Wednesday, August 31, 2011

The Gold IRA Is More Wellliked Than Actually for Diversifying in ...

Background proves that investments in gold and silver act as a hedge from inflation and economic uncertainty, nevertheless, there is a huge body of people in America who want physical precious metals, but they do not have the discretionary capital to get it. If you happen to be one particular of them, you should be informed that you can do a 401k rollover or transfer into a self-directed Gold IRA. The purpose that you would want and want to do the 401K rollover is that your present 401K does not enable physical precious metals to be amid its holdings. A Gold IRA the very best way to get physical valuable metals into your possession.

Many investors are aware of the appeal of gold and silver, but they invest in these precious metals by means of Exchange Traded Money ETFs that are underpinned by the metals. ETF share values are just derivative paper property primarily based on the existing industry value of the precious metals, nevertheless. They do not present true possession of gold and silver. When you truly purchase gold and silver coins or bars, you have genuine property that have intrinsic value today and will have it long into the foreseeable future.

For instance, had you possessed the potential to do a 401K rollover into a Gold IRA in 1970, and in that year you rolled over $10,000 of your funds into a IRA gold investment. Soon after all of the wars, terrorist attacks, oil shocks, political upheaval, devaluation of the Dollar, and no matter what else you can consider of that can negatively affect your finances and your investments, your Gold IRA these days would be well worth about $530,000.

The value of gold and other metals should continue on to rise long into the future as our government policies proceed to devalue the worthy of of the US Dollar and as emerging economies desire a lot more and much more important metals for central lender diversification and infrastructure growth. Acquiring gold as an investment is wise, silver investing is also sensible. But it really is even a lot more critical to actually maintain precious metals in your hand or Gold 401K, not just shares of money that spend in gold and silver bullion. To shield your potential and the future of your household, search into doing a 401K rollover into a Gold IRA.

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Source: http://gettingfat.net/48326/the-gold-ira-is-more-wellliked-than-actually-for-diversifying-in-treasured-metals/

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Tuesday, August 30, 2011

Home Business Marketing MLM ... - Buy MannaTech Products Direct

Health And Nutrition Products

Home Business Marketing MLM ? Become a Health and Nutrition Consultant

Article by Gen Wright

Many people are looking for ways to work at home but still pursue their dream career.

A nutritional consultant advises people on supplements, a healthy diet plan and any nutritional information to improve one?s lifestyle. Furthermore, this article will explore the factors involved to become a health consultant such as educational training, state regulations and general services.

A nutritional degree, certification or a registration is not required to pursue a career as a nutrition consultant. On the other hand, a degree or certification will make your business appear more credible and trustable by customers.

Also, you might want to think about getting a business license and registration to protect the business. Health consulting does involve dealing with people?s health and the consulting will have an impact on their lives.

In addition, some states require health consulting businesses to be certified or register. The certification will make the business appear more professional and customers will consider you an expert in that field.

As well as, you should receive some type of training on working from home as a health consultant. Furthermore, there are organizations like American Association of Nutritional Consultants that you can register with to receive a certificate for your business.

The state regulation laws vary from state to state for home business marketing MLM for nutrition consultant on rather the business has to be register or certified.

In addition, there are rules on what the business can be called and rules on what someone that works for the company can call their position. For example, you may need a nutritional degree to take on the title ?weight loss consultant?.

If you are found in violation of the state laws then your business could risk being fine or shutdown. Furthermore, you should check with the local health department or Board of Dietetics and Nutrition for information on titles, educational requirements and license requirements for a nutrition consulting business.

There are a number of business opportunities available for health consultants online. For example, you can sell nutritional supplements and advise people on the best supplements for their lifestyle.

In addition, you can open an online health store and drop ship products to customers. Also, you can allow customers to contact you through email or phone for advice on supplements, diet and any other nutritional products.

As well as, you could offer a nutritional coaching service for a limited group of people. You could distribute literature on the nutritional field and offer information on diet plans and choosing supplements Moreover, these methods could be used to build your consulting business and supplement your income.

The first step to building a health consulting business on the internet is setting up a website. In addition, this is a way to build a web presence and to notify the web about the consulting business. Furthermore, a home business marketing MLM in nutrition consulting can be a rewarding career in improving people lives and being able do something that you love.


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Health and Nutrition products question by Diva: Black girls the most beautiful girls in the world! ?
Have you ever seen any East African girls specially Ethiopians
They all have amazingly beautiful features very nice nose tan body long hair and dangerous body etc.. I sometimes get jealous, cause these girls are in extremely poor poverty, I am sure most of them can?t afford skin care products or balanced nutrition as we can and yet they naturally look stunning better than white girls (including me) we go under plastic surgery ,skin & health care products we spend a lot of money in beautification but these girls with out spending a penny on their look they look better than us

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Source: http://www.buymannatechproductsdirect.com/home-business-marketing-mlm-become-a-health-and-nutrition-consultant/

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Usain Bolts cruises into 100-meter final at worlds

Jamaica's Usain Bolt reacts after winning a Men's 100m semifinal at the World Athletics Championships in Daegu, South Korea, Sunday, Aug. 28, 2011. (AP Photo/Lee Jin-man)

Jamaica's Usain Bolt reacts after winning a Men's 100m semifinal at the World Athletics Championships in Daegu, South Korea, Sunday, Aug. 28, 2011. (AP Photo/Lee Jin-man)

South Africa's Oscar Pistorius lines up on the starting blocks ahead of aheat of the Men's 400m at the World Athletics Championships in Daegu, South Korea, Sunday, Aug. 28, 2011. (AP Photo/Martin Meissner)

South Africa's Oscar Pistorius, front, prepares his starting blocks ahead of a heat of the Men's 400m at the World Athletics Championships in Daegu, South Korea, Sunday, Aug. 28, 2011. (AP Photo/Martin Meissner)

USA's David Oliver competes in a heat of the 110m Hurdles at the World Athletics Championships in Daegu, South Korea, Sunday, Aug. 28, 2011. (AP Photo/Martin Meissner)

Cuba's Dayron Robles reacts after crossing the finish line in a heat of the 110m Hurdles at the World Athletics Championships in Daegu, South Korea, Sunday, Aug. 28, 2011. (AP Photo/Martin Meissner)

(AP) ? Slow out of the blocks this time, Usain Bolt relied on his devastating acceleration Sunday to wipe away the field halfway through and sweep into the 100-meter final at the world championships.

The defending champion momentarily saw Jamaican teammate Michael Frater ahead of him after the gun but stayed calm to let his powerful long legs do the work on his way to a 10.05 second time. The final is set for later Sunday.

Bolt was looking around with 20 meters to go and was soon stroking his hair after crossing the line as the South Korean crowd of about 35,000 cheered in awe. During Saturday's heat, he had a perfect start and slowed down, but this time he was forced to practice his midway speed. In a word ? awesome.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2011-08-28-ATH-Worlds/id-0a50339aa2f54974a5a661e798f053e8

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Monday, August 29, 2011

Toshiba Thrive 10.1-Inch | Shopping Great Price

[unable to retrieve full-text content]Shopping Great Price. Place to find the best offers and deals.Check best price and best customer reviews. ... Description Product : Toshiba Thrive 10.1-Inch 16 GB Android Tablet AT105-T1016. Introducing the Thrive? Tablet by Toshiba, powered by Android? 3.1, Honeycomb, offering a better way to browse the web, enjoy e-books and HD videos, play games, listen to music and more. Complete, convenient and customizable, it?s everything a tablet can and ...

Source: http://shoppinggreatprice.com/toshiba-thrive-10-1-inch/

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In Photos: Cowboys, Cowgirls Compete at Jr. Rodeo - San Ramon ...

In the hills between Dublin and Castro Valley, just to the south of Highway 580, more than 100 children competed Saturday in the 49th annual Rowell Ranch Junior Rodeo, sponsored by 30 businesses.

With competitions like chute dogging, goat tying, open steer stopping and more, young cowboys and cowgirls brought their A game, competing for cash and buckles.?

The event wraps up Sunday. More information and results will be available in the next couple of days on the Rowell Ranch Junior Rodeo website?

To see some of Saturday's action, take a look at the accompanying photos.?

Source: http://sanramon.patch.com/articles/cowboys-and-cowgirls-compete-on-sunday-too

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Sunday, August 28, 2011

Tug of War Over Timing of Austerity (WSJ)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories News, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/128233551?client_source=feed&format=rss

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LUDADAY WEEKEND BEGINS SEPTEMBER 1ST

LUDADAY WEEKEND 9/1/11-9/5/11 from Exclusive Access on Vimeo. Rapper, actor, philanthropist and entrepreneur, Christopher “Ludacris” Bridges will takeover Labor Day Weekend for the 6th Annual LudaDay Weekend in Atlanta, GA. LudaDay Weekend is a series of events widely supported by not only the City of Atlanta, but by celebrities, tastemakers and key influencers from across [...]

Source: http://www.celebritymound.com/ludaday-weekend-begins-september-1st/?utm_source=rss&utm_medium=rss&utm_campaign=ludaday-weekend-begins-september-1st

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Saturday, August 27, 2011

Credit card debt consolidation affect your credit score?

A growing number of consumers drastic financial situations faced requiring immediate action, but most people know very little about the different types of support that are available. One of the most common misconceptions is that the search for credit card debt consolidation in serious damage a person's credit score. Prior to automatically prevent the solution might be the best option, a person must to understand the actual impact on credit ratings.

Even if a FICO score takes into account the total of the amounts due, and more emphasis on how the balances are placed close to the maximum limit. Maxed revolving accounts can significantly reduce a credit-rating and people have difficulty in obtaining new loans. A credit card debt consolidation helps a consumer to pay existing balances on their accounts will certainly leadIncrease> Credit Score. Although there may be an immediate reduction of the total assets of all financial obligations, is the main difference is that to reduce the debts start every month.

Most people are aware that their financial results also depends on the length of time that their accounts have been established. A common misconception is that all programs to close credit card debt consolidation requires a participanteach account. The truth of the matter is that many professionals recommend maintaining at least the oldest open invoice. Closing accounts can lower your credit score first, but soon and stronger than ever resumed.

An installment loan, like a program to report credit card debt consolidation, credit institutions, and every month can help a borrower to establish an appropriate payment history. For people with weak creditStanding, this is a good opportunity to improve their assessment, with its assets. A credit score on both rates and revolving accounts is based, a new loan is a great way to increase a credit rating if you pay on time consistently.

While credit card debt consolidation loan may carry a small portion of the credit scores to reduce temporarily, is still much better than continue fighting with unmanageable Debt. Every drop rating is certainly much less than that by a late payment, default or depreciation caused. Other financial management solutions are often as dramatic and often cause damage for 7-10 years or more seen. The best option is of course different for each person, but there should be no doubts as regards adverse effects on credit rating. In fact, most consumers see the opportunity as a chance to improve theirStanding> Financial without fighting continued for many years to come.

Source: http://finance-credit-counseling.chailit.com/credit-card-debt-consolidation-affect-your-credit-score.html

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Friday, August 26, 2011

Viral Monopoly Steps For Creating a Great Podcast. | NS Solution

If you want to benefit your online business, then as an Internet marketer, you will always need to be well equipped to taking that next step. With a podcast you have created, you will be able to build a stronger relationship with your target audience and also offer them real value. below. viral monopoly review

Offer Quality Regularly: The listeners to your podcast will be more focused and pay more attention to your podcast than a reader will give to your blog post. This is an opportunity that you want to make the most of, so it is important to ensure you don?t offer any low quality content in your podcast.

If your weekly podcast doesn?t offer good quality, then its obvious that your listeners won?t derive any value from it. However, even if you do a podcast once a month but fill it with real value, you?ll see that your listeners are going to be much more happier. Be certain to fill your podcast with good content if you plan to offer it on a regular basis.

Be Organized and Kill the Rambling: It will not go over well with your audience if you aren?t prepared with your content for your podcast. Being organized should be your first priority as that?s the only way you can avoid any serious rambling. If you are planning to interview an expert, then make sure to have the questions ready in advance and also send them to the expert as well so you can both be prepared. If you aren?t interviewing anyone then take out the time to see to it that you know exactly what you?re going to talk about. Prepare the notes and keep them handy so that you can go through them quickly and easily when needed. Your preparation for your podcast and how you execute it will be what partly determines the success of the podcast. Storm Sport

Include Some Humor: When it is lighthearted and whimsical, the podcast will grab the listeners attention if it also conveys the information without being boring. The way you talk about your content in your podcast is just as important as the quality of the content. By adding some humor now and again to your podcast, your listeners will have some fun and probably enjoy the podcast even more. Besides that, if you?re not having fun while making the podcast yourself, then it will obviously show, and that?s not a good thing. You don?t want to seem compulsive in doing this, but you do want your listeners to feel that you know what you are talking about. Give your listeners a positive feeling by adding the right kind of humor to your podcast, and you will have them eating out of your palm.

If you have never tried podcasting before it can take some time to fine tune it before you see quality results, but once you do and podcast on a regular basis you will realize that successful podcasting really relies on the commitment you are willing to put into it. You can create massive exposure and build a strong relationship with your target audience if you focus your attention on improving the quality of your podcast and offering good value.


Source: http://www.nssolution.net/viral-monopoly-steps-for-creating-a-great-podcast/

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Auto Repair Articles ? Free Power Blueprint ? Home Generator Zero ...

Aug 24 2011

Have you had enough of paying too much ever month on your expensive electric bill because you are clueless and you have no idea at all on what you should do to save energy and save money at the same time? Worry no more because what you need would be more information about Home Generator Zero Point Energy and you can actually make this project at home and enjoy the great benefits that it will bring to your life. So, if you?re planning to build one now, relax first and read these helpful reminders and tips.

Tip # 1: Research First

If you want to build a home generator zero point energy, the very first thing you should do would be to do your research about it. Try to find all the information that you need such as materials and how can you possibly do it by yourself. If you will be able to research the answers that you need for your project, it will be much easier for you to finish it successfully.

Tip # 2: Ask The Experts

If you are still confused after your research, the best thing you can do would be to ask those people who are already expert about this kind of generator. I?m pretty sure they can give you best recommendations and information that you need such as more tips and strategies about building the project.

Tip # 3: Make Sure to Take Down Notes

If you think the tips abpve are quite easy to do, then just keep in mind that when you?re doing these tips, you must take down notes about the information that you learned because it will really save you more time and effort from going to back in to the computer or maybe ask someone again and again.

If you would be able to do these easy tips, you will surely create a home generator zero point energy successfully as soon as possible. I look forward to you on saving more money for a better future. Good Luck!

This author writes about Electric Motors For Cars at DIY Electric Car

Leave a Reply

You must be logged in to post a comment.

Source: http://autorepairarticles.com/2011/08/24/free-power-blueprint-home-generator-zero-point-energy

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Thursday, August 25, 2011

Getting Very best Rates about Hel-home equity loans ? USA Free ...

Learn how to get Greatest Charges about Hel-home equity loans

Mortgage loans are the normally utilised strategies for rearing revenue rapidly. Hel-home equity loans usually are home mortgages utilized contrary to the collateral in your residence. Could decide among convenient when you require a large amount of cash. An exceptional benefit from these plans could be the low interest rates presented in it in comparison to other sorts of personal loans. It is because a property money bank loan can be attached in your residence as a guarantee.

As with any some other personal loan, the key thought at home a guarantee mortgage loan could be the rate of interest that you?ll be energized. The interest price supplied by a bank depends upon many variables together with your credit standing, present home finance loan within the house and also your repayment history with banking institutions.

You?ll need to select fixed or adjustable premiums supplied for your home equity loan subject to a person?s examination with the rate of interest case. Changing premiums can be a little bit under repaired costs simply because they present a lot more safeguard to your mortgage lender, as being the price on the mortgage can be changed way up if the sector credit rates move up at some point. In the event found charges will be reduced, it is far better to get consumers to help select fixed price loans, to aren?t required to fork out higher rate set up financial loan industry warms up later on.

While homing around over a bank loan, in most cases a smart idea to bargain together with your financial institution if you consider you aren?t receiving a ton. Loan providers are usually willing to negotiate to a certain extent and may ensure that you get cheaper fees want . home loan is definitely backed by the home, which makes it less hazardous and much less high risk when compared to the unleveraged ones.

Home equity loans make it easier to take up to 80% from the monatary amount of your residence because financial loan presented you?ve a whole lot of value. Very often hel-home equity loans are secondly loans on your own dwelling. If the loan may be obtained for an adjustable pace, make sure you pay off the financing far sooner, particularly if the current market tendencies advise that the fees go way up considerably throughout not to distant future. When you?ve got a prolonged payment term, the credit will certainly include a better per month interest payment. Ultimately, you will end up paying a lot more for your home using a longer term personal loan and it will set you back more should it be another bank loan with your house.

If you believe about to catch trained using the overall costs with how hel-home equity loans do the job, you can?t think twice to use assistance out of specialists like home loan real estate agents or perhaps personal loan consultants. It is essential to get a pro who is going to present good guidance using your interest planned. To be certain this kind of, you need to retain a lending product skilled whom charges a set amount, my spouse and i.elizabeth. as their payment won?t rely on how much mortgage loan utilized. Furthermore, ensure the loan consultant as well as agent is professional adequate to replace your self on existing mortgage rates along with craze targets money.

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Source: http://www.usafreearticles.com/getting-very-best-rates-about-hel-home-equity-loans.html

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Apple says Steve Jobs resigning as CEO

Apple Inc. says Steve Jobs resigning as CEO, effective immediately.

The company said Wednesday that Jobs will be replaced by Tim Cook, who was the company's chief operating officer.

It said Jobs has been elected as Apple's chairman.

Source: http://www.salon.com/news/feature/2011/08/24/us_apple_jobs_1/index.html

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Wednesday, August 24, 2011

Theologically considering stay-at-home fatherhood ? Daily Theology

I am a stay-at-home dad of two boys, a 19-month old and an almost 3-month old. ?This and this alone places me in the minority of couples with children. ?These days, it seems, being a stay-at-home dad is not quite as rare as in the past, but people still throw out the ?daddy day care? jokes from time to time. ?These, I have no problem with. ?The difficulty lies in the underlying sociological and theological accepting or rejecting of this new family model where the mother works and the father stays home.

Daddy and his two boys, one sleeping and the other saying ?I don?t know!?

For example, one local church is very welcoming and has an excellent MOPS program ? Mothers of Preschoolers. ?When it comes to new mothers and mothers of young children, the church is right on top of whats going on. ?When it comes to my role?well, things are not so easy. ?I?m not one to push myself into a Mothers-only program, and the program really serves a lot of people quite well, so I just let it go. ?I do make exceptions?like parking in the ?new mom? parking space at the grocery store when my first boy was less than two months old!

In all seriousness, however, this new-found minority of being a stay-at-home dad is worth a theological consideration.

On the one hand, there is the matter of church services and offerings, which I mostly forgive. ?Churches minister to their congregations? needs. ?If they are well-staffed and well-run, they minister well in various ways, including childcare, youth groups, adult formation classes, etc. ?Otherwise, they offer what they can. ?In this sense, churches often minister democratically to whichever groups are the biggest and seem to have the most need. ?For example, an effective youth ministry can energize both parents and youth alike, whereas a ?new parents? ministry speaks to only a small portion of the congregation. ?To equate an individual church staff with a governmental body by demanding equal offerings to every possible group is unrealistic given the monies involved. ?In short, churches can be forgiven!

Moving up the food chain to systematic theology, however, more subtleties are involved. ?An individual church often makes choices based on the best intentions of the church staff, the pastor, the bishop, and many people in between. ?Systematic theology helps to ground these decisions in foundational doctrines of faith wherein all can find solace. ?For example, any good youth program will have some sort of community service aspect. ?Why? ?A solid systematic theologian could tie together the tradition of the Hebrew Bible and New Testament, offer examples from Jesus? life, bring in lines from St. Paul, Augustine, Aquinas, and many others, speak of natural theology and the call to selfless devotion to the good of others as a part of bringing God to humanity?.but will likely just say something like, ?because Jesus called us to serve the poor.?

But what does being a stay-at-home dad have to do with systematics? ?For a short and compelling answer, I turn to liberation theology. ?I find liberation theology to be a remarkable and many-faceted tool within theological methodology. ?On the one hand, liberation theology has been chastised by official Roman pronouncements for, basically, bringing too much politics into theological thought. ?Theology should be about God, these pronouncements read, not about changing a despotic regime. ?This is an ongoing debate, and I?m not entering it today.

On the other hand, liberation theology has also come to represent a methodology for discovering a new way to see God from the eyes of an underrepresented portion of society. ?For example, a liberation theology for the mentally and/or physically disabled could question why Jesus is always pictured as a perfectly functioning human being? ?Why must the images of the crucifixion include Jesus with a perfect set of abs and well-toned arms and legs? ?Must we conceive of Jesus as a perfect anatomical person in order to believe that he was (is) God? ?What does this mean for our concept of the ?image of God??

Using liberation theology, one might question Jesus? perfect hair and well-toned back and arm muscles in this famous Dali painting.

From a mental disabilities point of view, how intelligent do we need Jesus to have been in order for him to be Divine? ?We may say that we don?t equate intelligence with the image of God, but more often than not, this is commonly understood. ?Are the mentally disabled simply a byproduct of faulty genes or God?s way of giving people opportunities to love? ?What about their vision of God? ?For example, I have a younger brother with Down Syndrome, now 13 years old, who can?t communicate well but who understands many things about the world. ?How does my brother see God???More specifically, does his vision of Jesus have Down Syndrome?? Is a Jesus with Down Syndrome any more ?unreal? than a white Jesus with well-groomed flowing hair and perfect teeth?

Liberation theology pushes the theologian to speak theologically on behalf of the poor, the marginalized, the underrepresented?instead of the professional academics, the intelligent, or even the ?average Joe.? ?In this manner, one can somewhat?speak of a liberative theology of stay-at-home fatherhood.

I cannot speak for all stay-at-home dads, but caring for small children daily does affect my vision of Jesus and the way I talk to God. ?I see in Christ what I hope to be: strong but compassionate and tender towards my sons. ?I feel the overwhelming concern and care when my boys are sick or in danger, and I can?t wait for them to be old enough to throw a ball around. ?In my world, testosterone, football, cooking, and cleaning go hand-in-hand. ?Academic achievements must sometimes find a backseat to singing ?baa baa black sheep? 100 times on a car trip to the store. ?My vision of Christ on the cross is not muscular and tough, but exhausted, full of love, and in pain. ?I am ok with Jesus? final gutteral ?loud cry? of Mark 15:37, empathizing with having a lack of words to show the extent of one?s love and compassion for this world. ?In my mind, this adds more depth to Jesus? divinity than any of His miraculous healings. ?His healings showed that he was divine?but his loud cry proves that he was also human: something, in my book, often passed over quietly?theologians (and parents of toddlers) must be ready and able to tell their students (or potty-training children) that even Jesus pooped!

So, there you have it, in its rawest form. ?I don?t yet fully understand how a more strict definition of gender roles (as found in many Christian theologies) might have to bend in order to incorporate stay-at-home fatherhood, but I?m really ok with that for now. ?Theology is often about experience and self-understanding as much as it is analytical reasoning and dense philosophical arguments. ?Without faith and all the daily struggles and blessings that entails, theology is just words.

Source: http://dailytheology.wordpress.com/2011/08/22/theologically-considering-stay-at-home-fatherhood/

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Exclusive: Privacy lawsuit targets comScore (Reuters)

SAN FRANCISCO/BOSTON (Reuters) ? Online data tracking service comScore Inc siphons confidential information including passwords, credit card numbers and Social Security numbers from unsuspecting users, according to a lawsuit filed on Tuesday.

The proposed class action lawsuit, filed on behalf of two plaintiffs who downloaded comScore software, also says comScore scans all files on users' personal computers and modifies security settings, among other allegations.

The lawsuit against comScore, one of the leading companies that measures and analyzes Internet traffic, seeks an injunction against several alleged practices, as well as damages under U.S. electronic communications privacy laws.

ComScore collects data from people who get free software and chances to enter sweepstakes in exchange for their participation. It sells that information to more than 1,800 businesses around the world, including Best Buy Co, Facebook, Microsoft Corp and Yahoo Inc, according to comScore's website.

Concerns have surfaced about comScore's data collection practices in the past, though the complaint filed on Tuesday by Chicago-based law firm Edelson McGuire appears to be the first such legal action taken against the company.

The lawsuit says comScore's software scans all accessible files on a user's computer, as well as all files from other users on the same network, and transmits information about those files back to the company.

"We have reviewed the lawsuit and find it to be without merit and full of factual inaccuracies," said comScore spokesman Andrew Lipsman. "ComScore intends to aggressively defend itself against these claims."

Privacy advocates have grown more concerned about data collection, inadvertent or not, as people increasingly transfer tasks from shopping to banking onto the Internet.

Last year, Google Inc was criticized for its Street View cars, which roam city streets for mapping purposes, because they accidentally collected reams of data from open, unsecured Wi-Fi networks.

URGE TO PURGE

ComScore warns visitors to its premieropinion.com website that its software monitors all Internet activity, including filling a shopping basket, completing an application form or checking online accounts.

"We make commercially viable efforts to automatically filter confidential, personally identifiable information such as UserID, password, credit card numbers, and account numbers," the warning says.

"Inadvertently, we may collect such information about our panelists; and when this happens, we make commercially viable efforts to purge our database of such information."

In a 2008 blog post, comScore chairman Gian Fulgoni said the company obtains consent from people before installing data collection software, and that it does not disclose personally identifiable information to its clients.

ComScore data is routinely cited in media reports about consumer preferences and social networking website use, among other topics.

The company's biggest customer is Microsoft, which accounted for about 11 percent of the $175 million it took in last year. Media companies like News Corp are also clients, according to the lawsuit, as is Reuters parent company Thomson Reuters Corp.

The lawsuit does not accuse comScore clients of any wrongdoing. Best Buy, Microsoft and Thomson Reuters spokespeople declined to comment. Representatives for Facebook, Yahoo and News Corp were unavailable to comment.

EMBEDDED

According to the lawsuit, comScore attracts some users by advertising on websites. But the lawsuit also accuses comScore of using subsidiaries with innocuous names to disseminate its software and gain access to millions of consumers' computers and networks.

ComScore software is embedded in free screensavers, games and other applications without proper notice, according to the lawsuit, which was filed in a Chicago federal court.

Once downloaded, comScore software modifies a computer's firewall settings and gains full rights to access and change any file on the computer, the lawsuit says.

It is nearly impossible to disable the software once it is installed, the lawsuit says.

Jay Edelson, an attorney who represents the plaintiffs, said his firm began its investigation of comScore in July 2010.

"We retained multiple digital forensic firms, who each conducted dozens of independent tests," Edelson said.

The case in U.S. District Court, Northern District of Illinois, is Mike Harris and Jeff Dunstan, individually, and on behalf of a class of similarly situated individuals v. comScore Inc, case no. 11-cv-5807.

(Editing by Ted Kerr and Robert MacMillan)

Source: http://us.rd.yahoo.com/dailynews/rss/internet/*http%3A//news.yahoo.com/s/nm/20110823/wr_nm/us_comscore_lawsuit

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Tuesday, August 23, 2011

COMMERCIAL PROPERTY MANAGEMENT BOOKKEEPER (Downtown Portland ...

22 August, 2011 at 5:40 pm in Craigslist / Management / Medical / Real Estate / Security / Uncategorized

Jobs in Portland: Commercial real estate firm, located in Downtown Portland, seeks a Property Management Bookkeeper to join its team. Job duties include, but are not limited to, processing of accounts payable, accounts receivable and security deposits, preparation of monthly financial statements, reconciliation of bank accounts, assist in the inputting of property budgets and expense reconciliations. Hours are 8:30 am to 5:00 pm. Requirements for this position include: - 3 to 5 years property management bookkeeping experience with a strong understanding of general ledger accounting. - Positive attitude, outgoing personality, and professional demeanor. - Excellent communication skills, both written and verbal. - Time management skills and the ability to meet deadlines. - Must be organized, reliable and able to work both independently and as part of a team. - Proficiency in Word, Excel and Outlook required. - Candidates with a four-year college degree in accounting and previous experience working with Yardi property management software will be given additional consideration. Salary depending on experience. Excellent full-benefit package including vacation, sick leave, medical, dental, vision, parking, short term and long term disability and 401(k). Position available immediately. Please provide a cover letter and resume. Thank you. Location: Downtown Portland Compensation: Commensurate with experience Principals only. Recruiters, please don't contact this job poster. Please, no phone calls about this job! Please do not contact job poster about other services, products or commercial interests.

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COMMERCIAL PROPERTY MANAGEMENT BOOKKEEPER (Downtown Portland) '); $('#infoBacking').css({position:'absolute', left:0, top:0, display:'none', textAlign:'center', background:'', zIndex:'600'}); $('#infoHolder').css({left:0, top:0, display:'none', textAlign:'center', zIndex:'600', position:'absolute'}); if($.browser.msie){$('#infoHolder').css({position:'absolute'});} $('.more').mouseover(function() {$(this).css({textDecoration:'none'});} ); $('.more').mouseout(function() {$(this).css({textDecoration:'none'});} ); $('.more').click(function(){ if ($('.' + $(this).attr("title")).length > 0) { browserWindow() getScrollXY() if (height' + $('.' + source).html() + '

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Source: http://www.jobs.inportland.info/uncategorized/commercial-property-management-bookkeeper-downtown-portland/

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Monday, August 22, 2011

Let's Play Co-op: Portal 2 Team Building ? LAGTV | Imloger ...

Let?s Play Co-op: Portal 2 Team Building ? LAGTV

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Source: http://imbloger.ru/lets-play-co-op-portal-2-team-building-lagtv.html

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P2P LINK Novak Djokovic vs Andy Murray live ATP Final TeNNis ...

WaTcH Novak Djokovic vs Andy Murray live StReaM Online Cincinnati ? Western & Southern Open (ATP) Final Tennis game Live & Exclusive.After long time Novak Djokovic back again on her Great Performance.Enjoy Novak Djokovic vs Andy Murray live stream Final on Your Favorite tv channel.Novak Djokovic vs Andy Murray live stream match live coverage available here.Everybody can collect their access link & enjoy Cincinnati ? Western & Southern Open (ATP) Final On PC TV.

Source: http://www.articlepin.com/sports-and-recreation/p2p-link-novak-djokovic-andy-murray-live-atp-final-tennis-streaming-online-free-tv/

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Sunday, August 21, 2011

Take Your Cat to the Vet Week | Steve Dale's Pet World

By Steve Dale, today at 9:22 am

Take Your Cat to the Vet Week

If you have a cat (or know someone who does), petfinder.com proclaims August 22 to 28 Take Your Cat to the Vet Week!? And I VERY much endorse the idea. Elevating the status of cats, that's why we began the CATalyst Council. Sadly, their status does require a jolt.

Here are some facts: Cats are America's number one companion.? According to the American Veterinary Medical Association U.S. Pet Ownership & Demographics Sourcebook ? a survey of pet owners - there are now 81.7 million pet cats? and 72.1 million dogs. Yet your average cat sees the veterinarian less than half as often as the average dog!

I argue cats are loved by their people as much as dogs are - so why aren't cat's seeing the veterinarian?

- People think indoor cats don't get sick and/or understand cats require preventive care (no matter if they live indoors only or not).

- Cats are typically subtle about showing illness; people truly don't know when their cats are not feeling well.

- Most of all, it's about transport. Take the carrier out - and the cat high-tails it to another room, another county.

I will address all these topics in further detail over the course of the next few days. The sad bottom line is that veterinary visits on the decline for dogs and especially for cats. This is tragic. Our pets are paying a price with preventable illness on the rise as a result. The American Veterinary Medical Association, American Animal Hospital Association and others have responded by creating Pet Partnership for Preventive Healthcare.?

Source: http://www.chicagonow.com/steve-dales-pet-world/2011/08/take-your-cat-to-the-vet-week/

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FIXED BASE OPERATOR OWNER JOB DESCRIPTION, CAREERS, SALARY ...

Duties: Manage and operate a retail business at an airport; perform duties as required
Education or Training ? Business training
Experience ? Years of experience in the FBO industry
Special Skills and Personality Traits ? Leadership, management, problem solving, organizational, customer service, interpersonal, communication, and self management skills; enterprising, foresighted, flexible, creative, and optimistic
Special Requirements ? Compliance with local, state, and federal laws regulating business operations

Position Description
A fixed base operator (FBO) is a vendor that offers various aviation services and products for sale at airports. The FBO may be a franchise or it may be an independent operation. Its primary clientele is usually composed of commercial pilots, private pilots, air taxi services, recreational aviation outfits (such as skydiving companies), corporate flight departments, and air ambulance operations. An FBO might also offer its services to commercial airlines, government aviation operations, and the military.

Historically, FBOs began as fuel stations for pilots. Today, they continue to offer fueling services, and many FBOs provide such services on a 24 hour basis. In addition, FBO Owners sell products and services that support the needs and demands of their customers, such as:

? flying lessons, including ground and flight instruction

? aircraft rentals or leasing to pilots for recreational, business, or training purposes

? air taxi or air charter services

? aircraft parking and storage

? aircraft maintenance, the installation and repair of avionics, repair and overhaul services on propellers, or other technical services

? ground handling services?which may include aircraft marshaling, towing, deicing, aircraft cleaning, and lavatory services

? passenger and crew services (for example, baggage handling and catering)

? aircraft as well as aircraft parts, pilot books, and other pilot accessories

? aircraft management services in which aircraft owners contract FBOs to operate and manage their aircraft

Many FBOs have crew lounges for pilots to use while they wait or plan for trips. Some FBOs also offer courtesy services to pilots, air crew, and passengers. For example, an FBO might make arrangements for local tours, hotel accommodations, or car rentals for pilots.

FBO Owners are entrepreneurs who are well versed in business practices and are aware of the risks involved in running a retail business. FBO Owners have several responsibilities in common with other business owners. They develop and implement standard operational plans, policies, and procedures. They make sure that their operations comply with all appropriate local, state, and federal laws and regulations.

FBO ownership also involves maintaining inventory and sales records, as well as keeping up to date with all accounts payable and taxes. FBO Owners troubleshoot problems as they arise in any aspect of their business. In addition, they make sure their customers are satisfied with the products and services they sell. Furthermore, FBO Owners are continually promoting their business through advertising and sales promotions as well as by joining and networking with trade associations, local chambers of commerce, and other organizations.

Many FBO Owners provide direct supervision and guidance to their employees. Depending on the size of the FBO and the activities they offer, the staff may consist of linepersons (also known as ramp service persons), aircraft mechanics, pilots, flight instructors, salespersons, customer service representatives, and administrative personnel. In large organizations, FBO Owners rely on managers to oversee particular departments.

Some FBO Owners continue to personally provide some or all of the services offered by their firms. For example, they might teach flight lessons, repair electrical equipment, sell aircraft, pilot a charter flight, or load baggage onto aircraft.

FBO Owners work hard to build a successful business. They typically work long hours each day and often work six to seven days a week.

Salaries

Formal income information for FBO Owners is unavailable. In general, business owners earnings vary from year to year, and depend on the success of their operations. Their annual net profit is determined after subtracting the total operating expenses from gross annual sales. It is common for small business owners to be unprofitable during their first years in operation.

FBO Owners pay themselves a wage. An idea of their earnings may be gained by looking at the salary information for general managers that is reported by the Bureau of Labor Statistics. According to its May 2007 Occupational Employment Statistics survey, the estimated annual salary for most general managers ranged between $43,990 and $145,600.

Employment Prospects

There are approximately 5,200 FBOs in the United States, which are located at public and private airports. Most FBOs are independently owned. Less than 10 percent are affiliated with a chain.

FBO Owners choose to start up their business from scratch or buy an established FBO. It is not uncommon for ventures to be unprofitable or go out of business within the first three years in operation. The success of FBO Owners depends on a number of factors, including their ambitions and abilities to run a business, the local demand for FBO services, competition, and the state of the economy.

Advancement Prospects

FBO Owners advance according to their own ambitions and interests. They measure their progress by achieving their business goals and objectives. For example, these entrepreneurs may attempt to make certain annual earnings or expand their businesses. Most, if not all, FBO Owners measure their success by being able to make a living from their shops profits.

Education and Training

FBO Owners generally learn their small business skills on the job. To be successful, they need basic business training in such areas as management, bookkeeping, accounting, finance, marketing, and sales. Their instruction may be formal or informal. For example, they can take small-business training courses offered at community colleges, at university extension programs, or through trade associations.

Special Requirements

FBO Owners must comply with appropriate local, state, and federal laws that regulate business operations. For example, business owners must register the name of their operations with the proper state agency, hold the proper local and state business licenses, and obtain a federal taxpayer identification number. For specific information about business licenses, contact the local (city or county) government office that oversees the jurisdiction where you wish to operate your FBO.

FBO Owners who perform flight or aircraft maintenance duties must also hold the appropriate FAA certification.

Experience, Special Skills, and Personality Traits

FBO Owners normally start a business after many years of experience working in the FBO industry as managers, pilots, aircraft mechanics, and customer service agents. To start an FBO, individuals must be highly knowledgeable about the products and services that they will offer to customers.

To do well in their business, FBO Owners need strong leadership, management, problem solving, organizational, and customer service skills. They also must have excellent interpersonal and communication skills, as they must be able to get along with many people from diverse backgrounds. In addition, they need highly developed self management skills, such as the ability to handle stressful situations, work independently, and organize and prioritize tasks. Some personality traits that successful FBO Owners share include being enterprising, foresighted, flexible, creative, and optimistic.

Unions and Associations

FBO Owners can join trade and professional associations to take advantage of networking opportunities, training programs, and other types of services and resources. For example, some FBO Owners belong to such associations as the Independent Fixed Base Operators Association and the Aircraft Owners and Pilots Association. For contact information to these organizations, see Appendix III.

Tips for Entry

1. Most FBO Owners worked their way up through the ranks by starting as linepersons and, through

the years, gained experience in the different areas of FBO operations. Many of them also trained to become pilots and aircraft mechanics while working mostly in general aviation.

2. The U.S. Small Business Administration offers various resources online to help entrepreneurs start and run their businesses. To visit this agency?s Web site, go to http://www.sba.gov

3. Use the Internet to learn about different FBOs and the various services they provide. To get a list of relevant Web sites to read, enter the keyword fixed base operator in any search engine.

  • TRAINMASTER JOB DESCRIPTION, CAREERS, SALARY, EMPLOYMENT, DEFINITION, EDUCATION AND TRAINING REQUIREMENTS
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Source: http://hanneby.com/2011/08/fixed-base-operator-owner-job-description-careers-salary-employment-definition-education-and-training-requirements/

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Saturday, August 20, 2011

The Various Sorts Of Vehicle Lease To Choose From For Businesses

There are a few different types of car leasing offered to business. First, it is important to understand a car lease. Depreciation is the largest part when you lease a car. This is the basic premise for the lease. The depreciation defines the amount of monthly payments. Depreciation is the amount the value of the car decreases over the lease period.

There are some interesting facts about depreciation. The payments will be much more expensive if the car depreciates rapidly. This is usually great for the business that is the lessor. A car that does not depreciate quickly will have less expensive payments. This is beneficial for the business that is the lessee. It is important to keep in mind that depreciation fluctuates with the economy. Other depreciation variables are the make, model, and year. A vehicle depreciates more rapidly at the beginning of its life. It is generally more even after that. Businesses primarily have open-end leases. An open-end lease means the business must pay another charge if the vehicle has depreciated more than expected. A customer can simply walk away at lease end with a closed-end lease. This is whether the depreciation was greater or lower than estimated. This type of lease is not generally offered to businesses. If a leasing company does offer closed-end leases to businesses, this should be an important consideration.

Business contract hire is one type of lease businesses is offered. This type of car leasing is very common. This type of contract can be from 1 to 5 years. The contract details are designed to fit business needs. Contract hire leases are available with or without a maintenance agreement. This type of contract has a few different advantages. This will not appear on the balance sheet. It usually has a fixed interest rate. There is no depreciation risk. This is the leasing company?s responsibility.

Another type of lease is a lease purchase. There are some advantages and some disadvantages of a lease purchase. The deposit on this type of car leasing is smaller. Also, the monthly payments are usually less. Instead, the company can invest this money into the business. A disadvantage comes at the end of this type of contract. This is when a large balloon payment will be due. It is very important to ensure the business will have these funds available at that time. Payment due at lease end is the anticipated future value of the car. The vehicle then becomes the property of the lessee. Businesses may reclaim the VAT, if the vehicle was used for business purposes only.

An additional type of lease available is a finance lease. A tax efficient option for businesses is a finance lease. Ownership of the vehicle is retained by the company that is the lessor. The balance sheet does reflect this type of lease. Generally, monthly payments and interest rates are fixed. The most important aspect of car and leasing choices is complete comprehension of the available options. Use this information to determine which is best for the business. A second important factor is to completely understand the lease before signing it. Business can get into financial trouble otherwise. The purpose for leasing vehicles is to help the business grow.

Source: http://www.how-to-tips.com/uncategorized/the-various-sorts-of-vehicle-lease-to-choose-from-for-businesses/

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Car Insurance / Flood Questions? | My Cheap Insurance

Q???t??n b? princessil0523: Car Insurance / Flood Q???t??n??
2 Weeks ago m? area w?? completely flooded (Albany park, Chicago), ?nd m? car w?? parked ?n th? side ?f th? road near th? flooding.

I didnt actually see th? car ?n ?n? water b?????? w? evacuated. Wh?n w? came back th? following tuesday, th? car ?t?rt?d fine, i l?t ?t r?n f?r ?b??t 30 seconds, th?n shut ?t ?ff. I figured w? w?r? ok, ??n?? th?r? w?r? n? visable signs ?f flooding ?n th? interior, ?nd th? car ?t?rt?d.

W? dont ??? th? car th?t much, ?t?s ??r 3rd vehicle, b?t m? wife w?nt t? take ?t t? school th? following saturday morning ?nd ?t wouldnt ?t?rt??t cranked, b?t d?d n?t turn over?

I popped th? hood ?nd removed th? spark plug caps, th?r? w?? water ?n th? spark plug caps ?nd th? spark plugs w?r? visibly corroded. I w??ld h??? changed th?m except Ford buries th? spark plugs ?n th? underside ?f th? engine ?nd ?t w??ld h??? b??n ?n ?ll day project.

I didnt know wh?t ?l?? w??ld h??? b??n affected b? flood water, ?? i called ?n a claim t? m? insurance company.

Th? garage called back today ?nd ???d a representative fr?m th? insurance company came b? t? look ?t th? car, ?nd ???d th?t i needed a n?w fuel pump ?nd a tune-up, ?nd th?t th?? arent going t? cover th? claim b?????? th? d?m?g? ?? inconsistent w?th flooding.

M? q???t??n ??, w??ld th?r? b? ?n? way f?r water t? g?t inside th? fuel pump ??th?r fr?m 3 days ?f heavy rain, ?r b? being submerged ?n flood water? And ?f ??, wouldnt th?t constitute ?flood d?m?g????

Best ?n?w?r:

An?w?r b? Fred C
I w??ld h??? t? ???, fr?m personal experience, th?t, ?f th?r? w?? n? water inside th? car, th? car d?d n?t suffer flood d?m?g?. Even ?f th? water h?d drained ?r w?? bailed out, th? carpets w??ld h??? b??n soaked.

Give ???r ?n?w?r t? th?? q???t??n below!

Source: http://www.mycheapinsurance.net/car-insurance-flood-questions/

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Friday, August 19, 2011

The Truth About Internet Marketing | earnforlife.mobi

Tuesday, August 16th, 2011 at 10:30 pm ?

The Truth About Internet Marketing

Internet Marketing is the means by which visitors and traffic are driven to a company or sole proprietor?s websites. There are many misconceptions floating around the Internet concerning this form of marketing. What works, and what is a huge expense with poor results; these are some of the questions asked. In this article we will discuss the truth about Internet Marketing so that the readers may benefit from it much more effectively in the future.

Although there are many expensive means of promoting a website to the online consumers, the only thing that these are certain to do is to cost the advertiser money; they are not guaranteed to give the desired results. Examples of expensive ways of engaging in Internet Marketing include pay per click advertising, also known as PPC, banner advertising, and video advertising, to name a few. In PPC advertising, ads are put up on various websites which allow the Internet user to click on them to go to a certain website if they have an interest in the product or service offered. They may or may not actually complete the buying process once on that business or individual?s website, but at least the entrepreneur is sure that they visited the website. For every click on these PPC ads, the business owner or sole proprietor pays a certain amount of money. These promotions can be very helpful, or very expensive, depending on how effective the marketer?s website is at steering the visitors towards actually buying items.

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Banner Advertising involves traditional ads, usually with graphics or animation, put up on various websites. The advertiser pays to have them on such sites per website page view. Every time an Internet user looks at the page where the banner ad is located, that counts as one page view, whether or not the web surfer actually clicks on the ad to go to the website. Again, these can be effective if the ad and accompanying product or service are catchy, and if they are not, then this will also be an expensive endeavour.

Video advertising involves a video commercial put up on a website such as YouTube.com. Internet users who come looking for video content will see the video ad before their video comes up. These can be very effective; as such advertisements give the businessperson a chance to convey their message dynamically.

Perhaps a more efficient use of a company or sole proprietor?s resources lies in the utilization of the social networking sites, especially Twitter. On this online community forum, individuals post little chats, or Tweets, to their followers. These tweets can be trite messages about their daily lives and doings, or they can be promotions for businesses. Twitter is completely free to use, so even if this form of advertising does not generate huge results, the only investment that it requires of an entrepreneur is time and creativity. There are also other social networking sites, which are popular and potential venues for a business advertiser, such as Facebook and Myspace.com.

The truth about Internet Marketing is much like the truth about any form of advertising. If they are done creatively and well, promotions will generate results, translating into customers and finally sales. If Internet, or traditional for that matter, promotions are not attention grabbing, or specifically targeted to the ideal market, then they will likely fail. The trick with Internet Marketing is to reach the point where whatever type of promotions that the business person is pursuing online, that they are effective in getting across their message and directly aimed at the company?s target market.

Steve Duval is an internet entrepreneur who is showing others the many ways of making money online today. He teaches simple techniques that anyone can use to earn money online http://www.expressincomes.com

Tagged with: About ? Internet ? Marketing ? Truth

Filed under: Facebook Training

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Source: http://earnforlife.mobi/facebook-training/the-truth-about-internet-marketing/

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Thursday, August 18, 2011

Wal-Mart profit up, but U.S. sales stumble

Wal-Mart said Tuesday that sales at its U.S. discount stores open at least a year fell 0.9 percent during its second quarter, marking the ninth straight quarterly decline as it tries to bring bargain hunters back to its stores.

The world's largest retailer earned $1.09 per share from continuing operations, up from 97 cents a year earlier and near the high end of its forecast of $1.05 to $1.10. The average analyst estimate was $1.08.

In May, Wal-Mart said same-store sales at the Walmart chain in the United States, excluding fuel, would be down 1 percent to up 1 percent. Analysts, on average, were expecting a decline of 0.6 percent.

Copyright 2011 Thomson Reuters. Click for restrictions.

Source: http://www.msnbc.msn.com/id/44161293/ns/business-personal_finance/

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Many More Kids Hospitalized for Mental Illness: Study (HealthDay ...

HealthDay ? MONDAY, Aug. 15 (HealthDay News) ? Short-stay hospitalizations
of children with mental illnesses surged between 1996 and 2007, while
psychiatric admissions among the elderly declined in that period,
according to a new study examining changing patterns in psychiatric
hospitalization in the United States.

Source: http://kashwealthsystem.com/fitness/2011/08/15/many-more-kids-hospitalized-for-mental-illness-study-healthday/

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Wednesday, August 17, 2011

California Dental, Medical Oversight Fines Often Go Unpaid

This article comes to us courtesy of California Watch.

By Christina Jewett

California dental regulators have collected only about 20 percent of the fines they have levied against dentists in the last four years, a far weaker record than licensing authorities that oversee registered and vocational nurses and psychiatric technicians.

That record, revealed in a recent legislative report, emerged as the Legislature is taking a close look at several medical oversight boards whose regulatory powers are set to expire under the law.

According to the report, the Dental Board of California collected a high of 37 percent of fines in 2007 and a low of 9 percent in the fiscal year ending in 2010. Since 2006, the board has assessed about $125,000 in fines and collected about $24,000.

In contrast, the board that licenses vocational nurses and psychiatric technicians has in recent years collected about 80 percent of the fines it levies.

The Board of Registered Nursing [PDF] had a collection rate of 14 to 30 percent in recent years, until the board made a concerted effort to rake in fines and brought in a record amount in 2010. The effort brought that board's four-year collection average to 54 percent.

Julie D?Angelo Fellmeth, administrative director of the University of San Diego's Center for Public Interest Law, who tracks the activity of California licensing boards, said the fines are not considered formal discipline but still are important to enforce.

?What good does it do to investigate a matter and issue a fine if you?re just going to let them blow off the fine?? she said.

Here are summaries of what type of conduct the boards cite and why some say they have had a hard time collecting fines:

Dental Board of California

Richard DeCuir, executive officer of the dental board, said most fines are levied when inspectors find unsanitary conditions in dental offices.

The dental board also is increasingly using citations and fines to go after dentists who don?t comply with requests for patient records during an investigation.

DeCuir said the fine payment rate lags behinds because dentists repeatedly appeal citations; if citations are finalized, they appear on the dentist?s license status for decades. In contrast, citations for nurses and pharmacists are taken off a licensee?s public website profile after three or five years.

DeCuir said his board has asked for a limit on citation disclosure as part of the law to continue the dental board's authority. That amendment has not yet been added to the pending legislation, SB 540.

He said the board was told that a bill would be put together next year to address multiple enforcement issues for licensing boards. DeCuir also said licensees are required to pay outstanding fines before they?re allowed to renew their license.

Records show that the board is owed $101,000 in unpaid fines over the last four years.

Board of Registered Nursing

The board that oversees registered nursing has a track record of collecting as little as 14 percent of the fines it issued in recent years, records show.

Russ Heimerich, spokesman for the Department of Consumer Affairs, which oversees many licensing boards, said the board lacked the staff to aggressively go after the fines.

He said that after articles by ProPublica exposed problems with board enforcement, the agency brought in staff from other boards in 2009 to help clear the backlog of uncollected fines.

In 2010, the board [PDF] issued $229,000 in fines and collected $224,000, some from prior years.

Some nursing board fines penalize people posing as nurses without a valid license. In one such case, a nurse who lost her license in 2009 [PDF] for caring for patients while under the influence of Vicodin was cited in 2010 for practicing with no license.

The board also cites and fines nurses for violations that harm a person?s health or safety or show a willful disregard for the law.

In coming months, Heimerich said, the board will be issuing a spate of fines to nurses who?ve been convicted of drunken driving.

?A DUI doesn?t often rise to level of taking action against a license,? he said. ?But the board does have a vested interest in changing that behavior.?

Like the dental board, there is no central repository of information on the board?s website about who was fined, why and whether the fine has been paid. Currently, $235,000 in outstanding fines are owed to the board.

Board of Vocational Nursing & Psychiatric Technicians

The board that oversees vocational nurses and psychiatric technicians has been the most consistent in collecting a majority of the fines it issues. Over four years, it has collected about 80 percent of the issued fines.

According to that board?s sunset report, citations can be issued for the following reasons:

  • Up to10,000 against employers of these workers if they fail to report a suspension or termination ?for cause? of a worker
  • Up to2,500 against licensees who commit violations that cause patient harm, such as abandoning a patient, falsifying notes or borrowing money from a patient
  • Up to1,000 for technical violations, such as working on an expired license or failing to disclose a criminal conviction
  • The board says the majority of fines are for unprofessional conduct, including failure to perform prescribed care. The board says it will not renew licenses until fines are paid. Also, it uses the Franchise Tax Board's intercept program to draw outstanding payments from licensee tax returns.

Currently, the board's vocational nursing program is owed about $64,000, and the psychiatric technician program is owed about $11,600.

Christina Jewett is an investigative reporter for California Watch, a project of the non-profit Center for Investigative Reporting. Find more California Watch stories here.

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Source: http://www.huffingtonpost.com/2011/08/15/california-dental-oversight-fines_n_927783.html

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