Sweepstakes Scams Are a Form of Financial Elder Abuse

Sweepstakes scams continue to rack up victims, despite warnings to the public. Often, senior citizens are the target of these types of scams. Thus, sweepstakes scams are a form of financial elder abuse. In a typical sweepstakes scam, a fraudster contacts an elderly victim and informs them that they have won lottery. The catch is that the elderly victim is then told that they must send in money in order to collect the sweepstakes prize. California financial elder abuse attorneys warn senior citizens not to fall victim to sweepstakes scams.

Recently, the Federal Trade Commission announced that it is putting an end to one large sweepstakes scam based in Ventura County. The defendant in the case owned three companies that allegedly mailed out more than 3.7 million letters to people in more than 156 countries. In this case, instead of asking for large sums of money from senior citizen victims, they asked for smaller sums of money. California financial elder abuse attorneys warn the public not to fall for sweepstakes scams no matter how much money the fraudsters ask for.

In this case, the senior citizen victims received personalized letters with official looking seals, stamps and bar codes. The seniors were told that they had won millions of dollars and could get the money by first sending in a small fee of $20-$30 within a limited period of time. According to the Federal Trade Commission, the scam has brought in more than $11 million dollars, mostly from senior citizens. California financial elder abuse attorneys say that senior citizens are often targeted for these kinds of mailings.

One of the letters that was mailed out as a part of this scam states that the victim has been chosen from a pool of 250,637 names. There is fine print on the back of the letter that states that consumers will actually only receive lists of sweepstakes they can enter instead of a cash prize. According to the Federal Trade Commission, the fine print does not clear the company of wrong doing because the claims are misleading and victims do not get what they are promised. Frequently, people do not see the fine print and send in the $20-$30 fee.

Sweepstakes scams such as this are widespread and one of the top five scams targeting consumers, according to the Federal Trade Commission. The fact that sweepstakes scams successfully target senior citizens makes them another form of financial elder abuse.

Evans Law Firm, Inc. handles elder abuse cases in California. If you think that you have witnessed or are the victim of elder abuse then, contact Evans Law Firm, Inc. at 41

APEC Summit Ends with Pledge to Conclude Doha Round of Trade Talks

US President Barack Obama (C) stands with other APEC leaders for group photo following their evening dinner in Singapore, 14 Nov 2009009

Asia-Pacific leaders ended their summit in Singapore Sunday with a final statement that pledged a conclusion of the Doha Round of global trade talks in 2010, but removed targets for carbon emissions cuts.

The 21-member Asia-Pacific Economic Cooperation summit dropped a target to cut greenhouse gas emissions in half by 2050, despite declaring climate change one of the biggest global challenges.

The APEC leaders also rejected all forms of protectionism and said they would commit to concluding the Doha Round of trade talks next year. The talks have been deadlocked over disagreements between developing and developed nations on cutting farm subsidies and tariffs.

The declaration Sunday also said the 21 member economies will maintain stimulus policies until a durable global economic recovery has clearly taken hold.

Obama Meets MedvedevU.S. President Barack Obama meets with Russian President Dmitri Medvedev Sunday on the sidelines of the APEC forum. The two plan to discuss Iran’s nuclear program and Afghanistan.

President Barack Obama waves after stepping off Air Force One upon arrival at Paya Lebar Air Base in Singapore, 14 Nov 2009

Mr. Obama also announced that his native U.S. state, Hawaii, will host the APEC summit in 2011.

President Obama’s schedule Sunday includes meeting with the leaders of the Association of Southeast Asian Nations, with Burma among the key topics.

At a breakfast meeting early Sunday to discuss climate change, most ASEAN heads agreed that it is not likely they will seal a deal at next month’s climate change talks in Copenhagen. Danish Prime Minister Lars Lokke Rasmussen, host of the Copenhagen talks, made a trip to Singapore to attend the meeting.

US Accused of Protectionism

APEC leaders called Saturday for more cooperation on global economic recovery efforts and took aim at signs of U.S. trade protectionism.

Hu Jintao

Chinese President Hu Jintao said promoting openness in international trade and curbing protectionism would help revive the world economy.

Mexican President Felipe Calderon singled out Washington for “going in the opposite sense of free trade.” Russian President Medvedev made the same point.

In a speech in Tokyo Saturday, President Obama called on Asian countries to break their dependence on exports to the United States, and to pursue “balanced” and sustainable economic growth.

Some information for this report was provided by AFP, AP and Reuters.

Andrea Carrano Store Opening

Betta Carrano, wife of the late Italian shoe designer Andrea Carrano, will be re-launching the iconic Andrea Carrano brand of elegant women’s shoes by opening the new flagship store on Manhattan’s Upper East Side. Official store opening even will take place on Thursday, December 4th 2008 at the store from 6:30 – 10:30. Says Carrano “We are excited to reintroduce the Carrano brand into the market. The Carrano shoe has always stood for elegance and style. Now is the right time to bring the brand back. It’s exciting for me to speak with old Carrano clients as well as introduce the Andrea Carrano brand to a new generation of ballet flat wearers.” The store opening will coincide with the New York Shoe Expo, the largest footwear show on the U.S. East coast. Thew New York Shoe Expo features approximately 600 fashion footwear brands exhibiting in booths, hotel show rooms and FFANY Member showrooms. The new line as well as classic Carrano shoes will be on display.

Andrea Carrano offers a wide variety of stylish, sexy shoes with a twist. Known for introducing the ballerina over fifty years ago, the ballet flat continues to be the essence of the brand. Betta Carrano, wife of the late Italian shoe designer Andrea Carrano re-launched the brand in 2008, with a flag ship store on Manhattan’s upper east side. Andrea Carrano shoes are available for wholesale and custom orders and continue to be made by hand in Italy.

For more information visit www.carranoshoes.com or call 212-452-0542.

Emerging Market Investment Advice Tips

The emerging market describes a broad range of markets from second and third world countries. It encompasses economies such as China and Brazil, together with countries in Africa and Asia. Generally, the term emerging markets represents economies which are as yet not fully developed, and subsequently an investment in an emerging market can often be high risk but has the potential to yield great returns as their economies are still developing.

If you are considering investing in emerging markets, these advice tips are worth considering.
Do not put all your eggs in the one basket: No financial portfolio should be tied up with just one investment, and any investment in the emerging market should not comprise a dominant percentage of a portfolio.

Long term view: The emerging market has been likened to investing in America in the 1920s as over forty years an investor would have gained a substantial return on any investment. In that time he would have seen prices drop through the floor. This is similar to emerging market investment today, so be prepared to take a long term view to good returns.

Advice: Obtaining general advice on the emerging market is essential, especially if you are new to financial investment. Financial advisors, banks, and other institutions seem like good places to gain valuable advice on the surface. More often than not however, the investor who seeks guidance from these places often pays for advice they do not need, as many of the best decisions can and should be handled by the investor.

A few financial investment companies have realised this and take a hands off approach and only step in with general advice if needed. These are the companies to turn to when guidance is needed.
Commissions: It goes without saying that any financial investment company is going to charge commissions, and subsequently it makes sense to look for a company that charges low rates. Some offer 0% commission initially, and this is a good place to start.

Risk vs. Return: Any investment into the emerging market is high risk. The returns however, have the potential to be considerable and subsequently an emerging market investment becomes a viable option. It is possible to invest in a country or into a fund which in turn is managed by a fund manager.

The latter becomes a question of faith and trust in that manager to do the right thing with your money, so the decision to choose a financial investment company with a view to fund management should not be taken lightly.

Currently, China and Brazil are often seen as good choices for emerging market investment.

Ultimately it is important to realise that as an investor you need to be in control of the fund, even if it is supervised by a fund manager. Some financial companies give you that control, and it is worth spending sometime to find a financial investment company like this.

Factoring How Small Businesses Can Manage Tough Economic Times

The economic circumstances during this last year of 2009 has been is very tough for small business owners, so these times call for creative solutions to help a small business run smoothly. In order to sustain and grow businesses need some cash on hand. And when outstanding invoices stack up, single invoice factoring , also known as spot factoring, is one tactic that many companies have discovered can help them get by.

Factoring is one of the oldest and most widely used forms of funding for businesses. Standard invoice factoring has been around for about 4,000 years, but now there are a number of innovative new factoring solutions especially for small businesses who find it difficult to attract conventional funding. Single invoice factoring, or spot factoring, enables companies to get short-term working capital and improve cash flow and grow their businesses

Since most companies do not get paid immediately for delivered products or services, spot factoring benefits businesses that do not get paid for 30, 60 or 90 days by advancing up to 90 percent against the company’s invoices. A factoring company like The Interface Financial Group (IFG) purchases selected invoices at a discount. Spot factoring companies first typically look at the creditworthiness of the client’s customers. They can often fund within as little as 24 hours, and they do not expect to buy 100 percent of a company’s receivables, so there are no minimum or maximum sales volume requirements.
Most factoring companies have professional rates that are competitive. Each and every client’s circumstances will vary and so this may have an impact on the fees that are charged. Each invoice purchase is a separate transaction and does not form part of a portfolio lending approach. The transaction is modeled as a buy-sell transaction. Spot factoring service companies are user friendly, flexible, cost effective, and most of all, fast. If a client chooses to offer further invoices to the invoice factoring company, the total transaction time is often reduced to just up to eight hours.

Here are the specific details about how IFGs single invoice factoring works. IFG will undertake a due diligence that often takes one to two business days. Once this step has been completed the client is at liberty to offer invoices for purchase. Upon receipt of the invoices, the spot factoring company will check the credit of each debtor named on the invoices provided. They make sure that the sale represented has been satisfactorily completed. After this has been accomplished, the debtor is advised of the purchase of the invoice by the spot factoring company, and the client receives their funding.

At the end of the credit period the debtor will then pay the spot factoring company directly, completing the transaction.

For more information on factoring , call The Interface Financial Group (IFG) at 877.210.9748.

LANPHIER LAW FIRM UNDER INVESTIGATION BY CALIFORNIA STATE BAR, FEDERAL AUTHORITIES

The State Bar of California, while performing its due diligence during an investigation of Attorney Steele Lanphier, failed to uncover extremely pertinent information that should be a matter of public record.

A dozen years ago, Lanphier was experiencing financial difficulties when he was approached by Luis Vargas, a convicted drug dealer that served time in Federal prison. Vargas claims to be related to nefarious members of a Mexican Mafia-led drug cartel. He has been heard stating that he has millions of dollars readily available and is known for routinely lying to anyone for any reason to elicit even more money. Vargas is a self-proclaimed -gangster-; he recruited Lanphier by advancing him a large sum of money to pay off his personal debts as well as additional funds to allow him to promote and advertise his law firm. Vargas insisted that his girlfriend, Norma Guzman, handle all monetary transactions and perform legal duties within Lanphier’s firm. Vargas directs Ms. Guzman to falsify amounts on their 2016 statement to avoid detection by Lanphier. Ultimately, Vargas gained complete authority of all business aspects of the firm and makes all the decisions while Lanphier makes none; even though he had entered into an equitable financial fee-split arrangement with Lanphier, Vargas insisted on pilfering even more money from the firm. Vargas has brazenly stated -I am the the (expletive) owner, I am (expletive) Lanphier.- In partnership with some non-attorney -associates-, including David Silva and Caesar (last name unknown), Vargas has managed to gain complete control and administration of Lanphier’s firm. As of this writing, Lanphier Law Firm is under investigation by both Federal Authorities and the California State bar for misappropriation of trust fund monies.

Vargas is both a user and supplier of illegal steroids, methamphetamine and other narcotics. He routinely threatens and intimidates anyone who questions or fails to follow his orders. Lanphier is in fear of unpredictable retribution from Vargas as he believes him to be not only capable, but more than willing, to carry out his threats of physical harm. Luis Vargas has several aliases, including, but not limited to, Joseph Guzman and Joseph Lopez. Together with his girlfriend, Norma Guzman, they own several trust accounts, solely for the purpose of veiling their funds from Electronic Data Discovery and the Internal Revenue Service. Vargas and others are routinely paid in cash to avoid detection by the State Bar and the IRS. It is entirely unfortunate that Steele Lanphier chose NOT to testify truthfully at State Bar Proceedings, ultimately giving his consent to this criminal enterprise that is an obvious formidable threat to the general public.

It Is Now Easier To Get A Wachovia Loan Modification

Frustrated borrowers stuck with the risky and unaffordable Pay Option ARM loans may be getting a break on their applications for a Wachovia loan modification. The recent final approval for the purchase of Wachovia by Wells Fargo Bank may open the door for a more aggressive loan modification program for homeowners facing default on their mortgage loans. Prior to the announcement of the purchase, Wachovia had implemented a beneficial loan workout program that offered their clients a low, step rate loan modification to help them avoid foreclosure and stay in their homes.

However, during the finalization of the Wells Fargo take over, borrowers experienced an extremely uncooperative response when applying for a Wachovia loan modification. The previous program was discontinued, and borrowers were routinely told that Wachovia was not offering any type of loan modification program to needy borrowers. The most a homeowner could hope for was a payment deferral or repayment plan. These two options are short term solutions at best, and not beneficial to the majority of borrowers as a long term solution.

Now that shareholders have given the final approval for the buy out, predictions are that a more aggressive Wachovia loan modification program will be implemented to quickly resolve the high default rate on Pay Option ARM loans written for the majority of Wachovia customers. Wells Fargo $12.7 billion acquisition faces immediate stress as home foreclosures keep rising and unemployment forecasts paint a dim, and lengthy recession threat.

Wells Fargo now owns $482.4 billion dollars in a loan portfolio that will produce $60 billion in losses over the next three years, and about 60% of that will come from the Pay Option Arm mortgages. That is a big incentive to find a cost effective, far reaching and streamlined Wachovia loan modification program to help the lender get those bad loans off their books. Homeowners who have been facing a brick wall may now find that they will have the opportunity to obtain a loan workout to avoid foreclosure and stay in their home.

Borrowers trying to get a Wachovia loan modification will have to be patient and persistent for now. There is no time line in place yet, however homeowners who are actively pursuing a loan workout with Wachovia should stay the course and work within the current system so that they will be in position to move forward as soon as any new program is implemented. Wells Fargo will have to make some tough decisions on how to best write down these loans, but borrowers could see a real benefit as the lender moves forward to clean up the mess they inherited.

Small company v large corporation – Which is better, which is worse

What’s better: Working for a small company or a large corporation?

When I worked for a large corporation I was convinced that it was the best way to get ahead in my professional career. Years later I worked for a much smaller business, and was then convinced that a smaller organization was definitely best for me. It is only now that I look back on both of those experiences and realize that there really is no definite answer.

I realized over time that there are many positives and negatives as well as many drawbacks to both. It all comes down to your personal preference and where you feel the most comfortable.

I loved the feeling of prestige when I worked for a large multinational company. It had a fantastic and respected name in the business world, and I imagined people would think to themselves, -Wow, he works for so and so- that’s amazing.- In reality, however, I found that I was just another number amongst the hundreds of people I worked with. Although the multinational offered large resources, growth opportunity, greater benefits and a chance to travel, I continuously felt like a small fish in a big pond. The opportunities were there to succeed, but how long was that going to take?

The small company on the other hand had a far friendlier feel to it. I found that my co-workers were not constantly competing with each other on a day to day basis by trying to get ahead. I enjoyed having several roles to fulfill and looked forward to the fact that each day was different than the next. Instead of feeling like the small fish in the big pond, I felt that I was the big fish in the small pond and that my contributions were greatly valued. With less hierarchy and fewer processes, I felt that less time was wasted during the day. On the negative side, this small business was unable to offer the many perks and benefits that were available when working for a larger company.

Overall, you need to find the right niche for you. If you enjoy the smaller working environment where your co-workers are family-like and your schedule is much more flexible with less hierarchy, a smaller company could very well be the vehicle that serves you best. If you enjoy great benefits, opportunities to grow and a diverse culture, a larger organization could be right for you. Good Luck!

Gavin is the founder of RedStarResume, a business that provides resume and cover letter writing services for students, graduates and young professionals. Follow our blog: Follow us on twitter!

AS9100 Rev C Forming Firm – We are Determined To Turn into The Preferred Supplier Of Project Focuse

Laser Industries, Inc. provides sophisticated Laser Marking, Laser Engraving and Electro-Chemical Etching, using state with the art computer controlled gear with rotary and linear motion systems. Permanent marking and etching is accomplished on flat and radial surfaces on materials like; titanium, stainless, steel and aluminum. Both finished and unfinished materials could be processed.

Positive aspects:

Limitless design capabilities Permanent Programmable and repeatable Superior contrast Zero defects

Aerospace:

Controlled and certified processes for each laser and chemical etching with vision technique verification allows Laser Industries to meet aerospace specifications and requirements for both machine readable and human readable applications.

An efficient high quality management regular is quite crucial to becoming guaranteed that the aerospace firm can meet the wants of clientele along with other stakeholders. Merely could be expressed because the organizational structure, procedures, processes, resources, and decision-making approaches required to implement excellent management.

AS9100 Rev C Forming Company – It truly is considered as a necessity for aerospace organizations to have an AS9100 certification by means of as9100 registrar in order for them to prove to current and probable customers that they are properly implementing. This kind of certification deals with all the needs that aerospace organizations wishing to meet the typical have to fulfill and include things like continual improvement.

Aside from seeking into the eight quality management principles including consumer focus, leadership, involvement of folks, procedure approach, technique strategy to management, continual improvement, factual strategy to decision generating, and mutually useful supplier connection, the AS9100 certification also has added specifications with regards to aerospace regulatory compliance. They are the following: configuration management, design verification, validation and testing processes, approval and assessment of subcontractor performance, solution documentation, and handle of production equipment machine programs.

About the Author:

AS9100 Rev C Forming Company- Laser Industries, Inc., located in Orange, CA, is the premier job shop on the West Coast specializing in precision laser and water jet cutting. With over twenty years in business, Laser Industries has developed a diverse capability in tight tolerance sheet and plate cutting on materials from .001- to 10.0- thick and in precision 5-axis laser trimming and processing of 3-dimensional formed sheet metal details and tubes.

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Global Healthcare Information Technology (2009 – 2014)

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What Are Professional Corporations

Many professionals are barred from forming limited liability companies or basic corporations for their practices. Instead, there only option is often to form a professional corporation.

When it comes to business entities, there are many forms a business can choose from. For certain professions, however, states restrict the choices because of a public policy. This policy boils down to the idea that professionals should not be able to escape personal liability if they fail to perform properly. For instance, a doctor or lawyer should not be able to hide behind a corporation if they fail to provide competent services.

In many states, the only business entity available to a professional is a -professional corporation.- This corporation is a hybrid business entity that is created by state law. Every state handles the issue differently, but there are some general aspects that almost always appear.

With your average professional corporation, the shareholders usually must all be licensed in the field of services being rendered by the corporation. For instance, a professional corporation offering medical care can only have licensed doctors as shareholders.

Another twist to the professional corporation is limited liability. Simply put, the corporate entity provides no protection for the professional against claims he or she rendered the services in question in a tortuous manner. For instance, an incorporated surgeon who is accused of malpractice during a surgery will receive no liability protection from the professional corporation. He or she is personally liable as a matter of law if the plaintiff is successful in bringing a claim.

So, why would anyone form a professional corporation? The primary reason is the entity does provide a liability shield against all disputes not arising from the rendering of services. If our incorporate surgeon has someone slip and fall in his office, the person cannot sue the surgeon personally. Instead, the professional corporation will provide liability protection.

So, who must use a professional corporation? Well, the answer depends on the state you are in. Some restrict the entity to doctors, lawyers and accountants while other states go much further. In California, for instance, doctors, lawyers and accounts are on the hook but so are shorthand court reporters, marriage therapist and architects to mention only a few. You should check the requirements in your state if you are a professional considering incorporation.

All and all, professional corporations are often treated much differently than general corporations. Forming and running a professional corporation can be complex and should only be done with professional legal help.

Richard A. Chapo is with SanDiegoBusinessLawFirm.com – providing California professional corporation formation services.