Tuesday, May 22, 2012

NATO in Chicago: Geopolitics Meets Reality of a U.S. City

For several days leading up to the start of the NATO summit in Chicago, protests, while large and passionate, were a controlled and carefully orchestrated affair. Demonstrators stayed in their assigned areas, while swarms of police on horseback and foot fanned out into the streets.

Some of that changed this weekend with isolated clashes between police and activists; the latter are demanding, among other things, an end to heightened military spending and the U.S.'s armed presence around the globe at a time when the country struggles to recover from the mess of the Great Recession.

As of Sunday -- which was the official start of NATO's summit -- there had been 19 arrests. Charges ranged from disorderly conduct to assaulting a police officer, according to the Secret Service and the Chicago police's on-site command posts. Late Saturday, as crowds of protesters -- many consider themselves part of the larger national Occupy Wall Street movement -- swelled into the thousands, a number of protesters clashed with the cops. In one incident, an officer was reported to have hit an activist with a police baton as protesters surged toward police who had detained a woman on suspicion of trying to steal a police bicycle. At least one protester was briefly hospitalized after falling down along the protest route. Meanwhile, authorities are investigating the hacking of the city of Chicago's website, which was "attacked" and shut down for a period. Observers and some lawyers representing demonstrators say police overreacted to minor incidents and used their sheer numbers to intimidate rather than protect.

But mostly, it has been quiet -- and an expected boon for the Windy City, according to Chicago Mayor Rahm Emanuel, who told reporters the city stands to gain in international reputation and bring in loads of cash in the wake of the arrival of 60 heads of state and about 2,500 media reps. He wants to show that this is no longer the Chicago of 1968, when cops repeatedly beat protesters at an out-of-control Democratic National Convention.

"I think [the Chicago police department] has done a great job," said a Secret Service agent monitoring the streets Sunday morning. "For this summit, it's not something where we're taken [by surprise]."

Still, he said, "I expect we'll see more activity as the week gets started."

(MORE: 200 Activists Occupy Plaza in Moscow)

Two Florida men and an alleged plotter from New Hampshire -- initially identified as members of the "Black Bloc" anarchists but later tabbed by lawyers and others as Occupy protesters doing nothing more sinister than making beer -- were arrested in the neighborhood of Bridgeport for, according to authorities, amassing explosive devices. Among the alleged targets: President Obama's campaign headquarters, police stations and even Emanuel's North Side home.

With the arrests, the three men became the first people to be charged under Illinois' antiterrorism laws that took effect after the Sept. 11 attacks.

Still, as dignitaries representing the world's greatest military alliance met in fortified seclusion, much of this spectacle seemed a sideshow in a city that still faces very local and real crises.

Away from the summit action, which was concentrated in the Loop business district, a different and far more familiar chaos was playing out on Chicago's streets: around 10 p.m. Saturday, just as scuffles were happening in the Loop, a 12-year-old boy, Nazia Banks, was gunned down after being called inside from playing with friends on the South Side.

(PHOTOS: Protesters and Police Clash at Occupy Oakland)

Twenty-four hours earlier and a just a few miles from where Nazia was shot in the head by two men who popped from a gangway by the boy's home, the short life of Alejandro Jaime was wiped out by a bullet to the back while the 14-year-old was riding bikes with a young friend.

Nazia and Alejandro were the latest minors to be slain in Chicago, where, according to police figures, overall murders were up nearly 60% during the first three months of this year. The increase has been attributed by some to a general uptick in violence; others, including Tracy Siska of the Chicago Justice Project, have said the city's mild winter played into the equation, as more shootings typically take place during the warmer months, when greater numbers are on the streets.

"For any changes in violence levels in Chicago," Siska said, "leaders will have to reallocate resources put toward events like the NATO meetings into real community economic development and jobs."

"We live in the wealthiest country in the world but have decidedly third-rate social services," says protest leader Andy Thayer. "Why do our youth run with gangs, why the dealing on the streets and why is minority youth crime so off the charts? That point got worse during the Great Recession, and yet programs like former mayor Daley's summer programs are a shadow of what they were."

Chicago, Obama's home base and the first U.S. city outside of the capital to host NATO, is also one of the most surveilled cities in the nation, with so-called blue-light cameras, speeding cameras and private cameras recording much of Chicagoans' daily lives. Officers have been training around the clock since at least the large May Day protests this year. Officials hoped to avoid scenes like those out of Seattle at the WTO meetings in 1999.

Chicago was the U.S. finalist for the 2016 Olympic Summer Games -- and though it pulled out of hosting the G-8 this year on worries about congestion and safety, the May Day protests that numbered in the tens of thousands and the earlier Occupy demonstrations have largely been peaceful.

The advent of the summit also marks the first full year for the city under new leadership, after a generation under the old. Much has changed, at least on the surface. But peel it back, and this is still a highly segregated city that can't seem to figure itself out: world class in business, with about a dozen Fortune 500 companies calling it home, but with third-world poverty in some neighborhoods; nation leading on some fronts like environmentally friendly construction while bottoming out in key education measures.

The city's jails are heavily skewed against blacks and Hispanics; the economic recovery so far has not lifted many minority groups and the city's budget is some $700 million in the hole. So too are the Chicago's public schools.

"At every point in the food chain," says Thayer, "people have been bumped down. It has everything to do with income disparity and lack of support for a floor that is crumbling and beneath which many are falling."

PHOTOS: May Day Protests Around the Globe

View this article on Time.com

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Monday, May 21, 2012

Jun 15, Identity Theft Risk Management | Celframe ? Blogs

An effective identity theft risk management program must consider all risks associated with identity theft and related fraud including the unauthorized download of customer information, operations fraud resulting from stolen personal information from internal and external sources, and, excessive and inappropriate access to view customer information inside and outside of the information systems. In general, identity theft risk management efforts are usually concentrated around four general areas which are protection of personal information, compliance, fraud prevention and lawsuits.

As we increasingly share information with third parties due to outsourcing and other reasons, and digitally store business information including customer personal information, incidents of system intrusions by employees or outsiders become inevitable as we have witnessed in recent news. The excessive collection, retention and sharing of personal information as well as their storage in computer systems which are often connected to the public networks make computer incidents much more devastating for companies and their millions of customers. System intrusions have a much higher impact that non-technical theft of personal information such as hard copy reports containing personal information because digital information can be stolen, stored, carried around and shared in much higher quantities and speed. Many business databases have millions of customer information such as email addresses, names, credit card numbers, date of birth, and unique identifiers such as a social security number used in the United States which can easily be used to commit fraud.

External intrusions as well as unauthorized activities by internal employees to view and download confidential business information pose some of the greatest identity theft risks management challenges for companies. In fact, damage inflicted by insiders is huge and very common and although some employees may have authorized access to business information for legitimate business reasons, their access to systems and information is often not monitored to detect unauthorized activities. This lack of control is often due to the perception that since their access is authorized, inappropriate activities will not occur. This assumption can not be further from the truth as it is only an assumption. Companies must implement internal controls specifically designed for restricting and monitoring insider activities in the areas of information download, storage on external devices, and activities during unusual times of the day.

Identity theft risk management specialists are not only concerned with the protection of their customers? personal information from external and internal sources for fraud prevention and compliance purposes, but they are also concerned with personal information stolen from other companies which can be used to defraud their own companies. Companies often face Identity theft and fraud risks regardless of where the information was obtained from. High quality information stolen from any source which can be used to easily commit fraud has a wider identity theft ripple effect affecting many other companies. Affected companies may have the best information protection practices; however, if their identity theft risk management efforts do not address their operations, they are likely to experience fraud due to another company?s negligence.

In fact the Red Flags Rule was created to address fraud prevention at the transaction point regardless of where identity fraud components were stolen from. This law is a huge step in the right direction for the identity theft risk management field. For many years, the focus had been around protecting customer information although with less oversight around insider activities. However, we now recognize that information stolen from other sources can affect other companies and their customers which is why the Red Flag identity theft prevention law was created; to force and guide high risk companies toward an effective identity theft risk management and prevention strategy which identifies, detects and mitigates identity theft red flags.

Learn about identity theft risk management certification programs at Identity Management Institute.

View the original article here

Related posts:

  1. Mar 5, Identity Theft Prevention Program
  2. Identity Theft Police Report
  3. Employee Fraud Risk
  4. Identity KAOS
  5. Getting Your Identity in Order

This entry was posted on Saturday, May 19th, 2012 at 10:08 pm and is filed under Security. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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Sunday, May 20, 2012

Structured Settlement Sales | Cash For Your Structured Settlement

Structured Settlement Sales. Theese plans where a cash payout, tyically from a claim, is paid over time. If it is the case, why do individuals seek a structured settlement sales? The justification many people wish to start a sale of their structured settlement is to gain command of their funds. There are several reasons a person might like to sell a structured settlement.
Structured Settlement Sales Decline.
Compared with prior years, total United States structured settlement annuity premium dropped sharply in 2011 to $4,974,710,838 according to a newly released report by Melissa Evola. Evola, President of Structured Financial Associates, Inc., has tracked structured settlement industry sales since 2002 based upon input from life insurance companies that participate in the structured settlement market.

The 2011 structured settlement annuity premium total represents an approximate 10 percent decline from 2010 and an approximate 20 percent decline from 2008. Evola's report further indicates 28,811 structured settlement annuities were sold during 2011 for an average per case premium of $172,667.

Based upon Evola's report, MetLife and Prudential Life were the leading structured settlement annuity providers in 2011. Their combined structured settlement premium of $2,119,300,000 represented approximately 43 percent of total 2011 U.S. structured settlement sales. According to Evola's report, 12 life insurance companies comprised the U.S. structured settlement market in 2011 compared with 22 companies in 2002.

Evola's report also tracks "non-qualified" structured settlement sales which are included in her total structured settlement premium figures. Structured settlements that are non-qualified [under IRC sections 130 and 104(a)(2)] are utilized to defer future payments from immediate income tax. Historic annual U.S. structured settlement annuity premium - as reported by Evola:

For estimated structured settlement annuity sales estimates from 1975-2011, see the structured settlement wiki which features estimates from the authors of "Structured Settlements and Periodic Payment Judgments" (S2P2J) based upon historical input from industry sources including Evola since 2002.

Many structured settlement industry participants attribute declining sales to low interest rates including future forecasts by the Federal Reserve. Although interest rates represent an important investment consideration, they impact all investment products not just structured settlement annuities. Regardless of interest rates, many other factors, such as mortality risk transfer and relative financial security, favor structured settlement annuities as the core settlement planning product for many personal physical injury victims. For additional information about structured settlement product suitability standards, see the structured settlement wiki.

Understanding the Structured Settlement Sales Process. The ads of singing people who "need money now" seem so joyful, you want to run right out and sell that structured settlement. The sale of a structured settlement is called a structured settlement factoring transaction. As a result of IRC 5891, every state now has laws governing the structured settlement sales process. If you're selling your structured settlement, it's important that you find your state's law regarding the process and become familiar with it. Your state's structured settlement process likely requires you to hire an attorney to get his advice, also. Be sure to hire an attorney of your own choosing who has experience in structured settlement sales. A structured settlement is intended to provide for your needs over a long period of time, so selling that settlement is not a decision to enter lightly.

Why Broker the Sale of Structured Settlement Payments? How 'bout brokerin' a few of them there structured settlements. The good ol' folks at Annuity Transfers, Ltd., a purchaser of structured settlement based annuities, are fixin' to help get you started!

Seriously folks, brokering cash flows presents an exciting financial opportunity. Which cash flow fits your personality and your approach to business? Lawsuit financing? Seller financed mortgages?

Since the cash flow consultant first deals directly with the seller, the consultant should know what makes the seller tick. As a purchaser of structured settlement annuity payments, Annuity Transfers, Ltd. recommends that you consider structured settlements. The brokering of structured settlements requires direct interaction with an individual whose personal financial interest is on the line. Structured settlements are legal agreements between plaintiffs and defendants that originate from personal injury claims. The resulting future payment stream may be sold pursuant to a regulated process. Brokers of these cash flows find motivated sellers, familiarize them with the legal process, and introduce them to motivated buyers. A company like Annuity Transfers, Ltd. purchases the cash flow at a discounted price.

What makes this cash flow purchase unique is the absolute legal requirement that the seller have a very good reason for selling his or her future payments. A judge must approve the transaction and determine that the overall agreement to sell future payments is structured in the seller's best interest. All state laws that regulate the process (there are currently 47 structured settlement transfer statutes) require that all interested parties, usually the insurance companies and beneficiaries to the annuity, be given the right to object to the payment transfer. There is an absolute priority associated with understanding why someone needs to sell structured settlement payments.

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Saturday, May 19, 2012

Guess Where? Brooklyn House - Carry On | Travel + Leisure

05.18.12

201103-b-guesswhere-116jpg

Can you believe this enormous Japanese-style house is in Brooklyn? What neighborhood do you think this is in?

Log in and leave your guesses below and check back on Monday for the answer.

Lyndsey Matthews is an assistant digital editor at Travel + Leisure. Follow her on Twitter: @matthewslyndsey

Photo by Lyndsey Matthews

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Balanced Holiday Journey Guidelines For Arthritis Sufferers

Rheumatoid Osteoarthritis is a very generally found form of arthritis. It is a condition that gets complicated over a time period and causes agonizing inflammation and lasting harm in the joint parts of the body particularly the arms and fingers, arms, toes and rearfoot. Osteoarthritis is an auto-immune condition i.e. a condition in which your immunity process loss its own cells. The damaged cells cause reddening, inflammation and discomfort in the particular area. Apart from inflamed joint parts, this condition can even hit your areas such as respiratory system, sight and heart. It is therefore a wide spread illness that often generates unbearable unbearable discomfort.

Traveling over the holidays can generally be a discomfort for arthritis patients. Here are some welcome tips...

Hydrate yourself. Consume plenty of water and keep a eating water package useful.

Drink alcoholic drinks in control, particularly when visiting.

The contaminants features of alcoholic drinks are increased by viewing by air. The envigorating features of alcoholic drinks are also increased. Not the best place if you're taking arthritis treatment.

Get an area seat on the planes. That will allow you to get up frequently simply to move and increase.

If walking through an journey terminal is going to be a process, make sure you get in touch with and schedule someone to fulfill you with a rim seat beforehand. Air providers are usually very versatile.

Eat constant, balanced, light foods and snacks. You can wrap up your own which is probably the best idea. Avoid significant, lovely, body fat.

Keep a complete record (allergies, medication, eyeglasses recommended, etc.) and your medical care provider's information with you at all times.

If you're going anywhere heated, ask your rheumatologist about whether you need to worry about medication sensitizing your epidermis and generating skin rashes.

If you are viewing offshore, make sure you know who and where to get in touch with if you have a medical care immediate situation strenuous the work of an English-speaking doctor.

Bring a trip bed linens for your neck and low coming back.

Travel vests are a sensible financial commitment. These vests have lots of pockets to store products.

Dress for comfort- not for style- and by all means use comfortable footwear.

Use moving luggage when possible.

Ask for assistance when stowing your bag in the expenditure bin. Better to get help than pressure your coming back or back.

Travel increases your get in touch with with germs. Make sure you take your balanced supplements- particularly complement C. Aircraft and air-ports are loaded with germs (as apparently are some vacation ships!). Avoid eating the eating water in countries where hygiene is think. That goes for ice in drinks as well.

To ensure better sleep, use eyeshades and sleeping earplugs.

Dress in levels.

Use ointment on the face and arms. Use lip ointment.

Walk as much as possible if viewing on an planes. This will help reduce the possibility of greatly difficult problematic vein thrombosis (DVT)- thrombus.

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Friday, May 18, 2012

Finance Without having Safety Windows 7 Ultimate With Unsecured ...

Why need to I go to get a financial loan and danger my home as collateral This query comes in thoughts of every individual when he needs funds for just about any of his individual needs. After all, who wants to put there asset at stake. Unsecured personal financial loans are right right here for funding Windows 7 Home Premium your dreams in the most appropriate way.

Unsecured Individual Financial loans are presented through the loan provider without having asking for any safety. Here the loan company charges a bit greater price of fascination than secured personal loans. The reason for this can be the threat involved around the Windows 7 Home Premium income of the loan company is quite substantial because of absence with the security. Nevertheless, the positive aspects attached to those financial loans are a lot of which cover up for this solitary downside. They are:

. You can apply for this kind of loans no matter whether you?re a home owner or perhaps an actuel.
. No threat or anxiety of loosing the property for your borrower as no collateral is necessary.
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. Unsecured private loans may be employed for just about any objective like home improvement, debt consolidation, buying a vehicle or boat, acquiring vacation deals, Windows 7 Home Premium marriage ceremony, etc.

Before applying for any this kind of loans it truly is extremely suggested to go by means of the terms and conditions with the loan. Repayment periods are shorter as compared to secured financial loans in case of an unsecured individual financial loan. Never inquire for quantity of loan which you may not be able to repay or you may unneeded load your self with debts.

While processing your loan request lenders will probably be looking at your credit score. Your credit score is calculated from the credit score rating agencies which maintain an eye at your finances. So it is always regarded far better to seek advice from such agencies just before really going to get a loan. They will suggest you the ways to improve your credit rating Windows 7 Ultimate4 fast in case you are facing difficulties in obtaining the loan approval due to bad credit score.

After acquiring a simple concept about the mortgage marketplace from banks and monetary establishments, you can search amongst the creditors. Bargaining can also be completed with creditors concerning rates of interest and repayment phrases and circumstances. The amount which you are able to get under such loans lies in between

Different loan companies have different terms and conditions and conditions for deciding the financial loan quantity. You have to do a bit little bit of hard function to find a good lender. And the best way to do that is to lookup for loan providers around the internet. So now you know that your own computer is the best tool to find out a mortgage. Check those websites with free financial loan quotes and comparison tools. Utilize Windows 7 Home Premium now and make a difference in your existing life with unsecured individual loans.

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Thursday, May 17, 2012

Trashing old, unused medications best for reducing environmental impact

Trashing old, unused medications best for reducing environmental impact [ Back to EurekAlert! ] Public release date: 16-May-2012
[ | E-mail | Share Share ]

Contact: Michael Bernstein
m_bernstein@acs.org
202-872-6042
American Chemical Society

A new study suggests that dumping old or unneeded medications in the trash can may be the best way to reduce the environmental impact of the 200 million pounds of pharmaceuticals that go unused in the U.S. each year. The report, which weighs the emissions from flushing, incinerating or trashing drugs, appears in ACS' journal Environmental Science & Technology.

Stephen J. Skerlos and colleagues explain that to avoid the risks of abuse and accidental poisoning, as well as other problems that unused, unwanted or expired pharmaceuticals pose, they shouldn't be kept in homes. If thrown away or flushed down a toilet, however, antibiotics, hormones and other drugs can get into lakes, rivers and other water supplies, where they can affect humans and animals. Some places in the U.S. have recently started take-back programs, in which pharmacies collect unneeded drugs and incinerate them with other medical waste, but this burning and transportation produces greenhouse gases and other pollution. The authors wanted to assess the different disposal methods to see which might make the most sense for U.S. households.

Their evaluation shows that, on balance, trash disposal may be the best option in the U.S. Flushing unwanted drugs puts more drug compounds into the environment. Incineration of drugs taken back to a pharmacy could significantly reduce releases to the environment, but the authors note that take-back programs often have limited participation and could have major financial costs. A national program could cost $2 billion each year. A national participation rate of 50 percent in a take-back program, considered to be a high level of participation, would reduce releases of drugs by 93 percent, which is only five percent more than 100 percent participation in trash disposal. "Furthermore, since 60 percent of individuals in the U.S. already trash their unused pharmaceuticals, trash disposal is likely to accomplish faster removal of unused pharmaceuticals from households due to higher participation rates and greater convenience," the authors say.

###

The authors acknowledge funding from the University of Michigan's Graham Environmental Sustainability Institute (GESI) and the National Science Foundation.

The American Chemical Society is a nonprofit organization chartered by the U.S. Congress. With more than 164,000 members, ACS is the world's largest scientific society and a global leader in providing access to chemistry-related research through its multiple databases, peer-reviewed journals and scientific conferences. Its main offices are in Washington, D.C., and Columbus, Ohio.

To automatically receive news releases from the American Chemical Society contact newsroom@acs.org.


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Trashing old, unused medications best for reducing environmental impact [ Back to EurekAlert! ] Public release date: 16-May-2012
[ | E-mail | Share Share ]

Contact: Michael Bernstein
m_bernstein@acs.org
202-872-6042
American Chemical Society

A new study suggests that dumping old or unneeded medications in the trash can may be the best way to reduce the environmental impact of the 200 million pounds of pharmaceuticals that go unused in the U.S. each year. The report, which weighs the emissions from flushing, incinerating or trashing drugs, appears in ACS' journal Environmental Science & Technology.

Stephen J. Skerlos and colleagues explain that to avoid the risks of abuse and accidental poisoning, as well as other problems that unused, unwanted or expired pharmaceuticals pose, they shouldn't be kept in homes. If thrown away or flushed down a toilet, however, antibiotics, hormones and other drugs can get into lakes, rivers and other water supplies, where they can affect humans and animals. Some places in the U.S. have recently started take-back programs, in which pharmacies collect unneeded drugs and incinerate them with other medical waste, but this burning and transportation produces greenhouse gases and other pollution. The authors wanted to assess the different disposal methods to see which might make the most sense for U.S. households.

Their evaluation shows that, on balance, trash disposal may be the best option in the U.S. Flushing unwanted drugs puts more drug compounds into the environment. Incineration of drugs taken back to a pharmacy could significantly reduce releases to the environment, but the authors note that take-back programs often have limited participation and could have major financial costs. A national program could cost $2 billion each year. A national participation rate of 50 percent in a take-back program, considered to be a high level of participation, would reduce releases of drugs by 93 percent, which is only five percent more than 100 percent participation in trash disposal. "Furthermore, since 60 percent of individuals in the U.S. already trash their unused pharmaceuticals, trash disposal is likely to accomplish faster removal of unused pharmaceuticals from households due to higher participation rates and greater convenience," the authors say.

###

The authors acknowledge funding from the University of Michigan's Graham Environmental Sustainability Institute (GESI) and the National Science Foundation.

The American Chemical Society is a nonprofit organization chartered by the U.S. Congress. With more than 164,000 members, ACS is the world's largest scientific society and a global leader in providing access to chemistry-related research through its multiple databases, peer-reviewed journals and scientific conferences. Its main offices are in Washington, D.C., and Columbus, Ohio.

To automatically receive news releases from the American Chemical Society contact newsroom@acs.org.


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


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