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Sunday, November 29, 2009

Unusual Driving Laws

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Unusual Driving Laws

The Weird And Wacky Of Road Laws

Posted: Nov, 29 2009

Some antiquated state driving laws are flat-out crazy. Got a housecoat? If you're a woman, it's illegal to wear one while driving in California. But what about modern rules of the road that seem very unusual and can still result in a hefty fine?

We've collated some of the more irregular and disputed road laws from around the nation and have included, at the end, some of the more bizarre contributions that have kept our roads the safest in the world. Ahem.

Driving too Slowly

In some states, including California, a dawdling motorist can be cited for driving too slowly. Police Officer Pete Kim of the California Highway Patrol says that while it's not common, you could get a ticket if, "you're blocking traffic or creating a road hazard on the freeway." He mentions a couple reasons why someone would drive that slowly. The car could be suffering engine trouble or the driver could be impaired, for example. Both will likely attract the attention of a police officer.

Drivers on city or rural roads are not exempt, says Police Officer Kim. He adds, "Just about anywhere, if you're in the middle of an intersection or on a regular two-lane street and the speed limit is 45 [mph] and you're doing 10 [mph] for no good reason, you can be cited for impeding traffic."

Slow driving laws are enforced in most states, including Florida, Nevada, Alaska and Hawaii, where tourists can be most at risk from the police scanner. You should also beware of rubbernecking accidents or police lights, which, while non-ticketable in most cases, doesn't particularly help traffic cops do their jobs.

Red-Light Running

Garland, Texas motorist Noel Hillis was ticketed by cameras earlier this month for running a red light. He told local station CBS11 that he crossed the stop line as the light was turning red, but that at his hearing the police officer gave him a different characterization of the stop line. The police officer says the stop line is a lateral line parallel to the curb of the cross street or, "ten feet farther out than where it actually starts." Texas law states that the violation line is at the stop line before the crosswalk.

The editor of road campaign site www.highwayrobbery.net, a businessman and activist who requested anonymity, tells AOL Autos, "The law, as I understand it, is that you're okay to proceed across the line if you can get any bit of your car ahead of the line. Typically the limit line is the first line you come to if there's a crosswalk -- which are sometimes surprisingly wide -- so the crosswalk can end up being 10 to 15 feet from the curbs of the crossing street. Somebody looked at the pictures and realized that cities were using an imaginary line, sometimes that of the curb, that you have to get part of your car over to not get a ticket, an extra 12-foot zone."

The governor of Texas has said he will sign a bill later this year to clear up confusion after scores of motorists' complaints concerning crossing of violation lines, which is usually a civil offense.

Animals and Cars

London couple Yisroel Singer, 26, and his wife Goldie, 25, say they were the victims of a "cultural misunderstanding" after they were arrested and held in New York several years ago. They had left their six-month-old daughter in the car while they went to Green Acres mall. They said nobody in Britain would condemn their actions, but under U.S. law, they faced a sentence of one year for child endangerment if they were found guilty. The case was eventually dropped.

Now it's illegal in many states to leave an animal alone in a car, and with good reason. The Animal Law Coalition points out that, even with the vehicle's windows left slightly open, an outside temperature of 85 degrees can cause a temperature of 102 degrees inside a vehicle within 10 minutes, and 120 degrees within half of an hour. As dogs breathe differently from humans, their central nervous systems can be overwhelmed in less than 15 minutes from excessive heat.

California Governor Arnold Schwarzenegger last year signed into law Bill SB1806, which bans owners from leaving animals unattended in a motor vehicle "under conditions that endanger the health or well being of an animal due to heat, cold, lack of adequate ventilation, or lack of food or water, or other circumstances that could reasonably be expected to cause suffering, disability, or death to the animal." First-time violators are fined $100, with a second offense garnering a possible six-month jail term.

Also remember, smoking with children of car-seat age in the car will draw you heat in Texas, Vermont, Washington, Arkansas and Louisiana among others. As of yet, there is no law about smoking with pets in the car.

Carpool Violations

Several states face the thorny issue of their carpool lanes moving too slowly. Some carpoolers have accused single-occupant hybrid drivers of soft-pedaling to save gas. But from California to the D.C. Beltway, it seems the sheer volume of cars using the carpool lanes has slowed the lanes enough to almost destroy the incentive of car-pooling or owning a hybrid car.

California is considering allowing motorists to exit and enter the carpool lane at will, when previously crossing the double yellow was an offense. The state transportation agency has warned against increasing the occupancy of carpool cars from two to three in Los Angeles, like it is in San Francisco.

Beware that buying an easily recognizable hybrid such as a Prius now does not mean automatic rights to use the carpool lane, at least in the Golden State. This is something police officers are well aware of given the recent shortage of available hybrid permits. The black market for scarce carpool lane exemptions has put up to a $5,000 premium on sales of used Prius that carry the exemption sticker.

The Ridiculous

An assortment of seemingly crazy state driving laws exists and can be found easily across the internet. Most of these examples are sourced from newspapers and come from the site DumbLaws.com, whose editors did not respond to a call for comment.

- In California, no vehicle without a driver may exceed 60 miles per hour.
- In Florida, if an elephant, goat or alligator is left tied to a parking meter, the parking fee has to be paid just as it would for a vehicle.
- In Montana, it is illegal to have a sheep in the cab of your truck without a chaperone.
- In Oregon, a door on a car may not be left open longer than necessary.
- In Tennessee, it is illegal shoot any game other than whales from a moving automobile.

- Good luck finding a whale in Tennessee!




Check out What's really in Glade, Windex and Pledge?

Click here: What's really in Glade, Windex and Pledge? SC Johnson will finally tell you -- DailyFinance


What's really in Glade, Windex and Pledge? SC Johnson will finally tell you

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Filed under: Wal-Mart Stores, Procter & Gamble

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The dirty little secrets of Glade, Pledge and Windex are all coming clean courtesy of venerable consumer products company SC Johnson. The Racine, Wis. outfit said last week it had launched a new website that lists the ingredients of more than 200 of its products. The WhatsInsideSCJohnson site represents the most significant disclosure to date of the ingredients found in household cleaning products.

Lack of disclosure has been a key complaint of green activists who have often alleged that many household cleaners contain toxic ingredients. Equally important, these environmental do-gooders have charged that some supposedly green products contain ingredients that are either unsafe or suspected of having strong health effects on people.

SC Johnson becomes the second major consumer products company to take this step. Clorox (CLX) actually began disclosing ingredients last year. The latest move puts huge pressure on Colgate-Palmolive (CL) and Procter-Gamble (PG) to make similar information available online to consumers.

Consumers can learn from the SC Johnson site, for example, that Pledge contains Disodium Ethanoldiglycinate, a compound used for cleaning hard surfaces and hard-to remove substances. The compound can be a skin, eye and nose irritant and is mildly toxic. Or that Windex contains Propylene Glycol, a controversial compound commonly used in glass cleaners but also in toothpaste and cosmetics. It is considered safe by the U.S. FDA and the World Health Organization. But environmentalists point to studies showing it can cause skin irritation as well as liver and kidney damage.

A Green Gun Pointed at Companies' Heads

All offer product lines specifically targeting the green market. And all will have to come clean, pronto. Call it the Wal-Mart Effect (WMT). The country's largest retailer announced July 15 it will institute a new policy requiring all of its product suppliers to calculate the environmental costs of their products. These costs will then be tabulated into an easy-to-understand green rating. Wal-Mart plans to post these ratings next to the price tags on products.

This policy change amounted to a green gun pointed at the head of consumer products companies that had, until now, refused to disclose ingredients. While Wal-Mart did not explicity say it would publish ingredients, such a disclosure would be an inevitable outcome of the green-rating process and a way to differentiate products.

Current U.S. laws do not mandate full transparency on ingredients of cleaning products. Manufacturers have long claimed that revealing ingredients would release key trade secrets and make it easy to ascertain chemical formulas for these products. Environmental groups have long claims that this exclusion for products that are used in so many homes has allowed cleaning and beauty products companies, in particular, to foist unhealthy products on unsuspecting Americans.

The SC Johnson site is certainly comprehensive. A search for Fantastik reveals two types of the cleaning product. A click on the "More Detail" tab reveals that Fantastik "Orange Action" contains two cleaning ingredients; alkyl polyglycoside and ethoxylated alcohol.

Up to Consumers to Do Their Research

The SC Johnson site does not address what health risks these two products might pose to users and their families. But it does give them the exact chemical names. This allows for specific research that can conducted either by individuals or advocacy groups. To be sure, such research remains difficult as the chemical names listed still do not give sufficient information into the exact formulation of the chemicals, something that can have a great impact on toxicity. But it establishes a baseline of disclosure and can allow consumers or researchers to begin to ask the right questions regarding the hazards around ingredients in cleaning and household products.

The move is designed to build trust bewteen SCJ and its customers. "Today's families want to know what's in the products they use in their homes," SCJ Chairman and Chief Executive Officer Fisk Johnson said in a press release. "For us, it's about living up to the trust our consumers put in us."

That could be a wise move in an era where a single tweet gone viral can ruin a brand's reputation in a matter of hours and create a permanent online trail of caustic comments.

SCJ lists not only cleaning agents but also dyes, chelators and pH adjusters. Two holes remain in the new policy. SCJ will list preservative and fragrance ingredients by January 2012. Aside from online availability, SCJ will allow consumers to access the new information via product labels and a toll-free number (800-558-5252), as well.

SCJ is one of the largest privately held companies in the country, with annual revenues of $8 billion and a lineup of highly recognizable brand names. The founding family still runs the company and it shows with bold moves like this. Even product companies catering specifically to the green market have not gone as far in terms of disclosure.

So one thing is for sure. The green bar for cleaning products has just been raised quite a bit higher. Let's see how long it takes for others to follow suit.


Alex Salkever is Senior Writer at AOL Daily Finance covering technology and greentech. Follow him on twitter @alexsalkever, read his articles, or email him at alex@dailyfinance.com.

Check out Hostess Gifts Under $50

Click here: Hostess Gifts Under $50

Hostess Gifts Under $50


in Holiday



You'll probably get invited to a few parties this holiday season. What will you bring for the hostess? Show her that you appreciate her hard work with one of these hostess gift ideas, all under $50!



Chances are, your hostess will host again. That is why candle sets make a wonderful hostess gift. She will be able to light or display your scented candle to set the appropriate mood for her guests at future parties and gatherings.

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Candles





You May Also Like These Candle Gift Sets
candle gift sets


If your hostess likes plants, then she'll appreciate a beautiful bonsai tree like this Golden Gate Bonsai.

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Bonsai Trees









You can hardly go wrong with a fondue set...especially a chocolate one! This chocolate fondue set is new from Godiva. Treat her to a chocolate treat she can use to unwind on her own time, or to enjoy with company.

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Chocolate Gifts







Digital Measuring Cup

This handy digital measuring cup weighs dry and liquid ingredients. She'll find it a perfect help for her holiday baking.

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Measuring Cups





wine gift basket

Wine is classy and a more traditional gift. But, you don't have to stop at just the bottle--why not bundle your gift with wine compliments like cheese and crackers? This wine basket includes those extras for a more unique touch.

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Wine Gifts





You May Also Like These Wine Gifts


Partini

Let the party begin with Partini! This board game is the perfect ice breaker. Just stir-in six players, add a splash of laughs, a double shot of silliness and you've got a fun 'happy hour' that will last all night!







You May Also Like These Party Games
party games


Personalized Family Tree Picture Frame

Whether she displays it on her desk or countertop, she will enjoy showcasing her family history using this distinct personalized family tree picture frame.

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Personalized Family Tree Picture Frame





You May Also Like These Digital Picture Frame Gifts

Luxury Spa Set

It takes a lot of effort to plan a party. Pamper her with this spa set. It includes floral stationary, luxury spa enhancements and "The Promise of Wisdom," a 350 page book of inspiring stories and sentiments.






You May Also Like These Relaxation Gifts
relaxation gifts
Pre de Provence 9 Soaps (from $13.20) | Decorative Holiday Mini Lanterns (from $9.99)



Just for the Holidays: Enter to Win 10 Surprise Giveaways! | Holiday Gift Ideas

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Check out Bargains, ease of online shopping boost 'Cyber Monday'

Click here: Bargains, ease of online shopping boost 'Cyber Monday' | The Columbus Dispatch

Bargains, ease of online shopping boost 'Cyber Monday'
Sunday, November 29, 2009 3:28 AM
THE COLUMBUS DISPATCH

Tomorrow isn't the biggest online shopping day of the year, but there is no doubt that "Cyber Monday" is the day when online shopping steps into the spotlight.

The day's reputation has grown along with shoppers' appetite for using a computer to buy something. It's considered the bookend to Black Friday, the mad-dash shopping spree that occurs the day after Thanksgiving.

The thinking goes like this: After being stoked by doorbuster specials all weekend, holiday shoppers are ready to spend once they sit down at their work computers on Monday.

Online retailers offer discounts on this day just as their bricks-and-mortar counterparts roll out deals on Black Friday.

The biggest online shopping day of the year? That title belongs to the last day on which merchandise can be shipped in time for Christmas, sometime after Dec. 5.

"Retailers just keep getting better and better at e-commerce," said Chris Boring, who leads the local retail-consulting firm Boulevard Strategies. "They've made significant improvement over the last five years.

"Falling technology prices, wider broadband availability, greater consumer awareness, better search engines, better payment methods -- all those things have contributed to the growth of 'e-tail.' "

And online sales are growing. Just consider Cyber Monday: Last year, it had online sales of $846 million, up from $733 million the year before and $608 million in 2006.

This time around, online sales could top $1 billion for the first time.

About 85 million online shoppers took part in Cyber Monday last year, a 16 percent jump from the previous year.

Big retailers in central Ohio have been gearing up their online efforts in recent years.

All have online retail sites, and they use the Web, along with social media, as a marketing tool to keep customers informed about upcoming sales and new merchandise in stores.

Most are planning some kind of special event for Cyber Monday, although few would offer specifics in hopes of building anticipation. They all know that online sales have become an increasingly important part of their business.

In its most recent earnings report, Abercrombie & Fitch said online sales grew 11 percent to $63.9 million during a time when overall sales fell 15 percent. Still, online business accounts for just less than a dime of every dollar of company sales.

"Even with our recent disappointing trend in clothing (sales), we are still one of the leading online clothing retailers in the world," said Sharen Jester Turney, CEO of Victoria's Secret. The company plans to update its Web site on Dec. 4 with new products that will appear in stores a week and a half later.

Many of shoe retailer DSW's store customers also buy online, said Michael McDonald, CEO of the locally based company.

"We view this (online) business as being very intertwined with our store business," he said.

The reasons for Cyber Monday's spectacular growth?

There's the sheer ease of shopping online, as well as the not-so-small matter of being able to avoid crowds and cut down on driving around town in pursuit of gifts.

Shoppers have come to rely so much on the Internet, in fact, that J.C. Penney recently announced that its 1,000-page "Big Book" is being discontinued. The Internet has made the semiannual fall/winter 2009 telephone-book-size catalog obsolete.

More than one in five -- 22 percent -- of consumers say they will shop primarily online this year. Many are using the Internet to find special offers, with 44 percent of shoppers expecting to use a coupon they obtained online, according to a survey by consulting firm Deloitte.

Some of the big deals expected Monday include free shipping, deep discounts and free gifts with purchases.

Victoria's Secret, for example, is offering free slippers with select sleepwear purchases, and free shipping on orders of $100 or more. DSW is offering free shipping with orders of $35 or more, and $20 off online purchases of $99 or more.

To find deals in one place and updated daily, shoppers can go to a Web site sponsored by the National Retail Federation's division, Shop.org, that is appropriately named CyberMonday.com.

"The Internet is a bargain-shopper's paradise," said Mason Wiley, senior vice president of marketing for online ad network Hydra. "There are tons of user-opinion sites and shopping sites. You could spend the whole day comparing and shopping. My wife does all our Christmas shopping in one day online."

The trend also is picking up speed because major retailers' Web sites have become increasingly sophisticated.

"Go to one of their Web sites on one day and visit it again the next day and see how they 'remember' you," Wiley said.

In the not-too-distant past, that kind of instant access to information about consumers discouraged many shoppers from going online.

"I think around five years ago, a lot of people were still very uncomfortable with shopping online," Wiley said. "But we don't see that as an issue anymore."

Meanwhile, data released yesterday showed that shoppers spent only slightly more in stores this Black Friday than they did last year.

Preliminary sales figures from ShopperTrak RCT Corp., a national research firm, show shoppers spent $10.66 billion when they hit the malls on the day after Thanksgiving -- only 0.5 percent more than last year.

Information from the Associated Press was included in this story.

tferan@dispatch.com

All "LIFEAFTERVC2008" sites have been updated as of 11-29-09!!

There are many new / exciting things to see!

Plus lots of Holiday stuff too :)

Check out Jobs & Birth Order - Careers Articles

Click here: Jobs & Birth Order - Careers Articles

Jobs & Birth Order

Filed under: Career AdvicePrint Article

Posted Aug 11th 2009 11:21AM

By Kate Lorenz, CareerBuilder.com Editor

All men may be created equal; but a look at their pay stubs will tell you that their incomes are not.

Blame it on social class, education -- even luck, but according to Dalton Conley, New York University professor of sociology and public policy, inequality begins at home. In his book 'The Pecking Order: Which Siblings Succeed and Why,' Conley says that 75 percent of the income inequality between individuals in the United States occurs between siblings in the same families. He points to the diverse fortunes of Bill and Roger Clinton, and Jimmy and Billy Carter as examples.

Research shows that first-borns (and onlys) lead the pack in terms of educational attainment, occupational prestige, income and net worth. Conversely middle children in large families tend to fare the worst. (Marcia! Marcia! Marcia!)

By Kate Lorenz, CareerBuilder.com Editor

All men may be created equal; but a look at their pay stubs will tell you that their incomes are not.

Blame it on social class, education -- even luck, but according to Dalton Conley, New York University professor of sociology and public policy, inequality begins at home. In his book 'The Pecking Order: Which Siblings Succeed and Why,' Conley says that 75 percent of the income inequality between individuals in the United States occurs between siblings in the same families. He points to the diverse fortunes of Bill and Roger Clinton, and Jimmy and Billy Carter as examples.

Research shows that first-borns (and onlys) lead the pack in terms of educational attainment, occupational prestige, income and net worth. Conversely middle children in large families tend to fare the worst. (Marcia! Marcia! Marcia!)

"A child's position in the family impacts his personality, his behavior, his learning and ultimately his earning power," states Michael Grose, author of 'Why First-Born Rule the World and Last-borns Want to Change It.' "Most people have an intuitive knowledge that birth order somehow has an impact on development, but they underestimate how far-reaching and just how significant that impact really is."

Conley concedes that birth order is significant in shaping individual success, but only for children of large families -- four or more siblings -- and in families where finances and parental time are constrained. (In wealthy families, like the Bushes and Kennedys, it has less effect.)

Here's a look at what impact your birth order may have on you:


First-Borns

More conscientious, ambitious and aggressive than their younger siblings, first-borns are over-represented at Harvard and Yale as well as disciplines requiring higher education such as medicine, engineering or law. Every astronaut to go into space has been either the oldest child in his or her family or the eldest boy. And throughout history -- even when large families were the norm -- more than half of all Nobel Prize winners and U.S. presidents have been first-born.

Famous eldest children include: Hillary Clinton, Bill Clinton, Richard Branson, J.K. Rowling and Winston Churchill. And macho movie stars are First-Born, too, including Clint Eastwood, John Wayne, Sylvester Stallone, Bruce Willis and all the actors who have played James Bond.


Middles

Middle children are more easy going and peer-oriented. Since they can get lost in the shuffle of their own families, they learn to build bridges to other sources of support and therefore tend to have excellent people skills. Middle children often take on the role of mediator and peacemaker.

Famous middle children include: Bill Gates, J.F.K., Madonna and Princess Diana.


Youngest

The youngest child tends to be the most creative and can be very charming -- even manipulative. Because they often identify with the underdog, they tend to champion egalitarian causes. (Youngest siblings were the earliest backers of the Protestant Reformation and the Enlightenment.)

Successful in journalism, advertising, sales and the arts.

Famous youngest children include: Cameron Diaz, Jim Carrey, Drew Carey, Rosie O'Donnell, Eddie Murphy and Billy Crystal.


Only Children

Only children have similar characteristics to first-borns and are frequently burdened with high parental expectations. Research shows they are more confident, articulate and likely to use their imagination than other children. They also expect a lot from others, hate criticism, can be inflexible and are likely to be perfectionists.

Famous only children include: Rudy Guiliani, Franklin Delano Roosevelt, Alan Greenspan, Tiger Woods, tennis' teen queen Maria Sharapova and Leonardo Da Vinci.


Twins

Because they hold equal status and are treated so similarly, twins turn out similarly in most cases.

Famous twins include: advice columnists "Dear Abby" and "Ann Landers" (Abigail and Esther Friedman), and Harold and Bernard Shapiro, who became presidents of Princeton University and Canada's McGill University respectively.


Dr. Frank Sulloway, a behavioral scientist and visiting professor at the Institute of Personality and Social Research at University of California, Berkeley and author of the book, 'Born To Rebel: Birth Order, Family Dynamics and Creative Lives,' says first-borns are more similar in personality to first-borns in other families than they are to their own younger siblings. He adds that youngest children are often more similar to the youngest child in another family than his or her own elder siblings. He says this is because the family is not as much a "shared environment" as a set of niches that provide siblings with different outlooks.

Conley agrees, but stresses that these are just general trends -- and that the whole birth-order theory can be turned on its head depending on the child's personality, the age gap between siblings and the family circumstances each child experiences during his or her formative years.

Still on the job market? Get a job faster...

Click here: What's 'In' and 'Out' on the Job Hunt - Careers Articles

Filed under: Job Searching Tips, Employment TrendsPrint Article

Posted Apr 23rd 2009 4:08PM

by 'The Creative Group'

job huntMonogrammed stationery.

A Rolodex filled with business cards.

The Sunday want ads.

These job search tools have all gone the way of the dodo. But are you still using tactics that are similarly slated for extinction?

Like all trends, those that define the job search change over time -- sometimes often, and sometimes dramatically. To give yourself the best possible chance of landing a new position, you need to use the most up-to-date approaches. And if you haven't launched a job hunt in several years, you could be behind the times.

Here are some job search tactics that are "in" and "out":


Out:
Blanketing local employers with a résumé and cover letter addressed "To whom it may concern."
In:
Researching prospective employers and applying to companies where your skills and interests match their needs. In a competitive job market, a generic résumé won't grab a hiring manager's attention. The best applications are highly targeted to the opportunity. That means not only researching the appropriate contact so you can address the hiring manager by name but also detailing how your skills and experience can meet the potential employer's exact needs.
Out:
Stilted language in application materials (e.g., "Please find my résumé attached in response to the job posting ...").
In:
More natural prose that provides a sense of your personality. Soft skills are more important than ever, and employers want to get a sense of your personality to ensure you will mesh well with existing staff members. So use your résumé and cover letter as a way to show the hiring manager who you are. But keep in mind that these documents should still remain professional -- you can get your personality across without resorting to shorthand, slang or "text speak."
Out:
Using unusual résumé formats to hide employment gaps.
In:
Filling potential gaps through volunteer or temporary work. Some job seekers have used functional résumés to downplay gaps in their work history. But this format -- in which the person's skills are listed at the top of the document, and the work history is truncated or omitted entirely -- could raise red flags by making it seem like you have something to hide. Today's hiring managers realize that many talented people are out of work right now through no fault of their own, so don't feel like you need to hide a recent period of unemployment. Instead, demonstrate that you've remained professionally engaged while searching for a new position by taking on volunteer or temporary work.
Out:
Overly detailed résumés.
In:
Streamlined résumés that list relevant accomplishments. Hiring managers don't have much time to devote to your résumé, so you need to make a positive impression right away. The best way to do so is to cut out unnecessary information from your document -- for example, accomplishments from a job you held two decades ago, the clubs you belonged to in college (unless you're a recent graduate) or that your references are available upon request. Focus on the skills you have that match the employer's requirements and, in particular, bottom-line contributions you've made in previous roles.
Out:
A narrow focus in your job search.
In:
A broad view of how your skills might be useful in various roles. In today's job market, you may need to be creative to land a new position. Think about the skills you possess and how they could be applied in new ways or in an entirely new position or field. For example, your experience spearheading a product launch could position you for a role as a project manager.
Out:
Networking occasionally.
In:
Networking constantly using tools such as LinkedIn, Facebook and Twitter, as well as in person. The best way to find a job remains through word of mouth. And, in the recession, a lead or referral from a contact can give you the edge you need to land a new position. Online networking websites make it easy for you to keep in touch with members of your network, but keep in mind that face-to-face interaction is still important. Offer to treat people to coffee on occasion to catch up and talk about your search.
Out:
A set reference list.
In:
A customized reference list for each opportunity. Like your résumé and cover letter, your reference list should be fluid and targeted to the opportunity. When providing this information to a prospective employer, think of who can speak best about your most relevant skills for that position, not who has the most impressive job title. For example, if you are interviewing for a management position, have the hiring manager reach out to individuals you've supervised in the past.
Out:
Ending the interview by asking when they'll be contacting you.
In:
Ending the interview by asking for the job on a trial basis. It never hurts to be proactive. If you feel the employment interview has gone well, don't be afraid to ask if you can prove yourself on a temporary basis. You'll demonstrate your enthusiasm for the job and desire to hit the ground running.

The fundamentals of the job search -- reaching out to employers and making a positive impression -- haven't changed. But the tools for doing so are different today than even just a few years ago. Make sure you understand the current trends to maximize your success on the job hunt.

Check out 6 Signs Your Identity May Have Been Stolen - WalletPop

Click here: 6 Signs Your Identity May Have Been Stolen - WalletPop

6 Signs Your Identity May Have Been Stolen

By Mitch Lipka, Consumer Ally
,
AOL
posted: 30 DAYS 23 HOURS AGO
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No matter who you are or what measures you take to protect yourself, there's always a chance your identity could be stolen. Just ask Federal Reserve chairman, Ben Bernanke, who was a victim last summer. Thieves can get your information by grabbing your wallet, taking your mail or, more impersonally, by extracting millions of credit card numbers at a time from stores at which you might have shopped.
Jaimee Napp
Jaimee Napp
Up to nine million people a year fall victim to identity theft, according to the Federal Trade Commission. More than two-thirds of all victims have no idea where the thieves got their information, according to a recent survey of victims by the Identity Theft Assistance Center. Jaimee Napp vividly remembers the day she learned her identity had been stolen. She received a message from a credit card company whose card she had canceled a couple of months earlier. Assuming they had botched the process of closing the account, she called back.
"They said that the records they had and the new application I submitted last week didn't match," Napp recalled. "I said I didn't file an application. As soon as I said that I knew something wasn't right."
Then the credit card company asked her whether she had opened several other accounts recently. She hadn't. Napp immediately got copies of her credit reports in order to find out how much damage had already been done.
"You just really start to panic because you don't know the full extent of what has happened," Napp said.
In some ways, Napp was lucky. Not everyone gets a phone call alerting them that someone is using their credit. Often victims find out that someone has infiltrated their personal information after thousands of dollars in charges have already been incurred.
To help you catch identity thieves early, here are six warning signs that someone has hijacked your name and credit:
· Unexplained charges appear on your credit card
· Bills that you regularly receive stop arriving in the mail
· Accounts are opened in your name that you didn't open
· Information on your credit report doesn't make sense
· Credit cards arrive that you did not sign up for
· You get denied credit -- or receive particularly poor terms -- for no apparent reason
Some of these red flags offer earlier warnings than others. It can take a while, for instance, to notice that a bill hasn't arrived in a while -- and that a crook may have changed the billing address on your credit card so you won't notice any mystery charges right away. Most credit cards allow consumers to view their accounts online throughout the billing period -- allowing a far faster detection of unexpected charges.
woman with face masks
Getty Images|AOL
As a matter of course, you should also regularly check your credit report, which you can obtain for free from www.annualcreditreport.com -- a site sponsored by the three major credit reporting agencies: Experian, TransUnion and Equifax. You can receive one free report from each of these agencies once a year. By checking your report once every four months, you can more readily detect any unusual activity or abuses of your credit. The reports will also alert you if any accounts have been opened in your name.
Napp aggressively used this type of information to advocate for herself and limit further damage. Unlike most identity theft cases, police managed to arrest the woman -- a manager at a former place of employment -- who stole detailed information from Napp's personnel file and assumed her identity.
As executive director of Nebraska's Identity Theft Action Council, Napp now works to help protect others from identity theft. Her first piece of advice: Don't make it easy for criminals to steal your information. Only mail letters at the post office or U.S. Postal Service mailboxes, rather than leaving them in your own box to be picked up, she says. Also, limit the contents in your wallet to only the necessities.
"A lot of people carry too much personal information in their wallets – like their Social Security card," Napp said.
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2009-10-16 14:26:12

Check out Tips detail safeguards to combat ID theft | The Columbus Dispatch

Click here: Tips detail safeguards to combat ID theft | The Columbus Dispatch

Tips detail safeguards to combat ID theft
Tuesday, October 20, 2009 3:13 AM
THE COLUMBUS DISPATCH
More than 8,000 Ohioans last year became the victims of identity theft, a crime that's still sweeping the nation.

"It's the fastest-growing crime in the United States, and

10 million people in the United States were affected last year," said Ohio Attorney General Richard Cordray.

To mark National Protect Your Identity Week, which runs through Friday, he and other experts held a news conference to warn Ohioans of the dangers of identity theft and offer tips on how to avoid it and what to do if it happens.

State residents filed 8,237 identity-theft complaints with the Federal Trade Commission in 2008, up from 7,178 in 2007 and 6,878 in 2006.

"It's on the rise," said Cpl. Zach Scott of the Franklin County sheriff's office. "And when they get someone's (credit-card) information, what they do is start hitting them as fast as possible."

Thieves most often steal credit-card information to make fraudulent purchases. In more extreme cases, they're able to steal enough information to open accounts or even take out loans and mortgages in another person's name.

"People don't realize how valuable their Social Security numbers and bank-account numbers are," Cordray said. "And recovery from identity theft can take months or years."

To make that process easier, the attorney general's office now offers an Identity Theft Repair Kit, a step-by-step guide on what to do after personal or financial information has been pilfered.

It includes information on filing a police report, closing accounts, placing a fraud alert on credit files and how to apply for PASSPORT, which provides proof to law-enforcement officials and creditors that an identity has been stolen.

"When you go to purchase a car and get a loan, they will understand you were the victim of identity theft and the score that comes up isn't your true credit score," Cordray said.

Another key to preventing identity theft is keeping an eye on your credit reports, said Michael Kappas, chief executive of Consumer Credit Counseling Service. Reports should be monitored to make sure mistaken or fraudulent activity is addressed right away.

Sometimes ID theft occurs in the course of doing business. The best way to prevent problems is to interact with trustworthy companies. When dealing with an unfamiliar firm, check it out first on the Better Business Bureau's Web site, said Kip Morse, president of the central Ohio Better Business Bureau.

"If the Better Business Bureau doesn't know anything about them, that's a red flag," he said.

swartenberg@dispatch.com


Identity theft

Avoid being a victim

• Carry only the credit cards you need. Keep your Social Security card at home in a safe place.

• Don't give out personal information unless you initiate the contact.

• When doing business online, make sure the site is secure and your antivirus firewall and other personal-computer security applications are up to date.

• Shred all documents that include personal and financial information.

• Keep copies of your credit cards -- front and back -- in a safe place so you will be able to call the provider if they are stolen.

• Check your credit history at least once a year using www.AnnualCreditReport.com or call 1-877-322-8228.

• Review all your medical, bank and credit-card statements on a regular basis and notify the provider of any discrepancies.

Resources

• For more information on identity theft or if you think you may be a victim, call the Ohio attorney general's identity-theft hot line at 1-888-MY-ID-4-ME (1-888-694-3463).

• For the attorney general's new Identity Theft Repair Kit, go to www.OhioAttorneyGeneral.gov/IDTheftRepairKit

• For more information on how to secure and repair your credit, go to: www.apprisen.com

• For additional tips on how to recover from identity theft, go to www.sheriff.franklin.oh.us

• To research a business rating, go to www.bbb.org

Source: Ohio attorney general




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Check out Online tool helps sort, decipher medical bills

Click here: Online tool helps sort, decipher medical bills The Columbus Dispatch

Online tool helps sort, decipher medical bills
Three area insurers take part in Quicken Health program
Saturday, November 28, 2009 3:14 AM
By Suzanne Hoholik
THE COLUMBUS DISPATCH

This scenario might sound familiar: You open your mailbox to find a letter from your health insurer, a doctor or the hospital.

Instead of opening it, you toss it on the pile of mail that can be dealt with later.
"A medical bill is not one of the things you want to open first," said Elaine Christen, an Ashtabula resident. "I may not open it for three to four days, maybe a week."
Unless you know your health insurance inside and out, she said, medical bills can be confusing and intimidating.

But an online program through Medical Mutual of Ohio helps Christen organize her bills, understand how much she owes and for what service, know what to do if there's a billing error and pay doctors and hospitals on time.

"I love that it breaks it down to the dollar on very specific things," said Christen, 56, who has used the program for a few months.

"It seems in the other paperwork, it would say 'lab' and have the amounts," with no explanation.
The free program is called Quicken Health and was created by Intuit, the same company that developed TurboTax. It's currently available to Medical Mutual, Cigna and UnitedHealthcare customers.

UnitedHealthcare has more than 281,000 members in central Ohio and insures one in three people in the state.

Intuit developed the program to help people deal with piles of medical bills.

"They are really befuddled by the amount of pieces of paper and what they're supposed to be paying attention to," said Stefanie Fenton, a director with the Quicken Health group.
Her company surveyed Ohio residents and found that 60 percent said they don't understand their medical bills.

It works like this: Your doctor bills your insurance company, which processes that claim in its computer system. Quicken Health takes that information, brings it into its system and notifies you by e-mail.

Medical codes and jargon are translated into plain English, and the software explains how much your physician charged, what the insurer paid and what you owe. You can pay your bill online with a credit card.

If your doctor has signed up for the program, he or she will be paid electronically. Otherwise, Quicken Health sends a check.

The company makes money through credit-card transaction fees, Fenton said.
The program lets you keep track of past bills, your deductible and co-insurances paid for you and your dependants. And if you are billed for something that doesn't look familiar or you think there's an error, you get advice on what to do.

"It will tell you who to call and what to say," said Bob Mau, vice president of eBusiness and security at Medical Mutual, which has 175,000 customers in central Ohio.
"For example, in most cases, the doctor is responsible for pre-certification and (Quicken Health) will say: Call your doctor and say this."

You'll still receive paper bills from your doctor, laboratories and hospitals, but this program lets you manage them all in one place.

"I have less of an aversion to going online, and you're not concerned about losing a piece of paper," Christen said.

To see a demonstration of the program, go to www.quickenhealth.com

Check out Cyber-Criminals Want Your Information | NBC4i.com

Click here: Cyber-Criminals Want Your Information NBC4i.com



12 Schemes Of ChristmasAccording to Consumer Reports' 2009 State of the Net Survey, cyber criminals can take a lot more from you.
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NBC 4
NBC 4 has the fast facts on the information cyber-criminals want, how they get it and what to do if you’re victimized this holiday season.
By Ana Jackson Reporter Published: November 27, 2009 Updated: November 28, 2009
» 1 Comment Post a Comment
CENTRAL OHIO—As you’re trying to purchase gifts for your family and friends, cyber-criminals are trying to steal your personal information.
NBC 4 reported with the FAST FACTS.
Cyber-criminals have stolen $8 billion from consumers in the past year, according to Consumer Reports’ 2009 State of the Net survey.
Cyber-crimes spike during the holidays but are difficult to solve because it’s hard to prove, beyond a reasonable doubt, who the suspects are, CPD sergeant Dennis Kline said.
“You don’t have a witness that can identify a suspect. You don’t have fingerprints you can submit to identify the person,“ Kline said.
The best way to protect yourself is to be aware of the cyber-schemes.
There are 12 holiday schemes you should be watching for, according to McAfee, a company that specializes in online security.
NBC 4 has highlighted a few of the surprising scams here. Click here to read the rest.
1. Watch out for fake invoices that look like they’re from real delivery services such as FedEx or UPS. Cyber-criminals send them asking for credit-card details before you can receive a package that you’ll never get.
2. Beware of sites that offer discounted luxury gifts. McAfee said cyber-criminals post fake Better Business Bureau logos on the malware-ridden sites to get you to enter your personal information. Malware is short for malicious software. Malware is software designed to infiltrate or damage a computer system without the owner’s informed consent.
3. Be careful when searching for holiday ringtones or wallpaper. Some sites will infect your computer with spyware. Spyware is a type of malware that is installed on computers and collects information about users without their knowledge. The presence of spyware is typically hidden from the user.
If you think you’ve become a victim of a cyber-crime, Kline said you should file a police report, cancel your credit or debit cards and get new ones and keep an eye on you credit reports.
For additional information, stay with nbc4i.com and NBC 4 and refresh nbc4i.com—Where Accuracy Matters.To submit a story idea or news tip, e-mail us at




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Cat Helps Lead to Child Abuser's Conviction

Thanks to Milda for this information!

Care2 subscriber since Feb 9, 2009


Help Unmask the Link Between Domestic and Animal Abuse >>
Hi friend,

When 9-year-old Beth* was sexually abused by her stepfather, she told the prosecuting attorney that someone else knew about it -- but that he couldn't talk. She was referring to her beloved cat, Oreo.

In trying to protect her, the loyal cat also became another victim of violence; Beth's stepfather would always brutally kick Oreo away from the door.

Beth's revelation gave the prosecutor an idea. She decided to have Oreo examined by a veterinarian. Sure enough, poor Oreo had sustained injuries consistent with being physically abused.

Help empower victims like Beth and Oreo. Donate today >>

When the prosecutor submitted the veterinarian’s report to the jury as evidence showing a pattern of violence in the home, Beth's allegations gained credibility. In a way, Oreo was able to testify, convincing the jury that the traumatized girl had been telling the truth.

Do your part to bring cases of family violence and animal abuse to justice.
Please donate >>

American Humane regularly conducts trainings for attorneys, judges, veterinarians, social workers, domestic-violence counselors and other social services providers on what American Humane calls The Link®. By unmasking the connection between violence to people and violence to animals, we will increase awareness of the powerful role it can play in preventing abuse.

Thanks to The Link, Beth's stepfather was convicted and received a long prison sentence. Meanwhile, Beth and Oreo were finally able to experience what every child and animal deserves: a safe home.

Please help American Humane continue to educate others about The Link and stop the cycle of violence affecting innocent people and animals alike. Donate today >>

Thank you,Robyn E.Care2 and ThePetitionSite Team

* This is a true story. However, the child’s name has been changed to protect her privacy.

Check out Christmas Tree Safety: Pet Proof Your Tree





Christmas Tree Safety: Pet Proof Your Tree



As beautiful as a Christmas tree is to look at, it is also a magnet for pets. Whether they are climbing it, toppling it, or attempting to eat it, pets love Christmas trees. Live or artificial, you are going to need a plan for protecting your tree from the wild animals who inhabit your home. Here are some simple tips for pet-proofing your Christmas tree this year.


Avoid tinsel. Cats find it delicious and fun to chew, but it can cause serious damage to their digestive systems.


That pan of water that is keeping your tree from drying out can be very attractive to thirsty pets. But that sticky water can also make them very sick. Discourage drinking by cutting a piece of screen or other sturdy mesh fabric to fit and duct tape it over the pan. This will keep little tongues out while still allowing you to replenish the water supply.


Cats love to bat balls around -- especially bright, shiny ones that are attached to a Christmas tree. Prevent breakage and possible injury by decorating your tree with plastic or wooden ornaments.


That little metal stand that is holding your tree in the vertical position is no match for a rowdy pet with a running start. Get rid of it and invest in a large, sturdy tree stand. For extra protection, attach a string of fishing line from the top of the tree to a small hook in the ceiling.
Puppies like to chew on things and those lower limbs of your Christmas tree may prove irresistible even to the most well-behaved little dog. Surrounding your tree with a baby pen might not be the most attractive solution, but is surely the safest. Otherwise, don't allow your puppy to be alone in the same room as the Christmas tree.
To discourage chewing on your light cords, spray them with bitter apple. Unplug the lights when not in use.


Clean up fallen needles regularly. Some dogs will eat just about anything and these sharp pine needles can cause internal injuries if ingested.


Don't decorate with edible ornaments. If it smells like food, a determined pet will find a way to reach it.

Check out 10 Annoying Phrases That Serve No Purpose - Asylum.com

Click here: 10 Annoying Phrases That Serve No Purpose - Asylum.com

Nov 18th 2009 By Jeremy Taylor
10 Annoying Phrases That Serve No Purpose
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899 CommentsContrarian academic Stanley Fish recently had a post on his NY Times blog discussing what phrases he finds most annoying. We couldn't help but notice the majority of the phrases Fish called out -- such as "Can I put you on hold," "Sold out" and "To be continued" -- while annoying, do serve their purpose in society. We're more interested in a different class of horrible phrases. The ones which are as unnecessary as they are insufferable. Not only do statements like "no offense" and "whatever" grate on the ear, they don't transmit any kind of information, which last we checked was the basic purpose of language. We've listed 10 of these maddeningly superfluous additions to the English lexicon, and encourage you to use the comment section to get your revenge on any pointless phrase that makes you cringe.

10. It is what it isThis newcomer is the epitome of an ear-grating phrase that means nothing.

9. It's all goodThe inclusion of "all" only accentuates how much you don't mean what you are saying.

8. To be honestNot only is this phrase usually followed by something best left unsaid, but it also implies everything else you say is dishonest.

7. No offenseA phrase even more insincere than it is superfluous.

6. WhateverIn a recent survey, 47 percent of Americans chose this word compound as the most annoying phrase of all. Meaning you have permission to smack anyone who uses it and isn't a 12-year-old girl. (And it's a close call on smacking any 12-year-old girl who uses the "w" word.)

5. Don't get me wrongIsn't it implicit in most human communication that your intention is always to be correctly understood?

4. With all due respectReally?

3. Everything happens for a reasonA completely worthless utterance that probably doubles as a vicious taunt to those who have undergone terrible hardships.

2. At the end of the dayAt the end of the day, you will be preparing for bed. (With apologizes to John Maynard Keynes.)

1. Going forwardSaying this is like announcing your next footstep.