Detection of Red Flags specific to your business.Your Alternatives. This means identity theft victims may be entitled to recover damages as a result of a non-compliant violation at your business - with class action surely to follow. In other words, if your business conducts 1,000 non-compliant transactions over the course of a year, the FTC could fine you $3. If you invest in making sure your operation is Red Flags Rule compliant, and can prove it, you invoke the most effective legal defense available should you unwittingly sell a product or service to an identity thief.You've worked for years trying to make your retail business a success, but the letter you just opened from an attorney threatens to wipe out everything you've worked for. As discussed in the previous section, simply verifying identity information is only a small piece of the compliance puzzle and still leaves your business exposed to civil and federal liability. Good luck trying to figure it all out.Your Policy must also include a number of other required procedures such as compliant handling of Notice of Address Discrepancies, fraud alerts, rules for credit card issuers, plus many more. A few of the questions might be:• "What was your previous area code?"• "Here are four addresses.• Health Care Providers - hospitals, physicians, medical clinics, chiropractors, and assisted living facilities.2.• Response to detected Red Flags. Your business must have in place procedures to both verify the identifying information presented by an individual opening an account, and also to authenticate the actual identity of the individual presenting the identifying information at your place of business.S.5 million.

If you are so designated by the federal government to scan that list and don't comply by reporting "hits" to Homeland Security, you could end up in federal prison with a new bunkmate named "Bubba"… plus Automotive Accessories Mould Manufacturers a fine in the millions! In fact, the feds have already dropped an $80 million fine on a bank for non-compliance with this law.• Educational Institutions - universities, colleges, technology institutes, junior colleges, community colleges, and vocational colleges.• Financial Institutions - banks, credit unions, savings association, mortgage lenders/brokers, and finance companies.But it doesn't stop there. The attorney represents a victim of identity theft and is claiming you have violated something called The Red Flags Rule by selling a "covered" product to an individual who had stolen his client's identity. Your Policy must include these four elements in addition to several other directives in procedures:• Identification of Red Flags specific to your type of operation.However, amid all of this compliance misery, there are a few compliance providers available that offer full compliance services at an affordable price, and this may be your best bet.Some designated businesses even choose to retain attorneys charging $5,000 - $20,000 to research and develop their compliance Policy and Training solutions. All of this is code for, "Lawyers just love this law!" Although the monetary losses can be measured, what is not known is the damage to your reputation since you may also be required to contact every one of your credit customers to alert them of a possible identity breach at your place of business (FTC Safeguards Rule). Instead, you must search national, state, and federal data bases to verify such items as the Social Security Number issue date, does the individual's DOB match the SSN date, the name of the person assigned to the SSN, is SSN assigned to a dead person… well, you get the picture. Your Policy, and Training for that matter, must be relative and appropriate to the compliance requirements specific to your type of industry, i.Here's the catch.The original mandatory compliance date was November 1, 2008, but after investigating the compliance progress of businesses affected by the law, the FTC realized millions of designated businesses were unaware of their required compliance. To verify the identifying information presented to you by an individual opening a new covered account, you cannot use information contained on a credit report or even information generally available from a wallet.

You should also be aware of compliance providers who wish to sell you a written Red Flags Rule Policy Template and passing it off as "one-size-fits-all".First, the Rules have nothing to do with whether or not your operation uses credit reports, and even if your only offering of credit is to send a customer's credit report to a third party lender, you must comply.Regardless of how you become compliant, you cannot afford to ignore this law since you have no way of knowing if you are selling a product to an identity thief.• Utility Companies - cities, municipalities, power, heating oil, water, telephone, and cellular companies. Now's the time to make your operation Red Flags Rule compliant and get it behind you. Compliance requirements courtesy of your federal government. Without quoting the entire definition from the Final Rules,here's the simple version: If any product or service you sell is not paid in full at the time of purchase, you must comply by November 1, 2009.. Again, just one non-compliant transaction to the wrong person has the potential to wipe out your business. The words "civil" and "class action" leap from the letter, in addition to "possible fines from the Federal Trade Commission". They are well aware that such due diligence on your part creates what is termed, "safe harbor" status, meaning probable immunity from prosecution for non-compliance.3. These questions should be framed in such a manner that only the individual in question can answer, and in a timely manner. And by the way, "formal Red Flags Rule Training" does not mean just letting your employees read a copy of your Policy. However, the government does give you a "get-out-of-jail-free" card. In an unprecedented display of mercy, they begrudgingly pushed the mandatory compliance date forward, first to May 1, 2009, and now to November 1, 2009.First, beware of companies, usually credit reporting services, leading you to believe you will be compliant by just subscribing to their Identity Scan service. But more importantly, be able to prove it in case of an inadvertent violation. Your employees should be trained at least yearly, and of course, newly hired staff must be trained immediately. You must develop and implement a formal, written Red Flags Rule Policy specifically for your type of business.And while we're at it, let's go ahead and throw in another law many designated businesses ignore, or have no knowledge of their required compliance - the Federal Treasury's OFAC (U.What Is A "Red Flag"?A "red flag" is a pattern, practice, or specific activity as spelled out within the Rule which indicates the possible existence of identity theft.Please Note: If your business accepts credit cards as its only credit method, you need not comply., retail, utility, financial, transportation, medical, etc. Think of compliance performance in terms of a vampire confronted by a cross, because that's the way attorneys react when confronted with proof of compliance performance.So, if you are now having trouble breathing and find yourself being pulled toward a bright, celestial light, that's good; that means you get it before it's too late.After all, your business only arranged the financing for the alleged identity thief through an outside lender, so surely a victim of identity theft can't really sue the owner of a retail business - or can they?As identity theft continues to spiral upward unchecked, the federal government's Red Flag Rules were framed for designated businesses and institutions to be at the forefront to protect United States citizens.

That source is always available, but what about the identity verification searches? Very few attorneys have the answer for that requirement except to instruct you to perform the searches required for compliance, and yes, figure a minimum of another 30 minutes added to the time of your sale if you search all the sources yourself.The Rule also includes provisions for civil liability. Provide formal Red Flags Rule Training for all relevant employees. Patriot Act) list of suspected terrorists, drug dealers and money launderers.e.Who Has To Comply With The Red Flag Rules… And Why.What Do I Have To Do To Become Red Flags Rule Compliant?If you possess a lot of time, patience, and a strong will to live, then Google, "Final Red Flags Rule", where you will find all of your compliance requirements sprinkled about its 59 pages of federal law. This in itself should signal how serious the FTC takes this law as they have issued "fair warning" of their intent to roll out thousands of agents for what they term "rolling enforcement" to ensure compliance. But believe it or not, the FTC may be the least of your worries.So there you have it.Fines for non-compliance range from $3,500-$11,000 per occurrence and may be retroactive. After November 1, identity theft victims will indeed have the right to pursue civil actions against a non-compliant business or institution.After muddling through the required data searches to verify the identifying information presented by an individual, how can you possibly know that the individual presenting the information is actually who they represent themselves to be? That's right, now you need to deploy a process to authenticate the actual identity of that individual physically inside your place of business.For those of us existing in the real world, here's what you have to do:1. Which one is an address previously associated with you?"• "What county issued your Social Security Number?"The Red Flags Rule establishes no standard for pass/fail, but your operation must not open a covered account for an individual until you have established a "reasonable belief" that individuals are indeed who they represent themselves to be.• Provisions for updating your Red Flags Rule Policy.The Required ID Verification And Authentication Process.The litmus test applied by the federal government for designated compliance revolves around the Rule's own definition of a "creditor". Let's get back to your required Red Flags ID verification and authenticating process. But I digress. Without this important identity authentication, you may doing nothing more than verifying stolen information presented to you by an identity thief that is actually standing in front of you!According to the Red Flag Rules, you should create several "Challenge Questions" formulated from all of the data searches you performed to verify the identity information. Some may require you to purchase additional hardware or software, but there are a couple that are totally web-based and provide turn-key compliance solutions.• Transportation Dealers - new and used vehicle, motorcycle, watercraft, RV, and ATV dealers.So the message here is to get your operation compliant, and quickly; that celestial light you feel drawing you nearer is actually the fast approaching deadline of November 1. Consequently, the date of November 1, 2009, will change retail business as we know it since that is the mandatory compliance date for the estimated 11 million businesses and institutions which must comply with the FTC's Red Flags Rule. In other words, plan on your Policy to be anywhere from 6-8 typewritten pages.This broad and encompassing definition designates many businesses traditionally not regarded as a "creditor" such as:• Retail Businesses - furniture, appliance, jewelry, electronics, cell phone, department, and "big box" stores.Red Flags Rule Disaster Scenario. Searching those same data bases, you must also verify their address, the name assigned to the address, all previous addresses associated with the individual, DOB, telephone number, the address the telephone number is assigned to, and so on

What is Cavity Wall Insulation?Most modern homes consist of both inner and outer walls set with a small gap of a few inches between them.With fuel prices rising and the UK public becoming increasingly concerned for the environment people are looking for ways to heat their home more efficiently. Latest statistics suggest that cavity wall insulation can reduce heating bills by as much as 15 per cent so over time it will eventually pay for itself. How much does it cost?

There are many companies that specialise in the installation of cavity wall insulation. Not only will heating bills be reduced but research has shown that installing cavity wall insulation in a property can significantly increase its value.. If you live in the UK you may not have to pay the full cost of its installation. The purpose of this gap is to provide extra protection against outside elements particularly damp. Studies show that as much as a third of a home's heat is lost through its walls.

One way to improve the energy efficiency of your home is by installing cavity wall insulation. For homeowners the main reason for having cavity wall insulation is that it can result in a significant reduction in heating bills.What are the benefits?Installing cavity wall insulation in your home brings with it a number of benefits. Although installing it isn't cheap in the long run it can prove to be a cost effective decision. Cavity wall insulation grants are available to all UK homeowners as part of the governments Carbon Emissions Reduction Target (CERT).

The insulation retains the purpose of the cavity wall whilst having the further benefit of helping to keep the home warm all year round. The cavity between the walls gives an outlet for moisture to sink back into the ground and so protecting the inner areas of the China Motorcycle Accessories Mould Factory home from mould and damp. Cavity wall insulation will reduce the amount of warmth that escapes through the walls of the property meaning less energy is needed to heat the home and so utility bills will be lower. Cavity wall insulation means filling this gap with a type of insulating material

In a world where everyone is looking to make a quick buck, you will find yourself in debt as an author if you shortchange the customers of your book..Before you publish your book and start selling it, give copies to a few friends that do not know a thing about the topic. If necessary, do some editing to make sure these questions get answered before you make the book available for sale to the public.This practice applies to other products and/or services as well. On the other hand, if I am looking to buy a book about advanced engineering mathematics and reviewers gave the book bad reviews because the book only included high school algebra, I would decline to buy it and would assume the negative reviews were deserved.

They will justifiably give you bad reviews assuring that others do not become victims of deceitful marketing.In writing "How To. Ask them to read it and let you know if they have questions that were not answered in the book, but should have been. If your book is marketed as a book that will teach them how to do something, make sure it does. Readers of this type of book are not happy when they pay good money for your book and find that after they have read it, they still do not have a clue about how to use the information to make money. That is, if the negative reviews come from readers that were advanced practitioners of the subject, and their negative reviews are owing to the fact that they Motorcycle Accessories Molding Factory got nothing out of a book intended for beginners, I cannot fault the book or the author." book or any book selling information, do not make the mistake of leaving your readers with more questions after reading your book than they had before starting it.As a consumer myself, I always look at what other readers have to say about a book before I purchase it..

If it does not and you proceed to sell it, sales will be brief and your customers will speak their mind. Give your readers everything they expect and more, and they will give you good reviews that will lead to even more sales. In fact, I have found that packaging these days is usually more durable and functional that the products inside... Then, if you do write a follow-up or companion book, they will know they can expect a quality book from you.When you set out to write your "How To. If a particular book has a few stellar reviews, an equal number of good reviews, and some negative reviews, I do not assume it is good or bad, I try to determine if the book gives the reader what its marketing says it will. This is particularly true if you are marketing a book that purports to instruct the reader with respect to how to do something to generate an income..

How many times have you purchased something that looked or sounded great only to find out when you open the package that the product is significantly less that what you expected? The Internet and information sharing can be devastating to even the best product if it does not meet the expectations of the consumers buying it, so before you start selling something, whether it be a book or another product, test it yourself and ask others to test it to make sure it will live up to consumer expectations. They will punish you for misleading them and the Internet will get their opinion out to anyone with an interest in researching your book before buying it." books, the old saying, "Honesty is the best policy" is certainly applicable. I cannot count the number of products I have purchased over the years that broke or malfunctioned within a week of taking them out of their packaging

These items are compatible with all window types and can handle all cavity widths.These windows are easy to take care of, too. The fact is that wall cavities are at risk for fire and installing barriers is a must. There's no need for screws or other fixings.uPVC is truly the material of choice when it comes to modern windows, doors and other house components. These are small openings integrated into window frames that allow natural ventilation when the windows are closed. Made from compressible mineral wool, fire rated cavity closers are not only environmentally friendly but also afford considerable fire protectionUsing an adjustable steel fixing strap allows the rapid fitting of uPVC windows and can handle all types of window and cavity widths. You can opt for a plain bright white or choose from a number of photo effect wood-finishes to achieve the look you want for your windows.

Trickle vents also reduce the need for you to keep your windows open which could result in increased energy consumption, draughts and a higher risk of break ins. You can use cavity fire barriers to stop the spread of fire in the cavity.Next, a cavity fire barrier is essential. The steel strap clips and locks onto the outer window frame. As it's harder than wood, uPVC is better at retaining heat which makes for buildings which are more energy efficient. In this way, they lower the generally humidity in your home. As uPVC Windows are not designed to be load bearing, a lintel may be required above the window.Handling glass is dangerous so be sure to wear appropriate safety equipment. Then get ready to find out how easy fitting upvc windows can be. When it comes to fitting windows into apertures whether new-build or replacement, there are a number of important considerations, especially if you're carrying out the work yourself. There's no need for painting or sealing as with wood. What's more, they can be very easy to install. These straps come in sizes of 100-200 mm with a few firms offering sizes of 250mm to fit wider cavities.uPVC (Unplasticized Polyvinyl Chloride, also known as PVC-U) is an attractive material available in a wide range of colours and finishes.

Whether you're building a new home or making over your exist ting home, fitting uPVC windows can transform your residence both in terms of style and functionality.It's also an eco-friendly material.. Excessive humidity can cause a number of problems including condensation and growth of mould. To find the best deals for your home, visit the web sites of online vendors and choose the right windows for your home. uPVC windows will handle anything the elements can throw at them whether sun, rain, snow or frost; and they won't discolour, warp, crack, peel, rust, corrode or tarnish. For one thing, it can be recycled. Cavities are hidden areas with the potential for fires to spread. There's also the matter of better insulation. One consideration when dealing with uPVC windows is that of trickle vents. Once the window is positioned in the aperture, the strap is just screwed to the interior blockwork to secure the window in position.

Trickle vents on windows are now compulsory on all new builds and extensions but not on replacement windows.It's also a highly durable material that will give you a lifetime of use.Another big plus for uPVC windows is their ease of installation.This approach makes fitting uPVC windows a snap.When fitting uPVC windows, you need to also consider the matter of the cavity fire barrier. Fitting windows China Car Instrument Dashboard Mould Factory was long an involved process the good news is that fitting uPVC windows is a breeze if you use an adjustable steel fixing strap. What's more, building Regulations require cavity barriers to be used around wall openings and junctions. It's the fast, convenient way to add new windows to your new or existing dwelling. Just wash your window frames with soap and water every now and again and they'll keep looking spanking new for years and years. These windows bring a rich array of advantages to any home - they're stylish, durable, eco-friendly, easy to clean and maintain and highly weather resistant

The meat they produce results in a high quality ham, deep rooted in tradition. Keep your ham somewhere cool, dry and airy.Another method is to smear a little olive oil over the meat before covering. They are also known as "pata negra" which means black foot due to their special apperance and only make up around 7% of Serrano Hams. The slow curing is essential to allow the hams to adapt to natural conditions which is why cold dry winters and low humidity are essential to create a perfect serrano ham. During this time the temperature remains between 5 and 10 degrees with a humidity of 75-80%.com. When both sides are finished you can work on the tip of the ham, always cutting along the length of the bone.Eating your Serrano ham. The various types of "Iberico" hams can be cured for up to an extra two years resulting in a melt in the mouth texture of deep red meat and an exquisite nutty flavour due to the acorn diet of the Iberian pig. Only the hams that come from these pigs can be called Jamon Iberico. Only remove the section of rind where you plan to begin slicing.Article written and supplied by Gayle Hartley. Other types of Iberian ham are the "Jamón Iberico de Recebo" and the "Jamón Iberico" The main difference from the "Bellota" ham is that these pigs are fed on usual feed. Ideal partners to Serrano Ham are almonds or chunks of melon.

Apart from convenience, this is why in Spanish bars and restaurants the ham is always on display in its stand.The serrano ham comes from the 'white pigs'.When you have removed all the meat you can also "scrape" the bone with a sharp knife to get the last of the meat from the fibula. What exactly is a Serrano Ham?Serrano ham is the cured leg of a pig and there are many types and qualities of Serrano ham. Jamón Serrano is traditionally cured in mountainous environments where very cold dry winters, low humidity and an abundance of fresh air are a prominent feature. By the time the hams reach the final stage of the curing process, the meat will be perfectly cured and they will have lost up to 40% of their original weight.Hams from the iberian pigs can be seperated into three categories; The "Jamon Ibérico de Bellota. The Spanish ham knife or China Car glove box Molding Manufacturers "jamonero" (same as the stand) is long, narrow, flexible and very vary sharp. The first process is known as the salting where the hams are packed in piles of salt to aid the preservation process. The best way to do this is to keep the strips of rind and fat that you cut off to start with and re-cover the exposed meat as you go along. Always store and serve your ham at room temperature. If you remove too much rind the meat can dry out. The ham can be kept hanging like this in a cool place for about a year if you don't need to carve it straight away.Once you've removed the rind, you can begin slicing. These pigs are very special indeed and produce the most famous of spanish cured hams. However the best thing about the Serrano Ham is that it can be kept in an accessible place, so it is always on hand when you fancy a slice or two! Carving your ham The only way to store and carve your ham is to place it in a ham stand called a 'Jamonero'. These pigs are also free range and live a life of luxury high in the mountains. The amount of time the hams remain in the salt depends on the size of the ham but it is generally around 24-48 hours per kilo.At the edge of the exposed meat cut away the fat at a forty-five degree angle, this will leave you with a "ridge" of meat. A good ham is similar to a good wine, the longer the curing process, the more intense the aroma and flavour. Also this means your ham is always accessible and ready to carve at all times. Again, using traditional Spanish "tools" is the only way to ensure the ham is cut correctly. After this the fore and hind legs of the pigs are prepared for becoming the Serrano ham. The final stage of the curing process is called 'maduracion' and takes place during the last month or so. Place the ham in the ham stand and secure using the spike on the base and the screws in the holder. If you do have to store your ham in the refrigerator you must remove it and leave it at room temperature to acclimatise before carving and serving.It is as due to this curing process, the names given to the Serrano Ham.The next stage of the curing process is called 'asentamiento.

The Serrano Ham is one of Spain's most outstanding food products and one of the things that Spain is famous for. The tip of the ham has a slightly stronger taste because while the hams are hanging during curing, this is where the fat and salt concentrates.The Serrano hams.The hams are continued to be hung (traditionally on knotted rope) for a minimum of 12 months.' This is when the salt is cleaned off and the hams are hung for an initial period of 1 to 2 months. The remaining bone can be used to make a lovely stock, ideal for soups and stews. Serrano hams should never be kept in the refrigerator, even after carving has begun.The resulting cured hams from these pigs is the best in the world due to their diet, way of life and genetic make up. You know you are on the right track when you can see the blade through the slices you are cutting. During the beginning stages of this process the hams will be covered in a mould which is essential to the curing process, enhances flavour and helps make the Serrano Ham what it is.Always start at the narrowest part of the ham as here there is very little fat so this is the part that will dry out first. Storing your hamWhen you buy a whole leg Serrano ham it will be covered in rind and usually protected by a breathable "ham sock".How is the ham cured? From November the traditional "matanza" or sacrifice of the pigs takes place.Next, make a deep cut around five inches down from the hoof using a sharp strong knife. This special stand ensures the ham is secure while you carve, very important from a safety point of view. The most famous names regarding the Spanish ham are the Jamon Serrano and the Jamon Iberico. Once you've started cutting your ham it is best to eat it within six to eight weeks. During this all important last stage, temperature and humidity are increased considerably to allow the fat to filter evenly through the ham, further concentrating the flavour. This first stage is regulated very carefully to ensure the hams are not left in the salt for too long. After carving, it is time to enjoy those wafer thin slices of your delicious ham. The word "serrano" in Spanish refers to the sierra, or mountains.First of all, remove the fat from the body of the ham depending on how much is to be cut. It is these pigs after all which provide the hams most likely to be found in bars, restaurants and indeed in the home. During this time the hams begin to take on the "cured" qualities, yellow fat and dark red meat .orceserranohams.

The best way is to serve on a plate with a drizzle of olive oil. Not as luxurious as the Bellota ham but still offer superb taste and texture. These conditions are essential if you want to produce a true Serrano Ham. Using your flexible ham knife, cut along the ham as straight as possible. This first stage is important because the moisture is dried out which means the ham and the salt infuse together to concentrate the flavour." is the highest quality and has a distinctive nutty taste due to its exclusive diet of acorns. For more information on Serrano and Iberico Hams, go to: www.Jamon IbericoThe best of the Spanish pigs is the Iberian pig.The varieties of ham come from the types of pig, how that pig is fed, its lifestyle and conditions of curing. It is important to cover any exposed areas of meat to keep it fresh and prevent it from drying out.When you have removed the meat from this section, turn the ham over and repeat the process on the other side. A "bodega" or "curado" ham for example has been cured for 12-14 months; a "reserva ham" has been cured for 14-18 months and a "gran reserva" over 18 months.Although now ready to eat, many hams are transferred to bodegas or cellars to be allowed to mature even more. Although pretty mundane compared to their black footed cousins, the "common" Serrano ham provides that unique taste of the real Spain, not likened to anything else. Unless you have a huge refrigerator, it is simply not practical but the ham is supposed to be stored and eaten at room temperature. It is essential to use this type of knife to achieve the all important wafer thin slices of ham. Traditionally these "bodegas" were caves because the conditions inside are perfect for a maturing ham - constant temperature, airy and dry, indeed many hams even today undergo the whole curing process in a cave. Retain the fat for placing over the exposed meat when finished