Wednesday, September 21, 2011
HISPANICS: FASTEST-GROWING MINORITY
Hispanics, the largest and fastest-growing U.S. minority group, now number more than 50.5 million people --- 16.3 percent of the American population, according to the 2010 Census and the book, "The Immigration Paradox: 15 Tips for Winning Immigration Cases" by Charles Jerome Ware, former U.S. Immigration Judge (iUniverse Publishers).
Friday, September 9, 2011
"GENERATION P": Hooked on Credit Cards
(Excerpted from Chapter 13, "The Dark Secrets of Credit Cards and Debit Cards"; from the new book, LEGAL CONSUMER TIPS AND SECRETS, by Charles Jerome Ware, former Special Counsel to the Chairman of the U.S. Federal Trade Commission (FTC) [iUniverse Publishers, 2011].
Credit card companies are getting more and more people, between the ages of 18 and 25, hooked on "plastic". Increasingly these new victims are women. Collectively, they are called "Generation P", meaning generation plastic; because this group rarely if ever leave home without a credit or debit card. And they use them frequently.
Credit card companies are getting more and more people, between the ages of 18 and 25, hooked on "plastic". Increasingly these new victims are women. Collectively, they are called "Generation P", meaning generation plastic; because this group rarely if ever leave home without a credit or debit card. And they use them frequently.
Monday, September 5, 2011
"IDENTITY THEFT, 2011".
(Excerpts from the new book, LEGAL CONSUMER TIPS AND SECRETS, by Attorney Charles Jerome Ware).
Identity theft is now one of the fastest-growing crimes in the United States. In recent reports, the U.S. Federal Trade Commission (FTC) estimates that over 9 million Americans have their identities stolen each year [from Chapter 5: "Avoiding Identity Theft and Identity Fraud," by Charles Jerome Ware, former Special Counsel to the Chairman of the U.S. Federal Trade Commission (FTC)].
If you are a victim of identity theft, take the following 5 steps immediately:
(1) Place a "fraud alert" on your credit reports and, of course, order and review them.
(2) Close the accounts you know, or have good reason to believe, have been tampered with or opened fraudulently.
(3) File an identity theft complaint with the Federal Trade Commission (FTC).
(4) File an identity theft report with your local police or law enforcement agency in the community location where the identity theft occurred.
(5) Keep a detailed record of your efforts and the responses you receive from your identity theft complaints, including copies of all correspondence related to them.
Identity theft is now one of the fastest-growing crimes in the United States. In recent reports, the U.S. Federal Trade Commission (FTC) estimates that over 9 million Americans have their identities stolen each year [from Chapter 5: "Avoiding Identity Theft and Identity Fraud," by Charles Jerome Ware, former Special Counsel to the Chairman of the U.S. Federal Trade Commission (FTC)].
If you are a victim of identity theft, take the following 5 steps immediately:
(1) Place a "fraud alert" on your credit reports and, of course, order and review them.
(2) Close the accounts you know, or have good reason to believe, have been tampered with or opened fraudulently.
(3) File an identity theft complaint with the Federal Trade Commission (FTC).
(4) File an identity theft report with your local police or law enforcement agency in the community location where the identity theft occurred.
(5) Keep a detailed record of your efforts and the responses you receive from your identity theft complaints, including copies of all correspondence related to them.
"BREAKING NEWS: U.S. SUES BANKS FOR MORTGAGE FRAUD"
The Federal Housing Finance Agency (FHFA), the government agency that oversees mortgage buyers Fannie Mae and Freddie Mac is suing 17 banking institutions for mortgage fraud.
The lawsuit was filed last Friday, September 2nd, 2011, against banking giants Bank of America, Merrill Lynch, Citigroup, J.P. Morgan Chase, Goldman Sachs, Barclays, Nomura, and ten more big banks seeking compensation for more than $41 billion of losses related to subprime mortgage bonds.
The lawsuit charges the banks with violating Federal and state securities laws in the fraudulent sale of home mortgages.
The lawsuit was filed last Friday, September 2nd, 2011, against banking giants Bank of America, Merrill Lynch, Citigroup, J.P. Morgan Chase, Goldman Sachs, Barclays, Nomura, and ten more big banks seeking compensation for more than $41 billion of losses related to subprime mortgage bonds.
The lawsuit charges the banks with violating Federal and state securities laws in the fraudulent sale of home mortgages.
"HOME IMPROVEMENT SCAMS"
Tips and Secrets from the new book, LEGAL CONSUMERS TIPS AND SECRETS, by Charles Jerome Ware, former Special Counsel to the Chairman of the United States Federal Trade Commission (iUniverse Publishers, 2011), Chapter 12.
The consumer is cautioned to not be fooled by wide-spread hurricane and tornado scams, and advised to hire only licensed home improvement contractors for repairs. The consumer is also urged to get several estimates for repair work, check the contractors' licenses, and only pay upon completion of the repair work [see "Chapter 12: Home Improvement Tips and Secrets", from the new book LEGAL CONSUMER TIPS AND SECRETS (iUniverse Publishers, 2011), by Charles Jerome Ware].
The consumer is cautioned to not be fooled by wide-spread hurricane and tornado scams, and advised to hire only licensed home improvement contractors for repairs. The consumer is also urged to get several estimates for repair work, check the contractors' licenses, and only pay upon completion of the repair work [see "Chapter 12: Home Improvement Tips and Secrets", from the new book LEGAL CONSUMER TIPS AND SECRETS (iUniverse Publishers, 2011), by Charles Jerome Ware].
Friday, September 2, 2011
SELLING PATENTS: A New Revenue-Generator for Companies
In the current tight economy for everyone, including many companies, a new way to generate much-needed capital (money) for some companies is to sell some of their PATENTS to other companies.
An example is the very recent sale by NOKIA Corporation to MOSAID Technologies, Inc. of over 2,000 corporate patents.
Another example is GOOGLE Inc.'s expressed interest recently in acquiring MOTOROLA Mobility Holdings, Inc. for $12.5 billion. GOOGLE mainly wants MOTOROLA'S PATENTS.
Further, MICROSOFT Corporation and RESEARCH IN MOTION Ltd. have combined resources to pay NORTEL NETWORK Corporation $4.5 billion for its wireless PATENTS.
An example is the very recent sale by NOKIA Corporation to MOSAID Technologies, Inc. of over 2,000 corporate patents.
Another example is GOOGLE Inc.'s expressed interest recently in acquiring MOTOROLA Mobility Holdings, Inc. for $12.5 billion. GOOGLE mainly wants MOTOROLA'S PATENTS.
Further, MICROSOFT Corporation and RESEARCH IN MOTION Ltd. have combined resources to pay NORTEL NETWORK Corporation $4.5 billion for its wireless PATENTS.
Thursday, September 1, 2011
ILLEGAL MERGER?: AT&T and T-Mobile USA
The Antitrust Division of the United States Department of Justice has filed a civil lawsuit to block the proposed $29 billion acquisition (takeover or merger) by AT&T of T-Mobile USA.
The Government states that the combination of the second (AT&T) and fourth (T-Mobile USA) largest cellphone companies in the U.S. would harm competition and probably raise prices for consumers. We agree.
The Government states that the combination of the second (AT&T) and fourth (T-Mobile USA) largest cellphone companies in the U.S. would harm competition and probably raise prices for consumers. We agree.
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