Identity Theft Red Flag Rules Raise Ire of AMA
Flaggen No one wants to be the target of identity theft, and yet, despite consumer awareness and prevention practices, in 2008 ten million people were victimized. It seems like everyone should be overjoyed at programs to curb this threat from the creditor's side.
Not so. Some organizations, such as the American Medical Association, feel that their members should be exempt from developing and implementing written identity theft prevention and detection measures.
Resistance from the AMA has been so strong that the deadline for putting the Red Flag Rules into practice has been delayed 3 times since it's inception in November 2007. The new deadline is November 2009.
Banks and other credit issuing entities also object to monitoring the 26 red flags designed to prevent anyone from using another person's identity - for gaining credit, for getting a job, for renting an apartment, or for obtaining medical care under another's insurance policy.
Why They feel that the new rules are "excessive and overly burdensome." Huge banks will probably have no trouble with compliance, but smaller organizations without a large staff may have to hire 3rd party companies to carry out this function. Either way, implementing the Red Flag rules will cut into profits.
One objection from the AMA is that physicians should not be classified as "creditors," even though they grant credit when they accept payments for care, or when they wait for payment until an insurance company responds to billings.
Lawmakers are not heeding this argument, because they are particularly concerned with "medical identity theft." Not only can thieves obtain medical care using someone else's insurance, the resultant medical records could be medically dangerous to the person whose identity was stolen.
Coming into compliance will definitely prevent "instant credit," because checking some of the 26 Red Flags will require a little research. First, it will be necessary to obtain and actually read a credit report. The first red flag will be the inability to obtain that report due to a credit freeze. Next would be a fraud alert placed on the report.
From there, credit issuers will need to examine the report for inconsistencies when compared to the application for credit. Some, such as checking the borrowers social security number against his date of birth, will require further effort.
Meanwhile, since the rules are not yet in effect, check your own credit report today. . . Roll Up You could be a victim and not even know it.
http://www.creditscorecowboy.com is the #1 source on the planet for a free credit report, identity theft software and a blog with a wealth of information writtten by lending professionals that know about credit and what determines ones creditworthiness.
Not so. Some organizations, such as the American Medical Association, feel that their members should be exempt from developing and implementing written identity theft prevention and detection measures.
Resistance from the AMA has been so strong that the deadline for putting the Red Flag Rules into practice has been delayed 3 times since it's inception in November 2007. The new deadline is November 2009.
Banks and other credit issuing entities also object to monitoring the 26 red flags designed to prevent anyone from using another person's identity - for gaining credit, for getting a job, for renting an apartment, or for obtaining medical care under another's insurance policy.
Why They feel that the new rules are "excessive and overly burdensome." Huge banks will probably have no trouble with compliance, but smaller organizations without a large staff may have to hire 3rd party companies to carry out this function. Either way, implementing the Red Flag rules will cut into profits.
One objection from the AMA is that physicians should not be classified as "creditors," even though they grant credit when they accept payments for care, or when they wait for payment until an insurance company responds to billings.
Lawmakers are not heeding this argument, because they are particularly concerned with "medical identity theft." Not only can thieves obtain medical care using someone else's insurance, the resultant medical records could be medically dangerous to the person whose identity was stolen.
Coming into compliance will definitely prevent "instant credit," because checking some of the 26 Red Flags will require a little research. First, it will be necessary to obtain and actually read a credit report. The first red flag will be the inability to obtain that report due to a credit freeze. Next would be a fraud alert placed on the report.
From there, credit issuers will need to examine the report for inconsistencies when compared to the application for credit. Some, such as checking the borrowers social security number against his date of birth, will require further effort.
Meanwhile, since the rules are not yet in effect, check your own credit report today. . . Roll Up You could be a victim and not even know it.
http://www.creditscorecowboy.com is the #1 source on the planet for a free credit report, identity theft software and a blog with a wealth of information writtten by lending professionals that know about credit and what determines ones creditworthiness.
In Syria since
In Syria, since 1963 state of emergency continued in force. This explained the Syrian government to remain in a state of war with Israel. In practice it has not been abolished, because effectively froze civil liberties contained in the constitution Roll Up. The Syrians chose the president in a vote, but there have been no multiparty elections.
After the coup in 1963, came into power the Baath Party. Despite attempts to overthrow their governments in 1966 and 1970 remained in power. After the revolution of 1970 the new President Hafez al-Assad activities of opposition parties banned. At the height of a six-year Islamic insurgency in 1982 led the president of scorched-earth tactics against the city of Hama, on the grounds that there was a point of Sunni resistance. February 3, 1982 city of Hama massacre occurred with the use of chemical weapons which killed according to human rights committees, about 40 thousand. people.
In connection with the election of President Hafiz al-Assad in 1999 in Latakia there have violent protests after the elections of 1998. President Hafez al-Assad died in 2000, however. Therefore, the constitution was changed so that it lowered the age from which you can be president from 40 to 34 years. For many years the president appointed the son of the dictator Bashar al-Assad.
Tension in the country led to riots by Kurds in 2004. During one of the matches in March 2004 in Al-Qamishli, Kurds have made the stadium its own flag, so that security forces opened fire on supporters, killing 30 people.
After the coup in 1963, came into power the Baath Party. Despite attempts to overthrow their governments in 1966 and 1970 remained in power. After the revolution of 1970 the new President Hafez al-Assad activities of opposition parties banned. At the height of a six-year Islamic insurgency in 1982 led the president of scorched-earth tactics against the city of Hama, on the grounds that there was a point of Sunni resistance. February 3, 1982 city of Hama massacre occurred with the use of chemical weapons which killed according to human rights committees, about 40 thousand. people.
In connection with the election of President Hafiz al-Assad in 1999 in Latakia there have violent protests after the elections of 1998. President Hafez al-Assad died in 2000, however. Therefore, the constitution was changed so that it lowered the age from which you can be president from 40 to 34 years. For many years the president appointed the son of the dictator Bashar al-Assad.
Tension in the country led to riots by Kurds in 2004. During one of the matches in March 2004 in Al-Qamishli, Kurds have made the stadium its own flag, so that security forces opened fire on supporters, killing 30 people.
Interesting Fact about the Flags
Flags are in existence for a very long period of time. Flags are the symbols used by different countries and organizations. If we talk about countries, every country has its own flag. Flagge Every country respects its flag more than anything else and to show indignity towards the national flag is taken as a treason activity. Colors used in every flag have their own significance. They are never used without any reason. If you think about the colors used in the flags and go into their history and depth, you will come to know many interesting facts related to the concerned country. If you think about American , you will be amazed when you will get to know about their truth. Flags are the integral part of American culture and history Werbefahnen. Americans respect their flag more than their own life. There were many flags in America during the revolution. If you think about the flag of Arizona, you will find that it has 13 red and yellow rays Werbefahne. All rays represent the sun and the 13 American colonies. The copper colored placed star placed in the center of the flag shows the presence of copper mining in Arizona. Now, just have a look at the national of USA. You will see fifty stars on the flag representing the 50 states of USA and 13 stripes of the flag symbolize the thirteen colonies of the country. Union Flag of United Kingdom, which is known as Union Jack, has been made up of including the individual flags of all the three countries of UK. If you look at the flag of Libya, you will see only one color in that. It is the only flag in the world which contains only one color. This flag is made by using high quality stuffs in proportion of 1:2. The national flag of Germany consists of three equal horizontal bands which display three national colors black, red and gold. The national flag of Russia is a tricolor flag which consists of three colors - while, blue and red. There are many theories available regarding the choices of the colors but no one is officially and universally accepted.
Invoice Factoring Can Absolve Credit Card Debt
If you are in a small business then you may have some debt issues these days, given the economic situation since the recession. And if you do owe money, chances are some of it is credit card debt. Here is the question: Have you heard of the Fair Debt Collection Practices Act (FDCPA) This group can help protect you if you're being harassed by debt collectors.
The FDCPA can help you if the same debt collector has and continues to call you multiple times; if a collector ever threatens you with any action, legal or otherwise; if a creditor bothers you while you are at work; or if they ever contact a spouse or anyone other than yourslef regarding your credit issue.
If you are in debt, it is really important to begin making all credit card payments on time. Today some of your bills may still come via mail, as opposed to online, while some bills are on auto pay, and others are digital payment programs. When you get the mail, sort through it and separate out your bills, then immediately place your pending bills in a basket, or file folder marked "Bills to Pay" or "Pending Bills." Keep them together in one spot; open them and place the payment envelope up with the date of when the bill is due marked visibly on the back of the envelope.
Next remember to periodically look at these due dates. Set a remoinder note on your desk or flag it on your computer calendar. Make sure to designate several regular days per month to review and pay your bills - say the first or the fifteenth, then make sure you sit down at your desk to pay them, with your checkbook(s), a pen, stamps, tape, a stapler, envelopes, a calculator and return address labels.
Always use your check register or use a financial spreadsheet or even software on your computer to record payments. Place all of the paid invoices and your receipts into a file folder. Once you pay your bills, mark your copy or section of the invoice with the date the bill was paid, the amount paid, and if you want, the check number. File each into the tagged pocket of your bill paying folder- insurance, credit cards, rent, utilities, office supplies, etc.
And remember, if you need a little extra cash to pay all of your bills, there is an alternative solution that might help, called invoice factoring. A factoring services company can cash in your accounts receivables for extra cash when you need it. Factoring is a great way to help get you and your business out of debt. And don't forget, debt collectors are allowed to contact you regarding a debt, and the telephone calls alone can be enough to drive you crazy. With your own business you can simply factor one invoice at a time with a factoring company, and then save this money and pay off some of your credit card debt. You might be able to eliminate calls from debt collectors altogether!
Once you are caught up, and bill collectors are no longer contacting you, if you want to build your credit, and need to get another card, here are some things to consider. Unsecured and secured credit cards for those with poor credit are easy to get, due to the risk of you defaulting. But once you make punctual payments, your bad credit history will start to get better. This would enable you to apply for more mainstream financial products with better interest rates.
Rollup The Interface Financial Group (IFG). provides and short-term financial resources serving clients in more than 30 industries. IFG offers expertise in invoice , accounting, finance, law, marketing and banking.
Ismaili Flag - Modern Period
Imam Hasan Ali Shah (1817-1881) arrived in India in 1842. He died and buried in Hasanabad, Bombay in 1881. He was succeeded by his son Imam Aga Ali Shah (1881-1885), who also died in Poona on August 17, 1885. His body in a bier was brought to Bombay, where it was temporarily enshrined in Hasanabad, Bombay for 64 days, and shipped for interment in Najaf. Mukhi Kassim Musa (d. 1896), the then estate agent was entrusted to carry the Imam's bier from Bombay to Najaf. He left behind a very important narrative of the journey of 25 days. He relates that the procession carrying the bier to the sea-port was started from Hasanabad on October 25, 1885. Describing the scene of the grand procession of ten thousand persons, he writes that, "Many persons, numbering 125 had lifted the plates of fruits and sweetmeats on heads in the procession. They were followed by another 125 Ismaili believers, carrying banners and muttering salawat with tears in eyes. They were followed by the special horses of Imam Aga Ali Shah, caparisoned in golden and silver. Behind them were six horses loaded with swords, and another six with that of the shields. Next followed five riders, and three among them held three big banners of Ali bin Abu Talib. These banners are taken out on special occasions" (p. 7).
The Ismailis formed different semi-military organizations in Bombay, such as the Kandi Mola Scout Troops came into existence at Bombay in 1915. The H.H. The Aga Khan Volunteer Corps existed in 1919. The volunteer corps in Hasanabad, Bombay was formed in 1920. Ladies volunteer corps was raised in Kandi Mola, Bombay in 1921 and at Khadak, Bombay in 1922. The scout group at Hasanabad also started in 1922. The first Ismaili Band was formed in 1926 and the Girl Guides Company also was erected in Khadak, Bombay in 1927. In sum, the community added certain tinge of bravery and manliness to its activities. These semi-military organizations were first in the community of their kind and proved highly beneficial. The foremost need of these institutions was to hoist and salute their own banner on the occasions of jubilations and festivity.
It will be very interesting to learn that when Imam Sultan Muhammad Shah made his first visit of East African countries in 1899, it appeared that the Ismailis mostly in the villages used the banners, having complete red ground, whereon the name of the Imam was written in white letters in English. The followers also decorated the steamer and the boat of the Imam with these banners. When the boat landed ashore, the news of the Imam's arrival was announced through the signals of the banners. The tradition of red banner was so popular among the Ismailis in East Africa, that they hoisted it on every occasion and festival on the Jamatkhanas Werbefahnen. It cannot be ascertained by any source how the tradition of red banner came to be introduced in East Africa The Ismailis who emigrated to East Africa mostly belonged to Kutchh, India, and we have a reason to believe that the tradition of red banner must have been originated in Kutchh and introduced in East Africa. While inspecting both oral and written sources available at our disposal, it however appears that there existed no such tradition in Kutchh. The question arises, how the Ismailis in East Africa started the tradition of red banner It is however seen that when Imam Sultan Muhammad Shah visited East Africa for the first time in 1899, he was warmly welcomed, and the principal items or the decorations in the cities was the red banners of the Sultanate of Oman and Britain. When the Imam launched his next tour in 1905, the Ismailis living in the villages used red banners with the name of the Imam on it instead of the banners of the ruling authorities. It became a normal practice to hoist red banners on the Jamatkhana during the festive occasions as well as on the arrival of the Imam.
Wazir Kassim Ali Fateh Ali (1894-1971), the Kamadia of the Thana Jamatkhana in India had heard the tradition of the red banner in East Africa through different channels. It struck an idea in his mind that a similar tradition should be introduced in India. He consulted with different persons, who appreciated his noble idea. He however found different views to determine the colours of the flag. When no one came to a conclusion, it was finally resolved to refer the matter to the Imam in Europe.
On Thursday, April 28, 1927, the Thana Jamat commemorated the 50th Birthday of the Imam. On that occasion, the leaders and the members of the jamat held a grand assembly in the Jamatkhana and passed a historic resolution, which was also read in the Jamatkhana. Mukhi Itmadi Nazar Ali Hashim and Kamadia Kassim Ali Fateh Ali of Thana Jamatkhana sent the copy of the resolution through a telegram to the Imam in Europe. The Imam was highly delighted with the idea of introducing an Ismaili flag and approved green colour with a cross red stripe in it.
The above report was published in the weekly Ismaili (Bombay, 1927, p. 7) through an announcement on Sunday, June 19, 1927 that:- "The Thana jamat passed a resolution to celebrate the day as an Eid when our beloved Imam Sir Sultan Muhammad Shah may graciously bestow with the talika mubarak or a telegram upon the jamat. The whole jamat should attend with full strength when the talika mubarak is read in the Jamatkhana. It should be read before the jamat with due respect. (Further) on the day when the talika mubarak of Hazar Imam is conferred, the birthday of the Imam and on other festive occasions, our flag should be hoisted on the Jamatkhana. When the Mukhi & Kamadia of Thana Jamatkhana reverently asked for the above flag to the Imam in their telegram of congratulation during birthday, the Imam approved it with happiness, saying "The Thana jamat can use my green colour in the flag, with a red crossing stripe."
Thus, a flag dressing in green and red colours was designed within a short span of time. Its ground or field contained rich green colour with a red diagonal gushing out from left of the top-corner near staff down to the bottom-corner of the right side, making a red stripe crossing in the green flag.
On Sunday, the 18th Zilhaja, 1345/June 19, 1927 during the historic occasion of Eid al-Ghadir, the unfurling ceremony of the Ismaili flag had been performed for the first time on the Indian soil in the compound of the Thana Jamatkhana. On that occasion, H.H. The Aga Khan Volunteers Corps, the Ismaili Band and eminent persons participated. The ceremony began at 4.30 p.m. with an inauguration speech of Wazir Kassim Ali Fateh Ali. He, then unfurled the Ismaili flag with due honour on the Jamatkhana after march-past amid the enchanting tune of the Band, which certainly created a thrilling and sensational environment. Guard of honour was also accorded by the volunteers. Mr. Kader Hussain Merali Manji handed over the flag on behalf of the Thana Jamatkhana to Captain Pir Muhammad Madhani (1896-1959) and Vice-Captain A.J. Lakhpati (1884-1947), which they accepted on behalf of the Bombay Volunteer Corps. Then, Mr. Ismail Gala recited the famous poem of Nur Mohammad Javer before the audience. Mr. Kader Hussain Merali Manji, Haji Mohammad Fazal, Mohammad Abdullah, A.S. Sadruddin and Haji Mohammad Rahim delivered touching speeches. In short, the whole proceeding was performed with unbounded jubilation. On that occasion, the following telegraphic message of the Imam was read before the audience:-
The next unfurling ceremony of the flag was performed in Andheri Jamatkhana, Bombay on Sunday, June 26, 1927 at 3.30 p.m. by the hands of Alijah Ismail Virji Madhani, the President of the Supreme Council for Kathiawar. On that occasion, the Imam sent the following telegraphic message:-
CHILDREN. PATERNAL LOVE AND BEST BLESSINGS HAPPY OCCASION. MY TREASURER OPENED FLAG AT BOMBAY AND MY OFFICERS AT ANDHERI. VERY PLEASED HEAR THIS GOOD NEWS.
Fahne The third ceremony in succession was performed in Khadak Jamatkhana, Bombay on Monday, June 27, 1927 at 3. 30 p. m. by the hands of Kamadia Kassim Ali Hasan Ali. The Imam sent the following message on that auspicious occasion:-.
Mukhi Laljibhai Devraj (1842-1930) had an honour to perform its unfurling ceremony at Bandra Jamatkhana, Bombay on July 4, 1927. The whole programme was organized with pomp and jubilation.
Soon afterwards, the unfurling ceremony had also taken place in Talaja Jamatkhana in Kathiawar on July 11, 1927 by Nazar Ali Dhanji Gheewala. It was performed at Dharka Jamatkhana on July 14, 1927 by Mukhi Alibhai Sunderji, in Dhoraji Jamatkhana on July 29, 1927 by the hands of Mukhi Pirbhai and Kamadia Mawji. It was also unfurled in Karachi on August 17, 1927 by Rai Alidina Ali Muhammad (1884-1952). The Panderkawda Jamatkhana performed unfurling ceremony on August 24, 1927 by the hands of President Khalfan Lalji. In Sind, it was unfurled at Hyderabad by Varas Karim Kassim (1878-1958) on November 24, 1927. The ceremony was also performed in Nairobi, Dar-es-Salam, Kampala, Rangoon, etc. The first hoisting ceremony in Gwadar Jamatkhana took place on April 12, 1928 with the hands of Mukhi Muhammad Abdullah Bachani (1927-1932). The ceremony inaugurated with the sound of bugles, and it was followed by musket-shots for 11 times. The ceremony was performed with the loud voice of Allaho-Akbar.
The Imam arrived Bombay from Europe on December 9, 1928, and when the above flag was presented before him, he became overwhelmed with joy to see it and said, "Excellent! This is my Flag". Hence, it became known as My Flag in the Ismaili community. In sum, the identity of these two colours together found a new lease of life with the creation of the Ismaili flag. The name "My Flag" had however been applied by the Imam himself in his message to the Khadak Jamatkhana, Bombay on June 27, 1927 Flagge.
