Review Report on the Consumer Council of Fiji 2016 Annual Report
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Sass Employment Reference Check Verification Products: Employment and Income Related Information User Agreement
SASS EMPLOYMENT REFERENCE CHECK VERIFICATION PRODUCTS: EMPLOYMENT AND INCOME RELATED INFORMATION USER AGREEMENT 1. The terms and conditions contained in this User Agreement apply to information supplied by ADP’s third party vendor, TALX Corporation, a provider of Equifax Verification Solutions (“Equifax”), and used to verify certain employment and income related information (“Employment Information”). Client will request Employment Information only for Client’s exclusive use and held in strict confidence except to the extent that disclosure to others is required or permitted by law. Only designated representatives of Client will request Employment Information on Client’s employees, and employees will be forbidden to obtain Employment Information on themselves, associates or any other persons except in the exercise of their official duties. Client will not disclose Employment Information to a consumer except as permitted or required by law. 2. Client recognizes that Employment Information is not guaranteed for accuracy. 3. Client agrees to indemnify, defend and hold Equifax and its respective shareholders, directors, officers, employees, agents, subsidiaries, and affiliates (“Indemnified Party Indemnitees”) harmless from and against any and all losses, injuries, claims, demands, liabilities, obligations, suits, penalties, forfeitures, costs or expenses of every type or kind, including reasonable attorneys’ fees actually incurred, disbursements and costs of investigation which are imposed upon, incurred by or asserted against the Indemnified -
Herbal Education Catalog Inside!
Herbal Education Catalog inside! 7 25274 81379 7 New Items in ABC's Herbal Education Catalog All items on page 2-5 ore nowavaila ble throug hou r 32-page catalog, wh ichis available followi ng page 82 of this issue of Herba/Gram. THE HEALING HERBS COOKBOOK by Pot Crocker. 1999. Information on preserving and cooking with herbs, plus o comprehensive reference on their medicinal properties. 115 vegetarian recipes incorporating whole, natural ingredients with o wide variety f of healing herbs. lists herbal organizations, moihnder sources, glossary, and herb-specific recipe index. t Softcover, 192 pp. $17.95 . #8400 r r HERBAL MEDICINE INTO THE NEW MILLENNIUM 1999 international conference on the science, regulation production and clinical application of medicinal plants ot Southern Cross University, New South Wales, Austrolio. View and hear from your computer the complete 18 hours of presentations from 27 of the world's most eminent medicinal plont experts from 9 countries together for the first time. CD ROM $150. SOUTHERN HERB GROWING #C009 by Modolene Hill and Gwen Barclay. 1987. Comprehensive guide to growing more than 130 herbs in the conditions peculiar to the American South. Propogotion, cultivation, harvesting, design ideas, usage, and history. 300 color photographs and 10 0 recipes. Softcover, 196 pp. $24.95. #B399 HEALING PLANTS 2000 16-MONTH CALENDAR by Steven Foster. Storts with September 1999. Includes traditional ond modern medicinal uses in addition to beautiful full color photographs. $11.99. #G016 AN ANCIENT EGYPTIAN HERBAL by Use Monniche. 1989. 94 species of plants ond trees used from before the pharaohs to the Coptic period. -
Avv. Polliotto
PRIVATIZZAZIONI E LIBERO MERCATO: risparmio reale per i consumatori? MARTEDÌ, 17 DICEMBRE 2013 Ore 14,30 – 18,30 Teatro VITTORIA Torino – Via Gramsci n. 4 Il consumo costituisce il punto di partenza delle attività economiche ed il suo ruolo è stato incrementato dallo sviluppo delle economie di scambio che, negli ultimi decenni, ne hanno accentuato i significati segnaletici e relazionali. Infatti è un’adeguata tutela dei consumatori a permettere un migliore funzionamento dei sistemi economici, emarginando le imprese scorrette, consolidando i diritti dei cittadini e promuovendo lo sviluppo economico e sociale. Origini americane del concetto di tutela dei consumatori Un prima forma di movimento in difesa dei consumatori ha origine negli Stati Uniti d’America , dove prima che in ogni altro paese al mondo, si crearono le condizioni per la nascita ed il veloce sviluppo di un capitalismo monopolistico ed oligopolistico. Un primo evento che segna l’inizio delle politiche in favore dei consumatori è la normativa Antitrust (Sherman Act) del 1890, che non era né voluta per servire a quello scopo, ma per proteggere il piccolo commercio e la produzione artigianale dallo strapotere dei monopolisti e delle grandi concentrazioni industriali. Lo Sherman Act, applicato la prima volta nel 1911 nella causa contro l’impero Rockefeller, infatti, escludeva tutte le azioni che tendevano a creare un profitto da una situazione di monopolio. Nella prima parte la legge proibiva tutte le pratiche che restringevano le chance della concorrenza, come ad esempio il controllo sui prezzi; nella seconda parte, invece, proibiva alle imprese che detenevano il monopolio su un settore di mercato di servirsene per estenderlo ad altri settori. -
Mass-Marketing Fraud
Mass-Marketing Fraud A Report to the Attorney General of the United States and the Solicitor General of Canada May 2003 ��� Binational Working Group on Cross-Border Mass-Marketing Fraud Table of Contents Executive Summary ......................................................... ii Introduction ...............................................................viii Section I: Mass-Marketing Fraud Today ........................................1 Section II: The Response to Mass-Marketing Fraud, 1998-2003 .................... 26 Section III: Current Challenges in Cross-Border Fraud - Towards A Binational Action Plan .................................................................56 Appendix - Selected Cross-Border Mass-Marketing Fraud Enforcement Actions ..... 69 i Executive Summary Section I: Mass-Marketing Fraud Today Telemarketing Fraud ! Cross-border telemarketing fraud remains one of the most pervasive forms of white-collar crime in Canada and the United States. The PhoneBusters National Call Centre estimates that on any given day, there are 500 to 1,000 criminal telemarketing boiler rooms, grossing about $1 billion a year, operating in Canada. (3) ! Several types of cross-border telemarketing fraud have increased substantially from 1997 to 2002: fraudulent prize and lottery schemes; fraudulent loan offers; and fraudulent offers of low-interest credit cards or credit-card protection. (3) ! Seven trends in cross-border telemarketing fraud since 1997 are especially noteworthy: • (1) Types of Telemarketing Fraud “Pitches”. The most prevalent among Canadian-based telemarketing fraud operations are fraudulent offers of prizes or lotteries; fraudulent loan offers; and fraudulent offers of low- interest credit cards or credit-card protection. (5) • (2) Methods of Transmitting Funds. Criminal telemarketers generally prefer their victims to use electronic payment services, such as Western Union and Travelers Express MoneyGram, to send funds for the promised goods or services. -
Dear Michigan Senior, As Your Attorney General, I Have Heard
STATE OF MICHIGAN DEPARTMENT OF ATTORNEY GENERAL P.O. BOX 30212 LANSING, MICHIGAN 48909 BILL SCHUETTE ATTORNEY GENERAL Dear Michigan Senior, As your Attorney General, I have heard countless stories of financial abuse against members of our senior population, ranging from sweepstakes scams to shady offers of home medical equipment and everything in between. Fast-talking telemarketers, phony charities, fly-by-night home repair contractors, and unscrupulous investment "advisors" are but a few examples of the many varieties of criminal predators who target seniors. My policy is to prosecute companies and individuals that commit fraud against seniors, and many charges have been brought. But in order to prevent criminals from getting away with fraud, I need your help. Knowledge of how scams operate and vigilance in scrutinizing requests for money or personal information are the keys to stopping criminals before they make off with someone's savings or commit a fraud in someone else's name. This Guide highlights many of the most common scams aimed at seniors. While criminals pitch their scams in many different forms, this Guide will help you to spot the common warning signs and empower you to protect yourself and your loved ones. This booklet also provides a variety of other information I hope you will find of value. This includes tips on protecting your personal information and reducing your exposure to identity theft, including directions for getting your name off unwanted telemarketing and junk mail lists and for exercising your right to receive free annual credit reports. The Guide also gives you advice on reviewing offers for living trusts, burial and funeral contracts, home improvements, investment products, and travel services. -
(1) Assist School Consumer Education That Meets Students Needs
DOCUMENT RESUME ED 120 072 SO 008.975 TITLE Guidelines for Consumer Education. Revised. INSTITUTION Illinois State Office of Education, Springfield. PUB DATE Apr 72 NOTE 69p. EDRS PRICE MF-$0.83 HC-$3.50 Plus Postage DESCRIPTORS Class Activities; Consumer Economics; *Consumer Education; Consumer Protection; Credit (Finance); *Guidelines; *High School Curriculum; Investment; Money Management; *Program Planning; Purchasing; Secondary Education; Social Studies; State Curridulum Guides; Taxes IDENTIFIERS Illinois ABSTRACT This guide is intended to assist school personnel by clarifying issues, provide directions in basic information, and stimulate practical considerations for the learner in the area of consumer education. Its objectives are to (1) assist school administrators in the implementation of consumer education, and (2) assist secondary teachers in planning an instructional program in consumer education that meets studentsneeds. An introduction offers a rationale and objectives. Procedure3 for implementation cover content, responsibility, time allotment, certification of teachers, and methods of implementation. Consumer education topics that are identified are the individual consumer and the marketplace, money management, consumer credit, buying goods and services, insurance, savings and investments, taxes, and the consumer in society. The discussion of each topic includes objectives, outline of content, suggested activities, and instructional materials. A resource section contains listings of selected bibliographies and other sources -
CONSUMER ALERT Security Breaches
CONSUMER ALERT MIKE COX ATTORNEY GENERAL The Attorney General provides Consumer Alerts to inform the public of unfair, misleading, or deceptive business practices, and to provide information and guidance on other issues of concern. Consumer Alerts are not legal advice, legal authority, or a binding legal opinion from the Department of Attorney General. Security Breaches – What to Do Next: A Step-by-Step Guide for Consumers Receiving Notification of a Breach A "security breach" is a term used to describe a loss of control over information that is very personal to most Americans – your Social Security Number, bank account information, medical records, and even your mother's maiden name. It is quite frightening to think that any company or government may lose control of such information, but it actually happens more often than one might imagine. This consumer alert provides a step-by-step guide for Michigan consumers who receive notification that their personal identifying information may have been compromised in a security breach. I Received Notification of a Security Breach – Now What? There are some basic steps you can take to help prevent identity theft, or quickly detect identity theft, that may result after your information is compromised by a security breach: 1. Place an "initial fraud alert" on your credit file: Once you receive notice of a security breach, federal law provides you with a free and easy way to help minimize the risk of fraudulent accounts being opened in your name. An "initial fraud alert" is an alert, or flag, that is placed on your credit file when you notify a credit reporting agency that your information may have been compromised. -
Consumer-Council-Of-Fiji-2017-–-2018-Annual-Report.Pdf
Annual Report 2017-2018 Parliamentary Paper Number 97 of 2019 WHO Labasa WE ARE Lautoka Suva ABOUT THE COUNCIL Our Vision: To build a society of informed and responsible consumers in which everyone is treated fairly, obtains value for money and is able to exercise their consumer rights. Our Mission: Make consumer voice heard and make it count. The Consumer Council of Fiji (CCoF) is a statutory body established under the Consumer Council Act 1976. The Council protects the rights and interests of consumers by promoting a fair and just delivery of goods and services. First and foremost, the Council is an advocacy organisation, conducting rigorous research and policy analysis on key consumer issues. CCF’s insight into consumer needs is a powerful tool for influencing decision-makers to bring about change. The Council protects the vulnerable groups such as rural poor, physically and mentally challenged, children and women by identifying and articulating the policy issues that are of importance to the consumers. It will do more than simply draw attention to problems faced by consumers - it will champion creative solutions to improve their lives. The Council would like to see consumers placed at the heart of new policies introduced by the Government. International Affiliations The Consumer Council of Fiji is a full member of the UK-based Consumers International (CI), a federation of consumer organisations representing over 240 organisations in 120 countries. The Council was elected in 2015 to serve the CI Council. The Council is also a member of the Committee on Consumer Policy of the International Organisation (COPOLCO) for Standardisation (ISO). -
Our Voices Annual Report 2017
Our influential Connected voices Annual report 2017 Contents 01 From our President 04 From our Director General 07 About Consumers International 09 Achievements and performance 10 International advocacy and campaigning 11 Building a digital world consumers can trust 16 Advancing excellence in global consumer protection 21 World Consumer Rights Day 23 Member connections, communications and brand development 26 Fundraising and Partnerships 27 Consumers International’s governance 30 Financial summary 31 Trustee statement From our President, bart combÉe this year I’ve been struck by the truly GlobalNature of consumers international In particular the excellent work it does to balance global priorities that ultimately benefit all members and consumers with vital work to connect members and the project activities it undertakes for the benefit of consumers in specific countries and regions. 01 Consumers International Annual Report 2017 From our President, bart combÉe Continued A truly global organisation This year the Board has continued to support Consumers International to build its platform for ongoing success. In this respect it’s been a very rich year. With the governance changes that were implemented Our global reach included: in 2015 running effectively the Board, with advice from the Council, has focused on supporting the realignment • our Connecting Voices report explored how of Consumers International’s strategy and working consumer digital issues are presenting themselves to ensure a sustainable financial future. in selected Latin American, African and Asian countries and where the opportunities are to Following our annual Council meeting in November, focus resources to more effectively achieve the strategy development and updates that were agreed positive change. -
Making Thesale
SEPTEMBER 2013 america’s TM Published by the National Community Pharmacists Association PHARMACISTTHE VOICE OF THE COMMUNITY PHARMACIST Making theSale INTRODUCING RXWIKI • TOC OPPORTUNITIES • HIT SOLUTIONS • Find us on Facebook, Twitter, and Google+ www.americaspharmacist.net You have the power to protect your community from meth abuse. NOW YOU HAVE THE PRODUCT. NEXAFED IS A NEXT-GENERATION PSE that provides the nasal congestion relief your patients expect and the meth-deterring technology you want to help keep your community safe. Recommend Nexafed with confi dence. It’s the only meth-deterring PSE With demonstrated bioequivalence to Sudafed® immediate release PSE tablets* That meets the U.S. Pharmacopeial Convention (USP) standard for dissolution1 With Impede® technology that disrupts extraction and conversion of PSE to meth JOIN THE FIGHT. NCPA Annual Convention. Join us at booth #536. STOCK AND RECOMMEND NEXAFED. VISIT E-DETAIL AT NEXAFED.COM Sudafed is a registered trademark of Johnson & Johnson *Using U.S. Food and Drug Administration (FDA) bioequivalence criteria. 1. Data on fi le, Acura Pharmaceuticals, Inc., Palatine, IL. 13NEX024.2 13NEX024_2-Journal_Ad_AmPharm_M.indd 1 7/19/13 12:09 PM Rx PHARMACY Hang up tHe wHite coat. Take on the Role of a Multi-Store Owner. If you are considering becoming a multi-store owner, Live Oak Bank can customize a loan to meet your financing needs. We understand your entrepreneurial drive and support your desire to expand your existing business. Let us help you grow. Contact our Senior Loan Officers for additional information. Ed Webman, RPh Whitney Bouknight Sarita Vora 407.539.0396 910.798.1205 404.995.2004 www.liveoakbank.com/ncpa • 866.730.0938 ©2013 Live Oak Banking Company. -
Steven Foster Photography Medicinal Plants- Volume 1 CD-ROM
lndena science. There before it even started growing. Still there We put our 80 years of after scientific expertise and consumers commitment to quality to work even before our raw buy your materials germinate. product. We supervise plant cultivation and ensure Good Agricultural Practices are observed. We don't let up for a moment during the extraction of active principles, in accordance with Good Manufacturing Practices. And our exhaustive analysis of the finished product, using validated methods, allows you to offer your customers the quality standards of tomorrow, today. To have the world leader as a partner, just get in touch. I ch inde_.,.- www.indena.it Headquarters: lndena S.p.A.- Viale Ortles, 12-20139 Milan -Italy- tel. +31t;Ui~ lndena USA, Inc. -1001 Fourth Avenue Plaza, Suite 3714- Seattle, WA 98154 -tel. lndena USA East, Inc.- 1719 Route 10 East, Suite 311 -Parsippany, NJ 07054- tel. The American Botanical Council Invites You to Join Us The American Botanical Council is the leading nonprofit education and research organization disseminating science-based information to promote the safe and effective use of medicinal plants and phytomedicines. Join those who have discovered the value of membership! ince 1988, the nonprofit American Botanical Council Educational Literature has worked to educate the public, healthcare practition S ABC continues to develop and dis ers, media, and government agencies on the safe and effec tribute educational literature to tive use of medicinal plants and phytomedicines. Individu advance the field of phytomedicine. als, organizations and companies who share our vision As an independent research organi support our goals through membership. -
The Current Landscape for Direct-To-Consumer
ANRV353-GG09-09 ARI 30 July 2008 4:18 ANNUAL The Current Landscape for REVIEWS Further Click here for quick links to Annual Reviews content online, Direct-to-Consumer Genetic including: • Other articles in this volume Testing: Legal, Ethical, and • Top cited articles • Top downloaded articles • Our comprehensive search Policy Issues Stuart Hogarth,1 Gail Javitt,2 and David Melzer3 1Department of Social Sciences, Loughborough University, Loughborough LE11 3TU, United Kingdom; email: [email protected] 2Genetics and Public Policy Center, Johns Hopkins University, Washington, DC 20036; email: [email protected] 3Epidemiology and Public Health Group, Peninsula Medical School, Exeter EX2 5DW, United Kingdom; email: [email protected] by JOHNS HOPKINS UNIVERSITY on 10/06/08. For personal use only. Annu. Rev. Genom. Human Genet. 2008.9:161-182. Downloaded from arjournals.annualreviews.org Annu. Rev. Genomics Hum. Genet. 2008. 9:161–82 Key Words The Annual Review of Genomics and Human Genetics personalized genomics, government regulation, DNA profiling is online at genom.annualreviews.org This article’s doi: Abstract 10.1146/annurev.genom.9.081307.164319 This review surveys the developing market for direct-to-consumer Copyright c 2008 by Annual Reviews. (DTC) genetic tests and examines the range of companies and tests All rights reserved available, the regulatory landscape, the concerns raised about DTC 1527-8204/08/0922-0161$20.00 testing, and the calls for enhanced oversight. We provide a comparative overview of the situation, particularly in the United States and Europe, by exploring the regulatory frameworks for medical devices and clini- cal laboratories.