Identity Theft Laws – How The Legal System Can Protect You

l information to carry out a crime under a false identity.

In 2003, the Federal Trade Commission said that reports of identity theft were up 33% from the year before, that they were aware of over 200,000 cases of identity theft in 2003. States with the most reported cases of identity theft were Arizona, Nevada, California, Texas, and Florida. And for almost three quarters of the fraud cases reported, the use of victims’ personal information was used for credit card, phone or utility, or bank fraud. They also found that, on average, the misuse of victims’ personal information lasted from three to six months and resulted in a total loss of about $5 billion to victims, plus over 300 million hours of personal time resolving the problems once discovered.

The 2003 FTC Survey reported over $50 billion in losses to business as a result of identity theft. They also reported that, in that year, each victim spent from $500 to $1200 and from 30 to 60 personal hours to have their credit problems resolved. Unfortunately, there is little hope that this trend will decrease in the near future. Identity theft seems to be getting easier, not harder, and the criminals are learning how to hide their crimes from victims longer and to hide their person from law enforcement altogether.

Unfortunately, there is no single database in the U.S. covering identity theft cases, and the Committee suspects that the number of crimes are vastly underreported. Classifying these crimes as identity theft varies from state to state and from police department to police department. The 2003 study revealed that 60% of victims of identity theft had not reported the crime to their police department! Only one in five had even reported the problem to their credit bureau.

Identity theft crimes are investigated at the federal level by federal agencies like the Secret Service and the FBI. The Department of Justice usually prosecutes the cases through a local U.S. Attorneys’ office. In 2000, U.S. Attorneys reported that they had filed over 2000 cases of identity theft across the country (compare this to the 9 million victims per year). That year, the Secret Service made over 3000 arrests, and average actual loses to victims in cases that were closed equaled over $46,000 each. The FBI reported 1425 convictions for identity theft, over a thousand of those for bank fraud. The Postal Inspection Service made a little over 1700 arrests in 2000. Even the IRS reported actual and suspected cases of identity theft in questionable tax returns in 2000, estimating that they had received around 150 thousand fraudulent returns and fraudulent claims for more than $750 million in refunds. Today, the federal government recognizes that identity theft is the fastest-growing financial crime in America.

One reason for the apparently low proportion of prosecutions and convictions for identity theft has been the government’s inability to define the specific crimes. In 1998, Congress passed the first law addressing identity theft, the Identity Theft and Assumption Deterrence Act, …

Should I Become a Clinical Psychologist?

What is Clinical Psychology?

Clinical Psychology combines theory, science and practice. As a clinical psychologist, you would deal with the cause, prevention, diagnosis and treatment of those with psychological problems. These problems can very greatly in severity and seriousness, from disorders such as schizophrenia, bipolar disorder and substance abuse to problems related to stress, career planning and family.

If you don’t like school – it may be time to consider another career. Job opportunities are limited for those with a bachelor’s clinical psychology degree. If you want to work in your own private practice, then you will need to become licensed. This is done to ensure “quality” that is equivalent across clinical practitioners.

A doctorate degree is usually required for independent practice as a clinical psychologist as well as many other career options such as academic and research. A master’s degree will allow you sufficient choice in careers, but it will also limit you in career advancement. A master’s clinical psychology degree program requires 2 years of full time study and it may be best if you think about it as allows you to start off your career and ease into a doctoral degree program.

Where do Clinical Psychologist Work?

With a clinical psychology degree you could work in a:

  • private practice
  • school or college
  • hospital
  • physical rehabilitation centers
  • mental health facilitates

Careers with a Clinical Psychology Degree

With a clinical psychology degree you could choose among a vast number of careers. You could focus:

Research – focus on assessment and testing of therapies, drug treatments or patient interventions.

Counseling – advise individuals in group or family settings or conduct one to one meetings with patients. This type of career is perfect if you like giving advice and helping people.

Faculty – you could decide to share your knowledge with other aspiring clinical psychologist and become a member of the faculty team. In this role you would train students in providing mental health services to a wide range of clients.

According to the US Department of Labor, jobs for psychologists are expected to grow 15% from 2006-2016. This is faster than average for all other occupations. Given the raise in health care costs, prevention and treatment have become more critical. According to the same source, median annual earnings for clinical psychologist were $59,440 (data from May 2006).…

Los Angeles Lasik Eye Surgeons

LASIK is one type of laser eye surgery that is commonly performed for the correction of myopia, astigmatism and hyperopia.Surgeons in Los Angeles and Beverly Hills area are considered the best lasik eye surgeons in America.They also perform ther laser eye procedures like : Lasek or PRK.

Here is a list of the best Lasik eye surgeons in Los Angeles.

– Brian S. Boxer Wachler, MD.
Dr Wachler is a board-certified ophthalmologist who has devoted his career to lasik eye surgeries.He is well known in California and in the United States for his expertise in Lasik surgeries.He has performed Lasik eye surgeries on many celebrities including Mimi Rogers and NBA player Derek Fisher.
His main office is located on Roxbury Drive in the Beverly Hills area of Los Angeles.

– David A. Wallace, MD.
David Wallace, MD is a board-certified ophthalmologist specializing in Lasik and other methods of vision correction. He has performed over 11 000 LASIK treatments and over 5 000 lens implant procedures.Dr Wallace is also the inventor of several instruments used by eye care professionals worldwide such as : the Tono-Pen Tonometer (measures eye pressure, important in diagnosis and management of glaucoma), the Bio-Pen A-scan and the Pach-Pen Pachymeter.

– Andrew Caster, MD
Dr. Caster is a Clinical Instructor in Ophthalmology at the UCLA Jules Stein Eye Institute and he’s certified by the American Board of Ophthalmology.Dr. Caster has performed over 14 000 procedures to correct astigmatism, farsightedness and nearsightedness.Dr. Caster’s work has been featured in many magazines and newspapers like The Los Angeles Times , The Wall Street Journal and Newsweek.Dr. Caster was selected in 1999 by Los Angeles Magazine as the "Best Laser Eye Surgeon in Los Angeles".

-Kerry Assil, MD
Kerry K. Assil, MD, is regarded as one of the world’s foremost experts in refractive surgery.Dr. Assil received his undergraduate degree from University of California and completed his medical training at the University of California, San Diego. Currently, Dr. Assil is the Medical Director and CEO of the Assil Eye Institute in Santa Monica, California.

-Robert Lin, MD
Dr. Lin has successfully performed over 10 000 refractive procedures in his carrer.Dr. Lin received his undergraduate education from UC Berkeley and completed his residency in ophthalmology and is an Assistant Clinical Professor at the Jules Stein Eye Institute at UCLA.…

10 things to expect from your business intermediary

Buying or selling a business is complex task as there are so many moving parts.  The moving parts obviously include the buyer and seller but may also include lenders, landlord, franchisors, attorneys, accountants, customers, suppliers, competitors, employees and others.  Just as you can get help from a residential real estate to buy or sell a house, there are also business brokers or intermediaries who provide the services of an intermediary.  If you are looking for the help of an intermediary or business broker, consider the following.

1.  Trust and Ethics. 

When selling your business you want to feel assured the intermediary has a strong commitment to trust and ethics so you know your business and its interests are fully protected.  Getting an ethical and trust commitment from your business broker is the most important ingredient.  It is critical and should be non-negotiable.

2.  Real Estate License. 

Many states in the US require a business broker to hold a real estate license in order to represent an owner of property in a sale and be paid for providing that service.  In California, a license is issued by the California Department of Real Estate for two types of persons; a Broker and a Sales Agent.  A Broker can either work for themselves or choose to hire Sales Agents that work under the Broker.

3.  Specialization. 

Does the Business intermediary you are considering hiring specialize in either residential sales, business opportunities, commercial real estate, mortgages or finance  or a combination of these?  Because of the complexities and differences of each markets, most Brokers or Sales Agents tend to specialize in one area.  Even within these broad specializations there are specialists.  For example, in business opportunities, if a transaction is greater than $5,000,000 there are there are Broker/Sales Agents that specialize in this market called M&A intermediaries.

4. Experience

Has the Business Intermediary owned and operated a business?  Business ownership teaches many skills and requires a unique understanding of what is involved in owning and operating a business.  When detailed negotiations take place between the business owner and a potential buyer, all the options must be explored, fully considered and understood.

5.  Accreditations. 

Does the have formal training or education to support the service they provide?  There are different types of accreditations with some including the Certified Business Intermediary (CBI) from the International Business Brokers Association and the Certified Business Broker (CBB) from the California Association of Business Brokers.

6.  Association memberships. 

Accreditations are good, staying up with the accreditations is better.  To see if a Business Intermediary is a member of their industry association, check the International Business Brokers Association (IBBA) at http://www.ibba.org or search the web for “Business Broker Organization” in the state where you live.

7.  Communicates and explains clearly 

Selling or buying a business requires dealing in financial, legal, industry and other forms of jargon.  Are you able to communicate easily and clearly with your Business Intermediary and understand what they are talking about?

8.  Network of professionals. 

Selling a …

Many Choices for the Nursing Master of Science Degree

There are many choices when one decides to earn a Nursing Master of Science degree.  There are different areas of specialization that one can go into, for starters, and options such as post MSN certificates to further one’s education and increase career opportunities.  There are also different types of schools including state colleges, private institutions and universities with religious affiliations.  Many people choose to attend schools with religious affiliations where they are also required to learn about theology & ministry, even if they are not particularly religious themselves, simply because of the well-roundedness and high quality of the education.

The Nursing Master of Science is an advanced degree that comes after one has already earned a bachelor’s degree and completed a credentialing program to become a registered nurse.  For those who have the R.N. without a Bachelor of Science in Nursing, it is also necessary to take three courses in the writing/research inquiry process and RN to MSN transition process.  The curriculum combines instruction, research, and public service opportunities for nursing professionals.  All Nursing Master of Science students in a religious institution will typically take courses such as Theoretical Foundations and Nursing Research, Teaching Faithfully: Communicating with Adult Learners in a Diverse Society, Healthcare Issues, and Ethics and Politics from a Christian Perspective in addition to their core classes and thesis. 

In order to complete post MSN certificates, it is also necessary to complete courses including Advanced Assessment and Health Promotion Across the Lifespan, Advanced Pathophysiology, Advanced Pharmacology, Development of Educational Programs in Nursing, Nursing Education Role Practicum, Advanced Educational Psychology, Mental Health Nursing, Medical-Surgical Nursing, Gerontological Nursing and/or Family Health Nursing.  Schools that require courses in theology & ministry may tend to instill more of an ethical and religion-based viewpoint in their coursework, but they must always adhere to strict standards to remain accredited just like any other university and will always use the latest scientific information and technology.

There are also post MSN certificates for nurse educators, which may also include courses in faith and philosophy in the course of training.  All nurses must also do a required amount of clinical work and research in addition to a thesis in order to earn any of these advanced graduate degrees.  There are many choices and many directions a nurse can go down; as long as he or she does so faithfully it is a boon for society.…