U.S. Ambassador to Ethiopia�s Self-Help Program is now accepting Application for Assistance

U.S. Ambassador to Ethiopia�s Self-Help Program is now accepting Application for Assistance: "The Ambassador's Special Self-Help program is accepting applications from June to August for projects which will be funded in the coming fiscal year. Your project may be eligible for funding through the Ambassador's Special Self-Help Program, which provides development assistance to community projects which meet the following criteria. "

Watercraft Warning: Before Taking A Spin, Make Sure Your Jet Ski Is Insured.

Watercraft Warning: Before Taking A Spin, Make Sure Your Jet Ski Is Insured.: "EW YORK, August 8, 2005 � Sea Doos, Wave Runners and other personal watercraft are fun and so easy to use that you can get a false sense of security, according to the I.I.I.

Each year there are thousands of serious injuries and in 2003 there were 57 reported fatalities, according to the United States Coast Guard."

Are You Bipolar? An Online Assessment Screenong Tool

Are You Bipolar? An Online Assessment Screenong Tool: "This questionnaire was developed to help you recognize the signs of bipolar disorder. Bipolar disorder is a complicated illness and no single questionnaire or test can be used to accurately diagnose this illness. Accurate diagnosis is obtained only through a thorough evaluation with a physician. This questionnaire is a good first step in discovering if you might have this illness but it is not meant to take the place of an evaluation by a physician or a mental health professional."

Home Equity Loan Resources

Home Equity Loan Resources

Survey Uncovers Surprising Attitudes Towards HIV Vaccine Research

Survey Uncovers Surprising Attitudes Towards HIV Vaccine Research:

"A survey of U.S. adults has found that a majority believe that HIV vaccines are the best hope for controlling the global AIDS epidemic and are confident such vaccines can be made. But while most of those surveyed felt it personally important to help support HIV vaccine research, a majority expressed reluctance to support a friend or family member�s participation in an HIV vaccine clinical trial.
These were among the conflicting "

High Milk Intake May Boost Ovarian Cancer Risk

High Milk Intake May Boost Ovarian Cancer Risk: " (HealthDay News) -- High intakes of whole milk and lactose might be associated with an increased risk of ovarian cancer, suggests a review of 21 published studies.
However, since the association was a weak one, the new report is no reason to stop drinking milk in moderation, the researchers note.
This new meta-analysis appears in the Aug. 5 online issue of the International Journal of Cancer."

August 2005 Update to Atlantic Hurricane Season Outlook

August 2005 Update to Atlantic Hurricane Season Outlook

NOAA is calling for a 95% to 100% chance of an above-normal 2005 Atlantic hurricane season, according to a consensus of scientists at National Oceanic and Atmospheric Administration's (NOAA) Climate Prediction Center (CPC), Hurricane Research Division (HRD), and National Hurricane Center (NHC). This forecast reflects NOAA’s highest confidence of an above-normal hurricane season since their outlooks began in August 1998.

Understanding Web Site Certificates

Understanding Web Site Certificates

an organization wants to have a secure web site that uses encryption, it needs to obtain a site, or host, certificate. Some steps you can take to help determine if a site uses encryption are to look for a closed padlock in the status bar at the bottom of your browser window and to look for "https:" rather than "http:" in the URL

Understanding Web Site Certificates

Understanding Web Site Certificates

an organization wants to have a secure web site that uses encryption, it needs to obtain a site, or host, certificate. Some steps you can take to help determine if a site uses encryption are to look for a closed padlock in the status bar at the bottom of your browser window and to look for "https:" rather than "http:" in the URL

Warning Pig Owners: Human Illness Associated With Contact With Pigs, China

Warning Pig Owners: Human Illness Associated With Contact With Pigs, China: "According to the World Health Organization (WHO), as of August 3, 2005, the Ministry of Health of China has reported 206 human cases, including 38 deaths, from an illness that presents with fever, malaise, nausea, and vomiting, and rapidly progresses to meningitis, subcutaneous hemorrhage, toxic shock, and coma. Adult male farmers residing in the southwestern province of Sichuan have been primarily affected. Although Chinese health authorities are attributing this outbreak to Streptococcus suis, a bacterium that mainly affects pigs, insufficient data are available for confirmation. WHO is monitoring the situation closely and recommending further diagnostic tests, as a large outbreak from this disease in humans is not typical."

Seventh Anniversary of the 1998 Bombings in East Africa

Seventh Anniversary of the 1998 Bombings in East Africa
Today marks the seventh anniversary of the terrorist bombings of the U.S. embassies in Nairobi, Kenya and Dar es Salaam, Tanzania. More than 200 Americans, Kenyans, and Tanzanians died in these heinous attacks, and approximately 5,000 people were injured.

Is 2005 the Final Year to Apply for a Diversity Visa?

Is 2005 the Final Year to Apply for a Diversity Visa?

SANTA BARBARA, CA -- August 8, 2005 -- If the immigration reform bill introduced by John Cornyn (R-Texas) and Jon Kyl (R-Arizona) is passed by the Senate, the diversity visa lottery may no longer exist. This popular U.S. State Department program, long the ire of anti-immigrant groups, is now a convenient target of those fearing terrorists will the win the lottery and gain permanent residence. Regardless whether most Americans support the immigration lottery, winning and obtaining a visa is too important to be left to chance, and this year’s lottery could be the final opportunity for millions of prospective immigrants to register.

Golf Courses and the Environment

Golf Courses and the Environment
As golf courses spread rapidly across the United States, questions about possible contamination of waterways from pesticides and fertilizers in golf course runoff become more urgent.

Avian Influenza – Situation In Viet Nam – Update 27

Avian Influenza – Situation In Viet Nam – Update 27
Avian Influenza – Situation In Viet Nam – Update 27

Outbreak Notice: Outbreak: Polio, Ethiopia :Update

Outbreak Notice: Outbreak: Polio, Ethiopia
According to the World Health Organization (WHO), additional laboratory-confirmed cases of type 1 poliovirus have been reported from Ethiopia, bringing the total number of cases to 14 since the outbreak was first reported in February 2005. Prior to the detection of a polio case (with onset of paralysis on December 21, 2004) in the country’s Tigray region, Ethiopia had been polio-free since 2001. Polio cases have now been reported from the Tigray and Amhara regions in northern Ethiopia. The cases in Ethiopia have been virologically linked to a large-scale polio outbreak in Sudan that began in May 2004.

Situation in Sudan -Violence in Khartoum

Situation in Sudan -Violence in Khartoum
The United States is deeply concerned over reports of violence in Khartoum. We echo the calls of the Government of National Unity, the Sudan People’s Liberation Movement, and Mrs. Rebecca Garang that the Sudanese refrain from violence.

Got Hot Weather and No Relief? Wise Choices if You Don’t Have Air Conditioning

Got Hot Weather And No Relief? Wise Choices If You Don’t Have Air Conditioning
If you are dealing with hot weather and are without air conditioning, the following tips offered by the U.S. National Institute for Health can help.

Department of Transportation Publishes Guide to Help Employees Understand its Drug and Alcohol Testing Program

Department of Transportation Publishes Guide to Help Employees Understand its Drug and Alcohol Testing Program
The US Department of Transportation’s Office of Drug & Alcohol Policy & Compliance has written a guide for employees to help explain the DOT drug and alcohol testing rules. The guide, What Employees Need to Know about DOT Drug & Alcohol Testing, provides answers in a language that each and every employee will understand.

The National Cancer Institute (NCI) is Recruiting Patients With Malignant Mesothelioma for StudyThe

The National Cancer Institute (NCI) is Recruiting Patients With Malignant Mesothelioma for StudyThe purpose of this study is to see if combination chemotherapy works better with or without bevacizumab in treating patients who have malignant mesothelioma.

U.S. Embassy Launches Diversity Visa (DV) Awareness Campaign Reaching Out to Fight Fraud - Addis Ababa, Ethiopia (U.S. Embassy)

U.S. Embassy Launches Diversity Visa (DV) Awareness Campaign Reaching Out to Fight Fraud
Addis Ababa, Ethiopia (U.S. Embassy) – The U.S. Embassy in Addis Ababa wants to make sure that all Ethiopians have the information they need to make informed decisions about the U.S. Government’s annual Diversity Visa (DV) program. Misinformation, misunderstanding, and outright lies from dishonest businesses and individuals have the potential to cost members of the public both time and money, and even to make applicants participants in serious fraud schemes that could make them ineligible for visas for the rest of their lives.

Cell Phone Use While Driving—A Dangerous Distraction.

Cell Phone Use While Driving—A Dangerous Distraction.
A new report from the Insurance Information Institute, Inc. reveals new statistics about motorists who use cell phones while driving.

Cell Phone Use While Driving—A Dangerous Distraction.

Cell Phone Use While Driving—A Dangerous Distraction.
A new report from the Insurance Information Institute, Inc. reveals new statistics about motorists who use cell phones while driving.

Sri Lanka Travel Warning and Alert

Sri Lanka Travel Warning and Alert
Travelers planning to visit Sri Lanka should consult with travel agencies or the Sri Lankan Tourist Board to ensure their itineraries take due to civil war and related urban terrorism have seriously disrupted the country. Travelers should take these recent events into account and plan accordingly.

New Topical Vaginal Microbicides for Women May help Reduce HIV and other Sexually Transmitted Diseases (STD’s)

New Research On Topical Vaginal Microbicides For Women may help Reduce the Spread Of HIV and other Sexually Transmitted Infections
The National Institute of Allergy and Infectious Diseases (NIAID), part of the National Institutes of Health, today announced an agreement with the International Partnership for Microbicides (IPM) to share information and expertise in an effort to develop vaginal microbicides, which are creams, gels or other substances that can be applied topically and may reduce the transmission of HIV and other sexually transmitted infections.

Advertising.com Settles FTC Adware Charges - Free Software Advertised Security Benefits But Didn’t Disclose Bundled Adware

Advertising.com Settles FTC Adware Charges - Free Software Advertised Security Benefits But Didn’t Disclose Bundled Adware
Advertising.com., Inc., now a subsidiary of America Online, Inc., has agreed to settle FTC charges that it violated federal law by offering free security software, but failing to disclose adequately that adware was bundled with that software. The settlement will require that the company clearly and prominently disclose adware bundled with software advertised to enhance security or privacy. “This company offered SpyBlast, a free security program to protect against hackers,” said Lydia Parnes, Director of the FTC’s Bureau of Consumer Protection. “But consumers who downloaded SpyBlast also downloaded a form of software that followed their electronic comings and goings and force-fed them pop-up ads.”

New Hot Weather Emergency Regulations Will Effect California Construction Sites

New Hot Weather Emergency Regulations Will Affect California Construction Sites
SACRAMENTO -- Governor Arnold Schwarzenegger has proposed emergency regulations that will affect many of California's more than 290,000 licensed contractors. Yesterday, the Governor outlined the proposal, which covers all Californians who work outdoors. That includes highway workers, farm workers, landscapers and construction workers. He's urging the California Occupational Safety and Health Administration (Cal/OSHA) Standards Board to adopt these regulations at a special meeting August 12. He's also asking that all employers implement the regulations immediately.

INSURANCE COMMISSIONER JOHN GARAMENDI ISSUES REPORT ON THE CRISIS IN CALIFORNIA BROKEN HEALTH CARE

INSURANCE COMMISSIONER JOHN GARAMENDI ISSUES REPORT ON THE CRISIS IN CALIFORNIA BROKEN HEALTH CARE
SAN FRANCISCO – Warning that California’s health care system is in a “death spiral,” Insurance Commissioner John Garamendi on Wednesday unveiled a comprehensive report outlining his plan to begin reforming the system and bring universal access to health care. The report, “Priced Out,” details serious problems facing Californians as rising costs burden the entire health system and fray the safety net. Its findings will be used to provide the framework for the concerted effort by Commissioner Garamendi to begin reform of the system and to lay the groundwork for universal access to health care.

KB Home to Pay $2 Million Penalty for Alleged Violations of FTC Order - New Home Warranties Repair Problems

KB Home to Pay $2 Million Penalty for Alleged Violations of FTC Order - New Home Warranties Repair Problems
Under the terms of a stipulation and modified consent decree approved by the Federal Trade Commission and submitted in federal court by the U.S. Department of Justice (DOJ), KB Home, a California-based homebuilder formerly known as Kaufman and Broad, Inc., will pay a $2 million civil penalty to settle charges that it violated the terms of a 1979 consent order with the Commission. The modified consent decree also bars KB Home from violating the terms of the original order in the future, and requires the company to modify existing home repair warranties to comply with the consent order and extend for one year certain homeowners’ two-year warranty coverage for major home components. The FTC also has issued a new publication for consumers to help them understand the issue of home warranties.

More Than Half the U.S. Population is Sensitive to One or More Allergens

More Than Half the U.S. Population is Sensitive to One or More Allergens
More than fifty percent of the U.S. population tested positive to one or more allergens, according to a large national study. The new findings, based on data from the third National Health and Nutrition Examination Survey (NHANES III), shows that 54.3% of individuals aged 6-59 years old had a positive skin test response to at least one of the 10 allergens tested. The highest prevalence rates were for dust mite, rye, ragweed, and cockroach, with about 25% of the population testing positive to each allergen. Peanut allergy was the least common, with 9% of the population reacting positively to that food allergen.

Help for Homeowners who are Delinquent in their Mortgage

Help for Homeowners who are Delinquent in their MortgageThe federal government and the mortgage industry have partnered to assist those homeowners who have been negatively impacted by recent changes in the economy, or are concerned about the future. The mortgage lenders listed below are voluntarily participating in this special effort. If your lender is listed here, you can help protect your home by contacting them immediatelyAug 3, 2005, 06:36

Pros and Cons of Adjustable-Rate Mortgages

Pros and Cons of Adjustable-Rate Mortgages
Adjustable-rate mortgages (ARMs) are popular because they usually start with a lower interest rate and a lower monthly payment. The lower rate (and lower monthly payments) may also allow a higher loan amount. However, the interest rate can change during the life of the loan, which would mean that your monthly payment would increase (or decrease).

Do You Have Poor Credit? How To Be Credit Smart

Do You Have Poor Credit? How To Be Credit Smart
A free online interactive guide to help consumers build, understand and maintain good credit.

New Website for Funding Opportunities and Grants Offered by the CDC

New Website for Funding Opportunities and Grants Offered by the CDC
Effective immediately, you can find all grant funding opportunity announcements through their new site. As of October 1, 2005, the Centers for Disease Control and Prevention (CDC) will discontinue publishing grant funding opportunity announcements in the Federal Register.Aug 2, 2005, 06:25

Need A Restraining Order?

Need A Restraining Order?
A restraining order is court order that protects you from physical, emotional, or financial abuse. It can also protect you from being stalked or harassed. This self-help guide provides Californians with the help they need in obtaining a restraining order.

California Identify Theft Statistics

California Identify Theft Statistics
Identity theft is one of the fastest growing crimes in America. Victims come from all walks of life - from everyday people to celebrities like Tiger Woods and Rosie O'Donnell.

Breastfeeding and Travel - A How to Guide

Breastfeeding and Travel - A How to GuideTravel need not be a reason to stop breastfeeding. A mother traveling with a nursing infant may find breastfeeding makes travel easier than it would be if traveling with a bottle-fed infant. A mother traveling without her nursing infant or child may take steps to preserve breastfeeding and maintain her milk supply while separated. The major factors for a mother traveling without her nursing infant or child to consider are the amount of time she has to prepare for her trip, her flexibility of time while traveling, her options for storing expressed milk while traveling, the duration of her travel, and her destinationAug 2, 2005, 06:47

State Contractors Board Stings Unlicensed Operators in San Diego Area Undercover Operation

State Contractors Board Stings Unlicensed Operators in San Diego Area Undercover Operation
SACRAMENTO -- The Contractors State License Board (CSLB) is alerting consumers to the dangers of hiring unlicensed contractors following a successful sting and sweep in Chula Vista. CSLB's Statewide Investigative Fraud Team (SWIFT), in partnership with the Chula Vista Police Department and Chula Vista Planning and Building Department, conducted the two-day undercover operation. California’s huge underground economy is fueled in part by unlicensed contractors who prey upon consumers and hurt legitimate business people. It is estimated that California loses between $60 and $140 billion a year in revenue due to this underground economy.

Screening for Peripheral Arterial Disease - Summary of Recommendations

Screening for Peripheral Arterial Disease - Summary of Recommendation
The USPSTF found fair evidence that screening with ankle brachial index can detect adults with asymptomatic PAD. The evidence is also fair that screening for PAD among asymptomatic adults in the general population would have few or no benefits because the prevalence of PAD in this group is low and because there is little evidence that treatment of PAD at this asymptomatic stage of disease, beyond treatment based on standard cardiovascular risk assessment, improves health outcomes.

BAY AREA MAN PLEADS GUILTY IN $4 MILLION FRAUDULENT INSURANCE POLICY SCHEME

BAY AREA MAN PLEADS GUILTY IN $4 MILLION FRAUDULENT INSURANCE POLICY SCHEME
BENICIA – A former insurance broker/agent faces up to 20 years in prison after pleading guilty in New York to conspiracy charges related to insurance fraud. The case stems from the findings of a joint investigation by the California Department of Insurance Investigation Division (CDI), and United States Postal Inspection Service (USPIS).

How to Change Your Name in California

How to Change Your Name in California
A guide by the California Courts Department on how to change your name in the state of California

Sportcraft Announce Recall of Treadmills

Sportcraft Announce Recall of Treadmills
WASHINGTON, D.C. - The U.S. Consumer Product Safety Commission announces the following recall in voluntary cooperation with the firm below. Consumers should stop using the recalled product Tredex 6.0, TX 440 and TX 550 Treadmills immediately unless otherwise instructed.

CPSC, American Suzuki Motor Corp. Announce Recall of ATVs

CPSC, American Suzuki Motor Corp. Announce Recall of ATVs
The following product safety recall was conducted voluntarily by the firm in cooperation with the CPSC. Customers should stop using the : Suzuki 2004-2005 TwinPeaks™ All-Terrain Vehicles (ATVs) immediately unless otherwise instructed.

Perrigo Company Announces Nationwide Recall of Infants’ Oral Drops Containing Enclosed Syringe

Perrigo Company Announces Nationwide Recall of Infants’ Oral Drops Containing Enclosed Syringe
FOR IMMEDIATE RELEASE -- Allegan, MI -- July 29, 2005 -- The Perrigo Company (Nasdaq: PRGO; TASE) is voluntarily recalling all lots of concentrated infants’ drops that are packaged with a dosing syringe bearing only a “1.6 mL” mark containing:

Rival® Slow Cookers ( Crock Pot) Emergency Recall

Rival® Slow Cookers ( Crock Pot) Emergency Recall
WASHINGTON, D.C. - The U.S. Consumer Product Safety Commission announces the following recall in voluntary cooperation with the firm below. Consumers should stop using the Rival® Crock-Pot® slow cookers with model numbers 3040, 3735, 5025, 5070 and 5445 immediately unless otherwise instructed

Using Second Mortgages ( Reverse Mortgages) to Pay For Long-Term Care

Using Second Mortgages ( Reverse Mortgages) to Pay For Long-Term Care
A reverse mortgage is a special type of home loan that lets a homeowner convert a portion of the equity in his or her home into cash. The equity built up over years of home mortgage payments can be paid to you. But unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence. HUD's reverse mortgage provides these benefits, and it is federally-insured as well. To obtain a HUD-insured reverse mortgage you must be 62 years of age or older; own your home outright, or have a low mortgage balance that can be paid off at the closing with proceeds from the reverse loan; and must live in the home.

Home Equity Scams: Buyer Beware

Home Equity Scams: Buyer BewareDo you own your home? If so, it's likely to be your greatest single asset. Unfortunately, if you agree to a loan that's based on the equity you have in your home, you may be putting your most valuable asset at risk.Jul 30, 2005, 06:14

Video Games: Reading the Ratings on the Games People Play

Video Games: Reading the Ratings on the Games People Play
Video and computer games are popular among people of all ages. A recent study by the Kaiser Family Foundation found that 83 percent of children aged 8 to 18 live in homes with a video game console, and that 40 percent of them have the console in their bedroom.

FTC Wins $10 Million Judgment Against Fraudulent Debt Collectors

FTC Wins $10 Million Judgment Against Fraudulent Debt Collectors
The Federal Trade Commission has won a $10.2 million judgment against a debt- collection operation, National Check Control, and its principals – the estimated amount of consumer injury they caused. The amount represents the largest judgment in FTC history for violations of the Fair Debt Collection Practices Act (FDCPA). In addition, a federal district court judge has permanently banned the defendants from engaging in debt collection in the future.

For People on Debt Management Plans: A Must-Do List

For People on Debt Management Plans: A Must-Do List
Reputable credit counseling organizations employ counselors who are certified and trained in consumer credit, money and debt management, and budgeting. Those organizations that are nonprofit have a legal obligation to provide education and counseling.

NCAA Recruiting Young Audience for Beer Ads

NCAA Recruiting Young Audience for Beer Ads
The National Collegiate Athletic Association (NCAA) is actively building brand loyalty among young people in order to get them interested in sports and to boost the attractiveness of NCAA telecasts to advertisers. But those recruitment efforts may deliver more and more young viewers to Anheuser-Busch and other beer marketers which advertise heavily on college sports.

Kuwait Travel Warning and Public Announcement

Kuwait Travel Warning and Public Announcement
This public announcement is being updated to alert Americans to ongoing security concerns in Kuwait. U.S. citizens are reminded to maintain a high level of vigilance and to take appropriate steps to increase their security awareness. This public announcement supersedes the public announcement for Kuwait issued January 28, 2005 and expires on January 26, 2006.

Where to Apply for Student Loans and Student Aid

Where to Apply for Student Loans and Student AidA brochure on applying for student loans and student aid.Jul 27, 2005, 08:26

Borlaug Fellows Program for Ethiopia -Deadline August 15, 2005 -Ethiopia - Wheat Stem Rust – 2005

Borlaug Fellows Program for Ethiopia -Deadline August 15, 2005 -Ethiopia - Wheat Stem Rust – 2005 The United States Department of Agriculture (USDA) is pleased to announce the initiation of The Norman E. Borlaug International Agricultural Science and Technology Fellows Program (Borlaug Fellows Program) for Ethiopia on the subject of wheat stem rust Jul 27, 2005, 07:25

How to Dispute Credit Report Errors

Community Alerts How to Dispute Credit Report Errors
Your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies.Jul 27, 2005, 08:04International Related

Home Equity Conversion Mortgage Program - Reverse Mortgages

Home Equity Conversion Mortgage Program - Reverse Mortgages
The Home Equity Conversion Mortgage program enables older homeowners to withdraw some of the equity in their home in the form of monthly payments for life or a fixed term, or in a lump sum, or through a line of credit.

The Top 10 Home Improvements For Seniors

The Top 10 Home Improvements For Seniors
According to an AARP survey (May, 2000), the overwhelming majority of mid-life and older Americans want to remain living independently in their own homes and communities for as long as possible. The new survey found that seven in ten of those who are able to make changes to their homes have made at least one modification to make it easier for them to get around.

Combination Hormone/Vaccine Therapy for Prostate Cancer May Benefit Patients Whose Disease Returns

Combination Hormone/Vaccine Therapy for Prostate Cancer May Benefit Patients Whose Disease Returns A new study finds that a cancer vaccine combined with hormone-deprivation therapy can help patients with recurrence of prostate cancer. The results of this clinical trial, led by scientists at the National Cancer Institute (NCI), part of the National Institutes of Health, appear in the August 2005 issue of the Journal of Urology Jul 25, 2005, 07:34

ELABORATE ELDER FINANCIAL ABUSE SCHEME UNRAVELS—FORMER LIFE INSURANCE AGENT ARRESTED ON 29 FELONY COUNTS OF GRAND THEFT - SENIORS SCAMMED

ELABORATE ELDER FINANCIAL ABUSE SCHEME UNRAVELS—FORMER LIFE INSURANCE AGENT ARRESTED ON 29 FELONY COUNTS OF GRAND THEFT - SENIORS SCAMMED
SAN DIEGO – A sophisticated scheme of elder financial abuse involving over 10 elderly victims and three others scammed for more than $1.7 million ended with the arrest of a formerly licensed life insurance agent who offered securities in the form of promissory notes and never paid them when they came due. Glenn Martin III, 57, was arrested last Thursday on 29 felony counts of grand theft, including theft from an elder adult, making false statements in the sale of securities and tax evasion. Bail was set at $500,000

DOT Launches New Website to Assist Persons with Disabilities For Emergency Preparedness

DOT Launches New Website to Assist Persons with Disabilities For Emergency Preparedness
The U.S. Department of Transportation launched a new web site containing information to help ensure safe and secure transportation for persons with disabilities in the event of a disaster or emergency.

How to Buy a Brand New Car

How to Buy a Brand New Car

Do you love driving a brand new car, but hate the hassle of buying one? Well, we can help! Just take a look at the new booklet, Buying a New Car. It can help you in deciding what kind of car to buy, how to handle the negotiation process, and the best way to finance your purchase. You can even find some really great websites to help you in making this important decision!

CALIFORNIA CONTRACTOR'S Revised Warm-Air Heating, Ventilating and Air-Conditioning Study Guide

CALIFORNIA CONTRACTOR'S Revised Warm-Air Heating, Ventilating and Air-Conditioning Study Guide
California Contractors Revised For Examinations For Hvac Contractors Scheduled On August 31, 2005 Or After

HHS/CDC Global AIDS Program (GAP) in Ethiopia

HHS/CDC Global AIDS Program (GAP) in Ethiopia
Ethiopia is among the countries most heavily affected by the HIV/AIDS epidemic with the third largest population of HIV-infected persons living in Africa. It contributes approximately 4% of the world's total AIDS load.

California Updated Guide to Charitable Giving for Donors

Updated Guide to Charitable Giving for Donors

A How To Guide For Victims Of Identity Theft

A How To Guide For Victims Of Identity Theft
Victims of identity theft must act quickly to minimize the damage. It is very important to keep good notes of all conversations and records of all correspondence with your financial institutions and law enforcement agencies, including a log of the names, dates and phone number of persons you contacted. You also should confirm the information in writing. Sending your letters by certified mail, return receipt requested, will provide you with a record of your correspondence.Jul 25, 2005, 07:11

U.S. State Information on the Federal Democratic Republic of Ethiopia

Announcements U.S. State Information on the Federal Democratic Republic of Ethiopia
U.S.State Department Information on the Country of Ethiopia

Traveling With Your Pet Dog? What Do To Before Taking Your Pet Dog To Another CountryWhat

Traveling With Your Pet Dog. What Do To Before Taking Your Pet Dog To Another CountryWhat to do before taking your pet dog to another country

Five Percent Drop In The Number of Hate Crimes in California

Five Percent Drop In The Number of Hate Crimes in California -
(SACRAMENTO) – Attorney General Bill Lockyer today released the "Hate Crime in California 2004" report showing the number of hate crime events reported in California in 2004 decreased by 5.5 percent compared to 2003. The reduction in hate crime events is the third consecutive year of decreases. More importantly, the number of hate crime events, offenses, victims, and known suspects in 2004 are the lowest reported for the 10-year period between 1995 and 2004.

California Campaign Against Illegal Marijuana Planting Kicks Off 2005 Season - Nearly 300,000 Plants Valued at $1.8 Billion Already Seized

California Campaign Against Illegal Marijuana Planting Kicks Off 2005 Season - Nearly 300,000 Plants Valued at $1.8 Billion Already Seized
((SACRAMENTO) – Attorney General Bill Lockyer today announced the season kick-off for the 2005 Campaign Against Marijuana Planting (CAMP) eradication program."Pre-season enforcement have already resulted in the seizure of 300,000 plants, nearly half of them have been found on public lands," Lockyer said

Preparing for a Terrorist Bombing: A Common Sense Approach

Preparing for a Terrorist Bombing: A Common Sense Approach
Although terrorists use a variety of methods to inflict harm and create fear, bombs are used most frequently. According to the U. S. Federal Bureau of Investigation, bombings accounted for nearly 70 percent of all terrorist attacks in the U.S. and its territories between 1980 and 20011. This document focuses on common sense principles that will be useful in a bombing event.

How to Search for Unclaimed Funds

How to Search for Unclaimed Funds
The Federal Deposit Insurance Corporation (FDIC) provides deposit insurance to financial institutions and depositors of these institutions. If a financial institution is closed, by a regulatory agency, the FDIC is appointed as Receiver and is responsible for the payment of insured deposits and the liquidation of the remaining assets. If you did not claim your funds previously you now have another opportunity to do so. Review the "How to claim your funds" section below and complete the attached form.

Georgia Firm Recalls Chicken Products for Possible Listeria Cross Contamination

Georgia Firm Recalls Chicken Products for Possible Listeria Cross Contamination
WASHINGTON, July 21, 2005 - Tip Top Poultry, Inc., a Rockmart, Ga., firm, is voluntarily recalling approximately 170 pounds of cooked chicken products that may be contaminated with Listeria monocytogenes, the U.S. Department of Agriculture's Food Safety and Inspection Service announced today

Target Announce Recall of Children’s Toy Trucks

Target Announce Recall of Children’s Toy Trucks
WASHINGTON, D.C. – The U.S. Consumer Product Safety Commission, in cooperation with the firm named below, today announced a voluntary recall of the “Hot Way Cool Free Wheel Trucks”. Consumers should stop using recalled products immediately unless otherwise instructed.

Risky Home Loans and Mortgages - Beware of these Home Loans

Risky Home Loans and Mortgages - Beware of these Home Loans
Consumer Reports looks at the riskiest home loans and mortgages and why they don't recommend them.

INSURANCE COMMISSIONER JOHN GARAMENDI ANNOUNCES MAJOR SETTLEMENT AGREEMENTS WITH TITLE INSURERS—MORE THAN $37 MILLION TO BE PAID FOR ILLEGAL KICKBACK

INSURANCE COMMISSIONER JOHN GARAMENDI ANNOUNCES MAJOR SETTLEMENT AGREEMENTS WITH TITLE INSURERS—MORE THAN $37 MILLION TO BE PAID FOR ILLEGAL KICKBACK SCHEMES
LOS ANGELES – Insurance Commissioner John Garamendi announced today that the California Department of Insurance (CDI) has reached agreement with nine major title companies who will pay $37.8 million in refunds and penalties for alleged illegal rebating. The companies were accused of paying $25.4 million in illegal kickbacks to various lenders, builders and realtors in exchange for the referral of title insurance business.

Alert to Parents: Pet Turtles May be Harmful to Your Children's Health

Alert to Parents: Pet Turtles May be Harmful to Your Children's Health
Small turtles are a source of a disease called salmonellosis in humans. Symptoms of the disease may include diarrhea, stomach pain, nausea, vomiting, fever and headache. Symptoms begin in 6 to 72 hours (usually 12 to 36 hours) after a person is exposed to Salmonella, and they generally last for 2 to 7 days. Anyone can get Salmonella infection, but the risk is highest in infants and young children as well as the elderly, and people who have lowered natural resistance to disease.

What Seniors Should Know Before Hiring a Contractor

What Seniors Should Know Before Hiring a Contractor (English/Spanish)
What Seniors Should Know Before They Hire a Contractor.

HUD Approved Condos

HUD Approved Condos
The Condominiums page allows users to search for FHA-approved condominium projects by location, name, or status. These properties are not for sale by the FHA.

Convert Your Rent Into A Mortgage Payment

Convert Your Rent Into A Mortgage Payment
HUD wants to help public housing residents become homeowners! If you're a public housing resident, you may be able to convert your rent into a mortgage payment

INTERNATIONAL UNAUTHORIZED INSURANCE OPERATION LANDS FOUR SUSPECTS IN JAIL AFTER JOINT DEPARTMENT/FBI INVESTIGATION – ONE SUSPECT STILL AT LARGE

INTERNATIONAL UNAUTHORIZED INSURANCE OPERATION LANDS FOUR SUSPECTS IN JAIL AFTER JOINT DEPARTMENT/FBI INVESTIGATION – ONE SUSPECT STILL AT LARGE
SACRAMENTO – Four suspects have been arrested following a California Department of Insurance (CDI) and FBI investigation into an international insurance fraud scheme that was allegedly created by a self-described religious organization.

Going on a Summer Vacation? Rental Car Insurance Tips for Vacationers

Going on a Summer Vacation? Rental Car Insurance Tips for Vacationers
Properly insuring a rental car can be tricky. Unfortunately, many vacationers don’t even think about car rental insurance until they get to the rental car counter, which can result in costly mistakes, according to the Insurance Information Institute (I.I.I.).Jun 30, 2005, 05:16Community Tools New, Easy-to-Use Online Tool, Helps Parents of Children with Special Needs
In response to a recent national survey that showed a serious lack of financial planning information for children with special needs, MetDESK, MetLife’s Division of Estate Planning for Special Kids, announced the first Special Needs Calculator designed specifically for use by parents of children with special needs.

Choosing the Right Mortgage: Fixed-Rate vs. Adjustable Rate

Choosing the Right Mortgage: Fixed-Rate vs. Adjustable RateGinnie Mae discusses how to choose the Mortgage that is right for you and your family.Jun 26, 2005, 18:49Housing and Mortgage News Government Loan Programs
Ginnie Mae discusses the variety of government loans available to homebuyersJun 26, 2005, 18:46

What to do During an Earthquake

What to do During an Earthquake
There are actions you can take, even while an earthquake is happening, that will reduce your chances of being hurt. Lights may be out, and hallways, stairs, and room exits may be blocked by fallen furniture, ceiling tiles, and other debris. Planning for these situations will help you to take action quickly.

How to Respond to an Implantable Cardioverter-Defibrillator Shock

How to Respond to an Implantable Cardioverter-Defibrillator Shock
The implantable cardioverter-defibrillator (ICD) has consistently demonstrated a life-saving benefit in patients at risk for sudden cardiac arrest. Quality-of-life outcomes with the ICD may be directly related to coping successfully with ICD shocks. Although most people are able to tolerate a shock to some extent, the experience of shock is discomforting and can prompt feelings of anxiety, depression, or fear. The purpose of this article is to review patient and family preparations and responses to ICD shock to limit its impact on quality of life.

Consumer Alert: Spyware

Consumer Alert: Spyware
Just when you thought you were Web savvy, one more privacy, security, and functionality issue crops up — spyware. Installed on your computer without your consent, spyware software monitors or controls your computer use. It may be used to send you pop-up ads, redirect your computer to websites, monitor your Internet surfing, or record your keystrokes, which, in turn, could lead to identity theft.

Back to School StatisticsThe

Back to School StatisticsThe sight of crossing guards and bright yellow buses mean the “dog days of summer” and the traditional summer break have come to a close — our nation’s schools have reopened! This edition of Facts for Features highlights the many interesting statistics evolving from students and teachers returning to the classroomsJun 17, 2005, 10:19

June is National Internet Safety Month

June is National Internet Safety MonthAs the Internet has become more and more a part of our lives, young people have become more vulnerable to Internet crime, such as sexual approaches from child predators, exposure to pornography, and cyberbullying. In recognition of this growing concern, the United States Senate declared June, 2005, National Internet Safety Month.

Consolidate Your Student Loans Now

Consolidate Your Student Loans Now
Attention: Borrowers who consolidate prior to July 1, 2005 will be able to lock in their loans at a lower interest rate.

DHS To Require Digital Photos in Passports for Visa Waiver Travelers

DHS To Require Digital Photos in Passports for Visa Waiver Travelers
The Department of Homeland Security (DHS) today announced that Visa Waiver Program (VWP) countries will be required to produce passports with digital photographs by October 26, 2005. On that date, all VWP countries must also present an acceptable plan to issue passports with integrated circuit chips, or e-passports, within one year.

Vessel Sanitation Program - Tips To Stay Healthy On Your Cruise Vacation

Vessel Sanitation Program - Tips To Stay Healthy On Your Cruise VacationEach year millions of U.S. citizens enjoy cruise vacations. In 2003, approximately 8.3 million passengers embarked from North American ports for their cruise vacation (from Cruise Lines International Association). Traveling on cruise ships exposes people to new environments and high volumes of people, including other travelers. Although an infrequent occurrence, this exposure creates the risk for illness, either from contaminated food, water or more commonly through person to person contact.Jun 14, 2005, 12:21

FORMER STOCKTON INSURANCE AGENT PLEADS GUILTY TO TEN FELONY COUNTS, FACES SIX MONTHS IN JAIL AND RESTITUTION

FORMER STOCKTON INSURANCE AGENT PLEADS GUILTY TO TEN FELONY COUNTS, FACES SIX MONTHS IN JAIL AND RESTITUTION
SACRAMENTO – Cordell Bunton, 56, of Stockton has been sentenced to six months in the San Joaquin County jail after pleading guilty to ten felony and two misdemeanor counts that included grand theft, insurance fraud, forgery, and transacting insurance without a license. Bunton was also ordered to make full restitution to the 25 victims who were victimized by his scam, totaling over $29,000.Jun 14, 2005, 06:28Insurance Related Press Releases

Rates of Computer and Internet Use by Children in Nursery School and Students in Kindergarten Through Twelfth Grade

Rates of Computer and Internet Use by Children in Nursery School and Students in Kindergarten Through Twelfth Grade
This Issue Brief describes the percentage of students in grades 12 or below who used computers or the Internet in 2003. The Brief highlights the fact that computer and Internet use is commonplace and begins early. Even before kindergarten, a majority of children in nursery school use computers and, and 23 percent use the Internet.

First Time Homebuyers - Find out How Much Mortgage Can You Afford

First Time Homebuyers - Find out How Much Mortgage Can You Afford
You can save yourself a lot of wheel-spinning if you take a minute to figure out how much mortgage you can afford. Generally, a lender will want your monthly mortgage payment to total no more than 29% of your monthly gross income (that's your monthly income before taxes and other paycheck deductions are taken out.)Jun 9, 2005, 07:00

The FDA Celebrates 100 Years

The FDA Celebrates 100 Years!Over the past 100 years the U.S. Food and Drug Administration (FDA) has contributed significantly to women's health through their regulation of food, drugs, and cosmetics. They have taken important strides to educate women about risks associated with the products they use. As a great benefit to women, the FDA regulates the multi-million dollar cosmetic industry to ensure its safety and protect the health of consumers. Jun 2, 2005, 13:56

inMotion's Third Annual Summer Party - New York, New York

By AnnounceYourEvent.com

inMotion's Third Annual Summer Party - New York, New York
Jun 2, 2005
Underwritten by American Express and sponsored by HBO, on Tuesday, June 7th, inMotion will host its third annual Summer Party at Crobar. More than 1,000 young professionals, many from New York's most prestigious law firms and investment banks, will come together for a spectacular evening of cocktails, gourmet food and dancing.

Daimler Chrysler Presents California with Keys to the Future Three Hydrogen Fuel Cell Vehicles Provided to State of California

Daimler Chrysler Presents California with Keys to the Future Three Hydrogen Fuel Cell Vehicles Provided to State of California
Sacramento - Daimler Chrysler today handed the keys to three advanced technology hydrogen-powered fuel cell vehicles to the state's Air Resources Board, the Department of General Services, and Energy Commission.

U.S. Government Auto Auctions- A Buyer's

U.S. Government Auto Auctions- A Buyer's Guide
Experience the convenience and value of purchasing a quality American-made car, truck, van or SUV at one of our auctions. Purchase wholesale, and save hundreds or thousands of dollars!

Am I Covered? A Homeowner’s Guide To Homeowner's Insurance.

Am I Covered? A Homeowner’s Guide To Homeowner's Insurance.
If a fire, flood, earthquake, or some other natural disaster were to destroy or damage your home, would you have the right insurance coverage to rebuild your house?

Community Dispatch

Community Dispatch

Top 20 Downloads form the California Public Utilities Commission

Top 20 Downloads form the California Public Utilities CommissionBy May 30, 2005, 00:08
List of top 20 downloads from the past week from the California Public Utilities Commission Website. This list is updated every Monday.
http://communitydispatch.com/artman/publish/article_1088.shtml

Appliances

Purchasing Appliances
Purchasing home appliances can be mind boggling. With all the different manufacturers, models, and features offered, it’s hard to know where to start. And since appliances account for 20% of your home’s gas or electric bill, you have to consider energy efficiency as well. Before purchasing water heaters, refrigerators, dishwashers, clothes washers and dryers, or cooking appliances, read these tips from FCIC.
Selecting Appliances
Energy Efficiency
Safety
Other Resources
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Selecting Appliances
First of all, decide if you really need a new appliance. You can expect a water heater to last 10 to 15 years, a refrigerator 20 years, a dishwasher 10 years, and a clothes washer 14 years. Repair may be a better option than replacement.
Before you visit a store, you can do a lot of research on the web. For example, the Association of Home Appliance Manufacturers provides tips and consumer bulletins from the experts.
You can also visit the websites of various manufacturers to view their products. See the Consumer Action Handbook’s alphabetical listing of corporations for contact information and links to most appliance makers.
For information about reliability, check out Consumer Reports and other buying guides at your local library.
Check and double check the space available for the appliance to make sure you select the right size unit. Halls and doorways also need to be big enough to allow clearance for entry and installation. Don’t forget to allow space for appliance doors to open.
Don’t rely on your memory for the details. Bring a pen, paper, and checklist with you when you start to visit stores. Some items that should be on your checklist include:
manufacturers, model numbers, and features
the delivery and installation fees, and the fee to haul away your old appliance.
Decide if extra features, like ice dispensers on the outside of a refrigerator, are worth the increase in price.
Buy appliances that suit your needs. For example, a smaller refrigerator might be better for you if you live alone. Don’t give in to pressure to get the “great deal” the salesperson is pitching. He or she may be trying to get rid of overstock, instead of matching an appliance to your needs.
In addition to a conventional oven and stove top, you may want to consider purchasing a microwave or toaster oven. Using the microwave or toaster oven for small portions saves energy.
Government consumer protection offices receive a lot of complaints about appliance retailers and manufacturers. So when you buy, know the merchant’s return and refund policies. Know what is covered under warranty and for how long.
If you have a problem with an appliance you purchase, send a letter to the merchant. If you do not get satisfaction, you may have to escalate your complaint to the manufacturer, the Better Business Bureau, or your state consumer protection office.
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Energy Efficiency
Even though they are generally more expensive to purchase, consider investing in high efficiency appliances. They pay for themselves in decreased energy bills, as well as emit less air pollution. Energy efficient appliances are also attractive when selling a home.
All appliances must have an energy label. Read it carefully to make sure you buy the most efficient appliance.
Appliances with an Energy Star label are your best choice. They exceed federal government efficiency standards.
The Department of Energy has a wealth of information about how to shop for appliances, as well as how to compare energy labels.
You may not need to replace an appliance that doesn’t seem to be running efficiently. Take advantage of home energy audits offered by gas and electric companies. They may be able to suggest free or low cost fixes, such as insulating your water heater tank and pipes to increase your supply of hot water.
To further save energy, consider purchasing a clothes dryer that has a moisture sensor. The unit turns off when clothes are dry! And front loading washing machines that fill only halfway will reduce the amount of hot water used.
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Safety
Over 4,000 children are scalded each year by water that is too hot. Set your hot water heater no higher than 120 degrees.
Every year, carbon monoxide (CO) poisoning from oil, gas, and wood heating systems, water heaters, ranges and ovens kills about 200 people in the U.S. Don’t become a statistic - have a professional check these appliances annually for proper operation and CO leaks.
Avoid the possibility of fire from overloaded circuits by making sure your house has adequate electrical service for the appliance. Check for adequately grounded, three-hole receptacles.
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Other Resources
This is just a brief overview. For more information, check out these resources:
Read these publications online or order them from FCIC:
Elements of An Energy Efficient House
Energy Savers: Tips on Saving Energy and Money at Home
Indoor Electrical Safety Check
PowerSmart: Easy Tips to Save Money and the Planet
Publications available for ordering from our Housing Page
Websites*:
Alliance to Save Energy
Association of Home Appliance Manufacturers
ConsumerAction.gov
Consumer Product Safety Commission
Department of Energy
Electrical Safety Foundation International
Gas Appliance Manufacturers Association
* Names of resources and organizations included in this online article