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David O. McKay performed his first exorcism when he was 25. It was, he wrote in his journal, a day "long to be remembered." I have been collecting Mormon accounts of exorcism for some time as I have worked on a project comparing approaches to this phenomenon in different religious traditions. McKay's account is very useful for a variety of reasons. In a subsequent post, I will offer my comments on the text. In this post, I am reproducing the materials and inviting your comments on it.
3 September 1898, Newarthill, Lanarkshire, Scotland:
Went to Newarthill to see the young girl [Charlotte] who is sick. Found her in a nervous or spasmodic fit. Brother Orr said she was possessed of evil spirits, and indeed it did appear that such was the case. She would laugh and talk [and] tell the priesthood to go home and not torment her, ask their name, etc. Sometimes she would try to rise out of bed and although she was but a lassie weighing less than 100 pounds, it was all I could do to hold her and put her again in a quiet position. She seemed to be entirely unconscious when in this state. Her eyes were closed, and when she spoke, the sound came from her throat–not a lip moved. Just before regaining consciousness, her body became rigid, her hands clenched so tightly that the nails penetrated the skin, and her whole body–every muscle it seemed–became stiff as a board. She would lie in this state and then awaken, weak and limp, entirely exhausted. These attacks came on every few minutes, each one lasting about five minutes or more. We administered to her and she obtained peace for about an hour and half, during which time she sat up and talked as intelligently as anyone. She had another spell before we left. (We were then fasting for her relief).
4 September 1898:
After meeting [in Airdrie] we walked five miles back to Newarthill where, after a forty-eight hour fast, we were going to rebuke the evil power–whatever it was–afflicting the girl. The fast meeting was held in Sister Major's house. As we entered, Charlotte was suffering from another attack. She had walked from Brother Orr's–about a quarter or half mile. As the meeting commenced, the attacks became more frequent. One elder had to hold her all the time. These spells continued until after she partook of the sacrament. She then had peace during the meeting until we were about to unite in prayer before administering to her. Just as we began to consecrate the oil, she went into one of these fits–or had another attack. This was a long one. I told the saints (the house was full) that we would all kneel around her and unite with the one who was mouth in prayer. Taking her in my arms, I took a seat in the center of the room. When she regained consciousness, I told her we were all going to pray for her and asked her to unite with us. She feebly answered that she would. Brother Leatham was mouth. At the conclusion she said 'I can walk now.'
McKay reported several days later that the "fits" had not returned. But the story didn't end. At the center of this drama is Brother Orr, the branch president at Newarthill who surfaces multiple times as a troublesome actor in McKay's life and who was the first to suggest that Charlotte's symptoms indicated demonic possession. on 21 September, McKay reports that Orr came to see him and to apologize for "refus[ing] to carry out [McKay's] counsel in regard to taking Charlotte home after the administration." McKay apparently told Orr to take Charlotte into his home, but Orr sent Charlotte to her sister's instead where she was "again suffering from the attacks." "I am afraid," McKay wrote "Brother Orr is working the saints up to an apostate heat."
Now it's time for you to become textual critics. What does a close reading of this account yield in terms of an understanding of fin de siècle Mormonism? Does the text itself display internal tensions that may be enlightening? I'm looking for any reactions you might have.
[The quotes are drawn from Stan Larson and Patricia Larson, eds., What Ere Thou Art Act Well Thy Part, The Missionary Journals of David O. McKay (Salt Lake: Blue Ribbon Books, 1999)]


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An funding in commercial real estate is a good way of accelerating your market price. Credit score danger can lead to loan defaults prior to maturity; such defaults usually happen when a mortgage has damaging equity and cash flows from the property are inadequate to service the debt, as measured by the debt service protection ratio (DSCR).
Banks that suffer, or are afraid of struggling, commercial mortgage losses may grow much more reluctant to lend, which may in flip additional cut back access to credit for extra companies and families and accelerate a adverse economic cycle.
For monetary institutions, the ultimate impact of the business real property complete loan problem will fall disproportionately on smaller regional and community banks that have higher concentrations of, and publicity to, such loans than bigger nationwide or money middle banks.
Business real property REITs maintain a portfolio of properties (as a mutual fund holds stocks or bonds ), but are publicly traded; this makes them straightforward to purchase and sell, providing liquidity in a area that is notoriously illiquid The managers of REITs deal with all the small print of purchase, upkeep, tenants, and so forth. They also receive special tax concerns and usually supply traders excessive yields ; they are often geared in direction of offering earnings , capital appreciation or both.
A business property with low vacancy but excessive tenant turnover should lose money attributable to the cost of renovations for incoming tenants. In this case the tenant does not all the time perceive that the hire has been inflated to get well the incentive for the landlord. Commercial real estate investments are typically bought on capitalization rates and barely on alternative value. We preserve a transparent focus and robust attention to element with the properties we dealer and manage. In addition they perceive metropolis zoning and restrictions that would determine should you can or can not lease in certain areas.

subset: commoncrawl


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Glass & Concrete Contracting provides cornice repair as a historic metal restoration service. We also work with other materials such as copper, bronze, aluminum, steel, and tin.
A cornice is a horizontal decorative molding which crowns a building; Taking much abuse from the environment, its function is to drive rainwater away from building walls.
Often, the restoration of metal requires stamping or shaping of new metal to replace pieces that are broken or missing. Cornice repair may involve structural repairs such as replicating missing pieces, cleaning, securing to masonry and a protective coating.


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An At-Home Newborn Photo Session in Fayetteville, North Carolina.
Jackson | 5 days old.
We absolutely adore this Fayetteville family! It was such an honor to be able to watch Ashley + Austin dote over baby Jackson.
These new parents are filled with so much joy! It's been fun to see how they've gone from being an anxious, child-less couple to parenting pros in the last few weeks. And oh my goodness – Jackson is the cutest baby boy ever!!
Those lashes kill me!
David noticed the grandparents standing to the side to the side with tears in their eyes. So sweet! This little boy is lovveed! 🙂
Jackson didn't want to be away from his mommy long enough to pose on our beanbag. At all! So we quickly laid her on the couch and threw a blanket over her, haha. It worked!
And in case you missed them, you can view Ashley's Fayetteville NC Maternity Photos here!


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I am discussing how he tries to give a terrible example of player skill with 2 variables when the variables are multiple.
You dont want to learn the game? Fine.
Dont say "A player doing 50% damage of someone is average", thats 1 variable, if i check all the variables that player is doing 50% damage, taking 300% more damage, interrupted 100% less, offhealed 100% less and ton of other things.


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Trusted News for Credit Union Leaders • November 19, 2019
Credit Union Times Digital Edition
Any action or condition that adds friction, opacity and/or cost to transaction processes detracts from the value sought by the principal parties in a trade. Proprietary market identifiers add unnecessary complexity and risk to the trading community. An open symbology framework for financial instrument identifiers can help the entire community of interest eliminate layers of complexity, introduce process transparency and reduce both operational risk and cost. Organizations can redirect resources to optimize efficiency or drive innovation. This whitepaper describes how open symbology will affect the securities industry.*Whitepaper content is specific to Financial Industry Executives*.
Predatory Lending Relief From Detroit CU
ABA Vows to Sink JOBS Bill if MBL Hike Included
Serving After the Storm
Mobility Matters – Tracking the Mobile Banking Revolution: Online Only
Geezeo Adds PFM Clients, Creates New Division
Cardtronics Deploying Super-Small NCR ATM
Credit Union Times is the nation's leading independent source for breaking news and analysis for credit union leaders. For more than 20 years, Credit Union Times has set the standard for editorial excellence and ethical, straight-forward reporting.
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© 2019 Credit Union Times. A Summit Business Media publication. All Rights Reserved. Privacy Policy


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Foolish Hearts (November 27, 1935)
Released on November 27, 1935: An 18 minute promo short for Tony Martin and Phyllis Brooks, featuring Lucille Ball as the blonde hat check girl before she became famous.
Produced by Lee S. Marcus
Directed by Ben Holmes
Written by Joseph Fields and Stanley Rauh
The Actors: Tony Martin (singer Tommy), Phyllis Brooks (Gloria Seabury and Jeanette Hardwick), Jack Norton (Jimmy), Jack Rice (McKenzie), Harrison Greene (movie producer Schuster), Edith Craig (actress Phyllis Gregory), Ray Ellis (Alex, Maitre D'), Lucille Ball (hat check girl), Frank Mills (bartender Al), William Irving (the chef)
Free Download of the old movie Foolish Hearts
Foolish-Hearts-1935.mp4 (162mb - 720x526)
Foolish-Hearts-1935-720p.mp4 (351mb - 986x720)
A Star is Born . . . Unnoticed by all
So the studio has a bunch of new talent that is eager to become the next big movie star, and the studio produces a nice little 18 minute story with some of these wanna-be movie stars in it to see how they impress the movie audience. This little story features singer Tony Martin and actress Phyllis Brooks with plenty of close-up shots and great story lines to see how they will do on the big screen. Around them are veteran actors like Jack Rice, Jack Norton and Harrison Greene, but the surprise for the ages is this: The mega-super-legendary star of future years is neither the singer Tony Martin or the blonde bombshell Phyllis Brooks, but rather the hat check girl, in about 8 seconds of screen time, without a close-up or a decent line, but with a prescient comedy gag as she crushes a gentleman's top hat. You probably didn't recognize her without her trademark red hair, but the undisputed Queen of Comedy Lucille Ball is the blonde hat check girl in the nightclub who would eventually have more face time on both the big screen and the little television screen than all of the other actors in this flick combined. As I write this in 2013, I can still find a movie or television show on cable television featuring Lucille Ball almost every day, at almost any time of the day or night. You would be hard pressed to name any other actor in the history of motion pictures and television up to this day that has had, and continues to have, a greater impact on the acting craft. Pop a little bowl of white kernel popcorn with warm melted butter on it and enjoy the show.
bartender Frank Mills
Harrison Greene and Phyllis Brooks
Harrison Greene as movie producer McKenzie
Harrison Greene
Jack Norton and Jack Rice
Jack Norton
Jack Rice and Harrison Greene
Jack Rice and Phyllis Brooks
Jack Rice and Phyllis Brooks
Jack Rice
hat check girl Lucille Ball
Phyllis Brooks and Jack Rice
Phyllis Brooks and Lucille Ball and another gal
Phyllis Brooks and Ray Ellis
Phyllis Brooks as a cigarette girl
Phyllis Brooks
Ray Ellis
Tony Martin and Phyllis Brooks
Tony Martin sings
Tony Martin singing at the nightclub
Tony Martin
William Irving


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Mikhail Tyurin
Russian cosmonaut
Personal data
Michael Tyurin lives in Korolev, a small city outside of Moscow. He was born 2 March 1960, in Kolomna, Russia (about 60 miles from Moscow) where his parents still reside. He is married and has one daughter. He enjoys sailing in his free time.
He graduated from the Moscow Aviation Institute in 1984 with a degree in engineering and a specialisation in creating mathematical models related to mechanical flight. He is currently doing graduate work in his field of research.
After graduating from the Aviation Institute he began working at the Energia Corporation as an engineer. The main areas of his work have been dynamics, ballistics, and software development. His personal scientific research is connected with the psychological aspects of cosmonauts' training for the manual control of spacecraft motion. In 1993 he was selected to begin cosmonaut training, and in 1998 he started training as a flight engineer for the Expedition 3 crew. He also served as a backup crew member for the first ISS mission.
Spaceflight experience
During Expedition 3 Tyurin lived and worked aboard the International Space Station for a total of 125 days. The Expedition 3 crew launched on 10 August 2001 aboard STS-105 Discovery and docked with the International Space Station (ISS) on 12 August 2001. They left the station on 15 December aboard STS-108 Endeavour, landing at Kennedy Space Center, Florida, on 17 December 2001.
Tyurin currently serves as Flight Engineer on the Expedition 14 mission to the International Space Station. Expedition 14 was launched aboard a Russian Soyuz spacecraft on 18 September 2006.
Current assignment
Vinogradov is currently the Expedition 13 crew Commander for a six-month stay on board the International Space Station. The mission launched from Baikonur Cosmodrome on 30 March 2006.


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A Planet of Information
FActS OF THE EVERYDAY AND THE unexplained
The world is a place of the known and the unknown. A place of information.
A place of facts.
Factual Planet is Legendary Planet's imprint for nonfiction works that explore the facts of the accepted and the mysterious. We issue new and vintage nonfiction in contemporary editions for readers seeking understanding from the perspectives of both the present and the past.
Facts can be gathered, facts can be argued. They can be studied and dissected, questioned and proven or undone. For research or entertainment, here you can find them, from true accounts of the shadowy and the bizarre to history and how-to—all the world, in fact.
The Books
Haunted Webster Groves
Legends and Firsthand Accounts of Ghosts in Webster Groves, Missouri
By Patrick Dorsey
Webster Groves – a great place to live, work, and play… even for the departed…
We've all been unsettled by chilling stories of hauntings and the unquiet dead, those spirits who refuse to rest and instead remain to take part in the lives of the living. We've read the tales, seen the movies, and occasionally we lean close to hear of someone's personal experience with a ghost. Especially when that someone lives next door. Discover eerie legends and uncanny firsthand accounts of the ghostly and supernatural in a neighborhood perhaps just like yours, where residents of a quiet bedroom community come home nightly to unseen footsteps; resign themselves to objects mysteriously moving, disappearing, and reappearing; live with lurking, spectral figures; and otherwise share their homes with the ghostly and supernatural. Webster Groves, Missouri is one of the early suburbs of St. Louis, a place with a history that extends back to Colonial times and reaches across the Civil War right through to today. Some who lived that history have evidently remained…
Trade Paperback
Kindle Edition
Haunted Odyssey
Ghostly Tales of the Mississippi Valley
By James M. Longo
The Mississippi River has been one of America's great passages for centuries. A primary artery of exploration and commerce, its history is rich in the human stories that have transpired along its banks through generations of natives and pioneers, farmers and explorers, entrepreneurs and soldiers. So it's no surprise that many of its tales are of the spirits of those who made that history and haunt it to this day. Ghost stories are common on the Mississippi, and James M. Longo spent four years seeking them out from the people who live along its banks. Haunted Odyssey collects the tales he was told and the ones he unearthed in his travels up and down the river:
- The phantom light on a deadly Cape Girardeau road
- Kaskaskia's Indian curse
- A home in a quiet St. Louis suburb where a grandfather regularly stops by to check in and watch TV—years after he passed away
- The infamous Lemp Mansion in St. Louis and the sordid history of madness and death that haunts it still today
- An Indian guide's spirit who helps children lost in the woods in St. Charles
- Edwardsville's Three Mile House, where alarm clocks are unnecessary thanks to a ghostly child
- Footsteps that stalk through a Hannibal home with no one in sight
Born and raised in St. Louis, James M. Longo's lifelong interest in ghost stories culminated in his Mississippi Valley odyssey, gathering the best stories local residents sincerely believe to be true. Stories that will haunt you.
Trade Paperback
Kindle Edition
An Authenticated History of the Famous Bell Witch:
The Wonder of the 19th Century and Unexplained Phenomenon of the Christian Era
By Martin Van Buren Ingram
Featuring a new introduction by Elizabeth Willnow
The First Documented Haunting in American History
From 1817 until 1821, a hostile, supernatural entity plagued the Bell family of Tennessee. Beginning with the appearance of a strange, unnatural creature in their corn field, the harassment of the family quickly escalated from simple knocking on the walls and windows of their frontier home to cruel physical attacks focused particularly on youngest daughter Betsy. The Bell home and their invisible tormentor soon became the dark wonder of the territory. Travellers from all points of the compass came to the Bell house to witness firsthand the taunts and violence of the unseen entity, including famously General Andrew Jackson, whose entourage experienced the preternatural harassment for themselves before fleeing its power. Ghost? Goblin? Poltergeist? Its nature has remained a mystery for two centuries. But in 1894, newspaper publisher Martin Van Buren Ingram released An Authenticated History of the Bell Witch, the Wonder of the 19th Century and Unexplained Phenomenon of the Christian Era. Based on the diary of Richard Bell, son of John Bell and brother of Betsy Bell, it incorporated interviews and others' accounts to paint a distinct and detailed image of the experiences of the Bell family as they faced supernatural oppression. Reprinted from the original text and including original illustrations, this Factual Planet edition is based on the rare and long out-of-print "Red Book" edition of Ingram's book, reviving its mysteries for readers interested in the hard-to-find paranormal history of the early United States.
True Irish Ghost Stories
The Haunted Places, Apparitions, and Legendary Ghosts of Ireland
True Tales from the Island of Ancient Mystery and the Supernatural
For centuries, Ireland has been a place of the uncanny, with tales and legends of magic and curses, ghosts and fantastical beings, each and every story told breathlessly and with an oath to its truth. When researcher St. John D. Seymour placed a series of ads in local Irish newspapers soliciting people's tales of their encounters with ghosts, he was doubtful of what results he might obtain.
Within a month, he received enough ghostly narratives to fill a book—and still more were on the way.
In True Irish Ghost Stories, he and Harry Neligan share the accounts they were sent from all corners of the Emerald Isle, tales of haunted houses and haunted places, of apparitions and harbingers, of the famous Banshee and other legendary ghosts, and even a few cases that resulted in rational explanations for the apparently supernatural goings-on. But whatever the stories represent to the tellers or the listeners, one fact emerges clearly:
The fantastic and the supernatural are as much a part of the present as they are the past in Ireland.
The new Factual Planet edition of this seminal classic features stunning original photos of Ireland and an introduction by Patrick Dorsey, author of the bestselling true ghost stories collection Haunted Webster Groves.
Write The Winning Proposal
One Writer's Proven Methods That Have Won Over $8.1 Billion in Business
If you want to win RFP business, you need to know how to write a winning proposal
There is more potential today—probably more than ever before—to increase business and achieve success by responding to Requests For Proposals (RFPs). As they have for decades now, both government agencies and businesses rely increasingly on outsourcing to implement and complete projects. Whether it's a federal office looking for construction contractors to expand a facility, a state health agency looking for managed care organizations to run their Medicaid operations, or a local tech company looking to put in place a new computer network, organizations are increasingly turning to outside consultants and experts to get a job done. How do they find those experts? The RFP. RFPs are a doorway to contracts and opportunities. Literally billions of dollars are spent every year through RFPs, representing not just new income but new business for your company. The key is convincing the RFP issuer that you're the best choice to do the work for them. And the way to do that is with a strong proposal that makes you the winner. What makes a proposal successful? Write the Winning Proposal provides you proposal crafting tips and insights that have won over $8.1 billion in business for one writer's clients—tips that apply to any industry and to any proposal, small or large, and insights that can help you win contracts and grow your business.


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Where are they now?
Pat Nolan (former Limerick City player)
When Pat Nolan found the net against AZ Alkmaar at the Markets Field in 1982, he became the first – and still only – man to score a European goal in Limerick.
Nolan was a Limerick player for nearly all his career and was there for the club's glory days. His love for soccer started when he joined Summerville Rovers at the age of nine. However, the club wasn't in operation for long so he moved to Wembley Rovers and played with them right up the ranks to under 18 level.
In 1974, as he was coming to the end of his youths career, Limerick boss Ewan Fenton approached him and signed him for the club. It was a dream come true for the teenager and an opportunity he made the most of.
When he first arrived, Limerick were struggling. They had a lot of young players who had come from junior football and it took them a while to get it together. They got to a Cup final in 1977 but were beaten by Dundalk. However, the nucleus of the team learned a lot from that journey and when Eoin Hand took over in 1979, they were ready to go a step further.
Almost immediately, they achieved success, winning the League and Cup and also qualifying for European football.
"In those days in the Markets Field you had thousands of people coming to watch," remembers Nolan. "You didn't have the competition of English football on the BBC. People came from all around the county to support Limerick. That was their soccer fix on a Sunday."
When Nolan finally finished with Limerick after over ten years, he spent six months with Waterford and then got into coaching. He did a long stint with Wembley Rovers and he also did a spell with Tommy Lynch and Limerick in the First Division.
In 1982, Manchester United came to Limerick for his testimonial and it was a special occasion for Nolan. Eoin Hand was still in charge at that stage and he made a few calls to set it up.
Nolan was also capped for Ireland at under 21 level.
These days, he works as a rep for John Player in Limerick and has done so for almost 30 years.
He still follows his old club and thinks they can get back to winning ways; however, he feels they need to get the young players through and have a squad mainly made up of local talent and not outside imports.
Sunday Indo Sport


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For a quick look at what shows open when this season, check out the 2019 Openings At-A-Glance page
- This event has passed.
Next Thing You Know
June 1 @ 7:00 pm
Event Navigation
A musical that's truly unlike anything you've seen before!
In between Friends and How I Met Your Mother, Next Thing You Know follows the story of four friends in their thirties as they laugh, love, dream and drink their way through life's big questions.
For its big debut in the Orange City, this refreshing musical has been adapted to the city of Montreal by Montrealers and for Montrealers. Set in a real bar (le Cocktail on Ste Catherine St.), this immersive and interactive piece is brought to the Montreal stage for the very first time in a trilingual version: English – French and Quebecois!
Come and enjoy the show with a beer in hand as 4 performers and 3 musicians take it away live on stage!
6 performances:
May 11th, 13th, 15th
June 1st, 4th, 5th
Bar le Cocktail, 1669 St Catherine St (Métro Papineau)
18 y.o. and +, drinks will be available during the show.
Duration: 90 min + intermission.
Music by: Joshua SALZMAN
Lyrics by : Ryan CUNNINGHAM
Adapted/translated by : Vincent MERVAL, Quentin BRUNO and Samuel SEBBAN
Stage Direction : Samuel SEBBAN
Musical Direction : William KARRAS
With : Eugénie BATAILLE, Adriana CARMONA, Valentin MILLET et Louis PARISEAU
Piano : Monica HAN
Guitar : Marc-Gabriel LAVERRIÈRE
Violin : Annie LAX-ROSEMAN
Light Design : Thomas FOERSTER
Credits : Nathan GUESDON
Buy your tickets online at :
Do you have an upcoming event in Montreal that you would like to include in our calendar? Submit your listing for free!


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In its 30 September 2015 Capital Markets Union Action Plan, the European Commission confirmed its intention to modernise the existing Prospectus Directive (the Existing PD), having already consulted on a review of the Existing PD in February 2015. It then published the draft of its proposed regulation and related draft annexes on 30 November 2015 (PD3).
PD3 will take the form of a regulation that will be directly effective in Member States, rather than a directive requiring transposition by the individual Member States. This is designed to ensure consistent application of PD3. It is expected that PD3 will be published in the Official Journal during the second half of 2016, and it will come into effect 12 months later (i.e. mid-to-end 2017).
Read the full briefing here.
Download PDF


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indicates every 2 miles
Chelmsford Hanningfield Reservoir Circular Cycle Route
|Cycle Route Details
|Route Name
|Chelmsford Hanningfield Reservoir Circular
|Distance : miles (km)
|18.51 (29.79)
|Posted By
|Calories Burned
|(login and provide your weight for more accurate calories burned)
|Cycle Steps
|A simple, comfortable route that, once your out of Chelmsford, sticks to quiet back roads and avoids traffic where possible. Road surfaces are generally good, with only a few bone rattling sections. Also features one of the fastest hills in Chelmsford (London Hill on Margaretting Rd)
Takes me about 1hr 15mins on a road bike, and I'm no cycling pro...
|Landmarks/Pubs for lunch/Sites to see?
|Hanningfield Reservoir (at the halfway point), Wood Street Tesco (rather near the start/end)
|Cycling Clubs located in this region
|Colchester Rovers Cycling Club
|Cycle Harlow
|Essex Roads
|Forty Plus CC
|South East Essex CTC
|VC Oyster
|Your comments?
Go Back


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Shakin' a Tailfeather
Format: Audio CD
This is an amazing cd that captures the magic of the live performances of Linda Tillery and the Cultural Heritage Choir. If you like spirited, heartfelt, get up and get dancing kind of music buy this one. It starts with an incredible rendition of Lift Every Voice and Sing that combines African drumming wit ha gospel choir sound. It continues on with an amazing jam in tribute to James Brown. There are wonderful guest performances by Wilson Pickett, Laura Love, Eric Bibb, Kelly Joe Phelps, Odetta and more. Linda Tillery is one of our true musical treasures.KimComment from Amazon
Taj Mahal Music for Little People Linda Tillery & The Cultural Heritage Choir Eric Bibb
Format: Audio CD
|1. Rockin' Robin
|2. Willie And The Hand Jive
|3. Shortnin' Bread
|4. Oh Mary Mack
|5. Draw Me A Bucket Of Water
|6. Shake A Tail Feather
|7. Ask Grandma
|8. This A Way Valerie
|9. Land Of 1,000 Dances
|10. Jim Dandy
|11. The Name Game
|12. Beans And Cornbread
|13. Loop De Loop
|14. Little Sally Walker
|15. Follow The Drinking Gourd
Product Details
Buy Now: http://www.amazon.com/Shakin-Tailfeather-Various-Artists/dp/B00000345N


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City Beat
A little art spruces up one dilapidated Sacramento home
Cornell Willis' childhood home in Oak Park was a mess.
His mom died inside the house on San Carlos Way in 2010, leaving the home vacant. The grass had grown to 3 feet high, and there was garbage on the lawn. Squatters eventually moved in.
As the home fell into a state of blight, Willis was facing about $6,000 worth of code enforcement fees because the city had to maintain the property. He wanted to sell the place and move on.
Then, the city got artistic.
Carl Simpson is the city's code and housing enforcement chief. His department spends a lot of time boarding up vacant homes and going after absentee landowners. In some neighborhoods such as Oak Park and Del Paso Heights, it seems like an endless cycle.
Simpson got in touch with NeighborWorks, a nonprofit that promotes affordable housing and repairs dilapidated homes. NeighborWorks had funded a grant to a Chicago-based artist named Chris Toepfer to paint the boards placed over windows on vacant homes in Oak Park, and Simpson wanted to expand that work.
So on a Saturday morning last month, members of the city's youth commission met at the Oak Park Community Center. They painted some plywood and headed to the home on San Carlos Way. They cleaned the yard and attached their artwork over the windows.
The designs were simple. Some boards were painted to look like window frames. But others were more colorful, with bright flowers and musical notes.
"It's not supposed to fool people (into thinking someone is living in the home)," Toepfer said. "But would you rather look at something that looks like a window or a piece of plywood?"
Toepfer has been doing this kind of work for 20 years in nearly 30 cities, many of them Rust Belt towns with hundreds of abandoned homes. Sacramento's stock of vacant buildings is much smaller than places such as Detroit, Chicago and Cleveland, but there are still blocks in Oak Park and Del Paso Heights where empty houses sit for years.
Simpson has those neighborhoods in mind as he thinks about the next house to paint. He's also anxious to monitor the long-term impact of the artwork that's already in place. He suspects that graffiti taggers won't touch the boards, and he's wondering if low-level crime around the homes will decrease, as has happened in some other cities. Moving forward, Simpson wants to expand the program and said he's hoping to get financial help from one of the big hardware chain stores and partner with a local arts agency.
Code enforcement crews often head out to abandoned buildings on short notice, so Simpson would like to have an inventory of decorated window coverings ready to go. He wants kids from Oak Park and Del Paso Heights to be the young artists working on the boards and has thought about exploring whether the painting could act as community service for young people convicted of tagging buildings with graffiti.
In the meantime, the fresh paint has Willis rethinking the fate of his childhood home. He was out there Wednesday working on the house and is now contemplating moving in, not selling. That would make one fewer empty home in Oak Park – all because of a little art.
"It's rejuvenating my property," Willis said. "It's kind of attracting people in a positive way."
Ryan Lillis: 916-321-1085, email@example.com, @Ryan_Lillis


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Slice was formed in Long Beach, California by Barbara, Kelsey, and Megan in 2015. Alex would join a year later on keys. Usually described as colorful ambient shoegaze, they play around Southern California regularly and have toured the West Coast.
Photos by Debbie J. Cho. All art by Alina Kano.


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Identity Theft News
News Archive
Contact Information
Center for Identity Management
and Information Protection
and Information Protection
Dr. Donald Rebovich,
Executive Director
Executive Director
Utica College
1600 Burrstone Road
Utica, NY 13502
1600 Burrstone Road
Utica, NY 13502
November 2012 News Archive
November 29, 2012
Accused ID thief tries to score $40,000 bank loan in Hollywood
Police say Keith Gardner hoped to remain under the radar and silently walk away with nearly $40,000 of someone else's money from a Hollywood bank. ...read full article
Woman accused in massive identity theft scam
ST. LOUIS (AP) — A Florida woman formerly from the St. Louis area is accused of being the ringleader in an identity theft ring that tried to cheat the government out of nearly $1.5 million. ...read full article
Florida Woman Charged With Leading ID Theft Ring Tied To Creve Coeur Case
Authorities say Tania Henderson is connected with larger scheme that included an attempt to deposit an IRS check at a Creve Coeur credit union in October. ...read full article
Two wanted in Fergus Falls mail, identity thefts
FERGUS FALLS, Minn. – Law enforcement here are looking for two people in connection to stealing mail and using it for identity theft, according to a WDAY news report. ...read full article
Oakville Man Gets 94 Months in Jail for Fraud, Identity Theft
An Oakville man who confessed to mail fraud and aggravated identity theft in September was sentenced to 94 months in prison Tuesday in a case investigated by the FBI and prosecuted by the U.S. Attorney's Office. ...read full article
Romanian gang arrested in Australia's biggest-ever credit card ID theft
Hong Kong (CNN) -- Australian police say seven people have been arrested in Romania as part of a joint international criminal investigation into the largest credit card data theft in Australia's history. ...read full article
6 arraigned in Ala. identity theft ring
MONTGOMERY, Ala. (AP) — Six people were arraigned Wednesday for their involvement in an identity theft ring. ...read full article
Inmates who ran ID theft ring from prison get 25 years
Two men associated with the Armenian Power gang were each sentenced to 25 years in federal prison Wednesday on charges of perpetrating a sophisticated identity theft ring from lockup, according to the United States attorney's office. ...read full article
Elder abuse town hall meeting focuses on identity theft, fraud cases in the state
MOUNTAIN BROOK, Alabama -- State Representative Paul DeMarco and a panel of experts from the Alabama Department of Senior Services and the Alabama Securities Commission, sat down with a room full of senior citizens at an Elder Abuse & Fraud Prevention Town Hall meeting early this afternoon to discuss ongoing fraud trends and provide information on how to spot potential scams. In front of a standing-room only crowd at the Emmet O'Neal Library, Demarco stood firm in his belief that the statistics of elder abuse in the state are not acceptable. ...read full article
Hoover man charged in identity theft scheme
HOOVER, AL (WBRC) - A Hoover man suspected of stealing more than $100,000 from Wells Fargo in an identity theft scheme is now behind bars. ...read full article
Police are searching for two people linked to a string of identity theft
(WDAY TV) -- The search is on for two people linked to a string of identity thefts starting in Otter Tail County. The thefts and counter-fitting have now stretched from Otter Tail down I-94 to Wisconsin. ...read full article
NBC Charlotte helps identity theft victim keep the power on
FORT LAWN, S.C. -- Hugh and Clydeanne Mauldin run the Harmony Hills Nursery in Chester County. Both retired, it's the way they get money to pay the bills. ...read full article
Broward man pleads guilty in massive identity theft
A former employee of a North Miami law firm pleaded guilty on Tuesday to federal identity theft charges, U.S. Attorney Wifredo A. Ferrer said. ...read full article
St. Louis man sentenced for mail fraud and identity theft
ST. LOUIS (KMOV.com) -- William Lubker was sentenced to 94 months in prison on mail fraud and aggravated identity theft charges associated with a fraud scheme perpetrated on his former employer between 2009 and early this year. ...read full article
Cops: Good Samaritan ripped off after helping Sandy victim
A woman who helped a former classmate left homeless after superstorm Sandy got ripped off for her trouble, police said. ...read full article
November 28, 2012
Where Identity Thieves are Now Living
While you are out shopping, dining, traveling and celebrating this holiday season, you should keep this not-so-jolly fact in mind: there are thousands of your fellow Americans working to steal your identity. And here's the really scary part: You might even know some of them. In fact, they could be the family next door. ...read full article
Cyber Threat Not Number One Method of Identity Theft
Much attention is paid to the theft of personal information over the Internet, but the number-one cause for identity theft turns out to be old-fashioned loss of personal effects, according to Travelers. ...read full article
REGIONAL: Woman pleads guilty to identity theft; faces 15 years in prison
NORTH COAST, Calif. – A woman with numerous identity theft cases around the North Coast and Bay Area has reached a plea agreement with Sonoma County prosecutors. ...read full article
Police: Surprise packages indicate stolen identity
St. Charles police received two reports of identity theft in the past week after information was stolen to create a line of credit to order items online. ...read full article
It's federal prison for ID thief
ALBANY — A Hudson woman who belonged to a brazen identity-theft ring that stole personal information from medical facilities across the country was sentenced Monday to 2 years and four months in federal prison. ...read full article
SC police warn of online ID theft scam
ST. CHARLES — Police are warning residents about identity theft scams after two recent reports of thieves obtaining the information and using it to order items online and having them sent to the victims' homes. ...read full article
Romanian authorities dismantle cybercrime ring responsible for $25M credit card fraud
Sixteen suspected members of a cybercrime gang that stole credit card data from foreign companies were arrested
IDG News Service - Romanian law enforcement authorities have dismantled a criminal group that stole credit card data from foreign companies as part of an operation that resulted in fraudulent transactions totaling $25 million. ...read full article
IAEA Server Breached, Scientists' Email Addresses Spilled
The International Atomic Energy Agency has confirmed to Reuters that one of its decommissioned servers had been accessed and had data stolen from it. ...read full article
November 27, 2012
Shredded police documents used as parade confetti
MINEOLA, N.Y. Some very private information was unknowingly cast to the winds during one of New York City's most public events: A ticker-tape parade. ...read full article
Petaluma woman arrested for theft of inheritance
SANTA ROSA -- A Petaluma woman was arrested Wednesday on suspicion of stealing her stepdaughter's $30,000 inheritance check, a Sonoma County sheriff's sergeant said. ...read full article
Rhode Island identity theft insurance schemers cop a plea
In a trial closely watched by the insurance industry, Rhode Island attorney Joseph Caramadre and his former employee Raymour Radhakrishnan pleaded guilty today to charges that they conspired to steal the identities of the terminally ill. ...read full article
Identity Thieves Prey on Gas Station Patrons, Police Say
High-tech and highly illegal devices are able to gather credit card data entered into self-service pumps.
Identity thieves have figured out how to turn aging gas pumps into cash without even "breaking and entering," according to law enforcement. ...read full article
Unemployment inquiry masks identity theft scam
AUGUSTA, Maine (AP) - Maine labor officials are warning employers about an identity theft scam that has spread to Maine. ...read full article
Judge warns public about identity theft scam involving jury duty claim
LOUISVILLE, Ky. (WDRB) -- An age old scam has a new twist: thieves are tricking people into giving out sensitive information. ...read full article
Clinton woman faces 150 years in prison for ID theft
A Clinton resident faces several charges of identity theft and other crimes, according to state Attorney General Jim Hood. ...read full article
Sacramento man sentenced in ID theft, bank fraud case
SACRAMENTO, CA - A man prosecutors say accessed more than $150,000 from victims by stealing their personal information and manipulating their financial accounts was sentenced to two years and 10 months in federal prison Tuesday. ...read full article
Mexican National Sentenced to 54 Months in Prison for Trafficking the Identities of Puerto Rican U.S. Citizens
WASHINGTON – A Mexican national was sentenced today to 54 months in prison for trafficking of identities of Puerto Rican U.S. citizens and corresponding identity documents, announced Assistant Attorney General Lanny A. Breuer of the Justice Department's Criminal Division; U.S. Attorney Rosa E. Rodríguez-Vélez for the District of Puerto Rico; Director John Morton of U.S. Immigration and Customs Enforcement (ICE), which oversees Homeland Security Investigations (HSI); Chief Postal Inspector Guy J. Cottrell of the U.S. Postal Inspection Service (USPIS); Scott P. Bultrowicz, Director of the U.S. State Department's Diplomatic Security Service (DSS); and Internal Revenue Service-Criminal Investigation (IRS-CI) Chief Richard Weber. ...read full article
November 26, 2012
Man Convicted of Illegally Accessing AT&T Servers by 'Impersonating' an iPad
A 27-year-old New York man known online as "Weev" was convicted Tuesday of "impersonating" an iPad in order to gain access to AT&T's servers and swiping 114,000 email addresses, including some belonging to celebrities. ...read full article
Stolen Password Led to South Carolina Tax Breach
Timeline Shows When and How Hacker Entered State Tax System
A stolen state employee password allowed a hacker to breach the South Carolina tax system earlier this year, resulting in the exposure of records of more than 3.8 million individual and 700,000 business tax filers [see South Carolina Revenue Department Breached]. ...read full article
Fake Apple invoices lead to Blackhole exploit kit that drains your bank account
Online criminals targeting exploits is nothing new, but they are now taking a multi-pronged approach to compromising your security. ...read full article
HR departments at risk of malware infection after unemployment benefits email spammed out
Computer users, especially those working in the human resources departments of corporations, should be on their guard against a malware attack that is spammed out via email at the moment. ...read full article
Businesses advised to prepare for Cyber Monday
Updating your browsers and clamp down on plug-ins, experts say
CSO — Many employees will spend a portion of their day hunting for bargains on the Monday following Thanksgiving weekend, and companies should prepare for the increased security risks, experts say. ...read full article
UK student in dock over Anonymous £3.5m PayPal attack
Denies charge relating to Operation Payback campaign
The trial of a British university student accused of participating in attacks by hacktivist collective Anonymous against the websites of PayPal and others has begun in London. ...read full article
Nationwide Hacked, Customer Details Compromised
On October 3, 2012, a malicious actor hacked into the systems of Nationwide – one of the largest insurance and financial services providers in the US. The full extent of the breach is not known yet, but it's believed that the attackers gained access to the details of tens of thousands of customers. ...read full article
November 20, 2012
New Mexico Man Sentenced to Prison for Stolen Identity Refund Fraud
Douglas Kuester, 43, a tax preparer from Silver City, N.M., was sentenced today to 48 months in prison for filing false claims and aggravated identity theft, the Justice Department and the Internal Revenue Service (IRS) announced today. Kuester was also ordered to pay $911,000 in restitution and will be on supervised release for three years after completing his prison sentence. ...read full article
Man accused of stealing identities to get fraudulent tax refunds
A 20-year-old North Miami man turned up in Miami federal court on Monday, to face accusations of identity theft and tax fraud, according to U.S. Attorney Wifredo A. Ferrer. ...read full article
Kuester sentenced in identity theft case
A Silver City tax preparer was sentenced to four years in federal prison Monday and ordered to pay $911,000 in restitution for using stolen identities to prepare fraudulent tax returns and pocketing the refunds, the U.S. Attorney's Office said. ...read full article
Davidson woman faces charges of identify theft, unlicensed day care
A Davidson County woman faces several charges after investigators accused her of identity theft and illegally operating a day-care center from her home, authorities said Monday. ...read full article
Former football player Gachelin gets 2-plus years in ID theft case
Former NFL free agent Louis Gachelin was sentenced to two years and four months in federal prison Monday for his role in an identity theft tax fraud. ...read full article
Former CFO guilty of fraud & identity theft in stock scheme
A federal jury on Monday convicted the former chief financial officer (CFO) of a North Shore information brokerage of conspiracy, money laundering, securities fraud, aggravated identity theft and other charges. ...read full article
U.S. Sen. Pat Toomey decries identity theft, tax fraud scheme
U.S. Sen. Pat Toomey used his stop Monday in the Lehigh Valley to bring attention to a form of identity theft and tax fraud he says is a major problem, both in the region and across the state. ...read full article
R.I. Attorney Pleads Guilty in Identity-Theft Scam
A Rhode Island estate-planning attorney and one of his employees pleaded guilty to federal charges of conspiring to steal and use the identities of terminally ill people in a scheme to profit from insurers and bond issuers. ...read full article
Study: 10,000 Identity Theft Rings in U.S.
Identity theft is big business. Now, we're finding out exactly how big. The FTC estimates that as many as 9 million of us have our identity stolen each year. It's topped the list of consumer complaints filed with the agency for the past 12 years running, garnering about 15% of all complaints. And new research from ID Analytics shows that there are roughly 10,000 identity theft rings in the United States involved in this fast-growing illegal enterprise. ...read full article
Neighbor charged with identity theft in Spotsylvania
A 75-year-old Spotsylvania County woman was surprised when she received a bill for $830 from a women's fashion catalog this weekend. ...read full article
Dentist Hamada Markarita Of Oakton, Va. Convicted Of Illegally Distributing Narcotics, Identity Theft And Health Care Fraud
OAKTON, Va. (WUSA) -- A dentist from Oakton, Va. was convicted on Friday to illegally giving prescription pain pills to patients, workers, and a woman he dated. Fifty-one-year-old Hamada Markarita was also convicted of using another dentist's identity to fraudulently bill an insurance company for more than $160,000 in claims, saysNeil H. MacBride, United States Attorney for the Eastern District of Virginia. ...read full article
November 19, 2012
Bank tellers among 17 arrests in ID theft ring
Investigators say ring stole at least 185 identities, filed false tax returns
JACKSONVILLE, Fla. - Five tellers at VyStar Credit Union, a Citibank credit card employee and a hospital worker were among those involved in an ID theft ring that stole the identities of at least 185 people and used their information to file fraudulent tax returns and cash refund checks, according to State Attorney Angela Corey and others involved in the investigation. ...read full article
Houston-area man pleads guilty to health care fraud, ID theft in forged physician signatures
HOUSTON — A Houston-area man has pleaded guilty in a nearly $1.2 million health case scam using forged signatures of doctors. ...read full article
Phillip Smith, Ring Leader of a $1 Million Identity Theft Ring, Faces 22 Years in Prison
Phillip Smith, a 55-year-old Bronx native, pleaded guilty in Manhattan Federal Court today for his role as ring leader of a large-scale identity theft scam involving customers with credit accounts at big retail stores. ...read full article
Navy veteran, VyStar customer falls victim to identity theft
Woman says her identity was stolen while stationed overseas
JACKSONVILLE, Fla. - Holly Meadows said her identity theft nightmare started when she received a credit card by mistake while she was stationed overseas. ...read full article
Woman Charged After ID Theft Investigation
A Vernon woman was taken into custody on Friday evening after an investigation into alleged identity theft activity, police said. ...read full article
Suspects in ID theft case anticipate deal
Two accused of 'skimming' credit cards
ST. GEORGE — Two men accused of "skimming" hundreds of credit card numbers will pursue a plea bargain with federal prosecutors, their attorneys said Friday in St. George's federal court. ...read full article
Sisters sentenced for identity theft
BATON ROUGE, LA (WAFB) - Two Baton Rouge women have been sentenced for an identity theft scheme that netted them nearly $150,000. ...read full article
Man faces multiple felonies for identity theft
BENNINGTON — A former resident of New Jersey is being held on $100,000 bail after he was charged with eight felonies based on an accusation that he had stolen the information of a South Carolina man and used it to obtain a driver's license and register two vehicles in Vermont in 2010. ...read full article
Woman charged with identity theft and forgery
FALLS — A Bristol Township woman is accused of stealing more than $3,600 from her employer by writing and cashing checks. ...read full article
Three Seaford Bothers Plead Guilty To Identify Theft Ring Involvement
Hussein brothers each face up to 15 years in prison after admitting to manufacturing fake driver's licenses out of their storefront smoke shops in Greenwich Village.
Three Seaford brothers have pleaded guilty to being part of an identify theft ring that "hijacked" store credit accounts and obtained more than $1 million. ...read full article
November 16, 2012
IT needs ID-as-a-service for move to cloud, expert says
Summary: Existing IT identity management systems don't provide the fuel to run cloud's motor for privacy, security
Broomfield, Colo. - The cloud's motor needs identity to run, but existing enterprise ID infrastructures are not fuel for that motor, according to identity expert Kim Cameron. ...read full article
Police Advise Identity Theft Precautions
Early morning on Nov. 1, Manhattan Beach patrol officers kept their eyes on a particular car maneuvering slowly and suspiciously throughout neighborhoods around 8th Street and John Street near downtown Manhattan Beach. ...read full article
"Operation Zig Zag" nabs 17 for identity theft
Bank tellers among those who helped steal over $500K of taxpayer money
JACKSONVILLE, Fla. — State attorney Angela Corey along with members of the Secret Service and IRS announcing they've busted 17 people for stealing hundreds of identities in at least four different states. ...read full article
17 arrested in Jacksonville ID theft, tax fraud at banks
A seven-month joint investigation by the State Attorney's Office, Internal Revenue Service and U.S. Secret Service has led to 17 people being arrested in an identity theft and bank fraud racket. ...read full article
NJ Woman Admits to Identity Theft Scheme Using Deceased Aunt's Credit Card Information
(Source: FBI) – CAMDEN, NJ—A Jersey City, New Jersey woman today admitted using the identity of her deceased aunt to obtain access to credit card and deposit accounts, causing three banks to lose more than $30,000, U.S. Attorney Paul J. Fishman announced. ...read full article
Tax fraud defendants include USD football players
SIOUX FALLS, S.D. (AP) — Nine people in South Dakota and Florida, including four former University of South Dakota football players and one current team member, have been indicted by a federal grand jury for tax fraud conspiracy and identity theft, prosecutors said Friday. ...read full article
Eight People Plead Guilty in $1M Identity Theft Scheme That Preyed on Hundreds Of New York Consumers
(Source: AG Eric T. Schneiderman) - NEW YORK – Attorney General Eric T. Schneiderman, United States Attorney for the Southern District of New York Preet Bharara and Special Agent-in-Charge James T. Hayes, Jr., New York Office of Immigration and Customs Enforcement's (ICE) Homeland Security Investigations (HSI), today announce the guilty plea of Phillip Smith, the leader of an identity theft ring who faces up to 22 years behind bars. This guilty plea is the result of a two-year investigation led by the New York State Attorney General's Office. Smith's plea was executed today before U.S. District Judge John F. Keenan in Manhattan Federal Court. ...read full article
Freehold Resident Charged with Identity Theft
Monmouth County Grand Jury hands down indictments
Beatriz Vega, 27, of Freehold was indicted on one count of third degree impersonation, theft of identity. Between Sept. 1, 2009 and Aug. 1, 2012 is charged with "obtaining personal identifying information," of a person in Howell, Freehold Township and Freehold Borough. ...read full article
November 15, 2012
Cuomo aide defends high bidder for DMV licenses
ALBANY, N.Y. (AP) - A top Cuomo administration aide is weighing into a dispute over the awarding of a contract to produce new driver's licenses with black-and-white photos. He says the choice is the best safeguard against terrorists and identity thieves...read full article ...read full article
Adobe confirms breach of Connectusers.com forum database, shuts down website
Adobe is in the process of resetting the passwords of all Connectusers.com forum users
IDG News Service - Adobe has shut down Connectusers.com, a community forum site for users of its Adobe Connect Web conferencing platform, because the site's user database was compromised. ...read full article
Spammers Trick Instagram Users into Signing Up for Premium Mobile Services
Experts warn Instagram users that spammers are trying to trick them into signing up for premium mobile services by promising them all sorts of prizes. ...read full article
Stolen code, 9-month hacking spree lead to criminal charges
Game operator: "Pay me $1500 and you will never hear from me again."
Federal officials have accused a Dutch man of hacking into a New Hampshire-based game company, tampering with sensitive user data, and using the stolen source code to start a competing online game. ...read full article
Grosse Pointe Shores Police Seeking Identity Theft Suspects
Reward offered by crime stoppers for at least nine identity theft incidents in the Metro Detroit area
GROSSE POINTE SHORES - Grosse Pointe Shores Police are asking for help identifying the subjects shown in the attached photos. The persons shown are believed to be responsible for at least nine identity thefts in the Metro Detroit area. ...read full article
York County man arrested on 29 counts of Identity Theft
CONEWAGO TOWNSHIP, York County— A Conewago Township man has been arrested for Identity Theft after a six month investigation. The Northern York Regional Police arrested 33-year old Marshall Bradley on 29 counts of Identity Theft. ...read full article
$287,000 stolen from Bainbridge man in identity theft case
BAINBRIDGE ISLAND — Nearly $300,000 was drained from the bank account of a Bainbridge Island man last week in an apparent case of identity theft, according to Bainbridge Police. ...read full article
November 14, 2012
Adobe investigates alleged customer data breach
The information, published on Tuesday on Pastebin, includes hashed passwords, names and email addressses
IDG News Service - Adobe said Wednesday it is investigating the release of 230 names, email addresses and encrypted passwords claimed to have been stolen from a company database. ...read full article
Yes, the FBI and CIA can read your email. Here's how
Summary: "Petraeus-gate," some U.S. pundits are calling it. How significant is it that even the head of the CIA can have his emails read by an albeit friendly domestic intelligence agency, which can lead to his resignation and global, and very public humiliation? Here's how. ...read full article
Adobe Allegedly Hacked, Attacker Claims He Gained Access to 150,000 Records
An Egyptian hacker called ViruS_HimA claims to have breached the systems of Adobe. To prove the fact that he has gained unauthorized access to the company's systems, he has leaked a file containing the records of 230 customers. ...read full article
Skype blocks password resets after account hijacking flaw made public
Knowing the email address associated with a Skype account was sufficient to hijack it
IDG News Service - Skype has disabled the account password reset option on its website following reports that the feature can be abused to hijack Skype accounts if the attackers know the email addresses associated with them. ...read full article
10,000 ID fraud gangs active in US, especially the Southeast, study finds
There are 10,000 active identity theft crime rings across the United States, with the greatest concentration in a "ring of fraud" that stretches across the Southeast from Virginia to Mississippi, according to a new report by fraud-fighting firm ID Analytics. ...read full article
'Ringleader' In ID Theft Scheme Faces Sentencing
A Woodlawn couple have admitted stealing identities and money from hundreds of people including doctors at Johns Hopkins. ...read full article
Child identity theft rising, according to FTC
JONESBORO, AR (KAIT) - In a world where technology reigns supreme, lawmakers are looking to combat identity theft, a growing problem according to the Federal Trade Commission. ...read full article
ID thefts of 49 cops lead to crime ring, feds say
The investigation began in March with the discovery that 49 Aventura police officers and six other people connected to the city government were victims of identity theft and tax fraud in the 2011 income tax season, authorities said. ...read full article
Dad fears school compromised daughter's identity
GWINNETT COUNTY, Ga. — A Gwinnett County family said their last name, Smith, has caused them repeated problems that could cause identity theft. ...read full article
Justices spurn ID-theft suit against government
The Supreme Court on Tuesday issued its first opinion of the new term, saying a lawyer cannot combine two laws to sue the federal government for violating identity-theft protection laws banning the printing of credit card numbers and expiration dates on receipts. ...read full article
November 13, 2012
2 RI men to go to trial in $25M investment fraud
PROVIDENCE, R.I. — PROVIDENCE, R.I. (AP) - Two men accused of stealing the identities of terminally ill people and using them to reap $25 million from insurance companies and brokerage houses are scheduled to go to trial in federal court on Tuesday, facing dozens of counts of wire and mail fraud, identity theft, money laundering and conspiracy. ...read full article
Darien woman charged with identity theft
A Darien woman was arrested for using a relative's information to make purchases at a Walmart store in Batavia. ...read full article
Genesee County woman charged with identity theft
A Genesee County woman faces charges for allegedly stealing the identity of a relative to buy items from a store. ...read full article
Mushrooming ransomware now extorts $5 million a year
Malware that disables PCs and demands hefty cash payments has come a long way.
Malware that disables computers and demands that hefty cash payments be paid to purported law-enforcement agencies before the machines are restored is extorting as much as $5 million from end-user victims, researchers said. ...read full article
European Commission Officials Say Their Computers Were Hacked in Azerbaijan
Neelie Kroes, the vice-president of the European Commission, has revealed that the laptops of her advisers have been hacked into while attending the Internet Governance Forum (IDF) in Baku, the capital city of Azerbaijan. ...read full article
Shareholders kept in dark on data breaches
CSO - It happened more than three and a half years ago. So it presumably would be old news that Chinese hackers broke into soft-drink behemoth Coca-Cola's computer systems and stole confidential files relating to its effort to acquire the China Huiyuan Juice Group for $2.4 billion. ...read full article
Mobile Security Revenue for Banks?
Why Institutions Are Best Positioned to Protect Mobile Payments
Increased interest in mobile wallets and growing smart phone use are paving the way for more mobile payments, and now is the time for banking institutions to identify what role they'll play in this emerging space. ...read full article
November 12, 2012
2 RI men to go to trial in $25M investment fraud
PROVIDENCE, R.I. (AP) — Two Rhode Island men are scheduled to go to trial for an alleged $25 million investment fraud in which they're accused of stealing the identities of several terminally ill people. ...read full article
The danger of identity theft after a car crash
Whether you are in a major car accident or even a minor fender bender, identity theft is not likely to be one of your immediate concerns after a crash. But you can't let your guard down as you swap auto insurance and other information. ...read full article
Man reports identity theft while stationed overseas
IDENTITY THEFT: A 24-year-old man reported he recently received an electric bill for $1,085.29 for service from 2007 at an address in the 200 block of Gallaher Street. The man said he was stationed overseas in the military during the dates in question. Police have a suspect. ...read full article
Identity theft conviction upheld
ASHEVILLE — The N.C. Court of Appeals has upheld the conviction of man who gave police someone else's name when he was arrested for shoplifting. ...read full article
Man charged with identity theft in savings bonds case
An 18-year-old North Side man accused of possessing dozens of savings bonds belonging to another man was ordered held on $20,000 bail Sunday. ...read full article
Postal service cracks down on mailbox thefts
Today we learn about a federal agency solving one of our problems. In 2009, The Watchdog kept hearing from readers that the blue mail collection boxes outside area post offices were an easy target for thieves. Mail bandits fished mail out of the boxes and used checks and money orders found inside for identity theft. ...read full article
Philly man found guilty of identity theft
A federal jury in Hartford recently found Anthony Johnson, 49, of Philadelphia guilty of credit card fraud and identity theft, nearly a year after he was first detained in November of 2011. ...read full article
Identity Theft Victim Turns Amateur Sleuth And Gets Suspect Arrested
ONTARIO (CBSLA.com) — A victim of identity theft turned amateur sleuth in Ontario and helped catch the suspect who was using her debit card information to pay for his gas, according to authorities ...read full article
Texan admist identity theft to degraud Tulsa credit unions
A Texas man pleaded guilty in Tulsa federal court Friday to using another person's Social Security number to finance the purchase of a Winnebago motorhome. ...read full article
Inland Empire: Investigators nab man in identity theft and credit card scheme
A Corona man is behind bars for allegedly running a large identity theft and counterfeit credit card scheme taking place at gas stations in Jurupa Valley and Norco, officials confirmed today. ...read full article
Woman charged with ID theft after multiple burglaries
JUNEAU – A 23-year-old Marshall woman made her initial appearance in Dodge County court Thursday on charges of attempting to use a debit card that was taken during a burglary in the Town of Leroy. ...read full article
November 9, 2012
Action 16 Investigation: Business Identity Theft
DICKSON CITY — We protect ourselves from identity thieves: People trying to steal our social security or credit card numbers and get expensive items and money. ...read full article
Woman Arrested For ID Theft, Stealing From Her Grandfather
Lexington, NC -- Deputies have arrested a 34-year-old woman for identity theft and stealing from her grandfather. ...read full article
How Medical Identity Theft Can Give You a Decade of Headaches
Arnold Salinas knows a lot about the person who stole his identity. He's 5-foot-9, 190 pounds. He pays for pizzas with forged checks, defaulted on a $17,000 car loan and has traveled the country, racking up speeding tickets and thousands of dollars in unpaid taxes, according to Salinas and a firm he's hired to clean up the mess. ...read full article
Md. man pleads guilty to identity theft
BALTIMORE (AP) — A Salisbury man has pleaded guilty to using information stolen from clients of a residential mental health program to open bank accounts. ...read full article
Identity theft charge traced to Salisbury
WATERTOWN — A Salisbury woman was arrested Wednesday after police say she stole $150,000 from a 95-year-old woman as part of a two-year identity theft scheme. ...read full article
November 8, 2012
Barbados National Sentenced to Prison for Using Stolen Identities to Obtain Tax Refunds
Defendant Filed False Returns Seeking Over $120 Million in Fraudulent Refunds
Andrew J. Watts, a Barbados national, was sentenced in Chicago by U.S. District Judge Joan Gottschall to 114 months in prison and ordered to pay restitution of just under $1.7 million for devising and executing a stolen identity federal income tax refund fraud scheme, the Justice Department and the Internal Revenue Service (IRS) announced today. ...read full article
Gaping hole in Google service exposes thousands to ID theft
Vast number of car insurance hunters at risk by flaw
Exclusive A security flaw accessible via Google's UK motor insurance aggregator Google Compare has potentially exposed vast numbers of drivers to identity theft. ...read full article
La Cañada ID theft suspect nabbed
Crescenta Valley sheriff's deputies on Tuesday arrested a man in Banning on suspicion of identity theft, the culmination of an investigation that began when he allegedly used a La Cañada Flintridge resident's personal information to open several credit accounts in June. ...read full article
Two men accused of ID theft in Simi Valley Costco incident
Simi Valley police said they arrested two men Tuesday who tried to make purchases using false identification and gift cards at Costco. ...read full article
Couple Sought in Identity Theft
The Bakersfield Police Department is asking for the community's assistance in identifying two suspects wanted for business burglary, unauthorized use of access cards and identity theft. ...read full article
PBSO seeking help to identity theft suspect
Palm Beach County Sheriff's Office deputies are asking the public to help identify a woman suspected of using a stolen credit card. ...read full article
N. Idaho man pleads guilty to bank fraud, aggravated identity theft
COEUR D'ALENE, Idaho — A northern Idaho man who stole two checks from a resident at a nursing home and then forged the resident's name and made the checks payable to his girlfriend for $500 has pleaded guilty to bank fraud and aggravated identity theft. ...read full article
November 7, 2012
Suspect pleads guilty to federal charges in Tampa tax fraud case
TAMPA -- A tax-refund fraud suspect has agreed to plead guilty to federal charges of wire fraud and aggravated identity theft. ...read full article
Image-Stealing Trojan Exposes Victims to ID Theft, Blackmail
A new breed of malware designed to specifically target image files can expose victims to identity theft, fraud, and blackmail, researchers said. ...read full article
Guilty plea for Md. man in identitity theft case
BALTIMORE — A Baltimore man has pleaded guilty to identity theft five years after being convicted of the same crime. ...read full article
Minneapolis woman pleads guilty plea in $387K ID scheme
A Minneapolis woman has admitted to an identity-theft scheme that bilked the IRS out of hundreds of thousands of dollars in tax refunds. ...read full article
Pizza Hut Australia Hacked, Attackers Claim They Stole Credit Card Details
Hackers going by the name of 0day and Pyknic have breached and defaced the official website of Pizza Hut Australia. They claim that they have obtained the details of around 240,000 credit cards, but the company's representatives claim that such information has not been compromised. ...read full article
Twinings Tea Company hacked, 1,600+ consumer credentials Leaked
A hacker using the handle @D0ct0r_Inj3ct0r has posted a leak of data to pastebin that comes from one of the worlds largest and well known Tea companies, Twinings. ...read full article
November 6, 2012
Identity Theft Crew Busted
A crew of suspected identity thieves has been busted in Omaha. After hitting several metro stores a few weeks ago they came back for more. But this time the Nebraska Furniture Mart security staff was ready. ...read full article
Medical identity theft growing fast and endangering lives
"Medical identity theft is the fastest growing type and it's also the most dangerous," explains Alex Gardner a certified Identity Theft/Risk Management Specialist. ...read full article
BNSF employees getting scammed with identity theft
PASCO, Wash. - A series of identity thefts have led Burlington Northern Santa Fe officials to believe their employee records have been compromised. ...read full article
Somers identity theft: $50k shopping spree; 2 charged
SOMERS — A month-long investigation into identity theft from a Somers resident resulted in the arrest of two men when they arrived to pick up a package, state police said. ...read full article
Man wanted for identity theft in Arizona arrested in Saco
SACO, Maine — A man living in Saco who had an outstanding warrant out of Arizona was picked up by police on Thursday. ...read full article
Baltimore man pleads guilty to identity theft
BALTIMORE (AP) — A Baltimore man has pleaded guilty to identity theft five years after being convicted of the same crime. ...read full article
1.7M mobile apps analyzed: Users tracked and put at risk, and it's unjustified
Summary: Network security company Juniper Networks investigated 1.7 million mobile apps. It concluded that free apps cost us our privacy, expose us unnecessarily, and most app permissions are unjustified. ...read full article
US Voters Targeted with Malware Hidden in Fake Election Documents, YouTube Videos
As US citizens prepare to elect their president, cybercriminals have intensified their malicious campaigns in an effort to take advantage of the buzz that surrounds the event. ...read full article
Telecom Italia Hacked by Anonymous, 30,000 Credential Sets Stolen
Anonymous hacktivists claim to have breached the systems of Telecom Italia, Italy's largest telecommunications company. ...read full article
Smart meters not so clever about privacy, researchers find
A University of South Carolina study found smart meters transmitting plain text information that could be used against home owners
IDG News Service - Researchers at the University of South Carolina have discovered that some types of electricity meter are broadcasting unencrypted information that, with the right software, would enable eavesdroppers to determine whether you're at home. ...read full article
McDonald's Gift Card Scam Advertises Rogue Facebook App
Facebook users should beware of posts that offer free $100 McDonald's gift cards since they're part of a scheme that's designed to lure victims to a malicious application. ...read full article
Woman Trafficked ID Theft Information, Police Say
A North County woman was discovered concealing stolen information that would have been used to steal identities of seven people, St. Louis County Police said. ...read full article
November 5, 2012
Haley describes identity theft ordeal
COLUMBIA — Gov. Nikki Haley said Friday that she was a victim of identity theft about a decade ago, explaining her push to get people signed up for credit monitoring after the security breach at South Carolina's revenue agency. ...read full article
Hot Line: Shameless scammers stealing kids' IDs
How would you feel if you discovered that your child's identity had been stolen and used to get a job, government benefits, medical care, utilities, a car loan and even a mortgage on a house? You probably wouldn't believe it, right?! Admittedly, it doesn't seem possible, but it's sweeping the country. ...read full article
Camille Dunn set for Franklin County hearing on identity theft charges
A Shippensburg area woman is facing identity theft charges after she allegedly opened multiple accounts and made purchases in the name of a woman she once cared for. ...read full article
Two Charged in $50K Identity Theft Probe
Somers resident's credit card information stolen, fraudulent computer purchases made.
A Bronx man and a Pennsylvania man have been charged in an identity theft probe that was launched after $50,000 in fraudulent purchases were made on the credit card account of a Westchester County resident, according to State Police. ...read full article
Gilbert man, sons arrested on suspicion of bank fraud, money laundering, ID theft at Chandler store
A Gilbert father and his two sons are facing federal charges following their arrests involving a $10 million money order scheme authorities say stemmed from the Mama Mia Panaderia and Market in Chandler. ...read full article
November 2, 2012
Identity theft scam diverts soldier's pay
Four days before payday, Army Capt. Stephen Redmon noticed online that his Sept. 14 check was going to be deposited in an unfamiliar bank account. ...read full article
Tax preparer arrested for identity theft
PANAMA CITY BEACH -- A Panama City Beach man was arrested Thursday on charges that he used copies of clients' tax returns to steal their identities. ...read full article
Chesterton man faces three count indictment on alleged ID theft
SOUTH BEND | A Chesterton man faces a three-count federal indictment on allegations he used his brother's identity to acquire approximately $10,000 in unemployment benefits. ...read full article
Bay County Identity Theft Arrest
The Bay County Sheriff's Office received a complaint from an employee in reference to identity theft. The employee realized his identity had been compromised and filed the complaint on September 24, 2012. ...read full article
November 1, 2012
Deputies: Woman wanted for identity theft in 3 states
HENDERSON COUNTY, N.C. — Henderson County authorities are looking for a woman they say is involved in identity thefts and forgeries in Northwest Georgia, Western North Carolina and Eastern Tennessee. ...read full article
Woman captured after 12 years on the lam following Santa Clara County conviction
An escaped convict with a history of stealing and identity theft in Santa Clara County was captured last week in Virginia, 12 years after she bolted from a Southern California corrections facility. ...read full article
AL Woman Indicted in a Sophisticated Identity Theft Scheme Involving More Than 1,000 False Tax Returns
(Source: Department of Justice) -Antoinette Djonret pleaded guilty today in two cases: one involving the filing of more than a million dollars worth of false tax returns using stolen identities and the other case involving the filing of false tax returns for clients, the Justice Department and the Internal Revenue Service (IRS) announced today. ...read full article
Bank Fraud Suspects Net $1M in Citibank Casino Scheme
Fourteen individuals were charged late last week after the Federal Bureau of Investigation, along with the Los Angeles Police Department and the Glendale, Calif. Police Department found they were behind a scheme that extracted more than $1 million from Citibank cash-advance kiosks in Southern California and Nevada between 2009 and 2010. ...read full article
Hackers crack Texan bank, Experian credit records come flooding out
Names, numbers, finances, EVERYTHING... and they weren't even customers
Hackers managed to get login credentials for Experian's credit scoring reports after they broke into the systems of Abilene Telco Federal Credit Union last year, it has emerged. ...read full article
Five Japanese detained for data theft
Summary: The five arrested are allegedly responsible for distributing malware in video apps for Android smartphones which affected 90,000 people, in what is Japan's largest information theft case. ...read full article
Woman pleads guilty in ID theft case
MONTGOMERY, Ala. (AP) — Federal authorities say a woman has pleaded guilty in Alabama to what they describe as a sophisticated identity theft scheme to defraud the government. ...read full article


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Welcome to our blog!
See what's brewing!
Minions Everywhere!
Are you a minion fan? Then this post is for you!
We kicked it off with making these individual minions which was a really tricky task to do. These guys are completely handmade & pieced together piece by piece. They were a pretty solid replica to the actual minions from the movies!
We used these little guys to add a little mischievous fun to the banners: both the happy birthday & name banner. I love how it added more personality to the banners & it looked like they were just goofing around; minion style!
One of my favorite new things was doing photo booth props! This is something I've been wanting to do, but haven't quite had the time to! What I love about this is we made them super minion & tailored to the family with some fun hashtag signs too! The chalkboard frames were a cute touch & they tied in with the...
We love making party decorations- especially when we're given the opportunity to do a good amount of them for a party so they can all flow together & look awesome! Here's the little guy who celebrated his 2nd birthday minion style!
To shop all our party decorations ;click here! Don't forget, we can customize anything & if you are looking for something that's not on our website, just ask us! We'd love to branch out and do some new products with you! Email us at firstname.lastname@example.com
to check out more pictures, enjoy the slideshow!
6/20/2016 06:12:29 pm
oh gosh I love it!! My nephew would love this!!
6/28/2016 11:42:22 am
This is such a fun decoration idea! Thank you!
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My name is Kristina and I'm the founder of Love Struck. Read about how Love Struck came to be, see how I make it happen or just read a random thought I just might have! Anything can happen at our blog & I wouldn't have it any other way! It's time to get Love Struck, and what better way to start than right here!
September 2018


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Hot Sauce
Opening hours
7 days: 4pm until late
Email us or phone: +64 4 802 8939
Hot Sauce
For those looking for a bar that really brings the fire, there is Hot Sauce.
QT Wellington cranks up the cool with Asian inspired dishes and banging cocktails; an ideal spot for lazy afternoon grazing, vibrant evening dining or a cheeky nightcap…or three. From pulled pork baos to beef tataki, Hot Sauce offers traditional Singaporean, Japanese, Korean and Thai flavours with a contemporary twist.
Mouth-watering dishes with cutting-edge cocktails, tight tunes and an electric vibe that embodies – no fuss, just flavour.


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The Big Sidetrack/
I've mentioned before that I most likely have attention deficit disorder. I prefer to think of it as "diffuse attention" and I think it serves me in storytelling. Because information is coming in at many levels during a performance, I'm aware of details in the stories and the audience and the space all at once. I'm able to react quickly to the unexpected. Useful. Not so useful is the downside: I have a zillion unfinished projects. There are stories I've worked on and abandoned, puppet ideas, half-baked themed programs, thoughts on marketing that I haven't followed through on. Right now, I've got Bulgarian stories to work on from my recent Fulbright, among other projects.
So here's the big sidetrack: in October I moved back to Lawrence KS from Kansas City, to the same neighborhood I lived in from 2000 to 2010. My new house is smaller than my last and a real fixer-upper. The former owner lived in the house for 25 years and didn't have the same taste as I do. We've ripped out the carpet and tossed all of the frilly curtains. We've taken down two closet walls. Lots of odd decor has gone. This was in the bathroom holding spare rolls of toilet paper (you may have seen it on Facebook):
Now there is wallpaper to strip,
walls to paint,
a garden and yard to uncover,
and much more. I've had phenomenal help from family and friends so far. This is going to be a long project, most likely lasting years. I hope I can sustain the attention for it.
Fortunately, I get to go out and tell stories, to remember what I do and why. I'm learning a lot in the house renovation, but I often feel incompetent. As a storyteller, I am at home in what I do. I had a nice Halloween season, with lots of library performing, the Kansas City Storytelling Celebration, a piece in a public radio benefit performance and a show at Children's Mercy Hospital. Next up is a week of storytelling and writing with kids in Salina, KS.


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does anyone know anything about betty cotton and her cotton theory? she developed a reversible quilt technique whereby only sections are done at one time. i once saw one in a lqs window, but i forget how it worked.
she has two books, the cotton theory quilting and the cotton theory quilting 2, but i don't want to buy them and my library doesn't have them. any
clues out there?


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Your workers' compensation claim is important to ensure that you and your family receive the financial support you need while you recover from your work-related injuries. These claims can drag on for months, though, which can be frustrating when you need relief quickly. Here are some things you can do to move your case along more quickly.
Hire a Lawyer
An experienced workers' compensation attorney can help your case immensely. They will provide knowledge and experience to make sure your case is filed correctly and any relevant documents or records are filed as well. The insurance company is also more likely to take your case seriously when you have a lawyer helping you.
Don't Reschedule Appointments
You will need to attend appointments with your doctors, medical exams with the insurance company's doctor, mediations, depositions, and other necessary events. Because of the large number of schedules you will need to work with and appointments you will need to attend, it is best to avoid rescheduling appointments. You may not be able to schedule a new appointment for several weeks, and it is possible that other meetings rely on information from the rescheduled appointment, which can delay your case considerably.
Consider Compromise
If you are willing to settle your case and compromise on the amount, you can receive payment sooner. You should still wait for a fair settlement amount, but you may choose to accept a lower amount than your case could merit. Don't hold out for an unreasonable settlement amount, but do talk with your lawyer about what a fair amount would be for your settlement.
If you have been injured while on the job, don't hesitate to get in touch with our Cobb County workers' compensation attorneys. You deserve compensation, and our experienced team at Chestnut & Beller will be with you every step of your case. Let us help you in this difficult time.
Contact our offices by calling (770) 285-5542 to schedule a free case evaluation.


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I am about to talk about my current favorite products. This article is actually my skin care routine since a few weeks now, especially for the winter cold.
Here in Paris, we went through a cold wave. The weather was extremely cold, and I was freezing. After a week or so, I noticed that my skin was paying the price of it, especially my face.
As you heard me saying it numerous times, I have dry skin. And the weather, it got even drier, especially around my mouth. It was like a crocodile skin.
I decided to look for a product that would really help me, I knew the brand Clinique, and I knew their good reputation. I already talked about this product in previous articles, and my opinion hasn't changed. The Extended Thirst Relief is , like the name says, a relief. It didn't do wonders at the beginning but after a week or so of serious application, I saw a difference. My skin wasn't dry, it was actually a surprise considering the dryness I started with.
The eyes are the reflection of the soul, that's what they say. I have been struggling with dark circles my entire life, but I never really took care of it. As I told you in this article about my favorite eye creams, I have been religiously using those products. Recently I switched the Panda Eye Cream with the Sublimist by L'Oréal and I love it. It moisturizes and helps reduce the vivid color of my dark circles.
The face is important yes, but let's not forget about the lips. You need a good lip balm to help moisturize and fight the cold weather. For that, my product is obvious. I have been using the Sunright lip balm by Nu Skin for 8 months, and I love it. Plus, it has SPF 15 which is a big plus. Protect your skin but don't forget your lips.
My body wasn't as in need as my face and lips, but I needed to care of it. I chose this body lotion by Yves Rocher. There are a lot of scents you can choose from, I already tried the mango one, but I am currently using the coconut scent.
I don't have currently a hand cream, I ran out of it. So, to moisturize my hands, I am mostly using the coconut body lotion I talked about. But before I ran out of it, I was using this one by Yves Rocher. I love fruity scents and I chose this particular one, blackberries, and I love it.
This article is long, but I really wanted to talk about those products. I truly love them all and I have been religiously using them morning and night, and it really helps with my dry skin.
How about you ? Is there any product you love ? Please share with us.


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"Go Virtual" with eLearning
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Bring teams of teachers together in one location to view the sessions and have district leaders facilitate discussions and group activities
Teachers may wish to "attend" the eConference on their own, any time of the day or night and work through the presentations independently
Principals may wish to present session to teachers at staff meetings
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Complete the registration and when your payments is received, you will be given a password to access this eConference. (Note: passwords are applicable for on the specific e-Conference for which you have registered)
Contact Rebecca at TW Branun & Associates for more information:
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As Iain Duncan-Smith rightly says, radical reform of the pension system is a must. He has made a commitment offering a more generous basic state pension and aims to reinvigorate private pensions via auto-enrolment. He is also keen to promote a culture of saving as well as enabling people to work longer.
All of this sounds great, but we need even more radical thinking if we are to really deal properly with the problem. If the government is serious about tackling poverty in old age and helping people make the right decisions for themselves, then we have to ensure that all the parts of the system are working properly. We cannot sort out pensions without also addressing retirement.
A pension is, at its most basic, income support for people too old to work, with society ensuring they are not destitute and can afford to live. This would normally be considered a state role.
However, the basic state pension is hopelessly inadequate and cannot provide the social welfare underpin that is needed to ensure older people escape poverty. At just £97-65 a week, even after a full lifetime of national insurance contributions, the full basic state pension is a disgrace.
We have about the lowest state pension in the developed world. The government is talking about making it more generous, but it is doing this far too slowly. Even if the basic pension rises by 3% a year, each year from now to 2016, it will still only be £116.59 a week.
That means people must have additional income just to bring them up to any decent standard of living. At the moment, the state pays pension credit of £132-160 a week to anyone over 60 who does not have enough money to live on.
But pension credit is means-tested so anyone who has a private pension will be penalised by the gradual withdrawal of the state benefit. This undermines the whole concept of private pension savings. And if people keep trying to do a bit of part-time work, the means test penalises them too. So the first essential part of radical reform should be to sort out this situation, and it is not as simple as increasing the pension age.
We need to radically rethink retirement and put measures in place to facilitate part-time working at older ages. Longer working lives are inevitable, but we have to be careful how we achieve this, to make sure there are jobs available, that the labour market is ready to accommodate such a move and to give people time to plan.
The government plans to phase out the default retirement age, which should have been done long ago: it is ludicrous that employers can sack someone just for being 65. Employment should be determined by fitness for the job, not age. But there is still so much age discrimination in the labour market that we cannot expect things to change quickly.
Facilitating part-time work in later life could be a win-win for everyone. Not forcing people to work, but making sure they can if they want to and particularly part-time – that would be a better life. Two or three days a week working, four or five days a week off, gradually cutting down and keeping economically active.
This will improve the economy, since we will not be wasting the talents and resources of older members of society.
Ros Altmann is a governor of the LSE and former government adviser on pensions