Thursday, November 1, 2012

What Makes a Good Corporate Citizen? A Discussion and Case Study

What Makes a Good Corporate Citizen? A Discussion and Case Study


A good corporate citizen is a company that first views the importance of being a good citizen as an integral part of their core business. Helping to improve the quality of life for others makes a company socially responsible and connected to its community. Corporate citizenship is about the contribution a company makes to society through its core business activities, its social investment and philanthropy programs and its engagement in public policy.

What Makes a Good Corporate Citizen? A Discussion and Case Study

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Nicki Minaj - Va Va Voom (Explicit)



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Nicki Minaj - Va Va Voom (Explicit)



Music video by Nicki Minaj performing Va Va Voom (Explicit). ©: Cash Money Records, Inc., under exclusive license to Universal Republic Records, a division of UMG Recordings, Inc.

Nicki Minaj - Va Va Voom (Explicit)

Nicki Minaj - Va Va Voom (Explicit)



Nicki Minaj - Va Va Voom (Explicit)

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Top 10 Principles for Positive Business Ethics


This morning, I read about a company using on-line auctions to defraud customers. Last week, I consulted on an ethics complaint where a business coach betrayed a client's confidentiality. And, recently a Physician was convicted of insider trading based on information from a patient, a violation of both business ethics and her professional ethics.

Top 10 Principles for Positive Business Ethics

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Nicki Minaj - Va Va Voom (Explicit)



Video Clips. Duration : 3.35 Mins.



Nicki Minaj - Va Va Voom (Explicit)



Music video by Nicki Minaj performing Va Va Voom (Explicit). ©: Cash Money Records, Inc., under exclusive license to Universal Republic Records, a division of UMG Recordings, Inc.

Nicki Minaj - Va Va Voom (Explicit)

Nicki Minaj - Va Va Voom (Explicit)



Nicki Minaj - Va Va Voom (Explicit)

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How to Open a Halfway House Or a Recovery Home


To begin with, let us tell you that this article is going to smash any preconceptions out there regarding opening a halfway house in the USA. You do not need a license, permit, or any other document to open a halfway house. If any person, government official, government agency, zoning commission, etc. tells you otherwise, they are engaging in illegal and unfair practices. Know your rights (see bellow links to know your rights).

How to Open a Halfway House Or a Recovery Home

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Nicki Minaj, Cassie - The Boys (Explicit)



Tube. Duration : 4.80 Mins.



Nicki Minaj, Cassie - The Boys (Explicit)



Music video by Nicki Minaj & Cassie performing The Boys. © 2012 Cash Money Records Inc., under exclusive license to Universal Republic Records, a division of UMG Recordings, Inc.

Nicki Minaj, Cassie - The Boys (Explicit)

Nicki Minaj, Cassie - The Boys (Explicit)



Nicki Minaj, Cassie - The Boys (Explicit)

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NATIONAL LAWS (ADA) ALWAYS SUPERSEDE LOCAL LAWS.


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How to Open a Halfway House Or a Recovery Home



Just for a hypothetical situation; let's say that 3 people who have depression decide to become roommates in a home. Should they be shut down and kicked out of the neighborhood because of their disability? Does that mean they have to get a license or permit to stay? Of course not. They are protected under the ADA (Americans with Disabilities Act), as well as other determinations (see links below) against such discrimination. Havingchemically dependent persons in a home is no different!!! Alcoholics and addicts have the same laws to protect them.



How to Open a Halfway House Or a Recovery Home

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It is a well known fact that City Councils have tried to stop halfway houses in their neighborhoods by stating that a halfway house with alcoholics and/or addicts, in other words disabled persons, (and alcoholics and addicts qualify as disabled under the ADA), must not have roommates (as in 2 people in a room at a house), which prevents most halfway houses from opening.

If you have a house, and you want to open a halfway house, and your mortgage payment is 0.00 per month (see additional expenses at the bottom of this paragraph), there are many things to consider before accepting residents into your house. Let's say, hypothetically, you follow licensing and zoning guidelines. With the average charge to a resident with a substance abuse problem, being around 5.00 per week, you can see that if you went with what the license division / politicians tell you, (which are illegal tactics), you would be out of business shortly. Keep in mind that in addition to your mortgage payment are things such as: utilities, phone service, water, food, furniture, cooking utensils, beds, sheets- basically everything you would need to survive, etc.

On the other hand, if you did not license your house, you could put in 2 or 3 people in a room and keep your halfway house open. In other words, helping others to get a hand up at living sober. Please read more details below...

NATIONAL LAWS (ADA) ALWAYS SUPERSEDE LOCAL LAWS.

How to open a Recovery Home, Halfway House, Sober Living Home OR starting a Half Way House/Recovery Facility*- Resources to assist you. This article includes information on the standards and requirements of opening and operating a Halfway House/Recovery Home- NOTE: Not every county in the United States approaches standards and licensure in the same way- it is best to contact your local licensure department and/or zoning division.

The first thing you should know about opening a halfway house is that you do not need a degree or special certification to open one, and that most operate without a license/permit. Also, under the ADA (Americans with Disabilities Act) and The Fair Act Amendment, as well as other determinations, makes it illegal to discriminate against halfway houses and the people who own, operate, and live in them. Please see our links below for more information concerning these issues. There are a number of other important issues to cover concerning opening a halfway house that are vital to know.

You must first decide where you will operate. Once you have determined a location you have a choice in whether to license* the facility or not. There are also other permits, inspections, zoning variances, etc. to explore prior to opening up a halfway house. Please keep in mind that it is your choice whether to obtain a license, permit, and other certifications for the operation of a halfway house. If you choose to open a halfway house without a license, there are certain parameters you must operate under to make sure you are not shut down by the county/city you operate within. It is always best to check into what is required, allowed, and not allowed by contacting your local licensure agency and zoning department.

Most halfway houses that are not licensed are mandated to NOT provide on-site counseling or other wrap-around services- to avoid additional

paperwork and hassles, you could provide these services at a local church or other building. Most halfway houses that are licensed may need to

obtain a zoning variance, simply because (in the eyes of politicians) you are basically operating a business in a residential area. You may find that

because you are licensing it, the county (Zoning Commission) will limit the number of people you can have in any one room and at any one residence.

A halfway house that is going through the licensing process (and this may take months, even years to work out) will be required to have certain

structural adaptations made (water/fire sprinkler lines installed- which is very expensive) wheel chair accessible, parking and traffic issues to deal with, etc.

There are some overhead details to work out before you start taking in residents. You should know how many residents you will have in each room, what you are going to charge each resident, and what services are included in this cost or rent. You may also have to contend with residents coming in with no money, or that some residents will be late and/or short of the entire rent monies owed. It's up to you how you handle these situations. If you have a house ready to use as a Halfway House (providing you have decided whether to license it or not) and your mortgage payment, for a 4 bedroom home, is 0.00 per month (estimate), you will also need to factor in start-up and continued costs like food costs per week, water and utility costs, household needs, (paper towels, toilet paper, dish soap, cleaning chemicals, phones, etc.), as well as monthly and yearly costs, (beds and sheets, TV, computer(s), Internet connection, towels and face clothes, shampoo, dishes and utensils, pest control services, vucuum(s), maintenance, etc.)- basically everything you would need if you were starting from scratch in a new home (considering you have nothing on hand) only this time it is for X number of people. Also include additional items, if licensed, like license and permit charges, health inspection fees, reports, paperwork and filing, accounting, etc. With the above example you can clearly see that many licensure and zoning variances would limit you to having only 4 people at your house, so meeting your overhead is not possible- you would be operating in the red every month.

Fair Housing Act

A case in point (actual court case) in which, for a period of more than 1 year, a city violated the provisions stated within the Fair Housing Amendments

Act (Title VIII of the Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988, 42 U.S.C. §§3601-3619) and denied the operating of a Halfway House within a residential area.

In an effort to assist individuals, agencies, religious affiliations, etc. open recovery places and tackle the unfair and illegal tactics politicians and others are using to stop them, NICD has put together some basic, and very needed, resources to aid in the journey. Counties are using zoning

codes/variances to try and control halfway houses/sober living homes and the total census allowed within these centers. Some of the bias is a

NIMBY, (Not In My Back Yard) situation, while others include property value concerns. In any case, the reasons for discrimination and unfair tactics are not based on fact or material circumstances. These counties and individuals are in violation of the law as it relates to the ADA, (Americans With Disabilities Act), Section 36.209 section 510 which describes alcoholics/drug addicts as people with disabilities. The Federal Fair Housing Act, (see link below), 42 USC section 3604(f)(2) makes it unlawful "to discriminate against any person in the terms, conditions, or privileges of sale or rental of a dwelling, or in the provision of services or facilities in connection with such dwelling because of a handicap." The 42 USC section 3604(f)(3)(B) provides that unlawful discrimination includes failure to make "reasonable accommodations in rules, policies, practices.

providing some resources that you can use in starting up a program.

There are numerous obstacles to overcome in trying to open up a halfway house for alcoholics and/or drug addicts. NICD will attempt to help you by

Note: Please feel free to copy/print this page, as we have waived the copyright for this page only.

Some additional concerns you may encounter:

The next section has some rules that should be a part of any quality run halfway house. In addition to these is a section for navigating your way

through getting your residents into benefits and entitlements.

Specific: Halfway Houses Rules- A good halfway house should have rules. We have constructed some that we feel are essential.

RULES & REGULATIONS

IMMEDIATE DISCHARGE

*Being under the influence of alcohol and/or drugs

*Possession of alcohol/drugs

*Possession of weapons

*Threats either verbal or physical, or acts of violence, fighting

*Property destruction or altering the physical construction of the premises, including interior walls

*Failure to submit a U/A (which are always at your cost)

*Unaccountable or discrepancies in times off of premises

*Lies, either found on your intake paperwork or otherwise, stealing, unusual behavior, and any criminal activity

*Failure to comply with rules and/or staff directions

1. You are required to attend at least 3 12-Step meetings per week, have a program book, (Big Book, NA Text, etc.), and have your meeting slip

signed by a member of the group, and not another resident, and attend on-premises "House Meetings" which are held 2 times per week, 1-2 hours per meeting.

2. House meeting attendance is mandatory, (which means you must arrange for employment that does not interfere with these meetings), there are

no exceptions to this rule.

3. For the first 30 days you are to remain on premises, (during this time you are expected to be working on your steps), and must arrange 12-Step meeting attendance with another resident who is not on restriction, and this must be pre-approved by the house manager.

4. You are required to sign-out when leaving the premises, and sign-in upon return- all leaves must be pre-approved by the house manager in

advance, and any inconsistencies in leave times are grounds for discharge.

5. Rent must be paid every Friday directly to the house manager, and kept up to date without exception.

6. You must see the house manager at least 1 time per week to discuss your recovery program- it does not count as a visit to discuss program while paying rent, unless the house manager chooses to do so.

7. You must obtain a Home Group and a Sponsor (You must provide a contact name and phone number), within the first week of residency, and this will be verified.

8. You must have Steps 1,2, and 3 in writing, and present these in the House Meeting by the 3rd week, along with a copy to the house manager.

9. You are required to be employed full time, and you are not permitted to quit a job without first discussing it with the house manager, (employment status will be checked on periodically).

10. There are certain types of employment that are not allowed, and you must speak with the house manager

11. No cab driving, working in bars, clubs, or places that sell alcohol.

12. Your room must be kept neat, with your bed made at all times, rugs vacuumed, toilet cleaned, kitchen area clean, which means absolutely no

glasses, dishes, forks, knives, spoons, etc. left in the sink at any time, and any trash disposed of in a timely manner.

13. You will be assigned daily and weekend chores (these are mandatory as part of your stay).

14. All vehicles will have current tags and insurance, and this must be verifiable. Also, there will be no storage of vehicles, and no working on vehicles on the premises.

15. Bikes and other modes of transportation must be stored in the appropriate locations, and security for these are at your own cost.

16. Any situation that requires police involvement must be discussed with the house manager before the police are called, (any police involvement

without house manager approval will be grounds for discharge).

17. There are absolutely no visitors allowed on premises without prior approval from the house manager.

18. There will be no congregating outside, no loud music or discussions, no walkmans, caps, sunglasses, bandanas, or inappropriate dress allowed, and you are required to attend to daily hygiene needs.

19. No one is allowed in another residents room- period.

20. There are no sharing of clothes, personal property, loaning money, borrowing vehicles, including bikes by either staff or residents.

21. You may be requested to submit to a U/A at any time, which may include either with cause or without.

22. Any resident who is aware of a rules infraction and does not notify the house manager immediately will be subject to discharge, which includes

finding out later that you knew about it.

23. All rooms are subject to inspections at any given time, and any room that does not pass inspection may cause all residents in that room to be

discharged.

24. Smoking is not allowed in rooms.

25. There will be no illegal hook-ups of cable, or use of cable boxes. Cable hook-ups will be done legally, at your cost, and your risk. If bills are not current you will be required to cut-off services until the bill is paid for.

26. Phone hook-ups are your responsibility, as are the bills that go along with it.

27. Any cooking done by residents requires immediate clean-up.

28. Any delegation, directive, or request that is made by staff will then become a rule.

29. Any medical conditions and/or injuries must be brought to the attention of the house manager.

30. Calls to 911 for medical conditions, injuries, etc. must be approved by the house manager before calling.

31. If there is an emergency, call 911, and then notify the house manager immediately.

32. Any and all medications, including pain pills, psych. meds, aspirin, Advil, cold, flu, sinus, etc. will be kept, and locked up by the house manager and dispensed according to the instructions on the bottle- any Rx. or

33. House shut downs will occur if chores are not done, the grounds and buildings are not cared for, rooms are not kept clean, or general attitudes are not in line with house etiquette, and is done so at the discretion of the house manager.

34. All rules and regulations are subject to additions and changes at the house managers discretion.

This is not a complete list of all the possible rules and/or violations that may happen, so to insure a healthy, happy, drug and alcohol free recovery

environment please do your part to use common sense when it comes to either doing or not doing something that may affect yours and others

continued stay.

Finally, staff will not take the role of cop, lawyer, or investigator. This means discharges will occur without investigation of who did what, what was said, who is, or who is not at fault.

The NIMBY Syndrome, (Not In My Back Yard), is one area that an owner of a recovery home / halfway house will have to contend with. It is usually best to address this issue up front before you open, or before construction is started. Your local Zoning Commission office should be able to provide information on the area you plan on opening the halfway house in. The census bureau can provide information on the neighborhoods make up, (economic base, average salaries made, gender average, average cost of homes in the area, and other good information to educate yourself with).

Check to see if there is a homeowners association, as that could be your best bet in getting to know your neighbors, and them getting to know you.

You should plan on going to one of their meetings before you open, but definitely after you have been armed with the information that you know will come up for discussion. Some concerns will be on whether or not you will accept violent offenders, psychiatrically unstable residents, how your home will affect property values. You can convince people that you plan on running a safe, drug free, and strict program by bringing a copy of your intake protocol and halfway house rules. Let them know how you plan on handling the situation when one of your residents comes up positive on a drug

screen. You should develop, in writing, protocols for dealing with this and other situations- there should be a plan of action that all staff and residents are to follow in any given situation. There will be some fear there, as no one wants a drug addict discharged/kicked out in their neighborhood at 1:00 A.M. on a weekend or any other time.

You need to arm yourself with the facts and also how you will handle all sorts of possible situations. If you take the lead and let your neighbors know, before they ask, what they can expect from you, you will go far in gaining their trust. Just be sure you follow through as you promised. It will pave the way to open another site, if you want to, if you have a great relationship with those that live around your halfway house.

In six major studies of communities where halfway houses were opened, no significant change in average housing prices could be found (MacNeil & Kappel, 1986, Part III.A.).


How to Open a Halfway House Or a Recovery Home








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Business ethics are the key to profits. If clients and customers don't trust you, and your business ethics, they will not do business with you. Would you buy from a company you didn't trust? Of course not!


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Top 10 Principles for Positive Business Ethics



Business ethics have become a hot-button topic. There are often ethical conflicts between making money, and doing what is right. There can be dilemmas about doing what is best for your employer, what's best for your own career, and what's best for the customer. Business ethics is about negotiating these mine-fields. Here are my Top 10 Principles for Positive Business Ethics:



Top 10 Principles for Positive Business Ethics

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1. Business Ethics are built on Personal Ethics. There is no real separation between doing what is right in business, and playing fair, telling the truth and being ethical in your personal life.

2. Business Ethics are based on Fairness. Would a dis-interested observer agree that both sides are being treated fairly? Are both sides negotiating in good faith? Does each transaction take place on a "level playing field"? If so, the basic principles of ethics are being met.

3. Business Ethics require Integrity. Integrity refers to whole-ness, reliability and consistency. Ethical businesses treat people with respect, honesty and integrity. They back up their promises, and they keep their commitments.

4. Business Ethics require Truth-telling. The days when a business could sell a defective product and hide behind the "buyer beware" defense are long gone. You can sell products or services that have limitations, defects or are out-dated, but not as first-class, new merchandise. Truth in advertising is not only the law, business ethics require it.

5. Business Ethics require Dependability. If your company is new, unstable, about to be sold, or going out of business, ethics requires that you let clients and customers know this. Ethical businesses can be relied upon to be available to solve problems, answer questions and provide support.

6. Business Ethics require a Business Plan. A company's ethics are built on its image of itself and its vision of the future and its role in the community. Business ethics do not happen in a vacuum. The clearer the company's plan for growth, stability, profits and service, the stronger its commitment to ethical business practices.

7. Business Ethics apply Internally and Externally. Ethical businesses treat both customers and employees with respect and fairness. Ethics is about respect in the conference room, negotiating in good faith, keeping promises and meeting obligations to staff, employers, vendors and customers. The scope is universal.

8. Business Ethics require a Profit. Ethical businesses are well-run, well-managed, have effective internal controls, and clear expectations of growth. Ethics is about how we live in the present to prepare for the future, and a business without profits (or a plan to create them) is not meeting its ethical obligations to prepare for the future well-being of the company, its employees and customers.

9. Business Ethics are values-based. The law, and professional organizations, must produce written standards that are inflexible and universal. While they may talk about "ethics", these documents are usually prescriptive and refer to minimal standards. Ethics are about values, ideals and aspirations. Ethical businesses may not always live up to their ideals, but they are clear about their intent.

10. Business Ethics come from the Boss. Leadership sets the tone, in every area of a business. Ethics are either central to the way a company functions, or they are not. The executives and managers either lead the way, or they communicate that cutting corners, deception and dis-respect are acceptable. Line staff will always rise, or sink, to the level of performance they see modeled above them. Business ethics starts at the top.

Ethics is about the quality of our lives, the quality of our service, and ultimately, about the bottom line. An unhappy customer complains to an average of 16 people. Treating employees, customers, vendors and the public in an ethical, fair and open way is not only the right thing, in the long run, it's the only way to stay in business.


Top 10 Principles for Positive Business Ethics








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The manner in which a company manages its economic, social and environmental relationships, and the way it engages its stakeholders (such as shareholders, employees, customers, business partners, governments and communities), has an impact on the company's long-term success. For a business being profitable is the major goal. At the same time however, in order to succeed in a long-term plan, a business must have an active sense of social responsibility.


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What Makes a Good Corporate Citizen? A Discussion and Case Study



Fortunately, there are many companies who we can turn to as a case study on good corporate citizenry. I have chosen Green Mountain because the company has been recognized by many reporting agencies of being a "good corporate citizen (social responsibility magazine, greenbiz news, Forbes Magazine, etc.). Green Mountain Coffee (GMC), a public traded company, is a leader in the specialty coffee industry. The Company roasts high-quality arabica coffees and offers over 75 coffee selections including single-origins, estates, certified organics, Fair Trade, proprietary blends, and flavored coffees that it sells under the Green Mountain Coffee Roasters® brand (GMCR). The majority of Green Mountain Coffee's revenue is derived from its wholesale operation that serves supermarkets, convenience stores, offices, and other locations.



What Makes a Good Corporate Citizen? A Discussion and Case Study

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The company has been socially and environmentally active. Green Mountain upped the ante in 1989 when it formed an environmental committee and created a rainforest nut coffee to support the Rainforest Alliance, a non-profit dedicated to protecting ecosystems. The company has grown increasingly active in the countries where coffee is grown and has been a pioneer in the fair trade movement, which pays coffee growers stable, fair prices. But the biggest change came in the early 1990s when the company began sending its employees on trips to see where the coffee is grown.
Green Mountain, with 600 employees, saw 2005 revenue of 1.5 million with net income of million, a 15 percent increase over the year prior. Since 1988, it has donated more than 0,000 to Coffee Kids, an international nonprofit seeking to improve the quality of life for children and families in coffee-growing communities. Through the Coffee Kids program, the company supports a micro-lending facility in Huatusco, Mexico and a sustainable sanitation system in Cosaulan, Mexico. It also has provided financial support to the FomCafe cooperative's quality control training program, which helps farmers earn higher profits for coffee.

In 2006, Green Mountain released its first corporate responsibility report. "We are focusing on measurement so we can understand the economic and social impact of the company and create indices so we can better focus those efforts," stated Green Mountain CEO, Bob Stiller. "Just the process of getting all that information in one place is valuable," notes Michael Dupee, vice president of corporate social responsibility. "It makes you think about and gain insight into what's working and what's not, so even if you never published anything, it's worthwhile" (www.greenmountain.com).
In 2004 the company expanded from one executive in social responsibility to three. Besides Dupee's position, there is a director of sustainable coffee and a vice president of environmental affairs. Some 45 percent of Green Mountain's coffee is purchased farmer-direct, which cuts out the share middle men take. And 20 percent of coffee sold is certified fair trade, which incorporates principles of environmental sustainability and respect for cultural identity, while guaranteeing growers minimums of .26 per pound when commodity prices might be far lower. Consumer interest in fair trade is growing, Stiller says, "Because through their purchases they want to make a difference in the lives of growers."

As Porter and Kramer highlighted in their book, Strategy & society: The link between competitive advantage and corporate social responsibility, "Corporations are not responsible for the entire world's problem, nor do they have the resources to solve them all." As businesses strive to build their brands and differentiate themselves from the competition, practicing good corporate citizenship is one healthy and wise strategy that businesses differentiate from the pack. As was highlighted in this paper, from a marketing and communication perspective, corporate citizenship is not just good but it is good for business.


What Makes a Good Corporate Citizen? A Discussion and Case Study





Sunday, October 14, 2012

Landlord Background Checks - Do a Background Check On A Tenant

Landlord Background Checks - Do a Background Check On A Tenant


Many people with properties earn an extra income or make their income by renting out their home or establishMents. The landlord usually tries to rent out their home or other establishMent to known people or through people known to them in order to avoid the risk of getting tenants who may not pay the rent properly.

Landlord Background Checks - Do a Background Check On A Tenant

Landlord Background Checks - Do a Background Check On A Tenant

Landlord Background Checks - Do a Background Check On A Tenant


Landlord Background Checks - Do a Background Check On A Tenant



Landlord Background Checks - Do a Background Check On A Tenant

But, renting out the home or establishment to a known person is not always a possibility and the landlord might have to rent out their place to a person unknown to them. In such cases, it becomes necessary for the landlord to run a background check on the tenant to ascertain his credibility and the ability to bear the financial responsibility of paying the rent.

There is also the risk of the person whom the landlord wants to rent out his premises having a criminal background or being a terror suspect, etc. There are chances that the person may be a habitual sex offender. All these associated risks make it imperative for background checks by a landlord on his tenant.

Usually, such background checks for the landlord are conducted by accredited agencies that work on the guidelines from FAir Housing Laws and FAir Credit Reporting Act. As per these acts, there are certain types of landlord background checks on the tenant that require a consent to be signed by the prospective tenant before they can be conducted.

Based on data provided by the prospective tenant, the agencies will verify the information with references and also by checking various data bases. The agency will first conduct the employment verification and tenant verification by contacting the list of references provided and checks the authenticity of the information.

Once this has been completed, the agency will then continue the landlord background check on the tenant by accessing several public records such as social security number, driving motor vehicle records, etc to check the identification of the person and also to cross refer the information provided by the tenant as well as his references.

They will then conduct a search on some databases such as state or county criminal records, sex offender registers, state eviction records, etc to search whether the person has any criminal background and to ascertain whether the person has any history of violence and creating nuisance. The also access a database called the terror Watch list report that has a list of terror suspects and most wanted people to eliminate the chance of the person belonging to any such lists.

If sought for, the agency conducting the landlord background check on the tenant will also run a check on credit history of the person. This is to ascertain whether the person is running any bad debts that may affect his financial standing and his capability to pay the desired rent.

Landlord Background Checks - Do a Background Check On A Tenant

Tuesday, September 25, 2012

CCC Valuescope & USAA Conspiring to Defraud, Committing RICO Act Violations?

CCC Valuescope & USAA Conspiring to Defraud, Committing RICO Act Violations?


I am filing a consumer complaint against CCC Valuescope (CCCG) and my insurer USAA for falsely alleging a fAir "market value" of my automobile.

CCC Valuescope & USAA Conspiring to Defraud, Committing RICO Act Violations?

CCC Valuescope & USAA Conspiring to Defraud, Committing RICO Act Violations?

CCC Valuescope & USAA Conspiring to Defraud, Committing RICO Act Violations?


CCC Valuescope & USAA Conspiring to Defraud, Committing RICO Act Violations?



CCC Valuescope & USAA Conspiring to Defraud, Committing RICO Act Violations?

My insurer USAA has breached its duty to exercise the utmost good faith to me its insured. By using CCC Valuescope (a company I allege violates the U.S. federal RICO Act) USAA has intentionally provided me a low and fraudulent valuation of my automobile in hopes of obtaining an unreasonable and unfAir settleMent.

CCC Valuescope (formerly known as CCC Information Services Group Inc - CCCG) can by no means be deemed a fAir and market value of automobiles as CCC Valuescope works exclusively for insurers and therefore has an economic interest to Supply valuations that are intentionally below the actual fAir market value of what insured vehicles are truly worth.

It is known fact throughout the insurance industry that CCC gathers its values from what car dealers would sell a vehicle for at baseMent wholesale prices, not the true "retail value of an auto of like kind and quality prior to the accident" as mandated by FL insurance regulations. Moreover CCC Valuescope uses a mix of vehicles formerly leased, used, and abused among wrecked cars when compiling valuations to afford their insurance company customers paying out total losses the lowest possible "values" to present their insured.

Ironically, nearly every vehicle in CCC Valuescope's appraisal of my car report consisted of vehicles that had over 20 records indicative of issues such as accidents and faulty cars. Among the report, some cars had 28, 31, and 32 records.

Cutting costs and denying its insured "the utmost due care" historically can be docuMented against USAA beginning with the class action lawsuit against USAA in Washington's King County (March 12, 1999) for compelling auto repair shops to use "imitation" parts in repairs, while simultaneously hiding this practice from policyholders. Beyond auto insurance, USAA has countless complaints filed against it in 27 states across the country.

CCC Valuescope is not independent in their valuations since they are a hired gun for the insurance companies! Upon conducting a VIN search on the vehicles within the CCC report 39813905, many cars had over 20 records indicative of numerous collisions, issues with the vehicle, and several changes of ownership. By relying upon CCC's intentionally low valuation of my vehicle, USAA is breaching its fiduciary duty to act in good faith in handling my claim. No fair and honest evaluation of my claim can be performed by CCC as it is contracted by insurers for the primary purpose of minimizing monies paid out by insurers to its fiduciaries. By using CCC Valuescope, USAA is clearly not exercising the "utmost due care" in the interest of me its insured as required by Baxter v. Royal Indemnity.

CCC admitted itself in its SEC Filing on 3-16-2005 that "the Company sometimes pays a new customer for the remaining commitMent of its previous contract with third parties as an incentive". In regard to regulation, CCC mentions in the same filing "in most states, however, there is no formal approval process for total loss valuation products". CCC itself confesses in the same report "individual state departments of insurance have taken positions as to whether the use of CCC Valuescope valuations is in compliance with a states claim handling regulations".

"The Company is aware that since 2002 the California Department of Insurance has advised some of the Company's customers (which management estimates to be approximately 14% of the total revenue earned in 2004 from the Company's CCC Valuescope valuation product and service) that the Department believed that their use of CCC Valuescope had not been in compliance with the California insurance regulations in effect prior to October 4, 2004, with respect to certain components of the products methodology. The Company believes the product was in compliance with the applicable California regulations."

"On April 24, 2003, the California Department of Insurance formally adopted new regulations that required the Company to change its methodology for computing total loss valuations in California." There is good reason therefore to believe CCC Valuescope's valuation methodology is terribly flawed and skewed to favor its insurance company customers.

In CCC's annual report filed February 13, 2004 the legal proceedings and numerous class action lawsuits against CCC are documented in pages 35, 42, 43, and 44 of the 53 page report.

On page 35, CCC Valuescope admits to setting aside .3 million as an estimate towards potential settlement to "resolve potential claims arising out of approximately 30% of the transaction volume of CCC Valuescope".

By acknowledging 30% of transaction volume becoming potential claims, CCC Valuescope thereby makes it public record that it anticipates a sizeable percenTAGe of lawsuits for unfair and fraudulent valuations. Such a high percenTAGe of transaction volume alone attests to the flawed methodology of CCC's report, its unscrupulous dealings, and wholehearted commitment to protect the financial interests of the insurers it serves.

Ironically, four of CCC Valuescope's automobile insurance company customers have made contractual and, in some cases, also common law indemnification claims against CCC for litigation costs, attorneys' fees, settlement payments and other costs allegedly incurred by them in connection with litigation relating to their use of CCC's flawed TOTAL LOSS valuation product.

Certainly the countless class action lawsuits filed across the United States against CCC Valuescape provides further evidence concerning the grossly low and inaccurate valuations of vehicles they give the insurers they serve. Among the many are:

CCC Settles Class Action Suit on Valuation of Total Loss Vehicles (July 15, 2005)

Chicago-based claims software-maker CCC Information Services Inc. announced that it and 15 of its customers signed a settlement agreement with the plaintiffs in various class action suits pending in Madison County, Ill. These consolidated suits, Case Nos. 01 L 157, et al., relate to the valuation of vehicles that have been declared total losses by insurers.

Terms of the settlement agreement will require CCC to pay notice and administration fees and other costs associated with the settlement. The company estimates that these costs will total about million, and including available insurance proceeds of .8 million, the company is fully reserved for these payments. Other settlement costs, including claims by class members, will be paid by the insurance companies that are participating in the settlement.

August 23, 2000, a putative statewide class action was filed in the Circuit Court for Hillsborough County, FL, against CCC and USAA Casualty Insurance Company (Peter Sintes et al. v. USAA Casualty Insurance Company and CCC Information Services, Inc., Case No. 00-006308). Plaintiffs allege that USAA contracted with CCC to provide valuations of "total loss" vehicles and that CCC supplied valuations that were intentionally below the actual fair market value of the insured vehicle.

Iinsurance companies "owe a duty to the insured to exercise the utmost good faith." Baxter v. Royal Indemnity Company, 285 So.2d 652 (Fla. 1st DCA 1973).

Given the countless and ongoing class action lawsuits against CCC Valuescope there should now be no question that CCC Valuescope is not independent in its auto valuations and is guilty of violating the U.S. federal RICO Act and National Insurance Regulations, along with many of the complicit insurance companies such as USAA who willingly and knowingly use their product with the intent to deceive.

CCC Valuescope & USAA Conspiring to Defraud, Committing RICO Act Violations?

Friday, September 7, 2012

Commercial Property Management in Orange County

Commercial Property Management in Orange County


Known for its weather, beautiful scenery, infrastructure, excellent school systems and public safety, Orange County is truly the talk of the town when it comes to real estate. There are various reasons that people are constantly vying for property in this area - both business and residential - and why more individuals and businesses are relying on companies specializing in property manageMent in Orange County.

Commercial Property Management in Orange County

Commercial Property Management in Orange County

Commercial Property Management in Orange County


Commercial Property Management in Orange County



Commercial Property Management in Orange County

Located in California, it is the second most populous county in the state. It has become so popular as a business location that today companies are buying virtual property in the area in order to be able to sport an Orange County business card. Currently, it is home to several Fortune 500 companies such as Ingram Micro and First American Corporation. Several well established restaurant and Fast Food chains also have their headquarters here.

Commercial property manageMent companies play a huge role to play in getting businesses the right property for their company. With relatively high prices, it has become extremely difficult for organizations without any real estate experience to purchase property here. This is where hiring a property manageMent company in Orange County has come into play, as they are instrumental in helping buyers get the property they really want at affordable prices.

Apart from business property, it is also a fantastic residential area. It has some of the most expensive and exclusive neighborhoods in the enTire United States. With its warm Mediterranean climate, it has 42 miles of beaches that you can access year-round, which also makes it a great tourist attraction. There are several notable shopping malls as well such as South Coast Plaza - the largest mall in California. It also boasts of being home to Disneyland - the second most visited theme park in the world. With so many reasons to live there, it is almost impossible to buy a house without getting help from a property management company in Orange County.

A good property management company in Orange County is aware of the trends in the locality's real estate and knows all the properties that are available for sale. This information not only helps buyers but also allows people with property investments to rely on experts to handle them.

Another claim to fame of the county is that it is host to The Orange County FAir - a 23 day extravaganza held every summer in Costa Mesa. With over a million visitors every year and countless international artists who perform, this is the ninth largest fAir in the United States. So popular has this place become that it is commonly depicted in popular culture. Take television shows such as The O.C., Modern Family and Arrested Development, for example, that are based on and set in this county.

If you're looking for real estate in the area - which you have every reason to want - a property management company in Orange County is a must.

Commercial Property Management in Orange County

Monday, August 20, 2012

Illinois Probate Laws - What You Need to Know

Illinois Probate Laws - What You Need to Know


Probate is a legal process used to settle estates after death. The probate process in Illinois is fourfold. First, probate must be opened with the clerk of the court in the county where the decedent last resided and intended to remain. If the decedent owned real estate in multiple States, ancillary probate must be opened in all of those States. In Cook County, the probate court is located on the 12th and 18th floors of the Daley Center in Chicago.

Illinois Probate Laws - What You Need to Know

Illinois Probate Laws -  What You Need to Know

Illinois Probate Laws - What You Need to Know


Illinois Probate Laws - What You Need to Know



Illinois Probate Laws - What You Need to Know

Next, a court rules on a decedent's heirs, or beneficiaries of the estate. Heirs of an estate do not necessarily have to be related to a decedent. Furthermore, not all of a decedent's children or relatives are necessarily heirs. Illinois law also requires notice to the public when a decedent's estate is probated so that any creditors can come forward to claim assets. Third, a court rules on whether a decedent's will is valid.

Finally, a court appoints an executor (if there is a will) or an administrator (in cases where there is no will) of the estate. If a person dies without a will, the administrator of the estate will be determined by the following order of preference under Illinois law: (1) surviving spouse, (2) heirs (beneficiaries of the will with preference for children first), (3) children, (4) grandchildren, (5) brothers and sisters.

Probate is not required in Illinois if the decedent set up a living trust, or if the decedent's estate was jointly held. Jointly held property usually includes real estate where two people are tilted as joint tenants, joint bank accounts, and life insurance with a named beneficiary. In addition, probate is not required when a decedent's estate is worth less than 0,000 and includes no real estate.

Even when probate is not required, it can still be smart to open an estate in probate court. For example, if anyone owed a decedent money, probate can be used to collect that money on behalf of that decedent.

Furthermore, probate is a helpful process when a will is contested. For example, if a decedent was unduly influenced to sign a will while Mentally incompetent, a court can rule that the will is defective. In addition, probate can be a helpful tool when there are disputes between heirs over assets.

All of the work involved in probate usually requires the assistance of an attorney. Probate can be a difficult process, especially when a will is contested or when there are disputes among heirs. Probate attorneys can assist with making the process as fAir as possible. Furthermore, Illinois probate attorneys help with additional matters legal matters surrounding a loved one's death, such as paying both federal and Illinois death taxes.

Again, probate is a legal process that helps to ensure a decedent's estate is distributed fAirly and according to his or her wishes. Although it is not always required by Illinois law, probate can be extremely helpful process for settling a decedent's estate.

Illinois Probate Laws - What You Need to Know

Wednesday, August 1, 2012

Sonoma County Fair

Sonoma County Fair

Less than an hour from San Francisco, Sonoma County offers tranquil country roads, gently rolling farmland, towering redwoods, lush vineyards, and breathtaking coastline. This stunning variety makes it an ideal cycling venue, and  

Sonoma County Fair




Sonoma County Fair

Sonoma County Bike Trails, now in its fourth edition, helps both the casual and advanced cyclists make the most of the possibilities, whether for picnic, wine tour, sightseeing, or just an escape. The book contains Sonoma County Fair 29 illustrated bike trips, ranging from 5 to 27 miles and totaling over 500 scenic miles. Also here are mountain bike rides and a specially designed bike route from Cloverdale to Petaluma. Easy-to-challenging self-guided tours, complete with maps, elevation profiles, and photographs, lead riders to lovely, quiet country roads undisturbed by motorists.
Sonoma County Fair