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<?xml-stylesheet type="text/xsl" media="screen" href="/~d/styles/rss2full.xsl"?><?xml-stylesheet type="text/css" media="screen" href="http://feeds.feedburner.com/~d/styles/itemcontent.css"?><rss xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:taxo="http://purl.org/rss/1.0/modules/taxonomy/" xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" version="2.0"><channel><title>Watchdog with Paul Muschick</title><link>http://blogs.mcall.com/watchdog/</link><description>The Watchdog holds businesses, institutions and governments accountable by disclosing poor service, mismanagement and improper use of public dollars. The Watchdog is reporter Paul Muschick of The Morning Call in Allentown, Pennsylvania.</description><language>en</language><pubDate>Fri, 01 Jun 2012 16:49:53 GMT</pubDate><lastBuildDate>Fri, 01 Jun 2012 16:49:53 GMT</lastBuildDate><ttl>2</ttl><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="self" type="application/rss+xml" href="http://feeds.feedburner.com/themorningcall/watchdog" /><feedburner:info xmlns:feedburner="http://rssnamespace.org/feedburner/ext/1.0" uri="themorningcall/watchdog" /><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="hub" href="http://pubsubhubbub.appspot.com/" /><feedburner:emailServiceId xmlns:feedburner="http://rssnamespace.org/feedburner/ext/1.0">themorningcall/watchdog</feedburner:emailServiceId><feedburner:feedburnerHostname xmlns:feedburner="http://rssnamespace.org/feedburner/ext/1.0">http://feedburner.google.com</feedburner:feedburnerHostname><item><title>$15 million available to residents and businesses in Lehigh County! Check if you're on the list!</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1fee648d/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A60C150Emillion0Eavailable0Eto0Eresidents0Eand0Ebusinesses0Ein0Elehigh0Ecounty0Echeck0Eif0Eyoure0Eon0Ethe0Elist0Bhtml/story01.htm</link><description>Grab a copy of today's Morning Call to see if you're among the people and businesses who have money available from the state, with no strings attached. The state treasury has more than $15 million in unclaimed property available to...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1fee648d/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=%2415+million+available+to+residents+and+businesses+in+Lehigh+County%21+Check+if+you%27re+on+the+list%21&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F06%2F15-million-available-to-residents-and-businesses-in-lehigh-county-check-if-youre-on-the-list.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=%2415+million+available+to+residents+and+businesses+in+Lehigh+County%21+Check+if+you%27re+on+the+list%21&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F06%2F15-million-available-to-residents-and-businesses-in-lehigh-county-check-if-youre-on-the-list.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/134204945548/u/49/f/623011/c/34254/s/1fee648d/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/134204945548/u/49/f/623011/c/34254/s/1fee648d/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/134204945548/u/49/f/623011/c/34254/s/1fee648d/a2t.img" border="0"/&gt;</description><pubDate>Fri, 01 Jun 2012 16:49:53 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef016766fd1d4b970b</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Allentown</dc:subject><dc:subject>Current Affairs</dc:subject><dc:subject>Lehigh County</dc:subject><dc:subject>Public Dollars</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Web/Tech</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016766fd617c970b-pi" style="float: left;"><img alt="Cash" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef016766fd617c970b image-full" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016766fd617c970b-800wi" style="margin: 0px 5px 5px 0px;" title="Cash" /></a>Grab a copy of today's Morning Call to see if you're among the people and businesses who have money available from the state, with no strings attached. The state treasury has more than $15 million in unclaimed property available to people with addresses in Lehigh County, and hundreds of them are named in a list the treasury published in today's newspaper.</p> <p>Two Allentown residents really could hit the jackpot. They each are owed more than $20,000, according to a news release from Treasurer Rob McCord, which doesn't identify the lucky dogs by name. That's why it's important for everyone to check, as McCord estimates that one of every 10 state residents is owed unclaimed property.</p> <p>There are benjamins waiting for Benjamin Levine of Macungie, who is owed dividends and stock.</p> <p>There are plenty of nickels waiting for Otto Nikles of Allentown, who is owed estate funds.</p> <p>Anne Dougherty of Allentown could be rolling in the dough, too. She's owed an insurance claims check.</p> <p>The list in the newspaper doesn't identify the amounts, just names and addresses. To get the details, you have to call the treasury (800-222-2046) or go to its website, <a href="http://www.patreasury.gov/">www.patreasury.gov</a>. </p> <p>If you scan the two-and-a-half page ad in today's paper and don't see your name, don't pout. You should check the treasury's website because the list in The Morning Call doesn't include everyone in Lehigh County who has money waiting for them. It only identifies those whose names haven't been published in previous years as having money available to them, and only includes those owed more than $250.</p> <p>Unclaimed property comes from a variety of sources. It could be proceeds from a bank account you forgot about, from an insurance payment you didn't know you had coming, or from a credit you had with a merchant or vendor. After a period of time has passed, the money must be turned over to the state.</p> <p>Don't be lazy and ignore money you're entitled to, like several <a href="http://articles.mcall.com/2012-03-31/news/mc-schools-local-govt-unclaimed-property-watchdog-040112_1_unclaimed-property-bureau-school-districts-free-money" target="_self">school districts have done</a>.</p> <p>The Morning Call has money waiting for it, too. I've alerted my superiors. They can make the finder's fee payable to the Watchdog.</p> <p> </p> <p> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1fee648d/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=%2415+million+available+to+residents+and+businesses+in+Lehigh+County%21+Check+if+you%27re+on+the+list%21&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F06%2F15-million-available-to-residents-and-businesses-in-lehigh-county-check-if-youre-on-the-list.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=%2415+million+available+to+residents+and+businesses+in+Lehigh+County%21+Check+if+you%27re+on+the+list%21&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F06%2F15-million-available-to-residents-and-businesses-in-lehigh-county-check-if-youre-on-the-list.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/134204945548/u/49/f/623011/c/34254/s/1fee648d/a2.htm"><img src="http://da.feedsportal.com/r/134204945548/u/49/f/623011/c/34254/s/1fee648d/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/134204945548/u/49/f/623011/c/34254/s/1fee648d/a2t.img" border="0"/>
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<a href="http://feedads.g.doubleclick.net/~a/Fjv5GEekT9O0kvQU8wbES5Ce-Es/1/da"><img src="http://feedads.g.doubleclick.net/~a/Fjv5GEekT9O0kvQU8wbES5Ce-Es/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Hunting for a summer job? Don't fall prey to a con artist</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1fe1a75e/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Chunting0Efor0Ea0Esummer0Ejob0Edont0Efall0Eprey0Eto0Ea0Econ0Eartist0Bhtml/story01.htm</link><description>It's a rite of passage for high school and college students to sweat out the summer over a fast food grill, mowing lawns or life guarding. While that might not seem the most fun way to scrape together summer spending...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1fe1a75e/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Hunting+for+a+summer+job%3F+Don%27t+fall+prey+to+a+con+artist&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fhunting-for-a-summer-job-dont-fall-prey-to-a-con-artist.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Hunting+for+a+summer+job%3F+Don%27t+fall+prey+to+a+con+artist&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fhunting-for-a-summer-job-dont-fall-prey-to-a-con-artist.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/134204884160/u/49/f/623011/c/34254/s/1fe1a75e/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/134204884160/u/49/f/623011/c/34254/s/1fe1a75e/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/134204884160/u/49/f/623011/c/34254/s/1fe1a75e/a2t.img" border="0"/&gt;</description><pubDate>Wed, 30 May 2012 14:01:31 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef0168ebefd9d6970c</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Scams</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016305facf14970d-pi" style="float: left;"><img alt="Grilling" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef016305facf14970d" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016305facf14970d-800wi" style="margin: 0px 5px 5px 0px;" title="Grilling" /></a>It's a rite of passage for high school and college students to sweat out the summer over a fast food grill, mowing lawns or life guarding. While that might not seem the most fun way to scrape together summer spending money, at least the jobs are real.</p> <p>Many job offers aren't, which makes hunting for a summer job tricky. Here's how to identify the job scams from the real job offers.</p> <p>Job ads, in print and online, are full of sleazy attempts to steal your money or your personal information. Be cautious when applying and no matter how hard you want to show your independence, seek guidance from your parents.</p> <p>Today's <a href="http://www.mcall.com/news/local/watchdog/mc-summer-job-scams-watchdog-20120530,0,6370805.column" target="_self">Watchdog column </a>offers tips about how to identify which job offers may be fake. The Pennsylvania attorney general's office also <a href="http://www.attorneygeneral.gov/press.aspx?id=6539" target="_self">offered advice </a>recently.</p> <p>"Falling for one of these bogus offers can trigger a variety of problems - leaving victims unemployed, facing financial losses and possibly becoming the target of identity thieves," Attorney General Linda Kelly said in her warning.</p> <p>How do you know if a job offer is a con? There usually are signs if you slow down and pay attention.</p> <p>Be on the lookout for a "boss" who changes their story frequently, who won't meet with you in person, won't give you a detailed job description, and, most importantly, demands that you pay in advance for uniforms or other expenses as a condition of employment.</p> <p>Any offer that involves cashing checks you get in the mail and then wiring money to a foreign country most definitely is a scam. The check will bounce, and the money you wired will be taken from your bank account instead. This includes <a href="http://articles.mcall.com/2008-08-21/news/4172643_1_moneygram-commerce-bank-check" target="_self">mystery shopping jobs</a>.</p> <p>When scanning ads, look for broken English and poor grammar. Crooks are lazy that way.</p> <p>Here's a <a href="http://articles.mcall.com/2011-03-12/business/mc-outlook-allentown-watchdog-job-sca20110312_1_job-scam-mystery-shopping-scams-wiring-money" target="_self">previous Watchdog column </a>I wrote about job scams that includes <a href="http://blogs.mcall.com/watchdog/2011/03/high-unemployment-means-high-times-for-job-scammers.html" target="_self">more advice</a>.</p> <p> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1fe1a75e/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Hunting+for+a+summer+job%3F+Don%27t+fall+prey+to+a+con+artist&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fhunting-for-a-summer-job-dont-fall-prey-to-a-con-artist.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Hunting+for+a+summer+job%3F+Don%27t+fall+prey+to+a+con+artist&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fhunting-for-a-summer-job-dont-fall-prey-to-a-con-artist.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/134204884160/u/49/f/623011/c/34254/s/1fe1a75e/a2.htm"><img src="http://da.feedsportal.com/r/134204884160/u/49/f/623011/c/34254/s/1fe1a75e/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/134204884160/u/49/f/623011/c/34254/s/1fe1a75e/a2t.img" border="0"/>
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<a href="http://feedads.g.doubleclick.net/~a/MOep2a-ceZBHFJQjGrM-wh5X2xE/1/da"><img src="http://feedads.g.doubleclick.net/~a/MOep2a-ceZBHFJQjGrM-wh5X2xE/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Did your Memorial Day weekend include a fender-bender, or worse? Don't panic</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1fd245f3/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Cdid0Eyour0Ememorial0Eday0Eweekend0Einclude0Ea0Efender0Ebender0Eor0Eworse0Edont0Epanic0Bhtml/story01.htm</link><description>Memorial Day weekend is a big travel weekend. Accidents are inevitable. If you suffered an accident, here's how to get the most out of the insurance you're paying for. The Consumer Federation of America offers this guide to handling your...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1fd245f3/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Did+your+Memorial+Day+weekend+include+a+fender-bender%2C+or+worse%3F+Don%27t+panic&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fdid-your-memorial-day-weekend-include-a-fender-bender-or-worse-dont-panic.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Did+your+Memorial+Day+weekend+include+a+fender-bender%2C+or+worse%3F+Don%27t+panic&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fdid-your-memorial-day-weekend-include-a-fender-bender-or-worse-dont-panic.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/134205103490/u/49/f/623011/c/34254/s/1fd245f3/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/134205103490/u/49/f/623011/c/34254/s/1fd245f3/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/134205103490/u/49/f/623011/c/34254/s/1fd245f3/a2t.img" border="0"/&gt;</description><pubDate>Tue, 29 May 2012 20:03:09 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef016305f65448970d</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Poor Service</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016766ea25e3970b-pi" style="float: left;"><img alt="Car accident" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef016766ea25e3970b image-full" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016766ea25e3970b-800wi" style="margin: 0px 5px 5px 0px;" title="Car accident" /></a>Memorial Day weekend is a big travel weekend. Accidents are inevitable. If you suffered an accident, here's how to get the most out of the insurance you're paying for.</p> <p>The Consumer Federation of America offers this <a href="http://www.consumerfed.org/pdfs/Auto-Insurance-Navigating-Auto-Claims-Guide-12-14-11.pdf" target="_self">guide</a> to handling your <a href="http://www.consumerfed.org/news/532" target="_self">insurance claim</a>. It tells you how to avoid getting low-balled, what to do if you don't think your insurer is treating you fairly and reminds you that it's up to you, not your insurance company, where your car gets repaired.</p> <p> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1fd245f3/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Did+your+Memorial+Day+weekend+include+a+fender-bender%2C+or+worse%3F+Don%27t+panic&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fdid-your-memorial-day-weekend-include-a-fender-bender-or-worse-dont-panic.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Did+your+Memorial+Day+weekend+include+a+fender-bender%2C+or+worse%3F+Don%27t+panic&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fdid-your-memorial-day-weekend-include-a-fender-bender-or-worse-dont-panic.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/134205103490/u/49/f/623011/c/34254/s/1fd245f3/a2.htm"><img src="http://da.feedsportal.com/r/134205103490/u/49/f/623011/c/34254/s/1fd245f3/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/134205103490/u/49/f/623011/c/34254/s/1fd245f3/a2t.img" border="0"/>
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<a href="http://feedads.g.doubleclick.net/~a/f79q4k6k7vAyD1-MPklTqwzLvDc/1/da"><img src="http://feedads.g.doubleclick.net/~a/f79q4k6k7vAyD1-MPklTqwzLvDc/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Bethlehem dentist, Coplay notary, Pen Argyl nurse sanctioned by state boards</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1fb6334d/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Chere0Eare0Ethelatest0Edisciplinary0Eactionsannounced0Eby0Epennsylvaniaslicensing0Eboards0Eagainst0Eprofessionals0Ewho0Elive0Eand0Ework0Ein0Bhtml/story01.htm</link><description>Here are the latest disciplinary actions announced by Pennsylvania's licensing boards against professionals who live and work in the Lehigh Valley area. The information is taken verbatim from the PA Department of State's website, where you can find all of...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1fb6334d/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Bethlehem+dentist%2C+Coplay+notary%2C+Pen+Argyl+nurse+sanctioned+by+state+boards&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fhere-are-thelatest-disciplinary-actionsannounced-by-pennsylvaniaslicensing-boards-against-professionals-who-live-and-work-in.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Bethlehem+dentist%2C+Coplay+notary%2C+Pen+Argyl+nurse+sanctioned+by+state+boards&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fhere-are-thelatest-disciplinary-actionsannounced-by-pennsylvaniaslicensing-boards-against-professionals-who-live-and-work-in.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/134204932771/u/49/f/623011/c/34254/s/1fb6334d/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/134204932771/u/49/f/623011/c/34254/s/1fb6334d/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/134204932771/u/49/f/623011/c/34254/s/1fb6334d/a2t.img" border="0"/&gt;</description><pubDate>Fri, 25 May 2012 16:41:07 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef016305d40af4970d</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Bethlehem</dc:subject><dc:subject>Current Affairs</dc:subject><dc:subject>Easton</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Lehigh County</dc:subject><dc:subject>Mismanagement</dc:subject><dc:subject>Northampton County</dc:subject><dc:subject>Poor Service</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p>Here are the latest disciplinary actions announced by Pennsylvania's licensing boards against professionals who live and work in the Lehigh Valley area. The information is taken verbatim from the PA Department of State's website, where you can find <a href="http://www.dos.state.pa.us/portal/server.pt/community/disciplinary_actions/12528" target="_self">all of the actions </a>against professionals statewide.</p> <p><span style="font-size: 12pt;"><strong>PA Board of Cosmetology</strong></span></p> <p><strong>Berks County</strong></p> <p>Phuong Thi Doan, d/b/a V and D Nails, license no. CY195050, of Reading, Berks County, was ordered to <br />pay a civil penalty of $1,700 and costs of investigation in the amount of $50.85 because it practiced nail <br />technology in a grossly incompetent or unethical manner. (03/12/12)</p> <p><span style="font-size: 12pt;"><strong>PA Board of Dentistry</strong></span></p> <p><strong>Lehigh County</strong></p> <p>Nancy P. Tyson, D.H., license no. DH008035L, of Orefield, Lehigh County, had her license indefinitely <br />suspended based on her inability to practice with reasonable skill and safety by reason of mental or <br />physical illness or condition or physiological or psychological dependence upon alcohol, hallucinogenic <br />or narcotic drugs or other drugs which tend to impair judgment or coordination. (08/12/11)</p> <p><strong>Northampton County</strong></p> <p>George W. Gordon, D.D.S., license no. DS023881L, of Bethlehem, Northampton County, had his license <br />revoked based on findings he violated a previous Board order, for having practiced dentistry without <br />holding a current license and for having engaged in unprofessional conduct. (12/22/11)</p> <p><span style="font-size: 12pt;"><strong>PA Board of Medicine</strong></span></p> <p><strong>Montgomery County</strong></p> <p>Frederic Joseph Weber, M.D., license no. MD026658E, of Ambler, Montgomery County had his license <br />suspended for at least three years, said suspension immediately stayed in favor of at least three years of <br />probation based on findings he violated the terms of his VRP Agreement. (10/27/11)</p> <p><span style="font-size: 12pt;"><strong>Secretary of the Commonwealth – Notaries Public</strong></span></p> <p><strong>Bucks County</strong></p> <p>Maureen Kilkeary Milner, notary commission no. 1243424, of Bristol, Bucks County, agreed to the suspension of her notary commission for a period of three months, such suspension immediately stayed in favor of probation, subject to certain terms and conditions, successfully complete a six-hour notary practice and procedure course, and pay a civil penalty of $500 and probation assessment fees in the amount of $150 because she failed to be familiar with the duties and responsibilities of a notary public. (04/03/12)</p> <p><strong>Lehigh County</strong></p> <p>Melissa S. Schantz, of Coplay, Lehigh County was disciplined and agreed to the permanent and voluntary <br />surrender of her notary commission no. 1186677, along with any other licenses, registrations, certificates <br />or permits issued to her at the time this Consent Agreement was adopted by the Secretary, because she <br />failed to know through personal knowledge or have satisfactory evidence that the persons appearing <br />before her were the persons described in and who were executing the instrument; failed to be familiar <br />with the duties of a notary public; and she is not of good character, integrity and ability. (04/09/2012)</p> <p><strong>Montgomery County</strong></p> <p>Sharon D. Overton, notary commission no. 1201121, of Elkins Park, Montgomery County, was suspended for a period of three months, such suspension immediately stayed in favor of probation, subject to certain <br />terms and conditions, successfully complete a six-hour notary practice and procedure course, and pay a <br />civil penalty of $500 and probation assessment fees in the amount of $150 because she failed to maintain <br />an accurate chronological register of all official acts by that notary done by virtue of that notary’s office <br />and failed to be familiar with the duties and responsibilities of a notary public. (03/19/12)</p> <p>Phillip J. Berg, notary commission no. 1245540, of Lafayette Hill, Montgomery County, had his <br />commission revoked. The action was based on Mr. Berg’s notarization of documents (his own nomination <br />petitions) in which he was a party directly or pecuniarily interested, in violation of sections 3(a), 5(b) and <br />19(e) of the Law, 57 P.S. §§149(a), 151(b) and 165(e). (02/23/12)</p> <p>Grace E. Carr of Horsham, Montgomery County was disciplined and agreed to the voluntary and <br />permanent surrender of her notary commission no. 1023808, because she failed to keep and maintain <br />custody and control of an accurate chronological register of all official acts done by virtue of his office, <br />and she failed to be familiar with the duties and responsibilities of a notary public. (04/03/2012)</p> <p>Lisa A. Sanft, notary commission no. 1193771, of Lansdale, Montgomery County, was disciplined and agreed to the permanent and voluntary surrender of her notary commission because she failed to know through personal knowledge or have satisfactory evidence that the person appearing before the notary was the person described in and who was executing the instrument. (04/03/12)</p> <p><strong>Northampton County</strong></p> <p>Paul C. Hensel, notary commission 1252797, of Nazareth, Northampton County, agreed to suspension of <br />his notary commission for a minimum period of three months, such suspension to be immediately stayed <br />in favor of probation subject to certain terms and conditions; successfully complete a six-hour notary <br />practice and procedure course; and pay a civil penalty and probation assessment totaling $400 because he notarized a document in which he was directly interested and failed to be familiar with the duties and <br />responsibilities of a notary public. (03/19/12)</p> <p>Gregory A. Young of Easton, Northampton County was disciplined and agreed to voluntarily and <br />permanently surrender his notary commission no. 1183883, because he failed to take and subscribe the <br />constitutional oath of office and record his signature and bond in the appropriate Recorder of Deeds <br />Office; he used a notary seal while not a notary public thereby impersonating a notary public; and he <br />failed to be familiar with the duties and responsibilities of a notary public. (04/03/2012)</p> <p><span style="font-size: 12pt;"><strong>PA Board of Nursing</strong></span></p> <p><strong>Berks County</strong></p> <p>Rhonda Mace Clark, license no. PN080606L, of New Berlinville, Berks County was suspended for no <br />less than three years retroactive to July 11, 2011 based on her failure to comply with the terms of the <br />Disciplinary Monitoring Unit of the Professional Health Monitoring Program. (10/28/11)</p> <p><strong>Bucks County</strong></p> <p>Sally A. Wood Smedley, license no. RN541392of Warminster, Bucks County was suspended for no less <br />than three years retroactive to October 20, 2011 based on her failure to comply with an agreement entered into with the Commonwealth. (12/02/11)</p> <p><strong>Northampton County</strong></p> <p>Karen Kresge, license no. RN233973L, of Northampton, Northampton County, had her license revoked <br />based on her continuing to practice as a nurse while her license was suspended from June 19, 2008 to May 6, 2009. (12/10/11)</p> <p>Kristina Shotwell, LPN, license no. PN261671 of Pen Argyl, Northampton County, had her license <br />suspended for no less than three years retroactive to June 8, 2011 based on findings that she violated the <br />terms of a previously issued Board order. (09/30/11)</p> <p><span style="font-size: 12pt;"><strong>PA Board of Osteopathic Medicine</strong></span></p> <p><strong>Montgomery County</strong></p> <p>Harris M. Newman, DO, license no. OS003530L, of Gwynedd Valley, Montgomery County had his <br />license automatically suspended based on his having pled nolo contendere to felonies under the Drug <br />Act. (08/05/11)</p> <p>Paris D. Hughes, DO, license no. OS006797L, of Maple Glen, Montgomery County had his license <br />automatically suspended based on his having pled guilty to a misdemeanor under the Drug Act. <br />(08/25/11)</p> <p><span style="font-size: 12pt;"><strong>PA Board of Psychology</strong></span></p> <p><strong>Bucks County</strong></p> <p>John Louis Dimino, license no. PS007404L of Morrisville, Bucks County, was ordered to pay a civil <br />penalty of $1,000 and agreed to a public reprimand placed on his permanent record with the Board, <br />because he practiced psychology in the Commonwealth of Pennsylvania while his license was expired <br />between December 1, 2009 and August 11, 2011 in violation of regulations promulgated by the Board. <br />(4/09/12)</p> <p><span style="font-size: 12pt;"><strong>PA Board of Vehicle Manufacturers, Dealers and Salespersons</strong></span></p> <p><strong>Berks County</strong></p> <p>Raul S. Correa, of Reading, Berks County, was granted a probationary license for a period to run <br />concurrent with his criminal probation based upon his convictions for crimes of moral turpitude. <br />(02/10/12)</p> <p><strong>Bucks County</strong></p> <p>Jack W. Smith, license no. MV106152L, of Warrington, Bucks County was assessed a $2500 civil penalty and suspended for a period of three years, with the first year to be served as an active suspension and the <br />remainder stayed in favor of probation based upon his conviction for crimes involving moral turpitude. <br />(02/09/12)</p> <p><strong>Montgomery County</strong></p> <p>Brian R. Kirk, Jr., of Telford, Montgomery County was granted a probationary license as vehicle salesperson for a period of two years based upon his convictions for crimes of moral turpitude. (01/10/12)</p> <p> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1fb6334d/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Bethlehem+dentist%2C+Coplay+notary%2C+Pen+Argyl+nurse+sanctioned+by+state+boards&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fhere-are-thelatest-disciplinary-actionsannounced-by-pennsylvaniaslicensing-boards-against-professionals-who-live-and-work-in.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Bethlehem+dentist%2C+Coplay+notary%2C+Pen+Argyl+nurse+sanctioned+by+state+boards&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fhere-are-thelatest-disciplinary-actionsannounced-by-pennsylvaniaslicensing-boards-against-professionals-who-live-and-work-in.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/134204932771/u/49/f/623011/c/34254/s/1fb6334d/a2.htm"><img src="http://da.feedsportal.com/r/134204932771/u/49/f/623011/c/34254/s/1fb6334d/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/134204932771/u/49/f/623011/c/34254/s/1fb6334d/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/y0kPM0_4MqLcTsuPz7sMZAZQRqY/0/da"><img src="http://feedads.g.doubleclick.net/~a/y0kPM0_4MqLcTsuPz7sMZAZQRqY/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/y0kPM0_4MqLcTsuPz7sMZAZQRqY/1/da"><img src="http://feedads.g.doubleclick.net/~a/y0kPM0_4MqLcTsuPz7sMZAZQRqY/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Don't be tricked into thinking your Facebook account has been canceled</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1fb50fe9/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Cdont0Ebe0Etricked0Einto0Ethinking0Eyour0Efacebook0Eaccount0Ehas0Ebeen0Ecanceled0Bhtml/story01.htm</link><description>If you're one of those people whose social life would crash and burn without Facebook, the last thing you want to see in your email is a warning that Facebook wants to cancel your account. It doesn't. Someone slick with...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1fb50fe9/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Don%27t+be+tricked+into+thinking+your+Facebook+account+has+been+canceled&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fdont-be-tricked-into-thinking-your-facebook-account-has-been-canceled.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Don%27t+be+tricked+into+thinking+your+Facebook+account+has+been+canceled&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fdont-be-tricked-into-thinking-your-facebook-account-has-been-canceled.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/134204927613/u/49/f/623011/c/34254/s/1fb50fe9/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/134204927613/u/49/f/623011/c/34254/s/1fb50fe9/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/134204927613/u/49/f/623011/c/34254/s/1fb50fe9/a2t.img" border="0"/&gt;</description><pubDate>Fri, 25 May 2012 14:29:38 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef016305d31bd5970d</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Scams</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Web/Tech</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016305d32b4f970d-pi" style="float: left;"><img alt="Facebook logo" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef016305d32b4f970d" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016305d32b4f970d-800wi" style="margin: 0px 5px 5px 0px;" title="Facebook logo" /></a>If you're one of those people whose social life would crash and burn without Facebook, the last thing you want to see in your email is a warning that Facebook wants to cancel your account. It doesn't. Someone slick with computers has developed a clever scam to trick you. Here's how to avoid it.</p> <p>The scam starts with an email saying <a href="http://www.facebook.com" target="_self">Facebook</a> has received a request to cancel your acount. It prompts you to follow a link. If you do, the <a href="http://www.bbb.org/us/article/Scammers-Fake-Facebook-Account-Cancellation-Notices-34448" target="_self">Better Business Bureau warns</a>, you'll be prompted to run an application that allows hackers to spy on your computer activities (presumably including reading your passwords to bank accounts) and take control of your computer.</p> <p>The BBB says it got word of the scam from a computer security blog, Naked Security. Here is <a href="http://nakedsecurity.sophos.com/2012/05/21/facebook-account-cancellation-malware-adobe-flash-update/" target="_self">that blog's report on the scam</a>, which includes screen shots of the various prompts that you may see.</p> <p>What's particularly clever about this is that the link you're prompted to follow appears to be official because it goes to a facebook.com address. But it doesn't, the BBB says. It links to a third-party application running on the Facebook platform.</p> <p>The bottom line is this. If you didn't request to cancel your account, it shouldn't be canceled. If you get a warning like this and want to check it out, log into your Facebook account and look for any messages, or contact Facebook. Never click on links or follow prompts in emails like this.</p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1fb50fe9/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Don%27t+be+tricked+into+thinking+your+Facebook+account+has+been+canceled&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fdont-be-tricked-into-thinking-your-facebook-account-has-been-canceled.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Don%27t+be+tricked+into+thinking+your+Facebook+account+has+been+canceled&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fdont-be-tricked-into-thinking-your-facebook-account-has-been-canceled.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/134204927613/u/49/f/623011/c/34254/s/1fb50fe9/a2.htm"><img src="http://da.feedsportal.com/r/134204927613/u/49/f/623011/c/34254/s/1fb50fe9/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/134204927613/u/49/f/623011/c/34254/s/1fb50fe9/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/OBdxua7cPVVhXc7Amc8GcKRkdNw/0/da"><img src="http://feedads.g.doubleclick.net/~a/OBdxua7cPVVhXc7Amc8GcKRkdNw/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/OBdxua7cPVVhXc7Amc8GcKRkdNw/1/da"><img src="http://feedads.g.doubleclick.net/~a/OBdxua7cPVVhXc7Amc8GcKRkdNw/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Do you buy Groupons? It may owe you money</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1fac804c/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Cdo0Eyou0Ebuy0Egroupons0Eit0Emay0Eowe0Eyou0Emoney0Bhtml/story01.htm</link><description>A few months ago, I told you about a pending settlement of a class-action lawsuit against Groupon. The negotiations took longer than I thought, but they've finally wrapped up and Groupon users could be in line for some cash. According...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1fac804c/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Do+you+buy+Groupons%3F+It+may+owe+you+money&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fdo-you-buy-groupons-it-may-owe-you-money.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Do+you+buy+Groupons%3F+It+may+owe+you+money&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fdo-you-buy-groupons-it-may-owe-you-money.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/134204620135/u/49/f/623011/c/34254/s/1fac804c/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/134204620135/u/49/f/623011/c/34254/s/1fac804c/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/134204620135/u/49/f/623011/c/34254/s/1fac804c/a2t.img" border="0"/&gt;</description><pubDate>Thu, 24 May 2012 15:56:59 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef016766bfe9ea970b</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Food and Drink</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Web/Tech</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p>A few months ago, I told you about a pending settlement of a class-action lawsuit against Groupon. The negotiations took longer than I thought, but they've finally wrapped up and Groupon users could be in line for some cash.<a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016766bff68a970b-pi" style="float: right;"><img alt="Groupon" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef016766bff68a970b" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016766bff68a970b-800wi" style="margin: 0px 0px 5px 5px;" title="Groupon" /></a></p> <p>According to <a href="http://www.consumeraffairs.com/news04/2012/05/groupon-settles-for-85-million-for-not-listing-its-deal-restrictions.html" target="_self">consumeraffairs.com</a>, Groupon will be paying $8.5 million to people who had trouble using the online deals they had purchased. I mentioned the possibility of a settlement in a <a href="http://articles.mcall.com/2012-02-25/news/mc-groupon-refunds-lawsuit-watchdog-20120225_1_groupon-refund-discount-coupon" target="_self">column</a> in February explaining the refund policies of Groupon and similar deals.</p> <p>You can read the terms of the class-action settlement and file a claim <a href="https://grouponvouchersettlement.com/Home.aspx" target="_self">here</a>. </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1fac804c/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Do+you+buy+Groupons%3F+It+may+owe+you+money&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fdo-you-buy-groupons-it-may-owe-you-money.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Do+you+buy+Groupons%3F+It+may+owe+you+money&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fdo-you-buy-groupons-it-may-owe-you-money.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/134204620135/u/49/f/623011/c/34254/s/1fac804c/a2.htm"><img src="http://da.feedsportal.com/r/134204620135/u/49/f/623011/c/34254/s/1fac804c/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/134204620135/u/49/f/623011/c/34254/s/1fac804c/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/YZXQZu21TDeISvSOUuJzWQhlMK4/0/da"><img src="http://feedads.g.doubleclick.net/~a/YZXQZu21TDeISvSOUuJzWQhlMK4/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/YZXQZu21TDeISvSOUuJzWQhlMK4/1/da"><img src="http://feedads.g.doubleclick.net/~a/YZXQZu21TDeISvSOUuJzWQhlMK4/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Wake up seniors! Another scam hits Lehigh Valley seniors hard</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1fa9ac52/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Cwake0Eup0Eseniors0Eanother0Escam0Ehits0Elehigh0Evalley0Eseniors0Ehard0Bhtml/story01.htm</link><description>Yet more elderly residents of Lehigh and Northampton counties have been scammed out of thousands of dollars, authorities say. This case was more elaborate than others I've seen, but like the others, was avoidable. A total of 218 victims have...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1fa9ac52/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Wake+up+seniors%21+Another+scam+hits+Lehigh+Valley+seniors+hard&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwake-up-seniors-another-scam-hits-lehigh-valley-seniors-hard.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Wake+up+seniors%21+Another+scam+hits+Lehigh+Valley+seniors+hard&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwake-up-seniors-another-scam-hits-lehigh-valley-seniors-hard.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/134204880902/u/49/f/623011/c/34254/s/1fa9ac52/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/134204880902/u/49/f/623011/c/34254/s/1fa9ac52/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/134204880902/u/49/f/623011/c/34254/s/1fa9ac52/a2t.img" border="0"/&gt;</description><pubDate>Wed, 23 May 2012 20:31:38 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef016305c5209d970d</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Allentown</dc:subject><dc:subject>Current Affairs</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Lehigh County</dc:subject><dc:subject>Northampton County</dc:subject><dc:subject>Scams</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0168ebbaf799970c-pi" style="float: left;"><img alt="Operation_false_comfort1" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef0168ebbaf799970c" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0168ebbaf799970c-800wi" style="margin: 0px 5px 5px 0px;" title="Operation_false_comfort1" /></a>Yet more elderly residents of Lehigh and Northampton counties have been scammed out of thousands of dollars, authorities say. This case was more elaborate than others I've seen, but like the others, was avoidable.</p> <p>A total of 218 victims have been identified statewide in "Operation False Comfort." Authorities say there were victims in 41 counties. Of all those counties, Lehigh had the most victims with 24. Northampton and Bucks had 10 each, and Berks and Montgomery had 15 each.</p> <p>My colleague Peter Hall detailed the case in a <a href="http://www.mcall.com/news/breaking/mc-pa-senior-citizen-fraud-20120522,0,5866145.story" target="_self">news report Tuesday</a>. You can get more details from the attorney general's <a href="http://www.attorneygeneral.gov/press.aspx?id=6546" target="_self">news release </a>and the <a href="http://enews.attorneygeneral.gov/uploads/Op-False-Comfort-GJ-Presentment.pdf" target="_self">grand jury report</a>.</p> <p>My <a href="http://www.mcall.com/news/local/watchdog/mc-senior-scam-american-comfort-global-services-wa-20120523,0,7715319.column" target="_self">Watchdog column </a>today focuses on the need for all of us to do a better job of helping to prevent seniors from being scammed. And I shared advice on how to research sales pitches like those authorities allege were made in Operation False Comfort.</p> <p>Authorities said four men, Bruce Howard Cherry of Philadelphia; Ross M. Rabelow of Southampton, Bucks County; Thomas J. Muldoon of Broomall, Delaware County; and Robert P. Lerner of Philadelphia, are facing charges. Authorities said the companies involved were American Comfort Home Care Services, Global Services for the Home and Cherry Senior Solutions.</p> <p>The attorney general's office said the scam involved selling senior citizens prepaid home care services contracts, where people would come to their homes and assist with things such as housekeeping, cooking, grooming and other non-medical tasks. Authorities said the money was collected, but the services rarely were provided.</p> <p>What's scary about this scam is that many seniors are in the market for in-home care, as they try to stay in their homes and avoid moving to a nursing home or assisted living center.</p> <p>If you're in the market for such care, there are steps you can take to protect yourself. For starters, state law requires <a href="http://www.portal.state.pa.us/portal/server.pt?open=514&amp;objID=558578&amp;mode=2" target="_self">providers of in-home care</a>, both medical and non-medical, to be <a href="http://www.portal.state.pa.us/portal/server.pt/community/outpatient_facilities/14151/health_facility_locator/558512" target="_self">licensed by the state Department of Health</a>. Make sure your care provider is licensed.</p> <p>When looking for home care services, you should contact <a href="http://www.aging.state.pa.us/portal/server.pt/community/your_local_resources/17952" target="_self">your county aging department</a>. They can help you select a reputable agency, or even tell you if you qualify for any free services based on your circumstances. Here are links to the offices in <a href="http://www.northamptoncounty.org/northampton/cwp/view.asp?a=1528&amp;Q=620616&amp;northamptonNav=|34430|&amp;northamptonNav_GID=1977" target="_self">Northampton</a> and <a href="http://www.lehighcounty.org/Departments/HumanServices/AgingandAdultServices/tabid/56/Default.aspx" target="_self">Lehigh</a> counties.</p> <p>Authorities allege the Operation False Comfort scam also involved taking money for insurance premiums and handling other long-term care financial matters. People who perform those tasks may have to be <a href="http://www.ins.state.pa.us/portal/server.pt/community/services_for_consumers/5232" target="_self">licensed by the state Department of Insurance</a>, depending on what activities they're doing.</p> <p>But even being diligent about verifying a license may not be enough to protect you, because in this case, authorities said, two of the suspects had licenses. So you have to do more.</p> <p>Get references. Run the contract past someone you trust. Check out the company online for reports of angry customers. And use common sense.</p> <p>The grand jury report in this case details how people were approached multiple times and pressured to pay large sums in advance. Those all are tell-tales signs of a scam.</p> <p>If a stranger comes to your door with any kind of sales pitch, don't be rushed into making a decision. If the deal is good that day, it should be good the next day or next week, too, if the offer is legit. </p> <p>The grand jury report in Operation False Comfort says some of the victims had long-term business relationships with the suspects, which makes it harder to see through the scam.</p> <p>That's where the rest of us come in. Churches, civic groups, senior centers and families need to keep an ongoing dialogue with the seniors they come in contact with so they know what's going on in their lives. They may pick up on something that sounds fishy.</p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1fa9ac52/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Wake+up+seniors%21+Another+scam+hits+Lehigh+Valley+seniors+hard&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwake-up-seniors-another-scam-hits-lehigh-valley-seniors-hard.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Wake+up+seniors%21+Another+scam+hits+Lehigh+Valley+seniors+hard&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwake-up-seniors-another-scam-hits-lehigh-valley-seniors-hard.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/134204880902/u/49/f/623011/c/34254/s/1fa9ac52/a2.htm"><img src="http://da.feedsportal.com/r/134204880902/u/49/f/623011/c/34254/s/1fa9ac52/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/134204880902/u/49/f/623011/c/34254/s/1fa9ac52/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/MG8nFy4jxeG2QxCjW4NpA12g48Q/0/da"><img src="http://feedads.g.doubleclick.net/~a/MG8nFy4jxeG2QxCjW4NpA12g48Q/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/MG8nFy4jxeG2QxCjW4NpA12g48Q/1/da"><img src="http://feedads.g.doubleclick.net/~a/MG8nFy4jxeG2QxCjW4NpA12g48Q/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Federal financial watchdog needs to do better job of watching itself, study says</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1f9086be/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Cfederal0Efinancial0Ewatchdog0Eneeds0Eto0Edo0Ebetter0Ejob0Eof0Ewatching0Eitself0Estudy0Esays0Bhtml/story01.htm</link><description>The Consumer Financial Protection Bureau is the federal government's new watchdog, charged with regulating all sorts of financial businesses in the hopes of avoiding future Wall Street fiascos. A study out today says the agency should be getting tougher on...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f9086be/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Federal+financial+watchdog+needs+to+do+better+job+of+watching+itself%2C+study+says&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Ffederal-financial-watchdog-needs-to-do-better-job-of-watching-itself-study-says.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Federal+financial+watchdog+needs+to+do+better+job+of+watching+itself%2C+study+says&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Ffederal-financial-watchdog-needs-to-do-better-job-of-watching-itself-study-says.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/134204485630/u/49/f/623011/c/34254/s/1f9086be/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/134204485630/u/49/f/623011/c/34254/s/1f9086be/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/134204485630/u/49/f/623011/c/34254/s/1f9086be/a2t.img" border="0"/&gt;</description><pubDate>Mon, 21 May 2012 19:06:59 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef016766a76d82970b</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Public Dollars</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0168eba94f96970c-pi" style="float: left;"><img alt="Cash" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef0168eba94f96970c image-full" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0168eba94f96970c-800wi" style="margin: 0px 5px 5px 0px;" title="Cash" /></a>The Consumer Financial Protection Bureau is the federal government's new watchdog, charged with regulating all sorts of financial businesses in the hopes of avoiding future Wall Street fiascos. A study out today says the agency should be getting tougher on itself, too.</p> <p>The audit, by the Government Accountability Office, says the <a href="http://www.gao.gov/products/GAO-12-528R" target="_self">issues</a> it identified are not "material weaknesses or significant deficiencies."</p> <p>"Nonetheless, we believe they warrant management’s attention and action," it says.</p> <p>The <a href="http://www.gao.gov/assets/600/590993.pdf" target="_self">audit</a> said changes are necessary to ensure:</p> <ul> <li>an effective internal control assessment process supporting management’s internal control assertion,</li> </ul> <ul> <li>security over CFPB’s data and information systems,</li> </ul> <ul> <li>accurate calculation and timely recording of CFPB undelivered orders balances,</li> </ul> <ul> <li>accurate calculation and timely disbursement of CFPB payroll transactions,</li> </ul> <ul> <li>proper prior approval of CFPB travel transactions, and</li> </ul> <ul> <li>timely recording of CFPB prepaid expenses as assets.</li> </ul> <p>"These issues increase the risk of CFPB not preventing or promptly detecting and correcting (1) misappropriation of assets because of reliance on insufficient internal controls; (2) unauthorized access, modification, or both of its data; and (3) misstatements in its financial statements. At the end of our discussion of each of these issues in the sections that follow, we present our related recommendations. These recommendations are intended to improve management’s oversight and controls and minimize the risk of misappropriation of assets, misstatements in CFPB’s accounts and financial statements, and unidentified vulnerabilities over the security of its data."</p> <p> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f9086be/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Federal+financial+watchdog+needs+to+do+better+job+of+watching+itself%2C+study+says&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Ffederal-financial-watchdog-needs-to-do-better-job-of-watching-itself-study-says.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Federal+financial+watchdog+needs+to+do+better+job+of+watching+itself%2C+study+says&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Ffederal-financial-watchdog-needs-to-do-better-job-of-watching-itself-study-says.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/134204485630/u/49/f/623011/c/34254/s/1f9086be/a2.htm"><img src="http://da.feedsportal.com/r/134204485630/u/49/f/623011/c/34254/s/1f9086be/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/134204485630/u/49/f/623011/c/34254/s/1f9086be/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/yz_m5e0mbtvlO1kBR206DqbF0r8/0/da"><img src="http://feedads.g.doubleclick.net/~a/yz_m5e0mbtvlO1kBR206DqbF0r8/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/yz_m5e0mbtvlO1kBR206DqbF0r8/1/da"><img src="http://feedads.g.doubleclick.net/~a/yz_m5e0mbtvlO1kBR206DqbF0r8/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Skechers is just the latest name-brand investigated for false advertising</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1f85714e/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Cskechers0Eis0Ejust0Ethe0Elatest0Ename0Ebrand0Einvestigated0Efor0Efalse0Eadvertising0Bhtml/story01.htm</link><description>Skechers agreed last week to settle a federal investigation into the health claims it made about its toning shoes. It's not the only major brand to face false advertising accusations. You're sure to recognize some of these other brands, too....&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f85714e/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Skechers+is+just+the+latest+name-brand+investigated+for+false+advertising&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fskechers-is-just-the-latest-name-brand-investigated-for-false-advertising.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Skechers+is+just+the+latest+name-brand+investigated+for+false+advertising&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fskechers-is-just-the-latest-name-brand-investigated-for-false-advertising.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/134204703327/u/49/f/623011/c/34254/s/1f85714e/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/134204703327/u/49/f/623011/c/34254/s/1f85714e/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/134204703327/u/49/f/623011/c/34254/s/1f85714e/a2t.img" border="0"/&gt;</description><pubDate>Fri, 18 May 2012 18:03:18 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef0168eb9823bd970c</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Food and Drink</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Mismanagement</dc:subject><dc:subject>Poor Service</dc:subject><dc:subject>Scams</dc:subject><dc:subject>Television</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016766965ec5970b-pi" style="float: left;"><img alt="Nivea_ad" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef016766965ec5970b" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016766965ec5970b-800wi" style="margin: 0px 5px 5px 0px;" title="Nivea_ad" /></a>Skechers agreed last week to settle a federal investigation into the health claims it made about its toning shoes.</p> <p>It's not the only major brand to face false advertising accusations. You're sure to recognize some of these other brands, too. They may even be in your home.</p> <p>In addition to Skechers, the Federal Trade Commission and authorities in several states, including Pennsylvania, have challenged the health claims made in ads for these products. You'll find the basics in today's <a href="http://www.mcall.com/news/local/watchdog/mc-skechers-reebok-shoe-scam-watchdog-20120519,0,7501953.column" target="_self">Watchdog column</a>. The links below will take you to documents that explain more about each investigation.</p> <p><a href="http://www.ftc.gov/opa/2012/05/consumerrefund.shtm" target="_self">Skechers</a> </p> <p><a href="http://www.ftc.gov/opa/2011/09/reebok.shtm" target="_self">Reebok</a></p> <p><a href="http://www.ftc.gov/opa/2011/04/oreck.shtm" target="_self">Oreck</a></p> <p><a href="http://www.ftc.gov/opa/2011/02/dannon.shtm" target="_self">Dannon</a></p> <p><a href="http://www.ftc.gov/opa/2011/06/beiersdorf.shtm" target="_self">Nivea</a></p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f85714e/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Skechers+is+just+the+latest+name-brand+investigated+for+false+advertising&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fskechers-is-just-the-latest-name-brand-investigated-for-false-advertising.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Skechers+is+just+the+latest+name-brand+investigated+for+false+advertising&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fskechers-is-just-the-latest-name-brand-investigated-for-false-advertising.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/134204703327/u/49/f/623011/c/34254/s/1f85714e/a2.htm"><img src="http://da.feedsportal.com/r/134204703327/u/49/f/623011/c/34254/s/1f85714e/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/134204703327/u/49/f/623011/c/34254/s/1f85714e/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/tdV5ub-NqIHNVMOFtvEcYTR_uOc/0/da"><img src="http://feedads.g.doubleclick.net/~a/tdV5ub-NqIHNVMOFtvEcYTR_uOc/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/tdV5ub-NqIHNVMOFtvEcYTR_uOc/1/da"><img src="http://feedads.g.doubleclick.net/~a/tdV5ub-NqIHNVMOFtvEcYTR_uOc/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Why did health inspectors fail these restaurants?</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1f7c4828/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Cwhy0Edid0Ehealth0Einspectors0Efail0Ethese0Erestaurants0Bhtml/story01.htm</link><description>These restaurants, stores and other food establishments failed food safety inspections from April 27 to May 7. Here's what inspectors found, according to their reports: LOUIES RESTAURANT 2071 31st St. S.W., Allentown May 7, 2012 Employee observed with an open...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f7c4828/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Why+did+health+inspectors+fail+these+restaurants%3F&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwhy-did-health-inspectors-fail-these-restaurants.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Why+did+health+inspectors+fail+these+restaurants%3F&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwhy-did-health-inspectors-fail-these-restaurants.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/134204390622/u/49/f/623011/c/34254/s/1f7c4828/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/134204390622/u/49/f/623011/c/34254/s/1f7c4828/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/134204390622/u/49/f/623011/c/34254/s/1f7c4828/a2t.img" border="0"/&gt;</description><pubDate>Fri, 18 May 2012 17:50:36 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef0168eb9811c9970c</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Allentown</dc:subject><dc:subject>Current Affairs</dc:subject><dc:subject>Food and Drink</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Mismanagement</dc:subject><dc:subject>Poor Service</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016305a281b2970d-pi" style="float: left;"><img alt="Food" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef016305a281b2970d image-full" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016305a281b2970d-800wi" style="margin: 0px 5px 5px 0px;" title="Food" /></a>These restaurants, stores and other food establishments failed food safety inspections from April 27 to May 7. Here's what inspectors found, according to their reports:</p> <p><em> </em></p> <p style="text-align: center;"><strong>LOUIES RESTAURANT</strong></p> <p style="text-align: center;"><strong>2071 31<sup>st</sup> St. S.W., Allentown</strong></p> <p style="text-align: center;"><strong>May 7, 2012</strong></p> <p style="text-align: center;"><em> </em></p> <p>Employee observed with an open beverage container in a food preparation area. Drinking in a food preparation area may only be done from a lidded container through a straw.</p> <p>Food employee observed handling raw beef and then continuing to assemble a cheese steak without first washing his hands. Hands must be washed when contamination may have occurred.</p> <p>The Italian wedding soup at the buffet was only 127 degrees F. All potentially hazardous foods in hot holding must be maintained at or above 135 degrees F. The food was less than two hours out of temperature and was ordered reheated to above 165 degrees F.</p> <p>Containers and buckets of food are being stored on the floor in the walk-in cooler and/or walk-in freezer. Store all food elevated at least six inches.</p> <p>There are no sneeze guards provided at the buffet. Sneeze guard must be provided at the buffet, even if the chaffing pan is lidded. Provide sneeze guards at both the hot and cold buffet.</p> <p>Scoops without handles are being stored in the bulk ingredients. Only scoops with handles may be stored in the product and the handle must be maintained out of the product.</p> <p>There are crates of clean container lids and cooking trays stored on the floor in the dish room. Store clean utensils elevated at least six inches off of the floor.</p> <p>The floor in the food preparation area under the equipment is dirty. Clean the floor.<em /></p> <p style="text-align: center;"><strong>Coopersburg Diner</strong></p> <p style="text-align: center;"><strong>336 N. Third St., Coopersburg</strong></p> <p style="text-align: center;"><strong>May 4, 2012</strong></p> <p style="text-align: center;"><em> </em></p> <p>A food employee was observed touching * - a ready to eat food - with bare hands.</p> <p>*, a food contact surface, was observed to have food residue and was not clean to sight and touch.</p> <p>* food, a potentially hazardous ready to eat food requiring datemarking, in the * area, was not date marked, or was beyond the date-marking and requires discarding.</p> <p>* Observed *poisonous or toxic material OR personal care item*, in * area, not clearly labeled with a manufacturer's label.</p> <p>Working containers in * area, used for storing *chemicals, cleaners* taken from bulk supplies, were not marked with the common name of the chemical.</p> <p>Observed * food being cooled in large stock pots in walk-in cooler, which is not a proper cooling method.</p> <p>Observed * food being cooled in refrigerator / walk-in cooler in containers with tight fitting lids, which is not a proper cooling method.</p> <p>Observed * food cooling at room temperature on the *, which is not a proper cooling method.</p> <p>Observed * frozen food sitting at room temperature until no longer frozen to the touch, which is not proper slacking procedure.</p> <p>* food observed thawing at room temperature on the *, which is not an approved thawing method.</p> <p>Observed wet wiping cloths in * area, not being stored in sanitizer solution.</p> <p>Food employee observed storing clean food equipment while wet, and not allowing time for draining and/or air-drying.</p> <p>Food employee in * area, observed wearing cloth gloves in contact with ready-to-eat foods.</p> <p>Observed * cooking equipment / pans, in the * area, with encrusted grease and soil accumulation.</p> <p>Observed * equipment, in * area, with an accumulation of dust, dirt, food residue, debris on non-food contact surfaces.</p> <p>Non-food contact surfaces not cleaned at a frequency to preclude accumulation of dirt and soil.</p> <p>Sewage / wastewater from the food facility is not being disposed of properly to an approved sewage system.</p> <p>Outdoor storage area for refuse is not adequately sloped to drain, as evidenced by pooling water.</p> <p>Trash receptacles are not durable, cleanable, leak proof, and/or rodent and insect resistant.</p> <p>Outdoor storage area for waste is located * and is creating a potential insect or rodent hazard for the food facility.</p> <p>Outdoor refuse area is not curbed and graded to drain, to collect liquid waste and cleaning water.</p> <p>* area of the food facility is extremely dirty, dusty, and in need of cleaning.</p> <p>Floor / wall / ceiling in the * area is made of * and is cracked / roughened / and is not a smooth, easily cleanable surface.<em /></p> <p style="text-align: center;"><strong>SANDWICHERA EL PUNTO</strong></p> <p style="text-align: center;"><strong>410 W. Tilghman St., Allentown</strong></p> <p style="text-align: center;"><strong>May 4, 2012</strong></p> <p style="text-align: left;">Employees change tasks with out first washing hands. Hands must be washed when changing tasks and before applying single use gloves.</p> <p>Hand soap is not provided at hand washing sink in food prep area. Hand washing sinks must be supplied with soap and single use paper towels at all times.</p> <p>Baine marie unit is not capable of holding potentially hazardous foods at a temperature of 41 degrees F or below. Internal temperatures of ham, 45 degrees F, cheese, 44 degrees F, salami, 51 degrees F, chicken, 50 degrees F, and beef, 49 degrees F were recorded. All out of temperature potentially hazardous food in this unit were discarded. Potentially hazardous foods must be kept at a temperature of 41 degrees F or below.</p> <p>The baine marie unit in the food prep area and the refrigerator below it are cold holding potentially hazardous foods from temperatures ranging 44 to 51 degrees F. No food is to be placed in this unit. Have this unit serviced or replaced. This unit is not be used for cold holding foods until approved by Allentown Health Bureau.</p> <p>The interior of the chicken oven and the pans used to bake chicken in the back food prep area are left unclean after use and heavily soiled with chicken fat. Clean this oven and wash, rinse,sanitize, pans after every use.<strong /></p> <p><strong>Note: Now in compliance per May 8 follow-up inspection</strong></p> <p style="text-align: center;"><strong>ALLENTOWN CENTER CITY DINER</strong></p> <p style="text-align: center;"><strong>845 Linden St., Allentown</strong></p> <p style="text-align: center;"><strong>May 3, 2012</strong></p> <p style="text-align: left;">An employee was observed putting on a pair if gloves without first washing their hands. Hands must be washed prior to putting on gloves.</p> <p>A 3lb 4oz can of Northern mushrooms located in the dry storage area was dented. Segregate this can and either discard it or return it to the vendor for credit.</p> <p>There was a pink mildew build-up in side of the ice machine. Clean and sanitize the inside of the ice machine.</p> <p>There was food residue on the slicers in the kitchen. Clean and sanitize the slicers.</p> <p>Onion, peppers, mushrooms, tomatoes, ham, cheese, dressing, mayonnaise, hamburgers and macaroni salad in the baine marie were not maintaining temperatures of 41 degrees F or below. All food that was maintaining temperatures between 42 and 45 degrees F were moved to the walk-in cooler immediately. Foods with temperatures above 45 degrees F were discarded.</p> <p>The baine marie was not maintaining food temperatures at or below 41 degrees F. Service this unit. Do not use this unit until it can maintain food temperatures at or below 41 degrees F.</p> <p>The baine marie did not have thermometer. Provide this unit with a thermometer. All refrigeration units must have thermometers.</p> <p>An employee was not wearing a hat while preparing food. All employees preparing food must wear a hat.</p> <p>Wiping cloths were observed tucked in an employees apron and on a food prep table. All wiping cloths must be stored in sanitizer solution.</p> <p>An employees was observed wiping a knife with a soiled wiping cloth, rinsing the knife and then using it for food preparation. All in-use utensils must be washed, rinsed and sanitized in between each use.</p> <p>In the back room, a rack used to store bags of potatoes and onions had an accumulation of dust and grease. Clean this rack.</p> <p>There was a grease build-up on the hood above the cooking line. Clean the hood.</p> <p>The floor behind the cooking lines and the refrigeration equipment have a build-up of grease and dirt. Clean these floors.</p> <p style="text-align: center;"><strong>I-78 QUICK STOP/ SUBWAY</strong></p> <p style="text-align: center;"><strong>2298 Golden Key Road, New Smithville</strong></p> <p style="text-align: center;"><strong>May 2, 2012</strong></p> <p style="text-align: left;">The Food Facility Operator shall be the Person in Charge or shall designate a Person in Charge and shall ensure that a Person in Charge is present at the food facility during all hours of operation. There was no Person in Charge at this facility at the beginning of this inspection. The facility manager, Mr Harinder Singh (owner's husband), was contacted by telephone and informed this inspector that Mr Sukhdev Singh was the Person in Charge. Mr Sukhdev Singh was not aware he was the Person in Charge.</p> <p style="text-align: left;">Food employee observed donning single use gloves without a prior hand wash. Corrected</p> <p>The food facility does not have a handwash sink located in the warewashing area.</p> <p>The warewashing sink is equipped with hand soap and single-use towels for handwashing. Handwashing aids and devices are not permitted at food prep or warewashing sinks.</p> <p>Outdated milk was being offered for sale. Corrected</p> <p>Raw shell eggs are displayed above ready to eat foods in the self-serve refrigerated display case.</p> <p>Bagged ice is stored on the floor in the walk-in freezer.</p> <p>Observed clean food equipment and/or utensils in the warewashing area, stored wet in a manner that does not allow for draining and/or air drying (wet nesting).</p> <p>The lights in the warewashing area are not shielded or shatter proof.</p> <p>New food facility in operation more than 90 days and has not employed a certified supervisory employees as required. This is a repeat violation. During an inspection conducted 11/4/10 the owner presented an invoice for a FEC dated 11/4/10, the course was apparently not completed.<em /></p> <p style="text-align: center;"><strong>ESTELAS DAY CARE</strong></p> <p style="text-align: center;"><strong>1449 Linden St., Allentown</strong></p> <p style="text-align: center;"><strong>May 2, 2012</strong></p> <p style="text-align: left;"><em> </em>Milk being cold held in the refrigerator had a temperature of 49F. Cold hold all food at temperatures of 41F or less at all times.</p> <p style="text-align: left;">The refrigerator is not capable of maintaining food at temperatures of 41F or less. Repair the refrigerator so that it functions correctly.</p> <p>The refrigeration thermometer is not accurate because it is reading 20F and food temperatures were 49F. Replace this thermometer with an accurate refrigeration thermometer.</p> <p style="text-align: center;"><strong>NEW SOLIDOS RESTAURANT</strong></p> <p style="text-align: center;"><strong>802 N. 7<sup>th</sup> St., Allentown</strong></p> <p style="text-align: center;"><strong>May 2, 2012</strong></p> <p style="text-align: left;"><em> </em>A water bottle and a coffee cup were seen in the kitchen. When drinking in a food preparation area employees must drink from a cup with a lid and a straw.</p> <p style="text-align: left;">Beef, chicken and potatoes in the refrigerators and freezers were uncovered. All stored food must be covered .</p> <p>Raw fish was being stored in a container with bloody water. Remove the fish from this container. Store fish in a clean container.</p> <p>Cheese, hotdogs, sauerkraut and cream cheese located in the refrigerators in the bar area were not maintaining temperatures of 41 degrees or below. Food was in the refrigerators over night. Food was discarded immediately.</p> <p>Cut cucumbers, tomatoes and peppers were being stored on a prep table at room temperature. The vegetables were out for more than 4 hours and were discarded immediately. Cut vegetables must maintain temperatures at or below 41 degrees F.</p> <p>The refrigerators in the front of the restaurant were not maintaining food temperatures of 41 F degrees or below. Service these units and do not store foods requiring refrigeration in them until they can maintain food temperatures at 41 degrees F or below.</p> <p>Thermometers were not located in any of the refrigerators or freezers. Provide thermometers for these units.</p> <p>An employee was observed with a wiping cloth tucked in his apron in between uses. All wiping cloths must be stored in sanitizer solution.</p> <p>Spoon for dishing beef was buried in the beef. The ice scoop was buried in the ice. All in-use utensils must be stored with the handle above the food and/or ice.</p> <p>A dirty knife was being used to cut chicken at the hot holding unit. All utensils must be washed, rinsed and sanitized in between uses.</p> <p>A mufungo maker and knives are being stored without being washed. Wash, rinse and sanitize utensils after each use.</p> <p>Dishes are not being washed, rinsed or sanitized on a daily basis. Dishes must be washed rinsed, sanitized and air dried after each use.</p> <p>The interiors of the refrigerators, freezers and microwave, the fryers, cooking line and the prep tables were greasy and dirty with food residue. Clean all these areas.</p> <p>Trash and recycling bins were located on top of food prep tables and dish storage tables. All trash and recycling bins must be stored on the floor and segregated from food prep and clean storage areas.</p> <p>There was grease on the floor surrounding the cooking line. Clean the floor.</p> <p>Grease and dust were observed on the exhaust fan. Clean this fan.</p> <p><strong>Note: Now in compliance per May 4 follow-up inspection</strong></p> <p style="text-align: center;"> <strong>CONTINENTAL RESTAURANT</strong></p> <p style="text-align: center;"><strong>1301 Hamilton St., Allentown</strong></p> <p style="text-align: center;"><strong>April 27, 2012</strong></p> <p style="text-align: left;">Clean utensils were stored in the hand sink and therefore the sink was not available for hand washing. Remove all utensils from the sink and use this sink only for hand washing.</p> <p>Paper towel dispenser was empty at the hand wash sink. Supply paper towels to this sink immediately and at all times.</p> <p>Moldy plantains were stored in a box in the kitchen. Discard the plantains immediately and discard all spoiled food immediately upon its discovery.</p> <p>Open jars of garlic and caesar dressing were observed on shelving. The jars were labeled keep refrigerated. Discard the garlic and the dressing immediately and read and follow all label directions. Cold hold food at temperatures of 41F or less at all times.</p> <p>The floor under the fryer requires cleaning to remove grease. Clean the floor under the fryer to remove the grease.</p> <p style="text-align: center;"><strong>DUNKIN DONUTS</strong></p> <p style="text-align: center;"><strong>1427 W. Tilghman St., Allentown</strong></p> <p style="text-align: center;"><strong>April 27, 2012</strong></p> <p style="text-align: left;"> Fruit flies were evident at the facility at the time of inspection. According to manager, there was a fruit fly nest detected under the front counter at the ice machine. The facility has contracted an exterminator to control the issue. Continue to treat floor drains and monitor the traps in order to eliminate all fruit flies from the facility.</p> <p style="text-align: left;">A leaking water filter was detected at the ice machine. Repair the filter lines so it does not leak. Remove all standing water from the floor.</p> <p>The food safety certification was not posted at this facility. Food safety certifications must be posted at all times.</p> <p><strong>Note: Now in compliance per May 4 follow-up inspection</strong></p> <p><strong>More about food safety inspections:</strong></p> <p>State, county and local inspectors routinely check conditions at restaurants, supermarkets, convenience stores, corner stores, school cafeterias and other places where food is sold or served.</p> <p>I am not passing judgment on these establishments, just presenting to you what already has been <a href="http://www.agriculture.state.pa.us/portal/server.pt/gateway/PTARGS_0_2_24476_10297_0_43/AgWebsite/Page.aspx?name=Food-Safety-Inspection-Results&amp;navid=31&amp;parentnavid=0&amp;pageid=50&amp;" target="_self">publicly published by the Pennsylvania Department of Agriculture</a>. The reports above are taken verbatim from that website, where you can find <a href="http://www.agriculture.state.pa.us/portal/server.pt/gateway/PTARGS_0_2_24476_10297_0_43/AgWebsite/ProgramDetail.aspx?name=Food-Safety-Inspection-Results&amp;navid=12&amp;parentnavid=0&amp;palid=54" target="_self">more information and historical reports</a>.</p> <p>Keep in mind that these reports are a snapshot in time. Many of the violations likely were corrected immediately. Many violations are minor, and even businesses that are considered to be compliant can have violations. A business can have a few violations and still be compliant, or have only one violation and be non-compliant. It all depends on the nature of the problem, but if a restaurant or store was determined to be out of compliance, that suggests the inspector found significant problems.</p> <p>You can check the inspection histories of non-compliant establishments to see if the problem appears to be a one-time event or a potentially long-standing issue.</p> <p>Violations are broken into two categories, according to the Department of Agriculture:</p> <p><strong>Foodborne Illness Risk Factors:</strong> These are the types of violations that can make someone ill if they are not corrected. Factors such as good worker hygiene, correct holding and storing temperatures for foods and making sure the food comes from approved sources are all critical for ensuring public health. If one of these violations is found, it must be corrected immediately or it will put the entire inspection out of compliance. The violation will still show up on the report if it is corrected immediately, but the restaurant will be considered in compliance. On the report, these violations are listed in red.</p> <p><strong>Good Retail Practices:</strong> These violations are also important for protecting public health, but have less potential to cause a significant foodborne illness. If a restaurant has one or two of these violations, they should be corrected immediately or a follow-up inspection will be required. It may or may not put the restaurant out of compliance, depending on the severity and the circumstances of the violation.</p> <p><strong> </strong></p> <p><strong> </strong></p> <p><strong> </strong></p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f7c4828/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Why+did+health+inspectors+fail+these+restaurants%3F&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwhy-did-health-inspectors-fail-these-restaurants.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Why+did+health+inspectors+fail+these+restaurants%3F&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwhy-did-health-inspectors-fail-these-restaurants.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/134204390622/u/49/f/623011/c/34254/s/1f7c4828/a2.htm"><img src="http://da.feedsportal.com/r/134204390622/u/49/f/623011/c/34254/s/1f7c4828/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/134204390622/u/49/f/623011/c/34254/s/1f7c4828/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/Qz4IeTRR1-1l6DK8BYnHru1yfxE/0/da"><img src="http://feedads.g.doubleclick.net/~a/Qz4IeTRR1-1l6DK8BYnHru1yfxE/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/Qz4IeTRR1-1l6DK8BYnHru1yfxE/1/da"><img src="http://feedads.g.doubleclick.net/~a/Qz4IeTRR1-1l6DK8BYnHru1yfxE/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>If you live in an apartment complex and have wondered about your electric bills, you'll want to read this</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1f72d642/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Cif0Eyou0Elive0Ein0Ean0Eapartment0Ecomplex0Eand0Ehave0Ewondered0Eabout0Eyour0Eelectric0Ebills0Eyoull0Ewant0Eto0Eread0Et0Bhtml/story01.htm</link><description>Some tenants at a Macungie apartment complex are in a dispute with their landlord over electric costs. They learned they'd been paying for some of the complex's common area lighting. Today's Watchdog column has the details of what is happening...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f72d642/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=If+you+live+in+an+apartment+complex+and+have+wondered+about+your+electric+bills%2C+you%27ll+want+to+read+this&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fif-you-live-in-an-apartment-complex-and-have-wondered-about-your-electric-bills-youll-want-to-read-t.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=If+you+live+in+an+apartment+complex+and+have+wondered+about+your+electric+bills%2C+you%27ll+want+to+read+this&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fif-you-live-in-an-apartment-complex-and-have-wondered-about-your-electric-bills-youll-want-to-read-t.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/134204588336/u/49/f/623011/c/34254/s/1f72d642/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/134204588336/u/49/f/623011/c/34254/s/1f72d642/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/134204588336/u/49/f/623011/c/34254/s/1f72d642/a2t.img" border="0"/&gt;</description><pubDate>Thu, 17 May 2012 15:34:05 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef0168eb92603d970c</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Mismanagement</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0163059cc30e970d-pi" style="float: left;"><img alt="Light bulbs" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef0163059cc30e970d image-full" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0163059cc30e970d-800wi" style="margin: 0px 5px 5px 0px;" title="Light bulbs" /></a>Some tenants at a Macungie apartment complex are in a dispute with their landlord over electric costs. They learned they'd been paying for some of the complex's common area lighting.</p> <p>Today's <a href="http://www.mcall.com/news/local/watchdog/mc-madison-macungie-village-apartments-watchdog-20120516,0,6361082.column" target="_self">Watchdog column </a>has the details of what is happening at Madison at Macungie Village.  </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f72d642/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=If+you+live+in+an+apartment+complex+and+have+wondered+about+your+electric+bills%2C+you%27ll+want+to+read+this&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fif-you-live-in-an-apartment-complex-and-have-wondered-about-your-electric-bills-youll-want-to-read-t.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=If+you+live+in+an+apartment+complex+and+have+wondered+about+your+electric+bills%2C+you%27ll+want+to+read+this&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fif-you-live-in-an-apartment-complex-and-have-wondered-about-your-electric-bills-youll-want-to-read-t.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/134204588336/u/49/f/623011/c/34254/s/1f72d642/a2.htm"><img src="http://da.feedsportal.com/r/134204588336/u/49/f/623011/c/34254/s/1f72d642/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/134204588336/u/49/f/623011/c/34254/s/1f72d642/a2t.img" border="0"/>
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<a href="http://feedads.g.doubleclick.net/~a/Bcul8X1fyyDhASoTv_x9uctwXxc/1/da"><img src="http://feedads.g.doubleclick.net/~a/Bcul8X1fyyDhASoTv_x9uctwXxc/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Skechers put its foot in its mouth with false health claims about its athletic shoes, authorities say</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1f6b26dc/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Cskechers0Eput0Eits0Efoot0Ein0Eits0Emouth0Ewith0Efalse0Ehealth0Eclaims0Eabout0Eits0Eathletic0Eshoes0Eauthorities0Esay0Bhtml/story01.htm</link><description>Hopefully you didn't believe the sketchy claims by Skechers that its toning shoes could help you get in shape without ever setting foot in the gym. Consumer protection authorities said Wednesday the claims were misleading (shocker there!) and people who...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f6b26dc/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Skechers+put+its+foot+in+its+mouth+with+false+health+claims+about+its+athletic+shoes%2C+authorities+say&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fskechers-put-its-foot-in-its-mouth-with-false-health-claims-about-its-athletic-shoes-authorities-say.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Skechers+put+its+foot+in+its+mouth+with+false+health+claims+about+its+athletic+shoes%2C+authorities+say&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fskechers-put-its-foot-in-its-mouth-with-false-health-claims-about-its-athletic-shoes-authorities-say.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/134204304969/u/49/f/623011/c/34254/s/1f6b26dc/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/134204304969/u/49/f/623011/c/34254/s/1f6b26dc/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/134204304969/u/49/f/623011/c/34254/s/1f6b26dc/a2t.img" border="0"/&gt;</description><pubDate>Wed, 16 May 2012 16:26:42 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef016305963914970d</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Scams</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef01630596592b970d-pi" style="float: left;"><img alt="Shape ups" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef01630596592b970d" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef01630596592b970d-800wi" style="margin: 0px 5px 5px 0px;" title="Shape ups" /></a>Hopefully you didn't believe the sketchy claims by Skechers that its toning shoes could help you get in shape without ever setting foot in the gym.</p> <p>Consumer protection authorities said Wednesday the claims were misleading (shocker there!) and people who bought the shoes can request refunds.</p> <p>Skechers will pay $40 million to <a href="http://www.ftc.gov/os/caselist/1023069/120516skechersjdmt.pdf" target="_self">settle an investigation </a>by federal and state authorities.</p> <p>The majority of that money will go to <a href="http://www.ftc.gov/bcp/cases/skechers/index.shtm" target="_self">refunds</a> to people who bought Shape-ups, Resistance Runner, Toners and Tone-ups, the Federal Trade Commission announced Wednesday.</p> <p><a href="http://www.ftc.gov/os/caselist/1023069/120516skecherscmpt.pdf" target="_self">Authorities alleged </a>the shoe-maker made deceptive claims about the health benefits of its footwear, including that it could help you lose weight and "make your bottom half your better half" by strengthening and toning your butt, legs and abdominal muscles.</p> <p>"Skechers focused their <a href="http://www.attorneygeneral.gov/uploadedFiles/Press/5-16-12%20Skechers%20Ads.pdf" target="_self">marketing efforts </a>on fitness-conscious women," Pennsylvania Attorney General Linda Kelly said in a <a href="http://www.attorneygeneral.gov/press.aspx?id=6545" target="_self">news release</a>. "However, their promises of weight loss and strengthening were misleading to many consumers."</p> <p>In a <a href="http://skx.com/press.jsp" target="_self">statement</a>, Skechers denied the allegations and said it believes its ads were "appropriate."</p> <p>“While we vigorously deny the allegations made in these legal proceedings and looked forward to vindicating these claims in court, Skechers could not ignore the exorbitant cost and endless distraction of several years spent defending multiple lawsuits in multiple courts across the country,” said David Weinberg, the company’s chief financial officer. “This settlement will dispose once and for all of the regulatory and class action proceedings. While we believe we could have prevailed in each of these cases, to do so would have imposed an unreasonable burden on the company regardless of the outcome.”</p> <p>David Vladeck, director of consumer protection at the FTC, <a href="http://www.ftc.gov/opa/2012/05/consumerrefund.shtm" target="_self">said in a news conference </a>that millions of people bought the shoes, which were plugged with a steamy commercial during the 2011 Super Bowl.</p> <p>“The only thing that got a workout was their wallet,” he said.</p> <p>If you bought the shoes, you can request a refund <a href="http://www.ftc.gov/bcp/cases/skechers/index.shtm" target="_self">here</a>.</p> <p>This probe followed a similar investigation last year of <a href="http://blogs.mcall.com/watchdog/2011/09/reebok-to-offer-refunds-on-athlethic-shoes.html" target="_self">Reebok athletic shoes</a>. Reebok agreed to pay $25 million to settle that case, and the FTC said checks soon will be sent to customers who requested refunds.</p> <p> </p> <p> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f6b26dc/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Skechers+put+its+foot+in+its+mouth+with+false+health+claims+about+its+athletic+shoes%2C+authorities+say&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fskechers-put-its-foot-in-its-mouth-with-false-health-claims-about-its-athletic-shoes-authorities-say.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Skechers+put+its+foot+in+its+mouth+with+false+health+claims+about+its+athletic+shoes%2C+authorities+say&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fskechers-put-its-foot-in-its-mouth-with-false-health-claims-about-its-athletic-shoes-authorities-say.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/134204304969/u/49/f/623011/c/34254/s/1f6b26dc/a2.htm"><img src="http://da.feedsportal.com/r/134204304969/u/49/f/623011/c/34254/s/1f6b26dc/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/134204304969/u/49/f/623011/c/34254/s/1f6b26dc/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/AdseRBmRJldE0z30jifQm_D5yCY/0/da"><img src="http://feedads.g.doubleclick.net/~a/AdseRBmRJldE0z30jifQm_D5yCY/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/AdseRBmRJldE0z30jifQm_D5yCY/1/da"><img src="http://feedads.g.doubleclick.net/~a/AdseRBmRJldE0z30jifQm_D5yCY/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Travel insurance might not help if the ship sails without you</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1f6a65b1/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Ctravel0Einsurance0Emight0Enot0Ehelp0Eif0Ethe0Eship0Esails0Ewithout0Eyou0Bhtml/story01.htm</link><description>Bob Durn of Allentown seemed to have a good argument when he sought the Watchdog's help in a dispute with his travel insurance. He'd missed a cruise that left New York as the city was shutting down for Hurricane Irene...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f6a65b1/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Travel+insurance+might+not+help+if+the+ship+sails+without+you&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Ftravel-insurance-might-not-help-if-the-ship-sails-without-you.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Travel+insurance+might+not+help+if+the+ship+sails+without+you&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Ftravel-insurance-might-not-help-if-the-ship-sails-without-you.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/134204542905/u/49/f/623011/c/34254/s/1f6a65b1/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/134204542905/u/49/f/623011/c/34254/s/1f6a65b1/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/134204542905/u/49/f/623011/c/34254/s/1f6a65b1/a2t.img" border="0"/&gt;</description><pubDate>Wed, 16 May 2012 14:56:06 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef0167666eeff4970b</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Allentown</dc:subject><dc:subject>Current Affairs</dc:subject><dc:subject>Travel</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0168eb8b7bf7970c-pi" style="float: left;"><img alt="Cruise ship" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef0168eb8b7bf7970c" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0168eb8b7bf7970c-800wi" style="margin: 0px 5px 5px 0px;" title="Cruise ship" /></a>Bob Durn of Allentown seemed to have a good argument when he sought the Watchdog's help in a dispute with his travel insurance. He'd missed a cruise that left New York as the city was shutting down for Hurricane Irene last year.</p> <p>That seemed to be exactly the sort of thing travel insurance should cover, I thought. I was wrong.</p> <p>Durn's policy through Access America Insurance of Richmond, Va., came with all sorts of exclusions, including natural disasters; travel bulletins or alerts; and government prohibition and regulations.</p> <p>The policy covered natural disasters only if they resulted in the "complete shutdown" of the travel supplier, in this case, Princess Cruises.</p> <p>"Their attitude is, the ship went, you should have been there," Durn told me.</p> <p>The cruise was scheduled to depart from the Brooklyn terminal Aug. 27. Durn said the departure time was moved up several hours due to the looming storm, but the ship sailed. He told me he and his wife didn't go because transportation issues kept them from getting there, and because New York authorities were telling people to stay out of that area. The Durns weren't going to risk their safety.</p> <p>Princess Cruises advised them the day before the cruise not to park at the pier because of the potential for flooding, Durn said. It advised passengers to make arrangements to be dropped off at the terminal instead. Durn said he and his wife tried to line up last-minute transportation through their travel agent, but couldn't.</p> <p>"I feel that we made every effort to go on the cruise but with the weather issues, transportation problems, the lack of prudence on the cruise line we could not make it safely to meet the departure of the ship," Durn wrote in his insurance claim seeking about $2,400.</p> <p>In denying the claim, Access America didn't cite the natural disaster exclusion. It told the Durns their policy didn't cover losses for travel bulletins/alerts or government prohibitions/regulations.</p> <p>If you assume travel insurance would cover you in the event of a disaster like a hurricane, be aware that it might not. Read the fine print and know what the exclusions are.</p> <p> </p> <p> </p> <p> </p> <p> </p> <p> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f6a65b1/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Travel+insurance+might+not+help+if+the+ship+sails+without+you&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Ftravel-insurance-might-not-help-if-the-ship-sails-without-you.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Travel+insurance+might+not+help+if+the+ship+sails+without+you&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Ftravel-insurance-might-not-help-if-the-ship-sails-without-you.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/134204542905/u/49/f/623011/c/34254/s/1f6a65b1/a2.htm"><img src="http://da.feedsportal.com/r/134204542905/u/49/f/623011/c/34254/s/1f6a65b1/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/134204542905/u/49/f/623011/c/34254/s/1f6a65b1/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/HrlCKwPVRNx2mNJBmo5PuZghiK0/0/da"><img src="http://feedads.g.doubleclick.net/~a/HrlCKwPVRNx2mNJBmo5PuZghiK0/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/HrlCKwPVRNx2mNJBmo5PuZghiK0/1/da"><img src="http://feedads.g.doubleclick.net/~a/HrlCKwPVRNx2mNJBmo5PuZghiK0/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Cable collection, hotel Wi-Fi, magazine scams</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1f44a977/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Ccable0Ecollection0Ehotel0Ewi0Efi0Emagazine0Escams0Bhtml/story01.htm</link><description>When this door-to-door scammer told an Allentown woman she had to pay up to keep her cable from being cut, he meant it. The woman called me recently to report the scam. She said the man who knocked on her...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f44a977/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Cable+collection%2C+hotel+Wi-Fi%2C+magazine+scams&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fcable-collection-hotel-wi-fi-magazine-scams.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Cable+collection%2C+hotel+Wi-Fi%2C+magazine+scams&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fcable-collection-hotel-wi-fi-magazine-scams.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/134204346745/u/49/f/623011/c/34254/s/1f44a977/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/134204346745/u/49/f/623011/c/34254/s/1f44a977/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/134204346745/u/49/f/623011/c/34254/s/1f44a977/a2t.img" border="0"/&gt;</description><pubDate>Fri, 11 May 2012 16:13:33 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef0168eb6f8b80970c</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Allentown</dc:subject><dc:subject>Current Affairs</dc:subject><dc:subject>Scams</dc:subject><dc:subject>Travel</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Web/Tech</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0167666dd574970b-pi" style="float: left;"><img alt="TV" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef0167666dd574970b" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0167666dd574970b-800wi" style="margin: 0px 5px 5px 0px;" title="TV" /></a>When this door-to-door scammer told an Allentown woman she had to pay up to keep her cable from being cut, he meant it.</p> The woman called me recently to report the scam. She said the man who knocked on her door said she had to pay him to keep her cable on. He said if she didn't, her service would be cut. She told him to scram, and later learned she had no cable service - the cable had been cut, literally, with the wires severed. She suspects the fake bill collector did it. <p>She said she called her cable company and was told her account was in good standing and there was no order to shut off her service. Besides, it was Sunday, and they don't work on Sundays.</p> <p>If a visitor like this comes to your door, don't give him any money. Cable company employees typically wear uniforms and drive marked vehicles. If you suspect there's a problem with your account, call your cable company. Don't take the word of some guy on your doorstep.</p> <p><strong>Beware using hotel Wi-Fi</strong></p> <p>If you're a frequent foreign traveler who uses the Wi-Fi connection in hotels, you'll want to pay attention to this <a href="http://www.fbi.gov/scams-safety/e-scams?utm_campaign=email-Immediate&amp;utm_content=96622" target="_self">warning</a> issued Tuesday by federal authorities.</p> <p>The FBI and other agencies say malicious software is being downloaded onto the computers of unsuspecting guests through pop-up windows while they are establishing an Internet connection in their hotel rooms abroad.</p> <p>According to the warning, issued through the Internet Crime Complaint Center:</p> <p>"The traveler was attempting to set up the hotel room Internet connection and was presented with a pop-up window notifying the user to update a widely used software product. If the user clicked to accept and install the update, malicious software was installed on the laptop. The pop-up window appeared to be offering a routine update to a legitimate software product for which updates are frequently available."</p> <p>If you're traveling and are uncertain of the security of the network you are using, don't accept any prompts for software updates. You can catch up when you return home. Also remember to avoid logging onto bank and similar accounts through public Wi-Fi. If you must, immediately change your password when you return home, just in case.</p> <p><strong>Another magazine subscription scam</strong></p> <p>Some scammers really are dumb. If you were trying to rip off someone using a magazine subscription trick, would you really target someone who reads Consumer Reports?</p> <p>A local Consumer Reports subscriber told me he was targeted with a scam call from a Florida phone number. The caller said he was offering a big discount for renewing Consumer Reports. It just so happens that the resident he called does subscribe to that magazine. Whether the scammer knew that or just got lucky, I'm not sure.</p> <p>The caller said he could offer the special price of $36, but only today. That was $8 more than the man had paid when he subscribed. Some special.</p> <p>The caller said the transaction would be easy, and could be charged to the credit card on file for his account. It starts with a 4, the scammer said, trying in vain to prompt his prey to reveal the rest of the digits.</p> <p>If you aren't aware, many credit card numbers start with 4. So don't fall for that one. His prey didn't, because he knew his credit card wasn't on file. He'd paid for his subscription by check.</p> <p>Realizing he'd reached a savvy consumer, the scammer eventually hung up.</p> <p> </p> <p> </p> <p> </p> <p> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f44a977/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Cable+collection%2C+hotel+Wi-Fi%2C+magazine+scams&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fcable-collection-hotel-wi-fi-magazine-scams.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Cable+collection%2C+hotel+Wi-Fi%2C+magazine+scams&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fcable-collection-hotel-wi-fi-magazine-scams.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/134204346745/u/49/f/623011/c/34254/s/1f44a977/a2.htm"><img src="http://da.feedsportal.com/r/134204346745/u/49/f/623011/c/34254/s/1f44a977/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/134204346745/u/49/f/623011/c/34254/s/1f44a977/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/YRRYzVB_ygcZHGYjvyST1jyy8Go/0/da"><img src="http://feedads.g.doubleclick.net/~a/YRRYzVB_ygcZHGYjvyST1jyy8Go/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/YRRYzVB_ygcZHGYjvyST1jyy8Go/1/da"><img src="http://feedads.g.doubleclick.net/~a/YRRYzVB_ygcZHGYjvyST1jyy8Go/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Feds seek $52 million in cramming refunds for phone customers</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1f231854/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Cfeds0Eseek0E520Emillion0Ein0Ecramming0Erefunds0Efor0Ephone0Ecustomers0Bhtml/story01.htm</link><description>I've already told you that Verizon customers can seek refunds for cramming charges that you unknowingly paid on your phone bills. Scammed customers also may be able to recoup more money if the feds win this fight. Billing Services Group,...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f231854/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Feds+seek+%2452+million+in+cramming+refunds+for+phone+customers&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Ffeds-seek-52-million-in-cramming-refunds-for-phone-customers.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Feds+seek+%2452+million+in+cramming+refunds+for+phone+customers&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Ffeds-seek-52-million-in-cramming-refunds-for-phone-customers.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/133515378281/u/49/f/623011/c/34254/s/1f231854/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/133515378281/u/49/f/623011/c/34254/s/1f231854/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/133515378281/u/49/f/623011/c/34254/s/1f231854/a2t.img" border="0"/&gt;</description><pubDate>Tue, 08 May 2012 19:14:13 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef0163055cf0c4970d</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Scams</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p>I've already told you that Verizon customers <a href="https://www.verizonthirdpartybillingsettlement.com/(S(mqj01ayn1lfiac5dd5xayelr))/Default.aspx" target="_self">can seek refunds for cramming charges </a>that you unknowingly paid on your phone bills. Scammed customers also may be able to recoup more money if the feds win this fight.</p> <p>Billing Services Group, known as BSG, should be forced to refund $52 million for placing bogus charges on the phone bills of nearly 1.2 million people "on behalf of a serial phone crammer," the Federal Trade Commission alleges.</p> <p>The agency has asked a federal judge to <a href="http://www.ftc.gov/os/caselist/x980069/120508bsgmotion.pdf" target="_self">find the firm in contempt </a>for violating a previous agreement that prohibited unauthorized billing.</p> <p>"BSG made it possible for con artists to steal people's hard-earned money by placing charges on phone bills for services they never ordered or used," FTC director David Vladeck said in a <a href="http://www.ftc.gov/opa/2012/05/bsg.shtm" target="_self">news release</a>. "Under previous federal court orders, BSG cannot profit from the fraud of others and then deny responsiblity for the harm they made possible."</p> <p>Cramming occurs when your phone bill includes charges you didn't authorize from companies other than your phone company. They can range from phone-related services such as voicemail to nearly anything else, such as diet plans. How the charges get on your phone bill is a complicated story, but suffice it to say that it's legal and is all about money. If you want to know more about how it works, <a href="http://www.mcall.com/news/local/watchdog/mc-verizon-att-cramming-watchdog-20120418,0,5453295.column?page=1" target="_self">read this column </a>I wrote last month.<br /><br />BSG is a billing aggregator, meaning it is hired by other companies to handle their billing, which they do by contracting with phone companies to have the charges placed on phone bills.</p> <p>In this case, authorities say BSG placed charges for "enhanced services" such as voicemail and streaming video, from third-party companies on phone bills of people who never authorized the charges or used the services. Authorities say BSG failed to investigate whether the charges were legitimate despite being swamped with complaints from people who alleged they were not.</p> <p>In a <a href="http://www.bsgclearing.com/files/currentpressreleases/BSG_Press_Release_Reaction_05_08_2012.pdf" target="_self">statement</a>, BSG said it is being wrongly blamed for the actions of someone else. It said the government's motion for contempt "<span style="font-size: small;">represents an incomplete and inaccurate representation of the facts and leaps to false conclusions." </span></p> <p><span style="font-size: small;">"The FTC plainly misunderstands BSG’s business, and declined our invitation to meet with them about our due diligence processes before filing its motion in March," the statement says. "BSG has fought hard to stop crammers since our incorporation 23 years ago. We have a strict protocol in place to thwart cramming, including a 100-point review process that all businesses must go through before we allow them to bill any customers, monthly performance evaluations, and a thorough review of all customer inquiries. Our process includes pre-screening vendors, authenticating charges and testing to confirm the authenticity of charges. We believe in the effectiveness of our due diligence processes, which have reduced reports of cramming to extraordinarily low levels."</span> <p>The Federal Communications Commission is getting aggressive against cramming and recently <a href="http://articles.mcall.com/2011-08-10/news/mc-watchdog-cramming-20110810_1_voicenet-telephone-cheap2dial-telephone-third-party-charges" target="_self">enacted new rules </a>to prevent it. Major phone companies also finally have acknowledged the problems with allowing their bills to contain charges from outside companies, as <a href="http://blogs.mcall.com/watchdog/2012/04/verizon-may-owe-you-money.html" target="_self">Verizon and AT&amp;T recently announced </a>they no longer would be including those charges on their land-line phone bills.</p> <p>Make sure to read your phone bills carefully. If you see charges that don't look right, call your phone company. If you believe you were crammed, you can seek help from the <a href="https://www.ftccomplaintassistant.gov/" target="_self">FTC</a> or the <a href="http://www.fcc.gov/complaints" target="_self">FCC</a>.</p> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f231854/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Feds+seek+%2452+million+in+cramming+refunds+for+phone+customers&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Ffeds-seek-52-million-in-cramming-refunds-for-phone-customers.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Feds+seek+%2452+million+in+cramming+refunds+for+phone+customers&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Ffeds-seek-52-million-in-cramming-refunds-for-phone-customers.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/133515378281/u/49/f/623011/c/34254/s/1f231854/a2.htm"><img src="http://da.feedsportal.com/r/133515378281/u/49/f/623011/c/34254/s/1f231854/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/133515378281/u/49/f/623011/c/34254/s/1f231854/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/xSoGsMwzHK-l6vXZ-VKhpnoqlCQ/0/da"><img src="http://feedads.g.doubleclick.net/~a/xSoGsMwzHK-l6vXZ-VKhpnoqlCQ/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/xSoGsMwzHK-l6vXZ-VKhpnoqlCQ/1/da"><img src="http://feedads.g.doubleclick.net/~a/xSoGsMwzHK-l6vXZ-VKhpnoqlCQ/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>The lowdown on payday loans</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1f0bdc50/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Cthe0Elowdown0Eon0Epayday0Eloans0E0Bhtml/story01.htm</link><description>Payday loans aren't illegal in Pennsylvania, but you don't see payday lending stores here because a state law caps interest rates at a number that doesn't make the loans profitable. Still, some state residents are getting the loans illegally online...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f0bdc50/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=The+lowdown+on+payday+loans&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fthe-lowdown-on-payday-loans-.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=The+lowdown+on+payday+loans&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fthe-lowdown-on-payday-loans-.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/133515260307/u/49/f/623011/c/34254/s/1f0bdc50/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/133515260307/u/49/f/623011/c/34254/s/1f0bdc50/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/133515260307/u/49/f/623011/c/34254/s/1f0bdc50/a2t.img" border="0"/&gt;</description><pubDate>Fri, 04 May 2012 18:16:29 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef0163052bb449970d</guid><dc:creator>Paul Muschick</dc:creator><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0168eb2208b6970c-pi" style="float: left;"><img alt="Cash" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef0168eb2208b6970c image-full" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0168eb2208b6970c-800wi" style="margin: 0px 5px 5px 0px;" title="Cash" /></a>Payday loans aren't illegal in Pennsylvania, but you don't see payday lending stores here because a state law caps interest rates at a number that doesn't make the loans profitable.</p> <p>Still, some state residents are getting the loans illegally online and others are crossing state lines to get loans in states where they are legal. They're possibly being exploited in the process. Is that enough of a reason to change the law to allow the loans to occur in Pennsylvania, so they can be regulated and protect borrowers?</p> <p>More than 50 state legislators, including a few from the Lehigh Valley, say yes. They're backing <a href="http://www.legis.state.pa.us/cfdocs/legis/PN/Public/btCheck.cfm?txtType=HTM&amp;sessYr=2011&amp;sessInd=0&amp;billBody=H&amp;billTyp=B&amp;billNbr=2191&amp;pn=3216" target="_self">House Bill 2191</a>, which they say would allow payday loans to occur safely by licensing lenders and structuring loans with the intent of keeping borrowers from being buried in excessive debt.</p> <p>"I am proposing HB 2191 to provide good consumer protections for those in need of short-term, unsecured lending and provide them with a safe alternative to the unsecured Internet lending to which they are currently exposed," Rep. Chris Ross, <a href="http://www.legis.state.pa.us/WU01/LI/CSM/2011/0/9354.pdf" target="_self">the bill's sponsor</a>, told the House Consumer Affairs Committee on Thursday.</p> <p>Opponents say the best way to protect consumers is to <a href="http://www.pacourts.us/OpPosting/Supreme/out/J-38-2010mo.pdf" target="_self">keep the law as it is </a>and keep payday loans out of the reach of most state residents.</p> <p>"The reality is that payday lending traps vulnerable people in a long-term cycle of debt," said Kerry Smith, an attorney for Community Legal Services in Philadelphia.</p> <p>Several dozen community, housing and religious groups oppose the legislation. They've created a website, <a href="http://www.stoppaydayloanspa.com">www.stoppaydayloanspa.com</a>. Smith and others testified at Thursday's hearing, which I attended.</p> <p>Today's <a href="http://www.mcall.com/news/local/watchdog/mc-payday-loans-pennsylvania-chris-ross-watchdog-20120505,0,1148052.column" target="_self">Watchdog column </a>has more details from that hearing. The proposed amended version of the bill would permit payday loans with a finance charge of 12.5 percent plus a $5 fee. On a $300, two-week loan, that would equate to costs of $42.50 and an APR of 369 percent, Smith said.</p> <p>There seemed to be a good deal of support for the legislation, based on the comments of committee members. Many said struggling families have no better alternatives than payday loans to get by.</p> <p>"Right now, it doesn't seem that a lot of their other options are any better than what this bill is putting forward," said Rep. Sheryl Delozier, a Republican from Cumberland County.</p> <p>Other supporters of the bill include Lehigh Valley representatives Joe Brennan and Julie Harhart. I couldn't catch up with Brennan to ask him why he supports the bill (we played phone tag). Harhart told me she sees this as a good consumer protection initiative. She attended part of Thursday's hearing.</p> <p>The Community Financial Services Association of America, which describes itself as the national trade association of reputable and regulated storefront payday lenders, says on its website that payday loans serve a purpose if used properly.</p> <p>“A payday advance should be used responsibly and for only the purpose for which it is intended: To solve temporary cash-flow problems by bridging the gap between paydays,” the association says. “It is important for a customer to recognize his or her ability to repay the loan when due. A payday advance is not a long-term solution for ongoing budget concerns or difficulties in managing finances.”</p> <p>The payday industry says it provides a service by providing loans in smaller amounts than you can obtain from a bank. It says calculating the costs as annual interest rates is unfair, and the cost is less than the potential alternatives of bouncing a check or skipping a credit card payment.</p> <p>Rep. Ross said he's heard the concerns about payday loans, and he intends to amend the bill to reduce what lenders could charge and to add other protections, such as preventing rollover loans that could keep people in debt.</p> <p>Opponents say that won't make a difference, because people can just take out new loans.</p> <p>"It makes someone's bad problem worse," the Rev. Amy Reumann, director of Lutheran Advocacy Ministry in Pennsylvania, testified at Thursday's hearing.</p> <p>Opponents say while someone may think they're getting themselves out of trouble by taking a payday loan to pay a bill, they're only digging a deeper financial hole because many times, they can't afford to repay the loan and make their other monthly obligations such as rent and utility bills. So they take out another loan, and the cycle has begun.</p> <p>Both sides quoted statistics from a slew of studies that they said proved their points.</p> <p>In a letter to the House Consumer Affairs committee, state Banking Secretary Glenn Moyer said the amended version of the bill contains “strong licensing and enforcement provisions” that would adequately protect borrowers.</p> <p>Where does the Watchdog fall on this? I agree that working-class families may not have many options for getting fast cash or paying emergency bills, but I don't see <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt060.shtm" target="_self">payday loans </a>as the answer.</p> <p>It's worth noting that the debate isn't happening just in Pennsylvania. The Consumer Financial Protection Bureau is <a href="http://www.consumerfinance.gov/pressreleases/consumer-financial-protection-bureau-examines-payday-lending/" target="_self">looking into payday loans</a>.  </p> <p>“We recognize the need for emergency credit. At the same time, it is important that these products actually help consumers, rather than harm them,” bureau Director Richard Cordray said at a hearing on the issue in January.</p> <p>While I don't doubt that some state residents are getting ripped off through illegal online payday loans, I can't say how much of a problem that is because I haven't seen any data on it. Given that, I question the need to legalize the loans and expose the greater population to potential pitfalls that come with the loans.</p> <p>If there are problems with illegal loans, the answer seems to be better enforcement. That would fall to the Department of Banking, which earlier this year did fine one company, East Side Lenders of Delaware, $150,000.</p> <p>Here is some of the written testimony submitted at Thursday's hearing:</p> <p style="text-align: center;"><strong>John Rabenold, Axcess Financial/Check 'n Go, supports House Bill 2191</strong></p> <p><strong>INTRODUCTION – </strong>Thank you and good morning Mr. Chairman, my name is John Rabenold and I am here in support of House Bill 2191, a bill to regulate short-term loans.  If I can leave you with one fact, consumers will be better off, not worse off, with a regulated form of short-term credit. </p> <p>I am employed by Axcess Financial Services, a company based in Cincinnati, Ohio, and, among other things, we own and operate retail storefronts that go by the name of Check ‘n Go.  I’ll be both brief and specific.</p> <p>I believe that we can meet the demand for a product at a lower price with better services than currently available to Pennsylvania consumers.  From my perspective, that is the essence of HB2191.  The bill will force prices down and the drive up the quality of service for short-term loans and their customers.  We hope to invest in Pennsylvania, hire workers and serve customers in a fair and responsible way.</p> <p><strong>FEES - </strong>The short-term loan industry resulted when traditional financial institutions did two things.  One, they moved away from convenient signature loans.  And second and more importantly, they began to rely on the non-interest income, or fees.  Fees are at historic highs.  <strong /></p> <p>Merchants, utilities and government agencies soon followed suit and I think everyone knows about the $40 cup of coffee. </p> <p>We have demonstrated that bouncing a check is not as cheap as it used to be.  According to a recent <span style="text-decoration: underline;">Time</span> article, banks earned $31.6 BILLION in one year in overdraft and returned check fees.  When considering that credit unions do the same, and check recipients assess fees too, the $31.6 BILLION only increases.  Add treble damages, hits on credit ratings, repossessions, evictions, foreclosures, etc, the costs escalate.  Given that Pennsylvanians represent 4% of the US, it is estimated that they spend roughly $1.264 BILLION on the returned check fees.</p> <p>Consumers seek alternatives.    </p> <p><strong>ON-LINE - </strong>I know customers go on-line.  We’ve presented information that shows unlicensed, unregulated lenders actively solicit Pennsylvanians, representing 6-8% of their customer base.  These companies are based in Costa Rica, <a href="http://www.mypaydayloan.com/">www.mypaydayloan.com</a>, the Chippewa Cree Nation in Montana, www.plain greenloans.com, and elsewhere.</p> <table cellpadding="0" cellspacing="0" width="100%"> <tbody> <tr> <td> <div> <p> “<strong>While some lenders purport to be state-licensed and to comply with state rate caps and loan terms, many online lenders claim choice of law from states with no rate caps or from foreign countries. A growing number of online lenders claim to be exempt from state law enforcement due to tribal sovereign immunity.”</strong></p> <p>-Consumer Federation of America, August, 2011</p> </div> </td> </tr> </tbody> </table> <p><strong>BORDER CROSSING - </strong>I know customers go to Ohio and Delaware.  We are regulated lenders in Ohio and Delaware, we service Pennsylvanians every day without complaint.</p> <p><strong>STAY IN PA - </strong>I know customers will come to stores we open under this statute, because regardless of the 419% hype, consumers will know that they can obtain credit at a better price and at better terms than they can otherwise obtain in the market.  Its that simple.</p> <p><strong>APR - </strong>We can talk about APR, but alone, its misleading and those clamoring 419% want you to be misled.  APR needs another APR, otherwise, its just a number.  When you compare the short-term loans with their alternatives, as our customers do, the APR is not as important as some would like you to think.</p> <table cellpadding="0" cellspacing="0" width="100%"> <tbody> <tr> <td> <div> <p><strong>“Any time annual percentage rate is calculated for a term less than a year, the inclusion of a fixed fee, even a modest one, will distort and overstate the APR.  The shorter the repayment period, the greater the APR will appear in instances where there is a fixed fee.  This means that the sooner the consumer repays, the greater the calculated APR – a difficult concept to explain to consumers, as it appears that paying earlier actually increases the cost of credit.”</strong></p> <p><strong>– Kenneth J. Clayton, the American Bankers Association</strong></p> <p> </p> </div> </td> </tr> </tbody> </table> <p>Regardless of the APR, consumers compare the alternatives with the information available to them and will seek the option that is less expensive or more convenient or both.</p> <p><strong>CYCLE OF DEBT - </strong>HB2191 is a cure for the so-called cycle of debt.  Any customer who uses a short-term loan MUST enter into and exit out of a debt-free period when they are <strong><span style="text-decoration: underline;">debt-free</span></strong> if they want to use a short-term loan again.</p> <p>HB2191 requires customers to be debt-free of the short-term loan if they want to return to that lender.</p> <p>This is the cycle of debt for a customer.  Enter into an agreement.  Get out of the agreement.  And stay out of another agreement for a period of time.  Compared to the environment in which consumers operate today, I do not understand how a consumer advocate can tell you that the status quo is preferred to HB2191.</p> <p><strong>CONCLUSION - </strong>HB2191 provides cheaper credit and prevents the cycle of debt from happening.  HB2191 will also do the following:</p> <ul> <li>Create 2,000 to 3,000 jobs that pay competitive wages and provides for health care coverage for employees and their families.</li> <li>Generate $150,000,000 in economic spending and another $150,000,000 in credit for consumers to use as they best determine.</li> <li>Fund up from $5,000,000 to $10,000,000 in new revenue to fund government oversight, compliance verification and consumer credit counseling and financial literacy services.</li> </ul> <p>HB2191 if enacted will create an economic opportunity for thousands of Pennsylvanians, save consumers money and drive time, provide the best services at one of the lowest prices in the country.</p> <p>HB2191 is a model for fair and responsible lending policy.</p> <p>I hope to be your constituent. </p> <p>Thank you, Mr. Chairman, I’m certainly willing to respond to any questions, comments or concerns.</p> <p style="text-align: center;"><strong>Kerry Smith, Community Legal Services, opposes House Bill 2191</strong></p> <p style="text-align: left;">Chairman Godshall, Democratic Chairman Preston, and members of the Committee, thank you for holding this hearing and inviting me to speak about payday lending and our opposition to HB 2191, a bill that would codify the harms of payday lending in Pennsylvania.</p> <p style="text-align: left;">Community Legal Services, Inc. ("CLS") provides free civil legal assistance to low-income Philadelphia residents.  Throughout its history, CLS has committed substantial resources to protecting consumers from exploitation in the credit marketplace.  We have filed affirmative lawsuits against predatory lenders, and provided assistance and representation to victimized borrowers.</p> <p>In my role as a Staff Attorney in the Homeownership and Consumer Law Unit at CLS, I have seen the significant negative effect that payday loans have on low- and moderate-income borrowers.  Today I will share with you what we've learned about how predatory loans entrap borrowers in a long-term cycle of debt and how Pennsylvania law already effectively regulates these loans whether offered online or not.  I also will discuss how provisions similar to those in HB 2191 have failed to stop the payday loan cycle. In short, HB 2191 worsens the very problem it claims to solve.</p> <p>HB 2191 Creates a Payday Loan Debt Trap</p> <p>Payday loans are marketed as short-term, two-week loans for an occasional unexpected expense.  The industry says that the borrower simply takes out a loan with high fees and interest, pays it back with their next paycheck, and walks away.  Unfortunately, payday lending very rarely works this way.  In fact, it only works this way about 2% of the time. </p> <p>The reality is: payday loans are an abusive form of lending that traps financially vulnerable borrowers into a long-term cycle of debt.  As allowed under HB 2191, the loan product itself is structured to create repetitive borrowing.  A payday loan requires a single balloon payment of principal and triple-digit interest rates over a very short period of time.  The loan is secured by direct access to a borrower's bank account, either by post-dated check or electronic debit-which means the payday lender always gets paid back first, before the mortgage company or landlord, before the electric company, and before the childcare provider or any other creditor.  As a result of this loan structure, the typical borrower is unable to pay it back and still have enough money to cover their regular expenses until the next payday.  Borrowers then have to quickly re-borrow against their future income just to make it to the end of the month, at which point they'll face the same financial crisis all over again.  This is the debt trap cycle, and HB 2191 codifies all of the toxic terms of the payday product into state law, allowing them to be made in store and over the internet to Pennsylvania residents. </p> <p>Pennsylvania Laws Already Prevent the Payday Loan Debt Trap</p> <p>Pennsylvania has reasonably regulated small loans for more than a century.  HB 2191 would gut the long-standing statutes that limit annual interest rates on small loans to 6% for unlicensed lenders and to about 24% APR for lenders licensed by the Banking Department.  The Commonwealth's Supreme Court, Attorney General, and Banking Department, have continuously upheld the state's existing small loan loans.</p> <p>Pennsylvania's laws have withstood numerous attempts by payday lenders to evade consumer protections.  Time and again, the courts have held that the purpose of the Commonwealth's usury laws is "to protect the citizenry of this Commonwealth from being exploited at the hands of unscrupulous individuals seeking to circumvent the law at the expense of unsuspecting borrowers."</p> <p>The out-of-state payday lenders pushing HB 2191 are notorious for attempting to evade Pennsylvania's strong usury law.  These same payday lenders have attempted to circumvent existing law by offering illegal payday loans over the Internet, disguising loans as open lines of credit, and packing exorbitant fees into the cost of the loan. However, contrary to what the industry wants you to believe, this state and its courts have been very effective at keeping these illegal practices and loans out of Pennsylvania.  Most recently, the Pennsylvania Supreme Court unanimously held that the state's usury laws prohibit Internet payday lending at rates above those allowed.  </p> <p>Cash America, one of the main proponents of HB 2191 and the payday lender at the center of the Supreme Court ruling, offered Internet-based payday loans at interest rates that ranged from 260% APR for a 35-day loan to 1140% APR for an eight-day loan.   The Court made clear that the laws apply to all lenders offering small loans, explaining that, "We... reject Cash America's attempt to avoid licensure, regulation and limits on the rates it may charge simply by operating over the Internet rather than being physically present in the Commonwealth.  If an out-of-state lender is engaging in business in Pennsylvania of making [small loans]..., then it is subject to the licensing requirements and regulatory restrictions of [our small-loan law]."  </p> <p>The payday lenders pushing this bill also suggest that HB2191 is needed to protect Pennsylvania residents against illegal Internet payday lenders partnering with Native American tribes.  That is not so - state law already regulates Internet lending and state and federal regulators are fighting against any illegal practices.  In the last year, the Federal Trade Commission has brought several lawsuits against payday lenders that are affiliating with Native American tribes to offer payday loans on the Internet.  At least five states are currently in court to enforce state rate caps and other consumer protection laws against Internet lenders claiming tribal immunity, and the Consumer Financial Protection Bureau is also looking into the practice.  In short, HB 2191 is not needed to protect Pennsylvania residents against this practice - current law is effective at protecting the state against illegal online payday lending.</p> <p>Because payday loans are already effectively regulated, Pennsylvania consumers are protected from falling into the debt trap caused by payday loans.  In the rare case when we have represented clients dealing with the effects of payday loans, whether obtained online or in another state, resolution of those issues has been relatively easy and straightforward because of our existing law.  HB 2191 would increase prevalence of the harms caused by payday loans, and make them nearly impossible to resolve.</p> <p>Provisions of HB 2191 Do Not Protect Consumers </p> <p>In states with laws like HB 2191, the payday loan debt trap is the norm, not the exception.  Provisions limiting rollovers, providing a one day "cooling off period", and extended repayment plan do not work to stop the cycle of debt as proponents of the bill would have you believe.  For example, in Florida, which has a many of the same provisions included in HB 2191 already on the books, data from the state regulator show borrowers are stuck in an average of 9 loans per year, and payday lenders earn 60% of revenue from borrowers with 12 or more loans per year.   Data from Florida and other states with similar laws show that 76% of payday lender business is due to repeat borrowers.  </p> <p>Payday supporters claim that "rollover bans" stop the cycle of debt. Data shows they do not. In Oklahoma and Florida, both states with cooling off periods and renewal bans, about half of re-opened loans in those states were taken out at the borrower's first opportunity, and almost 90% of new loans were made during the same pay period as the previous loan was paid off.   Despite these provisions, borrowers remain indebted for more than 200 days in a single year. </p> <p>Similarly, extended repayment plans have provided little effective relief for borrowers for various reasons.  Significantly, states that collect data on repayment plan usage report that less than 3% of eligible transactions actually use the extended repayment plan option.</p> <p>It is clear that the payday loan debt trap is not mitigated by the provisions of HB 2191 because at its core the bill legalizes a product that by its very design creates the debt trap.</p> <p>HB 2191 Extends, Not Solves, Families' Financial Crisis</p> <p>Finally, I would like to point out that payday loans put borrowers already living paycheck-to-paycheck in a worse financial situation than they were in before taking out a loan.  Research shows that borrowers approved for a payday loan are 90% more likely to file bankruptcy than those denied a loan. Payday loans also increase the chances that a household will experience financial hardship, have difficulty paying bills, and delay medical care.  </p> <p>Contrary to what the industry says, payday loans are not better than overdraft fees or bounced check fees.  Both products are predatory products.  In fact, payday loans increase the burden of overdraft and bounced check fees on families because the loan is secured by access to a borrower's checking account.  Every year, payday lenders collect millions of dollars of bounced check fees from their own customers,  and research has shown that payday lending increases the odds that households ultimately lose their checking accounts due to repeated overdrafts.  These are very real consequences under HB 2191, as the bill allows for electronic debit authorization and automatic repayment of the payday loan to out-of-state and internet payday lenders.   </p> <p>These concerns are not hypothetical.  In 2006, the U.S. Department of Defense examined the impact of payday loans on soldiers. After an in-depth study, they found that financial devastation was so great that it threatened soldiers' military readiness, and ultimately national security. As such, President George Bush signed a law prohibiting the very loans that HB 2191 seeks to bring to Pennsylvania to be made to soldiers and their families.  If these loans were found to be so harmful to our soldiers, then the same would be expected for those in much more vulnerable situations, such as seniors on fixed income.</p> <p>Conclusion</p> <p>While payday loans are marketed as a quick loan to address financial shortfalls between paychecks, they typically end up trapping borrowers in a cycle of long-term debt.  Because payday loans are offered at triple-digit annual interest rates, with the entire amount due in two short weeks, borrowers who pay back their loan are often unable to meet their other obligations without taking out a new payday loan during the same pay period.  This is the start of the debt trap, which can leave borrowers indebted to payday lenders for several months or years.  HB 2191 codifies the debt trap design of payday loans, putting the financial well-being of Pennsylvania low- and moderate-income families, my clients, at risk. </p> <p>For these reasons, CLS and a growing coalition representing hundreds of consumers from across the state are opposed to HB 2191.  I have attached to my testimony a letter to the Committee from a diverse coalition of stakeholders who are deeply concerned about the harms of legalizing abusive payday lending.  We urge you to oppose the bill and keep predatory payday loans out of Pennsylvania.</p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1f0bdc50/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=The+lowdown+on+payday+loans&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fthe-lowdown-on-payday-loans-.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=The+lowdown+on+payday+loans&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fthe-lowdown-on-payday-loans-.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/133515260307/u/49/f/623011/c/34254/s/1f0bdc50/a2.htm"><img src="http://da.feedsportal.com/r/133515260307/u/49/f/623011/c/34254/s/1f0bdc50/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/133515260307/u/49/f/623011/c/34254/s/1f0bdc50/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/OoambKfveXVJuo4ZSpgjtmUyYmE/0/da"><img src="http://feedads.g.doubleclick.net/~a/OoambKfveXVJuo4ZSpgjtmUyYmE/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/OoambKfveXVJuo4ZSpgjtmUyYmE/1/da"><img src="http://feedads.g.doubleclick.net/~a/OoambKfveXVJuo4ZSpgjtmUyYmE/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Payday loans may be returning to Pennsylvania</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1efacb8f/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Cpayday0Eloans0Emay0Ebe0Ereturning0Eto0Epennsylvania0Bhtml/story01.htm</link><description>I attended a legislative hearing this morning in Harrisburg, and it looks like there is support to legalize payday lending in Pennsylvania. Payday loans technically aren't illegal now. But you don't see corner stores offering them because state law limits...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1efacb8f/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Payday+loans+may+be+returning+to+Pennsylvania&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fpayday-loans-may-be-returning-to-pennsylvania.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Payday+loans+may+be+returning+to+Pennsylvania&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fpayday-loans-may-be-returning-to-pennsylvania.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/133515178287/u/49/f/623011/c/34254/s/1efacb8f/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/133515178287/u/49/f/623011/c/34254/s/1efacb8f/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/133515178287/u/49/f/623011/c/34254/s/1efacb8f/a2t.img" border="0"/&gt;</description><pubDate>Thu, 03 May 2012 19:30:17 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef01676614415d970b</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0168eb1678eb970c-pi" style="float: left;"><img alt="Harrisburg Capitol" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef0168eb1678eb970c image-full" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0168eb1678eb970c-800wi" style="margin: 0px 5px 5px 0px;" title="Harrisburg Capitol" /></a>I attended a legislative hearing this morning in Harrisburg, and it looks like there is support to legalize payday lending in Pennsylvania.</p> <p>Payday loans technically aren't illegal now. But you don't see corner stores offering them because state law limits the annual interest rate on small loans to about 24 percent, and that's just not profitable enough for payday lenders to operate here. Payday loans often exceed 200 or 300 percent interest when calculated as an APR.</p> <p>Some out-of-state lenders do make loans to Pennsylvania residents online illegally, though, and that's what I'm told is driving <a href="http://www.legis.state.pa.us/cfdocs/legis/PN/Public/btCheck.cfm?txtType=HTM&amp;sessYr=2011&amp;sessInd=0&amp;billBody=H&amp;billTyp=B&amp;billNbr=2191&amp;pn=3216" target="_self">House Bill 2191</a>. Rep. Chris Ross of Chester County says his bill is necessary to regulate the industry and <a href="http://www.legis.state.pa.us/WU01/LI/CSM/2011/0/9354.pdf" target="_self">stop illegal loans from happening</a>.</p> <p>Critics testified today that the loans are <a href="http://www.stoppaydayloanspa.com/" target="_self">too costly and trap borrowers in a cycle of debt </a>they can't escape. They said there is no need to allow the loans to occur largescale in a regulated fashion just to stop a few rogue lenders. Supporters testified there are protections in the bill to prevent people from being stuck in debt.</p> <p>Look for more on the debate in my <a href="http://www.mcall.com/watchdog" target="_self">Watchdog column </a>this Sunday. The column will note something I observed this morning that makes me think this bill isn't really about protecting consumers from illegal payday loans. It's about something else. But you'll have to wait until Sunday to find out what. </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1efacb8f/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Payday+loans+may+be+returning+to+Pennsylvania&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fpayday-loans-may-be-returning-to-pennsylvania.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Payday+loans+may+be+returning+to+Pennsylvania&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fpayday-loans-may-be-returning-to-pennsylvania.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/133515178287/u/49/f/623011/c/34254/s/1efacb8f/a2.htm"><img src="http://da.feedsportal.com/r/133515178287/u/49/f/623011/c/34254/s/1efacb8f/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/133515178287/u/49/f/623011/c/34254/s/1efacb8f/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/BF7I00-npadJhS5GpOvmYfqE1WI/0/da"><img src="http://feedads.g.doubleclick.net/~a/BF7I00-npadJhS5GpOvmYfqE1WI/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/BF7I00-npadJhS5GpOvmYfqE1WI/1/da"><img src="http://feedads.g.doubleclick.net/~a/BF7I00-npadJhS5GpOvmYfqE1WI/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Which restaurants cited for roaches, fruit flies, mouse droppings in recent food safety inspections?</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1eeeaf51/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Cwhich0Erestaurants0Ecited0Efor0Eroaches0Efruit0Eflies0Emouse0Edroppings0Ein0Erecent0Efood0Esafety0Einspections0Bhtml/story01.htm</link><description>These restaurants, stores and other food establishments failed food safety inspections from April 10 to April 24. Here's what inspectors found, according to their reports: YE OLD LIMEPORT INN 1505 Limeport Pike, PO Box 182, Limeport April 24, 2012 Lack...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1eeeaf51/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Which+restaurants+cited+for+roaches%2C+fruit+flies%2C+mouse+droppings+in+recent+food+safety+inspections%3F&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwhich-restaurants-cited-for-roaches-fruit-flies-mouse-droppings-in-recent-food-safety-inspections.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Which+restaurants+cited+for+roaches%2C+fruit+flies%2C+mouse+droppings+in+recent+food+safety+inspections%3F&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwhich-restaurants-cited-for-roaches-fruit-flies-mouse-droppings-in-recent-food-safety-inspections.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/133515115104/u/49/f/623011/c/34254/s/1eeeaf51/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/133515115104/u/49/f/623011/c/34254/s/1eeeaf51/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/133515115104/u/49/f/623011/c/34254/s/1eeeaf51/a2t.img" border="0"/&gt;</description><pubDate>Wed, 02 May 2012 13:16:52 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef016765fb05ba970b</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Allentown</dc:subject><dc:subject>Bethlehem</dc:subject><dc:subject>Current Affairs</dc:subject><dc:subject>Easton</dc:subject><dc:subject>Food and Drink</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Poor Service</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Web/Tech</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p>These restaurants, stores and other food establishments failed food safety inspections from April 10 to April 24. Here's what inspectors found, according to their reports:</p> <p style="text-align: center;"><strong>YE OLD LIMEPORT INN </strong></p> <p style="text-align: center;"><strong>1505 Limeport Pike, PO Box 182, Limeport</strong></p> <p style="text-align: center;"><strong>April 24, 2012</strong></p> <p style="text-align: left;">Lack of active managerial control regarding proper cooling practices, prevention of bare hand contact, cleaning and sanitizing food contact surfaces on a regular frequent basis to prevent product accumulation.</p> <p style="text-align: left;">Open glass container of water in kitchen prep line over bain marie on the east side of the line.</p> <p>One male employee observed cutting fresh leafy green with bare hands ALSO with a wound (covered with ace type bandage on left hand) with direct bare hand contact . During interview, it was determined that the greens are to be placed into a oil for a drizzle with no further heat processing Observation made at 1:23PM.</p> <p>Easily observable product build up on the Globe slicer model #1812 in the basement food prep Area</p> <p>There is an easily observable accumulation of black mold and mildew on the interior of the ice bin. The Follett Ice builder Model# B050HA3 shows an accumulation of encrusted scale, black mold and some pink algal like growth on under the water curtain and ice matrix. The Ice builder is in the basement.</p> <p>Upon entry to this firm sauce previously cooked placed in deep covered plastic containers (in excess of 5/1/2 " deep) and placed in reach in cooler with internal temperature of 76*F. During observation of tomato sauce processing this date,, product was placed in deep open plastic containers (&gt;6" in depth) with internal temperature ranging from 68-73*F and without an ice bath] or other means to cool (based on limited refii8geration capacity in upstairs kitchen) being staged to place in reach in coolers.</p> <p>Pre sliced Ready to Eat (RTE) meats (turkey breast, ham, beef), sliced cheeses , dressing, etc observed in both basement walk in cooler and reach in refrigeration units in the main kitchen lack any date coding.</p> <p>During menu review this date, the firm is selling steamed mussels and offering beef steaks that MAY be cooked to order. The current menu has no consumer advisory or reminder statements. NOR is there an indication that all foods are cooked to an internal temperature that will prevent possible microbiological contamination. during consumption.</p> <p>At least 5 gallons of liquid chemical detergents commingled with other food and beverage products in the wine cellar in the basement.</p> <p>Atomizer bottles of unlabeled liquid contents observed in kitchen, and bar</p> <p>Firm can not locate the current water test.</p> <p>Multi use wiping cloths not stored in chemical sanitizing solution when not in immediate use.</p> <p>Spilled food material under the hot line in various areas.</p> <p>There is a two deck Baker' s Pride oven in the basement pizza prep area. The ceiling tiles or covering over the oven access area have been removed for addition of new BX electrical cables. The open rafters, other electrical conduit are exposed.</p> <p>Light tubes in the basement pizza prep area are not shielded over oven access.</p> <p style="text-align: center;"><strong>CHINA KING </strong></p> <p style="text-align: center;"><strong>3033 W. Emaus Ave., Allentown</strong></p> <p style="text-align: center;"><strong>April 23, 2012</strong></p> <p style="text-align: left;">There was raw chicken stored over the sauces in the walk-in cooler. Store raw meats separate and restricted from other foods by placing them on the bottom shelf.</p> <p style="text-align: left;">An individual was observed not using a sanitizing step at the 3-bay sink. After being washed, utensils must be rinsed, sanitized, and then air dried.</p> <p>Mouse droppings were observed in the dry storage room. Clean up these mouse droppings. Eliminate pests from the facility. Provide proof of a contract with an exterminator for monthly extermination services to the Allentown Bureau of Health at re-inspection.</p> <p>Food was observed thawing in one compartment of the 3-bay sink while an individual was observed washing a pot in another compartment of the 3-bay sink. Do not use the sink for both food preparation and warewashing at the same time. If the sink is going to be used for both food preparation and warewashing, the sink must be cleaned and sanitized before and after each change of use.</p> <p>The facility is using take-out containers stored in the bulk ingredients to dispense the bulk ingredients. Only scoops with handles may be stored in the bulk ingredients, and the handle of the scoop must remain above the top of the product.</p> <p>The mop sink is leaking. Repair the mop sink.</p> <p>There is food debris, such as rice, on the floor and the shelves of the dry storage room. Thoroughly clean this room.</p> <p><strong>NOTE: Now in compliance after passing follow-up inspection on April 30, 2012 </strong></p> <p style="text-align: center;"> <strong>SOGO FUSION </strong></p> <p style="text-align: center;"><strong>237 Northampton St., Easton</strong></p> <p style="text-align: center;"><strong>April 20, 2012</strong><em /></p> <p style="text-align: left;">The Person in Charge does not have adequate knowledge of food safety in this food facility as evidenced by this non-compliant inspection. Assure that at least one employee obtains the food employee certification and teaches the entire staff what he or she learns in the class.</p> <p style="text-align: left;">Food Employee observed donning single use gloves without a prior hand wash. Instruct employees to wash their hands with soap and water prior to donning gloves.</p> <p>Food employees were observed cutting ready-to-eat vegetables and they were handling the vegetables with their bare hands. Instruct employees to wear gloves while working with ready-to-eat foods.</p> <p>Food Facility Person in Charge not able to produce records showing that raw or partially cooked ready to eat fish has been frozen by the facility or approved supplier as required, before use. Contact your supplier and have them supply proof that the fish used in this facility has been frozen for the required amount of time according to the food code.</p> <p>Raw shell eggs and raw chicken were stored on a shelf above ready-to-eat vegetables in the walk-in cooler. Separate raw meats from ready-to eat foods by placing the raw food on separate shelving or on shelving below ready-to-eat foods.</p> <p>There is an accumulation of soda syrup and grime in both bar guns at the bar. Clean and sanitize both bar guns.</p> <p>Sushi fish was placed in a small refrigerated display case just prior to our arrival and the fish had temperatures of 50F. Remove the fish from this display case and place it into another refrigerator immediately. Monitor food temperatures to ensure that they remain at or below 41F at all times. Fish was moved.</p> <p>Tofu was stored in the top of a refrigerated prep unit and it had an internal temperature of 58F. Discard the tofu immediately. Cold hold all food at temperatures of 41F or less at all times. Tofu was discarded.</p> <p>Food items including sushi are served raw or under cooked to the customer's request, however, a written consumer advisory is not printed on the menus or in view of customers. Place the consumer advisory statement on your menus and at the sushi bar.</p> <p>The sushi display cooler is not capable of maintaining food at temperatures of 41F or below at all times. Repair this refrigerator immediately and do not store any potentially hazardous food in this case until after it has been repaired.</p> <p>Raw fish was observed thawing at room temperature in the sushi prep area, which is not an approved thawing method. Thaw fish under refrigeration temperatures of 41F or less or under cold (less than 70F) running water. Correct method immediately.</p> <p>Accurate refrigeration thermometers could not be located in any of the refrigerators. Supply all refrigerators with accurate refrigeration thermometers and monitor the ambient air temperatures in the refrigerators.</p> <p>Bags of rice, flour and onions were observed stored on the floors in the dry storage room and basement. Remove all food from the floor immediately and store all food at least six inches above the floor at all times.</p> <p>Food utensils in kitchen were stored in a container of water which is not maintained at 135°F. Remove the whisk and spoon from the water and clean and sanitize them immediately. Store the utensils in a clean and dry condition or in hot water with a temperature of at least 135F.</p> <p>Plastic food storage containers are being used to remove rice, flour and sugar from their bulk containers and they are stored in direct contact with the food. Purchase scoops with handles and store the scoops in the food with their handles above the food..</p> <p>A door gasket is torn on the True refrigerator. Replace the torn door gasket.</p> <p>The sides of the fryers and the wok table and gas line for the wok table require cleaning to remove excess grease. Clean the surfaces listed and maintain them in a clean condition.</p> <p>The floor in the dry storage room, the basement floor, the floor under the cooking equipment and the floor in the walk-in cooler require cleaning to remove dust, food debris and/or grease. Clean all floors listed and maintain them in a clean condition at all times.</p> <p>A food employee certification is not posted in this facility and no one could prove that an employee was certified. Assure that at least one employee obtains the certification within ninety days.</p> <p style="text-align: center;"><strong>SANDWICHERA EL PUNTO </strong></p> <p style="text-align: center;"><strong>410 W. Tilghman St., Allentown</strong></p> <p style="text-align: center;"><strong>April 18, 2012</strong></p> <p style="text-align: left;">The handwashing sinks in the front food prep area and in the back food prep area do not have soap. Supply these sinks with soap and paper towels.</p> <p style="text-align: left;">Food in the baine marie and in the refrigerator below it was not maintaining temperatures at or below 41 degrees F. Beef with an internal temperature of 47 degrees F, chicken with an internal temperature of 46 degrees F, cheese with an internal temperature of 46, ham with an internal temperature of 47 degrees F and turkey with an internal temperature of 48 degrees F were recorded in the unit. Discard all food in this unit and do place potentially hazardous food in the unit until it is capable of maintaining food temperatures at or below 41 degrees F. All food was discarded onsite.</p> <p>The baine marie and the below refrigerator are not capable of maintaining food temperatures at or below 41 degrees F. Have this unit serviced and do not use it until it can maintain food temperatures at or below 41 degrees F.</p> <p>Fruit flies were observed in the back prep room around the sink and the chicken oven. Remove all food debris and clean and sanitize these areas.</p> <p>Employees preparing food were not wearing hats or hair restraints. Employees must wear hats or hair restraints when preparing food.</p> <p>Table in the prep room, the floor under the grill, the lids of the bread containers, the wall behind the 3 bay sink in the prep room and the chicken oven, along with its surrounding area, in the back prep room had a build up of food residue and spillage. Clean these areas.</p> <p>Bags of trash were observed on the floor in the back prep room. Trash must be stored in closed containers.</p> <p style="text-align: center;"><strong>ANTILLANA SUPERMARKET, LLC </strong></p> <p style="text-align: center;"><strong>1360 Pembroke Road, Bethlehem</strong></p> <p style="text-align: center;"><strong>April 17, 2012</strong></p> <p style="text-align: left;">Delivery doors located on the south side of the building (near the milk cooler) of the food facility have gaps and do not protect against the entry of insects, rodents, and other animals.</p> <p style="text-align: left;">Liquid is leaking from the meat walk-in cooler to the parking lot outside, attracting insects</p> <p>Wood blocks supporting the slicer table in the food prep area, are not smooth and non-absorbent.</p> <p>Floor in the meat walk-in cooler is in poor repair.</p> <p style="text-align: center;"><strong>EL MERCADITO MEX </strong></p> <p style="text-align: center;"><strong>142 N 7<sup>th</sup> St., Allentown</strong></p> <p style="text-align: center;"><strong>April 16, 2012</strong></p> <p style="text-align: left;">PediaSure and Gerber baby formula were on display for sale with expired "Use By" dates of 12 -Apr-12 and13-Mar-12. Discard the baby formula and PediaSure immediately. Monitor code dates and remove all food with expired dates from sale.</p> <p style="text-align: left;">Food being cold held in a deli case and in two separate open air display coolers had internal temperatures above 41F. Discard all potentially hazardous food which is stored in these cases immediately. Cold hold all food at temperatures of 41F or less at all times. Food was discarded.</p> <p>The deli case and two open air display cases are not capable of maintaining food at temperatures of 41F or below. Repair the deli case and two open air cases so that they function correctly. Do not store any potentially hazardous food in these cases until after they have been repaired.</p> <p><strong>NOTE: Now in compliance after passing follow-up inspection on April 24, 2012 </strong></p> <p style="text-align: center;"><strong>FISK FIELD FOOD STAND </strong></p> <p style="text-align: center;"><strong>1701 Wood Ave., Wilson</strong></p> <p style="text-align: center;"><strong>April 14, 2012</strong></p> <p style="text-align: left;">Food employees observed in food preparation area, not wearing proper hair restraints, such as nets or hats. Correct immediately</p> <p style="text-align: left;">Food facility grill and fryer area needs mechanical ventilation and fire suppression systems. Grease and heat generating equipment cannot be used until an approved system is installed</p> <p style="text-align: center;"><strong>MIKE'S STEAK SHOP RESTAURANT </strong></p> <p style="text-align: center;"><strong>1236 Northampton St., Easton</strong></p> <p style="text-align: center;"><strong>April 14, 2012</strong></p> <p style="text-align: left;">The person in charge could not provide proof that he obtained a food employee certification. Obtain the certification to assure that you are knowledgeable in food safety.</p> <p style="text-align: left;">A piece of plywood has been placed in a refrigerator as a shelf. Remove the wood and use plastic or metal as a shelf.</p> <p>The floor under and around the three bay sink is in poor condition with cracked and missing floor tiles. Repair this floor.</p> <p>Food facility operator failed to post an original, valid PDA Food Employee Certification in a location conspicuous to the consumer and could not prove that the certification had been obtained. Assure that at least one employee obtains the certification within thirty days.</p> <p style="text-align: center;"><strong>DOMINO'S PIZZA </strong></p> <p style="text-align: center;"><strong>330 Larry Holmes Dr., Easton</strong></p> <p style="text-align: center;"><strong>April 14, 2012</strong></p> <p style="text-align: left;">This facility does not have an employee who holds a food employee certification and therefore there is not adequate knowledge of food safety. Assure that at least one employee obtains the food employee certification within thirty days.</p> <p style="text-align: left;">No sign or poster posted at the handwash sink in the employee restroom to remind food employees to wash their hands. Place a sign at the hand sink.</p> <p>This facility does not have an employee who holds a food employee certification. Assure the at least one employee enrolls in a class in food safety and obtains the certification within thirty days.</p> <p style="text-align: center;"><strong>PLAYDROME ROSE BOWL </strong></p> <p style="text-align: center;"><strong>801 N. 15<sup>th</sup> St., Allentown</strong></p> <p style="text-align: center;"><strong>April 11, 2012</strong></p> <p>There are gaps between the exterior doors of this facility. Secure the gaps to prevent the entrance of insects and rodents. Owner states maintenance is scheduled to make major repairs to the doors.</p> <p>Mouse droppings were observed on the floors in the snack bar and in the adjacent dry storage room. Owner states that Orkin was notified. All of the holes have been secured. Remove all rodents from this facility.</p> <p>The floors in the snack bar and adjacent dry storage room require cleaning to remove mouse droppings. Clean the floors and continue to monitor these areas for mice activity.</p> <p>This facility does not have an employee who holds a valid food employee certification. Owner states the snack bar manager is enrolled in a class scheduled to begin April 30, 2012. Post the certification on the wall with your food establishment license upon completion of the course.</p> <p style="text-align: center;"><strong>NSA SUPERMARKET </strong></p> <p style="text-align: center;"><strong>1587 Lehigh St., Allentown</strong></p> <p style="text-align: center;"><strong>April 11, 2012</strong></p> <p style="text-align: left;">After being asked to remove some boxes containing blood from in front of the hand sink, the meat room employee was reminded to wash her hands. Instead of washing her hands, the employee merely put another pair of gloves on. Hands must be washed whenever changing tasks and/or putting on new gloves.</p> <p style="text-align: left;">There was a cart and a pile of boxes in front of the hand sink in the meat room. This sink must be accessible at all times for employee hand washing.</p> <p>There were no paper towels at the hand sinks in the deli, the meat room, or the produce preparation room. Provide paper towels at these locations at all times.</p> <p>The back-up slicer at the deli has an accumulation of food debris on it. Clean and sanitize the slicer.</p> <p>There is no quat sanitizing solution at either of the automatic dispensing systems at the two the 3-bay sinks in the facility. Order new quat sanitizing solution. Until the new product arrives, chlorine (bleach) must be used at the sinks as a sanitizer.</p> <p>There were salted mackerel and salted pig tails in the facility at 52 and 54 degrees F;respectively. The items were not under refrigeration. All potentially hazardous foods must be maintained in refrigeration at or below 41 degrees F. Salting a product does not render it a non-potentially hazardous. The food was discarded.</p> <p>There was an unlabeled bottle of a clear liquid in the meat room. Label all chemical bottles with their contents. As the product could not be identified, it was discarded along with the bottle containing it.</p> <p>Containers of food were observed stored on the floor of the walk-in freezer and in the produce preparation area. Store all containers of food elevated at least six inches.</p> <p>The meat trays were observed stored on the floor. Store the meat trays elevated at least six inches.</p> <p>There is no hot water in the deli area. Repair the hot water to the deli area.</p> <p>The dumpster lid is severely damaged and does not properly cover the dumpster. Get a new lid for the dumpster.</p> <p>Many of the floor tiles in the two aisles on the right hand side of the store are damaged. Replace the damaged floor tiles.</p> <p>This facility does not have an employee who holds a valid food employee certificate. Assure at least one employee obtains certification through one of the following: ServSafe, Prometric or National Registry for Food Safety Professionals.</p> <p><strong>NOTE:</strong> <strong>Now in compliance after passing follow-up inspection on April 18, 2012</strong></p> <p style="text-align: center;"><strong>NEW GREAT WALL RESTAURANT </strong></p> <p style="text-align: center;"><strong>1433 Allen St., Allentown </strong></p> <p style="text-align: center;"><strong>April 10, 2012</strong></p> <p style="text-align: left;"> A open bottle of water was observed in the kitchen. Drinking may only be done from lidded containers through a straw.</p> <p style="text-align: left;">The slicer and the meat grinder are dirty. Clean and sanitize all food contact surfaces in the facility.</p> <p>There were eggs rolls, fish, chicken, chicken, mushrooms, and shrimp in the walk-in cooler at internal temperatures of 48, 47, 53, 49, 50, and 50 degrees F; respectively. There was chicken and salad dressing in a Pepsi refrigerator in the kitchen at 46 and 45 degrees F respectively. All potentially hazardous foods intended for cold holding must be maintained at or below 41 degrees F at all times. The potentially hazardous foods in the walk-in and in the Pepsi refrigerator in the kitchen were ordered discarded.</p> <p>The walk-in cooler and the Pepsi refrigerator in the kitchen are not maintaining product temperature at or below 41 degrees F. These units must be repaired. Until they are repaired to maintain product temperature at or below 41 degrees F, no potentially hazardous foods may be stored in these units.</p> <p>Roaches were observed at the wok in the facility and behind some equipment in the facility. Pest must be controlled in the facility. Contact your exterminator and eliminate pests from the facility.</p> <p>Food was being thawed in one compartment at the 3-bay sink, while dishes were being washed in another compartment. The sink may only be used for one purpose at a time. If the sink is being used in food preparation, no dishes may be washed at the sink. The sink must be cleaned and sanitized before and after every change of use.</p> <p>Not enough water was entering the dipper well to removed the food debris from the well. The water must be on at a rate fast enough to flush to food debris from the well.</p> <p>A wok pan was found stored on the floor under the 3-bay sink. Store all clean utensils in a protected location.</p> <p>Raw wood is being used in the kitchen under one of the stainless steel tables to hold take out containers and bags and also to hold the knife sharpening block. Remove all raw woods from the food preparation areas of the food facility.</p> <p>The non food contact areas of the equipment in the kitchen, such as the fryers, tables, and ice machine are dirty. Clean and sanitize the non food contact surfaces of all the equipment in the facility.</p> <p>There is a leak in the drain line at the 3-bay sink. Repair this leak.</p> <p>There was a rusty knife and a rusty bowl found in the facility. Equipment which is no longer being used by the facility needs to be discarded.</p> <p>The floor throughout the facility are dirty. Clean the floors.</p> <p>The hood vents are dirty. Clean the hood vents.</p> <p><strong>NOTE:</strong> <strong>Now in compliance after passing follow-up inspection on April 17, 2012</strong></p> <p><strong>More about food safety inspections:</strong></p> <p>State, county and local inspectors routinely check conditions at restaurants, supermarkets, convenience stores, corner stores, school cafeterias and other places where food is sold or served.</p> <p>I am not passing judgment on these establishments, just presenting to you what already has been <a href="http://www.agriculture.state.pa.us/portal/server.pt/gateway/PTARGS_0_2_24476_10297_0_43/AgWebsite/Page.aspx?name=Food-Safety-Inspection-Results&amp;navid=31&amp;parentnavid=0&amp;pageid=50&amp;" target="_self">publicly published by the Pennsylvania Department of Agriculture</a>. The reports above are taken verbatim from that website, where you can find <a href="http://www.agriculture.state.pa.us/portal/server.pt/gateway/PTARGS_0_2_24476_10297_0_43/AgWebsite/ProgramDetail.aspx?name=Food-Safety-Inspection-Results&amp;navid=12&amp;parentnavid=0&amp;palid=54" target="_self">more information and historical reports</a>.</p> <p>Keep in mind that these reports are a snapshot in time. Many of the violations likely were corrected immediately. Many violations are minor, and even businesses that are considered to be compliant can have violations. A business can have a few violations and still be compliant, or have only one violation and be non-compliant. It all depends on the nature of the problem, but if a restaurant or store was determined to be out of compliance, that suggests the inspector found significant problems.</p> <p>You can check the inspection histories of non-compliant establishments to see if the problem appears to be a one-time event or a potentially long-standing issue.</p> <p>Violations are broken into two categories, according to the Department of Agriculture:</p> <p><strong>Foodborne Illness Risk Factors:</strong> These are the types of violations that can make someone ill if they are not corrected. Factors such as good worker hygiene, correct holding and storing temperatures for foods and making sure the food comes from approved sources are all critical for ensuring public health. If one of these violations is found, it must be corrected immediately or it will put the entire inspection out of compliance. The violation will still show up on the report if it is corrected immediately, but the restaurant will be considered in compliance. On the report, these violations are listed in red.</p> <p><strong>Good Retail Practices:</strong> These violations are also important for protecting public health, but have less potential to cause a significant foodborne illness. If a restaurant has one or two of these violations, they should be corrected immediately or a follow-up inspection will be required. It may or may not put the restaurant out of compliance, depending on the severity and the circumstances of the violation.</p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1eeeaf51/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Which+restaurants+cited+for+roaches%2C+fruit+flies%2C+mouse+droppings+in+recent+food+safety+inspections%3F&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwhich-restaurants-cited-for-roaches-fruit-flies-mouse-droppings-in-recent-food-safety-inspections.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Which+restaurants+cited+for+roaches%2C+fruit+flies%2C+mouse+droppings+in+recent+food+safety+inspections%3F&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwhich-restaurants-cited-for-roaches-fruit-flies-mouse-droppings-in-recent-food-safety-inspections.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/133515115104/u/49/f/623011/c/34254/s/1eeeaf51/a2.htm"><img src="http://da.feedsportal.com/r/133515115104/u/49/f/623011/c/34254/s/1eeeaf51/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/133515115104/u/49/f/623011/c/34254/s/1eeeaf51/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/LlFafyrpDjMH5ymQZya9fGJJ7_U/0/da"><img src="http://feedads.g.doubleclick.net/~a/LlFafyrpDjMH5ymQZya9fGJJ7_U/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/LlFafyrpDjMH5ymQZya9fGJJ7_U/1/da"><img src="http://feedads.g.doubleclick.net/~a/LlFafyrpDjMH5ymQZya9fGJJ7_U/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Who do you think got rich off these get-rich-quick offers?</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1ee88a88/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A50Cwho0Edo0Eyou0Ethink0Egot0Erich0Eoff0Ethese0Eget0Erich0Equick0Eoffers0Bhtml/story01.htm</link><description>The Federal Trade Commission says more than a million people were duped into believing marketing pitches with promises of easy money. Authorities announced Tuesday they won a judgment against the people behind the infomercials for: John Beck's Free &amp;amp; Clear...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1ee88a88/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Who+do+you+think+got+rich+off+these+get-rich-quick+offers%3F&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwho-do-you-think-got-rich-off-these-get-rich-quick-offers.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Who+do+you+think+got+rich+off+these+get-rich-quick+offers%3F&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwho-do-you-think-got-rich-off-these-get-rich-quick-offers.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/133515088360/u/49/f/623011/c/34254/s/1ee88a88/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/133515088360/u/49/f/623011/c/34254/s/1ee88a88/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/133515088360/u/49/f/623011/c/34254/s/1ee88a88/a2t.img" border="0"/&gt;</description><pubDate>Tue, 01 May 2012 20:57:57 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef016765fb7d5c970b</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Scams</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Web/Tech</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p>The Federal Trade Commission says more than a million people were duped into believing marketing pitches with promises of easy money.</p> <p>Authorities <a href="http://www.ftc.gov/opa/2012/05/johnbeck.shtm" target="_self">announced Tuesday </a>they won a <a href="http://www.ftc.gov/os/caselist/0723138/120501johnbeckorder.pdf" target="_self">judgment</a> against the people behind the infomercials for:</p> <p>John Beck's Free &amp; Clear Real Estate System</p> <p>John Alexander's Real Estate Riches in 14 Days</p> <p>Jeff Paul's Shortcuts to Internet Millions</p> <p>The FTC <a href="http://www.ftc.gov/os/caselist/0723138/090630mentoringofamericacmplt.pdf" target="_self">alleged the programs were deceptive</a> in promising to teach people how to make money buying homes at tax sales for pennies on the dollar and through other money-making opportunities.</p> <p>"In contrast to the infomercials' easy-money claims, the court found that less than one percent of consumers who purchased the systems made any profit whatsoever," the FTC said in a news release.</p> <p>This yet again proves that if something sounds too good to be true, it is. </p> <p> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1ee88a88/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Who+do+you+think+got+rich+off+these+get-rich-quick+offers%3F&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwho-do-you-think-got-rich-off-these-get-rich-quick-offers.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Who+do+you+think+got+rich+off+these+get-rich-quick+offers%3F&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F05%2Fwho-do-you-think-got-rich-off-these-get-rich-quick-offers.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/133515088360/u/49/f/623011/c/34254/s/1ee88a88/a2.htm"><img src="http://da.feedsportal.com/r/133515088360/u/49/f/623011/c/34254/s/1ee88a88/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/133515088360/u/49/f/623011/c/34254/s/1ee88a88/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/uV0IxuJjiWViRthfVWWyeoaS1ak/0/da"><img src="http://feedads.g.doubleclick.net/~a/uV0IxuJjiWViRthfVWWyeoaS1ak/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/uV0IxuJjiWViRthfVWWyeoaS1ak/1/da"><img src="http://feedads.g.doubleclick.net/~a/uV0IxuJjiWViRthfVWWyeoaS1ak/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Fake Verizon bills being emailed to customers</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1ee15de4/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A40Cfake0Everizon0Ebills0Ebeing0Eemailed0Eto0Ecustomers0Bhtml/story01.htm</link><description>Here's a heads-up to Verizon customers who get an email notifying them when their bill is due. Fake bill notices are being sent to customers, and they can be hard to spot. The Better Business Bureau issued this warning today:...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1ee15de4/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Fake+Verizon+bills+being+emailed+to+customers&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Ffake-verizon-bills-being-emailed-to-customers.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Fake+Verizon+bills+being+emailed+to+customers&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Ffake-verizon-bills-being-emailed-to-customers.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/133339068146/u/49/f/623011/c/34254/s/1ee15de4/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/133339068146/u/49/f/623011/c/34254/s/1ee15de4/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/133339068146/u/49/f/623011/c/34254/s/1ee15de4/a2t.img" border="0"/&gt;</description><pubDate>Mon, 30 Apr 2012 20:18:55 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef016765f00ec8970b</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Scams</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Web/Tech</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p>Here's a heads-up to Verizon customers who get an email notifying them when their bill is due. Fake bill notices are being sent to customers, and they can be hard to spot.</p> <p>The Better Business Bureau issued this warning today:</p> <p> </p> <p style="text-align: center; margin: 0in 0in 0pt;"><strong>Scammers Replicate Verizon's Email Bill Alerts  </strong></p> <p style="margin: 0in 0in 0pt;"> </p> <p style="margin: 0in 0in 0pt;">Verizon customers are receiving fake emails that are almost identical to the real alerts many customers get to remind them of their monthly payments. </p> <p style="margin: 0in 0in 0pt;"> </p> <p style="margin: 0in 0in 0pt;"><strong>About the scam:</strong></p> <p style="margin: 0in 0in 0pt;"> </p> <p style="margin: 0in 0in 0pt;">This phishing scam is notable for its painstaking replication of Verizon emails. Only the large bill amounts (many are upwards of $500) and links to third party websites are tip offs to the real nature of these emails.</p> <p style="margin: 0in 0in 0pt;"> </p> <p style="margin: 0in 0in 0pt;">You can spot a fake email by hovering over the links and checking whether the URL leads to Verizon's website or, in a scam email, to a third party site. Here is a screen shot of a sample email that shows how hovering over a link reveals its real destination.</p> <p style="margin: 0in 0in 0pt;"> </p> <p style="margin: 0in 0in 0pt;"> <img alt="" border="0" height="370" hspace="5" id="_x0000_i1025" src="http://ih.constantcontact.com/fs006/1102814513330/img/322.jpg" vspace="5" width="450" /></p> <p style="margin: 0in 0in 0pt;"> </p> <p style="margin: 0in 0in 0pt;">If you receive a suspicious Verizon email, delete it and do not click on the links. Clicking through to a scam website can infect your computer with a virus.</p> <p><strong>More information</strong></p> <p style="margin: 0in 0in 0pt;">If you have any questions about whether your email bill is fake, please <a href="http://r20.rs6.net/tn.jsp?e=001AFh4U1mshlU97A1Sfgn4776A4hnynq3GFPFJ8HV4i-HHBHUt_7PdH7r0pq9TIF0RhO4og63oSn1Qbw-4mpWIWeJd4w0_37oPKkGxMB87BLZliopsxXb1hjuz-RuSe6mGuSJ5bvxa_TRr3PL5V3vsiK_Kzdpk8x4SbFgK74qpzNn11OVP8gQfd7VNUC7E1i49S0yFNIjkT-xFDZTRtOQqCCdG9UU_T5Jf-IFHXF48ruGvF8HGZU2VN2kc6Xlleazmkz1Mg2Gmhgh4vP2CamzHz3VrHsGeomYF_0Y9Pg3qiJ3SFD4oQgmPe1mggcGsZPsx3B5JA3GyGHb53Llv3rzaIt4YZgZryqKs" target="_blank">contact Verizon directly</a>. For more information, you can also see the <a href="http://r20.rs6.net/tn.jsp?e=001AFh4U1mshlVfLNTwSNwyM8695zXmhQDbB1I5zSLMBOUR01uXFjKFXguGDzaCvBi8cO6Q4JPDWOgHLbGlwWSputnpsctc3mk4RaeeKfu3muGtBDzUO5Q2kK3BlDrqNVcanzjdXvETztNJjIBoQtXa8-uaE6Uh3HoBOt0oDupUClNNDID62lv-rwAKs8AlaNYVH14uZUw5DOXNGQdqzPvzo0gw_GYmYQCFfE8VNCQ1NseJk3hIUnw2zFdj5QX6RnPY3GybDeTjPcJNGQJ5AzXaMxZHuIM-RF4O40RwxvEnMfZOLHfeQe43NORsR6n4kS2fYMMkunyUlWHw7BbF6hlbq1tbd8ynSd5qHbLFImvQi7I=" target="_blank">security alerts section on Verizon's website</a>. </p> <p style="margin: 0in 0in 0pt;"> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1ee15de4/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Fake+Verizon+bills+being+emailed+to+customers&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Ffake-verizon-bills-being-emailed-to-customers.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Fake+Verizon+bills+being+emailed+to+customers&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Ffake-verizon-bills-being-emailed-to-customers.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/133339068146/u/49/f/623011/c/34254/s/1ee15de4/a2.htm"><img src="http://da.feedsportal.com/r/133339068146/u/49/f/623011/c/34254/s/1ee15de4/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/133339068146/u/49/f/623011/c/34254/s/1ee15de4/a2t.img" border="0"/>
<p><a href="http://feedads.g.doubleclick.net/~a/8wj0mjLcVKErVdPtkG8cy9hXmDo/0/da"><img src="http://feedads.g.doubleclick.net/~a/8wj0mjLcVKErVdPtkG8cy9hXmDo/0/di" border="0" ismap="true"></img></a><br/>
<a href="http://feedads.g.doubleclick.net/~a/8wj0mjLcVKErVdPtkG8cy9hXmDo/1/da"><img src="http://feedads.g.doubleclick.net/~a/8wj0mjLcVKErVdPtkG8cy9hXmDo/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Feds finalize plan to stop cramming</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1ee08228/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A40Cfeds0Efinalize0Eplan0Eto0Estop0Ecramming0Bhtml/story01.htm</link><description>The latest ideas to stop cramming have been finalized by the Federal Communications Commission. Don't know what cramming is? It occurs when fake charges are added to your phone bill without your authorization. They're often "crammed" onto the bill with...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1ee08228/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Feds+finalize+plan+to+stop+cramming&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Ffeds-finalize-plan-to-stop-cramming.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Feds+finalize+plan+to+stop+cramming&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Ffeds-finalize-plan-to-stop-cramming.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/133339062663/u/49/f/623011/c/34254/s/1ee08228/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/133339062663/u/49/f/623011/c/34254/s/1ee08228/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/133339062663/u/49/f/623011/c/34254/s/1ee08228/a2t.img" border="0"/&gt;</description><pubDate>Mon, 30 Apr 2012 16:39:01 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef016304fac999970d</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Scams</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Web/Tech</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016304faeba4970d-pi" style="float: left;"><img alt="Telephone" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef016304faeba4970d" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef016304faeba4970d-800wi" style="margin: 0px 5px 5px 0px;" title="Telephone" /></a>The latest ideas to stop cramming have been finalized by the Federal Communications Commission.</p> <p>Don't know what cramming is? It occurs when <a href="http://articles.mcall.com/2011-06-29/news/mc-watchdog-phone-bill-cramming-20110629_1_phone-bills-phone-companies-fcc-documents" target="_self">fake charges are added to your phone bill without your authorization</a>. They're often "crammed" onto the bill with hard-to-decipher descriptions, in the hopes that you'll miss them and pay them.</p> <p>The <a href="http://transition.fcc.gov/Daily_Releases/Daily_Business/2012/db0427/DOC-313803A1.pdf" target="_self">FCC's proposals</a>, which I <a href="http://articles.mcall.com/2011-08-10/news/mc-watchdog-cramming-20110810_1_voicenet-telephone-cheap2dial-telephone-third-party-charges" target="_self">told you about last summer</a>, would require phone companies to make third-party charges clearer to identify on your phone bill and require them to let you know that you have the option of blocking all third-party charges from your bills.</p> <p>That sounds good, but the best solutions seem to be not allowing phone companies to include third-party charges on their bills in the first place. <a href="http://articles.mcall.com/2012-04-18/news/mc-verizon-att-cramming-watchdog-20120418_1_third-party-charges-verizon-customers-phone-bill" target="_self">Verizon and AT&amp;T</a> say they'll <a href="http://blogs.mcall.com/watchdog/2012/04/verizon-may-owe-you-money.html" target="_self">stop doing that </a>this year to stop cramming.</p> <p> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1ee08228/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Feds+finalize+plan+to+stop+cramming&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Ffeds-finalize-plan-to-stop-cramming.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Feds+finalize+plan+to+stop+cramming&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Ffeds-finalize-plan-to-stop-cramming.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/133339062663/u/49/f/623011/c/34254/s/1ee08228/a2.htm"><img src="http://da.feedsportal.com/r/133339062663/u/49/f/623011/c/34254/s/1ee08228/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/133339062663/u/49/f/623011/c/34254/s/1ee08228/a2t.img" border="0"/>
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<a href="http://feedads.g.doubleclick.net/~a/I7oAn4FUchI_uSgYk6BAUQK4Yvw/1/da"><img src="http://feedads.g.doubleclick.net/~a/I7oAn4FUchI_uSgYk6BAUQK4Yvw/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>If a debt collector calls, how do you know he's real?</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1ec2166c/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A40Cif0Ea0Edebt0Ecollector0Ecalls0Ehow0Edo0Eyou0Eknow0Ehes0Ereal0Bhtml/story01.htm</link><description>While it may feel like all debt collectors are out to rip you off, some really are. Federal authorities say they recently broke up two nasty rings of callers that were posing as debt collectors and trying to shake down...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1ec2166c/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=If+a+debt+collector+calls%2C+how+do+you+know+he%27s+real%3F&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Fif-a-debt-collector-calls-how-do-you-know-hes-real.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=If+a+debt+collector+calls%2C+how+do+you+know+he%27s+real%3F&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Fif-a-debt-collector-calls-how-do-you-know-hes-real.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/132733307516/u/49/f/623011/c/34254/s/1ec2166c/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/132733307516/u/49/f/623011/c/34254/s/1ec2166c/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/132733307516/u/49/f/623011/c/34254/s/1ec2166c/a2t.img" border="0"/&gt;</description><pubDate>Tue, 24 Apr 2012 14:19:13 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef016304af6c1c970d</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Scams</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p>While it may feel like all debt collectors are out to rip you off, some really are.</p> <p>Federal authorities say they recently broke up two nasty rings of callers that were posing as debt collectors and trying to shake down people for debts they didn't owe, or owed to someone else.</p> <p>Today's <a href="http://www.mcall.com/news/local/watchdog/mc-fake-debt-collector-payday-loan-watchdog-20120425,0,1394311.column" target="_self">Watchdog column </a>has the details about these <a href="http://www.ftc.gov/opa/2012/04/broadway.shtm" target="_self">scams</a>. Authorities say they had one thing in common - the people who were targeted had applied online for payday loans, and their loan application data apparently had made its way into the hands of scammers.</p> <p>Those scammers were accused of making threatening phone calls and trying to get people to pay up. Many did, either out of fear or because they felt the debts were legit, as the callers had their information from their loan applications.</p> <p>You can find the sordid allegations here:</p> <p>Federal Trade Commission vs. <a href="http://www.ftc.gov/os/caselist/1123215/index.shtm" target="_self">Kirit Patel, Broadway Global Master (BGM), In-Arabia Solutions</a></p> <p>Federal Trade Commission vs. <a href="http://www.ftc.gov/os/caselist/1023191/index.shtm" target="_self">American Credit Crunchers, Ebeeze, Varang Thaker</a></p> <p>If you get a call from a debt collector, don't fall for their scare tactics and don't pay over the phone. Find out what the debt is for. Legitimate debt collectors should send you what's called a "validation notice" that explains whom you owe the money to and what your rights are.</p> <p>Even debt collectors have rules they must obey. They are not allowed to curse at you, threaten you or say you'll be arrested. They can't pretend to be calling from the government or a law office. If any of these no-nos come up during your call, it could be <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm" target="_self">a sign the call is fake</a>. Even if the caller has your personal information, the call still could be a fraud, as they could have obtained your information illegally.</p> <p>If you do have an outstanding debt that you know is in collections, make sure you pay it off to the right agency. Don't pay a scammer and think you're in the clear, because the money won't be sent where it belongs and you'll still be responsible for it.</p> <p>Here is a <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm" target="_self">guide from the Federal Trade Commission </a>that explains your rights, and what rules debt collectors must follow.</p> <p> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1ec2166c/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=If+a+debt+collector+calls%2C+how+do+you+know+he%27s+real%3F&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Fif-a-debt-collector-calls-how-do-you-know-hes-real.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=If+a+debt+collector+calls%2C+how+do+you+know+he%27s+real%3F&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Fif-a-debt-collector-calls-how-do-you-know-hes-real.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/132733307516/u/49/f/623011/c/34254/s/1ec2166c/a2.htm"><img src="http://da.feedsportal.com/r/132733307516/u/49/f/623011/c/34254/s/1ec2166c/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/132733307516/u/49/f/623011/c/34254/s/1ec2166c/a2t.img" border="0"/>
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<a href="http://feedads.g.doubleclick.net/~a/FQqBXoj2r_cqpm-HpSYw8jCxmAA/1/da"><img src="http://feedads.g.doubleclick.net/~a/FQqBXoj2r_cqpm-HpSYw8jCxmAA/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Another insurer agrees to work harder to pay unclaimed life insurance policies</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1eb053f6/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A40Canother0Einsurer0Eagrees0Eto0Ework0Eharder0Eto0Epay0Eunclaimed0Elife0Einsurance0Epolicies0Bhtml/story01.htm</link><description>Regulators in Pennsylvania and other states have reached a deal with another insurance company to make sure it is diligent in paying life insurance proceeds. The agreement with MetLife, announced Monday, follows an agreement earlier this year with Prudential, which...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1eb053f6/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Another+insurer+agrees+to+work+harder+to+pay+unclaimed+life+insurance+policies&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Fanother-insurer-agrees-to-work-harder-to-pay-unclaimed-life-insurance-policies.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Another+insurer+agrees+to+work+harder+to+pay+unclaimed+life+insurance+policies&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Fanother-insurer-agrees-to-work-harder-to-pay-unclaimed-life-insurance-policies.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/132733174619/u/49/f/623011/c/34254/s/1eb053f6/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/132733174619/u/49/f/623011/c/34254/s/1eb053f6/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/132733174619/u/49/f/623011/c/34254/s/1eb053f6/a2t.img" border="0"/&gt;</description><pubDate>Tue, 24 Apr 2012 12:48:16 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef0168eaa3f3b8970c</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p>Regulators in Pennsylvania and other states have reached a deal with another insurance company to make sure it is diligent in paying life insurance proceeds.</p> <p>The agreement with MetLife, announced Monday, follows an agreement earlier this year with <a href="http://articles.mcall.com/2012-03-24/news/mc-prudential-life-insurance-watachdog-20120324_1_prudential-financial-pennsylvania-insurance-department-rosanne-placey" target="_self">Prudential, which I wrote about in March</a>. Officials in several states have <a href="http://blogs.mcall.com/watchdog/2012/03/states-want-life-insurers-to-look-harder-for-payable-policies.html" target="_self">questioned whether the insurance industry does enough to identify payable policies</a> and locate beneficiaries even if claims are not filed, and whether insurers turn in proceeds of unclaimed policies to <a href="http://www.patreasury.gov/unclaimed/search.html" target="_self">state unclaimed property bureaus</a>, which then will work to find the rightful heir.</p> <p>"Our multi-state exam revealed concerns with MetLife's practices in the payment of death benefits to the beneficiaries of life insurance policies," state insurance Commissioner Michael Consedine said in a <a href="http://www.portal.state.pa.us/portal/server.pt?open=512&amp;objID=17319&amp;PageID=502655&amp;mode=2&amp;contentid=http://pubcontent.state.pa.us/publishedcontent/publish/cop_hhs/insurance/news_and_media/news___media/articles/april_23__2012.html" target="_self">statement</a>. "MetLife's settlement with insurance regulators focuses on changing its business practices to better locate beneficiaries. This will provide consumers with even greater protections."</p> <p>You can view the settlement on the insurance department's <a href="http://www.portal.state.pa.us/portal/server.pt/community/insurance_department/4679" target="_self">consumer protection page</a>.</p> <p>MetLife said in a <a href="http://www.metlife.com/about/press-room/index.html?compID=80644" target="_self">statement</a> that it will take several steps to identify payable policies:</p> <p>"MetLife has undertaken a variety of proactive steps over many decades to locate the small percentage of policyholders who have lost contact with the company, including using the Social Security Death Master File as part of this process to match virtually all of its administrative records in 2011. MetLife agrees that periodic matching of administrative records against available external sources such as the Social Security Death Master File is a best practice, and the company is implementing a monthly matching process which it believes will be effective in identifying the small proportion of deaths where a claim is not submitted."</p> <p> </p> <p> </p> <p> </p> <p> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1eb053f6/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Another+insurer+agrees+to+work+harder+to+pay+unclaimed+life+insurance+policies&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Fanother-insurer-agrees-to-work-harder-to-pay-unclaimed-life-insurance-policies.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Another+insurer+agrees+to+work+harder+to+pay+unclaimed+life+insurance+policies&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Fanother-insurer-agrees-to-work-harder-to-pay-unclaimed-life-insurance-policies.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/132733174619/u/49/f/623011/c/34254/s/1eb053f6/a2.htm"><img src="http://da.feedsportal.com/r/132733174619/u/49/f/623011/c/34254/s/1eb053f6/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/132733174619/u/49/f/623011/c/34254/s/1eb053f6/a2t.img" border="0"/>
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<a href="http://feedads.g.doubleclick.net/~a/_heFdv_s9noYQLkVgWmkccfCmEo/1/da"><img src="http://feedads.g.doubleclick.net/~a/_heFdv_s9noYQLkVgWmkccfCmEo/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>Old scams, new victims</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1eaa8968/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A40Cold0Escams0Enew0Evictims0Bhtml/story01.htm</link><description>Some scams just won't go away because people continue falling for them. Just in the past week, The Morning Call's police blotter has contained sad accounts of people being ripped off and in one case, robbed at gunpoint, through common...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1eaa8968/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=Old+scams%2C+new+victims&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Fold-scams-new-victims.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Old+scams%2C+new+victims&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Fold-scams-new-victims.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/132733180311/u/49/f/623011/c/34254/s/1eaa8968/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/132733180311/u/49/f/623011/c/34254/s/1eaa8968/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/132733180311/u/49/f/623011/c/34254/s/1eaa8968/a2t.img" border="0"/&gt;</description><pubDate>Mon, 23 Apr 2012 21:03:26 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef0168ea9be42a970c</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Lehigh County</dc:subject><dc:subject>Northampton County</dc:subject><dc:subject>Scams</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p>Some scams just won't go away because people continue falling for them.</p> <p>Just in the past week, The Morning Call's police blotter has contained sad accounts of people being ripped off and in one case, robbed at gunpoint, through common scams.</p> <p>The most startling was Saturday's <a href="http://www.mcall.com/news/breaking/mc-bangor-craigs-list-robbery-20120422,0,4740561.story" target="_self">stick-up in the Bangor Memorial Park </a>parking lot. Police said the victim was set up through a Craigslist ad offering an iPhone for sale. The victim arranged to meet the seller at a store and then was directed to go to the park, where he was robbed of $400, which presumably he'd brought to buy the phone.</p> <p>Take precautions if you're doing business on Craigslist. If you are selling something, never invite buyers to your home. If you are buying something, don't go to someone's home. Arrange to meet in a heavily traveled, well-lighted public place such as a store parking lot, where the potential of being seen should deter any thuggery.</p> <p>Also last week, Nazareth police warned that <a href="http://www.mcall.com/news/local/police/mc-nazareth-phone-call-scam-20120418,0,2543336.story" target="_self">several senior citizens had lost money </a>through the common "grandparent scam." Police said three residents wired a total of $14,000 to the Dominican Republic, after receiving phone calls from people posing as relatives who needed money to get out of jail or another legal quandry.</p> <p>The scam is known as the grandparent scam because the caller often poses as the grandchild of the victim and implores the victim not to tell other family members. Here are a few previous stories (<a href="http://articles.mcall.com/2011-03-28/news/mc-watchdog-grandparent-scam-20110328_1_grandparent-scam-wire-money-wire-cash" target="_self">Don't fall for the grandparent scam</a>) and (<a href="http://www.mcall.com/news/local/watchdog/mc-watchdog-grandparent-scam-20110720,0,3909199.column" target="_self">Angel rescues scam victims</a>) I've written that explain more about this scam.</p> <p>If you get a call like this, hang up. Don't wire money. If you believe your grandson or other relative is in trouble, try to reach them directly or contact other family members.</p> <p>Finally, state police at Bethlehem issued a news release earlier this month about a 93-year-old woman from North Whitehall Township who had about $300 stolen during a driveway paving scam.</p> <p>Police said one person knocked on the victim's door and entered the home under the guise of asking the woman if she wanted her driveway paved. While that person distracted the woman, another person is believed to have entered the home and taken money and documents. The suspects fled, possibly in a white van with a rug obscuring the license plate.</p> <p>Never let strangers into your home. Don't even open the door unless you know the visitor and trust them. Call 911 if a visitor is aggressive and tries to enter without permission, or won't leave. </p> <p> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1eaa8968/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=Old+scams%2C+new+victims&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Fold-scams-new-victims.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=Old+scams%2C+new+victims&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Fold-scams-new-victims.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/132733180311/u/49/f/623011/c/34254/s/1eaa8968/a2.htm"><img src="http://da.feedsportal.com/r/132733180311/u/49/f/623011/c/34254/s/1eaa8968/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/132733180311/u/49/f/623011/c/34254/s/1eaa8968/a2t.img" border="0"/>
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<a href="http://feedads.g.doubleclick.net/~a/ULtTAo3r7gClj9wXX063x7nbNck/1/da"><img src="http://feedads.g.doubleclick.net/~a/ULtTAo3r7gClj9wXX063x7nbNck/1/di" border="0" ismap="true"></img></a></p>]]></content:encoded></item><item><title>IRS warns about tax fraud but isn't protecting itself</title><link>http://morningcall.feedsportal.com/c/34254/f/623011/s/1ea6a2ff/l/0Lblogs0Bmcall0N0Cwatchdog0C20A120C0A40Cirs0Ewarns0Eabout0Etax0Efraud0Ebut0Eisnt0Eprotecting0Eitself0Bhtml/story01.htm</link><description>The IRS got more aggressive at warning taxpayers about scams this tax season, in an effort to protect you from identity theft and other problems. The IRS isn't doing enough to protect itself from fraud, though. The security system that...&lt;img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1ea6a2ff/mf.gif' border='0'/&gt;&lt;div class='mf-viral'&gt;&lt;table border='0'&gt;&lt;tr&gt;&lt;td valign='middle'&gt;&lt;a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&amp;title=IRS+warns+about+tax+fraud+but+isn%27t+protecting+itself&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Firs-warns-about-tax-fraud-but-isnt-protecting-itself.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;td valign='middle'&gt;&lt;a href="http://res.feedsportal.com/viral/bookmark.cfm?title=IRS+warns+about+tax+fraud+but+isn%27t+protecting+itself&amp;link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Firs-warns-about-tax-fraud-but-isnt-protecting-itself.html" target="_blank"&gt;&lt;img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /&gt;&lt;/a&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;br/&gt;&lt;br/&gt;&lt;a href="http://da.feedsportal.com/r/132733160225/u/49/f/623011/c/34254/s/1ea6a2ff/a2.htm"&gt;&lt;img src="http://da.feedsportal.com/r/132733160225/u/49/f/623011/c/34254/s/1ea6a2ff/a2.img" border="0"/&gt;&lt;/a&gt;&lt;img width="1" height="1" src="http://pi.feedsportal.com/r/132733160225/u/49/f/623011/c/34254/s/1ea6a2ff/a2t.img" border="0"/&gt;</description><pubDate>Fri, 20 Apr 2012 20:28:34 GMT</pubDate><author>Paul Muschick</author><guid isPermaLink="false">tag:typepad.com,2003:post-6a00d8341c4fe353ef016765762176970b</guid><dc:creator>Paul Muschick</dc:creator><dc:subject>Current Affairs</dc:subject><dc:subject>Investigations</dc:subject><dc:subject>Mismanagement</dc:subject><dc:subject>Poor Service</dc:subject><dc:subject>Public Dollars</dc:subject><dc:subject>Watchdog</dc:subject><dc:subject>Web/Tech</dc:subject><dc:subject>Weblogs</dc:subject><content:encoded><![CDATA[<div xmlns="http://www.w3.org/1999/xhtml"><p><a class="asset-img-link" href="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0168ea7810de970c-pi" style="float: left;"><img alt="IRS tax forms" border="0" class="asset asset-image at-xid-6a00d8341c4fe353ef0168ea7810de970c image-full" src="http://blogs.mcall.com/.a/6a00d8341c4fe353ef0168ea7810de970c-800wi" style="margin: 0px 5px 5px 0px;" title="IRS tax forms" /></a>The IRS got more aggressive at warning taxpayers about <a href="http://www.irs.gov/newsroom/article/0,,id=254383,00.html" target="_self">scams this tax season</a>, in an effort to protect you from identity theft and other problems. The IRS isn't doing enough to protect itself from fraud, though.</p> <p>The security system that is supposed to detect, prevent and report intrusions of IRS computers and data is not monitoring one-third of IRS servers, putting the IRS network and data at risk, the Treasury Inspector General for Tax Administration said in a <a href="http://www.treasury.gov/tigta/auditreports/2012reports/201220019fr.pdf" target="_self">report</a> this month.</p> <p>The inspector general said taxpayers can be impacted if the network is disrupted and prevented from processing returns, issuing refunds and answer taxpayer inquiries. The report says threats are real and increasing. There were 2,768 "computer security incidents and threats" in 2010, an increase of 22 percent.</p> <p> </p> <p> </p></div><img width='1' height='1' src='http://morningcall.feedsportal.com/c/34254/f/623011/s/1ea6a2ff/mf.gif' border='0'/><div class='mf-viral'><table border='0'><tr><td valign='middle'><a href="http://share.feedsportal.com/viral/sendEmail.cfm?lang=en&title=IRS+warns+about+tax+fraud+but+isn%27t+protecting+itself&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Firs-warns-about-tax-fraud-but-isnt-protecting-itself.html" target="_blank"><img src="http://res3.feedsportal.com/images/emailthis2.gif" border="0" /></a></td><td valign='middle'><a href="http://res.feedsportal.com/viral/bookmark.cfm?title=IRS+warns+about+tax+fraud+but+isn%27t+protecting+itself&link=http%3A%2F%2Fblogs.mcall.com%2Fwatchdog%2F2012%2F04%2Firs-warns-about-tax-fraud-but-isnt-protecting-itself.html" target="_blank"><img src="http://res3.feedsportal.com/images/bookmark.gif" border="0" /></a></td></tr></table></div><br/><br/><a href="http://da.feedsportal.com/r/132733160225/u/49/f/623011/c/34254/s/1ea6a2ff/a2.htm"><img src="http://da.feedsportal.com/r/132733160225/u/49/f/623011/c/34254/s/1ea6a2ff/a2.img" border="0"/></a><img width="1" height="1" src="http://pi.feedsportal.com/r/132733160225/u/49/f/623011/c/34254/s/1ea6a2ff/a2t.img" border="0"/>
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