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Workers' Compensation Insurance
(July 2015)
Basic Information
Workers' compensation insurance is a state regulated insurance system that ensures medical bills and some lost wages are paid for employees injured on the job or who have work-related diseases or illnesses.
Employees covered by workers' compensation receive benefits based on the type and severity of their injuries. Benefits include:
- medical benefits for medically necessary treatment of work-related injuries and illnesses;
- income benefits for a specified period of time up to a certain dollar limit set by law; and
- compensation for burial expenses for employees killed on the job;
- death benefits for dependents of employees killed on the job.
If there is a workers' compensation claim for benefits, an employee's family may be entitled to pursue other remedies through the courts if the employee is killed and the death was caused by the employer's gross negligence or intentional act or omission.
Workers' compensation doesn't pay for injuries that:
- are intentional or self-inflicted,
- result from horseplay or voluntary drug or alcohol intoxication,
- are inflicted by someone else for personal reasons unrelated to the job,
- result from voluntary participation in off-duty recreational, social, or sports events, or
- result from "acts of God" (like floods or hurricanes), unless the job has a particularly high risk of such injuries.
The Texas Department of Insurance- Division of Workers' Compensation (TDI-DWC) regulates the state's workers' compensation system by:
- administering the workers' compensation law to ensure that medical and indemnity benefits are paid to injured workers according to the workers' compensation law,
- providing a mechanism for dispute resolution of workers' compensation claims,
- coordinating return-to-work efforts between insurance company and policyholder,
- providing workplace safety services, and
- issuing certificates of authority to self-insure for workers' compensation to employers that qualify.
Texas doesn't require most private employers to carry workers' compensation insurance. However, private employers who contract with governmental entities are required to provide workers' compensation coverage for each employee working on the public project. Some contractors may require their sub-contractors and independent contractors to carry workers' compensation insurance.
Employers may not charge employees for workers' compensation coverage. There are some exceptions for independent contractors and certain building and construction workers.
Employers who choose not to have workers' compensation insurance - called non-subscribers – must:
- file an annual notice with TDI-DWC,
- display notices of non-coverage in the personnel office and throughout the workplace, and
- give a written statement of non-coverage to each new employee.
Employers without workers' compensation coverage don't have the same legal protections as employers that provide workers' compensation coverage. If an injured employee of a non-subscriber files suit and is able to prove that the injury was due to the employer's negligence, the non-subscriber could be subject to high damage awards, including punitive damages and damages for pain and suffering. The non-subscriber might also be required to pay defense-related legal expenses, such as attorney's fees.
Non-subscribers also lose certain common-law defenses, including:
- the injured employee's negligence caused the injury,
- the negligence of fellow employees caused the injury, and
- the injured employee knew about the danger and voluntarily accepted it.
Providing Workers' Compensation
If employers choose to provide workers' compensation, they must do so in one of the following ways:
- buy a workers' compensation insurance policy from an insurance company licensed by TDI,
- be certified by TDI-DWC to self-insure workers' compensation claims,
- join a self-insurance group that has received a certificate of approval from TDI, or
- be a self-insured governmental entity.
Political subdivisions may self-insure, buy coverage from insurance companies, or enter into inter-local agreements with other political subdivisions that self-insure. Emergency service organizations and political subdivisions may cover volunteers – such as volunteer firefighters, police officers, and emergency medical personnel – with a special endorsement on the policy.
Employers with workers' compensation have some important legal protections, including immunity from most lawsuits by injured employees. If an employer has workers' compensation insurance, a lawsuit may only go to court after it has been through TDI-DWC's administrative dispute process. The court will consider TDI-DWC's recommendations, and only issues in dispute may be used as evidence. The employer's workers' compensation insurance company pays attorneys' fees and other defense costs.
Most insurance companies won't sell a policy unless the employer has at least one part-time employee or expects to have an uninsured contractor work for them while the policy is in effect. Some insurance companies may write a policy to cover executive officers of a corporation that has no other employees.
Certified Self-Insurance
Large private employers may self-insure for workers' compensation if they are certified by TDI-DWC. Some of the key requirements to become a certified self-insurer in Texas include:
- being a private employer with operations in Texas;
- having an estimated unmodified manual insurance premium of at least $500,000 in Texas, or at least $10 million nationwide;
- providing audited financial statements;
- providing information to TDI-DWC about its profitability;
- providing a minimum security deposit of $300,000 or 125 percent (whichever is greater) of the employer's existing workers' compensation liabilities;
- having a minimum of $5 million per occurrence of excess insurance coverage;
- having certified safety programs at all Texas job sites;
- presenting of a claims administration plan;
- paying fees and taxes necessary to support the administration of the program, including establishment of a guaranty fund for self-insured employers;
- submitting of an "Application for Certificate of Authority" to TDI-DWC, and
- paying a non-refundable $1,000 application fee.
Self-Insurance Groups
Private employers may also self-insure by joining with five or more private employers to establish a workers' compensation self-insurance group. The group must receive a certificate of approval from TDI.
The employers in the group must:
- be in the same or similar type of business,
- be members of a bona fide trade or professional association that has been in existence in Texas for purposes other than insurance for at least five years before the establishment of the group,
- enter into agreements to pool their liabilities for workers' compensation benefits and employers' liability in Texas,
- provide required information to TDI, such as financial information about the members of the group, the governing classification code of the group or a description of operations for each member of the group showing that the members of the group are engaged in similar operations, and evidence of the required performance bonds,
- provide a minimum security deposit of $300,000 or 25 percent (whichever is greater) of the group's total incurred liabilities for workers' compensation,
- have an estimated annual premium, subject to an experience modifier, of at least $250,000 during the group's first year of operation and an annual standard premium of at least $500,000 thereafter,
- have a minimum of $5 million per occurrence of excess insurance, and
- pay fees and taxes to support the administration of the program.
'Alternative' Policies
Texas law doesn't consider alternative policies and coverage bought from unlicensed insurance companies – including surplus lines insurance companies – as workers' compensation. An injured employee covered by an alternative policy may still be able to sue an employer for damages resulting from a work-related injury.
Alternative accident and health policies contain dollar limits and time limits. If expenses exceed the limit, the employer may be responsible for paying the remainder. Workers' compensation policies cover all related medical expenses even if an expense occurs years after the accident.
Accident Prevention Services
Insurance companies that sell workers' compensation policies must provide the following free accident prevention services:
- safety surveys, recommendations, and training programs;
- safety consultations, including analysis of accident causes; and
- industrial hygiene information, and industrial health services.
Insurance companies must provide notice on the front of each Texas workers' compensation policy advising the policyholder that accident prevention services are available.
Required Claim Information to Policyholders
Insurance companies are required to tell policyholders about any claims against their workers' compensation policies, but policyholders can waive the requirement. Policyholders may request in writing that their insurance companies tell them about settlement proposals and any administrative or judicial proceedings used to resolve claims. Policyholders may also request notifications relating to individual claims.
Policyholders may also ask companies for a list of all claims against their policies, payments made or reserves established for those claims, and a statement of the effect on the policy premium.
Shopping for Workers' Compensation Insurance
Policyholders should shop around to find the best rate before buying coverage. You can use the Texas Workers' Compensation Rate Guide at www.tdi.texas.gov/wc/regulation/rcomp.html to learn companies' rate levels, schedule rating, and contact information.
It's also important to buy workers' compensation insurance from companies licensed by TDI. Licensed companies are covered by the Texas Property and Casualty Guaranty Association, which pays claims for insurance companies who become insolvent and are unable to pay their claims. Claims against unlicensed insurance companies could go unpaid if they become insolvent. You can learn whether a company is licensed by calling TDI's Consumer Help Line at 1-800-252-3439 or viewing company profiles on the TDI website at www.tdi.texas.gov.
If you can't find workers' compensation insurance through the voluntary market, Texas Mutual Insurance Company is the insurer of last resort in Texas. This coverage is generally more expensive than coverage bought in the voluntary market. For more information, contact Texas Mutual at 1-800-859-5995 or visit its website at www.texasmutual.com.
Workers' Compensation Rates
Workers' compensation rates are file and use in Texas. An insurance company may choose to base its rates on
- the Texas workers' compensation classification relativities established by the commissioner of insurance,
- its own independent company-specific relativities filed by the company, and
- loss filed by the National Council on Compensation Insurance, which is an advisory organization to TDI.
The relativities established by the commissioner and the independent company-specific relativities filed by the company represent the relationship between classifications. Insurance companies that choose to use the relativities as a basis for their rates file a deviation factor with TDI that is then multiplied by the relativity to determine the rate. Both types of relativities are intended to cover the indemnity and medical benefits provided under the workers' compensation system in Texas, as well as profits, taxes, and expenses for the insurance company.
The loss costs filed by NCCI for each classification are intended to cover the indemnity and medical benefits provided under the workers' compensation system in Texas, as well as the expenses associated with providing these benefits. Insurance companies that choose to use the loss cost as a basis for their rates file a loss cost multiplier, which contemplates any other expenses associated with providing workers' compensation insurance, such as agents' commissions, profits, and taxes for the company. The loss cost is multiplied by the loss cost multiplier to determine the rate.
Texas policyholders are assigned one or more classifications based on the type of business. Each employee's payroll is then assigned to the appropriate Texas classifications, but the rates for the individual classifications differ from one company to another. Insurance companies must choose from the appropriate classification for a business from the over 400 classifications that apply in Texas.
Each employee's total payroll is assigned to the appropriate classification for the business. The total payroll for each classification is then multiplied by the company's rate, based either on relativities or loss costs, for that classification (rate per $100 payroll) to determine premium. The employer's total manual premium is the sum of the premiums for the individual classifications. This amount may be adjusted to reflect an employer's specific risk profile, such as, but not limited to, experience rating, schedule rating, deductible credit, and certified workers' compensation healthcare network credit. An expense constant, which is comparable to an insurance fee, is then added to the premium in an amount filed with TDI by the insurance company.
Policyholders with estimated annual premiums over $5,000 may choose a deductible plan to reduce their premiums, if they're willing to reimburse the insurance company for part of the claim costs.
The standard deductible plans are:
- Per accident deductible option. This option offers deductibles of $1,000, $2,500, $5,000, $10,000, and $25,000 per accident, not to exceed 50 percent of the employer's estimated annual premium.
- Per claim deductible option. This option offers deductibles of $1,000, $2,500, $5,000, $10,000, and $25,000 per claim, not to exceed 50 percent of the employer's estimated annual premium.
- Medical only option. This option offers deductibles of $500, $1,000, $1,500, $2,000, and $2,500 per medical only claim.
Employers with estimated annual premiums over $100,000, or policyholders who want higher deductibles than offered in the above plans may negotiate the terms of this option with their insurance company.
For all deductible options, the insurance company pays the claims, and the policyholder reimburses the company up to the amount of the deductible. An insurance company may require a policyholder to provide security for the deductible amount.
Group Purchase
Employers in similar lines of business or employers who are members of the same trade association may ask for TDI's approval to form a group to purchase workers' compensation insurance.
Each member of the group will buy its own individual policy and retain its own experience modifier. However, premium discounts are based on the total premium for the group. In addition, specialized safety programs and dividends the insurance company pays may result in added benefits or savings.
Workers' Compensation Health Care Networks
Insurance companies, political subdivisions certified self-insureds, and certified self-insurance groups can either establish their own health care network for certification by TDI or contract with a network that has already been certified. Policyholders who choose to participate in a certified workers' compensation health care network may receive a reduction in their workers' compensation premium because of the cost savings achieved by the Texas workers' compensation claims being handled by a certified network. Because the networks specialize in treating injured employees, they also help employees return to the job more quickly.
For more information about certified workers' compensation health care networks, visit the workers' compensation networks page on TDI's website at www.tdi.texas.gov/wc/wcnet/indexwcnet.html.
Premium Incentive for Small Employers
Policyholders with a premium too low to qualify for experience rating may benefit from the premium incentive plan.
Businesses with an estimated annual premium of less than $5,000 are eligible for a 10 percent discount if they had no compensable lost-time injuries during the last year. The discount increases to 15 percent if there were no compensable lost-time injuries during the last two years. If there were two or more lost-time injuries in the last year, a 10 percent surcharge is applied.
Retrospective Rating
Retrospective rating is an optional plan that offers policyholders potential savings as an incentive for having a safe workplace. Employers must choose retrospective rating within the first 60 days of the policy period.
An employer's premium is adjusted six months after the end of the policy period, based on the actual claim experience. Premiums are then adjusted each year until all claims for the period are closed or the premium reaches a pre-selected maximum. Premium adjustments reward policyholders when claims are low. If claims are high, the employer may pay more than the standard premium, subject to the pre-selected maximum.
Employers with a minimum annual workers' compensation premium of at least $15,000 can choose from several plans, including:
- Option Five. This plan is available to policyholders with minimum annual premiums of $25,000. It allows employers to negotiate for both a minimum and maximum premium. In addition, an employer may negotiate a plan that includes other lines of insurance, such as automobile and general liability.
- The Large Risk Alternative Rating Option. This plan is the most common and is for policyholders with at least $100,000 in estimated annual premiums (or $350,000 for all states where they operate). Policyholders and insurance companies may negotiate retrospective factors under this plan. This plan can't be negotiated to include other lines of insurance.
Experience Rating
NCCI calculates experience modifiers for those insureds who meet the premium eligibility requirements... Experience rating rewards employers with losses that are less than expected and penalizes those with losses that are greater than expected.
The experience modifier calculation is based on an employer's payroll and loss information for a period of 12 to 39 months. The experience period generally consists of the past four policy years, excluding the most recent policy year. An employer's actual losses are compared with the expected losses for businesses with similar job classifications and payrolls. If losses are less than expected, the employer gets a credit modifier that reduces the employer's premium. If losses are higher than expected, a debit modifier increases the employer's premium.
Experience rating is mandatory for policyholders with either
- annual workers' compensation premiums of at least $10,000 and a one-year experience history, or
- average premiums of $5,000 and at least two years of experience.
If your experience modifier is calculated during the policy period, your premium will be decreased or increased as follows:
- Premium decreases will be applied retroactively to the effective date of the policy or to the rating effective date, if different than the policy effective date.
- Premium increases for modifiers issued and endorsed within the first 60 days of the effective date or the rating effective date will be applied retroactively to the effective date of the policy or to the rating effective date, if different than the policy effective date.
- Premium increases for modifiers issued after the first 60 days of the effective date or the rating effective date, if different than the policy effective date will be computed pro rata from the date the insurance company endorses the policy.
- Premium increases for modifiers due to the one of the following reasons that occur at any time during the policy period or after the expiration of the policy are applied retroactively to the inception of the policy or as of the rating effective date, if different than the policy effective date:
- changes in ownership or combinability status,
- retroactive reclassification of a risk,
- late issuance of an experience rating modification due to an uncooperative employer in completing the final payroll audit, or
- an appeals board or other administration process or judicial decision.
Resolving Premium/Rule Disputes
If a policyholder has a dispute about its policy related to rates, the application or interpretation of rules contained in the various National Council on Compensation Insurance manuals (including but not limited to classification codes and experience rating), rating programs, endorsements, or forms, contact the carrier that issued the policy. If the dispute isn't resolved with the carrier, the policyholder should contact the National Council on Compensation Insurance, Inc. to request that the dispute be resolved through the dispute resolution process described in the NCCI Basic Manual, Miscellaneous Rules in the Texas exceptions.
Send the request for assistance:
- By mail to: NCCI, Regulatory Assurance Department – Dispute Resolution Services, 901 Peninsula Corporate Circle, Boca Raton, FL 33487-1362
- By fax to 561-893-5043
- By email to email@example.com
A policyholder must pay any undisputed premium to the carrier prior to asking for NCCI's assistance with the dispute.
NCCI will first work with the policyholder and the carrier to resolve the dispute. If no resolution can be reached, then the dispute can be heard by a the Texas Appeals Panel, which consists of five voting members, two carrier members, an agent member, a small employer, and a large employer, appointed by the Texas Commissioner of Insurance. A TDI staff non-voting member, except in the event of a tie vote, designated by the commissioner serves as the chair of the panel. An NCCI non-voting technical advisor is the administrator to the appeals panel.
Within 30 days of the date a decision of the appeals panel is issued, any party to the dispute may appeal the decision of the Appeals Panel to the Texas Department of Insurance. To appeal a decision of the Appeals Panel, contact the Texas Department of Insurance:
- By mail: Office of the Chief Clerk: Mail Code 113-2A, P.O. Box 149104, Austin, TX 78714-9104
- By fax to 512-490-1064
- By email to firstname.lastname@example.com
Canceling a Policy
An employer may cancel a policy before its expiration date by notifying the insurance company and TDI-DWC by certified mail. The insurance company must refund any unearned premium after the final payroll audit is completed. Although an insurance company may not charge a penalty if you choose to cancel your policy, there may be penalties involved if the policy is subject to retrospective rating. Be sure to ask about penalties before you cancel a policy.
An insurance company may also cancel or refuse to renew a policy. The company must provide advance notice to the policyholder and to TDI-DWC by certified mail. Companies must give 10 days' notice if they cancel or nonrenew a policy because of delinquent premium payments or fraud. Cancellation or nonrenewal for most other reasons requires 30 days' notice.
For More Information or Assistance
To contact the Division of Workers' Compensation for information about workers' compensation and the workers' compensation claim process, call DWC at 1-800-252-7031 and select an option from the menu.
To file a workers' compensation complaint about a claim involving one of your employees, contact DWC, System Monitoring and Oversight by email to firstname.lastname@example.com, or by fax to 512-490-1030.
For answers to general insurance questions, for information about filing an insurance-related complaint, or to report suspected insurance fraud, call the Consumer Help Line at 1-800-252-3439 between 8 a.m. and 5 p.m., Central time, Monday-Friday, or visit our website at www.tdi.texas.gov.
You can also visit HelpInsure.com to help you shop for automobile, homeowners, condo, and renters insurance, and TexasHealthOptions.com to learn more about health care coverage and your options.
For printed copies of consumer publications, call the Consumer Help Line.
To report suspected arson or suspicious activity involving fires, call the State Fire Marshal's 24-hour Arson Hotline at 1-877-4FIRE45 (434-7345).
The information in this publication is current as of the revision date. Changes in laws and agency administrative rules made after the revision date may affect the content. View current information on our website. TDI distributes this publication for educational purposes only. This publication is not an endorsement by TDI of any service, product, or company.
For more information contact:
Last updated: 08/20/2015


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Wikipedia:Wikipedia Signpost/2012-04-30/Paid editing
Does Wikipedia Pay? The Consultant: Pete Forsyth
- Does Wikipedia Pay? is an ongoing Signpost series seeking to illuminate paid editing and paid advocacy, for-profit Wikipedia consultants, editing public relations professionals, Conflict of Interest guidelines in practice, and the Wikipedians who work on these issues—by speaking openly with the people involved.
- Last week we interviewed Silver Seren about his involvement with WikiProject Cooperation. For the second round of the series, The Signpost talked with Wikipedia editor, administrator, and former Wikimedia Foundation (WMF) employee Pete Forsyth, owner of the Wikipedia consulting firm Wiki Strategies. The way Forsyth describes it, consulting is altogether different than paid editing, notably for the lack of editing articles directly. Instead, he offers guidance to clients and instructs them about how to engage the community. Does he avoid the common traps of conflict of interest editing? Is this a model that could or should be extended? Can one actually make a living doing it? Much to consider in this week's interview ...
- For a transcript of the unedited conversation, see The Signpost's Interviews desk archive.
I was first exposed to the Internet at college in 1992, and soon I was drawn to the collaborative and public benefit vision of the free software movement. I later built a wiki with colleagues at a local non-profit. Learning about wikis as part of a thriving real-world community was a formative experience. When I came to Wikipedia I found myself developing working relationships, and ultimately friendships, which greatly enriched my experience. My first project was to start the article Oregon's statewide elections, 2006. I was learning myself, and wanted to share my new knowledge with others.
|When others began to improve on my work, I was hooked; it was exhilarating to see unambiguous signs that other people valued what I was doing, and wanted to carry it further.
How did you grow in the Wikipedia community to become an administrator and then work with the WMF?
I quickly found others working on Oregon-related content, including people I knew from local blogs. A few things that stoked my interest: attending open space–based conferences like BarCamp and RecentChangesCamp, and working with peers to reach out to the Oregon Historical Society [1] and the state legislature [2]. I shared my enthusiasm for Wikipedia with others in my personal and professional life, earning a reputation as a Wikipedia expert.
I began to meet Wikimedia Foundation staff in about 2008, and was flattered to learn that they followed the WikiProject Oregon blog we'd launched. They were interested in our outreach efforts. The foundation later hired me to help design a university program, which became known as the Wikipedia Public Policy Initiative. Through that work, students and professors around the world have begun to learn about Wikipedia, and I met some of the smartest and most dedicated people I know.
Wiki Strategies
When did you start Wiki Strategies? What was your motivation for doing so?
I'd been an Internet and communications consultant for several years, so it was probably inevitable that my Wikipedia interests and my professional interests would converge. I launched Wiki Strategies in 2009 (initially as a partnership with User:Esprqii, though we have amicably parted ways since). We both observed that as Wikipedia grew into a robust and widely known institution, new people and organizations were getting interested. We saw an opportunity with organizations that tried to engage with Wikipedia, but didn't get complete or useful answers through typical on-site interaction. Wikipedia's production model can be very unfamiliar, and a dedicated consultant can offer value through a customized introduction to the site.
How does Wiki Strategies deal with conflicts of interest?
Above all, we only work with clients who agree to disclose any conflict of interest, and approach any related editing in a collaborative, respectful way. We work with clients who agree to do things like stating their affiliation on their user page, and leaving notes on the article talk page and in "Wikipedia:" space when appropriate. Our clients appreciate the practical guidance about how to engage in ways that are ethical and consistent with Wikpedia's values and culture. They're happy to learn how to genuinely improve a highly regarded public resource. On a more pragmatic level, our model eliminates the risk that they will be "outed", because of the high degree of upfront disclosure. From a client's perspective, this translates to stability; there is less likelihood of something unexpected happening with an article months or years in the future, when an effort to openly build consensus has guided their work from the start.
What is the difference between being a paid editor and a "consultant"? What types of services do people pay your for?
As a consultant, my clients are explicitly interested in my expertise in Wikipedia, how it operates, and how to engage with it in effective and ethical ways. I would think "paid editor" encompasses areas where a company has already determined what they want to do, and are paying somebody to carry out a task. Not necessarily good or bad; but in a case like that, I would hope they have a thoughtful Wikipedian working on outlining the project upfront.
Do you ever edit articles that you are paid for directly?
I have never made an edit to an article on behalf of a client. (There's a slight chance I've fixed a typo, or similar, without thinking.) However, I routinely advise clients (and others, in my volunteer efforts) in how to edit articles in an open and respectful way. Typically, clients are "on the clock" while making those edits, and they clearly disclose what they are doing. Here is an example of a client's work. The history and talk page may give a better idea of how Wiki Strategies helps clients with articles about themselves.
If you don't edit articles directly, but you do edit the text of client drafts, can you be sure that your clients are not editing directly? If they were, does that mean you're paid editing by proxy? Do you provide guidance as to what clients should do next once you're done working with them?
I go to great lengths to set clear expectations with my clients prior to starting any paid work. I work closely with them through their first edits; if they were to stray significantly from what we agree on, that would just be weird – it would be a significant betrayal of a trust-based relationship we've both invested in. I suppose I'd end the project, and scratch my head about why they had hired me to begin with. When I look back at past clients' articles, I've never seen anything that raises any flags for me. In the few cases where they're still engaged, they're doing good work and being open about their identity.
What has surprised you about working with clients? What's the most common misunderstanding they hold about Wikipedia?
|As a consultant, I have learned to ask a lot of questions and listen carefully when getting to know a prospective client. On Wikipedia, such discussions often get skipped over while we deal with massive quantities of information. I think as Wikipedians, it's tempting to focus on the worst-case scenario (inserting non-neutral material) rather than considering the broad range of reasons people and organizations might want to engage.
Have you ever turned down a client?
Yes. I get inquiries from people and organizations who are marginally notable from time to time. I typically advise them that resources spent on making the case for notability are not a good investment, and are better spent on other kinds of earned media.
How much do you earn from your consulting? Is it your primary job? Enough for spending money? Quit your day job? Retire early?
All my income relates to Wikipedia; it's my day job. I am comfortable with my income, but I won't be rich any time soon.
At heart are you a regular Wikipedian who's paid for working on Wikipedia on the side, or a consultant who occasionally does editing unrelated to your company?
A Wikipedian, without hesitation. Yes, I believe it's important to maintain a strong connection to the volunteer-driven nature of the project, and I'm not sure there's a better way to do that than through volunteer work.
You've managed to do what many experienced Wikipedia editors would dream of, which is to make money around Wikipedia. Do you think your path is a feasible one for other editors?
|As demand for services relating to Wikipedia grows, it's imperative that we point the way toward practical steps companies can take that are built on the site's core values and policies.
You're getting paid to do what many do for free. Is that fair? Can the community survive with a split between those who are volunteers and those who are employees?
I disagree, in two respects: (1) I continue to volunteer heavily, and I don't think I could be a very effective consultant if I didn't; and (2) my paid work is very unlike my volunteer work. At the core, it's about gaining an understanding of my client's strategic objectives (either as an organization, or on a specific project) and exploring where it does or doesn't align with the strategic objectives of Wikipedia/Wikimedia. I don't believe this is work that takes place routinely in the volunteer community. There are some excellent examples where it has, but I doubt very much if the Wikipedians who have done this sort of work as volunteers imagine themselves doing so in a volunteer capacity for any length of time.
No, I don't believe the community could survive a split of this kind. I believe it's essential that paid consultants act as, and be accepted as, members of the community. This means actively serving the site's mission to connect all humanity with the sum of all knowledge. Our community has always been diverse, with writers, software developers, photographers, Foundation staff, etc.; the fact that paid consultants have a different approach than volunteer editors shouldn't exclude them from the community. But effort on the part of consultants and of other Wikimedians is needed for the relationship to work well.
What is Wiki Strategies working on now and next?
My major projects are not ones where a conflict of interest is central. Our current focus is on broader projects. For instance, supporting volunteer improvement of a broad topic area, earning a reputation as a good digital citizen, or learning about online collaboration and publishing through engagement with the Wikipedia community. I believe such projects have a lot more potential, both to advance the Wikipedia mission and to have a positive impact for my clients. Currently, my two main projects involve helping organizations contribute to broad topic areas on Wikipedia (such as Consumer Reports [3] and the Open Education Collaborative Documentation Project [4]). These projects are exciting to me because I see great potential to build bridges between different groups that share core values, but approach their day-to-day work in very different ways. I have some side work advising on articles that involve more direct conflicts of interest (along the lines of the Pixetell example above), but it's not my central focus.
Companies and other organizations have rich and complex relationships with knowledge generation and dissemination. Some have vast archives of research that may be hidden from public view, only because they see no easy way to share them. Some have business models that would simply work better if the public had better access to factual information. Some may have good reason to worry about casual or inaccurate Wikipedia editing on the part of their employees, and want to learn what they can do. Encouraging and helping organizations to openly and respectfully explore how Wikipedia may relate to their efforts has become my central focus, so I no longer do many projects that focus on one, or a few, articles about a company itself. To read more about current projects, check out the Wiki Strategies blog.
Are you hiring?
No, but we are beginning to explore what kinds of tasks can be spread among sub-contractors. I would like to be in a position to hire Wikipedians in the next year.
Conflict of interest policy and practices
What do you think of Jimbo's strong stance against direct editing of articles by COI editors?
A strict prohibition on article editing for editors in a conflict of interest would go against healthy, everyday Wikipedia practice, and would have devastating consequences. Conflicts of interest are common, and only some of them involve money. They can be managed through ethical behavior and sound judgment. Striking the right balance can be a challenge, but new and experienced Wikipedians challenge themselves to value neutrality above their own opinions every day, often with excellent results. Numerous organizations have, and will increasingly develop, an interest in contributing to Wikipedia. If we were to prohibit them from ever editing articles, there would be two major results. In cases where directly editing an article is common, accepted practice (for instance, non-controversial edits), (1) we would throw away any ability to influence how they edit articles, and (2) we would create a situation where such edits could not be disclosed, for fear of being punished. We would effectively be promoting secrecy over disclosure and accountability.
In little over a decade, we've developed a new model of peer production, knowledge management, and publication. We have built the largest, most widely read body of work in human history. Along with these accomplishments comes responsibility: we have to help the people and organizations of the world understand how to make sense of Wikipedia, and how it relates to their work. We are "the encyclopedia anyone can edit." Establishing and adopting practices about how to do so is the way to stay true to that vision; excluding entire classes of people is not. To simply tell organizations "no, you can't participate" is not a practical or reasonable approach, doesn't align with day-to-day, normal practice on Wikipedia, and wouldn't align with our mission. At the core, it would be an abdication of our goal and responsibility to improve the way knowledge moves through society.
|We are "the encyclopedia anyone can edit." Establishing and adopting practices about how to do so is the way to stay true to that vision; excluding entire classes of people is not.
Do you see a need for the community to keep out paid/PR/COI editors?
Wikipedia is founded on inclusion, not exclusion. While any serious Wikipedian should be concerned about the influence of special interests (monied or otherwise), excluding broad categories of contributors, whether from the entire project or from editing article content, is the wrong way to go. That kind of exclusion would go against everyday, healthy Wikipedia interaction, in which reasonable contributors engaging in respectful ways are treated well. It would also take us in a new direction, in which there are giant asterisks next to our core policies of Be Bold and Assume Good Faith.
It's reasonable to expect people with conflicts of interest to clearly disclose them, and to respect emerging consensus even if they don't like it; but it's not reasonable to treat them as second-class Wikipedians. What's more, every one of us has various conflicts of interest. Ideally, we develop skills that help us minimize the impact of those conflicts on a project devoted to neutral information. People in a professional role are no less capable of developing those skills than anyone else, but it would certainly be helpful if other organizations' policies toward Wikipedia were to develop in ways that fully support Wikipedia's mission. That aspiration is at the core of my consulting work.
How can the constructive paid editors be accommodated while still dealing with the unethical ones?
I am continually impressed with the efforts of Wikipedians to deal with counterproductive editing. But there is always room for improvement. I believe organizations that value Wikipedia for what it is can be important allies in that process. Their actions can be used to guide future efforts by other organizations; and their reports about positive experiences based in ethical practices can reach audiences difficult for Wikipedians to access directly. Above all, I believe it is of critical importance to develop strong and clear consensus that openness about one's affiliations is a key component of ethical engagement with Wikipedia. By "consensus," I don't mean mere agreement just among Wikipedians, but also among the general public, companies, non-profits, government entities, and thought leaders in general.
The world is learning to love and value Wikipedia. At the moment, the absence of clear and actionable guidelines about how to engage constructively leaves everything up to individual interpretation. Without those guidelines, much of that interpretation will be self-interested. Consider this: given a genuine choice, what organization would want to be perceived as an adversary of Wikipedia? By offering useful guidelines for organizations on how to engage in ethical and productive ways, we have a tremendous opportunity to influence organizational behavior. Strange as it may seem, ethical guidelines need not be formal or enforced to be useful and effective. My clients ask me all the time: "what's the right way to do it?" Through all the work we have done as Wikipedians, we have established our own authority and influence. We have more power to advance our mission through straightforward communication than we tend to realize.
There's a long list of scandals dating back to MyWikiBiz through WikiScanner and BellPottinger, in which COI editors have been exposed, blocked, embarrassed. If you were Gregory Kohs in 2006, would Jimbo have blocked you? Why do you think you are still in good standing with the encyclopedia?
The Bell Pottinger story provides a plain-as-day example of the risks inherent in a simplistic, short-sighted, and unethical approach to engaging with Wikipedia.([5][6]) As such it is valuable to us as a movement, and to businesses considering whether and how to engage with Wikpedia. By failing to think through the best way to engage with Wikipedia, Bell Pottinger let its clients down and exposed them to backlash. They created a situation where principled Wikipedians had no choice but to publicly criticize the firm and its practices, and reverse the damage. As for myself, I like to think I'm in good standing with the encyclopedia because I continue to advance its mission on a daily basis, in an open and collaborative way – both in my paid work and in a volunteer capacity.
Do you think WP:COI needs to be updated, promoted to policy, or demoted to essay status? Should policy prohibit direct editing by paid editors?
It's good as is. I especially appreciate the bolded sentence in the lead paragraph: "Where advancing outside interests is more important to an editor than advancing the aims of Wikipedia, that editor stands in a conflict of interest." The page is very useful in establishing relationships with my clients. It provides a clear picture of how conflicts of interest can be problematic for Wikipedia, without outright denying the possibility that a person with a COI might be able to make a valuable contribution.
Should COI disclosures be required for paid editors?
Creating a requirement, given the project's strong dedication to individual privacy and anonymity, strikes me as impractical in the extreme. I do think it's important to establish a strong consensus, extending far beyond Wikipedia's inner circles, that openness and transparency are critical to ethical and effective engagement with Wikipedia, especially when there is a clear conflict of interest. Clearly articulating the benefits of disclosure, and advancing it as common practice in numerous small ways, will ease tensions between Wikipedia and other entities. (I'm not advocating a fundamental change – there are tons of great anonymous editors – but I do think we would be better off if it were more the exception than the rule, moreso where conflicts of interest exist.)
Should editors be able to advertise their services *on* Wikipedia?
Advertisements are disallowed by policy. We've gotten really good at dealing with this in article space (e.g., "Company X makes product Y" is generally OK, but a graphic listing specific prices, slogans, etc. is not). If we weren't distracted by the "paid editor" component of this issue, I think we'd all agree the concept translates directly to user space. Mentioning a service in passing is one thing; boldly advertising it, with a rate, at the top of a user page -- that's something else entirely. That's advertising, and advertising is prohibited.
What do you think of recent efforts to improve relations between the PR industry/paid editors, and Wikipedia. I'm thinking of CREWE and WikiProject Cooperation in particular.
Improving relationships is always a worthy goal. But the interest public relations firms have in Wikipedia doesn't usually align strongly with Wikipedia's mission. I'd be somewhat surprised if a clear and positive path forward emerges from the PR industry; but I've been surprised by many things in my time as a Wikipedian, so I wouldn't rule it out completely! In my own business pursuits, however, I see better opportunities with other kinds of businesses and organizations.
The big picture
What is your plan for the next five years with Wikipedia? What do you think its biggest challenges are, and how do you see the community addressing them?
As a participant in the Wikimedia strategic planning process, I take a great deal of pride in the five-year plan that emerged [7]. The dedication and creative energy of the community has always been essential to advancing the project. I'd like to see a Wikipedia where the community of contributors better reflects the diversity of the broader world, in all aspects; currently, the low representation of women and the global south in our contributor base strike me as major shortcomings. In building community around wikis, I've found that helping people understand the potential of the medium, and the values that have brought it to its present state, are vital ingredients. That's why I focus my efforts in these areas.
What's your favorite quote or piece of advice about Wikipedia?
In the occasional cynical moment, Valfontis' Law resonates pretty strongly! ("The amount of time and effort spent explaining policy and procedure to any user is inversely proportional to the likelihood that user will become a productive editor.") But overall, I'd have to go with the nutshell version of the Be Bold policy: "If you see something that can be improved, improve it!"
- Peter, the article you give as an example, Pixetell, is a good example of how your paid work relates to the work of other editors. The version originally written by the company;s writer was [8] , which was revised on the basis of objections and submitted for review on May 10 2010, as [9][User:DDcook/Article draft]; this was critiqued on the talk page by an excellent and stringent volunteer editor, now only semi-active. I gather you then guided the rewrite to produce the version that is now the basis for the article []http://en.wikipedia.org/w/index.php?title=User:DDcook/Article_draft&diff=next&oldid=363454536]. It was then improved further by that volunteer. Your contribution was to guide the user to rewrite properly, but it was the volunteers who found the problems.
- I have been similarly asked by paid editors to review their work, and if I approve, move it into article space. This amounts to asking me to do the work of identifying errors, telling them how to correct them, and taking responsibility for the final product. I have recently stopped doing this, for unless I rewrite completely, the final product, though technically acceptable, is not of the quality I would write myself. I'll help volunteers or even naïve editors from an organization with rewriting, or even rewrite for them, but I see no reason why I should do for free the work of someone who is receiving payment for being an expert.
- But the consulting you are now doing is of a different order. It includes formal instruction.[10] The Wikimedia Chapter of which I am a member offers similar workshops, without any charge, for anyone in tour geographic area--as do other chapters. I see the role of paid people, whether working free-lance or for the foundation, to be to carry out the necessary work which for a variety of reasons cannot or is not being done by the volunteers--but only that work. I do agree that much of the work you are doing is of that nature, work for which there are insufficient adequately skilled volunteers. You are supplementing the outreach of the WMF staff, and probably doing it better, for you have more Wikipedia experience than any of them. DGG ( talk ) 23:59, 1 May 2012 (UTC)
- I see this as opening the door, although it's apparently been going on for a while. It drains my interest in improving articles and educating editors, as others are getting paid but not me. Maybe this is best for wikipedia and certainly the wave of the future. So it goes! MathewTownsend (talk) 01:24, 2 May 2012 (UTC)
- David, since from our past conversations I know you are not shy about speaking up when you see a problem, it means a lot to me that you have found some value in the work I do. I agree with you that paid activities should not replace volunteer activities. I do in some cases, where available, steer clients toward free resources or workshops, in some cases to supplement what I am doing for them, or in others instead of proposing paid work at all. (For instance, I have gotten a couple inbound inquiries that were extremely straightforward, where the caller would have been happy to pay a couple-few hundred dollars to take care of an issue; but if it can easily be taken care of by sending a quick email to OTRS, or making a straightforward request on a talk page, I just send them that way. In some cases that means taking 20 or 30 minutes to put together some clear instructions for them, but I'm happy to do that sort of thing without charging.
- The volunteer work I am still motivated to do, though, is generally stuff that it's unlikely anybody would ever pay to do. Recent articles I've worked on are of women in Oregon history, an interesting old ferry boat that was converted to a houseboat famous in 1960s San Francisco counterculture, and the extensive plan drawn up in 1904 that served as the blueprint for Portland's park system. I was never one to work on articles about moderately notable software products as a volunteer to begin with; and judging by the tiny number of Wikipedians that added substantively to the Pixetell article over the years, I don't think I'm the only one. -Pete (talk) 07:39, 2 May 2012 (UTC)
- Peter's name comes up a lot on the issue of paid editing, so it's interesting to get some more perspective on what he does. I feel like there is a slight woosh, because he's focused on GLAM-type projects, where the editors are paid, but there is no COI. This is a bit different from where the controversy is. User:King4057 (COI Disclosure on User Page) 18:27, 2 May 2012 (UTC)
- Though I don't have any GLAM clients, it's true that it's a major area of interest. But every organization engaging with Wikipedia needs to think through how to deal with its conflicts of interest. Every project involving Wikipedia must take stock of relevant COIs, and proceed with a clear and sound plan of how to deal with it ethically. I can't imagine what substantial content improvement project could exist in which COI is simply not a factor. Checking one's motivations and biases is always important when working on Wikipedia content, and all the more so when an organizational decision is involved. -Pete (talk) 20:33, 3 May 2012 (UTC)
- Sounds to me like Peter's a paid editor by proxy. Same thing as directly editing. Peter tells them what to say, maybe reads over their printouts, maybe even sits right next to them as they edit? I don't really see the difference between "paid editing" and what Peter does. Glad he got friendly with WMF in 2008. Means he's probably immune from suspicion, I guess. I think it's more than a "slight woosh". MathewTownsend (talk) 20:53, 3 May 2012 (UTC)

subset: commoncrawl


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Mon. Aug. 29 is the first day of classes! Check out your schedule on CyberBear, have a great first week and join all CFC students at our welcome picnic Thurs. Sept. 1 at 5 p.m. in Bonner Park.
What effect does stream restoration have on streamflow and other qualities? Grad student Christine Brissette is working with professor Kelsey Jencso to find out — and getting grants to support her work.
Congratulations to recent ecological restoration graduate and new master's student Christine McManamen for receiving a $4,000 scholarship from National Garden Clubs, Inc. She's working with professor Cara Nelson.
Join professors Brian Chaffin and Alex Metcalf for NRSM 215: Field Studies in Conservation and earn one credit in one full weekend of class, traveling across western Montana to learn about current issues in resource conservation. Learn more.


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I am wanting to put together a support section for my website, and I want to do it in my WordPress (which I am new to, but I already love it - excellent work guys.)
What are you using to run this support site, the forums and discussions bit? I cannot seem to find anting in the tools or bits of wordpress that I have been exposed to that makes anything look like this?
Any help much appreciated.


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For any business that has found itself with many RSS feeds from a single site or through many sites and had no way to share these feeds with visitors in a cohesive, useful way, we built the RSS Widget Creation Tool. It originated with a major book publisher that had an incredibly popular blog with many categories of information (each with it's own RSS feed), and an enormous catalog of titles with new releases being added each day (again with each category having it's own RSS feed). Bloggers, … [Read more...]
Computer Science Education Week & The Hour of Code
Today is the kick off of the 2013 Computer Science Education Week and this year the big push if behind the "Hour of Code" initiative. The idea is to get students to go hands on writing some code. As a guy that does this work for a living, I think it's great to expose kids creating with computers. It's funny when I talk with my peers, without fail there's a story of when they were 10 or 12 years old and got their first computer. … [Read more...]
Not Knowing Really Isn't Okay Anymore
After reading Clay Shirky's post regarding the Healthcare.gov failed rollout, the idea that it was still okay for management not to understand technology kept popping up. This is something I've been thinking about for a few years, so maybe that's why certain parts were so prominent to me. Lines like: Then I saw the look on their faces as they considered the programmer's offer. The look … [Read more...]
I'd bet Mozart wouldn't have been a 'Code – Save – Refresh' guy
When building a website and especially (for me) while trying to tune in a particular style with CSS, the "command-s" and "command-r" keys, by all rights, should be worn off of my notebook. See, these are the 'quick keys' for Save and Refresh. Here's the drill... Change the style, save it, and refresh the web page to see what it looks like. Just as Mozart didn't need an orchestra in front of him to play the parts before … [Read more...]
Painless Facelifts
One of my favorite things about Wordpress is the ability to quickly change the look of the site while all of the content just pops into place. Recently we updated 6 sites for John Wiley & Sons. They wanted the color scheme changed from green to blue with a new logo added. A few of the sites had hundreds of articles already produced, so in the old days, this would have been a long process. But by changing a few things in the Wordpress theme CSS, we updated all the sites in no time. I … [Read more...]
CollegeHumor Founder Has Advice
In the latest newsletter from the University of Richmond, they include a quick profile of Josh Abramson, the co-starter of CollegeHumor.com. At the end of the interview he gives some advice to students: "Students need to learn how to build websites — it's probably the most coveted skill in New York City right now," he said. "If you have the business and the technical savvy, you'll be incredibly well positioned." This isn't great advice for just students, … [Read more...]
Become a Publishing Powerhouse
So you've had a book idea on your mind for months (maybe years) but never followed through because you couldn't find an interested publisher (and, well, writing a book is hard work!). Well, now, with a little elbow grease, you can get distribution to millions of readers, publish on your own terms, and even have complete control of the finished product! Yesterday, Amazon.com announced their new tool set for building books in their new KF8 (Kindle Format 8 ) standard. Here's a clip from the … [Read more...]
Books in HTML? Yep.
Amazon.com announced their new format for ebooks: Kindle Format 8. Goodbye to .mobi and .epub? I think so. This new format will use the language of the web: HTML 5. This new version of HTML is delivering fantastic sites with video, animations, wonderful fonts and layouts, and more. Here's an example from Apple, and here's another … [Read more...]
FileMaker & MySQL are an Awesome Combination
Late last year we went live with a website that was fundamentally a big database that was accessed and maintained through a browser. It was fantastic because it was secure, easy to design around, flexible to port the data to other websites for other purposes, and maybe most importantly - accessible to anyone in the office that had an Internet connection and a web browser. At home, at work, on the beach, where ever - as long as they were connected to the web, they were connected to their live … [Read more...]


text: Mitt Romney Is Your Household Politically Divided? By Lee Hill Oct 10, 2012 Read More World's Attention Shifts to Denver Sep 29, 2012 CPR News More than 3,000 journalists will converge on the University of Denver Wednesday for the first presidential debate between Barack Obama and Mitt Romney. Read More CU Model: Economy Points to Romney Victory By Pat Mack Aug 23, 2012 A University of Colorado forecast predicts Republican Mitt Romney will win the presidential election this fall. The peer-reviewed model is new. Read More Romney Rallies Colorado Crowds By Anna Hanel Aug 3, 2012 Read More Hide Take CPR With You Wherever You Go Stay connected to CPR while you're on the go, with the free Colorado Public Radio app for smartphones and tablets. Get details


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Welcome to Vintage Finds Magazine!
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Vintage Finds Magazine is a FREE PUBLICATION, published bi-monthly and distributed to antique shops and vintage markets throughout Florida.
Check out our latest issue...
The best vintage shops, upcoming markets, antique shows and store openings. Articles about talented artists, market vendors, antique shopping and travel. If you enjoy re-purposing and redesigning furniture you will love our "Paint it" directory. This section list stores which carry decorative paint, supplies and upcoming classes in Florida.


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A week after most of Connecticut's new gun law took effect, local gun shop owners were still unclear about some of their legal obligations.
As soon as Gov. Dannel P. Malloy put his signature on the law on April 4, the sale of more than 100 types of firearms and magazines holding more than 10 bullets became illegal in Connecticut.
Dealers have been seeking direction from the state police Special License and Firearms Unit, which is responsible for overseeing and regulating all retail firearms transactions, on questions such as whether they can deliver to a customer a gun that was purchased and ordered before the ban but hadn't arrived at the store by then.
"How can they give us instructions when they don't know how to implement the law themselves?" asked Ron Rando, owner of Ron's Guns in East Lyme.
Rando said he is getting mixed signals from the firearms unit. A dealer must obtain an authorization number from the unit to allow the ownership transfer of a handgun to proceed.
"The state tells me yes, no, yes and then no again," said Rando. "They don't know what they are doing."
Michael Lawlor, the governor's criminal justice adviser, said the law was written to take into consideration just such a scenario. He said if a gun was purchased prior to taking the law taking effect, it could be lawfully delivered. But the question is what constitutes a complete transaction.
"Does partial payment constitute a complete transaction?" said Lawlor. "...I'm sure there are hundreds of scenarios that we can think of, and the state police are in the process of answering those questions."
Lawlor said the law is clear when it comes to gun shops: They can't sell assault weapons or magazines that hold more than 10 bullets. When a dealer calls for an authorization number, state police will tell the seller whether the sale can proceed, he added.
Rando said the magazine requirement is also posing a problem because he can't find any of the lower-capacity ones, noting they are in strong demand.
"I have hundreds of magazines that hold more than 10 rounds, but I can't sell them," said Rando. "I have sold guns without magazines, which makes them useless. Maybe Malloy should have a buyback program to purchase high- capacity magazines. I guess I'll have to write them off on my taxes."
Lawlor said, however, there are several ways that licensed dealers can get rid of high-capacity magazines in their inventory, such as selling them to dealers in other states where they remain legal.
Under the new law, anyone seeking to purchase a gun must now undergo a universal background check. Other provisions of the law will take effect later in the year. On July 1, residents will need a permit to buy long rifles and ammunition.
Owners will have until Jan. 1 to register rifles on the banned list and large-capacity magazines with state police. Procedures and policies will be announced "very soon," Lawlor said.
"At the end of the day, the law is reasonable and easy to implement," Lawlor said.
New London police, firefighters respond to report of man jumping in Thames River
Miami trio charged in East Lyme with producing fake credit cards
A/Z Corporation has grown from humble beginnings to industry leader
Hovercraft 'flying' travelers across Long Island and Fishers Island sounds
Waterford church continues tradition of Middle Eastern festival
Waterford soldier's remains come home after more than 60 years
Electric Boat delivers submarine Illinois early, below budget
Region still lagging in job gains, but future seen as 'bright'


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Historic Shed, a professional builder in the Tampa area, built this amazing shed as a home office. Let's talk about all of the ways that this home office shed is awesome.
+It has a cathedral ceiling. A cathedral ceiling in a shed. See full article.
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- Report: #911485
Report - Rebuttal - Arbitrate
Complaint Review: Hollywood Video
Hollywood Video8800SE Sunnyside Rd Clackamass, Oregon United States of America
Hollywood Video First Lien Lenders Liquidating Trust False Claim of Debt. Clackamass, Oregon
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As the legal successor to Hollywood Video, First Lien Lenders Trust attempted to collect a debt that I do not owe, and never owed to Hollywood Video using the collection agency, West Bay Aquisitions. At this point they have agreed to discontinue collection efforts, but maintain that it is a valid debt, which it is not.
My involvement with First Lien began on 5.11.12 when I received a collection letter (dated 5.7.12) from West Bay Acquisition demanding payment of $38.32 for video rentals from April and September of 2009. (attachment 1) I immediately called them to dispute the claim, and while speaking with the representative, I discovered
that the date of birth for the person on my name is different from my own. They then stated that they would drop the matter on the basis of that discrepancy. [continued below]....
In that same conversation, West Bay also informed me that Hollywood Video is out of business and gave me the information for the legal successor, First Lien Lenders Trust, who I copied on the aforementioned letter. Subsequently, I never heard from West Bay again, but did receive an unsigned form letter from a Steve Moore at Fist Lien Lenders It is in this letter that I was informed that Mr. Moores investigation determined that the debt is valid. At that point I
responded to Mr. Moore stating that I am not accepting his response and maintain that it is not my debt. As of this writing, I have not heard further from Mr. Moore but did get an unsigned e-mail stating that the case is closed and that no further information can be provided.
The problems with this organization are well documented Im sure that your agency is aware of the fact that there were widespread allegations of bogus debt claims and unfair debt collection practices by Hollywood Video and Movie Gallery. To excerpt and summarize from the articles available..Hollywood Video had video rental stores in all 50 states filed for bankruptcy in 2010. Its accounts receivable were assigned to National Credit Solutions, or NCS, a debt collection agency. After NCS took over, consumers started reporting numerous problems, including that NCS reported negative credit information to credit bureaus without providing consumers advance notice or the opportunity to challenge the debt. Of course you know that as a result, all of the nation's state attorneys generals entered a settlement with Hollywood Video and Movie Gallery. (Chapter 11 ) MOVIE GALLERY, INC., et al., ) Case No. 10-30696 (DOT) with the US
Bankruptcy Court. The Order was signed off on behalf of First Lien Lenders on by none other than the above mentioned Steve Moore.
Details can be found at:
http://www.legalnewsline.com/news/232641-ags-reach-settlement-with-hollywood-video and
While NCS is out of the picture, three other collection agencies including West Bay have been employed.
My concern now is, that given their proclivity for flouting the law, both before and after the consent order was issued, they cannot be trusted to end their recalcitrant practices. In fact, my case demonstrates thatthey have already reverted to the practice of assigning unwarranted debt. If they are capable of picking someone like me at random ( most others it appears had some dealings with Hollywood Video while I did not) and trying to collect a bogus dept-and refusing to acknowledge the mistake- it is only a short step away from reverting to their preconsent order practice of violating the Fair Credit Reporting Act, and reporting bad debts inappropriately to credit bureaus . It appears that they may have, in fact, sunk to a new low in their long history of abysmal behavior.
This report was posted on Ripoff Report on 07/13/2012 10:07 AM and is a permanent record located here: http://www.ripoffreport.com/r/Hollywood-Video/Clackamass-Oregon-97015/Hollywood-Video-First-Lien-Lenders-Liquidating-Trust-False-Claim-of-Debt-Clackamass-Or-911485. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Corelli - Sonata No.2 Op.5 No IV (3rd mvt) sheet music for Violin
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Christmas Concerto Op. 6, No. 8 3rd Movement by A. Corelli
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Sonata No.2 Op.5 No IV by A. Corelli
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nice photo!
All I can say then is that they have done well to last this long!
Spectacular and extraordinary architecture, i like it. Cheers from Germany, Thomas
It's amazing how far digital cameras have improved at contrasty situations like this one. I too recently bought a Sony digital - the Alpha A3000 (Nex lens system) and I'm quite impressed with the quality.
This is a super shot with the rickety fence taking us into the shot.
I went to the city beginning june 2014. Like your photos.
Magic moment, well captured. Best regards Christos
Wonderful view! L&F Greetings,Niko
Thanks Richard, Very very lucky to get these shots, the Fox was not in the least bothered by our presence and walked right up to and behind me to give this Moorhen to it's cub. The slight problem I had was my long lens would not focus down close enough and the surprise factor of panicking not to miss the shot. Thanks for the like. Cheers Stephen


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Monday, 4 March 2013
[Re-posted from Nov. 9, 2005]
Lebanon's Daily Star carries an article today with the headline: "Jordan's king to visit Occupied Territories, Israel."
Indeed, when the British, who had made solemn commitments under their power as mandatory authority, simply closed off all of Eastern Palestine (which went to form present-day Jordan) in 1921, the Mandates Commission of the League of Nations was horrified. Arab propagandists --Rami Khouri, Rashid Khalidi, Saeb Erekat, and so on -- like to refer rather quickly, and self-assuredly, to "occupied Arab lands" (or variants on the phrase) knowing that their interviewer or interlocutor will never stop to question them, about the long history of the word "Palestine" (and what it was defined as in Western Christendom) and the brief history of the phrase "Palestinian people," about the real understandings, and weighings of claims, and equities, that lay behind the League of Nations' decision to create, as it created other mandates in the Middle East and elsewhere, the Mandate for Palestine. Nor is much attention given by the BBC, or "The Guardian," or RF1 or "Le Monde," or NPR or any number of newspaper reporters, to another matter: the precise data on demography and land ownership (cadastral records) in what the Western world, but never the Islamic one until the last century, always referred to as "Palestine" or the Holy Land.
Posted on 03/04/2013 1:09 PM by Hugh Fitzgerald
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|About us
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New Canon EF Lenses
Rumours and News about Canon Lenses (includes other interesting lens information)
For several years I've been collecting information and links for Canon's new EF lenses and rumours about even newer ones. I've also written numerous articles and reviews covering lenses and photography related issues.
Previous years rumours: 2006-2008 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015
Over the years I've received all kinds of lens rumour info - some more believable/risible than others. Please do use your own judgement when reading the stuff here, and remember that what I've collected here is for entertainment as much as anything else. Oh, and that 42mm f1.0 lens that you can see at the right is a fake...
The chronology, filter sizes and date codes articles are on our EFLens.com site.
Canon EF Lens chronology 1987- |Canon DSLR chronology | Canon Lens Date codes | Filter sizes - EF lenses
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With Cuban relations starting to normalize, can Americans import Cuban classics? Bloomberg once postulated that they would, but another Bloomberg article this week pointed out that tariffs prevent Americans importing anything from Cuba that wasn't made there – which means repatriating t ... Read more
The abandoned Mercedes-Benz 300SL. Photos courtesy Piotr Degler. If you've got a passion for automobiles, chances are good you've come across the work of photographer Piotr Degler. The Spaniard, now living in Italy, has photographed cars for the likes of Ferrari, Bertone, and Zagato, as ... Read more
Photos by Graham Lloyd. In light of Wednesday's announcement that the United States would be restoring full diplomatic relations with Cuba, including the opening of embassies in both Havana and Washington, D.C., we though it appropriate to run a gallery of automotive images captured by reader ... Read more
A 1958 Chevrolet in Cuba. Photo courtesy AACA Museum and International Expeditions. Though restrictions on visiting Cuba have eased somewhat over the past few decades, for most Americans, traveling to Havana involves more than a visit to the local travel agent (or, more likely these days, Hotwire). ... Read more
The Exterminator, Carlos's 1955 1956 Chevrolet. All photos courtesy Havana Motor Club. Cubans have a passion for automobiles and motorsports that has been largely dormant since the Cuban Revolution of 1959. Though racing was never officially banned by Fidel Castro's government, the capi ... Read more
When did American car collectors first realize there were old cars aplenty still plying the streets of Cuba, albeit oftentimes powered by tractor parts? When Tyrone Shaw wrote this article for SIA #124, August 1991, it seemed as though he were introducing the phenomenon to collectors in the States. ... Read more
Our post from the other day regarding changes in Cuban law regarding passenger cars elicited quite the response, not only in the comments, but also over on the Hemmings Nation Flickr pool, where Bowen Stead, aka Flat-Black 66, uploaded a number of photos of classic American cars that he spotted sti ... Read more
Image courtesy Robert Bostelaar, caristas.blogspot.com Cuba equals old American cars. We all know that. The tailfin era never left the benighted island 90 miles from the U.S., but few realize the reasons are as much legislative as economic. Yes, a Cuban making $2 a month isn't about to buy a ... Read more
It's no secret that Cuba is a hotbed for old American automobiles. Most of these rust-free classics are from the 1940s and 1950s, and all of them are in dire need of mechanical, electrical, body and interior parts to help keep them running safely and reliably. Because American companies are no ... Read more
Cuba is well known as a haven for old American iron and many see it as a perfect market for classic car parts suppliers If you think all of the old cars in Cuba are Chevys and Oldsmobiles, think again. According to Rick Shnitzler and his Taillight Diplomacy organization, three recent discoveries pr ... Read more


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- Report: #291742
Report - Rebuttal - Arbitrate
Complaint Review: Portfolio Recovery Associates
Portfolio Recovery Associates120 Corporate Blvd. Norfolk, Virginia U.S.A.
Portfolio Recovery Services Harassing phone calls Norfolk Virginia
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I do not even owe the money they are saying I owe of over $10,000.00. They are re-designing the debt in the attempt to extort money from me.
Mission Viejo, California
This report was posted on Ripoff Report on 12/14/2007 09:31 PM and is a permanent record located here: http://www.ripoffreport.com/r/Portfolio-Recovery-Associates/Norfolk-Virginia-23502/Portfolio-Recovery-Services-Harassing-phone-calls-Norfolk-Virginia-291742. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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- Report: #972184
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Complaint Review: Active Appliance, Inc.
Active Appliance, Inc.6736 Van Nuys Blvd Internet, California United States of America
Active Appliance, Inc. Active Appliance Incorrectly reported repairs to the insurance company Internet, California
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This report was posted on Ripoff Report on 11/21/2012 10:18 AM and is a permanent record located here: http://www.ripoffreport.com/r/Active-Appliance-Inc/Internet-California-91405/Active-Appliance-Inc-Active-Appliance-Incorrectly-reported-repairs-to-the-insurance-comp-972184. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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text:
Hi I use Woocommerce which I believe has its own login/register page (site.com/myaccount).
If I enable captcha for the registration page your plugin works correctly. However when I enable captcha for the login page it doesnt show, only on the /wp-admin page. As as result my attackers are no longer using the /wp-admin page but instead are using the woocommerce login page to put strain on my server.
Please can you let me know how I can add captcha to the login page in woocommerce and/or brute force protection etc.
Screenshot: http://s13.postimg.org/e8urp9zdj/my_account.png
Thanks in advance


text:
Welcome to Bike HuggerComments
by Byron on Jun 14, 2006 at 1:43 PM
Bike Hugger is a blog for the cycling enthusiast, for the commuter, and people getting into the cycling lifestyle. We've also got product reviews in the works, ride reports, and more. Bike Hugger is about riding your bike and we're glad you visited. Today we're soft launching, in the coming weeks, we'll post more features, and later today we're going out for a long ride.


text:
- Report: #1002940
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Complaint Review: Bill Me Later
Bill Me Later10565 Atlanta, Georgia Internet United States of America
Bill Me Later Allows Theifs to Open Accounts with minimal Victims information and then goes after the Victim for Charges Internet
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I immediately contact Bill Me Later.
They informed me I had opened an account with them for a $500 credit.
I informed them this was not me and to please immediately shut down the account.
They informed me $25 had been charged to the account. I asked them to shut it down and investigate.
I received notice immediately that the account was investigated and all the information was tied to me identity so they could not close it and I was responsible. However, they were sending me a packet in case I wanted to file a police report.
I called Bill Me Later back and asked them to please not keep the account open while I contacted the police and filed their paperwork and Bill Me Later. They told me the could not close the account until the $25 was paid. After some debate I offered to pay the $25 if it meant they would close it. They then told they did not accept credit cards over the phone. Ridicolous, they would accept a criminals stolen information to open the account, but would not halt the account, nor allow me to pay the account off that was supposedly my own account! At this point I am having to wait until the police complete their own investigation, meanwhile the criminals are allowed to purchase against my name and I am stuck with the bill. Where has American gone so wrong?
This report was posted on Ripoff Report on 01/24/2013 08:01 PM and is a permanent record located here: http://www.ripoffreport.com/r/Bill-Me-Later/internet/Bill-Me-Later-Allows-Theifs-to-Open-Accounts-with-minimal-Victims-information-and-then-go-1002940. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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- Report: #530986
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Complaint Review: ADTS SECURITY PENSACOLA
ADTS SECURITY PENSACOLA1300 E Olive Rd Pensacola, Florida United States of America
ADTS SECURITY PENSACOLA BEWARE!!!! THESE PEOPLE ARE HORRIBLE Pensacola, Florida
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Crazy.... don't use these people. They are a real joke-- all I imagine is an office full of FAT, NASTY, UNHAPPY SOULS. I hope life gets better for them. What a horrible job to have.. and to be so angry and unhelpful. Gross.
This report was posted on Ripoff Report on 11/30/2009 04:07 PM and is a permanent record located here: http://www.ripoffreport.com/r/ADTS-SECURITY-PENSACOLA/Pensacola-Florida-/ADTS-SECURITY-PENSACOLA-BEWARE-THESE-PEOPLE-ARE-HORRIBLE-Pensacola-Florida-530986. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Skip to comments.Federal agents' pre-dawn raid on reporter's home raises questions
Posted on 10/28/2013 8:52:02 AM PDT by BulletBobCo
click here to read article
It's worse than that. The only cops I've seen commenting on this kind of stuff are cops defending these kinds of actions.
With the exception of retired cops who are as offended as the rest of us.
We are on our own BRK, and that includes you. It's us vs them.
And I'm sure they'll be along shortly to deeply criticize you for not supporting the Police State.
The first head of the TSA was a Coast Guard admiral.
The Coast Guard was always a part of the Department of Transportation, except during wartime, when they were under the jurisdiction of the Department of the Navy.
In the aftermath of the September 11th attacks, the Coast Guard is part of the Department of Homeland Security, which is rapidly evolving into America's Stasi.
My dad was in the Coast Guard during World War II. I no longer trust or respect the present day Coast Guard, sad to say.
The best defense to this is an old scam.
The way to best describe it is in how it was typically used.
A bank robber steals $500. The bank reports $50,000 was stolen. The bank then gets $45,500 in insurance payments as pure profit, less the actual $500 stolen.
In this case, since the DHS has stolen his notes on who in the government was leaking, he should come out and announce who in the DHS and administration was leaking to him, which is why they wanted to "cover it up".
He could really publish a fiction novel without a shred of evidence. "Hillary-Napolitano-Holder Love Triangle!"
To be honest I'm surprised they're not here already saying "we don't know the whole story" and "you want them to go home to their families at night don't you" etc. Maybe there was a sale on Kiwi and they're all getting high on the fumes.
Any context to this photo, as to why the jackboot thugs were pointing the barrel of a firearm in the face of the motorist?
Who took the picture?
Shoot the bastards!
Rather die like a free man than live like a slave.
Thank you for this. It's right on the money.
Right, that is what I remembered, but what did he do to get convicted of Felony Resisting Arrest? That could be the reason they used a SWAT team for the felon in possession case or he had a really bad lawyer.
AP Photo: Checkpoint Cops Point Guns at Americans Heads
Fallujah-style security comes to Sacramento
Paul Joseph Watson
October 28, 2013
After a gang member shot and injured several law enforcement officials before going into hiding in a Sacramento suburb on Friday, police responded by setting up a checkpoint and aiming guns at innocent peoples heads, an AP photo shows.
The photo, (credited to AP Photo/The Sacramento Bee, Randall Benton) is captioned, A California Highway Patrol officer and another emergency responder stop a vehicle at a checkpoint near the neighborhood where a federal immigration officer was shot and three local police officers were wounded during a violent confrontation with a suspect in the Sacramento suburb of Roseville on Friday, Oct. 25, 2013.
After an hours-long standoff, the suspect, 32-year-old gang member Samuel Nathan Duran, eventually surrendered after leaving a nearby house in which he had been holed up.
The felon responsible for the shootings was a wanted parolee and was already known to police having been seen riding a bike earlier in the day. His description would have been well circulated and known intimately by those tasked with hunting him down.
So why were Americans innocently driving their cars through the suburb of Roseville subjected to treatment that wouldnt have looked out of place in Stalinist Russia, or more recently in Iraq or Afghanistan?
As we saw during the Boston bombings manhunt, in complete violation of law, police seem to believe that so long as they are hunting a potentially dangerous suspect, the Constitution is null and void, and that martial law is in effect.
The militarized lockdown of Watertown, Mass., during which heavily armed officers went door to door without search warrants terrorizing families at gunpoint and ransacking homes, led Ron Paul to observe that the manhunt was more frightening than the attack itself, saying it resembled scenes from a military coup in a far off banana republic.
We do. It's in Article V of our constitution. If it isn't utilized, it is entirely our fault.
That's very sad to hear — I didn't realize they had gone so far over to the darkside too.
You don't think they monitor this site along with FB and others? My daughter is always telling me the black helicopters are gonna get me. I don't think she's kidding.
Hate to inform you but the MSM works for Hitler and the Gestapo.
The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized.
If their warrant didn't particularly describe the paperwork that they seized from her, than they violated the warrant and committed a theft. They could have gone and drafted another one to get that stuff, after articulating to a judge why they wanted it.
Those things are pretty specific for a reason. It prohibits the police from going on fishing expeditions, as it appears in this case.
But, at the end of the day, absolutely nothing will happen. Have to protect the state at all costs.
There, better?
If it makes you sleep better.
I didn't take it badly. I saw your point.
(I love how the pic shows the 10-year imprisonment form of the second, just on its face.)
Those PVC potato guns are supposed to be a LOT of FUN! Don't they use lighter fluid as a propellant?
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


text:
Latest ICAAC Coverage
New Tenofovir Outperforms Old Version9/22/2015
Efficacy and safety better in open-label trial more
Women-Only HIV Trial Hailed as Landmark
9/20/2015 |
Study supports single-pill treatment regimen more
ICAAC/ICC: Ebola, HIV Research on Tap
Joint meeting focuses on infectious diseases and ways to treat them more
Single-Pill HIV Therapy Proves Less Toxic
WASHINGTON -- An investigational single-pill regimen for HIV -- the first to be based on a protease inhibitor -- was less toxic than a similar regimen using separate drugs, a more
WASHINGTON -- The Ebola outbreak in West Africa will be on the agenda when clinicians and researchers gather here for the 2014 Interscience Conference on Antimicrobial Agents and Chemotherapy. more
'Quad' PIll OK for Older HIV Patients
DENVER -- A four-drug "quad" pill for HIV works as well in older patients as it does in those under 50, a researcher said. more
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- PodMed: A Medical News Roundup From Johns Hopkins


text:
With Instructables you can share what you make with the world, and tap into an ever-growing community of creative experts.
After trying a few recipes, I've come up with what I think is thee best s'mores cupcake I've ever had! Jeff from Bomb the Music Industry! said it ...
Crush graham crackers in a food processor, so that you end up with finely chopped crumbs. In a small bowl, mix together the crushed graham crackers, granulated sugar, ...
On top of the graham cracker crust, add 5 mini marshmallows. You can add more if you'd like it to be extra gooey. =)
I'll admit that I cheat on this step & use a box cake mix, but if you're feeling particularly domestic, I encourage you to use a favorite recipe ...
Melt the remainder of the mini chocolate chips in a double-boiler. Once the chocolate is completely melted, scoop about a tablespoon on the still-hot cupcakes, being sure to ...
Working quickly, top each cupcake with roughly 25 mini marshmallows, being sure to smoosh them together, so they're not rolling off the top when you move them. Stick ...
This step is optional, but super cute & worth the little bit of craftiness!! Print small pictures off the computer, or hand draw them, & carefully cut them ...
These adorable, tasty treats are perfect for fundraisers! Who can resist a s'mores cupcake?!?
This last step is pretty obvious.. eat & enjoy!!! You're gonna love 'em!!
S'mores Cupcakesby Toglefritz
S'mores Cupcakesby elco_chan
S'mores Couture Cupcakesby Marishas Couture
April's S'mores Cupcakesby jpgannon
S'mores Cupcakes {they are AMAZING}by We Lived Happily Ever After
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Training runs...taking different routes, finding new places to run and determining what workout to run....
I have recently be running longer and soon will be approaching a run that is longer than I ever have run before. I am really excited about going the distance. So far I will be running a 5K at the end of this month in Batavia, IL called the Fox Trot 5K and I am also thinking about running a Half-Marathon in Chicago in September. This along with my training should hopefully prepare me to run the Marathon at Disney in January.
I am attempting to post some html code that will show my running progress, but am not sure that it will work on this blog....so if it is unviewable and you understand how to make it work, please reply to my blog and I will fix it.
Thank you for everyones support and I wish everyone a blessed Easter weekend!!
!http://www.dailymile.com/images/badges/dailymile_badge_180x60_orange.gif|style=border: 0;|alt=Running Training Log|src=http://www.dailymile.com/images/badges/dailymile_badge_180x60_orange.gif!</noscript>
This blog is to track my daily thoughts about running. I will list my personal private feelings for the day, maybe talk about the weather and local events and simply the motivational factors on my way to training for the Marathon at Walt Disney.
View Mouserunner's profile
Saturday March 28th, 2009 Training Continues-Running Store Visit
Whoa, hey, I just realized.......
Active Giselle
Wednesday March 25th, 2009 Training for Disney 2010-Living Strong, Change Management
ACTIVE is the leader in online event registrations from 5k running races and marathons to softball leagues and local events. ACTIVE also makes it easy to learn and prepare for all the things you love to do with expert resources, training plans and fitness calculators.


text: Hello, I am new to the community but I wanted to pose a question. I am 29 weeks almost 30 weeks pregnant. I am completely exhausted. I have a three year old son and I work full time. I am sleeping for the most part thru the night except for an occasional bathroom break. But during the day I barely make it to lunch time, then after lunch I am fighting with all my strength not to fall asleep at my desk. Is anyone else this tired. I don't remember being this tired with my son.