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Fact Sheet 24:
Protecting Financial Privacy:
The Burden Is on You
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Privacy Rights Clearinghouse
- Introduction
- Financial Privacy 101
- More About Privacy Notices
- Information Flow - How Data Comes and Goes
- Outsourcing - The "Service Provider" Loophole
- Joint Marketing Agreements - Watering Down Your Opt-Out
- Affiliate Sharing - Can You Stop It?
- Financial Privacy - California Style
- What You Can Do to Protect Your Privacy
- File a Complaint
- Resources
Used to be, your bank handled your checking and savings accounts. You visited your insurance agent for life, auto, or homeowner's insurance. And, if you wanted to "play the market," you called your stock broker. Federal legislation changed all that.
The Financial Services Modernization Act allows banks, insurance companies, and brokerage firms to operate as one. The law was implemented in 2001 and is also known as the Gramm-Leach-Bliley Act or GLB. The combined companies have been aptly dubbed "financial supermarkets." They may promise you such benefits as consolidated account statements and lower fees. But at the same time, the ability of these companies to merge customer data from several sources and even sell it to third parties represents a real risk to your privacy.
Information about you kept in the files of financial institutions is now, and always has been, some of the most sensitive, personal information imaginable. Surprisingly, before GLB there were few restrictions on a financial institution's ability to share, rent or sell your personal information. Most companies share your information by renting or leasing customer data to third parties for a one-time use. Even though financial companies are likely to be renting customer data, we use the word "sell" to indicate that customer data exchanges hands for a fee.
Title V of GLB (15 U.S.C.§§ 6801-6810) gives you some minimal rights to protect your financial privacy. Privacy notices started appearing in your mailbox in 2001. Since then efforts have been made to make the notices easier to understand. However, no matter how short or clearly written, the message is still the same. The burden is on you to assert your rights.
Does GLB give me control of my financial information?
Not much. GLB only gives you the right to opt-out. "Opt-out" is contrary to the "opt-in" approach preferred by most consumer and privacy advocates. Opt-in prohibits a financial institution from sharing or selling your data if you do not give your affirmative consent. With opt-out, you give your implied consent by failing to return the privacy notice sent to you by your financial company. So, if you say nothing, it means "yes, you can share my data." The default for the opt-out approach is that your data is shared until and unless you notify the company otherwise.
Your right to control your personal financial information is further diluted by GLB's "joint marketing" exception. This means your company can share your information with outside companies by entering into an agreement to sell you a financial service or product. You cannot opt-out when it comes to joint marketing. For more on joint marketing agreements, see Part 6 of this guide.
What privacy rights do I have under GLB?
GLB requires that your financial institution give you notice of three things:
- Privacy Policy: Your financial institution must tell you the kinds of information it collects about you and how it uses that information.
- Right to Opt-Out: Your financial institution must explain your ability to prevent the sale of your customer data to third parties.
- Safeguards: Financial institutions are required to develop policies to prevent unauthorized access to confidential financial information. These policies must be disclosed to you.
Will the privacy notice come from my bank?
Yes. And if you have active accounts with a brokerage house, credit card company, or insurance company, you will receive a privacy notice once a year from these institutions as well. In addition, the term "financial institution" includes companies you might not consider to be financial institutions such as payday loan companies, collection agencies, and travel agents. For this reason, it is particularly important to carefully review all notices you receive in the mail.
As a small business owner, how do I know if I have to send a privacy notice to my clients?
Some small business owners are every bit as confused as consumers about how GLB applies. In short, any company that deals in "financial services or products" is a "financial institution" and must provide its customers with an annual privacy notice. This broad definition means that small companies that provide real estate settlement services or collect debts for other companies may be required to send an annual privacy notice. It is the kind, not size, of your business that determines whether you are required to send a privacy notice. The Federal Trade Commission's Financial Privacy: Business Guidance provides online guidance for small business owners on this topic.
The FTC's web site also includes specific guidance for automobile dealers, and mortgage brokers. Accountants no longer have to send an annual privacy notice. Tax preparers that are also certified public accountants are exempt from GLB compliance by a 2006 law, the Financial Services Regulatory Relief Act (FSRRA), Pub L. 109-351 (2006).
For a full summary of the FSRRA Sections, see the Congressional Research Service Summary of FSRRA of 2006.
July 1, 2001 was the deadline for companies to send out initial privacy notices. After that, financial institutions had to send such notices annually. But the annual notices don't necessarily arrive around July 1 of each year. Companies now can pick any twelve consecutive months, as long as they are consistent.
Will I receive a notice for every account?
If you have more than one account with any company, you will probably not receive a notice for each account. Or, if you do business with one of the "financial supermarkets," you may receive a single privacy notice that lists all the companies that are covered by the notice -- insurance, brokerage, banking, and so on.
You may receive notices from companies where you were not even aware that you had an existing relationship. And, you could receive a notice from a company even though the account has been closed for years. The American Bankers' Association initially estimated that the average household will receive about 18 notices each year.
Will I receive a written notice in the mail?
You will receive a written notice in the mail, or by electronic mail if you normally do business online. Use caution when responding to any electronic mail, especially if you are being asked to supply personal information like account numbers. Since GLB went into effect in 2001, there has been a rash of fraudulent e-mails sent by identity thieves and other fraudsters. The e-mails can look deceivingly authentic. Most official websites tell you that they do not request personal information via e-mail. For more on this scam, known as "phishing," see the US Government website, OnGuardOnline: Phishing.
How will I recognize the privacy notice?
The notice must be "clear and conspicuous." For example, an Internet notice should prompt you to scroll down the page. Or, a drop-down menu should draw your attention to the privacy notice. To be effective, you must agree to receive the notice by electronic means and must acknowledge having received it. Verbal notice alone is not enough. Nor is it enough for a company to post a notice at its office.
Will the privacy notice be separate from other notices?
GLB does not require that you receive a separate notice of your company's privacy policy, your right to opt-out, or the policy regarding safeguarding confidential information. Nor does GLB require a standard form, so the notice may come in a variety of ways. The exact format is left to the company. The law requires only that the notice be "clear and conspicuous" and "designed to call attention to the nature and significance of the information contained" in the notice.
GLB notices may, for example, be mailed along with your account statements. Your privacy notice may also be included with other notices you are required to receive, for instance, in a mutual fund prospectus. Remember: If you do not want your financial institution to share or sell your confidential information, the burden is on you to recognize the notice and follow the opt-out instructions.
Can I shop around for a privacy policy before opening an account?
You may certainly ask a financial institution you're thinking of doing business with for a copy of its privacy policy. However, you are only entitled to the notice if you are either an existing customer or at the time you establish a "customer relationship" with a financial institution. After that, you will get a notice annually.
A "customer relationship" means a continuing relationship. You have only a "consumer relationship" if you have a one-time transaction with a financial institution. An example would be an ATM withdrawal. As a "consumer" you only get a notice if the bank says it intends to disclose information to nonaffiliated third parties.
It's uncommon to find your bank's privacy notice displayed in the branch office alongside the many brochures offering credit cards, identity theft protection, and other services. However, if you're "shopping" for privacy you may get more information about the company's privacy policies on its web site.
What privacy factors should I look for in opening a new account?
- Does the company sell your information?
- Does the company make it easy to opt-out?
- Does the company give other opt-out choices, such as an opt-out for all affiliate sharing?
- Does the company tell you how it treats medical information?
- Does the company use legalese or straight talk?
- Does the company offer to send you a privacy notice in your own language?
- Does the company invite you to correct inaccurate information?
A 2013 study found large variations in data-sharing practices, even among banks of the same class. While thousands of financial institutions share personal information without providing the opportunity for consumers to opt out, some institutions' practices are more consumer-friendly. L.F. Cranor, K. Idouchi, P.G. Leon, M. Sleeper, B. Ur, Are They Actually Any Different? Comparing Thousands of Financial Institutions' Privacy Practices
My bank's privacy notice gives a toll-free number to opt-out, but no address. Can I send a letter to the company's corporate headquarters?
You must follow the procedure for opting out established by the company and as stated in its privacy notice. If the notice gives you a toll-free number, you should use that method to opt-out. However, there is nothing wrong with using the toll-free number and writing to your company expressing your views on its privacy policy. After all, financial companies survive by pleasing their customers. Your views on privacy should count.
I have a joint account with a spouse/friend. Do we both have to "opt-out"?
To be safe, probably yes, if you both want to opt-out. A financial institution cannot require that you both opt-out. If only one decides to opt-out, you should ask for separate notices. Then, only information that relates to the one who did not opt-out can be disclosed. The company's policy regarding joint accounts should be included in its privacy notice.
What about closed accounts?
Initial and annual notices must inform you about sharing policies for closed accounts. Financial institutions are not required to send you an opt-out notice if your account is closed. However, if you have an existing account and opt-out, that is return the notice saying you do not want your information disclosed, your opt-out election would continue even after you closed the account. If at a later time you decide to open another account with that bank or other company, you will receive another initial privacy notice which will apply only to data about your new account. You may choose to opt-out of the second account, but your decision on the first account will not change unless you change it.
How long do I have to opt-out?
You are entitled to a "reasonable" time to respond before your personal data can be disclosed. Generally 30 days is considered "reasonable." If the privacy notice says you have 30 days to respond, you must return the notice so that it reaches the company within 30 days after it was sent to you. When you agree to accept notice via the Internet, you must respond to the notice within 30 days after you acknowledge you received it, if 30 days is the response time stated.
If you have an isolated transaction, which means you have only a "consumer relationship" with a financial institution, you may be required to opt-out or not on the spot. For example, if an ATM screen posts a privacy policy and opt-out notice, you must elect at that time whether you want to opt-out. Failure to do so would mean that the financial institution could share or sell your personal data any time after that.
Do I have only one chance to opt-out?
No, not if you are a customer and have a continuing relationship with the company. Your right to opt-out is continuing. If you fail to return the initial opt-out notice or an annual opt-out notice, your financial institution may sell or share your personal data after a "reasonable" time, usually 30 days. If you later decide you want to keep your financial institution from disclosing your personal data, you always have the right to opt-out. It goes without saying, however, that information that is disclosed before you opt-out is already "out there." You can't bring it back. Once you opt-out, you do not have to respond to any future privacy notices for that account.
Do I have to write a letter for every account?
No. Your financial institution is required to give you a "reasonable" means to exercise your opt-out rights. Requiring you to write individual letters is not considered "reasonable" if that is the only way you can opt-out. A formal response may be included with the notice such as a form with check-off boxes or a simple reply form. However, financial institutions are not required to provide pre-paid postage. An email or web site form may be used if your request is processed via the Internet. A toll-free telephone number may also be used for customers to call and opt-out.
Can I opt-out by verbally telling my broker or banker?
No. You must opt-out using the procedure your bank or other financial company establishes, as long as it is reasonable. Again, the burden is on you to follow the procedures set out by your financial institution. Failure to do so could result in information being disclosed that you would not tell your best friend.
Will I get a confirmation number or a way to verify that I opted out?
No. When you call or write to opt-out, make a point to ask, but GLB does not require it.
My bank's privacy notice does not give me an opt-out. Am I missing something?
Perhaps the bank's privacy policy says it does not share information with third-party companies. If that's the case, you do not get an opt-out under GLB. Usually you would still see an opt-out for some sharing among affiliate companies, a right given by the Fair Credit Reporting Act. See Part 7 of this guide for more on affiliate sharing.
Some small financial institutions like local credit unions may not have affiliates. In that case, the FCRA opt-out would not apply. If a company does not share your information with third parties or if the company does not have affiliates, the privacy notice should explain this.
Will the privacy notice say exactly what information about me can be disclosed?
The law and regulations require only that you get notice of the categories of information the financial institution collects and the categories of information that may be sold or shared with a third party. Notice must give you specific examples of each category, but this is by no means a complete list of the data that may be disclosed.
Privacy notices may tell you that your financial institution collects and may disclose information from account applications such as your name, address, Social Security number, assets and income. Assume such a statement means that any other application data could be collected and disclosed. An application might also include former addresses, debt level, mortgage payments, income other than salary such as child support payments, and much more.
Is there any kind of information that cannot be disclosed?
GLB and federal regulations only prevent disclosure your account number or access code to a third-party nonaffiliated company to use in telemarketing or direct mail marketing. This means that a financial institution can sell your personal data to a telemarketer, for example, but it cannot sell the means by which your account can be accessed.
But, like much of GLB, there are exceptions to the rule. For example, your account number may be disclosed when companies market products and services via joint marketing agreements. Your account number may then be disclosed in encrypted (coded) format as long as the key to the code is not disclosed.
Can my medical information be disclosed?
GLB gives no special treatment for medical information that may be included in the files of your bank or other financial company. Unless you opt-out, sensitive information such as details about your health and treatments may be disclosed to a third-party nonaffiliate. Again, you will not receive notice of exactly what data can be released -- only the category.
You have only minimal control over whether medical information captured by financial institutions is shared with an affiliate company. For example, if you have paid XYZ Oncology Clinic by credit card or check, that information will be recorded and perhaps shared within the individual companies that make up the financial "supermarket." GLB gives you no right to opt-out when it comes to affiliates -- even for sensitive medical information. What's worse, if you are given an opt-out and don't use it, medical information can be disclosed to any outside company as well.
Although GLB doesn't require it, some companies' privacy policies promise not to disclose medical information without your prior consent. Practices like this that go beyond the legal requirement are worth considering as you "shop" for financial privacy.
You may have greater rights to protect health information under the laws of your state. For example, California passed a law that makes it a crime for an insurance company to sell information to a financial institution for the purpose of granting credit (California Civil Code 56.26). The information flow in this case is only restricted one way. This law does not cover information that flows from a financial institution to an insurance company. State regulations about insurance may also give you more rights to medical privacy.
Has anything been done to improve privacy notices?
Reaction to the first privacy notices delivered in July 2001 was highly negative. GLB and federal rules specified that notices be "clear and conspicuous," that is, written in plain language. Yet the notices received by millions were filled with legalese and confusing messages. Many consumers simply tossed the privacy notices, seeing them as just another bit of junk mail stuffed in with account statements.
In response to these concerns, in November 2009, eight regulatory agencies (the FDIC, the Board of Governors of the Federal Reserve System, the Commodity Futures Trading Commission, the Federal Trade Commission, the National Credit Union Administration, the Office of the Comptroller of the Currency, the Office of Thrift Supervision, and the U.S. Securities and Exchange Commission) released new model privacy notices. http://www.ftc.gov/privacy/privacyinitiatives/PrivacyModelForm_FR.pdf.
The model privacy notice is a two-page disclosure form designed to allow consumers to easily compare the privacy practices of different financial institutions. Use of the model privacy form is voluntary. A financial institution that properly uses the model privacy notice will be in compliance with the disclosure requirements for privacy notices under the GLB and obtains a "safe harbor" for federal regulatory requirements for privacy notices. Read more about model notices at http://www.skadden.com/insights/privacy-alert-january-1-2011-%E2%80%93-safe-harbor-conversion-date-under-gramm-leach-bliley.
While financial institutions are free to write their own privacy notices, such notices do not offer the institution "safe harbor" protection. Therefore, most financial institutions have adopted the regulatory agencies' model privacy notices which are simpler and easier for consumers to understand. Most importantly, it's now possible to compare notices from different financial institutions, to see how the institutions handle the use and disclosure of your information.
The regulatory agencies have provided an Online Form Builder that financial institutions can download and use to develop and print customized versions of a model consumer privacy notice. http://www.federalreserve.gov/bankinforeg/privacy_notice_instructions.pdf. The Online Form Builder provides financial institutions with four options depending on the financial institution's data sharing practices and the opt-out rights it extends to consumers.
Financial institutions may not change the content of the form or add any information, except as specifically permitted by the form's instructions. They may incorporate the form in another document or with other notices, and include additional documents or information provided the form is presented in a clear and conspicuous manner.
4. Information Flow - How Data Comes and Goes
Where does a financial institution get its information?
The privacy notice must tell you this. A financial institution may receive information directly from you, for example, when you fill out an application for a new account. Information about you may also be compiled based upon records of your transactions with that company or its affiliates. This may include information about how you use your credit card, your account balances, late payments, what you buy, and where you shop.
Information may also be collected from nonaffiliated third parties, consumer reporting agencies, or public records. Some financial institutions also "enhance" their files about you with information purchased from companies that collect data from consumer surveys, product registration cards, public records, and Census tracts. Such data is used to market products and services to you that the company believes are compatible with your interests.
Consider the amount and kinds of information you supply just to a financial institution that may sell insurance, bank products, and securities. Combine this with the information available from other sources, and virtually any detail of your financial affairs, health status, spending habits, lifestyle purchases, political affiliations, religious contributions, and more can be collected by your financial institution. Unless you formally object, it can be shared, sold, rented, or otherwise disclosed with few exceptions.
Keep in mind, a company may routinely purchase direct marketing mailing lists in order to get new customers. However, unless you actually are a customer or consumer of the company, you have no rights to notice, to opt-out, or any other means to control how such information is used.
What kinds of companies can get my personal information?
The privacy notice you receive from financial institutions does not have to tell you the names of any specific companies or organizations that may buy or receive your personal information. Only the categories of companies have to be disclosed to you. The relationship between your company and the company that receives your information determines if you have a right to opt-out, that is to stop the information flow. These relationships are: (1) nonaffiliated third party (outside company), (2) affiliated company, or (3) joint marketer or service provider.
GLB only gives you the right to opt-out when it comes to third-party, nonaffiliated companies. Parts 5 and 6 of this guide explain more about the joint marketer and service provider exceptions. Part 7 discusses data sharing among corporate affiliates.
Categories of outside companies (third-party nonaffiliates) as well as affiliated companies must be described. When your information is disclosed under a contract between your company and another company to sell you financial products, this is called a "joint marketing agreement." You have no right to know any details about these joint marketing agreements, and you have no say in information flow under these contracts.
What is a third party nonaffiliated?
It means a company that is not owned or controlled by the company you're doing business with. For example, your bank's privacy notice may say it shares your personal information with third party nonaffiliates. The notice may go on to identify one such category as "financial services providers." An example could be an insurance company that is not affiliated with your bank. Other categories of nonaffiliated companies that could receive your information might be identified in the privacy notice as "non-financial service providers" such as retailers, direct marketers, telemarketers, or "other companies" like nonprofit organizations. Remember, if the company sells customer data to third party nonaffiliates, it must give you the right to opt-out.
5. Outsourcing - The "Service Provider" Loophole
GLB gives you no control or right to opt-out when your financial institution shares your information with service providers. A "service provider" is a company that contracts with your bank to service your account or process your transactions.
Since GLB's effective date in 2001, outsourcing, also called offshoring, has exploded as a privacy and data security issue. Fueled by ease of electronic data transfers and efforts to cut costs, many financial companies now employ low-wage, foreign workers to service accounts.
Personal data necessary to perform accounting functions, operate customer call centers, and process transactions are now routinely sent offshore. Personal data at stake includes any information you would give your bank. For example, your name, Social Security number, and account numbers are all data items needed to "service" your account. The privacy and security implications are significant, and all the more troubling because nothing prevents a foreign "service provider" from hiring subcontractors.
What can I do if outsourcing results in identity theft?
It is unlikely that you will even be able to trace the source of the fraud. Most victims can't. Even if you can trace the source to a foreign "service provider," you have little recourse. GLB does not give you the right to sue, even an American company, for privacy or data security violations. Even federal financial agencies, with the authority to enforce GLB, will probably not have standing in foreign countries.
Will the privacy notice at least tell me if my bank outsources services?
Very unlikely. But, if you are dealing with a large financial corporation it is a near certainty today that some or all of your personal information will flow offshore.
Is there anything I can do about outsourcing?
Some efforts have been made in state legislatures and Congress to, as a minimum, give notice and get your consent to outsourcing personal data. However, as of this writing, notice and consent are not required. If you are concerned about outsourcing, let your state and federal lawmakers know.
For more about the privacy and data security risks of outsourcing, see:
- PRC Statement on Outsourcing and Privacy, testimony before the California Business and Professions Committee.
- FDIC Study, Offshore Outsourcing of Data Services by Insured Institutions and Associated Consumer Privacy Risks.
6. Joint Marketing Agreements - Watering Down Your Opt-Out
What is a "joint marketer"?
A "joint marketer" is a company that contracts with another company to sell you financial services or products. It is standard practice in the financial services industry for companies to enter into marketing agreements with telemarketers or direct mail marketers. Information can be freely shared under such contracts. GLB requires that such contracts be for the purpose of marketing financial products or services. The receiving company must restrict further disclosure of the customer data. The law does not enable you to say "no" to sharing your information under these marketing agreements.
How does joint marketing weaken my opt-out?
Joint marketing agreements are entered into by third-party, non-related companies. But for GLB's joint marketing loophole, you could stop this data sharing by simply opting out. Consider the expansive definition of a financial "service or product" and companies that fall under the "financial institution" heading. As we discussed in Part 2 of this guide, a financial institution is not just companies like banks, brokerage houses, and insurance companies. Travel agents, payday lenders, mortgage brokers and automobile dealers are also "financial institutions." Joint marketing agreements thus open the door for data sharing among an array of third-party nonaffiliated companies.
Can I stop unwanted solicitations that come from joint marketers?
GLB does not give you the right to stop these offers. A few financial companies now offer to let you opt-out from joint marketing solicitations. If so, this choice should be included in the annual privacy notice you receive. PRC Fact Sheet 1(a), Privacy Basics and Opt-Out Strategies, also provides some tips on reducing unwanted solicitations.
7. Affiliate Sharing - Can You Stop It?
What is an "affiliate"?
Large companies often have many separate companies that do business under the corporate "umbrella." Although each company operates separately, it is still under the control of the parent corporation. Your bank's affiliates, for example, might include other financial companies such as a credit card company, a brokerage firm, a mortgage company, an insurance company, or an automobile financing company. Affiliates may also include nonfinancial companies such as auto parts or repair companies. Under GLB, you have no right to opt-out of affiliate sharing no matter what the nature of the affiliate's business is.
If I opt-out, will that give me total control over how my bank (insurance company, broker, etc.) uses my information?
No. Your opt-out will only prevent disclosure to third party nonaffiliates described in Part 4 above. As you can see from the above discussion, your information can still be disclosed in other ways. Nonetheless, exercising even this limited opt-out can stop the flow of your personal information to an unlimited number of marketing databases.
Can I stop my financial company from sharing my personal information with its affiliates?
Under GLB, a company can share your personal information with its affiliates. However, the notice you receive is also likely to explain your right to opt-out under another law, the federal Fair Credit Reporting Act (FCRA). This law gives you the right to prevent a company from sharing information about your "credit worthiness" with affiliates. Your "transaction and experience" information can still be shared with affiliates without your consent, according to the FCRA. As explained above with the example about health-related payments, transaction information can be highly sensitive.
Another opportunity to limit information sharing with affiliates is included in the Fair and Accurate Credit Transaction Act (FACTA), a law that amended the FCRA in 2003. The FACTA affiliate sharing opt out provision is discussed in Part 10 of PRC Fact Sheet 6a: Facts on FACTA and the Federal Trade Commission's Affiliate Marketing Rule, Final Rule issued in October 2007.
8. Financial Privacy - California Style
California's Financial Information Privacy Act (known as FIPA or SB 1) exists specifically to offer privacy protections that GLB lacks. (Cal. Financial Code §§ 4050-4060) FIPA provides more protection than GLB, but it does not prevent financial institutions from sharing your personal information with affiliates. FIPA originally had a section to provide such a protection but it was struck down in 2008 when a federal court held that the FCRA pre-empts state law when it comes to sharing personal information with affiliates. American Bankers Association v. Lockyer, 541 F.3d 1213 (9th Cir. 2008). You can read more about this decision at http://privacylaw.proskauer.com/2008/09/articles/direct-marketing/californias-financial-information-privacy-act-affiliate-sharing-provisions-narrowly-survive-complete-preemption/.
Regardless, FIPA still provides more protection than GLB in several important ways:
- A financial institution must notify you and obtain your consent to share information with unaffiliated businesses (a business is unaffiliated when it is not under the control of the same company). (Cal. Financial Code § 4052.5)
- You
can opt out of information sharing that results from joint-marketing agreements
that a financial institution makes with outside companies to market financial
products and services. (Cal. Financial Code § 4053(a)(1))
There are many types of joint marketing arrangements, but quite often they are with telemarketers or direct-mail marketers. An example of this might be a life or auto insurance company that enters into a joint-marketing agreement with a third-party company to sell long-term care insurance. If you are a customer of the life or auto insurance company, it could share your contact information with the third party and also with a direct-mail marketer to pitch the long term care policy. FIPA lets you opt out of this, but GLB does not.
- You
must receive a standardized, single-page notice, like this one from every financial
company with which you have a customer relationship. Envelopes that contain privacy notices must
be flagged, so you don't discard them as junk mail and lose your opt-out
opportunities. (Cal. Financial Code §§ 4051.5(a)(3) and 4053, generally)
The California-compliant FIPA notice has a check box for affirming that you do not want your information shared with affiliates. However, the notice does not explain the difference between creditworthiness information (also called "consumer report information") which may not be shared, and "transaction and experience" information, which may be.
Creditworthiness may be based on information about whether you pay your bills on time, how long you have had credit, and the level of debt you can comfortably carry. It may also be based on character, general reputation, personal characteristics, or mode of living. Transactional (and experience) information, in the broadest sense, is data based on your interactions or transactions with businesses, organizations, and websites that create a record of those events, such as a payment record.
If you do not exercise the opt-out rights that GLB and FIPA give you, you relinquish the already limited control you have over personal information collected by financial institutions. Once the financial institution shares your information, you lose all practical control over where it goes and how it is used.
If you change your mind later, you can call the financial institutions you deal with directly and ask for an 800 number or website where you can declare your opt-out preferences. Such financial institutions may include banks, brokers, credit card companies, insurers, and less obvious ones like automobile dealers, payday loan companies, collection agencies, and travel agents.
Information that a financial institution has already shared is out of your control. Even though the burden is on you to opt out, once you do it, you never have to do it again. Your choice is effective until you cancel it in writing.
9. What You Can Do to Protect Your Privacy
May I sue my financial institution for violating my GLB privacy rights?
GLB does not contain what is called a private right of action. So you cannot go to court and sue for violations of your privacy rights under that statute. However, under some state laws you might be able to claim that the company's violation of GLB violated other rights you have.
You can complain to one of the federal agencies with authority to enforce GLB. (See Part 10 for federal agencies with GLB responsibility.) These agencies are identified below along with a description the financial institution each oversees. Each agency has enforcement authority under GLB for the financial services it regulates. Enforcement authority means that you can complain to the agency, the agency may investigate your complaint, and may bring a court action or administrative case against the company. The agency cannot represent you and cannot give you legal advice on your particular complaint.
What are the most important things I can do to protect my financial privacy?
The single most important thing you can do to protect your financial privacy is to carefully read all information that comes from a financial institution. Study the institution's privacy policy. If it causes you concern, return the opt-out notice within the specified time.
Remember, you have only limited ability to prevent a financial services company from sharing your customer data with its affiliated companies and no ability to opt-out of information shared through joint marketing agreements. The privacy provisions of GLB only pertain to unaffiliated third parties. You would not, for example, be able to prevent your bank from sharing your customer data with its affiliated insurance company or brokerage firm.
So, if you are concerned about affiliate sharing and the ability of these "financial supermarkets" to compile extensive dossiers about you, you must take extra care to conduct your banking with one corporation, keep your insurance accounts with another unaffiliated corporation, and your investments with yet another. The same holds true if you are concerned about your information being shared as part of marketing contracts.
In this privacy-conscious marketplace, some financial institutions might differentiate themselves by becoming more "privacy-friendly." Watch for companies that advertise that they do not share your customer data with either affiliates or third parties. And look for companies that give you the choice to take yourself out of marketing programs.
State legislatures and Congress might attempt to strengthen the privacy provisions of the federal GLB Act in the coming years. If you favor stronger financial privacy rights, be sure to contact your state and federal legislators.
Why should I opt-out?
If you are like the many people who have responded to polls, you are concerned about your privacy. Opting out gives you some control over how your personal information is used. Banks and other financial companies may revise and strengthen their privacy policies if enough people show their concern for privacy by opting out.
Where can I go to complain about my financial institution's privacy policy?
As far as we can determine, no federal agency has a specific address for consumers to file privacy complaints. Information about the federal agencies that enforce the privacy and security provisions of GLB is listed in Part 10 below.
Where to Complain - Federal Agencies
Federal Deposit Insurance Corporation (FDIC). The FDIC insures consumer deposits made in banks and savings associations. To ensure financial soundness and compliance with consumer protection rules, the FDIC, often in coordination with other federal banking agencies, conducts examinations of the institutions included within its jurisdiction.
Compliance & Consumer Affairs
550 17 th Street, N.W.
Washington, D.C. 20429
(800) 925-4618
www2.fdic.gov/starsmail/index.asp (complaint form)
Board of Governors of the Federal Reserve (Federal Reserve). The Federal Reserve is the nation's central bank. It sets monetary policy, regulates bank institutions, and provides financial services to the government and the public.
Federal Reserve
Consumer & Community Affairs
20th & C Streets, N.W., Stop 801
Washington, D.C. 20551
(202) 452-3693
Office of Comptroller of the Currency (OCC). The OCC is an agency of the U.S. Department of Treasury. This agency charters, regulates and supervises all national banks and federal savings associations, as well as the federal branches of foreign banks.
Customer Assistance Group
1301 McKinnley St., Suite 3710
Houston, TX 77010
(800) 613-6743
National Credit Union Administration (NCUA). The NCUA regulates and conducts examinations of federal credit unions, which are nonprofit, cooperative financial institutions owned and run by members.
1775 Duke Street
Alexandria, VA 22314
(703) 518-6330
Securities and Exchange Commission (SEC). The SEC oversees the nation's equity markets. This includes stock exchanges, broker-dealers, associated persons of broker-dealers, and investment advisors.
Investor Education & Assistance
450 Fifth St., N.W.
Washington, D.C. 20549
(202) 942-7040
Commodity Futures Trading Commission (CFTC). The CFTC oversees the nation's commodity futures markets. This includes futures exchanges and the registered companies and individuals engaged in futures and commodity option trading.
- Commodity Futures Trading Commission
Three Lafayette Centre
1155 21st Street, N.W.
Washington, D.C. 20581
(202) 418-5000
Federal Trade Commission (FTC). The FTC investigates consumer protection and consumer fraud matters that are not specifically within the jurisdiction of another federal agency such as the SEC. The FTC's consumer protection jurisdiction includes debt collection, credit reports, lending, telemarketing, credit repair services and much more. To file a complaint with the FTC's Office of Consumer Protection, write, call, or contact the agency online:
- Federal Trade Commission
600 Pennsylvania Ave., N.W., CRC-240
Washington, D.C. 20580
To find the address and telephone number of the Insurance Commissioner in your state, write, call, or connect online with the National Association of Insurance Commissioners:
2301 McGee Street, Ste 800
Kansas City, MO 64108-2604
(816) 842-3600
To report violations of California's Financial Information Privacy Act, contact the appropriate state agency:
- California Department of Insurance: Regulates the insurance industry in California and enforces both federal and state privacy laws.
California Department of Insurance
Consumer Communications Bureau
300 So. Spring St.
Los Angeles, CA 90013
e-mail: firstname.lastname@example.com
- California Department of Financial Institutions: Regulates banks, savings associations, credit unions, commercial lending companies, issuers of travelers check, transmitters of money abroad and others.
California Department of Financial Institutions
Consumer Services
1810 13th Street
Sacramento, CA 95814
- California Department of Corporations: Regulates investment brokers and dealers, investment companies, investment advisors, residential mortgage lenders, and finance lenders.
California Department of Corporations
Consumer Services Office
1515 K Street, Suite 200
Sacramento, CA 95814
- California Attorney General: Enforces privacy laws on financial service companies not regulated by the state financial regulators.
California Attorney General's Office
California Department of Justice
Attn: Public Inquiry Unit
P.O. Box 944255
Sacramento, CA 94244-2550
- Financial Services Modernization Act (GLB), 15 U.S.C. §§6801-6810
- Fair Credit Reporting Act (FCRA)as amended by FACTA), 15 U.S.C §1681 et. seq.
- Fair and Accurate Credit Transactions Act (FACTA)
- California Financial Information Privacy Act, CA Financial Code §§4050-4060
- Financial Services Regulatory Relief Act, Pub L No 109-351 (2006),
GLB Privacy Regulations
- FTC: Privacy of Consumer Financial Information; 16 C.F.R. Part 313; 65 Federal Register 33645 (May 24, 2000), www.ftc.gov/os/2000/05/65fr33645.pdf
- SEC: Privacy of Consumer Financial Information (Regulation S-P). 17 C.F.R. Part 248; 65 Federal Register 40333 (June 29, 2000) www.sec.gov/rules/final/34-42974.htm
- OCC: FDIC; Federal Reserve; OTS (Joint Regulations): Privacy of Consumer Financial Information; 12 C.F.R. Part 40; 65 Federal Register 35161 (June 1, 2000), www.occ.treas.gov/fr/fedregister/65fr35161.htm
- FTC and financial agencies joint final regulation adopting model privacy notices, November 17, 2009, http://www.ftc.gov/opa/2009/11/glb.shtm
- FTC: Affiliate Marketing Rule, 16 CFR Parts 680 and 698, http://www.ftc.gov/os/fedreg/2007/october/071030affiliatemarketingrule_final.pdf
Government Publications
- The FTC has published numerous guidelines on GLB for consumers and businesses.
See: www.ftc.gov/privacy/privacyinitiatives/glbact.html
- The Office of the Comptroller of the Currency provides a Web site to answer questions consumers have about national banks. See: www.HelpWithMyBank.gov.
- California residents can read Your Financial Privacy Rights, by the California Department of Justice's Privacy Enforcement and Protection Unit, http://www.oag.ca.gov/privacy/facts/financial-privacy/rights
Privacy Rights Clearinghouse's Financial Privacy Guides
- Fact Sheet No. 24. "Financial Privacy: The Burden Is on You," www.privacyrights.org/fs/fs24-finpriv.htm. An overview of the Financial Services Modernization Act, also known as the Gramm-Leach-Bliley (GLB) Act.
- Fact Sheet No. 24(d). "Frequently Asked Questions About Financial Privacy," www.privacyrights.org/fs/fs24d-FinancialFAQ.htm. Answers to many of the questions received by the PRC about GLB and related issues.
- Fact Sheet No. 24(e). "Is Your Financial Information Safe?," www.privacyrights.org/fs/fs24e-FinInfo.htm#2 A guide to GLB's data security rules.
- "Lost in the Fine Print: Readability of Financial Privacy Notices," by Mark Hochhauser, readability consulting, www.privacyrights.org/ar/GLB-Reading.htm. An analysis of opt-out notices using standard readability tests.
- Fact Sheet No. 6. "How Private Is My Credit Report?" www.privacyrights.org/fs/fs6-crdt.htm An explanation of your rights under the federal Fair Credit Reporting Act.
- Fact Sheet No. 6(a), "FACTA, The Fair and Accurate Credit Transactions Act: Consumers Win Some, Lose Some" www.privacyrights.org/fs/fs6a-facta.htm
Browse Privacy Topics
Background Checks & Workplace
Banking & Finance
Credit & Credit Reports
Debt Collection
Harassment & Stalking
Identity Theft & Data Breaches
Junk Mail/Faxes/Email
Medical Privacy
Online Privacy & Technology
Privacy When You Shop
Public Records & Info Brokers
Renter Privacy
Social Security Numbers
Telephone Privacy
Who We Are
We are a nationally recognized consumer education and advocacy nonprofit dedicated to protecting the privacy of American consumers.


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This Week in Web – PHP Needs X, Python IDEs, Firefox5, jQuery Mobile, Python Games
Firefox 5 Released
Mozilla have released Firefox 5.0 final. Some of the biggest changes are support for CSS animations, the addition of the do not track header and better HTML5 support. A list of features and changes that developers may find relevant can be found here. If you were a user of the Firefox 4 beta versions, Firefox should update to version 5 in the background. Otherwise you can download Firefox 5 from the downloads page.
jQuery Mobile Beta 1
The jQuery Mobile team is happy to announce the release of Beta 1. We're proud of the refinements we've made to make jQuery Mobile faster, extensible and more compatible over the last 12 weeks and look forward to having more frequent releases as we work up to 1.0 in late summer. We're planning on releasing a second Beta in about a month that will begin decoupling our code so you can include only the components you need, add greater extensibility to support dynamic JS-driven sites, and bring even broader device support.
Note that jQuery Mobile 1.0 will require jQuery core 1.6 as a baseline. Going forward, we'll be supporting the two latest major versions of core but


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405 S Seminary St, Downs
In ShortKid-friendly eat-in restaurants and small takeout shops alike sport interiors done in the signature red and white with a touch of yellow. Orders are placed at the…
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The boneless wings are good. A big variety of sauces to choose from whether you prefer mild or wild and everything in between. We have noticed that the last couple of times we…
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Sometimes I get a hankering for some Japanese food cooked by Chinese and Korean people. I love going to Kobe; I always go to the Sushi side and relax there with friends. It has a…
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My favorite restaurant in Bloomington - and you are gone. Oh, so sad - the best Chinese restaurant in town and you are gone. Peoria is a long drive, but I will come. Please come…
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I had buffet when visited bloomington first and was hungry. we came here by our choice, but after having lunch, it was big no no for another visit. very less choices of items,…
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Vehicles with Consumer Reviews
After a thorough facelift and some mechanical and equipment upgrades last year, the 2014 Ford Flex gets minimal changes in package contents.
For 2013, the Ford Flex gets a significant facelift with restyled front end, instrument panel and seats. There is a little more power in the base engine, manual shifting for the 6-speed automatic, new MyFord Touch, and several new available systems including parallel-parking assist and adaptive cruise control.
The 2014 Ford Flex is not your typical 7-passenger family vehicle, as you can tell just by looking at it. The silhouette – long, flat-sided, squared off – suggests the big station wagons of the 1960s and 1970s, and it sits lower and sleeker than a typical SUV. Competitors like the Honda Pilot, Dodge Durango and Chevrolet Tahoe can tout maximum tow ratings and off-road capability, but the Flex chooses to focus on transporting people over paved surfaces. It's striking and stylish as well as functional and useful – a fine combination similar to minivans and SUVs in capabilities, but clearly different from both.


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SPIRAL Web Pages
Preparing for a SPIRAL observing run
Fill out your AAO visitors travel form, which will also make reservations at the ANU lodge on the mountain.
Read the SPIRAL observing notes.
Discuss your proposed strategy with your support astronomer (see the Schedule) and confirm your requested gratings, central wavelengths and blaze angles.
Sarah Brough (email@example.com)


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Dcdiag (Domain Controller Diagnostic Tool)
This command-line tool analyzes the state of domain controllers in a forest or enterprise and reports any problems to assist in troubleshooting. As an end-user reporting program, Dcdiag encapsulates detailed knowledge of how to identify abnormal behavior in the system. Dcdiag displays command output at the command line.
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April 23, 2014
January 25, 2013
RICHMOND, Virginia (AP)— The Senate has passed a measure to prohibit state government from discriminating against employees because of their sexual orientation.
The bill passed out of the Senate on a 24-16 vote Friday. The move was applauded by Equality Virginia, a gay-rights organization. U.S. Sen. and former Virginia Gov. Mark Warner also commended the move.
The proposal has won Senate approval in previous years but has never made it through the Republican-controlled House of Delegates.
Previous efforts were sparked by Gov. Bob McDonnell, when he omitted gays from a 2010 executive order banning workplace discrimination. Attorney General Ken Cuccinelli later declared that there is no legal ground for protecting gays from discrimination until the General Assembly enacts such a law.
McDonnell later said he would not tolerate any discrimination in state government.
Story copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
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Former Kentucky forward Julius Randle discusses his decision to leave the Wildcats after one season and enter the NBA draft.
Use a Facebook account to add a comment, subject to Facebook's Terms of Service and Privacy Policy. Your Facebook name, photo & other personal information you make public on Facebook will appear with your comment, and may be used on ESPN's media platforms. Learn more.


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Samsung ST150F Camera, HD 720p, 16.2MP, 5x Optical Zoom, Wi-Fi with 3" LCD Screen
Product information
Portable and connected, Samsung's ST150F digital compact camera is a flexible family snapper with powerful smart features and creative options. Back your memories up using cloud storage, or add a new twist to photos with creative filters. Along with clever auto features, professional results are just a button-press away.
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- Instantly send quality photos to social networks like Facebook or email them to a small group of people - directly from the camera. The DIRECT LINK hot key helps you quickly connect to Wi-Fi networks. Plus, you can cool images and video directly to Microsoft SkyDrive.
- Simultaneously send every picture you take to your mobile phone via Wi-Fi connection—to make backing up and sharing your high-quality photos easy. Setup AutoShare once and the camera saves it as the default setting. AutoShare also GPS tags your photos using your smartphone.
- Select and send an image or album directly to an Android smartphone, iPhone or tablet with Samsung MobileLink. With MobileLink, you can control the album on your phone and the changes will be saved to your camera, too.
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- Includes USB cable, strap and charger.
Please note: this camera requires a memory card to be inserted to use wireless back-up features.
- Battery life Information How long the battery lasts for (and if applicable) until it needs recharging
- Approx 220 shots per charge
- Brand
- Samsung
- Camera Type
- Digital Compact
- Connections
- USB 2.0, AV out
- Dimensions
- H57.95 x W94.4 x D19.7mm
- Direct printing Information Can connect to a compatible digital camera to print without the need to use a computer.
- Display
- Eligible for International Delivery
- Image Stabilisation
- Internal Memory
- Manufacturer Part Number (MPN)
- Maximum ISO Rating
- 3200
- Megapixels Information 1 Megapixel is equal to 1 million pixels. A pixel is an individual element of a digital image. Megapixels determine the resolution of an image and the more you have the higher the quality of the image.
- Memory Card Type
- Micro SD
- Model name / number
- NFC enabled Information Devices with NFC can be tapped together to establish a wireless connection for sending or streaming files and other data
- Sensor Type
- Shooting Modes
- 41
- Sweep Panorama
- Touch Screen
- Video Resolution
- 720p HD video
- Waterproof
- Weight Information Unpackaged weight
- 120g
- Zoom (digital) Information Enlarges video captured by the optical zoom and makes it seem even closer
- 5x
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text:
Wednesday, April 24, 2013
Aarushi's Monster Parents...
18 comments:
- Maria Perry Mohan said...
I'm with you on this one Shobhaa. Their steely expressions chill the blood...
- April 24, 2013 at 5:13 PM
- Neha@ papermagictwigs said...
Yup, it is a ghastly case! It's amazing how people get away with stuff...
(on another note, could you make the font smaller!?) :)
- April 24, 2013 at 7:00 PM
- Dewang P said...
Such things make me ponder, how many people behave in such a deviant manner. And deaths seem to matter only if the poor soul is someone about whom hue and hype an be raised. Sad mirror of the majority mindset.
- April 24, 2013 at 8:23 PM
- Vidhya K said...
Hi Shobhaa, before you jump to any more conclusions, consider the points made in this article in the Toronto Star:
- April 25, 2013 at 7:56 AM
- Chandgi ram said...
Wonderful Article. Keep it up…
Thanks & regards
Assotech Business Cresterra.
- April 25, 2013 at 12:05 PM
- Nisha Sanjeev said...
When our system drags its feet, it also breed such parents.
- April 25, 2013 at 7:58 PM
- TSV Hari said...
Kudos to Shobhaa who wrote something very telling way back in 2011.
Something else was written in 2012. The link:
Those of you believe in coincidences ...
- April 25, 2013 at 8:35 PM
- kapil yesate said...
very nice article
at all time m with u
- April 27, 2013 at 2:46 PM
- ramana venkata kalakata said...
Ohh this is horror story
- April 28, 2013 at 7:43 AM
- jaya said...
Cold blooded murderers
- April 29, 2013 at 4:31 AM
- Bryan Mallinson said...
I disagree - have you really looked at the evidence presented? The deeper you look into the case, the more the evidence points away from the parents and points towards Krishna & the servants. Have you read Avirook Sen's excellent articles on the trial? He's been covering it from Day 1.
- April 30, 2013 at 4:22 AM
- Animesh Vashistha said...
Suggested readings:
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- April 30, 2013 at 3:42 PM
- Juniper said...
Talwars have ex policemen helping them get rid of key evidences, top notch Lawyers to make sure they continue to sleep like dead (ha) and media spin doctors to keep their image clean. If not anything, this couple deserve a case study in criminal psychology.
- May 1, 2013 at 6:43 PM
- Gaurav said...
One cant be sure if the parents did it..your article insinuates the crime was committed by the parents..what if the parents are indeed innocent..can anybody compensate them in such a situation..please refer to the articles on Tehelka.com and you (like me) may be inclined to change your mind on the parents' involvement in the crime(http://tehelka.com/framed-the-aarushi-hemraj-murder-case-an-investigation)
- June 25, 2013 at 2:03 AM
- Joce said...
I would suggest you update yourself on the facts of the case without prejudice and any sort of pre-decided ideas as to who has committed the crime. Go into details of all test, evidences, narco test, lie detector tests, etc.
These articles are not called for and I would say that you are just joining the ranks of the media that has gone ballistic with their baseless theories. I know that everyone wants some juicy story that can be discussed at the dinner table.
The Narco tests, though they are not admissible in court can and must be used to further investigate. If not then why are they done? Maybe these tests need to be brought to the forefront. What does the CBI have to hide in them? Are they afraid that these tests will call their bluff?
Is there a formula that if people behave this way or that, then they are innocent or guilty? The parents would ask for proof of their involvement in the crime because they are the accused. Insinuating that Aarushi knew of some dark secret of the family makes you no different from the top cop of UP when he said something disgustingly similar.
How do you want the parents to behave when they are up against the state? Everything they say is countered by the CBI as time-wasting tactics? And this happens at almost every step. Does this mean that in order to save the courts time they should give up their lives and state that they have killed Aarushi even though they have not? I know there are a lot of people out there who would love that. But spare a moment to think, is this a fair trial? What happens and who is responsible if and when the parents are pronounced innocent? Will a, "Oh we have made a mistake" give the Talwars back the life they have lost.
There are many who have made very strong statements against the Talwars. To them I say, read the facts thoroughly before you condemn them. Don't use half-baked or one-sided information to form judgements and put them out in blogs that read very well.
- July 21, 2013 at 5:55 PM
- Vidhya K said...
Ouch, Avirook Sen just handed your arse to you today in DNA. Can't say you didn't deserve it.
- July 22, 2013 at 8:17 AM
- Snigdha said...
You could do better than sound so one-sided. Alos, his name is Rajesh
- November 26, 2013 at 1:29 PM
- Aditya said...
Get Tech Updates at TechTantrik
Enjoy Funnier Side of Life at TheRoyalPoke
- December 16, 2013 at 10:57 AM


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WDMA T.M. 13-09 Test Method for Preparing Retention and Penetration Testing Samples provides a nationally recognized guideline for the performance recommendation and evaluation procedures for Factory Applied Pigmented Coatings on exterior wood and cellulosic composites for millwork products.
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St. Paul >Food & Dining > Tanpopo Noodle Shop
308 Prince St Ste 140, St Paul, MN | Directions 5510144.949265 -93.083558
Mon., Sat. - Sun. CLOSED;Tue. - Fri. 11am - 2pm
Neighborhoods: Downtown, Lowertown
Best Kept secret of Saint Paul – I absolutely adore this restaurant. In the winter, nothing hits the spot better than the Nabayaki Udon. I recommend this place to everyone I know. Food is always fresh and is consistently delicious. Also has the best tempura green tea ice cream in the Twin Cities.
St. Paul Gem – After all these years of living in the Metro I finally ate at Tanpopo Noodle shop. Let me tell you, it is such a great little space. Who could ask for more! Simple sophisticated dishes that after ward you don't feel like your endangering your health. I can't exactly say one thing to try because everything I sampled was delicious. There was a bunch of us all trying everything. If only St. Paul could get a few more little gems like this in the Downtown/ Lowertown area.
Delicious Kitsune Soba! – I went to this restaurant two Fridays in a row because of the wonderful Kitsune Soba. The broth is extremely flavorful - so much so that I had to ask the server if it was made with beef or chicken broth (she assured me that it's a traditional dashi - seaweed and fish - broth). The tofu tastes amazing the way it's prepared; it's not what you think of when you think of tofu (even though I do like the bland white cubes). It's cut really thin and perfectly seasoned. My bowl also had three big shiitake mushrooms, which were mouth-watering. The noodles themselves are tender and delicious. Overall, my new favorite food!
Pleasantly surprised – We went to Tanpopo Noodle for the first time about a month ago and were very pleasantly surprised. The ambiance is bland and there are only about 12 tables, so we were apprehensive walking in, but as soon as the food came we knew we had made an excellent choice. Everything was delicious and the prices were terrific. Tanpopo is definitely a hidden jem. Take in some jazz after dinner at the Artist's Quarter and you'll have a terrific night!
The simple, chic loft space matches the artistic Japanese noodle dishes that come from the kitchen. – In Short
A hand-planed wood waiting bench welcomes guests; dishes are served in thrown pottery and soaring ceilings don't detract from the comfy, casual vibe. The St. Paul Farmers' Market is just across the street, and the Tanpopo chefs carry armloads of fresh ingredients back to their kitchen. Traditional Japanese noodle dishes are served hot (soups) or cold (salads), and you choose either udon or soba noodles to go with the simple mushroom, chicken and veggie combinations.
One and only Japanese Noodle Shop in town – The owner and chef knows what it needs to be a noodle shop. They (she) is not afraid to try new ingredients and ideas. They can be noticed in the specials and the desserts. Good service. I would have to say I prefer their old location when the chef and owner is also the waitress (who has now retreated to the kitchen) but nevertheless it is still a great little noodle shop.
If you like japanese noodles... – ...you'll love tanpopo. I went there for the first time and I was impressed.
The broth for the udon was tasty and steaming hot, noodles were cooked perfectly, the prices are really great and large portions.
I will definetely be back.
a neighborhood jewel – Just what a neighborhood place should be--great food, good service, and a lovely setting. Don't just try the noodles, though, check out the daily teishoku, a great combo of rice, miso, salad, and entree. Very affordable and a great date place.
Fantastic – The space is great, the servers friendly, and the prices are unbelievably low for what tastes and feels like the freshest food outside your own garden.
Still a winner – I've been back to Tanpopo 4 times since it has reopened. The food is still great and affordable. The waitstaff is friendly and down to earth. On our first visit after the reopening, our favorite server from the old location rushed over to greet us and see how we had been doing since the Selby Ave. closing.
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You can view the current or previous issues of Diabetes Health online, in their entirety, anytime you want.
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Type 2s who take thiazolidinediones (TZDs) such as Avandia and Actos face an increased risk of heart failure, and researchers suggest that physicians should consider alternative therapies.
Researchers studied health insurance claims between 1995 and 2001 for two groups, one with about 5,500 patients who used oral TZDs and another group of 28,100 who did not. Those on TZDs tended to be younger but also more likely to experience coronary artery disease or diabetes complications.
TZD patients experienced an 8.2 percent rate of heart failure compared with 5.3 percent in the control group.
The researchers urge physicians to be alert for symptoms of congestive heart failure, such as shortness of breath, in patients on TZDs and to consider different therapies for patients at risk.
Diabetes Care, November 2003
Categories: Diabetes, Diabetes, Heart Care & Heart Disease, Research, Type 2 Issues, Type 2 Medications
0 comments - Mar 1, 2004
Diabetes Health is the essential resource for people living with diabetes- both newly diagnosed and experienced as well as the professionals who care for them. We provide balanced expert news and information on living healthfully with diabetes. Each issue includes cutting-edge editorial coverage of new products, research, treatment options, and meaningful lifestyle issues.


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Fine-Lubinsky syndrome
Other Names for this Disease
- Brachycephaly, deafness, cataract and mental retardation
See Disclaimer regarding information on this site. Some links on this page may take you to organizations outside of the National Institutes of Health.
cataracts, intellectual disability, and several other features affecting various parts of the body.[1] Although the majority of reported cases have been sporadic (occurring in individuals with no history of the disorder in the family), the syndrome has been reported in one pair of siblings with an apparently autosomal recessive inheritance pattern.[2]Fine-Lubinsky syndrome is a very rare syndrome which has only been reported in a few individuals. Signs and symptoms may include brachycephaly (short or broad head), hearing loss,
Last updated: 4/27/2011
- Robert J. Gorlin, Meyer Michael Cohen, Raoul C. M. Hennekam. Syndromes of the Head and Neck, Fourth Edition. US: Oxford University Press; 2001;
- Fine-Lubinsky syndrome. Orphanet. September 2007; http://www.orpha.net/consor/cgi-bin/OC_Exp.php?lng=EN&Expert=1272. Accessed 4/27/2011.
Your Questions Answeredby the Genetic and Rare Diseases Information Center
1 question(s) from the public on Fine-Lubinsky syndrome have been answered. See questions and answers. You can also submit a new question.
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In Depth Information
- The Online Mendelian Inheritance in Man (OMIM) is an catalog of human genes and genetic disorders. Each entry has a summary of related medical articles. It is meant for health care professionals and researchers. OMIM is maintained by Johns Hopkins University School of Medicine.
- Orphanet is a European reference portal for information on rare diseases and orphan drugs. Access to this database is free of charge.
- PubMed is a searchable database of medical literature and lists journal articles that discuss Fine-Lubinsky syndrome. Click on the link to view a sample search on this topic.


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Nutrition and Wellness Programs
HACCP Based Food Safety Program Guidance
The United States Department of Agriculture (USDA) recently provided guidance regarding the Hazard Analysis and Critical Control Point (HACCP) requirements. Guidance for School Food Authorities: Developing a School Food Safety Program Based on the Process Approach to HACCP Principles was sent to all school food authorities (SFAs). The USDA encourages all SFAs to review the guidance which is also available on their website: HACCP Guidance Manual . All SFAs must have a fully implemented food safety program that complies with HACCP principles or with this guidance no later than the end of the 2005-2006 school year.
To provide further clarification on issues impacted by the HACCP requirements, USDA also released a set of question and answers. SFAs should review this information to ensure compliance with program requirements: Food Safety Questions and Answers .


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This Nov. 28, 2011 photo provided by the Minnesota Department of Natural Resources shows a cougar that was shot and killed in a rural area of Jackson County in southwestern Minnesota. The state Department of Natural Resources is investigating the fatal shooting of a cougar in southwest Minnesota. It's illegal to shoot mountain lions, or cougars, in Minnesota unless they're posing a threat. (AP Photo/Minnesota Department of Natural Resources, Randy Markl)
Read the article: DNR Investigating Shooting of Cougar


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A 39-Inch Base and More Snow Forecast
TELLURIDE - After a string of storms in October and November, the Telluride Ski area is boasting a 39-inch base. With the sound of avalanche bombs echoing off Telluride and Mountain Village buildings, local businesses are experiencing a promising start to the 2013-2014 ski season.
Adding to the seasonal cheer, Telluride ranked first in the Condé Nast Traveler's 2013 reader's poll of top ski resorts in North America for the second year in a row.
As a point of comparison, Telluride reported only a foot of snow at the beginning of last ski season. Moreover, building the course for last year's Snowboardcross World Cup consumed much of the mountain's snowmaking capacity, making it difficult for the mountain to open other portions of the mountain to skiers.
But since Telski declined to host the World Cup this year, snowmaking crews will be able to build on great natural snowfall to open more of the mountain earlier.
"It's been a while since we've had this much snow this early," said Tom Watkinson, the public relations and communications manager for Telski. "We're having one of the best starts in recent memory. If Mother Nature keeps working with us, we'll have expedited terrain openings well ahead of past years. The quality of skiing will be off the chart.
"Coupled with the improvements we've had in snowmaking, the feeling up here is great. I can't remember such a great start to a winter," he added.
And plenty more snow may be on the way.
Meteorologist Joe Ramey of the National Weather Service in Grand Junction, who has been predicting weather since 1989, said the 2013-2014 winter looks like a wildcard. While he has formally predicted "neutral" snowfall levels, his forecast indicates that this ski season could produce exorbitant snowfalls, especially in December.
"This kind of year, neutral, indicates that all possibilities are open. I recall the winter of 1992-1993 had the same outlook and was a very wet and snowy one for the San Juans," he said. "Right now, particularly in the San Juans, we've had lots of snow already. We're looking at a really wet December going forward," he added.
The early snowfall and encouraging weather forecasts have helped drive business.
"The snow has kept the phone ringing with reservations," said Amanda Acosta, director of sales and marketing at Hotel Telluride. "It looks like it's going to be a good winter. Year over year for December, we're double. And for the first quarter in 2014, we're already five percent ahead from the year before," she added.
Watkinson said the TelSki-owned accommodations, which include the Inn at Lost Creek, are outperforming last year. "We've already surpassed reservations for December and January," he added.
The Lumière, is experiencing a similar surge in advance bookings
"Last year was strong, but what's more encouraging is to see a high volume of repeat bookings year-on-year, which gives us a terrific baseline," said Lumiere general manager Clare Evans.
"We're already 33 percent ahead of the same time last year. In the first quarter next year, we're already 20 percent ahead from the same quarter of 2013," Evans added.
Element 52, an Auberge resort located in Telluride, is also feeling the surge of increased demand for Telluride lodging.
"Due to an increase in demand, six additional rental residences were added to the Auberge rental pool in December 2012. Again in August 2013, three new residences were added to the rental pool. Typically with an increase in supply, demand can go down, however we have not seen this to be true with our bookings," said Element 52 general manager Jacqueline Glockler.
Retailers are sharing in the optimism.
"Just with the economy seeming to perform stronger, our numbers are real strong. The stars seem to be aligning, if you will," said Bootdoctors owner and co-founder Bob Gleason. "Especially with the good base we have right now; this is a really positive start. People are more willing to buy their gear earlier because they know they're not going to trash it on a thin base."
The early uptick in business can be partly attributed to Telski, the Telluride Tourism board and the Colorado Flight Alliance, which began a collaborative marketing effort in the fall. TelSki also announced it hired Backbone Media, the tourism board's media buying agency, to engage more aggressively in pinpointed marketing outreach.
The collaborative campaign includes digital banner ads that are seen on computers, tablets and smartphones. Telski has also earmarked additional funding for traditional print advertising to diversify the multi-pronged marketing outreach approach.
Michael Martelon, the tourism board's CEO and president, said the effort is already paying off. "I think the exciting thing is that airline loads picked up dramatically when the marketing hit," he said.
"What many people don't realize is that the average person that stays in Telluride or Mountain Village spends 40 percent of their total dollars spent in the region on lodging," Martelon said. "The other 60 percent is spent down in the towns on food and beverage, retail or lift tickets."
Matt Skinner, Chief Operating Officer of CFA, agrees that the collaborative marketing effort has paid off, resulting in more visitors to Telluride traveling by air.
"Air bookings are looking solid, with total passengers up slightly for the season," Skinner said. "November has been a strong sales month, with the combined TSG-TTB-CFA marketing campaign hitting in earnest and resulting in a 30 percent increase in weekly sales. The recent snow should also help continue to boost sales, and we have a great opportunity with added seats in February and March to grow visitation for the year.
"Our low-cost Allegiant flights, including the new LAX service, are off to a much stronger start this year, and we love to see such heavy local usage of those flights, including family, friends and business partners," Skinner added.


text: Tom Bechman Archives Email Author Will Sagging Grain Prices Make Those Who Paid High Cash Rent Uneasy? Latest government report bearish for grain prices short term. Published on: Jan 16, 2012 Tweet Post to Your Wall. Email Story RSS Permalink Print The bull expected to run off of the short corn crop last year and tear through the market, taking prices to $8 per bushel and keeping them there, never ran. Arlan Suderman, marketing specialist for Farm Progress Companies, documented that fact in his monthly column and in his daily market reports. Now the bull is nowhere to be seen. Instead, a big bear looms on the horizon. Chris Hurt, Purdue University ag economist, says that's after ag economists and traders alike were caught off guard with the last government report, issued as the final report for the 2011 crop year. Unlike a year ago when USDA shaved a few more bushels per acre off yield in the January report, they actually added a small amount back. Compared to August estimates, the yield per acre was still lower, but it was higher than in the last report in most cases. Most important of all, it was higher than what the trade expected. That sent markets tumbling late last week. The soybean picture didn't look any better, impacted partially by what's happening in South America. It's still a long way until next September, however. What Suderman thinks it all does mean is that the size of the U.S. crop this year could have a tremendous impact on carryout and corn prices. If yields move back toward trend yield or higher with a good season, stocks will be replenished and prices will sag lower. However, if it's another bad weather year, a small change and another year below trend line yield nationally could keep stocks tight and corn prices up. He believes yield levels will be more important than ever for this upcoming crop year. Hurt has suggested more stability coming into the market beginning in 2012. Part of that, even before the latest report, came from the fact that the government mandate eases back on the additional amount of ethanol it requires to replace fossil fuel over the next three years. Then the amount is capped around 2015. Stability can remove the volatility farmers, and especially livestock feeders, have faced over the past few seasons, he observes. However, it can also make for years of tighter and lower margins for grain farmers in general. It could put management at a premium. Part of management is obtaining land at a cash rent agreement that you can sustain, even when prices aren't as high for commodities in 2011.


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3679 29th St SE, Grand Rapids
3650 28th St. Se, Kentwood
In ShortBoomerangs, Aussie flags, kangaroo portraits and faux aboriginal art honor the homeland's wilderness, but Outback delivers a polished version of rusticity with varnished…
3345 28th Street S.E., Grand Rapids
I love this restaurant. I love their club sandwich and they have great desserts. Also, the service has always been good on my visits. The prices are reasonable too!
2948 28th St SE, Kentwood
Every place in town could learn a lesson from these guys. Although it is busy at lunch, you are always seated immediately, greeted and given chips and salsa. Your food comes…
3195 28th St Se, Grand Rapids
4242 Division Ave S, Grand Rapids
I had a good experience when I move to Michigan From Toronto, ON. It's decent Cantonese food which as they said. I had a Brunch today and very please. also the environment is not…
4512 Breton Rd SE, Grand Rapids
I really enjoy their pizza. I love the square pizza because I love the crust. The cheese is delicious! The service is very fast and impressive. The prices are great.
5422 Division Ave S, Grand Rapids
Their subs are great! Bread is delicious and nutritious. Way better than your main chain everyone defaults to.....aka subway.
2901 Breton Rd SE, Grand Rapids
Shogun has wonderful sushi and a peaceful atmosphere. The sushi is yummy and reasonably priced. They have great private rooms you can reserve where you dine in a more traditional…


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7 Things Your Interviewer Wants You to Know
To avoid getting caught like a deer in the headlights, prepare now for your next job interview.
Don't be that candidate! If you are job-hunting full time, spend a fraction of each week thinking about and actively getting ready to interview so you aren't caught ill-equipped when the time comes.
Here are seven things your interviewer wants you to know and action steps to help you successfully navigate the interview process:
1. It is tough to hire a quality employee. It's ironic that unemployment is so high, but there is a definite war for talent. Your interviewer is likely tired of looking for someone to hire and rooting for you to be the perfect fit.
Focus on how you can be the ideal candidate. Make a list of your qualifications and rehearse answers to, "Why should we hire you?"
[See 11 Helpful Sites for Job Seekers.]
2. No one wants to interview a slob. Dress professionally, even if you're an internal candidate or are interviewing for an entry-level position with no dress code. You don't need a three-piece suit, but if you look like you're on the way to a supermarket, it gives the impression you don't care very much about the opportunity.
Before you get the call for an interview, compile several reasonable outfits. Don't forget to select shoes, a belt—everything you'll need to look presentable. Keep these items ready at a moment's notice.
3. Eye contact and body language are important. Studies show interviewees make a defining impression within the first 30 seconds. Don't slouch in your chair or fidget.
If you're uncomfortable making eye contact, practice with a friend or coach. Video tape a mock interview and pay close attention to how you sit and act. Practice sitting up straight, leaning toward your interviewer, and making consistent eye contact.
[See When you Need Time to Consider a Job Offer.]
4. No one wants to listen to long, drawn out replies. Keep your answers brief and to the point. If your interviewer is compiling a mental grocery list while you are speaking, you can bet you're not going to be the top candidate. Time yourself speaking for one minute. You may be surprised by how much you can say in a short time. Identify common interview questions, such as, "Tell me about yourself." Don't mistaken this for an open invitation to share your autobiography. Prepare succinct answers that address details the interviewer needs to know, including the main question at hand: What qualifies you for the job?
5. Directly answering questions is key to successful interviewing. Listen carefully, especially if inquiries have multiple parts. Don't be afraid to jot down some notes, especially if they'll help you address each inquiry succinctly.
Prepare several stories to illustrate your successes, describe interpersonal relationships with colleagues and supervisors, and detail one or two negative situations you managed to salvage. If you prepare well, you can probably use these stories to address most interview questions. Be sure your stories clearly outline the problem you faced, the action you took, and the result. Many people omit the all-important result. Don't.
6. It's important to demonstrate what you know about the company. A little research goes a long way.
Keep up-to-date with the news about organizations of interest. Set a Google alert for them so you won't miss anything important. Use all of the resources at your disposal to learn about the places where you want to work.
[For more career advice, visit U.S. News Careers, or find us on Facebook or Twitter.]
7. Have questions for the interviewer. If you have nothing to ask, it makes you seem uninterested in the job.
When you prepare, identify some unique questions for your employer. Don't ask anything you could easily find via research. If you come up with a thought-provoking question—one that isn't found on lists of questions to ask—it will help you stand out from the competition.
Interviewing isn't easy, but if you prepare throughout your job hunt to address these inevitable issues, you will not be left struggling to answer, "Why should we hire you?" or running out at the last minute to find an appropriate interview outfit. Being prepared isn't just a motto—it needs to be a way of life for job seekers who want to succeed.
Miriam Salpeter is a job search and social media consultant, career coach, author, speaker, resume writer and owner of Keppie Careers. She teaches job seekers and entrepreneurs how to incorporate social media tools along with traditional strategies to empower their success. Connect with her via Twitter @Keppie_Careers.


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I was born in the 70s. I don't remember much of it, other than seeing Steve Martin live in Vegas with my parents, "Bewitched", and a vague notion of un-ironic green shag carpet. My greatest memory from the otherwise greasy time period was undoubtedly seeing Star Wars in the theater on opening weekend. My dad and I had dropped my mom off at the airport back in the days when you could smoke on planes and walk people to their gate. We left the terminal and went straight to a movie theater to see what this space movie business was all about.
One hundred and twenty-five minutes later (no, I'm not counting the previews for whatever disco-themed movies probably ran) my brain was altered. A New Hope had grabbed my tiny imagination by the scruff and shook it for all it was worth. I saw the movie again. And again. And again.


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Celebrity Photos: George Clooney, Mel Gibson, Evan Rachel Woods, Marisa Tomei
AP Photo/Andrew Medechini
George Clooney takes over Venice
George Clooney's new film "The Ides Of March" heats up the red carpet at the Venice Film Festival.
Also featured today: Mel Gibson in court; Evan Rachel Woods looking very grown-up on the red carpet; and Marisa Tomei sexy in yellow.
Check out these photos and more, click here