How to Make sure you know who is looking at your credit report and ...

Tip #21: Make sure you know who is looking at your credit report and why

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Many inquiries look bad on your credit report, but more than that you likely want to know who can see your personal financial information, now that you know that your personal information is stored in a credit report.? If you sign a document with a lender or apply for credit online, you can be sure that someone is looking at your credit report.

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However, you may want to look over other documents in order to see who is taking a peek.? Insurance agents will often look at your credit report, for example.? Some landlords and potential employers will, too.? You need to be careful about online sources, too.? In general, when you provide someone with your social insurance number, you may be giving permission to look at your credit report.? You shouldn?t bar people from looking, but knowing who is looking is good financial practice.

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Tags: ? Credit Score

Source: http://finances.howtosolutionhere.info/credit-score/how-to-make-sure-you-know-who-is-looking-at-your-credit-report-and-why/

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Google's Nexus Q takes on Microsoft, Apple in the living room

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FTC's ability to thwart online deception extremely limited: report

7 hrs.

Devin Coldewey

The Federal Trade Commission, established almost a century ago to investigate unfair and deceptive business practices, appears to be rather poorly suited for policing the vast and changeable online world, suggests a report from ProPublica. The FTC is secretive about its methods, but a cursory examination by the non-profit, investigative news organization shows that the agency's capabilities are limited in fundamental ways.

Despite the FTC?employing nearly 1,200 employees, the relatively new department established to cover the ?mobile sector of commerce comprises just six people?? three of whom are from the legal department.?Furthermore, the people who ostensibly oversee commerce involving the hundreds of millions of phones in this country ? along with apps, services and carriers?? are restricted in both the hardware and software they use.

BlackBerry phones?are used at the FTC and other government agencies?for security reasons, but iPhone or Android devices and the apps they run are kept in a basement lab, which very likely makes real use of them impossible. Several employees interviewed admitted to using personal devices to do their work. The FTC itself doesn't seem to see the necessity of providing its employees with the means to do their job:

The interview with [Mobile Technology Unit director Patricia] Poss was conducted in an office on the third floor of the FTC?s headquarters, with an FTC spokeswoman on hand. When Poss was asked whether it wouldn?t make sense for the director of the Mobile Technology Unit to have a government-issued iPhone or Android, the spokeswoman, Claudia Farrell, interceded.

?He?s trying to get you to bitch, Patti. Don?t do it.?

The Internet inside the agency, too, is restricted. Many sites, including Apple's App Store, simply cannot be accessed from the government's network. The report's writer compares it to telling cops they can't go to high-crime neighborhoods.

So it comes as no surprise that?when Internet-based companies are found to be deceiving or mistreating their customers, it's usually a young security wonk or other non-public entity that makes the discovery. Or, as?in a recent case where Google was found to have collected an enormous amount of private data using its Street View cars, the mistreatment was only discovered after another government took the matter in its own hands (Germany, in this case), and the indictment had global effects.

That's not to say they don't know they could be doing more, as the agency's chief technologist, Edward Felten, tells ProPublica:

We could for sure do more if we had more people ...?There are a lot of opportunities that we have to let go by because we don?t have the people to seize them ? opportunities to measure and evaluate what?s happening every day in people?s computers and phones.

When the FTC does find itself in a position to regulate Internet and mobile companies,?the process is often so slow compared to fast-moving tech industry, that by the time the case is made and any punishment doled out, the offense (or even the offender)?is already?long forgotten.?For instance, the ProPublica report says, the FTC began legal proceedings against Myspace in 2009 ??when that social network was in decline ? and only wrapped it up and fined the company in May of this year.

The agency is simply outgunned, but it refuses to gear up, says ProPublica. Despite being outmaneuvered on both sides?? on one by large companies dancing around regulations, on the other by private or individual investigators doing their job for them?? they are not requesting more money or manpower, or?claiming very reasonably that they are more necessary than ever.

But as ProPublica points out, those who ask do not always receive:

FTC officials are reluctant to talk about their lack of funding, partly because public whining, especially during hard economic times, is infrequently rewarded. It?s also politically unwise. A vocal portion of the electorate believes the government and its regulatory arms have too much money and power as it is. Additionally, the FTC is trying to keep the tech industry honest by hinting that the feds are watching everything. It does not help if Silicon Valley realizes the FTC possesses just a handful of iPhones and Androids that are kept under lock and key in the basement.

The tech industry may not have great reason to fear the FTC at the moment, but it is still under careful surveillance by independent organizations like the EFF and other?privacy and business watchdogs. They may not have the ability to bring the weight of the federal government to bear on offending companies, but they can at least provoke the no less serious threat of public scrutiny.

The full report by ProPublica can be read here.

Devin Coldewey is a contributing writer for msnbc.com. His personal website is?coldewey.cc.

Source: http://www.technolog.msnbc.msn.com/technology/technolog/ftcs-ability-thwart-online-deception-extremely-limited-report-852493

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As Egypt's Morsi takes symbolic oath, many fear 'Islamization'

Amr Nabil / AP

Egypt's President-elect Mohammed Morsi waves to supporters at Tahrir Square, the focal point of Egyptian uprising, in Cairo on Friday, June 29, 2012.

By Charlene Gubash, NBC News Cairo

Today my best and oldest friend in Egypt told me she is going abroad to prepare paperwork in the event she decides to leave her country. It's very painful to even write that sentence and even harder to reread it. My friend is Egyptian, a devout Muslim, a patriot and yet she is preparing a plan B of escape, as so many others here have done, because she fears Egypt is turning into another Iran.

Post-revolution Egyptians to US: Stay out

Among her concerns, she mentions female self-appointed moral police, veiled from head to toe, admonishing other women that they will go to hell unless they dress conservatively. I arrived in Egypt a long time ago. To give you an idea just how long ago, NBC used an old telex machine and an even older poorly functioning landline to communicate abroad. My friend helped me master the essential skill of typing my message on a thin paper strip that I would then re-feed through the machine. Suffice to say, she was the most patient of teachers.

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One of the most impressive sights to me at the time was seeing unveiled and veiled women walking down the street together, arm in arm, no judgment and no pressure to dress a certain way. In those days, most women were unveiled. As a foreigner, I always felt welcomed and only distinguished as an American by the fact that almost every cab driver would give me the thumbs up sign, upon learning my nationality, and say cheerfully, "America, number one!"?

But Egypt is changing. Today, Egypt's President-elect Mohammed Morsi punctuated his first speech to the nation with a promise to work for the release of convicted terrorist, Sheikh Omar Abdul Rahman. Morsi addressed tens of thousands of Muslim Brotherhood and Salafist followers in Tahrir Square, taking an unofficial oath of office before the people who put him there. He described it as the real oath rather than the oath that he will take tomorrow before the general assembly of the Constitutional Court, rejecting the legal decision that dismantled an illegitimately constituted parliament and rejecting the military's additions to the constitution that would prevent him from controlling the military.

Egypt elections only the beginning of a transitional process

Morsi underlined several times that the people were the source of power and decision-making, not the institutions. Despite the fact that he initially addressed all Egyptians, Muslim and Christian, men and women, and all countries in the free world, Muslim and non-Muslim, his message was in fact directed to the hardcore constituency in front of him, fervent Islamists who would eventually like to see Egypt become an Islamic state governed by Islamic religious law.?

Although President-elect Morsi repeated a message of love for all Egyptians, the vast majority of Egyptians have little in common with the Islamists who now crowd Tahrir Square.?

"He handed power to the mob," lamented a Coptic Christian viewer on a talk show following the speech.

Egypt has elected a conservative president who has said he wants to impose Islamic law. How he will change the country remains unclear. NBC's Richard Engel reports.

Many felt it was improper to take the oath of office in Tahrir Square rather than before the Constitutional Court. "It's basically very amateurish," said Hisham Kassem, veteran publisher. "He made lots of mistakes to the point you think he's going to be a trial-and-error president... making a promise to hand over Omar Abdul Rahman, the first man to attack the World Trade Center. He will never be released. He is just going to annoy the Americans now," Kassem said.

"[Taking the oath of office in Tahrir] eroded his legitimacy. If he is banking on the street, it's not very savvy, his presidency will collapse in a year if he banks on that," Kassem added.

Analysis: Egypt's big turn under the Muslim Brotherhood

Morsi's impassioned speech is more likely to add to the atmosphere of uncertainty rather than quell it. By telling the crowded square that they were the source of power, Morsi thumbed his nose at the military generals who are trying to deny him control over the Ministry of Defense and the judiciary that has dissolved the parliament due to party members competing for independent seats.??

Most Egyptians just want to get the country -- which many say is close to the brink of economic collapse -- back on track. They would rather hear about plans for restoring tourism, creating jobs and ending bottled gas and gasoline shortages than stoking anger against the military. Most would rather see Tahrir Square become a main thoroughfare, open to traffic. Instead, Morsi has further empowered the party faithful who are camped out there.?

During the past week, the president-elect has reached out to those who are most apprehensive of a Muslim Brotherhood president, Egypt's eight million Coptic Christians, by meeting with their religious leaders.

"We are worried about the Islamization of Egyptian society," said Father Fafic Greiche, a church spokesman, in an interview with Vatican Radio. He also met with opposition parties and youth groups to discuss forming a new government that people hope will be representative of Egypt's women and secular and socially progressive groups.?

The Muslim Brotherhood party also went on the offensive to stem fears women have about the rise to power of an Islamist. A party spokesman posted a message on the official website blaming other parties for a deliberate smear campaign by linking "individuals attacking women or girls or women's hairdressers claiming to be religious police" to the Muslim Brotherhood.

Female Member of Parliament Azza al Garf condemned the severe sexual attack on a British journalism student in Tahrir Square on the day Morsi was declared president and demanded perpetrators be brought to justice. Ironically, Al Garf herself has been sued by a women's rights non-governmental organization for wanting to reverse Egyptian laws that criminalize sexual harassment and female genital mutilation.?

More world news from msnbc.com and NBC News:

Follow World News on msnbc.com on Twitter and Facebook

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Source: http://worldnews.msnbc.msn.com/_news/2012/06/29/12484697-as-morsi-takes-symbolic-oath-many-fear-the-islamization-of-egyptian-society?lite

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British court blocks sex criminal's removal to US

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Source: http://news.yahoo.com/british-court-blocks-sex-criminals-removal-us-130252367.html

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Total Recall Movie Trailer: Pure Adrenaline!

A new trailer for Total Recall is out, and director Len Wiseman's remake of the 1990 Arnold Schwarzenegger hit looks like a non-stop adrenaline rush.

Starring Colin Ferrell and Kate Beckinsale, the film features a lot of memory loss, confusing over what is real, and stuff being blown up ... awesome.

Set in a different era with advanced technology (and women with three breasts), Recall also features Jessica Biel, who dukes it out with Beckinsale.

The film arrives August 3. Watch the new Total Recall trailer below:

Total Recall Movie Trailer

Source: http://www.thehollywoodgossip.com/2012/06/total-recall-movie-trailer-pure-adrenaline/

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Saving the Baltic Sea

Public release date: 28-Jun-2012
[ | E-mail | Share ]

Contact: Daniel Conley
daniel.conley@geol.lu.se
46-070-749-4341
Lund University

Geoengineering efforts to mix oxygen into the Deep Baltic should be abandoned

Over the last decade, an average of 60,000 km2 of the Baltic Sea bottom has suffered from hypoxia without enough oxygen to support its normal ecosystem. Several large-scale geo-engineering interventions are currently on the table as proposed solutions to this problem. Researchers from Lund University are calling for geo-engineering efforts that mix oxygen into the Deep Baltic to be abandoned.

In the June 28 edition of Nature, researchers warn of the unforeseen effects of geo-engineering to relieve the lack of oxygen in bottom waters. "Such radical remediation measures promise impressive improvements in water quality on short time scales. They are popular and politically attractive, but they are also potentially dangerous," says Daniel Conley a researcher at Lund University.

Yet geo-engineering schemes are moving forwards. The Swedish Agency for Marine and Water Management has announced a plan to build a demonstration wind-turbine-driven pump in the southern Baltic. This is a significant change in current policy to reduce nutrients to the Baltic Sea.

"We are on the pathway to a healthier marine ecosystem. We have scientific knowledge, an active monitoring and assessment program, political organizations in place such as HELCOM, and the countries have agreed upon targets to reduce nutrients in the Baltic Sea Action Plan. We need to let that process work," says Daniel Conley.

"Countries from around the Baltic Sea must immediately implement the national reductions for nutrients that have been agreed upon in the Baltic Sea Action Plan. If actions are postponed further, the situation in the Baltic Sea will continue to worsen," he added.

###

For more information contact:
Daniel Conley, Department of Geology, Lund University
Tel. +46 (0)70 - 749 43 41, daniel.conley@geol.lu.se
Johanna Stadmark, Department of Geology, Lund University
Tel. +46 (0)70 - 364 04 39, johanna.stadmark@geol.lu.se

Conley's and Stadmark's research focuses on how human activities have changed nutrient inputs into the Baltic Sea and the responses of marine ecosystems to changes in human impact and climate.

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[ | E-mail | Share ]

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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Public release date: 28-Jun-2012
[ | E-mail | Share ]

Contact: Daniel Conley
daniel.conley@geol.lu.se
46-070-749-4341
Lund University

Geoengineering efforts to mix oxygen into the Deep Baltic should be abandoned

Over the last decade, an average of 60,000 km2 of the Baltic Sea bottom has suffered from hypoxia without enough oxygen to support its normal ecosystem. Several large-scale geo-engineering interventions are currently on the table as proposed solutions to this problem. Researchers from Lund University are calling for geo-engineering efforts that mix oxygen into the Deep Baltic to be abandoned.

In the June 28 edition of Nature, researchers warn of the unforeseen effects of geo-engineering to relieve the lack of oxygen in bottom waters. "Such radical remediation measures promise impressive improvements in water quality on short time scales. They are popular and politically attractive, but they are also potentially dangerous," says Daniel Conley a researcher at Lund University.

Yet geo-engineering schemes are moving forwards. The Swedish Agency for Marine and Water Management has announced a plan to build a demonstration wind-turbine-driven pump in the southern Baltic. This is a significant change in current policy to reduce nutrients to the Baltic Sea.

"We are on the pathway to a healthier marine ecosystem. We have scientific knowledge, an active monitoring and assessment program, political organizations in place such as HELCOM, and the countries have agreed upon targets to reduce nutrients in the Baltic Sea Action Plan. We need to let that process work," says Daniel Conley.

"Countries from around the Baltic Sea must immediately implement the national reductions for nutrients that have been agreed upon in the Baltic Sea Action Plan. If actions are postponed further, the situation in the Baltic Sea will continue to worsen," he added.

###

For more information contact:
Daniel Conley, Department of Geology, Lund University
Tel. +46 (0)70 - 749 43 41, daniel.conley@geol.lu.se
Johanna Stadmark, Department of Geology, Lund University
Tel. +46 (0)70 - 364 04 39, johanna.stadmark@geol.lu.se

Conley's and Stadmark's research focuses on how human activities have changed nutrient inputs into the Baltic Sea and the responses of marine ecosystems to changes in human impact and climate.

---

[ | E-mail | Share ]

?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

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