The New Generation Philippine Money Bills


Bangko Sentral ng Pilipinas (BSP) launches the new designs of the six denominations of Philippine money and was led by President Noynoy Aquino at the Malacanang Palace on Thursday, December 16, 2010.


The New Generation Philippine Banknotes

₱20 bill
Main Color: Orange
  Obverse:
•           Manuel L. Quezon
•           Declaration of Filipino as a national language
•           Malacañang Palace

Reverse:
•           Banaue Rice Terraces in Ifugao
•           Palm civet
•           Cordilleras weave design


₱50 bill
Main Color: Red
Obverse:
•           Sergio S. Osmeña
•           Leyte Landing
•           First National Assembly of the Philippines

Reverse:
•           Taal Lake in Batangas
•           Giant trevally
•           Batangas embroidery design

₱100 bill
Main Color: Mauve
Obverse:
•           Manuel A. Roxas
•           Old BSP building in Intramuros, Manila
•           Inauguration of the Third Philippine Republic

Reverse:
•           Mayon Volcano in Albay
•           Whale shark
•           Bicol textile design

₱200 bill
Main Color: Green
Obverse:
•           Diosdado P. Macapagal
•           EDSA People Power 2001
•           Aguinaldo Shrine in Kawit, Cavite
•           Barasoain Church in Malolos, Bulacan

Reverse:
•           Chocolate Hills in Bohol
•           Philippine tarsier
•           Visayas textile design

₱500 bill
Main Color: Golden yellow
Obverse:
•           Corazon C. Aquino
•           Benigno S. Aquino, Jr.
•           EDSA People Power I
•           Benigno S. Aquino monument in Makati City

Reverse:
•           Subterranean Underground River in Puerto Princesa, Palawan
•           Blue-naped Parrot
•           Southern Philippines cloth design

₱1000 bill
Main Color: Blue
Obverse:
•           José Abad Santos
•           Vicente Lim
•           Josefa Llanes Escoda
•           Centennial celebration of Philippine independence
•           Medal of Honor, which was awarded to Abad Santos, Lim, and Escoda
Reverse:
•           Tubbataha Reefs Natural Park in Sulu Sea
•           South Sea pearl
•           Mindanao design for Tinalak (Ikat-dyed abaca)


Human Nature | Catalogue Issue No. 4 Volume 2010

New Catalogue Issue No. 4 Volume 2010


It’s that time of year again -- the time of giving and sharing. Spread the Christmas cheer and gift your friends with the wonderful world of natural & organic products found in our latest Christmas catalogue. There’s a bundle for everyone, young and old, so flip through our new brochure and start your Christmas shopping to avoid the Christmas rush! 

• All Natural • 100% No Harmful Chemicals • Biodegradable ♥ PRO-PHILIPPINES ♥ PRO-POOR ♥ PRO-ENVIRONMENT ♥

Facial & Lip Care - facial wash, toner, facial scrub, day/ night moisturizer, lip balm, beauty oil, facial cleanser & make-up remover. 

Purse Products - bug spray, hand sanitizer, pocket soap.

Kid's Care - shampoo & body wash, baby wash, hand sanitizer.

Hair Care - shampoo, shampoo & body wash, conditioner, hair mask, styling cream.

Hand & Body Care - massage oil, shaving oil, body butter, hand & body lotion, body scrub, feminine wash, women's deodorant, hand soap, hand sanitizer, hand & foot salve.

Merchandise -  tote bag, t-shirt.

Click HERE for the latest BROCHURE.

Facebook's newest facelift will emphasise photos

FACEBOOK is redesigning the profile pages of its 500 million users to make it more of a reflection of their real lives, it says. 
Facebook said in a blog post today the changes are meant to make it easier for users to tell their story — who they are, where they work and who the important people in their lives are.

It also said the redesign would emphasise one of the site's most popular features — photos.

The changes include a new bio section that includes not just who you are and where you live but a set of the most recent photos that your friends have "tagged" you in.

You can see a preview of the new profile pages at www.facebook.com/about/profile.

Source: www.news.com.au

List Of Names Of Bogus Sellers


PLEASE BE INFORMED THAT A WISE SCAMMER USES DIFFERENT IDENTITY, PICTURES AND ADDRESS AND MIGHT USE INFORMATION FROM OTHER PEOPLE. ONLY FEW SCAMMER REVEAL THEIR REAL IDENTITY.
  • Abe Flores
  • Abegail Alcantara
  • Adelaida Buensalida
  • Aljane Mae Magramo
  • Alyanna Tantoco
  • Antonette Lorenzana
  • Ava Caguioa
  • Brenda Antonette Cabatingan
  • Brenda Sanchez
  • Camille Neri
  • Carmela Rose Manlosa
  • Catherine San Pedro
  • Catherine Santos
  • Cathy San Pedro
  • Christine Mae dela Cruz
  • Clarissa Hernandez
  • Dave Lopez Tan
  • Diane Ong
  • Dianne Rachelle David
  • Francine P. Chua
  • Francis Jade Salcedo
  • Gemma Francisco
  • George Tan
  • Ira Cabatingan
  • Jean Alexene Javier
  • Jean Mayo
  • Jennifer T. Yap
  • Jonah C. Canedo
  • Justine Sanchez Laurel
  • Kate Manansala
  • katherine mae moldes regalado
  • KATRINA CIELO RAMIREZ
  • Kimberly Castro
  • Kristal Santos Magtibay
  • Kristie Kate Ramirez Manansala
  • Kristine Rivera
  • Kryzzie Uy
  • Leah Fernandez
  • Lizzete Go/Robert Ronald Go
  • Lovely Magtibay
  • Lucelle Borinaga Dura
  • Maria Ellenor Mandaraog
  • Marie Lei Reyes
  • Marie Padilla
  • MARIEL LOPEZ DEE
  • marilyn jasmine
  • mark gusi tan
  • Mary Jane Dela Rama
  • Mary Rose Ferrer Reyes
  • Mia Aquino
  • Mia Manlosa
  • Nicole Wee Lim
  • Pia Uytengsu
  • Prince dee aka Prince DC aka Shey
  • Remma Jison Absalon
  • Robert Go
  • Rondel Molina Villanueva
  • Samiara U. Dalaig
  • VANESSA ANGEL GRACE GUTIERREZ
  • Wella Ybanez Saluta
  • Zarahemla Casinio

by OFFICIAL BOGUS SELLER LIST on Friday, November 26, 2010 at 2:01pm

UPDATED List Of Bogus Online Shops

by OFFICIAL BOGUS SELLER LIST on Friday, November 26, 2010 at 1:56pm 
  • Affordable IPhone (note the capital "I")  
  • Ava shoppe
  • Bagscentral
  • BestFriend Shop
  • Buy Here Shop
  • camille's good stuff
  • Catherinesantos Gurlycouture
  • Circuit Gadgets
  • Clarissa Gadgets Shop
  • CL's Eyeshop
  • Dara GI's Fashionhaus
  • Diamond Onlineshop
  • DivaDiva SaleSale
  • Divisoria Mo
  • eve shoppe
  • Flopshop Garcia
  • Frams Boutique
  • Fully Geared
  • Gadget Galore
  • Gadgets Arena
  • Gadgets FashionCollection
  • Gail shop
  • Ghi-ant Kim Shop
  • Geisha Town
  • GRACE ENERIA SHOP
  • HAVYSALE SHOP
  • heLLa'z shop
  • Her shop
  • iamsam Shop
  • Jerwil Gadgets
  • Jieane D Jieane
  • JSA Gadgets
  • kennethcole reaction
  • Kristine Onalyn Lim
  • La Sofistikada Onlineshop
  • LADYANN JUICEE
  • Latest Gadgets and fashion
  • Little Miss Black Shop
  • Luxe Shop
  • luxurydoll shop
  • Md Shoppe
  • MINAKO SHOppe
  • Mjdl Shop
  • NANAMI SHoPPE
  • NewFashion shop
  • NEWSTUFFS GALORE
  • NICEPRELOVED ONLINESHOP
  • Nikiju Hand Painted Goods
  • Oldnavy Garcia
  • Onlayn Seyl
  • PATTERNSANDPRINTS SHOP
  • Pick End Pay Shop
  • Pink Berry
  • Pinkpoptine
  • Prettyposh Shop
  • Samnok gadgets
  • Shop Grace
  • SHop niñas
  • SHOPINTO Shoppe
  • Simpleglimpse Onlineshop
  • Smart shoppe
  • Sofisticated Shoppe
  • Standout Onlineshop
  • Star Shop
  • Stopand shop
  • ThePosh Closet
  • Tipscee ni Bryan
  • Triple J shop
  • UcHiha Itachie
  • Violet shop
  • Yanna Onlinestore

Guidelines For Online Buyers & Sellers

 
There are a lot of scams out there purposely sold by dubious individuals, so here are some tips that can protect you before you buy anything. These same steps can also be used when you plan to buy physical products over the internet and not just digital products like ebooks, software, or services. Online business owners also get an idea about the right way to sell online.

Beware of deals or opportunities that seem too-good-to-be-true. For example, buying an expensive product at a cheap price or receiving an invitation to invest at very attractive rates, etc.

Be cautious if an online seller will only accept a money transfer. Most legitimate sellers will accept more than one form of payment.

Be sure to check out any seller references or “feedback” before you make a purchase.
Please remember, however, that seller references or “feedback” can be created and may be bogus. There are sellers who might be writing those reviews about themselves.. so verify who the authors of those reviews or comments are. If there is a name, verify the name by searching on Google to see if that person exists or is a real person at all. Check to see if that person has other posts about other topics, has other blogs and maybe has Facebook and Twitter. That way you know that person is real. Some sellers write reviews about themselves and then use fake names, you need to find out if the name is of a real person or fake by the doing the method of verifying

Criminals often have access to fraudulent identification, which can be very difficult to distinguish from legitimate IDs.

What is important is, you are able to establish that the owner of the website is indeed a legitimate business with a legitimate address and phone number

There are a lot of sellers out there. Find one that meets the standards, and makes you feel at ease knowing that your purchase is secure and that the product you are buying lives up to what it promises.
______________________________________________________________________________
It's very difficult to trace a scammer if they used GCASH. It's possible but it will take you a long long time until you get tired of waiting for nothing. Plus, Globe Business Center do not send out personal information if you reported someone as scammer. They will ask you to file a legal case and get several documents to prove that the person is really a scammer. You will just waste your time and money because MOST scammers are using FAKE identity for the agenda. They can not also block the user's number because only NTC are authorized to do that.

Just follow my tips above for a safe and secure online shopping <3
 
Source: VOGUESOCIETY©

Human Nature | NEW Catalogue & Products

New Catalogue Issue No. 4 Volume 2010



Available on November 20 in Metro Manila & Luzon and November 24 in VisMin
Only Php5.00 at Human Nature Head Office or a branch near you.

It’s that time of year again -- the time of giving and sharing. Spread the Christmas cheer and gift your friends with the wonderful world of natural & organic products found in our latest Christmas catalogue. There’s a bundle for everyone, young and old, so flip through our new brochure and start your Christmas shopping to avoid the Christmas rush!

::Cagayan de Oro::
Contact Mitch 0923.886.7767

Source: humanheartnature.com

Human Nature Newsletter: Message from the President

Dear Friends,

Christmas is just around the corner! This year, the infant Jesus will be made real for the Citronella farmers of Brgy. Kanapawan in Bicol thanks to your generosity and hard work. We will be giving 100% of the profits of our best-selling Citronella Bug Spray until Christmas to build a school, fund the teacher’s salary, provide healthcare for all residents and build 3 new extractors for their Citronella expansion. We call this One Heart For One Community and we pray that with this support, this barangay will never be poor again. We can change our country when we really try by simply following Jesus all the way to the slums!

You’ll also be glad to know that we've come up with exciting Christmas bundles to delight and inspire your loved ones. The much-awaited Love Minerals line of mineral make-up is available right now! We also have new facial washes, toners, sanitizer, tinted lip balm and cleansing oil, all of which we feel are great improvements over their previous formulations.

This year has been an extremely busy year full of milestones. We just concluded our first-ever Human Nature Summit where dealers from across the country came to meet our partner communities, fellow dealers and not to be forgotten, the very beautiful and inspiring Hollywood actress and Human Nature Global Ambassador, Ms. Rachel Grant. It's hard to believe that it's only been two years since we launched Human Nature with just a handful of products and the dream to create a global Filipino brand that can help build the country and save the environment. We hope that you will always be with us as we continue this journey.

Yours with hope,

Anna Meloto-Wilk
President
Gandang Kalikasan Inc.

Sophie Martin in Cagayan de Oro

New trends in fashion have finally arrived in Cagayan de Oro City!

Sophie Paris Phil's., Inc. recently opened its new showroom in Cagayan de Oro City, conveniently located at the 2nd floor of Southbank Building, fronting City Central School, corner Velez-Yacapin Sts., Cagayan de Oro City. Sophie offers a wide array of new and exclusive French-designed bags, accessories, apparels, cosmetics, etc. direct from Indonesia for the fashion-conscious and trendsetting people who wish to own high quality and fashionable products at reasonable prices.

PINAKAMURA!! House and Lot in Antipolo. Flood Free!

Sophie Paris Phils. Inc. is already an international brand that's been widely patronized in Morocco, Philippines, Indonesia and now in Vietnam. Its marketing strategy is direct marketing and has its members as distributors. There's so much to gain and enjoy in the Sophie business. Constantly, catalogues are updated every two months ... offering new and affordable products! Monetary, travel (domestic and international) and many other gifts are likewise splurged as incentives to sales performers! It's really a fun experience - the Sophie way!


House and Lot for Every Juan. 5% OFF!!

So, take this opportunity to be part of a team that's - SOPHIEling great and SOfabulous! Our customer attendants will be very happy to entertain all your inquiries. *

Source: www.goldstardailynew.com

Facebook Fraud: Massive Scam Targets Social Networks

Federal investment regulators issued a warning this week about a sophisticated and fast-growing fraud that trolls social networks for victims and has already cost investors hundreds of millions.
Using advertisements on Facebook to lure in initial victims, who are then convinced to inadvertently con their friends, so-called “high-yield investment program” scams have gone viral, spurring an entire online community, according to the Financial Industry Regulatory Authority.
“HYIPs use an array of websites and social media –including YouTube, Twitter and Facebook — to lure investors,” said John Gannon, senior vice president of investor education with FINRA. “They’re very sophisticated.”

RECOVER your 7.5M investment in as fast as 7 years!
The pitch is a simple one: Invest in safe securities that pay high yields through a supposedly “guaranteed” program that pays “interest” as often as once a week. But these programs are Ponzi schemes that do nothing more than pay old investors with the money brought in from new investors.
The trick that makes them successful? They’re using Facebook and Twitter to woo youthful and unsophisticated victims, who are then told that they can get “referral fees” for recommending the investments to their friends.
Since the Ponzi scheme appears to pay high rates — at least for a while — victims think they’re doing their friends a favor and become the scam’s most avid proponents and salesmen. The victim/salespeople are further convinced that they’re touting something legitimate because the con artists are supporting dozens of supposed “rating sites” that pretend to point investors to the “best opportunities.” There are even YouTube videos promoting the “investment programs.”
That combination has made the scam “viral” — growing at an exponential pace. The number of high-yield investment programs investigated by the FBI jumped 105% in a year. Yet the con is so new that regulators have only nabbed two operators — the people behind Pathway to Prosperityand the so-called Genius Fund, which cost investors an estimated $400 million.
“There is this whole world online,” said Gannon.  ”I never seen anything like this.”
There’s even an eBook called “Riding the Ponzi,” that acknowledges that the HYIP programs are Ponzi schemes, but contends that people can profit by “timing” the con — getting in early and jumping out before the scheme collapses.
All of the high-yield investment programs are scams, Gannon said. “It is not often that you can say that, but this time every one of them is a con.”
Avoid these schemes at all costs, regulators said. If you’ve already been taken, at least don’t send more money and certainly do not refer your friends.

RECOVER your 7.5M investment in as fast as 7 years!
But you’re sure that you’ve stumbled on the one legitimate high-yield investment program? Here are the warning signs that it’s a scam:
  • High, short-term yields: The return is usually stated as a “daily rate,”  and the schemes may offer “short-term” (daily or weekly) and “long-term” (60-day) payout options.
  • Off-shore operations: Many HYIP sites are headquartered offshore. Pathway to Prosperity, for example, was run out of the Philippines. Genius was headquartered in Cyprus.
  • Payment with e-Currency: Almost all the sites require you to open an “e-currency” account to transmit money. These e-currency sites are unregulated help the con artists obscure the money-trail that would otherwise lead back to them.
  • Incentives to recruit: Most cons offer “referral bonuses” that can let victim/salespeople earn up to 25% of the amount their friends invest. New investors are always needed to keep Ponzi schemes afloat.
If you think you’ve been scammed, report it to the FINRA Investor Complaint Center online or call them at     1-866-963-4672   
Source: http://moneywatch.bnet.com 1-866-963-4672

7 Things to Stop Doing Now on Facebook

Using a Weak Password

Avoid simple names or words you can find in a dictionary, even with numbers tacked on the end. Instead, mix upper- and lower-case letters, numbers, and symbols. A password should have at least eight characters. One good technique is to insert numbers or symbols in the middle of a word, such as this variant on the word "houses": hO27usEs!


RECOVER your 7.5M investment in as fast as 7 years!

Leaving Your Full Birth Date in Your Profile

It's an ideal target for identity thieves, who could use it to obtain more information about you and potentially gain access to your bank or credit card account. If you've already entered a birth date, go to your profile page and click on the Info tab, then on Edit Information. Under the Basic Information section, choose to show only the month and day or no birthday at all.

Overlooking Useful Privacy Controls

For almost everything in your Facebook profile, you can limit access to only your friends, friends of friends, or yourself. Restrict access to photos, birth date, religious views, and family information, among other things. You can give only certain people or groups access to items such as photos, or block particular people from seeing them. Consider leaving out contact info, such as phone number and address, since you probably don't want anyone to have access to that information anyway.






by Consumer Reports Magazine
Wednesday, May 12, 2010
Posting Your Child's Name in a Caption

Don't use a child's name in photo tags or captions. If someone else does, delete it by clicking on Remove Tag. If your child isn't on Facebook and someone includes his or her name in a caption, ask that person to remove the name.

Mentioning That You'll Be Away From Home

That's like putting a "no one's home" sign on your door. Wait until you get home to tell everyone how awesome your vacation was and be vague about the date of any trip.

Letting Search Engines Find You


To help prevent strangers from accessing your page, go to the Search section of Facebook's privacy controls and select Only Friends for Facebook search results. Be sure the box for public search results isn't checked.

6 Things You Should Never Reveal on Facebook

The whole social networking phenomenon has millions of Americans sharing their photos, favorite songs and details about their class reunions on Facebook, MySpace, Twitter and dozens of similar sites. But there are a handful of personal details that you should never say if you don't want criminals — cyber or otherwise — to rob you blind, according to Beth Givens, executive director of the Privacy Rights Clearinghouse.

Earn Php1.04M per Year with this Great Investment!

The folks at Insure.com also say that ill-advised Facebook postings increasingly can get your insurance cancelled or cause you to pay dramatically more for everything from auto to life insurance coverage. By now almost everybody knows that those drunken party photos could cost you a job, too.

You can certainly enjoy networking and sharing photos, but you should know that sharing some information puts you at risk. What should you never say on Facebook, Twitter or any other social networking site?

Your Birth Date and Place

Sure, you can say what day you were born, but if you provide the year and where you were born too, you've just given identity thieves a key to stealing your financial life, said Givens. A study done by Carnegie Mellon showed that a date and place of birth could be used to predict most — and sometimes all — of the numbers in your Social Security number, she said.

Vacation Plans

There may be a better way to say "Rob me, please" than posting something along the lines of: "Count-down to Maui! Two days and Ritz Carlton, here we come!" on Twitter. But it's hard to think of one. Post the photos on Facebook when you return, if you like. But don't invite criminals in by telling them specifically when you'll be gone.

Home Address

Do I have to elaborate? A study recently released by the Ponemon Institute found that users of Social Media sites were at greater risk of physical and identity theft because of the information they were sharing. Some 40% listed their home address on the sites; 65% didn't even attempt to block out strangers with privacy settings. And 60% said they weren't confident that their "friends" were really just people they know.

Confessionals

You may hate your job; lie on your taxes; or be a recreational user of illicit drugs, but this is no place to confess. Employers commonly peruse social networking sites to determine who to hire — and, sometimes, who to fire. Need proof? In just the past few weeks, an emergency dispatcher was fired in Wisconsin for revealing drug use; a waitress got canned for complaining about customers and the Pittsburgh Pirate's mascot was dumped for bashing the team on Facebook. One study done last year estimated that 8% of companies fired someone for "misuse" of social media.

Password Clues

If you've got online accounts, you've probably answered a dozen different security questions, telling your bank or brokerage firm your Mom's maiden name; the church you were married in; or the name of your favorite song. Got that same stuff on the information page of your Facebook profile? You're giving crooks an easy way to guess your passwords.

Earn Php1.04M per Year with this Great Investment!
Risky Behaviors

You take your classic Camaro out for street racing, soar above the hills in a hang glider, or smoke like a chimney? Insurers are increasingly turning to the web to figure out whether their applicants and customers are putting their lives or property at risk, according to Insure.com. So far, there's no efficient way to collect the data, so cancellations and rate hikes are rare. But the technology is fast evolving, according to a paper written by Celent, a financial services research and consulting firm.

So again,
  Your Birth Date and Place
  Vacation Plans
  Home Address
  Confessionals
  Password Clues
  Risky Behaviors

Source: finance.yahoo.com

New Ways Bankers Are Spying on You

Big Banker is watching you—more closely than ever.

With lenders still skittish about making new loans, credit bureaus and others are hawking services that help banks probe deeply into your financial closet. The new offerings include ways to look at your rent and utility payments, figure out your income, gauge your home's value and even rate your banking habits based on details like whether your direct deposits have stopped.

All of this could influence your financial freedom—not to mention the number of junk-mail solicitations you receive.


SAVE Over Php2.5M the moment you buy this 10-Door Apartment, QC.

Ken Lin, CEO of Credit Karma, a credit-score information website, knew he had a good credit score. But when he recently applied for a new credit card, he was rejected: The lender had flagged him as a higher credit risk because the value of his California home had declined and his mortgage principal wasn't declining—giving away that he has an interest-only mortgage.

"It's a lot more than just your credit score today," he says.

Your credit record still matters, of course. But here are some newer ways lenders and financial-services companies are sizing up your financial behavior and credit-worthiness:



Fair Isaac, the creator of the widely used FICO (NYSE: FICO - News) credit score, is marketing bank-depositor behavior scores, which are used by banks to assess their own customers.

The scores are based on balances, deposit records and withdrawal activity, says Debb Gordon, a senior principal consultant at Fair Isaac.

Unlike credit scores—which are most affected after payments are late or credit is maxed out—behavior scores can be a leading indicator of credit risk. They also can help banks identify which of their customers might be ripe for additional services and rewards programs and which might need special attention because, for instance, their direct deposits had stopped.



This business took off earlier this year after the Federal Reserve allowed lenders to use credit bureaus' income estimates to satisfy new requirements that credit-card applicants show the ability to pay their debts.

The bureaus use credit-record information, such as the size of your credit lines and the age and size of your mortgage, and plug it into models to predict your earnings. Those estimates also may be used to double-check the income you report on credit applications or to determine if you should be preapproved for credit.

You can't see those estimates. But if you are denied credit because of them, you must be given a chance to provide additional information.


An estimated 40 million consumers, including young people and people who prefer to pay in cash, have too little credit experience to generate a useful credit score. But they are likely to pay rent or utility bills, which could help credit bureaus better assess their credit-worthiness.

Experian, one of the three major credit bureaus, bought RentBureau—which collects rental-payment data from large property managers—and expects to integrate that information into credit records before the end of the year.

Even if those consumers don't want credit, that information could help them win better rates from insurers, which may use insurance scores based on credit records, and fatten up thin credit files, which some employers check before making hiring decisions.


Credit bureaus say they also would like to offer data on cellphone payments, but have run into concerns over privacy issues, which may require legislation to untangle.


If you owe money, you can run, but you can't hide. Credit bureaus can now send daily reports to collection companies when a debtor's financial status changes—say, if new employment information appears or if a debt starts to decline. A drop in credit use would indicate that the consumer has more capacity to pay and a better chance of repaying other outstanding debts.


As home values have plummeted and foreclosures have soared in many states, lenders of all stripes have become more cautious, as Mr. Lin found. Using home values as a factor in credit decisions doesn't appear to be widespread, but it may come into play when someone in, say, Nevada or California applies for a new loan. Of course, it also could work in your favor if you are one of the roughly 25 million Americans who owns a home outright.


Information about your assets other than homes and cars, which aren't part of the credit record, may soon play a bigger role in your financial life. With a better sense of a consumer's balance sheet, lenders might be able to target potential customers better and also have a fuller sense of their likely risk. Equifax, another of the big three credit bureaus, offers financial-service providers an estimate of liquid wealth as part of a financial "suite" of information.

As all of this becomes a widespread practice, those who are prompt and careful in all aspects of their financial life may have more options—and those who have been sloppy with, say, their bank accounts may be penalized for that.

Write to Karen Blumenthal at karen.blumenthal@wsj.com

Source: finance.yahoo.com
Your Wealth
Home Values
Collection Triggers
SAVE Over Php2.5M the moment you buy this 10-Door Apartment, QC.
Rent Payments
Income Estimation
Bank-Depositor Behavior Scores

Worker Fired For FaceBook Post

Can criticizing the boss on Facebook get you fired?
Information may want to be free, as the old Internet adage goes--but how far does such freedom extend when it comes to criticizing your boss on social media platforms?

That's the question that the  National Labor Relations Board is putting before an administrative law court. NLRB lawyers are contending that a Connecticut-based ambulance service illegally fired an emergency medical technician after she criticized her supervisor on Facebook, the New York Times reports.  The case could have broad implications for workers' speech rights as applied to social media.

Earn Php1.04M per Year with this Great Investment!

According to the complaint, Dawnmarie Souza was fired after using vulgarities to ridicule her supervisor in a Facebook post.  Souza also wrote, using the company's terminology for a psychiatric patient: "Love how the company allows a 17 to become a supervisor."

Souza and the supervisor had clashed after the supervisor would not let a union representative help her to prepare a response to a customer's complaint about her work.

The company, American Medical Response, says it has a policy that bars employees from depicting the company on Facebook and other social media sites on which they post pictures of themselves.

The NLRB argues that the rule is overly broad--and that the firing of Souza violates the National Labor Relations Act, which, among other things, prohibits employers from punishing workers for discussing working conditions or unionization. The complaint notes that the comments triggered supportive responses from Souza's co-workers, as well as additional negative comments about the supervisor.

"This is a fairly straightforward case under the National Labor Relations Act," a lawyer for the NLRB told the Times. "Whether it takes place on Facebook or at the water cooler, it was employees talking jointly about working conditions, in this case about their supervisor, and they have a right to do that."

Earn Php1.04M per Year with this Great Investment!

But American Medical Response said the firing was proper.

"The employee in question was discharged based on multiple, serious complaints about her behavior," the company said in a statement. "The employee was also held accountable for negative personal attacks against a co-worker posted publicly on Facebook. The company believes that the offensive statements made against the co-workers were not concerted activity protected under federal law."

An administrative law judge will begin hearing the case Jan. 25.

Sources:
news.yahoo.com
Photo: AP/L.G. Patterson

Bargain Townhouses For Every Juan!

Bargain Townhouses
For Every Juan!
HURRY, Few Units Left!!
Las Piñas City




 
LOCATION:
  • Exclusive townhouse in Las Pinas City. 
  • Less than 5 minutes ride from Coastal Road and very near fly-over of Las Pinas.
  • Minutes away from SM Southmall, Madrigal Bussiness Park, Alabang Town Center, Alabang Festival Mall, SM Mall of Asia, Makati, Baclaran, Roxas Boulevard
  • Near Schools, Hospitals, Market place, Airport
  • Very accessible with lots of friendly roads to pass through.
Call 0927.485.4740 Dan

UNIT SPECIFICATIONS:
2 bedrooms
1 toilet and bath
1 car garage
With small balcony   
With provision for attic at the 3rd floor
With 24 hours security

 

Call               +63 916.406.3470      Maan

 AMENITIES:
Clubhouse
Park/Recreational area
24 hour security guard
Provision for cable and telephone lines

Call               +63 922.882.6270      Rizza

INVESTMENT VALUE:
Market Value: Php 2.790M
Spot Cash :  with BIG discount!!!
INVESTMENT TERMS:
Cash, bank financing
FOR FURTHER INQUIRIES AND SITE TRIPPING, 
Call my Trusted Partners:
 (02) 510.2723
+63 927.485.4740 Dan/ +63 922.882.6270 Rizza