No Call List Complaints Are You Covered On Purchased Leads?

By | February 28, 2018

By Pat Stevens

If you’re an insurance agent buying leads from a company, you should ensure you’re purchasing names and numbers from a company that protects you if you’re sold and call the number of someone whose telephone is registered with the National Do Not Call Registry.

Starting on January 1, 2005, people who register their phone numbers with the National Do Not Call Registry may not be called by telemarketers and certain other businesses 31 days after the listing of the phone number. The registry was created in response to consumer complaints regarding unsolicited telemarketing calls. In order to stop calls, a consumer must list their telephone with the registry. The Federal Trade Commission (FTC), which is the country’s consumer protection agency, along with the Federal Communications Commission (FCC) and state law enforcement are in charge of making sure businesses are in compliance with the law governing the no call list.

Personal phone numbers, including cell phones, may be registered. Phone numbers remain in the registry for 5 years. After that time, they may be re-registered. Calls from charities, from or on the behalf of political organizations and those from telephone surveyors are not restricted under this law. Additionally, if a consumer already has a business relationship with a company, that entity may call and solicit the consumer. A person may also give written permission for specific companies to call them to solicit business. The registry is only for personal phone numbers and business phones may not be put on the no-call list.

The list is updated every month and telemarketing companies are responsible for recording any new numbers every 31 days and deleting those phone numbers from their call lists. Law enforcement officials have access to the registry in order to confirm that businesses are in compliance with the law. Telemarketers and other businesses can face high fines (up to $11,000 per complaint) if found in violation of the regulation.

If you are purchasing insurance leads from a company, the service providing the names and numbers should guarantee that they are not on the no call list. If you do phone a number that’s in the registry, the business from which you bought the lead should agree to pay any fines connected with the violation. A responsible lead provider will have a written policy concerning the law.

There will, of course, be certain criteria used by the lead supplier to evaluate whether or not your call falls under their guarantee. A company will protect you if the number is on the no call list on condition that:

* The number that you called was the correct number supplied by the lead provider.

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* The person you contacted then requests that you refrain from calling again and you follow their instructions.

* You call between the legally determined hours for telemarketing calls (from 8 am to 9 pm).

* You identify yourself in the proper manner to the lead.

* You are professional and courteous when calling the potential customer.

* The person filing the complaint is the contact person on the lead or appropriately related to the contact person.

Additionally, you will have to allow the company that sold you the lead to manage the objection, letting them properly defend the complaint. The lead generating business will also require that your account is current and in good standing and that you’ve acted in good faith and abided by all contractual commitments.

If you and your insurance company abide by the following guidelines, the business that provided the lead should agree to hold you, your employees and company harmless regarding all fines, expenses to defend the complaint and other fees associated with the case.

To determine if a lead generating company is reliable in terms of the contact information it supplies insurers:

* Make sure they have a written no call list policy.

* Call the attorney general’s office to see if any complaints have been filed against the company.

* Work with a company that specializes in insurance lead generation and that has a track record.

* Buy leads from a company that only supplies the names and numbers of people who have requested an insurance quote.

* Purchase leads that are from a database of verified phone numbers.

* Work with a supplier that is a member of the Better Business Bureau or the Better Business Bureau OnLine.

Although no lead you purchase can guarantee a sale, all leads should be guaranteed against complaints in relationship to the National Do Not Call Registry. Leads that are not certified in this manner may be less expensive, but in the long run that money you save may cost you more in legal fees and fines.

About the Author: By a free national service that connects consumers with insurance: agents and brokers in their area. Please link to this site when using this article.


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Professional Assistance With Your Tax Planning In Galt, Ca

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byAlma Abell

There is no denying that your finances have a lot of control over your life. Your income decides where you live, what you drive and the comforts you have available to you. How you handle your money over the years will decide when you can retire and where and if your children will be able to attend college and even if that dream home or vacation will ever become reality.

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There really is no way to overestimate the importance of handling your money correctly and making sensible choices about tax planning and investing. It is not always possible to make more or even to spend less, but nearly everyone can make some changes to how they organize their savings and investing so that it will benefit them the most.

Tax Planning in Galt CA is an important facet of protecting your income. Whether you are a business owner or only dealing with the taxes for your household, careful planning is not just something which is done once a year when you need to file.

Instead it is important to have a plan throughout the year regarding how and what you are paying. Everyone wants to pay as little as possible, but if you are not careful that can lead to fees and fines. Likewise it is also very easy to not be aware of new tax laws or potential tax breaks that could be saving you money.

This is why you need professional advice from someone who is always updated on all of the tax laws which could affect you. Galt CPA provides Tax Planning in Galt CA for anyone who wants to avoid those penalty charges and overpaying. They work with you to make certain you are paying only what you need to and only when it needs to be paid.

Whether it is helping you to establish the payroll for your company, file a personal income tax form or get solid and sensible advice to assist with your retirement planning, they can help. To learn more, browse the website, then contact them to learn more about what they can do for you.

Interview with Sue Gardner of the Wikimedia Foundation

Interview with Sue Gardner of the Wikimedia Foundation

By | February 27, 2018

This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

Wednesday, October 24, 2007

Wikinews reporters interviewed Sue Gardner, an employee of the Wikimedia Foundation, the project that runs Wikipedia and several other projects, including Wikinews.

Before coming to Wikimedia, she ran CBC.CA, the website of Canada’s national public broadcaster. She was also a radio and television journalist for 10 years.

Doctor Who returns as UK Saturday night timeslot lord

Doctor Who returns as UK Saturday night timeslot lord

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Sunday, March 27, 2005

After almost a decade off the air, the science fiction television series Doctor Who returned with new episodes to BBC airwaves on Saturday night, drawing a large audience.

Starring movie actor Christopher Eccleston, the ninth actor cast to play the Doctor, as the newly reincarnated Time Lord, the new series showed off a bigger budget with expensive special effects and a much darker — and sexier — tone. The new star and series got a blessing from actor Sylvester McCoy, who played the Doctor in the 1980s.

“I am very envious about not being in it. The writing is terrific and the toys they play with are much more sophisticated than they were in my day,” McCoy wrote in a column for BBC News. “My only criticism was about the TARDIS. It was far too clean. It needs to look a bit more battered and bruised as if it’s been through the odd asteroid or two,” he said.

The Doctor’s new sidekick is played by Billie Piper, whose marriage to Chris Evans ended during filming.

“We’re pleased so many people sat down as a family to watch the return of the Doctor,” a spokesperson said. Families apparently sat down in droves. Preliminary ratings figures show Who wooing 10.5 million viewers at its peak, or more than 44 percent of all television households in the United Kingdom, for the debut episode.

This made it the most-watched show of the evening, easily outpacing second-place Ant and Dec’s Saturday Night Takeaway on ITV, which attracted an average of 7.2 million households.

The series will run for another twelve episodes.

One of the longest-running dramas in British history, Doctor Who has been airing sporadically since its debut in 1963. Ironically, the series cancellation in 1989 was due to low ratings.

Honda Civic tops Canada’s list of most stolen cars

Honda Civic tops Canada’s list of most stolen cars

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Wednesday, November 22, 2006

The 1999 and 2000 year model Honda Civic SiR tops the list of Canada’s most stolen cars.

Consumer popularity also assures the cars will be popular with thieves. Its the second year in a row the Honda SiR has topped the list.

Rick Dubin Vice President of Investigations for the Insurance Bureau of Canada said “The Civics are easy targets.”

Dubin said that once stolen, the cars are most often sold to “chop shops” where thieves completely dismantle the vehicles. The automobile’s individual parts are worth more than the entire car.

The sheer numbers of the cars and their lack of theft deterrent systems make them thieves’ preferred choices.

1999 and 2000 Honda Civics do not come with an electronic immobilizer, however all Hondas from 2001 and onward are equipped with an immobilizer. Immobilizers will be mandatory on all new cars sold beginning September 2007. The devices enable an engine computer to recognize an electronic code in the key. If the code in the key and the engine don’t match exactly, the vehicle can’t be started.

In third place was the 2004 Subaru Impreza, while the 1999 Acura Integra came in fourth, with the 1994 Honda Civic rounding out the top five.

In sixth place, the 1998 Acura Integra, and the 1993 Dodge Shadow completed seventh.

When asked why early model vehicles are selected, he said that, “auto thieves continue to find it easier to steal older vehicles lacking an IBC-approved immobilizer. We’ve seen this trend developing for several years, and these results confirm it.”

Another Honda automobile, the 1996 year model Civic filled eighth place, with the 2000 German Audi TT Quattro in ninth.

The American 1996 Chevrolet/GMC Blazer rounded out the top ten.

None of the above cars had an electronic immobilizer.

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Recycling Services In Denver That Remove Junk Cars

By | February 26, 2018

byAlma Abell

If you are living in Denver, having junk vehicles in your yard could be a serious problem. Not only can too many old, beat-up vehicles be unsightly, they are also code violations. Denver households are allowed to have only one vehicle per licensed driver plus one extra vehicle in each yard. If you have one or two vehicles that you are no longer using, they are taking up valuable space you may need for the ones you do use.

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Inoperable vehicles are restricted to only one per household and they must be in an enclosed shelter. Do not risk a fine for a code violation or risk upsetting your relationship with your neighbors. Clear out your yard and get rid of your junk vehicles today.

Recycling Services in Denver pick up a lot of items, but they will not haul away something as large as a junk car. For that you need a company which specializes in hauling away junk cars. You need a company like

They not only will haul away your junk vehicles, they will pay you for them as well. They can remove any type of vehicle from cars to trucks and even SUVs. The vehicle does not need to be in working order for them to pick it up. They will come to your location, load the vehicle and haul it away. All by themselves, without interrupting your schedule and paying you for it as well.

When other Recycling Services in Denver want to charge you for removing your junk, here is a company which will let you be the one to profit from your own unwanted items. You can check their website and get a free estimate on what your junk vehicle is worth. They can arrange to be at your location within one hour of your call, ready to haul your stuff away. You do not even need to have a title to have it removed.

All their drivers are bilingual and you can reach them 24-hours a day. Get rid of the potential code violation and free up your yard for the items you use. Contact

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Of cabbages and things: Dutch researchers study wasp hyperparasitoid

Of cabbages and things: Dutch researchers study wasp hyperparasitoid

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Thursday, November 29, 2012

Dutch researchers have discovered that cabbage volatile odour released in response to white butterfly caterpillar attack can attract multiple parasites making the food chain unbeneficial to the plant. The study, published in journal PLOS Biology Tuesday, highlights the possible side effects of parasitoid use for pest control.

A second parasite, called hyperparasitoid, is attracted by the cabbage odour only after a first parasite infects the caterpillar. The researchers performed both laboratory and field experiments to verify the data.

As described by the study, the food chain starts when a white butterfly caterpillar, Pieris rapae, attacks a cabbage leaf. In response, the cabbage releases volatile odour to attract the caterpillar parasites. The odour attracts parasitical wasps, such as Cotesia glomerata, that infect the caterpillar with their eggs. Such behaviour is called parasitoid, when larvae lead a parasitical lifestyle and the adult individuals don’t. Such reaction favours the plant.

However the odour also attracts a hyperparasitoid wasp, Lysibia nana, which infects the Cotesia glomerata’s larvae and takes over the food chain. Field study confirmed the hyperparasitoid’s behaviour is well tuned to the environment: it does not follow cabbages nearly as much until they are infected by the first parasite, too.

Dr Erik Poelman, the research leader, commented about the specifically well adapted behaviour of the parasitoids, “In controlled laboratory assays as well as under field conditions, hyperparasitoids were offered plant odours coming from two types of plant: ones damaged by healthy caterpillars, and ones damaged by parasitoid-infected caterpillars. We found that they preferentially detected odours of plants damaged by infected caterpillars. We were excited by these results as they indicate that hyperparasitoids rely on a network of interactions among plant, herbivore and parasitoids to locate their host”.

The scientists hypothesised the saliva of infected caterpillars is different and affects the cabbage odour. The study involved collecting air around healthy, infected, and twice infected cabbage plants. Then the researchers checked the hyperparasitoid reaction to the collected odours. The hyperparasitoid attraction to the twice infected cabbage odour was nearly five times more compared to the odour of a cabbage infected only with caterpillars.

The researchers also carried out tests of hyperparasitoid attraction to the healthy and infected caterpillar saliva alone, without the cabbage. There was no such attraction, confirming the cabbage odours are affected by the saliva.

The scientists say, “Our results show that hyperparasitoids may parasitize up to 55% of the parasitoid offspring, therefore potentially playing a major role in parasitoid population dynamics. … Overexpression of herbivore-induced plant volatiles [HIPVs] in crops or field application of synthetic parasitoid attractants may not benefit pest control in conditions where the responses of hyperparasitoids to HIPVs cause major mortality to parasitoids.”

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US ‘Black Friday’ shoppers gather hours, even days before some stores’ openings

US ‘Black Friday’ shoppers gather hours, even days before some stores’ openings

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Friday, November 29, 2013

With the US retail tradition of ‘Black Friday’ already underway early Thursday evening, some shoppers began gathering outside retail stores as much as 53 hours prior to these special sales events. This, according to a Texas man who told Wikinews that he and his companions had started gathering at their local Best Buy store at 1:00pm on Tuesday, awaiting the 6:00pm Thursday opening. Target retail stores opened across the country at 8pm (local time) on Thursday evening. At 8:45pm Thursday evening, approximately 500 cars were parked at the Target store in Tyler, Texas.

At least four camping tents were set up outside the Best Buy store in the Dallas, Texas area, during pre-dawn hours on Thanksgiving morning. Years ago, it was seen as something special for retail stores to open at 6am on the so-called ‘Black Friday’ following Thanksgiving Day; that time would be considered “late” by modern standards. Many retailers use barricades to organize those who gather at their storefronts. For the first time ever, a shopping mall in Las Cruces, New Mexico will open at 8pm on Thanksgiving Day and will remain open for 25 consecutive hours, closing at 9pm Friday evening.

In recent years, several significant injuries have occurred during the melee that often ensued when stores opened their doors for Black Friday events. In 2011, a woman shot pepper spray at 20 people who were waiting to purchase the newest Xbox system.

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Buying Modern Living Room Furniture

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Buying modern living room furniture by Sharon SamrajAs you may be aware living room furniture should be sturdy and able to withstand stress as this is the room where the family spends maximum time. Homes with children and pets need functional furniture that is user-friendly. The way you arrange seating in your living room will reflect how your family and guests socialize and congregate in your home. With the right arrangement and seating styles you can turn a living room into a lively colorful place. A comfortable sofa is an indispensable item in any living room. A sofa is generally a large piece of furniture that dominates the entire living room area. Living room sofas are meant for relaxing during free time and serve many purposes like listening to music, watching TV, reading, entertainment with friends and relatives and sharing light moments with family members. Look for sofas that offer comfortable seating and ensure they are not too soft, as this will make it hard for people to lean forward while engaging others in conversation. Bean bags are a popular seating option that gels easily with a living room furnished with modern furniture. These bags add a trendy look to the living room.As you shop for your new living room furniture you will encounter several different styles. Modern living room furniture should be elegant and designed using the most technologically and architecturally advanced design. Hybrid style of living room furniture is a combination of modern, traditional, and casual styles. Casual living room furniture is more about comfort and less about aesthetics or decor. It is of course the needs of a family that determine the kind of furniture that would be most suited for a living room. The popular furniture items that enhance living room decor include couches, recliners, arm chairs, coffee tables, entertainment centers, pianos, area rugs and other useful or decorative pieces. Opt for a recliner in which to relax for movie or TV viewing but make sure that it is only a secondary item of living room furniture. Many modern furniture pieces are done up in leather or designer fabrics. The use of wood or metal frames ensures durability. Sleek shapes furniture in vivid colors are often the hallmark of modern living room furniture. An entertainment center within the living room space is the present trend. It often turns out to be the focal point for the living room. There is a wide range of furniture of different designs for entertainment centers. These are also available in several variants like specialty woods, carved decorations and stained glass inlays. Your ultimate choice will depend mostly on what fits the space, although personal preference is also equally important.There are many options available when it comes to living room cabinets – be it style, size, finish, or storage space. You can also choose stools from different finishes and styles. With its sleek appearance, a stool is comfortable and light and can easily be carried to other rooms. Side tables within easy reach of the seating are essential as people expect refreshment and entertainment to go together. Coffee tables, end tables, side tables, and decorative chests are just a few of the larger, more impressive pieces of living room furniture accessories. However, smaller living room accessories add homey touches to the living room. Such items include candleholders, picture frames, artwork, and flower vases among many others.

Sharon Samraj is an expert author, who is presently working on the site Living Room Furniture, Office Furniture. He has written many articles in various topics like Bedroom FurnitureFor more information contact

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