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The Department of Financial Institutions (DFI) created this report as an educational tool for policy makers and other interested parties. The statistics presented in this report represent data reported to DFI from all payday lending licensees for calendar year 2011. NOTE: DFI is not able to track data from unlicensed Payday Lenders. What is a Payday Loan? Payday loan companies offer small, short-term, high interest loans secured by a post-dated check. The consumer’s post-dated check is written for the loan amount plus a fee. The check is held by the lender for the loan period (term). At the end of the term, the lender may deposit the check or the customer may reclaim the check with cash. The legislature passed Washington’s first payday lending laws in 1995 under the Check Cashers & Sellers Act (RCW 31.45). DFI is the regulator of payday lenders in Washington State. What is Allowed in Washington State? Maximum Loan Term: Maximum Loan Amount: Maximum Fee: 45 days $700 15% on the first $500 10% above $500 Example: A loan for $500 + $75 fee = $575 A loan for $700 + $95 fee = $795 Payment Plans and Installment Plans Borrowers are entitled to an installment loan at any time prior to default. Borrowers do not have to pay a fee for the installment plan and have from 90 to 180 days (depending on the original loan amount) to repay the loan in a series of installments. The number of payday lending locations decreased 30% from year-end 2009 to year-end 2010, and decreased another 40% from year-end 2010 to year-end 2011. Overall, the number of payday lending locations has decreased 65% since its height in 2006.
1. This is an official CITATION AND ORDER (Citation) issued pursuant to Section 503(b)(5) of the Communications Act of 1934, as amended (Communications Act),1 to Scott Sandlin (Mr. Sandlin or “you”) for marketing an illegal signal jamming device (jamming device or jammer) by repeatedly posting a classified advertisement for the device on Craigslist.org2 in willful and repeated violation of Section 302(b) of the Communications Act3 and Sections 2.803 and 15.201(b) of the Federal Communications Commission (Commission or FCC) rules (Rules).4 2. Jamming devices, such as cell phone jammers and GPS blockers, pose serious risks to critical public safety communications and can prevent individuals from making 9-1-1 and other emergency calls. Jammers can also interfere with law enforcement communications. You should take immediate steps to come into compliance and to avoid any recurrence of this misconduct. For example, any operation of the signal jammer must cease immediately, and you are strongly encouraged to voluntarily relinquish the illegal jamming device. You also may not advertise jamming devices for sale to any consumer in the United States through Craigslist or through any other means. 3. We emphasize that the mere posting of a jamming device for sale on Craigslist or any other online site or bulletin board targeting U.S. consumers contravenes federal law. Consistent with this federal prohibition, Craigslist expressly bars the sale and advertisement of signal jamming devices on its
JOSEPH DUMBACHER Born in Indianapolis; live and work in Los Angeles EDUCATION University of Southern California – Los Angeles, CA MBA 1984 SELECTED SOLO AND TWO-PERSON EXHIBITIONS CULT | Aimee Friberg Exhibitions – sharp corners – San Francisco, CA 2014 (forthcoming) Curator’s Office – elsewhere – Washington, DC 2011 BackroomNY – Cut – New York, NY 2010 Patricia Faure Gallery – Pivot – Santa Monica, CA 2005 Fusebox – one to one – Washington, DC 2004 Corcoran Gallery of Art – Primary Properties – Washington, DC 2001 Fusebox – Joseph Dumbacher John Dumbacher paintings – Washington, DC 2001 Patricia Faure Gallery – Negotiating Boundaries – Santa Monica, CA 2000 Contemporary Art Center of Virginia: Missing Warp - Weft. A site installation collaboration with Sheila Hicks. Virginia Beach, VA 1999 SELECTED GROUP EXHIBITIONS Nan Rae Gallery Exhibitions at Woodbury University – In Direct Light – Burbank, CA 2013 Schema Projects – Drafted – Brooklyn, NY 2013 The Foggy Bottom Association – Arts in Foggy Bottom Outdoor Sculpture Exhibit – Washington, DC 2012 Shoshana Wayne Gallery – Chain Letter – Santa Monica, CA 2011 Curator’s Office – Mixology II: Photography – Washington, DC 2010 Civilian Art Projects – craigslist – Washington, DC 2008 Curator’s Office – 15 for Philip: Fifteen Artists Look at Arts Patron – Washington, DC 2008 California State University, Los Angeles – Chromaluxe – Los Angeles, CA 2006 Fusebox – Landscaping – Washington, DC 2005 The Brewery Project – Good Clean Fun – Los Angeles, CA 2005 Patricia Faure Gallery – Pink – Santa Monica, CA 2005 Gallery Four – ” I really want to see….” – Baltimore, MD 2005 1708 Gallery – Align – Richmond, VA 2004 Patricia Faure Gallery – Summer Camp – Santa Monica, CA 2004 The Mint Museums – Revelation – Charlotte, NC 2004 Patricia Faure Gallery – White on White – Santa Monica, CA 2004 Domestic Setting –Tinseltown – Los Angeles, CA 2003 Fusebox – The Three Phases of Fusebox: An Unstable Group Show – Washington, DC 2003
Common depictions of those in prostitution are continually problematic. Portrayals of low moral fiber, hypersexuality, and a fouling effect on society dominate common representations of prostitution. These misconstructions tell a warped and inaccurate story of only one side of the sex industry—the supply. They also suggest that women in prostitution would exist without buyers in the sex market—the demand side of the sex trade has long been ignored, and, consequently, grossly misunderstood. This inconsistency in study and perception of the root causes of the sex trade industry has badly hindered the law’s and society’s understandings of a complicated issue. About the following, however, experts are certain: without the largely male1 demand for the purchase of sex, there would be no sex trade. It is only with a firm understanding of the role of demand for the purchase of sex that we can apprehend the reasons why the industry exists, why exploitation thrives within it, and what approaches we must take in order to end it. Experts continue to explore the complicated structures of oppression that foster the mostly male desire to buy sex. A former Merrill Lynch investment banker turned anti-modern slavery researcher and advocate, Siddharth Kara, plays an integral role in illuminating the economic dynamics that generate the sex trade and render slavery essential to the optimal profitability of the industry itself. Kara tells us the following in regards to the supply-demand economics that drive modern slavery: “Certain market forces create a demand for a product; other market forces create a supply to meet that demand.
AZ Registrar of Contractors Joins Contracting Boards in Six Other States in Sting of Unlicensed Contractors Advertising on Craigslist The Registrar of Contractors (ROC) is joining contracting boards in Oregon, California, Nevada, Utah, Rhode Island and South Carolina, as well as the National Association of State Contractors Licensing Agencies (NASCLA) in issuing a nationwide consumer alert about a plethora of illegal and deceptive ads placed every day on the popular craigslist website (www.craigslist.org) and other similar online bulletin boards. The Registrar of Contractors routinely investigates unlicensed contracting by checking newspapers, magazines, tradeshows and online bulletin boards such as craigslist. Craigslist is a valuable tool and is used by many licensed contractors to advertise. Unfortunately, many unlicensed contractors also use craigslist to post illegal and deceptive advertisements. In Arizona a person commits a Class 1 Misdemeanor by (1) advertising to perform services that require a contractor’s license, and/or (2) acting in the capacity of a contractor without a license. The Arizona sting led to 9 unlicensed contractor investigations. The ROC routinely refers unlicensed contracting cases to the Maricopa County Attorney’s office for prosecution. Arizona Registrar Bill Mundell said, “Joining with seven other states in conducting this unlicensed contractor sting is a historic event. This combined effort demonstrates our shared commitment to protecting honest people from the harm caused by unlicensed contractors. In order to protect Arizonans we vigorously enforce the unlicensed contractor laws.” The Oregon sting led to 28 unlicensed contractor investigations.
While it is not something that any of us like to think about, death is an inevitable part of life, and we need to be prepared for it. Not only do we need to be psychologically prepared, we also need to be financially prepared. After-death expenses, such as funerals and other costs, can add up quickly, and if you don’t have your estate in order, your loved ones will have to cover all of these expenses. The first thing to do is to hire an estate attorney, and choose your power of attorney, because more cases that mishandled estate administration and planning cases can be costly.
This manual contains important information that you need to know and understand in order to protect YOUR SAFETY and to PREVENT EQUIPMENT PROBLEMS. The following symbols help you recognize this information. Please read the manual and pay attention to these sections. Read and understand all of these safety instructions. Be sure to retain them for future use. Using a generator indoors WILL KILL YOU IN MINUTES. Generator exhaust contains high levels of carbon monoxide (CO), a poisonous gas you cannot see or smell. If you can smell the generator exhaust, you are breathing CO. But even If you cannot smell the exhaust, you could be breathing CO. · NEVER use a generator inside homes, garages, crawlspaces, or other partly enclosed areas. Deadly levels of carbon monoxide can build up in these areas. Using a fan or opening windows and doors does NOT supply enough fresh air. · ONLY use a generator outdoors and far away from open windows, doors, and vents. These openings can pull in generator exhaust. Even when you use a generator correctly, CO may leak into the home. ALWAYS use a batterypowered or battery-backup CO alarm in the home. If you start to feel sick, dizzy, or weak after the generator has been running, move to fresh air RIGHT AWAY. See a doctor. You could have carbon monoxide poisoning. WARNING! THE EXHAUST CONTAINS POISONOUS CARBON MONOXIDE GAS THAT CAN CAUSE LOSS OF CONSCIOUSNESS AND MAY LEAD TO DEATH.
BlackBerry Z10 setup with SMTP v IMPORTANT: Your BlackBerry OS needs to be updated to at least 10.0.10.85 You can check your current version by selecting Settings -‐> About -‐> Software Release You can update your software by selecting Settings -‐> Software Updates Ø If this is the first account you're setting up on the BB Z10, scroll to the left-‐most screen. Ø Select Add Accounts > Email, Calendar and Contacts: Ø If this is not your first account, drag down from the top and select Settings -‐> Accounts -‐> Add Account Ø Tap anywhere to close the keyboard and then select Advanced at the bottom of the screen. Choose your preferred incoming mail account type (POP or IMAP) Ø Fill in the necessary Incoming mail server details (in order to get them, please refer to your incoming mail service provider) Ø Scroll down to SMTP server details, and fill them in, according to your SMTP.com account activation email: 1. For 'SMTP Username' and 'Password' enter your SMTP.com sender username and password -‐ these are case sensitive 2. For 'SMTP Server' Address enter the SMTP server name provided in your SMTP.com account activation email ( typically: 'retail.smtp.com') 3. For 'SMTP Port' enter '2525' (Or 2082, 25) 4. For 'SMTP Encryption' select 'Off' 5. Tap “Done” to save the account:
The installation of the APR FSI Fuel Pump onto any VAG 2.0T FSI engine should be carried out using all of the factory recommended installation procedures and precautions. The notes, recommendations, and precautions in this document are intended as a supplement to those already provided by VAG. This entire document must be read and understood before attempting to install your APR FSI Fuel pump. WARNING: Direct Injection FSI fueling systems run at very high pressures. The pressure in the fuel lines must be relieved prior to removal of the fuel pump to prevent serious bodily injury. Please consult a factory-approved repair manual (i.e. Bentley manual) for the proper procedures and precautions.To ensure that your vehicle is ready for the installation of the APR FSI pump, you must be aware of the condition of the mechanical components that drive the pump in your 2.0T FSI equipped vehicle. This is critical to the operation and longevity of your vehicle and your APR FSI Fuel Pump. The high-pressure FSI fuel pump used in the 2.0T FSI equipped vehicles is mechanically driven by the intake camshaft and is therefore directly tied to the vehicle valve train assembly. In addition, there is a low-pressure feed pump at the fuel tank of your vehicle and a fuel filter with integral pressure-regulator that are important to the operation of the APR FSI pump. To add to the complexity, there are many auxiliary sensors and pressure relief valves that are all critical to the proper operation of the direct injection fueling system on your vehicle. It is the responsibility of the customer and/or the installer to ensure that all the vehicle components driving the FSI fuel pump are in good working order and are not in a state of excessive wear or failure prior to the installation of the APR pump. Volkswagen of America, Inc. has released a Technical Service Bulletin (TSB) stating that there is a known problem concerning premature wear of the intake camshaft lobe and camshaft follower that drive the FSI high-pressure fuel pump. This wear has been known to cause fuel delivery issues and fuel rail pressure fluctuations. If this wear goes unchecked, wear can also begin on the base of the FSI high-pressure fuel pump. In some cases, this wear can result in a complete failure of the intake camshaft which may result in extensive damage to the engine valve train, head, and other related components. The published TSB describes the proper method for inspecting your vehicle for this type of wear and APR, LLC Tech Article “APR FSI Fuel Pump Installation Notes, Recommendations, and Precautions”;
Aeromotive 340 Stealth Fuel Pump Applications Guide 11169 *New Make / Model Year Pump Part No. Integra 1994-2001 Aeromotive 340 Stealth 11142 NSX 1991-2000 Aeromotive 340 Stealth 11141 RSX 2002-current Aeromotive 340 Stealth 11142 Chrysler/Dodge FWD 1984-1990 340 Stealth Pump Force Induction 11140 Dodge Stealth T/T 1991-1997 Aeromotive 340 Stealth 11141 Eagle Talon 1995-1998 AWD&FWD Aeromotive 340 Stealth 11142 340 Stealth Pump AWD Turbo 340 Stealth Pump FWD Turbo 11141 11142 1995-1998 AWD&FWD Aeromotive 340 Stealth 11142 1990-1994 AWD Turbo FWD Turbo Aeromotive 340 Stealth Aeromotive 340 Stealth 11141 11142 Lightning Pick Up 1999-2000 340 Stealth Pump 11142 (2) F150 1997-1998 1999-2004 340 Stealth Pump 340 Stealth Pump 11142 11142 Mustang 1985-1997 340 Stealth Pump except 96-97 Cobra 11140 Mustang Cobra 1996-1997 Aeromotive 340 Stealth 11142 Probe GT 1988-1992 1993-1997 Aeromotive 340 Stealth Aeromotive 340 Stealth 11141 11142 *Crown Vic/Mercury Marauder 2003-2004 Aeromotive 340 Stealth 11142 ACURA Chrysler/Dodge/Plymouth Turbo 1990-1994 Plymouth Laser Turbo Ford Truck Ford General Motors Buick Grand National / Regal 1982-1987 Aeromotive 340 Stealth 11169 Chevrolet Camaro 5.0L & 5.7L 1985-1992 Aeromotive 340 Stealth 11169 Corvette 5.0L & 5.7L 1982-1996 Aeromotive 340 Stealth 11169 GM Cars & Trucks 1985-1992 Aeromotive 340 Stealth 11169 Chevrolet & GMC Trucks 305 (5.0L) & 350 (5.7L) TBI engines* *Not for use with dual tanks 1987-1997 Aeromotive 340 Stealth 11169 1982-1995 Aeromotive 340 Stealth 11169 Pontiac Firebird 5.0L & 5.7L 1985-1992 Aeromotive 340 Stealth 11169 Fiero 2.8L 1985-1986 Aeromotive 340 Stealth 11169 GMC Cyclone 1991-1992 Aeromotive 340 Stealth 11169 Typhoon 1992-1993 Aeromotive 340 Stealth 11169 Saturn SC,SL,SW 1997-2002 Aeromotive 340 Stealth 11142 Accord 1990-1993 1994-1997 1998-2002 Aeromotive 340 Stealth Aeromotive 340 Stealth Aeromotive 340 Stealth 11141 11142 11142 Civic 1988-1991 1992-2000 Aeromotive 340 Stealth 11142 CRX 1989-1991 Aeromotive 340 Stealth 11141 Prelude 1985-1987 1992-1996 1997-2001 Aeromotive 340 Stealth Aeromotive 340 Stealth 11141 11142 1997-2001 Aeromotive 340 Stealth 11142 Miata 1994-1997 1999-2005 Aeromotive 340 Stealth Aeromotive 340 Stealth 11142 11142 MX6 1988-1992 1993-1997 Aeromotive 340 Stealth Aeromotive 340 Stealth 11141 11142 Protégé 1990-1991 1995-1998 Aeromotive 340 Stealth Aeromotive 340 Stealth 11141 11142 RX7 1986-1988 1989-1992 1993-1995 Aeromotive 340 Stealth Aeromotive 340 Stealth Aeromotive 340 Stealth 11141 11141 11141 S/T trucks (S-10, S-15, Sonoma, Blazer, Envoy) Honda Hyundai Tiburon Mazda 323 1986-1991 Aeromotive 340 Stealth 11141 3000 GT Twin Turbo 1991-1997 Aeromotive 340 Stealth 11141 Eclipse 1995-1998