Consumer Protection

What would this job title be called?

Question by averiex: What would this job title be called?
My boyfriend graduated college a year ago and is still looking for the perfect career. He has a degree in Criminal Justice, but is looking for a Social-Services type job (without the Sociology degree,seeing most of his CJ classes WERE Sociology — our college split the program up during his last year, it was a combined program).

The job he wants is something along the line of what the Better Business Bureau does — keeps companies or people from scamming other people. A “Truth in Advertising” sort of job, or “Consumer protection.” We are unsure of what this type of job would be called so he can actually apply for it. Does anyone have any idea? Details would be appreciated!

Best answer:

Answer by Amelia
I don’t know, but he can get a different job and start a business of it in his spare time. And in your spare time you can help!

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Q&A: Is Barney Frank a man immune to irony?

Question by Poke_the_Bear: Is Barney Frank a man immune to irony?
Under his guidance a 1,279 page bill passed in the House that creates a new “consumer protection” agency that will, in the words of the New York Times, ” be responsible for making the marketing and financial disclosures are easy for consumers to understand, for conducting financial literacy education and research,” etc.

Did the Congress consider making the bill easy to understand? How about it’s financial literacy?

Best answer:

Answer by Progressive/Liberal = Socialists
Milton Friedman said it best, the more the government protects the consumer, the more the consumer will need protection from the government, since the government will start limiting the consumers choices.

Thus becomes a totalitarian government knows best policy. That the consumer will have limited selection.

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Consumer Protection and the Law

Consumer Protection and the Law

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US Dairy Alternative Beverages Market Examined in New Up-to-Date Report Published at MarketPublishers.com

London, UK (PRWEB) January 11, 2012

Today a large number of alternative food products carry the potential to enter the U.S. market at a later date on a commercial scale, either through domestic production or importation. The total U.S. retail sales of dairy alternative beverages are estimated to have reached $ 1.33 billion in 2011.

Consumers choose plant-based dairy alternative beverages for numerous reasons. Health issues including lactose intolerance, milk allergy, and the genetic disorder phenylketonuria (PKU) can be addressed through the consumption of dairy alternative beverages because these plant-based milks are free of animal proteins, in particular casein. Currently, the most commonly known and popular of the commercial plant milks is soymilk. Following in consumer recognition and consumption are almond milk, rice milk and coconut milk, in that order of preference.

New market research report “Dairy Alternative Beverages in the U.S.: Soy Milk, Almond Milk, Rice Milk and other Dairy Milk Alternatives” provided by Packaged Facts has been recently published by Market Publishers Ltd.

Report Details:

Title: Dairy Alternative Beverages in the U.S.: Soy Milk, Almond Milk, Rice Milk and other Dairy Milk Alternatives

Published: January, 2012

Pages: 212

Price: US$ 3,500

http://marketpublishers.com/report/consumers_goods/food_beverage/dairy_alternative_beverages_in_us_soy_milk_almond_milk_rice_milk_n_other_dairy_milk_alternatives.html

The study examines the U.S. market for plant-based, ready-to-drink (RTD) beverages that are alternative substitutes for dairy milk, sold to consumers at retail. It estimates and analyzes the size, growth rate, and composition of the market. Historical data, as well as market projections to 2016, are provided for soymilk, almond milk, rice milk, coconut milk and hemp milk, as well as coverage of minor products such as flax, hazelnut, multi-grain, oat and sunflower milks. Strategic analyses of competitors in this market are included, along with descriptions of recently introduced products. Trends and regulations influencing this market are discussed.

Report Contents:

CHAPTER 1 EXECUTIVE SUMMARY

Scope and Methodology

Scope of Report

Exclusions

Report Methodology

The Products

Consumer Health Awareness Drives Plant-Based Beverage Market

Marketers of Plant Milks Focus on Natural and Organic Products

Dietitians Heartily Support the Health Benefits of Plant-based Beverages

Plant Milks Have Been Consumed for Centuries

Consumers Choose Plant-Based Milks for a Number of Reasons

Soymilk

Health Impact

Almond Milk

Rice Milk

Hemp Milk

Coconut Milk

Additional Varieties of Dairy Alternative Beverages

Size and Growth of the Market

2011 U.S. Retail Sales Estimated at $ 1.33 Billion for All Dairy Alternative Beverages

Table 1-1 U.S. Retail Sales of Dairy Alternative Beverages, 2010-2011 (in millions of dollars)

2011 U.S. Retail Sales Estimated at Just Under $ 500 Million for Leading Refrigerated Dairy Alternative Beverages

Table 1-2 U.S. Retail Sales of Leading Refrigerated Dairy Alternative Beverages, 2010-2011 (in millions of dollars)

2011 U.S. Retail Sales Estimated at $ 115 Million for Leading Shelf-Stable Dairy Alternative Beverages

Table 1-3 U.S. Retail Sales of Leading Shelf-Stable Dairy Alternative Beverages, 2010-2011 (in millions of dollars)

Packaged Facts Projects 2012 U.S. Retail Sales of Dairy Alternative Beverages at $ 1.38 Billion

Table 1-4 Projected U.S. Retail Sales of Dairy Alternative Beverages, 2012 (in millions of dollars)

U.S. Dairy Alternative Beverage Retail Sales Projected Exceed $ 1.7 Billion in 2016

Table 1-5 U.S. Retail Sales of Dairy Alternative Beverages, 2007-2016 (in millions of dollars)

The Marketers

Private Label Products Move Front and Center

Marketers Introduce Single-Serve Dairy Alternative Beverages

The Dairy Alternative Beverage Market Primarily Comprises Small, Private Companies

Marketers of Dairy Alternative Beverages Respond to Consumer Health, Social and Ethical Concerns

Regulatory Policy and Legislative Issues

The Food and Drug Administration Endorses the Health Benefits of Soy

The Role of Isoflavones in Health

The Food Allergen Labeling and Consumer Protection Act of 2004

The USDA Position on the Term Natural

The USDA Requirements for a Food or Beverage to Be Labeled Organic

National Milk Producers Federation Petitions the FDA to Prohibit Use of the Word Milk Relating to Plant-Based Beverages

Trends and New Products

51 Dairy Alternative Beverages Introduced to the U.S. Market Between January 1, 2007 and December 31, 2011

Table 1-6 Number of Dairy Alternative Beverage Product Introductions in the United States, 2007-2011

New Packaging Technologies

Dairy Alternative Beverages Enter the Espresso Mainstream

The Consumer

Consumers Have Increased Consumption of Dairy Alternative Beverages in the Past Five Years, With a Shift From Soymilk and Rice Milk to Almond Milk

Almond Milk Gaining on Soymilk for Most Popular Dairy Alternative Beverage

Table 1-7 Response to Question: Which Milk Alternatives Do You Drink/Use?, 2011 (percent)

Half of Product Users Consumed Soymilk Five Years Age, Compared to 21% Who Consumed Almond Milk Five Years Ago

Table 1-8 Response to Questions About Milk Alternative Consumption Trends, 2011 (percent of product users)

Consumption of All Dairy Alternative Beverages Increases Substantially from 2006 to 2011, With Almond Milk Seeing the Biggest Gain

Table 1-9 Response to Questions About Milk Alternative Use Five Years Ago, 2011 (percent of product users)

Silk Soy Milk Leads the Pack As the Dairy Alternative Beverage Purchased Most Often by Consumers

Table 1-10 Response to Question: Which Brand(s) of Milk Alternatives Do You Purchase Most Often?, 2011

CHAPTER 2 THE PRODUCTS

Key Points

Scope and Methodology

Scope of Report

Exclusions

Report Methodology

Overview

First Plant-Based Beverage Introduced in 1983

Consumer Health Awareness Drives Plant-Based Beverage Market

More new market research reports by the publisher can be found at Packaged Facts page.

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What happens if the GOP destroys the FDA and EPA?

Question by : What happens if the GOP destroys the FDA and EPA?
Numerous candidates such as Bachman and Paul have said they want to abolish the FDA and EPA. Seeing how many normal Americans fought hard and petitioned their government for industry oversight to assist in consumer protection “labels, ingredients, standardized practices” how do the candidates justify their stance,
and what will they do to compensate for the new consequences “illness, death, missed work” that their actions cause
Jim, that is close to evil….

Best answer:

Answer by Ron T
What happens when the EPA destroys our way of life?

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Proposed Bill to Repeal — and Replace — Floridas No-Fault Insurance is a Sound, and Overdue, Idea, Says Insurance Lawyer Patrick J. Tighe

West Palm Beach, FL (PRWEB) January 11, 2012

Floridas no-fault motor vehicle insurance — commonly known as personal injury protection (PIP) — has come under fire, and for good reason: The $ 10,000 in mandatory coverage, intended to pay for the immediate medical needs of automobile accident victims, has proven a gateway to fraud. Too often, says Florida insurance lawyer Patrick J. Tighe, payments line the pockets of dubious providers performing questionable treatments, instead of paying for legitimate medical care. So when the money is truly needed, in many cases it is gone. A new bill now pending in the Florida House of Representatives — HB 1007, introduced by Rep. Mike Horner in December — aims to change that. And according to Tighe, it is a change long overdue.

What Representative Horners bill does is replace the existing PIP insurance — which has been a textbook example of a good idea gone bad — with a vastly improved system that would pay for emergency medical coverage by a more limited array of providers. Instead of paying non-physician owned clinics and even message therapists for questionable services — something that happens all the time under todays PIP system — payments would be limited to hospitals, emergency rooms, and physicians offices. This is a far wiser policy and will make sure that insurance coverage goes where it is most needed: to consumers who have been injured in automobile accidents and need immediate, legitimate treatment.

Under Horners proposal, Florida motorists would be required to carry $ 10,000 in emergency medical coverage, as well as additional bodily injury coverage of $ 25,000 per person and $ 50,000 per incident. Property damage coverage of $ 10,000 would also be required.

No-fault was an idea that was put into law in the early 70s and in the 35 years since, people have figured out how to commit fraud, on an enormous scale, via this insurance benefit, says Tighe, who has been assisting Florida residents in insurance lawsuits and other claims for more than a decade. The time to end this abuse has come. What this legislation does is put Florida in line with 48 other states — and make sure that consumers are protected in a way that isnt open to misuse, and actually works.

In recent months, criticisms of Floridas existing PIP system have increased dramatically. More lawmakers are expected to propose legislation to abolish or greatly modify PIP, and a recent report by the Florida Consumer Action Network argued that much of the PIP data regulators and lawmakers relied on was faulty and unreliable.

What the FCAN report revealed was that even the insurance regulators cant get a handle on how PIP is working — or perhaps more accurately, how it is not working, says Tighe. If we can end fraud and save consumers money in one fell swoop, by all means, we should do it.

About X1LAW

For over a decade, Florida personal injury and insurance lawyer Patrick J. Tighe has been protecting the rights of consumers, and those who have suffered catastrophic injury in automobile accidents, motorcycle accidents, and other life-changing events. In that time, he has represented — and come through for — thousands of individuals in insurance claims that were wrongly denied, delayed, or undervalued. Earlier in his career, Tighe spent nearly ten years working on the other side, defending insurers in injury lawsuits. That experience gave him invaluable insight on how big insurers approach and handle insurance claim cases — insight that is leveraged every day to bring results, and justice, for clients.

CONTACT:

Patrick J. Tighe

X1LAW, P.A.

(561) 537 5059

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The Essential Guide to the Best (and Worst) Legal Sites on the Web

The Essential Guide to the Best (and Worst) Legal Sites on the Web

Used – This comprehensive resource helps lawyers and non-lawyers know which legal web sites are worth their time, which aren’t, and why. Organized into more than 30 specific areas of legal expertise, it includes information about web sites on administrative law, bankruptcy, consumer protection, estate planning, immigration, intellectual property, Internet law, job listings, legal news, public records, and real estate. Each site is reviewed and assigned a rating of up to five stars, creating an i

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“If you like your insurance plan you can keep it”…Oh really?

Question by Visions_Of_Johanna: “If you like your insurance plan you can keep it”…Oh really?
Obama keeps saying “if you like your insurance plan, your doctor, or both, you will be able to keep them”. I discovered this page at the whitehouse.gov website (see link below…it even has a handy “eight consumer protections” to click on if you’re inclined to do so).

From everything I’ve been reading about the ObamaCare Bill, this claim that our president keeps making is a LIE. This bill is designed to put small insurers out of business. A small business has to generate revenues, and pay expenses and remain profitable in order to stay in business. The government merely exists. It has a guaranteed stream of income (our tax dollars) and it doesn’t have to make a profit to stay in business. Hell, it can operate at a loss and stay in business (which makes Obama’s recent comment about the Postal Service very comical).

What is particularly reprehensible about this bill is that there are no provisions for Tort Reform (not even one word in a 1000+ page bill), it puts burdensome mandates on insurance companies and doctors and it will ultimately force us onto a government-run, single-payer plan.

I get so discouraged by folks who hear Obama say “If you like your insurance, you can keep it” and they swallow it whole without realizing how misleading his little sound-bite morsels are. He doesn’t go into specifics; he just sticks to the sound-bite and turns things around to attack his misleading opponents. The funny thing is his “opponents” (hard working Americans who take the time to be heard at Town Hall meetings) are probably more informed than the House of Representatives who put out this stinker of a bill.

I guess my question is, as contentious as Y/A “Politics and Government” is at times, are any of you who were really gung-ho about government run health care still as turned on by it now that more and more of the information contained in the fine print is trickling out?

http://www.whitehouse.gov/blog/Facts-Are-Stubborn-Things/

Why is it that when folks don’t have an argument, they just accuse you of being part of Big Insurance or a Palin lover instead of focusing on what it is that they diagree with. I can only assume, when I read comments like these, that those folks are closed minded, ill-informed and part of the reason that our President thinks he can take a wrecking ball to the health care system of this entire country.
My congressman said that the Town Hall protestors are financed by Big Insurance so you guys must be drinkin’ the same Kool-Aid. I don’t know anyone in the insurance industry, I don’t work in the insurance industry but I suspect that if the insurance industry was populated with union eployees, then Obama would be kissing their butts right now instead of demonizing them. That’s just my opinion. If you want to read something more scholarly, read this:

http://www.realclearpolitics.com/articles/2009/08/03/what_right_to_health_care_97742.html

I forgot to mention that Insurance companies employ PEOPLE! How cruel that these workers are treated with complete disregard by a president who feels compelled to get his signature on a bill.

Best answer:

Answer by Dicken C
“small insurers out of business”. Can you name a small insurer?

Didn’t think so. You must work for an insurance company if you are against health care reform. They are (the insurance companies) the only ones against it.

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Should we thank regulators for the new rules banning “unfair” credit card practices?

Question by Time to Shrug, Atlas: Should we thank regulators for the new rules banning “unfair” credit card practices?

http://articles.moneycentral.msn.com/Banking/CreditCardSmarts/feds-ban-unfair-credit-card-rules.aspx

Will these new regulations usher in an era of “fair” crdit card practices with increased “consumer protection”, or will it simply eliminate the access to credit cards for many riskier borrowers?

Both the government and supporters of this legislation should study the Law of Unintended Consequences. Specifically, they should study the effects of the ATM Fee ban in Santa Monica, when in response, banks were suddenly unwilling to process ATM transactions for non-customers.

When will people learn that seemingly “unfair” practices are almost always backed by economic realities, and that legislation can ban the practice, but it can’t ban economic reality?
Bryan – Anybody is credit worthy if the correct interest rate is used.

Just because a borrower is deemed “riskier” does not necessarily imply that they should be shut off from credit. Instead, interest rates should be allowed to reflect the increased riskiness of that borrower.

The subprime issue that we are currently dealing with isn’t an issue of people getting access to credit who shouldn’t have – it is that the credit they received was not priced appropriately to reflect their true credit riskiness.
Bob – Try to see the whole picture.

It might cost $ .25 to conduct the transaction, but there are also many indirect costs that must also be covered, including the cost to purchase and install the machine, rental of the real estate the machine sits on, and bank overhead.

And if you believe that price “gouging” is a bad thing, then you need to study economics, specifically scarcity and supply and demand. See above about economic realities.

Best answer:

Answer by E=MC2
As we exchange Presidents and their administrations, let’s also hold our representatives and senators, on both sides of the isle, responsible for their parts in the economic meltdown. The politicians below have been exposed for their unbridled greed, ignoring their fiduciary responsibilities, lying to and deceiving the American people.

(R) Chris Cox; Chair–Securities and Exchange Commission (SEC)
(R) Henry Paulson; Secretary of the Treasury
(D) Barney Frank; Chair–House Finance Committee
(D) Chris Dodd; Chair–Senate Banking Committee
(D) Chuck Schumer; Heads Joint Economic Committee
(D) Richard Syron; CEO–Freddie Mac.
(D) Frank Raines; CEO–Fanny Mae
(D) Charlie Rangel; Chair–Ways and Means Committee (W&MC)
(D) Pete Stark; Chair–W&MC subcommittee on Health
(D) Sandra Levin; Chair–W&MC subcommittee on Oversight
(D) Michael McNulty; Chair–W&MC subcommittee on Social Security
(D) Jim McDermott; Chair–W&MC subcommittee on Income Security and Support
(D) Richard Neal; Chair–W&MC subcommittee on Selected Revenue Measures

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