Sep 04, · Enforcement action will be taken against three individuals who were caught on camera throwing joss paper into a canal along East Coast Service Road, said the National Environment Agency (NEA) Sep 13, · Martin Johnson, a former airman, participates in a virtually news conference Monday, Sept. 13, Johnson is a plaintiff in a lawsuit that claims the Air Force incorrectly discharged veterans Sep 03, · Enforcement action will be taken against three individuals who were caught on camera throwing joss paper into a canal along East Coast Service Road, said the National Environment Agency (NEA). Facebook page blogger.com posted a video of the incident that occurred on August 22, in which three men are seen emptying boxes of joss paper into the canal
Sample teacher action research paper
Download : Paper or digital? Winter CANews-paperless In a recent online survey conducted by Consumer Action, the vast majority of respondents noted that they prefer to receive all types of bills by mail—even when they opt to pay the bill online. Depending on the account action paper, percent of respondents said that they choose paper over electronic notifications for insurance, utilities, medical, mortgages, credit cards and property action paper. Financial action paper see cost savings from digital communications because they may save on printing, mailing, document processing, storage, labor costs and action paper employee productivity.
Now that many consumers bank online, some financial firms are offering enticements to customers who shift to electronic bills and notices, while others are switching customers to e-bills electronic bills unless the consumer insists on paper statements. The agency accepts but discourages paper orders by requiring consumers to download and print a request form and wait four to six weeks for delivery, action paper.
The U. Securities and Exchange Commission SECthe federal agency charged with protecting investors, has adopted a rule that will allow firms to default to digital delivery of mutual fund reports. As offirms may provide these reports online, as long as they offer an option to request paper reports.
The SEC has been seeking consumer input on the coming switch from paper as the default to digital, and is asking for feedback on the possibility of charging fees to process shareholder requests for paper reports. Consumer Action has joined a petition opposing the proposed rule with the U. Court of Appeals for the D. Yet most consumers prefer paper statements—particularly for financial and medical matters.
Paper statements help some people remember to pay their bills on time, provide proof when disputing an error, and serve as a simple system for record keeping. Easier to action paper, review and audit. Those who are not tech-savvy, have difficulty using a computer or have no internet access at home find paper statements essential.
At least one-third of Americans still do not have internet access at home, according to a Pew Research study. Some consumers prefer paper notices because they fear that digital access to sensitive documents in a data breach puts their personal information at risk of being stolen and abused.
When paper bills and notices are replaced with digital documents, consumers bear the responsibility and the cost of paper and ink to print any documents that they want to preserve in action paper copy.
Some companies shift printing costs to consumers by charging a fee for paper documents. Some major banks hit customers with a two-to-three-dollar fee for paper statements, action paper. Full details on the results of our Paper vs. It also takes time, effort and money to access online accounts and obtain needed hard copies—remembering various usernames and passwords, and printing out online materials at home.
Consumers who choose electronic notice may have to rely on themselves for long-term records, action paper. While some banks offer access to digital documents for as long as seven years, others remove access sooner.
The Internal Revenue Service recommends that certain records relevant to your tax returns be kept for seven years. I have a hard time reading things online. This helps me make sure I make payments on time. Some consumers worry that e-bills and online notices will get lost in a junk file, blocked by a spam filter or buried in their inboxes, never to be noticed, action paper, or discovered too late to avoid a late fee.
By law, banks must make paper statements available for action paper card, bank and mortgage accounts. The Electronic Signatures in Global and National Commerce Act, or E-Sign Act, allows financial institutions to action paper paper bills and disclosures action paper digital ones, but only when a consumer consents, action paper. Consumers also retain the action paper to return to paper notices down the road. Consumers say they want to choose how they receive their bills and financial notices.
Consumer Action believes action paper consumers who prefer it should be able to receive their bills and other important notices in paper form, at no extra cost, action paper. According to a new survey by Consumer Action, consumers overwhelmingly prefer to receive bills and statements on paper rather than electronically. The online survey by Consumer Action found that up to three-quarters of those surveyed opted for bills to arrive by mail.
Many of those who gave reasons for their paper preference mentioned the ease of viewing paper statements easier to read or action paper, no scrolling action paper easy access for future reference. Some respondents worried that important documents would get lost in a barrage of junk emails, making it difficult to identify critical notices or pay bills on time.
Others mentioned the hassle of creating online accounts and remembering numerous passwords. Some worried about hacking and the overall security of their personal account details when using online accounts and emailed communications, action paper. Twenty-six percent action paper online notice. For bank statements and Medicare and prescription drug summaries, action paper, more than half of those who responded prefer paper notice.
They also favor paper for investment information account statements, action paper, voting materials and prospectuses, action paper. A full 68 percent of respondents prefer paper for Social Security statements. The only category where respondents preferred to receive information electronically 51 percent was data use and privacy notices, action paper.
While the preference to receive paper action paper, bills and notices is clear, the majority But how they receive the bill does affect how likely they are to review the details. Of those who receive bills electronically, action paper, only 43 percent—less than half—said that they go online to review their transaction details. Eighty percent of those surveyed said they save paper statements and invoices for their records, naming business and taxes as the primary reasons, action paper.
About one-third save statements as payment reminders. Note that our survey findings may not be used for commercial purposes. Nearly 9 percent of respondents said action paper they have paid a paper statement fee for phone, pay TV or cable bills, and 16 percent have paid a fee for bank statements.
A small number of consumers also said they had encountered fees for insurance, utility, internet service, mortgage, credit card and medical statements. Those who prefer e-delivery mentioned that they hope to reduce paper clutter in their homes and save trees by using fewer paper statements.
Others mentioned the ease of paying bills online. Several respondents mentioned that electronic delivery works well for those who lack a permanent address—they can access and pay bills online no matter their physical location. In our open comment section, many respondents noted their preference for receiving both paper and electronic statements and invoices. electronic account statements? A variety of federal regulations require financial account statements. Under the Electronic Fund Transfer Act EFTAbanks action paper issue statements on any account that can be accessed electronically.
Credit card action paper and mortgage lenders are required to provide similar monthly statements under the Truth-in-Lending Action paper and the Periodic Statement Rule.
Investment action paper, too, have to provide customers with a statement at least quarterly, or for any month in which there has been activity, according to FINRA Financial Industry Regulatory Authority rules.
However, not all financial accounts are required to supply statements. Financial apps—tools downloaded onto smartphones and tablets to do things like transfer money action paper other people—have no legal obligation to provide statements. Prepaid card issuers only are required to make account transaction information available online and balances by phone unless a consumer requests a written account history, according to Regulation E action paper EFTA. Customers must be told that they have the right to withdraw their consent.
The consumer may not have the choice to withdraw consent without closing the account. Phil Riebel of Keep Me Posteda global campaign to maintain access to free paper statements, says that companies often assume implied consent if you provide an email address, reasoning that if you have one, then you must be amenable to receiving account information electronically.
This approach ignores some crucial issues: Not everyone who has an email address has consistent access to the internet, a device large enough to make reading full statements and organizing information easy, or the ability to print a copy when needed. Consumer Action is a Keep Me Posted campaign member. Both Riebel and Chi Chi Wu, co-author of the NCLC report, are concerned by the aggressive tactics used by some companies to obtain consumer consent under the E-Sign Act, action paper.
Wu believes that this tactic may violate Unfair and Deceptive Acts and Practices UDAP laws, which exist in every state. Another tactic for coercing customers to go paperless is charging action paper paper statements. New York is one state that has taken on the issue: Action paper S currently in the New York Senate Banks Committee proposes to prohibit financial institutions from charging a fee for periodic paper statements.
Requirements of other entities can also vary by state. The Pennsylvania Public Utilities Commission PUCfor example, has decided to prohibit any public utility, action paper, including telecommunications companies, from charging for a monthly paper bill.
American Express cardholders, action paper, for example, get instant online access to the last six statements; anything older than that up to seven years requires an online request, but the digital statement is free.
How long a business will grant online access to account statements, action paper, and whether there is a fee for older statements—electronic or paper—is generally up to individual company policy. You may be able to do this yourself online. Verizon and American Express are examples of companies that make it easy to change back to paper after logging in to your account, and neither charges a fee.
To help spur change, consumers can voice their dissatisfaction by complaining directly to the company. You can find a letter template on the Keep Me Posted website, action paper.
This includes claims about the sustainability of electronic communications over paper. To help narrow the gap between claims and facts, the agency publishes its Green Guides to help marketers avoid making misleading claims about the environmental action paper of their products and understand how consumers may interpret their claims.
The FTC further warns against stating that a product offers an environmental benefit without an actual basis of comparison. It does mean that consumers have to view claims critically on both sides of an environmental issue. Electronic communications are digital, not action paper. Trees are renewable, as long as paper manufacturers use sustainable businesses practices, and these days most are required to under regulations designed to limit carbon emissions.
Manufacturing paper leaves a carbon footprint, as does manufacturing the computers and smartphones used to receive electronic communications.
In recent years, consumers have seen a shift in how financial institutions, utilities and government agencies communicate with their customers.
As private companies and government agencies look for cost savings, the move toward electronic communication has been sweeping the nation. As the private and public sectors push to go paperless, Consumer Action has joined the Keep Me Posted campaign and the Coalition for Paper Options to ensure that consumers have a choice in how they receive bills and statements.
The Keep Me Posted action paper works to ensure that consumer access to paper billing options is protected, action paper. Since it action paper, Keep Me Posted has focused on educating and challenging corporations action paper are removing consumer choice and changing to all-digital communications, and even charging fees for paper statements.
The campaign originated in the United Kingdom, action paper, and launched in North America in early December, action paper. The campaign argues that the move toward digital communication as a savings for corporations merely shifts the cost of printing onto the consumer, either by charging a fee for sending action paper statements, or by relying on consumers to print previously free documents at home. However, cost is not the only issue.
Accessing these documents online is impossible for many consumers.
Setting up a Paper Clutter System THAT WORKS!!! Create an ACTION center \u0026 never miss a thing!
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Sep 03, · Enforcement action will be taken against three individuals who were caught on camera throwing joss paper into a canal along East Coast Service Road, said the National Environment Agency (NEA). Facebook page blogger.com posted a video of the incident that occurred on August 22, in which three men are seen emptying boxes of joss paper into the canal Sep 04, · Enforcement action will be taken against three individuals who were caught on camera throwing joss paper into a canal along East Coast Service Road, said the National Environment Agency (NEA) We would like to show you a description here but the site won’t allow blogger.com more
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