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	<title>Free Annual Credit Reports &#38; Score Tips &#187; Annual Credit Report</title>
	<atom:link href="http://free-credit-reports-annual.com/category/annual-credit-report/feed/" rel="self" type="application/rss+xml" />
	<link>http://free-credit-reports-annual.com</link>
	<description>Free annual credit report tips and how to get your free credit score (FICO or comparable) without spending a dime</description>
	<lastBuildDate>Fri, 03 Feb 2012 09:48:55 +0000</lastBuildDate>
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		<title>I did not receive my free annual credit report, and the site says i have. What should i do?</title>
		<link>http://free-credit-reports-annual.com/annual-credit-report/i-did-not-receive-my-free-annual-credit-report-and-the-site-says-i-have-what-should-i-do/</link>
		<comments>http://free-credit-reports-annual.com/annual-credit-report/i-did-not-receive-my-free-annual-credit-report-and-the-site-says-i-have-what-should-i-do/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 04:20:50 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Annual Credit Report]]></category>
		<category><![CDATA[annual]]></category>
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		<category><![CDATA[receive]]></category>
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		<description><![CDATA[by tango.mceffrie Question by : I did not receive my free annual credit report, and the site says i have. What should i do? I am a colorado resident, and did not receive my free annual credit report. I went through the proper procedure, put in all of my information and it says i have [...]]]></description>
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<p><strong><i>Question by </i>: I did not receive my free annual credit report, and the site says i have. What should i do?</strong><br />
I am a colorado resident, and did not receive my free annual credit report. I went through the proper procedure, put in all of my information and it says i have already gotten it this year. This concerns me even more as i am sure i have not. I am wondering what i should do about this, as i think it may suggest that someone has been using my social security number when they shouldnt have. Please help me on the proper course of action for me to take&#8230;</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by Brian</i><br />i dont know</p>
<p><strong>Know better? Leave your own answer in the comments!</strong></p>
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		<title>Unclaimed Property Reporting</title>
		<link>http://free-credit-reports-annual.com/annual-credit-report/unclaimed-property-reporting/</link>
		<comments>http://free-credit-reports-annual.com/annual-credit-report/unclaimed-property-reporting/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 20:35:28 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Annual Credit Report]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[reporting]]></category>
		<category><![CDATA[Unclaimed]]></category>

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		<description><![CDATA[Unclaimed Property Reporting Event on 2012-03-06 00:00:00 Benefits Unclaimed property &#8211; what&#39;s it all about? Find out how to comply with state laws and prevent costly state audits. How does your company account for uncashed payroll and accounts payable checks? How does your company handle aged customer credits? Do you have unclaimed dividends, gift certificates [...]]]></description>
			<content:encoded><![CDATA[<p><strong><a href="http://eventful.com/nashville_tn/events/unclaimed-property-reporting-/E0-001-043813713-7?utm_source=apis&#038;utm_medium=apim&#038;utm_campaign=apic" rel="nofollow">Unclaimed Property Reporting</a></strong><br />
<i>Event on 2012-03-06 00:00:00</i><br />
<br /><b>Benefits</b>
<p><strong>Unclaimed property &#8211; what&#39;s it all about? Find out how to comply with state laws and prevent costly state audits.</strong></p>
</p>
<p>How does your company account for uncashed payroll and accounts payable checks? How does your company handle aged customer credits? Do you have unclaimed dividends, gift certificates or unidentified remittances that have not been claimed by the owner? These items may represent unclaimed property liability. </p>
</p>
<p>As states struggle to meet their annual fiscal responsibilities, unclaimed property has emerged as a new and popular avenue for increasing revenue stream. Unclaimed property touches all industries, company sizes and locations. Compliance is a hot topic &#8211; therefore, it&#39;s critical for your company&#39;s financial well-being to make sure you&#39;re in full compliance with state unclaimed property laws. Attend this seminar and get an extensive overview of all aspects of unclaimed property. Don&#39;t miss this timely opportunity to learn about the obligations and current issues companies are facing. </p>
</p>
<p>Benefits for You
<ul>
<li> Find out what unclaimed property is and how it affects your business </li>
<li> Avoid the financial risks of not complying with unclaimed property reporting laws </li>
<li> Navigate unclaimed property issues in mergers and acquisitions </li>
<li> Discover what the future holds as unclaimed property continues to emerge in the marketplace and state requirements evolve</li>
</ul>
<p><b>Who Should Attend?</b></p>
<p>This seminar is designed for accountants, controllers, tax managers, CFOs, bankers, treasurers and attorneys. </p>
<p><b>Continuing Education Units</b>
<ul>
<li>CAC 1.0 </li>
<li>CPE 8.0 including Specialized Knowledge and Applications 8 </li>
<li>TN CLE 6.67 </li>
<li><a href="http://www.lorman.com/certification/cac" rel="nofollow"></a></li>
</ul>
<p>- <a href="http://www.lorman.com/seminars/seminar_credit.php?sku=388524&#038;tid=&#038;sid=" rel="nofollow">Detailed Credit Information</a></p>
<p><a href="http://www.lorman.com/seminars/seminar_faqs.php?pid=223519&#038;tid=&#038;sid=" rel="nofollow">Frequently Asked Questions</a></p>
<p><a href="http://www.lorman.com/shop/addcart.php?item=223519" rel="nofollow"></a></p>
<p>at <a href="http://eventful.com/nashville_tn/venues/holiday-inn-select-oprylandairport-/V0-001-000173659-0?utm_source=apis&#038;utm_medium=apim&#038;utm_campaign=apic" rel="nofollow">Holiday Inn Select Opryland/Airport</a><br />
2200 Elm Hill Pike<br />
Nashville, United States</p>
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		<title>Latest Annual Credit Report News</title>
		<link>http://free-credit-reports-annual.com/annual-credit-report/latest-annual-credit-report-news/</link>
		<comments>http://free-credit-reports-annual.com/annual-credit-report/latest-annual-credit-report-news/#comments</comments>
		<pubDate>Sat, 14 Jan 2012 16:21:41 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Annual Credit Report]]></category>
		<category><![CDATA[annual]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Latest]]></category>
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		<description><![CDATA[Taking care of your credit report will pay off in future Another reason to check credit reports annually is to watch for potential identity theft which is a growing concern. The three credit bureaus are Transunion, Equifax, and Experian. You can get your free reports at www.annualcreditreport.com or by &#8230; Read more on The Coloradoan [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Taking care of your <b>credit report</b> will pay off in future</strong><br />
Another reason to check credit reports annually is to watch for potential identity theft which is a growing concern. The three credit bureaus are Transunion, Equifax, and Experian. You can get your free reports at www.annualcreditreport.com or by &#8230;<br />
<i>Read more on <a rel="nofollow" href="http://www.coloradoan.com/article/20120114/COLUMNISTS07/201140318/Taking-care-your-credit-report-will-pay-off-future?odyssey=mod%7Cnewswell%7Ctext%7CFRONTPAGE%7Cs">The Coloradoan</a></p>
<p></i></p>
<p><strong>Build better <b>credit</b> in 2012</strong><br />
If the dispute led the credit reporting bureau to correct the mistake, the bureau must also provide the borrower a free copy of the corrected credit report. Keep in mind that a corrected credit report does not count as the borrower&#39;s annual free report &#8230;<br />
<i>Read more on <a rel="nofollow" href="http://www.elpasoinc.com/news/border_business/article_fad309ae-3b10-11e1-9bb1-001a4bcf6878.html">El Paso Inc.</a></p>
<p></i></p>
<p><strong>Free <b>Annual Credit Report</b> &#8211; New Website Launches To Provide Credit Scores and <b>&#8230;</b></strong><br />
by james715 Customers will no longer need to put money right down to credit reports and scores, through Free Annual Credit Report Online. http://freeannualcreditreportonline.info is already up and running and offering US consumers the opportunity to &#8230;<br />
<i>Read more on <a rel="nofollow" href="http://www.shakopeenews.com/pages/full_story/push?blog-entry-Free+Annual+Credit+Report+-+New+Website+Launches+To+Provide+Credit+Scores+and+Report+At+No+Cost%20&#038;id=17029826&#038;instance=blog_spot">Shakopee Valley News</a></p>
<p></i></p>
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		<title>Fraud Issues &amp; Answers for Internal Auditors: The Auditor&#8217;s Role in Fraud Prevention, Detection and Handling including a 1 hour Update from Indiana State Auditor</title>
		<link>http://free-credit-reports-annual.com/annual-credit-report/fraud-issues-answers-for-internal-auditors-the-auditors-role-in-fraud-prevention-detection-and-handling-including-a-1-hour-update-from-indiana-state-auditor/</link>
		<comments>http://free-credit-reports-annual.com/annual-credit-report/fraud-issues-answers-for-internal-auditors-the-auditors-role-in-fraud-prevention-detection-and-handling-including-a-1-hour-update-from-indiana-state-auditor/#comments</comments>
		<pubDate>Sun, 08 Jan 2012 08:22:32 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Annual Credit Report]]></category>
		<category><![CDATA[Answers]]></category>
		<category><![CDATA[Auditor]]></category>
		<category><![CDATA[Auditors]]></category>
		<category><![CDATA[Detection]]></category>
		<category><![CDATA[Fraud]]></category>
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		<category><![CDATA[Update]]></category>

		<guid isPermaLink="false">http://free-credit-reports-annual.com/annual-credit-report/fraud-issues-answers-for-internal-auditors-the-auditors-role-in-fraud-prevention-detection-and-handling-including-a-1-hour-update-from-indiana-state-auditor/</guid>
		<description><![CDATA[Fraud Issues &#038; Answers for Internal Auditors: The Auditor&#8217;s Role in Fraud Prevention, Detection and Handling including a 1 hour Update from Indiana State Auditor Event on 2012-01-25 08:00:00 Institute of Internal Auditors Indianapolis Chapter Full Day Seminar (Lunch Included) Fraud Issues &#038; Answers for Internal Auditors:The Auditor&#39;s Role in Fraud Prevention, Detection and Handling [...]]]></description>
			<content:encoded><![CDATA[<p><strong><a href="http://eventful.com/indianapolis_in/events/fraud-issues-answers-internal-auditors-aud-/E0-001-043600828-4?utm_source=apis&#038;utm_medium=apim&#038;utm_campaign=apic" rel="nofollow">Fraud Issues &#038; Answers for Internal Auditors: The Auditor&#8217;s Role in Fraud Prevention, Detection and Handling including a 1 hour Update from Indiana State Auditor</a></strong><br />
<i>Event on 2012-01-25 08:00:00</i></p>
<p><strong>Institute of Internal Auditors</strong></p>
<p><strong>Indianapolis Chapter</strong></p>
<p><strong>Full Day Seminar (Lunch Included)</strong></p>
<p><strong><em>Fraud Issues &#038; Answers for Internal Auditors:<br />The Auditor&#39;s Role in Fraud Prevention, Detection and Handling</em></strong></p>
</p>
<p><strong>9 hours CPE</strong></p>
</p>
<p><strong>Take advantage of this 9 hour CPE opportunity to increase your awareness about Fraud topics and our role as Internal Auditors. In addition, we will have a special guest, Tim Berry (Indiana State Auditor) who will provide a governmental update during lunch.</strong></p>
</p>
<p><strong>Speakers: John J. Hall, CPA</strong></p>
<p><strong> Tim Berry, Indiana State Auditor (1 hour)</strong></p>
<p><strong></strong>  <strong>Date: </strong>Wednesday, January 25, 2012</p>
<p> <strong>Time: </strong>8:00 AM to 5:00 PM </p>
<p> <strong>Price: </strong>IIA/AGA/ACFE members: 0 and Non-members: 0 (includes lunch)</p>
<p><em>.</em></p>
<p><strong>Registration deadline is Tuesday, January 20 at 5:00pm</strong></p>
<p><strong>Cancellation deadline is Wednesday, January 18 at 5:00pm</strong></p>
</p>
<p><strong>Summary</strong></p>
<p>Most managers and Board members expect that audit groups possess and can effectively deploy fraudhandling expertise. As a result, professional auditors are working harder than ever to keep up with changing management expectations, build on their fraud risk management skills, and be an effective part of the organization&#39;s fight against fraud. </p>
<p>But even very experienced auditors will acknowledge that handling wrongdoing, misconduct and fraud issues, while interesting, is an area of great uncertainty and risk. What is needed is a place for auditors at all levels to learn the skills necessary to respond appropriately and effectively to these challenges. This seminar provides that opportunity. </p>
<p><strong>Learning Objectives</strong></p>
<p>This course for auditing professionals will teach participants how to:
<ul>
<li>Assist management with fraud prevention and detection efforts</li>
<li>Identify fraud exposures and risks</li>
<li>Detect fraud and misconduct</li>
<li>Handle fraud incidents</li>
</ul>
<p><strong>Program Content</strong>
<ul>
<li>The auditor&#39;s role in fraud risk management</li>
<li>What the professional standards say (and what they don&#39;t say)</li>
<li>Fraud Prevention: helping management create an anti&#8211;?fraud environment</li>
<li>Fraud risk assessment during audit planning</li>
<li>Creating a fraud risk inventory for your organization</li>
<li>Fraud discovery skills for internal auditors</li>
<li>Fraud examples and the impact on audit planning, work programs and controls</li>
<li>High payback audit steps</li>
<li>Monitoring suggestions</li>
<li>The internal auditor&#39;s role in investigations </li>
<li>Helping management correct control weaknesses Instructional Method, Prog</li>
</ul>
<p><strong>Speaker Biographies </strong></p>
</p>
</p>
</p>
</p>
<p><strong>John J. Hall, CPA</strong></p>
<p>Mr. Hall is a business and motivational speaker, seminar instructor and consultant. He helps program participants and clients:
<ul>
<li>Enhance personal, professional and<strong></strong><strong></strong>organizational performance</li>
<li>Identify and improve areas of exposure to business risk, wrongdoing, and fraud</li>
<li>Create a comprehensive anti-fraud environment </li>
<li>Assess and enhance internal controls </li>
</ul>
<p>Speaking, training, consulting and coaching areas include:
<ul>
<li>Personal and work group effectiveness and motivation</li>
<li>Fraud prevention, early detection and incident response</li>
<li>Communication and interpersonal behavior skills enhancement, including:
<ul>
<li>Establishing rapport</li>
<li>Interviewing and listening</li>
<li>Speaking and presenting</li>
<li>Selling ideas</li>
<li>Influencing others to take action </li>
</ul>
</li>
</ul>
<li>Consulting skills for professional auditors </li>
<li>Compliance reviews of construction and other third&#8211;?party contracts</li>
<p>Mr. Hall has over 30 years of experience as a professional speaker, consultant, and business owner. In addition to operating his own businesses since 1990, he has worked in leadership positions in large corporations and international public accounting firms. John is a member of the National Speakers Association, the American Institute of CPAs, and the Institute of Internal Auditors. John is a Trustee of the Keystone Center in Keystone Colorado and chairs the Audit Committee (www.keystone.org).</p>
<p> ___________________________________________________________________________________ </p>
<p><strong>Tim Berry, Indiana Auditor of State</strong></p>
<p>Elected Indiana&#39;s 54<sup>th</sup> State Auditor in November of 2006, taking office January 1, 2007, Tim Berry serves as the Chief Financial Officer for the State of Indiana. Auditor Berry is a committed fiscal conservative who keeps taxpayers first in recognizing that they deserve a government that is equipped to do more with less. As Allen County treasurer, Berry cut budget expenditures to the lowest cost per capita of any Treasurer in Indiana. During his tenure as State Treasurer, Tim returned 12% of his budget appropriation back to the state general fund. Since taking office as State Auditor, he has cut office expenditures 17% to levels consistent with year 2000 spending.</p>
<p>Under the leadership of Tim Berry, in late fall of 2009 Indiana successfully implemented a fully integrated financial system &#8211; the first of its kind for all of Indiana government, providing more efficient and transparent government. Additionally, Indiana&#39;s annual financial reports have received the Certificate of Achievement for Excellence in Financial Reporting &#8211; the highest standard available &#8211; from the Government Finance Officers Association each year of Berry&#39;s tenure as State Auditor. Berry&#39;s initiatives in financial education and literacy have earned him recognition from the National Association of Government Defined Contribution plans. During his inauguration speech Berry said, &quot;As Auditor we won&#39;t often make headlines, but we will continue to listen &#8211; continue to lead &#8211; continue to make a difference for all Hoosiers&quot;. This system transformed the ability of the public to see how their money is being spent through the Indiana Transparency Portal, which can be found at <a href="http://www.in.gov/itp" rel="nofollow">www.in.gov/itp</a>. People can view items as diverse as employee salaries and local government financial records.</p>
<p>Prior to his election as State Auditor, Tim served two terms as Indiana&#39;s Treasurer. In that role, Berry earned a record .7 billion for Hoosier taxpayers through the prudent investment of state dollars. Berry led the effort to obtain favorable legislation providing tax incentives for families saving for college through the CollegeChoice 529 plan. Through this 20% tax credit on contributions, more families will be financially prepared to meet the cost of higher education. Through his leadership as chair of the Wireless 911 Advisory Board, Indiana was recognized as a national leader for wireless 911 network technology. </p>
<p>Tim Berry&#39;s leadership has been recognized by many in Indiana and across the country. Berry was awarded the 2005 Jesse Unruh award, given to the nation&#39;s most outstanding state treasurer. Additionally, he was presented the 2003 Presidential Award of Excellence by the Association of Public Safety Officials, and the recipient of the American Heart Association&#39;s &quot;Heartsaver Award&quot;. Berry served as President of the National Association of State Treasurers and Chair of the National College Savings Plans Network. His efforts led to recognition by the State of Israel Bonds in 2003 and the Indianapolis Business Journal recognized Tim with their &quot;40 under 40&quot; designation in 2000.</p>
<p>As Auditor, Tim serves as the Chief Financial Officer for the State of Indiana. As CFO his most important obligations involve accounting for all of the State&#39;s funds, overseeing and distributing Local Governments tax distributions, paying the State&#39;s bills and paying the State&#39;s employees. Tim also serves as administrator to the Indiana Deferred Compensation Plan working to help secure a better retirement future for all State workers. Tim and his staff are committed to providing quality service to everyone who conducts business with this office.</p>
</p>
<p>at <a href="http://eventful.com/indianapolis_in/venues/farm-bureau-building-/V0-001-000154303-3?utm_source=apis&#038;utm_medium=apim&#038;utm_campaign=apic" rel="nofollow">Farm Bureau Building</a><br />
1202 E. 38th St.<br />
Indianapolis, United States</p>
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		<title>Launch of the 2010 Annual report</title>
		<link>http://free-credit-reports-annual.com/annual-credit-report/launch-of-the-2010-annual-report/</link>
		<comments>http://free-credit-reports-annual.com/annual-credit-report/launch-of-the-2010-annual-report/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 04:25:30 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Annual Credit Report]]></category>
		<category><![CDATA[2010]]></category>
		<category><![CDATA[annual]]></category>
		<category><![CDATA[Launch]]></category>
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		<description><![CDATA[A few nice annual credit report images I found: Launch of the 2010 Annual report Image by EMCDDA Lisbon, 10 November 2010 Photo credit: Nuno Saraiva Launch of the 2010 Annual report Image by EMCDDA Lisbon, 10 November 2010 Photo credit: Nuno Saraiva Tweet news and informations&#160;automotive,business,crime,health,life,politics,science,technology,travelautomotive,business,crime,health,life,politics,science,technology,travel]]></description>
			<content:encoded><![CDATA[<p>A few nice annual credit report images I found:</p>
<p><strong>Launch of the 2010 Annual report</strong><br />
<img alt="annual credit report" src="http://farm2.staticflickr.com/1376/5167220948_d099f02c87.jpg" width="400"/><br />
<i>Image by <a href="http://www.flickr.com/photos/40514778@N07/5167220948">EMCDDA</a></i><br />
Lisbon, 10 November 2010<br />
Photo credit: Nuno Saraiva</p>
<p><strong>Launch of the 2010 Annual report</strong><br />
<img alt="annual credit report" src="http://farm5.staticflickr.com/4014/5166621373_6a4bbb2f9d.jpg" width="400"/><br />
<i>Image by <a href="http://www.flickr.com/photos/40514778@N07/5166621373">EMCDDA</a></i><br />
Lisbon, 10 November 2010<br />
Photo credit: Nuno Saraiva</p>
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		<title>Dave Young &amp; Terry Promane Octet</title>
		<link>http://free-credit-reports-annual.com/annual-credit-report/dave-young-terry-promane-octet/</link>
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		<pubDate>Thu, 29 Dec 2011 20:34:14 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
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		<description><![CDATA[Dave Young &#038; Terry Promane Octet Event on 2012-02-17 20:30:00 featuring Kevin Turcotte – TrumpetVern Dorge – Alto SaxophoneMike Murley – Tenor SaxophoneTerry Promane – TrombonePerry White – Baritone SaxophoneGary Williamson – PianoDave Young – BassTerry Clarke – Drums Toronto based trumpeter Kevin Turcotte has had the privilege of playing on more than one hundred [...]]]></description>
			<content:encoded><![CDATA[<p><strong><a href="http://eventful.com/toronto/events/dave-young-terry-promane-octet-/E0-001-043567250-5?utm_source=apis&#038;utm_medium=apim&#038;utm_campaign=apic" rel="nofollow">Dave Young &#038; Terry Promane Octet</a></strong><br />
<i>Event on 2012-02-17 20:30:00</i><br />
<a href="http://hughsroom.com/wordpress/wp-content/uploads/2011/11/daveyoung-sepia.jpg" rel="nofollow"></a>
<p>featuring</p>
<p><strong>Kevin Turcotte</strong> – Trumpet<br /><strong>Vern Dorge</strong> – Alto Saxophone<br /><strong>Mike Murley</strong> – Tenor Saxophone<br /><strong>Terry Promane</strong> – Trombone<br /><strong>Perry White</strong> – Baritone Saxophone<br /><strong>Gary Williamson</strong> – Piano<br /><strong>Dave Young</strong> – Bass<br /><strong>Terry Clarke</strong> – Drums</p>
<p>Toronto based trumpeter <strong><a href="http://www.barnyardrecords.com/Bio%20kevin%20Turcotte.html" rel="nofollow">Kevin Turcotte</a></strong> has had the privilege of playing on more than one hundred recordings over the last twenty years with musicians from all across the country. Eighteen of these recordings have garnered Juno Nominations while four were Juno Winners. Whether it is recent outings by the Barenaked Ladies and Bruce Cockburn, the funky sounds of Mr. Something Something and Planet Earth, the eclectic nature of the Great Uncles of the Revolution and Jayme Stone or modern collaborations like the Sicilian Jazz Project and Ricochet, Kevin always brings a passion and creativity to each session.</p>
<p>Kevin graduated from the University of Toronto with a BA in Music and attended summer jazz sessions at the Banff School of Fine Arts under the tutelage of Dave Holland, Kenny Wheeler, Steve Coleman, Dave Douglas, Anthony Davis and Kenny Werner. He taught in the University of Toronto Jazz Degree program for over a decade from its inception until 2004 and is now at York University.</p>
<p>Kevin has been a long time member of many Canadian jazz groups including Rob McConnell and the Boss Brass, the Barry Elmes Quintet featuring Ed Bickert, Time Warp, Barry Romberg’s Random Access, Andrew Downing’s Melodeon and Arts and Letters, the Neufeld Occhipinti Jazz Orchestra (NOJO), the Dave Young Quintet, and the Jean Martin Trio.He has been featured on stage with a diverse roster of players such as Hermeto Pascoal, Sam Rivers, Carla Bley, Don Byron, Brian Blade, Seamus Blake, David Tronzo, Tito Puente, Herb Geller, Curtis Fuller, Roscoe Mitchell and David Clayton-Thomas</p>
</p>
<p>An engaging, lyrical saxophonist, <strong><a href="http://www.mikemurley.com/" rel="nofollow">Mike Murley</a></strong> has emerged as one of Canada’s finest jazz talents and one of the most versatile players on the scene today. Currently active as a leader in various formations from duo to septet, Murley also maintains a busy schedule as a sideman and jazz educator (University of Toronto).</p>
<p>Since 1991, Murley has played on ten Juno Award winning recordings. He was also named saxophonist of the year eight times by the Jazz Report Awards/National Jazz Awards.</p>
<p>Murley’s latest CD release, <em>Still Rollin’, </em>is the debut recording for his septet. It features the saxophonist’s compositions and arrangements performed by some of Canada’s finest jazz improvisers. Other recent recordings include two in 2008 as a co-leader, <em>DMBQ Live</em> and <em>Day and Night </em>with his former teacher David Liebman. Murley’s critically acclaimed 2006 recording, <em>The Melody Lingers On”</em>, finds the saxophonist’s trio live in concert at the Glenn Gould Studio with a twelve-piece string ensemble conducted by Rick Wilkins. Also featured on the recording are Guido Basso (flugelhorn) and Tara Davidson (saxes) with string arrangements by Murley and guitarist Reg Schwager.</p>
<p>In August 2011 Murley accepted a full-time lecturer position at the University of Toronto Faculty of Music. He has also taught at the York University (where he served as jazz area coordinator from 2008-11), Humber College, and has been a visiting member of faculty at the Banff Centre for the Arts.</p>
</p>
<p><strong><a href="http://www.music.utoronto.ca/faculty/faculty_members/faculty_n_to_z/Terry_Promane.htm" rel="nofollow">Terry Promane </a></strong>is an Associate Professor and Coordinator of Jazz Studies at the University Toronto, The Director of “The Jazz Camp” at the Interprovincial Music Camp (IMC) and remains busy as a freelance tenor trombone/tuba/bass trombonist. He appears with numerous Toronto based groups including, The Mike Murley Septet, The John Macleod Big Band, The Paul Read Orchestra (PRO), Dave Young Sextet, The Dave Young/Terry Promane Octet, The DYTP Big Band (Dave Young/Terry Promane) The Kirk MacDonald Big Band, a long time member of The Boss Brass, an original member The Rob McConnell Tentet and the newly formed Davidson/Carn 9 (D/C 9).</p>
<p>As an educator, Terry is active presenting seminars and clinics at the Ontario Band Association (OBA), the Ontario Music Educators Association (OMEA) and Musicfest where Terry continues as the conductor of The Yamaha Allstar Big Band.</p>
<p>Theatre credits include, The Sound of Music, The Drowsy Chaperone, Show Boat, Fosse, The Producers, The Lord of the Rings Jolson, Crazy for You, Phantom of the Opera, The Lion King and many more. As a composer and arranger, Terry writes for the University of Toronto Jazz Orchestras, The Dave Young Sextet/Octet – The Paul Read Orchestra, (PRO), The Kirk MacDonald Big Band, The Dave McMurdo Jazz Orchestra, and most recently DYTP Big Band and DC9</p>
<p>Terry has received a number of National Jazz Awards nominations including Arranger of The Year 2005 and “Jazz Trombonist of the Year 2005, 2006, and 2007. In 1999, and 2000, Terry was honored as the “Jazz Trombonist of theYear” from the Jazz Report magazine.</p>
</p>
<p><strong><a href="http://www.canadianjazzarchive.org/en/musicians/perry-white.html" rel="nofollow">Perry White</a></strong> ( tenor, baritone, alto, and soprano saxophones, flute, clarinet, bass clarinet) was born in Vancouver, British Columbia, Canada. His expressive tone and lyrical approach to playing the entire family of saxophone have kept him busy performing in Canada and around the world for over two decades. Born in Vancouver, British Columbia, Canada, he starting playing in local coffee houses and bars at the age of 15, soon hooking up with Canadian jazz greats-to-be including Hugh Fraser, Campbell Ryga and Renee Rosnes.</p>
<p>He developed his own sound which he describes as being “steeped in the tradition of jazz and charged with the energy and experimentation of modern music”. Relocating to Toronto in the ‘80s, he has since performed and recorded with a who’s who of the Canadian jazz and modern music scene as well as a diverse cross-section of international artists including Hilario Duran. Dave Young, Kevin Briet, The Shuffle Demons, Bill Mays, Mouse on Mars (Germany), Hugh Fraser, Phil Dwyer, Holy Cole, Michael White, John Alcorn, John MacLeod, Dave Mcmurdo, Mr. Something Something, Aretha Franklin, Michael Buble, Raise the Roof (Holland), The Boss Brass, Reg Schwager, Planet Earth, Steve Wallace, Rob Armus (France), Hugh Marsh, Ted Quinlan, Richard Whiteman, Roberto Occhipinti, David Foster, Michael Occhipinti, NOJO, Claude Ranger, Freddie Stone, Esprit Orchestra, Dione Taylor, Don Thompson, and Milton Berle.</p>
</p>
<p><strong><a href="http://www.canadianjazzarchive.org/en/musicians/gary-williamson.html" rel="nofollow">Gary Williamson</a></strong> (pianist) has been playing professionally since 1964, working with nearly everyone on the Toronto jazz scene, and backing visiting greats in all of the city’s leading jazz clubs. He performed frequently at Bourbon Street in its heyday, working with legendary jazz figures including Junior Cook, Thad Jones, and Dexter Gordon. He played and toured extensively with ‘Nimmons ‘N Nine Plus Six’, and has recorded with everyone from Phil Nimmons and Ed Bickert to Kathryn Moses, Sam Noto, and Hagood Hardy.</p>
<p>Williamson is also a dedicated educator who teaches currently with the Etobicoke (Toronto) Board of Education and on the Jazz Studies faculty at the University Toronto. Over the past he has taught at the Banff School of Fine Arts, a Humber College Summer Music Workshop, ‘Chamber Music and All That Jazz’ at the University of New Brunswick, and the University of Toronto Big Band Workshops.</p>
<p>Gary Williamson performed on 14 separate “Sound of Toronto Jazz” concerts at the Ontario Science Centre from 1977 to 1997, once as a solo pianist (on March 7, 1983) and on other occasions with Lorne Lofsky, Terry Lukiwsky, the Phil Nimmons Quartet, Kirk MacDonald, Leo Sullivan, Martin Franklin, Art Ellefson, Marty Morell, Bob McLaren, Neil Swainson, and ‘Nimmons ‘n’ Nine Plus Six’.</p>
</p>
<p>Toronto-based and Winnipeg-born multiple award-winning bassist and composer <strong><a href="http://daveyoung.ca/index.php" rel="nofollow">Dave Young</a></strong>, is, without a doubt, one of Canada’s most valuable and beloved musical exports. Whether he’s performing as part of a classical symphony, or as an integral member of an iconic jazz trio (with the likes of the late Oscar Peterson), or leading any of his dynamic ensembles, Dave remains a total musician, with artistic soul in abundance. He first began studying the guitar and violin at age ten, but a turn of events at his first gig (a University dance band) compelled him to pick up the bass. Equally comfortable in the worlds of orchestral classical music and jazz, Dave is a multiple threat. As a classical musician, he has been a member of The Edmonton Symphony, The Winnipeg Symphony and The Hamilton Philharmonic. As a jazz artist, he is a chameleon-like bassist, who often shines brightest in collaborative efforts with other musicians. Because of his technical skill, few bassists (jazz or otherwise) are able to dig in, swing hard and still render a lyrical arco solo as Dave can.</p>
<p>One of Dave Young’s most beloved gigs was a five year stint (1961-66) as a member of iconic jazz guitarist Lenny Breau’s quartet. Recently, Randy Bachman’s “Guitar Archives” label has released Bourbon Street – a LIVE recording of Dave and Lenny in duo format, digitally restored and originally recorded on a primitive reel to reel at Toronto’s late, lamented jazz venue. The list of musicians with whom Dave has shared the stage is a virtual “Who’s Who” of international jazz…including the late Oscar Peterson (with whom Dave had a thirty-five year musical relationship), Clark Terry, Harry “Sweets” Edison, Zoot Simms, Joe Williams, Oliver Jones, Kenny Burrell, Cedar Walton, Hank Jones, Nat Adderly, Peter Appleyard, Gary Burton, Barney Kessell, Ed Bickert, Ranee Lee, Marcus Belgrave, Don Thompson, Kenny Burrell and James Moody.</p>
<p>In recent years, Dave Young has released a number of excellent CDs as leader. The most recent CD, Mean What You Say was released in November 2009. The JUNO winning Fables and Dreams with co-leader Phil Dwyer (Justin Time Records); We Three with Phil Dwyer and Michele Lambert (torontosound.com) and Two by Two – Volumes 1 &#038; 2 (1995 &#038; 96) which featured Dave in duet performances with jazz legends Oscar Peterson, Cedar Walton, John Hicks, Mulgrew Miller, Tommy Flanagan, Ellis Marsalis, Barry Harris, Kenny Barron, Renee Rosnes, Cyrus Chestnut and Oliver Jones and the hit recordings Tale of the Fingers with Special Guest Cedar Walton (Justin Time), and the excellent quintet album, Mainly Mingus (Justin Time), which features Dave’s re-imaginings of the music of Charles Mingus and Horace Silver.</p>
<p>In addition to club appearances, touring, recording and concert/festival performance work, Dave is also a dedicated jazz educator, having taught at numerous music seminars and jazz clinics, as well as being an ongoing member of the Faculty of Music at The University of Toronto. In the classical milieu, Dave regularly tours with clarinettist James Campbell and pianist Gene Di Novi in a successful programme of “Classical Fusion”. He also stretches both his classical and jazz chops at the annual “Festival of the Sound” in Perry Sound, Ontario, where he has been an integral part of this two-week eclectic musical event for some years.</p>
<p>Dave Young was recently named as a member to The Order of Canada – our country’s highest and most prestigious civilian honour. He was installed for his huge international contribution to the music world and to Canada. Dave Young is also the winner (several times over) of the prestigious National Jazz Award “Bassist of the Year”. In 2009, in Atlanta Georgia, Dave performed as part of a 16-piece orchestra accompanying award-winning choreographer Twyla Tharp’s latest Broadway-bound dance work: “Come Fly With Me” – The Music of Frank Sinatra.</p>
<p><strong><br /><a href="http://www.canadianjazzarchive.org/en/musicians/terry-clarke.html" rel="nofollow">Terry Clarke</a></strong> (drummer) was born August 20, 1944 in Vancouver, British Columbia, Canada. He began displaying rhythmic aptitude at a very early age, and was just 12 twelve years old when he began studying formally with noted drum teacher and author, Jim Blackley, Blackley was, and remains, a primary figure in Clarke’s continuing development as a musician.</p>
<p>In 1965, Clarke moved to San Francisco to work with legendary saxophonist, John Handy III. He performed with Handy for the next two and a half years, during which time the GRAMMY nominated recording, Live at The Monterey Jazz Festival (Columbia – 1966) was made. Following the John Handy experience (which included Terry’s long-time musical collaborator and friend, Don Thompson), Clarke began building his reputation for versatility by joining the world-famous pop vocal group, “The Fifth Dimension” at the height of their popularity, travelling and performed extensively with them throughout the U.S.A., Canada and Europe.</p>
<p>Clarke left “The Fifth Dimension” in 1970, subsequently re-locating to Toronto where, for the next 15, he played an abundance of jazz in all styles, and established himself as a major figure in Toronto’s then-considerable studio scene. Countless television shows, jingles and recording dates were his mainstay, as well performances in legendary Toronto jazz clubs including “George’s Spaghetti House”, “Bourbon Steet”, and “Basin Street”, often working with international jazz figures including Frank Rossolino and Lenny Breau. During the same period, he also toured extensively in Japan and Europe with jazz guitar legend Jim Hall and piano great, Oscar Peterson.</p>
<p>Terry Clarke is an original member of the “Rob McConnell and the Boss Brass” jazz big band, recording and touring with the world-acclaimed ensemble for 25 years. In 1985, seeking greater musical challenges, Clarke moved to New York City to pursue an exclusively jazz-oriented career. During his tenure there, he worked and recorded with The Toshiko Akiyoshi Jazz Orchestra, Helen Merrill, Toots Theilemans, Ann Hampton Callaway, Red Mitchell, Marvin Stamm, Jim Hall, Bill Mays, Roger Kellaway, and Joe Roccisano, to list just a few.</p>
<p>Having recorded over 300 albums with various jazz artists, Terry Clarke is a familiar face at jazz festivals, concert halls, and venues throughout the world. In August of 1999, he returned to Toronto, reuniting with Rob to join his exciting new ensemble, “The Rob McConnell Tentet”, Terry Clarke’s most recent CD release is ‘Bick’s Bag’ (Triplet Records) featuring the trio of Bill Mays, Neil Swainson, and Terry Clarke, in tribute to Canadian jazz guitar legend, Ed Bickert.</p>
<p>Terry Clarke continues to perform and record with a number of international artists, including Nancy Wilson, Bill Mays, Renee Rosnes, Jim Hall, and Helen Merrill, as well as with an exciting line-up of Canadian musicians, among them David Braid, Jake Langley, Don Thompson, Nancy Walker, Neil Swainson, and David Occhipinti. Clarke is also an enthusiastic jazz educator, and for the past several years has been a member of the Faculty of Music at the University of Toronto.<a href="http://hughsroom.com/reservations/?performance=Dave+Young+%26%23038%3B+Terry+Promane+Octet&#038;pdate=February+17%2C+2012" rel="nofollow">Request a reservation</a></p>
<p>at <a href="http://eventful.com/toronto/venues/hughs-room-/V0-001-001110179-3?utm_source=apis&#038;utm_medium=apim&#038;utm_campaign=apic" rel="nofollow">Hugh&#8217;s Room</a><br />
2261 Dundas Street West<br />
Toronto, Canada</p>
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		<title>New York Construction Accident Lawyer from The Perecman Firm Credits Adequate Safety Precautions for Saving the Life of a Construction Worker After a Scaffold Fall</title>
		<link>http://free-credit-reports-annual.com/annual-credit-report/new-york-construction-accident-lawyer-from-the-perecman-firm-credits-adequate-safety-precautions-for-saving-the-life-of-a-construction-worker-after-a-scaffold-fall/</link>
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		<pubDate>Fri, 23 Dec 2011 12:23:40 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Annual Credit Report]]></category>
		<category><![CDATA[Accident]]></category>
		<category><![CDATA[Adequate]]></category>
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		<category><![CDATA[Construction]]></category>
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		<description><![CDATA[New York, New York (PRWEB) December 21, 2011 A construction worker is alive following a scaffold accident in Kips Bay. &#13; Thankfully, the worker used adequate safety precautions, said New York construction accident lawyer David Perecman, founder of The Perecman Firm, one of New York construction accident law firms. Something as simple as a safety [...]]]></description>
			<content:encoded><![CDATA[<p><img style="float:left;margin: 0 20px 10px 0;" src="http://ww1.prweb.com/prfiles/2011/10/05/9052181/gI_59682_The Perecman Firm Logo.jpg" /><br />
New York, New York (PRWEB) December 21, 2011
<p> A construction worker is alive following a scaffold accident in Kips Bay.  </p>
<p>&#13;</p>
<p>Thankfully, the worker used adequate safety precautions, said New York construction accident lawyer David Perecman, founder of The Perecman Firm, one of New York construction accident law firms.   Something as simple as a safety harness and rope can make all the difference in the event of a scaffold accident in New York.</p>
<p>&#13;</p>
<p>The construction worker dangled six stories above the sidewalk, held by only his safety harness and a rope.  He had lost his balance and toppled over the edge of a suspended scaffold, reported the New York Post. (12/13/2011).</p>
<p>&#13;</p>
<p>Construction site falls account for the greatest number of fatalities in the construction industry, according to the Occupational Safety &amp; Health Administration (OSHA).</p>
<p>&#13;</p>
<p>In 2010, the Bureau of Labor Statistics (BLS) reported that 751 construction workers died on the job, with 35 percent of those fatalities resulting from falls.</p>
<p>&#13;</p>
<p>Nearly 2.3 million construction workers often work on scaffolds, reported OSHA. Protecting these workers from scaffold-related construction accidents would prevent an estimated 4,500 injuries and 50 fatalities annually.</p>
<p>&#13;</p>
<p>Fall arrest systems, safety nets, guardrails, covers and restraint systems can prevent many construction accident injuries and deaths from falls, said OSHA.</p>
<p>&#13;</p>
<p>Training is one of the most important requirements to prevent falls from scaffolding in New York, construction accident lawyer Perecman, the former head New York construction accident lawyer for the New York State Trial Lawyers Association, and a lecturer on construction accident law, said.</p>
<p>&#13;</p>
<p>If you have been injured or lost a loved one in a New York construction accident or scaffold fall on the job, please contact the New York construction accident lawyers  atThe Perecman Firm at http://www.perecman.com.</p>
<p>&#13;</p>
<p>About David Perecman and The Perecman Firm, PLLC:</p>
<p>&#13;</p>
<p>For the past 30 years, the New York construction accident, medical malpractice, auto accident, and personal injury accident lawyers at The Perecman Firm, PLLC have handled all types of cases including age and disability discrimination. David Perecman, founder of the Firm, is a Board Director and the past Secretary and Treasurer of the New York State Trial Lawyers Association (NYSTLA) and a chair of its Labor Law Committee. Mr. Perecman&#8217;s achievements have brought him recognition as an Honoree in the National Law Journal&#8217;s Hall of Fame, in New York Magazine&#8217;s &#8220;The Best Lawyers in America&#8221; and The New York Times Magazine &#8220;New York Super Lawyers, Metro Edition&#8221; for the years 2007-2010.</p>
<p>&#13;</p>
<p>The Firm has recovered millions of dollars for its clients. Among the more recent victories, Mr. Perecman won a $  15 million verdict** for a construction accident, a $  5.35 million dollar verdict*** for an automobile accident, and a $  40 million dollar structured settlement for medical malpractice****.</p>
<p>&#13;</p>
<p>The Perecman Firm serves Long Island, Westchester, Upstate NY, Morris County, and Rockland County.</p>
<p>&#13;</p>
<p>**later settled while on appeal for $  7.940 million????&#13;<br />
<br />*** later settled for $  3.5 million&#13;<br />
<br />**** total potential payout</p>
<p>&#13;</p>
<p>&#8220;Lawyer Advertising&#8221;&#13;<br />
<br />&#8220;Prior results do not guarantee a similar outcome.&#8221;</p>
<p>&#13;</p>
<p>###</p>
<p>&#13;<br />
 &#13;<br />
                &#13;<br />
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		<pubDate>Wed, 14 Dec 2011 00:27:43 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
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<p>An interview with Lyn Bankowski, senior loan originator with AlaskaUSA mortgage about the importance of checking your credit report.</p>
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		<pubDate>Sat, 10 Dec 2011 20:27:48 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
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<p>Anyone can write a catchy jingle, but only AnnualCreditReport.com provides you with a truly free credit report. Its the only authorized source to get your free credit report under federal law. Comment Moderation Policy We welcome your comments and thoughts about the information on this page. If you do have something to say, please be courteous and respectful to other commenters. We won&#8217;t routinely review or edit any comments before they are posted, but we will delete any comments that: 1) contain spam or are off-topic 2) use vulgar language or offensive terms that target specific groups or contain personal attacks 3) are sales pitches, promotions, urls or links to commercial sites 4) spread clearly misleading or false information or 5) include personal information, like home addresses<br />
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		<pubDate>Thu, 01 Dec 2011 08:21:20 +0000</pubDate>
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