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    10 Factors That Can Raise Or Lower Auto Insurance Rates
    Auto Insurance premiums are never computed on a flat rate. The premium payable by each individual varies and is dependant on several variables. There are several factors that are used by auto insurers to determine the premium payable for auto insurance coverage.The rate of vehicle insurance is arrived at after taking into consideration the following:1. Your age. Generally younger drivers are considered to be high risk and so the insurance rates are higher. Similarly older drivers too pay higher auto insurance premiums as with advancing age eyesight and coordination may become problems that affect driving.2. The make of your car. Most insurance companies tabulate auto insurance rates based on the make of the vehicle. Compact cars and sedans have lower rates while sports models, exotic cars, and SUVs are assigned high rates of premium.3. Gender is a factor too. Females get lower rates of auto insurance while males pay higher auto insurance premiums. Male drivers are consider high risk individuals as compared to females. According to statistics more accidents are caused by men than women drivers.4. Financial stability. Auto owners with great credit scores and credit reports generally pay lower premiums than those with bad credit scores and reports. If you are considered to be a
    ufacturer produces pillows labeled “50% down, 50% waterfowl feathers,” the FTC expects all or nearly all of these pillows to be filled with 50% down and 50% waterfowl feathers. If all or a large portion of the pillows actually contain, for example, 45% down, then the pillows must be relabeled “45% down.” If a manufacturer deliberately labels the pillows with a higher percentage down content than the actual down content that the manufacturer intends to put into the product, the manufacturer is acting deceptively.

    Species

    When a label identifies a particular species (e.g., “goose down,” “duck down”), only a modest deviation reflecting unavoidable manufacturing variations, despite the exercise of due care, is acceptable. Truthful, non-deceptive disclosures of any species (waterfowl or landfowl) are acceptable.

    Cleanliness

    The US FTC pays close attention to consumer health and safety issues in product advertising and labeling. Consumers expect that feather and down products will be free of foreign matter and contaminants. How can the industry determine and convey cleanliness? One way is through the measurement of oxygen number. Because modern mass production techniques allow the industry to produce feather and down materials efficiently with oxygen numbers below 10, cleanliness of feather and down filling should be consistent with an oxygen number of less than 10, no matter how it is measured. Finished goods manufacturers and retailers may contract for feather and down material that is cleaner or otherwise superior to these minimum criteria. By doing so — and by making truthful and substantiated comparative claims in their ads they can offer consumers feather and down products that match their various preferences.

    The penalties depend on the nature of the violation. The rem

    Are We About to See an Outbreak of REOs Again?
    REO stands for Real Estate Owned and describes bank-repossessed properties.Back in the late 1980s and early 1990s there was a rash of REOs on the market spawned after several years of creative financing intended to work-around ungodly interest rates. Anyone who sold real estate in those days would agree it was like the wild-wild west of real estate.Banks, overly eager to make loans during a time when property sales were at a virtual stand still, threw caution to the wind and became more-than-willing to make loans to just about anyone able to propose a creative lending idea.But we reap what we sow--within a few years, when it came to pay the piper, borrowers seemingly had no creative way to maintain the loan and many in turn lost their property to foreclosure. In response, this time eager to dump an overbearing load of repossessed properties, banks got the creative idea to sell them off through a specially-formed department they called REO.It was like witnessing a financial train wreck. Fortunes were lost, reputations destroyed, and for many, the idea of ever sharing the American Dream got blown off the steps of courthouses across the nation into kingdom-come like piles of ashes.For the decade following, banks tightened their lending practices and REO, with the exception of a f
    No matter who sells, the claims they make about their product must be truthful, accurate and substantiated. The descriptions they provide of their products must not be misleading and must disclose certain information that is important to you the consumer in purchasing decisions.

    This article will help you interpret advertising in general and advertising and labeling feather and down products in particular.

    Down products?

    Legally under the Federal Trade Commission Act, advertising must be truthful and non-deceptive, and advertisers must have evidence to back up their claims. All states also have consumer protection laws that apply to ads and products sold in that state.

    Is the ad, from the point of view of the “reasonable consumer”— the typical person looking at the ad. The FTC examines the ad in context - words, phrases and pictures. What do the words, phrases and pictures in the ad convey to you the consumer. These may be “express” and “implied” claims.

    An express claim is explicitly stated in the ad. For example,“100% Eider down” is an express claim that the product contains 100 percent down from the Eider duck, without any other types of filling materials from the Eider duck or other species.

    An implied claim is made indirectly or by inference. The claim “nature’s best insulation,” accompanied by a picture of a goose, suggests to a consumer that the product is filled with goose down.

    According to the law, advertisers must have proof to back up express and implied claims that consumers would take from an ad. In Australia two different sellers of Sleeping Bags was recently taken to court because they claimed the bags being advertised contained 100% down when in-fact it was 75% and 85 % respectively

    You should also observe what an ad does not say — that is, whether the failure to disclose information leaves consumers with a mis-impression about the product. For example, consumers expect that products labeled as feather or down-filled consist of plumage that — to the extent consistent with modern mass production techniques is not crushed or damaged.

    As a result, it would be deceptive to advertise and sell feather and down products with more than minimal crushed or damaged plumage without disclosing the fact and amount of the crushed or damaged plumage. Without any disclosures to the contrary, consumers also expect that feather or down-filled products contain only new, unused plumage. It is unacceptable to add crushed, damaged or secondhand plumage to feathers and down without disclosing the fact and amount of such material; truthful, non-deceptive disclosures of any crushed, damaged or secondhand feather and down to a consumer’s decision to buy or use the product. Material claims include representations about a product’s performance, features, safety, price, or effectiveness. Given the well-known insulating properties of down, for example, it is likely that claims about down content would be important to consumers considering buying down-filled comforters or garments.

    Finally, you should look at whether the advertiser has enough evidence to support the claims in an ad. The law requires that advertisers have proof for all material claims before their ad runs.

    ADVERTISING AND LABELING FEATHER AND DOWN PRODUCTS

    What kinds of claims about feather and down products are material to consumers?

    These days, claims about content, species and cleanliness are among the factors that seem especially important to consumers who are considering buying feather and down products. As market conditions change, though, so will the information necessary for effective marketing.

    Content Labeling

    Pure... All... 100%... A product may not be called “pure down,” “all down,” “100% down” — or described by any other word or term indicating that the product contains only down — unless that’s the case. The same principle applies to feathers and other filling materials

    Unqualified “Down” Claims.

    Consider the way a consumer is likely to interpret an ad or a label that describes the product’s filling simply as “down.” It’s reasonable to assume that consumers expect down content to reflect diligent use of modern mass production techniques calibrated to make the most of both efficiency and down content. Applying those production techniques should yield down content of more than 70 percent for products labeled “down.” (Before they were rescinded, the FTC.

    Down Guides allowed the 70 percent standard. According to the FTC, the resulting 30 percent tolerance was outdated and unwarranted, and did nothing to promote truthful labeling and advertising practices.)

    Producers selling down products in Canada already must meet Canada’s 75 percent down requirement.

    Producers selling down products in Japan are able to manufacture products with as much as 90 percent down content.

    In the US - When the US FTC decided to rescind the Down Guides, it stated that this action should provide incentive for the industry to create effective standards and develop better methods of product differentiation. For example, the industry is in the best position to determine an appropriate outer limit for non-down content in a product labeled “down.” It also is in the best position to educate consumers about the meaning of the term “down” and about differentiating among down-filled products.

    Both producers and retailers might choose to move toward a standard of full and accurate disclosure, with all down-filled products labeled to show the actual percentage of down content instead of relying on the more ambiguous “down” label. Or manufacturers might choose to establish and disclose a minimum standard for the down content of their “down” products. For example: “Down — consisting of a minimum of 80 percent down and a maximum of 20 percent waterfowl feathers and down or feather fiber.”

    Manufacturers should be aware that in rescinding its Guides, the FTC did not withdraw its scrutiny from this market. Indeed, the agency will continue to monitor claims about down because there’s no way for consumers to determine accuracy for themselves. as they strive t In the meantime, it is reasonable to expect that sellers in North America will follow the Canadian minimum of 75 percent down in a product labeled “down,”o achieve the highest standard consistent with modern production techniques.

    Percentage Claims.

    When a product is labeled with a specific percentage of down (say, “50% down, 50% waterfowl feathers”), only a modest deviation reflecting unavoidable manufacturing variations, despite the exercise of due care, is acceptable. This standard applies to all plumage used as filling materials.

    Under current production methods, manufacturers should produce feather and down blend goods having a down content that is plus or minus two to five percent of the percentage number on the label. This deviation must reflect only the unavoidable variations of the manufacturing process; it is deceptive to intentionally produce and sell feather and down products with anything less than the claimed down content. In short, a producer may not “shoot for the tolerance.” For example, if a manufacturer produces pillows labeled “50% down, 50% waterfowl feathers,” the FTC expects all or nearly all of these pillows to be filled with 50% down and 50% waterfowl feathers. If all or a large portion of the pillows actually contain, for example, 45% down, then the pillows must be relabeled “45% down.” If a manufacturer deliberately labels the pillows with a higher percentage down content than the actual down content that the manufacturer intends to put into the product, the manufacturer is acting deceptively.

    Species

    When a label identifies a particular species (e.g., “goose down,” “duck down”), only a modest deviation reflecting unavoidable manufacturing variations, despite the exercise of due care, is acceptable. Truthful, non-deceptive disclosures of any species (waterfowl or landfowl) are acceptable.

    Cleanliness

    The US FTC pays close attention to consumer health and safety issues in product advertising and labeling. Consumers expect that feather and down products will be free of foreign matter and contaminants. How can the industry determine and convey cleanliness? One way is through the measurement of oxygen number. Because modern mass production techniques allow the industry to produce feather and down materials efficiently with oxygen numbers below 10, cleanliness of feather and down filling should be consistent with an oxygen number of less than 10, no matter how it is measured. Finished goods manufacturers and retailers may contract for feather and down material that is cleaner or otherwise superior to these minimum criteria. By doing so — and by making truthful and substantiated comparative claims in their ads they can offer consumers feather and down products that match their various preferences.

    The penalties depend on the nature of the violation. The reme

    Get Free Traffic Manipulating YouTube With Your Online Videos.
    Did you know that YouTube serves up over 200 million video clips per day? It's true...people are flocking to online video sites in droves, and they are watching so many videos, that even network television is worried that they'll become obsolete. It's so wonderful because barely any marketers really know how to use it as a promotional method.Simply put, creating 1 video promotion today can potentially get you hundreds of thousands of visitors to your websites in the future... And it's totally free because these sites pay for all of the bandwidth, hosting and traffic to your video promotion.And that's why it's important that you learn about this new medium today...so that you can take advantage of it and advertise your products and services with short video clips, without paying any fees per viewer (Before it gets played out like all the other website promotion tactics).Imagine if you took advantage of Adsense when it was first introduced and no one knew much about it. Well, this is your chance to jump into a traffic generating method that is just becoming popular right now.How many times do you think your videos would be viewed out of the 200 million video clips played per day? Chances are quite a few if you do it in the right way.This is an
    e what an ad does not say — that is, whether the failure to disclose information leaves consumers with a mis-impression about the product. For example, consumers expect that products labeled as feather or down-filled consist of plumage that — to the extent consistent with modern mass production techniques is not crushed or damaged.

    As a result, it would be deceptive to advertise and sell feather and down products with more than minimal crushed or damaged plumage without disclosing the fact and amount of the crushed or damaged plumage. Without any disclosures to the contrary, consumers also expect that feather or down-filled products contain only new, unused plumage. It is unacceptable to add crushed, damaged or secondhand plumage to feathers and down without disclosing the fact and amount of such material; truthful, non-deceptive disclosures of any crushed, damaged or secondhand feather and down to a consumer’s decision to buy or use the product. Material claims include representations about a product’s performance, features, safety, price, or effectiveness. Given the well-known insulating properties of down, for example, it is likely that claims about down content would be important to consumers considering buying down-filled comforters or garments.

    Finally, you should look at whether the advertiser has enough evidence to support the claims in an ad. The law requires that advertisers have proof for all material claims before their ad runs.

    ADVERTISING AND LABELING FEATHER AND DOWN PRODUCTS

    What kinds of claims about feather and down products are material to consumers?

    These days, claims about content, species and cleanliness are among the factors that seem especially important to consumers who are considering buying feather and down products. As market conditions change, though, so will the information necessary for effective marketing.

    Content Labeling

    Pure... All... 100%... A product may not be called “pure down,” “all down,” “100% down” — or described by any other word or term indicating that the product contains only down — unless that’s the case. The same principle applies to feathers and other filling materials

    Unqualified “Down” Claims.

    Consider the way a consumer is likely to interpret an ad or a label that describes the product’s filling simply as “down.” It’s reasonable to assume that consumers expect down content to reflect diligent use of modern mass production techniques calibrated to make the most of both efficiency and down content. Applying those production techniques should yield down content of more than 70 percent for products labeled “down.” (Before they were rescinded, the FTC.

    Down Guides allowed the 70 percent standard. According to the FTC, the resulting 30 percent tolerance was outdated and unwarranted, and did nothing to promote truthful labeling and advertising practices.)

    Producers selling down products in Canada already must meet Canada’s 75 percent down requirement.

    Producers selling down products in Japan are able to manufacture products with as much as 90 percent down content.

    In the US - When the US FTC decided to rescind the Down Guides, it stated that this action should provide incentive for the industry to create effective standards and develop better methods of product differentiation. For example, the industry is in the best position to determine an appropriate outer limit for non-down content in a product labeled “down.” It also is in the best position to educate consumers about the meaning of the term “down” and about differentiating among down-filled products.

    Both producers and retailers might choose to move toward a standard of full and accurate disclosure, with all down-filled products labeled to show the actual percentage of down content instead of relying on the more ambiguous “down” label. Or manufacturers might choose to establish and disclose a minimum standard for the down content of their “down” products. For example: “Down — consisting of a minimum of 80 percent down and a maximum of 20 percent waterfowl feathers and down or feather fiber.”

    Manufacturers should be aware that in rescinding its Guides, the FTC did not withdraw its scrutiny from this market. Indeed, the agency will continue to monitor claims about down because there’s no way for consumers to determine accuracy for themselves. as they strive t In the meantime, it is reasonable to expect that sellers in North America will follow the Canadian minimum of 75 percent down in a product labeled “down,”o achieve the highest standard consistent with modern production techniques.

    Percentage Claims.

    When a product is labeled with a specific percentage of down (say, “50% down, 50% waterfowl feathers”), only a modest deviation reflecting unavoidable manufacturing variations, despite the exercise of due care, is acceptable. This standard applies to all plumage used as filling materials.

    Under current production methods, manufacturers should produce feather and down blend goods having a down content that is plus or minus two to five percent of the percentage number on the label. This deviation must reflect only the unavoidable variations of the manufacturing process; it is deceptive to intentionally produce and sell feather and down products with anything less than the claimed down content. In short, a producer may not “shoot for the tolerance.” For example, if a manufacturer produces pillows labeled “50% down, 50% waterfowl feathers,” the FTC expects all or nearly all of these pillows to be filled with 50% down and 50% waterfowl feathers. If all or a large portion of the pillows actually contain, for example, 45% down, then the pillows must be relabeled “45% down.” If a manufacturer deliberately labels the pillows with a higher percentage down content than the actual down content that the manufacturer intends to put into the product, the manufacturer is acting deceptively.

    Species

    When a label identifies a particular species (e.g., “goose down,” “duck down”), only a modest deviation reflecting unavoidable manufacturing variations, despite the exercise of due care, is acceptable. Truthful, non-deceptive disclosures of any species (waterfowl or landfowl) are acceptable.

    Cleanliness

    The US FTC pays close attention to consumer health and safety issues in product advertising and labeling. Consumers expect that feather and down products will be free of foreign matter and contaminants. How can the industry determine and convey cleanliness? One way is through the measurement of oxygen number. Because modern mass production techniques allow the industry to produce feather and down materials efficiently with oxygen numbers below 10, cleanliness of feather and down filling should be consistent with an oxygen number of less than 10, no matter how it is measured. Finished goods manufacturers and retailers may contract for feather and down material that is cleaner or otherwise superior to these minimum criteria. By doing so — and by making truthful and substantiated comparative claims in their ads they can offer consumers feather and down products that match their various preferences.

    The penalties depend on the nature of the violation. The rem

    No Shortage of Family Actvities in Ruidoso, New Mexico
    Ruidoso, New Mexico is a lot of things to many people. A ski resort, a thriving horse racing destination and, more than anything, a great place to spend time with your family. And where can you find a more fun mix of activities and events for the kids than in Southern New Mexico!Ruidoso has a wonderful assortment of activities for children of all ages. Enjoy horse back riding with four stables in town and one on the nearby Mescalero Apache Reservation. If it's fishing you're after the hot spots are at the Grindstone Dam, Mescalero Reservation and the mighty Rio Ruidoso River, stocked with plenty of good sized trout. Just be sure and have a local fishing license, easily obtainable at the local WalMart and Western Auto. If you don't catch anything there, head on past the racetrack to Seeping Springs Trout Pond. They furnish the gear, the fishin' hole and you only pay 50 cents an inch for what you catch no license required. Here's the very best part...they clean them for you! My daugther took the family and came back with 4 lovely 12+ inch trout all ready for the grill.Naturally, being in the mountains of New Mexico there's plenty of hiking and nature. The Lincoln National Forest is a start with plenty of other diverse scenery nearby. If you're after more urban pursuits, Fun Trackers Amusements in Ru
    gh, so will the information necessary for effective marketing.

    Content Labeling

    Pure... All... 100%... A product may not be called “pure down,” “all down,” “100% down” — or described by any other word or term indicating that the product contains only down — unless that’s the case. The same principle applies to feathers and other filling materials

    Unqualified “Down” Claims.

    Consider the way a consumer is likely to interpret an ad or a label that describes the product’s filling simply as “down.” It’s reasonable to assume that consumers expect down content to reflect diligent use of modern mass production techniques calibrated to make the most of both efficiency and down content. Applying those production techniques should yield down content of more than 70 percent for products labeled “down.” (Before they were rescinded, the FTC.

    Down Guides allowed the 70 percent standard. According to the FTC, the resulting 30 percent tolerance was outdated and unwarranted, and did nothing to promote truthful labeling and advertising practices.)

    Producers selling down products in Canada already must meet Canada’s 75 percent down requirement.

    Producers selling down products in Japan are able to manufacture products with as much as 90 percent down content.

    In the US - When the US FTC decided to rescind the Down Guides, it stated that this action should provide incentive for the industry to create effective standards and develop better methods of product differentiation. For example, the industry is in the best position to determine an appropriate outer limit for non-down content in a product labeled “down.” It also is in the best position to educate consumers about the meaning of the term “down” and about differentiating among down-filled products.

    Both producers and retailers might choose to move toward a standard of full and accurate disclosure, with all down-filled products labeled to show the actual percentage of down content instead of relying on the more ambiguous “down” label. Or manufacturers might choose to establish and disclose a minimum standard for the down content of their “down” products. For example: “Down — consisting of a minimum of 80 percent down and a maximum of 20 percent waterfowl feathers and down or feather fiber.”

    Manufacturers should be aware that in rescinding its Guides, the FTC did not withdraw its scrutiny from this market. Indeed, the agency will continue to monitor claims about down because there’s no way for consumers to determine accuracy for themselves. as they strive t In the meantime, it is reasonable to expect that sellers in North America will follow the Canadian minimum of 75 percent down in a product labeled “down,”o achieve the highest standard consistent with modern production techniques.

    Percentage Claims.

    When a product is labeled with a specific percentage of down (say, “50% down, 50% waterfowl feathers”), only a modest deviation reflecting unavoidable manufacturing variations, despite the exercise of due care, is acceptable. This standard applies to all plumage used as filling materials.

    Under current production methods, manufacturers should produce feather and down blend goods having a down content that is plus or minus two to five percent of the percentage number on the label. This deviation must reflect only the unavoidable variations of the manufacturing process; it is deceptive to intentionally produce and sell feather and down products with anything less than the claimed down content. In short, a producer may not “shoot for the tolerance.” For example, if a manufacturer produces pillows labeled “50% down, 50% waterfowl feathers,” the FTC expects all or nearly all of these pillows to be filled with 50% down and 50% waterfowl feathers. If all or a large portion of the pillows actually contain, for example, 45% down, then the pillows must be relabeled “45% down.” If a manufacturer deliberately labels the pillows with a higher percentage down content than the actual down content that the manufacturer intends to put into the product, the manufacturer is acting deceptively.

    Species

    When a label identifies a particular species (e.g., “goose down,” “duck down”), only a modest deviation reflecting unavoidable manufacturing variations, despite the exercise of due care, is acceptable. Truthful, non-deceptive disclosures of any species (waterfowl or landfowl) are acceptable.

    Cleanliness

    The US FTC pays close attention to consumer health and safety issues in product advertising and labeling. Consumers expect that feather and down products will be free of foreign matter and contaminants. How can the industry determine and convey cleanliness? One way is through the measurement of oxygen number. Because modern mass production techniques allow the industry to produce feather and down materials efficiently with oxygen numbers below 10, cleanliness of feather and down filling should be consistent with an oxygen number of less than 10, no matter how it is measured. Finished goods manufacturers and retailers may contract for feather and down material that is cleaner or otherwise superior to these minimum criteria. By doing so — and by making truthful and substantiated comparative claims in their ads they can offer consumers feather and down products that match their various preferences.

    The penalties depend on the nature of the violation. The rem

    Free Wedding Vows: Samples Available Online
    Free wedding vows are available on a number of websites providing wedding related information. If you don't want to do an endless search on the web to find samples to use for your own wedding, then here are a few sites you can visit immediately and read a few now.Classic Traditional Wedding VowsElegantvows.com provides five free wedding vow samples on its website. Their samples include the modern and the traditional, the religious and the non-religious. According to their site, you can use their sample vows as is. Alternatively, you can change any of them by removing the lines from one vow and replacing it with another. For a small fee, you can purchase their entire collection of twenty wedding vows.They advise you to let your minister or officiate for your wedding know about the vows you have chosen. The one who will officiate your wedding will tell you if your vows are acceptable and what must be included in the vows.Modern Contemporary Wedding VowsAnother online resource with over two dozen free wedding vows to choose from is on About.com. Just like Elegantvows.com, there are traditional and non-traditional, religious and secular versions. However, the About.com samples are shorter in length.About.com also provides tips on how to personalize your vows. You c
    cers and retailers might choose to move toward a standard of full and accurate disclosure, with all down-filled products labeled to show the actual percentage of down content instead of relying on the more ambiguous “down” label. Or manufacturers might choose to establish and disclose a minimum standard for the down content of their “down” products. For example: “Down — consisting of a minimum of 80 percent down and a maximum of 20 percent waterfowl feathers and down or feather fiber.”

    Manufacturers should be aware that in rescinding its Guides, the FTC did not withdraw its scrutiny from this market. Indeed, the agency will continue to monitor claims about down because there’s no way for consumers to determine accuracy for themselves. as they strive t In the meantime, it is reasonable to expect that sellers in North America will follow the Canadian minimum of 75 percent down in a product labeled “down,”o achieve the highest standard consistent with modern production techniques.

    Percentage Claims.

    When a product is labeled with a specific percentage of down (say, “50% down, 50% waterfowl feathers”), only a modest deviation reflecting unavoidable manufacturing variations, despite the exercise of due care, is acceptable. This standard applies to all plumage used as filling materials.

    Under current production methods, manufacturers should produce feather and down blend goods having a down content that is plus or minus two to five percent of the percentage number on the label. This deviation must reflect only the unavoidable variations of the manufacturing process; it is deceptive to intentionally produce and sell feather and down products with anything less than the claimed down content. In short, a producer may not “shoot for the tolerance.” For example, if a manufacturer produces pillows labeled “50% down, 50% waterfowl feathers,” the FTC expects all or nearly all of these pillows to be filled with 50% down and 50% waterfowl feathers. If all or a large portion of the pillows actually contain, for example, 45% down, then the pillows must be relabeled “45% down.” If a manufacturer deliberately labels the pillows with a higher percentage down content than the actual down content that the manufacturer intends to put into the product, the manufacturer is acting deceptively.

    Species

    When a label identifies a particular species (e.g., “goose down,” “duck down”), only a modest deviation reflecting unavoidable manufacturing variations, despite the exercise of due care, is acceptable. Truthful, non-deceptive disclosures of any species (waterfowl or landfowl) are acceptable.

    Cleanliness

    The US FTC pays close attention to consumer health and safety issues in product advertising and labeling. Consumers expect that feather and down products will be free of foreign matter and contaminants. How can the industry determine and convey cleanliness? One way is through the measurement of oxygen number. Because modern mass production techniques allow the industry to produce feather and down materials efficiently with oxygen numbers below 10, cleanliness of feather and down filling should be consistent with an oxygen number of less than 10, no matter how it is measured. Finished goods manufacturers and retailers may contract for feather and down material that is cleaner or otherwise superior to these minimum criteria. By doing so — and by making truthful and substantiated comparative claims in their ads they can offer consumers feather and down products that match their various preferences.

    The penalties depend on the nature of the violation. The rem

    Online Article Submission Sites; Quantity VS. Quality
    Lately there is a lot of debate in the Internet Online Article Free Submission Site Blogs on issues of Quality and Quantity. Many believe that when an author posts over 300 or more articles that their quantity slacks off and thus they sacrifice quality. Indeed this is an interesting comment although when you ask someone what is more important to them; Quality or Quantity, you get a variety of answers and rational for each possible answer. Indeed the smartest humans will simply say when asked; “what is more important Quality or Quantity?” Both.Fortunately or unfortunately depending on how you view this debate; I am the all-time leader in online article submissions on the Internet in 2005 and 2006. Now then, I would like to make a comment on this and wish to not be labeled arrogant in doing so. Although also realize that there will be folks to attempt to use such labels anyway. My comment is that; I really believe in writing articles, which are indeed factually worthy for the reader and I have written many such articles. Unfortunately in actual observation and test marketing in my own articles I have found that the articles that are read the most have titles which include words such as; sex, skinny, rich, wealth, hair, clothes, style, gadget, electronics, etc.This is disconcerting to those who wish
    ufacturer produces pillows labeled “50% down, 50% waterfowl feathers,” the FTC expects all or nearly all of these pillows to be filled with 50% down and 50% waterfowl feathers. If all or a large portion of the pillows actually contain, for example, 45% down, then the pillows must be relabeled “45% down.” If a manufacturer deliberately labels the pillows with a higher percentage down content than the actual down content that the manufacturer intends to put into the product, the manufacturer is acting deceptively.

    Species

    When a label identifies a particular species (e.g., “goose down,” “duck down”), only a modest deviation reflecting unavoidable manufacturing variations, despite the exercise of due care, is acceptable. Truthful, non-deceptive disclosures of any species (waterfowl or landfowl) are acceptable.

    Cleanliness

    The US FTC pays close attention to consumer health and safety issues in product advertising and labeling. Consumers expect that feather and down products will be free of foreign matter and contaminants. How can the industry determine and convey cleanliness? One way is through the measurement of oxygen number. Because modern mass production techniques allow the industry to produce feather and down materials efficiently with oxygen numbers below 10, cleanliness of feather and down filling should be consistent with an oxygen number of less than 10, no matter how it is measured. Finished goods manufacturers and retailers may contract for feather and down material that is cleaner or otherwise superior to these minimum criteria. By doing so — and by making truthful and substantiated comparative claims in their ads they can offer consumers feather and down products that match their various preferences.

    The penalties depend on the nature of the violation. The remedies that the FTC or the courts have imposed include: Cease and desist orders: These legally-binding orders require companies to: 1. stop running the deceptive ad or engaging in the deceptive practice, 2. be able to substantiate claims in future ads, and 3 report to FTC staff about the substantiation they have for claims in new ads. Violations of cease and desist orders can result in civil penalties of up to $11,000 per violation.

    Civil penalties: Sometimes, a company that is not subject to a cease and desist order can be bound by an earlier Commission finding (in a case brought against another company) that a certain practice is deceptive and assessed civil penalties for knowingly engaging in the deception. This can happen when a “synopsis” of Commission decisions in a particular area is prepared and served on industry members. Prior Commission decisions about the labeling and advertising of down-filled products have been compiled into a synopsis that was served on many members of the industry

    Consumer redress and other monetary remedies: Other advertisers have had to give full or partial refunds to all consumers who bought the product. Sellers may also be required to point a notice on their website pointing out their earlier misstatements

    “The Best Consumer Is An Informed Consumer”

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