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Techniques of an Identity Thief

 

Shiva Brent Sharma, who is serving a two- to four-year prison term, describes the techniques he used as an online identity thief.

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Nicholas is Kid of the Month

 

 

  Health care costs are higher than ever. According to the National Coalition on Health Care, US health care spending is projected to reach $2.9 trillion in 2009. Protect your family with health insurance YOU can afford - get a free quote today!

 

The Milk Gap

 

 

The Times's Jodi Kantor looks at the class divide for nursing mothers in the workplace.

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Consumer: top stories
 

 

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Volunteer Legal Services Program

of The Bar Association of San Francisco

Sources by Amanda Bach

 

FREE LEGAL HELP

 

Do you have a problem that may require an attorney?

 

Visit the FREE Legal Advice and Referral Clinic (LARC) in San Francisco. If you have any questions, or would like more information, please call (415) 982-1600.

 

Volunteer Legal Services Program of The Bar Association of San Francisco

 

CONTACT INFO:

www.sfbar.org/volunteer/index.aspx

www.sfbar.org/vlsp

www.probono.net/bayarea

Email: vlsp@sfbar.org

465 California Street, Suite 1100

San Francisco, CA 94104

Phone: 415.982.1600

 

Every year the Volunteer Legal Services Program (VLSP) serves thousands of people in desperate need of legal help. They've provided this help with the assistance of volunteers throughout the Bay Area for nearly 30 years.

 

Their award-winning program changes lives by using a holistic approach that offers social services as well as legal assistance.

 

The Volunteer Legal Service Program Story

 

Founded by The Bar Association of San Francisco in 1977, VLSP is a nonprofit provider of free legal and social services to low income individuals and families. It began as a small pro bono project under the leadership of its then President James Brosnahan, a partner at Morrison & Foerster.

 

In 2004, under the direction of VLSP Director, Tanya Neiman, the program served thousands of low-income people in San Francisco.

 

A Few Facts

 

We are one of the nation's premiere providers of pro bono legal services

We are the largest legal services provider in San Francisco

We serve nearly 20,000 clients each year together with BASF's Lawyer Referral and Information Service (LRIS)

Our program is award winning and nationally recognized

We integrate legal and social services in order to address the full spectrum of issues facing our clients

Our goal is to achieve life-changing results

Our volunteers contribute close to ten million dollars in pro bono hours per year.

 

They provide FREE Legal and Professional Services

 

Family Law Project

 

Assist individuals, families with children or families with domestic violence in matters including marital dissolutions, child custody, child support, restraining orders, guardianships, conservatorships, wills, powers of attorney and probate litigation.

 

Did you know...

 

With 62 new volunteers last year, 328 family law clients received help through VLSP. Of those, 286 families received help for domestic violence.

 

Eviction Defense Project

 

Assist individuals and families with children facing eviction from their homes.

 

Did you know...

 

There is not a single American city or rural county where a household with one full-time minimum wage earner can afford a modest one-bedroom apartment.

 

There are 26,132 households on the SFHA waiting list for Section 8 vouchers. The list is likely to be closed for eight to ten years.

 

Only 27% of Californians can afford to purchase their own home. One quarter of California's renter households spend more than 50% of their income on shelter.

 

Courthouse Landlord/Tenant Project: Attorney of the Day

 

Provides limited scope representation to un-represented litigants in their mandatory unlawful detainer settlement conference in San Francisco Superior Court.

Community Organization Representation Project (CORP)

 

Assist nonprofit community-based organizations in a range of transactional business law matters.

 

Did you know...

 

Two hundred fifteen (215) volunteer attorneys assisted over 186 organizations volunteering 4,833 hours valued at over 1.6 million dollars.

 

Homeless Advocacy Project (HAP)

 

Assist individuals or families who are homeless or at serious risk of becoming homeless. HAP also hosts a Summer Associate in Public Service Program, a collaboration between BASF's Barrister's Club Pro Bono Issues Committee, HAP and participating San Francisco law firms.

 

Did you know...

 

Between 8,500 - 15,000 people are homeless on any given night in San Francisco.

 

There are more than 4,000 homeless youth in San Francisco each year.

 

Nearly a quarter of homeless people are employed, but still can't afford a place to live.

 

Consumer Project

 

Assist individuals and families in a variety of consumer matters, including collection defense, credit card discrepancies, bankruptcy, home equity fraud, lemon law and automobile repossessions, consumer fraud and scams, and contract disputes. The Consumer Project also holds a monthly Bankruptcy Clinic, which is an informational session on personal bankruptcy, followed by a brief consultation with an experienced attorney.

 

Did you know...

 

California has no limit on what credit card companies can charge for interest rates.

 

In the United States today, the average family carries $8,100 in credit card debt. If they pay the minimum very month, at an interest rate of 18%, it'll take them 53 years to pay that debt off.

 

Tort Defense Project

 

Assist individuals and families in a variety of tort defense matters.

 

Did you know...

 

VLSP helps low-income people who are being sued.

 

Low-income people are often victims of predatory litigants.

 

Legal Advice and Referral Clinic (LARC)

 

Assist the general public at a free monthly walk-in clinic at the San Francisco Public Library's Main Branch or in the Bayview/Hunters Point District that provides clients with brief legal advice and referrals.

 

Recent comments from LARC clients...

 

“I appreciate people being here on a Saturday to help others.”

 

“Me parece bien y el personal muy amable.”

 

“Excellent! My attorney gave me an extremely clear map of my legal options and rights.”

 

Interpreter Project

 

Assist non-English speaking clients in communicating with their attorneys

 

Did you know...

 

Fifty percent of our clients are monolingual.

 

Forty percent of Californians speak a language other than English at home.

 

Language access to legal help is a civil right.

 

Family Law Assisted Self-Help (FLASH) Project

 

Assist individuals representing themselves in family law proceedings in preparing and filing court forms.

 

Did you know...

 

Each year, FLASH assists several hundred San Francisco residents in filing their dissolution papers and getting divorced.

 

California reports in 2001 that over 50% of the filings in custody and visitation are by pro se litigants.

 

Urban courts report that approximately 80% of the new divorce filings are filed pro se.

 

Fifty-seven percent of people choose to be pro se litigants because they could not afford a lawyer.

 

Social Services Project

 

Assist clients in any of VLSP's project or clinics with social services.

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9 Cash-Saving Tips That Pay Big Bucks

complaintsboard.com

The expression "a penny saved is a penny earned" doesn't cut it these days. But saving a few dollars here and there can add up...

read more...



Try out these Thanksgiving recipes from tasteofhome

You May Have Too Much Debt But You Also Have Options

How Life Works

If you feel like you're in over your head with personal debt, you're not alone. Millions of Americans have become overextended, many as a result of easy credit and the recessions. Credit cards, medical bills, personal loans and raising interest rates do not make a good financial mix.

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Suze Orman's Recession Rescue Plan - helps you survive in times of financial crisis

OPRAH.com

Do you know what your family would do if you lost your job - or worse, your home? Financial expert Suze Orman is ready to help you devise a recession rescue plan to survive - and possibly thrive - during this deepening financial crisis...

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Could fat babies mean fat toddlers?

A new study from Harvard Medical School found that babies who gained weight quickly had a sharply higher risk of obesity. The study followed close to 600 babies and found those in the top quarter of weight for their length at 6 months had a 40 percent higher risk of obesity by age 3 than smaller babies.

read more...

The 10-Ingredient Shopping Trip

By Tara Parker-Pope and Mark Bittman

... In his latest “How to Cook Everything” segment on the Today Show, New York Times food writer Mark Bittman makes it surprisingly easy to cook a week’s worth of dinners with just a 10-ingredient shopping trip.

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Finding last-minute tuition money

There's still time to find funds for this semester's college tuition. But you'll have to move quickly.

By Gerri Willis

It's only a couple of weeks or even days until school begins. And if you don't think you'll be able to get a handle on your college tuition bill, here with your guide to last minute money.

read more...

Short-term Payday Loans

econ4u.org

...Which are more expensive, late fees or short-term loans?...
A short-term payday loan can be a better option than overdraft fees, reconnect fees, late payment fees or a damaged credit rating when the loan is repaid promptly. However, these loans are not suited for longer repayment periods... Being realistic about budgeting can help avoid the need for short-term borrowing.

read more...

Your Just-in-Case Emergency Plan

by RealSimple

Who do you call if you can't make it home in time to meet the kids' bus? Who do you trust to take in your mail when you're on vacation? Who do you trust with the extra set of keys to your house?

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How to save $10,000 in 2009

By Liz Pulliam Weston

If you were hoping for a list of small tweaks you could make in your spending to save $10,000 a year, sorry. The reality is that $10,000 is a lot of money. And saving big money usually means making big changes in the areas where we spend the most, such as: Housing, Transportation, Food.

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The Super, Sexy, Single Mom on a Budget

by Renee Rayles

A quick reference guide designed for the busy, single mom who has

little time to read while running the mom taxi, cooking dinner, helping with homework, and trying to fit in a date night every now and then.



32 and Counting? Finding Your Happily Ever After Today

by Gi Gi

The author talks about the struggles a single mom goes through and the discovery that you can have HEAT (Happily Ever After Today) just as you are, being single, taking care of your kids...

read more...

Single Mothers &
Male Role-Models / Mentors

Single mothers carry an enormous load of responsibility, especially those having sole and/or primary custody of minor children. They nourish, they nurture, they teach, they discipline, they shelter, they protect, and they provide… all without the assistance of another equally-invested adult.

read more...


Your 5-minute guide to protecting your identity

 

20 steps to protect yourself from identity theft, and seven ways to clean up things if you become a victim.

read more...

TheOnlineMom.com offers parents and consumers a guide to the top-rated, age-appropriate, kid-tested and parent-approved tech toys and gifts.

read more...

Diary of a Wimpy Kid: The Last Straw
by Jeff Kinney

For those wondering why tween boys don’t read very much, the answer is that more books aren’t like this...

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Visits Don't Always Lead to Adoption

 

 

Programs that allow children available for adoption to visit American families often lead to happily-ever-after, but sometimes end painfully.

read more...

 

  Get Matched to an Online School

 

Taking Prescriptions on the Road

 

 

It is not required to carry copies of your prescriptions with you when you travel, but business travel columnist Joe Sharkey says it might not be a bad idea.

read more...

 

On the Job, Nursing Mothers Find a 2-Class System

 

 

When a new mother returns to Starbucks’ corporate headquarters in Seattle after maternity leave, she learns what is behind the doors mysteriously marked “Lactation Room.”

 

Whenever she likes, she can slip away from her desk and behind those doors, sit in a plush recliner and behind curtains, and leaf through InStyle magazine as she holds a company-supplied pump to her chest, depositing her breast milk in bottles to be toted home later.

 

But if the mothers who staff the chain’s counters want to do the same, they must barricade themselves in small restrooms intended for customers, counting the minutes left in their breaks.

 

“Breast milk is supposed to be the best milk, I read it constantly when I was pregnant,” said Brittany Moore, who works at a Starbucks in Manhattan and feeds her 9-month old daughter formula. “I felt bad, I want the best for my child,” she said. “None of the moms here that I know actually breast-feed.”

 

Doctors firmly believe that breast milk is something of a magic elixir for babies, sharply reducing the rate of infection, and quite possibly reducing the risk of allergies, obesity, and chronic disease later in life.

read more...

 

 

 

 

 

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