Payday Loans That Don't Require Direct Deposit

To contact us Click HERE
"Where can I borrow without a checking account and no credit?" Most of the time, we tend to think that if you do not have a bank checking account, it is impossible for you to get a guaranteed loan anywhere. Understandably, most of the fast payday loan lenders require customers to have a checking account with direct deposit as it makes it easy for them to debit their customer's accounts for monies owed to them. However, if you need to borrow money and have bad credit and no checking account, it is possible to find instant payday loans that don't require direct deposit. 

Trends have changed and there are unsecured personal loans for people without a bank account as well as short term cash advance loans with no bank statement needed. Nowadays, online payday personal loan lenders with no direct deposit requirements only require you to have a savings account or debit card. For people who need a quick loan but have no bank checking account, this will come as a much needed solution.

You can search for online signature loans with no bank account needed. Over the Internet, you would be able to find some loan comparison websites which help you to find out who has the lowest cost payday loan that don't require direct deposit which you can apply for a 12 month personal loan without a bank checking account.  However, do check to see if it is a reputable loan lender you are dealing with. BBB-approved loan lenders with no credit check are regulated and they adhere to strict government laws on consumer loans so they provide more security and also provide an avenue for legal recourse if there is any dispute in the future.

No faxing payday loans that don't need a checking account can also be made available through peer lending websites like Prosper, which helps to match small-individual lenders with borrowers with less bureaucracy. A Prosper alternative is LendingClub or Zopa from the UK. As always, do your due diligence first to find online personal loans with no direct deposit requirement. Good luck.

Selected reports and information published by New York State's Comptroller Thomas P. DiNapoli

To contact us Click HERE

Selected reports and information published by NewYork State's Comptroller Thomas P. DiNapoliIssued during the week ending November16, 2012 [Click on the caption to access the full report]
Department of Health, Improper PaymentsRelated to the Medicare Buy-In Program (2010-S-76)
From March 2006 through February 2011, Medicaid made nearly 260,000 improperpayments, totaling about $26.8 million, for people enrolled in the Medicarebuy-in program. The improper payments included $21.1 million in Medicarepremiums for people who were ineligible for the buy-in program. This included improperpayments of $1.9 for 532 people who were deceased. The improper paymentsresulted from insufficient DOH oversight, poor local district practices, andweaknesses in certain Medicaid claims processing controls. Auditors recommendedDOH increase oversight of local districts, recover inappropriate Medicarebuy-in payments, and improve the Medicaid claims processing system to ensureaccurate payment of medical claims for individuals eligible for the buy-inprogram.
 
Division of Housing and Community Renewal,Quality of Internal Control Certification (2012-S-31)
In 1987, the Legislature passed the New York State Governmental Accountability,Audit and Internal Control Act requiring State agencies and public authoritiesto institute a comprehensive system of internal controls over their operations.By April 30 each year, DOB requires each covered agency to certify compliancewith the act. On April 26, 2011, DHCR submitted its annual Internal ControlCertification and reported full compliance with all provisions of the Act.DHCR's internal control certification was submitted timely. However, auditorsidentified several areas where the quality of the certification and/or theactual internal control program could be improved.

Office of Mental Health, Quality of InternalControl Certification (2012-S43) See 2012-S-31 above for description of requirements
OMH's Internal Control Certification was submitted on time and generallyexhibited the necessary quality. Answers to most questions were complete andresponsive, and were supported by records and documents maintained by theagency. However, OMH's certification did not provide sufficient detail indescribing the results of its reviews of high-risk activities.

Office of Parks, Recreation and HistoricPreservation, Quality of Internal Control Certification (2012-S-49) See 2012-S-31 above for description ofrequirements
On June 25, 2012, Parks submitted itsannual Internal Control Certification and reported full compliance with allprovisions of the Act. Parks’ Internal Control Certification was submitted, 56days after the April 30 deadline.  Parks’ certification did not providethe required level of detail, did not support some statements with sufficientdocumentation, and was unable to provide evidence of the communication of theInternal Control Officer designee to all staff. The office has not yetcompleted a program of internal control review and its internal audit functionhas not undergone an external quality assessment as required by professionalstandards.

Department of Health Overpayments forHospital Readmissions (Follow-Up) (2012-F-11)
An initial audit report examinedwhether the Department of Health (DOH) overpaid hospitals when the hospitalsreadmitted patients they had recently discharged. The audit identifiedoverpayments totaling nearly $163,000 from a review of a judgmental sample ofclaims from five hospitals. The hospitals have already refunded theoverpayments to Medicaid. The audit also identified four other hospitals withquestionable claims. In a follow-up report, auditors found DOH officials havemade progress in correcting the problems identified in the initial report. Ofthe five prior audit recommendations, three have been implemented, one has beenpartially implemented, and one is no longer applicable.

Thoroughbred Breeding and Development Fund,Selected Operating Practices (2011-S-36)
The fund has been receiving the statutorycommissions due from the tracks, OTBs, and VLT operators. However, whileassessing the statutory commission rates due the fund, we found that the NewYork Racing Association (NYRA) had shortchanged winning bettors byapproximately $7.4 million between Sept. 15, 2010 and Dec. 21, 2011. Thishappened because NYRA was not complying with statutory retainage rates onexotic bets. As a result of our finding, which was identified in December 2011,an investigation was conducted by the NYS Racing and Wagering Board which ledto the firing of NYRA’s president/CEO and its senior vice president/generalcounsel.  Auditors found the fund improperly underreported statutorilylimited administrative expenses and promotional expenses by $399,908 forcalendar years 2009 and 2010.

Selected reports and information published by New York State's Comptroller Thomas P. DiNapoli

To contact us Click HERE

Selected reports and information published by New York State's Comptroller Thomas P. DiNapoliFor the week of November 12 - 18, 2012 [Click on the caption to access the full report] DiNapoli: Improvements Needed At Saratoga Housing Authority Auditors found lax spending controls at the Saratoga Housing Authority, according to an audit released Friday by State Comptroller Thomas P. DiNapoli. DiNapoli: Schenectady’s Fiscal Condition Improving The City of Schenectady faces an unstable financial future, but increased economic development and better long–term financial planning point to signs of progress, according to an audit issued Tuesday by State Comptroller Thomas P. DiNapoli. DiNapoli: Dunkirk Mishandled Federal HUD Grant Funding The City of Dunkirk spent more than $1 million from the U.S. Department of Housing and Urban Development’s (HUD) Community Development Block Grant program on unauthorized or questionable activities, according to an audit issued Tuesday by State Comptroller Thomas P. DiNapoli. The findings have been referred to HUD for further review. Comptroller DiNapoli Releases Audits New York State Comptroller Thomas P. DiNapoli last Friday announced his office completed the following audits:  Department of Health;  Division of Housing and Community Renewal;  Office of Mental Health,  Quality of Internal Control Certification;  Office of Parks, Recreation and Historic Preservation;  Department of Health Overpayments for Hospital Readmissions; and,  Thoroughbred Breeding and Development Fund. Hurricane Sandy Relief Efforts Comptroller Thomas P. DiNapoli and volunteers from the Comptroller’s Office, along with family and friends, will deliver a semi–trailer truckload of supplies to residents of Long Beach at 1 p.m. Saturday, November 17, at the Long Beach Ice Arena as part of the Comptroller’s Office’s Hurricane Sandy relief campaign. The Comptroller and staff volunteers will unload the truck and assist the relief center with sorting and distribution of the household and cleaning supplies. The Comptroller’s Office continues to work with our partners in government to expedite the approval of all storm related contracts and expenditures. Additional items:

Saratoga Springs Housing Authority criticized in audit Comptroller’s Audit Finds Problems In Dunkirk NY Thruway toll hike on hold

Challenging the employee's dismissal during his or her probationary period

To contact us Click HERE
Challenging the employee's dismissal during his or her probationary period

Supreme Court dismissed a former probationary employee’spetition seeking to annul his termination from his position, the revocation ofhis New York City Department of Education [DOE] teaching certification, hisplacement of his name on the DOE's Ineligible/Inquiry list,* and his overall unsatisfactory rating for the2010-2011 school year.
The Appellate Division sustained the lower court’s actions,explaining that the probationer had failed to establish that his termination,the revocation of his teaching certificate and his placement on the DOE'sineligible/inquiry list, was done in bad faith.
Addressing the individual’s allegation of bad faith, thecourt noted therecord contained evidence of good faith on DOE’s part. For example, said theAppellate Division, the school principal’s "intention was not to terminate [the] petitioner's employment but to extend his probation for an additional year."
In addition, said the court, the record contained evidence ofdeficiencies in individual's performance during the probationary period.
As to the individual’s challenge to the revocation of histeaching certification and the placement of his name on the ineligible/inquirylist, the Appellate Division ruled that those challenges were not untimely butthat Supreme Court had correctly sustained those administrative determinations.
Finally the Appellate Division pointed out that the lower court had correctly dismissed the individual’s challenge to his “U-rating” as it was prematurebecause he had not yet exhausted his administrative remedies.
*Placing an individual’s name on the "Ineligible/Inquiry" listmaintained by the New York Department of Education bars that individual fromemployment at any DOE school while his or her name remains on such list[McPherson v. New York City Dep't of Education, 457 F.3d 211].
The decision is posted on the Internet at:http://www.courts.state.ny.us/reporter/3dseries/2012/2012_07888.htm

Challenging the employee's dismissal during his or her probationary period

To contact us Click HERE
Challenging the employee's dismissal during his or her probationary period

Supreme Court dismissed a former probationary employee’spetition seeking to annul his termination from his position, the revocation ofhis New York City Department of Education [DOE] teaching certification, hisplacement of his name on the DOE's Ineligible/Inquiry list,* and his overall unsatisfactory rating for the2010-2011 school year.
The Appellate Division sustained the lower court’s actions,explaining that the probationer had failed to establish that his termination,the revocation of his teaching certificate and his placement on the DOE'sineligible/inquiry list, was done in bad faith.
Addressing the individual’s allegation of bad faith, thecourt noted therecord contained evidence of good faith on DOE’s part. For example, said theAppellate Division, the school principal’s "intention was not to terminate [the] petitioner's employment but to extend his probation for an additional year."
In addition, said the court, the record contained evidence ofdeficiencies in individual's performance during the probationary period.
As to the individual’s challenge to the revocation of histeaching certification and the placement of his name on the ineligible/inquirylist, the Appellate Division ruled that those challenges were not untimely butthat Supreme Court had correctly sustained those administrative determinations.
Finally the Appellate Division pointed out that the lower court had correctly dismissed the individual’s challenge to his “U-rating” as it was prematurebecause he had not yet exhausted his administrative remedies.
*Placing an individual’s name on the "Ineligible/Inquiry" listmaintained by the New York Department of Education bars that individual fromemployment at any DOE school while his or her name remains on such list[McPherson v. New York City Dep't of Education, 457 F.3d 211].
The decision is posted on the Internet at:http://www.courts.state.ny.us/reporter/3dseries/2012/2012_07888.htm

Failure to correctly identify the court and the name of the judge signing a search warrant a fatal defect

To contact us Click HERE

Failure to correctly identify the court and the name ofthe judge signing a search warrant a fatal defectPeople v Gavazzi, 2012 NY Slip Op 08054, Court of Appeals
This LawBlog’s summary of Gusler v. City of Long Beach, USCA,Docket #11-4493-cv [see http://publicpersonnellaw.blogspot.com/2012/11/the-failure-to-name-parties-appealing.html]noted that the U.S. Court of Appeals, Second Circuit, ruled that the failure tocorrectly name the parties appealing a federal district court’s ruling was afatal jurisdictional defect.
In People v Gavazzi the defects challenged by Gavazziinvolved the name of the jurisdiction, the name of the court and the name of the justice signing a searchwarrant.
The Court of Appeals, Justice Smith dissenting, held that awarrant to search Gavazzi’s residence in the Village of Greene, Chenango County, was defective as the result of the inadvertent typing of "Local CriminalCourt, Town of Broome, Broome County" at the head of the warrant insteadof "Local Criminal Court, Town of Greene, Chenango County." There isno municipality of Broome in either Broome County or Chenango County and theVillage Justice signed the warrant without correcting the error.
Further, said the court, the Justice’s signature on a linemarked "Signature of Judge or Justice” was illegible.
The Appellate Division had held that the warrant did not substantially complywith §690.45(1)* of the Criminal Procedure Lawbecause it contained "no information from which the issuing court can bediscerned" (see 84 AD3d 1427 at 1429). The Court of Appeals agreed withthe Appellate Division's analysis, explaining that a search warrant must contain"[t]he name of the issuing court," again citing CPL §690.45 [1]).** Here, however, the Village Justice who signed the warrantincluded no designation of his court, his signature was illegible, there is noseal, and the caption referred to a nonexistent town.
In the words of the Appellate Division, "on its facethe warrant appears to [have been] issued by an unidentified judge in anonexistent court and town in a different county", concluding that thewarrant did not substantially comply with CPL §690.45(1).

The bottom line: evidence sized under color ofthe warrant had to be suppressed.
* §690.45, in pertinent part,provides that “A search warrant must contain: 1. The name of the issuing courtand, except where the search warrant has been obtained on an oral application, thesubscription of the issuing judge;"
** The Court of Appeals notedthat standard for adherence to the statutory requirement is "substantial —rather than literal — compliance."
The decision is posted on the Internet at:http://www.courts.state.ny.us/reporter/3dseries/2012/2012_08054.htm

E-mails between a public employer and an applicant for public employment may be subject to disclosure pursuant to the Freedom of Information Law

To contact us Click HERE

E-mails between a public employer and an applicant forpublic employment may be subject to disclosure pursuant to the Freedom ofInformation Law
Hernandez v Office of the Mayor of the City of New York, 2012 NY Slip Op08067, Appellate Division, First Department
Sergio Hernandez filed an Article 78 petition seeking acourt order annulling the determination of the Office of the Mayor of the Cityof New York denying his requests under the Freedom of Information Law (FOIL)for certain e-mails sent from or “received by any government email accountsassigned to the Office of the Mayor to or from Cathleen Black, at the time shewas a nominee for the position of New York City School Chancellor” and certainother records.
Supreme Court directed the City to produce redacted copiesof such e-mails, which as the Appellate Division subsequently noted, were not exemptfrom disclosure as inter- or intra-agency materials within the meaning ofPublic Officers Law §89[2][g].
The City appealed the court’s order.
The Appellate Division sustained the lower court’s ruling,explaining that Black was not an agent of the City since she had not yet beenretained as Chancellor. In addition, said the court, Black was not actingsimply as an outside consultant on behalf of the City, but was a privatecitizen with interests that may have diverged from those of the City.
The decision is posted on the Internet at:http://www.courts.state.ny.us/reporter/3dseries/2012/2012_08067.htm

Newspaper reports admitted into evidence in an administrative disciplinary proceeding

To contact us Click HERE

Newspaper reports admitted into evidence in anadministrative disciplinary proceeding
2012 NY Slip Op 07479, Appellate Division, Fourth Department
A volunteer firefighter filed an Article 78 petitionchallenging the Volunteer Fire Company’s decision,  to expel him from membership in the Fire Company following a hearing held pursuant to General Municipal Law §207-l.
The petitioner contended that the Fire Company had violated§160.50 of the Criminal Procedure Law, which provides for the “sealing” ofcertain record, when the Company admitted into evidence media reports relatedto the petitioner's arrests or when it presented the testimony of a policeinvestigator who was involved in the relevant criminal investigations.
As to newspaper media reports concerning petitioner'sarrests, the Appellate Division, citing New York State Dept. of MentalHygiene v State Div. of Human Rights, 103 AD2d 546, 549, affd 66NY2d 752, said that such newspaper reports are not "official records andpapers . . . relating to [the petitioner's] arrest or prosecution" withinthe meaning of CPL §160.50(1)(c). Further, said the court, it is "permissible to consider the independent evidence of the conduct [of thepetitioner] leading to the criminal charges."
As to the testimony of the police investigator, the courtexplained that the police investigator was "free to testify frommemory" concerning the conduct that led to the petitioner's arrests.”
The Appellate Division then stated there was substantialevidence establishing that the petitioner had exhibited a lack of "goodmoral character" in violation of Article II, §2 of the Fire Company'sConstitution and By-laws and had committed misconduct under General MunicipalLaw §209-l".
N.B. §209-l provides for the removal of volunteer officers andvolunteer members of fire departments charged with, and found guilty of,misconduct or incompetence after a hearing.
The decision is posted on the Internet at:http://www.courts.state.ny.us/reporter/3dseries/2012/2012_07479.htm

Payday Loans That Don't Require Direct Deposit

To contact us Click HERE
"Where can I borrow without a checking account and no credit?" Most of the time, we tend to think that if you do not have a bank checking account, it is impossible for you to get a guaranteed loan anywhere. Understandably, most of the fast payday loan lenders require customers to have a checking account with direct deposit as it makes it easy for them to debit their customer's accounts for monies owed to them. However, if you need to borrow money and have bad credit and no checking account, it is possible to find instant payday loans that don't require direct deposit. 

Trends have changed and there are unsecured personal loans for people without a bank account as well as short term cash advance loans with no bank statement needed. Nowadays, online payday personal loan lenders with no direct deposit requirements only require you to have a savings account or debit card. For people who need a quick loan but have no bank checking account, this will come as a much needed solution.

You can search for online signature loans with no bank account needed. Over the Internet, you would be able to find some loan comparison websites which help you to find out who has the lowest cost payday loan that don't require direct deposit which you can apply for a 12 month personal loan without a bank checking account.  However, do check to see if it is a reputable loan lender you are dealing with. BBB-approved loan lenders with no credit check are regulated and they adhere to strict government laws on consumer loans so they provide more security and also provide an avenue for legal recourse if there is any dispute in the future.

No faxing payday loans that don't need a checking account can also be made available through peer lending websites like Prosper, which helps to match small-individual lenders with borrowers with less bureaucracy. A Prosper alternative is LendingClub or Zopa from the UK. As always, do your due diligence first to find online personal loans with no direct deposit requirement. Good luck.

Selected reports and information published by New York State's Comptroller Thomas P. DiNapoli

To contact us Click HERE

Selected reports and information published by New York State's Comptroller Thomas P. DiNapoliFor the week of November 12 - 18, 2012 [Click on the caption to access the full report] DiNapoli: Improvements Needed At Saratoga Housing Authority Auditors found lax spending controls at the Saratoga Housing Authority, according to an audit released Friday by State Comptroller Thomas P. DiNapoli. DiNapoli: Schenectady’s Fiscal Condition Improving The City of Schenectady faces an unstable financial future, but increased economic development and better long–term financial planning point to signs of progress, according to an audit issued Tuesday by State Comptroller Thomas P. DiNapoli. DiNapoli: Dunkirk Mishandled Federal HUD Grant Funding The City of Dunkirk spent more than $1 million from the U.S. Department of Housing and Urban Development’s (HUD) Community Development Block Grant program on unauthorized or questionable activities, according to an audit issued Tuesday by State Comptroller Thomas P. DiNapoli. The findings have been referred to HUD for further review. Comptroller DiNapoli Releases Audits New York State Comptroller Thomas P. DiNapoli last Friday announced his office completed the following audits:  Department of Health;  Division of Housing and Community Renewal;  Office of Mental Health,  Quality of Internal Control Certification;  Office of Parks, Recreation and Historic Preservation;  Department of Health Overpayments for Hospital Readmissions; and,  Thoroughbred Breeding and Development Fund. Hurricane Sandy Relief Efforts Comptroller Thomas P. DiNapoli and volunteers from the Comptroller’s Office, along with family and friends, will deliver a semi–trailer truckload of supplies to residents of Long Beach at 1 p.m. Saturday, November 17, at the Long Beach Ice Arena as part of the Comptroller’s Office’s Hurricane Sandy relief campaign. The Comptroller and staff volunteers will unload the truck and assist the relief center with sorting and distribution of the household and cleaning supplies. The Comptroller’s Office continues to work with our partners in government to expedite the approval of all storm related contracts and expenditures. Additional items:

Saratoga Springs Housing Authority criticized in audit Comptroller’s Audit Finds Problems In Dunkirk NY Thruway toll hike on hold

Challenging the employee's dismissal during his or her probationary period

To contact us Click HERE
Challenging the employee's dismissal during his or her probationary period

Supreme Court dismissed a former probationary employee’spetition seeking to annul his termination from his position, the revocation ofhis New York City Department of Education [DOE] teaching certification, hisplacement of his name on the DOE's Ineligible/Inquiry list,* and his overall unsatisfactory rating for the2010-2011 school year.
The Appellate Division sustained the lower court’s actions,explaining that the probationer had failed to establish that his termination,the revocation of his teaching certificate and his placement on the DOE'sineligible/inquiry list, was done in bad faith.
Addressing the individual’s allegation of bad faith, thecourt noted therecord contained evidence of good faith on DOE’s part. For example, said theAppellate Division, the school principal’s "intention was not to terminate [the] petitioner's employment but to extend his probation for an additional year."
In addition, said the court, the record contained evidence ofdeficiencies in individual's performance during the probationary period.
As to the individual’s challenge to the revocation of histeaching certification and the placement of his name on the ineligible/inquirylist, the Appellate Division ruled that those challenges were not untimely butthat Supreme Court had correctly sustained those administrative determinations.
Finally the Appellate Division pointed out that the lower court had correctly dismissed the individual’s challenge to his “U-rating” as it was prematurebecause he had not yet exhausted his administrative remedies.
*Placing an individual’s name on the "Ineligible/Inquiry" listmaintained by the New York Department of Education bars that individual fromemployment at any DOE school while his or her name remains on such list[McPherson v. New York City Dep't of Education, 457 F.3d 211].
The decision is posted on the Internet at:http://www.courts.state.ny.us/reporter/3dseries/2012/2012_07888.htm

Possession of a valid license or permit to perform the duties of the position

To contact us Click HERE
Possession of a valid license or permit to perform theduties of the position
Lutz v Krokoff, 2012 NY Slip Op 07938, Appellate Division,Third Department
It is well settled that employmentin certain positions or occupations in New York State requires the individualto posses a valid license or its equivalent. Examples of this includeteaching in a public school, operating motor vehicle on public highways,practicing law or medicine and serving as a certified public account. In theevent the individual no longer possesses the required license or permit, he or she canneither lawfully perform nor be permitted to perform the duties requiring thepossession of a valid permit or license.*
When it learned that a police officer’s driver's license wastemporarily revoked, the police department’s chief advised the officer thatpossession of a valid driver's license was a minimum qualification foremployment by the department as a police officers and gave him an opportunityto provide documentation demonstrating that he possessed a valid driver’slicense.**
When the officer could not produce evidence that hepossessed a valid driver’s license his employment was terminated “for failure to meetthe minimum qualifications for his position.”
The officer then initiated an Article 78 proceedingchallenging his termination as arbitrary and capricious and affected by anerror of law. Supreme Court dismissed the police officer’s petition, promptinghis appeal to the Appellate Division.
The police department, conceding that possession of a validdriver's license was not specifically listed as a minimum qualification forappointment to the position of a police officer, nevertheless contended thatsuch a license was an implied requirement in view of the fact that the jobdescription for its police officers listed, among other things, the "[a]bility to operate anautomobile."
The Appellate Division was not persuaded by this argument,ruling that “summary dismissal of an employee based merely upon an inferencecannot be countenanced.” In contrast, said the court, “Where summary dismissalhas been upheld for failure to maintain a minimum qualification of employment,the qualification at issue has been clearly and explicitly set forth.”
Further, the court observed that the record indicated thatalmost one third of the police officers employed by the department performedfunctions other than those requiring possession of a valid driver’s license andnoted that the department’s “Standard Operating Procedures” stated that apolice officer shall "[p]ossess a valid New York State driver[']s license,whenever required as a condition of employment" (emphasissupplied by the court).
In the court’s view, this “conditional language” suggestedthat that there were police officers in the department who were not required topossess a driver's license as a necessary condition of employment.
Noting that the civil servicecommission having jurisdiction had promulgated a class specification for another position, firefighter, explicitlyrequired the possession of a valid New York State driver's license at the timeof employment and throughout the duration of the individual’s employment as afirefighter, the Appellate Division concluded that the police officer’stermination without a hearing was both arbitrary and capricious and contrary tolaw and reversed the lower court’s ruling. 
* See, for example, Meliti vNyquist, 41 NY2d 183
** In the words of theAppellate Division, citing Carr v NYS Dept. of Transportation, 30 AD3d 1110,"an employee charged with failing to possess a minimum qualification ofhis or her position is only entitled to notice of the charge and theopportunity to contest it.”
The decision is posted on the Internet at:http://www.courts.state.ny.us/reporter/3dseries/2012/2012_07938.htm

Payday Loans That Don't Require Direct Deposit

To contact us Click HERE
"Where can I borrow without a checking account and no credit?" Most of the time, we tend to think that if you do not have a bank checking account, it is impossible for you to get a guaranteed loan anywhere. Understandably, most of the fast payday loan lenders require customers to have a checking account with direct deposit as it makes it easy for them to debit their customer's accounts for monies owed to them. However, if you need to borrow money and have bad credit and no checking account, it is possible to find instant payday loans that don't require direct deposit. 

Trends have changed and there are unsecured personal loans for people without a bank account as well as short term cash advance loans with no bank statement needed. Nowadays, online payday personal loan lenders with no direct deposit requirements only require you to have a savings account or debit card. For people who need a quick loan but have no bank checking account, this will come as a much needed solution.

You can search for online signature loans with no bank account needed. Over the Internet, you would be able to find some loan comparison websites which help you to find out who has the lowest cost payday loan that don't require direct deposit which you can apply for a 12 month personal loan without a bank checking account.  However, do check to see if it is a reputable loan lender you are dealing with. BBB-approved loan lenders with no credit check are regulated and they adhere to strict government laws on consumer loans so they provide more security and also provide an avenue for legal recourse if there is any dispute in the future.

No faxing payday loans that don't need a checking account can also be made available through peer lending websites like Prosper, which helps to match small-individual lenders with borrowers with less bureaucracy. A Prosper alternative is LendingClub or Zopa from the UK. As always, do your due diligence first to find online personal loans with no direct deposit requirement. Good luck.

Selected reports and information published by New York State's Comptroller Thomas P. DiNapoli

To contact us Click HERE

Selected reports and information published by New York State's Comptroller Thomas P. DiNapoliFor the week of November 12 - 18, 2012 [Click on the caption to access the full report] DiNapoli: Improvements Needed At Saratoga Housing Authority Auditors found lax spending controls at the Saratoga Housing Authority, according to an audit released Friday by State Comptroller Thomas P. DiNapoli. DiNapoli: Schenectady’s Fiscal Condition Improving The City of Schenectady faces an unstable financial future, but increased economic development and better long–term financial planning point to signs of progress, according to an audit issued Tuesday by State Comptroller Thomas P. DiNapoli. DiNapoli: Dunkirk Mishandled Federal HUD Grant Funding The City of Dunkirk spent more than $1 million from the U.S. Department of Housing and Urban Development’s (HUD) Community Development Block Grant program on unauthorized or questionable activities, according to an audit issued Tuesday by State Comptroller Thomas P. DiNapoli. The findings have been referred to HUD for further review. Comptroller DiNapoli Releases Audits New York State Comptroller Thomas P. DiNapoli last Friday announced his office completed the following audits:  Department of Health;  Division of Housing and Community Renewal;  Office of Mental Health,  Quality of Internal Control Certification;  Office of Parks, Recreation and Historic Preservation;  Department of Health Overpayments for Hospital Readmissions; and,  Thoroughbred Breeding and Development Fund. Hurricane Sandy Relief Efforts Comptroller Thomas P. DiNapoli and volunteers from the Comptroller’s Office, along with family and friends, will deliver a semi–trailer truckload of supplies to residents of Long Beach at 1 p.m. Saturday, November 17, at the Long Beach Ice Arena as part of the Comptroller’s Office’s Hurricane Sandy relief campaign. The Comptroller and staff volunteers will unload the truck and assist the relief center with sorting and distribution of the household and cleaning supplies. The Comptroller’s Office continues to work with our partners in government to expedite the approval of all storm related contracts and expenditures. Additional items:

Saratoga Springs Housing Authority criticized in audit Comptroller’s Audit Finds Problems In Dunkirk NY Thruway toll hike on hold

Challenging the employee's dismissal during his or her probationary period

To contact us Click HERE
Challenging the employee's dismissal during his or her probationary period

Supreme Court dismissed a former probationary employee’spetition seeking to annul his termination from his position, the revocation ofhis New York City Department of Education [DOE] teaching certification, hisplacement of his name on the DOE's Ineligible/Inquiry list,* and his overall unsatisfactory rating for the2010-2011 school year.
The Appellate Division sustained the lower court’s actions,explaining that the probationer had failed to establish that his termination,the revocation of his teaching certificate and his placement on the DOE'sineligible/inquiry list, was done in bad faith.
Addressing the individual’s allegation of bad faith, thecourt noted therecord contained evidence of good faith on DOE’s part. For example, said theAppellate Division, the school principal’s "intention was not to terminate [the] petitioner's employment but to extend his probation for an additional year."
In addition, said the court, the record contained evidence ofdeficiencies in individual's performance during the probationary period.
As to the individual’s challenge to the revocation of histeaching certification and the placement of his name on the ineligible/inquirylist, the Appellate Division ruled that those challenges were not untimely butthat Supreme Court had correctly sustained those administrative determinations.
Finally the Appellate Division pointed out that the lower court had correctly dismissed the individual’s challenge to his “U-rating” as it was prematurebecause he had not yet exhausted his administrative remedies.
*Placing an individual’s name on the "Ineligible/Inquiry" listmaintained by the New York Department of Education bars that individual fromemployment at any DOE school while his or her name remains on such list[McPherson v. New York City Dep't of Education, 457 F.3d 211].
The decision is posted on the Internet at:http://www.courts.state.ny.us/reporter/3dseries/2012/2012_07888.htm

Releasing medical records

To contact us Click HERE

Releasing medical records
The Port Authority of New York and New Jersey filed a motionto mandate that the plaintiff authorize the release of all of his medicalrecords preceding the accident in which he alleged he was injured.
Supreme Court directed that the plaintiff provideauthorizations to release his medical records but limited the release of hismedical records to the five years preceding the accident.
The Appellate Division affirmed the lower court’s order,holding that the Authority “failed to demonstrate that all plaintiff'spre-accident medical records were material and necessary in the defense of thisaction,” explaining that the plaintiff did not allege that the accident “aggravatedor exacerbated a preexisting injury or condition.”
The decision is posted on the Internet at:http://www.courts.state.ny.us/reporter/3dseries/2012/2012_07898.htm

The failure to name the parties appealing a lower court’s ruling held a fatal jurisdictional defect

To contact us Click HERE

The failure to name the parties appealing a lower court’sruling held a fatal jurisdictional defectGusler v. City of Long Beach, USCA, Docket #11-4493-cv
Jay Gusler, acting pro se, filed an action under 42 U.S.C. §1983alleging that the defendants* unlawfullyretaliated against him.
The district court dismissed claims against someof the defendants but then dismissed a motion by the remaining individual defendants' raising a defense of qualified immunity. The remaining defendants then appealed the district court's dismissal of their motion.
The Circuit Court of Appeals rejected the appeal filed bythe remaining individual defendants, finding that it lacked jurisdiction to consider the merits of the appeal as they had not filed a timely notice of appeal.
Although the notice of appeal contained the full caption of the action, the body of the appeal stated: “Notice is herebygiven that the defendant Nassau County hereby appeals.” However, said thecourt, while The City of Long Beach is in Nassau County, Nassau County itself isnot a party in the action.
The CircuitCourt said that the appeal as initially filed did not “provide notice to the court [or] to the opposingparties of the identity of the appellant or appellants” so that neither theCircuit Court, nor the district court, nor the plaintiff  “know . . . whichparties are bound by the district court’s [decision] [and] which parties may beheld liable for costs or sanctions on the appeal.”
Further, noted the Circuit Court, the amended notice ofappeal did not cure the problem as the amended notice was filed after the timeto appeal had run.**
The Circuit Court dismissed the appeal, explaining that “Becausethe notice of appeal did not specify which defendants were taking an appeal ofthe district court’s decision, we lack jurisdiction to consider their appeal.”
* Gusler had named as thedefendants in his action The City Of Long Beach, The Long Beach Volunteer FireDepartment, The Long Beach Police Department, and twelve individuals.
** The Circuit Court alsopointed out that the defendants “did not seek an extension of time to amend andcorrect the notice of appeal … and the time to do so has long since passed….”
The Circuit Court's decision is posted on the Internet at:http://www.ca2.uscourts.gov/decisions/isysquery/67fcaa5c-1014-4d83-957a-173edf363d85/1/doc/11-4493_opn.pdf#xml=http://www.ca2.uscourts.gov/decisions/isysquery/67fcaa5c-1014-4d83-957a-173edf363d85/1/hilite/

Self-critical privilege not available to public entities in New York State objecting to the release of certain information

To contact us Click HERE

Self-critical privilege not available to public entities inNew York State objecting to the release of certain informationUniformed Fire Officers Assn., Local 854 v City of New York,2012 NY Slip Op 07899, Appellate Division, First Department
Supreme Court denied the City of New York’s motion to quasha judicial subpoena obtained by the Uniformed Fire Officers Association, Local 854, requiring the City to supplyit with copies of drafts of a public safety consultant's report recommending achange affecting the City’s 911 call system.
The Appellate Division sustained the Supreme Court’s ruling,holding that the City failed to show that the public interest would be harmedby the disclosure of drafts of the consultant's report to the Local.
The court explained that the City’s claim of protectionunder the so-called "self-critical" privilege*was misplaced as “This privilege has never been recognized under New York law.”
Further, the Appellate Division observed that the City hadnot demonstrated that there were "exceptional and compelling circumstances" thatmight justify the judicial creation of a new privilege
In the words of the court, “Absent sensitive subject matteror exposure of review participants to liability, the City's contention that thedisclosure of the drafts would have a chilling effect on the internaldiscussions of those engaged in reviewing technical projects such as this isspeculative.”
In contrast, said the court, Local 854 had shown a need forthe drafts for the purpose of  preparingits case before the City’s Collective Bargaining Board.
* Theself-critical analysis privilege, if available, would protect an entity’s self-evaluativematerials from disclosure when it is shown that the public interest in preserving the internalevaluations of the organization outweighs an interested party's right to the information.
The decision is posted on the Internet at:http://www.courts.state.ny.us/reporter/3dseries/2012/2012_07899.htm

Payday Loans That Don't Require Direct Deposit

To contact us Click HERE
"Where can I borrow without a checking account and no credit?" Most of the time, we tend to think that if you do not have a bank checking account, it is impossible for you to get a guaranteed loan anywhere. Understandably, most of the fast payday loan lenders require customers to have a checking account with direct deposit as it makes it easy for them to debit their customer's accounts for monies owed to them. However, if you need to borrow money and have bad credit and no checking account, it is possible to find instant payday loans that don't require direct deposit. 

Trends have changed and there are unsecured personal loans for people without a bank account as well as short term cash advance loans with no bank statement needed. Nowadays, online payday personal loan lenders with no direct deposit requirements only require you to have a savings account or debit card. For people who need a quick loan but have no bank checking account, this will come as a much needed solution.

You can search for online signature loans with no bank account needed. Over the Internet, you would be able to find some loan comparison websites which help you to find out who has the lowest cost payday loan that don't require direct deposit which you can apply for a 12 month personal loan without a bank checking account.  However, do check to see if it is a reputable loan lender you are dealing with. BBB-approved loan lenders with no credit check are regulated and they adhere to strict government laws on consumer loans so they provide more security and also provide an avenue for legal recourse if there is any dispute in the future.

No faxing payday loans that don't need a checking account can also be made available through peer lending websites like Prosper, which helps to match small-individual lenders with borrowers with less bureaucracy. A Prosper alternative is LendingClub or Zopa from the UK. As always, do your due diligence first to find online personal loans with no direct deposit requirement. Good luck.

3 Reasons the Holidays are a Great Time to Start or Continue Your Job Search

To contact us Click HERE


Many job seekers think that the holidays are a bad time to find a job so they back off on their efforts. There are actually three reasons that the holidays are a great time to start or continue the search.

Reason One
The process of searching for a job is actually step 4 of a successful search* . Quoting Coach Wooden, “When opportunity knocks it’s too late to prepare. “ Be ready before opportunity knocks for you. Be sure you have addressed the first three steps and have all of your marketing materials ready to go.

Step 1 is Attitude. There are two aspects to having the right attitude. The first aspect of attitude is understanding and accepting that the job market has changed. If you thought, “I have found a job before I can do it again” without understanding what you need to do differently, then you will have a hard time finding a job. Take this time to understand the new job market and revise your approach.

The second aspect of having a good attitude is giving yourself time and permission to process the loss or fear so it does not negatively impact your body language, word choice or the energy you need to do the job search. Don’t think you can fake it. Like leftovers in a refrigerator, emotions do not get better with time. Take them out and deal with them.

Step 2 is Aptitude which means knowing your product – YOU. Can you give a powerful, concise answer when the hiring authority asks “Why should we hire you over your competition?” Your search will be less successful and take longer if you have not taken the time to identify and document your prior accomplishments and developed a personal brand. Be sure you know your product and how you are unique from your competition.

Step 3 is Altitude which means identifying the criteria of company that is looking for someone with your skills and experience. Target a list of companies that fit that criterion. Do not take the passive approach, waiting for companies to post positions. Instead identify and go after the companies you want to work for and who are looking for someone just like you.

These three steps must be completed before updating your marketing materials of which your resume is the least used. Know what other items of marketing materials you need and how and when to use them.

Reason Two
Companies are ramping up hiring to have people in seats at the beginning of the year.

Budgets of many companies and institutes start over at the beginning of the calendar year. Those budgets include additional headcount. Hiring managers want to fill those seats as soon as possible to help with the immense workload. Managers also want to hire before budgets are adjusted down. Use this time to network into the opportunity before someone else does.

Reason Three
While others are stepping back in their search, step forward.

You have probably seen the skit in cartoons where a troop is standing in a line and the drill sergeant asks for someone to volunteer by stepping forward. All of the members of the troop except one step back making it look like the one guy stepped forward. In this case it is not good to be the one who did not step back. But in the job search you want to be the one who is not only not stepping back but who is still moving forward. When others are missing out on opportunities, be the one who is there when opportunity knocks.

Have a very happy holidays with your family and keep the job search moving forward.

Check Out These Other Resources

Go to YouTube and search FoundaJobYet to view the 5 part video series titled The 5 Deadly Sins of the Job Search to be sure you are not committing any of the most common job search mistakes.

Go to the previously published RightChanges blog article “How to Handle the Holiday When You are in a Job Search”.

And consider the book Found a Job Yet? And Other Questions NOT to Ask! as a gift for the friends and family in your life.

Judi Adams is the CEO of RightChanges, the Affordable and Successful Job Search Coach. 100% of RightChanges’ clients who completed the personal coach series landed jobs they wanted.

*The Six Steps of the Job Search are the copyright of Crossroads Career Services. RightChanges is a professional affiliate of Crossroads Career Services.

Selected reports and information published by New York State's Comptroller Thomas P. DiNapoli

To contact us Click HERE

Selected reports and information published by NewYork State's Comptroller Thomas P. DiNapoliIssued during the week ending November16, 2012 [Click on the caption to access the full report]
Department of Health, Improper PaymentsRelated to the Medicare Buy-In Program (2010-S-76)
From March 2006 through February 2011, Medicaid made nearly 260,000 improperpayments, totaling about $26.8 million, for people enrolled in the Medicarebuy-in program. The improper payments included $21.1 million in Medicarepremiums for people who were ineligible for the buy-in program. This included improperpayments of $1.9 for 532 people who were deceased. The improper paymentsresulted from insufficient DOH oversight, poor local district practices, andweaknesses in certain Medicaid claims processing controls. Auditors recommendedDOH increase oversight of local districts, recover inappropriate Medicarebuy-in payments, and improve the Medicaid claims processing system to ensureaccurate payment of medical claims for individuals eligible for the buy-inprogram.
 
Division of Housing and Community Renewal,Quality of Internal Control Certification (2012-S-31)
In 1987, the Legislature passed the New York State Governmental Accountability,Audit and Internal Control Act requiring State agencies and public authoritiesto institute a comprehensive system of internal controls over their operations.By April 30 each year, DOB requires each covered agency to certify compliancewith the act. On April 26, 2011, DHCR submitted its annual Internal ControlCertification and reported full compliance with all provisions of the Act.DHCR's internal control certification was submitted timely. However, auditorsidentified several areas where the quality of the certification and/or theactual internal control program could be improved.

Office of Mental Health, Quality of InternalControl Certification (2012-S43) See 2012-S-31 above for description of requirements
OMH's Internal Control Certification was submitted on time and generallyexhibited the necessary quality. Answers to most questions were complete andresponsive, and were supported by records and documents maintained by theagency. However, OMH's certification did not provide sufficient detail indescribing the results of its reviews of high-risk activities.

Office of Parks, Recreation and HistoricPreservation, Quality of Internal Control Certification (2012-S-49) See 2012-S-31 above for description ofrequirements
On June 25, 2012, Parks submitted itsannual Internal Control Certification and reported full compliance with allprovisions of the Act. Parks’ Internal Control Certification was submitted, 56days after the April 30 deadline.  Parks’ certification did not providethe required level of detail, did not support some statements with sufficientdocumentation, and was unable to provide evidence of the communication of theInternal Control Officer designee to all staff. The office has not yetcompleted a program of internal control review and its internal audit functionhas not undergone an external quality assessment as required by professionalstandards.

Department of Health Overpayments forHospital Readmissions (Follow-Up) (2012-F-11)
An initial audit report examinedwhether the Department of Health (DOH) overpaid hospitals when the hospitalsreadmitted patients they had recently discharged. The audit identifiedoverpayments totaling nearly $163,000 from a review of a judgmental sample ofclaims from five hospitals. The hospitals have already refunded theoverpayments to Medicaid. The audit also identified four other hospitals withquestionable claims. In a follow-up report, auditors found DOH officials havemade progress in correcting the problems identified in the initial report. Ofthe five prior audit recommendations, three have been implemented, one has beenpartially implemented, and one is no longer applicable.

Thoroughbred Breeding and Development Fund,Selected Operating Practices (2011-S-36)
The fund has been receiving the statutorycommissions due from the tracks, OTBs, and VLT operators. However, whileassessing the statutory commission rates due the fund, we found that the NewYork Racing Association (NYRA) had shortchanged winning bettors byapproximately $7.4 million between Sept. 15, 2010 and Dec. 21, 2011. Thishappened because NYRA was not complying with statutory retainage rates onexotic bets. As a result of our finding, which was identified in December 2011,an investigation was conducted by the NYS Racing and Wagering Board which ledto the firing of NYRA’s president/CEO and its senior vice president/generalcounsel.  Auditors found the fund improperly underreported statutorilylimited administrative expenses and promotional expenses by $399,908 forcalendar years 2009 and 2010.

Selected reports and information published by New York State's Comptroller Thomas P. DiNapoli

To contact us Click HERE

Selected reports and information published by New York State's Comptroller Thomas P. DiNapoliFor the week of November 12 - 18, 2012 [Click on the caption to access the full report] DiNapoli: Improvements Needed At Saratoga Housing Authority Auditors found lax spending controls at the Saratoga Housing Authority, according to an audit released Friday by State Comptroller Thomas P. DiNapoli. DiNapoli: Schenectady’s Fiscal Condition Improving The City of Schenectady faces an unstable financial future, but increased economic development and better long–term financial planning point to signs of progress, according to an audit issued Tuesday by State Comptroller Thomas P. DiNapoli. DiNapoli: Dunkirk Mishandled Federal HUD Grant Funding The City of Dunkirk spent more than $1 million from the U.S. Department of Housing and Urban Development’s (HUD) Community Development Block Grant program on unauthorized or questionable activities, according to an audit issued Tuesday by State Comptroller Thomas P. DiNapoli. The findings have been referred to HUD for further review. Comptroller DiNapoli Releases Audits New York State Comptroller Thomas P. DiNapoli last Friday announced his office completed the following audits:  Department of Health;  Division of Housing and Community Renewal;  Office of Mental Health,  Quality of Internal Control Certification;  Office of Parks, Recreation and Historic Preservation;  Department of Health Overpayments for Hospital Readmissions; and,  Thoroughbred Breeding and Development Fund. Hurricane Sandy Relief Efforts Comptroller Thomas P. DiNapoli and volunteers from the Comptroller’s Office, along with family and friends, will deliver a semi–trailer truckload of supplies to residents of Long Beach at 1 p.m. Saturday, November 17, at the Long Beach Ice Arena as part of the Comptroller’s Office’s Hurricane Sandy relief campaign. The Comptroller and staff volunteers will unload the truck and assist the relief center with sorting and distribution of the household and cleaning supplies. The Comptroller’s Office continues to work with our partners in government to expedite the approval of all storm related contracts and expenditures. Additional items:

Saratoga Springs Housing Authority criticized in audit Comptroller’s Audit Finds Problems In Dunkirk NY Thruway toll hike on hold

Challenging the employee's dismissal during his or her probationary period

To contact us Click HERE
Challenging the employee's dismissal during his or her probationary period

Supreme Court dismissed a former probationary employee’spetition seeking to annul his termination from his position, the revocation ofhis New York City Department of Education [DOE] teaching certification, hisplacement of his name on the DOE's Ineligible/Inquiry list,* and his overall unsatisfactory rating for the2010-2011 school year.
The Appellate Division sustained the lower court’s actions,explaining that the probationer had failed to establish that his termination,the revocation of his teaching certificate and his placement on the DOE'sineligible/inquiry list, was done in bad faith.
Addressing the individual’s allegation of bad faith, thecourt noted therecord contained evidence of good faith on DOE’s part. For example, said theAppellate Division, the school principal’s "intention was not to terminate [the] petitioner's employment but to extend his probation for an additional year."
In addition, said the court, the record contained evidence ofdeficiencies in individual's performance during the probationary period.
As to the individual’s challenge to the revocation of histeaching certification and the placement of his name on the ineligible/inquirylist, the Appellate Division ruled that those challenges were not untimely butthat Supreme Court had correctly sustained those administrative determinations.
Finally the Appellate Division pointed out that the lower court had correctly dismissed the individual’s challenge to his “U-rating” as it was prematurebecause he had not yet exhausted his administrative remedies.
*Placing an individual’s name on the "Ineligible/Inquiry" listmaintained by the New York Department of Education bars that individual fromemployment at any DOE school while his or her name remains on such list[McPherson v. New York City Dep't of Education, 457 F.3d 211].
The decision is posted on the Internet at:http://www.courts.state.ny.us/reporter/3dseries/2012/2012_07888.htm

Selected reports and information published by New York State's Comptroller Thomas P. DiNapoli

To contact us Click HERE

Selected reports and information published by NewYork State's Comptroller Thomas P. DiNapoliIssued during the week ending November16, 2012 [Click on the caption to access the full report]
Department of Health, Improper PaymentsRelated to the Medicare Buy-In Program (2010-S-76)
From March 2006 through February 2011, Medicaid made nearly 260,000 improperpayments, totaling about $26.8 million, for people enrolled in the Medicarebuy-in program. The improper payments included $21.1 million in Medicarepremiums for people who were ineligible for the buy-in program. This included improperpayments of $1.9 for 532 people who were deceased. The improper paymentsresulted from insufficient DOH oversight, poor local district practices, andweaknesses in certain Medicaid claims processing controls. Auditors recommendedDOH increase oversight of local districts, recover inappropriate Medicarebuy-in payments, and improve the Medicaid claims processing system to ensureaccurate payment of medical claims for individuals eligible for the buy-inprogram.
 
Division of Housing and Community Renewal,Quality of Internal Control Certification (2012-S-31)
In 1987, the Legislature passed the New York State Governmental Accountability,Audit and Internal Control Act requiring State agencies and public authoritiesto institute a comprehensive system of internal controls over their operations.By April 30 each year, DOB requires each covered agency to certify compliancewith the act. On April 26, 2011, DHCR submitted its annual Internal ControlCertification and reported full compliance with all provisions of the Act.DHCR's internal control certification was submitted timely. However, auditorsidentified several areas where the quality of the certification and/or theactual internal control program could be improved.

Office of Mental Health, Quality of InternalControl Certification (2012-S43) See 2012-S-31 above for description of requirements
OMH's Internal Control Certification was submitted on time and generallyexhibited the necessary quality. Answers to most questions were complete andresponsive, and were supported by records and documents maintained by theagency. However, OMH's certification did not provide sufficient detail indescribing the results of its reviews of high-risk activities.

Office of Parks, Recreation and HistoricPreservation, Quality of Internal Control Certification (2012-S-49) See 2012-S-31 above for description ofrequirements
On June 25, 2012, Parks submitted itsannual Internal Control Certification and reported full compliance with allprovisions of the Act. Parks’ Internal Control Certification was submitted, 56days after the April 30 deadline.  Parks’ certification did not providethe required level of detail, did not support some statements with sufficientdocumentation, and was unable to provide evidence of the communication of theInternal Control Officer designee to all staff. The office has not yetcompleted a program of internal control review and its internal audit functionhas not undergone an external quality assessment as required by professionalstandards.

Department of Health Overpayments forHospital Readmissions (Follow-Up) (2012-F-11)
An initial audit report examinedwhether the Department of Health (DOH) overpaid hospitals when the hospitalsreadmitted patients they had recently discharged. The audit identifiedoverpayments totaling nearly $163,000 from a review of a judgmental sample ofclaims from five hospitals. The hospitals have already refunded theoverpayments to Medicaid. The audit also identified four other hospitals withquestionable claims. In a follow-up report, auditors found DOH officials havemade progress in correcting the problems identified in the initial report. Ofthe five prior audit recommendations, three have been implemented, one has beenpartially implemented, and one is no longer applicable.

Thoroughbred Breeding and Development Fund,Selected Operating Practices (2011-S-36)
The fund has been receiving the statutorycommissions due from the tracks, OTBs, and VLT operators. However, whileassessing the statutory commission rates due the fund, we found that the NewYork Racing Association (NYRA) had shortchanged winning bettors byapproximately $7.4 million between Sept. 15, 2010 and Dec. 21, 2011. Thishappened because NYRA was not complying with statutory retainage rates onexotic bets. As a result of our finding, which was identified in December 2011,an investigation was conducted by the NYS Racing and Wagering Board which ledto the firing of NYRA’s president/CEO and its senior vice president/generalcounsel.  Auditors found the fund improperly underreported statutorilylimited administrative expenses and promotional expenses by $399,908 forcalendar years 2009 and 2010.

Selected reports and information published by New York State's Comptroller Thomas P. DiNapoli

To contact us Click HERE

Selected reports and information published by New York State's Comptroller Thomas P. DiNapoliFor the week of November 12 - 18, 2012 [Click on the caption to access the full report] DiNapoli: Improvements Needed At Saratoga Housing Authority Auditors found lax spending controls at the Saratoga Housing Authority, according to an audit released Friday by State Comptroller Thomas P. DiNapoli. DiNapoli: Schenectady’s Fiscal Condition Improving The City of Schenectady faces an unstable financial future, but increased economic development and better long–term financial planning point to signs of progress, according to an audit issued Tuesday by State Comptroller Thomas P. DiNapoli. DiNapoli: Dunkirk Mishandled Federal HUD Grant Funding The City of Dunkirk spent more than $1 million from the U.S. Department of Housing and Urban Development’s (HUD) Community Development Block Grant program on unauthorized or questionable activities, according to an audit issued Tuesday by State Comptroller Thomas P. DiNapoli. The findings have been referred to HUD for further review. Comptroller DiNapoli Releases Audits New York State Comptroller Thomas P. DiNapoli last Friday announced his office completed the following audits:  Department of Health;  Division of Housing and Community Renewal;  Office of Mental Health,  Quality of Internal Control Certification;  Office of Parks, Recreation and Historic Preservation;  Department of Health Overpayments for Hospital Readmissions; and,  Thoroughbred Breeding and Development Fund. Hurricane Sandy Relief Efforts Comptroller Thomas P. DiNapoli and volunteers from the Comptroller’s Office, along with family and friends, will deliver a semi–trailer truckload of supplies to residents of Long Beach at 1 p.m. Saturday, November 17, at the Long Beach Ice Arena as part of the Comptroller’s Office’s Hurricane Sandy relief campaign. The Comptroller and staff volunteers will unload the truck and assist the relief center with sorting and distribution of the household and cleaning supplies. The Comptroller’s Office continues to work with our partners in government to expedite the approval of all storm related contracts and expenditures. Additional items:

Saratoga Springs Housing Authority criticized in audit Comptroller’s Audit Finds Problems In Dunkirk NY Thruway toll hike on hold

Payday Loans That Don't Require Direct Deposit

To contact us Click HERE
"Where can I borrow without a checking account and no credit?" Most of the time, we tend to think that if you do not have a bank checking account, it is impossible for you to get a guaranteed loan anywhere. Understandably, most of the fast payday loan lenders require customers to have a checking account with direct deposit as it makes it easy for them to debit their customer's accounts for monies owed to them. However, if you need to borrow money and have bad credit and no checking account, it is possible to find instant payday loans that don't require direct deposit. 

Trends have changed and there are unsecured personal loans for people without a bank account as well as short term cash advance loans with no bank statement needed. Nowadays, online payday personal loan lenders with no direct deposit requirements only require you to have a savings account or debit card. For people who need a quick loan but have no bank checking account, this will come as a much needed solution.

You can search for online signature loans with no bank account needed. Over the Internet, you would be able to find some loan comparison websites which help you to find out who has the lowest cost payday loan that don't require direct deposit which you can apply for a 12 month personal loan without a bank checking account.  However, do check to see if it is a reputable loan lender you are dealing with. BBB-approved loan lenders with no credit check are regulated and they adhere to strict government laws on consumer loans so they provide more security and also provide an avenue for legal recourse if there is any dispute in the future.

No faxing payday loans that don't need a checking account can also be made available through peer lending websites like Prosper, which helps to match small-individual lenders with borrowers with less bureaucracy. A Prosper alternative is LendingClub or Zopa from the UK. As always, do your due diligence first to find online personal loans with no direct deposit requirement. Good luck.

Selected reports and information published by New York State's Comptroller Thomas P. DiNapoli

To contact us Click HERE

Selected reports and information published by NewYork State's Comptroller Thomas P. DiNapoliIssued during the week ending November16, 2012 [Click on the caption to access the full report]
Department of Health, Improper PaymentsRelated to the Medicare Buy-In Program (2010-S-76)
From March 2006 through February 2011, Medicaid made nearly 260,000 improperpayments, totaling about $26.8 million, for people enrolled in the Medicarebuy-in program. The improper payments included $21.1 million in Medicarepremiums for people who were ineligible for the buy-in program. This included improperpayments of $1.9 for 532 people who were deceased. The improper paymentsresulted from insufficient DOH oversight, poor local district practices, andweaknesses in certain Medicaid claims processing controls. Auditors recommendedDOH increase oversight of local districts, recover inappropriate Medicarebuy-in payments, and improve the Medicaid claims processing system to ensureaccurate payment of medical claims for individuals eligible for the buy-inprogram.
 
Division of Housing and Community Renewal,Quality of Internal Control Certification (2012-S-31)
In 1987, the Legislature passed the New York State Governmental Accountability,Audit and Internal Control Act requiring State agencies and public authoritiesto institute a comprehensive system of internal controls over their operations.By April 30 each year, DOB requires each covered agency to certify compliancewith the act. On April 26, 2011, DHCR submitted its annual Internal ControlCertification and reported full compliance with all provisions of the Act.DHCR's internal control certification was submitted timely. However, auditorsidentified several areas where the quality of the certification and/or theactual internal control program could be improved.

Office of Mental Health, Quality of InternalControl Certification (2012-S43) See 2012-S-31 above for description of requirements
OMH's Internal Control Certification was submitted on time and generallyexhibited the necessary quality. Answers to most questions were complete andresponsive, and were supported by records and documents maintained by theagency. However, OMH's certification did not provide sufficient detail indescribing the results of its reviews of high-risk activities.

Office of Parks, Recreation and HistoricPreservation, Quality of Internal Control Certification (2012-S-49) See 2012-S-31 above for description ofrequirements
On June 25, 2012, Parks submitted itsannual Internal Control Certification and reported full compliance with allprovisions of the Act. Parks’ Internal Control Certification was submitted, 56days after the April 30 deadline.  Parks’ certification did not providethe required level of detail, did not support some statements with sufficientdocumentation, and was unable to provide evidence of the communication of theInternal Control Officer designee to all staff. The office has not yetcompleted a program of internal control review and its internal audit functionhas not undergone an external quality assessment as required by professionalstandards.

Department of Health Overpayments forHospital Readmissions (Follow-Up) (2012-F-11)
An initial audit report examinedwhether the Department of Health (DOH) overpaid hospitals when the hospitalsreadmitted patients they had recently discharged. The audit identifiedoverpayments totaling nearly $163,000 from a review of a judgmental sample ofclaims from five hospitals. The hospitals have already refunded theoverpayments to Medicaid. The audit also identified four other hospitals withquestionable claims. In a follow-up report, auditors found DOH officials havemade progress in correcting the problems identified in the initial report. Ofthe five prior audit recommendations, three have been implemented, one has beenpartially implemented, and one is no longer applicable.

Thoroughbred Breeding and Development Fund,Selected Operating Practices (2011-S-36)
The fund has been receiving the statutorycommissions due from the tracks, OTBs, and VLT operators. However, whileassessing the statutory commission rates due the fund, we found that the NewYork Racing Association (NYRA) had shortchanged winning bettors byapproximately $7.4 million between Sept. 15, 2010 and Dec. 21, 2011. Thishappened because NYRA was not complying with statutory retainage rates onexotic bets. As a result of our finding, which was identified in December 2011,an investigation was conducted by the NYS Racing and Wagering Board which ledto the firing of NYRA’s president/CEO and its senior vice president/generalcounsel.  Auditors found the fund improperly underreported statutorilylimited administrative expenses and promotional expenses by $399,908 forcalendar years 2009 and 2010.