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The Contractors State License Board said people should have a clear idea of the work they want and the finished project before calling in the professionals.Anyone performing home improvement work valued at 0 or more must be licensed by the Contractors State License Board.The board shares these tips with consumers:-    Hire only licensed contractors.-    Get at least three bids and check references and recent projects.-    Check the contractor's license number.-    Ask to see the contractor’s pocket license and a current photo ID.-    Ask whether the contractor carries workers’ compensation insurance for employees and general liability insurance.-    Try searching your contractor’s name online for additional reviews, but consider the source.-    Make sure the contractor gives you an estimate in writing.-    Pay no more than 10 percent for a down payment. 998

Though the California Coastal Act of 1976 requires construction that alters natural shoreline processes to be permitted by the California Coastal Commission or a local government with an approved local coastal program, the process "does not prioritize erosion mitigation," according to Bates, who represents the 36th Senate District. 333

Think outside the box. Some stores are synonymous with Black Friday: Target, Walmart and Best Buy, to name a few. But don’t limit yourself, especially if inventory is selling out quickly at these mass merchants. 216

Tracy Lynge of the Social Security Inspector General's office said agencies are receiving thousands of complaints this year about these calls and said they have overtaken the IRS scam phone calls that targeted people the past several years, claiming that you owe the IRS money. Almost all the calls are the same, she says. "They say your Social Security Number has been flagged for suspicious activity," Lynge said.She said the Inspector General and FBI are investigating these calls, and believe most originate in boiler rooms in India. "I can say with confidence most of the calls come from overseas and they are large operations," Lynge said.How to protect yourselfThat means these scam calls will continue, until Americans stop falling for them. Lynge said to protect yourself, you should know:The Social Security Administration, IRS or FBI will never call you to say a warrant is out for your arrest.No government agency will ever demand you wire money to them, or purchase gift cards.If you receive one, you can report it to the Social Security Administration 1066

There is no allegation in this indictment that any American was a knowing participant in this illegal activity, he said. "There is no allegation in the indictment that the charge conduct altered the outcome of the 2016 election." 229