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	<title>CULIK LAW PC</title>
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		<title>Forest Pharmaceuticals pushes expensive medication despite comparable generic (NY Times)</title>
		<link>http://www.culiklaw.com/2009/09/10/forest-pharmaceuticals-pushes-expensive-medication-despite-comparable-generic-ny-times/</link>
		<comments>http://www.culiklaw.com/2009/09/10/forest-pharmaceuticals-pushes-expensive-medication-despite-comparable-generic-ny-times/#comments</comments>
		<pubDate>Thu, 10 Sep 2009 11:00:00 +0000</pubDate>
		<dc:creator>CULIK LAW</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[consumer lawyer]]></category>
		<category><![CDATA[health care]]></category>
		<category><![CDATA[massachusetts]]></category>
		<category><![CDATA[medication]]></category>
		<category><![CDATA[unfair or deceptive trade practice]]></category>

		<guid isPermaLink="false">http://www.culiklaw.com/2009/09/10/forest-pharmaceuticals-pushes-expensive-medication-despite-comparable-generic-ny-times/</guid>
		<description><![CDATA[Lexapro, an anti-depressant to which Forest still has proprietary rights, is many times more expensive than its generic cousin, Celexa. The F.D.A. views the two medicines as so interchangeable that the agency recently approved Lexapro’s use in depressed adolescents based in part on the results of a study Forest conducted using Celexa. But in a [...]]]></description>
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		<title>Get more credit&#8230; by using less credit (ConsumerAffairs)</title>
		<link>http://www.culiklaw.com/2009/09/08/get-more-credit-by-using-less-credit-consumeraffairs/</link>
		<comments>http://www.culiklaw.com/2009/09/08/get-more-credit-by-using-less-credit-consumeraffairs/#comments</comments>
		<pubDate>Tue, 08 Sep 2009 11:00:00 +0000</pubDate>
		<dc:creator>CULIK LAW</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[massachusetts]]></category>

		<guid isPermaLink="false">http://www.culiklaw.com/2009/09/08/get-more-credit-by-using-less-credit-consumeraffairs/</guid>
		<description><![CDATA[For a higher credit score, almost all financial gurus suggest keeping your credit balances low in relation to your lines of credit. 
As recently as last year some financial advisors believed a credit utilization ratio of 50 percent was acceptable, but that was before last fall&#8217;s credit crunch. Now, the recommended ratio is much less. [...]]]></description>
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		<title>Giving and Taking Lease Security Deposits in Massachusetts (Boston Globe)</title>
		<link>http://www.culiklaw.com/2009/09/07/giving-and-taking-lease-security-deposits-in-massachusetts-boston-globe/</link>
		<comments>http://www.culiklaw.com/2009/09/07/giving-and-taking-lease-security-deposits-in-massachusetts-boston-globe/#comments</comments>
		<pubDate>Mon, 07 Sep 2009 10:55:17 +0000</pubDate>
		<dc:creator>CULIK LAW</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[consumer law]]></category>
		<category><![CDATA[landlord-tenant]]></category>
		<category><![CDATA[lawyer]]></category>
		<category><![CDATA[massachusetts]]></category>
		<category><![CDATA[refund]]></category>
		<category><![CDATA[security deposit]]></category>

		<guid isPermaLink="false">http://www.culiklaw.com/?p=414</guid>
		<description><![CDATA[The Boston Globe gives a great overview for Massachusetts consumers on what is involved in giving (and taking) a security deposit on a lease for a Massachusetts apartment.
via Security Deposits: To Take Or Not To Take, That Is The Question
(Culik Law offers free consultations on landlord-tenant matters involving security deposits.)
]]></description>
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		<title>Tips for Taking Out Student Loans (AP)</title>
		<link>http://www.culiklaw.com/2009/09/04/tips-for-taking-out-student-loans-ap/</link>
		<comments>http://www.culiklaw.com/2009/09/04/tips-for-taking-out-student-loans-ap/#comments</comments>
		<pubDate>Fri, 04 Sep 2009 10:59:55 +0000</pubDate>
		<dc:creator>CULIK LAW</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[lawyer]]></category>
		<category><![CDATA[massachusetts]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[tips]]></category>

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		<description><![CDATA[The AP gives some helpful tips on how to be smart about taking out student loans from the National Consumer Law Center.
For example:
Don&#8217;t give yourself more total loan debt than your expected gross salary the year after you graduate. Another: Your total monthly payment on all student debt shouldn&#8217;t exceed 8 percent to 10 percent [...]]]></description>
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		<title>Credit CARD Act still allows no-notice reductions in your credit limit</title>
		<link>http://www.culiklaw.com/2009/09/02/credit-card-act-still-allows-no-notice-reductions-in-your-credit-limit/</link>
		<comments>http://www.culiklaw.com/2009/09/02/credit-card-act-still-allows-no-notice-reductions-in-your-credit-limit/#comments</comments>
		<pubDate>Wed, 02 Sep 2009 11:00:20 +0000</pubDate>
		<dc:creator>CULIK LAW</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[consumer law]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Credit CARD Act]]></category>
		<category><![CDATA[massachusetts]]></category>

		<guid isPermaLink="false">http://www.culiklaw.com/?p=409</guid>
		<description><![CDATA[The New York Times reports that the new Credit CARD Act, although making many consumer-friendly changes, still allows your credit-card issuer to reduce your credit limit without giving you any notice. In contrast, the law does require that you be given 45 days notice before other &#8220;significant terms&#8221; of your credit-card agreement are changed. (For [...]]]></description>
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		<title>New Rule Prohibiting Unwanted &#8220;Robocalls&#8221; to Take Effect on September 1</title>
		<link>http://www.culiklaw.com/2009/08/31/new-ftc-robocall-rule/</link>
		<comments>http://www.culiklaw.com/2009/08/31/new-ftc-robocall-rule/#comments</comments>
		<pubDate>Mon, 31 Aug 2009 11:00:00 +0000</pubDate>
		<dc:creator>CULIK LAW</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[FTC]]></category>
		<category><![CDATA[massachusetts]]></category>
		<category><![CDATA[robocalls]]></category>
		<category><![CDATA[telemarketers]]></category>

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		<description><![CDATA[Beginning September 1, 2009, prerecorded commercial telemarketing calls to consumers – commonly known as robocalls – will be prohibited, unless the telemarketer has obtained permission in writing from consumers who want to receive such calls, the Federal Trade Commission announced today.
“American consumers have made it crystal clear that few things annoy them more than the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>CULIK LAW Twitter Digest for 2009-08-28</title>
		<link>http://www.culiklaw.com/2009/08/28/culik-law-twitter-digest-for-2009-08-28/</link>
		<comments>http://www.culiklaw.com/2009/08/28/culik-law-twitter-digest-for-2009-08-28/#comments</comments>
		<pubDate>Fri, 28 Aug 2009 05:01:00 +0000</pubDate>
		<dc:creator>CULIK LAW</dc:creator>
				<category><![CDATA[TWITTER POSTS]]></category>
		<category><![CDATA[consumer law]]></category>
		<category><![CDATA[massachusetts]]></category>

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		<description><![CDATA[
http://tinyurl.com/ld7f4f Is Google Getting into Mortgages%3F #

]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>CULIK LAW Twitter Digest for 2009-08-25</title>
		<link>http://www.culiklaw.com/2009/08/25/culik-law-twitter-digest-for-2009-08-25/</link>
		<comments>http://www.culiklaw.com/2009/08/25/culik-law-twitter-digest-for-2009-08-25/#comments</comments>
		<pubDate>Tue, 25 Aug 2009 05:01:00 +0000</pubDate>
		<dc:creator>CULIK LAW</dc:creator>
				<category><![CDATA[TWITTER POSTS]]></category>
		<category><![CDATA[consumer law]]></category>
		<category><![CDATA[massachusetts]]></category>

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		<description><![CDATA[
http://amplify.com/u/hhe #

]]></description>
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		<slash:comments>0</slash:comments>
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		<title>CULIK LAW Twitter Digest for 2009-08-24</title>
		<link>http://www.culiklaw.com/2009/08/24/culik-law-twitter-digest-for-2009-08-24/</link>
		<comments>http://www.culiklaw.com/2009/08/24/culik-law-twitter-digest-for-2009-08-24/#comments</comments>
		<pubDate>Mon, 24 Aug 2009 05:01:00 +0000</pubDate>
		<dc:creator>CULIK LAW</dc:creator>
				<category><![CDATA[TWITTER POSTS]]></category>
		<category><![CDATA[consumer law]]></category>
		<category><![CDATA[massachusetts]]></category>

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		<description><![CDATA[
Debt collectors illegally threatened consumer with arrest, assault &#8211; CNN.com. http://bit.ly/2CelZy #

]]></description>
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		<title>CULIK LAW Twitter Digest for 2009-08-23</title>
		<link>http://www.culiklaw.com/2009/08/23/culik-law-twitter-digest-for-2009-08-23/</link>
		<comments>http://www.culiklaw.com/2009/08/23/culik-law-twitter-digest-for-2009-08-23/#comments</comments>
		<pubDate>Sun, 23 Aug 2009 05:01:00 +0000</pubDate>
		<dc:creator>CULIK LAW</dc:creator>
				<category><![CDATA[TWITTER POSTS]]></category>
		<category><![CDATA[consumer law]]></category>
		<category><![CDATA[massachusetts]]></category>

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Massachusetts health insurance premiums are the highest in the country &#8211; Boston Globe. http://bit.ly/iRGU8 #

]]></description>
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