Trademark Law India3

By: Kaviraj Singh
Property in Trade Mark

Under common law a trader acquires a right of property in a distinctive trade mark merely by using it upon or in relation to some goods irrespective of the length of such user or the extent of his trade. As between two who are each desirous of adopting the same mark it is entirely a question of who gets there first.

Property in a trade mark which is only proposed to be used in relation to some goods can be obtained by registration of the mark under the Trade and Merchandise Marks Act, 1958.

There is no right to the exclusive ownership of a trade mark apart from its use or application of it in connection with some vendible commodity. In other words property in a trade mark does not exist in vacuo.

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Trademark Law India2

By: Kaviraj Singh
With the immense growth in the scale of business, and the advertising that accompanies it, modern customers rarely have that personal knowledge of suppliers which is the hallmark of a village economy. Even so, their interest in source of supply has not in essence changed. Information about origin is only a means towards an end : their main concern is in the quality of what they are buying. In the case of some goods, part of that quality may be bound up with source in a specific way : as for instance, when the goods will need servicing and the manufacturer or supplier is looked to for the services. But in a great may cases source, particularly when indicated by a Cypher such as a product mark or get-up, does not have even this significance. What it does is to enable the purchaser to link goods or services to a range of personal expectations about quality which derive from previous dealings, recommendations of others, attractive advertising and so on. Nor should it be forgotten that, however persuasively the advertiser may seek to promote this sort of symbol, it retains a neutral character in one sense : once a consumer learns that he does not want particular goods, the mark, name or get-up becomes a significant warning signal.

A law protecting marks, names and get-up accordingly, seems unavoidable in a capitalist economy. In various aspects, however, these laws have tended to develop in a manner that may appear to confer power without responsibility. The trade mark owner acquires the all important right to stop imitations of his indication of source, but his own use is conditioned by few limitations of positive requirement. It is perfectly possible for the public to be taught that a box bearing a particular mark and get-up contains 500 gm. of chocolates and then, by discreet expansion of the packaging, to reduce that amount to 475 gms.(See Surya Roshni Ltd. v. Samana Steel Ltd., AIR 1997 Del 321, where plaintiff was held entitled to temporary injunction for protecting its trade mark).

Different forms of Protecting Trade Mark

If the mark is a registrable one the best way to protect it is by registration. Infringement of the mark can be easily established. If the infringing mark is identical and the goods covered by registration, the success in an action for infringement is almost certain unless the registration can be attacked on the ground of invalidity of registration or the defendant could established honest concurrent user, or acquiescence on the part of the registered proprietor, or prior user. If the marks are not identical but only similar then the plaintiff will have to establish that the defendants` mark is deceptively similar, that is to say, the similarity is such as to be likely to deceive or cause confusion which is a proposition not easy to establish. Ultimately the question of similarity is one for the judge to decide on which opinion may often differ.

In the case of unregistered marks and marks which are not registrable the only way they can be protected is by an action for passing off. The plaintiff will have to prove sufficient use of the mark so as to create valuable goodwill of the business connected with the goods bearing the mark.

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Trademark Law India1

By Kaviraj Singh
TRADE MARK LAW INDIA

Trade Mark" means a registered trade mark or a mark used in relation to goods for the purpose of indicating or so as to indicate a connection in the course of trade between the goods and some person having the right as proprietor to use the mark ; and a mark used or proposed to be used in relation to goods for the purpose of indicating or so as to indicate a connection in the course of trade between the goods and some person having the right, either as proprietor or as registered user, to use the mark whether with or without any indication of the identity of that person, and includes a certification trade mark.(See Section 2(v) of the Trade and Merchandise Marks Act, 1958)

In other words, a trade mark is a visual symbol in the form of a word, a device, or a label applied to articles of commerce with a view to indicate to the purchasing public that they are the goods manufactured or otherwise dealt in by a particular person as distinguished from similar goods manufactured or dealt in by other persons. A person who sells his goods under a particular trade mark acquires a sort of limited exclusive right to use of the mark in relation to those goods. Such a right acquired by use is recognized as a form of property in the trade mark, and protected under common law. A person can also acquire a similar right over a trade mark, not so far used but only proposed to be used, by registering it under the Trade and Merchandise Marks Act, 1958. The law of trade marks is based mainly on two concepts ; distinctiveness and deceptive similarity.

Function of Trade Mark

The function of a trade mark is to give an indication to the purchaser or possible purchaser as to the manufacture or quality of the goods, to give an indication to his eye of the trade source from which the goods come, or the trade hands through which they pass on their way to the market. It tells the person who is about to buy that what is presented to him is either what he has known before under the similar name as coming from a source with which he is acquainted, or that it is what he has heard of before as coming from that similar source. It gives the purchaser a satisfactory assurance of the mark and quality of the article he is buying, the particular quality being not discernible by the eye. It is on the faith of the mark being genuine and representing a quality equal to that which he has previously found a mark may be used to indicate not only that the goods are of a particular maker but are goods of that maker of a particular kind or quality. Thus a trader may indicate his best quality by one trade mark, his second quality by another trade mark and so on.

Under modern business conditions a trade mark performs four functions: (1) it identifies the product and its origin, (2) it guarantees its unchanged quality, (3) it advertises the product, and (4) it creates an image for the product.

Object of Protecting Trade Mark

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What Is The Lemon Law - A Concise Definition

By: Earl Powers

Lemon law refers to the statement from the government that was created to protect consumers from defective piece of automobile. An automobile that has manufacturing defect or if it asks for repeated repairs after purchase and if the automobile is under warranty period, such a vehicle is termed as a lemon.

A law was placed for the benefit of consumers to prevent them from a lemon vehicle. In a nut shell if any vehicle such as a car is under warranty period and is suffering from various defects that prevent a consumer to use the vehicle effectively then Lemon law act or the Magnuson Moss Act comes into force.

Lemon law can be enforced on any sort of vehicle like a car, truck, van, SUV, motorcycle, boat or computer, etc. If any of these consumer durables is found to be defective then the consumer is entitled for either money back, replacement or a cash settlement. The law can be consulted with a Lemon law attorney as various states have different lemon laws. Some states have a lemon law for only the automobiles but some also include other consumer durables like computers, etc.

A dealer or manufacturer should have made number of attempts to repair the vehicle before being declared as lemon. Usually three or more attempts in row over a short period of time are required for any vehicle to be termed as lemon. Lemon law is also applicable to vehicles which have been resold but are still under warranty and meet the mileage and time criteria. More often it is very difficult to persuade a manufacturer to accept a lemon vehicle. In such cases a lemon suit is often called for.

To ensure whether a vehicle is a lemon or not one should observe certain conditions of the vehicle before pursuing a lemon law suit. A vehicle should exhibit some serious defect or some abnormal condition. Such a condition should be covered by manufacturer’s warranty. Number of attempts for repair should also be taken into account before preparing a lemon law suit. A written notice should have also been issued to the manufacturer prior to a lemon law suit.

A vehicle that has been bought back by the manufacturer from the customer is known as a Lemon Buy Back. Such lemon buy backs are often sold in auctions as used cars by the manufacturers.

The Lemon law enforced for protecting consumers from the lemon vehicles is Magnuson-Moss Warranty Act. This lemon law states that any advertised guarantee should explicitly state relevant information about a warranty. This law ensures that any warranty for goods above $15 should be clearly expressed on the goods and should be clear and easy to understand. The Magnuson-Moss Warranty act enables a consumer to bring suit to any manufacturer, supplier, warrantor, or service contractor for any defective piece of good or services.

A lemon vehicle explicitly loses market value due to its manufacturing defect. Moreover, manufacturing defects may lead to several life threatening circumstances. It also substantially impedes a person's ability to control or operate a motor vehicle for ordinary use or intended purposes. Any manufacturing defect can also create a substantial risk of fire or explosion. All these risk elements call for enforcement of Lemon law in the states of United States. This law helps consumer from all such threats and hazardous circumstances.

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Earl Powers, US Lawyer and Lemon Law expert - focusing on Used Car Lemon Laws and What Is The Lemon Law

Lemon Law - Make A Lemonade From Your Sour Experience

By: Amit Laufer

Lemon Law Background

The term “Lemon-Law” is a nick name derived from other common terms such as “Lemon-Car”, “Monday-cars” and “Friday-Cars”.

A lemon car is a defective car that, when purchased new or used, is found by the purchaser to have numerous or severe defects not readily apparent before the purchase. Any vehicle with these issues can be termed a "lemon car" and by extension, any product which has major flaws that render it unfit for its
purpose can be described as a "lemon product".

New vehicles directly from the factory may contain hidden mechanical flaws or defects in workmanship, usually caused by an error during the build process of the car.

These errors can range from parts being installed incorrectly, a tool that was used to build the car not being removed, a batch of materials with structural or chemical flaws or simply bad design. Usually, a car is labeled a lemon if the same problem occurs 3 times in a row over a short period, and previous attempts at repair have not repaired the problem. In most cases, if you get a lemon, lemon laws will make the company buy back the car or exchange it.

Many of you might remember that during the late eighties the average American consumer almost lost faith completely with the American made cars.

The amount of lemon cars along with the high rate of over the average visits to the car garages as well as the high repairs and spare parts cost, caused many Americans to switch to Japanese and even European cars.

This was a period of time when Americans were reluctant to go to the dealers garages and preferred to go to oil & lube services only.

At that time Lee Iacocca the CEO of Chrysler Corp identified immediately the problem of mistrust of American consumers in American made cars, Chrysler launched a campaign on national TV promising to provide a bumper-to-bumper warranty coverage for 50,000 miles or five years, which ever comes first! Then GM came with the answer of 60,000 miles or 6 years, which ever comes first! Chrysler returned with the final stroke of 70,000 miles or 7 years which ever comes first.

Few months later I went to the Buick main dealer garage in long Island,I was seating in the waiting room, next to me was a very nervous guy, I asked him why was he so upset with the garage, he explained to me that even though he had this bumper-to-bumper warranty It doesn't cover labor and the damn car is more than a week in the garage and they don't seems to be able to find what is the problem with the car...

The Magnuson-Moss Warranty Act is Known as the "Lemon Law"

The Magnuson-Moss Warranty Act is a United States federal law codified at 15 USC 50. Enacted in 1975, it is the federal statute that governs warranties on consumer products.

The Act was sponsored by Senators Warren G. Magnuson of Washington and Frank Moss of Utah, both Democrats.

State Lemon Laws have some differences like coverage of motorcycles and used vehicles, but there are some basic guidelines that they do share. (See 50 state by state Lemon Law Summaries at: http://autopedia.com/html/HotLinks_Lemon2.html).

In passing the Magnuson-Moss Warranty Act, Congress specified a number of requirements that warrantors must meet. Congress also directed the FTC to adopt rules to cover other requirements.

The FTC adopted three Rules under the Act, the Rule on Disclosure of Written Consumer Product Warranty Terms and Conditions (the Disclosure Rule), the Rule on Pre-Sale Availability of Written Warranty Terms (the Pre-Sale Availability Rule), and the Rule on Informal Dispute Settlement Procedures (the Dispute Resolution Rule).

In addition, the FTC has issued an interpretive rule that clarifies certain terms and explains some of the provisions of the Act. This section summarizes all the requirements under the Act and the Rules.

The Act and the Rules establish three basic requirements that may apply to a warrantor or a seller.

A. As a warrantor, you must designate, or title, your written warranty as either "full" or "limited."

B. As warrantor, you must state certain specified information about the coverage of your warranty in a single, clear and easy to read document.

C. As a warrantor or a seller, you must ensure that warranties are available where your warranted consumer products are sold so that consumers can read them before buying.

The laws define what a lemon car is and require that the manufacturer, not the dealer, takes care of the defects. If a number of attempts have been made to repair a defect that significantly impairs the use, value or safety of a car and the car continues to have this defect, the car is than considered to be a "lemon".

Most statutes set up a warranty rights period of either 12 to 24 months or 12,000 to 24,000 miles. The defect(s) must occur sometime during this period.

Many of the state laws contain specific guidelines as to what constitutes a sufficient number of attempts to repair, and whether these attempts entitle the consumer to a refund or replacement. These are:

a. If the defect is a serious safety defect involving brakes and or steering, the manufacturer is granted one attempt to repair.

b. If there is a safety defect that is not considered a serious safety defect, the manufacturer has two attempts to repair.

c. For any other defect, the manufacturer is usually given three or four chances to repair the same defect.

d. If at any time the vehicle is in the shop for a cumulative total of 30 days in a one year period, with at least one of those days occurring the first 12,000 miles.

If any one of these of these guidelines can be satisfied, the consumer is usually given the right to require repurchase or replacement of his/her vehicle.

Most lemon laws do allow an offset for use of the vehicle by the consumer. Oftentimes, a reduction in the consumer's purchase price return is used in relation to the number of miles he/she had put on the car. One law spells out the reduction in refund for use as follows:

(miles at time of refund X purchase price)/100,000

Only about one half of the lemon laws allow the consumer to recover attorney's fees in his/her action. Those states that do allow attorney's fees provide for a greater likelihood of success and representation in warranty disputes.

What the Magnuson-Moss Act – Lemon Law, Does Not Require

First, the Act does not require any business to provide a written warranty. The Act allows businesses to determine whether to warrant their products in writing. However, once a business decides to offer a written warranty on a consumer product, it must comply with the Act.

Second, the Act does not apply to oral warranties. Only written warranties are covered.

Third, the Act does not apply to warranties on services. Only warranties on goods are covered. However, if your warranty covers both the parts provided for a repair and the workmanship in making that repair, the Act does apply to you. (Source: http://www.ftc.gov/index.html).

Finally, the Act does not apply to warranties on products sold for resale or for commercial purposes. The Act covers only warranties on consumer products. This means that only warranties on tangible property normally used for personal, family, or household purposes are covered. (This includes property attached to or installed on real property.) Note that applicability of the Act to a particular product does not, however, depend upon how an individual buyer will use it.

Article Source: http://www.cajun101.com


Amit Laufer is a Writer & Internet Marketer MBA – International Trade & Finance. Bsc. Computers Information Systems. Owner Editor of: www.lemonlaw-cars.com/”>Lemon Law

Revealing The Truth Behind The Garnishment Laws

By: Henry Byers

Garnishment law has been in force to improvise the mode of collection of payment for the money due towards the federal government or any other creditor. Garnishment law also states wage garnishment according to which the money is deducted directly from the person’s salary after assessing the monthly expenses vis-à-vis monthly income.

Garnishment law can be levied by any agency and is not limited to the IRS. Any private creditor, federal government department, or even an ex-spouse can claim garnishment of the money overdue. Garnishment law can also be enacted towards the child support expenses. But for all agencies apart from the government department a court order is required to enforce the garnishment law.

Garnishment is taken as a part of payroll process. If the person is unable to pay the amount due as credit then the correct order for collecting the money has been stipulated in the garnishment law. According the garnishment law, the garnishment due to towards the federal government is to be collected first. Thereafter the money due towards state tax or local tax garnishment and lastly garnishment for credit cards falls in order.

Garnishment law in some states like Pennsylvania, North Carolina, Texas, etc do not allow wage garnishment at all except those related to taxes, child support, court order fines, federally-guaranteed student loans, etc. some states allow all kinds of garnishments even those levied by the private creditors. In some states garnishment law states maximum 25% of the disposable earnings to be levied as amount due towards payment.

Garnishment law also states types of garnishment law called as attachment. According to attachment the garnishee needs to hand over all the money or property during the service of process of the court. This type of garnishment as stated in the garnishment law is required only against institutions like banks, or other companies that face liquidated obligations in the regular course of the business.

The money withheld from any individual’s paycheck is handed over to the creditor or the agency towards which the amounts is due. Therefore it is suggested that while filing returns one must include the amount garnished from the wages. The garnishment law authorizes the pay of active, retired or reserve personnel to be garnished towards child or spouse support. As per the garnishment law, the garnishment says in effect until the total amount due towards the federal government of the agency is paid up or until the IRS department releases the garnishment.

According the wage garnishment law an individual’s salary, wages, or other income can be levied. It prevents the employee to be fired from the job in hand. If the employer fires the employee because of garnishment proceedings, then it is violation of garnishment law. Also the employer can be fined for the same. The Wage and Hour division of the Department of Labor determines the violation of the law. The IRS does not do this job.

Article Source: http://www.cajun101.com


Henry Byers, Retired IRS Manager and Garnishment Laws expert - focusing on Wage Garnishment and IRS Wage Garnishment

Lemon Law - The Basics

By: Jack Smith

Most people when the think of the word lemon, they think the sour, tangy and yellow fruit. What some people don’t know is that the word "lemon" also has a slang meaning that has become very popular over the years, especially in the automotive industry. This slang is commonly known as "Lemon Law"

Even though the term lemon is more commonly used to describe a cheap and junky car, it can be used for just about any merchandise that is faulty, poorly made, or broken. For example; someone is walking home one day and sees a flashy watch on sale. They try the watch on, checking over to make sure nothing was wrong with it and decide to buy it. When they get home it stops working and it appears broken. They call their friend and tell them "I bought this watch today, it looked like such a good deal, but when I got it home, it turned out to be a lemon!" This is only an example and one must realize that "lemons" exist in nearly all forums of products and services.

Using the word lemon this way has most likely become increasingly popular due to the many companies and crooked car sales men selling faulty products. In fact there is even a "Lemon Law" that obligates manufacturers or sellers to repair, replace, or refund the price of a motor vehicle if it proves to be defective. It is a good idea to become familiar with this law so that if you happen to purchase a lemon from a reputable manufacture, you can probably sue them for your money back.

If you are about to file a lemon lawsuit, you will undoubtedly need a lemon lawyer. Lemon lawyers are usually available for a fair price; however, you need to watch out so that you don’t hire yourself a lemon to fight a lemon!

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Jack Smith writes about various legal aid, lawsuit, lemon lawyer, and criminal lawyer topics. This article is free to re-print as long as nothing is changed, all links remained intact, the bio remains in full and the rel="nofollow" tag is not added to any of the links. Thank-you - Please visit this employment labor attorney resource for more Legal Aid Lawyer resources!

What A Divorce Lawyer Is Going To Do For You

By: George Royal

Getting a divorce is not something anyone looks forward to and it is certainly not something that we plan for when we get married. Unfortunately divorce is a reality for many people in many different situations. If you are getting a divorce or even just considering it then you need to be sure to choose the right divorce lawyer.

You will find many a divorce lawyer in your area but be aware that not all of them are as good as others. You need to have the best divorce lawyer that you can afford when it comes to your divorce. If you don't you could end up paying much more than you though and I am not talking about the divorce lawyer fees. I am talking settlement or even alimony or palimony. Then there is custody to consider if you have children. So take care with your divorce lawyer choice.

When you are trying to get a divorce your divorce lawyer is going to petition the courts to get your marriage dissolved. This means coming to an agreement in terms of all property and money that you as a couple have had possession of. There are several grounds for divorce and your divorce lawyer will help you to choose the grounds that suit your particular situation the best. You will have the choice of adultery, time apart, unreasonable behavior and sometimes even fraud or irreconcilable differences are the way to go. Bottom line is that you should never make any important decisions concerning your divorce without first talking things over with your divorce lawyer. Your divorce lawyer is the professional who has the experience that will help you through this trying time.

What will your divorce lawyer be doing all of the time they are working for you? Your divorce lawyer will spend most of his or her time working on the distribution of conjugal property. How your property is divided will depend on a couple of things. Some of these things will be how much there is to begin with and how much belonged to whom before the marriage, the length of the marriage and the place in which you live. Every country, even every state has its own rules concerning the distribution of property and only your divorce lawyer will be able to help you make all of the right decisions.

Your divorce lawyer is considered to be your legal representation. This means that this divorce lawyer is the person who will often speak for you in court and out of court. Your divorce lawyer needs to be present at every meeting that you have with your spouse’s lawyer or your spouse. Never talk about the case without your divorce lawyer being present and on hand. You never know what you could say that could jeopardize your divorce case, it is far better to be safe than sorry.

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California Lemon Law

By: Dr. D.S. Merchant


Lemon laws are made by United States state laws to help car consumers whose cars repeatedly fail to meet certain standards of quality and performance. The position of such cars is called lemons. The Magnuson-Moss Warranty Act or federal lemon law protects every one of all states and they vary by state. Lemon law may not cover used or leased cars. The Lemon law rights managed to consumers may go beyond the warranties expressed in purchase contracts. Lemon law is just a common nickname for these laws buy every state have their own different names for such laws and acts.

In California, anything mechanical is covered by lemon laws as well as the federal lemon laws. The federal lemon law provides that the warranter may be obligated to pay attorney fees if he is involved in a lemon law suit.

Used car purchases:
If anyone purchased a used car then there are two situations where he is qualified for cash or other lemon law benefits:

Situation #1: One may be entitled to compensation for breach of warranty if he had one of the following Warranties:

a) Any warranty left from the manufacturer when you purchased your vehicle (for example, almost all vehicles sold with less than 36,000 miles will have this. But if the warranty is longer, you may have even more time).
b) The vehicle was "Certified" by the Manufacturer (in which case it came with a short Manufacturer's Warranty, typically 1 year).
c) He purchased an Extended Warranty backed by the Manufacturer (typically 5 years or longer).

Normally, these types of cases fall outside the scope of the state lemon law but are covered under special federal lemon laws.

Situation #2: When No Manufacturer's Warranty Exists. If he does not have a manufacturer's warranty of any kind he may be entitled to compensation for violations of consumer protection laws that fall outside of the lemon laws. The following is a list of some of the problems and/or issues which may be present in your vehicle. Your vehicle may be/have a:

Laundered Lemon;
Previously salvaged or wrecked;
Fraudulently rolled back odometer;
Rental car, police car, taxi, etc.;
Stolen, stripped and rebuilt; and/or
Involved in a flood.

Since Lemon Laws vary from state to state so accurate information on the scope and restrictions of Lemon Laws in a particular state can be obtained from an attorney practicing in that state.

"As is" purchases:
If a person knowingly purchase a car in "as is" condition then he accepts the defects and void his rights under the lemon law.

Other lemon laws:
Lemon laws are not limited to cars. There are RV lemon laws, boat lemon laws, motorcycle, wheelchair and computer lemon laws.

If you have a defective Motorcycle, Motor Home, used car, leased car, or a car used for business purposes and your State Lemon Law does not cover these vehicles, you still have other recourses such as the Uniform Commercial Code and the Federal Magnuson-Moss Warranty Act (providing you were given a written warranty).

Article Source: http://www.financemanual.com



Ibrahim Machiwala is a successful writer and publisher of Automobile Law and legal issues, for more informative articles on Lemon Law.

Law Of Attraction, Money And You - Part Ii

By: Steve Lobe..


In the first part of this article, I had talked about how energy blockages can be a big hindrance to our quest for more financial resources. It is useless trying to use the Law of Attraction to attract more money if we do not take the first step of clearing away the blockages that prevent from manifesting it in our lives. How do we know we are suffering from energy impedance? The blockage symptoms include being stuck and unable to move forward beyond a certain point, no matter how much we try. And also when we start to find that despite repeating prosperity affirmations and visualization exercises, we just get frustrated because it does not seem to work!

Now I am going to share with you how you can identify and destroy the blockages that exists within you. And to do that, you need to answer three questions. You do not need to share them with me or anyone but you must be honest to yourself and answer truthfully:

1) Are there any aspects of my financial situation that makes me feel uncomfortable?

There are possibly many reasons. Some face mounting debts that they do not know how to handle; others just do not earn enough, while some face difficulty managing their finances well. You know yourself and must ask what situations are those that you usually try to avoid or even think about - these are the areas most likely where blockages happen. Pay attention to these areas to destroy the blockages.

Once you are clear what aspects of your financial situation that makes you feel most uncomfortable, ask yourself:

2) What do these situations say about the rest of my life?

More often than not, money, or the lack of it is the case of problems in our life. But we must understand that money problems are NOT just about money! Money is like a mirror for our passions, love, purpose, joy or courage or any other qualities that you may desire but lack. Financial abundance or lack usually reveals identical abundance or lack in other areas of your life. Look at your job, your health, your relationships, your self-esteem (and anything else you can think of), and see if you have blockages there too. Take time to consider all these carefully and once you've discovered correlations between your financial abundance and the other areas of your life, ask yourself:

3) How can I increase the flow of energy to these areas?

This critical question deserves careful thought. Something is blocked because of neglect or stagnation which results in energy flow blockage. And this can be traced to an unresolved situation or development of bad habits that do not help. Like a clogged pipe where you get little or no water, so is it with energy!

In order to clear the clog, you need to turn your attention upon it and take action to remove it.

Let's look at a couple of examples:

Blockage 1: What made me most uncomfortable about my financial situation was that I did not earn enough money. Ok, it is not a bad paying job but when compared to my peers, I was definitely earning much less. I was happy with my job, except for the pay and have often thought about seeking a better paying job or starting my own business. But I kept holding back. Why? I found that my blockage was this inherent feeling that I did not feel that I deserve to earn more. I had that idea because I kept thinking that I am not as capable or talented as my peers. I discovered that poor self-worth was the blockage that was holding everything back!

Resolution 1: In order to clear the blockage, I worked on changing my belief that I did not deserve to earn more money. I worked at some intensive self-esteem exercises to learn how to value my contribuitions to the world. And through encouragement of my better half, I build up the courage to move towards something better.

Blockage 2: Now if you know me, you will know that I am one big messed up guy as far as financial records are concerned. My checkbook has never been balanced and I always am late paying my credit card bills and end up paying late fee fines (the banks love me) and all these created a major financial drain on my financial resources. I never seem to have enough but I knew that the situation would be better if I just could organize or manage it better!

Resolution 2: Perhaps you are like me, but not necessarily with your finances but in other areas like your time management. Or perhaps you can never seem to get your house in order - everything is so cluttered that you have difficulty locating what you need. I found that resolving disorganization is easy once you set your mind to devote a definite amount of time each day to the required tasks. Commit a time to balance that checkbook. Make a date with yourself to clean the wardrobe. All these takes time and effort but you will see results. And as you continue at purging away the blockages by getting better organized, you will notice clearly that there is a greater and easier flow of energy (and money) into and through your life.

Your situation might be completely different from mine, but you can follow the same steps to clear blockages in your life. To summarize, here are the 3 questions again:

1) Figure out what makes you most uncomfortable. 2) Identify correlations with the other areas of your life. 3) Take action to dissolve the blockages.

When you do this on a consistent basis, you will notice that energy (in the form of money, as well as other qualities) will flow through your life much more easily and you will now be able to use the Law of Attraction in a much more conscious way.

Article Source: http://www.financemanual.com


Steve Lobe offers a free report on turbocharging The Law of Attraction and shows in his blog www.AbundanceLaw.com how all can lead meaningful and abundant lives.
You can get a unique content version of this article.

Texas Lemon Law

By: Dr. D.S. Merchant


Lemon laws are made by United States state laws to help car consumers whose cars repeatedly fail to meet certain standards of quality and performance. The position of such cars is called lemons. The Magnuson-Moss Warranty Act or federal lemon law protects every one of all states and they vary by state. Lemon law may not cover used or leased cars. The Lemon law rights managed to consumers may go beyond the warranties expressed in purchase contracts. Lemon law is just a common nickname for these laws buy every state have their own different names for such laws and acts.

In Texas, anything mechanical is covered by lemon laws as well as the federal lemon laws. The federal lemon law provides that the warranter may be obligated to pay attorney fees if he is involved in a lemon law suit.

Used car purchases:
If anyone purchased a used car then there are two situations where he is qualified for cash or other lemon law benefits:

Situation #1: One may be entitled to compensation for breach of warranty if he had one of the following Warranties:

a) Any warranty left from the manufacturer when you purchased your vehicle (for example, almost all vehicles sold with less than 36,000 miles will have this. But if the warranty is longer, you may have even more time).
b) The vehicle was "Certified" by the Manufacturer (in which case it came with a short Manufacturer's Warranty, typically 1 year).
c) He purchased an Extended Warranty backed by the Manufacturer (typically 5 years or longer).

Normally, these types of cases fall outside the scope of the state lemon law but are covered under special federal lemon laws.

Situation #2: When No Manufacturer's Warranty Exists. If he does not have a manufacturer's warranty of any kind he may be entitled to compensation for violations of consumer protection laws that fall outside of the lemon laws. The following is a list of some of the problems and/or issues which may be present in your vehicle. Your vehicle may be/have a:

Laundered Lemon;
Previously salvaged or wrecked;
Fraudulently rolled back odometer;
Rental car, police car, taxi, etc.;
Stolen, stripped and rebuilt; and/or
Involved in a flood.

Since Lemon Laws vary from state to state so accurate information on the scope and restrictions of Lemon Laws in a particular state can be obtained from an attorney practicing in that state.

"As is" purchases:
If a person knowingly purchase a car in "as is" condition then he accepts the defects and void his rights under the lemon law.

Other lemon laws:
Lemon laws are not limited to cars. There are RV lemon laws, boat lemon laws, motorcycle, wheelchair and computer lemon laws.

If you have a defective Motorcycle, Motor Home, used car, leased car, or a car used for business purposes and your State Lemon Law does not cover these vehicles, you still have other recourses such as the Uniform Commercial Code and the Federal Magnuson-Moss Warranty Act (providing you were given a written warranty).

Article Source: http://www.financemanual.com



Ibrahim Machiwala is a successful writer and publisher of Automobile Law and legal issues, for more informative articles on Lemon Law.

Business Rehabilitation and Bankruptcy Law in Thailand

By : Wolfgang Jaegel
In Thailand, Bankruptcy Laws form part of the Commercial Law. Thai bankruptcy law is devised in such a way not only to help debtors to distribute their property but also to help them in rehabilitating via several reorganization provisions.

In other words, the Bankruptcy Law includes the Bankruptcy Act for Business Rehabilitation. The Business Rehabilitation Law was introduced in 1999 as Chapter 90 of the Thai Bankruptcy Law BE 2483. The main purpose of the Business Rehabilitation law is to assist a debtor facing liquidity problem by giving him an opportunity for rehabilitation before being insolvent.

The procedures in connection with rehabilitation are usually commenced by an eligible petitioner by filing a petition with a provincial or a civil court as per the domicile of the debtor. However, petition for business rehabilitation could be filed only if the debtor's overall debt comes to an amount that exceed Baht ten million. Likewise, In order to file a petition for business rehabilitation, certain legal and perquisites must be complied with such as:

- The names and addresses of creditors must be specified to whom the debtor owes in total at least an amount of Baht ten million
- Specify reasonable methods in order to rehabilitate business functions
- Proposed planner's name as well as qualification
- Planner's consent
- In case the petitioner is debtor, then details regarding assets and liabilities must be given
- Consent of authorities which is applicable as mentioned below :
1.In case the debtor is commercial bank or finance company, then the consent of the Bank of Thailand
2.In case the debtor is a securities company, then the consent of the Office of the Securities and Exchange Commission
3.In case the debtor is a file insurance company or a casualty insurance company, then the consent must be of the Insurance Department

On filing the petition as per the above grounds, the liquidator will start the case once when he confirms and proves that the debtor's assets could not pay off liabilities. The court's concern with regard to the business rehabilitation is mostly on the basis of debtor's balance sheet as well as accounting documents and liquidator's power of arguments. Discussed further in detail in this article are procedures with regard to business rehabilitation.

According to the Article 90 of the Bankruptcy Act, once the petition for business rehabilitation is accepted, a planner is appointed, who in turn possesses duties and powers to manage the debtor's business as well as assets. In case, a planner is appointed, then the debtor executive's power in administering the business and assets would cease. In such a situation, until the appointment of a planner, the court will employ one or more persons or sometimes the debtor's executive for a temporary period to deal with the debtor's business and assets under the administration of the receiver.

During this interim period, the receiver has complete right to administer interim executives and to order them to prepare explanation regarding the account details as well as anything pertaining to the management of business and assets. The interim executives would be relieved from the powers of receiver by the court when the receiver makes a motion.

In such situations, the court would employ new provisional executive to presume the office. In case the court does not appoint interim executive, then according to the Section 90/20 of the Bankruptcy Act, the receiver would be given power for a temporary period to manage debtor's business and assets. Likewise, according to the Section 90/21 of the Bankruptcy Act, until a planner is appointed, all of the rights of the debtor's shareholders would be suspended except for in the case of right to obtain dividends.

Once the acknowledgement order for business rehabilitation has been received, the debtor's executive should handover everything from assets and seals to book keeping ledgers and documents pertaining to business, assets, and liabilities of the debtor to the provisional executive or the receiver.

Nowadays, a number of leading law firms is in the scenario to provide excellent services in connection with business rehabilitation and bankruptcy. Many of them undertake a plethora of such services in connection with business reorganization as analysis as well as consultation with creditor or debtor, filing petition for business rehabilitation, plan administration, and planner representation.

Article Source: http://www.articlemanual.com


For nearly 30 years, Bamrung Suvicha Apisakdi Law Associates (BSA Law) has focused on providing reliable legal advice and services to the Thai and foreign business community in Thailand. We provide international standards of legal services while retaining the customs of the Thai business culture.

Labor Law In Thailand

By: Wolfgang Jaegel


In Thailand, all of the rights and duties pertaining to employers and employees are usually governed by a series of laws and regulations. Among the different acts that govern labor issues in Thailand are Labor Protection Act BE 2541, the Labor Court and Labor Court Procedure BE 2522, Labor Relations Act BE 2518, Social Security Act BE 2533, Thai Civil and Commercial Code, Provident Fund Act BE 2530, and Workmen's Compensation Act BE 2537.

Usually, according to the employment law in Thailand, an agreement that has been established between the employer and employee should not be less than the minimum requirements or standards devised by the law.

The Labor Protection Act and other relevant acts dealing with the labor issues have set some specific rules and regulations for each and every aspect with regard to an employment such as working hour, remuneration, child labor, female labor, sick and maternity leave, dismissal as well as termination of employees, welfare and social security of employees, and hiring of employees services.

Working hours in an organization is usually on the basis of nature and type of work. In most cases, working hours should not go above eight hours per day or 48 hours each week. In case of such works that are harmful for the health of an employee, then working hours should not exceed seven hours a day or 42 days a week.

Under the Thai employment law, an employee's maximum probationary period is 120 days. Further, the Labor Law entails every employer in Thailand to provide its employees at least 13 public days each year and at least six vacation leaves on completion of a year's services.

Likewise, employees are eligible for annual sick leave of 30 working days each year. Apart from sick leave, pregnant employees are eligible for maternity leave of 90 days with 45 days' full wages. When comes to remuneration, an employer is required to pay all benefits, apart from normal salary, that form part of the employment. In addition, the basic remuneration paid by an employer must be in accordance with the minimum wage as prescribed by the Ministry of Labour and Social Welfare.

Al though, male and female employees are treated alike in a employment, a female employee is prohibited from working in certain organizations or work environments such as construction as well as mining work which are performed underwater, tunnel, or underground, and transportation and production working conditions in which it is necessary to deal with inflammable or explosive items.

Likewise, there are also certain exceptions for pregnant female employees. In other words, an employer should not ask a pregnant employee to work overtime as well as work on public holidays. Further, they are also not allowed to work in certain environments such as on plants, construction firms where it is necessary to carry loads on heads or shoulders, and ships and other water going vessels.

In the case of child labor, the minimum age in order to employ a child labor is 15 years of age. But, to employ a child below the age of 18 years, it is necessary for an employer to notify it to the labor inspector within 15 days as of the date that the child starts his work. An employer is required to give a child labor a rest period of one hour for every four hours he has worked.

Similarly, an employer should not ask a child employee below 18 years to work overtime or on holidays. Additionally, child labors below 18 years are not allowed to perform dangerous works such as rolling as well as stamping metal and works dealing with unsafe chemicals and poisonous microorganisms.

A child below the age of 18 years is also strictly prohibited from certain establishments such as gambling centers, slaughterhouses, dance clubs, and center where liquors and other related beverages are served. Above all, an employer is required to pay the remuneration or benefits of child employees only to child employees and not to any other persons other than the employees.

Now we will discuss laws and regulations pertaining to termination and dismissal. A notice in writing must be provided to an employee prior to his termination. However, according to the Labour Protection Act BE 2541 (1998), an employer can dismiss or terminate an employee without any notice or severance payment in any of these following circumstances such as

- Performing his or her duties and responsibilities dishonestly
- Committing any kind of criminal offense
- Negligence from the part of employee that leading to serious damage or loss to the employer
- Disobeying working rules and regulations devised by the employer
- On imprisonment as per the final judgment of imprisonment

Nowadays, a lot number of law firms are in Thailand to help you dealing with the Thai labor law. Usually, these law firms provide a continuum of services in connection with labor issues such as labor disputes, labor court representation, payroll issues, social security, labor law compliance issues, and more.

Article Source: http://www.articlemanual.com


For nearly 30 years, Bamrung Suvicha Apisakdi Law Associates (BSA Law) has focused on providing reliable legal advice and services to the Thai and foreign business community in Thailand. We provide international standards of legal services while retaining the customs of the Thai business culture.

Law-of-attraction-you-do-not-attract-what-you-want

By: Daniel Hinds



If there is one secret to the attraction process it is this one nugget of truth. Try to master it and you will find a big difference in your ability to attract easily and faster than ever before.

What is this secret you are asking? First ask yourself, “What do I want?” Make a list of those things you want. Now ask yourself how does it feel when you do think of those things. Most people will tell you that they feel sad, frustrated down and needy. All those feelings are in total disharmony with the actual feeling of having.

Now ask yourself how would you feel if you NOW had all the money in the world to do the things that you really want to do?

Can you feel just how different that feeling is? There is a distinct feeling of pretending or imagining what it is to now have the thing that you “want.”

To successfully apply the law of attraction you must move into the feeing of having as apposed to the feeling of wanting. One of the most difficult things for most people to do is to bring themselves into the feeling of having. It’s not easy but there are many techniques that can easily bring you into that state with great easy.

The mehtod to successfully manifesting is to vibrate on the state of already having and the more you can feel yourself in a clear, balanced and rich state with an abundance of energy the faster you can materialize what you want.

There are many ancient teachings that use various spiritual tools to bring themselves into a fast alignment to manifest in magical ways. What we struggle with such as money, home, relationships could easily be gained as we learner the be in the state of harmony with those things.

The law of attraction and the principles of manifesting are actually quite fun if you can simple move out of the heavy states of fear and neediness.

A child would learn to manifest much faster than an adult. Most adults struggle simple to believe that the law of attraction actually works. That happens to be the biggest obstacle to apply the attraction principles. If believing is so hard to do then its only natural that there would be lots of fear and tension associated with attracting.

If you are fearful and have any doubt then you are in the state of wanting and not having.

Article Source: http://www.acmearticles.com


Do you know that there are ancient techniques that can increase your manifesting intentions and attract what you want even faster than ever? Visit www.cosmic-wealth.com to learn more about these secrets teachings. Daniel Hinds is the author of the powerful ebook Magic Money.
Submitted by: Free Article Publisher

Law-of-attraction-how-to-be-a-money-sucking-magnet

By: Daniel Hinds



You are about to discover one of the important steps to allowing the law of attraction to bring you riches beyond your wildest desires.

One of the biggest flaws that most people make in their desire to attract more money into their lives is their inability to be flexible about the way in which money enters their lives.

Perhaps you are one of the people who have discovered the law of attraction and you may be wondering how you can increase your finances. Maybe you are duped into believing that you can wish away and make millions on the lottery.

It isn’t that you couldn’t win the lottery it is just that you are missing one most vital tool to doing so and that is the power behind the intention. This of course is a secret few people realize and so people flounder with their manifesting techniques.

It is surprising just how many educated and seemingly intelligent people spend most of their time dreaming up a win in the lottery. There is nothing wrong in dreaming of winning the lottery. However what is limiting about that focus of ones energy is how limited it can make a person.

People who are discovering the law of attraction do not open themselves to the many possible ways in which money can enter their lives.

People have forgotten that life is a school for greater learning of the soul and if you allowed yourself to become inactive and lazy you would surely miss the many wonderful schools of teachings.

There are many lessons which the universe has to teach you about your very own self and that can only be done though your interaction with others. The dynamic flow between others is far more rewarding and it is also the true secret essence to amassing money and great wealth.

Did you get that secret? Did you hear it or did you fly pass it?

True money attraction requires that you be open to the magic right around the corner and it starts with the exchange of your talents and abilities to give and nurture the lives of others. You can start where you are at your job. You can begin to interact with the boss in a certain way and that way will bring you money beyond what you have previously experienced.

You do have the power to manipulate money as long as you understand the energy that goes with money.

Discover the advanced techniques to spinning money out of thin air using the law of attraction. Discover just how you can attract wealth exactly where you are.

Article Source: http://www.acmearticles.com


Do you know that there are ancient techniques that can increase your manifesting intentions and attract what you want even faster than ever? Visit www.cosmic-wealth.com to learn more about these secrets teachings. Daniel Hinds is the author of the powerful ebook Magic Money.
Submitted by: Article Marketer

Law-of-attraction-the-number-one-killer

By: Daniel Hinds



Is the law of attraction working for you as you would like? For most people the answer would be a bit lukewarm. That’s because the real secret to apply the law of attraction is still not fully known by most people. I know the moment I discovered the missing link I instantly saw a rapid increase in attracting the things I want. The results were so phenomenal that it blew me away.

It’s understandable that most people are having a hard time in manifesting what they want because the most important component is not full understood.

To fully benefit from manifesting one must increase their over all personal manifesting fuel. We all have a certain amount of manifesting substance but one of the number one killers of this creative substance is resentment.

There are so very many people who hare filled with thoughts of resentment which depletes their soul of the vital manifesting essence.

Resentment works as a virus in the mind and in the body. Not only are you constantly engaging the law of attraction when you focus this strong emotion into your reality but you are also depleting your good creative fuel.

Positive thinking and the law of attraction is a perfect formula for success but positive thinking has several necessary additions.

When you invest in thoughts of resentment you are also creating a body which vibrates on a very low and damaging frequency. Resentment is an energy of lack which literally draws on your manifesting fuel, depleting you of what is crucial to attracting what you want. What in turn happens is that you continue to remain in a very hard and painful cycle.

If you are vibrating thoughts of lack you can spend hours thinking and wishing up all that you want but sadly you will struggle before you do get it.

If you have ever felt stuck and wondered why you could not attract better circumstances or the money or people that you desire to meet, ask yourself if you are resentful of anything or anyone in your life.

Article Source: http://www.acmearticles.com


Do you know that there are ancient techniques that can increase your manifesting intentions and attract what you want even faster than ever? Visit www.cosmic-wealth.com to learn more about these secrets teachings. Daniel Hinds is the author of the powerful ebook Magic Money.
Submitted by: Super Article Submitter

Law-of-attraction-why-fear-is-the-one-secret-holding-you-back

By: Daniel Hinds



If I told you that I were about to give to you the greatest secret to conquering everything you could ever imagine would you believe me? If I told you that you can manifest one million dollars within thirty days would you think it was a pipe dream or another faulty law of attraction ploy?

The fun thing about this secret is that although you know what it is, its still quite hard to conquer it if you don’t have the correct tools.

The core of to successfully applying the law of attraction is to become aware of your fears associated with what you wish to attract.

Its take money for example, have you ever noticed that many advanced spiritual teachers who have the ability to manifest things can still be poor?

It would seem odd that someone who knows the secrets to law of attraction and the ways to manifest could still struggle with some sort of poverty.

The reason why you don’t have what you truly desire is because of your fears that
1)You are not worthy of what it is you really want.
2)You fear that you do not have what it takes.
3)You fear that there is a limited supply in the world and you can’t have it.
4)You fear the responsibility that comes with having it.
5)You fear that it will be taken away from you once you have it

Sadly you may have struggled to manifest what you want without success not realizing that your fears become your beliefs and your beliefs become your reality.

The difference between the man who goes out and makes a small amount of money by selling a thing and another man who makes millions of dollars by selling that same item is that one has discovered the secret to shrinking his fears by allowing his vision to supersede his fears.

Those lower emotions such as fear and doubt can be altered by raising your energy to such intense levels that it works as a vortex to suck in the things which you desire to manifest.

The knowledge of law of attraction by itself is not sufficient in the manifesting process. To manifest you must learn to alter your own state of being at a much finger level.

Abundance is your if you can elevate your fears to higher more intense states. You can attract a life of abundance more easily, you can manifest change with easy.

Article Source: http://www.acmearticles.com


Do you know that there are ancient techniques that can increase your manifesting intentions and attract what you want even faster than ever? Visit www.cosmic-wealth.com to learn more about these secrets teachings. Daniel Hinds is the author of the powerful ebook Magic Money.
Submitted by: Super Article Distributor

Law-of-attraction-are-they-killing-your-money-flow

By: Daniel Hinds



Learn what one man shared with me about the biggest money killer in is life. This is extremely important to your acquiring money or anything else for that matter.

One of the biggest obstacles many of us have in this life is in dealing with the opinions of others. It’s bad enough that you have your own fears and doubts but when you add that to the negative thoughts and words form others it can be detrimental in your ability to manifest what you want.

I met a man many years ago who told me a story about his first try at starting his business. It had been is life long dream to have his own business and he had been preparing and planning for it for many years.

When he first begin his business he was dating a woman who wanted to get married to him. In all appearances he seemed to be doing very well. In the beginning his business did very well, his client base was increasing daily and he could not be happier. Then it happened, all of a sudden he began to do very poorly. He began to loose clients quickly and somehow a dark gloomy cloud seemed to hover over his affairs.

He could not pin point what was happening but it seem like a super natural force had taken over his life. The reality was that there was something killing his financial flow and blocking his ability to attract more wealth.

This doom an gloom took over his whole body and it began to affect the relationship he was in until it came to a quick end.

Shortly after the relationship broke apart he business once again took an upward sing and the change was rapid. What could be the cause of that? He wondered to himself. What has so dramatically blocked his ability to attract the abundance that he was once again getting?

Being a very reflective man he began to inquire about what had changed in his life to cause the change. On further reflection it occurred to him that the woman in his life did not want him to be as successful as he was now getting.

Looking back he realized that every single night she complaining to him that money was not that important and that he should just maintain a small client base.

She was filled with fear that he could become too busy to spend time with her and also fearful that he would become too wealthy and no longer want her.

She bombarded his mind daily with these worried and in time those thoughts really affected his ability to manifest the sort of wealth that he was trying so hard to build for the both of them.

Not everyone has the insight to examine the people who block us form attracting the things that we want in life. Not everyone will have success with the law of attraction for this simple reason. We don’t realize that we don’t create on our own we are always being influenced by those around us.

It’s the reason most wealthy people will tell you that in order to manifesting what you really want in life you must be in the presence of like minded people who will also life you up.

Article Source: http://www.acmearticles.com


Do you know that there are ancient techniques that can increase your manifesting intentions and attract what you want even faster than ever? Visit www.cosmic-wealth.com to learn more about these secrets teachings. Daniel Hinds is the author of the powerful ebook Magic Money.
Submitted by: Auto Article Distributor

Law of Attraction Article: Let The Universe Handle Your Holidays This Year While You Get To Enjoy Them

Author: Janeen Clark
I love the holidays! I didn’t always feel that way, however. In theory I wanted to love them, but in reality the craziness that always took over the entire month of December made it almost impossible.

The decorating with the tangled lights, the shopping with the long lines, the must have items you just couldn’t find anywhere, the invitations that clashed, the numerous holiday functions at the school which there was no time for, and those darn Christmas cards. I used to look at any person who actually got their cards out within the first two weeks of December as if they were Gods. My friends and family considered themselves lucky if they received mine by January 15th…Correction... They considered themselves lucky if they received them at all.

And each year it just seemed to get worse. More crazy -- more frantic. I actually started to dread the upcoming holiday season knowing that there would be no rest until December 26th.

That is, until I decided to put the Universe and the Law of Attraction to work.

I have been studying the Law of Attraction for over 15 years, and it amazes even me that I never thought to really test its abilities during the holiday season. It wasn’t until about two years ago that I decided to really “hand the holidays” over to the Universe to deal with while I went back to enjoying them.

So I decided to write a list. A play-by-play if you will of how I wanted my holiday season to progress.

First I started with a letter stating my intentions.

“Dear Universe:

This year I choose to enjoy every possible moment of this holiday that I can. I expect you will handle everything I want accomplished smoothly and easily. I will watch for signs from you that will help things along and I am grateful in advance for all of your help.

Thank you,
Love Me.”

Then I specifically stated my intentions:

1. Decorating goes smoothly and easily. Everything works perfectly. If there is some decoration that I will need to buy, I know you will urge me to buy it at the right time and place beforehand.

2. Christmas cards go out effortlessly. I will get the perfect picture of my son and find the easiest and most cost effective place to have the cards printed .

3. Presents. I will find every gift on my list with ease. I will pay attention to any nudges you give me and head to places you direct me to.

4. Sales. I choose to purchase all the items on my list at wonderful prices. I trust you to lead me to the best places to buy them at the right time.

5. Gatherings with friends. I trust that the timing of all social engagements will coincide perfectly. Me and every one else involved will be satisfied and happy.

There were a few more things I put on the list, but you get the idea.

Then I started my holiday season with the confidence that the Universe was working behind the scenes and watched as it unfolded.

1. Decorating did go much smoother than ever. I was in a discount store that was having a sale on Christmas lights. I felt the urge to pick up a few strands (about three I think) at a great price and a few other knick knacks I felt pulled to buy that were very reasonably priced. Sure enough when it was time to decorate, the things I purchased fit in perfectly to create the finished product with very little effort.

2. Christmas Cards. My girlfriend emailed me a picture she had taken of my son in October in front of a bunch of large pumpkins that I had forgotten about and it had turned out awesome! Then she recommended that I use an online Christmas card service that was much faster and cheaper than the place I had normally went to every year. My cards and envelopes arrived in the mail with 4 days and I didn’t even have to leave the house! What a huge difference from previous years of long lines at the photo place getting my tired and cranky son to smile. The cards were perfect!

3. Presents. I had written out most of my list of what gifts I had wanted to get certain people. Then I kept my eyes open. At times I felt led to check out a certain news flier, at others, I felt an urge to go to a particular website or store. Sure enough, not only did I find everything I needed, but quite often at a huge discount due to a sale. Quite a few of the items online even had free shipping. It was awesome!

4. Sales and discounts (see above).

5. Gatherings with Friends. Sure enough everything fell into place here as well. Where normally I had 2 or 3 invitations that would clash - this time the timing worked out perfectly. One would be a holiday brunch - another for later in the evening. (Actually one invitation did clash - but I didn’t really want to go to that one anyway, so I was glad I could say I had something else planned - Yeah Universe!)

Then last year came the best “miracle” of all. My son wanted the Wii system (actually I kind of did too). As you probably know last year it was the most impossible gift to find. The ones online were going for at least $500 and up each, and on principle I was not willing to pay that kind of money for a gaming system. So I decided to hand it to Universe.

This one I chose to write down on its own sheet of paper. I wrote down that I wanted to find the Wii system at its regular price by Christmas time and thanked the Universe in advance for supplying it. Then I did my part by telling everyone I knew to keep an eye out for the system when they were out shopping. (I can’t tell you how many laughs and “good luck with thats!” I received) but I didn’t let it deter me. I also envisioned my excitement when I received it and I envisioned my son’s excitement when he opened it on Christmas day.

Sure enough about a week before Christmas my brother calls me from his cell phone in disbelief. He was in Target just as a store clerk came out of the storage room with about 4 or 5 systems on his hand truck. My brother snatched one up before it even made it to the shelf! The funny part about this is my brother normally does not shop for Christmas. He is totally a gift certificate man. But he happened to need something for himself in the electronics section when he saw the clerk come out! I still get chills when I think about this. (No matter how many times the Universe comes through for me, I always get these chills. There is no better feeling!)

So it is time for you to get started making your own Holiday list for Universe. Think of it as your own private Santa Claus. And all you want for Christmas is to actually enjoy the holiday a little.

If this is your first time doing this, do not feel discouraged if things don’t fall in place immediately. Stay with it. Take notice of the little “miracles” that keep happening and let it boost your belief system. If you feel yourself getting stressed remember to go back mentally to your list and know that all is well.

Happy Creating and Happy Holidays!



About The Author

Janeen Clark is a Spiritual Life Coach who has been teaching, studying and applying the Law of Attraction for over 15 years. If you would like more fun ways to use LOA visit her website at http://www.theveryhappyhuman.com

Internet Is A Gold Mine For Mesothelioma Lawyers

by: Sam Gurgis
One man's misery can be another man's fortune. This seems to be the case with the mesothelioma victims on the one hand and mesothelioma lawyers on the other. An online feeding frenzy is currently taking place. The average mesothelioma case today is settled at around 1 million dollars, and that figure jumps to 6 million dollars when the lawsuit goes to the courts. With such enormous money to be made, legal firms are hungry for a slice of the action, and are shelling out big money for online visitors. The result is that search engines and other sites that can supply them with those visitors are racking up huge revenue.

It works like this. In the sponsored listings of search engines, clicks (visitors) are auctioned off to the highest bidder. When someone searches “mesothelioma”, the highest-bidding law firms appear. With the keen competition, these firms are paying as much as $100 per mesothelioma-related visitor to their web site. That’s $100 every time someone just clicks on their ad - and a lot of the clicks are from competitors. Less than one in ten visitors may actually submit an inquiry about the services of the legal firm. And only a fraction of the inquiries convert into clients. Therefore, it is costing lawyers tens of thousands of dollars in advertising to secure a single client.

There is something truly obscene about this situation. But, it is inevitable that while there is huge money to be made from litigation, lawyers and publishers will continue to hustle for their slice of the action. You can even find these vultures on YouTube making an undignified pitch for business. If only a portion of the money could be directed to cancer research. Perhaps these legal firms and others who profit from this horrendous disease should consider donating a portion of their gains to research organizations. By doing so, they may appear a little more genuine and less like vultures.

Mesothelioma is a form of cancer linked to asbestos exposure. In fact, 70% to 80% of mesothelioma cases are caused by a history of exposure to asbestos. It can take decades for the symptoms to appear. Each year, approximately 2,000 to 3,000 new cases of mesothelioma are reported. In the past 20 years, the number of reported cases has increased significantly. Although it can take up to 50 years for symptoms to manifest, mesothelioma patients experience a host of symptoms. These include shortness of breath, or a wheezing and hacking cough, which often lead to chest or abdominal pain. In the more serious cases, individuals may have bowel blockages, anaemia, a bloody cough, and jaundice. It is extremely difficult to secure accurate statistics about how many individuals suffer from mesothelioma because in the early stages, the symptoms are quite similar to various other conditions. This often leads to a misdiagnosis of the disease. In addition, when an accurate diagnosis is finally made, the disease has typically already progressed to a more advanced stage.

With the renovation craze that has occurred in the past 2 or 3 decades in countries such as Australia and the US, it is expected that the high rates of diagnosis will continue for decades to come. And as long as there is money to be made from this disease, the vultures will also be around.



About The Author

Sam Gurgis is a scientific writer and the webmaster at http://www.mesotheliomawise.org. Full article is available at http://www.mesotheliomawise.org/category/mesothelioma-lawyers/

Law of Attraction, Subconscious Mind Power and Manifesting Your Desires

by: Leon Edward
Control your life, start with controlling your thoughts and your mind and absolutely manifest your wildest desires. There is a catch. We may even be attracting into our lives the things we don't want. Learn the mistakes that you can avoid and exact techniques to attain your desires in record speed. The irresistable, natural law of attraction works perfectly every time, only our ability to clearly use this law and the pitfalls described can be counter productive.

Quantum physics has shown all matter is simply a certain vibrating rate of energy. All energies will gravitate to other energies of the same or similar vibrating energy rates. Our thoughts and beliefs also vibrate at certain frequencies and energy levels. Thoughts of ours as having their own vibrational frequency not only attract into our lives similar vibrations from people, events, ideas, even financial status and opportunity but they also imprint our subconscious mind blueprint. So you can see that we really need to be sending the right signals or else even our subconscious mind can in actuality be working against us! This way, we can attract more of the same vibrational level thoughts of the people, circumstances, things, events that are in sync with our own desires.

Whatever you focus your intentions on, you will attract into your life. What? You may say, - No way did I attract this mess into my life! - . Well , in fact maybe you did, by mistake. Here is an important key in the law of attraction. Whenever you focus on something you do not want, you start the vibratory patterns of yours that attract the very thing you are trying to avoid. Very simply stated, if you focus on what you want , you will get it but if you focus on what you do not want, you will get it too.

People , as I once did, can get focused on something negative. As examples; maybe it is bills, maybe it is a bad habit, lack of a partner , etc. By focusing your attention on it , even trying to rid it; you are attracting the very thing you want to get rid of! Instead, in order to receive our desires into our lives, we need to allow them. For example, instead of focusing on - not being broke all the time - , just relax and allow riches into your life. Another example would be instead of focusing on not having a loving relationship, be happy, content and be a joy to be around - send out positive vibrations of how great it is to be in a loving relationship. You will have a circumstance where you will attract another person with similar thought patterns. So focus on your desires. Let this be your overriding mindset.

A technique to keep focused on your desires and manifest them quickly is visualize these desires as if you had them now, in the present and feel the emotional state that they bring you. Focus on the benefits whether they be personal , materialistic, effecting others, achieving goals or other desires. The best time to practice this visualization is early morning and late at night before sleep. Both times are best but if you only can spend one fifteen to twenty minute session or so , make it early in the morning. Creating a desire manual or scrapbook if you will, made up up pictures of your own desires whether they be relationships, travel, new sportscars, homes, diamonds, donations, or other. Whatever it is focus on these each day. What emotional state will you have when each of these is manifested. Imagine exactly how that feels. If you felt that way in an earlier portion of your life, use that memory to get that feeling again. The stronger the emotion the better. Also, your certainty of you attaining the desires plus your belief that you will, should both be strong. This way you will attain your desires the quickest.

As mentioned, an important point in achieving your desires is that you must believe what you desire .

The strongest, fastest way to manifesting your desires is to believe as if you already had your desire.

This is not always easily for many . However, if instead of saying you have these desires, just change your thinking to an intention. Here is an example . Instead of the following statement.

I have a 70 foot luxury yacht. Use this next statement for better belief.

I choose to have a 70 foot luxury yacht . Or even better,

It is my intention to easily own a 70 foot luxury yacht.

You may have noticed that I did not mention a time constraint. I know many successful people have used a milestone date in the future where you will attain your desire . I have myself in the past successfully. However, with programming the subconscious setting milestones can even be detrimental . I mean this in a way that your subconscious might work faster than you even thought possible. And get this. It may multiply your desires to limits that you did not think possible. So whatever you do when you plan the desires you will attain, set no limits and ALWAYS pledge to meet your desires in an ethical manner that will benefit you and others in the best way possible to add value to peoples lives. By repeatedly practicing these steps, you will get a stronger belief and certainty and such control your life, start with controlling your thoughts and your mind and absolutely manifest your wildest desires.



About The Author

Leon Edward 's intention is help people awaken their inner potential, subconscious mind power and to make people aware of the unlimited power they were given at birth. He helps people achieve goals and dreams through understanding and following the universal laws, subconscious programming, hypnosis, law of attraction and mind power.

Learn more at his website http://www.ThePowerofTheSubconscious.com/

Interesting Facts About The New Business Tax Law

by: Dean Forster
Before getting involved into any business deductions, one should first have a good understanding of the business tax law. The business tax law involves the taxation of income and property acquired through professional efforts. In addition to income tax, there is sales tax, capital gains tax, property tax, and other areas of tax. Every business liable for income tax must keep a record of all transactions made so that the total amount of the gross income can be estimated. The interesting thing about business tax law are the changes made by the Bush administration with the 'Tax Increase Preven-tion and Reconcilia-tion Act of 2005.' This act includes several important business tax changes that will examine.

The new business tax law allows small business to deduct up to $100,000 of investments in qualifying depreciable assets through 2007. Also, under current law, the domestic manufacturing deduction is also limited to 50% of a taxpayer's total W-2 wages. The new law modifies the wage limitation so that taxpayers may only include W-2 wages that are deducted in arriving at qualified production activities income.

For all you business owners out there, there are some advices that you can use in respect to those business tax law changes. First of all, you can continue to treat dividend payments at the lower rate.

The main business tax increases in the new law consists of - limiting the foreign earned income exclusion for housing expenses; repealing the foreign sales corporation and extraterritorial income exclusion benefits for certain "grandfathered" contracts; denying tax-free treatment to certain "cash-rich" spin-off transactions; and requiring withholding after 2010 on government contract payments.

The act also modifies certain corporate estimated tax payment requirements for large corporations (those with a minimum of $1 billion in assets), requires reporting of interest on tax-exempt bonds, and applies the earnings-stripping rules to corporate partners. Other business revenue-raisers affect foreign investors in U.S. real estate, major integrated oil companies and pooled financing bonds. Find out more about tax law and tools at http://www.localtaxabatement.com

According to the new business tax law, the self-employed tax contribution base is increased from $94,200 to about $102,000 in 2008. The self-employment tax rate continues to be 15.3%. The full rate applies to the first $102,000 of self-employment income; after that only the 2.9% Medicare tax applies.

Keep in mind that US business are taxed on their worldwide income. In other words, no matter where your business earns money from (in terms of geographic locations), it's still treated as income taxable in the US. There is just one exception to this rule and it's only if your business is located outside of the US and you reside there for most of the year.



About The Author

Dean Forster

Learn more about business tax law and Tax Abatement including time saving software and information at http://www.localtaxabatement.com

The Secret Master Keys And The Law Of Attraction - Keys To Conscious Co-Creation

by: Stephen H Lockie
In 1933, for all intent and purposes, The Master Keys disappeared from public light, a decision was made within the hierarchy of 'the church' stating "The Master Keys will never be revealed to the public"... I'm sure the vatican was heated by many a book relegated to the furnace... "it is easier to control the poor, than control the happily wealthy"... I'm also sure a few were kept in 'The Archives' for their own use to accumulate the huge sums of money, art, sculpture, manuscripts, real estate etc they have.

Well, you can't keep something like this hidden for ever, and in the first part of the 1990s, when the Silicone Valley millionaires and billionaires were being made, it is well known they all read the text and went on to create the biggest stockmarket boom in history. Bill Gates is said to have come across a copy a couple of years into his Harvard University studies and soon after dropped-out... to create for us all the means to access information at our finger-tips... "putting a computer in every home" may seem a lofty goal, fraught with obstacles and difficulties, but that certainly didn't stop him from achieving it, and becoming one of the richest men on the planet to boot...

It is our birth-right to live in abundance. Charles Haanel knew this, and many others before his time and since have known it... now it's our time to experience The Secret Master Keys and allow ourselves to achieve all that we desire... Health, Wealth, Happiness and Abundance in all things... to live a life of joy.

Let me give you a glimpse of the wonderful gems Charles Haanel has given us... from Key One of the course... Paragraphs 2, 3, 6, 7 & 31;

"Mind is creative, and conditions, environment and all experiences in life are the result of our habitual or predominant mental attitude".

"The attitude of mind necessarily depends upon what we think. Therefore, the secret of all power, all achievement and all possession depends upon our mode of thought".

"There is a world within - a world of thought and feeling and power; of light and life and beauty and, although invisible, its forces are mighty".

"The world within is governed by mind. When we discover this world we shall find the solution for every problem, the cause for every effect; and since the world within is subject to our control, all laws of power and possession are also within our control".

"Every thought therefore is a cause and every condition an effect; for this reason it is absolutely essential that you control your thoughts so as to bring forth only desirable conditions".

He certainly pulls no punches, he explains through the logical male side, and the creative feminine side of our brain, how our mind really works, and restores our thinking to higher-thought. In the recently released movie 'The Secret' ( http://www.thesecret.tv/ where the book in its original form can be read) the Quantum Physicist, Dr Fred Alan Wolf, says "You can't have a Universe without mind entering into it... the mind is actually shaping the very thing that is being perceived..." We literally create all that we are, all we have, all we receive, and all we experience... everything, totally through our thoughts and feelings, whether we believe it or not, or are conscious of it or not... 100% of the time without exception.

There is no capricious outside force arbitrarily dealing out what we get in life, WE are that force, WE are creating our lives. We can create a life of stress with all those things we don't want, or we can create a life of wonder where all that comes to us is positive, abundant, joyful and loving... it's our choice.

Once this concept is fully grasped and accepted, IT IS LIFE-CHANGING. The Master Keys are a set of systematic steps or Keys, that transform our lives into the meaningful and joy-filled experiences they were meant to be. "There is no virtue in poverty, no benefit in self denial" what could we possibly gain from either... absolutely nothing whatsoever. We were born to have a full and abundant, successful, healthy and happy life. As Wallace Wattle says in his gem of a book, The Science Of Getting Rich, "No-one ought to be satisfied with a little, if they are capable of using and enjoying more... to be content with less is sinful..."

The wonderful thing is, we can change everything in an instant with a change of attitude... Gratitude for the things we have now is a great way to generate the feelings which will allow us to leave the competitive mind, enter the creative mind, and start to create the things we want in our lives.

The movie The Secret is a fantastic start to allowing this "power within" to come out... it shows you what this Secret is... The Secret Master Keys shows you how to re-train your mind to create what you desire, by applying a very systematic, step-by-step method and then... the world is yours to do as you wish.

Take care what you think and wish for... you may just receive it sooner than you expect.



About The Author

Stephen H Lockie
Co-Author of The Secret Master Keys: eBook, Standard Audio Book, and Subliminally Enhanced Audio Book, combining ancient wisdom with state-of-the-art sound imaging technologies. http://www.TheSecretMasterKeys.com

Law of Attraction – Is Your Past Preventing You From Getting Rich?

Can you create a challenge to make one million dollars by this time next year? I feel certain that you can, once you are armed with some of the greatest law of attraction teachings.

Far too many people are caught up on their limited past experiences and allow those experiences to dictate what they will allow themselves to manifest in their lives.

The law of attraction is both the most punitive law and still the most forgiving law. What a paradox! You see whatever mistakes you have created in the past you can let them go. Whatever limitations you may perceive in your life you can move beyond those too and begin to attract new and greater circumstances starting now.

Absolutely none of your present beliefs about yourself will help you in attracting an abundant life

Your past can only be damaging to your present life if you continue to hold it and court it by dwelling on it. As you already may know, whatever you speak about, think about you will attract into your life. This is where the law of attract can be quite painful or rewarding.

On the more fun and liberating part of the law of attraction you can begin to change your feelings as well as your focus now and from that present place you can begin to attract those better conditions regardless of what you ever experienced in the past.

No matter how poor you may have been you can begin to turn that around and begin to start that challenge and attract that million dollars into your life if you will allow it. Of course there are steps to attracting large amounts of money and you can do so quite rapidly but the first step is to let go of the old and begin to stand in the present where can be ready to receive all the advance teachings on attracting greater wealth into your life.


Do you know that there are ancient techniques that can increase your manifesting intentions and attract what you want even faster than ever? Visit www.cosmic-wealth.com to learn more about these secrets teachings. Daniel Hinds is the author of the powerful ebook Magic Money.
Submitted by: Article Publisher


by Daniel Hinds

Understanding IRS Wage Garnishment Laws

Wage garnishment laws have been passed by states as well as the federal government. The purpose of these laws is to provide a way for debts owed to creditors to be recovered. IRS wage garnishment is the most common application of these laws.

Garnishments against wages can be levied by any agency and is not limited to the IRS. Private creditors, federal government departments, or even an ex-spouses can claim garnishment of the money overdue. Garnishments can also be in cases of overdue child support expenses. For most agencies apart from the IRS, a court order is required to enforce the garnishment law.

Garnishment is taken as a part of the payroll process. An order of importance been stipulated by law. According the garnishment law, the garnishment due to towards the federal government is to be collected first. Thereafter the money due towards state tax or local tax jurisdictions will be collected, and lastly garnishment for credit cards and other private debts will be paid.

Garnishment law in some states like Pennsylvania, North Carolina, Texas, etc do not allow wage garnishment at all except those related to taxes, child support, court order fines, and federally-guaranteed student loans. Other states allow all kinds of garnishments, even those levied by the private creditors. In some states garnishment law states that a maximum 25% of the disposable earnings can be levied as an amount due towards payment.

The money withheld by an employer from any individual's paycheck is handed over to the creditor or the agency towards which the amounts is due. As per the garnishment law, the wage garnishment remains in effect during each pay period until the total amount due is paid in full. That is not necessarily true in the instance of an IRS wage garnishment. An offer in compromise can be negotiated, or a payment plan can be agreed upon. Most tax professionals can get the IRS to agree to a provisional release of the levy against wages based upon a negotiated agreement.

According the wage garnishment law, an individual's salary, wages, or other income can be levied. Garnishment law prevents the employee from being fired from his or her job. If the employer fires the employee because of garnishment proceedings, then it is violation of garnishment law. The employer can be fined for doing so. The Wage and Hour division of the Department of Labor determines the violation of the law. The IRS does not do this job.


Greg Roy has experienced the financial pain of an IRS wage garnishment first hand. To learn more about negotiating with the IRS and getting a wage garnishment released, visit IRS-wage-garnishment.com.

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Most Frequent Complaints About Other Lawyers

By: David Sandy
1. Won’t return phone calls. I’ve had this one leveled against me once. This happened after about two months of not getting a cost deposit and when I checked my records I found I had e-mailed the parties back at 10 P.M after receiving a message at about 8 P.M. This resulted in me asking them to get another attorney, everyone knows setting up conference calls is tricky.

What is a reasonable response rate for a Memphis lawyer. If you call in the morning 80% of the time you should be called back the next day, especially with solo practitioner who are frequently out of office, which is the reason you should never expect a solo to call you back the same day unless clearly an emergency and they would be justified in calling you at eight at night. Occasionally, it will take a few days to call you back. The rule is after three days call the lawyer again. We’re lawyers not organizational geniuses.

2. Won’t do what I say. This one’s a nasty one. You’re okay with what the other side agrees to but the lawyer just won’t take the offer. Keeps telling you you can “do better”. Then when you don’t agree to the expensive rabbit hunt all of a sudden problem one occurs and you can’t close the case out. The quick solution is to ask for the bar number and threaten to report the attorney. This one is absolutely inexcusable.

3. Not fast enough. Leveled against me before. Frequently heard and frequently incorrect. Virtually every lawyer has an internal clock. Your case is most important to you. It probably isn’t to me. If you have a two month old debt collection with no statue of limitation issue I’m going to push it in favor of a child custody that needs attention. The fees charged will reflect this too. I’ll ask for a higher retainer on a non-urgent litigation then on a child custody I think will need the same amount of work.

Most major work product should be done within about a month of when I say I’ll get it done. Sometimes weeks sooner too. Past a week call me to check on it. Those get prioritized. If I get the feeling you don’t care about your case I won’t care a lot either, but don’t be nasty I pencil shave the bills of clients I like all the time and stay up until two in the morning if I have too. Its all about the magical random slack time. This is lighting fast in Memphis Lawyer time. I have opposing counsel months behind on all sorts of stuff.

4. They’re an idiot! Maybe, maybe not. I encounter a lot of idiots. Frighteningly enough, it doesn’t seem to harm a lot of reputations or sometimes effectiveness. Sometimes the lawyers don’t listen. They should explain the law and how it applies to your situation. If think they are speaking in gibberish they might just be spouting vaguely remembered legal terms from law school. You might not be able to follow the reasoning but you should see analysis. Ask how if something was different how it would change the situation. There’s no cure besides a new lawyer if they really are an idiot though. Beware each change increases the difficulty and cost of getting a new lawyer.

If your case gets complicated at all the lawyer should do at least one brief memo. Ask about research. If a lawyer doesn’t do it then watch out. They may have turned into an idiot.

5. Overbilling. I see a lot of this though never of an intentional type. Its always subtle. Remember everyone likes to have it a little easy and value themselves and I'd never take offense at taking a double look at a bill. Never be accusatory unless you plan on changing lawyers. Mainly bigger firms are guilty. I’ve had clients show me intra-firm e-mails that consumed a 3k retainer on a simple matter and accomplished nothing except apparently a gab session. Beware of multiple attorney firms, also minimum charges of ¼ an hour and paralegals. Ask not to get charged for messages to call you that you leave.

A lot of times the best lawyers work in firms though. So what to look for. One attorney should be responsible for your case. Associates should be bossed around or leading your case and asking pointed questions. I know that sounds bad, but its what you as a consumer want. Group think can literally triple your bill. Discrete tasks are okay and can allow people to share a talented lead attorney.

When solos tend to overbill they do so by dragging out litigation. I’ve rarely heard of a solo with minimal staff who itemizes being criticized on the billing front.

Article Source: http://www.articlewarehouse.net


The author David Sandy practices law and has on his website www.mymemphislawyer.com articles concerning being a non-specialized Memphis divorce lawyer and other kinds of law.