Con Men's Best Get-Rich-Quick Opportunity: Identity Theft2

By: Jack Payne
If and when it all falls apart anyway, despite your best preventive efforts, keep a record--names, phone numbers, and complete addresses where available--of all the people with whom you have discussed your case. Also, all supporting documents. Look at it this way: experience is great--it enables you to recognize mistakes when you make them again.

It should go without saying that you should be prepared against the intolerable temptations born of greed which lurk everywhere these days in our civilized jungle. If you were a blimp pilot you'd have a bird's eye view. Failing that, we suppose, the old fashioned way of book-lernin'-style study will have to do. Remember Murphy's Law of Combat: The cavalry doesn't always come to the rescue.

The Con Man's Blog, and first two chapters of Jack Payne's legal thriller book, Six Hours Past Thursday, are now available online. Both readable for free. You are invited. www.sixhrs.com

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Con Men's Best Get-Rich-Quick Opportunity: Identity Theft1

By Jack Payne
What we learn from history is that we do not learn from history. That's Identity theft. For some reason, these many horror stories appear to leave little or no impression on the public. Profoundly hard to understand.

We're sure you wouldn't drink a quart of milk just before riding a roller-coaster. You wouldn't enjoy the ride any more than you'd enjoy the response if you were to walk into a crowded bikers' bar and loudly yell, "You're all a bunch of pussies." We're sure that, on both counts, restraint would hold sway. In fact, you'd most likely flip to the other extreme. Why, then, at this other extreme,do so many people choose to live on the edge when it comes to guarding their identity against theft, when anyone can easily do so? This is one of the big riddles of modern life. A real puzzler. Too much restraint.

Look all around you. We all live in a highly commercialized world. This is a generally-accepted reality. Unfortunately, this very same stage of civilized advancement creates a throwback jungle to navigate, populated by con men at every turn. And, there we all are. Machete in hand, we must cut our way through this civilized thicket--every step of the way--carefully avoiding the headhunter identity thief hiding behind every bush.

Now, though, you can be the master of these shell games instead of the con men, move the peanuts around yourself. In past articles we've covered many of the essential defensive moves you can take. There are still more. Here they are:

> You don't want your credit status to be flypaper for con men. Review your consumer credit reports annually. Do this more frequently at the first hint of wrong-doing. It is important to know early in the game if anyone is opening accounts in your name without your consent. The 3 credit reporting agencies (and toll-free phone numbers) are:

Equifax, 800-525-6285. Experian, 888-397-3742, Trans Union, 800-680-7289.

> Never use your date of birth as a password. Same for your age. Too much help for the guessers. Using these dates would be like giving Bonnie and Clyde "his" and "her" shotguns.

> Never leave, intact, receipts behind--at ATMs,, on counters, at financial institutions, or at gas pumps. Reason for this should be misunderstood only by those with a room temperature I.Q.

> If you don't get a replacement credit card before your present one expires, complain loudly. In fact, it's probably a good idea to complain at least 30 days prior to expiration. Many do not realize it, but the internal policy of the credit card issuers is to send these out well in advance of deadline. Only ignore if you like the whooshing sound of deadlines as they go flying by.

> Same for monthly bills and financial statements. You do not want the computerized footprint of these to loiter in cyberspace too long, easily accessible by con men. Complain. Make sparks, if necessary. Sure, friction can be a drag, but overexposure can cause you a severe case of financial pneumonia.

The Con Man's Blog, and first two chapters of Jack Payne's legal thriller book, Six Hours Past Thursday, are now available online. Both readable for free. You are invited. www.sixhrs.com

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Buyer Beware: What You Need To Know About Lawyer Advertising 2

By: Christopher Davis
**Sometimes the lawyer's advertising can negatively affect your own case. If your case goes to trial and jurors recognize your lawyer from his advertising, it may undermine your lawyer's credibility during trial. Do you want jurors to remember your lawyer as the one who can get BIG MONEY DAMAGES or FAST SETTLEMENTS $$$ for pain and suffering?? Jurors watch television, too, you know.

Lawyer TV Ads: A word to the wise Did you know that there are companies that offer prewritten and pre-shot TV commercials for personal injury attorneys? You've probably seen one. Sometimes a famous actor is used (like Robert Vaughan, William Shatner or Eric Estrada). Other times an attractive man or woman is shown speaking behind a desk or holding a legal book or doing something else to act like a lawyer. The person says something like, ¡§If you've been in an accident, get the money you deserve. Speak to an attorney for free. Call 1-800-XXXXXXX.¡¨ What you need to know is that many times your call is routed to a call center that randomly sends your call to the next attorney ¡§in line.¡¨ The next one "in line" is an attorney who has actually paid a hefty fee to be on the ¡§list.¡¨ Any attorney with enough money can pay to be on the list, including attorneys who have never tried a case in court. Many times the attorney who has paid the fee is not necessarily the most experienced lawyer for your case. Now I'm not saying that all attorneys who use TV advertising are inexperienced. But you should not rely on TV advertising alone when choosing a lawyer. Just a word to the wise.

Case Study: T.V. Personal Injury Lawyer Fails Client

Here's a sad story about a lawyer who advertised on T.V. in Rochester, New York. The attorney, Jim Schapiro, ran aggressive T.V. commercials which promised to obtain large financial settlements for victims, referred to himself as "the meanest, nastiest S.O.B. in town" and claimed to have aggressive courtroom prowess. Schapiro, who called himself "The Hammer" had law offices in the states of New York and Florida.

In 2002, one of Schapiro's clients, Christopher Wagner, sued Schapiro for malpractice. Mr. Wagner had been injured in a car accident and had responded to one of Mr. Schapiro's television ads. Mr. Wagner alleged that he had incurred medical bills of $182,000 but that Schapiro's firm advised him to accept a settlement of only $65,000 from the driver and then promised that he could get more money by filing suit against the state of New York. It turned out that the state had no liability for the accident and Schapiro never pursued Mr. Wagner's case further.

In a video deposition, Jim Schapiro testified that he had never tried a personal injury case in court and that he had been living in Florida for the last seven years. Mr. Wagner's attorney also discovered that Schapiro's Rochester law firm staffed just one lawyer who had only tried four cases. A New York jury found that Schapiro had engaged in misleading and deceptive advertising and that he committed malpractice. Schapiro was ordered to pay $1.5 million to Wagner.

Consequently, in 2004 Schapiro was suspended for practicing law for one year by the State of New York. In 2005, Schapiro was then suspended from practicing law in Florida for one year. In 2004, four additional clients sued Schapiro alleging that he had engaged in misleading advertising and had committed malpractice. Thereafter Schapiro stopped practicing law and instead now writes books for injury victims.

Mr. Davis is the founder and CEO of the Davis Law Group. He brings over 15 years of practical yet innovative experience to personal injury cases. He practices law in Seattle, WA. http://www.InjuryTrialLawyer.com . Mr. Davis is the author of "The Ten Biggest Mistakes That Can Wreck Your Washington Accident Case" comlimentary copies are availalbe at http://www.washingtonaccidentbook.com

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Buyer Beware: What You Need To Know About Lawyer Advertising1

By Christopher Davis
You need to know a few things about lawyer advertising. For example, if you look through the yellow pages you'll see that the ads placed by attorneys all say essentially the same thing. Very few of them actually give good useful information to make it easier for you to choose a good lawyer for your case. Although the yellow pages are a good place to get names of attorneys, you need to be aware of the following points when it comes to lawyer advertising:

**There is no rule which requires that the lawyer have a minimum amount of experience handling the case which the lawyer wants to advertise.

**Although the bar association has rules that govern lawyer advertising, it usually does not actively investigate, restrict or determine whether each lawyer who advertises is a specialist or has experience with the type of case being advertised. This means a lawyer can advertise that she is a "divorce lawyer" or "personal injury attorney"¨ when that lawyer may have limited experience or knowledge of that area of the law.

**There are virtually no restrictions on the different types of law that the lawyer wants to advertise. Therefore, you should be extremely careful about choosing an attorney based solely on that attorney's advertising claim, whether the ad is in the phone book or on television.

**Any attorney can buy a big slick ad in the yellow pages. The phone book company typically does not verify the claims that are being made in the ad. In many cases the phone book company does not even verify that the person is a licensed attorney in good standing! Use caution.

**A lawyer who advertises does not mean that that lawyer will be handling your case. Some lawyers simply run advertisements and then refer outermost or all of the clients to other lawyers to do the work in exchange for a referral fee. Such a lawyer essentially acts like a referral broker. Be especially cautious of ads placed by out of state attorneys. Because of state licensing requirements, these attorneys will usually have to refer the case to a lawyer who is licensed to practice law in Washington.

**A lawyer who purchases full page ads in the yellow pages, or pays for slick T.V. commercials, does not necessarily mean that the lawyer is super successful. Some lawyers who pay for such advertising operate a "volume practice" for the purpose of making just a little money on the numerous cases that are generated from the ad. Many times a "volume practice" attorney tries to settle all or most of the cases to earn the most amount of money in the least amount of time. The only time you may see this lawyer is if his face appears in the ad!

**Some lawyers who run big ads to fill their "volume practices" will rarely even work on a case. These lawyers farm out every aspect of the case to a paralegal or legal assistant. The only time the lawyer may even look at your case is after it has settled and the lawyer wants to collect his fee!

**Be cautious of lawyer ads that create unjustified expectations. For example, if the lawyer advertises that he can obtain "Fast Settlements in 30 Days" he probably never goes to trial and settles cases for far less than what they are actually worth. In most cases, good settlements take time and effort.
Mr. Davis is the founder and CEO of the Davis Law Group. He brings over 15 years of practical yet innovative experience to personal injury cases. He practices law in Seattle, WA. http://www.InjuryTrialLawyer.com . Mr. Davis is the author of "The Ten Biggest Mistakes That Can Wreck Your Washington Accident Case" comlimentary copies are availalbe at http://www.washingtonaccidentbook.com

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Law of Attraction – Be Like A Great Actor To Be Successful

By Aldian Prakoso
What if I see something that causes me heartache or if I don't want to think about some bizarre experience?

If it is something you don't want, don't think about it, it's just that simple. For what you resist persist. The Law of Attraction cannot tell if you do not want the experience, especially since you keep thinking about it and wondering and predicting what you will do about it. Sensing that you want to keep creating more doubt, fear, anxiety, etc. because your energy is so focused on those types of experiences, the law says here's more. The more you concentrate on the unwanted object or experiences, the more energy you give it to grow. If it is something you truly desire, think about it to the point you can smell it, feel it and taste it and then "act as if you already have it in your life.

The next time you get into your old car, "act as if it's that new luxurious one you desire. Every time you get behind the wheel only believe, smell, and think of it as that new one. Start play-acting and pretend. Imagine you have the job, car, etc. and actually sense/visualize how you feel; insert yourself into the vision. Why? Because the universe does not distinguish between what is make believe and what is real. When you are pretending to the point that you actually believe you are in possession of the object of desire, then the universe matches it if you have mentally aligned with it and have physically made room for it.

How is this accomplished? Well, the universe doesn't have a mechanism to detect when you are pretending, so your consistent desirous thoughts about what you would love to experience is responded to as the real deal.

Go to the car dealership and sit in that luxurious new car. Go to the jeweler and try on that diamond ring, and sit in on a corporate meeting and get that feeling of entitlement in your soul. Start pretending, act as if now. Use this exercise daily. Start small then build to a bigger desire, you will need to feel confident and comfortable when you are acting as if. Remember, the subconscious mind doesn't distinguish between the real world and a virtual one. Acting as if will cost you nothing and there is not a great deal of energy expended. You simply incorporate the process into your normal daily routine.

Why pretend?

Pretending is like having access to a virtual reality game without being hooked up to any electronic equipment. Believing it's a game; the suspicious, cautious conscious mind will not reject, analyze or judge any of these thoughts against your current belief system because it views this exercise as play.

Just be like Angelina Jolie, Al Pacino, Tom Cruise or other great actors. They act it out and pretend that they're someone else according to their movie characters. You just need to act it our in your daily life.

Do not be deterred if others think you are acting weird, for it is through understanding and practicing the principles of the law that you will receive everything you believe and desire. Yes, it is the Law of Attraction and one of its real secrets is "if you believe it, you can achieve it." Only then can you have, be or do anything in your life if you desire it. Believing and having faith is the foundation for any desire to manifest.

Aldian Prakoso is a Law of Attraction Coach and the owner of The Secret of Law of Attraction Blog. The Secret of Law of Attraction Blog helps you to achieve success, wealth, growth and health by unlocking The Secret of Law of Attraction.

Get FREE online visualization guide mini-course, and two high demanded classical ebook ($47 value) ==> http://AudioGettingRichScience.com

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Why Tax Free Cigarettes?

By Albert Nale
What are genuine tax free cigarettes? In other words, is there anything truly like that available in United States? Legally, there are tax free cigarettes available in US, such as the ones manufactured and sold by the Seneca Nation of Indians based in western New York. But, then it is available only in selected websites/shops. In rest of the country, there is a federal tax of $3.90 levied per carton of cigarettes. That gives an idea as to why a carton of genuine Marlboro, Winston, Montclair, Salem or Camel costs around $40.

Then, there is this illegally sold ‘tax free’ cheap cigarettes that are available in various online stores. Such cheap Salem and Marlboro cigarettes are only half the price of an original taxed cigarette carton because their price does not include the taxation amount. For example, when the taxed cigarette carton costs $40 or more in the market/stores, the same brand cheap discount cigarettes sold illegally online costs a lowly $12 or $13.

From the above, it is clear that the major chunk of the price charged on cigarette cartons is owing to the various taxes imposed on its manufacture, raw materials, sale etc. The actual cost of the cigarettes minus the taxes will be only half of its market price. This is also exactly the reason why there is a mad rush for cheap online cigarettes all over the US. However, don’t take it for granted that online sales of cheap premium cigarettes are allowed in all states in US. For example, states like California has already banned the online marketing and sales of cheap cigarettes or any other cigar and tobacco brands.

Most online cigarette stores also ship cheap discount cigarettes to other countries as well, provided the country of the customer permits such trans-national shipping of cigarette cartons. Such a reservation is relevant as in certain countries like Thailand, India, Angola, and Spain, where shipping of cheap discount cigarettes is banned by stringent laws, and is a punishable offence if somebody is found violating it. Usually, hence, most online cigarette stores mention in no uncertain terms in their website to which all countries they ship cheap discount cigarettes and to which all nations they do not.

The genuine cheap cigarette online stores, selling tax free cigarettes, are the ones that are governed by the Seneca Nations of Indians Business Code, and usually will carry a certified Seneca Nations of Indians online retailer seal. And for a customer to complete a purchase with such a store, the person has to prove that he/she is above eighteen years old and holds a valid driving license. The sale is made only after the verification is finished. Once it is done, the cigarettes will be shipped normally within 5-7 days of order.

Tax free cigarettes are also sent through mail, in which case the rules, regulations and procedures of the post office are also to be followed. The US law also bans tax free cigarettes from reselling in any form. It is only for personal use.

Amateur article writer on different topics. Like surfing on internet. This time told about: www.cigarea.com. Also paid attention on other different sites: www.smokerjim.net

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What are the 5 Laws of Money?

By Dennis Ng
In Physics, there are certain laws which stay true regardless of time, one example is the Law of Gravity. When it comes to personal finance, there are also certain laws.

In fact, there are 5 Laws of Money which I like to share with you:

1. Money comes gladly and in increasing quantity to any person who saves at least 10% of his/her earnings (first step to Financial Freedom).

There are only 3 Cashflow Scenarios:

a. You spend more than you earn: This person has negative cashflows and is likely to end up owing other people money.

b. You spend all that you earn: whether this person is earning S$2,000 a month or S$200,000 a month, he/she is just getting by and not getting ahead.

c. You spend less than you earn (eg. save 10% of your earnings). As time goes by, this person will automatically get richer and richer.

The question is which cashflow scenario do you want to CHOOSE for yourself?

2. Money can work for you, if you become the "wise owner" of money and make money work for you. (note: you're the Master, money is the slave, while many people are guilty of being slaves to money).

Money is just a tool. We should Love people, use money. The sad thing is there are people who Love money and use people instead.

3. Money will be safe and grow if you invest it wisely or if you invest under the advice of people who are wise in money. ie. investment knowledge is key to making money grow. You can either acquire investment knowledge yourself or you can invest money under the advice of people who have investment knowledge.

4. Money will slip away from the man who invests it in businesses or investments with which he is not familiar with. You should ask the opinion of those who are wise in money, they might be able to offer you information or advice that can prevent you from losing money.

5. Money flees the man who falls into scams created by tricksters and conmen, who promise "impossible earnings". One common weakness of human beings is "greed". Greed can make a person who is usually alert and smart "stupid". Greed can blind a man and is the main reason why financial scams continue to exist whether in ancient times or in the modern day.

Thus, if you abide by the 5 laws of money, you will definitely get ahead financially and be able to accumulate wealth.

Dennis has 15 years of bank lending experience. He founded http://www.HousingLoanSG.com - a Leading Mortgage Consultancy Portal in Singapore. He is often quoted in newspapers for comments on Housing Loans. Please send your comments to dennis@housingloansg.com or call him at +65 6737 8801 Copyright (c) 2007 Dennis Ng

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Notice Requirements Under The Mechanics Lien Law of Delaware

By Marc Rapaport
A Contractor’s Notice Obligations Under the Delaware Mechanic’s Lien Law

Pursuant to Section 2705 of the Delaware Code, a contractor is required to provide written notice of all persons providing labor or material. Such notice must be provided within ten days of the owner’s demand.

Section 2705 provides: “The owner of any structure built, repaired or altered by any contractor or subcontractor may require such contractor or subcontractor from time to time to furnish and submit to him a complete and accurate list in writing of all persons who have furnished labor or material, or both, in connection therewith, and who may be entitled to avail themselves of the provisions of this chapter. Should any such contractor or subcontractor fail to furnish such list for 10 days after demand made therefor by such owner, he shall be entitled to receive no further payments from the owner until such list be furnished and shall not be entitled to avail himself of any of the provisions of this chapter.”

In the case of Rockland Builders, Inc. v. Endowment Management LLC, et al., (July 10, 2006), the Delaware Supreme Court determined that a contractor’s failure to provide a timely response to the owner’s demand does not permanently preclude the contractor from filing a lien on the property. The Court ruled that the language in the statute is not intended to forever bar the contractor from obtaining payment of amounts outstanding or a lien on the property, but rather stays the contractor’s ability to receive payment or obtain a lien in order to provide an incentive to the contractor to provide such list to the owner. While a contractor “has no right of action or lien” until such list is provided (i.e. it “is a prerequisite to the attachment of the lien”), once the contractor does provide the requested list, it can once again avail itself of the mechanic’s lien statute. The fact that the list is not provided “until after the lien claim is filed is not fatal, provided it is served before the expiration of the time for filing the claim.”

Marc A. Rapaport is an attorney in New York City. Read more about Mr. Rapaport and construction law at http://www.asaplegalforms.com and http://www.RapaportLaw.com

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Guidelines for Web Designing

By Avinesh Prahladi
The main law for a good web design is that the user should not face any problem in comprehending your website. The selection of color combination and the background should be cautiously selected. Giving importance to every small detail will only result in the enhancement of the performance of your website. The website should be fulfilling and providing the necessary details to the user.

Following are some points that should be kept in mind during the designing a web site:

- When you click at a website the first page that appears in front of you is known as splash page. These pages bear less significance and most of the times it bears the text like ‘click here to enter’. If you are designing a website avoid keeping a splash page as it irritates the user and eventually he leaves your website, and you don’t want this to happen at any cost.

- Make less use of the banner billboards. You should not use banner billboards as it would only lead in wasting your precious time. You should provide more worthy content for the users and should introduce affiliate links with your content. At your website the user should not feel like they are buying a product just for the sake of buying.

- You should keep the website navigation so easy that a not so internet savvy person can make use of it. While designing a website you should keep it is as simple as possible so that it is easy for the user to go through your website. The hyperlinks should be clear to the users. The buttons and tabs should be clearly visible and easily accessible. Make minimum use of the flashy effects as if the user is not aware of how to operate it then he would leave your website.

- You should make the user realize where they are while browsing at your website. This will help the user in browsing appropriate details for the topic he is searching for. The user should not get confused with the use of lots of buttons and flashy effects as this would straightway make the user in getting away from your website.

- Introducing music at your website creates disturbance while the user is searching or reading the content. There should be some control so that the volume of the music could be lowered down or could be switched off.

The pages of the website should be easily and quickly download. Just in case your website is not that famous then your website should get download taking shorter time period. Introducing an animation at your website will give an attractive look. But make sure the animation is not very heavy otherwise it would take more time to get loaded. You should be aware of your preferences while designing a website. The user should find what he is looking for in minimum clicks at your website.

Through a website your main aim is to provide the users with appropriate information that they require and that too with a single click. If the user is provided with every single detail he is looking for he will definitely come back at your website and will also tell others about it.

Avinesh Prahladi is a professional content writer having proficiency for writing on diverse topics at webartsoftech. Visit http://www.webartglobal.com

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Car Insurance in Canada - The 4 Keys to Paying Less On Your Car Insurance

By Dennise Ryder
If one of your friends or family members got a better car insurance premium than you, it isn't because they know someone in the industry, or they got lucky, all they did was follow these 4 simple steps to lower auto insurance premiums:

When it comes to car insurance in Canada, many of us pay too much. If you happen to know someone who has the same driving record as you do, yet they are paying less, it isn't an accident and no the insurance company. What they more than likely did was used these four ways to get the lower rate:

1. RATE COMPARISON

Ummm, let me say state this differently, the SHOPPED! We shop prices for cars, computers, clothes, and these days EVEN gas, but when it comes to car insurance we get the quote from the insurance rep and say "ok" and pay the rate without even shopping it!

There is a couple of reasons why we do this and incidently, they are myths ... here is why we don't shop

Myth #1 - there is no reason to shop because when it comes to the coverage there is no difference between insurance companies, they all charge the same price

Myth #2 - shopping rates is for new drivers who don't have insurance yet or those people who have had accidents or tickets.

Those myths need to be BLOW OUT OF THE WATER! If you believe them it is costing you money!

If your driving record is clean you are probably still paying way to much for car insurance, because car insurance companies DON'T all charge the same, they're rates do very and in some cases they differ a lot.

Take the time to get Canada car insurance quote

2. Deductibles, consider raising them ...

A deductible is the the amount of the claim that YOU pay and then your insurance company pays the rest if you are involved in an accident. We usually take the lower deductible because of course we want to pay less out of our pocket and have the insurance company kick in more. Good in theory, but, of course it doesn't work that way, we are still paying in a higher premium. If you go with a higher deductible it lowers your premium, I mean we aren't in accidents every day right? So, why not elect to pay the higher deductible in order to save over the long run on our rate?

3. Discount, hey do you offer any ...

There are many insurance discounts you can take advantage of, here are ones to ask for:

age - when you hit 25 the rate drops, there could be other breaks as well...just ask! Multi-vehicle discount - more than one car insured with the same company Multi-line discount - insure the car, house, cottage and boat and get a break if it is with the same company Anti-theft discount - get discounts based on the anti-theft devices you have Low mileage discount - you're a lower risk if you don't drive that much Occupational discount - depending on the line of work you're in you may be one Auto club discount - CAA or some of the other auto clubs have discounts.

The key here ... If you don't ask, you don't get!

4. Watch your driving, ...

I know, I know, things happen when you're on the road. However, keep in mind that in figuring out your insurance rates your driving record is the key factor insurance companies use. The accidents you happen to get involved in that are your fault and the traffic tickets all factor in and remain with you for a long time, so pay attention to what you're doing!

Insuring our car is a must in Canada, it's the law, but, if you follow the four

We ALL have to pay car insurance in Canada, that's the law. However, we DON'T have to pay huge car insurance premiums, take the time and use the 4 keys above you can save on car insurance in Canada!

Dennise Ryder writes from her home in Toronto, Ontario, Canada. Many people are paying way too much for car insurance, check and make sure you aren't one of them, Canada car insurance online quote

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Know What You Need To Form a Company

By Ryan Graff