Are New Bankruptcy Laws Going To Help You?

By: Frank Hague
There are 2 sides to the changes in bankruptcy rules. It will be a lot harder to file bankruptcy under chapter 7 and get a totally clean slate.

For businesses, relying on issuing credit, the new personal bankruptcy law is doing great, reducing personal bankruptcy claims from the thousands to double digits.(In the short run).

However, lawyers working with the actual people filing for bankruptcy say that the new law is seriously flawed because it puts more financial burdens on already broke clients and reduces potential debt repayment to small businesses.

And then of course you have the credit card companies charging high interest rates which in quite a few cases caused the bankruptcy in the first place.
According to some financial specialists, much of the debt people accumulate is a result of keeping up with the Joneses and not thinking ahead.

For 80% of clients counseled each month, the debt is credit card related and averages $32,000 - a result of six to eight cards. Consumer credit organizations say the new law provides debt-reducing strategies for those considering filing bankruptcy and curbs abuse.

Under the new law it has become a requirement that the person filing bankruptcy obtains credit counseling both before and after filing for which that person will be charged..

So now the consumer would then know the advantages and disadvantages of declaring bankruptcy. Yet it seems merely another expense for an already financially stressed individual.

People filing bankruptcy in general are not overspenders, but merely faced with temporary financial disasters such as medical costs, layoffs, a divorce, gambling debts or other crises. Before you can file bankruptcy,you are now required to complete credit counseling with an agency approved by the U.S. Trustees office.

This credit counseling is designed to help you determine whether or not bankruptcy is appropriate.

Once you complete your bankruptcy, the law requires you to attend another credit counseling session.

These are new requirements, before this law was passed the law did not require a person to go through counseling either before or after the filing of bankruptcy.

Second, under the old law, a person could decide to file under Chapter 7 or Chapter 13. Under the new law, the court will look at your monthly income and apply a means test relating to the state in which you live. If your income is less than or equal to the medium income then you will be allowed to file Chapter 7 which in effect will give you a clean slate.

This medium income can vary from $28,000 in Missouri to $56,000 in Alaska. If your income is greater, you may be forced to file Chapter 13 unless you can demonstrate you do not have enough disposable income.

Under Chapter 13 you will not get a clean slate but will have to make payments on your debts.

Also, your attorney now has to personally certify that your bankruptcy filing is accurate. This means more work for the attorney, with higher legal fees.

Advantages of declaring Bankruptcy:

Legal protection from creditors
Takes care of all or most debt
In some cases, can keep home and car
May stop complete financial ruin
Provides a fresh start

Disadvantages of declaring Bankruptcy:

Bad credit
May have to repay partial debt load and return collateral to creditors
May lose assets, including house and car (If the house is worth more than a certain amount).
Bankruptcy becomes public record, and
Remains on credit record for seven to 10 years

“In the past, a bankruptcy offered a fresh start for the filer,” said Columbia attorney Gwen Froeschner Hart. “The new federal legislation offers language directed at helping creditors.”

If you analyze credit card expenses for most people you'll see that they often include medical bills and day-to-day expenses for the elderly or those earning low or fixed incomes. Records show that 50% of credit card holders do not pay their full credit card bills every month.

33% of the population can't afford medical insurance so have to charge their prescription drugs.
With the recent Medicaid cuts and rigid bankruptcy legislation who knows what is going to happen to these people.

There are some who say consumers are abusing creditors. The irony is that credit card companies are begging for customers and offering large amounts of unsecured credit, yet at the same time, lobbying for stricter debt controls.

About the Author
Frank Hague is interested in anything to do with Bankruptcies

Published At: www.Isnare.com
Permanent Link: http://www.isnare.com/?aid=29430&ca=Finances

Tags: law, laws, personal laws, lawsuite

Defending Your Rights under the Employment Laws

by: Rainier Policarpio
With the changing times and increasing accounts of job-related disputes comes the need for various laws that focus on resolving these particular issues. Along with this, the employment force must be able to fully understand their rights under the pre-existing law provisions and utilize them to protect their own interests.

Specifically in Los Angeles, the workers are guaranteed of legal remedies and protection from abusive employers who fail to manage them lawfully. Here are some of the following rights and privileges that are somehow helpful for the employees who may have experienced employment discrimination or abuse:

Right against Discrimination

As stated under the California Government Code and Federal Code Title VII, it is unlawful to discriminate and/or harass workers based on their:

• Age

• Race, color or national origin

• Gender or pregnancy

• Religious affiliation

• Marital status

• Disability

In addition, as provided by the Labor Code, employers are not allowed to retaliate against their employees who:

• Uphold their rights for reasonable wages

• Filed their complaints regarding the unhealthy and/or hazardous work environment

• Asserted their rights for worker’s compensation

• Testify before the court, revealing the illegal activities in the company

• Involved themselves in other lawful activities not related to work such as political activity and skills enhancement trainings

Any employee who will experience these violations may file their case with the Equal Employment Opportunity Commission the California Division of Labor Standards Enforcement within six months prior to date when the discriminative act occurred.

Family and Medical Leave Act

Every employee may have the right to utilize a three-month leave without the fear of losing his or her job for the following reasons:

• Take care for a newly born baby or adopted child

• Provide attention for a family member who has a serious ailment or health condition

• Seek treatment for his or her own sickness

Organizing a Labor Union

Employers do not have to interfere in any manner regarding the formation of a labor union and any of its lawful activities. Unless these labor actions are being done in an orderly and under the limits of the law, the company owners cannot file any case against union members.

Any instance of employer interference or harassment related to this issue may be reported to the National Labor Relations Board within a period of 180 days.

Workplace Safety

To protect their workers from possible hazards in their workplace, the employers must provide them with adequate training seminars and programs on how to protect themselves on the job. If necessary, the companies must supply all the protective equipment and gears.

Employers disregarding this right of the workers may be brought to the Division of Occupational Safety and Health.

Right to Representation

All citizens, not just workers, who have been aggrieved, discriminated and/or harmed, have their basic right to legal represented. Therefore, in filing their respective claims and complaints, the affected employees may seek the assistance of Los Angeles employment law defenders who have the proper knowledge and skills in preserving their rights.

This is certainly beneficial, especially for those workers who do lack the any background about the laws that safeguard their welfare. To add, labor attorneys can help their clients in establishing a strong case against their illicit employers.

Please do visit our website at http://www.expertlosangelesattorney.com/EmploymentLaw.html and seek the assistance of our Los Angeles Employment Law defenders if you think any of your rights as a worker have been violated. Our expert Los Angeles attorneys will do their best to establish a winning case for you.



About The Author
Rainier Policarpio used to work in a publishing company as a writer and eventually became an associate editor. He dealt in writing instructional materials for secondary and tertiary students. His passion in writing inspired him to read a lot and subsequently enabled him to gain more knowledge and skills.

Tags: law, laws, personal laws, lawsuite

How the Law of Attraction Affects Your Personal Relationships

By Peter P. Williams

Your personal relationships are critical to your happiness. You don't want to fill up your life with hatred or individuals that depress you. Actually, you would like to keep the people that build you up and make you happy, giving you the drive that you're seeking in life. Once you're sincere and desire a genuine relationship with someone, you'll need to use the Law of Attraction to cause it to work.

When looking for that special person to share your feelings with, to laugh and love with, you'll want to apply the Law of Attraction in order to discover the right person. If you're looking to reach a better relationship, you'll have to make certain that you're doing all you can to advance your personal relationships.

Listen to your internal feelings. If you're heeding to your instincts, you will be more assured in the decisions that you're reaching. You've got to be confident in what you want in life and in the person that you are. Being prepared in life and all that will come to you is essential. Decide what you desire and go after it. Allowing the Law of Attraction to assist you is one way to get to where you desire to be in your life.

Believe in what you do and who you are. There are quite a few things that you are able to do to guarantee that you're blissful in all your relationships. When you discover yourself in a relationship that is less than comfortable, you should turn your thinking to the Law of Attraction and all it is able to do for you. You must to remember that you're of value and that you deserve the absolute best. You are in control, make your life exactly what you desire.

Examine yourself and decide exactly what you desire to change in your personal relationships. Is everything, as you'd like it to be? Are there issues that make it difficult for you to love the individual that you are in a relationship with? Don't ever settle for something less than what you deserve. You are the only one that holds control of your life and the relationships that you're in. If you get composed and in control of your life, you will have great feelings and the encouragement you need to be happy in life with your personal relationships.

You're the only one that is in control of your life and you know what is best for you. The Law of Attraction will help you in discovering what you truly desire. This Universal Law will show you how to be more confident in who you are and in everything you do. When you are positive and think about the relationships that you want, you will have the power that you need to create a more fulfilling and better personal life.

It is important to have healthy relationships in life. The Law of Attraction will be there for you and give you the support that you need to make good decisions about your personal relationships. your life.

For many more useful Law of Attraction secrets make sure to visit http://LawOfAttractionSecrets.Homestead.com - a 100% free site that gives you the tools you need to improve your life.

Bring people closer using the Law of Attraction

Article Source: http://EzineArticles.com/?expert=Peter_P._Williams

Tags: law, laws, personal laws, lawsuite

Los Angeles Personal Injury Law Firms

By Kevin Stith

Los Angeles has hundreds of highly respected law firms handling cases of personal injury. Many are one-man operations, but there are larger firms as well. Regardless of the size, most are competent, and dedicated to obtaining the best deals for their clients either through settlements or through trial and verdict.

Once the victim or his people choose a lawyer, either with the help of friends, the Bar Association or other sources, the lawyer’s background can be checked through organizations that provide such services.

In the field of personal injury law itself, there are different areas of specialization. If the firm that the victim contacts does not handle his type of case, he is usually dire

Tags: law, laws, personal laws, lawsuite

Oregon Personal Injury Lawsuits

By Jennifer Bailey

Personal injury lawsuits are those that relate to injuries caused by another person or another person’s object or a company. Personal injuries lawsuits are claims for invasion of a personal right like false imprisonment, causing mental suffering, any kind of harm, disease or death caused by another person. Personal injury law deals with protecting of those individual’s interests who have been victims of recklessness, negligence, inaction or malpractices of others. It also includes defective drugs, medical malpractices, worker’s compensation and product liability.

Each state in the US has its own personal injury laws. Oregon has some strict personal injury laws. These come under both federal laws as well as state laws. Personal injury law is also known as “Tort Law”. A tort is simply any injury caused to a person by another. Anybody can claim for damages under this law for physical or emotional injury as well as for property damages. In case of death, the family members of the deceased can claim for damages. The Torts Law can be based on three grounds: strict liability, negligence and intentional wrong. Strict liability is generally against product manufacturers whose product may have caused some injury; negligence is against anyone who could have prevented the injury and intentional wrong is against anyone or anything that has intentionally caused the injury e.g. domestic battery. The most common lawsuits relate to negligence.

Personal injury claims are made when the party that has caused the injury fails to compensate for the damage - or when the compensation is not felt to be fair enough. Generally, most claims can be settled by arbitration or through small claim courts. However, bigger claims require the help of an attorney as the lawsuits can be quite complex and long. A good Oregon personal injury attorney would be able to help you in the legal proceedings relating to the personal injury lawsuit. The lawyer would legally assist you in determining how much the claim is worth and also help in getting sufficient compensation from the insurance company.

Personal injury lawsuits should be handled only by experienced personal injury lawyers. There are many personal injury lawyers in Oregon. You can look for them in the Yellow Pages or in websites over the Internet. Friends or family members who have had experience in fighting personal injury cases can also provide referrals.

Oregon Personal Injury Lawyers provides detailed information on Oregon Personal Injury Claims, Oregon Personal Injury Funding, Oregon Personal Injury Law Firms, Oregon Personal Injury Laws and more. Oregon Personal Injury Lawyers is affiliated with Wrongful Death Attorneys.

Article Source: http://EzineArticles.com/?expert=Jennifer_Bailey

Tags: law, laws, personal laws, lawsuite

Can You Drink and Avoid the DUI Laws

By Cary Bergeron
Because everyone's bodies are different and the law needs a place to draw the line, drunk driving laws in every state have a set blood alcohol content level that is considered "drunk driving." This is .08 in most states. However, many people can be drunk with levels far below this, and the amount of alcohol it takes to reach the "legal limit" according to DUI laws varies from person to person. For this reason, it is best to never drive after drinking.

When does impairment begin? We know that .08 is an unsafe level because once blood alcohol content reaches this point drivers are 11 times more likely to be involved in a car accident. However, what about a blood alcohol content of .02? Is this considered "safe" to drive?

When researchers look at blood alcohol levels to determine what is safe, participants with blood alcohol levels of .02 are already showing a loss of judgment. This is the point where alcohol helps you to relax and enjoy yourself. You do not yet feel drunk, but you are able to party a little harder. However, when you step behind the wheel of a car, you will suffer from lowered visual functions. You will also find it difficult to multitask. This means that simply reaching down to turn on the radio while you are driving could be too difficult for you, causing you to be in a crash.

What about a couple more drinks? Let's say that your blood alcohol content increases to .05. At this level, you can expect to see exaggerated actions, inability to focus your eyes quickly, less alertness, less inhibition, and more impaired judgment. Your coordination is greatly reduced, which is particularly dangerous when you are driving. Your response in an emergency situation is going to be very slow, putting those around you at severe risk. Yet at .05 you are still far below the legal DWI limit.

The good news for other people on the road is that most states have DUI laws that allow the officer at the scene of a crime to arrest you for DUI even if your blood alcohol content level is less than .08. Of course, many drivers are able to get out of these convictions with a skilled DUI attorney, but this will require quite a bit of money out of your pocket, and you will still live with the consequences of causing an accident. If you are going to drink, designate a driver. Even just one or two drinks can severely limit your ability to function behind the wheel of a vehicle.
To find out more about DUI Laws be sure to visit http://www.DUIConsequences.com Also if you are looking for Pennsylvania DUI Laws our site has that too.

Article Source: http://EzineArticles.com/?expert=Cary_Bergeron

Lemon Laws for New Vehicles

By Greg Artim
Every state has some type of Lemon Law for new cars. This is a law that sets forth your rights and the potential remedies available to you in the event that you have purchased a defective vehicle from a manufacturer. While some states' laws are better than others, they are all very powerful and for the most part are very consumer oriented.
A typical Lemon Law is based on the premise that any vehicle which exhibits a defect or non-conformity that substantially impairs the use, value or safety of that vehicle is a lemon. Generally speaking, defects involving the engine, transmission, brakes, suspension, electrical system, water leakage and steering are the types of defects that make a vehicle this. Please know that the offered list is not all inclusive, as there are other types of defects or situations that can make a vehicle a lemon.
Lemon laws typically provide that the manufacturer must be given a reasonable opportunity to repair the alleged defects. The number of repair attempts that are deemed reasonable varies from state to state, but it would be safe to say that the average number of repair attempts that are sufficient to meet the "reasonable" standard is three to four.
If the manufacturer is unable to correct the defect or nonconformity after making those repair attempts, most states provide that you are entitled to either a full refund of the purchase price or a free replacement vehicle. A full refund means that you are entitled to recoup any down-payment, trade-in equity, payments made and associated costs that you had with the purchase of the vehicle. A free replacement vehicle means that you can receive a brand new model of the vehicle that you are driving, at no increased cost to you. With either of the aforesaid options, the manufacturer is often entitled to a deduction for mileage that you have driven the "lemon" vehicle. This deduction typically amounts to a few hundred dollars.
Please know that this has been merely a general overview of Lemon Laws for new vehicles. You should consult either an experienced attorney in your state or your state's lemon law for a definitive answer regarding any questions that you may have regarding these types of laws and your new vehicle.Greg Artim is a Lemon Law Attorney based in Pittsburgh Pennsylvania. He recommends visiting http://www.50stateslemonlaw.com to find answers to more of your lemon law questions.
Article Source: http://EzineArticles.com/?expert=Greg_Artim

Hidden Camera Laws and Legal Advice

By Mike Josh Ward
If you are planning to install a surveillance system in your home or business it is wise to examine your states privacy laws and consider areas where you may be in violation, which could result in hefty fines and/or a jail sentence. It is unlawful to install covert or hidden security cameras in areas considered to be a private place.

United States privacy laws define a private place as somewhere one can be assume to be safe from unauthorized surveillance. This includes areas such as locker rooms, changing stalls, bathrooms, bedrooms and hotel rooms. This means that you cannot install hidden security cameras or listening devices in these areas without prior written permission from the individual. State laws regarding security cameras are not uniform across the board. Only a small number of them have statutes regarding hidden camera installation. They are Alabama, Arkansas, California, Delaware, Georgia, Hawaii, Kansas, Maine, Michigan, Minnesota, New Hampshire, South Dakota, and Utah.

In most cases evidence gathered using hidden video cameras will still be admissible in a court of law if a crime is committed whether permission was granted or not. While it may be illegal to install a security camera in a retail store dressing room, footage capturing shoplifters in these areas is still often used to prosecute criminals. The two circumstances covert observation is considered illegal are when the owner of the premises has not authorized observation, or the recorded video/audio is used for illegal means.

Privacy law and the use of hidden security cameras is currently an area of major controversy. This technology has improved rapidly over the last 10 years and laws are still being developed to deal with its implementation. Tools that were once only available to high end law enforcement and government spies can now be purchased by anyone. A fully functional wireless security camera setup including transmitter, receiver, or built in data storage can be purchased for as little as $50. This double edged sword has allowed individuals and business a sense of security previously unattainable, but the easy installation of wireless security cameras has also given way to significant abuses. Research has shown that even a large portion of lawful security cameras are regularly used for voyeuristic purposes.

Unfortunately they way it sits right now there is very little that can be done to prevent people from installing illegal spy camera. As a business or homeowner you can keep yourself out of trouble by checking your state laws or consulting a private investigator or lawyer about your security system setup.
About the Author: Mike Ward is the owner and operator of Protection Depot, a leading online provider of wireless security cameras and hidden cameras. For more information about security cameras, please visit http://www.security-cams.com.

Article Source: http://EzineArticles.com/?expert=Mike_Josh_Ward

Tags: law, laws, personal laws, lawsuite

The 14 Focal Points of Personal Growth - Number 6 is Obedience

By Jeffrey P Brown
To Americans, obedience sounds like a four letter word. In this land of freedom, first amendment rights, a general open society, it is difficult for people to take the word "obedience" into their hearts and cradle it like an adorable and cuddly newborn. After all, just look at what people put on their bumper stickers: The Closer You Get, the Slower I Drive; If You Can Read This You're too Damn Close!; Watch Out for the Moron Behind Me; Warning: I Break Whenever I Feel Like It: Bitch on Board; Diva Mobile; No Fear; Keep Honking While I Reload.

So it isn't too difficult to imagine these people having a problem with this concept. Nevertheless, why is obedience important? Well, consider the fact that if everyone did as they desired on the roadways (and I should qualify that, more than they do already-what I call, creative driving) then there would be a greater number of accidents and chaos. Same with obeying any and all laws. Unfortunately, we do have a problem with obedience so there are a lot of laws. But let's move on to how obedience is personally helpful to you.

When the word obedience is invoked, most have a picture of a school marm leveling a ruler at an unruly student. Or Sister Watch-it-mister about to give the boy who can't keep quiet a good dusting, and then some. But that is not what is being spoken to here. Obedience is an essential element to those who are successful. If you are going to be successful, there is a dire need for obedience to your own laws. Of course, these laws are pretty general, but you accept them, modify them, and make them your own. Without obedience to your personal laws of success, if I may, then there is no success. What do I mean?

Well, in order to be successful, you have to have goals: short, medium and long term. You have to focus on them on a regular basis, keep them fresh in your mind and modify them as you see fit. If we are talking success, most likely you are in business for yourself. There are those who have a job and climb the corporate latter to success (at least I think people still do this); however, because of the instability of the current economic environment, more and more people are going into business for themselves. This is happening because some people see the get-a-job-and-find-the-American-dream matrix for what it is. As I've stated previously, more and more people are falling out of the middle class-most, unfortunately, falling down. It is becoming more and more expensive and almost impossible to make ends meet. Here's some interesting information for you, a testament as to why obedience is imperative. I'll explain in a moment. Bear with me.

By 2004, the family budget looks very different. As noted earlier, although a man is making nearly $800 less than his counterpart a generation ago, his wife's paycheck brings the family to a combined income that is $73,770-a 75 percent increase. But higher expenses have more than eroded that apparent financial advantage. Their annual mortgage payments are more than $10,500. If they have a child in elementary school who goes to daycare after school and in the summers, the family will spend $5,660. If their second child is a pre-schooler, the cost is even higher-$6,920 a year. With both people in the workforce, the family spends more than $8,000 a year on its two vehicles. Health insurance costs the family $1,970, and taxes now take 30 percent (today, it's actually 42 to 50%) of its money. The bottom line: today's median-earning, median-spending middle-class family sends two people into the workforce, but at the end of the day they have about $1,500 less for discretionary spending than their one-income counterparts of a generation ago. (Elizabeth Warren, Harvard Magazine, "The Middle Class on the Precipice", Jan. / Feb 2006)

In the early 2000s, the median income for the majority of families (dual income families) was $73,000, of which $55,600 was for fixed costs (mortgage, child care, health care, car, taxes) while $18,110 was allotted as discretionary income. Not much of a buffer, is it? Most of this money being spent on cloths, food, credit cards, cable / satellite TV, entertainment and so on. Even though the families combined income is a 75% higher than in the 70s, the cost of living adjustment has almost negated any gain. So many are now seeing having a business as the only way to go, where you get great tax breaks not great taxation.

So why is obedience important? Why has obedience to your own principles taken on such great importance? Well, because of downsizing, corporate outsourcing, and mostly because of cost of living, there is a greater and greater need for an alternative to the grind-it-out, let-the-tax-man-take-40%-before-you-even-see-it, climb-the-career-latter mode of operation. It is an outmoded and unsafe way to live, living on the edge, or as Warren says above, the "precipice." The belief that an education and hard work is going to help you make ends meet is a myth and a fantasy. You can certainly make more money with mom and dad both at work with college degrees but it just doesn't cut it like it used to.

I know couples who are making $80,000 and are struggling. In my father's day that was enough money to live comfortably, and we did, but now it's a pipe dream, and even dual incomes can't blow out the pipes. So bottom line, if you are not obedient to a constant vigilance of the economic and political environment (national and international), and an observance of emotion based success principles (many people are smart, creative and insightful but shoot themselves in the foot with sloppy, lazy, downright improper thinking habits) in order to make the money needed to live comfortably and with less damn-those-stinking-bills stress, you, my friend, are in trouble. It is time to wake from the matrices you live in, smell the true economic environment and get going.
Before I close, consider these other issues in regards to obedience:

Obedience to truth. Who wants to work with, associate with, be around someone who isn't obedient here?

Obedience to our spouses and children's welfare.

Obedience to our need to support them.

Obedience to choosing leaders we feel would do the best job in government.

Obedience to knowing on a consistent basis where the money's going, how much you have and where you can get more if you need to.
Jeff has worked as a computer programmer, standup comic, college professor, and entrepreneur. He has been writing for over 25 years: novels, poetry, essays, humor.

He reads anything that isn't moving or tied down: history, science, math, theology, philosophy, marketing, sales, etc.

You can find his current novel Black Body Radiation and the Ultraviolet Catastrophe at http://Amazon.com and http://BarnesandNoble.com

Article Source: http://EzineArticles.com/?expert=Jeffrey_P_Brown

Tags: law, laws, personal laws, lawsuite

Personal Injury

By Paul Barry
Experiencing accidents is a part of life. Even if you take the strictest precautions, nothing will prepare you when accidents decide to strike. What is worse is that personal injury due to accidents may not be our fault. We have as much chance getting injured due to other people's negligence than our own lack of preparedness. When you are grieved and hassled because of an untimely event, you have to make sure that the person responsible for your accident will answer to your claims.
Personal injuries caused from accidents can affect you in many ways. Simple injures can give you unnecessary inconvenience; minimal but all the more unnecessary. When the injuries are severe, the toll to your lifestyle is much affected. Pretty soon you will be counting the lost hours from work, missed opportunities, and snowballing financial turmoil such as debt and delayed bill payments. Naming a price for the emotional and physical impact of a personal injury due to accidents is very difficult.
To ensure that you are given the compensation well within your rights, approach a third-party that handles personal injury claims. Personal injury consultants evaluate your case and assess the legitimacy of your claim. If they believe that there is a great chance that you can win your accident claim, they will sign up as your solicitor. These companies are instrumental for the claimant who does not fully understand how claims for personal damages work. The lack of information on the part of the claimant will make them vulnerable when the accident insurance company convinces them to take low cash benefits. At the same time, claimants do not know the limits and the process of making claims. Accident claims exist to establish the rights of the claimant and the obligations of the party responsible for the accident.
Accident claims are a grueling process for the unprepared. Insurance companies can bully you into different terms and conditions to force you to settle for lower benefits. In addition, insurance companies may stall the cash benefits such that it will be useless for you when the cash arrives. Personal injury claim companies will guide you in getting your rightful compensation at the earliest possible time. With them on your side, they can act as negotiators so that you can get more for the financial and emotional damage caused by the personal injury.
Personal injury claims consultants can also help you establish a case against the party that you feel is responsible for the accident. Claims can cover traumas due to medical negligence, road traffic accidents because of an unruly driver, or slips and falls because of a wet corridor in a building. Claims companies will help you go after those responsible for your accident. Once you request an assessment regarding your claim, they will verify if a party is at fault. This way, the accident claim can go after the insurance company of the responsible party to collect the victim's compensation.
Companies that help in your personal injury claims adopt a no win no fee policy. No win no fee policy means that if you decide to make a claim with a solicitor, he cannot collect a fee until you win your claim. In addition, the cost of the solicitor should be reimbursed from the insurance company of the other party. Win or lose, you do not have to pay the claims company.
Making a personal injury claim can be a long process. Insurance laws make it hard for victims to file and process their claims with the insurance company. With the help of claims companies, you are armed with information and resources that you can use as leverage against your insurance company.Paul Barry is a freelance copywriter for accidentclaimaid.com experts in personal injury
Article Source: http://EzineArticles.com/?expert=Paul_Barry

Different Aspects of Personal Injury Laws

By Markus Skupeika
Personal injury laws are defined at state level. A panel of judges and the members of legislatures sit together to create, modify and amend the laws. Personal injury law of one state may not be the verbatim copy of that of another state; personal injury laws of California may not be same as that of Florida.
However, state laws share a lot of similarities as well. While defining personal injury laws, generally three torts are taken under consideration - international torts, negligence torts and strict liability torts.
Three Torts in Personal Injury Laws:
International torts deal with the cases in which the offenders are aware of the consequences of their actions while committing it. The action is intentional. Assault, household physical and mental abuses and workplace bully fall under international torts.
Negligence torts consume the lion portion of personal injury laws. Most personal injury lawsuits are based on negligence torts. The law makes it compulsory for all the citizens to act responsibly and reasonably that any other person would do if placed in similar situation. Simply put, everybody should behave rationally and sensibly so that others do not get affected for their behavior.
For example, a reasonable person would always take steps to remove traces of oil, water or grease from the floor which accommodates a lot of people everyday. Now, if a restaurant owner fails to do so and anybody slips and falls on the floor, the owner is held responsible for negligent behavior under negligence torts.
Strict liability torts deal with a different type of behavior. Here, if the behavior of one person does any harm to another, the victim can sue the offender under strict liability torts. Because his actions injured someone else, the defendant is held guilty. Points like whether he was aware of the consequences or he was not able to conform with normal standards are not at all considered.
Personal injury laws for malpractice:
Apart from torts, personal injury laws in America protect the citizens against professional malpractice. Medical malpractice and professional malpractice laws have been introduced to stop unethical and wrongful actions of professionals including medical practitioners.
Personal injury laws also deal with product liabilities. This section entitles consumers sue the manufacturer of a defective product which caused damage and injury to the users. When a person buys a chair from a furniture store and falls from it while sitting because the legs of the chair were broken, the consumer can sue the furniture store or the manufacturer for compensation.
And there is a part of personal injury laws that deal with transportation laws. Automobile, rail road, maritime and aviation accidents cases use this part of state personal injury law.
How to make full use of personal injury laws:
To make full use of the personal injury laws, you need to understand the section that best suits your case. You have to decide whether negligent tort or the transportation law is the right ground for your compensation claim case.
Feeling lost? Do not panic. It is quite difficult for general people. So take help from personal injury lawyers of your state. State attorneys know the state personal injury laws better than anyone else.
Generally, personal injury lawyers and law firms do not ask the victims to pay attorney fees while filing compensation claim. They collect their fees from the compensation amount at the end of the case. However, you may need to pay court costs and some other fees. So talk to your attorney about the costs; go ahead and apply your rights.Guaranteed Do Not Pay Until You Win with leading Ft Lauderdale Personal Injury Lawyer Boone and Davis.Find out more top Florida Lawyers and get latest legal advice.
Article Source: http://EzineArticles.com/?expert=Markus_Skupeika

Oklahoma Bankruptcy Laws - Personal Property Exemptions

By Apurva shrii
Like most of the other states in America, the Oklahoma bankruptcy law also allows the debtor to use the federal supplement exemptions along with the state specific exemptions. However, it also restricts you from substituting the Florida exemptions completely with the federal exemptions. The complete substitutions of the laws regarding the property exemptions are not allowed.
The personal properties exemptions have been interpreted by the Oklahoma bankruptcy laws in the following manner:
Motor Vehicles
As per the insolvency regulations, the debtor declared as bankrupt is allowed to claim exemptions for any number of motor vehicles. The good thing I that there are no retractions in terms of the number of motor vehicles, but the maximum amount is restricted only up to three thousand dollars.
Clothing
Clothing has also been declared as exempt personal property under the Oklahoma liquidation laws. However, the maximum amount that you can exempt under this category is only four thousand dollars.
Livestock Exemptions
Livestock exemptions have also been included. If you are a permanent resident of Oklahoma and you have been declared as bankrupt, as per the court in Oklahoma, you are allowed to exempt the livestock as much as the following:A maximum of hundred chickens
Twenty sheep
Those five cows who are able to produce milk for human consumption
Ten hogs
And, a maximum of hundred chickens are also exempt under the new bankruptcy laws.
Bridles And Saddles
The Oklahoma bankruptcy laws also allow you to exempt a maximum of two bridles and two saddles.
Claims For Injury
If the debtor declared as bankrupt is eligible for some workers' compensation, such as any Claim for personal bodily injury etc, as per the Oklahoma laws, the debtor can get exemptions up to as much as fifty thousand dollars, but the amount in this category must not exceed this upper limit. What is more, it is also important for you to note here that such exemptions do not include any claim for exemplary or punitive damages.
Other personal property exemptions
The personal property bankruptcy exemptions also include the following, as per the Oklahoma bankruptcy laws:Food materials, furniture, and health aids can also be considered to be exempted, but only up to the amount that should last a maximum of one year. Family portraits and other such pictures are also allowed to be exempted under the personal property exemptions in the state of Oklahoma. Other than that, you can also exempt books of up to any amount. Interestingly, the state liquidation rules also allow you to exempt gun under the personal property exemptions.
As per the Oklahoma bankruptcy laws, you cannot substitute the Oklahoma specific filing bankruptcy exemptions with the federal exemptions completely. However, the bankruptcy court allows you to use the both, in order to claim your exemptions. For example, you may use the personal property exemptions, as specified by the new bankruptcy laws of Oklahoma and other exemptions, as specified under the federal law.
Article Source: http://EzineArticles.com/?expert=Apurva_Shree

Florida Personal Injury Laws

By Josh Riverside
Personal injury law is about torts - civil wrongs recognized by law as grounds for a lawsuit. These wrongs result in an injury and are the basis for a claim by the injured party. The basic principle of tort law is to provide relief for the damages incurred by the injured person and deter others from committing the similar harms. The injured person may sue for damages he or she has endured.
Florida personal injury law: Some general provisions
Personal injury law is a state law created through judges and by legislatures. The law recognizes three general types of torts: intentional torts, negligent torts, and torts based on strict liability.
Intentional torts are those torts for which the defendant intends the consequences of an act. Assault is an example of intentional tort.
Negligence torts, on the other hand, comprise most of the cases under this law. In general, the law imposes a duty on every citizen to behave at least as carefully as a reasonable, ordinary, prudent person in a similar situation. This is known as the reasonable person standard. If the defendant's actions fall short of the reasonable person standard, then the defendant can be found negligent.
If a plaintiff sues under the theory of strict liability, he or she contends that the defendant is liable regardless of fault. The issue of the defendant's negligence is irrelevant. The defendant is liable if the defendant's activity in any way caused the plaintiff's injury.
Florida personal injury law: Other provisions
There are three other personal injury laws. One of them is medical and professional malpractice law, which deals with unprofessional or unethical conduct by professionals. In the United States, medical malpractice lawsuits comprise the majority of the malpractice lawsuits.
The other type of personal injury law is the "product liability law," which gives the right to a person injured by a defective product to sue the manufacturer of the product. The third type is the "transportation law," which deals with automobile, maritime, railroad, and aviation accidents.
Some people believe that personal injury law has increased the amount of frivolous lawsuits. The main aim of these lawsuits is to get fast money. Whatever may be the case, the law gives an injured person his or her day in court.Florida Personal Injury Attorneys provides detailed information on Florida Personal Injury Attorneys, Florida Personal Injury Claims, Florida Personal Injury Lawsuits, Florida Personal Injury Laws and more. Florida Personal Injury Attorneys is affiliated with Florida Personal Injury Lawyers Info.
Article Source: http://EzineArticles.com/?expert=Josh_Riverside

Oregon Personal Injury Laws

By Jennifer Bailey
Personal injury can be a physical, financial or a mental injury caused by another person, object or company. A person can sue and claim for personal injury compensation if he has been a victim of slip and fall injuries, nursing home abuse, car accidents, defective product injury, exposure to toxic materials, medical malpractices, wrongful death (due to negligence), drug injury, dog bite, job injuries, and so on.
Each state in the US has its own personal injury laws. Oregon has some strict personal injury laws. These come under both federal laws as well as state laws. Personal injury law is also known as “Tort Law”. A tort is simply any injury caused to a person by another. Anybody can claim for damages under this law for physical or emotional injury as well as for property damages. In case of death, the family members of the deceased can claim for damages.
Tort Law provides for four main objectives: 1) To win compensation for victims of personal injury; 2) To legally obligate the person who harmed the victim to pay punitive damages; 3) To prevent the recurrence of similar reckless or negligent action in the future and 4) To defend the victims' legal rights. Personal injury cases under the Torts Law can be based on three grounds: strict liability, negligence and intentional wrong. Strict liability is generally against product manufacturers whose product may have caused some injury; negligence is against anyone who could have prevented the injury while intentional wrong is against anyone or anything that has intentionally caused the injury e.g. domestic battery. The Torts Law covers most personal injuries under these three grounds.
There are many personal injury lawyers in Oregon. Information about these lawyers and law firms can be obtained through the yellow pages, or by seeking the advice of your attorney, friends or family members. The Internet is a very good source for finding good Oregon Personal injury lawyers.Oregon Personal Injury Lawyers provides detailed information on Oregon Personal Injury Claims, Oregon Personal Injury Funding, Oregon Personal Injury Law Firms, Oregon Personal Injury Laws and more. Oregon Personal Injury Lawyers is affiliated with Wrongful Death Attorneys.
Article Source: http://EzineArticles.com/?expert=Jennifer_Bailey

Chicago Personal Injury Law

By Jason Gluckman
Personal injury laws offer victims of negligence or criminal action relief from having to deal with the financial and emotional inconveniences that arise as a result of serious injury. Many personal injury law firms deal predominantly with injuries that result in a long-term recovery or permanent disability. In most states, personal injury law cases necessitate the claimant to establish that he or she has experienced damages and that the defendant was undoubtedly accountable for those injuries. A few states authorize settlements to include compensation for pain and suffering in addition to medical bills and lost wages.
Torts are mistakes acknowledged by law as grounds for initiating a lawsuit seeking right for damages. Unlike criminal actions brought by the state, tort lawsuits are on average brought about by an individual, group, or class of individuals who think that the defendant caused them injury due to negligence or criminal action. Tort law exists in order to bestow some sort of assistance on the injured party and to discourage other persons or companies from doing similar damage.
One type of relief given to injured parties is the coverage of all medical bills resulting from the injury. Another is restoring lost wages and ensuring provision for lost earning capacity. In many cases, an award or settlement under personal injury laws consists of both present and probable future losses. Some states also make allowances for pain and suffering and awards in these cases can sometimes result in million dollar settlements for the injured party or multimillion dollar settlements in class action lawsuits.
Some personal injuries are the consequence of criminal actions. These can consist of an injury sustained during a bank robbery or other criminal act. Assault and battery can also be grounds for a tort lawsuit. There are also types of torts including intentional, negligent, and strict liability. A criminal conviction can result in a tort lawsuit, and a tort lawsuit can result in a criminal case.Chicago Personal Injury Lawyers provides detailed information about Chicago personal injury lawyers, Chicago personal injury funding, chicago personal injury law firms, and more. Chicago Personal Injury Lawyers is affiliated with Traumatic Brain Injury Lawyer.
Article Source: http://EzineArticles.com/?expert=Jason_Gluckman

A Dallas Personal Injury Lawyer Can Help You With Your Legal Matters

by Jeff Paul
Personal injury lawsuits cover a great deal of territory. With everything from employment issues to malfunctioning medications, personal injury law can be a complicated field. Getting a Dallas personal injury lawyer in your corner can guarantee excellent and experienced representation in this area. You should find a personal injury lawyer immediately after sustaining the injuries or injustices that have created the legal situation.
Before hiring one, have a brief consultation to learn about the lawyer's own history with personal injury cases, particularly those similar to your own. Personal injury cases can cover everything from automobile accidents, Social Security Disability claims, medical malpractice issues, wrongful death, nursing home negligence, or even employment and immigration questions. Thus, it is critical to review the approach and procedures that the Dallas personal injury lawyer will take with your case.
Clients should be certain that their lawyer will follow the case through to the end, and provide support staff for emergency concerns or issues. Some personal injury lawyers refuse payment until they successfully conclude the case. It is best to work with a group that focuses and specializes in personal injury cases. Laws constantly evolve, and it may be difficult for a lawyer or legal practice to remain up to date with personal injury issues outside their field of expertise. The lawyers at LoneStarLaw.net offer a great deal of personal injury knowledge and expertise. With a history of both family law and personal injury success, their staff and legal experts are a great answer to those in need of a Dallas personal injury lawyer.
Cashman & Conner, LLP is the place to look for a skilled Dallas personal injury lawyer. To learn more, visit them at http://www.lonestarlaw.net.
About the Author
Jeff Paul is a writer and copy editor who likes to share information with others on many topics.

Napoleon Hills Law Of Success

Reading the book The Law of Success by Napoleon Hill has changed my life in so many ways, my goal is to share my experiences on just how it did that.
Using Napoleon Hills Law of Success, to reach financial freedom."Your big opportunity may be right where you are now." -Napoleon Hill
Commissioned by Andrew Carnegie and provided personal biographies to the likes of Henry Ford, Thomas Edison, John D. Rockefeller, Alexander Graham Bell and hundreds of others, Napoleon Hill's indepth research and study of successful persons made him the best-selling success writer of the generation.
Of all of his writings, nothing have ever leveled his grand The Law of Success in 16 Lessons. First published in 1928, these sixteen lessons became the planet's first well-rounded philosophy of personal achievement.
In Napoleon Hill's own words: "The purpose of the Law of Success course is to enable you to find out how you may become more effective in your chosen field of endeavor. To this end you will be studied and all of your qualities classified so you may arrange them and make the best possible use of them."
Endorsed by two U.S. Presidents and countless head of business and industry, it's as powerful and effective today as it was 75 years ago. For dedicated students of success, there is no better primer. This is just the tiniest portion of what you'll learn from this remarkable "Encyclopedia of Success"
By: Allen Loomis
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www.thelawofsuccess.blogspot.comInspirational Quoteswww.beatingtheratrace.blogspot.com

Mother In Law Gifts That Are Guaranteed To Please.

Because she is your mother in law you might feel you do not know her tastes that well, because you’ve not been married to her wonderful son or daughter for all that long …or she's just a little difficult to please, or get to know (despite all the years you and her beloved off spring have been wed.), You've been tipped off by your spouse that she doesn't want another scarf, candle, vase or gift basket. )…or she already has everything she wants or needs apart from the proverbial box to put it all in. Here is a suggestion for a gift that can’t fail, that won't wind up in the back of the closet, re-gifted, or auctioned on eBay.
There are always a couple of people on our Christmas shopping list's that we procrastinate to buy for those who its more like a super human challenge than a pleasant outing at the mall, Who hasn't been struck with that feeling of Christmas shopping dread at the thought of gift buying for those hard-to-please people whether they be our mothers or grandmothers or worse still our mothers-in-law.Well here is the solution to your problem a gift made by a female with other females in mind.
We ladies whether we are wives and mothers, grandmothers or the hated mother in law, all share one common affliction we never feel loved enough! We can never be told anywhere near enough times how much we are loved cherished and appreciated by closest family members, in fact we worry sometimes if we are loved by anyone out there at all.
All you ladies reading this recognize this to be true particularly if you have been a wife and mother for some time , we all feel neglected and unappreciated by our husbands and children to a greater or lesser extent, so benefit from this all consuming female inadequacy and choose a Christmas gift for mom in law that unashamedly expresses a personal outpouring of your love and affection, gratitude and appreciation for all that she does and has done for you , as a Christmas present. This is a gift No woman on the face of the planet could resist not ,even the most cold hearted and cantankerous seeming of mother-in-laws.
Their hearts will literally thaw before your eyes on presentation of such a Christmas present. Shop for Christmas gifts that feature a personal message of love for that important, yet sometimes seemingly impossible to buy for, female of the family. Let me tell you, watching the ice melt from the mother-in-law's usually glacial countenance when she unwraps such a gift is a little Christmas miracle! All to itself.
No matter how aloof and reserved they may appear on the surface all female hearts are touched by openly loving and over the top sentimental gifts it never fails. There is not a female heart of any age or race alive on this whole wide world that isn't affected by such a gift. A Christmas gift that's inscribed with a beautiful, heart-warming sentiment of affection, will strike even the most verbally articulate women dumb, all be it for just a little while -won't that be sweet Christmas music to the ears of any son or daughter in law.
One of Pages from the Hearts best-selling ranges is our” Dear Mom/mum” Album. http://gift_books.wandasworx.com/albums/mums1.html
By: wanrey
Article Directory: http://www.articledashboard.com
By Wanda Reynolds gift_books.wandasworx.com Designer of Pages from the Heart, a unique Canadian, handcrafted gift, an ornamental gift made from real books that have been rescued from the recycling bins of Niagara. They are a 3 dimensional hand molded Ornamental gift, taking the form of an old book, that has been left open at a much loved page ,the books are hand painted and decorated with 3 D paper tole and embellishments a gift of poetry and images on the pages of an old book.

Breach Of Contract Discussion, In Its Laws, Remedy And Lawsuits

Dealing breach of contracts
Every one of us, in some way or the other enters into a contract with another person for many reasons whether as consumer buying a commodity or as a tenant for some lease of property, or as a businessperson in their frequent business dealings or as a professional in rendering its services. These contractual engagements are customary endeavor for all of us people, whether orally made or in writing.
With these, contracts are indeed a valuable tool for us, be for our security and convenience. However, the sad part though, that despite the normal contractual affairs that we engaged into, there are still considerable numbers of people who have no real knowledge about contracts, maybe as a whole, or in some important aspects of their specific contractual arrangements, including contractual breaches and law.
These concerns are something to wary about, as it is logically all-important for one to learn the constitutive matters involved in their contractual engagement.
Thus, it would be worthwhile to illuminate some aspect of contracts, the respective laws that sanctioned it, its remedies in case of breach and lawsuits.
Contracts, discussion:
Contracts
Contract is a document that is sanctioned by law that contains a legally binding agreement between parties whether to do or not do something. Some source defined contract as something that involves “an exchange of promises between two or more parties to do or refrain from doing an act, which is enforceable in a court of law”.
Contract can be entered either orally or written, but for convenience and security of the parties, it would be perfect and preferred that agreements be set out in writing.
Contract laws
Each state and jurisdictions has its own versions of contract laws enforced within their territory.
These state contract laws thus created will usually govern contracts or agreement entered between the parties within their jurisdictional boundaries. But in a more complicated business deal, contract may be governed by one of two types of state law.
Breach of contract, explanation
Breach of contract is a legal term that pertains to circumstances where one party to a contract fails to perform his undertakings, whether deliberately or carelessly, or due to someone else’s interference, in the legally binding agreement.
A party's failure or breach in fulfilling an end under a contract has legal consequences, which can come in varied forms like lawsuits for contractual breaches, damages, or suits for specific performance or reformation or for rescission.
Breach of contract lawsuits
In Breach of contract lawsuits, it usually involves the determination of whether a party has incurred damages. The issue of damages is an important element in this kind of litigation, though the damages due to a party when there is a contract breach are relatively different and is dependent to several factors.
Not all contract breaches are enforceable through the guise of litigation, as immaterial breaches can be cured by some other medium, outside lawsuits.
However, material or substantial breaches on the other hand necessitate lawsuits, as it affects the contract as a whole and that contract damages are apparent- the presence of contract killers.
Remedies in Material Contract Breaches
When material contract breach is committed by one party, the other party to the agreement is entitled to remedies under the law.
The main remedies for a breach of contract are:
(1) Damages, comprising of compensatory, nominal, punitive and exemplary damages
(2) Specific performance, Alternative remedies that can be availed when after assessment by a Contract Lawyer, damages are inadequate as a legal remedy. It is regularly referred to as an order of the court that requires a party to perform a specific act, usually what is stated in a contract.
(3) Cancellation A legal remedy in contractual breaches, which works in voiding a contract relieving all parties on their obligations and undertakings under the agreement. This remedy is available to the non-breaching party.
(4) RestitutionThe legal remedy of restitution is primarily a gains-based recovery, where the non-breaching party who has parted or given a benefit to the breaching party can ask the court to put them back in their former position prior to the breach.
Irrespective of remedies chosen and depending on what remedy is applicable to your case, it is paramount that in taking any of these Breach of Contract remedies, a contract Attorney shall be wage. These matters are all too complex and intricate that requires lawyer’s assistance and help. The Attorney with its experience and qualification can offer valued assistance in the hurdles of your breach of contract predicaments.
By: Claysphere Rivera
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Our experienced Los Angeles corporate and business lawyers are familiar with issues such as breach of contract laws. You can log on to our website and avail of our free case analysis.

Warns Of Laws Against Natural Health Products

Dr. Joseph Mercola has been practicing natural healing methods for over two decades. His website, Mercola.com is known as one of the most popular natural health websites in the world.
Mercola.com provides the latest developments in the world of medicine, including the most controversial issues.
One of those creating the most buzz is Bill C-51, a new bill proposed by the Canadian government earlier this year which is threatening to drastically affect the neighboring country’s health climate.
Among the questionable changes Bill C-51 will bring if passed into law include shortening the process for approving new drugs. Also, with the current rate of drug licensing failure in Canada, around 70% of natural health products will be illegal, allowing government agents to sanction those who are merely sharing a “therapeutic product” with someone else.
So if you’re an American, why should you care?
If Canada adopts C-51, it will allow trade agreements, like the Codex Treaty, to be passed into law without approval from the Parliament. The United Nations-supported Codex Alimentarius Commission has classified nutrients as toxins. The United States has backed Codex to use a Risk Assessment, branch of toxicology, to determine the maximum level of a substance, including nutrients, which may be ingested without any visible biological effects.
Codex has been working to impose a universal maximum “safe” level on every legally produced, used and sold food supplement – vitamins, minerals, herbs, etc. – with “safe” signifying a level with NO physical effect.
The safety of supplements is likely to become evaluated using the toxicology scale if Codex guidelines become part of Canadian law through Bill C-51, putting pressure on the U.S. and Mexico to adopt the same regulations.
The domino effect sparked by Canada’s possible adoption of this bill may lead to millions of Americans not being able to use natural products to improve their health and treat certain illnesses.
Can you imagine not being allowed to use products like garlic, a therapeutic food, or Vitamin C tablets if the U.S. was to follow Canada’s lead?
Read more about this topic and other issues at Mercola.com or send your questions and reactions at Ask Dr. Mercola.
By: bernie BE
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Learn more on how to live healthy. Dr. Joseph Mercola provides health articles for a healthy living. For additional information visit this link - latest-health-articles.blogspot.com

The Laws Of Attraction And Attraction Marketing

We have all been involved in Attraction Marketing all our lives whether we know it or not. But at the time it was simply called the "law of attraction". As children we would cry or throw temper tantrums to get attention. As we got older we used it to gain a girlfriend or popularity in school. As adults we used our job performance to hopefully get a raise or a promotion. Our politicians, local to presidential, use it to gain our attention so they get our votes.
It is a natural part of growing up and becoming adults. However, until recently, it was not applied to internet marketing. At least not in the form of an actual marketing system that can be duplicated and taught to people interested in building a business online or offline.
That has all changed. We now have this thing called attraction marketing. As we have said, it's nothing new. What is new is this systematic system that can be applied to the internet to build a business by creating an audience of people wanting to hear and see what you have to offer. Marketing is the life blood of any business and that is what this system is all about. Showing you how to market right the first time without all the trial and error you must do trying to market any other way. They are calling it a new and innovative system when in fact it is not. What is new is learning how to apply it to the internet.
Attraction Marketing is a process that will teach you how to create that audience of people who are interest in what you are doing and what you have to offer. It's a process that will teach you how to put your clients first and find a solution to their needs and wants before your own. You will create value in their minds and they will be seeking you out for your expertise and you will no longer need to seek them out. You become the hunted and not the hunter.
People, who are interested in building a business, online or offline, are always looking for an expert to teach them how and what to do. Although there are hundreds of business opportunities on the internet, there is a huge lack of information out there as to HOW to build a successful business. We have all joined programs in the past that tell us of all the great tools they have available to us to help promote our business once we join their affiliate program. But they never tell us how to promote.
I am sure many of us have used these tools with little or no success and wound up spending a ton of both time and money in the process.
Through the Attraction Marketing process you can soon position yourself as that expert and how long you've actually been in business does not matter. You will know more and be doing more than 98% of the people already out there trying to do business. The process will help you to create that image and at a very low cost and even at no cost for much of what you will be doing. Oh! Did I mention time? The time it will take you to build your business will be reduced to months and not the years it would take doing in any other way.
How does it do this? It is a process that when learned and followed, will teach you how to take those tools we all know about and link several together, creating a web of content on the internet with hundreds and, over time, thousands of links all pointing back to you and your products whatever they are.
There is no better process out there. If you're serious about business, to get to where you want to be in business and life in a short period of time, it will amaze you how quickly it can be done with this process of attraction marketing.
Do your own research on the subject and I think you will agree.
Thank You
Jerry Lewis
By: Gerald Lewis
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My name is Jerry and I am among the senior citizen generation that is still active and wanting to creat a business on the internet but without the necessity of spending a ton of money and time doing it. See the process I am using to do this renegaderunway.org

Coverage Of Erisa Laws

What are ERISA Laws?
Employee Retirement Income Security Act (ERISA) is a federal law, which is comprised of other laws that cover almost all of the benefit plans in private sectors. The various benefits plans covered by ERISA are maintained and established by an employee organization, employers, or the merging of both employers and employee organizations.
Two of the employee benefit plans that are covered by ERISA are pension plans and welfare plans.
Pension PlansPension plans is a type of employee plan which is maintained and established to deter income or to give retirement income unit the period when the covered employment is terminated.
It does not oblige employers to set up a pension plan but it obliges those who establish such a plan to meet the minimum standards given
In addition, ERISA is responsible for the following tasks including:
• Setting minimum standards for vesting, participation, benefit accumulation and funding. The law identifies the period of time a person may be obliged to work before they become eligible to partake in a plan, to gather benefits, and to acquire a non-forfeitable right for the benefits that they will receive. In addition, the law provides the funding rules that oblige plan sponsors to give sufficient funding for the plan.
• Provide plan participants their right in suing for benefits as well as breaches of fiduciary duty.
• Obliges plans to give its participants information with regard to the plan, which includes vital information about the plan’s funding and features. The plan must also provide some information automatically and regularly.
Welfare Plans
The welfare plans under the ERISA are maintained and established and governed by the Social Security to give employees two important benefits like disability and health benefits.
• Disability Benefits- Disability benefits are given to people who are incapable of working due to a condition that they have that is estimated to last at least a year or even result to the person’s death. Social Security does not give disability benefits to people who only have partial disabilities unlike some programs.
Aside from the person who is disabled, his/her specific family members may also acquire the benefit.
• Health Benefits- When ERISA was amended to widen the protection that it offers when it comes to health plan beneficiaries and participants, the Consolidated Omnibus Reconciliation Act (COBRA) and the Health Insurance Portability and Accountability Act (HIPPA).
COBRA gives workers as well as their families the right to prolong their health coverage for a definite limited time after certain events take place, like losing their job.
Meanwhile, HIPPA gives vital new protection for Americans who are working, as well as their families who have pre-existing medical conditions or might experience discrimination in health coverage because of the factors related to their health.
Aside from the disability and health benefits, there are other important benefits that are covered by ERISA. These benefits include:
• death benefits
• vacation benefits
• scholarship funds
• training and apprenticeship benefits
• prepaid legal services
• day care centers
Importance of ERISA Law for Employees
Through the ERISA law and other related statutes, employees are ensured that they will have financial help and assistance when different events like becoming disable, acquiring a medical condition, among others, take place in their lives. ERISA law continuously lessen the burden from the employees when they are trying to surpass a certain moment is their lives.
By: Jan Camille Canivel
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Our skilled Los Angeles attorneys can handle employment issues regarding ERISA laws and related concerns. Visit our website to avail of our free case analysis.

Are Stun Guns Legal? Laws Regulating Stun Gun Use

Considering the powerful voltages of stun guns, many people ask, “are stun guns legal?” Even though the stun gun is not considered a firearm, there are laws pertaining to the use of stun guns by citizens. Any deployment of such a personal protection device must be accompanied by a legitimate need for such use, as well as the utilization of some good common sense. These are powerful weapons and should not be taken lightly. While they do not cause any lasting damage to the body, accidentally deploying a stun gun shock to one of your friends or family members will not be considered funny.
Are Stun Guns Legal in All States? States that Prohibit Stun Guns :
Many people wonder, “are stun guns legal in all 50 states?” There are several states that completely ban stun gun ownership or use. These states are: Hawaii, Massachusetts, Michigan, New Jersey, New York, Rhode Island, Wisconsin, Illinois, and the District of Columbia.
Cities or counties that are known to prohibit stun gun use are: Annapolis (Maryland), Baltimore city and county (Maryland), Dension/Crawford County (Iowa), and Philadelphia (Pennsylvania). Therefore, when you ask, “are stun guns legal in all states,” it is important to also ask, “are stun guns legal in all cities or counties?”
There may be other jurisdictions that ban stun gun use and ownership, or place certain requirements on it, such as attending mandatory training or completing a background check. If you are interested in purchasing a stun gun, check the laws of your individual state and county to ensure your compliance. Ask, “are stun guns legal” in your local jurisdiction.
Are Stun Guns Legal for Everyone? Individuals Prohibited from Purchasing a Stun Gun:
Other people question, “are stun guns legal for all users?” Anyone under the age of 18 may not purchase a stun gun. In addition, the following individuals are ineligible for stun gun ownership: anyone who has been convicted of a crime and has been imprisoned for such, any fugitive from justice, drug addicts or users, mentally ill persons, illegal immigrants, those arrested for or under court order due to domestic disputes, or anyone dishonorably discharged from the military.
Other Stun Gun Regulations :
Are stun guns legal based upon the same set of law? There are various laws that govern the use of stun guns, although each local jurisdiction presides over the specific regulations.
Laws regarding the ownership and use of stun guns vary from one jurisdiction to another, but the following rules tend to appear frequently across many areas:
-> In some areas, stun guns may not be concealed in a vehicle
-> Stun guns may not be allowed in public buildings
-> Stun guns are never permitted in the sterile area of an airport
-> Stun guns cannot be used in the commission of a crime
-> Stun guns cannot be carried on school grounds (some states allow with a permit)
Some states prohibit the stun gun from being concealed while carried on the person, and some states only allow a stun gun to be concealed inside the home or inside a business.
Stun guns cannot be used against any law enforcement officer without incurring heavy penalties, and a few states require a firearms license in order to possess a stun gun.
In addition to the question, “are stun guns legal,” it is important to ask yourself if stun guns are right for your safety. Carrying a stun gun is an excellent way to provide for your own protection, but it also comes with a tremendous amount of responsibility. Use it only in an approved manner, and take care to safeguard your stun gun so it does not get lost or stolen. Many times, a stolen stun gun becomes a weapon to facilitate other crimes such as robberies. If you have a stun gun registered to you, do not allow it to inadvertently slip into the hands of criminals. If it should get stolen or lost, be sure to report it immediately to your local authorities.
By: John Audlee
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John Audlee is the president of Security Protectors, LLC. and a wholesaler distributer of Personal Safety and Surveillance products. John has been teaching people how to defend themselves for years. Let him show you how to protect everything you value.

4 Secret Jewels To Living The Laws Of Attraction

Attraction is everything all around us. It is who we are from within ourselves which reflects everything in our physical lives, yes I said every single thing. These 4 secret keys to living the laws of attraction will give you the power to mastering the universe and attracting anything it is which you want, let me prove it to you.
1. Universal Intelligence Communicates With Our Sub-Conscious mind -
You must first understand how this all works before you can apply law of attraction to anything in your life. And this is the exact science of how it operates. So I'm sure your asking yourself right now, "well how in the heck can I control my sub-conscious?".
Universal intelligence, God, Dao or whatever you want to label it as is a energy or force that can provide you with anything you desire if you know how to communicate with it the proper way. Universal intelligence communicates with your sub-conscious mind weather you get it or not. Your sub-conscious mind, you know the little 3 year that starts playing around inside your head) is controlling your entire life and every single thing around you.
This is why it is always so important to apply...
2. Daily Repetition Of Thoughts -
This is a vital piece to understanding how attraction works and how it all comes together. You need to place that positive thought of what you want in your head consciously throughout the day repeating it as many times as you possibly can because the only way to reprogram your sub-conscious mind is by repetition of conscious thoughts.
So you control your sub-conscious by repeating those positive thought's with repetition everyday until however long it takes to reprogram your sub-conscious mind so you can attract what you want more of in life.
Here is a gem I'm going to share with you. 98% of all T.V. & radio shows out there are your most dangerous activities you can be doing because in reality your harming your sub-conscious mind with fear. Sub-conscious repetition of fear keeps you trapped in the rat race. So why even watch pointless T.V. or program your mind with your favorite radio songs which instill fear?
3. Positive Emotions -
It is super important to charge positive emotion into every thought in which you want. So when your doing your daily affirmations be sure to uplift yourself and think of what you already have to be grateful for. This will put you in a humble mood which always leads to positive emotion if your being sincere about it.
4. Taking Action -
Ok so now you know how you can start to reprogram your entire sub-conscious mind to start attracting what it is you want in life. Quit watching pointless T.V. and start developing personal growth, learning about how your mind actually works so you can continue growing and blossoming. Have fun with this, when was the last time you listened to an audio book?
Ok so don't matter how wonderful we think and how amazing we feel if we don't understand how to act upon our thoughts and take massive focused action towards them. This is the most powerful quote I have ever heard in my life and it's from Psychology Professor William James which states, "Action seems to follow feeling, but really, action and feeling go together. And by regulating that action, which is under the more direct control of the will, we can indirectly regulate the feeling, which is not."
Professor William James is one of the most brilliant minds to ever exist. If you can understand this quote right here, then you can totally dominate the law of attraction and use it at your will and be in perfect communication with it.
If you don't get the quote it simply means to take massive action, don't think about it just go for it. Like Nike says, "Just Do It." Don't sit back and think but do because thinking instills fear which could hold you back even more, especially when your lacking personal growth in the first place.
Why is it your not where you would like to be today in life? It's simply because you did not know these jewels & the profound meaning behind it to go out and take action to create the feeling you ultimately are seeking. This is how you defeat fear and if you still do not get this then seek the answer of understanding and I promise you that you will find it, you will attract it. Just start by putting the energy out there.
To sum up having the universe being your own personal genie, you can start buy reprogramming your subconscious mind. Choose your thoughts wisely & repeat them throughout the day with repetition and mega charged with positive emotion. You put that energy out there and the universe will provide you the way, then all you have to do is take the required action. Do not let fear keep you trapped in the rat race because "Action seems to follow feeling, but really, action and feeling go together. And by regulating that action, which is under the more direct control of the will, we can indirectly regulate the feeling, which is not."
By: Justin Verrengia
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Learn how law of attraction expert Justin Verrengia & his inner circle are helping thousands of families put $5,000, $10,000 into their pockets every week. visit: www.FunnelOfWealth.info

Dwi /dui Laws - Know Them And Drink Responsibly

Drinking and driving are not the best of friends. Laws against drinking and driving are strict in every state, especially Virginia, in order to prevent accidents and injuries on the road.

If you are a resident of Virginia, you should know the DWI laws before you reach for your keys after having consumed alcohol.


Here is a glimpse of some of the alcohol-related laws in Virginia, where you can be arrested and charged with DWI/DUI if:

- You are caught driving with a blood alcohol concentration level of .08 or more.
- You show signs and symptoms, which clearly indicate to a law enforcement officer that you have had one too many. This means that your manner, disposition, speech, muscle movement and overall appearance are significantly altered by the influence of alcohol.
- You drive after drinking or consuming any intoxicant (drug) either singly or in combination with alcohol to the extent that it retards your ability to drive.
- The following concentration of intoxicants is found in your blood
- .02 milligrams of cocaine per liter of blood; 0 .01 milligrams of phencyclidine (PCP) per liter of blood; 0.1 milligrams of 3,4-methylenedioxymethamphetamine per liter of blood
- You are below 21 years of age, and have a blood alcohol concentration of .02 or greater.

It is important to note that if the Virginia law enforcement authorities have arrested you for drunk driving (DWI/DUI), then you do not have the absolute right to ask for a blood test (which is a change from years past when you had the choice between a blood or breath test).

Additionally, if the apprehending law enforcement officer charges you with DWI/DUI and you refuse to take the breath test, then you face the additional charge of "unreasonable refusal." This charge carries the potential for more fines and associated penalties, including loss of your license for one year without the possibility of obtaining a restricted permit to drive to and from work.

So, the next time you think about getting behind the wheel in a state of inebriation, remember all the penalties you face. Also, please remember that you could seriously hurt yourself or an unsuspecting victim. It is important to realize that nearly one-third of all serious Virginia traffic accidents involve a driver with a blood alcohol content beyond the legal limit and nearly 6% of those drunk drivers had a blood alcohol content more than twice the legal limit!

By: James Parrish

Article Directory: http://www.articledashboard.com


James R. Parrish is a DWI/DUI lawyer in Manassas, Virginia. Mr. Parrish formerly represented law enforcement agencies and instructs law enforcement authorities in Virginia. His law firm offers free information and consumer's legal guides to Virginia residents. dwi.theparrishlawfirm.com/ traffic.theparrishlawfirm.com/virginia-traffic-violations/reckless-driving-lawyer.html

Dubai Rental Laws

With the recent growth and development in the construction and real estate business in Dubai, a simultaneous change in the Dubai rental property law is also witnessed. Due to the rush of people and companies from all parts of the globe, Dubai property rent has increased remarkably. For those coming to Dubai with a view to purchasing Dubai Property and real estate, it is essential to learn these new changes in Dubai property and rental laws to make a Dubai property deal effective.
The new Dubai rental laws and their implication are targeted to help those who wish to rent Dubai properties. The new Dubai Property rental law states that the rent of any property cannot exceed by more than 5% of its lease price. Dubai property allowance is also reserved for the expatriates. The recent Dubai property law enables the employees receive a certain percentage of the yearly housing costs from their companies; however, the rest amount has to be contributed by the employees themselves.
Now delve into the recent changes brought out in the Dubai rental property laws. The new law dictates that there are some additional costs associated with the rent of the property, such as agent commission, car parking money, municipality fees, security deposit money, and other monthly utilities. It must be well noted that the tenants are not authorized to make any changes in the property. The new Dubai property law is much favorable to the tenants. The tenant has to pay the rent for the whole year at a time.
For an expatriate, who is not a holder of the residence visa, the company has to sign the lease document with the proprietor for the concerned property in Dubai. Dubai Rental Committee is the professional body in Dubai to resolve any sort of disputes arising between the tenant and the property owner.
Soon Dubai rental property law is expected to be revamped to make it much flexible for the tenants. The Government of Dubai is taking care of the changes in Dubai rental property law very personally. Dubai rental property law is soon going to take its new shape and will be implemented to ensure full confidence and protection to the tenants.
By: Editor22
Article Directory: http://www.articledashboard.com
The article is contributed by a professional content writer. For further information on Dubai Properties and Dubai property please visit at www.dubaipropertysearch.net

How To Improve Your Relationships With The Law Of Attraction

This is a really important topic for me since I have been blessed to have found my soul mate over 20 years ago. I met my wife Sally when she was 16 and I was 18 and we have been together since and celebrate 17 years of marriage this November. As anyone will tell you that has been in a long term relationship it will have its up and downs, but with work it can be the most rewarding experience of your life. Well it has been for me.
We all want great relationships in our life. Everyone wants a sizzling romance, great friends and a close family. However, relationships can be hard sometimes. Relationships can be challenging. Sometimes it seems like you do everything possible in a relationship, only to have it fail. It can be so frustrating watching how some people seem to have it “easy” with relationships — while your own relationships are so much harder.
The people that have “easy” relationships are most likely using the law of attraction. Some of them may not even call it this, but they are probably using many of the principles of this law. the law of attraction can very easily improve your relationships.
Now there are some things that the law of attraction simply will not do for your relationships. It will not “make” someone have a relationship with you if they don’t want to. the law of attraction is not like some sort of love spell that you can use to magically attract anyone that you desire. The Law of Attraction will easily and effortlessly attract and improve the relationships you are meant to have.
There is an important word to keep in mind when it comes to the law of attraction and relationships: trust. Trusting that you are having the right relationships. Trusting that the right relationships will come to you. Trusting that your relationships will work out. If you have a challenging situation with a relationship and you turn to the Law of Attraction, it is key to add a little trust. Just as with your relationships trust is essential, in using the Law of Attraction trust is also essential.
One of the easiest ways to improve your relationships with people is to remember that “like attracts like.” So what you are sending out into the relationship is coming back to you. That makes any relationship you have like a mirror, sending its reflection to face you. Do you like what you are seeing? If you don’t, then maybe it is time to fix this relationship! Spend some quiet time in reflection thinking of how you could fix this relationship. Think about what you would like this person to give you — and it is funny because that may be exactly what the other person is hoping you will give them! Remember that relationships are mirrors and that what we see is often our own reflection in someone else.
Every relationship you have right now is teaching you something. This is especially important with those frustrating and “hard” relationships. Put yourself in a quiet place and think to yourself “what have you come to teach me?” Perhaps they have taught you about patience by being impatient or about acceptance by being critical. Thank them for this lesson. Often as you learn this lesson, your relationship may change, soften or even let go in some way. The emotions in your relationship will change as you have discovered you have learned the lessons.
A great way to improve your relationships using the Law of Attraction is to express gratitude. This is for every kind of relationship: romantic, friendship, personal, professional and any other type of relationship. Simply saying “thank you” for this person doing something can often mean a lot. How many times have you done something for someone and they haven’t bothered to thank you? Be the first one to express gratitude, and go the extra mile and express gratitude for this person in some unique way. Give flowers or baked goods, something personal and just for them. Often you don’t have to spend a lot of money to say “thank you for being you” — you just have to do something that will touch someone’s heart.
The Law of Attraction can always improve your relationships. Make your relationships easier with the Law of Attraction!
By: John D Edwards
Article Directory: http://www.articledashboard.com
John Edwards is a published author in the field of personal development. He will show you how to use simple, easy and effective action steps to make massive positive changes to your everyday life using the Law of Attraction. Create financial freedom, have a wonderful family life and great health by visiting www.loa-makeover.com

The Real Secret Law Of Attraction

What is Secret Keys To Prosperity? Secret Keys To Prosperity is training and coaching program designed for those who have tried to apply Success, Personal Development, and law of attraction strategies and want to create better and more consistent positive results from their efforts.
Is this affiliated with or endorsed by the creators of The Secret? The Science of Getting Rich Program is brought to you by the teachers featured in the movie The Secret. However, the program is not endorsed by nor affiliated with the creators of The SecretThe Premium Affiliate Membership Program that comes with The Science of Getting Rich Briefcase is designed to help anyone become successful online. To get started with promoting The SGR Program you need zero online marketing experience. The entire ONE-CLICK Premium Affiliate System comes with the leading Internet Marketing Course on how to build a successful online business.
Can I register as an affiliate without buying the SGR Seminar? Yes. Anyone can register as an affiliate and promote The SGR Program for free. To learn more click here. All videos on The SGR Program website are hosted by YouTube. To play YouTube videos you have to make sure that you have the Adobe Flash player installed on your computer.
How much do I have to pay for the Premium SGR Affiliate Membership Program? Absolutely nothing. When You Purchase the Science of Getting Rich Briefcase you automatically receive access to the Premium Affiliate Membership Program. It is part of the SGR Briefcase and it is an optional benefit included for FREE. The Premium Affiliate Membership includes a Bonus Online Website, Marketing Tools and a Comprehensive Internet Marketing Course from our partners at MindValley Labs. Absolutely nothing.Thanks to the Movie, the world is waking up to the law of attraction and millions of people are waiting for more. The opportunity of The SGR program extends far beyond your personal network and the Premium SGR Affiliate Membership Program includes many powerful tools and training lessons to help you rapidly drive a lot of traffic to your personal SGR website.
I signed up as an affiliate but can not log on anywhere??? I am interested in promoting my site with other people and obtaining the new material for my self IDNo 10955. WOW ! Marius you need to come out of your dark place and come into the light ! You clearly missed the concept of manifesting . There have been doomsayers predicting the end since the begining of recorded history .The Science of Getting Rich (SGR) Home Seminar comes contains two major components. First, there is the SGR Home Seminar and second there is the complete end-to-end SGR Affiliate System. Jam-Packed Audio CDs with never-before-recorded audio commentary and summaries of lessons and observations from the teachers featured in The Secret Bob Proctor, Rev.
What exactly is included in the Science of Getting Rich Home Seminar? The Science of Getting Rich (SGR) Home Seminar comes contains two major components. First, there is the SGR Home Seminar and second there is the complete end-to-end SGR Affiliate System. Jam-Packed Audio CDs with never-before-recorded audio commentary and summaries of lessons and observations from the teachers featured in The Secret Bob Proctor, Rev. Michael Beckwith and Jack Canfield to play in the Car.Wealth and greenbacks making comes as a aftereffect of natural sureness in oneself, ones expertise, and being able to uncover the secret to hit that lies deep within at a granular level. Everyone is appreciative of the law of attraction, however in most cases people are not cognizant of how to fully interact with their inner most sub-conscious thoughts. panic attacks, alongside anxiety problems, are horrible mental conditions people sometimes feel they can never get rid of.Absolutely nothing.
By: Walker Hall
Article Directory: http://www.articledashboard.com
Understanding all there is to know about law of attraction mind is