The Law of Attraction Download - The 11 Forgotten Laws

By Julia Denham
Do you want to create a new and better life? Perhaps you've lost your job or are worried that you will, or just aren't living the life you want. If so, the law of attraction download, "The 11 Forgotten Laws" can help you to think differently, and to attract whatever you want.

Perhaps you've heard the buzz about Bob Proctor's new MP3 law of attraction program, The 11 Forgotten Laws. If The Secret was an appetizer, The 11 Forgotten Laws is the full meal. With this law of attraction download, you have everything you need to make deep, profound and long-lasting changes in your life.

Of course, when you're working with the law of attraction, you're not "working" at all. You're thinking differently; this makes all the difference. The life you want is drawn to you, exactly as you visualize.

Bob Proctor freely admits the much material was left out of The Secret movie. The Secret contained essential truths, but they were wrapped in so much glitz and glamor that they were hidden. The power was hinted at, rather than explained in full, so that the audience could use it.

With The 11 Forgotten Laws, you have everything you need to create the life you want and deserve. Since it's a download, you can start working with it immediately.

I've been working with The 11 Forgotten Laws for several weeks. Has my life changed? Although outwardly big changes have yet to manifest, inwardly my life has changed completely. I have a fresh confidence that doesn't fade. I enjoy my life, moment to moment, and of course, I expect -- and know -- that everything I visualize is already on its way to me.

Here's another benefit I've found: I appreciate my loved ones more, and they reciprocate. My happiness has flowed out to others.

Overall, I'm just more relaxed, although I'm more productive in my work and daily life.

If you're looking for a law of attraction download, investigate The 11 Forgotten Laws. Since it's downloadable as MP3 files, you can listen to the program on your iPod or any MP3 player, as well as at your computer.

Have you tried and failed with The Secret? Here's a breakthrough: the 11 Forgotten Laws. Complete training, with new, easy ways to bring prosperity and abundance into your life. Julia Denham has been working with the law of attraction for years; it works for her, when you discover the missing laws, it will work for you too. Visit her blog, The Law of Attraction and Prosperity at http://loa-prosperity.com/

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Tags: law, laws, personal laws, lawsuite

Jim Crow Laws

By Joseph Devine
The history of racism in the United States is known to virtually everyone who resides in the 50 states, as well those people who reside outside of the United States. Soon after their arrival in North America, immigrant settlers began importing slaves. Gradually, as the 13 colonies expanded and increasing amounts of slaves began to be brought over from Africa, settlers began more and more attached to slavery.

Because of the importance of slavery to people of the South, they were willing to secede from the Union, as they attempted to do in 1861, sparking the Civil War. After the South lost the Civil War and had to cease slavery, however, they were not willing to let blacks gain equal rights. As a result, the Southern states instituted a number of racist laws discriminating against blacks. These laws were called Jim Crow laws.

Jim Crow laws were first enacted in 1876. They sought to segregate blacks from white completely. Blacks and whites had different bathrooms. They had to use different water fountains. They had to sit at the back of buses. As time progressed, Jim Crow laws worsened. Many Southern states passed many laws effectively barring blacks from voting. For example, they instituted something called a Grandfather Clause, whereby for people to be allowed to vote, their grandfather had to vote. But because blacks' grandfathers could not vote, neither could the blacks during Jim Crow. Another law instituted by many Southern states was the literacy test, whereby voters had to be literate to to vote. But because almost all blacks could not read, they were prevented from voting.

Jim Crow laws lasted until 1965, when the Supreme Court effectively ruled them unconstitutional. But up until 1965, blacks had endured harsh treatment from whites. Blacks were lynched left and right. They were spat at, hosed, and cursed at. They suffered from inadequate social, political, and economic opportunities, and all of the discrimination was institutionalized based on heavy racism that whites possessed.

While racism has died down today and discriminatory and racist laws and practices are illegal, discrimination through at least subconscious racism still occurs. The effects of Jim Crow laws and racism have trickled down to the modern-day. Blacks tend to mix and mingle for the most part with another, and many people avoid them or have prejudiced or stereotyped views of them based in racist beliefs. Also, blacks often face discrimination in the workplace. They sometimes get passed up in favor of whites for promotion, for example.

For more information on discrimination against not only African-Americans but other groups as well, visit the website of Orange County employment discrimination lawyers of Perry Smith at http://www.orangecountyemploymentlawyers.com.

Joseph Devine

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

Tags: law, laws, personal laws, lawsuite

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