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Legal Services on Contingency Basis

2007-09-13T21:09:00.000-07:00

Do you know that all over the United States, most especially in California, a lot of law firms have been offering their legal services on a contingency basis when it comes to personal injury cases? But when we say contingency basis, what exactly does it mean?

Rendering legal services on a contingency basis means that the client will not initially pay any amount of money as attorneys fees to the lawyer. The lawyer will not charge any acceptance fee, nor any retainers fee or any appearance fees upon the client. In this kind of arrangement, the lawyer and the client agree that there will only be payment of attorneys fees if and when and only in the event that the clients personal injury lawsuit has been successfully litigated by the lawyer for and in behalf of the client. In short, the lawyer will only be paid if the clients personal injury case has been won by him. If not, or if the case was unsuccessful, the lawyer will not get anything from the client as attorneys fees.

At present, the contingency arrangement between a lawyer and a client is becoming more popular. This gives the client the opportunity to file a personal injury lawsuit against the negligent person who caused his or her personal injuries even without spending any amount of money just for the payment of attorneys fees. This will also help clients to consider filing the personal injury case right away without hesitation or hindrance because of lack of money to finance his or her personal injury lawsuit.

So what are you waiting for? Now that you know that there are lots of lawyers offering legal services on a contingency basis, you should already have the courage of pursuing your personal injury lawsuit. Theres no need to hold back and be discouraged. Go and get ready to file your personal injury claim with the help of a lawyer who agrees to render legal services on a contingency basis.

"Our Professional Los Angeles Lawyers specialize in all fields of Personal Injury , Employment , and Disability Laws."

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Do You Know These Things About Lung Cancer?

2007-09-13T19:46:00.000-07:00

Our lung is one of the main "motors" of our body. Yet, often it is not given due attention and care, and it remains in the background when it comes to issues of the hearth or brain.

The main function of our lung is to exchange the gases between the air we breathe and our blood. It is through our lung that carbon dioxide is emptied from our body and oxygen is transported to our blood vessels. It is not widely known that the two sides of our lung are not identical to each other. The right lung has three lobes, whereas the left lung has two lobes, and an additional portion which is called the lingula which is like the middle lobe.

Lung cancer is the leading type of cancer causing death among men and women of the world. It is only since the 1930s that cases of lung cancer started to increase. This is mainly due to tobacco consumption, and the much disputed pollution and smog around the globe. 90% of lung cancers are caused by smoking. Recently, governments and states around the globe have raised the price of tobacco dramatically, having some significant effect on societies in cutting down on tobacco smoking.

Some people mistakenly believe that pipe and cigar smoking do not have such a harmful effect on the lungs as cigarettes. Cigar and pipe smokers are at 5% higher risk to die of lung cancer than non-smokers. This ratio is 25% for people smoking cigarettes.

Passive smokers, i.e., smokers who do not smoke themselves but stay in an environment where others smoke, and inhale smoke, are at 24% higher risk of developing cancer (only 1% less than a cigarette smoker.)

Other danger factors in developing cancer are asbestos fibres, radon gas, familial predispositions (genetic), and other lung diseases, along with air pollution.

Lung cancers are categorized into two types. Small cell and non-small cell lung cancer. This distinction is based on the appearance of the cells under microscopic examination and the appearance of tumor cells. The two types of cancers spread and grow in different ways, thus the distinction.

Small cell cancer is the most aggressive and rapidly growing type of cancers, and it makes up 20% of related cancers. It tends to grow first in the larger breathing tubes and grows very fast spreading around a large area. In its initial stage, it is more sensitive to chemotherapy, but it often bears worse prognosis. This type of cancer is mainly related with smoking.

On the other hand, for non-small cell lung cancer, the prognosis is poor. Patients treated with chemotherapy live generally only three months longer than those who do not get treatment. This type is divided into further two types, one starting from the larger breathing tubes but spreading around slower. This means that the size of these tumors varies when diagnosed. 50-60% of non-small cell cancer starts growing around the gas-exchanging surface of the lung. This form is most common for smokers, and along these there are female non-smokers who are mainly affected.

Our lung is a very sensitive organ, it is often the landing place for metastasis (when cancer cells break away from the primary tumor) of cancer originating from other parts of the body. In this case, we name it by the originating part of the body, for example breast cancer.

Cancer is a sly disease. Women can develop ovary cancer from the originating stomach cancer. It strikes the most innocent, the best sportsman, the firmest vegetarian, anyone without mercy. If it takes your lungs, it takes your breath. Do not give it a chance.

For more information on cancer try visiting http://www.cancercondition.com - a website that specializes in providing cancer related information and resources including information on lung cancer.

Lemon Law Myths and Misconceptions

2007-09-13T19:35:00.000-07:00

Buying an automobile, truck, or sport utility vehicle is often a daunting, stressful and expensive process. People pay more money for their cars than for just about anything other than their homes. And once the vehicle has been purchased, one hopes that it will run just fine for the foreseeable future.

But sometimes things go wrong. For those situations, every state has passed a lemon law, a statute that exists to backup the manufacturer's written warranty that comes with the vehicle. But most people don't know anything about lemon laws and rarely give them a thought until something goes wrong. And once people start to given lemon laws some thought, they often realize that what they thought they knew about them is wrong.

Here are a few things about lemon laws that are often misunderstood:

Used cars are covered under state lemon laws. Generally, this is not true. Most states' lemon laws cover the original owner of a new car only. If you are the second owner of a car, even if it is still under warranty, you may find that your state's lemon law doesn't protect you. There are a few states that cover the car during the duration of the warranty regardless of the number of owners and a few that even have special lemon law for used cars. If in doubt, check with your state's Attorney General's office.

If you buy a new car, you may return it for a refund within three days of purchase. Again, generally not true. It may be true if you buy a toaster, but for large purchases such as a car, once you buy it, you own it. For that reason, make sure that you test drive any new vehicle that you are thinking about buying. And not just one like it drive the exact car you intend to buy. If you are buying a used car, have an independent mechanic check it out before you buy to make sure that it is in good order.

The dealer must inform you if the vehicle has been in an accident. Most states do not require this. Furthermore, it's not always possible for a dealer to even know if a vehicle has previously been in an accident. Dealers are, however, generally required to disclose information about any known damage to the vehicle. Don't expect the dealer to be forthcoming with information that he or she may not necessarily want you to know. Be proactive and ask a lot of questions. And again, if it's a used car, be sure to have an independent mechanic look it over before you buy.

Lemon laws are there to protect consumers from defects in workmanship and to make sure that the dealer and/or manufacturer will repair any problems that arise during the warranty period. But a lemon law is no substitute for diligence or research on the part of the buyer. Know what you are getting into before you buy a car, truck or SUV.

Copyright 2006 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including LemonLawHelp.net, a site devoted to information regarding auto lemon laws.

Should You Start Looking For A Car Accidents Lawyer?

2007-09-13T17:58:00.000-07:00

Most of us have been in an accident in the past but how many of us have gotten in touch with a car accidents lawyer right away? If you have been in an accident then you need to get yourself a car accidents lawyer right away. You have no time to lose when it comes to car accidents. If you put this off you could find yourself in some serious trouble with the insurance company and with the lawyer of the other party.

Every accident is someones fault, lets face it, and no matter if you are the party at fault or not you need to have a good car accidents lawyer. This car accidents lawyer is going to get you the money that you deserve if you have been injured in an accident and if you were the one who hurt someone else the car accidents lawyer will keep you from going to jail or paying a n enormous amount of money. Without your car accidents lawyer you could find yourself in a pretty uncomfortable situation.

Even if you are not sure that you need to hire a car accidents lawyer you should take the time to get an initial consultation. This consultation can help you to get a firm grip on what you need to do in order to not lose your shirt in a legal battle. Let s put it this way, if you are going to have to go to court then you need to have a good car accidents lawyer to go with you. Can you imagine how much trouble you could get yourself into trying to defend yourself or get a good settlement on your own behalf.

There are some things that you need to take into consideration. Look at it this way, even if you think you do not have the money to pay for your car accidents lawyer you could end up paying even more without one. If a person is suing you for your actions behind the wheel then you could be facing a million dollar payout if you lose. Do you have that kind of money? Probably not, if you had a car accidents lawyer you could find yourself winning the suit and not having to pay that kind of money. The car accidents lawyer that you choose should at least be able to get the payment down to a more reasonable rate.

There are a lot of ins and outs to take into consideration when there is a suit at hand. You will have to have certain papers and motions filed before time runs out. If you let time slip past you could find that it is too late to mount a good case, either in your defense or against someone else. You need to get everything taken care of in good time and to do this you may just need to have a good car accidents lawyer.

Lawyers HQ http://lawyers-hq.com/ everything you need to know about finding the right lawyer.

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Types of Power Of Attorney Forms

2007-09-13T16:30:00.000-07:00

A Power of Attorney is a legal document in which the writer appoints a person the right to act on his behalf. The authority you give that person depends on the specific language of the Power Of Attorney form. Sometimes people may make their power of attorney form very broad or sometimes may limit the appointee to very specific actions.

A Power of attorney can be used to give some one the right to sign a contract for you, make healthcare decisions, to handle your money or money transactions, the right to sell your home or car, and including any other legal right to do what the maker of the power of attorney can do themselves.

A "Limited Power of Attorney" gives the appointed delegate the authority to do a specific act, like only the authority to sell your home for you.

A "General Power of Attorney" usually gives the appointed delegate the very broad powers to perform any legal act on behalf of the maker of the Power Of Attorney. These are often times used to list activities you want the appointed delegate to perform.

A "Durable Power of Attorney" was created because Limited and General Power of Attorney terminate if the principal (maker of the Power of Attorney) becomes incapacitated. A Durable Power Of Attorney will not terminate it will continue to remain effective even if a person becomes incapacitated. In every state there are usually laws were a Durable Power of Attorney can no longer be used for an incapacitated principal in certain circumstances. A Durable Power Of Attorney must contain special wording that provides the powers given to the delegate to survive the incapacity of the principal. A Durable Power Of Attorney is effective as soon as the principal signs it unless it specifies that there are conditions but the conditions must be within your states laws.

*This is general legal information to provide basic information about power of attorney forms. For legal advice please contact an attorney. Since your states laws are constantly changing it is always best to consult an attorney regarding your particular case.

This article was brought to you by Legal Forms Bank.Biz Where you can download your state's Power Of Attorney Form, Durable Power Of Attorney Form or Limited Power Of Attorney Form.

The Politics of Law

2007-09-13T14:48:00.000-07:00

According to its founders, nothing is as inflexible as law. However, as time passed and society amended, and the most importantly the existence of legal and paralegal professionals, law has become very flexible. It is the "politics" that should be very flexible with reference to time and place; however, it its modern time, law was converted to be as flexible as politics. 1. What is/are the reason(s) for such the change? And 2. Whether it is good or bad? The following paragraphs aim to answer the above two questions.

Regarding the first question, I have two reasons to verbalize. In the first place, is that the society is changing and always changing too fast and the law must follow such the social changes. For example, in the earlier time, there has never been any internet or email, so law to generates such the multimedia means did not exist. However, after the internet and email exist, the law must exist to prevent internet and email from making social problems. Law must follows every development in the society; sex-oriented television, protections to foreigners and its own citizens, multimedia, online and print media, just to name a so-called few. Not only the development arises in its own society, the law must also follows the development brought in by other countries; for instance inter-state adoption and marriage with foreigners. The law was already imperfect, while the society was small and not diverse, how would you imagine the law when the society becomes unlimitedly diverse?

To me, broad social diversity results in legal loopholes, ambiguity and complexity.

In the second rank, because the State legislative body, non-state legal and paralegal entities and individuals want law to be flexible for their institutional or individual benefits. For very practical examples, a State legislative body would not make the law that undermines its leader's or members' powers and authorities. Royal family would always solidly preserve the law that grants its power to give pardon. Individuals, such as lawyers and other legal and paralegal public or private professionals would prefer law to be subject to loopholes, ambiguity and complexity, so that they can interpret for their own benefits and have many works to execute.

It is good or bad? Everything is always bad when it derails from its origin. As said earlier, law was founded very inflexible, not like politics which is widely accepted to be very flexible. However, I do confess that we will never ever return the law back to be inflexible, since every society encourage personal and institutional growths as the goal of liberal democracy. But we always can do better.

This article was finished at 11:49A.M., Cambodia's time.

Lay Vicheka is a Content Manager of Search Newspaper and Manager-General of Cambopedia Translation Co. Ltd.Any question concerning Cambodian laws, politics and issues are welcomed.

Business contact: 192 Street 63, Boeung Keng Kang I, Chamkar Mon, Phnom Penh, info@search.com.kh, tel: (855)23 996 633, (855) 11 268 445.

Personal: No. 221H Street 93, Tuol Sangke, Russey Keo, Phnom Penh, vichekalay@yahoo.com. Tel: (855) 11 268 445.

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List Building- 5 Ways to Boost Opt-Ins and Conversion

2007-09-13T13:15:00.000-07:00

One really great place to take advantage of other companies' testing is to visit MarketingExperiments.com. Of course, the tests aren't your own, so you can't depend on them solely to operate your business, but it's a great place to start.

A little more than 3 years ago, MarketingExperiments.com conducted a study on subscription rates. They based their findings on many different variables, and though the tests are old, the principles still apply. I'd like to share some of the results with you here:

1) Make your value proposition prominent

A value proposition tells your potential subscriber what's in it for them. The value proposition gives the primary benefit a person will get from joining your list. For instance, what if your niche is bowling? If you can tell people how to increase their scores 20% just by using a special technique via a special report that people can sign up for on your list building page, do you think avid bowlers would bite? No doubt. Especially if the report you give them is free. This value proposition should be your headline.

2) Easy, fast sign-up

Stick to simple information, such as first name and email address when putting an opt-in box on your list building page. The easier you make it for people to sign up for your list, the more likely they will be to do it.

3) Let people know you'll protect their information.

In these days of identity theft, which is all over the media, people are very leery of signing up for anything, especially online. Let them know that you're one of the good guys, at least in theory. "We protect your privacy. Your information will never be sold, rented, or given to anyone for any reason" would be a helpful statement, if you place it directly under your opt-in box on your list building page.

4) Advertise your low-risk factor.

If you let people know that they can unsubscribe at any time, they'll be more likely to sign up. Some people are reluctant to join any lists just because of the sheer volume of mail that arrives in their inboxes on a daily basis. By letting them know they can unsubscribe without trouble, you'll get more people to sign up.

5) Make your list building page the top of your sales funnel.

When leading people to buy your product, which is the true purpose of any list building page, you need to lead them through the process. This begins when they opt-in and it continues with the redirect after they click the submit button. This should be the sales page for your product. Though your special report will sell your product throughout, you'll also want to send list members autoresponder messages with more information about your niche. At the end of each informational email, you include a link to your sales page. Many times, after you've delivered a bit more helpful content, people will come to respect you and buy what it is you're selling.

List building and conversion will see a boost if you incorporate these ideas into your list building pages. Just remember that your customer's question, "What's in it for me?" should always be at the top of your mind. If you can show them what's in it for them, if you help them solve their problems, you'll not only have a valuable list member, but you'll have a customer for life.

As CEO of OvercomeEverything, Inc., Tellman Knudson has become a list building ninja. Pick up all of his list building secrets at MyFirstList.com.

Beyonce Swears by It: This Program Works for Weight Loss and Cleansing

2007-09-13T00:20:00.000-07:00

It is gaining popularity in leaps and bounds and although I heard about this program way back in 2000, I never would have foreseen that it would one day be something that almost anyone in holistic and alternative living would know off AND actually use.

Its known as the Master Cleanser (aka Lemonade diet) and even R&B singer; Beyonce, is in on the program as she reportedly used the Lemonade fasting recipe to shed weight while filming the upcoming movie: Dreamgirls.

Nonetheless, I am of the firm belief that the author or maker of this recipe-the late Dr. Stanley Burroughs-never had any intentions of having this program being seen as a shortcut to a rapid weight loss. Quite the contrary, even though you will inevitably lose the pounds, the goal here is more for cleansing and detoxification, rather than just losing weight quickly or rapidly.

So without further ado, I share the recipe with you so you too can try it out for yourself:

* 2 Tbsp lemon or lime juice (approx. 1/2 lemon)

* 2 Tbsp genuine maple syrup (not maple flavored sugar syrup)

* 1/10 Tsp cayenne pepper (red pepper) or to taste

* Water, medium hot (spring or purified water)

Combine the juice, maple syrup, and cayenne pepper in a 10 oz. glass and fill with medium hot water. (Cold water may be used if preferred.) Use fresh lemons or limes only, never canned lemon or lime juice nor frozen lemonade or frozen juice. Use organic lemons when possible.

The author suggests that you drink a laxative tea both morning and night or use the salt water wash that he recommends in his program in the morning with the tea at night.

From my experience, the best tea to use will be the Smooth Move Tea and for the salt water wash, here are the guidelines:

Prepare a full quart of lukewarm water and add two level (rounded for the Canadian quart) teaspoons of uniodized sea salt. Do not use ordinary iodized salt as it will not work property.

Drink the entire quart of salt and water first thing in the morning. This must be taken on an empty stomach.

The salt and water will not separate but will stay intact and quickly and thoroughly wash the entire tract in about one hour.

Now, coming of the fast is also an important phase that should be approached with caution, I laughed out when I read that though Beyonce may have used this program, she reportedly went on a binge feast of junk food to gain her weight back.

Well, I dont know if that is true, but if it was, that is a No, No!

That can be very dangerous and I am quite sure that even if she did, she would have been wise enough to have at least observe the steps provided in the program on how to prepare the body for solid food to avoid any hassles.

The steps are to drink fresh squeezed orange juice for a day or two after the master cleansing period and on the third morning, have some orange juice in the morning, a mono-meal of fruit in the afternoon and a salad (or preferably more fruit) in the evening.

Then on the fourth day, it is advised that a Mucus-less or Mucus poor diet (which consists of raw and/or properly cooked fruits, roots, leaves and occasional-less harmful whole grains, nuts and seedsif desired) be adhered to for maintenance.

Also ensure that you:

1. Get as Much Fresh Air as possible.

2. Get as Much Rest as Possible

3. DON'T use microwaves...at all.

4. Avoid negative mass media and suggestions.

5. Don't overexert yourself, at least not till you feel up to physical activities

6. Don't break a fast with just any food...fruits are your best bet.

Well, Beyonce swore by it, Robin Quivers, Howard Sterns long-suffering sidekick says it made her drop from 218 lbs to a svelte 145 pound-figure and I have tried it to success, so it does work.

At least it cant hurt and could help immensely my friend.

Either way, here's to health

Aje

Foras Aje is an independent researcher and co-founder of BodyHealthSoul LLC. Stop by His Fasting for Weight Loss Blog today for more information on The Master cleanser lemonade detox diet

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The Top Three Reasons Law Firms Are Not Using Digital Dictation Technology

2007-09-12T23:38:00.000-07:00

In my profession, it is common to ask a lot of questions. Truly, its necessary. A Virtual Assistant is someone who has to know as much as possible about a particular clients systems or way of doing things in order to best configure and make use of available technology to help them do it better, faster, for less cost whatever the client is looking to gain.

I started my VA career almost five years ago and limit my practice to virtual assistance to the legal industry. I do so as I have over 15 years brick and mortar experience in the legal business. Over the past five years, I have asked many attorneys, law firm administrators, paralegals, HR managers, private investigators, IT administrators, managing partners, office managers, secretaries and others about the processes used at their firms. Some use document management software, some dont. Some have websites, some dont. Almost without fail, when asked what the attorneys use for dictation, the most common response: a tape recorder.

Thats good, because dictating is a very efficient process, even with a tape. According to Dictaphone, in 1952 recorded dictation was established as "a time saver over handwriting and stenography among attorneys, physicians and other professionals". The first mini-cassette recorder was marketed in 1973. Do you believe it? That same little recorder still in use at most firms in the US today is the technological equivalent of listening to music on an 8 track!

In any event, if your firm uses tape based dictation, then it is already understood that recording actual firm work product is a good way to get things done and if your firm does not use dictation, perhaps you should be starting with digital so keep reading.

Why Upgrade To Digital Dictation?

Although not as old as dictation itself, digital dictation has been around for quite some time. The medical profession has been using digital dictation technology (call in and portable recorders) for over a decade. Why? Upgrading to a digital dictation process provided hospitals, clinics, doctors offices and insurance companies with:

the ability for doctors to work remotely with nothing more than a phone or portable recorder and internet connection
centralization of document workflow for multiple user, multiple site operations
the ability to monitor work in progress and overall productivity
the ability to track and report various metrics and criteria
the ability to utilize remote transcriptionists and save on personnel costs

The way I see it, any size firm has as much to gain as a comparably sized medical practice by upgrading to a digital dictation process - so the question remains, with so much to gain, Why haven't they!? (Read that list above again with your firm in mind.)

Why Arent Firms Using Digital Dictation?

The main reason, I believe, is no one has put 2+2 together yet. Since digital dictation technology isnt new, not much attention has been paid to it outside the medical industry. Just recently, however, British and other European law firms have been in the news discussing how upgrading to digital dictation has been easier and better than expected.

What About Here in the US?

Listed below (in reverse order) are the top three responses I have received over the years to the question: "Why hasnt your firm upgraded to digital dictation?"

Number 3: "Digital dictation, isn't that speech recognition?"

No, speech recognition is not digital dictation. Speech recognition is software. It takes the human voice and converts it to text. Speech recognition software requires training to each specific user - hours of training for most applications, making the implementation of this technology not practical in most firm settings.

Digital dictation is the recording of your voice with software or equipment that provides dictation functions - stop, rewind, insert and so forth. With digital, however, the recording does not go onto a tape, it gets saved as an audio file (i.e., .wav, .dss). Unlike speech recognition, digital dictation requires a transcriptionist and software to type the recorded thoughts.

By the way, one reason why I firmly believe speech recognition software can never replace a good legal secretary/transcriptionist - no matter how much you train it, it can never catch when you say "defendant' and you should be saying "plaintiff"! ;)

So, while you may have heard or read about the pitfalls of speech recognition technology, digital dictation is a different animal altogether.

Number 2: "If it ain't broke..."

Yes, it is true that tape dictation works and has worked for decades, but so does a typewriter, an abacus, even a compass for that matter. Upgrading to digital dictation is not a fix, it is an improvement to a known process. It is the natural evolution of dictation - from human being (secy), to recorded (tape), to digital (sound file).

When upgrading to digital, what should be highlighted is that those making the recording no longer need to be in the same physical location as the person doing the transcribing - or in today's lingo: can work remotely! Depending on how the capture process is set up, so long as firms dictators have access to a telephone or the internet, they can produce billable time. :)

Since the dictation file created with digital is electronic in nature, it can be manipulated much the same as any other computer file -- stored, routed through networks, attached to e-mails and so on. This makes the dictation file itself much more convenient and user friendly in today's electronic environment (networks, multiple offices, document management software, retention requirements).

Along with remote work opportunities for firm dictators, upgrading to digital dictation provides reporting and tracking on each file as it travels through the process or all of the metrics that a tape based dictation system simply cannot provide.

Hold up a tape and ask an attorney whats on it and see what s/he says! If it were a digital file, however, you always know the date and time a file was created, by whom, how, how long it is, what client it is for, what matter it pertains, and more.

So, from an administrators as well as dictators perspective, upgrading to digital dictation provides quite an improvement for how they work.

and my all time favorite response to

"Why hasnt your firm upgraded to digital dictation?"

Number 1: "We don't like change."

I am not kidding! I have heard this exact phrase more times than I care to admit!

Other than, of course, this response helping me to realize that firms can take forever to reach a decision, it presents quite a conundrum. Why? When upgrading to digital, not much actually changes in the process for the dictator. In fact, Olympus and other major manufacturers even have portable digital recorders in their professional line that have a slide switch. Truly, a digital recorder which mimics an analog recorder's functions.

Therefore, when properly configured, other than the fact that an attorney does not have to get up from his chair to hand a tape to his secretary (or leave on her chair), when upgrading to digital, dictators do not do anything different.

Wrapping It All Up

At some point, every firm has to weigh the pros and cons of any technology upgrade. With more and more equipment and software necessary to stay competitive, no wonder no one is looking for another "upgrade".

Unlike so much of the technology available today, however, digital dictation technology is not new. It is very stable and has been robustly tested, successfully implemented and utilized in various sized environments for over a decade.

This should, IMHO, make an upgrade to digital dictation a must for any firms 2007 budget.

Andrea Cannavina, is a legal technology consultant and Master Virtual Assistant. As President/CEO of LegalTypist, Inc., Andrea helps sole practitioners, law firms and companies which service the legal industry upgrade their processes to digital in order to get more done with less (less employees, less equipment and less stress)!

To learn more visit: http://www.legaltypist.com While there, subscribe to The Legal Connection, LegalTypist's newsletter, full of how tos, reviews and insights to working virtually.

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A Guide To FHA's Home Equity Conversion Mortgage (HECM)

2007-09-12T22:44:00.000-07:00

A home equity conversion mortgage (HECM) loan has been introduced by the Federal Housing Administration (FHA) for the purpose of providing housing solutions to senior citizens. This is a federally insured reverse mortgage loan program in which borrowers can use their home equity towards obtaining a mortgage loan.

Benefits of home equity conversion mortgage loan:

This loan program is unique is several aspects. The borrower is not required to make any repayments on the loan as long as the home is his primary residence. Under this program, FHA does not indicate any sorts of income ceiling. The eligibility criteria for this loan program are also quite convenient. The applicant must be 62 years old and should be the prime owner of the property. Apart from that, he should be residing in the home and must have a very low mortgage balance. Also, the borrower is expected to have complete understanding about the loan program. For this purpose, attending a consultation and counseling session from a HECM counselor is mandatory for the applicant before applying for the loan.

Another unique feature of home equity conversion mortgage loan program for seniors is its convenient repayment terms. The borrower has the flexibility to opt for different modes of loan payment. Also, a borrower can either receive the amount in the form of monthly equated installments or even opt for a line of credit mode of payment.

However, there are certain factors based on which the eligible loan amount is calculated. These include the age of the applicant, the equity built up over the home, FHA limits in the region of residence and the existing interest rates.

Check Out More Articles:

Las Vegas Real Estate Buyer Agent, Money Saving Home Buying Tip , How To Get The Best Deal When Buying A Home

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Bowling Accessories - Which Special Bowling Accessory Should You Choose?

2007-09-12T20:26:00.000-07:00

Bowling has quite a few unique and special bowling accessory items to pick from. None of the bowling accessory items are really necessary but can make the sport more fun. Usually every bowling accessory can be found to borrow at your local bowling alley but, if you really are intent on making this a sport in your life, may want to spend some extra money on your own.

The first bowling accessory you might want to consider is your own pair of bowling shoes. Some may find it nasty to use a rental pair. This bowling accessory can be sized for your particular foot and also any problems you may have with it. You can also pick the materials this bowling accessory is made from right down to the bottom of the shoes.

The second bowling accessory you may want to get for yourself is a custom bowling ball. They come in all weights and colors. You can really be creative with this bowling accessory design. The holes of this bowling accessory can be drilled to fit only your fingers giving you a comfortable grip on the ball for better shots.

No bowling accessory is complete without having a shirt to match. Some of the leagues you may join have this bowling accessory as a required uniform. It may also be necessary to add the custom shirt bowling accessory to a special skirt or pair of pants to complete the uniform. Most of the time this bowling accessory is added to a loose pair of jeans or some other bottoms. The right bowling accessory for those wanting to look their best for the game will include all the shoes shirts, and balls in coordination with one another.

You might want to think of a pair of gloves as a possible bowling accessory purchase. They will protect your hands from blisters and also give you a firmer grip on the ball. The ball can be coated with oil used on the lanes so it might be a good idea to use the gloves to ensure that your hand does not slip. Out of all the bowling accessory items, this may be one of the most essential to the bowler.

The final and most needed of the bowling accessory items you can purchase for yourself is a bowling bag to carry the other entire items in. this bowling accessory also needs to be a coordination of the rest of the attire you have chosen. This special bowling accessory bag will have places for the shoes to reside, slots for gloves if you so choose, and can carry many bowling balls at once.

If you are serious about the game of bowling and want to enhance your game by purchasing extra bowling accessory items, make sure they are coordinated with the other. Each needs to be carefully customized to fit your personality and bowling style. It is so important for your bowling accessory items to be to your liking or else tour game will ultimately suffer. If you do not like your bowling accessory items, you will be less likely to use them.

Jordan Matthews is a work-at-home father with a 239 average who plays in local ABT tournament every weekend. His website offers some tips and tricks about all different facets of the sport of bowling, including bowling technique tips and more.

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Personal Injury Lawyer Can Help Settle Your

2007-09-12T19:33:00.000-07:00

Injury can happen to anyone at any time. However if the injury is caused due to negligence on the part of some other person, you can get a compensation as settlement. A person can get injured in different ways, but if the injury has been caused due to neglect one must not forgo the compensation, which is due. Personal injury can be a traumatic experience for both the victim and his/ her family, and most of the time you will find that the person who caused the injury is not willing to the compensation money. It is in such a situation that you need to hire a person injury lawyer. A personal injury lawyer is a qualified professional who can help you in claiming the money that you can get through compensation. A personal lawyer, who is experienced, can handle your case successfully.

Finding out about personal injury lawyers in your city is not a tough task. There are a variety of sources which can aid you in finding out a good injury lawyer in your city. The local yellow pages are a great and reliable source for you. The web is another option which you can explore. Most law firms and lawyers have a web presence, and through that you can fix up an appointment. If you put up your request in their site, professionals working for them will get in touch with you to set up the appointment for you with the personal injury lawyer. You can also talk with friends and family if anyone of them any prior experiences of dealing with personal injury lawyer.

Before hiring the services of a personal injury lawyer, you must know that there are lawyers who specialize in handling specific injuries. It is just like a doctor who has the expertise in treating certain conditions of the body and not all conditions. So you can find personal injury lawyers who deal with accidents, brain injuries, burns and construction injuries among several others. Make sure that you hire a local lawyer; in fact it will be the best bet for you. You will surely not like to spend huge amount of money visiting the lawyer who may be from out of town. In the entire process can be very stressful for you as you will have to constantly deal with your lawyer and the lawyer of the opposing party as well. So be ready beforehand to deal with all this.

You will be very fortunate if your case is solved early. Mostly, if the case if not of a complex nature, it can be settled early and easily as well. It has been seen that most of the personal injury cases, do not make it to the court. Rather, personal injury lawyers from both the side make an out of court settlement. Only if an agreement cannot be made outside the court, do both parties approach the court for its intervention. At the most a case can take up to one and a half year for settlement. If you have hired an experienced personal injury lawyer, you do not need to worry about anything.

Hadiya Robins is a legal expert. She works for Pulversthompson and gives advice to clients who are looking for New York lawyer, Personal injury lawyer, Attorney Immigration New York. For legal advice and to get services of a Lawyer in New York visit http://www.pulversthompson.com

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Business Law

2007-09-12T17:10:00.000-07:00

Business transactions can be complex, so it's important to have an experienced business attorney on your team to make sure your interests are protected and the transaction runs smoothly. If you are regularly involved in business transactions, it's a good idea to use one law firm for all of your business law needs. Working with the same firm on a regular basis helps you to develop a relationship with your attorney and can prevent vital information from slipping through the cracks because you worked with one attorney on one transaction and then a second attorney on another transaction. Knowing when to use a business law attorney can help you avoid costly mistakes that can make business more difficult.

Business Disputes

If youre involved in any kind of business, a dispute can arise at any time. Business disputes can include breach of contract, construction disputes, commercial real estate disputes, failure to deliver goods, and other related issues. Whether youre dealing with a breach of contract or a failed joint venture, having a business law attorney on your team can help you settle the matter effectively and protect your business interests.

Sale or Purchase of Business

Making the decision to buy or sell a business is one that needs careful consideration and assistance from an experienced business law attorney. If youre buying a business, youll need a lawyer to help you negotiate the price and help you determine if purchasing the business is the right course of action. If youre selling your existing business, an attorney can help you get the best sale price and help you negotiate the terms of the sale with the buyer.

Sale or Purchase of New Jersey Liquor License

The Division of Alcoholic Beverage Control is the New Jersey agency responsible for granting permits to sell alcoholic beverages. If you want to sell alcoholic beverages at your restaurant or other place of business, youll need to fill out all of the required paperwork for getting the license. Without a business law attorney to assist you with the paperwork and make sure you have not made any errors, your liquor license may be delayed or denied. An experienced business lawyer can help with the sale, purchase, or transfer of a New Jersey liquor license.

General Business Counsel

Even if youre not currently involved in a business dispute or trying to sell or purchase a business, a business law attorney can be a valuable asset to your business. An attorney focusing on business law can help you with any aspect of your business including labor and employment law, contract negotiation, corporate formation, and representation during corporate transactions.

Whether your business is in Hudson County or Essex County, an experienced New Jersey business lawyer can help you protect your business interests and ensure that all corporate transactions proceed with a minimum of frustration and expense. Hiring a New Jersey business attorney can save you time and money and give you the piece of mind of knowing that your business is in the hands of an experienced legal professional.

Looking for the best NJ Lawyer ? Look no further, check out our New Jersey Lawyers website today!

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A Story From The Stands - What Have Former Nebraska Football Players Learned From The Game - McCord

2007-09-12T16:23:00.000-07:00

Nebraska fans love defense, especially hard-hitting dominating defense. That's the kind of defense that makes a soft-spoken Fairbury farmer smile. His name is Jim McCord and he knows a little about dominating defense.

"When Jim Ross and his wife came down to see me in 1964, I was ready to sign to play at Nebraska," McCord said The talented Fairbury prospect had other offers. "Kansas State wanted me but they were not very good and I wanted to play in Lincoln."

In the late 1960's Nebraska was playing great defense and one of the most famous defensive players in Nebraska history was also one of Nebraska's leading scorers.

"I played next to Wayne Meylan," McCord said as he remembered those days. Meylan was in the end-zone almost as much as Nebraska's offense and league punters found Meylan on the end of their kicking shoe more often than the pig.

Lincoln had become a pretty exciting place in those years. The new North stadium was done and for the first time, Memorial Stadium looked like a bowl and most of the red-clad fans had bowl fever. Devaney knew he had to deliver.

But great defense wasn't enough in 1967. Lady luck didn't buy a season ticket in Memorial Stadium. Nebraska 20 game home winning streak ended when #4 Colorado beat the Huskers, 21-16. Kansas made matters worse by beating the #7 Huskers 10-0. Mizzo jumped on the bandwagon and downed the Huskers 10-7 and Oklahoma won a close one, 21-14. Devaney's battles with the Bear continued to go bad. And, Nebraska went from No. 5 in 1965, to No.6 in 1966 to out of the top 10 in 1967.

"I liked Devaney," McCord said. "He was a straight shooter, maybe a little bit of a rounder in his day, but he was fair with me. He had a good sense of humor, too."

The coaching staff tried McCord on the offensive side of the ball but it didn't take long to see that his talents were best used on the other side of the line so they moved his 6' 2" 220 lb. Nebraska talent to defensive tackle. "By my senior year, I was 245."

In typical small town Nebraska fashion, McCord is quick to give the credit to his teammates. "Oh I guess I had a few fumble recoveries and tackles," he said as he reflected on those years. "It was a long time ago and I forgotten most of details." A few? Try 61 assisted tackles.

Other people haven't forgotten. They use terms like "really tough" and "hard stick" when they talk about him. He knew his responsibility and took the job seriously. "I think we did have a great defense in those years," he said. "If it hadn't been for a few interceptions and fumbles, we could have had one of Nebraska's best teams."

He isn't bragging. In fact, that may be an understatement. That defense is still number one in the Nebraska record book. Nebraska was yard-stingy giving up only an average of 157.6 total yards per--67 rushing and 90 passing. Nebraska led the Nation in total defense. If defense wins championship, 1967 should have been Devaney's big year.

Besides Meylan, another one of his life-long friends was in that defense. Barry Alvarez, the former Wisconsin Head Coach was a linebacker.

McCord's position coach was George Kelly. "Kelly was a boisterous guy," McCord remembered. "He hollered at Alvarez one time. He called him a Mexican field general. Barry hollered back that he was a Spanish Field General. We had a good time." Kelly was also famous for hollering out, "hit 'em with your purse" if Husker defenders seemed to be loafing a little.

McCord learned early that half efforts were not going to make it at Nebraska. "During my freshman year, after we played our four games, they picked a few of us to play on the scout team and rush the kicking team. I got through and pulled up instead of hitting the punter and John Milton got all over me. He wanted me going full speed all of the time regardless of who we faced."

It would take patience and top effort every time to succeed at Nebraska. "I learned patience when I rolled a hay truck in high school," he said. "I put my leg out when I thought the truck stopped rolling but it hadn't and I broke my leg. I was on crutches for a year."

Even though his seasons at Nebraska didn't produce a National Championship, those years were paving the way for teams that soon would. McCord went on to play in the Senior Bowl and the Blue-Gray game. He also received Big 8 All-Conference honors.

He tried out with the Minnesota Vikings but he didn't stay. "I was behind Alan Page so I wasn't going to play much. I had enough of football and I was ready for other things."

He took his college bride home to Fairbury and out to the farm where they raised four children, one boy and three girls. "The kids liked basketball and were pretty good at it." One of the girls played in a tournament in Madison, Wisconsin so they stayed at the Alvarez home. "Wayne Meylan flew down and hunted with me every year." He said as he fondly remembered his old teammate and friend. Meylan was killed in a plane crash.

McCord loves to roam the sideline of his beloved Fairbury football team. Some of the new kids out on the field, who are taking their first licks, probably don't know who he is. But, when one of them shows the heart to stop a running back dead in his tracks and plant him on the ground for a loss, there is probably no bigger smile in the crowd than the one on the face of Jim McCord.

After all, he knows what dominating defense is all about.

Kenny Miller has been in the creative business for over 30 years. He has created two advertising agencies and is the author of two books: The Last Flight of Kilo Mike; and A Visit to Hartington. Kenny is also a highly experienced professional pilot; a published photographer; and a top-notch storm chaser. Kenny also writes a sports column, A Story From The Stands, which tells the stories of former Nebraska players and what they learned from playing football. His site is http://www.nebraskawriter.com

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The 9 Elements of a Good Recruiting Conference Call

2007-09-12T13:58:00.000-07:00

Do you know how to run a good recruiting Conference Call. If you incorporate the below 9 elements your next call is sure to be a success

1 - Format

You need to have a Format. An Example format might be

Introduction
Presentation
Testimonials
Reactions
Q & A
Wrap up

For The Introduction someone should introduce the main speaker to the conference call or he/ she can introduce themselves. Next you do the Presentation which is discussed in more detail in elements 2 - 6. The Testimonial, Reaction, Q & A and Wrap Up are covered in Elements 7-9

2 - Excitement

You need to generate excitement, You want to have lot's of people on the call all excited about the Business. You want to encourage members to attend the Call even if they don't have anyone on the Call.

3 - Informative

You want to give information about the Company. You want to highlight the Key Points of the Compensation Plan. You want to talk about the Products of course. You also want to talk about the Company Support. What type of tools does the company Provide. What type of training does the company provide.

4 - Motivating

Build a Dream. Ask some of the people what their Dream is, Build a Vivid Word picture of some of the dreams.

If they talk about a dream house, ask them if it has an Ocean or a Lake View. Does it have a Mountain View as well. Is it a ranch or a Multi-Story. What does the kitchen Look like. Do they have a Media Room or a Regulation Indoor Basketball Court. How's about a 9 Hole Private Golf course in the Back Yard. A Buddy of mine has a 2 Lane Bowling Alley in his basement.

If they dream about financial security. Ask them if it means Private Schools and Colleges for the Children and Grand Children. Maybe it means early retirement for them with lot's of trips and cruses and No Money Worries ever.

5 - Short But Sweet

Try and keep the actual presentation between 15 and 20 Minutes

6 - Testimonials

It is really a good idea to have 2 or 3 people talk about what the company has done for them.

7 - Reactions

After the Testimonial ask the people a simple question what do you think. Get 2 or 3 reactions and then move on.

8 - Q & A

Open the line for about 10 minutes worth of questions. Answer each question honestly and truthfully. If you don't have an Answer offer to get it for them.

9 - Wrap Up

End the call and have the call to action. Encourage the attendees to get with the people that invited them to the call to move on to the next step.

About The Author:
Mike Makler has been Marketing Online Since 2001 When he Built an Organization of over 100,000 Members

How to find the Best Home Based Business
http://ewguru.com/comp20

Get Mike's Newsletter:
http://ewguru.com/newsletter

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Dental and Medical Collection Legal Guidelines

2007-09-12T13:12:00.000-07:00

Every medical and dental practice has to deal with patients who do not pay. If it doesn't deal with such patients, the costs will simply be passed on to other patients - the practice may simply suffer or fold.

Yet the very real dental and medical collection laws issues mean you should think carefully before reminding your patients to pay up. In the end, you may very well be better off outsourcing your medical or dental accounts receivables to one of the new medical and dental collection agency/accounts payable processing centers.

According to the Fair Debt Collections Practices Act (FDCPA), your medical or dental billing notices fall under essentially the same regulations as a mega-bank's car loan collections.

Real-World Medical and Dental Debt Collection Law Quandaries Anne, a secretary at Westville Orthopedic Associates, calls up a patient who just turned 18, to remind him of an outstanding copayment. The patient's mother answers the telephone. Should Anne:

1} Take the issue of the co-payment up with the patient's mother?

2} Leave a message with the patient's mother to remind the patient of the outstanding co-payment?

3} Leave a message for the patient to call the Westville Orthopedic Associates back?

4} Say she will call back later and quickly hang up?

All but one of the four options above will be a violation of federal debt collections law. Can you guess which one? The correct course of action is option number 3. Why are the others illegal? Look at each of the options above:

1] It is illegal to disclose a debt to a third party.

2] See number one; remember that messages regarding a debt are essentially disclosures to a third party.

3] This is the only suitable course of action.

4] The FDCPA requires all creditors to identify themselves when making a call. While you can't say what you are calling about, you must say the name of your business before hanging up.

Not ready for your medical or dental practice to become a law practice? You can get around medical and dental collection laws matters by outsourcing the entire job to a professional medical or dental accounts receivable processor or medical collection agency. This option also has the benefit of saving your staff a lot of work. After all, not only is your medical or dental practice not a law practice, it's not an accounts department, either.

If you want to learn Collection Laws, then visit http://www.debt-collection-laws.com for the latest information on debt collection laws and collection agency regulation.

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Cheap Cigarettes, Discount Tobacco and Cigars Online - Is It Legal

2007-09-11T22:06:00.000-07:00

Many people online today still believe that buying tobacco products via the Internet is an experience that is doomed to failure. Either, the package will go astray, or the HM Customs and Excise storm troopers will smash down the door and abseil from the roof to collect the pennies that they are allegedly due for tax evasion.

That may on the face of it seem silly to some of you guys out there, but let us consider the propaganda issued by the UK Government before we find this amusing.

Im a smoker myself and the prices that we are expected to pay in the United Kingdom are outrageous to say the least. As far as this Government are concerned we can just do as we are told and pay up!! I dont think thats right, its time for a change.

I first started buying Cigarettes on-line some 5 years ago and its not been a smooth ride by any means. It was difficult to find a good supplier, HM Customs & Excise had something to say, and sent a bill for every sleeve I managed to get! Until, I realized that it wasnt me that was doing something wrong. It was our duly elected Government that was acting outside the law. Now Im left very much alone to get on with it and make the savings that Im entitled to make as a citizen of the European Union.

These savings do not only apply to me, its your right to make the choice and start saving money online today!

I came across a website that clearly states the law as far as buying cigarettes, cigars and tobacco via the Internet goes and it opened my eyes as to how much Id been missing out on. The website www.discountcigarettesuk.net is an online Tobacconist that delivers direct to your door in the UK. Their cheap, reliable, informative with a delivery time of between 3 and 5 days direct to your door. You cant get better than that. Ive never lost an order.

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Gurus On Success

2007-09-11T21:59:00.000-07:00

Do you like to pop a tape into your cassette player and learn the secrets of success? Do you enjoy listening to a motivational speaker encouraging you to get your get up and go up and going? Are you eager to take on the tiger, go for the gusto, pursue that pot of gold at the end of your rainbow? If so, here is what world-class success experts agree on when it comes to the ways of winners.

Make up your mind to win and nothing else.

Dr. Norman Vincent Peale in You Can If You Think You Can has found the first secret. Peale believes that all the resources you need to succeed are in your mind. If you expect to succeed, you likely will. If you think you will fail, you probably are right. Peale counsels you to expect success.

Pealeisms have a powerfully positive ring. Always play with abandon. It is always too soon to quit. Conditions will shift in your favor. Faith cures fear.

Are you climbing aboard Peale's winners' express? Do you believe you can succeed? Dr. Peale knows you can succeed. You can if you think you can.

Stinking thinking leads to hardening of the attitudes.

Zig Ziglar is at least as colorful as this Ziglarism. In How to Get What You Want, Ziglar quickly cuts to the chase. 'If you don't think you deserve success, you will do things to keep you from getting it.'

How do winners who know they deserve success get their get up and go up and going? Ziglar contends they start from where they are with what they've got. They do not wait for something to change or for things to get better before deciding to succeed. They just get on with it. They go as far as they can see, knowing that once they get there they will always be able to see farther.

Ziglar combines his self-motivation philosophy with personal goals and a zest for people helping people. On personal goals, Ziglar zeros in with a total lack of subtlety. You cannot reach goals you do not have. You cannot reach someone else's goal; you can only reach your own. Thinking you are too busy is stinking thinking. It is not the lack of time that is the problem, it is the lack of direction. Either you think you deserve success and go for it or you will get cooked in the squat which is even worse than it sounds.

'You will get everything in life you want if you just help enough other people get what they want.' For Ziglar, this is the nub of personal goal setting. More eloquently, Ziglar says, 'You don't climb the high mountain by yourself; it is in conjunction with others that you really accomplish the major things in life.'

If you look, think and behave like everyone else, you will look, think and behave like everyone else.

Michael LeBoeuf calls his success philosophy Imagineering. Your uniqueness is your ticket into the winner's circle, according to LeBoeuf. Getting to the circle to be admitted is your personal creative challenge, the problem before you. But waiting on an inspiration is useless. Start on the problem and then the ideas will come. Inspiration, LeBoeuf advises, usually comes to those who have done the groundwork.

In Blow Your Own Horn, Jeffrey P. Davidson shows he knows about the ways of winners. You are your own marketing department, according to Davidson. In one sentence, what is it that you are marketing; what is it that you have to offer the world? If you do not know, no one else is likely to care.

Peter F. Drucker makes a similar point when, in The Frontiers of Management, he says, 'It is your vision or its absence that shapes your future.' Drucker sees success itself as the ultimate test of success; and your personal vision is the key to your status as a winner or loser.

In Developing Winner's Habits, Denis Waitley adds meat to the wishbone of goals and personal vision. Waitley insists that winners never let anyone know they are scared or unprepared. Winners act like winners; they project confidence. Waitley's strategy is to find one good idea to pull your trigger on, remembering that there is still plenty of time to win but never enough time to lose.

Attack the problem and never the people.

Roger Fisher and William Ury in Getting to Yes join the unanimous chorus of success experts in emphasizing the importance of people skills. Fisher and Ury give their attention to negotiating; but their main points could equally apply to almost any success opportunity. Focus on interests, not on positions. Invent options that benefit both sides. Use objective criteria, not opinions or emotions.

Mary Heideman joins the chorus when she counsels winners to take responsibility for people processes. For example, in Winning Over Stress Heideman says, 'Do not be a stress sponge, absorbing the stress of others, thinking you should fix their stress.' Being a stress spreader and participating in pity parties and gripe sessions also are not the ways of winners.

In Coping With Difficult People, Robert M. Bramson extends the repertoire of people skills for winners. Do not automatically respond by trying to solve difficult people's problems. Do not automatically agree with difficult people even if you think they are right. Never argue with difficult people. Always feed back the difficult person's main points before you do anything else. Be calmly assertive and do not let the difficult person run over you.

The range of people tips and techniques emanating from the success chorus is impressive. They extend to every detail of your personal and business life. A tidbit or so more will suffice for now, though.

People do not want to know what you cannot do for them; they want to know what you can do for them. From Developing a Powerful Telephone Image; Dave Winter.

Start by asking the person what's the problem? They will likely tell you. From Turning Marginal Employees Into Productive Employees; Nancy Campbell.

Know what you want, who can give it to you and how to get it. From How to Get Your Point Across in 30 Seconds or Less; Milo O. Frank.

If you always judge new experiences based on past experiences, you will never have any new experiences.

Kevin J. Murphy in Effective Listening may have found the ultimate secret of success. Implicit n Murphy's pithy insight is the kernel from which all other success secrets may have grown.

Make up your mind to win and nothing else. It's a new game. The score is tied: zero/zero. It does not matter how you did before; today you succeed, today you win.

Stinking thinking leads to hardening of the attitudes. It's past thinking, worn attitudes and dated approaches that smell so rotten. Dump the garbage and start afresh. Success requires new thinking, new attitudes, new approaches.

To paraphrase LeBoeuf, if you look, think and behave like you always have, you will look, think and behave like you always have. Here is the problem. It's a new game, things are changing, the world moves on. You either develop a new look, new ways of thinking, new ways of dealing with events or you will fall back, be forced back with the other losers.

You have committed to success, you have dumped the mental garbage, you have new ideas and approaches. What is the problem? What is getting in your way? The answer to this question is the last key to your door of opportunity. Separate the people from the problem. The only person in your way is you. Get out of your way so you can attack the real problem, realize the success you deserve.

One world-class success guru remains to be heard from. I had the advantage of hearing from him about 50 years ago.

I had just finished playing in my first and last 7th grade football game. On the way home, my dad asked, 'How do you think you did?'

With little thought, I said, 'Not very well.'

As we got out of the car a few minutes later, dad said, 'You're right. I think if I were you, I'd find something I was good at and then I would spend all my time getting really good at it.' He smiled and then added, 'I doubt if it's football.'

There you go. Find something you are good at, your niche, your road to success and then spend your time getting really good at it. You will know you are getting really good at it when you follow your chosen road with style, all the time, on purpose; when, as Michael Korda instructs in his work on power, you do everything you do as if it were the only thing that matters. For you, as is true for my favorite success guru, 'not very well' is never good enough.

For more articles and other information and insights from Gary Crow, visit http://www.LeadershipVillage.org or http://www.LeadershipVillage.com

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How To Effectively Blow The Whistle Against Company Fraud

2007-09-11T18:55:00.000-07:00

The US Government loses billions of tax money annually due to some companies incorrectly declaring their tax returns. In an effort to save money companies may resort to fraudulent transactions such as falsifying reports about the quality of their goods and services, stealing corporate resources and other schemes that constitute accounting fraud. To address this issue, the US General Accounting Office started the whistle-blowing initiative in 1979 as a mechanism to combat fraud and abuse in the private and federal sector.

Since then there had been thousands of cases that were filed against businesses that cheat with their income tax returns, and many honest citizens have been rewarded for disclosing information about corporate crime and false practices. The government usually awards the whistle blower about 10 to 30 percent of the recovered money, depending on the participation of the person in resolving the case. Many companies also take part in actively campaigning against accounting and insurance fraud and informing their employees to report immediately to any of their whistle-blowing hotlines to uncover hidden fraud.

If you know of some fraudulent activity that is happening at your workplace, remember that it's your responsibility to stop the employer from continuing to be liable of any theft or fraud to its employees or from the US Government. As a witness and a whistleblower, you are entitled to rights of non-disclosure, until a lawsuit is filed. If your employer retaliates or fights back because of your whistle blowing, you can sue your employer and recover punitive damages.

To effectively report any corporate fraud or crime, contact a third-party whistle-blower hotline to report of such. Under no circumstances should you use your company's telephone or e-mail system to report of such - it is advised to use a different communication system outside your company's network. When in doubt, you can also arrange for confidential legal counseling with an attorney who handles whistle blowing cases to discuss your options.

John Luke Matthews is a regular contributor of relevant articles about the jurisprudence of businesses and employment. He is part of the Mesriani Law Group and is currently taking information technology studies as well. Our Los Angeles Attorneys specialize in all fields of personal injury, business law, social security, and employment cases

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How Can You Benefit From The Mortgage Market Meltdown?

2007-09-11T18:42:00.000-07:00

Unless youve been living on a Deserted Island, Like Tom Hanks in Castaway, Im sure youve been hearing about the mortgage market meltdown. I wanted to take a moment to shed some light on what might be the greatest opportunity of your life.

Only a few months ago, credit was easy to get. Anyone who could fog a mirror could get a mortgage. Now with over 115 lenders either bankrupt or closed it would appear that we are in the worst credit crunch in history.

How can you benefit from this apparent disaster? Thats a great question, I will get to it in a minute, but first, how did we get here?

Easy credit caused you to spend more than you wanted too. With historically low rates and the longest real estate boom in history, Wall Streets appetite for mortgage backed bonds was insatiable. They just couldnt get enough of them.

Homeowners everywhere were refinancing to take money out of their homes. People would pay for everything from home improvements and debt consolidation to daily life expenses with a mortgage refinance.

Then the real estate market slowed and people started to default on their loans. It seemed like it might be contained to just the subprime market, if only that were true.

Then American Home Mortgage, the 10th largest mortgage bank in the US fell victim to an already troubled market place. They went bankrupt in less than one week.

Now lenders are raising rates and tightening up guidelines. It would seem that there is no way a less than perfect borrower would have any chance of getting a loan.

The lenders problems can be your opportunity. Many lenders are desperate for new borrowers. The only way they can stay in business is by making mortgage loans. That is where your opportunity comes in.

While many of you out there will have to pay a higher rate to consolidate your debt, it is still far cheaper than the credit card interest. This time around though, you need to have a plan.

You need to work with a mortgage professional that will help you budget yourself. In the past too many people werent worried about refinancing and then wracking up their credit cards again.

With all the cheap easy money that was out there and with home prices appreciating 20% or more per year, you could just refinance and pay off your credit cards again in a year or two.

Its time to find someone who can guide you through the process and help you avoid going back into debt this time. Its time to stop looking at your home as an ATM machine and get back to basics.

Consolidate your debt, cut up the credit cards, follow your budget and improve your financial life. That is what your new opportunity is!

Marc Savage is a Nationally Recognized Mortgage Expert and Host of Your Home Your Money on AM 540 WLIE Saturday Morning at 10AM. Marc specializes in helping homeowners who have had a bankruptcy or other credit challenge find payment relief, achieve financial security, restore their credit and receive peace of mind. He is also a founding member of the National Association of Responsible Mortgage Lenders. Visit his website at http://www.yourhomeyourmoney.org for more information or call him direct at 800-592-5626.

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Judgment Recover and The Statue of Limitation in Judgment Recovery

2007-09-11T15:44:00.000-07:00

The Judgment recovery statue of limitations points to the most amount of time given to the judgment recovery professional or judgment recovery specialist to file a suit against the debtor again. Statue of Limitations - is an act that was passed by the civil body in the legislatively assembly and was incorporated as a civil law code. The statue of limitation is also known as Period of prescription for judgment recovery - or - the prescriptive period for judgment recovery. Usually, the first thing the defendant or the debtor looks for is the prescriptive period for judgment recovery, if the time period has lapsed the debtor is saved from paying the amount of judgment recovery and other debt. The statue of limitation is usually what covers the debtor or the defendant in the law suit, once established the judgment cannot be recovered! There is no work around for the judgment recovery specialist in such cases where the statue of limitation can be sufficiently proved by the defendant.

The best way to tackle the statue of limitation for the judgment recovery specialist is to check for himself, while the judgment is being assigned to him or her and confirm the case is still outside the statue of limitation! The statue of limitations on judgment recovery defers from state to state, with every state having varied time periods, for the statue of limitations. It covers judgment recovery in all from of agreements including debt agreements, oral agreements, promissory notes, open credit, loans, amount payable, and so on. Depending upon the agreement, there are again variations seen in the statue of limitations for judgment recovery. The rules and regulations pertaining to the statue of limitations, governing the process of judgment recovery, can be found at the local court house, at the office of the state attorney, or directly from the internet.

The statue of limitation governing the process of judgment recovery, is measured from the date the agreement of the transaction is signed, from the date of delinquency of the very firsts payment. The defendant or the debtor is required by law to provide proof, beyond reasonable doubt, to prove the date in the court, for favorable judgment. In such cases, credit reports are often used in judgment recovery cases and these reports a re more than enough to substantiate the time period.

The statue of limitations can be renewed if the judgment recovery specialist can prove to the court that the debtor of the defendant has paid an intermediary amount or made any kind of partial payment, in such cases the date is again renewed and there is a chance to successfully complete the process of judgment recovery. In the favor of the judgment recovery specialist, in some states, the verbal promise of paying the judgment amount is more than enough for renewing the statue of limitations; again rules regulating statue of limitations for judgment recovery are available online and in the local court house.

Hi, I am Matt Le Grant, and I earn magnificently from home. I am a judgment recovery professional. What makes my job much more easier is the Judgment Recovery Management Software from http://legal-software.info Visit http://www.legal-software.info right away for all your legal software needs.

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Do Your Own Celebrity Quick Weight Loss Challenge

2007-09-11T15:29:00.000-07:00

We cannot help but envy the skinny celebrities and wonder if we can even do the celebrity quick weight loss techniques for ourselves. The good news is, the celebrity quick weight loss techniques are not just for celebrities. In fact, even you can do it. After all, celebrities are human too just like you and me.

Celebrity weight loss tricks
You don't have to possess a lot of money in order to partake in the celebrity quick weight loss methods because in fact, some celebrities prefer to lose weight the natural way by eating the right foods and exercising regularly by hitting the gym or by hiring personal trainers.

Looking good in the red carpet
Nothing makes us feel more envious of those skinny stars than by seeing them looking so glamorous and slender when they are walking down the red carpet. A celebrity quick weight loss tip suggests wearing black since it creates a slimming effect. Some full-figured celebrities like Queen Latifah even admit to wearing girdles or corset-like underwear to prevent bulging along their torso and thigh areas. And, when it comes to taking pictures, notice the angle the celebrities pose in whenever somebody needs to take a picture of them? You can easily imitate those poses if you find that you are stuck in a photo session.

Eating disorders and illegal drugs
A full-figured celebrity who suddenly loses too much weight tends to stir up controversy among the media and the public eye. Examples of such celebrities are Courtney Love, Lindsay Lohan, Nicole Richie, and Hilary Duff, who have reportedly lost their weight in a short span of time. It is natural for the public to spread rumors that they all have eating disorders or they have taken illegal drugs just to lose weight. Although some of them claim that they lost weight the natural way through eating healthily and exercise, there are still a lot of rumors and speculations circulating around among fans and other spectators.

Bottom line
Follow the examples of celebrities with more reputable backgrounds and steer clear from fad diets that some celebrities tend to participate in. Some celebrities actually tend to waste a lot of money just participating in diets that they do not even know about, and majority of those do not even work for them. So if there is a new diet available, research and try your best to find out more about it before deciding to participate in it.

Phillip England is a weight loss expert and Author of the popular report "The Ultimate Weight Loss Secret". To receive your free information on the secret that doctors, and health companies either don't know, or don't want you to know, please see http://www.theultimateweightlosssecret.com/secret

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Sony Moved into Laptops with the VAIO Brand in 1997

2007-09-11T00:15:00.000-07:00

Sony was started in the aftermath of World War II, during the rapid reconstruction of Japan that gave birth to its world-leading electronics industry. The company originally had a Japanese name, Tokyo Tsushin Kogyo (TKT), but the founder changed this feeling that a short, catchy name using the Western alphabet would work better if the company wanted international success (this was a rare practice at the time, and was considered a controversial practice in Japan).

The company immediately started innovating, building Japans first tape players and the first successful transistor radios in the world they specialised in taking American inventions and making them smaller and better, and then exporting them all over the world. As Sony made transistor radios smaller and smaller until they were easily portable, sales boomed, all the way through to the end of the 50s. This got Sony enough money to invest heavily in diversifying and building more and more new products, and the rest is history.

Since then, Sony has had many notable products: the Walkman and Discman portable music players, the Minidisc music format, the Playstation video game consoles and even a robotic pet dog, AIBO. Today, Sony is a giant not only in electronics, but also in entertainment, with a movie studio (Sony Pictures), a record label (Sony Music), a video game division (Sony Computer Entertainment) and far more besides. Overall, the Sony Group of companies is one of the largest in Japan, and is also up there with the biggest companies in the world.

Sony moved into laptops with the VAIO brand in 1997, and again found instant success. Originally, VAIO was a brand of desktop and laptop computers, but Sony stopped making the desktop models after the laptops became a runaway success. They built a reputation for high-quality components, good bundled software, low weight and long battery life, making it the laptop of choice among many high-end Windows users.

John Gibb is the owner of Sony laptops advice For more information on Sony Laptops check out http://www.Sony-Laptops.info

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Obesity And Pregnancy

2007-09-10T21:33:00.001-07:00

If you are overweight when you become pregnant, your physician will likely recommend that you gain less weight than a woman who is average or normal weight. You should not diet during pregnancy because it is vital that you supply your body and unborn baby with an adequate number of nutrients. What you can do however to minimize your weight gain is to ensure that you eat a healthy selection of foods during your pregnancy.

One of the best things you can do to avoid too much weight gain is ensure that you have a healthy selection of snacks handy when at times when hunger strikes. Think about things like yogurt, raisins, nuts, fruit and other healthy selections that are not only convenient but also taste good.

There are health conditions that being overweight or obese increases the risk for during pregnancy. Among these include:

- Preeclampsia

- Premature Birth

- Gestational Diabetes

- Cesarean Sections

Giving Birth to Children with Obesity Problems

Unfortunately women who are already overweight prior to pregnancy are more likely to gain excessive amounts of weight during pregnancy. Several studies have suggested that more than 80 percent of overweight and obese women will gain too much weight, defined as weight exceeding 40 pounds or more, during their pregnancy.

Women who are obese and give birth are also more at risk for maternal mortality during labor and delivery. The cesarean rates are often higher because labor fails to progress in a timely fashion.

Did you know that gaining more than the recommended amount of weight during pregnancy also puts you at risk for being overweight several years after pregnancy?

Babies born to mothers that are overweight might also experience a number of health problems. Those most often cited by studies include an increased risk of congenital heart defects and a greater risk of neural tube defects.

The best thing you can do for yourself and the health of your unborn child is maintain a healthy weight prior to becoming pregnant. If you are overweight, work with your healthcare provider or a nutritionist to come up with a sound dietary regimen that will ensure that you gain an appropriate amount of weight for maintaining a healthy pregnancy. Adopting healthy habits during your pregnancy often results in a carry over effect, meaning you are more likely to eat healthily after giving birth as well as before.

Article by Beverley Brooke, author of "Ensure a healthy safe pregnancy for you and your baby and lose weight after pregnancy", visit http://www.pregnancy-weight-loss.com for more on obesity and pregnancy

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Should I Hire a DUI lawyer?

2007-09-10T21:19:00.000-07:00

The main reason anyone would ask that question is because they have been charged with some form of DUI (driving under the influence) or DWI (driving while intoxicated). If this sounds like you or someone you know you need to hire a lawyer as quickly as possible.

There are several reason why you need a qualified DUI lawyer working hard for you. Primarily they will know your legal rights in regard to the specific charge against you. Thus, they will be able to help prevent you from self-incriminating yourself or any other mistakes you are likely to make.

Moreover, if the charge is a serious one, which hopefully it is not, they will know how to defend you in court. You need the experience of a good DUI lawyer because they understand how to talk to judges, juries and the prosecution. And once again they will know the law far more throughly than you will, given their years of legal experience.

Probably the most common argument against hiring a DUI lawyer is that they are expensive. Well this is a valid point any good DUI attorney is going to be expensive, but that is because of the value they provide. For example, how much would you pay to avoid going to jail even for a few months. For many people the cost of the DUI lawyer when compared to the potential fines and/or jail time of not; find that hiring one is a good investment on their part.

There are however some common misconceptions about what a skilled DUI lawyer can and cannot do. Most importantly they are not miracle workers. If you have driven drunk and killed someone there is no way that you are going to get away with only a fine. People often see shows such as Law and Order and think that lawyers can get people out any situation.

The truth is that if you are guilty of killing or seriously injuring some one while DUI you will face jail time. However, even in these cases it makes sense to hire a good DUI lawyer because they may be able to get your sentence reduced somewhat, especially if you plead guilty.

The situation where DUI lawyers work best though is for first time offenders. They can ensure that the fines and/or jail time will be as minimal as possible. Think of them as your get out of jail free card, that you can only use once. The more serious the DUI offense or the more DUI convictions you have the less leeway a DUI lawyer will have with your case.

Thus, if you have been charged with a DUI or DWI you need a lawyer on your case. Just remember that they are not miracle workers. They have to work with the particularities of your case and history. In the end though you will be glad you did. Better yet, don't drink and drive in the first place and you will never have to ask this question again.

Ian Wright is not a lawyer but writes about many legal issues on his websites. He strongly disagrees with people who drink and drive but respects their legal rights. For more information about this issue please visit his sites about: DUI Attorney and Lawyer and Illinois DUI Attorney.

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Find Out If You Will Be Successful As A Franchisee?

2007-09-10T19:01:00.000-07:00

Will I be successful as a franchisee?

One of the soundest pieces of advice to take when considering becoming a franchisee is to Assess Yourself. Assess whether you can accept direction. Some people cannot. Assess whether you can work within definite systems and structures without feeling trapped. Assess if you are committed to the franchise concept and if you believe in it. If you feel that you can work within these parameters then go for a franchise. If not, then a franchise may not be for you.

Also realise that owning your own non-franchised business is nearly 3 times more likely to go broke than a franchised business. In todays cut throat world you should take every edge you can get. And dont forget, you are going to be your own boss, if you would sack yourself it may be wise not to have your own business at all.

Are franchises fool-proof?

Absolutely not. Franchises rely on you to succeed. Even if you succeed certain things may occur beyond your control that may make your franchise crash. These aspects are potential failures of the franchisor. Regardless, of how well you run your franchise you may be forced to close because of the performance of you franchiser.

The main ways your franchiser can crash are:

Structure of the franchise

If the franchisor decided to start the franchise with no testing, a short track-record, bad advice, the structure of the franchise may be flawed. If this is the case the franchisor may run into financial difficulty. If that happens then the parent company that owns all the franchises may be forced to cease operation.

Bad franchisees

Most franchises have a means-tested selection process. This is because franchisor want to ensure that the best people, or at the very least, technically competent people, run the franchises. If there is no selection criteria then the franchisor cannot ensure success. If there is set selection criteria then the franchisor has tried to mitigate risk in this way. Entry qualification to starting a franchise should be something to look out for. If it is too easy to be a franchisee then it may be wise to avoid that particular franchise.

Dominic Dirupo survived the Tech Boom and Crash with Goldman Sachs and Deutsche Bank after graduating with Honours at London's City University. Now, he is Managing Director of IMI Trust, a specialist company supplying support services to financial groups.

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Dieting Makes You Fat

2007-09-10T18:30:00.000-07:00

"Whatever it is that you most want truly lies only a thought away" - Mike Dooley

The reason dieting makes you fat is because your brain is specifically designed to keep you from losing weight. The ability to store fat was a survival mechanism that helped our ancestors survive when food was scarce. When you deprive yourself of food, your body thinks youre starving and your survival instinct kicks in. To save your life, your brain slows down your metabolism and releases hormones that store fat.

Every now and then, when you got sick and tired of the extra weight or had some external motivation such as a new relationship, you were able to deprive yourself of the foods you love and force yourself to do exercise you hate for a week or a month or more to lose some weight, right? But then what happened? If youre like 90% of dieters, you gained the weight back and then some. America's number one health crisis is said to be the growing number of people who are seriously overweight. Check out these gloomy statistics:

Over 60% of Americans are overweight or obese.
75-80% of American women diet and hate their bodies.
As the $40 billion diet industry grows, so does the overweight population.
90% of dieters gain back the weight they lost.
37% of fourth graders have dieted to lose weight.
Liposuction is the most popular cosmetic surgery performed in America today -- for both men and women.

Are you ready to lose the weight you've gained from dieting? The answer to the universal weight loss struggle is contained in a universal law called the Law of Attraction. Like the Law of Gravity, the Law of Attraction works perfectly and impartially at all times in all situations for all people. According to the Law of Attraction, you magnetize and attract to yourself whatever you think about. Your thoughts created the body you now have. Your thoughts can create the body you would like to have. Therefore, to be thin -- THINK THIN.

With the Law of Attraction, you can attain and maintain your ideal weight without dieting. Theres no deprivation and no forbidden foods. When you apply the Law of Attraction to weight loss, you can THINK your way to your ideal body. You can eat whatever you desire. You can enjoy food again. You can free yourself from the weight loss struggle.

The only diet that will ever work in the long term is to eliminate negative thoughts thoughts of what you dont want, thoughts that make you feel bad. The only exercise that will ever work in the long term is mental exercise continually bringing your mind back to positive thoughts, thoughts of what you do want, thoughts that FEEL GOOD. The Law of Attraction works. The question is: Is it working for you or against you?

Kate Corbin is a Law of Attraction Life Coach and the creator of Gold Star Coaching. Both her coaching practice and her books Dining at the Cosmic Caf: How to Be and Do and Have Whatever You Desire and Think and Grow Thin with the Law of Attraction http://www.goldstarcoaching.com/ebook.html are designed to empower you to truly live the life of your dreams. To contact Coach Kate, check out her books, and subscribe to Magical Musings, visit http://www.goldstarcoaching.com

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