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Author: Randy Gonzalez

The Law of Attraction’s Lack of Attraction
The Law of Attraction or otherwise known as the “LOA” as plenty of hype going around. Many people are becoming obsessed with the thought of being able to control their lives simply by fantasizing about what they really want.

For those of you who have not yet heard of this new phenomenon the Law of Attraction states that if you focus your thoughts on anything whether the thoughts be positive or negative that is what you will manifest into your life.

To many, this means that they can change there lives without putting in any effort. Simply sitting around daydreaming and waiting for their dreams to come true.

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If you already knew about the LOA and are not one of these people then you can only be one of the other two. The first is the “Skeptic.”

These people don’t believe in the Law of Attraction saying that this can be a scientific theory since science can be proven and proven wrong. However, if you don’t believe and it is real then the LOA states that it works even without you consciously trying.

Meaning even if you don’t believe your thoughts are being manifested anyway. Plus, there is an explanation to the Law of Attraction.

It can all be explained by subjective reality.

Subjective reality is where there is only one consciousness and that’s yours. No matter what other people do or intend only come from your inner conflicts since you are the only one with consciousness.

However, just intending something or visualizing it won’t bring the LOA into play. The skeptics are watching the first group of people fantasizing about their wants and just waiting for them to happen. So of course they’re not going to believe in the LOA.

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December 11, 2019
The Most Effective Free Way to Find the Best Online Law Degree Program
After several decades, things around the country have been considerably changed as a result we live in a world increasing rate of crime, the way people behave, understanding and interact with each other. The rate of divorce has recorded unprecedented increase; lots of people seemed to be involved in some sort of lawsuit. But this is a welcome situation for those in the legal field. Consequently, students in this filed have continuous prospect which makes the degree to be more popular. Many institutions are involved in offering online law degree programs, but for you to make the desired success you need to be capable of choosing the best one for yourself.

In choosing the online law degree program to enroll in, you need to first and foremost pick out some online schools you know you can register with, and then check their reputations and rates of success of the various schools you choose. A school that has a bad reputation will definitely add nothing to your career.

Endeavor to thoroughly research and investigate the content of the course you are taking. Through this way, you can distinguish college and university online degrees because flexibility offered by schools cannot be used to differentiate them. This is because different university and college online degree programs look for different students. Student with no previous experience of law are needed by some schools while others target professionals who want to advance their careers. Therefore they only way you can know who the schools exactly wanted is by checking the online schools course content for the program.

You need to be certain the aspect of legal study you are interested in because it will immensely help you make your mind up for the course you need. So, family, criminal, property law and so on are among the ones you are to choose from. Therefore, you can actually find the best only by comparing the various universities and colleges that offers the degree programs in question.
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December 11, 2019
Legal Landmines – 2009 Law Changes Could Impact Your Business
Employee lawsuits are distracting, expensive, and mostly avoidable. Jury Verdicts Research 2007 edition of “Employment Practices Liability, Jury Award Trends, and Statistics” highlights some employment statistics and trends that you should know:

Employee lawsuits have risen 400% in the past 20 years to the currently level of 6.5 claims per 1,000 employees annually

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The most common targets for Federal discrimination claims are private employers with between 15 and 100 employees (41.5%); second are private companies with an excess of 500 employees (23.9%); and third are private companies with between 100 and 500 employees (18%)
In any employment case filed in federal court, there is a 16% chance the award will exceed $1 million and a 67% chance that the award will exceed $100,000; attorney fees are not included
The average compensatory award in all federal court employment cases was $493,534 and reflects a 45% increase since 2000; a compensatory award does not include punitive damages or attorney fees
In State courts, compensatory awards are up 39% while wrongful termination claims are up 260%
If an employment lawsuit goes to trial, plaintiffs are more likely to win 67% of cases in State court and 63% in federal court
The cost to settle an employment lawsuit has grown significantly over the last 5 years, from an average of $130,476 in 2001 to $310,845 in 2006
These general statistics are sobering and are cause for concern to ALL organizations. Compounding these are recent changes in Federal and State laws that affect almost all organizations. In a litigious employment environment that seems to increasingly favor employees, risk-minimizing organizations MUST understand the recent changes to the Americans with Disabilities Act (ADA) and Family and Medical Leave Act (FMLA) regulations. Employers should take immediate steps to assure they are in compliance with new laws to protect themselves from future liability.

What Americans with Disabilities Act (ADA) 2009 Changes do I Need to Understand?

The ADA requires employers with 15 or more employees to provide qualified individuals with disabilities an equal opportunity to benefit from employment-related opportunities. It prohibits discrimination in recruitment, hiring, promotions, training, pay, social activities, and other privileges of employment. It further requires employers to make reasonable accommodation to the known physical or mental limitations of otherwise qualified individuals with disabilities, unless it results in undue hardship to the employer.
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December 11, 2019
Manifesting Prosperity With the Law of Attraction
It always seems really unfair that the rich keep getting richer and the poor keep getting poorer. The poor guy can’t seem to catch a break while the important people in society couldn’t be making more money. No matter how unfair this seems it makes perfect sense in the Law of Attraction.

The rich get richer because they are using the Law and its positive energy. They have a lot of money so they feel good about money. Therefore, more money is coming into their lives. Then we have you. You are swimming in debt and not making much, which then makes you have a negative feeling about money. Since you hate money, you are not attracting it to you. You need to start changing the way you think, but how are you supposed to do that when you have so many bills to pay? How can you possibly feel good about money when you don’t have any?

The whole purpose of the Law of Attraction is to bring things to you that you don’t have. If you had money, you wouldn’t have this problem. You need to visualize money coming to you and feel good about it. Only that way will you start to manifest prosperity. You can start small and feel good about bills coming to you because you know that money will find its way to you. You might not realize it at first, but the Law of Attraction always finds its way to you so you can start living the life you have always dreamed of.

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December 11, 2019
Rising Pay Scale May Dull India’s IT Outsourcing Industry
But now the fact is rising pay scale may dull India’s IT Outsourcing Industry. It is found that country’s IT services is getting more and more expensive day by day. Pay scales of the employees in the country are also rising rapidly.

Demands and expectations of the employees are also increasing with their increasing demand in the market. Inspite of the fact that with an anticipated rise of around 28% in the financial year 2005-06, scorching rise carry on to be the trend this year also. Till date country has the monopoly in the IT industry as far as IT Outsourcing is concerned. Along with Offshore Software Development country is also demanded for BPO services. Lots of overseas big giants have their presence in India for such IT services.

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But now the time has come to think something about the rising salary of the employees in India. Foreign countries used to come to India as they found the lower labor rate in the country. But the recent survey taken place by NASSCOM suggests that the average pay scale of the employees has increased between 16 and 18%. This is really very serious matter. Because rise in the pay scale would make MNCs to search for some other overseas destinations. So the country should take some steps towards this trend. Outsourcing firms are now falling prey to mounting pay scale costs for specialized skills and talents and the requirement to constantly supporting reward exercises to the market continues.

IT Outsourcing industry

If the pay scale of the employees in IT Outsourcing industry would continue to grow in the same manner than within a short period of time country may loose many of its Offshore Outsourcing contracts. This effect may play major role in BPO industry as the rising pay scale ratio is very high in that sector. India is also that much famous for BPO services also. Most organizations in IT & ITeS have now selected to tolerate the tax load themselves rather than pass it over completely to the staff. This step of the companies is to manage the rise in the pay scale of the employees. Over the years IT sector has observe almost double digit growth in the pay scale. This area really requires attentions of the authority.
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December 11, 2019
Digital Printing’s Impact on the Modern Printing Industry
If you’ve ever used one of the old dot matrix printers with rows of holes to feed the ream of paper and dealt with the constant paper jams, then you have an idea of just how far technology has come in the printing industry. Long gone are the days of slightly fuzzy text and faded grey images. Today’s printing process has gone digital, and the benefit clearly shows. From the strikingly clear images to the brilliance of the colors, digital printing displays everything on your company’s marketing material, stationery, business cards and more with as much detail as a photograph. And the best part? Digital printing has revolutionized the printing industry to make it possible for any company, whether it has 10 employees or 10,000, to show the same level of quality as much larger corporations with every piece of printed media, and it can be accomplished both quickly and inexpensively!

Still not clear on the difference between digital printing and making color copies at the local 24-hour shop? The main difference is quality, which is best explained by how digital printing actually works. Digital printing is actually a bit of a misnomer, as the process doesn’t apply as much to the printing itself as it does to the way the image is transferred to the printing device. Think of it this way– with a traditional copy machine (even with the highest quality color copier), when you place a piece of paper through the machine to be copied, the resulting page can only ever be as good as the original in your hand. That means if you have a slight crease where you held it in your hand or a speck of dust on the copier, it will show up in the results. With digital printing however, the image, whether it be text or a full color photograph, is taken directly from a computer file and output through the printing device. The end result will be as good as the original every time because there is never a physical piece of paper being copied.

It seems like with technology this foolproof, everyone would be using it, but that is clearly not the case. According to theprinters.com, a company specializing in digital printing, the printing industry has remained behind the times when it comes to digital printing. Newer high-speed digital printing devices have been able to produce single and multi color images for over a decade, but less than 5% of printing companies have actually installed these devices. There are approximately 30,700 printing companies in the United States alone according to the 2006 U.S. Industry & Market Outlook by Barnes Reports so it is difficult to understand how such a large industry can be so slow to embrace new technology.
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December 11, 2019
51 Billion Dollar Industry
51 Billion Dollars and rising! Sounds like a company a wise investor should invest in. After all, having a piece of a 51 billion dollar industry is an exciting prospect, filled with anticipation for the future right? Not this time. This industry takes away any hope for the future. Any promise of potential greatness is dashed to the ground, becoming ashes and dust when people continue to invest in this business.

Warnings have been issued over the years advising people to avoid investing in this global industry. Still people chose to purchase the stock – some one share at a time, others in large quantities. Each time they invest even one dollar into this corporation, they participate in destroying their own lives as well as the dreams and aspirations of others. Family and friends are even forced into the role of unwitting participants.

The government has taken a stand, as well as various groups around the globe, making it harder for people to invest in this corporation. Still people chose to disregard the signs that will eventually lead to their own demise. They continue their dangerous path of destruction. Why? Why do well educated human beings choose a pathway that is known to cause heartache and utter despair in order to be part of 51 billion dollar industry?

Doesn’t this elusive business have enough of our hard earned money? As well as our personal blood, sweat and tears? I’m sure you’re probably wondering to yourselves “What industry can she possibly be writing about?” Perhaps you would like to know if you have somehow missed the hundreds of warnings that are issued each year about this industry. Well here is the answer: Have you ever gotten behind the wheel of a vehicle with any alcohol, even one drink in your system? If you have, then you have invested in the 51 billion dollar club.

It is estimated that each year 51 billion dollars is spent on alcohol related crashes. During 2003 (NHTSA 2004a), 17,013 deaths occurred in the U.S. alone because of alcohol impaired drivers. 2,136 of those deaths were children under the age of 14. These investors have killed the future. This represents nearly ½ of all traffic related deaths in the U.S.

Most of those murdered were unsuspecting bystanders not the impaired driver. And that is after all, what this is…murder. Vehicular Manslaughter. Vehicular Homicide. You can put whatever name you want on this criminal action to help lesson the burden of the offenders, but the fact is they knowingly got behind the wheel of what turned out to be a killing machine and killed.
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December 11, 2019
Impact of Rails’ Costs on the Australian Freight Industry
As the international freight industry grows, Australia risks being left behind owing to the high cost of rail transportation.

The freight forwarding industry is growing at a phenomenal rate with billions of tons of cargo being transported around the globe via air, sea and land.

In a number of countries, rail freight forwarding is anticipated to rise from between 50 and 80% by the end of 2010.
For freight companies in many countries the main challenge is to improve their cargo management process in order to enable the predicated growth to take place effectively.

Currently, the cargo management process is expensive and labour intensive. This is because much of the work (such as verification of shipments) has to be done manually. Such manual systems hinder the adeptness of freight dispatching and sequencing. The reason for this is that businesses cannot track where their cargo is easily.

However, in Australia there is another serious issue which is impeding the progression and development of the freight industry there. The issue is the cost of rail transportation.

This is highlighted by the fact that transporting cargo via rail between Darwin and Adelaide costs the same amount as covering three times as much distance by road.

If the freight industry in Australia is to grow at the same rate as in other countries, the cost of rail transportation will have to come down. If it does not do so, then the Australian freight industry is likely to be seriously disadvantaged against its international competitors who can offer much lower rates.
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December 11, 2019
Financing a Small Business Venture
Starting a business venture is a process that involves understanding yourself as a person and identifying your skills, your goals in life, the environment that you live in and the opportunities available. Opportunities range from the traditional businesses that have thrived over the years or business ventures that are just taking root. First, you have to have the determination to start on your own and deliver services that are up to the standards set in the industry.

You will need to develop a strategic plan that accurately presents your business as a viable entity, defines your expected future results, and one that you will be comfortable working with. Its important to note that, starting a small business venture requires that you have some money. There are various ways through which one can get this cash. You could inject your own savings into the business or you could borrow from the bank or other financial enterprises. Before you borrow from the banks, be sure that the business enterprise will pay off the installments plus any interests charged on the original principle amount.

If you keep up with the payments, it will be good for you since you will have convinced the banks that you will be a reliable borrower. Your credit rating will also go up, and the chance of your business surviving will be higher. If you do not have a lot of money, yet you have a bright business idea, you could get an unsecured loan from banks and other financial institutions. If you have enough capital to start up a business, you could still borrow while using your accumulated assets, such as buildings, stocks, vehicles and machinery to back up the loan.

If small business owners feel uncomfortable borrowing from banks, they could finance from their own savings. This has an advantage since, if they make profits, they do not pay back the money to the bank, and they end up keeping the interests that could have been charged to themselves. If a business owner decides to invite other investors to fund the business through equity financing, then the profits are shared equally among the contributors. This eventually reduces the amount of money taken home. The bottom line is that, if you do not have debt to pay up, you keep all the money you make to yourself.

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December 11, 2019
Why Many Personal Loans and Credit Agreements Are Being Written Off by UK Banks and Finance Houses
The Banking Mistake That Means Your Loan Could be Unenforceable or Unfair Which Could Mean Your Loan Is Written -off. Speculation is rife that the majority of these loans were set up incorrectly, mainly down to the loan provider’s haste, lack of understanding or incorrect interpretation of the Consumer Credit Act (1974) covering loans up to £25,000 and set up before April 5 2007.

With the credit crunch taking its toll, more and more people are feeling the pinch and are gaining confidence in challenging their loan providers on the legality, unenforceability or unfairness of their loan agreements, such as Credit cards, personal loans, secured loans as well as HP and car finance agreements.

The main reasons for claiming are:

The loan was not set up correctly under the Consumer Credit Act (CCA) 1974
Incorrect APR (annualised Percentage rate) was applied
Overcharging of Interest and administration fees
Failing by the lender to administer the loan correctly
Failure to provide clients with the correct credit agreement and documentation
Failure to set out the details of the consumer credit act
Adding PPI (payment protection insurance) and charging Interest on it
If ANY of these apply, your loan may be deemed Unenforceable
Where your loan is deemed unenforceable by a court, the loan company cannot legally come after the loan or force payment, even though there is a balance outstanding in effect leaving you with either nothing to pay or possibly having your loan payments written-off.

Nowadays the courts appear to be taking a more conservative view regarding the unenforceability of loans and want clear guidance from the Law Courts on how to proceed including test cases. While the scope for assessing a loan for unenforceability is restricted, certain legal experts are now pursuing claims on an Unfair basis.

These loans are NOT subject to limitations of unenforceable loans which means claims can be made:

On Borrowing from £2500 to unlimited amounts
For loans taken before and after 05 April 2007
Here are just a few examples of where loans could be deemed to be unfair
breach of prescribed loan terms by the lender
evidence of unreasonable harassment by the lender
For Credit cards – the client took out the credit card under a 0% (6/12 month) and knew that it would increase to (eg:6%) but then, say 2/3 months later the lender further increased the APR and the client had nowhere else to turn other than to transfer to another credit card with % transfer fee thereby incurring more charges
PPI has been added to the credit card or loan thereby increasing the APR without the client being aware of the increased APR
The Client was self employed and told that the PPI cover was applicable without making the client aware of the onerous nature of claiming
Some polices talk about “closed companies” ( the definition of “closed companies” would exclude the majority of people who are directors/members of small to medium sized businesses)
Churning or refinancing – where the client goes to the existing lender and there is an abuse of trust that the client is unaware of the numerous charges in refinancing the previous loan at the coercion or encouragement of the lender
There has been Breach of Fiduciary duty in that the lender is the client’s bank
and as such knows the clients circumstances and abuses that position by mis selling PPI
There has been some misrepresentation that induced the client to take out the loan
How to make a claim
The two most popular options are:

Using a respected, regulated claims handling or legal company. Charges are typically 25% plus VAT for handling your claim, usually on a “no win no fee” basis which means you don’t pay a penny if you don’t win compensation
You can raise a claim directly to the loan provider yourself. If your claim is rejected then you can go the Financial Ombudsman Service (FOS) who will investigate for you. However it’s not without it’s complexities
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December 11, 2019