applicable statutes http://www.artwoo.com Returned search results for applicable statutes Copyright 2008 Thu, 04 Dec 2008 15:13:27 +0000 http://www.artwoo.com/rss/applicable+statutes Bronze Sculptures - Bold And Beautiful http://www.artwoo.com/article/bronze-sculptures-bold-and-beautiful http://www.artwoo.com/article/bronze-sculptures-bold-and-beautiful#comments Tue, 05 Feb 2008 17:35:01 +0000 greek sculptorsbronze sculpturesoptimum temperaturesvictorious armybronze statuesdifferent shapesextreme temperatures http://www.artwoo.com/article/bronze-sculptures-bold-and-beautiful bronze sculptures, handmade with all the charms of antiquity and uniqueness are durable art pieces. both contemporary and traditional portrayal of animals, nature, and wall- art and cast bronze decorative artifacts are in demand. The work and theme on sculptures differ from artist to artist and from country to country. Each country has its own designs, traditional arts and bronze sculptures and castings vary according to regions. Collectors sculptures have a varied collection of artifacts, collected over a period of time while the Internet stores have made browsing and ordering bronze sculptures easy and fun.

The growing popularity of bronze sculptures, handmade with all the charms of antiquity and uniqueness are durable art pieces. Different shapes both contemporary and traditional portrayal of animals, nature, and wall- art and cast bronze decorative artifacts are in demand. It is said sculpting with this metal originated in China and carried forward by while the Egyptians used to make small statutes and Greeks made life like statutes, decorative art, vessels and weapons.

As an alloy of copper and tin, it is harder than copper, durable, resistant to corrosion and melts easily. Historical facts state that due to wars and intense looting from the defeated kingdoms, huge amounts of and artifacts were taken away, melted to make arms or statues by the . The sculptures of the Greek periods are very rare as the artifacts were melted down for other purposes.

However, it has always remained the popular metal as far as decorative statutes, candle stands and sculpture are created. It may be hammered, cast and carved with equal ease while it flows uniformly into a mold when heated under . The outdoor decorative statues are usually preferred to be crafted in bronze due to durability, withstand and have anti rust features.

To judge the superiority of a bronze sculpture may be based on the process used to create the art work and the skill of the artist. The theme can vary from wildlife, historic scenes to simple depiction of everyday life. The flow, finish and look depend on the inherent taste and experience of the artist. Sculptures can range in size and bulk depending upon your requirements.

Bronze sculptures are often copied or cast as poor fakes, so better beware of impersonators and buy from reputed sources. There are many artists and importers of bronze carvings who are professionals in their field. With high reliability and good customer policies, internet stores selling bronze statutes and sculptures are a good way to add to your collection exquisite pieces from different parts of the world.

The work and theme on sculptures differ from artist to artist and from country to country. Each country has its own designs, traditional arts and bronze sculptures and castings vary according to regions. Collectors sculptures have a varied collection of artifacts, collected over a period of time while the Internet stores have made browsing and ordering bronze sculptures easy and fun. Anita Satin Choudhary writes for Ivory and Art Gallery. Browse the gallery for unique collection of artifacts ranging from http://www.ivoryandart.com Bronze Sculptureto http://www.ivoryandart.com Russian Silver and Enamel objects. ]]> A Quick Outline On Various Disability Laws http://www.artwoo.com/article/a-quick-outline-on-various-disability-laws http://www.artwoo.com/article/a-quick-outline-on-various-disability-laws#comments Wed, 24 Jan 2007 10:27:07 +0000 disability lawtype of disabilityindividual with disabilities education actequal employment opportunity commissiontransvestismamerican disability actada http://www.artwoo.com/article/a-quick-outline-on-various-disability-laws
To safeguard the rights of disabled, certain laws have been formulated and acts have been devised by the American government. Under the umbrella of law, they have been given a considerable amount of protection.

In America, the is regulated by the American with Disability Act (). The provisions of this Act prohibits discrimination against people or individuals with any kind of disabilities. It protects them to face disabilities everywhere, be it office, home, educational institute or a public utility place.

Under the , disability is defined as a physical or mental impairment, which limits substantially some or all the major important activities of an individual.

Under this act, alcoholism is included as a . But the other undesirable social behaviors are excluded from being a part of this Act. For instance, various disorders in one's sexual behavior like pedophilia, compulsive gambling, , and pyromania are excluded. But ADA does not however lists all impairments under it.

Further, ADA aims for reasonable and equal accommodation for all the disabled without any biases. The departments and agencies that can enforce the provisions under ADA are the and Department of Justice. Apart from them, the state can pass the disability statutes. The statutes that prohibit discrimination against people with disabilities include Fair Housing Act, , Rehabilitation Act and Air Carrier Access Act.

It is considered unlawful to discriminate any body on the aspect of denying the selling, renting or even accommodating a house, just because of an individual who is suffering from any kind of disability. This is all covered under the Fair Housing Act.

Under the Rehabilitation Act, there is prohibition of discrimination on the basis of the programs that are conducted by the Federal agencies of the States. The air carriers are prohibited to discriminate against people having any kind of disability, under the Air Carrier Access Act. Last but never the least, the Disabilities Education Act asks the various public schools, free public education to the children who are disabled but still eligible to get such kinds of education. The author writes about a number of different topics. For more information on disability visit http://www.about-disability.com/ and also visit the article pages: http://www.about-disability.com/disability-insurance/ and http://www.about-disability.com/disability-aids/ ]]> Should You Incorporate Your Business? http://www.artwoo.com/article/should-you-incorporate-your-business http://www.artwoo.com/article/should-you-incorporate-your-business#comments Fri, 07 Dec 2007 15:29:59 +0000 federal tax idsocial security numberpersonal assetsfinancial entityillegal actsapplicable statutescorporate purposes http://www.artwoo.com/article/should-you-incorporate-your-business financial entity from yourself. Legally a corporation is treated as a citizen. It even has its own for tax purposes, called a .

Most people incorporate to limit their personal liability so that they shield their . For instance, if your incorporated business was sued and found liable for damages, the winner could not take your personal car or home. Furthermore, incorporating creates a more professional image, and often helps with your taxes. If you plan to receive outside investment to grow your business corporation is the way to go. Incorporation protects you in many regards, but it does not protect you from any criminal charges by you or the corporation. You can't hide behind your corporation to commit and expect to be free from liability.

By investing cash or other property in your corporation you become an owner of an interest. In exchange for your personal investment you are issued stock in the corporation. A person with that ownership interest is called a stockholder or shareholder. Once you become a shareholder your liability is normally limited to the value of the cash or other property you have contributed to the corporation in exchange for stock.

As a general rule, the shareholder's assets not invested in the corporation are safe from the corporation's creditors. A shareholder may become personally liable for corporate debts if the corporation is not formed in compliance with or it operates in violation of , or if the corporation is functioning as a mere front for its shareholders rather than for . In other words, if you are simply creating a corporation to avoid liability, may become personally liable.

Under certain circumstances, corporate officers may be held personally liable for the corporation's failure to pay state and federal income tax withholdings. Additionally, a shareholder may be required to personally guarantee a loan of the corporation in order to satisfy a lender. If a shareholder does so, his liability is no longer limited to the value of his investment in the corporation.

The business affairs of your corporation are managed by the board of directors and officers. The directors are elected by the shareholders. For this reason, while shareholders have the ultimate control of a corporation because of their stock ownership, the every day management lies with the board of directors through its officers. In small corporations the shareholders, directors and officers are often the same persons. George Meszaros with Webene http://www.webene.com ]]> Law Without Legalese: Tenants' Right To A Rent Reduction http://www.artwoo.com/article/law-without-legalese-tenants-right-to-a-rent-reduction http://www.artwoo.com/article/law-without-legalese-tenants-right-to-a-rent-reduction#comments Fri, 04 May 2007 06:24:59 +0000 landlordimplied warranty of habitabilitynecessarily mean thatbreachlegal advicepremisestheoretically http://www.artwoo.com/article/law-without-legalese-tenants-right-to-a-rent-reduction legal advice.

A tenant may be entitled to reduce his rent or even withhold it altogether under limited circumstances:

(1) The fails to meet his duty to repair the

Not all duties of repair fall on the landlord; some of them may fall on the tenant depending on local law and the terms of the lease. Nevertheless, to the extent that the landlord does have a duty to repair, the tenant may NOT repair the condition himself and deduct it from his rent unless his jurisdiction has enacted a "repair and deduct statute" (many of them have, however, and the number is increasing). Even under a repair and deduct statute, a tenant may not repair at a cost greater than one month's rent, refuse to pay the rent, and then bill the landlord for the balance. The tenant is also not allowed reduce the rent without making repairs on the theory that the unrepaired condition reduces the value of the property.

Note that just because the tenant cannot repair and deduct does not he can't sue the landlord - repair and deduct statutes were designed to make it easier for the tenant to obtain relief without having to go to court.

(2) The landlord es the ""

The implied warranty of habitability is a legal standard that requires a landlord to keep the premises in livable condition (in compliance with local building codes). It is "implied" because the law will hold the landlord to this obligation even if he makes no such promise in the lease. In many jurisdictions the tenant is not entitled to "repair and deduct" but must sue the landlord. Because the issue is habitability, the breach must be fairly serious - in jurisdictions without repair and deduct statutes, the landlord's duty to meet building code standards falling short of conditions that make the premises unlivable is the government's business, not the tenant's, and the tenant cannot sue on such violations but can only report the landlord's violation to the authorities in hope that the condition will eventually be repaired.

Neverthless, the tenant will often repair and deduct anyway as a matter of strategy, in order to force the landlord to go to the trouble of suing. The tenant will then defend the lawsuit by claiming that the landlord has breached the implied warranty of habitability, and the court will require the tenant to pay rent to the court, which rent will be returned to the tenant in whole or in part if he wins the case. "Real Estate Law in Plain English" is located at http://realpropertylaw.blogspot.com. See also http://realpropertylaw.blogspot.com/2007/04/termination-of-lease-deadbeat-l= andlords.html. ]]> What Do Real Estate Brokers Do? http://www.artwoo.com/article/what-do-real-estate-brokers-do http://www.artwoo.com/article/what-do-real-estate-brokers-do#comments Mon, 21 May 2007 12:04:58 +0000 real estate brokerreal estate salesreal estate brokersreal estate sales contractsdraft contractslegal obligationsconsummation http://www.artwoo.com/article/what-do-real-estate-brokers-do real estate broker performs a variety of functions to facilitate the of a transaction between a buyer and a seller. A real estate broker usually works for the seller, not the buyer. Perhaps the most important among her functions is to locate a potential buyer for the seller and solicit that buyer to make an offer to buy the property. A real estate broker does not "make an offer" to sell the property on behalf of the seller and is not entitled to enter into with a buyer as the seller's agent. earn commissions by introducing potential buyers to sellers of real estate. If the buyer makes a purchase offer, the real estate broker earns a commission whether or not the seller accepts the offer.

There are two contracts typically used in real estate sales transactions =96 the contract between the seller and the real estate broker setting forth the terms on which the broker will earn a commission (the "listing agreement"), and the contract between the seller and the buyer for the sale of the real estate.

Real estate brokers are subject to a number of :

(1) They may not discriminate against protected classes of people (minorities, for example) in providing services or in advertising, they may not attempt to direct potential buyers to particular areas based on their race, and they may not attempt to trigger "panic sales" by spreading rumors in a particular neighborhood that people of the "wrong" color are moving in. Federal and state civil rights statutes govern these obligations.

(2) They may not practice law (unless they are licensed attorneys). Statutes prohibiting the unauthorized practice of law govern here. Generally, that means they may not , mortgages, deeds, etc. In many states, however, they may fill out standard legal forms that are related to their services. Traditionally, the presence of a licensed attorney was required at every real estate closing, but now some states are allowing closings to be performed without the presence of a lawyer.

(3) They may not engage in price fixing or other anti-competitive behavior that violates antitrust law.

DISCLAIMER: The following is intended for reference purposes only and not as legal advice. "Real Estate Law in Plain English" is located at http://realpropertylaw.blogspot.com. See also http://realpropertylaw.blogspot.com/2007/05/condominium-cooperatives.html. ]]> Whistleblower - Overview http://www.artwoo.com/article/whistleblower-overview http://www.artwoo.com/article/whistleblower-overview#comments Wed, 13 Jun 2007 13:29:56 +0000 whistleblowingwhistleblowerswhistleblowermost common typeblow whistletreasonquality control http://www.artwoo.com/article/whistleblower-overview whistleblowing. The large majority of case are based on relatively minor control. The of s" rel="tag">whistleblowers are internal whistleblowers, which bring back control to an employee or a different superior within their company or arranges. On the other hand, the external whistleblowers bring back control to the people or to the external entities. In these cases, according to severity and nature false-to make, the whistleblowers can bring back control to lawyers, at the agencies of media, application of law or monitoring, or to other people of the country, state, or federal agencies. If the revelation is specifically prohibited by law or is specifically required by the executive order to be maintained secret in the interest of national defense that the report by a whistleblower could be regarded as being by ones . However, in the United States, there is no case in which the whistleblower was tested for "treason" and it is not treacherous to on illegal control by civils servant of government.

Moreover, under the majority of the federal statutes of whistleblower of the United States, in order to be considered a whistleblower that the employee must reasonably believe that its employer made a violation of a certain law, regulates or payment; to testify or begin a legal step on the legally protected matter; or refuse to violate the law. There are those which look at whistleblowing narrowly and try to limit the impact of whistleblowing while alleging that alleged whistleblowing role-prescribed, for example whistleblowing makes by the personnel of or the listeners internal, does not constitute whistleblowing in the traditional direction, because the goal of employment is to bring back such things.

However, the courses of the United States have uniformily supported that people who hold of the positions of listener or quality control are protected from revenge to bring back violations of law or payments. There is a dichotomy false between whistleblowing "intern" and "external", and under the terms of the federal law of the United States, much of course failed to distinguish both. For example, in the field of ambient federal whistleblowing the courses federal supported that whistleblowing "intern" protective is wise as question of law and order because statutes of whistleblower are provided to encourage with free casting of information to prevent violations, "internal" report supports to solve problems at the most preliminary possible stage, and the "internal" report of discouragement can have disastrous consequences. You can find more info in the http://www.glueguns.net portal, which is administrated by the author of this article. ]]> Why Do Couples Get Divorce? http://www.artwoo.com/article/why-do-couples-get-divorce http://www.artwoo.com/article/why-do-couples-get-divorce#comments Fri, 10 Aug 2007 03:20:01 +0000 couplesdivorcerelationshipdifficult transitionmarriageliving togetherfailure http://www.artwoo.com/article/why-do-couples-get-divorce couples have find their of worthless in the many years of . For so many reasons couples want to make their void and null. Although have been frequently overlooked because of its destructive effect, yet it is not the end of a family relations but a transition of the new form of family.

Crisis in living together with your spouse can sometimes arise in the latter part and can affect the relationship deeply. Expect a in a relationship when there are continuous indifferences and continuous arguments. Disappointments can lead to sense of failure and this would let you think on why should you go on a relationship that is melting down anymore, although the truth is you have tried hard to make it work.

Breaking up with a spouse is the hardest decision that anyone can make. It can affect your children as well as yourself. There is a difficulty for the children to see it when their parents go on separate ways. That is why mostly couples try to resolve differences for the sake of the children, not a bad idea after all. Bear in mind that children are harmed with an atmosphere full of tension and arguments.

Family members may find it usually difficult and painful. The adult's distress may interfere with their ability to take care of their children and to respond to their children's needs. Going through a , parents also try to help their children and themselves cope up and move on.

Reasons mainly on why there is a increase in divorce are alcoholism, physical abuse, infidelity, working women, financial issues, and the likes.

In other countries and religions such as Roman catholic and Hindu, they regard marriage as sacred and cannot be voided, that is why it is hard to get divorce. It's the couples decision to save or forget about their marriage as long as they know what is good for them or the best for all.

Divorce should be implemented if everything you have tried isn't working anymore and situation has not improved. You should also juggle and make your schedules available for our kids. Keep in touch with your children, plan for a vacation, keep your word as what you have promised them, enjoy and celebrate with your children, remember to give them gifts and allow them to love both parent.

There are two types of divorce-- absolute and limited. An absolute divorce, (also called a "divorce a vinculo matrimoni" is a judicial termination of a marriage based on marital misconduct or other statutory cause arising after the marriage ceremony. As a result of an absolute divorce both parties' status becomes single again.

Several jurisdictions' statutes authorize limited divorces, or "divorce a mensa et thoro." The consequences of limited divorces vary from state to state. Typically, a limited divorce is commonly referred to as a separation decree; the right to cohabitation is terminated but the marriage is undissolved and the status of the parties is not altered.

Many states have enacted what is called no-fault divorce statutes. This is a response to outdated common law divorce which required proof in a court of law by the divorcing party that the divorcee had done one of several enumerated things as sufficient grounds for the divorce. This entailed proving that the spouse had committed adultery, or some other unsavory act. No-fault divorce eliminates this potentially embarrassing and undesirable requirement by providing for the dissolution of a marriage on a finding that the relationship is no longer viable. It is hard to tell whether no-fault divorce statutes are the cause or an effect of the rising national divorce rate in America. Teri, is an expert at online dating, and has written hundreds of very useful articles on the subject which are all freely available at http://www.pandadatingsites.com/ . Just for example, would you like to know how to get http://pandadatingsites.com/info/31/enjoy-absolutely-free-personals or why http://pandadatingsites.com/info/24/the-lure-of-chat-rooms are such an effective way of meeting people? Then go there now and find out! ]]> Expunge Criminal Records -- An Expert Guide http://www.artwoo.com/article/expunge-criminal-records-an-expert-guide http://www.artwoo.com/article/expunge-criminal-records-an-expert-guide#comments Tue, 16 May 2006 12:32:04 +0000 criminal recordscriminal justice agencyexpungementexpunge recordsarrest recordsjustice actioncrime investigations http://www.artwoo.com/article/expunge-criminal-records-an-expert-guide Expungement of is the process of clearing an individual's records of a crime committed. There are several other terms used to describe the expungement of criminal records. Often, it is used in correlation with sealing, destruction, or return to the subject of individual criminal records kept by government agencies.

Expungement of Criminal Records -- An Overview

To expunge criminal records is to involve a trade-off between competing interests. An individual would like to pursue employment, housing, or other major life activities without the stigma of an arrest record or a record of conviction. On the other hand, society has an interest in maintaining criminal records histories for purposes of future and in order to make hiring, rental, and other decisions about individuals. Statutes and cases reflect the tension between these interests.

There are ways for you to expunge your criminal records. In reality, by statute and by inherent judicial authority, criminal records may be expunged.

What is Expungement of Criminal Records?

Expungement of criminal records can mean to seal or destroy these records, or return it to the subjects of the records. The exact remedy in a given situation depends on statutory provisions or the court's interpretation of its inherent power.

How Criminal Records are Expunged

Although states generally differ in how they , by most statutes, held by law enforcement must be returned to an arrested individual if proceedings are determined in the individual's favor before specified stages of the criminal justice process. This means that the individual has the right to have his criminal records of arrest expunged if no further evidence is found incriminating his involvement in the crime in question and if no other criminal is pursued.

Also by statute, criminal records held by any will be expunged or sealed by court order -- but not returned or destroyed. This action is often done if an individual was convicted in a kind of case covered by the specific state statute or had proceedings resolved in specified ways that fall short of conviction. Therefore, any criminal records of court filings created in a case where no conviction was made or in a case where the crime in question falls under the category specified under the statute may be expunged or sealed by the presiding court.

Finally, the courts have held that they have the power to require the sealing or expungement of judicial branch criminal records. Also, to a more limited degree, they may exercise this power of expungement on criminal records held by other branches of state government. Find Anyone, Anywhere, Anytime... Dig Up Dirt on Anybody... Even Uncover Secrets and Closely-Guarded Information... Plus, Do It All Legally and Without Anyone Ever Finding Out! Visit http://www.onlinedetectiveguru.com for more information. You may use this article only if you leave that hyperlink above in place. ]]> Getting Fair Compensation For A Wrongful Death Claim http://www.artwoo.com/article/getting-fair-compensation-for-a-wrongful-death-claim http://www.artwoo.com/article/getting-fair-compensation-for-a-wrongful-death-claim#comments Fri, 31 Oct 2008 17:01:23 +0000 wrongful death claimincluding medical malpracticewedding vowelswrongful death attorneyswrongful death lawmany different waystime earnings http://www.artwoo.com/article/getting-fair-compensation-for-a-wrongful-death-claim Wrongful death attorneys are helpful in defending and in asserting your rights in wrongful death matters. In a the family of the deceased will claim that the deceased died as a result of negligence or other liability on the part of the defendant. The surviving beneficiaries and dependents are entitled to monetary damages because of the defendant's actions and conducts.

describes the rights and duties of the respective parties. The laws pertaining to wrongful death seek to provide financial compensation to the heirs of a deceased, when the death was caused due to negligence, omission, wrongful acts or default of another. Meaning the laws seek to compensate the heirs when someone failure to act reasonably caused the death of the deceased or was a substantial factor in bringing about the death of the deceased.

As in most wrongful civil conduct there are no federal statutes for wrongful death, so each state has made its own set of civil wrongful death statutes and the laws vary from state to state a little bit. Compensation depends on several factors, such as the age of the deceased, the income the deceased earned from all sources including activities other than work. The greater the income the greater the claim. The younger the deceased likewise the greater the expected life . There are no exceptions for children, but the compensation is often lower because they are not expected to earn any income. There are also other factors such the involvement of the deceased in everyday activities with the survivors. A recently separated spouse would likely be entitled to less than a spouse that had just renewed her .

Wrongful death can be caused in which results in the deceased's death, neglect or abuse on part of the staff at a nursing home, as a result of a car accident, a bus accident, a train accident, a plane accident, a boating accident, and numerous other accidents. The issue is always whether the defendant did something wrong.

The spouses and the children of the deceased may file wrongful death lawsuits, and if there were not children or spouse, then other immediate family members may file suit. They heirs are entitled to monetary compensation to make them whole for the damage they suffered.

The compensation can includes loss of support, society, companionship, and also medical and funeral expenses and services.

To initiate a lawsuit there are time limitations which vary depending on the specific circumstances leading to the death and the specific state where the death occurred.

A grieving family is not likely to think about making a wrongful death claim, but unfortunately the law works against those that wait. A wrongful death claim is a very serious matter and the heirs should consult with an attorney as early as possible. In some cases consulting with an attorney after six months have elapsed may be too long. It is advisable that potential claimants consult with an attorney as soon as possible.Speak with a San Diego Personal injury attorney today San Diego Personal Injury Attorney]]> 0% Apr: How Should You Choose Such Type Of Credit Card? http://www.artwoo.com/article/0-apr-how-should-you-choose-such-type-of-credit-card http://www.artwoo.com/article/0-apr-how-should-you-choose-such-type-of-credit-card#comments Fri, 05 Jan 2007 06:27:03 +0000 0 aprcredit card offercredit card typesthings to ponderknowledgeabletime spanbasically http://www.artwoo.com/article/0-apr-how-should-you-choose-such-type-of-credit-card credit card types and offers, you may already be enough that there is no point in combating the 0% APR interest in your credit card. You as like the rest of the credit cardholders will typically be overjoyed to be rewarded with a 0% interest rate. Most of the times though, such is only applicable during the introductory phase. As you get into the core of handling your credit card, you start facing interest charges for your committed transactions.

Here are valuable on when it comes to dealing with the 0% APR on credit cards:

Do not be taken merely by the glitters of the words in print telling you about the 0% APR on the credit card that you wish to avail of. As a matter of truth, the 0% APR covers not only a specific datum but a lot other things. , the 0% APR is applicable to the overall total of the interest rate on a credit card. It goes to show that you will not be charged with an interest on the first attempt of your purchase taken by credit. There is a span of time to cover the offer and as soon as it reaches the end of the duration, you will start to pay the interest rates on your transactions. Furthermore, there are those late fees that you will have to pay in the event that you exceed the lapse of the grace period.

The 0% APR is also applicable to the balance transfer deal. With the 0% APR available for the balance transfer method, you are given the chance of escaping charges as you move your existing credit accounts from other sources into the credit card that contains the 0% APR offer. In this light, you must consider the when the offer can be availed of. There are 0% APR plans that can only be availed for a very brief period of time. In this case, you may already be charged at about 4% interest or so.

Dig deep into the available rewards that come handy with the 0% APR. There are card issuers which grant rewards along with the availability of the 0% APR. You may be interested to spot rewards such as student cards, air miles, or business credit cards. The rewards will cover your earning of up to six points for every single dollar that gets charged to the card. As these amounts get piled up, there are cases when rebates in the form of cash or discount rates become possible.

It is relevant that you compare the credit card offers before you plunge into availing any of those in your list of choices. It will provide you with the pleasurable benefits if you take time to shop for other options before signing up for the 0% APR credit cards that you pose great enthusiasm on. You can check the great deals online to be fed with the pertinent information. But if you do not take particular significance in any of those and you will still go for the 0% APR credit card, then just be sure that you are sentient of the terms and conditions included therein. You never know what other tricks are hidden in the wordings of the contract. After all, the 0% APR can be very cunning. Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information checkout http://www.firstglobalcreditcard.com and http://edblogonline.info. ]]> Rules And Regulations For Payday Loans http://www.artwoo.com/article/rules-and-regulations-for-payday-loans http://www.artwoo.com/article/rules-and-regulations-for-payday-loans#comments Sat, 22 Apr 2006 15:50:08 +0000 payday loan companypayday loanspaydayloanemailpaydayloansextra chargesstate laws http://www.artwoo.com/article/rules-and-regulations-for-payday-loans paydayloan) is basically meant to help you out in the case of an emergency. In the recent years with the easy availability of these loans and the convenience that they offer, their popularity has soared. At the same time, though people recognize the advantages of these (also written as ), they do not have any knowledge about the laws that regulate the functioning of this industry. When you plan to apply for a payday loan ideally you should know your rights so that you are not duped by the lender.

Laws, Rules and Regulations

A has to abide by federal as well as . The state laws help in determining the amount that you can borrow and it also dictates the repayment period. In certain states their might also be a number of other laws that are applicable to payday loans. The lender should be able to provide information on these and if he refuses to do so, then you need to be extra cautious in your dealings. A lot of information about the laws, rules and regulations regarding payday loans is now available online, so take out a little time to carry out some research on your own.

The Right to Information

As a consumer, as is the case while buying any other product, you have the right to information. This implies that the lender has to inform you about all the costs involved in getting a payday loan. This implies that you need to be told the exact interest rate, the finance fees and the transaction costs if any, and also the that you would need to pay in case you need an extension. Also, before you take a payday advance, make sure that you know the exact payment plan. In most cases payday loan lenders offer this information on their website. In case this information is not available on the website, you can either send an to them or call them up to find out the requisite details. This information should also be mentioned in the loan agreement.

Canceling a Payday Loan

Now, there are times when you apply for a payday loan but then later on realize that you do not need it. In certain states, there is a provision to cancel the payday loan within a day without any cost. But then again, before taking such a decision, find out if the rule is applicable in your state or not. In case it is, then you would need to give a written application to the lender in order to cancel the loan. Also, if the advance has already been deposited into your account, then you would have to pay that back immediately as per the instructions of the lender that have to be in compliance with the applicable laws. Also, when you cancel a payday loan, make sure that you take a receipt from the lender that the amount has been paid back. At the same time, it ideally makes more sense to consider your decision to take a loan and determine if you really need it before applying for a loan. The author is one of the top experts in the no fax payday loans industry today. He has spent last several years studying the online payday advance business. He has developed the single best online faxless payday loans service available. This service can be accessed at http://www.200cash.com, home of 200CASH.COM, INC. ]]> Business and The Legal Process http://www.artwoo.com/article/business-the-legal-process http://www.artwoo.com/article/business-the-legal-process#comments Sat, 14 Jul 2007 03:20:01 +0000 necessary paperworkinitial paperworkvoir diresummary judgementplaintiffjurisdictionlawyers http://www.artwoo.com/article/business-the-legal-process
At some point in time it is likely that one will end up in a legal dispute of some sort thus I feel it is prudent to devote some time to this.

A standard legal process has nine steps. :

=96 If a court is to hear a case it must have jurisdiction to hear the matter and the power to bind the parties.

Pleadings =96 they are the for the trial to begin. The





files the , referred to as a complaint or petition. In this paperwork the plaintiff will assert that the defendant has done a wrong and requests a remedy.

Discovery =96 at this point in the process will gather together necessary information and witnesses before a trial. It is important to note that each side is allowed to see the evidence held by the other side. There should be no surprises.

Pre-trial conference =96 these are often held for federal civil cases and at this meeting lawyers and the judge try to organise and narrow the issues of the case to the most important ones to make the trial more efficient. At this point out-of-court settlements will often occur.

Trial =96 the trial is proceedings before the court. If a jury is selected the selection process is often referred to as . The jury decides the factual disputes and the judge interprets the law and instructs the jury. Should it be that the plaintiff's case carries no merit a can be made by the judge, effectively ending the case without further trial.

Jury instruction by the Judge and the Verdict =96 The judge instructs the jury about the issues of law involved in its decision. The jury will then determine the facts and penalty within its authority.

Post-trial motions. This includes asking the court for a retrial and indicating why a new trial is warranted, the main reasons normally being errors of law or procedure, jury misconduct or unusual damage awards.

Appeal =96 Generally, each party of a lawsuit is entitled to one appeal at an appellate court. The paperwork supporting the basis for an appeal is referred to as a brief. It is filled with lengthy arguments and with citations of prior court decisions and applicable statutes to make the case for a new trial.

Secure or Enforce the judgement =96 Basically speaking, this can be as simple as send the person to prison or collect the money.

Parties can of course, settle a business dispute without the courts and bring in a neutral peacemaker who has two main methods at his/her disposal.

Mediation =96 the mediator has a non binding authority to direct the parties to a fair settlement. The parties can, however, back out if they do not like the decision.

Arbitration =96 an arbitrator has the power to bind the parties of a dispute. The decision is final and there are no appeals and the arbitrators are registered trained professionals. Naz Daud is the Founder of the CityLocal Internet Business Franchise Opportunity. http://www.citylocal.co.uk http://www.citylocal.co.uk/frontend/franchiseinfo.php?cityid=79 http://www.citylocal.ie http://www.ecademy.com/account.php?id=120141 ]]> Home Mortgage Refinance: Choosing The Best Deal http://www.artwoo.com/article/home-mortgage-refinance-choosing-the-best-deal http://www.artwoo.com/article/home-mortgage-refinance-choosing-the-best-deal#comments Fri, 31 Aug 2007 21:34:59 +0000 home mortgage refinanceunscrupulous lenderspmiapplicable feesprivate mortgage insuranceappraisal feeattorney fee http://www.artwoo.com/article/home-mortgage-refinance-choosing-the-best-deal home mortgage refinance lenders doing the rounds. Almost everyone is offering you the skies, but this might be confusing for you. How do you choose the most genuine home mortgage refinance option? Here's a quick guide on choosing the best home mortgage refinance deal!

Questions to be asked

As a borrower, there are chances you maybe taken advantage of by . To avoid this you need to ask a few basic questions first and even do a comparison check:

=95 What is the type of mortgage being offered? Find out if the interest rate is fixed, adjustable, FHA or conventional.

=95 What is the minimum deposit or down payment needed on the home mortgage refinance? Knowing this will help you plan finances better.

=95 What is the duration or length of the loan? This will affect the monthly payment on the mortgage.

=95 What is the Annual Percentage Rate? This is quite a competitive differentiator these days and can help you select the best lending home mortgage refinance company.

=95 What will be the monthly payment? This will be important in terms of planning your budget and finances etc.

=95 What are the various ? There are several kinds of fees being charged by lenders these days and each lender has their own name for it. Some examples of home mortgage refinance fees include:

o application fee also known as loan processing fee o Lender fee or funding fee o o o Document preparation and recording fee o Credit report fee o Origination or underwriting fee etc.

=95 What will be the closing fees? There maybe chances that you wish to close or settle your home mortgage refinance. In such cases you need to know applicable fees at the time, so it doesn't shock you then. Some of the closure fees include:

o State and local taxes o Flood determination o Surveys and home inspection fees o Prepaid amounts towards interest, hazard insurance, taxes, etc. o Prepaid or

=95 Is there any prepayment penalty involved?

=95 Is the agreement for lock-in provided in writing by the home mortgage refinance lender?

Interest rates applicable

It also helps to get a free, no obligation quote from your home mortgage refinance lender. Also check with them if the rate quoted is the lowest for that day or the whole week. Check if the interest rate is fixed or adjustable in nature. In case it is the adjustable variety, find out from the lender how the payments will differ. Also be sure to check on the points. These are fees paid to the lender and are strongly linked to the current interest rate. The more points paid, lower the interest.

Negotiate

Once you have zeroed in on a specific home mortgage refinance lender, you need to try and negotiate the terms of the contract. Ask your home mortgage refinance lender to write down all associated costs and fees and then start negotiating on some of the fees. That's just the beginning. To make an informed decision you need to find out ALL the details. You can do that at http://www.homemortgageloan-refinance.com Don't delay as this could make a REAL difference in your life. Act today !!! ]]> What Are Employee Retention Agreements? http://www.artwoo.com/article/what-are-employee-retention-agreements http://www.artwoo.com/article/what-are-employee-retention-agreements#comments Sun, 07 Sep 2008 16:22:27 +0000 severance paybonus structuretermination of employeelegal contractemployee retentiondraftersemployment security http://www.artwoo.com/article/what-are-employee-retention-agreements Employee Retention Agreement is a entered into by an employer and a key employee whose services the company desires to retain. When employees know that their company might be acquired, they understand that their may be in danger. In these situations, companies who want to ensure these employees' continuing loyalty and commitment sometimes feel that it is in the best interests of the company and its stockholders to provide the employee with an incentive to continue his or her employment and to motivate the employee to maximize the value of the company upon a possible change of control.

Employee Retention Agreements generally provide a and severance model for key employees, and may include significant , acceleration of stock options, or other benefits the company deems necessary to retain the employee. of these agreements should also pay careful attention to include, if applicable, the following provisions:

1. TERM OF AGREEMENT. The agreement should likely terminate upon the earlier of: (a) the 's employment for any reason prior to a change of control, or (b) the date that all obligations of the parties hereto with respect to this Agreement have been satisfied. This provision should be drafted accordingly.

2. AT-WILL EMPLOYMENT. If applicable, the company and the employee should both acknowledge that the Employee's employment is and shall continue to be at-will, as defined under applicable law. If the Employee's employment terminates for any reason prior to a change of control, the Employee shall not be entitled to the benefits provided by this Agreement, or any other benefit unless otherwise available in accordance with the Company's established employee plans and practices or pursuant to other agreements with the Company.

3. DEFINITION OF TERMS. It is important that the following terms referred to in this Agreement be defined:

(a) Change of Control. "Change of Control" may be drafted to mean a sale of all or substantially all of the Company's assets, or a merger, consolidation or other capital reorganization of the Company with or into another corporation. Some limitations on that definition may also be applicable.

(b) Cause. "Cause" for Employee's termination should be defined to mean the good faith judgment of the Company's Board of Directors, that the undersigned has engaged in or committed any of the following: (i) gross negligence or willful misconduct in the performance of his duties to the Company, (ii) repeated unexplained or unjustified absence from the Company, (iii) a material and willful violation of federal or state law, (iv) commission of any act of fraud with respect to the Company, (v) breach of any confidentiality obligation to the Company, whether determined by agreement or by applicable law; or (vi) conviction of a felony or a crime involving moral turpitude causing material harm to the standing and reputation of the Company.

(c) Constructive Termination. "Constructive Termination" should be defined as occurring if here is (1) (a) a material adverse change in Employee's position causing such position to be of materially reduced responsibility, (b) any reduction of Employee's base compensation, or (c) Employee's refusal to relocate to a facility or location more than 50 miles from the Company's current location and (2) within the 30-day period immediately following any of the foregoing events, Employee elects to terminate his or her employment voluntarily.

4. SEPARATION BENEFITS UPON INVOLUNTARY TERMINATION FOLLOWING CHANGE OF CONTROL. The employee may want to include a provision that states that within one year of the effective date of a change of control, the employee's employment with the Company is terminated (an "Involuntary Termination") by the Company or the successor corporation without cause or, by the Employee as the result of a constructive termination by the Company or the successor corporation, then, the vesting of Employee's then unvested shares of the Company's common stock shall automatically be accelerated so as to become vested as of the effective date of the involuntary termination or constructive termination.

These are a few of the most important provisions that must be included in an effective Employee Retention Agreement. Provisions covering the enforceability of the agreement on successors of the employer and employee, waiver, choice of law, and severability should also be included.Mark Warner is an Employee Retention Agreements Analyst for RealDealDocs.com. RealDealDocs gives you insider access to millions of legal documents drafted by the top law firms in the US. Search over 10 million Documents, Clauses, and Legal Agreements for Free at http://www.RealDealDocs.com]]> How to Protect Yourself From Identity Theft http://www.artwoo.com/article/how-to-protect-yourself-from-identity-theft http://www.artwoo.com/article/how-to-protect-yourself-from-identity-theft#comments Thu, 04 Sep 2008 16:01:22 +0000 social security numberaddress parentsonline bank accountsplace addressparents namesage birthemployment record http://www.artwoo.com/article/how-to-protect-yourself-from-identity-theft
How is identity theft conducted? How is identity stolen? Well, there are websites that in exchange for alleged services require one to provide his or her personal information, ranging from ones name, birth date, age, birth place, address, parents' names, spouse's name (if applicable), siblings' names (if applicable), offsprings' names (if applicable), , , credit record, credit card number, etc. There are websites, though not all, who merely act as front for these illegal activities. Once all these information are obtained, those behind the website will utilize this information to apply for loans, credit cards, or even use ones credit cards for purchases in the internet. The offended will only realize the damage when his credit card statement comes in, when certain agents collect or demand payment from him.

Identity theft is also conducted by accessing other people's . How can these be done when there are passwords for these? Well, there are soft wares through which one can obtain the passwords of other individuals. It is through these soft wares and schemes by which identity theft is also conducted.

So how can identity theft be battled? It can be combated through soft wares that counter the soft wares that are utilized to steal identities. Examples of these soft wares are those soft wares that help detect whether or not a particular website has spy ware, meaning whether or not such website is merely a front for obtaining valued personal information. An example also is a software that blocks off or sort of firewalls hackers from accessing one's personal computer and ones files. Another example is a soft ware, which safeguards one password in ones computer. This soft ware makes sure that ones passwords are protected and that ones passwords cannot be hacked or used by other users. Through the above measures, some of the schemes by which identity theft is conducted can be avoided.

These soft wares are not free however for an amount one can be guaranteed protection of identity. This is truly value for ones money and there can be no other more valuable investment than an investment that guarantees protection from theft of ones intangible and virtual properties.If you enjoy reading this, you may enjoy to read more about Lifelock Reviews or read Lifelock vs Trusted ID and read more on Is Lifelock scam? here]]> Considering A Divorce? http://www.artwoo.com/article/considering-a-divorce http://www.artwoo.com/article/considering-a-divorce#comments Wed, 07 Nov 2007 14:20:00 +0000 b7contactgetting a divorcedissolution of marriageending a marriagemarriage certificaterespondent http://www.artwoo.com/article/considering-a-divorce getting a divorce, Cam I get a divorce, How long do we have to be apart before we can get a divorce all these questions are regular questions asked my a husband or wife who are considering a divorce.

Divorce has the definition of the the break down the ending of the marriage before either partner dies or the legal act of . A divorce can be annulled where the marriage is made void via the effects of marriage including child custody, distribution of property and spousal support.

I will now explain the process of applying for a divorce and other information you may need to know: -

Either party can make an application for a divorce, the person who makes the application will be known as the `Petitioner' and the other party named as the `', if there is any other people involved these will be known as `Co-respondents'. You will need to prove the marriage has broken down by either of these points: -

= Adultery by the respondent =B7 Unreasonable behaviour =B7 Desertion by the respondent for 2 years or more =B7 Separation for 5 years

The other information you will need to show with your petition for a divorce are: -

=B7 Your =B7 Copies of the petition for service on the respondent =B7 Reconciliation statement (if a solicitor is acting for petitioner) =B7 Public funding certificate (if applicable) =B7 Arrangements of statements for any children (where they live and who with, schools they attend, information etc) =B7 Court fees

The respondent who has been served the divorce by the petitioner are served upon them: -

=B7 Statement of arrangements =B7 Petition =B7 Notice of proceedings =B7 Notice of public funding (if applicable) =B7 Acknowledgement of Service reveals if the respondent is to defend the petition or also has the intention of a divorce, if there has been an agreement for where the children live, access rights etc if this is applicable, if the respondent agrees to pay the court fees and any other processing fees.

If after this processes the respondent agrees to all of the above an Affidavit statement is sent by the petitioner to the Court, this swears that the Petition is accurate. This Affidavit is a written statement, which contains evidence given on oath. Its usually written in numbered paragraphs, you can attach other documents to this Affidavit.

From this point the District Judge considers the Petition and to a decree the divorce, if the Judge agrees a Decree Nisi date is set. Six weeks from this date the petitioner can apply for a Decree Absolute the respondent can apply three months from the six weeks has expired by a court application.

You might be wondering how long this process may take, every divorce is different and so the time it takes to divorce varies from court to court, case to case. The average time is 5 to 8 months but it depends on the type of divorce and if it involves minor children. The help of an experienced family lawyer can help reduce stress when dealing with custody and access battles through the legal process. Jene is the Webmaster of http://www.divorceconsult.co.uk Divorce Consult who are fully trained Divorce Lawyers here to help you through the process of your Divorce. Please feel free to republish this article providing this resource box remains intact with a working hyperlink to our site. ]]> Understanding Contracts: Warranties http://www.artwoo.com/article/understanding-contracts-warranties http://www.artwoo.com/article/understanding-contracts-warranties#comments Mon, 16 Jul 2007 02:15:02 +0000 money backindustry standardscontactremedysubstantiallycompliancepromisor http://www.artwoo.com/article/understanding-contracts-warranties promisor will the failure: "Complete satisfaction guaranteed, or us within 30 days of purchase and we'll give you your !" is an example. Unfortunately, however, just getting your money back might not be enough to compensate you =96 if you an iron, for example, and it malfunctions and ruins an expensive garment, you might need additional compensation to make you whole. If you buy vitamins and they make you sick, a full refund won't pay your doctor bills. This kind of compensation is available under the law, but if your warranty does not specifically address issues like these it could get complex (and that means higher legal bills).

If you are the one offering a warranty, then it would be smart to include a disclaimer (such my disclaimer above) setting limits on what you are willing to remedy if the product or service fails to perform as warranted. These kinds of limits are not necessarily enforceable, however, so contact an attorney before drafting any disclaimers.

Buyers need to beware of ambiguous, legalistic language like "Vendor hereby warrants that the product will function in with applicable ." What does "substantially in compliance" really mean? Exactly how much is "substantial"? And what industry standards are being referred to here? Are they written down, or just "commonly understood"? Which industry standards are "applicable", and which are not? These are terms that your lawyer will love to hear, because he can fight about them for hours in court =96 he'll make money while your legal fees mount. If you don't understand a particular sentence of legalese, get it translated into English.

DISCLAIMER: THE ARTILCE IS OFFERED FOR REFERENCE PURPOSES ONLY AND IS NOT INTENDED TO CONSTITUTE LEGAL ADVICE. PLEASE CONSULT AN ATTORNEY WITH ANY QUESTIONS. "Contracts" at http://contractsguide.blogspot.com offers readers information about all types of contracts, especially how to write a contract. See also http://contractsguide.blogspot.com/2007/04/how-to-write-contract-warranties= ..html. Please bookmark "Contracts"! ]]> Practical Advice Provided By Experts For Little Money http://www.artwoo.com/article/practical-advice-provided-by-experts-for-little-money http://www.artwoo.com/article/practical-advice-provided-by-experts-for-little-money#comments Thu, 16 Aug 2007 18:30:00 +0000 life coachmyspaceoccult practiceswisdomcounselingrelationshiptarot readings http://www.artwoo.com/article/practical-advice-provided-by-experts-for-little-money life coach on television guiding a celebrity in their s, finances, diet and more. We can only imagine what kind of life we would have if we had a reliable life coach that would hold us accountable for the things we set our minds to do.

Relationship Advisors have come together to comprise a team of "affordable ." Nicholl McGuire, a writer and advisor to the twenty-something crowd, found it very difficult to get the professional advice she needed when she was younger without committing to a church or paying someone for individual .

"I wanted to start a business that would assist people seeking insight privately from home not driving to an office somewhere or having to join a church to get it," McGuire explains. "Most men and women can't afford the counseling they need and unfortunately end up in divorce court, that happened to me."

So McGuire's team of mothers, fathers, spirtual and financial experts are available to answer questions about anything. "We have the life experience, the education and the know how to help see someone through their challeneges."

When asked if anyone was psychic on the team, McGuire said yes and those people are also available to help too. However, she doesn't allow anyone to participate in or other to assist her clients. "You either have the gift or not. God doesn't need anything - statutes, stones, cards or anything else to show up, just an open heart and mind."

The cost of services varies and at times advice is given for free for a limited time, so stop by the site to see the latest promotion.

If you or someone you know are in need of a coach, visit www..com/howtobooks You must be 18 years of age to receive advice. Relationship Advisor, a team of affordable wisdom to help with your life situation. http://www.myspace.com/howtobooks ]]> Is Online Poker Legal? http://www.artwoo.com/article/is-online-poker-legal http://www.artwoo.com/article/is-online-poker-legal#comments Sat, 03 Jun 2006 00:32:06 +0000 online pokeronline wageringsports bettingbetswire communicationwhittier law schooljustice department official http://www.artwoo.com/article/is-online-poker-legal justice department official, nor a Supreme Court Justice. I am not giving legal advice nor will I draw any conclusions. What I have compiled is a collection of the best information I can find on the subject of "Is legal?".

Several recent events in congress has brought attention to the legal standing of in general. The first thing to understand is the skill game of poker is not the same as nor even "random chance" casino games like craps and roulette. It may be treated the same eventually, or it may not. Legal precedent for a lot of this simply does not exist. As of this article, no person has been charged, brought to trial, convicted, or sentenced for playing online poker. But this does not guarantee that if will not happen in the future.

In my research I found that Professor I. Nelson Rose, Professor of Law, Costa Mesa, Ca, is one of the world's leading authorities on gambling law. He states that "no United States federal statute or regulation explicitly prohibits Internet gambling, either domestically or abroad." Still, the US government has taken the position that certain things are illegal, and more importantly, certain things are worthy of prosecution. The Wire Act is the statute most often cited as making on-line gambling a federal offense. He notes that the operative subsection reads: "Whoever being engaged in the business of betting or wagering knowingly uses a facility for the transmission in interstate or foreign commerce of or wagers or information assisting in the placing of bets or wagers on any sporting event or contest, or for the transmission of a wire communication which entitles the recipient to receive money or credit as a result of bets or wagers, or for information assisting in the placing of bets or wagers, shall be fined under this title or imprisoned not more than two years, or both."

Rose goes on to say: "The first element of the Wire Act, says that the statute applies only to an individual involved in the 'business of betting or wagering' (not to a common player)."

The question of whether Internet sportsbetting is covered by the Wire Act seems to have been answered by the US Supreme Court's refusal to review the conviction of Jay Cohen. Whether online casinos and online poker cardrooms are covered under the aimed-at-sportsbetting Wire Act is a different question. In February 2001, Judge Stanwood Duval of the US District Court in New Orleans ruled that it did not: "'in plain language' [the Wire Act] does not prohibit Internet gambling 'on a game of chance.'"

On November 21, 2002, the US Fifth Circuit Federal Appeals Court upheld Duval's ruling, stating: "The district court concluded that the Wire Act concerns gambling on sporting events or contests... We agree with the district court's statutory interpretation, its reading of the relevant case law, its summary of the relevant legislative history, and its conclusion."

The Appeals Court further states: "Because we find neither the Wire Act nor the mail and wire fraud statutes may serve as predicates here, we need not consider the other federal statutes identified by the Plaintiffs... As the district court correctly explained, these sections may not serve as predicates here because the Defendants did not violate any applicable federal or state law."

The Appeals Court specifically cites Duval's statement: "[A] plain reading of the statutory language [of the Wire Act] clearly requires that the object of the gambling be a sporting event or contest." This is very explicit language. You would have to jump through a lot of mental hoops to consider the playing of online poker to be "a sporting event".

So, while the US Justice Department recently stated that the Wire Act covers casino games in addition to sports wagering, the Federal Appeals Court has directly ruled that that interpretation is not correct. This is not a small disagreement. It is a direct contradiction that could well spur the creation of new, 21st Century Federal legislation that actually deals with these issues. One bill introduced by James Leach of Iowa, aims to inhibit the ability of citizens to gamble online. It however does nothing to criminalize actual gambling online. But other bills may be introduced in the future with that goal.

Gambling regulation traditionally has been the responsibility of individual states. For instance, New York State Attorney General Eliot Spitzer reached a settlement with Citibank and PayPal regarding their involvement with online gaming. Some individual states have laws prohibiting any form of gambling online (or any gambling for that matter). That is a different issue from whether it is legal on a US Federal level.

A key distinction exists on a Federal level between bettors and those operators whose business is to benefit from the actual making of wagers: "engaged in the business of betting or wagering... which entitles the recipient to receive money or credit as a result of bets or wagers, or for information assisting in the placing of bets or wagers..." As long as players stay in the "players" category and not in the in-the-business-of-wagering owners/bookies/runners/agents categories, a significant difference in status exists.

There are many ways to read the Wire Act, but only under the broadest interpretation could playing online poker be deemed illegal in terms of the Wire Act. In my opinion (which isn't worth a hill of beans... only the US Supreme Court's view will matter unless new legislation passes) playing online poker is not illegal for US citizens, in regards to Federal Law -- unless it is a crime in an individual state, in which case the Federal Organized Crime Control Act of 1970 may apply. The Act makes it a federal crime for five or more persons to engage in a gambling business illegal under state law. Gambling online is definitely illegal in some states, but the Crime Control Act of 1970 does not apply to players. In addition, since the Crime Control Act does not refer to foreign commerce, it is hard to see how a case could be made that it applies to Internet gaming across multiple international borders.

Finally, in November 2004, the Caribbean island nation of Antigua and Barbuda won a World Trade Organization ruling that United States legislation criminalizing online betting violates global laws. In April 2005, the WTO Appellate Body affirmed the principal conclusions involved.

So, as long as online poker players do not participate in owning a share of the house rake; as long as players only wager against each other; as long as players participate in the skill game of poker and do not bet sports; as long as players obey state laws... draw your own conclusions. Eric is an avid poker player and webmaster of http://www.crazyjackspoker.com ]]> Do You Know The 7 Habits Of Highly Effective People? http://www.artwoo.com/article/do-you-know-the-7-habits-of-highly-effective-people http://www.artwoo.com/article/do-you-know-the-7-habits-of-highly-effective-people#comments Thu, 08 Mar 2007 18:27:06 +0000 http://www.artwoo.com/article/do-you-know-the-7-habits-of-highly-effective-people ...Because if you don't, you need to find out about them!!

"The 7 Habits of Highly Effective People" is one of the most influential self improvement books of all times: it has sold over 15 million copies in 38 languages since it was published in 1989! The author of the 7 Habits, Stephen R Covey, is a highly successful guru and acclaimed business leader.

The information in "The 7 Habit of Highly Effective People" can be used to accelerate your personal growth, your success in business, or even the overall success of a whole business -- the principles it teaches are so powerful and universally applicable.

The book talks about 7 mental habits that you need to adopt to live a full, purposeful and good life. The 7 habits are applicable today more than ever as the world of business becomes more attuned to the needs of everyone involved with it.



If you adopt and truly internalize the teachings of the 7 habit, you will be able to increase your effectiveness in the world.

7 POWERFUL SELF GROWTH TOOLS

The habits are in three groups. The first group are ones that are personal, internal habits: "be proactive", "begin with the end in mind" (a bit like "have a vision and a plan"), and "put first things first". You need to get these habits securely ingrained as a foundation to your character.

The next group of habits are about how you interact with other people: play for "win win", "seek first to understand then be understood", and "synergize".

The last group is just one all encompassing habit -- "sharpen the saw" -- make sure you take time to encourage all the other habits to grow and flourish.

But the book is much more than a description of the 7 habits, it takes you through a complete paradigm shift in the way you deal with the world and solve the problems of modern life. It is also full of insightful anecdotes that bring the ideas Stephen Covey 7 Habits talks about to life.

Many people agree that "The 7 Habits of Highly Effective People" is not an easy read -- but then that is often the way with something truly worthwhile! You MUST find the resources within yourself to read this book and use the principles it teaches in your life.

If you do "The 7 Habits of Highly Effective People" will continue to reward you time and time again with personal growth... You can get a free e-course "Achieving Your Dreams" and more resources, articles, and support materials to help you to succeed when you visit http://www.achieving-your-dreams.com Kevin John has spent many years helping businesses owners, aspiring business owners, and private individuals. ]]>