Social Democracia Law

posted by admin on Aug 12

State and Federal Labor Law Posters are Required for Small Businesses and Other Employers.

Statutes and regulations enforced by agencies within the US Department of Labor require that labor law posters and/or work place notices be posted in the work place.

Job safety and health protection labor law poster; Occupational Safety and Health Administration oversee this labor law poster. Private employers engaged in a business affecting commerce must display this labor law poster.

Equal employment opportunity labor law poster; Employment Standards Administration and Office of Federal Contract Compliance Programs oversee this labor law poster.  Involves Executive Order 11246, as amended; Section 503 of the Rehabilitation Act of 1973, as amended; 38 U. S. C. 4212 of the Vietnam Era Veterans’ Readjustment Assistance Act of 1974, as amended, Entities holding federal contracts or subcontracts or federally assisted construction contracts of $10,000 or more; financial institutions which are issuing and paying agents for U. S. savings bonds and savings notes; depositories of federal funds or entities having government bills of lading must display this labor law poster.

Fair Labor Standards Act (FLSA) labor law poster; Minimum wage poster, Employment Standards Administration, Wage and Hour Division oversee this labor law poster. Every private, federal, state and local government employer employing any employee subject to the Fair Labor Standards Act, 29 USC 211, 29 CFR 516. 4 posting of notices must display this labor law poster.

Employee Right for Workers with Disabilities/Special Minimum Wage Labor Law Poster; Employment Standards Administration, Wage and Hour Division oversee this labor law poster. Every employer having workers employed under special minimum wage certificates authorized by section 14(c) of the Fair Labor Standards Act must display this labor law poster.

Your rights under the family and medical leave act labor law poster; Employment Standards Administration, Wage and Hour Division oversee this labor law poster. Public agencies (including state, local, and federal employers), public and private elementary and secondary schools, as well as private sector employers who employ 50 or more employees in 20 or more work weeks and who are engaged in commerce or in any industry or activity affecting commerce, including joint employers and successors of covered employers must display this poster.

Uniformed Services Employment and Reemployment Rights Act (Notice for use by all employers) labor law poster; Veterans’ Employment and Training Service labor law poster. The full text of this labor law poster must be provided by each employer to persons entitled to rights and benefits under USERRA.

Notice to all employees working on Federal or Federally financed construction projects (Davis-Bacon Act) labor law poster; Employment Standards Administration, Wage and Hour Division oversee this labor law poster. Any contractor/subcontractor engaged in contracts in excess of $2,000 for the actual construction, alteration/repair of a public building or public work or building or work financed in whole or in part from federal funds, federal guarantee, or federal pledge which is subject to the labor standards provisions of any of the acts listed in 29 CFR 5. 1 must display this labor law poster.

Notice to employees working on government contracts (Service Contracts Act) labor law poster; Employment Standards Administration, Wage and Hour Division oversee this labor law poster. Every contractor or subcontractor engaged in a contract with the United States or the District of Columbia in excess of $2,500 the principal purpose of which is to furnish services in the U. S. through the use of service employees must display this labor law poster.

Notice: employee polygraph protection act labor law poster; Employment Standards Administration, Wage and Hour Division oversee this labor law poster. Any employer engaged in or affecting commerce or in the production of goods for commerce must display this labor law poster. Does not apply to federal, state and local governments, or to circumstances covered by the national defense and security exemption.

Notice migrant and seasonal agricultural worker protection act labor law poster; Employment Standards Administration, Wage and Hour Division oversee this labor law poster. Agricultural employers, agricultural associations and farm labor contractors must display this labor law posters.

Now is the time to think about updating your labor law posters to avoid fines and prevent lawsuits. Don’t wait until you get fined get your mandatory labor law posters compliant today.   One less thing you have to “get a round too”. Don’t mess with the law, Osha compliance, and state and federal labor law poster posting requirements are Mandatory, get your Labor law posters updated today. Keep in mind that your state may require additional labor law poster postings.

posted by admin on Jul 30

Of all the universal laws, the law of attraction is both the most fascinating and the most misunderstood. Fascinating, because as humans we naturally want a tool to help create the life of our dreams, and the law of attraction can certainly help us to do that. Misunderstood because, unlike a tool that we can pull out and use now and again but is otherwise inactive, the law of attraction is operating in our lives constantly and independently, whether we are consciously aware of it, or believe in it, or not.

Public record means all the documents like photographs, papers; letter that has all the information include the personal information. The federal and local government creates public records like the persons background, record check etc. The government maintains most fundamental documents of public records. Now a day many public records are available in internet or other sources. With the help of public record, we can search personal information within a short period.

Background Checks 101

A small business owner in San Diego County told me recently that they were using one of these brand name “Instant Nationwide” Maryland background check services that was, in fact, recommended by their liability insurance carrier. When I showed the gentleman on the service’s own website that they search nothing in San Diego County he was naturally upset and alarmed. He said that they had been using the service for years to screen their employees. I asked if he ever got a criminal record on anyone and he said that he didn’t think so. Well, no wonder. The service that he paid for searched no records in San Diego County, ever.

If you’re not creating the kind of life you want though, chances are you are creating by default, allowing the law of attraction to bring you more and more of the same. Unfortunately, we weren’t handed a life manual at birth and, for many of us, our parents were not aware of the law of attraction and so did not teach us. At Attract Like Magic we are dedicated to helping you understand this powerful universal law and how you can begin to use the law of attraction to consciously create the life of your dreams. On the Attract Like Magic site, and in upcoming newsletters and articles, we will explore everything to do with the law of attraction and provide tools that will help you to harness its power.

pass4sure

expert witness

Road Accident Compensation

Quit claim deed form

posted by admin on Jul 29

The Canadian government has passed a new citizenship law that resolves a variety of issues about Canadian citizenship (Bill C-37). Buried in that law is a provision that has passed unnoticed, until now, which puts limitations on the Canadian citizenship rights of some internationally adopted children. Recent articles in the National Post, the Globe & Mail and the Ottawa Citizen have brought these provisions to the attention of the adoption community.

Although this new law came into effect on April 17, 2009, I hope it is not too late for adopting parents to express their views. Also read Complex Citizenship Laws Anger Adopting Parents). The provisions of the new law are complex, so I have set out a series of questions and answers at the end of this article, which I hope will clarify the finer points of the new rules.

A good way to begin understanding the issues is to read the newspaper articles “Critics Fear Two-Tier Citizenship” and “Citizenship Changes Could Create Inferior Citizens”. For the perspective of Robin Hilborn of Essentially the legislation provides that the children of some internationally adopted children will not have a right to Canadian citizenship. In practice, this is likely to affect only a small proportion of all adopted children. What upsets adopting parents, however, is the notion that their children will have a lesser class of citizenship. In effect, the children are being discriminated against. Adopting parents do not want to feel that their children are second-class citizens.

Adopting parents in Canada are losing their tolerance for being discriminated against. Resentment at the inherent discrimination against adopting families built into the EI legislation has been simmering for the past decade (for a detailed description of the discrimination which adopting parents feel about this subject, see our earlier Spotlight, “Adoption in the Workplace”). Now a new law that discriminates against their children is going to have a galvanizing effect on the adoption community.

The Annual Report to Parliament on Immigration, 2008, begins with the following words:

“The Citizenship Act, under which CIC grants citizenship to eligible newcomers, affirms that all Canadians have the same rights, privileges and responsibilities whether they are citizens by birth or naturalization. “

That changed April 17, 2009. In an attempt to solve the problem of Canadian citizenship being handed down generationally to people who don’t actually live in Canada, the government has reduced the citizenship rights of some internationally adopted children, and effectively created a lesser class of citizenship for them. Was this really necessary? It feels like a sledgehammer was used to kill a flea. Could not a more elegant solution have been found to actually deal with the perceived problem?

The Report of the Senate Standing Committee, which reviewed Bill C-37, states:

“Such a distinction would grant citizenship to a first generation born outside Canada while denying it to their children and subsequent generations were they to be born abroad. Such a provision strikes your Committee as arbitrary and unfair. “

The Committee also added: “Rather, the Committee urges the government to ensure that all aspects of new citizenship legislation are Charter-compliant and consistent with Canadian values”.

As a result of concerns by the Immigration Department about the confusion surrounding the new law, it recently issued a clarification.

In a published response to the concerns of adopting parents, the Minister states:

“Critics have entirely missed the point of how changes to our citizenship law, which come into effect on April 17, 2009, will protect the value of citizenship. “

I don’t think that is true. Adopting parents probably do understand the concerns that the government has about protecting the integrity of Canadian citizenship. It is the specific solution, which the government has come up with that they are protesting.

It is an insult to adopting parents to say that their children now have a lesser class of Canadian citizenship. The government needs to rethink these provisions and find a solution that does not put limitations on the rights of citizenship for internationally adopted children. The government should find a solution which fits the actual problem. This article is a call to action for adopting parents. Adopting parents who wish to make their views known to the government should do so immediately. Prior to doing so, however, please read the questions and answers set out below. The law is quite technical and there is already confusion about who the law would apply to. This is not helped by the government’s own website, which is not clear. If, after reading the article and the new rules, additional questions arise that should be asked in the list below, please send them to me and I will add them to the article.

For the purposes of this article, I will use the terms Class A citizenship to refer to full-rights citizenship and Class B to refer to the new, lesser-rights citizenship.

Who does the new law apply to?

The new law applies to adopted children who receive their citizenship abroad, pursuant to the new direct citizenship provisions enacted in Canada on December 23, 2007. [See also Q10 below]

Who is not subject to the new rules?

The new rules do not apply to the following:

(a) adopted children born in Canada;

(b) Internationally adopted children who come to Canada on a permanent resident visa and subsequently obtained Canadian citizenship after their arrival in Canada. Up until now this has been the situation of most (but not all) children adopted overseas and brought to Canada. They will not be affected by the new rule, despite what it says on the Canada Immigration website.

The web posting “New Citizenship Rules” states:

“This limitation will also apply to foreign-born individuals adopted by a Canadian parent. The adopted children of Canadian citizens will be considered to be the first generation born abroad. This means that:

If a person born outside Canada and adopted by a Canadian parent has a child outside Canada, that child will not be a citizen by birth;. . . . . . . . ”

This information is misleading. In a clarifying email from the Ministry of Citizenship & Immigration (which doesn’t seem to be posted anywhere at the moment), an official makes it clear that the restriction on obtaining Canadian citizenship only applies to situations described in the above quote and where the parent of the child born outside of Canada originally was granted Canadian citizenship overseas pursuant to the new 2007 direct to citizenship route. This misstatement on the government website has caused some parents to believe that the new law will apply to their children, when in fact it will not.

(c) The new law will not apply to children who would normally fall into the Class B citizenship definition, but whose parent is working overseas with the Canadian government (Federal or Provincial) or serving overseas in the armed forces. Instead, these children will have Class A citizenship. However, children whose parents are working for Canadian corporations, the United Nations, who are on vacation, or who are otherwise travelling outside of Canada do not get this exemption and will have Class B citizenship. This is a distinction which is hard to justify. If you work for one kind of employer your children are Class A citizens, and if you work for a different kind of employer your children are Class B citizens. Surely there is a better way to sort this out.

What is the most serious consequence of this new law?

The most serious consequence that is evident at this time is that a child born overseas to an adopted person has a reasonable chance of being a “stateless individual” (this would be the adopting parents’ grandchild). This leads to a number of questions:

(a) Why would this happen? – Only some countries grant citizenship to a child born in their country (Canada and the USA being examples of countries that do that). Many countries rely on the citizenship of the child’s parents or some other criteria. The child would be born stateless if they did not derive a citizenship through either parent and they are also born in a country where birth on soil does not give access to citizenship. As a stateless person, the child would have no obvious way to come to Canada.

(b) Is there a remedy? – A child of a Canadian who was born stateless abroad would have the option of applying for a grant of citizenship on the basis of statelessness. The amended Citizenship Act has provisions for granting citizenship to stateless children of Canadian citizens, but the child must first live in Canada for three years. This stateless child would have neither a passport nor a right to enter Canada, so it is not even clear how the child could travel to Canada to establish residence. One can only hope that there will be a benevolent immigration officer overseas who has empathy for the predicament that the Class B Canadian citizen finds himself in, and will grant the stateless child some sort of visa to come to Canada. This event will be 20, 30 or 40 years into the future. It is hard to predict what the world will look like then in terms of population and pressures on the Canadian immigration system. What will immigration officers say to a Class B Canadian citizen in 30 years who wants to bring their stateless child back to Canada? Adopting parents today will be the grandparents of that child. We can all hope it’s a sympathetic response.

(c) Any born-abroad Canadian adopting parents could immediately face the problem outlined in (b) above. Again, this is because the provisions of the new law apply to children born outside of Canada as well as to those adopted.

What happens if my adopted child has Class B Canadian citizenship and gives birth to a child overseas?

That child, your grandchild, will not acquire Canadian citizenship. He or she may be eligible to be sponsored as a permanent resident, and then apply for citizenship as soon as he or she becomes a permanent resident.

How does it work for subsequent generations? Do they have Class A or Class B Canadian citizenship?

A Generational Chart Showing Whether Descendants have Class A or B Canadian Citizenship Rights:

Second

Generation

(your adopted child)

If this child receives Canadian Citizenship overseas under the 2007 law, he/she will have Class B Canadian Citizenship

Third

Generation

(your grandchild)

If the child of the adopted child above is born outside of Canada, he/she will not be entitled to automatic Canadian Citizenship. The child may apply to enter Canada on a Permanent Resident Visa. If he/she subsequently obtains Canadian Citizenship, then it will be a Class A Citizenship.

Fourth Generation

(your great-grandchild)

The child of this Class A citizen parent, if born inside Canada, (the Adoptive Parents’ great-grandchild) will have Class A Citizenship.

. Can I do anything to avoid this new law if I am going to adopt a child in the future?

Yes you can. Do not use the new direct citizenship route for children adopted overseas. Only use the old route of applying for a permanent resident visa for the child, and after the child is landed in Canada apply for Canadian citizenship. This child will have a Class A Canadian citizenship.

Adopting parents report that they are consistently advised by Canada Immigration officials to use the new direct citizenship route. Anyone considering which route to follow should read our previous Spotlight – Citizenship for Adopted Children: Canada’s New Law for 2008. In addition, adopting parents should obviously think about whether they wish their children to have Class B Canadian citizenship, and what effect that might have on their grandchildren. Does the new law contravene the Charter of Rights?

I don’t know. The government has not invoked the “Notwithstanding Clause” under the Constitution of Canada, so the Charter does apply to this legislation. In the 1998 McKenna case, the Canadian Human Rights Code was used to say that it was discriminatory to adopted children not to be able to obtain citizenship overseas. It was this case that 10 years later finally led to the new citizenship law of 2007 permitting just that. On the other hand, adopting parents were not successful in invoking the Charter of Rights to overturn the inherent discrimination in the EI legislation in the 1997 Schafer case. It does seem likely that eventually someone will challenge this notion of Class B citizenship for adopted children under the Charter of Rights. A Charter challenge could also come based on discrimination against persons born abroad to Canadian citizen parents. . Are the new rules retroactive?

Section 3 (4) of the Citizenship Act states:

“Subsection (3) does not apply to a person who, on the coming into force of that subsection, is a citizen. “

What does this clause mean? It means that if you are a citizen on the day the new law comes into force, then you will not lose your citizenship. Unfortunately, the Immigration Department is interpreting this to mean that a person will not lose their Canadian citizenship, but the new provisions will change the quality of your citizenship.

So, for the adoption world, the law will be retroactive and will have the following three results:

(a) Children who have been adopted and obtained their Canadian citizenship overseas since December 23, 2007 will have their Canadian citizenship downgraded from Class A to Class B on April 17, 2009. This will come as an unhappy surprise to Canadian adopting parents, who have pursued the direct citizenship route as a result of non-stop directions from Canada Immigration officials to adopting parents to take the new route; and

(b) Adopting Parents who were born to Canadian parents overseas and acquired Canadian citizenship as a result. Any adopting parents in this category will have their citizenship changed from Class A to Class B on April 17, 2009. As a result, when they adopt overseas, their children are not entitled to direct Canadian citizenship. Their only route will be to sponsor the child as a landed immigrant, obtain a permanent resident visa, and subsequently apply for Canadian citizenship.

(c) Adopting Parents who were adopted overseas themselves as a child, and then became Canadian citizens through the Permanent Resident Visa process. The new law will NOT affect these adopting parents as they have Class A citizenship. Their adopted children will be eligible for direct citizenship (albeit Class B). If these adopting parents use the Permanent Resident Visa process, however, their adopted child will have Class A Canadian citizenship.

A CIC official has verbally confirmed that these provisions are retroactive. We have requested that the government confirm to us, in writing, that the law is retroactive. We will update this section when we receive the government’s written answer.

Does this new law only apply to adopted children?

No, in addition to adopted children, the new rules apply to children born outside of Canada, unless their parent(s) fit within a specific definition. In addition, Bill C-37 (the new law) also deals with many other citizenship issues unrelated to adoption.

If I am adopting parent who was born abroad to Canadian parents, can I adopt overseas?

You can adopt, but if you are single you will not be able to use the direct citizenship route. Your child will have to be admitted to Canada with a PR Visa. The reason for this is that the new law applies to children of Canadians born to Canadians overseas, as well as to those adopted overseas. However, if you are married to a Class A Canadian citizen, then you will be able to use the direct citizenship route.

Is there any “patch” that the government could use to repair this law?

The application of the new law should be suspended until the adoption community has a real chance to have input, and perhaps a better solution is found. One suggestion being proposed would provide an exception to the new law if the adopted child lived in Canada for a certain unspecified period of time. In other words, the child would start with Class B Canadian citizenship, and if the child eventually qualified by living in Canada for a certain period of time, they would graduate to Class A Canadian citizenship. Whether this would be a satisfactory solution for Canadian adopting parents remains to be seen.

These concerns are not limited to children adopted abroad, but also apply to children born abroad. The implications of this law are likely to be seen more immediately for born-abroad Class B citizens than adopted-abroad Class B citizens.

Why was the adoption community in Canada not consulted before this law was brought into force?

The adoption community in Canada was unaware of these new rules until articles appeared in the press in mid-January, 2009. How did this happen? – Bill C-37 received royal assent on April 17, 2008. It came into force on the first anniversary of that date, April 17, 2009. For over a year preceding the passing of the new law, the government consulted with various interest groups who could be affected by changes to the Citizenship Act. It does not appear to have been made clear, however, that a Class B citizenship would be created for children adopted overseas. On December 13, 2008, the regulations under this new Act were published in the Canada Gazette, and provided for a 30-day comment period. Unfortunately, this comment period extended over the Christmas and New Year’s vacation and expired in early January. Buried in the comment attached to the Canada Gazette was the statement , “The aforementioned limitation will also apply to foreign-born persons adopted by a Canadian parent”. It was only when these proposed regulations were published that one person noticed this and has been raising an alarm for the past few weeks.

Surely, if the Government of Canada was going to do something as dramatic as create Class B citizenship rules for adopted children in this country, it is incumbent on them to really bring this to the attention of adopting parents, the Adoptive Families Association, the Provincial Adoption Bureaus, Adoption Agencies across Canada, and the Adoption Council of Canada. It is incredibly dismissive of the adoption community to have been treated in this manner by the government.

What can I do to stop this new law?

Perhaps nothing. The new law (Bill C-37) has been passed, given Royal assent, and the regulations under it are in force. Some parents are currently considering filing a complaint with the Canadian Human Rights Commission. And, of course, someone with deep pockets could take a Charter of Rights challenge to try to have the law declared unconstitutional. On the other hand, perhaps adopting parents in Canada can speak out with one voice and object to what has happened. Adopting parents in Canada represent a potent political force. To date, this has been largely untapped. It is time that the Canadian adoption community make its influence felt. There is no reason why we cannot have an Adoption Caucus of MPs and Senators who listen to what’s important to the adoption community in Canada. The natural focus of these efforts could be the Adoption Council of Canada, which can harness some of the tremendous energy and opinions of adopting parents in this country. Hopefully, this issue of Class B Canadian citizenship for some internationally adopted children will provide a focus for adopting parents to work together.

In the meantime, parents who wish to comment on what has happened should contact their Member of Parliament and the Adoption Council of Canada

Los Angeles DUI Attorney Specializes in DUI law in Los Angeles, Orange County and San Bernardino California. Features DUI, Wrongful death, DWI and drug offenses as well as personal injury law.

posted by admin on Jul 28

The Feldman Law Center, a Law Firm that provides nationwide loan modification and debt relief services announced the recent acquisition of former Lending Tree Vice President Mr. Jerry Koller to head up their expansion. Mr. Koller brings us a wealth of knowledge, says Mr. Steven C. Feldman as Koller has worked for Mr. Anthony Hsieh Former ETRADE Financial CEO who then founded HomeLoanCenter. com and sold it to Lending Tree in 2004 for an undisclosed sum. With over 20 years in the finance and mortgage industry Feldman feels the long awaited acquisition could not have come at a better time.

Feldman Law Center was one of the original loan modification attorneys providing loan modification services throughout the country and has grown at a record pace over the past year. Back in the day, homeowners facing foreclosure or immanent hardship due to interest rate adjustments didn’t know what a loan modification was and with the recent development of our Internal Management System Software and the acquisition of Mr. Koller we can structure our growth accordingly as to not adversely effect our day to day operation. The newly developed IMS system will improve the way we do business and allow us to process and negotiate over 5,000 loan modifications per month. Currently the Feldman Law Center manages a large case load and negotiates pools of loan modifications with the major loan servicers like Country Wide Home Loans, Chase and CITI Mortgage. The original staff of five has grown to over 65 in a year that most new nothing of loan modifications being used to stop foreclosure. The Law Offices occupies over 10,000 sq. ‘ in Mission Viejo, Ca. and is currently negotiating the lease of another 35,000 sq. ‘ in Irvine, Ca. Coincidently within a mile of the former Lending Tree campus Mr. Koller frequented. Feldman sees the rapid growth as the next “refi boom” and it should be smooth sailing with Koller aboard. “We couldn’t do it without a man of his caliber” says Feldman.

Mr. Koller went to every Loan Modification Company and Law Office that provides loan modification services in town before settling on the Feldman Law Center. When asked why Koller says, “He has the reputation and I want to work for the best”. When asked why loan modifications, Koller says “I like helping people and I miss the fast paced operations”.

posted by admin on Jul 27

SOURCES OF HINDU LAW India is a huge country not only in terms of its geography but also its population, which has various religions, customs and practices. However, India has two main personal laws i. e. Hindu law and Muslim Law. Before moving ahead, I would like to define the Law – ‘Law is a large body of rules and regulations based mainly on general principles of justice. ‘

Hindu Law is a personal Law (Law of Marriage, Divorce, Adoption, inheritance etc) evolved through long period of time from many sources (mentioned below) by Hindu religious community of India. Therefore, I love to call it ‘Sedimentary Law’ because Laws from various sources Sedimented and consolidated into Hindu Law. The important sources of Hindu Law are:

1)  Ancient Source

2)  Modern Source

Ancient source is the main source of Hindu Law, which further subdivided into viz -a) Sruti: the literal meaning is – ‘what was heard’, and it is originated from Vedas i. e. Rig, Yajur, Sama, and Atharva Vedas. Basically, it is praise in the forms of hymns of the earliest Hindu tradition which deals – types of marriage, adoption, partition etc.

b) Smriti: literally means – ‘what is remembered. ‘ It is also known as ‘Dharma Sutras’ and available in the prose from. The important Smritis are ‘Manu Smriti, Yagnavalkya Smriti, Narada Smriti etc and, it deals the civil and criminal law, procedural law, marriage Law etc.

c) Commentaries: the discrepancy between above two gives rise a third one i. e. ‘Commentaries, which later on beget two schools i. e. Mitakshara (Vijyaneshwara school) and Dayabhaga (Jimuthvahana school) associated with particular areas.

d) Customs: it is a set of rules and norms, practice by particular society for a long period of time. However, ‘customs arise whenever a few human beings come together as no association of human beings can exit permanently without adopting consciously or unconsciously, some definite rules governing reciprocal rights and obligations’ (Vinogradoff, Collected Papers). “Indeed custom is coeval with the very birth of the community itself. ” (Jurisprudences).

Modern Source refers to the rules and regulations established through legislation by educated and intellectual people. These laws almost codified laws such as -

a) Hindu Marriage Act (1955),

b) Hindu Succession Act (1956),

c) Hindu Minority and Guardianship Act (1956) and

d) Hindu Adoptions and Maintenance Act (1956)

After independence (15 August 1947), India constituted its own Constitution, where India defines itself as a secular country, like this given space to flourish all religions with its own customs and laws. Therefore, the Indian Legal System is a Common Law-cum-Civil Law. Apparently, Hindu Law is a personal law and applicable to person and family relations only.

posted by admin on Jul 26

1. The Law of Perpetual Transmutation:The best definition of Natural Law seems to be that, “it is the uniform and orderly method of the omnipotent God. Unlike any other form of animal life that has been created, we were given the power of choice or free will; along with this power came certain responsibilities. The capacity to choose does not involve freedom from the consequence of our choice. The laws or rules which govern every individual, and which we cover to some degree in this book, are as exact as the laws which govern the material universe. You can act in accordance with these laws or you can disregard them, but you cannot in any way alter them. The law forever operates and holds you to strict accountability, and there is not the slightest allowance made for ignorance. The law of attraction will deliver to you what you do not want as quickly and as certainly as it will deliver what you do want.

2. The Law of Relativity:

In the study of this law, we find that all things are relative. All laws are related to each other and correspond with each other. The laws of the little are the laws of the great. There is no big nor small, fast nor slow, except by comparison. Every law that is a law must be relative to all other laws. In other words, they must be in harmony, agreement and correspond with each other. An understanding of this law will give one the means of solving many of the secrets of nature that seem to be para- doxical. The much discussed fourth dimension is nothing more nor less than the dimension of vibration. Again, all rates of vibration are either high or low, only by comparison with those above or below them.

Whenever the law is properly used, you win. Let’s remember that everyone does something better than you and, likewise, you do something better than every person you meet. When you relate something you do that you are not proficient at, to something another person does that they have mastered, you will not look good. You are using the law against yourself. Begin using this law to heighten your self esteem. You will then become aware of how special you are in the light of truth.

3. The Law of Vibration and Attraction:

Everything in the universe vibrates. . . nothing rests. We really do live in an ocean of motion. This truly contains the great secret of life. You are always moving toward something and it is always moving toward you. . . it’s action and attraction. This is where your intuitive factor is used (or should be). You can use it to pick up other people’s vibrations. When you consciously become aware of vibrations, you call them feelings. When you feel bad, you can change your feelings by thinking good thoughts. When you pick up abad feeling from another person. . . you know they must be thinking disturbing thoughts. You must not let their negative vibrations affect your way of thinking.

Your thoughts are vibrations that you send off into the universe. When you concentrate, the vibrations are stronger. Your thoughts are cosmic waves of energy that penetrate all time and space (vibrations). Thought is the most potent vibration and remember that you can think. . . that makes you a very special creation (God’s greatest masterpiece). You should always be delighted with yourself. (All creation begins in thought. ) Your thought controls the vibration your physical body is in. Disease is a body that is not at ease. Health is a body at ease.

4. The Law of Polarity:

Everything in the universe has its opposite. There would be no inside to a room without an outside. If you referred to this side of the sheet of paper that these words are writen on as the top, then the other side would be the bottom. You have a right and left side to your body, a front and back. Every up has a down and every down has an up. The law of polarity not only states that everything has an opposite.. it is equal and opposite. If it was 3 feet from the floor up on to the table, it would be 3 feet from the table down to the floor. If it is 150 miles from Manchester to London, by law it must be 150 miles from London to Manchester; It could not be any other way.

If something you considered bad happens in your life, there has to be something good about it. If it was only a little bad, when you mentally work your way around to the other side, you will find it will only be a little good.

5. The Law of Rhythm:

The law of rhythm embodies the truth that everything is moving to and fro, flowing in and out, swinging backward and forward. There is a high and a low tide. Everything is flowing, both in and out, in accordance with the law. There is always a reaction to every action. Something must advance when anything retreats; something must rise when anything sinks. This law governs the movement of the planets in their orbits and also manifests in the mineral and vegetable kingdoms. Men and women can observe this law in their mental, physical and emotional states. The law of rhythm is universal. This can be observed in the rising and setting of the sun and moon, ebb and flow of the tides, coming and going of the seasons, and in the rhythmic swing of consciousness and unconsciousness.

You are not going to feel good all the time; No one does. If you did, you wouldn’t even know it. The low feelings are what permit you to enjoy the high feelings.

There will always be highs and lows in life. Reason gives us the ability to choose our thoughts (that is free will). Even when you are on a natural down swing, you can choose good thoughts with your free will and continue to move up toward your goal.

6. The Law of Cause and Effect:

Every cause has its effect; every effect, its cause. There is no such thing as chance. Everything happens according to law. Nothing in the entire universe ever happens, unless it occurs according to law. Nothing ever escapes the law. It is impossible for the human mind to conceive of starting a new chain of causation, for the simple reason that every effect must have a cause; and in turn, that cause must have an effect. Thus, we have the perpetual, never-ending cycle of cause and effect.

Ralph Waldo emersion called the law of cause and effect, the law of laws. You are, of course, very interested in results. Your physical health, your relationships, the respect you earn, your material income. You must concentrate on the cause, and the effect will automatically take care of itself. That is how the law works.

7. The Law of Gender:

The law of gender manifests in all things as masculine and feminine. It is this law that governs what we know as creation. The word creation is often erroneously used, for, in reality, nothing is ever created. All new things merely result from the changing of something that was, into something else that now is. The law of gender manifests in the animal kingdom as sex. It also manifests in the mineral and vegetable kingdoms. Without the dual principle of male and female in all things, there could not be a difference of potential, perpetuation of motion, nor regeneration. This law is the one which finally closes the cycle and completes the circle of the seven subsidiary laws under one great law.

This is in truth, the creative law. This law decrees everything in nature is both male and female. Both are required for life to exist.

This law also decrees that all seeds (ideas are spiritual seeds) have a gestation or incubation period before they manifest. In other words, when you choose a goal or build the image in your mind, a definite period of time must elapse before that image manifests in physical results.

posted by admin on Jul 15

Bankruptcy can be a dirty word, and an even dirtier experience.   If you are facing a dangerous financial situation where bankruptcy seems like an option, you could be dealing with quite a bit of fear.   Part of what leads people to make bad decisions is thinking they are the first and only people to go through difficult financial situations.    However, when it comes to bankruptcy, many people have faced these unfortunate circumstances.   Loan modification attorneys work with people everyday who are considering bankruptcy as an option, thinking that bankruptcy will help them keep their homes.

Most recently, former pro bowl quarterback of the Cleveland Browns Bernie Kosar declared bankruptcy.   After donating millions to charity, lending tens of millions of dollars to friends and family and going through a messy divorce, Kosar finally had to succumb to the financial pressures.   Kosar has been a successful businessman, a skilled athlete and more.   Yet, in the midst of his success, financial troubles haunted him.   Many people make a great deal of money over their lives, yet they still face difficult financial situations.   Kosar still has to watch over his daughter, try to keep a roof over their heads and figure out the next steps in his life.   Declaring bankruptcy can impact someone in ways they never though of, and Kosar is going through those challenges.   Getting a loan is difficult, getting a reasonable interest rate is impossible, and it can even impact your career.

If you are facing foreclosure, you may think that a bankruptcy is the way you should go.   Bankruptcy professionals tout the benefits of declaring bankruptcy; however, bankruptcy has various negative impacts on your credit history, your finances and your life.   Declaring bankruptcy will stay on your credit report for years, up to a decade in fact.   That means that every loan, credit card and line of credit you ever get will be impacted by your bankruptcy.

Bankruptcy is also sold as an option to avoid foreclosure.   However, there are much better options to not only stave off foreclosure, but keep your credit in a much better place.   A California loan modification could be an alternative to bankruptcy that keeps your credit rating from falling through the floor and your interest rates from going through the roof.

California loan modification attorneys work hard to discover what your options are.   Rather than living in a home you think you can’t afford, a loan modification attorney can help you stay in that home for decades and give your family the future (and present) they deserve.   Your hard work to buy the home should not have to be ruined by a bad economy or a subprime mortgage loan.   With a skilled California home loan modification attorney working with you, the chance to stay in your home and build a better tomorrow is a reality.

Bankruptcy might seem like an option to avoid foreclosure, but all it does is further bury you in a financial hole.   A loan modification could be the way you avoid foreclosure and get out of your financial nightmare once and for all.

posted by admin on Jul 13

In a move clearly targeting loan mod shops around the country, Sen. Charles Schumer said on June 2nd that he will amend a bill he introduced in early 2009 which initially focused on mortgage brokers doing loans and refi’s, to include loan modifications done by these brokers as well. Schumer’s bill, titled “The Borrowers Protection Act”, will now place restrictions on loan modification companies, mortgage brokers, and others who collect advance fees from struggling homeowners to modify their current mortgages.New York Governor David A. Paterson also announced legislation that would ban advance fees paid to loan mod shops with the exception of attorney’s offices while Schumer’s amended bill will force loan mod shops to follow federal registration or licensing requirements and adhere to guidelines on truth in lending laws, fees, and marketing. The allowance for the continuing collection of advance fees by attorney’s offices should serve at least as an implied endorsement of their work in the loan modification industry.

Both bills seek to eliminate the shoddy and misleading marketing tactics often employed by loan mod shops that lure struggling homeowners into a loan modification process with guarantees of principle reductions, ultra-low interest rates, and other unsubstantiated claims.   These shops often spend the bulk of their time and effort on marketing and collecting fees but then spend little or no time on the loans they have been hired to modify. Both Schumer’s and Paterson’s bills are aimed at the shops that are taking advantage of homeowners by promising undeliverable results and then, simply, not delivering. The anger and vitriol on the issue comes from the fact that those homeowners not only lose the money that they paid in fees, they are often subject to foreclosure if they have fallen too far behind on their payments during the loan modification process. Another issue with the loan mod shops is that one out of every two homeowners that get their loans modified with them fall back into default within six months. Including homeowners that negotiate directly with their lenders, Fitch Ratings expects those default rates to approach 70% of all modified loans by the end of 2009

Schumer’s and Paterson’s bills, allowing for advance fees to attorney firms and disallowing them for all others, acknowledge the superior work done by the law firms in the area of loan modifications. While statistics are hard to come by, it is estimated that attorney driven loan modifications are two to three times more successful at keeping homeowners out of foreclosure than the loan mod shops and do it yourselfers. The reason for the huge performance gap is that attorney driven loan modifications result in greater concessions from the lenders, lowering mortgage obligations to a point where the payments fit into the homeowners’ budgets, allowing them to stay current on those payments. The loan mod shops and do it yourselfers, on the other hand, are much more likely to accept offers from their lenders  for modifications that are not sustainable for the short term, let alone the life of the mortgage.

“We always tell the client to always make a mortgage payment if you possibly can,” said Kisha Wright, with the Long Island Housing Partnership.

posted by admin on Jul 9

You may have a number of questions regarding loan modifications and how they can help you avoid foreclosure.   Loan modifications have been all over the news lately.   President Obama has passed major, historic legislation giving homeowners more access to loan modifications; the California legislature has also passed legislation promoting loan modifications.Here are some questions and some answers for loan modifications:

Q: What is a loan modification?

A: A loan modification is an agreement between a lender and a borrower to change the original terms of a loan in order to make payments more affordable.   For homeowners, a California loan modification could be a way to stay in their home.   A loan modification attorney can be a major asset when trying to get a loan modification.

Q: How can a loan modification be accomplished?A: There are actually a number of different ways to get a loan modification.   The interest rate on a loan can be either lowered temporarily, or permanently set at a lower rate.   An adjustable rate could be set to a fixed rate.   The term of the loan could be changed, from say 30 years to 40 years.   There could be a principal reduction of the loan amount.   There are other ways and you could also have any combination of options.   All of this is geared towards lowering your monthly payments and making your mortgage more affordable.

Q: How common are loan modifications?

A: As the real estate crisis continues, loan modifications are becoming increasingly common.   Loan modifications have been around for a very long time, but only when many people are in danger of losing their homes does everyone begin to ask questions.   Some think loan modifications are a new invention, or a scam, but people with mortgages have been getting loan modifications for quite a while.

Q: Does the federal of California state government play a role in loan modifications?

A: As so many people are suffering due to the economic crisis, President Obama and the California legislature have passed various laws pressuring lenders to offer loan modifications.   Lenders are not opposed to loan modifications, especially at a time when so many Americans are facing foreclosure.   A foreclosure hurts the banks’ bottom lines, and the industry has already seen hundreds of billions of dollars in financial loss due to the mortgage crisis.   California passed a law in 2008 promoting loan modifications, and in early 2009 President Obama wasted no time in helping people get the loan modifications they need to stay in their homes.   With Freddie Mac and Fannie Mae in serious trouble due to foreclosures (both of which are federal entities), it behooves the federal government to act that much quicker in saving people’s livelihood.

As you can see, there is a lot of information out there on mortgage loan modifications, and many people are unaware as to whether or not they qualify.   If you are facing foreclosure or facing another financial crisis, contact a qualified California home loan modification attorney today and get “in the know. ”

posted by admin on Jul 7

In today’s unpredictable economy, you can’t take anything for granted. You don’t know if you’ll have a job tomorrow, if you will be asked to take an unpaid vacation, or if the interest rate on your home mortgage will spike. What if gas prices soar? Will a trip to the grocery store for your family’s weekly necessities cost more? So much of the territory that our country, and the world, is venturing into is unchartered.

While we don’t know what the future holds, we can try to plan appropriately for it. How can you prepare yourself for future expenses, save money, or spend less in your current situation? Many wise people are considering these questions now.

In addition to planning for the future, we can also take advantage of the opportunities that we are offered today. One opportunity being offered to many troubled homeowners is a home loan modification.

President Obama’s housing plan involves offering many people a chance to modify their home loans. If a distressed homeowner lives in his or her property, falls within the requirements for the amount they owe, and meets additional criteria, they could be eligible for the government plan. The FDIC even has a “mod in a box” home loan modification program that they are hoping to enlist lenders in taking part in. Even if you don’t take advantage of the government’s specific plans, and are a homeowner in a volatile financial situation, you can still opt to modify your home loan.

With the help of the Feldman Law Center, you can have a better chance at protecting your financial future. You do not know when home loan modifications will start to taper off, how long you will be at your current job, or how your taxes could be changed in the future. If you are concerned about your adjustable rate mortgage, or a potential bankruptcy or foreclosure, you need the help of experienced attorneys on your side.

The federal government as well as many state governments, are talking about increasing taxes. What is the potential fallout of that? Given the uncertainty we are facing now, it is hard to guess what higher taxes might result in. But perhaps homeowners would have to pay higher property taxes, or perhaps additional fees and penalties could be added to home loan modifications.

Debates on the efficacy of taxes, both low and high, are inevitable. Chances are good that tax rates and structures will soon change. Will this be good for your current situation? Will you pay more, or less? Will you be a part of the population paying for the benefit of others, or will you be the beneficiary? Obviously, this depends on many factors. It doesn’t seem prudent to generalize widely about this. Every situation will end up being different.

It might not be a good idea to wait for a loan modification. They are available now. Call the Feldman Law Center today. We specialize in loan modifications and are ready to assist you today.