Public Relations

A Few Tips For Purchasing Affordable Home Insurance In Honey Brook Without Sacrificing A Quality Policy

byAlma Abell

These days, many homeowners are trying to give their household budgets a boost by trying to find ways to save money on necessary expenses. Unfortunately, some of those who seek big savings are going about it the wrong way, and they may actually be putting their finances in jeopardy by under-insuring their homes to save money on their premiums. While this may seem like a good short-term strategy to save a few dollars, it may not be the best thing to do in the long run. Read on to discover a few ways that you may be able to obtain a lower premium without skimping on your insurance policy needs.

Live Responsibly

Your spending habits can have a huge effect on what you pay for Home Insurance Honey Brook. Insurers consider those with poor credit to be high-risk clients since research has shown that there is a significant correlation between low credit scores and higher incidences of insurance claims. Consequently, maintaining good credit can go a long way in helping you save as much as thirty percent or more on your home insurance premium.

Boost Your Home’s Safety Features

Companies that provide Home Insurance Honey Brook also consider those who take steps to prevent theft and fire to be at a lower risk for filing a claim and may, in turn, reward them with lower insurance rates. For that reason, homeowners looking to save money may want to consider installing burglar and fire alarms in order to help create a more secure home environment. Depending on the system you install, you may end up saving as much as twenty percent on your policy.

Talk To An Independent Agent

Independent agents can be invaluable in your search for the perfect Home Insurance Honey Brook. Not only can they save you time by helping you compare quotes, but they may be able to alert you to possible premium discounts, some of which you may have never found out about on your own.

When it comes to Home Insurance Honey Brook, under-insuring your home in order to avoid paying high premiums is never a good idea and could lead to financial ruin in the event of an unexpected disaster. Instead, making a few simple adjustments in your life could hold the key to helping you find the best policy for your household that a rate that your family can actually afford.

Public Relations

Black Sea Oil Trade 2017: Ukrainian Vegoil Industry Needs A National Brand}





Creation of a national brand for Ukrainian sunoil was one of the central issues discussed at the V International Conference Black Sea Oil Trade-2017 a leading event of the Fat&Oil Industry of Ukraine and Black Sea countries, held in Kyiv on September 19, 2017. Organizer consulting agency UkrAgroConsult, General Sponsor – ING Bank. Black Sea Oil Trade Conference annually brings together key players of the global agricultural market at the start of the oilseed season. Over 200 delegates from 30 countries of the world registered to attend the event.

Opening the conference, Pieternel Boogaard, Head Food & Agri Europe, ING Bank NV (the Netherlands) noted that Ukraine has been showing substantial progress in the fat-and-oil sector over the recent years. Back a decade ago, no one could suppose that Ukraine would be on a par with, say, Argentina, which was the number one in the fat-and-oil economy then, and come close to a sunseed volume of 20 MMT a year, she said.

Volodymyr Pugachov, a representative of the Agrarian Policy and Food Ministry of Ukraine, also stressed that the oilseed sectors indicators are inspiring and pointed out that Ukraine is now the leader of the global sunoil market.


Almost all of the conference participants said that promotion of Ukrainian sunoil to international markets is extremely problematic without a national Ukrainian sunoil brand. The tone of the discussion was set by a speech by Sergey Feofilov, Director General, UkrAgroConsult Further prospects of the global sunoil market can be hardly imagined without shaping a special premium product segment, he emphasized.

According to the speakers statistics, over 180 MMT of vegoils were produced globally in the 2016/17 season. The speaker analyzed present-day situation in Ukraines fat-and-oil sector and noted that, despite current quite good performance (top position among the worlds sunoil exporters, sunseed margins at over 60% etc.), the industry is facing a number of problems, which can lead to substantial changes in the very near future.

Sergey Feofilov brought an example of sugar market, where Ukraine used to be on the top position. In 1990, the country was the worlds biggest producer of sugar and one of its 5largest exporters. However, due to competition with cheaper cane sugar, absence of state support and other factors, this position was almost entirely lost.

S.Feofilov is sure that the case of Ukrainian sugar market should be taken into account when analyzing Ukrainian sunoils prospects in foreign markets.

Firstly, sunoil pricing is influenced quite substantially by production of the cheapest vegoil, i.e. palm oil (its output will gain 20-25 MMT by 2025), while other vegoils prices tend towards the palm oil level. Secondly, Russia has been increasing sunoil production and exports over the recent years and successfully competes with Ukraine. So, the construction of a vegoil-handling terminal with an annual capacity of 1.5 MMT was started in Novorossiysk (plus operational handling facilities in Taman with an annual capacity of 1.2 MMT a year). Also, importantly is that Russian sunoil exports are on the rise since 2015 and will exceed 2 MMT in MY 2017/18. Russia steps up sunoil deliveries to China and India too.

The present-day Ukrainian fat-and-oil sectors strategy, aimed at increasing production, crushing and exports, does not pay off under such conditions, neither does monopolization of trade channels, S. Feofilov stressed. The sugar story may repeat, the analyst noted. In opinion of S. Feofilov, the above-mentioned situation can be responded by creation of a national brand for Ukrainian sun oil as a premium food product and its promotion to the global market by 2025.

Artem Hammerschmidt, Senior Analyst of OilWorld, Germany, drew the audiences attention to an interesting fact: global sunoil output has not changed over the last decade.

According to Hammerschmidt, sunoil currently accounts for 8% of the worlds vegoil production, which includes 17 vegetable oils and fats. This share is equal to that registered in the 1997/98 season.

When describing the sunseed production trends in the current 2017/18 season compared with 2016/17, A. Hammerschmidt pointed out that production increases are to be expected in Argentina (+0.5 MMT), Turkey (+0.2 MMT), China and Russia (+0.1 MMT each). Sunseed output in Ukraine and Canada are forecast to drop by 1.2 MMT and 0.4 MMT, respectively.


According to the analyst, the world market is now dominated by palm oil, which replaced soybean oil in the top position a decade ago.

Palm oil has come to the fore in the last ten years (31% of total vegoil production against 17% in the 1997/98 season). Simultaneously, soybean oil output has gained 2% and reached 25% of the worlds total (the second largest volume) against 23% a decade ago, when it was the leading vegoil.

When describing the global market of the 17 vegetable oils and fats, the speaker reported that the most powerful exporters include Indonesia, Malaysia, CIS countries, Argentina, Canada and Brazil. The top importers are South Asian countries (India, Bangladesh, Pakistan), the EU, China and the USA.

With regard to global production of the ten oilseeds, sunseed accounts for 9% of its total volume now (against 8% in the 1997/98 season) and is the worlds number three after soybeans (62% this season and 55% a decade ago) and rapeseed (11% and 12%, respectively).

A. Hammerschmidt added that India is expected to step up sunoil imports shortly due to a tax imposed on palm oil there.

Sunoil is to be positioned as a healthy food. It is in demand in India, said G. Chandrashekhar, a global agribusiness and commodities markets specialist, India. According to his statistics, vegoil consumption in the region grows from 23.7 MMT in MY 2016/17 to 25.1 MMT in MY 2017/18, imports will expand from 4.4 to 4.5 MMT. He says producers in these countries will encourage growers to raise yields.

Vegoil production will increase in the 2017/18 season against 2016/17 as follows: from 38.8 MMT to 41.0 MMT in Indonesia (including palm oil output growth from 34 MMT to 36 MMT) and from 21.2 MMT to 23.5 MMT in Malaysia (including palm oil from 18.9 MMT to 21 MMT).

At the same time, according to the analyst, great opportunities are offered to vegoil importers in Africa, where growth of populations and economies leads to higher consumption of the product. So, North Africa is expected to import 1.8 MMT of soybeans with own production at 0.7 MMT. The use of palm oil is on the rise in Sub-Saharan Africa: 4.8 MMT of imports with 2.7 MMT of own production.

India imports some 15 MMT of vegoils.

At the discussion panel Sunoil. National Brand as an Effective Trade Strategy, conference participants discussed prospects of creating and promoting a national sunoil brand as an effective trade strategy for Ukraine.

Julia Garkavenko, Oilseed Market Expert, UkrAgroConsult, noted that olive oil in the EU is regarded as a premium product, therefore its retail price is more than 2.5 times as high as that of sunoil: EUR 4.15/liter against EUR 1.48/liter, respectively. Still, the healthiness and useful properties of olive oil do not exceed those of sunoil by so many times. In many respects these products are identical or close to each other. Moreover, the content of some essential fatty acids and vitamin E is much higher in sunoil than in olive oil.

Also, the expert pointed out that refined sunoil (both bottled and bulk) accounts just for 7% of total sunoil exports from Ukraine.

Liliya Voytukh, deputy business director of Majola Trade House, drew the audiences attention to difficulties that will arise in the course of establishing a national sunoil brand. In particular, they will include a long process of trade mark registration, certification difficulties in the importing countries etc.

Elena Derevyanko, Vice-President of the Ukrainian PR League, emphasized that creation of a national sunoil brand will last long, but it needs to be done.

Denis Krasnikov, Vice-President of USPP, stressed that creation of an internationally recognized national brand requires good will of Ukraines authorities to carry out a set of measures for attracting foreign buyers to the country.

Summing up the panel, Director General of UkrAgroConsult, Sergey Feofilov, expressed satisfaction that discussion had been held within understanding of the commercial competition laws, rather than within production capacity analysis.


China holds its position as the largest soybean consumer. South Asian countries increase consumption, too. This was reported by Warren Patterson, ING Bank commodities strategist (the Netherlands).

According to the speaker, if the worlds soybean consumption totals some 350 MMT in MY 2017/18, over 100 MMT out of this volume will be used in China. In view of insufficient own production, the country will step up imports, W. Patterson noted.

This trend stems from expanding consumption of meat and dairy products in China. The speaker pointed out that capita meat consumption in the country has already reached almost 60 kg a year against less than 40 kg in 2000. Milk production is also on the rise: its annual volume has grown from 7 to 35 MMT over the last 17 years. Under such conditions, importance of soybeans for Chinese animal sector can hardly be overestimated.

It should be noted, that substantial growth of soy flour and bean imports is observed in South Asia (Indonesia, Malaysia, Philippines, Thailand and Vietnam): procurements exceeded 25 MMT in 2017 against some 8 MMT in 2000. The reason is the same: these countries experience changes in the diet of population driven by their GDP growth, which will be within 4-6% until 2021.

Similar trends are observed in India, too. Growth of both population and GDP pushes up demand for animal proteins and consequently for soybeans. Consumption of food soybean oil in India also increases dramatically, presently equaling 18 kg per capita per annum against its global level of 25 kg.

W. Patterson also touched upon Ukraine and its place in global production of soybeans. According to him, their output will exceed 4.5 MMT in MY 2017/18, but exports will slightly decrease against MY 2016/17 (roughly 3 MMT).

In addition, the speaker emphasized that the most competitive in the world market are soybeans, grown in Argentina (production cost below USD 250/MT). The second position is held by Brazil and the third belongs to the USA.

Non-GMO soybean production may bring up to $200 Ml of additional profits to Ukraine, said Dmitry Motuzko, Commercial director of AdamPolSoja (Ukraine).

According to him, the food industrys demand for non-GMO soybeans in the EU alone is 5 MMT a year. In addition, South-Eastern Asian countries also consume non-GMO soybeans.

D. Motuzko stressed that cultivation of non-GMO soybeans is a source of a substantial price premium. So, while FOB price for soybean meal equals $360/MT, non-GMO meal costs $430-450/MT. Prices for variety soybeans and organic soybeans stay within a range of $500-800/MT.

At the same time, the speaker pointed out that the worlds market of non-GMO soybeans is much smaller than that of usual soybeans. So, while this value for GMO-soybeans and meal approximates 100 MMT, the market volume of non-GMO products is 3-5 MMT and that of organic soybeans is at most 0.5 MMT. And non-GMO products are only purchased by the EU, occasionally by Japan and South-Eastern Asian countries. In addition, the speaker mentioned difficulties related to logistics of non-GMO soybeans.

It is important to use advantages of high-oleic sunoil when promoting it in the market as a premium product. This was discussed by Dmitry Neroda, Key Account Manager, Syngenta, Ukraine.

According to him, high-oleic sunoil contains no trans fats, has a longer shelf life, shows excellent stability without hydrogenation and is an all-purpose product for long frying (it can be used five times longer than usual oil), making sauces, dressings and pickles.

The speaker stressed that high-oleic sunoil exerts a beneficial influence on human health, reduces the risk of cancerous and cardiac diseases and contributes to the immune system.

D. Neroda added that high-oleic sunoil can be used both in its pure form and as blends with other vegoils (Isio-4 in France), fish oil (Cargills IngreVita in the USA), palm oil and olein.

Also, the speaker pointed out a downward trend in high-oleic sunflower plantings in 2016 and 2017 against 2015.

Sunseed by-products are an alternative source of feedstock for the energy sector. This subject was covered by Aleksey Danshin and Igor Syzko, the leaders of the BIO-TPP sunflower husks, chips, straw projects (KMZP, Ukraine).

According to them, the oil extraction plant can provide a TPP (thermal power plant) with fuels from biomass (sunflower husks and granules) throughout the year.

The speaker mentioned the following advantages of this biofuel: guaranteed purchase of the generated electrical power at a green tariff until January 01, 2030; a fixed selling price of the thermal energy at 90% of the gas tariff; energy self-sufficiency; predictable use of fuels throughout the year etc.

In addition, the speakers described the operational technology of the BIO TPP.

They reported that in 2016-17 their plant put into operation biofuel boilers with a combined capacity of some 90 MW.

Summing up the conference, Sergey Feofilov was laconic: the potential of the National Brand of Ukrainian Sunoil project is high. While a bottle of this product costs UAH 32 in the Metro supermarkets in Kyiv, its price in a similar supermarket in Berlin is as high as UAH 47 (in currency equivalent). The managers only have to come and earn this margin.


Consulting agency “UkrAgroConsult” – an independent company, founded in 1994, which provides accurate timely information on agricultural market of Ukraine and Black Sea region countries. UkrAgroConsult offers a wide range of services, including market studies, business analysis and investment consulting of the following agri markets: grains and derived products, oilseeds and derived products, meat, milk, sugar, and inputs market (seeds, fertilizers, pesticides, agricultural technology and machines), elevator equipment, logistics.”UkrAgroConsult” is the organizer of the following annual international conferences: “Black Sea Grain”, “Black Sea Oil Trade”, as well as other events that contribute to the development of the agrarian sector of U

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Public Relations

Knowing The Myths About Contracting Blood Borne Pathogens

By Greg Garner

Microorganisms that live in the bloodstream of humans are called blood borne pathogens. They are a major cause of various types of illness and disease in humans. They can be transmitted through exposure to contaminated blood. If even the smallest amount of blood contaminated with blood borne pathogens enters your bloodstream, you can contract whatever disease is in that blood. In fact, contamination through the blood is almost a guarantee, depending on the disease. Some of these pathogens can be contracted in other ways, without blood-to-blood transference. Some examples of blood transference include a blood transfusion, blood spatter contacting the eyes, mouth, or mucus membranes in the nose, or allowing contaminated blood to come into contact with your skin where there is a break or cut in the skin.

The Many Ways Of Contracting BBP

There are many ways that blood pathogens can be transmitted from person to person. Blood pathogens can exist on needles, razors, a non-sterilized scalpel, or even broken glass or jagged edged rocks. If you come into contact with any of the objects that have been contaminated with blood borne pathogens, seek emergency medical assistance immediately. If you have an open cut or abrasion that comes into contact with any blood or even other common bodily fluids like sperm or mucus, you can contract a blood borne disease. Sexual relations is one of the most common ways to transmit disease.


The Many Myths Of Contracting BBP

There are just as many myths about how you can contract a blood borne pathogen, as there are ways to contract one. A good for instance of this is the pool scare of the early 1990s as all across the world, public pools were shut down when a news report raised the question of whether AIDS could be contracted from swimming in the same swimming pool as a person with HIV. HIV is a very weak disease as far as infection goes. For instance, the HIV virus is not found in urine. However, Hepatitis is very infectious. If a swimming pool is not treated with chlorine and other chemicals that all pools are supposed to be treated with, the chance of contracting a blood borne pathogen exists. All public pools are supposed to be treated with these chemicals. This is especially true of state or local government controlled pools.

Variations Of Blood Borne Pathogens

Some blood borne pathogens are more infectious than others are. You cannot contract AIDS or Hepatitis from a mosquito bite but you can contract other blood borne pathogens, such as malaria. You cannot contract a blood borne pathogen by sitting on a toilet seat that a carrier of a blood borne pathogen has used. Blood borne pathogens are not airborne so they cannot be contracted from sneezing or coughing. You cannot contract a blood borne pathogen from just touching someone unless you have an open wound and you touch their blood.

Common Sense And Blood Borne Pathogens

There are many diseases that are considered blood borne pathogens and more are being discovered every year. As the list of these diseases continues to grow, the need for public awareness becomes more important. Everyone should know how to protect them selves from blood contamination but there is no substitute for common sense. If you know someone who has a blood borne pathogen, do not be afraid. Take every precaution to avoid contact with anything that could have blood contamination.

About the Author: For more information please visit our Bloodborne Pathogen Training website.


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Public Relations

Chinas Growth Helpful Factor In Global Recovery, World Coordination Crucial

By Himfr Mary

China’s economic growth is not only important to itself, but also a driving force of recovery in the Asia Pacific region and other areas, while coordination across regions is crucial for a sustainable global recovery, Anoop Singh, director of the Asia and Pacific Department of the International Monetary Fund (IMF), said on Saturday.

“China carries out an important fiscal and monetary stimulus package, which helped raise China’s demand of imports, commodities, capital goods and other goods, and China is a very helpful factor in global recovery,” Singh said at an exclusive interview with Xinhua during the ongoing Annual Meetings of the IMF and World Bank.

He noted that the downside risks of the global economy remained high, but China and other Asian economies are leading the global growth, adding that “we do feel that Asian countries have new instruments to deal with any new downturn risk.”

He contended that the possibility of a global “double-dip recession” is slim, but some risks still remain high and even on the increase, especially in some advanced economies.


“If countries collaborate with each other, there are great benefits for the global economy, in terms of recovery, gross domestic product (GDP) growth and employment creation,” he added.

When commenting on the currency issue, he pointed out that “we are going through a difficult time globally, but it is very important to have policy coordination,” adding that the IMF will continue to play a constructive role in policy cooperation across regions.

High-ranking officials from the financial sector and experts from around the world are attending the Annual Meetings of the IMF and World Bank opening here on Friday, discussing solutions to promote sustainable world economic recovery and global financial stability.

Growth in the advanced economies is expected to expand by 2.7 percent this year, and by 2.2 percent in 2011, following a decline in output of 3.2 percent in 2009. Growth in emerging and developing economies is projected to be over 7.1 percent this year and 6.4 percent in 2011, following a modest 2.5-percent gain in 2009, the IMF predicted in its latest World Economic Outlook report released earlier this week.

“China carries out an important fiscal and monetary stimulus package, which helped raise China’s demand of imports, commodities, capital goods and other goods, and China is a very helpful factor in global recovery,” Singh said at an exclusive interview with Xinhua during the ongoing Annual Meetings of the IMF and World Bank.

He noted that the downside risks of the global economy remained high, but China and other Asian economies are leading the global growth, adding that “we do feel that Asian countries have new instruments to deal with any new downturn risk.”

He contended that the possibility of a global “double-dip recession” is slim, but some risks still remain high and even on the increase, especially in some advanced economies.

The world economy, led by emerging markets and developing countries, is forecast to grow by 4.8 percent in 2010 before falling back to 4.2 percent next year, according to the report.

About the Author: I am Himfr Mary, and my work is to promote a free online trade platform. contain a great deal of information about

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Public Relations

Debt Recovery Its Meaning And Significance

By Raina Sabharwal

A debt settlement or debt recovery, usually takes place when a debtor is unable to pay the debt and the attempts of the creditor to take back his money have failed. This process where the creditor cancels a part of the debt and agrees to accept the remaining is also called debt negotiation. There is some difference between debt settlement and debt negotiation. The settlement is an agreement and the negotiation is the process employed for the same. The consumers either approach a debt settlement company or approach their own creditors before this. They also take debt counseling conducted by experts in which they negotiate with the creditors to settle the debt for a lower amount than owed, as the debtor saves their money for a lump-sum settlement payment. In this process the debtor receives a letter from the creditor stating that the debt obligation is fulfilled.

Debt settlement programs are also provided by third party debt resolution firms who coordinate the payment plans, and then collaborate on behalf of the consumers. These programs lower the monthly payment contributions to a minimum and get consumers debt free in a short span of time.

There are various types of debts that are eligible for debt settlement. Usually, only unsecured debts like the credit cards and medical claims can be fixed for payment. Home and car loans which are secured debts cannot be settled for payment because the creditor can recover the items bought with the credit issued to the borrower. If the debtor chooses to enter in a debt settlement program, then some companies accept smaller debt loans. The debtor’s primary motivation for the enrollment in such a program is to pay off the debts according to the debtor’s financial capability. On the other hand the motivation of the creditor is to get back his funds, which would be impossible if the debtor filed for bankruptcy. In this the creditor usually gets more funds as compared to the normal process.

The process of debt recovery is a very demanding task for the debtor because agencies are repeatedly contacting them to accumulate money owed on bills, loans and other balances. In this the collector may choose to pursue the funds through phone, mail, fax, in person or telegram.

Reputable agencies employ numerous resources for tracing debtors. They have an access to many public databases which help to trace the debtor’s recent activities. They hire professionals who investigate into the affairs of the debtor.


There are basically five main objections for debt settlement. They are as follows:

Damages credit

The method of negotiating and reaching debt settlements with creditors requires the debtor to set aside money into a settlement fund from which settlements are paid. Due to the debtor’s financial hardship, the debtor is unable to make minimum payments towards credit card debts while saving up and setting aside money to payoff settlements.

Increased collection calls

The failure to continue the planned debt repayment results in increased debt collection activities that cause the debtor undue stress.

Possibility of lawsuits

The fright of lawsuits is also an objection to debt settlement.

Tax consequences

Another common objection to debt settlement is that debtors whose debts are partially canceled outside the bankruptcy system will need to report the canceled portion of the debt as taxable income.

Debt settlement trade associations are also being set up to promote the state governments as many state legislatures are passing laws that restrict out-of-state companies from providing debt negotiation services to in-state residents. Two examples of these associations working at the global level are the United States Organization for Bankruptcy Alternatives (USOBA) and The Association of Settlement Companies (TASC).

About the Author: Research Counsel, Mindsprings Solutions (India) Pvt. Ltd. is a legal process outsourcing company providing legal assistance lawyers, law firms and similar organisations.


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Jn0 1330 Pdf Download Exam}

Submitted by: Jennifer Cheek

Question: 1

Which security solution protects against zero-day attacks?

A. DDoS protection

B. advanced anti-malware

C. content filtering

D. Application Layer Gateways

Answer: B

Question: 2

Which three statements about Sky Advanced Threat Prevention are true? (Choose three.)

A. Dynamic analysis involves unique deception techniques.

B. Machine-learning algorithms are enabled to adapt to and identify new malware.

C. Rapid cache lookups are used to quickly identify known files.

D. Files are flagged for next-day analysis for certain malware types.

E. It uses a single, best-in-class antivirus engine.

Answer: A, B, C

Question: 3

Your client modifies an event script and needs to update 100 SRX Series devices with this new script. They want to use the refresh-from parameter to refresh the script from a centralized location.


In this scenario, which three protocols would you use to accomplish this task? (Choose three.)






Answer: A, B, D

Question: 4

You are asked to implement a new application to share documents with trusted external organizations while minimizing the risk of an attack that would enable access to other enterprise systems.

In this scenario, which two locations would you recommend to deploy the application? (Choose two)

A. public cloud

B. management VLAN

C. enterprise LAN

D. enterprise DMZ

Answer: A, D

Question: 5

You are designing a WAN solution for a small service provider. The service their customers.

Which two solutions should you include in your proposal? (Choose two.)

A. BGP flowspec

B. remote triggered back hole

C. intrusion prevent en system

D. unified threat management

Answer: A, B

Question: 6

Your customer is purchasing another company. They must establish communication between the two corporate networks, which use an overlapping IPv4 address space. The customer knows they must deploy some of Network Address Translation (NAT).

A. destination

B. source

C. persistent

D. static

Answer: D

Question: 7

Which component of the Juniper NFV solution architecture acts as the VNF manager?

A. Meta Fabric

B. Service Control Gateway

C. Contrail


Answer: C

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Stress Is Killing You! Its Time For A Change

By Daniel Lee

Stress is found everywhere. Life for people in the modern age is increasingly stressful. Unemployment, gas prices, children, long hours at workthe list goes on and on and on.

Most of us know we are stressed and maybe you do a pretty good job of keeping it under control most of the time. No matter how calm you may appear, simply hiding your stress is not really helping you.

A study published in 2007 by the Semel Institute for Neuroscience, University of California about the relation between psychological stress and immune-related diseases found that elevated stress levels will make you very sick and could eventually kill you.

There are two types of stress that affect your life. Long-term stress is the type of stress that you endure on a daily basis. All of the things that come up in life contribute to your long-term stress. Acute stress is caused by more specific events. Marital strife, public speaking, and accidents all cause acute stress. It has been believed for decades that acute stress didnt really affect us as much as long-term stress. However, in the 2007 study it was discovered that both long-term and acute stress have profound and lasting effects on your immune system and disease.


Chronic stress has been found to cause systemic coronary inflammation. People who have low levels of stress and depression also have a low risk of major cardiac events. Those who have higher stress and depression have significantly higher risk of a major cardiac event. Taking care of the cardiovascular system should be priority #1 for each and every person but sadly it is not. You are more likely to die from cardiovascular disease than any other cause.

Stress can be a significant cause in many types of illness. People who are chronically stressed are much more likely to have heart attacks and strokes. Stressed people have more cancer and other conditions like high blood pressure and severe arthritis.

Stress is one of the main ways to make sure you dont live as long as you should. Controlling the stress in your life should be a high priority if you are on a quest to live a long and healthy life.

So, what are some ways to control the stress? Here are a few tips that help me and Im sure they can help you.

Tips to beat stress:

1.Slow Down: This is quite possibly my favorite. People who know me know that I am a rather slow person. I am also a very low stress person. It wasnt always this way. I learned long ago that I am in complete control of my life and the pace at which I live it. Ask anyone, I eat slow. I drive slow. I talk slow. I make decisions slow. Whats the rush anyway? Why stuff your face so quickly? Why drive so fast and get angry and waste gas? Is it really worth saving two minutes? Dont jump from of thing to another at lightning speed. Very few choices must be made right now. Take your time. Live a little. Dont be so uptight all the time. This one tip will amaze you if you can teach yourself the habit of slowing down.

2.Evaluate and Prioritize: Take time now and then to evaluate what is causing you the most stress. What are the top three reasons you are stressed? Eliminate them. Period. Its not worth wasting your life full of stress and unhappiness. Do you hate your job? Think about the things in your job causing the most stress then start looking for one that doesnt include those negative points. Are you in the career you have always really wanted? Why not? Change it! I know that sounds scary but sometimes you just have to get some courage and go for it. Start going to school and prepare yourself for your real career and start living your real life. Never let any career, relationships or debts hold you down. Simplify. Start selling all your stuff. Get rid of the debt. Learn a new trade. Free up your life!

3.Take time to relax: Everyday just take some time for yourself. Forget the house. Forget the bills and the kids. Forget the boss. How is your life going? Are you getting where you want to be? What are some things you want to do this week? This month? This year? Before you die? Life is not about running the rat race. Life is about living and experiencing. Life is about envisioning what you want and then taking it. Sometimes it seems easier to ignore all these issues. But you cant ignore them. They sit in the back of your mind. Eating away at you like a cancer.

Twenty years from now you will be more disappointed by the things that you didnt do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover. – Mark Twain

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Federal Arrest Records Should You Do Background Arrest Records Check?

By Jason Bauder

Federal Arrest: Criminal Arrest Records and Background Checks!

Is It Necessary To Go To Trial? Your case should always be prepared “AS IF” it indeed will be necessary to go to trial. Criminal records can be obtained for inspection in various ways depending upon the specific jurisdiction. But in more cases than not, the criminal defense lawyer has to match the vast resources of the state with little or no resources of his own. Legal action in such cases can be complicated and sometimes unjust.

Sometimes the penal code violations and disposition may not be listed in the online records for the purpose of providing privacy and protection to the witnesses involved. Access to public criminal Federal Arrest records is a powerful way to protect your business and family and free access to public criminal records online is becoming more and more accessible. Below is an excellent website to check out while doing your free online searches for criminal Federal Arrest records.


You might have failed to understand what to do when you are arrested for DUI. The wise decision is to hire a knowledgeable and aggressive DUI attorney. If there any errors in the Federal Arrest records- they will have a highly negative consequence on the reputation of the individuals and that is why we cannot generalize a person based solely on his or her Federal Arrest record. Your lawyer’s past criminal representations should include investigating and defending both State and Federal violations in the area of concern to you.

Many Federal Arrest records include crimes relating to drugs; immigration; fraud; and weapons charges. People access arrest records to find out if someone has the propensity for violating the law. More on arrest records at

inconvenience and humiliation of the experience. If your attorney has been tracking you through the system then he or she will know when to start traveling to the arraignment court to appear for you so you do not have to wait longer. Who Accesses Criminal Records? State criminal records include abbreviated conviction and arrest information from most county and state government agencies. A copy of your criminal Federal Arrest record may be requested by your potential employer; a future landlord; an educational institution you are seeking admission in or even by police authorities.

About the Author: Find 100% Accurate Arrest Records Here!


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California Lemon Law Statutes

California Lemon Law CIVIL CODE

SECTION 1790-1790.4 1790. This chapter may be cited as the “Song-Beverly Consumer Warranty Act.” California Lemon Law CIVIL CODE SECTION 1791-1791.3California Lemon Law 1791. As used in this chapter:

  • “Consumer goods” means any new product or part thereof that is used, bought, or leased for use primarily for personal, family, or household purposes, except for clothing and consumables. “Consumer goods” shall include new and used assistive devices sold at retail.
  • “Lessor” means a person who regularly leases consumer goods under a lease.
  • “Manufacturer” means any individual, partnership, corporation, association, or other legal relationship that manufactures, assembles, or produces consumer goods.
  • “Place of business” means, for the purposes of any retail seller that sells consumer goods by catalog or mail order, the distribution point for consumer goods.
  • “Retail seller,” “seller,” or “retailer” means any individual, partnership, corporation, association, or other legal relationship that engages in the business of selling or leasing consumer goods to retail buyers.

California Lemon Law 1791.2.

  • “Express warranty” means: A written statement arising out of a sale to the consumer of a consumer good pursuant to which the manufacturer, distributor, or retailer undertakes to preserve or maintain the utility or performance of the consumer good or provide compensation if there is a failure in utility or performance; or
  • Statements or representations such as expressions of general policy concerning customer satisfaction which are not subject to any limitation do not create an express warranty.

1791.3. As used in this chapter, a sale “as is” or “with all faults” means that the manufacturer, distributor, and retailer disclaim all implied warranties that would otherwise attach to the sale of consumer goods under the provisions of this chapter.

California Lemon Law CIVIL CODE

SECTION 1792-1795.8

California Lemon Law 1792. Unless disclaimed in the manner prescribed by this chapter, every sale of consumer goods that are sold at retail in this state shall be accompanied by the manufacturer’s and the retail seller’s implied warranty that the goods are merchantable. The retail seller shall have a right of indemnity against the manufacturer in the amount of any liability under this section.

California Lemon Law 1792.1. Every sale of consumer goods that are sold at retail in this state by a manufacturer who has reason to know at the time of the retail sale that the goods are required for a particular purpose and that the buyer is relying on the manufacturer’s skill or judgment to select or furnish suitable goods shall be accompanied by such manufacturer’s implied warranty of fitness.

California Lemon Law 1792.2.

Every sale of consumer goods that are sold at retail in this state by a retailer or distributor who has reason to know at the time of the retail sale that the goods are required for a particular purpose, and that the buyer is relying on the retailer’s or distributor’s skill or judgment to select or furnish suitable goods shall be accompanied by such retailer’s or distributor’s implied warranty that the goods are fit for that purpose.

    California Lemon Law 1792.4.


    No sale of goods, governed by the provisions of this chapter, on an “as is” or “with all faults” basis, shall be effective to disclaim the implied warranty of merchantability or, where applicable, the implied warranty of fitness, unless a conspicuous writing is attached to the goods which clearly informs the buyer, prior to the sale, in simple and concise language of each of the following:

    The goods are being sold on an “as is” or “with all faults” basis.

      California Lemon Law 1793.

      Except as provided in Section 1793.02, nothing in this chapter shall affect the right of the manufacturer, distributor, or retailer to make express warranties with respect to consumer goods. However, a manufacturer, distributor, or retailer, in transacting a sale in which express warranties are given, may not limit, modify, or disclaim the Implied warranties guaranteed by this chapter to the sale of consumer goods.

      California Lemon Law 1793.02.

      All new and used assistive devices sold at retail in this state shall be accompanied by the retail seller’s written warranty which shall contain the following language: “This assistive device is warranted to be specifically fit for the particular needs of you, the buyer. If the device is not specifically fit for your particular needs, it may be returned to the seller within 30 days of the date of actual receipt by you or completion of fitting by the seller, whichever occurs later. If you return the device, the seller will either adjust or replace the device or promptly refund the total amount paid. This warranty does not affect the protections and remedies you have under other laws.” In lieu of the words “30 days” the retail seller may specify any longer period.

        California Lemon Law 1793.025.

        All new and used wheelchairs, including, but not limited to, wheelchairs that are motorized or have been otherwise customized to suit the needs of the user, shall be accompanied by the manufacturer’s or lessor’s written express warranty that the wheelchair is free of defects. The duration of the warranty shall be for a period of at least one year from the date of the first delivery of a new wheelchair to the consumer, or at least 60 days from the date of the first delivery of a used, refurbished, or reconditioned wheelchair to the consumer. If the written express warranty is not furnished to the consumer, the wheelchair nonetheless shall be deemed to be covered by the express warranty. This section shall not apply to wheelchairs manufactured specifically for athletic, competitive, or off-road use.

        Every manufacturer making an express warranty with respect to an electronic or appliance product described in subdivision (h), (i), (j), or (k) of Section 9801 of the Business and Professions Code, with a wholesale price to the retailer of one hundred dollars ($100) or more, shall make available to service and repair facilities sufficient service literature and functional parts to effect the repair of a product for at least seven years after the date a product model or type was manufactured, regardless of whether the seven-year period exceeds the warranty period for the product

          California Lemon Law 1793.05. Vehicle manufacturers who alter new vehicles into house cars shall, in addition to any new product warranty, assume any warranty responsibility of the original vehicle manufacturer for any and all components of the finished product which are, by virtue of any act of the alterer, no longer covered by the warranty issued by the original vehicle manufacturer.

          California Lemon Law 1793.1.

          • Every manufacturer, distributor, or retailer making express warranties with respect to consumer goods shall fully set forth those warranties in simple and readily understood language, which shall clearly identify the party making the express warranties, and which shall conform to the federal standards for disclosure of warranty terms and conditions set forth in the federal Magnuson-Moss Warranty-Federal Trade Commission Improvement Act (15 U.S.C. Sec.2301 et seq.), and in the regulations of the Federal Trade Commission adopted pursuant to the provisions of that act. If the manufacturer, distributor, or retailer provides a warranty or product registration card or form, or an electronic online warranty or product registration form, to be completed and returned by the consumer, the card or form shall contain statements, each displayed in a clear and conspicuous manner, that do all of the following:
          • Informs the consumer that the card or form is for product registration.
          • Informs the consumer that failure to complete and return the card or form does not diminish his or her warranty rights.

          California Lemon Law 1793.2.

          • Every manufacturer of consumer goods sold in this state and for which the manufacturer has made an express warranty shall:
          • Maintain in this state sufficient service and repair facilities reasonably close to all areas where its consumer goods are sold to carry out the terms of those warranties or designate and authorize in this state as service and repair facilities independent repair or service facilities reasonably close to all areas where its consumer goods are sold to carry out the terms of the warranties.
          • A claim against a person or entity that is not the manufacturer that originally made the express warranty for that manufactured product.

          California Lemon Law 1793.22.

          • This section shall be known and may be cited as the Tanner Consumer Protection Act.
          • For the purposes of subdivision (d) of Section 1793.2 and this section, the following terms have the following meanings:
          • “Nonconformity” means a nonconformity which substantially impairs the use, value, or safety of the new motor vehicle to the buyer or lessee.

          California Lemon Law 1793.23.

          • The Legislature finds and declares all of the following:
          • That the expansion of state warranty laws covering new and used cars has given important and valuable protection to consumers.

          One of the most important parts of the Magnuson-Moss Warranty Act is its fee shifting provision. This provision provides that you may recover the attorney fees incurred in the prosecution of your case if you are successful ? independent of how much you actually win. That rational behind this fee shifting provision is to twofold: (1) to ensure you will be able to vindicate your rights without having to expend large sums on attorney’s fees and (2) because automobile manufacturers are able to write off all expenses of defense as a legitimate business expense, whereas you, the average consumer, obviously does not have that kind of economic staying power. Most of the Lemon Laws contain similar fee shifting provisions.

          You may also derive additional warranty rights from the Uniform Commercial Code; however, the Code does not allow you in most states to recover your attorney fees and is also not as consumer friendly as the Magnuson-Moss Warranty Act or the various state lemon laws. The narrative information on Magnuson-Moss, UCC and lemon laws on these pages is provided by Marshall Meyers, attorney.

          Uniform Commercial Code Summary

          The Uniform Commercial Code or UCC has been enacted in all 50 states and some of the territories of the United States. It is the primary source of law in all contracts dealing with the sale of products. The TARR refers to Tender, Acceptance, Rejection, Revocation and applies to different aspects of the consumer’s “relationship” with the purchased goods.

          TENDER – The tender provisions of the Uniform Commercial Code contained in Section2-601 provide that the buyer is entitled to reject any goods that fail in any respect to conform to the contract. Unfortunately, new cars are often technically complex and their innermost workings are beyond the understanding of the average new car buyer. The buyer, therefore, does not know whether the goods are then conforming.

          ACCEPTANCE – The new car buyer accepts the goods believing and expecting that the manufacturer will repair any problem he has with the goods under the warranty.

          REJECTION –

          The new car buyer may discover a problem with the vehicle within the first few miles of his purchase. This would allow the new car buyer to reject the goods. If the new car buyer discovers a defect in the car within a reasonable time to inspect the vehicle, he may reject the vehicle. This period is not defined. On the one hand, the buyer must be given a reasonable time to inspect and that reasonable time to inspect will be held as an acceptance of the vehicle. The Courts will decide this reasonable time to inspect based on the knowledge and experience of the buyer, the difficulty in discovering the defect, and the opportunity to discover the defect.The following is an example of a case of rejection: Mr. Zabriskie purchase a new 1966 Chevrolet Biscayne. After picking up the car on Friday evening, while en route to his home 2.5 miles away, and within 7/10ths of a mile from the dealership, the car stalled and stalled again within 15 feet. Thereafter, the car would only drive in low gear. The buyer rejected the vehicle and stopped payment on his check. The dealer contended that the buyer could not reject the car because he had driven it around the block and that was his reasonable opportunity to inspect. The New Jersey Court said;

          It is suggested that Courts will tend to excuse use by consumers if possible.


          What happens when the consumer has used the new car for a lengthy period of time? This is the typical lemon car case. The UCC provides that a buyer may revoke his acceptance of goods whose non-conformity substantially impairs the value of the goods to him when he has accepted the goods without discovery of a non-conformity because it was difficult to discover or if he was assured that non-conformities would be repaired. Of course, the average new car buyer does not learn of the nonconformity until hundreds of thousands of miles later. And because quality is job one, and manufacturers are competing on the basis of their warranties, the consumer always is assured that any noncomformities he does discover will be remedied. What is a noncomformity substantially impairing the value of the vehicle?

          A noncomformity may include a number of relatively minor defects whose cumulative total adds up to a substantial impairment. This is the “Shake Faith” Doctrine first stated in the Zabrisikie case. “For a majority of people the purchase of a new car is a major investment, rationalized by the peace of mind that flows from its dependability and safety. Once their faith is shaken, the vehicle loses not only its real value in their eyes, but becomes an instrument whose integrity is substantially impaired and whose operation is fraught with apprehension”.

          Additional narrative information on Magnusson-Moss, UCC and lemon laws on these pages is provided by T. Michael Flinn, attorney.

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          This article is originally published here: California Lemon Law Statutes California lemon law attorneys at Krohn & Moss, Ltd, handle California lemon law claims for consumers in California. We stay informed of the latest legal developments to get the best results for your claim. Author: Walker Ozar