Some Laws To Protect Your Automobile

People tend to face numerous issues with respect to their automobiles. Some of the most common problems that people face are:

  • Buying a defective car and getting refused a refund, fixing and replacement by the manufacturer.
  • After completing a final loan contract, you are asked to sign a new contract with higher down payment.
  • You are trapped with deceptive advertisements and you have been sold a more expensive car.
  • Dealer conceals optional add-ons and undervalues the trade-in during fixing of the deals.
  • Your car is repossessed without your consent by the creditor.

Know Your Rights

There are different laws that save the consumers from auto fraud. Here is a list of various laws and their scheme of protection.

Magnuson-Moss Warranty Act

This law is utilised when a contractor, warrantor or supplier denies complying with a service contract, written warranty or implied warranty.

State Repossession Laws

These laws state that:

  • Your car cannot be removed from a locked garage by the car repossession company without your consent.
  • You can put your car up in auction or you can pay the full money in order to buy back the car.
  • On paying repossession costs or reinstating your loan, you can get your car back in some states.
  • Your car must not be sold below market value.
  • You should be informed whether the creditor will put the car up for auction or not.

State Lemon Laws

Those cars are dealt by lemon laws that have been repaired many times for the same defect. Different states have different lemon laws.

  • Your car should be replaced or refunded by the manufacturer for a substantial defect after four tries.
  • Your car should be refunded or replaced for a safety defect after two tries.

Truth in Lending Act (TILA)

According to TILA, interest rates and other information regarding the loan should be disclosed by the lenders before processing a loan. You can get the best auto financing rate with the help of TILA.

Unfair, Deceptive, or Abusive Acts or Practices (UDAP)

You are protected by UDAP from deceptive, unfair and false acts including the false advertisements.

Contacting an Attorney

You should know about the following, if you want to contact an attorney.

Repair Record

Keep record of the timing of the car when it is out for service and keep track of the repair attempts. Every time you repair the car, do not forget to submit a dated and written list of problems to your dealer.

Notice Required

Before entitling to a replacement or refund, you must go through the notice requirement of your state.

Your Refund or Replacement

Ask the manufacturer for a replacement or refund only after confirming that your car is qualified as a lemon. You may have to go through arbitration if a valid arbitration program is incorporated into your written warranty, in order to get your replacement or refund.

Personal Loan and Its Different Advantages

A personal loan is an unsecured loan which is offered to a consumer for catering their various personal needs such as the renovation of a house, marriage, home appliances, buy vehicle amid others. This is offered after verifying one’s ability of paying especially the income source and also according to their credit history. A nominal processing fee will be charged and the sum as per a person’s paying ability will get credited to their account. In fact the loan payment is made via fixed installments which also includes interest and for fixed time periods. The icing on the cake is these days personal loans are a smart choice as one do not require going through a lot of formalities and tedious paperwork. Most of the financial institutions and banks offer personal loans today and the rate of interest is also quite reasonable.

Discover the different benefits

• Available easily- to get a personal loan is no longer a challenging affair. It is offered by almost all financial institutions and banks at a reasonable rate of interest. Compared to other loans it is convenient and easy to get

• No middleman or agent involved- for availing a personal loan one will not require taking the help of an agent or a middleman. This will avoid unnecessary expenses and delays. A person can approach the financial institution or bank for the purpose directly

• Unsecured loan- this is indeed an unsecured loan. Here no collateral security is needed for availing the loan. In fact, all that is needed is one’s ability of paying back the money.

• Less processing time- because it is accessible devoid of any guarantee or security the processing time needed to get this is naturally less compared to other loans

• All purpose loans- in this form of loan it is not compulsory for a person in specifying the reason for which they will be using the money.

• Minimum paperwork- to get a loan will not need any asset verification or other forms of certificates and proofs which include ample paperwork as none of one’s property is mortgaged

• Offers and schemes- different financial institutions and banks keep announcing offers and special schemes on personal loans, especially for the professionals such as architects, doctors, chartered accountants and the like

• Amount and tenure- these loans generally are provided varying from Rs 15000 to Rs 20 lakhs differing from one bank to another. The repayment can be made through EMIs

The bottom line is, rather than borrowing money from a credit card it is always better to choose a personal loan as the rate of interest is comparatively lower. So reap its utmost benefits.

Your Business Need A Sales Funnel

It may sound obvious but often a business will forget the fact that the only way to make money is to get customers to buy. And the best way to get customers to buy is to have am effective sales funnel.

A sales funnel is set of steps where you guide a prospect through a series of communications that results in them buying from you.

But what happens after that first sale is made? Existing customers are the people who are most likely to buy from you again.

How Does A Sales Funnel Work?

At the top of the funnel, you offer something for free in return for getting a prospect’s contact information. This could be a report, checklist, video or eBook. Then you begin marketing, following up with emails and other communications to attempt to make a sale.

Throughout your sales funnel process, you should have several offers that complement each other. For instance, before you buy a car, you take it for a free test drive. If you like the car and buy it, the salesman doesn’t just hand you the keys and then vanish. You’re offered extended auto warranties, enhancements like upholstery and wheel options.

After a couple of months the salesperson will contact you to see if you’re happy with your new car, and let you know about a discount or sale going on.In the future, you’ll be contacted with opportunities to trade in your vehicle and the sales process goes on and on.

How Many Levels In The Sales Funnel Process?

As you can see from the example above, there can be many different levels in a sales funnel. A one level funnel is where after a customer buys from you, you move onto the next prospect.

But this a critical error.

It costs 6 to 7 times more to get a new customer than keep an existing one. It makes sense to market to someone who has already purchased one of your products, rather than try to convince new people to buy your services. An existing customer already knows you and your business. If they have received excellent value from you once, they’ll be more prepared to spend money with you again, rather than somebody who has never heard of you.

There is no “ideal number” of sales funnel levels. Each business, product and service is different. Just make sure you are continuously providing your prospects and customers opportunities to improve their lives or solve their problems with future purchases from you.

Mistakes In Choosing Posts For Letterboxes

Post mounted letterboxes are still popular these days since it is more visible than other types of mailboxes such as brick in, fence mounted as well as wall mounted ones. Not to mention, these boxes can easily improve the looks for your front yard. However, in order to obtain these features, you need to make sure that you partner this letterbox with the right post. Unfortunately, some homeowners neglect this, which can affect the safety and appeal of post mounted mailboxes. To help you, below are some of the most common mistakes in choosing posts for letterboxes.

Failing to consider mailbox designs

One of the main mistakes that homeowners make when buying mailbox posts is they fail to consider the design of their boxes. As mentioned above, there are numerous mailbox styles. But, there are also a wide selection of posts to choose from. Because of this, there are cases when individuals forget about their mailboxes when choosing a post. As a result, combinations can be odd. Or perhaps, mailboxes are too stylish than its posts making it unsightly.

Neglecting post composition

The next mistakes that individuals make when choosing posts for their mailboxes is they neglect post composition. Some individuals think that mailbox posts are all the same. However, there are numerous factors that differ posts from each other. For instance, when it comes to composition, individuals may find wood, steel and even composite posts. Each post provide certain features that can accommodate the need of homeowners. Sadly, this factor is neglected which can affect the looks and reliability of letterboxes. Not to mention, harsh weather conditions as well as vandalism can easily damage mailboxes due to inappropriate posts.

Not checking mounting options

Another mistake that homeowners make when choosing posts for their letterboxes is they do not check mounting options. As of now, homeowners can install mailboxes on posts in numerous ways. Sadly, when this factor is neglected, you are unable to install the mailbox properly. Not to mention, safety can also be compromised. So, it is best to ask letterbox providers if what posts are suitable for the box they purchased to make easier decisions.

Forgetting about installation processes

Finally, some homeowners also forget to ask about post installations. Just like mounting, there are different ways to install posts. Therefore, you need to check which process will meet your needs. Apart from that, you also need to make sure that you have the right tools when installing posts to ensure reliability.

These are only some of the mistakes that homeowners need to consider when searching for letterbox posts.

Jean Grey Costumes

Marvel and comic books like DC comic have given rise to superheroes and superheroines. X-Men series, for example, has seen many superheroes and superheroines, and one such character is Jean Grey. The outstanding feature with these superheroes is that they each have a signature dress code or outfit that is specific to them and their style. This, therefore, helps fans associate and even takes part in dressing like their favorite superhero for various reasons, like superhero costume play parties and such.

Jean Grey different Cosplay costumes.

The character has gone through some changes throughout the X men series regarding both the supernatural capabilities and dressing style. As discussed above, the type of costume worn is a representation of their psychic powers. For example, during the split of the X men team to gold and blue side, Jean made a remarkable change, donning in a gold team outfit that is still one of the most popular of her costumes.

The other famous costume is the one she used in the original X men movies where she had a yellow mask, red wig, yellow boots and gloves, a belt with an X buckle and a spandex body suit that was either blue or black; it often would change colors. This is one of the costumes that is up to date loved by many costume players worldwide.

Then came the more feminine costume that is also loved by many, the costume was changed to a cute green dress that man made her look sassy. Most of the other outfits like the yellow mask, gloves, and belt remained.

The Phoenix series Jean’s outfit comes up as a significant part this costumes art, there are Phoenix and dark phoenix outfits that differ in color and phoenix sizes. There is green outfit and a small golden bird at the top in Phoenix, while in Dark Phoenix, the costume is red, and the bird covers the upper chest. These dresses have long gold gloves and boots that are thigh high.

There are other costumes like the X factor costumes where she wore a green body suit that has an X across the upper side of the body, running from shoulder to shoulder.The yellow gloves and boots still are still on.

Conclusion

These are some of the many character costumes of Jean Grey who has gone through tremendous changes all through. Make a decisive choice on what to purchase for your costume play, by researching all the available Jean’s character outfits in the stores.

Quick Home Maintenance Tips

If you have been looking for some home improvement tips that won’t take more than a few minutes from your precious time, you are on the right page. This article is for you, especially if you are a busy homeowner. Read on.

Fixing a chair

Are you trying to fix an old chair? If so, we suggest drilling pilot holes and driving screws via the rungs bottom and into the chair legs.

Vinyl Door or Window

If your vinyl doors or windows don’t open properly, the channels may have accumulated gunk. At times, even clean doors and windows may bind. You may spray dry spray lubricant on the target areas and then use a rag to wipe it off. Using oil lubricants is not a good idea as they can catch dirt damaging the vinyl.

Repairing a Shutoff Valve

If the shutoff value is faulty, you can get it replaced. But if you can’t, you should go to the nearby hardware store to buy a good replacement washer. Remove the grit from the valve and fit the new washer. This will fix the problem.

Loose Showerhead

If you want to fix a problematic showerhead or a wobbly pipe, you can use some expanding foam. With the foam, you can encase the pipe and fix it. This will remove the wobble.

Use a Smoke Detector

If you don’t have enough time or money, you may want to cover the ceiling hole with a smoke detector. You don’t need to patch the hole.

Cabinet doors

If your cabinet doors don’t stay shut, all you have to do is use a magnetic door catch. You can also go for a roller-style one.

Squeaky Floors

If you want to repair a squeaky floor, use a stud finder to find the floor joists. Next, you can drive in a screw via a pad, carpet and the subfloor to reach the floor joist. Just make sure that the upper part of the screw has no threads. Ideally, you may want to use trim screws since they have bigger heads. If this is the case, you may want to pull up the screw and then tighten it again.

Remove Water Stains

Before repainting the ceiling, you may want to try out this trick. You can use a mixture of water and bleach and then wait for a few days. If the stain is old, you can try a mold and mildew product. The stain will be gone within 24 hours. This trick may work both on textured and flat ceilings.

Wallpaper Seams

To fix a wallpaper seam, you can soak a rag in lukewarm water and then apply the paste around the seam. You may want to hold the rag for a couple of minutes and then open the seam a bit for more space for the seam sealer. Put the liquid into the gap and then push the paper against the wall using a roller. Then you can use a sponge to remove the sealer.

So, these are some quick and easy home improvement tips.

Catering Equipment for Year End Functions

It’s that time of the year when holiday cheer is in the air and companies are in full steam with planning their year-end functions. That means they are actively looking for a venue that will make their function a special one. They want to ensure that the venue looks good, food tastes great, and that all the facilities are there to make for a convenient and fun evening. Therefore, it is time for you to prepare your venue for the busy season ahead.

For small to large year-end functions you will need the following catering equipment.

· Robot Coupe Combo Food Processor. Food preparation is usually the lengthiest part of the cooking process. The Robot Coupe Combo Food Processor will enable you to automatically cut, slice, and grate vegetables thus saving you valuable time.

· Anvil Potato Peeler. If you’re serving hundreds of guests you’re going to have to peel a lot of potatoes. The Anvil Potato Peeler is a robust unit that automatically peels 12 kilograms of potatoes in 2 minutes.

· Chafing Dishes. For large numbers of guests, it can be challenging to keep a lot of food warm. They are also beautifully designed with a polished finish. This is a great way to keep food heated while it is waiting to be served.

· Bussing and Transport Carts. You’re going to need to clear up the dishes from at least 10 guest tables if you have a hundred guests. A bussing and transport cart will allow the waiters to quickly clear the tables and move the dishes to the kitchen. This will also minimize breakages.

· Water Jugs. Placing a jug of water and a jug of juice on each guest table will make them feel welcome.

· Dinnerware. For catering purposes you will need more than enough dinnerware such as plates, side plates, cups, and saucers. Also make sure you have drinks, wine, and champagne glasses. If you are serving a hundred people, ensure that you have dinnerware for 110 people. The additional amount of catering equipment is a contingency for any eventuality with breakages or damages.

· Urns. Once guests have had their meal they may want to enjoy a cup of hot coffee or tea. Having a coffee/tea station with an urn filled with hot water will keep your guests satisfied.

· Scotsman Ice Machine. A lot of cool drinks and alcoholic drinks are usually served at year-end functions so the demand for ice is very high. You will need to provide ice for hundreds of guests and their multiple drinks. An ice machine constantly makes ice on demand so you won’t run out of ice mid function.

· Commercial Refrigeration. You will need to keep a lot of drinks cold throughout the function so make sure that you have a refrigerator that can accommodate all the drinks.

Your Business Needs Steady Cash Flow

The ability to make critical purchases from your vendors, pay down loans, and meet employee payroll has become a common problem among businesses across all industries. Cash flow has always been a major issue with all businesses and without positive cash in your bank your business could fail. By the time a business realizes their cash flow isn’t going to support their payroll, or pay vendors, the owners make rash decisions by going to companies/banks that can destroy their business.

If you realize your business is about to fall into this position, don’t panic. Review your financial situation with your accountant or CPA. But don’t act too fast. There is another option.

So what can you do to avoid this problem?

Before telling you the solution, let’s talk about the 3 things you should NOT do.

1- Bank Loans. If you think a bank will help finance your old or slow paying customers, well they are not.

2- Factoring Invoices or Receivables. Another myth. When companies rely on this method of cash flow, it just reduces your profits. Plus, once your invoices or receivables have been factored, most often this “third” party who now owns them will be so aggressive with your customers to collect the money that it can ruin your business by losing a customer.

3- Collection Agency. If all you want is someone to harass your customers, then call a collection agency. Odds are, they will just irritate your customers with strong-arm tactics that never work and here again you will lose another customer.

What you need is positive cash flow, right? Well you can have positive cash flow and retain your customers by using a reputable company that knows how to talk to your customers in a manner that will actually convenience them to make timely payments without losing them as a customer.

A credit management system can provide effective cash flow by acting seamlessly with your accounting department. This should NOT impact your accounting staff when handled properly. The slow paying customers and poor receivables from your accounting department should be quickly identified and presented to management in a timely manner. It is best you do not use a middleman, or off-shore calling, These will just hurt your business more because your customers know these types of calls who only want to collect the money, not help make a payment plan.

There are many articles to help find a good credit management resource. Do your research and seek out those that have a solid reputation and work with you as your in-house accounting department.

Kidney Transplant – Patient Assessment Factors

When kidneys stop working effectively, you either have an option of a dialysis or a kidney transplant. Dialysis ensures that you get rid of the waste products from your body but it does not replace all the functions of the kidneys. When you are diagnosed with failing kidneys, treatment can sometimes prevent or at least delay their complete failure.

However, with a transplant, your body can continuously remove the waste products of metabolism, and excess fluid. Kidneys also help in the production of a natural hormone called erythropoietin that prevents anemia. It also helps convert the vitamin D in food into an active compound that helps keep bones healthy. Moreover, it helps excretion of some toxic drugs. Finally, it plays an important role in helping control blood pressure.

Kidneys normally undertake all these functions. It is a known fact that kidney transplant provides patients with a better quality of life than dialysis.

Assessment for kidney transplant

There are a few very important factors to be checked before you undergo kidney transplant surgery. To begin with, you will be referred to transplant only when you are nearing or have started dialysis.

  • There is no dependency on age factor or ethnic background when it comes to assessment for a transplant. It all depends on whether you are fit enough to have the operation and deal with all the after effects of the surgery.
  • Some of the factors checked are evidence of heart disease, chest conditions and other problems. Special investigations are conducted to assess whether these risk factors are too great for transplant.
  • Next there will be a thorough discussion between the specialists such as the surgeons, nephrologist, cardiologist and the physician before the decision is finalized.
  • Once you are considered fit enough for a transplant, the specialists will explain all the risks and benefits to you.
  • Many times there is a waiting list for a transplant.
  • There will be a number of tests conducted to check whether you have had certain virus infections.
  • Well, the specialists will also ask you whether you have any close friends or family who are willing to be live donors.
  • Live donor transplants are known to give the kidneys a better chance of long term survival as compared to diseased donor transplants.

Whether you receive a particular donor kidney or not is determined initially by the blood group. It is pretty difficult to get two people to be perfectly alike, because the genes are different. It is however possible to achieve a good enough match for a successful transplant. The surgery takes around three hours and appropriate care needs to be taken post operation too. 

What Are the Most Common Forms of Intellectual Property?

Intellectual property (IP) refers to innovations of the mind, such as inventions, scholarly and creative works, patterns and marks, names and likenesses used in trade and business. All IP is protected by the various laws in existence locally, regionally nationally, and internationally. Laws exist for patents, trademarks, copyright, service marks, trade secrets and more.

What is a Patent?

A patent is an absolute right granted for an invention, which is a product or a method that provides, in general, a new way of doing something, or proposes a new specialized solution to a problem. To obtain a patent, methodological information about the invention must be revealed to the public in a patent application. The process for obtaining a patent is complex. If you are interested in obtaining a patent, you should first visit this website: The US Patent and Trademark Office. Once you have begun to understand this process and the associated laws you can apply for a patent. However, keep in mind this is a complex process and using an attorney specializing in patents would be the best avenue to use.

What is copyright?

Copyright is a legal term used to illustrate the rights that creators have over their literary and artistic works. Creations covered by copyright range from books, music, paintings, sculpture, films, computer programs, databases, advertisements, maps, technical drawings, and more. Copyright is not a complex IP to apply for and most people can easily complete a form and submit their work. Be sure to visit the Copyright Office online to learn everything you need to apply for a copyright, including fees, what to submit, etc: US Copyright Office.

What is a trademark?

A trademark is a sign which distinguishes between goods or services of one company from those of other companies. Trademarks are safeguarded by intellectual property rights. Trademark protection can be obtained through registration, by completing an application for registration via the trademark office and paying the required fees. The website is the same as for patents.

What is a Service Mark?

A service mark is a mark that distinguishes between services. Businesses use service marks to connect their services and differentiate them from other services in the same field. Service marks consist of letters, words, symbols, and other devices that help notify consumers about the origin or source of a particular service. Registration can be completed at the US Patent and Trademark Office.

What is a Trade Secret?

The Uniform Trade Secrets Act (“UTSA”) classifies a trade secret as: information, including a formula, pattern, compilation, program, device, method, technique, or process that produces independent economic value. These secrets are either tangible or impending, and generally are not known or easily discovered by other persons who might receive monetary value from its revelation or use; and is the focus of efforts that are logical under the conditions to preserve its secrecy. There are two basic situations in which acquiring the use of a trade secret is illegal. If a trade secret is acquired through illegal means or if through a breach of confidence then there is a legal standing for suit. Trade secrets may be obtained by lawful means such as private discovery, reverse engineering, and unintentional disclosure. The trade secret holder’s failure to take reasonable protective measures can allow this to occur. The misappropriation of trade secrets is considered a form of unfair competition. Reverse engineering is oftentimes restricted as found in computer programs.

What is Industrial Design?

An industrial design right is an intellectual property right that shields the visual design of objects that are not purely functional. An industrial design consists of the creation of a model, pattern or composition of a pattern or color, or permutation of a pattern and color in three-dimensional form containing aesthetic value. An industrial design can be a two- or three-dimensional prototype used to produce a product, industrial commodity or handicraft.

What is Trade Dress?

Trade dress is a legal term of art that generally refers to characteristics of the illustration of a product or its packaging or the design of a building that signifies the origination of the product to consumers.

What is Fair Use?

Fair use is any copying of copyrighted material done for a partial and that changes the purpose, such as to comment upon, disparage, or lampoon a copyrighted work. Such uses can be done without permission from the copyright owner. Fair use is a defense against a claim of copyright infringement.

Commentary and Criticism

If you are commenting upon or criticizing a copyrighted work a book review or any valid review, fair use principles allow you to replicate some of the work to accomplish your purposes.

These are the most common forms of intellectual property. If you decide that something you have created falls under one of the categories stated in this article, then you should look into registering the work or product. Be certain that what you are registering is not the same as what someone else has already registered.