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niedziela, 9 grudnia 2007

Fast & easy weight loss

Some of the main problems that overweight people deal with are intense, constant physical hunger; food cravings and uncontrollable urges to eat when not hungry; low metabolism; and an abnormally high amount of fat stored in stubborn secure problem areas such as the hips, thighs, buttocks, and waist. Our "weight loss cure protocol" has been proven to be virtually 100% successful in correcting these conditions, thus curing the individual of obesity for life!
HCG is short for Human Chorionic Gonadotropin hormone, a body friendly substance that can be found in the urine of pregnant females.
The use of HCG in the treatment of obesity was first discovered by the late British Physician, Dr. A. T. W. Simeons. He devoted years to researching various patients suffering from obesity.
During this time, Dr. Simeons noticed several important factors including the lack of symptoms one would expect from a patient on a very low calorie diet. For example, his patients had no headaches, hunger pains, weakness, or irritability as long as the low calorie diet was combined with HCG.
Tens of thousands of people used this simple, safe treatment and achieved miraculous, fast, and permanent weight loss. And now, thanks to our online offer this treatment is available to you for a great price!
Patients who need to lose 7 kilos or less require 26 days treatment with 23 daily injections. The very low calorie diet is continued for 3 days following the end of the injections to avoid weight regain. Under normal circumstances a 500kcal diet is almost impossible. But through the administration of HCG it becomes possible. The HCG treatment of Dr. Simeons suppresses feelings of hunger so you will feel satisfied with the 500kcal.

czwartek, 29 listopada 2007

Auto Insurance

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy.

Why do I need auto insurance?
In some states, to drive you must carry:
Liability coverage to pay for losses you cause others, or:
No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of fault, or both coverages.

Even in states where auto insurance coverage isn't required, drivers must, by law, be able to pay for losses they may cause others. Having auto insurance is the simplest way for most people to comply. Also, coverage for vehicle damage usually is necessary to finance a car.

Without insurance, you risk paying for the full cost of:
Any harm you cause others, or:
Repairing or replacing your car if it's damaged or stolen.

How much auto insurance do I need?
Questions to ask yourself and your auto insurance agent:

How high should my liability coverage limits be? No one can predict exactly how much you would have to pay if you were to cause an accident. Ask yourself how you would pay for any damages exceeding your coverage limits. The higher your limits are, the more likely your policy will be able to pay all of the damages.

How high or low should my collision and comprehensive deductibles be? Higher deductibles lower your premium but increase the amount you must pay out of your own pocket if a loss occurs. Ask yourself how much you are willing to pay in order to save on premium.

Should I carry collision and comprehensive coverage? As your car's value decreases, you might consider dropping these coverages and pocketing the savings on premiums. Consider, though, if the savings are enough to offset the risk of footing the entire cost of repairing or replacing the vehicle.


In every state except New Hampshire, South Carolina, Virginia, Wisconsin and Tennessee, you will be required to carry at least a minimal amount of liability insurance. Liability insurance protects people in other cars when you are at fault, covering medical bills and car repair. However, this very basic type of insurance does not cover injuries to you or damage to your own vehicle. To get this coverage, you’ll need comprehensive and/or collision insurance. You’ll find that auto insurance quotes for this type of coverage are higher than those for liability insurance; that’s because these cover so much more. Collision insurance pays to fix your car and pay your medical bills even if you are at fault in an accident. Comprehensive insurance covers most other things that can happen to your car – fire, vandalism, or random events like falling tree branches. Depending on your personal circumstances, you can choose different deductibles which will change the estimated yearly cost of collision and comprehensive auto insurance quotes. A deductible is the dollar amount that you must pay before your insurance kicks in. For example, if you have a $500.00 deductible and your car incurs $350 in damage, you’ll have to pay to cover the whole amount. But if you incur $800 worth of damage, you will pay $500 of that amount and your insurance company will pay $300. Some auto insurance
companies also sell medical payment and personal injury protection (PIP)/no-fault insurance, which expand medical coverage and may pay for lost wages, childcare costs, and other side expenses resulting from accidents. Other add-ons can include rental reimbursement and towing and labor insurance. When offering you an auto insurance quote, companies will want to know about your driving records, your age and how long you’ve had a license, and will inspect your car before certifying it.

czwartek, 22 listopada 2007

Car Insurance Rates - Teenagers

Varies greatly from one group of drivers to another. This is mainly due to different types of driving styles. Factors such as age, sex,credit history, marital status, and criminal background can greatly affect your car insurance rate.Car insurance rates for teenagers continues to be among some of the highest rates seen by anyone applying for auto insurance. Unfortunately teenagers have alot going against them when insurance companies consider them for coverage. Lack of experience, little to no credit history, and no marital status are all factors that skyrocket a teenager's insurance rate. The highest auto insurance rates observed by any individual are usually any male driver under the age of 25. Teenager's are also "statistically" more liable to get into a car wreck. In 2003 teenagers made up less than 5% of all drivers, but were involved in nearly 20% of fatal car accidents, an 22% of any type of car accident. Statistically teenager's are a huge liability for insurance companies, and they make up for the liability in increased rates.Fortunately, there are options for teens looking for ways to decrease their rates. A teen may be put under the same policy as his/her parents, therefore decreasing the rate. This can sometimes result in an increased rate for the parent's, but the overall savings usually make up for the adjustment. The type of car also has a small factor in the rate price. A car with a low profile engine, high safety measures, and mediocre value are generally considered better in the eyes of insurance companies. Obviously a teenager's rate is going skyrocket if they drive a brand new porsche or high valued luxury sedan.Another option for teens is to take a drivers training course. Teens that have never driven a car, or are getting their license for the first time would do well to take a drivers training course - as not only would their insurance rates decrease, you are at much less risk to get into an accident after taking the course.There are many other options available to the would-be teen looking to decrease their insurance rates.

środa, 14 listopada 2007

DWI Arrest information and your rights

DWI is known by many different names and abbreviations. DWI is Driving While Intoxicated, DUI - Driving Under Influence, OUI - Operating under Influence, Drunk Driving and so on. DWI is governed by State Laws. Therefore, terminology differs from State to State. In this article we will specifically discuss laws and punishments related to DWI arrest, your rights if you are charged with DWI and how to get yourself a competent DWI Defense Attorney.
To start with - DWI is a very very serious offense. An alarming number of Americans lose lives every year because of drunk drivers. The DWI Laws are very strict and if you are arrested with DWI charges, it can damage the rest of your life in a big way. DWI arrest can have very serious consequences. A bad police record is something you will have to live with if convicted. If not convicted you end up spending thousands of dollars over various things including DWI attorney fee. Either way there is bound to be criminal waste of countless number of hours visiting police station, meeting up with your Probationary Officer from time to time, volunteering community service, attending alcohol education classes, filling up forms at various stages and what not.. the ordeal is tiring, sometimes meaningless and humiliating. When you are caught under DWI suspicion, you are taken to the jail by the officer who has made the arrest and until you are allowed to make a call and your DWI attorney releases you on bail, you are actually in the jail cell (sharing the cell with one more criminal) in clothes provided by the jail, eating jail food, sleeping on hard jail matress. It traumatizes the person arrested under DWI. Immediately after DWI arrest you lose your right to drive, unless court grants you Occupational License, which comes with conditions such as observing speed limits and driving in limited areas etc. All this, if you get Occupational License. If you don't there is no issue. No driving your kids to school, or your parents to the nearby hospital. Immobility breaks your back. How will you drive to your job? There are instances when people have lost their jobs as a result of their DWI arrest. There are countries that don't allow people with DWI records against them.
Coming to your rights, as you are arrested under DWI charges, the first thing is to make sure the officer has not followed you to your destination/home without you being informed of it. You have a right to know your rights under the circumstances by the police officer arresting you. It is not your right to refuse BAC Test. If you do, your license may be suspended. Later on if it is found that your faculties were not impaired, your case will be dismissed but the status of your license will not change as you refused to co-operate with the arresting officer. You have a right to hire an attorney to fight your DWI case. Which brings us to our third point. How to find a competent DWI attorney.
First thing, if you are arrested under DWI - don't try to be your own attorney. Let a qualified professional handle it. Try to look for an attorney who practices only DWI cases and belongs to the same state where the DWI arrest has happened. Check out the website of your attorney if he has any. Check out his past DWI records. Talk to people whose cases this DWI attorney has handled. If DWI is one of the areas of your DWI attorney's practice, it is less likely that he will be aware of every aspect related to DWI. Where as if you choose your DWI attorney who practices say Austin DWI cases exclusively, he will approach and handle the DWI arrest much better. Start the process of looking for a DWI attorney fast as you have only 15 days to get one after your arrest. The whole DWI arrest process can take anywhere form 6 months to 3 years. Once the case is over you will have to pay an yearly fee of $1000 for next three years to up keep your driving license

niedziela, 4 listopada 2007

Lake County Florida Police Arrest Records

Arrest Records Online: If you do a search on google you'll find there are many free public record search engines you can use that will provide some info. The DWI arrest invariably leaves the DWI Austin victim with a sour feeling that this was one drink that he could have so easily done without! How true but too late... now that you're facing DWI charges, you rather deal with it. One thing about DWI Austin Arrest is that you cannot undo it. No matter what you do, if you are arrested by Law Enforcement Team or Patrolling Police under DWI Austin you have to face the consequences.. Taking the time to find court records can seen intimidating but with the help of a company that specializes in helping you find court records the information you need can be in your hands in no time.
Free Glouchester Nj Arrest Records: Your request should be as specific as possible about the person including if available the person's legal name prior names Social Security Number (SSN) race date of birth present and past addresses. Along with the transcript other documentation is also included in court documents such as legal forms evidence and other related files. See vital records manhattan ny birth certificate How does DWI Austin arrest happen? DWI Austin or Driving While Intoxicated in Austin is not an easy job for the patrolling police also. They are given a set of guidelines which they have to adhere to. They are trained professionals doing their job. So if they stop you on DWI suspicion, it means they have enough proof for doing so. Either someone called them (not an anonymous caller) or you have been under observation for at least half an hour and that they have been observing your behavior and mannerisms..
Arrest Records Findings Along with the transcript other documentation is also included in court documents such as legal forms evidence and other related files. Several companies in Arizona do regular scheduled Arizona DUI Record checkups. More at marriage and divorce records michigan Search does not provide social security numbers date of birth credit history and employment records nor to they offer bank account information or other private financial information.
Searching for Arrest Records The Internet has revolutionized the way we search and retrieve information and looking for public records has become much easier and more convenient. Did you know that you could now access public arrest records databases and worldwide public arrest arrest records directories without leaving your home? Thanks to the Internet, you can access almost any arrest arrest record you need by going to a public arrest arrest records site. The Internet has revolutionized the way we search and retrieve information, and looking for public arrest arrest records has become much easier and more convenient. . See http://www.arrestrecordslegal.cn/marriage-record/death-records-united-states-government.php As you can see if you work at breaking down the law into smaller chunks that you can manage you should be able to figure out all the points that the prosecution needs to prove against you.

środa, 10 października 2007

40 Ways To Beat DUI DWI Drunk Driving

If you have been arrested for DUI or DWI, it is obviously cause for concern—but not for despair. By hiring a quality defense lawyer who can protect your rights, there are a host of ways your case may be defendable. That’s why it would be a good idea to consider hiring one of America’s Top DUI and DWI Defense Attorneys now. Here’s a few ways our lawyers may be able to win your case. Even if your case involves a drug, drugs, medicine or alcohol, they will help.ILLEGAL STOP OF PERSON OR VEHICLE – a driver cannot be stopped unless the officer has a reasonable and articulate basis to believe that a traffic law or other law has been violated. Similarly, a person cannot be seized unless a violation has occurred.WEAVING INSIDE THE LANES IS NOT ILLEGAL – weaving without crossing any lines is not a violation of the law, and a vehicle cannot be stopped for that reason.ANONYMOUS REPORT OF DRUNK DRIVING – a car cannot be stopped simply because an anonymous citizen reported that the driver was drunk.STANDARD FIELD SOBRIETY TESTING IS INACCURATE – in healthy individuals, the one-leg stand test is only 65% accurate, and the walk-and-turn test is only 68% accurate in determining if a person is under the influence. Those persons with injuries, medical conditions, 50 pounds or greater overweight, and 65 years or older cannot be validly judged by these tests.NON-STANDARDIZED FIELD TESTS ARE INVALID – neither the Federal Government (NHTSA) nor medical science considers touching your finger to your nose, or saying the alphabet, or counting backwards, as valid sobriety tests.BREATH TESTING IS INACCURATE – virtually all experts concede that one breath test alone is unreliable. Breath testing is subject to various inaccuracies, including a variance as much s +/- 12.5%, non-specificity for ethanol, etc.BOOKING ROOM VIDEOS – Many police stations videotape suspects at the police station, where their speech is clear and their balance is perfect, in spite of police testimony to the contrary.IN-SQUAD VIDEOS – more and more often, the suspect’s driving and performance on field tests is being recorded; often contradicting police testimony.FAILURE TO PROVIDE SPEEDY TRIAL – If a client is not provided with a trial within a certain period of time, which varies between states, through delays of the court or prosecutor, the charges must be dismissed.POLICE BLOOD TEST INACCURATE – Many times, police blood testing fails to follow prescribed rules of testing, analysis, or preservation recommendations.HOSPITAL BLOOD TEST INACCURATE – Hospital blood tests overestimate a person’s true level by as much as 25% in healthy, uninjured individuals, and are not statistically reliable in severely injured persons.BREATH TEST OPERATOR UNLICENSED – Most states require a Breath Test Operator to possess a valid, unexpired operator’s license, or the breath test result is inadmissible.BREATHALYZER MACHINE MALFUNCTIONS – Most states specify that if there is a malfunction or repair of the breath test instrument within a certain period of time before or after a suspect’s breath test, the results of the suspect’s test are presumed invalid.BREATH TEST OPERATOR LICENSE EXPIRED – Most states require that a Breath Test Operator must possess an unexpired operator’s license, or the breath test result is inadmissible.BREATH TEST DEVICE NOT APPROVED – A breath-testing instrument must be listed on the Federal List of Approved Breath Evidential Instruments and the ISP approved list of Devices, or the results are inadmissible.FAILURE TO PROVE DRIVING UNDER THE INFLUENCE – A defendant’s admission to driving, without more, does not prove a charge of driving under the influence.INDEPENDENT WITNESSES – Often times, independent witnesses to accidents, bartenders, hospital personnel and others can provide crucial evidence of the defendant’s sobriety.FAILURE TO MIRANDIZE – Prosecutors may not use as evidence the statements of a defendant in custody for a DUI when the police have failed to properly issue Miranda Warnings.FIELD SOBRIETY TEST IMPROPERLY ADMINISTERED – According to the National Highway and Traffic Safety Administration, improperly administered field tests are not valid evidence of intoxication.OFFICER’S PRIOR DISCIPLINARY RECORD – A police officer’s previous disciplinary record can be used to attack the officer’s credibility.PORTABLE BREATH TEST INADMISSIBLE – Most states prohibit the use of portable breath testing results as evidence at trial in a DUI case.PORTABLE BREATH TEST IMPROPERLY ADMINISTERED – The manufacturers of portable breath testing devices require a minimum of two tests to consider the results evidential in nature.FAILURE TO CONDUCT OBSERVATION PERIOD – Most states require that a driver be observed continuously for a minimum period, such as twenty minutes, prior to a breath test in order for the results to be considered admissible and valid.EXPERT WITNESSES – Expert witnesses are available to review the validity of breath tests, blood tests and field sobriety tests.MEDICAL AND HEALTH PROBLEMS – Medical problems with legs, arms, neck, back and eyes can affect the results of field sobriety tests. Further, other medical conditions can also affect the validity of breath test results.BAD WEATHER – Weather reports establishing high winds, low visibility, and other conditions are available to explain poor driving or poor balance.LACK OF PROBABLE CAUSE TO ARREST – A police officer must have specific and articulable facts to support any arrest for DUI, or the suspension will be reversed and the evidence suppressed at trial.ILLEGAL SEARCH – The police are prohibited from searching a person or the automobile for a minor traffic offense, and may not search a car without a driver’s consent or probable cause. Any evidence illegally obtained is not admissible in court.PRIOR INCONSISTENT STATEMENTS BY POLICE OFFICERS – Any statement made by a police officer, verbally, in police reports, or at previous court proceedings may be used to attack that officer’s credibility.POST-DRIVING ABSORPTION OF ALCOHOL – The prosecutor must prove the blood or breath alcohol at the time of driving. Recent consumption of alcohol just prior to driving will cause the test results to be higher than what the true level was when the person was operating the automobile.INTERFERING SUBSTANCES – Many items contain forms of alcohol, which may cause false results, such as asthma spray, cough drops, paints, fingernail polish. These items can cause the breath results to be invalid.BREATH MACHINE NOT PROPERLY OPERATED – The manufacturers of breath testing devices have specified protocols, which must be followed for a breath result to be valid. Failure to follow these requirements will result in improper readings.FAILURES TO PRODUCE DISPATCH TAPES – Most stops of vehicles are recorded on dispatch tapes, as well as recording police communications regarding an arrest of an individual. Failure to preserve such tapes upon request can cause all evidence, which could have been recorded to be suppressed.MISLEADING STATEMENTS BY POLICE OFFICERS – Any misleading statement by the police regarding the consequences of taking (or refusing) a blood, breath, or urine test will cause the suspension to be reversed and removed from the driver’s record.STATUTES OF LIMITATIONS – A misdemeanor charge of DUI must be filed within a certain period of time (which varies between states) of the date of offense, or the charges will be dismissed outright.PRIVATE PROPERTY – A person who has not driven the car on a public highway cannot be suspended for drunk driving.FAILURE TO DISCLOSE EXPERTS – The failure of the prosecutor to disclose the state’s expert(s) will cause those witnesses to be barred from testifying against the defendant.LACTATE RINGERS – When hospital staff use lactate ringers during the treatment of a patient, the hospital blood serum results will report falsely elevated, and therefore invalid, readings.FAILURE TO RECORD CERTIFICATION TESTS – the failure to include the value of the simulator solution used to test breath machines will cause the breath test results to be inadmissible in court against the driver.FORCED BLOOD DRAWS – In some states, the police may not take a blood test against the driver’s consent where there has not been an injury involved, or the result is inadmissible.(disclaimer) State laws may vary. Please consult an attorney for legal advice on actual application in your state.

piątek, 17 sierpnia 2007

How to Hire Austin DWI Attorney? What are Austin DWI Laws

Fist things first. Getting caught under Austin DWI i.e. Driving While Intoxicated in Austin or Texas State can have life altering consequences. There are many types of legal charges when it comes to driving. But the most dangerous of them all, DWI Austin can be the worst that you can charged with.
If you are arrested under Austin DWI charges, your immediate worry should be to hire an Austin DWI Attorney. A qualified, competent and experienced Austin DWI Attorney. Preferably an Austin DWI Attorney firm. A firm consists of a team of qualified people needed at various stages of the trial. You should also make sure that you hire a firm that exclusively deals in DWI cases & trial, that too in Austin, Texas. Such a firm will have better insight into the legal procedures and workings of the court. Since these Austin DWI attorneys are dealing with the judges all the time, they are better equipped to plan their move.
According to Austin DWI Laws, DWI is a criminal offense. DWI Austin charges carry administrative penalties. According to Austin DWI Law if your breath, blood and urine tests show alcohol content of more than 0.08% then you will be arrested under Austin DWI laws. Its a class-B misdemeanor. Having alcohol or drug or any type of controlled substance in body that results into loss of normal use of mental or physical faculties is considered intoxication. Intoxication does not limit to alcohol alone.
The minimum jail time as per Austin DWI Laws in 72 hours. But if you were caught with an open container of alcohol in the vehicle that you were driving your jail time can go upt o 6 days. Apart from jail time, as per Austin DWI Laws your driving license can also be suspended for 90 days to one year. Even if the person charged with DWI Austin is not convicted, the positive results of breath, blood and urine are enough reasons for his/her driving license suspension.
Besides the above, as per Austin DWI Laws, for a person arrested under DWI charges it is mandatory to attend educational programs related to drunk driving. If he/she fails to do it within the time frame prescribed, it can result into losing driving license. A subsequent DWI conviction results in driver's license suspension for another 18 months. To get the license back after completing the suspension period, the person must pay $100. Your driver's license can also be suspended if you refuse to take the Road-Side tests suggested by officer. Apart from this your insurance cost will also go up.
How can Hiring an Austin DWI Attorney help? Well, he knows the law, he knows the rules and he knows the way out. He can challenge the way the test is performed. The machines on which the tests were done. The Austin DWI Attorney cam also challenge the qualification of the person operating these machine. He can take the blood and urine samples and get them tested in a private lab to verify the tests. Austin DWI Attorney can challenge the grounds on which police made the arrest. He can challenge the accuracy of the machine, timing of the tests and so on.
Austin DWI Attorney can help provided you hire the right person at the right time. If in the beginning without realizing the importance of the case you try to fight it yourself, there is a chance that you will complicate it and make it that much more difficult for your Attorney. So the timing is very important. Hiring the right Austin DWI Attorney means a qualified and experienced team Austin DWI Lawyers. Someone whose exclusive area of practice is DWI Austin.
You must understand that Austin DWI can result in loss of job also under some circumstances. Sometimes you are not allowed to visit other countries if you have such a police record. Your mobility is restricted anyway by your driver's License being suspended. All this coming together can be very torturous. Best is not to drive drunk. Next if you do and are caught look for a lawyer so that the outocme can be the best taht it can be.