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Anyone in the world By Artem Skorik Most obese people think losing weight means being hungry all the time. They prefer to be obese than to feel hunger. You do not have to be hungry when losing weight! Eat regular meals, do some exercises and take weight loss pills. That's all you need to lose weight. No hunger at all. Eat regular meals 5 times a day but not much. Take some exercises for 20-30 minutes a day. Take 1-2 weight loss pills. That's all you need to lose weight. Is it simple? Yes, it is. But these scheme works. There are some more eating tricks and facts: - Eat your meals slower and thoroughly chew food. Help your stomach digest meals. - Do not overeat. Leave your stomach hungry a bit after eating. - Do not skip meals. When you are loosing weight your body still needs some calories. Skipping meals will not make you slimmer. You just might have a depression. How to fix your weight loss gains? There is an answer that consists of two parts: exercise and take weight loss pills. Exercising will help you fill your body with oxygen and muscles. Fat simply will not have a place in your body. Weight loss pills will help you lose weight and fix your weight loss gains with the help of natural substances. This three components - regular meals, exercising and weight loss pills - will make you satisfied with your new weight. I do not know other effective natural methods. Surgery is not concerned with natural ways. Artem S. is a webmaster of Weight Loss Pills, a site dedicated to weight loss information and weight loss pills. Article Source: http://EzineArticles.com/?expert=Artem_Skorik http://EzineArticles.com/?To-be-Hungry-or-Not-to-Be?&id=270048 ambien goldclubmeds
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Anyone in the world By Chris Braithwaite The first question that you may have in your mind: why you need to think to reclaim bank charges? You are certain that you are wrongly charged by the bank, but you are not sure whether the laws support you to reclaim bank charges, or whether you are right at your place when you go to reclaim bank charges? Well, you have the answers to all these questions. On 5 April, 2006, the Office of Fair Trading (OFT) concluded that default charges over 12 are automatically presumed to be unfair in terms of the Unfair Terms in Consumer Contract Regulationsit is noticeable here that unfair terms are legally unenforceable. These charges may include late payments on credit cards, unauthorized overdrafts, unpaid direct debits and standing orders, and missed payment fees on store cards and mortgages. So, if you think that you are wrongly charged by the bank, you are entitled to reclaim bank charges. This does not mean that charges below the 12 limit will never be deemed as unlawful and you can reclaim these bank charges; but the difference is that the OFT will take enforcement action only for charges above 12. The law behind reclaiming bank charges The law behind the concept of reclaiming bank charges is simple to understandit states that any charges that banks levy on their customers must be proportional to the actual costs they incur. However, most of the time, the set amount of charges levied by the banks are quite in excess than they actually have to incur, and therefore, you are entitled to reclaim bank charges. If we take an example, an overdraft limit, or a cheque, or direct debit payment bounce has a charge levied by the bank equal to around 30 to 35 a time. This is obviously not in proportion to the cost that the bank has to incur; and moreover, this charge applies even when you go over your limit by a single penny! However, the official words from the courts are still pending, and till then, no certain law can be imposed on the charges levied by banks. Process of reclaiming bank charges To reclaim bank charges, you can follow this process: Spotting unlawful charges To reclaim bank charges, you need to spot them in your account statement. The charges levied on you that are over and above what an infringement costs the bank can be classified as unlawful. You need to spot such charged levied on your by the bank. You can get the information about these excessive charges from your bank statement. Banks can provide statements for the past 6 years, but there would most likely be a charge per statement. There is a law however, under the Data Protection Act that allows you to request all transactions within the last 6 years, and can be charged no more than 10 for them. In this case, banks will probably provide the information in statement form. Writing a money back request Once you have calculated the excessive charges that have been levied upon you, you need to take the first step in intimating the bank for reclaiming bank charges. You may include all the information and other history that will support your reclaiming bank charges. Waiting for the reaction of bank When you send a reclaim bank charges note to your bank, the bank has 40 days to respond, if not you are free to report them to the Information Commissioner for a breach of the Data Protection Act. If they offer a partial refund against your reclaiming bank charges, you can refuse it. You can write again and reclaim bank charges in full amount. Most of the replies received by the customers about their reclaiming bank charges are the banks stating that the customers are mistaken on this issue and that the charges are lawfulbanks very tactfully tend to refuse to pay against your reclaiming bank charges. When you feel that there is no benefit in writing more to bank about reclaiming bank charges, you can move to the next step. Learn about the court action To reclaim bank charges when the bank is not yielding to the written requests, you can take initiative for a legal action. However, you need to take care that from now on you will incur the cost of starting a claim. In case your claim is less than 5,000, it will be heard in the small claims court, where you will not be held liable for the bank's legal costs. It is also a better idea to open a new current account or switching to personal loans when you are trying legal action for reclaiming bank charges, for, the bank may try to close your account with them. Making the claim To reclaim bank charges, there are two options: one is to go to the local County Court in person; the second one is to the court system's Money Claims online service. This feature allows people to make claims from the comfort of their computer, save details as they go along, and pay fees of between 30 and 120 online itself. The second option is simpler for reclaiming bank charges and saves a lot of time for you. Action taken by bank By this time, most probably you will get the money for reclaiming bank charges. If the bank does not respond to the demands, you will win by default in 14 days. However, if the bank takes a defense, your case of reclaiming bank charges enters a new step. Though, it is very unlikely that the bank will move for defense. But anyhow, if this is the case for your reclaiming bank charges, you will receive a court allocation questionnaire. You will need to fill it and send it back to the court within a weekyou can also choose to send a copy of this questionnaire to the bank. By most chances, the bank will get out of it, and you will get your claim. However, if the bank does not back away at this point, the legal action will result in your winning the case. You can view the full article, plus more resources on reclaiming bank charges - including template letters - here: http://www.unlawful-bank-charges.co.uk Article Source: http://EzineArticles.com/?expert=Chris_Braithwaite http://EzineArticles.com/?Reclaiming-Unlawful-Bank-Charges&id=466785 b zolpidem b
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Anyone in the world By [http://ezinearticles.com/?expert=Mary_Jones]Mary Jones The financial situations of different borrowers are different. The circumstances that you are facing now in your financial life may be totally different from others. Similar is the case while taking loans. A particular loan deal might suit one borrower but it might not go well with your circumstances. Some can afford to put collateral, but some cannot. For those who cannot afford to risk their assets, unsecured loans are there to fulfill their needs. Unsecured loans are basically offered to individuals who cannot put a security. This may include tenants, students, PGs, people living with parents, or any other kind of non-homeowner. Unsecured loans offer you benefit in the sense that they keep your asset free from any risk. That means if you do not repay the loan amount properly, the lender will not have rights to repossess your property. Apart from that you are also saved from the lengthy approval process involved with collateral. The loan deal becomes smooth and transparent. An unsecured loan can get you amounts ranging from 1000-15,000, depending upon your requirements. The repayment term varies from 6 months to 10 years. Since unsecured loans do not require any security, the lenders give out loans on the basis of your credit history. Good credit holders definitely get a good loan deal with a good loan amount. But there is a reason for to smile for bad credit holders also. Individuals with bad credit holders can also get unsecured loans. They will be offered a loan deal which will suit their financial conditions as well as the repayment capability. Applying for unsecured loans is quite easy. With the growing popularity of the internet, the loan market has also stepped into the bandwagon. There are online lenders who offer you fast and easy loans without any hassle. Since you are applying for an unsecured loan, the paperwork is less from the beginning. And with online application process, the process becomes even simpler. You will just have to fill an online application form provided by the lender and the loan will be transferred in your bank account within a very short time. Unsecured loans are one of the most versatile forms of loan. You can use them for a number of purposes such as debt consolidation, buying a car or house, meeting medical or educational purposes, home improvements, holidaying and so on. So if you are looking for a secured way of borrowing, unsecured loans will help you the best. Apply and get your dreams fulfilled now. Mary Jones is an expert financial advisor. She has done Masters in Finance from London Business School. To find Personal loans, Secured loans, [http://www.loansvalley.co.uk/unsecured-loans.html]Unsecured loans , Debt consolidation loans, Small business loans,Business loans, Homeowner loans visit [http://www.loansvalley.co.uk]www.loansvalley.co.uk Article Source: http://EzineArticles.com/?expert=Mary_Jones http://EzineArticles.com/?Avail-Unsecured-Loans---For-a-Risk-Free-and-Secured-Borrowing&id=324507 lyrica & ativan
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Anyone in the world By Teddy Shabba There are two kinds of opportunities to attract women; the obvious ones and the hidden ones. Situations such as blind dates, women from work or school and in some cases online dating sites can be considered obvious opportunities to attract women. Just about everything else would be considered a hidden one. This is why for most men High School and College is the easiest time to meet and attract women. It is in those years you a natural setting that gave you an obvious opportunity to attract women. If you take school away it leaves you with two opportunities that are obvious and unnatural (blind dates and online dating sites), as well as Work. In most cases your job is going to make it very uncomfortable to date a co-worker. Now you are left with all of these hidden opportunities and if you where saying to yourself earlier that it was hard for you to attract women during your school years, it is going to be doubly hard for you because for whatever reason many obvious opportunities to attract women you chose to either hide or ignore. So how do you find those hidden opportunities to attract women? Fist thing you need to do is get a notebook and for an entire week just become aware of all situations that you find yourself in which involve women; gas station, on the phone, stores, movies, restaurants, anywhere you are and you see a woman make a note of it. No matter if she is your type or not, old or young. Now I don't want you to do anything that first week except notice perhaps after 2 or 3 days you will begin to realize just how many hidden opportunities you encounter. Yes, some of these opportunities are going to be for naught, some women will not be interested, some will have significant others, the list will go on and on. Yet remember two things. 1.) Hidden opportunities take time to find sometimes and 2.) Consider all those misses as practice for when the real hidden opportunity arrives. There is no such thing as failure only feedback when it comes to attracting and dating women. The amount of hidden opportunities to attract women will always be greater than the obvious ones. Whatever it takes get this area of your life together. Teddy Shabba is a Dating Coach for Men and creator of Dating Advice and Tips for Men which provides an abundance of information for men on dating and more. If you would like more information on how to attract, seduce and meet women sign up for the Teddy Shabba Dating Advice Newsletter for Men today Article Source: http://EzineArticles.com/?expert=Teddy_Shabba http://EzineArticles.com/?Two-Types-of-Opportunities-to-Attract-Women&id=243047 ativan withdrawal
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Anyone in the world By Jarl Jacobsen Nail salons are relatively new to the beauty world. Most of the time it is either part of a hair salon or spa and they rarely ever stand-alone. However, in the past couple years, many nail salons have begun to pop up all over America. Nail salons are not just for the spa or hair salon, you can go to the mall now and get your nail done professionally. Many people who go to the nail salons either do it every now and then to pamper themselves, but now it has become a regular thing. It is like getting your hair set weekly; people are getting their nails done so that they can look professional or funky all week. A couple decades ago, going to the nail salon was unheard of. Getting your nails down was just part of your beauty experience at the beauty shop. Most people got away from getting their nails done professionally because it was just cheaper to do it at home. However, now that we are in a fashionable time, looking good and having our nails looking perfect is just part of being a woman. Many people go for the classy look, while others will go for a wild look for special occasions like prom or other school dances. We have become so obsessed with looking perfect and decked out that many people will get their nails done so they have diamonds sparkling their nails. Yes, that is right! Diamonds are not just for the rings anymore, they can be used to spice up the latest manicure or even pedicure. When you go to the nail salon, they will remove the polish that you have on and let your cuticles soak. Once your hands have been soaking, they will usually rub in a hand cream or cuticle cream so that your hands look soft and feminine. Then they add other services to your manicure or pedicure by adding fake or acrylic nails. This will give your nails a longer and sleek look. Then they will style your nails by adding polish and style. You can get diamonds added on, have a shimmer, or just have them swirled with colors. The options are up to you and your stylist. Usually, if you go to a spa, they will give you the normal pedicure or manicure, but by going to an actual nail salon, you are by to stray from the classic French nail look and begin to show your creative side. However, when you are in a professional setting you may not want to show too much boldness or creativity. When you are working in a professional business setting you will want to choose colors or designs that are subtle and wont draw too much attention. Your nail stylist will know the prefect professional look for you. The author J. L. Jacobsen is a freelance writher, and writhe articles of difference stuff.One of the favourites are manicure/pedicure http://www.online-nails.biz http://www.nailsalons.biz Article Source: http://EzineArticles.com/?expert=Jarl_Jacobsen http://EzineArticles.com/?Nail-Salons-are-Not-Just-for-the-Spa&id=348186 zolpidem rxlist
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Anyone in the world By Emma Sanford While Therapeutic Grade Essential Oils are neither food nor medicine, they sometimes act as if they were! They are, in a word, mysterious. They are also unique in nature, different from any other natural product you have ever tried, enhancing every part of your body, mind, and spirit, with just one or two drops at a time. Therapeutic Grade Essential Oils are hydrocarbons and have been called "God's Love Manifest in Molecules." Therapeutic Grade Essential Oils, freshly cultivated and steam-distilled, are life-enhancing gifts from the plant kingdom, neither food nor medicine, are key solutions to the wellness challenges facing our modern lifestyles. They are easy to use through inhalation, topical application and internal consumption. Plant essences are made of nature's ancient molecules: complex substances whose structure allows them to pass easily and quickly through our skin, and through the cell membranes of every cell in our bodies. We breathe them in and instantly, as they touch the brain, the molecules of essential oils enliven neurons, inspire emotions, awaken immune response, stimulate hormones, which can then enhance energy, digestion, mental clarity, body temperature, circulation, and the feeling of being connected to nature. Aromatherapy in one drop of a Therapeutic Grade Essential Oil can carry as powerful a message as an entire bouquet of flowers. One drop can carry as bio-chemically complex a message as a food or a medicine: It can stimulate our immune activity, open our lungs, enhance our hearing, ease tired and achy muscles, improve flexibility and so much more! Aromatherapy; aroma and the therapy, a natural wellness alternative supporting the mind, body and spirit of our mordern lifestyes. A Sample List of Single Names and Oil-Blends Names of Therapeutic Grade Essential Oils Uses by Category; Warming/Hot Oils: Birch, Cinnamon Bark, Clove, Fennel, Ginger, Melissa, Palmarosa, Black Pepper, Thyme, Oregano, Lemongrass, PanAway, Aroma Siez, Di-Tone, Thieves, and Xmas Sprit. Cooling Support Oils: Eucalyptus, Grapefruit, Lemon, Orange, Peppermint, Spearmint, and Tangerine. Digestion Support Oils: Basil, Chamomile, Clary Sage, Clove, Fennel, Ginger, Lemongrass, Marjoram, Nutmeg, Rosemary, Peppermint, Spearmint, Thyme, and Di-Tone. Insomnia Support Oils: Lavender, Geranium, Bergamot, Cedarwood, Chamomile, Clary Sage, Lemon, Frankincense, Lemongrass, Marjoram, Myrrh, Nutmeg, Orange, Sandalwood, Tangerine, Ylang Ylang, Peace & Calming, Valor, Citrus Fresh, and Dream Catcher. Energizing Support Oils: Birch, Cinnamon Bark, Clove, Eucalyptus, Fennel, Ginger, Lemon, Geranium, Grapefruit, Juniper, Peppermint, Rosemary, Spearmint, Melissa, Petitgrain, Rose, En-R-Gee, and Lazarus. Calming Support Oils: Basil, Bergamot, Birch, Cedarwood, Chamomile, Clary Sage, Cypress, Frankincense, Geranium, Lavender, Lemon, Lemongrass, Marjoram, Myrrh, Myrtle, Nutmeg, Orange, Mandarin, Tangerine, Neroli, Rose, Sandalwood, Spruce, Petitgrain, Melissa, Ylang Ylang, Peace & Calming, Valor, Citrus Fresh, Joy, Hope, Xmas Spirit, and Harmony. Pain Management Support Oils: Basil, Birch, Cedarwood, Chamomile, Cinnamon Bark, Sage, Clary Sage, Ginger, Lavender, Eucalyptus, Marjoram, Peppermint, Rosemary, Melaleuca, Thyme, Helichrysum, Lemongrass, Melissa, PanAway, Relieve It, Aroma Siez, Ortho Ease Massage Oil, and Relaxation Massage Oil. Anti-Inflammatory Support Oils: Clary Sage, Eucalyptus, Lavender, Peppermint, Helichrysum, German Chamomile, Frankincense, Fir, Lemongrass, Melaleuca, Ravensara, Birch, Spearmint, Blue Tansy, PanAway, and Relieve It. An added benefit of Aromatherapy is healing at a cellular level with out the cost and side effect of prescription drugs. RECOMMENDATIONS: Always wash and rinse your hands thoroughly, before and after the use of therapeutic-grade essential oils, also avoid contact with your eyes. Keep therapeutic-grade essential oils out of the reach of children. This entire article is available for reprint electronically or in print, for free, as long as it is done in its entirety. A copy of your publications would be appreciated. Email to: ghgs@youngliving.org Emma Sanford is The Founder and Wellness Consultant of Good Health - Good Scents, a Distributorship of Edible Wellness Products, Located in Atlanta Ga. Ms. Sanford publishes a FREE weekly ezine " Good Health -Good Scents Wellness Tools." Sign up for a FREE copy. Visit, ambien to treat post stroke spasticity
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Anyone in the world By Alexander Gordon Electronics industry is a very huge industry, and engineers, who are very hard to be convinced, take most of the purchasing decisions. Therefore, if you are planning to market your products to electronics industry, you have to be more cautious in your marketing efforts. Engineers are interested in quality and attributes of the product. Moreover, the things that make differentiation are pricing and branding. These guys do not look at the subjective qualities like delightful, elegant, experiential etc; rather they are more interested in knowing the actual and useful qualities of the product. That is why marketing element has to have more product specifications. How Can You Market Products to Engineers? A recent survey says engineers have two types of information needs: Heads - Up Information: This kind of information is related to latest technology, the competitive environment, and what is going on in the industry and related industries. For such kind of information, engineers rely on print media and e-mail newsletter. Heads - Down Information: This kind of information provides guidelines to the engineers for fixing work related problems. It also includes information about features of products. For such information, engineers prefer using web sites. Keeping theses differences in mind, you can plan and implement your message and media strategies. Print media provides detailed analysis of things and through this feature; you can force engineers to take action. Online marketing helps you provide detailed information to the clientele, whenever the demand for it. Engineers spend most of their time in researching and fir this, they use the World Wide Web. Therefore, you can use web tools like micro sites, search engine optimization, paid search and dedicated portals to reach these techno savvy guys in an effective manner. You can also use the concept of Virtual Lab to reach the consumers worldwide. In this system, an engineer can test the product live over the Internet. It not only saves time of both parties but also enhances the client satisfaction. Electronic brochure and product sheets can also be helpful for those who want to know more about your products. Sponsoring e-newsletter and search ads on special websites is another way of reaching the prospects. Whether you use traditional methods of marketing or go for contemporary ones, you always need to read the mind of the client with whom you are dealing. You have to work according to his requirements. Engineers are always technical-minded and that is why it is difficult to win their trust. Therefore, you have to be very specific and calculative in your efforts. If you are not finding yourself able to customize the marketing programs according to these technical minds, you can seek help of marketing advisors or special websites. Alexander Gordon is a writer for http://www.smallbusinessconsulting.com - The Small Business Consulting Community. Sign-up for the free success steps newsletter and get our booklet valued at $24.95 for free as a special bonus. The newsletter provides daily strategies on starting and significantly growing a business. Business Owners all across the country are joining "The Community of Small Business Owners to receive and provide strategies, insight, tips, support and more on starting, managing, growing, and selling their businesses. As a member, you will have access to true Millionaire Business Owners who will provide strategies and tips from their real-life experiences. Article Source: http://EzineArticles.com/?expert=Alexander_Gordon http://EzineArticles.com/?How-To-Market-To-Electronics-Engineering-Industry&id=395250 buy cheapest zolpidem online
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Anyone in the world By Dave Hoffman Have you, or someone you know, been injured in an accident involving a bicycle? Not sure what to do? Here's is a guide to some things that you should know when looking for bicycle accident lawyers Los Angeles. If you or a family member was injured or killed in an accident involving a bicycle, you may be able to recover damages, with bicycle accident lawyers Los Angelos. Assuming the other party was at fault, you can bring a suit of negligence against them. Negligent parties can include automobile drivers, bus drivers, as well as bicycle manufacturers and the makers of bicycle parts. Other negligent partied can include the State and the City of Los Angeles, for not properly maintaining the roads, which can sometimes contribute to accidents. If you have recently had your bike repaired, the mechanic that conducted the work could also be implicated and found negligent. Likewise, private property owners can also be held negligent for improper upkeep of property, if it leads to an accident. When deciding to sue someone for negligence leading to an accident, it is important to be aware of what your rights are as a cyclist. Bicycles in Los Angeles are considered vehicles and bicycle accidents are to be treated as vehicular accidents. The State of California has many law regarding cyclists, many pertaining to the use of alcohol and drugs and riding, which you will be held accountable for. So, remember, if you have infringed any laws pertaining to the use of alcohol or drugs, you may well be found to be at fault. In some cases, it is possible to be charged with DUI and you may jeopardise your driver's license. Being involved in an accident on your bicycle can be a stressful and frightening experience. However, if you believe that the accident was the result of another's negligence, it is important to seek legal advice from bicycle accident lawyers Los Angeles. You may be entitled to damages. Dave Hoffman is the founder of Personal Injury Atorneys a website providing information on personal injury law. Article Source: http://EzineArticles.com/?expert=Dave_Hoffman http://EzineArticles.com/?Injured-in-a-Bicycle-Accident-in-Los-Angeles?&id=54673 zolpidem tartrate in australia
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Anyone in the world By James Monahan At these times when both men and women work for a living, small children are often left at home with a babysitter or at a daycare center while older ones spend the whole day at school. Most of the time, parents have just enough time to spare to just tuck in their kids at night. They sometimes do not even have enough time to talk about their individual lives let alone spend a day of fun together.
But building good relationships with ones children does not really have to be spent the whole day. Little conversations, little gestures of comfort, little things that you do everyday whether they be for an hour or for just a few minutes are enough especially when done with sincerity and commitment to strengthening and building the bonds that you have with your children. Here are some of the ways of building better relationships with your children. Set time for small talks Whether the talks are done inside the car on the way to school or to the day care center; or while being in the comforts of the dinner table; these are good beginnings for building better relationship with children. These are the times when they talk about their life in school or some incident in the play area. Parents can learn a lot from these small conversations. Often, it is in these conversations when parents find out incidents of bullying, difficulties in school and young crushes. Give a hug There is so much good in giving a child a hug. According to research, touch therapy is very effective in building family relationships especially in building bonds between parents and child. It is a good way in expressing your love and concern for kids. In addition to hugs, small kisses and pats on the back are also crucial in building relationships. Leave messages Another effective way of building good relationships with your children is maintaining constant communication in whatever form you can do this. Parents with mobile phones for instance can keep track of their older children through mobile phones. Messages left in a family bulletin board or posted on the refrigerator are also great ways of maintaining your presence in your childs life. Be with them Despite the busy schedules, make an effort to be there when you do have the time. A once-a-month family getaway can do wonders to building closer family ties. Another effective way in building family relationships is finding a common ground and making compromises not only on your schedules but also on your various interests. It is a good idea to take turns going to your favorite places when out on a family trip. Be there on special occasions School presentations and school games are big things for every child. Whatever role they are playing, whether they are the lone tree in the background or the star of the show; whether they are reserves in a basketball game or the power forward, it is important that parents be there to watch the games and the presentations and support their children in their projects. Your physical presence in these kinds of occasions is crucial in building relationships with your child as your attendance will express to your child that they matter to you and that you are willing to give them a portion of their time. James Monahan is the owner and senior editor of
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Anyone in the world By Donald Ladew If the neighbors Pekinese decides to scare off bad guys at 2:00AM in the morning, and does this every night, and you cant persuade your neighbor to correct the situation, perhaps mediation or arbitration is the answer. After all, going to court seems a bit much, and committing crimes against the little $%%$# is probably counter productive. I say this by way of introducing the fact that your long battle against the Fords or Mercedes of the world isnt at all like getting the neighbors lap dog to be quiet. There are situations where arbitration or a dispute resolution process is entirely appropriate. However we want to say it right up front, after over four thousand five hundred lemon law cases we have almost never seen a case where the vehicle owner benefited from arbitration with a manufacturer. It is an unequal battle that is but one step in a long war. The outcome is inevitable. To engage in this war is equivalent to a middle-aged, non-athletic accountant, dedicated to ribs and beer stepping into the ring with the young Muhammad Ali. You wont even see that sweet left hook coming. Everything is on the side of the manufacturer. Sun-tzu in the "The Art of War" wrote, "Generally in warfare: if ten times the enemies strength, surround them; if five times, attack them; if double, divide them; if equal, be able to fight them; if fewer, be able to evade them; if weaker, be able to avoid them." I hate to be the one to break the news but consumers very definitely fall in the latter two categories. Consumers going into arbitration have fewer soldiers and are certainly weaker. In California two things level the playing field. A strong lemon law - the Song Beverly Act - and very experienced lemon law attorneys. We should have these things, after all California has more cars on the road than any other state. Lets look at a definition of Arbitration: "The process by which the parties to a dispute submit their differences to the judgment of an impartial person or group appointed by mutual consent or statutory provision." With very few exceptions you can forget impartial and mutual consent. If Saddam Hussein offered to arbitrate detente between Islam and Israel, I for one would have problems with the impartiality of his decision. Mr. Hussein will never be found on the moral high ground. Arbitration can be similarly unequal. Fairness, equity and the proper application of the law are what should occur in arbitration. If you want the consumer to accept arbitration that is sponsored by an automobile manufacturer, or where the arbitration organization receives most of its business from automobile manufacturers, then I give you the same answer Israel would give Saddam. "Forget it! Not on your best day, sport!" There are other factors that unfortunately work against arbitration being an equitable solution for consumers with lemon vehicles. Training Professional arbitrators are not necessarily trained in the lemon law, in fact it is far more likely that they have no training in the subject at all. Arbitrators are rarely judges or lawyers. Generally the arbitrator is trained in so-called people skills, how to negotiate and perhaps a smattering of legal knowledge. This is a subject area where a little knowledge is very definitely dangerous. Perhaps the arbitrator imagines he or she can get by on common sense and honesty. If it were true the consumer would seldom lose a case. Are consumers properly prepared for arbitration? How could they be, even if they read the Song Beverly Act, or anything else? Even with all the facts, consumers dont know what to expect. Consumers arent all lawyers. The manufacturer will send a lawyer trained to handle this sort of thing. The manufacturers lawyer may lie; thats correct, lie. Theres not much consumers can do about that except feel miserable. Whether the manufacturer s representatives lie or not, they will present a blizzard of bizarre possibilities, all designed to confuse and dilute the consumers case. Is arbitration binding? There is light at the end of this particular tunnel, however. In California, arbitration is not binding; its just another waste of time. When the ruling is handed down, and the manufacturer is permitted another repair attempt, consumers need not comply, consumers can get a lemon law attorney and put an end to the endless games manufacturers play. Cost Even if the arbitration is paid by the state, what is often ignored is the lost time from work, expenses for experts where expenses are required, copying, and running around to get copies of missing paperwork. Then there is the time spent preparing an oral argument, trying to figure out how to answer the manufacturers defenses. Of course, if the manufacturer runs the arbitration, this is no arbitration at all. How long does it take? If consumers get this far they have often been trying to get the dealer/manufacturer to do something about their car for many months, even years. Arbitration adds another 30-90 days onto to the process. If the car is dangerous to drive what do consumers do? Are they supposed to endanger themselves and their families in an attempt to finally get the problem resolved? Should they do this, especially when there is a better than even chance that more delay will be added into the process by awards of additional repair attempts? This is hardly a fair and equitable solution to the problem. A little known fact All major vehicle manufacturers have networks of dealerships all across the country and even the world. Manufacturers enter into contracts with dealerships. These contracts affect every aspect of sales, maintenance and repair of their vehicles. More frequently than the public ever discovers, there are disputes between dealerships and manufacturers. Dealerships want uniform arbitration procedures and laws to help them deal with these disagreements. Guess who fights any sort of arbitration with dealerships? Exactly! The manufacturers. And yet, the manufacturer touts the benefits of the arbitration/dispute resolution process when it comes to consumers. Whats wrong with this picture? Remember, if the manufacturer wants arbitration, its not good for the consumer: Arbitration does not take place on a level playing field. At Norman Taylor & Associates we have seen enough cases to know this. The two sides have very different goals. Consumers simply want vehicles that work as advertised. The manufacturer does not want to give consumers a refund or replacement for their defective car and then be stuck with a vehicle that is worth half its current value, and may be impossible to fix or to sell. From the manufacturers point of view they have every incentive to make the entire process so difficult that consumers will give up and go away. Dont do it, Mr. and Mrs. Consumer. With professional help you can prevail. Absolutely nothing beats winning a hard fought battle when you are right. Donald Ladew, Staff Writer for Norman Taylor & Associates, is a professional writer and author of numerous articles on quality,customer service issues and many other subjects. This article approved by Norman F. Taylor Esq. For more information about this most important subject, please read Lemon Law - The Standard Reference Guide, by Norman F. Taylor Esq. ISBN 0-9760058-0-8 http://www.lemonattorneys.com or http://www.normantaylor.com For further inquiries, Mr. Ladew may be reached at: donald@normantaylor.com Phone: 818-244-3905. Article Source: http://EzineArticles.com/?expert=Donald_Ladew http://EzineArticles.com/?Arbitration-And-The-Lemon-Law&id=43723 ambien memory
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