Friday, October 26, 2012

Eid prayer timing announced for sheikhupur imam bargah bangla asad abad Dina Jhelum

Eid prayer timing announced for  sheikhupur imam bargah bangla asad abad Dina Jhelum
The biggest congregation will be held at Shia Masjid imam Bargah sheikhupur dina jhelum  at 8.30 a.m

Eid prayers timings announced for Lahore

LAHORE: The Eid-ul-Azha prayers will be offered at over 300 places including big mosques in the city.
The biggest congregation will be held at Badshahi Mosque at 7.30 a.m.
According to schedule issued by the Auqaf Department the timings of prayers are as follow; Jamia Masjid Data Darbar at 7:15 a.m, Masjid Neela Gumbad at 6:30 a.m, Masjid Wazir Khan at 7:15 a.m, Jamia Masjid Auqaf Colony at 6:45 a.m, Jamia Madina Masjid Anarkali 6:45 a.m, Masjid Jamia Ashrafia Ferozepur Road at 7:00 a.m, Jamia Masjid Chowk Dalgiran at 6:30 a.m, Jamia Naeemia Garhi Shahu at 6:30 a.m, 6:30 a.m: Government High School, Baghbanpura, Masjid Eidgah Salamatpura, Jamia Masjid Anwar Shahdra Railway Station, Jamia Masjid Kubra, New Samanabad, Jamia Masjid Rehmania, Qila Laxman Singh, Eidgah Bahawalpur Road Mozang, Jamia Masjid Ghousaia, Chowk Misri Shah. for more visit
At 6:45 a.m: Masjid Madina, Mian Mir Colony, Garden outside Sheranwala Gate, Jamia Masjid Sufaid, Misri Shah, Jamia Masjid Naqshbandia, outside Sheranwala Gate.
At 7:00 a.m: Jamia Masjid Wazir Khan, Jamia Masjid Darbar Hazrat Shah, Abdul Mua'ali, Jamia Mansoora, Jamia Masjid Al-Najm, Rajgarh, Jamia Masjid Shah Inayat, Bhatti Gate, Aitchison College Ground, Government MAO College ground.
At 7:15 a.m: Jamia Masjid Usmania, behind Noori Building Islampura, Eidgah Muhammad Park, and Rajgarh.
At 7:30 a.m: Iqbal Park, Baitul Mukarram Green Town, Masjid Mai Lado, Jamia Masjid Thokar Niaz Baig, Jamia Masjid Qasmia, Mini Market Ground, Gulberg, Onchi Masjid Hanfia Rizvis, Texali gate, Tomb of Jehangir, Jamia Masjid Muhammdia Rizvia, New Shalimar Town.
At 7:45 a.m: Jamia Masajid Hanfia Wapda House, Jamia Masjid Ghousia Chishtia, Morr Samanabad, Jamia Masjid, Akbari Mandi, Jamia Masjid Jamiatul Quraish, Walton Road, Karim Block, Model Town.
At 8:00 a.m: Masjid Jamia Imrania, Gulberg-II For Fiqah-e-Jafria, 7:00 a.m: University Ground, Qasr e Batool, 178-Shahman Colony, Masjid Shah Khurasan Neelum Block, Allama Iqbal Town, Jamia Al-Muntazir, Muslim Town, Jamia Masjid Shia Salam Link Road, Model Town, Jamia Masjid Quds, Sector A-I Township, Jamia Amjuman-e-Muhammadi. (APP)

Selective mobile blackout across Pakistan on Eid day: Malik

Selective mobile blackout across Pakistan on Eid day: Malik
ISLAMABAD: Federal Interior Minister, Rehman A Malik has announced selective cellular blackout on October 27, the first day of Eid-ul-Azha, as a security measure, Geo News reported. ... for more visit

Friday, October 12, 2012

Credit Counseling services can... Reduce your Debts by up to 50%! Reduce or Eliminate Interest! Preserve and rebuild your credit! Stop harassing phone calls!Relieve the pressure of the financial strain! ,Make one low monthly payment! ,Get back to saving money again!

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What is consolidation? Our debt consolidation services are provided by fully qualified experts who will take all of the debts that you have and put them all into one lower payment for you. These consolidation services offer benefits such as lowered interest rates and an affordable monthly payment you can live with -- one that will maintain your good credit without putting you on a bread and water diet. It's all done via the Internet, securely and discreetly. If you like the new lower monthly consolidated payment that you'll be shown by your personal debt counselor you can then discuss enrolling in the debt management program.

You are under absolutely no obligation to use these consolidation services by filling out this form.
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Business Answering Services Outstanding service solutions backed by our amazing people. See Plans & Pricing ,Small Business Answering Services ,24 Hour Live Answering Services

Our goal is to redefine what you expect from a first class telephone answering service provider. We start with outstanding people providing exceptional customer care and then support them with web-enabled, cutting edge technology that enhances their capabilities.
We can relate to the demanding needs of small businesses as we started more than a decade ago as 2 entrepreneurs with a dream, a limited checkbook, and a willingness to do hard work. And over the years we have evolved to serve small businesses to Fortune 500 companies, while never forgetting our roots. We know that providing superior customer care shouldn't be determined by the size of your business. Small businesses seeking first class customer service and specialized small business answering service turn to AnswerConnect.
We understand the importance of answering each call, but not having enough hours in the day to accomplish everything on your agenda. Small business entrepreneurs wear many hats and often can't be there for every call. With AnswerConnect on your side, you keep in touch with your clients whenever the phone rings day or night and offer your customers the high quality, interactive customer service of a large enterprise - without the enterprise level cost structure.
When you partner with AnswerConnect, you gain access to value-added small business

24 Hour Live Answering Services

Routing customers through a confusing phone tree or automatically pushing them into voicemail isn't customer friendly. AnswerConnect Business Support Associates answer telephone calls 24 hours per day, 7 days per week, 365 days per year. Our competence and warm voices enchant our customers and their clients.

We don't take vacation

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We believe business hours are an outdated concept; we lengthen your operating hours to include every hour in the day. Extending your availability with 24 hour phone answering services means fewer missed opportunities and greater customer satisfaction. Instead of turning to your competitor, customers who reach a live person with a great attitude are more likely to stick with you.

California Medical Malpractice Lawyer Dr. Bruce G. Fagel

California Medical Malpractice Lawyer

Dr. Bruce G. Fagel

Over $1 Billion in Verdicts & Settlements

Dr. Bruce Fagel has tried and settled more medical malpractice and negligence cases than any other attorney in California. When The National Law Journal selected “The 10 Top Trial Attorneys in the Nation,” Dr. Fagel was the only medical malpractice attorney listed. Dr. Fagel was nominated eight times by the Consumer Attorneys Association for their prestigious Trial Lawyer of the Year award. He is dedicated to fighting for his clients and getting them the results they deserve.
Dr. Bruce Fagel practiced emergency medicine for 10 years before becoming an attorney and he currently maintains his medical license in California. His track record as a California medical malpractice lawyer and a doctor gives him the edge that is needed for maximum recoveries, awards and settlements in complex California medical malpractice cases.
If you or someone you love has suffered a catastrophic, life-changing injury as the result of the negligence of a doctor, hospital, nurse or other medical professional or facility, call our offices today at 800-541-9376 for a free consultation. Se habla español. All of our cases are taken on a contingency fee basis so there is no cost to you until we succeed. Click here for a video guide to common medical mistakes featuring Dr. Fagel.
Our frequent success at trial leads to a significant advantage when dealing with defense attorneys and insurance companies that represent doctors and hospitals in settlement negotiations. Approximately 95% of the cases filed by our office settle prior to trial due to our reputation and strong trial record. Dr. Fagel is nationally recognized for his success in obtaining two of the top 100 jury verdicts in 2002 and one of the top 100 jury verdicts in 2005 in the United States. Dr. Fagel knows how to deal with doctors and hospitals and the defenses they use. He knows what should and should not happen in the hospital. The firm has successfully resolved more than 700 medical malpractice and negligence cases during our years in practice, most of which involved permanent catastrophic injuries or death. No other firm in California has handled as many medical malpractice cases. With a team of experienced medical malpractice attorneys who share his dedication to aggressively defend clients, our firm has won more than $1 billion in jury verdicts and settlements.
Doctor/Hospital Malpractice
Medical malpractice may be defined as a failure by a medical professional to provide a standard level of care to a patient. This may occur in the initial diagnosis of a patient, when a doctor fails to notice an important symptom or simply does not recognize a serious illness for what it is, possibly discharging the patient or prescribing the wrong treatment. It may also occur before or during any type of medical treatment or in post-operative patient care. Medication errors, surgical injuries, birth injuries, misdiagnosis and anesthesia errors are some of the primary types of medical malpractice cases we handle. We strongly support the belief that patients have the right to receive proper treatment for their medical conditions, whatever they may be. We fight for injured patients and the families of patients who have lost their lives due to medical negligence. Click here to read more about doctor/hospital malpractice.
Why do you need an attorney who only handles complex medical malpractice cases?
Unlike other types of personal injury cases, the facts necessary to prove your case are based on the medical records and testimony of medical experts. Your attorney must understand the facts of medicine and the law to effectively prepare expert medical witnesses whose testimony is necessary for any successful medical malpractice or negligence case.
Ultimately, your attorney must explain the medical and legal issues to the jury and judge to recover the best settlement or verdict. If you want to receive the largest settlement possible, you must have an attorney who has both the experience and track record to represent your case; this is what sets Dr. Fagel apart from the rest.

Contact Dr. Bruce G. Fagel & Associates!

How I pick the doctors I'll sue
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Areas We Serve:

Los Angeles, Orange County, California Kaiser Hospitals, Ventura County, San Bernardino, Fresno, San Francisco, Bay Area, Oakland, San Diego, Santa Clara, San Jose, Sacramento County, Bakersfield, Las Vegas, Nevada, Mission Viejo, Walnut Creek, San Luis Obispo, Lancaster, Palmdale, Palm Desert, Santa Barbara, Riverside, Pomona, Victorville, Kern County, Sonoma, Tulare County, Visalia, Contra Costa County, Alameda County, Riverside, Santa Clarita, Stockton, Yolo County, Santa Ana, Beverly Hills, Newport Beach, San Fernando Valley, Van Nuys, Long Beach, Anaheim, Hemet, Oxnard, Visalia, Santa Rosa, San Joaquin County, Redding, Simi Valley, Visa, Burbank, Glendale, Pasadena, Santa Maria, Modesto, Stockton, Concord, Livermore, Solano County, Woodland Hills, Madera County, El Cajon, Napa Valley, Santa Cruz County, Los Angeles County, Malibu, Thousand Oaks, Valencia, Irvine, Carlsbad, Oceanside, Encinitas, San Diego County, and throughout Northern California and Southern California. - Sitemap of all Pages. Our office also handles medical malpractice cases in Arizona.  plz visit or more inormation

Refinance mortgage, refinancing home loans and should I refinance at this time

Mortgages bump up but remain in refi range

Mortgage rates bounced up from record lows this week after investors became somewhat more optimistic about the job market in the United States. But refinancers can still grab a good deal while rates are near the bottom -- even if they are underwater on their mortgages.
30 year fixed rate mortgage – 3 month trend
30 year fixed rate mortgage – 3 month trend
The benchmark 30-year fixed-rate mortgage rose to 3.59 percent from 3.52 percent, according to the national survey of large lenders. The mortgages in this week's survey had an average total of 0.44 discount and origination points. One year ago, the mortgage index stood at 4.37 percent; four weeks ago, it was 3.81 percent.
The benchmark 15-year fixed-rate mortgage rose to 2.88 percent from 2.84 percent. The benchmark 5/1 adjustable-rate mortgage rose to 2.68 percent from 2.67 percent.

Weekly national mortgage survey

Results of's Oct. 10, 2012, weekly national survey of large lenders and the effect on monthly payments for a $165,000 loan:
 30-year fixed15-year fixed5-year ARM
This week's rate:3.59%2.88%2.68%
Change from last week:+0.07+0.04+0.01
Monthly payment:$749.24$1,129.96$667.50
Change from last week:+$6.47+$3.15+$0.87
Rates began to climb slowly from their lows Oct. 5 after the U.S. Department of Labor released its monthly jobs report, which showed the unemployment rate unexpectedly fell to 7.8 percent in September.
The report is closely watched by investors, who like to keep their fingers on the pulse of the economy. When investors feel more confident about the economy, they seek riskier investments, and mortgage rates tend to rise.
"There's a lot of controversy over the (unemployment) number, but it's still a headline-grabbing number, and headlines move markets," says Michael Becker, a mortgage Banker at WCS Funding in Baltimore.
The economy gained 114,000 new jobs in September. That's far from perfect, considering at least 150,000 new jobs are needed just to keep up with population growth. But the report was perceived as positive because the jobless rate fell below 8 percent after it was stuck between 8.1 percent and 8.3 percent for eight months.
The jobs report isn't the only factor to blame for the higher rates on mortgages, Becker says.
"Any time rates dip as low as they did, they are bound to go back up," he says.

Underwater borrowers finally benefit from low rates

Last week's record-low mortgage rates kept lenders busy as they processed refinance applications from homeowners, including those who owe more than what their homes are worth.
The revamped version of the Home Affordable Refinance Program, or HARP 2.0, that went into effect earlier this year allows homeowners to refinance eligible Fannie Mae and Freddie Mac loans, regardless of how deep underwater they are.
Even with HARP 2.0, many homeowners continued to face obstacles when they applied to refinance because some lenders kept their internal caps on underwater loans, usually 125 percent to 150 percent of a home's value.
Fannie recently issued guideline clarifications on HARP loans, which made some lenders and mortgage companies confident enough to lift their restrictions on HARP loans.
"We have a much higher level of comfort with the new guidelines that were put in place. They are much more specific," says Rob Nunziata, president of FBC Mortgage in Orlando, Fla., which removed the cap on its HARP loans a couple of weeks ago.
Nunziata says he is still swamped with applications from borrowers who want to refinance through HARP.

Homebuyers prepare to shop

Homebuyers also want to take advantage of the low rates, say Bob Moulton, president of Americana Mortgage Group in Manhasset, N.Y. He has noticed increased interest from potential buyers seeking mortgage preapprovals as they start shopping for a home.
"There are a lot of people looking to buy who are sending in their documents to get ready for when they find a home," Moulton says. "Winter is a pretty good time to buy. In the spring when the houses are showing well, people try to sell for higher prices."
How much time do borrowers have left?
There's no question that rates will eventually climb higher, but if you are not ready to refinance or buy yet, there's no need to panic. Mortgage specialists say they don't expect any major increases in mortgage rates, at least until the election.
Keep in mind that the Federal Reserve is spending about $40 billion a month in purchases of mortgage bonds, and that will help keep rates low for now -- but not forever.
"Honestly, I don't think much is going to happen in the (next) week or two, but I wouldn't get too complacent," Moulton says. "Normally, if rates do spike, we don't get any advance notice."

Criminal Attorney Experience

Criminal Attorney Experience

When it comes to criminal law cases, an experienced and effective criminal defense attorney can mean the difference between a prison sentence and reduced or dismissed charges. The lawyers of Imhoff & Associates are dedicated to defending the rights of the accused and our criminal defense attorneys are committed to the presumption of innocence. Even in less serious cases, a good criminal defense attorney can make a serious impact on the outcome of the case by ensuring that the rights of the accused are protected throughout the legal process. For these and other reasons, it is vital that those accused of a crime select the most competent, experienced and effective attorney available.
If you have been accused of a crime, please contact us today for a free consultation with an aggressive and resourceful criminal defense attorney. We will work tirelessly to ensure the best possible outcome for your case. We are available 24 hours a day, 7 days a week to assist you with your criminal legal matter.

Compare California Mortgage Rates

  • 3.127% APR
  • 3.125% Rate

  • 30 year fixed
  • $1,028 /mo
Total Fees
What's this?
Appraisal fee$434
Credit report fee$23
Tax related service fee
Underwriting fee$875
Wire transfer fee$17
Lender Credit-$900
*Third party fees may not be included.
Profile picture for la4785
  • Larry  Andrade
  • TrueCompass Lending Corporation
  • (17 Reviews)
  • (888) 404-2027
    Rate Details
    Date submitted:October 11, 2012 02:00PM PDT
    Loan amount:$240,000
    Down payment:$60,000
    Loan product:30 year fixed
    Interest rate:3.125%
    Assumed rate lock:30-day
    Note due in:30 years (360 months)
    Pre-payment penalty:No
    Monthly Payment (Estimated by Zillow)
    Principal & interest$1,028
    Property taxes (estimated)$150
    Homeowners ins. (estimated)$78
    Mortgage ins. (estimated)N/A
    Total Spent
    True Cost
    What's this?
    Mortgage ins.$0
    Principal paid $56,698


What is cord blood?,Why do we need to have cord blood donated topublic cord blood banks?,What are the advantages of cord blood?,Why is cord blood important for ethnic minorities?,Are there any unfavorable aspects of cord blood? ,What is cord blood used for?How long does cord blood remain viable?

What is Cord Blood?

After a baby is born and the umbilical cord is cut, some blood remains in the blood vessels of the placenta and the portion of the umbilical cord that remains attached to it. After birth, the baby no longer needs this extra blood. This blood is called placental blood or umbilical cord blood: "cord blood" for short.
Cord blood contains all the normal elements of blood - red blood cells, white blood cells, platelets and plasma. But it is also rich in hematopoietic (blood-forming) stem cells, similar to those found in bone marrow. This is why cord blood can be used for transplantation as an alternative to bone marrow.
Cord blood is being used increasingly on an experimental basis as a source of stem cells, as an alternative to bone marrow. Most cord blood transplants have been performed in patients with blood and immune system diseases. Cord Blood transplants have also been performed for patients with genetic or metabolic diseases.  More than 80 different diseases have been treated to date with unrelated cord blood transplants. [Click here to see a list of diseases treated with cord blood from the NYBC's National Cord Blood Program (PDF)]
Scientists are investigating the possibility that stem cells in cord blood may be able to replace cells of other tissues such as nerve or heart cells. Whether cord blood can be used to treat other kinds of diseases will be learned from this research.
1. Cord blood donated to a public bank provides another source of hope for patients who have no matching donor in their own family, no unrelated donor in bone marrow donor registries that is a suitable match or no time to find a donor. As with bone marrow, cord blood stem cells may be capable of generating all the cellular elements in the blood and immune system.
2. Donated bone marrow or peripheral blood containing mobilized stem cells have been the traditional sources of hematopoietic stem cells for transplantation. Their donors should be closely matched to the recipient; that is, matched at least for the HLA-A, -B, -C and -DRB1 alleles. Since there are usually two alleles for each, in a perfect match, the donor will have the same eight alleles as the patient, an 8/8 match. A perfect match is most likely to occur among family members. Among brothers or sisters of a patient, for example, each has a 25% chance of being a perfect match. Because the average number of children in U.S. families is slightly more than two, about 3 out of 10 patients will find such a match among their own siblings. Other blood relatives also may be well-matched but the chance is much lower.
When no relative is available, some other source of stem cells must be found. Bone marrow from unrelated donors has helped solve this problem for thousands of patients. Marrow donor registries around the world have recruited fourteen million volunteers willing to donate their bone marrow to a perfect stranger. The largest registry in the United States is the National Marrow Donor Program (NMDP) currently, the “Be the Match” Registry, which lists some 5.5 million volunteers.
3. Many patients who need a bone marrow transplant, however, cannot find a suitable donor - no relative that matches and no match among volunteer bone marrow donors. According to a report from the U.S. Government Accounting Office (GAO) released in October 2002, 10,000-15,000 people in the U.S. each year have a disease that could be treated with a transplant, but have no HLA-matched related donor. About one-third of these patients tried to find unrelated marrow donors through the NMDP but only 25% of them (9% of the total who might benefit) actually could get a transplant. The odds were even worse for African-American and other ethnic minority groups. This was one reason for the broad legislative support behind the Stem Cell Therapeutic and Research Act of 2005.
4. A cord blood transplant may not have to be a perfect match to the patient. Adult bone marrow contains immune cells (so-called T-lymphocytes or T-cells) that are “fully mature”. When transplanted, these T-cells may attack the patient's cells as “foreign”, causing a condition called graft vs. host disease (GvHD), which can be severe and even lethal. T-cells in cord blood do not appear to be as "immunologically mature" as those in bone marrow. As a result, cord blood transplants may be less likely than bone marrow to cause GvHD and, when it does occur, it appears to be less severe. [Click here to read more about the advantages of cord blood]. Because cord blood transplants may cause less GvHD, it appears that the match to the patient does not need to be perfect. In fact, most cord blood transplants so far have been 5/6 or 4/6 matches for HLA-A, -B and -DRB1 antigens. This means that patients who cannot find a perfectly matched bone marrow donor may have a chance to find a suitable cord blood transplant. Patients with rare HLA types, African-Americans and members of other minority groups, therefore, could benefit especially from this stem cell resource. [Click here to read about cord blood's significance for ethnic minorities].  for more read

ASBESTOS LAWYER Workers harmed by occupational asbestos exposure have a champion in their Weitz & Luxenberg lawyer

Residents of the U.S. and Canada may file an asbestos claim with our law firm. Watch our informative video about asbestos, lung cancer and mesothelioma.
You may be viewing this website page because you need the mesothelioma legal support of an accomplished asbestos litigation lawyer.
You have come to our firm to take a stand on an important issue. Weitz & Luxenberg has been taking that stand in court since 1986 - and obtaining large verdicts and settlements for asbestos-injured workers.
In a recent case, the lawyers of Weitz & Luxenberg secured a multimillion-dollar jury verdict against an auto giant on behalf of a New York City brake reliner who lost his right lung to mesothelioma.
The auto company had known about the dangers of asbestos since the 1930s. Tragically, however, the employer deceived its workers for decades by failing to inform them about the life-threatening nature of asbestos, a known carcinogen.
Our client's illness was entirely avoidable and our top-notch Asbestos Litigation team was able to prove as much.
Sadly, this case is one of thousands that Weitz & Luxenberg asbestos lawyers have brought to court on behalf of those whose lives have been upended by asbestos.
Many construction workers were exposed to asbestos on a daily basis and were unaware of the lethal dangers, said an asbestos construction lawyer at the firm. The daily toll from asbestos dust exposure is 30 deaths in the U.S., and that rate is expected to increase, according to the Environmental Working Group.
Workers who are ill with asbestos-related diseases such as mesothelioma, lung cancer or asbestosis are hardworking people just like you. People who worked in industries such as motor vehicle production and repair, construction and the textiles industry.
These are people whose families have been robbed of financial security while companies that made, distributed and used asbestos, profited.
Who can fight for these people?
On behalf of those harmed, the asbestos lawyers of Weitz & Luxenberg have filed thousands of cases to help provide financial security, access to medical care and dignity. Weitz & Luxenberg has recovered hundreds of millions of dollars for clients.
What if I don't see a multi-million dollar verdict?
The asbestos lawyers at our firm have succeeded in securing millions of dollars in verdicts and settlements. Beyond those million-dollar awards, still tens of thousands of clients have been able to recover lesser sums but nonetheless money that helps pay for substantial portions of medical costs and other related expenses. Our asbestos lawyers have even obtained financial awards from asbestos companies that were bankrupt.
If you would like a free consultation or more information about your legal options for a mesothelioma lawsuit, please complete the form on this page, and a representative of our mesothelioma law firm will contact you as soon as possible.
If you would like more in depth information regarding asbestos cancer and mesothelioma please visit Your Mesothelioma Web, an aggregate of asbestos and asbestos-related information on the web sponsored by Weitz & Luxenberg P.C.
Get a free copy of our sourcebook, "Mesothelioma, Lung Cancer, Asbestos Litigation And Your Rights."
We also provide a wide variety of information throughout our site, such as pages on our mesothelioma settlements and pages on specific jobs associated with mesothelioma. A mesothelioma lawyer from our firm is here to help.

Discover ASC's Feature-Rich Contract Lifecycle Management Software

ASC Contracts – Contract Lifecycle Management (CLM) Software

Your Contracts, Your Terms, Your Solution

Frustrated looking for paper-based contracts in filing cabinets or employee desks? Bottlenecks in your contract management process but not sure where? Lack of contract status visibility mean missed revenue opportunity and increased contract compliance risks? Contract managers and administrators can easily automate, simplify and improve their contract lifecycle business intelligence, productivity and bottom line with ASC Contracts contract lifecycle management (CLM) online tools.
Find out more about the varying editions or service levels (Lite, Team, Professional and Enterprise) and features of ASC's contract management software solution.

Automated Enterprise Contract Management Software Tools to Decrease Costs & Increase Revenue

ASC Contracts, ASC’s enterprise-grade contract lifecycle management (CLM) software, automates and simplifies buy-side, sell-side, employee, HR and other contract lifecycle business processes associated with creating and managing contracts or legally binding agreements. The online contract management software provides contract managers and administrators with a secure and searchable database for all contract data, the ability to capture contract images, intelligent contract management workflows for contract approvals routing, legal terms and conditions control, as well as support for a wide range of contract management applications and processes such as Traffic Imbalance and cost of goods sold (COGS) in telecom and Environmental Health and Safety (EHS) for energy and utilities. The improved business intelligence and increased productivity provide contract managers with advanced visibility of contract renewal milestones, rate and price increase dates, and penalty terms resulting in decreased contract management costs, penalty avoidance and increased revenue streams. Management of contract lifecycle workflows and processes has never been easier.

Drug Addiction Treatment in the United States

Treatment for drug abuse and addiction is delivered in many different settings, using a variety of behavioral and pharmacological approaches.
Drug addiction is a complex disorder that can involve virtually every aspect of an individual's functioning: in the family, at work and school, and in the community.
Because of addiction's complexity and pervasive consequences, drug addiction treatment typically must involve many components. Some of those components focus directly on the individual's drug use; others, like employment training, focus on restoring the addicted individual to productive membership in the family and society (See diagram "Components of Comprehensive Drug Abuse Treatment"), enabling him or her to experience the rewards associated with abstinence.
Treatment for drug abuse and addiction is delivered in many different settings using a variety of behavioral and pharmacological approaches. In the United States, more than 13,000 specialized drug treatment facilities provide counseling, behavioral therapy, medication, case management, and other types of services to persons with substance use disorders.
Along with specialized drug treatment facilities, drug abuse and addiction are treated in physicians' offices and mental health clinics by a variety of providers, including counselors, physicians, psychiatrists, psychologists, nurses, and social workers. Treatment is delivered in outpatient, inpatient, and residential settings. Although specific treatment approaches often are associated with particular treatment settings, a variety of therapeutic interventions or services can be included in any given setting.
Because drug abuse and addiction are major public health problems, a large portion of drug treatment is funded by local, State, and Federal governments. Private and employer-subsidized health plans also may provide coverage for treatment of addiction and its medical consequences. Unfortunately, managed care has resulted in shorter average stays, while a historical lack of or insufficient coverage for substance abuse treatment has curtailed the number of operational programs. The recent passage of parity for insurance coverage of mental health and substance abuse problems will hopefully improve this state of affairs.

Thursday, October 11, 2012

A Vioxx lawyer has experience dealing specifically with claims

A Vioxx lawyer has experience dealing specifically with claims for injury from taking Vioxx. A Vioxx lawyer deals not only with Vioxx specifically but also has experience dealing with other prescription drug injuries. A lawyer may choose to concentrate on product liability and may specialize in prescription drug injury claims.
A Vioxx lawyer offers many advantages to clients. Having familiarity with drug litigation, injuries,and claims means that a Vioxx attorney will not require as 
A Vioxx lawyer has experience dealing specifically with claims for injury from taking Vioxx. A Vioxx lawyer deals not only with Vioxx specifically but also has experience dealing with other prescription drug injuries. A lawyer may choose to concentrate on product liability and may specialize in prescription drug injury claims.
A Vioxx lawyer offers many advantages to clients. Having familiarity with drug litigation, injuries,and claims means that a Vioxx attorney will not require as much time to research general aspects of the case. This means that in the event of a recall, claims can be processed faster, and injuries compensated more quickly. Vioxx lawyers understand the ways in which the company will attempt to defend itself. Some Vioxx attornneys already have experience working with the legal team employed by Vioxx on any recall claims, giving your Vioxx lawyer insight into the methods used in the defense of Vioxx claims.
An experienced Vioxx attorney can help you decide the best methods by which to protect yourself and your family. Vioxx lawyers understand the medical risks posed by this drug, and the severity of its side effects. A Vioxx lawyer will usually provide a free consultation to determine whether you have a viable case; many Vioxx lawyers prefer if you bring any available medical information to this consultation. If your case qualifies, Vioxx lawyers will work with your doctor to ensure that you are properly represented and protected. Vioxx lawyers are available in almost every part of the country. Use this site to search for and find an attorney near you.

Get Cash Now! J.G. Wentworth can purchase your structured settlement or fixed annuity payments for cash. Don't wait – get your cash in one lump sum.

J.G. Wentworth can purchase your structured settlement or fixed annuity payments for cash.
Don't wait – get your cash in one lump sum.
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 To discover how J.G. Wentworth can help you to Get Cash Now, call 1-866-483-1341 or fill out our Request a Quote form.

car accident lawyer Car and truck accidents make up the bulk of personal injury cases in the U.S. court system,There have been recorded many truck accidents of which have turned to be fatal and caused ,If you have recently been a victim of a bus accident and as a result you have suffered serious

Car and truck accidents make up the bulk of personal injury cases in the U.S. court system. These accidents happen for a variety of reasons – improperly maintained roads, poorly marked signs, and defective parts are just a few examples. The most common reason, however, is driver negligence.There have been recorded many truck accidents of which have turned to be fatal and caused pain to you and your family. You may be facing heavy medical bills, property damage and trauma from a truck accident and you don’t know the way to come to an agreement with your insurance company. If you have recently been a victim of a bus accident and as a result you have suffered serious injuries, the best step to take is to contact a bus accident lawyer. Liability issues may become complicated since buses are mostly owned by government entities.

Christian Debt Consolidation Services

We provide professional Christian Debt Consolidation Management & Consolidation services.
Our Christian Debt Consolidation service is for the individual or family that has become overextended due to high interest rates, medical expenses, job loss, or other factors resulting in high credit card or other unsecured debt. When you use our Christian Debt Consolidation services you will pay significantly less and have more money for yourself each month. You will also receive the benefit of debt consolidation by combining all of your unsecured debt into one simple payment - you will pay off your debt much faster! This is not a loan. No home equity is required!  
Christian Debt Consolidation is proud to have helped thousands of individuals and families stay together by becoming debt free.

Look at some of the benefits you will receive:

Reduce or eliminate high interest rates!
Consolidate your monthly credit cards and other unsecured debt into one simple payment!
Eliminate over-the-limit fees and late charges!
Stop creditor delinquency and end those collection calls!
No hidden fees
Pay off debt quickly
No waiting period to get started
Dramatically lower interest rates
No minimum financial requirements
Prompt professional service
Acceptance regardless if your credit is good, excellent or damaged
Elimination of most creditor late fees and harassing phone calls
Lower monthly payments

Auto Insurance Auto Insurance Quote Forms

Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Insurance Quote (Non-US Citizen)
US Citizen Automobile Quote

Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Request to Add Automobile to Existing Personal Auto Policy
Request to Add Driver to Existing Personal Auto Policy
Request to Remove Vehicle From Existing Personal Auto Policy

Auto Insurance Information

What is auto insurance?Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:
  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why do you need auto insurance?
It's really all about protecting yourself financially.
  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

The Mesothelioma Cancer Alliance is dedicated to serving mesothelioma victims and their families. Read more:

The Mesothelioma Cancer Alliance is dedicated to serving mesothelioma victims and their families.
Malignant mesothelioma is a rare type of cancer that occurs in the thin layer of cells lining the body's internal organs, known as the mesothelium. There are three recognized types of mesothelioma. Pleural mesothelioma is the most common form of the disease, accounting for roughly 70% of cases, and occurs in the lining of the lung known as the pleura. Peritoneal mesothelioma occurs in the lining of the abdominal cavity, known as the peritoneum and pericardial mesothelioma originates in the pericardium, which lines the heart.
An individual may be at risk to develop mesothelioma if he or she was exposed to asbestos in the workplace or at home. Mesothelioma is caused by exposure to asbestos and the inhalation of asbestos particles. In most cases, mesothelioma symptoms will not appear in an individual exposed to asbestos until many years after the exposure has occurred. Those with a past asbestos exposure history experiencing symptoms should consult a physician with experience in accurately diagnosing mesothelioma. The earlier mesothelioma is diagnosed, the more likely it is to be caught at an early stage. At earlier stages of mesothelioma progression, more treatment options are available and oftentimes a better prognosis is given. Additional mesothelioma information and statistics can be found in this section.

A home equity loan is a type of loan in which the borrower uses the equity in

A home equity loan is a type of loan in which the borrower uses the equity in their home as collateral. Home equity loans are often used to finance major expenses such as home repairs, medical bills or college education. A home equity loan creates a lien against the borrower's house, and reduces actual home equity.[1]
Home equity loans come in two types: home equity term, which is a fixed term, and home equity line of credit which is variable.[citation needed]
Most home equity loans require good to excellent credit history, and reasonable loan-to-value and combined loan-to-value ratios. Home equity loans come in two types: closed endHET and open endHELOC. Both are usually referred to as second mortgages, because they are secured against the value of the property, just like a traditional mortgage.[2] Home equity loans and lines of credit are usually, but not always, for a shorter term than first mortgages. Home equity loan can be used as a person's main mortgage in place of a tradition mortgage, however you can not purchase a home using a home equity loan, you can only use a home equity loan to refinance. In the United States, in most cases it is possible to deduct home equity loan interest on one's personal income taxes. In other countries such as Australia, these loans are only tax deductible if the proceeds are used for investment purposes.[3]
There is a specific difference between a home equity loan and a home equity line of credit (HELOC). A HELOC is a line of revolving credit with an adjustable interest rate whereas a home equity loan is a one time lump-sum loan, often with a fixed interest rate. This is a revolving credit loan, also referred to as a home equity line of credit, where the borrower can choose when and how often to borrow against the equity in the property, with the lender setting an initial limit to the credit line based on criteria similar to those used for closed-end loans. Like the closed-end loan, it may be possible to borrow up to an amount equal to the value of the home, minus any liens. These lines of credit are available up to 30 years, usually at a variable interest rate. The minimum monthly payment can be as low as only the interest that is due.
Typically, the interest rate is based on the prime rate plus a margin.  visit

Investment Fraud The Scope of the Problem

The Scope of the Problem

Most consumers invest in traditional offerings--stocks, bonds, and commodities--that are regulated by the Securities and Exchange Commission (SEC), the Commodities Futures Trading Commission (CFTC), and state securities regulators. However, many consumers also invest large sums in less traditional offerings that either are outside SEC and CFTC jurisdiction or subject to shared jurisdiction with the FTC. Among these are investments in tangibles (for example, rare coins, art, precious metals), oil and gas lottery application services, and telecommunications. In investment cases brought by the FTC in 1996, scam artists consistently took thousands of dollars from consumers. Among complaints in the FTC/NAAG Telemarketing Complaint System, investment fraud represents more than half of all consumer dollar injury reported, with an average loss of over $15,000 and losses as high as hundreds of thousands of dollars per consumer. In just two invention promotion cases challenged by the FTC in 1996, defendants took more than $100 million from thousands of consumers over the life of the frauds, following obviously effective advertising on several national cable stations by the fraud promoters.
Investment fraud, like telemarketing fraud in general, often targets older people, who may be least able to afford the hit to their savings accounts. As the AARP and the Consumer Federation of America recently reported to the SEC, "[b]ecause their prime earning years have passed and the sources of extraordinary income may be one-time life events, older Americans are less able to repair the damage when they are the victims of fraud or abuse."(10)
Fraudulent investment promoters typically use aggressive marketing tools such as infomercials and telemarketing to reach consumers. They also flout state and federal securities registration laws. That way, their promotional materials--including profit projections, use of proceeds, and risk disclosures--are not subject to routine regulatory scrutiny.(11) Consumers may believe that a scheme's slick promotional materials with fine-print risk disclosures fully set forth the investment's profit potential and risks. Instead, the Securities and Exchange Commission warns that "investors must be aware that their first line of defense against telecommunications technology and other securities fraud is their own diligence and skepticism in evaluating a proposed investment--especially one not registered with the [Securities and Exchange] Commission."(12)
In addition, fraudulent promoters fill imitation security offerings with "investment opportunities" that mimic the legitimate investments in the headlines. For example, during the telecommunications boom in the mid-1980s, news stories reported that telecommunications businesses were reaping tremendous wealth. Scam artists created investment schemes that imitated legitimate entrepreneurs, and told consumers that their investment offerings were acquiring Federal Communications Commission (FCC) licenses or capitalizing telecommunications systems, such as cellular phone, wireless cable systems, Specialized Mobile Radio, and Interactive Video Data Service companies.(13) Fraudulent promoters falsely touted these ventures as high-profit, low-risk investments, even though they were high-risk, long-term, and capital-intensive.
By late 1995, fraudulent telemarketers were offering to acquire FCC paging licenses for consumers for hefty prices, claiming to put consumers in control of the airwaves so that paging companies would lease or buy the rights to use airwaves from them. Fraud promoters told consumers they could boost their previous "investments" by acquiring new, purportedly profitable, paging licenses. These scam artists published success stories of real investors in these fields to tout fraudulent offerings. Indeed, many defendants in FTC law enforcement actions simply hyped the information superhighway as the primary reason to invest in such offerings. These high-tech investment frauds alone cost consumers millions of dollars--almost 15 percent of all consumer losses reported in the FTC/NAAG Telemarketing Complaint System by December 31, 1996. In recent years, both the FTC and the SEC have brought many individual enforcement actions involving these high-tech investments.

FTC Actions

Significant achievements in the area of investment fraud reflect the FTC's use of collaborative, innovative law enforcement measures and education messages to help fight aggressive and inventive investment fraud:
Project Roadblock
In January 1996, the FTC coordinated federal and state law enforcement actions against fraud promoters peddling FCC paging licenses and 900-number companies as investments. In "Project Roadblock," the FTC and 21 states filed 85 law enforcement actions against companies touting information superhighway investments that took more than a quarter of a billion dollars from consumers.
The FTC and the FCC also launched a consumer education campaign to raise awareness of fraudulent sales of FCC licenses as investments. Using Project Roadblock data, the two agencies determined that fraud promoters had combed a publicly accessible FCC database, identified fraud victims who had become license holders, and "reloaded" them with fraudulent offers of paging licenses. In response to this marketing technique, the FCC and FTC mailed 17,000 brochures to these same people to help them identify and report their losses and alert them to the danger of being "reloaded" in recovery scams. The FCC also included consumer alerts with each FCC license at issue. Consumers got the message: Once the project was completed, reports of suspected FCC license scams increased 397 percent.
Based in part on Project Roadblock data, the FCC eventually suspended the acceptance of paging applications pending further review of its procedures and adjustments to its licensing processes. Said the FCC: "The freeze is necessary to combat telemarketing schemes involving paging application fraud."(14) By the end of 1996, Project Roadblock's law enforcement, consumer education, and FCC reforms had put the lid on a significant source of investment fraud in the 1990s.
Challenging Fraud on the Internet
Old investment fraud schemes turned up in new disguises in 1996. In September, the FTC charged several defendants in FTC v. Fortuna Alliance, L.L.C. et al. with making fraudulent earnings claims in connection with an unlawful pyramid sales scheme. (A pyramid is the investment fraud equivalent of a chain letter. Scam artists circulate investor funds to create the illusion of profits.) Fortuna Alliance induced consumers to invest in its scheme mostly by direct, person-to-person contact. In a '90s twist, it also used its web site, and clone sites of hundreds of members, to promote the scheme throughout the world. This sophisticated use of the Internet significantly enhanced Fortuna's credibility with potential investors and facilitated communications between Fortuna and its widely scattered team leaders. Fortuna could not have achieved widespread success as quickly without the Internet. When the FTC took action, Fortuna had taken in an estimated $13 million from over 25,000 consumers--about half of them outside the U.S.--in about six months.
Following the Money Off-Shore
The Fortuna Alliance case demonstrates that fraud promoters not only market their investments internationally, but transfer their assets across borders as well. The U.S. District Court for the Western District of Washington froze Fortuna's assets, then found three of the individual defendants to be in contempt of its orders because they failed to repatriate Fortuna funds they had transferred to Antigua. The FTC's effort to enforce the Court's asset freeze was accomplished with help from the Washington State Department of Financial Institutions.
In FTC v. Online Communications, et al., another 1996 case, one of the defendants had transferred profits from the allegedly fraudulent, underlying enterprise to the Bahamas prior to the Court's entry of an order freezing the defendant's assets. The U.S. Department of Justice's Office of Foreign Litigation brought action in the Bahamas and obtained an injunction freezing the defendant's assets in the Bahamas.(15) The defendant agreed to settle the case and repatriate over $300,000 to the U.S. This was the first time the U.S. government obtained an asset freeze issued by a foreign court and returned the frozen funds for distribution to American telemarketing fraud victims.
The history of investment fraud demonstrates that fraud promoters look to the mainstream marketplace for ideas to imitate and for ways to induce consumers to invest. Law enforcement officials and consumers need to follow the headlines to forecast likely fraudulent investment schemes in 1997. Based on recent news stories fraud watchers can expect to see "too good to be true" pitches regarding Internet business investments and partnerships to build out new "information superhighway" communications systems. Fraud busters also will be looking for changing regulations affecting investments, because investment fraud promoters take advantage of changes in securities laws and telecommunications rules to come up with new investment fraud strategies.(16)   visit

Auto Removal - Turn Your Car Into A CHARITY CAR

Auto Removal - Turn Your Car Into A CHARITY CAR

  • Are you looking for a quick and easy way to recycle or dispose of a scrap or junk car?
  • Do you have a newer vehicle to donate that would increase your tax deductable giving?
  • Would you like us to pick up your car for free? We provide free car removal towing service.
  • You can make a difference by donating your vehicle to the charity of your choice!
  • Let the memory live on by donating an estate vehicle.
  • Remain environmentally friendly by recycling your car, while contributing to the well being of others.

Donate Your Car. It's Easy!

  • Submit your vehicle information here.
  • We arrange to have your vehicle picked up at no cost to you.
  • We look after all the details to sell or recycle your vehicle.
  • We send a cheque to the charity of your choice and they send you a tax deductable receipt.

Opening the Doors to Charities Nationwide

Donate a Car Canada has now made it easy for ANY Canadian Charity to benefit from vehicle donations nationwide. Most charities are not set up to directly receive vehicles as a form of donation. The process is too complicated, time consuming, and costly for them, thus making it a difficult or impossible form of fundraising.
This simple process makes it possible for more charities to benefit from the generosity of donors like you. We expertly handle all aspects of processing your vehicle; send the net sale proceeds to the charity, and then the charity mails you the tax receipt.

Giving You the Power of Choice!

Supporting charitable organizations is a valued and respected part of our Canadian society. As we realize that people are drawn closer to certain charities and causes, Donate a Car Canada gives you the power of choice in making your generous donation. With many charities to choose from, you can feel satisfied in knowing that you are contributing to the charity that is closest to your heart.

We do MORE than Recycle Your Ride!

While we recycle vehicles in an environmentally friendly manner, we are not just auto recyclers. If you have a newer or estate vehicle that you would like to donate, we have selling agents across the country that are ready to assist in maximizing your donation.
We accept all types of vehicles for donation, new and old. Donate your Car, Truck, Van, SUV, Motorcycle, Boat, or RV.   visit

Note Buyers of America is a direct buyer of private mortgages

Note Buyers of America is a direct buyer of private mortgages, real estate notes, land contracts and trust deeds with over 40 years of industry experience. From Rhode Island to Hawaii, we have the expertise and knowledge to purchase your note in a timely fashion and provide an attractive cash out option. If you are currently receiving payments for a piece of property you sold in this manner and would prefer your cash, we can help - Right Now! Contact us today for a free, no obligation, cash offer on your note, call toll free,

(800) 467-2943

or simply go to the Quote page and complete the brief questionnaire and receive a cash offer within 48 hours.

If you have any questions or concerns about selling your note, call toll free (800) 467-2943 to speak with a knowledgeable consultant. for more ino visit