Michigan Vacation Spot - Historic White Pine Village Thursday, December 30, 2010

The Lake Michigan shoreline is only a short distance from Historic White pine Village, which lies a few miles South of Ludington on Lower Michigan's Western coast. The "village" is a collection of twenty-five historic buildings and sites that are open to the public for self-guided tours. Combined, these buildings contain thousands of artifacts from days-gone-by, including signs, tools, musical instruments, furnishings and other items. The village also maintains the records for the County Historical Society and will research those records for specific information upon request.

Like all good villages, this one has a Chapel, and it features an organ built in the 1860s. The Chapel is available for rental for private weddings, baptisms and memorial services. There is a one room school (built in 1895) that can still be reserved for classes and otherwise is available for tours; and a town hall (1879) that houses an old fashion ice cream parlour.

The Rose Hawley Museum contains many artifacts including music instruments, tools, housewares, toys and an 1800 vintage camera. Nearby is the first county courthouse which was built in 1849 and moved in the late 1900s to White Pine Village. This was the first frame building in the county and it was constructed from lumber found washed up on the lake shore. Michigan supplied a lot of lumber to the Chicago area in the 1800s, most of which was delivered across Lake Michigan. A number of shipwrecks occurred and there was also the normal loss of a small amount of cargo. This salvaged lumber is what the courthouse was constructed of.

A short stroll away, the Abe Nelson Lumbering museum contains a collection of lumbering tools and memorabilia from the last century. The museum building is in the style of the great lumbering camps that once dotted Michigan's forests and helped rebuild Chicago after the great fire.

The Burns Farmhouse is an original farmhouse from the 1880s complete with furnishings. The Jorissen Barn has been relocated nearby and is an authentic barn from the early part of the century that was built using only wooden pegs to secure the main beams. The farmstead setting also houses the cooper shop and a learning skills center.

Wm E. Anderson's Hardware Store is an exact replica of a turn-of-the-century hardware that operated in Ludington for many years. The store and the inventory on the shelves has been recreated from photographs of the original store.

There is so much more to see than can be described in a short article. A visit to Historic White Pine Village will be a fond memory. This stop probably would not be as much fun for very small children as a trip to the beach--which is only a few miles away--but adults and older children should find a lot to enjoy and learn about.




Billy Oatey grew up in Northern Lower Michigan and has enjoyed hiking and fishing in many places within the State. In his travels around Michigan, he often carries mugs of coffee or bottled water and has seen first hand how disposable plastic bottles are ruining the wild parts of our world. He now sells stainless steel water bottles and travel mugs at his blog http://stainlesssteeltravelmug.org.

The average person can find it difficult to do anything for the ecology, but using recyclable and reusable bottles and cups is something everyone can do easily.

Tribute to the State of Michigan

I have been *really* bored lately and I wanted to do a sort of video presentation for Michigan, the state I live in. It may have a crappy economy right now, but I sure love living here. Hope you enjoy it! :-D Please take a look at my other vids! :-) www.youtube.com Music: Song #1: Looking Glass by Sleepy Rebels Song #2: Kaleidoscope by Sleepy Rebels **UPDATE** WOW over 1000 views! Haha this is so exciting... I never thought the views would get over 500 but... wow!! :-)



http://www.youtube.com/watch?v=1psrRkr7zRc&hl=en

1996 Cadillac Seville #95332 in Cadillac, MI 49601 Wednesday, December 29, 2010

www.autotrader.com Ifyou are looking for real value on a great used car, Godfrey Motor Mall - Chevrolet Buick invites you to come in and test drive this 1996 Cadillac Seville, stock# 95332. We are conveniently located near Cadillac, MI and known for our great selection, reliability and quality. Come take a look at this 1996 Cadillac Seville today. Godfrey Motor Mall - Chevrolet Buick 1701 N Mitchell St Cadillac MI, 49601 231-775-4661 We have been in business for over 30 years, providing Northern & Mid-Michigan customers with the best experience in both new & used sales, service, party & body shop. We offer the finest selection pre-owned vehicles reconditioned to the highest standards. Our new car pricing is straight forward with no hassles. Our service department offers alternate transportation when needed with either rental vehicles or courtesy shuttle. We also have an array of body services like body & paint work on all makes & models as well as dent repair and Rhino liners. Stop into Godfreys today for the Godfrey advantage, your one stop shop for all automotive needs. www.yourgmguy.com What are you waiting for?!!!! Dare to compare!!!! Be the talk of the town when you roll down the street in this low-mileage 1996 Cadillac Seville. With the low mileage and meticulous upkeep on this Seville, you can count on hearing the purr of its engine for years to come. Don't miss out!!!!!!!! Call today!!!!!!!! (231) 775-4661!!!!!!!!



http://www.youtube.com/watch?v=gMy8E2HVH2g&hl=en

Michigan Child Custody Law Explored

Couples in Michigan that are getting divorced will be most interested in Michigan child custody law. This whole process will be tough on both parents. Your financial future and emotional well being will be tested throughout this ordeal. It will be even tougher when children are involved.

In Michigan, once a divorce is applied for, there is a 180 day waiting period. In this time frame, the court may issue a child custody order, which will cover visitation rights.

In the State of Michigan, the court must take into account the "best interest" factors which are part of Michigan law. Some of these are schooling, the mental and physical health or each parent, preferences of the child within reason just to name a few.

As with other states, Michigan child custody law has different directions that can be taken. There is physical custody. This is where the child actually lives. To be considered under the Michigan child custody law the child or children and parents or parent have to live in Michigan. Legal custody in Michigan child custody laws gives the parent who has legal custody the right to make decisions about school, religion and many other factors of your kids life.

There is joint custody where each parent is responsible for the decisions in the children's lives. Each parent is responsible for the support of the child. This is determined by the financial means of both parents. Be aware the joint custody does not do away with the mother or fathers responsibility of child support. Child support is determined by the courts.

The usual circumstances are that the parent that has physical custody will get child support payments from the other parent. This can be off set if you have physical custody of the child and owe alimony. You will just get less or not have to pay anything for child support if is equal to the alimony you are going to get. If you are getting 500.00 in child support but owe 500.00 in alimony. These will offset and no money will change hands.

You must also be aware that child support and/or alimony can be withheld from your pay. It can also be deducted from you income tax refunds. This is probably the best way to handle this as the court will have a record of how much you have paid and are continuing to pay.

In Michigan child custody law the two parents can also enter into a shared agreement. This would be the preferred way to go. The key here is that both parents can put their differences aside and work together for the welfare of their child or children. Mom and Dad share custody. One of the parents may have the child for the work week. The other in the summer. They may split weekends and holidays.

There is a Sole custody agreement too. In this type the parents usually have a reason for doing this. One parent may work shift work and not be able to provide supervision for the child. No matter what the reason, The best interest of the kids need to be kept in mind.




W. Rex has been writing articles for a while. To see his new website over at http://www.Bestportablegenerators.org/ which helps people find the best portable generators to use when they need power.

Why Get An Attorney? Tuesday, December 28, 2010

Why get an attorney? When filing a claim for workers compensation it is important that you find a lawyer who resides in the area you live in. Laws can vary from state to state so if you live in Florida it would serve you no good to find an attorney in Michigan. Living in Iowa would mean that you should find yourself a workers comp lawyer, or one who lives in the surrounding area. This way you can ensure that you will be receiving the right information and the laws are relevant to you and your claim. A workers comp attorney will be able to help you decide if your claim is a valid one, as determining whether you are covered by workers compensation can sometimes be a difficult matter. In general, there are usually two main factors that will determine your status; whether you are an employee and whether the injury you sustained was a result of your employment. Even if both of these factors apply, there is still no guarantee that you will be covered by workers' compensation. For instance, some employers in certain states do not cover workers compensation. Your attorney will be able to advice you accordingly.

Depending on the laws in your particular state you may be able to claim workers comp for an injury received outside of the actual workplace. A lot will also depend upon the specific facts of the individual case. Generally, if the injury occurred or arose "within the scope of employment" then he or she should be covered. This means that if the job entails travel or overnight stays in a hotel, and the injury occurred in the hotel being used for business purposes, compensation may be paid.

Also, if an employee runs an errand that takes him away or outside of the workplace and an injury occurs, compensation may be payable. If however, the employee deviates from that errand due to personal reasons, for instance going home to pick something up, the rules and facts will need to be examined more closely. Likewise if an employee is injured while attending a recreational even sponsored by the employer, such as a company outing or picnic, then compensation might be payable.

In all of these scenarios, as well as any other injury instance at work, the first course of action should be to notify the employer and fill out the claim form given to you. The employer should then submit the forms to the insurance company and the workers compensation agency.

If the employer should contest the claim, your legal advisor will help schedule a hearing and will prepare any evidence and supporting documentation such as medical reports etc, for you. He will present any and all evidence of your injury and its extent at the hearing, and will represent you in any claim or appeal as and when necessary. It is vital to make sure you receive the best legal advice possible, as without it you might end up losing your claim and any possibility of compensation benefits.




Stewart Wrighter recently reviewed the work of a Des Moines workers comp lawyer to review the effectiveness of their work. He hired a Des Moines workers comp attorney to join his law firm.

Automotive Technology Leaders Certificate - Hybrid Vehicles Course Preview Saturday, December 18, 2010

Course Preview for online course available through the University of Michigan. Visit emergingtech.engin.umich.edu for more information.



http://www.youtube.com/watch?v=YOGBbAoQpjg&hl=en

Accounting Software For Private Schools

Accounting software is necessary for private school owners that do not have bursars or accountants in their employ. This software which is tailor-made specially to serve the accounting needs of a school or a group of schools such as nursery, primary and secondary schools would provide solution to the various accounting problems facing some schools, especially, the private schools.

The number of nursery, primary, and secondary schools owned by private individuals is on the increase, especially in the developing countries. A common feature among these private schools is that many of them do not have accountants. What many of the school proprietors do is to simply employ accounts clerks or make their secretaries do some book-keeping work for them. The reason why they do this is to save cost. Consequently, many of such private schools usually end up not having good accounting system. Such acts directly or indirectly bring some negative effects in the management of the private schools.

The good news for these private schools is that we now have accounting software for schools that can equally do the work of accountant where one is not available, or where the available accountant is over loaded with work. The private school owners should consider making use of this software so as to maintain good accounting records in their schools. The use of the software is by far cheaper than the employment of accountants. It is capable of handling the various financial transactions of the private schools, such as receipts and payments. It can also prepare the various accounts for the schools such as the opening statement of affairs, the receipts and payments accounts, the income and expenditure account, and the balance sheet. From the above mentioned accounts, The software can also ascertain the cash balance, the bank balance, the accumulated fund, the surplus if any.

This accounting software will surely provide the private schools with the relevant accounting information needed for efficient running of the schools. It will make an invaluable accounting tool to the private schools in the developing countries in particular, and in fact, to all schools in general.



Price Point Thursday, December 16, 2010

SUVs on sale at Price Point Used Car Supercenter in Traverse City, Michigan. Part of the Bill Marsh Automotive Group www.pricepointcars.com *This ad may be expired. Please visit billmarsh.com to see our current incentives.*



http://www.youtube.com/watch?v=YAIlXtRJRaM&hl=en

FAQ's About Motorcycle Accidents and Answers from Michigan Motorcycle Accident Lawyers

Question: At the time of my Michigan motorcycle accident, I did not have insurance on my motorcycle. Can I still sue the driver who hit me?

Answer: Yes. Michigan law treats motorcyclists differently than individuals driving their own cars without insurance. Thus, an injured motorcyclist, who did not have insurance on his or her bike, may bring a lawsuit against the careless driver who caused the Michigan motorcycle accident.

Question: What is Uninsured Motorist Coverage?

Answer: Uninsured Motorist Coverage is an insurance coverage option that may allow you to recover damages from your own insurance policy, when an at-fault driver did not have insurance or cannot be identified (i.e. hit and run driver). It is a wise idea to carry uninsured coverage, to protect yourself in case you are in this situation when you are in a Michigan motorcycle accident.

Question: Is there a difference between uninsured motorist coverage and underinsured motorist coverage?

Answer: Yes. Underinsured coverage provides an additional means of collecting damages, if you are seriously injured in an accident. It is different than uninsured coverage, which is available when there was no identifiable insurance on an at-fault vehicle. For example, if you carried a policy of $100,000 underinsured coverage and the at-fault driver had a $20,000 liability insurance policy, you could seek up to $80,000 in additional damages from your own insurance company. This applies only after your attorney secures a tender offer of the underlying policy of insurance. As you can see, these claims are complicated and must be handled carefully.

An uninsured endorsement on a policy does not necessarily include an underinsured endorsement. Premature acceptance of an underlying policy in full settlement of your Michigan motorcycle accident claim could deprive you of the right to collect uninsured coverage.

Question: The driver who caused the Michigan motorcycle accident did not have insurance. I did not carry uninsured motorist coverage on my motorcycle, but have it in my motorcycle insurance policy. Can I make a claim for damages I suffered in the Michigan motorcycle accident through my motorcycle insurance?

Answer: Maybe. Your eligibility for uninsured coverage may depend on the specific wording of your Michigan motorcycle insurance policy. You should contact a Michigan motorcycle accident lawyer for help determining what your insurance policy covers.

If you or a loved one was seriously injured in a Michigan motorcycle accident, talk with an experienced Michigan motorcycle accident lawyer.




Attorney Marya Sieminski joined the Law Offices of Sam Bernstein in 2003. She is admitted to practice law in Michigan state courts and in the U.S. District Court for the Eastern District of Michigan. She earned her Bachelor of Science degree at the Massachusetts Institute of Technology and graduated magna cum laude from Wayne State University Law School. Marya has worked as a trial lawyer for 10 years and exclusively represented victims in personal injury litigation and in workers compensation claims. She also was appointed by the Governor to serve on the State of Michigan Workers Compensation Qualifications Advisory Committee.

The Law Offices of Samuel I. Bernstein, our Michigan motorcycle accident and personal injury law firm, has championed the cause of seriously injured Michigan auto accident victims for three generations.

Michigan Personal Injury Claims Tuesday, December 14, 2010

If you have suffered a personal injury due to someone else's fault or negligence, then you should certainly consider the possibility of making a claim under law against the negligent person for all your injuries and sufferings. A claim is a demand for the compensation of all your physical and mental injuries suffered due to someone else's carelessness or negligence. The person responsible for your suffering is liable to compensate you not only for the injuries caused or damages incurred, but also for your medical expenses, for the time lost at work due to the injury, etc.

If you have suffered a personal injury in Michigan, and if you are planning to file a claim for your damages, then as per the state law, you have only three years to file the lawsuit claiming for compensation. If your lawyer is not able to reach an agreement with any involved insurance company, then filing a lawsuit for a claim before the three-year statue of limitations runs out is the best option. The statue of limitations starts running from the day the claim accrues--that is the time when the injury is suffered. Sometimes, it is not reasonably possible to know the cause of the injury or even to know that the injury has occurred until the damage or loss is revealed at some point of time. For example, an error in a will cannot be noticed until the will is executed in its given time period. In such circumstances, the discovery rule of Michigan permits a suit to be filed within a certain limited period of time after the injury is discovered or reasonably should have been discovered.

When filing a personal injury claim, it has to be ensured that the damages claimed truly reflect the extent of the injury or loss. Personal injury claims can be very contentious; as such, it is important to find an experienced personal injury attorney to help you navigate this legal process.




Michigan Personal Injury Lawyers provides detailed information about Michigan personal injury lawyers, Michigan personal injury lawsuit funding, Michigan personal injury law firms, Michigan personal injury laws and more. Michigan Personal Injury Lawyers is the sister site of Florida Personal Injury Lawyers Info.

Meghan Tonjes @ Bands Undone Saturday, December 11, 2010

On April 11, 2010 Meghan Tonjes stopped by Canteen Art Shop + Gallery in Ottawa, Ontario, Canada and performed for Bands Undone. She is a lovely lovely person and equally as great musician. Filmed by www.youtube.com & www.youtube.com www.bandsundone.com http www.meghantonjes.com



http://www.youtube.com/watch?v=3YJ9I_-jWQk&hl=en

Tips on Saving Money!

A recession is a good time to re-assess your finances and start saving. It's never too late or too early to make a start. Nor is the amount you save ever too small! Many people don't save because they think putting away a measly amount every month won't add up to much so why not spend it? But that's really a fallacy. Even if you put away a few dollars a month, at the end of the year, the amount plus interest, can add up to a good amount-definitely enough to put a smile on your face!

How can you cut corners and put a little extra into the kitty for a rainy day, or for your retirement, or even for a vacation! Here are a few simple tips!

Write down your expenses every day! Divide them into categories at the end of the month. You're bound to find some ways to cut down on each category. Prepare a budget and don't live beyond your budget.

Make your credit card payments on time. The late fee is just not worth it.

Pay off creditors who charge you the highest interest rates first! This way you save on high interest charges. Don't accrue amounts on credit cards that have higher interests. Use the lower interest cards more frequently.

Do yourself a favor. Open up a retirement account and deposit some amount of money every month into that account. You'll thank yourself when you reach retirement age. Avoid dipping into this account to pay up expenses.

Refinance your mortgage. Even if you reduce your interest rate by one percent it is more to your advantage to refinance, especially if you are paying high rates of interest based on your not so great credit card scores.

Designate an automatic withdrawal from your salary to a savings account and tell yourself that you will not dip into your savings funds to pay your expenses. Even if you save $50.00 a week you'll have $2600.00 at the end of the year, not counting the interest!

Keep a track of your total debt situation each month. Reminding yourself of how much you are in debt can wisely put a wet blanket on any impulsive spending. Impulse spending accounts for a lot of our expenses. Wait at least 48 hours before spending on items you didn't budget for. Good sense usually prevails!

Don't spend extra income that you get by way of tax refunds, overtime, or gifts. Either use it to pay off your credit cards or put it in your savings.

Avoid eating out at restaurants or buying pre-packaged cooked meals. You'd be surprised at how much you can save by making meals at home. It's easier than you think it is and healthier, too!

And last of all, if you need assistance in debt management, remember there are professional credit card counselors who offer free services. They will help you assess your financial situation and provide you with several options. Perhaps a debt consolidation program may be your best solution to help you be debt free in the quickest possible time. Such services also include education and seminars on how you can efficiently manage your finances so that you never live in debt again!




About the Author: The author Martin Crow has been working in the financial industry for over 10 years. He has a Master's in Business Administration from University of Michigan. He has a keen interest in consumer credit counseling and offers advice on various ways to manage debt through his writing. He has done extensive research on the American consumer and debt trends in the U.S., which makes him an expert of subjects like credit care debt, debt management, personal bankruptcies, debt consolidation, debt settlement, etc.

What is the Average Price of Auto Insurance? Friday, December 10, 2010

How much do the majority of people shell out for auto insurance? That is really a tough question. It is based for the most part on where you reside, instead of on the type of auto you own, as many believe.

If you live in a rural area you will most certainly have lower premiums than someone in the city. There will be a greater chance of an accident if there is more traffic on the road.

Insurers determine the cost of premiums by considering a variety of pertinent factors that include the driver's age;however, the major concern is assessment of the risk that they will have to pay a claim.

The National Association of Insurance Commissioners put together a report stating the typical cost of auto insurance dropped by 1 overall.Seven percent in 2006. They made a list of the 10 most and least expensive states to reside in when considering auto insurance costs. There is a significant difference between the highest and the lowest.

The average expenditure per capita in Washington DC is about a thousand dollars a year. The average in North Dakota is $530, which is less than 50%. If you want to relocate for a lower insurance rate, you may want to consider moving to Iowa, South Dakota, Idaho, Kansas, Nebraska, Wisconsin or North Carolina. You can obtain a comprehensive car insurance policy at an average annual rate of less than $600 a year in all of these states.

However, interestingly enough, the median price for homeowners in North Carolina is more elevated since their coastal region suffers a lot of hurricane damage. There are many factors to think about when you are picking a new place to live.

Among the states that have the most elevated rates are Nevada, Delaware, Florida, New York and New Jersey. Each year, the expenditures in the indicated states top $1000. Different cities also have different rates. The state average rate is driven up by cities with higher rates

Just two years ago, people residing in Detroit could expect to pay over five thousand dollars a year for auto insurance. However, the median amount statewide was under $1000. Michigan is big in size, possessing a lot of rural regions. If you live out in the countryside your premiums will be lower than in a populated area such as Detroit.

Which businesses sell the majority of auto insurances? It may interest you to know which businesses supply the most auto insurance in the United States. Go online to compare quotes from these three as well as many others.




Ian Wright can help you save money on insurance BUT you have to visit: online car insurance quote or http://www.quick-online-insurance-quote.com/cheapest-car-insurance-quotes-online.html.

Choosing the Right Attorney After Your Accident Tuesday, December 7, 2010

If you have ever been in a car accident, then you know just how devastating it can be to absolutely every aspect of your life. In the blink of an eye, you can find yourself painfully injured, without a car, and unable to work. The financial and medical repercussions reach far beyond the split second that you feel the impact. Many people spend years recovering after a car accident, both financially and physically. You can make certain that this does not happen to you by seeking a Miami auto accident attorney that will take your side and get compensation to you as quickly as possible so that you can get on with your normal life.

The first thing you must think about after an auto accident is how you will pay for the medical bills for your care. If you are lucky enough to have excellent medical coverage, then this might not be as devastating for you as it can be for others. Sometimes, however, just the deductibles can be a staggering amount of money. Those that do not have all-inclusive healthcare coverage, or perhaps do not have healthcare insurance at all, must figure out how to repay the hospital for tens of thousands of dollars for x-rays, physician time, and ambulance use. The final cost is often quite shocking.

Next, you will have to figure out how to pay for the damages to your car. If the car is totaled, you just have to write it off as a complete loss. Many people only carry liability insurance on their vehicle, which protects the car that they hit, but not the care that they own. You might think that's enough to get you by, but your first car accident will convince you otherwise. Your lien holder doesn't care if your car still exists. They do care that the loan does.

Consider, also, the amount of work that you will miss due to your injuries. This can result in lost wages that make it hard to pay the bills. If you cannot move around, you will not be able to adequately care for your children or keep your house. In essence, your car accident reaches into the lives of those around you. A Miami auto accident attorney will ensure that you receive the compensation that you are owed, which will relieve much of the financial pressure from you and your loved ones.




David Benenfeld, Esquire has been a member of the Florida Bar since 1994. He specializes personal injury law in the Ft. Lauderdale and Miami, Florida area. Visit InjuryLawService.com for more information on a personal injury lawyer, auto accident attorney or Workers' Compensation lawyer.

Packard Plant Exploration part 1 Saturday, December 4, 2010

Walking around the abandoned Packard Motors plant in Detroit, Mi.



http://www.youtube.com/watch?v=qgVN3ILuKmk&hl=en

Look at me! Look at me! Montage: Funny Face Paintings in motion! (set to music) by James Kuhn Thursday, November 25, 2010

A montage, set to music, of some of my motion face-paintings. Enjoy! Song "Look at me!, Look at me!" Written and performed by Liz Mandville.{and the BluePoints!} www.lizmandville.com Video editing by Al Baby. Check out Sept. Readers Digest, article about me on page 112!!!



http://www.youtube.com/watch?v=mhx6RC8omIM&hl=en

BP Oil Spill = 2 Billion Gallon Field! Jobless Claims Spike! Wednesday, November 24, 2010

Video commentary about a jump in unemployment claims, the consequences of the BP oil spill, what I would do if I were President, the 90 banks that missed TARP Payments, large protest planned at G-20 meeting in Canada, the NBA Finals and more. New jobless claims take surprise jump www.msnbc.msn.com Jobless aid, tax bill hits Senate roadblock again news.yahoo.com More Than 90 Banks Miss TARP Payments www.cnbc.com Spain: the new crisis in Euroland www.independent.co.uk Large protest planned at G-20 meeting in Canada www.businessweek.com Out-of-work job applicants told unemployed need not apply finance.yahoo.com BP Oil Spill: Against Gov. Jindal's Wishes, Crude-Sucking Barges Stopped by Coast Guard abcnews.go.com Hayward estimates size of oil field at 2B gallons www.breitbart.com Gulf Oil Spill Sickness: Cleanup Workers Experience Health Problems, Complain Of Flulike Symptoms www.huffingtonpost.com



http://www.youtube.com/watch?v=CxQOnHHitz0&hl=en

NBC Equipment Part 3 Monday, November 22, 2010

NBC Equipment Video Part 2. By Mark Koernke



http://www.youtube.com/watch?v=26Q2wRg_a0k&hl=en

Free Debt Consolidation Services Monday, November 15, 2010

If you are struggling with debt and in need of assistance. it can be close to impossible to swing paying out yet more money in order to get some help. Fortunately there are Free debt consolidation services available - a number of which would be to your advantage to check out.

Consolidated Credit Counseling Services. INC

Consolidated Credit Counseling Services Inc for example offers everything you need to begin to get your finances back in your control. Their free debt consolidation services cover credit card debt or any other debt problem you are dealing with.

The company was established in the early 1990's and has become an industry leader in credit counseling and debt management programs nationwide. Their whole reason for being is to make it possible for people drowning in debt to end whatever financial crisis they're experiencing so they can get back to their lives, debt free and wiser.

Consolidated Credit Services Inc. helps individuals solve money management difficulties through professional counseling and education. They not only deal with the debt you have now, they teach you how to avoid the pitfalls and mistakes that brought you to them in the first place.

Debt Consolidation Care

Another free debt consolidation service is known as Debt Consolidation Care. Here financial coaches offer advice on consolidation and payday loans, dealing with creditors, collection agencies and more.

The financial advisers can help lower payments and interest, put a stop to collection calls, help you to avoid bankruptcy, end late fees and pay off your debt at once leaving you just one monthly payment to deal with. You'll not only learn how to become free from your crushing debt, you'll acquire the tools and knowledge to take steps to avoid repeating the mistakes of the past so you can live debt free from here on out.

Being deep in debt is one of the worst experiences to have to go through. Free debt consolidation services can help you take care of that debt so you can finally relax and learn to live debt free.




This article was put together by Frank Froggatt, an expert on non-profit debt consolidation If you got it bad and are suffering under a burden of debt, you can begin the process of freedom from financial bondage by visiting mydebtconsolidationsite.us.

Michigan Automobile No-Fault Law - A Primer Saturday, November 13, 2010

Michigan automobile law is a very complex system that few people truly understand. This article gives a brief description of the Michigan no-fault system. If you or a loved one is involved in a car, truck or motorcycle accident, it is important you call a Michigan car accident lawyer for a more detailed description of your rights and benefits.

The central tenant of the Michigan no-fault law is the actual "no-fault" provision found in the law. In almost all situations, a person is entitled to no-fault benefits, even if they caused the accident, so long as the person was involved in a motor vehicle accident.

These no-fault benefits are sometimes called first-party benefits or PIP (personal injury protection) benefits.

At the outset, Michigan auto law is really divided into two separate categories, first-party litigation and third-party litigation. First-party litigation is a claim against an insurance company for no-fault benefits. No-fault benefits pertain to economic damages, such as lost wages and medical bills. A third-party claim is a claim against an at-fault motorist for pain and suffering damages only.

FIRST-PARTY CLAIM:

It is important to understand that just because you do not personally have automobile insurance coverage does not mean you are not entitled to first-party benefits. Passengers, pedestrians, bicyclists, and drivers are examples of people entitled to no-fault first-party benefits. Even without auto insurance, in almost all situations you are still entitled to PIP benefits, as long as a motor vehicle is involved.

The no-fault benefits accident victims are entitled to are extensive. They include, but are not limited to, reimbursement for medical expenses such as doctor and hospital visits, lost wages, household replacement services, attendant (nursing) care, survivor's loss benefits and reimbursement for travel expenses related to medical care.

When opening a first-party claim for no-fault benefits, one must first determine which insurance company is responsible for the payment of these no-fault payment. This is called the order of priority. The order changes, depending on if the person is injured while an occupant of a motor vehicle or a non-occupant - such as a pedestrian or bicyclist. Either way, the first place to start is the injured person's own insurance. If that person carries auto insurance, that auto insurance company is responsible for no-fault payments. The search ends there.

However, if that person doesn't have auto insurance, one next looks to the accident victim's spouse or a resident relative who is domiciled with the accident victim and see who their insurance is with. If auto insurance exists at this level, that insurer is responsible for the payment of no-fault benefits. If no insurance exists at this level, the search continues. Ultimately, all persons who sustain an injury in a motor vehicle accident are protected by the no-fault act, even if this requires the State of Michigan to assign an auto insurer to the accident victim to cover the applicable no-fault benefits.

There is one lone exception to this rule. A claimant who has not purchased insurance for his or her owned vehicle involved in an accident is disqualified from receiving no-fault benefits, because under the law, each vehicle owner must insurer his or her vehicle.

To receive first-party benefits, an accident victim must first complete an Application for No-Fault Benefits. This application must be completed and returned to the automobile insurance company handling the first-party claim within 12 months of the date of the accident. This deadline is compulsory and an accident victim will not be entitled to receive no-fault benefits if the application deadline is not met.

THIRD-PARTY CLAIM:

Under Michigan law, a third-party claim is the typical negligence claim in which an accident victim seeks money damages because of the negligence, or fault, of another vehicle operator or owner. Although auto accidents happen for any number of reasons, typically they involve a driver who was not paying proper attention or was not using due care in operating the vehicle.

In a third-party negligence claim, the plaintiff may sue for pain and suffering damages as long as he or she meets the statutory threshold of death, permanent serious disfigurement, or serious impairment of body function.

The most common and litigated threshold requirement is the serious impairment of body function. This term has undergone numerous legal changes over the years, but essentially the phrase means that a plaintiff must show an objectively manifested impairment of an important body function that affects the plaintiff's ability to lead his or her normal life. An objective manifested impairment requires the plaintiff to show medical proof there is a physical basis for subjective complaints of pain and suffering. As a result, it is difficult to obtain pain and suffering damages for soft tissue injuries.

In addition to pain and suffering, negligent defendants are responsible to accident victims for excess economic loss, regardless of whether or not the accident victim meets the statutory threshold. Thus, even if a plaintiff does not have a serious impairment of a body function, he or she can still recover loss wages and replacement services that exceed the statutory maximum amount available in a first-party no fault claim, or lost wages and replacement services that last beyond the 3 years paid by the PIP no-fault insurance company.

This article is a brief summary of the Michigan no-fault act. If you or a loved one is injured in a motor vehicle accident, please contact an attorney so he or she can advise you on what benefits you may be entitled to.



UMMA: A Meeting Place for the Arts Friday, November 12, 2010

Experience the impact of the expanded and restored University of Michigan Museum of Art. Eight months after reopening the Museum has truly inhabited its promise to be a meeting place for the arts, bridging campus and community.



http://www.youtube.com/watch?v=UX9ag16x4Fk&hl=en

Leelanau Theme Song Tuesday, November 9, 2010

An animated version of the Leelanau Song. Written by Art and Hazel Oberhelman, sung by Amy Hubbell of the Leelanau Enterprise. Animated by students at a TAP workshop ... Find out more about TAP's programs and how you can support kids and art! @ www.theartplace.org



http://www.youtube.com/watch?v=LTYH7MOEHQI&hl=en

Credit Debt Relief Options - Debt Consolidation Vs Settlement Programs Friday, November 5, 2010

The only thing common about the debtors is that they want to get rid of their debt, but every debtor has a different situation and needs a different solution. A solution viable for one debtor might not be the best option for another; so selecting an option to get rid of your debt might cause havoc. Some people might think of going to the debt counseling companies but when you are already in crisis, fee charged by the debt counseling company will only add salt to the wound, but selecting a wrong way out of your debt can cause even more financial loss. Let us discuss two of the very common methods and see which one is better for you:

Debt consolidation is the most feasible option for a debtor who has multiple loans at the same time and he is paying the penalties, interests, mark ups. Debt consolidation means taking one loan to pay all the other loans. This loan can be another unsecured loan but usually when you are already bearing the burden of so many loans getting another unsecured loan might not be easy, that is why this loan is usually a secured loan against an asset usually a house. The benefit of this method is that you have to pay smaller installment and lesser interest.

Debt negotiation or debt settlement is one of the frequently used methods of paying your debts as it is a win-win situation for both; the debtor and the creditor. This method has been around for almost 25 years but is in limelight these days courtesy, the government's recent support. In this method you negotiate with your creditor to agree on a reduced amount that will be considered as a lump sum or in installments. Cyndi Greedes, an American associate professor wrote in her article in New York Times "Done Correctly (debt negotiation) can absolutely help people. Before opting for debt settlement you must keep in mind that it is only available for loans over ten thousand dollars. The best thing about this option is that you can reduce your debt to 70% and can pay in lump sum or in installments according to your comfort.

Remember, choosing the right way leads to the destination but if you take a wrong turn you will only get lost!




Debt settlement is a legitimate alternative to filing bankruptcy. Consumers can expect to eliminate around 50% of their unsecured debt with the help of a legitimate settlement program. With the new FTC laws recently passed in July 2010, debt settlement is a much less risky option. If they don't settle your balance you don't have to pay a dime.

Check out the following link for free help from a certified debt relief specialist:

Free Debt Advice

The Automotive Insider (February 4th, 2009) Wednesday, November 3, 2010

The Automotive Insider (www.theautomotiveinsider) gives insider information, tip, tricks & secrets!



http://www.youtube.com/watch?v=p2VZVpLX8oE&hl=en

How to Find Out If a Radar Detector is Legal Where You Live Tuesday, November 2, 2010

While radar detectors can be a very convenient device to carry in the car with you, whether or not they are legal varies from state to state. It is important to know your state's position on the matter before you decide to use a radar detector.

It is a fairly simple process to discover the rules, and you should understand all rules that relate to radar detectors. It is almost always illegal to carry a radar detector in a business or commercial vehicle, and it is completely illegal to use one on a U.S. military base of any kind, anywhere.

The first place to visit is your state motor vehicle website or office. They will not flag your license plate number if you ask them the question and it will in fact show responsibility on your part, because you've bothered to ask. You may be surprised at the number of people who do not check this information and then claim ignorance when caught.

You can also contact your local police department and they should be able to assist you with a quick yes or no answer. There may be further clarification needed on certain situations so don't be afraid to ask for it. Police are not ignorant to the fact that people use these, and will know whether it's legal in their jurisdiction.

If you travel regularly, then it is your responsibility to find out the rules in other states. This can be done with a simple web search or looking for the appropriate governing body online or via telephone. If you are caught out of state and hit with a fine, ignorance or living in a legal state will not protect you from guilt.

If you are discovered with a radar detector that is not legal, then you will end up receiving two fines - one for speeding if this has been recorded, and another for using the device in the first place. Even if you are not speeding, simply having a radar detector in your vehicle can be an offense so it is best to remove it or conceal it if you're traveling interstate.

While it may be appealing to continue to use the product illegally, you must understand your rights and responsibilities. If you're caught you may also have the radar detector confiscated, which is potentially hundreds of dollars down the drain along with the cost of the fine.

It's also very important to learn of any nuances with the state regulations before you get pulled over. For example, in some states they operate on weight - if your vehicle exceeds a certain weight level, then radar detectors can be illegal.

Also keep in mind that laws can change. What was accurate three years ago may no longer be the case so it's worth checking regularly for updated information. A change in law since the last time you looked into it does not mean you can be exempt from fines. Knowing if a radar detector is legal in your state or those you travel to is your responsibility and therefore worth finding out.




Mark writes on a variety of helpful topics. Here's where you can go to find attorneys that specialize in lemon law at lemon law lawyers California. Also, here is where you can go to learn more about California Lemon Laws.

History Preserved in Beautifully-Written First Book of Series on Upper Michigan's Whitefish Township Saturday, October 23, 2010

Jan Huttenstine has captured the history of Whitefish Point, its Native American residents, early fishermen and lighthouse keepers, cranberry farmers and its maritime history in a way stylistically reminiscent of the great history books written in the mid-twentieth century with a lyrical and poetic prose matched by few historians today. Whether readers are residents of Whitefish Township or have never visited it, they will find themselves wholly engrossed in its history, written as if the author knew intimately ever person mentioned, and they will come to feel as if they have also walked the beaches, worked on the fishing boats, and harvested the cranberry crops of this area rich in history.

In the film "Camelot," King Arthur states, "Sometimes the only vacation spot is the past." What a vacation it is to read this history of Whitefish Township. It is a trip into the past, a time when life was harder, yet simpler, and a harsh climate and remote location built sustaining relationships. I cannot imagine any author could have more completely re-imagined this world and brought history to life for the present reader so perfectly. I find the stories in "Remotely Yours" comforting, awe-inspiring, and satisfying as I became engrossed in the simple lives of hardworking people and then the dedication by later generations to preserve that way of life and its history.

Huttenstine was fortunate in the wonderful sources she found. Little history of Whitefish Township has been written, and Huttenstine had a large task before her to discover information and piece it together-much of that information, such as a cabin logbook, was nearly lost, and much of it only preserved on aged paper in research libraries and in oral interviews that she magnificently assembled to complete a thorough picture of days gone by. Huttenstine ended up actually finding so much unexpected material she decided she would have to write three books. If this first volume of "Remotely Yours" is any indication of what is to come, readers will be eagerly demanding, "When is the next book coming out?" as soon as they finish reading the first.

The story begins where it should-at the beginning with the history of the Native Americans in the area. A great deal of information is provided about the coming of the white man, the natives ceding their land rights through treaties to the U.S. Government, the failure of the United States to live up to its side of the treaties, and the recent triumph of the Bay Mills Indian Community to win back those treaty rights.

The early history of Whitefish Township is told largely through letters and oral histories of residents who knew the early settlers-mainly their children, grandchildren, or nephews. The history of the lighthouses, cranberry farms and first fisheries are all explored, and most memorably, these early settlers are brought to life. Anna Powell is one such settler whom the reader is unlikely to forget as she traveled in the 1870s more than fifty miles by foot to Whitefish Point in winter to visit her two daughters when she was well into her fifties. Other memorable stories take place as recently as the drastic storm that destroyed the "Edmund Fitzgerald" in 1975, and of fishermen trapped on Lake Superior during that storm-just one of many dramatic rescues detailed in the book.

Nature is almost a character in these pages. Huttenstine writes with a clear love for her subject, the beauty, the peace, the wild storms and breaking waves of Lake Superior, the isolation, the blizzards-all combine to make a clear picture of life day-to-day and season-to-season in Whitefish Township. The importance of the area's natural beauty, climate, and geography are clearly outlined from the early nineteenth century to the present day when the Tahquamenon Falls and the Great Lakes Shipwreck Museum invite visitors to experience the Whitefish Point area for themselves.

In the book's preface, Huttenstine informs us that the second volume of "Remotely Yours" will focus on the Tahquamenon Falls area and the sawmill town of Emerson, which was situated on Lake Superior just south of the Tahquamenon River. The history of Paradise and, to its north, the unique milltown of Shelldrake at the mouth of the Shelldrake River will be subjects of the third book.

Readers impatient for the future volumes perhaps will content themselves in the meantime with visiting Whitefish Point if they do not live there, and if they are already residents, they will now appreciate its intricate, rich, and inspiring history all the more. Huttenstine has recreated the past and brought it into the future so it will be enjoyed and hopefully never forgotten. "Remotely Yours" is a delightful historical reading excursion like few others.




Tyler R. Tichelaar holds a Bachelor's and Master's Degree from Northern Michigan University and a Ph.D. from Western Michigan University. His family's long relationship with Upper Michigan and his avid interest in genealogy inspired Dr. Tichelaar to write his Marquette Trilogy: Iron Pioneers, The Queen City, and Superior Heritage. Dr. Tichelaar is also a professional book reviewer and editor. For more information about Tyler R. Tichelaar, his writing, and his author services, visit:
www.MarquetteFiction.com

Courier Company Packing Guidelines

When things aren't packed correctly and a courier company comes to take your delivery, if you haven't followed their guidelines for packing shipments correctly you might be in for a bit of a surprise. First of all, if improper packing causes your package to leak, spill, break open, or do anything else that might affect other packages in the shipment, you can find yourself faced with a fine or a fee from the Chicago courier service that you've been shipping with. On the other hand, if the driver notices right away that you have done something that goes against their rules for packing, he might refuse to pick it up after he sees it. This can greatly slow down your shipping times as you will have to wait for the courier company to have time to allow the driver to come back a second time to finally make the pickup, and if they've already had to refuse your package once, they might not make your pickup on the top of their priority list.

One of the most important parts of packing correctly is something that you might not even be thinking about. Many people think that the only packing guidelines that they have to worry about is ensuring that their breakables don't smash while in transit, but some of the most important rules which the courier company will have laid out for you are those which govern the labeling of your package. A package which is mislabeled in any way is very likely to go astray and not reach your intended destination. This again can delay your shipping times or end up costing you a fee, especially if the courier has to go and pick up the package again after an erroneous delivery.

If you aren't sure about how you should actually go about packing your shipment, ask your courier for a copy of their packing guidelines. Most companies will have a good list that they can give you to let you know what they require as a minimum, and possibly even some suggestions as to how to pack anything that could be in danger of breaking, as a broken delivery isn't only going to present a problem for you with your broken item, but it will also represent an issue for the courier as well. If you stick to the guidelines that they give you, you shouldn't run into any problems packing your goods.




Paul McDuffy is a consultant for courier service in Chicago and delivery Chicago Illinois companies as well as national courier service businesses.

How To Lower Senior Car Insurance Wednesday, October 20, 2010

We all know that insurance companies when approving the rate of your insurance are considering several factors. Age is the most common factor that they look at. Both young and senior car insurance are relatively high in cost. This is because of the following reasons:

1. Younger drivers are more reckless in driving and prone to accidents.
2. Senior drivers need greater medical attention should they be involved in accidents.

Senior drivers need not lose hope in lowering the cost of their insurance. There are some ways that you can do to help you bargain with companies with the cost that would fit your budget. Here is how:

1. Get the same company where you have an existing insurance for your house, etc. Most insurance companies offer bigger discounts for customers who trust them with multiple insurance policies.

2. Credit ratings are also being considered when applying for insurance. So make sure that you keep them high. A declining credit rating would make the company worry if you could pay them reason why they would increase the rates early on your application.

3. As seen by insurance companies, senior driver tends to file claims more often. They are said to be more prone to be involved in accidents and claim from companies even if reasons are shallow. So in order to be able to bargain with your insurance provider, show them that your driving records are clean from any tickets related to reckless driving and other offense that often causes accidents.

It is unavoidable to sometimes get higher rates due to the reasons that companies have and you qualify. But although this is the case, there are still instances that you can try to do things that would be of help when dealing with insurance companies.




Senior car insurance rates of course vary in every car insurance company that is why it is best for you to learn the rates from different insurance companies. You may also be interested in finding cheap student car insurance for your family members.

Michigan CD Rates Monday, October 18, 2010

The great state of Michigan has an interesting slogan, "Water Wonderland." It is recognizable as the state that looks like a mitten or an elephant seal calling to its mate. Sorry, it just depends on your perspective. So do their CD Rates give one an impression of being in a wonderland? Let's check it and see.

We will start with one of the biggest and oldest banks in Michigan. Citizens Bank was established in 1871. Their FDIC# is 986. They are about $11.3BB in assets and employ close to 2000 people. They have a 3-star rating from Bauer. They have a 17-month special at 1.40% or 5-year CD at 3.00%. Those are certainly in line with what can be found in other states.

Isabella Bank is medium size. They were started in 1901; just a few years before Ford introduced the first Model T. Anyway they are about $800MM in size. Their FDIC# is 1005 and they have a four-star rating from Bauer. They don't have rates posted on-line but can you Google them and call easily enough.

Mercantile Bank of Michigan is another one of the larger banks in Michigan. They have about $1.9BB in assets. We actually have worked with this bank for a number of years and have always found them to be helpful and easy to work with. I wish their rates were higher. Bauer currently gives them 2-stars. They don't have rates posted on-line, but the 1-year we are aware of is at 0.60% APY. The 5-year is semi-competitive at 2.75%.

I also wanted to bring you a few credit unions. Advantage Federal Credit Union is based in Brownstown in Mighigan. The short-term CD rates are on the low side. The 1-year is at 0.75% and the 2-year is at 1.15%. The 5-year is up there with other offerings at 3.00% APY. Their NCUA# is 7603. They have a 4-star rating from Bauer.

Credit Union One is based in Ferndale. Their NCUA# is 62562. Their CD Rates are also on the low end. I was really hoping the credit unions would show the banks up. They have a 3-star rating from Bauer. The 1-year CD rate is 1.20% for the top tier ($100,000 and above). The 2Y is 1.70%. The 3-year is 2.15% and the 5-year is 2.90%. Remember with credit unions that you usually have live, work, or worship within their membership area.

Finally a disclaimer. While we do our best to provide accurate information please verify the federal insurance, rates, and ratings with any institution you want to make deposits with.




Chris Duncan is a FINRA Registered Representative. He works for Jumbo CD Investments, Inc., a leading CD research and placement firm. He specializes in helping clients find the highest CD rates nationwide. His clients include individuals, financial institutions, corporations, and public agencies. Visit us for the Best CD Rates

EXPRESS YOURSELF Sunday, October 17, 2010

CENTER LINE HIGH SCHOOL ART CLUB MEETING MARCH 2, 2006 MS WALKER'S ROOM, C101 BRING A FRIEND THERE WILL BE FOOD!



http://www.youtube.com/watch?v=8LodhMhOoIQ&hl=en

A2Yoga - Asanas with Ana - Extended Version Pt. 1 - Ann Arbor Yoga Studio Friday, October 15, 2010

A2Yoga.com = Ana Powell, founder of A2Yoga in Ann Arbor, Michigan, USA. Inspired asanas extended version part 1 of 2 with music by Akira Kosemura http Please see our studio schedule and inquire about our additional wellness services at A2Yoga.com



http://www.youtube.com/watch?v=ILBTfe3zq2o&hl=en

Auto Accident Child Safety Wednesday, October 13, 2010

Travel Safely with Young Passengers in Your Car

The essential safety information for every parent, relative, friend, or caregiver, who may transport an infant or small child in an automobile is to be sure to get the right car seat for your child. When it comes to child restraint systems, one size does not fit all, and each system must be appropriate for the individual youngster's age, weight, and height.

The following are general guidelines about the kind of protection your child may need:

  • Infants up to about 1 year old should travel in a federally-approved infant safety seat that faces the rear of the car. Facing the back of the car protects a baby's fragile head and neck if a car accident occurs. The car seat should be semi-reclined so that the baby's head does not flop forward.

  • Children between 1 and 4 years old can sit in a convertible seat that faces forward, if the car seat is equipped with harness straps to securely hold the youngster in place.

  • A child who outgrows a convertible seat should ride in a booster seat, which will make the safety belt fit better and more comfortably.

  • After a child gets too big for a booster seat, he or she can wear a regular seat belt, but should continue to sit in the back seat until 12 years of age.

Give your child the maximum protection by using the car safety seat properly.

Although about 80% of drivers use child restraint systems, over 70% were incorrectly installed. The most common mistakes were incorrect use of the tethers and harnesses, which will keep the child safely secured in the event of an accident. This puts children at risk, and can easily be avoided, if drivers take the time to follow these simple steps:

  • Study the vehicle owner's manual and car seat instructions carefully.

  • Check to see if you need a special locking clip. Not all standard safety belts will secure a car seat without it.

  • Look for a car seat with a label saying it meets federal motor vehicle standards.

  • Send in the car seat registration card, so that you will get notice of product safety recalls.

  • Get a tight fit - the car seat should not move more than one inch from side to side or forward. To check for proper installation, push and pull on the car seat near the safety belt buckle.

  • Replace a car seat that has been in a crash.




Attorney Marya Sieminski joined the Law Offices of Sam Bernstein in 2003. She is admitted to practice law in Michigan state courts and in the U.S. District Court for the Eastern District of Michigan. She earned her Bachelor of Science degree at the Massachusetts Institute of Technology and graduated magna cum laude from Wayne State University Law School. Marya has worked as a trial lawyer for 10 years and exclusively represented victims in personal injury litigation and in workers compensation claims. She also was appointed by the Governor to serve on the State of Michigan Workers Compensation Qualifications Advisory Committee.

The Law Offices of Samuel I. Bernstein, our Michigan auto accident and personal injury law firm, has championed the cause of seriously injured Michigan auto accident victims for three generations.

'Man v. Food' takes on Fifth Third Burger Tuesday, October 12, 2010

Adam Richman of Travel Channel's 'Man v. Food' was at the West Michigan Whitecaps' game Wednesday night to attempt to eat the Fifth Third Burger.



http://www.youtube.com/watch?v=p-e3-MRcybs&hl=en

NASCAR Nationwide 2010 Race 24 Bristol, Foodcity 250 Part 3 of 10 Thursday, October 7, 2010

Part 3 of 10 - Nascar 2010 Nationwide - Foodcity 250 August 20, 2010 at the Michigan International Speedway the Foodcity 250 was held, The Food City 250 is a NASCAR Nationwide Series stock car race that takes place each August under the lights at Bristol Motor Speedway in Bristol, Tennessee. It is held the night before the Sprint Cup Series Sharpie 500. First held as a 150 lap event, the race has increased in length several times, first to 200 laps in 1985, and to the current 250 laps in 1990.



http://www.youtube.com/watch?v=o7LtKTM4bqE&hl=en

Changes in Mortgage Payments in Chapter 13 Cases Wednesday, October 6, 2010

A Chapter 13 bankruptcy is also called a wage earner's plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years. If the debtor's current monthly income is less than the applicable state median, the plan will be for three years unless the court approves a longer period "for cause." If the debtor's current monthly income is greater than the applicable state median, the plan generally must be for five years. In no case may a plan provide for payments over a period longer than five years. 11 U.S.C. §1322(d). During this time the law forbids creditors from starting or continuing collection efforts.

Problems can arise when a Chapter 13 debtor has their plan confirmed, only to find that their mortgage payment increases because of a variable rate mortgage. On March 24, 2009, the U.S. Bankruptcy Court for the Eastern District of Michigan amended Local Rule 3001-2 in order to "clarify the procedures for administering post-confirmation changes in mortgage payments in chapter 13 cases," amended Local Rule 3001-2. The Rule, as amended, states that in a Chapter 13 case, "a creditor with a claim secured by a mortgage on real property shall file and serve on the debtor a statement of any proposed increase or decrease of periodic payments and file a certificate of service." The creditor must file such a statement no less than 45 days before the proposed effective date of the adjustment of the payment amount. The Rule requires that the statement "fully disclose the calculations on which the adjustment is based." Once such a statement is filed, the debtor (the individual seeking Chapter 13 protection) then has 21 days to object. If an objection is filed, the court will schedule a hearing with notice to the debtor, the creditor and the trustee. Within 14 days after the Court resolves any objections (or within 14 days after the deadline for filing objections passes, whichever is later), the trustee shall file a notice stating whether the plan will still be adequately funded with the current plan payment amount and if not, stating the necessary increase in plan payments. If necessary, the debtor may be required to file a plan modification under Local Rule 3015-2(b) to assure adequate funding of the plan. The Rule, as amended, also creates certain exceptions for creditors whose mortgage payments are "subject to change more frequently than once every six months."

If you are considering bankruptcy, it is important to consult with an attorney who is familiar with your jurisdiction's local rules. Although the Federal Rules of Bankruptcy Procedure are the same throughout the United States, each federal bankruptcy court is also authorized to adopt local rules which clarify or fill voids left by the Federal Rules. The failure to follow local rules can have damaging effects on a bankruptcy proceeding.




Understand everything about bankruptcy at bankruptcy resources, bankruptcy news and bankruptcy info.

Debt Consolidation Companies In Michigan

Debt consolidation companies attempt to get the credit history of a person back on track. Many borrowers find themselves with poor credit rating after accumulating a lot of debts. Debt consolidation is also used as an alternative to declaring bankruptcy. In the state of Michigan, bankruptcy laws are very severe, therefore, debt consolidation is always a better option. To find debt consolidation companies in Michigan is quite easy, as there is at least one such company in every state.

Before choosing debt consolidation companies in Michigan, debtors should look into the company's credibility and past performance, to know their method of dealing with the issue. Debtors must be aware that any negative reports on a person's credit history are removed from the credit report after a period of seven years. This allows a person to correct the mistakes he or she has made, and improve their credit rating now. However, a bankruptcy report stays on the credit history for ten years. This is done to deal more severely with people who mismanage their funds to such an extent that they go bankrupt. However, many such debtors have made efforts to deal with debts by choosing debt consolidation companies. This is even more important in Michigan as the state government does not take defaults or bankruptcy lightly.

Debt consolidation can also be searched for online. Most of them accept debt consolidation applications through their websites, making the whole process easy and convenient. Debt consolidation companies help reduce high payments and can even negotiate with the creditors to lower interest rates. To ensure that too much of debt is not accumulated, debtors are not allowed to apply for or use any more credit while they are working with debt consolidation companies. Debt consolidation goes a long way towards ensuring better credit ratings, which further allows debtors to get better rates than what are regularly offered.




Debt Consolidation Companies provides detailed information on Debt Consolidation Companies, Best Debt Consolidation Companies, Free Debt Consolidation Companies, Non Profit Debt Consolidation Companies and more. Debt Consolidation Companies is affiliated with Free Consolidation Debt Help.

Great Known and Unknown Martial Arts Masters Tuesday, September 28, 2010

Great Martial Artists

There are a number of great martial arts. Many of whom who even thou they may not be widely known by the world they are still at the top of their craft. These are men and women that have meet the challenge. These martial artists have what we call it. They are martial artist that have great levels of knowledge, great levels of skill, true passion for the martial arts and the ability to share their knowledge with others in ways that makes their students passionate about the martial arts. These are just a few of the great martial artist that I have had the honor to know and meet in my life time. These martial arts have training in the styles of karate, jujutsu, sword, sticks, blade and more. Even those so are no longer with us their spirits are still with us and they will live forever through their students and those of us that have been honored to have and have had the opportunity to train. These people also have black belt level students under them.

Master Kanryu Higashionna - Karate
Master Chogun Miyagi - Karate
Master Gogen Yamaguchi - Japanese Goju Karate
Late O Sensei, Master Morihei Uyeshiba - Aikido
Master Richard Kim - Karate
Sensei Mas Oyama - Karate
Shinan Antonio Pereira - Founder of the Mi-Yama Ryu Jujutsu system
Grand Master Peter G. Urban - Founder of American GoJu Ryu Karate
Grand Master Skipper - Founder Bermuda Karate Institute
Grand Master Sekwii Sha - Founder of Shanando Ryu
Master Frank Ruiz - Founder of Nesei Goju Ryu Karate
Master Earl Monroe - Nesei Goju Karate
Professor Florendo M. Vistacion - Founder of Vee-Jitsu & Vee Arnis Ryu,
Grand Master Reno N. Morales - Shijitsu - Jissen - Karate Jutsu
Hanshi Thomas Bennett - House of Goju Ryu Karate
Shinan Hector Negron - Founder of San Yama Bushi Jujutsu
Shihan Reginaldo Brown - Combat Jujutsu Combination Builders
Shihan David Colon - San Yama Bushi Jujutsu
Shihan Darlene DeFour - Harlem Jujutsu
Shihan Gary Gione - Elite Defensive Tactics
Sensei David Drawdy - Japanese Sword
Master Chris Columbo - Kumite Ryu Jujutsu
Shuseki Shihan William Oliver - Seido Karate
Professor Mose Powell - Founder of Sanuce Ryu Jujitsu
Grand Master John (Little John) Davis - Founder of Kumite Ryu Jujitsu
Grand Master Chaka Zulu - Founder of Zujitsu Ryu
Grand Master E.R. Spruiell - Scorpion System of Judo & Ju-Jitsu
Grand Master John Woodbury - Goju Karate
Hanshi Steven Malanoski - Founder of ShobuDo GoJu Jitsu Kai
Hanshi James Price - Founder of Martial Combative Dojo

The story of martial arts is one of determination, respect, and loyalty. It transcends race, culture, age and politics. Our society is a multimillion dollar culture driven high paid athletes, recording artists, movie stars etc., predominates and unconsciously defines for our youth what is considered a legacy. Honestly, we can all benefit in some way knowing about the martial arts and all the great martial artist. We do not know what the next day may bring. Grand Master Peter G. Urban said, "Today Is Now." With that in mind, "It starts today". You are never to old to start your martial arts training. All ages will benefit from martial arts.

There are many true legends living in our mist. Find them and do not wait for their passing to tell their story. They are the foundation of the present, and the inspiration for our future generations. Like some of these, artist listed, their effects positive, they are doers, rather than talkers. How do you know them? The real ones do not care where you place in their article or interviews on TV or in a magazine, web sites, instead they care about the meaning and the substance of the article. They care about their students and arts. These people work, have families, and struggle just like everyone else. Despite, their rise to a higher levels and show us the power and beauty of the martial arts, every day.

No one lives for ever and some people are born yet never really live. These people will live forever as they have shared their spirits and helped many. Martial arts is not about belts or ranks. Martial arts it is about training and inner growth and development.




By Zurriane Bennett

San Yama Bushi & Combination GoJu

School of Self Defense

http://www.sybcg.com

Contempt For Failure to Pay Child, Spousal, Family Support Monday, September 27, 2010

No child, spousal, or family support ordered by the Family Court is paid by the obligor parent or spouse, resulting in contempt of court at the time the support payment was due. A judgment or order made or entered pursuant to the California Family Code may be enforced by the Family Court by contempt in its discretion, under § 290 of the Family Code.

Each month of failure to pay in full, child, spousal, or family support when due constitutes a separate count or charge of contempt, for which punishment is imposed for each count proven, under § 1218.5(a) of the California Code of Civil Procedure.

The period or statute of limitations for commencing a contempt action based on failure to pay child, spousal, or family support is three (3) years from the date that the payment was due, under § 1218.5(b) thereof.

Contempt proceedings are initiated in California by completing and filing Judicial Council Form FL-410, Order To Show Cause and Affidavit For Contempt, and the required Judicial Council attachment, depending on the kind of underlying order issued.

Elements Of Contempt And

Burdens And Standards Of Proofs:

§ 1209.5 of the California Code of Civil Procedure states the elements of civil contempt based on failure to comply with a child support order as follows:

(1) valid underlying support order of a court of competent jurisdiction;

(2) obligor's (contemner's) knowledge of the order through:

(a) proof that the order was made, filed and served on the obligor parent; or

(b) proof that the obligor parent was present in court at the time the order was pronounced; and

(3) noncompliance of the support order, as prima facie evidence of a contempt of court.

These three (3) elements are also stated in In re Ivey (2000) 85 CA9th 793, 803, 102 CR 447, which further held that:

"If the petitioner proves those elements beyond a reasonable doubt the violation is established. He or she need go no further. To prevail on the affirmative defense of inability to comply with the support order, the contemnor (or contemner) must prove such inability by a preponderance of the evidence."

Ability to pay by the alleged obligor (contemner) was not considered an element of contempt because "the failure to pay constituting the contempt occurred shortly after the determination of ability to pay had been made (in the underlying orders)," in In re Ivey, supra, involving a father's failure to pay the mother's pendente lite attorney and expert fees in a criminal contempt action.

Thus, while the proponent (petitioner) of the contempt has the burden of proving the elements of contempt beyond a reasonable doubt (a criminal case standard of proof), the alleged contemner has the burden of proving inability to comply as an affirmative defense by a preponderance of the evidence (a civil case standard of proof).

Types Of Contempt Proceedings

And Sentences Imposed:

Contempt proceedings may be civil or criminal in nature. Civil contempt is governed by §§ 1209-1222 of the California Code of Civil Procedure; while criminal contempt for violation of penal statutes is prosecuted as a crime, under § 166 of the California Penal Code.

Contempt proceedings are considered "civil" in nature, if the contempt judgment coersively subjects the obligor or contemner to imprisonment only until he or she complies with the act(s) ordered by the court. So, a "civil" contemner may be incarcerated indefinitely pending compliance of the contempt order, under § 1218(c) of the California Code of Civil Procedure. But the civil contemner has the "ability to purge" by performing the act(s) ordered.

The lack of "ability to purge" characterizes contempt proceedings as "criminal" in nature. It is punitive, rather than coercive. And a criminal contempt judgment subjects the obligor or contemner to a sentence of fine not exceeding one thousand dollars ($1,000.00), or imprisonment not exceeding five (5) days or both for each count of contempt.

Thus, the potentially indefinite incarceration resulting from a civil contempt judgment arguably renders it more onerous, even more punitive than criminal contempt, under certain circumstances.

But the parties and even the court may not know what type of contempt proceedings they are in, until the particular judgment is pronounced or issued by the court.

The complexities and uncertainties of outcomes of contempt proceedings have relegated contempt as a tactical tool for exacting settlement from the defaulting parent or spouse.




Atty Roman P. Mosqueda is a graduate from Michigan Law School with both a Doctorate of Law and LLM. The Law Offices of Roman P. Mosqueda are a full service law firm that handles all types of cases such as divorce, immigration, bankruptcy, personal injury, and more. Call (213) 252 - 9481 for a free consultation today!

Offices are located at:
Los Angeles: 3055 Wilshire Blvd Suite 425., Los Angeles, CA 90010
(213)252-9481
Riverside: 3797 Tenth Street, Riverside, CA 92501
(951)683-6615
Long Beach: 1043 E.Anaheim St., Long Beach, CA 90813
(562)218-8600

Visit http://www.MosquedaLaw.com for more free articles written by Attorney Mosqueda and more information about his offices.

Commercial Loan Application - An Overview Friday, September 24, 2010

What should you expect during the commercial loan application process? Below is an overview of what to expect and what to be careful of when you begin the process.

The commercial loan application general starts off with a general discussion of what the borrower is trying to accomplish and what potential loan options the commercial lender or broker can provide. Rates are often quoted as well at this point.

Assuming there is a decent match between the two sides the lender or broker will want to get documentation to further formalize the commercial loan application. Typically the lender will want to see three years worth of tax returns, both personal and business, year to date financials such as a profit and loss statement and balance sheet.

Also lenders will need to get a better idea of what the borrower's credit score is and will often ask for a borrowers authorization to pull credit. A business debt summary is often required as well if the business (on owner occupied transactions) has a substantial amount of business debt. The debt summary will include a list of the terms, amortization, rates etc on this various debt.

Often the lender will want the borrower to fill out an actual commercial loan application to make sure they have all of the details correct. Its normally 5- 10 pages long and is a major inconvenience for all involved - but necessary. Once all of the documentation is put together underwriting is ready to sit down and review the total commercial loan application.

It is at this point that the bank will make its initial decision on whether to fund or pass. If they decide to fund to the next step a Letter of Intent aka Term Sheet will be issued, which highlights all of the major terms such as proposed rate, amortization, prepayment penalties, etc.

It is also important to point out that it is at this junction the funding bank will ask for a good faith deposit assuming the borrower is agreeable with the deal. Borrowers should be careful if brokers or lesser known banks ask for large deposits if they haven't yet reviewed the file. That is a big red flag.

A small application fee is one thing; a $5,000 deposit asked for by a broker is another.

What's a normal good faith deposit? The bank will normally want to have in hand enough to cover the outside third party reports such as the appraisal and environmental. The total is normally around $5,000 for general use properties with loan amounts less than $3,000,000. These deposits can be much higher on special use properties, for example hotels where the appraisal normally runs $10,000 or more.

Once the borrower signs off on the LOI and sends in the Good Faith deposit the commercial loan application segment is officially over and the deal is official in process.




Jeff Rauth is President of Commercial Finance Advisors, Inc out of Birmingham, Michigan. He has a STORE for commercial loan brokers. Contracts, spreadsheets, books, etc. Products starting at $4.95! Check it out commercial real estate loans or small commercial loans or commercial loan rates

Personal Injury Law at Michigan Thursday, September 23, 2010

PERSONAL INJURY

The term 'personal injury' is described as any harm caused to a person, such as a broken bone, a cut, a bruise , truck or auto accident, a broken ankle from slipping on a side walk, to spastic paralysis caused through any medical negligence.

A personal injury occurs when someone suffered from some form of injury, either physical or psychological, as the result of an accident or medical malpractice.

A personal injury, physical or psychological, can have long or short term effects. Injury or disease resulting from someone's else negligence is often a very traumatic and worrying experience. You may feel vulnerable and unsure of your own rights and responsibilities, during this difficult time.
Any type of bodily injury as a result of an attack, negligence, or accident can also be categorized as the same, and you can file a lawsuit to recover damages from whoever is responsible for your injuries.

Any type of bodily injury as a result of an attack, negligence, or accident can also be categorized as the same, and you can file a lawsuit to recover damages from whoever is responsible for your injuries.

Personal injury accidents are on the rise. It's estimated that every year more than 90,000 people in the United States die due to personal injuries and even more are injured, but must live with the painful effects of their injury for many years.

Claim For Personal injury

If a person have suffered by a personal injury of any kind, due to incidental or negligence of other party then in that case one have legal or civil right to claim for the injury and track back their life as soon as possible. Making a claim is still a legal procedure and there is far more involved than just filling in a form and then getting the compensated money a few weeks later. Depending on the type of case there are many restrictions and pitfalls to making a claim. The key is to get a solicitor that has experience in your type of claim, that way they can advise you of everything you need to know prior to even starting a case. Figuring out how much your accident injuries are worth, is a critical aspect of any personal injury claim, and it's the part of a claim that is most difficult to determine.

Personal injury claims can be complicated and time-consuming, but with the help of specialist solicitors, the process can be made much more simple and quick. The most common type of personal injury claims are road traffic accidents, accidents at work, tripping accidents, assault claims, accidents in the home, defective product accidents and holiday accidents.

However, many families don't realize that they may be due just compensation under the law for their injuries. Other families are grieving in the midst of a loss and don't realize they may also be due just compensation for the personal injury accident that took their loved one from them.

If you or a member of your family has been the victim of a personal injury accident, you need experienced, competent, and reliable personal injury lawyers. If your family resides in or across Michigan, Hirsch law firm is the First and best option for your personal injury case.

There are two components to any personal injury case, damages and liability.

Most personal injury cases are settled out of court by negotiating with the defendants insurance company. If a negotiation cannot be reached in this manner, a Compliant of Law must be filed in civil court, most often in the States circuit court in the county in which the injury occurred.

When making a personal injury claim, there are statutes of limitation set to define the time between when an injury occurs and when the claim can be filed. These statues vary from state to state and may be different depending on the type of injury involved.




If you want any free advice on any of your personal injury cases or wants to hire an attorney for your case do contact Hirsch law firm http://www.jonhirschlaw.com

Lucy Orta - Body Architecture

Brought to you by UM School of Art & Design. Thursday, December 10, 2009 Trained as a fashion designer but working as an artist since the 1990s, Lucy Orta created architectures with soul. —objects that evoke the need for change, poetically prefiguring reality and suggesting alternative life styles. She has produced numerous interventions and actions, putting on stage crucial themes of the contemporary world: community, social exclusion, dwelling, mobility, sustainable development and recycling. With support from the UM Museum of Art (UMMA), the Museum of Contemporary Art Detroit (MOCAD), and the Chelsea River Gallery. art-design.umich.edu



http://www.youtube.com/watch?v=W7C2DU6vUeE&hl=en

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