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The Forgotten Laws.

City Lawsuit — Tue, 05 Jan 2010 15:58:06 +0000

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Revolutioniz: Harness The Hidden Laws Of The Universe.

City Lawsuit — Fri, 01 Jan 2010 15:51:44 +0000

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The Nine Laws of Persuasion

City Lawsuit — Tue, 29 Dec 2009 01:00:18 +0000

There are nine distinct laws of persuasion that govern the human decision-making process. While these laws of persuasion do not universally apply to everyone, they do apply to the greater majority of people that you will encounter. To become a great persuader and to influence people with your communication, you will need to master these nine laws of persuasion.

Persuasion Law #1: The Law of Scarcity
The law of scarcity states that when a person perceives that something or someone they want is in limited quantity, then the perceived value of that which they desire is greater than if it were overly abundant.

Example: If I went to a party with my girlfriend and she picked up an interest in talking to other guys there instead of me, then my interest and perceived value in my girlfriend would increase dramatically because of the implied scarcity that I have attached to her.

Persuasion Law #2: The Law of Reciprocity
The law of reciprocity states that if a persons gives another person something or performs a service of perceived value, then that other person will be so inclined as to give something back of equal value.

Example: If my neighbors invited me over to their house for dinner, then I would be inclined to return the favor by inviting them out to dinner at a later time.

Persuasion Law #3: The Law of Association
The law of association states that people are more likely to accept, try, purchase, or like things which are endorsed by other people we like or have respect for.

Example: Commercial producers always want to use high profile celebrities to endorse their products or services because the majority of the public will associate the celebrity’s popularity with that product and boost sales.

Persuasion Law #4: The Law of Contrast
The law of contrast states that when two items or people are different from each other, we tend to see them as even more different if they are place close together.

Example: I was at a major electronics retailer recently and was purchasing a laptop for $1000. After I committed myself to the purchase, the salesperson offered me an insurance policy for an additional $150 dollars. Afterall, $150 is a small amount compared to the $1000 that I just put down. Fast food restaurants use the same tactic of contrast when they ask you if you want to “super size” your meal for only a buck extra.

Persuasion Law #5: The Law of Expectancy
The law of expectancy states that when a person whom you respect expects you to produce a certain result, then you will tend to work towards fulfilling that expectation, whether the end result is positive or negative.

Example: There was a case that I remember in a hospital where an outpatient was being treated for a minor, non-life threatening ailment, and somehow the patient charts were switched on the poor guy. The doctor came in and looked at the charts and told the otherwise healthy patient that at best he only had a day to live. That guy died the next day.

Persuasion Law #6: The Law of Consistency
The law of consistency states that when an individual announces, either verbally or in writing, that they are taking a position on an issue, then that person will strongly defend that position regardless of its validity or even in the face of overwhelming evidence against it.

Example: When former President Clinton denied that he had “sexual relations” with white house intern Monica Lewinsky, he aggressively defended it despite the fact that the majority of Americans were convinced he had cheated on the first lady and should just own up to it.

Persuasion Law #7: The Law of Power
People who are perceived to have greater strength, fame, expertise, or authority have power over other people who accept this perception of that person.

Example: A doctor has a great amount of perceived power over a patient because of their extensive training. Their word is usually gospel.

Persuasion Law #8: The Law of Friends
The law of friends states that when someone you trust or like asks you to do something, you are strongly motivated to fulfill that request.

Example: If an attractive girl asked a single and available guy for a favor, then that guy would be strongly motivated to fulfill her request.

Persuasion Law #9: The Law of Conformity
The law of conformity states that an individual is more likely to agree to proposals that are well received by the majority of other people in their group.

Example: At a company meeting the CEO asks for a show of hands who likes the new idea. Approximately 85% of the meeting participants raise their hands. John Doe also raises his hand, not because he liked the idea, but because he felt the pressure to conform with the majority of the group.

Tristan Loo is the Founder of the Synergy Institute, a Personal Development Firm based out of San Diego. Tristan is a former police officer, personal development coach, conflict negotiator, and author. Visit the Synergy Institute Website

How Federal Laws About Mortgages Can Be Helpful to You?

City Lawsuit — Sat, 26 Dec 2009 18:00:48 +0000

Real Estate Settlement Procedures Act (RESPA)

RESPA was designed to give home buyers and sellers better disclosure of settlement costs; and to elimination of kickbacks or referral fees that tend to increase unnecessarily the costs of certain settlement services.

Prohibition Against Kickbacks and Referral Fees

12 U. S. C. §2607(a); 24 C. F. R. § 3500. 14(b). RESPA prohibits the giving or receiving of any fee, kickback or other thing of value for the referral of a “settlement service” (defined at 12 U. S. C. § 2602(3) and 24 C. F. R. § 3500. 2).

One court has stated that, in order to state a claim alleging a violation of this section, one must demonstrate:1) an agreement between the parties to refer settlement service business,2) the transfer of a thing of value, and3) the referral of settlement service business. “An agreement or understanding for the referral of business incident to or part of a settlement service need not be written or verbalized but may be established by a practice, pattern or course of conduct. ” 24 C. F. R. § 3500. 14(e).

Yield-spread premiums: A yield spread premium is a fee paid by a mortgage lender to a mortgage broker for arranging a loan with an interest rate at a higher amount than the par rate. Payment of a yield spread premium is not a per se violation of this section, but may be illegal under RESPA based on a factual inquiry into the circumstances surrounding the payment.

HUD (the agency charged with interpretative, investigative and enforcement powers under RESPA) recommends a two-step inquiry to determine whether a yield spread premium is illegal. First, one determines whether the payment of the yield spread premium was for services actually performed; if it is not, then the payment is an illegal kickback. If the payment was for services actually performed, then one looks at whether the total compensation paid to the broker reasonably related to the value of the services; if the compensation does not reasonably relate to the value of the services, the payment is a violation of this section.

Recently, some Courts have fashioned a five-part pleading standard for alleging a YSP-based violation of RESPA, three-part test and on HUD statements:

“(1) the existence of an agreement between the lender and broker whereby the broker promises to refer settlement service business to the lender;

(2) the transfer of a thing of value between the lender and broker based upon that agreement;

(3) the referral of settlement service business by the broker to the lender and either that

(4) the broker received a YSP without providing any goods or services of the kind typically associated with a mortgage transaction or (5) if the broker did provide such goods or services, the total compensation paid to the broker was not reasonably related to the total value of the goods or services actually provided. . As part of pleading (4) or

(5), a borrower must plead what services were offered, the reasonable value of those services, and the fact that total broker compensation exceeded that value. Also, a borrower alleging a YSP-based violation of the Illinois Consumer Fraud and Deceptive Business Practices Act, or a YSP-based breach of fiduciary duty, can only do so by (also) meeting the RESPA pleading standard.

Prohibition Against Unearned Fees and Fee Splitting 12 U. S. C. §2607(b); 24 C. F. R. §3500. 14(c). RESPA prohibits the giving or receiving of “any portion, split or percentage of any charge made or received for the rendering of a settlement services in connection with a transaction involving a federally related mortgage loan other than for services performed. ” The regulations further state that, “A charge by a person for which no or nominal services are performed or for which duplicative fees are charged is an unearned fee and violates this section. ”Remedies

There is a private right of action for violation of § 2607 (Illegal referral fee or kickback and fee splitting). Statutory damages: person charged for the settlement service can recover an amount equal to “three times the amount of any charge paid for such settlement service,” plus attorney’s fees and costs. 12 U. S. C. § 2607(d).

Practice Tip:

The bottom line is that any payment by the lender to the broker is illegal if it is not for the reasonable value of services actually performed. So if you see a high up-front broker’s fee plus a yield-spread premium or other broker fee paid by the lender, there’s a good chance the lender-paid is fee is “unearned gravy” and constitutes a violation.

There is a private right of action for violation of § 2605 (Servicing requirements and administration of escrow accounts). Actual damages for each failure to comply, additional damages for a pattern and practice of noncompliance, plus attorney’s fees and costs. 12 U. S. C. § 2605(f).

Statute of Limitations

• 1 year for affirmative (kickback and fee-splitting) claims. 12 U. S. C. § 2614;• Unlimited as a defense to foreclosure in the nature of a recoupment or setoff.

Malik Ahmad is a Nevada licensed attorney and counselor at law. He is admitted in all courts in the state of Nevada, including US District Court. He has an extensive experience in real estate, including mortgages, escrow, rela estate and foreclosure. He is a solo proprietor and the principal of a small firm in Las Vegas, Nevada

The 11 Forgotten Laws review

City Lawsuit — Fri, 25 Dec 2009 22:58:10 +0000

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What Are the Nevada Laws About Deficiency Judgment?

City Lawsuit — Fri, 25 Dec 2009 09:57:17 +0000

NEVADA MORTGAGE LAWS: In this session, we are going to discuss in somewhat greater details the Nevada Mortgage Laws and how to handle the looming foreclosure crisis which has state of Nevada in the highest ranks in USA.

NRS 40. 430 Action for recovery of debt secured by mortgage or other lien; “action” defined. Nevada has only One Action Law for the recovery of any debt, or for the enforcement of any right secured by a mortgage or other lien upon real estate. That action must be in accordance with the provisions of NRS 40. 430 to 40. 459, inclusive. In that action, the judgment must be rendered for the amount found due the plaintiff, and the court, by its decree or judgment, may direct a sale of the encumbered property, or such part thereof as is necessary, and apply the proceeds of the sale as provided in NRS 40. 462.

What is One Action Rule of Nevada?This section must be construed to permit a secured creditor to realize upon the collateral for a debt or other obligation agreed upon by the debtor and creditor when the debt or other obligation was incurred. A sale directed by the court pursuant to subsection 1 must be conducted in the same manner as the sale of real property upon execution, by the sheriff of the county in which the encumbered land is situated, and if the encumbered land is situated in two or more counties, the court shall direct the sheriff of one of the counties to conduct the sale with like proceedings and effect as if the whole of the encumbered land were situated in that county.

What this One Action Rule Does Not Include?(a) To appoint a receiver for, or obtain possession of, any real or personal collateral for the debt or as provided in NRS 32. 015. (b) To enforce a security interest in, or the assignment of, any rents, issues, profits or other income of any real or personal property. (c) To enforce a mortgage or other lien upon any real or personal collateral located outside of the State which does not, except as required under the laws of that jurisdiction, result in a personal judgment against the debtor. (d) For the recovery of damages arising from the commission of a tort, including a recovery under NRS 40. 750, or the recovery of any declaratory or equitable relief. (e) For the exercise of a power of sale pursuant to NRS 107. 080. (f) For the exercise of any right or remedy authorized by chapter 104 of NRS or by the Uniform Commercial Code as enacted in any other state. (g) For the exercise of any right to set off, or to enforce a pledge in, a deposit account pursuant to a written agreement or pledge. (h) To draw under a letter of credit. (i) To enforce an agreement with a surety or guarantor if enforcement of the mortgage or other lien has been automatically stayed pursuant to 11 U. S. C. § 362 or pursuant to an order of a federal bankruptcy court under any other provision of the United States Bankruptcy Code for not less than 120 days following the mailing of notice to the surety or guarantor pursuant to subsection 1 of NRS 107. 095. (j) To collect any debt, or enforce any right, secured by a mortgage or other lien on real property if the property has been sold to a person other than the creditor to satisfy, in whole or in part, a debt or other right secured by a senior mortgage or other senior lien on the property. (k) Relating to any proceeding in bankruptcy, including the filing of a proof of claim, seeking relief from an automatic stay and any other action to determine the amount or validity of a debt. (l) For filing a claim pursuant to chapter 147 of NRS or to enforce such a claim which has been disallowed. (m) Which does not include the collection of the debt or realization of the collateral securing the debt. (n) Pursuant to NRS 40. 507 or 40. 508. (o) Which is exempted from the provisions of this section by specific statute. (p) To recover costs of suit, costs and expenses of sale, attorneys’ fees and other incidental relief in connection with any action authorized by this subsection.

How Mortgage is Defined Under Nevada Laws?NRS 40. 433 “Mortgage or other lien” defined. A “mortgage or other lien” includes a deed of trust, but does not include a lien which arises pursuant to chapter 108 of NRS, pursuant to an assessment under chapter 116, 117, 119A or 278A of NRS or pursuant to a judgment or decree of any court of competent jurisdiction.

The Judicial Proceedings Are An Affirmative Defense1. The commencement of or participation in a judicial proceeding in violation of NRS 40. 430 does not forfeit any of the rights of a secured creditor in any real or personal collateral, or impair the ability of the creditor to realize upon any real or personal collateral, if the judicial proceeding is:(a) Stayed or dismissed before entry of a final judgment; or(b) Converted into an action which does not violate NRS 40. 430. 2. If the provisions of NRS 40. 430 are timely interposed as an affirmative defense in such a judicial proceeding, upon the motion of any party to the proceeding the court shall:(a) Dismiss the proceeding without prejudice; or(b) Grant a continuance and order the amendment of the pleadings to convert the proceeding into an action which does not violate NRS 40. 430. 3. The failure to interpose, before the entry of a final judgment, the provisions of NRS 40. 430 as an affirmative defense in such a proceeding waives the defense in that proceeding. Such a failure does not affect the validity of the final judgment, but entry of the final judgment releases and discharges the mortgage or other lien. 4. As used in this section, “final judgment” means a judgment which imposes personal liability on the debtor for the payment of money and which may be appealed under the Nevada Rules of Appellate Procedure.

How Surplus Money is Distributed?NRS 40. 440 Disposition of surplus money. If there is surplus money remaining after payment of the amount due on the mortgage or other lien, with costs, the court may cause the same to be paid to the person entitled to it pursuant to NRS 40. 462, and in the meantime may direct it to be deposited in court. FORECLOSURE SALES AND DEFICIENCY JUDGMENTSI have been asked about deficiency judgment many times. In Nevada, the time period for filing a deficiency judgment by your lender is only 6 months. However, they can file this deficiency judgment and can enforce it later against you. I have been asked frequently about the laws of deficiency judgment in Nevada. This is a concise summary of all of the laws of deficiency judgment. Please read carefully and seek the help of a licensed attorney before doing anything or filing any action.

What is an Indebteness?NRS 40. 451 “Indebtedness” defined. “indebtedness” means the principal balance of the obligation secured by a mortgage or other lien on real property, together with all interest accrued and unpaid prior to the time of foreclosure sale, all costs and fees of such a sale, all advances made with respect to the property by the beneficiary, and all other amounts secured by the mortgage or other lien on the real property in favor of the person seeking the deficiency judgment. Such amount constituting a lien is limited to the amount of the consideration paid by the lienholder.

NRS 40. 453 Waiver of rights in documents relating to sale of real property against public policy and unenforceable; exception. Except as otherwise provided in NRS 40. 495:1. It is hereby declared by the Legislature to be against public policy for any document relating to the sale of real property to contain any provision whereby a mortgagor or the grantor of a deed of trust or a guarantor or surety of the indebtedness secured thereby, waives any right secured to him by the laws of this state. 2. A court shall not enforce any such provision.

How Deficiency Judgment is Awarded?NRS 40. 455 Deficiency judgment: Award to judgment creditor or beneficiary of deed of trust. 1. Upon application of the judgment creditor or the beneficiary of the deed of trust within 6 months after the date of the foreclosure sale or the trustee’s sale held pursuant to NRS 107. 080, respectively, and after the required hearing, the court shall award a deficiency judgment to the judgment creditor or the beneficiary of the deed of trust if it appears from the sheriff’s return or the recital of consideration in the trustee’s deed that there is a deficiency of the proceeds of the sale and a balance remaining due to the judgment creditor or the beneficiary of the deed of trust, respectively. 2. If the indebtedness is secured by more than one parcel of real property, more than one interest in the real property or more than one mortgage or deed of trust, the 6-month period begins to run after the date of the foreclosure sale or trustee’s sale of the last parcel or other interest in the real property securing the indebtedness, but in no event may the application be filed more than 2 years after the initial foreclosure sale or trustee’s sale.

What is the Procedure for a Hearing of a Deficiency Judgment in Nevada? NRS 40. 457 1. Before awarding a deficiency judgment under NRS 40. 455, the court shall hold a hearing and shall take evidence presented by either party concerning the fair market value of the property sold as of the date of foreclosure sale or trustee’s sale. Notice of such hearing shall be served upon all defendants who have appeared in the action and against whom a deficiency judgment is sought, or upon their attorneys of record, at least 15 days before the date set for hearing. 2. Upon application of any party made at least 10 days before the date set for the hearing the court shall, or upon its own motion the court may, appoint an appraiser to appraise the property sold as of the date of foreclosure sale or trustee’s sale. Such appraiser shall file with the clerk his appraisal, which is admissible in evidence. The appraiser shall take an oath that he has truly, honestly and impartially appraised the property to the best of his knowledge and ability. Any appraiser so appointed may be called and examined as a witness by any party or by the court. The court shall fix a reasonable compensation for the appraiser, but his fee shall not exceed similar fees for similar services in the county where the encumbered land is situated. NRS 40. 459 Limitations on amount of money judgment. After the hearing, the court shall award a money judgment against the debtor, guarantor or surety who is personally liable for the debt. The court shall not render judgment for more than:1. The amount by which the amount of the indebtedness which was secured exceeds the fair market value of the property sold at the time of the sale, with interest from the date of the sale; or2. The amount which is the difference between the amount for which the property was actually sold and the amount of the indebtedness which was secured, with interest from the date of sale, whichever is the lesser amount. NRS 40. 462 Distribution of proceeds of foreclosure sale. 1. Except as otherwise provided by specific statute, this section governs the distribution of the proceeds of a foreclosure sale. The provisions of NRS 40. 455, 40. 457 and 40. 459 do not affect the right to receive those proceeds, which vests at the time of the foreclosure sale. The purchase of any interest in the property at the foreclosure sale, and the subsequent disposition of the property, does not affect the right of the purchaser to the distribution of proceeds pursuant to paragraph (c) of subsection 2 of this section, or to obtain a deficiency judgment pursuant to NRS 40. 455, 40. 457 and 40. 459. 2. The proceeds of a foreclosure sale must be distributed in the following order of priority:(a) Payment of the reasonable expenses of taking possession, maintaining, protecting and leasing the property, the costs and fees of the foreclosure sale, including reasonable trustee’s fees, applicable taxes and the cost of title insurance and, to the extent provided in the legally enforceable terms of the mortgage or lien, any advances, reasonable attorney’s fees and other legal expenses incurred by the foreclosing creditor and the person conducting the foreclosure sale. (b) Satisfaction of the obligation being enforced by the foreclosure sale. (c) Satisfaction of obligations secured by any junior mortgages or liens on the property, in their order of priority. (d) Payment of the balance of the proceeds, if any, to the debtor or his successor in interest. ? If there are conflicting claims to any portion of the proceeds, the person conducting the foreclosure sale is not required to distribute that portion of the proceeds until the validity of the conflicting claims is determined through interpleader or otherwise to his satisfaction. 3. A person who claims a right to receive the proceeds of a foreclosure sale pursuant to paragraph (c) of subsection 2 must, upon the written demand of the person conducting the foreclosure sale, provide:(a) Proof of the obligation upon which he claims his right to the proceeds; and(b) Proof of his interest in the mortgage or lien, unless that proof appears in the official records of a county in which the property is located. ? Such a demand is effective upon personal delivery or upon mailing by registered or certified mail, return receipt requested, to the last known address of the claimant. Failure of a claimant to provide the required proof within 15 days after the effective date of the demand waives his right to receive those proceeds. 4. As used in this section, “foreclosure sale” means the sale of real property to enforce an obligation secured by a mortgage or lien on the property, including the exercise of a trustee’s power of sale pursuant to NRS 107. 080. NRS 40. 463 Agreement for assistance in recovering proceeds of foreclosure sale due to debtor or successor in interest; requirements for enforceable agreement; fee must be reasonable. 1. Except as otherwise provided in this section, a debtor or his successor in interest may enter into an agreement with a third party that provides for the third party to assist in the recovery of any balance of the proceeds of a foreclosure sale due to the debtor or his successor in interest pursuant to paragraph (d) of subsection 2 of NRS 40. 462. 2. An agreement pursuant to subsection 1:(a) Must:(1) Be in writing;(2) Be signed by the debtor or his successor in interest; and(3) Contain an acknowledgment of the signature of the debtor or his successor in interest by a notary public; and(b) May not be entered into less than 30 days after the date on which the foreclosure sale was conducted. 3. Any agreement entered into pursuant to this section that does not comply with subsection 2 is void and unenforceable. 4. Any fee charged by a third party for services provided pursuant to an agreement entered into pursuant to this section must be reasonable. A fee that exceeds $2,500, excluding attorney’s fees and costs, is presumed to be unreasonable. A court shall not enforce an obligation to pay any unreasonable fee, but may require a debtor to pay a reasonable fee that is less than the amount set forth in the agreement. 5. A third party may apply to the court for permission to charge a fee that exceeds $2,500. Any third party applying to the court pursuant to this subsection has the burden of establishing to the court that the fee is reasonable. 6. This section does not preclude a debtor or his successor in interest from contesting the reasonableness of any fee set forth in an agreement entered into pursuant to this section. 7. As used in this section:(a) “Creditor” means a person due an obligation being enforced by a foreclosure sale conducted pursuant to NRS 40. 451 to 40. 463, inclusive. (b) “Debtor” means a person, or the successor in interest of a person, who owes an obligation being enforced by a foreclosure sale conducted pursuant to NRS 40. 451 to 40. 463, inclusive. (c) “Third party” means a person who is neither the debtor nor the creditor of a particular obligation being enforced by a foreclosure sale conducted pursuant to NRS 40. 451 to 40. 463, inclusive.

RIGHTS OF GUARANTOR, SURETY OR OBLIGOR IN REAL PROPERTY

NRS 40. 465 “Indebtedness” defined. As used in NRS 40. 475, 40. 485 and 40. 495, “indebtedness” means the principal balance of the obligation, together with all accrued and unpaid interest, and those costs, fees, advances and other amounts secured by the mortgage or lien upon real property. NRS 40. 475 Remedy against mortgagor or grantor; assignment of creditor’s rights to guarantor, surety or obligor. Upon full satisfaction by a guarantor, surety or other obligor, other than the mortgagor or grantor of a deed of trust, of the indebtedness secured by a mortgage or lien upon real property, the paying guarantor, surety or other obligor is entitled to enforce every remedy which the creditor then has against the mortgagor or grantor of the mortgage or lien upon real property, and is entitled to an assignment from the creditor of all of the rights which the creditor then has by way of security for the performance of the indebtedness. NRS 40. 485 Interest in proceeds of secured indebtedness upon partial satisfaction of indebtedness. Immediately upon partial satisfaction by a guarantor, surety or other obligor, other than the mortgagor or grantor of a deed of trust, of the indebtedness secured by a mortgage or lien upon real property, the paying guarantor, surety or other obligor automatically, by operation of law and without further action, receives an interest in the proceeds of the indebtedness secured by the mortgage or lien to the extent of the partial satisfaction, subject only to the creditor’s prior right to recover the balance of the indebtedness owed by the mortgagor or grantor.

NRS 40. 495 Waiver of rights; separate action to enforce obligation; available defenses. 1. The provisions of NRS 40. 475 and 40. 485 may be waived by the guarantor, surety or other obligor only after default. 2. Except as otherwise provided in subsection 4, a guarantor, surety or other obligor, other than the mortgagor or grantor of a deed of trust, may waive the provisions of NRS 40. 430. If a guarantor, surety or other obligor waives the provisions of NRS 40. 430, an action for the enforcement of that person’s obligation to pay, satisfy or purchase all or part of an indebtedness or obligation secured by a mortgage or lien upon real property may be maintained separately and independently from:(a) An action on the debt;(b) The exercise of any power of sale;(c) Any action to foreclose or otherwise enforce a mortgage or lien and the indebtedness or obligations secured thereby; and(d) Any other proceeding against a mortgagor or grantor of a deed of trust. 3. If the obligee maintains an action to foreclose or otherwise enforce a mortgage or lien and the indebtedness or obligations secured thereby, the guarantor, surety or other obligor may assert any legal or equitable defenses provided pursuant to the provisions of NRS 40. 451 to 40. 463, inclusive. 4. The provisions of NRS 40. 430 may not be waived by a guarantor, surety or other obligor if the mortgage or lien:(a) Secures an indebtedness for which the principal balance of the obligation was never greater than $500,000;(b) Secures an indebtedness to a seller of real property for which the obligation was originally extended to the seller for any portion of the purchase price;(c) Is secured by real property which is used primarily for the production of farm products as of the date the mortgage or lien upon the real property is created; or(d) Is secured by real property upon which:(1) The owner maintains his principal residence;(2) There is not more than one residen

7 Laws of Attraction – How to Attract What you Want

City Lawsuit — Sun, 20 Dec 2009 19:30:39 +0000

Whatever thought or feeling you project into the universe, it will be brought back to you. This is the essence of the law of attraction. Breakdown of this law into the 7 Laws of Attraction make understanding and application easier. With these 7 Laws of Attraction, you can succeed in whatever you desire to accomplish.

1. The Law of Manifestation

Think of yourself as a fiction writer. Whatever story you think about in your head – any event – becomes true for your character. The same is true for you. Instead of being at the mercy of a writer, you are the one who writes your own story. You write it just by thinking your thoughts. The Law of Manifestation makes your thoughts real.

So be careful what you âwriteâ – because good or bad, the Law of Manifestation manifests it every time.

2. The Law of Unwavering Desire

If you want something so purely and completely and you believe with all your heart that you deserve it, that you must have it, then you can only be sending out the right vibrations for the universe to receive and send back to you. Let no fear or doubts hold you back.

3. The Law of Delicate Balance

Desperation is a negative emotion; and when you are desperate to have something, you may be sending out the wrong signals. It may seem like a contradiction to Law # 2, where desiring is beneficial to the attraction of positive energy towards yourself; but these 2 cases are different. You must strike a delicate balance between the dream you hope to come true, and living contentedly in the moment. Do not make your goal the singular object of your desire that you neglect all other aspects of your life. Just know that it will happen in time and that, while waiting, you need not be so despondent.

4. The Law of Magnetism

In school we were taught that opposite poles attract and like poles repel each other. Not so in this case. Energy is as pervasive as air. It is all around us, even within us, and we ourselves radiate energy, though often we arenât even aware of it. But what we must know is that whatever kind of energy we emitâwhether positive or negativeâis the same kind we attract as it returns to us from the universe. What goes around comes around, as the saying goes.

5. The Law of Synchronization

The universe has much to offer in terms of gifts and gains. These fruits are yours for the taking, if you but align yourself and be in close harmony with the âGiver. â Do not fight the flow or resist the order of things. You are part of a greater whole, not a separate entity; to throw yourself into this realm and bask in it is not only a duty but a birthright.

6. The Law of Universal Influence

Do not take the tiniest of actions for granted. Even the most seemingly harmless of deeds can have influence, for we are all connected and, therefore, what I do affects you to a certain extent, and vice versa. Since you are practically glowing with energy, which vibrates and is carried out into the world, it follows that others will pick up on it and be impacted by it. So exude only the positive.

7. The Law of Conscientious Action

Much like the principle of karma, this Law of Attraction follows the rule, âWhat you sow, you shall reap. â Carry yourself with dignity and act only in a way that is honorableâto yourself and to othersâand the rewards will be plenty.

Try using these 7 Laws of Attraction one day at a time and be amazed at the changes in your life. Everything you have always wanted will come in spades – just like that. And you will find how almost effortless it is to get what you want.

Unleash the hidden power of universal laws of attraction and success to dramatically transform your life! Listen to the free audio at http://www. 20daypersuasion. com/universal-laws. htm

Information of Hotel Industry Laws in India – Part1

City Lawsuit — Fri, 18 Dec 2009 11:54:52 +0000

Introduction

Hotel Industry in India is witnessing tremendous boom in recent years and going through an interesting phase. One of the major reasons for the increase in demand for hotel rooms in the country is the boom in the overall Economy and high growth in sectors like information technology, telecom, retail and real estate. Rising stock market and new business opportunities are also attracting hordes of foreign investors and international corporate travelers to look for business opportunities in the country particularly growth in tourism sector. As hotel industry is inextricably linked to the tourism industry and the growth in the Indian tourism industry has fuelled the growth of Indian hotel industry.

Explosive economic growth in India ignites unquenchable demand for hotel rooms. With huge investments flowing into India for the development of infrastructure such as roads, highways, airports and convention centers, interest in hotel developments is hitting new highs as tourism, business and travel are on the rise.

The booming tourism industry has had a cascading effect on the hospitality sector with an increase in the occupancy ratios and average room rates. And with the continuing surge in demand, many global hospitality majors have evinced a keen interest in the Indian hospitality sector. It is estimated that India is likely to have around 40 international hotel brands by 2011.

Opportunities

The spurt in India’s tourism industry growth has had a ripple effect on its hospitality sector. Rising income levels and spending power combined with the governments open sky policy have provided a major thrust. The industry is growing at a very rapid pace and there is a demand for more rooms both in metros and smaller towns. It is estimated that India is likely to have around 40 international hotel brands by 2011.

India’s booming hospitality industry has transformed into a veritable basket of the choicest of rooms, food and beverage, health and business facilities, travel packages and everything that you can think of. New global entrants are vying with existing local players to provide world-class services at prices suited to every pocket.

An estimated 4. 4 million tourists are expected to visit India with an annual average growth rate of 12% in the next few years. The domestic tourist market is also flourishing. The commonwealth games in 2010 will add to the demand for quality accommodation. The Government of India’s Incredible India destination campaign and the Atithi Devo Bhavah campaign have also helped the growth of domestic and international tourism and consequently the hotel industry.

The opening up of the aviation industry in India has exciting opportunities for hotel industry as it relies on airlines to transport 80% of international arrivals. The government’s decision to substantially upgrade 28 regional airports in smaller towns and privatization & expansion of Delhi and Mumbai airport will improve the business prospects of hotel industry in India. And the upgrading of national highways connecting various parts of India has opened new avenues for the development of budget hotels in India. Taking advantage of this opportunity Tata group and another hotel chain called ‘Homotel’ have entered this business segment.

If you want to read article go to second part of this – Information of hotel industry laws in india – part2.

India Law offices wrote this article on behalf of hotel industry information and Applicable India Law policy. For more information on indian hotel industry opportunities and hospitality industry in india for visit law firms lawyer directory helplinelaw. com.

Universal Laws of Yoga (Part 2)

City Lawsuit — Fri, 18 Dec 2009 08:31:39 +0000

Here are some habits to practice on your journey toward self-perfection. Always remember that you may make some mistakes along the way.

Cultivate love through acts of kindness toward family, friends, and associates. Smile at others and put your “best foot forward. ” This alone will open many doors in life and make your journey a pleasant one. Take time for self analysis by observing your past, future, and present. Visualize what you can change and learn from what you cannot. Meditate, pray, and practice your breathing (Pranayama).

Selfless service for the common good is rewarding for the inner and outer self. You do not have to join a group to help others, but a group will have more ability to help than a single person. Either way, helping others will make you a better person.
Give to charity and share with others when ever it is possible. Giving to others, especially those in need is a universal law. When it is possible to help another person, we should all help.

Forgive others for their wrong doings and let go of the past. Do this for yourself and you will feel a great burden, lifted from you. Carrying a grudge and frowning all day, takes too much positive energy out of you, so leave bad feelings behind.

The following are some habits to avoid. Avoid practicing Yoga for material gain or to acquire psychic powers. Anything of value should be used to help those you can. There is nothing wrong with earning a living or bettering yourself, but you should always help anyone you can.

As a Yoga practitioner, you are an ambassador of Yoga. An “air of superiority” should be avoided by all Yogis and Yoginis. This is seen as arrogance, and arrogance is only needed to bolster the ego. Therefore, be a diplomat, when speaking in terms of Yogic philosophy or vegetarianism.

Remember to practice Yoga as a lifestyle. Yoga is not just practiced in the ashram, in the mountains, on the beach, or behind the exclusive walls of a particular Yoga studio. Yoga can be practiced with acts of kindness, devotion to God, or in a physical practice at your own home.

Give your family, friends, and work your best efforts. Practicing Yoga is part of your life, but you should never abandon your obligations for Yoga. It is much healthier to live a full life and enjoy your family, friends, and work along the way.

We can take the right actions by practicing the following: Meditate daily and take action to focus your thinking, when your mind becomes restless. Remember that Yoga can be practiced anytime because of its mental, spiritual, and physical components.

© Copyright 2006 by Paul Jerard / Aura Publications

Paul Jerard is director of Yoga teacher training at Aura in RI. He’s a master instructor of martial arts and Yoga. He teaches that along with fitness. He wrote: Is Running a Yoga Business Right for You? For Yoga students who want to be a teacher.
http://www. yoga-teacher-training. org/index. html

The Laws of Attraction

City Lawsuit — Thu, 17 Dec 2009 17:30:47 +0000

Many people have heard of the laws of attraction and they would like to know more about the subject. After all, there is so much conflicting advice and information that is out on the internet that it is hard for many people to decipher the truth from the hype.

Most of the hype comes from both internet marketers and the movie, The Secret. Long before the movie ever came out, there had been many writers who had exposed the law of attraction. It wasn’t until the Secret became an internet phenomenon that so many people became interested in what this really was. And low and behold, people started to see the many ways that they could make money off of it.

The law of attraction simply states that like energy tends to attract like energy. Now, some people go a bit further and say that it also means that your thoughts will become your reality, but this is not entirely true. We’ve all had thoughts that we are glad that never came true. The original authors on the subject used the law of attraction as a means to explain why some people seem to get in the zone of success while others do not.

Today, it has come to almost represent a magical idea that you can sit around and visualize Ferraris and stacks of money and you will be able to attract these things into your life. And this is why so many people fail to produce any real results at all. You have to take action, plain and simple. When you look at high level achievers, they do not just sit around and visualize and try to manifest miracles. They are in motion.

You have to be in motion as well.

You may publish this article ONLY if you keep it intact and the text links active. Copyright©2009 by Bryan Appleton. All Rights Reserved.

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