Twin Peaks

It happens all the time. You go into one of your favourite shops and hear the offer over the public address system: ‘An extra 10% off today if you apply for one of our store cards.’ This seems like a good idea for people who shop regularly in a particular place but there are a number of reasons to be careful about applying for store cards.

When Is A Store Card Not A Store Card?

First of all, the name ’store card’ is misleading. It makes them sound friendly. But store cards are another form of credit card. Like credit cards, people can use store cards to defer payment for purchases. Like credit cards, store cards charge interest on uncleared balances. And like credit cards, people have to apply for them.

Although it can be tempting to have a store card for each place you shop in, people should avoid this temptation. Every store card application will become part of your credit history. People who make more than three applications within a seven month period are likely to be turned down for some cards. This will adversely affect their credit rating.

Store Card Interest Rates

A key difference between store cards and credit cards is the interest-free period. While credit cards typically have interest-free periods of up to 56 days, many store cards have none. People pay interest on the debt from the day it goes on the card.

What is worse, the interest rates on most store cards are very high. The Competition Commission recently said that British consumers were being overcharged by £100 million a year due to the high interest rates. In fact, the Commission suggested that store cards should carry a ‘wealth warning’.

Interest rates on normal credit cards typically range between 8% and 20%. In contrast, store card interest rates are usually around 30%. This makes a tremendous difference when paying back a debt.

Other Store Card Fees

Store cards also charge high late payment fees, making them very expensive for consumers. And the payment protection insurance offered by many cards may be higher than that charged on regular credit cards.

Not all store cards fall into this category. There are some retail outlets that offer cards with similar rates to regular credit cards. Store cards that are badged by the retail outlet but issued by a bank may also have competitive interest rates.

Getting The Best From Store Cards

With high interest rates and low interest free periods, it is easy for consumers to pay over the odds for store card credit. To avoid this, it’s best to:

- Read the fine print to see what rate of interest applies to the card. This will be listed under the heading ‘typical APR’
- Check whether there is an interest free period
- Pay off the outstanding balance within a month

Another option is to avoid the store card and use another credit card with a better interest rate.

Joe Kenny writes for the Card Guide, a UK based credit cards site, visit today for introductory balance transfers and start clearing credit card debt today.

AP - Hollywood producers said they made a final offer to actors Monday hours before the current labor contract was to expire, but the Screen Actors Guild responded by saying the offer failed to address some key areas.

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Family Math Nights

Seattle Schools hosted a series of Family Math Nights to help parents and students learn about upcoming changes and challenges to the Seattle Public School Mathematics Curriculum. Topics covered included helping your child with math at home, questions parents can ask, computational fluency, algorithms and mathematical proficiency, and relationships between research and the National Council of Teachers of Mathematics Standards.

Teachers and administrators at the Family Math Nights stressed the importance of deeply engaging all elementary school students in mathematics instruction that is meaningful in order to create a learning environment in which students are math literate. The meetings were led by Gini Stimpson, a University of Washington Mathematics Educator and Senior Researcher. Examples of student work from Seattle Public Schools were shared in order to show what students were currently learning and what more they needed to learn. In addition, parents received valuable suggestions for how to help their children improve math skills at home.

Mathematics Curriculum Adoption Overview

Seattle Public Schools began a district wide initiative to improve the mathematics curriculum in late 2005. The last time that new textbooks and curriculum were considered varied for each level of schooling. Seattle Public High Schools last revised their curriculum in 1993, elementary schools in 1998, and middle schools in 2000. The push for new textbooks and curriculum is based on the recognition that student achievement must improve in order to meet the new graduation requirements in Seattle Public Schools. In order to meet these new graduation requirements, research into the best mathematics programs available began.

After conducting extensive research into new mathematics curriculum, Seattle Public Schools concluded that the new programs must be similar for each grade so that students move progressively through a range of math experiences that reflect the same practices and approach. The research also indicated that the curriculum and instruction need to focus on the achievement standards in order for a high percentage of students to perform at the required proficiency. In order to monitor this, assessment needs to monitor student progress within and between grade levels. In addition, the cultural needs of students needs to be considered in developing effective instruction.

Mathematics Curriculum Timeline

In October 2005, the Seattle Public School District began the process by selecting a committee of teacher, parents, and administrators. This committee included representatives for English Language Learners, Special Education, and various ethnic groups. This committee sought feedback throughout the community to choose the best teaching program for Seattle Public School students. The community has had many opportunities to learn about the various programs and offer feedback on which ones would be most appropriate for Seattle Public School students.

>From November 2005 to January 2006, the committee developed a screening process that offered opportunities for the community and families to increase awareness and understanding of the new mathematics curriculum and why it was chosen. From February to March, the committee evaluated the best candidate programs in order to recommend a program to the Seattle Public School Board. Based on their recommendation, the Seattle Public School Board determined the best mathematics program for the students of the Seattle Public School System.

Stacy Andell is a staff writer for Schools K-12, Which provides free, in-depth reports on all U.S. public and private K-12 schools. Stacy has a nose for research and writes stimulating news and views on school issues.

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When an author decides to write fiction one the primary methods of storytelling is through a first person perspective. For many writers this is the most comfortable manner of storytelling.

In a first person narrative the reader is allowed to relate to the story one dimensionally. The story is presented to the reader from the viewpoint of a character in the story. The narrator might be the main character attempting to relate their own story. The story might also be told from the perspective of a bystander who may not be overtly involved in the storyline.

In the movie, “Charlie and the Chocolate Factory”, the story is narrated by a deeper male voice. It is only at the end that we discover the story was related by one of Willie Wonka’s Oompa Loompas. This is an example of first person storytelling.

This type of story telling is well used in cinema. Many early filmmakers used first person narrative to present their stories. The reason this type of format was used is primarily due to early filmmaking technology that required some help in the transition between scenes. Narration provided that transition. Film noir and other detective dramas relied heavily on first personal narratives to further their storylines.

Today’s authors are more adept at relating a story from other perspectives such as second or third person which will be dealt with in other articles.

A first person narrative allows you to understand the specific character of the narrator. You are likely to find yourself identifying with the storyteller in a variety of ways. You will either love or despise their mannerisms, but it is their character that provides the strongest connection to the storytelling process.

Because your narrator is finite they will never have all the details of the story they are unfolding for you. Sometimes this creates a unique perspective because the story can sometimes become more about the narrator (at least for awhile) then about the actual storyline. This can occasionally provide a comedic touch to the novel or at the very least some rabbit trails to follow just for the fun of it.

Interestingly some first person narratives are actually related from the perspective of a consortium. The premise is that a group of individuals are relating the story. This is identified by the use of ‘we’ or ‘us’ as part of the narration.

Scott Lindsay is a web developer and entrepreneur. He is the founder of FaithWriters ( www.faithwriters.com http://www.faithwriters.com ) and many other web projects. FaithWriters has grown to become one of the largest online destinations for Christian writers. Please visit the website at: www.faithwriters.com http://www.faithwriters.com .

AP - The investigation of the disappearance of a 12-year-old girl zeroed in on her uncle Monday, with police searching his home while he was being arraigned on sex charges in an unrelated case, authorities said.

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Working Americans like lower taxes. So do I. Lower taxes benefit all of us, creating jobs and allowing us to make more decisions for ourselves about our lives.

Whether a tax cut reduces a single mother’s payroll taxes by $40 a month or allows a business owner to save thousands in capital gains taxes and hire more employees, that tax cut is a good thing. Lower taxes allow more spending, saving, and investing which helps the economy - that means all of us.

Real conservatives have always supported low taxes and low spending.

But today, too many politicians and lobbyists are spending America into ruin. We are nine trillion dollars in debt as a nation. Our mounting government debt endangers the financial future of our children and grandchildren. If we don’t cut spending now, higher taxes and economic disaster will be in their future - and yours.

In addition, the Federal Reserve, our central bank, fosters runaway debt by increasing the money supply - making each dollar in your pocket worth less. The Fed is a private bank run by unelected officials who are not required to be open or accountable to “we the people.”

Worse, our economy and our very independence as a nation is increasingly in the hands of foreign governments such as China and Saudi Arabia, because their central banks also finance our runaway spending.

We cannot continue to allow private banks, wasteful agencies, lobbyists, corporations on welfare, and governments collecting foreign aid to dictate the size of our ballooning budget. We need a new method to prioritize our spending. It’s called the Constitution of the United States.

For more information: leadership2008.bravehost.com http://leadership2008.bravehost.com

Congressman Ron Paul (R-Texas) is the leading advocate for freedom in our nation’s capital. As a member of the U.S. House of Representatives, Dr. Paul tirelessly works for limited constitutional government, low taxes, free markets, and a return to sound monetary policies. He is known among his congressional colleagues and his constituents for his consistent voting record. Dr. Paul never votes for legislation unless the proposed measure is expressly authorized by the Constitution.

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Out of all of the different types and colors of Labradors, the black Labrador is one of the most popular. Black Labradors are usually solid black in color. They are sleek and graceful looking animals. They are a large breed of dog and must be taken seriously because they can harm small children or frail individuals because they have so much enthusiasm for life and they want to play with everyone. However, black Labradors are very smart and they learn quickly. They can be trained quite easily not to jump up on people or cause other problems because of their energy levels and large size. Some people might be frightened by large dogs such as the black Labrador, but spending time with these dogs will show most people that there is nothing to fear except that you might be licked with much enthusiasm.

Pay Attention To Energy Levels

There are many different breeds of dogs in this world today, and they can differ not just in their looks but in their temperament and their energy level as well. This is important to be aware of when looking into getting a large dog such as the black Labrador. High energy dogs are often very enjoyable to the person or the family that likes a lot of outdoor activity, but this type of dog might not be as good of a choice for the person that works all day or lives in an apartment. This does not mean that the black Labrador would not make a good pet, but it is not healthy for the dog to be closed up in an apartment all day and could result in destructive behavior simply because the dog would be bored.

Big Dogs Need Big Spaces

For those that are interested in owning a black Labrador, space must be considered. Those who live in apartments either do not own dogs or only own small dogs because large dogs with a lot of energy are often unhappy in an apartment all day. However, for the family that has space for a large dog, a black Labrador would be a good choice because they make good guard dogs yet are gentle and affectionate with people that they know including small children.

Denise Duncan loves all dogs, especially labradors, and enjoys training and raising them. She is a contributing author and editor for www.AllAboutLabradors.com http://www.AllAboutLabradors.com .

AP - The Bush administration said Monday it will delay paying doctors for treating Medicare patients in early July to give Congress more time to block a scheduled 10.6 percent fee cut.

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What are you doing when you vaccinate your horse? When we vaccinate our horses we are deliberately exposing them to a portion of a disease-causing organism or exposure to a disease causing-organism, such as the bacteria or virus of a disease. This is done in a very small dose. We do this in order to cause an immune response in the horse that will hopefully protect the horse in the future from that particular disease. Generally, this is how vaccines work.

Is it a100 % guarantee that the horse will never contract the disease? No. But should the horse contract the disease that they were vaccinated against usually it is a lighter case than without the vaccination. Chances for recovery are greatly increased with the vaccination than without. Vaccines must also be stored, handled and administered properly. Not doing so can mar the effectiveness of the vaccine.

Here are some of the diseases we vaccinate horses for:

Tetanus (Lockjaw): Tetanus occurs when a specific bacteria enters a horse like a deep wound. As Tetanus grows it produces a toxin and attacks the nervous system of the horse. Tetanus is fatal.

Encephalitis: Horses can be attacked by three types of encephalitis, Eastern, Western, and Venezuelan. Mosquitoes carry this virus. Horses become infected by bites from infected mosquitoes (usually found in states close to the Mexican border). Encephalitis infects the horses’ brain. If they survive they may have permanent defects as a result. Encephalitis is potentially fatal.

Rabies: Infects the nervous system with a fatal infection. Rabies is caused by a bite from an infected animal (such as bat, raccoon, or skunk). Rabies can go undiagnosed in a horse for a period of time and can actually spread the infection to humans. This can happen by contact of body fluids with broken skin (a cut on your hand).

Potomac horse fever: Generally confined to a specific geographic areas (along the Potomac River) and in areas with moderate climate and close to rivers. This disease is characterized by depression, fever, diarrhea and founder. Check with your vet or local extension agent for advice in your area.

Rotavirus diarrhea: Causing sever, potentially life-threatening diarrhea in young foals. Rotavirus it appears is carried by the mother (or passably another horse). The horses that pass the virus may not develop problems but simply pass it on. Pregnant mares can be vaccinated then they pass the antibodies to their foals in the first milk (colostrum). Check with your veterinarian about availability of this vaccine.

Influenza: This shows up like severe cold-like symptoms and high fever making it a risk for developing bacterial pneumonia. There can be periods when the virus mutates, causing epidemics to break out. Vaccines are not completely effective in preventing the disease since the virus can mutate easily. The vaccine however can reduce the severity of the symptoms. Horses that are most at risk to the flu are the very old, very young, horses under stress, horses traveling, and horses stabled where there is horse traffic.

Botulism: This is caused by toxin of a bacterium related to the one that causes tetanus. Horses are highly sensitive to it and many can die from this disease or the complications brought on by this disease. If this disease is contracted, treatment can be expensive.

Rhinopneumonitis: Also known as “rhino”. This disease is like our “common cold”. The rhino virus can invade the horses’ nervous system causing paralysis, and can also cause abortion. As with influenza, the risk factors are the same. Every two months throughout pregnancy mares should be vaccinated.

Strangles: Routinely not done, strangles vaccination is recommended for horses at high risk of exposure. Risk of side effects from the intramuscular vaccine may be up to 30% for this vaccine. This may include fever, loss of appetite, local swelling, muscle stiffness and abscess formation at the vaccination site. Vaccines usually provide reliable protection from severe disease but only for a few months. It does not prevent the disease completely. Unless there is known contamination on the premises, shipping horses frequently or a lot of traffic on and off the a farm, due to the side effects and limited time it is effective, you should weigh the benefit for your situation to vaccinate for strangles or not. That being said, there is a type of strangles vaccine that is a spray into the horse’s nose. Intranasal vaccine has low incidence of side effect. Protection is about the same. It is not clear if intranasal vaccine for pregnant mares gets the needed antibodies into the blood (protecting the foal with colostrum). It would be wise to use the intramuscular vaccine with mares close to foaling.

West Nile: This virus has caused many deaths in horses in recent years in United States. It is transmitted by infected mosquitoes. This virus infects the central nervous system and causes symptoms of encephalitis. Signs of encephalitis in horses include loss of appetite and depression, in addition to any combination of the following signs - fever, weakness or paralysis of hind limbs, muzzle twitching, impaired vision, incoordination, head pressing, aimless wandering, convulsions, inability to swallow, circling, hyperexcitability, or coma. It is wise to vaccinate for this disease but avoid vaccinating pregnant mares late in pregnancy. If you have a pregnant mare, contact your veterinarian for a time best to vaccinate her for your area.

Which diseases should you vaccinate your horse for? That depends. You, with the advice of your veterinarian or your local extension office, will need to make that decision. Getting the best, up to date information from these sources will help you choose wisely.

Fran Mullens has been a barn manager, trainer and riding instructor for several years, and has worked with horses for nearly 25 years. Fran is co-author with Skimbleshanks the Farm Cat at his blog. To learn more about the farm cat go to skimbleshanksthefarmcat.blogspot.com/ http://skimbleshanksthefarmcat.blogspot.com/ .

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Fraud Lawsuits in California

The various ways a victim can be defrauded are as limitless as the bounds of human ingenuity. But under California law, wrongful actions are generally characterized as civil fraud only under one of the following legal theories:

1. Intentional Misrepresentation. Probably the most common type of fraud is a false statement. But not every false statement is fraudulent. The elements of a claim for intentional misrepresentation are:

a. An intentionally or recklessly false statement of fact. Not every false statement is a false statement of fact. Statements of opinion generally are not actionable. Sales talk, or puffing ( This is the best location in the county! ), is generally not actionable. However, if the defendant claims to be an expert or there are other reasons to expect that the victim would rely upon the defendant’s opinion as a statement of fact, an opinion may be treated by the court as a statement of fact. Also, a statement need not be made directly to the victim. For instance, if the defendant made the false statement to a third person with the expectation that the statement would be repeated to the victim, the victim may have a valid claim for fraudulent misrepresentation.

b. Intention to defraud. If a representation of fact was intentionally false and a material part of the transaction (e.g., this house does not have flooding problems ), it is likely the false promise was made with the intention to defraud the victim.

c. Reasonable reliance upon the false statement. The victim must have actually relied upon the statement to change his or her position (e.g., the victim would not have purchased the house if he or she knew the truth). The false statement need not be the only reason the victim changed his or her position, but it must be at least part of the reason. Also, the victim’s reliance on the false statement must be reasonable. If the victim knew or should have known the statement was false, the victim did not reasonably rely. The sophistication of the victim will play a role in determining whether his or her reliance on the statement was reasonable; e.g., a sophisticated real estate investor’s reliance on a representation about the qualities of a house may not be reasonable while an unsophisticated buyer’s reliance may be. Even an unsophisticated victim, however, may not put faith in representations which are preposterous, or which are shown by facts within his observation to be so patently and obviously false that he must have closed his eyes to avoid discovery of the truth. Seeger v. Odell (1941) 18 Cal. 2d 409.

d. Resulting in damages. There must be measurable damages that were caused by the fraud. It is not enough that the victim was told a lie (e.g., A famous movie star once slept in this house ); the victim must also be able to prove some type of damage resulted from the lie.

2. Negligent Misrepresentation. A claim for negligent misrepresentation is generally the same as a claim for intentional misrepresentation, except the victim must only prove the defendant did not have a reasonable basis to believe its statement of fact was true (as opposed to proving the defendant knew its statement was false). If the defendant’s false statement was both honestly made and based upon reasonable grounds, however, there is no claim. Punitive damages are not available for negligent misrepresentations.

3. Concealment. A claim for fraud may also arise if the defendant concealed or failed to disclose a material fact during a transaction, causing damage to the victim. The elements of a claim for fraudulent concealment are:

a. The defendant failed to disclose or concealed a material fact with an intent to defraud the victim.

b. The defendant had a duty to disclose. There is not always a duty to disclose facts during a transaction. If there is a duty, it generally arises in one of four different circumstances: (i) The defendant is in a fiduciary relationship (such as being a partner) with the victim; or (ii) The defendant took steps to hide important information from the victim (as opposed to simply failing to tell the victim); or (iii) The defendant disclosed some information to the victim, but the disclosed information is misleading unless more information is given; or (iv) The defendant is aware of key information and knows the victim is unlikely to discover that information. In addition, California laws may create a duty to disclose in certain transactions. For example, sellers of residential property in California generally are required to make written disclosures about the condition of the house.

c. The victim must have been unaware of the fact and would not have acted as he or she did if he or she knew of the fact.

d. The victim sustained damages as a result of the concealment.

4. False Promise. A claim of fraud may arise if a defendant entered into a contract and made promises that it never intended to perform. The elements of a false promise claim are:

a. The defendant made a promise.

b. The promise was important to the transaction.

c. At the time he or she made the promise, the defendant did not intend to perform it.

d. The defendant intended the victim to rely upon the promise.

e. The victim reasonably relied upon the promise.

f. The defendant did not perform the promise.

g. The victim was harmed as a result of defendant not carrying out his or her promise.

h. The victim’s reliance on the defendant’s promise was a substantial factor in causing the victim’s harm.

It is important to understand that a broken promise, alone, is not a sufficient basis for a fraud claim. More than a mere broken promise is required. The victim must also prove that the defendant did not intend to perform the promise at the time the promise was made. In practice, it is usually difficult to tell the difference between a broken promise and a promise made without an intention to perform. Courts generally look for circumstantial evidence to support a false promise claim (as opposed to a broken promise claim), such as the defendant broke its promise immediately after making it.

Characterization of a claim as fraud has many advantages to a victim; primarily, the victim may be able to recover punitive damages in addition to actual damages. Also, the measure of damages is generally more liberal under fraud and other tort theories, allowing victims a more complete recovery. But even if a wrongful action does not fall under the definition of fraud, it still may lead to a valid legal claim. For instance, a broken promise - while not necessarily fraudulently - may still constitute a valid breach of contract claim. While punitive damages and emotional distress damages are generally not available for breach of contract in California, the victim still should be able to recover his or her monetary damages.

This article constitutes general information only and should not be relied upon as legal advice.

Michael Abney is a business and real estate litigation attorney in Orange County, California and a partner in Drosman Abney & Percival, LLP. An honors graduate of Harvard Law School, Michael has been a California lawyer for 19 years. You can contact Michael at www.DapLawyers.com http://www.DapLawyers.com or (949) 727-0880

Reuters - Citigroup is planning to change its bonus system for senior managers to encourage different parts of the vast company to cooperate and help one another win business, a person familiar with the matter told Reuters.

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If you are a parent, you’re probably all-too-familiar with hearing “eww!” ick!” “I don’t like it!” and “That’s gross!” coming out of your child’s mouth. In fact, getting a child to eat health food can sometimes be as hard as getting a parking space that three other cars are waiting for. If you’re tired of your child’s dietary battles turning into tactical missions and survival-of-the-fittest lessons (or survival of the most stubborn), we’ve got six sneaky ways for you to trick your child into eating health food that you’re absolutely going to love.

#1 - Carrot Cupcakes

Show me a child who doesn’t love cupcakes and I’ll show you a dog that doesn’t like bones. I’ve known hundreds of children in my lifetime and I cannot remember a single one of them not liking cupcakes. That’s what I call an opportunity.

We all know cupcakes aren’t healthy. Chocolate or white cake and a bunch of sugary frosting on top equates to nothing more than empty calories and a huge sugar rush. But what if you make cupcakes out of carrot cake? Or even zucchini or banana bread? All you have to do then is create a cream-cheese frosting (lightly sweetened of course) and you’ve got a cupcake that’s healthy and that kids can’t resist.

#2 - Fruit Smoothies

Some parents, no matter how hard they try, just can’t get their children to eat fresh fruit. It may be the texture or the taste, but whatever it is, getting them to eat fruit is like getting a vegetarian to try steak - it just isn’t going to happen.

One day a friend of mine was drinking a fruit smoothie she had picked up at the local juice bar and her son asked her if he could have a sip of her “shake.” My friend didn’t bother to correct her son. She simply gave him the cup and let him take a swallow. Guess what? He loved it! Since then they’ve been making their own healthy fruit smoothies at home and he’s getting wholesome fruit on a regular basis.

#3 - Dip It

For some reason (I have yet to figure this one out), children seem to accept healthy food easier if they can dip it. Offer a little girl a whole carrot and she’ll look at you like you’ve grown a third eye. Offer her cut-up carrot sticks with low-fat vegetable dip and she’s in seventh heaven. If you can’t get your child to eat healthy foods, try offering healthy dips to go with it and you might be surprised at how quickly they change their minds.

#4 - Put It in an Ice Cream Cone

A woman we know of had made a wonderful fresh-fruit salad for a party and her grandson wouldn’t touch it. If there’s one thing grandma’s like, it’s watching they’re grandchildren eat healthy foods so she was bound and determined to get some of the fruit salad into him. She came up with the idea of putting the fruit salad in an ice-cream cone and suddenly fruit salad was the best thing ever and all the kids wanted it. Since then people who witnessed the success at the party have tried the ice-cream cone technique with cottage cheese and even tuna salad and it hasn’t failed yet. If it’s in an ice-cream cone, chances are kids will eat it.

#5 - Ovaltine Please

If you know what Ovaltine is or if you already have Ovaltine in the house, that’s great. If you don’t, you’re about to fall in love with a good, old-fashioned wholesome product.

There are thousands upon thousands of children who just don’t like the taste of milk. However, when Ovaltine is mixed into it, many of them can’t get enough. Ovaltine makes milk taste somewhat like chocolate milk, but more malt-flavored. Even though the stuff tastes great, it’s actually quite healthy. Ovaltine is full of vitamins and minerals and it’s fat free and cholesterol free. Just add it to low-fat milk and you’ve got healthy chocolate milk for your kids.

#6 - Make It Pretty

The visual presentation of food has a big impact on how kids perceive it. Throw some plain low-fat, all-natural yogurt in a plastic bowl with a spoon and they’ll probably turn their noses up at it. However, if you put it in a parfait cup with a sprinkling of granola or a few berries on top and serve it with a fancy spoon, it may be an entirely different story. The same goes for healthy drinks. Serve fresh juice or milk with an interesting straw and kids will be much more likely to drink it.

While deception and trickery isn’t something we should often use when dealing with our children, in the case of sneaking health foods into their diets, I think it’ll work out just fine.

Copyright 2006 Pat Brill

Pat Brill is co-founder of www.SilkBow.com http://www.SilkBow.com which supports Busy Moms with free gift ideas and helpful tips to meet the challenges of motherhood. SilkBow is the perfect place for the perfect gift. To contact Pat, email her at pat@silkbow.com pat@silkbow.com

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Knowing the lemon laws is not enough. In USA, lemon laws take numerous forms across states. In fact, when you are plagued by a problematic vehicle it is always the best policy to hire the help of a lemon lawyer who specializes in the particular lemon laws of your state.

The Wisconsin Lemon Law came into effect from November 3, 1983 and is applicable to new vehicles (car, truck, motorcycle or motor home, to be precise), rented vehicles and all used vehicles that have been bought within the warranty period.

A quick glance at the major points of the Wisconsin Lemon Law throws up the following. In the first place, a vehicle is classified as lemon in Wisconsin if

- It has been bought or rented in Wisconsin,
- It is showing signs of strain within the first year of purchase
- It is showing signs of breaking down before the guarantee period has terminated,
- Within the first year of purchase or within the warranty period, four tries by the manufacturer has failed to fix its problems,
- It was non-functional for 30 days (need not be consecutive) during the first year of acquisition or within the warranty period.

An interesting facet of the Wisconsin Lemon Law is that it makes a difference between minor and major malfunctions. You are eligible to apply for compensation or refund or replacement claim under the lemon law only if your vehicle has a serious, that is a major malfunction. So it’s no use crying foul if your car has a broken headlight or something equally inconsequential.

And speaking of the major and minor malfunctions, it is always worth knowing the nonconformities of the Wisconsin Lemon Law. They are:

- Conditions that do not affect the use, worth or safety of the vehicle,
- Items not covered by the manufacturer’s warranty,
- Situations like poor acceleration of a vehicle with a small vehicle or when heavy steering has been employed on a vehicle without power steering,
- Conditions arising out of incorrect maneuver, misuse, neglect or unauthorized alterations to the setup.

Usually claimants have one or more sore points about lemon laws, but even the most stern claimants cannot help but praise the Wisconsin Lemon Law, which sets no deadline to file your lawsuit; instead the court will decide whether your case is too old to take up.

Under the Wisconsin Lemon Law, you are entitled to a quite a handsome compensation package. It may consist a reimbursement of the vehicle’s purchase price plus collateral costs (less a reasonable allowance for use) or a similar new vehicle plus the collateral costs. These collateral costs include repair outlay on the nonconformity and alternative conveyance expenses.

If the manufacturer, who has apparently not taken your claims seriously, doesn’t respond to your relief appeal within 30 days and you win at the court, you can pocket double damages, cost of the lawsuit and a lion’s share of the lawyer’s fees, plus any relief that the court thinks you are entitled to.

With the Wisconsin Lemon Law there are not many chances of your money going down the drains if you are found ineligible to compete for the lemon law. Your problematical vehicle, if it qualifies, can always find refuge by filing for a claim for misrepresentation, breach of warranty or breach of contract, among a host of others.

The Wisconsin Lemon Law is very considerate towards the plight of the one with the defective vehicle and especially shields from the cunning offers of the crafty vehicle manufacturers. Thus, if the manufacturer hands you a lengthy and pricey damage deduction list when you go to him for a refund or compensation, you can gleefully quote the Wisconsin Lemon Law. According to law, you are not liable to pay for normal wear and tear, such as minor dents, scratches, pitted glass, grubby carpets or slight stains.

Under the Wisconsin Lemon Law, justice is never denied nor delayed.

Kevin Bishop is a successful writer and publisher of legal issues, for more informative articles go to www.lemonlawmoney.com http://www.lemonlawmoney.com .

AP - Scientists with the Virginia Museum of Natural History have confirmed the discovery of a 500 million-year-old fossil called a stromatolite.

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The most important purchase that will be made when it comes to a child’s bedroom is the crib. The crib will be what the centerpiece of the room and for this reason the crib’s accessories of the are just as important. Depending on the type of crib that purchased it may be required to buy some of the accessories separately.

The mobile is the most important purchase that parents can make. The mobile is the key piece to bring the room and the crib together in relation to the décor. If the crib purchased is plain, but a theme is desired, a mobile that goes along with the décor can tie everything together seamlessly.

Many mobiles will have characters from popular children’s books or movies dangling down to entertain the child. The mobile can be turned on to calm down a child that tends to get fussy around bedtime. Most mobiles do not merely move around in a circle; most also play music. The most common music played by mobiles are lullabies, the rhythm of which children can find comforting. While it is possible to find a mobile that comes with its own crib and works by remote, most of the time it will be necessary to purchase a mobile separately to hang over the crib.

Some children do not respond to a mobile as quickly as others do, so it is advisable to purchase another accessory just in case. A good accessory to have is a light for the crib. Crib lights are not like a nightlight. Instead, they cling to the side of the crib and provide lights in various shapes and colors that move around. These accessories often also play music and usually help with comforting the child, amusing the child until they fall asleep.

Bedding is also a necessary accessory for the crib. The softness bedding can add softness to the room makes it the ultimate accessory. It is advisable to purchase bedding for the crib that features the theme of the room imprinted in the fabric or otherwise falls within the theme. As tempting as it may be, all new parents should know that a new baby should never have any stuffed animals where they lay down, nor should they have a pillow. Anything of this nature could constrict airways, preventing the baby from sleeping safely through the night.

Robert Williams writes for several web sites, including holeinthebucket.com http://holeinthebucket.com and productshelp.com http://productshelp.com .

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