Medical Billing – Fraud

Nobody wants to talk about it, but not talking about it isn’t going to make it go away. It is more common and more costly than most people want to admit to. It is one of the major contributing factors to our rising health care costs. It is very hard to prove and it is even harder to identify when it does happen because the people doing it have gotten very good at it. If you’re wondering what we’re talking about, it’s medical billing and fraud. We’re going to take just a brief look at the problem, as this is a topic that you could write books about.

Probably the most disheartening thing about medical billing fraud is that in order for it to be successful, in most cases anyway, more than one party has to be aware that it is going on. While we’re not pointing any fingers, this has become a joint effort. The best way to explain exactly what is going on and how this is a coordinated effort, is with an example, albeit a fictitious one.

A patient suffers an injury on January 1, 2006. The injury, because of the circumstances, is not covered. Maybe it was the patient’s own neglect. The reasons don’t matter. The injury isn’t covered under insurance so the patient just let’s it slide by. Six months later, the patient is involved in a car accident. While there are no injuries sustained in the accident, the original injury is aggravated and the patient can now claim that the injury they sustained in January of that year actually took place six months later while in the auto accident. All they need is a doctor’s say so.

This is where things get sticky. Yes, we can argue that the doctor is only human and can only go by what the patient tells him. But certainly, with today’s technology, the doctor should easily be able to tell if the injury the patient sustained happened yesterday or six months ago. The problem is that the tests that would need to be performed, in some cases, would be too costly to do. It’s just a lot easier to do a preliminary exam and certify that the injury must have occurred during the accident. The doctor then treats the patient for the injury, writes up his bill and sends it along to the insurance carrier. The claim is then paid for something that shouldn’t have been covered in the first place. Yes, maybe the injury was worsened by the accident, but if it hadn’t been sustained in the first place, the resulting injury may have not been as bad.

Splitting hairs? Maybe. But this is a borderline case. There are many cases of medical billing where the patient and doctor are both more than aware that this item should probably not be billed and hold their breath hoping that the insurance carrier won’t smell something funny and reject the claim. If you think this sort of thing doesn’t go on, spend a day at one of our courts and listen to all the cases of fraud going up before the judge. It’s enough to make you sick to your stomach for real.

The solution? For people to be honest. Is this going to happen? Well, we can always check with the courts six months from today.

The Importance of Agility Exercises For Tennis

How to move well on the tennis court? What is agility training? A lot of players and coaches do not know how to use tennis agility exercises. Agility training is not incorporated enough at low level, but it should because it is an easy way to improve a player performance.

Tennis agility exercises include everything that helps a player to improve his coordination, balance and footwork. There are thousand of drills to improve tennis players agility and this will help them to be better on the court. Basic coordination drills as catching or throwing tennis ball with or without movements are an easy way to improve beginners and young players’ agility on the court.

Ladder drills can be used at all levels and ages. The only difference will be the intensity and complexity of the tasks. These drills are fun and can be very helpful to improve a tennis player coordination and footwork. Tennis is an activity that involves movements in every direction this is why it is important to work on a ladder, with forward, backwards, and sideways movements.

Hurdles drills can be used to help players improve their technique while moving. These drills will emphasize the different muscles action as the hips flexor. The player will have to use a good technique if he wants to clear all the hurdles and later he will be able to use this on the court and then to move better.

Good tennis agility exercises also help players to improve their specific movements. Easy drills done on court as running to a ball and doing a shadow will help players to move better. In this kind of drills really focus on the first step and the recovery steps. No balls are involved, the perfect footwork technique has to be used and once the player starts to do this without thinking he will be able to it on a real situation with tennis balls.

Balance training also contributes to players’ agility. This can be done on court doing drill only on 1 leg or also on unstable surfaces as BOSUs or balance discs. Depending of the level just have the players balance for 1 minute on 1 or 2 legs and then you can start to close the eyes, add shadows with rackets or tennis balls catches and throws.

Working on the sand is for me one of the best ways to improve tennis players’ agility and movements. Sand is an unstable surface that makes the movements a lot harder. It will help players to work on their balance and leg strength. Once a player is able to move well on the sand, it will be a lot easier and he will be lot quicker on the tennis court.

Tennis agility exercises should be included in every training program, it can be done on or off court and are usually easy and fun drills that can really help a tennis player to improve his game. There are so many different kinds of exercises, you can use books or your own imagination, just make sure that the correct technique is used.

With Fit4Tennis you can get agility training and fitness program that will help you or your players to bring their game at a next level.

How to Restore and Increase the Life of Your Septic System

On Memorial Day weekend, 2002, we noticed a strong septic odor in the yard. I traced the odor down to the septic tank. After digging up the cover and removing it I soon discovered that the tank was completely full of wastewater. I frantically called in the experts including pumpers, system installer and soil testers. I heard comments like “sorry I can’t help you”, “we can try jetting the lines”, “we can put a new system in that will be much better”, “your lucky it lasted this long”. Well, after these comments and the $15,000 bid to replace the system, not including the tree removal (another $2,500), landscape restoration (another $2,000) and staircase/deck demolition and rebuild (another $3,500) I decided that there MUST be a better solution! The quest began and the rest is history!

Understanding Your Septic System

If you are like me and the rest of the world, you probably had no idea on how your septic system works. You may have learned from your parents that the system should be pumped regularly, or maybe you learned that they never need pumping! There are many wives tales about putting a dead chicken in the tank every so often, or yeast cakes, “magic” bugs, etc. If you added any one of these remedies, “your septic system would last forever and it would have an infinite life expectancy”! If you’re reading this article you now know that these wives tales simply aren’t true!

Your septic system is a combination of a mechanical and biological system.

The mechanical portions of modern systems are very durable. Materials like concrete, PVC plastic, fired clay pipe will last a long time under ground. Materials like steel and cast iron and asphalitic pipe are not very common anymore and most of these material have failed and been replaced with newer durable materials.

The biological portion of your systems is generally robust, however it can be upset by abuse such as system overloading and dumping excess materials into the system for which it is not designed to handle such as paint materials, thinners, bleach, anti-bacterial products, and non-organic materials such as wrappers, cigarette butts, etc.

In the perfect world the biological process is 100% efficient. By this time in your life I am sure you have come to realize that we live in a less than perfect world and therefore things in our life crop up that we must deal with! This topic is no ones favorite and you have probably learned more about your septic system in the past few weeks than you wanted.

Perceived Solutions

The problems in our lives usually occur at the least opportune moment. They may be financial, timing or personal grief. Unfortunately we must use the cards we are dealt. In the case of your septic system we must rely on the local “experts”. Again, unfortunately, the local “experts” may have limited knowledge on subjects beyond their respective profession. The pumpers are great at pumping, the plumbers are great at plumbing and the installers are great at installing. Most likely, none of these contractors fully understand both the mechanical and biological process. Because of this, they attempt to sell you their service or solution, none of which will ultimately solve your septic system problem. Out of frustration, you turn to the internet to begin research on your own. A quick “Google” search leads you to hundreds of web pages that make claims of solving your septic system problem forever. These companies can supply the magic “bugs” or “chemical” that you simply flush down the drain and your problems are solved! If you read on you will fully understand why the aforementioned “solutions” will not resolve your septic system problem.

How Your Septic System Works

There are many design variations of septic systems. While the systems may be somewhat different, they all perform the same basic function. That is, to process raw sewage into a cleaner effluent that can be evenly distributed beneath the ground and blended with the groundwater as not to create a health hazard. The basic components of the system are the inlet pipe, the septic tank, the outlet pipe and an absorption component. The waste stream is almost always in motion. As an example, when a toilet is flushed in a house, approximately 3 gallons of water and waste flows into the outlet pipe connected to the septic tank. The equal amount of waste (3 gallons) then flows out of the septic tank through the outlet pipe to the absorption component. The equal amount of waste (3 gallons) flows through the absorption unit into the ground.

The Treatment Process

The wastewater first enters the tank from the home. The wastewater is held in the tank for approximately 2 days. During the holding period the anaerobic bacteria breakdown the organic material in the wastewater and reduce the “strength” of the wastewater by about 40%. As explained above, when the 3 gallons of wastewater enters the tank it displaces 3 gallons of wastewater through the outlet pipe. Because of the separation distance between the inlet and outlet pipes the wastewater that is closer to the outlet pipe has been in the tank the longest period and therefore is the cleanest. This cleaner water (still containing 60% of its’ original organic material) flows out into the distribution field for further treatment. After a short period of time a layer begins to form at the bottom of the gravel bed. This layer is known as the biomat. The biomat is made of anaerobic bacteria and its by-product, a black slimy substance. The slimy substance protects the bacteria from oxygen. If the anaerobic bacteria were to come in contact with oxygen it would quickly die. Because the biomat is a living organism, it requires a food source. The food source is the organic material dissolved or suspended in the water coming from the septic tank. The biomat is not a “bad” thing. Its purpose is to further clean the wastewater to remove the additional 60% of organic material. The anaerobic bacteria (biomat) are rather slow to digest the organic material. The by-product of the anaerobic bacteria also closes some of the soil pores resulting in a reduction in flow of the water through it. This enables the anaerobic bacteria sufficient time to clean the wastewater. The result is very clean water entering the water table which eventually mixes with ground water.

The Septic System Aging Process

As discussed earlier, the mechanical portion of your septic system is very durable. A common repair after many years with some systems may be the repair or replacement of the inlet and or the outlet baffle. Other than that nothing should need service. However, your system does age biologically.

When your septic system is new it has much more water dispersion capacity than you will use. Over time, the biomat matures clogging the soil pores excessively. Eventually, the biomat seals off the bottom of the field and the wastewater begins to “pond” in the gravel bed beneath the ground. The water begins to be absorbed through the side walls of the gravel bed. The biomat continues to mature and grows up the side walls and eventually to the surface, or near the surface. This IS the reason why your system does not function as it did when it was new. At some point you will be putting more wastewater into the system than the field has the ability to disperse. This results in ponding on the surface of your yard, elevated tank levels, ponding on the surface of your yard above the septic tank, or sewage back-ups into the house. You could experience one or any combination of these situations.

Perceived Cause/Remedy of Problem

Roots – roots are seldom an issue regardless what you are told. For the roots to cause a problem, they would have to fill all of the perforation holes in the pipe system.

Conclusion: This scenario is not likely. Less than 0.5% (1 out of 200) system that experience problems are related to roots.

Insufficient Bacteria in System – The bacteria population in your system is self regulating. As more wastewater (“food” for bacteria) enters the septic tank the bacteria population count increases very rapidly. As the wastewater (“food” for bacteria) flow decreases the population decreases. As an example, when you go on vacation the wastewater flow to the tank stops. The bacteria will digest their food. When the food is gone, the bacteria begin to starve and die off. By the time you return from vacation, the bacteria count is low. As wastewater enters the tank the bacteria population count increases rapidly until it balances with the amount of available “food”.

Conclusion: The only way for a system to become unbalanced would be an event that killed the septic tank bacteria such as excessive use of solvent chemicals, bleach, anti-bacterial products, chemotherapy drugs, etc. A system will handle any of these substances in moderate amounts. Therefore, if you don’t abuse your system you will not need to add bacteria.

“Special” Bacteria are Required – There are hundreds of brands of septic tank additives on the market today. Many have powerful claims such as “If you use our product you’ll never have to pump your septic tank again” “Our product liquefies the waste”, “4 Billion cfu/gm” “Special enzymes that breakdown the solids”, etc. Many have claims of “money-back guarantee” and “easy to use, just flush down the commode”, “No more odors”, etc. Typically, the bigger the hype the higher the price. Generally speaking, the packaging and marketing costs are far greater than the manufacturing cost of the “active” material. These companies can afford many customer returns and still maintain a substantial profit. Some will even convince you into accepting more of their product in lieu of returning your money. Most people become frustrated and tired and give up trying to get their $200 back! These bacterial “cocktails” typically contain aerobic, anaerobic and facultative bacteria. The aerobic require oxygen to live, the anaerobic must live in an oxygen free environment (septic) and the facultative can survive in either condition by metamorphosis from anaerobic to aerobic. As mentioned earlier, your system is operating in a “septic” anaerobic condition. The aerobic bacteria in the cocktail die rapidly after entering the septic tank because there is no oxygen in the system. The facultative bacteria change to anaerobic bacteria by metamorphosis and the anaerobic survive well. As you learned in the “Septic System Aging Process” above, the CAUSE of your septic system failure is that there is a significant build-up of anaerobic bacteria in your septic field known as the bio-mat. You also learned above that you cannot add more bacteria than available food.

Conclusion: Simply adding more of the same type of bacteria that is already causing problems with your system will have no positive impact!

Frequent Pumping – Many pumpers will gladly pump your system anytime you call them. It can take weeks for the bacteria in a septic tank to re-populate and stabilize. During this period, the wastewater is not being fully treated and very strong wastewater is flowing to the field. The added “food” in this wastewater allows the accelerated growth of the bio-mat.

Conclusion: Frequent pumping can do more harm than good because the wastewater flowing to the field has more “food” in it because the system is not been given adequate time to stabilize. Short term you will get some relief until the tank fills again.

The REAL Solution to Resolving Your Septic System Problems

By now you should understand how your septic system works and why it fails. You should also be able to identify the fact from the fiction coming from the local “expert” or the savvy internet marketing web site that prey on desperate homeowners needs. You will now learn about a little known technology that is scientifically based, has over 100 years of application history, has over a 95% success rate, requires no excavation, requires no chemicals or additives and boasts a 100% money-back guarantee.

This process is called “Aerobic Bio-Remediation”. The process, application and the equipment has been developed and introduced by Aero-Stream®, LLC. Additionally, the process has been awarded a U.S. Patent!

The Technology: The aerobic treatment of wastewater has been in use for more than 100 years. Nearly every municipal wastewater treatment plant utilizes aerobic treatment as one of their primary treatment process. This process is robust, fast and efficient at cleaning the wastewater. Aero-Stream® applies this same technology to your current septic system with virtually no significant change to your components or systems. Just as the large municipal wastewater treatment plants do, the aerobic treatment of the wastewater in your septic tank is processesed to reduce the strength of the organic material leaving the tank by some 70% – 80%. Because the food source for the biomat is significantly reduced the biomat begins to starve and die. When the biomat dies, it breaks down and becomes permeable again. In addition to the starvation of the biomat, the oxygen rich laden water with aerobic bacteria flows into the field. The aerobic bacteria also have an appetite for the biomat further reducing the bio-mat.

The Success Rate: The Aero-Stream® process equipment has been installed across the U.S. in nearly every type of system configuration and soil type. The process boasts a 95% success rate! The most common reason for unsuccessful remediation is the lack of adequate time for the remediation to occur. Homeowners want or need their system repaired quickly. Even though the Aero-Stream® process shows significant results in 6 -8 weeks, sometimes that is not fast enough!

The Cost: The Aero-Stream® process and equipment is substantially less expensive than any other proven solution. When comparing the typical Aero-Stream® installation to the lowest cost absorption field replacement, the Aero-Stream® solution is 85% less expensive. When compared to the average cost absorption field, the Aero-Stream® solution is 90% less expensive, and 93% less expensive on a high cost absorption field replacement.

Best WordPress RSS Feed Generator Plugin – 7 Features It Must Have

There are quite a few feed generator plugins, which you can use with your WordPress blog or website. Some of them will only generate new feeds whenever new content is published on your websites and you will be notified by email about your new feed. But there are also WordPress plugins which will not only generate new feeds but also submit them automatically to numerous RSS aggregators. It is a perfect combination considering the time and money leverage for your business.

What should you pay attention to when choosing such a plugin

Apart from basic automatic feed generator and submission features the tool should be able to:

1. Submit new feed to more than 50 RSS aggregators.

2. Provide Captcha code support. Captcha code is used by some of the RSS directories to protect them from spam.Usually the most valuable RSS directories use this protection.

3. Place your keywords in RSS feed names. The RSS feed which is created whenever you publish new post should use the title of the post in the filename, which obviously is a huge benefit in terms of SEO.

4. Provide you with a list of RSS Feed URL’s for copying or pasting them into other applications.

5. Offer spinning capability for extra feeds titles and descriptions.

6. Create feeds from pages as well as posts.That way you will get more feeds for further submission.More submissions mean more backlinks and more traffic to your website.

7. Offer upgrade capability so that It is possible to use the inbuilt upgrade capability to enable upgrading to the new version without requiring a manual installation.

Benefits Of Hiring A Workers Compensation Attorney

Many injured workers asked the question, why hire a work comp lawyer? There are many reasons to hire a workers compensation attorney however I’ll try to summarize the most important benefits to hiring a work injury lawyer.

The worker’s insurance company will have a work injury attorney assigned to defend them against you and your work comp claim. Their adjusters and work injury lawyers are highly experienced and will generally circle around you. An experienced workers compensation lawyer who only represents injured workers can make sure you are being treated fairly and receive the work comp benefits you deserve if you have been injured on the job.

A local and experienced workers comp attorney can assist you with selecting the right doctor, negotiate with the insurance company and represent you at the Workers Compensation Appeals Board. Most workers comp cases settle before trial, and an experienced attorney can get you the settlement you deserve. If your case goes go to trial, you are going to want an attorney familiar with that court with years of trial experience. Representing yourself is not recommended unless you have years of workers comp experience and knowledge.

Hiring an experienced workers compensation attorney is cheap. A personal injury attorney will charge anywhere from 33% to 50% of your final accident settlement. Worker’s comp lawyers generally work for a 15% fee of your final settlement. Because of the attorney’s years of knowledge and experience, the lawyer generally pays for himself or herself by the value they bring to the work comp case. If your claim is denied, a work injury attorney can definitely help you.

A reputable and local workers comp lawyer will be familiar with your regional Workers Compensation Appeals Board and their judges. The Appeals Board is the court where your case will be heard. The work injury lawyer will save you from the work comp paperwork nightmare which is part of the system. You will no longer have to deal with a workers comp insurance company as your work injury attorney will take over that task for you. You will not have to deal with work comp carrier any longer. If you have suffered a work injury, you already have enough to worry about. Your work injury lawyer can also help you obtain benefits if you are unable to work as a result of your work comp injury. Those benefits may be in the form of temporary disability from the workers compensation insurance company or in the form of state disability payments in your workers compensation claim is denied.

Hiring the right local experienced Worker’s Comp attorney, preferably a member of the California Applicant Attorneys Association, can help you navigate your case from beginning to end for the best possible outcome for you.

Billiard Tables – A Pool Table Review

I am going to review several popular makes and styles of pool tables in the following article. Pool tables are made out of wood. The kind of wood depends on the table. Some of the tables are made out of slate. This is a heavier, more durable pool table, and one of the more expensive ones. The traditional rectangular billiard table comes in 7, 8, or 9 feet sizes, 8 and 9 feet being standard competition play tables.

The first table I saw when writing my review was called The Mercury pool table. It is a standard 8 foot long table. It has a contemporary look, nothing fancy, but it’s extremely stable. The legs are thick wood and offer a tough design. The built in ball storage system is a helpful addition. No need to walk around looking for balls before each game anymore! The table is made out of a mahogany laminate. It has a beautiful, traditional look and functionality that can give you hours of entertainment. The price range is just right on this one. For it’s style and functionality, it was priced at $999 USD.

The next table I saw was known as the Liberty. It was made in a black laminate material. This one also has built in drop pockets, and also inlay sights for lining up those tough shots. The legs are pretty solid, but the feel of the table to me is short. The rails are wide, but it feels low to the ground to me. You can get matching bar stools and other goodies for this table as well. For the overall price, I would pass on this model. It’s priced at around $1900 USD.

The final table I review will be the Manchester style pool table. This table features an old world English pub style, complete with a dark antique finish. The detail work in the wood is amazing. It has hints of stressed wood to give you that hand crafted feel. Most of all it looks amazing and plays even better. A real traditional competitors table. The tapered legs offer added stability to the table, and this one boasts drop pockets for the balls as well. Of course at a price around $2300 USD this one isn’t for everybody, but if you want a well crafted table look no further than the Manchester.

How Enamel Is Different From Emulsion Paint

Paints are organic coating materials, used to protect the wall or any other surface from atmosphere or other environmental factors. There are several types of paints used. Emulsion and Enamel are the two different types of paints used for coating the wall or other surfaces. They are the most commonly used paints.

Enamels are pigmented varnish. It is a colloidal dispersion of pigments in varnish which produce a glossy and lustrous hard coating. The important constituents of enamels are pigments, vehicle, driers and thinner. Enamel paint is available in different colors. It contains white lead or zinc white, petroleum spirit and oil. It slowly dries and become a hard and durable surface. Environment factors such as dust, gases, hot and cold water, acid, steam etc, do not affect the paint. It can be used for both external and internal walls. To improve the appearance, a coat of titanium white in pale linseed is applied before the coat of enamel paint.

Emulsions are the high quality paints which contains materials like Polyvinyl Acetate and Synthetic resins. This paint is easy to apply and will dries quickly in about one to two hours. The color of the paint is retained for a long period and the surface of the paint possesses excellent alkali resistance. The paint is applied by brush or spraying. For longer life, two coats are applied. For rough cement plastered surface, a thin coat of cement paint is first applied to smoothen the surface. Over this, the emulsion paint is applied.

5 Tips for the Best Law Firm Logo

What does your law firm logo suggest to your potential clients?

You only have one chance to make a first impression. Upon meeting a new or prospective client and exchanging business cards, the client will get an impression of your firm based on the law firm logo alone.

So, what does your logo say about your firm?

Your law firm logo represents your law firm to the outside world. Every seemingly insignificant aspect of it makes an impression on the client. Font. Color scheme. Name arrangement. Text size. Spacing. Inclusion of a scale or gavel image.

Looking at your business card and firm logo, your client gets an impression. Your client forms an idea in his or her head of what your firm stands for. Is your logo modern or traditional? Does it make you look frugal and indifferent, like you made the logo yourself in Microsoft Word or does it look like you value your reputation and appearance, and had a professional designer create the logo?

Before approaching a logo designer or creating the logo yourself, there are some very important steps you can take to get a clear picture of what the logo should entail and how it should represent your law firm.

Tip 1: Look at your competitors

You don’t want your law firm to look like the other law firms in your practice area and location, lest your firm be unmemorable to the client. The last thing you want to do is confuse the client with what sets your firm apart from everyone else. See what you like about their logos. Make notes. Try and gauge how their logos make you perceive their law firms. Do their logos make the firms appear professional or do they seem like the firms are unremarkable? Think about what you like and don’t like about these firm logos when deciding on how your own logo is going to look.

Tip 2: Modern or traditional? Decide on a theme

Do you want your logo to be modern or traditional?

These are the two main theme options for law firm logos. This usually means the difference between serif and sans-serif font. What does that mean? Open Microsoft Word or Google Docs. Type your law firm name in Times New Roman, Georgia, or Garamond font. Then, type your firm name again in either Arial or Helvetica. The first three fonts are considered serif fonts because you can see they have little lines on the bottom and sides of letters like A, B, and C. The sans-serif fonts do not have these lines. Serif fonts are associated with newspapers, considered more traditional fonts. Sans-serif fonts are associated with Internet content and are considered modern. Do you want your law firm to have the appearance of a traditional, storied practice or do you want it to appear sleek, adaptive, and modern? The choice is yours.

Tip 3: Choose a Font

Now that we’ve decided whether to go serif or sans-serif, we need to choose which font is going to represent the firm. First thing’s first, it should be noted that you should NOT use a commonly used font. Arial, Helvetica, Times New Roman. People see these fonts every day. Whether they recognize them immediately as Arial, Helvetica, or Times New Roman, people know these fonts. They see Times New Roman while reading the newspaper. They see Helvetica when getting on the subway. They see Arial while reading websites. These fonts do not make an impression anymore.

There are many sites where you can download fonts for free. Google has a directory of free fonts, most of which you’re guaranteed to not have come across. Take a look around. Use the Google Font tool to test out your law firm name in different fonts and compare them side by side.

One last tip on choosing a font: Don’t be indecisive. While two or three fonts may look similar to you, your clients will never know the difference when you choose a font for your law firm logo. They will never know that it was down to three similar fonts. The client will likely not be influenced any differently by similar looking fonts. You may want to ask someone else for their opinion on two or three fonts, but make a choice and stick with it.

Tip 4: Choose your colors

Online you can find many color wheel tools useful to help web designers choose color schemes. Click on a primary color and they will suggest complementary colors. Just make sure that you use a color selection helping tool. Otherwise, you may end up picking two colors that just don’t work together.

When picking colors try avoiding those of a law firm in your practice area and region. You want to make sure you stand apart in the mind of the client. If you think every color combination has been taken by the firms in your region, just ensure that your logo look different to distinguish you from your competitors.

Tip 5: Images or No Images?

Often a law firm logo entails an arrangement of the names of the partners. Sometimes it’s an abbreviation of those names. Other times, the logo includes a tried and true symbol of the legal profession – the scales of justice – or a gavel – alongside the partner names.

Generally, I hate the scales of justice and gavel. They’ve been played out. They’re overdone. They’re sickening. They’re unimaginative.

If you are going to include an image alongside your partner names, why not include a memorable image that represents your law firm, conveys professionalism, and also originality? You can do this by including an image, if you so choose, of the initials of the firm partners’ names. If the firm is Crane, Poole, and Schmidt, you could have a small CPS initialed logo. This is a more modern element to law firm logos, differentiates the firm, and also looks professional. So, if you are going to include an image, consider shelving the gavel and scales for something a bit more contemporary and unique.


With all of these tips in mind, you’re ahead of the game. Whether you decide to make a logo yourself or approach logo designers, you know what you want your logo to convey. You know the message you want your clients to receive. You know how your competitors look and how you’re going to look different. Now, you can clearly envision what your logo is going to look like without having to get wildly different designs from a designer that won’t be useful for your firm.

If you are proficient at Photoshop, I would suggest taking a shot at creating a logo yourself. If not, maybe you should consider hiring a logo designer. In this crowdsourcing era of Internet technology, logo designs can be incredibly inexpensive. There are many sites now like where you can crowdsource your logo design, having up to several hundred design mock-ups sent to you by freelance designers, with you choosing and paying for your favorite.

Good luck.

7 Step Sales Process of High Income Auto and RV Sales Professionals

High income car and RV salespeople follow a 7 step sales process. They follow the sales process on each and every contact. No exceptions. There is no deviation. No skipping steps. It just doesn’t happen.

Auto Sales an Art AND a Skill

Rembrandt was considered one of the greatest painters in European history. Do you know who Pieter Lastman or Jacob van Swanenburgh were? Rembrandt apprenticed under each of them.

What’s that got to do with car and RV sales people? Nothing. And everything. Everything, that is, if you want to be a top income earner. To be a Rembrandt you need coaching. You need sales training. You need practice to develop your style, your talent, your selling techniques.

The art is the finesse. For prospective buyers, it is bringing to reality what works for them without manipulation, without shady tactics or tricks. Professional selling technique is the ability to listen intently, ask relevant value adding questions, and package it all in a vehicle that meets the prospect’s needs and budget.

7 Step Auto and RV Sales Process – Work It!

Walk into McDonald’s anywhere in the world and you will find the same friendly smiles although the faces may be different, a similar menu although reading it may be difficult, and the same production process. The recipe works. It works for McDonalds. It works for Wendy’s. It works for Tim Hortons. It works for the Colonel along with a whole regiment of other franchises. And the 7 Step Sales Process of top auto and RV sales income earners will work for you.

Will there be exceptions? You bet. Even in the most well oiled system glitches surface from time-to-time. There is occasional franchisee – franchiser incompatibility. There are occasional let downs in traffic expectations compared to market analysis. There are occasional language challenges. Reality is, in all things, there will be occasional surprises.

So what. Move on. Like the franchise system, the following 7 Step Auto and RV Sales Process works. And, yes, there will be exceptions. There will be the cash buyer who insists on a large discount. There will be the prospect whom you just cannot settle down on a vehicle. There will be… There will be… There will be… There will be exceptions, the occasional incompatibility for whatever reason. Move on. The sales model works consistently, with an occasional exception.

The 7 Step Sales Model of high income auto and RV sales people is:

1. Introduction

2. Qualification

3. Selection / Presentation

4. Demonstration

5. Negotiation

6. Application

7. Preparation / Delivery

That’s it. To close more deals, follow these steps each and every opportunity. No exceptions. By the way, career auto and RV sales professionals have an 8th step – Progression, moving the new Customer to a walking, talking referral machine. Wanna be car sales guys and gals just cannot seem to grasp this. Write me for more detail. Remember: Nothing happens until someone sells something. Sales Champions Make It Happen!

The Benefit Of Owning A 4×4

We stay in a wonderful country! A country with beautiful landscapes, intriguing sites to visit combined with a rainbow of heritage to explore. There is nothing quite as delightful as a weekend away with close friends and loved ones checking out the elegance that this country has to present!

The ultimate way to do this is in a 4×4!

The obvious difference between a 4×4 and other cars lies in how the vehicle’s power/traction/drive is utilized by wheels. When it comes to a front wheel drive vehicle, both the front wheels will be pulling the vehicle forward. In the case of a rear wheel drive vehicle, the two back wheels will be pushing the car forward. In the case of a 4×4 it then effectively means that the 2 front wheels will be pulling the vehicle while the two back wheels are pushing.

Getting traction on all 4 wheels is notably helpful on tough or uneven surfaces. Envision trying to drive out a steep slope with a rear wheel drive car. The minute one of the rear wheels loses traction (maybe by ending up in a ditch or stuck behind a rock or other hindrance, only 1 wheel would be able to drive the car out of trouble. I’m certain you will agree with the fact that this is not ideal! When it comes to a 4×4 there will still be one rear wheel to push the car forward, but concurrently the 2 front wheels will also be pulling it forward.

4×4 vehicles have a number of features which make them better all-purpose vehicles than normal passenger vehicles.

Let’s have a look at two or three these:

The ability to travel on paths not accessible by regular passenger vehicles. If you love the outdoors and camping, you will sometimes visit distant areas or even lodges and other spots with gravel roads. Even though some of these paths can be cautiously negotiated by your normal passenger vehicle, some road surfaces is likely to be less than perfect (particularly in rocky terrains or on a muddy surface after a lot of rain) and you might end up spending your trip in your car as you wouldn’t be able to reach your destination in a regular car.

Greater ground clearance. This is pretty important when trying to cross an hindrance or when driving on a less than smooth surface. The very last thing you’d want is for your expensive performance car to be excessively scratched when you are trying to reach your isolated hideaway in the bush!

A lot more room for your baggage. Have you ever tried fitting 4 camping chairs, a tent along with a week’s apparel and supplies into the trunk of your passenger vehicle? 4×4’s typically have bigger cargo areas to make packing for a trip just that much easier!

The option to be turned into a bedroom. There are plenty of 4×4 accessories and add-ons available. One of those add-ons comes in the form of a rooftop tent which can be put up on the top of your 4×4. Try visualizing your passenger vehicle with a camping tent on the roof. it doesn’t quite work, does it?

4×4’s can add a lot of comfort and convenience to your life! Buy a 4×4 and enjoy the life of adventure!

Bailment Under CONTRACT Laws


Bailment means a legal relation that arises whenever one person delivers possession personal property to another person under an agreement by which the later is under an obligation to return the property to the former.


The term baillment is derived from a French word ‘baillior’ which means to deliver.


“A bailment is the delivery of goods by one person to another for some purpose upon a contract that they shall when the purpose is accomplished be returned or otherwise disposed of according to the directions of the person delivering them.


There are two parties in the contract of bailment.

(a) Bailor:

The person who deriveds the goods is called bailor.

(b) Bailee:

The person to whom the goods are derived is called bailee.


Following are essential of contract of bailment.


It is a basic essential for bailment.


Property must be moveable in contract of bailment.


The delivery of goods should be made for some purpose under a contract.


In bailment possession is changed from one person to another person.


The goods are delivered for some specific purpose to another person.


The ownership is not change. It remain to bailor.


There are two parties to the contract of bailment bailor and bailer.


The goods must be returned to the owner of property or disposed according to the direction of bailor.


Following are the duties or responsibilities of bailee.


Bailee is bound to take as much as care as the man take care of his own good.


Bailee is bound to act according to the contract of Bailment.


Bailee can not deny the title of the goods delivered to him.


It is the duty of Bailee to return or deliver the goods to bailor or according to his directions.


Bailee should return the goods at proper time.


Bailee should return the goods at proper time.


He is duty bound to return the increase or profit to bailee.


Following are the rights of Bailee.


A Bailee is entitled to recover damages If he suffers any



A bailee is entitled to receive compensation from the bailor for any loss resulting from the defect of bailor title.


Bailee is entitled to recover all expenses for any purpose of the bailment.


Bailee has right to retain the goods until debtor claim is



He has right to receive the amount of indemnity from bailor for any loss which may sustain by reason that the bailor was not entitled to make the bailment.


If a third person wrongfully deprives the bailee of the use or possession of the good bailed. He can file suit against such person.


He is entitled to lawful charges for providing services.


To conclude I can say that. The person to whom the goods are delivered under the contract of bailment is called bailee. He is bound to act accordingly the direction of Bailee. Bailor and Bailee. Have right and duties under the contract Act.

Storage for Cereal Lovers

If you use proper Cereal Storage you won’t have to tell stories like this one. My son just came and said to me ” we need some milk but I just wanted to let you know the cereal in the boxes are stale but the Fruit Loops in the cereal storage container is still fresh”. He could have easily said “Dad you wasted some money by leaving your Raisin Bran in the cardboard box dummy”. And yes I did have the you blew it this time look on my face.

The key to keeping your Raisin Bran (o.k. not everyone eats Raisin Bran) fresher for longer periods of time would be air tight sealed containers to keep out moisture and insects. It is truly a no brainer, look who’s talking.

Humor Your Taste Buds

More than likely, you ended up eating some Rice Crispies that were less than fresh, and more than likely your taste buds did not appreciate it. When you buy Captain Crunch, you want it to be crunchy, and of course you do not want your Cheerios to end up feeling like Gummy Savers (the only thing worst is sour milk).

Keep Away the Bugs

Often, if you have cereal around for too long without having it in a sealed container or cereal dispenser, you may end up having a few extra things in your bowl. Especially if you live in the warmer southern states, you really have to be careful about the storage and storing other types of dry goods, such as flour and sugar.

There are all kinds of bugs that would enjoy nothing better than some fun in the Special K box(okay that must be the insects on a diet), so you want to be sure that you use proper cereal storage to keep this from occurring.

Saving Money

Usually you will find that these products only has a shelf life of about 2-3 months max, and usually shorter than that once it has been opened. How many times have you had to throw out a $4 box of Captain Crunch because it went stale, or had to clean out the cupboards because bugs decided to throw a party in your cereal boxes?

Everyone wants to find ways that they can save money, and just by investing in some proper storage containers for your cereal, you can save money and cut down on the waste.

Cereal Storage time guidelines;

Cereals, ready-to-eat Room Temperature 2-3 months

Cereals, ready-to-cook Room Temperature 6 months

Corn meal, Room Temperature 1 year

Flour, cake, all-purpose, Room Temperature 1 yr

The Cereal Storage Solution

As you can see, storage is very important for a variety of different problems. A great way that you can save money, avoid getting bugs in the Puffed Wheat, and make sure that it always tastes great is to invest a little bit of money in airtight storage containers. Sure, it will cost you a little bit to purchase them, but think of all the money you could be saving in the long run. Please remember that all plastic containers are not made for food storage.

Whether you eat cold ready to eat , or you enjoy other types of cereals like oatmeal, Malt-O-Meal, or even grits, it is important that you store each of them properly. When you eat breakfast you want to know that when you take the first bite, it is going to taste great. There is no need for you to ever eat stale cereal again. Get the right storage containers and no doubt you will be able to enjoy a great bowl any time of the day, and you can save money while you are doing so.

I have seen a box of Raisin Bran last 6 months in a properly sealed container. I know this because no one in my home will eat Raisin Bran but myself.

I’m like a big kid I can eat Raisin Bran 24/7. I see you thinking about running to the kitchen right now!

What is the Difference Between an Air Cooler and an Air Conditioner?

Laymen tend to confuse the different types of equipment used for cooling homes. Many people do not know which one to buy that will suit their budget and cooling requirements at the same time. There is a world of difference between an air-conditioner and an evaporative cooler (EC), although both are used for cooling purposes. They are designed to cater for different requirements.

Here is a summary of the major differences between these two types of cooling machines.

An evaporative cooler employs hot air and water to cool your room. The hotter and dryer it is outside, the better an evaporative cooler works. Apart from cooling the room, the evaporative cooler also adds moisture to the air. So there are uses of this machine in the winter season too as it works as a humidifier.

The EC is much less costly when it comes to the electricity bills. Basically it works in a more natural way of cooling the room but will not usually be able to achieve the same level of cooling as an AC, and is of minimal benefit in humid climates. The EC does not use hazardous gases that damage the environment unlike the air conditioner.

The air-conditioner works more like a refrigerator, employing a compressor to generate the cooling process.

The air-conditioner functions smoothly in all weather conditions and can maintain a constant level of cooling. The technology used in the AC gives a homogenous level of cooling throughout the room, unlike the EC. The AC has to have an outdoor unit, as it throws the hot air outside, but evaporative coolers come in different shapes and sizes apart from the window EC. The AC performs the sole function of cooling and is of no benefit in the winter season.

Sub Zero Refrigerators – Are They Worth the Money?

I’m often asked by my customers if Sub Zero refrigerators are worth the money. My answer is always the same – maybe. Let me explain…

If you are talking about longevity, overall quality, and food preservation, my answer is always absolutely! And if the price tag fits in your budget, it is a no-brainer to me. I owned one a few years ago and can tell you my strawberries lasted up to two weeks (which was incredible considering my produce department background!); cheese left on a plate (as an experiment) didn’t mold or crust over after a month; and an opened container of ice cream was still fresh after discovering it more than a month and a half later.

Sub Zero claims a family can save as much as $25 a week in food spoilage because of the dual refrigeration system. I always thought that was an exaggerated claim until I owned one and estimated I was saving approximately $10 a week as a bachelor. If you are a Costco shopper and like to buy things like the multi pack of Romaine lettuce and find you can’t make it past two head before they spoil, the more humid compartment Sub Zero provides will give you more time to finish the package of lettuce.

A major advantage of having a dual refrigeration system as Sub Zero has is longevity. The average life of a refrigerator today is approximately 10.5 years. Sub Zero’s average lifecycle is 17 years. (Climate has a contributing factor. In the Pacific Northwest where it is cooler than in the southern U.S., refrigerators don’t have to work as hard because of a lower average temperature. It is not uncommon to find Sub Zero refrigerators lasting beyond 20 years here.) The reason for a longer lifespan is largely due to having two compressors. One cools the refrigerator while the other cools the freezer. Most other refrigerators have a single compressor that is working most all the time. It doesn’t take much imagination to see the dual system lasts longer.

Overall quality is excellent because these refrigerators are still built largely by hand and in the USA. They are a family owned company and take great pride in their product.

So I hear you saying, “Why does Consumer Reports show a higher rate of repair?” Consumer Reports show service history for products under warranty. This is a bit of a disadvantage for companies with a generous warranty such as Sub Zero. Most companies offer a 1 year parts and labor warranty with up to 5 years on parts. Sub Zero offers the industries strongest warranty – 2 full years parts and labor and up to 12 years on the sealed system! The other thing C.R. doesn’t tell you is that a lot of the service calls have to do with improper installation (water / icemaker not working because the installer didn’t turn the water valve on, etc.) or even for something as simple as a broken icemaker. Icemakers are the Achilles Heal of the appliance world. For as good as Sub Zero is, they use icemakers made by Whirlpool. There aren’t many icemaker manufacturers to choose from in the industry.

If you have a large family and you are at the grocery store several times a week, don’t plan on being in your home for more than 7 years, or if you are like a costume of mine who while writing his check out for his Sub Zero proclaimed, “$8000.00 just to keep my beer cold”, you may do just as well with something under $2000 – depending on your kitchen design. However, if it fits the budget, I will highly recommend buying a Sub Zero.

Attract Money With Runes and Laws of Quantum Physics

Rune Meditations FA for Wealth/Prosperity

For the first time you can now combine the Ancient Wisdom of the Runes with the power of Quantum Physics to attract wealth.

I believe in the power of the Universal Creative Energies called the RUNES. The power of the Law of Attraction. The Law of Three. The Law of Resonant Frequencies. All laws you can now use to recreate your life the way you want it.

All these laws are now fully explained in the modern day language, called Quantum Physics. Our ancestors and the modern day metaphyscians called these working laws The Mind of God.

By consciously using these laws we can change our destiny, and our lives, to include more abundance, health and happiness.

Runic energies are the most powerful way to do this.

I am sharing with you my 25 years of rune work. I will use the modern languages of energy and Quantum Physics.

Runes, Rune-Meditations, Rune-Magic, Rune-Yoga are all part of the great truth of Creation.


You will notice that there is a great similarity between this meditation and the meditation for health. I am a firm believer in repetition. The more you see something, the sooner you will grasp it

What you about to read, about runic energies, you won’t find on any where else. This is the first time RUNES are presented from a strictly energy point of view.

To practice this runic breathing exercise you do not need any ritualistic paraphernalia. All you will need is to print out the oversized rune you will find at the this lesson.

It is best to print it out on hard card stock, it will last longer.

For this runic breathing exercise we will use RUNE-FA . The Rune of mobile wealth.

To begin, sit comfortably in your favorite chair. It is best if possible to use the same chair everyday for your runic meditations. In this way the chair will become imbued and charged with runic energies. After awhile, just sitting in the chair will bring you the feeling of peace and calm.

Relax, do not strain. Breathe slowly and deeply Do not be concerned if you are doing it right or wrong. Do not be concerned if you are pleasing or displeasing a god/goddess. It is not a ritual. It is about attracting rune energies.

It is your personal rune-meditation-for-wealth breathing exercise. It is energy and vibrations.

Where you place your attention your energy flows. You actually touch what you think about, and it will touch you back. When you place your attention on the runes in the Quantum Ocean their energies will flow towards you. You are performing an energy transfer.


The runic wealth energy that you are about to attract has to have a specific target, a specific place to flow to. You will now prepare yourself to mentally receive these energies into your personal energy field (AURA.)

Once your personal energy field is charged with this runic energy then you can mentally create whatever means to this wealth that you desire

Or, you can let this rune energy circulate throughout your body and energy fields, charging each cell in your body with the desire for wealth energy.

Or, you can mentally send runic energy to someone at a distance to help their wealth process to begin.

This is known as magic at a distance.

Your mind is a very powerful radionic tool, if it is used correctly. Visualization is one of its most creative tools. It works extremely well with runic energies.

We are not going to attach any magical, mystical, spiritual, religious or secret meanings to our runic breathing exercises. We are simply going to think of it as our individual energy system exercise. It is into this middle pillar system of energies that we will pour our runic energies..

You can visualize your five energy chakras as basketball size spheres.

These five chakras are :

* CROWN CHAKRA basketball sphere 4″ above your head.

* THROAT CHAKRA basketball sphere in neck and throat area.

* HEART CHAKRA basketball sphere in heart area.

* GENITAL CHAKRA basketball sphere in genital area.

* GROUND CHAKRA basketball sphere in your feet area.

These five chakras are lined up in the center of your body. There is a 3″ tube connecting each one. This way the runic energy can flow from the crown chakra to the ground chakra.



Sit quietly and visualize your middle pillar energy system within you.

Visualize an infinite ocean of energy, the Quantum Ocean all around you. Use whatever visualization you wish. This is not a prayer nor a sacred ritual to the gods/goddesses. You can’t do it wrong. This is your own personalized runic energy healing exercise.

Hold the large FA cardboard rune in your lap with both hands.

Look at it. As you place your attention on the runic symbol on your lap the FA energy from the Quantum Ocean will start to flow towards you.

Your runic energy must have a target, a place to go. This is where most students make their mistake. You must give the energy a specific target.

The runic energy target will be your Middle Pillar Energy System .

Now slowly and steadily, while looking at the FA rune symbol, breath this energy into yourself. Breath it in as if it were a wonderful flowing stream of light.

Intone (say mentally to yourself)

“I am now inhaling the PROSPERITY runic energy of FA, from the Quantum Ocean into my crown chakra (4″ basketball sphere above your head.”)

By using your mental powers you control the runic energy exchange from the Quantum Ocean to your energy fields.

Mentally see this runic energy flowing from the Quantum Ocean into your crown chakra. See your crown chakra fill up with this energy.

Take a moment and feel and visualize this crown chakra full of runic prosperity energy. Do not rush.

As you advance in your studies you will learn to use colors also.

For now it is suffice to use white light. But make it a dynamic, sparkling white light.

Intone three times.

Take a deep breath each time, look at FA rune in your hands.

The runic energy in the crown chakra will now start to flow down the 3″ tube and start to fill your throat chakra.

When your throat chakra is full of runic energy, see this energy flowing down the 3″ tube into your heart chakra.

When you heart chakra is full, see the energy flowing down the 3″ tube into your genetal chakra.

When your genital chakra is full, see the energy flowing down to your ground (feet) chakra.

Take a few minutes and sit in your middle pillar of runic prosperity energies. See this rich white FA energy filling all of your 5 spheres (chakras) and your middle pillar.


Start to circulate the money energy around your body.

Visualize a 3″ stream of this white light flowing out of your crown chakra and flowing down the front of your body.

This 3″ energy flows down your face, your chest, your stomach, your genetals, your legs, to your feet and toes.

Then under your feet and up your heels, your calves, your thighs, your buttocks, your spine, your neck, back of head and back into your crown chakra.

You now have a flowing ring of runic money energy flowing down the front of your body and up the back. You have the first ring of energy around your body.


Start a second stream of energy out of your crown chakra down the left side of your head, your ear, your shoulder, your arm, your hip, your thigh, your leg, your ankle.

Under your feet and up the right side. Your ankle, thigh, hip, shoulder, ear and back into the crown chakra.


From your heart chakra visualize a third 3″ flow of energy coming out of your heart. Let it flow to about one foot in front of you.

Now circle it clockwise around your body from left to right.

Let us stop here for a moment. This may sound very complicated. It is not. After some practice you will be able to do the whole middle pillar healing exercise in 15 minutes.

Fifteen minutes once a day to improve your health, wealth and happiness. This is a small price to pay.

Remember we are dealing with energies. Energy flows. That is what we are doing, getting the energy out of the Quantum Ocean to flow towards you and into you

You have now created 3 rings of flowing runic energy around your body.

One around the front of your body from crown chakra to feet and up your back.

One around your body from left side of crown chakra down the left side of your body. Up the right side of your body and back into the crown chakra.

One around your middle, clockwise.

Now expand these three rings so that you fill your aura, which is one foot from your body. See and fill your aura full of white prosperity runic light. Forget about the 3 rings and concentrate on your aura being full.

This is your egg shaped auric shell. This is where all prosperity begins.

You always have an aura surrounding you. Most people have aura’s that are very close to their body like a pair of pantyhose. We want to expand our auras out so that they are surrounding us at least one foot from our bodes all around us. This gives us more energy and more protection.

By continuing your breathing exercises your aura will get stronger and stronger. Your health and well being will also increase as your aura gets stronger.


(1) Give yourself a general prosperity healing session?

(2) Send prosperity energy to a certain business?

(3) Send this prosperity energy to a friend or loved one? (distance does not matter)


Take a deep breath and mentally intone:

“I am now inhaling this powerful runic FA energy into every cell of my physical, mental, emotional and spiritual bodies.”

Feel the energy from your auric shell entering your body and filling every cell.


Take a second breath and repeat intonation.


Take a third breath and repeat intonation.


Now sit quietly as your auric shell, which is filled with FA wealth energy, charges every cell of your body.

Sit as long as you like.

Give a silent thank you to the Rune FA .

Know that the Rune Meditation for Prosperity is at work as you go about your business


Let us say you have a particular business or money making plan that you want to send prosperity energy to.

Let us say that you are concerned about your website business.

While you are sitting in your chair with your auric shell full of runic FA energy, take a deep breath and intone mentally:

“I am now sending the powerful prosperity energy of the FA rune into every fawcett of my webiste business.”

Visualize the white sparkling energy in your aura flowing into your website. Visualize your website on the screen in front of you. Your website as far as the Quantum Ocean is concerned is a living entity. All living entities give off and attract energy. Treat it as if it was alive and send it prosperity energy.

Again three breaths.

Three and nine are the magical multiples when using the runes.

Sit as long as you like and enjoy the felling of well being that this transfer of energy between you and your website will bring you.

You can do it as often as you like.

You can use this breathing exercise and send the energy to any business or money making plan you have.

We are talking about energy. The beautiful simplicity of this exercise is that we are attracting energy out of the Quantum Ocean (MIND OF GOD). We are then using our minds to direct this prosperity energy to where it is needed.


Send wealth energy to the business of a friend or a loved one. Life-force knows no distance barrier. It does not travel like electricity does in our three dimensional world. The only distance in the world of Life-force (Quantum Ocean) is similarities of shape.

When you think of your loved ones business you set up a mental link. The thought of your loved ones business in your mind is your loved ones business as far as Quantum Ocean is concerned.

So, when you think of it, you are actually making contact. You are touching the business. Close your eyes and think of the business. You are mentally sending it the energy you have stored in your auric shell. You are touching it with this energy. There is no distance between their business and your mental picture of it.

With your aura filled with the runic FA energy, take a deep breath, visualize your loved ones business in your mind, then exhale slowly through your mouth and see this prosperity FA energy flowing out of your mouth and into the auric shell of the business.

Once it reaches the auric shell of your friends business it will know where to go to bring prosperity.

You can also hold a photo or a business card of your loved ones business in your hands and breathe on it. The prosperity FA energy will flow into the picture and into the business.

The Creator God made all his laws simple . Only man complicates them.

Learn all you can about the Laws of Quantum Physics. The next 2000 years will be all about energy and energy transferring.

You can use runes and the Laws of Quantum Physics to attract wealth energy out of the Quantum Ocean (Mind of God) and into your life.