Mark A Cella Better Ethics Are Needed In America

Mark A Cella on the Foundation of Ethics

Better Ethics Stem From Moral Values and a Belief System. Today’s Society is Very Complicated and Corrupt and Better Ethical Direction Will Bring Prosperity.

If ethics is the glue that holds any society together, then better ethics can only make life better for each and everyone in our society. Most Americans have a firm and honest grasp of ethics that governs the way they behave and the choices they make.

It is these ethical stances that dictate whether a community will stand firm together as one, or disintegrate due to the resulting friction brought about differing ethical positions.

Ethical values come under threat by people who are ardent for success by using unethical means. While the pressure to succeed in life can prove too much for some, that is never a good reason for one to abandon ethical values, which are the moral fabrics that keep societies and families together.

The pillars of good ethics such as responsibility, loyalty, and truthfulness assist in making right decisions regardless of the current situation or the environment that individuals may find themselves in at any given time.

Adhering to ethical behavior when faced with tough situations facilitates self-confidence, which is directly attributed to courage, a quality necessary to maintain ethical behavior.

These are qualities that successful people have in abundance and as a result are willing to overcome their fears and take risks in accordance to the principle of success. Better ethics are part of success, and for this reason it is imperative to have the pillars of good ethics be entrenched at an early age.

Mark A Cella Better Ethics Are Needed in America

The unethical on the other hand result to such tactics as telling lies or cheating due to their fear of failing. The evening news is impregnated with examples of unethical behavior in politics, corporate America, and families.

For example, the unethical behavior of a Susan Smith led to the murder of her two children in October of 1994 when she drown them in a lake in order to revive a relationship with a local man who didn’t want a ready-made family.

The Unethical behavior of former President Bill Clinton, who had intimate relations Monica Lewinsky in the White House and then lied about it, resulted in lowering the standards of our positional presidential candidates, which may have been the direct cause of overlooking the un-convicted felon Barak Obama as a candidate for president.

Mark A Cella on the Foundation of Ethics

Ethical behavior is a result of moral beliefs, which stem from a value system often attributed to a foundation spiritual belief or the worship of a higher power.

While a small minority of society races to eradicate any public acknowledgement of God, these same people would be replete to explain their own foundations of right and wrong absent the moral law of the Bible.

Better ethics stem from a sense of right and wrong, good and bad, moral and immoral, which all come from a source, and in America, the source is the Bible. Even the laws of America were established in lock step with the principles of the Bible.

In Washington D. C. you can see a monument of Abraham Lincoln, a true man of freedom who reverberates a sense of right and wrong, an ethical man who said in regards to the Bible:

“In regard to this Great Book, I have but to say, it is the best gift God has given to man. All the good the Savior gave to the world was communicated through this book.”

- The Collected Works of Abraham Lincoln edited by Roy P. Basler, Volume VII, “Reply to Loyal Colored People of Baltimore upon Presentation of a Bible” (September 7, 1864), p. 542. -

Mark A Cella on the Foundation of Ethics

What better ethics is there than to do good to one another in society? But today in America ethics are under attack.

While military’s can protect a nation, and Congress can control the governing of a people, without ethics and ethical behavior a nation is defeated and lost, imprisoned and enslaved, and oppression reins supreme.

Therefore let those who are unethical fail in their pursuits and those who are ethical richly succeed.

But most importantly, let us never forget where the foundations of our ethical behavior stems from, and let us display courage to acknowledge truth, never forgetting that freedom is the result of better ethics from courageous men.

Visit Mark A Cella‘s site, www.Mark-Cella.com for more Mark A Cella fun and serious matters.

What Is A DWI Or DUI?

DUI means driving under the influence of illegal substances or alcohol. It is sometimes also termed as DWI (Driving While Intoxicated) and OUI (Operating Under the Influence). If you test at a .08% blood alcohol level or above it is used as evidence of Driving Under the Influence and that is illegal in all states.

A DUI sounds pretty open and shut doesn’t it…Driving Under the Influence. Pretty straight forward, right?

Let’s look into this seemingly simple definition in more elaborate detail to demonstrate a few conceivable areas where well-prepared lawyer can attack a DUI charge.

Driving Requirement

The requirement of operating or driving suggests that the driver of the vehicle must have some sort of control or command of the vehicle. Innocence or guilt may depend on whether the defendant was actually “driving” in a particular circumstance. What if she or he was just sitting in the driver seat but it was off? What if the defendant was sleeping there? What if the keys were in the defendant’s pocket and not in the ignition? What if that car was out of fuel and could not be started even if he or she wanted? What if the automobile was idling and not in gear? What if it was being towed? Courts through out the nation have considered various scenarios to ascertain whether or not the necessary control over the vehicle was present and the outcomes vary by state and by the individual context. Vehicle Requirement Trucks, cars and vans are obviously considered to be vehicles for drunk-driving law purposes. However, individuals have been convicted of drunk driving while operating motorboats, mopeds, dirt bikes, snowmobiles, electric wheelchairs, golf carts, bicycles and ATVs, although the vehicle types considered differ in each state. Intoxication One way prosecutors try toprove driver intoxication is through scientific testing of the amount of alcohol in ones body, usually by analyzing the breath or blood. These tests are usually administered by machines, such as the Breathalyzer. In every single state, a person with a BAC (blood-alcohol concentration over 0.08% is considered intoxicated.

Implied-consent laws create the legal presumption that if one takes advantage of the privilege of operating a vehicle, she or he automatically consents to a chemical testing to determine his or her BAC. If a driver refuses to take a chemical-alcohol test, his or her license may be revoked or suspended.

Blood-alcohol concentration test results over the legal limit are often presumed to be proof of intoxication. However, defendants may challenge the conclusiveness of the results by showing irregularities in the test administration procedure or problems with the equipment used for testing. For example, your lawyer may request retesting of your breath sample tubes. She or he may be able to obtain exclusion of the original breath test results from the case or even dismissal of the casecompletely.

Other types of evidence used by prosecuting attorneys to show intoxication include drivers’ statements, police and witness observations of behavior and driving patterns of circumstantial evidence. An example of a type of possible relevant circumstantial evidence is that a the accused, before driving, spent the afternoon at a party where drinking games were played.

Police also gather important evidence of inebriation by administering standard field sobriety tests at traffic stops. Common field sobriety tests include:

* Finger-to-nose test

* One-legged stand

* Walk-and-turn test

* Horizontal-gaze-nystagmus test

* Picking up coins

* Counting backwards

* Reciting the alphabet

* Throwing and/or catching a ball

Conclusion

Driving is the basis of the American lifestyle for most, permeating every activity we do. We relyon driving to get to work, to associate with friends, to run errands and to take a holiday. Licensed drivers transport children, people with disabilities and senior citizens to important appointments and activities. A drunk-driving conviction can bring a screaming halt to your life. If you face a potential problem with drinking while driving, a lawyer can stand up for you and help defend your interests and those of your beloved relatives.

Also check out these highly relevant links: Sequatchie DWI Attorney and Attorney Marketing.

Ask Doctor Debt Aims To Educate The Public On Financial Literacy And Debt Collections

It is about time that someone stepped up in an endeavor to enlighten the public on legal debt collection practices and general financial literacy. With a innumerable amount of imitation debt collectors throughout the United States preying on innocent consumers, Ask Doctor Debt serves to cure this ever growing situation by giving consumers an outlet in which to ask questions in relation to their rights and any and all debt related questions.

The ACA International Education Foundation is a nonprofit organization whose undivided purpose it to improve financial literacy among the non-financially savvy. Also known as the Association of Credit and Collection Professionals, ACA International is a essential resource for all those in the credit and collection industry and not just for consumers. This association is comprised of over 5,500 members throughout the world including attorneys, creditors, collection agencies, and asset buyers to name a few.

Ask Doctor Debt is the foolproof solution to this ever increasing issue. The ACA International Education Foundation created this user friendly website in an effort to educate consumers with this hasty, simple, and free solution. In order to do so, the website combines a typical question and answer article segment into the online universe by enabling users to search usual questions and answers in a multifaceted database, ask their own anonymous questions for more experienced members to answer, and research tools and tips on aiding average consumers get out and stay out of debt.

John Nemo, ACA Internationals Public Relations Director commented on the new Ask Doctor Debt initiative by simply stating that an enlightened consumer who understands his or her rights and responsibilities when it comes to the credit and debt collection process is far easier to work with than someone who does not.

In addition, dealing with debt and credit issues can be an emotional and sometimes intimidating process. It doesn’t need to be. If you know your rights, fully perceive the situation you’re in and what choices are available, you can avoid unnecessary stress while making the best decision for you and your family’s financial well being.

ACA Internationals Ask Doctor Debt is a solid effort at educating the public and helping collection agencies in the process. It aims to not only protect consumers from fraudulent debt collection companies with illegal practices but also to assist those reputable collection agencies in handling consumers that are more knowledgeable in the debt collection field.

Rapid Recovery Solution is a commercial collection agency.

Discrimination By Religion

The law requires that no man should be discriminated because of his or her religious beliefs. Religious discrimination is the involvement of a person’s religious belief with his or her capability to work as an individual in an office environment. This law covers all parts of the free nation of the United States of America, and protects not only the major religions of Christianity, Buddhism, Islam, Judaism and others, but also other religions like those belonging to the minority and lesser known factions.

It is also considered religious discrimination if the employer or any of the victim’s coworkers would treat an individual differently because he or she is associated, married, or has a child that belongs to a particular religion that is different from mainstream beliefs. Being associated with a religious group or a group with a religious theme also covers you against cases involving religious discrimination.

All aspects of the job require protection from harassment and discrimination. This includes hiring and acceptance, firing, paying and salary, promotion and laying off or termination, company benefits and insurance as well as being covered by several responsibilities of the company to its employees.

Harassment is an extensive amount of activities that are designed to make the experience of the employee uncomfortable during his or her working hours. Teasing and harassment are quite different, though if you think about it, the conditions are all quite relative. Teasing only becomes harassment when not only does it make the situation uncomfortable for the worker, but also for the people around the worker.

The law requires that the employer should accommodate a person’s religious duties. If the employee requests leave of work or holiday because of special religious holidays, the employer is required to accommodate if it does not severely affect normal business operations. An employer may accommodate lost working hours by switching schedules, imposing reasonable overtime hours at the employee’s convenience and if the employee requests segregation, then he or she should allow it.

To find out exactly how employee harassment works, visit this website about harassment in the work place.

Anger Management Classes – 9 Frequently Asked Questions

What are Anger Management Classes?

Anger management classes are not used for psychotherapy but to teach educational anger management skills. Classes usually last for one – two hours per session, with a minimum of ten sessions, with the maximum number of sessions being determined by your needs.

Who are the classes for?

If you are instructed by the courts or your employer to take a course you should take one.

If you have a lot of problems with people and you feel like you can listen and communicate better, develop better judgment, better manage your expectations, or be more empathetic, then our classes are for you. You will improve in all of these areas and more.

Is there any difference between individual counseling and Anger Management Classes?

The main difference between the two is, the class is done in a group setting, unless it is an online course.

Individual counseling takes place one on one. You will have a personal coach guide you through the lessons you need to learn.

Can an Anger Management Class be taken in different ways?

There are individual coaching classes, home study courses, group classes, and online study courses.

How are the online courses?

The online courses will teach the same things as the group classes, but they are done completely online in our online classroom.

How do I know that Anger Management Classes are going to help me?

You know that anger management classes are going to help because they have helped 96% of those who have used them in the past.

The big thing you need to bring with you is a reason for change. In the past, the people who came to the class with reasons why they wanted to change were successful in their goals.

The methods we use have been tested with experience and evidence from the past.

How do I know if I have an “Anger Problem?”

The answer to this question can be lengthy and while there are many answers, I will say look to see if your anger leaves you feeling distressed in your body or your mind.

When angry do you become nauseated, winded, dizzy, or sweaty? Do you feel depressed, guilty ashamed or anxious. Are you angry for longer than you want to be? Are you having relationship problems because of anger? Are you angry a lot? When angry, do you lose control of yourself?

If you answer yes to many of those questions, then yes you can use some help with managing your anger.

How does anger affect my health?

Uncontrolled anger can affect your health in negative ways. The big problem is the link between anger and heart disease. In fact, anger is credited as being the lead player in heart attacks in men that are under the age of 55 years old.

Anger has also been linked to strokes as well.

What do anger management classes cost?

Anger management classes are not costly. They run from $35 -$195 per class.

Broyde McDonald writes so that you can progress quickly in your anger management goals. Find out more about anger management classes and also how to take control of your anger with his famous free anger management guide.

Super Bowl Scams Arrive As The Landmark Game Approaches

Be diligent if you are attempting to buy tickets to Colts-Saints game. Con-men love to take advantage of the fans. Travel scams in all types of sizes and shapes come out of the woodwork whenever there is a landmark sporting event.

Just last year there was an email that was mailed out in Pennsylvania trying to fool Steelers fans. Claiming to be from the Visa Super Bowl Winning Contest, with an NFL logo on top, the scammers promised $100,000 to fans and two Super Bowl Tickets. Sounds too good to be true? That’s because it is. The catch was that in order to retrieve their prize the fan had to wire the email senders $3,000 to cover taxes.

Already, there are emails that are being circulated through the world wide web about the upcoming World Cup. One offers three free tickets and two million dollars. Despite the fact that there are spelling errors throughout and a shoddy cut and paste job with the World Cup Logo, there are bound to be a number of victims.

Another ploy to keep an eye out for is the postcard scam. Postcards promising packages similar to the ones just mentioned, on “travel certificates.” One thing to keep in mind is that unethical scam companies are able to cut and paste logos or art that they want to use, lending a false sense of authenticity to whatever is being sent out.

Lastly, there are travel “certificates” that say that you’ve won a trip to the Super Bowl and a great Super Bowl package, complete with hotel room. But the hotel you get to is a dump, and you have to book your airline tickets through the “contest office,” and these tickets are way more expensive than you could get on your own. And the kicker is, once you have arrived at the dump of a hotel, you find out that the package never included tickets to the game.

Mallory Megan works for a debt collection company. She also writes articles on business, finance, consumer spending and collection agencies. Grab a totally unique version of this article from the Uber Article Directory

Cash4Gold Scam

We’ve all seen them – the flashy “Cash4Gold” commercials, at times they feature people on the street dancing, or at other times, M.C. Hammer promising fast cash in turn for your old, unused jewelry. Although human nature makes us want to unconditionally trust the dancing person or even with his track record, M.C. Hammer, it turns out that Cash4Gold may not in fact be too legit to quit.

Recently Representative Anthony D. Weiner called Cash4Gold out on their bad business practices. Standing in front of legitimate jewelry appraisers, Weiner urged consumers to take their business to a place that they knew was valid as opposed to the shady mail in gold exchange.

The way that Cash4Gold works is that consumers utilize special envelopes to send jewelry and gold to the company’s offices in Florida. The advertisements claim the business will provide customers with a quick appraisal of the value of the items they have sent, and then they will mail them a check for that amount.

In theory, customers will be given a twelve day period in which they are able to return their check and get the jewelry back. Yet according to research by Rep. Weiner and Consumer Reports, Cash4Gold paid out only 11 to 29 percent of the actual value of valuables sent to them, and sometimes they did not send jewelry back when it was asked to do so within the 12 day period.

Weiner proposed that the Federal Trade Commission should do some research the whole Cash4Gold problem, adding that he wants to introduce laws that would regulate companies that use mail to exchange cash and jewelry.

This legislation would put fines on companies that melt down gold without the owner’s permission or before a return period has been passed. It will make companies allow enough time for consumers to request a refund and make sure that companies actually insure the jewelry they are returning to consumers.

Mallory McGuinness works for a debt collection agency. She also writes articles on business, finance, consumer spending and collection agencies. You are welcome to reprint this article – but get your own unique content version here.

Massachusetts Strengthens Rules For Small Claims Collection Lawsuits

The Massachusetts Supreme Judicial Court released last week that it has altered some of the rules governing the use of small claims courts. The Court said that the changes were created specifically to address the number of debt collection cases that are filed in small claims courts.

The rule changes come on the suggestion of the Small Claims Working Group, a panel of legal experts that was assembled in 2006 to examine and improve current small claims practices. In a press release specifying the changes, the Supreme Judicial Court noted that While the rules apply to all small claims matters, there will be a major impact on debt collection cases. The changes address many of the issues selected by the Working Group in collection cases, and four in particular: increased validity of service, insufficiently detailed claims, increased inspection of default judgments, and notice to the court when a judgment is paid.

Adam Olshan, an attorney with Law Offices, Howard Lee Schiff, P.C. in Worcester, Mass., concurs that some collection law firms will be affected. This will effect the high-volume collection law firms.

But Olshan, who was on the Working Group representing credit card issuers, noted that most collection law firms ” including his own ” do not make use of small claims courts. If the plaintiff fails to confirm the address, the court may not enter a default judgment if the defendant later fails to appear for trial.

The changes also add raised scrutiny to default judgments that are entered. New small claims laws require plaintiffs to notify the court in writing when a small claims judgment has been paid in full, or be responsible for any reasonable costs incurred by the defendant in later establishing that it was satisfied.

Another requirement is that the magistrate or judge is to examine the terms of any agreement for judgment with the parties if they are present in court. This insures that the court does not order or otherwise endorse any private payment agreement that relies on exempt sources of income. This avoids any prejudiced surprise to the defendant by delaying any levy on the judgment until the defendant has had an opportunity to pay as ordered or to attend a payment hearing.

Mallory Megan works for a collections agency that works with a debt collection lawyer. Also, she composes stories on business and finance, the credit industry and collections agencies.

All About The FDCPA

In order to skirmish the topics associated with harassing debt collectors and debt collection companies, the Fair Debt Collection Practices Act (also known as the FDCPA) was constructed. The laws and regulations determined by the Fair Debt Collection Practices Act not only guard consumers, but they also assist debt collection agencies as well by encouraging them to act in a serious and professional manner when engaging in dialog with supposed debtors.

In most standings lenders are within their rights to go after payment. This includes situations where the borrower is neglectful in their responsibilities and then afterwords default on their financial obligations, and or if the borrower simply needs some more time due to acrid financial circumstances and strain. These above situations represent instances in which the lender is not getting his due payments from the borrower when they began with a reasonable expectation of being paid back in an adequate time frame. No matter the reason in these cases, the lender in question is legally within their rights to seek payment that they are due.

In these situations, many times lenders have no other appeal but to become involved with a collection agency. The goal of collection agencies is to recover and collect all of the monies that are owed to their clients (the lenders). Due to the Fair Debt Collection Practices Act, collection companies can no longer act heedlessly and with neglect for the consequences of their actions when aiming to recover monies for their clients.There are several stipulations that come along with the Fair Debt Collection Practices Act as enacted in 1978. These stipulations both protect debtors and enable collection companies to strongly pursue valid debts.

Even if a debtor tells a collections representative to stop all further contact with him there are other means by which a debt collection representative may attempt to collect the valid debt. For example, under the FDCPA, while the collection rep must abide by the debtors request to cease any further contact with them, they are also perfectly within their rights to make the debtor aware that they intend to pursue the debt via legal channels through an attorney.

If the collection agency responsible for recovering the delinquent account cannot communicate with or cannot reach the debtor, then they are legally allowed to contact third parties related to the debtor. However, under the FDCPA there are some boundaries to contacting third parties. First and foremost, the collection rep cannot harass the third party or be non-courteous. Also importantly, the collection rep cannot violate the right of privacy of the debtor by disclosing the nature of the call to this third party.

Among guidelines for collection agencies to adhere to, the Fair Debt Collection Practices Act also has a penalization system in place for those collection companies that do not adhere with the aforementioned stipulations. These penalties against collection agencies found to be in violation of the FDCPA include: fines; license revocation; and even legal actions.

At first glance it appears as though the guidelines of the Fair Debt Collection Practices Act are strongly skewed toward the debtor. However, these rules also protect the debt collection agency by helping them steer to wards fair practices and policies in a courteous and professional manner. Without the FDCPA, the unprofessional behaviors of some select few collection agencies would go unchecked and thus would undermine the entire reputation of the business of debt collection.

Mallory Megan is employed by a collections agency that works with a debt collection lawyer. Also, she composes pieces on business and finance, the credit industry and collections agencies.

FTC Forces Con Man To Pay Up

The Federal Trade commission plans to award 1.6 million dollars to thousands of consumers who were scammed into paying money that they didn\’t owe by con artists who utilized threats, harassment and lies to get them to pay up.

Back in 2003, the FTC sued three companies that were operating under the name National Check Control. They charged them with abusing and harassing consumers. This laundry list of illegal activity included falsely threatening criminal prosecution, collecting amounts that were not due, illegally communicating with third parties and other violations of federal laws.

Two years later the court put a permanent halt on their business and demanded that they to pay back the consumers they had scammed. The defendants, Check Investors Inc, Check Enforcement Inc, Jaredco, Inc and the companies owner Barry Sussman attempted to appeal the case to the Third Circuit Court of Appeals and the Supreme Court but to no avail.

One day after the appeals court did not agree to consider his appeal, Sussman suspiciously removed a number of coins valued at $335,000 from a bank safe deposit box. The federal court demanded that he turn over them to the FTC to pay back the consumers. Later, a federal jury convicted him of two felony counts, one for theft of government property and one for obstruction of justice. He was sentenced to forty one months in federal prison and is serving his sentence now.

All in all, the FTC was able to recover 1.6 million dollars to give back to the consumers that were scammed. They plan to distribute the funds to 24,916 consumers who lost a hundred dollars or more as a result of the scam. The victims will begin to receive checks this month.

The Federal Trade Commission is responsible for preventing fraudulent, unfair, and deceptive practices that might do harm to consumers. In addition, they put out information to aid a consumer in seeing, stopping, and avoiding scams.

Mallory Megan works for a debt collection agency. She also composes pieces about finance and business, consumer spending and debt collection.

Next Page »