Your California Cable TV Company Missed an Appointment? The Law Protects Cable TV Subscribers

You know the drill.

You call the cable company because you need an installation or service call. The Customer Service Representative tell you it will be a week before they can get to you, and that you have to be home all day to wait for the technician.

But as fate or bad luck would have it, the tech never shows up, and you have blown a day off of work without pay for no good reason…and you still need that service call.

You are mad. You are REALLY mad.

You call back in and a different Customer Service Representative apologies profusely, then offers to knock off $20 from your bill. Then the CSR reschedules the appointment for a few days later, and you get to plan to stay home yet another full day hoping against hope that the tech will show up this time.

There must be a better way to ensure that you don’t lose out when the cable operator misses an appointment! Well, there is.

A relatively few number of savvy California cable TV subscribers know about a little-publicized law. A law that requires the cable TV operator who misses an appointment to compensate you for your lost wages and expenses up to a cap of $600. It is California Civil Code Section 1722(b).

That very powerful law says, in essence, that if you call in for a service call and the cable company requires that you be home to meet the technician (for example, to let the tech into your home or back yard), the cable company must honor your request that the appointment occur within a fixed 4-hour period, and to work with you to determine the day and time when that 4-hour period will start.

According to the law, “If the service connection or repair is not commenced within the specified four-hour period, except for delays caused by unforeseen or unavoidable occurrences beyond the control of the company, the subscriber may bring an action in small claims court against the company for lost wages, expenses actually incurred or other actual damages not exceeding a total of six hundred dollars ($600).”

But realize that this is a two-way street. As a cable subscriber, you have a duty, too. The cable operator has to start the repairs within the specified 4-hour window, but you have the duty to be home during that entire 4-hour period.

The cable operator has an ‘out’ if it can show that unforeseen or unavoidable occurrences did happen, and they made a legitimate effort to let you know. If so, then they don’t owe you any money. However, the larger the cable operator’s technical staff, the less likely they will have convincing a judge that whatever happened was truly unforeseeable or unavoidable.

Also, if you file a complaint with your cable TV franchisor (either the local City or County, or the California PUC, depending on whether your cable operator has a local or state franchise), and the government pursues the cable operator …

Zambian Cultural Heritage – The Tonga People – Their Traditions and Customs

The Tonga people of Zambia live in Zambia’s Southern Province. They are an agricultural tribe and herding cattle and crop growing are the two most important aspects of their traditional economy. They have a deep connection to their cattle and land reflecting an ancient spiritual harmony with nature.

The Tonga are considered to be original Zambian inhabitants – sites dating back to the 18th and 19th centuries have been found on the Batoka Plateau as well as ancient village sites near Kalomo and Choma. The oldest site can be found on Sebanzi Hill on Lochinvar Ranch which is on the edge of the Kafue Flats.

Zambian history suggests that 600 years ago a thriving trade centre existed in the Zambezi valley. A site christened Ingombe Ilede was unearthed by Archaeologists and it showed that people lived here and traded with the Arabs, Chinese and India. Copper crosses of about 30cm in length have been found to have been the main currency unit.

The word ‘Tonga’ means ‘independent’ and it confirms the theory that originally the Tonga people did not have a centralised political structure but lived in independent family units. Traditionally chieftainship was not part of the Tonga tradition. Rather, priests and rainmakers were seen to be more important leaders. It was only when the colonial administration was creating its leadership structure that chiefs were assigned to the Tonga people. As a result of the changes brought on by the colonial administration, chieftaincy is now an integral part of Tonga politics.

Rather confusingly, there is reference to a Chief Monze long before the British came to Zambia. Chief Monze was not a Chief as we would know it but a priest, prophet, rainmaker and mediator. The current Chief Monze who is a spiritual and cultural leader who commands significant respect from a extensive community descends from a long lineage dating back from the 17th century when according to traditional tails the first Chief Monze descended from heaven.

The Lwiindi Gonde Ceremony is the main Tonga ceremony and is held in the South West of Monze town on the last Sunday of June. It is a traditional ceremony filled with music, lively dance and prayer. ‘Gonde’ means thick bush and this is the place where the shrines of the Tonga people are. It is the place where the first ever Chief Monze vanished – tradition says that he did not die. Gonde became the burial place for all chiefs although only two are actually buried there. (A detailed article has been written on The Lwiindi Gonde Ceremony and it is entitled Zambian Cultural Heritage – The Lwiindi Gonde Traditional Ceremony).

This article is inspired by the book ‘Ceremony! Celebrating Zambia’s Cultural Heritage’. It’s fabulous and a visually pleasing book which I would encourage you to get. I got mine from ZAIN in Lusaka, Zambia. It is published by Celtel Zambia PLC and Seka. Original photography, Francois d’Elbee. Coordinating author, Tamara Guhrs. Editor, Mulunga Kapwepwe. Contributing authors, Akashambatwa Mbikusita-Lewanika, Prof Mapopa Mtonga, …

How To Get Rid Of Your Irritating and Annoying Mother In Law

An integral part of a lot of marriages seems to be an irritating, annoying, or cold mother-in-law. I agree that there are some psychotic mothers in law whom you have to stay clear from. However don’t hastily diagnose your mother in law as psychotic. For the most part they really love their child and therefore deep down inside they also love you, the spouse. It is only jealousy, misunderstanding, or fear that is covering up this love.

Here are some steps though that you can take to make the relationship with your mother-in-law better and even pleasant. It takes work but it is for sure worth the effort.

  • Talk to her on a regular basis. When you speak to her once or twice a week on a steady basis she won’t be afraid that “you want something” from her and that you are only speaking to her to “butter her up”. In the beginning keep the conversations very light.
  • LISTEN. LISTEN. LISTEN. Listen to what she likes and what irritates her. After you hear what she likes if you know nothing about the subject “Google it” and so that the next time you speak to her you’ll connect with her easily.
  • Invite her to do things that SHE likes to do. After you know her likes and interests invite her to do some of these things. If she likes to go out to eat take her out to a restaurant. If she likes to go to the movies take her out one afternoon to the movies.
  • Ask her to do something that YOU like to do. As long as she doesn’t despise doing something that interests you, whatever you do together is an act of bonding. (Of course, if it is the husband who is trying to get to know his mother in law, then he has to be creative here. She probably won’t appreciate an invitation to watch a football game with a beer!)

Remember your mother in law is your spouses parent and a part of the family whether you like it or not. To completely sever ties with her, although it might be a very enticing thought, is very hard and in the can cause lots of pain and problems “down the line”. Therefor it is in YOUR best interest to do everything you can within reason to make that connection, now and in the future.

You’ll see that under that annoying and irritating skin lies a lady that truly wants your good.…

The Apprentice President

In years past the world looked to the United States for true leadership in times of crisis. Unfortunately, ever since Donald Trump took office he has managed to obliterate any progress past Administrations have made in securing Americas place as the one nation that embodies the willingness to come to the rescue in troubled times. The internal conflicts created by Trump himself has only accelerated Americas surrendering of our leadership role in international affairs.

We also have to point out that the sporadic ramblings of many of his addresses has only confirmed what many have already concluded. The leader of the free world is as many point out a bonafide paranoid schizophrenic. What is more disturbing is that the Republican led Congress has done nothing to stop the insanity from inside the White House. Meanwhile, like that old Roman saying about Nero, while Trump keeps having delusions of grandeur and reiterates self embellishment the United States is steadily losing the respect that other nations had for America.

It never ceases to amaze that foreigner after foreigner have not only grown disillusioned about America’s ability to come to the aid of other nations in times of acute crisis but are scared to death that Trump would do something so irrational that it would jeopardize the stability of the whole world. It doesn’t only seem that everyday there is another crisis within the Trump Administration but the truth is Trumps behavior only guarantees another crisis and like in the Apprentice ” Your fired” is said all too often.

The one consistent behavior pattern that has been in the forefront of Trumps mind frame is his overwhelming thirst for wealth. This obsession by the Trumps is quite evident when he is using the position of the Presidency to further the Trumps fortune. In one instance by doing whatever it takes to keep the reign of fossil fuels from falling victim to the rising surge of the green energy movement. He is very adept at sabotaging any effort to curb carbon emissions all the while promoting the global consumption of US oil, coal and natural gas.

In this respect the President through is belligerent style and his ruthless desire to promote the Trumps brand of authoritarianism is endangering the whole planet. At the recent G-20 summit 19 leaders reaffirmed their commitment to the Paris Accord. But, what Trump has done by turning his back on the Paris Accord and promoting oil, coal, and natural gas here at home and abroad what ever impact there is in negating carbon emissions by other countries the results will only have carbon emissions continue to rise. In effect the President has only made global conditions that much worse.

Ever since Trump came into the White House every major large bank has reaped huge dividends. There is no question that Trump has had a hand in increasing the profitability of major banks like Chase, Bank America and other too big to fail banks. And to think that Trump is …

The Law of Attraction – How Writing a Letter to Yourself Can Go a Long Way!

Do you know that writing a letter to yourself with your goals and achievements can go a long way? Do you know that Arnold Schwarzenegger and Bruce Lee both had one of those letters that they wrote to themselves? Now, looking back it is amazing to see that what they had written on their letter is just about exactly what they have achieved.

This is just two examples of two famous figures, but this type of action is nothing new; thousands of successful people have used this type of law of attraction medium to attract what they wanted in life.

Write yourself a letter in the present tense, using ONLY positive phrases such has. “I am rich” versus “I am not poor anymore”, or “I am healthy” and not “I am not sick anymore”. Your subconscious mind doesn’t understand negative statements, but rather takes it for a positive affirmation. For example, “I am not poor” will only register as “I am poor” in your subconscious mind. Therefore, you want to simply say “I am rich” or “I am wealthy”. Do not say “I am not fat anymore” but “I am fit”. You get the picture?

Your letter should always be in the present tense. “I am” and not “I will be”. The subconscious mind doesn’t understand future time either, it’s all in the present, in the NOW.

When your write your letter of success to yourself, you must include the following:

• Set specific goals.

• Set a time frame, a time limit.

• Mention exactly what you are going to achieve.

• Mention exactly how much money you are going to make.

• Always speak in the present tense, not in the future.

• Never use negatives statements. Always use positive ones.

• Mention about your feeling of happiness and wellness as well.

If you do this very simple thing for yourself and just read your letter every day, once in the morning when you wake up and once at night before you go to bed, your life will start to change for the best.…

How to Attract a Specific Person Using Law of Attraction

How to Attract a Specific Person

One of the most often asked questions is “Can you attract a specific person using the law of attraction?” The good news is Yes you can absolutely attract a specific person in your life in a relationship you choose and with success.

Love is the most important emotion of all in this entire universe. When it comes to money, jobs, and so many other things people don’t really have that much difficulty in manifesting. In matters of the heart if you don’t get what you want the pain is maximum. The one you love, that specific person, is the most important person for you, and even the entire world cannot substitute for that person. Now I have absolutely great news for you today. Yes, you can attract that specific person you are in love with. So today allow yourself to be absolutely elated and just follow the procedure below.

Desire and Desperation – You need to let go of the desperation

While desire is a sacred energy, an energy of creation, desperation is just the opposite, a destructive energy. When desire is unfulfilled the void is taken over by desperation. While desire is a pure and good energy, desperation is a powerful negative energy. Desire creates those vibes in you to attract, desperation creates just the opposite vibes, to repel. When you fell in love with that special person, the sacred seed of desire was sown in you. Due to whatever reasons when that desire was unfulfilled desperation crept in. So the first step is remove that desperation. Clear all desperation.

How to clear desperation?

The easiest way to clear desperation is to let go. Surrender to the light of divine love of the Universe. Imagine a beautiful light of divine love, a pure radiant love light. Just surrender to that beautiful sparkling light. That light created you, gave you everything that you possess, and that light simply loves you, no matter what you have done so far. That light is forgiving, 100{512b763ef340c1c7e529c41476c7e03bc66d8daea696e1162822661d30dde056} pure love and powerful enough to create a beautiful reality beyond your wildest imagination. When you fell in love that light was silently telling you what to do, only if you listened. So let go of everything, surrender and start anew. Today submit yourself to that divine light and affirm to yourself you let go, you surrender and you allow that Divine Light to create a bright future, a bright love life for you. You accept the divine will because the divine will make your life far happier than you can imagine.

Once you do this you let go of any attachment to the result. Now the fun part begins.

Creating a beautiful love life

Once you have let go of any attachment to that person, you have given a very powerful and strong signal to the Universe you are now ready for love in your life. If previously your love was one sided now it’s time to create a both …

Fire Retardant Fabrics in Hotels and Bed and Breakfasts – Regulation or Sensible Precaution?

Since 2006 there has been much controversy in the UK about the new regulations introduced in fire safety law. Many in the industry see the changes as over-the-top and part of the ‘nanny state’. In this article we’ll briefly look at both what the law requires and consider the benefits of taking precautions, even when the law doesn’t explicitly demand it.

Over many years the UK government has increasingly targeted all forms of fire risks, with the aim of reducing the number of deaths and injuries caused by fire. In the postwar years there was a steady rise in these numbers and the government took notice. The number of deaths from smoke inhalation was of particular concern, as this rose sharply from the 1950s onward.

The reasons for this trend are disputed, but the fact that modern fabrics and fillers caused heavily toxic smoke when burning eventually prompted the government to regulate the supply of fabric and furnishings, because the more toxic the smoke from a fire the faster a person is incapacitated.

It is perhaps obvious that manufacturers and suppliers must comply with government regulations on fire retardant fabrics, but in 2006 the new regulations changed requirements for all business premises. Fire safety law was implemented by the ‘Regulatory Reform (Fire Safety) Order 2005’. Now, businesses are no longer required to have fire certificates but instead must conduct a risk assessment to prevent fires by reducing risk. The law makes it the responsibility of the business owner to ensure the safety of everyone who uses their premises.

There are specific guidelines for ‘sleeping accommodation’ which directly apply to curtain material. Hotels must meet the requirements of BS5867 Part 2 Type B when furnishing a room with curtains. This is a test where a flame is applied to the fabric for 15 seconds. In summary, this requires that if the fabric were to come into direct contact with a flame it would have a fire retardant quality for a short time by not burning to the edges or falling apart whilst burning.

There are basically two types of flame retardant (FR) fabrics:

1) those which have been treated after manufacture; and

2) those in which the FR quality is ‘built-in’. These are called ‘inherent FR fabrics ‘.

Where a fabric has been treated it must also be able to hold its FR quality after repeated washing.

Purchasing flame retardant fabrics from a reputable company with products that more than meet the requirements ensure fire safety and conform to the law. Look for products labelled ‘FR’ and ask whether they meet the safety standards for hotel use.

Unlike the requirements for curtains, for bed linen the new regulations only state that certain safety standards should be considered for ‘sleeping accommodation’ as a matter of fire prevention. The law does apply, though, to all the components of the actual bed (including head-boards, mattresses, sofa-beds, futons and other convertibles). Perhaps less obvious is that it also applies to pillows and even throw cushions.…

The Law Of Attraction In Action – The Path of Desperation Vs Letting Go To Achieve Your Life Goals

We’ve all had those times in life where we wanted something so badly, that we could taste it, feel it, or hear it. You know what I’m talking about. It could be the girl of your dreams, the car of your dreams or just that dream job you’ve always wanted. One thing is for sure, we all have been there.

When it comes to wanting things really badly, the word that comes to my head is ‘desperation’.

From my experience, nothing drives a goal further away from you as desperation.

It’s kind of funny though that some schools of thoughts equate being desperate about a goal, or wanting it so badly, is showing the universe or God how serious you are about that goal or objective.

Oh really?

I personally think not. It is my experience that wanting something so badly, or being desperate about it only leads to one making the wrong decisions. You aren’t making decisions from the flow, or from joy or gratitude. No Way! When you are in a state of desperation, you are almost on the verge of feeling hopeless, or giving up completely (in a negative sense).

Here’s my friend’s account of his experiences after leaving university and in desperate need of money and support, and how he overcomes the challenges using the power of letting go:

” I was so desperate for money once, I almost got myself into a money laundering ring. The circumstances were interesting as I look back in retrospect. It’s almost as if some force was driving me to make the wrong decisions through financial desperation. Let me go further into details.

My girlfriend of four years at the time had broken up with me, saying that she needed ‘space’ at first, giving no obvious reason. When I look back, that was meant to protect me from the fact that she had met someone else who suited her material needs at the time. Note that we were both university students at the time.

So one month turned into three months, and then she begun to drop tidbits about the fact that she had started dating again, by hinting to me that I should start seeing other people. I told her no worries, as I’m in the process of seeking employment, so I’ll put that on the back burner.

I was a fairly decent lad at the time, not worrying much about money, and material things. My main concerns were keeping my mind, body and spirit active and positively engaged in beneficial pursuits.

What turned me to the ‘dark side’ was the call I received that fateful day from my then girlfriend who only wanted ‘space’. She called me explaining that she’ll be sending me some pictures of here with a new hairdo. I was like cool, because she knew I liked her haircuts short. So she sent me the pictures via email, and I saw her in this car; it was a really sexy drop top beetle. I thought …

Cashing in a 401k for an Offer in Compromise

Filing an Offer in Compromise (OIC) is an excellent way to reduce your delinquent taxes with the Internal Revenue Service. However when making an offer with the IRS the questions always comes up as to whether or not a taxpayer has to cash in their 401 k plan to when making an offer to the government.

In making an OIC with the IRS, the taxpayer has to provide a lot of financial information to the government. This includes not only information on bank accounts, real estate, and vehicles but also on any 401k plans or other retirement plans that a taxpayer may have.

So on the financial disclosure form 433-A, the taxpayer will disclose the value of his 401k plan less any loans he may have against his 401K. Yet if the taxpayer were to take a distribution from his 401k plan, then the taxpayer would be subject to additional federal income taxes and state income taxes. This would then just make the taxpayer’s tax debt increase so what should a taxpayer do?

In this scenario, the taxpayer should disclose on form 433-A the value of his 401k less his loans, less the federal tax and less the state tax. For example let’s assume that John is 45 and is making an OIC to the IRS and he has $40,000 in his 401k plan. John has a $10,000 loan against his 401k plan so his net amount that he could take as a distribution is $30,000.

In regards to the taxes on this potential distribution, John would have to pay a 10{512b763ef340c1c7e529c41476c7e03bc66d8daea696e1162822661d30dde056} penalty for an early distribution since he is under the age of 59 ½. His federal tax rate is 25{512b763ef340c1c7e529c41476c7e03bc66d8daea696e1162822661d30dde056} so the total federal taxes associated with this distribution would be 35{512b763ef340c1c7e529c41476c7e03bc66d8daea696e1162822661d30dde056} and John’s state tax rate is 5{512b763ef340c1c7e529c41476c7e03bc66d8daea696e1162822661d30dde056}. So the total federal and state tax burden would be 40{512b763ef340c1c7e529c41476c7e03bc66d8daea696e1162822661d30dde056}.

This would then leave only 60{512b763ef340c1c7e529c41476c7e03bc66d8daea696e1162822661d30dde056} of the $30,000 or $18,000 as being eligible to pay off the delinquent taxes with an Offer in Compromise. This $18,000 is the dollar amount that John should disclose on form 433-A when he is making his offer in compromise to the IRS.

Preparing a successful offer in compromise is extremely time consuming and technical in nature. If you have delinquent taxes with the IRS and want to settle by making an OIC, then you should seek the professional assistance of an experience professional such as the author of this article, Michael McNamee.…

The Role of Oil in Nigerian Economy

It would be difficult to exaggerate the role of oil in the Nigerian economy. Since the first oil price shock in 1974, oil has annually produced over 90 percent of Nigeria's export income. In 2000 Nigeria received 99.6 percent of its export income from oil, making it the world's most oil-dependent country.

Oil production has also had a substantial effect on Nigeria's domestic sector. One way to characterize its impact is by looking at the rents produced by oil – that is, the returns in excess of production costs – in the Nigerian economy. From 1970 to 1999, oil generated almost $ 231 billion in returns for the Nigerian economy, in constant 1999 dollars. Since 1974, these rents have instituted between 21 and 48 percent of GDP.

Yet remarkably, these rents have failed to raise Nigerian incomes and done little to reduce poverty. Since 1970, Nigeria's per capital income has fallen by about four percent, in constant dollars. Although Nigerian poverty rates have never been well-measured, there is little indication that they have declined over the last three decades.

This lack of improvement is striking, given the size of Nigeria's oil windfall. Had each year's oil rents been invested in a fund that yielded just five percent real interests, at the end of 1999 the fund would be worth $ 454 billion. If divided among the general population, every man, woman, and child would receive about $ 3,750, equivalent to about 15 years of wages.

Oil has also had a deep influence on the Nigerian government. Since the early 1970s, the Nigerian government has already received over half of its revenues – sometimes as much as 85 percent – directly from the oil sector. These oil revenues are not only large, they are also highly volatile – that is, they can fluctuate drastically in size from year to year, causing the size of government, and the funding of government programs, to fluctuate accordingly. For example, from 1972 to 1975, government spending rose from 8.4 percent to 22.6 percent of GDP; By 1978, it dropped back to 14.2 percent of the economy.

Few Governments are able to cope with this kind of volatility, and it is not surprising – in retrospect – that the Nigerian government was unable to adhere to fiscal fiscal policies during the 1970s and 1980s, when oil prices fluctuated sharply. The decentralization of the Nigerian government made sound revenue management even more difficult, since much of the oil revenue has been automatically passed on from the federal government to the state and local Governments. The ability of these Governments to spend their funds wisely, and limit corruption, has been low.

Nigeria's oil wealth has also led to social and political unrest, particularly in the Niger Delta. The Igbo effort to secede from Nigeria, which led to the 1967-70 civil wars, was deeply rooted in ethnic tensions and Nigeria's colonial past; But the rebellion was encouraged by the presence of oil, and hence the belief that independence would …