Archive for September 2012

Article by John Reizner
























The time at which most people believe a significant stock market correction will occur – whether because of interest rates, war, budget or trade deficits, excessive public and/or private debt, or events in China (or some other reason) -may actually be a time when it is less likely to happen. I have discussed this aspect of market psychology in my article, Stock Market Investing and the Power of Contrary Opinion.

The public has generally been conditioned to buy stocks on the dip when the stock market swoons. This has happened several times: in 1987, 1989, 1998, and recently in February 2007. There was great fear during this most recent swoon, which importantly occurred with terrible breadth and on NYSE volume of approximately 2.3 billion shares traded; but the market has sharply rebounded, at least so far. A significant break from the “buy on the dip” psychology could prove to be dangerous to the long investor, as the market could experience cascading selling waves. I realize that the latter point may appear unsubstantiated at first glance, but there is precedent for it in stock market and economic history.

When the crash of 1987 occurred, the market fell over 20% in one day. Pessimism was rife that a severe economic downturn would follow and that the stock market might follow the path of the last great crash that began on October 29, 1929, known as Black Thursday. The latter occurred on record volume and was followed by further brutal declines despite measures to stem it. After the crash of 1929, policy makers kept credit conditions tight to prevent a return to stock market speculation, restraining the ability of the market and the economy to resume a steady path. Restrictive trade legislation was also added to isolationist trade policy enacted in the 1920s, extending the life of the Depression that followed the crash.

After the 1987 crash, however, the calm demeanor of President Reagan prevailed when he stated that as long as consumers kept on buying refrigerators and such items, that we would weather the stock market storm. Reagan also did not panic and seek to implement legislation of poor policy measures such as the sort of protectionist trade legislation passed during the Great Depression. Further, Fed Chairman Alan Greenspan made the resources of the Fed available to the markets by promising liquidity. Bonds rallied strongly in a flight to safety, and in time, the stock market recovered and went to new highs.

The thing that troubles me about the February 27, 2007 market break is not only the high volume, terrible breadth, and sharpness of the fall, but also the sharpness of the snapback rally in its aftermath. It was reported that some market participants were hoping for a continuation, a washout of the speculation in recent stock prices after February 27th- a further decline. It is known that our market break followed the abrupt fall in the Shanghai market, which has also snapped back in the near term.

I believe in our case and perhaps as likely in the Shanghai market, the snapback may indicate an unsupported speculative fever underlying the markets. In the month or so before Black Thursday in 1929, the market fell but the speculators kept on pushing the market. When market selling finally took over, it was relentless. It may be a bit of stab to say that the two periods bear a resemblance, but the form of the speculative fever is can be compared.

But I will say that in my view the odds of a stock market panic have increased due to the widespread participation of the public in equities, as has happened in prior speculations. Also, hedge funds, for example, have created a culture among many money managers and some investors of short term and ultra short term investment time horizons. Together, these conditions may contribute to high market volatility.

One respected stock market money manager has overlaid our recent market period on the 1995-1999 period and has stated that the two times are quite similar. Both times experienced a trend of rising interest rates that paused the markets. The post 1995 period faced the prospect and in turn the reality of Federal Reserve Board cuts, as we may have now. These cuts, if they occur, according to this money manager, may propel the stock market significantly higher with technology leading the way as did the rate cuts after 1995.

In my article titled Inflation and the Stock Market: Does Anyone Remember the Seventies? I write of the possibility of an end to the benign disinflation we have experienced for over two decades. The prospect of increasing inflation may be the grinch that steals Christmas from the above mentioned money manager’s argument of sharply increasing prices for equities.

As I state in that article, increasing inflation may not permit the Fed to cut its rates. Yet, on the other hand, policymakers’ legislation in reaction to the problem of subprime mortgage defaults may result in a recession. As one subprime lender has stated on financial television, if policymakers “throw the baby out with the bath water,” we will be in danger of overkill. Should the subprime situation turn into a widespread debacle, which is in my view unlikely, then I believe it would be incumbent on the Fed Chairman to lower interest rates. It would be better if some of our legislators had benefited from a study of our economic and stock market history, and thus gained insight into our markets today.

Yet, in terms of the probability of an actual market-wide panic, we all now have the advantage of insight into the 1929 and other more recent stock market panics, and Federal Reserve Chairman Bernanke has studied the 1929 period and its causes carefully. Thankfully, I imagine he is determined as our Fed Chairman not to repeat the mistakes of that awful time in our history should the stock market suffer a serious blow.

This article contains the opinions and ideas of its author and is designed to provide useful general information to the reader on the subject matter covered. The author may or may not have current positions in the investments mentioned in this work, and the author may from time to time make investments in a manner that is not described here. Past investment performance is no guarantee or prediction of future results and any investments made, based on the opinions and ideas contained in this work, may or may not be successful. The strategies contained herein may not be suitable for every investor or situation, and the author is not engaged in, and should not be construed to be, rendering legal, accounting, investment advisory or other professional services to the reader or any other person. Readers should consult their own advisers for advice particular to their individual circumstances.

About the Author

John Reizner was first exposed to financial markets when he started reading the stock quotes out of the newspaper to his businessman grandfather, who was legally blind, when he was about ten. His current e-book, A Way to Wealth – the Art of Investing in Common Stocks, is available at his website, http://www.ReiznersWay.com












Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author’s information and copyright must be included.

Find More Equities & Stocks Articles

Marketing Experts and Leaders from Top Performing Automotive Dealership Groups Share Successful Digital Sales and Marketing Techniques











Wayne Ussery, Jim Ellis Automotive

Atlanta, GA (PRWEB) September 28, 2012

Marketing expert Phil Sura of UnityWorks Media, and three of the most effective dealership leaders in the country, Wayne Ussery, Internet Director for the Jim Ellis Group, Lonnie Decker, chief marketing officer for The Auto Gallery, Potamkin Automotive Group, and Kevin Mize, dealer principal for O’Hare Honda and O’Hare Hyundai, are sharing their expertise with automotive dealers and managers.

As Internet sales and marketing directors, Ussery and Decker do a tremendous job driving unique visitors/visits and conversion rates, selling units and making their dealer groups some the highest performers in the country.

Mize believes that the Internet and a strong digital focus are a requirement for success and he saw the importance of transforming his operation to a digital focused dealership out of necessity, as his dealerships are not located on an automotive row.

Phil Sura and these dealership leaders are sharing their expertise with dealers and managers who will have the opportunity to take away specific concepts that can be implemented at their dealership that will help them to drive stronger results!

What will dealers and managers learn and what action items will they take back to the dealership?


Learn about driving unique visitor count to the website.
Learn how to drive visibility with both organic and SEM focuses. Learn about the role mobile can play.
Learn how to leverage video to drive website conversion and organic search results.    
Learn about processes to get the entire sales team involved with embracing the digital space.

Phil Sura started the automotive division of UnityWorks Media, a web video company supporting over 1,500 automotive dealers. UnityWorks Media is recognized as the video pioneer in the automotive space. Sura previously worked as a general manager for one of the top 100 Ford dealerships and spent 13 years with Pat Ryan and Associates. Sura has been a regular contributor to Digital Dealer magazine and always receives top scores when he speaks at Digital Dealer Conferences. His Best of the Best panel discussions provide a chance for the audience to hear from some of the top producers in the nation.

Lonnie Decker is the chief marketing officer for The Auto Gallery, Potamkin Automotive Group, selling Ferrari, Maserati, Lamborghini, Porsche and Audi in Los Angeles. Decker is also the general manager for the Lamborghini operation, which allows him to test digital concepts at one location before rolling them out across all dealerships. He started his career selling cars and has also worked for Mercedes Benz Corporate. In his current position, Decker’s focused approach has accomplished the following: monthly unique visitors went from 9,000 to 60,000, profits doubled and sales increased 150 percent.

Kevin Mize is the dealer principal for O’Hare Honda and O’Hare Hyundai. He is the past Chairman for the Chicago Auto Trade Association and currently serves on an E-Business subcommittee for Acura and Honda USA, which focuses on identifying e-commerce initiatives that are producing results. Mize has embraced digital technology by using traditional media (radio) to drive customers to his website and leverages video to drive both organic searches with Google and website conversion. He thrives on testing the newest ideas from a digital perspective to see which ones produce great results and his team does a great job of vetting new concepts, calling for references and tracking results. Mize doesn’t rely on anyone to figure out the Internet – he’s a student of it!

Wayne Ussery started the Internet team for the Jim Ellis Group 14 years ago. Since that time they have moved from zero to over 675 Internet sales monthly. Ussery accomplished this by driving 100,000 unique visitors to the website each month while managing SEO. He is very progressive with utilizing video applications to drive organic search and website conversion. Ussery does a tremendous job tracking metrics so that he can evaluate which initiatives are producing results. The Jim Ellis Group is recognized as one of the strongest e-commerce dealer groups in the nation.

Phil Sura will be moderating a panel discussion with Lonnie Decker, Kevin Mize and Wayne Ussery for dealers and managers on successful digital sales and marketing techniques at the 13th Digital Dealer® Conference & Exposition, October 23-25, at The Mirage in Las Vegas, NV.    For more information about Phil Sura’s dealer panel and other speakers, visit: http://www.DigitalDealerConference.com

ABOUT DEALER COMMUNICATIONS

Dealer Communications is the leading multi-media information source for franchised automotive dealers and managers. Connecting with franchised automotive dealers and managers over ten million times per year, Dealer Communications publishes the monthly print and online editions of Dealer magazine and Digital Dealer magazine. Online weekly newsletters include Dealer; Digital Dealer; Dealer Fixed Operations; Dealer Pre-Owned; Dealer F&I, and Dealer Sales and Marketing. Dealer Communications also offers the Digital Dealer Webinar Series, with online presentations throughout the year. To see all that Dealer Communications offers, visit: http://www.dealer-communications.com

Dealer Communications also owns and operates the Digital Dealer Conference & Exposition, the premier educational conference and expo dedicated to Internet and technology solutions for automotive professionals. Digital Dealer events deliver the largest array of speakers, peer to peer opportunities, and exhibit hall offerings – all carefully designed to impart cutting edge business strategies. With an audience of the industry’s most progressive dealers and managers and the most innovative conference format, Digital Dealer provides the ultimate learning and networking environment.

The 13th Digital Dealer Conference and Exposition will be held October 23-25, at The Mirage in Las Vegas, NV. There will be new Digital Dealer Learning Labs, Digital Dealer Innovation Hours, a new Digital Dealer Peer Networking Roundtables dinner, more than 100 workshops, over 100 specialized technology solutions providers, and many more exciting new benefits. For more information, visit: http://www.DigitalDealerConference.com























Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.









See more on www.linkuptv.co.uk LIKE www.facebook.com
Video Rating: 4 / 5

The Express series is the short, blended ESP course for different skills, industries, and professions. Find out more about the Express series in this short introduction. Read more about the Express series at elt.oup.com
Video Rating: 5 / 5

Regus Advisors Launch ACO Division










Dallas TX (PRWEB) September 21, 2012

Regus Advisors Inc., http://www.regusadvisors.com announced today the launch of its new division for Accountable Care Organization (ACO).

Daryl Palmer, Managing Partner for Regus Advisors leading the division stated, “If you do things right, then you’ll have engaged physicians delivering value-base services, receiving the benefits of value-based purchasing, The ultimate goal is to care for patients more effectively and to improve care.” The Regus Advisors system of operating and financial management controls designed for ACO control addresses all these issues and more including Medicare Shared Savings.

The Regus Advisors ACO management installation system accounts for the following elements within its structure, Payor Bundled Payment, Clinical Financial Alignment, Performance Driven Incentives. Meeting the five (5) key initiatives for healthcare leaders of meaningful use, 1) value based purchasing, 2) re-admission cuts, 3) accountable care, 4) managing bundled payments, and 5) continued expansion of healthcare IT.

With regard to Clinical Care: the Regus program is Patient Centered Delivery with Improved Quality of Care and Physician Integration working with Evidence Based Medicine.

The Competitive Matrix addressed by the process Regus install provides for Physician Alignment, Market Positioning, Capacity Utilization, with Improved Payor Strategy.

The program will be to triple aim of healthcare of their ACO clients as they structure the services provided within the newly formed ACO’s. These will include 1). Improving the patient’s care experience 2). Improve the overall general health of the population served by the ACO and 3). Radically reduce the cost of care, while dramatically improving communication and efficiency within the ACO for impressive care cost reductions, which in turn will reward the ACO members and patients alike.

It is estimated that only some 11% of the marketplace ACO’s were up and running in 2011, and another 57% are expected to come on board by 2014. In terms of the model of the ACO, organizations are equally interested in developing commercial shared savings (43%) and Medicare shared savings (43%). Organizations that are now or planning to be a part of an ACO are interested for a variety of reasons: to engage physicians (56%), because more risk is being shifted to providers (51%), to compete (48%), value-based purchasing (43%), and to provide more resources for clinical integration (43%).

Although rules for accountable care organizations have been finalized, many are operationally unprepared for ACOs and now many see financial risk as a potential stumbling block, therefore Regus Advisors have invested several man years and considerable research to create solutions to navigating the pitfalls of ACO creation, while cognizant of the cost reductions required, as care providers transition from corrective medicine services to preventative medical services which in turn will reward doctors for the improved health of their patient base as opposed to rewards for billing for after the fact corrective recovery services. Regus Advisors will utilize their considerable expertise and experience in advisory division with their management systems and controls by launching a new division, staffed by industry experts, with the specific purpose of assisting physicians, hospitals and health care providers create, manage and control their transition into the required ACO structures mandated under the new health care regulations which will come into effect in 2014.

Regus Advisors will provide a series of sophisticated management and communication protocols and services, utilizing a proprietary operating system of management linked to an advanced financial system of management which will address the needs of this rapidly changing industry. Regus Advisors will utilize their proven industry templates to design, develop, install, implement, teach and train the personnel and services which will fall under the ACO’s domain of influence in relation to patient care, and EHR/EMR controlled access with interoperability and meaningful use.

All of this ultimately provides a detailed and measurable focus on the Patient Experience, providing Enhanced Patient Experiences, Improved Patient Outcomes, Increased Patient Satisfaction which will culminate in an overall reduction of patient anxiety.

Seventy seven percent (77%) of healthcare leaders look for ACO components to include care coordinators or nurse navigators, medical homes (72%), pay for performance (69%), and clinical pathways (69%). The importance of the nurse navigator is gaining recognition for it added value to the financial and care components, but it is surprising that only 45% listed disease registry as a component. Disease Related Groups (DRG) have been a central tool going back a decade. The disease registry is essential to successfully tracking the care of complex patients, assigning accountability to specific physicians, and measuring patient outcomes. Healthcare leaders now believe that within their organizations, an ACO will improve healthcare quality (79%), overall efficiency (70%), population health status (67%), and the patient experience (66%). They are less enthusiastic about ACOs in terms of payer-provider relations, or payer and provider margins.

All of these aspects of variation and need versus want scenarios for individually constructed ACO’s to match the skills of its staff and the requirements of the demographic served, including an aging population, will be addressed in the Regus Advisors ACO program.

About Regus Advisors Inc:

Regus Advisors is a private global Investment Banking and Management Consulting firm that provides strategic and financial advisory services to private and public companies to include; structure, documentation, financing and exit strategies as well as listing on domestic or foreign exchanges. Regus Advisors is not a FINRA/FSA licensed broker/dealer and does not buy/sell securities. For more info visit: http://www.regusadvisors.com

Safe Harbor Statement – This release includes forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 27E of the Securities Act of 1934. Statements contained in this release that are not historical facts may be deemed to be forward- looking statements. Investors are cautioned that forward-looking statements are inherently uncertain. Actual performance and results may differ materially from that projected or suggested herein due to certain risks and uncertainties including, without limitation, ability to obtain financing and regulatory and shareholder approvals for anticipated actions. Such statements are based on management’s current expectations and are subject to certain factors, risks and uncertainties that may cause actual results, events and performance to differ materially from those referred to or implied by such statements. In addition, actual or future results may differ materially from those anticipated depending on a variety of factors, including continued maintenance of favorable license arrangements, success of market research identifying new product opportunities, successful introduction of new products, continued product innovation, sales and earnings growth, ability to attract and retain key personnel, and general economic conditions affecting consumer spending. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date hereof. NVAE does not intend to update any of the forward-looking statements after the date of this release to conform these statements to actual results or to changes in its expectations, except as may be required by law.























Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.









Related Foreign Exchange Press Releases

Article by alex lander
























A share or stock refers to an unit of ownership in a company. Behind every single stock is a company. Behind a company is a business. When you buy stocks, you grew to become one of the proprietors of the company. Stocks are represented by stock certificates as proof of your ownership. Now days the certificated are in Demat form. On the internet trading of stocks is implemented in most of the Stock exchanges. Net grew to become the crucial medium of buying and selling shares. Stocks are also known as as shares and securities.

Subsequent are the rights of a typical stockholder.

1. Electing directors and proposals for mergers and acquisitions2. The proper to offer the stocks they very own3. Dividends4. The possibility to inspect corporate books in the form of an annual report.

The rights could differ somewhat by country.

The stocks are issued mainly to increase funds and a depending on the marketplace need a public business will concern a lot more stocks. And if the company problem the stocks for the initial time it is referred to as Initial Public Offer. The subsequent are the essential terms of a stock

1. Average Return Of Equity (ROE)2. Average growth earning per share growth fee (EPS GR)3. Financial debt to Equity Ratio (D/E)4. Gross profit margin5. Dividends6. Price to earnings ratio (P/E)

Usually investing in stocks will give a lot more earnings than any other investment. Billionaires like Warren Buffet, Phil Fisher, Benjamin Graham, and Peter Lynch made their wealth by investing in stocks. Besides long term investing there are also intra-day trading and short expression investment. Futures and Possibilities are other innovative buying and selling approaches which are dangerous. A few percentage of people involved in such sort of buying and selling, nevertheless the percentage of people trading Futures and options are growing. They are contract based and traded in lots.

Stock markets are exchange houses, which are centers for buyers and sellers. The stock marketplace facilitates the exchange involving buyers and sellers. A stock market or equity market is a public entity wherever the businesses are listed. It is a market place in which securities are bought and sold. Stock market acts as a medium between the traders and companies.

Firms raise cash using stock market. The main element of stock marketplace is Index. An Index is generally the typical value of 30 or 50 chosen shares. The index is utilized to keep track of the overall performances of marketplace.

About the Author

You can learn a lot of money from Stocks. The only issue is that you should know how to trade well. Click here to know more about Stocks.












Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author’s information and copyright must be included.

Related Equities & Stocks Articles

Mary Pat Higley: Pharma Companies Partner with Academic Researchers










New York, NY (PRWEB) September 23, 2012

According to U.S. Politics Today, drug developers and academic medical centers are working together to achieve future pharmaceutical breakthroughs. This partnership has, according to the article, the potential of changing the way that drugs are researched and developed. Mary Pat Higley, a clinical pharmacist and leader in the pharmaceutical field, believes that the pairing of pharmaceutical companies and academic facilities can improve the drug development process.

The article’s insight is gleaned from a panel of professionals called to order by the Tufts Center for the Study of Drug Development. During a roundtable event, the participants on the panel noted that today’s drug developers face two major issues. First, they need to update their business models in order to produce cost-effective products quickly. Second, they need to reexamine and adjust their research processes to create a more effective research and development pipeline.

Professor and Director of the Center for the Study of Drug Development Kenneth Kaitin comments: “The research complexities associated with the most challenging diseases and medical conditions means that few companies have the resources required to discover new molecules and then take them through clinical development and, ultimately, product launch. They are finding, however, that academic medical centers can provide a valuable way to bridge the gap between discovery and clinical development.”

Mary Pat Higley believes that such a partnership can create a more favorable environment for research and development, and lead to better drug production.

“Drug developers need to not only develop new drugs to treat diseases,” asserts Mary Pat Higley, “but to also carry out well-designed studies to test the effectiveness of these drugs on appropriate patient populations. Large academic centers have access to large populations of patients and are often regional centers for referrals. They also have known medical histories, as compared to small research facilities that don’t have access to the full medical record. Knowing extensive medical histories allows them to better screen and match the patients to the protocol criteria. This allows for clinical trials with complete information and clean data and results. Slow IRBs and difficulty getting studies through contracts and grants at large institutions have been obstacles to pharmaceutical companies that are anxious to get their clinical trials completed quickly and their drugs approved and on the market.”

ABOUT:

Mary Pat Higley is a clinical research professional who has developed a noteworthy career by combining her scientific knowledge with her business insight. With over three decades of experience, Mary Pat Higley has built a professional acumen that includes clinical pharmacy, project marketing, sales and marketing, and clinical research. Mary Pat Higley is committed to enhancing patient care and assisting with the improvement of national health. To achieve these goals, she has become a member of the Association of Clinical Research Professionals.






















Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.









More Small Business Press Releases

September Has Been a Big Month for Crash Safety Legislation and Innovation











St. Louis, Missouri (PRWEB) September 21, 2012

St. Louis car accident attorney Christopher Dysart of The Dysart Law Firm, P.C. (http://www.dysart-law.com) wants to remind drivers of the contributions made to car crash safety during the month of September. On September 21, 2002, Nils Bohlin, inventor of the three-point seatbelt, died at age 82. On September 9, 1966, President Lyndon Johnson signed the National Traffic and Motor Vehicle Safety Act into law. On September 1, 1998, the Intermodal Surface Transportation Efficiency Act of 1991 went into effect. The law required that all cars and light trucks sold in the United States have air bags on both sides of the front seat.

Bohlin, the inventor of the three-point seat belt, spent most of the 1950s developing ejection seats for Saab airplanes, and in 1958, he became the Volvo Car Corporation’s first safety engineer. At Volvo, he designed the first three-point safety belt–a seatbelt with one strap that crossed diagonally across the user’s chest and another that secured his or her hips.

At the time that Bohlin introduced his three-point belt, not many non–racecar-drivers used seatbelts at all. (In fact, they were optional equipment in most cars: buyers had to pay extra if they wanted them.) The belts that were in use consisted of a single lap belt with a buckle that fastened over the stomach. In high-speed crashes, they would keep a person in his or her seat, but the abdominal pressure they caused could result in serious internal injuries. Bohlin’s belt, by contrast, was much safer; it was just as easy to fasten; and it protected both the upper and lower body.

On September 9, 1966, President Lyndon Johnson signed the National Traffic and Motor Vehicle Safety Act into law. Immediately afterward, he signed the Highway Safety Act. The two bills made the federal government responsible for setting and enforcing safety standards for cars and roads. Unsafe highways, Johnson argued, were a menace to public health: “In this century,” Johnson said before he signed the bills, “more than 1,500,000 of our fellow citizens have died on our streets and highways; nearly three times as many Americans as we have lost in all our wars.” It was a genuine crisis, and one that the automakers had proven themselves unwilling or unable to resolve. “Safety is no luxury item,” the President declared, “no optional extra; it must be a normal cost of doing business.”

NTMVSA resulted in safer, more crash resistant cars: it required seat belts for every passenger, impact-absorbing steering wheels, rupture-resistant fuel tanks, door latches that stayed latched in crashes, side-view mirrors, shatter-resistant windshields and windshield defrosters, lights on the sides of cars as well as the front and back, and “the padding and softening of interior surfaces and protrusions.” (For its part, the Highway Safety Act required that road builders install guardrails, better streetlights, and stronger barriers between opposing lanes of traffic.)

On September 1, 1998, the Intermodal Surface Transportation Efficiency Act of 1991 went into effect. The law required that all cars and light trucks sold in the United States have air bags on both sides of the front seat.

Inspired by the inflatable protective covers on Navy torpedoes, an industrial engineering technician from Pennsylvania named John Hetrick patented a design for a “safety cushion assembly for automotive vehicles” in 1953. The next year, Hetrick sent sketches of his device to Ford, General Motors, and Chrysler, but the automakers never responded. Inflatable-safety-cushion technology languished until 1965, when Ralph Nader’s book “Unsafe at Any Speed” speculated that seat belts and air bags together could prevent thousands of deaths in car accidents.

In 1966, when Congress passed the National Traffic and Motor Vehicle Act, they required automakers to install seat belts, but not air bags, in every car they built. Unfortunately, the law did not require people to use their seat belts, and only about 25 percent did. Air bags seemed like the perfect solution to this problem: They could protect drivers and passengers in car crashes whether they chose to buckle up or not.

While Ford and GM began to install air bags in some vehicles during the 1970s, some experts began to wonder if they caused more problems than they solved. When air bags inflated, they could hit people of smaller stature–and children in particular–so hard that they could be seriously hurt or even killed. A 1973 study suggested that three-point (lap and shoulder) seat belts were more effective and less risky than air bags anyway. But as air-bag technology improved, automakers began to install them in more and more vehicles, and by the time the 1991 law was passed, they were a fairly common feature in many cars. Still, the law gave carmakers time to overhaul their factories if necessary: It did not require passenger cars to have air bags until after September 1, 1997. (Truck manufacturers got an extra year to comply with the law).

Researchers estimate that air bags reduce the risk of dying in a head-on car accident by 30 percent, and they agree that the bags have saved more than 10,000 lives since the late 1980s. (Many of those people were not wearing seat belts, which experts believe have saved more than 211,000 lives since1975.) Today, they are standard equipment in almost 100 million cars and trucks.

About The Dysart Law Firm, P.C.

The Dysart Law Firm, P.C. is a St. Louis based car accident law firm that serves clients throughout the States of Missouri and Illinois, including the City of St. Louis, St. Louis County, Columbia, St. Charles, O’Fallen, Springfield, Jefferson City, Cape Girardeau, Alton, Granite City, Edwardsville, Wood River, Roxana, Belleville, East St. Louis, Collinsville, Rockford, Naperville, Peoria, Elgin, Champaign, Carbondale and Mount Vernon. . The firm’s practice includes car accidents, truck accidents, pedestrian accidents, auto manufacturing defects and wrongful death.

Mr. Dysart is a former federal prosecutor and has been nationally recognized as a personal injury lawyer obtaining numerous multi-million dollar verdicts and settlements.

The Dysart Law Firm, P.C. is located at 100 Chesterfield Business Parkway, Second Floor, St. Louis, Missouri 63005 (toll free number 888-586-7041). The firm’s website may be seen at http://www.dysart-law.com, and Mr. Dysart may be contacted via e-mail at cdysart(at)dysart-law(dot)com.























Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.









Find More General Press Releases

Here’s Part 1 of my in-depth interview with author David Quintieri about the Derivatives nightmare, which is a blatant Wall Street fraud that goes far beyond the fraud of fractional reserve banking. Derivatives are the titanic of the world’s financial system and we have already hit the iceberg. With more than 00 Trillion in outstanding Derivatives worldwide, the system cannot be “unwound” and it’s impossible to save. David’s site: themoneygps.com My website: SGTreport.com Music: “Stormfront” byKevin MacLeod (incompetech.com) Licensed under Creative Commons “Attribution 3.0″ creativecommons.org creativecommons.org The content in my videos and on the SGTbull07 channel are provided for informational purposes only. Use the information found in my videos as a starting point for conducting your own research and conduct your own due diligence (DD) BEFORE making any significant investing decisions. SGTbull07 assumes all information to be truthful and reliable; however, I cannot and do not warrant or guarantee the accuracy of this information. Thank you.

Article by Carlenemiyashiro
























When you are under the pressure of debts, finding the right help can be a great relief for you. The debt help programs available in the market will not just help you to eliminate your debt problems, but also rebuild your finances. Apart from these, there are also many other benefits you can obtain by opting for the right assistance. For instance, a good debt relief help can also boost your credit scoring and provide you more purchasing power. However, in order to obtain these benefits, it is necessary to look for the right assistance. Performing a proper research and selecting a reliable debt relief company can provide you the best possible results.

The number of credit card debtors in increasing everyday considering the poor state of economy where everyone is using the card system of buying now and paying later. While some manage to pay back, there are many who are unable to pay back their credits and they land up in debt. There have been many serious cases where the creditors have sent bailiffs to the debtors’ houses to harass them and forfeit their property. If you are in debt too, then you shouldn’t just sit and cry about it. You have to take measures and seek some kind of debt help so that you are never faced by a situation like that.There are, basically, two types of debt help that can you can get today whether it is provided by a government organization or a private firm. These are:

Debt Management: This is the quickest and easiest way debt help you can get. Your professional expert will review your current financial state and the total debt on you and will negotiate with your creditors on behalf of you to reduce your payment. Your interest will be lowered greatly and you will have to pay a fixed amount which will be affordable by you for a fixed period of time. You will pay the monthly amounts to the management company and they will, in turn, distribute it among the different creditors you owe.It does not matter how big or old your debt is you will be able to make real changes to the financial standing by hiring the right debt help service. When you look for these services, you will come across numerous companies, which are offering instant relief solutions for the consumers. However, as you will find innumerable companies, which are offering these services for the customers, it is very important to select a company that can provide you valued service. For instance, opting for a company that can offer the lowest interest rate on the lump sum amount of the debt ensures that you are obtaining the most beneficial plan, when you are suffering from long-term finance problems. Although, you will be in urgent when you are looking for a debt relief help, it is very important to make sure that you are performing a thorough research for obtaining the best.Before getting a debt help, it is very important to understand the program you are opting for thoroughly. You should know what you have to sacrifice for getting the program done. Developing a realistic expectation and hen looking for a debt relief company is very important.

About the Author

More information is available on debtmanagementconsultants.co.uk.They offer information on how to obtain debt help,as well as debt help for first time buyers. If you’re interested in finding debt help,visit one of the links above.












Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author’s information and copyright must be included.

Related Debt Articles

Article by Swati
























Online Stock market Trading is becoming the most popular way to trade stocks because of computers. No longer do we have to call a broker and pay high commissions to buy or sell a stock. With just a few clicks of the mouse we are in total control of our investments. With online brokerages competing for your business, commission prices are at levels that are easily affordable. Access to information, known only to stockbrokers a few years ago, is now at our finger tips.according to indian stock market tips There are many reasons people prefer to buy and sell stocks online. Many individuals appreciate the ease and comfort of working from their home.It provides convenience of information being available at your fingertips, the capability to make a trade and the ability to monitor an account.

The online market is extensive and ever expanding, this rings true in every study. The ability to identify where your markets are increasing can be difficult. The patterns found online can reveal the strategies required to increase your business market stock. The stock trading can prove to be an perfect way to increase your assets in less time with minimal effort.Although,online stock market trading can be slightly confusing to those who have no knowledge in this field.It is essential that you are well versed with some of the fundamentals before you put in time and money into the market. Stocks are generally representations of a part of a company. When one buys a company’s stock, one has purchased a share in ownership of said company. This often gives one the right to vote on vital aspects of the company’s business motions. As the company’s profits increase, stock rises in value. If the company’s profits decrease, the stock’s value will fall.

indian Stock Market tips for trading:

Let’s end with a few tips for developing a winning strategy in the stock market.

First, you have to be patient. Once you pick your stock watch list, you have to be willing for your trade to set up. Like Ichow says, don’t chase the trade. Don’t force something that’s not there. Remember, you are riding the wave of the market, not the other way around. You are not a market maker and cannot manipulate stock prices like they can.

Second, keep it simple. Use the minimal number of indicators and chart patterns to be successful to start off with. Don’t over-complicate things. Hone your skills with a simple strategy and move on from there.

Third, use a practice account to trade before you use real money. It’s correct to say that the emotions won’t be present using virtual money. But emotional and psychological management is much easier to do when you have the technical stuff down first.indian stock market tips

About the Author

indian stock market tips is dedicated towards unfurling the expertise of those Option veterans in the Indian Stock Market domain who are involved in providing option tips in index and equity Options ,Hedging with options,Call & Put Writing Strategies . We bring them all to one common platform Option tips.indian stock market tips












Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author’s information and copyright must be included.