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2011-04-06T22:32:00.000-07:00

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WWE Raw 03 14 11 Dsr Xvid - Xwt

2011-03-15T06:22:00.000-07:00

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Britney Spears – Till The World Ends – WEB [2011] - gnvr

2011-03-11T09:01:00.000-08:00

Germany has a universal multi-payer system with two main types of health insurance. Germans are offered three mandatory health benefits, which are co-financed by employer and employee: health insurance, accident insurance, and long-term care insurance.

Accident insurance (Unfallversicherung) is covered by the employer and basically covers all risks for commuting to work and at the workplace.

Long term care (Pflegeversicherung is covered half and half by employer and employee and covers cases in which a person is not able to manage his or her daily routine (provision of food, cleaning of apartment, personal hygiene, etc.). It is about 2% of a yearly salaried income or pension, with employers matching the contribution of the employee.

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Drive Angry 2011 TS XViD v2 – IMAGiNE

2011-03-07T04:14:00.000-08:00

Health insurance, like other forms of insurance, is a form of collectivism by means of which people collectively pool their risk, in this case the risk of incurring medical expenses. The collective is usually publicly owned or else is organized on a non-profit basis for the members of the pool, though in some countries health insurance pools may also be managed by for-profit companies. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided universally through government as a feature of social solidarity, as is typical in many industrial countries, or as form of government charity such as the United States Medicaid program. It may be purchased privately on a group basis (e.g., by a firm to cover its employees) or purchased by an individual for himself or his family. In each case, the covered groups or individuals pay a fee, premium, or tax, to help protect themselves from health care expenses.

By estimating the overall risk of health care expenses, a routine finance structure (such as a monthly premium or payroll tax) can be developed, ensuring that money is available to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.

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WWE Superstars 2011.03.03 HDTV XviD-KYR

2011-03-04T00:49:00.000-08:00

The World Health Organization (WHO) is a specialized United Nations agency which acts as a coordinator and researcher for public health around the world. Established on 7 April 1948, and headquartered in Geneva, Switzerland, the agency inherited the mandate and resources of its predecessor, the Health Organization, which had been an agency of the League of Nations. The WHO's constitution states that its mission "is the attainment by all peoples of the highest possible level of health." Its major task is to combat disease, especially key infectious diseases, and to promote the general health of the peoples of the world. Examples of its work include years of fighting smallpox, which the organization declared in 1979 had been eradicated - the first disease in history to be completely eliminated by deliberate human design. The WHO is nearing success through research activities in developing vaccines against malaria and schistosomiasis.

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TNA iMPACT 2011.03.03 HDTV XviD-W4F

2011-03-04T00:23:00.000-08:00

The health-care industry incorporates several sectors that are dedicated to providing health care services and products. According to industry and market classifications, such as the Global Industry Classification Standard and the Industry Classification Benchmark, the health-care industry includes health care equipment and services as well as pharmaceuticals, biotechnology and life sciences. The particular sectors associated with these groups are: biotechnology, diagnostic substances, drug delivery, drug manufacturers, hospitals, medical equipment and instruments, diagnostic laboratories, nursing homes, providers of health care plans and home health care.
According to government industry classifications, which are mostly based on the United Nations system, the International Standard Industrial Classification, health care generally consists of hospital activities, medical and dental practice activities, and other human health activities. The last class consists of all activities for human health not performed by hospitals, physicians or dentists. This involves activities of, or under the supervision of, nurses, midwives, physiotherapists, scientific or diagnostic laboratories, pathology clinics, home, or other para-medical practitioners in the field of optometry, hydrotherapy, medical massage, yoga therapy, music therapy, occupational therapy, speech therapy, chiropody, homeopathy, chiropractics, acupuncture, etc

TNA iMPACT 2011.03.03 HDTV XviD-W4F

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United Six [2011] PDvdRip Xvid 1CDRip [DDR]

2011-03-03T05:10:00.000-08:00

The simplest form of term life insurance is for a term of one year. The death benefit would be paid by the insurance company if the insured died during the one year term, while no benefit is paid if the insured dies one day after the last day of the one year term. The premium paid is then based on the expected probability of the insured dying in that one year.
Because the likelihood of dying in the next year is low for anyone that the insurer would accept for the coverage, purchase of only one year of coverage is rare.
One of the main challenges to renewal experienced with some of these policies is requiring proof of insurability. For instance the insured could acquire a terminal illness within the term, but not actually die until after the term expires. Because of the terminal illness, the purchaser would likely be uninsurable after the expiration of the initial term, and would be unable to renew the policy or purchase a new one.
Some policies offer a feature called guaranteed reinsurability that allows the insured to renew without proof of insurability.

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WWE NXT Season 4 Finale 2011 03 01 360p x264

2011-03-03T04:43:00.000-08:00

WWE NXT Season 4 Finale 2011 03 01 360p x264

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Tron Legacy 2010 DVDRip XviD-ViP3R

2011-03-02T04:27:00.000-08:00

Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance or boiler insurance. Property is insured in two main ways - open perils and named perils. Open perils cover all the causes of loss not specifically excluded in the policy. Common exclusions on open peril policies include damage resulting from earthquakes, floods, nuclear incidents, acts of terrorism and war. Named perils require the actual cause of loss to be listed in the policy for insurance to be provided. The more common named perils include such damage-causing events as fire, lightning, explosion and theft.

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WWE.Monday.Night.Raw.2011.02.28.Hdtv.XviD

2011-03-01T03:35:00.000-08:00

Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments and/or conditions. If the insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.

Term life insurance is the original form of life insurance[citation needed] and can be contrasted to permanent life insurance such as whole life, universal life, and variable universal life, which guarantee coverage at fixed premiums for the lifetime of the covered individual[dubious – discuss]. Term insurance is not generally used for estate planning needs or charitable giving strategies but for pure income replacement needs for an individual. Many permanent life insurance products also build a predetermined cash value over the life of the contract, available for later withdrawal by the client under specific conditions.

WWE.Monday.Night.Raw.2011.02.28.Hdtv.XviD

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Oscars [2011]-The.83rd.Annual.Academy.Awards.HDTV.X

2011-02-28T05:18:00.000-08:00

Data recovery is the process of salvaging data from damaged, failed, corrupted, or inaccessible secondary storage media when it cannot be accessed normally. Often the data are being salvaged from storage media such as hard disk drives, storage tapes, CDs, DVDs, RAID, and other electronics. Recovery may be required due to physical damage to the storage device or logical damage to the file system that prevents it from being mounted by the host operating system.

The most common "data recovery" scenario involves an operating system (OS) failure (typically on a single-disk, single-partition, single-OS system), in which case the goal is simply to copy all wanted files to another disk. This can be easily accomplished with a Live CD, most of which provide a means to mount the system drive and backup disks or removable media, and to move the files from the system disk to the backup media with a file manager or optical disc authoring software. Such cases can often be mitigated by disk partitioning and consistently storing valuable data files (or copies of them) on a different partition from the replaceable OS system files.

Oscars [2011]-The.83rd.Annual.Academy.Awards.HDTV.X

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Clare Maguire – Light After Dark [2011] 320Kbps

2011-02-26T20:57:00.000-08:00

A personal injury lawyer is a lawyer who provides legal representation to those who claim to have been injured, physically or psychologically, as a result of the negligence or wrongdoing of another person, company, government agency, or other entity. Thus, personal injury lawyers tend to be especially knowledgeable and have more experience with regard to the area of law known as tort law, which includes civil wrongs and economic or non-economic damages to a person’s property, reputation, or rights.

Even though personal injury lawyers are trained and licensed to practice virtually any field of law, they generally only handle cases that fall under tort law including, but not limited to: work injuries, automobile and other accidents, defective products, medical mistakes, slip and fall accidents, and more.

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2011-02-26T20:31:00.000-08:00

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2011-02-26T04:39:00.000-08:00

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Madrasapatinam [2010] Hd Dvd 720p Dts x264 Subs-BluRay

2011-02-26T04:07:00.000-08:00

rivate banks store cord blood with a link to the identity of the donor, so that the family may retrieve it later if it is needed. The parents have custody of the cord blood until the child is an adult. The cord blood might someday be needed by the donor baby, or it could be used by a relative who is a close enough match to receive a transplant from the donor (typically a sibling). Private banks charge a fee of around $1000–$2000 to preserve the harvested cord blood for family biological insurance. Private banks have been criticized for aggressive marketing campaigns to expectant parents.

Madrasapatinam [2010] Hd Dvd 720p Dts x264 Subs-BluRay

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The Green Hornet 2011 R5 LiNE XViD-NOiR

2011-02-25T19:35:00.000-08:00

Source code escrow is the deposit of the source code of software with a third party escrow agent. Escrow is typically requested by a party licensing software (the licensee), to ensure maintenance of the software. The software source code is released to the licensee if the licensor files for bankruptcy or otherwise fails to maintain and update the software as promised in the software license agreement.

As the continued operation and maintenance of custom software is critical to many companies, they usually desire to make sure that it continues even if the licensor becomes unable to do so, such as because of bankruptcy. This is most easily achieved by obtaining a copy of the up-to-date source code. The licensor, however, will often be unwilling to agree to this, as the source code will generally represent one of his most closely guarded

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Tanu Weds Manu [2011]320 Kbps Mp3 Songs

2011-02-23T21:50:00.000-08:00

consolidate credit card debt wiki

Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.

Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, most commonly a house. In this case, a mortgage is secured against the house. The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower.

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yahoo small business | yahoo doamin

2011-02-23T07:33:00.000-08:00

yahoo small business | yahoo doamin
Yahoo! Inc. (NASDAQ: YHOO) is an American public corporation with headquarters in Sunnyvale, California, (in Silicon Valley), that provides services via the Internet worldwide. The company is perhaps best known for its web portal, search engine (Yahoo! Search), Yahoo! Directory, Yahoo! Mail, Yahoo! News, advertising, online mapping (Yahoo! Maps), video sharing (Yahoo! Video), and social media websites and services.

Yahoo! was founded by Jerry Yang and David Filo in January 1994 and was incorporated on March 1, 1995. On January 13, 2009, Yahoo! appointed Carol Bartz, former executive chairperson of Autodesk, as its new chief executive officer and a member of the board of directors.
Working with comScore, The New York Times found that Yahoo! is able to collect far more data about Web users than its competitors from its Web sites and its advertising network. By one measure, on average Yahoo! had the potential in December 2007 to build a profile of 2,500 records per month about each of its visitors.

As of May 22, 2008, An article in computer world states that Yahoo has a 2-petabyte, specially built data warehouse, which it uses to analyze the behavior of its half-billion Web visitors per month, processing 24 billion events a day. Yahoo Claimed it is expected to grow in multiples of 10 petabytes by 2009 and that this database is the largest in the world. In contrast the internal revenue services database of all taxpayers weighs in at only 150 TB.

As of December 18, 2008, Yahoo! retains search requests for a period of 13 months. However, In response to European Regulators Yahoo scrambles the last eight digits of a users IP address after three months, rendering them partially anonymous.

XXY [2008] DvdRip

2011-02-23T07:22:00.001-08:00

How to donate a car or boat to charity

It sounds so simple: Donate your used vehicle or boat to charity, avoid the hassles associated with selling it, and score a tax deduction at the same time. Everybody wins, right?

Not necessarily. As the saying goes, the road to h-e-double-hockey-sticks is paved with good intentions, and it can be surprisingly easy to fumble this well-meaning act.

Before you hand one of your biggest assets over to anyone, read the following tips to be sure you’re making the right moves.

1. Avoid middlemen. Numerous for-profit intermediary organizations advertise aggressively on TV, billboards and elsewhere, offering to help you donate your vehicle to charity. Here’s the catch: These organizations typically keep about 50 percent to 90 percent of the vehicle’s value for themselves, and the charities don’t get what they could have gotten. To prevent this, check directly with charities you admire and find out whether they accept car or boat donations.

2. Find a worthy charity. If the charities you normally support aren’t equipped to accept such donations, do some homework until you find a reputable charity that is. You can research charities’ track records online at this Better Business Bureau site and through Charity Navigator.

3. Check the math. If you still feel compelled to use an intermediary organization – possibly because you’re busy – at least ask the organization how much of the car or boat’s value will go to charity. If the organization simply gives charities flat fees — say, $100 for a used vehicle regardless of its value, or $2,000 a month — your donation may not be eligible for a tax deduction.

4. Know the status of your recipient. In order for you to qualify for a deduction, the charity that gets your donation must be an IRS-approved 501(c)(3) organization. Your church, synagogue, mosque or temple likely qualifies. (Check first just to make sure.) You also can visit the Internal Revenue Service’s Web site and search for Publication 78 to find other qualifying non-profit organizations. (Just type “78” into the search field on the IRS home page and you’ll be directed to the right publication.)

5. Do the delivery yourself. Once you’ve identified a worthy charity, recognize that it will have to pay someone to pick up your car or boat for you. To help the charity maximize the benefit of your donation, drop the car or boat off yourself.

6. Transfer the vehicle with care. Want to eliminate all risk of running up parking tickets and other violations after you’ve said goodbye to your donated vehicle? Then formally re-title the vehicle to the charity, and report the transfer to your state’s department of motor vehicles or licensing. Never agree to leave the ownership space on the charity donation papers blank.

7. Your estimate of the donation’s value probably won’t cut it. If your car or boat is worth more than $500, the IRS is going to want to see evidence of how much the charity got for it. (Most charities that accept these donations turn around and sell them for cash.) You’ll need to get a receipt from the charity revealing exactly how much money it made.

8. Know when you can report the fair market value. You won’t need evidence of the sales price if the charity keeps the vehicle or vessel and uses it in its charitable work, or if your donation is worth less than $500. Then you can report its fair market value based on listings from Kelley Blue Book and similar sources.

9. Keep a thorough paper trail. If your donation is worth more than $500, you’ll have to attach IRS Form 8283 to your tax return. If it’s worth more than $5,000, your documentation must include an outside appraisal. You’ll also need proof of the donation, such as a receipt from the charity and a copy of the title change.

10. Be detail-oriented. This paper trail may seem cumbersome, but think about it: This may be one of the biggest charitable donations you ever make. By taking the time to dot the i’s, you can make sure that the

charity gets the most benefit and you get the biggest possible deduction.

XXY [2008] DvdRip

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Cities In Motion-1C

2011-02-20T02:57:00.001-08:00

Cities In Motion-1C

A cord blood bank is a facility which stores umbilical cord blood for future use. Both private and public cord blood banks have developed since the mid- to late-1990s in response to the potential for cord blood transplants in treating diseases of the blood and immune systems.

Public banks accept donations to be used for anyone in need. Unlike private cord blood banking, public cord blood banking is supported by the medical community.[1][2][3] However, there are very strict regulations which public banks need to follow in order to enable the donated units to be added to a registry. Generally, an expectant mother interested in donation should contact the bank before the 34th week of pregnancy. The National Marrow Donor Program has a list of public cord blood banks on their website. Once the blood is donated, it loses all identifying information after a short period of initial testing. Families are not able to retrieve their own blood after it has been donated, but, as discussed below, it is very unlikely that they would be able to use the sample themselves.

Private banks store cord blood with a link to the identity of the donor, so that the family may retrieve it later if it is needed. The parents have custody of the cord blood until the child is an adult. The cord blood might someday be needed by the donor baby, or it could be used by a relative who is a close enough match to receive a transplant from the donor (typically a sibling). Private banks charge a fee of around $1000–$2000 to preserve the harvested cord blood for family biological insurance. Private banks have been criticized for aggressive marketing campaigns to expectant parents.

Cities In Motion-1C

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Fortis Bank Nederland

2011-02-20T02:30:00.000-08:00

Fortis Bank Nederland (formally Fortis Bank Nederland (Holding) N.V.) was a bank in the Netherlands.

The holding came into being within Fortis Bank, as a holding for those Dutch banks taken over by Fortis. In September-October 2008, the Dutch government first planned to invest €4 billion in exchange for an almost-50% interest in the holding (in newly-to-be-issued shares), but within a week the agreement was cancelled. The Dutch government took over all the Dutch parts of Fortis for a total of €16.8 billion; in this take-over, Fortis Bank Nederland was valued at €5 billion.
Later, Fortis Bank Nederland came in the news because it had lost €1 billion in the Madoff investment scandal. In March 2009, it reported that over 2008 it had booked an operational profit of €0.6 billion; this excluded (massive) write-offs.
In February 2010 Fortis Bank Nederland was integrated into the new ABN AMRO by the Dutch Government and some parts were sold off. On the 1 July that year the integration was officially completed and the Fortis name ended..

The Mechanic [2011] R5 LiNE Xvid-Noir

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LASIK NewYork

2011-02-18T09:31:00.000-08:00

The LASIK technique was made possible by the Colombia-based Spanish ophthalmologist Jose Barraquer, who, around 1950 in his clinic in Bogotá, Colombia, developed the first microkeratome, and developed the technique used to cut thin flaps in the cornea and alter its shape, in a procedure he called keratomileusis.
Later technical and procedural developments included RK (radial keratotomy), developed in the USSR in the 1970s by Svyatoslav Fyodorov, and PRK (photorefractive keratectomy), developed in 1983 at Columbia University by Dr. Steven Trokel, who in addition published an article in the American Journal of Ophthalmology in 1983 outlining the potential benefits of using the excimer laser patented in 1973 by Mani Lal Bhaumik in refractive surgeries.

In 1968 at the Northrop Corporation Research and Technology Center of the University of California, Mani Lal Bhaumik and a group of scientists were working on the development of a carbon-dioxide laser. Their work evolved into what would become the excimer laser

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PENNSYLVANIA LEMON LAW INFORMATION

2011-02-18T02:45:00.000-08:00

Kimmel and Silverman uses The Pennsylvania Lemon Law and various Federal warranty statutes to provide 100% cost-free legal help to distressed drivers statewide.

The Pennsylvania Lemon Law applies to new cars that suffer a nonconformity; a defect or condition, which substantially impairs the use, value or safety; that cannot be repaired after three attempts by an authorized manufacturer's dealership. This nonconformity must first occur within the first 12 months or 12,000 miles, whichever comes first.
Kimmel and Silverman was the only lemon law firm in the state to work with The Pennsylvania State House of Representatives' Consumer Affairs Committee, in an effort to expand the PA Lemon Law. The first expansion was to include leased cars, providing lemon law protection to 20% more of the state's drivers. To read about this important change, click here. In addition, in December of 2002, Kimmel and Silverman worked with the House to implement another important change involving used cars with lemon law histories.

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conference calling service | call conference

2011-02-18T02:35:00.000-08:00

A conference call is a telephone call in which the calling party wishes to have more than one called party listen in to the audio portion of the call. The conference calls may be designed to allow the called party to participate during the call, or the call may be set up so that the called party merely listens into the call and cannot speak. It is often referred to as an ATC (Audio Tele-Conference).

Businesses use conference calls daily to meet with remote parties, both internally and outside of their company. Common applications are client meetings or sales presentations, project meetings and updates, regular team meetings, training classes and communication to employees who work in different locations.

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portable trade show exhibit | Types of Trade | The Rise of Rental

2011-02-04T09:19:00.000-08:00

portable trade show exhibit:
A trade show display consists of the physical screens, banners and other paraphernalia used to fill a temporary stall or booth at a trade fair or convention. The displays vary greatly in size, cost and complexity, but all are designed to visually represent a specific interest. Companies typically rent exhibit space from show organizers and then, design trade show displays to attract the attention of visitors and attendees at the trade show. Trade show displays usually use bold images and catch phrases, in an attempt to lure attendees to their exhibit space, so that they can give a sales pitch or hand out brochures.

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MOTOR VEHICLE WARRANTY AND LEMON LAW | MOTOR VEHICLE LAW

2011-02-03T08:52:00.000-08:00

MOTOR VEHICLE WARRANTY AND LEMON LAW
New Protections For Consumers Buying New & Used Cars

A purchaser or lessee of a motor vehicle has various rights under both state and federal law if the vehicle does not perform as provided under an express warranty. Warranty law can be complex, and it is impossible to describe comprehensively all of the law in a brief space. The following comments briefly explain the Song-Beverly Consumer Warranty Act and what is popularly known as the "Lemon Law."

This message is not a substitute for your contacting your own lawyer who can best advise you of your rights under the particular circumstances of your case. The Attorney General's office cannot advise you of your legal rights and cannot represent you in a warranty dispute.


       1.Coverage For New Motor Vehicles.

          1. OVERVIEW OF SONG-BEVERLY WARRANTY RIGHTS

            The Song-Beverly Consumer Warranty Act (beginning with Civil Code section 1790) provides protection for consumers who lease or buy new motor vehicles. The law requires that if the manufacturer or its representative in this state, such as an authorized dealer, is unable to service or repair a new motor vehicle to meet the terms of an express written warranty after a reasonable number of repair attempts, the manufacturer is required promptly to replace the vehicle or return the purchase price to the lessee or buyer. The purchase price that must be returned includes the price paid for manufacturer-installed items and transportation but does not include the price paid for nonmanufacturer items installed by the dealer. The lessee or buyer is completely free to choose whether to accept a replacement or a refund. Whatever the choice, the manufacturer is also responsible to pay for sales or use tax; license, registration, and other official fees; and incidental damages that the lessee or buyer may have incurred such as finance charges, repair, towing, and rental car costs.

            The lessee or buyer may be charged for the use of the vehicle regardless of whether the vehicle is replaced or the purchase price is refunded. The amount that may be charged for use is determined by multiplying the actual price of the new vehicle by a fraction having as its denominator 120,000 and as its numerator the number of miles traveled by the vehicle before it was first brought in for correction of the problem. For example, if the car had traveled 6,000 miles before it was first brought in for correction of the problem, the lessee or buyer could be charged 5% (6,000/120,000 = 5%) of the purchase price for usage.

            The law applies for the entire period of your warranty. For example, if your vehicle is covered by a three-year warranty and you discover a defect after two years, the manufacturer will have to replace the vehicle or reimburse you as outlined above if the manufacturer or its representative is unable to conform the vehicle to the express warranty after a reasonable number of attempts to do so.

            Song-Beverly does not apply if the problem was caused by abuse after the vehicle was delivered. Be sure you follow the terms of the warranty for maintenance and proper use of the vehicle.

            Although there is a four-year statute of limitations to bring a law suit for breach of warranty or for violations of Song-Beverly, you should act promptly to try to resolve the problem fairly and quickly without legal action if possible.


2. THE "LEMON LAW" AND WHAT IS A REASONABLE NUMBER OF REPAIR ATTEMPTS

            What is considered a reasonable number of repair attempts will depend on the circumstances including the seriousness of the defect. For example, one or two repair attempts may be considered reasonable for serious safety defects such as brake failure, depending on the exact situation.

            A special provision, often called the "Lemon Law," helps determine what is a reasonable number of repair attempts for problems that substantially impair the use, value, or safety of the vehicle. The "Lemon Law" applies to these problems if they arise during the first 18 months after the consumer received delivery of the vehicle or within the first 18,000 miles on the odometer, whichever occurs first. During the first 18 months or 18,000 miles, the "Lemon Law" presumes that a manufacturer has had a reasonable number of attempts to repair the vehicle if either (1) The same problem results in a condition that is likely to cause death or serious bodily injury if the vehicle is driven and the problem has been subject to repair two or more times by the manufacturer or its agents, and the buyer or lessee has at least once directly notified the manufacturer of the need for the repair of the problem as provided in the warranty or owner's manual or (2) The same problem has been subject to repair four or more times by the manufacturer or its agents and the buyer has at least once directly notified the manufacturer of the need for the repair of the problem as provided in the warranty or owner's manual or (3) The vehicle is out of service because of the repair of any number of problems by the manufacturer or its agents for a cumulative total of more than 30 days since delivery of the vehicle.

            The "Lemon Law" presumption is a guide, not an absolute rule. A judge or arbitrator can assume that the manufacturer has had a reasonable number of chances to repair the vehicle if all of the conditions are met. The manufacturer, however, has the right to try to prove that it should have the chance to attempt additional repairs, and the consumer has the right to show that fewer repair attempts are reasonable under the circumstances.

            Be sure to check your warranty and owner's manual for instructions. You may be required to directly notify the manufacturer of the problem(s). It is a good idea to send your written notice to the manufacturer at the address shown in the warranty or owner's manual by certified mail, return receipt requested so that you have proof that your letter was received. Keep a copy of all correspondence.

            If the manufacturer maintains a state-certified arbitration program, the consumer must submit the warranty dispute to the arbitration program before the consumer can take advantage of the presumption in court. Arbitration is an alternative to court proceedings. The consumer may assert the presumption during arbitration. Information about any arbitration should be described in the warranty or owner's manual.

            Not every manufacturer maintains a state certified program. You should check with the Department of Consumer Affairs' Arbitration Certification Program at (800) 952-5210 or on the Internet at www.dca.ca.gov/acp/. You can also ask for the department's free pamphlet that explains more about arbitration, "Lemon Aid for Consumers."

            3. WHO IS COVERED

            The law applies to a new motor vehicle that is bought or used primarily for personal, family or household purposes. The law also applies to a new motor vehicle with a gross vehicle weight under 10,000 pounds that is bought or used primarily for business purposes by a person, including a partnership, limited liability company, corporation, association, or any other legal entity, to which not more than five motor vehicles are registered in this state.

4. WHAT IS A NEW MOTOR VEHICLE

            The law discussed above applies to "new motor vehicles." (Certain limited protection may apply to used vehicles as described in Section 2.) The term "new motor vehicle" includes not only new motor vehicles but also demonstrators; the chassis, chassis cab, and propulsion system of a new motor home; and any other motor vehicle sold with a manufacturer's new car warranty. For example, a two-year old used car sold with the remaining one year portion of a manufacturer's three-year new car warranty would be treated as a new motor vehicle. The term "new motor vehicle," however, does not include motorcycles or exclusively off-road vehicles.

2. Coverage For Vehicles That Are Not "New"

      Although the special provisions discussed above apply to new motor vehicles, Song-Beverly has many general rules that apply to any consumer product sold with an express written warranty. As a result, there is important coverage for motorcycles, the living quarters of a mobile home, used vehicles sold with a dealer's express written warranty, "lemon" vehicles repurchased by the manufacturer and sold to consumers with an express written warranty covering the defect, and vehicles sold with a service contract.

      A full description of warranty rights is beyond the scope of this message, but you should be aware that coverage is not identical to the coverage for new motor vehicles. For example, a warrantor who is unable to conform a consumer product to its express warranty within a reasonable number of attempts is required to replace the goods or refund the purchase price less an amount attributable to the consumer's use. Unlike the special rules on new motor vehicles, however, there is no set formula for determining the charge for the consumer's use before the discovery of the defect, and the Lemon Law presumption does not apply.

      For complete advice concerning your legal rights, you should consult your own attorney.