Some Laws To Protect Your Automobile

People tend to face numerous issues with respect to their automobiles. Some of the most common problems that people face are –

• Buying a defective car and getting refused a refund, fixing and replacement by the manufacturer.

• After completing a final loan contract, you are asked to sign a new contract with higher down payment.

• You are trapped with deceptive advertisements and you have been sold a more expensive car.

• Dealer conceals optional add-ons and undervalues the trade-in during fixing of the deals.

• Your car is repossessed without your consent by the creditor.

Know Your Rights

There are different laws that save the consumers from auto fraud. Here is a list of various laws and their scheme of protection.

Magnuson-Moss Warranty Act

This law is utilised when a contractor, warrantor or supplier denies complying with a service contract, written warranty or implied warranty.

State Repossession Laws

These laws state that –

• Your car cannot be removed from a locked garage by the car repossession company without your consent.

• You can put your car up in auction or you can pay the full money in order to buy back the car.

• On paying repossession costs or reinstating your loan, you can get your car back in some states.

• Your car must not be sold below market value.

• You should be informed whether the creditor will put the car up for auction or not.

State Lemon Laws

Those cars are dealt by lemon laws that have been repaired many times for the same defect. Different states have different lemon laws.

• Your car should be replaced or refunded by the manufacturer for a substantial defect after four tries.

• Your car should be refunded or replaced for a safety defect after two tries.

Truth in Lending Act (TILA)

According to TILA, interest rates and other information regarding the loan should be disclosed by the lenders before processing a loan. You can get the best auto financing rate with the help of TILA.

Unfair, Deceptive, or Abusive Acts or Practices (UDAP)

You are protected by UDAP from deceptive, unfair and false acts including the false advertisements.

Contacting an Attorney

You should know about the following, if you want to contact an attorney.

Repair Record

Keep record of the timing of the car when it is out for service and keep track of the repair attempts. Every time you repair the car, do not forget to submit a dated and written list of problems to your dealer.

Notice Required

Before entitling to a replacement or refund, you must go through the notice requirement of your state.

Your Refund or Replacement

Ask the manufacturer for a replacement or refund only after confirming that your car is qualified as a lemon. You may have to go through arbitration if a valid arbitration program is incorporated into your written warranty, in order to get your replacement or refund.

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Automobile Business Plan – Four Steps to Success

Like other business plans, the contents of an automobile dealership business plan cover four primary steps towards success. These steps are “opportunity”, “capacity”, “activities”, and “results”.

Opportunity

The industry, customer, and competitive analysis in your business plan proves the opportunity. This should identify that customers in your local market are in need of a dealer of the type you’ve chosen to be because competitors are not fully serving their needs, or because their demographics are changing (more population, richer, poorer, more families, etc.) The opportunity could also be that a certain combination of services by your dealership could improve on what competitors are currently doing. The overall industry situation should look ahead to how the car sales market will be doing six months, one year, or more in the future, when the dealership will actually be open.

Capacity

The experience of the management team, your license as a car dealer, and the financial resources the partners can bring to the table cover the capacity of the entrepreneur to jump on this opportunity. Funders reading the business plan expect that there will also be an element of cash missing from the entrepreneur’s capacity at the moment. Otherwise, they would not be reading the plan in the first place.

Activities

Marketing and operations plans cover the activities the company will engage in to bring in car buyers (and car sellers if you are a used car dealer as well), and run the business as efficiently as possible. As a small car dealer, consider how you can make up for this lack of scale, and the cost savings that come with it for dealer chains, through creativity and hard work.

Results

Finally, the projections of business success and financial section of the plan show the results that you and investors should expect. If results take into account the full costs of the methods you’ve described, and include adequate compensation for staff and key team players, readers will be less likely to question elements on the cost side. If your revenue projections are based on reasonable, researched assumptions about the car buying behavior of your local market, then readers will be more likely to accept this side of the projections as well.

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Hospital Dentistry As Special Dental Solution

There might be times when conventional dental care would be insufficient for some patients. The factors can range from physical limitations because of sickness to the age of the patients. Either they might be too young or they are too old to have a regular cleaning or a root canal treatment. A remarkable solution to all these problems is the hospital dentistry.

This is a special arrangement, or a solution, for those who need dental care but not in a normal setting.

Occasionally, the patients also have problems getting the treatment in a clinic. This is despite the fact that dentistry is completed with countless state-of-the-art features. It has come a long way from the 17th century when Charles Allen published the first book of dentistry, titled the Operator for the Teeth. In many cases, hospital dentistry has emerged as the only special dental solution.

This might be surprising but this special dental solution works for those patients, who have a phobia for anything related to dental care. Many people have also fear about the needles and forceps used in a clinic. The treatment might be a simple paint-free dentistry, such as for cleaning and teeth whitening. Yet, the irrational fear persists.

On the other hand, kids, young children and other patients with development disabilities would also need special care and treatment. A traditional dental setting would be insufficient for them. In extreme cases, there might be patients who would need a full sedation as in a hospital to get the pain free dentistry as well.

So what are provided in hospital dentistry?

Though the approach is slightly different from normal care in these facilities, all the common dental care solutions are available. Patients can look forward to a host of paint free dentistry, some of which are mentioned below:

• Cleaning and prevention: This includes fillings, digital X-rays and deep cleaning.

• Teeth whitening: This is remarkable for cosmetic purposes.

• Invisalign: This is a much more efficient alternative to traditional braces.

• Root canal therapy: Hospital dentistry has simplified this complex process of curing tooth pain and decay.

• Extractions: Many patients cannot stand this treatment and hence the crucial roles of pain free dentistry.

• Crowns, dentures and bridges: These are ideal for curing both teeth problems and cosmetic purposes.

• Implants: Another cosmetic solution in the most effective way

To conclude, hospital dentistry is an extension of dental care, albeit with a more sophisticated, yet simplified purposes. Precisely, it would suit everyone’s need regardless of phobias, inconvenience, age or illness.

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Locate the Best Hospitals in Milan

Milan is a wonderful city in Italy. Apart from being a sought after tourist destination, it is also a hotspot for fashion, business, art and music. Tourist attractions here include museums, castles, cathedrals, universities and libraries. You will find a sufficient number of public and private hospitals in the city. In case of an emergency you can call the Red Cross at 3883.

In case you happen to need medical assistance during your visit to Milan the Milan Clinic is a good choice for you. A complete healthcare facility that offers the entire range of medical facilities for the entire family, the clinic is staffed by English speaking doctors and nurses. The address for the clinic is 25 via Cerva, Milano. The hospital also offers vaccination advice to those traveling overseas.

The San Raffaele Hospital was founded in 1969. The facilities available at the hospital include clinical, diagnostic and surgical services. You will also find a fully equipped emergency room and an intensive care unit at San Raffaele. The focus in this hospital is on holistic healing. Therefore the hospital employees take care of the biological, psychological and spiritual aspects of healing. The hospital also carries out scientific medicinal research.

The Clinical Institute San Siro is currently in the process of remodeling and modernizing itself. The hospital mainly focuses on orthopedic surgery. The hospital holds an expertise in arthroscopic knee surgery, reconstructive surgery and sports trauma.

Located in the heart of the city, the nursing home la Madonnina is a hospital that is known to provide world class health service. The clinic provides a host of medical services and has a team of dedicated medical professionals. The hospital is operational 24 hours a day and in case of an emergency one can easily get medical assistance here at any time. The amenities at the hospital include operation theaters, delivery rooms and superior diagnostic services. The hospital address is via Quadronno at no.

Centro Cardiologico Monzino is a hospital dedicated to providing modern care in the field of cardiology. This hospital established by Professor Cesare Bartorelli is affiliated with the University of Milan and integrates research and education with clinical practice to provide the patients with the best medical care possible. The hospital offers the latest in diagnostic and therapeutic care.

The La Casa di Cura Privata Capitanio is a charity institute run by the Congregation of the Sisters of Sante Bartolomea Capitanio and Vicenta Gerosa. The hospital is the place to go in case you are looking for good and reliable services that don't cost too much. It is a hospital with multiple specialties. The hospital address is via g Mercalli, 30 – 20122 Milan and the telephone numbers is (02) 58-389-1.

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The Great Train Crash of 1999 Rocked Bourbonnais Illinois Hospital

The 1999 train accident in Bourbonnais, Illinois caused serious rethinking of safety issues and procedures, and led to significant new safety legislation. The crash was a collision between a truck and a train. The force of the impact of a collision between a southbound Amtrack passenger train and a semi-truck loaded with steel derailed the entire train, and killed eleven passengers. An investigation by the National Transportation Safety Board indicated that the cause of the accident was the truck driver’s trying to beat the train to a grade crossing. The NTSB commended the Bourbonnais Illinois Hospital response. The NTSB also recommended increasing enforcement of grade crossing signals and the installation of event recorders at all new grade crossings. They also spelled out new procedures for providing emergency responders with lists of all the crew and passengers who are aboard trains. A memorial to commemorate the victims of the crash was erected by the city of Bourbonnais, and is located at the intersection of Highways 102 and 45, across the way from the campus of Olivet Nazarene University.

The crash occurred 9:47 pm CST on 15 March, 1999 in the city of Bourbonnais Illinois. The Illinois Central Railroad’s southbound Amtrack train #59, the City of New Orleans, hit a semi-truck loaded with steel which was blocking a grade crossing. At the moment of impact, both of the locomotives and eleven of the fourteen passenger cars derailed; and then the derailed cars collided with two of the ten freight cars on a siding. The NTSB report attributed the cause of the crash to the reaction of the truck driver to the grade crossing signals. Perhaps thinking that he could beat the train crossing the tracks, the driver drove onto the tracks in front of the oncoming train. The driver, John Stokes, who survived, stated that the signal at the crossing did not activate until he was already on the track. He further stated that he hadn’t wanted to brake suddenly, which would propel his load of steel to ram the cab of his truck. The eleven passenger deaths and 122 injuries at Bourbonnais hospital resulted in over $14,000,000 in damages. Witnesses to the accident reported that the signal gates lowered only after the truck had begun crossing the tracks. One of the witnesses stated that the signal gate hit the truck’s trailer, and may have broken as a result. John Stokes was sentenced in 2004 to a two year prison term for failure to yield at a grade crossing. The presiding judge stated that he believed the driver’s sleepiness impaired his ability to make a safe driving decision.

As a result of the Bourbonnais crash the NTSB issued a number of recommendations focusing on railroad safety issues, which included reviewing the effectiveness of existing signals at railroad grade crossings. Also recommended was the use of traffic dividing islands to deter motorists from attempting to drive around the grade crossing gates. The U.S. Department of Transportation was urged to provide larger incentives and grants in order to increase the effectiveness of signals at grade crossings. The U.S. Federal Railway Administration was required to install event recorders in order to facilitate monitoring of gate position at grade crossings. The railroads themselves were directed to begin procedures to record accurate crew and passenger lists for emergency responders, and to improve Bourbonnais healthcare. They were also directed to implement better crew-accountability procedures on passenger trains. Railroads were also directed to install new event recorders at all new grade crossings.

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Benefits of Installing Hospital Wayfinding

One of the most neglected projects at the hospital is installing hospital wayfinding signs. These signs lead you to the right direction whether you are outside or inside the hospital. For outside wayfinding, you will usually see signs such as 'hospital ahead' or 'ambulance parking'. These signs tell you where to go and where not to go, in case of 'ambulance parking' since you do not want to go to the parking area for ambulance and be in their way.

If you are a staff at your local hospital and you think it needs an efficient wayfinding system, you should consider purchasing these signs from professional shops that sell signage for hospitals and other facilities. You can either buy painted signage or digital signs that light up or blink at night. Make sure that you put these wayfindings on locations that can be easily seen by patients and visitors.

Installing wayfinding at the hospital provides a lot of benefits. Some of the main benefits are listed in the paragraphs below.

• The most important benefit of installing wayfinding at the hospital is the reduction of stress and frustration among the patients and visitors. Most people are not familiar with the layout of the hospital even if it is their local hospital, unless of course they work there or is staying there for an indefinite period of time. People who go to the hospital, whether they are patients or visitors, usually feel stressed out not only because of their or their loved one's illness but also because of the difficulty of finding the right direction, even if this is only subconscious. This can be solved by having an efficient wayfinding system inside and outside the hospital.

• Another important benefit of installing hospital wayfinding is safety to the visitors and patients. If a visitor is pregnant, she is not allowed near an x-ray room which is in use because she will be exposed to x-ray radiation. Pregnant women can be prevented to go near the x-ray room if there is a sign that says 'caution: x-ray radiation'.

• Wayfinding system makes the rooms more accessible to the visitors. Visitors can easily go to the restrooms, cafeteria, and nurses 'station in case they want to relieve themselves, eat, or have questions about their loved ones' condition. This makes it easy for the visitors to go about the hospital on their own without getting lost in a maze of rooms and busy people.

• A good wayfinding system also shows that the hospital is organized. Organized hospitals have a more positive impact to their patients and visitors than hospitals that are disorderly. People will feel more comfortable staying in organized hospitals. If they have a good experience during their stay in the hospital, they will surely choose the same hospital in case they need medical attention and might even refer the hospital to their friends and loved ones.

These are some of the benefits of installing an efficient hospital wayfinding system. You should suggest this to your hospital administrators the next time you have a meeting.

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Two Excellent Hospitals in Jinan, China

Jinan is the capital city of Shandong, the second largest and most economically important province in China. Jinan has 6 districts and a population of 6 million. The city is one of the 15 sub-provincial cities of China. It is actually a very old city, occupied for about 4000 years. Jinan is beautiful, has a high GDP and is the cultural, financial and political center of the region. China's remarkable development has had a great effect on its health care sector as well. Today, most of the major cities like Jinan have a well-developed medical sector with lots of good hospitals and doctors. This is an overview of some of the leading hospitals in Jinan.

Qilu Hospital is situated at the 107 West Road, Jinan City: 250012 and is a leading hospital in Jinan. This giant general hospital is governed by the Ministry of Health. It is also a famous medical education and research center. The hospital has 1800 beds and is a modern health care facility that offers the best medical care to 1,974,000 patients annually (this number is taken from the outpatient section alone). Qilu Hospital is affiliated to Shandong University and was established in 1890 and received its present name in 2000. Qilu Hospital has academic exchange and association programs with more than 20 renowned health care facilities and universities in various countries. The modern surgery department at Qilu Hopital has sections in all branches including thoracic, pediatric, bone, laparoscopic and hepatobiliary surgery. The emergency department at Qilu Hospital is the best in the province and has emergency triage, medical and surgical wards as well as an operating room with 100 beds and an emergency pharmacy. Tel: 0531 -82,169,114

Qianfoshan Hospital is another major hospital and is located at 66 Jing Shi Road 250014. This general hospital is managed by the Health department of Shandong Province and has been offering modern and effective health care service since 1960. This tertiary level medical facility is connected to the Shandong University. The physical hospital has a construction area of ​​105,000 square meters, 1000 beds and 1,800 staff members. It has acquired several accolades including the "National Model Hospital Award" and the "Provincial Civilized Unit Award". The hospital has over 50 full-fledged medical departments which cover all major areas of medicine. Besides this, there are provincially approved centers for dental care, liver disease, counseling, and bone and joint disease treatment. Qianfoshan Hospital's outpatient complex of 51,000 square meters was built by a globally known Australian firm and is of international standard. The surgery unit is well equipped to carry out all types of operations and is particularly famous for neurosurgery, minimally invasive procedures and transplants. The hospital offers round the clock service in its emergency care department and ICUs.

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Hospital Digital Signage Systems

There are businesses that will get the most out of digital signage systems, while there are some that won’t find its advantages very beneficial. In my previous articles, I have discussed the businesses that will find the use of digital signage very beneficial. In order to give you a better idea, we will be discussing more about the use of such system in hospitals. Reading this article will save you from all the problems that you may encounter and will ensure that you will always get the best results from it.

Hospitals are some of the establishments that use a lot of posters and information boards to inform their patients with the latest updates and news regarding the services that they are offering. The problem with it is that they need to print posters regularly, and their information board will be filled with outdated information, which is not impossible for a person to see. However, if you are going to use a digital signage, you can easily avoid this problem and you don’t have to worry about anything when it comes to passing the information that you need.

Aside from being saved from the task of printing thousands of posters every year, you will also be saved from the problem of ruining the cleanliness of your establishment. Since you can easily edit all the information that you want to show your patients, you don’t have to worry about dealing with trash and “marks” on the walls of your hospital. This will help you be more productive and will reduce the time that is required to clean your establishment.

Getting someone who can work on the content that you want to display will also be very beneficial for you. All you have to do is to look for someone who has the skills that is required to maintain your digital signage system, and they will already be taking care of everything that you need for your business. All you have to do is to tell them about the things that you want them to display, and you will already be able to get the most out of your board.

Aside from this, you also need to make sure that you are going to work with a company that has the ability to give you the best signage for your business. There are things that you need to consider in order to get the best boards for your business, but with the help of a reliable company, it will be easy for you to choose the best for your hospital. You can also search the Internet to find the one that can provide you with the services that you need, and to see whether you are already looking at a reliable digital signage company or not.

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A Multifacested Hospital System

Today’s healthcare delivery system is extremely complicated with more and more responsibilities being placed on the healthcare consumer.  Many insurance plans have open access networks that allow members to go in and out of network to obtain needed care.  The problem is that there are so many specialists, facilities and services to account for today.  Coordinating ones own healthcare can turn into its own full time job eating up countless hours of research to figure out the correct healthcare plan for you.  It can also cause obtaining your needed healthcare to become splintered or disjointed, never really having a center point to operate from.  If things get to out of control your life could be at risk.  Wouldn’t it be great to have a system of healthcare access that would allow you to find the care that you need most, quickly and all in one nice package? 

Today’s Illinois healthcare consumer is looking to have access to healthcare in a total package and expects a unique blend of technology and personal touch to be infused into the Chicagoland healthcare.  They are looking for healthcare systems that are nationally recognized for specialty programs like heart care, obstetrics, trauma, oncology, rehabilitation, geriatrics, Chicago occupational health, treatment of alcohol and chemical dependency and psychiatric services.  Today’s consumer wants access to the top 10 hospitals in Illinois with the ability to utilize a full spectrum of home health care.  In Illinois and other states in the US, the consumer population is yearning for a health care center that bundles its services into a convenient system that is easy to enter into and navigate their healthcare needs from start to finish.

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Automobile Dealerships – Valuing Blue Sky

Blue Sky is the intrinsic value of an automobile dealership, over and above the value of its tangible assets. It is sometimes equated to the goodwill of a car dealership.

Most articles regarding the blue sky value of new car dealerships cite a multiple of earnings formula, such as three times earnings, four times earnings, and so forth. The idea that “blue-sky” can be determined by anything times anything is just plain wrong.

Even NADA the National Automobile Dealers Association in its publication entitled “A Dealer Guide to Valuing an Automobile Dealership, NADA June 1995, Revised July 2000 bemuses, in part, with respect to valuing a dealership by using a multiple of earnings: A Rule of Thumb valuation is more properly referred to as a “greater fool theory.” “It is not valuation theory, however.”

In its Update 2004, NADA omitted its reference to “fool”, but referred to the multiple formula as rarely based upon sound economic or valuation theory, and went on to state: “If you are a seller and the rule of thumb produces a high value, then this is not a matter of great concern. Go for it, and maybe someone will be stupid enough to pay you a very high value.”

A dealership’s blue sky is based upon what a buyer thinks it can produce in net profit. If potential buyers think it cannot produce a profit, the store will not sell. If it can produce a profit, then variables such as desirability of location, the balance the brand will bring to other existing franchises owned, whether or not the factory will require facility upgrades, and so on and so forth, determine whether or not a buyer will buy that particular brand, in that particular location, at that particular time.

I have been consulting with dealers for nearly four decades and have participated in over 1,000 automotive transactions ranging from $100,000 to over $100,000,000 and have never seen the price of a dealership sale determined by any multiple of earnings unless and until all of the above factors have been considered and the buyer then decided he, she or it was willing to spend “x” times what the buyer thought the dealership would earn, in order to purchase the business opportunity.

To think otherwise would be to subscribe to the theories that (1) even though you think a dealership could make a million dollars, the store is worth zero blue sky because it made no money last year; and (2) if a store has been making $5 million per year you should pay say 3 times $5 million as blue sky even though you think you will not produce that kind of profit. Both propositions are absurd. If a buyer does not think a dealership is worth blue sky, then what he is really saying is that he sees no business opportunity in the purchase and therefore, in my opinion, he should not buy the store.

Each dealership is unique with respect to its potential, location, balance that its brand brings a dealer group, and condition of facility. The sale is also unique with respect to whether it is a forced liquidation, orderly liquidation, arms length, insider, or a case where an anxious buyer is trying to induce an unwilling seller. There are management factors to consider, length and term of leases, possibilities or non-possibilities of purchasing the facilities and whether or not the factory wants to relocate the store or to open a new store up the street.

In the car business it is impossible to pick a dealership or a franchise out of a hat, multiply its earnings by some mystical number and predict either what the dealership is worth, or what price it would sell for – and it doesn’t matter if you are talking about a Toyota, Honda, Ford, Chevrolet, Chrysler, Dodge, or any other dealership. At any given time one franchise might be considered more or less desirable than another, but they are all valued in the same manner.

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