Leather Office Chairs For Your Comfort

Leather is a luxurious fabric that is found in many products, including clothing, shoes, travel accessories and even furniture. Office chairs are among the most popular leather furniture products in existence. They are commonly found in the home d?cor section of a local retail store, online at many office supply websites and at nearly every furniture store in existence. For the bargain shoppers, quality discount leather office chairs can possibly be purchased from an office that is undergoing remodeling. If the staff is purchasing new furniture, they may be willing to sell their used furniture at a bargain price.

For all of those long hours at the desk, whether it be at an actual office or perhaps a work at home setting, leather office chairs are among the most popular furniture for those who spend a lot of time at their desk. Punching numbers, typing memos and answering telephones can be exhausting, so it?s nice to have comfort whenever possible. During the selection process, it?s important that you try out the new chair before purchasing. Of course, this method only works if you are purchasing at a local store and not online. If purchasing through the internet or catalog, search for a quality brand name or a chair that offers a lot of amenities. If you cannot see the item in person, ask friends or co-workers for opinions on various brands and models.

There are a variety of models, prices and comfort options available with leather office chairs. They are generally lightweight, so they are easy to move from one place to another. In addition, many have rollers built into the legs so that the individual may move their chair while still seated with very little effort. If you?re at the desk working on the computer, but need to grab a file from the cabinet a few feet away, the chair?s rollers will provide for fast and efficient movement. Many chairs also adjust in height in order to accommodate a variety of individuals. A swivel base is common among office chairs due to the amount of varying movements that an office worker makes throughout the day.

Some leather office chairs are large, more permanently situated fixtures. An attorney or doctor is a typical location for these. These are heavy structures and are not typically found in a general office setting, although they are prominently found in the offices of company owners and management personnel.

Leather office chairs are available in a variety of colors, including the classic black. Leather, itself, is a strong material and is easy to clean. It resists stains well and is low maintenance. A damp cloth can often remove stains while leather repair kits make it simple to fix small tears.

A quality chair should provide the user with comfortable back support, cushioned seating and a relaxing arm rest. In addition, the individual seated in the chair should be able to rest their feet flat on the floor without having to slouch or stretch. A comfortable chair can make the difference between a normal day at the office and one filled with aches and pain.

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PMI - Private Mortgage Insurance

Most experts on the subject believe that the Social Security system will be bankrupt in about 15 years. However, some new studies have offered a ray of hope. They seem to indicate that the assumption that the boomer generation will retire at 65 or 67 and sit back to collect their social security checks is incorrect.

They believe a sufficient percentage - some estimates are as high as 80% - will continue to work in some capacity or another, relieving much of the pressure on the system.

This is probably the only ray of hope for many who have visited financial planners or bought personal finance software to see how much they need for retirement. These usually show you need a million or more dollars to retire with your current lifestyle. But again, they don't take continuing earnings into account.

Many in the baby boomer generation plan to retire at around 65, but then start a second career, doing something they enjoy. Most don't want to continue on in their present jobs or move to low paying work at fast food restaurants or supermarkets.

Rather they would rather make their accumulated knowledge work and, if possible, also give something back to society at the same time.

Health experts say this trend will be beneficial in that by staying involved, those past retirement age will stay healthier and will be happier with their life.

So it seems that several trends are converging. Those in their 60's, 70's and early eighties are healthier than ever. Because of their increased longevity and the shortfall in their retirement savings, they need to continue to earn. And many companies who once looked on older workers with distain, now seem to realize the value they can contribute to the company and to society in general.

There is speculation that colleges and universities may allow retirees to earn fast track degrees, taking into account their prior education and work experience. Also some states are already loosening license requirements for teachers to allow those with degrees in fields other than education to become teachers with little if any further training.

Another way to continue to earn in retirement is by making wise investment choices now.

Buy rental properties, learn how to manage money effectively or start your own business now in your part time so that you have something up and running by the time you retire.

The internet has opened up new ways to earn, be it drop shipping, affiliate marketing or selling goods on eBay.

If you always wanted to be an author or if you can write software programs, it is simple to self publish and sell electronic goods through services such as Clickbank.

Or you could just do something you've always wanted, like baking breading or making shoes. If you're good at whatever you choose, you should have little trouble finding a clientele.

But if you are depressed because you have to continue to work after 65, don't. You'll have a lot of company and you'll will also be healthier and happier for it

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Patents, Trademarks, Copyrights--What's the Difference?

Patents

A patent protects inventions through federal law. Inventions are your creative ideas for new products (articles of manufacture), machines, processes, methods, compositions of matter, ornamentation on products, or new plants. An improvement on an existing product may also be patented.

Utility patents protect the majority of these. To be patentable, your invention must be useful, novel and non-obvious. Design patents protect the ornamentation on devices. Plant patents protect new plant varieties.

Utility patents give you a monopoly (no one else can make, use, sell, offer for sale, or import your invention) for twenty years from the date of filing.

Design patents give you a monopoly for fourteen years from the date of issue, and prevent others from making the patented device with your ornamentation on them. (By way of example, a table is a useful device. If you could obtain a utility patent on a table with a flat surface and four legs, you could stop anyone from making such a table. If your table had an unusual ornamental shape or surface pattern, you would be able to prevent others from making tables with that shape or surface pattern.)

Plant patents last for twenty years from the filing date of the patent application.

Infringement of your patent allows you to potentially obtain treble damages plus attorney fees.

Trademarks

Trademarks (or service marks for services) protect names, logos, slogans, and the like through both federal and state laws. Your name, logo or slogan identifies you to your prospective customers as the source of the goods and services that you are offering, and thus constitutes a trademark.

There are both federal trademarks and state trademarks. There are also common law trademarks that are not registered at either the federal or state level. Federal trademark applications can be filed even before you are using the trademark name, logo or slogan to reserve your trademark.

Other than common law trademarks, federal and state trademarks must periodically be renewed. Federal trademarks must be renewed every ten years. If you no longer use the trademark, you lose your rights. Otherwise, so long as you continuously use and/or renew the mark, you will continue to have rights forever.

Infringement of your trademark allows you to potentially obtain treble damages and attorney fees.

Copyrights

Copyright protects your creative artistic expression, but only once it is set into a tangible form. For instance, you create and sing a song. There is no copyright unless the song is recorded or written, because there is no tangible representation of your artistic expression. However, once you write, record, photograph, draw, or otherwise create a tangible record of your artistic expression, you automatically have copyright. That is, you are the only one who has the right to make or sell copies.

Ideas cannot be copyrighted. They may only be patented. Examples of copyrightable materials are written words, such as in books, magazines, poems, songs; written music; performances of music; paintings and drawings; photographs, videos, architectural plans, website content and layouts, and computer software.

Copyright lasts for 70 years plus the life of the creator (or last to die for multiple authors) for new works under current law. If the work is made for hire, then the term is the shorter of 95 years from publication or 120 years from creation.

Federal laws provide you with the right to enforce your copyright, but only once it is registered. There is the possibility of obtaining statutory damages of up to $150,000.00, plus the possibility of being awarded attorney fees. Thus, it is very important to register your copyright as soon as practicable.

Other

Finally, trade secret protection is another means of providing protection to ideas. However, the key word here is secret. Let someone who has no need to know in on the secret and it is no longer protected. Trade secrets are most suitable to keep secret formulas or processes protected.

For more information, please visit http://www.trwiplaw.com.

C2006, Williamson Intellectual Property Law, LLC; all rights reserved, world-wide.
This article, and/or the reading thereof, shall not be construed as offering, containing or receiving of legal advice, and shall not create any attorney-client relationship or privilege. If you are considering protecting your intellectual property, you should consult with an attorney of your choice.

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Something Different - Business Quotes

No doubt you've collected memorable quotes from your job or business. Here are some of the memorable things people have said to me since I started my business in 1992. And, yes, all of the quotes are true.

"Paying these royalties is a real hassle."

> Comment: You can't judge a book publisher by the cover.

"I know that you're a much better speaker, and that your content is better, your materials are better, and even your fee is lower, but I decided to use a seminar company from out of state because my boss will approve it without asking any questions."

> Comment: That explains why sometimes you find yourself in a really terrible seminar.

"I save all the invoices in a drawer and every four months or so I go through the stack and approve them."

> Comment: I bet she would go ballistic if her paycheck were ten minutes late.

"Okay, in your case we'll make an exception and pay you on time."

> Comment: Here's another person who fails to understand how business works.

"Instead of hiring a speaker we decided to spend our money on an ice sculpture."

> Comment: I suppose it's more important to watch ice melt than learn something.

"I want you to send me a proposal with complete descriptions of all of your workshops, a resume, your client list for the past five years, a dozen testimonial letters, and a fee schedule. I've got 21 proposals so far and I want to collect 25."

> Comment: If I were this man's boss, I'd fire him for being a public nuisance. (And I did not submit a proposal.)

"If she had wanted to act on your proposal, she would have returned your calls. Duh!"

> Comment: Every vendor is also a customer, and in this case I responded to their rudeness by transferring my phone service to another company. Cost to them: over $1,200 per year.

"What do you charge to speak for 54 minutes?"

> Comment: The same that I charge for 55 minutes. And 53 minutes.

"Now that we have your workbook, we'll use one of our staff to conduct the workshop."

> Comment: Let me know when you start so I can call my attorney.

"You asked too many questions. You're not supposed to figure out that this is illegal."

> Comment: We never ask too many questions. (And I only work with ethical companies.)

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Law And Order Svu (DVD) Review

Nominated for 7 Emmys in its first five seasons, Law & Order SVU (Special Victims Unit) continues the success of NBC's blockbuster Law & Order franchise. The brainchild of Law & Order creator Dick Wolf (former writer for hit TV shows such as Hill Street Blues and Miami Vice), Law & Order SVU is filmed on location in New York City. It follows the traditional half-police drama/half-courtroom drama format that made its forerunner a smashing success, yet SVU focuses exclusively on sexually based offenses?

Law & Order SVU tells the story of a group of dedicated detectives who work for the elite group known as the Special Victims Unit. Capt. Donald Cragen (Dann Florek) heads up the unit which includes four regular detectives - Elliot Stabler (Christopher Meloni), Olivia Benson (Mariska Hargitay), John Munch (Richard Belzer), and Odafin Tutuola (Ice-T). While investigating rapes, murders, and other vicious crimes, the detectives often consult with police psychologist Dr. George Huang (B.D. Wong) who provides special insight into the minds of suspected predators. Once the detectives gather the necessary evidence, they turn their case over to Assistant District Attorney Casey Novak (Diane Neal) who brokers deals and prosecutes the cases that put these nefarious criminals behind bars?

The Law & Order SVU DVD features a number of dramatic episodes including the series premiere "Payback" in which a cab driver is discovered stabbed to death with his genitals cut off. When detectives Stabler and Benson investigate, they find out that the man is a former soldier from the Serbo-Croatian conflict and that he was a rapist. Benson, a child of rape, is sympathetic to the actions of rape victims, and Stabler must keep her from crossing the line to protect the probable suspects? Other notable episodes from Season 1 include "Sophomore Jinx" in which a female college student's murder investigation is obstructed by the college when the SVU suspects a member(s) of the school basketball team, and "The Third Guy" in which an elderly woman is tied up and raped in her apartment, but the investigation takes a unique twist when the initial suspects are cleared and a new perpetrator enters the picture?

Below is a list of episodes included on the Law & Order SVU (Season 1) DVD:

Episode 1 (Payback) Air Date: 09-20-1999
Episode 2 (A Single Life) Air Date: 09-27-1999
Episode 3 (?Or Just Look Like One) Air Date: 10-04-1999
Episode 4 (Hysteria) Air Date: 10-11-1999
Episode 5 (Wanderlust) Air Date: 10-18-1999
Episode 6 (Sophomore Jinx) Air Date: 10-25-1999
Episode 7 (Uncivilized) Air Date: 11-15-1999
Episode 8 (Stalked) Air Date: 11-22-1999
Episode 9 (Stocks & Bondage) Air Date: 11-29-1999
Episode 10 (Closure) Air Date: 01-07-2000
Episode 11 (Bad Blood) Air Date: 01-14-2000
Episode 12 (Russian Love Poem) Air Date: 01-21-2000
Episode 13 (Disrobed) Air Date: 02-04-2000
Episode 14 (Limitations) Air Date: 02-11-2000
Episode 15 (Entitled) Air Date: 02-18-2000
Episode 16 (The Third Guy) Air Date: 02-25-2000
Episode 17 (Misleader) Air Date: 03-31-2000
Episode 18 (Chat Room) Air Date: 04-14-2000
Episode 19 (Contact) Air Date: 04-28-2000
Episode 20 (Remorse) Air Date: 05-05-2000
Episode 21 (Nocturne) Air Date: 05-12-2000
Episode 22 (Slaves) Air Date: 05-21-2000

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Asset Protection and Estate Planning for All Ages

Denver, Colorado, Ronald E. Hudkins, U.S. Army, SFC, Military Police Corps. (Retired) and President of American Industry Maintenance (AIM), LLC at AssetProtectNow.com Addresses the importance of financial planning and securing your wealth building efforts.

If you think you know where you will be tomorrow, perhaps you should rethink the horrific consequences of that reasoning. We all die! Be it the result of age related natural causes or at the hand of some unforeseen disaster, your time is coming and fate most certainly will deal its hand.

The sad reality is that somewhere between 50 and 70 percent of Americans do not even leave a Simple Will. When it comes to a complete estate plan nearly 98% of use fail to reach all the legal requirements needed for our asset protection efforts to stand up in court.

While a simple will may sufficiently serve the estate planning needs of many people, estate planning is highly complex. You should always meet with a qualified legal advisor to be sure the estate plan you have in mind is in reality, consistent with your objectives.

When you approach an interview, it is with the intent to obtain perhaps the job of your dreams. You put your best foot forward. You go into the interview with the intention to be the best choice decision that company ever made. You accomplish every goal and learn every detail and requirement it takes to be promoted. You do what it takes to increase your worthiness, importance and retention. You do this for the sake of wealth building and future financial security.

The same priorities must be accomplished in your personal estate planning needs. When you take the time to prepare the legal documentation necessary to protect your assets and heirs, you are the one who stipulates how your property is distributed and who raises your minor children when you are gone. If you die intestate (without estate planning), the probate court intervenes and a judge (tasked to interpret the black and white letter of the law) decides how your assets are divided. And if you are a single parent of minor children, that same judge will decide with whom your children will live.

No one says that the legal process is not complex and ever changing. With wills alone there is the simple will, living will, testamentary trust will, pour-over will, last will and testament, etc. There are various trusts, proxy?s, vulnerable assets, long term health care initiatives, taxes, inheritance or probate advances, etc. to be considered essential to financial security and estate planning.

A point to acknowledge is you must not only recognize that estate planning although complex is also an ever changing (on-going) process. It requires periodic reviews based upon your changing goals and financial complexities. Because there are so many things relative to proper estate planning, it often involves the coordinated effort between qualified legal, tax, insurance and financial professionals.

Do not confuse the drafting of legal documentation with the development of an estate plan. You also must realize it is important to have everything accessible in one location.

Once you have your will, durable power of attorney, health care proxy and other legal documentation Additionally, you need other key data. This information includes at a minimum, Social Security numbers, financial account numbers, , health insurance, Logon/passwords for your computer, original marriage certificate, divorce decrees, military discharge paperwork, life insurance information, deeds and appraisals, beneficiary designation forms, auto and home insurance policies, a listing of important contacts with address and phone numbers, bank and safety deposit box locations, lawyer, doctor, accountant and other professional points of contact.

You need to decide how your beneficiaries will find your essential documents. Who will have access to these documents and when that access is permissible. You should consider storing this vital documentation securely in a place other than your home.

Asset protection and estate planning is a process of understanding your legal initiatives, alternatives and obligations. It is a process of accomplishing the needed tasks to protect your most important information that guides and protects your heirs. It is a process that needs acted upon immediately and demands periodic review and initiation of needed revisions.

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Terri Schiavo -- A Year Later

A year has passed since the death of Terri Schiavo, and we still find ourselves wrestling with the same uncomfortable questions the Schiavo case forced upon us - how should we make our wishes known for the end of life? How can we ensure that those wishes are honored? And who should speak for us when we can no longer speak for ourselves?

There's no doubt awareness about this issue has spiked considerably in the past year. A January 2006 survey by the Pew Research Center suggests more Americans are discussing and planning for end of life treatment. In too many cases, however, knowing is not acting. We're still reluctant to talk about death. And too many bureaucratic barriers remain.

That's why we're seeing a concerted effort by some legislators and policymakers to make it easier for people to make known their end of life wishes. At the federal level, a measure has been filed to pay physicians for an end-of-life consult. At the state level, new laws have been proposed establishing a registry for living wills and advance directives. Both efforts represent an effort to simplify the process and make it easier for people to make their end-of-life wishes known.

Other legislative movement on this front, though, is prompting concern. Some of this activity may be a well-meaning attempt to protect the vulnerable and disabled, but some state legislators are promoting measures that would ultimately restrict one's right to have end-of-life wishes respected. Certainly, we must do all we can to address concerns of the vulnerable and disabled; however, we should be careful to protect the long established right to choose and refuse treatment.

In any case, the Schiavo case prompted many of us to become even more reluctant to have these issues hashed out in the legislative arena. Most of us still want end-of-life decisions to remain private, between families and medical professionals, not lawmakers and bureaucrats.

To accomplish this, we must have a conversation with those we love and trust. Preferences must be written down and a person named to speak on our behalf through a durable power of attorney for healthcare. This document should be notarized and other family members and close friends made aware of these decisions.

While this may sound simple, we all know these discussions are not easy. In the end, if Terri Schiavo taught us anything, it is that sometimes the toughest conversations are the most important to have. She also taught us that the absence of such a conversation can produce a devastating family and legal conflict.

No one wants such chaos at the end of our lives. So make your preferences known, and identify someone to speak on your behalf. Consider it the last gift you give to your family - peace of mind.

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What You Need to Know About the New Bankruptcy Laws

While no one likes to think about the subject of bankruptcy, the fact is that more and more people these days are finding themselves contemplating filing bankruptcy. It is not hard to understand why bankruptcy filings are on the rise. The levels of debt are rising faster than are incomes, and more and more people are finding themselves at a loss and wondering what to do.

While bankruptcy can seem like the best way to get off to a clean start, it is important to thoroughly consider all other options before taking the serious step of filing bankruptcy. For one thing, a bankruptcy filing will follow you for years, and it may be difficult for those who have filed bankruptcy to obtain loans, lines of credit or mortgages until the bankruptcy is off their record.

Another reason to seriously consider alternatives to bankruptcy is the fact that the bankruptcy laws have recently changed. The bankruptcy filing system, and the rules associated with filing bankruptcy, have recently undergone a total overhaul, and this means that many debtors will be required to pay back a larger percentage of what they owe when filing bankruptcy.

The rules associated with bankruptcy are largely determined by the annual income of the bankruptcy filer. Those debtors whose incomes are higher than the average for their state may find themselves required to pay back more of the money they owe in a bankruptcy filing, so it is important for those in such a situation to consult with a qualified bankruptcy attorney before making a move.

Of course for many people filing bankruptcy is unavoidable, and for many people this last resort is truly a fresh start and a new lease on life. The key is to thoroughly research the bankruptcy laws for your state, and to thoroughly understand the rules that may apply to your situation. The bankruptcy laws vary quite a bit from state to state. In some states bankruptcy filers can keep a great deal of personal property and real estate, while in other states they are entitled to keep next to nothing. It is important to know where you stand before filing bankruptcy.

The purpose of these new bankruptcy laws, of course, is to cut down on past abuses of the system, and there is no doubt that these abuses have occurred from time to time. For honest people in debt, however, these laws may have some serious impacts. It is important for every consumer to become educated in just what these law changes will ultimately mean.

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Who really did say, "It Ain't Over 'til it's over"

If you pay it close attention, there's all kinds of ways to make a fortune in the business of sports. Here's a story about an idea a whole bunch of law firms must be wishing they had thought of first.

For roughly sixty percent of the take, Curtis Management Group of Indianapolis has built a booming business and reputation for success, negotiating contracts and developing the business interests of inactive star athletes. That in itself isn't unique, but their list of clients certainly is.

The majority of the inactive star athletes Curtis represent no longer play because they're dead!

It is long established that there's huge money to be made in appearance fees, licensing and endorsements by popular figures at the height of their careers. And, a ton of agents are waiting to pounce on the opportunity to do the marketing in an overly competitive field.

Back in the early 80's, Mark A. Roesler, a young Indiana attorney saw his unheard of niche.

Armed with a legal knowledge of the rights of estate, and an inventive mind, Roesler set out to build his business, first focusing on deceased entertainers. Not long into his new venture, he unearthed a wealth of interest and lots of earning potential in sports legends. Promoting and protecting their rights is the bulk of his business.

Roesler's list of clients under contract has grown to include some 80 deceased sports personalities; some of whom are earning the biggest paychecks of their er...lives. CMG's "who's who" stable includes the likes of Vince Lombardi, Johnny Unitas, Cy Young, Babe Ruth, and yes believe it.... Cigar.

Technologies such as realistic computer animation and super-imposed video imaging can bring sports legends of the past into the present to share the screen with live actors in modern day situations. The possibilities seem boundless and it all seems so natural.

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