DUI/DWI laws

November 2010

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All 50 states and the District of Columbia have per se laws defining it as a crime to drive with a blood alcohol concentration (BAC) at or above a proscribed level, currently 0.08 percent (0.08 g alcohol per 100 ml blood).

License suspension or revocation traditionally follows conviction for alcohol-impaired driving. Under a procedure called administrative license suspension, licenses are taken before conviction when a driver fails or refuses to take a chemical test. Because administrative license suspension laws are independent of criminal procedures and are invoked right after arrest, they've been found to be more effective than traditional post-conviction sanctions. Administrative license suspension laws are in place in 41 states and the District of Columbia.

More than half of all U.S. states require DUI offenders to install ignition interlocks on their vehicles in order to drive during a license suspension and/or require interlocks for specified time periods before fully relicensing offenders. These interlock devices analyze a driver’s breath and disable the ignition if the driver has been drinking. In 13 states (Alaska, Arizona, Arkansas, Colorado, Hawaii, Illinois, Louisiana, Nebraska, New Mexico, New York, Oregon, Utah, and Washington), such a restriction is applied to all offenders, including first time offenders. California applies a similar restriction to all offenders, but only in 4 counties. An additional 9 states apply the restriction to all offenders with high BACs (usually 0.15 percent or higher) and to repeat offenders, and 6 states apply the restriction only to repeat offenders.

Laws in the remaining states do not require interlocks at all, though courts or DMVs in 18 states and the District of Columbia have the discretion to apply interlock requirements. Only 3 states (Alabama, South Dakota, and Vermont) have no interlock laws.

Criminal Law Attorneys

Maryland - Criminal Law Attorneys

Houlon, Berman, Bergman, Finci, Levenstein & Skok, LLC

Greenbelt, Maryland

Divorce Lawyers in Greenbelt, Maryland

Houlon, Berman, Bergman, Finci, Levenstein & Skok, LLC provides thorough and effective legal representation and personalized service in the areas Criminal Law, Personal Injury, Family Law, and Business & Civil Litigation. Our highly skilled attorneys offer comprehensive, effective legal services...

Rules of Trading

Know the Rules!
Know the Stakes!
Know when to Quit!
Trading for a living is really a unique career and that too currencies. The markets and there by opportunities are always there to make money. If you are here looking for consistent results in your trading, then you are in the right place.

I am not offering you any Get rich quick schemes or the Holy Grail or a 100% success rate trading system, they just don’t exist so STOP looking. The only thing that you need to do is trade without expectations of a big pay day, just focus on cash flow , keep your losses minimal and the odds in every trade in your favor , you will end up with more money in your account and lot of freedom . Seeing is believing, or more accurately “Doing” is believing and only way you will know is playing the game. Know the Rules, Know the stakes and Know when to quit. Follow the guidelines and rules. Trading is a Marathon not a Sprint!

Money management principles, Patience and Discipline are the 3 fundamentals to making a living in a financial trading market. I know it has been written by so many but theory is different from applying those practically. That is what i am going to walk you through day in and day out for Four weeks and there will not be anything sweeter than making money effortlessly. Service is free so sign up!

You Can Do Forex with this Easy Forex Trading Training Course

Think making a living with Forex impossible? Well, think again. It is POSSIBLE to make a great living from home with this easy Forex trading training course using simple, easy to follow rules that everyone can understand.

Take electricity as an example. You don’t have to know anything about electricity to flick a light switch and see the light come on. Likewise, you do not need to know everything about Forex in order to generate great money.

The secret of stress-free Forex trading is learning to take small steps at a time. If you take small amount of risk free trading three or four mornings a week, is far better than sitting at the computer all day long, yo-yoing up and down in ‘gambling mode’.

Earning great money need NOT be a gamble in Forex. With proper Forex trading training and a good Forex strategy - it’s possible in a few short hours every week, to make a better salary than your day job could offer.

The secret of stable financial security through forex is what Einstein called ‘the ninth wonder of the world’, compounding. Sure, there is a learning period, and simple rules that have to be absorbed and practiced until perfect. But this process of learning is carried out totally risk free with pretend money in something called a ‘demo’ account.

Most people do not realize this process and allow the thought of ‘Get Rich Quick’ to overcome the good business planning and common sense that ought to go with any new financial venture. All that glitters is not gold and unfortunately, ‘Get Rich Quick’ schemes are often advertised freely on the internet and it’s definitely a case of buyer beware.

Be wary of those hype that is so common wherever the sharks sense that there are people with money to invest. There is no substitute for good, honest forex trading training, period.

With proper Forex training in place, you only need to follow few simple, but strict rules .

• Only trade a maximum of 5% of capital in any one day.

• Wait for the correct criteria - better to preserve capital than risk it.

• Be prepared to exit immediately if in any doubt. Minimised, tiny negatives are easy to recover from.

• Cut out greed and close the trade and the trading station as soon as target is met.

Just a few ‘pips’ a day, a few days a week can compound into serious money by anyone’s standards. Forex, if done right, can be a complete change of lifestyle for very ordinary people. All you needed is a PC and the right motivation and a good forex trading training course.

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SBA, CDC Small Business Finance Piggyback on Green Movement

By MIKE ALLEN

San Diego Business Journal Staff

The U.S. Small Business Administration and CDC Small Business Finance, its local partner lender for commercial property loans, are jumping on the “green” bandwagon by doubling the maximum lending amounts for those mortgages that benefit the environment.

The new program, Green 504 (referring to the SBA’s 504 commercial property loans), doubles the ceiling to $4 million from $2 million for projects that reduce energy consumption or generate renewable fuels.

CDC loan officer Ken Rosenthal said businesses can qualify by either cutting energy uses 10 percent or producing energy through renewable sources such as solar, wind and hydropower.

“The easiest way to qualify is for a business to add solar panels,” Rosenthal said.

The 504 program has been a popular financing tool for buying buildings in which the businesses are housed. The bank provides half the loan, while SBA provides 40 percent and the owner 10 percent.

Manufacturers can also obtain $4 million in SBA financing without connections to green projects, Rosenthal said.

Like most others in the finance industry, CDC Small Business Finance has seen a big drop in demand in the past quarter or so.

According to an SBA report for the five months ending Jan. 31, CDC made 24 loans for $16 million, second highest in the region in number of loans. But that’s half the volume for the same period a year earlier, Rosenthal said.

“We’re off by 50 percent and the reason for it is purely based on the lack of buyers,” he said. “People are on the sidelines, waiting to jump in.”

The latest SBA report shows the No. 1 lender was Wells Fargo Bank, with 33 loans in the 7(a) program for $10 million. U.S. Bank and Borrego Springs Bank were tied for third place with 10 loans.

Tips to Increase Profits with Forex Trading

With so many people giving advice on how to be successful in the long term there are not many people giving information on how to quickly increase profits with forex trading. In order to continue forex trading you need to make some good money, in order to do this, you need to follow some easy to handle tips. These are all intended to help you really maximize your profits. Designed to be easy to use, these tips are useful for the beginner and the advanced forex trader.

You should consider increasing your trade amounts if you are only working with small amounts. Most experts agree that 2-3% is the most you should ever trade at once from your trade account, but really, what type of return is this? The return is great if you have a very large account but what happens if you only have a few thousand in there? Most people see back barely anything after expenses are paid and that’s a lot of trouble and hassle. For the smaller transactions, you must go to the time and effort to create the order and then watch until it is time to quickly pull out. With larger amounts, you can leave it a bit longer if necessary and often make significantly more money when trading forex.

One of the best ways to increase your profits is to take the time to find out when the markets will open for currency pairs. There is going to be a small time frame in which the market is open for both and you are able to see the highest volume of transactions occuring. This will typically allow you the biggest profits because of the increased activity. Take the time to carefully consider the timeframe in which all of the markets are open which will allow you to know exactly when you need to handle all of your transactions. You should always trade a specified currency pair at the same time every day

Pull out all of the research that you can find. This includes a weekly chart as well for the currencies that you are trading in. This chart will help you to determine exactly when to buy, and when to sell. Without this chart, you are essentially trading blind. You should also know that it is very important to review longer charts as well if you cannot detect a pattern in the weekly chart. You need to be positively certain about what you are doing, and how you are going to handle issues.

It is also a good idea to decide upon a minimum amount of money that you want to earn each year from trading the Forex market. Having this in mind will allow you to quickly determine how well you are doing for the long haul. You might make some of your goals and you might well miss others, this is normal and happens a lot. It is however important to ensure that you are trying to increase your success and working towards your minimal goal every time you make a transaction. Without this goal, you are going to have some huge issues trying to make things work out.

It is recommended that a beginner forex trader should at least first take a forex trading course to understand the market thoroughly. It is also recommended that a beginner should first observe how a seasoned forex trader does their deals. By doing this they will know how to buy and sell currencies at the right time.

If you have little knowledge about foreign exchange trading, you can always hire a Forex broker. A forex broker advises you about the foreign exchange market and can help you make decisions regarding the different forex market trends. Using Forex brokers can be very beneficial for first-time forex trader or beginners.

Avoid trading often with tiny profit targets and tight stops. To be successful in this market you should not just think of tiny profits, most beginner traders often have fears of losing money, therefore, only targets small profits.

Always have a trading plan. You might think that making money is the plan. But, there is more to it than just making money. You should know what strategy to use in a particular day and particular currency pairs to choose. With no trading plan, your trades will be unfocused and directionless. Make a trading plan with goals and strategy, and be sure you follow them.

Don’t be over confident, this will spell disaster in your trade. Keep the trade simple, and not overly complicated. Keep your trades manageable. Trade only a few currency pair that you can manage.

Often, beginners tend to acquire large amounts of trade thinking that they can make more money out of it. The result: unmanageable trade and often loses.

Do not be emotionally affected by losing. Take loss as an advantage and a learning experience. Analyze what mistakes you made, accept them and learn from them, find out how you can manage them. By doing this, you'll have more knowledge about the market and not often make mistakes again. Remember that the forex market is very unpredictable and loses are expected. Be professional.

If the trade forecast is wrong, stop trading immediately and analyze again. Also stop your losses and do not increase trading.

Don’t rely heavily on trading computer software that predicts the outcome of the trade. Remember that forex trading is often unpredictable and relying heavily on these machines can make you miss a good trade. Use these machines as a guide.

Never make a trade without research. If you are a new investor, this is extremely important because it will help you to learn the market. If you are a seasoned investor it will help you to keep from becoming overconfident. Decisions in the market should never be made unless you are basing them on actual proper research. Taking a couple of minutes for some quick research is not that difficult.

Demo trading or simulated trading is a great way to learn forex trading, but, it can also develop bad habits for traders. Because simulation lets you deal with simulated money, there is no risk, therefore it makes forex trading easy. This can develop to bad habits by not caring about losing real money and also develops over confidence. Keep in mind that your greatest teacher is your experience.

Trade in real markets that deal with real money to get the real feel on winning money or losing it. When you are trading for the first time with real money it is ideal to begin with a mini forex account.

Some small trading tips like this can help you to really focus your investing efforts in forex. Simply jumping into investing without a plan or agenda might be possible but the results will just not be the same. Trying to actually match the goal that you set for yourself helps to give you ample encouragement to reach further than you have previously. Each time you do make your goal you increase your profits which only makes you more money when trading forex.

A few minutes following each tip when you first start trading will save a lot of hassle. You are more likely to improve your experience and find success by following these simple forex trading tips...

Forex Trading Tips

The failure to accept and take losses is the most frequent mistake by currency traders. Traders must accept the fact that losses are a permanent part of their trading existence. Taking controllable losses are just part of trading but most struggling traders spend their entire trading career to run away from losses, it’s hard for them to accept they can be wrong.

Taking a loss does not always mean you were wrong in your trading decision but it can tell that your timing in entering the market was perhaps incorrect. Sometimes, it is better to close the trade for a loss and to re-enter the market at better prices.

Successful currency trading is determined by how well we can manage our losing trades and not how well we can avoid them. Keeping your losses under control is the key to become a master in trading!

Tips on How to Eliminate the Sin of Failing to Cut Losses Short:

1. Never place a trade without first determining where you will close the trade if things go the wrong direction - Never place a trade without a predefined stop loss order, taking a trade without a stop is like racing down a steep hill at top speed without any brakes.

2. Always adhere to your predetermined stop loss order - Never move your predefined stop loss further away from the market in the hope your losing position will reverse, doing this will often lead to much bigger losses or you can get stuck in an open trade for unknown period of time. Your stop loss is there to minimize your losses, if you continue to move it away from the market price you will lose more money for sure in the end.

3. You cannot afford to win if you cannot afford to lose - Losses are a permanent part of trading existence, if you are not in a position to accept losses, either emotionally or financially, you have no business currency trading. Becoming disciplined enough to cut your losses takes time but it is the key to become a master in forex trading and remember, “you should not invest money that you cannot afford to lose.