3 Myths About Car Insurance: Debunked!

Posted by on Aug 7, 2015 in Finances | 0 comments

When getting car insurance, there are a lot of facts that often get tossed around whenever debating about whether or not you should get insurance in the first place. Some facts may scare you off of it, some might get you to go way over budget on coverage that you may not need. Here are a few myths about car insurance, debunked for your benefit!

Myth 1: The color of your car matters? False.

Did you know that a majority of car colors were only created due to the rise of female drivers? While these are pretty dated facts, it was first noted that the various colors were offered merely to provide a more vain option for pickier people and, back in the day, some women were more prone to pick based on look and color while men were more knowledgeable with what went on under the hood. While insurance companies really couldn’t give a hoot on whether or not your car is in the color of the blood of angry men, they do care about the kind of car you have as most policies will show that sports cars tend to have higher rates than, say, sedans do.

Myth 2: My lifestyle can determine my rate? True.

Since quite a lot of coverage policies do have certain specifications for possible circumstances, not everyone has the same kind of rate and policy. If you are a younger driver or one with less experience then, chances are, you would have a higher rate. Some companies also give higher rates to men rather than women.

Myth 3: I don’t need car insurance? False.

There are some people who can get away without car insurance; surely I could too, right? Wrong. While most times it is a legal requirement for people to make sure that their vehicles are insured, it is also the most recommended move for you to make. From information taken from the website of Insure on the Spot (IOTS), you could be the best and most law-abiding driver on the road and still need insurance because not everyone on the road will make the same safe decisions that you do.

Insurance is necessary as an investment for both your property and for yourself as your own health insurance may not suffice in the event of motor vehicle accident.

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Three Kinds of Mesothelioma

Posted by on Apr 6, 2015 in Medical Issues | 0 comments

Asbestos used to be one of the most dependable materials used for construction due to its durability and ability to withstand heat and fire. In its more solidified form, asbestos is not quite dangerous – it is only when it is broken up into particles and inhaled that it can become dangerous. There are many negative consequences that come with exposure to asbestos but there is none quite as lethal as that of mesothelioma, a kind of rare cancer that can take years to form before it is detectable.

There are three different kinds of mesothelioma. The first is Pleural Mesothelioma; this is the most common of the three and it is when the cancer lines the victim’s pleura, or the protective lining of the lungs. The second is a bit more unusual and it is that when the mesothelioma affects the abdominal cavity; this one is called Peritoneal Mesothelioma. The rarest of the three is the one where the cancer attacks the membrane surrounding the heart and this is called Pericardial Mesothelioma.

The thing about this kind of cancer is that it can take years before symptoms can actually start to show up and it can be too late before it is actually detected. The earlier that it is detected, the slower that the cancer’s progression can take place. There is no cure for mesothelioma and the medical expenses that it takes to treat this particular disease can be extremely stressful to deal with.

That is why, should you have been exposed to asbestos, it is important to get yourself checked with any of the diseases that might result from the exposure. The help of mesothelioma lawyers can allow for you to gain compensation for the expenses that this kind of experience can cost – as it will not just cost you more than just medical expenses.

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Stroke: One of the Possible Consequences of Wrong Diagnosis

Posted by on Feb 19, 2015 in Medical Issues | 0 comments

During consultation visits with a doctor, the questions of a walk-in patient usually center only on what their illness is and how frequently they should take the prescribed medicine; others go further and ask for an alternative diet, one that would keep them healthy and in good shape.

It is natural for patients to fully trust doctors; they are the experts, anyway, when it comes to health. The website of Ausband Law, says that, sadly, one reality is that even the best doctors can commit mistakes. In fact, more than a quarter of a million people die every year due to medical mistakes, making this the third most common cause of death in the US.

Wrong diagnosis is among the many different results of medical mistake or medical malpractice. Error in diagnosing a patient’s real condition is due to failure in detecting the warning signs of a real and more severe health condition, like one that can lead to a stroke.

Stroke, which is also known as Cerebral Vascular Accident (CVA), is due to a pause in the flow of blood to any area of the brain. This could be because of a blood clot in the blood vessels or a clot in the Cholesterol plaque. Before a major or large stroke, a patient usually suffers a Transient Ischemic Attack (TIA) first. TIA is what medical professionals identify as a warning or mini stroke; it usually last for only about 20 minutes, as the flow of blood usually resumes afterwards.

A stroke is definitely preventable, but only if its symptoms are detected early and correctly so that the patient can be given proper medication and advise on how to avoid it. Failure to diagnose it and render proper treatment, however, can easily result to paralysis or patient’s death. In fact, according to the American Stroke Association, more than 500,000 individuals suffer a stroke every year. From the total, about 200,000 end up disabled, while the many more others end up dead.

Determining the symptoms of stroke, though, can be difficult due to the symptoms’ resemblance with other serious health conditions, like severe migraine attack or diabetic hypoglycemia. The presence of other warning signs, though, like unexplained severe headaches, dizziness, loss of coordination or balance, difficulty in understanding or speaking, difficulty in walking and in seeing either from one or both eyes, and weakness or numbness on only one side of the body, may be interpreted as signs of stroke; but to be more certain, requiring the patient to undergo more tests may be called for. These symptoms, especially TIA, should never be taken lightly. On the contrary, patients displaying these symptoms should be given emergency care.

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Truck Accidents: The Liability of Trucking Companies

Posted by on Jan 19, 2015 in Automotive Dangers | 0 comments

There are a lot of risks when driving – and infinitely more when driving an eighteen-wheeler truck. A truck that size can easily amount to almost a hundred thousand pounds – and that almost a hundred thousand pounds of solid, possibly hazardous parts, moving at several miles an hour on a possibly full interstate or road or highway – and these vehicles need to be taken care of and properly maintained because just a little bit of negligence can mean a lot of heartache for a lot of people.

According to the website of the Houston 18-wheeler accident attorneys with Williams Kherkher, it is the responsibility of trucking companies to make sure that their drivers and trucks are well cared for. This includes upholding the laws that are mandated about vehicles of this size and proportion such as the fact that truck drivers are only allowed to drive 14 consecutive hours. These hours need to be properly maintained in order to ensure that the person behind the wheel is alert and fit enough to handle such a large but delicate piece of equipment. Trucking companies are also liable for the people they hire to handle their trucks and so sufficient testing and background checks fall into their jurisdiction, as a part of their area of responsibility. Failure to submit to these standards, as set about by federal law, is subject to legal punishment. Truck accidents that are a result of negligence from the employers are liable under criminal law as well as civil law.

The aftermath of any car accident is hardly easy for anyone – the consequences of eighteen-wheeler truck accidents are so much more devastating to the victims. There are the medical expenses to worry about as well as the loss of income that comes as a result of having to recover from what is, undoubtedly, a traumatic experience for everyone involved.

If you or your loved one has fallen victim to a truck accident, it is advisable for you to seek legal aid immediately in order to receive just compensation for the damages dealt upon you.

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Chapter 11 Bankruptcy: A New Chance for Businesses at Achieving Profitability

Posted by on Oct 26, 2014 in Finances | 1 comment

Insolvency puts the existence of any business firm at risk and no firm will definitely want to end up losing more money than gaining profits. But when debts reach an amount which a firm can no longer pay, then the firm will have to find a way immediately to save itself and not cease operations.

In his law firm’s website, Ryan Ruehle states that there are actually numerous legal options that individuals and businesses can pursue to get out of debt and regain solid financial footing; one of these is bankruptcy.

The US Bankruptcy Code actually offers people and companies several paths which will help them rise up from a debt crisis. These paths are contained in various chapters of the Code and each chapter is specifically calculated to address the unique tight spot the debtor is suffering from.

Concerning businesses particularly, there are three bankruptcy options these can choose from:

  • Chapter 7, which is a liquidation bankruptcy that requires the business’ operation to stop and all its available assets, sold (by a court-appointed trustee), with the earnings from the sale distributed to creditors.
  • Chapter 13, which is reorganization or restructuring bankruptcy designed for sole proprietorship business structures (this bankruptcy chapter may be filed by individuals with an unsecured debt that is less than $383,175, or secured debt below $1,149,525. These are the present limits set by the federal government, which has complete jurisdiction over bankruptcy matters). In this chapter, the court will require the restructuring of the debt payment scheme, from three to five years – after which all debts should already have been fully paid.
  • Chapter 11, which is actually the most expensive, time-consuming, complex and riskiest bankruptcy chapter, but also the only option for sole proprietors, whose debts exceed the limit set in Chapter 13, as well as for small businesses structured as corporations, limited liability companies or partnerships which owe overwhelming debts but would not want to cease operations (giant corporations, like United Airlines, K-Mart and General Motors have also sought protection under this chapter).

Chapter 11 allows debtors to restructure their finances through a bankruptcy court-approved reorganization plan. This restructuring is specifically intended to keep the business alive and operational (but under the court’s close monitoring), pay creditors and regain profitability. Debtors, however, also have the option of selling a few or all of their assets to downsize their business, if they need to, or to be able to pay some of their debts.

Once Chapter 11 bankruptcy has been filed by a debtor (whether an individual or a business firm), an automatic stay of outstanding debts is provided by the law. The stay will prohibit creditors from making actions, such as collection attempts, foreclosures or repossession of the debtor’s property. The bankruptcy law, however, can prove to be too complex to many debtors; thus, seeking the assistance of an exceptionally competent bankruptcy lawyer will definitely be in their best interest.

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Gaming Laptops for 2014

Posted by on May 10, 2014 in Games | 1 comment

It is only in recent times that gamers have considered using laptops to play their…well, games. Laptops are designed primarily for mobility, not power, and a true gamer needs epic hardware to keep the game going smoothly. That kind of power used to be associated with desktop computers, and later gaming consoles.

But gamers today are a far cry from the stereotypical geeks who hardly left their rooms and when they did looked like candidates for a zombie apocalypse (although there are some that still are). Gamers are generally hip and happening, and they want to be just as mobile as anyone else. And so the demand for more powerful laptops grew.

Today, there are a few brands competing for custom from gamers by stacking on the goodies for a truly epic gaming experience on the go. But because the requirements are pretty steep, so are the prices. A true gamer can expect to spend upwards of $1,000 for an entry level gaming laptop and more than thrice that for advanced gaming models.

At a minimum, today’s best games require a processor that is at least the speed of an Intel Core i5, and since it is largely a visual medium, a kickass graphics processor such as an AMD Radeon HD 8870M or Nvidia GeForce GTX 780M. Anything over that is gravy, but the more bells and whistles, the better.

Among the top of the class in 2014 are Alienware 18, Origin EON17-SLX, CyberPower FangBook X7-200, MSI GX60 1AC-021US, and MSI GX70 3Be-007US. Check out the specifics and decide what you need. Woot!

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Issues in International Divorce

Posted by on Apr 3, 2014 in Divorce Topics | 0 comments

Divorce is difficult enough when the spouses are citizens of the same country. Even if they are both Americans, each state has different laws that can significantly affect the terms of the final decree. Throw into the mix the laws of a different country, and you have a recipe for complexity that even an experienced divorce lawyer would have a hard time unraveling. Issues in international divorce should really be handled by lawyers who specialize in it.

It is quite common nowadays to have married couples who are from different countries, or American couples who are married outside the US. Unfortunately, this increase in interracial and international marriages is matched by an increase in divorce rates. However, the dissolution of a marriage that was not legalized in the US or in cases where one or both spouses are from different countries, unique issues come up that may impact on the major aspects of divorce: property division, child custody, and financial support.

Property division in international divorces may include assets that are outside the country which would be outside the jurisdiction of an American court. Moreover, it is much easier to conceal assets which cannot be easily traced, which can prolong the process of discovery, and chances are any assets that were never documented in the US will never be traced.

In the case of child custody, many problems can arise if the primary caregiver parent wants to relocate outside the US and bring the children. Depending on the circumstances, determining what is in the best interests of the child may not be so easy. In general, the loss of association with one parent can be highly detrimental; on the other hand, refusing to grant the request of the petitioning parent can foster resentment or other negative emotions, which can also affect the child.

In the case of financial support, it is a matter of enforcement that presents the most difficulty. If either spouse moves away from American jurisdiction, it can be very difficult if not impossible for the obligee to compel the obligor court-ordered child and spousal support.

When considering an international divorce, keep in mind that there are a number of legal issues that a regular divorce attorney will not be able to address. Find a law firm that specializes in international divorce to make the process go as smoothly as possible.

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