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Am I Supposed to Get Car Insurance?

Posted by on Jul 31, 2015 in Law | 0 comments

The idea of protecting something that is precious to you is an instinct that is a tale as old as time. In fact, it is not exclusive to human beings alone as various species have an instinct of preservation for the things that they deem of value to them – their kin, their possessions, or their territory. The idea of protecting something that matters to you is something that has been around for a while and it has only been as of more recent years that more complicated measures of protection have been issued in order to deal with more complex situations.

Insurance is one of these complexities that have become necessary for the everyday human being. There are a number of different kinds of insurance – for your life, for your home, and for your car (just to name a few). However, some people think that getting insurance for your car is something that is not absolutely necessary and so it begs the question: am I supposed to get car insurance?

It is legally expected of you to have car insurance upon acquisition of your vehicle not just to protect your investment (which is the car), but also your most valuable asset: your life. People often take the idea of protecting your future self for granted for they think that as long as they obey the law and follow every regulation by the book then they are safe from anything possibly going wrong.

According to the website of the people with Insure on the Spot, a lot of the victims of car accidents are not people who are directly at fault for the situation that caused the accident. Sometimes, all it takes is a runaway branch from a tree that flew off due to inclement weather. This branch could crash through the windshield of your car and circumstances of this instance shouldn’t be a problem – if you had the right kind of insurance.

Really, getting insurance is your move that will protect both your future self and the future state of your present investment.

Can Asbestos Cause Mesothelioma?

Posted by on Apr 1, 2015 in Law | 0 comments

Cancer is one of the worst diseases that can happen to a person. The procedures are often complicated, stressful, and incredibly traumatic to go through. Some cancers are operable, however, and the patients who suffer through them can sometimes get out of treatments with no evidence of cancer (NEC). There are some cancers, however, that are quite rare and medical professionals all around the world have yet to find a cure for it. One such cancer is that of mesothelioma.

Mesothelioma is a rare form of cancer that can affect the pleura (the protective lining/membrane of the lungs), the abdominal cavity, or the membrane that surrounds the heart. There is no known cure for this cancer and yet there has been sufficient evidence that links this disease with exposure to asbestos. It does not take a lot – even one wrong breath can mean that the disease has already taken root in the body. However, it can take years for it to develop and for it to be detectable, which makes it quite difficult for the victim to file for financial compensation from when and where they were exposed to asbestos.

With the help of asbestos lawyers, a person diagnosed with this kind of cancer can find the most appropriate path to take and how to proceed. Due to its slow-acting nature, evidence can be quite difficult to gather – but that is why it is so important to contact a legal professional who has experience with dealing with this kind of cancer. If they have experience with how to deal with people who are in this situation, it can only make yours that much easier as they can help guide you through this darkness. They also have the best resources in order for you to get the most effective possible medical aid through this affliction.

It can be extremely difficult to deal with such a scenario but it is in your best interest to contact specialized help in order for you and your loved ones to be in as much comfort as possible throughout this ordeal.

The Dangers of Truck Accidents

Posted by on Jan 18, 2015 in Automotive Accidents, Law | 0 comments

The damage an eighteen-wheeler truck could do is incalculable. Imagine an interstate filled with hundreds of regular vehicles – and then the load from an eighty thousand pound, eighteen-wheeler truck rolling straight towards them. It is the image straight out of an action thriller – an emphasis on thriller, mind – and yet, sadly, it is more than possible to happen in real life. Art imitates life, after all. That is why there are several federal laws that come into play when truck accidents are involved and anyone liable for the accident can be held under criminal law as well as civil law.

When constructing an eighteen wheeler truck, the utmost care must be practiced in order to make sure that the vehicle is functioning as properly as possible, ensuring safe travels and transport. However, there are some instances when negligence from the manufacturer is the cause of the accident, leaving so many people and their families into one of the most tragic, unthinkable scenarios ever.

A Houston 18-wheeler accident lawyer from Williams Kherkher can cite that the most common types of malfunctions involving truck accidents that are reported are brake malfunctions, tire defects, insufficient underride protection, and trailer malfunction. When scenarios like this happen, it is no laughing matter – the way cartoons and other media may choose to portray it. The people involved don’t often come back the same and simply shake it off. There are some possibly perilous consequences to negligence of this nature.

Medical expenses alone are devastating enough as it is – especially since most Americans will find themselves in some kind of debt due to student loans, credit statements, mortgages, et cetera. There is also the matter of the insurance and repairs on the vehicles. There are lots of expenses that need to be accommodated for and as manufacturers of vehicles such as eighteen-wheeler trucks are usually well resourced with teams of lawyers backing them up — it can be quite the daunting task to press charges against them.

If you or someone you know has been the victim of a truck accident due to a defect within the truck, you are warranted to seek legal assistance in order to claim the justice that is so rightfully yours.

Safety Improvements Made to SUVs

Posted by on Oct 29, 2014 in Automotive Accidents | 0 comments

Despite the great number of rollover accidents and the damages and fatalities that resulted in such accidents, there are still no standards regarding rollover accidents and vehicle safety. Public educations programs can only rate the rollover propensity of a vehicle and it is not the same as the performance standards, which would require protection for the occupant of the vehicle in an event of a rollover.

Roof strength is a great factor in fatalities for rollover accidents. Despite having seatbelts on, if the roof collapses it can still injured or kill occupants inside the vehicle. A collapsed roof in an SUV rollover accident is said to contribute 600 fatalities and 900 injuries every year. Although the roof-crush regulation has been recently updated that changed the vehicle’s safety significantly, many safety advocates still believe more improvements can be done. Presently, many people believe that the safety standard fails in a number of ways, most importantly that safety belts in SUVs are not necessarily required to keep the occupants inside the vehicle while in a rollover, leaving the occupants at risks of being ejected out of the vehicle. Ejection out of a vehicle can result in serious injuries or even death.

Additionally, there are limitations to the new safety regulations, particularly when it comes to lawsuits. Under the new safety standard, occupants injured in a rollover accident do not have any legal claim against the manufacturers to make the roof stronger than what the current standard requires. This could lead to a great number of injury or insurance claims being dismissed without getting a trial. Since insurance companies are typically the ones who pay out in these circumstances (rather than the driver who caused the accident), if the insurer refuses to help, it can leave the victims in a bad place, according to

There are safety improvements that car manufacturers made to help protect occupants, such as the electronic stability system (which helps detect possible rollover incidents and prevents them automatically) and side-impact airbags, but they can only do so little. Having a stronger vehicle that can withstand a rollover accident is a better prevention than just added safety protections.

Need A Lawyer? Look Below For Excellent Advice!

Posted by on Aug 26, 2014 in Law | 0 comments

There are many reasons you may need to hire and work with a lawyer. No matter what the reason, there are some helpful tips you can use during your time with a law professional. The advice that follows will help you when you find yourself in need of a lawyer.

Ask for a free consultation. Many lawyers will offer a free consultation, so you can have your questions answered. During the consultation, you can also see if you are comfortable with that lawyer. Always go to more than one free consultation so you have a good mix of lawyers to choose from.

A good tip to remember if you’re thinking about hiring a lawyer is to take your time and make your search thorough. You shouldn’t impulsively hire a lawyer just because you need one right away. There are so many lawyers out there, that you need to be selective to get the best one for you.

A good tip if you’re thinking about hiring a lawyer, like the ones at the Abel Law Firm, is to listen to your gut when it comes down to whether or not you’re going to hire that person. Your lawyer is going to represent you in court, so if your lawyer seems unscrupulous, it’s going to fall back on you.

Do not hire a lawyer until you know more about their experience and their results. A young lawyer might be more affordable but you will definitely benefit from hiring a more experienced and more successful lawyer. If possible, try finding a lawyer who has positive experience with very similar cases.

As you can see, it’s not too hard to find and deal with a lawyer once you have more knowledge. The tips shared here are a good starting off point. Use what you learned and your time with a lawyer can be time well spent in order to win your case.

Success in Business is all in the Mind

Posted by on May 14, 2014 in Business Issues | 0 comments

There is a common belief that people who are “doers” are more successful in business because they get things done. Other terms used to refer to these active people are “movers” and “shakers.” This is undoubtedly true when you are referring to people who have a task to do.

But what if you need someone who thinks rather than acts?

People with big ideas are often decried as “dreamers” as if that was a dirty word, but other words that may apply included “visionary” and “creative.” It all depends on where these ideas lead, and what will be done to make it a reality.

Dreamers are an integral part of the business process at any stage of its development. New businesses cannot get off the ground without a good concept. Established businesses need to keep their product or service offerings consistent but also to offer something new on occasion to maintain and expand their market share. Sometimes, it is also necessary to be able to “think outside the box” to solve problems that appear to have no solutions.

Dreamers and doers are not mutually exclusive concepts; a successful entrepreneur needs to be both, especially when operating a small business. To paraphrase author T.E. Lawrence, people who are successful in business are those who dream with their eyes open.

Celexa and Its Side Effects: Are SSRIs for You?

Posted by on Apr 22, 2014 in Dangerous Medicine | 0 comments

Among the many types of antidepressants, Selective Serotonin Reuptake Inhibitors (SSIR’s) are the most commonly prescribed. They work by inhibiting the reuptake of serotonin into presynaptic cells, thus raising the serotonin levels in the synaptic cleft accessible for the postsynaptic receptors to bind. Because of the change in the balance of serotonin in the brain, the patient then experiences a boost in mood. SSRI’s generally affect the serotonin and not other neurotransmitters in the brain, which is the reason why it is called selective.

The Food and Drug Administration has approved various types of SSRI’s for treating depression, anxiety disorders, and certain personality disorders. These prescriptions can help manage and control symptoms of moderate to severe depression, are generally safe, and are less likely to cause side effects compared to other antidepressants. One of the popular SSRI’s in the market is Celexa, with the generic name of Citalopram.

Celexa (citalopram hydrobromide) is approved by the FDA for treatment of major depression, although it can also be given to patients with Obsessive Compulsive Disorders, panic and anxiety disorders, Posttraumatic Stress disorders, and even Premenstrual Dysphoric Disorder. It has been approved for use in 1998. Among the common (and mild) side effects of taking Celexa is having dry mouth, experiencing nausea, headaches, tremors, insomnia, excessive sweating, and vomiting, among others. Withdrawal symptoms can also happen to patients who have stopped taking Celexa.

Patients who are taking Celexa run the risk of developing serious side effects such as muscle stiffness/rigidity, overactive reflexes, high fever, tremors, and fast or uneven heartbeats. Doctors advise their patients to report adverse side effects such as hallucination, lower sexual drive or changes in sexual abilities, loss of coordination, black stools, and vomits that look like coffee grounds. If these side effects continue or worsen, inform your pharmacist or doctor immediately. Doctors also warn women who are pregnant (particularly those who are in their third trimester), planning to get pregnant, or are breastfeeding: taking Celexa can cause adverse effects and health complications to their infants.

H-1B Visa: A Stepping Stone to Having a Green Card

Posted by on Apr 11, 2014 in Immigration | 0 comments

With the high increase in the number of Asian-American and Hispanic voters, the need to address immigration reform in the US has become more necessary and urgent. Even studies from Compete America, Republicans for Immigration Reform and Partnership for a New American Economy showed that majority of Americans favored an immigration reform and hinted non-support to any political candidate who would oppose such reform.

Especially when it concerns the high-skilled arena, it is obvious that granting information-technology and other highly-skilled workers the green card, which will allow them to have permanent work and residence in the US, is a much needed move. Due to the difficulty in finding qualified U.S. workers to occupy job vacancies that will pave the way to continued innovation, and the temporary visas issued to most skilled foreign workers, the nations’ competency in the global market is only compromised.

As an alternative to a green card, the H-1B visa is being offered to highly-skilled foreign workers to be able to work in the US for a minimum of three years to a maximum of six years. This non-immigrant visa allows business firms all across the nation to hire computer programmers, engineers, scientists and other highly-trained individuals whose contributions can have a significant effect in the recovery and growth of the US economy. Though temporary, many foreign workers use it as a gateway to gaining a green card.

H-1B visas are prepared and managed by employers, in behalf of foreign employees, leaving the concerned employee usually not aware as to what the law actually says about his/her privileges and rights regarding the possibility of acquiring a green card, permanent work and permanent residency. This is also due to the complexity of the immigration law which, as stated in the website of the Law Office of William Jang, PLLC, a firm based in Austin, can be confusing to many immigrant workers. It is also due to the complexity of the immigration law that many highly-skilled and qualified foreigners are denied of their application, rendering them non-productive despite their skills.

Though employers would act in behalf of foreign employees, it is still necessary to have a good immigration lawyer acting to pursue your rights and interests in being granted permanent work and residency in the US, especially after having worked and served the nation for three or six years.

Legal Penalties Resulting from Possession of Cocaine

Posted by on Apr 9, 2014 in Drug Crimes | 0 comments

Cocaine is one powerful and highly addictive stimulant, which has been classified as a Schedule II drug by the Controlled Substances Act (CSA) of the United States. A Schedule II drug refers to any illegal substance with a high potential for abuse; doctors, however, have the authority to administer it to patients for specific purposes.

The known largest consumer of cocaine in the world is the United States, where cocaine was first used in the late 1800s by workers in textile mills, railroads and factories. The drug served as a stimulant, to enable them to stay productive, despite extended hours of work. Today, though used the same way, that is, as a means to increasing functional activity, the drug is used more by well-earning employees, thus it earned the name, “rich man’s drug.” To the younger generation, cocaine is more famous under the name “party drug,” as party people use it to stay alert through the party’s end. Other names associated with cocaine are charlie, uptown, white dragon, toot, snow, dust, foo-foo, coke and so forth.

The addictive effects of cocaine make users take it more often, with the amount increasing on each take.

Like many other illegal substances, anyone charged with cocaine possession, is bound to suffer the harsh punishments imposed by the law. The United States Code (USC) of Controlled Substances Act exacts the following punishment and fines for mere possession of the illegal substance:

  • For first time offenders: up to 12 months behind bars plus a fine of, at least, a $1,000
  • For second time offenders : up to 24 months behind bars plus a fine of, at least, $2,500
  • For third time offenders: up to 36 months behind bars plus a fine of, at least, $5,000

Longer jail terms and higher fines are imputed to sellers and distributors of cocaine, and still much higher if injury or death can be connected to any activity involving this drug.

Concerns for Business Owners: Protecting Intellectual Property

Posted by on Apr 7, 2014 in Business Issues | 0 comments

Starting a business includes conceptualization of a business name, a business logo and products or services that are exclusive to the business firm. These are products of planning and creative thinking by business owners to keep their firms competitive and sought after due to their unique quality service. Thus, to protect and recognize the efforts put into businesses by their owners, including the time and costs incurred during the conceptualization, planning and execution stage of whatever business-related improvements decided upon, laws have been formulated and passed.

One specific law that gives copyright holders and the US government extra capability to stop access to fraudulent websites, where selling of counterfeit or infringing goods is the main trade, is the PROTECT IP Act or PIPA. PIPA, the shortest acronym for Preventing Real Online Threats to Economic Creativity and Theft of Intellectual Property Act, was introduced on May 12, 2011. It is actually a re-write of COICA (Combating Online Infringement and Counterfeits Act), a bill which was not approved in 2010. Another related bill that was introduced on October 26, 2011, was the SOPA or Stop Online Piracy Act.

“Infringement,” under PIPA’s definition, refers to any act that will enable or facilitate the distribution of counterfeit goods, as well as violation of the anti-digital rights management technology. This is because of the recognition of the exclusive rights to the creations of the mind, such that each unique good, or improvements in existing goods, would be the intellectual property (IP) of the one who conceived such good or improvement.

The intellectual property law grants owners exclusive rights to their intangible assets, like music, literary pieces, other works of art, inventions, discoveries, newly formed words, symbols, designs and phrases. Some types of intellectual property rights are trade secrets, trade dress, industrial design rights, patents, trademarks and copyright.

A copyright is aimed at protecting different forms of artistic and written expression, while a trademark is meant to safeguard a symbol or a name which identifies the specific provider of services and/or goods. A patent, on the other hand, is a legal document that is issued by the US government to grant inventors the right to exclude others from copying or selling their inventions (unless rights have been transferred or granted by the inventor to others through inheritance, renting or selling). A patent usually lasts for 20 years; upon its expiration, the right to exclude others stops.

Often, finding the right employees, who can be trusted with company trades and secrets and who can contribute greatly to the growth of a company, is a challenging task, especially if the firm lacks the instruments necessary in screening applicants well. The emergence of functional employment testing firms, however, changed the face of the hiring process, helping employers find the right people for the right job. Through pre-employment screening, these functional employment testing firms are able to specifically identify applicants’ (as well as existing employees’) skills and capabilities and determine whether they are capable of meeting the job’s basic requirements.

Protecting your intellectual property, besides entrusting your company’s growth to capable and trustworthy employees, should one of your major concerns as a business owner. Rather than hiring just anyone, only to compete with them or others who are able to benefit greatly by copying your company’s secrets and/or legally protected inventions, make sure you hire the right people; hiring the services of functional employment testing firms may be additional company cost, but you will soon find out that doing so is more beneficial in the long run.