Estate planning has a reputation of only being for the rich, old, or dying. However, Estate planning allows you to secure your finances and brings with it peace of mind, responsibility, and safety for the future. Unexpected circumstances are a part of life, and though there is much of it we can’t control, there is much we can, which is where Estate Planning comes in. Estate planning encompasses a variety of financial and non-financial plans, such as living wills, health care proxies, power of attorney, and advance health care directives.
As indicated by the American Bar association, more than 55% of Americans die without a will or estate plan, demonstrating the importance of such wills and other plans for every age group. Deaths can be unexpected, but estate planning eliminates other uncertainties and surprises surrounding them. Another added benefit to estate planning besides the stability it allows for your loved ones, is the possibility of minimizing potential tax burdens, according to Russo, Russo, & Slania, P.C. Having a licensed attorney look over your finances is beneficial to such finances, regardless of specific after death plans, and will likely save you more money in the long run, often justifying the expense of a lawyer.
Estate planning needs to become more normalized so that every citizen can adequately be prepared for that which we cannot prepare, and so that individuals of every age become more fiscally responsible with their own lives and are more comfortable planning for the future. Looking to the future, particularly in terms of wills, may seem morbid or unpleasant, but it sets the precedence of planning, responsibility, and personal accountability. It gives individuals control over their finances, their lives, and what happens to their assets when the unthinkable and uncontrollable occur.
Since 2005, though, the National Highway Traffic Administration (NHTSA) and the National Safety Council (NSC) have both recorded declines in fatal car crashes, from 43,510 in 2005 down to 32,675 in 2014. This decline is credited by the Insurance Institute for Highway Safety and the Highway Loss Data Institute to the improved structural design and the latest safety features in cars. A number of these crash avoidance features include: lane departure or lane-keep assist, blind spot alert, park assist, forward collision warning, adaptive headlights, tire pressure monitoring, traction control, electronic stability control, auto emergency braking (AEB), and active braking systems, which either warn drivers of impending collisions or which automatically assist drivers in preventing collisions.
Despite cars being equipped with some safety features, there was still increase in auto-related deaths in 2015, according to the NHTSA and the NSC. From 32,675 fatalities in 2014, the NHTSA reported a 9.5% increase for the first three months of 2015, while the NSC reported a 14% increase for the first six months of the same year.
One reason given for the higher fatal car crash rate is the dramatic increase in the number of cars on the road – one of the effects of gas prices going down. With more cars on the road, there were also more incidences of alcohol-impaired driving, speeding and people failing to buckle up. However, the real culprit behind the increase in death rate is cell phone use: drivers texting or conversing with someone , or taking selfies and then posting these on social media while controlling the wheel and trying to keep an eye on the road.
In spite of cars being made safer, both the NHTSA and the NSC agree that the increased use of cell phone is defeating all efforts that will reduce fatal car crashes. Cell phone use is the most dangerous form of distracted driving. Compared to drunk-driving, using a cell phone while driving is up to six times more dangerous.
In a car crash, it is implied that someone has acted illegally or negligently and that this act has caused a collision that has resulted to someone getting either injured or killed. In the view of a Tucson car accident lawyer, while advances in technology and increased awareness of the importance of safety on the roads have somehow helped in reducing the threat posed to public health and safety by car accidents, these (car accidents) continue to be one of the leading causes of serious injury and wrongful death in the United States each year, and the sad truth is that far too many of these accidents could easily have been prevented.
Though there are different contributing factors to car accidents, there is just one root cause behind all these: negligence. With help from a seasoned personal injury lawyer, innocent victims in car accidents may be able to pursue compensation for the damages caused by an irresponsible driver.
Besides knee or hip replacement surgery, another surgical procedure that is aimed at relieving joint pain is shoulder replacement surgery. This procedure is a popular corrective solution for those suffering from extreme joint pain or a limited range of shoulder motion.
Though shoulder replacement surgery is performed, first and foremost, for pain relief, it provides other benefits which include restoration of shoulder strength, function and motion. Many patients who have undergone shoulder replacement surgery in fact testify that they were able to return to the sports they love, like golf, tennis and swimming.
The most common causes of shoulder pain and reduced shoulder function are osteoarthritis (degenerative joint disease), post-traumatic arthritis, rheumatoid arthritis, avascular necrosis (osteonecrosis), rotator cuff tear arthropathy, severe shoulder fracture and failed previous shoulder replacement surgery.
In a shoulder replacement surgical procedure, the damaged parts of the shoulder are removed and replaced with artificial components, called a prosthesis (artificial component materials are typically metal or durable plastic). Restoration of shoulder motion and function, and abated pain should be the expected results after surgery; however, these have not been realized in a number of patients who have been implanted with faulty replacement implants manufactured by Wright Medical Technology, Inc. and Tornier, Inc. (two global medical device companies that merged in October of 2015).
As explained by a shoulder replacement mass tort attorney, many patients now suffer from bone damage, metal toxicity and dislocation, among many others serious side effects due to the faulty design of Wright and Tornier shoulder replacement implants. Rather than having their pain reduced or removed, patients have only been made to suffer worse pains; on top of this, their real problem has not been solved, they will have to undergo additional costly medical treatment, including a revision surgery. The mass suit that will be filed by victims is aimed at helping these victims recover compensation which will cover payment for their needed medical care and for other damages, including pain and suffering.
Before buying toys, parents may want to do the following tips to make sure their children will enjoy their toys and possibly prevent injuries. Toy-related injuries, though preventable, have landed estimated 251,800 children in emergency departments in 2014, a report of the U.S. Consumer Product Safety Commission said.
It is important for parents or any person buying toys for gifts to determine if a particular toy is appropriate for the age of the recipient. The U.S. Centers for Disease Control and Prevention (CDC) suggest that parents should strictly follow the toy’s safety warning mostly if the toy is intended to be used by a younger child. Check if the toy had passed the American Society for Testing and Materials; note that toys that have been certified have “ASTM” inscribed in the toys packaging. Toys that are suited for children ages 10 and above may pose a risk when given to younger children. Children whose age is 1 to 3 years old should not be given toys with small parts that can be accidentally ingested. Parents may want to consult other parents or toy store personnel if the product they are considering to buy is safe for a child. Refrain from buying toys that have sharp edges, rods, or unsafe edges that can cause harm to children. For younger kids, make sure to only buy toys that do not have cords that can cause strangulation.
When buying stuffed toys for younger children, make sure it does not have a zipper where they can accidentally swallow its stuffings. There were some previous reports that suggested toy-related injuries continue to increase as a result of children riding “non-motorized scooters.” Parents who have considerations in buying “ride-on toys” may also want to buy safety gears like helmet, knee and elbow padding. Though such tips may help prevent toy-related injuries to children, the website of the Abel Law Firm says that severe injuries are inevitable when children when they play defective toys.
Carpal tunnel syndrome, or CTS, is a condition that occurs when the median nerve supplying the nervous energy needed by the forearm is pressed, or ‘pinched,’ while passing though the carpal tunnel, a cavity enclosed by ligaments and different bones in the wrist. When the median nerve that supplies nervous energy in the forearm is pinched, complications such as numbness, weakness and tingling sensation in one forearm may occur.
Because carpal tunnel syndrome can be a result of forceful, repetitive motions, a Providence workplace accidents attorney may tell you that this condition can be a result of a poorly-designed workplace. Lack of adequate break times to do some stretching and to rest the arms can also result in carpal tunnel syndrome. Assembly line and clerical workers are at highest risk of this disease, although workers who operate heavy vibratory equipment, such as jackhammers, may also be vulnerable.
Apart from occupation, there are other risks associated with carpal tunnel syndrome. Women, for instance, are more prone to this condition because of smaller carpal tunnel. A dislocated wrist, or a musculoskeletal condition affecting the wrists and the hands, can also result in carpal tunnel syndrome. Pregnant or menopause women are also at higher risk of this disease because of fluid retention. Fluid retention that causes carpal tunnel syndrome can also be a result of thyroid diseases, obesity, and kidney damage. Finally, nerve-damaging illnesses such as diabetes and rheumatoid arthritis may also result in the weakening of the median nerve, making you more prone to carpal tunnel syndrome.
If you are experiencing numbness, tingling or weakness in one of your forearm and in your fingers, and if you are at risk of carpal tunnel syndrome, it is important to see your doctor for a prompt treatment. Depending on the severity, your doctor may apply wrist splints and recommend medications to relieve carpal tunnel syndrome symptoms. For more severe cases, surgery might be required.
In 1990, about 94,000 people (around the globe) died due to adverse effects of medical treatment; this number rose to 142,000 in 2013. In the US, the National Academy of Medicine, an American non-profit and non-governmental organization [called the Institute of Medicine (IOM) until June 30, 2015] says that, every year, medical error is to blame for the preventable death of 44,000 to 98,000 individuals, and the injuries sustained by 1,000,000 others.
Medical errors (or human errors) refer to adverse effects of care which are believed to be preventable; these errors can be the results of health-care providers’ wrongful execution of what actually are appropriate methods of care or the provision of inappropriate methods of care. The errors most frequently committed by doctors and hospitals include medication errors, surgery errors, anesthesia errors, childbirth injuries and misdiagnosis or delayed diagnosis; these errors also happen to be the most common bases of medical malpractice lawsuits.
Misdiagnosis or wrong diagnosis, which claims a big percentage of medical malpractice complaints, has not only caused thousands of deaths in the past, but also continues to put so many lives in danger, especially the lives of those rushed in emergency departments.
Some of the actual cases of misdiagnosis committed in emergency departments include: a 9-year-old girl being diagnosed of simply experiencing stomach pains and then suffering from a ruptured appendix minutes after; a male teenager being sent home after having been given Tylenol for his fever and chills – he died shortly after, due to sepsis, a blood infection; and, a woman, aged 42, who complained of chest pains. Two hours after she was discharged, she suffered a heart attack.
Medical errors (particularly those that cause injury or death to patients) are usually results of medical malpractice, which may be defined as a health-care provider’s failure to provide patients with the accepted standard of treatment. The only probable reasons for this failure are incompetence or lack of skill and negligence.
A Tennessee personal injury attorney may tell you that, despite doctors’ high level of competence, many patients still become victims of wrong diagnosis and other types of medical malpractice.
The effects of wrong diagnosis, in particular, can lead to serious consequences for patients and their families. This is why all health-care providers must be able to accurately diagnose and treat patients’ health complaints. Failure to do so can lead to legal moves by the patients and/or their families, to seek compensation for all the damages they are made to suffer.
If you have never done freight factoring before, you may be unsure of what to expect. Here are the basics of freight factoring.
There are essentially five elements in freight factoring:
- Cash advanced
The trucker or trucking company in its day-to-day operations does a lot of things, but the most important one in terms of freight factoring is submitting the invoice to a client for services rendered. This is based on the agreement between the trucker and client upon the successful completion of the job. The “factor” or third-party company who will buy the invoice has no involvement in this phase of the freight factoring process.
The factor only becomes involved when the invoice is then sent to them for verification and approval. The freight factoring company which check if the service was indeed satisfactorily rendered and if it has been, the factor pays the trucking company the pre-agreed amount to be advanced (anywhere between 60 to 90% of the face value of the invoice). The percentage of the cash advanced will depend on the credit rating of the client. The funds advanced can be in the form of cash, check, or bank transfer between 24 to 48 hours after verification.
Depending on the agreement, the freight factoring company may or may not keep a reserve, which is that percentage of the money due to the trucker which is kept back by the factor until such time as the invoice is paid in full. At this point, the reserve amount is then released to the trucker. Some companies such as TBS Factoring do not require a reserve for non-recourse factoring.
It should be noted that not all clients will meet the requirements of a freight factoring company; a credit check is usually made on the client to determine if they are a bad risk or will provide truckers with a list of pre-approved clients. This is an advantage to truckers, who will then be able to weed out dead beat clients who will probably not be able to pay on time and in full, or at all.
Being an injured passenger in a motorcycle accident can make recovery of compensation easier to accomplish, whether it would be against the operator of the motorcycle or the other car involved, or even both. Besides being able to file for a personal injury claim against the person or persons who caused the accident, you can also file for a products liability lawsuit if a defect in the motorcycle was what caused the accident. Motorcycle passengers who become injured in an accident often have easier times of getting compensation for injury and damages of opposed to the drivers because the possibility of the passenger being the one who caused the accident is very rare.
For a single-vehicle accident, the injured passenger can file a lawsuit against the operator of the motorcycle. Just as with any negligence cases, the victim should be able to prove that (1) the liability of the person at-fault, and (2) the damages suffered (such as injuries and economic loss). When there are two or more vehicles involved in the accident, the injured passenger can file an injury lawsuit against the operators of all vehicles, except in the event that only one of the operator is clearly the one who caused the accident. In situations where the one who caused the accident flees the scene and was not apprehended, then the injured passenger can then file a hit and run accident under the other driver (and/or your) uninsured drivers insurance policy, but since there are differences in certain laws regarding these policies, it would be best to consult Iowa motorcycle accident lawyer to check which laws apply to your situation.
There are two main causes of motorcycle accidents – one, when the motorcycle carelessly crashes or hits something, or if a mechanical defect in the motorcycle caused the crash. States in the US follow different laws regarding insurance and vehicle accidents, therefore it would be best to have a lawyer guide and assist in filing either a products liability or personal injury claims. To learn more about how a motorcycle lawyer can help you after being hurt in an accident, visit Pete Leehey’s website.
For some individuals, riding a bike for a morning exercise, to run an errand or head down to work, is simply more fun than taking a public transport. But when riding a bike, one should blend into the flow of the traffic; bikers should never zigzag along roads, go from street to sidewalk or weave between parked cars. In short, bikers should never make their own road rules, otherwise, in the event of an accident, they may lose their right from receiving compensation as the accident would be due to their own acts of negligence and irresponsibility.
Some expert bikers have shared useful information on how those riding a bike can avoid accidents and stay safe wherever they are headed. Consider the following points from expert opinion:
- It might be a surprise, but many experts say that the safest way to ride a bike is by being part of the traffic and not by riding on the right edge of the road, very close to the gravel shoulder, as this may be covered with sand or other debris that can cause you to fall;
- Ride on the right side of the street, at least three to four feet from the gravel shoulder. Along this path, other drivers, even pedestrians, will easily see you. Traffic is also slower at the right side of the road, so this will be a safer path, than at the left, where vehicles run faster;
- Ride, at least, three feet away from cars parked at the side of the street. This is will keep you safe from car doors suddenly being opened or from cars starting and trying to merge back into the flow of traffic;
- When riding downhill and your bike begins to run as fast as cars, ride in line with them. Pull a bit to the right, when you begin to fall behind. When passing a car, however, make sure that you pass on its left side; a driver normally expects to be passed on its left side; and,
- At a red light or at stop signs, stop behind the car that is already stopped awaiting the green light. Never stop at its right side (especially if it’s a truck instead of a car) as it may crush you if it makes a right turn.
There are many other precautions that bikers need to observe when riding, especially at night. But there is no safer and smoother way ever to ride than by observing traffic safety rules and riding with the flow of the traffic. Riding this way is also a guarantee that, if ever an accident occurs, your personal injury lawyer will be able to fight for your rights and earn for you the maximum compensation that the law allows, since you will clearly be without fault in the accident that occurred.
Data on marriages and divorces has shown that divorce rates have gone down in the past few decades, although it’s not as visible because of the number of people asking for divorce all over the United States. People who are unhappy with their marriages choose to end it by filing for divorce, thus the need to hire a divorce lawyer. Hiring one will ensure that both parties’ rights as well as interests are upheld. Different factors in a divorce are to be considered and here are some things you should look into if you are seeking to file for divorce:
- Divorce can happen to just about anyone. You are not the only one who is ending their marriage, and having the courage to say it (albeit that it’s one of the hardest things to face) is important in order to move on with your life. Don’t be afraid of the changes that divorce may make to your life; don’t be afraid to take you shot at happiness.
- Make sure to keep yourself focused on the divorce. It’s not only about lawyers settling the case; you have to do your part in achieving what you want to happen before, during, and after the divorce. Make goals, not only about the divorce but what you will do after it: plan for your future and save money; divorce is only the door you open, what you do after depends solely on you.
- The stress of going through the divorce can take a toll on your health, make sure to take a rest and keep yourself healthy. If you are feeling something that is physically troubling you that you think is caused by the divorce, call your family doctor to talk about possible relief or medication. Going to a therapist may also help out clear and refresh your mind and sort out your emotions.
- If you have children, never disregard their feelings. Make sure that you put the divorce in a positive light in order to keep a healthy relationship with your children (and their possible children). Divorce doesn’t mean you have to be away from your children or that you will not be a part or their life anymore. In the long run, they may be the one suffering the most, compared to the pain you are temporarily feeling now.
- Find a lawyer you trust and is willing to help you settle the divorce amiably, and is ready to go to court should the negotiations go awry. Make sure you don’t let your emotions control your actions or decisions: as advised by the professional team from Marshall & Taylor, P.C. you should know your legal rights. It is also important to know what to expect from the whole process of divorce; the time it will take, the possible costs you will endure, the rules, and many others. Have honest and constant communication with your lawyer about the proceeding.
Make sure you know what you want in life: divorce is one of the life-changing things that can happen to anyone. You may know what you want now, but have a clear vision of how you will be after going through divorce.