People Need Reassurance About the Economy

Nov 5, 2017 by

The market is at an all-time high and the job market continues to steadily improve, so why are people still so down on the economy?

The truth is there has been a major hangover from the Great Recession which has led to several issues. First, there are some communities that continue to struggle to return to the level of affluence they had before 2009. While unemployment is low, that doesn’t mean the jobs are of the same quality as they were before. The stagnation of wages and the increased amount of the workforce in the service industry suggests that while people are employed, they are not happily employed.

Another issue is rising housing prices, as well as rising rent, which has once again begun to price out those looking to enter into a more affluent life. With prices so high, there’s a tendency to fear another crash, which may be pushing some who could afford property to hold off.

This latter point, the fear of a crash, is perhaps the most prominent reason for distrust in the economy. While the economy has remained strong for almost a decade since its lowest point, there have been few outward signs to reassure those who understand the markets only by headlines. At the same time, in the battle of the headlines, there are constantly stories of financial improprieties, including broker misconduct, as well as activities that are legal but some consider unethical, such as the large “dark money” contributions to political campaigns.

To ensure the economy remains strong, there needs to be more confidence. The numbers coming out are healthy enough, but they alone are not signaling to the general public that they can trust the economy in the future.

Reassurance is necessary. More needs to be done publicly to show issues like broker fraud are being dealt with appropriately. At the same time, a jobs program, perhaps in something an area like infrastructure which has widespread bipartisan support, would go a long way to showing many people that higher paying jobs exist and more are on the way.

Finally, more must be done to address the rising costs of homes as well as renting, particularly in the cities. A lack of access to the better suburbs and to the cities is one of the primary reasons people feel there are not enough job opportunities or room for growth. Making inroads in this area would all for more people to share in the booming economies of the cities, and thus reassure them.

These points should be taken seriously and addressed in a reasonably quick manner. A lack of confidence long term can lead to negative effects as people refuse to invest their money or take entrepreneurial chances.

The American economy is strong. It is doing well. It just needs a better publicist to prove that point to its citizens.

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Help During a Difficult Divorce

Sep 1, 2017 by

Choosing to file for a divorce is often a difficult decision. However, for many people, it is also a welcome relief that allows them to move forward with their lives. Although thousands of people get divorced each year, this is not necessarily a natural process, either personally or legally. Not only must you come to this decision with your spouse, but you must make choices about ownership of personal items like your home or car and parental custody if you have children. On top of these difficult decisions, you must also work with the legal system to make your divorce official. This is often a frustrating and confusing process that you must undertake, to reach your end goal. This is especially true in the state of Texas, where there are many specific hurdles you must overcome to get divorced. The Lone Star Advocate, a legal blog run by texaslegal.com, has created an article with relevant information about divorce in Texas, to prepare you for the process.

According to the article, in Texas alone, 75,000 couples get divorced each year. January is the most common time for divorce, as this is when the holiday season is over. The most common day that people get divorced is typically when they go back to work or kids go back to school after the winter break.  To make your divorce process as straightforward and pain-free as possible, there are five facts you need to know about divorce in Texas.

  • It is a lengthy process: most divorces take between 6 months to one to finalize, depending on the complexity of your situation. On top of this, in Texas, the divorce is not final until 60 days after you file a petition
  • There is no legal separation: Texas does not recognize legal separation, so even if you are no longer living with your spouse all your property and debt are still shared until the divorce is final
  • “No-fault” divorce is possible: you do not have to prove there is any fault that justifies your reason for divorce
  • Divorce is not a DIY job: divorce is a complicated process, and even small mistakes in the process could seriously delay the finalization
  • Divorce does not have to be expensive: even if you choose to work with a lawyer, your divorce does not have to break the bank. Do your research about lawyers in your area to find one whose price is within your budget.

This information can help you make smart decisions when moving forward with your divorce. However, it is always important to do your research before engaging in any legal action.

For individuals seeking a divorce, a skilled divorce lawyer can help you make the right decisions for your future. Not only are they trained in the legal process of divorce, but they can also work as an advocate for you and your spouse to ensure that your separation is fair and amicable. Although divorce is a complicated process, you do not have to face it alone.

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Common Manifestations of Unpaid Overtime Pay

Jul 1, 2017 by

If you work more than 40 hours a week, it already means you are doing overtime, and on the right conditions, you may be able to get overtime pay. This can also be a legal issue. According to the website of Cary Kane LLP, those who are not compensated properly may take the case to court.

These cases may end with equivalent wage payments, damage compensations, among others. But before achieving those, there should be a case, so how can unpaid overtime pay happen?

Eligibility Issues

One of the heaviest factors that affect these cases is eligibility. Are you really eligible for overtime pay, therefore deserve to receive compensation for your more than 40 hours of work? There are exemptions to overtime pay, such as those that work in delivery services, farms, and various other industries.

Those who have administrative, executive, and even sometimes professional positions are also exempted from overtime pay. If you are exempted from overtime pay, it is just right that you do not receive compensation for your extra hours at work, so you cannot really take the case to court.

Management Issues

Sometimes, it is the employer’s fault why you have not been adequately compensated. This fault can come in two forms – either intentional or unintentional. Whatever is the case, it doesn’t change the fact that you have not been paid.

The most common management issues are the miscalculation of the number of hours you have worked and the miscalculation of wages, usually because of various variables such as commissions and other merits. Eligibility issues can also be the fault of the management, because they also have the tendency to misclassify employees.

Work Conditions

These can also manifest in two ways – the way you work or the way management is requiring you to work. Unpaid overtime pays due to work condition issues often come in these forms:

  • Coming to work too early
  • Staying at work too late
  • Working during unpaid break periods, such as lunch
  • Taking work home
  • Accomplishing administrative tasks in off-hours
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The Lowdown on Insurance Agent Negligence

Dec 22, 2016 by

When disaster causes damage to a home or business, the owners would call on their insurance agents for help. The aftermath of disasters such as storms, typhoons, or hurricanes can leave people unable to shoulder the costs for repairs or rehabilitation. The insurance agent can become the lifeline of the home and business owner for any compensation that can help them restore their damaged house.

Having insurance can help people proceed with repair and restoration of their properties. Unfortunately, there are some agents who are negligent with their duties and deny policyholders of their claims. According to the website of Williams Kherkher, negligence on the part of insurance agents can leave families to cope with their damaged properties by themselves. Most denied claims are due to the errors of insurance agents in processing claims. Insurance agent negligence comes in various forms which may include:

  • Failure to adequately explain the terms of the policy
  • Failure to write a policy that offers sufficient or correct coverage
  • Providing inaccurate information on an insurance form
  • Failure to provide the insurance company with all necessary forms

The negligence of an insurance agent may have serious consequences to the policyholder. In case of flood, for example, the failure of the agent to notify the policyholder that they do not have flood coverage could result to significant monetary losses if their business or home gets damaged as a result of the flood. Since the damage was due to the negligence of an insurance agent, you may be entitled to receive compensation as a result of the negligent act.

Whether the error was unintentional or intentional, such action of the insurance agent is subject to liability and the victim may be entitled to receive damages. With the help of a lawyer, you may be able to pursue compensation and recover financial losses that you incurred as a result of the negligent act.

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Defective Medical Devices: Putting Patients More at Harm’s Way

Dec 12, 2016 by

Devices and tools that make replacement, support or enhancement of missing or damaged biological structures, to restore or improve a patient’s condition, faster, easier and safer is probably the greatest benefit of modern technology in medicine. Unfortunately, not all medical devices are safe as they are effective as some are found to cause harm than the relief these were intended to provide.

Hundreds of different kinds of medical devices have already been introduced and used in patients. Many of these, though, have been proven defective and the causes of harmful effects. A few of these defective medical devices, based on complaints reported and filed with the U.S. Food and Drug Administration (FDA) include the transvaginal mesh (including Johnson & Johnson vaginal mesh kit and Alloderm mesh), the automated external defibrillator (AED) heart device, the Stryker ABG II Modular-Neck Hip Implant System, the Stryker Rejuvenate modular-neck stems, and the Depuy hip implant, Zimmer NexGen knee replacements.

After the FDA approves the use of a medical device for treatment of patients, it turns to its post-market surveillance tool, the Medical Device Reporting (MDR), to monitor the devices’ performance, discover potential safety issues and consider the device’s benefits and risks. MDR, which contains the mandatory requirement of reporting to the FDA certain device-related adverse events and product problems, is a mandatory regulation for importers, manufacturers and device user facilities (such as a diagnostic or outpatient treatment facility, an ambulatory surgical facility, a nursing home or a hospital); reporting of adverse events and product problems, however, is voluntary for consumers, caregivers, patients, doctors and other health care professionals. Furthermore, the FDA encourages voluntary reporters to share information on any therapeutic failure, poor quality issue, or erroneous use of these devices – all for the purpose of improving and ensuring their overall safety.

With regard to mandatory reporting, the following are required:

  1. For device manufacturers: they are obligated to report any incidence of device malfunction or any incidence of serious injury or death (due to use of a certain device) as soon as they learn of it.
  2. For importers: if their (imported) device malfunctions,they must submit a report to the product’s manufacturer. If the device, however, has caused or contributed to a death or serious injury, then the report should be forwarded to both the device’s manufacturer and the FDA.
  3. For device user facilities: any death that is suspected to be due to the use of a device should be reported by the facility (which has become aware of this incidence) to both manufacturer and the FDA; where serious injury is concerned, the report must be forwarded to the manufacturer; however, if the manufacturer is not known, then the report will have to be submitted to the FDA.

The FDA receives hundreds of medical device failure reports every year; these, however, make up just a small percentage of the many different medical mistakes, which lead to patient harm or death, committed in the U.S. According to Tucson personal injury lawyers of Russo, Russo & Slania, P.C.,the physical pain and financial stress suffered by those who have been harmed by defective medical devices should not have been, had these devices’ manufacturers only made sure that their products are safe.

Victims of the negligent acts of others should not be made to bear the financial burden resulting from the additional costly medical procedures required to treat new serious health issues they are made to suffer. With help from personal injury lawyers, victims may pursue a legal action that may enable them to seek financial restitution for medical expenses associated with recovery, as well as lost wages and other costs.

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Reducing Construction Site Accidents through Strict Observance of OSHA Regulations

Oct 22, 2016 by

Though job-related accidents that result to injuries, illnesses or deaths are always possible in any type of work environment, accidents in construction sites still account for the highest number of injuries and fatalities. Every year, more than 800 deaths and thousands of injuries result from construction site accidents which are actually nothing more that consequences of others’ acts of negligence or carelessness.

Federal and state laws which mandate the creation and maintenance of a safe and healthy work environment for the safety of all employees is strictly enforced by the U.S. Department of Labor’s Occupational Safety & Health Administration (OSHA). The federal and state health and safety standards required by OSHA of all employers are meant to benefit 30 million workers in more than 8 million work sites all across the nation.

Since OSHA came into existence in 1971 (as an offshoot of the Occupational Safety and Health Act or OSH Act of 1970), it has made a profound effect in the industrial field, significantly reducing the number of injuries by 67% and deaths by 65%. Thus, from the 38 daily fatalities registered during the 1970s, the strict implementation of OSHA rules, especially during the last few years, has resulted to only 12 daily fatal accidents (in construction sites) during the 2012 period.

Besides the OSHA-identified “Fatal Four” or four major causes of accidents (falls, being by struck by an object, electrocution, and being caught-in/between), there are also scaffolding problems, vehicle accidents, and crane collapse accidents.

Getting hurt in a construction accident, which can happen suddenly and without warning, can leave people seriously injured and struggling to cope with the consequences of their injuries which include costly medical treatment, loss of wages and recovery treatment, among others. Due to these, plus the pain and sufferings undergone by the victim, Milwaukee injury attorneys point out the possibility and possible eligibility of victims to take legal action against the liable party to pursue compensation for their medical bills and other losses. Liable party can include their employer, the building or property owner, contractors, and/or machinery manufacturers.

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Improper Treatment – A Medical Mistake so Many Doctors Try so Much to Hide

Aug 4, 2016 by

An 88-year old man suffering from second and third degree burns on his buttocks and heels was admitted to a hospital where he was placed on his stomach, without IV. He was provided a glass of water, only it was placed on a night stand that was out of his reach.

Due to his position, he regurgitated acid from his stomach but couldn’t drink when he needed to. As a result, the acid from his stomach burned his esophagus. After a couple more days, he began suffering from severe dehydration and organ failure. He lost his capability to talk or swallow anything and, after nine days, his body was just too weak to continue bearing the severe suffering. He died.

Though the hospital and the man’s doctor explained to the family that the cause of death was the man’s very weak condition even during admission, this did not hinder the family to go to court to get full disclosure. The medical board that investigated the man’s case found that the hospital was actually guilty of 26 different errors which eventually caused the old man’s suffering and death.

For many patients and patients’ families, questioning a doctors’ judgment is be difficult. Though they have all the right to do so, they worry that this may send a wrong message to the doctor, who may interpret queries as lack of trust. They should know, however, that even the best and very famous doctors, like everyone else, can commit mistakes and that, sometimes, they actually do. Some of these mistakes are improper treatment.

As different from wrong diagnosis, in an improper treatment case, a doctor has correctly diagnosed his or her patient and, therefore, knows exactly what the patient’s health problem is; however, for whatever reason, this doctor provides the patient with the wrong treatment.

There are different ways through which improper treatment may be committed, some of these include:

  •  Giving a patient the wrong dose of a drug;
  •  Prescribing a drug to a patient despite such patient’s known allergy to such drug;
  •  Delaying, rushing, or performing an unnecessary or a dangerous treatment;
  •  Inadequate monitoring of a patient; and,
  •  Failing to take the necessary measures which will prevent a disease.

In their website, improper treatment lawyers from the Hankey Law Office says that it is critical that victims of medical malpractice hold doctors accountable for their actions and get the compensation they deserve. This is because besides the new injuries a patient may be made to suffer, improper treatment also does not address the patient’s original health problem, making this problem worse and, thus, require more expensive medication.

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Types Of Car Seat Infants Should Use

Apr 20, 2016 by

Expecting parents often are excited to buy stuffs for the upcoming new member of the family. Baby clothing, diapers, baby strollers, and infant toys are carefully chosen by parents for their baby. Parents, however, should also carefully choose the car seat that will be used by their baby. According to the Mayo Clinic, the #1 mistake parents make when selecting car seats for their children, is to buy used car seats without properly researching that seat’s history.

Child seats in vehicles are required to protect younger children and babies in an unfortunate event of a crash. Child seat use are required because vehicle seat belts are not protect younger children during crashes. The National Highway Traffic Safety Administration (NHTSA) has issued a children car seat recommendations to guide parents in buying car seats. New born babies until the age of three are only required to ride in a vehicle with a rear-facing car seat. Children who have already exceeded the size limitations of rear-facing car seats may use forward-facing car seats until approximately reaching the age of seven. Booster seats on the other hand are required to children whose maximum age is 12 years old. Booster seats are used to firmly secure a child while restrained by a regular seat belt. Children whose age is 12 years and older may no longer use car seats as they can be restrained by seat belts. Car seats often come in different designs depending on the child’s age and built. Parents may want to check the NHTSA official website if they want to know more information about child car seats.

According to the website of the Spiros Champaign Law Firm, it is important for parents to carefully choose the right car seat that should be used by their children to protected them from serious injuries caused by other vehicles. Children are left seriously or fatally injured when they got involved in car accidents. Parents unfortunately often have to deal with expensive hospitalizations when their younger loved ones are injured in such accidents.

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For the Gun Enthusiast

Nov 5, 2015 by

For gun enthusiasts, suppressors are handy tools that provide a number of benefits. Contrary to what the movies portray them to be, gun suppressors, or “silencers” as they are commonly known as, does not necessarily silence the sound of the gunfire, rather they lessen the distinct sound of gun shots to varying degrees. In some countries, gun suppressors or silencers are monitored by their firearms legislations. In the United States, gun suppressors are classified as silencers according to the National Firearms Acts of 1934, and are under the Bureau of Alcohol, Tobacco, Firearms, and Explosives (BATFE) as dictated by federal law.

A very good gun suppressor makes it hard for people to detect the shots from other natural or environmental noises, while bad ones may not be able to hide the sound of the gunshot being fired. Most suppressors can still give way to a measurable amount of noise because the sounds are leaving from the ejection port and the projectiles produce noise when the gun is fired. In order to combat this, there are low-powered distinct ammunition and/or gas systems which can be turned off and subsonic bullets that cancel the sonic cracks of the bullets in-flight. It is important to choose the right gun suppressors in order to get the best benefits from gun suppressors.

Aside from reducing the sounds of gunshots, silencers are often used by the military for their ability to lessen the visual signature, since muzzle flashes during night fights can be very dangerous. Good gun suppressors also reduce the dust and sand signatures when shooting prone. Many people are more familiar with the detachable silencers, but there are other types of gun suppressors, such as the integral ones. Integral suppressors are the types where the suppressors are part of the rifle or pistol barrel, often built around it. They are often permanent and can be very effective in reducing the visual and audible firing signatures. Although albeit costly to buy and maintain, integral suppressors products from Zion Armaments, and others in the market, does bring more affordable alternatives that makes them a very popular choice for gun owners.

Integral suppressors from Suppressed Weapon Systems, along with other types of suppressors, are deemed a practical and useful support to guns. However, the use of them in the United States is still censured and is usually not legally allowed to use for hunting. Because of the many benefits of gun suppressors, many gun owners hope that it will be recognized as a very useful aid to various shooting activities.

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The Role of Negligence in Truck Accidents

Jul 29, 2015 by

The frequency by which traffic accidents occur in America is becoming increasingly worrisome. This is particularly true for accidents involving large trucks such as 18-wheelers, big rigs, tractor trailers, and the like. According to information gathered by the Institute for Highway Safety or IIHS, the year 2013 saw 3,062 fatalities cause by crashes where a large truck is involved. The institute found that 67 percent of the victims were riding in regular passenger vehicles. 16 percent of the victims were truck drivers, and another 15 percent of the victims were bicyclists, motorcyclists, or pedestrians.

There’s no surprise as to why large truck accidents are especially dangerous for motorists and pedestrians. As the IIHS notes, these trucks are often 20 to 30 times heavier than cars. A truck can weigh in at about 80,000 pounds, while a car is only roughly around 4,000 pounds. This huge disparity also makes it difficult for drivers to control trucks. Compared to a regular car, trucks need to cover a longer distance before being able to come to a full stop. The size of the vehicle also leaves truck drivers vulnerable to more blind sports or “no-zone” areas.

Still, it’s important to note that truck accidents aren’t simply caused by these factors. While the discrepancy in size and weight heightens certain risks, it is negligence that plays a crucial role in most of the truck accidents reported in America. In most cases, truck accidents are caused by a negligent error committed by the driver or by a careless mistake made on the part of the company in-charge of operations.

According to the website Toronto personal injury lawyers, truck driver negligence can take many forms. The most usual cases of truck driver negligence include committing errors and violations such as drifting between different lanes, failing to properly signal when stopping or turning, using brakes unnecessarily or drastically, failing to yield or give way, ignoring stop lights and traffic signs, as well as speeding. On the other hand, examples of examples of negligence by trucking companies include failing to properly train newly hired employees, hiring unqualified individuals, violating hours of service regulations, and failing to maintain the vehicles in their fleet.

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