If you’re facing criminal charges, you are in serious trouble which can easily be quite stressful, scary and depressing. No one should go through such ordeal no matter what has happened to them. Hiring a domestic battery attorney to protect your rights, support you legally, and create a strong defense against the charges is a smart thing to do in such unfortunate occasions.
If you’re not sure how a criminal defense attorney can help
you, here are some reasons why you should hire one immediately.
Lawyer’s Know the Law
Criminal law in the United States is complex and vast. In many cases, it is impossible to understand the law if you have no educational background. And there is always a chance that the criminal charges against you are not easy to deal with. An experienced attorney, on the other hand, is very familiar with the law and they are good at collecting evidence, evaluating your plea bargain options and providing you with the best available defense. They know exactly what to expect when such cases go to trial.
They Have Strong Strategies
Every case is different from others and this is the real
challenge attorneys have to deal with. A criminal defense attorney spends a lot
of time investigating the nature of every case to find out the best results and
figure out specific strategies to protect you.
They Are Good At Finding
Witnesses
Since attorneys fight legal battles on a daily basis, they are
already related to expert witnesses in some way from the previous cases they
have fought. Even if they do not have a relation with a witness from a previous
case, they are able to get in touch and contact with such witnesses on a given
notice within their industry.
They Can Save You Money
And Time
In today’s world, time is money. The more time you lose, the
more money you lose. This is true for any legal battle as well. The more time
you spend on arguing your case, the less time you are working and the less
money you are making. A talented lawyer knows exactly how the legal process
works and they can figure out about the case on their own while you concentrate
spending time on your work. In the long run, you actually save a lot of money
this way.
They Work For Your Best
Interests
Unfortunately, in the world of law and legal battles, not every prosecutor is honest or follows the law. In fact, you may be surprised that some coach witnesses even hide evidence. With an experienced attorney to back you, it could mean a huge difference between being guilty and non-guilty.
As with any legal suit, it is very important to pick a lawyer carefully for your case. You must be aware of your rights and know the circumstances in which you’ll be needing a lawyer. Having good knowledge of this will help you dodge even the worst charges against you.
A medical malpractice attorney or a Miami medical misdiagnosis attorney protects you when a medical professional or a institution handled your case with negligence. Medical malpractice is a very common but a lot of people feel overwhelmed because they have been hurt by the very same person that set out to help them.
If you’ve been a victim of medical malpractice at the hands of
a doctor, a nurse, or an institution, you have every right to receive
compensation for additional medical expenses you have to go through to sort out
the new problems created by this negligence.
But proving a doctor or a medical institution is a very tricky business. Doctors and institutions have a strong legal team that protects them against cases of medical malpractice. This is why if you believe you have been hurt by a doctor’s negligence, you should seek help from a medical malpractice lawyer in Miami.
Here are 2 top reasons why should hire a medical misdiagnosis
attorney today.
Getting help from a medical malpractice lawyer is a lot of
relief from the stress you may have gotten from the negligence of the doctor.
These professionals have specialized knowledge about negligence law which they
apply to your case in order to help you win the the case against giant medical
institutions and popular doctors. With a medical negligence lawyer on your
side, here are some of the most common benefits you’ll enjoy.
Get the Full
Compensation You Deserve
Insurance companies have strong legal teams that try to reduce
the expenses of the company by making sure that compensation stays limited, no
matter what the case is. And no matter how hard you try, you cannot convince
them until you have a professional negotiator on your side.
As it turns out, medical malpractice attorneys are perfect negotiators
that do so well to win an argument that they almost always get you more
compensation that you could ever imagine. This is why having one at your side
in such a case is so important.
Higher Chances of
Winning a Case
So you have decided to sue a medical institution or a doctor
with accusations of medical malpractice? How do you know that you have a solid
case against them? Just being injured by the doctor isn’t enough to help you
win the case, it requires good knowledge of the medical system as well as the
negligence law.
Lawyers have spent years studying negligence law and they
practice it every day in the court to help victims like you. With one at your
side, you can be certain that you’ll have high chances of winning the case as
opposed to going out there alone.
Just like any other legal battle, you should always pick your attorney very carefully. No matter what the case is or how strong the opponent is, an experienced and talented lawyer will make a huge difference. This is why when you are hiring a lawyer, never be hesitant to ask them about their experience and achievements.
If you would like to take your business to a whole new level, you have come to the right place. You can use marketing automation to take your results to where you have always wanted them. Doing so is much easier than you might think, and many marketing automation companies are willing to help. Marketing automation gives you a range of unbeatable benefits to which you would otherwise not have access:
· Boost Your Profit
· Save Your Time
· Expand Your Reach
In simple terms, marketing automation consists of software and systems that do the hardest parts of your marketing for you.
Boost Profit
Since your profitability is one of the most vital aspects of your business, let’s cover it first. Most businesses that fail do so because they don’t get their marketing right. They focus on the wrong things and overlook the most critical needs of their target customers.
Even when they get it right, marketing takes a lot of time and energy to implement. You can boost your profit more than you once thought possible when you use the right marketing automation plan. You can learn about your prospects and give them what they want without much additional effort, and the outcome will impress you.
Save Time
All business owners and marketing experts know that time is a limited and valuable resource. Anything that steals time away from running your business also hurts your bottom line. Some tasks that take time are essential to your bottom line, and marketing is one of them.
The good news is that the right marketing automation plan reduces the amount of time you spend on marketing. You can then use that time to work on the other areas of your business, and the rewards are exponential.
Email Funnel
An email funnel is the perfect example of marketing automation. While it can include chatbots and social media autoresponders, we are going to focus on the email funnel. In a classic funnel, you send people to an opt-in page and collect their email addresses. You then send out emails to your prospects to build relationships with them over time.
You then pitch your offer and go for the sale. You lose people at each step of your funnel, but it acts as a filter. The people who remain at the end are your most valuable customers, and they will stay with you over the long run if you treat them right.
Lead Generation
Lead generation is the first step in your marketing automation plan. To automate your lead generation process, put tracking pixels on your website and social media pages.
Also, you can use web code that reads cookies on your prospect’s browser and show them benefits unique to their needs and desires. For example, imagine you sell weight loss videos and diet plans. Your lead generation page should give valuable advice and offer a free video. Require your prospects to enter their email address to access the video.
Email Automation
Most marketing automation companies that know what they are doing use email automation. Once people join your list, your marketing automation software automatically sends them emails over several days or weeks.
It can then send the sales email after building enough trust with your prospects, and you don’t need to put in any additional effort once your system is in place. You might, however, want to change a few elements to see what gives you the best results possible.
Conversion Tracking
The old way of email marketing involved sending the same content to everyone on an email list. This approach causes you to lose more sales than you can imagine. You defeat that problem with conversion tracking software, which is included with most reputable email responders.
This software tracks which of your customers buy something in your email offer and when they do it, but it also tracks the ones who don’t. Based on the system you set up, the software places your customers into different groups based on their spending habits. Knowing the different behaviours and spending habits of your prospects is a powerful way to improve your sales rate.
Upsells
Upselling is an effective tool that skyrockets your profit when you use it the right way. You upsell the people who buy your first offer right away. These are the ones who enjoy your products and have enough money to buy them. Going with the weight loss example, your first product could be a video course selling for $47.
Your upsell could be private coaching sessions with experienced fitness experts, or you could offer membership programs. As long as you offer solid advice that gets results, a lot of your past customers will pay several hundred dollars or more for your advanced products.
Downsells
If you have ever added an item to your online cart but did not buy it right away, you have seen a downsell in action. Downselling works because it helps you get sales from those who would otherwise not buy from you.
Some of these people don’t have the budget for your products, but others are not comfortable paying the asking price. To use downsells, separate the people who don’t buy your first offer into a group. You then send that group discount codes or offer them a cheaper version of your product. If you are selling digital products, you lose nothing by offering discount codes.
Final Thoughts
As you can see, marketing automation is an effective way to increase your sales and boost your bottom line. Investing the extra profit you earn back into your business lets you expand to new areas if that’s your goal. You can also use the time you save to come up with even more product or service ideas. You now have the information required to implement your own marketing automation plan.
As with most things in business and life, you go through a trial-and-error process while discovering what approach is the best fit for your business. You can skip the roadblocks by hiring a marketing automation company to do it for you, and you then enjoy the rewards much sooner. No matter the path you choose, marketing automation can do wonders for your bottom line.
An Aeroflot Sukhoi Superjet-100 made an
emergency landing and burst into flames just after takeoff from Moscow’s
Sheremetyevo airport killing at least 41 people.
Two children are among the dead. The jet had 73 passengers and five crew
members.
“There are 37 survivors – 33
passengers and four members of the crew,” said Yelena Markovskaya, an
official involved in the investigation of the crash.
A flight attendant was also reportedly killed in the incident. Five people
are in hospital. One witness said it was a “miracle” anyone escaped.
Dramatic video shows passengers using emergency exit slides to escape the
burning Russian aircraft.
Survivors suggest the plane was struck by lightning, but Russia’s national
carrier said only that it returned to the airport for technical reasons.
Initial reports suggested the plane had landed on fire, but sources quoted
by Russian news agency Interfax said the jet caught fire after a very bumpy
landing.
The plane landed with full fuel tanks because the crew lost contact with air
traffic controllers and decided it was too dangerous to dump fuel over Moscow,
Interfax added.
PM Dmitry Medvedev has ordered a special committee to investigate the
disaster.
The aircraft left the airport at 18:02 local time, bound for Murmansk.
Its crew sent a distress signal when “malfunctions” occurred in
bad weather shortly after take-off.
After making an emergency landing at the airport, the aircraft’s engines
caught fire on the runway, Aeroflot said, adding that the crew “did
everything to save the passengers”.
Murmansk’s Acting Governor Andrey Chibis has reportedly said that the
families of those killed in the fire will each receive one million rubles ($15,300),
while the victims being treated in hospital will be given 500,000 rubles
($7,650).
With millions of commercial flights taking place every year, lightning
strikes in the air are relatively common.
Traditional planes, built using aluminum, are usually able to withstand such strikes as the shell or “skin” of the aircraft acts as a cage, distributing the electricity without causing damage and allowing them to continue their journey safely. Some newer aircraft are constructed using lighter materials that have lower electrical conductivity, such as carbon fiber, which need to be protected – often using wire mesh or foil.
A ceasefire in the Gaza Strip has been
agreed between Palestinian militants and Israel after a weekend during which
Palestinians launched hundreds of rockets into Israel prompting retaliatory air
and artillery strikes.
At least four Israelis and 23
Palestinians were killed.
Israel has not confirmed the
ceasefire. However, reports say emergency measures have been lifted in southern
Israel.
The violence flared up on May 3
during a protest against the blockade of Gaza.
A TV station run by Hamas – the
militant movement which controls Gaza – announced that both sides had agreed
the ceasefire, beginning at 04:30 local time.
Egypt is said to have brokered it –
assisted by the UN and Qatar.
The Israel Defense Forces (IDF) has
not mentioned the ceasefire. However, the Times
of Israel said that protective restrictions imposed on residents in
southern Israel since the flare up began were being lifted, including schools
reopening.
On May 6, the IDF said militants had
fired 690 rockets into southern Israel during the past 48 hours – 240 of which
had been intercepted by the country’s Iron Dome missile defense system.
In response, the IDF said, Israel
had targeted 350 sites belonging to Hamas and Islamic Jihad.
On May 5, Israeli PM Benjamin
Netanyahu said he had ordered the military to “continue its massive
strikes on terror elements” in Gaza.
Benjamin Netanyahu says the
country’s forces around the strip would be “stepped up with tank,
artillery and infantry forces”.
Israel had also closed all schools
within 25 miles of the Gaza strip and opened some shelters to the public.
The May 6 agreement comes as the
holy month of Ramadan begins for Palestinian Muslims and as Israel prepares to
mark its memorial day and independence day.
Four people have so far died from
the violence in Israel.
The Gaza health ministry says 23
Palestinians have died across the weekend. Most of the deaths came on Sunday.
The Islamic Jihad group said seven of the dead were its members.
Civilians, including a 12-year-old
boy and two pregnant women, were also among those reportedly killed.
Israel has contested the account of the death of one woman and her 14-month-old niece on Saturday. They blamed their deaths on a Palestinian rocket that fell short of its target.
China stocks tumbled on May 6 after President
Donald Trump threatened new tariffs on Chinese goods, putting a trade deal in
doubt.
President Trump announced on Twitter that the US would more than double
tariffs on $200 billion of Chinese goods on May 3 and would introduce fresh
tariffs.
Recent comments had suggested both sides were nearing a trade deal.
A Chinese delegation was due to travel to Washington this week for talks
aimed at ending the trade war.
However, according to recent reports, China is now considering cancelling
those talks, led by Vice-Premier Liu He, that were scheduled to resume on May 8.
Some reports said the Chinese were due to send a 100-person delegation to
the negotiations.
The Chinese government has yet to officially comment on President Trump’s
tweets.
In China, Hong Kong’s Hang Seng index dropped 3.7%, while the Shanghai
Composite plunged 5.3%.
US stock futures pointed to a lower open on Wall Street.
On May 3, President Trump tweeted: “For 10 months, China has been paying Tariffs to the USA of 25% on 50
Billion Dollars of High Tech, and 10% on 200 Billion Dollars of other goods.
These payments are partially responsible for our great economic results. The
10% will go up to 25% on Friday. 325 Billions Dollars….”
“The Trade Deal with China
continues, but too slowly, as they attempt to renegotiate. No!” he
continued.
After imposing duties on billions of dollars worth of one another’s goods
last year, the US and China have been negotiating and in recent weeks, appeared
to be close to striking a trade deal.
Last week US Treasury Secretary Steven Mnuchin described talks held in
Beijing as “productive”.
So far, the US has imposed tariffs on $250 billion of Chinese goods, having
accused China of unfair trade practices.
Beijing hit back with duties on $110 billion of American goods, blaming the
US for starting “the largest trade war in economic history”.
President Trump’s latest move will raise duties on more than 5,000 products
made by Chinese producers, ranging from chemicals to textiles and consumer
goods.
He originally imposed a 10% tariff on these goods in September that was due
to rise in January, but postponed this as negotiations advanced.
However, both US and international companies have said they are being harmed
by the trade war.
Fears about a further escalation caused a slump in world stock markets
towards the end of last year.
The IMF has warned a full-blown trade war would weaken the global economy.
North Korean leader Kim Jong-un has overseen a
“strike drill” testing various missile components on May 4, state
media has confirmed.
“A number of short-range projectiles” were also fired from the
Hodo peninsula into the Sea of Japan, the state media said.
Kim Jong-un gave the order of firing to “increase the combat
ability” of North Korea, the announcement said.
President Donald Trump tweeted he believed Kim Jong-un would not jeopardize
the path towards better relations.
He added that Kim Jong-un “knows that I am with him & does not want
to break his promise to me. Deal will happen!
President Trump tweeted on May 4: “Anything
in this very interesting world is possible, but I believe that Kim Jong-Un
fully realizes the great economic potential of North Korea and will do nothing
to interfere or end it.”
Donald Trump walked away from what he described as a bad deal offered by the
North Korean at a summit meeting in Hanoi in February.
In its report on May 5, the Korean Central News Agency (KCNA) said Kim
Jing-un had stressed the need to “defend the political sovereignty and
economic self-sustenance” of North Korea in the face of threat and
invasion.
The aim of the drill, which was testing “large-caliber long-range
multiple rocket launchers”, was to “inspect the operating ability and
the accuracy of striking duty performance,” the report said.
Kim Jong-un told troops to bear in mind “the iron truth that genuine
peace and security are ensured and guaranteed only by powerful strength”.
It is believed that latest test is intended to increase pressure on
Washington to move nuclear talks forward.
Last month, North Korea said it had tested what it described as a new
“tactical guided weapon”.
That was the first test since the Hanoi summit.
Analysts say a short-range solid fuel ballistic missile was fired on May 4,
making this the most serious test since North Korea fired an intercontinental
ballistic missile in November 2017.
However, the test does not violate North Korea’s promise not to test
long-range or nuclear missiles.
More than 1,000 homes have been destroyed in Bangladesh
as Cyclone Fani hit the Asian country.
At least five people died and 63 were injured.
With more than a million people evacuated to safety, the director of the
Bangladesh Meteorological Department said “fear of a major disaster is
mostly over”.
Cyclone Fani was downgraded to a depression as it swept north-eastwards from
India into Bangladesh on May 4, but was still powerful enough to submerge
dozens of villages on the low lying coast.
Houses were also destroyed in the Noakhali district, where 30 people were
injured and two children killed, one aged 12 and another two years old.
India also moved more than a million people to safety to avoid Cyclone Fani.
A least 16 people were killed by the storm when it hit India on May 3, but
officials said the loss of life could have been far worse.
In 1999, a super-cyclone in the Bay of Bengal ravaged the coast of Orissa
for 30 hours and killed 10,000 people.
Early cyclone warning systems have since improved, giving authorities more time to evacuate people. The chief minister of Orissa said this was one of the largest evacuations in human history.
Staying healthy requires us to eat well, exercise, take
the right medicines and supplements, and regularly visit our doctors. But these
aren’t all things that we do consciously. If we had to check our schedules
every time we ate an apple or ran a mile, we’d never do any of that stuff. In
reality, of course, health is built on habits.
Our habits are incredibly powerful. They’re what we do when we’re not thinking. And when we’ve managed to shape our habits in a positive way, we achieve a healthy long-term lifestyle.
That’s a gift that we can share. We can dedicate our
lives — and our careers — to the healthy habits and products that have made
such an enormous difference in our own lives. Here’s how.
The health and
lifestyle industry
Businesses are started with purposes. If you’re a health
nut with the mind of an entrepreneur, your calling may lie with the health and
lifestyle industry.
You can’t take other people’s supplements for them or do their exercise routine
for them, but you can help them — while also making a few bucks for yourself.
In the health and lifestyle industry, you can guide customers to great healthy
products, supplements, and solutions.
The health and lifestyle space is a great choice for small-business owners and entrepreneurs. These sorts of businesses are things that you can run out of your own home. Start-up costs and overhead are manageably low. And the potential for real earnings is definitely there. Americans are waking up to the consequences of years of unhealthy living, and we’re seeing more and more trends that indicate just how drawn people are to exercise options, diet choices, health supplements, and other related solutions, services, and products.
If that sounds like your kind of thing, then you’ll want
to read on.
Getting started
Starting a business is never easy. Health and lifestyle
businesses are no exception.
Before you get started, you’ll need a business plan. You
need to work hard on your plan and do your research carefully and extensively.
Before you put your money and your future on the line, you need to know your
business’ target customer base, long-term goals, and immediate financial
situation.
Work with an attorney to set your business up properly. Making your business a legal entity can help to insulate you from potential financial stresses your business could encounter. It will also make life a whole lot easier — and whole lot less expensive — at tax time.
You’ll also need the right business partners. Running a store that offers supplements or branding products online does not require you to make your own vitamins in your basement (please don’t do this). You’re going to partner with supplement manufacturers and suppliers. They’ll keep you stocked with healthy products and, in many cases, can even help you brand your products. Your customers will know your brand, and you’ll know that they’re getting the finest supplements and health products.
Finding your
purpose
The health and lifestyle industry is a unique place to
be in. You’ll be working to make money, just like everyone else, but your
purpose will be greater than that. For those of us who dedicate our lives to
helping our customers live healthier, each day on the job matters. You’ll still
have tough days, of course, and regular business concerns. But the
entrepreneurs, managers, manufacturers, and others who make their living in
health and lifestyle products can know in their hearts that their work is
making life better for others, and that’s a truly wonderful thing.
If you or someone you know was a victim of medical
malpractice, you know how devastating and overwhelming these circumstances can
be. You might lose time, money, and functions you have otherwise grown
accustomed to having.
Many people think they can file a lawsuit against a
physician for anything they feel they did wrong. But the truth is that there
are specific requirements for a case to be considered malpractice and qualify
for a hearing.
Breach of
standard of care
Failure to deliver standard of care is one of the most important elements in determining whether or not an incident is malpractice. It’s an often misunderstood legal term that basically means the patient was treated with acceptable medical care by competent health care professionals. And if it can be proven that this was not the case, then it might be possible to bring a lawsuit for against the individual or establishment responsible.
Negligence
But breach of standard of care is not enough to present
a case. The patient must also prove that the physician or institution was
negligent in doing so. They must prove that their pain, injury, or death (in
the case of a family suing on behalf of a loved one) was the direct result of
negligence.
For example, let’s say there is a treatment available
that has been very successful with a certain type of cancer. If a physician
knows about it and does not use it, he or she could be liable if the patient
suffers in any way as a result.
While malpractice laws vary slightly from country to country, negligence is a fairly standard criteria for warranting a lawsuit. This means California lawyers and Kamloops lawyers, for instance, would be looking for the exact same evidence to build a case against a medical professional when there is suspected malpractice.
Damages
If both breach of care and negligence is found in a medical
situation, it must then be proven that they resulted in significant damages. In
some cases, even small amounts of damages can be approved for litigation. But
the legal fees to pursue it may not be worth the effort.
Damages can be broken down into economic and noneconomic categories. And either one is allowable for recovery, provided they meet all the criteria. Economic losses might include lost wages, medical expenses, funeral expenses, etc. And noneconomic damages can be things like mental anguish, disfigurement, death, or anything else that diminishes the patient’s quality of life.
Examples of
medical malpractice
One example of medical malpractice that could likely
meet all the above criteria is a misdiagnosis. For example, say a patient goes
to the emergency room with symptoms of a heart attack, but the attending
physician fails to run the appropriate tests. If this patient ends up actually
suffering a heart attack, the doctor could be held responsible. In this case,
you can clearly identify neglect and breach of standard of care.
Another example could be medication errors. Let’s say someone who just finished a medical assistant diploma program gave a patient in his care the wrong dosage of medicine. If the patient becomes ill because of this mistake, the caregiver will probably be liable. But in this situation, the case becomes a bit trickier.
For one thing, there are very few medical professionals
actually trained and allowed to administer medication. Many facilities do hire
medication aides with only certificates for this task. But if the person who
made this error was not trained, his supervisor and possibly attending
physician will also be held responsible.
Most adults dream of owning a home. In most cases, renting an
apartment is something a person will do out of necessity. When the
time to buy a home arrives, finding the right residence to invest in
will not be easy.
Roughly 5 million homes are purchased in the United States on a yearly basis. Once you have found and purchased the home of your dreams, the real work will begin. As a homeowner, you will have to focus on things like budgeting your money and performing routine maintenance.
Wasting
money is something first-time homeowners are bound to do. The
following are just some of the common things a new homeowner will
waste money on.
High Energy Costs Can Be
Reduced
While
having electricity is a necessity, you will need to avoid paying more
than you have to for it. Some first-time homeowners make the mistake
of settling for an energy provider before doing their homework.
Luckily, there are helpful websites like Texas Electricity Plans on the market. This website is designed to provide consumers with information about the rates certain energy companies in the state of Texas charge. You can learn more about Texas Electricity Plans and the services they provide by visiting their website.
Updating the Outside of a
Home Can Be Expensive
Modern
homeowners are notoriously impatient. While fixing up the exterior
portion of a home is a good idea, it needs to be further down on your
list of priorities. Adding things like a pond or intricate
landscaping elements will take time and money.
Rather than wasting money on these updates immediately, take the time to knock out a few outdoor projects over the course of a few years. This will not only help you save money; it can also minimize the amount of stress in your life. Oftentimes, hiring professionals to help with this process is a good idea. They will have the tools and experience needed to get this work done quickly and correctly.
Shopping Around For
Homeowners Insurance Is Crucial
Newcomers to the world of home ownership fail to realize how many different insurance policy options they have. Instead of rushing through the selection of a homeowner’s insurance policy, take your time to ensure the best decision is made.
When
meeting with an insurance agent, be sure to make a list of questions
you want to ask. Finding out things like what your deductible is and
what type of damage the policy in question covers is a good idea.
Once you have this information, you can begin the process of
narrowing down the list of insurance policies on the market.
Replacing Appliances That
Are Functional
Over
time, you will probably start to notice things about your residence
you want to change. Taking on various home improvement projects will
not only make your property look better, but it can also add value.
One of the most common home improvement projects is a kitchen
remodel.
Generally,
this project will include replacing cabinets and countertops. One of
the biggest mistakes you can make during this process is replacing
appliances that are functional. New appliances are extremely
expensive, which is why you need to keep your existing appliances in
operation for as long as possible.
Staying on Budget is Hard
Work
Avoiding
stress and worry as a homeowner is only possible with a detailed
budget. While it will be difficult to stay on this budget at times,
it is well worth the aggravation you face. Working with a financial
adviser is a great way to figure out how to properly structure a
budget.
Have you just decided
to start using e-cigs? You are about to join the
wonderful world of vaping. If you want to take up vaping in order to
stop smoking, you are on the right track. First, you have to know the
different products that you will require.
Electronic Cigarettes
The
most important vaping product is an e-cig. It works by vaporizing
flavored e-liquids into the vapor that you inhale to get a hit.
Nowadays, an e-cig does not just play the role of a vaporizer. It
also comes with several built-in features that make the vaping
experience much more enjoyable.
When
shopping for your first e-cig, you are bound to come across one that
falls within your price range. Advanced e-cigarettes contain high-end
tanks, rechargeable batteries, as well as some sophisticated
controls. If you have no idea where to begin, consider starting with
something simple and working your way up.
This
refers to a vaporizer that is highly customized. It is usually more
powerful than a typical e-cig and comes with more features. A vape
mod is a product that will cater to your specific vaping needs. If
you would like more flavor and thicker smoke, you can choose a vape
mod that meets these criteria.
On
the other hand, if you prefer an e-cig that is easy to carry and use,
you can have one just like that. Would you like to be able to perform
tricks? You can get a mod just for this purpose. For beginners, it
would be prudent to switch to another mod only when ready.
Make
sure that you do plenty of research about different mods to figure
out the right one for your needs. By doing this, you will know what
you want before you start shopping.
Vape Tank
You
can find a vape tank in vape mods. It holds vape juice and contains
coils that turn e-liquids into vapor. When you inhale, some tanks
automatically produce vapor but you have to trigger others manually.
You will come across four types of tanks in the market: RBAs,
standard, RDAs, and sub-ohm tanks.
This
classification has much to do with the tank’s suitability for
different vape mods. When it comes to buying vape products, choosing
the right tank is probably the hardest part. As a beginner, you need
to consider choosing a tank that will match your mod.
E-liquid
This liquid fuels your e-cig. If you want to stop smoking, you should opt for a vape juice with nicotine as it will allow you to reduce your nicotine consumption over time. When you inhale, an e-liquid turns into vapor thus mimicking traditional cigarette smoke. If you do not want to have nicotine in your e-juice, you should opt for nicotine-free varieties.
An
e-juice contains a few base ingredients: vegetable glycerin,
propylene glycol, or a mixture of both. VG and PG are usually
combined with natural and artificial flavors such as chocolate,
watermelon, and vanilla to create a satisfying and distinct recipe.
VG is a thick and sweet liquid that is based on veggies.
On
the other hand, PG carries flavor in food products. Combining it with
VG creates a better product than using 100 percent PG. If you have no
idea how to choose the right combination, you should consider
experimenting with different ratios. When you try different PG/VG
ratios, you will be able to find your favorite one.
Conclusion
As
you can see, the
world of vaping is not straightforward. You will have
to try different things to find the best vaping products for your
needs. Consider asking for advice from long term vapers.
Alternative medicine is nothing new; in fact, archaeologists have found traces of medicinal plants dating back as far as 60,000 years ago! If you are an entrepreneur and would like to help people use private label supplements to improve their health and wellness, be informed about your new venture.
Decide on the Target Audience
What kind of vitamin shop would you like to open? Keep your target audience in mind. Think about who you are selling for and stock products accordingly. You might also look into private label dropship for a more convenient way of ordering stock.
If athletes are your key demographic, some logical products would be things like protein powders, calcium, zinc and antioxidants. You might also stock more than vitamins and carry products like ACE bandages, slings and ointment.
Elderly people’s bones are more brittle as they age, so proper nutrition and the right supplements are important in their daily lives. Some of these might include vitamin B12 for proper digestion; calcium for bone and joint strength; and vitamin D for energy.
What about a medicinal marijuana or CBD store for patients of chronic illness or pain? Since marijuana is still federally illegal in the United States, know the laws in your area before considering this kind of store.
Photo Source: en.wikipedia.org
Product and Inventory
Remember this rule of thumb when beginning any retail business: do not sell anything that you, yourself, would not use. That being said, do not buy a stock of product simply because it’s cheap. Understand what you are buying, how it is manufactured, and if it is FDA and GMP-certified. If you would not be comfortable putting one of your own products into your body, it’s bad business to try and sell it to customers. Contact several vendors and have a list of questions ready to go beforehand. Some questions to ask might be:
What are your safety standards for your supplements? How do you process and manufacture them? What certifications can you show me and are you able to produce a liability insurance certificate?
What is the price? My payment terms? Are you firm on your price or is there wiggle room?
How long have you been in business? How long have you been producing this product? May I have references?
Insurance and Liability
You don’t want to be held responsible for someone who misuses your products and tries to sue you. Cover yourself and your company by knowing the laws and legalities and by investing in insurance.
Find an insurance company that specializes in business law. Ask questions, understand the process inside and out, and purchase a plan that works best for you and your situation.
Speak to an attorney if you have questions about your legal rights, as well as what customers can and cannot use against you in a potential lawsuit.
Financing and Taxes
Starting any business requires money, so have a plan as to where that money will come from. Remember that you will be filing business taxes from here on out, so consult your accountant or financial advisor for the best tips on how to do that.
Contact banks for taking out a business loan. This process can be a bit complex, so again, speak to your financial consultant before doing so.
Open a business bank account. This will keep your personal money separate from your business funds and will make tax season much easier.
Save and document ALL spending. This can be simplified by using spreadsheet software like Microsoft Excel, or for a free version you can also use Google Sheets.
As more studies are done and scientific research validates the good in daily vitamins and supplements, natural remedies are becoming increasingly popular in the United States. Know what you are selling, be educated on the products and be cautious when advising consumers.
With several dental secrets floating around the internet, there has been a rise in the number of cheap dental implant providers in London and other locations up and down the UK which are becoming more and more popular. This is due to the amazing results that they provide at a significantly lower cost. Here we are going to look at some of the other well-kept secrets that you need to know before your next visit to the dentist.
One of the secrets that dentists will never tell you is that you do not need to visit the dentist every six months, but rather once every year- this is only if your oral hygiene is as up to date! It is important that you visit the dentist as quickly as possible if you are feeling any discomfort as this could be the beginning signs of a much bigger issue.
Oil
Pulling Does Work
Another secret that dentists will never
tell you is that oil pulling does work. This unorthodox method of whitening
teeth is often glossed over by dentists who would much rather you opt for a conventional
tooth whitening method in their office which could cost you significantly more.
This is an at-home treatment that uses oils such as coconut oil to gradually
remove the stains from your teeth without the use of harsh chemicals or even a
visit to the dentist. With some simple online research, you can undertake an
oil pulling treatment at home completely risk-free.
Fluoride
Is Not All Bad
Many sources have been reporting on the use
of fluoride in oral hygiene for several years with differing results. Although
it is scientifically proven that too much fluoride can be harmful to the teeth,
it has also been proven that a little amount of fluoride can gradually
strengthen the teeth and help to strengthen enamel. This small amount of
fluoride can be found in specialised mouthwash and can be added to your every
day routine with ease. This is vital as this ensures that you have the fluoride
that you need to keep the teeth health without using to much.
Fish
tanks Are There To Calm The Patient
The fish tank that you often see in the
dentist isn’t just for decoration. This fish tank is most likely there to calm
the patients in the waiting room by creating a calming environment. With a
combination of bright coloured fish and the calming whir of the pump, this can
help to calm those that are waiting whilst creating a
calming environment post-treatment. This is particularly beneficial for those
that fear the dentist as this is a distraction tactic to help calm the patient
and ensure that they are feeling as relaxed as possible both before and after.
Each of these are top tips that your
dentists do not want you to know and are something that you can look out for on
your next trip.
Ask any retail expert and they will tell you that online is the place to be. Old-school bricks and mortar shops still have their place, but the explosive growth and market expansion is all happening on the internet. Outfits like Alibaba, Shopify and Wish have led the way, but there are countless other niche stores, smaller operations and of course online presences for traditional retailers. The reality is that online increases the size of the shopper base exponentially while at the same time lowering costs – you need fewer staff, cheaper premises and you don’t need to hold such large amounts of stock. It is a retailer’s dream. But in an already competitive market, how do you end up with clients? Here are a few tips and ideas that you might want to consider.
Drive traffic smartly
A site with no traffic is never going to manage any sales, so make sure that you know what you are doing in terms of acquiring traffic. Either through paid search or organic search, or both, you want to ensure that when people look for items that you stock, that you are positioned at the top of the Google results page. This is something that can be achieved through a national SEO campaign, something strategic that is run and managed for you by an agency that specialises in this type of work. You could look to hire your own internal expert to take care of this important process, but the reality is that when starting out it might be too expensive to hire a fulltime SEO expert.
Know your market
You are doomed to fail if you think that just because you have a potential base the size of the world’s population that you are going to get rich. The truth is that there are a lot of companies out there who are a lot more established than you are and who have a significantly greater budget for advertising and acquisition. So, you need to be very good at what you do, and you need to have something that sets you apart from the rest. Do one thing and do it well. Don’t try to be the next Alibaba, rather set yourself up to cater for a niche audience. Be the best place to buy socks, or be a lip-gloss specialist, or a kitchenware site. Whatever it is, know the market and the product and don’t try to be all things to all people.
Make payment easy
Paying for online purchases is the biggest failure point for transactions, so make sure that once you have landed a client that you are able to finish the deal. Credit card payments from as many types of card are essential. Being able to accept online wallets and payment systems like PayPal, is also important. If you are able to process Crypto-currencies even better. In short, the easier it is to pay, without login details and passwords and other verifications, the more likely you are going to be to have successful transactions.
Members of the Venezuelan government
say they are putting down a small coup attempt after opposition leader Juan
Guaido announced he was in the “final phase” of ending President
Nicolas Maduro’s rule.
He appeared in a video with
uniformed men, saying he had military support.
Juan Guaido, who declared himself
interim president in January, called for more members of the military to help
him end Nicolas Maduro’s “usurpation” of power.
However, military leaders appeared
to be standing behind Nicolas Maduro.
Venezuela’s defense minister
appeared on TV to stress the point. However, pictures from Caracas show some
soldiers aligning themselves with Juan Guaido’s supporters.
Nicolas Maduro’s detractors hope the
military will change its allegiance as resentment grows following years of
hyperinflation, power cuts, food and medicine shortages.
So far, the armed forces have stood
by President Maduro – despite dozens of countries, including the UK, the US and
most of Latin America, recognizing Juan Guaido as Venezuela’s rightful leader.
As a result, John Bolton, the US
national security adviser, said what was taking place in Venezuela was not a
coup, but a legitimate leader trying to take control.
Protesters supporting both sides
have gathered at different points in the capital, Caracas.
There are running clashes between
Juan Guaido’s supporters and armed military vehicles. Protesters were also seen
throwing rocks, but being repelled by tear gas and water cannon.
TV cameras also caught the moment
armored vehicles drove into a crowd but it is unclear if there were any
injuries.
According to El Universal newspaper, at least 37 people had been injured across
Caracas.
Meanwhile, Venezuelan Defense Minister Vladimir Padrino said the uprising by
some members of the military had been “partly defeated”, but warned
of possible bloodshed.
He warned: “The weapons of the
republic are here to defend the nation’s sovereignty and independence.”
Vladimir Padrino also revealed one soldier had suffered a bullet wound.
A three-minute video by Juan Guaido was published on April 30. In the video,
he announced he had the support of “brave soldiers” in Caracas.
“The National Armed Forces have
taken the correct decision… they are guaranteed to be on the right side of
history,” he said.
Juan Guaido was filmed alongside
another opposition leader, Leopoldo Lopez, who has been under house arrest
since being found guilty of inciting violence during anti-government protests
in 2014.
Leopoldo Lopez, who leads the
Popular Will party of which Juan Guaido is a member, said he had been freed by
members of the military.
He went on to urge Venezuelans to
join them on the streets.
Meanwhile, Chile’s Ministry of
Foreign Affairs revealed he, his wife Lilian Tintori and their daughter had
entered Chile’s embassy in Caracas to seek protection.
Juan Guaido, the president of the
opposition-controlled National Assembly, has been calling on the military to
back him ever since he declared himself interim president.
He argues that President Nicolas Maduro is a “usurper” because he
was re-elected in polls that had been widely disputed.
The video appeared to have been recorded at dawn in or near La Carlota air force base in Caracas.
According to a recent research,
published in the journal Brain, millions
of elderly people have a form of dementia that has been misdiagnosed as Alzheimer’s
disease.
One expert called it the most
important dementia finding in years.
The condition, limbic-predominant
age-related TDP-43 encephalopathy, or Late,
shares similar symptoms to Alzheimer’s, but it is a distinct disease.
The new discovery may partly explain
why finding a dementia cure has failed so far.
Dementia is not a single disease,
but is the name for a group of symptoms that include problems with memory and
thinking.
There are lots of different types of
dementia and Alzheimer’s is said to be the most common and most researched.
However, up to a third of Alzheimer’s in elderly people may instead be Late,
says the international team of researchers, although both dementias can
co-exist.
The newly discovered dementia appears to affect the “oldest old” –
people over 80 – according to the work that looked at evidence from thousands
of post-mortem results.
One in five in this age group has it, meaning the public health impact of
the disease will be large, say the researchers.
Unlike Alzheimer’s, Late tends to cause a more gradual decline in memory,
they believe.
Currently, there is no specific single test for dementia.
Signs of it can sometimes be seen in the brain after death.
Late appears to be linked to the accumulation of a certain protein, TDP-43,
in the brain, while Alzheimer’s is linked to two other brain proteins – amyloid
and tau.
Scientists have been striving to find a cure for dementia, but with so many
different types and causes of the disease, the goal has proved difficult.
Trials of drugs to reduce proteins in the brain that were thought to cause
Alzheimer’s have failed.
There have been no effective new treatments and some pharmaceutical
companies have dropped out of the dementia drug race.
According to researchers, having a better understanding of Late might lead
to the discovery of new treatments.
Japan’s Emperor Akihito has abdicated at the
age of 85 in a historic ceremony at the Imperial Palace in Tokyo.
In his last public address as emperor, the emperor handed over the symbols
of power and thanked the public for their support during his 30-year reign.
He was given permission to abdicate after saying he felt unable to fulfill
his role because of his age and declining health.
Akihito is the first Japanese monarch to stand down in more than 200 years.
He technically remained emperor until midnight, local time.
Crown Prince Naruhito, the emperor’s eldest son, formally ascends the throne
on May 1. A new era – called Reiwa, meaning order and harmony – will begin in
Japan’s unique calendar.
While the Japanese emperor holds no
political power, he serves as a national figurehead.
Akihito has endeared himself to many
people during his reign as he has interacted with those suffering from disease
and disaster.
In the morning, Akihito took part in
a Shinto ceremony to report his plans to the mythological ancestors of Japan’s
imperial family.
The main “Ceremony of the Abdication” took place in a state room
of the Imperial Palace in front of about 300 people including PM Shinzo Abe,
Crown Prince Naruhito, and Crown Princess Masako.
Imperial chamberlains carried the state and privy seals into the hall, along
with a sacred sword and a jewel which are considered symbols of the imperial
family.
In a short ceremony, PM Shinzo Abe addressed the emperor, saying: “While keeping in our hearts the path
that the emperor has walked, we will make utmost efforts to create a bright
future for a proud Japan that is full of peace and hope.”
In his final speech as emperor, Akihito said: “I am deeply grateful for the people that accepted me as a symbol
and supported me.”
“I sincerely wish, together with the empress, that the
Reiwa era which begins tomorrow will be a stable and fruitful one,” he added.
“I pray, with all my heart, for peace and happiness for
all the people in Japan and around the world.”
Emperor Akihito had surgery for
prostate cancer in 2003 and a heart bypass operation in 2012.
In a rare speech in 2016, he said
that he feared his age would make it hard for him to carry out his duties and
strongly hinted that he wanted to stand down.
Opinion polls showed that the vast
majority of Japan sympathized with him, and a year later parliament enacted a
law that made his abdication possible.
Crown Prince Naruhito, 59, will
become Japan’s 126th emperor – and will officially lead the country into the
new Reiwa era. It will mark the end of the current Heisei era, which began when
Akihito ascended the throne in 1989.
Naruhito, an Oxford University graduate, is married to Crown Princess
Masako. Their only child, Princess Aiko, was born in 2001.
Japan’s current law prohibits women from inheriting the throne, so Princess
Aiko’s uncle Prince Fumihito is now first in line, followed by her cousin,
12-year-old Prince Hisahito.
Japan’s monarchy is the oldest continuing hereditary monarchy in the world.
Legends date it back to about 600 BC.
The emperors used to be seen as gods, but Hirohito – the father of Akihito –
publicly renounced his divinity as part of Japan’s surrender at the end of
World War Two.
It was Emperor Akihito who helped repair Japan’s post-war reputation.
Previous emperors rarely interacted with the public, but Akihito redefined
the role – and has come to be known for his compassion.
He also took up the role of a diplomat, becoming an unofficial ambassador
for Japan and travelling abroad extensively.
While Akihito’s abdication was the first in 200 years, it wasn’t so rare
historically.
According to Japan’s state broadcaster NHK, about half the emperors or empresses have done the same, and it happened frequently from the 8th Century to the 19th Century.
President Donald Trump has issued a memorandum
saying that asylum seekers should pay a fee to have their applications
processed in the latest move in his crackdown on migration.
The presidential memorandum, issued on April 29, called for a slew of new
rules.
The president also wants to disqualify asylum seekers who enter the US
illegally from obtaining temporary work permits.
Critics say that fees would put the process out of reach for many people.
In his memo, President Trump said the fee would not exceed the cost of
processing the applications, but estimates have not yet been provided of what
this may be.
The vast majority of countries do not charge asylum application fees.
Victoria Neilson, a former official at US Citizenship and Immigration
Services, the government agency that accepts asylum applications, told Reuters:
“The majority of people coming to
the United States seeking asylum are coming with little more than the shirts on
their back.”
Under the current system, asylum seekers who enter the US both legally and
illegally are allowed to work while their claims are processed.
President Trump said regulations should be drawn up to ensure that asylum
claims are adjudicated in immigration court within 180 days, except under
exceptional circumstances.
While asylum cases are already meant to be finished within this timeframe, a
backlog of more than 800,000 cases means that asylum claims can take years to
be completed.
The orders given by President Trump to the Justice Department and Department
of Homeland Security mark a dramatic shift in US policy.
The president has given officials 90 days to come up with the new
regulations.
The orders come amid Donald Trump’s efforts to stem the surge of Central American migrants trying to cross into the US.
Whether you are in charge of a large or small business, you rely on a constant streamline of communications between your business management and your clients to ensure they receive the best possible service. The better your communication, the more likely your customers will trust your brand and remain loyal to you, especially if you address all of their concerns. However, do you truly know how well your Communications function for your audience? If you are looking for a way to make sure that your Communication Tools are up to standard, why not initiate a Communications Audit to ensure that your services are the best that they can be?
What is a Communications Audit?
A Communications Audit is an evaluation of an organisation’s communication programmes. This includes sending, receiving and sharing information with a potential audience. The better the communication the more proficient your tools clearly are. It will also determine how efficient your organisation’s communication strategies, activities and programs are.
Image source Pexels
What is the Process of a Communications Audit?
A Communications Audit can be split into four separate areas. These include:
Research: Where your internal team is researched and information is drawn out about their communication conduct through research and interviews. It will also look into key communication channels of your business.
Analysis: This is where the Research is filtered and put into context, such as what your business is marketing towards and your customer service. It will also include a SWOT analysis of your business .
Recommendations: Once your communications have been analysed, the strong and weak points will be noted and recommendations will be made on how to improve them.
Future Plans: Looking ahead, the recommendations will then be used to improve the business for the future. You can also use it to determine what future resources you will need to grow your company.
Why does your Company need a Communications Audit?
If you are looking for a way to improve your marketing plans then a Communications Audit is truly the perfect way for you to get to know your audience. Whilst it is known that there are challenges of implementing unified communications, this does not detract from the fact that you can research into what sort of communications best fit with your audience’s daily lives. You can also use it to utilise your businesses approach into potential goals, challenges and what your business aims to accomplish in the future.
Your research can also focus on both internal and external research about your company. Are you experiencing growth because your clients can reach your staff by email or by phone? Which of these is more effective for your brand? A Communications Audit will give you an insight into the best methods.
A Communications Audit can help improve the communication within your business and will allow you to build trust between your employees. This is because the internal communications will allow your employees to focus on their work, as well as allow them to feel valued and listened to if their communications are easily accessible by management.
Real estate is a wise and
popular investment option for several reasons including great returns, tax
benefits, and increased value over time. When hopeful investors think about
obtaining financing for real estate, the set conditions from traditional
lenders stop many of them in their tracks. These include high credit scores,
low debt-to-income (DTI) ratio, and a down payment of up to 30%.
Banks put these stringent
requirements in place after the economic downturn in 2008 and sadly, not
everyone can meet them. Even with all the necessary requirements, it can be a
lengthy and agonizing process. Fortunately, non-conventional methods of
financing have enabled eager investors to realize their dreams of becoming
property owners, and in a short time.
These financing alternatives are hard money and private money. Although they both have advantages over traditional lending, they also have downsides. Borrowers must thoroughly research each alternative and each lender to ensure all is a good fit and to avoid disastrous situations.
What
is Hard Money?
Hard money is a short term,
asset-based type of loan. A hard money loan is suitable for purchasing land,
construction, fixer-uppers, and flips. You can get it from a group of
investors or a company. Unlike usual lenders, hard money lenders are more
interested in the value of the property than your credit report.
The words ‘hard money’ does not
imply that this financing is difficult to acquire. On the contrary, it’s quite
easy. It actually defines the property being a hard asset. When borrowers have
been frustrated by the banks, or they require quick financing, this is a great
alternative. The typical payment period is 1 year although it can be increased
up to 2-5 years.
Other requirements by lenders may include:
Property type
The geographical location (some
lenders provide their services locally or to particular states)
Some may even ask you how many
homes you flipped; the higher the number of homes you flipped that have had
good repayment records lowers your interest rate
Borrower’s plan for the
property. The lender may want to know the borrower’s intentions, for example,
whether they plan to renovate the property or obtain further financing over the
long run.
Properties Financed by Hard Money Loans
Any kind of property can be financed by a hard money loan, including commercial property, land, residential property and industrial property. A few lenders may specify a niche, for example, commercial and not residential. Very few lenders will transact with owner-occupied properties. They involve extra requirements and include loads of paperwork.
What is Private Money?
Private money is short-term
financing borrowed from an individual who could be a friend or family member
and can be used for financing real estate transactions. The characteristics and
benefits are basically similar to those of hard money.
Benefits of Hard Money and
Private Money
Quick Approval Process
The process of obtaining the loan from www.justrightloans.com is quick and straightforward. It can take a maximum of two weeks as opposed to a bank’s usual 30-40 days. No time is wasted on filling and signing piles of paperwork or checking your credit history. Lenders make decisions fast. They focus more on the property.
As long as the collateral has
good value, they are not worried about whether you will make the payments or
not. They will simply sell off the property and probably make more money than
what you would have paid back.
Flexible Agreements
Unlike traditional lenders who have their rules set in stone, hard money lenders assess borrowers on a case-by-case basis. This means that you can come to terms about extending your repayment period based on your state of affairs.
Downsides to Hard Money
Financing
High-Interest Rates
Interest rates differ for each lender and each geographical
location. Areas with several money lending firms will charge lower because of
competition. Loans from hard money lenders are high risk, and so they will
charge high-interest, usually between 10% and 15%.
High origination free
Hard money lenders will charge a high fee for processing your loan application because the loan is risky. They can charge as much as 5% of the loan compared to banks, which might charge only 1%.
Short Repayment Period
While
mortgages typically have long repayment periods of 30-40 years, these loans
have a very short period of up to a maximum of 5 years. Real estate properties
are not cheap and normally require a longer period to pay back unless the
property is highly profitable.
Before
taking on a private or hard loan, borrowers should ascertain how long it would
take for the property to become profitable. Then they can see whether the
repayment period is feasible.
Hard money lenders use a loan-to-value (LTV) ratio to decide on
the amount of the loan. Most of these lenders provide between 65 and 75% of the
total value of the property. They maintain a low LTV ratio so that it’s easy
for them to put the property on the market with the likelihood of getting back
their money.
Some lenders will use the after-repair value (ARV) to determine the total amount of the loan. This is the future value of a property after it has been renovated by the borrower. A few lenders may even offer to cover the rehabilitation costs of the property on top of a high percentage of the ARV. This would seem attractive to the borrower; however, it makes the deal riskier because of even higher interest rates of up to 18%. If the property is highly profitable, it would be better for the borrower to cover the rehab costs.
Lenders You Should Avoid
Some hard money lenders have ruined the industry’s name with predatory lending actions. They intentionally provide high-risk loans so that the borrower is in a position of not being able to pay. They exploit the borrower’s inability to understand certain financial terms regarding loans.
Sometimes lenders will bait borrowers with
attractive schemes and then, later on, switch the scheme without the borrower
knowing.
They only discover these several months later when their subsequent payments are much higher. After a thorough investigation, they realize that there was a modification on the interest rate that they were not informed about. Eventually, the lenders end up owning borrower’s property when borrowers fail to pay, as was their intention all along.
Be careful not
to fall prey to predatory lenders. The loan may be quick and easy to get, but
you need to do thorough research, preferably with referrals if possible. Check
your documents completely to make sure that they are consistent with what was
agreed. Getting educated with financial terms can save you from a
predatory lender.
The US
Department of Housing and Urban Development has put on controls to eliminate
this unscrupulous behavior. Many money lenders have adjusted their operations
by further assessing the eligibility of borrowers through income documents.
Finding
the Right Hard Money Lender
You can find
the right money lender by starting with a Google search. Type in ‘your area’ +
‘hard money lenders.’ This will bring up a list of lenders that you can
contact. If
you have real estate clubs in your neighborhood, you could attend the meetings
and find out from other investors.
The lender should ideally have
a great track record and should cater to customers’ needs first. You can check
out their website for reviews and meet with them to decide if they are the
right fit for you. Stay away from lenders who have no reputation to speak of.
If you’re new to private
lending, the lender should have several years of experience as well. You need
to deal with a transparent, qualified professional who will provide sufficient
knowledge about these loans, including the good and bad. This will help you
weigh your options.
Although alternative lenders typically charge a high-interest rate, they aren’t all the same. You can still do some digging around to compare and find the one with the best rate for you.
Wrap
Up
Every lending opportunity has a
good and bad side. The point is that you choose the one that works for your
situation. If you are an investor looking for lending alternatives, hopefully,
the above information has given you some confidence. You can now approach hard
money and private money knowing what to expect.
Kim Jong-un has arrived in Vladivostok, Russia,
for a summit with President Vladimir Putin.
The North Korean leader arrived by train in the Pacific Coast for his first
talks with the Russian president, which are expected to start on April 25.
Kim Jong-un was welcomed by officials with a traditional offering of bread
and salt.
Russia says they will discuss the Korean peninsula’s “nuclear
problem” but Kim Jong-un is also said to be seeking support after talks
with the US failed.
President Donald Trump and Kim Jong-un met in Hanoi earlier this year to
discuss North Korea’s nuclear weapons program but the summit – their second –
ended without agreement.
The North Korean leader greeted Russian officials warmly on his arrival in
Vladivostok.
After tasting traditional korovai bread and salt, Kim Jong-un was
entertained by a brass band before he got inside a car flanked by bodyguards
who – in now familiar scenes – jogged alongside the vehicle as it departed.
He told Russian TV earlier, after
crossing the border at Khasan: “I
arrived in Russia bearing the warm feelings of our people, and as I already
said, I hope this visit will be successful and useful.
“I hope that during the talks with respected President
Putin, I will be able to discuss in a concrete manner issues relating to the
settlement of the situation on the Korean peninsula, and to the development of
our bilateral relations.”
The summit is due to take place on
April 25 at about 13:00 local time on Russky island, just off Vladivostok,
Russian presidential spokesman Dmitry Peskov was quoted as saying by Russia’s
Interfax news agency.
Russian and North Korean national
flags are already in place on the island, where the leaders are expected to
meet on a university campus.
Vladimir Putin was expected to
arrive for the summit later.
According to his spokesman, the
Kremlin believes the six-party talks on North Korea, which are currently
stalled, are the only efficient way of addressing the issue of nuclear weapons
on the Korean peninsula.
Those talks, which began in 2003,
involve the two Koreas as well as China, Japan, Russia and the US.
North Korea has blamed Secretary of
State Mike Pompeo for the collapse of the Hanoi summit in February.
Earlier this month, North Korea
demanded that Mike Pompeo be removed from nuclear talks, accusing him of
“talking nonsense” and asking for someone “more careful” to
replace him.
The summit is also an opportunity
for Pyongyang to show that its economic future does not depend solely on the US.
Kim Jong-un may also try to put
pressure on Moscow to ease sanctions.
Analysts believe this summit is a
chance for Russia to show that it is an important player on the Korean
peninsula.
President Vladimir Putin has been
eager to meet Kim Jong-un for quite some time. Yet amid the two Trump-Kim
summits, the Kremlin has been somewhat sidelined.
Russia, like the US and China, is uncomfortable with North Korea being a nuclear state.
If you’ve suffered severe or long-term injuries while on public or work property or you believe your injury was the fault of someone else, it could be a good idea to hire a personal injury lawyer.
Personal injury cases are complicated and trying to handle a claim yourself could wind up getting you an extremely low pay-out as a nuisance claim paid by an insurance company just to make you go away.
Only 4-5% of personal injury claims go to trial. The rest are settled out of court. Of the cases that do go to court, 90% lose. A good personal injury lawyer can help you avoid going to trial and get you maximum compensation for your claim.
Keep reading for times it’s necessary to hire a personal injury lawyer and find out why it is advised over trying to represent yourself.
1. If an Injury Has Affected Your Ability to Work
If you’ve suffered a long-term injury that has caused you to miss work, and you believe someone else is at fault, the expertise of a personal injury lawyer will help to calculate the total amount of compensation you are entitled to.
Unless you have a law background yourself, you won’t be equipped to fully understand the implications of the injury and how it affects your income long-term.
You might end up missing out on available compensation without professional legal representation.
2. If You Believe Your Injury Was Someone Else’s Fault
The most common types of personal injury cases are motor vehicle accidents, work-related injuries, medical malpractice, and negligence.
If you believe you have been injured under any of these circumstances, and you have proof, it’s very likely you are entitled to compensation.
However, no personal injury case is as simple as it seems. Most insurance companies will do whatever they can do to deny a claim. This is where the expertise of a lawyer comes in.
3. If You May Have Been Partially At Fault
Especially in messy motor vehicle accidents where there is more than one injured party, you could be partially at fault for your own injuries, as well as the injuries of other involved parties.
In these cases, it is especially helpful to hire a personal injury lawyer, as they have the experience and expertise to protect you against counter-claims. They also understand how to preserve and present evidence.
4. If You’re Worried About Money
Trying to represent yourself could end up costing you more. Most personal injury lawyers work on a contingency basis, meaning they only collect fees if they win your case. There is usually no fee required up front.
If you try to handle your own case, not only is there a higher chance of losing, it can also end up costing you more time and money than it’s worth. Especially if there are counter-claims involved.
5. If Your Injuries Are Severe
Insurance companies assess injury cases based on the type of injury sustained, the amount paid in medical bills and total recovery time. In some cases, severe injuries can exceed the limits of the at-fault person’s insurance policy.
A personal injury lawyer knows how to navigate through the red tape of insurance policies and will work on your behalf to ensure you receive the total amount of compensation for costs incurred, even if it exceeds the policy.
6. If You Are Not Comfortable with The Legal Process
Most people have very little understanding of how the law actually works. While it might be tempting to try to avoid the costs of a lawyer when dealing with a personal injury claim, your lack of expertise could end up costing you much more.
A personal injury lawyer will bring years of experience to the table and will know how to negotiate and handle complex situations that almost definitely will arise during the claim process.
7. If an Insurance Company Has Agreed to Pay You a Low Amount
Often times when unrepresented people file a claim, the at-fault party’s insurance company will view the claim as unworthy of their time.
This is because they are assuming (often correctly) that a person without legal representation has little or no understanding of the law and won’t have the knowledge or resources to fight back.
These small claim payments are referred to as nuisance payments. It’s when an insurance company offers a ridiculously low amount as a pay-off to make the claim ‘go away’.
Hiring a lawyer will eliminate this risk altogether. Insurance companies respond a lot better to professional lawyers as they know a lawyer has the means to win.
8. If You’re Being Wrongfully Sued
If someone has filed a claim against you and you want to dispute it, a personal injury lawyer can save you a huge amount of time, headache and possibly money.
Disputing a case yourself, especially against someone who is represented by legal counsel will not end well.
Even if you know you are not at fault, disputing a claim is a long and arduous process and is best handled by a professional.
9. If an Insurance Company Refuses to Pay
If you’ve tried to handle a case yourself and the at-fault party’s insurance company refuses to pay, this is the time to hire a personal injury lawyer.
Insurance companies will refuse to pay for any reason they can. If they are denying their client’s liability, you will have to enter into a complex appeal process that could end up in court.
A lawyer will know what evidence to provide and how to present it in a way that can protect you.
Other Reasons to Hire a Personal Injury Lawyer
They have experience that you do not. They know how to negotiate, investigate and present information in a way that will maximize the chances of winning your case.
You have nothing to lose by hiring a lawyer. Since most personal injury lawyers don’t take payment until the settlement is won, you won’t have to pay a penny if your case doesn’t win.
Do your research and choose a lawyer with experience in the specific area of your personal injury claim. Choose one who you can be open and honest with, and who has a track record of success.
If you don’t know where to start, visit these lawyers who have a proven high success rate for personal injury cases and work on a contingency basis.
To Summarize
20 to 50 Americans per year get severely injured in motor vehicle accidents alone. Hiring a personal injury lawyer can be the difference between getting properly compensated and being left to deal with the aftermath of an injury yourself.
We hope this article cleared up any confusion around hiring a lawyer versus trying to handle a personal injury claim yourself. Visit our business blog for more information on how to find a good lawyer.
What’s the first thing that comes to mind when you hear those words? If you’re like most people, you think of someone facing criminal charges – most likely murder or theft.
Well, you don’t have to be a criminal suspect to need an attorney. In fact, in some instances, you don’t have to be navigating the court system to need an attorney. Even some mundane tasks such as signing a rental agreement can need the input of an attorney.
Ready to learn about some of the most important instances where you should hire an attorney?
Let’s get into it!
Guy and businesswoman talking in a job interview in an office
1. You’re Starting a Business
In a country where 69 percent of entrepreneurs start their businesses from home, it can be difficult to see a need to hire a business attorney. After all, lower startup costs are the main reason home-based businesses are popular, so not many entrepreneurs have the money to spend on legal services.
However, hiring an attorney when you’re starting a business is a smart move, and here is why.
Let’s say you have a groundbreaking product, and you can’t wait to take it to market. With an attorney on your team, you’ll be reminded to first file a patent before starting selling it. The lawyer will file for the patent on your behalf.
Other tasks a commercial attorney can help include:
Drafting business/partnership contracts
Providing counsel on commercial/corporate law
Negotiating business deals.
2. You’ve Sustained a Personal Injury
Not all personal injuries require an attorney. If you chop off your finger while preparing dinner, you’re responsible for your own misfortune. Or if your pet dog goes rogue and bites you, the only professional service you need is medical attention.
But if you’ve sustained a personal injury as a result of someone else negligence, you may need to hire an attorney at some point.
For instance, if you’re involved in a car accident and another driver is at fault, you’re going to need the driver’s insurance company to compensate you for your injuries and damages. A personal injury lawyer will help you negotiate the settlement and ensure you get the money you deserve.
Similarly, if you’re injured on the job, you’ll need to hire a personal injury attorney to represent you in the compensation negotiations. And if the employer’s insurer doesn’t make you a satisfactory offer, the attorney can sue them in court.
Suddenly, you’ve got mail! It’s the Internal Revenue Service, and you’re in for an audit.
Who’s the first person you call? If you’re a smart guy, you’d call a tax attorney.
These professionals know tax law inside out. They’ll examine whatever tax situation you’re facing and offer a solution. If the IRS is suing you, this is the lawyer you want leading your defense team.
4. You’re in Serious Debt
The average American is over $30,000 in debt – and this is excluding home loans.
Clearly, debt is a major issue in the US, and if you’re not financially savvy, you can easily end up borrowing more than you can manage to pay. If you spiral into this situation, your lenders can come after your assets, especially if you’ve secured debt.
Do you want to lose your car, home, or any other prized asset?
The answer is no, and the only way to keep collection agencies at bay is to file for bankruptcy. However, filing for bankruptcy is a complex process. From figuring out which type of bankruptcy suits your situation to filling out the paperwork, a newbie cannot hack it.
The solution? Hire a bankruptcy lawyer.
This professional will counsel you about the process, including the risks involved, prepare the paperwork, and handle any litigation on your behalf.
If yes, it’s understandable that thinking about and planning for your death is a heavy issue. But let’s face it: death is coming. And when it comes, it better finds your estate in order; otherwise, there could be chaos, with your next of kin fighting over your assets.
Writing a will eliminates such scenarios. It gives you an opportunity to not only allocate your wealth accordingly but also decide who’ll make medical decisions in the event that you’re incapacitated.
A will can be a simple document, especially if you don’t have much to your name. But if your estate is large, things can get complex. Either way, it’s a smart idea to get an estate planning attorney to help you understand the process and make the right decisions.
Don’t wait until it’s too late to start planning your estate.
6. You’re Suspected of Committing a Crime
Get this: you don’t need to be guilty of a crime to hire a criminal lawyer.
Yes, you could be as clean as whistle, but left to your own devices, you might not be able to prove it – and the prosecution will have a field day nailing your butt. Really, it’s a flaw in the American justice system. Far too many people – as many as 230,000 – are locked away for crimes they didn’t commit, and for many of those, it’s because they couldn’t afford a lawyer.
So if you’re facing criminal charges, lawyer up!
What’s more, there are different types of criminal lawyers. The one you should hire depends on the type of criminal offense you’re suspected of committing.
For example, if you’re suspected of manslaughter, you need a manslaughter charge lawyer. If you’re facing a DUI charge, hire a DUI lawyer.
And if you’re suspected of dealing drugs, get a drug lawyer. On that note, be sure to learn more about how a drug lawyer can help you.
7. You’re Facing a Family Issue
Divorce is the first thing that bursts to mind when a family lawyer is mentioned. Who can blame you?
America is a country of divorcees. With about 50 percent of all marriages ending in divorce, family attorneys are some of the more sought after professionals.
It goes without saying that if you’re in the middle of a divorce, you should hire a family attorney – specifically one who specializes in divorce. If you’re not able to agree with your soon-to-be ex-spouse on issues such as property division, children, and support, your attorney can help you reach an amicable agreement. They’ll also take care of the necessary paperwork.
That being said, there are other instances where you may want the services of a family lawyer:
You want to draw up prenuptial and postnuptial agreements
You’re a victim or perpetrator of domestic violence
You want to adopt a child
You’re not sure about the paternity of your children
You’re accused of neglecting your children.
8. You’re a Victim of Medical Malpractice
When you go to a health facility to get treatment, a misdiagnosis or getting the wrong treatment is the last thing on your mind. Physicians go through extensive training so that they never have to make such mistakes.
However, medical malpractice, whether through omission or negligence, is a common theme. Every year, about 250,000 people in the US die due to medical malpractice. Many more sustain serious injuries.
If you or your loved one is a victim of medical malpractice, you need to sue the health worker and even the health facility. This is why you must hire a medical malpractice lawyer.
These professionals have a good grasp of both the law and medicine. They’ll review your situation and help you get justice, be it in terms of adequate monetary compensation or ensuring the defendant gets jail time.
9. You Need Immigration Help
The Trump administration is actively pushing for tougher immigration laws and policies, which means it’s an unsettling time for immigrants.
If you’ve been caught up in an immigration issue and you’re facing deportation, hire an immigration attorney. They could be your last line of defense.
There are also other immigration issues that need the input of an immigration attorney. If you’re looking to immigrate to another country, you need an attorney who’s well-versed with the country’s visa rules. Other instances include when you’re applying for citizenship or permanent residency status, or looking to obtain proof of citizenship.
Know When to Hire an Attorney
Most attorneys charge a premium for their services, which is the reason most people go to them as a last resort.
However, as this article demonstrates, there are instances when you first order of business should be to hire an attorney – and not just any attorney, but an attorney who specializes in the resolving the issues you’re facing.
