I Actually Like Cruises Now

Posted by on Nov 26, 2017 in Dock Injuries | 0 comments

I once told a friend that if I ever set foot on a cruise, it would have to be at gunpoint. I simply hated the idea of them. People just sitting around, being lazy, getting pushed around the sea or the ocean so they can dip their toes in the water for half an hour and then go watch hokey shows on the ship and eat bad buffet food.

That was my opinion a few years ago, and now…I’d say my opinion has changed, or rather the facts remain the same, but all the sudden it sounds pretty good.

What really changed was that I had a kid. Suddenly, my life was super busy and super stressful. A few years ago, I was full of energy and ready to go climb mountains and explore new cities when I had a break, now, I just want to sleep, or do something as close to sleeping as possible that still counts as activity.

So now, a cruise sounds like the best idea ever invented. Bad buffet food? That means I don’t have to cook or go pick up food from a restaurant. Hokey shows? So I can just walk a few feet and be entertained for a couple hours? Deal. Sitting around and having others drive me around the Caribbean so I can put my feet in the water for thirty minutes? That sounds like the best way to feel like I accomplished something I can imagine.

Basically, I’m in love with the cruise idea now. But here’s the thing. While I’ve become much more inclined to a lazy vacation, I’ve also become a worrier. So, instead of just booking a cabin on a ship, I started googling what can go wrong on a ship, which is, of course, a lot.

Apparently, all sorts of things can (and have) gone wrong. There can be catastrophic engine failure and ships crashing into ships. The food can all be poisoned. Even the dock can injure you!

All those worries have now led me away from the relaxing image of me half-asleep on the beach with the wind blowing through my hair and towards images out of The Poseidon Adventure, as I lead my family to safety through every Hollywood hazard available within budget.

I need to keep reminding myself that every form of travel has its potential disasters. Plains go down, cars crash, ship toilets stop working. It’s all part of life and you can’t really prepare for it.

What I need to do is stop stressing. What I need is a vacation. What I need is a super safe cruise ship that’s going to ferry me to my dream beach for a day so I can sleep and feel like I’ve accomplished something.

When I think about it like that, I think I might just have to take the chance and go anyway. What’s the worst that could happen? At least The Poseidon Adventure would be interesting.

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Iowa Motorcycle Accidents

Posted by on Aug 14, 2017 in Traffic Incidents, Uncategorized | 0 comments

The United States is a very large country, full of sprawling metropolises and countless rural towns sometimes hundreds of miles from a major city. Because of this, the States have a huge network of highways and roads, and most people drive personal vehicles every single day. Of course, with everyone out on the roads, car accidents are going to happen every day. It is an oft cited statistic that you are more likely to die in a car accident than any other mode of transportation, and this is why car companies have invested millions in all sorts of safety features. Unfortunately, the safety features of motorcycles are limited, but they remain a very popular way to get around.

According to the Des Moines Register, Iowa state senator Chaz Allen lost his brother in a motorcycle accident in 2011, and just this year he also lost his father to a motorcycle accident. His father was killed in early June at the age of 75, and the accident almost cost the life of Allen’s mother, who was clinging to her husband as they hit a deer that had bounded into the road. The funeral, bikers from around the city showed up to pay their respects to the song of their people: the hum of a motorcycle engine. The statistics in Iowa are concerning. There are around 40-60 motorcycle fatalities every year, and most of these deaths afflict riders who did not wear helmets or take the proper safety precautions. Iowa is just one of three states that do not mandate that motorcycle riders wear a helmet, the other two being Illinois and New Hampshire. One reason it is difficult to get these laws passed is that bikers have a strong sense of freedom, and the main reason they get a bike in the first place is to feel the wind in their hair and really connect with the world while riding.

There has always been a sense of community among bikers, and even after tragic deaths, there are few who give up riding completely. In Iowa especially, where riding culture is big, there are Biker Lawyers who are dedicated to protecting the rights of motorcyclists around the state. It is important that specific lawyers exist to address these issues, as even the smallest accident can be fatal. Of course, in order to prevent more deaths, the Iowa State government ought to implement some sort of helmet law. Even though it may cost the state money in order to enforce this new law, it will surely bring down the motorcycle death toll.

Traffic accidents and deaths are an unfortunate inevitability in the United States, and it will be impossible to bring the death count down to zero. Even so, it is important that there are protections in place for motorcyclists, the most vulnerable population of drivers. Even if it takes away a feeling of freedom, a push to mandate helmet use will help immensely. Even if that is not attainable, an education campaign for helmet use and taking proper safety precautions should become the norm.

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What is a Hedge Fund?

Posted by on Jun 21, 2017 in Investment Fraud | 0 comments

A hedge fund is a sum fund from accredited investors. This is used to invest in a variety of assets, including derivatives and leverage in local and international markets, with the intention of generating high returns.

Because hedge funds are only available to accredited investors and not to the general public, they often bypass regulations and licenses that are required for typical investment companies. For this reason, hedge funds are more flexible because they can do more and they have a wider range of where they can be invested. They can be put into currencies, derivatives, lands, real estates, stocks, or wherever else.

But you cannot say the same for other funds. For example, mutual funds have to make do with bonds and stocks only.

Risk

The term “hedge” is used here as a symbolic line of bushes that limits risks, but in time, many hedge funds strategies have developed, including those that do not limit the risks at all.

But what are these risks anyway? Below are some of the most disastrous risks associated with hedge funds:

  • Some investment strategies that usually just end with minimal losses end with huge losses
  • Some investment strategies make them too vulnerable to huge losses
  • Usually require accredited investors to lock up money for numerous years

Fraud

Since hedge funds are only accessed by certain investors and can often bypass regulations and licenses, there is also the possibility of fraud. This can happen in two ways. First, it can happen when a hedge fund company promises high returns with little to no risks but the investors end up losing money. Second, the hedge fund company itself is a fraudulent organization that exists just to take the money of investors, and usually use market fluctuation as an excuse why investors have lost their money.

According to the website of Erez Law, those who have been victims of hedge fund fraud may have legal options. This is good news, especially that this is about their hard-earned cash that is trying to be stolen from them by malicious organizations.

Before investing in hedge funds, or investing anywhere for that matter, investors should always know the risks and possibilities of fraud.

 

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Alcohol-related Charges have Serious Consequences and a Conviction can Affect You for the Rest of Your Life

Posted by on Mar 28, 2017 in Uncategorized | 0 comments

Alcohol-related Charges have Serious Consequences and a Conviction can Affect You for the Rest of Your Life

Driving under the influence (DUI) puts many lives at risk, including that of the intoxicated driver. This is why the National Highway Traffic Safety Administration (NHTSA) puts extra effort and aggressiveness in catching and prosecuting anyone guilty of it.

In the whole of the United States, the legal blood alcohol concentration (BAC) level is set at 0.08 %, regardless of a person’s tolerance level to alcohol. Thus, even though one may still feel unaffected after consuming four or more bottles of beer (within an hour), if he/she is caught with a 0.08 % BAC level while driving, then he/she can be charged with DUI offense, or a DWI if his/her BAC level is above the legal limit.

Often, those caught and charged with DUI are first time offenders, who may have simply decided to spend a fun, relaxing night with friends or colleagues, but who made the mistake of not asking someone to drive for them or take a cab home instead. Thus, even without the intent of violating any law, as all their thoughts are focused on getting home, they get caught: an event that can change their lives henceforth.

NHTSA’s aggressiveness in catching DUI offenders has led to the conduction of sobriety checkpoints. Anyone who had just had four bottles of beer and happens to find his/her way along this checkpoint site is sure to end up with legal problems.

Drinking is usually a part of any gathering, especially during the holidays, special occasions and weekends. While the government does not and will never forbid drinking (at least for those above 21 years old), it offers tips on how not to end up violating the law, such as asking a non-intoxicated friend to drive them home, ask a family member or a friend to pick them up, or take a cab.

It is common knowledge to Richland DUI attorneys that ‘Many people, who are arrested for driving under the influence (DUI), often claim that they have only had a few drinks or that they are not intoxicated, despite what a breathalyzer may say. Unfortunately, these common excuses do not often hold up in a court of law.

Alcohol-related charges have serious consequences, and a conviction for such a crime can dramatically affect you for the rest of your life. Thus, if you have been charged with a DUI, it may be best to call a DUI defense attorney as soon as possible to start preparing a valid legal defense that will save you from further legal problems.”

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A Motorist, Who is Issued a Traffic Ticket, may Make a Plea of Guilty, Not Guilty or “Nolo Contendere,” or May Request a Mitigation or Contested Hearing

Posted by on Feb 6, 2017 in Traffic Incidents | 0 comments

A motorist who will be caught violating any traffic law will be issued a traffic ticket by the law enforcement officer who caught him/her. A traffic ticket is issued to cite either a moving violation or a non-moving violation.

A moving violation, which is violation of a traffic law by a vehicle that is in motion, includes, but is not limited to speeding, driving under the influence (DUI) of illegal drugs or alcohol, running a stop sign or red light, turning into the wrong lane, failure to use turn signals, and driving a car with burned-out headlights. A non-moving violation, on the other hand, is any type of traffic offense that involves a non-moving or stationary vehicle. Examples of non-moving violations include: parking in a no parking zone; parking in front of a fire hydrant or at an expired meter; parking without a permit at a spot reserved for handicapped individuals; staying too long in a parking area that has a time limit; broken or missing mirrors; and, excessive muffler noise.

A traffic ticket may serve as a notice to a driver or owner of a vehicle that a penalty, which may take the form of a fine or deduction of points, has been or will be made against him/her (failure to pay the fine may result to prosecution or to a civil recovery proceeding for the fine). In some states, however, a traffic ticket simply represents a citation and a summons to be present at traffic court; the determination of guilt is to be made in such court.

If the motorist wishes to contest a traffic infraction, a hearing can be set by the court upon proper request. The hearings are before a magistrate or judge depending on the state or city. Hearing dates can often be continued and witnesses or police officers can be subpoenaed. At any point, the motorists may retain an attorney to represent them in a traffic infraction. Retaining or consulting an attorney may be beneficial to the motorist because an attorney would better understand how to contest an infraction in any given state or municipality. Attorneys offer anywhere between full representation in court, taking a case from inception to disposal and potentially appeals, to low-cost online consultations explaining legal options, highlighting important defenses, describing court rules and recommending the best direction for the client.

A motorist, who is issued a traffic ticket, is usually given ten to fifteen days to mail to the court that has jurisdiction over the case his/her plea of guilty, not guilty or “nolo contendere,” which is a plea of no contest (this is neither a denial nor an admittance of a charge). Instead of making any plea, a motorist may also rather request either a mitigation hearing or a contested hearing. In a mitigation hearing, a ticketed driver admits to having committed the violation; what he/she wants, however, is to be given the chance to explain to the judge the circumstances that made him/her commit the violation. Though a judge may reduce the amount of fine, he/she will not dismiss the ticket. A driver who would want the ticket dismissed should rather request for a contested hearing.

Before paying any fine, making a plea, or requesting either for a mitigation or contested hearing, it may be wise for a ticketed driver to retain or consult a traffic attorney, who knows how to contest an infraction. Along this same line of thought, the law firm Truslow & Truslow says “If you have been cited for a traffic offense . . . before you ignore the ticket or pay the fine, be sure to consult with a law firm that understands how certain traffic offenses can impact your driving privileges, record, and insurance. The fact is you may not be guilty, or the circumstances may have been exaggerated or misunderstood by law enforcement.”

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Preventing Drunk Driving Accidents in Illinois

Posted by on Oct 14, 2016 in Car Wrecks | 0 comments

Drunk driving accidents are one of the leading causes of traffic fatalities in America. According to data from the Insurance Institute for Highway Safety, more than 6,000 motor vehicle deaths could have been prevented in the entire year of 2014 if the driver at fault had not been intoxicated the time of the accident.

In Illinois, the number of deaths caused by drunk driving reported from 2003 until 2012 is at 3,866. Despite strict laws that include zero tolerance policies and DUI convictions against alcohol-impaired driving, a 2012 survey by the Behavioral Risk Fact Surveillance System found that 2.2 percent of adults in Illinois reported that they continued driving despite knowing they’ve had too much to drink.

Alcohol-impaired driving is particularly dangerous when one considers the effects intoxication can have on one’s motor and cognitive skills. As the Centers for Disease Control and Prevention points out, different levels of blood alcohol concentration lead to different effects that impede a person’s coordination, concentration, and ability to make rational decisions. Considerable impairment may be experienced at even the lowest levels of BAC. At the 0.08 percent BAC limit set in all states in America, drivers will likely experience poor muscle coordination that can affect their balance, vision, hearing, and reaction time.

It’s unfortunate that harsh penalties such as fines that could total to $25,000 and possible imprisonment for up to seven to twelve years, many drivers continue to disregard the effects of alcohol-impairment and continue to drive while drunk. As such, victims and their loved ones find little recourse for the pain and suffering they endured. For most, their only option is to pursue a personal injury lawsuit against those responsible for the accident.

Chicago car accident lawyers from Karlin, Fleisher & Falkenberg, LLC point out that very few accidents can be more thoroughly preventable as those caused by a drunk driver. Victims that have been seriously injured in drunk driving accidents should consider taking appropriate legal action and pursuing just compensation.

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How To Prevent Slips and Falls In The Workplace

Posted by on Jul 11, 2016 in Uncategorized | 0 comments

Slips and falls is one of the most common workplace accidents. According to the website of Bruner Law Firm, serious injuries can be sustained due to these kinds of accidents. Statistics from the Centers for Disease Control and Prevention revealed that falls are the most common causes of traumatic brain injuries. It can result to broken bones and hip fractures. The CDC further revealed that more than 700,000 patients a year are hospitalized due to a fall injury.

There are many factors that can cause slips and falls. For example, the former happens as a result of wet or oily surfaces, loose or unanchored rugs or mats, flooring or walking surfaces that do not have the same degree of traction in all areas. Falls happen when there is unintended or unexpected change in contact between the feet and the ground or walking surface. If you are the owner of a building or apartment, there are several things you can do to prevent slips and falls:

Housekeeping

One of the first things you can do to lessen slip and fall accidents is to ensure good housekeeping. Some of the activities included here are:

  • Immediate cleaning of spills
  • Marking spills and wet areas
  • Mopping or sweeping debris from floors
  • Removing obstacles from walkways and keeping them clutter-free
  • Keeping file cabinets and storage drawers close

No matter how sophisticated your flooring is, they will never be fully effective without practicing good housekeeping.

Flooring

Installing mats, recoating or replacing floors, or changing or modifying walking surfaces are some things you can do for the flooring to prevent slips.

Falls

To keep yourself from falling, take your time and pay attention to where you are going. In addition, you can also walk with your feet pointed slightly outward. Moreover, you can make wide turns at corners.

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Respite Care & Adult Daycare

Posted by on Mar 7, 2016 in Elder Issues | 0 comments

Hiring permanent in-home caregiver or moving your loved one to a nursing home community are big steps when a true decline in health has occurred. If you are seeking a more of a short-term care option for your loved one, adult daycare or respite care could be your solution.

These two solutions are closely related because they are both a temporary and time sensitive options for care. If you are a caregiver, this allows you to take some time to yourself without having to worry about the well-being of your loved one. While adult daycare and respite care are similar, they are also very different.

Adult daycare gives your loved one the opportunity to leave the home and be a part of a safe and lively environment. They are able to make friends and avoid feeling stagnant at home. This also allows you to be able to work during the day to continue supporting your loved one. SeniorAdvice.com outlines a few activities that are common in adult daycare including “discussion groups, painting, pottery, fitness programs, gardening, scheduled outings, music classes, puzzles, dancing, and educational classes.” The service of adult daycare allows seniors to have social connections and is usually financially affordable for families.

Respite care still allows you the opportunity to leave the home, but it doesn’t mean your loved one has to. Due to their health, they may not be very mobile or perhaps being at home is most comfortable for them. A nurse, doctor, dietician, or counselor comes and visits the home to provide medication, pain management monitoring, meals, hygiene, and simply companionship! If you need to travel or have other extenuating circumstances in your life, in-home respite care could provide you with a solution that allows your loved one to remain right where they are.

When you’re feeling overwhelmed by taking care of your loved one as you attempt to manage your own life, the solutions of adult daycare and respite care can alleviate the fear of leaving your loved one alone. These options are not only safe, but stimulating and beneficial to you as the caregiver.

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What to Watch out for to Avoid Costly Business Mistakes

Posted by on Oct 9, 2015 in Business | 0 comments

 

Success in business doesn’t happen in a breeze. It entails not just your capital, but also your drive and shrewdness. But although success is never handed to anyone on a silver platter, that doesn’t mean that we are completely shunned from it. To succeed in business, you have to steer clear of common business pitfalls that could hinder your path to triumph.

However, keeping away from mistakes is easier said than done. There might even be some instances when you feel that what you are doing is right, but your actions seem to actually lead your business to nowhere. Here are the things to watch out for that might probably tell you to step back and get a clearer, fuller view of your business situation:

You’re running out of funds

Poor cash flow can be a result of many different things: Poor work efficiency, higher supply cost, and non-streamlined operational processes. As you review everything, you can revitalize your finances by either seeking business loan funding, or having some investors to fund for you. According to the website of the AmLaw Global Group, there are investors who are even looking to immigrate to another country just to invest and see how their money grows.

You’re running out of customers

You might be doing either one or both of these two things incorrectly: engagement and re-engagement. Having someone buy your product is one thing; but having them come back for more is another. So, if you think that you are losing customers, evaluate how you engage and re-engage your customers with your product. That way, you can see your weak points and tweak your marketing strategies to make them as appealing as possible.

You’re running out of staff

This can be a real problem, too! Behind great brands is a great line of account managers, marketers, back support agents, etc. If you feel that you are slowly losing your gems, take a careful look on how you treat them. Are you offering competitive pay? Do you care about work-life balance? If you focus on people, they will focus on the brand.

Maybe these problems don’t apply to you just yet. In that case, check out this article in Entrepreneur about common mistakes when starting a company.

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Your Civil Duty after Being in a Car Accident

Posted by on May 27, 2015 in Car Wrecks | 0 comments

Those who have been involved in a hit and run accident are required by law to “stop and give aid”, or if unable to, at least provide important contact information so that the necessary financial compensation will be given to the victim or victims. The driver of the vehicle who hit the victim or the victim’s property is legally bound to (1) stop, (2) present and share identification, and (3) provide necessary first-aid assistance. Even drivers who did not cause the accident can be criminally indicted if they have failed to execute these legal requirements, as well as passengers who help and assist the at-fault driver to run away from the scene. A passenger who takes over the wheel to escape the accident can also be held liable for the hit and run.

Areas such as Killen, Texas, know how difficult it is to be involved in a car accident, and they have seen their fair share of road accidents. Each year, a great number of Killen residents suffer from injuries and property damage because of other people’s recklessness and negligent behavior. The website of the Law Office of Williams Kherkher, says that victims can file a personal injury claim, not only to get financial compensation for their injuries, but also to ensure that the driver at-fault knows their mistake and is dissuaded from committing it again.

According to the website of Habush Habush & Rottier S.C. ®, it is important that the at-fault driver was aware of the collision and knowingly ran away from the scene. Nevertheless, any evidence that can point out any feasible interference that an incident occurred (or what is commonly called circumstantial evidence) can be enough proof that the driver was aware of what occurred. Depending on the state, majority of laws require drivers to stop and provide information and assistance after the collision regardless of whether or not it resulted to property damage or injury. Aside from criminal charges, hit and run can also lead to civil liabilities.

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