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.

Tthose 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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