After the death of a loved one, it can be difficult to set aside your emotions as you make major financial decisions to prepare to settle the person’s affairs and lay the body to rest. The website of Hull & Zimmerman, P.C., notes that these costs can include medical bills, memorial costs, and the cost of a funeral.
According to the National Funeral Directors Association, the average funeral in the US costs $6,560. However, participants of the “death care industry” ultimately try to profit from your grief. This can sometimes lead funeral homes to withhold information or twist the truth in order to drive up this figure.
Knowing your rights under the Federal Trade Commission’s Funeral Rule can help make sure you don’t fall prey to dishonest selling tactics while you are emotionally compromised. Under the Funeral Rule, you have the right to complete price information: this can be obtained over the phone, without having to provide any personal information first, or through a price list that funeral homes are required to provide when you visit. This includes the right to know the prices of all caskets available at a location, as many lower-priced options may not be on display. You also have the right to have a full written statement of your chosen options before you pay.
If you have decided on cremation, some funeral homes will try to convince you that a casket is required. This is false – there are no legal requirements for a body to be housed in anything more elaborate than a cardboard box in order to be cremated. Similarly, in almost all cases, embalming is not legally required although some funeral homes will tell you otherwise. Refrigeration is an adequate, much less expensive form of preservation. Finally, funeral homes do not have the right to keep you from using a casket purchased from a third party, or to charge you a fee for doing so.
Although people tend to want to give the best they can in order to lay a loved one to rest, you still have the right to decide your own budget. Knowing the Funeral Rule can help you assert your right to a full range of options, and ability to purchase items and services without pressure.
Finding a Yasmin attorney to represent one in a civil lawsuit depends on many factors, but not what would be expected in the usual case needing legal representation. Because a Yasmin attorney has to present a case in multidistrict litigation (MDL), many of the usual recommendations fly out the window.
On –the-spot trumps local. Usually in a civil case, it is recommended that a lawyer who is familiar with state laws and the local court personnel is the best person to represent someone in a personal injury case. When it comes to MDLs, however, which is elevated immediately to the federal level, such knowledge is not so relevant. The ideal Yasmin attorney would be someone on the spot, and in the case of Yasmin in East St. Louis where the MDL is being heard, and with a knowledge of how MDLs work, which is not under state jurisdiction.
Reputation counts. In a district court, it is important to have a good reputation with the judges and the other lawyers on the case to bolster credibility. In an MDL with so many cases being heard, it is important that the Yasmin attorney has a personality in the proceedings to more fully protect the rights of the client.
Experience in dangerous drugs cases is invaluable. Rather than knowing the screws and bolts of the law, it is more important that the Yasmin attorney selected should have had successful dealings with pharmaceutical companies before. Big companies such as Bayer HealthCare can afford the best legal teams available, so it will not be enough to go head to head on a legal basis. The Yasmin attorney should know what buttons to push and how far the company will go to reach a good settlement for the client’s case. A Yaz lawsuit is not a matter of winning the case but of getting a good compromise for the benefit of the client at the expense of the defendant.
Electric car company Tesla Motors has seen unrivaled success in the past few months, avoiding financial pitfalls and paying off its loan from the U.S. Department of Energy nine months early. To top off its recent successes, the automaker’s Model S sedan blew out the competition in August’s vehicle safety tests, setting a record as the safest car of all time.
The National Highway Traffic Safety Administration (NHTSA) awarded the Model S a perfect 5-star rating in every category of vehicle safety, placing it in the upper echelon of automobiles. Even though the car is a sedan, it surpassed the safety scores of all SUVs and minivans, showing an impressive ability to lessen high-impact crashes from the front, side, and rear of the vehicle. Particularly notable was the Model S’s performance in the roof crush test–the car’s roof was able to support a weight of up to four additional Model S vehicles before caving in.
The Model S has excelled in sales as well as safety ratings. In 2013, Tesla Motors sold more cars in California than Jaguar, Lincoln, Volvo or Porsche. The company expects sales to increase in the next few years as it adds mid-range options for consumers and expands to other areas of the country.
When asbestos was popularized during the Industrial Revolution of the late 1800s, its inherent properties seemed too good to be true. The durable natural substance resists fire and acid, and as a fiber, it’s capable of being woven into flexible cloth. Asbestos was commonly used as an insulation material in buildings, electrical lines, and even vehicle brakes. However, people soon discovered that asbestos had a tendency to splinter into airborne particles that caused a number of lung diseases and cancers.
It took until 1978 for the US to cease producing asbestos, but six years later, homes were still being built using the leftover stores. As a result, some people still come down with asbestos-related diseases, such as asbestosis and mesthelioma, two serious chronic conditions that result specifically from asbestos exposure.
Asbestosis is a scarring of lung tissue built up from inhaling asbestos, which restricts the lung’s ability to expand and contract. Symptoms include chest pains, coughing, shortness of breath, and nail abnormalities. Asbestosis has no cure, slowly worsens over time, and can also easily develop into lung cancer or mesothelioma.
Mesothelioma is the cancer of the tissue surrounding the lungs and diaphragm, called the pleura. An article by Williams Kherkher warns that malignant mesothelioma is especially dangerous because symptoms can take decades to surface, at which point the cancer is too advanced to treat. Symptoms of mesothelioma resemble asbestosis, along with lumps found in the chest or abdomen and weight loss. Currently, the average life expectancy for a mesothelioma patient is about two years.
When a couple divorces, the court may order one partner to pay the other spousal support, or alimony, in order to maintain a lifestyle similar to what he or she was accustomed to while the couple was married. The decision to assign alimony payments to a partner is based on several factors beyond just comparing salaries. Both people’s earning capabilities must be fully assessed, including potential for future employment if one person is currently unemployed, and their overall health and capability of working in general.
Once the court has decided alimony payments are justified, the amount and duration must be calculated. These numbers are based on the length of the marriage, the type of child custody if there are children, the previously assessed earning capabilities, and a range of other factors comparing the lifestyles of both partners.
Years after a divorce has been settled, the need to modify an alimony agreement may arise. An article on the website of Andrew A. Bestafka, Esq. cites change of circumstances for either ex-spouse, financial increase for the receiving spouse, financial depletion of the paying spouse, increased cost of living, or remarriage of the receiving spouse as valid reasons to change alimony payments. This change must be assessed and validated by a judge in order to be allowed.
If a homeowner defaults by missing a monthly mortgage payment and failing to compensate for it in a timely manner without communicating with his or her mortgage company, then the home is in danger of being foreclosed upon. This means the home will be repossessed and then auctioned off. The residents in default will then need to move out and find new living arrangements.
The US Department of Housing and Urban Development lists three types of foreclosures: judicial, strict, and power of sale.
In a judicial foreclosure, which is the most common, the mortgage company will file a lawsuit and mail the homeowner a notice of payment. If no payment has been made after 30 days, then the suit will proceed and the local court will hold an auction for the home.
In a strict foreclosure, which is only allowed by a few states, the mortgage company will file a lawsuit after the homeowner defaults, and the court will order a payment deadline. If this deadline is not met, then the property is taken back by the mortgage company and not auctioned off.
In a power of sale foreclosure, or statutory foreclosure, a clause within the mortgage agreement allows the mortgage company to hold the auction after notice of payment has been sent and the subsequent waiting period has passed. This type of foreclosure is non-judicial, and therefore takes less time to carry out.
The website of Greenway Law, LLC recommends applying to modify the mortgage agreement in order to accommodate the homeowner’s current financial situation. However, in certain cases, filing for bankruptcy can possibly help someone in danger of foreclosure to keep his or her home.
Potholes are a familiar foe to many of us who live and drive in cities with old infrastructures, or underfunded maintenance budgets. Formed by the seasonal freezing and thawing of water in the cracks of pavement which forces the cracks to expand more and more as time passes, potholes can seriously damage your car if you drive over one. The website of Habush Habush and Rottier SC lists some common problems you may face, including tire blow-outs, damaged wheels, axels, and paneling, or even engine damage.
While your local government is responsible for damages incurred by hitting a pothole, you should still practice some key driving techniques to protect you and your car as much as possible, and to avoid the inconvenience of having your car out of commission.
Of course, avoiding the pothole completely is the best option, but sometimes impact is inevitable. A misconception held by many is that if you drive quickly enough, you can skim over a pothole and avoid too much impact. In reality, the opposite is true: you want to slow down as much as possible to keep your suspension from rocking too far forward. An article by the Weather Channel suggests that you brake right up until just before you hit the pothole, and then release to allow the suspension to even out and absorb the most shock.
Other tips include keeping an appropriate distance from other cars on a rough street, holding the steering wheel tightly as you go over a pothole to avoid losing control, and to have your car’s alignment checked regularly.
There was a time that people preferred to keep problems at home private, and in most cases that still is the best thing to do. But when domestic violence rears its ugly head, then covering it up will only make matters worse for everyone. Traditionally, though, US law supported this code of silence by prohibiting family members from suing each other in civil court. Fortunately, most states have removed this restriction, and New Jersey is one of them.
It is entirely possible for an abuser to face criminal charges and a civil lawsuit for domestic violence at the same time. There is no rule against bringing an abusive family member before a civil court even if he or she has been tried in criminal court.
Domestic violence is defined as any act that brings physical, emotional or psychological injury to one or more family members. This can include slapping, punching, pinching, hair-pulling, hitting, and shoving. It can also mean unwanted sexual contact, harassment, threat of violence, constant criticism or insults, excessive control of other people’s behavior, or repeated emotional battery.
A personal injury lawyer only comes into play when a family member decides that the domestic violence has resulted in extensive actual and punitive damages that will not be addressed in a criminal proceeding. A lawsuit may include actual pecuniary damages such as medical expenses and lost wages, as well as punitive damages, and pain and suffering.
Bringing a civil action against a family member is not going to be easy; other family members may resent the fact that the family is being broken up and blame the victim rather than the abuser. It is sad that most families fail to recover from such stress. The injury lawyer must have an extensive knowledge of domestic violence laws in New Jersey so that civil litigation will go as smoothly and quickly as possible.
The body’s lymphatic system is a disease-fighting network made up of vessels which carry a fluid similar to blood plasma called lymph. The lymphatic system is primarily responsible for immune response and the transport of white blood cells to bones and other organs, although it also carries out secondary functions including moving fatty acids from the digestive system throughout the body.
The lymphatic system is subdivided into the conducting system, which consists of capillaries and vessels that transport lymph fluid, and the lymphoid tissue itself, which includes bone marrow, the spleen and thymus, and lymph nodes.
Lymph nodes hold B and T lymphocytes, white blood cells that are necessary for an effective immune response. Lymph nodes, in response to an invasion by foreign pathogens (such as bacteria), produce disease-neutralizing cells called antibodies that target those pathogens for destruction by the body. As the antibodies mark pathogens, other immune cells travel through the lymphatic system to the lymph nodes, causing them to swell and expand. This swelling can be used to diagnose a number of conditions, from infection to cancer. In fact, lymph node condition can be used to determine the stage of several cancers.
Non-Hodgkin lymphoma is a form of cancer that originates in the body’s lymphatic system, as tumors develop from the disease-fighting lymphocytes. Subtypes of non-Hodgkin lymphoma include large B-cell lymphoma and follicular lymphoma, and can potentially be caused by toxic chemicals that have been improperly stored or disposed of.
Rural roads are not as well maintained as highways and city streets, mostly because they are not used as frequently. But motorcycle riders go anywhere and everywhere, and usually at high speeds when traffic is light. Road defects such as uneven surfaces or potholes may damage a passenger car, or simply rattle the passengers a bit, but they can be devastating for motorcycle riders. The benefits of lightness and speed can leave a motorcycle operator vulnerable to a single vehicle accident.
In the US, rural roads are considered one of the most common location for a single vehicle accident, especially where it curves. For passenger cars, contributing factors would be the weather, road conditions and driver error. For those on a motorcycle, however, the whole stretch of a rural road can pose a potential danger to the lighter, lightly-protected motorcycle rider.
Wisconsin is a state with a lot of rural roads and is home to what is considered scenic rustic roads. There is actually a program called Rustic Roads Motorcycle Tour which certifies and rewards motorcycle riders to travel through these scenic roads. But rural roads in Wisconsin are, according to the Wisconsin Center for Investigative Journalism, significantly more dangerous to motorists than the national average based on a 10-year study of traffic fatalities in the state.
Aside from the actual danger of a road accident, Wisconsin is not a good state to fall victim to a road defect single vehicle accident, passenger car or otherwise, because of SB 125. This law confers immunity to the municipality for road defect injury claims, so it is a tough state to recover damages from.
If you are ever hurt in a single vehicle accident in Wisconsin because the roads were not properly maintained, you need to consult with a lawyer experienced in personal injury cases in the state to assess if you have a valid claim. It would be useless to pursue a claim against the government unless your lawyer can find another statute where a duty of care is owed to you.