Several thousands of Americans file personal bankruptcy even when they have better options available to them. A bankruptcy can stay with you for your life. Bankruptcy lawyers and counselors tell you that bankruptcy gives honest debtors a fresh start. Keep in mind, the fresh start is a costly restart of your financial life. Avoid it if you can. If it is inevitable, you need to know your rights, limitations, and future possibilities.Chapter 7 and Chapter 13 are the two personal bankruptcy choices available to individuals. Chapter 7 is about liquidation of assets. It gives immediate relief of debts. The trustee liquidates the assets and repays the creditors. The property for which the debtor has a right is not liquidated. There is little or no nonexempt property under Chapter 7 bankruptcy cases.Another option is Chapter 13 bankruptcy. There is no immediate discharge of debts in this type of bankruptcy. This is filed by persons who have a regular income. The debtor promises to repay the debts over three to five years. The debtor can keep his or her properties. In both cases, the creditors are not allowed to initiate any action against the debtor. Although no immediate discharges are available, this plan covers more debts than Chapter 7 personal bankruptcy does. At the end of the three to five year repayment plan period, the remaining unsecured debts are discharged.The payments are made through the trustee. However, creditors can challenge the bankruptcy filing at court.Before Filing Personal BankruptcyThere are several provisions in effect prevent abuse of bankruptcy laws. People planning to file bankruptcy suits must first get credit counseling. Only government approved organizations can offer such counseling.The pre-bankruptcy counseling involves appraisal of individual financial situation, exploration of alternatives to bankruptcy, and preparation of a practical personal budget plan. The organization is legally required to provide free counseling, if the individual can’t pay for the services. The fee is around $50. You will also receive a certificate of completion of counseling.There is also a debtor education session, which lasts for about two hours. Your bankruptcy plea won’t be accepted unless you furnish the certificates.About The Credit CounselorCertificates from government approved counselors are needed for filing personal bankruptcy suits. You must take into consideration the kind of services on offer. The services, fees, fee-waiver, if needed, the qualifications of the counselors, etc. are important matters to discuss. Do your research on the counselors before you sign up for their services.A credit counselor can also tell you if personal bankruptcy is the best choice you have. If bankruptcy is inevitable, they can also tell you whether to go for Chapter 7 or Chapter 13.Except in minority of cases, bankruptcies are due to the sloppy behavior of individuals. If you plan to make a fresh start with a personal bankruptcy, make sure your personal finance decisions are always wise.
When I sat down to write this copywriting tips article I was going to give you at least ten to fifteen tips and talk a little about each one. But, then I started thinking about what would be most important to me in the sales process. So, I decided that I’d give what I believe to be the three most important copywriting tips and believe me they work.As a professional copywriter I use a number of different techniques but when it all boils down to it I really start every campaign using these methods. These copywriting tips are the basis for success in every copywriting job that I do.Top 3 Killer Copywriting Tips.#1 – Write From First Hand Experience – This is the most important of these copywriting tips. It is vitally important that you do not start working on a piece of copy until you have studied the product.I don’t mean just glance over it, I mean study.Make sure that you know and understand each and every benefit and recognized all of the selling points.Talk to the product developer, talk to buyers, talk to everyone that you can.If you’ve taken the time to learn everything there is to know about a product creating compelling copy is just that much easier.#2 – Understand the Market – Determine the demographic that you will be targeting.Who are they? How old are they? Do they live in a specific geographic location? What is their average lifestyle? The more that you know about your target audience the better you will be equipped to create killer copy directed right at them.If you can get inside the head of your target audience the world is your oyster, all you have to do is pick the pearls.#3 – Talk To Your Prospect – When it comes to writing copy there are many copywriting tips that I could give you but the best is to talk to your prospect as if you are talking one person.Try to write in a conversational tone using words like “I” and “you.”Sure thousands of people may read your copy, but they only read it one at a time. If you can make your reader feel like you are speaking directly to them, you will make sales.#Bonus Tip – Outsourcing – If you are new to copywriting, don’t have time to do it, or just don’t have the knack for it then you should think about outsourcing the copy.A professional copywriter with a strong track record is an option that could mean the difference between the next best thing and yesterday’s news.Mini Copywriting TipsHere are a few mini copywriting tips to help you understand the art a bit more.Make your copy interesting and use as much space as you need, there is no such thing as too much copy.Avoid trying to be funny since in most cases humor does not translate well in text.You shouldn’t be afraid to ask for a sale. Try sprinkling call to action in the appropriate places throughout your copy.Writing killer copy is an art. It takes time to learn exactly how to manipulate the mind of your reader. If you choose to write your own copy learn about the product, the market, personalize your copy, or hire a professional.This list of copywriting tips may not be huge but I believe that they are the most important that you will ever learn.
Majority of people assume once they get injured while at work, they will be adequately covered by workers compensation. It is the general assumption medical bills will be covered and during the recuperation process, wages will get paid. Assumption is not a smart choice. Workers compensation is administered and paid by insurance companies and they always try to make things complicated. Consequently, having workers compensation does not guarantee that you will get paid for injuries that occur while on the job. In essence, this type of compensation was designed to reduce lawsuits between you and your boss. Workers compensation is designed to eliminate stress and conflict. In a nutshell, it is an uncomplicated and quick way of ensuring you get your wages and an assurance that medical bills will be covered. Rather than filing a lawsuit because injuries sustained during work, you start by filing for a claim with your workers compensation insurer. The insurer is supposed to carry out an investigation to determine you got injured while at work. Get a Lawyers Help Since you are dealing with an insurance company that serves the interests of the employer, you should speak with your attorney. For short absence from work and minor injuries, no major concerns arise. However, there are instances when the injuries might be severe necessitating longer absences from work. More often than not, this complicates things. Benefits for those Covered The benefits of workers compensation are pretty obvious. Those covered get wage replacement and medical expenses are covered. The work of the insurer is to protect the employer in order to prevent the possibility of a lawsuit. Fault is never an issue in this case and the coverage is effective it is established that: The employer is the person who hires, pays wages, withholds taxes, and dictates the time, place and manner in which duties are supposed to be performed. An employee is the one who collects wages and carries out duties in accordance to employer dictation and specified time. Therefore, self employed and independent contractors do not fall in the category of employer-employee relationships. For the workers compensation to be effected, where and the time you got the injury must be established. For instance, if you were working past the set work hours and you were not doing any work related task compensation is not offered. Majority of workers compensation policies requires a report of the activities preceding the injury. To be on the safe side and ensure you get fair representation, always consult with an attorney.
Why someone should really look for a lawyer? The answer is when you have a conflict or when you fear losing profit. Lawyers delve into the nitty-gritty of all the human problems that someone can imagine. They are paid to extricate clients from the emotional or financial nets in which they have become enmeshed or to find ways for the clients to escape being netted.If you own a business in Ventura County then at some point you are going to need a lawyer. Contrary to popular perception, lawyers do more than just solve problems. An experienced small-business lawyer can help you to start your business, look over and negotiate proposed leases and prepare contracts. Attorneys help you comply with regulations, which govern everything from finance and credit to incorporation and zoning. You will need a lawyer if you acquire an intellectual property, engage in litigation, sell your business or file for bankruptcy, for instance.Business lawyers are professionals who have experience and knowledge of issues that surrounds the starting and running of a business. They are typically generalists who have a working experience on a wide range of issues, from copyright and trademark to tax and employment law. Some larger law firms have attorneys specializes in specific areas. The best way to find a small business lawyer in Ventura County that works with small businesses is to ask acquaintances and friends who have small businesses.If you are involved in a legal dispute between two or more parties that may result in monetary compensation or some specific performance rather than criminal sanctions then you need a Ventura County civil litigation attorney. When you hire a civil litigation attorney, he will examine your case rigorously and determine whether or not you have a claim. The attorney will file the complaint and represent you in court, while things such as monetary damages will likely settle before trial. Hiring a Ventura County civil litigation attorney can relieve a lot of stress because the attorney will be managing and litigating your case. An attorney will ask you whether you want to go to trial or want to settle the dispute, meaning that ultimately you are still in control of your case’s direction.You can ask your friends or relatives for references of any small business lawyer and civil litigation lawyer around your neighborhood. They should have enough legal and business experience to handle your routine work and to represent you efficiently in case of any legal problem. The attorney you choose should be reliable and accessible through different means, such as through phone and email, so you have multiple ways to reach them in case of an emergency. A business lawyer should also have extensive knowledge about the various contracts, licenses or permits required to run your business in your state whereas a civil attorney should be well versed about crime, personal injury, landlord/tenant disputes and motor vehicle disputes.
The term “copyright” is not difficult to understand by laymen but many people are not cognizant with copyright law and patent. You will need to consult an attorney to assist you in completing the paperwork for the protection of your patented or copyrighted material.While looking for an attorney, it is better to find a relevant professional since there are all kinds of attorneys, some practice copyright law for music and others maintain their focus on articles, books and other types of writing. People who own intellectual property can have them protected through different types of copyrights. It is advisable to make the right choice of a copyright by seeking advice from several attorneys.Often, it is a good idea to protect yourself from intellectual property theft by subscribing to a patent for your idea or product. Due to complex procedures involved, it is not easy to patent an idea or product by yourself requiring understanding of patent law. It is good to have advice from experts who could fill out the incredibly specific paperwork. Skilled attorneys can appeal to the patent office more effectively compared to laymen who can face a hard time.Patent law issues are of many different types like copyright. For example, if your firm manufactures aircraft products, the concerned patent attorneys in the area with background in aerodynamics can help you out. It is important to find a patent lawyer who fully understands and appreciates your ideas and plans.When you deal with copyright and patent lawyers, it will also depend on how smart you are as they might not always have that much experience which they are presenting in front of you. If you are lacking understanding of legal issues, then it will not be easy for you to find an effective attorney and to judge their integrity since many individuals can fleece you easily.One should ask for references from the lawyer to check his reliability. References need not be many but they can still help make your mind about an attorney’s reputation. Who could know more about an attorney’s efficiency more than the people who hire them?It is important to understand that not all attorneys carry same skill level. The fees charged by them also vary hence you should ask for price quotes from the attorneys to check which are affordable for your company or family. Once you balance the costs with the available services, you will be able to decide which one is right for you.
The Copyright Law consists of all of the legal concepts and rules envisaging the safety of those who create intellectual works in the sector of literature, songs and the fine arts, including photos, movies and performance of artists. It’s essentially worried about the negative right of preventing the copyright of material, physical, existing in the field of art and literature. Its object is to protect the author of a main work from the unlawful copy of his material. Copyright is really a man’s inherent right over his mental property which hails from the deep recesses of the human brain and assumes tangible form known as his works. Nothing can be known as a man’s property than the fruits of his brains. The exact property is an post or material accruing to him by reason of his or her own mechanical labor isn’t denied him: the labor of his mind is no less arduous and therefore no less worthy of protection of the regulation. You’ll need a Copyright litigation attorney to find out more.The reason why you require a copyright litigation attorney? It is extremely difficult to prove duplicating by primary proof. Consequently, to prove the same, recourse is taken to the defendant’s access to the work and substantial likeness between the primary work as well as the accused work. To show an infringement of copyright in a particular work, there needs to be a component of misappropriation. The amount of similarity necessary for a court to find misappropriation is not very easily defined. Indeed, “the test for violation of a copyright is of necessity vague”. Thus, a lot rests on the shoulders of the Courts to decide regarding which test should be applied to that situation, for many tests are “work” particular, in order to adjudicate the matter accessible at the best interests of the parties in the ends of justice. That’s the reasons you need a Copyright litigation attorney.
Slip and fall injuries are common and it can occur at any point of time when you are least expecting it to happen. Also sometimes the injury can change your life forever. So, when you treat slip and fall cases or fall down accident cases, it is best to refer to an experienced formally trained medical expert. In this way you know you are in right hands and the chances of you recovering fast is very high.What are types of injuries that occur with slip and fall accidents?There are different types of injuries that you can expect with slip and fall accidents. These are as follows-Injury to the spinal cord – This can be fatal and can even lead to paralysis.Broken bones – These are equally painful but can be corrected with surgery or supportScrapesBrain injury – This can be deadly and depending on the extent of injury, you can even lose a near one.Minor or severe bruisesDeathIn the event of slip and fall injury, firstly it is important to file a report, especially if you have fallen in a public place. Filing the timely report will enable you to make the insurance claim easily and without any hassles. Also keep watch on the witnesses when you had the injury. It goes without saying that when you are falling, it is indeed difficult to keep all this in mind, nevertheless, you can ask the ones that help you to get up or take you to the hospital for treatment.If you had the injury due to any construction error in the building, an electric fault or broken stairs, you ought to note it immediately. Remember, all these details will help you when you get the treatment and when you have to claim for insurance.Oftentimes it is seen that slip and fall injuries occur when there is negligence or the individual becomes careless.Aside from the injuries mentioned above, there are other severe consequences of slip and fall injuries. These are as follows-Hip fractures – Individuals above the age of 60 are prone to hip fractures and this incidence becomes pronounced if he slips and falls. Treatment may include minor surgery to hip replacement, depending on the need of the hour.Sprains – An injury in which the ligaments get stretched severely. Splinting or bracing can correct the situation.In most of the cases, treatment comprises correction of bone displacement by surgery or traction (support). Alternatively, you will also come across injured people that will need some counseling. Physiotherapy is another alternative. Aside from the normal medication, you can also resort to alternative methods of healing if you are comfortable with the same. When you undergo a session of physiotherapy, make sure you get it done by an expert. Remember, it is a question of your well being that will impact your entire life and so you cannot afford to compromise with the same.Bio:Aaron Sanchez has shared his expert vision and years of experience in dealing with slip and fall cases, in this article. His articles have been shared across numerous law forums and magazines. These articles have certainly thrown some light over areas like dealing with fall down accidents.
Developing properties either on a large scale or a small scale involves a lot of legalities which need to be taken care of. The government is directly involved in this process and is very stringent about these laws being followed. Thus, if you are planning to undertake any developments of building and other properties, it is imperative to first understand the planning law of that particular area and act accordingly.These governing bodies have prepared a local development structure that has to be followed by the developers to build a property. This document is formally recognised as the development plan which gives a basic idea about the kind of developments that can take place in a particular area and implementation of various policies applicable to the different types of land respectively. There also exist few exception policies that specify under which circumstances the development can be permitted against the standard policies, set by these bodies. To understand all these minute aspects, it is imperative to hire the services of a solicitor for planning law.These specialist planning solicitors are experienced personnel who have worked for getting such planning permissions and exactly know what kind of documentation will be required to get the same. As a developer, understanding these legal aspects can be a very complicated task and there are high chances that you might not be able to adhere to all the laws and things can, hence, go wrong. Thus, it is advisable to hire an experienced solicitor for planning law or a team of specialist planning solicitors for your business. Even going through these documents and policies is not going to help as they are quite complex and difficult to understand. As such there is a large amount of capital involved and you certainly don’t want to delay the proceedings due to legal hitches. Hence, hiring a team of specialist planning solicitors is highly advisable for a safe proceeding of your business.A solicitor for planning law is proficient enough to make negotiations for your planning appeals process. So, if you are stuck with these planning appeals process, then it will be wise to appoint a solicitor for planning law to negotiate it for you and get it sorted. Also planning law is not the only governing body involved in this process, even the highway authorities and the environment agencies are associated along with the local and national governments. Therefore, understanding the policies set by all these officials is a daunting task and can be extremely time-consuming for you. Moreover, you have to conduct a lawful development of the properties which is in accordance to the policies specified by these governing bodies. The specialist planning solicitors are well aware of all these policies and they know what kind of prerequisites will be needed for the planning permissions. Thus, hiring their services means you are free from all legal troubles and can dedicatedly concentrate on your business without being distracted by any legal issues.
Every company knows the rule that an employer must pay non-exempt workers time and a half for hours worked over forty in a workweek. But employers still have difficulty in defining terms such as non-exempt or hours worked. Employers also frequently make mistakes in calculating the overtime owed sometimes resulting in the employer paying too much but often resulting in the employer not paying enough. The Department of Labor has been focused on employers violation of the Fair Labor Standards Act. And, lawsuits have significantly increased.federal employment laws Employers are still finding it difficult to calculate whether they owe overtime and how to pay overtime correctly.This webinar will assist you in identifying which employees are entitled to overtime, how to calculate hours worked and will address methods of compensating for overtime worked straight workweek methods, fluctuating workweek methods, and even Belo contracts.Areas Covered in the Seminar:- What does the FLSA require? Who is exempt from its coverage?- What is a workweek for purposes of overtime calculation? Are there any exceptions?- What are hours worked? What does it mean to suffer or permit someone to work?- Do you have to pay for unauthorized overtime?- How can you decrease your overtime liability and still be legal?- What does it mean to pay someone a salary? Why cant you just pay a straight salary to cover overtime hours?Who Will Benefit:All companies both private and governmental will benefit from this webinar. Every company with employees will find at some point that it will have a problem that arises from an employees use of social networking sites.- HR Managers- Supervisors- Labor department- federal fair labor standards act- ManagementInstructor Profile:Susan Fahey Desmond, has been representing management in all areas of labor and employment law since her graduation from the University Of Tennessee School Of Law since 1985. She is listed in Best Lawyers in America for Labor and federal employment laws and has been named by Chambers USA as one of Americas leading business lawyers in Labor and Employment Law. She is also listed in Mid-South Super Lawyers.Susan Fahey Desmond is a shareholder in the Firm’s Labor and Employment Practice Group and works from the firms Gulf Coast office. She is a graduate of the University of Mississippi (B.A., 1982) and the University Of Tennessee School Of Law (J.D., 1985). Ms. Desmond is a member of the Mississippi, Louisiana, Texas, Florida and Colorado Bar Associations. She is also a member of the Federal and American (member, Labor and Employment Law Section; past chair, Labor Committee; Executive Council Coordinator, Young Lawyers Section; member, Torts and Insurance Practice Section; member, Emerging Issues Committee) Bar Associations.federal fair labor standards act Ms. Desmond has served as a director for both The Mississippi Bar Young Lawyers Division and the Jackson Young Lawyers Association.
When web content copywriting is been done, the writers should keep this in mind that internet is a jungle where web users are information foragers within it. Many researchers say that majority of internet users just scan the websites to find the useful information as fast as possible. Therefore the success of website writing depends mostly on conciseness, scan ability and objectivity. So to make your writing successful on the web follow these points and also don’t ignore the below important things.If you keep them in your mind while web content copywriting, you definitely will be successful to attract potential visitors and customers.