Understand the limitations of your license.

Depending on where you live, a hardship license might also be called a day license, a work license, or a Cinderella license. What you are allowed to use the license for can vary greatly, so you need to understand exactly what your hardship license allows you to do.

Ask your attorney to carefully explain the limitations of your license. Depending on your situation, some things that you might want to remember to ask your attorney include:

• Are you allowed to drive back and forth from school, as well as work?
• Are you allowed to drive to the drugstore or grocery store?
• Are you allowed to drive your children to school or daycare?
• Are you allowed to drive to the doctor’s office, or take a relative who depends on you (like a child or a parent) to the doctor’s office?
• Are you allowed to drive to a hospital if a relative is injured or sick?
• If you normally share the car ride to work with someone, can you continue to do so, if that means driving to his or her workplace before heading to your own?
• Does you license prevent you from driving, for any reason, during certain hours?

Realize that you could be stopped for any reason.

In several states, if you receive a DUI hardship license, you are also issued what’s often called “party plates,” or special DUI license plates for your car. If you have them, you need to realize that you are absolutely going to attract the attention of every police car you pass.

Even if you don’t live in a state that requires you to use different plates, you could still get pulled over for any number of reasons, including a burned out tail-light. 

If you do get pulled over, you can expect that the officer is going to ask if you are on the road for a legitimate reason.

Don’t open yourself up to more problems.

Even the most lenient of hardship licenses prohibit you from driving for the purposes of pleasure or entertainment. Some examples of what can be considered “pleasure or entertainment” include picking up a carry-out order for dinner, even if you pass right by the restaurant on your way home from work.

Under the law, picking up a carry-out dinner is no different than going out to a restaurant for dinner and drinks while using a hardship license.

Either way, you could be arrested, have your car impounded, fined, serve jail time, or have your license revoked for violating the terms of your hardship license.

Take a few steps to reduce the officer’s suspicions that you are driving for an unauthorized reason.

It will be easier on you if you just don’t raise any suspicions about why you are driving. Use these tips:

• Be prepared to explain why you are driving, where you have been, and where you are going.
• If you are driving to and from work, have the name and phone number of your supervisor ready to give to the officer. If possible, have a copy of your work schedule with you.
• If you are driving back and forth to school, have a copy of your class schedule handy.
• If you have a medical appointment, make sure that you have an appointment card ready to hand to the officer, or at least have your doctor’s name and business number handy.
• Be dressed appropriately. If you have a work uniform, wear it when you are heading to and from work, even if you usually change at the job site. If you’re a student, don’t dress like you’re heading to a party. Having the right—or wrong—clothing on can affect how the officer sees you.
• Don’t drive at night. In some states, your license will have a curfew built into it. In other states, it won’t, but try not to drive at night anyhow. It raises suspicions that you’re doing something that you shouldn’t.
• Don’t give the police any reason to pull you over. Make sure that your turn signals, tail lights, and muffler are all in good working order. Do not glide through stop signs, and don’t speed. Don’t rush through yellow traffic lights, either.

It’s difficult to work your way back to normal once you’ve been convicted of a DUI. Understanding your situation and doing what you can to prevent any further problems is the first step in the right direction. You can talk to your DUI lawyer for more information.

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1. Ejections From the Vehicle Account For a Majority of Rollover Related Deaths 

The NHTSA (National Highway Traffic Safety Administration) estimates that 62% of all fatalities associated with vehicle rollover accidents are due to ejection from the vehicle. Ejections occur when the driver or passengers are not wearing a seat belts, the windows are rolled down or broken in the collision, and the force of the accident throws an individual out of the car or truck while it is rolling. Although serious injuries can still occur in a vehicle rollover accident, regardless of whether you wear your seat belt or not, the risk of death due to ejection from the vehicle is significantly reduced when you put your seat belt on.

2. Older SUVs Are the Most Likely to Roll 

In 2001, the NHTSA assigned a star rating to vehicles by assessing the width between the front tires and their center of gravity, both of which play a significant role in whether a vehicle is likely to roll in a collision. Vehicles with a 1-star rating are more than 40% likely to roll in an accident, while 5 stars indicate a 10% chance of a rollover or less. Older SUVs were built tall and narrow, making them highly likely to roll. Newer SUVs are made with lower centers of gravity and wider bases, and many are rated at 5 stars. Avoid purchasing an SUV that was made before 2001, and ask the dealer about the star rating on any vehicle you’re considering buying. 

Although being informed about rollover accidents and taking proper precautions can help reduce the risk of being involved in such a collision, rollover accidents can still happen. If you or a loved one were injured in a vehicle rollover, you may be eligible for compensation from your insurance company, the manufacturer of the vehicle, or the other driver if he or she was responsible for causing the accident. Contact a skilled personal injury attorney to discuss your case and the possibility of receiving financial restitution for the damages that resulted from the accident.

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What is a Deposition?

During civil litigation, it is important to learn the details of the case or what occurred when the accident happened. One way this is done will involve either of the disputing parties meeting with the other’s attorney and answering a series of questions, this is referred to as the deposition.

Listed below are facts to know about a deposition:

1. There will be a court reporter present who will transcribe the entire meeting.

2. You must be sworn in under oath to ensure you provide truthful responses.

3. The transcription of the deposition may be used in court.

Tip #1: Consult with your attorney

One of the best ways to prepare for your deposition is by meeting with your attorney beforehand. This will help you have a better understanding of the entire process

Listed below are some questions to discuss:

1. What type of things do you think the attorney will ask?

2. Can you object to any questions that are asked?

3. What if there is something asked and there is not an easy response to provide?

4. How long does a deposition last?

5. Is this meeting videotaped?

Tip #2: Provide brief responses

When possible, answer with a short yes or no response to any question you are asked. By avoiding long and detailed responses, this will allow you to decrease the possibility of saying too much. Remember the attorney who is conducting the deposition is working for the other side.

Tip #3: Understand the question

Never provide any response without fully understanding what is being asked from you. It’s important to keep in mind that there will be a transcription provided to the other party and the court system that lists every word you say.

If you need clarification of any question, be sure to let the attorney who is disposing you know this.

Finally, by being prepared for your deposition, you will have the best chance of success and building a stronger case. Be sure to work with your car accident lawyer to know what to expect and how to be as prepared as possible.

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You could lose everything

For some reason many people believe that filing for bankruptcy causes you to lose everything you own. This is simply not true and is a common myth. The same law applies to everyone concerning certain aspects of bankruptcy, no matter how deep in debt you may be. Laws make provisions for people in debt to keep certain assets necessary for basic living and starting over financially. You simply will not lose everything you own.

Exemptions do vary 

Exemptions do vary from state-to-state and this is why it’s best to speak with a bankruptcy attorney before leaping to any conclusions about your assets. Considering your home as an exemption, your home’s equity would be the exemption amount. The exemption would be applied only to the equity. If you have no equity in your home then you don’t have to claim it exempt in bankruptcy proceedings because there is no monetary value for creditors to collect against. 

Property of the bankruptcy estate

This is essential to understand when you are filing bankruptcy. Property of the bankruptcy estate can include anything that creditors could legally have a claim to, even what you have claimed as exempt, until the exemption claims are finalized. If an asset is not property of the estate then you don’t have to protect it from creditors by claiming it exempt. Using your home as an example,

• You claim exemption because you have $100,000 dollars equity in your home.
• You still owe $250,000 dollars on your home.
• It would not be worth the cost to creditors to take possession of your home, pay selling and closing costs, and then distribute whatever might be left to multiple creditors. 
• While your home exemption is considered property of the bankruptcy estate until exemptions are finalized; a bankruptcy attorney will explain to you that in most cases you will not lose your home. If you have multiple properties this may not be the case and may only apply to your legal residence.

Assets such as vehicles and tax returns

If you have three luxury sports cars in the garage, you may not be able to claim all of them exempt, but for the average person, your vehicle will be considered an exemption. You need your vehicle for basic day-to-day living. Items like tax returns, stock options, and even intellectual property may not be exempt in some circumstances. It’s important to be honest and forthcoming about all assets to your attorney so that you can protect your assets to the full extent of the law. 

Chapter 13 and Chapter 7 bankruptcy

If you are the person with three sports cars in the garage, you likely have more assets than you can claim exemption status for. In this case, you can still keep all or most of your property by filing a Chapter 13 bankruptcy and paying your creditors over an agreed period of time. If your only assets are your home and vehicle, possibly a retirement plan, and your children’s college fund, you would most likely do better filing a Chapter 7 bankruptcy. 

What assets you will be able to keep depends entirely on what assets you have in comparison to your debt, the amount of allowable exemptions in your state, and whether you decide to file a Chapter 7 or Chapter 13 bankruptcy. In most cases your home, vehicles, and retirement savings are not going to be lost. Before making a move towards filing for bankruptcy it’s best to contact a knowledgeable bankruptcy attorney, such as Smith, Dickey, Dempster, in your area.

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Is the ruble collapsing?

The central bank of Russia spent nearly $6 billion USD of its international reserves in a desperate attempt to prop up the failing ruble, Central Bank chief Elvira Nabiullina said. “We currently supporting the exchange rate and selling funds from our reserves and have sold about six billion dollars in the past ten days,” Nabiullina is quoted as telling the State Duma on Monday, October 13, 2014.

The Central Bank chief went on to say that fixing an artificial exchange rate would be counterproductive and would contradict market factors. “We won’t be able to restrain them,” she said.

Additionally, Nabiullina stated that the ruble is not in a free-fall and its dynamics are influenced by multiple market factors, particularly world oil prices.

Russia’s central bank is preparing a stress scenario for future monetary policy, but thinks it unlikely that events will play out in the manner described in the scenario, which includes an oil price drop to $60 per barrel. “I think there are low chances for this,” said Nabiullina.

The sanctions imposed by the U.S. and the E.U. are having a negative effect on the Russian economy. Russian President Vladimir Putin, in an act of revenge against the Western sanctions, signed a decree on August 6 that forbade the import of U.S. and European agricultural products. This act has caused widespread price hikes and massive food shortages throughout Russia.

Crude oil and Russia’s economy

Crude oil production is very closely tied to the Russian economy. With the enforcement of the sanctions from the United States and the European Union, 100 million tons of annual oil production is at risk, according to Vagit Alekperov, the head of LUKoil, Russia, No. 2 oil company.

The United States and the European Union have issued sanctions forbidding U.S. and E.U. firms from supporting Russian production or exploration activities in shale, Arctic offshore, or deep water projects.

Nearly a quarter of Russia’s oil comes from hard-to-access reserves that require powerful, American-built pumps to force the oil out of the earth.

Russian oil companies are now scrambling to find domestic producers and suppliers to help them, but “not all of [them] can be fully replaced,” said Alekperov.

Investing in oil is a great idea

As oil prices fall, now is an excellent time to get into the oil industry. Before you purchase land with oil or gas reserves, however, you should contact a trustworthy gas and oil title attorney. The attorney will be able to help you with your purchase much better than if you tried to do it yourself. Follow the link for more information.

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There are some important financial areas and items you want to make sure your lawyer protects in the agreement, to protect you if you decide you need to leave your marriage.

Retirement and 401k Accounts and Pension Plans

If you have been diligently saving money since you’ve started working for the day that you may retire, you don’t want to lose half of it more in a divorce. You can have any money that you have already put into these accounts before the marriage is protected, and you may want to protect future contributions as well. You at least want your lawyer to protect the amounts that were in there before you walked down the aisle.

Wages and Spousal Support

Use a post marital agreement to state everything that you earn while you’re in the marriage stays with you if the two of you divorce. You can do this so don’t have to worry about paying your spouse money in a lump sum if you split, and you can also put that you won’t pay any type of spousal support. You could get stuck paying alimony if you don’t have it in the agreement, even if you the two of you don’t have any children.

Valuable Assets

Do you already own a car, or your vehicle? Do you have a vacation property, a valuable jewelry collection or recreational vehicles? Your spouse could get these in a divorce, or you could have to sell them and split the profit if you don’t have any legal document stating otherwise. Include family heirlooms or even pets that are important to you.

It may be difficult to get your spouse to sign a post marital agreement after you have already said your nuptials, but if it’s important to you it’s best to talk with a lawyer to see what can be done. Your lawyer, such as Abom & Kutulakis LLP, can meet with the two of you to talk about the different options that are available, and to determine what is fair.

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Unfortunately, winning these claims isn’t as easy as you might think, and it’s definitely important to hire a personal injury lawyer to help you. You will also need to be able to prove the extent of your injuries in order to improve your chances of being awarded a settlement, so make sure that you do these four things before you go to court.

1. Take As Many Pictures as Possible

If you have any visible injuries, such as seat belt burn, airbag burn, bumps or bruises, then you should take pictures of them from the very beginning. These things might heal during the time that it takes for your case to go to court, so it’s a good idea to take pictures while you still have proof.

2. Bring in All of Your Medical Bills

While you are healing from your injuries, you will probably receive a lot of medical bills in the mail or in the hospital or doctor’s office. Make sure that you collect all of them, and consider getting an official statement of money that is owed from each healthcare establishment that you are treated at. It can be easy to forget a bill or two when you are receiving so many, but you will need them all so that you can be compensated fully.

3. Don’t Forget to Keep Your Receipts

Along with keeping track of your medical bills, you should also hold on to any receipts that you might have that are related to your treatment. For example, if you have to buy crutches, a wheelchair, over-the-counter medication or other medical supplies, then you should keep the itemized receipts handy. Remember to keep receipts for things like wheelchair ramps and other medically-necessary additions to your home as well.

4. Get a Letter from Your Doctor

Although your medical bills will help prove that you have been injured, a letter from your main physician will do an even better job of proving the injuries that you have sustained. Have your doctor fax a copy of this letter directly to your lawyer’s office, and consider getting multiple letters if you are treated by multiple doctors. You can also get letters from your physical therapist, in-home nurse or anyone else who is regularly involved in your care.

To ensure that you receive the compensation that you deserve after your auto accident, you have to prove just how serious your injuries really are. Luckily, doing these four things will help you prove to the judge that you have truly been injured. For more information, contact an experienced accident lawyer in your area. 

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Mitigating the risk

You and your spouse can negotiate an arrangement in which you stay on the mortgage, whether or not you contribute to the payments, in exchange for retaining ownership interest as a joint tenant or tenant in common after the divorce is final. You’ll still be responsible for the loan repayment, but you’ll retain some degree of ownership, and share in any future appreciation in value.

As joint tenants, you and your spouse must acquire equal, undivided interest at the same time. If one of you dies, the other automatically inherits their share. As tenants in common, on the other hand, you can have unequal interest—75 percent for the spouse and 25 percent for you, for example—and you can acquire yours at any time. You can each sell or bequeath your shares as you see fit.

Loan Assumption

To assume a loan is to transfer it. In this case, it would be transferred to your spouse alone, which relinquishes you of responsibility for paying it. Your promissory note states whether your loan is assumable, and your lender can give you details about specific requirements.

Generally speaking, your spouse must submit financial information demonstrating an ability to continue making on-time payments without relying on your income. Because a mortgage assumption continues an existing loan rather than starting a new one, it’s usually the easiest and fastest way to remove one spouse from a loan.

Refinance Loan

If the loan isn’t assumable, your spouse can take out a cash-out refinance loan that pays off the existing mortgage with a brand new loan—a first mortgage without your name on it. The amount your spouse can borrow depends on how much equity you have and your spouse’s creditworthiness. If you give up your interest in the home, you’ll do so by recording a quitclaim deed with the county registrar’s or deed recorder’s office. The process is simple: just fill out a form and pay a modest fee. You’ve officially “quit” your “claim” to the property when the deed has been recorded, or filed, so that it’s public record. It’s difficult to give up title to a home that’s part of your family’s history, but digging out from under the responsibility of the mortgage may also bring some relief. If you have any further questions about how things will go during your divorce, contact Reneer & Associates.

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Do The Research

The first thing you need to do is determine whether or not the behavior the person is engaging in actually constitutes harassment. In the eyes of the law, harassment is behavior that is intimidating, hostile, or offensive.

Minor annoyances are not considered harassment. An attorney who practices employment law can help you figure out whether or not you are actually being harassed.  

Write It Down

When dealing with a hostile work environment, it is very important to your case that you document every incident that involves harassment. When documenting the incidents, you should include the following:

• Date and time of incident
• Details of the incident
• Any witnesses that were present

It is very likely that you will need this documentation when you approach management and human resources. If you end up filing a lawsuit, the documentation will be very important to your case.

Get Human Resources Involved

Arrange a meeting with your manager to discuss the harassment. If your manager is the one harassing you, set up a meeting with human resources.

You will need to show that you have gone through the proper procedures in order to be eligible to collect unemployment insurance later (if it is needed). Your employer needs to be given an opportunity to address the issue.

If your employer does not solve the problem and you are forced to resign, you could potentially be entitled to receive unemployment benefits. However, if your employer is cooperative in your efforts to resolve the problem, you will need to attempt to work with them.

If You Need To Resign

If the harassment is allowed to continue, it may be time to resign. Harassment can create an atmosphere that is stressful, which can cause problems for your health. You should not be required to stay in a poisonous situation.

If you have determined that the behavior in question is actually harassment, documented all incidences, and made an attempt to deal with the issue with your employer, then you have covered all of your bases. Arrange a meeting with human resources and review any relevant documentation that was signed when you started working at the organization.

Write your letter of resignation and give the usual two week’s notice. Make sure the letter includes your full name, employee ID number, resignation date, and a description of the harassment that you have endured. Be sure to leave out the names of any witnesses who saw the harassment occur.

Dealing with harassment in your workplace can be very difficult and stressful. Contact your a personal injury attorney, like Alterman Stuart J, who can help you get the compensation you deserve.

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One: Make Sure You are Applying for the Correct Type of Benefits

There are actually two types of disability benefits administered by the Social Security Administration and it is important that you make application for the one that best fits your individual situation. The first type known as disability insurance is for those applicants who have been employed and paid taxes into the system. The other type of benefits are known as supplemental security income, or SSI. This type covers those who have not been sufficiently employed or paid in enough taxes to qualify for the first type of disability insurance. SSI also applies to persons who receive welfare benefits, children and those who suffer certain types of impairments. 

Two: Make Sure All Health Information is Complete, Correct and Current

The initial application should include a detailed list of the applicants health history, including: 

• A complete list of all health issues, even if they are not the reason for the disability, including the impact these issues have on your normal daily activities
• A complete list of all medical care, including contact information for all care providers, reasons for the appointments and the treatments prescribed

Three: Follow Your Doctor’s Recommendations

Failure to follow the recommendations made by your current medical care team can cause delays or denials in the process of getting your disability claim approved. This includes taking medication as prescribed, attending appointments and undergoing any testing deemed necessary for your condition. 

Four: Inform Your Doctor of Your Application for Disability Benefits

Contacting the applicant’s doctor is a common part of the disability application process. Applicants can help expedite their claims by informing their doctors of the application and requesting that they respond as quickly as possible when contacted. 

Following these tips will help ensure that your claim is handled as efficiently as possible. However, it may still be denied. If this happens, consider consulting a reputable disability lawyer, such as Law Offices Of Russell J. Goldsmith, in your area. They are experienced in helping applicants file disability claims and navigating the process successfully. 

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