How Safe Are Your Funds?

It’s not common; however, there have been cases where an unfortunate client discovers far too late that their funds have not been used as directed. In a few cases, the funds have disappeared entirely leaving the client to face debt, potentially poor credit, and a long battle ahead.

I was reading into a case from 2005, in which it was reported that a woman had found that her accounting firm had not paid off her mortgage or equity loan when selling her house. During an important transitional time, she was ignored when she tried to reach out to the team she trusted to help her sell her home. With no other options, she was driven to take the situation to the police, who arrested her accountant for larceny and conspiracy to commit larceny.

According to the article, this could have been something as simple as “poor record keeping”; however, when we entrust our most personal matters in the hands of another who we believe to be qualified and professional, we feel secure in the thought that they will take good care of our funds and personal documents. Realistically, we are taking a big risk that could potentially have a disastrous outcome leaving us to face a financial nightmare on our own.

Professionals who defraud their clients are undoubtedly bad apples, and hopefully, you never find yourself in the position of being victimized by one. But, if you do, you likely feel like it’s all uphill from here, which without someone to fight back for you, it will be. If I were in these shoes, I know my trust would be shattered and it would take some time to rebuild my confidence in any professional that dealt with my money in the future.

You do not have to go through this unsettling experience alone. A good attorney can help you get the money back that was taken from you, as well as compensation for any of your pain and suffering caused by a financial crisis due to lack of funds. It is important that you use all of your resources available to find a law firm that will fight for your rights and demand justice for you and your loved ones.

The person in the article I spoke of earlier cannot get her money back, however, it has taught me a lesson. If this situation or a similar one were to occur to myself or a loved one, I would do my research for a fair and just legal representative. Even a quick search turns up great firms, such as Hach & Rose, LLP, who have over a century of combined experience and lots of great reviews.

It’s important to do your research to take care of potential downfalls like the ones I mentioned above. Taking the time to find a well-established law firm with an impeccable record is always worth the effort to truly trust who you are working with.

Looking for a Lawyer About Children’s Toys

Who do I talk to about unsafe products? I think I need a lawyer but I’m just not sure where to look, so I’m asking around here just to see if anyone out there can point me in the right direction.

I have a toddler, his name is Jeremy, and he’s a clever boy, just absolutely incredible. I don’t want to gush about him, I just want to lay out right here at the top that this was not his fault, and I don’t believe it was mine either.

Anyway, I bought him a toy recently that was designed for two and under. I don’t want to mention the brand or the toy because I don’t know if I can be sued for posting on here, but the toy was a sort of talking figure where you press and button and it says catchphrases. You’ve seen the kind I’m talking about.

I gave it to Jeremy and not five minutes went by before a piece came off and got lodged in his throat. For the scariest thirty seconds of my life, I struggled to get that stupid piece out of his throat. I did finally, but I was so worried that he’d suffered something like brain damage from the lack of oxygen, I spent three hours in the emergency room.

He’s fine. They said the piece only partly obstructed his breathing and I got it out quickly enough, but now I’ve got a big emergency room bill coming my way, and I don’t think I should have to pay it.

I think the toy maker should pay it and then some.

So who do I contact? I’ve found a lawyer at the Crowe and Mulvey Law Firm who deals with unsafe products, but it’s related to deaths. Should I contact them anyway and see if they will take the case? Or should I find someone specifically who deals with accidents but not deaths?

By the way, I want to make it clear that I’m not looking for a big cash payout or something. I hate people who sue for absolutely no reason. I want to make sure I get my money back for the emergency room, and I want them to take the product off the shelf so no one else has an accident. I’m not naive enough to think a call to their complaint line will get results on either of those points. I need a lawyer who will at least threaten to sue if nothing else.

But, again, I don’t know who to ask. And I’m afraid I’ll end up with a lawyer’s bill on top of my medical bills, which is the last thing I need.

So does anyone have any recommendations? Anyone know a trustworthy lawyer who doesn’t charge too much for these sorts of things.

Please remember, there could be kids’ lives at stake, so get back to me as soon as possible. I’m happy to share more detailed information about the even privately.

Why Obtaining Social Security Disability Can Be Difficult

When applying for Social Security disability, it is important to know that it is not a simple and easy process. Most people who apply for these benefits, with physical or mental limitations, find that this process is more stressful due to their limitations. The disability process includes filing an application, and most applications are denied at this level. Then there is the reconsideration level and hearing level.

If you try to ask questions about how the social security disability process works, it can be difficult to get those answers right away. The claims representatives process your claims and can ask basic questions, but there are disability examiners that make the decisions on your claim. You may be in contact with such an examiner to discuss your work history, daily living activities, and your medical history.

Why is the process so time-consuming? The Social Security uses a very distinct definition of disability. It is not enough for have a certain percentage loss-of-function or to lose the ability to return to a job. The individual must have a severe medically determinable impairment (either mental, physical or both), which needs to last for one full year or longer. Secondly, the condition needs to be severe enough that it impacts normal daily activities and interferes with the ability to do basic work activities.

Furthermore, when the applicant for Social Security disability benefits supplies medical physician and clinic information, Social Security then sends out letters to those physicians and clinics, asking for specific information related to the claimant. The address and other contact information that you supply to Social Security needs to be accurate, or it could cause a significant delay in your case.

Additionally, it is important for you to supply a complete and detailed work history during your interview for disability benefits. It is best to write down this work history before your appointment so that you don’t forget or accidentally omit anything in error.

Typically, if your limitations don’t rule out the ability to return to your former work, you may be denied on this basis. If limitations prevent you to return to your former job, you will move to a final step – determining whether you have education and skills to possibly perform any other work. If your condition is severe enough where you cannot do your previous work or any work that relies on their education and job skills, you will most likely meet requirements for disability.

Decisions regarding disability claims can take between 90-120 days, or longer, from the time that you apply for benefits. It is best not to get discouraged, as the denial rate for initial and reconsideration applications tends to be somewhat higher than you’d expect. However, going through the reconsideration phase allows you to get the hearing, and this phase may get you the approval that you need. Due to the length and complex issues surrounding the application process, it is highly recommended to seek out attorney representation, as he or she can handle all necessary paperwork and be able to advocate for you.

Avoiding Investment Fraud

When you have decided to invest your money, you are making a significant decision about your finances. There are many inherent risks that come with investing, but there is also the chance of a significant return, which encourages many individuals and businesses to continue investing. This is a serious decision that can have an important outcome in an individual’s financial well-being. For this reason, many people choose to work with investment brokers or another financial professional, who have the knowledge and expertise to help them make smart investing choices. Although many brokers really do work for the benefit of their client, some also take advantage of their position and make money at their client’s expense.

According to the FBI, investment fraud is defined as “the illegal sale or purported sale of financial instruments.” This refers to any sale made with an investment broker or another financial assistant that does not have any legal standing or does not intend to help the client receive any money in return. These schemes can usually be identified if the terms of the investment seem too good to be true. Some examples of these include:

  • Offers of low or no risk investments
  • Guaranteed returns
  • Overly-consistent returns
  • Complex strategies
  • Unregistered securities  

Although it may seem difficult to identify these factors on your own, the U.S. Security and Exchange Commission notes a number of ways you can protect yourself from entering into a fraudulent scheme. Some of the best steps you can take include:

  • Asking questions: make sure to do your research before entering into any kind of investment. The information you find will help you determine if it is a legitimate offer
  • Getting to know the salesperson: look into the individual’s licensing and credibility as well as the firm’s history with investments
  • Being wary of unsolicited offers: companies that reach out to you to invest in them may be looking to take money from unaware investors. You should always look at a company’s financial history before choosing to invest

Each of these strategies requires you to do extra work before you invest, but this is the best way to keep yourself from entering into a fraudulent operation.

Protecting your financial interests is an essential part of being financially stable in this uncertain economy. With the prevalence of scammers growing in all different areas, you can never be too careful about where you are sending or spending your money. Although it is certainly easier to hope for the best when investing, this is not a safe or smart choice to make. This is an important decision that you must take time to think through

If you believe you have already entered into a fraudulent investment, however, you are not alone. An investment fraud attorney can help you take the appropriate steps to get your money back and stop the firm or broker at fault. It may be a difficult road, but these attorneys are prepared to help you understand your rights and take back the money you have lost.

Drunk Driving Accidents: Causal Factors

The worst car accidents are those that involve preventable errors. This is especially true on cases where the errors have been done because of recklessness or utter negligence. They become even more tragic if an innocent party has been involved and hurt.

One of the best examples here is drunk driving. Drunk drivers often cause accidents, even though it is fairly easy to avoid the practice. There are instances where they crash on their own or collide with other unsuspecting motorists and pedestrians.

According to the website of Hach & Rose, LLP, those who have been involved in auto accidents caused by drunk drivers may have legal options. This can be a nice way to prevent drunk driving accidents, but sadly, they still happen. Below are the most common causal factors that surround them.

Reckless or Negligent Driving

The most obvious factor is reckless or negligent drivers, because of course, they are the ones controlling the vehicles. Alcohol can negatively impact their driving, resulting into accidents, and worse, deaths of innocent parties.

There are only two ways to avoid this factor – by making the car inaccessible or getting a designated driver. If drivers cannot control themselves, it is better to leave the car at home and take public transportation. If they already have the car with them, they can get a friend to drive them home.

Dram Shop Liability

The website of Clawson & Staubes, LLC: Injury Group has mentioned that licensed commercial establishments who overserve alcoholic beverages to their customers may be held accountable if an alcohol-related accident occurs.

When you think about it, these establishments should not be the only ones limiting alcohol serving, but also private individuals organizing house parties and the like. Saying no to a customer or a friend is sometimes the only way to prevent injuries and deaths.

Law Enforcement

It can also be said that drunk drivers are still on the roads because of confidence that they will not get caught. This means that the law against drunk driving is not enforced enough to deter individuals from even trying driving while under the influence of alcohol.

The best way for the local government to show how serious they are against drunk driving is by tightening law enforcement. Prioritize drunk driving cases in court. Set up sobriety points near dram shops, freeways, and other strategic locations. They can also create drunk driving programs to spread awareness.

Common Choking Hazards for Children

Children are not just physically and mentally limited to protect themselves, but they can also be curious and reckless, putting them at risk of injuries. One of the most common causes of injuries in children is choking. As the adult, you have the responsibility to make sure that the children are in safe conditions to prevent the risks of choking.

The common choking hazards for children are listed below, because the first step to prevention is knowledge.

Food
Children have the tendency to not chew their food and swallow it whole, putting them at risk of choking. The most common food items that can be choking hazards are hard and round, such as nuts, seeds, popcorns, candies, raisins, hotdogs, and even chunks of meat and vegetables.

That does not mean you should avoid these food items altogether. You can cut them up to smaller pieces, so when the child accidently swallows them whole, they will not be stuck in the throat. Also, discipline the child to focus on the act of eating and to employ the proper eating position to prevent accidental choking.

Toys
Consider the toys you get for your child, as they can be choking hazards as well. This is especially true on small toys, such as balloons and marbles. But even big toys can be choking hazards, especially those that have small detachable parts that your child may put in his or her mouth. Avoid these kinds of toys or at least read the age-appropriation of the toys before you buy them for your child.

Toys as choking hazards are taken seriously even by the legal community. There are lawyers who specialize on choking hazard claims on children toys, such as those from Habush Habush & Rottier S.C. ®.

Small Objects
Any small item inside or outside the household can be a choking hazard, such as coins, pins, magnets, and rocks. Always supervise your child to make sure that he or she is not putting small objects in the mouth. Even better, make small objects inaccessible for your child. Put the coins, pins, and magnets on places where they are organized and not on the reach of your child.

Defective Seat Belts

Of the more than five million vehicular accidents all across the U.S. in 2012, more than 2 million drivers and passengers required treatment in emergency departments, while more than 30,000 lost their lives. According to the Centers for Disease Control and Prevention (CDC), had the drivers, who got involved in accidents, only wore a seat belt, then the number of injuries and deaths could have been cut by no less than half.

A seat belt is a crash-safety device; it keeps a car driver and other car passengers from sustaining serious or fatal injuries during crashes. It is designed to keep their bodies from colliding into a vehicle’s hard interior surface or with another passenger, or from being thrown out of the car. To be truly effective in providing the protection it is intended to provide, however, a seat belt should be a combination of shoulder and lap belts.

Though seat belts have kept millions of drivers and passengers safe during collisions since the 1950s, there have also been times when these have failed to immunize anyone from injury or even death. Serious injuries or death have occurred when the force of impact is very strong (such as the force created as two speeding vehicles collide) or if there is a defect in the seat belt design or material.

In 1995, as many as 8,428,402 vehicles in the U.S. which were equipped with seat belts from Takata Corporation of Japan had to be recalled. The recall was made due to complaints filed with the National Highway Traffic Safety Administration, saying that portions of the release buttons on the Takata seat belts could break off and jam belt latches – this could cause the belts to unbuckle in auto crashes. This defect was linked to 47 injuries. In November of 2015, Tesla Motors Inc. also decided to recall its entire all-electric Model S fleet due to a single incident wherein its sedan’s seat belt assembly broke.

According to a Dallas car accident lawyer, defects in seat belts is a result of an error committed because of carelessness or negligence. Due to this, what has been intended as a safety device has, instead,become a threat to life. Defective seat belts are products of negligent manufacturers and, under the tort law, innocent victims are given the right to seek compensation from parties whose actions unjustly cause injuries to others.

Assault and Battery: Who Can be Held Guilty of This Act?

Assault is a deliberate act which puts a person in fear of physical harm that he or she may be about to suffer. This definition connotes that physically harm need not be inflicted and that merely causing another person to fear its possibility is already an act that deserves punishment.

Assault, however, is just a threat. If there is actual physical harm on another person, then this would be battery. Before, assault and battery were considered separate crimes, with battery being taken as “completed” assault. Currently, however, many modern laws no longer distinguish between the two crimes and refer to assault as a crime of actual physical violence (despite the absence of distinction, it is still possible for a person to be convicted only of assault without battery, such as when he or she raises his or her fist in a threatening manner, but without actually throwing a punch. In like manner, a person may be convicted only of battery without assault, such as when he or she pushes or punches someone else from behind, without first making nay threats).

With regard to the penalties and sentences for an assault and/or battery conviction, state laws vary greatly. Conviction can include fines and/or imprisonment, and, depending on how severe the offense is and the criminal history of the offender, a repeat offense will most likely result to stiffer penalties. Stiffer penalties will also be meted out on offenders whose victim is a family member, a person living with the offender, or a public servant, such as a police officer, a firefighter, a paramedic or a teacher.

Assault (or simple assault) is a misdemeanor crime; however, if the threat is made with a weapon of any kind or with the resolve to commit a serious crime, then this shall be considered as aggravated assault, which is a felony. Likewise, an assault committed against a person, with whom the offender has a relationship, is considered an aggravated assault or a felony. A person, on the other hand, commits an aggravated battery if he or she accomplishes it using a deadly weapon or if he or she has intent to commit murder or other serious harm.

As pointed out by a San Diego personal injury attorney, the courts can punish more than just the perpetrator of violence and assault. Legally, people who aid and abet, counsel or encourage the assailant or assailants are liable, even if they did not physically harm the victim or victims. In addition, owners of a property or a business firm where the attack occurs, can be held legally liable if the case is assault.

Common Overtime Pay Violations

Each individual department in the workplace has their own respective goals to meet. There are instances when the regular working hours is not just enough to meet their target. As a result, the employees need to work overtime with the authority of their managers of course. After rendering the extra hours, the bad news is that they may end up not being paid their overtime pay.

The website of Habush Habush & Rottier S.C. ® reveals that employers devise several ploys to keep themselves from paying overtime pay. They use their employees ignorance of overtime laws to work their way around and deny employees of their overtime pay. Here are some of the tactics that employers use to avoid payment of overtime pay:

  1. Classifying Employees As Independent Contractors
    Employers are aware of the Fair Labor Standards Act (FLSA) which disqualifies independent contractors form receiving overtime pay. This way, aside from not paying employees overtime pay, employers are also exempt from paying state and Federal taxes for independent workers. However, if the employee works 40 hours weekly, they are really entitled to receive overtime pay.
  2. Paying employees straight time
    Rather than pay their employees 1.5 times their regular rate, employers make their workers as hourly paid employees.
  3. Unauthorized Overtime
    Employers will tell employees that their overtime was not pre-approved by their superiors and hence have the grounds not to pay overtime pay. The law requires employers to pay employees for the excess of 40 hours per week if there was prior approval.
  4. Employers classify their workers as commissioned employees
    The first thing that an employer will tell their employees is that they are “commissioned” and hence not entitled to overtime pay.
    These are just some of the ways that employers use in not paying their employees with overtime pay.

When It’s Time For Assisted Living

Dementia is a very serious mental health problem that can cause riffs in the family if family members don’t know how to care for them. Although many families would rather have their every one in their family be with them, caring for those with dementia can take its toll and cause exhaustion, both physically and financially. This is the reason why SeniorAdvice.com suggests finding an assisted living facility for your loved one to ensure that they are well taken care or and their health are looked after.

There are various signs that point out your senior loved one is better off in an assisted living than staying at home. Among such sign are them wandering off on their own for long times and the incident has become more frequent. This can lead to injuries that could be serious or even fatal given the fragile state of their health. Another pronounced sign is their increased irritation or aggression that can disrupt everyday family routine. Other signs are the increased in care needs and the stress that it causes to the caregiver. Dementia may require more than just physical help, and caregivers are often not well equipped to help provide these increasing needs, which can lead to problems in the long run.

It is always very hard to decide putting your loved one in an assisted living facility and have them be away from you and your family. However, it may be the best choice if your elder loved one is seriously in need of care and you are not able to provide them the much needed help that they need. Assisted living facilities provide health care and attention to their residents to guarantee that they are given the best experience in their senior years. Planning ahead would help in making sure that finances are not compromised, and make sure to stay informed and updated on options regarding financing elder care and how to provide them with not only the right care but also the appropriate activities that will help keep them healthy and enjoying life.

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