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One of the first things that you notice as an adult is that the education system that you’ve just come out of completely neglected to incorporate one of the most important subjects; personal finance.  That’s why most young adults just don’t have the skills to handle money as they don’t even know the basics of how to stay out of debt or even apply for credit without getting taken advantage of.  That’s why we decided to write the following article, highlighting the most important considerations to make when thinking about money and how you can leverage this knowledge to improve your personal finances.  Think About Your Financial Future ...
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It’s not surprising that in the fast pace of the hospitality industry, certain workplace injuries are fairly common. This industry includes a wide range of businesses, such as restaurants, pubs, hotels, caterers, and fast food takeaways.  Each unique setting has its own hazards and risks and it is impossible to prevent all accidents. However, it is important to put various safety measures in place so as to reduce the risks of them happening, especially the ones that are most common, such as slips, trips and falls.  Slips, trips and falls Nearly every workplace has the potential for slips, trips and falls to occur. A simple cause could ...
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Buying an existing business has a number of advantages over starting your own business. You already have a customer base, employees and an established cash flow. You do not have to set up new policies, systems and procedures.    It will obviously cost more to buy an existing business but it is usually easier to get financing if a business has a proven track record. However, you will need to make sure you buy the right business. Here is some advice to help you with your decision.    Decide what you’re looking for   Think about the types of businesses that best match your experience , skills and interests. You can also narrow your ...
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Aging is natural and none of us can avoid it. But, it becomes ever more important to have access to good quality health care as we age, based on one’s needs.  Medicare Advantage is a popular healthcare package for those looking to make the most of their health in the waning years.  Of course, there’s traditional Medicare which has always been known as the main coverage for people aged 65 years or older. It covers things like hospice care, preventive services, physician consultations and hospitalization.  Although there’s plenty to like about Medicare, there’s a new and rapidly-advancing group of private health care providers who are giving ...
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An offer in compromise (OIC) aims to assist taxpayers who will never realistically have sufficient funds to settle their outstanding taxes. Because an OIC settlement nets the IRS (Internal Revenue Service) less than owed, all OIC applications are subjected to intensive scrutiny. There are stringent criteria an OIC applicant must meet to qualify for this agreement. The IRS works on the assumption that taxpayers have enough money to settle their debts. You will need to prove that you do not fit into this category. OIC types There are three types of OICs you can apply for, and it is best to approach Fortress tax relief to determine which one ...
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Possible misuse of sensitive personal data was the main ground for blocking Chinese web-applications, wherein the government invoked the power under Section 69A of Information Technology Act, 2000 (hereinafter referred to as the IT Act), terming it as a threat to the sovereignty and integrity of the country. Sensitive personal data can be used as a weapon due to its inherent characteristic of allowing you to launch an attack through sheer narrative power. This has been established in various cases where its use in causing riots, influencing the election outcomes, disinformation campaign during the war, shaping the ideologies by terrorist and anti-national ...
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Spyware evidence is playing a decisive role in court cases. Recently, Delhi high court has admitted evidence collected through spyware illegally installed by the husband in his wife mobile. Gone are the days when you have to steal the data by physically accessing the device, Now, spyware has enabled stealing data remotely and covertly with  minimal chances of detection and the prosecution. Further the privacy has become paramount due to capturing of personal sensitive data by multiple devices / applications used by an individual. In such scenarios, the exposure to spyware can be fatal in terms of espionage or data loss whether it may be personal ...
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If you’re lucky enough to have Medicare then you probably use Part D of your plan a lot because that’s what covers your prescription drugs.  However, certain medications are actually covered under Part B of your plan, depending on the medical condition that you have and the types of medications that it requires.  With that said, there’s a push to make medications more affordable for those who need them most.  With Medicare Part D you’re not allowed to use the coupons you get from your manufacturer, which is why the Trump administration has created the American Patients First plan which is designed to keep medication costs down for everyday ...
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When you start any business, you usually begin by doing all of the tasks involved because you either can’t afford to hire a lot of people or that’s just how things naturally evolve.  However, it’s important to pay special attention to your role as an employer especially when it comes to employment law.  Learn About the Differences Between Employees and Contractors A lot of startups prefer independent contractors because they’re more cost-effective than permanent employees.  Hiring an independent contractor can significantly reduce your overheads and you don’t have to include them in your medical or worker’s compensation insurance.  ...
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Drinking impairs reaction time, visual functions and a sense of spatial judgment. This is why drinking and driving can make a lethal combination, especially for teens, and greatly increase the risks of crashes, injuries and fatalities.  Car accidents are the main reason for the death of teens in the U.S. today and a DUI (driving under the influence) charge has serious consequences.  Frightening statistics According to the CDC , one in 10 teens in high school drinks and drives. Young drivers aged from 16 to 20 are 17 times more likely to die in a crash when they have a blood alcohol concentration of .08% than when they haven’t been drinking.  ...
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Making it in the corporate world is sometimes a difficult task, especially during hard economic times. Apart from experience, proper education is the one thing that can give you an edge over your competitors.  The corporate field that you want to grow in has its subset of degrees that you can obtain to bolster your reputation. It often happens that the degree or qualification that you obtain is not as important as the journey you took to complete the qualification.  A good academic background shows employers that you have a good working ethic and that will shine through in your applications. Here are some of the degrees that you can do to speed up your ...
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If you’ve been in a car accident and seek to file a vehicle accident settlement then you’re essentially holding the other party liable for damages incurred including your injuries.  That way, you don’t have to fork the bill for an accident that was caused by someone else. However, to get a fair settlement, sometimes you need someone powerful on your side.  An experienced truck lawyer, as well as the right knowledge to help you take the right steps after your accident, will increase your chances of getting a fair settlement.  Call 911 The first thing you should do once you realize that you’ve been in a car accident is to consider ...
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You’d think that the reasonable thing to do after you’ve been involved in a car accident would be to stop and try to assess the damages. However, in many cases the person who is to blame for the accident simply drives off without looking behind. Statistics show that the numbers of hit-and-run fatalities has increased in recent years, so these events happen more often than one might think. Not stopping after being involved in a car crash is considered a felony if the accident resulted in injuries or death. So why do drivers act so irresponsibly and flee the scene? Here are some of the most common reasons for hit-and-run accidents. Driving under the influence  ...
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What stops the Government of India from initiating prosecution against Twitter, when it has committed a criminal offence which requires  the offenders to be prosecuted as per law? If the boundary of India would have been changed in the map on paper or the internet in general, it would have attracted a criminal offence whereas the impact of changing geo-location is more serious as it would not only cause more impact on the residents of the area as well as on our soldiers fighting on border but also for the entire world community considering the vast traffic on Twitter. If it would have been done by some other company, the law would have taken its ...
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It’s a tough time for a solo attorney right now because you don’t have a big name firm to isolate you from the effects of the COVID-19 crisis.  The good news is that we’ve got your back. We’ve been where you are and we know how it feels like to always think about money (or the lack thereof) when you’re still starting out as a solo lawyer.  Here are some of our best tips on how to improve your bottom line as a solo operator.  Open a Bank Account for the Firm It’s always a good idea to separate your personal and business finances, which is why this is common advice. Muddying the waters could make it near impossible to track expenses ...
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As the world progresses, the number of accidents is on the rise, mainly because new and fast vehicles are manufactured daily. As you may have already noticed, there are a few types of cars on the roads these days, depending on the cargo they transport. But, even if the automotive industry is continually progressing and delivering tech-enriched vehicles, careless drivers cause devastating accidents. Sadly, experts estimate that by 2030,  truck accidents will be the fifth-largest cause of death in the USA , and these are only a part of the total number of vehicle accidents that happen on Us roads. Chances are to get involved in a car accident at a certain ...
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Renting a private property to a tenant can involve all kinds of legal requirements and not complying with the law can invalidate parts of a contract and leave a landlord powerless. The most common form of tenancy is an assured shorthold tenancy and most new tenancies are automatically this type.  An assured shorthold tenancy means the tenancy started on or after 15 January 1989. It also means the property rented is private, the landlord does not live in the property and it is the tenant’s main accommodation. As residential tenancy law favours tenants, landlords must protect their rights within the framework of the law.  How long is an assured ...
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The brain is the most complex organ we have. It weighs about 3 pounds and controls everything we do. So what happens when a person suffers from a traumatic brain injury? What happens if your brain has lost the means to control what you do and say? And what does the recovery journey look like? Time is needed – maybe a lifetime With mild Traumatic Brain Injury (TBI) such as a concussion, you can recover brain function within three months or so. However, with severe TBI, you can’t put a time on recovery.  It all depends on the area of trauma, the damage done, how long the person is in a coma, and other factors. With severe TBI, you have to know ...
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The Law School Admission Test (LSAT) is a make or break it moment for would-be attorneys. It is not for the faint-hearted and requires hours of preparation if you want to succeed and get into your law school of choice.  The LSAT’s logical reasoning portion counts a whopping 50% of your score, making it a skill you need to hone before you sit down to write yours. But what is logical reasoning, and how can you become better at it? Understand logical reasoning as a concept Logical reasoning requires a student to take a text presented and apply it to a set of multiple-choice questions in the LSAT. Usually, there are two logical reasoning sections in ...
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“Moral of the story is if we make ‘Arbitration Clauses’ sacred or unquestionable then in the disputes of strong and weak, justice may not win but stronger party would always win”  – Hon’ble District Judge, Sh. L. K. Gaur   The entire world is moving towards alternative dispute resolution for faster, inexpensive and procedural flexibility as compared to the court litigation. In order to encourage the adjudication through ADR, the legislation has been amended the Law to include mandatory recourse to these remedies before proceedings in the court. The Government of India has also amended the Arbitration and Conciliation Act. 1996 in 2015 to ...
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