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Chapter 7 Bankruptcy Exemptions

Posted by on Jun 1, 2013 in Financial, Legal Issues | 2 comments

http://www.beustring.com/When a person’s debt loads become too much for their financial situation to support, it may be necessary for that individual to seek bankruptcy protection in order to return to financial solvency. However, there are several different forms of bankruptcy which an individual may pursue, depending on their financial situation and the state in which they live.

One popular form of bankruptcy, Chapter 7, involves the liquidation of an individual’s assets in order to completely erase all but a few forms of debts. While this option may sound intimidating, many debtors ultimately find it to be the best route. This is particularly true because of the considerable exemptions that individuals pursuing Chapter 7 bankruptcy may enjoy.

The following are some of the various types of property exemptions that individuals undergoing Chapter 7 bankruptcy may be able to use to protect their most important assets, depending on the state in which they live:

  • Ÿ  Homestead exemptions, which allow debtors to exempt certain levels of equity in their homes from bankruptcy proceedings.
  • Ÿ  Vehicle exemptions, which allow debtors to exempt certain levels of equity in their vehicles.
  • Ÿ  Work equipment exemptions
  • Ÿ  Family heirloom exemptions

These and other property exemptions can help to make Chapter 7 bankruptcy a manageable choice for many debtors.

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Occupational Hazards

Posted by on May 30, 2013 in Legal Issues, Personal Injury | 1 comment

All workers face some form of occupational hazard as a result of their chosen career, whether minor or major. Understanding and learning to avoid these hazards is, therefore, an important task for all workers in order to protect their health and well-being.

One of the most dangerous occupational hazards is also one of the most mundane: operation of a vehicle. In fact, vehicular accidents account for the most job-related deaths each year in the United States, but few give this issue the appropriate amount of attention it should have. Another common occupational hazard which is not typically given the appropriate level of attention involves fall accidents, which are particularly common in blue-collar industries such as construction and lawn work.

According to the website of personal injury lawyers Crowe & Mulvey, other occupational hazards may be more clearly apparent, and therefore easier to avoid. Exposure to harmful chemicals and toxic substances, something that workers in fields as varied as scientific research to hairdressing may face, can cause extremely serious injuries to occur, but most workers, being aware of the dangers these substances can cause, are able to avoid unnecessary or unsafe contact. Similarly, heavy machinery, while extremely dangerous if used incorrectly, is often treated with appropriate care by workers, reducing the number of accidents that it might otherwise cause. This, of course, comes with adequate training into the dangers of these machines, as well as safe operation habits.

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Becoming a Naturalized US Citizen: Now Easier For Green Card Holders

Posted by on May 24, 2013 in Legal Issues | 3 comments

Becoming a Naturalized US Citizen: Now Easier For Green Card Holders

Oftentimes, the best immigration attorneys are those who were, in the past, immigrants themselves because they know and have felt almost everything those aspiring for residency in the US or an American citizenship are experiencing now. Despite the complexity of the immigration law and the fact that so many applicants are denied entry in the US repeatedly, these lawyers make effective use of their various experiences on immigration law cases and combine these with expertise, compassion, dedication and a strong work ethic that will help individuals and families get approval for the immigration that they aspire for. Such are a number of dependable lawyers in Austin, Texas; former immigrants who see themselves in the people who now seek their legal assistance.

Immigrating to the US is a dream to so many individuals all around the globe; more than that, though, is the hope of obtaining a green card and be acknowledged as a lawful permanent resident (LPR), but still much more would be getting an approval for naturalization or citizenship. There are various immigration- related cases where lawyers can help you and these include visa and immigration status, green card, family or employment immigration, citizenship and deferred action.

Aware of the wealthy contribution immigrants can offer its economic, social, and political growth, the US government itself has endeavored to find ways to allow this wealth to seep into the nation’s various sectors, specifically by introducing the most substantial changes in the immigration law ever – changes that will grant citizenship to at least 11 million undocumented immigrants. This comprehensive immigration reform bill, called the S. 744, is titled Border Security, Economic Opportunity, and Immigration Modernization Act; it was introduced by a group of bipartisan senators, recognized as the “Gang of Eight.”

The bill allows for the formation of a registered provisional immigrant (RPI) program that will legalize undocumented immigrants who have been in the US since December 31, 2011. This program includes those who were in the US prior to said date, but were deported (for reasons other than criminal); these people may also apply in the program, provided that they have family members residing in the US. The applicant’s spouse and minor children may also apply but only if they satisfy the requirements. Eligibility of applicants requires that the applicant: has never been convicted of any serious crime; must pass a background check; must pay an application fee, assessed tax responsibility and a fine of $500. An RPI can enjoy unrestricted travel permission and work authorization; his or her initial registration will last for six years.

Another major benefit the bill introduces is the immigrant’s opportunity to become a lawful permanent resident (LPR) or a green card holder 10 years after being a registered provisional immigrant, provided that he or she has complied with all the conditions required. Becoming a naturalized citizen follows three years after obtaining a green card.

The bill contains so many other reforms touching on immigration; these can be explained very well by immigrant lawyers, who will also be able to help you with all your immigration concerns and needs. Seek these lawyers out in Austin; they are definitely the best people who can help you for the simple reason that they have been where you are now.

 

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In the Event of an Accident – Make Sure You are Covered

Posted by on May 20, 2013 in Personal Injury | 0 comments

Cars fill up US roads every day as it has become the ordinary means of transportation for millions of people in the US. With the number of cars still increasing, implementation of traffic safety laws have become stricter, with the hope of significantly decreasing car accidents, which reach up to five million every year – that means about 590 accidents every day.

More than damaging properties, car accidents greatly affect the life of an injured victim, sometimes altering his or her life forever. Though some factors are beyond human control, majority of the accidents are still attributed to carelessness or reckless behavior and driver error, which includes sudden breaks and / or turns, and failure to use turn signal lights. Such reasons make the guilty party more liable for the harm he or she has caused.

Part of the responsibilities of the liable party is compensating the victim for whatever financial sufferings he or she is, and will be, faced with. For this reason, motorists living in tort states are obliged to prove financial responsibility or carry liability insurance. This insurance, however, will benefit only the injured victim; the person who caused the accident and injury is excluded.

According to the car accident lawyers at Habush Habush & Rottier S.C.®; there is another insurance, though, that will cover the cost of medical treatment needed even by the liable party – the Personal Injury Protection or PIP. This means that even though you were the cause of the accident, you and your passengers (if you have any) will be covered by this insurance. The good part is, besides the medical cost, PIP also includes in its coverage lost wages, child care, household maintenance and funeral expenses. Other than Detroit, Michigan, the other states that require PIP are Washington D.C., New York, Utah, Pennsylvania, North Dakota, New Jersey, Massachusetts, Minnesota, Kentucky, Kansas, Hawaii and Florida.

Despite the insurance required in the state where you reside or being able to prove financial responsibility, it is still best that you seek the assistance of a highly qualified car accident lawyer whose expertise and vast experience in dealing with insurance and compensation will help ease the financial burden in you. With his or her help, you have greater chances of receiving the maximum limits of your insurance or getting the right amount of compensation from the liable party.

 

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Asset Protection in The State Of Texas

Posted by on May 16, 2013 in Financial | 2 comments

Law Office of Russell Van Beustring P.C.

Bankruptcy has been a centuries-old practice in the US, but it had always been the last resort taken by debtors, probably due to its complexity and the shame it brought. During the 1990s, though, due to the legal shelter and relief from serious monetary troubles it provided, bankruptcy became a widely accepted option for individuals, corporations and even local governments.

Bankruptcy is a federally certified procedure aimed at relieving debtors of their debts by legally allowing them to make repayment plans or partial repayment arrangements. Cases involving bankruptcy are filed in United States Bankruptcy Courts and fall under the jurisdiction of the federal law; the state may exercise authority, but only on those debtor-creditor issues which are neither addressed by, nor in conflict with, federal bankruptcy law, like property rights, debts arising from contracts, medical bills, rental leases and others.

No matter how big your debt is, by invoking bankruptcy, there are two major benefits that you will get to enjoy as soon as you file it: first is the automatic stay, which puts all debt-collection activities by your creditors to a freeze; the second, which actually depends on the specific bankruptcy chapter that you invoke, is either the time to create a plan for financial reorganization or to make arrangements for partial repayment.

Another benefit you will appreciate is protection to your most valued assets or properties. Bankruptcy laws, as well as state laws, allow you to choose and keep specific properties. Rather than lose everything, or many of what you worked so hard for, to your creditors, these laws give rise to what is called “property exemptions” or “asset protection.”

Each state has its own exemption laws that identify certain properties which you can keep. The federal bankruptcy law likewise offers a list of properties, with their dollar-value, that may be exempted (this list also includes the maximum dollar amount of your exemptions). Although you can choose either the state or the federal exemption list you cannot, however, match and/or mix exemptions stipulated in the state law and federal bankruptcy code.

In the state of Texas, specifically, you are offered a choice between state or federal exemptions, so that you either choose the exemptions listed in the U.S. bankruptcy code or the Texas bankruptcy exemptions. In Texas, some of the properties that can be exempt include homestead, motor vehicle, personal property (like books, sporting equipment, and firearms), pensions and retirement accounts, insurance exemptions, wages, social security benefits, civil service benefits and veterans benefits.

Changes in exemption amounts are made from time to time, so it is necessary that you check and review Texas laws to verify.

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Transvaginal Mesh Patch: Good Intention, Harmful Product

Posted by on May 15, 2013 in Personal Injury | 0 comments

The Vaginal mesh implant or transvaginal mesh treatment is supposed to strengthen or replace insufficient tissue thickness and softness in the weakened vaginal wall. This surgical procedure, which also helps put an end to hysterectomy and alternative curative procedures, is essential when the female’s pelvic muscles can no longer support her urethra and bladder. Delay in treatment or failure to treat will certainly result to stress urinary incontinence (SUI) and pelvic organ prolapse (POP), pelvic disorders millions of women in the US suffer from and which make a person suffer from unrestrained bowel and urine movement.

Though introduced as a low-risk surgery, vaginal mesh implant is reported to cause severe complications, like mesh migration, mesh exposure, mesh contraction, mesh erosion, vaginal scarring and shrinkage, infections, bleeding and perforation of the organ. Even the US Food and Drug Administration’s Center for Devices and Radiological Health declared, in 2011, that transvaginal mesh placement was unsafe for women with pelvic organ prolapse. The center also said that once implanted, removal of the vaginal mesh device may no longer be possible, making the person suffer, from the complications it causes, permanently.

The treatment consisted in the placing of an absorbable biological or porous synthetic substance in the vaginal wall which would take away any discomfort and pain brought about by SUI and POP. Instead of providing relief, however, more harm has been caused. Reports, in fact, have stated about seven deaths and as many as 3,874 complications between 2005 and 2010.

The four leading manufacturers of transvaginal mesh patches are Johnson & Johnson, American Medical Systems, Bard and Boston Scientific. Although no one can fully remedy the serious harm already done, it is still necessary that the liable party be brought to justice – first, to help make sure that they no longer lead anyone to believe that their product is safe and, second, for you to receive the compensation that you rightfully deserve.

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Light, Shadows, and Shading

Posted by on May 14, 2013 in Drawing | 1 comment

One of the first and foremost concepts an artist will have to become familiar with is how to draw different amounts of lighting. Drawing lighting and shadows correctly makes a tremendous difference in a picture’s overall quality. This is because shadows are a huge part of what creates the illusion of three dimensional space on paper, a two dimensional environment.

Being able to identify the primary light source of your drawing is the most important aspect to understand about illustrating light and shadow. Examine how and where light reflects off of your drawing’s subject. Pay special attention to which areas are covered by shadow, especially when those shadows are cast by the light being blocked by part of the subject (such as around a person’s nose).

drawing showing use of light and shadowThere are many ways to go about filling in shadows. One of the most popular is hatching. Hatching involves drawing a series of parallel lines to create the effect of a shadow. They can be placed right on top of one another or spaced slightly apart to create dark areas and areas with spread out light, respectively.

You will have to be able to understand areas of light and darkness in terms of grayscales to translate them from real images to drawings. Using pencils of different hardness and using more or less pressure can do a lot to help you capture all of the different possible values of gray. This is difficult and takes a lot of practice. One way to get in a lot of practice is to draw a ball against a strong light source again and again until you get it down.

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Finding a Personal Injury Lawyer

Posted by on May 13, 2013 in Personal Injury | 1 comment

Finding the right personal injury lawyer to represent you in court may be the key in getting the proper compensation in a very fast manner possible. There are a lot of lawyers out there who says they can help you, but not all of them are familiar with the ins and outs of personal injury law. This is why it is vital to find the right one, especially if you have been severely injured due to an accident or reckless behavior of another person or party.

If you have just recently encountered a serious injury due to another person’s fault, then you might get compensation by filing a personal injury claim. With so many lawyers out there, it might seem daunting to find the right one, so here are some tips on where and how you can find the best personal injury lawyer for your specific injury case:

  1. Bar associations – generally all lawyers become members of these organizations, and as such, they can provide you with lawyer’s credentials and curriculum vitae. These organizations can provide you with lawyers who specialize in personal injury law.
  2. Yellow pages – even with the fast access of the internet, yellow pages can still provide you with attorneys who specialize in personal injury laws.
  3. Inquire about them to your lawyer – whether you asked their help for writing a will or for real estate transactions, asking your lawyer on their recommendations can guarantee you have enough options for a personal injury lawyer. Ask your lawyer for at least 3 persons whom he trusts can help you with your dilemma.
  4. Internet – just about every bit of information can be found in the internet. Searching for personal injury lawyers in your area do not only give you their names, you can also find their backgrounds, other cases and even inquire them about your case.
  5. Ask around – it does not hurt to ask other people about different lawyers. Word of mouth is still a strong advertising medium for many legal firms, and asking about them can inform you about their services and how they handle their clients.

Looking for the right personal injury lawyer doesn’t need to be all that hard and confusing. Just knowing where to look for them is the first step in fighting for your right for fair compensation after an unjust accident.

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Why use Pastels?

Posted by on May 13, 2013 in Drawing, Pastels | 1 comment

drawing with pastelsWhen they are just starting out, some artists have difficulty isolating which medium would best represent their goals for a piece. There are many to choose from, each with their own benefits and disadvantages. Today, we’ll examine pastels.

Like paints, pastels are made from pigments attached to binding chemicals, but they are special because the amount of binder they need is much lower than other mediums. This gives them vibrant colors that are hard to accomplish in other mediums.

There are many benefits to using pastels. They are not as expensive as colored pencils, and are more portable than paints and brushes. They can vary in hardness depending on the type of pastel and the brand. Harder pastels will draw edges better and be easier to create details with, while soft pastels have higher pigment concentration.

However, pastels do have a few drawbacks. Primarily, a finished work must be glazed, otherwise it may smudge when it’s dusted later. The actual pastels themselves are often brittle and break easily, so it’s important to be careful when transporting them.

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The Severe Consequences of a Traumatic Brain Injury

Posted by on May 12, 2013 in Personal Injury | 0 comments

One of the most serious injuries an individual can suffer from is traumatic brain injury or intracranial injury; it is caused by an external physical force and can be acquired through violence (like child abuse), motor vehicle accidents, falls, sports or while working, especially in construction sites.

Traumatic brain injury can result either in partial or total psychosocial impairment or functional disability, or both. People who sustain such injury suffer impairments in perceptual and motor abilities, psychosocial behavior, speech, physical functions, information processing, cognition, language, memory, attention, reasoning, abstract thinking, judgment, problem-solving and sensory.

According to the Centers for Disease Control and Prevention (CDC), about 1.4 million people sustain TBIs, making it one of the principal causes of disability and death in the US. While a mild brain injury may only cause a momentary dysfunction of the brain cells, a severe one can lead to torn tissues, bruising, bleeding and other brain damages which can cause permanent disability, even death.

One dangerous effect of TBI is that it predisposes those who suffer from it to further injuries; it has also been linked to serious illnesses, such as Parkinson’s disease, Alzheimer’s disease, epilepsy and diseases affecting the digestive, circulatory and respiratory systems.

Anyone who sustains a traumatic brain injury ought to be treated immediately, for any delay in treatment can lead to more serious consequences, like a more severe stage of disability, increased reliance on medication and medical equipment, and higher costs on medical care; besides lost earning potential the duration of which depends on the severity of the injury.

Obviously a cause of great suffering, the pain is still increased if you find out that the injury is a result of someone else’s negligent or reckless behavior. And though there seems to be no serious effect right after an accident or sometime after it, it is necessary that you observe the victim’s condition for any sign that may suggest a TBI, like nausea, weakness or numbness in limbs, headache, difficulty awakening or lack of coordination.

Though an amicable settlement initiated by the party who caused the injury may be a considerate move, it is still wiser to seek legal counsel from knowledgeable and experienced injury lawyers who know what your rights exactly are and the right amount of compensation that you legally deserve.

 

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