Daily Archives April 6, 2015

Finding an Injury Lawyer

Finding an Injury Lawyer

by: Jeff Lakie

A personal injury is something that we hope never to have to endure. Whether it occurs at work or elsewhere, there is little doubt that such an injury can be traumatic, both in physical and emotional terms. But while you are struggling to recuperate, perhaps enduring physical therapy, and probably requiring time off work, your financial situation cane find itself in even more dire straits. Thankfully, if you have had an unfortunate injury befall you, there is somewhere you can turn for help.
A personal injury lawyer can help you find out whether you are eligible to receive any financial recompense because of the injury you sustained and the difficulties that you encountered because of it. While any lump sum you are entitled to will not negate the effects of the injury, it will at least ensure that you are financially more secure during this difficult time.
It is best to contact a personal injury lawyer as soon after the occurrence of the accident as possible – this will help protect your rights, and get moving quickly on establishing what exactly your rights and entitlements are. Like any area of the law, personal injury can be confusing to the lay person, so it is best to contact an experienced personal injury lawyer before you proceed any further with the matter, so that you can fully understand the best course of action. There are also some time constraints involved in certain personal injury situations, so time is of the essence.
Personal injuries occur every day, in a wide range of situations, from vehicle accidents to injuries sustained playing sports, to a simple tripping in the street...

Read More

If you rent a home, protect it by buying Renters I

If you rent a home, protect it by buying Renters Insurance.

by: Mike Yeager

Renters insurance is often overlooked by people who are renting their house or apartment. Many people don’t realize that their landlord’s insurance only covers the building that you live, there in no coverage for your personal belongs. Renters insurance usually offers full coverage to protect your belongs from fire, flooding, theft, and many other types of perils. Most renters’ policies are actually very inexpensive, especially when compared with regular homeowners insurance; and it’s easy to get a renters insurance quote. People who rent their homes or apartments may not realize that they may need liability insurance. You could be held responsible for injury to another person if they were injured in your rented residence. Fortunately, most renters insurance will guarantee personal liability coverage. Renters insurance will be able to help protect you in case of a liability lawsuit against you. In addition, if the place you are renting becomes unlivable for any reason, most renters’ insurance policies will allow additional living expenses. This means that your insurance will pay for your hotel room or any other expense you may have if your home become unlivable.
Some suggestions keeping your Renters Insurance premium low.
The cost of your renters insurance coverage will depend on many factors, including the place you live, your insurance company, your deductible, and many other factors. One tip is to increase the deductible, which will in the long run lower the amount of money you will have to pay. If you put in safety measures like fire alarms, burglar alarms, and fire extinguishers your insurance company may offer a discount...

Read More

Consumer Handbook Available

Consumer Handbook Available

by: News Canada

(NC) – Having quality consumer information is the best protection you can have in today’s marketplace. The Canadian Consumer Handbook put together by Canada’s federal, provincial and territorial consumer protection agencies offers a wealth of information. There’s information on the differences between proper and improper business procedures, on how to approach banks, insurance companies, utility companies, landlords and many others. It also provides advice on consumer rights, making informed decisions, making a complaint effectively, and protecting yourself from unscrupulous dealers.
Complaining effectively is a skill that the Handbook looks at in full. Consumers should not be afraid to complain, as reputable businesses will be pleased to set matters right. There is information on how to keep track of what you have done to complain and what is the proper line of events that you should follow, from talking to the manager to going to small claims court.
This new Handbook is now available on line. Just visit Consumer Connection’s Web site at http://consumer.ic.gc.ca. This is an award-winning Web site developed by the Office of Consumer Affairs of Industry Canada. It provides rapid access to consumer information, powerful tools to cut research time, and many useful links to consumer and other organizations. Canadians can access Consumer Connection from home, the public library, community access points or from Government of Canada, provincial and territorial service outlets. For a variety of information on everything from bank fees, to privacy rights, to the latest scams or frauds, this is the place to go.

About The Author

News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Telev...

Read More

Frequently Asked Questions About Wills, Living Wil

Frequently Asked Questions About Wills, Living Wills and Powers of Attorney

by: Sheri R. Abrams, Attorney at Law

Frequently Asked Questions About Wills, Living Wills and Powers of Attorney
WHAT DOES A WILL DO?
The simplest way to ensure that your funds, property and personal effects will be distributed after your death according to your wishes is to prepare a will. A will is a legal document designating the transfer of your property and assets after you die. Usually, wills can be written by any person over the age of 18 who is mentally capable, commonly stated as “being of sound mind and body.”
WHO NEEDS A WILL?
Although wills are simple to create, about half of all Americans die without one (or Intestate). Without a will to indicate your wishes, the court steps in and distributes your property according to the laws of your state. Wills are not just for the rich; the amount of property you have is irrelevant. A will ensures that what assets you do have will be given to family members or other beneficiaries you designate. If you have no apparent heirs and die without a will, it’s even possible the state may claim your estate.
Having a will is especially important if you have young children because it gives you the opportunity to designate a guardian for them in the event of your death. Without a will, the court will appoint a guardian for your children who may be someone you do not even know.
WHAT ARE THE ELEMENTS OF A WILL?
What you generally need to make a will:
1) Your name and place of residence;
2) Names and addresses of spouse, children and other beneficiaries, such as charities or friends;
3) Alternate beneficiaries, in the event a beneficiary dies before you do;
4) Name and address of an Executor/ Executrix to manage your estate;
5) Name and address of an alter...

Read More

Identity Theft: Count the ways

Identity Theft: Count the ways

by: Daryl Campbell

I received an e-mail message from “Paypal” not to long ago. The e-mail stated that PayPal needed me to update and verify my security information for their database. I didn’t. One of the sentences in the e-mail read:
“Complete the necessary verification tasks within 5 days, or your account might get temporarily suspended.”
That didn’t sound like the PayPal I’ve been doing business with for several years. The grammar of “your account might get temporarily suspended” raised an alarm bell. Also the logo while quite professional looked odd.
But the obvious giveaway was knowing Paypal would never contact me at an e-mail address I never gave them. I could have become a victim of a technique called phishing. Just another form of Identity theft.
The effort criminals put into stealing your identity staggers the imagination.
With Phishing also called brand spoofing, criminals set up phony but legitimate looking websites then spam you with e-mail like the one described above in the hopes of catching a percentage of Internet users. No reputable business will ever ask ask for your personal information via e-mail.
Phishing just became a parent to a newborn child called “pharming”. Hackers plant phony information into DNS servers. This allows them to match domain names with the database of IP addresses maintained by various web hosting companies. In other words you type in a web address press enter and get rerouted to bogus websites where identity thieves are waiting to grab any of your information.
2003 saw identity thieves target Ebay account holders, this year it’s Paypal’s turn but any company with a database of information remains a target.
Choicepoint a veritable clearinghouse for the insurance industry finds themselves trying to ...

Read More