Personal Injury Lawyers Columbia, SC

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Personal Injury Lawyers in Columbia

Welcome to Best Flatt, P.A. accident attorneys in Columbia, South Carolina. The firm’s attorneys, W. Lamar Flatt and Laura E. Best, are personal injury lawyers who handle accident cases and injury claims on the behalf of plaintiffs. Cases can include, but are not limited to: automobile accidents, wrongful deaths, workers’ compensation claims and other situations involving personal injury. Our approach with each client is as follows:

If you have been injured in an automobile accident or any other incident caused by the negligence of another party, we strongly suggest that you get legal representation as quickly as possible.* We can’t promise you a specific result on your case. However, if you choose us for your case or claim, we do promise that your case will be worked on diligently, your phone calls will be promptly returned, and your questions answered, so that you will have the opportunity to be compensated for the damages you have suffered as the result of someone else’s negligence or unreasonable actions.

Best Flatt’s philosophy is that each of our clients deserves personal attention to his or her file. To that end, the responsible accident attorney will be actively involved and very familiar with your case. That way, the volume practice of law is avoided, and our primary source of new cases becomes the word of mouth from our satisfied clients.

Our law firm’s office is located in Columbia, South Carolina, and both personal injury attorneys are licensed in the states of South Carolina and Georgia to represent accident victims and their families. We also represent active and retired military who were injured in a nonmilitary incident. So no matter how severe your injury or damages appear to be at the time of an accident, always seek legal counsel. When you need help settling a claim or bringing a personal injury lawsuit, the attorneys at Best Flatt, P.A. are ready to assist you. To have all of your questions answered and determine “Do I Have a Case?”, call our accident attorneys today at 803-252-1800 or use this website’s convenient form for a prompt and private response.

*Timeline for Accident Claims: The amount of time that passes after the accident and before the claim can directly affect the outcome of the personal injury case. It’s advised that you talk to a qualified accident attorney as soon as possible after the incident. This is because it’s key to begin any investigation while the evidence is still fresh and available.

Workers’ Compensation Lawyers in Columbia, South Carolina

If you have been hurt on the job, it is important to seek a workers’ compensation lawyer who understands your benefits. Our attorneys can help you get the treatment that you deserve while helping you follow the necessary workers’ comp timelines and procedures. Many times, the system will bury you in paperwork while asking you to give up certain important rights. If you need help understanding your rights as an injured employee, call our law office and speak to one of our workers’ compensation attorneys today. Learn More

Speak With a Personal Injury Lawyer in Columbia

If you have been injured as a result of someone else’s negligence, the personal injury lawyers at Best Flatt, P.A. will fight for your rights and maximum compensation. Call us at 803-252-1800 today to speak with an attorney who will help you get the compensation you deserve.

The LEA Group – Personal, Commercial, Business, Franchise Insurance and Superannuation

#insurance, #superannuation, #personal, #business, #commercial, #franchise, #gold #coast, #morningside


The LEA Group are based in Bundall on the Gold Coast and Morningside in Brisbane, with authorised representatives in Brendale and Robina. From our early beginnings as Barry J Lea and Associates (established 1978), to renaming as LEA Insurance Brokers in 2005, we have been an integral part of the Queensland insurance industry with partners having held positions on state and national insurance bodies.

Like most brokers our focus is on commercial and business insurances, but we are also keen to be a part of the personal insurance market where our expertise can be of great benefit. Through our membership of the AUB Group, we have access to the highest quality insurance policies, developed especially for members and supported by the major insurers. Our emphasis is quality of advice and our staff are required to deliver client satisfaction, not only at premium time, but also at claim time where the advice is put to the test.

Contact our offices on the Gold Coast or Brisbane to find out about our commitment to our clients and ask for an obligation free assessment of your insurance needs.

LEA Insurance Brokers Pty Ltd subscribe to the Insurance Brokers Code of Practice .

General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include our FSG and Product Disclosure Statements (PDS) for some products.

National Insurance News

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Nearly half the faulty Infinity electrical cabling installed in homes and buildings across

S P Global is pessimistic about the Australian mortgage insurance industry s premium

The mastermind behind an elaborate scam to cheat the NSW compulsory third party scheme has been

New technologies such as cognitive and personality analysis can help insurers more accurately

About 95% of Victorian cyclists risk huge public liability payouts and other costs in the

Best Personal Trainer Software, 2017 Reviews of the Most Popular Systems, client management software for personal trainers.

#Client #management #software #for #personal #trainers


Personal Trainer Software

Client management software for personal trainers

by Acuity Scheduling

Its like a personal assistant for your schedule–only better. With Acuity Scheduling, booking appointments with your clients customers doesnt have to be a neverending time suck anymore. (Hallelujah!) Let your clients view your real-time availability, select the date and time that works best for them, pay in advance via Stripe, Paypal or, and even cancel or reschedule all on their own–without you having to drive yourself crazy. Learn more about Acuity Scheduling

Automate your client bookings, cancellations, reminders even payments using the worlds sleekest online scheduling software. Learn more about Acuity Scheduling

Client management software for personal trainers


by RhinoFit

Easy-to-use gym management software designed for gym owners and personal trainers. Learn more about RhinoFit

Easy-to-use gym management software designed for gym owners and personal trainers. Learn more about RhinoFit

Client management software for personal trainers


by ClubManager

ClubManager is the low-cost and award-winning membership management system used by clubs around the world to save time and money. Learn more about ClubManager

ClubManager is the low-cost and award-winning membership management system used by clubs around the world to save time and money. Learn more about ClubManager

Client management software for personal trainers


by Court Four

Mobile app for trainers and instructors. Scheduling, client tracking, progress monitoring, payment register. No subscription fee! Learn more about Bobclass

Mobile app for trainers and instructors. Scheduling, client tracking, progress monitoring, payment register. No subscription fee! Learn more about Bobclass

Client management software for personal trainers


by FitSW

FitSW personal training software helps trainers easily build workouts, plan diets, track client progress, manage schedules, and more. Learn more about FitSW

FitSW personal training software helps trainers easily build workouts, plan diets, track client progress, manage schedules, and more. Learn more about FitSW

Client management software for personal trainers

WorkoutLabs Train

by WorkoutLabs

A new beautifully simple personal training platform you and your clients will love. A better way to train 🙂 Learn more about WorkoutLabs Train

A new beautifully simple personal training platform you and your clients will love. A better way to train 🙂 Learn more about WorkoutLabs Train

Client management software for personal trainers


by Trillo

Simple class, customer, and attendance tracking for small fitness studios and independent instructors. Free two week trial. Learn more about Punchpass

Simple class, customer, and attendance tracking for small fitness studios and independent instructors. Free two week trial. Learn more about Punchpass

Client management software for personal trainers

Training Tilt

by Tilt Software

The complete coaching and business toolkit for endurance coaches and includes coaching tools, e-commerce and more. Learn more about Training Tilt

The complete coaching and business toolkit for endurance coaches and includes coaching tools, e-commerce and more. Learn more about Training Tilt

Client management software for personal trainers


A personal trainer tool for managing your clients and workouts. App for iOS and Android with an online workout editor. Learn more about

A personal trainer tool for managing your clients and workouts. App for iOS and Android with an online workout editor. Learn more about

Client management software for personal trainers


by GoMotive

Gives health and fitness services the power to virtualize their services using their own proprietary content. Learn more about GoMotive

Gives health and fitness services the power to virtualize their services using their own proprietary content. Learn more about GoMotive

Client management software for personal trainers


by Amidship

Amidship is the all-in-one management and appointment scheduling software for your small business. Learn more about Amidship

Amidship is the all-in-one management and appointment scheduling software for your small business. Learn more about Amidship

Client management software for personal trainers


by Artichoke

Tools to power your business of one at home and on-the-go. Online scheduling, payment processing, client management more. Learn more about Artichoke

Tools to power your business of one at home and on-the-go. Online scheduling, payment processing, client management more. Learn more about Artichoke

Client management software for personal trainers

Fit Ferret

by Fit Ferret

Personal trainer software to build visual workouts online, manage and communicate with clients and ensure progress. Learn more about Fit Ferret

Personal trainer software to build visual workouts online, manage and communicate with clients and ensure progress. Learn more about Fit Ferret

Client management software for personal trainers

Term Life Insurance Quotes and Insurance Resources, QuickQuote, life insurance quotes without personal information.

#Life #insurance #quotes #without #personal #information

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QuickQuote – Term Life Insurance

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Why Choose QuickQuote for Term Life Insurance?

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Find out how much term life insurance you need with our instant calculator, or speak with us by phone.

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Provide some very basic info and get instant term life quotes. No phone calls. No hassles. No charge.

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Our Term Life Insurance Companies

  • Life insurance quotes without personal information
  • Life insurance quotes without personal information
  • Life insurance quotes without personal information
  • Life insurance quotes without personal information

Answers to Your Term Life Insurance Questions

What is term life insurance?

Term life insurance is the most basic and least expensive form of life insurance you can buy. There are no investment accounts, cash values or policy loan features on term life. Just pure and simple life insurance protection.

You can choose a term length of 10 to 35 years, and a coverage amount of $25,000 to $25M or more.

How much does term life insurance cost?

Term life insurance is inexpensive relative to other types of life insurance such as whole life or universal life. Your cost will depend on factors like age, gender, medical history, current health, tobacco use, driving record, and more.

The life insurance company will assign a rating class to your policy during the underwriting process. This class will determine how much you will pay.

How do I buy term life insurance?

You can buy term life insurance from an independent agent or broker (like us), from a captive agent (think Allstate or Farmer’s), or directly from a life insurance company, although very few sell directly to consumers.

The important thing to keep in mind is the cost is the same to you regardless of who you buy the policy from. Rates are set by the life insurance companies and approved by state insurance departments. Agents and brokers cannot adjust these rates up or down. However, they can help you find the lowest rate based on your unique circumstances.

How do I apply for term life insurance?

The term life application process is simple. We’ll do most of the heavy lifting for you.

    1. Select a company – Pick your favorite and click “Apply.”
    2. Schedule your application call – We’ll give you the calendar, you pick the day and time to complete your application with us by phone.
    3. Complete your paramed exam – We’ll schedule this during your call. All you have to do is meet with the examiner.
    4. Sit back and relax – We’ll work with the company to get your application approved. We may ask you for information from time to time, as needed.
    5. Return your policy documents and the first payment – We’ll mail your new policy to you. You’ll send us back any signatures needed and the first payment.
    That’s it! It really is that simple.

Compare Quotes Online Life Insurance, Income Protection Australia, Insurance Watch Australia, personal income insurance.

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Income Protection insurance

Life insurance TPD

Personal income insurance


Life Insurance Quotes (including TPD)

Trauma Insurance Quotes

Income Protection Insurance Quotes

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Our online life insurance calculator

estimates how much you may need of:

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Unsure what insurance is right for you? Our advisers can recommend the best

Life/TPD/Trauma insurance and Income Protection policies for your needs

Personal income insurance

Personal income insurance

Monthly Premiums for $500,000 life cover for a 40 year male non-smoker as at 4th January 2018 (excludes membership or other discounts and before the Insurance Watch 20% Reward*)

Many of the insurance companies we feature will allow your Life/TPD and

Income Protection premiums to be paid out of your existing superannuation fund.

Some insurers will even give you a 15% discount if you pay in this way. Interested?

Tax deductions can be handy at tax time.

Did you know that income protection

premiums are fully tax deductible.

This means when considering the cost

of income protection you should

look at the after tax cost.

Personal income insurance

Personal income insurance

Personal income insurance

Personal income insurance

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“I don’t know how I can thank you for all your support and guidance through the whole claims process. One thing I will be doing is telling all my family and friends if they need life/Trauma insurance is to go through you and Insurance Watch. Insurance Watch is a credit to the insurance industry.”

“I have been meaning for the past month to email and thank you for all your help at such short notice at the end of February. Everything is now in place with my life insurance and I feel so much better!! I hope you don’t mind, but I have passed your details on to a friend of mine.”

“Thank you for coming back to me so swiftly. It has been a pleasure dealing with you and an exceptionally efficient process & I will definitely go first to Insurance Watch for any future needs. (Feel free to quote me on that!)”

Personal Auto Transport #auto #computer

#auto transporters

Personal Auto Transport

Each year, millions of vehicles are transported to meet personal needs, such as:

  • Families moving cross-country
  • Students going to college a long distance from home
  • Snowbirds moving to the Sun Belt for the winter
  • Corporate relocation

Some of these situations are one-time needs and the car owner will hire an auto-transport company. Phone directories and the Internet are filled with advertisements promoting a variety of transport companies and transport brokers. Consumers need to be aware of the difference. A company handles the actual pickup and delivery of the vehicle. A broker does the legwork and sells the job to one or more transport carriers.

There are pros and cons to working with both. Transport companies have more control over delivery time and assume more responsibility in the event of damage or an accident. On the other hand, brokers have access to more options for a quicker delivery. Consumers should double-check all references to help avoid fraud or an unpleasant experience.

Transport companies are quick to stress that they can transport only the customer’s vehicle. Customers are not allowed to pack their cars with clothes, small appliances or even spare parts. The fuel tank cannot be completely full, and owners are usually required to be present when the vehicle is picked up or delivered to complete the inspection.

Some car owners have frequent transport needs, so they purchase their own trailer and tow vehicle. These include car collectors or enthusiasts who display their pristine vehicles at car shows or weekend racers who compete at area tracks. Single-car trailers come in many styles and sizes to hold the vehicle, spare parts and tools. The key for a safe transport is matching the trailer weight with the towing capacity of the tow vehicle.

There is one other method of getting a vehicle from one location to another: drive it! Dedicated driveaway agencies provide drivers to customers who don’t want to drive themselves or don’t have the time or budget to have their vehicle transported. The reputable agencies will screen potential drivers and match them accordingly to the customer’s schedule and destination. The drivers are not paid and often must pay for their own gas. But they do get the free use of a car for their travels across the country.

Can a ship carrying thousands of vehicles end up on the ocean floor? We’ll look at safety and security next.

Brock’s Brick House

Personal car trailers usually have the aerodynamic efficiency of a brick. Famed auto designer and racer Pete Brock (he designed the Shelby Daytona coupe) recently developed Orca, a very sleek, lightweight trailer with superior aerodynamic qualities. The front, sides and even bottom are all designed with racecar fundamentals to reduce drag when towing. The all-aluminum trailer gets its name from the dorsal fin that runs the length of the trailer, a design cue Brock picked up from the classic Bugatti Atlantique [source: Brock Racing Enterprise ].

Personal banking #auto #zone #coupons

#auto finance

HSBC Premier

Looking for personal financial support? An HSBC Premier Relationship Manager can help you reach your financial goals.

Now you can pay with your HSBC Credit and Debit Card using Apple Pay TM

Apple Pay is the easy, secure, and private way to pay with a simple touch.

Asia Pacific

Concierge Services

As a valued Premier customer, we recognize that your time is valuable and you need easy access to services that can help simplify your busy life. With Premier World MasterCard Concierge Services 1. let us make your dinner reservations, purchase tickets to events, coordinate business arrangements worldwide, locate hard-to-find items, buy and deliver gifts and much more. For convenience, the cost of goods or services can be billed to your Premier World MasterCard . To learn more, speak to an HSBC Premier Concierge representative any time, any day, by calling 888.314.5132.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

Personal Loans For People With Bad Credit – ® #used #car #for #sale

#auto loans for people with bad credit

Bad Credit Personal Loans

Bad credit can happen to good people, and sometimes there is absolutely nothing that you can do about it. There are a lot of people that let the words “Bad Credit” get them down. Don t be one of these people. They are just words and everyone deserves a second chance to rebuild their financial future.

If you have bad credit, it may not even be your fault. There are countless ways that other people can ruin your credit for you. It is sad, but true. The only thing that you can do is try to repair your credit, and that is where comes in. We know and understand that bad credit can happen to good people, and that is just one of the many reasons that we are here to help people just like you.

There are several lenders out there who specialize in offering loans to help people with bad credit. The problem is that most people with bad credit don t know how to find these loans so they just give up and end up living the rest of their lives with bad credit. This is yet another reason that is here to help. No one should have to live their lives with bad credit. Credit can be repaired, and the only way to repair credit is by establishing new credit.

How can help people with bad credit?

Finding lenders that will actually provide loans to people with bad credit is a difficult task. It can take days or weeks to locate them. has done extensive research, and found all of the lenders that specialize in helping people with bad credit by offering what they are calling, “Bad Credit Personal Loans.” There is a solution to every problem. You just need to know where to look. We have made it easy for you to secure a bad credit personal loan with almost no effort on your part.

Part of the problem that comes with bad credit is dealing with rejection. There is only so much rejection that a person can take. It can be frustrating and embarrassing sitting face to face with a loan officer and telling them all of your personal financial details. It gets even worse when they tell you that you have been declined. With our services none of this ever happens.

All you need to do is fill out one simple, secure application. We will compare your application against our large database of lenders that specialize in bad credit personal loans. You will not have to look anyone in the face. There is no complicated paper work to fill out, and you will not have to fax a bunch of information. Within a few short minutes, you could secure the personal loan that you need to help you rebuild your financial future. Bad credit is not the end of the world, but it will not fix itself. You are going to have to do something about it, and establishing new loans is one of the easiest ways to repair your credit.

Personal Loans – Unsecured Personal Loan – Bad Credit OK #auto #decals

#bad credit auto loans

Personal Loans

Applying for a personal loan online can be a fast and easy process. You may be approved in less than 24 hours! If you are, then the funds will likely be available in a few days.

You should also be aware that there are some fraudsters out there who prey on people that need money quickly. Be sure to apply through a safe and secure website, like this one. Write down the lending company’s name (one of’s trusted business partners): you will apply directly with them.

Here are some additional ways to protect yourself:

  • Know where your credit stands. For instance, read our blog post on why you should check your credit before applying for a personal loan .
  • Be aware that fraudsters typically pose as legitimate companies, claiming to be lenders. Make sure you are dealing with the right person. In particular:
    • When you receive a confirmation email from your loan provider, make sure it comes from the trusted domain of that company, and not from a generic email address (Gmail, Hotmail, Yahoo! etc.)
    • Look for a padlock in the browser bar on any page where you are asked to provide personal information. This means your information will be sent securely to the lender.
    • Never override your browser’s warning if it says a site’s security certificate has expired or the site you are about to visit is not secure.

Be aware that fraudsters will try to get you to send them money before you get the loan. Be very careful with upfront fees. Do not send a company money to cover “credit insurance” or the first payment of the loan. STOP if you are told to send funds via a prepaid card, gift card or a money transfer (such as Western Union or MoneyGram). Legitimate lenders do not operate that way.

* IMPORTANT NOTE FROM CREDIT.COM: is not a lender. The above offers are provided by third-party lenders from whom receives compensation. will not call you about any loan application resulting from the above offers, and will not ask you over the phone, via email or otherwise for financial information or other sensitive personal data.

Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). It is this compensation that enables to provide you with services like free access to your credit scores at no charge. strives to provide a wide array of offers for our members, but our offers do not represent all financial services companies or products.

How to Lease a Car and Get the Best Deal – Personal Finance. #auto #warranties

#best auto lease deals

How to Lease a Car and Get the Best Deal


  • Over time, the cost of leasing several cars will likely exceed the purchase price of a new or used car.
  • Don’t tell a car dealer you plan to lease until after you’ve negotiated the car’s purchase price.
  • Beware salespeople who focus only on your monthly payment will be. Stay aware of the total price you’ll pay, including down payment and monthly bills.
  • Related How-Tos


    A car lease lets you drive a new vehicle without paying a large sum of cash or taking out a loan.

    To lease a car, you simply make a small down payment less than the typical 20% of a car s value you d pay to buy followed by monthly payments for the term of the lease. When the term expires, you return the car.

    Leasing a car has some drawbacks, however. Among them:

    • You don’t own the car when your lease expires. You essentially rent, not buy, the car. So you don’t have equity in the car to use toward the purchase of another vehicle.

    • Over time, say 10 years, the cost of leasing several cars will likely exceed the purchase price of a new or used car.

    • Lease terms can carry steep penalties. You may have to pay penalties if:

    -You exceed the number of miles in your lease contract.

    – You fail to keep the interior and exterior of the car in good condition.

    – You drive the car hard and inflict significant wear and tear on the car’s performance and appearance.

    – You want to return the car before your contract expires.

    Does a lease make sense for you?

    Leasing is more beneficial than buying when you:

    • Don’t have the cash to buy the car.

    • Want to drive a vehicle that’s out of your purchase price range.

    • Won’t likely exceed the mileage cap in a contract—usually between 10,000 and 15,000 miles per year.

    • Can take good care of the car’s exterior and interior, paying particular attention to avoid nicks, spills and other cosmetic damage.

    • Expect to lease another car when your vehicle’s current contract expires.

    Exceeding the mileage limits on your lease can cost you 10 to 15 cents per mile. The dealer will inspect your car just before the lease expires, and you ll also be charged for excessive wear and tear.

    How to Lease

    Leasing a car is less complicated than buying one. But to get the best deal on the car you want, you must still follow these steps:

    • Step 1. Choose a type — What kind of car do you want? Better yet, what car do you need? A convertible? A sedan? An SUV?

    • Step 2. Pick your models — Make a list of car types in your price range. You can reduce non-lease costs by including models with favorable gas mileage, high dependability, top safety features and low insurance premiums (ask your auto insurance agent for a list of vehicles that fit the bill).

    • Step 3. Take a test drive — Once you’ve narrowed your list to a few models, take each car for a test drive. Pay particular attention to comfort, visibility, braking, steering, internal noise and shock-absorption. At this stage, don’t yet mention you intend to lease (more on this in Step 6).

    • Step 4. Ask about safety — During your test drive, ask the salesperson whether the vehicle comes with anti-lock brake systems (ABS), electronic stability control (ESC) and head-protecting side air bags. All are valuable safety features.

    • Step 5. Compare lease deals — When you return home from the dealer, calculate the lease deals on offer and figure out how much you can afford to pay monthly.

    • Step 6. Talk price first — Once you’re ready to return to a dealership to strike a deal, don’t tell the dealer you plan to lease until after you’ve negotiated a purchase price. Most people who lease are unaware that their monthly payments will be based on the final agreed-upon price.

    • Step 7. Negotiate up — Negotiate the final price of the vehicle up from the rock-bottom cost to the dealership. You can find out what new cars cost a dealer for $14 per vehicle at Consumer Reports. Your monthly payments will be based on the price you and the salesperson settle on. That price will fall somewhere between the dealer’s wholesale price and the manufacturer s suggested retail price.

    • Step 8. Beware of gab — Your salesperson may try to push you toward closing the deal by focusing on the relatively low amount you’ll have to pay each month. This, however, will add to the total amount you ll pay.

    • Step 9. Paying the Lease — The larger your initial down payment, the lower your monthly tab will be. As with any bill, you ll face penalties if you fail to make payments on time. Turning in your leased car early, before the loan term ends will typically result in a penalty—unless you are trading in the car for another leased or purchased car.

    Related WSJ Articles and Blog Posts:

Allegacy Federal Credit Union – Personal – Loans – Auto Loans #auto #loan #refinance #rates

#auto refinance calculator

Allegacy strives to make all aspects of car ownership more affordable and less frustrating by offering a variety of automotive services that are designed to help you save time and money – whether you’re shopping for your first or next set of wheels. For drivers who love their current car but hate their monthly payment, Allegacy offers auto refinancing. With smarter ways to find, fund and insure your car, Allegacy helps put you further down the road toward financial freedom.

Get low rates, low monthly payments and up to 100% financing.

  • Loan approval good for 60 days.
  • Maximum loan amount cannot exceed MSRP + 10%.
  • New Vehicles are classified as previous year, current year or future year with less than 5,000 miles.
  • Proof of Insurance and additional paperwork from dealer required.
  • Interest Rate subject to determination of applicant(s) creditworthiness.
  • Loan approval good for 60 days.
  • Maximum loan amount cannot exceed 90% list on Chassis and 50% of conversion price.
  • New Vehicles are classified as previous year, current year or future year with less than 5,000 miles.
  • Proof of Insurance and additional paperwork from dealer required.
  • Additional paperwork might be required to be signed.
  • Interest Rate subject to determination of applicant(s) creditworthiness.
  • Loan approval good for 60 days.
  • Maximum loan amount cannot exceed retail value established in Southeastern edition of NADA guide.
  • Maximum age of vehicle: 7 years old.
  • Maximum mileage cannot exceed 100,000 miles.
  • Proof of Insurance and additional paperwork required.
  • Interest Rate subject to determination of applicant(s) creditworthiness.
  • Loan approval good for 60 days.
  • Maximum loan amount cannot exceed NADA plus 10% chassies.
  • Maximum mileage cannot exceed 100,000 miles.
  • Proof of Insurance and additional paperwork from dealer required.
  • Additional paperwork might be required to be signed.
  • Interest Rate subject to determination of applicant(s) creditworthiness.

Personal banking #auto #batteries

#auto finance

HSBC Premier

Looking for personal financial support? An HSBC Premier Relationship Manager can help you reach your financial goals.

Now you can pay with your HSBC Credit and Debit Card using Apple Pay TM

Apple Pay is the easy, secure, and private way to pay with a simple touch.

Asia Pacific

Concierge Services

As a valued Premier customer, we recognize that your time is valuable and you need easy access to services that can help simplify your busy life. With Premier World MasterCard Concierge Services 1. let us make your dinner reservations, purchase tickets to events, coordinate business arrangements worldwide, locate hard-to-find items, buy and deliver gifts and much more. For convenience, the cost of goods or services can be billed to your Premier World MasterCard . To learn more, speak to an HSBC Premier Concierge representative any time, any day, by calling 888.314.5132.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

Personal Loans #affordable #auto #insurance

#bad credit auto loans

What is a Personal Loan?

A personal loan is an amount of money that an individual borrows to fund personal expenses.

Many people use these funds to buy homes, finance cars or just pay bills. There are various criteria for borrowers to qualify, including credit scores and whether they put up any collateral.

Lenders use risk-based pricing for the interest rates they charge: risky lending (like credit cards) may have an interest rate of almost 30% while less-risky ones like mortgages can be as low as 5%.

Payback terms may be as short as a matter of months while others can last 10 years.

A Short History

People have been lending each other money for thousands of years. There’s a lot of literature — including historical, religious, and economic sources — that documents the role of borrowing and lending throughout history.

Here are just a few historical examples:

Ancient Middle East: Money in the form of food like olives, dates, and animals was lent out as early as 5000 BCE and ancient societies like the Mesopotamians, Hittites, Phoenicians, and Egyptians all have written accounts. Interest was generally fixed by the State.

The Bible: The Hebrew Bible regulates interest taking and defines parameters of “ethical lending” (Deuteronomy 23:19, 20)

Athens: Moneylenders funded maritime grain shipments in Ancient Greece through written agreements that used the ships and cargo as collateral.

Different Types of Personal Loans

Secured: A loan is secured when the borrower pledges some asset (e.g. a home or car) to the lender. The lender (usually a bank) uses this asset as collateral to help ensure repayment.

Mortgages: These are used to finance the purchase of a home or apartment. If a borrower defaults on his mortgage payments, the lender can take ownership of the property.

Car: When a borrower takes out a car loan, she pledges the car as collateral backing the amount borrowed.

Home equity lines of credit (HELOCs): In addition to a primary mortgage, people can borrow off the equity in their homes. Instead of receiving a lump sum payment, like people do when they take out a mortgage, these (also known as a HELOC) are actually a line of credit that can be drawn from as needed.

Unsecured: Unsecured loans don’t use collateral. Instead, they rely upon the quality of credit of the borrower. Without any pledged assets backing them up, lenders see these as riskier and typically charge higher interest rates than secured.

Installment: Like the loans offered at, unsecured installment loans don’t require collateral and have a set, periodic repayment schedule. The term may be as short as just a few months or as long as 10 years.

Student: There are a lot of private and public programs that encourage college education. Specialized lenders offer them to students — many with very long repayment terms — to pay for school.

Credit card debt: Credit cards are issued with a line of credit that credit card holders can pay down every month. Credit cards are one of the easiest but most expensive ways to borrow money — with interest rates as high as 25.99%.

Bank overdrafts: Some bank savings and checking accounts come with overdraft agreements. If you spend more than what’s available for withdraw from your account, the bank will lend you the difference, generally at a high interest rate and for a fee (according to CNN Money. the average overdraft fee in 2015 was $35).

How Big is the Debt Market?

If you are like the average American, you’re probably in debt. Between financing a college education, buying a house, and paying general living expenses, many people find themselves saddled with numerous debts .

The Average Debt of an American

Here’s the debt profile of the average American:

  • Average credit card debt: $15,422
  • Average mortgage debt: $149,782
  • Average student loan debt: $34,703

America in Debt

When you look at these numbers across the U.S. the overall size of the country’s debt is pretty staggering. In the U.S. there’s actually $11.31 trillion in debt. If you break it down, that comes out to:

  • $8.03 trillion in mortgages
  • $956 billion in student loans
  • $858 billion in credit card debt

States With The Most Debt Per Capita

State debt totaled more than $4 trillion during 2011. Connecticut led all states with the most debt per capita — its $99+ billion in debt works out to be something like $5,402 per person. The state with the lowest debt? Nebraska leads the nation in financial responsibility. It has $21 in debt for each of its residents.

Reasons to Borrow

There are lots of reasons to use a consumer loan like those found through CreditLoan — even if you have bad credit. Here are just a few reasons to apply:

Bad credit score: It’s not always possible to qualify for other types of financing. You can borrow with a poor credit score.

No need to put up collateral: Unsecured loans don’t require collateral, so you don’t need to pledge your car or house to borrow money.

Easy, quick way to consolidate credit debt: Instead of paying astronomical interest rates on your credit card debt, people use these to pay off expensive debt and replace it with less-expensive debt.

Cover medical expenses: Borrowing is a quick way to fund unexpected medical expenses.

Paying tuition: Many people use these to fund part of their education.

Starting a small business: Borrowing can be an effective source of capital to fund small businesses.

What People are Actually Doing

Personal Loans – Wells Fargo #am #auto #parts

#auto loan with bad credit

Take control of your financial future with a Wells Fargo Personal Loan

Ready to apply?

Apply today or contact a Wells Fargo Loan Specialist at 1-888-667-5250

Whether you want to consolidate high-interest rate balances, fund a special purchase, or cover a major expense, a Wells Fargo Personal Loan is a great financing option.

Benefits of a Personal Loan

A personal loan makes it easy for you to put your financial plan into action. Benefits of a personal loan include:

  • Fixed rate, fixed term, and fixed monthly payments
  • No origination or prepayment fees
  • Relationship discounts may be available for customers with qualifying Wells Fargo consumer checking accounts
  • Competitive Annual Percentage Rate (APR) for the life of the loan
  • No collateral required to qualify
  • Loan amounts from $3,000 to $100,000
  • Credit decision in as little as 15 minutes and often same-day access to funds

Benefits of a Time Account (CD)/Savings Secured  Loan

If you have a Wells Fargo Time Account (CD) or Savings Account, you can use it as collateral for a personal loan to get a lower annual percentage rate (compared to an unsecured loan) without touching your savings. Please note the amount in your collateral account equal to the full amount of the loan will not be available for use until the Time Account (CD)/Savings Secured Loan is paid in full.

Why get a Wells Fargo Time Account (CD)/Savings Secured Loan?

  • Immediate funding. You may access your funds the next business day after credit approval.
  • Preserve savings. You can continue earning interest on your savings and avoid early withdrawal penalties on time accounts (CDs).
  • Lower interest rate. You get a lower annual percentage rate by providing approved collateral (such as a Wells Fargo CD) to secure your loan.
  • Fixed term and rate. You know exactly how much you’ll pay each month, making it easy to budget.
  • Loan amounts from $3,000 to $250,000
  • $75 origination fee

Debt Pay Down Solution ®

M&T Bank: Personal Loans #auto #mechanic #jobs

#auto loans online

Loans from M T Bank

Thinking about a new car, boat, RV, or extra cash? An M T personal loan can handle whatever you need.

Determine your required loan amount, then apply online for one of our unsecured personal loans or secured personal loans and take advantage of our fast application process. Once approved, you can have the cash you need in as little as 24 hours!

Still shopping? Our personal loans give you up to 30 days to find the car, boat or RV of your dreams, so you can take your time. Compare our unsecured personal loans and secured personal loans to find the lending solution that is right for you.

Major Purchase Loan 1 – If you’re looking to buy a boat, RV 2. motorcycle, snowmobile, Jetski or ATV, learn about M T Bank’s major purchase loan  

1 All loans and lines of credit are subject to credit approval. Additional terms and conditions may apply, depending on the type of collateral and  other terms offered or chosen.

2 Recreational Vehicle include motor homes, truck campers, travel trailers, camping trailers

Allegacy Federal Credit Union – Personal – Loans – Auto Loans #auto #diagnostic

#auto refinance calculator

Allegacy strives to make all aspects of car ownership more affordable and less frustrating by offering a variety of automotive services that are designed to help you save time and money – whether you’re shopping for your first or next set of wheels. For drivers who love their current car but hate their monthly payment, Allegacy offers auto refinancing. With smarter ways to find, fund and insure your car, Allegacy helps put you further down the road toward financial freedom.

Get low rates, low monthly payments and up to 100% financing.

  • Loan approval good for 60 days.
  • Maximum loan amount cannot exceed MSRP + 10%.
  • New Vehicles are classified as previous year, current year or future year with less than 5,000 miles.
  • Proof of Insurance and additional paperwork from dealer required.
  • Interest Rate subject to determination of applicant(s) creditworthiness.
  • Loan approval good for 60 days.
  • Maximum loan amount cannot exceed 90% list on Chassis and 50% of conversion price.
  • New Vehicles are classified as previous year, current year or future year with less than 5,000 miles.
  • Proof of Insurance and additional paperwork from dealer required.
  • Additional paperwork might be required to be signed.
  • Interest Rate subject to determination of applicant(s) creditworthiness.
  • Loan approval good for 60 days.
  • Maximum loan amount cannot exceed retail value established in Southeastern edition of NADA guide.
  • Maximum age of vehicle: 7 years old.
  • Maximum mileage cannot exceed 100,000 miles.
  • Proof of Insurance and additional paperwork required.
  • Interest Rate subject to determination of applicant(s) creditworthiness.
  • Loan approval good for 60 days.
  • Maximum loan amount cannot exceed NADA plus 10% chassies.
  • Maximum mileage cannot exceed 100,000 miles.
  • Proof of Insurance and additional paperwork from dealer required.
  • Additional paperwork might be required to be signed.
  • Interest Rate subject to determination of applicant(s) creditworthiness.

NJ Department of Health, personal health records.#Personal #health #records


personal health records

Staff from DOH & the Division of Mental Health and Addiction Services will host public town hall forums in each county about the reorganization.

Mental Health/Addiction Forums

Staff from DOH & the Division of Mental Health and Addiction Services will host public town hall forums in each county about the reorganization.

Mushroom Poisonings Spike

Personal health records

Many edible mushrooms have toxic “look-a-likes.” Never eat wild mushrooms whether growing in your garden, on your lawn or in the wild!

Prevent Lyme Disease

Reducing exposure to ticks is the best defense against Lyme disease, Rocky Mountain spotted fever and other tickborne infections. Take steps to prevent Lyme disease.

National Accreditation

Personal health records

We received national accreditation from the Public Health Accreditation Board (PHAB) for achieving high standards for public health services, leadership and accountability.

Population Health Heroes Honored

Seven Population Health Hero winners were presented awards at our Population Health Summit on June 7 at Rider University.

#ZapZika Campaign

Personal health records

An award-winning public awareness campaign is underway to educate pregnant women and those considering travel about Zika virus risks.

Social Media

Press Releases

Personal health records

Get the latest news from the Department of Health. Subscribe DOH News Information Service.


Personal health records

Read the latest edition of “Health Matters,” the Department’s newsletter.

Personal health records

In the Spotlight

Hurricane Harvey: How We Can Help

Personal health records

NJ stands ready to assist Harvey victims in need by offering resources & raising awareness of how to help.

Preparedness Month

Personal health records

Hurricane Harvey affected many lives & caused severe damage. Hurricane Irma is expected to affect areas of the U.S. and U.S. territories. Stay safe before, during and after an emergency!

NJ Cancer Incidence and Mortality Report

Personal health records

NJ Cancer Registry report shows a slight decline in invasive cancer diagnoses.

Get #TeSTD

1 in 2 sexually active people will acquire an STD by age 25. Don’t wait. Get #TeSTD. Download our posters in English and Spanish.


Check out this video produced by the Southern New Jersey Perinatal Cooperative about our #kNOwLEAD education campaign.

Autism Resources for Families

Personal health records

Early Intervention Services are among the many resources New Jersey offers people with autism and their families.


Personal health records

Youth are vulnerable to e-cigarette advertisements.

Healthy NJ 2020

Personal health records

Healthy New Jersey 2020 is the state’s health improvement plan for the decade. It is modeled after the federal Healthy People 2020 initiative and is the result of a multiyear process that reflects input from a diverse group of individuals and organizations.

Personal health records

What’s New

Personal health records

Personal Injury #los #angeles #personal #injury


Los Angeles Personal Injury Lawyer

Call (888) 389-0165 for a Free Consultation

When another person or a company has acted negligently, creating unsafe conditions or even causing an accident, you have legal recourse. At the Law Office of John J. Perlstein, we are ready to fight for full damages to compensate you for medical expenses, income losses, pain and suffering, and more. When you are up against a well-financed insurance company and their legal team, we can give you a competitive edge. Our personal injury lawyer knows how to win at trial, and this reputation could even motivate insurers to agree to a full settlement before your case ever goes to court. Armed with decades of experience and insight, we can aggressively pursue the financial recovery you deserve.

Why Choose Our Los Angeles Personal Injury Lawyer?

Offer 25 years of proven legal experience

Unparalleled trial-tested experience

Garnered strong endorsements from our peers

We work on a no recovery, no fee basis

Find out how much your case could be worth: Email us or call (888) 389-0165 for a FREE case review!

Injury Accident Claims That We Handle

We provide the unparalleled insights and tenacity you need on your side. Our personal injury attorney has taken more cases to trial than any of his peers no small feat. We are truly prepared for whatever turns your case takes, prepared to win both inside and outside a courtroom. When financial hardships have been forced on you by another s negligence, we won t add any monetary pressure. We only get paid if we win your case, and only then from the amount that insurance doles out. If you hire our personal injury trial firm, it will cost you nothing upfront, and you will never pay us out of pocket. Don t hesitate to find out how our trial-tested lawyer can put 25 years of experience to work for you.

Our Los Angeles injury lawyer takes on cases that include and aren t limited to:

Call (888) 389-0165 or send us an email to request your FREE consultation!

Car Accidents

Pursue Maximum Compensation

After a negligent driver or car maker has left you with costly injuries, vehicle damage, and income loss, we can assert your full legal rights.

Law Office of John J. Perlstein – Los Angeles Personal Injury Lawyer
5900 Wilshire Boulevard, 26th Floor,
Los Angeles. CA 90036 View Map
Call Today (888) 389-0165
Local (213) 252-1070

All Rights Reserved.

Los Angeles Personal Injury Lawyer

The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.

Affordable Divorce, DUI, Criminal, Personal Injury Lawyers #tampa #divorce, #tampa #dui, #tampa #personal #injury, #tampa #criminal #defense, #tampa #family #law, #tampa #lawyer, #tampa #attorney,


Affordable Divorce, DUI, Criminal, Personal Injury Lawyer

Affordable Legal Fees is a Tampa Law Firm offering what most people refer to as affordable, cheap or low cost attorney and legal help in Tampa, Saint Petersburg, Orlando, Miami, Clearwater and many other cities within Florida. If you need legal help and are looking for an experienced affordable attorney with low cost legal fees you have come to the right website.

Our affordable lawyers can provide help for a variety of different legal issues ranging from Divorce, DUI, Personal Injury and Criminal Defense.

Our affordable law firm is headed by a senior attorney Attorney Richard McCluskey who began his legal career at the Hillsborough County Public Defender’s Office where he handled thousands of cases from simple misdemeanors to severe felonies that are considered punishable by life.

Affordable Tampa, Saint Petersburg, Orlando, Miami and Clearwater lawyers

Affordable Tampa, Saint Petersburg, Orlando, Miami and Clearwater lawyers normally charge higher legal fees in their law firms and private practices. Our caring attorneys enjoy giving back to the community by offering experienced legal representation to the public for less and reducing their legal fees up to 50% in some cases.

Reduced Legal Fees to help the public

We provide professional and affordable legal services while reducing our attorney fees for divorce (simple divorce, uncontested divorce, contested divorce), family law (alimony, support modification, violence injunctions, child time sharing), DUI, criminal defense (misdemeanor and felony), personal injury including auto and motorcycle accidents in Florida.

Our lawyer fees start from and exclude costs.

The best lawyer fees that we can offer in Tampa, Saint Petersburg, Orlando and Clearwater are posted on our website. Legal fees exclude costs (one example of cost is filing fees when applicable).

Free and fast consultations work best when you fill out our easy contact form!

Affordable Legal Fees does not collect information for any purpose other than to provide the attorney with your contact information. By entering your information in our contact form, you are giving our professional attorneys permission to contact you. Injury related persons may be informed of pre-settlement loan programs available.

Affordable Legal Fees provides affordable legal help in the following areas of law.

Auto Accidents occur every day in Florida, Affordable Legal Fees can help if you or loved one have been injured or killed in a car accident. Our affordable Tampa car accident attorneys can help make sure you receive the compensation you deserve, whether you are at fault or if the accident was the fault of another person.

Difficult times and expensive legal fees prevent families from protecting their personal legal rights. Affordable Legal Fees can handle any family law legal matter. Let our experience and knowledge work for you. Our attorneys provide affordable family law, if you need a Family Law Attorney contact us today for a free consultation.

Going through a Divorce can be one of the most stressful times a person can face in their life. Affordable legal fees can provide the legal help you need to get you through this trying time. Our Tampa and Orlando attorneys understand the law and legal system. We will make sure you get the best legal representation at the most affordable price.

Facing a criminal offense in Tampa Florida can be serious, we understand that even minor infractions can have harsh consequences and heavy fines to pay. We specialize in DUI, traffic violations, theft and serious crimes such as murder. In the likely event you need a defense lawyer our Tampa criminal defense attorneys can build a strong defense on your behalf. Time is essential, this give our defense team more time to prepare your case. Don’t leave your fate in the hands of an inexperienced attorney or public defender. We offer affordable criminal defense in Tampa and Orlando Florida, don’t hesitate contact us today.

Unfortunately Motorcycle Accidents and fatalities happen all too often in Tampa Florida. Many times accidents are caused by careless drivers not paying attention or simply caused by people disregarding traffic laws. Motorcycle accidents usually result in death or serious debilitating injuries. Affordable legal fees has the knowledge and experience to represent your personal injury case. Our affordable personal injury attorneys in Tampa are here to help you get you the most out of your settlement and the compensation you deserve.

If you need low cost, cheap or affordable legal help in Tampa Florida you want Affordable Legal Fees Law Firm.

Free Consultations available for Tampa, Saint Petersburg, Orlando, Miami, Clearwater and Brandon.

Our main offices locations are located in Tampa and Brandon Florida.

Payday Loans up to $1, 000 Personal Loans up to $3, 000 #payday #loans, #cash #advance, #short #term #loans, #personal #loans, #emergency #loans, #installment #loans, #online #personal #loans,


Simple Online Form Fast Access to Funds

1041 4th Avenue, Suite 302, Oakland, CA 94606
USA Owned Operated

Representative APR Range is not a lender and does not provide short term or online personal loans but refers consumers to the lenders who may provide such loans. is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process.

The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. See a Representative Example

Borrow $200 for 14 days with a $30 to $60 lender fee. Your estimated APR is 391% to 782%
Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
Low End of Range: ($30 / $200) * (365 days / 14 days) x 100 = 391.07%
High End of Range: ($60 / $200) * (365 days / 14 days) x 100 = 782.14%
Payday loans are relatively expensive when compared with other loan products. Payday loans are not recommended as a long term financial solution and they should only be taken for emergency financial needs.

The APR on online personal loans can reach up to 1,386% depending on the lender’s terms, borrower’s residence state, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan extension plan, and other factors. Some states cap APR and the amounts of charges for online personal loan.

Implications of Late Payment

You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. Your lender may set late payment fees in accordance with state regulations, and your lender has several courses of action to deal with late payment. For more information about your lender’s specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.

Implications of Non-Payment

The costs associated with loans of up to $500 can range from 15% to 40% of the entire loan amount, and the charges associated with loans of more than $500 can be even more. Your lender may also charge you late fees as well as fees for non-sufficient funds. As an example, your lender may charge you a $20 nonsufficient funds fee as well as 15% of the loan balance as a late fee. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature.

Non-payment may involve debt collection practices as it is set by applicable law. The majority of the lenders in our network do not intend to sell your debt to outside collection agencies. Instead, they will attempt to collect the debt in-house via telephone, email, postal mail or even text message. Similarly, they will not threaten criminal charges or sue borrowers; they will generally offer debt settlements over time instead. Every lender in our network is required to adhere to the Fair Debt Collection Practices Act, which protects consumers from being abused or harassed by debt collectors.

Impact on Credit Score +

Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax and Transunion. This negative record can be reflected on your credit history indefinitely until the loan is repaid in full. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history.

Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender’s policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installments.

Legal Disclaimer: This website does not constitute an offer or solicitation to lend. is not a lender and does not make loans or credit decisions. provides a matching service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract with. does not charge a service fee. does not control and is not responsible for the actions or inactions of any lender. does not endorse any particular lender or loan product. You are under no obligation to use the service, initiate contact, or request credit with any of the lenders. This service is not available in all states. The residents of Arkansas, New York, Vermont and West Virginia will not be able to use the service of the website. Service availability and scope are subject to change without notice.
Subject to our privacy policy, will transfer your information to lenders in our program and other service providers and marketing companies with which we do business who may or may not offer payday loans up to $1,000 and online personal loans up to $3,000. does not guarantee that completing an online form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or desirable terms, or receiving any approval from a lender in the first place.

Credit Check: Participating lenders may verify your social security number, driver license number, national id, or any other state or federal identifications and review your information against national databases, including but not limited to Equifax, TransUnion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit.
Not all the lenders in our network can provide up to $1,000 in payday loans and $3,000 in online personal loans. The limits and regulations vary from state to state. Cash transfer times and terms may vary from lender to lender.

Consumer Notice: We remind that payday loans and online personal loans for small dollar amounts are not a long term financial solution. These credit options imply relatively high interest rates and become a very costly solution if used improperly. Consumers that seek funds for longer terms or debt relief should consult credit advisor prior to making credit decisions of taking a short term or an online personal loan for small dollar amount.

Security Awareness Program #u.s. #security #awareness, #computer #security, #secure #your #computer, #personal #security, #disaster #preparedness, #homeland #security, #security #awareness #tips, #security #awareness #program, #information #security #professional, #information #security #program, #information #security #auditing, #risk #management, #insider #threat, #incident #response, #security #awareness #day, #information #security, #security #awareness


Security Awareness for IT Users – InfoSec Institute
InfoSec Institute is consistently rated as one of the top providers for Security Awareness Program training for users of IT systems. With a systematic approach, multiple delivery formats (instructor-led, CBT/WBT, SCORM formatted modules), and access to industry recognized subject matter experts, InfoSec Institute has what it takes to raise critical security awareness issues in a thought provoking manner for your organization.

Security Awareness for IT Professionals – InfoSec Institute
InfoSec Institute provides a deeper level of security awareness training for technical audiences, honing in on the specific issues that individual IT Professionals need to know in order to secure their infrastructure.

Security Awareness for Software Developers (.NET, Java, C/C++) – InfoSec Institute
Software developers are increasingly under task to develop more secure applications. Without the requisite knowledge, it is an insurmountable task. InfoSec Institute bridges the gap between poorly designed and executed code and secure code with the internationally recognized Security Awareness for Software Developers line of courses.

You can find other value able security awareness training resources here:

NIST 800-50: Security Awareness and Training Program
This NIST publication provides detailed guidance on designing, developing, implementing, and maintaining an awareness and training program within an agency’s IT security program.

ENISA: A Usersďż˝ Guide: How to Raise Information Security Awareness
This document illustrates the main processes necessary to plan, org anise and run information security awareness program raising initiatives: plan & assess, execute & manage, evaluate & adjust. Each process is analyses and time-related actions and dependencies are identified. The process modeling presented provides a basis for “kick-starting” the scoping and planning activities as well as the execution and assessment of any security awareness program. The Guide aims to deliver a consistent and robust understanding of major processes and activities amoung users.

NIST 800-16: Information Technology Security Training Requirements (188 pages)
The overall goal for use of this document is to facilitate the development or strengthening of a comprehensive, measurable, cost-effective IT security awareness program which supports the missions of the organization and is administered as an integral element of sound IT management and planning. Protecting the value of an organization�s information assets demands no less. This approach allows senior officials to understand where, in what way, and to what extent IT-related job responsibilities include IT security responsibilities, permitting the most cost-effective allocation of limited IT security training resources.
Appendix A-D Appendix E

Building a Security Awareness Program – CyberGuard
Hackers, worms and viruses grab the headlines, but the real threat often comes not from outside the organization but within. Social engineering and unhappy employees pose very real risks to network security. How do you address the problem? This article offers a practical approach to setting up an effective security awareness program that gets everyone in the organization on board.

Awareness Tips for All Personnel – Gideon T. Rasmussen
Security tips are a key component to any awareness program. They should advise of best practices and reinforce policy.These tips are written with the average person as the intended audience. The site randomly displays information security tips. Companies can use it internally to educate their user community. The site and script are free to download.

Security Awareness Tips by Role – IT Governance Institute
ITGI offers a security baseline for enterprises and security survival kits for a variety of computer users.

Security Awareness Toolbox – The Information Warfare Site
The Security Awareness Toolbox contains many useful documents and links. The Main Documents section was contributed by Melissa Guenther. The Toolbox is a rich source of awareness material.

University of Arizona Security Awareness Page
The UA security awareness site contains awareness presentations, videos and posters. It’s a good site to explore.

NoticeBoard Newsletter
NoticeBored offers a free awareness newsletter covering a different information security topic each month. The newsletter provides an introduction to the monthly topic, describes the information security risks and outlines the remaining security awareness materials delivered to NoticeBored customers.

IIA Tone at the Top Awareness Newsletter
Mission: To provide executive management, boards of directors, and audit committees with concise, leading-edge information on such issues as risk, internal control, governance, ethics, and the changing role of internal auditing; and guidance relative to their roles in, and responsibilities for the internal audit process.

Security Awareness Group – Yahoo Groups
The security awareness group provides a forum to discuss awareness program methodologies and share security awareness tips. Those interested in learning more about information security will benefit from the exchange of tips and the opportunity to ask questions.

Security Awareness Posters

Attentus Healthcare Company in cooperation with DasSign has provided security awareness posters in the interest of public education. These posters can be used and distributed freely without obligation.

North Carolina Personal Injury Attorneys #personal #injury #lawyer #raleigh #nc


North Carolina Personal Injury Lawyers

A serious accident or devastating injury drastically can change the quality of a person’s life for years to come, if not forever. Whether the accident was caused by negligence, unintentional carelessness, or even by intentional design, its lasting impression is hard to overcome as you continue on in your life. At the Lanier Law Group, P.A. you’re bound to find the attorney who is best suited to your needs. With offices in 11 locations throughout the State of North Carolina, we can guarantee that there will always be someone to help you.

Injury Attorney Serving All of North Carolina

The time following an accident is one of the most stressful, emotional times in one’s life. There is absolutely no reason for you to have to face it alone. With the right North Carolina personal injury attorney at your side, that burden on your shoulders can be transferred so that you may have peace of mind. With our thorough, intimate knowledge of the law, we can usher you through these trying times. By taking an aggressive, dedicated approach to the success of your case, we will leave no stone unturned in our campaign to see you win maximum monetary compensation. Although most cases reach a settlement, we are not afraid to take it to civil court. There we can fight to potentially win you payment for physical, emotional and financial losses that you may have suffered because of the accident. We will fight for you.

From slip-n-falls to serious injuries, we handle it all. Our attorneys successfully have resolved cases involving:

  • Wrongful death
  • Defective products liability
  • Nursing home abuse
  • Sexual abuse

Our law firm handles personal injury claims and lawsuits for clients throughout all of North Carolina. We can work with you to identify what your claim may be worth and who or what party should be held legally accountable for your injuries. Though you currently may be going through a turbulent time, a North Carolina personal injury lawyer at our offices can help to guide and support you to assist you in moving on with your life to a brighter and more stable future.

Helping Those Injured in Accidents in North Carolina

If you have been injured or involved in an accident in North Carolina, it is in your best interest to speak with a skilled accident lawyer as soon as possible. You have legal rights that may entitle you to compensation if you can prove your injuries stemmed from the negligence or carelessness of another. When working to rebuild your life after the devastation of an accident, it’s impossible to erase all traces, but we can work to get your life as close to where it was prior to the accident or injury. The different aspects of your life touched by the accident, now and into the future, need to be compensated for – to the greatest extent of the law. At Lanier Law Group, P.A. we have almost two decades of experience handling personal injury claims, and we work tirelessly on behalf of our clients.

With office locations in Charlotte, Durham, Fayetteville, Greensboro, Greenville, Raleigh, Wilmington, Winston-Salem, Burlington, Asheville and Jamestown. we are available to assist clients throughout the state. When you come to one of our offices, you will meet with a team of skilled professionals, including an attorney, a licensed insurance adjuster, and a paralegal. Together, we work as a team to help you settle your case efficiently and increase your chances of recovering the compensation you may deserve. We accept all types of personal injury and accident cases and can answer any questions you may have.

Every case we handle is different. Not only are the circumstances and severity of every type of injury or accident different from one another, but also a client will have his or her own particular concerns, needs and questions that should be addressed. Because we focus on personalized attention and one-on-one service with our clients, we not only properly handle their personal injury claims but also work to bring them peace of mind in knowing that their case is in good hands. This is all a part of the attorney representation we provide.

Contact a North Carolina Personal Injury Attorney You Can Trust

At Lanier Law Group, P.A. we have almost two decades of experience in this area of law, and have honed our skills at litigating and negotiating these types of claims. With our intimate approach, we can evaluate your case to give you the best plan toward fighting for your desired outcome. You can trust us to advocate your rights to recovery, and employ all possible tactics to help obtain the compensation you need to get your life back to normal as quickly as possible. Above all else, our dedication and drive comes from a sincere compassion to protect our clients’ best interest, and help them recover the compensation they need. If you are interested in discussing your claim with an experienced North Carolina personal injury attorney, please contact Lanier Law Group, P.A. today by calling 855.234.7619.

Our Office Locations

Wilmington, NC

Personal Injury Cases $100,000.00 litigated 3rd party settlement for a man who injured his knee falling from a ladder while working. Offer was made after extensive litigation as claim had been denied when before suit when claim was handled by a different law firm.

Personal Injury Cases $152,000 litigated result for injuries sustained by pedestrian who was struck by motorized wheelchair.

Personal Injury Cases $70,000 settlement for a client who was attacked by a beagle who had a history of attacking people.

A worker’s compensation claim where client was doing framework and the nail gun that he had on his waist shot misfired and fired into his right knee. Client had to have surgery to remove the nail. Employer is claiming there was no employer/employee relationship.

A personal injury claim involving a bus driver who battered and assaulted two minors. One minor has a possible mental health issue caused by the attack. The second minor jumped in to help, and driver struck her as well.

A pharmacy malpractice claim where client, a young boy, who was prescribed Zonegran for his seizures was given Zyprexa, a medication used for schizophrenic and bipolar patients, by the pharmacy. Zyprexa has a possible side effect of seizures. Client went from having four-six seizures a month to six-seven seizures a week as well as changes to his personality.

Call Toll-Free 855.234.7619

Lanier Law Group, P.A. is located in Raleigh, NC and serves clients in and around Wake Forest, Alamance County, Chatham County, Durham County, Franklin County, Granville County, Harnett County, Johnston County, Lee County, Nash County, Orange County, Vance County, Wake County, Wayne County and Wilson County.

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Dalton, Georgia Car Accident Lawyer #law #firm, #law #office, #legal #advice, #lawyer, #attorney, #lawyers, #attorneys, #dalton #personal #injury #lawyers, #car #accident #law #firm


Call 706-508-4292

Because The Amount of Money You Win Is The Amount Of Justice You Receive

Founded in Dalton, Georgia, in 1932, McCamy, Phillips, Tuggle Fordham, LLP, continues its unwavering commitment to quality legal services backed by the highest standard of professionalism and client service. The standards begun more than 80 years ago by attorneys Oliver R. Hardin and Carlton C. McCamy serve as the foundation of our approach to meeting our clients’ needs. We provide clients with an old-fashioned style of legal counsel and representation, backed by exceptional client service and satisfaction.

A Proud and Long Tradition of Service and Commitment to Our Clients

Bringing together the individual strengths and skills of our legal and professional staff, we work as a team to create a dynamic, sophisticated law firm that is recognized by legal professionals across the nation.

Aggressive, effective representation on behalf of individuals who have suffered serious injuries or lost a loved one because of another party’s negligence or misconduct. We are a leading car accident law firm that stands up to fight on behalf of plaintiffs throughout Georgia and Tennessee.

If you were injured on the job in Georgia or Tennessee, we can help you file a successful claim for workers’ compensation benefits. We also offer services to help injured workers appeal their denied claims or negotiate a lump-sum settlement, if appropriate.

We aggressively protect your rights if you face misdemeanor or criminal charges in Georgia or Tennessee.

Whether you are buying or selling a home or are investing in a commercial real estate venture in Georgia or Tennessee, our attorneys have the experience and knowledge you can trust to help you protect your investment and financial interests.

We are experienced commercial transaction and litigation attorneys who have an in-depth understanding of corporate setups, contract law and banking laws in Georgia and Tennessee. Insurance companies and self-insured corporations rely on our firm for advice and formal opinions on the scope and meaning of insurance policy coverage.

Georgia and Tennessee divorce and family law

Our family law attorneys strive to guide individuals and their families through this traumatic time with dignity, sensitivity and respect.

Municipal legal counsel and representation

We represent a number of local governments and public entities in transactional, employment, litigation defense and property development legal matters.

Recognized By Legal Professionals And Our Clients As A Pre-Eminent Law Firm

Our attorneys possess the skills and experience of large city firms but offer the benefit of retaining small-town values of flexibility, responsiveness and integrity. The firm has achieved high AV-Pre-eminent peer review rating for our ethical standards and legal knowledge.

From our offices in Dalton, Georgia, our attorneys provide legal counsel and representation for clients throughout Northwest Georgia and Southeastern Tennessee. Call us toll free at 800-798-3162 or contact us by e-mail to arrange a consultation with one of our experienced Dalton personal injury lawyers today.

Vancouver Personal Injury Lawyer #personal #injury #attorneys #portland


Helping Injury Victims in the
Pacific Northwest for over 35 Years

Have you been injured and someone else is to blame?

If you have been injured in a car accident, trucking accident or on someone’s property, it’s vital you seek the counsel of a seasoned personal injury attorney as soon as possible. NW Injury Law Center brings over 35 years of experience fighting for the rights of people who have been wrongfully injured by others. We will take your case on a contingency fee basis. This means we only receive a fee if we win.

Personal injury cases involve a number of critical circumstances and legal nuances. As such, it is vital your attorney has a full mastery of the ins and outs of this legal area. To do the best job, a lawyer should have a laser focus on personal injury law. Some personal injury attorneys diversify their practice into many different specialties. Our attorneys practice only in the personal injury field, fighting for the rights of those who want their voices heard.

As longtime residents of the Portland/Vancouver WA area, our personal injury lawyers care deeply about our fellow citizens. Whether you ve been injured in a car accident, on a bike, as a pedestrian, or injured at a construction site, those responsible for your physical and psychological suffering should and sometimes need to be held accountable.

The staff at NW Injury Law Center doesn t just say we fight for your rights, we put those words into action. Our legal acumen and caring nature are supported by years of testimonials from past clients. We work with you throughout the legal process and make sure you are aware of every development as your case progresses. We keep you in the loop and make sure any potential pitfalls and roadblocks are overcome.

Should You Settle or Go to Trial?

Our firm has a long track record of taking difficult cases to trial. We’ve won jury trials throughout Oregon and Washington and have recovered verdicts of over a million dollars for injury victims in both states. We pride ourselves on our litigation skills and ability to marshal the right experts to successfully represent you in court.

However, most personal injury cases don’t go to trial. That means you also need an accident attorney who is highly skilled in the art of negotiation to get you the settlement you deserve. In the beginning you will have some contact with the insurance company. Oftentimes it’s not the most pleasant experience, since they generally want to offer you the lowest settlement possible. Once you have retained the services of our firm, that burden can be taken off your shoulders.

In those instances when an injury case must be taken to trial, a law firm needs to have your case prepared for the battle of litigation. The decision of settling or going to trial rests solely on your shoulders, but the knowledge and experience of your personal injury attorney will be a valuable tool in this important process. If your case does proceed to trial, our firm has a long track record of successful jury verdicts throughout Oregon and Washington.

Contact the Law Offices of NW Injury Law Center Today!

There is no substitute for experience. The only thing more important than legal experience is a track record of success that shows NW Injury Law Center is the right choice to represent you in your personal injury case. Call us today with any questions or concerns you have about your case at 360-695-1624 .

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Find the right answers to your retirement questions Ask the financial experts

Nick Maynard has worked in the financial services sector for the past 20 years and works as a consultant on behalf of around 120 financial adviser practices providing advice to their clents on their pension schemes. This involves providing a detailed analysis on charges and fund performance. Nick is also a member of the Chartered Insurance Institute as well as the Personal Finance Society.
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Steve Weisner has worked as a financial adviser since 1997, specializing in the areas of pensions, savings, investments protection. With so many products and product providers, Steve’s experience has guided clients in all areas whether they wish to review their pension planning, save for the future tax efficiently or to arrange protection for their mortgage.
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Our Independent State PensionCalculator. Annuity PensionCalculator. Annuity PensionCalculator. and Life Insurance Rates Calculator s are designed to give you an estimate to put your expectations upon the right level.

Complete one of our quick and easy Calculators below to get an idea of your potential Rate and Apply for a Professional Quote Today.

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Important The calculator IS designed as an estimation tool, it is NOT designed to provide financial advice in anyway. If you would like accurate financial advice, always consult a regulated professional. Assumptions Used Basic rate of inflation 2.5% for your salary p/a Based on 5% growth rate

Disclaimer. The calculators are to be used for estimation purposes and are not intended to give financial advice. Values of investments can go down as well as up so it is important to consult a regulated professional and understand the risks involved before making any investment decisions.

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Sacramento Personal Injury Lawyers #personal #injury #lawyer #sacramento


Personal Injury Lawyer Sacramento CA

The Sacramento metropolitan area has grown tremendously in the past few decades. Because the Sacramento area is so spread out, many residents commute to surrounding communities for employment. It’s not uncommon for Sacramento residents to drive thousands of miles each year, going to and from their job. Such long commutes can lead to heavy traffic and resulting accidents.

A major accident can happen at any time. Whether you suffered injuries because of a traffic accident, dog attack, a dangerous condition or other types of personal injury, the Sacramento personal injury lawyers of Nadrich Cohen, LLP can help you obtain the compensation you deserve.

Our office is conveniently located at 2572 21st Street, Sacramento, CA 95818. We are located south of the 305, between Broadway and 2nd Avenue. Over the last 27 years, our Sacramento personal injury lawyers have helped hundreds of injured clients

Most Recent Settlements and Victories

$500,000 Settlement

Long-term care facility provided neglectful care to an immobile patient. The patient developed Stage III bedsore due to facility s neglect.

$450,000 Settlement

While boarding a city bus, an elderly female was pushed off of the first bus step and onto the ground when a bus driver closed the door on her. Client suffered a femur fracture requiring surgery.

$250,000 Pre-Trial Settlement

Professional athlete failed to disclose sexually transmitted disease status. Defendant infected female with a virus without her knowledge.

$150,000 Settlement

Defendant accidentally hit the vehicle s accelerator pedal in a Fair Oaks parking structure, pinning pedestrian s arm between Defendant s vehicle and a large parking structure pillar. Plaintiff suffered a broken arm.

$145,000 Settlement

Davis resident was struck by a car while riding his bicycle with a cycling club.

$40,000 Settlement

An Oak Park resident was viciously attacked in her own backyard by a police K-9 dog on the hunt for an at-large fugitive. Laceration and sutures to victim s lower calf.

Injury Claims We Handle

  • Traffic accidents Whether you were a pedestrian hit by a car, a motorcyclist or bicyclist hit by a passenger vehicle or a motorist involved in a crash with a commercial truck, we can handle your case.
  • Dog bites Pet owners can be held liable when their dog attacks. Dog bites can cause disfigurement and may require stitches and multiple surgeries. If you or your child was attacked by a dog and suffered injuries, you may be able to file a personal injury claim against the dog owner s home owner s insurance company. Call us to find out more about pursuing a dog attack claim.
  • Toxic exposure If you or a loved one has developed a serious medical condition from exposure to hazardous products or materials, don’t suffer in silence. If you were exposed to asbestos, lead paint, benzene, pesticides including Roundup, contaminated food or other toxic substances, call now to see if you have a case.
  • Other types of personal injury Personal injury encompasses a variety of situations. If you were injured due to nursing home abuse, slip and fall, brain injury, construction accident, farming accident, you may be able to obtain compensation for your injuries.

When you choose Nadrich Cohen, LLP, you get an aggressive team with decades of experience handling claims similar to yours. Injuries can result in numerous damages, including medical expenses, lost wages, disability and pain and suffering. Not all victims recover from their injuries. Some damages can last many years or even a lifetime. It is important to secure your financial future so that you are equipped to handle these losses. That’s why we will work hard to help you obtain the highest amount of compensation possible.

If you suffered personal injury due to someone else’s negligence, don’t hesitate to contact Nadrich Cohen, LLP today. We can evaluate your case at no charge. Give us a call at (916) 443-5486. and we will respond in a timely manner. In fact, we promise to respond to your inquiry within 24 hours.

Sacramento Civil Court Information

Gordon D. Schaber Sacramento County Courthouse
720 9th Street
Sacramento, CA 95814
Civil Hours: 8:30 a.m. to 4:00 p.m. Monday through Friday (excluding court holidays)

Homeowners Insurance – Rates – Quotes: Farmers Insurance #homeowner #insurance, #personal #property, #liability #insurance, #farmers #agent, #protection


Homeowners Insurance

Your home is where you hang your hat, where your family sleeps, and where you keep your valuable and meaningful belongings. When it comes to protecting your investments, there are few things more important than insuring your home.

That’s because Homeowners insurance can help you:

  • Cover your property and possessions if they’re damaged or destroyed by a covered loss.
  • Protect your assets if you’re sued for your alleged negligence that caused an accidental resulting in property damage or injury to another.
  • To know you’re covered the way you want, it’s important to know how much coverage you want, and which coverage options are available to you.

    Video: Learn the Basics

    Video: Learn the Basics Insuring your house? Find out what’s covered and what’s important to know when it comes to protecting your property

    Things to think about when choosing Homeowners coverage

    To help you find the homeowners insurance you want, take into account the:

    Value of your home

    What would it take to rebuild your home at today’s prices?

    Keep in mind, the price you paid for your home is not necessarily what it will cost to rebuild it. For example, the cost of your home may have included the value of the land. When insuring your home though, consider what it would cost to replace or rebuild the house itself. Talk to a Farmers agent, who can work with you to estimate the reconstruction cost of your home. You can also ask a reputable contractor about local building costs.

    Value of unique or expensive items

    Do you have fine art, jewelry, or coins? How about a wedding or engagement ring?

    Homeowners insurance covers these valuable items up to the amount listed in the policy, but this may not be enough to fully cover valuable or unique items. Talk to your Farmers agent about adding Personal Article Floaters to your policy. Floaters provide increased limits and/or additional coverage for specific valuable and unique items, so you can cover them the way you want.

    Value of your liability coverage

    If you were to be sued because of an accident or injury for which you were legally responsible, would your financial assets be at risk?

    Life happens, and at some point you could be responsible, or liable, for injuries, accidents, and damages that happen on your property or anywhere else, for that matter. You can protect your assets against claims and lawsuits with liability coverage available on your homeowners policy.

    Value of your personal property

    It’s difficult to know exactly how many things you own, and how much your personal possessions are really worth until you do a full home inventory. That means going room to room, making a list, and taking pictures of what you have (include as much detail as possible). With a better idea of the value of your personal property, you can more accurately choose the coverage you want to replace your items in the event of a covered loss. With some limited exceptions, a Farmers Homeowners policy will usually cover your personal property anywhere in the world, for the limits stated in your policy.

    Life Insurance: What to Consider As a Business Owner #insurance,cash #flow,personal #finance,finance


    Life Insurance: What to Consider As a Business Owner

    October 11, 2010

    Bob Stein runs a knockout business as a co-owner of two LA Boxing gyms in Marlboro and Shrewsbury, N.J.

    But on a personal level, he knows the company could be faced with a one-two punch if anything happened to him or to his partners, William Connelly and his wife, Suzanna Stein. The problem: They don t have any life insurance earmarked to support the business should one of them die prematurely.

    It s on the to-do list, says Bob Stein. Too many things are on this list.

    Insurance salesmen like to say that if people are counting on you, you need life insurance. Small-business owners like Stein certainly fall into that category. But their needs can be different than other people s when it comes choosing the right coverage.

    Should you die prematurely, a personal life insurance policy can replace your income and protect your family. In the event an owner, partner or key employee dies, life insurance could also ensure business can continue.

    Here are things to consider when buying life insurance as a business owner.

    Types of Insurance
    There are two basic kinds of life insurance policies: term and permanent.

    Term life insurance: This option is simple. You choose a death benefit — how much money your heirs would be paid when you die — and a term of how long you want the coverage to stay in place. For example, you might choose a $500,000 policy for a 20-year term.

    If a need is temporary, such as covering college costs or a mortgage balance, term insurance is the way to go, says Carolyn McClanahan, a certified financial planner with Life Planning Partners in Jacksonville, Fla.

    Bob and Suzanna Stein use term insurance for their young family, with kids ages 8 and 6. Bob Stein says term insurance is economical.

    Term is also a good option for business owners with partners who may be retiring at a certain date in the future. For example, imagine Jim and Sara own a business together. They have an agreement that if either dies before a future retirement date, the other partner would buy the deceased s half of the business. They might each take out term policies, making the partner the beneficiary. So if Jim dies, Sara would receive a life insurance payout that she could use to buy Jim s half of the business from his heirs.

    The downside to term is that it s only good for a specific length of time. If you and your partner plan to stay in business forever, but your term insurance is over after 20 years, you could be without coverage. As people get older, term insurance is more expensive. You may want to consider a permanent policy instead.

    Permanent life insurance: These policies offer both insurance and an investment component, generally called cash value. Part of your premiums pay for the insurance element of the policy and part goes to the investment part. This is unlike term insurance, which is insurance only. When you re done paying term insurance premiums and the term is over, you get nothing back. Permanent life insurance policies will always have the investment part, and even if you let the policy lapse, you can still walk away with your investment account.

    The cost of permanent insurance is much more than term insurance, but as long as premiums are paid, the policy stays in force for your lifetime. These kinds of policies are attractive to those who want insurance that will stay in force for longer than a specific term, or for a lifetime.

    Depending on the kind of permanent policy, you can choose different ways to invest your cash value — the investment portion of the policy. You can also often borrow against the investment portion and use the funds as you wish, or you can direct the insurance company to use the money in the investment account to pay premiums.

    When you die, your beneficiaries would receive both the death benefit and the investment part of the account.

    A permanent insurance policy is what ophthalmologist Monique Barbour has on the life of a key employee for her business, Clear Vue Laser Eye Center in Lake Worth, Fla. The policy would pay three times the employee s annual salary.

    It gives the corporation about 50 percent coverage of the income generated per year by this individual, says Barbour.

    Should that employee die unexpectedly, the payout would buy Barbour some time to replace that employee without worrying about the financial implications for the business.

    Permanent insurance can also be used among partners to help the surviving partner buy out the part of the business owned by the deceased partner, but it s a lot more expensive than term.

    Things to Consider
    Deciding which kind of policy is best for you depends on your needs. You may decide both kinds of policies are appropriate.

    Your family: First, consider your family. Life insurance will protect younger families from loss of income or to maintain a certain level of lifestyle in the event of an untimely death. Older couples may use insurance as a way to transfer wealth or a legacy to younger generations.

    Some families choose both a term policy and a permanent one to satisfy different needs, says Vince Pallitto, a certified financial planner and certified public accountant with Summit Asset Management in Florham Park, N.J.

    A young couple with two young children and a $300,000 mortgage may need a $500,000 permanent policy that will be in place to age 100, and a $1 million 25- or 30-year term policy to protect the family while the mortgage balance is high and the kids are young, Pallitto says.

    Barbour uses both kinds of policies for her husband and three children, 15, 13 and 6. She says she hopes the policies would pay current living expenses for the family, and more.

    I also hope that they would be able to attend college and continue to operate the businesses that I have started, Barbour says.

    Your business: Business owners need insurance for similar reasons: income replacement and to protect the future of the company. If a partner, owner or key employee is suddenly gone, the business can deteriorate very quickly. With the right insurance in place, the surviving business partners will have enough capital to keep the business going while looking for a replacement for the deceased partner, or to buy out the heirs of the deceased partner.

    If a person plans on being active until death and the business really depends on that person, permanent insurance should probably be used, although it will be much more costly, McClanahan says.

    Term insurance can work in the event key members of the business, who, for example, generate most of the income for the company, die. The time frame for the insurance could be linked to the key person s expected retirement date.

    Life insurance is also commonly used to buy out partners or shareholders in a buy/sell agreement if there s an unexpected death of an owner. Or if a partner personally guaranteed leases or loans for the business, Pallitto says a term policy could be appropriate.

    How much to buy?
    How much insurance your family or business needs will depend on your expected income over your lifetime, debts and future expenses, and the general structure of your business. Try s life insurance calculator for more guidance.

    How to Buy
    Before you start shopping, make sure you go with a highly rated insurance company no matter what kind of policy you buy. You want to make sure that company will still be around decades in the future when your beneficiaries may need a payout. You can check out the health of insurance companies with ratings services such as A.M. Best. Standard Poor s and Moody s .

    If you need a simple term policy, you can shop online to compare policy prices and company ratings. Sites such as, and will compare policies from dozens of different companies.

    But most business owners should get professional advice before buying. A pro may point out needs you didn t realize you have, or give you the pros and cons of various policies as they relate to your particular situation.

    Be aware of who is doing the selling. Many permanent insurance products earn high commissions for the salespeople.

    Pallitto recommends working with a certified financial planner who can look at your insurance needs in relation to your complete financial plan and the needs of your business.

    Insurance salesmen tend to oversell insurance, Pallitto says.

    Karin Price Mueller

    Personal Injury and Health Law #personal #injury #and #health #law, #personal #injury #law, #car #accident #law, #building #accident #law, #asbestos #law, #health #laws


    Personal Injury and Health Law

    Locate a Local Personal Injury Lawyer

    What Is a Personal Injury?

    Personal injury is a legal term for injuries to the body, mind, or emotions. The legal system permits an injured person to go to court to get a legal remedy for the losses stemming from the accident.

    In the legal world, personal injury is defined as a tort claim. A tort claim has two basic issues liability and damages. Liability is a legal term that defines who is responsible for your injury. Damages are a sum of money claimed or awarded as compensation for your loss and/or injury.

    Typical personal injury cases are injuries stemming from automobile accidents, injuries occurring while the injured person was on another s property, animal bites, defamation claims, construction accidents and injuries from defective products. Claimants that win a judgment in court are awarded pain and suffering damages .

    What Is Required for a Personal Injury Claim?

    In tort claims, there are typically three different basis for claims. These are negligence, intentional acts and strict liability.

    • Negligence. The most common basis for claims in personal injury, negligence establishes that the party at fault had a duty to you and breached that duty resulting in your injury. The duty is a duty owed to all reasonably foreseeable parties wherein reasonable care must be exercised.
    • Strict Liability. Strict liability is common in cases where injury results due to a defect in the design or manufacture of a product. To establish strict liability, it must be established that the product was designed or manufactured in a way that made it unreasonably dangerous when used as intended.
    • Intentional Acts. Extremely rare, intentional acts are found in situations where a person hits you and situations where you are wrongfully detained (false imprisonment).

    What Are Damages in a Personal Injury Claim?

    Damages are a sum of money claimed or awarded as compensation for your loss and/or injury. Typically damages are divided into two areas general and special damages.

    1. General Damages. These are damages which are deemed to flow naturally from the defendant s wrongful action. General damages can include physical pain and suffering, physical disfigurement, mental anguish, physical impairment, loss of consortium or companionship (paid to family members in wrongful death cases) and lowered quality of life. General damages are difficult to quantify as it is nearly impossible to put a monetary amount to one s pain and suffering. One factor that courts consider in determining a fair amount include the severity of the injury.
    2. Special Damages. Special damages are calculated to financially compensate the injured person for their losses. Special damages include out of pocket expenses stemming from the injured person s injuries. Special damages include repair and replacement of damages property, lost wages and loss of earning capacity and medical expenses. Unlike general damages, special damages are easy to calculate because a dollar amount is provided for the loss.

    An injured person can claim both special and general damages.

    How Should I Negotiate My Personal Injury Claim?

    After you file your personal injury claim, an insurance company will typically come into play, especially if someone is at fault for your injury. In some circumstances, you may file a claim under your own insurance coverage or you might file a third party claim with the insurance company of the person who injured you.

    Insurance companies prefer to reach a settlement instead of going to trial.

    Seeking Legal Help

    Insurance companies may offer a settlement that covers your losses. However, some people find difficulty in attempting to recover for claims when dealing with insurance companies and need legal assistance. This is especially true for complex cases, such as those involving medical malpractice claims. A personal injury attorney can help you negotiate a fair settlement that will compensate you for your injury and losses.

    Link to this page

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    Zero-interest balance transfers credit cards can have sting

    As many Australians struggle with credit card debt after a Christmas and holiday splurge, zero-interest balance transfer offers may seem like the answer.

    Lenders promote these deals at this time of year and there are more than 100 on the market right now, according to Kirsty Lamont, a director of comparison site Mozo.

    “Lenders dangle these balance transfer offers as carrots to try and entice consumers to sign-up to cards that, in many cases, can be very expensive,” Lamont says.

    They can work for those who have the discipline to pay off the balance in full before the interest-free period ends. But those who continually struggle to pay off their credit card debts may be better off with a “vanilla” low-interest rate card or even a personal loan with a fixed repayment schedule.

    Dennis Reddy, a 28-year-old accountant from Sydney, is making a balance transfer deal work for him.

    Reddy was paying about $150 a month in interest on his credit card debt and finding it difficult to clear the debt.

    At the end of last year he decided to make a fresh start and get the debt under control. So he checked online for a good zero-interest balance transfer card.

    “I didn’t care who the provider of the card was as long as the deal was competitive,” Reddy says.

    He then transferred his balance to a credit card from another bank with an interest-free period of 18 months.

    The card had a balance transfer fee of 2 per cent, but the $99 annual fee was waived for the first year.

    “I thought about hanging onto the my old card after transferring the balance to the new card, but thought that would lead to more debt so I cancelled that card,” Reddy says.

    Even though his new card has an annual interest rate of more than 20 per cent after the interest-free period, his plan is to extinguish the transferred debt completely before that kicks in. He intends to keep his transfer balance card, but only for use in emergencies.

    To make purchases, he has retained his debit card that is attached to the savings account with his original bank into which his pay goes.

    “The lesson learned is that if you don’t have the money you don’t spend it [using credit],” Reddy says.

    Caution needed

    Sally Kirkright, chief executive of AccessEAP, a corporate psychology consultancy, says the start of the year is a time when many are particularly vulnerable to financial stress.

    As the afterglow of the holiday period gradually fades, many face the reality of their holiday spending spree.

    Australians spent nearly $10 billion on Christmas presents last year, according to extrapolation of results of a survey conducted by comparison site

    And Roy Morgan Research, extrapolating from a survey it carried out on behalf of the Salvation Army, estimates that about two million people are leaving the festive season with worrying debts.

    “Returning to work after the fun of the holiday period brings a dose of reality,” Kirkright says.

    “Someone who has spent more than they planned can feel out of control and stressed that they haven’t managed their funds as well as they perhaps should have,” she says.

    And for many people the financial stress will be first felt on their credit cards.

    Finder estimates Australians are returning home from holidays with $7.5 billion of debt on their credit cards.

    It also estimates there will be about $180 million in interest paid on the debt that was incurred on holidays in the first year.


    Bessie Hassan, money expert at Finder, says interest-free balance transfer cards can be a lifeline for those who’ve splurged over Christmas.

    But it is important to be aware of the length of the interest-free period on transfers, which typically ranges from 6 to 24 months, she says.

    Interest is also charged on any purchases on the card, even if the purchases are made during the interest-free period.

    Mozo’s Lamont says some balance transfer cards use a “revert” rate that is equal the cash withdrawal rate, which can be up to 24 per cent.

    That’s why it is important to work out exactly how much you need to repay every month to ensure your balance hits zero by the end of the interest-free term.

    The comparison sites show balance-transfer fees are usually between 2.5 and 3 per cent of the transfer amount and annual fees range between $50 and $250.

    Lamont says lenders have a range of zero-interest balance transfer cards, including those with rewards points with often higher revert interest rates and annual fees than non-rewards balance transfer cards.

    Somebody who takes a balance transfer offer to pay off their credit card debt really should not be transferring that debt to an expensive rewards card, Lamont says.

    “Cards with rewards points encourage cardholder to spend more when they should be using a balance transfer card to pay off existing debt and not to make new purchases,” she says.

    Competitive offer

    Consumers need to look for a balance transfer deal that is competitive on the length of the interest-free period as well as on the interest rate and fees.

    Otherwise, you risk racking-up new debt and getting nowhere, Lamont says.

    “It’s up to the card-holder to work out the repayments that will pay off the card within the balance transfer period and to stick to that repayment schedule,” Lamont says.

    “For those struggling to pay off their credit card debt the question is whether they are going to be able pay off the debt within the balance transfer period,” she says.

    She points out that there are “vanilla” non-rewards cards with low annual fees and with relatively low purchase interest rates of 7 or 8 per cent.

    She says for those who really struggle, a personal loan with a fixed schedule of repayments could be the best option.

    “Those who struggle to pay off credit card debts would do well to avoid future temptation by cutting up their credit card and using a debit card instead,” Lamont says.

    Kirkright says if you have debt in a couple places, such as credit cards and a personal loan, consider reviewing and consolidating these loans to get them under control.

    “The credit card may be a good starting place given it may have the highest interest rate,” she says.

    COLORADO SPRINGS INJURY ATTORNEY #colorado #springs #accident #attorney, #colorado #injury #lawyer, #car #accident, #wrongful #death, #motorcycle, #auto, #construction #site, #work #accident, #drug, #fracture, #back, #neck, #brachial #plexus, #truck #collision, #nursing #home #abuse, #paralysis, #product #liability, #vision, #serious #injury #colorado #springs #personal #injury #lawyer

    • Amputation Injury
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    A Colorado Springs Injury Attorney

    Have you or someone you love been seriously injured in an accident? If so, contact us here at the law office of the Colorado Springs Injury Attorney to discuss your case.

    Our legal team has been recovering compensation for injured clients for many years. Our firm has successfully represented cases of serious injuries such as:

    • Amputation Injury
    • Back Injury
    • Birth Injury
    • Burn Injury
    • Construction Site Injury
    • Drug Injury
    • And much more.

    Although you may have health insurance or a viable claim with a faulted party, the Colorado Springs Injury Attorney can be the advocate you need to maximize your compensation. Make no mistake – insurance companies are not designed to help you, but make a profit. Retaining an attorney and filing a personal injury lawsuit can be the best step forward to securing the funds you will need to care for yourself and your family.

    The Colorado Springs Injury Lawyer has experience representing clients against all types of parties including hospitals, employers, and insurance companies. If you have been injured, we can protect your rights. Contact our office today for a free initial consultation regarding your case.

    Copyright 2011 A Colorado Springs Injury Attorney| Website Developed Optimized by Webopts

    Cincinnati Personal Injury Lawyer #personal #injury #lawyer #cincinnati, #cincinnati #personal #injury #lawyer


    About Us

    Steiden Law Offices has been helping people all over the greater Cincinnati area since 1994. Our firm has deep ties to deep ties to Southern Ohio and Northern Kentucky, and we work closely with every client we serve. Our personal injury attorneys understand that no two cases are the same, and we give every person the attention they deserve after sustaining catastrophic injuries or losing a loved one.

    Steiden Law Offices handles a wide variety of claims, including automobile accidents, accidents involving underinsured or uninsured drivers, and drunk driving accidents as well as motorcycle accidents, bicycle accidents, and pedestrian accidents. Additionally, we also help clients who have been victims of nursing home abuse and neglect, medical malpractice, defective products, and premises liability accidents such as slip and fall accidents.

    Our firm treats each person who walks into our office with the utmost compassion, and we fight to obtain the compensation victims and their families need following accidents caused by another party’s negligence. Steiden Law Offices has six locations, including Ohio offices in Cincinnati and Maineville as well as Kentucky offices in Covington and Florence.

    In addition to the many types of personal injury claims we handle, our lawyers can also assist in filing wrongful death lawsuits after a loved one’s death or class action lawsuits when a large group of people has suffered a similar wrong. We help the residents of Hamilton County in Ohio as well as Boone County and Kenton County in Kentucky.

    Steiden Law Offices has been representing clients in Cincinnati and surrounding areas for two decades. We work for accident victims in Ohio communities like Springdale, Reading, Norwood, Montgomery, Forest Park, and Blue Ash as well as such areas of Kentucky as Walton, Villa Hills, Union, Fort Mitchell, Florence, Erlanger, Elsmere, Edgewood, and Covington.

    If you sustained serious injuries or your loved one was killed in an accident, call us today at (513) 888-8888 to schedule a free legal consultation to let our dedicated personal injury attorneys review your case. We take all personal injury cases on a contingency fee basis, which means that if our lawyers don’t win your case, you don’t pay.

    About Us – Who We Are

    • About Us

    Convienient Office Locations

    Cincinnati, OH 830 Main St #401 Cincinnati. OH 45202

    Cincinnati, OH 260 Northland Blvd #129 Cincinnati. OH 45246

    Covington, KY 411 Madison Avenue Covington. KY 41011

    Florence, KY 6900 Houston Rd #21 Florence. KY 41042

    Maineville, OH 2263 W US 22 and 3 Maineville. OH 45039

    Cincinnati, OH 4030 Mt Carmel Tobasco Rd #129 Cincinnati. OH 45255

    West Chester, OH 8050 Becket Center Dr #131 West Chester. OH 45069

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    Washington D.C. Motorcycle Accident Lawyer – Find an attorney in Washington D.C. for your motorcycle accident case.

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    Tucson Personal Injury Attorneys – Goldberg – Osborne #personal #injury #lawyer, #tucson #personal #injury #lawyer, #personal #injury #lawyer #tucson, #injury #lawyer #tucson #az, #tucson #az #personal #injury #lawyer, #personal #injury #attorney, #tucson #personal #injury #attorney, #personal #injury #attorney #tucson, #injury #attorney #tucson #az, #tucson #az #personal #injury #attorney, #tucson #law #firm, #tucson #injury #law #firm, #best #tucson #personal #injury #lawyer, #best #tucson #personal #injury #attorney


    Tucson, AZ Personal Injury Lawyers Car Accident Attorneys

    Have you or a loved one been injured through the fault of another in Tucson, Arizona? For over twenty years, the Tucson personal injury attorneys at Goldberg Osborne have been helping injured victims like you in Tucson and elsewhere in Arizona.

    Serious injuries can cause you pain and suffering emotionally, physically, and financially. By pursuing your case with a Tucson, AZ personal injury lawyer, you can receive compensation from the person or company who caused your injury. This compensation can pay medical bills, damages and even recover lost wages.

    The lawyers of Goldberg Osborne can help you in this process. If you or a loved one has suffered from a personal injury. assault, catastrophic injury, wrongful death, aircraft injury. medical malpractice. brain injury. car accident. or any incident in the workplace or on a construction site, call us today!

    Find a Tucson personal injury lawyer at one of the four Goldberg Osborne Tucson office locations nearest you. Your call or email will be correctly routed regardless of which office is contacted.

    Goldberg Osborne: Hometown Tucson Injury Lawyers Fighting For You!

    Goldberg Osborne have been practicing personal injury law in Arizona since 1989, and our firm has been accredited by the Better Business Bureau since 1995. We are the largest personal injury law firm in Arizona, settling cases for over 60,000 clients. We have recovered over 2 billion dollars for our clients from cases ranging from medical malpractice to slip and fall accidents.

    With offices throughout Arizona, we provide your case with individual attention. At Goldberg Osborne, we will come to your home, office, or hospital in order to give you face-to-face interaction. Every case is a top priority.

    Because we have always focused on personal injury law, we know the way insurance companies behave and the tricks they play. We recommend you contact us before giving any recorded statements to the insurance company so we can advise you on how to best represent and protect yourself. With extensive experience with the Arizona legal system and in Arizona courtrooms, we can give you the necessary representation and advice throughout your case.

    Most importantly, our Tucson personal injury attorneys will work hard to recover every dime of compensation for our client’s injuries. At Goldberg Osborne, we will handle your case so that you can focus on making a full recovery: emotionally, physically and financially.

    Contact a Tucson Personal Injury Lawyer Today!

    In order to file your claim in time, you need to contact an attorney quickly! In the State of Arizona, there is a period of time in which you may file a lawsuit or you will be unable to seek compensation. Therefore, we encourage you to contact the Tucson offices of Goldberg Osborne today. Simply call 1-800-THE-EAGLE (1-800-843-3245) or fill out our online case form for your free, no obligation evaluation. We work at no cost until we settle or win your case!

    Tucson Car Accident and Injury Lawyer Office Locations

    Goldberg Osborne
    3052 E Broadway Blvd
    Tucson, AZ 85716
    (520) 620-3935


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    Philadelphia Personal Injury Attorneys

    Philadelphia Personal Injury Lawyers

    Winning Your Battles Since 1958

    For over 50 years, The Beasley Firm has fought for the legal rights of injured persons. Our cases have changed the law, have set records for personal injury and medical malpractice jury verdicts, and have made a real difference in people s lives: both in ensuring compensation and care for the injured, and in holding companies accountable for their negligence, so they ll be more careful in the future. Our record of verdicts and settlements speaks for itself. All told, we have obtained for our clients over $2 billion in awards, including more than a billion dollars in wrongful death benefits, and several hundred million dollars in compensation and future medical benefits for children with cerebral palsy.

    We are at the forefront of the legal profession, both in developing the law and in winning jury trials.

    Nationally Recognized Law Firm

    Cases We Handle

    At The Beasley Firm, we aim to make a real difference in people s lives: both in ensuring compensation and care for the injured, and in holding companies accountable for their negligence. Check out some of the injury cases we handle:

    Auto Accidents

    Medical Malpractice

    The Beasley Building

    The offices of The Beasley Firm, LLC are located in what used to be an Episcopal Church. In 1894, the church housed a beautiful pipe organ and stained glass windows. Over the next century, the building was transformed into a medical college, uniform company, and even a nightclub before our firm restored it to its original glory. As a modern touch, we commissioned a five story mural on the back of our building that is now a landmark part of the Mural Arts walking tour through Philadelphia.

    Founded by the Original Law Maverick –

    The Courtroom Cowboy Himself

    We are bold and imaginative. We take risks. Our founder taught us how. The late Jim Beasley was the trailblazer, a legendary Philadelphia trial lawyer nationally recognized for having won more million dollar jury verdicts than any other trial lawyer in the country. In tribute, the Temple University Law School now bears his name.

    The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship. Please note: All cases are different and past results do not predict future case outcomes.

    Wirth Law Office – Tulsa Oklahoma Attorney (918) 879-1681 – James M #personal #injury #lawyer #tulsa #ok


    Wirth Law Office
    Oklahoma Attorneys

    Get Powerful Tulsa, Oklahoma Legal Representation

    Wirth Law Office is a Tulsa, Oklahoma law firm founded by attorney James M. Wirth, Esq. on January 1, 2010 following his successful tenure at another prominent Tulsa firm. Since then, Wirth Law Office has established satellite offices throughout Northeast Oklahoma. Our legal team now includes a cadre of skilled associate practitioners, each of whom adds powerful capabilities to the practice.

    Our Promise to You

    Why should you hire the Wirth Law Office? Because you want a successful, balanced attorney you can trust.

    The Wirth Law Office founder and associates have established a track record of creative, tenacious representation in Oklahoma courts. When you retain Wirth Law Office attorneys as your legal counsel, our promise to you is that we will do everything in our power to achieve the best result in your legal matter.

    Successful Attorney

    Tulsa, Oklahoma attorney James M. Wirth, Esq. has obtained exceptional results for his clients in criminal defense, family law, personal injury, workers compensation and other areas of Oklahoma law. This includes but is not limited to jury trial acquittals, six figure settlements and successful appeals, including restoring a father s terminated parental rights on appeal to the Oklahoma Supreme Court.

    Although these successes demonstrate his legal expertise, they do not guarantee results on any future case. Every case is different and must be approached according to the specific facts and circumstances of that case.

    Balanced Attorney

    Like many things in life, optimal legal representation requires balance between experience and obsolescence, between zealous advocacy and obnoxiousness, and between success and availability. Wirth Law Office founder James M. Wirth has recognized these distinctions. He understands the difficulties that most attorneys and law firms encounter in properly balancing aggressive representation with diplomatic stature.

    Ideal legal representation requires practitioners who are able to reconcile these distinctions. This law firm was founded with that unique goal in mind: we strive to provide ideal representation that balances the challenging requirements of a successful legal endeavor.


    A lawyer’s job is to advocate for his or her client s expressed interests. Such an attorney–client relationship requires cooperation and trust. Although some attorneys may simply demand that their clients have faith in them, the Wirth Law Office believes earned trust is an essential element of proper legal representation — trust not only in the attorney s character but also his or her aptitude, knowledge and skill.

    We intend to earn your trust. The Wirth Law Office offers free initial legal consultations with the firm s founder, attorney James M. Wirth, in order to provide an opportunity for the firm to earn your trust prior to your investment in a retainer fee.

    Areas of Law Practice

    Criminal Defense
    Estate Planning
    Family Law

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    We connect you with the right

    Santa Clara County Lawyer

    Certified by the State Bar of California, the SCCBA LRS is the largest
    and oldest lawyer referral service in Santa Clara County.


    Our friendly and highly-trained referral staff has over 20 years of experience in selecting qualified, pre-screened lawyers for your immediate legal needs. Bilingual in English and Spanish. we communicate with you with empathy and skill. We’re here to help.

    Simple Steps

    • Call 408.971.6822 to speak with an LRS staff member about your legal problem; or Contact Us Online.
    • Receive your 30-minute consultation with a qualified local lawyer in the area of legal expertise you require. Your consultation will be immediately arranged around your schedule, usually within 24-48 hours.
      Plus, receive a free second 30-minute appointment with a different lawyer, if requested;
    • Pay a $41 non-refundable administration fee by Visa/Mastercard or Money Order.

    All Attorneys in our Lawyer Referral Service charge NO FEE for first 30 minutes.

    Neither you, nor the lawyer, are under any obligation to continue beyond the first consultation. If your problem requires further legal services and you elect to hire the lawyer, you and the lawyer will decide the fee to be charged.

    Experienced Lawyers

    Our lawyers must meet pre-set qualifications to insure they have the experience, knowledge, and professional approach to advise you on your unique legal situation. Attorneys with the Lawyer Referral Service are screened for minimum qualifications and must have malpractice insurance. Attorneys connected through LRS waive their fees for Initial appointments.

    Areas of practice include:

    • Adoption
    • Auto Accidents
    • Bankruptcy
    • Business / Real Property Litigation
    • Collections
    • Conservatorship
    • Consumer

    • Family
    • Estate Planning
    • Evictions
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    • Immigration
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    • Personal Injury
    • Probate
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    and many more.

    Modest Means Panel

    For clients who have limited financial resources, we offer a Modest Means Panel that matches clients with lawyers who can assist at a substantially reduced rate in the following specialties:

    • Bankruptcy
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    Find out if you qualify to be matched with an experienced lawyer at a reduced rate.
    Call 408.971.6822.

    Limited Scope Representation in Family Law

    For clients who need help with only certain parts of a Family Law case, we offer Limited Scope Representation.

    Budget your financial resources by doing the simpler tasks yourself. Your family law attorney will focus their time only on specific areas of your case, as needed.

    Please contact us to receive limited scope representation by a qualified family law attorney.
    Call 408.971.6822.

    Houston Car Accident Lawyer #personal #injury #lawyer #in #houston


    John R. Bartos J. Bernard Schultz, Personal Injury Attorneys

    When you need the help of a Houston car accident lawyer. look no further than your neighbor John R. Bartos Attorney at Law. The offices of John R. Bartos J. Bernard Schultz are known for experience and diligence in fighting for your case. For over 25 years, we have provided quality and personal legal services for individuals and businesses. Personal injury law is our primary area of practice and we have handled cases involving car accidents. 18-wheeler accidents , motorcycle accidents . We are also experienced family lawyers and can offer legal services such as wills trusts and probate law. We welcome the opportunity to talk with you and to discuss how we may be of service.

    If you or a loved one has been seriously injured in a car accident, we would like to help you.

    As experienced Houston personal injury lawyers. we know that the need to contact a lawyer immediately arises when you are in a difficult situation, due to injuries, expenses, and emotional distress. We have the expertise and experience because we have represented injured clients in various car accident cases.

    Delays in pursuing what the law says you are legally entitled to can have disastrous effects. Insurance companies frequently dispatch lawyers, adjusters and experts to the scene of serious accidents for an investigation in an effort to reduce their liability for damages. It is very important that you have a Houston lawyer to look out for your interests as quickly as possible.

    If you have a civil problem such as those listed in our Areas of Practice, or other legal questions please call us at 1-800-222-1136 or send us a message to receive an initial consultation by one of our lawyers regarding how your situation can be resolved. We deal with cases that range from Houston personal injury law, car accidents in Houston, slip and fall injuries, and much more. If you are looking for a Houston car accident lawyerthen contact us today to discuss your case. We want to help you.

    We want to be your Houston Car Accident Lawyer.

    This web site is designed for general information only. The information presented on this website should not be construed to be either formal legal advice or the formation of a lawyer/client relationship.

    Areas of Practice:

    Personal Injury Attorney Charleston, SC #personal #injury #attorney #charleston #sc


    At South Carolina Injury Solutions by Frazier Law Offices, we are here to help when you ve been injured due to someone else s negligence. South Carolina Injury Solutions by Frazier Law Offices offers personal injury attorneys and accident attorneys for those involved in car accidents, as well as medical malpractice cases. We also provide criminal defense attorneys for those who find themselves in trouble with the law.

    The personal injury attorneys at South Carolina Injury Solutions by Frazier Law Offices in Charleston, SC are here to help, as we know accidents can take a devastating toll on our clients. Injury accidents can lead to emotional and physical suffering, as well as financial difficulties. It s our job to get you the compensation you deserve to help you pay for your expenses and move on with your life.

    Trusted Criminal Defense Attorneys

    The criminal defense attorneys at South Carolina Injury Solutions by Frazier Law Offices always have your best interests in mind with every criminal defense case we handle. Sometimes, good people find themselves in trouble and it s our job to make sure their lives are not ruined by one mistake. We provide a thorough defense to seek fair solutions for your criminal defense case.

    Whether you ve been hurt in an accident or need a criminal defense attorney on your side to defend your legal rights, South Carolina Injury Solutions by Frazier Law Offices is here to help. Our personal injury attorneys have the experience you re looking for. We will fight for you every step of the way. Call us today to schedule an appointment to discuss your case. Our attorneys have been trusted throughout Charleston, SC.


    Contact Us

    Personal Injury Attorneys #seattle #personal #injury



    Meet Our Personal Injury Attorneys

    Local Lawyers Dedicated to Law, Family and Community

    The personal injury attorneys of McBride, Scicchitano Leacox, P.A. are dedicated professionals who have their clients’ best interests at heart. We draw from our own personal experiences that inspire us to assist those affected by injustice.

    Please take the time to meet our talented staff, and always know that if you are in need of a Florida injury attorney in Orlando, Tampa or Kissimmee or nationwide in Albuquerque, Denver, Boston, Seattle and San Diego, we can help when you contact our personal injury lawyers .

    Since the age of ten, William wanted to practice law to help families in need. He fulfilled this dream when he received his Juris Doctor from Pepperdine University College of Law in Malibu, California. McBride is licensed to practice law in all Florida courts and the U.S. Court of Appeals for the Middle District of Florida. In 2006, he ran for the U.S. Senate and received 30 percent of the statewide primary vote.

    Zachary is originally from Denver, Colorado, where he studied finance and statistics. He received both a law degree and an M.B.A. from the University of Kansas. After working in family law and insurance, Zachary now uses his experience and knowledge to help people affected by catastrophic injuries as a personal injury lawyer.

    Originally from Pennsylvania, Aaron received his Bachelor’s degree from Susquehanna University and his law degree from Ohio Northern University. He is licensed to practice in the U.S. District Courts for the Middle and Northern Districts of Florida.

    Laura is the firm’s corporate counsel. As the corporate counsel attorney, Laura plays a critical role in our team’s pursuit of fairness and justice for the community by overseeing the firm’s ethical, legal and corporate compliance matters. as well as the firm’s human resources.

    Nicholas studied Finance at the University of Florida, where he also received his J.D. After defending insurance companies for five years, he decided to begin representing injured individuals and their families. Whether you have been affected by a personal injury or wrongful death. Nicholas, as a former insurance lawyer, is a great resource to have on your side.

    Manny has been in the central Florida area for over 15 years. He graduated from the University of Central Florida with a Degree in Political Science. He then obtained his Juris Doctor from Barry University School of Law.

    In February of 2003, Attorney Boardman started his own law practice in Hampton, Virginia with a general practice that specialized in personal injury, medical malpractice, bankruptcy, custody, traffic, and misdemeanors. Over the last 13 years, his firm has flourished as he has served thousands of clients. He strives to treat each of his clients with compassion and care and gets great satisfaction out of seeing the dramatic changes in his clients’ lives as a result of his help.

    David is the firm’s immigration attorney. Originally from Indiana, he received both his Bachelor’s degree in Business and his Law degree from Indiana University in Bloomington. David’s wife is an immigrant from Peru and he now helps others with their immigration legal issues.

    Attorney Alberto H. Oliveri was born in Punta del Este, Uruguay. He attended the University of South Florida where he earned his Bachelor of Arts in Economics and Criminal Justice -Cum laude- in 2007, and an M.B.A. with a concentration in Finance in 2010. In 2013 he earned his J.D. from Florida A M University.

    Louis Berk is an associate attorney at McBride, Scicchitano Leacox Orlando Office. Mr. Berk was born in Venezuela and was raised in Hollywood, Florida. He received his Bachelor’s Degree in Finance, and later received his Juris Doctor from Florida A M College of Law.

    Need Legal Advice Now?

    Call 1 (800) 336-6000 now to speak to an attorney at our firm. You can also schedule a free consultation with a personal injury attorney by filling out our online free case evaluation form. There is no obligation to use our services after you speak with us, and any information you provide us is confidential. Our attorneys and staff work with Spanish and English speaking clients regardless of their citizenship status.

    Personal Injury and Wrongful Death Attorneys #largest #personal #injury #law #firms


    Bachus Schanker, LLC
    Denver Personal Injury Lawyers


    The firm’s founding goal was to level the playing field between accident victims and large insurance companies, and the firm’s core practice area is still Personal Injury law. Over time, Bachus Schanker, LLC ‘s practice areas have broadened to include Workers’ Compensation. Social Security Disability. and all forms of plaintiff’s employment law. The firm is also heavily involved in national plaintiff’s litigation addressing a variety of Defective Medical Devices, Products Dangerous Drugs. The firm’s trial practice is fully mature.


    The firm is now made up of 25 lawyers and a team of more than 95 people. With offices in Denver, Aurora, Fort Collins and Colorado Springs, Bachus & Schanker, LLC has represented thousands of clients across the country. The firm’s 21,000-square-feet Denver office has a full courtroom, with state of-the-art focus group facilities.

    At Bachus & Schanker, LLC in Denver, Colorado our lawyers represents injured people and their families. It is what we do! Our 25 lawyers and a team of more than 95 people are here because we want to help accident and Personal Injury victims. Our lawyers’ initial review of a potential injury and accident case is free and confidential. If, upon review, our lawyers believe the law and the facts support bringing a claim, we will tell you what we think.

    If, after consultation, Bachus & Schanker, LLC agrees to pursue the case, in most Personal Injury situations, we offer to represent our clients on a “contingency fee” basis. This means that our firm is only paid attorneys fees if there is a recovery, and even then, our attorney fee is an agreed percentage of the amount recovered.

    How We Help You

    We know that the financial consequences of an accident can be devastating. That is why there is no cost for an initial review of your situation to see if there is a potential of recouping your accident related losses. To begin the initial confidential review process, just complete the short form on the homepage page or call your local Bachus & Schanker, LLC office telephone number listed at the top and bottom of the website. We serve all of Colorado.

    Featured Personal Injury Practice Areas

    About Us

    Bachus & Schanker, LLC is a nationally recognized personal injury law firm committed to protecting and enforcing the rights of people injured by the negligence of others.

    In today’s legal landscape, we see that there are some lawyers unwilling to take on wrongdoers when those wrongdoers are represented by huge insurance companies and their law firms.

    We founded Bachus & Schanker, LLC, because we wanted to do our part to help level the playing field – our goal is to give you and your family the power to take on even the largest insurance companies.

    As one of the largest Personal Injury and Accident law firms in the region, the Personal Injury attorneys and car accident attorneys at Bachus & Schanker, LLC are committed to pursuing justice for people injured through someone else’s negligent, careless or reckless conduct. Since its founding, our Colorado firm has represented thousands of clients living throughout the United States. We have been designated by our colleagues as preeminent in our field. We are listed in the Bar Register of Preeminent Lawyers and have achieved the highest rating available from Martindale-Hubbell–the oldest attorney and law firm rating service in the United States. In fact, our founding partners have been named “Colorado Super Lawyers,” by Super Lawyers magazine, a publication which recognizes elite attorneys in each state.

    Through our firm’s devotion to the rights of the injured, as well as its organization and infrastructure, you will gain access to a firm of attorneys who limit their practice to Injury and Insurance Law. Referring attorneys will be able to match the leverage and knowledge of big corporate firms to advocate the interests of their clients. For the injured and referring attorneys, Bachus & Schanker, LLC is solidly committed to one goal: justice for all.

    Colorado’s Personal Injury and Accident Information Center

    When you or a member of your family has been harmed because of someone else’s negligent, careless or reckless conduct, it is difficult to know where to begin. At Bachus & Schanker, LLC in Colorado, we are here to help Personal Injury and accident victims. Our attorneys work on behalf of our clients to take the guess work out of the injury compensation process so that our clients can focus on what’s most important – healing. That’s what we strive to do. We are Colorado’s Injury Law Firm.

    Utica First Insurance Company #insurance, #utica, #small #business #insurance, #homeowners #insurance, #business #owners #insurance, #new #york #state #insurance, #connecticut #insurance, #massachusetts #insurance, #new #jersey #insurance, #pennsylvania #insurance, #ohio #insurance, #virginia #insurance, #umbrella #policy, #artisan #policy, #commercial #umbrella, #inland #marine, #boatowners #insurance, #restaurant #insurance, #landlord #insurance, #personal #umbrella



    Utica First Insurance Company, located near Utica, NY, is a regional property and casualty insurance carrier specializing in small contractors, restaurants, retail stores, offices, and homeowners insurance.

    Utica First Insurance Company was founded in 1903 as Utica Fire Insurance Company of Oneida County, NY to serve the property insurance needs of upstate New York residents. We have developed from that small base into a company which actively writes business in the states of New York, Connecticut, Massachusetts, New Jersey, Maryland, Ohio, Pennsylvania, and Virginia.

    Utica First products are offered exclusively through Professional Independent Agents and Brokers. Our product lines include Businessowner policies, small Artisan Package policies, and Homeowners policies, among others.

    For over 100 years, Utica First Insurance Company has been providing superior insurance protection to Homeowners and Businesses in the Northeastern U.S. We are a strong and stable Regional Insurance Company, rated as A (Excellent) by A.M. Best, with a proud tradition of customer service excellence.

    Online Artisan Survey – Click here to access the online survey

    Artisan policyholders can complete their required survey through our Online Artisan Survey. Artisan policyholders may also continue to call our Artisan Survey Unit at 1-800-456-4556 Option 1 to complete their survey.

    Online Bill Pay – Click here to make a one time payment!

    We accept payment by check, credit card, and debit card over the Internet. See our Billing Inquiry page for more information.

    RPTIA Personal Loans for Bad Credit – Apply Online Today #best #auto #loan #rates

    #auto loans for poor credit

    Personal Loans for All Credit Including Bad Credit

    RPTIA provide personal loan services nationwide and is recognized as one of the top leaders in the financial industry. When you need a small or a large loan you can rest assured that our services offer very competitive rates and unlike traditional lenders we specialize in sub-prime credit. Whether you have excellent credit and looking for the best possible loan rate or have suffered some credit dings you can get the financing you need very quickly.

    Our Programs Offer Personal Loans for People With Bad Credit

    If you have a poor credit history and feel intimidated about applying for loans you will be amazed with our easy and flexible programs available. We provide services nationwide and help literally thousands of people with bad credit each month. Traditional lenders and banks generally do not approve applications when a person has credit problems but our special financing programs are designed to provide you with bad credit personal loans at very competitive rates. Depending on your needs, our services offer loan amounts from a few hundred dollars up to several thousand dollars. Best of all, you can get approved for your loan using our instant online application.

    All Personal Loan Applications Are Processed Instantly

    The days of filling out the paper application and waiting days or weeks for an answer are long behind us now! When you apply for personal loans using our secure online application your request is processed instantly and once your loan is approved the money can we wire transferred into your account. We have developed a loyal customer following because our customers like convenience and they know with literally hundreds of programs available they will get the right loan at a great rate. Do not hesitate to apply for financing today in fear of your current credit standing because we specialize in personal loans for bad credit and those other tough circumstances such as self employment.

    What You Need to Qualify For A Personal Loan with Bad Credit

    • You Must Be At Least 18 Years of Age
    • Must Have a Steady Income
    • Have Proof Of Employment
    • Proof Of Residence

    If you can meet the basic requirements listed above go now to our online application to submit your loan request by clicking the button below.

    Loans With Bad Credit

    It’s Fast, free and easy

    The Automotive Advisor – Your Personal Auto Shopper #auto #incentives

    #auto shopper

    The Automotive Advisor LLC

    When you want the car, not the hassle.

    Shopping for your next car can be a very confusing and even intimidating task. Manufacturers boast they have the best vehicles and dealerships claim they have the best deals. Once you have narrowed the choices down, you still have to spend hours waiting at one or multiple dealerships. Maybe you will get a salesperson you are comfortable with, maybe you wont.

    Wouldn’t it be nice to have someone you could call that worked with your best interest in mind? Someone that did not represent a particular brand; but instead, a brand of service that makes getting your next car enjoyable. It was for that reason; The Automotive Advisor opened its doors and started helping people in Columbia and elsewhere in January of 2000.

    Locally owned and operated, The Automotive Advisor is a full service automotive shopping company that specializes in representing you during your entire purchase or lease. We advise you as to the reliability, safety and resale value of late model and new vehicles.

    Are you in the market for a new or pre-owned vehicle for you, your family or your business? Let The Automotive Advisor help you and see why most of our new business comes through referrals of our satisfied customers.

    Copyright 2001-2008 C3 Creative. All Rights Reserved.

    Home & Auto Insurance Santa Fe, NM #home #insurance #new #mexico, #auto #insurance; #car #insurance; #home #insurance; #homeowners; #health #insurance; #commercial; #personal; #best #coverage; #denton; #tx; #texas


    Get a quote from all the best insurance companies

    Or call and speak to an agent 505.717.3479

    Insurance in Santa Fe, NM

    Insurance Connection-New Mexico was founded in 2005. We started with the simple goal of providing insurance advice to families and businesses in Santa Fe and Albuquerque . Today, several thousand clients—individuals and companies—have discovered the easy way to make smart choices about auto, home, business, property, health and life insurance. Our office in Santa Fe in the Museum Hill area makes it easy for us to visit clients in Santa Fe and Albuquerque.

    What sets us apart from other agencies?

    A simple phone call outlining your needs will allow our staff in Santa Fe to make apples-to-apples comparisons between the insurance you have now and the same coverage offered by as many as 80 other top rated insurance companies. In other words, we do all the work finding you the best coverage and you usually save a bunch of money.

    Every Policy Is Reviewed Every Year

    We do at least one annual review for every policy holder, and more if our clients request it. At that time we reassess the your needs, adding coverage where necessary, maybe cutting back in other areas. Then we shop all of top insurance companies to make sure you are paying the best rates. We guarantee you will never pay too much for our insurance coverage.

    For more information about New Mexico insurance click on the links below

    Home really is where the heart is – so when any type of damage occurs to your home, it’s important to get it taken care of as soon as possible. If you live in Santa Fe or Albuquerque you deserve a homeowners policy that fits your specific lifestyle and home design. Not all homeowners policies are he same, we assist you in finding the type of coverage you require for the best price.

    Anyone who owns or leases a vehicle knows that auto insurance is a necessary part of driving. In fact, in New Mexico it is required that you carry this insurance in order to obtain a license. Our agent and staff in Santa Fe are knowledgeable about the subject and can walk you through the maze of policy features can make all the difference in the world. That’s the advantage of working with ICUSA.

    You focus on finding talent, winning customers and growing your business. We focus on enabling you to build a thriving business with confidence. No one wants to think about fires, thefts, lawsuits, or injured employees. Business insurance from the top companies like Hartford, Travelers and CNA can cover the unthinkable, so you can concentrate on your business. Insurance that Protects Your Accomplishments is what we provide. Call our local agent in Santa Fe at 505-717-3479

    If your company wants to attract and retain highly qualified workers, offering an attractive employee benefits package is one of the best ways to do so. Yet, with so much information available, it can almost seem overwhelming trying to narrow down which plan – and which provider – will work the best for you. Our local agents in Santa Fe will work with you in combining all of the right components that will make the benefits plan that you choose the one that is customized best to the coverage needs of your employees and your management team.

    Call or email Insurance Connection New Mexico for additional information or assistance.

    New Mexico Homes is the one of the top sites for New Mexico Real Estate. including Rio Rancho NM Real Estate. condos, multi families, and townhouses for sale. New Mexico Homes also services Texas Homes For Sale

    Security Clearance Lawyer – Security Clearance Attorney – Berry & Berry, PLLC #security #clearance #attorneys, #security #clearance #lawyers, #security #clearance #lawyer, #security #clearance #attorneys, #security #clearances, #clearance, #lawyers, #e-qip, #electronic #questionnaires #for #investigations #processing, #doha, #defense #office #of #hearings #and #appeals, #virginia, #maryland, #district #of #columbia, #washington, #d.c., #nationwide, #federal #employees, #contractors, #government #contractors, #sf-86, #e-qip, #electronic #personnel #security #questionnaire, #epsq, #statement #of #reasons, #sor, #hearing, #personal #appearance, #personnel #security #appeals #board, #psab, #recommended #decision, #department #of #defense #directive #5220.6, #polygraph, #confidential, #secret, #top #secret, #ts, #sci, #sensitive #compartmented #information, #special #access #programs, #sap, #sf-85, #questionnaire #for #non-sensitive #positions, #sf-85p, #questionnaire #for #public #trust #positions



    Employment and Labor

    Security Clearance

    Security clearances are an increasingly important requirement for federal government employees, employees of government contractors, military personnel and even private sector employees. Security clearance guidelines and standards over the past 10 years have changed, and the number of individuals who require access to sensitive or classified information has significantly increased. In addition, the federal government has required employees who already have security clearances to upgrade their security clearance levels. The process of obtaining, retaining and upgrading a security clearance over the last several years has become more complex due to the security concerns of the United States Government. Our firm serves as security clearance lawyers for individuals encountering difficulties or questions in the security clearance process. We belong to the Security Clearance Lawyers Association.

    Security Clearance Application Process

    All employees whose positions require access to sensitive information or restricted areas are required to complete an application form known as the Standard Form 86 Questionnaire for National Security Positions (SF-86) or Electronic Questionnaires for Investigations Processing (e-QIP ). Providing information in the SF-86 or e-QIP is voluntary; however, completing the form truthfully is critical to the process of successfully obtaining a security clearance. Once a security clearance application is completed, it is generally submitted to the Defense Security Service (DSS), the individual federal agency s security clearance review office, or the Office of Personnel Management (OPM) for a review and determination.

    Public Trust/Suitability Investigations

    Federal employment positions often include important duties that do not require a security clearance but are sensitive in nature. For instance, included in public trust positions are certain types of federal police officers, comptrollers, and public safety and health workers. These positions are referred to as public trust positions. They are subject to background investigations, which include a National Agency Check and Inquiries (NACI) review, and potential personal interview and reference checks.

    Our law firm also represents and advises individuals in the related area of suitability and public trust positions, which derive from an individual s completion of the SF-85 (Questionnaire for Non-Sensitive Positions) and SF-85P (Questionnaire for Public Trust Positions).

    Security Clearance Investigations

    The U.S. Government conducts background investigations and reinvestigations of individuals under consideration for a security clearance or for the retention of their security clearance in national security positions. Applying for a security clearance requires an employee to undergo a comprehensive background investigation into all aspects of his or her personal and professional history. The investigation includes interviewing the applicant, checking state and federal criminal databases, and interviewing other persons. An employee’s full cooperation with all aspects of the investigation is a requirement in order for him or her to obtain a security clearance.

    If a federal employee or government contractor employee’s initial application is denied, or his or her existing security clearance is revoked or suspended, he or she will be issued a Statement of Reasons (SOR) or will be provided a notice which outlines the reasons why the security clearance was not granted or continued. When the Defense Security Service (DSS), the individual s federal agency security office, or the Office of Personnel Management (OPM) denies an employee’s security clearance, there are procedures or provisions that allow the employee or government contractor employee to appeal the decision, such as a hearing (often referred to as a personal appearance) before the employing agency or the Defense Office of Hearings and Appeals (DOHA) to adjudicate his or her security clearance matter.

    Federal employees have the right to appear in person before an administrative judge in a hearing (or other clearance adjudicator) and respond to the allegations in the SOR. Following such a hearing or personal appearance, the administrative judge or adjudicator will issue a recommended decision to the federal agency s personnel security appeals board (PSAB), which will issue the final determination on the federal employee s security clearance. Government contractor employees in DoD cases have the right to a hearing before a DOHA judge. In cases involving DoD government contractors, the administrative judge will issue the initial ruling as to whether the security clearance is granted. A contractor then has a right to appeal an adverse decision to the DOHA Appeal Board.

    Intelligence Agency Security Clearance Holders

    Our firm represents security clearance holders and applicants before federal intelligence agencies, governed by Intelligence Community Directive 703 and Intelligence Community Policy Guidance 704.2 such as the National Security Agency (NSA), Central Intelligency Agency (CIA), National Reconnaissance Office (NRO), National Geospatial-Intelligence Agency (NGA), the Defense Intelligence Agency (DIA) and others.

    Berry Berry, PLLC are security clearance attorneys that handle federal employee and federal contractor security clearance and public trust matters throughout the United States.

    Our experienced attorneys have assisted numerous federal government employees, military personnel, and government contractors in all stages of the security clearance process by providing legal advice or representation. In addition, our attorneys are familiar with the significant differences between individuals seeking security clearances for use as federal employees and individuals seeking security clearances for use as federal government contractors (i.e. industrial security clearances under Executive Order 10865 and Department of Defense Directive 5220.6).

    Our attorneys can advise employees on areas of the SF-86, e-Qip or other related security clearance documentation that require additional care and attention. Our attorneys can also provide advice or guidance in the application, interview and polygraph processes for any security clearance levels such as the following:

    • Confidential, Secret or Top Secret
    • Sensitive Compartmented Information (SCI)
    • Special Access Programs (SAP)

    If a security clearance is denied, our experienced attorneys can represent the employee through the appeal process before the DOHA, the DSS or the federal agency processing the clearance. It is important that an employee takes the appeal process very seriously as the inability to obtain, maintain or upgrade a security clearance at the appellate stages can mean the loss of his or her position.

    Please contact Berry Berry, PLLC to schedule a consultation with a security clearance attorney if you are submitting an initial security clearance application (SF-86), undergoing a background investigation, or having your security clearance denied or revoked.

    Some helpful articles on our website discuss various issues within the security clearance process:

    Meeting with Security Clearance Investigators

    The Importance of Properly Completing Security Clearance Forms

    Polygraph Examinations for Federal Employees and Contractors

    Responding to the Statement of Reasons (SOR)

    The Whole-Person Concept for Security Clearance Cases

    Seeking Information Regarding Security Clearance Incident Reports

    A Summary of the Security Clearance Appeal Process

    Requesting Reconsideration After a Security Clearance is Denied

    Also, please visit our Security Clearance Blog where we discuss current security clearance issues affecting federal employees and government contractors and security clearance specific law firm website at

    Program for Leadership Development #leadership #development #program,high #potential #leaders, #pld,leadership #training,harvard #business #school,hbs,executive #education,pld #alumni,comprehensive #leadership, #alumni #status, #leadership, #personal #leadership, #analytics, #tools, # # #techniques, #financial #management, #global #strategy, #marketing #strategy, #general #manager, #mid-level #manager, #mid-level #executive, #general #manager, #mid-level #manager, #mid-level #executive, #high #potential #leader, #marketer, #young #executive, #top #performer, #michael #l. #tushman, #john #t. #gourville, #gary #p. #pisano, #eugene #f. #soltes, #rohit #deshpandé, #tsedal #neeley, #dennis #a. #yao, #kathleen #l. #mcginn, #j. #gunnar #trumbull


    Program for Leadership Development

    Focused on leadership, change, and innovation, PLD empowers you to take on the cross-functional responsibilities of corporate leadership. Its highly integrated approach broadens your understanding of core operations and best practices, and deepens your confidence to lead high-performing global teams and cross-functional initiatives. With a broader grasp of management, you will return to your organization ready to identify problems, formulate solutions, and adapt to global market shifts.

    Focused on leadership, change, and innovation, PLD empowers you to take on the cross-functional responsibilities of corporate leadership. Its highly integrated approach broadens your understanding of core operations and best practices, and deepens your confidence to lead high-performing global teams and cross-functional initiatives. With a broader grasp of management, you will return to your organization ready to identify problems, formulate solutions, and adapt to global market shifts.

    A highly immersive learning experience, PLD accelerates your personal and professional transformation by combining two on-campus and two distance-learning modules. A fifth optional two-week session provides the opportunity to achieve HBS alumni status and gain exclusive access to a wealth of resources and a powerful global network. Through a personal case study and professional one-on-one coaching, you will develop a personal action plan for tapping new sources of revenue and navigating global market shifts.

    A highly immersive learning experience, PLD accelerates your personal and professional transformation by combining two on-campus and two distance-learning modules. A fifth optional two-week session provides the opportunity to achieve HBS alumni status and gain exclusive access to a wealth of resources and a powerful global network. Through a personal case study and professional one-on-one coaching, you will develop a personal action plan for tapping new sources of revenue and navigating global market shifts.

    This leadership development program is ideal for specialists and star contributors who have at least 10 to 15 years of work experience and are considered to be outstanding prospects for increased leadership responsibilities within their organizations. Your PLD peers will represent diverse business functions, companies, industries, and countries, further broadening your perspective and expanding your knowledge.

    This leadership development program is ideal for specialists and star contributors who have at least 10 to 15 years of work experience and are considered to be outstanding prospects for increased leadership responsibilities within their organizations. Your PLD peers will represent diverse business functions, companies, industries, and countries, further broadening your perspective and expanding your knowledge.

    Completing PLD’s four core modules puts you on the path to achieving HBS alumni status. By completing PLD Module 5 or additional coursework, you will gain exclusive access to our global alumni network and a vast array of resources that facilitate lifelong learning, growth, and success.

    Across countries and industries, forward-thinking companies are fueling a pipeline of next-generation executives who can position the organization for future success. PLD provides emerging leaders with an end-to-end view of business and a broader understanding of the global marketplace. You will return to your organization with the leadership mindset, confidence, and skills to take on new challenges and move on promising opportunities.

    HBS Executive Education programs are taught by full-time faculty from Harvard Business School whose business expertise and field-based research create the enduring concepts that reshape global best practices and reinvent the practice of management.

    At PLD, you will meet recognized thought leaders, skilled educators, groundbreaking researchers, active corporate board members, and award-winning authors. They will empower you to become the visionary leader your career, your organization, and the global economy demand.

    Paul R. Lawrence MBA Class of 1942 Professor of Business Administration. Member of the Organizational Behavior Unit; and faculty chair of “Program for Leadership Development” and “PLD Module 5”; and faculty cochair of “Leading Change and Organizational Renewal.”

    Compare the key features of Harvard Business School’s four comprehensive leadership programs—the Owner/President Management program, the Advanced Management Program, the General Management Program, and the Program for Leadership Development.

    A limited amount of partial scholarship funding may be available for qualified applicants from not-for-profit organizations. To be considered, you must complete and submit your application and include a request for funding. For more information, please contact Ms. Lisa Hughes. Portfolio Director.

    The Admissions Committee meets monthly and admits qualified candidates on a rolling, space available basis. Early application is strongly encouraged. Although there are no formal educational requirements, proficiency in written and spoken English is essential. Because Executive Education programs enhance the leadership capacity of the participants as well as their organizations, HBS expects the full commitment of both. While participants are attending a program, sponsoring organizations agree to relieve them of their work responsibilities so that they can fully focus on the learning experience.

    The Admissions Committee meets monthly and admits qualified candidates on a rolling, space available basis. Early application is strongly encouraged. Although there are no formal educational requirements, proficiency in written and spoken English is essential. Because Executive Education programs enhance the leadership capacity of the participants as well as their organizations, HBS expects the full commitment of both. While participants are attending a program, sponsoring organizations agree to relieve them of their work responsibilities so that they can fully focus on the learning experience.

    Programs, dates, fees, and faculty are subject to change.

    In accordance with Harvard University policy, Harvard Business School does not discriminate against any person on the basis of race, color, sex or sexual orientation, gender identity, religion, age, national or ethnic origin, political beliefs, veteran status, or disability in admission to, access to, treatment in, or employment in its programs and activities.

    Phoenix Accident Lawyer #person #injury #attorney,filing #a #personal #injury #claim,personal #injury,


    Phoenix, Arizona Accident and Personal Injury Law

    Personal injury is a serious matter and you need the right representation to ensure your rights are protected. Have you been injured due to the negligence of a driver, business or property owner? A successful personal injury claim could provide you with compensation to pay for medical costs, lost wages and pain and suffering. Simon Law Group will represent your case, including filing a personal injury claim.

    Focusing on Personal Injury Accident Clients

    The Simon Law Group represents people in all walks of life throughout the metropolitan Phoenix area. We pride ourselves in obtaining the best results for ourinjury and accident clients . The Simon Law Group enjoys an excellent reputation within the insurance industry because of our thoroughness, integrity, honesty, and professionalism. Many other attorneys claim to be experienced, yet they fail to follow through. Our Phoenix Law Firm has handled hundreds of civil trials of all types. The Firm s Partner has over 30 years of legal experience!

    The Simon Law Group Experience Matters. Call today 480-745-2450 or click on our Contact Our Firm and we ll respond to you email right away!

    Click on Firm Overview to see our extensive qualifications.

    Personal Injury Tips Testimonials

    Phoenix Accident and Personal Injury Law

    Expert accident and injury lawyer serving all of Arizona including Tempe, Mesa, Phoenix, Scottsdale, Glendale, Chandler, Gilbert. Simon Law Group maintains an excellent reputation throughout the insurance industry because of our aggressiveness, integrity, honesty, and professionalism.

    Phoenix Family and Divorce Law

    Divorce attorney specializing in custody and family law, Child Custody, Alimony, Spousal Support, Property Distribution, Child Support and more, serving all of Arizona including Phoenix, Scottsdale, Glendale, Gilbert, Chandler, Mesa, and all the rest of AZ.

    Arizona Motorcycle Injury Law

    Motorcycle Accident & Injury Lawyer in Phoenix, Arizona. The expert help in Phoenix motorcycle accident law and defense, serving all of Arizona including Cave Creek, Phoenix, Scottsdale, Glendale, and all the rest of Arizona.

    Home Refinance, Home Purchase, Reverse Mortgage, Personal Loans, Auto Loans, Credit Cards, Auto Insurance, Life Insurance #auto #calculator

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    Reverse Mortgage

    Seniors over 62 may use their home equity to get cash through a reverse mortgage.

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    You might be able to save big on auto insurance by changing providers. fill out our 3 minute form to find out.

    Life Insurance

    Get peace of mind knowing that your family will be provided financial security when they may need it most.

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    About Us is a premier, free online service for consumers to compare low rates on monthly bills and reduce the cost of living. is the one-stop destination that offers savings through relationships with more than 500 service providers across multiple categories, including home loans, credit cards, auto and health insurance, and long-distance and wireless services.

    With, consumers can easily research, compare and lower many of their monthly bills, free of charge. The free services works by enabling consumers to enter particular information which then is used to match them with companies that can meet their needs. offers savings via more than 500 service providers across multiple categories, including home loans, auto loans, personal loans, credit cards, and auto and life insurance.

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    Credit Union of New Jersey – Personal – Loans – Auto – 0% Financing #auto #leasing #companies

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    0% Financing

    We Beat 0% Financing!

    Can Zero Percent Financing Be The Best Deal?

    You can do better!

    When purchasing a new vehicle you face many choices. The most difficult choice is often financing. However, you have options!

    It has been commonplace in the automotive industry to offer special rebates. We are bombarded with television commercials from auto dealers offering us 0% and .9% auto loan rates. Sounds good, right? The answer is a definite maybe. In many cases, the average auto buyer won’t be offered those special rates. And even if you can qualify, you can often do better by taking the cash rebate and financing at Credit Union of New Jersey. If we can’t beat it, we’ll tell you.

    Who gets the special rates?

    According to a Consumer Task Force for Automotive Issues survey, less than 10 people out of 100 who financed at the dealership got zero percent rates. Such rates are used to entice you to go to the dealership, but few consumers actually get them.

    Why didn’t they get it? Since the dealerships make no money on this rate, they generally do their best to switch people to higher rates. How do they do that? “Oh, you don’t qualify for that rate. Uh, and that rate doesn’t cover that specific vehicle.” Who determines who qualifies? The dealerships. Who determines if the vehicle actually qualifies for the rate? The dealerships.

    If you look at the fine print on recent 0% offers, you’ll see such language as this.

    • For qualified buyers
    • For well-qualified buyers
    • Residency and other restrictions may apply
    • Most buyers will not receive this special rate
    • Not available in all areas
    • Not available on these models
    • See dealer for details

    These disclaimers give dealers a way to steer you away from the special offer into something more lucrative for them.

    Can you do better than zero percent?

    If a rebate is offered as an alternative to 0%, the answer is often yes! To do so, you’ll need to apply the rebate as a down payment on the vehicle. Look at the two examples below with a $3,000 rebate. At CUNJ’s current rate for members with the best credit, you can do better. See for yourself.