The Dangers of an Adventurous Significant Other

My girlfriend loves heights, not me.  But, because she loves them, much like Taylor Swift concerts, I grit my teeth, put on a wonderfully fake smile, and go along with her because that is what one does in relationships.  I pretend that I like these things, but she probably knows better because she is smarter than I am.  As of late, she has been saying that I am not spontaneous enough for her.  Well, how’s this for spontaneous?

I am going to propose to her at the very top of the highest spot of her favorite nearby mountain range.  This is a full proof plan because I will not have to worry about getting scared when I am looking down because I won’t be looking down.  I will be looking at her.  And, she will never suspect a thing because she will be too busy being astonished that I, without any prompting from her, suggested doing this.  I cannot lose here.  

So, we’re at the top of the mountain.  Everything’s perfect.  It’s a nice sunny day with no wind for me to be afraid of blowing me off the mountain.  We’re both wearing our matching, embroidered tracksuits.  I lean up against the railing, get down one knee.  However, she thinks that I need to tie my shoe, so she doesn’t think anything about it until she sees me bring out that big sparkly circle.  Then, for some reason, this prompts her to get down on my level, while getting excited, which, that part I understand.  She’s leaning on me.  We’re both crying.  I’m about to ask.  And then, we both start to fall.  I would later be told that the guardrail that we were unintentionally leaning against had given way, causing us both to fall down the mountain. I learned that we’d be able to sue the park for negligence. I also lost my very expensive engagement ring somewhere along the way.  I don’t know how far we fell.  I just know that the next thing I knew was that I was in a hospital with both feet and arms in the air, like both my legs and my arms were broken.  

She was in the bed next to me with similar injuries.  Between the two of us, several ribs were broken, among other things.  Probably, the only reason that we weren’t both dead was that, at some point, we must have landed in some sort of pool, or decent sized stream.  

While this will be something that we laugh about and cry about for some time, she still blames me for all of this, even though she loves me.  She’s still a little mad that I did not propose again for some time, which she eventually said yes to, because I wanted to wait so that I could get down on one knee and do it properly.  

And, as for an engagement gift, my future in-law lawyers sued the park that the mountain is located in for damages, both punitive and otherwise, and the money for a new engagement ring, as well as money for physical therapy and to cover hospital expenses.  That was a long and painful way to go just for a proposal.  

The Ohio State Fair: Enter With Caution

State fairs are meant to be a place of family-friendly fun where a large community can come together. So many kids across the US have fantastic memories associated with local festivals. Parents jump at the opportunity to spend time with their children at these fairs. The rides promise thrills and excitement to festival-goers of all ages. Distinctive fair foods such as hot dogs, pretzels, and funnel cakes lend a special, holiday atmosphere to the event. Folks travel for hours to attend state fairs with friends, kids, and spouses. Everyone knows that these events are supposed to entertain–and that they’re supposed to be safe.

State fair safety isn’t just a general, moral necessity. It’s also a legal obligation. When park officials don’t make sure that rides are up to code and food products meet safety requirements, people can get seriously injured. Especially since these fairs tend to be quickly assembled annually, it’s important for managers to attend meticulously to safety. If attendees are hurt at the fair, and the accident should have been prevented, a court of law might hold the fair legally liable. Victims might be able to receive financial compensation for their injuries. Tragically, some victims do not survive to get that monetary recompense.

In July, the Ohio State Fair was the site of an unspeakable disaster. The spinning Fire Ball ride attracts thrillseekers who want a fast, whirly, exciting time. It was designed to swing up to 24 passengers back and forth in pendulum style while making 13 revolutions per minute. The popular attraction was supposedly checked multiple times before the fair opened. But it wasn’t enough. Tyler Jarrell and his girlfriend Keziah Lewis were together at the fair and boarded the ride. Another fair attendee was taking video of the ride when it basically came apart. A section holding four people detached and people plummeted to the ground. Tyler was thrown fifty feet and was pronounced dead at the scene. His girlfriend survived, but with serious injuries to her hips, her ankles, and her ribs.

While nothing can bring Tyler back to his friends and family, the law does provide some legal recourse for the people he leaves behind. Tyler’s mother is currently pursuing a wrongful death lawsuit against the fair and the ride manufacturers. She wants the suit to force fairs and other amusement parks to take more care so that innocent, unsuspecting attendees are not hurt or killed. Her lawyers are currently investigating the accident, and the Governor of Ohio has shut down the fair’s rides until they can be further maintained and looked over.

The investigation will involve cooperation among a number of various state organizations including the Ohio State Patrol, the state of Ohio, and the city of Columbus. Everyone wants to know whether the state fair neglected existing safety requirements or whether the current safety requirements are insufficient. Hopefully this case will result in state fairs meeting higher, better standards for their patrons.

Buying and Selling Securities without an Investor’s Prior Consent is Unauthorized Trading

In conducting business, financial advisors naturally encourage investors to believe in them, since advisor-investor relationships, first and foremost, require trust and confidence – the foundation of a successful business relationship.

When establishing a relationship with a financial advisor for investments, however, it is necessary for an investor to set and make clear to the advisor his/her investment objectives, and risk tolerance level since these will serve as the advisor’s bases in determining the best financial strategy for the investor.

A financial advisor should never execute trades in an investor’s accounts without the latter’s expressed permission. Though he/she can freely make recommendations, it is only the investor who can make the final decision if trading will take place. In certain cases (though very rare), investors provide a written discretion, giving financial advisors permission to trade without prior approval for each trade. Not only does the law require a financial advisor to obtain an investor’s permission before making any transaction, but if he/she does this, then he/she can be accused of unauthorized trading.

Financial advisors buying and selling securities without an investor’s prior consent may be trying to defraud clients even if they believe they’re acting in their investor’s best interests. To guard against unauthorized trading, the Financial Industry Regulatory Authority (FINRA) requires advisors to regularly send their investors statements that document transactions in an account. These notifications are supposed to allow investors to track the trading of their securities. However, not all investors review their monthly statements, creating an opportunity for financial advisors to trade on their behalf without their permission and without them noticing.

Unauthorized trading is one way a financial advisor can harm a client. To avoid being a victim of this illegal act, it is necessary for investors to read their account statements thoroughly. Wise investors read and retain all transaction notifications and confirmations. Ignoring these papers can result in failing to notice suspicious activity right away.

In the event that an investor suspects unauthorized trading, he/she should know that the sooner he/she files a claim of unauthorized trading in his/her account, the better his/her chances of winning an arbitration case. A skilled unauthorized trading attorney can also help recognize signs of unauthorized trading and other forms of broker misconduct in his/her account and give him/her professional legal advice moving forward.

Advantages of Contested Divorce

Uncontested divorce has its obvious benefits. The legal process is faster because the parties involved agree on the divorce and its terms. Since the parties agree, there are very few issues that could arise, minimizing the need for lawyers and their fees. Uncontested divorce also result into less hard feelings between the couple because they can part ways peacefully.

Contested divorce, on the other hand, can be very stressful because of disagreements, such as in terms of child custody and support, division of properties and liabilities, and even alimony. But according to the website of the Maynard Law Firm, PLLC, a contested divorce may be the only means you have to resolve such matters.

Your voice will be heard
Contested divorce can be too adversarial, but it may be necessary so you can express your arguments against the disagreements with your partner. It can be time-consuming, but the endeavor is worth it if it means that your voice is heard and you can fight for what you believe is just.

There is no bias
The husband and wife will do everything for his or her best interest, and sometimes, the terms of the divorce may swing on their side. In a contested divorce, you can challenge the agreements to make it more equal. What makes this better is the fact that the court is unbiased and will hear your arguments before coming up with a legal decision.

You get what you rightfully deserve
Fighting for what you think is right and getting legal help is almost a surefire way to get what you deserve in a divorce. Your arguments regarding your financial standing can help you gain custody of your child, give less child support and alimony, and get more properties and liabilities, especially if you truly deserve those things. You cannot say the same for uncontested divorce, where a party will have the tendency to give up more just to avoid the hassles of the legal process.

Claiming Short Term or Temporary Disability Benefits in North Carolina

There’s no way to tell how going through a workplace injury may affect your life. Injuries like carpal tunnel or fractures due to falls require plenty of recovery time, leaving you unable to work and earn a living for the meantime. Depending on the severity of your injury, this recovery time might last longer than you’re able to afford. Fortunately, the complications of suffering from a workplace injury can be easily solved by looking into some of your legal options. In North Carolina, you have the option to claim for short term or temporary disability benefits to cover the expenses related to your injury.

According to Raleigh workplace injury lawyers, the state of North Carolina awards temporary disability benefits to individuals that are prevented from working boy certain short-term injures. Through the Social Security Disability Insurance, you will be able to receive 2/3 of your daily wage after being unable to return to work for over 7 days. If 21 days have passed and you still haven’t fully recovered to return on the job, you might be able to receive additional compensation for the first 7 days of work you missed. The rules differ slightly if your injuries prevent you from performing certain tasks but are able to return to work initially after your accident. In these cases, you will be eligible to receive 2/3 of the difference between your usual and deducted wages for. These payments will be awarded to you for up to 300 weeks.

Workplace injuries can be a serious cause for concern. It could take a significant amount of time before you’re able to return to work and earn an income. Fortunately, the law provides avenues for individuals vulnerable to all types of accidents in their workplace. Do not hesitate to contact a qualified legal professional to learn more about disability benefits and other similar options.

Factors That Can Affect Your Auto Accident Claims

Auto accidents can happen anytime. No matter how disciplined you are but the behavior of other drivers can still put you at risk of getting injured in a collision. According to the website of the Bruner Law Firm, the negligence of drivers can instantly change our lives. The good news is that you can make the other driver liable for the injuries that you will incur.

By being able to prove the liability of the other driver, you can have an opportunity to recover damages. However, this will not be easy as the court will consider several factors that can impact your auto accident claim. Likewise, the insurer of the defendant will not easily give in that their customer was the one responsible for the accident. Here are some of the factors that will affect your claims:

1. The Consistency of Your Narration

Consistency will be the name of the game as you aim for the maximum amount of your car accident claim. You will be questioned several times by the defense so make sure to stick to what you are saying. If you do not remain consistent, chances are they might find some loopholes in your testimony and the amount of your claim may not be what you sought for.

2. Stability of Your Evidence

Your testimony will only be considered a hearsay if you do not back it up with solid evidence. This will make your claim stronger. For getting desired results, you may want to have as many documents as possible to support your statement.

3. Medical Opinion

Aside from documentation, the opinion of your doctor will also count on your car accident claim. The defense will try to overturn your complaints and say that you are just exaggerating. Your doctor will confirm and verify the truth to your aches and pains.

4. The Limitations of Your Policy

The terms stipulated in your insurance policy will greatly affect the amount of settlement. To maximize the total amount of your claim, you need to convince the judge that your costs were reasonable and necessary and that you are in great pain and suffering.

These factors can have a huge impact on the amount of damages that you can recover from the car accident.

Adult Daycare: The Best Alternative to Retirement Homes or Senior Apartments and Nursing Homes

Everyone has his/her own specific physical, emotional, social and mental needs. Consider your senior family members then you have to add to this list of needs, extra care and probably even medical attention. While some family members choose to be their own senior or sick loved one’s caregivers, they are prevented from providing full time care due to work, which will enable them to earn and pay their too many bills. Sending their loved one to a nursing home facility also may not be possible due either to the costly monthly fees or because they have not actually prepared for it, thus, the absence of a long-term care insurance or the failure to qualify to Medicare or Medicaid.

There is another way to provide your senior or sick loved one all the care and attention that he/she needs, though; one that does not require family members to quit from their job: by sending him/her to a facility or center where adult day care programs are observed.

Adult Daycare is a program that does the following:

  • Promote seniors’ well-being through well planned and designed health-related and social services
  • Give caregivers the rest or break they need to allow them to attend to their personal needs, rest or relax
  • Provide relief for family members who cannot stay with their loved ones during the day

With the intent to improve every participant’s quality of life, the program provides a community-centric atmosphere, where physical and mental activities, and the development or recognition of skills, are emphasized. These activities include games, exercises, group discussions, dancing, gardening, educational classes, painting, puzzle solving, and many others.

To provide quality care, Adult Daycare centers have staff members, registered nurses, dietitians, trained program directors, and community volunteers who are all trained to provide attention, medical support and companionship, besides creating programs that ensure fun, enhance cognitive skills, improve memory, and strengthen muscle functions – all for the enrichment of the mind and the body. Other services are directed to the participants’ personal needs, thus, these include grooming assistance, speech or physical therapy needs, medication management, and others. Availing of additional services, however, requires paying additional fees.

The daily state median of Adult Daycare centers range from $25 to $135 (depending on the state). Besides the extra fees due to the additional services mentioned above, there are also extra fees for additional medical care, meals and snacks, and transportation to and from the daycare center.

Seniors with a lower income may enjoy the benefit of paying less for adult daycare (this is usually offered in non-profit daycare centers). Additional help may also be availed by using public benefits, such as Medicaid (but which requires meeting certain criteria for one to qualify), and benefits provided by the Department of Veterans Affairs. Other than these, families and the senior concerned will have to use their own savings or employ private means, such as using social security or retirement benefits.

Bike Accidents

Bikes are prone to accidents when there are unforeseen and abrupt changes on the surfaces of the road. These dangerous road conditions can make even the most cautious and experienced cyclist to lose control, fall, or swerve to another motorists’ path. When the cause of a bicycle accident is brought about by a road hazard, the party that could be held accountable is the city, state, county, or other government agency charged with maintaining the road. There are different types of road hazards that cyclists can encounter, and the government agency’s liability will depend on the cause of the accident and the actions (or inactions) they have done to prevent or fix the problem.

Three general causes of bicycle accident involve sewer grate, potholes, and railroad and trolley tracks. Sewer grate that go in the same direction as the traffic does can trap tires between them. Just as with any motorist or citizen, a cyclist has right to a safe road, and there are easy and economical ways to fix the problem. Potholes, on the other hand, can be due to two reasons: inferior temporary fixes and long-term road wear-and-tear. Poor road maintenance that resulted to cracks or sinking road that were either not given proper warning signs or was not properly fixed after a significant amount of time can make the liable for injuries that resulted from the accident. As for railroad or trolley tracks, they should be properly labeled to warn cyclists of their danger, or if they are not used, the government should have them removed or covered to prevent accidents.

Proving liability is what is important in winning a personal injury claim, especially when the party at fault is a government agency. Visit the website to learn more about these kinds of claims.

The Tragic Reality of Nursing Home Abuse and Negligence

Nursing homes play a crucial role in American society. After all, it is through these facilities that a huge majority of elderly individuals are able to have access to the medical care and attention they need. It’s not uncommon for families to lack resources and be unable to provide the proper attention needed by their elderly loved ones. As such, plenty of Americans look at nursing homes as the best option in making sure that their loved ones will be properly looked after and taken care of. Unfortunately, the reality that takes place inside nursing homes paints quite a grim picture.

It is a tragic fact that incidents of nursing home abuse and negligence are rampant in the United States. According to the Department of Health and Human Services, over 2 million elderly individuals had fallen to abuse in the form of physical harm, emotional manipulation, and psychological exploitation. The majority of these cases are known to have occurred in institutions and facilities that are meant to be a place of trust and care.

The most alarming thing about nursing home abuse is that it can very difficult to detect. Indicators of nursing home negligence can easily fall under the radar. It takes close observation to really see the signs that point to the fact that a nursing home resident is in danger. According to the website of Habush Habush & Rottier S.C., issues such as dehydration, malnutrition, improper hygiene or sanitation, bed sores, and inadequate staff assistance can point to more alarming incidents of neglect and abuse. Overmedication and undermedication are a sign that there might be a larger problem at hand.

All in all, families are advised to be on the lookout for unexplained injuries such as bruises and cuts when visiting their elderly loved ones in nursing homes. Signs that point to their deteriorating condition can also be an indicator that some form of abuse is happening behind the scenes. It’s also crucial that visiting family members are sensitive to changes in their loved one’s personality.

If your loved has suffered due to nursing home abuse and negligence, do not hesitate to take appropriate legal action against those responsible for the trauma they have experienced.

How Offshore Outsourcing Can Be Helpful to Small Businesses

Running a small business is no easy feat, especially if your brand is just starting out. According to the website of the Pinoy Partners Outsourcing Center, there will be certain limitations that will require a business owner to stretch out the little resources he or she can manage. Most of the time, the small number of employees will have to juggle different tasks to ensure that the business is moving forward according to plan. These tasks can quickly become overwhelming and the employees at hand might not be enough to ensure they are all properly accomplished. The best way to solve this dilemma is through offshore outsourcing.

Offshore outsourcing can be extremely beneficial to a small business. Both business owners and their employees can return to focusing on tasks that are in line with the organization’s main objectives while leaving tangential tasks to competent hands abroad. Through offshore outsourcing, small businesses can make the most of their workforce by allowing them to focus on their brand’s core competencies because offshore specialists will be able to take care of the peripheral tasks required to keep running the business operation.

One of the most important ways offshore outsourcing can be beneficial for small businesses is the fact that it’s the best option for those with tighter budgets and similar financial constraints. Specialists from countries leading in outsourcing services cost significantly less compared to those working within the United States. Companies from India and the Philippines have proven to be reliable for many American businesses looking for assistance, especially in IT-related tasks, customer support services, and even SEO marketing and web development.

Another key consideration to made when opting to work with an offshore outsourcing center is if the company in question specializes in assisting smaller organizations. Outsourcing isn’t a technique used by just the big companies anymore. While majority of these companies work with larger companies and corporations, there are some that primarily focus on providing quality work for small businesses.

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