Sweating Over My Business Bills

When I opened my shop three years ago, I was positive I’d found my niche, and I was destined for success. I suppose that’s the euphoria every business owner feels when the loans have come in and the forms are all signed and the doors finally open on a dream.

I was sure my town needed an upscale bike shop. After all, the town had just put in new bike lanes, new bike trails in the parks and the state was on a real health kick. I was laughing to myself at how clever I was to open my shop right at that moment in history.

I’ve always loved bikes, even when it wasn’t a popular thing to do. From the moment I got on a bike as a kid, I’ve loved it. I biked to college. I biked to work. I still bike to work, in fact. Hopefully, I’ll keep biking to this job for years to come, although I’m worrying more now.

It seems that people do love biking in this community, but they are perfectly content with the cheap options sold in all the supermarkets. I get a few hipsters who come in for bike repairs or to window shop, but I don’t get nearly the business that I expected, or that the bank expected either.

The bills are piling up, and I’m feeling a bit desperate now. I’m researching Chapter 11 bankruptcy right now, and I guess that’s my best option, although I feel pretty humiliated going through that. I was expecting to be funneling money towards another shop by now, not pleading with investors to give me a little room to breathe.

Was I wrong to go all in on this business? It feels like it right now, and yet, deep down, I think there’s still money to be made. Maybe people had to buy that first cheap bike to really get a love for biking again, and now they’ll head my way for an upgrade. If I can hold on until spring, I intend to run some ads and offer some great deals in order to get people here just when the weather turns nice and the streets are completely clear.

But then, I’ll need to find the money to make it that far, and the money to run ads, and where am I going to find that?

It’s a depressing situation to be in, so I think I’ll go ahead and go out for a ride and think it over some more before coming to a decision. Maybe I can attach a little advertisement flag to the back of my bike and get some interest. Or I could start a fundraiser to bike across the state…just thinking about going out and riding is already getting my mind spinning again.

Yeah, I’m actually feeling much better about the whole thing all the sudden. Chapter 11 or not, I can get this business going again. People love bikes, I just have to remind them to buy a good one.

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Motorcycles and Accidents on the Road

Motorcycles are a prevalent method of transportation in the United States and other places around the world. These two-wheeled machines are beautiful products of engineering that allow their operators to commute with lower fuel and maintenance costs. Since their invention, motorcycles have been viewed as dangerous by some, largely due to. the lack of protective exterior for the driver, which invites the potential for serious injury to occur in the event of an accident. The design of motorcycles, which makes them marvels of engineering, also is the main reason for their frequent involvement in very serious accidents on roads and highways. Motorcycle drivers must be cautious and remain aware of their surroundings to prevent possible injury or accident.

While the motorcycle did not originate in the United States, it has undoubtedly remained popular in the American auto industry. According to a great piece in Wired magazine, the motorcycle was crafted by a group of German inventors in 1885, the motorcycle has been redesigned countless times to accommodate for future tastes in style. I will suggest that if this invention has been redesigned and outfitted with new technology over and over since its inception than perhaps it is indeed long overdue for a new design that ensures safety for the rider and possible passengers. The nature of many motorcycle riders is a life of thrill seeking, adrenaline pumping spirits that feed off of the wind in their face as they glide over the road at high speeds while entirely exposed to the road. In essence, motorcycle drivers do an excellent job at becoming “one with the road.” They have virtually no protection from the road or other cars in the event of a crash. Some motorcyclists even ride with no safety gear whatsoever, and somehow this has been deemed acceptable by the culture surrounding these machines.

Motorcycles, by design, are susceptible to the possibility of being involved in a roadway accident. Their slim nature allows them to quickly reach high speeds with very little to protect them if things go badly. Due to high rates of distracted driving from automobile operator’s, these motorcycle riders are even more in danger of being involved in a serious collision. Reckless drivers, negligent drivers, and even drunk drivers pose the greatest threats to motorcyclists around the country. If a motorcycle rider is involved in a serious accident and requires medical attention, they could be eligible for compensation for their medical bills, lost wages, loss of the ability to work, and other damages.

If the rider or other drivers on the road fail to observe the proper safety precautions, a serious injury accident can occur. All-too-often, motorcycle accidents (especially those at high speeds) can result in serious injury and even death to the rider. If this accident was caused by the reckless or negligent actions of another driver, or if the driver was intoxicated at the time of the accident, the rider or his or her family may be able to take legal action. Only an experienced car accident lawyer can determine the value of a case and recommend the proper course of legal action, so injured individuals should consult with an attorney they trust if they’ve been hurt in an accident caused by someone else’s actions.

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Personal Injury: Premises Liability

When someone spends time on another individual’s property, they should be able to expect that the property has been properly maintained according to safety standards. For example, when you shop, visit an apartment complex, or visit a business’s office, you entrust you safety to the property owner or manager of the entity. Though many owners and managers do uphold safety standards, many others cut corners to avoid maintenance and repair costs. Failure to uphold standards may not immediately result in harm, but repeated negligence often results in injury.

Categories of premises liability

As the Milwaukee personal injury attorneys at Habush Habush & Rottier S.C. explain, injured individuals are sometimes able to claim financial compensation for their suffering by filing a personal injury lawsuit. Examples of cases that fall under the category of “premises liability” include the following:

  • Slip and fall accidents: covers injuries sustained as a result of slipping or tripping hazards that were left unattended by the property owner
  • Elevator/escalator injuries: covers injuries sustained from malfunctioning elevators or escalators
  • Porch collapse: often results from an owner/manager’s failure to properly maintain and inspect a porch
  • Stair collapse: results from improper repair and maintenance procedure
  • Fires: covers damage done by a property owner/manager’s neglect of building regulation and safety codes, which mandate that each building be properly equipped with safety tools
  • Lead paint poisoning: lead paint has been banned in commercial buildings since 1978, and building managers are responsible for replacing this dangerous paint with an alternative
  • Mercury poisoning: can result from consumption of certain types of fish or exposure to certain types of products and appliances
  • Swimming pool injuries: claims may be related to improper pool maintenance or supervision
  • Legionnaires’ disease: an extremely dangerous respiratory infection that stems from water-borne bacteria. Infection only occurs when water is inhaled in vapor or mist form, so common sources of contamination are cooling towers, air conditioning systems, spas, fountains, and other large water features.
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How to Easily Avoid Car Accidents

What makes car accidents so dangerous is the fact that they may inflict enough force to seriously injure or even kill someone. They become even worse because of the numerous ways they can occur. The website of the LaMarca Law Group, P.C. has even enumerated these ways, ranging from reckless drivers to road defects.

But how can you avoid car accidents and their associated injuries and financial burdens? There are simple things you can do.

Avoid driving recklessly

The most basic thing you can do is to follow traffic rules and regulations, from the strict ones like traffic lights and stop signs to the subtler ones like anti-distracted driving and speeding. These things are implemented not to suppress you, but to limit your actions in the road to make the road safer not just for yourself, but also for the others around you.

You should also avoid reckless behaviors, such as driving under the influence of alcohol or drugs, driving while fatigued, tailgating, weaving, and not using signal lights.

Avoid reckless drivers

Sometimes, car accidents happen because of someone else’s fault. If you see a car that has been traveling in a reckless or negligent manner, stay away from it as far as possible. Consider slowing down or changing lanes to minimize the risk of getting involved in an accident with that car.

According to the website of these Houston car accident lawyers, those who have been hurt in car accidents because of another responsible party may have legal options, such as getting this responsible party accountable.

Maintain your vehicle

One of the most overlooked causes of car accidents is auto defects. The most dangerous defects are those that involve the brakes and tires. These defects occur mostly from the owner’s failure to properly maintain his vehicle or the designer or manufacturer’s negligence to their products.

As a car owner, you can reduce the risk of defects and accidents if you properly inspect and maintain your vehicle.

Be aware of your surroundings

This is an obvious tip, but believe it or not, many drivers don’t even do this. Road awareness can be achieved by doing two things. First, you should be alert on possible hazards, such as traffic lights, road signs, crosswalks, and road defects. Second, you should always drive in a speed you are comfortable with and sure that you can react properly and promptly.

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Employer misconduct: Dangerous Conditions and FLSA Violations

Employer misconduct: Dangerous Conditions and FLSA Violations

Despite the laws that require employers to ensure their employees of a healthy and safe work environment, office injuries still occur due to the reckless or negligent act of many employees and, sometimes, of employers themselves.

Office settings may be free of hazardous substances, sharp tools and heavy equipment, making these safer than construction sites; however, it should not be denied that even these work environments have their own types of dangers that can cause employees injuries. Though most are minor, some are serious enough, like sprain, electrocution, neck, head and/or back injuries, and repetitive strain injuries, which can damage the muscles, tendons, ligaments and nerves.

One contributory factor to office injuries is overwork or being required by employers to work longer than their regular shift. This renders employees exhausted and sleepy, besides causing in them lack of needed rest. Worst than being required to work overtime, however, is being denied overtime pay for the extra time that they have rendered.

“A laborer is worth his wage.” This is the clear message of the the Fair Labor Standards Act (FLSA), which was passed into law in 1938. Also known as the Wages and Hours Bill, the FLSA covers all employees, whether full-time or part-time, and determines the minimum wage and rate of overtime pay.

According to Houston FLSA attorneys at Williams Kherkher, “The Fair Labor Standards Act (FLSA) outlines rules employers must follow when paying employees. The FLSA defines what overtime pay is, when employees must be paid an overtime rate, and which employees are eligible for overtime. Unfortunately, many businesses in many different industries routinely make efforts to deny workers the overtime pay they are entitled to. There are various ways employers accomplish this, including but not limited to:

  • Misclassifying employees as exempt from overtime pay
  • Miscalculating hours worked,
  • Illegally requiring employees to perform tasks or travel “off the clock”.

Overtime pay, or payment for work rendered by employees in excess of their maximum daily or weekly work shift, is computed separately and given a higher value than regular time pay. Overtime pay is hard-earned money. Many American employees go through the sacrifice of giving up a part of their time for rest or family time to be able to take home a bit higher pay than the usual. For employees who need to send their kid/s to school or who need to pay child support, overtime pay is definitely very important as this can enable or help them accomplish a whole lot of other things for themselves and their kid/s. Thus, being cheated of overtime pay gives employees the legal right to pursue legal action which may help them recover back wages.

Though overtime work can augment an employee’s pay, rendering overtime often can have negatives effects too as this can affect his/her overall job performance and overall health. If health, specifically, is affected, an employee may be more prone to illnesses or injuries at work.

It is a good thing that in the event of sustaining a job-related injury or developing an occupational illness, employees can claim cash benefits from the Workers’ Compensation, a state-mandated Insurance program. As explained by Des Moines workers’ compensation attorneys at the LaMarca Law Group, PC, “Under the Workers’ Compensation Act, most workers who become injured while they are on the job are eligible to claim workers’ comp benefits, regardless of who was at fault for the accident. That being said, if your accident was caused by the negligence of your employer, you are likely to be eligible for immediate financial relief from their workers’ comp provider. However, if you are able to prove that your accident was caused by the gross negligence of your employer, it may also be possible to file a civil claim against your employer.”

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The Fastest Way for Russians and Other Foreign National to Obtain a U.S. Green Card for Themselves and Their Families

Through the EB-5 Immigrant Investor Program, certain foreign nationals are given the opportunity to obtain a U.S. Green Card by investing in the U.S. Investment of $1 million is required of EB-5 visa applicants intending to create a new commercial enterprise in the U.S.; the required amount is $500,000 if the investment is to be made in a Regional Center, an organization that the U.S. Citizenship and Immigration Services (USCIS) has pre-approved for the purpose helping EB-5 investors meet the program’s requirement. Regardless of where the investment is made, the goal remains the same: preserve or create 10 full-time jobs for qualified American workers.

Foreign investors who wish to invest their $1 million in a new commercial enterprise must make sure that such enterprise was:

  • Established after Nov. 29, 1990, or
  • Established on or before Nov. 29, 1990, and that it will be purchased and restructured to form it into a new commercial enterprise, and expand it so that its employees or net worth would increase 40% more than its original (size of employees or net worth).

Compared to investing in a Regional Center, many more investors prefer this second form of investment due to the following reasons:

  • Cost of investment in an EB-5 Regional Center is only $500,000;
  • Meeting the “create 10 jobs” requirement becomes the responsibility of the EB-5 Regional Center; success of meeting this requirement is also higher if investment is made with a Regional Center that is more stable and well; and,
  • With the Regional Center responsible in meeting the “create 10 jobs” requirement, the investor can busy himself or herself with other things, like attend a university or practice his or her real profession.

Compared to other employment-based visa programs, the EB-5 visa requirements are the easiest to satisfy; processing time is also guaranteed much faster. However, this program is not without risk, the greatest of which is the probability of failing to meet the “create 10 jobs” requirement. This makes it very important for the foreign national to really consider if investing in the U.S. is the best way he/she can obtain a Green Card for himself/herself and his/her family. An EB-5 visa attorney will be the right person to turn to regarding this important matter.

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Understanding The Effects of Mercury Poisoning

Mercury is the most fatal, non-radioactive and naturally occurring substance on the planet. There is no safe level of mercury because even a single atom can prove lethal to your body. It is found in the air, water, and soil. According to the website of Abel Law Firm, whether in its liquid or gaseous form, mercury exposure can cause serious illness to humans.

Mercury is found in the fish we eat whether caught in the lake or bought in a grocery store. It is also found in some of the products we use, in the home, at the dentist, or at school. Fishes and shellfishes are the main source of methylmercury exposure to humans. The level of mercury contamination in fish and shellfish depend on what they eat, their lifespan, and their level in the food chain.

High level mercury exposure can harm the brain, heart, kidney, lungs, and immune system. Methyl mercury in the bloodstream of unborn babies and young children can cause harm to the developing nervous system, which can slow down the child’s ability to think and learn. Aside from that, mercury poisoning can impair the peripheral vision and may result to lack of coordination, impairment of speech, hearing, walking, and muscle weakness.

The National Institute of Health reveals that the effect of mercury poisoning is a slow process that takes months or years. For this reason, most people do not know that they are being poisoned right away. Some of the effects of mercury may include neurological and chromosomal problems such as:

  • Uncontrollable shaking or tremor
  • Numbness or pain in certain parts of the skin
  • Blindness and double vision
  • Inability to walk well
  • Memory problems
  • Seizures
  • Deaths with large exposures
  • The health effects of mercury are dependent on several factors which may
  • include the following:
  • The form of mercury
  • Amount of mercury in the exposure
  • Age of the person exposed
  • How long the exposure lasts
  • The manner of exposure such as breathing, eating, skin contact, etc
  • Health of the person exposed

When you or your loved one has been exposed to mercury, you need to consult the doctor right away.

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Types of Car Insurance Coverage

Carrying car insurance is a necessity in the United States. While having a policy can be costly, not having one can be even more expensive on your part. According to Milwaukee car accident attorneys, there can be car insurance that fits your budget and driving needs. Here we will look at the types of insurance coverage available in the market.

Liability Insurance

Liability insurance shoulders the cost for repairing damages to a property or the medical bills from resulting injuries. In most states, there is a minimum requirement for the amount of liability insurance coverage that drivers must carry. However, it is recommended to have liability coverage that is above the minimum coverage as it will give you additional protection should you be found to be at-fault.

Collision Coverage

Collision coverage shoulders repairs to your car after getting the total value of your car during an accident. If you own a new car, collision coverage may come in handy compared to having an older car.

Comprehensive Coverage

In case something happens to your car due to accidents not covered by insurance such as weather or theft, liability and collision coverage will not shoulder these situations but comprehensive insurance will. Adding anti-theft and tracking devices on your car can considerably reduce your insurance policy.

Personal Injury Protection

Personal injury protection or PIP shoulders medical bills related to an accident regardless of who is at fault during an accident. This can come in handy when the costs associated with a collision quickly piles up.

Uninsured/Underinsured Motorist Coverage

Although all states require insurance, this is not the case all the time. Even if an uninsured motorist has liability insurance, this may not be enough to shoulder all of the expenses associated with an accident. So if the person who is deemed at-fault does not have insurance, you cannot receive damages. Having uninsured/underinsured motorist protection can help shoulder expenses in these situations.

These are the types of insurance coverage that you can carry to protect you from accident-related expenses. Of course, this will depend on your budget and requirement.

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The Worst Side Effect of Zoloft

Doctors write about 2.4 billion prescriptions every year. According to the National Center for Health Statistics (NCHS), about 118 million of these prescriptions are for anti-depressant drugs, making these, therefore, the third most prescribed type of medication in the US. NCHS records also show that between 1988–1994 and 2005–2008, use of antidepressants increased by almost 400 percent.

Psychiatrists will agree that anti-depressant drugs should be prescribed to people with severe illnesses or severe cases of depression, but definitely not to those suffering only from mild attacks. Psychiatrists, however, are not the only ones discovered to be prescribing antidepressants: doctors also prescribe it, but to millions of Americans who should not be using the it.

Rather than as medication to treat to stress, anxiety or sadness, these doctors prescribe antidepressants to people for off-label use, that is, use not approved for by the US Food and Drug Administration. These include off-label treatment of insomnia, pain, headache and premenstrual dysphoric disorder (PMDD), which is due to Premenstrual Syndrome (PMS); some doctors even recommend antidepressants to help people quit smoking.

One antidepressant that has been written on about 30 million prescriptions is Zoloft (sertraline chloride). Zoloft was originally manufactured for those in the United Kingdom, where it was given the brand name Lustral. Zoloft belongs to a class of drugs called selective serotonin reuptake inhibitors (SSRIs) family of antidepressant drugs. SSRIs, which control the level of serotonin in the brain and which affect an individual’s learning, sleeping and mood patterns, have been prescribed to patients to control their mental illnesses, such as depression. Specifically, the drug has been used as a treatment for major depressive disorders (MDD), panic disorder, social anxiety disorder, obsessive-compulsive disorder (OCD), premenstrual dysphoric disorder (PMDD) and post-traumatic stress disorder (PTSD).

Side-effects, however, are being linked to Zoloft. Besides causing suicidal thoughts or seizures, the worst effect of Zoloft is serious birth defects; this happens when this drug is given to pregnant women or those expecting (or planning) to becoming pregnant soon.

A law firm website named Williams Kherkher says that a study published in the New England Journal of Medicine on June 28, 2007 revealed that maternal use of Zoloft was associated with different neural tube defects (NTD), including anencephaly, a deadly birth defect that affects one out of more than 4,000 babies every year.

At least 250 Zoloft birth defect lawsuits were filed in a federal court in Philadelphia alone as of June 2014. With the millions of prescriptions made of Zoloft, lawyers still anticipate an increase in the number of lawsuits from mothers whose babies have been affected by the harmful drug.

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The Advantages of Ghostwriting To a Client

People who can find neither the time nor the inspiration to put their thoughts into words to make a good story or article simply need to search the net in the hope of finding someone else who would do the writing for them.

Getting the services of someone to get something written can actually be done fast and easy, wherever you are in the world. In fact, with so many different types of writers available, you can have them write anything for you; you can even be an author of a book without actually needing to write one yourself. From e-books to online articles, academic papers, novels, essays, scripts, speeches, theses, dissertations, admission papers, resume, application paper, business plans, research works, reports and many more – you will always find a writer who will suit your standard and match the style you will require. You need not worry about getting the credit for any write-up too. Once your hired writer submits to you what you required him or her to write about, you can do whatever you want with the submitted work: put your name on it or anyone you like, or sell or submit it for publication or for whatever purpose you have in mind.

Such is the nature of ghostwriting – it is you who get all the credits in the end, not the actual writer. More than just any form of writing, where the writer gets a freehand in the style, use of words and favorite phrases, sentence patterns, type and level of vocabulary and others, in ghostwriting the writer will have to write as if it were you doing the write-up yourself. A ghostwriter, therefore, will need to have your very style, at least until the project is finished, all for the purpose of turning your ideas into a money-making content.

You will learn from online copywriters at Kinetic Word that some of the truly good writers are ghostwriters. Albeit ghostwriters, themselves, may not totally benefit from the work that they do, as some do not even get paid by clients and no one else will know (besides themselves and the clients) that the work was actually done by them. The full benefits of the written project will go to you, the client, who can continue earning from the article even long after it was written.

A marketable content that is completed on your specified time, contains whatever information you want researched and written in outstanding quality (in terms of grammar, coherence, punctuation marks usage and style) – these are the guaranteed characteristics of a ghostwriter’s works. To make sure that you hire the right one for your writing needs ask for copies of your prospected ghostwriter’s previous works; these will show you his or her writing quality and style and help tell you whether to hire or look for someone else.

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