Wednesday, June 23, 2010

Signs Your Teenager May Be on Drugs

The teenage years are the most complicated moments that any parent will experience. The need for independence and feeling loved by the outside world causes many teenagers to act aggressively and oftentimes become drug offenders. They do not want to feel left out and rejected and they would rather take the chance with losing their family than losing their friends. Though this might sound ridiculous to many people, it is nonetheless the cold truth that stares many people in the eyes on a daily basis. Families that fail to get help from a drug treatment program stand the chances of losing their 'babies' to drugs forever.

It is therefore important that parents try to understand their children before they become teenagers. Parents should sit with their child and become friends with them, so that they know that they can be trusted in good times and bad times. Once a child believes in his heart that he can trust his parents then they are the first ones to know when something goes wrong. They will also be the fist to know when this child is not happy, confused, under pressure and feeling like an outsider. Children that are left to deal with all with these emotions alone build up a barrier to anyone that tries to get close to them. When they they become enrolled a drug treatment program they will have to undergo extensive counseling to break down the wall that they have out in place to protect themselves.

If a parent understand his child then it will be easy to detect when they are doing drugs. One of the most heartbreaking revelations that any parent can face when their child is placed in a drug treatment program is that the counselor was able to bond with a child within a few hours of talking as opposed to them living years with them. Paying attention to the signs is crucial, because children DO give signs that they are on the verge of becoming involved with drugs.

Here are some signs that will show you that your child is trying to communicate with you.

''Lets do something special'' - Maybe you have heard these exact words or something similar. Chances are you were too busy to notice that what they really want is to spend some quality time with you. You may have given an indirect response and failed to take up the offer. After a few attempts of saying this the child decides gives up and decided to get the attention from friends that may or may not be a good influence to them. In a few months or years of this sad tale you are putting your child into drug treatment program.

Fits of Rage and Jealously - Whether intentionally or unintentionally some parents treat their children differently. This then causes one child to feel slighted and unforgotten. They then try to seek comfort in drugs and friends that 'hear' what they have to say. Some parents will even be surprised at the child's reaction after showering them with everything in life. The truth is that many children do not want the riches of a BMW or the latest fashion to show their friends- they want to feel appreciated and know that they too have a normal family.

Poor Academic Performance - A child that is on drugs will not be able to concentrate on his or her lessons. If the child was always a good student then this is a sign that something is wrong. However, if the child is notorious for bad grades then it it will be difficult to use this as an indicator to say that he or she may be involved with drugs. Poor academic performance can also be caused by a list of other factor, such as: families going through divorce, eating disorders, lack or self-esteem, lack of interest etc.

Tuesday, June 22, 2010

David Vs Goliath - A Few Survival Tips For David

If you have a dispute with Big Business, don't make it easy for them. Your slingshot probably will not save you if you make one of these fatal mistakes:

Sign a contract with a binding arbitration provision
Take the big guy to Small Claims Court
Forget that the big guy wrote the rules - And he didn't write them for you

Binding Arbitration is NOT Your Friend

Binding arbitration, like Small Claims Court, is okay when the two sides are about the same size. But there is a reason why every huge corporation includes it in its consumer contracts and employment agreements. Whenever you hear that arbitration is less expensive than litigation, that depends on whose shoes you are wearing at the time. If you are an individual or a small business owner and have a dispute with a large corporation, the odds are against you in any forum. But there is more certainty in arbitration. If you have agreed to binding arbitration you will almost certainly lose. Every time you sign one, you give away important legal rights, most of which would have helped level the playing field.

Don't Try Taking Big Business to Small Claims Court

If you have a disagreement over your neighbor's dog eating your magnolias, and he will not make it right with you, small claims court may be the way to go. On the upside, it is relatively fast, less expensive, and you can go argue your own case without a lawyer. Small disputes between people of equal power can be settled that way. But if you have a conflict with someone much bigger and richer than you, this is not a "Judge Judy" issue.

Small Claims Court is designed to move cases quickly and efficiently. That speed and efficiency comes at a cost. The rules of evidence are almost non-existent. Therefore, the judge will hear (and may consider) gossip (hearsay in legal jargon) as evidence against you. If you are the defendant, you will not get the chance to force the Plaintiff to produce evidence that may help your case. If you are the Plaintiff you will carry the burden of proof (meaning if you cannot prove your case, you lose). But you will not have the leverage to force the defendant to reveal critical proof that may not be available any other way.

Goliath is all set up to fight little shepherd companies and is usually very good at it. If you meet him on the battlefield of Small Claims Court, he will probably take your slingshot and... well, you know. So don't even think about it.

As a Small Business - You Don't Have Lobbyists

Law makers draft legislation to help their constituents. In other words, they write laws to scratch the backs or backends that elected them. This is why corporations (fictitious entities created and living only on paper) have all of the rights of "persons" under the Constitution - without the ugly ramifications of personal responsibility that governs us mere mortals. Fortunately for us, the Goliaths cannot seem to get along with one another. Because the big guys need well-defined rules of engagement to settle their disputes, small businesses still have a shot at justice in the Courts. But we need to understand that it is their game. To have a shot at justice, we must know the rules and find ways to use them to our advantage.

Monday, June 21, 2010

Which Type of Bankruptcy is Right For You?

Choosing the type of bankruptcy for which to file is never an easy decision. Bankruptcy is difficult to face in the first place. Sometimes bankruptcy is not only inevitable, but may actually give you the capacity to economically survive your current demise. Even if your available solutions are unpleasant, they still present a transition to the future. It's important to decide which path best fits you. Though deciding which type of bankruptcy is right for you holds no an easy answer, it is the beginning of the solution.

Chapter 7 Bankruptcy

This is the type of bankruptcy that liquidates your assets to pay your creditors. Some creditors may repossess your house or your car to pay back your current debt, though you may be allowed to keep your property in some cases. Chapter 7 is generally for people with little to no assets, and it allows them to have most of their debt discharged without losing too much. Individuals with a lot of assets to lose may want to consider Chapter 13 bankruptcy instead, as this allows you to maintain your assets in most circumstances.

Chapter 11 Bankruptcy

This type is used by businesses as a way to restructure their debt without losing their company. Filing this type allows a business to continue its operations throughout bankruptcy proceedings. Once Chapter 11 is filed, all creditors efforts to recover the debt must cease. This is to allow businesses to form a plan in which to deal with the debt. Creditors can contest this plan if they feel they'd have more to gain through liquidation, but the decision ultimately rests with a bankruptcy judge who prepares a prepayment plan according to his or her discretion.

Chapter 13 Bankruptcy

This option provides an individual with an opportunity to pay back owed debt without losing any assets. You are responsible for filing a repayment plan, but creditors can challenge it and the decision ultimately rests in the fate of a judge. In the end, the plan needs to work towards the best interests of your creditors. If they would fare better under a Chapter 7 liquidation, your petition will likely be denied.

Bankruptcy is a serious step to solving serious financial problems. Always consult a bankruptcy lawyer to thoroughly understand the complexities involved and determine the option that's in your best interests.

Sunday, June 20, 2010

Traffic Tickets - Can You Lose Your Drivers License?

It seemed like every cop had my GPS signal. Every where I went I seemed to get another traffic ticket. The points were adding up on my drivers license. Could I get my drivers license revoked for traffic tickets? You Bet!

I'm a speed demon. I have convertible, I put the top down, play my favorite tunes then bam! the bubblegum lights. As I said, they seem to know were I am... even on deserted country roads. I even got one speeding ticket where the County Sheriff added Reckless Driving... she said I crossed the center line. I think it was because I was rollin' about 90 mph. Now I had 8 points on my drivers license. Rats! I found out you could only get 12 points in 12 months and 18 points in 18 months. I already had a traffic ticket for speeding ... 3 points. Too close to 12!

I remember going online to find a driver improvement course for traffic tickets. I discovered a bunch of online traffic schools that offered a Traffic Ticket Dismissal/ Point Avoidance Course. I took the online traffic school course and completed it in five hours. The Ticket Dismissal Course was fairly easy, it held my interest, time seemed to fly by. Not only was my speeding ticket points removed, the reckless driving points were gone. The other benefit was my fine was reduced by 18%. No small chunk of change. If you are not sure that this is the course you need to take see Ticket Dismissal Course for the course qualifications and course outline.

I found out doing the course that there were plenty of ways to lose points... not just speeding. Any moving violation will get you dinged 3 points. Open container(driver) ding! 3 points. Passing a stopped school bus ding! 4 points. There plenty of other violations that will lose you points. Reckless driving, driving during restricted hours and improper equipment to name a few.

The Traffic Ticket Dismissal course was well worth the time. Pete, my college room mate, said it was pretty much the same course outline as the one he took online in Texas. Just a few questions were different, about Texas Traffic Laws. You have to love the internet.

Well, I have slowed down. I don't play any tunes that are jammin', I found out my speed increased when I was rollin' with the heavy tunes. I didn't lose my drivers license... the online traffic school ticket dismissal course took care of the problem.

Saturday, June 19, 2010

Five Things You Must Know Before Filing a Personal Injury Lawsuit

Personal injury is a complex area of law that is different depending on what state you are in. What follows are five things that you need to know before filing a personal injury case in the state of Missouri.

Is there a time limit for filing a case?

Yes, all Missouri personal injury claims and lawsuits must be filed within the time limit from the date of the loss or accident. This is why it is important to contact a Missouri injury attorney as soon as possible after the accident so he can advise you on the applicable deadline.

Is an attorney required?

No, Missouri law does not require you to hire an attorney for your case. You should be aware, however, that the insurance company is sure to have an entire team of highly skilled lawyers working on your case. These lawyers are instructed to pay attention only to the bottom line. They will be skilled at selling their offers and making you believe that they are offering what is best for you. A trained personal injury lawyer will have a great deal of experience dealing with insurance company lawyers.

Will I have to go to trial if I hire an attorney?

No, an injury lawyer is there to represent you, to advise you on the best route forward and to argue your side of the case - whether that leads to full trial, or settlement beforehand will depend on the individual case. Often times it is the threat of full trial that leads to a fair settlement. Your Missouri injury attorney can advise you on the best way to play your hand.

Will the insurance company spy on me?

Absolutely. They will have insurance investigators watching you to see if you have lied about your injuries. This is why it is critical that you be entirely honest with your lawyer. It is also important that you set aside pride. Often when our doctors tell us we must rest for five days, by day three we are up and about in a limited fashion and we are resuming full activity by day four. In personal injury cases this is crucifying. If the doctor says to use the brace for two months then you need to use it for two months, period.

How much will a personal injury lawyer cost?

Most St. Louis injury attorneys will not charge for their services but will work for a percentage of the settlement or summary judgment. Be sure you understand the payment agreement upfront to avoid any surprises on settlement day.

Friday, June 18, 2010

How Do I Know If an Attorney Has Mortgage Experience?

Getting into trouble with your mortgage isn't exactly a comfortable place to be. It is no surprise that you'd want to look for a St. Louis law firm to help at the first sign of trouble. Since there are no "mortgage attorneys" where can you turn? The field of law has grown so much that is pretty impossible to be able to do everything, causing many attorneys to focus on one specific area. No, not every lawyer you encounter will know how to handle a mortgage problem but there are some that will.

If the problem has to do with your actual mortgage lender or the nature of the lien, you will probably want to contact a real estate attorney. A real estate attorney will be able to check if anyone claiming a lien on your home is legitimate, make sure all documents are correct and know if your mortgage company has made any procedural mistakes. If your problem, however, has to do with paying your mortgage, you may need a different kind of attorney. Not being able to pay your mortgage isn't a laughing matter. As soon as you start falling behind on your payments, you've headed down a path leads more than 1,700 St. Louis residents each month to foreclosure. For most, putting their families in danger of not getting protection from foreclosure isn't an option.

But what kind of attorney can you turn to for protection from foreclosure? A St. Louis bankruptcy attorney can actually stop the sale of your home and help you keep your family safe and sound with a Missouri or Illinois Chapter 13 bankruptcy. Plus, a bankruptcy can help you with other kinds of debt like medical bills or credit cards. In addition to stopping your foreclosure, chapter 13 can stop a wage garnishment, prevent creditors from harassing you all night and day, and stop the repo man from taking your car. You could really take the burden of debt off your shoulders and the shoulders of your loved ones.

Don't forget that just because you've found a real estate or bankruptcy attorney in St. Louis doesn't mean they are the most qualified to handle your mortgage concerns. You should still concentrate on finding the best attorney for your specific case. Find an attorney who wants to answer your tough questions by providing you with free information before he or she even meets you. You will confident in your decision if it is an educated one.

Thursday, June 17, 2010

Did the Dodgers Slow Walk Reliever George Sherrill Into the Bullpen?

During the long, 50 game suspension of slugger Manny Ramirez, the Los Angeles Dodgers played as a team should play. They wouldn't let the absence of a key player keep them from winning, and they stayed in first place and racked up the best record in the major leagues.

But did they do the opposite since Manny's return?

Specifically, did they make a statement to management that unless the team acquired a key player, a pitcher, for the second half of the season, there would be trouble in the standings?

Here's what looks so curious. The men in blue hadn't lost three games in a row all season long. Then edging up to the July 31 trade deadline, they blew four in a row.

It wasn't their pitchers, by and large, that phoned it in. It was the hitters that sent a message by taking a prolonged nap.

Coincidence? Statistical probability?

Then, on 30 July, it was announced they obtained George Sherrill, a relief pitcher.

The Dodgers won that day, and the next, using their new hurler.

"The Slow Walk" is a work unit's way of telling management that they feel they're being mistreated, ignored, or over-worked. It isn't that people stop doing their jobs. They simply do them at a snail's pace, which means productivity slips more and more with each passing day.

Did the team slow-walk their way to beefing up the bullpen? Did they think General Manager Ned Colletti would be satisfied and stand pat with the existing roster if a warning shot wasn't fired before July 31?

Shakespeare famously said all's well that ends well.

But is this the end of the team's use of slow-mo? Who knows?

There are more player acquisition opportunities coming up, before season's end.