Securities and investment firms have the responsibility to protect your money and perform the services that they have promised. These firms can have a direct impact to your financial security and future, so it is best to choose them wisely. You don’t want to engage with dishonest investment advisers and stockbrokers and lose everything you worked hard for.
According to the website of the Houston commercial lawyers of Williams Kherkher, disputes regarding securities and investments may include but are not limited to insider trading, unauthorized trading, misrepresentation and nondisclosure, market manipulation, investment scam, and misappropriation.
Despite law protections, some people still become victims of these disputes, especially investment scams. Your first line of defense against such scams is knowledge. Below are three big investment scams that may come your way.
This is a type of scheme where the money from new investors is used as a return for the old investors. Since it is not a sustainable system, everything falls apart when the money from the new investors is not enough to sustain the returns for the old investors.
This scheme is much closer to you than you realize, and you will probably hear something about it from someone you know, who will invite you to join a group of investors who are working on something big. Once you opt in and the system falls apart, the old investors will just disappear and you will never see a cent from them again.
Pump and Dump Scams
Pump and Dump is an illegal practice wherein the scammers promote an investment on a low-priced stock. Most of the time, these scammers actually own a big portion of the stocks in that investment. Sometimes, the investment itself is not even a legitimate business. As more and more people buy shares, the value of the stock goes up and up. Once the value reaches a certain high point, the scammers put their money out, resulting into the value of the stock to go down the drain, together with the money you have invested.
Offshore investments are just what they sound like – investments outside of the country. If something goes wrong, these investments can be hard to fight for, so scams concerning them are becoming more common. You can lose your money entirely. Not only that, most offshore investing scams also use a tax avoidance scheme, so there is a possibility that you owe the government taxes and penalties.
So if someone approaches you, entices you to invest your money offshore, and promises you with big returns, be wary.
Babies start teething at around four to six months of age. At this time, they’ll experience tender and swollen gums as their teeth start growing, keeping them crying and uncomfortable throughout the day. As many parents know, soothing these thorny babies can be a challenge. Fortunately, you can employ many safe and easy solutions to keep your baby happy and pain-free. The following are just some of the simplest and trouble-free remedies for your teething baby.
A foolproof way to combat the swelling and soreness caused by teething is to give your baby something cold to chew on. Many parents swear by using washcloths with crushed ice cubes wrapped inside, as well as giving their babies frozen food if they’re already eating solids. You can easily pop snacks like grapes, orange slices, or bananas inside the freezer and give it to your baby when he or she starts to make a fuss. If, however, your baby is still eating soft food, you can try to fill up the rubber nipple of your baby’s pacifier with water before popping it inside the refrigerator to freeze.
There is also a wide-variety of teethers available in the market. Some teethers are filled with sterilized water and can be chilled to serve a similar purpose as the remedies mentioned in the previous tips. Teethers made out of food-grade silicon are also ideal, particularly because they are soft and flexible. Parents can even wear teething necklaces that babies can chew on while being carried close to mommy or daddy’s chest.
There are countless of safe and easy ways to help your baby get through the pain of growing their first few teeth. If, however, you’re looking for teething solutions outside of home remedies and traditional chew toys, it’s important to be mindful of the products you use. Homeopathic teething medications or teething tablets brag about quick pain relief, many of these products have proven to be dangerous for infants. The FDA has already made warnings about teething tablet toxicity and it would be best to avoid these products altogether to keep them safe from symptoms like vomiting, lethargy, difficulty breathing, and muscle weakness. As noted by Williams Kherkher, these tablets leave vulnerable infants in risk of serious illness. Sticking with tried and tested remedies will be a better strategy to help your teething baby.Read More
Having bad credit can easily discourage you from getting car insurance. The truth of the matter is that you shouldn’t be. While your credit score can affect your insurance rate, you will be surprised to find out that even with a bad credit, you can still get affordable car insurance. According to the website of Zavodnick, Zavodnick & Lasky, LLC, you may still have more options that you initially thought.
Insurance companies draw a line between a good and bad credit score to be between 600 and 650 and most providers prefer applicants with much higher credit scores. In order to get car insurance, you will need to pay down your debts and ensure that you manage your finances better. However, there are still other ways you can qualify for reduced car insurance rates.
Another way you can get bad credit car insurance is to open several lines of insurance with the same company. By doing so, you can earn savings on your premium. Likewise, you could earn customer loyalty discount. Another way to reduce your premium is by setting a higher deductible. By choosing to pay more out of the pocket, you become less of an insurance risk and the savings comes back to you. Just make sure not to set your deductible higher than you can afford.
Even with your bad credit, you can qualify for car insurance by dropping coverage that you do not need. This way, you can reduce the cost of coverage. For instance, you can opt to drop comprehensive coverage to bring the cost of your insurance to the amount you would like to pay.
As you can see there are many car insurance options to choose from even if you have bad credit. All it takes is a little research on your part. You can use auto insurance to improve your credit score and get better rates in the future.Read More
If truck accidents and car accidents are within the same spectrum, surely the damage between them is on equal grounds, right? Unfortunately, this is not the case. One of the primary reasons as to why truck accidents are differentiated from car accidents is due to the fact that their potentiality for damage is incomparable. A car is a large heap of metal with the largest weighing around 10,000 pounds whereas an eighteen wheeler truck might 80,000 pounds.
Surely you can picture the difference if a car were to have a rollover accident versus an eighteen wheeler to be in the exact same situation.
In the United States of America, there are approximately around 400,000 to 500,000 truck accidents that occur on a yearly basis, according to the website of the lawyers with Williams Kherkher. Each accident can have its own consequences and may be considerably tame such as a damaged bumper or a damaged side mirror. These littler accidents, however, are far and few in between, simply due to the massive scale of an eighteen wheeler in contrast to the regular passenger vehicle; some trucks even carry hazardous or highly flammable material and so an accident could cause a catastrophic explosion or chemical leak that could negatively affect dozens to thousands involved. A significant percentage of fatalities that occur on a yearly basis are due to commercial trucks, the aforementioned website also states.
It is due to the higher risk and higher probability for catastrophic and fatal accidents that there is a distinction between car accidents and truck accidents. Truck drivers are required to be professionally licensed in order to operate such a vehicle and trucking companies need to ensure that their truckers are professional and hold themselves in accordance to the federal laws that surround these massive vehicles. There are numerous consequences of truck accidents while the cause of them can usually be linked to human negligence.
It is important to ensure that all the necessary precautions are taken in order to protect the lives of everyone involved.Read More
One of personal injury’s many critical varieties is the fact that which will be induced towards the mind as this can result in disability, unconsciousness, comatose, amnesia. Personal-injury is harm committed against a person because of another sloppy or responsible conduct that is individual’s. Though it’s often physical, it nonetheless affects the target psychologically and mentally. A personal damage can also be intentional or unintended in character.
According to the website of shoulder replacement lawsuit lawyers of Williams Kherkher, the sources of accidental injury vary from basic accidents, such as a slip-and-fall, to extreme engine vehicular accidents (on land, atmosphere or at-sea); it may also be a consequence of medical mistakes, flawed products or contact with unsafe materials while at the job. Although some injuries may be severe, resulting to the victim’s prolonged disability which, in turn, leads to financial drops and costly medical treatment, others can lead to the victim’s early death. Underneath the law, patients of injury have the to obtain reimbursement from your likely party (whether this is an individual, a small business organization or a governmental organization) to address their current and future damages.
Brain damage, normally known as intracranial or traumatic brain injury (TBI), is just a very severe personal injury the result of a strong shot or extremely violent setback to one’s mind. This generally happens during a sporting accident or an auto accident, drop, hatred, volatile crank. The Center for Disease Control and Avoidance (CDC), over 1 million Americans are treated for head injuries every year – about 50,000 of these expire.
Car crash, nevertheless, is the key reason behind this type of damage. Despite the security characteristics of a auto as well as the watchful observance of traffic guidelines by some drivers, the disregard of some makers, which lead to a car’s weak style and components, or perhaps the recklessness of some drivers, can render ineffective all observance for security and cause an accident that may severely hurt or kill others.Read More
Doctors and other medical professionals are some of the only people we instinctively trust. We trust them with the things that are most important to us- our health and the health of our families. It is especially unsettling, then, to think of these people as making an error that injures us or someone we care for. Unfortunately these incidents do occur, and occasionally and oversight or poor judgement on the part of a medical professional can result in a severe injury for their patient or patients.
According to the website of Nashville personal injury attorneys at Pohl and Berk LLP, common cases of medical malpractice include: misdiagnosis, delayed treatment, improper treatment, surgical errors, emergency room errors, pharmaceutical errors, birth injuries, wrongful death, and hospital negligence. Click here for more detailed information on medical malpractice.
In order for a medical malpractice case to be considered legitimate, it must be proven that a medical professional deviated from an accepted standard in their practice. Furthermore, it must be proven that this oversight caused damage- that damage ranging from injury to death to increased medical expenses. In medical malpractice cases, there is what is called a “statute of limitations.” This means that there is a certain time period after which the damage was committed when the victim can prosecute the medical professional for this case. After this prescribed amount of time has passed, it is too late for the victim to prosecute the medical professional for the damages. Statutes of limitations vary by state.
Medical malpractice can be extremely harmful and in some cases, life threatening. Unfortunately these cases often could have been prevented. Many times, these often the fault of the carelessness or neglect of the medical professional or other staff involved in the initial treatment. In these cases the victim of such a tragedy or their families may be owed certain damages.Read More
Focusing on two instances of the military’s involvement with PCBs results in notable findings. Polychlorinated biphenyls (PCBs) are organic compounds proven to cause harmful side effects to those whom are exposed to it. In the 1950s, the Navy ran tests on a hydraulic fluid that contained PCBs. Information acquired from this test provided useful and was acted upon. Secondly, anyone at the military base of Fort McClellan in Alabama could have been potentially exposed to the chemical.
Because chemical waste and weapons were deposited at Fort McClellan Army base, those who were stationed there were exposed to their harmful side effects. According to The Fort McLellan Registry Act, any military personnel stationed at Fort McClellan could have been exposed to Monsanto PCBs through contamination of the air. Monsanto is an agriculture company that manufactures products for farmers, however used PCBs in their production. Because of this, people who were at the base are posed to experiencing the side effects of PCBs; these include liver disease, lesser IQ in children, heart disease, and tumor formation.
While the first instance of PCB exposure involved potentially affected people at a specific base, the next regards a decision made by the Navy as a whole. Hydraulic and coolant fluids are widely used in United States Military operations. In the 1950s, Pydraul 150, produced by Monsanto, was proposed for potential use in submarine operations.
Pydraul 150 contains polychlorinated biphenyls (PCBs), which are organic compounds proven to cause detrimental health effects. After the Navy conducted internal tests on the hydraulic fluid, they concluded that it caused death and liver damage to the rabbits they tested. After their analysis, they rejected the use and endorsement of Monsanto’s fluid for their intended purpose.
There are innumerable instances in which military personnel can come into contact with PCBs. However, when possible, it is imperative to take action against coming into contact with the harmful toxin. Whether it is through following health regulations, or acquiring products that are manufactured responsibly, any company or institution can limit their employers from being affected by PCBs.Read More
People normally associate wrongful death with car accidents or nursing home neglect. Wrongful death is when someone dies because of what or how another person or entity acts, such as drunk driving or medical malpractice. In a wrongful death suit, the survivors of the deceased have the right to sue the responsible party. View more information on wrongful deaths on the Ausband Firm website.
Passengers who die while onboard malfunctioning aircraft or as a consequence of the incompetence of its crew may be said to have died wrongfully. In such instances, there was no intent to kill; the death were accidents. However, they could have probably been prevented with more diligence on the part of the airline in maintaining the aircraft, or training flight crews.
The general opinion is that these dangers are foreseeable, and that makes airlines liable when these kinds of things happen, which seems to be more and more common these days. This means airlines must compensate the families of crash victims. The Convention for the Unification of Certain Rules for International Carriage by Air (Montreal Convention) caps the recovery per victim at €143,000 if the airline is found liable.Read More
There are some moments in your life that you will want to remember for years to come. They will be days that you will want to document, to tell your children and your children’s children, and so on. These are days filled only with great joy and exuberance – one of those rare days when you hardly have to lift a finger and everything is only laughter, a childlike excitement, and a wonder beyond all measure.
An example of such an event would be South by Southwest (SXSW). What is SXSW, you might be asking? It’s only one of the most sought after and celebrated events in the world – attracting a massive influx of guests from a massive, global scale. It is an event that centers on the culture of film, music, and interactive media – allowing for people all over the world to get together, learn from each other, as well as providing an opportunity for artists and enthusiasts alike to celebrate one another’s art and accomplishments.
It is attended by some of the best and brightest in the industry as the more seasoned professionals can offer insight and career advice to budding artists and some of the newer voices can have the opportunity to speak up, be seen, and heard! This is the place to be – and many attendees spare no expense when they arrive in Austin.
There is far too much to see, there is so much to do, and so many people to meet that transportation around Austin at around this time can be near impossible. Why ferry about when you can book car service during SXSW instead? This is one the few luxuries that an opportunity like this encourages as it is meant to be one of those rare days when you can just have fun and allow for your passion to run vibrant and free.Read More
For the past 10 years, the cruising industry has continued to be a very lucrative business as passengers only tend to increase every year, already having at least 11 million passengers from the US alone. Two major reasons that can probably explain the continuous growth in the cruising business are the exotic and beautiful cruise destinations and the major improvements on cruise ships, which virtually turn these into mini cities while simultaneously ensuring comfort.
Many of today’s cruise ships provide great fun and enjoyment that being on any one of these is itself an experience to cherish already. To make even time at sea perfectly great, many cruise ships are designed with a duty free shop, bars, pubs and nightclubs, buffet restaurants, an aqua healthspa fitness center, hair and beauty salon, indoor and/or outdoor swimming pool with water slides, cinemas, casino, gym, basketball courts, pool tables, ping pong tables, and other sports facilities, a library, a mini golf course, wall climbing and zip line facilities, and so forth. There is no doubt about the fun and adventure that a cruise holiday can deliver, provided that no tragedy occurs which can turn a jaunty experience into a nightmarish one.
Though cruise ship tragedies rarely occur, the effects can be devastating if one ever happens. While the usually identified causes of sea accidents are hurricanes, sea storms, rogue waves, collision with another sea vessel, running aground, striking an iceberg, attack by sea pirates, virus outbreak and fire, the most common among these would seem to be cruise ship fire.
A fire onboard can leave a cruise liner floating in the sea without power, air-conditioning and/ or a working septic system. Most fires start in the engine room, due to a leak in the fuel oil return line; however, there have also been instances when fire started in the generator room, boiler room or cabin.
In the event of an accident, filing a civil lawsuit for the compensation that a victim is legally allowed to receive is not simple, though. This is because besides the statute of limitation, or the duration of time within which the lawsuit will need to be filed, there is also the concern of jurisdiction, which means where a lawsuit may be filed.
Cruise ships indicate in their ticket contract the forum selection clause, which identifies the only place where a lawsuit may be filed; many cruise liners name the US District Court (in the Southern District of Florida) for this concern. If the accident occurred on land, during a shore excursion, however, then the details leading to the filing of a lawsuit can change altogether. Thus, due to the complexity and unique conditions of the maritime law, being represented by a personal injury lawyer becomes an absolute necessity, especially if the injured victim is not a resident of the state where the lawsuit has to be filed.Read More