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Category Archives: Business Law

  • The Facts About Cookies

    A cookie is a small piece of data sent from a website and stored on a user’s computer while the user is browsing the site. Cookies are a reliable method of a website remembering important data by recording the browser’s history. This can include buttons they click on and pages they visit, and also cookies remember certain information that has previously been filled in, such as names, addresses, credit card information, and even passwords.

    Session cookies

    A session cookie has a temporary lifespan, which is only while the user is browsing that current session. A user’s web browser will normally delete this cookie at the end of the session, as this cookie has no expiration date. Session cookies do improve page loading speed and are extensively used.

    Persistent cookies

    Persistent cookies have an expiry date, and they will transmit data whenever the user visits the website that the cookie belongs to. These cookies are also called tracking cookies as they can be used by advertisers to build up a user’s history of web use. Persistent cookies are also used to help keep a user logged on to their account, and by remembering data, it is not necessary to reenter information when returning to the site.

    Persistent cookies are used for multiple language sites, as the cookie will remember which language the user selected, and the next time they visit the site, it will appear in their previously selected language. These cookies speed up the browsing process by remembering login information and preferences

    User privacy

    Reputable companies will have a really transparent online cookie policy and the user is always given the choice of whether to accept cookies or not. In 2011, a new law was introduced for European Union countries whereby the user must give their consent to the website to allow the use of cookies.

    Cookie privacy and security

    Cookies are not viruses, they are made up of plain text, and as they are not compiled code, they cannot be executed, or copy themselves, so are not classified as viruses. A cookie can be used for malicious purposes, as it records a user’s browsing history. Unscrupulous web developers can sell this information to Internet marketing companies, however, the new rules make this very difficult, as the user must clearly give their permission in order to accept cookies.

    Ethical transparency

    Ethical web developers will operate in a transparent manner, and will always inform the user that their site uses cookies, while giving an explanation of each cookie used, and what it actually does.


    Cookies are necessary for shopping cart websites, as the cookie will retain the user’s data while they are free to browse different pages of the site. Without the use of a session cookie, any item the user has put in their shopping cart would be lost if they visited another page.

    Managing cookies

    A user can go into the settings of their browser and either delete or disable any cookie. While most web developers use cookies to enhance the browsing experience for the user, some have been known to track a user across multiple sites, thus gaining an insight into the user’s surfing behaviour, and this information can be sold to third party websites for marketing purposes.



  • The Essential Roles and Duties of a Public Adjuster

    It is always a good idea to know just what a claims adjuster does even if you are not making an insurance claim at the moment. By doing so, you’ll be better prepared to recover any personal or business loss should it happen in the future.

    What are Claims Adjusters and What Do They Do?

    Insurance companies employ claims adjusters; however there are also independent public adjusters for example in Miami that you can contract if you need to make a claim on your insurance. These professionals wear many hats but their main duty is to investigate and resolve claims. Their job involves interpreting the policy, investigating and then deciding if the insurance policy covers the loss and how much should be paid by the insurance company.

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    How Does the Claims Process Work?

    The first step is to send a notice of loss. When your property gets stolen or damaged, you will need to call your insurance provider so you can have this loss documented. The notice will give the adjuster information so the investigation for the claim can start.

    The basic information that will be needed when making a claim includes:

    • The time, location and date it happened
    • The type of loss (i.e. bodily injury, property, etc.)
    • Type of insurance
    • The claimant’s contact information. You’ll also need to provide the contact details of the insured and their agents and/or attorney.
    • Witness information

    The adjuster will then begin their investigation covering many steps and stages. They will interview the witnesses, claimants and the insured. The site will also be visited and documented by taking pictures and/or videos.

    Physical evidence will be collected and stored (if applicable) and they will also coordinate with the police to access any evidence or records of the event. Medical records and other information will also be obtained. An expert may even be consulted if necessary.

    If you’re the one making a claim, it’s essential to cooperate with the public adjuster. You can ask for copies of the investigation records if your lawyer requires it. Not cooperating will only slow down the process and it may even raise suspicion about the validity of your claim.

    Once the claim is already approved and authorized, the payment will be given to you promptly. The amount may reflect on liens or deductibles against your property that need to be paid. If you don’t think the amount is fair, then hiring your own independent adjuster may be necessary.

    In any case, if you have an attorney then your lawyer’s name will be noted on the check and you’ll need to sign the release, which will acknowledge that the payment has been received. It may also cover the dismissal of any lawsuits (if applicable). Before signing, it’s imperative that you understand and accept everything that is written in the document because once you sign it, it means you fully accept the conditions stipulated therein.



    Let’s first start by explaining what SSI is. Some of you might be new to this.

    SSI: Supplemental Security Income Benefits. These benefits pay out to those disabled children and adults who need the extra income. If you are 65 or older you can get it without having disabilities. You just have to meet the financial requirements for the program.

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    These benefits can include(but are not limited to) some of the following:

    1) Back pay
    2) Food Stamps
    3) A monthly cash benefit
    4) Medical Benefits

    Myler Disability is one of these companies who advocate for these benefits. If you live in Florida you might want to get in touch with them. See if you qualify for their program and what they offer.


    1) Well, the first benefit is rather obvious. If you are due money from work, money that you can no longer collect due to not being able to work, you might be entitled to it. It all depends on how much the back pay is for. This back pay can help you out with some of those bills you are having issues with. This is beneficial expressly for those who are no longer able to earn a paycheck the way they once did.

    2) Medical benefits tend to come at a cost these days, a very big one. The medical benefits you receive can help you get the medical help you need, not to mention the medications, without breaking the bank.

    3) What about food? The cost of living is constantly going up. Sometimes these price increases do not include buying food. This is where food stamps come into play. There’s no shame in it. You can provide for your family without worrying about where the money is going to come from to cover it.

    4) This is perfect way for those who qualify to receive monthly cash benefits. Some people just can’t afford all they need with the work they do. Some of you might be able to work, it’s just not enough. IF you qualify for this program you can receive an extra $700-1,000 a month. This can go along way to helping out those who really need it. It all depends on what the needs are.


    The bottom line is, these benefits really go along way to help out those who need it. In this day and age where some jobs are scarce and some people just can’t work, SSI can really help. If you are a child or adult with a disability, find out now if you qualify. If you are an adult of 65 or older, you might automatically qualify. Don’t let this wait.

  • Divorce: Financial Fraud That Can and Does Happen

    Have you noticed something fishy going on in the family finances, particularly through the process of divorcing your spouse? You could be the victim of fraud. From hidden assets to misrepresentation, any suspect circumstances should be looked into further. Being educated on possible signs of fraud is key. Here are some warning signs that your no-so-better-half committed financial fraud.

    Be wary of sob stories: Hidden or missing assets and misrepresentation of family income are two common areas of financial management that can leave much more cash going to one spouse than another if not discovered early on. It’s often the case that a divorcing spouse attempts to gain the trust of unsuspecting relatives and friends to help them conceal funds; they often convince them that the other spouse is maxing out the credit cards or stealing money from them. According to Huffington Post, concealment is the cornerstone of fraud.

    Lifestyle and income changes: This is another big sign your spouse could be helping herself to the family nest egg. When one spouse starts living more than comfortably, purchasing cars and new wardrobes, going on vacations, and generally spending outside their normal means, this could be a major red flag of fraud. This is also the more difficult aspect of fraud to prove, but lots of small indications can really add up to the big picture.

    Look for these specific warning signs:

    • Change in confidentiality level between you and your spouse
    • Changes in their behavior you can’t explain
    • Pattern changes which could indicate worsening addiction, for example
    • Rerouted mail to a new location
    • Change in habits
    • Excessive time on computer; secrecy when doing so
    • Increased lying and deception
    • Increase in cash withdrawals from banks and ATMs
    • Concealing bank transactions

    The key here is to clue into this odd behavior sooner rather than later. The longer you wait, the more money that will go missing and the harder it will be to catch him and document the offending behavior. In fact, it may get increasingly harder to access certain records or trace funds with the more time that passes.

    Learn About Dissipation. This is a type of financial fraud that particularly occurs during a divorce dispute. This happens when one spouse excessively and irresponsibly spends money without the other spouse’s knowledge or consent. While the legal definitions vary, all instances involve depletion of  marital assets. Here are some examples to watch out for:

    • Money spent on gifts and trips for extramarital relationships
    • Losses due to gambling
    • Cash loans to others
    • Selling off of expensive assets for much less than the initial value
    • Excessive spending (this can also include business cash accounts)
    • House going into foreclosure
    • Destruction of personal items
    • Failure to maintain marital property

    With all this said, it can be difficult to spot fraud, let alone diagnose it and bring the case to the attention of the authorities. In addition, divorce is a highly volatile domestic situation that involves intense feelings and emotions that can get in the way of properly dealing with fraud. This is why you should keep the number of a securities fraud law firm handy in the event you need someone who specializes in recovering losses for investors. That someone is Paul at Thomas Law Group.

  • Things you are not prohibited to do in Singapore

    You can agree with me that the pleasures of going on a vacation can never be overemphasized nor denied. The peace of mind, the happiness enjoyed from viewing wonderful creatures and the stability of mind that develops as a result of resting and staying away from works and activities that bring up stress is usually outstanding. As a potential traveller or tourist, you may be surprised if I firmly tell you that Singapore is among the most expensive and luxurious countries a person can visit in the Asian continent. You don’t need to panic if you are already stuck in the country as a result of no finance to continue with your vacation or pay for some bills over there; you can obtain short term finance at with no stress. is the website of a company residing in Singapore that is into rendering finance services such as short term finance, secured and unsecured loans to citizens and visitors of Singapore.

    You may have decided not to seek for extra finance aid and staying indoors till your departure date tends to be your next decision (that is if you have made up your mind already). Not to worry, you can still enjoy your vacation because there exciting things and places you are yet to explore for free. Below are some of the freebies:

    1. Baba House

    On Mondays by 2pm, Tuesdays by 6:30pm, Thursdays by 10am and Saturdays by 11am are the visiting days and times at the Baba House. The house is the beautifully re-established Peranakan home close to Chinatown. It offers a good understanding into the luxurious living of a wealthy local family in Singapore and it’s mainly visited during a free hour-long excursion.

    1. The Country’s lots of festivals

    Like the country is aware that there will be people that will come into their country and run out of cash to pay for some place for relaxation – it had to consist of lots and lots of festivals to keep one entertained for free. Some of the festivals are musical and artistic festivals which are in place to entertain visitors for most months annually.

    1. Walk through the southern ridges

    The path of the southern ridges is seemingly among the best walking paths present in Singapore. The part consists of three parks to soothe your desire and also wandered through canopy walks and the lush forest crossing the Henderson Waves. The southern ridges is also known as the highest foot-travelling bridge in Singapore.

    1. The East Coast Park

    The presence of the East Coast Park is to help ease the frustration that will likely set in once you are out of cash, and also to give you the avenue of relaxing under the breezy environment with little or no noise from crowds while working on your tan. There is BBQ pits for your free camping and BYO which is the wing for beer and chicken.

    1. The National University of Singapore Museum

    The local university is known for being the home to a museum which is worth checking out. The university showcases historical objects and also the Lee Kong Chian art gallery and the good news is that it’s free for anybody who cares to visit.


  • US Waivers Application the Way to Live Life with Freedom

    If you want to get a Canadian pardon, there are several things you should know. In Canada, vindications are not a kind of exonerating. Also, the giving of exoneration does not deduce that the wrongdoing did not happen or that the charged was wrongly sentenced. Perhaps, clears are affirmation that the recipients have been of good lead and that past criminal history should no more consider antagonistically them. By searching for a Canadian pardon application you are demonstrating that criminal behaviour is no more a bit of your life.

    By tolerating a reason you are permitted to have your criminal record separate from element criminal records. US waivers application is permitted by the Parole Board of Canada. You ought to finish your sentence then meet specific capability criteria. When you have built up that you meet the benchmarks set by the Parole Board you ought to set up the application. There are three methodologies.

    Do it without anybody’s offer: The Parole Some assistance with boarding of Canada makes it clear that you can deal with an exoneration application in solitude. The fundamental step you can’t do yourself is fingerprinting. You will require a pariah authorized office to handle that movement for you. We are a RCMP authorized association that can give this administration to you. If you have to attempt to handle this system in solitude, download the record suspension application rules.

    Be advised that it is 28 pages including the kind of rules that administration associations are known for. US waivers application program must meet specific capability essentials that are liable to the status of the sentence that was given in court. To end up qualified the sentence must be done and a holding up period must be met in which the competitor has been of “good immediate”. The standard for judging conduct is to some degree subjective yet it is essential that there has been no commitment at all with the law.

    For example, if you have been blamed for a wrongdoing yet found not obligated in court, the Parole Board can use that charge to show that the immense conduct stipulation has not been met. Plus, paying little mind to the way that you have recently been tended to by the police it can be adequate clarification behind the Parole Board to acknowledge that you have not been of conduct. If that happens, the Board will more than likely decreases to give your vindication.

    Realize that it is implausible to guarantee the measure of time it will take to complete your exoneration. Usually required relies on upon the capability rules recorded already. Regardless, expecting that you are starting now qualified it will even now oblige venture to handle the documentation, submit it to the Parole Board, and a short time later sit tight for a response. Any association ensuring for the most part should be kept up a vital separation from. Being permitted exculpation will give a development in confidence, genuine tranquillity and the ability to apply for work and livelihood opportunities understanding that a criminal record won’t hold you down.

  • How myloan helps its customers

    Sometimes, it does not matter how much of an organized and a good planner you are. When you make plans and set your strategy for your finances and other things in life, at one point or another a lot of us feel the need to turn to different loan companies and banks. Getting through life nowadays is a genuine struggle and if your economic condition is a bit weak, then you are going to work even harder and worry much longer. However, there is a solution to get monetary help via loans. Before you sign up for a bank loan or add to an existing loan, it makes sense to think about whether you really need to borrow money or not. In today’s times where economic uncertainty and rising bills have people pulling their hair out, many people are now choosing to pay back money that they’ve already borrowed rather than borrowing some more money.

    People get loans for different reasons. You might need a loan for your house, to start a new business, buy a car or to pay for your child’s education dues. For many students, borrowing money or taking out a loan is a way to pay for their college and university dues. A way to make their college and university dreams come true. However, before filing an application to get a loan, it’s very important to learn the facts and rules about loans so that you can borrow money wisely. Many people are confused about loans and face problems of indecision while setting in which company or organization to take the loan from. Unfortunately, unlike other types of financial aid, loans have to be repaid with some added interest. You can get the best loan rate in Singapore from the myloan company, whose link is as follows: It is a company where they are able to compare and work with a number of 3rd party personal loan providers to make sure that their customers are getting the best loan rate in the market. All of the lenders they work with are recognized firms with the proper and legitimate authorization and have a positive reputation in the Singaporean loans market.

    It may be fairly easier to get a personal loan from a bank that you already have an account with. In such situations you can count on a proper treatment and some additional advantage as well for already being a customer of that bank. In this case, the bank will perhaps want to know what you’re going to use the money for and may even suggest a better loan package for your needs. Just like the borrowing of any other loan, it’s important to choose personal loans wisely and only borrow what you can afford to pay back. It is the most efficient and cost effective short term solution for needing extra cash. Another trick to get the best personal loan deal is by just not accepting the first rate that you are offered by your bank or loan company.

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    The 3 Most Important Differences Between a Private Attorney and a Public Defender

    Pursuant to the Fifth and Sixth Amendments to the Constitution, all defendants have the right to be represented by a defense attorney during all phases of the criminal process. For defendants who cannot afford an attorney, one is usually appointed to them by the state’s public defender office. So, a public defender is a lawyer who is paid by the state to defend people who cannot afford to pay for a private attorney.

    What are the Differences Between a Public Defender and a Private Attorney?

    There are 3 fundamental differences between a public defender and private attorney:

    1. Choice: Like everything else in the world, you may have a good lawyer or bad lawyer, and this is often a matter of choice. However, you don’t get to choose your public defender. When you elect to go with a public defender, you will typically be stuck with whoever is assigned to your case, from the beginning to the end. Be assigned a bad public defender, and you may regret it for the rest of your life. On the other hand, you get to choose a private attorney based on who you believe will be committed to obtaining the best results possible for your particular situation. Having a choice in who defends you is extremely important.
    1. Attention: In most cases, a public defender doesn’t start working on your case until the first time you meet in court. He or she will be juggling several different cases and only have time to speak with you briefly before moving on with your case. However, a private attorney will begin working, investigating, evaluating evidence, and speaking with witnesses from the moment he gets involved with your case, which may be long before your first court date. This is a huge benefit in terms of preserving evidence and making sure you have every advantage possible.
    1. Accessibility: Public defenders are hard to reach. They often have major caseloads and are in court almost every day of the week. So, they simply won’t have the time to call you back, answer your emails and address all of your questions. However, throughout your case, you will have a lot of stress and undoubtedly a lot of questions, and getting answers to these questions without having to wait days or weeks will make the process a lot less stressful for you and your family.

    So, realistically, there is no comparison between a public defender and private attorney––you are much better off with a private attorney. If you are trying to decide between going with a public defender and hiring your own attorney, you should consult with a number of private attorneys before making your decision. You just may find that are not as expensive as you think.

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    Aviation Law – The Basics You Should Know

    Many times, lawsuits are complicated but when you are talking about aviation lawsuits, the situation can be even more complicated. This is the reason why you need to hire an expert that specializes in this area of law that will be able to help with insurance to make sure you are covered in the event of anaccident.

    With aviation law, many aspects need to be taking into consideration. This includes procedural issues when international flights were involved or taxation issues when buying an aircraft.

    Aviation law is a specialized field and an aviation lawyer represents families in the tragic effect of an airplane crash. You need a specialist on your side when you are the family member or an accident victim and when you are fighting for justice and looking for answers.

    An aviation lawyer is also a professional that will assists when you are buying an aircraft that needs to be insured.

    General aviation rules are subjective to most civilian uses of aircraft. This, however, does exclude an aircraft operated by the military or major airlines that transport cargo or passengers. General aircraft also does not include commercial aircraft operation that is controlled by a carrier.

    Aspects of General Aviation Insurance Rules

    Insurance is required in general aviation and the proof of the insurance has to be presented in the plane. The fact is that when you insure your plane, you need to make sure that you have insured the planned flight and/or equipment for the correct amount. This amount is determined by the categorization of the aircraft.

    Some of the insurance requirements of all general aviation are common, regardless of what aircraft you may own. One example is hangar insurance. You also might have to obtain insurance for a place you use as storage or that you use for maintenance proposes.

    In the case where you do not own a plane but leases it, the leasing company might have their own set of requirements that they demand in terms of insurance coverages that have to be met.

    You also have to keep in mind that some aircraft like “ultralights” are not officially classified as an aircraft according to the FAA but seen as vehicles. These aircraft will have special insurance rules you have to look at when purchasing one.

    International Liability Insurance

    If you are flying outside the US, you are going to pay more for insurance and the insurance requirements do become more complicated. Now, insurance values are calculated in SDRs (International Monetary Funds), which increased insurance rates substantially. In the European Union and Canada, you have to pay at least one million US dollars for a minimum liability cover, based on the lightest aircraft possible while the heaviest general aviation plane will make you cough up more than $116 million for liability cover.

    When you are thinking of purchasing an aircraft or you need insurance advice on general aviation, retain the services of an aviation lawyer. This step will save you money and headaches in the feature.

  • How can trust deeds benefit you

    Mortgage, trust deeds, power of attorney, all sounds good and bad at the same time. They are good in a sense if you are getting the benefit from it and bad in the sense that they can cost you your fortune as well. These legal documents are so powerful that a single attempt of misusing it can make you homeless in a day. Many of you might be laughing about how can they make us homeless and all but think again. Thousands of companies get bankrupt due to their loans and the only solution they find is to sell it to the creditors. These are the rise and fall that one has to face in the world of business.

    Coming back to the topic, how can one get benefit from these documents if they can cause that much trouble? In order to understand it, we have to move back to the core. What is a trust deed? As its name shows it is a deed (or surety in simple words) of trust, which affirm the other party that the borrower will return the money in time. In this type of agreements, three parties are involved. One is the borrower, who need a loan another is the lender who lend the loan and the third party is known as trustee, which holds a special place in this type of agreements. When you borrow a loan, part of your property goes to the trustee as a surety that you will return the loan in time. That trustee is a third party having no concerns with the borrower or a lender that means it you are not viable to injustice regarding your property and loan. But if you don’t return your loans on the given date, the trustee has the right to do whatever he likes to. He can sell it privately or auction it publicly; it solely depends upon his will.

    There are always two sides of a picture, one can be judged by everyone, but there is one side which can only be seen by a wise. If trust deeds are harmful and giving us a lot of damage, then why is it here? Why people are getting it if they are damaging them? Are they crazy? In actuality, they are not. They are those people who know its advantages as well and they are using them for their own good. Yes, it can give you a lot of benefits too. The top most benefit you can get from this deed is that after signing this deed, all the debts get frozen on that loan. Yes, no more extra amount of money. This is not even available in banks or other organizations. If you don’t believe me, go take a loan from someone, he/she won’t give it without any commission on it. Banks call that commission as interest. The Second benefit that it gives you is that you trustee will deal with the creditor. You don’t have to go every time creditor calls, which make you tension free for a while and you can concentrate on clearing your debts in the first place.