Consumer bank account transaction resequencing multiplies overdraft fees Article provided by Bohrer Law Firm, L.L.C. Visit us at http://www.bohrernationallawfirm.com The order in which a bank posts a customer's daily transactions to his or her account can make a huge difference financially when not enough money has been deposited to cover them all. The transactions can be reordered to either maximize fees for the bank or minimize the financial blow of those charges to the consumer, or they can be processed in the chronological order they were made. Pro-bank posting ...

Special needs trusts provide needed income for disabled children Article provided by Law Offices of Alice A. Salvo Visit us at http://www.salvolaw.com Raising a disabled child comes with a lot of extra responsibility. When the child is young and living at home, his or her parents can be depended on to provide the necessary financial support. However, it is extremely important to plan for the inevitable and put an estate plan in place that will allow the disabled individual to remain well taken care of once his or her parents pass away. The best way to do this ...

Keep Important Estate Planning Documents Up to Date Article provided by Kennedy & Associates Visit us at http://www.houstonestateplanning.com Every Texan needs to create and maintain certain legal documents in order to assure security for oneself and loved ones. At a minimum, these are some of the most important documents estate planning attorneys recommend having in place: -An Advance Health Care Directive -A Durable Power of Attorney -A will An Advance Health Care Directive provides instructions to health care professionals, to be used when the patient ...

Employers must maintain workers' compensation coverage Article provided by Sacks & Zolonz, LLP Visit us at http://www.sackszolonzdefense.com/ California employers must keep up with changes in the law that governs workers' compensation. A new wrinkle in the law went into effect on January 1, 2013. About workers' compensation California and most of the rest of the nation instituted workers' compensation programs about a hundred years ago. This "safety net" program ensures that workers receive treatment for injuries and illnesses incurred on the ...

Workplace discrimination claims trouble employers Article provided by Sacks & Zolonz, LLP Visit us at http://www.sackszolonzdefense.com/ The statistics are in from the U.S. Equal Employment Opportunity Commission: California ranks high among the states for the number of discrimination complaint filings in 2012. With almost 7,400 total allegations of employment discrimination within its borders, California's total came in behind only Texas and Florida. The EEOC logged 8,929 complaints from Texas and 7,940 from Florida. Types of employment discrimination The ...

What every new Connecticut business owner must know Article provided by Aeton Law Partners LLP Visit us at http://www.aetonlaw.com Although being a successful business owner is looked upon by many as the epitome of the American dream, the process of making it a reality is often grueling. If this is your dream, know that in addition to the many challenges associated with starting a business, you must clear a number of legal hurdles before seeing your hard work really pay off. Connecticut works to help start-ups Recently, Connecticut became the third state in ...

California Workers' Comp Institute reports on carpal tunnel claims Article provided by Law Offices of Thomas Hoegh Visit us at http://www.hoeghlaw.com Carpal tunnel syndrome is common work-related injury. When an individual acquires carpal tunnel syndrome through his or her work, the worker may be able to obtain workers' compensation benefits. A recent report from the California Workers' Compensation Institute provides details on workers' compensation claims for carpal tunnel syndrome in California, showing the increasing occurrence of this type of injury and the ...

Chapter 7 or Chapter 13: Which bankruptcy plan is right for me? Article provided by The Law Offices of Richard B. Rosenblatt, PC Visit us at http://www.rosenblattlaw.com If you are thinking about bankruptcy as an option for financial recovery, you should understand w method of filing is best for your particular situation. The two main types of personal bankruptcy are Chapters 7 and 13. Chapter 7 is generally used to wipe out unsecured debts like credit cards, medical bills and particular types of personal loans. Filers might be unemployed or work jobs that leave ...

Gov. Cuomo proposes major reforms to New York workers' compensation Article provided by Silverman, Silverman & Seligman, P.C. Visit us at http://www.thesilvermanfirm.com New York law requires all employers to carry workers' compensation insurance to provide medical, disability and wage loss coverage to employees who are injured in work-related accidents or who develop occupational diseases. Workers' compensation is a no-fault system, meaning that workers are entitled to compensation even if their own negligence played a role in causing the injury. In addition, ...

Georgia to consider banning hand-held cellphones while driving Article provided by Burke Lasseter LLC Visit us at http://www.burkelasseterllc.com According to recent reports from the legislature, Georgia is considering toughening its distracted driving laws. Rep. Rahn Mayo has introduced legislation that would ban drivers from using hand-held cellphones. Although the proposed legislation would ban people from using hand-held cellphones, it would allow hands-free devices. Rep. Mayo has previously tried in the past two years to gather support for a similar bill, ...

How zoning laws apply to current and future property owners Article provided by Bernstein & Feldman, P.A. Visit us at http://www.bflaw.com Cities, counties and states across the country use zoning rules to shape future property development inside their borders. Zoning laws tell property owners what they can and cannot do to develop their properties. However, zoning laws are not set in stone and owners are able to petition their local governments for an exception or challenge them if they believe zoning laws are too restrictive. Zoning law basics The aim ...

Child support calculations in California Article provided by Fleischer & Associates Attorneys at Law Visit us at http://www.fleischerlawoffice.com To the surprise of many observers, the recent divorce of Katie Holmes and Tom Cruise appeared to be handled with relative ease, including child custody and support arrangements for their daughter, Suri. But for most people, rich and famous or not, divorce is almost universally stressful. From the division of assets and property to the determination on spousal support and more, divorcing couples must work through ...

Investigating financial crimes is a tricky business Article provided by Ron Cordova, Attorney-at-Law Visit us at http://www.roncordovalaw.com "Serial market manipulators" is the way federal prosecutors described the 14 people recently indicted for conspiring to manipulate publicly traded stock prices and bilk more than 20,000 investors of over $30 million. These white-collar charges are so egregious that if convicted many of these defendants face up to life in prison. The government alleges that these defendants worked together to purchase stock in ...

Divorce does not have to end successful parenting Article provided by Abernathy, Story, Stovall, Hood, Harris, Garner, Ashworth and Campbell Visit us at http://www.williamsoncountyattorneys.com Children are impressionable beings. The relationships they form have great effect on their lives and on who they become. Whether a child grows up in a traditional family or a non-traditional family, divorce can be a difficult experience for them. But there are many success stories of parents getting divorced and still maintaining good relationships with both their children ...

The appeals process Article provided by Rose & Rose Visit us at http://www.kenoshacriminalfamilyattorneys.com In Wisconsin, a case is about to make its way in front of the Wisconsin Supreme Court. The case involves a man who is accused of sexually molesting his 15-year-old stepdaughter over a dozen times. The issue on appeal is whether or not the step-daughter must release her medical records prior to being allowed to testify in the case. Last fall, the Racine County Judge ruled that he would conduct an "in camera review" of the medical records, ...

The life-long stigma of being a sex offender in New York Article provided by Law Office of James W. Winslow, P.C. Visit us at http://www.winslowlawoffice.com Two trailers in the infamously wealthy community of Southampton, New York symbolize the struggle communities in New York and throughout the nation face when it comes to deciding where to let convicted sex offenders live. The stark reality is that few people, if any, want to live next to a sex offender. But they have to live near someone and with as many restrictions as there are on how far they can reside from ...

Kansas child custody and visitation Article provided by Stockton Law Office, LLC Visit us at http://www.stocktonlaw.com/ Child custody and visitation is an important part of many divorces. In Kansas, joint custody is often awarded so both parents share rights regarding the child. It is usually best if the parents can come to an agreement about how they will share rights and access regarding the child. However, if they cannot agree, a judge will make a child custody decision for them. The types of child custody in Kansas There are several types of child custody ...

Bankruptcy may not be the only option Article provided by Cunningham & Chernicoff, P.C. Visit us at http://www.cclawpc.com When an individual is incapable of meeting his or her financial obligations, bankruptcy is perhaps one of the more familiar remedies. However, bankruptcy can have some negative consequences: it may injure a person's credit score, and may not actually bring about the intended results, particularly if a person has mostly secured debts, such as a home mortgage, which the person cannot afford. Debtors seeking an alternative to bankruptcy may ...

The importance of putting contract terms in writing Article provided by Law Offices of Kenneth T. Wasserman Visit us at http://www.kenwasserman.com People in New York make contractual agreements every day--some oral, some written. Though certain oral contracts are enforceable, it is important to have a contract in writing. A potential problem with oral contracts is legal enforceability related to evidence of the terms of the contract. In the case of a breached oral contract, terms that may have once been obvious may not be remembered by both parties, and the lack ...

Comparison of LLP's and LLC's in New York Article provided by Law Offices of Kenneth T. Wasserman Visit us at http://www.kenwasserman.com New Yorkers know starting a new business is a huge undertaking. Limited liability partnerships and limited liability companies are two business entity types available to New York residents contemplating starting a new company. Both options provide protections similar to those of corporations, such as limited liability which protects owners from being personally responsible for the liabilities of the company beyond their contributions. Whether ...

Intricacies of bankruptcy law Article provided by Coan, Lewendon, Gulliver & Miltenberger, LLC Visit us at http://www.clgmlawoffices.com/ Unfortunately, with the current economic state, bankruptcy is a reality for far too many Connecticut residents. Of course, bankruptcy is not an appropriate solution for all people facing financial hardships. Given the ramifications associated with filing for bankruptcy, it is important that individuals thoroughly assess the entirety of their financial situation before deciding what will be the best for their financial future. Generally, ...

Texas law presents unique property division issues during divorce Article provided by Lindsay, Lindsay & Parsons Visit us at http://www.llptx.com/ Dividing assets during divorce is difficult. Not only does the couple need to take into account all the assets they own, they also need to determine a value for all these assets and any existing debts. The couple also needs to follow the rules set out by state law in dividing the property if they cannot come to an agreement on their own. The laws of every state vary and are often complex. Texas offers an especially ...

California Neuropsychologist brings attention to dangers of head injuries Article provided by Day, Day & Brown Visit us at http://www.daydayandbrown.com/ A California pediatric clinical neuropsychologist, Dr. Catherine Broomand, was recently awarded for her work in educating health care systems throughout the Sacramento area on the complications tied to traumatic brain injuries or TBIs. According to experts with Mayo Clinic, these complications can include degenerative brain injuries. Scientists and physicians are not the only one's spotlighting the long-term ...

Agencies file friend-of-the-court brief on debt collection practices Article provided by Ferguson Scarbrough Hayes Hawkins & DeMay, PA Visit us at http://www.fspa.net The Federal Trade Commission (FTC), the U.S. Department of Justice, and the Consumer Financial Protection Bureau (CFPB) recently filed a joint amicus curiae, or friend-of-the-court, brief with the Supreme Court of the United States. The brief urges the court to protect consumer's rights under the Fair Debt Collection Practices Act (FDCPA). Brief overview of the FDCPA The FDCPA protects consumers ...

Ellicott City based lawn services company, Choice Services Lawn Care, releases their first video promoting their lawn services for Howard County and surrounding areas. The video can be found on his YouTube Channel at: http://www.youtube.com/user/ChoiceLawnCareMD Choice Services is a woman-owned business that provides not only lawn care and landscaping services, but driveway seal coating and even home improvements. They work for residential and commercial clients in the Columbia, Ellicott City, Mt. Airy and other locales in the region. The video is a recap of their ...