The scourge of the foreclosure crisis has affected millions of middle-aged Americans, but little has been reported on the most vulnerable homeowners; elderly Americans. According to a recent report by the American Association of Retired Persons (AARP) millions of older homeowners are at risk. Among the report's findings, nearly than 600,000 people age 50 and older are facing foreclosure, and an estimated 625,000 are at least three months behind on their mortgage payments. The proportion of delinquent loans held by older Americans has increased by 450 percent over the last ...

Is occupancy of a home by the first owner a condition precedent to denying a subsequent owner a claim for implied warranty of habitability? This question is posed by many subsequent homeowners for construction defects against original builders. The answer in short is yes. The subsequent homeowner cannot bring a construction defect claim against the original builder, unless the defects from the current seller are not readily visible or discoverable. This is the classic, patent v. latent argument in construction defect and real estate in general. In Colorado, under the ...

Now that graduation season has come and gone, and summer party season has begun, it's important for parents to be aware of issues related to the use of false identification among young people under 21. The use of fake IDs among young people is pervasive. The internet has made obtaining one easier than ever, while better technology has enhanced the quality of fake IDs. Millions of teenagers and students younger than 21 years appear to believe that the rewards outweigh the risks of getting caught. People in this age group drink over 10 percent of the alcohol consumed in ...

For the second year in a row, Manuel Dobrinsky, of the South Florida law firm Freidin - Dobrinsky, has been named a Top Civil Trial Lawyer by Florida Trend magazine. Dobrinsky is a board-certified trial attorney in Florida and represents individuals in medical malpractice, auto accident and wrongful death cases. Joining Dobrinsky on the list of Florida's Legal Elite and also named a Top Civil Trial Lawyer is Randy Rosenblum, of Freidin - Dobrinsky. Rosenblum concentrates his legal practice on helping those who have been injured due to medical malpractice or a motor ...

Simplify the issue. That's the advice often given to prosecutors who must try white collar criminal charges before a jury. White collar crimes often involve complex concepts and evidence. Many prosecutors are hard-pressed to understand the complicated financial scenarios involved in some white collar crimes. If a case is headed to a jury, whether in Florida or elsewhere, the prosecuting attorneys may have the difficult task turning thousands of pages of financial records, accounting procedures and other complex evidence into information that a jury of laypeople can easily ...

A wrongful act, a negligent act, a violent act or neglect that results in death may give rise to a wrongful death lawsuit in Pennsylvania. A wrongful death may be the result of a motor vehicle accident, medical malpractice, poorly maintained premises or even a workplace accident. Who May Bring A Wrongful Death Lawsuit In Pennsylvania? The personal representative, the administrator of the estate or the executor of his or her will is the appropriate person to bring a wrongful claim on behalf of another in Pennsylvania. If a wrongful death claim is not made within six ...

Remodeling the kitchen before the influx of guests for holiday parties and gatherings means starting early to avoid delays that ruin your holidays. Craftmark Solid Surfaces understands that you want your new Atlanta granite countertops in place before your relatives descend on your home en masse. Knowing what a critic Aunt Rose can be, the kitchen remodel must be done on time. To ensure that it is, get started with your pre-holiday remodeling project now. Whether it's Atlanta quartz countertops for the bathroom vanity or a new granite countertop for the kitchen butcher ...

EchoSpan was the first, and so far only, professional management software company to develop an iPad-centric version of its Web-based 360-degree feedback tool. The reasoning is simple: tablet technology makes it easier for on the go executives to conduct employee performance reviews wherever business takes them. In the last year, the company has seen tablet traffic for its programs more than triple and traffic is up fifteen times over what it was two year ago. Catching that technology trend early means that EchoSpan can provide the tools your company needs to offer 360-degree ...

Atlanta tree removal company Yellow Ribbon Tree Experts cautions Georgia homeowners to be wary of drought stress in their trees this summer. An unusually dry winter, coupled with several years of overall drought conditions in Georgia and the heat of the summer sun, is putting trees at risk. Drought stress is a tree's natural response to prolonged drought conditions. These conditions can be difficult to spot immediately, but over time, leaves and needles may wilt, unseasonably change colors, or appear to be scorched on their edges. If severe enough, drought stress can ...

Online college degrees portal Universities.com wishes to warn students and potential students about the growing presence of unaccredited universities. The company encourages students who are looking for a new school to seek out only accredited universities when pursuing their higher education goals. Many unaccredited "universities" use the internet to con potential students into paying for online degrees that ultimately are worthless. Often, these "diploma mills" are easy to recognize because they promise degrees much quicker than traditional colleges, ...

Getting hitched means one last hoorah for many bachelors, and the professional team at Topper Worldwide, a leading limo service in Atlanta, wants to ensure that this last hoorah is memorable. Topper Worldwide has a wide range of party buses available for your next bachelor party. Why just settle for a taxi or a designated driver when you can rent a party bus and everyone can have a good time? Topper Worldwide has been providing limos in Atlanta since 1996, and the company encourages bachelor party-goers to consider a party bus to get them around town. Topper Worldwide ...

Atlanta tinting company The Tint Guy reminds residents outside the perimeter that the company offers complete residential and commercial window tinting in Marietta. Founded in 1986, The Tint Guy is a family owned and operated company dedicated to providing the highest quality window tinting in Marietta and the Atlanta metro area. As the only full-service 3M window film dealer in GA, The Tint Guy is unmatched in both quality and service for both commercial and residential window tinting. A good quality window tint can very quickly bring measurable benefits to whatever ...

Team Pest USA wants to make sure you're ready for the little surprises that outdoor activity can throw at you. For most people, a bee sting is an unpleasant but bearable rite of passage of childhood, but for those who are allergic to bee stings, the venom can be deadly. Brandon Pelfrey, owner of Team Pest USA, says, "Most people know if they're family members have a bee allergy, but what about your friends or your child's friends? Keeping an epi-pen in your home and car first aid kits can help prevent a tragedy." After a bee sting, pull the stinger from ...

Providence Insurance Group knows that you understand the value of customer service. Every successful small business does. So when you go looking for an insurance broker to handle your small business health insurance, why would you look for anything less? There are lots of Georgia health insurance plans and many ways to find affordable health insurance in Georgia, but the company best suited to your needs is the one that is willing to act as an intermediary between your employees, your company and the insurer. Providence Insurance Group understands that you have a company ...

Plumb Xpress Plumbing and Drain, an Atlanta plumbing company, offers Atlanta residents and business owners a 90 minute response time guarantee. The experienced team at Plumb Xpress Plumbing and Drain understand you don't have time to spare when you have a plumbing emergency, which is why they guarantee a plumber at your doorstep within 90 minutes of your first call. "A plumbing emergency is just that, an emergency. It needs to be handled quickly," states Donnie Herrin, owner of Plumb Xpress Plumbing and Drain, an Atlanta plumbing company. "We understand ...

Atlanta pool service company Pinnacle Pool Services would like to encourage metro Atlanta residents to have their swimming pools inspected on a regular basis. Atlanta pool inspections cover every aspect of swimming pool safety, including water quality, mechanical equipment, structural integrity of the pool, and safety and efficiency of the related electrical and plumbing systems. Each of these systems could put swimmers in danger if they malfunctioned, so it is essential to keep them in perfect working order at all times. A good way to remember to get your yearly ...

The Atlanta painters at The Painting Company are pleased to share with the public the new Pantone Designer colors for 2012. Color isn't just for clothes anymore. Pantone is bringing trendy colors to paint, so you can have a fashionable design. Pantone designer colors for 2012 can bring lots of color to your overall home design, with warm earthy colors, like Tangerine Tango and Ultramarine Green. Honey Gold can soothe and brighten an otherwise dull space. Dark rich colors, like French Roast and Titanium, can give a deep base for your earthy colors to coordinate with. "Pantone ...

Atlanta video production company Optimum Productions encourages business owners to save their companies both time and money by using videos to train personnel. Traditional training tends to involve extensive resources, including your team's time, and ends with less than stellar results. After all, it doesn't matter how fun or interesting your employee training handbook is; if your new employees don't study it intently, they won't retain all of the information. In contrast, employee training videos engage your trainees much more than any handbook could, and a professionally ...

NightVision Outdoor Lighting, an Atlanta landscape lighting company, is pleased to use high-quality Flex LED bulbs in its designs. Durable and long-lasting, the Flex series LED bulb has many benefits for landscape lighting. "Once your landscape is lit, you don't want to worry about changing bulbs frequently," states Lee Davis, owner of NightVision Outdoor Lighting. "The Flex Series LED bulb can remedy that problem, while highlighting only the best of your landscape." The Flex series LED bulbs are very durable, able to withstand the wide range of ...

McCart Insurance, a Georgia health insurance provider and broker of Coventry One health insurance, encourages the public to seek out established, professional health insurance brokers, like the ones at McCart Insurance. For over 40 years, the brokers at McCart Insurance have been providing health insurance for individuals and families in Georgia. They are a leader in affordable health insurance in Georgia and have the know-how to find you the best health insurance plan to fit your needs and budget. "We care about your needs and your budget," states Alicia ...

Estate coffee supplier J. Martinez & Company Fine Coffees wishes to explain to the public the reasons why smaller roasters are currently experiencing a shortage in Kona coffee supply. Kona coffee is in short supply everywhere because the coffee berry borer, a very small beetle native to Africa, has been destroying the coffee in the Kona region of Hawaii since September 2010. The coffee borer can wreak havoc on a coffee crop by boring into coffee cherries to lay its eggs. When the eggs hatch, the borer beetle larvae eat the coffee bean, mature inside, and then mate ...

June marked the grand opening of a new Express Oil Change and Service Center location in Alpharetta, Georgia. In addition to steep discounts on oil change services, grand opening plans included a local radio station broadcasting live, food from local restaurants, and a Braves/Yankees ticket giveaway. The Baseball tickets were to be raffled off to one lucky customer visiting the new location between the opening that morning and 1pm. A Roswell, GA woman pulled into the Alpharetta oil change bay one minute before the closing of the raffle with hopes of winning tickets for ...

Cream Jewelry Best wants you to look your best for a night at the club and is offering a free pair of real diamond hip hop earrings with your $120 purchase to help you look even better. These sterling silver earrings feature real diamonds in a screw back setting, so even when you party all night long, your earrings make it home or wherever else you may go. From bling watches to custom chains, Cream Jewelry Best offers wholesale hip hop jewelry for every occasion. Throwing in the diamond kite earrings with every $120 order is just one way of saying thanks to their customers. ...

Nashville bankruptcy law firm Clark & Washington is offering a free book on famous bankruptcies to inspire those facing financial hardships. The country is going through a rough economic era, and many people feel the strains of a bad economy in their personal finances. In such hard times, Clark & Washington sees Bankruptcies and Money Disasters of the Rich and Famous, the book they are giving away, as a source of inspiration that may help those considering bankruptcy to find hope. Bankruptcies and Money Disasters of the Rich and Famous demonstrates how even great ...

Knoxville bankruptcy law firm Clark & Washington wants to offer inspiration to people who are considering bankruptcy, so they are offering a free book which discusses the bankruptcies of the rich and famous to anyone who would like a copy. With the difficult economy, many individuals and families are facing the difficult realization that bankruptcy may be their best financial recourse. Bankruptcies and Money Disasters of the Rich and Famous, the free book from Knoxville bankruptcy law firm Clark & Washington, is evidence that these individuals and families should ...