Surviving Hurricane Harvey

Oct 5, 2017 by

When Hurricane Harvey hit, I was in my apartment with my family, which includes my two parents, both my mother and father-in-law, all three of my children, as well as my children and my sister’s family.  

Together, we decided we could ride out the storm. When the storm knocked out the power, the little ones began to get frightened.  The generator would have kicked on, but the apartment manager kept putting off when he was going to get it fixed.  The last thing we heard on the news was how bad the storm was getting.  

We kept looking out the window, watching the water get higher and higher.  Finally, my sister decided that if we saw help coming, we were going to try and flag it down to help us as well.  

Even though we are on the second floor, the water became high enough for a boat to literally float up to our front door.  As calmly as we could, we managed to fit our whole family into two decent sized watercrafts that were making their way past our apartment complex.  We were only able to take with us what could go in our pockets and on our backs.

Once safely on the boat, I got a call from the lady, whose house I clean, saying that she and her family just had their house flooded.  They live in the area that is not supposed to suffer from the storm, near the reservoirs.  My boss wanted me to come over and help clean up the mess.  I had to deny her request, as there was no way I could get there without the bus, let alone in these conditions.  She was furious at me, more than usual.  

On the next day, after we reached a sheltered on dry land, everyone is thankful to be safe.  

The next day, we received a phone called from our landlord, telling us that, not only will we not be reimbursed for these days that we are unable to stay in our apartment, but we are all being evicted because we are unable to go to work and receive our paycheck for this month.  To make matters even worse, if we do not return to the apartment tomorrow, our belongings will be taken away, to allow for new tenants to enter the apartment, as soon as the water damage is cleaned up.  We will not be able to return home to collect our belongings because we are only here on dryland because of the generosity of others, and we would need to rent a moving truck, which people are not doing right now, to move all of our stuff.  

We’ve been seeking a reservoir claims attorney to help us out of this mess, but the search is slow-going.

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Business Bankruptcy: What are Your Options?

Jun 29, 2017 by

Your business can experience bankruptcy because of many reasons. Maybe the start-up cost is too high for you to get back easily. Maybe the profits are not significant enough to cater to the debts. Maybe the costs of operating the business doesn’t give you much financial leverage.

You may be bankrupt for different reasons, but one fact still remains – you need to solve it now. Below are some of the options you have if your business is in a crucial financial situation.

Filing for bankruptcy

Bankruptcy has always had this negative reputation from business people, but that needs to change. There are instances where bankruptcy is the very thing that will save them from their financial troubles.

There are different kinds of business bankruptcy, including Chapter 7, Chapter 11, and Chapter 12 – each has its own financial strategies and advantages. For example, the website of these Raleigh Chapter 11 bankruptcy attorneys has mentioned that Chapter 11 bankruptcy involves the restructuring of debts. This has various benefits, including protections against creditor harassment, keeping the business afloat during the bankruptcy process, and obtaining loans at favorable rates.

Negotiating with creditors

Chapter 11 bankruptcy is more about higher interest rates and lower payments, and though that is a viable option, it can also be expensive out front or in the long run. Negotiating with creditors without going to the bankruptcy court may be an alternative. You can do this by convincing all your creditors with a sound plan to restructure your business and cash flow, in a way that they will agree to renegotiate your payment plans.

This usually involves feasibilities regarding cutting costs of operations and selling assets that your business can live without. The only drawback here is that you should be convincing enough for all your creditors, because if you fail, the renegotiating may not take place.

Using ABCs

According to the website of the Bradford Law Offices, PLLC, Chapter 7 bankruptcy involves the selling of assets and using the proceeds to pay back the creditors.

However, there is an alternative to this known as the ABC, or the “assignment for the benefit of creditors,” wherein a business will be allowed to sell its assets on its own, unlike a Chapter 7 bankruptcy that may require a trustee to monitor the sale.

The obvious advantage here is that the business can ask for a bigger sale price, because it likely knows the nature of the industry it thrives in and has an idea of current pricing. Letting the business owner – you – handle the sale also makes the process less stressful for creditors, not to mention that the additional control will help you target more specific debts, like those that you may be personally liable to.

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Why You Need Regular Dental Checkups

Apr 29, 2017 by

Why You Need Regular Dental Checkups

Going to the dentist is not particularly exciting, but it may be necessary every six months or so. This is to diagnose any dental problems you currently have, detect upcoming problems, prevent further problems from developing, and maintain your teeth and gums so problems won’t develop in the first place.

If you are thinking about skipping that dental appointment next week, just because you are busy at work or nobody else is going to look after your child, think again, because the risks may be bigger than what you realize.

Buildup of Plaque

No matter how efficient and frequent you brush and floss your teeth, these devices can’t comfortably access certain areas in your mouth, so you are still prone to plaque buildup. Plaque and food combine to create acids that may be harmful for your teeth, resulting into cavities and other dental problems. A regular dentist appointment will ensure that your mouth will not experience a buildup of plaque, and avoid all consequences associated with it.

Teeth Condition

Toothaches are uncomfortable enough to affect your productivity in school or work. However, they are not merely inconveniences, because they may be a sign that something is wrong with your teeth. This is also true on instances where you feel pain whenever your teeth contact with hot or cold products. Usually, the problem is tooth decay, and the worst tooth decays end up with tooth extractions. To know the condition of your teeth and prevent tooth decay, it is best to go to the dentist regularly.

Gum Condition

Gums are often overlooked by ordinary people when it comes to dental health, but they are just as important as teeth. If your gums appear inflamed or if you feel pain in your gums, there might be a problem, such as gingivitis. This may result from the buildup of plaque and bacteria, which may infect the gums and cause pain and bleeding.

Cosmetics

Your teeth and smile can make or break your overall look, and they may affect your self-confidence and self-esteem. Getting regular dental appointments mean that your teeth and smile are always at their best. The website of Dental Expressions by Dr. Gary Bram features photos of how healthy teeth and gums can make a difference. This just proves that going to the dentist is not just about health, as it is also about physical appearance.

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The Dangers of Lead in Everyday Products

Feb 16, 2017 by

Every parent wants to protect their children from the dangers of the world. All too often, however, those dangers are already present in your household, potentially in the very toys you buy them. According to the Centers for Disease Control and Prevention, despite the United States banning the manufacturing of lead-based products in toys and other household items in 1978, lead continues to be present in some toys that have been imported from other counties outside of the ban. In addition, there is no law prohibiting the use of lead in plastics. Given the prevalence of imported goods in the U.S., particularly manufactured products such as children’s toys, this is concerning information for a number of parents. More concerning is the difficulty in testing products for lead and the lack of symptoms associated with initial lead poisoning. As the CDC again notes, the only way to check a product for lead is from a certified laboratory test, and most children do not have symptoms from lead exposure and require a blood test to reveal that lead is present at all.

Because lead is not detectable without these tests and poses such serious risks, it is important to research your product brands ahead of time, their history, and the place of manufacturing. Some brands and products take extra care to avoid such harmful substances while others do not, making research imperative to reduce your chances of exposing yourself or your family to lead. If you believe that you or your child has already been exposed to lead, go seek medical help immediately. Lead may be undetectable in most household settings, but this in no way lessens its potential deadly effects, and any indication that lead may be present should be taken seriously, and action instantly sought. For more information on how to protect you and your family from the dangers of lead and other harmful substances in your household products, visit http://www.rrs-law.com/.

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Operating a Big Rig while Alcohol-impaired: Truck Drivers Should Know Better

Dec 4, 2016 by

As reported by the National Transportation Safety Board (NTSB), use of alcohol and drugs by truck drivers is the second most common cause of accidents involving big rigs, 18-wheelers, semi-trailers or trailer-trucks. Due to the enormous size of these vehicles, an alcohol-impaired driver behind the wheel completes the threat of a possible accident that can easily result to severe injuries or death (impaired-driving refers not only to alcohol intoxication but also to the use of illegal drugs (narcotics) or legal drugs (over-the-counter and prescription medicine).

Operating Class 8 trucks, which include big rigs and other commercial vehicles with a gross vehicle weight rating (GWVR) above 33000 lb., requires that the driver has a commercial driver’s license, possesses the necessary skills in the safe operation of a truck, is not feeling fatigued or sleepy, and is not impaired or intoxicated.

To make sure that truck drivers do not sit behind the wheel impaired, the government has set 0.04% as their legal blood alcohol concentration (BAC) limit. A driving under the influence (DUI) charge and heavy punishments will be faced by those who will be caught with this BAC level while driving. Those who will register a 0.02% BAC level when pulled over or checked at sobriety checkpoints may not be charged with a DUI offense, however, they can still be issued a 24-hour driving suspension. These limits, by the way, are only for drivers who will be discovered to have said BAC levels while operating a truck; those who are off-duty, but register a 0.08% BAC may still incur a DUI charge.

Despite the BAC limits and the anti-drunk driving laws, data shows that prior to crashes, many drivers were either intoxicated or alcohol-impaired. This is because many drivers consume a bottle or two during stopovers, some also choose to bring along extra bottles which will keep them company during the long, tiring and lonely long drives between counties.

For drivers of big rigs, staying sober while on duty is a legal responsibility. It has been explained, time and again, that alcohol- impairment can lessen their ability to safely operate their truck. The risk of injury and death, especially to drivers and passengers of smaller vehicles, is the reason why drunk-driving has been made illegal. According to the National Highway Traffic Safety Administration (NHTSA), about 5,000 small vehicle occupants die every year in accidents where trucks are involved; number of deaths among truck drivers, on the other hand, number to about 700.

As explained by Evans Moore, though the threat of truck accidents may be significantly mitigated by trucking companies that uphold safety standards and drivers who are well-trained, there are still operators who pose a threat by driving under stressful or dangerous conditions. Serious lapses in judgment contribute to truck accidents with some regularity. Sadly, the injuries often sustained in these accidents are severe and can leave victims and their families without any real means of covering the financial burden associated with the recovery process.

To be able to pursue the compensation that can help truck accident victims get the medical treatment they necessarily need to have, representation from a seasoned personal injury lawyer may prove to be an advantage.

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