You may be covered when it comes to health, life, car or home insurance…
but what about legal coverage?
The question is not if you'll need a lawyer, but when: according to the
American Bar Association (ABA) “Americans have come to view legal
assistance as a necessity”. Yet, most Americans have not used a lawyer
more than once due to the sky high attorney fees – anywhere from $100 to
$1000 per hour – and the trepidation involved in the search for legal
services.
Prepaid legal insurance might just be the answer you have been looking
for. The concept is simple: for a fixed monthly subscription, you get
telephone access to advice from a lawyer. You pay a fixed amount in
advance each month to defray the cost of legal services furnished in the
future. These services span various areas of the law, anywhere from reviews
of simple legal documents and the writing of a simple will to more
comprehensive coverage of trials, divorce, bankruptcy and real estate
issues.
Pre-paid legal coverage is a very attractive proposition for people who
don’t have the resources to retain a lawyer on a regular basis whenever
they need assistance. You effectively have a network of attorneys you can
use as retainer to seek preliminary advice about what the issues are and
how the procedures work whenever legal matters arise. Services not covered
by the plan are available to members for a discount on regular hourly rates
or flat fees.
A hard fact, however, is that more than half of new subscribers drop out of
a prepaid
plan after their first year. One reason could be that many members do not
require any legal assistance during their first year, so opt out. Another
reason is the scope of services offered, which are very basic and limited
in nature. Most plans have certain caps or maximums as far as benefits
provided are concerned, and purport to offer discount on standard attorney
fees instead. However, by virtue of simply calling around by yourself you
could probably negotiate a lower rate.
Another problem with pre-paid legal plans is the likelihood of getting
assigned to a novice attorney. Because of cost considerations, many of the
companies behind per-paid services assign trainee or inexperienced
attorneys to handle phone consultation and drafting of simple legal
documents. You are also less likely to build rapport and understanding,
two of the most important attributes of choosing a good attorney, as over
90% of the work is done over the phone.
Wednesday, March 14, 2012
Tuesday, March 13, 2012
About Politics
What is Politics?
Politics is mainly the method and process of taking decisions for the group. The word politics integrates all the domestic and international policies. These are mainly the activities of government on state level or national level political affairs. Since these are mainly the activities of government this does not mean that only government is responsible for carrying out all politics or government alone is involved in all political matters or politics is always carried out in national or state level affairs.
As defined in very first line politics is mainly the method and process of taking decisions for the groups. So politics can be from any group any group like politics can be from opposition party of the ruling party. Whenever the issue of protection of rights of group of members rises there the politics enters into scene. Politics can affect our system both ways that is negatively as well as positively.
It can affect negatively because many times people leave their jobs due to politics at their workplace which they feel that is just the wastage of time and they should just avoid that it is because they don’t want to waste their time in any other activity except their work. This led to increase of pending of jobs and thus adversely affects the organization.
Sometimes people may also leave their jobs which would result in lose of human resource of the company. Sometimes it happens that people form groups at their workplace and do not want others to join their group and also promote members of their own group against the other members and sometimes they may also try to let down the other members which are not from their groups and which may also cause rivalries between groups in the company and thus the workplace becomes the war place. These type of group rivalries are mostly seen in those offices where lot of people work.
These types of group rivalries are the main reason for collapse of work in the organization because of non cooperation from all the workers of company. Mainly those workers cause problems who are engaged in group politics. But sometimes this politics can also be useful to groups as well as company. Let’s see how:
Politics can also remove the root cause of misunderstandings between the workers and the top management in the organization. Politics can help to prevent the rights and interests of workers in the company.
Politics is mainly the method and process of taking decisions for the group. The word politics integrates all the domestic and international policies. These are mainly the activities of government on state level or national level political affairs. Since these are mainly the activities of government this does not mean that only government is responsible for carrying out all politics or government alone is involved in all political matters or politics is always carried out in national or state level affairs.
As defined in very first line politics is mainly the method and process of taking decisions for the groups. So politics can be from any group any group like politics can be from opposition party of the ruling party. Whenever the issue of protection of rights of group of members rises there the politics enters into scene. Politics can affect our system both ways that is negatively as well as positively.
It can affect negatively because many times people leave their jobs due to politics at their workplace which they feel that is just the wastage of time and they should just avoid that it is because they don’t want to waste their time in any other activity except their work. This led to increase of pending of jobs and thus adversely affects the organization.
Sometimes people may also leave their jobs which would result in lose of human resource of the company. Sometimes it happens that people form groups at their workplace and do not want others to join their group and also promote members of their own group against the other members and sometimes they may also try to let down the other members which are not from their groups and which may also cause rivalries between groups in the company and thus the workplace becomes the war place. These type of group rivalries are mostly seen in those offices where lot of people work.
These types of group rivalries are the main reason for collapse of work in the organization because of non cooperation from all the workers of company. Mainly those workers cause problems who are engaged in group politics. But sometimes this politics can also be useful to groups as well as company. Let’s see how:
Politics can also remove the root cause of misunderstandings between the workers and the top management in the organization. Politics can help to prevent the rights and interests of workers in the company.
About Crime
What is Crime?
In simple words an act or behavior that violates or breaches the rule of political, moral or criminal laws and is liable for punishment and public prosecution.
What are the basic reasons which make a people criminal?
The answer lies in following points like:
Increasing rate of Unemployment is the major problem of increasing crime rate. Consider a situation when the qualified young graduate is remains unemployed for longer period after he completed his education. His family has lot of expectations from him and to satisfy their expectations he can go up to any extent and cross any limit just in desire of small payment. At this stage he is not in a position to make a correct decision between what is just and what is unjust but he don’t want to miss any of the opportunity that life is giving him and in this feeling only he accepts those offers which can change his life and can break their social and moral ethics and they are ready to commit crimes, they are ready to kill a person, they are ready to accept any offer that can prove to be a money earning source for them. And this major unemployed segment of society is the main source for crime. No criminal is by birth a criminal but it is the circumstances which make him do so. But this problem is mainly associated with the developing countries. So what about developed countries? Do they not commit crimes? No they also commit crimes. Even the crime rate is higher in highly developed country like USA than other developed countries of the world.
High ambitions are also the one source for crime. A person who has high ambitions like if he wants to enjoy all the comforts of life or wants to achieve the high status in his life he wanted to complete them at any cost may achieve unfair means to fulfill his wish. To make his wishes come true or to enjoy the luxuries of life he can come in the way of crime as this seems to be an easy money earning source for them and when they do crime for the first time then professional criminals tae advantage of it compel them to commit such acts again and again and now if they want to come back they can not be their way back to path of justice and honesty.
Technology Advancements are also one of the reasons for increasing of crime rate. This is because technology advancements have broadened the mind of people and they now can think better ways of committing crimes. Like most of the young person want to own and make use of highly sophisticated arms. And if they are not made available to them, they think for different ways and professional criminal’s takes advantage of this. Technology advancements have now made the way of criminals easier than before.
Do the allow of guns to people for carry and own will reduce the rate of crime or increase the rate of crime. A study conducted by scholar presents the fact that if people are allowed to carry guns then it will reduce the rate of crime.
In simple words an act or behavior that violates or breaches the rule of political, moral or criminal laws and is liable for punishment and public prosecution.
What are the basic reasons which make a people criminal?
The answer lies in following points like:
Increasing rate of Unemployment is the major problem of increasing crime rate. Consider a situation when the qualified young graduate is remains unemployed for longer period after he completed his education. His family has lot of expectations from him and to satisfy their expectations he can go up to any extent and cross any limit just in desire of small payment. At this stage he is not in a position to make a correct decision between what is just and what is unjust but he don’t want to miss any of the opportunity that life is giving him and in this feeling only he accepts those offers which can change his life and can break their social and moral ethics and they are ready to commit crimes, they are ready to kill a person, they are ready to accept any offer that can prove to be a money earning source for them. And this major unemployed segment of society is the main source for crime. No criminal is by birth a criminal but it is the circumstances which make him do so. But this problem is mainly associated with the developing countries. So what about developed countries? Do they not commit crimes? No they also commit crimes. Even the crime rate is higher in highly developed country like USA than other developed countries of the world.
High ambitions are also the one source for crime. A person who has high ambitions like if he wants to enjoy all the comforts of life or wants to achieve the high status in his life he wanted to complete them at any cost may achieve unfair means to fulfill his wish. To make his wishes come true or to enjoy the luxuries of life he can come in the way of crime as this seems to be an easy money earning source for them and when they do crime for the first time then professional criminals tae advantage of it compel them to commit such acts again and again and now if they want to come back they can not be their way back to path of justice and honesty.
Technology Advancements are also one of the reasons for increasing of crime rate. This is because technology advancements have broadened the mind of people and they now can think better ways of committing crimes. Like most of the young person want to own and make use of highly sophisticated arms. And if they are not made available to them, they think for different ways and professional criminal’s takes advantage of this. Technology advancements have now made the way of criminals easier than before.
Do the allow of guns to people for carry and own will reduce the rate of crime or increase the rate of crime. A study conducted by scholar presents the fact that if people are allowed to carry guns then it will reduce the rate of crime.
Writing A Will
One of the most important legal activities each of us faces is deciding how, after our death, our assets will be used and who will benefit from them. Estate planning and the writing of a will is a deeply meaningful way to make a powerful statement with these assets. However, a great number of people die "intestate" (without a will). When that happens the state or others decide for us where and how the estate will be distributed. If your preferences have not been clearly stated in a will, then it is likely that those preferences will not be carried out. It is, therefore, vital that you have a will. It is a wonderful way of expressing your love to the people and organizations you cherish. It is a way to take control of your assets, and make a positive statement.
Guidelines to Consider When Writing a Will
There are four "P's" of estate planning:
1. People: Consider all the people who are important to you and for whom you'd like to provide. This might include your spouse, children, relatives and friends.
2. Property: Consider all property that you own including bank accounts, real estate, stocks, bonds, life insurance, pension plans and personal property.
3. Plans: Ask yourself how you'd like to provide for the people in your life, and how you can make this happen. Will the people who are important to you be provided for in the future? Will you have enough income to manage during your retirement years?
4. Planners: Who are the people who will help you with your financial goals? Consider attorneys, accountants, bank trust officers, stock brokers and insurance agents to help you meet your financial goals.
Tips on Naming Beneficiaries
Understand the limits of a will.
Know when beneficiaries are required.
Decide who gets what.
Don't name your estate as a beneficiary.
Don't name minor children as beneficiaries.
Consider setting up a trust.
Think about tax ramifications.
Name contingent beneficiaries.
Keep everything up-to-date.
Make copies.
FAQ
Q: I don't have a will, where do I start?
A: As a will is a legal document, it is strongly recommended that you consult your solicitor.
Q: What about home-made wills?
A: Home-made wills can be disastrous. You may omit particularly important details, or inadvertently write sections in a way that can be misinterpreted. Making a will with the help of your solicitor is the only way you can be sure that your wishes will be followed after you die. By drafting a will with a professional, you will save your family a lot of extra worry.
Q: What can I include in my will?
A: Wills aren't solely about passing on your assets. You can also include specific funeral arrangements: for instance, burial, cremation, or the use of your body for medical research. You may also want to appoint legal guardians to care for your children if you and your partner should die before they are 18.
Q: Who do I appoint as Executors?
A: One other important consideration when writing your will is the appointment of your Executors - the people who deal with your estate in the event of your death. Ideally, these should be business-minded family or friends or professional advisers.
Glossary of Terms
Administrators. Those appointed to administer an estate where there is no will or no executor.
Bequest. Same as "Legacy".
Beneficiary. A named individual or organisation who benefits from your Will.
Codicil. A document making minor changes to your Will. Must be signed and witnessed in the same manner as your Will.
Crown. This means the Treasury, where your money will go if you have no next of kin and did not make a will.
Estate. Everything belonging to you, and owed to you, at the time of your death.
Executors. Referred to in your Will as trustees. These are the people you appoint to deal with all your affairs after your death.
Guardians. Those you appoint to care for your children until they reach the age of eighteen years.
Intestacy. A person is said to die intestate if he dies without making a valid Will.
Pecuniary. Legacy Specific sum of money given by a Will.
Probate. A procedure, required under law in most cases, to establish formally whether you left a legally valid Will and who your executors will be.
Residuary Legacy. The residue of an estate, or a share in it.
Residue. The remains of your estate after payment of all debts, expenses, tax and distribution of pecuniary and specific legacies
Specific Legacy. A tangible item, such as a gold watch or an engagement ring.
Testator. The person making the Will.
Guidelines to Consider When Writing a Will
There are four "P's" of estate planning:
1. People: Consider all the people who are important to you and for whom you'd like to provide. This might include your spouse, children, relatives and friends.
2. Property: Consider all property that you own including bank accounts, real estate, stocks, bonds, life insurance, pension plans and personal property.
3. Plans: Ask yourself how you'd like to provide for the people in your life, and how you can make this happen. Will the people who are important to you be provided for in the future? Will you have enough income to manage during your retirement years?
4. Planners: Who are the people who will help you with your financial goals? Consider attorneys, accountants, bank trust officers, stock brokers and insurance agents to help you meet your financial goals.
Tips on Naming Beneficiaries
Understand the limits of a will.
Know when beneficiaries are required.
Decide who gets what.
Don't name your estate as a beneficiary.
Don't name minor children as beneficiaries.
Consider setting up a trust.
Think about tax ramifications.
Name contingent beneficiaries.
Keep everything up-to-date.
Make copies.
FAQ
Q: I don't have a will, where do I start?
A: As a will is a legal document, it is strongly recommended that you consult your solicitor.
Q: What about home-made wills?
A: Home-made wills can be disastrous. You may omit particularly important details, or inadvertently write sections in a way that can be misinterpreted. Making a will with the help of your solicitor is the only way you can be sure that your wishes will be followed after you die. By drafting a will with a professional, you will save your family a lot of extra worry.
Q: What can I include in my will?
A: Wills aren't solely about passing on your assets. You can also include specific funeral arrangements: for instance, burial, cremation, or the use of your body for medical research. You may also want to appoint legal guardians to care for your children if you and your partner should die before they are 18.
Q: Who do I appoint as Executors?
A: One other important consideration when writing your will is the appointment of your Executors - the people who deal with your estate in the event of your death. Ideally, these should be business-minded family or friends or professional advisers.
Glossary of Terms
Administrators. Those appointed to administer an estate where there is no will or no executor.
Bequest. Same as "Legacy".
Beneficiary. A named individual or organisation who benefits from your Will.
Codicil. A document making minor changes to your Will. Must be signed and witnessed in the same manner as your Will.
Crown. This means the Treasury, where your money will go if you have no next of kin and did not make a will.
Estate. Everything belonging to you, and owed to you, at the time of your death.
Executors. Referred to in your Will as trustees. These are the people you appoint to deal with all your affairs after your death.
Guardians. Those you appoint to care for your children until they reach the age of eighteen years.
Intestacy. A person is said to die intestate if he dies without making a valid Will.
Pecuniary. Legacy Specific sum of money given by a Will.
Probate. A procedure, required under law in most cases, to establish formally whether you left a legally valid Will and who your executors will be.
Residuary Legacy. The residue of an estate, or a share in it.
Residue. The remains of your estate after payment of all debts, expenses, tax and distribution of pecuniary and specific legacies
Specific Legacy. A tangible item, such as a gold watch or an engagement ring.
Testator. The person making the Will.
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