Identity Theft

    





    

Identity theft is a growing problem in the United States, occurring in small towns and cities alike. Identity theft, as defined by the federal government, refers to the use of another person's identity or identification to commit crime. Most often, the identity thief uses a person's identity to rob him or her blind, using credit cards or cash to purchase whatever they want.
How often does identity theft occur? Identity theft often occurs from stolen pieces of paper. Wallets are often stolen, and the combination of ID and credit cards can be used to steal one's identity. According to the Identity Theft Resource Center; studies from 2003 show that 7 million people suffered from identity theft within a twelve month period of time, equaling approximately 13.3 people per minute.
There are many things that you can do to keep yourself from experiencing identity theft. One of the first things you can do is protect your social security number. Do not get it printed on checks or on your driver's license. Next, purchase a paper shredder. Once you've purchased it, put it together, plug it in, and use it! When in doubt, don?t toss it out. Shred it! Shred anything with your social security number, name and address, or any other pertinent information on it. In addition, keep a cl ose watch on your checking account and credit card statements. Report anything unusual as soon as possible.
Another place where information can and often is stolen is through the internet. Be sure to protect your password and learn how to place password protection on any documents you feel need secured. Invest in a firewall to keep other computers from accessing your internet connection.
In addition to this, beware of WiFi. WiFi enables individuals to log onto the internet with their laptops at various "hot spots" like coffee houses and restaurants. While convenient, it is imperative that you understand that others are on the same connection with others and thefts can takes place. Avoid checking your bank account information or even logging into your e-mail while on this type of internet connection.

About The Author

Sara Chambers is a marketing consultant and an internet content manager for http://www.identitytheftweblog.com.
saracham@gmail.com

    



    

How to Tell Your Children About Divorce

    




    
Whether your divorce is amicable or contentious, when and how to tell your children can be a difficult issue. Your children may already know that there are difficulties in your home life and marriage, but you may be surprised at the level of their sophistication and knowledge about divorce. Even if they are relieved to hear that a difficult home life is about to change, do not ever underestimate the degree to which your divorce can impact your chil dren. The adults are not alone in feeling the stress and hurt of a strained family situation. You must take special steps to insulate your children and help them through the divorce process.
There is not one simple outline that provides all of the right answers and information on how to guide your children through the divorce process. When and how to tell your children about the divorce will depend upon your individual family dynamics, the maturity of your children, the ages of your children, the conflict level in your house, and your own individual preferences. If you are unsure of how to present this issue, it is a good idea to obtain professional help to do so. Many counselors are well versed in addressing divorce issues with children and they are available to guide you through this process with your children.
The type of divorce situation presenting itself in your family will have some impact on how and when you present this issue to your children. If you and your spouse are amicable, and your divorce is low stress, your children may not even be aware of the possibility of a break up. While that means that the divorce conflict has not impacted upon the children as of yet, it does not mean that it will not. Your children might be even more affected by the news that you are divorcing if they were unaware th at there were problems in your marriage. If you or your spouse has been working with a counselor, either together or separately, that counselor can lay out some simple strategies on how to tell the children. Basic information that you want to discuss with the counselor is whether you tell the children together or separately and what information you can or should give the children about what their living arrangements will be in the future.
It is never acceptable to disclose that you and your spouse are getting a divorce when you are in the middle of a conflict. To place blame on your spouse, or to provide information in a way that conveys blame or fault may make you feel better in the short run. In the long run it will hurt your children, and it will impact your long term relationship with the children's other parent. Also, courts frown on providing children with adult level information and details about your divorce. Do so and you ri sk hurting your legal case, if your divorce will be presented to a judge.
Most counselors will support a joint parental communication to the children about the pending divorce. However, a joint discussion about divorce with the children does require that you and your spouse be able to maintain a basic level of civility, if for no other reason than to maintain your children's peace of mind. If you and your spouse cannot be civil, do not attempt to discuss this issue together with the children.
If your marriage has been rife with conflict, your children may be aware of or even welcoming the relief of a parental separation and/or divorce. Do not be surprised if you find out that your children know more than you thought, even if you have been attempting to conceal the conflict from them.
The issues that your children want to be reassured about involve where they will live, where they will go to school, whether their activities and daily lives will be disrupted, and the degree to which they will be able to maintain their relationship with each parent. Teenagers can be particularly vulnerable and sensitive to disruption in their lives and schedules. If you are able to work out a parenting schedule with your spouse, it is acceptable to share that with the children to reassure them. It a lso can be acceptable to involve the children in the process of setting a schedule. However, that issue can be very delicate. You do not want children dictating to the adults and you do not want the children to have limited contact with either parent.
Above all else, do not discuss marital fault issues or the reason for the divorce with your children. Even if you think that your spouse is the worse miscreant on the planet, that spouse is your children's parent. Your children want to and are entitled to love both parents. That a spouse cannot make a marriage work does not dispossess them of the right to be a parent. More important, it does not dispossess the children of the right to love that parent and have a relationship with the parent.
Consider that you may have a range of reactions from your children about the pending divorce. They may not be surprised. Or, they could be upset and shocked. In many cases, even when they are not surprised, the children might be angry or blame themselves. Work with a professional to address all of these emotional reactions. Your children will adjust to your divorce, if you provide the proper guidance and assistance during that process.

About The Author

Jean Mahserjian is an attorney and the author of numerous websites and books devoted to helping consumers through the process of divorce. To download free excerpts from her divorce and custody books, visit: http://www.millenniumdivorce.com.
jmm@millenniumdivorce.com
    



    

How To Incorporate Yourself Without A Lawyer

    




    

You could save hundreds of dollars by incorporating yourself without a lawyer. How? Is it advisable to do so?
1. This is Not Legal Advice!
The only ones who should be giving legal advice are those licensed to practise law (in other words, only lawyers). This article is not legal advice. If you need legal advice, consult a lawyer.
This article is being written simply to inform you that it is possible to form a corporation or limited liability company without a lawyer.
2. Why Use a Lawyer?
First of all, if you make a mistake incorporating yourself, who do you sue? You only have yourself to blame. On the other hand, a lawyer has insurance to cover errors and omissions.
Secondly, you could benefit from the expertise of your lawyer. Perhaps a corporation isn`t the right vehicle for you under your circumstances. Be aware that there can be disadvantages as well as advantages to incorporating. Your lawyer can consider commercial law, securities legislation, limited liability, tax factors, estate planning, share structure, and a myriad of other business considerations. Sometimes the advice of a good lawyer can save you thousands of dollars.
3. Is it Advisable to Incorporate Yourself?
Is it advisable to perform surgery on yourself? It is illegal to perform surgery on someone else unless you are licensed to practise medicine, but perhaps in a wilderness survival scenario, self-surgery might be your only option. However, is performing surgery on yourself really a good idea in most instances?
Likewise, just because it is possible to incorporate yourself without a lawyer doesn`t mean it is always a good idea.
In some jurisdictions, only lawyers can incorporate others. For a paralegal or other person to incorporate a company for you could be considered unauthorized practise of law. Thus, it may be legal to incorporate yourself but not others.
Some factors you might consider are: Am I really that short of cash that I can`t spend the extra money for good legal advice that may save me thousands of dollars? Am I confident that my situation is one that really doesn`t need the services of a lawyer to incorporate? Can the money saved on legal fees be better utilized in financing other aspects of my business?
Each person will have to make their own decision on whether or not to seek the services of a lawyer in forming a corporation.
"He who has himself as a lawyer has a fool for a client." I have often thought that perhaps a law firm originated this common expression.
4. How To Incorporate Yourself
Many books have been written by lawyers on how to incorporate yourself.
For example, in Canada, M. Stephen Georgas, LL.B., has written books on the subject of forming your own corporation. Published by International Self-Counsel Press Ltd., he has authored "Incorporation and Business Guide for Ontario" ("How to form your own corporation Includes tax advantages to incorporating") and "Federal Incorporation And Business Guide" ("How to form your own Federal corporation under The Canada Business Corporations Act").
The same publisher sells forms and minute books as well as titles for incorporating in other provinces of Canada.
Forms, corporate supplies, name searches, and kits are available from legal stationers and other sources.
In the United States, there are likewise many manuals available for incorporating yourself in various states. "Incorporating Your Business For Dummies" by The Company Corporation and "How To Form Your Own Corporation Without a Lawyer for Under $75.00" by Ted Nicholas are two such books.
Sometimes helpful information on this subject is available from federal, provincial and state governments for free or nominal cost.
You can sometimes locate incorporation manuals at your local library for free. Be careful. Legal manuals become outdated very rapidly. You might consider very seriously purchasing the most up-to-date manual available; it might also include helpful reference material on maintaining corporate minutes and other helpful suggestions on operating your corporation.
Buy the appropriate manual and supplies and then follow the instructions. With a little effort, you could save hundreds of dollars incorporating yourself without a lawyer.

About The Author

J. Stephen Pope, President of Pope Consulting Inc., has been helping clients to earn maximum business profits for over twenty-five years. To learn more about incorporating yourself and other profitable Work at Home Small Business Ideas, visit http://www.yenommarketinginc.com/incorporation.html.


    




    

How to Handle Bus Accidents

    




    

Riding a bus is a part of our everyday routine. It is in fact one of the most common means of transportation. Like any kind of vehicle, anyone can be involved in an accident as a driver of a car, the other car, a pedestrian or just anyone. If you have been one of them, you are entitled to file a claim. You can file it against the bus owner of the bus company. However, usually, the charge of this type struggle to acquire compensation for all the losse s, which includes lost wages, lost of earning ability, medical expenses and emotional distress.
If you want to file for compensation, you need to follow some basic steps. If you had been a victim, you need to see a doctor at once. You should not underestimate any injury ho matter how slight it is. Slight injuries might lead to serious cases without you knowing it. Then you can sort all information that you can collect such as the names, addresses, numbers and the insurance information, which is from the other witnesses and victims.
Only the enforcement officials can obtain information from the victims. Investigators and insurance representatives may just keep the claim complicated. A victim should always be careful in giving relevant information to other people without the advice of his lawyer. A victim should only make statements with his lawyer.
When there is a motor vehicle accident, time is the important factor in settling a claim. It is valuable and precious in settling for a claim. It should be done immediately. If a public means of transportation is involved in an accident, there could be a big hope of winning the lawsuit. The public buses owners need to make sure that they keep their passengers safe. They should practice safety measures and conditions. They need to count on the essential equipments to manage all the things that are relate d to the business.
Now if you know someone who have been in a bus accident, remind them that they have the sole right to fight for their condition and safety. They should not hesitate to talk to a professional lawyer regarding motor vehicle accidents. If it requires filing for lawsuit and compensation, they should not think twice because it can save their lives.
For more related articles, you may visit http://www.attorneyservicesetc.com.

About The Author

Karen Nodalo has graduated from the Bicol University specializing in Computer Science, she graduated with flying honors being one of the top notch students of the graduating class. She has been into writing for almost 5 years now, and has been into different topics. She has also been into student publications since her elementary years, giving her the much coveted exposure that writers of her kind battles for.
karen@rushprintingservices.com

    




    

How To Find A Good DUI Attorney

    




    

You or someone close to you has been arrested for drunk driving. Innocent or not, you know you're a lot better off with an experienced DUI lawyer. So how do you find one? The suggestions provided below will help you find competent and ethical representation -- and avoiding the alternatives.
The best source for finding a good DUI lawyer, of course, is a referral -- a recommendation from someone you trust. This may be a family member or friend who has faced DUI charges before, or it may be your family or business lawyer who can make educated inquiries. Perhaps the best source of referral is to ask a police officer, or go to a courthouse and ask a bailiff of court clerk: Who is the best you've seen? Who would you retain if you were arrested?
One possibility that may come to mind is a referral service of the local Bar Association. This is generally not a good idea, as you will usually be referred to the next attorney on a list of members; the only requirement for inclusion on the list is the request to be placed on it.
Failing a recommendation from a trusted source, the best approach is research on the internet. A lot can be discovered about DUI laws, evidence, procedures, penalties -- and about lawyers who practice in this technical and complex field. There will, of course, be unending advertisements, self-promoting websites and, least useful, endless "directories" of DUI attorneys who have simply paid a lot of money to be included.
One excellent resource is the membership list on the website of the National College for DUI Defense. This is a professional organization of over 800 attorneys nationwide who emphasize drunk driving defense in their practices. Although membership is no guarantee of competence and/or ethics, it is usually a good indication the lawyer is serious about this field. The College emphasizes the education of the Bar through seminars, most notably an intensive annual 3-day seminar at Harvard Law School, and has been recognized by the American Bar Association as the only organization authorized to Board-certify attorneys as "DUI Defense Specialists", a process that is extremely demanding.
In making the important decision of which attorney to have defend you, the following should be considered:
a) DUI defense is a technical and highly specialized field: Does the lawyer handle drinking and driving cases only - or does he accept other types of criminal or civil cases as well? (This would be like a family doctor attempting brain surgery, cancer research and heart transplants.) What percentage of the attorney's caseload consists of DUI Cases?
b) Does the lawyer have access to technical expert witnesses in police procedures and blood/breath analysis? Will blood samples be reanalyzed by a lab?
c) Does the attorney make promises as to the results he can get in the case? This is something no ethical attorney would do, as specific results are unpredictable.
d) Are fees fully explained and set forth in a written contract? Is the fee simply an initial retainer, or is it all-inclusive? Do the fees cover such "extras" as the license suspension hearing, expert testimony, blood reanalysis, trial, subpoena costs, etc.?
e) What is the lawyer's rating with the Martindale-Hubbell International Directory of Attorneys? (The highest rating for competence and ethics is "A-V.")
f) Did the lawyer attend a reputable law school? Is he a member of the National College for DUI Defense? Is he Board-certified by the College?
g) Have there been any State Bar complaints against the attorney? (Most State Bar Associations maintain disciplinary records online.)

About The Author

Lawrence Taylor is the senior member of an AV-rated law firm of California DUI attorneys practicing drunk driving defense exclusively. See http://www.duicentral.com/ for more information.

    

    

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