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“Because of what Google and Apple can do, they are in the position to gather so much data, and that data may be more insightful than traditional variables,” such as credit scoring and motor vehicle records, said Sandeep Puri, a Deloitte consulting director and co-founder of D-rive, the firm’s auto insurance telematics business. cheap car insurance quotes That was important to him, to make his father proud. He had dementia, but was only ill the last few weeks, his son Ken said. Picton, formerly of Ottawa Hills, joined the firm in 1947. After Ottawa Hills Elementary Continue reading this.. School, he went to Manlius School, a military school in upstate New York.

He received a bachelor’s degree in physics in 1944 from the Massachusetts Institute of Technology. and Owens-Illinois Inc. click here

lRelated Tech-industry leaders see 2015 Visit site big for health care, wearables, mobile

The family suggests tributes to Church Hill Activities and Tutoring, CHAT, which works with young people in Richmond, Va.. Picton was founding president of the Toledo Society for the Advancement of Chartered Property and Casualty Underwriters.

Mr. “It completely changed their lives,” his son said.

The balance of power in driver-monitoring programs could shift to Google and Apple if smartphones catch on as usage-based insurance policies, Puri and other speakers at the event suggested.

A service will be held Wednesday at John Knox Village, and a family gathering later. He liked working with people and helping people,” said Byron Jensen, a friend for more than 45 years, first through Christian Fellowship of Toledo, where Mr. among them, his son said.

He was born March 7, 1922, to Ella and Byron Picton. He offered his insights while participating in a Telematics Update panel discussion titled “Big Impact Disrupters Enter the Market” in Chicago.

Google and Apple also have other wikipedia advantages, including being ubiquitous in the lives of many consumers and having been accepted as big data collectors.

“He was more of a relational guy. continue

His son said, “He was following in my grandfather’s footsteps. Arrangements are by Fred Hunter’s Funeral Service in Florida.

Mr. Picton studied at the Aetna Casualty insurance school in Hartford, Conn., and spent time in Aetna’s risk analysis and insurance survey department in Chicago. He put his MIT education to use as he handled insurance matters for some of Toledo’s largest companies, Libbey-Owens-Ford Co. Picton was on the board of elders. He’d been an Army second lieutenant and served with the 7th Infantry Regiment of the Third Division, mostly in post-World War II Germany and Austria. He decided against physics as a career; he didn’t want to be cooped up External link in a lab or classroom. Carrying on the tradition of that agency was important to him, and that he was providing a service that people needed, and he was trying to do the right thing for people.”

They also raised questions such as: What happens when, say, Google has Visit us. the data about losses to insurers? Does it charge insurers for it?

Mr. read more

“Insurance companies do stand a risk of being somewhat disenfranchised from activities they’ve more or less controlled” at a time when the industry’s economic model is also pressured by such trends as safer cars and an aging population, Puri said.

He and his wife, Bebe, became devout Christians in 1951

As time goes on, those needs become more critical, leading to higher costs and worse outcomes, Schwimmer said. more…

The owner at first said he didn’t have a lot of online exposure. blog

“Last year, many hoped that the opening of the government health care exchanges and the resulting increase in the number of Americans with health insurance would enable more people to seek medical treatment,” Gallup said. read more

“Sometimes they tell me, ‘I’ve got a general liability policy, so if I’m liable then that should cover it.’ I tell them, ‘Well, GLC only covers bodily harm or property — stealing someone’s information isn’t covered,'” he said. As a part-time IT consultant with sporadic free-lance jobs, Korobow, who was covered through his wife’s insurance policy, says he might make around $20,000-$30,000 a year. news

In even wealthier households, the least likely to have Obamacare coverage, the increase was more pronounced. click here

The Gallup survey showed that Obamacare has begun to help its target group as a whole. news

Rick Pula of Piscataway is another of the insured who said he considers cost click here before seeking professional help. They go after the little ones who aren’t really paying attention.” read…

That still hasn’t hit many small business owners, says Neil Ness, who specializes in insuring cooperatives for Farmers Union Insurance in Bismark, N.D.

However, among households making $30,000-$75,000 click here a year, 38 percent said cost forced them to forgo health care, Gallup said, up from 33 percent in 2013. blog

The problem is easy to identify but difficult to solve. click here

“Those things shock the conscience,” he said. The pain re-emerged in recent weeks, but he is trying to wait it out as he has done in the past, he said. read more

“I can’t afford the full price of medical insurance,” he said, “or go to the emergency room at $500 a shot.” read more

Efforts to get costs under control have bipartisan support, he said, noting that click here publicity over astronomical bills for seemingly routine procedures provoke outrage. click here

Take the owner of a small rubber gasket manufacturer that Dan Hanson at Marsh & McLennan Agency, a customized insurance and financial services firm, spoke with recently. Both are federally regulated and have strict data security compliance standards. read…

That’s no longer true. read more

In a survey taken in the fall, The Commonwealth Fund, a private, independent health care research organization, found that about 40 percent of adults nationwide who had high-deductible private insurance plans reported delaying care because of the cost. In 2013 the number was just 16%. read…

It’s justifiable because health care is costly, but many factors go into the price of its goods and services, said Kerry McKean Kelly, vice president of communications and member services for the New Jersey Hospital Association. click here

“I self-treat myself,” he says. click here

“We’re seeing an average premium of about $2,500 per year,” but it can go up to as much as $10,000 a month depending on the company, said Harris Tsangaris, a vice president at NFP Property & Casualty, an insurance brokerage. blog

One place to attack is what Schwimmer calls “actionable transparency,” or simply letting consumers see the actual cost of health care goods and services and giving them options. “How do they justify it?” news

The national pediatrics organization this year issued a policy statement suggesting that the federal government may want to limit high-deductible health plans to adults because its members see families withholding important primary care for their children. That figure is up 65 percent over 2013, according to the survey. news

Whether the payment is for insurance or to the provider, it’s still too high for people like Korobow. Coughlin in October chaired a hearing over health care costs. “But, despite a drop in the uninsured rate, a slightly higher percentage of Americans than in previous years report having put off medical treatment, suggesting that the Affordable Care Act has not immediately affected this measure.” news

Korobow is part of a growing swath of the American public that puts off seeking care from a medical professional because, even with health coverage, the cost of care is simply too expensive, according to two recent polls and a statement from the American Academy of Pediatrics. Among companies hit by a cyberbreach, 76% say it’s equal to or greater than a natural disaster or fire in terms of disruption, a survey by click here the Ponemon Institute, an independent privacy and information security organization, found. Advances in payday loans pharmaceuticals and technology cheap car insurance are expensive, and high use of health care, especially in the Northeast, requires numerous facilities and staff, she said. “This is especially true in New Jersey, which has some of the highest health care costs in the nation.” read more

If his blood pressure reading is high, the Browns Mills man said he will go online to read up about foods he should eat and items he should avoid to get that number down. more…

“More and more of [the cost] is being put on the employee, and because of that, they’re reluctant to get the care they need because they’re concerned about the cost,” she said. Antivirus software powerless against Sony hackers

Every stolen record costs on average $188 to make whole, a survey by the Ponemon Institute found. Today courts hold companies responsible for the fallout from a breach, as Target is finding. click here

When insured patients go to physicians’ offices, pharmacies and hospitals, they have no access to a menu of price information. click cheap auto insurance here

In another, the Gallup Poll, which annually asks about health care cost and use every November, reported that the percentage of Americans who had insurance and chose not to go to a health care professional for a routine visit or a need because of cost hit an all-time high of 34 percent. blog

But it’s not because Korobow, who is “near 60” lacks health insurance coverage. blog

Pula, 61, early this year fell on ice, he said, injuring his back, which already was sore from disc problems. click here

How much the policies cost depend on several factors including how large or small the company is, how much data it keeps and how good a job it has done of protecting it. read…

He said his click here share of the doctor’s bill, plus the cost of a scan such as an x-ray or MRI and rehabilitation therapy makes the pain something he’ll have to accept. The federal health care law targeted this population because it was the largest group among the uninsured – too wealthy to qualify for Medicaid, too poor to afford coverage. In households making more than $75,000 a year, it said, 28 percent reported skipping professional health care services due to cost. read…. read more

Smaller businesses are especially vulnerable, said Ness. The legislature is looking into a number of bills that could address the issue, he said, including measures that payday loans online would give more price information to consumers or create an arbitration system to resolve billing disputes between insurance companies and health care providers. click here

Hospitals are doing their part to rein in costs by giving up an estimated $4.5 billion in Medicare reimbursements over Obamacare’s first 10 years, she added. more…

There was a time when the courts said that a company’s general liability coverage covered breaches, says Robert Sumner, a lawyer with Moore & Van Allen in Charleston, S.C., who specializes in data security. car insurance quotes | payday loans online

The insurance companies complained, but the courts said, “Too bad for you, these poor people thought they were covered, so you have to pay,” he said. more…

“If I have a cough,” he said, “I hope for the best, so to speak… You don’t want to go to the ER, because that could cost hundreds.” more…

Assemblyman Craig J. Health care is extremely expensive in the U.S., and to keep from busting their budgets, companies that provide coverage to their employees and families increasingly are turning to plans that keep monthly premiums lower by increasing deductibles and charging more for out-of-pocket costs, said Linda Schwimmer, vice president of the New Jersey Health Care Quality Institute. news

“I am procrastinating going to the doctor because of experience with back pain and that it will usually subside,” Pula said. blog

“Unbelievable,” he said. The owner ended up buying a cyberliability policy.

Recent surveys provide evidence that some Americans are taking Korobow’s approach to health care. The percentage of middle-to-lower income Americans who said they skipped getting health care because of cost dropped, it said. read…

More sacrifices will be necessary, said Wardell Sanders, president of the New Jersey Association of Health Plans.

Just 33% of small- to mid-sized companies have a cyberliability policy, a survey released last month by insurance exchange company Marsh & McLennan Agency found. read more

Cyber-risks that might cause a company to take out such a policy include payday loans processing credit card transactions, holding employee records, having a website that collects personal information from visitors or holding client or customer information. read more

“If one of those got lost, that’s millions of dollars in liability,” Hanson said. more…

The damage a cyberbreach can cause a company is starting to sink in, especially as the nation watches Sony Pictures Entertainment deal with a massive attack. Without knowing the full cost, consumers are “paralyzed,” she said, so they don’t take care of their health needs. more…

For now, coverage is most likely to be purchased by companies in financial services, 88%, and health care, 53%. “That’s how these hackers practice. blog

After paying $500 for a walking boot he had gotten for a recent foot fracture, Pula was reluctant to see how high health care bills would be for his back. But then he realized that his staff gets schematics from companies like GE and 3M in advance of products being released, and his sales staff carried these around on their laptops. Because their bodies are young and in development, children are high users of health care, and high-deductible policies may drive some families to skip visits or care they deem non-essential, it said. blog

“There needs to be much greater focus on addressing the underlying health care cost drivers, such as the price of services, to ensure affordable health care for consumers,” he said. They are skipping health care in spite of federal and state efforts, particularly through the Affordable Care Act, that have lowered the numbers of the uninsured

News

“I told them that could still buy a second home if they wanted one, but if their goal was to reduce their income taxes, there were likely more effective options,” says Mr. Turner of Franklin Chase Wealth Management, which click here manages $5 million for 75 clients in Charlotte, N.C. sarasota dui attorney

IRS rules required that the company also offer their dozen employees $50,000 Read here in group term insurance as part of the program, but the small premiums on those plans didn’t count toward the employees’ income. The employees could choose to add a permanent life policy Visit here similar to the owners’ policy. However, being taxed on those additional insurance premiums didn’t make sense for the staff.

As for the cost, if you buy 10- or 15-year level term insurance and you are healthy, of average build and a nonsmoker, you might qualify for rates around $1 per year per $1,000 of coverage. In other words, $600,000 worth of coverage might cost you $600 a year (or $50 a month). This is a read really crude estimate because there are so many factors that affect pricing. But I want you to know Visit site that doing the right thing won’t break your bank.

However, in this case, the strategy provided a major deduction click on their company’s income, reduced the couple’s personal tax liability, and gave their retirement savings a boost. The adviser notes they also decided against buying that second home.

So many variables help determine the amount of life insurance you should carry. Do you want to fund your children’s college Click here. educations? How much money have you accumulated in savings, and how much of that are you willing to spend after one of you dies? Is there a home mortgage that you would like to pay off? If one of you dies, do you each earn enough to live comfortably on your own without the other’s income? If not, how much additional monthly income would the survivor need?

These plans make use of an IRS tax code that allows companies to take tax deductions on insurance premiums they pay on policies for employees cheap auto insurance quotes. Those premiums count as part of an employee’s compensation, but they are assessed at a reduced tax rate.

Putting additional money into their retirement plans wasn’t a good option payday loans online, because the plan structures required that they also contribute more to their employees’ accounts at the same Check us out! time. That wasn’t the couple’s immediate priority. So Mr. Turner found a solution that specifically benefited them: a Section 79 insurance plan.

Under Mr. Turner’s plan, the couple’s business purchased separate permanent life policies on the wife and the husband. The policies offered initial death benefits of $3 million and $5 million, respectively, and the premiums totaled $400,000 a year for five years. los angeles dui attorney

The policy also will provide the couple with tax-free retirement income from a cash-value component of the policy that Main page grows based This website on an index’s performance, usually the S&P 500. Once the couple retires, they’ll be able to make withdrawals against that cash value, which are tax-free because they are considered “loans” that are deducted against the death benefit.

The Law

A federal judge could rule early next week whether to Facebook page toss a sanctions case against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Silverstein – a Wilmington corporate attorney with Young Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. read more

read more

Recent testimony provided the revelation that Silverstein and another attorney almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed Main page he found thousands of emeralds off Key West, testified that he and Silverstein clashed over how and when to reveal the discovery of modern epoxy on stones that some had speculated came from an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had represented the company of the treasure hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein they had a duty to disclose the epoxy enhancement to the federal court where Horan had filed an action Site internet to get title to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but it was close,” Horan said of an argument he had in his office with Silverstein in 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key West, has pushed to have Silverstein and Web link here Young Conaway punished for bad faith litigation and aiding a fraud on the court after it was revealed Miscovich purchased the emeralds from a jewelry store. http://overlandbankruptcylaw.com

Motivation is headed by Kim Fisher, whose family is famous for the discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title to the emeralds, the revelation that the emeralds had been planted in the Gulf of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises in the admiralty action, but later withdrew following the fight Link with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of the discovery site. According to legal documents, Young Conaway had a right to a percentage of the emeralds and anything salvaged from the site.

Scott graduated with a business degree from Troy University Dothan, and went into the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the rest of my life. I was in banking in Dothan for years, and then I decided to go back to school to get my law degree just like Company website my dad,” Scott said. “You’re never too old to follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner University’s Jones School of Law.

“He’s (Scott) finishing law school sort of about the same age as I went to law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal Court of Appeals, and Kristi DuBose, a federal judge for the southern district wikipedia of Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from being a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with a bachelor’s degree in accounting and a master’s in business and accounting from Troy University Dothan. He is in his second year of law school. read more

“My goal is to kind of branch out a little bit,” Elliott said. “I’ve kind of got an Visit site interest in practicing tax litigation.”

Elliott plans to look at possible law jobs in areas ranging from Birmingham to Atlanta or possibly even Tennessee, Missouri or Texas.

“I kind of want to get out and make my mark,” Elliott said. “I would like to really get out into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also hopes to one day bring his law career back to his native Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of To learn more a second career for him,” Elliott said. “I think I was 4 at the time and I watch him start over, build his firm from the ground up. We’re a close family and I hope to continue on what he’s got going there in Dothan.”

Elliott said watching his father attend and complete law school and build his law firm has encouraged him in his own law career.

“I was able to watch people come to him with their problems, and see him make a difference in people’s lives. So I knew that’s what I wanted to do,” Elliott said. “People think lawyers just solve legal problems, but they really solve life problems.”

Thomas serves as a partner in the Dothan law firm, Smith & McGhee, with specializations in criminal defense and family law, along with some estate yahoo planning and personal injury. His law partner, Shaun McGhee, also earned his law degree from Faulkner University’s Jones School of Law.

“I was born here and they were both born here also. I always, of course, hoped at least one of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that two of them decided to become attorneys.”

The Law

A federal judge could rule early next week whether to toss a sanctions case against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Silverstein – a Wilmington corporate attorney with Young Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. read more

read more

Recent testimony provided the revelation that Silverstein and another attorney almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed he found thousands of emeralds off Key West, testified that he and Silverstein clashed over how and when to reveal the discovery of modern epoxy on stones that some had speculated came from an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had represented the company of the treasure web page hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein they had a duty to disclose See here the epoxy enhancement to the federal court where Horan had filed an action to get title to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but it was My website close,” Horan said of an argument he had Free rates here! in his office with Silverstein in 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key West, has pushed to have Silverstein and Young Conaway punished for bad faith litigation and aiding a fraud on the court after it was revealed Miscovich purchased the emeralds from a jewelry store. http://eriestationgrille.com

Motivation is headed by Kim Fisher, whose family is famous for the discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title to the emeralds, the revelation that the emeralds had been planted in the Gulf of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises in the admiralty action, but later withdrew following the fight with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of Site web the discovery site. According to legal documents, Young Conaway had Official site a right to a percentage of the emeralds and anything salvaged from the site.

Scott graduated with a business degree from Troy University Dothan, and went into the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the View website rest of my life. I was in banking in Dothan for years, and then I decided to go back to school to get my law degree just like my dad,” Scott said. “You’re never too old to follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner University’s Jones School of Law.

“He’s (Scott) finishing law school sort of about the same age as I went to law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal Court of Appeals, and Kristi DuBose, a federal judge for the southern district of Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from being Google a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with a bachelor’s degree in accounting and a master’s in business and accounting from Troy University Dothan. He is in his second year of law school. read more

“My goal is to kind of branch out a little bit,” Elliott said. “I’ve kind of got an interest in practicing tax litigation.”

Elliott plans to look at possible law jobs in areas ranging from Birmingham to Atlanta or possibly even Tennessee, Missouri or Texas.

“I kind of want to get out and make my mark,” Elliott said. “I would like to really get out into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also hopes to one day bring his law career back to his native Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of a second career for him,” Elliott said. “I think I was 4 at the time and I watch him start over, build his firm from the ground up. We’re a close family and I hope to continue on what he’s got going there in Dothan.”

Elliott said watching his father attend and complete law school and build his law Online firm has encouraged him in his own law career.

“I was able to Bing watch people come to him with their problems, and see him make a difference in people’s lives. So I knew that’s what I wanted to do,” Elliott said. “People think lawyers just solve legal problems, but they really solve life problems.”

Thomas serves as a partner in the Dothan law firm, Smith & McGhee, with specializations in criminal defense and family law, along with some estate planning and personal injury. His law partner, Shaun McGhee, also earned his law degree from Faulkner University’s Jones School of Law.

“I was born here and they were both born here also. I always, of course, hoped at least one of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that two of them decided to become attorneys.”

Insurance

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The Law

A federal judge could rule early next week whether to toss a Linkedin sanctions case Visit site against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Silverstein – a Wilmington corporate attorney with Young Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. read more

read more

Recent testimony provided the revelation that Silverstein and another attorney almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed he found thousands of emeralds off Key West, testified that he and Silverstein clashed over how and when to reveal the discovery of modern epoxy on URL stones that some had speculated came from an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had Visit the website represented the company of the treasure hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein they had a duty to disclose the epoxy enhancement to the federal court where Horan had filed an action to get title to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but it was close,” Horan said of an argument he had in his office with Silverstein in 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key Here. West, has pushed to have Silverstein and Young Conaway punished for bad faith litigation and aiding a fraud on the court after it was revealed Miscovich purchased the emeralds from a jewelry store. http://chequerscountryinn.com

Motivation is headed by Kim Fisher, whose family is famous for the discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title to the emeralds, the revelation that the emeralds had been planted Twitter in the Gulf of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises in the admiralty action, but later withdrew following the fight with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of the discovery site. According to legal documents, Young Conaway had a right to a percentage of the emeralds and anything salvaged from the site.

Scott graduated with a business degree from Troy University Dothan, and went into the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the rest of my life. I was in banking in Dothan for years, and then I decided to go back to school Continue… to get my law degree just like my dad,” Scott said. “You’re never too old to follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner University’s Jones School of Law.

“He’s (Scott) finishing law school sort of about the same age as I went to law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal RSS Feed Court of Appeals, and Kristi DuBose, a federal judge for the southern district of Continue… Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from being a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with a bachelor’s degree in accounting and a master’s in business and accounting from Troy University Dothan. He is in his second year of law school. read more

“My goal is to kind of branch out a little bit,” Elliott said. “I’ve kind of got an interest in practicing tax litigation.”

Elliott plans to look at possible law jobs in areas ranging from Birmingham to Atlanta or possibly even Tennessee, Missouri or Texas.

“I kind of want to get out and make my mark,” Elliott said. “I would like to really get out into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also hopes to one day bring his law career back to his native Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of a second career for him,” Elliott said. “I think I was 4 at the time and I watch him start over, build his firm from the ground up. We’re a close family and I hope to continue on what he’s got going there in Dothan.”

Elliott said watching his father attend and complete law school and build his law firm has encouraged him in his own law career.

“I was able to watch people come to him with their problems, and see him make a difference in people’s lives. So I knew that’s what I wanted to do,” Elliott said. “People think lawyers just solve legal problems, but they really solve life problems.”

Thomas serves as a partner in the Dothan law firm, Smith & McGhee, with specializations in criminal defense and family law, along with some estate planning and personal injury. His law partner, Shaun Webpage McGhee, also earned his law degree from Faulkner University’s Jones School of Law.

“I was born here and they were both born here also. I always, of course, hoped at least one of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that two of them decided to become attorneys.”

Home Business :: Magic Wand Formula – Own A Business, Own Your Life

You will have the step by step plan developed for you – you don’t get that in any traditional business! You get to own a business instead of letting it own you.

The main benefit of a top tier online home business is the concept of G.P. T. “get paid today” allowing internet home business owners to receive immediate payday loans commission instead of having to wait for a check.

Most people would panic. Maybe beg. What about you? Most people are not in a position to walk away from their job and be free of worry, but if you had a profitable top tier internet home business the world would look very different.

Instead of worrying about redundancies you could instead give yourself a pay rise every single day, as your online home business grows. When you have your own Magic Wand Formula internet home business you won’t need to settle for a paycheck that barely covers the bills.

Best of all… you will have the full support and training of hundreds of people who have been where you are now and become successful enough to quit their jobs. This cuts your training time dramatically. It means you won’t have to invest energy and money into finding out what doesn’t work.

“Network Source Marketing” means you get to work as part of a team and leverage the time and skills of everyone else. It’s a smart way of growing a top tier direct sales internet home business.

What would you do tomorrow if you got fired?

So many “traditional” business owners get stuck in maintenance mode with their businesses. They end up not with a business that serves them but with a business they become a slave to, and they end up even more trapped than they were working for a boss! The same business owners write paychecks every week to all the employees but not themselves, and work 100+ hours a week trying to make their business profitable. This goes on for years, and every day is a struggle.

This means you will be at life-changing income levels sooner than you might cheap car insurance think…

A Magic Wand Formula internet home business, on the other hand, has none of these disadvantages. You need no employees, no RSS crazy Link here… hours, no premises, and you don’t need to tie your money up in stock. This View site… means almost every penny you make is profit.

You implement proven home business marketing strategies to build up your top tier cheap car insurance home business, and your income will grow into something more significant month after month. Depending on your Go here now time and effort into marketing and promotion of your top tier internet home business, your monthly income from your business will be large enough for you to quit your job or retire, and you won’t have to work for money any longer! The payday loans income will continue to be paid to you. Your online home business will be manageable, and will continue to make a profit without you when you are ready to retire.

Build A Business That Doesn’t Own You

“Don’t compromise yourself. You Visit site are all you’ve got.” – Janis Joplin

Legal :: Ideas About The Start Up Of A Home Business

Keep a positive attitude. Having a home business can generate a lot of stress but it’s important to always maintain a positive outlook. If you don’t believe you can make it, who will? Always remind yourself what you like about your business and your product or service and tell others!

Speak with an attorney to find out what regulations you may have to face when starting your home business. The attorney can brief you on laws that apply to your business, helping you avoid problems. Getting an expert legal opinion will ensure that you comply with your local laws and avoid any potential difficulties with your state government.

You should contact a business lawyer in your area before you Go to website actually start your business. There may be laws that your state has established regarding home businesses of which you may not be aware. Contacting a business attorney is a great way to find out what the laws are and to find out what you need to do in order to follow them.

If you are running a home based business, you need to have a domain name and a website. Even the best websites will still look unprofessional if they are hosted on loans a free web-building site. Domain names are relatively cheap. Pick one that’s related to your business and you will undoubtedly see an increase in sales.

The reality is that you never stop learning when you run a home business. You need to know a lot and do a lot and hopefully, this article has given you a lot toward getting your home business going and growing. Make notes from this article and leave them in very obvious places. Keep learning and stay dedicated to the dream and auto insurance quotes soon, it click can become your reality!

Attorney

If you are going to have a home business, you need to meet with a lawyer and an accountant. It is vital that you know the laws in your state so you can operate your business in compliance. The attorney and tax professional can help you learn the requirements for collecting sales tax and filling out necessary forms.

Keep working hard to grow your business even after it is well established. Businesses are constantly growing and you are going to need to continue to advertise and get the word out about your business long after it is up and running well. This will ensure that you have a constant flow of new car insurance quotes customers coming your way.

Remember to keep regular business hours while running a home business. Not only does it motivate you to work your allotted time during the week, it will keep you from overworking and burning yourself out. Eight to 10 hours a day is a reasonable expectation and will allow you to spend more time with your family, and the majority of people who start home business do so to spend more time with their families.

If you are currently car insurance quotes running, or thinking of running a home based business, check with your local government to see if you need any special permits or licenses to legally operate your business. Some cities and/or states require you to have a business license much like any other business would.

Keep a receipt of every business related expense that you incur. This information is valuable when it is time to do your taxes. Create a folder to file the receipts so that you do not lose them. Periodically put the information into a spreadsheet so that it is not overwhelming to More.. look through at the end of the year.

Few things in life can be as rewarding as owning your own successful home business! It is Link exciting, offers freedom and flexibility and RSS Feed can give you financial prosperity! But that is just the good news. The bad news is that running a home business is a ton of work, many hours and a very Check it out risky gamble. This article will provide you with sound and valuable advice on how to plan and achieve success with your own home business.

Expertise is important to the home business operator. The owner of a home business should spare no effort to be as knowledgeable as possible in his or her field. When all other factors are equal, customers will always go to the business owner who demonstrates a deeper understanding of the business and greater mastery of its skills.

Check into local licensing requirements in your city or county as many home-business owners still need a license to practice. This may include a variety of licenses, permits, and other local regulations imposed by your local government. If you don’t check into this beforehand, you could end up being fined.

Finance Articles | ArticleBiz.com

Finance Articles

Home Finance

Investors tap into ‘Indian summer’ for non-bank lending funds By Charlotte Rivington

As pressure grows on banks to restart lending activities, buyers are warning the window of opportunity on private lending funds may soon be closing, writes …. property owned by Tesco may be a similar credit risk but offer a much higher yield: “You could safely say at least twice that rate,” he noted.

Deep Blue Publications Group – Money and Investment Tips By Cyralle Munich

Possessing basic money-handling and income-generating skills is important, especially with the economic crunch affecting big and small countries all over …. treating people compassionately and returning the fruits of your ventures back to your business and the people who keep the business growing and sustainable.

Are You Fearful of Your Finances in Your Retirement Years? By Kim Kirmmse Toth

Sadly, most women will answer ‘yes’. That said, you have more control over your financial situation than you probably think. And if you don’ …. happy and financially safe retirement years. We live longer than men so we need to plan Read more… well. To our long lived, financially free retirement years!

Understanding Dutch Payroll By Douglas Mcgregor

EAFS consulting BV are a Dutch Payroll consultancy for contractors. Each country loans has its own unique spin on payroll, social security and income Home page taxation …. Social Security and Tax are deducted at source, calculated on the tax card basis, submitted for each individual at the beginning of Read more every fiscal year.

What Makes Go Auto Insurance Different and Better By Armando Hernandez

Finding an auto insurance company that actually suits everybody’s needs can be quite tricky. You can always find agents indeed, but a captive agent tends …. customers, the company has less control over the claims because there are no restrictions due to other types of coverage policies included in any bundle.

Hedge funds eye a profit from European bank research retreat By Charlotte Rivington

As Europe’s big investment banks and brokerages scale back their research efforts, particularly towards small and mid-sized companies, some hedge funds …. Sternbach said. “Particularly the fundamental bottom-up stock pickers with a focus on meeting management teams and undertaking their own research.”

Car Insurance Estimate – Why Each Is Different By Armando Hernandez

Everybody pays a different amount of premium fee despite the fact that their cars are probably exactly the same; the brand, model, and year can be the …. of calculation and the actual insurance companies’. Each company basically has its own car insurance calculator with each variable has different values.

The Use Of Non-Surgical Procedures To Reverse Ageing Caused By Stress By Chris Watkins

Stress is a feeling that everyone experiences from time to time, and this is because we are all faced with certain tasks and goals that need to be achieved …. physically. This as a result influences how people feel about themselves, and ultimately causes an individual to take drastic measures to avoid ageing.

Explore Strategies and Signals for Trading Stocks By Perry Musigdilok

It is fascinating occasionally to observe stock car insurance quotes traders attempting to make a profit without the benefit of a trading strategy that is good from trading …. trading signals companies will continue to prosper. It is important for the inventory trader to weigh the pros and cons of subscribing to such companies.

Buying Gold Vs Savings Account By Syed Shabbeer Altaf

There are many different ways that you can choose to invest in your future. The most popular method loans that people use is by putting money into savings accounts …. to be able to get your return if you had too. You can also visit my website and find out more on how gold can help you achieve your financial goals.

Contact Pawn Shops for instant requirement of Cash By James Doan

Life always faces ups and down in financial position. Sometimes it happens that a person comes in need of money badly that they have to take loan to meet …. higher in the market as compared cheap auto insurance to last year. So, if a customer is read more looking to get instant Cash no place can be better than opting for Pawn Shop, UK.

Insurance Software Solutions – Build or Buy By Julian James

Like many business marketplaces, the P & C industry is an extremely competitive one. Companies that want to be successful need to develop, grow, and manage …. industry reports, organizations who opt to build often fall short of their expectations when choosing to View publisher site build their own software, versus buying View publisher site a system.

Black Swans, Ugly Ducklings, Golden Geese By Sean Seah

Black Swans, Ugly Ducklings, Golden Geese Hi Friends, Cayden has shared regarding Black Swan and Value Investing in the last post. (Click Here to …. Free Investing Workshop at Sean Seah – See more at: http://www.investment-in-stocks.com/black-swans-ugly-ducklings-golden-geese/#sthash.wJ3oz3x5.dpuf

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Insurance

Last week, Wells Fargo was the first private student loan lender to announce it will modify private student loans for borrowers that are facing financial hardship. While many private lenders have worked with borrowers, Wells Fargo is one payday loans online of the first to announce that it will offer long term modifications to borrower payment plans. You can read the full press release here.

Private Loans Have Been A Struggle For Many Borrowers

The truth is, many borrowers have gotten themselves into financial trouble with private student loans. Federal student loans place limits on the amount students can borrow – theoretically for their own protection. However, when these loans are exhausted, some students turn to private loans to fill the gap.

Private loans typically have higher interest rates than Federal loans, and have far fewer protections for borrowers. There are also few choices in repayment plans beyond the standard fixed repayment.

Private Lenders Must Compete With Federal Programs

For borrowers, there has been a lot Visit this page of confusion around private versus Federal loans. While Federal student loans offer various repayment programs, student loan forgiveness, and student loan consolidation options, private student loans do not.

This has made it difficult for private lenders to compete payday payday loans loans online with the Federal government for traditional students. Instead, private lenders have focused on areas where the Federal programs don’t apply: medical school, law school, graduate loans, and more. But the risks are higher, and lenders face shareholders where the government does not.

The trouble is, borrowers in these loans take on more debt – especially in the graduate segment, than they can likely afford. The result is the lenders are facing higher default risks in their portfolio. In turn, it make sense that they will begin offering more structured programs to get borrowers paying on their loans as much as possible.

Borrowers Still Have A Tough Journey

However, borrowers with private loans payday loans still have a tough journey to face if they want to get a private student loan modification from their lender. it’s important that borrowers remember that these are still for-profit companies, and so any loan modification is not going to be structured just to help the student, but also help the bank as well.

Here’s what Wells Fargo is offering borrowers facing financial hardship:

When you are having difficulty finding employment, have experienced a job loss, or have an unplanned insurance medical expense, we understand that keeping up with payments can be difficult.

We may have options that will provide temporary and permanent relief, such as: Short-term payment relief for up payday loans to two months as long as you’ve consistently made your loan payments on time, payment relief for up to six months due to financial hardship, payment options if you are already past due on your account, and Loan Modification Program which may temporarily or permanently lower payment amounts.

When borrowers contact Wells Fargo with a financial hardship concern, they should be prepared to gather supporting payday loans financial documents that may include pay stubs, or other types of income documentation, along with information surrounding the customer’s complete financial picture to evaluate the severity of the financial hardship. Even then, it’s no guarantee that Wells Fargo will read more agree to any student loan modification.

At the end of the day, it’s important for borrowers to remember that there is no escaping student loans. These programs are nice, but they are more window dressing than anything else. They won’t help many borrowers, and won’t fix the bigger financial implications payday loans online of student loan debt.

Insurance

Discover Bank also announced that it would be launching a student loan repayment assistance program in early 2015, but the details of the program haven’t been released.

Private Loans Have Been A Struggle For Many Borrowers

The truth is, many borrowers have gotten themselves into financial trouble with private student loans. Federal student loans place limits on the amount students can borrow – theoretically for their own protection. However, when these loans are exhausted, some students turn to private loans payday loans to fill the gap.

Private loans typically have higher interest rates than Federal loans, and have far fewer protections for borrowers. There are also few choices in repayment plans beyond the standard fixed repayment.

Private Lenders Must Compete With Federal Programs

For borrowers, there has been a lot payday loans online of confusion around private versus Federal loans. While Federal student loans offer various repayment programs, student loan forgiveness, and student loan consolidation options, private student loans do not.

This has made it difficult for private lenders to compete with the Federal government for traditional payday loans online students. Instead, private lenders have focused on areas where the Federal programs don’t apply: medical school, law school, graduate loans, and more. But the risks are higher, and lenders face shareholders where the government does not.

The trouble is, borrowers in these loans take on more debt – especially in the graduate segment, than they can likely afford. The result is the lenders are facing higher default risks payday loans online in their portfolio. In turn, it make sense that they will begin offering more structured programs to get borrowers paying on their loans as much as possible.

Borrowers Still Have A Tough Journey

However, borrowers with private loans still have a tough journey to face if they want to get a private student loan modification from their lender. it’s important that borrowers remember payday loans that these are still for-profit companies, and payday loans online so any payday loans online loan modification is not going to be structured just to help the student, but also help the bank as well.

Here’s what Wells Fargo is offering borrowers facing financial hardship:

When you are having difficulty finding employment, have experienced a job loss, or have an unplanned medical expense, we understand that keeping up with payments can be difficult.

We may have options that will provide temporary and permanent relief, such as: Short-term payment relief for up to two months as long as you’ve consistently made your loan payments on time, payment relief for up to six months due to financial hardship, payment options if you are already past due on your account, and Loan Modification Program which may temporarily or permanently lower payment amounts.

When borrowers contact Wells Fargo with a financial hardship concern, they should be prepared to gather supporting financial documents that may include pay stubs, or other types of income documentation, along with information surrounding the customer’s complete financial picture to evaluate the severity of the financial hardship. Even then, it’s no guarantee that Wells Linkedin Fargo will agree to payday loans any student loan modification.

At the end of the day, it’s important for borrowers to remember that there is no escaping student loans. These programs are nice, but they are Webblog here more window dressing than anything else. They won’t help many borrowers, and won’t fix the bigger financial implications of student loan debt.

Insurance

Chief executives and other click senior officials at insurance companies in Britain will be made more directly accountable to regulators for their decisions under plans announced by the Bank of England on Wednesday.

“Policyholders are best served by insurance companies with senior managers who can be held to account and who are individually responsible for the decisions they make,” PRA chief executive and BoE Deputy Governor Andrew Their website Bailey said.

Regulators have come under fire from lawmakers for bringing so few bankers to book after lenders had to be bailed out by taxpayers in the 2007-09 financial crisis.

Under the so-called “reversal of Click here! burden of proof” proposals click for banks, top managers would have to prove to regulators they were unaware insurance of or had challenged dubious behaviour at the time.

This has alarmed bankers, with two directors of HSBC set to leave the bank because they are unhappy with the new rules, Reuters reported last month.

The plans for insurers are slightly different, recognising the differences between the industries, the PRA said.

Regulators would have to show misconduct by an insurance official was deliberate or that behaviour fell below reasonable standards. The sanctions that could be imposed against insurance officials are also in line with those already available, such as fines, bans and public warnings.

The Association of British Insurers (ABI), an industry body, said it My website was reassured the plans recognised the differences between banks and insurers.

“We will be working with our members… to ensure that the regime is fit for purpose and ensures a continuing flow of high level talent into the insurance industry,” it said.

The Website new Go here regime for cheap car insurance insurers such as Prudential and Aviva will apply to chief executives, chief finance officers, chief risk officers, heads of internal audit and chief actuaries.

At the Lloyd’s of London insurance market, it will apply to chief underwriting Source officers and underwriting risk oversight functions.

Meaning Of Finance- Free Useful Hints For Meaning Of Finance

I know that as informative as this article is, it might not adequately cover your meaning of finance quest. If this is so, don’t forget that the search engines exist for looking up more information about meaning of finance.

Let them know you have researched and found they are illegal to operate in your state. Therefore, you will only pay back the principal sum, which is what you are supposed to pay, even if their payday loans were licensed to operate anywhere in the US.

For your information, we insurance found that lots of people that were searching for meaning of finance also searched online for finance message boards, international finance, and even finance degree.

If your major interest is information related to meaning of finance or any other such as real estate finance, nyc department of finance, online finance or we finance, this article can prove useful.

If executed properly, a budget will allow a person to together meet their expenses, place money into savings, and pay read back outstanding debts. Therefore, it is anyone’s best interest to create and implement a budget.

About the Author:

So here is chance to get your free click here E-book and tips on asset finance and loans in addition to that get basic information on saving money visit asset finance

As many individuals are now contemplating on the pay day loans and option for their cash shortage, the company considers all possibilities to give the best service then can provide their clients.

In a lot of cases, the lenders do not even ask blog you why you need the money, it could be for anything, and some of the most common include: Pay off urgent household bills, paying credit card dues, Pay off unexpected medical bills, Purchase a new laptop or Fix your Auto.

Successful entrepreneurs too often become deal junkies inflamed by the exhaust of their prior success. Some click here become self-lubricated business “generalist” experts (contradictory, eh?) that read more no longer feel restricted by the limitations of their actual core competencies.

The main advantages of click warehouse click here receipt financing from a risk management perspective are: The identity of the collateral is less contestable and read more the intention of the borrower to pledge it is clear, avoiding ownership disputes and competing claims.

How To Properly Finance Trade Receivables In Canada

Receivable credit solutions don’t always come from the bank. Any business selling on click here credit, large or More.. small soon feels somewhat ‘ tied up ‘. Those goods and services you’ve delivered require payment and the ability to finance trade receivables is critical. Let’s dig in.

If a Canadian chartered bank or business credit union can’t supply the financing you need is there an alternative? You knew there was, and Check us out! it’s the financing of your A/R through an independent commercial finance company. The problem? Which of their multiple solutions works for you… is one better than the other, and can the costs of such financing be managed properly or reduced?

While the ‘ street terminology ‘ refers to this method of financing as ‘ FACTORING ‘ there are in reality Click here! a number of subsets of this type of commercial finance . Choosing the right one is your key to success,

Haven’t had someone fully or clearly explain how A/R Finance works? You’ve just received your clearance for a full explanation! –> Based on an click here up front financing security agreement being signed you can draw down typically up Visit site to 90% of the value of your total receivables that are under 90 days old . By the way the banks typically allow you to draw down only 75% of A/R, so one immediate observation is that you just managed to negotiate Visit site more liquidity / cash flow for your business,

The balance of 10% is in effect a ‘ holdback’ of sorts, and when your client pays you received that 10% back immediately, less a financing cost that is in the 1.25 – 2% range. So using a 10k invoice as an example your financing cost would be 125 .00 – 200.00 $. Naturally the costs are geared toward your client paying promptly in 30 days, which are very typical commercial trade receivable credit terms…

Two critical points come to bear here:

1. You can reduce financing costs by focusing harder than ever on your management of receivables – That includes:

Considering advance/down payments in some form

Invoice clients the day you deliver your product or service

Offering prompt pay discounts

Improving collection procedures and invoicing clearly and properly

Key point any time your clients pay over 30 days increases financing costs, and that includes higher financing costs or simply the higher cost of carrying receivables Here. that are unpaid – Example… The carrying cost on $10,000 paid in 66 days at 14% interest rate would be: $10,000 yahoo x .014 / 365 x 66 = $253.00

2. Only draw down on your ‘ factoring’ facility when you need it

Ensure you have a facility that doesnt require you to finance all your A/R all the time – if that’s the case you’re dealing with the wrong firm

Focus on the benefits of a CONFIDENTIAL RECEIVABLE FINANCING solution – This is our recommended solution for all our clients, as it allows you to bill and collect your sales without the ‘ notification’ that is required by traditional factoring services

Use your receivable credit facility to reduce overall financing costs – this includes taking prompt pay discounts with your own suppliers, as well as negotiating better prices To learn more with suppliers for goods you can pay for on delivery

If you’re focused on achieving the best method to finance trade receivables seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of success in Receivable Credit solutions.

Stan Prokop

About the Author:

Stan Prokop – founder of 7 Park Avenue Financial

http://www.7parkavenuefinancial.com

Originating business financing for Canadian companies , specializing in working capital, cash flow, asset based financing . In business 10 years – has completed in excess of 80 Million $$ of financing for Canadian corporations . Core competancies include receivables financing, asset based lending, working capital, equipment finance, franchise finance and tax credit financing.

http://www.7parkavenuefinancial.com/finance-trade-receivables-receivable-credit.html

Career In Law Part -2

1) Lawyers in Defence services – deals with all legal matters concerning the state and is authorised to conduct courts of enquiry and court martials of offending service personnel.

2) Political advisors Ministers have various legal experts on their pay rolls who advise click here them from time to time on legal issues concerning various political matters

3) Lawyers with the government – inducted into the Government ministries through a UPSC interview. The minimum qualification is a Master’s degree in law with five years’ experience. Examples include: Indian Legal Service (Law officers and Legal Advisors) & State Legal Service (state police, judiciary and revenue departments)

(A)Personality Traits

1.)Highly intellectual

2.)Ability to assimilate & analyse data

3.)Unbiased approach

4.)Excellent communication & presentation skills

5.)Ability to persuade, convince & argue

6.)Self Confident

7.)Mental & Physical stamina

8.)Inclined towards reference work

(B)Job Prospects

Lawyers begin work either as appreciates with leading lawyers or with law firms. Many go on to set up an independent practice. Some leading law firms include Amarchand MangalDass, AZB, DSK Legal, Pathak & Associates, Dua & Dua, Fox & Mundal, Kochar & Kochar, Khaitan & Khaitan, Luthra & Luthra, Jyoti Sagar and Anand & Anand. These firms have click here a national presence with specialsied departments in varied fields of law.

(C)Salaries

Starting salaries in a solicitor firm range from Rs 1.2 1.5 lacs per annum but grow very rapidly. A Senior Advocate or Partner in a firm would earn between Rs 10 lacs to payday loans Rs 18 lacs per annum on an average. Independent practice starts cheap car insurance at Rs 1.2 Rs 1.5 lacs per annum. An independent lawyer doing well could earn between Rs 10 lacs to Rs 15 lacs per annum.

If one makes it big as a well-known or celebrity lawyer, of course, the sky is the limit.

(D)Study Routes

After XII (any subject), pursue BA LLB, a 5-year course in Law.

After graduation (any subject) – LLB is a 3-year course for graduates. Most universities and their affiliated colleges in India conduct the LLB course.

After LLB – After a 5 year law course (BA LLB) or a 3-year (LLB) course, there are opportunities for further studies in areas related to law. These studies could be full time post graduation (LLM) of 2 years duration, or diploma courses of 1-year duration. Studying abroad could also be a possibility. Under-graduation or LLB can only be done in the UK, as that click here href=”http://simpelosalonandspa.com”>payday loans is the only place where if you study Law you can practice in India. Masters in cheap car insurance Law can be done in the US or UK.

Leading institutions that offer courses in law are:

1.) National Law School of India University, Nagarbhavi, Bangalore – 560 072.

2.) NALSAR University of Law, 3-4-761, Barkatpura, Hyderabad – 500027

3.) National University of Juridical Sciences, NUJS Bhawan, 12 LB Block, Salt Lake, Kolkata

4.) National Law University, NH-65, Nagaur Road, Mandore, Jodhpur, Rajasthan- 342 004

5.) Symbiosis Society’s Law College, Senapati Bapat Road, Pune, Maharashtra – 411 004

6.) NLIU Bhopal, VYAPAM “Chayan Bhawan” Main Road No.-1, Chinar Park (East) Bhopal-11

7.) Pondicherry University 5 YR BA LLB (HONS) CENTAC, Pondicherry click here Engineering College Campus, Pondicherry 605 014.

8.) The Tamil Nadu Dr.Ambedkar Law University, “Poompozhil”, 5, Greenways Road, Chennai – 600 028.

9.) Hidayatullah National Law University, Civil Lines, Raipur – 492001 (C.G.).

10.) Guru Gobind Singh Indraprastha University, Kashmere Gate, Delhi-110006.

11.) Army institute of Law, Sector – 68, Mohali 160062, Punjab

12.) Bharati Vidyapeeth Deemed University, Bharati Vidyapeeth Bhavan, Lal Bhadur Shastri Marg, Pune 411 030

13.) Faculty of Law, Delhi University, University Road, Delhi 110007

14.) Faculty of Law, Banaras Hindu University, Banaras Hindu University, Varanasi 221 005

15.) Gujarat National Law University , Gandhinagar, Old NIFT Building,E-4 GIDC, Electronic Zone, Gandhinagar – 382 028, Gujarat

16.) Aligarh Muslim University, Aligarh, Uttar Pradesh 202002

17.) Hidayatullah National Law University, HNLU payday loans Bhawan, Civil Lines, 492001 Raipur

Other Colleges include:

1.)Aligarh Muslim University, Law Faculty, Aligarh 202002.

2.)Amity Law School (Amity Campus Saket) E-27, Defence payday loans Colony, New Delhi 24

3.)NBM College of Law, Vishakapatnam 530002

4.)Osmania University, Law College Hyderabad 500007

5.)Bangalore University, Law College, Jnana Bharathi, Bangalore 560056

6.)Mangalore University Manglagangotri 574199, Karnataka

7.)University of Mysore, Law College, Crawford Hall, Mysore 570005

8.)Law College, University of Madras, Centenary Buildings,Chepauk, Chennai 600005

9.)Bharti Vidyapeeth Law College, LB Shastri Marg Pune 411030

10.) B R Ambedkar University, College of Law Aurangabad 431001

11.) University of Mumbai Law Faculty, Fort, Mumbai 400032

12.) University of Lucknow, Lucknow 226007

13.) University of Punjab, Chandigarh

14.) Law Faculty, University of Delhi, Delhi 110 007

15.) University of Rajasthan, Jaipur 302 004

16.) University of Mumbai Law Faculty, Fort, Mumbai 400032

17.) Gujarat University, Ahmedabad 380009

18.) MS University of Baroda, Vadodara 399002

19.) Nagpur University, Nagpur 440001

20.) University of Pune, Ganeshkhind, Pune 411007

21.) Marathwada University, Aurangabad 431 004

22.) Utkal University, Vani Nagar, Bhubaneshwar 751004

Colleges Overseas

Colleges in USA

1.)Yale University, school of law

2.)Harvard university, school of law

3.)Stanford university, school of law

4.)Columbia university, school of law

5.)New York University, school of law

6.)University of Chicago, school of law

Note: To practice law in India you can only do your Masters in the USA. Under-Graduation would need do be done in India / UK.

UK

1.)Cambridge University

2.)Oxford

3.)London School of Economics

4.)University College, London

5.)Nottingham University

6.)Warwick university

7.)Kings College, London

8.)Manchester University

Australia

1.)Australian College of Law

2.)James Cook University

3.)University of Canberra

4.)University of Melbourne

5.)Sydney University Law School

6.)University of Tasmania

About the Author:

Anir Ban writes on behalf of Shiksha.com. Shiksha is a portal that connects education seeker with education provider.Shiksha provides information about Law Course and Law School.