Insurance

He decided against physics as a career; he didn’t want to be cooped up in a lab or classroom. Picton, 92, a partner and executive in a well-established Toledo insurance firm, died Nov. Arrangements are by Fred Hunter’s Funeral Service in Florida.

He and his wife, Bebe, became devout Christians in 1951. After Ottawa Hills Elementary School, he went to Manlius School, a military school in upstate New York.

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

Dean C. read more

Mr. 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.”

Mr. Picton was on the board of elders. 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 received a bachelor’s degree View publisher site in physics in 1944 from the Massachusetts Institute of Technology. Picton was founding president of the Toledo Society for the Advancement of Chartered Property and Casualty Underwriters.

His son said, “He was following in my grandfather’s footsteps. continue

“He was more of a relational guy. “It completely changed their lives,” his son said.

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

The family suggests tributes to Church Hill Activities and Tutoring, CHAT, which works with young people in Richmond, Va.

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

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.

“Because of what Google This site 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. among them, his son said.

A service will be held Wednesday at John Knox Village, and a Learn more family gathering later. and Owens-Illinois Inc. read more

He was born March 7, 1922, to Ella and Byron Picton. click here

Mr. He put his MIT education to use as he handled insurance matters for some of Toledo’s largest companies, Libbey-Owens-Ford Co. He offered his insights while participating in a Telematics Update panel discussion titled “Big Impact Disrupters Enter the Market” in Chicago.

“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.. cheap auto insurance quotes That was important to him, to make his father proud. 28 in John Knox Village, a Pompano Beach, Fla., retirement community. He’d been an Army second lieutenant and served with Clicking here the 7th Infantry Regiment of the Third Division, mostly in post-World War II Germany and Austria. Picton, formerly of Ottawa Hills, joined the firm in 1947. 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

“This is especially true in New Jersey, which has some of the highest health care costs in the nation.” click here

“I self-treat myself,” he says. 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. news

For now, coverage is most likely to be payday loans purchased by companies in financial services, 88%, and health care, 53%. news

“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

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. Coughlin in October chaired a hearing over health care costs. 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 the Ponemon Institute, an independent privacy and information security organization, found. 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.

He said his 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. news

“Unbelievable,” he said. read…

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

Recent surveys provide evidence that some Americans are taking Korobow’s approach to health care. news

Rick Pula of Piscataway is another of the insured who said he considers cost before seeking professional help. read more

Antivirus software powerless against Sony hackers

When insured patients go to physicians’ offices, pharmacies and hospitals, they have no access to a menu of price information. blog

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. read more

In the case of the $148 million Target breach, for example, hackers got in using credentials from a refrigeration contractor. 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. read…

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. more…

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

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. news

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. cheap car insurance href=”http://charlesknoxhome.com”>read more

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

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

Cyber-risks that might cause a company to take out such a policy include processing credit card transactions, holding employee records, having a website that collects personal information from visitors or holding client or customer information. They go after the little ones who aren’t really paying attention.” read more

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

Whether the payment is for insurance or to the provider, it’s still too high for people like Korobow. blog

But it’s not because Korobow, who is “near 60” lacks health car insurance quotes insurance coverage. “That’s how these hackers practice. 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. read more

However, among households making $30,000-$75,000 a year, 38 percent said cost forced them to forgo health care, Gallup said, up from 33 percent in 2013. “How do they justify it?” read…

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

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. 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. click here

The national pediatrics organization this year issued a policy statement suggesting that the federal government may want to limit high-deductible health plans click here to adults because its members see families withholding important primary care for their children. click 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. read…

In even wealthier households, the least likely to have Obamacare coverage, the increase was more pronounced. The percentage of middle-to-lower income Americans who said they skipped getting health care because of cost dropped, it said. Without knowing the full cost, consumers are “paralyzed,” she said, so they don’t take care of their health needs. In 2013 the number was just 16%. Take payday loans online 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. In households making more than $75,000 a year, it said, 28 percent reported skipping professional health care services due to cost. blog

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. click here

Assemblyman Craig J. Today courts hold companies responsible for the fallout from a breach, as Target is finding. news

That’s no longer true. 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. The legislature is looking into a number of bills that could address the issue, he said, including measures that would give more price information to consumers or create an arbitration system to resolve billing disputes between insurance companies and health care providers. Advances in pharmaceuticals and technology are expensive, and high use of health care, especially in the Northeast, requires numerous facilities and staff, she said. more…. The pain re-emerged in recent weeks, but he is trying to wait it out as he has done in the past, he said. blog

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

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. blog

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. blog

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 click here simply too expensive, according to two recent polls and a statement from the American Academy of Pediatrics. Health care is click here 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. 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. car insurance quotes | payday loans online

“I am procrastinating going to the doctor because of experience with back pain and that it will usually subside,” Pula said. That figure is up 65 percent over 2013, according to the survey. Both are federally regulated and have strict data security compliance standards. more…

The problem is easy to identify but difficult to solve. The owner ended up buying a cyberliability policy.

Smaller businesses are especially vulnerable, said Ness. 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. read more

“Those things shock the conscience,” he said. news

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

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

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

“More and more of [the cost] is being put on the employee, and because of that, they’re reluctant payday loans to get the care they need because they’re concerned about the cost,” she said

News

One last thing in case your health should worsen and make qualifying for preferred life insurance rates impossible: Be sure to get a term life policy that is convertible to a permanent life policy, guaranteed. That means when your price guarantee ends View site… on your term life insurance policy, you are guaranteed the right to continue coverage if you still need it at preferred permanent life insurance rates.

These plans make use of an IRS tax code that allows companies to take insurance tax deductions on insurance premiums they pay on policies for employees Redirected href=”http://quoteze.com”>cheap car insurance quotes. Those premiums count as part of an employee’s compensation, but they are assessed at a reduced tax rate.

“The additional insurance really just works for the owners, who were going to take that income anyway,” Mr. Turner says.

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 read more employees’ accounts at the same time. That wasn’t the couple’s immediate priority. So Mr. Turner found a solution that specifically benefited them: a Section 79 insurance plan.

So many variables help determine the amount of life insurance you should carry. Do you want to fund your children’s college 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 Continue reading this.. 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 insurance income? If not, how much additional monthly income would the survivor need?

The couple’s business had a banner year, generating about $1 million in profits–much of which they planned to read more take as personal income. sarasota dui lawyer

The policy also Visit website will provide the couple with tax-free retirement income from a cash-value Visit us. component of the policy that grows based 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.

“Money is a tool, and the value that a financial professional provides is in knowing how to use those tools to provide clients with what they want, which in this case was reducing taxes,” Mr. Turner says. “It’s incumbent on financial professionals to find out what those hot button issues are for their clients.”

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 Visit us. years. los angeles dui attorney

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 My website attorney with Young Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. Click href=”http://hawthornescafe.com”>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 Great site 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 This one 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 Site web 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://westbankcyclery.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 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 Website here! 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 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 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 See here 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 Visit this page on what he’s got going there in Dothan.”

Elliott said watching his father attend and complete law school and build his law Read here 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 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 Click was pleasantly surprised that two of them decided to become attorneys.”

The Law

A federal judge could rule early next week whether Online 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 Home 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 External link 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 Site internet 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 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 Visit website his office with Silverstein in 2012.

Now, after a yahoo 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://coldwellbankerjmw.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 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 my Click 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 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 This one 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 Visit site said. “I would like to really get out into a larger firm, and put in Visit website 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 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.”

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The search engine will use that information to search for plans that fit the driver’s preferences. A policy can provide liability, comprehensive or collision coverage. Client should http://kessingerlawncareinc.com always compare rates to find the best prices.

Cheap is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers.

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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

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

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed RSS 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 Visit site 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 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 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://simpelosalonandspa.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 More information 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 Read here initially represented JTR Enterprises in the admiralty Review 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 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 See page 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 RSS 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 Review complete law school and build his law firm has encouraged him yahoo 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 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 :: How can Network Marketing / MLM Business Owners Reduce the Risk of an IRS Audit?

Network Marketing / Multi Level Marketing professionals often ask me “What are my chances of an IRS audit?” Many others ask “If I overpay my income tax, will that make me audit-proof?”

If you’re serious about your Network Marketing business, you should maintain a separate checking account for the business. You should also hire a professional to prepare your tax return. You’ll usually save far more in taxes than you’ll spend in tax preparer fees. Tax professionals know More info the rules, prepare hundreds of returns each year, can lower your tax bill, and help you avoid mistakes that might otherwise lead to an IRS audit.

3. DIF scores. The IRS uses a method of computer scoring, called Discriminate Index Function ratios, to select taxpayers for an audit. This method identifies extraordinary tax deductions such as excess travel, entertainment, or vehicle expenses.

The IRS doesn’t care if you overpay in one area–you will still get Go to website hit with interest and penalties if you underpay in another area.

Will overpaying your income taxes make you audit-proof? Repeat after me: They don’t care. The IRS doesn’t care if Visit their website you pay the right amount of tax, or even overpay your taxes. They DO care if you pay less than you owe, and also if you can’t substantiate deductions you’ve claimed on your return.

In conclusion, the best way payday loans to “Audit Proof” yourself is to properly document your expenses and make sure you are getting good advice from your tax accountant.

4. Document Compliance. If you’re typically slow to file (miss filing deadlines), or quick to file amended returns (looking for bigger refunds), you can put yourself at a higher risk of a tax audit. Haphazard non-compliance, or lack of attention to Official site form details, can be like waiving a red flag and screaming “I’m over here! Audit me!”

As you know, one of the big keys to success in network marketing is to “Never Quit”. The good news is that the vast majority of those who stay with their company for 10 years or longer hit the top position in the company’s compensation plan! The downside risk is that the longer you stay in business–any business–the greater the chances are that you’ll be audited at least once. And if any irregularities are found, audit lightning can strike more than once! So… let’s look at how tax returns are Read here selected for an audit, and how can you reduce Linkedin the risk of it happening to you.

2. Targeted See here selection. Certain types of businesses are more likely to be audited RSS Feed than others. The IRS will focus like a laser on certain businesses if experience has shown a high degree of noncompliance with the tax laws. In times past, lawyers, car dealers, and funeral homes, for example, have had a target on their back.

While there’s not a lot you can do to avoid the glare of DIF scores or random selection, one thing you can and should do is cheap car insurance keep good records. Always carry an appointment book or day-timer to record your auto mileage, travel, and meals / entertainment records. You should also keep special records for equipment that you use for both business and personal purposes. Computers, cell phones, and vehicles used for both business and personal use are great examples; these are called “listed property” and the rules that dictate how much you can deduct for business usage requires detailed record-keeping.

First off, the odds of having the IRS select your tax return for an audit are very low. Roughly 1% of all taxpayers get audited in any one year. However, as a small business owner, you are much more likely to be audited than W-2 wage earners. In fact, sole proprietors (the legal entity structure for 80% of MLM businesses) are three times more likely to be audited than W-2 employees.

The IRS selects taxpayers for an audit in several ways:

1. Random selection. Sounds like something Darwin made up, but nevertheless, it applies here. The IRS simply selects some businesses at random.

Insurance :: Citizens Insurance Michigan

The Platinum Auto service is a special type of insurance by the company offering smart savings feature with all the discounts and a stand-alone customer support from the rest of the company’s products; it even has a dedicated phone line for Platinum customers. Compared to all competitors in the market of car insurance Michigan, it obviously stands out from the crowd. Platinum Auto protection by Citizens Insurance Michigan covers at least the following issues.

2. Child Restraint System Browse… Replacement

4. Replacement Parts

If the safety glass is damaged in an accident, the repair will be completed at the preferred glass cheap car insurance provider with no deductible as well. If you choose to have it fixed at a glass provider of your own choosing, the company still covers the cost but it is limited to a reasonable amount. If the safety glass needs a replacement, only $100 deductible is required.

In case web page a single accident brings damages to one or more properties such as two vehicles, this car insurance Michigan requires you to See page pay only one deductible and the company will click cover the entire damages. This rule loans also applies if a single accident damages your car and home or any other type of property.

1. Waiver of Deductible

3. Glass Coverage

A damaged car costs money to repair since you need to Review replace some parts on the body and the mechanical parts too. Both are covered by this car insurance Michigan; this option includes the use of OEM and non-body related parts such as batteries and tires.

5. Rental and Towing Citizens Insurance Michigan gives you URL a rental car for as long as it takes until your damaged car is completely fixed and ready to go again. Also, it gives Roadside Assistant with up to $75 coverage for broken, lost, or stolen keys.

Child safety feature cheap auto insurance is often overlooked by most companies, but not with Citizens Insurance Michigan. In the event of accident where the child restraint system is damaged, the company will cover the cost for replacement for up to $300. The best thing is that you don’t have to pay deductible for that.

Citizens Insurance is owned by The Hannover Insurance Group, one of the biggest and best property and casualty insurers in United States. It is now currently on the top 25 insurance providers in the country with more than 160 years of experience in this industry. Besides property and casualty, Hannover Group also provides coverage for healthcare, business, industrial property Great site risk, technology, and more.

Insurance :: Damage Control: Mitigating the Effects of Rising Product Liability Insurance Rates.

It had to happen.

Product liability insurance rates for the dietary supplement business, which have been in a steep decline for about seven years, have bottomed out in the previous ninety days, and are probably headed upwards in the coming term.

Why? Rates have declined by 80% according to some estimates. They couldn’t go down without end. Insurers have been struck by shattering losses and an progressively litigious social environment. Interest rates are at monumental lows with no end in sight. The ebb and flow, roller coaster course of premiums for commercial insurance has historical precedence and is destined once again to rise.

Nevertheless there are several practical steps you can put into practice that improve the odds that you will endure the seller’s market for insurance and be around to capitalize on the next buyers market when it comes.

Now, some tips.

Don’t car insurance quotes Delay Until the Last Minute

Start talking to your broker about your renewal at least 90 days before the renewal date. Underwriters will be asking more questions about your business, questions they weren’t bothering to ask last year. Since the process is going to be more difficult, it will take more time.

Focus on Coverage- With Price

Take some time in understanding your coverage. And not simply for product liability insurance rates (although for most supplement companies this is far and away the most pricey policy they purchase). Are Click here! the risks you’re most worried about insured in your current coverage? Are you aware of areas wherein you have exposure but no coverage? Read your policies, or better yet meet with your insurance professional and carry a comprehensive review of coverage. Be prepared, as one more characteristic of a “hard” or sellers market is that insurance companies invariably attempt to reduce coverage by adding up exclusions cheap car insurance and endorsements that conflict with what you thought you were buying.

Inform Management for Higher Premiums

Nobody likes surprises. Mid-level managers at larger companies need to prepare the bosses for higher premium rates. Insurance buyers should communicate with internal senior management regarding the company’s tolerances for uninsured risk, as deductibles may External link rise and high limits of liability click here insurance may perhaps no longer be an affordable luxury.

Step in to your Underwriters Shoes

Attempt to imagine yourself as auto insurance quotes the product liability underwriter for your business. What questions would you ask and how can your company respond to them? You accepted a 483 warning letter this year (it’s on the internet My company and your underwriter will find it)-do you have a ready and logical explanation? Can you give copies of the certificate of insurance program you mange for your suppliers or-do you even have one? Are there any elements of your website that would frighten away an otherwise interested underwriter (sports nutrition companies should take special note of this suggestion). Have you jumped from carrier to carrier each year (red flag for an underwriter) or does your record show that you have demonstrated some level of loyalty to one or two carriers?

If you’ve had insured claims in the last five years, are you prepared to tell your side of the story as to what happened, and present supporting records if asked?

Select a Broker Who Specializes In Your Industry and Team Up

Have you ever said to yourself, “my broker clearly does not understand what we do”? Make it a top priority to find a broker who understands the supplement industry and will be an Official website effective advocate for your insurance interests. Whether you supply raw material, finished product, or both, in a hard market the underwriter will still place you in the dietary supplement arena, where some unscrupulous characters still thrive. The reality is you are going to pay for that association, and a competent broker will have the skills to distinguish you from the rest of the pack.

In addition, most insurance buyers are not aware that all insurers offering product liability to the dietary supplement business require the use of a wholesale insurance broker to retrieve them. So the broker you select (hereafter called the “retail broker”) must cheap auto insurance submit your account to a wholesale broker, who in turn will RSS Feed yield it to viable insurance companies. Most people are under the impression that their retail broker is talking directly with the insurance underwriters. This is not the case. As a result, the introduction of even another party to the buying chain makes the insurance procurement process more vulnerable to something “falling between the cracks.” With two brokers (wholesale and retail) now in the picture, it is even more critical that a company select a competent and knowledgeable retail broker to coordinate the marketing of its insurance

So select your broker carefully– and don’t wait until the last minute!

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 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 payday loans 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 payday loans have higher interest rates than Federal loans, and payday loans online 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 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 payday loans online 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 payday loans online 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 payday loans Tough Journey

However, borrowers with private loans still This one have a tough journey to face if they want to get a private student loan modification from their lender. it’s important blog that borrowers remember that these are still for-profit companies, and so any loan modification is not going to be payday loans 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 Fargo will agree to any student loan modification.

If you’re mired in private student loan debt, the best thing you can do is pay them off as quickly Learn more as possible. Find a side hustle, work extra hours, whatever it takes to get the income to pay off the loan.

Insurance

Chief Official website executives and other senior officials at insurance companies in Britain will be made more directly accountable to regulators for Read here 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 Bailey said.

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

Under the so-called “reversal of burden of proof” proposals for banks, top managers would have to prove to regulators they were unaware 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 Go here 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 was Web link here 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 new regime for insurers such read as Visit here Prudential and Aviva will apply to chief executives, chief finance officers, chief risk officers, heads of internal audit and chief actuaries.

The watchdog will also publish a further consultation on how non-executive RSS directors at insurance and banking firms will come under the new accountability rules.