Why Should I Avail of Car Insurance?

Temptation comes in many, many forms. This is a day and age when “You Only Live Once” is a saying that is made as an excuse to live as recklessly and as joyously as possible – as if that excuses foolish decisions made on the spot that can then have very permanent consequences.

It is true, though – you only live once. So why waste it by taking unnecessary risks that can only hinder the full life experience or maybe even prematurely end it?

You can think of car insurance as an investment – and you know how investments work. You put down a substantial amount of money that will benefit you in the long run. Now, car insurance works as a kind of safety blanket or support system should anything unfortunate happen to your car. In this day and age where public transportation is a near nightmare in just about any metropolitan city in the United States and having your own car is practically a necessity, insurance is technically an investment to care take of your investment, should anything nefarious happen to it like sudden damage or even theft.

According to the website of Habush Habush & Rottier S.C. ®, some car accidents that leave people absolutely devastated can be caused by other people – so you can be absolutely anyone and be careful and diligent on the road and still be in an accident because someone else wasn’t as careful as you are. These are reasons enough as to why you should get car insurance but more than that, it is often a legal mandate for car owners to be protected by car insurance.

Ignorance of the law excuses no one, after all, and nobody is above its mandate. It may seem like something tempting to ignore for now but sometimes, it can do you a world of good to think of your life in the future too as well as thinking about the pleasures of life that you can enjoy right now.

A Loose Screw (or Soft Tire) Could Kill You

We often take our vehicles for granted. Even when we maintain them religiously, we do not really go down to the nuts and bolts to understand how they work or if they are properly constructed. Instead, we trust that the vehicle operators, parts manufacturers, the automobile makers, and the auto repair mechanics have done their job is making sure our vehicles are safe to operate. According to the website of Attorney Ali Mokaram, this is not always the case. When a mechanical defect or a defective design involves a truck, it can cause a major amount of hurt to a lot of people. Common defects that can cause truck accidents include:

Defective Brakes

Brakes need to be especially reliable with trucks, because these are heavy vehicles. It takes more effort for it to stop than a regular car. In most cases, trucks use air brakes, so it is important that each component be in good condition to prevent slippage at crucial moments.

Worn out or Defective Tires

Trucks put a lot of miles on the road, which is why their tires wear out pretty quickly. The tires of big rigs, also called 18-wheelers, have to be constantly checked and rotated to make sure the tires are properly inflated and wear out evenly to avoid blowouts. Tires also need regular replacement with good quality tires. Trucks are often given warnings about balding tires and other problems, but these are not always given due attention.

Flimsy Rear Guards

When a passenger car hits a truck from behind, the biggest danger is that the passenger car is forced under the truck, impacting the windshield. This is why rear guards are installed in large commercial trucks. These are metal bars set low under the tailgate to prevent smaller cars from going too far under and hitting the windshield. In many tests, however, many rear guards fail when a vehicle strikes them at 35 mph.

If you were injured seriously in a defective truck accident, you could be eligible for compensation. Consult with a truck accident lawyer in your area for more information.

Things You Need to Know about Storage

There is a rule of thumb that most people should follow when it comes to their everyday possessions: if you haven’t used it in one year, get rid of it. It is excellent advice for simplifying your life. You could also make some quick cash with it. However, there are some circumstances when it is better to store them.

The most common one is that you have to go away for a while but intend to come back. Another reason is that you inherited stuff you don’t have room for yet, but don’t want to sell for sentimental reasons. The easiest solution for such cases is putting them in storage. However, since you attach some importance to these things, you should take time to choose a good storage company. Here are some considerations for you as suggested by the Better Business Bureau.


Take the trouble to get written quotes from a minimum of three storage facilities in your area. You can usually get these online, or the facility may want to see what you are going to store before offering an estimate. Compare fees for the rental, storage preparation and packaging, transport, and optional services you need i.e. insurance. Some facilities require a minimum number of months.


Determine how big a space you really need. The storage company will want you to get bigger units, but you can save a lot if you get just the right size. Check also if the climate for your particular storage period will require you to get a climate-controlled unit, which is more expensive than a standard unit. In an area of high humidity such as Pond Springs Mini Storage, you may want to consider a climate-controlled unit if the storage period will include the summer months.


Unless your property is purely sentimental in value, get insurance coverage against fire, theft, and other damage. Some homeowners’ policies include self-storage. If yours doesn’t, find out if the storage facility offers insurance, or ask your insurance agent to get you some.


Your storage facility should provide some measure of security such as surveillance cameras and restricted access. However, even if the facility has good security, it is best to take your own measures. Get a sturdy lock, preferably a heavy-duty padlock for which only you have to key to secure your unit.

The Aftermath of a Poor, Unfortunate Permanent Partial Disability

What if, due to an accident at work, you are permanently damaged from performing your work the same way you might have done it before? And what if this situation was brought out due to negligence of a guilty party? Events such as these often call for extensive medical treatment and procedures and if it involves the loss of organs or body parts then by definition, according to website of Hankey Law Office P.C., the victim is eligible to receive permanent partial disability benefits, and contacting the appropriate law firm is instrumental in receiving the compensation you deserve.

These benefits are a claim from employee to employer as an injury within the workplace that results into this kind of disability falls under the subset of workers compensation, in the league with other personal injury claims such as that of premises liability or dog bites. And as with any personal injury case, the victim of negligence is warranted to receive due compensation for the damage had done unto them.

There is the loss of income for the days unable to work at all to account for as well as the medical expenses that are undoubtedly within the equation of a disability born out of the workplace. There is quite a significant difference between temporary and permanent partial disability, however, and the difference is quite decidedly and blatantly obvious. With a temporary partial disability, the victim is expected to make a full recovery; whilst a permanent partial disability means that the victim will suffer the consequences of the injury for the rest of their lives.

Most permanent partial disability cases involve the loss of limb or body part, commonly separated into scheduled losses (e.g. fingers, legs) or non-scheduled losses (e.g. kidneys, livers). And, again, as with any personal injury claim – a claim like this is long, arduous work that involves lots of legal jargon and procedures that may be more work that you need, given the situation.

That is why it is advisable for you to contact a workers compensation lawyer, if you or someone you know should find yourself or them in an unfortunate situation such as this.

Leaving the Scene in New Jersey

A misfortunate utility pole met its demise when a man backed into it in Cumberland County. To make matters worse, the driver left the scene of the accident, effectively making it a hit-and-run although no human was hurt. The reason he fled the scene? He was avoiding getting yelled at by his girlfriend who was in the car with him. Now the police are the one giving him a hard time when he was charged with reckless driving and leaving the scene of an accident when he eventually reported the accident.

Leaving the scene of the crime is a crime under New Jersey statute § 39, 4-129 no matter what the circumstances. If there is property damage but no injury to persons involved, the driver faces stiff penalties, up to $1,000 in fines for first time offenders, and up to $2,000 for subsequent incidents, and up to 30 days I jail. However, if there had been personal injury involved, this is considered a fourth degree offense, and the driver can be put in prison for as much as 6 months simply for leaving the scene. You can see more about this on a personal injury attorney’s website.

While the case above is a little bit amusing from a sociological perspective, the driver demonstrated a certain lack of backbone in leaving the scene to avoid a scene, and it got him into worse trouble than if he had just stayed and faced the (discordant) music. However, it is not at all amusing to get charged with a crime, and in such cases it is always better to get legal advice from a criminal defense lawyer before saying or doing anything while being interviewed by the police and prior to appearing before a judge. This can lead to a less serious charge and perhaps even a dismissal. The fact that the driver had turned himself in and reported the accident, albeit belatedly, will have a significant impact on the case, especially if he is a first time offender.

Possible Ways of Committing Racial Discrimination

The National Bureau of Economic Research in Cambridge, Massachusetts, conducted two separate studies recently, one of which was on the economic impact of a black-sounding name, its specific effect on chances of being employed. This same study was repeated, in 2008, by Sendhil Mullainathan of the Massachusetts Institute of Technology (MIT) and Marianne Bertrand, an Economics Professor at the University of Chicago’s Booth School of Business.

The results of the original and the repeated studies were the same: that the chances of getting a job were much higher for individuals with White-sounding names than for those with African-American-sounding names.

Many companies, obviously, despite the many federal laws that prohibit job applicant and employee discrimination, end up committing this unlawful practice. It is also quite evident from the study conducted, that majority of the employers based their choice of who to invite for a job interview on the names and not the qualification and work experience of the person. The discouraging results do not end here, though, for based on actual employment records most African-Americans, who make it and get a job offer, are offered a pay that is nearly 25% less compared to their white counterparts.

Well, that is if they make it through the interview, because accent, vocabulary, and diction make up another set of barrier that can seal the company’s door on a job hopeful. Accent, especially, causes a lot of bias – it can make others think either highly or lowly about one’s education, level of intelligence, social status, character, wealth, and so forth. Thus, since having an English accent in the US can create a perception that one is intelligent, some try hard to adopt it –note well that this is just accent, though, with no consideration to the content of what is being said. Well, that’s style over substance – a very poor way of determining one’s real possible worth in the company.

Linguicism (a term coined in the 1980s), which is prejudice about a person based on his/her language skills, affects working immigrants most. A firm’s rule on having a single-language policy, accent preference, or being evaluated with having poor communications skills by managers/supervisors, even if the job does not really require language fluency, can be interpreted as nothing less than racial discrimination.

Title VII of the Civil Rights Act of 1964 provides employees protection from the many forms of discriminatory practices (based on religion, color, sex, national origin and race) that are still major problems in many firms. In connection to the stipulations of this Act many state courts are now developing laws that will make discrimination based on language a form of discrimination based on race and/or national origin.

In its website, the law firm of Cary Kane LLP makes mention of the unfair treatment, due to race, that are still being committed in the workplace, affecting so many potential and actual employees. The firm, likewise, expresses concern on the limits to job opportunities and the detrimental emotional and psychological effects racial discrimination can cause in a person.

Cary Kane LLP is not new to lawsuits based on the many different forms of workplace discrimination, due to the so many cases it has fought in the past on behalf of the victims. The firm knows and believes that those who are discriminated need only the best forms of arguments and defense from a highly competitive legal professional.

Facts about Hypertension and Benicar

More than 60 million Americans over 20 years old suffer from hypertension (high blood pressure) at any one time, and this number is growing as a result of increased work stress, unwise lifestyle choices, and age. Mild hypertension can be managed quite easily with a healthy diet and regular exercise, but unfortunately more than half of hypertensive subjects exercise little or no control over their medical condition, with the result that it gets worse over time. At the point when most people finally decide to manage it with medication is when it is so bad that 1,000 people die every day primarily because of hypertension.

Even when they seek help in managing their high blood pressure, they are more likely to depend on medication than make any lifestyle changes, which is why drugs that are designed to lower blood pressure like Benicar (olmesartan) are widely prescribed. In 2012, manufacturer Daiichi Sankyo registered $2.446 billion in sales from Benicar alone.

Benicar a brand-name drug sold in the US from a class called angiosten II receptor blockers (ARBs) or sartans . There are several drug classes designed primarily to manage hypertension, and all of them have side effects to some degree. As discussed on the website of law firm Williams Kherkher, sartans as a whole are known to cause dizziness and diarrhea and they are contraindicated for patients who are pregnant (Class D drug) and diagnosed with bile duct obstruction. What is unique about Benicar is that it is the only one in its class which may cause patients to develop sprue-like (mimicking celiac disease) enteropathy, which essentially prevents the body from absorbing food nutrients to an alarming degree with continued use.

Some patients who had not known about this particular side effect of Benicar had continued taking the medication until the causative link was finally established. By then, many had sustained permanent damage to their intestinal tract and now require special medical care. Some have already filed lawsuits against Daiichi Sankyo for failure to warn so they can compensation for their injuries. If you are in the same position, you should consider following their lead and consult with a competent Benicar lawyer.

Simple Solutions About Personal Injury That Are Easy To Follow

When you suffer from a personal injury, you may not be thinking about the law. Instead, you may be focused on how to get better. While that is fine, you should also understand how personal injury law works so you are well prepared for what is to come. This article will give you the important facts of personal injury law.

The website of Tennessee personal injury attorneys Pohl & Berk LLP says that a personal injury case essentially boils down to is who was careless in causing the accident. That is the person who will end up paying the bills of the other injured party. Legal liability tends to fall onto the lap of anyone driving recklessly, or someone who didn’t fix a problem which caused the injury of another, which seems fair. Irresponsible behavior should be stopped, and punishing people who behave that way is one way to discourage future recklessness.

When hiring a personal injury lawyer, it is important to find a practitioner with vast experience working on behalf of plaintiffs. By researching the lawyer’s background and experience, you will be sure that you are engaging the services of someone able to work diligently to secure the compensation you and your family deserve.

You deserve respect from your lawyer. If your attorney dismisses your questions or otherwise disrespects you, it may be time to find a new lawyer. Also, if you are having a hard time getting ahold of your attorney, you should consider finding a new one. Making sure that there is a trust between you and your lawyer is very important and should not be overlooked when making your choice.

Hire a lawyer as soon as possible. If you have been injured, try to start the process of locating a lawyer within a week or two at most. If you have been hospitalized, or are otherwise too injured to do the work yourself, enlist the help of a friend or family member. A lawyer is your best bet for a successful personal injury claim outcome.

As the start of this piece mentioned, the law may be furthest thing from your mind when you suffer a personal injury, which is why a personal injury lawyer can be a great help. You do need to focus on it though, seeing as it will be a major part of your life in the weeks, months, and perhaps years to come. The above piece provided you with helpful advice to help you better prepare for your dealings with personal injury law.

Tips for Stay-At-Home Moms

It is not easy for a woman used to working to suddenly have to stay at home with baby. There are usually physical and emotional issues that come into play during this adjustment period; some mothers never make the transition successfully. Here are some sanity-saving tips for stay at home moms.

Get a Life!

Mothers, new ones especially, have been trained to think that once they have children they have to sublimate their own needs for their children’s. To some extent, this is inevitable, but not in all instances. To be a more effective mother, you have to keep yourself whole. You are a person in your own right, and baby will be happier and healthier if you are happy and healthy. Take time to do what you want to avoid feeling suffocated from constant attendance to your child. Pamper yourself occasionally with a spa treatment, a shopping trip, or simply a good book. It will refresh your spirits and make you a lot more patient.

Make Time for Your Partner

The only reason you are a mother is because you have a partner. When baby comes, this should not mean the end of companionship and intimacy. Just as you should take time for yourself, you also need to make time to be with your partner. Schedule a date night at least once a week, or take a couple of hours a day after baby’s asleep to touch base. It will keep your relationship dynamic, which ultimately will be good for your child.

Spend Time with Adults

A lot of mothers often get so wrapped up in their children that they become socially inept; they are unable to hold adult conversations about topics that have nothing to do with child-rearing. They lose touch with friends and other contemporaries. If just to keep your social skills sharp, join a group or enroll in a class for adults and cultivate an interest in outside things. If you are unable to go out regularly, at least keep your social networks updated for some adult contact.

A woman has many roles, and one of them is that of motherhood. Without diminishing the importance of that role, you should remember that you are also a child, sister, wife, friend, and member of the community. Keep your identity and everyone goes home happy.

Escitalopram (Lexapro) Side Effects

Depression can mean many things. It could be a temporary feeling of lowness or sadness that can be easily sidelined, or it could be a major episode where the sufferer is unable to function in everyday life for an extended period. The latter type is called clinical depression and is considered a mental illness rather than an emotional mood.

Clinical depression or depressive illness is believed to affect more than 6% of the US population, and almost a third of this population experience severe forms of the illness. It is believed that depressive illness may be caused by a neurotransmitter imbalance, in which case a good solution would be a selective serotonin reuptake inhibitor (SSRI). SSRIs acts on neurotransmitters to reduce the uptake of serotonin so that it remains longer in the body. This will help restore the balance of neurotransmitters in the body which will hopefully reduce depression. Lexapro is the brand name for a type of SSRI called escitalopram.

Escitalopram is prescribed as an acute treatment protocol for major depressive disorder and generalized anxiety disorder in patients 12 years old and above. It is very similar in action to citalopram (Celexa) and they have similar side effects, although escitalopram is considered more effective in treating anxiety disorders.

Like citalopram, the most common escitalopram side effect is sexual problems such as decreased sexual interest and anorgasmia (difficulty in achieving orgasm) which in some cases can be permanent when the patient stops taking the drug, which is called post SSRI sexual dysfunction. There is evidence that escitalopram may increase the incidence of suicidality in adult patients, up to 2.4 times in some studies.

Other side effects include dry mouth, diarrhea or constipation, nausea, excessive yawning, drowsiness, frequent urination, increased sweating, trembling, insomnia, nightmares, and fatigue. Some people also develop a habit of teeth grinding (bruxism), cardiac arrhythmia, anxiety, blood pressure changes, mood swings, headache, dilated pupils, and dizziness, and rarely convulsions, photosensitivity and hallucinations.