What You Should Know About Resources This Year

Advantages Of Kicking Cigarette Addiction

People have been smoking since time immemorial and for as long as I can remember I have always seen someone with a cigarette stick between their fingers. Some people have quit smoking due to many different reasons. In spite of knowing the dangers associated with cigarette smoking, most people decide to ignore.

When one kicks the cigarette smoking habit, they are better placed to receive the many benefits that accompany it such which include improvement in their health. One of the health challenges that stem from smoking cigarette both actively and passively causes failure in the lungs of people which is a health disaster. This happens due to the tar that is available in the smoke in cigarettes coating the lung thus clogging the air sacs in the lungs. One’s lung function reduces as a side effect of damaged lungs from smoking cigarette.

When one stops smoking; their financial situation significantly improves. With reduced wastage of money to buy cigarettes, one can use the money saved to do other things that are of benefit. Since smokers love their fix, the price of cigarettes which keeps going up every single time is tough to maintain.

Additionally, when one quits smoking, they can have a better standing in society. Since smokers are considered a nuisance in public places, they have always been shunned by people who do not smoke since they cause one to smoke passively. Therefore, when one ceases to smoke, their relationships with others improve greatly.

The habit of smoking makes one look older than they are, it is, therefore, important to stop smoking to improve one’s appearance. It is not a lost cause when a person’s skin loses elasticity from smoking, one can quit and benefit by looking you again and regaining their youthfulness. Huffing and puffing tobacco smoke causes stress to the facial muscles which in turn leads to the formation of lines- a symbol of old age.

Constant smoking makes the taste buds to lose their sensitivity’; when this happens, food is no longer enjoyable even if it is prepared most deliciously. It is however not a lost cause because it is fixable if one ceases smoking. One can go back to experiencing the different taste of food that they eat.

When a person smokes cigarettes for extended periods of time, their teeth get stained and lose their whiteness. However, quitting smoking gives one chance to regain their beautiful smile, after which a dentist can work on restoring the white nature of the teeth.

If you are thinking of kicking the smoking habit to the curb, you should actually do it. There are many things that one stands to benefit from stopping which should be an encouragement to all smokers who hope to kick the habit.

Overwhelmed by the Complexity of Cigarettes? This May Help

What to Do Instead of Smoking Cigarettes

Many people today find it hard to quit smoking even though they understand its health repercussion. The nicotine effect attributes to the idea of taking addictive substance.When one decides to quit smoking, it will take a lot of effort and it is easy to have some severe withdrawal symptoms. It has a physical and mental effect on the smokers, and most of them will associate the practice with the social habits. It is wise that you choose another habit if want to quit the habit.This is done to ensure you put your mind from the cravings and get a healthy lifestyle. Here are important things to do for anyone that wants to stop smoking.

It is good to use nicotine substitute treatments. In the market today, you should be able to find the right one with no withdrawal effects. It does not have much nicotine and this make is it easy to stop this habit. You can use pills, sprays and nicotine patches.If it is hard to stop physical smoking, you should think of vaping. Here, you will need to take e cigarettes that do not have health risks. It is recommended that you begin with e-juice vaping and later move on to e-liquids in order to let your body get accustomed to new feeling.

Eating healthy is also important with the habit. Start a new healthy routine for effective outcome. It will give your body the boosts it deserves. It is wise to take healthy snacks for better results. Some of the snacks include carrot or celery sticks, fresh popcorns and radishes. Some of these snacks are fresh popcorn, celery and carrot sticks and radishes. It will distract you from any cravings that you might have. It is important to consume snacks with healthy proteins such as nuts or seeds. Water is also necessary when you need to stop smoking. It is known to re hydrate one’s skin and also gives you a youthful appearance.It will also help to clean your teeth that have been affected by smoking.You will not get hunger pangs when you get used to this idea. One will need to chew gum in order to let their mind think of something else.

Taking a hot bath is something that will ensure your mind is at peace. Meditation is also great when looking for ways to relax the mind together with the body.It will let you understand the importance of taking care of your body. One should be ready to join a gym where you can achieve your dream of having a great healthy lifestyle. It is necessary to come up with a fresh activity that will occupy your mind.From here, you will appreciate the new you and it is easy to stay in that healthy position for the rest of your life.

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The Ultimate Guide to Products

Lifestyle Accessories for the Luxurious

It feels good to show off those luxurious accessories that you’ve worked hard for and certainly dream of bringing with you wherever you go, since you know for a fact that these are the best accessory items that you are proud to own.

Deluxe handbag and wallet

Having both stylish and luxurious, designer handbag and wallet, which is the perfect place for your hard-earned credit cards to store, is an indication of wealth and taste of one who only wants the best, and, yes, you could also buy an additional luxury wallet for your makeup items, as well, as all women cannot do without. Today, sales for designer brand, duffle style handbags for men have grown surprisingly high, as men have become fashionably conscious, too, or if not a trend among the yuppies, which work well for carrying a lot of things on their travels.

Owning a smartphone

Nowadays, the kind of smartphone you own spells wealth, especially if it’s the latest iPhone or Galaxy model covered with a customized top-notch device, because a smartphone symbolizes not just affluence, but also advancement, intelligence, comfortable lifestyle, as it features a lot, residing in a compact gadget, such as phone, camera, map, information, apps, Internet, etc., and all this is smart investment. On top of its portability and programmability, the sensors built into a smartphone have afforded limitless applications, such as games, productivity apps, health and fitness apps, podcasting apps, apps that allow one to paint, photo apps, create music app, and so many more.

Fashionable smart or fitness watch

Only a small percentage of the techie-elite population is into smart watches, so wearing one puts you in a class with the modern fashionable look and this kind of watch is expensive, although not as expensive as the Rolex watch, which will always be a symbol of prosperity, and since smart watches are more affordable, it is expected that this kind of watch will spread fast in the future. An affluent lifestyle includes a day in the gym and wearing a fitness brand watch cannot just help you stay fit, but the watch can provide your daily, workout stat info.

Luxurious look with a brand pair of sunglasses

A pair of sunglasses will always exude the classic representation of a cool, well-off person, but what distinguishes a well-heeled individual from the ordinary wearer is when his/her sunglasses carry a superior designer logo, well-embedded on the sunglasses’ temples, and the great thing about sunglasses is that there are so many styles to choose from to match the face frame of the wearer, as well as its most important function, that is to protect the eyes from the intense glare or reflection of the sun.

Luxury, stylish pair of shoes

The brand name of shoes that an individual is wearing makes the shoes expensive, since the way those shoes were made includes luxury and comfort and lasts longer, that’s why people judge and determine whether someone is poor or rich based on the pair of shoes they wear.

The Value of Law in Our Lives and Society

It is known by all that law is an essential part of a society. It helps to make a society trouble free and peaceful. Law is made by humans in order to change the society with the introduction of equality, justice, and fairness.

Man has made laws, so being a maker we must follow laws too. Government and courts have set these laws and they are applicable for every citizen of a country. Victims are protected by law, whereas criminals are punished by it. You must obey law to avoid its consequences.

Law is very important for a society, for not only maintaining peace but also to control systematic lives of the people. Law protects a society from anarchy, chaos and disorder. Criminal actions like trespassing, rape, steal, damage, bully, murder and terrorism are controlled by the Law. This saves the society from every criminal act.

Disasters can be caused if people live in a society and start doing things according to their wills and principles. The Law helps to prevent people from doing actions what they want. A mentality of taking revenge will be created among the masses which may turn into unlawful acts. A society will be full of illegal actions, crimes and murders, if there is no law. Rules help a society to consider even a small problem to avoid its bigger consequences in the future.

A simple waste disposal may kill many people, if not prevented now. Cleanliness will not be maintained by people, if there is no such rule. People will find their own ways of living and survival, if they are not bound by laws. A war zone can be created in the world. Laws not only maintain peace in the society but also help to run the human race without any disturbance and in proper order.

A good relationship with each other in a society is regulated by a system of laws. Conflicts are also settled down by the means of law. The respect for human rights is ensured by this procedure of rules and laws. A society can function efficiently and properly only because of the presence of laws. Crimes are being stopped to become an everyday happening with the help of laws, so that children do not grow up finding the crimes to be normal. Future generations of the human race are safe and protected because of strict orders and laws.

So, laws are not only important in the society, but also in human lives

3 Ways to Search for the Best Whistleblower Lawyer

Whistleblower lawyers are the one, who exposes wrongdoing in the health care industry and bring unlawful activity to the attention of the court and the government.

Whistleblower lawyers who expose crime of an individual that is deemed to be illegal within the healthcare industry. They strive hard to bring false allegation to the light of the government/court. Whistleblower lawyers work under the False Claims Act (FCA) in order to punish those people, who deceived the system. The FCA allows individuals to file a lawsuit against criminals who have some in many ways swindled the government. The legal lawyers discover fraudulent activities against the government and blow a whistle on the perpetrators.

A whistleblower determines the interest of an innocent and protects him/her from being falsely accused. The lawyer exposes the violation of statutes, rules, and regulations that appear to be a threat to the financial health. If you are looking for the best whistleblower lawyer, then here are a few tips, which you should consider while choosing a whistleblower lawyer/agency:

Experience: A lawyer who has acute knowledge and expertise in handling the lawsuits related to whistleblowing. Whistleblower lawyers should have experience in handling Qui Tam Cases in the past. There are numerous online legal firms, it is advised that one should not rely on those firms who do not have specific lawyers for handling qui tam lawsuits or fail to mention that their lawyers have won civil cases. Before hiring any potential whistleblower lawyer, check whether they have won any qui tam cases in the past.

Analytical skills: A legal lawyer should have a proper skill set or analytical skills that can help them to investigate the accuracy of the case. There are online law firms that claim that their specialized lawyers handle lawsuit related to FCA, which any ordinary lawyer can also handle. Therefore, it is extremely important for you to ensure that the lawyer can handle any typical case with confidence. The lawyer should effectively communicate and must possess personal qualities to litigate the case very well.

Guidance on the risk: A good whistleblower lawyer counsel/advise an individual in different legal considerations and save from false allegations. The lawyer would share transparency in the case and help avoid any type of pitfalls. Whistleblowing is a stressful activity. It can create a problem for the lawyer and put livelihood, reputation, and personal relationships into risk. The lawyer who stands for truth and justice had can face familial discord.

How to Stop Harassment From Creditors

Creditors can take action to recover their money if you have unpaid debts and this intent is not illegal by itself. However, if the steps taken to recover the debt amount to harassment or cause you trauma, then you have the right to put an end to it.

What is harassment by creditors?

Sending reminders for their dues, calling you for the purpose of recovering the debt during working hours or even taking court action are technically not illegal. Creditors have the right to recover their money owed.

However, if creditors’ behavior includes the following actions, it could be seen as harassment, which you have the right to put a stop to:

– Contacting you any odd hour of the day, including early morning and late night
– Not informing you that your debt has been transferred to a collection agency
– Threatening you, either verbally or physically
– Not acknowledging it if you deny the debt; persisting with their collection practices
– Suggesting or pressuring you to get another loan or sell your existing assets to meet your dues
– Showing you false documents that look like court orders or legal papers to pressure you
– Telling you that your debt liability is a criminal offense or implying that your assets can be taken away from you as part of legal action against you
– Giving you the impression that legal action has been taken against you already
– Informing others about your debt directly or asking them to pass on the message for you
– Contacting you on social networking sites like Facebook

As a consumer, what can you do?

You need to start keeping a record of the calls or contacts made. As a consumer, you have rights that protect you from this harassment. However, ideally, you need to get in touch with a legal professional to help you understand what would work for your case against the creditors’ behavior and how best to stop the harassment immediately.

A legal professional can guide you on how to start building your case while also helping educate you on how best to deal with creditors until the harassment is brought to a full stop.

The Fair Debt Collection Practices Act (FDCPA) puts down certain behaviors by debt collectors that are not acceptable. If collectors indulge in these, legal action can be taken against them:

– Collectors cannot harass or abuse the consumer
– Make repeated calls or use obscene or profane language
– Make threats of violence
– Make public the names of people who have debts unpaid
– Make calls but not identify themselves

The FDCPA allows for certain practices such as:

– Contacting friends or relatives or neighbors of a debtor to learn only about how to contact the debtor
– During this call, they cannot reveal the purpose of the call nor their own identity
– They can call the debtor after 9 p.m., provided they have agreed to it previously
– Violations of the FDCPA can cause lawsuits to be filed and the consumer can win damages, including monetary damage.

Similarly, the Telephone Consumer Protection Act or TCPA also has guidelines on what constitutes legal debt collection practices. The TCPA also regulates the use of calls through automated equipment or what is also termed as robocalling. The TCPA prohibits calling debtors unless there is written consent from them. Violations to the TCPA can attract as much as $500 in monetary damages per incident. In case the violation is found to be willful, this can increase as much as by three times.

Free Legal Advice

What is a Founder Agreement (FA)?

When a startup company comes into existence, it requires a set of rules between the founders/promoters of that company. “Founder Agreement” is a contract which is drawn between the founders/promoters of a company on key issues in regards to their company.

Why do we need it?

· To outline mutual understanding, responsibilities, rights and obligations of each party to the FA and align their goals.

· To keep a record which will prevent ambiguities in future.

· To provide for allocation and distribution of resources.

When to enter such agreement?

– At the time of tabling the idea;

– At the time of incorporation;

– At the time of capitalization.

Standard Terms & Conditions of a FA

· Equity Investment and Shareholding Structure: Who should hold how much shares? Equity should be divided on the basis of contribution of each of the founders respectively.

· Board Management and Governance:How many founders to be on the Board and why? How the company is to be governed?

· Salary: Compute the salaries of the Founders and their increments.

· Roles & Responsibilities: Divide roles and responsibilities at the top management.

· Shareholders’ Meeting: Frequency of meetings, authorized people in the meetings.

· Fresh Issue and Transfer of Shares: Issues such as Lock-in periods, founder selling his stakes, Right of First Refusal, transfer upon death, etc.

· Approval of Debts: What will be the procedure to approve action which might incur debts to the company?

· Appointment and Removal of a CEO: It should be agreed as to how founder(s) will appoint and remove the CEO.

· Vesting: Right of the company to buy back its shares upon some contingencies is mentioned.

· Confidentiality, Non-Compete and Non-solicit:A founder not to engage in any activity (espionage, breach of confidentiality) with any other entity which would jeopardize or be adverse to the company’s interests or would directly compete with the company.

· Representation and Warranties: Founders are restricted from entering into any other contracts which would limit their obligation towards the company and also, prevent any third party rights over the Intellectual Property of the founder(s)/company.

· Amicable Exit from business: A strategy as to how to exit from the business should be devised.

· IP Rights: Intellectual Property Rights should be accorded to the company and in case of partnership, to all the partners.

· Indemnity: Founders to indemnify the investors for the loss caused by misrepresentation or warranties given to them.

· Governing Law and Dispute Resolution: The FA should mention the laws to be followed and the process of dispute resolution.

Statutory Law References

Sec. 2(h) of the Indian Contract Act, 1872.

Important Do(s) and Dont(s)

· It should be a written agreement to remove ambiguities,

· It should be entered into at the time of incorporation of the company,

· Ensure the legality of the contract and its proper execution,

· Do not provide for severability of clauses as it is not recognized under Indian laws,

· Articles of Association should contain the provisions of FA.

· Above all, lawyer consultation is necessary to draft the agreement so as to review the legalities.

How Lawyers Can Mindfully Cope With Changes Coming To The Legal Profession

The legal profession is facing an avalanche of change in the way it conducts its business. We think we are used to change because that is the nature of law. We live in the changing world of courts, business, technology and legislation. Now we are also experiencing a world where books are being replaced by eBooks, where DVDs are being replaced by live streaming, hotels by renting rooms in people’s homes, taxis by Uber and bank loans by peer to peer lending.

What Is Changing For Lawyers?

The following five trends are impacting the legal profession:

    1. Outsourcing: This trend has already impacted other professions such as accounting and is now impacting the legal profession. Some paralegal and litigation support tasks such as coding and document review are being outsourced saving you time, money and the need to have some skills.
    1. Artificial Intelligence: Legal research has been done online for some time and already reduces the amount of time it used to take to research. But the quality of what is available to us in terms of legal research is about to change exponentially with the advent of artificial intelligence. Legal software will only become cleverer at predicting rulings, conducting research and recommending courses of action. Although it will make our roles much more efficient, it will also come with a whole new set of challenges in the way we invoice clients and how we ensure the advice we are giving is correct and up to date. We will still need to know whether something has changed in the last few days which won’t have been incorporated in the predictive software at the time we are giving advice.
    1. Social Media: It has now become part of how we market our legal services, how we recruit, how we conduct research into the people we are recruiting and how we gather evidence to support our client’s position. It will only become more so in the future.
    1. A Multi-Generational Workforce: For the first time in history we now have four generations working side by side in the legal workspace. We have traditionalists, baby boomers, generation X and generation Y working together. People are now working longer and it means in some places there is a generation gap of over 50 years between the youngest and the oldest employees. This requires levels of tolerance, understanding and communication we might not be used to.
  1. Alternative Billing Models: The traditional billable hours model was not popular with our clients and was seen as rewarding inefficiency. As intelligent software becomes more commonplace, it will bring about further changes to the traditional billable hours model. The value of our advice will no longer bear much relationship to how long it took us to provide it.

Global research by Deloitte has found other issues from a worldwide survey of legal clients. Nearly half of all legal service providers interviewed indicated that regulatory compliance, mediation and arbitration and litigation were growing areas in their businesses. However, the same researchers also found that loyalty to a law firm was no guaranteed. More than half (55%) of those interviewed said they had recently reviewed their arrangement with their legal supplier or would be doing so within 12 months.Deloitte also found that what people wanted from their law firm was now changing. Instead of pure legal advice, clients also wanted their lawyers to have more industry, commercial or non-legal expertise. They thought it would be helpful if they had digital, data, privacy & cyber security skills and if they were more proactive with their knowledge sharing. This may eventually result in law firms having partnering arrangements with other professions so that client needs can be more fully serviced.

Interesting Changes That Have Already Happened

What changes have I already seen professionals undertake? Here are some:

  • A not for profit family law firm where profits are either donated to a suitable charity or put back into to the organisation or staff, rather than being paid out to partners as profits.
  • The use of emoticons in correspondence by one law firm because putting a happy face at the end of an email makes sure the other party knows you aren’t looking to escalate a dispute.
  • The formation of strong networks with other professionals who might refer work to you or vice versa. These networks might contain anyone from accountants, bankers, financial planners, insurance and stock brokers to health professionals. You can form these networks on an informal basis, or with regular monthly meetings where you all invite your clients to come along to a meet and greet.
  • One firm has a ‘digital festival’ every six months to keep clients up to date on relevant technology and any relevant legal issues or risks associated with using or not using it.
  • Apps which help people track what stage their file is at (eg text alert when search sent off to a government department or when lease sent to tenant), when their next meeting is, the government bodies they will need to contact for different issues etc.
  • Strategic positioning of law offices into non-traditional physical locations such as health or innovation hubs.

How Do We Mindfully Cope With This Amount Of ChangeLawyers are traditionally conservative. We have a way we are using to being perceived, a way we dress and speak, a way we expect our office furniture to look and a standard approach to how business is done… pretty much, the way it always has been. Now we are being asked to shake things up and make changes to the way we do business if we are to stay relevant.

Change can be a good thing. If you are old enough to remember black and white TV, cassette tapes you had to wind with a pencil when they broke, floppy disks or fax machines you will know what I am talking about. Have you ever sold your house? Did you engage in a frenzy of cleaning, throwing out, moving furniture to new places and repairing things you had put up with for years. After it was all done, did you stand back and look at this sparkling house and wonder why you ever thought selling and moving was a good idea? Your legal practice could probably benefit from a similar clean out, repair and shake up. Instead of seeing these changes as a disruption, how about if you saw them as an opportunity to upgrade?

Our very human reaction to change is to see it as a bad or threatening thing. After all, that is what kept us safe when we were evolving. Every change in our environment was a potential threat to our existence. Mindfulness asks you to see change, just as change. It is neither good nor bad, it is merely change.

Mindfulness also asks that you acknowledge change is required and accept what that will mean. Acceptance means not railing against the need for change, but rather accepting it and working out step by step what can be done about it.

Starting with small changes will make it easier. Pick something relatively easy, like building your referral network by one person a month and start there. Every step you take will count. After you have made a couple of smaller steps, you could tackle something bigger such as social media for your business if you haven’t already done so.v

The changes coming our way are neither good, nor bad, they are merely an opportunity for us to do business better.

The Major Keys of a Legal Service System

In whichever country we may reside we are bound by the laws of the place. Every country state has its own set of laws that the people, organizations and every alternate system have to abide by. The citizens have to limit their activities according to the demands of the state and country. In any country, the Supreme Court is the guardian of the legal system. All activities have to be brought to the notice of the Supreme Court and its subordinate judicial systems. Let us discuss the system briefly.

Supreme Court

As we already discussed, the Supreme Court is the highest system of any country. It is the father legal service provider. Even the head of the state or the country has to abide by its rules. The judge of this court has the final say in every matter.

• Suppose it is a criminal case where the offender has been found guilty and has been awarded capital punishment by the subordinate court. In that case, he may appeal to the Supreme Court. If the court finds him guilty he may be punished or he may be pardoned. If punished he cannot appeal any further.

• If there is a conflict between the centre and the state of any country the decision of the Supreme Court prevails.

• If a citizen feels that his/her fundamental rights have been obstructed by any person, group, or organization he/she may bring it to the notice of the highest court of the land.

Other Courts

There are several levels of the court. Some are local and some are higher than that. All of them work at the discretion of the Supreme Court.

Judges

The judges are a key factor to solve any cases that comes to the court. The judges have to be impartial in their views and have to listen to every case very carefully. After all the hearing they have to pass their judgment to the people impartially and what he feels would be best suited as per rule book of the place.

A Lawyer

The lawyer may be the least member of the court which one can relate to though he is the most important one. He acts as the connection between a person, an organization or a group and the court. He/she is the one who represents the case of a person, the organization or the group to the court. They are well accustomed to all rules and regulations and they help a person to get judgment.

In case you are in any problem that involves legal issues, approach a lawyer who would impart you proper legal advice and let you be in the right path.

6 Winning Asset Management Strategies That You Need to Apply Now

Did you ever come across a beggar who was sued by a multinational company with a stocky lawsuit? We are sure you dint! After all, lawsuits are not consistent to those who have limited assets and simultaneously, it becomes a matter of concern for those who have hefty pockets. So if you fall in the league and have some substantial assets in your credit then wait- knowing these winning asset management strategies is recommended to you. Consider all the major money moves and implement them in your professional understandings.

1. Know your insurance:

Insurance can be your first line of defense against any form of legal obligation and litigation. If you are dealing with complex assets, then make sure to increase the limits of your liabilities. For instance, if you are receiving $5 million from a broker then ask your insurance manager to give you $5 million liability policy.

2. Recheck your decision to invest your savings in a joint account:

The state wise law might differ in this case, but it is recommended to keep your assets separate if you have a joint account with your spouse or a business partner. If you want to share the ownership of windfall with your spouse, then you can discussion your special case with a recommended asset protection attorney.

3. Beware from renters:

If you are planning to invest your income in a rental property, then make sure to create an LLC or a separate business entity to protect your assets. In case you are not doing this, you are indirectly giving unwanted advantage to your tenants who can then sue your rental property in any disgruntle situation.

4. Turn your informal partnerships to legal business:

The risk of informal partnership is someone similar to that of having a joint account. If you are a part of an informal partnership, then you are taking the responsibility and liability of your partner’s mistake too. Protect yourself with a legal and formal partnership and define your limitations.

5. Create a shield to your assets:

Whether you are running a small business or it is just a part-time engagement, take steps to turn it to a formal business entity so that you can protect it against any legal lawsuit. Legal experience can be a daunting experience… it can change your life like never before.

6. Understand the meaning of corporations:

You can divide corporations in two broad categories- 1) S corporations and 2) C corporations which are taxed differently and have different restrictions as far as ownership is concerned. Corporations are the best and the most excellent ways of protecting your assets. There are a few exceptions here which can land you in trouble, for instance, failure of paying payroll to the IRS, not separating your corporation from your personal assets, and so on.