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Why Marijuana Should be Legal

Many Americans feel that Marijuana is helping fund the war on terror, but making a war on drugs and keeping Marijuana illegal has not stopped millions of Americans from smoking pot everyday. So what is the answer?

First, why is Marijuana illegal? In the 1930’s William Randolph Hearst, who had significant financial interests in the timber industry testified to congress on the evils of marijuana, saying things like it make people insane and commit acts of cannibalism? at this time very few even knew what it was and to stop people from going insane Congress decided to make it illegal.

The truth is many paper manufacturers were thinking of changing from using trees to make paper to using hemp because it was cheaper and easier to grow and better for the environment, and Hearst stood to loose millions so he used his influence and testimony to help get marijuana banned in the USA.

So now that we know why it was made illegal, we can realize that not only would making it legal in the United States stop terrorist from smuggling it into the USA, but would give us another option to cutting down of millions of trees every year for paper products that can be made better from hemp.

Hemp has thousands of uses that we are unable to exploit because of its illegal status.

During WWII hemp was used for the rigging on parachutes as well as rope and material for uniforms.

Nowadays Marijuana can be used to relieve pain and some of the effect of cancer treatments and old age.

It has been proven to slow down the spreading of Alzheimer’s, relieve the pressure behind the eyes from glaucoma. It also helps relieve migraine headaches and the side effect of cancer treatment.

But until the United States realizes how much money can be made from legalizing it, it will remain illegal.

This is much like the situation with online casinos in the USA. America was sending billions of dollars out of the country and the government needed to do something to keep the money here, so they banned Online Casino and just like online casinos and online gambling I believe one day the government will learn to take advantage of these things instead of just banning them.

Eventually the USA will realize that the best way to stop the flow of money out of the country is not to ban marijuana or online casinos, but to enter the market and compete.

If the USA did what Amsterdam has done the government would make not only billions in Taxes from the sales of Marijuana, but the economy would boom from all the tourism that it would bring in from all over the world.

The truth of the matter is that legalization is inevitable. The attitude of people has changed so drastically over the last 30 years, that eventually when the younger generations start to take over marijuana will eventually become legal because they understand the truth, and that is banning something only makes the market for it stronger.

Who Suffers More In A Divorce?

The name divorce has been a household word for people who need it, or just take it as fashion on self-realization for the never ending illusion for the search of Miss or Mr. Right for a mate in life. Even in the confines of the most settled or established homes the word divorce hovers as a threat to the solemnity of conjugal partnership because of the environmental changes in trends, culture, ignoring some already practiced social conventions.

To be scared of divorce is no longer accounted in such places as United States, Japan, Korea, and Canada, United Kingdom and the commonwealth. As matter of fact, the rise in the U.S. Canada, United Kingdom and the Commonwealth countries is phenomenal that it becomes more of a fashion in todays society. There are still countries, more strongly attached to their traditional roots and values such as the Philippines and some other Asian countries that merely ignore away any proposition in the legislature to adapt divorce.

These countries though they could perceive the real need of divorce are simply not adept toward the impact of some harsh realities experienced by some people within the conjugal partnership. These people are beset by conditions and problems that cant be resolved and the only way out is to find a legal means to free from each other from the bondage of marriages brutalities that connect husband and wife who find no solution to their differences. In the Bible, Jesus speaks of divorce in exceptional unresolved cases in married life. However, though, conditions in what he wanted to apply in the kind of divorce he taught is rampantly tampered, that of not marrying another again. Still sticking to the spiritual rule Let no man put asunder.

Impact of divorce to the defunct family (husband, wife, and children), the effects carried about in that marriage (dividing material things acquired, rights covered by the law, such as custody to children, alimony, etc) is tremendous. Legal fights in courts find it so unwholesome to the growing kids. Other children who are growing up psychologically immature are thrown to traumatic state they suffer for the rest of their lives.

Since divorce is the dissolution of marriage, once it is approved, marriage became null and void in any circumstances it was presented. The annulment that rendered the partnership void does not however carry with it the effects that marriage carry. There are so many conditions that the law impose to protect the psychological, sociological and the emotional health of the each, especially the children, protecting their present and future lives. Allowing separated husband and wife to marry immediately after the divorce are of two different conditions. The man could remarry earlier whereas the woman has to wait for specified days under the circumstance of the law. This is due to the specifications as to the paternity of any child born to the woman after sometime she remarries.

To avoid impending confusion on paternal claim and responsibilities, further extent of time is set for her to remarry that will make definite assurance, the child has not been fathered by the divorced husband. In the presence of confusion because there was conflict in the time of remarriage, the second man should accept or conform to his paternal status to the child, and amenable to full support both moral and material. It passes thru legal process within the scope of duly accepted norm of conduct of the present husband. It may not necessarily undergo formal legal proceedings but what ever the concerned parties had agreed upon privately, may be ratified by the law. This sounds true to the divorced spouses. Any agreement between them in like manner will also be ratified.

There are two kinds of divorce, the absolute and the limited. Absolute divorce is the judicial terminations of marriage bonds because of grieve misconduct of either one or both parties after the divorce has been processed. It also concerns about other statutory causes arising after the separation. Both the divorced husband and wife become single again.

Limited divorce is merely like a separation decree. It terminates merely the cohabitation of concerned husband and wife. It does not state the dissolution of marriage, and their status is not altered.

Who is involved in Legal services?

When you subscribe to a pre-paid legal service, you are likely to deal
with an attorney and a number of other individuals and organisations who
are involved in one way or another with the service. Its important to
understand the role of each participating party in a legal service plan,
particularly when youre unhappy with the service or when fee disputes or
any other litigation with your provider arises.

So, who is involved in your pre-paid legal arrangement?

Your Lawyer

You get to choose your attorney from a pool of attorneys in the network.
Your lawyer is your point of contact for any phone advice or office
consultation. He is the one who furnishes other legal services specified
in your written agreement with your provider: he drafts your will, reviews
simple contracts for you, writes letters on your behalf and makes phone
calls to adverse third parties.
If you are unsatisfied with the quality of work you are getting from your
current attorney in the network then you have the choice of choosing
alternate attorneys. You can also make a complaint to your providers
in-house charge of complaints.

If you benefit from legal services under a group plan scheme then there are
a number of parties who are involved in this scheme.
First the contracted firm, just as is the case with an individual plan, is
the one which provides all the legal help through its network of attorneys.
There are also two parties involved in the deal: a plan administrator and a
plan sponsor.

A plan sponsor is the organisation you are member of, which sponsors your
legal plan. Your sponsor can either choose to provide the legal services as
a fringe-benefit, as is the case with most employers, pre-charge for the
service – universities usually charge for any legal service as part of
tuition fees or charge low-costs, as do trade unions under a
group-bargaining scheme.

Your plan administrator is the person appointed by your sponsor to arrange
for the panel of lawyers from the contracted firm to provide services,
collects all the fees paid into a pre-paid plan, publicizes the plan and
handles enrolment and marketing. The administrator may be a an employee of
the sponsor, an insurance company or an outside firm.

Regulating Authority

Authorities that regulate pre-paid plans provide you with an outline of how
pre-paid legal services are managed and also an outlet in case there are
any complaints.
Individual pre-paid legal plans are generally regulated by your state
department of consumer affairs.
If you are an employee participating in a group plan funded by your
employer, then the legal services are covered and regulated under the
deferral Employee Retirement Income Security Act (ERISA).

The Price of a Divorce

It seems cruel that amid all the emotional struggles a divorce brings with it, money has to be such a tremendous burden and source of added anxiety. Divorces have many costs, some more tangible than others. This is an article about the tangible toll that a failed marriage has and tips on what to expect and how to cope.

From the reallocation of property and debt to child support to taxes to retirement planning, there are a slew of financial issues that are intertwined with most divorces. Chances are you and your spouse share a lot of assets, from furniture to stocks to pets! You might even have a sentimental attachment to some of them. Unless the two of you agree on how to divide all the property up, you might have to brush off on your bartering skills. Some parting couples even opt to sell all the property at once and divide the profits.

While that comfortable sofa and antique dresser might be in demand, the debt you two shared certainly won’t be. A joint credit report deserves a good look as you and your lawyer(s) determine what’s fair. As you distribute the debt, try to cap off whatever debt you currently have. Divorce is expensive and you want to deflate the financial burden as much as you can today. Again, more bartering may be in order here. Take on more debt in exchange for more assets, or vice versa. If you have an open mind and cooperate, you’ll likely come to a fair divorce settlement. It’s not unusual for a divorcing couple to split the debt right down the middle.

Surprisingly, you’re going to have some new tax issues to think about too. If you have dependents, which person will get that tax exemption from now on? Many other tax exemptions and deductibles that you probably took for granted as a married couple will need to be reevaluated after a divorce.

Not to mention, child support and alimony! These issues are highly variable and personable but they are going to be big ones if you and your former spouse have children together.

Men sometimes have great financial difficulties affording child support, but statistics show it’s newly single mothers that have the most money problems. This is especially evident when a woman must suddenly afford childcare or is swept into a new work environment; kids typically must adjust to a lower standard of living, just like their parents, after a divorce.

An entire family structure gets disrupted during a divorce and that has not only an effect on the personal relationships, but on the overall economic situation of all involved. And these financial issues are deep and complex and have enduring effects.

The best advice for you, the soon-to-be-divorced, is to remind yourself the financial turmoil is only temporary and it can be dealt with the most adequately if you can keep your cool and think practically. While it’s tempting, dividing up property and debt is probably not a time for vengeance or proving a point. The divorce will go quicker and more amicably if you try to stay as calm and rational as possible!

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The IRS Levy And Legal Powers Of Garnishment Defined

IRS garnishment refers to the notice issued by the IRS department to withhold all or some part of the money to the court or to the person who has won the lawsuit to claim the money. The IRS garnishment is limited by law according to which only up to 25% of the disposable earning of a particular period can be garnished. Also, the amount by which the disposable earnings exceed thirty times the Federal minimum hourly wage in effect at the time earnings are payable.

If someone has a problem regarding the payment of the taxes he can approach the IRS department and seek relaxation in payments of the dues. Mostly IRS garnishment is levied as the last resort. In most of the cases IRS accepts some sort of payment plan if some basic information is provided. This information includes the returns filed till date. This is required to state that although there are dues pending but the exact financial status has been stated to the government.

All assets need to be disclosed including all cash, bank accounts, investments, etc. This is to certify that there is not enough cash available to pay to the IRS department as tax. Therefore details of all checking accounts, savings account, money market or brokerage account should be clearly stated. The person should also be not in a position to borrow the amount owed to the IRS department. There should not be enough liquidity in the retirement account as well from which money can be borrowed or liquidated.

In case of IRS garnishment the IRS officers do not handle the cases, which are less than $25,000. According the to the IRS garnishment law the person requires to pay the amount which is the difference between the monthly income and expenses required for the month. This amount needs to be submitted to the IRS department for the clearance of tax dues. The IRS has already determined the monthly expenses for any individual. They need to be matched with the persons monthly expense. This is done on the basis of form completed by any individual as stipulated by the IRS department. If the person is a businessman then a financial statement of the business also needs to be attached with the completed form stating the personal financial assessment.

Thus after the filing the returns and completing the form, IRS determines the monthly amount payable towards IRS garnishment. But it is to be noted that all along the payment period IRS shall continue to add penalties and interest on the amount outstanding. This eventually leads to larger payout than the actual sum due towards taxes. This is due to the reason that along with the principal amount due the person also keeps on paying the charges levied as interest or penalty.

Thus it is better to avoid IRS garnishment so as to keep the government at bay. This is payment conditions are usually not explained by the IRS department. Further, IRS also warns the tax payers to look in to the promoters claim which states that tax debts can be settled for less through Offer in Compromise program. This program is only beneficial when the tax payer is eligible as per the rules stated in the program.

Speaking Well In Public Is By No Means Accidental

You might possibly know how jokes can complement your speech. But jokes can also cause your speech to be disastrous. Jokes are both a boon and bane to a speech.

If you are very much in comfort with it, use humor. Just check it first if it fits, serving as a breaker between sections or emphasizing a certain point. A funny and great line, or a comment that is irreverent can help liven up the presentation that you have and will help people to remember the things you have said. Of course any joke must be related to the topic that you have in some way. If you are not sure about something, you could also use a humorous photo or cartoon (with the permission of the photographer or illustrator, of course) in your slides.

Aside from making jokes or humor in your speech, you could improve your public speaking with these other tips.

- You should be able to grab your listeners attention even right at the start. That is why it is important that you start correct confident posture, eloquent speaking style, controlled voice tonality and impact, and a nice, well-thought speech from you.

- The information in your message should be organized clearly and logically, making it easy for your listeners to follow what you are trying to say. Keep things easy and simple. Divide the information into smaller blocks and work from there. Highlight the points that you want your audience to remember.

- Your most crucial point should be the conclusion, bringing the speech to a close. The conclusion sets the tone of the speech, and lets the listeners think about and ponder on the things you have just said. Literary devices, such as quotes, stories, rhetorical questions, or surprising facts, can be used for concluding a speech, although of course, these devices should relate well to the topic of your speech.

- Deliver the conclusion that you have clearly and slowly. Keep eye contact with your listeners as you speak. Smile at them, thanking them for the time that they have given you.

- You should remember all these tips and in due time, you would be surprised to see how these techniques have helped you in your future speaking presentations. Your listeners will eventually understand the information you have given them and respect you for your ability in delivering that information.

Serious Injury Accidents and Insurance Company Coverage Concerns

A serious injury accident can leave you not only physically injured, but can also leave you financially injured. Most of us think that we have insurance to cover such events, and while this is partly true, the insurance companies are primarily concerned with paying as little as possible while transferring the burden of the costs to you.

Many people do not fully understand the in’s and out’s of how insurance companies really work. Insurance companies are generally looking to improve their bottom line and thus their stockholders shares. Let us take a look at how insurance companies work with hospitals to save money and transfer costs to you, the insured.

If you are in a serious injury accident and break your leg, the insurance company will pay the hospital a percentage of the cost to treat your broken leg. Hypothetically, if you break your leg and decide to pay the hospital in full out of your own pocket, the cost would be $5,000. Now most of us assume that our insurance company pays the hospital the full $5,000, but that is not the case. The insurance company will only pay a portion. For example they may pay $4,000 for the procedure. This happens because insurance companies create complex contracts with the hospitals at a discounted rate. If the hospital does not agree to offer a substantial discount, the insurance company will not allow the hospital to be in their covered network of providers. This means that the hospital will generally not be able to treat any of the people covered by the insurance company. This could potentially be thousands of patients for that hospital.

Due to the insurance companies having the upper hand in contract negotiations with the hospitals, the hospital always negotiates and agrees to some form of a discount. Either way, the insurance company will always pay less than full cost for the procedure.

Depending on your insurance policy and coverage exemptions, you will most likely be required to pay for a portion of your medical care. This can include the deductible and any other special circumstances. Your policy may indicate that you are responsible for the first $1,000 of an inpatient stay (plus your deductible) and that the insurance company will pay the remainder. These amounts vary dependent upon your specific policy.

If your insurance company can, they will shift as much of the costs to you as possible in a serious injury accident. This can result in you suffering huge financial difficulties. This is even truer if your insurance company agrees to only pay a percentage of the cost of your treatment. For example, they may agree to pay 85% of cost. Now if you have a serious injury accident and the bill comes to $225,000 (which is not unheard of) then you would be responsible for $33,750 of the total bill.

If another person is at fault in your serious injury accident then you face battling that person’s insurance company. These companies will look for quick cheap settlements (or no settlement) and will try to take advantage of your lack of knowledge of what you are actually entitled to receive. Another example would be if both you and the person who is at fault have the same insurance company. This creates a whole new, and not uncommon, circumstance where your insurance company will try to save money on both sides of the issue.

If you suffer from a serious personal injury, you need a competent and experienced lawyer to watch out for your best interests. Regardless of whether or not someone else is at fault for your injury you need a lawyer to help you through the process. Everyday thousands of Americans are getting a raw deal from their insurance company and most never even realize it; they just simply accept it as the way things work. A lawyer will help sift through the complex insurance coverage policies and will help you to find the parts of the policy that provide you with the most comprehensive coverage.

When faced with a serious personal injury the last thing you should have to worry about is how you are going to pay your medical bills. Unfortunately, it is a reality that you need to take steps to make sure that you will not be stuck with an outrageous bill that your insurance company should cover. A lawyer is the only one who is truly on your side when you are faced with a serious personal injury, because he or she is working for you and no one else.

Pre-paid legal services for small business

If you are operating your own business, you cannot afford to go it alone
when it comes to legal matters. The ever increasing complexities of law,
spiralling costs of lawsuits and the proliferation of government red tape
can land you in a lot of trouble.

The flip of the coin is hardly attractive either! Hiring a lawyer can
constitute a substantial financial investment many cash-strapped small
businesses and entrepreneurs cannot sustain. Lawyers charge a minimum of
$200 per hour when it comes to business law and it can get very
costly if you are involved in lengthy legal procedures, complicated
contracts or business transactions.

There may just be a glitter of hope in pre-paid legal plans. For a set
monthly price, some legal providers are now bundling a whole suite of
legal services especially tailored to the needs of small-businesses.
Whether you need phone consultation on the legal complexities of a lease
contract, or require legal representation during tax audits, a pre-paid
plan can help you manage legal costs. An array of services is included as
standard coverage at no cost to you in the plan, and any legal matters
not covered can be provided with a discount on fees.

Before you take the leap, you need to keep some caveats in mind.

You need to know more about the quality of service you are likely to get.
While lower fees do not necessarily infer lower quality of work, it is
always necessary to bear in mind that legal specialization plays a crucial
part and lawyers are not interchangeable. Ask for references from previous
clients or ask entrepreneurs whove used the services of the provider about
the quality of work they have received from them. Use your state bar
association, service organizations in your locale and your local Better
Business Bureau to research law firms and the background of the attorneys
in the network before selecting them. Things to look for are the number of
years they have been operating, complaints from previous customers, the
education background of attorneys, professional track record and so forth.
With the increasing amount of small businesses involved in litigation and
fee disputes with their legal providers, I iss important to give some
thought to alternative courses of actions when dealing with disputes. Ask
your prospective provider about the way in which they settle disputes or
complaints. Do they have an in-house procedure to deal with complaints,
appoint a senior attorney to deal with such things or do you simply have to

settle out of court?

PASSION Ration cited in Divorce

The Passion Ration

The last straw to finalize divorce proceedings in a marriage is when adultery is committed. I would say the hurt is unbearable for the loving partner who has been betrayed. Innocent Parties like the children and family members automatically become involved to take their share of the heartache when a marriage collapses.

Many couples manage to salvage what is left of their relationship and carry on regardless fighting a lost cause. It is not easy to put your feelings and emotions on hold. Emotions are a powerful force that comes back with vengeance filling you with anger and in some cases hate.

All the respect and trust has gone leaving that once happy relationship a farce. They say you forgive and forget. Sorry having none of it, forgive yes forget no, mental scarring does not heal.

So much suffering is caused by a one night stand or affairs that normally do not last long after the guilty party has lost everything. Ask your self is it worth it.

I do not condone such behaviour where a man or woman strays outside the Marital Home to seek pleasure; only in some cases there are reasons why partners go down this road seeking comfort elsewhere.

May be the adulterer is not the guilty one. What of the spouse who decides to ration the passion in the bedroom leaving the partner no choice but to have his or her needs fulfilled outside the marriage.

You need to think twice before making a one sided decision about when you want to play or not play ball in the bedroom. Excuse the pun, but the ball is in your court to put back the missing link that is causing your marriage and partner to suffer.

They say true love never runs smooth, and if that being the case then for a little happiness give me the rough with the smooth any day.

If you have a problem regarding being bored in the bedroom, talk it over with your partner.

Rekindling a relationship is a made a lot easier if both parties participate in trying to understand why such actions were taken in the first place. Talking it through may help you both realize that the marriage is worth saving.

Counselling is out there for couples struggling to come to terms with the fact the marriage is over. Consider the children’s feelings throughout any divorce proceedings, they will need time to adapt to having there whole life turned around.

Abide by your marriage vows, if out of spite you decide to sleep alone in the master bedroom then accept the fact that the guilty part is the Betrayer not the Strayer.

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