By John Oleander

It is in human nature that we feel free every time we are in our cars and driving down a street. Hence, we are sometimes bound to some traffic infractions. And this can be the reason why traffic or speeding tickets are irresistible. Even the best driver in the whole wide world cannot get away with the traffic tickets. However, you should not weep because there are ways on how to beat a speeding ticket.

Whenever a particular police officer pulled you over, there is nothing wrong to ask if what your violation is. But be sure to be cooperative and polite in conversing with the traffic officer. In this way, the officer may just give you a warning or may just issue you a much lower cost of violation. Sometimes, you can also ask the officer to just mail to you the speeding ticket. Furthermore, you have to check for the traffic ticket receipt issued to you. In this way, you can have the chance to look for some inaccuracies which can help you during your trials. Therefore, asking the police officer is the simplest way on how to beat a speeding ticket.

Being pulled over by a traffic police officer is very stressing and disappointing. This is actually very irritating if you know for yourself that you are innocent of any traffic violation. Speedy trial in the courtroom is the next thing to happen after the police officer issued you the speeding ticket. You should be prepared enough when going to court. You have to prove yourself not guilty or innocent of any traffic violation that is being accused to you. There are times that you need the service of a particular lawyer just to defend your rights and win the case. However, you should not base the success of the trial on your lawyer. You also have to do your part. You have to have all the needed information and make sure that this information is factual. Always remember that honesty is the best policy. And if your conscience is clear then, there is no need to fake all your proofs and evidences. This is really the secret on how to beat a speeding ticket.

However, the easiest way on how to beat a speeding ticket is to avoid such traffic tickets. This is jus easy by knowing your rights and having enough knowledge about the traffic rules. You have to be a responsible driver while you are inside you car or vehicle. You should drive in the safest way possible as well as to drive in the minimum rate of speed. This is not only essential just to free you from any traffic tickets but also to avoid car accidents especially nowadays. It is because car accidents increase as time passes by because of reckless drivers.

Indeed, it is just easy to spare yourself from any speeding tickets. Furthermore, with the aforementioned ways on how to beat a speeding ticket you can easily get rid of paying some amount of money just because of a silly traffic violation.

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By Charles Kirkendall

Reverse mortgages are gaining in popularity as more senior’s start looking for ways to supplement their retirement incomes. And as the interest in reverse mortgages increase, so are the cases of reverse mortgage fraud and scams. Many seniors are finding that they have lost thousands dollars of their hard earned equity to these reverse mortgages scams. Since reverse mortgages typically involve our largest asset (your home), this type of fraud can have a serious negative impact on your retirement. The following reverse mortgage fraud information will help you avoid becoming a victim of a reverse mortgage scam.

Reverse Mortgage Scams

The are several types of reverse mortgage scams that can end up costing you thousands and even tens of thousands of dollars in equity in your home if you become a victim.

Charging for free information on reverse mortgages

Several estate planning companies have been charging thousands of dollars for information provided free from HUD. Typically these companies charge for this information as part of an estate planning program. Seniors that sign up for these programs are unaware that these firms are collecting thousands of dollars by charging a fee of 6 to 10 percent of the total amount borrowed. These fees costs the victims $6,000 to $10,000 on a $100,000 reverse mortgage. HUD has recently issued a directive to lenders that issued reverse mortgages insured by the Federal Housing Administration (FHA) to stop doing business with these companies.

Pushing reverse mortgages as a way to pay for purchases

Some companies that sell large ticket items or services, like annuities or insurance products, may try to suggest using a reverse mortgage as a way fund these purchases. When the additional cost of the reverse mortgage is factored into the purchase, it ends up costing the homeowner much more than the benefit provided by the product or service.

Unethical reverse mortgage terms

Some lenders slip in excessive fees and terms into their contracts. These terms can have a serious effect a Seniors equity. In some cases, lenders have used shared equity or shared appreciation terms, which gives the lender the right to collect a portion of the appreciation when the home is sold or refinanced. The cost of these type provisions can run into the tens of thousands as the home appreciates. These rising cost provisions eat up equity without providing any additional benefit to the homeowner.

Protecting yourself from reverse mortgage scams

If you are looking into reverse mortgages, there are several things that you can do to protect yourself from falling victim to these types of scams.

1. Speak with a HUD approved reverse mortgage counselor. The counselor will help you understand reverse mortgages and help you evaluate your situation.

2. Obtain several offers from different reverse mortgage lenders in order to compare different options. The rule of thumb is to get at least three

separate offers so that you have a good comparison of the terms offered.

3. Make sure you understand all the terms and conditions within the reverse mortgage contracts. Your reverse mortgage counselor can guide you through

the contracts.

4. You generally have three business days after signing the loan document to cancel it for any reason.

If you suspect that a company is operating in violation of the law, let your reverse mortgage counselor know and then file a complaint with your State Attorney General’s office or banking regulatory agency and the Federal Trade Commission (FTC) at www.ftc.gov.

About the Author: Resource Box: Charles Kirkendall writes on a variety of senior financial issues. For more information visit

reverse mortgages

or the

reverse mortgage blog

.

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By Carla C. Ballatan

People usually look up to doctors and nurses because of the reputation they cultivated of alleviating the pain and suffering of their patients. Doctors and nurses are guided by medical procedures developed by international experts and specialists. They are own competence develop through experience as they mature in their profession.

Alas, these medical practitioners are but human, imperfect and erring. Given the tremendous trust people give them, however, once something goes wrong in their execution of medical procedures and their patient suffers from it, it opens a controversial issue of medical malpractice.

Many people fall to the wrong impression that to sue a certain doctor with medical malpractice charges is quite easy. In fact, medical malpractice cases are extremely tough to win.

Not all medical injuries can be considered as medical malpractice, thus medical malpractice claims is not applicable for such cases. Moreover, it also does not provide basis for a medical malpractice lawsuit claim. In proving malpractice or establishing the liability of a health care provider, expert medical malpractice testimony is needed. This testimony’s basic content is that the health care provider a person is suing has committed a grievous wrong no reasonable health care provider would do, and resulted to injury and death. Once liability is established, the victim or his/her family claims for medical malpractice damages.

Another thing that makes this kind of claim a tough case is that there is a statute of limitations or statutory period in filing the lawsuit by a malpractice lawyer. Each state has its own established medical malpractice law for such cases.

The three main issues in determining if a case of medical malpractice is worth pursuing are liability, damages and responsible person to pay such damages. In determining if a health care provider is liable or legally responsible for the injuries sustained by the patient, negligence must be established.

To determine this, the accepted standard of care on a certain area must be known and whether or not the standard was followed. If it turned out that the standard of care was not followed, the next step is to determine if the cause of injury is because of such non-compliance to standards.

Meanwhile, in determining negligence, a health care provider may misdiagnose an illness or injury, fail to treat it properly, give the wrong medication and fail to give thorough explanation to a patient about the risk of a certain procedure or other alternative treatments to avail of. Furthermore, there must be concrete evidence that a doctor’s negligence was indeed the cause of injury or worsening of condition.

Once liability is established, the patient victim is entitled to claim for damages. This may be in the form of compensation for the medical bills already incurred and still to be paid, the loss of present and / or future income and the physical and psychological pain and suffering felt by the victim.

In a medical malpractice claim, the damages vary on each individual case. It usually depends on how the injury or death caused by malpractice affected the persons earning potential and quality of life.

There is also a statute of limitations or a deadline in filing a claim, which is typically two years. It is important to note this down since once a claim did not meet the statute of limitations, the claimant loses his or her right to damages, even if liability can be proven.

Before launching medical malpractice claims, make sure that there is a fighting chance in winning the case. These kinds of claims are usually settled less often compared to other cases. One also invest more time and expense.

About the Author: Our Los Angeles Attorneys are very competent in handling medical malpractice claims log on to mesrianilaw.com/Medical-Malpractice-Claim.html and other types of personal injury cases.

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