In Case of a Car Crash – Be Prepared

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Nobody plans to get in a car accident, but it happens. Across the United States there are on average about 16,500 wrecks a day, many of them minor, some of them serious. Even the most careful and defensive drivers will probably find themselves on the receiving end of a mangled bumper at least once in their lives. Just like practicing fire drills, knowing what to do in advance will help you remain calm.

Check for Injuries

The first order of business is to make sure that everyone in the car is okay. Take a quick minute to assess yourself and your passengers. Look over your body. Sometimes you can be unaware of an injury in the immediate aftermath of a crash. The most important thing is to make sure everyone is safe. If there are injuries, call 911 immediately. You may also need to get in touch with an auto accident lawyer Detroit, but that will come later.

Move the Cars off the Road

After you have checked on the people in the other car, and assuming that everyone is unhurt and the cars are moveable, get them off the road so that your cars don’t cause another accident. If you can’t move your cars, turn on your hazard lights or set up warning cones if you have some in your emergency kit.

Call the Police

Many states require that you call the police to report an accident. Many insurance companies will require a police report for their records, so unless it was the most minor fender bender with little to no damage, call 911. The police or sheriff will help you secure a tow truck if needed and write an accident report.

Exchange Information

While you’re waiting for help to arrive, you can use this time to exchange insurance and contact information with the other driver. This is a good time to call family or friends to come pick you up if your car must be towed. Refrain from getting angry or assigning blame at this point. You will have a chance to tell your story to the police after they arrive.

At best, car wrecks are inconvenient. At worst, they are life threatening. Having a plan of action in mind before a crash occurs will help you deal with it as calmly as possible if that day ever comes.

Tips for Choosing an Estate Planning Attorney

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If you are looking for a way to manage and direct the distribution of your assets after your death or an incapacitating illness or injury, consider investigating estate planning. However, most estate planning requires the help of an estate planning attorney Sun City AZ, but you need the right attorney to ensure that your assets are protected and distributed properly.

Ask for Referrals

It is highly likely that someone you know has worked with an estate planning attorney. Therefore, discuss your options with your friends, family and peers. You may also consider asking your accountant, financial advisor or a legal professional you have worked with. Finally, a local probate court official may be able to give you suggestions.

After you make a list of referred attorneys, contact your state bar association to ensure the lawyers are in good standing. You may also check online and Better Business Bureau reviews for outstanding complaints.

Further Research

Before conducting further research on your list of attorneys, you should research estate planning and the tasks the attorney will complete.

Then, research the attorneys. For example, you want an attorney whose primary focus is estate planning. You want someone who specializes in this field so they understand current laws and ways to avoid any problems with your estate’s distribution. Consider searching for article or book publications from local attorneys.

Contact the Attorneys

Your first contact is very important. Observe how you are treated and whether the office seems too busy to handle another case or the person answering the phone has plenty of time to answer your questions. You should be offered an initial consultation free of charge.

Ask about the lawyers’ malpractice insurance, licensing and what law school they attended. Learn about any professional organization memberships. Also, did your prospects ask you questions? Ask for references, and be sure to check them.

To gain peace of mind in your estate planning process, choose a high-quality, credentialed estate planning attorney.

3 Tips for Starting a Candle Making Company

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Making candles is an ancient practice that has both practical and aesthetic applications. They can be used to provide light, distribute pleasant aromas or for use in religious ceremonies. Starting a candle making company can be a wonderful way to provide a useful, enjoyable product to consumers while also earning a living.

1. Develop a Strong Product Line

While it is possible to start a company with only one or two types of candles, it is better to have a variety for people to choose from. Offering a variety can entice customers to keep coming back to try out more, especially if some of the scents are only available seasonally.

2. Create a Unique Brand

The target market can influence how the brand develops. The marketing strategy, type of jars gotten from bottle and labeling services and even the company name and slogan will be shaped by the target audience. A company that caters to young women around the world would likely use different colors and employ a flashier name and slogan than one that is trying to sell to local religious groups.

3. Obtain Capital

It is impossible to start a candle making business without any sort of funding. Supplies must be purchased, marketing materials created and business licenses paid for. The cost of transporting products to customers should also be taken into account, along with any business software necessary to track inventory or budget needs. Bootstrapping is a popular technique for new entrepreneurs. It involves funding the business through personal savings, or from money borrowed from family members or friends. Finding free or used equipment and supplies can also save money while the company is being established.

Starting any business involves some risk, but by taking the time to create a solid product, exploring the needs and interests of the target market and finding enough funding, it can be a success.

4 Important Things To Do Before Carrying a Concealed Firearm

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Concealed Firearm

During times of chaos and uncertainty, many regular people begin to wonder whether it would be wise to carry a concealed weapon for protection. The choice is very personal, but the considerations beforehand are nearly universal.

Research State Laws

While the Second Amendment of the U.S. Constitution protects the right to own a gun, some states restrict where and how to carry it. Research the laws in your state and secure any appropriate licenses beforehand. If you happen to cross the border to a neighboring state often for work or recreation, make sure you know their laws as well to avoid running into legal trouble.

Know Before You Go

Besides knowing state laws, you’ll need to be aware of the particular rules some businesses and government buildings have for concealed firearms. While you may already be aware that places like schools often prohibit weapons, you may not know that some big box stores won’t allow you in with your weapon either.

Get Proper Training

It’s always a good idea to take firearms classes Rockford IL even if you have experience with weapons. Conceal carry comes with its own responsibilities and caveats, and a good instructor will be able to walk you through them. Also, while hope to never need to draw your weapon, the right training will have you prepared if you ever need do it.

Purchase the Right Equipment

Once you’ve done your homework and received the proper training, it’s time to pick the right equipment for the job. You want to look for a firearm that is easy to conceal, reliable, and durable through conditions like sweaty pockets. You’ll also need a way to truly conceal the weapon to avoid drawing attention to it. Men often choose holsters that hide shape of the weapon and can easily slip into pockets or under clothing, while women have the option of specially-designed purses that have separate, discreet pockets for concealed carry.

Individuals who conceal carry weapons want to be ready for anything. The best way to do that is to prepare beforehand.

How To Protect Your Workers Comp Claim

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Getting injured on the job can be devastating, as not only are you faced with recovering from harm but you may also be out of work until you have fully recovered. This can be a terrible financial struggle for your family. Fortunately, many employers offer workers comp benefits that take care of the medical costs with your injury. With disability insurance, you may also be compensated for lost wages. However, there are circumstances where you may face a battle trying to get the benefits you are owed. In this case, you need to protect your workers’ comp claim from the moment of your injury.

Protect Your Workers

Report the Injury Immediately

To reduce your chances of dealing with a denied workers compensation claim Oregon, report your injury as soon as possible. In many states, you have a 30-day window for reporting, but by filling out the paperwork sooner, you can remember more details about the event. Any delays in filing a claim may lead to assumptions that you are exaggerating your injury or lying about what happened.

Get Medical Help

No matter how minor the injury, be sure to seek medical care right away. Don’t delay and hope the pain goes away. You will need your injury and what you experience as a result documented by medical professionals in support of your claim. If the physician will not support your needs, it could jeopardize the credibility of your claim. You may need to seek a second opinion.

Hire an Attorney

If you have done all you can and your claim is still denied, it may be time to call in the professionals. An attorney knows the legal rights you have as an employee, and since workers comp is complicated, the expertise can help you navigate through your options.

Keeping detailed documentation and making sure you understand your rights are important in ensuring that you are treated fairly after an injury at work. Don’t be afraid to fight for what you deserve.

How Credit Checks Protect Employers

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When applying for a job, many candidates focus on polishing up their resume, finding the perfect suit and practicing typical interview questions. What they don’t realize is that their credit history may play a crucial role in whether they get hired or not. Many businesses include this as part of their hiring background check because it provides insight into employee responsibility.

How Credit Checks Protect Employers

What Roles Require a Credit Check?

Positions that deal with finances are the most likely to require this type of verification. Credit check services for employers are recommended for roles at banks, accounting firms, financial advising institutions and retail stores. They are suggested for all levels in a company, from the top chief financial officer role to an entry-level salesclerk.

What Do Credit Checks Show Employers?

Credit history checks help employers evaluate not only the financial health and responsibility of a candidate but also the person’s work history. An employer will look for a consistent record of employment and will question any breaks they see. They will also look at balances and on-time payment history. This type of information helps a business decide whether a candidate is susceptible to financial crimes such as bribery or embezzlement.

What Are the Limits to a Credit Check?

Although federal laws allow for this type of background check, some states place limits or restrict the practice altogether. California, Maryland, Illinois, New York and Washington have enacted restrictions. The Fair Credit Reporting Act requires that employees give written consent for a business to run a credit check. A company must provide a copy of the credit report when rejecting a candidate, allowing the person to check for errors and disputing inconsistencies.

Employers benefit when they dig into the credit history of potential employees. These background checks provide a snapshot of a candidate’s business acumen and level of responsibility. This type of information allows a company to make the best hiring decision and create the most beneficial workforce.

3 Ways To Setup Your Franchise Investment for Success

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Being the owner of your own franchise business can be an extremely rewarding and lucrative venture. Whether you are the intellectual property owner of the brand or the owner of an individual franchise location, a reputable and growing franchise can bring financial rewards and stability for years to come. It is important to take some initial steps to ensure your investment is wise and protected. 

Franchise Investment

Secure the Contract

Your franchise contract is the foundation of protection for your business. Whether you are the franchisor or franchisee, you want to ensure that the contract protects both of you should any future conflict or issues arise. A trusted franchise contract lawyer can help you navigate those waters and ensure that your business relationship is set up for many years of success. 

Know Your Customer Base

Although no one can predict the future, there are things you can consider before deciding where your franchise should be located. There are service providers who can help you collect data to determine the various demographics of your proposed location. You should also work with your city planners to see if you can capitalize on any future proposed plans that could possibly affect the demographics of the area. 

Weigh the Competition

Competing with an existing brand with a strong following can be a challenge but not necessarily an impossibility. Brands and products that are new, fresh and exciting pop up all the time. With the right marketing plan, your brand could very well be the next industry leader. It is important to respect existing brand competitors and do not take them for granted, but you also do not need to let them scare you away from your dream. 

Being a franchise owner comes with great responsibility as well as significant rewards. With some prior research, assistance from experts, and lessons learned from those who have blazed the trail before you, your franchise can be a blessing for both your family and your community.