If you have been in a car accident, most likely, you are still a bit flustered (especially if the accident was damaging to YOU and not just the vehicle).

It is essential to understand that you do not need to hire a lawyer if you have been in a car accident that was not your fault. However, there are some things that you may want to consider by hiring a lawyer.

There are many advantageous perks for hiring a lawyer after you have been in a car accident that was not of your own fault.

In this article, we will explain why you may want to consider hiring a lawyer to help you with this procedure.

If you would like to learn more about legal issues or need some advice on the legal complication bout you may be in, feel free to check out Douglas Healy.

Visit his page to learn more.

With this said, let us dive into this article, shall we?

Should I Get a Lawyer For a Car Accident That Wasn’t My Fault?

After getting in a car accident, it is not uncommon for you to have to get a car repair, see a doctor (assuming you have been hurt by accident), and/or be forced to miss work due to the accident.

Having a car accident lawyer will help you with your compensation, your recovery, your health, and your family.

Why You Should Consider Hiring A Lawyer

Depending on which state you live in, it is unwise to speak with an insurance company about the accident without speaking with a lawyer.

The insurer’s job (and remember it is all business, there is no nefarious reason [most likely] that they do these things) is to reduce the amount or even eliminate the amount they will have to pay.

Understand that the insurers may very well twist your words and phrasings, to justify offering you a lower settlement.

Having a car accident lawyer on your side will better help you to get the most that you can, a well, as not have your words and statement taken out of context.

The Lawyer Will Be Able To Help You Know What You Can Get

Another reason, and perhaps one of the most beneficial reasons as to why you will want to hire a lawyer, is that they will be able to help you know how much you are really entitled to.

What do we mean by this?

Allow us to elucidate.

You may be entitled to (after the car accident) to:

Future Medical Cost: these are the medical bills that you will have to pay in the coming future if the accident has left you with a long-lasting injury that will require healthcare.

Lost Wages: If you have a job and you weren’t;t able to go there as a result of getting hurt by the car accident, the layer will be able to help you recoup the wages you may have earned.

Reduced Earning: If the injury you sustained as a result of the car accident has made it so that you cannot work as long as you previously could have, this will also be something a lawyer will be all to help you out with.

Pain and Suffering: You may be entitled to more cash if the pain you have caused has also lead to our issues, such as psychosocial traumas. The pain and suffering you have gained as a result of the accident can also play a role.

Punitive Damages: If they (the lawyer) can show that the damage was done so with a recklessness and with an intent to damage and hurt the person, you will be entitled to more money as well.

Hiring A Lawyer Leads To Two Option: File a Lawsuit or Settle Out-Of-Court

The driver at fault SHOULD be responsible; however, insurance companies only pay up to a specific limit (the driver’s policy limit). With this said, you may have to pursue the driver through other means, and this is where having a lawyer comes into handy.

They will be able to take it to the next level if you so but desire.

If you would like to learn more about this issue, few free to check out Douglas Healy page to learn more about this issue

When the American public was informed in February that 7 million fellow citizens were three months in arrears in their auto loan payments, maybe the mainstream media sources were surprised, but many of the rest of us were not. This was maybe the first red flag warning that now is a drum beat about the true state of our economy. Many in the American public are suffering financially under a heavy load of debt. Anyone who cannot make their critical car payment in this country is in severe financial turmoil and danger.

At Keel Associates, a debt solutions firm, we are aware that most all of us in the country need our vehicles in order to get to work and succeed in life. We are here to provide solutions that help consumers who are in deep financial danger due to auto loan debt.

What is the Problem? –

As we are keenly aware in this country, predatory credit card lenders have raised interest rates to double-digit levels, even for many borrowers with great credit. In the auto loan industry, new predatory loan methods are ensnaring borrowers with poor credit. An expose in CityLab reported that Americans owe $1.26 trillion in auto loan debt. That is 75 percent more than American consumers owed on auto loans in 2009. CityLab found 26 percent of all auto loans went to people with poor credit scores and low income.

NerdWallet found that, although borrowers with good credit can get auto loans for around 4 to 6 percent, subprime borrowers are often charged rates as high as 15 percent and above. Obviously, this increases both the total cost of the vehicle and the monthly payments. Couple that with the fact Motley Fool reported that the new cars are equipped with tracking technology that makes it easier for the cars to be repossessed, and you can see the horrible situation many people who have auto loans face.

What to Do? –

If you are trapped in high-interest auto loan payments, there are some important steps to take in order to secure your automobile and your mobility:

Evaluate your budget: Act pro-actively today. You need to list all of your monthly expenses and compare it to your take-home income.

Cut where you can: Unless you live in a city with a great transportation system, you likely can’t afford to lose your wheels. Are there video subscription services, cable television service, meals at restaurants, Starbucks or other things that really are not a priority? Cut those extra expenses right away, before you have to miss a payment, and your credit score slips.

Add what you can: Can you take on a small gig that will help you make that all-important payment? There are a lot more opportunities available in the gig economy today but realize realistically that many are low paying.

Sell what you can: Are there expensive “toys” you bought in the past that you no longer use? Now is the time to sell as many as possible on Craigslist or eBay until you can shore up your finances.

Get a debt consolidation loan: A debt consolidation loan is a personal loan, often at a lower interest rate. You can often consolidate your high-interest auto loan, credit card debt and other debts into a lower interest loan. This allows you to make one payment for all of your debt that is lower each month. Also, by placing your credit cards on the loan as well, you can wipe all of the debt out over time for good. At the high interest rates of most credit cards today, they are very difficult to ever pay off.

At Keel Associates, we specialize in helping consumers struggling with high-interest debt and heavy debt loads. Contact us. We are here to help

Wood-Harris
Wood-Harris

Hollywood is widely known for film production not only in Los Angeles or the United States at large but also across the world. This neighborhood is in the foothills of the popular Santa Monica Mountains and a few miles from northwest of downtown LA. It is at these foothills many people visit Hollywood to see the signature Hollywood sign from the hillside. There are other numerous must-see locations that you should look for any time you are in Hollywood as detailed below.

Walk Of Fame

The walk of fame is a unique sidewalk alongside Boulevard and Vine Street, and it carries famous faces and names that are represented by stars. These faces and names belong to great musicians, actors, personalities, and directors among other prominent people in music, radio, TV, motion picture, and live performance genres. It is a practice that began as early as 1960, and there was a big controversy about who should be included and who shouldn’t. Today, nominations get announced every year in June the few who get nominated gets added to the list too. Over 2000 stars have already been added on the sidewalk.

Universal Studios Hollywood

Hollywood has a universal site that holds different business divisions such as a working studio, a theme park, city walk and an area for shops and restaurants. In this place, you will enjoy the best and most classic theme park rides in the country. Visitors are usually given a chance to experience how films are made in Hollywood on a trip taken behind the cameras. You will also be able to go shopping, take your favorite bite, wander over the city walk and have a lot of fun, or even catch a movie.

The Hollywood Sign

The Hollywood sign is something that you should not fail to see when at Hollywood even if it’s a far glimpse. This sign was founded in the year 1923. At first, it was ‘Hollywoodland,’ and even though it was supposed to stay for not more than two years, the new Hollywood sign has been intact long enough and with no plan of being removed. Wood Harris warns that you cannot be allowed to get too close to the sign as a visitor. However, the good thing is that you can get a nice glimpse of it from Beachwood Drive or the hill near Lake Hollywood Park. You can also go for horse-riding at Sunset Ranch which is an awesome experience, and when you reach Mt. Lee Drive, you will be standing above Hollywood sign giving you a closer sight of it.

Chinese Theater

This theater was established in the year 1927 by Sid Grauman, and it has held different names and titles after every change of hand. Currently, it is known as the TLC Chinese Theater, and it is used to displays Chinese decorations, designs, handprints, and footprints. You can learn a lot about Chinese culture by visiting this theater. Make it one of your stopovers if you come visiting Hollywood.

Sunset Trip

Sunset strip is part of Sunset Boulevard, and it borders the Beverly Hills. The place is characterized by diverse retail shops, restaurants and recreation places. These amenities are easy to identify from the huge billboards and neon signs at night. Wood Harris says that this is one of the best places to hang out whenever you visit Hollywood, and you might get a chance to mingle with Hollywood celebrities because some of them live in the area. You will also get a chance to do some shopping, look around the area and enjoy your favorite meal.

Hollywood is one place that you can never miss something adventurous to see or do. It is always good to visit a new place once in a while, and this list provides you with some locations that will make your visit at Hollywood memorable.

bad credit loans

bad credit loans

When an individual does not have the qualifications to secure a car loan they can use a cosigner. This person agrees to pay the debt if the borrower defaults on the loan. The cosigner must have a long credit history and a decent credit score. This often enables the borrower to secure the loan at a much better rate. There are some excellent reasons for a cosigner to agree to sign the auto loan.

Helping the Applicant

Most people require a loan to be able to purchase a new car. When they are unable to secure a loan this can easily prevent them from purchasing a new car. When a borrower is rejected for a loan or any type of credit it is usually because they have a low credit score or a poor credit history. Different lenders, bad credit loans and creditors are often willing to reconsider issuing the loan if it is also signed by a cosigner. When the cosigner agrees they are providing the opportunity to help the borrower obtain transportation to travel to and from work, attend school or simply have reliable transportation.

Building Credit

In order to build a credit history or improve a credit score, the individuals must first obtain credit, even if this is via hard money loans. This can be extremely challenging because the borrower does not have the qualifications to obtain credit. When a cosigner signs a loan they are helping the borrower establish or build their credit history and credit score. This will make it easier for the borrower to obtain another loan in the future without assistance.

The Debt to Income Ratio

Prior to cosigning a loan, the individual must understand the implications. When a person becomes a cosigner they increase their debt to income ratio. This is determined by dividing the individuals total debt by the income they earn each month. If the cosigner earns $10,000 per month and their monthly debt totals $7,500 their debt to income ratio would e 75 percent. A cosigner must sign all loan documents and attend the closing of the loan. In addition to the debt being added to the cosigners debt to income ratio, the loan will be a part of their credit report. If the borrower defaults on the loan it is the cosigners responsibility to make the payments. The maximum amount recommended for a debt to income ratio is 36 percent. If this figure is higher it often lowers the individual’s credit score. The FICO score of any individual is thirty percent of the amount of debt they owe. This is influenced by all debt from traditional lenders to hard money loans.

The Permanence of a Cosigner

Once an individual cosigns a loan they are responsible for the loan until the last payment has been made. The cosigners name cannot be removed from the loan. There are only two exceptions. The first is a cosigner release clause. This clause states if the borrower makes the car payments on time for a specified period the name of the cosigner can be removed from the loan. This type of clause is used mainly for student loans but can be requested for any loan from any lender. The second is if the borrower successfully refinances the loan by themselves.

The Credit

Many people cosign loans for friends, family or a loved one. They must be aware of the reason the individual is unable to secure a loan or they haven’t thought about bad credit loans. This may be a child who is just starting out and has not built a credit history yet. This could also be a person who has a poor history due to paying their bills late or has already defaulted on a loan. If the reason is the latter the cosigner must understand they are taking a risk. Their credit score may be damaged and they may have to make the payments.

When to Cosign a Loan

Cosigning a loan is a personal decision. There is always a risk but often the reasons to sign are more important than the risk. Many parents will cosign a car loan for a child attending college or just leaving home. Sometimes the borrower has made mistakes in the past and is looking for help in starting over. The potential cosigner must consider all the risks prior to signing the loan. They must understand they may be damaging their credit if the borrower misses a few payments. The most important questions a potential cosigner must ask of themselves is if they believe the borrower will make all the payments on time, if they are willing to take the risk if the borrower misses payments and if they are willing to risk their credit score and history for this individual.

Darren Pawski Biography

Darren Pawski BiographyDarren Pawski was born in Australia and he now resides in Western Australia in Perth. He is an advocate of the downtrodden and has utilized his expertise in finance as a medium to combating many of these issues. He is the Managing Director and Financial Guru of the Synergy Financial Solutions, and with this position he has been very vocal and un- apologetic about his approach to financial matters. He has also translated this approach into the health care sector of the United State where he is very vocal about the huge lack in the Obamacare program. Because of his expertise in financial matters, he is able to see far beyond what any mortal is able, and has a direct approach to solving the issues.

For 30 years Mr. Pawski has been in the business of finance and so he comes with that much wealth of knowledge, which he is able to harness and use in a professional and direct way. Charged with working closely with the Commonwealth Bank as well as many high-profile business entities in Western Australia, he is able to steer these businesses into seeing the bigger picture of the potential and capabilities they have available at their fingertips. Seeking to educate his many clients is never a shortcoming of his; as he is always willing to share his wealth of experience for the greater good. Darren Pawski believes businesses even though they may be different in inception, as professional s they share a common thread in their need to benefit all. It is important to note; his need to see equality among the masses he is a vigorous fighter.

A lover of the elderly, Darren is involved in many charities and is able to utilize his vast knowledge on their behalf to make better the health sector. Wanting to make life that much better for them, he volunteers at nursing homes whenever he can as a way of giving back some of the benefits life has afforded him.

Dr raouf farag automotive safetyWhen it comes to automobiles and child safety, it has been pointed out with relative frequency that many of the requirements mandated by law represent nothing more than a minimal standard. That may not be all that comforting to parents who may mistakenly believe that existing legislated requirements are emblematic of best practices in terms of child safety rather than a bare minimum, and it’s certainly not uncommon for parents to believe that the government would have a rather large incentive to mandate a fairly lofty standard when it comes to the safety of children.

Dr. Raouf Farag, an obstetrician practicing out of Gosford, New South Wales, has previously expressed concern regarding this fact, especially when it comes to the level of surprise he has seen in patients who find out about best practices regarding child safety measures for automobiles and the fairly sizable disconnect between those practices and the requirements set forth by law. Whether these measures relate to age and size guidelines for rearward-facing car seats or other in-car safety features, Dr. Farag has found that there is a troubling degree of confusion among even the most well-intentioned parents he has spoken to over the years.

This is part of the reason why it is important for enhanced automobile safety legislation to be thoughtfully considered. Not only is enhancing current standards a means of addressing a critical public health and safety issue, but it is also a way to clearly inform parents regarding the best practices available to them to ensure the safety of their children. When it comes to a safety issue such as this, there really is no room for confusion.

Dr. Farag shared that while he has made every effort to inform his patients regarding the best way to protect their young children, he also noted that there are still so many others who wish to always do the most they possibly can to protect their children yet simply remain unaware that the standard represents an absolute minimum. Raising those standards toreflect best practices is just one of the many ways children can enjoy a greater degree of safety while traveling in a car.

It is indeed difficult to imagine wanting to leave San Diego given how wonderful the city is and the wealth of recreational opportunities that seem to exist just about everywhere you look. While this may be true, even the most contented of residents will sometimes want to get out of town for a few days of relaxation or excitement in a different setting. Given San Diego’s proximity to so many interesting locales, the city is an excellent starting point for a quick and refreshing weekend trip. The ideas that follow only represent a small sampling of the available options, but they also reflect the diversity of choices available to those looking to depart San Diego for a relatively short vacation away from home.

MLB Spring Training in Arizona

The border of Arizona is within relatively short driving distance of San Diego, so baseball fans can take a nice weekend road trip to check out some of Southern California’s most popular teams as they prepare for the regular season. The Padres make their spring home in Peoria, Arizona, in a facility they share with the Seattle Mariners. For fans of the Dodgers who happen to live in San Diego, the club trains in Surprise, Arizona at Camelback Ranch, which is also a shared facility that features the Chicago White Sox as well.

Given that many households are split in their loyalties to the Dodgers and Padres, fans of San Diego’s home team can explore lift kits Surprise AZ while the rest of their family heads to a game to root for the Dodgers. The opposite is also true, as fans of the Dodgers can look into all that Peoria has to offer while their friends and family go to the park to root for the Padres. Of course, members of the household can always split up or agree to reach some sort of compromise, but given the limits of a weekend trip this may not always be feasible.

Surfing in Baja, Mexico

San Diego’s surf breaks are undeniably impressive and it is somewhat surprising that surfers would have any desire to go anyplace else for a nice wave. While that is true, San Diego’s beaches can get quite crowded and the relative tameness of the breaks means that there are many beginners out in the water on a frequent basis. This can be something of an irritant to veteran surfers, so it is fairly common for more advanced surfers to head south of the border in search of more challenging breaks.

Fortunately, Baja is home to one break in particular that features some of the biggest swells around when the conditions are just right. For surfers with the skill set necessary to thrive in these conditions, the 20-foot waves are an ideal challenge that ensures the lineup will not be in the least bit crowded and that there will be plenty of opportunities for adrenaline-pumping excitement. Since Baja is just a short drive south from San Diego, surfers looking for a change of pace can get all the excitement they need in a single weekend.

Las Vegas or Los Angeles

Depending on the traffic heading north, a trip to Los Angeles offers more than enough change in scenery from San Diego for a weekend getaway. Strolling the boardwalk at Venice Beach or exploring the promenade in Santa Monica can be an enjoyable way to spend an afternoon or evening, but there are a number of drawbacks that may cause any San Diego resident to recoil at the thought of heading north.

For those looking for the opportunity to strike it rich at the gaming tables, a trip to Las Vegas is also within driving distance, but relaxation is certainly not the name of the game in this particular location. Since a weekend in Las Vegas is more than enough time to get the full experience but also not enough time to lose your life savings, a brief drive from San Diego for just a few days may be the ideal way to check out this popular destination.

I currently live in El Centro California and am about two hour from San Diego.  I escape the heat during summer in San Diego.  The weather there can get warm but nothing like the excessive heat we see in El Centro.  It is so cool to go from desert to beach in a couple hours. imagesXT094SY0 untitled (145) There are casinos along the way so we get side tracked some times.  I enjoy the San Diego area but don’t like the traffic.  Looks like I am not the only one to discover this get away.  Dana Sibilsky is a fan of San Diego and goes there whenever possible.

untitled (120) untitled (119) imagesSNANBPVVThe weather is good year round in San Diego.  This is something that is hard to find in these United States.  The wonderful weather has made the property values sky rocket over the last decade.  If you want to live in San Diego you better have some money to spend.  A simple home will set you back a half a million.  If that isn’t enough the taxes are ridiculous.  Just settle to rent and that will put you in to poor house.  I just wanted to park there with my RV and they wanted a fortune a month just to park.  http://www.marketwired.com/press-release/luigi-wewege-ceo-vivier-co-announces-new-offerings-mexico-colombia-other-south-american-2011521.htm is a look at the weather over the last few years.

untitled (60) untitled (59)If you enjoy a good museum the Museum Park in San Diego is a great place to spend a day or two.  I know that most people associate San Diego with beaches and Sea World but the museums are really the best part.  I like the beautiful old buildings the house the artifacts.  A stroll through the museums is a trip back in time.  If you love history and old things in general the museums will not disappoint you.  I have spent many hours enjoying the many exhibits at the museums.  I will be seeing the museums more often as I live near them now.  The reviews of occidental vacation club  say the this is a must see.