Article Dashboard Privacy Policy strives to offer its visitors the many advantages of Internet technology and to provide an interactive and personalized experience. We may use Personally Identifiable Information (your name, e-mail address, street address, telephone number) subject to the terms of this privacy policy. We will never sell, barter, or rent your email address to any unauthorized third party. Period.

How we gather information from users

How we collect and store information depends on the page you are visiting, the activities in which you elect to participate and the services provided. For example, you may be asked to provide information when you register for access to certain portions of our site or request certain features, such as newsletters or when you make a purchase. You may provide information when you participate in sweepstakes and contests, message boards and chat rooms, and other interactive areas of our site. Like most Web sites, also collects information automatically and through the use of electronic tools that may be transparent to our visitors. For example, we may log the name of your Internet Service Provider or use cookie technology to recognize you and hold information from your visit. Among other things, the cookie may store your user name and password, sparing you from having to re-enter that information each time you visit, or may control the number of times you encounter a particular advertisement while visiting our site. As we adopt additional technology, we may also gather information through other means. In certain cases, you can choose not to provide us with information, for example by setting your browser to refuse to accept cookies, but if you do you may be unable to access certain portions of the site or may be asked to re-enter your user name and password, and we may not be able to customize the site’s features according to your preferences.

What we do with the information we collect

Like other Web publishers, we collect information to enhance your visit and deliver more individualized content and advertising. We respect your privacy and do not share your information with anyone.

Aggregated Information (information that does not personally identify you) may be used in many ways. For example, we may combine information about your usage patterns with similar information obtained from other users to help enhance our site and services (e.g., to learn which pages are visited most or what features are most attractive). Aggregated Information may occasionally be shared with our advertisers and business partners. Again, this information does not include any Personally Identifiable Information about you or allow anyone to identify you individually.

We may use Personally Identifiable Information collected on to communicate with you about your registration and customization preferences; our Terms of Service and privacy policy; services and products offered by and other topics we think you might find of interest.

Personally Identifiable Information collected by may also be used for other purposes, including but not limited to site administration, troubleshooting, processing of e-commerce transactions, administration of sweepstakes and contests, and other communications with you. Certain third parties who provide technical support for the operation of our site (our Web hosting service for example) may access such information. We will use your information only as permitted by law. In addition, from time to time as we continue to develop our business, we may sell, buy, merge or partner with other companies or businesses. In such transactions, user information may be among the transferred assets. We may also disclose your information in response to a court order, at other times when we believe we are reasonably required to do so by law, in connection with the collection of amounts you may owe to us, and/or to law enforcement authorities whenever we deem it appropriate or necessary. Please note we may not provide you with notice prior to disclosure in such cases.

Affiliated sites, linked sites and advertisements expects its partners, advertisers and affiliates to respect the privacy of our users. Be aware, however, that third parties, including our partners, advertisers, affiliates and other content providers accessible through our site, may have their own privacy and data collection policies and practices. For example, during your visit to our site you may link to, or view as part of a frame on a page, certain content that is actually created or hosted by a third party. Also, through you may be introduced to, or be able to access, information, Web sites, features, contests or sweepstakes offered by other parties. is not responsible for the actions or policies of such third parties. You should check the applicable privacy policies of those third parties when providing information on a feature or page operated by a third party.

While on our site, our advertisers, promotional partners or other third parties may use cookies or other technology to attempt to identify some of your preferences or retrieve information about you. For example, some of our advertising is served by third parties and may include cookies that enable the advertiser to determine whether you have seen a particular advertisement before. Other features available on our site may offer services operated by third parties and may use cookies or other technology to gather information. does not control the use of this technology by third parties or the resulting information, and is not responsible for any actions or policies of such third parties.

You should also be aware that if you voluntarily disclose Personally Identifiable Information on message boards or in chat areas, that information can be viewed publicly and can be collected and used by third parties without our knowledge and may result in unsolicited messages from other individuals or third parties. Such activities are beyond the control of and this policy.

Children does not knowingly collect or solicit Personally Identifiable Information from or about children under 13 except as permitted by law. If we discover we have received any information from a child under 13 in violation of this policy, we will delete that information immediately. If you believe has any information from or about anyone under 13, please contact us at the address listed below.

Contacting Us

We can be reached by emailing us.

Changes to this Policy reserves the right to change this policy at any time. Please check this page periodically for changes. Your continued use of our site following the posting of changes to these terms will mean you accept those changes. Information collected prior to the time any change is posted will be used according to the rules and laws that applied at the time the information was collected.

Governing law

This policy and the use of this Site are governed by Texas law. If a dispute arises under this Policy we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Austin. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Austin, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.

Truck Accidents And Legal Representation

Trucking Accidents
Anyone who has ever been involved in an accident with a semi-trailer, tractor trailer, big rig and 18-wheeler and survived experiences the worst kind of mental anguish and often, seriously debilitating, life-threatening injury. These kings of the roads challenge the best judgments and often cause accidents that could have been avoided. These truck accidents occur as a result of a variety of types of negligence: overloading, worn tires or brake system, driver inattention or sleeplessness.

Legal Representation
Because most truck drivers are covered by their employers’ liability and health insurance, or if they are self-employed tractor-trailer over-the-road freelancers, they are likely to maneuver around legal claims levied by their victims. The battery of legal representation their insurance providers can offer them often leaves their victims bewildered and frustrated. The truck driver’s lawyers are experts in this particular aspect of legal representation.

Accident Victim’s and Their Rights
The victim of a trucking accident, particularly a seriously injured victim, requires adequate legal expertise to present their legal claims against the truck driver. Often, due to the seriousness of injuries, the victim of the accident lacks the physical or mental strength to seek out the best possible legal representatives. Adding this task to the difficulties already experienced exacerbates the situation and can aggravate further illness as a result of stress.

Seeking the Best Legal Representation
There are a number of ways to seek legal representation to achieve the best possible results in filing a legal claim. The most important element is experience representing victims of trucking accidents. Not all law firms who specialize in personal injury have the in-depth experience needed to represent victims of trucking accidents. This type of expertise involves scrupulous attention to detail of facts, accident scene and police reports as well as vast knowledge of personal injuries resulting from a trucking accident. To determine the best and most qualified personal injury legal experts with a background in trucking accidents, the American Bar Association is one source for referral as well as others who may have been victims of trucking accidents in the past. However, with the volume of information available online, the task of choosing the best law firm for an individual’s needs is as easy as utilizing a search engine to search for law firms by state, area of expertise and experience.

Experts in Personal Injury From Trucking Accidents
A Minnesota law firm with expertise in accidents caused by a semi-trailer, tractor trailer, big rig or 18-wheeler trucks makes the job of seeking legal representation as simple as typing in the search engine address their website address. The web page should be thorough, concise and offer a wealth of information for anyone who has been injured in a trucking accident. A client should be assured that their legal needs will be met and that proper and adequate compensation is received. Prompt attention to client service is a clear indication of a law firm’s experience and expertise. Review any legal website for reassurance that the law firm makes their clients their top priority. And be sure all contact information is readily available.

The information you obtain from this article is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation.

Helpful Information About Crmla For Buyers Of Rancho Santa Fe Homes For Sale

If you’re a buyer of Rancho Santa Fe homes for sale, it’s wise to learn all you can about the home buying process, including the legal aspect of real estate that regulate every buyer, seller, and lender. It’s vital to understand these matters to avoid issues that can make the process more difficult than it is.

In addition to the California Finance Lenders Law and the Real Estate Law that license lenders, a regulation was passed as an alternative to these laws: the California Residential Mortgage Lending Act or CRMLA.

This act was submitted in 1994 and began to function in 1996. It was passed to provide a licensing law that is deliberately made to direct the main duties of mortgage bankers; that is to make and service loans. The CRMLA is particularly aimed to control and approve activities regarding mortgage banking, not like the California Finance Lenders Law and the Real Estate Law.

The applicants can get a license under the CRMLA as a servicer, lender, or both. Once they are licensed, they are authorized to perform the following:

– Originate mortgage loans which are federally related

– Originate loans to pay for the construction of a property

– Sell loans to investors

– Service loans

– Buy and sell mortgage loans which are federally related

– Provide institutional lenders contract underwriting services

– Service any loans which are federally related not considering whether the mortgage loan was originated or servicing portfolios are bought

– Give borrowers brokerage services by trying to get a loan from another mortgage lender on their behalf.

Any one in the industry of servicing or originating residential loans in Rancho Santa Fe and in California must have a license, as required by the Act. There are certain entities, however, that are excepted from such requirements, including the ones listed below:

– Trustees in foreclosure procedures;

– Licensed brokers in California;

– Finance lenders in California;

– Pension plans that make residential loans to their members;

– Individuals who act in a fiduciary capacity granted by a court’s authority;

– Completely owned service corporations of savings banks or savings and loan associations;

– Municipal, state, and federal governments;

– Credit unions, savings banks, and savings and loan associations that are authorized to do business in California;

– Individuals engaged exclusively in agricultural, commercial, or business mortgage lending;

– Industrial loan companies, insurance companies, trust companies, banks; and

– Federal credit unions, federal savings bank, federally chartered loan and savings associations;

Under the CRMLA, any one of the following can become a licensed mortgage banker:

– A person

– A sole proprietorship

– A corporation

– A partnership

– A limited liability company

– An association

– A trust

– A joint venture

– An unincorporated organization

– A joint stock company

– A government

– A government’s political subdivision; or

– Any other entity

The requirements to be able to get a license are listed below:

– Approval as a servicer and/or a lender from any of the following: the Federal National Mortgage Association, Federal Home Loan Mortgage Corporation, Farmers Home Administration, Government National Mortgage Association, Federal Housing Administration, or Veterans Administration

– Audited financial records that demonstrate actual net worth of no less than $250,000

– $50,000 surety bond

Such information can be helpful for anyone involved in the home buying process, including buyers of Rancho Santa Fe real estate. It’s advisable to discuss with your agent anything you don’t understand about this complex process.

Sample Law School Personal Statements: Getting Into W&m Law, Cornell Law, And Columbia Law

W&M (William & Mary) Law School in Virginia, Cornell Law School, and Columbia Law School in New York are institutions that have been well known to provide top-notch education in jurisprudence for future law practitioners. Many legislators and law practitioners have prided themselves in having their education from these schools, especially Supreme Court Justice Ruth Bader Ginsburg who studied both in Cornell and Columbia. If you want to apply for these schools, here is a primer on the eligibility, application process, and the requirements that you need to pass.


W&M Law has three programs offered. For those who want to apply for the JD program, a bachelor’s degree from an accredited college or university is required. For those who want to get into joint degree programs, a minimum requirement of a bachelor’s degree is also required. Those who want to get into the Ll.M program or those who want to expand their knowledge of American jurisprudence can then do so even if they have obtained their legal training outside of the US so long as TOEFL score requirements are met.

Cornell Law requires applicants to at least have earned a bachelor’s degree from a four-year course. Although graduate school grades and standing will not feature in the rankings, these may be reviewed by the panel. Foreign students need to submit their school transcripts through the LSAC J.D. Credential Assembly Service (CAS).

Columbia Law is a little bit more discriminating as it requires applicants to have had a bachelor’s degree in law. A bachelor’s degree in any other field, despite being followed by a Master’s in Law, will still not suffice for eligibility. Those who have earned their law degrees through correspondence or in foreign law schools are also not accepted into Columbia Law.

Application process

The application process for W&M Law is as follows:

1) Complete an application form via the LSDAS Electronic application or through the school’s website.
2) Submit an application fee.
3) Send your academic transcripts and letters of recommendations.
4) Send your essays and a TOEFL score if applicable.

For Cornell Law:

1) Submit a completed application form through the website or through LSAC.
2) Pass two letters of recommendations, a personal statement essay, and an optional diversity essay.
3) Submit an application fee.

To get into Columbia Law:

1) Pass a completed application via the GLS Online Application.
2) Pay the application fee.
3) Submit your TOEFL, if applicable.
4) Pass personal statement essays, a resume, academic transcripts and diplomas, and letters of recommendation.

Writing the personal statement

All three schools require the applicant to submit a personal statement. Cornell suggests writing the personal statement on a topic about yourself, which can be discussed further during the interview. You can write about intellectual or personal interests and achievements, your goals and dreams or any project that you take pride in. A personal statement’s length is preferably up to two pages, double-spaced, and in a font and size that is easy on the eyes.

Sample law school personal statements can serve as guides for the format and content. Many sample law school personal statements online were done by authors who made it prestigious law schools.

Employment Law: Attendance Rewards – Legal Ramifications

If you were thinking of offering your employees special rewards as incentives for having good attendance records, then you must read on. In fact, employers that offer attendance bonuses may find themselves falling foul of the law.

The Royal Mail introduced a rewards scheme for staff that did not to take time off sick. Under the Royal Mail’s scheme, workers with full attendance records were entered into a prize draw to win Ford Focus cars or holiday vouchers worth £2,000. As a staff incentive, it seemed to work. The Royal Mail says its overall sickness absence levels fell during a nine-month period (between August and April) by 11%.

However, such schemes could have serious ramifications from a legal viewpoint, and leave employers vulnerable to a variety of legal claims.


Employees could bring discrimination claims on the grounds of disability or sex. The success of these claims would depend on each employee’s particular circumstances and needs, whether in relation to their family, religion or health.
Alternatively, qualifying employees could bring claims for being subjected to detriment treatment as a result of asserting their statutory rights, for example, for:-

Time off for dependants and antenatal care;
Time off for study or training or time off for jury service
Maternity leave;
Adoption leave; or
Paternity or parental leave;

Disability discrimination may occur if, for example, an employee had time off connected to a disability and this was not taken into account by the employer under the reward scheme. The employee might claim that the failure of the employer to set aside his/her absence for disability related reasons amounted to less favourable treatment.
How can employers protect themselves from such claims?

Employers can avoid these pitfalls by including a list of exceptions in the reward scheme, for example, jury service or study leave, taking into account any statutory rights to time off; or
Pay bonuses to employees connected to performance in their job rather than implementing an attendance reward.
Employers should be wary of adopting an attendance bonus scheme without legal consultation.

How Legal Transcription Services Help Law Firms Increase Overall Efficiency

Legal transcription services help law firms increase overall efficiency. There is plenty of paperwork, recording and transcription to handle which could all slow down efficiency and result in greater spending of resources. With legal transcription services, these secondary but important tasks can be outsourced.

Comprehensiveness of Legal Transcription Outsourcing

The legal transcription company can offer transcription for all kinds of legal documents. Through advanced features such as digital dictation, all kinds of legal reports and records can be transcribed including:

Seminars and conferences
Legal letters
Court proceedings
Regular recordings
Law office recordings
General correspondence
Client letters

Legal transcription services generally cater to documents dealing with all sections of the law including personal injury, criminal law, real estate, corporate law, copyright law, intellectual property, and more. This is possible because of the presence of legal experts who are actively involved in the transcription process. Conference call transcription, digital transcription and dissertation transcription are some of specialized services provided with legal transcription.

Expert Hands at the Legal Transcription Company

The legal transcription company hires industry-trained professionals, transcriptionists, editors, proofreaders, a host of legal experts and technical staff for the task. They can ensure promptness in the transcription service, and hand back the transcribed files on time. They ensure security and confidentiality of the transcribed work and also have a smooth document flow management system so that data can be effectively tracked. Every transcribed file is cross checked by proofreaders and editors and multiple quality checks are conducted.

Features of Legal Transcription Services

Other features of legal transcription services offered by experienced and reputable firms include:

Convenient choice of dictation methods offered, such as digital recorders and toll free number
Various file transfer systems offered including browser based file transfer and email or FTP systems
Complete work flow modules offered
Option for customized turnaround time provided so clients can specify depending on the urgency of the task
24/7 customer service offered to cater to any questions, doubts or issues, if any

Resources Saved and Greater Efficiency Ensured

What legal transcription outsourcing does for a law firm is help it save much of its resources for the core processes while the paperwork, recording, transcription and documentation chores are delegated to expert hands. Not only are resources and costs saved and thereby sustainability ensured, but the law firm can perform better and serve its clients more efficiently, which will have as great a bearing on its reputation as much as on its earnings. This is how legal transcription services help law firms increase overall efficiency.

Maggie Slider Law Of Attraction Cetificate, Social Service Worker Honors Diploma, Dementia Studies Certificate. Personal Trainer Certificate

Main Areas: Positive Parenting, Empowering young adolescents/adults
Career Focus: Certified Law of Attraction Life Coach-
Affiliation: Quantum Sucess Coaching Academy

I am a Certified Law of Attraction Life Coach and a Counselor

I have many years of experience working with children and parents in the Children’s Aid facilitating the PRIDE course. I have worked in a group home setting and school setting. My experience covers facilitating peer groups of school age children, a peer support group of pregnant teens. Many years of my experience has been working with special needs kids, with mild intellectual delays to many variations of the Autism spectrum. I am the proud, sole parent of 2 terrific teens.

I help disconnected families reconnect and become happier and healthier by empowering and teaching better communication skills, positive parenting strategies and the importance of healthy lifestyle choices.

Professional law attorney: protecting your rights

For some life takes a very drastic turn wherein they experience difficulty in resolving their personal or family issues. This brings up the need and consultation of a third party which is often renowned as law attorney. In other words, the client needs to hire law services from a professional law attorney firm. With the advancement in technology and super busy lifestyle of individuals, now everyone is more or less dependent on internet. However, the ones seeking for professional law services can now also look hire services online. Even if you are looking forward for a divorce attorney Miami service, online law attorney firms guide you the best and come up with knowledgeable lawyers to further protect your rights. Finding out an online law attorney firm is not difficult as all you are required to do is research. The best way to narrow down your research is to research by placing specified keyword on the search engine box. For example: if you are based at Florida and look further for legal separation Florida services, then you may research online with the same keyword of legal separation. However, there are still some things to be considered while hiring a law of attorney.

Below mentioned are the important considerations while hiring online law services from a professional law of attorney:

Friendly: If you are thinking to separate from your better half then you need a lawyer that not only understands all the legal issues rather also understands you mental status. It is extremely eminent for the law expert to be friendly so that you are comfortable working. Sometimes the entire procedure of divorce can be too personal therefore; your lawyer must be friendly enough to not leave you with hesitation. He/she must make you so comfortable that you may further share all your personal and valuable information with utmost ease. Apart from this, the lawyer must boast rich industry experience as this factor will let you enjoy major advantages of working with them.

Expertise in professional front: It is pretty obvious to hire services from a reliable and certified law firm as it can only provide you a lawyer holding rich expertise in his respective field. It is always advised to give preference to an experienced and knowledgeable lawyer to fight your Miami divorce attorney case. Indeed a lawyer boasting expertise in his/her field will definitely come up with positive outcomes regarding your case.
Professionalism: One of the major factors which should never be ignored is professionalism. The proficiency and level of skill will give you confidence to handle your case with the lawyer. The client gets an assurance of getting value to their money and time spent on the lawyer. Apart from this, hiring services from a professional law of attorney firm also guarantees timely execution of entire procedure.
All these above mentioned factors are extremely important while hiring online law services from a professional law of attorney.

Legal Transcription Services: Improved Data Security and Confidentiality

Legal transcription outsourcing services are in wide demand as a wide majority of law firms, legal professionals and many other legal entities are outsourcing their documentation tasks. To cater their unique transcription requirements, many legal transcription companies in the United States offer knowledgeable transcription solutions. The professional legal transcription services that experienced companies ensure improved data security and confidentiality.

Stringent Measures to Ensure Security of Legal Information

Accurate legal documents in proper file format help legal experts to take the right decisions on legal matters. Busy legal professionals usually find it difficult to manage even their regular documentation tasks on their own. It is to solve this issue that established legal transcription companies offer comprehensive and customized legal transcription services for law firms, lawyers, attorneys, prosecutors, court reporters and other legal experts.

Outsourcing their transcription jobs to an experienced legal transcription company allows legal professionals to maintain error-free and updated records in their practice. These services reduce their documentation responsibilities and save the time and effort needed to do the job on their own. It also helps them focus on their core activities wih greater efficiency.

Professional legal transcription companies understand the importance of keeping the legal documents they are entrusted with, safe and secure. They take care not to use home-based transcription services and transcribe the files in an environment that ensures top security. A reliable legal transcription company would offer secure file transfer options such as FTP and browser-based functionalities. The firm would also have several other stringent security measures in place to ensure data safety and confidentiality, such as:

Minimum of 128-bit encryption for all transferred files
Firewalls and antivirus software on all computers updated regularly
Password-protected computers and lockers
Entire workforce trained and monitored on security, privacy and confidentiality
Restrictions on personal use of floppies or electronic devices including laptops inside the office
Hard copies of notes and copies of legal information including document schedules shredded onsite
Monthly back-ups of computer systems stored under lock and key within the premises
Regular technical evaluations performed to ensure all systems meet or exceed specified security requirements

Error-free Transcripts for All Legal Dictation

To provide quality legal transcription services, professional transcription companies are staffed with experienced legal transcribers, proofreaders, editors and quality controllers. They ensure technology-driven transcription services that strictly follow the necessary protocols to maintain the privacy and security of confidential information. The skilled transcriptionists in these firms offer error-free transcripts for all legal dictations such as memorandums, court proceedings, wire tap, deposition statements, letters, public hearings, and more in minimum turnaround time. The transcribed files are thoroughly reviewed at three levels by the quality control team to ensure up to 99 percent accuracy.

Reputable Firm for Consistent Legal Transcription Service

When planning to outsource their documentation tasks, legal groups and practices should take care to select an experienced outsourcing company. Partnering with such a firm ensures prompt legal transcription services with improved data security and confidentiality. An established service provider can also provide services at competitive rates.

How To Secure Business Law Services

Because of the ever changing legal provisions, it will not be that easy for most people to understand just how business policies really work. Society constantly demands changes and revisions to make sure that the law goes for the benefit of everybody. As a business owner, it is only right for you to acquire a legal counsel or representation.

Preparation for the future is best done with your legal counsel at bay for what may come. You do not need to look for investments and businesses before you find it necessary. As soon as you become property owners or start building your assets, you will have to obtain business law services. Along the way, you will encounter business related issues that will require the expertise of a reliable legal counsel. It is crucial to get your representation even before issues arise.

The following are some tips to guide you so you will be able to make a good choice when searching for a lawyer.

Name your budget. Often, you get what you pay for. Know that most of those who charge high will give the best service.

Normally, big firms have better connections as well as better experience. Their years of exposure to how business laws work will truly give you an edge over your issues. Also, the connections a big firm has will make it easier for you to work out your legal problems. Preparing documents will also be easy for you. In case you face a legal issue that your resident lawyer is not an expert of, you can always rely on his connections in the firm for assistance. This can be true for services that include drafting a will or managing your investments. You may also choose to go with the smaller firms such as when conveyancing fees. You will only pay lesser than what you need to pay for the bigger firms for business law. However, you must be very careful in checking out if your potential choice offers real good deals.

Start making a choice among your potential lawyers by narrowing down your list to their corresponding fields of expertise. In this way, it will be easier for you to know which one is fit for your need for business law assistance.

Although these given tips can help you, you must know that nothing compares to working with the most reliable and reputable in the industry. Their reputation will not only assure you of their trust-worthy track record but also better and bigger opportunities in your business ventures.

Visit to know more about business law services. Also, learn how to face business related legal issues.

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