Good credit can save you money because it gets you financing at a cheaper rate. It also gives you favorable treatment from banks and credit card companies. For the most part your credit score is based on how promptly you make your payments and not having to great of an outstanding balance owed.Your credit score will be hurt by payment delinquencies and the closing out existing credit cards that you have but do not use.
Be very hesitant about using credit repair companies that charge for their services. They cannot do anything for you the you can’t do for yourself under the Federal Credit Repair Act.
The trick that will help you improve your credit score is this. When you receive your monthly credit card statement it appears as though you have the option of paying either a minimum amount or the monthly balance. If you normally pay the minimum, pay an amount reasonably over the minimum (10 – 15%). This will accelerate lowering your existing balance and this makes credit card companies very happy. Try it for a few payments and see what the results are credit wise. Eventually the balance has to be paid off anyway.
If you are injured on the job, even if it is your own fault, you have the right to be treated and compensated for the injuries. Each state has their own set of rules but they all provide protection for you, the injured employee. The injury must occur within the course and scope of your job and should be reported to the employer as quickly as possible.
All types of injuries are covered: Accidents, injuries to joints because of work activities, aggravation of a pre-existing problem, allergies and sensitivities to the work place, in some states psychological issues are included, the list is almost endless.
You may use your own Doctor for treatment if care is not provided. If during the time of treatment you’ re unable to work, you are entitled to be paid a weekly amount. Usually this comes from an insurance company that most employers are required by law to have.
After treatment if you are basically healed, you have the right to be given your old job back. If it turns out that because of the injury you can no longer do the same physical activities, you have a right to be compensated with money because your earning capacity has been diminished. Typically, an Attorney is required to insure your best interest.
Let’s assume that you have been involved in an auto accident either as a driver or a passenger and would like to be compensated with money. To figure out who should get what, the law has created certain rules and principles. These allow you to sue, or threaten to sue which creates the out of court settlement.
In a car accident case four elements must be present. The first is that the driver of the car that caused the accident must owe a duty of due car to the driver or passenger he injured. This simply means he must use reasonable care driving and not injure any car or person. Included in this would be using proper speed, and stopping at red lights and stop signs.
The second element is that the driver we want to sue breached his duty of due care by running a red light or failing to stop when they should have. There are many ways of breaching the duty of due care.
The third element is foreseeability. Another words was it foreseeable that the breach is the cause of injuries. It is certainly foreseeable to the driver of a car that when he hits another car there will be injuries to the people in the vehicle.
The fourth element is injuries resulting from the accident. This includes payment for pain and suffering, loss of wages, damages to car and other property, medical bills, future medical bills, general damages and loss of consortium (loss of romantic interludes with one’s wife).
When the four elements are present, you have a good case.
Imagine that you are walking down a dark street at night. Suddenly there is the sound of running footsteps in back of you. You are not sure of what is about t happen. Your pulse speeds up, your breathing quickens and deepens, your blood pressure increases to have more blood flow to the muscles. For the moment your are in what is known as the fight or flight mechanism of the nervous system.
Now imagine a voice calls out to you from the direction of the running feet and says, “Slow down, I just want to return your wallet. You left it on the store counter when you were here.”
Your pulse and breathing begins to slow down. Your blood pressure decreases and there is probably a smile on your face. The only thing that has really happened is a change in your perception of the situation. It is of course agreed that the change in perception was justified. But this little story does illustrate the importance of perception in maintaining normal blood pressure.
There are many causes for high blood pressure. Some are purely physical and others are based upon wrongful perceptions a person has of the world and people around them. These misconceptions are often based upon fear and anger. It is of course possible for the problem to be a combination of he physical and the psychological.
A very rewarding way to lower blood pressure through psychological means is to use the concept of being non-judgmental. What is meant by this is that you do not have to agree with what is said, but you accept it as the other persons point of view. Since it is their point view there is no need for any anger. Being non-judgmental has the additional benefit of allowing you to remain stoic , when given bad restaurant service as an example, thereby avoiding a rise in blood pressure.
Being fired is mentally traumatic for almost everyone. After all we spend at least one third of our day working or preparing for work. Adding to the trauma is that suddenly you have to look for other sources for money.
The various State Legislatures have tried to even things up and give the employee some rights when they are wrongfully terminated. Here is how things work, but keep in mind you really need an Attorney to explain them to you because they vary from State to State.
If you are what is known as an employee at will the boss can let you go for almost any reason as long as the reason is not illegal. An employee at will is a person who is working for the company but doesn’t have a written contract with the company. The courts however very often find a contract between the parties based upon the conduct of the company. When you are a contract employee you can only be fired for good cause.
Keep in mind, that even if you are an employee at will you can’t be fired for any of these illegal reasons: Race, Nationality, Religion, Sex, Age, Sexual Orientation, Retaliation, Refusing to Commit an Illegal Act, (in a few States) Pregnancy, Medical Condition and Disability. Being fired for any of these illegal reasons may net you a pretty penny.
If there is a manual governing hiring and firing procedure it must be followed by the employer. Issues of vacation pay and severance packages are always negotiable.