Understanding LLC and Its Advantages For the Landlords

If you are an owner of a rental property, either for residential or commercial space, it is wise to form a LLC to deal with your property. It is a given fact that this type of business is very unpredictable. If you will not be aware of the ins and outs of the industry, then you can be in litigation. But if you are a smart investor, you have an insurance ready for cases like that. To ensure a more organize flow of your operation, it is best to put your rental property under a LLC. Though this might not be the ideal option, but it restricts the claims of LLC creditors to the LLC assets as well as protects your home and business from the creditors.

Take a look at some of these cases so you can fully understand the importance of LLC. The limitation on liability is not idea. If you are liable for doing some jobs like removing of snow and you did not do it and unfortunately such removal resulted to an injury, you can probably be involved as the person liable for such job and not simply as the owner. The role of LLC will limit your contractual liability to the point that the contract is only within the LLC and the other party and in not secured by you.

If you categorize your LLC with only one proprietor, you will be free from filing your own tax returns. It can belong under the Schedule C on your personal tax return. However, if your LLC has two proprietors, like husband and wife, you will need to file a separate partnership tax return. If you are married and one of you happens to be the LLC owner, one of you can receive the LLC membership if the initial owner dies. The long and short of it, a multiple-member LLC needs to file its own tax return. As married couples and want to have a more organized procedure, you need to be comfortable the one of your will own the LLC.

To be able to give the limited liability that is usually presented by the LLC entity, you have to claim that LLC is distinct from you. It should have its own bank account. You are not allowed to use any amount, from LLC’s bank account, for personal purposes. And the LLC must be the one to engage in any contract and not the owner itself.

Lastly, your mortgage holder may not be in favor about your transfer of ownership of your property to the LLC. Most of these mortgages would require you to pay off the balance before any necessary transaction is done. In mortgages, if you plan to transfer the real estate property into a LLC, it should be considered sold first. But there are cases that you can renegotiate this rule if you put up LLCs for rental properties. There are also other cases that they conduct the transfer hoping that the mortgage holder will not be aware of the transaction. But be careful with the risk involve when you do this. The lender can any time consider the loan due because of the violations made under the due on sale clause. This is in the case if you have successfully transferred the property and was caught by the lender. And once the loan is called due you may either refinance it or must be paid in full. The worse consequence of your actions is that you might end up paying a more expensive loan later on.

With all of these pointers, think it over and decide whether LLC option will work best on your business.

Vigilance Against Identity Theft

A crisis has a way of making people do crazy things. The onset of the global financial crisis left many on the verge of financial breakdown to add to this many people have tried taking advantage of these helpless people. Identity theft is one of these crimes which have burdened many people.

Identity theft has become a prevalent crime especially among those uninformed of its disruptive and destructive nature. By simple definition, identity theft is the malicious acquisition and use of another’s personal information to gain something or use it to swindle and do fraudulent transactions. One of the most common motives behind this crime is to enrich oneself at the expense of another. This damage is not only financially but in other aspects as well such as personal and social.

If you are not very keen on securing your personal data, you may not know that you are already a victim of identity theft. You may not know it not until you already receive your credit bill and be shocked to see items that you haven’t purchased. It is never too late to be vigilant and start being aware of steps that could save you and your financial accounts.

To start with, you should first look into some of the most common indication that you are already a victim of identity theft. Aside from the one mentioned earlier about charges you would be shock to see in your credit card statement another sign is when you don’t receive statement of accounts regarding your credit card and other bank accounts.

When you don’t receive these important documents one of the might be that they are already in the hands of the thief. As a victim of identity theft you are also prone to receive phone calls asking for payment of fees for items and even services you have “supposedly” availed. Another warning sign will not escape your attention since it involves being turned down by credit companies which you also did not apply for which you will know after receiving letters of denial. All these might be already happening to you thus scrutinizing your financial life might be good to do right now. If you don’t find anything then good for you but you shouldn’t be very comfortable with this since identity thieves might strike any time.

But if you find out otherwise, immediately talk to someone from any of the credit reporting agencies and tell them what you have discovered. Ask them to put an alert on your credit accounts consequently you should also immediately close the accounts which the thieves got their hand into. By closing these accounts you have already done a great step to prevent the thieves to cause more harm.

Don’t forget to file a formal report to the police station where the incident of identity theft happened. It should include the things that you notice like not receiving of your bank or credit card accounts or getting calls from companies trying to collect payments for goods and services you haven’t purchased. Lastly go to the Federal Trade Commission to file a complaint.

Are You Facing a Theft Charge? Hire Yourself a Reputable and Experienced Criminal Defense Attorney

When you’re charged with a crime, the experience is not pleasant and theft charges can be quite complicated to muddle through. After all, there are several different types of theft charges; some are misdemeanors while others are felonies. If you’re facing theft charges, it’s important you know the different kinds and what they mean. You can get through this by finding yourself a criminal defense attorney and retaining his/her services.

An experienced criminal defense lawyer will be able to assist you in your criminal defense case. The attorney will know the difference between the theft charges and help you to understand what your options are. If you don’t have this knowledge, you’re less likely to be successful in your criminal defense.

While you’re assured an attorney by the Constitution’s Bill of Rights, that doesn’t mean you’ll get the best-representing attorney. Public defenders have experience in many factions of the court law so they may have some experience but not the experience you’d want for your case. Look for legal representation that knows what they are doing rather than someone who is learning alongside you.

While court-appointed attorneys do their best to represent you, they have many court cases they must contend with. A large caseload often requires them to accept plea bargains even if it’s not in your best interest. Make sure that your attorney will weigh the options before he/she recommends what route you should take.

If it looks like your case is heading to trial, find an attorney who’s got plenty of trial experience. Arguing a case is much more than strongly telling your side of the story; it also includes filing the right motions or introducing evidence into court. It also involves knowing how to sway the jury with the knowledge of the human nature. If your attorney has plenty of courtroom experience, they’ll give you the best defense possible.

When you’re trying to hire an attorney, you want one that makes you feel comfortable. It’s not uncommon for people facing theft charges to feel uncomfortable talking about the case, as they feel judged before they’ve had a chance to explain their side of the story in court. Your attorney should listen to you with an open mind and discuss with you all points of the case.

Your criminal lawyer should have positive results in prior theft cases. While you’re unlikely to find a lawyer who’s won every single one of his/her cases, you certainly don’t want a criminal lawyer who’s never won a case. What you should look for is a lawyer who’s got a strong acquittal record as well as plea-bargains or dropped charges on minor charges.

Regardless of what crime you’re accused of and charged with, you should find the legal counsel that will give you the best representation possible. Make sure the counsel you get has a history of winning theft cases and that you’re comfortable talking and working with him/her.

Medical Identity Theft â What is It?

Medical identity theft is a criminal act that occurs when a person uses another person personal information, such as name and insurance card number, without that person knowledge to obtain or make false claims for medical services or goods.

The main reason for this crime is that people are unable to get medical coverage easily and pay for the high health bills , and so the difficult times can drive many people to take very desperate measures.

This crime can occur in private doctor’s offices, clinics and hospitals. Identity theft can be committed by individuals, doctors, nurses, lab technicians, receptionists, ( actually all the workers in the medical field) or organized criminal gangs.

This kind of theft is far more difficult to detect than its financial counterpart (which in some cases can be discovered quickly should an unauthorized charge appear on your credit card ) and requires a highly proactive approach to both identifying instances of fraud and lessening the chance that you will fall victim to the crime.

Medical identity theft takes two forms: physician identification numbers that are stolen and used to bill for services, and patient identification information stolen and used to obtain services or to bill for services.

Medical identity theft is not a new problem but because Identity thieves traditionally target a victim’s bank accounts or credit cards or else use a victim’s information to establish credit for credit cards, loans or even utilities in a victim’s name , the medical identity theft is less known.

Remember Medical identity theft is dangerous to both your wallet and your health because a person’s medical information is used without their knowledge, but because their actual medical history and records may be altered as a result of the unauthorized use.

When medical identity theft occurs, you may never even know it happened because unless you have a medical condition, you could keep your insurance card in your wallet or purse and rarely ever use it. The complications it can cause can threaten the life of you or your loved ones for example blood types can be changed, diagnoses you never actually got can be put into your records and much more very scary things could happen.

Imagine getting into an accident and losing a lot of blood not realizing an identity theft had occurred and now your records show your blood type as A instead of B. If you get a pint of the wrong type, serious problems or death may occur. You also may end up with extremely high medical bills. If someone bills your insurance for a broken leg, you may be responsible for much of the bill.

Repairing medical identity theft errors can be a very long and complicated process. If someone got treatment somewhere, that information may be shared all around the country. Even if you manage to change it, it could take a very long time to correct everywhere and that puts you at great risk in case of an accident.

To prevent all of this, keep detailed records of your medical bills and insurance statements.

The Benefits of Using an Online Conveyancer

In the modern hi-tech world of today, almost anything can be done online, and conveyancing is no exception.
Conveyancing is the legal term for the process of transferring ownership of a property between two parties. A conveyance is legal document known as a deed that conveys a property from the seller (or vendor) to the buyer.
The process basically involves 3 steps: putting the property up for sale, completing the legal documents regarding the property, and exchange of contracts whereby the property is handed over to the new owner.

Traditionally conveyancing is done by a solicitor or a licensed conveyancer and can be a laborious time consuming process that involves many trips to the office of your representative. With the advent of online conveyancing the process can be easier, quicker and cheaper.

Before the conveyancing process can begin, you must first choose a firm or company to represent you. This can be difficult as there are so many different service providers. Word of mouth recommendations are advisable but not always readily available. Asking family and friends for recommendations can be time consuming and a benefit of online conveyancing is that you can browse through different companies online, in the comfort of your home. There is no need to go and meet the conveyancer personally and the answers to any queries you may have are just an email or a phone call away. In this way, you are able to contact more companies, consider differing costs and make a more informed decision.

Geographical location of the conveyancer is irrelevant as everything is done online eliminating the need to meet at the conveyancer’s office and saving you time.

Most people lead very busy lives and have little time to attend meetings at their solicitor’s office. These meetings can be numerous as conveyancing is not usually a speedy process.

Online conveyancing means that solicitors all over the country are competing for the same customer base, making quotes cheaper and more competitive. As everything is done online, overheads are low, leading, again, to the availability of cheaper quotes.

Being able to contact your conveyancer online whilst sitting at home is an attractive benefit to many people. Very many online conveyancing services are contactable during evenings and weekends, unlike the traditional office-based services.

Online conveyancing makes it easier for you to find the most price competitive firm and solicitor. You can simply compare the prices online and select the one which is best for you or within your budget.

Many online conveyancers operate a “No move, no fee” policy, ensuring that the user is not liable for any cost other than those occurred on your behalf.

Most online conveyancing services will provide you with password protected instant updates, by email or SMS, allowing you to keep track of the progress of your case 24 hours a day, seven days a week, all from the comfort of your own home.

Therefore, it is clear that there are many benefits to choosing online conveyancing, although it is important to ensure that the online service you choose is regulated by the Law Society and is covered by indemnity insurance.

When does a driving underneath the influence result in a felony charge?

most dui offenses lead to misdemeanor charges. A misdemeanor is a relatively minor charge, specified by the maximum amount of time somebody may spend in jail– commonly when it comes to a year. A felony, on the other hand, is specified by the minimum amount of time somebody may be sentenced to jail. Contingent upon the state in which the dui occurred, dui offenders may face up to one year in jail and receive fines of up to $1000, and penalties vary contingent upon the offender’s blood alcohol content (bac) level, the number of former offenses, and age.

in rhode island, the charges for primary time dui offenders may include:

• a fine of $100-$300




• 1-6 month suspension of driver’s license




• up to one year of jail time




• 10 to 60 hours of community service




• enrollment in driving school or in alcohol treatment programs




• additional fees

charges for second time dui offenders within five years may include:

• a fine of $400




• up to 2 years suspension of driver’s license




• from 10 days up to 1 year in jail




• enrollment in driving or alcohol and drug treatment programs




• installation of an ignition interlock device in vehicle, to stay up to 2 years

there are two types of dui cases beneath which somebody will be charged with a felony in rhode island. They include receiving a dui charge for the third time, or causing an accident that results in the injury or death of another party.

the penalties for a felony charge dui may include:

• a fine of up to $5000




• 2 to 3 year suspension of driver’s license




• from 1 to 5 years in jail




• enrollment in driving programs or alcohol and drug treatment programs




• installation of an ignition interlock device in vehicle, to stay up to 2 years

a dui charge for an accident that resulted in the death of another individual may include:

• a fine of up to $10,000




• 5 year license suspension




• up to 15 years in jail

a dui offender with a bac above 0. 1 will harsher penalties. Similarly, offenders beneath the age of 21 face a different set of penalties, commonly less strict than the ones listed above, and more focalized on alcohol knowingness, treatment programs, and community service instead of on incarceration.

the range of dui penalties may be overpowering and mixing up. Whether or not you have been convicted of a dui, the penalty you receive will be based on your queer circumstance. To learn more when it comes to dui penalties and how they might be lessened, visit the site of Rhode Island DUI attorney james powderly.

Promoting Your Talents With Creative Commons Licenses

Most software programmers, photographers, game developers, and artists use licensing as a means of generating additional income from their hard work. Because the expenses associated with these pursuits often leave technical and creative professionals without a lot of revenue, licensing is usually done as a way to make additional money. However, there is one way that licensing is used that is more for promotional purposes than for income generation purposes. Many creative professionals are now allowing members of the public to download their works, but use them in a limited manner, through Creative Commons licenses.

Create Commons licenses take into account the basics of copyright law, but offer a way for users and creators to balance their needs. Instead of creators maintaining all control lest they be taken advantage of, Creative Commons licensing allows creators to dictate how users can use their works. This gives users a means of using the works of other people without forcing the creators to give up all of their copyrights. Most people think of licensed Creative Commons works as being online. Many of these licensed works are found online, but offline works can also be licensed under the Creative Commons. When a Creative Commons license is created, anyone is able to use the work as long as they use it within the parameters of the license agreement.

There are several ways a creator can control his or her work under a Creative Commons license. The attribution non-commercial no derivatives license is the one that most restricts how a work is used. This type of license allows users to download and share a work with others, provided that they do not edit the work in any way. Additionally, the creator must be credited any time the work is used or shared. The attribution non-commercial share alike license is slightly different. This license allows users to download and share the work, and it also allows them to edit it, provided that the user is not using the work for commercial purposes (e.g. editing and reselling the work as his own).

The attribution non-commercial license is slightly less restrictive. While users must credit you as the creator of the work, they can create derivative works by editing your original work, provided they are not using the derivative work for a commercial purpose. Attribution no derivative licenses allow users to download and share your works freely, for commercial or non-commercial purposes, provided they credit you and do not change the work in any way. An example would be of a photo that is sold online. The user would have to credit the creator and would not be allowed to edit the photo in any way.

Many people don’t understand why creators would want to license their works without receiving any monetary compensation. The beauty of Creative Commons licensing is that the creator receives credit every time the work is shared or used. This can create excellent opportunities for the creator that he or she would not have received had they simply licensed the work to a user for money. For example, a magazine editor may see a photographer’s work and ask him to do a paid photo shoot for an upcoming issue of a magazine. These additional opportunities make Creative Commons licensing an attractive option for creative professionals.

Selecting the proper conveyancing firm

conveyancing is not everyone’s cup of tea as this routine of buying/selling of property always requires the proper professional advice. It takes years of study, hard work and experience for an individual to turn into a successful conveyancer or a conveyancing solicitor. It is rather awe-inspiring that individuals sometimes think they’re good enough to execute the procedure themselves and don’t hire a conveyancing firm/solicitor. The end result is that they either get tricked or face difficultnesses which end up costing them much more than it would have if they had sought professional advice.

acquainted with these facts, the uk law society not so long ago advised that conveyancing solicitors offer impartial & well-educated guidance which is the key to a successful transaction. The society has termed conveyancing as ‘a complex process’ for consumers, purchasers & lenders who will have to seek professional help for conveyancing to be performed rightfully.

the society carried out a consultation on ways to improve the housing market which has seen unexampled challenges along with changing client expectations and rising anti-money laundering necessaries, from that time of the international economic downturn.

one of the key suggestions was to improve the existent conveyancing protocol by introducing new certification protocols. Respondents were nonetheless, skeptical regarding a proposal to concede conveyancing solicitors to turn into real-estate agents which is likely to impact the credibility of advice offered to clients.

a top law society official was quoted by yeovil express as saying: “the professional integrity and legal attainments which solicitors traditionally fetch to the housing market are exactly as key now as they have always been and in all probability more necessary than ever. Similarly the profession’s unique capacity to embrace modify means that our established values can be used to fetch improvements to the procedure. “

one of the most necessary points to consider while selecting a conveyancing firm/conveyancer is to determine the amount of experience. A good conveyancing firm commonly has a panel of qualified solicitors who work in team to help their clients and are commonly more effective than person conveyancing solicitors. Apart from experience, one will have to similarly consider relevance of the experience (cases alike to one’s own case) before hiring a conveyancing firm/solicitor.

another major appearance of conveyancing is the fees. A good conveyancing firm/solicitor will always provide clients with a step-by-step pricing guide. A firm convinced of their credentials wouldn’t hesitate to offer ‘no completion no fee’ conveyancing to its clients. In this case, if the exchange of contracts fails for which client is not responsible, he/she is not liable to pay anything to the firm and will only pay for third party expenditures (expenditures).

the idealistic way to approach conveyancing procedure is devote many time to research for finding low-priced and suitable conveyancing advice. Best research that one can do is to find many claims company web sites that offer the facility of free instant quotes. One just needs to fill a short and simple form and will get an instant quote in matter of seconds. Compare the quotes, keep in mind the above mentioned points, and select the conveyancing firm/solicitor, which best suits your need.

7 Tips For Preventing Identity Theft

Identity theft will spoil your day, your week, your life. People will pose as you to get one thing, access to your money and credit, in the process ruining your life for a long time.

Lock your mailbox.

If you do not have a locking mailbox, consider replacing it with a locking model if possible. Then keep it locked. A lot of housing complexes use a community site where the boxes are grouped together. These boxes always have locks but are not totally secure. Try not to leave your mail in the box any longer than necessary.

Don’t give financial details over the phone.

We have all gotten the calls from a friendly telemarketer claiming to represent a very desirable charitable foundation. All they need is for you to divulge your credit card information for you and the bogus scam artist to feel really good about yourself. Of course, the warm fuzzy feeling soon disappears when you discover your credit line maxed out and ruined.

Have a private phone number.

You will benefit from a unlisted phone number. This will normally limit your phone calls to people you know and want to talk to. It is difficult to get through life without giving out your phone number to other people but some caution in this area will yield dividends. Also a caller ID function will help screen those calls you really don’t want to take. Listing your number with the National Do Not Call database will stop a lot of those annoying telemarket calls.

Store your PINs in a safe place.

Those pesky PINS for your ATM and credit cards are very difficult to remember. Don’t give in to the temptation of keeping them on a card in your purse or wallet with your credit cards. Store them in a safe place apart from your cards. This can be difficult to manage as you may need to access the account on the spur of the moment.

Photocopy both sides of your wallet’s contents.

Make sure that you have a photocopy of all contents of your wallet. If your wallet is stolen, you can easily report it to the proper authorities.

Make sure you report the theft to the proper companies, (e.g. Social Security, credit card company etc.) as soon as possible to prevent the thieves from using your personals.

Have a good paper shredder and use it regularly.

Be sure that you have access to a paper shredder. Shred all those documents that have any information that you would not want to fall into the hands of a thief. This includes those pre-approved credit offers you get in the mail almost daily.

Be Smart Online.

Be sure that you are using a secure server. A secure server is identified by the https intead of the standard http. Use a good firewall and virus programs and keep them up to date. This will help block spyware and virus programs that may steal your personal information.

A vigilant approach to safeguarding the use of your personal information will prevent a lot of problems. Identity thieves are constantly on the lookout for the person who is careless or uninformed about the consequences of being casual in safeguarding their credit and financial data.

Explanation of the Mixed Case For Federal Employees With Overlapping MSPB and EEO Complaints

One of the most challenging aspects of Federal employee employment law is the concept of the “mixed case”. The rules and procedures governing a “mixed-case” are so complicated that this article does not seek to explain the “ins and outs” of every situation that could arise in a mixed case. This article only seeks to explain generally what a mixed case is and how a mixed case should be handled.

So let’s start there. What is a “mixed-case”? A “mixed-case” occurs when a Federal Employee has the statutory right to challenge an Agency action in two forums with overlapping jurisdiction – the Equal Employment Opportunity Commission (EEOC) and the Merit Systems Protection Board (MSPB). If an Agency takes an adverse action which is appealable to the MSPB, and the Federal Employee wants to allege that action was motivated by improper discrimination or reprisal for protected EEO activity, then the employee has what is called a mixed case.

In a mixed case, the Federal Employee has the right to choose which forum he or she wants to first raise their claim – the MSPB or the EEOC. If the employee first challenges the mixed-case action in the EEOC, he/she has what is called a “mixed-case complaint”. If the Federal Employee first challenges the mixed-case action in the MSPB, he/she has what is called a “mixed-case appeal”.

The only difference in the two processes is the path they take to get to a ruling by the appropriate judge. Let’s discuss that in more detail.

If the Federal Employee files a mixed-case complaint, the agency must process the complaint in the same manner as it would any other discrimination complaint. However, there are a few differences:

The Agency must tell the Federal Employee, when he/she files a complaint, that if a Final Agency Decision (FAD) is not issued within one hundred and twenty (120) days after the complaint is filed, the Federal Employee may appeal the matter to the MSPB at any time thereafter or file a civil action in certain federal courts. N.B. – Be wary of leaving the administrative process to file in any federal court – this can prove to be a very dangerous proposition.

The Agency must issue a FAD within 45 days after the date the investigation is completed. When the Agency issues a FAD in a mixed case complaint, the Agency must tell the Federal employee that he/she has a right to appeal the matter to the MSPB (not EEOC) within 20 days after receipt of the FAD – this is different from the typical time to appeal to the MSPB, which is 30 days from the date of the adverse action.

Mixed Case Appeal – A “mixed-case appeal” is an appeal filed directly with the MSPB that alleges that an appealable agency action was effected, in whole or in part, because of discrimination on the basis of race, color, religion, sex, national origin, handicap, or age. The MSPB will process the appeal in the exact same manner that it processes any appeal, and the Federal Employee will carry the burden of proof on the discrimination claims.

The biggest issue with mixed-cases involves the dual filing of the matter in the EEOC and the MSPB. This often occurs when the Agency fails to identify and process the EEO complaint as a mixed case complaint, or when the employee files a mixed case appeal and the Agency wants to argue that the EEO complaint was filed first.

Another issue that arises with mixed-cases is determining which forum is better to initiate the claim in – the EEOC or MSPB. This is a question that cannot be answered in an article such as this, as it depends entirely on the particular facts of the employee’s case.