False Advertisements and Flogs Ripe For Internet Lawyer Attention

False advertising is not a new cause of action. However, the Internet has increased the number of mediums through which false advertising can be perpetrated. In particular, fake blog-style websites, also referred to as flogs, are becoming commonplace on the internet. These flogs, which oftentimes contain manufactured testimonials or enticing yet unsubstantiated claims, are one of the most the prolific ways by which third parties are advertising their products or services and gaining revenue therefrom. Internet lawyers need to take note of this increasing practice and be in a position to advise both advertisers and consumers alike regarding the same.

On the one hand, internet lawyers should advise advertiser clients that flogs may subject them to both civil and/or criminal liability under the federal advertising laws and FTC Rules, including the recently enacted Part 255 Guidelines. While truthful advertising, legitimate testimonials, and proper disclosure of material connections and other information, for example, can help to reduce the likelihood of liability for false advertising, understanding the intricacies of the law as well as the boundaries is now more critical than ever. Otherwise, it is very likely that advertisers may be subject to increased lawsuits as a result of flogs, deceptive advertisements, and false advertisements on the Internet.

On the other hand, it is also important that consumers who may have been induced to purchase goods or services in light of these flogs or other false advertisements understand that they may have a remedy available. The reality is that consumers, when presented with ads, more often than not click on them and consider them when making a purchasing decision. The resulting harm may warrant a lawsuit. Similarly, the FTC is constantly looking to protect consumers from nefarious advertisements that could harm the public.

Ultimately, improper endorsements, whether from a celebrity or otherwise, unsubstantiated product claims, and other untruthful statements may lead to significant legal and financial exposure. Companies wishing to advertise on the Internet should consult with an Internet attorney that can provide information regarding the use of testimonials, the need for disclosures, and the practices to avoid in order to mitigate the likelihood of a false advertising lawsuit or investigation by the FTC. An advertisement undoubtedly can lead to significant revenue, however, it must be presented in a lawful and proper way in order to ensure that whatever revenue derived will not ultimately be awarded as damages in a lawsuit. Therefore, as tempting as flogs may be to advertisers and consumers alike, truth in advertising remains paramount.

Car Insurance Online – A Quick And Painless Experience!

Consider the following for a second: If you need to find holiday accommodation, where do you start your search? Generally on the internet, right? If you need a contact number of somebody who can do some landscaping design in your back garden, where will you look for such a person? Once more, the internet will be a great place to start! Then why, if we can find anything from flight tickets to plumbers and furniture stores online, can’t we obtain our car insurance online?

For starters, if you are of the opinion that it is impossible to get car insurance online, you must be living under a rock! Or perhaps a far off-galaxy without internet, in which particular case I will need to apologize for my statement.

We are living in the digital era – where letters and faxes have been replaced by e-mail, where waiting in lines at the bank have been replaced by online banking, and where we can even steer clear of going to shopping malls by making our purchases on the net.

Do you remember when the world wide web was just introduced a bit more than 10 years ago? When we were still using dial-up modems at the “ridiculously fast” connection speed of 48 kbps per second? And where the connection dropped at the most annoying times and we had to battle to get back online? Even that is now something of the past and many people have access to high-speed ADSL lines or wireless connections.

Getting back to the subject of insurance though – there are so many resources available online that you can even decide how you would like to obtain your insurance quotes and other information. You can decide on which insurance provider you want to use, log onto their site and contact them directly. Or you can visit one of the numerous insurance portals available. These insurance portals are absolutely brilliant as you only need to complete your details once and you will be provided with up to 5 quotes from various insurance carriers!

Before you log onto the web and start your search for car insurance online, just be sure you have all the required info available. Remember that your car insurance premium would be influenced by a number of factors. This includes how old you are, the type of car you drive, the value of your car, the purpose you mainly use your car for, your preceding claim record etc. Make sure that you have all these info readily available so that there won’t be any waiting times as a result of half completed applications.

Remember that the insurance industry is a very competitive industry. Don’t simply accept the first policy or premium that you’re offered. One must always compare a minimum of between 3 and 5 quotes, even more if possible! Don’t hesitate to compare the prices, but also remember that price is not everything! It is essential to understand how one policy is different from the next and which policy will be the best for your specific requirements (and wallet!)

Finding car insurance online is really not a struggle – don’t delay, get it done today!

Auto Insurance Quotes Online Guide: Important Things to Look for and Consider When Searching

When you are searching for auto insurance quotes online, you’ll have a lot to choose from. You will obviously have to do some research and compare all of the offers before deciding which one will offer you the most for your money.

How do you compare quotes? What do you do with them once you receive them?

First of all, you need to make sure you are using the right site to begin with. There are numerous sites that promise the “best car insurance quotes” but not all of them do. In order to provide you with the best possible offers, you’ll likely need to provide information such as your VIN, driver’s license info, and a few personal details. You shouldn’t have to provide your entire life’s history, however. Don’t use a site that asks for TOO many personal details. You should just be required to give enough so that the site can determine which quotes you will likely qualify for.

After getting auto insurance quotes online, you’ll have to compare them. Just take a few minutes to conduct research on every company that shows up on the results page. Some of the factors to consider include:

• What they offer

• The rates of the insurance

• What the policy covers

• Policy details

• Any additional extras or exclusions

What to Look Out for With Auto Insurance Quotes Online

Be wary of any company that offers a much cheaper rate than the rest. While the best quote comparison sites do work with only reputable companies, you should still do some of the research yourself. If an offer sounds too good to be true, it likely is. Or, if an offer is so much cheaper than the rest, then there is a good chance that particular company has a lot of exclusions.

It’s better to pay more for additional features that you might not need, than to pay less for exclusions that you might need.

The age of the vehicle you are trying to ensure will play a huge role in comparing auto insurance quotes online. For instance, if you have an older car, you might need services such as basic towing, tire changes, emergency jump starts, or even gas delivery. However, if you have a newer car in peak condition, you might not need these services.

Keep in mind that each insurance company has a different way of evaluating various negatives and positives in your profile. With some companies, your credit rating may play a big role in the quotes you receive, while in other companies it won’t matter as much.

So, what is the best site for getting auto insurance quotes online? esurance offers a lot of helpful resources and tools for free to help you not only find quotes, but to purchase the best one for your needs.

FICO Reason Codes Explained

If you really want to improve your credit score, you need to thoroughly examine your credit bureau reports. You could be paying your bills on time, promptly disbursing your credit card dues and in general exhibiting responsible consumer credit behavior. Still, your scores remain at around 650, that is medium risk level and refuse to budge. If you can’t figure out why, open your credit report and take a look at those reason codes.

FICO reason codes are two digit codes used by the 3 major credit reporting agencies to indicate the reason why your score is as low as it is. You get a maximum of 4 codes along with your credit report scores from each of 3 credit bureaus. So, in all you should get about 12 reason codes.

In the past, these reasons were not always revealed to consumers. As a consequence, borrowers were not aware of why they were being refused credit and why their scores were low. Rather it was a well-kept secret. The recognition of the equal right to receive credit prompted the credit reporting agencies, lenders and mortgagers to reveal reasons for refusal of credit and ranking of scores through FICO codes.

The FICO codes give you an idea of why your score is not higher and how to improve it. These codes are accompanied by a succinct explanation. Here are some examples:

09 Too many accounts recently opened

18 Number of accounts with delinquency

21 Amount past due on accounts

22 Time since derogatory public record or collection too short

26 Number of revolving accounts

The order in which these reason codes appear on your credit report is also significant. Generally the one that has affected your credit report score the most appears first followed by the others. These FICO reason codes are based on the aspects that affect credit scores like total amount of debt, available balances, history of past payments, credit history tenure and kind of credit availed.

So, if you’ve been refused credit you don’t have to wonder why or make do with vague explanations from lenders. All you have to do is refer to the FICO reason codes. A credit score above 750 is considered really nice and you get many perks in the form of attractive interest rates, hassle free debt application procedures etc. If you’re stuck in the medium risk category and really want to enhance your scores, the FICO reason codes can be valuable to give you insight on why you’re stuck in a rut.

Cheap Auto Insurance: Tips for Comparing Policies and Finding Discounts on the Right Coverage

When shopping around for car insurance, it’s important to note that price isn’t the only thing that matters. It’s the overall value of each offer that matters. Cheap auto insurance isn’t necessarily the one with the lowest rate – it’s the one that offers everything you truly need at a reasonable rate.

Most states only require that drivers carry liability insurance, which protects others on the road. It won’t, however, cover your own medical bills or vehicle damages should an accident occur. Think of how much money you will lose if you wind up in a bad accident and your car is totaled. Or, even worse, you end up with bad injuries and are unable to continue working.

How are car insurance rates calculated? There are many factors that are considered, including:

• Driving record

• The type of vehicle (model and make)

• How often you use it

• Your age

• City / state

• Credit score

• Whether you have a garage or if you keep your vehicle parked on the street

If you are a student or senior citizen, you’ll be eligible for a discount. In many areas, you can bring the price down by taking a safe driver’s course.

The Importance of Comparing Cheap Auto Insurance

Finding cheap auto insurance involves a lot of comparing. Enter in your details such as location, date of birth, and type of vehicle for which you need insurance into a car insurance shopping site and you will be presented with numerous quotes from different companies. The type of information you have to provide varies from one site to the next.

Do research on each and every one of the insurance companies for which you get a quote. Read over the terms and conditions carefully. Which one offers the type of coverage you know for sure you’ll need? Are there some policies that offer coverage you can do without? If you have an old clunker, for instance, might not even be worth the cost of insuring it with repair coverage.

If you get the option to pay premiums yearly instead of monthly, you’ll definitely want to consider doing so. Most people prefer paying monthly since it allows them to break the insurance up in smaller payments. However, there are often huge discounts available for those who opt to pay once annually. Depending on the insurer, you could potentially save hundreds of dollars a year.

The best place to begin your search for cheap auto insurance is esurance. It offers an online Coverage Counselor tool to help you simplify the process. Use esurance coupons to help you save big on the ideal car insurance policy.

Compare Cheap Car Insurance Quotes Online

The main reason you need to go on the net to rate shop is simple. First, many carriers that market their coverage on-line have direct insurance prices. This means they have a business model that excludes expensive brokers and sell polices directly to consumers. This is good news for money savers like yourself. Usually, you can find direct automobile insurance quotes that are 10% to even 15% lower than calling up an agent. The second reason why you should check web quotes is the ability to compare multiple rates super fast. You can apply at the website, and if you have any questions, a helpful representative is available to assist you anytime.

Before you go and start getting quoted, there are a couple of basic things you need to do beforehand. Get all of your personal and vehicle information together. This means the year, make model of your car and the VIN or vehicle identification number. You’ll also need the name of your current insurer, home address and with some insurers, your license number. Once you have this important info ready to go, getting online car insurance quotes to compare will only take a few minutes.

Don’t Feel Bad About Switching Car Insurance Companies

So many people feel guilty about changing automobile insurers. This is not some legal contract that bounds you to one insurer forever. The truth is, your policy can be canceled by the insurer at any time for many reasons like a DUI offense. So you need to have the same mindset and if you find a lower rate, do not hesitate to switch carriers. After all, you work hard for your money and have the right to change car insurance companies any time you want to. One frequent excuse for not switching; is people falsely believe they won’t get refunded their pre-paid premiums. This is not true at all. If you’ve made a years payment in full on policy and want to switch after six months, you will get a full refund. Try a free online quoting site and if you can save more than $100 per year on coverage, it is probably worth it to change providers.

Remember that comparing car insurance quotes online is totally free and you have no obligation at all to buy a policy. You only need to fill out a few minutes of personal information to get matched with the lowest rates for the type of coverage you need. One quick tip; Always do business with carriers that have a B or higher A.M. Best insurance rating. This is super important because the last things you need is for your auto insurer to go belly up and not be able to pay a claim. Just like in any other industry, insurance firms get badly managed and go out of business all the time. There are lots of sad stories out there of people not getting paid on very serious claims because the insurer went bankrupt.

Here’s What an International Tax Attorney Can Do to Help You Or Your Big Company If You Have One

If you earn money abroad, you might be just as liable to pay taxes as you would be if you actually earned it in your own homeland. It is often difficult to understand the laws and practices which pertain to international tax law, that is why it is a good idea to hire an international tax attorney to help you deal with your taxes. International tax law is something that’s very difficult for people to understand most of the time.

Don’t hesitate and grab advantages of various laws.

If you actually decide to hire an international tax attorney, your chances of taking advantage of many different laws that are always connected with each other, will be much higher. The lawyer will tell you how to get your rebates or get your exemptions, without risking being charged with fraud. He will serve as your adviser when it comes to different sources of your income which you have earned from work in different countries. This will also be available to you, if you are an American living abroad.

Those lawyers will help big companies when it comes to very many various issues such as merging, getting involved with joint ventures, growing the company, creating and signing contracts with companies or dealing with leases.

An international tax attorney is going to be able to help you restructure your company to allow you to enjoy greater tax benefits.

An international tax attorney is going to make sure that you don’t pay your taxes twice, once in your homeland in the ones in the country that you worked in. They will take care of issues related to pricing as well as that’s related things, which can be very difficult day they don’t love foreign law.

With the growth of the Internet, it is normal today to do business all around the world. International tax attorneys are in demand today, and it is not very easy to find good ones. If you find a good tax attorney, make sure to hold on to them, because if you don’t and they are going to be snatched in no time. Many people choose to work outside of the US today, be it for the reasons that the economy is not the best or any other reasons. Whatever the reasons are, tax attorneys are the answers to all your problems.

If it is evident that you are charged with a crime, then a criminal attorney might be the answer to your questions and problems. They will be able to provide you with a plan of action, and will do everything in their power to actually get you out of trouble. They will provide you with all the necessary support that you will need.

What Is Boat Builders Insurance?

“What is Boat Builders Insurance?” I was asked at a networking event recently. Well of course the obvious response would be a rather glib “Insurance for people that build boats” but, thankfully,I took a little time to pause before answering as the answer is, perhaps, not quite as straightforward as one might think.

First of all, we have to ask ourselves “What is a boat builder?” This is important because there are a lot of marine businesses who include that activity in their business description but repair boats rather than actually build them. Similarly there are people who build boats but do not describe themselves as boat builders. For example a shipwright may build or repair vessels – these could either be leisure-craft – what we would normally term a boat – or a larger commercial vessel which we would describe as a ship. We can also add to the mix those craftsmen who restore boats rather than build them from scratch as well as those individuals or businesses that will “fit-out” a shell of a vessel, either for their own use or as part of their commercial activities.

So, Boat Builders Insurance is a specific insurance solution that may form part of a larger insurance programme for individuals or businesses that conduct one or more of the following activities but may not necessarily describe themselves as a boat builder:

• Manufacture or building of leisure-craft and/or some commercial vessels.

• Restoration of vessels such as classic or historic craft.

• Refitting of leisure-craft.

• Boat fit-out.

Whichever of those activities listed above are being conducted the structure of the Boat Builders Insurance solution is a standard format. It will provide specialised cover for physical damage and for third party liability. Let’s have a look at the elements of what the Market terms Builders Risks in turn:

Physical Damage:

Insurance policy wordings will obviously vary from insurer to insurer and should be checked for the precise scope of cover, conditions and exclusions. However, broadly speaking a Boat Builders Insurance Policy will provide “All Risks” cover in respect of physical loss or damage to vessels under construction including hulls and machinery, gear and equipment. It may also, depending on the policy wording, cover any associated moulds and moulding tools. Other cover provided under the Physical Damage part of the cover may include specialised provision for costs such as:

• Repairing or replacing any defective part that is condemned due to discovery of a latent defect during the boat’s construction. Faulty welds, however, would more than likely be excluded.

• The costs of completing the launch of the insured vessel under construction following the failure of a launching operation and the cost of inspecting the bottom of the vessel after a grounding if reasonably incurred specifically for that purpose.

• Loss of or damage to the boat in build due to faulty design of any part or parts of the vessel and the cost of salvage of the boat in build reasonably incurred in preventing or minimising any loss that may be recoverable under the Boat Builders Insurance.

• Loss of or damage to the vessel whilst in transit between the build location and a launch point for sea trials.

The insured values of the vessels under construction will normally be based on the total value of vessels in build at any one time (work in progress if you like) and the maximum value of any single vessel in build.

This would normally be the completion value – i.e. the build or restoration cost – and not the sale value. However, in some cases a boat builder may require payment in instalments at various stages of a build by the beneficial owner of the vessel. Where this happens the sum insured may reflect the payments made by the beneficial owner and, towards the end of the build, will possibly mean the sum insured is higher than the build cost as the interest of the owner should be noted on the policy schedule and certificate.

On higher value builds and refits it may be possible to structure the sum insured (and therefore the premium) around the cost/value of the build at various stages. I arranged cover for one superyacht builder where an initial premium down-payment was made followed by additional premium instalments which were levied at periodical value declarations by the builder.

Third Party Liability:

This part of the cover should cover the legal liabilities of the owner of the boat in build arising from physical loss or damage to third party property and/or death or bodily injuries to third parties whilst the vessel is afloat for the purposes of being worked upon or while underway on sea trials. It should also cover any reasonable costs incurred in removing and disposing of the wreck of the vessel or any neglect or failure to raise or remove the wreck. The limit of indemnity for Third Party Liability will usually be a minimum of £3,000,000 but where higher value vessels are the subject of the insurance then more appropriate indemnity limits should be sourced.

Stand-Alone or Combined Solution?

Individuals who are restoring or fitting-out their own leisure-craft can obtain Builders Risk insurance by way of some leisure-craft insurance policies. Cover would include hull and machinery to an agreed completion value and third party liability too. Individuals should seek advice as to any Employers Liability Insurance requirements that may arise in the event of any work being carried out by subcontractors or volunteers.

Commercial ventures, charities and trusts can include their Builders Risk cover on a combined Marine Trade Insurance policy where cover for their Property, Business Interruption, Public, Products and Employers Liability Insurances could also be placed. Stand-alone options are also available and it is advisable for boat builders to seek advice from a specialist Marine Trades Insurance broker to ensure their insurance programme is correctly aligned to the needs and goals of the business.

Taking Advantage of Local Used Car Dealers

You can’t actually take advantage of your local used car dealers but you can get a better deal from them than from an out of town dealer that you may never visit again. Local used car dealers are in business to sell cars and to make a living selling them. They have a reputation to maintain if they want to continue to sell cars to their neighbors like you. Local used car dealers are owned by men and woman too, that attend city council meetings. They participate in local charity functions. They donate to the Boy Scouts. They are your neighbor.

An out of town used car dealer couldn’t care less where you live or work, other than the fact that you are employed so you can make the car payment. If you buy a used car from them they probably won’t be too concerned if it breaks down on the way home. You are less likely to return to an out of town used car dealer to get repairs done or buy new tires when needed.

This is why you can take advantage of a local used car dealer. Buying local means you are helping keep your local businesses in business so you don’t have to go out of town to make your purchases. The local used car dealer knows this. Because he wants to maintain a good business presence he should be willing to give you a better deal on the car you buy from him. You certainly can remind him of this.

Probably you both have kids that attend the same school or play on the same sports team. So you are already buddies with him or his wife. You may attend the same church. Again an advantage you have when shopping for a used car from him. He certainly doesn’t want to be embarrassed if you tell someone that the car he sold you was a lemon. Nope. He wants you to tell your friends what a good deal he gave you on that used car.

Your local dealer wants you to return to his car lot to have your maintenance done on your new vehicle. He wants you to buy your new tires when you need them from him. He wants to continue to make money from you. And you don’t have to go out of your way to drive past his lot every day. And when you drive by, he wants you to be happy with your purchase.

Do make sure you compare prices before you buy a new used car. If you are forearmed with this knowledge you are in a better bargaining position. Also make sure you know how much that out of town dealer will sell you a used car for. And don’t be afraid to let your local dealer know it. Even thought he is a neighbor you will probably still need to negotiate that final price down. Or at the very least, get some upgrades on the vehicle you buy!

Power of Attorney and Living Trust: Why Do I Need Both?

A Trust and a Power of Attorney for Finances serve two separate, but complimentary functions.

A Power of Attorney for Finances appoints someone to handle your money, property and bills when you are incapacitated. The person nominated should be someone who is good with money and responsible enough to care for your property. The person appointed is called an “attorney-in-fact”, which has nothing to do with being a lawyer. A lawyer is an “attorney at law”. A Power of Attorney for Finances is sometimes called a Durable Power of Attorney. “Durable” means the Power of Attorney remains valid, even if you become incapacitated. There can also be a “power of attorney for healthcare,” that is a separate document and unrelated to your finances. Most lawyers mean a Power of Attorney for Finances when they say “power of attorney.” If they mean the kind that is for healthcare, they generally say so.

A Living Trust can provide greater protection and easier management than relying upon a Power of Attorney alone. Think of a Trust as being a special box into which you place your assets (bank accounts, stocks, your home, rental properties, etc.) The person you appoint to take care of the box is called the “Trustee”. This person is NOT the “Executor”. An Executor is appointed in a Will, approved by a court, and only has authority after you die. A Trustee generally does not need court approval, and can handle things during your lifetime “and” after your death. This is why it is called a “living” trust. It is customary (though not required) to name the same person as Trustee and as attorney-in-fact, so that control of both Trust and non-Trust financial matters are centralized with one person.

Even if you have a Trust, you still need a Power of Attorney because it applies, during your lifetime, to management and control of your property that is “not” in the Trust. Certain property does not get put into your Trust during your lifetime. For example:

  • If you try to title your IRA to your trust, the IRS will treat that as an early withdrawal of the entire account. Your attorney-in-fact can direct IRA investments, contributions and withdrawals.
  • If you’re receiving social security, your right to benefits can only be held personally, not in a Trust. Once a monthly benefit is paid to you, the amount paid can be placed in your Trust, but not prior to payment. Your attorney-in-fact can transfer social security payments into your Trust and access your records with the Social Security Administration.
  • Your attorney-in-fact has authority to prepare and sign your personal tax returns or speak to the I.R.S. about your taxes. Your Trustee does not.
  • Your attorney-in-fact, but not your Trustee, can make Medicare benefits elections and enforce your rights under Medicare.
  • If you forgot to put an asset into your Trust, your attorney-in-fact can make that transfer.

A good estate plan contains both of these important documents, but if you can only have one, choose the Power of Attorney. Without it, your loved ones will need a court ordered conservator or guardian to handle your property. This requires an expense and very public procedure. Whether you choose both documents or one over the other, they should only be prepared with the help of a lawyer. This will ensure that you receive the full benefit of your rights and options, while avoiding unintended consequences.