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Will You Add? - Choosing a Lawyer: Avoiding the Pitfalls and Selecting the Right Lawyer for Your Needs
The Business of Water and Droughts r instincts and go elsewhere.Water is big business? No, it is a huge business. The business of water and droughts is alive and well. Currently we see pipeline for water being build, retention basins, damns, Desalination Plants and water rights being bought up by billionaires. In my professional life, I was involved with the car washing industry and we always kept up on droughts, water restrictions and water supplies. I can remember not to long ago when California car washes battled consumer backlash to price increases of up to five dollars by Oct. of 2000, due to water. Soon everyone was worried that water rationing might cause another tripling affect if increased water prices occurred.States such as Texas are having people buy up water rights and talking about a sliding scale of $800 per acre-foot Questions to Ask: Many questions arise from the nature of your legal problem, others from the nature of the profession. If you are trying to incorporate your business, for example, you will need answers to different questions that if you are accused of drunk driving. But there are some questions that all clients will need to know. And you should not hire someone to act as your lawyer without asking questions—and getting answers—on a number of important, if ordinary topics: • Fees—that is, how much the attorney will charge for his services • Costs—that is, how many “other fees” you are likely to be billed for, such as mileage, photocopying, legal filing fees, and the like. • The precise limits of the lawyer’s duties—and what, if any, responsibilities you will have during the course of the representation. • Whether the attorney will be handling your case personally...or giving it to an associate after you leave the office. • And last, but not least—whether they have every been disciplined by the state bar ass Student Loan Consolidation Rates Set to Increase on July 1 Most people who need legal help are not trained legal professionals, and may have little real knowledge of the law. This makes finding the right lawyer much like rolling the dice. You can take your chances and hope for the best, but you may not know the result until it is too late to change your mind.Congress voted on and passed Feb. 1 the Deficit Reduction Act of 2005 that included massive cuts to federal student loan programs. The $11.9 billion in student loan cuts, including changes in laws regarding student loan consolidation, will negatively impact those students seeking a college education and others seeking to consolidate their higher interest loans. The industry expects a rush of students seeking to consolidate at the current low rates that are set to increase on July 1.The Deficit Reduction Act of 2005, S. 1932, was narrowly approved Feb. 1 by the House of Representatives. Passing by a two-vote margin of 216-214, S. 1932 was signed into public law Feb. 8 by President Bush, thereby approving the $11.9 billion in student loan cuts over the next five years. Other lawyers can usually tell if an attorney is sensible and competent, or one step away from disbarment. Unfortunately, investing in a law school education is not a practical way for most people to go about selecting the right lawyer. There are, however, a number of things you can look for to tell if the attorney sitting across the table will be able to help solve whatever problem you may have, or whether you should run away screaming, and never look back: Professionalism Regardless of the trade or profession, you usually know when you meet true professionals. They are completely at ease in their environment; they act in a way that seems natural and appropriate; and they exude a quiet confidence. Lawyers are no different, and the professionalism they exhibit should instill a sense of trust in their abilities and judgment. They should be polished and personable, and proud of their accomplishments, but not arrogant or condescending. Their questions should be directed to making you feel at ease, yet thorough enough to convey the sense that they are deadly serious when it comes to your legal business, and will be leaving nothing to chance. Above all, they should be more interested in finding a sensible solution to your particular problem than in finding someone to blame for it. Well-spoken Part of every lawyer’s job is communicating—either explaining options and risks to the client, or persuading a judge or adversary of the merits of a case. They should be well-spoken, and willing to communicate effectively on your level. Lawyers who hide behind legal jargon may be quite competent, but they may also be hiding their incompetence behind a lot of words that non-lawyers and other normal people would never use in ordinary conversation. If a lawyer cannot explain legal concepts to you in language that you can readily understand, it is likely that he does not understand it very well, himself. Lawyers often need to use jargon in court, when dealing with other judges or other lawyers; there is rarely a need to do so with a client. Experienced Besides being professional and articulate, be sure to pick a lawyer with experience in the field for which you need the help. Some states have specialty certification programs; others do not. But unless your problem is routine paper-processing, an attorney who lacks experience in the field will have a poor feel for the nuances and subtleties of a problem, and may cause avoidable complications while trying to resolve things to your satisfaction. A brilliant securities lawyer is likely to founder if called upon to defend a murder case; by contrast, the best courtroom defense lawyer is likely to be lost if called upon to handle a tax matter in front of the IRS. You should also find out about the lawyer’s professional credentials, especially if your prospective attorney does not bring it up himself during conversation. Lawyers are bound by attorney-client privilege not to reveal anything about the legal affairs of another client. That does not prevent them from telling you about other cases they have worked on, or about their professional background. Remember, though, that the law school they attended is usually less important than the kind of work they have done since. After all, very fine lawyers come from every law school in the country, and Yale and Harvard have produced their share of fools. Attending Harvard assures you that they got good grades in college, and are very bright. It says nothing about their professional ethics, and is no guarantee that they have an ounce of common sense. Comfortable Trust is critical to a good attorney-client relationship. Yet your level of “comfort” with an attorney will be highly subjective...and quite possibly very unfair to the lawyer. Still, most people have good instincts about others. If you don’t trust him, you should not entrust him with your legal affairs. And if something about him or his practice strikes you as not quite right, you should probably trust your instincts and go elsewhere. Questions to Ask: Many questions arise from the nature of your legal problem, others from the nature of the profession. If you are trying to incorporate your business, for example, you will need answers to different questions that if you are accused of drunk driving. But there are some questions that all clients will need to know. And you should not hire someone to act as your lawyer without asking questions—and getting answers—on a number of important, if ordinary topics: • Fees—that is, how much the attorney will charge for his services • Costs—that is, how many “other fees” you are likely to be billed for, such as mileage, photocopying, legal filing fees, and the like. • The precise limits of the lawyer’s duties—and what, if any, responsibilities you will have during the course of the representation. • Whether the attorney will be handling your case personally...or giving it to an associate after you leave the office. • And last, but not least—whether they have every been disciplined by the state bar asso Airline Credit Card - Who Needs Them? uld instill a sense of trust in their abilities and judgment. They should be polished and personable, and proud of their accomplishments, but not arrogant or condescending. Their questions should be directed to making you feel at ease, yet thorough enough to convey the sense that they are deadly serious when it comes to your legal business, and will be leaving nothing to chance. Above all, they should be more interested in finding a sensible solution to your particular problem than in finding someone to blame for it.An airline credit card is one which rewards purchases with air travel miles or points which can be redeemed for them. Airline credit cards ideally fit a certain user profile. Typically users of airline cards are financially well off and travel frequently. But who else needs them?Ideal Airline Credit Card User ChecklistBefore deciding to go for an airline credit card you should check your credit history. If it is perfect or almost perfect, you can check off one of the requirements of the ideal airline credit card user checklist. If you pay your credit card debt on time, you fulfill the second requirement of the checklist. It is also important that your debts on other credit cards and other bills are paid one time. You are a big spender, and spend it through your a Well-spoken Part of every lawyer’s job is communicating—either explaining options and risks to the client, or persuading a judge or adversary of the merits of a case. They should be well-spoken, and willing to communicate effectively on your level. Lawyers who hide behind legal jargon may be quite competent, but they may also be hiding their incompetence behind a lot of words that non-lawyers and other normal people would never use in ordinary conversation. If a lawyer cannot explain legal concepts to you in language that you can readily understand, it is likely that he does not understand it very well, himself. Lawyers often need to use jargon in court, when dealing with other judges or other lawyers; there is rarely a need to do so with a client. Experienced Besides being professional and articulate, be sure to pick a lawyer with experience in the field for which you need the help. Some states have specialty certification programs; others do not. But unless your problem is routine paper-processing, an attorney who lacks experience in the field will have a poor feel for the nuances and subtleties of a problem, and may cause avoidable complications while trying to resolve things to your satisfaction. A brilliant securities lawyer is likely to founder if called upon to defend a murder case; by contrast, the best courtroom defense lawyer is likely to be lost if called upon to handle a tax matter in front of the IRS. You should also find out about the lawyer’s professional credentials, especially if your prospective attorney does not bring it up himself during conversation. Lawyers are bound by attorney-client privilege not to reveal anything about the legal affairs of another client. That does not prevent them from telling you about other cases they have worked on, or about their professional background. Remember, though, that the law school they attended is usually less important than the kind of work they have done since. After all, very fine lawyers come from every law school in the country, and Yale and Harvard have produced their share of fools. Attending Harvard assures you that they got good grades in college, and are very bright. It says nothing about their professional ethics, and is no guarantee that they have an ounce of common sense. Comfortable Trust is critical to a good attorney-client relationship. Yet your level of “comfort” with an attorney will be highly subjective...and quite possibly very unfair to the lawyer. Still, most people have good instincts about others. If you don’t trust him, you should not entrust him with your legal affairs. And if something about him or his practice strikes you as not quite right, you should probably trust your instincts and go elsewhere. Questions to Ask: Many questions arise from the nature of your legal problem, others from the nature of the profession. If you are trying to incorporate your business, for example, you will need answers to different questions that if you are accused of drunk driving. But there are some questions that all clients will need to know. And you should not hire someone to act as your lawyer without asking questions—and getting answers—on a number of important, if ordinary topics: • Fees—that is, how much the attorney will charge for his services • Costs—that is, how many “other fees” you are likely to be billed for, such as mileage, photocopying, legal filing fees, and the like. • The precise limits of the lawyer’s duties—and what, if any, responsibilities you will have during the course of the representation. • Whether the attorney will be handling your case personally...or giving it to an associate after you leave the office. • And last, but not least—whether they have every been disciplined by the state bar ass Hedge Fund Advisers Will Continue to Register Despite Court Decision to Strike Down SEC Rule it is likely that he does not understand it very well, himself. Lawyers often need to use jargon in court, when dealing with other judges or other lawyers; there is rarely a need to do so with a client.Small, independent hedge funds were given a boost on Friday by a favorable court decision that struck down a controversial rule requiring hedge funds to register with the Securities and Exchange Commission. Notwithstanding the decision, many fund advisers are expected to continue to register voluntarily in order to attract and retain institutional investors.In 2004, the SEC amended one of the key exemptions fund advisers relied on to avoid registration with the SEC as an investment adviser. Previously, fund managers with fewer than 15 clients were not required to register as an investment adviser. Under the old rule, each fund the adviser managed was considered a "client", regardless of the number of individual investors in the fund. In most cases, managers that advis Experienced Besides being professional and articulate, be sure to pick a lawyer with experience in the field for which you need the help. Some states have specialty certification programs; others do not. But unless your problem is routine paper-processing, an attorney who lacks experience in the field will have a poor feel for the nuances and subtleties of a problem, and may cause avoidable complications while trying to resolve things to your satisfaction. A brilliant securities lawyer is likely to founder if called upon to defend a murder case; by contrast, the best courtroom defense lawyer is likely to be lost if called upon to handle a tax matter in front of the IRS. You should also find out about the lawyer’s professional credentials, especially if your prospective attorney does not bring it up himself during conversation. Lawyers are bound by attorney-client privilege not to reveal anything about the legal affairs of another client. That does not prevent them from telling you about other cases they have worked on, or about their professional background. Remember, though, that the law school they attended is usually less important than the kind of work they have done since. After all, very fine lawyers come from every law school in the country, and Yale and Harvard have produced their share of fools. Attending Harvard assures you that they got good grades in college, and are very bright. It says nothing about their professional ethics, and is no guarantee that they have an ounce of common sense. Comfortable Trust is critical to a good attorney-client relationship. Yet your level of “comfort” with an attorney will be highly subjective...and quite possibly very unfair to the lawyer. Still, most people have good instincts about others. If you don’t trust him, you should not entrust him with your legal affairs. And if something about him or his practice strikes you as not quite right, you should probably trust your instincts and go elsewhere. Questions to Ask: Many questions arise from the nature of your legal problem, others from the nature of the profession. If you are trying to incorporate your business, for example, you will need answers to different questions that if you are accused of drunk driving. But there are some questions that all clients will need to know. And you should not hire someone to act as your lawyer without asking questions—and getting answers—on a number of important, if ordinary topics: • Fees—that is, how much the attorney will charge for his services • Costs—that is, how many “other fees” you are likely to be billed for, such as mileage, photocopying, legal filing fees, and the like. • The precise limits of the lawyer’s duties—and what, if any, responsibilities you will have during the course of the representation. • Whether the attorney will be handling your case personally...or giving it to an associate after you leave the office. • And last, but not least—whether they have every been disciplined by the state bar ass Target Marketing - What Are You Aiming For? client privilege not to reveal anything about the legal affairs of another client. That does not prevent them from telling you about other cases they have worked on, or about their professional background. Remember, though, that the law school they attended is usually less important than the kind of work they have done since. After all, very fine lawyers come from every law school in the country, and Yale and Harvard have produced their share of fools. Attending Harvard assures you that they got good grades in college, and are very bright. It says nothing about their professional ethics, and is no guarantee that they have an ounce of common sense.Is Advertising Viable?At the turn of the 20th century, department store magnate J.C. Penney acknowledged, “Fifty percent of my advertising doesn’t work.” When questioned why he continued to do it all, he replied, “Because I don’t know which half isn’t working.”Over the course of the last century, most traditional advertisers accepted this situation as a reality that had to be put up with. The result has been that many organisations now develop marketing strategies based on the objective of “branding,” with the hope that brand recognition will attract customers.Today it is only really viable for large organisations with huge advertising budgets to use this style of marketing, which is dependent of two factors; frequency and reach. Both the Comfortable Trust is critical to a good attorney-client relationship. Yet your level of “comfort” with an attorney will be highly subjective...and quite possibly very unfair to the lawyer. Still, most people have good instincts about others. If you don’t trust him, you should not entrust him with your legal affairs. And if something about him or his practice strikes you as not quite right, you should probably trust your instincts and go elsewhere. Questions to Ask: Many questions arise from the nature of your legal problem, others from the nature of the profession. If you are trying to incorporate your business, for example, you will need answers to different questions that if you are accused of drunk driving. But there are some questions that all clients will need to know. And you should not hire someone to act as your lawyer without asking questions—and getting answers—on a number of important, if ordinary topics: • Fees—that is, how much the attorney will charge for his services • Costs—that is, how many “other fees” you are likely to be billed for, such as mileage, photocopying, legal filing fees, and the like. • The precise limits of the lawyer’s duties—and what, if any, responsibilities you will have during the course of the representation. • Whether the attorney will be handling your case personally...or giving it to an associate after you leave the office. • And last, but not least—whether they have every been disciplined by the state bar ass Show Me The Money - What Your Business Plan Must Include r instincts and go elsewhere.You’ve got your business idea, got the time to start the new business and your entrepreneur spirit is fired up but you need money and are off to the bank or a friendly angel investor with your business plan. Wait before you do, make sure that you have included this information.Business Models and Strategies: Ensure that your business is well structured and follows a recognized business model. Ensure that your business strategy for the next 3-5 years are well defined. This gives a potential investor confidence in your business ability and structure.Market Research: You must fully demonstrate that you have a detailed understanding of the market you will be selling to. How big it is, what the trends are and the people who will want to buy f Questions to Ask: Many questions arise from the nature of your legal problem, others from the nature of the profession. If you are trying to incorporate your business, for example, you will need answers to different questions that if you are accused of drunk driving. But there are some questions that all clients will need to know. And you should not hire someone to act as your lawyer without asking questions—and getting answers—on a number of important, if ordinary topics: • Fees—that is, how much the attorney will charge for his services • Costs—that is, how many “other fees” you are likely to be billed for, such as mileage, photocopying, legal filing fees, and the like. • The precise limits of the lawyer’s duties—and what, if any, responsibilities you will have during the course of the representation. • Whether the attorney will be handling your case personally...or giving it to an associate after you leave the office. • And last, but not least—whether they have every been disciplined by the state bar association. There is no sure-fire method for selecting legal counsel. The decision often depends on many intangible factors that vary from person to person, and case to case. But that is probably as it should be, for the decision to hire a lawyer is intensely personal. You are trusting the attorney with your legal affairs, which may involve some of the most intimate aspects of your life. In the end, you should devote at least as much attention to picking the right lawyer as you would to picking out the right car. You can, after all, ride around quite nicely in a car that is not quite the color you wanted, or has less trim that you would have preferred. But entrusting your affairs to the wrong lawyer can prove disastrous to your legal well-being...and quite expensive, besides.
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