Do You Wonder If The Social Security Bubble Is About To Burst?

Given how polarized politics is today, and how dysfunctional Washington is in solving problems and getting anything done, one has to wonder if the nation’s issues are never going to be addressed. If you’re worried about retirement, you might even wonder if the Social Security bubble is about to burst. It’s a question heard way too many times by a social security lawyer Nashville.

It’s a cold mathematical truth that the program is putting out more money than it is taking in and eventually is projected to run out of funding. The exact date that is going to happen varies and even moves back and forth based on economic projections and taxes collected. However, it will become a certifiable financial crisis within a generation.

Changes will have to be made to the program, and the uncertainty is certainly causing concern among retirees or those in middle age or looking at their retirement. Fortunately, there is cause for optimism.

Even with the political dysfunction of the capital, there are still certain political truths that hold eternal in American democracy. One of them is that once an entitlement program is rolled out, it’s unlikely to ever die. The current GOP struggles to eliminate the Affordable Care Act, also known informally as Obamacare, prove this point.

Changes to Social Security are inevitable. They could include a reduction of benefits to those who do not really need them and a raising of the retirement ages before benefits are paid out.

There is one fix to Social Security that most politicians quietly acknowledge would fix the system for another generation, but they just haven’t mustered the political will to put into place yet. There’s an income cap on Social Security taxes wherein someone making a million a year pays just as much into the system as someone making two hundred grand. Reversing this regressive tax would fund the system for some time to come, and combined with the political clout of retirees, it’s virtually impossible Social Security is allowed to totally crash and burn.

Can You Sue For Wrongful Death If A Loved One Is On Death Row?

Is your loved one on death row?

This is an experience some can go through, and it can unravel new legal nuances that have to be discussed. One of those details that tend to come up involves suing for wrongful death.

Is there merit to this idea under the legal system? Will it lead to a positive verdict?

I asked my good friend who is a personal injury lawyer Corpus Christi.

State Regulations

Please remember, each state is going to vary when it comes to its regulations. The most important thing a client can do is speak to a lawyer to see what their professional opinion is. It’s best to go to a specialized lawyer with wrongful death cases due to how they are approached.

This will ensure the regulations are adhered to, and the result is a favorable one at the end of proceedings. If not, it can lead to nowhere, and that is the last thing anyone wants when it comes to a wrongful death case.

What Is The Answer?

Can it be fought? This is the question you are asking and hoping to find an answer for.


You can fight against a case such as this on your loved one’s behalf. A wrongful death lawsuit can be drawn up as long as it is done within the boundaries of state regulations. All of these details are discussed with a legal professional to see what the right course of action is.

Once again, you have to make sure it is all based on state regulations and is allowed.

These are details you will be able to uncover relatively quickly as you start to dig deeper into the case and get a legal professional to assist. It is an option to keep in mind with such cases.

How Can You Keep Your Insurance Payments Low After An Injury?

Have your insurance payments skyrocketed after a recent injury? This is a common thing heard by personal injury attorney Kansas City. If you’re struggling to afford your insurance, you should know that you still have options. There are quite a few things that you can do if you want to keep your payments in an affordable range.

Work With An Insurance Agent

If your insurance company isn’t offering you affordable rates, take the time to see what other companies are willing to offer you. While you could obtain quotes on your own, you’ll have a better experience if you work with an insurance agent.

An insurance agent will work on your behalf and negotiate the best rates possible. Teaming up with the right insurance agent could really bring your overall costs down.

Reduce Your Coverage

In some cases, reducing the amount of coverage you have can drastically reduce your payments. While you should make sure you still have the level of coverage that you need, making a few minor cuts could save you a lot.

There are a number of programs that can help people bring down their insurance payments. If you can show your insurance company that you are low risk in spite of your injuries, they will be willing to insure you for less.

Don’t be afraid to talk to your insurance company about your savings options. There is a good chance that they’ll be willing to work with you. See if they are willing to help you bring your current payments down.

If your insurance payments are too high for you to handle, you need to start looking for ways to save. Even if you recently sustained an injury, you have a right to affordable insurance. Utilize the options available to you and see if you can obtain insurance for a better price.

How To Get A Patent Or Trademark: A Simple Guide

Have you created something that you think others would appreciate having? Do you want to patent or trademark something that you have made? By doing so, you are ensuring that you receive the credit and possibly royalties concerning your ideas. Here’s a simple guide put together by a trademark licensing attorney.

First of all, carefully record all the steps you have taken in creating your invention or coming up with your idea. The more detailed this recording, the better.

Then, you have to prove that your invention is worthy of a patent. Does it work? Is it different than other items currently on the market?

After that, you should decide if your invention or idea is worth getting a patent or trademark. If you want to sell what you created and make a profit, it may be worth paying the fees to get your patent.

Once you have decided to seek a patent, you should do a thorough patent search. Search your country and others. And you may find products that are similar to yours, but yours will need to an improvement upon other creations.

Finally, you should apply for your patent or trademark through the USPTO. It is important that your application is honest and thorough. During the application process, you may decide that hiring a lawyer is a good idea to help you accurately complete the proper paperwork.

Should you decide that using a lawyer is the route you want to take, you will want to find legal representation that is able to properly assist you with your needs. Ensure that you find a reputable law office that is properly able to represent you. This means they should know about patent and trademark law and be willing to do what it takes.

What Does Divorce Typically Do To Your Finances?

If you’re planning a divorce, according to a divorce lawyer Tampa, you can expect your assets to be divided up. While you are going through your divorce, part of the settlement will be how these assets get divided up. This is the main reason as to why you hire a lawyer, so they can advocate for you to make sure you can live a financially sound future after your divorce. But there are a few other things to keep in mind:

Financial Impact Largely Depends On State

The financial impact that your divorce will have is largely going to be dependent on the state that you are in. Many states require that all assets accumulated during the divorce are split 50/50. Other states have laws regarding alimony and spousal support. It’s smart to familiarize yourself with the laws in your state.

A Prenuptial Agreement Can Lessen The Financial Impact Of A Divorce

If you and your partner signed a prenuptial agreement, the financial impact of your divorce may not be that severe. A strong prenup can ensure that your assets are protected.

With that said, you shouldn’t necessarily assume that a prenuptial agreement will cover you. Some clauses in prenuptial agreements are not legally binding. Go over your prenup with your lawyer so that you can determine what will hold up in court.

An Amicable Divorce Is Less Likely To Hurt You Financially

You’ll spend less on your divorce if you and your partner part on good terms. Couples that settle their divorce through mediation tend to leave their divorce in good financial standing. See if this might be an option for you.

When you’re going through a divorce, you can’t just concentrate on your feelings. You also need to consider practical things. If you understand what a divorce will do to your finances, you can make sure that you have the money you need in the future.

Do You Know How Businesses Transfer To Children?

If you’re a parent, you experienced the singular joy in life that is conceiving and creating, then raising a child. If you’re like most families, you had more than one. You spent years of your life raising them to be adults and contributing members of society. Yet, even in your waning years, you still want to look out for them. That might include eventually transferring your business or share of a business to them.

What matters a lot here is whether or not you’re still alive, and what state you live in. The rules, regulations, and laws surrounding the transfer of property or business ownership vary more on the municipality and specific state than national or federal statutes. Checking with an Alameda County estate planning attorney, tax attorney, or corporate lawyer is advisable.

If you’re looking to set things up for business transfer to your children upon your death, then a life insurance policy might be a good idea. Some policies can be setup to provide for the child or children to have the funds available to take over your share.

If you’re looking to retire and pass on ownership, then you might actually retain your worth and share of a company, but just instead make them the managing partner or majority shareholder, which is more of an internal matter.

In both cases, if you’re not the only owner of the business, check the bylaws of the company to make sure it’s even technically possible to do so. Also check with other partners or owners of the business to see if they’re okay with it. Even if they don’t have the power to stop it officially, going against their wishes might put your child in difficult circumstances, particularly if they don’t actually want to be a part of the business.

Why Are Estate Taxes This High?

This is a frequently asked question that is constantly posed to estate planning lawyer Staten Island from their clients. Estate Taxes are very complicated and many people don’t realize a few things. Here are some of the myths associated with estate taxes:

Estate Taxes Aren’t As High As They Might Seem

Although estate taxes are high, they’re not necessarily as high as they seem. It’s important to remember that exemptions do exist. One recent plan that was proposed offered an effective exemption of approximately $5 million. If you want to know how these exemptions would apply to you, you should talk to an accountant.

The Majority Of Families Don’t Have To Pay Estate Taxes

There is a good chance that you will never have to pay a single penny in estate taxes. These taxes are designed to target the extremely wealthy. In most cases, no estate tax needs to be paid. If you’re worried about estate taxes, you should know that they may not be a cause for concern.

There Are Many Politicians That Want To Raise Estate Taxes

If you feel that estate taxes are too high right now, you should know that they might become even higher in the future. There are a lot of politicians that want to increase estate taxes. New bills that ask for an increase in estate taxes are proposed all the time. This is clearly a very contentious issue. Not everyone agrees on the estate tax rate.

Hopefully, this information has helped you to understand just why estate taxes are so high and who they impact. If you still have some questions, you should try to seek out additional information. If you’re going to be paying estate taxes in the future, you’re going to want to know how much you can expect to pay.

Understanding Georgia’s Economy

Have you ever driven through a state and wondered where they make their money? This is true with any state, and as you know some states do better than others. There are those that have gorgeous roads and landscaping, while others are just scraping by.

One such state I recently wondered about was the gorgeous state of Georgia. While I knew they more likely made quite a bit of money from agriculture, I wondered what the rest of their economy was built upon. I knew they did not have great beaches nor the tourist attractions that dominate Florida.

I spoke to a car accident attorney Marietta (long story) and I learned that Georgia is one of the leading producers of livestock in the country. In fact, they are the leader when it comes to egg and chicken production. However, they also produce a good portion of the beef cattle, hogs, and milk that helps to keep this country feed and going.

Of course, as you drive through Georgia, you are going to notice the huge amount of farms spread out around the area. While many people know that Georgia supplies the nation with an abundance of peaches, they produce so much more. In fact, some of their leading crops include cotton, peanuts, pecans, tobacco, and corn. You will also find some of the absolute best sweet potatoes in Georgia. Try to find a road side stand and grab some fresh or even a sweet potato pie, and you will make the trip back!

Finally, you will find a good portion of the rest of Georgia’s economy to be dominated by manufacturing. Much of the cotton that is produced in the state is sent directly to many of the local plants helping to keep jobs and money directly in the state. In addition, there are multiple food plants food in the state that package up chicken, corn, and peanut butter.

What Are The Largest Companies In Brooklyn?

According to a car accident attorney Brooklyn, there are a many companies in Brooklyn. But how do you determine the factor for the “largest”? Is it the number of employees? It’s it how much income they make? Or is it how long they’ve been established in the area – making their brand synonymous with Brooklyn?

If you are going by the amount of employees alone, technology companies based in Brooklyn definitely take the cake. The largest technology company is Amplify. It’s an edtech subsidiary of News Corp and currently had more than 1,000 employees, over 500 of which are located in the DUMBO area of Brooklyn.

If you want to talk about sheer revenue, then the online marketplace for art Esty is the clear winner. As of December 31st 2014, Etsy had 54 million users with 1.4 million active sellers and 19.8 million active buyers. In that year Etsy generated $195.6 million in revenue, generating revenue in three ways through its Marketplace (taking a 3.5% service fee), Seller Services (adversiting and promotional items), and Other (third party payment processors).

If you want to determine the largest company in Brooklyn based on regional love, then there’s a bit of a debate. One of the most popular brands in Brooklyn is Bee Raw Honey. It’s 100% natural, unprocessed and unfiltered. If you live in Brooklyn and use honey, chances are you have purchased your honey from here.

Another Brooklyn based brand is Brooklyn Candle Studio. Every Brooklynite buys their candles from this store whether at it’s brick or mortar shop or its online store. You can also purchase their hand poured candles via Etsy. Each candle is made by a mixologist to make sure the fragrance is just right.

Brooklyn is a place where many different cultures and businesses collide. From technology gurus, to online marketplaces, to handcrafted artisan products. To decide which is the largest is just a matter of personal opinion.


Can Car Insurance Companies Profit From Accidents?

At first glance, you may think those car insurance companies either make a lot of money or lose a lot of money, depending on who you ask. Basically, what they do is try to cover a lot of people and weed out those that are most likely to have accidents. There will always be accidents happening, but by doing a better job of filtering they can gain an advantage over other car insurance companies and stay profitable. Here are some of the ways they really earn money, according to a car accident lawyer Irvine.

It’s All About Reducing Costs And Increasing Income

Most car and homeowners insurance companies make very little profit off of that part of their business. However, they make an incredible amount of money from life insurance and other types of add-ons that they offer. For that reason, you’ll notice that your insurance agent never likes to write a low-ball car insurance policy with the lowest coverage and premiums. He’d rather get you to cover extras like towing and road service, stereo coverage, or increase your liability levels because his profit margin goes way up on the extras.

Then, you’ll notice that he’ll start calling you to set up an appointment in order to show you his life insurance plans. One for the wife, another for the husband, and then coverage for the kids as well. This is where the real money is made in car insurance, not from fixing the cars that get wrecked, and not from paying your medical bills when you’re injured but from the premiums you pay on your life insurance.

They also go to great lengths to cut corners on all of the car repairs at the auto body shop that they can. They do this by substituting lower quality fenders and parts whenever possible. There really is no way for them to profit from car accidents but by saving money they can earn more.

If you have questions regarding your auto insurance you should start by contacting your agent. Most of them are honest enough to tell you exactly where the profit is made in the industry and it’s not from car or homeowners insurance at all.