Good Law Guide

Many Americans feel that Marijuana is helping fund the war on terror, but making a war on drugs and keeping Marijuana illegal has not stopped millions of Americans from smoking pot everyday. So what is the answer?

First, why is Marijuana illegal? In the 1930’s William Randolph Hearst, who had significant financial interests in the timber industry testified to congress on the evils of marijuana, saying things like it make people insane and commit acts of cannibalism? at this time very few even knew what it was and to stop people from going insane Congress decided to make it illegal.

The truth is many paper manufacturers were thinking of changing from using trees to make paper to using hemp because it was cheaper and easier to grow and better for the environment, and Hearst stood to loose millions so he used his influence and testimony to help get marijuana banned in the USA.

So now that we know why it was made illegal, we can realize that not only would making it legal in the United States stop terrorist from smuggling it into the USA, but would give us another option to cutting down of millions of trees every year for paper products that can be made better from hemp.

Hemp has thousands of uses that we are unable to exploit because of its illegal status.

During WWII hemp was used for the rigging on parachutes as well as rope and material for uniforms.

Nowadays Marijuana can be used to relieve pain and some of the effect of cancer treatments and old age.

It has been proven to slow down the spreading of Alzheimer’s, relieve the pressure behind the eyes from glaucoma. It also helps relieve migraine headaches and the side effect of cancer treatment.

But until the United States realizes how much money can be made from legalizing it, it will remain illegal.

This is much like the situation with online casinos in the USA. America was sending billions of dollars out of the country and the government needed to do something to keep the money here, so they banned Online Casino and just like online casinos and online gambling I believe one day the government will learn to take advantage of these things instead of just banning them.

Eventually the USA will realize that the best way to stop the flow of money out of the country is not to ban marijuana or online casinos, but to enter the market and compete.

If the USA did what Amsterdam has done the government would make not only billions in Taxes from the sales of Marijuana, but the economy would boom from all the tourism that it would bring in from all over the world.

The truth of the matter is that legalization is inevitable. The attitude of people has changed so drastically over the last 30 years, that eventually when the younger generations start to take over marijuana will eventually become legal because they understand the truth, and that is banning something only makes the market for it stronger.

We are likely to need legal help at least once a year, yet most of us do
not actively seek legal help.

This is borne out of data from a survey
conducted by Leo J. Shapiro & Associates, on behalf of the American Bar
Associations Section of Litigation, which shows that close to three
quarters of American adults experience some event during a twelve-month
period that may require the services of a lawyer. Over half of those who
needed an attorney chose not to hire one, and close to 80% of those yet to
experience legal problems gave strong indications they might go down the
same route.

Why all the doom and gloom? Price is the most sticking point
for most consumers. When it comes to hiring a lawyer, hourly fees of $100
up to $1000 are out of reach of most peoples budget. And then comes the
trepidation of searching for a good attorney and the right service: there
is a lot of uncertainty and confusion as what a lawyer will do, and how to
tell the good from the bad.

A legal plan may solve these problems and change the way you think of legal
services. Thanks to this arrangement, you can now talk to a lawyer whenever
you have a problem, without fear this will leave you out of pocket. In
fact, you dont even need to be embroiled in a legal problem to get legal
advice: just pick up the phone, call your attorney and get the necessary
legal advice susceptible of resolving any potential problems with
professional legal advice and follow-up, you can prevent ninety percent of
your legal questions becoming legal problems. Basic services such as the
drafting of your will, review of sample health contracts and writing
letters on your behalf are handled at no cost to you. If you want further
coverage to include family problems, such as a divorce or custody of
children, and any legal representation in court, then you simply pay a
premium and get more inclusive coverage.

Even if your plan doesnt cover complex legal matters, it can still save
you money on those sky-high attorney fees. Discounts of up to 20% are
offered on hourly and flat rates. Ultimately, its not all down to how much
you can save. Having an attorney readily available at all times gives you
peace of mind, in the knowledge that there is someone you can use on
retainer for advice and help on anything of legal nature.

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The Department of Homeland Security issued a new workplace regulation today, imposing penalties on employers who knowingly hire those who cannot legally work in the U.S.

Called the “No-Match” regulation, it gives companies 90 days to verify a hire’s identity and eligibility to work if an employee’s Social Security number doesn’t match information in the Social Security Administration’s database. Companies who do not fire workers who cannot provide proper documentation in that timeframe risk fines as high as $10,000 for each of these employees, if it can be proved that the firms knowingly flouted the law.

This regulation could be problematic for small businesses, which often lack the human resources staff and immigration expertise to review documents and ensure their authenticity, say some advocates. “They aren’t in the document-review business, and some fraudulent documents look pretty legitimate,” says Karen Harned, executive director of the National Federation of Independent Businesses Legal Foundation, a Washington, D.C. based lobbying group. Sometimes, an employee’s records might not match the government’s because of a perfectly legal name change or a clerical error, and a company that acts too hastily might end up on the fast track to a discrimination lawsuit, she adds.

Some business owners say they are being proactive about asking for proper paperwork but worry that these efforts may not be fail-safe. “We do our best to look at documentation to the best of our ability,” says Jim Balmain, owner of Smith’s Bakeries, which generates $3.5 million annually with 55 workers at seven locations in Bakersfield, Calif. “But if employees have something phony we can’t catch because it’s a high-quality forgery, I don’t think we should be penalized. I’m having lunch with my Congressman at the end of the month to discuss it.”

Over 100 million Americans are signed up for pre-paid legal services. Also
called legal insurance, these plans are similar to those provided by Health
Maintenance Organizations (HMOs) and cover the legal needs of the member,
spouse and any dependent children.

In a prepaid legal service plan, the customer pays a fixed monthly
subscription fee of up to $25 for the services of pre-selected lawyers.
The most basic plans provide advice and consultation by telephone. Plan
members receive a few hours of free office consultation with their assigned
attorney. They may also include review and advice on simple legal documents,
preparation, drafting or an update of a simple will. Phone calls and letters
can be written on behalf of members, a service helpful for credit problems
and consumer protection.
More comprehensive plans cover clients personal legal needs ranging from
services that require more time and effort on the part of your attorney,
such as contracts, wills and deeds, to legal representation in negotiations
and courts cases related to family matters, bankruptcy and real estate
issues.

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A legal procedure, in which some portion of a persons earning is required to be withheld by an employee for the payment of the debt, is called as wage garnishment. Most of these garnishments are made by court orders. There are some other legal procedures also which include IRS levies or state tax collection agency levies. They levy for the taxes, which are unpaid.

There are assignments in which the employees voluntarily agree that their employers will deposit a particular specified amount of their earnings to their creditor. But in the case of wage garnishment this voluntary assignment does not work.

Title III of Consumer Credit Protection Act says that person has his pay garnished for only one debt then the Act limits the amount of that employees earning that may be garnished. It even protects the employee from being fired also. If any garnished controversy in wage garnishment is arises, then the query solution part has to be taken directly to the court or the agency initiating that withholds the action. In the case of wage garnishment, Wage and the House Division, which administers the Title III Act cannot do anything.

The Garnishment law protects everyone from receiving their personal earnings like pensions, salaries, commissions, wages, bonus, etc. this law implies in all the 50 states. Wage garnishment is not prohibited if an employees earnings are garnished for or more debts.

There are some restrictions also on wage garnishment. The amount of pay subject to wage garnishment is based on the employees disposable earnings which includes federal state and local taxes and the share of employee in State unemployment Insurance and social security. These disposable earnings for wage garnishment under the CCPA many deductions are not made from the employees gross earnings such as voluntary wage assignments, union dues, health and life insurance, savings bonds purchased, payments made for payroll advances, contributions to charitable causes. Only the retirement plan contributions are deducted and that too only those which are required by the law.

For wage garnishment, the garnishment law sets the maximum amount that can be garnished from a person in a particular pay period. During the fixing of the amount, the law does not consider the member of garnishment orders received by the employer. In case of ordinary wage garnishment, which does not include bankruptcy etc., the amount of garnishment in a week may not exceed the lesser of the two figures. The garnishment amount maybe 25% of the disposable earning of the employee or the amount by which his disposable earnings are greater than 30 times the federal minimum wages. Of the pay period is weekly and the disposable earnings are lesser than the amount calculated through the federal minimum wage, then the garnishment cannot be done. A maximum of 25% can be garnished. The law for wage garnishment specifies that the restriction on garnishment does not apply to certain cases where the bankruptcy court order is issued or there are outstanding debts for the federal or state taxes.

Wage garnishment is the last option that an employer goes for. When all the other options for settling the due debts exhaust, then the employer opts for wage garnishment. Most of the wage garnishment requires a court order and even in that they are required to notify the worker 20 days before the garnishment goes into the effect.

If someone ignores the IRS, then wages are the first place that goes in for garnishment. It is not only the IRS but also the state government; private creditors or even an ex-spouse seeking alimony can go in for garnishment. The government creditors can garnish more than the paychecks. But the Title III of the Credit Consumer Protection Act limits the amount of wage garnishment from the workers paycheck. This facility leaves an employee with some income and at the same time creditor also get paid up regularly also prevents the creditor to speed up the recovery procedure.

Many people believe they need the services of a lawyer, under a pre-paid
legal service scheme, to solve a legal problem or resolve an intricate
situation. Often, your lawyers most valuable help could be before you
get involved in legal trouble.

When you sign up for a pre-paid legal plan, you have the right to unlimited
toll-free telephone access to your attorney. The sound advice and
consultation given to you by your lawyer will help you take the necessary
steps to detect and resolve any potential legal problems before they take
more dangerous proportions. This is called in legal jargon therapeutic
jurisprudence or preventive law. Just as preventive medicine helps
prevent disease by detecting their symptoms, preventive law helps prevent
serious legal consequences by detecting early problems. In an increasingly
litigious society, there is real concern that assets you have worked long
and hard to accumulate may be attacked by creditors and litigants, through
no fault of your own. By the time a potential claim or liability is
identified, it is too late to act.
A competent attorneys advice is your best option to minimize your exposure
to potential risks and protect yourself from legal problems getting out of
hand.

PP

Are you enrolled in a pre-paid legal plan and worried your provider is
simply tallying up your tab for a service youll never get to use? Read on
as we explain the chances of using pre-paid legal services in legal
challenges you may be faced with.

In their lifetime, people are most likely to use legal services that fall
into four categories: civil defence, civil plaintiffs, criminal defence and
legal help that involves a variety of transactional or business law.

Your liability insurances already covers you for the legal pertaining to
civil defence. Your insurer hires the lawyer who will defend you and have
every incentive to defend your well since they are the ones who bear your
legal costs irrespective of the final outcome. In that respect, you already
have pre-paid legal coverage in place and a legal plan wouldnt add much
to the coverage.

Civil plaintiff attorneys in the Unites States work on a no win no fee
basis. This means that they will not charge you unless they win you damages
in an insurance claim or lawsuit against someone who caused you physical
injury. Their contingency fees are calculated as a commission on any
money won, so there is every incentive for your plaintiff lawyer to defend
you and defend you well: the more you win, the more he wins. There is no
need to pre-pay for a service where you stand to lose nothing, and where
advice is readily available to you from plaintiff lawyers eager to work on
your case.

On the rare occasion you need to bring criminal charges if youre involved
in a serious accident or defend yourself against criminal charges brought
against you, lining up a lawyer to represent you in advance is not the best
of decisions. In these situations, client-lawyer rapport is crucial: you
need someone whom you trust, build a rapport with and competent enough to
defend you in a court of law. You rarely get the chance to talk to your
attorney face-to-face in a pre-paid legal plan, and most of the attorneys
in the network do not do criminal defence work.

Transactional and business law is the area where you will most probably
find pre-paid legal services most effective. If you frequently need to
someone to draft your wills, review simple contracts and set up advance
health-directives or simply want competent legal advice at your disposal,
then going pre-paid will save you the trouble of searching for an attorney
and paying a la carte.

Offshore Legal is situated in Panama and overseas. They offer offshore bank accounts, offshore foundations, Asset protection and Offshore Corporation. You can create a Panama Bank account in 3-5 days.

The documents required for the bank account are Bank reference letter, notarized copy of passport, notarized copy of drivers license, reference letter from the accountant, business or lawyer in general.

Panama bank accounts protects its customers by strong bank secrecy, which can call a person for fines, prison and also a person can sue the bank for violations of any kind. Panama bank account can either be in Euros or US dollars. You can also get your Mastercard, Visa card or an ATM card. There is an easy option for online banking with international wire transfer sending capabilities along with statements and balance history. The minimum deposit required at the Panama bank is around 1000 US dollars. US and Canadian passport holders must have foundation or corporate bank accounts and no personal accounts. The corporate accounts can be opened by using existing corporations from some jurisdiction based corporation.

Panama offshore bank is world wide and so there are banks that operate in Panama and there are also banks that operate world wide, the bank sees to suit the preference of customers. Banks with global presence, you should know that the banking entity in Panama would be a separate banking corporation.

Offshore packages include, Panama bank account starting at 695 US dollars with online banking, ATM card, large bank with billions of dollars under management. Panama bearer Share Corporation and bank account starts at 1795 US dollars or 1495 US dollars without a bank account that includes, Resident agent and expenses, the Power of attorney, three nominee directors with, annual tax, resignation letters, register book, corporate resolution, share certificates, translation, transfer of subscription and articles of incorporation. Caution can be taken by those offering cheaper prices; they usually exclude the three nominee director or the annual tax of 300 US dollars. This can be a scam where one corporation can be sold to more than one person at once.

Panama Foundation with bank account usually is 1795 US dollars and that include secret beneficiary wishes letter, one of their attorneys, foundation protector agreement, registered agent, translation, resolution from nominee, council members to open a bank account, Power of attorney and three nominee council members.

Panama foundation owning a corporation with 2 bank accounts of around 3300 US dollars and they offer Layered banking secrecy this is a bullet proof package, it is completely anonymous.

The last is the Stock trading account which is 495 US dollars and it allows your money to grow in an offshore tax haven which is fully protected.

There are benefits offered by Panama offshore bank, right inquiries have to be made so that you are not scammed and you get the best of the bank account that you decide to have.

Mortgage Advice: Home Equity Loans Can Finance an Investment Properties and Second Homes

The idea of owning investment real estate seems to be gaining popularity as investors are getting tired of the unreliable stock market. Many investors feel confident with real estate as a place to secure their future, believing that overall it will outperform cash, fixed interest deposits and other investments, particularly for the medium to long term. Second homes account for a full 40% of all homes sold in America. According to a recent annual report by the National Association of Realtors (NAR), 27.7% of all homes purchased in 2005 were investment properties and 12.2% were vacation homes.

If you are considering either an investment in income producing real estate or a vacation home, it is generally better to cash out the equity in your home rather than to move cash from other investments which are doing well for you. If you’ve been paying on your mortgage for more than five years and the interest rate is below market rate, a home equity loan would probably work better for you than a mortgage refinance. And, a home equity line of credit (HELOC) could be your best answer for your second home purchase or other real estate investment.

There are generally no closing costs with HELOCs, as opposed to home equity installment loans (HEILs). HELOCs typically have a lower interest rate than credit cards or installment loans, and they offer a lot of flexibility in features and payback options, including:

Interest-only loan payment option (based on prime rate1 + a fixed margin).
Choose to pay only the minimum, or pay down your balance and have it available for you to use again and again for on-going maintenance of the property.
10, 15, or 25-year terms available with the option to extend the equity line of credit, rather than having to apply for a new loan, if there is still an account balance at the end of the loan term.
Borrow up to 100% of property value and pay interest on only the amount you use.
Lines of credit from $20,000 up to $250,000.

A property portfolio can provide healthy long-term capital gains, appreciating assets and cash flow from rent to add to your retirement income. In addition, the interest paid on a home equity line of credit is generally fully deductible (up to a maximum of $100,000), provided the loan does not exceed the fair market value less the outstanding mortgage.

1 Prime rate is the rate published each day in The Wall Street Journal (but not the Weekend Edition of The Wall Street Journal).