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Homeowners Beware of DIY Home Repair Dangers - 23 Dec 2016 15:29


[[html]]In this economy, "do-it-yourself" home repairs have never sounded so good, and penny pinchers across the country are rolling up their sleeves, opening their toolboxes, and tackling home projects.<br><br>With the help of the Internet, TV advice shows, and some basic tools, you may wonder if you need a professional at all.<br><br>But "do-it-yourself" isn't always as easy as it may seem.<br><br>Cathy and Will Huiras of Fishers, Ind., thought moving their stereo cabinet from one place on their wall to another would be simple.<br><br>null<br><br>"We thought we had found a stud in the wall and unfortunately, we drilled into a copper pipe," Cathy said. "At the <a href="">Resources</a> time, it didn't produce any water. We thought we were safe."<br><br>Several months later, however, the water finally appeared, in little puddles on the carpet.<br><br>Will Huiras said a large area of their living room was affected by the water.<br><br>"The dry wall had to come out," he said. "The paint bubbled and we had to peel all the paint off the wall and peel off the old, wet, sticky dry wall."<br><br>"It turned out to be quite a horrific day," Cathy said. "We turned the water off but water was still squirting out. The carpet was a mess. It was quite an ordeal."<br><br>After hiring pros to fix the pipe and install new dry wall, the couple was out close to $500.<br><br>Despite horror stories like that, other happy homeowners are still picking <a href="">More hints</a> up their hammers.<br><br>In a recent Time magazine poll, 36 percent of people said they are spending less on home improvements, but 23 percent said they are doing more home repairs themselves rather than hiring help.<br><br>The argument for going with the pros isn't just about saving money in the long run. It's also about saving yourself. Emergency room doctors say they have treated more do-it-yourself injuries in the past year as people cut corners to save money.<br><br>Matt Taylor of Danville, Ill., might have avoided a 3-and-a-half inch nail in his wrist if he'd hired an expert. He was framing a door in his basement when things went awry.<br><br>"I really just should've had two hands on the nail gun and this would never have happened," Taylor said. "I was above my head — I had my left hand down to the side, and I was shooting it <a href="">use this link</a> into a board. When it recoiled back, it popped back and came straight down into my wrist."<br><br>Taylor said he "screamed like a little bit of a girl," but fortunately, doctors were able to safely remove the nail.<br><br>"I think definitely the economy has played a role in consumers wanting to do more projects on their own," said Angie Hicks, the founder of Angie's List, the popular Web site based in Indianapolis, Ind., that gives consumer reviews of contractors.<br><br>"Consumers can certainly spend more money on a do-it-yourself project," she said, "especially if they are investing in equipment that they don't have and if they really get in over their head."<br><br>Contractor Eric Schneller, from Crew Property and Improvement Specialists, in Carmel, Ind., often gets calls from homeowners who are in too deep — literally.<br><br>"They'll try to put up a shelf and pull down the drywall, because they didn't find a stud," he said. "It was too heavy of a shelf. They hang a mirror, the mirror is way too heavy, they didn't put it in studs."<br><br>Schneller says before you start any project, you need three things: time, tools and experience.<br><br><img style="float:left;margin:10px;border:none;" src="" width="270" /><br><br>"It's great if you have the experience to do it, by all means, give it a shot," he said. "But if not, hire a professional."<br><br>Cathy Huiras says she learned that lesson the hard way.<br><br>"Yeah, we're not tradesmen by profession," she said. "We need to stick to our day jobs, I think."<br><br>Safety advocates say there are certain projects you should always leave to the experts, including:<br><br><object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object><br><br><img src=""/> Plumbing<br><br><img src=""/> Electrical work<br><br><img src=""/> Roof repairs<br><br><img src=""/> Anything involving high ladders, like gutter repairs<br><br>The next time you reach for your tool kit, depending on the project, you might want to reach for your phone and call a professional instead.[[/html]] - Comments: 0

Legal Dictionary | - 22 Dec 2016 00:17


[[html]]&#13;<br><br>&#13;<br><br>Enter a Legal Term <br><br>For the definition of a legal <a href="">click for more</a> term, enter a <a href="">that site</a> word or phrase below.<br><br><img style="float:left;margin:10px;border:none;" src="" width="299" /><br><br>&#13;<br><br>&#13;<br><br>&#13;<br><br><img src="" width="27" height="100%" />&#13;<br><br>&#13;<br><br>&#13;<br><br>&#13;<br><br>&#13;<br><br>Search the Definitions <br><br>To find all definitions that include <a href="">try here</a> a specific term, enter a&#13;<br><br>word or phrase below.<br><br>&#13;<br><br><object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object>[[/html]] - Comments: 0

A Guide to Buying a Property in Malta by Les Calvert - 12 Dec 2016 05:51


[[html]]Overview<br><br>There are some restrictions on what types of real estate a foreign national can own in Malta. Generally speaking, a foreign national is able to buy one piece of residential property that will be used as that person's primary residence or that will be used by that person as a holiday residence during part of the year.&#13;<br><br>With this in mind, an individual foreign national is not able as a general rule to buy commercial or industrial real estate in Malta. There are some instances in which a foreign national will join with citizens of Malta to form a joint legal venture — usually in the form of a limited liability company — to by non-residential real estate. It is important to keep in mind that this type of arrangement does require approval from different governmental agencies in Malta.&#13;<br><br><object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object><br><br>Even for EU member state nationals (Malta is now a part of the European Union) the ability to own real estate in the country is limited at this point in time. There is some natural and necessary movement to relax different real estate laws in regard to foreign nationals in the future to bring Malta more inline with the open market concept that is the centerpiece of EU membership.&#13;<br><br>Investment Real Estate&#13;<br><br>As has been set forth previously, there are some pretty stark limitations on what type of real estate a foreign national can purchase in Malta. With this in mind, the opportunities for investment in real estate — beyond the ownership of a primary residence or a holiday home — by a foreign national are limited.&#13;<br><br>Again, and as was discussed, there are some instances in which a foreign national will join together with citizens of Malta, to develop a legal entity that will take possession of real estate in that country for investment purposes. Even with this noted, the number of foreign nationals who are involved in such a venture is not significant due to the hurdles that must be surmounted in order to win governmental approval and authorization to purchase real estate beyond a residence.&#13;<br><br>There may be some relaxation in the laws governing investing in real estate by foreign nationals who are from European Union nations in the future. Of course, the concept behind the EU is to allow for a free economic flow between member nations. Thus, with Malta now a part of the EU, it is likely that there will be changes in its real estate laws as they same pertain to investment in different types of real estate in the country by citizens from other European Union nations.&#13;<br><br>Residential Real Estate - Single Family Dwellings&#13;<br><br>Generally speaking, it is only residential real estate that can be purchased at this time by foreign nationals in Malta. Although Malta has joined the European Union, where there can be found a broader ability of foreign nationals who are from EU member countries to by real estate within the EU, this barrier has not been fully surmounted in Malta.&#13;<br><br>The primary reason that there is a heavier restriction on foreign investment in real estate arises from the fact that there is, indeed, only a limited amount of real property available to sale within the borders of that country. Unlike many other nations, that still have undeveloped frontiers and a significant amount of space still available for development, such is not the case with Malta.&#13;<br><br>A foreign national, with relative ease, can make the purchase of one piece of residential real estate — either to be used as a private and personal residence or as a holiday home. This will be discussed in greater detail shortly.&#13;<br><br>Many Europeans have purchased larger homes in Malta that have become favored second residences, holiday homes. A foreign national can stay within Malta for a period of up to three months at a stretch with no tax consequences or special filing requirements. A foreign national can spend between three to six months in consecutive succession in Malta with permission of the government. Generally, there will be no additional tax consequences on a foreign national in Malta until that person remains in country for a period beyond six months.&#13;<br><br>Residential Real Estate - Apartments&#13;<br><br>Upscale apartments remain attractive choices for foreign nationals looking to purchase real estate in Malta. As will be discussed shortly, a foreign national can make the purchase of residential real estate in Malta provided the property is valued at $50,000 MLT (the Maltese national currency) as is to be used only as private primary residence or as a holiday home by the purchaser.&#13;<br><br>These apartments — high end apartments — are in significant demand by foreign nationals at this point in time. These people, who enjoy spending part of the year in Malta (with its idyllic climate and easy lifestyle) are attracted to these apartments.&#13;<br><br>Vacation Real Estate&#13;<br><br>With its nearly perfect climate the entire year around, Malta has long been a favored travel destination for men and women from different countries around the world. The trend has continued unabated into the present day and age. &#13;<br><br>As a consequence, there is a growing number of foreign nationals who are interested in finding real estate to purchase in that country for holiday or vacation <a href="">foreclosure</a> purposes. Indeed, as will be discussed shortly, there are general limitations on the ability of a foreign national to purchase real estate in Malta, generally restricting these men and women to being able to purchase one piece of residential property that can be used as a holiday home or as a permanent residence. &#13;<br><br>Successfully Purchasing Real Estate in Malta:&#13;<br><br>Specific Steps to Buying Real Property in Malta&#13;<br><br>Despite the fact that the real estate purchase process in Malta is a relatively easy process, there are some definite restrictions that apply to foreign nationals who are interested in purchasing real estate in Malta.&#13;<br><br>Generally speaking, a foreign national can purchase a residence in Malta that is going to be used either as a holiday home or a that purchaser's primary residence into the future. In addition to this general restriction, there are some more specific requirements when it comes to a foreign national investing in real estate in Malta.&#13;<br><br><img style="float:left;margin:10px;border:none;" src=" real" width="371" /><br><br>First of all, the value of the real estate that is being purchased must not be less than 50,000 MLT (the national currency in Malta). Second, all of the funds that are used to purchase this real estate must be derived from outside of the country. Third, the real estate that is purchased cannot be rented out to anyone else. This includes property that is purchased for occupancy as a holiday home during only part of the year. Unlike in many other countries around the world, a foreign national buying such a residence in Malta cannot lease out the property to someone else when it is not in use by the purchaser and owner. There is one interesting exception to this prohibition. The owner of a residence with a pool can, in fact, lease or rent out the property to someone else when he or she is not utilizing the property for his or her personal benefit.&#13;<br><br>Finally, on resale, a foreign national can repatriate the funds generated from the sale to his or her own country of origin.&#13;<br><br>Once these restrictions are appreciated and understood, the actual process of buying and selling real estate in Latvia is simple. The initial phase involves the execution of a contract for sale. At this time, the buyer is obliged to post a deposit that normally is in the amount of 10% of the overall purchase price of the real estate. &#13;<br><br>The preliminary agreement normally is valid for a period of three months. During this time period, the purchaser will obtain financing and the seller will make sure that there are no defects associated with the title that will prevent a clear conveyance of the property to the purchaser when the sale is concluded.&#13;<br><br>The final contract ultimately is entered into between the parties. It is at this time that the buyer pays the remaining balance due and owing on the property. Additionally, it is at this juncture that the buyer will take physical possession of the real estate.&#13;<br><br>There is some effort in Malta at the present time to relax at least to some degree (and most likely for residents of other EU member nations) the real estate laws in that country. Most of the proposals that are being considered center on allowing foreign nationals a bit broader usage with their residential property. For example, there are proposed laws being considered that would allow a person who owns a holiday home or residence in Malta the ability to rent or lease that property to someone else during those times of the year when the owner is not personally utilizing the real estate in question. Again, any such changes more than likely will be targeted towards citizens from EU member nations.&#13;[[/html]] - Comments: 0

Social Issues :: Employment Articles - 10 Dec 2016 01:37


[[html]]&#13;<br><br>&#13;<br><br><img src="" width="8" height="100%"/>&#13;<br><br>&#13;<br><br>&#13;<br><br>Employment Articles<br><br>Home <img src="" width="12" height="12"/>Social Issues <img src="" width="12" height="12"/>Employment5 Things You Should Know When Looking for a Job Abroad By Vanessa Fardi<br><br>Leaving your home, friends and family behind and moving to another country, where everything that surrounds you is completely different from that to which …. officially ready. Of course it is scary to live somewhere completely new, but it will probably be the most exciting adventure of your life, so go for it!<br><br>Work As A Bookkeeper By Lisa Newton<br><br>So, you've studied hard and passed all of the accountancy and bookkeeping qualifications that you can find. You may or may not have found work… and now …. <br><br>&#13;<br><br>If you are a bookkeeper in the UK and are looking for more clients, or a way to increase your client base, take a look at<br><br>Ten Fatal Interviewing Mistakes By Angela Roberts<br><br>In most situations, the face-to-face interview is the "make or break" point of the hiring process; it is here that hiring managers evaluate the …. Candidates&#13;<br><br>Have any questions? Ask the clinical trial staffing team here and we will be happy to help.&#13;<br><br>&#13;<br><br>Investing in a Lifetime of Success,&#13;<br><br>&#13;<br><br>Angela Roberts<br><br>How To Use Humor In A Job Interview By Angela Roberts<br><br>When you are one of the lucky few that get called into a job interview, you may wonder how much of your personality that you should allow to shine through …. hard work will pay off financially and emotionally for you in the long run.&#13;<br><br>&#13;<br><br>Investing in a Lifetime of Success,&#13;<br><br>Angela Roberts&#13;<br><br><br><br>Frustrated by the Job Search? By Angela Roberts<br><br>In this day and age, it is easy to imagine that you are invisible as you shoot off your resume into the unknown. However, your resume is part of your …. consistent and <a href="">online employment agencies</a> be fruitful! With these tips, you are on your way to success!&#13;<br><br>&#13;<br><br>Investing in a Lifetime of Success,&#13;<br><br><object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object><br><br>Angela Roberts&#13;<br><br><br><br>Why Your Resume Isn't Getting Read By Angela Roberts<br><br>In today's economy, high unemployment rates and waning job security have created an onslaught of professionals searching for work. one job opening, there …. Ask the clinical trial staffing team here and we will be happy to help.&#13;<br><br>&#13;<br><br>Investing in a Lifetime of Success,&#13;<br><br>&#13;<br><br>Angela Roberts&#13;<br><br><br><br>Top 8 Skills for Virtual Assistants Jobs By Belinda Stringer<br><br>Virtual Assistant work and jobs are everywhere, and are available in a variety of industries. Just ask us! We get new employers on our screened job board …. sites. &#13;<br><br>&#13;<br><br>Don't forget the "For Dummies" book series as well. You can find them written about almost anything you want to learn! Good luck!<br><br>How to get a job By Osman Gani<br><br>Just follow tips and build your career.&#13;<br><br>&#13;<br><br>1. Make use of placement agencies. They sometimes keep a great chunk of your earnings for themselves, however …. about any interview and (almost) any kind of question.&#13;<br><br>&#13;<br><br>17. Chose employment that best you prefer, as this will enable you to happy while doing the work.<br><br>Both Companies And Job Seekers Can Avail Services Of Healthcare Recruiters By Stella Wilson<br><br>Finding suitable personnel for your medical or health care facility may be a tough job. You may be a medical practitioner or the owner of a clinic, hospital …. recruitment agencies. Whether you are looking for a permanent, part-time or an ad-hoc job, a recruiting agency can find the best career opportunity for you.<br><br><img style="float:left;margin:10px;border:none;" src="" width="301" /><br><br>How to Choose the Right Training Provider By John Platts<br><br>So you have decided that you need to do some retraining to prepare yourself for civilian life. Prior to jumping in, you need to ask yourself a number of …. some of which appear throughout our website, so don't just take our word for it! Talk to Bristol Management Centre today and see what we can do for you.<br><br>What People Need To Think About When Entering Civilian Life By John <a href="">temporary employment agencies</a> Platts<br><br>Returning to civilian life presents you with exciting new opportunities but it is also filled with challenges - what are you going to do with your life …. with one of our very helpful and knowledgeable staff before committing yourself, you have only to pick up the phone and call us. We will be happy to help.<br><br>Turn Weaknesses Into Your Strengths During Job Interviews By Lloyd Thomas<br><br>Westhill Westhill Consulting &amp; Employment Australia releases the following advice on turning your weaknesses into strengths during job interviews according …. Career &amp; Employer Australia has a lot to offer, visit their website and learn more information about some tips, advice, warnings about scams and much more.<br><br>7 Reasons why you should search online For Your Next Job By Genaro Zabka<br><br>Searching for a job, no matter what industry, can be frustrating. If you are you are considering changing your job you should consider using an online …. comprehensive way your experience.&#13;<br><br>&#13;<br><br>The internet has changed the way people look for new jobs and job search has taken giant strides, So use it for what its work<br><br><img src="" width="36" height="14" alt="RSS Feed" border="0"/><br><br>Articles 1 - 15 :: <img src="" width="4" height="7"/> Prev | 1 2 3 4 5 6 7 8 9 .. | Next <img src="" width="4" height="7"/><br><br>&#13;<br><br>&#13;[[/html]] - Comments: 0

French chateau renovation ends in demolition | Reuters - 07 Dec 2016 00:17


[[html]]<object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object><br><br>BORDEAUX, France Builders sent in <a href="">remodeling ideas for kitchens</a> to renovate an 18th century chateau in western France's Bordeaux wine region reduced it to rubble instead, according to the Russian owner of the property.<br><br>Russian businessman Dmitry Stroskin told a local newspaper he was shocked to learn that workers who were supposed to tear down an outhouse and renovate the rest had instead bulldozed his stately pile, wiping Chateau Bellevue off the map.<br><br>"He told me that he was really surprised, that this was an accident and he was the principal victim," said Claude Carty, mayor of the village where the chateau used to stand.<br><br>Poland-based Stroskin, who runs an export business, has said he will build a replica of the chateau, which used to be rented out for weddings under previous ownership.<br><br>"I will rebuild Bellevue exactly as it was," Stroskin told SudOuest newspaper, which spoke of a rebuilding contract worth 1.5 million euros ($1.96 million).<br><br>Locals sent angry <a href="">diy home renovation on a budget</a> messages to the newspaper's website, many airing <a href="">home improvement tips</a> doubts about whether the demolition was a blunder.<br><br>"He'll need a new building permit," said mayor Carty. ($1 = 0.7652 euros)<br><br><img style="float:left;margin:10px;border:none;" src="" width="329" /><br><br>(Reporting by Claude Canellas; Writing by Brian Love, editing by Paul Casciato)[[/html]] - Comments: 0

The Importance Of Client Confidentiality - 06 Dec 2016 15:21


[[html]]<object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object><br><br>Attorney Client Privilege<br><br>Attorney-client privilege and confidentiality are often mistaken as being one in the same; however, they are in fact different. While the attorney-client privilege protects communications between a client and his or her attorney from disclosure before a court, confidentiality protects a client from any information a client chooses to share with his or her attorney.<br><br>Policy<br><br>Why is confidentiality such an integral aspect of legal representation? The answer is trust—to effectively represent a client, an attorney needs the client's complete trust. Think of it this way, we are all more willing to share information that may be embarrassing or difficult to talk about with someone that we know we <a href="">article source</a> can trust. This is why attorneys are held to a high standard of protecting a client's confidential information.<br><br>Confidences and Secrets<br><br>With respect to client confidentiality, the definition of a secret is anything either the client has requested to be held in confidence or anything that, if told, would be detrimental to the client. Confidential information is any information related to the representation of the client. Furthermore confidential client information can only come from the client, whereas a client's secrets can come from any source.<br><br>Informed Consent<br><br>Only the client can give permission for his/her confidential information to be released. A client may give permission by "informed consent". Informed consent requires the client to be made aware of the drawbacks and consequences of allowing their information to be made public. The client may also give a waiver in advance but must be fully informed of how and for what purpose the disclosures will be made.<br><br>By: roni deutch<br><br>Article Directory:<br><br>The Tax Lady Roni Deutch and her law firm Roni Deutch, A Professional Tax Corporation have <a href="">find</a> been helping taxpayers across the nation find IRS tax relief for over seventeen years. The firm has experienced tax lawyers who can fight IRS tax liens on your behalf.<br><br><img style="float:left;margin:10px;border:none;" src="" width="284" />[[/html]] - Comments: 0

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