How to Spot an Investment Scam

Jun 17, 2017 by

Losing money in an investment because of fluctuating market values is understandable, but losing money because of the investment’s fraudulent nature is just unacceptable. You don’t deserve to lose your money just because some company or individual has deceived you, but things like this happen all the time.

The best way to avoid investment scams is knowing how to spot one. Here are some of the traits most common among fraudulent investments.

Company is not registered

Don’t be shy to ask the company of its necessary documents to prove its legitimacy, such as registrations and licenses. A legitimate company will have nothing to hide, especially if it is trying to persuade you to invest, so if a company is often making excuses not to show you documents, stay away.

Salesperson is not licensed

You should investigate the legitimacy of not just the company, but also the person who is trying to get you to invest in that company. This person should be properly registered and officially licensed to sell the commodity. Be particularly wary of salespersons who desperately try to illustrate their success, because they are usually using this as a mask to their illegitimacy.

But not because the salesperson is licensed you are already safe. The website of Erez Law has mentioned several examples on how registered brokers can be malicious and negligent.

Salesperson is being too vague or too technical

Aside from the legitimacy of both company and salesperson, you should also know the nature of the investment and how you can get returns. If you don’t know these things, you can be an easy target for investment scams. Be wary if a salesperson is not giving you access to important information, either by being too vague or being too technical.

Returns are promised to be high and risks low

When it comes to investing, there is no such thing as easy money. If you want high returns, you need to go through equally high risks. If the investment pitch is too good to be true, like if it is making promises of high returns despite the minimal risks, you should be cautious. It is probably just trying to lure you in with false hopes.

 

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Nursing Home Negligence, a Serious Problem in the United States that Needs to be Stopped

Mar 22, 2017 by

Contrary to the provision of quality care that is required under the law and which nursing home residents are made to expect, so many of them are rather made to experience abuses and neglect or lack of care. These acts of abuse and neglect result to malnutrition or dehydration, failure to accommodate medical needs, lack of proper hygiene or sanitation, bedsores, and even wrongful death. In fact, thousands of abuses and neglect get reported every year; yet, despite this high number, many authorities and experts believe that so many more remain unreported, especially the more sensitive and humiliating cases, like sexual abuses.

About 15,600 nursing home facilities located all across U.S. provide shelter to more than 1.3 million residents (statistics for 2014). Nursing facility residents include elders (65 years old or older), individuals who are chronically ill or disabled and in need of rehabilitative therapy, and those who are physically or mentally incapacitated. All of these facilities promise the same thing: monitoring of medication, 24-hour emergency care, social and recreational activities and personal care, which includes dressing, bathing, and toilet assistance: in a nutshell, high quality of life in a well-maintained setting.

To protect residents, as well as to make sure that their needs are always attended to, the U.S. Congress passed the Nursing Home Reform Act into law in 1987. This Act mandates that nursing homes participating in Medicare and Medicaid or which receive Medicare and Medicaid funds, should “provide services and activities to attain or maintain the highest practicable physical, mental, and psychosocial well-being of each resident in accordance with a written plan of care.” (http://www.nursinghomealert.com/federal-nursing-home-regulations-and-state-laws)

As defined under federal nursing home regulations, neglect, is failure to provide the necessary care and service which will ensure freedom from pain or harm, or failure to assist a resident during potentially dangerous situations which can possibly result to harm or anxiety; it can be intentional or non-intentional. Abuse, on the other hand, can be any form of act that: causes injury; deprives care or service; causes intimidation; results in unreasonable confinement or punishment that causes physical harm and/or mental anguish.

According to the Sampson Law Firm, “Nursing home negligence is a serious problem in the United States. The sad reality is that far too many elderly individuals, whose families have placed an enormous degree of trust in the capability of the staff and ownership of the nursing home, are exposed to serious risks to their health and well-being every year as a result of neglect.”

Negligence, however, can “be an extremely difficult problem to recognize. Many elderly individuals have difficulty communicating with their loved ones, and this can make it hard to understand that there is a problem. However, a few common warning signs may indicate that an elderly individual has been the victim of nursing home negligence. These signs may include:

  • Sudden changes in emotional state
  • Withdrawal from friends and relatives
  • Unexplained physical injuries
  • Abrupt weight loss
  • Bed sores

By knowing some of the signs of nursing home neglect and abuse, a family might be able to put a quick end to this mistreatment, not to mention know when they need to file a personal injury claim on the behalf of their loved one

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Medical Malpractice: Emergency Room Errors

Jan 6, 2017 by

Health and medicine is a serious occupational path. They are very complicated, and even a single mistake in practice can cause injury or death. Because of the complexity of health and medicine, errors are not that uncommon, especially in emergency rooms where everything is urgent.

According to the Toronto personal injury lawyers of Mazin & Associates, PC, emergency room errors can be seen as a medical malpractice, and the medical professionals involved may be held liable.

Most common emergency room errors

Emergency rooms can be stressful places, but it doesn’t mean that medical professionals have room for errors. Below are the most common emergency room errors that result into injury or death.

  • Patient dumping – releasing a patient because of his inability to pay or other financial reasons
  • Misdiagnosis – failing to properly diagnose complications, particularly those that are life-threatening
  • Medication mistakes – Issuing the wrong medication, dosage, or not giving medication at all
  • Improper discharge – releasing a patient too early or without the necessary supplementary instructions
  • Improper management – having issues with the overall medical operations, like lack of staffing and delays in treatment
  • Improper procedure – incorrectly performing procedures that may cause harm to the patient

Causes of emergency room errors

Most emergency room errors are a result of recklessness and negligence. These things have no place in emergency rooms, especially because lives ar at risk. Also, they are easily prevented through competence, diligence, and loyalty to safety procedures.

Emergency room errors occur because of the following:

  • Inexperience of staff
  • Lack of medical equipment and facilities
  • Fatigued or stressed staff
  • Not following standard protocol

Effects of emergency room errors to patients

A visit to the emergency room is bad enough, but everything becomes worse if you become a victim of an emergency room error. The most common effects of such errors to patients include:

  • Additional medical bills because of corrective treatment
  • Loss of time at work or school
  • Unnecessary inability to enjoy life
  • Unnecessary pain and suffering

Experiencing these things because of another person’s fault is unjustifiable, especially if that person is the one who is supposed to take care of you in emergency situations. But by reading more about emergency room errors, you are one step farther from being a victim.

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Oct 28, 2016 by

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Texas Divorce Laws the Need to be Complied With

Oct 26, 2016 by

In the past, majority of U.S. states granted divorce but only for specific reasons and on specific ground/s. In Texas, particularly, the Texas Family Code clearly specifies that the acceptable and valid reasons for divorce are adultery, bigamy, abuse, impotence, insanity, desertion, drug addiction or alcoholism, conviction in a felony case, and fraud.

As divorce became more common and acceptable, however, states, including Texas, began allowing the filing of divorce on “no fault” grounds, meaning, the spouse filing a petition for divorce need not cite any ground other than irreconcilable differences or insupportability which, according to Kirker Davis LLP, means discord or conflict of personalities that destroys the legitimate ends of the marital relationship and prevents any reasonable expectation of reconciliation.

Like in any other state, however, there are more basic laws that will determine the legitimacy of a petition for divorce, such as the issue of jurisdiction or residency requirements. If a court finds out that it has no jurisdictional rights to decide on a petition for divorce, then it will not recognize such petition, resulting to dismissal of what has been filed even before it starts.

In Texas, residency requirements require that:

– The petitioner or the respondent has been a resident in the state of Texas for at least six-months prior to the filing of the petition;
– The petitioner or the respondent has been a resident of the county (where the petition is filed) for at least 90 days prior to the filing of the petition; and,
– If the spouse, who will file the petition for divorce has moved to another U.S. state or another country, then he/she will have to file the petition in the Texan county where his/her spouse has resided for at least six months.

Many individuals in Texas opt to file a “fault” divorce due to the possibility of them receiving a bigger share in the division of property and assets. Some others, however, rather file under “no fault” grounds, reasoning out that a “fault” divorce may take a long time settle (from six months to more than a year). They will have to face too costly court and other legal fees if this will be the case.

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