Hurricanes and Wildfires: How to Prepare for a Natural Disaster

Wildfires, floods, hurricanes, and tornadoes can cause massive amounts of damage and loss of life. While the disasters themselves can’t be eliminated, there are things you can do to prepare in case a wildfire or hurricane hits close to home. Preparation means preparing your home to avoid damage, taking your insurance documents and contact information with you, and having a solid emergency plan to keep you and your family safe. Here are some tips to help you prepare for specific events. Concerned about storm or wildfire damage? Use RocketEvidence to capture video before and after the fire or storm, and share your question with an attorney. Get started How do I prepare to leave when asked to evacuate during a wildfire? Evacuating your home due to wildfires is never an easy decision. It can be heartbreaking to leave your home behind. But remember that your possessions are insured and monetary things can be replaced. It’s most important that you listen to the evacuation orders when they’re given because they are not given lightly. If you live in an area where wildfires are a major risk, you should make a wildfire emergency plan for your family to follow. This helps you to remain calm and will give you a checklist so that you don’t forget anything important. You should have a supply kit and bags packed and ready to go as part of your emergency plan. You might include irreplaceable things, as well as food and first aid items. There are a number of things you can also do to help protect your home and neighbors during the event. Ready for Wildfire provides an excellent list of essential reminders. How do I prepare to leave when asked to evacuate ahead of a hurricane? Hurricane evacuation is very similar to wildfire evacuation.

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2021 COVID-19 Student Loan Repayment Relief

Average individual student loan balances in the United States increased to over $38,000 in 2020 according to Experian, the credit reporting company. This is a tremendous amount of debt that students take on to further their education and improve their career opportunities upon graduation. When the pandemic hit, many recent graduates lost their jobs as a result of the worldwide disruption. This left many borrowers without income to repay their student loans and wondering if there would be any COVID-19 student loan repayment relief available to them.  President Trump introduced loan forbearance in 2020 to provide temporary help. President Biden has extended this protection and has also raised the possibility of more extensive loan forgiveness as an option in these unprecedented times. Here is what you should know about COVID-19 student loan relief. Need a break on your student loan payments? Make a free Hardship Letter to send to your lender. We make it affordable and simple. Get started now re federal student loan payments suspended during the pandemic? The CARES Act, signed into law in March 2020, offered a temporary pause in federal student loan payments due to the pandemic. This pause lasted through September 30, 2020. Further extensions by President Trump left the suspension in place through January 31, 2021. As a result, payments on federal student loans were not required for most of 2020.  When President Biden took office, one of his first actions was extending this pause through September 30, 2021. The pause has now been extended once again through January 31, 2022. This gives former students even more breathing room to focus on their pandemic financial needs for the time being. re payments on private student loans suspended during the pandemic? The laws signed by President Trump and President Biden extend only to federal loan

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Focus on Financial Planning: Last Will and Testament

No one wants to think about dying, especially when young and healthy, but tomorrow is never guaranteed. Leaving this world unprepared can result in confusion and expense for your surviving loved ones. That’s why it’s important to consider your Last Will and Testament as part of your broader financial plan, even though it won’t take effect until after you die.  Your estate — which includes your assets and financial affairs — will, by definition, outlive you. So it makes sense to treat your estate with the same care and planning that goes into your career choices, investments, and retirement plan. No, you can’t take it with you, but wouldn’t you rather have a say in how your estate is handled after your death, as opposed to leaving it up to the courts? Let’s discuss the importance of drafting a Will, what’s involved, and how your Will fits into your broader financial plan.  Got a legal question? Get legal advice in minutes. Real Lawyers. Real Answers. Right Now. Get your answer What exactly is a Will? A Last Will and Testament — often just called a Will — is a legally binding document where you leave instructions for how your money, property, and other assets should be handled after your death. It’s also an opportunity to pass on items of sentimental value or personal messages to loved ones. Your Will doesn’t take effect until you die. To write a valid Will, you must be mentally competent. This means, for example, that you may not sign a Will if you have been diagnosed with dementia. In most states, you will need at least two witnesses who are 18 or older to observe your signing of the Will and vouch for your mental competence. Although there are instances when it may make sense

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Do I Need To Pay Taxes On Private Sales Transactions?

The short answer is “yes.” In most cases, the IRS and your local tax agencies expect tax payments for gains received on larger transactions. While the details of private sales transactions may be difficult for tax agencies to track, legally you are obligated to report your capital gains on items you sell and to pay local taxes on items you purchase. Got a tax question? File confidently with legal advice from Rocket Lawyer On Call® attorneys and tax advice from our partners and friends. Get your answer Tax obligations when you sell a car If you sell a personal vehicle (car, truck, motorcycle, boat or other vehicle for personal use) for a loss, the IRS is generally not interested in the transaction. However, if you sold the car for a profit, you should report that profit as a capital gain. The gain will be classified as either “short term” or “long term,” depending on how long you owned the vehicle. An IRS Schedule D is used to report your capital gains and includes worksheets to help you determine your adjusted cost basis, so you can properly report net gains or losses. If you put a lot of permanent work into improving the vehicle, you may be able to deduct some of those costs from the gain to help reduce your tax obligation. If you sell quite a few vehicles, the IRS may have reason to believe you are in the professional car sales business. Of course, if you are in the car sales business, you’ll want to report your income taxes, capital gains taxes, and business taxes appropriately to avoid issues with the IRS. Tax obligation when you buy a car through a private sale When you purchase a vehicle through a private sale, you must pay the associated local

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How Should Employers Respond to Workplace Injuries?

Serious workplace injuries happen every day across America. No employer wants to see employees injured while doing their jobs. Unfortunately, accidents happen no matter how much you try to avoid them, but if you are prepared, you will know what to do. Understanding workplace injuries, taking preventative measures to avoid them, and developing a plan of action in response to an injury are all “must-dos” for good employers. Need to make a Work Injury Report? Properly record what happened in a simple interview form. We make it affordable and simple. Get started now What are the most common workplace injuries? The most common workplace injuries are some of the most preventable. Careful planning can help workers avoid injuries that can affect them for the rest of their lives. 1. Slips, trips, and falls Falls make up roughly one-third of all injuries in the workplace. They are the number one cause of workers’ compensation cases across the United States. Although a trip or slip may seem minor, they can result in serious head or neck injuries, broken bones, or a lot of other health problems. 2. Working with machinery A machinery accident is not unusual in a factory, construction, or farm setting, but it can happen any place where workers engage with heavy machinery. Getting your body caught in moving equipment can result in long-term debilitation. 3. Vehicle-related accidents Car accidents happen every day. Some are the result of employees spending time on the road for work-related reasons. Other injuries occur when workers are struck by moving vehicles in a work setting, such as in a warehouse or shipping/receiving area. 4. Fires and explosions Fires and explosions do not happen often, but when employees work with combustible materials, those workplace accidents can be severe—affecting multiple workers at one time. Burns and

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Keep Renters From Burning Down Your Property on the 4th of July

Independence Day celebrations are almost here, and with them comes the risk of accidents and fires. While most people take precautions, landlords have an additional worry when it comes to their tenants. Here are some property management techniques that can help prevent or reduce property damage and personal injuries caused by fireworks and fire on the 4th of July. Lease Confidently with Rocket Lawyer Get all the legal help you need to manage your property. Anytime. Anywhere. Get started now Can you stop renters from setting off fireworks on your property? There are two ways to potentially stop renters from shooting off 4th of July fireworks on your property. One is through your lease and the other involves local laws. Your lease may have a list of rules or it may refer to a separate list of rules, like zoning or homeowners association bylaws. For example, a lease at a multifamily home may refer to separate community rules for things like pool hours. Your lease or the rules themselves may give you the authority to modify these rules at any time. This is useful because a fireworks clause is not a common lease term. If your lease enables you to make rules, you can notify your tenants in advance of the holiday that fireworks are not allowed on the property. Many local laws and ordinances also prohibit fireworks. A reminder is enough to stop many tenants from using fireworks. If your tenants break these laws, especially if it disturbs other people or causes property damage, you may have the right to evict for illegal activity.  You can use the Rocket Lawyer Eviction Process Worksheet to determine whether you can evict and what steps you can take. Keep in mind that local laws will vary on whether setting off fireworks is

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How To Pay Employees for 4th of July

While we all may agree that the Fourth of July is a joyous time of year, for small business employers, it can also be confusing. After all, the Fourth of July is a federal holiday, and employers and employees often wonder whether holiday pay, time and a half, or maybe even double time pay is required.  Below, you’ll learn about how to pay employees on the 4th of July. Need pay and benefits documents for your employees? Put your compensation and time off policies in writing. We make it affordable and simple. Get started now How does holiday pay work for Independence Day? There is no federal law requiring private employers or small businesses to pay employees time and a half on Independence Day, and that’s true for any other holiday. Federal, state, and local government employees are usually provided time off or paid overtime for work on the Fourth of July. So that means how holiday pay works will depend on state labor laws and an employer’s policies.  Most businesses only have to provide holiday pay or time off if they have a policy or common practice of paying overtime or providing paid time off on holidays.  When it comes to state laws, there are only two states that require holiday pay, and both include Independence Day in their list of holidays: Massachusetts and Rhode Island. For more information about these state’s holiday pay rules, ask a lawyer or visit the labor department website for each state:  MassachusettsRhode Island re workers paid time and a half or double time for overtime on the Fourth of July? Outside of government employment, and Massachusetts and Rhode Island, unless an employer has affirmatively agreed to pay overtime or double time for all hours worked on holidays, then this is entirely up to

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Should I Sign a Prenuptial Agreement?

Many people believe a Prenuptial Agreement, or prenup, is a bad idea because it implies they are planning on a divorce at the same time they’re planning a wedding. But the truth is, a Prenuptial Agreement protects both spouses financially in case of divorce, disability, or death. Here, we answer some common questions about Prenuptial Agreements. Want to make a Prenuptial Agreement? Prepare a financial agreement that covers assets, debts, and children. We make it affordable and simple. Get started now Should I sign a Prenuptial Agreement? Being financially responsible is important for everyone. A Prenuptial Agreement can help protect each party’s current assets and ensure both spouses remain responsible for the debt they brought into the relationship. If either partner has children from a prior relationship, a Prenuptial Agreement can help ensure their financial stability as well. Prenuptial Agreements protect both partners, and they are helpful in the event a marriage does end in divorce. And it’s far easier to negotiate a financial arrangement that works for both parties while you’re communicating well, rather than waiting until your relationship becomes contentious. What happens if I don’t sign a prenup? State law prevails when there is no Prenuptial Agreement. For couples who live in states that adhere to community property laws, this means that most assets or liabilities accumulated during the marriage would be divided equally between the parties. However, individuals are able to retain assets they brought into the marriage and kept separate.   In states that don’t follow community property principles, distribution of assets normally follows a process called “equitable distribution.” In these states, multiple factors are taken into consideration to ensure property is distributed in a fair way between divorcing parties. Either way, it is helpful to have a Prenuptial Agreement ahead of time that allows you to

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Five Ways to Reduce Lawyer Burnout and Improve Employee Retention

Last week I served on a panel about attorney burnout for a bar association club for attorneys in their first 10 years of practice. The panelists had lots of helpful guidance and information to share. The last question asked by an attendee, however, perfectly exemplified the real problem with burnout, and the way I answered repeated the same problem pattern. Here’s what I mean. sking the Right Questions About Attorney Burnout The question was about how to handle unreasonable expectations from a supervising attorney. In the example, based on the lawyer’s real-world experience, the partner would promise a deliverable to his client without consulting his team and then delay delegating the task to the more junior attorneys. The partner would then have an unrealistic deadline and freak out because he had promised the client an answer or deliverable by a date that was, by that time, impossible. The associate asked the panel: What should I do? How should I handle it? We provided good techniques for communicating the impossibility of the task to her supervising attorney, and how to talk with others about possibly getting an extension for others’ work without pressing deadlines. We also discussed how she could communicate the specifics of what she would be able to produce in the timeframe provided. This was all useful information, and hopefully, it helped the associate. But thinking about the question later, I realized we had addressed the wrong question. Whose Problem Are We Solving? Sure, we answered the question asked, but really, the question was about how to avoid getting in that situation in the first place. More importantly, the answers should have focused on the fact that the associate should not be the one responsible for solving this problem. There is plenty of advice out there about being proactive

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SC on accepting and discarding the testimony of witnesses

The Supreme Court made an observation that merely on the ground that Test Identification Parade, i.e. TIP, had not been conducted, the testimony of a witness who identified the accused in the court could not be discarded. In the instant case, the prosecution witness confessed that he had been unable to identify any individual whom he had seen 11 years ago, however, he asserted that he would be able to identify the accused even though he has seen him for the first time 11 years ago, on the day of incident. The division bench stated that usually there is presence of sufficient corroborative evidence to corroborate the testimony of witnesses. The bench allowed the appeal filed by the accused who had been convicted under Section 55(a) of Kerala Akbari Act, and disbelieved the witness who had identified the accused in the court on the ground that he had seen him for the first time in 11 years. The accused contended that since the TIP had not been conducted, the prosecution’s version could not be relied upon. The bench, however, clarified that the TIP is a part of investigation and does not form part of substantive evidence. The post SC on accepting and discarding the testimony of witnesses appeared first on LexForti . Randy Reidwww.itcse.org

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