Monthly Archives: September 2017

How to Handle Bad Faith Insurance with a Bad Faith Insurance Attorney

We put so much of our trust in insurance companies: homes, cars, health—even our very lives are insured. So much of the quality of life of ourselves and our families can ride on insurance. A good policy can make all the difference when dealing with a catastrophic occurrence, such as a vehicle collision or a house fire. Having a trustworthy insurance company can make or break you during these situations. It’s such a shame, then, that some insurance companies don’t take their responsibility to be trustworthy seriously and instead take advantage of people who are in their most vulnerable state. If you feel like your insurance company is acting in bad faith, know that there are some steps you can take to address the situation, and a bad faith insurance attorney can help.

What is Bad Faith?

Bad faith insurance situations are situations where your insurance company acts in a dishonest or underhanded manner, resulting in you being denied the full claim you should be entitled to. A bad faith insurance attorney ( ) can help you with a number of situations, including being denied a claim you’re entitled to, being low-balled on a claim, having unrealistic time limitations imposed on your claims, being subjected to an unduly rigorous process (such as investigation without justification), having vague language in your policy that can be interpreted multiple ways, or having a lawyer that fails to disclose any part of your policy before you sign it. These are just a few examples. There are numerous ways an insurance company can act in bad faith, all of which can have devastating results during a difficult situation.

What Can Be Done

What can you do if you find yourself in a bad faith insurance situation? There are a few steps you should follow to get the claim you’re entitled to, including hiring a bad faith insurance attorney.

The first is to try negotiating and dealing with the insurance company directly. It’s possible that what looks like a bad faith insurance situation may just be a mistake or misunderstanding, so approach them with an opportunity to fix it. Even if their intent was malicious, if you are assertive enough, they may back down to avoid trouble. If that doesn’t work, call a bad faith insurance attorney. Yes, adding a lawyer ( ) to the situation may seem like you’re just adding more paperwork, more complicated legal language, and more hassle for you to deal with, but it will be worth it in the end when you are awarded your full claim. And remember that your lawyer is on your side. He or she will work with you and won’t try to make an already difficult situation even more complicated. Finally, once the case is closed and your claim is paid out, it’s time to look for a new insurance provider. It can be a hassle to wiggle free from your old provider, but, an insurance company that puts you in a bad faith insurance position once will more than likely do it again. If they are making it difficult to break your policy, lean on your bad faith insurance attorney for help.

Bad faith insurance situations are devastating, but they’re not worth accepting, no matter how exhausting they are to fight. Know your rights and do all you can to get the claim you deserve, and consult a bad faith insurance attorney for help.

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Posted by on September 28, 2017 in Law


Why You Need to pick a Troy Lighting Chandelier for your Home

Chandeliers are a class of lighting fixtures that give out ambient or general lighting in living spaces. These majestic fixtures have been the centerpieces of many living rooms and hallways from time immemorial. Their design and style have undergone many changes through the ages to include ideologies of the respective times. Chandeliers today are far from what their older counterparts used to be. Modern and contemporary themed chandeliers rely on minimalistic design and decoration, and are crafted with finest materials that are true to modern design sensibilities. There are many lighting brands that offer chandeliers as part of their line of up of lighting for homes. A highly noted and well-loved brand among them is Troy Lighting ( ). When searching for a chandelier for your home, here is why you would want to pick a product from this brand.

Unique styles for unique interiors

The interior design and décor in every home is set around a specific theme. This lends beauty to the home, and makes it unique and special. Troy Lighting understands this very well, and hence offers an extensive lineup of chandeliers whose designs are derived from varied popular themes. Their current offering includes the following themes – Classic, Industrials, Modern, Natural Inspiration, Rustic Urban Loft, and Village. Whether you have a vintage styled home with ornate interiors, or an urban abode with minimalistic sensibilities, there is a chandelier that suits your tastes and preferences.

Small and large chandelier that fit into spaces of all sizes

Whether you have a compact living room that houses most of what you own, or one that is extensively large, Troy Lighting chandeliers have got your space covered. The light fixtures are designed in varied sizes and shapes to cater to small and large spaces alike. There are chandeliers with a bare minimum of four or six light bulbs, and then there are larger designs that house up to even 25 lights. So, in case you want to illuminate an extended hall with a single, large chandelier, or use a series of them to cover the entire span, Troy Lighting makes it possible for you with their array of chandeliers.

Not just lights but beautiful focal points too

Chandeliers from Troy Lighting aren’t just light fixtures. Their design and style are often artistic in nature that they seem more of a stunning sculptural piece than a lighting product. Geometric designs, nature-inspired shapes, intricate handiwork, fine materials, stunning trimming, and many other details make these fixtures breathtakingly beautiful. As a result, these lighting products tend to become quite the focal point in any room that they are placed in. They are also great conversation starters, and leave an impression on anyone who comes visiting your dream dwelling.

A finish for every interior

Troy Lighting boasts of some of the finest finishes on their products. These finishes not only give the chandeliers ( ) a distinctive style, but also make them a perfect fit in the different interior themes. From dark Carbide Black and Graphite, to rustic Earthen Bronze and Country Iron, traditional Distressed Gold Leaf and Champagne Silver Leaf, industrial Copper Bronze and Shipyard Bronze, and contemporary Silver Gold, Polished Chrome, and Burnt Sienna, the range of finishes offered by this brand is virtually unparalleled. So, no matter what the color scheme of your interior space is, there is a chandelier that is made just for it.

A legacy of over 50 years

Troy Lighting has been crafting scintillating light products for over 50 years. Their range of eclectic, sophisticated casual lighting fixtures is distinguished by their unique human sensibility, and well-known design and functionality. The brand uses only the finest quality materials, often handpicked painstakingly by discerning specialists. They also emphasize on hand worked artistry to bring out lighting products with a dimension of uniqueness.

Every chandelier, or in fact any other lighting fixture offered by Troy Lighting bears the stamp of an individual fixture, with the traces of the human hand.

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Posted by on September 26, 2017 in Lighting


Here’s the Easy Way to Sell a House for Cash in Jacksonville

Whatever be it, the inevitability has unpredictably happened. And these events in life are such that you have to go through with it and there is no escape clause anywhere. But, lucky for you, barring the occurrence, if the situation warrants selling your house and fast too, then your escape clause finds its outlet in dependable house buyers who buy houses and to who you can sell a house for cash in Riverside ( ). The one other thing is that real estate brokers may not suit the setting because their operations are long-drawn and different and you really cannot sell a house for cash in Riverside to them.

Here are some of those inevitable occurrences. And this is something that doesn’t happen only to you but these are pretty commonplace and all of you at some point in time or the other may come face to face with it.

What happens in most cases is that it’s a lot more clear and understandable, when it’s shared here, and you can identify with it and know that, you’re not the only one, and a lot of people have been through similar experiences. The degrees and situations may vary, but at the base of it, they are the same. And all of them too have sought out answers when it comes to selling their house quickly and if they ever considered selling a house for cash in Riverside, they were able to find the right house buyer for that.

The inevitable events would be:

1. Growing older means that age-related health issues starts rearing its ugly head. And many a time with timely medical intervention and care, you can tide through with it. But then, energy levels are down and you cannot really carry on with work like before. And these are grim realities and it is best to accept it than fight it. So, if you cannot do a lot of chores like before, it is understandable. And if you own a house in Riverside, that is high-maintenance and its upkeep is slowly becoming a problem, you should start thinking practically and not emotionally. And your answer is in plain sight. Sell your house for cash in Riverside to house buyers and not realtors because of the many obvious reasons. To go with realtors means there’s unsurety. And a lot of house cleaning, staging and prepping and yes, a commission is payable too. Whereas, house buyers works well because you don’t have to stage the house, you’re selling it in its present condition and you get cash for house in a short time. With this, you decide what you want to do next.

2. Landlording is nice in many ways. There’s fixed income and it’s an additional asset. But if your outgoing tenants didn’t maintain the house well, then seeing its condition puts you off and you just want to sell your house in Riverside. And after understanding how house brokers and homebuyers work, you realize that homebuyers ( ) to who you can sell your house for cash in Riverside works best.

Never ever second-guess- Sell a House for Cash in Riverside to Homebuyers

The point has been made. That no matter, whatever happens, you can find answers. And so, irrespective of being caught unawares, or the inevitable has happened, it is for you now to move on in its literal sense. And that would be to sell your house for cash in Riverside. By finding homebuyers who complete the house buying process in relatively little time and who offer cash for the house. And yes, everything may be done even in a week’s time and you’re not obligated to pay any commission either. Just knowing there are homebuyers out there is by itself gratifying.

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Posted by on September 23, 2017 in Real Estate


Do You Need Individual Health Insurance in Alberta?

Not everyone is covered with employee health and life insurance, but that doesn’t mean you have to bear the burden of your healthcare costs all by yourself. There are numerous individual health insurance plans in Alberta ( ), designed to accommodate a wide range of needs and price points.

Even those that were traditionally considered uninsurable can get individual health insurance in Alberta thanks to carriers offering no medical policies (insurance that is purchased without a medical exam) or through ratings or exclusions on fully underwritten policies.

Why do I need individual health insurance in Alberta?

Hey, we live in Canada, the land of free healthcare, right? Why pay for a plan when you can go to the doctor any time you need?

Not so fast!

Yes, we are fortunate to live in a land where healthcare is readily accessible, but it doesn’t cover all of your healthcare needs. Dental, for example, is only covered by the province in extreme situations, such as a birth defects that severely affect the quality of life, or a car accident in which the teeth, gums and mouth were severely damaged. Routine dental care, orthodontics and routine dental surgery come out of your pocket, and it’s not cheap. Don’t forget, Alberta pays the highest dental care costs in Canada, and the new dental fee guide isn’t very promising.

An individual health insurance plan takes the pressure off your finances when you have cavities, need routine cleaning or if your child needs braces.

Medication costs are another reason to have your own individual health insurance plan in Alberta. The cost of prescription drugs is not borne by the province. Likewise, your stay in a hospital can be much more comfortable in a private or semi-private room, and your life greatly enhanced with affordable access to vision care and paramedical services.

Can I afford individual health insurance in Alberta?

Individual health insurance plans can be purchased with an annual payment or with a monthly premium. An annual payment saves you money over paying monthly, as it creates less administrative work for the carrier. That being said, however, monthly payments are easy to work into the budget, and are a preferred way for many Albertans to get the affordable coverage they need.

You may have compared online prices for the big, well-known companies, such as Manulife and Blue Cross; but there are many other options you may not know about. A health spending account (HSA), for example, can be a great way for entrepreneurs with active small businesses to get coverage for themselves and their families. Other companies, such as Green Shield are less well known, but provide healthcare plans in the region.

How to find individual health care in Alberta

Talk to an insurance broker if you do not have employee health benefits in Alberta. Broker services are free, you only pay for the policy you choose. Since brokers are not bank agents or agents of any one carrier, they have access to all the health insurance ( ) products in Alberta, and will design, with you, the plan that best suits your needs. By helping you assess your risk factors, desired levels of coverage, co-pays or deductibles and more, your broker customizes a plan that works with your budget, and gives you the reassurance you need about your accessible health care.

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Posted by on September 22, 2017 in Insurance


Get the Natural Way to Decorate Living Room with Rustic Sofa Table

Sofa tables can bedeck your space in an exclusive style. If you want to adorn your home, opt for the best rustic sofa table and spruce up your living room with grace and finesse. You can keep your favorite things in the beautifully crafted rustic sofa tables ( ) and can exhibit your book collections, decorative accents and many other things in your table for adding beauty to your décor. The stunning barn wood surface of the wood can add elegance to your space in an unforgettable fashion. The reclaimed barn wood table helps to preserve the natural weathered look. Many of the legs are crafted from thick hardwood planks.

Let’s check out the different types of rustic sofa tables in this regard:

 Wood & Metal Corner Table – Get the wood and metal corner table and add a classic style to your room. Place it below your landscape painting for offering a sophisticated entryway ensemble. The table can hold your essentials. Many such tables are created with solid hardwood and can accommodate your stuffs. Decorative metal corner emphasizes the beauty of the creation. Often the furniture comes with a light distressed finish which provides exclusivity to the structure. Solid wood veneers are often used for making this furniture. One year product warranty is often available while making online purchases. Sometimes, the base material of the wood is made with veneer and solid hardwood. This can be an ideal accent piece for your dining room.

 Natural Weathered Entryway Sofa Table – Another option for decorating your space is by bringing a natural weathered entryway sofa table. You may find the top of the table created with Mexican wood and the legs created with thick hardwood planks.

 Solid Wood Side Table – This can look beautiful beside your sofa in the living room. It can be the perfect addition for your lamp and other items that you need to keep within your reach. You will find a wide array of exclusive handcrafted collections by expert craftsmen. Often, this flexible structure can add up as a corner stand. Usually one year warranty comes with this product. The simple design of this table perfectly fits with the rest of your furniture ( ) in your home and bestows a unique feel.

 Multi-Functional, Detachable & Foldable Table – You may place an order for a rustic table which is multi-functional, detachable and foldable. This can be used for keeping a laptop, having dinner and for playing board games. It can be easy to assemble and fold with adjustable height and sliding adjustments.

Get in touch with one of the best online shops offering rustic sofa tables and adorn your home in a perfect way. Contact an expert who can provide the right information and make the perfect choice for your home. You may also send this rustic sofa table to your dear ones as housewarming gifts and brighten up their homes in an exclusive style. So, opt for the best rustic sofa table and smarten up your home with an outstanding grace and finesse.

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Posted by on September 19, 2017 in Furniture


Offshore Voluntary Disclosure Program: 3 Things to Know

The Offshore Voluntary Disclosure Program is a program that was enacted to encourage people to come forward and report foreign income or assets that they had previously been illegally sheltering. The idea behind the program is that, by offering minor, non-criminal penalties (as opposed to the much stiffer penalties one would normally face in this situation), more people will come forward, pay the taxes they owe, and operate more scrupulously going forward. If you’ve made the decision to shelter offshore assets, and would now like to come clean, but fear legal repercussions, the Offshore Voluntary Disclosure Program ( ) is likely a good fit for you. Before you submit to the program, here are a few things to keep in mind.

It’s a Lot of Work

Although the outcome is worth it, the Offshore Voluntary Disclosure Program takes a great deal of effort, and it can be months or even years before your submission is completed and accepted and you’re in the clear. You will be required to submit a seemingly endless amount of paperwork, reports, statements, and information on your finances, and you will have to file or amend up to eight years worth of tax returns. The process might seem gruelling at times, and the thought of the work involved may make you second-guess your decision. However, rather than being deterred by the work involved, it’s better to make a plan and find the support you need to properly engage in the process. Once it’s over, you’ll be happy you went through with it.

Avoiding Prosecution Isn’t a 100% Guarantee

Although the purpose of the Offshore Voluntary Disclosure Program is to give individuals who committed financial ( ) indiscretions a means of avoiding prosecution if they come forward, it’s actually not a 100% guarantee. While it’s extremely unlikely that you’ll get into any kind of legal trouble, it’s important that you use the program as intended, or you could be putting yourself at risk. Essentially, this means that you must make a full disclosure. If you make a partial disclosure, you can still find yourself in trouble once the undisclosed amounts are discovered.

The Offshore Voluntary Disclosure Program also does not cover assets that were acquired through illegal means; if you were sheltering money that you obtained through legal work or investments, you’re fine, but if you disclose the sheltering of money you obtained through organized crime, laundering, or other illegal means, the program will not protect you, so it’s best to contact a lawyer to discuss other means for disclosure.

It’s Intended for Those Who Knew They Were Doing Wrong

The Offshore Voluntary Disclosure program is intended for people who deliberately failed to disclose foreign income or assets and were directly responsible for what they were doing. If your assets were hidden by an accountant whom you trusted, without your knowledge of the situation, you may not be legally at fault, so the program isn’t for you. If you discover that someone lied about disclosing assets on your behalf, the best way forward is to contact law enforcement for assistance.

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Posted by on September 18, 2017 in Tax


Use Staffing Agencies to Get Recruitment Right the First Time

Hiring the right staff is crucial for maintaining high levels of productivity and the efficiency of your business. In fact, according to statistics from the US Bureau of Labor, the cost of a bad hire could be around 30% of the employee’s yearly earnings.

So, many organizations expect to get recruitment right the first time. This is why around 90% of companies use staffing agencies to fulfill their staffing requirements, according to a Frontline source group survey. And, whether you are seeking temp hire or a permanent hire, staffing agencies in Chicago, IL ( ) can help you get the top talent the first time around.

Here are a few reasons why it is sensible to use a staffing agency to fulfill your staffing requirements.

Knowledge of the Market

Unlike your in-house HR department, which hires a few times a year, staffing agencies are always hiring; it is their job. There is no doubt that staffing agencies have their finger on the pulse of the job market and they can provide you with insights into what is happening in the market.

Staffing agencies in Chicago, IL would know about the available talent as well how to reach them. They also know about the career expectations of the candidates, the complexities of hiring, and the available skill sets. So, staffing agencies will be your eyes and ears in the market and put in a lot of effort to get the recruitment right the first time, while your staff focuses on other important tasks.

Extended Reach

Active candidates are looking for a job and they would be the first to apply when you post a job advertisement. In such circumstances, you may waste a lot of time screening the resumes, matching the skill sets, and shortlisting the candidates. A lot of these candidates might also not be a perfect fit for the position.

Passive candidates are those who are working elsewhere, including your competitors. They often form the top talent and are generally hard to find as your in-house hiring staff may not know of such candidates or might not be able to reach them.

So, when you try to hire employees on your own, you are restricted to active candidates who applied and you would seldom know who could have been available, had they been approached. Yet, staffing agencies maintain their own talent pool which includes both active and passive candidates with different skill sets and competencies.

In this way, it is easy for a staffing agency to reach passive candidates through their network. A good staffing agency would also not remain contented with just the applicants, but will be willing to go the extra mile to reach the top talent and get the recruitment ( ) right the first time.

Guaranteed Hire

It should come as no surprise that a large percentage of new hires are not a perfect fit for the new organization. This is because the new hires are unaware of the company policies and the work environment.

A good staffing agency will put in the effort to reduce the attrition rate by making potential candidates aware of the company policies, the work environment, and the expectations of the employer. If the potential candidate has prior knowledge of these areas, they are less likely to have issues once hired.

Recruiting is hard and often a time-consuming process and it is a big challenge to find the ideal candidate for the role. The staffing agencies in Chicago, IL have trustworthy hiring experts who get recruitment right the first time and allow your business to focus on other important tasks.

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Posted by on September 9, 2017 in Employment