Marriage is like a fairy tale story. The couple aspires to “live happily ever after.” Some couple are able to achieve the fairy tale ending but unfortunately, a great number of married couples end up filing a divorce. Recent figures revealed that there is one divorce approximately every 30 seconds which translates to 2,400 divorces daily, 16,800 weekly, and 876,000 divorces yearly. In addition, the average length of a marriage that ends in divorce is 8 years. The waiting period for people to remarry after a divorce is three years.
According to the website of Alexander & Associates, divorce extends beyond couples deciding to end their marriage. It also involves division of properties, separation of finances, and decisions about the future of their children, if any. In the United States, there are different kinds of divorce that a couple can file. Throughout the process, both parties must hire an attorney to help them.
First implemented in California in 1970, no-fault divorce happens when neither party involved in the divorce is required to proof fault of their spouses. In this type of divorce, the grounds for filing are irreconcilable differences, incompatibility, and irremediable breakdown of the marriage.
In contrast, at-fault divorce requires one or both parties to prove who is at-fault. So far, only the state of New York requires fault to be proven during the divorce process. If no fault was found, the divorce will not be ratified and the couple stays legally married. If the couple is separated, they are not legally allowed to marry anyone else.
In summary divorce, the couple are able to agree on key issues prior to the hearing or satisfy certain eligibility requirements. Among the issues for summary divorce include a short marriage of five years, no children, minimal or no real property, marital property is less than $35,000 and each spouse’s property is the same as the marital property.
With this type of divorce, the parties have agreed to major issues such as child custody, visitation, child support, and others. An uncontested divorce also has one of the spouse opting not to participate in the proceedings.
Both parties attend multiple sessions with a professional mediator in order to resolve their differences. The mediator serves as a neutral party and will inform the judge whether or not there was an agreement.
There is no court hearing in a collaborative divorce. Instead what happens is the couple meets their lawyers, third parties, and other experts in order to come up with the best result for the whole family. The couple does not focus on their own rights but merely on finding a holistic result for the good of the parties involved.
When the court hearing seems to be going nowhere, arbitration is the next best option. There is a neutral attorney who is not connected to the case. Unlike in a trial, the result of the arbitration cannot be appealed.
A contested divorce takes place when all attempts to settle differences have failed. The only way this kind of divorce will be settled is through a trial.
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Living or relocating to the United States can be really challenging. Many people would have to endure long lines and cumbersome paper work just to have an opportunity to experience life in the so-called “Land of Opportunity.” Unfortunately, that dream of people to live in New York or Los Angeles remains to be elusive after their visa application got rejected.
Fortunately, there is now a new and easier way to migrate to the United States and it is via the EB5 program. Also known as the Immigrant Investor Program, the EB5 allows foreigners to immigrate to the US by investing a considerable amount of money and make their dreams come true. In this article, we will develop an understanding of the EB5 program.
What Is EB5 All About?
EB5 is unique compared to other visa options that individuals might puruse. To qualify for the Immigrant Investor Program, you need to fulfill the following requirements:
- A minimum investment of $500,000 for a project located in a Target Employment Area (TEA) and $1 million for a project outside of TEA
- Generate or maintain at least ten full-time jobs for American workers
- The investor must not have previous convictions or violations of US immigration laws
- The cash for the investment must come from a legitimate source
- The investor must invest in the project for a durtation of no less than 5 years
Benefits of the Program
With the EB5 program, you do not have to worry about getting delayed on your visa application. It offers immediate permanent residency status to foreign investors upon their entry. Green cards for people planning to invest are limited to just 10,000 yearly. If the number of applicants exceeds 10,000 you might be placed on a waiting list based on the “priority date,” based on the day you applied for in the first half of your application.
The good news is that the 10,000 limit has never been reached or exceeded. However, over the years, there has been an increase in the number of Chinese investors which resulted to a long list of Chinese investors. If you are coming from another country, however, you do not have to wait for your visa. The downside of the program is that once you have applied for the program and fail, you jeopardize your success rate in the future.
It is worth noting that the EB5 green cards are only conditional and valid for two years. You can obtain the green card if you will do your best to hire the required number of employees within the two year validity. With the conditional green card, you have an option to choose which business in the United States you will invest on. You must keep your investment and be active with the company you are investing on.
Under the program, you must be a resident of the United States. You cannot use your EB5 visa for work or travel purposes. You can get green cards for your spouse and children below 21 years old as accompanying relatives.
Just like the standard green card, the EB5 can also be revoked if you misuse it. Living outside the US for a long time or not informing authorities of your change of address is a ground for deportation. On the other hand, if you maintain your green card for five years and continuously live in the United States, you are eligible to become a US citizen.
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PCB contamination or exposure can have a devastating effect on a person who suffers from poly-chlorinated biphenyls or (PCB) contamination. According to the website of Williams Kherkher, PCBs were banned by the Environmental Protection Agency in 1979. Exposure to PCB can have an impact on not only the environment but also in the human body. It is used in a wide range of products and industries such as in electrical equipment, surface coatings, inks, adhesives, and others. These substances are incinerated or stored in landfills.
In December 2000, the International Treaty on Persistent Organic Pollutants, drafted by 122 nations, identified PCBs as one of the ‘Dirty Dozen’ chemicals that should be phased out globally. Aside from that, the International Agency for Research on Cancer and the Environmental Protection Agency identified PCBs as a potential human carcinogen. Studies of these substances have revealed increased rates of melanoma, liver cancer, gall bladder cancer, and others.
These substances are man-made and have a uniform structure. They consist of carbon, hydrogen, and chlorine atoms. As they can be easily mixed in various ways, a total of 209 different PCB molecules can be created. PCBs can build up in animals as time goes by as well as in the food chain. These substances breaks down as an indirect effect of sunlight.
How Does PCBs affect human existence?
Humans can be exposed to PCBs in a variety of ways. First of all, they get exposure through consumption of contaminated food particularly meat, fish, and poultry products. In addition, they get low level exposure from the air they breathe not only indoors but also outdoors. When absorbed by the body, PCBs make their way to cell membranes and into the blood vessels and lymphatic systems. The highest percentage of these substances are found in the liver, fatty tissue, brain, and skin.
Unlike water-soluble chemicals, PCBs are not excreted and will accumulate in the body for years. While they can break down into non-toxic substances, it may take several years.
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For most women, there is one thing that will keep them from flaunting their legs– varicose veins. They are embarrassed to wear a pair of shorts because of the swollen or dark blue or purple veins that can be easily seen through the skin. The good news is that you do not have to suffer in silence just because of your varicose veins. Now, you can get rid of those unwanted swelling through sclerotherapy.
Sclerotherapy is a medical procedure designed for getting rid of varicose and spider veins. According to the website of Bergman Folkers Plastic Surgery, sclerotherapy is a well-established non-surgical and safe treatment for varicose veins. It has been a proven procedure for more than 150 years. In sclerotherapy, a specialized salt solution is injected into the varicose vein causing it to swell and stick together, and the blood to clot. As time goes by, the vessel transforms into a scar tissue that will eventually disappear.
How It is Done
Before the procedure is done, you will undergo an initial consultation with a dermatologist or vascular medicine specialist who will then determine if you are qualified for the procedure. Pregnant women are not qualified to undergo the procedure. Women who are taking birth control pills are eligible for sclerotherapy. If you have a history of blood clot, your qualification will be determined on an individual basis and is dependent on the overall health of the area requiring treatment and the cause of the clot.
In most cases, the salt solution is injected using a very fine needle directly into the vein. You may experience a slight discomfort or cramps for 1 to 2 minutes especially when large veins were injected. The entire procedure takes 15 to 30 minutes. The number of veins that will be injected per session is dependent on the size and position of the veins as well as the overall medical condition of the patient.
The procedure is done in the doctor’s office by either a dermatologist or a surgeon. After the procedure, you will not be allowed to perform any aerobic activity for a few days. Before undergoing sclerotherapy, you should not take certain medications. This is the importance of the initial interview so make sure you inform your doctor about any medication you are taking. No lotion should be applied on your legs before the procedure.
Some medications that the doctor will prohibit includes aspirin, ibuprofen, or anti-inflammatory drugs 48 – 72 hours before sclerotherapy.
After the procedure, you may experience certain side effects. They range from the mild such as itching to the more complex such as blood clotting. Itching may last for one or two days after sclerotherapy. Sclerotherapy may also bring raised red areas on the affected region. It also includes bruising around the injected area which can last several days or weeks.
Some side effects may require treatment and among them are:
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- Inflammation. This is usually mild and may result to swelling, warmth, and discomfort around the injected area. The doctor may recommend aspirin to ease the inflammation
- Blood Clot. Lumps of clotted blood may form in a treated vein requiring drainage. On rare occasions, the blood clot may makes its way to a deeper vein in your leg which could cause deep vein thrombosis.
- Air Bubbles. Tiny air bubbles may go up in your bloodstream. While they will not always have symptoms, but if they do, it may include visual disturbances, fainting, nausea, and headache.
- Allergic Reaction. There is also a possibility that you may become allergic to the solution used for treatment, which is quite rare.
When managing a business, there comes a point in time when you need to make a decision to finally throw in the towel. One of the hazards in business management is running out of capital to sustain your business. Aside from the capital, there are other financial issues that you need to address such as the taxes, operational expenses, employee salaries, and others. All this can lead you to finally decide to throw in the towel and file for bankruptcy. But is it really the right time to declare bankruptcy?
There are many potential issues that will place your business in jeopardy and incur unbearable debt. In this article, we will help you decide when to finally declare your business as bankrupt.
1. Assess Your Situation
Bankruptcy has a significant and long term effect on your business that you need to give it a careful thought first. Is there really no other way to save your business than bankruptcy? Before finally giving up, see if you can still salvage whatever is left of your business. Can your funds still sustain your business? Are you burdened with too much debt? It is important to determine your financial position first before deciding to go bankrupt.
2. Is your situation temporary?
Before filing for bankruptcy, you may want to delay it for at least a few more months and see if your situation will improve. For instance, if you have recently lost income due to a lost job, see if you will qualify to avail of unemployment benefits.
3. Are you willing to take the risk?
When filing for bankruptcy, there is no turning back on your part. If within the period you applied for, you suddenly get money or land a high paying job, you cannot have your bankruptcy history removed from your record right away. You will have to wait until the expiration of the plan before getting another debt.
4. Is it really the best option?
Before filing for bankruptcy, you need to ask yourself if it is really the best option. You need to weigh the pros and cons to know if it is really the best option. If it is, then go ahead and declare your bankruptcy.
Proceeding with the Bankruptcy
If you decided that bankruptcy is indeed the best option, there are two ways you can go about with the declaration. The most common route is voluntary filing. The second way is to have the court order your bankruptcy.
Bankruptcy is a huge financial step that requires careful thought on your part. Look out for other alternatives first before taking it into consideration. To learn more about bankruptcy, click here.
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