Steps to Building an Emergency Fund – AGT The Safe Money People

Ben Franklin once declared, “A penny saved is a penny earned.” Yet, equally enlightening are his thoughts on expenses: “Beware of little expenses. A small leak will sink a great ship.”

And there are plenty of “leaks” that can scuttle an already-tight budget. For instance, a spouse idled by the sour economy, a fender bender with the family car, or an unexpected hospitalization. Thats why financial advisors recommend that you have a rainy-day fundenough liquid assets to cover three to six months worth of emergency living expenses. In case of financial emergency, access to additional money will save you from relying on credit cards or loans that simply compound the problem.

When starting an emergency fund, here are a few tips to abide by:

Is Law School Worth It Anymore

Personal anecdote: I have a friend, well call him Fletcher, who is considering enrolling in law school as soon as he finishes his undergraduate studies at Syracuse University. Ever since Ive known Fletcher, he has dreamed of pursuing a career in law. The field of law has changed over the years. At first he was looking to be a criminal defense attorney, one day he decided to pursue immigration law, then there was the year he thought he should specialize in copyright law. Right now, Fletcher is in ambition mode, and wants to primarily focus on constitutional law. That is he attends law school at all. His once unwavering enthusiasm has been somewhat tampered as his undergrad days come to a close. Many of his family friends have been working at steering him away from applying to law schools. Fletcher says he receives a few articles a week in his e-mail inbox from these people, all of which paint a gloomy outlook for law school students? Why, I asked myself and him. Shouldnt those who want to enroll in law school be encouraged? Sure, its a tough route, but doesnt it lead to one of the most lucrative careers an American possibly have?

The answer is that used to be true. That used to be true even as recently as 2007. That year was a record breaking year for law school graduates in search of employment. Many of these graduates were able to find entry level positions at some of the biggest law firms in the country, firms that offer a sizeable starting salary. This was the boom year. But like so many booms, a bust inevitably follows. This bust happened fairly quickly too. In March of 2012 alone, the legal industry lost close to 1,300. Thats on top of the staggering loss of jobs in 2011, which equated to 2,500. According to the National Association for Legal Career Professionals, only 87.6 of law school graduates are currently employed, the lowest that total has been since 1996. Of those currently employed, only 50.9% of them had careers at a law firm.

The decline in employment for law school students can be traced back to a few reasons. One of them is the general state of the American economy. The entire country is currently plagued by an unemployment epidemic. Even as jobs are steadily increasing, it is happening far too slowly. The unemployment rate has been slightly north of the 8% mark for the past year. The boom of 2007 is another reason that many recent law school graduates are having a terrible time finding work. Since so many of those top positions were filled only a few years back, the top candidates have been forced to seek employment at mid-level firms in smaller markets. This shakes all the way down to the mom and pop firms that employ two to ten attorneys. While graduates who are able to land jobs even at the latter firms are typically grateful to have been able to find employment at all, the salary is far lower than what they were anticipating on.

Internet Law and legal counsel

The law of the Internet has no history to fall back on. Cyber law is being developed by judges who must do their best to fit legal disputes on the Internet into preexisting legal frameworks. The legal principles governing conduct and commerce in cyberspace are still in a state of flux. With all the information that is exchanged on the internet it makes it an easy target for crimes to be committed. You exchange your personal information every time or join a social network. Strangers are consistently trying to access this personal information about others so it can be used in other ways. The internet law is drawing in more people daily for using; it is also drawing crime in. The crimes on the internet are mounting daily. There are many different kinds of crimes that are done for different reasons. Some crimes like hacking are done so a person can have bragging rights. Other crimes are done in order to get a person personal information so it can be resold on the black market. There are different types of internet crimes, computer instructions which mean bots, worms, viruses and hacking. Computer intrusions have been known to take down complete systems in many different organizations. Sometimes it’s another organization knocking the competition out for a while. It is also someone wanting to brag that they hacked into a major system and disrupted things and made the system crash. These are just a few of the internet crimes that are committed around the clock. There is internet law to handle internet crimes. These internet laws are dealt with just like a crime that was not committed on the internet. There will be steep fines and even jail time if a persons is caught doing any type of crime on the internet. The world is creating internet laws right now a process that is both exciting and frightening to watch. Unlike other areas of commerce that can turn to historical traditions to help settle disputes and guide the development of the law, the law of Internet has no history to fall back on. Cyber law is instead being developed by judges who must do their best to fit legal disputes on the Internet into preexisting legal frameworks.

Author is an executive with the law group. For more information on law of the Internet visit the website law of the Internet

Outsourcing Legal Research

Large law firms and in house legal departments of large enterprises have enjoyed the benefits of outsourcing (quicker turnaround and lower costs) with success for quite some time in the United States.

On the other hand, small and midsize enterprises and law firms have just begun to outsource legal work to enjoy these benefits. This has become possible with a wider availability of technology at a lower cost, in addition to the arrival of a new breed of vendors who are addressing the unique requirements of small and midsized enterprises and law firms.

These vendors are providing services with better quality, by leveraging on technology and through deployment of experts in the work which is outsourced. Lawyers from India are increasingly familiar with US law and have several years of experience in doing legal work for US law firms and in house legal departments of large corporations. It has become possible to deploy experts these days due to aggregation of work from various clients, and the cascading higher volume of work.

Criminal Lawyer Grand Rapids is a focused and knowledgeable advocate!

Criminal lawyer Grand Rapids helps clients and families to come out of the criminal charges with successful resolution through skilled, experienced litigation or trial or settlement.
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Criminal lawyer Grand Rapids is a dedicated, experienced, trustworthy, and compassionate and knowledge legal figure. There are many criminal law firms that work and believe in helping hundreds of clients who need criminal defense assistance. They work tirelessly with their clients to achieve the positive and best results for clients and to those who need unique assistance for a complex criminal case. The criminal defense law firm is headed by the special advocates who give clients unique experience of understanding the case from a different perspective and also working on behalf of clients. They understand the investigators and prosecutors mind set and then build a criminal defense case, the strategies are brought together to fight for the client on their behalf. They will give such a compelling defense and present a case that is simply the best and unique in its own ways.
Respectful legal firm of Rapids

Criminal defense lawyer should be skilled and effective to know the prosecutors and judges completely. The lawyer should be well-knowledgeable about the criminal defense laws and then tailor the case in a way that the client is proved innocent. The lawyer’ approach forms a reputable legal firm and this helps them gain a name in the city. Criminal lawyers are focused on the crime law and exclusively work for such crimes cases that fall under the criminal law. They employ skills in trial advocacy and also in litigation areas. They offer estate planning help to clients, families and friends too. However their area of focus is criminal law. Fighting for a criminal law case is hard because law is complex and difficult to deal alone. They help clients faced with criminal charges severely in federal and state courts.
Trustworthy and compassionate services of a lawyer

Must-know Facts Before Hiring A Personal Injury Lawyer!

The angst that we feel when we”re badly hurt and injured due to someone else”s fault cannot be explained in words. In fact, it is quite common to be accident prone these days. You never know when a car might bump into you, or when a ball may strike thereby damaging your eyes. At such times, you don”t even know whom to approach for help. And paying for the medical treatment might pinch hard, as it is a totally uncalled for expenditure. You didn”t invite the accident, then why should you pay for it?

A personal injury lawyer is the best counsel to visit to in case you”ve been injured in an accident. They can get you compensation on various fronts ranging from death of a family member due to accident, disfigurement of the body, psychological trauma, loss of business or daily wages because of inability to attend office, and cost of medical treatments.

Since it is pretty difficult to prove the fault of the one who has caused accident, often due to lack of evidence and hard facts, people usually don”t file a case. However, personal injury lawyers can help you out in claiming your right and suing the accused of damages. They will know which facts your case should be built on, and what documentation will support the same. Let”s have a look at the top 5 facts before hiring a personal injury lawyer sydney

Miami Personal Injury Lawyer Your Defense Against Negligence

Personal injury cases are fairly prevalent. This crime is wide-ranging and encompasses just about any harmful accidents that are either caused intentionally or negligently. Even in Miami, the rate of crime owns up to the fact that there is a significant number of victims of personal injury in the city. If you have fallen victim to this sort of crime, you can find your defense by hiring the right Miami personal injury lawyer.

Personal injury cases are fairly prevalent. This crime is wide-ranging and encompasses just about any harmful accidents that are either caused intentionally or negligently. Even in Miami, the rate of crime owns up to the fact that there is a significant number of victims of personal injury in the city. If you have fallen victim to this sort of crime, you can find your defense by hiring the right Miami personal injury lawyer.

Personal injury attorneys