When a couple decides to end their marriage there are several types of divorce that they can choose from.

No fault divorce

With this type of divorce the grounds for ending the marriage is irreconcilable differences. This means that either the wife or husband can end the marriage without stating a reason except irreconcilable differences. This cause for a divorce can mean anything from simply deciding that they no longer want to be married to one of them cheating. It is virtually impossible to stop the divorce when using this type since either one may initiate the proceedings to get a divorce. In states that have community property the bad actions of the wife or husband will not affect the fifty-fifty distribution of the property. The no fault divorce also cuts back on the time that will be needed to appear in court because the judge will not have to look at the behavior of the wife or husband to decide whether or not to grant the divorce. If there are children the judge may need to hear arguments to decide custody, visitation, and child support.

Uncontested divorce

This type of divorce is granted without the wife or husband having to go to trial. It implies that the spouses have no disagreements or disputes about ending the marriage, that both have been able to work out any differences and have negotiated a settlement without having to appear before the judge. It can also be considered an uncontested divorce if one files the papers and the other one fails to file a formal response. This type of divorce is generally cheaper and quicker than other types of divorces, especially ones that are contested.

Contested divorce

With this type of divorce there are major disagreements between the wife and husband that cannot be resolved outside of mediation and possibly court. If they have to go to court the judge will be the one that will decide what is fair. This type of divorce can be expensive and involve lengthy appearances in court. It can also take a long while for the divorce to be granted.

Divisible divorce

In this type of divorce the marriage will be terminated but other issues that are generally settled during the divorce will remain unsettled. Generally child support, alimony, division of property and debts, visitation, and custody are decided before the divorce is granted but in a divisible divorce these issues may be decided after the marriage has been terminated. Many couples choose this type of divorce if one party wants to remarry without waiting weeks, or even months for the divorce to be finalized.

If you want to terminate your marriage talk to a divorce lawyer to find the one best suited for your situation.

Car accident compensation claims can be a complex and tedious process. In this article, you will learn how to proceed after being injured in a car accident resulting from another driver’s negligence. These instructions will help injured victims begin the process of recovering compensation through a personal injury claim.

Knowing the proper steps to follow after a car accident injury can give you an advantage when it comes to filing a personal injury claim against a negligent party. Continue reading to learn more about this process and what you should do if you were just injured in a car accident as a passenger, or at the fault of another driver.

Steps Towards Filing an Injury Compensation Claim:

As soon as a person is hit or involved in a car accident that is not their fault, never leave the scene. There are several responsibilities to see through first in order to accurately handle a compensation claim. Primarily, understand that you should NEVER admit any liability at the scene of the crime when talking to the opposing driver, police, paramedics, or witnesses.

The first thing to do is call for an ambulance and receive immediate medical assistance at the accident site; be sure to do this even if you think you are not hurt. If you do not have a medical record on file, you will have a harder time trying to obtain compensation for your damages.

Once you hang up and emergency services are on their way, immediately call the police. It is vital to make a police report at the scene of the crime, even if the at-fault driver drove off. It is just as important to get a medical report on file at the scene of the crime as well.

Do both these tasks before anything else. If the medical response team believes you require extended medical care, allow them to transport you to the nearest hospital. Once you are discharged from the hospital, another series of important steps need to be accomplished and completed.

Even if you are not discharged from the hospital, as soon as you are healthy enough to make a phone call, proceed to the next series of steps. If a person is in a coma or incapacitated, a friend or family member can complete these next vital steps.

The first thing you need to do, once you have filed a police report and received medical care, is to call a personal injury law firm as soon as possible. When we say “as soon as possible”, we mean the same day as the accident, or the following day. In most states, there is a statute of limitations decreeing a legal amount of time that a person has to file an injury claim against another party. If you wait too long, you may not be eligible for compensation.

Once you are on the phone with a personal injury attorney, you are in good hands. They will handle and organize every single detail of your case. This includes gathering all necessary documents; such as police reports, medical records, witness statements, expert testimonies, and more. They will also conduct all communications with your insurance company and the opposing insurance adjusters; as well as, opposing counsels, judges, stubborn doctors, and more.

Racquetball can be played three different ways. Versions include Singles Play (between two players), Doubles Play (between two teams of two players), and Cut Throat, which involves three players. Tournament play usually involves either Singles or Doubles play. Regardless of the type of play, these are the basic Rules.

Play begins with the server standing in the serve zone and serving the ball to the opponent. To serve, the server must first bounce the ball and then strike it with the racquet. The ball is put into play after making contact with the Play Wall first and then passing into the rear half of the court. In it’s flight, the ball may strike one side wall, but no more. If it hits three surfaces including the ceiling or back wall before bouncing, the serve is not good (called one fault) and the ball is not in play. Also, a serve that does not carry beyond the Short Line of the Service Zone is also not good (fault). Additionally, the ball cannot hit a side wall, floor or ceiling before the Play Wall when attempting to serve. The server is given two opportunities to put the ball into play. If the server hits two faults in a row, the player returning serve takes over in the service zone and the original server assumes the return of a serve position.

To return serve, stand in the middle of the court (equal distance between each side wall) approximately one arm and racquets length away from the backwall. Return serve by striking the ball before the second bounce. The ball must travel to the Play Wall for it to be a good return of serve. The ball may hit ANY surface except the floor on the return as long as it hits the Play Wall before bouncing.

The Rally

Once the ball is in play, each player alternates hitting the ball until one misses the ball or hits an illegal shot. Players try to earn points or win the serve by putting an end to a rally. Often this is done when a player’s shot hits the front wall at its lowest point, causing the ball to roll out, rather than bounce back into the playing area (called a killshot or rollout). Points are also earned when rallies end with an error, or a “Skip Ball,” i.e. when the ball makes contact with the floor before reaching the Play Wall.

Once the ball is in play, the walls and ceiling can be used for shot variations. Points are scored when after serving the ball, the server wins the rally. If the player returning serve wins the rally, the result is a sideout, no points are scored for either player and the player who won the rally gets to serve. Whoever wins the rally always serves next. Matches are typically two games to 15 points and a tiebreaker to 11 if needed.

Hinders are stoppages of play, and result in the replay of the point. It is your responsibility to give your opponent enough room to hit the shot the way they want to hit. You must hive them a straight shot to the front wall as well as the angle, which would result in a crosscourt shot to the opposite back corner. Typical hinders are: A ball striking any part of the court, which results in an erratic rebound (fan vents, door knob, lights, etc.), Accidentally hitting opponent with the ball as it is heading toward the front wall, Unintentionally contacting opponent while attempting to make a play on the ball, Screening opponent’s view of the ball or having the ball pass between one’s legs. Basics to remember once you have started playing a game are: Only the server scores points, The ball can only bounce once, The ball must return to the front wall after being hit.

Some powerful tips for excellent racquetball play are Dominating center court will allow you to capitalize on every mistake your opponent makes. At center court you have maximum scoring options from effective shots and you can also cover your opponent’s best shots easier. However, there are times when you must relinquish center court. The rules state that you must always give up your position to give your opponent a fair chance to hit the ball. Also, Two of the best shots for enabling you to take control of center court are the ceiling ball and the pass or down the line shot. Both these defensive shots will require your opponent to move to back court to return the ball, thus allowing you to move to center court.

So what can go wrong with your trolley I hear you ask?

Well a short list would include starting and stopping, not completing the round, maybe quitting all together! So how to identify possible problems early and save you more cost of repair on major electrical components.

Intermittent Faults.

If you find your trolley has an intermittent fault this can normally be cause buy a break down of one or more electrical components, example the roller switch fitted in the handle to control speed is a carbon track potentiometer which over time will wear. This wear will make or break your trolleys electrical circuit causing a starting or stopping action and you should change this part straight away do not continue to keep playing with your trolley which could result in a controller fault.

In addition you may have worn or low brushes in the motor, you will normally find symptoms of your trolley not starting at all, if you give it a shake or kick (not recommended) the trolley will start and run for some time then stop again. Unfortunately most trolleys today have the brushes built inside and can be an expert job to change but you should change them before more damage can occur.

Other less known starting and stopping issues can come from wiring or the safety on/off switch. This will take some more sorting out a process of working through your cart bit by bit until you find the weak area you may even want to do away with some of the plugs and solder some of the wire together. Again I would recommend expert advice in this area.

Battery Faults.

Battery’s cause some fake trolleys faults, for example you may find your trolley runs along fine for 9 holes then all of a sudden stops. You turn off your cart then back on to find your trolley working again. The first thing you think about is ahhh I have a trolley fault but in fact you may have a low battery voltage issue.

‘The Tech Bit’ Modern carts are designed to cut out the circuit board at 9.7 volts giving that your 12 volt battery starts at about 13.8 ish volts and drops under load over the round to 10 ish volts you have no problem if you battery is old then it may drop below 9.7volts were your cart will stop. Turning off the cart re-sets the cart and allows the battery voltage to recover, so the cart will start again making it look like a trolley fault!!!!

If this is happening then its a good idea to have you battery tested using only lead acid battery test equipment never ever ‘drop test’ your battery.

If you do not have a tester or cannot get the use of one then best to borrow an already good battery from a friend or Professional.

This brings me to my next part the borrowed battery. Almost all of the carts now that I see about 70% say have the Anderson Torberry Connections fitted to the battery and cart for attachment and removal. The biggest problem with these connections is that they can fit black to red and v’v. If you reverse the poles then you will for sure blow the controller (unless polarity protected). How can this happen I hear you ask, well its simple the Anderson Connectors can switch sides when putting them together so red on right and black on left and other supplier red on left and black on right. If you borrow a battery with opposite connections and plug into your cart then BANG controller is gone and this can be expensive about £60 to replace in my workshops.

It’s surprising as well as shocking to see the shooting rate of divorce cases in the society. There used to be a time when it was considered a tabooed aspect of one’s life but nowadays, we have got used to it. And on top of that, there is not even the shortage of such people who feel proud in increasing the numbers of such cases in their lives. It’s quite obvious that a person will file a divorce only if the marriage is not happy. With the modern age, people should have become more understanding with increased power of tolerance in their relationships. But the river seems to be flowing in the opposite direction.

Whose fault is that? The fault of technology or the fault of money. The fault of lifestyle or the fault of culture. In my opinion, none of these reasons can be set as curtains behind which such cases prop up. No and an absolute no! Because all the things mentioned above are feeling less and created by man himself. How could the owner be controlled by the thing he created himself?

Yes, the rising graph of such cases held the people responsible themselves in 90% of the cases. Marriage, a bond for the permanent life, that’s what mentioned at the time of marriage, is made a temporary relationship. Man made the money not the vice versa so, why he is getting into its trap and forgetting his roots. And it would not be wrong to blame those celebrities making records in the number of marriages and media waiting for the news of their divorce and spicy stories about the next marriage. What example do they set for us? Do you think a person not satisfied with his relationships can ever be satisfied with the power of money? Better, we common people look deep inside ourselves and understand the resolution for this. And this applies for both man and woman.

A man can become pregnant and a woman can become a father in this scientific world but the instincts can’t ever be changed. Divorce should be the last option as even bible also stands against it. Not only mental depression and shock to the divorcees but the badly affected part is the children they own as they become estranged and insecure in many ways any security be provided by the court.

The lack of commitment is the root cause of the increasing rate of divorces. Who doesn’t fight and which place and person of the world is devoid of misunderstandings? But, it’s the love, respect, tolerance for each other’s feelings and emotions which keeps a relationship intact and forever green and going.

When it comes to falling trees, the blame can be a bit different for each situation. Fallen trees are one of the top neighbor disputes, so make sure to have good communication with your neighbor if caught in this situation. Say that you had a horrible wind storm that knocked your tree over into the neighbors roof. Technically that is considered an act of god, and you would not be held responsible even though it is your tree. The house that was damaged by the tree, should be covered by that persons homeowners insurance.

In that situation no one is to blame for fault, because it was an act of god. But in some situations minor details can change who receives blame. For example, if the tree were to fall on the house while the owner was trimming branches, that would likely become the owner of the trees fault. Also if the owner of the tree showed negligence when maintaining the tree properly, they could be at fault. It is hard to prove anything after the tree has fallen, so in most cases the victims homeowners insurance will cover repair costs.

A tree falling and damaging someone’s property can ruin a good relationship between neighbors. If all conditions are ideal, and it really was an act of god, then it was not the owners fault and the insurance from the damaged house should cover costs. To keep a good relationship with your neighbor it may be a good idea to offer a little money to help cover the costs of repair, or the costs of the deductible.

All women desire to look good on all occasions. It is the reason they agonise over what to wear for a special occasion, or when they are getting ready to meet someone new or important. However, most of the time women find themselves wearing the same dress, top, skirt and jeans that they like. How can they make the wardrobe more versatile? The solution to this problem is fashion accessories. Fashion accessories will change the look of the same outfit dramatically.

When selecting accessories, there are some tips on how to select fashion accessories to camouflage figure faults to achieve pleasing line and proportion:

1) A Woman With Round Face

Necklace: When wearing a necklace, use a necklace that is longer with V-shaped or longer design.

Earrings: In order to look taller and longer, choose earrings that are oval, rectangle shape. Dangling earrings are suitable as well.

2) A Woman With Long Narrow Face

Necklace: Use a necklace that is round in shape and shorter in length. String of pearls would also be suitable. Alternatively soften the “V” neckline with scarf.

3) A Woman With Long Neck

Necklace: Advisable to use chokers or jewel-length necklaces to shorten neck. Higher necklines should be used.

Earrings: Slightly bigger rounded earrings will flatter such face shape.

4) A Woman With Short Neck

Necklace: Several longer necklaces to create a layered effect to add length. Avoid chokers and turtle-neck tops.

5) A Woman With Broad Shoulders

Necklace: Use longer necklaces to create vertical lines. Scarf is also suitable.

Earrings: Use slightly longer designs.

6) A Woman With Heavy Bust

Necklace: Avoid long necklaces which dangle over the cleavage.

Belt: Avoid wide belts as they shorten the waist and make the bust appear larger.

Brooch: Use brooches to the side to direct attention away from bust.

7) A Woman Who is Short-Waisted

Necklace: Use shorter jewelry to create more distance from jewelry to waist.

Belts: Avoid wide belts. Wear tops outside, belted. Wear belt lower than normal waistline if possible.

8) A Woman Who is Long-Waisted

Necklace: Wear longer necklines to shorten distance from jewelry to waist.

Belt: Use wide belts or sashes. Use belt slightly above waist.

Animal and flower motifs eg. elephants, leaves, birds, coins, and owls and huge retro rings are very popular this season. However, a woman who is very small build might not be suitable to wear such huge items as they will be over-powered by the jewelry.

Wearing the right fashion jewelry and fashion accessories, not only enhance the outfit but could also enable the women’s body faults to be less obvious.

When choosing auto insurance there are several options to keep in mind when trying to build a policy that best suits your needs. Everyone knows that in almost all of the states, to drive a vehicle legally, you must have at least liability coverage on your car – but what about other types of insurance? Well, one of the most important options is your collision coverage.

If you finance a vehicle for purchase or lease, your lender is going to insist that you have collision coverage, and the more the better. For example, in the state of New Mexico, if you were to lease a Cadillac, the company responsible for the lease will likely insist that you purchase the maximum collision coverage available. There are levels of collision coverage that you must become familiar with to make the correct choice for your situation.

The least amount of collision offered would be called the “Limited” option. If you choose this option and you rear-end another car, which would be your fault, your Limited policy would pay nothing. If you got rear-ended, making this the other person’s fault, you would pay your chosen deductible, and then the insurance company would pay the rest. So, if you are better than 50 percent responsible for a collision and you have Limited collision coverage, you foot the bill.

The middle of the road collision choice is called the “Standard” option. In this instance, if you broad-side another car or they side-swipe you, you will be responsible for your chosen deductible, ranging anywhere from $250 on up to $1000. Basically, with the Standard option, what you pay is the same no matter whose fault the accident is. Some states offer a zero deductible choice, but the premium rates would be considerably higher. The Standard collision option is most commonly chosen by the average driver.

The highest and most expensive collision option is called the “Broad Term” option. In this instance, if you are responsible for the collision–or at least better than 50% at fault, you will be responsible for your deductible and the insurance company will cover the rest. If you are not at fault for the collision and you have Broad Term collision coverage, you pay nothing. The insurance company would pay for everything for you at 100%.

Also keep in mind that the insurance company is only responsible to cover damages up to the value of the car. So, if you really get into a huge pile-up and your car is crushed and will cost more to repair than its actual value, it will be declared totaled–just food for thought.

So, shop carefully for your auto insurance policy, choose your options wisely, be a safe driver, and make sure that you are covered as best as your budget allows.

In the State of California, if you are in an automobile accident and you were at fault and you did not have enough insurance to cover all damages you caused, you will likely lose your driver license. Why? Well, the State of California has what is called a Financial Responsibility Law. The law provides that if you were at fault in an automobile accident you are responsible for all damages. If you have insurance to cover the damages, then your license is safe. But if you either did not have insurance or your insurance coverage was not enough to cover all damages you caused, you will likely lose your license.

If you had insufficient insurance, the person you injured will get a lawyer and the lawyer will sue you. If you were at fault, that person will likely get a judgment against you (unless he or she had a really bad lawyer). If you don’t pay that judgment within 30 days, the person who got the judgment against you goes to the California Department of Motor Vehicles, also known as the DMV, and has the DMV issue you a DL 30 license suspension until such time as you pay the judgment in full.

You don’t have to be drunk. You don’t have to be driving recklessly. If you were driving, sober and with utmost care, and you get into an accident that is your fault and you don’t have enough insurance to cover damages you cause to another person, you can get a DL30 license suspension. Not only your license, but also the license of the owner of the car can be suspended.

In effect, California’s Financial Responsibility Laws force you to pay a judgment caused from an at-fault accident or else you won’t be able to drive. What about if you need to drive and cannot afford to pay the judgment? Do you have to ride the bus?

Fortunately, the federal bankruptcy laws provide you with a remedy of relief. Will bankruptcy reinstate a DL30 suspension? Yes it will. If you have received a DL 30 license suspension, you can file bankruptcy on the judgment and then there is no more basis for the DL 30 license suspension.

In the past, some state DMV’s have attempted to enforce DL-30 license suspensions even after a bankruptcy. You no longer have to worry about that. The United States Supreme Court has squarely laid that issue to rest, holding that a state may not enforce a DL30 license suspension based on an unsatisfied judgment after a bankruptcy. To do otherwise would frustrate the purpose and spirit of the bankruptcy laws, which is to eliminate debt (including judgment debts) so you can have a fresh financial start.

“He’s in a nursing home,” my friend got teary eyed. Her best friend, John, became addicted to pain pills after a bad fall that broke his neck earlier this year. “He doesn’t have insurance. He was getting therapy at Beaumont hospital and making progress, and didn’t have the coverage to continue. The nursing home is really far, I haven’t been able to see him,” she explained. I’ve heard stories like this before. My other friend was surprised. Many people with Spinal Cord Injury (SCI) cannot get the adequate care they need to recover. It’s so tragic. “We had a fundraiser, and raised $11,000 dollars. His wheelchair alone cost $37,000,” she continued.

Lifetime costs of someone with SCI are anywhere from $1,000,000 to $5,000,000, depending upon their level of injury. In Michigan, we have something called “no-fault” insurance. This usually applies to automobile coverage, in which accident victims receive direct payment from the company with which they themselves are insured. No matter whose fault it is. It relieves a lot of tension, and avoids hassle.

I also had an accident. While crossing the street on my way to school, at sixteen years old, I was hit by a car. It was auto-related. I was a minor, and my father had insurance at the time. Thus, for life, I am covered for physical therapies, or any appointments related to my accident because Michigan has no-fault insurance.

We are one of a few states that has it. There is a battle to try to ban it. If that were to happen, people would have a limited number of physical therapy sessions per year. I’ve completed maybe several hundred hours of physical therapy. A “fixed” number of therapy sessions would not be enough. How could anyone get out of a wheelchair and walk, with a fixed number of therapy sessions? With a spinal cord injury it would be hard.

The problem is, people like John, and others whose stories I’ve heard either exhaust their savings, or simply cannot afford to get well. I met a guy who fell from a tree while hunting, and became spinal cord injured. He was athletic, a gym teacher, and no one would’ve thought. He had a fundraiser, as did John, but how much can fundraisers cover with the outrageous rising costs of healthcare and physical therapy? It’s almost as if you have to be a millionaire, to get injured. Only then could you afford it.

Motor vehicle crashes account for 40.4% of reported SCI cases. The next most common cause is falls at 27.9%, acts of violence at 15.0%, recreational sporting activities 8.0%, and other/unknown 8.5% – according to Mikeutley.org

Physical therapy can cost anywhere from $100-150 dollars per hour. Sometimes more! I’m blessed to have coverage. I receive physical therapy now two times a week. I go to the gym alone the other times. I thank God I’m healthy. Now I am able to walk with forearm crutches. I’m hoping to recover enough to walk with no walking device. But what if my circumstances were different? What if my injury had been worse? What if my accident wasn’t auto-related, or my father didn’t have insurance? What if I was not in Michigan, and in a state that didn’t have no-fault?