5 ways to save on auto insurance

Even a small annual savings on car insurance can pay off over several years. There are many savings tips out there, but here are five ways you can save on your car insurance rates that you may have overlooked.

1. Multi-policy discounts for renters

Look for an insurance company that will give you a multi-policy discount for carrying both your auto and renters insurance with them. Home owners can usually save money by combining auto and home insurance policies together, but some companies will also extend multi-policy discounts to tenants who carry their renters insurance.

2. Keep up with the changes in your life

Small changes in your life could result in a discount, or a reduction in your car insurance premium. For example, if you've made the last payment on your auto loan, be sure to remove Guaranteed Auto Protection (GAP) coverage from your policy.
If your vehicle is stolen or involved in a wreck, GAP insurance covers the difference between a car's actual and the amount you owe to the leasing or finance company. Maintaining this coverage after your vehicle has been
Likewise, if your commute changes, or you stop using your car for business, make sure to let your auto insurance company know. Every change could mean fewer dollars spent.

3. Good student discounts

Parents often inquire about the discount for driver's education, but the real savings is the good student discount. Hold your children accountable to make good grades, and it will keep costs down.

4. Ditch the kids as soon as you can

No one wants to create a hardship for their children, but your teen driver can drive up your auto insurance cost. You don't want their tickets or accidents to cause your premiums to rise. Plus, your children don't have as many assets to protect as you do, so they can afford to carry lower liability limits. Set them up on their own auto insurance policy, and subsidize the cost.

5. Trim auto insurance coverage when your needs decrease

Unless it is a collectible, sell a car you are not using. The cost of keeping an unused or seldom-used vehicle ready to go far outweigh the cost of renting one when you need it.
Ryan Hurlbert
Ryan Hurlbert lives and works in the Pacific Northwest. As an insurance agent, he produced and presented educational seminars on various topics from insurance basics to strategies for dealing with teen drivers. He has researched and produced marketing materials in the insurance, auto, and financial industries. Ryan majored in business and received his Bachelor of Science degree from Portland State University.

The basics of universal life insurance

The basics of universal life insurance

Cash value life insurance offers the opportunity to earn interest while also protecting your loved one's financial future. Of all the cash value policies available, universal life insurance is often considered the most flexible. These plans give policyholders greater freedom to change their benefit level and even reduce their premium payments.

Understanding universal life insurance

Universal life insurance is a type of permanent life insurance. That means the policy lasts for as long as you live, as long as premium payments are made. In addition, permanent life insurance plans earn cash value over the course of the policy. This money can then be used to pay for expenses such as college tuition, business start-up costs or other personal needs.
While other types of permanent life insurance may have fixed premiums and benefit amounts, universal life insurance policies allow individuals the flexibility to adjust these levels. This is possible because of the way in which these plans are administered. Premiums are deposited into a policy account which earns interest. The cost of the insurance and any other charges are deducted from the account. Once the account has gained a significant amount of interest, policyholders can reduce or even stop their premium payments and allow the interest to pay the cost of insurance instead.

Pros and cons of universal life insurance

For many individuals, the greatest benefit of universal life insurance is the ability to change premium payments as needed. Rather than having their policy lapse for lack of payment, those facing a difficult financial situation can let the interest in their account maintain their insurance. In addition, the death benefit is not fixed and may be adjusted as well.
Although universal life insurance can be a convenient financial product, it does not come without risk. By using the interest to pay for the insurance policy, you will be reducing the cash value. Should the interest become insufficient to pay the premiums, your policy may lapse. According to the Life and Health Insurance Foundation for Education (LIFE), some universal life insurance policies come with a secondary guarantee that can prevent the cancellation of your plan.

Who should buy universal life insurance

Like other forms of permanent life insurance, it can take time for universal life insurance plans to build cash value. The Oregon Insurance Division says it can take anywhere from three to five years for a plan to create cash value. Therefore, the division suggests these plans are best for those who can continue to make premium payments for 15 to 20 years.

Since universal life insurance is dependent upon market conditions, look for a plan with a guaranteed rate of return. The cash value of these plans is dependent on market conditions, and policies with a guaranteed return can provide peace of mind that your investment will continue to grow.
Overall, universal life insurance is best for individuals ready to make a long term commitment to their policy but who want the flexibility to make changes down the road. Consider one of these plans as a way to purchase financial protection and build cash value on a payment schedule that works best for you and your family.

AT&T Wireless Services

AT&T Wireless Services, Inc., formerly part of AT&T Corp., was a wireless telephone carrier in the United States, based in Redmond, Washington, and later traded on the New York Stock Exchange under the stock symbol "AWE", as a separate entity from its former parent.
On October 26, 2004, AT&T Wireless was acquired by Cingular Wireless, a joint venture of SBC Communications and BellSouth, to form the largest wireless carrier in the United States at the time. On 2004-11-16, AT&T Wireless stores were rechristened under the Cingular banner. The legal entity "AT&T Wireless Services, Inc." was renamed "New Cingular Wireless Services, Inc."^[1]
In late 2005, SBC (the majority partner in Cingular) acquired the original AT&T, and rebranded as "the new AT&T". Cingular became wholly owned by the new AT&T in December 2006 as a result of the new AT&T's acquisition of BellSouth. After the merger, Cingular was renamed AT&T Mobility in early 2007 and remained the largest wireless carrier until 2009 when Verizon acquired Alltel to retake its position as the number one carrier.

History

AT&T Wireless began as McCaw Cellular, and was based in Redmond, WA, United States. It was founded by Craig McCaw.
In 1994, AT&T purchased McCaw for $11.5 billion and kick-started their cellular division with 2 million subscribers.^[2][3] That year, Steven W. Hooper, a long time McCaw Cellular executive, was tapped by AT&T to be the CEO of the newly acquired division. Under his direction, AT&T Wireless grew to be the nation's largest cellular provider by the end of 1997, at which point Hooper and many of the remaining McCaw era executives departed. By 1999 and 2000 the cellular industry began to consolidate and Verizon Wireless and Cingular Wireless became the first and second largest national carriers.
The year 1999 also brought John D. Zeglis as chief executive in October, followed a few months later by Dan Hesse's departure, who had been head of the division since 1997. Over the next year and a half all six McCaw regional presidents left the declining company.
In April 2000, AT&T Wireless became a separately traded entity with the world's largest initial public offering at that time. Just over a year later in July 2001, AT&T Wireless became a separate company rather than a division of AT&T Corp.
In 2003, AT&T Wireless was granted several mobile licenses for Caribbean countries including Barbados, Grenada, Saint Lucia, and Saint Vincent and the Grenadines.^[4] AT&T Wireless' decline climaxed in 2003 with the FCC mandating the allowance of porting numbers to other carriers. AT&T Wireless experienced a mass exodus of many customers who were fed up with years of degrading service and poor coverage. By the end of 2003, AT&T Wireless faced a public relations nightmare when a new system for adding subscribers and porting numbers in/out was implemented and botched. Realizing that it faced an impossible situation, AT&T Wireless Services, Inc began accepting bids in early 2004 to be acquired.
As of January 1, 2004, the largest single shareholder of AT&T Wireless was Japan's NTT DoCoMo, which was one of the first to place a bid to buy the company.
In the middle of 2004 much of the Caribbean operations and Bermuda were agreed to be sold to Digicel Group.

Acquisition history

On February 13, 2004, AT&T Wireless accepted bids for acquisition of the wireless company. The two top bidders were British carrier Vodafone and American competitor Cingular. Cingular was owned by two Baby Bells; 40% by BellSouth and 60% by SBC Communications, Inc. Vodafone owns 45% of Verizon Wireless and had it succeeded in the bid, their share of Verizon Wireless would then have been sold to parent company Verizon Communications. Cingular emerged victorious February 17 by agreeing to pay more than $41 billion, more than twice the company's recent trading value, to acquire AT&T Wireless. Some analysts have said that although Vodafone, the world's largest mobile operator, was unsuccessful in acquiring the company, it was nonetheless successful in forcing a competitor to overpay for the acquisition of AT&T Wireless.
The sale received US government approval and closed on October 26. The AT&T Wireless brand was retired by Cingular on April 26, 2005, six months after the close of the merger. This was per a pre spin-off agreement with AT&T Corp. that stated that if AT&T Wireless was to be bought by a competitor, the rights to the name AT&T Wireless and the use of the AT&T name in wireless phone service would revert back to AT&T Corp.
AT&T Wireless' prepaid services, Go Phone, was adopted by Cingular Wireless after the merger closed, and is still in use today by the current AT&T Mobility.

California Lemon Law

California Lemon Laws and the federal Lemon Law (the Magnuson-Moss Warranty Act) provide for compensation to California consumers of defective automobiles and trucks  and other vehicles and products including motorcycles, RV’s, boats, computers and other consumer appliances and products. To qualify under the California Lemon Law or the federal Lemon Law, you must generally have a product that suffered multiple repair attempts under the manufacturer’s factory warranty. Lemon Law compensation can include a refund, replacement or cash compensation. If you think you qualify for a Lemon Law, click here for a free California Lemon Law case review or for an immediate evaluation, simply fax your repair records to 866-773-6152. An experienced Lemon Law attorney will personally review your inquiry and records and quickly contact you for a free consultation.
For other useful California Lemon Law information, click here to visit the California section of our State Lemon Laws Statutes and Guide pages. Or just keep reading below for the entire California Lemon Law, or click here to read the federal lemon law.

California Lemon Law

Civil Code Section 1793.22 - 1793.26
Sale Warranties
Tanner Consumer Protection Act
Used Car Disclosures

alifornia Lemon Law 1793.22.

(a) This section shall be known and may be cited as the Tanner Consumer Protection Act.
(b) It shall be presumed that a reasonable number of attempts have been made to conform a new motor vehicle to the applicable express warranties if, within 18 months from delivery to the buyer or 18,000 miles on the odometer of the vehicle, whichever occurs first, either

(1) the same nonconformity has been subject to repair four or more times by the manufacturer or its agents and the buyer has at least once directly notified the manufacturer of the need for the repair of the nonconformity or
(2) the vehicle is out of service by reason of repair of nonconformities by the manufacturer or its agents for a cumulative total of more than 30 calendar days since delivery of the vehicle to the buyer. The 30-day limit shall be extended only if repairs cannot be performed due to conditions beyond the control of the manufacturer or its agents. The buyer shall be required to directly notify the manufacturer pursuant to paragraph (1) only if the manufacturer has clearly and conspicuously disclosed to the buyer, with the warranty or the owner's manual, the provisions of this section and that of subdivision (d) of Section 1793.2, including the requirement that the buyer must notify the manufacturer directly pursuant to paragraph (1). This presumption shall be a reputable presumption affecting the burden of proof, and it may be asserted by the buyer in any civil action, including an action in small claims court, or other formal or informal proceeding.

(c) If a qualified third-party dispute resolution process exists, and the buyer receives timely notification in writing of the availability of that qualified third-party dispute resolution process with a description of its operation and effect, the presumption in subdivision (b) may not be asserted by the buyer until after the buyer has initially resorted to the qualified third-party dispute resolution process as required in subdivision (d). Notification of the availability of the qualified third-party dispute resolution process is not timely if the buyer suffers any prejudice resulting from any delay in giving the notification. If a qualified third-party dispute resolution process does not exist, or if the buyer is dissatisfied with that third-party decision, or if the manufacturer or its agent neglects to promptly fulfill the terms of the qualified third-party dispute resolution process decision after the decision is accepted by the buyer, the buyer may assert the presumption provided in subdivision (b) in an action to enforce the buyer's rights under subdivision (d) of Section 1793.2. The findings and decision of a qualified third-party dispute resolution process shall be admissible in evidence in the action without further foundation. Any period of limitation of actions under any federal or California laws with respect to any person shall be extended for a period equal to the number of days between the date a complaint is filed with a third-party dispute resolution process and the date of its decision or the date before which the manufacturer or its agent is required by the decision to fulfill its terms if the decision is accepted by the buyer, whichever occurs later.
(d) A qualified third-party dispute resolution process shall be one that does all of the following:

(1) Complies with the minimum requirements of the Federal Trade Commission for informal dispute settlement procedures as set forth in Part 703 of Title 16 of the Code of Federal Regulations, as those regulations read on January 1, 1987.
(2) Renders decisions which are binding on the manufacturer if the buyer elects to accept the decision.
(3) Prescribes a reasonable time, not to exceed 30 days after the decision is accepted by the buyer, within which the manufacturer or its agent must fulfill the terms of its decisions.
(4) Provides arbitrators who are assigned to decide disputes with copies of, and instruction in, the provisions of the Federal Trade Commission's regulations in Part 703 of Title 16 of the Code of Federal Regulations as those regulations read on January 1, 1987, Division 2 (commencing with Section 2101) of the Commercial Code, and this chapter.
(5) Requires the manufacturer, when the process orders, under the terms of this chapter, either that the nonconforming motor vehicle be replaced if the buyer consents to this remedy or that restitution be made to the buyer, to replace the motor vehicle or make restitution in accordance with paragraph (2) of subdivision (d) of Section 1793.2.
(6) Provides, at the request of the arbitrator or a majority of the arbitration panel, for an inspection and written report on the condition of a nonconforming motor vehicle, at no cost to the buyer, by an automobile expert who is independent of the manufacturer.
(7) Takes into account, in rendering decisions, all legal and equitable factors, including, but not limited to, the written warranty, the rights and remedies conferred in regulations of the Federal Trade Commission contained in Part 703 of Title 16 of the Code of Federal Regulations as those regulations read on January 1, 1987, Division 2 (commencing with Section 2101) of the Commercial Code, this chapter, and any other equitable considerations appropriate in the circumstances. Nothing in this chapter requires that, to be certified as a qualified third-party dispute resolution process pursuant to this section, decisions of the process must consider or provide remedies in the form of awards of punitive damages or multiple damages, under subdivision (c) of Section 1794, or of attorneys' fees under subdivision (d) of Section 1794, or of consequential damages other than as provided in subdivisions (a) and (b) of Section 1794, including, but not limited to, reasonable repair, towing, and rental car costs actually incurred by the buyer.
(8) Requires that no arbitrator deciding a dispute may be a party to the dispute and that no other person, including an employee, agent, or dealer for the manufacturer, may be allowed to participate substantively in the merits of any dispute with the arbitrator unless the buyer is allowed to participate also. Nothing in this subdivision prohibits any member of an arbitration board from deciding a dispute.
(9) Obtains and maintains certification by the Department of Consumer Affairs pursuant to Chapter 9 (commencing with Section 472) of Division 1 of the Business and Professions Code.

(e) For the purposes of subdivision (d) of Section 1793.2 and this section, the following terms have the following meanings:

(1) "Nonconformity" means a nonconformity which substantially impairs the use, value, or safety of the new motor vehicle to the buyer or lessee.
(2) "New motor vehicle" means a new motor vehicle that is used or bought for use primarily for personal, family, or household purposes.
"New motor vehicle" also means a new motor vehicle that is bought or used for business and personal, family, or household purposes by a person, including a partnership, limited liability company, corporation, association, or any other legal entity, to which not more than five motor vehicles are registered in this state. "New motor vehicle" includes the chassis, chassis cab, and that portion of a motor home devoted to its propulsion, but does not include any portion designed, used, or maintained primarily for human habitation, a dealer-owned vehicle and a "demonstrator" or other motor vehicle sold with a manufacturer's new car warranty but does not include a motorcycle or a motor vehicle which is not registered under the Vehicle Code because it is to be operated or used exclusively off the highways. A demonstrator is a vehicle assigned by a dealer for the purpose of demonstrating qualities and characteristics common to vehicles of the same or similar model and type.
(3) "Motor home" means a vehicular unit built on, or permanently attached to, a self-propelled motor vehicle chassis, chassis cab, or van, which becomes an integral part of the completed vehicle, designed for human habitation for recreational or emergency occupancy.

(f)

(1) Except as provided in paragraph (2), no person shall sell, either at wholesale or retail, lease, or transfer a motor vehicle transferred by a buyer or lessee to a manufacturer pursuant to paragraph (2) of subdivision (d) of Section 1793.2 or a similar statute of any other state, unless the nature of the nonconformity experienced by the original buyer or lessee is clearly and conspicuously disclosed to the prospective buyer, lessee, or transferee, the nonconformity is corrected, and the manufacturer warrants to the new buyer, lessee, or transferee in writing for a period of one year that the motor vehicle is free of that nonconformity.
(2) Except for the requirement that the nature of the nonconformity be disclosed to the transferee, paragraph (1) does not apply to the transfer of a motor vehicle to an educational institution if the purpose of the transfer is to make the motor vehicle available for use in automotive repair courses.

Asbestos Related Lung Cancer

In recent years lung cancer has become the leading cause of cancer deaths worldwide. Each year in the United States alone, over 170,000 people are diagnosed with the lung cancer. While men are at greater risk of developing lung cancer, the number of cases in women is steadily increasing.

The two most prevalent forms of lung cancer are non-small cell lung cancer (NSCLC) and small cell cancer (SCLC). NSCLC is more widespread than SCLC and accounts for 75 percent of all lung cancers; SCLC represents 20 percent of all lung cancer cases.

Lung Cancer There are three main types of NSCLC: adenocarcinoma, large cell carcinoma and squamous cell carcinoma. The most common form is adenocarcinoma, accounting for 40 percent of all NSCLCs. Adenocarcinoma stems from abnormal growth of cells that lines the alveoli. Large cell carcinoma is the least common form of NSCLC and develops in a number of different types of large cells. Squamous cell carcinoma, which accounts for 15 to 25 percent of NSCLC cases and is also known as epidermoid carcinoma, begins in the thin, flat squamous cells.
Diagnoses of these NSCLCs depend on the type of cancer cells that are present in the tumor(s), as well as the different manners in which the cancer metastasizes (spreads) and grows. Less common NSCLCs are carcinoid tumor, pleomorphic and salivary gland carcinoma.
Another form of asbestos cancer that is commonly confused with lung cancer, mesothelioma, affects the pleural lining that surrounds the lungs in its most common form, pleural mesothelioma. Mesothelioma, which is directly related to asbestos exposure, is extremely rare—only 2,000 to 3,000 new cases are diagnosed annually in the United States. Asbestos-related lung cancer that is not malignant mesothelioma is usually a form of SCLC.
While lung cancer is often thought of as a smoker's disease, smoking is not its only cause. There are a number of risks that may cause lung cancer, including age, smoking, and exposure to asbestos, radon or chemical agents such as Agent Orange or depleted uranium (DU).
Age - The likelihood of developing lung cancer increases with age. Few people under the age of 40 are diagnosed. In fact, most lung cancer diagnoses occur in people who are 45 or older, with a large number of those being 65 or older. Asbestos cancers have a long latency period, so most people aren't diagnosed until 20 to 40 or more years after exposure.

Smoking - Smoking is the most obvious risk of lung cancer. In short, the more cigarettes a person smokes, the more likely their chance of developing lung cancer. Long-time smokers who stop smoking, however, can reduce their chance of developing the disease. Some non-smokers can even develop the disease through second-hand exposure.
Asbestos Exposure - Workers involved in manufacturing, milling, mining or the installation and handling of asbestos products over long periods of time have the greatest risk of developing asbestos-related lung cancers. U.S. military veterans and shipyard workers, especially those who served in the Navy during World War II, are also at risk because of a high rate of exposure during the construction and operation of battleships.
People who have been exposed to asbestos are also at high risk of developing asbestosis, a chronic condition that causes restricted breathing due to scarring of the lungs. Although asbestosis itself is benign, it does increase one’s chance of developing lung cancer.
Chemicals and Gases - After smoking, radon is the second-leading cause of lung cancer in the U.S. Radon is a clear, odorless, naturally occurring gas that is in rocks and soil. Many people who develop lung cancer from radon were exposed to it in their homes. Each year, more than 20,000 people die of radon-related lung cancer.
Chemicals such as depleted uranium and Agent Orange also cause lung cancer, but these cases tend to be rare and are usually limited to people who served in the U.S. military. Agent Orange is an herbicide that was used in Vietnam to kill vegetation and expose the enemy. Soldiers in the Persian Gulf War were exposed to depleted uranium by coming into contact with it in tanks and vehicles, or by coming into contact with vehicles or bunkers that were hit by depleted uranium munitions.
Mesothelioma Treatment Lung cancer patients' prognoses depend on how advanced their cancer is, how or if it has metastasized, and their age and general overall health. Common lung cancer treatments include chemotherapy, radiotherapy or surgery. Some aggressive treatments include a combination of all three.
Early stages of lung cancer typically do not have severe symptoms, and the symptoms that are present are often similar to those of other common illnesses. Patients are sometimes mistakenly treated for other ailments while there's a more serious, underlying problem. Typical lung cancer symptoms include:

1. chest pain
2. cough or coughing up blood
3. fatigue
4. hoarseness
5. neck and face swelling
6. persistent chest, shoulder, or back pain that worsens with deep breaths
7. repeated bouts of bronchitis or pneumonia
8. shortness of breath
9. weight loss

Since these symptoms are similar to those of other diseases, it is necessary for a patient to see a doctor to determine the exact cause. The doctor likely will ask the patient many questions about his or her medical history, including questions about smoking, and asbestos or chemical exposure. Once diagnosed, the cancer will be staged and a treatment plan will be administered. Lung cancer staging is a determination of how advanced the cancer is. While a number of variables are taken into consideration when staging the disease, the most important factor is whether or not the tumor has metastasized. SCLC and NSCLC, however, are staged differently from one another.
Stages of SCLC Lung Cancer SCLC has just two stages—limited disease and extensive disease—because this type of cancer often spreads beyond the lung very early. In most instances, SCLCs are treated as advanced cancers even if there is no evidence that the cancer has spread.
Limited disease refers to the cancer being contained to only one lung, in nearby lymph nodes or in the pleural fluid surrounding the lungs. Extensive disease indicates that the cancer has spread to other part of the body outside the chest area.
Unlike small cell lung cancer, non-small cell lung cancer is divided into four different stages. This is common among other cancers as well. The more progressed the cancer has gotten, the higher the stage rating. The four stages of lung cancer are:
Stage 1 – Cancer is a relatively small tumor with no involvement of the lymph nodes, and no metastasis
Stage 2 – Cancer has moved into the pulmonary hilar or bronchial lymph nodes, but has not spread beyond the lungs.
Stage 3 – Cancer has spread to tissues in the chest and/or invaded lypmh nodes in the mediastinum, but has not yet fully spread through the body.
Stage 4 – Cancer has metastasized. It has spread outside the chest cavity and can be anywhere, the liver or even the brain.

Currently, there are three staging systems used for mesothelioma—the TNM, Butchart systems and the Brigham system. The TNM system, which is the most widely used, focuses on how much the cancer has spread, the size of the tumor and lymph node analysis. The Butchart system, which is much older than the TNM, focuses exclusively on the mass of the primary tumor. The Brigham staging system allows for four stages and it is based on whether the mesothelioma can treated or removed by surgery. It is also based on whether or not the body’s lymph nodes are involved.

Mesothelioma Settlements

What is the dollar value of a human Llife?
If you are like most ethical, caring people, you should be appalled and angered that any human being would even ask such a question. However, it is not a new concept. Both the Code of Hammurabi and Mosaic Law addressed the issue of compensation in cases of accidental death or dismemberment. Likewise, old Anglo-Saxon and ancient Scandinavian laws dealt with the questions of weregild, or "man-price" - sums of money that were paid to the victim or his family in personal injury cases.

Of course, anyone who understands the history of asbestos realizes that the recent epidemic of asbestosis and mesothelioma may argue it is not accidental. It is the direct result of gross negligence on behalf of a number of corporations who knew of the dangers of asbestos, but chose to proceed nonetheless. Despite the fact that there may be an ethical argument for considering such negligence criminal, the law in virtually all industrialized nations - including the U.S. - considers death and injury from asbestos a tort, or personal injury matter, and therefore a matter for the civil courts where monetary compensation for medical expenses, lost income and plain and suffering are remedies available under the law.

Mesothelioma Settlement or Damages?

Technically, a malignant malignant mesothelioma settlement is different from an award, or award of damages.. The word "settlement" usually means that the parties have settled out-of-court, either prior to commencement of court proceedings, during the trial at some point prior to the judge's ruling, or any time thereafter.
The offer of a mesothelioma settlement or the willingness to accept a settlement is often more a question of power than of justice. Either party to a lawsuit may offer to settle for a number of reasons; the defendant may wish to avoid negative publicity, or the expense of extended litigation. If the plaintiff's case is a weak one, or if the judge and/or jury appear to be leaning in favor of the defendant, the plaintiff's lawyer may advise him/her to accept a settlement. A plaintiff may also offer to settle simply to avoid the time, expense, and psychological and physical strain of a lengthy court proceeding.

On the other hand, if a defendant offers to settle when the plaintiff's case is going well, it may indicate that the defense expects to lose the case. If this is the situation, the plaintiff's attorney will either (A) recommend that s/he not accept the offer, or (B) attempt to negotiate the highest settlement possible.
In any event, the lawyer can only advise the client; s/he is obliged to act in accordance with the client's wishes, regardless of what the best course of action may be, or the lawyer may withdraw as counsel. If the plaintiff accepts a settlement, it constitutes a contract between him/her and the defendant in which the plaintiff agrees not to pursue or (in the case of a trial already underway) continue legal action. Once the mesothelioma settlement has been paid, both parties file a notice with the court that the case has been dismissed.
Because corporations may value their public image nearly as much as large sums of money, such defendants may also stipulate in a mesothelioma settlement that such an agreement does not constitute an admission of wrongdoing, and additionally may restrain the plaintiff from discussing the case with other persons (such as reporters or investigative journalists). Those provisions should be bargained for and may be the reason for the offer or the amount of the offer.

How Much?

It is impossible to predict the value (if any) of a case because all the facts may not bet known until trial and juries are not all the same and can react very differently to the evidence. Mesothelioma settlements and damage awards have run into astronomical sums over the past two decades and have lost. The first successful legal action in a mesothelioma case was Clarence Borel v. Fiberboard Paper Products Corporation et. al., which was filed in 1969 and ended in 1973 with a posthumous award to the plaintiff's estate...
In 2005, a retired 82-year-old machinist whose asbestos cancer was found to result from exposure in the workplace sixty years earlier received an award in a California case. In addition, the jury found the corporate defendant guilty of malice, fraud and suppression of evidence.
On the other hand, in 2004, a 76-year-old man brought action against a company in another California case, claiming his mesothelioma was due to asbestos exposure back in the 1950's. The defense for Asbestos Corporation Ltd. was able to convince the jury that the man's problem was actually lung cancer brought on by his history of cigarette smoking. Asbestos is the sole cause of mesothelioma, whereas tobacco use has long been associated with lung cancer. Predictably, the jury found in favor of the defendant, and the plaintiff received nothing.

While details of the latter case were not readily available, it is likely that the plaintiff had not gotten his diagnosis from a qualified oncologist. This is important; one of the keys to successfully winning your mesothelioma case is to have an irrefutable diagnosis as well as expert testimony from cancer specialists. In a personal injury suit, proving causation is at the heart of your claim; the more credible the evidence and testimony, the stronger your case will be - resulting in a far greater chance of the jury finding in your favor.
Remember that while medical costs and loss of income are fairly easy to determine, non-economic damages such as pain and suffering are quite subjective; such damages can vary widely from one case to another. In some states, there may be no limits to these non-economic damages.
In 2005, there was an attempt in the U.S. Senate to deny citizens the right to recover damages from asbestos corporations, ironically called the "FAIR Act." Sponsored by Pennsylvania Republican Senator Arlen Specter, this act called for the establishment of a federal trust fund from which asbestos victims would have been paid; however, it may have been inadequately funded. The bill was defeated in February of 2006, and tabled in committee when re-introduced three months later.

Pennsylvania Mesothelioma Attorneys

Pennsylvania is ranked 3rd in the U.S. for deaths from malignant mesothelioma. Mesothelioma is a rare, deadly form of cancer caused by asbestos exposure.
Mounting a mesothelioma lawsuit is a complicated process. For that reason, victims of asbestos exposure may want to hire an experienced Pennsylvania mesothelioma attorney who can help them to potentially win a mesothelioma settlement. Sokolove Law’s Pennsylvania mesothelioma attorneys have helped thousands of people exposed to asbestos across the state get the help they deserve.
Those interested in filing a Pennsylvania mesothelioma lawsuit, or a lawsuit for any asbestos cancer or asbestos-related injury, are advised to contact a Pennsylvania mesothelioma lawyer as soon as possible after diagnosis.
In Pennsylvania, Sokolove Law’s local office located at:
161 Washington Street, Suite 1520
Conshohocken, Pennsylvania 19428
(610) 834-1021
If you have any questions or need to contact Sokolove Law, please call the local phone number above or our toll-free number (888) 360-4215 to speak with a mesothelioma paralegal.

Filing a Pennsylvania Mesothelioma Lawsuit

Those interested in filing a Pennsylvania mesothelioma lawsuit or in hiring a Pennsylvania mesothelioma lawyer should be aware that their legal rights may be restricted by Pennsylvania’s statute of limitations. A statute of limitations is the period of time you have until it is “too late” to file an asbestos or mesothelioma lawsuit. So you are advised to contact a Pennsylvania mesothelioma lawyer as soon as possible after a mesothelioma diagnosis in order to file any lawsuits within the state's statute of limitations.
An experienced Pennsylvania mesothelioma attorney can help you present your case and maximize your chances of winning a settlement in a court of law. To make sure that you are protected under the law and to build a strong case, a mesothelioma attorney will first need to obtain the following information:

• Medical records confirming a diagnosis of mesothelioma or other asbestos disease
• Death certificate with cause of death listed (if applicable)
• Work history or military service to determine how and when the asbestos exposure occurred

It is important to know that even if your loved one has already lost their battle with mesothelioma, you may still have the right to file a claim.

A Key Pennsylvania Asbestos Exposure Lawsuit

One key asbestos case in Pennsylvania, Georgine v. Amchem Products, Inc., took place in 1994. The case involved a consortium of companies known as the Center for Claims Resolution (CCR). In 1991, all existing federal asbestos personal-injury litigation was transferred by the Judicial Panel on Multidistrict Litigation to the Eastern District of Pennsylvania. Soon after, CCR attempted to negotiate a settlement of all future asbestos claims against the CCR defendants. The CCR had attempted to limit the liability of its members in cases related to asbestos, and this action allegedly led to the eventual class settlement lawsuit including future claims.
See the topics below to learn more about asbestos exposure, doctors, and treatment centers in Pennsylvania. You can also call us at our toll-free number (888) 360-4215 or fill out the form located at the right-hand side of this web page for a free legal consultation specific to your potential case.

Delaware mesothelioma attorneys

Delaware mesothelioma attorneys

Getting help from a mesothelioma attorney is the quickest way to pursue a monetary settlement against a company that exposed you to asbestos. Sokolove Law strives to make this process easy so victims can spend valuable time with family. If you have an eligible case, we’ll come to you and gather all the information needed. In fact, many mesothelioma victims never leave the comfort of their home to receive compensation.

Sokolove Law can help you fight back

For over 30 years Sokolove Law has helped Delaware mesothelioma victims and their families get $5.4 million in mesothelioma claim settlements. If you or a loved one have been diagnosed with mesothelioma, let Sokolove Law fight for you. Call us now for a free legal consultation at 1-877-665-6815.
The benefit of being a national law firm with offices in every state is that we can file your mesothelioma or asbestos-related claim outside of Delaware IF it will help maximize the value of your settlement. We are advocates for our clients and are here to serve you first and foremost.

Having mesothelioma may be out of your control, but getting justice is not.

Asbestos manufacturers sold deadly asbestos materials to thousands of companies, many of which are located in Delaware, putting their workers and their families at risk.
Over $18 billion in court order trusts have been set aside to pay out claims to asbestos cancer victims in Delaware. You may be entitled to a portion of these funds and may be able to receive compensation without ever going to court.

Mesothelioma Cancer Lawsuits

Mesothelioma Cancer Lawsuits 

If you’re suffering from the effects of mesothelioma or someone in your family has been devastated by the disease, it could be to your benefit to file a lawsuit. After all, it’s your legal right, and as a victim you aren’t to blame for the disease that is ravaging your health and taking away your life. In these cases, you can either file a personal injury claim if you’re the one who has contracted the disease, or you can file a wrongful death suit on the part of another person. The county and state where the lawsuits are being filed will make some differences on the kind of lawsuit you’re eligible to file, but if you hire a lawyer specializing in mesothelioma cancer lawsuits, you’re sure to come out ahead.

A diagnosis of mesothelioma can be life-shattering. After all, it’s a type of lung cancer caused by exposure to asbestos, which usually happens in the workplace. Even if you’ve developed the condition from close contact with a person who works around asbestos, you may also be eligible to file suit. It’s best if you can pinpoint exactly where you had your exposure to asbestos, because that can make your case move along faster. However, you want to talk to a lawyer even if you don’t know where you got the disease, because he’ll be able to have a private investigation done in order to research your background history and find where the exposure occurred.

It’s important that you file your claim in a timely manner after being diagnosed. In most states the time limit will range from 1 to 2 years following diagnosis. However, make sure you know the time limits in the state where you’ll be filing your lawsuit, because if you don’t act within those limits, you may be unable to ever file a claim. In the case of a wrongful death lawsuit, the time limits will still apply, so make sure that you act quickly while there’s still time to pursue the restitution you are entitled to.
There’s no need to be concerned about the cost of hiring a lawyer to represent you in your mesothelioma lawsuits, even if you’re already buried under the debt of lost wages and medical bills, because most lawyers who specialize in cases like this work under a system known as no win, no fee. This means that if they take on your case and are unable to get any compensation for you, they won’t charge you for any of their services.
After you and your lawyer have discussed your claim and the evidence you can provide, he’ll be in a better position to project the amount of a settlement you might expect to receive. 

The more information you can give him and the severity of your condition will both help him get the maximum amount of settlement possible. While there’s no guarantee of what you’ll get, it might encourage you to know that others who have filed similar claims have gotten hundreds of thousands or even multi-millions of dollars in restitution. I think you’ll agree that money like this is worth fighting for, because it will provide for your entire family the rest of their lives.

Asbestos Soil

Asbestos Soil

Need help with a few questions from real estate exam?

What should a RE sales person stay away from in their first year of real estate? Commercial Sales, Lands sales to a developer, or ………
What should be done when asbestos is found? Remove it completely, tape over it, spray over it with a sealant, or …..
What does a sales person need to fill in on the 1st line of Hud 1A form?
If a landlord dies and the property is sold, tenant/s would have to move out because________? Lease terminates, Landlord dies, ………
If a Sales Person takes a listing and then dies, what happens to the listing agreement? Terminates, expires, ……..
What would not be a concern of lead? Soil, Plumbing pipes/Solder, ……
Anything you can tell me about contracts in regards to lead or mold?
Thanks in Advance.
His brokers wife.
Who found the asbestos? If you find it, disclose it to everybody involved, including your broker.
Don’t know.
Lease stays valid since it runs with the land.
Listing belongs to the broker, not the salesperson. Broker would simply reassign it or work it.
Lead doesn’t care much for strawberries.
Nope
Asbestos Outside Abatement Libby Montana 2004 USEPA

Symptoms of mesothelioma

Mesothelioma often starts as a lot of tiny lumps (nodules) in the pleura, which may not show up on scans or x-rays until they are quite large. The main symptoms of pleural mesothelioma are breathlessness and chest pain. Some people find that their voice becomes hoarse and they have a cough that does not go away.
Peritoneal mesothelioma often causes swelling and pain in the abdomen.

General symptoms

Both types of mesothelioma can cause other general symptoms, such as loss of appetite, sweating (especially at night), weight loss and tiredness. As many of these symptoms can also be caused by other illnesses, your doctor will need to do a series of tests before a diagnosis can be made.

How mesothelioma is diagnosed

Most people begin by seeing their GP when they have symptoms. Your GP will examine you and may arrange for you to have some tests or x-rays. You may be referred to hospital for these tests and for specialist advice and treatment. At the hospital, the doctor will take your medical history and occupational history before doing a physical examination.

Chest x-ray

A chest x-ray will be taken to check for any abnormalities in your lungs, such as thickening of the pleura or fluid around the lungs. However, there can be other causes of thickening of the pleura and peritoneum (and fluid around the lungs or in the abdomen) apart from mesothelioma.
The following tests may also be needed to diagnose mesothelioma, and your doctor may arrange for you to have one or more of them at the hospital.

CT scan

A CT scan (computerised tomography scan) takes a series of x-rays, which build up a three-dimensional picture of the inside of the body. The scan is painless but takes from 10 to 30 minutes. CT scans use a small amount of radiation, which will be very unlikely to harm you and will not harm anyone you come into contact with. You will be asked not to eat or drink for at least four hours before the scan.

Having a CT scan

CT scans of the chest and of the abdomen will show the size and position of the mesothelioma and whether it has spread to other parts of the body.
You may be given a drink or injection of a dye that allows particular areas of your body to be seen more clearly. For a few minutes, this may make you feel hot all over. If you are allergic to iodine, or have asthma, you could have a more serious reaction to the injection, so it is important to let your doctor know beforehand.
You will probably be able to go home as soon as the scan is over

Pleural or peritoneal aspiration

If there is fluid in your chest or abdomen, the doctor can take a sample by using a local anaesthetic and passing a needle through the skin into the fluid. Some of the fluid is then drawn off into a syringe and can be analysed in the laboratory to look for mesothelioma cells.
Taking fluid from between the pleura is known as a pleural aspiration and taking fluid from the abdomen is known as drainage of ascites (or peritoneal aspiration).

Biopsy

If you need a biopsy, your doctor will take a sample of tissue from the thickened pleura or peritoneum. A local anaesthetic is used to numb the area and a special type of needle is passed through the skin into the tumour. The needle has a tip that can cut out a sample of the tumour. The doctor may use ultrasound or a CT scanner to position the needle accurately. An ultrasound uses sound waves to build up a picture of the organs in a part of the body. A small device is passed over the skin to show the doctor where the tumour is and guide the needle into the right place.
Sometimes the doctor will want to look at the area of the pleura or the peritoneum directly to get a sample of tissue from the right area. This is done by using a thin flexible tube with a light and camera at the end. The tube (endoscope) can be passed through the skin of the chest, where it is called thoracoscopy, or the abdomen, where it is called laparoscopy. The procedure is done under a general anaesthetic by a surgeon. You will usually be able to go home the same day.
Your doctors may want to check for any signs of spread of the cancer to the nearby lymph glands in the centre of the chest. This central area, around the lower part of the windpipe, is called the mediastinum and the lymph glands which are found there are the mediastinal lymph nodes. This test is called a mediastinoscopy. The test is done under a general anaesthetic and will mean a short stay in hospital. A small cut is made through the skin at the base of the neck. A tube, like a small telescope, is passed into the chest through the hole created by the cut. The doctor can use this tube to examine the area. Samples can be taken for examination under a microscope.
Analysing the biopsy in the laboratory is the only way your doctors can make the diagnosis of mesothelioma. Sometimes, even after taking a biopsy, the doctors may not be sure of the diagnosis, because mesothelioma can be very difficult to distinguish from other illnesses. In this situation, the biopsy samples may be sent to other laboratories to confirm the diagnosis, some of your tests may need to be repeated or you may be referred to another hospital for a second opinion.

Waiting for your test results

It will probably take several days for the results of your tests to be ready and a follow-up appointment will be arranged for you before you go home. This waiting period is likely to be an anxious time for you and it may help to talk things over with a close friend or relative. 

What is mesothelioma?

Mesothelioma is a cancer of the mesothelium. The mesothelium is a thin membrane that lines the chest and abdomen and surrounds the organs in these areas. The lining around the lungs is called the pleura and in the abdomen it is known as the peritoneum.
About 2000 people in the UK are diagnosed with mesothelioma each year.
Mesothelioma of the lining of the lungs, known as pleural mesothelioma, is much more common than mesothelioma in the peritoneum. For every one person with peritoneal mesothelioma, there will be about 12 people who have pleural mesothelioma.

Pleural mesothelioma

The pleura has two layers: the inner (visceral) layer, which is next to the lung; and the outer (parietal) layer, which lines the chest wall. The two layers of the pleura are usually in contact and slide over each other as we breathe. The membranes produce fluid, which allows them to slide over each other easily.
When mesothelioma develops in the pleura (pleural mesothelioma), the delicate membranes thicken and may press inwards on the lung. Fluid may also collect between the two layers of the pleura: this is known as a pleural effusion.
Structure of the lungs and pleura

Peritoneal mesothelioma

The lining of the abdomen is known as the peritoneum. It also has two layers: the inner (visceral) layer, which is next to the abdominal organs, and the outer (parietal) layer, which lines the abdominal wall.
If the mesothelioma is in the peritoneum it is called peritoneal mesothelioma and causes thickening of the membranes surrounding the abdominal organs and a collection of fluid in the abdomen. The collection of fluid is called ascites and causes swelling of the abdomen.

Side view of the abdomen. The peritoneum is shown as the thick line surrounding the abdominal organs.

Mesothelioma Lawyers in San Diego

Mesothelioma Lawyers in San Diego

Mesothelioma Lawyers in San Diego
To understand how to choose a lawyer for this disease, you should first understand the basics of the disease. In the simplest sense, mesothelioma is a cancer of the protective layers of the body cavities, known as the mesothelium.

These tissues have different names depending on the organs they protect. You have probably heard of the peritoneum–this is the covering around the stomach and intestines. Other organs and cavities have their own membranes as well.
Mesothelioma is a cancer of these tissues. They often do not just affect the tissues–they affect the organs they surround and can spread elsewhere. This cancer is most often contracted by exposure to asbestos, a highly dangerous mineral often found in floors, ceilings, and some products.
Employers and landlords are supposed to protect you from asbestos, but often this does not happen. If you have mesothelioma you have probably been exposed to asbestos. If so, you should contact mesotheloma attorneys in your area to see if you have a case against the party responsible for your exposure.

How Do I Choose?

San Diego is a big place. The whole area is so large it is almost connected to Los Angeles now with no real division. Choosing a professional in this area is a daunting task for busy people, so here are some steps to take to make the process easier.

Mesolthelioma lawyers get to know the doctors who treat the disease. Over time they develop relationships and form help networks for patients. Often a doctor will have several contacts in the legal field and a lawyer will have several contacts in the medical field. This helps save you time.
If you have been diagnosed with mesothelioma, your oncologist may be your best source of names for attorney contacts. She will likely have already worked with them on cases and can tell you not only who specializes in your type of cancer but who is best and who is within a short distance from your home or work. If she does not have the right kind of specialist, there are other ways to find the right professional for your case.

You can check with other doctors who deal specifically deal with mesothelioma if your doctor is more of a general oncologist. These doctors may have worked more closely with mesothelioma lawyers in your area of southern California. You can also call local hospitals, various cancer support groups–area law schools are also excellent for references. Also check your union or professional group if you were exposed on the job.
Regardless of where you find your contacts, interview the lawyer, check on his or her background, and get references if you can. If you are ill, the last thing you need is more trouble.

COPPER REPIPING

COPPER REPIPING

Copper repiping is basically the process of replacing piping that is already in place. The older piping systems in homes were usually iron coated with zinc. The problem with this is that the pipes begin to erode and rust forms. Obviously this is not a good thing for pipes in the home, or anywhere else for that matter. This is where copper repiping comes in. Copper repiping is the process of replacing the zinc coated iron pipes with new copper pipes. There are many reasons why people choose copper pipes over the older iron pipes. The first reason, of course, is that copper does not rust. As well as this, copper repiping is safe, and provides a durable piping system in the home. 
 
Another common reason why people choose to look into copper repiping is because they have discovered a link in their home. This can cause numerous problems, so copper repiping is the best solution. For those who want to look into copper repiping for their home, there are a few options available. The first, and most sensible option, is to hire a professional to do the repiping job for you. This will, of course, cost more than doing the job yourself, but at least you know that the job will be completed properly. 
 
As well as this, there is the option of installing the copper repiping yourself, but this is something that should be very carefully considered. If you were to do the job wrong then you are going to face a very high cost to get the problem sorted, so it is always best to have the piping installed by a professional. However, if you feel confident enough in your skills to do the job yourself then there are a few things that you are going to need. 
 
The first thing that you are going to need to buy, of course, is the copper pipes themselves. If you are going to do the whole piping system in your home then you should be aware that you are going to have to buy a lot of copper repiping. As well as this, you are going to need all of the different fittings in order to install the copper repiping properly. When you consider this, it makes much more sense to hire a professional to install the copper repiping in your home. This way you can make sure that everything goes smoothly and with no problems at all.

Pennsylvania Asbestos Lawyers

 

 

Finding a good Pennsylvania asbestos lawyer might have been difficult in the past but the Internet and technology make it a snap, and just a few clicks away. Selecting the right lawyer or attorney for your asbestos case may be the most important decision of your life, so be sure you choose wisely.

More and more asbestos cases are coming to light, with a wide range of people (including military veterans, ship builders, construction workers, miners, and factory workers) discovering that they might have been exposed to asbestos during the course of their work.

Class action settlements are ensuring that those affected receive the money they deserve for their pain and suffering, but the first step in getting the money you deserve is researching Pennsylvania asbestos lawyers and selecting the correct one for you, to represent you in your mesothelioma or asbestos-related illness case.
Don’t take this decision lightly and don’t just go with the first sympathetic lawyer or attorney you speak to. You’ll need an attorney with a proven track record in handling asbestos and mesothelioma cases, and one that knows the uniques ins and outs involved in asbestos lawsuits. This isn’t a child custody case or a traffic ticket; this could be the most important decision you’ll ever make, which could mean the difference between you and your family facing a mountain of debt or being provided for.

Arizona Divorce Attorneys

• Certified Family Law Specialist*
• Martindale-Hubbell Bar Register of Preeminent Lawyers*
• Arizona's Finest Lawyers*

DIVORCE, FAMILY LAW, CHILD CUSTODY AND SUPPORT ATTORNEYS

Bishop & Martin Law Office seeks to obtain the best results for its clients, and to provide quality family law services at a reasonable cost. We are committed to settling cases early in the proceedings without sacrificing our client’s interests. If litigation is necessary, Bishop & Martin Law Office attorneys are very experienced and aggressively seek to obtain the best results for our clients.

Our firm has selected what we consider the best family law attorneys available to provide you with the professional and competent legal services that you deserve. Contact us to schedule an appointment to speak with a lawyer about your family law concerns. Bishop & Martin Law Office has two convenient locations for its clients in Phoenix, Arizona, (right off Hwy 51) and Tempe, Arizona (right off I-10 by IKEA).

Our Family Law and Divorce Practice

Bishop & Martin Law Office practice in family law and divorce law and do not practice in other areas of the law in order to provide their clients with the most experience and knowledge for their family law case. Our experienced and trusted Arizona divorce and family law attorneys represent your interests in all areas of family law and divorce issues, including but not limited to the following:

• Contested and uncontested divorce
• Spousal maintenance/alimony
• Property division
• Child custody and support
• Modifications of orders
• Relocations
• Paternity
• Domestic violence

In striving to provide the highest degree of service, professionalism and integrity, we offer full-service family law counsel. We also offer divorce mediation and limited scope representation.

Our Team Approach and Commitment to You

Bishop & Martin attorneys meet regularly to discuss cases and to provide a team approach to handling its family law cases. In addition, our attorneys attend and speak at numerous continuing legal education conferences in order to maximize their expertise regarding complex family law issues. Our firm is one of a limited number of firms that require its attorneys to also participate in its own internal firm education programs to make sure that its attorneys are fully aware of new cases and strategies to handle your complex and critically important issues.

The founder of the Bishop & Martin Law Office, Bill Bishop, is one of a limited number of family law and divorce attorneys in Arizona who is a certified family law specialist in the State Bar of Arizona. Only approximately 75 attorneys in the state of Arizona have obtained such distinction. Bishop & Martin Law Office has obtained an AV Peer Review Rating*, the highest rating possible by Martindale-Hubbell (i.e. less than 5 percent of law firms have obtained such rating), and is listed in the Martindale-Hubbell Bar Registrar of Preeminent Lawyers.  Bill Bishop has also been selected as one of Arizona's Finest Lawyers. Such selection is a peer-reviewed nomination based upon "a demonstrated record of high achievement, excellent legal skills, and a well-earned reputation for integrity". As of 2010, only 6% of all Arizona's attorneys (including practicing attorneys, retired attorneys, judges and law professors) have been selected for such distinction.

Our Valley-Wide Legal Service

Bishop & Martin Law Office has offices in Phoenix (off the 51 and Glendale Avenue) and Tempe (by IKEA on the corner of Warner & Priest). Bishop & Martin Law Office provides quality family law and divorce services to its clients in all areas of the Valley of the Sun, including Phoenix, Glendale, Scottsdale, Paradise Valley, Tempe, Mesa, Ahwatukee, Chandler, Gilbert and other surrounding cities.

Bishop & Martin Law Office welcomes inquiries from attorneys in other states seeking representation for their clients in the Arizona courts, including clients involved in interstate disputes regarding divorce, child custody or child support. To sit down to speak with a lawyer about your legal concerns, contact us to schedule an appointment today.

California Auto Insurance Quotes

 

Car insurance is not something to be taken lightly, especially if you are on a tight budget and want to minimize your monthly payments. What many people don't realize when it comes to California auto insurance is that they could be paying much less overall if they would simply comparison shop online.There are so many competitive quotes available in online California car insurance, yet you simply must take the time to look at different companies available. At Autoinsurancequotes.net, we offer you the best rates guaranteed from a number of service providers, meaning that you have the opportunity to shop around and choose different quotes based on the specific needs of yourself and your family.

Analyze Your Budget
This is the best way to get started in choosing California auto insurance. Each individual and family has different needs, and although minimum car insurance is required, many companies will give you different discounted rates to provide premium coverage. You must first decide what type of coverage that you will need so that you can start to comparison shop online for the best competitive rates. There are many insurance companies that only do business online in California auto insurance, which means that you could be missing out on these low prices if you are not shopping directly online.


Get a Quote

You can start out by getting a quote for all of the auto insurance providers that you are interested in for your California car insurance. These quotes will be at no cost, and they will give you a better idea of the options available to you. Yes, many people feel that car insurance is quite tedious, but we will do our best to make the process as painless as possible. When you are working with free quotes online, this is the perfect opportunity to go back and forth between different companies that you are interested in to get the lowest rate possible.

When securing free quote for car insurance online, you also the opportunity to ask all of your questions to a representative. This will ensure that any detailed questions are answered, including what coverage will be available for all of the members of your family. Many times you can receive a discount for purchasing insurance for a larger home, allowing you to save even more money on a monthly basis.

Autoinsurancequotes.net offers free California cheap car insurance quotes for the entire state, including the cities of San Francisco, San Diego, Los Angeles, Anaheim, San Jose, Sacramento, Palm Springs, Monterey, Fresno, and Santa Barbara. These competitive quotes will give you the opportunity to have a general idea of what competitive rates are available to you.

Universal Life Insurance

What Does Universal Life Insurance Mean?

 
A type of flexible permanent life insurance offering the low-cost protection of term life insurance as well as a savings element (like whole life insurance) which is invested to provide a cash value buildup. The death benefit, savings element and premiums can be reviewed and altered as a policyholder's circumstances change. In addition, unlike whole life insurance, universal life insurance allows the policyholder to use the interest from his or her accumulated savings to help pay premiums. 

 

Investopedia explains Universal Life Insurance

 
Universal life insurance was created to provide more flexibility than whole life insurance by allowing the policy owner to shift money between the insurance and savings components of the policy. Premiums, which are variable, are broken down by the insurance company into insurance and savings, allowing the policy owner to make adjustments based on their individual circumstances. 

 

For example, if the savings portion is earning a low return, it can be used instead of external funds to pay the premiums. Unlike whole life insurance, universal life allows the cash value of investments to grow at a variable rate that is adjusted monthly.

Mesothelioma Survivors

While the survival rate for mesothelioma is statistically low, some individuals have surpassed traditional life expectancy projections and lived for years after being diagnosed with the disease. Exactly why some patients beat the odds and survive in spite of a terminal diagnosis is unknown. Their stories, however, can often be a source of hope and insight for other mesothelioma patients and their loved ones.

To read more about survivors of mesothelioma cancer and, more importantly, how to enhance your chances of being a survivor, ask for a free copy of the Mesothelioma Center's comprehensive informational packet. The packet is tailored specifically for each person who asks for one and contains information about treatments, clinical trials, doctors and mesothelioma cancer centers. Fill out the form below to get a packet delivered to your door.

A patient's life expectancy is based upon a variety of factors, such as location of tumor, severity of disease, age and gender, just to name a few. Depending upon these elements, life expectancy can vary widely in each individual case of mesothelioma.

Although the medical community cannot explain why some patients manage to survive years longer than expected, some experts theorize their success may be linked to therapies that enhance the immune system. Certain studies of mesothelioma survivors have shown that many underwent a form of treatment aimed at strengthening the immune system, such as immunology treatments and alternative therapies.

A fundamental report on mesothelioma released several decades ago further links the progression of the disease with a weakened immune system. According to the report, "the presence of asbestos fibers in exposed workers may have caused the eventual breakdown of the host's surveillance system and the onset of neoplasm [malignant mesothelioma]."

Early detection also plays a vital role in increasing a patient’s chance of becoming a mesothelioma survivor. The earlier mesothelioma is detected, the more treatment options a patient generally has open to them.

The development of new blood tests, such as the Mesomark test, has helped doctors detect mesothelioma much earlier than they previously could through the use of traditional diagnostic tools. This early detection allows a larger proportion of patients to undergo treatments that are more curative than palliative in nature.