Criminal Law Information

According to criminal law, crimes are offenses against the social order. In common law jurisdictions, there is a legal fiction that crimes disturb the peace of the sovereign. Government officials, as agents of the sovereign, are responsible for the prosecution of offenders. Hence, the criminal law “plaintiff” is the sovereign, which in practical terms translates into the monarch or the people.

The major objective of criminal law is deterrence and punishment, while that of civil law is individual compensation. Criminal offenses consist of two distinct elements; the physical act (the actus reus, guilty act) and the requisite mental state with which the act is done (the mens rea, guilty mind). For example, in murder the ‘actus reus is the unlawful killing of a person, while the ‘mens rea is malice aforethought (the intention to kill or cause grievous injury). The criminal law also details the defenses that defendants may bring to lessen or negate their liability (criminal responsibility) and specifies the punishment which may be inflicted. Criminal law neither requires a victim, nor a victim’s consent, to prosecute an offender. Furthermore, a criminal prosecution can occur over the objections of the victim and the consent of the victim is not a defense in most crimes.

Criminal law in most jurisdictions both in the common and civil law traditions is divided into two fields:

* Criminal procedure regulates the process for addressing violations of criminal law

* Substantive criminal law details the definition of, and punishments for, various crimes.

Criminal law distinguishes crimes from civil wrongs such as tort or breach of contract. Criminal law has been seen as a system of regulating the behavior of individuals and groups in relation to societal norms at large whereas civil law is aimed primarily at the relationship between private individuals and their rights and obligations under the law. Although many ancient legal systems did not clearly define a distinction between criminal and civil law, in England there was little difference until the codification of criminal law occurred in the late nineteenth century. In most U.S. law schools, the basic course in criminal law is based upon the English common criminal law of 1750 (with some minor American modifications like the clarification of mens rea in the Model Penal Code).

Types of criminal law are: Arrests and Searches, Drug Crimes, Juvenile Law, Drunk Driving / DUI / DWI , Parole, Probation, Pardons, Violent Crimes, White Collar Crimes and Military Law.

Las Vegas and Attorneys

Have you ever been to Las Vegas? What a town. Known as Sin City (I won’t imagine why, maybe gambling, prostitution, nude shows?) This is one town that has to put it’s police force to the task. The police force is one of the most effective agencies in the U.S. The judicial system is ranked as one of the best in the country. Also in this mix is its attorney services.

All the services in the Nevada area are geared for the people. Most of the time, as in other part’s of the country, the issues at hand are accidents, divorce, bankruptcy, criminal cases, corporate blue collar crimes.

Nevada offers much to all visitors and residents.

Gambling, tours, dining, golf, weddings, spas, attractions, nightlife. Before this town became the meca it developed into thanks to Bugsy Segal, a series of natural springs provided water to give the area residents ( Paiute tribes) and travelers refreshing water. The early Spanish exployers named this area Las Vegas meaning ‘the meadows’ or ‘the fertile valleys’. The Mormons (before it was Vegas, Vegas) settled for a spot.

There are many tours available not to miss when in Vegas. Check these out:

* The Grand Canyon
* The Hoover Dam
* The Vegas Strip itself
* The Red Rock & Valley of Fire Tour
* Lake Mead & the Colorado River Tours
* Area 51 Tour ( are you into aliens?)
* Death Valley Adventure Tour and much more.

Las Vegas will be celebrating it’s 105th birthday on May 15, 2010. Much to do. You can now connect with Las Vegas on Twitter, Facebook, and YouTube.

Keep in mind this letigous society, as in most towns, attorney’s in Las Vegas specialize their services. Of course you will find lawyers who will do a little of everything.

Services You May or May Not Need:

* Bankruptcy is high on the list no matter what city you live in, not just Las Vegas. Ask how many bankruptcy cases the attorney handles per year, in the last 5 years.There are a few different kinds of bankruptcy. Be sure you will be claiming the correct one.

* Divorce attorney’s are another specialty. You hear about all the weddings in Las Vegas, what about divorces. Be sure again that the attorney has much experience in marital law.

* Taxes. Need I say more. There are attorney’s that specialize in this area. They are Tax Attorney’s. There are a lot folks faced with the IRS and tax issues. Interview a few attorney’s who specialize in the field.

* Employment and Labor Law. Another issue that arises all over the country. Mega law suits from employees against their employers. A recent one is employees against Walmart. It could be a concern about getting paid for over-time or paid as A salaried employee. Check it out with an attorney who really specializes in this field.

*Be sure to check out the attorney and the services you need them for. Don’t be afraid to ask (repeatedly if necessary) anything you feel is important. No question is dumb or stupid. Las Vegas offers many attorney’s easy to access within your search.. Online, yellow pages, or referrals from a person you know.

*When in doubt about finding an attorney, go to the library. There is a book that lists who attorney’s themselves they would use if necessary. There you can also index or research Las Vegas public cases and what attorney was used.. Use all your resources and you will prevail. You need patience and diligence.

Law Enforcement Articles – The Need for Interview and Interrogation Training

At no time in our modern history have more demands been placed upon the law enforcement officer. Communities are extremely concerned about crime and they are demanding that law enforcement agencies “do something about it.”
It seems that every day, violent crime and drugs occupy the front page of every newspaper in America. Politicians at the local, state and national level like to give the impression of being “tough on crime” and espouse philosophies which, at least outwardly, seem to support that toughness.

At the same time, the public (via the media) is scrutinizing the actions of the law enforcement community more closely than ever before.

The public wants results and, more importantly, to feel safe. Yet, that same public will not tolerate any perceived abuses of suspects’ rights in the process.

Primarily due to the increased cost of incarceration, a concerted push is being made to release prisoners from jails and prisons, with the ensuing increase in probationers and parolees.

Probation/Parole Officers have increased caseloads with no end in sight.

Juvenile crime is sky-rocketing.

Younger, more fearless criminals are becoming the norm, with the media bringing sad tale after tale into our homes on a nightly basis.

When I speak to new recruits, I tell them that what the public wants in a police officer is simple: we want applicants that are warm, caring individuals who are capable of speaking to public groups; conducting demonstrations at schools; counseling troubled youth; rendering first aid; interacting with and assessing problems from a community perspective.

In addition to all of those admirable qualities, we want much more.

If a bad guy is trying to get into our home, we want an absolutely fearless gladiator who will willingly risk his/her very life to apprehend the suspect (without injury to the burglar, of course) and protect our property.

We want, expect and demand all of this for a salary that is far less than society pays a plumber!

Whether a person is a Probation/Parole Officer supervising 100 felons, a Police Officer in a patrol car, a Fish and Wildlife Officer working all alone 50 miles from any back-up, a military law enforcement officer or a Federal Agent working in a structured environment, being a law enforcement officer is an extraordinarily tough and complex job which demands that we apply all of our skills and training.

How has the law enforcement community dealt with the ever-increasingly need for interview training?

Poorly, I’m afraid. Here’s how it works…

In virtually every modern law enforcement agency, much care and consideration is given to the allocation of training, especially that training which requires both expenditures of time and money.

Traditionally, different segments of the agency (patrol, detectives, administration, etc.) have had to compete in a sense for their share of the almighty training dollar budget.

As a result, it is incumbent upon agency administrators to prioritize the available training money.

Training in most modern law enforcement agencies has taken on the semblance of a triage system at an emergency room. Administrators want to send everyone to training, so they end up throwing some money at those who are “bleeding” the most. Due to civil liability concerns, patrol officers mainly receive training emphasizing the motor skills areas (firearms, arrest techniques, emergency driving tactics, handgun retention skills, etc.), said areas presenting the most opportunity for misapplication and a resultant lawsuit.

Investigators receive training geared toward their primary areas of emphasis (interview & interrogation, crime scene investigation, investigative specialties, etc.).

Ironically, an objective analysis of the component parts of the job of patrol officer reveals interviewing skills are utilized far more often than any other skill. Think about it, what skill is used more often than the ability to talk with people and elicit information?

Conversely, what will get an officer in trouble with the public faster than an inability to communicate?

  • How many times in any officer’s life will he or she use deadly force?
  • How many times in any given month will he or she get into a vehicular pursuit?
  • How many instances of dealing with hazardous materials will crop up in an average month?

Contrast the frequency of these incidents against the absolute certainty that we will have to interact with people during each and every shift.

We routinely qualify in shooting, attend yearly hazardous materials safety courses, attend Emergency Vehicle Operations courses and the like, yet most patrol officers never attend formal interview and interrogation instruction after an initial exposure to it in the basic training academy.

Consider the following sober statistics:

o Police Training academies in the United States offer, on average, only 4 hours of training on interviewing techniques during Basic Training.

o 60% of law enforcement training academies in the U.S. don’t offer any interview training at all during Basic Training.

o Less than 20% of all law enforcement officers have received in-service training in interviewing techniques.

Unfortunately, in most law enforcement agencies, the investigators are repeatedly sent to interview and interrogation training, while the patrol officers who apply to attend are routinely turned down. In the bureaucratic effort to make training dollars stretch a long way, administrators often prioritize training requests, sometimes based upon outdated or inaccurate information.

The need exists for inexpensive, easy methods benefit police officers without regard to job assignment, all in an affordable manner.

Compounding the training problem is the current countrywide push toward “Community Policing” and all of the responsibilities inherent with that system. Simply put, Community Policing can be best described as a philosophy of empowerment that allows the beat officer to solve problems. By a collaborative effort with others in the community, police officers are responsible for actually resolving the community concerns, rather than just taking enforcement action.

While the philosophy sounds good, the average law enforcement patrol officer has not been given the tools with which to conduct investigations, interview people, make public presentations and achieve this collaboration to solve problems. Federal grant money has been spread across the country in an effort to promote Community Policing.

Officers have been hired, equipment has been purchased and public relations efforts have been extensive in this area. Unfortunately, officers that do not have the foundation of investigative training may find themselves in an uncomfortable position.

One Community Policing officer recently told me “If I had wanted to interview neighbors, show photo lineups, speak to public groups and work extensively with other public agencies, I would have been a detective. What happened to good, old-fashioned police work?”

One of the primary components of Community Policing is the ability to interact with people in a non-threatening manner which elicits maximum information.

Most basic training academies teach a block of instruction on “Interviewing and Interrogation.” However, these traditional systems stress the structured interview approach to interviewing. The new trainee soon realizes that he or she will conduct hundreds or thousands of street interviews while on patrol and will perform relatively few formal, structured interviews in an interrogation room setting.

There are some very fine formal “Interview and Interrogation” type training classes for law enforcement officers out there (being a polygraph examiner, I have attended quite a few of them), but they tend to emphasize the structured interrogation aspect of the situation and are geared more toward an investigator than a patrol officer.

Look for interview training that does not deal with just the structured interview/interrogation type setting. Again, an analysis of a patrol officer’s daily job reveals that the vast majority of contacts that he or she experiences are not in a structured setting conducive to a formalized method of interview and interrogation.

The Focused Interviewing system is not one based totally on theory, but rather upon practical application. These techniques are being successfully used daily, are very easy to learn and do not require reference texts to be carried in the field.

In this system, we will look at what is wrong (or at least ineffective) with typical street interview techniques, what led us to use techniques that don’t work, what does work and how to develop techniques that will dramatically increase our “confession” or “incriminating statement” rates in dealing with offenders and will be of great value in clarifying statements obtained from victims and witnesses.

Spotting Reliable Divorce Help Online

The Internet has definitely taken the world by storm. It has opened up new ways for communicating with others all over the globe and has given everyone the convenience of having information ready at their fingertips. One downside to this though is that with the influx of the information also comes the rise of unreliable information. Divorce is one of the topics most frequently looked up on the net and to those who are in need of some reliable divorce help online, here are some good tips to remember:

When it comes to getting information and divorce help, nothing beats the quickness of the Internet. Quick as it may be, it certainly also has its flaws. For one, with the numerous sites online which have articles that talk about a range of topics on divorce, it is unsure that all the divorce information are truly 100% based on facts.

Many of these websites have articles which can be read free of charge which makes them all the more popular for those who are thinking of getting a divorce but are on a budget. Thus being able to tell which is fact and which is fallacy is definitely a much needed skill.

You should always have a critical mind so that you can tell which the facts are. It is never a wrong thing to ask around or look into details more closely rather than following and believing readily what is written. Compare and contrast articles and see which sounds more believable to you and contains the most facts rather than ideas based on opinions. And whenever you read something, watch something or listen to something, keep an open mind but never forget to use common sense. Sometimes when we are too emotionally charged we forget to use our logic. For example, you search for “ways to brutally get back on your cheating husband” instead of just looking for softer and more practical self-help stuff. That’s when you create a whole new problem in the middle of this sticky situation.

It will also be a good move to look into the main contributors of the site. Look up on their credentials and see if they have enough legal knowledge and experience to be deemed experts in the field. Look for sites which have a reputable divorce attorney as one of their main contributors, if not all.

Always remember that different states also vary in the laws that govern divorce, so if looking for divorce help online, search for ones that specialize on divorce laws within your state or area. You wouldn’t want to be taking tips from a site which have facts based on Nevada laws when you live in California.

Spotting reliable divorce help online is just all about reading and using your critical thinking skills. Most of the time, wrong information can easily be detected if we learn to read and look into details more closely.

How Lawyers Can Market Themselves For Divorce Cases

Indianapolis is the fourteenth largest city in the United States. It has 829,718 residents according to the 2010 census. Over the past 10 years ending December 31, 2010 Indianapolis averaged 4705 new residents per year. Indianapolis reported 4844 divorce petitions filed in 2010, which represents an above average filing year and 2009 reported 5504, which was a significant increase over the average. It does not, however, rank among the top 50 divorce cities in the United States. The dubious distinction of being the divorce capital of the world belongs to Las Vegas, Nevada.

Many of the divorce petitions filed in Indianapolis are pro-se, which means that the person filing the petition is representing themselves. For the rest of the litigants who file or who are named as the respondent in these legal proceedings, they will be represented by a lawyer. Indianapolis Divorce Attorneys compete for the roughly 800 potential clients who file each month and they do so by print and electronic advertising. As the internet becomes a more popular venue for commerce, more and more lawyers and law firms are finding the internet to be a very dynamic venue in which to advertise their services. They employ a number of strategies to place themselves at the top of the heap, including paying major search engines for the right to be listed prominently at the top of the search pages. Since Google has the lion’s share of the internet market, this is the place where lawyers compete for position. At least those that know and understand the workings of the internet.

Despite this competition among divorce attorneys, and between all other attorneys for that matter, referrals from other clients and other lawyers remain the most common means of bringing new clients to the office. This may be due to the fact legal issues in general and divorce in particular tend to deal with highly personal and sensitive issues, and clients need to feel safe with the people who represent them. Finding lawyers that are known to their friends goes a long way to subdue any fears they might have about sharing their inner most thoughts with a complete stranger.

Many lawyers do not practice in this field, but virtually every full service law firm and even boutique law firms have at least one lawyer on staff who handle divorce and family law matters. There are very few attorneys who claim to practice exclusively in the family law arena, but there are a few. While this area of law is not highly technical or difficult, it does require a broad range of knowledge and it is not something a complete novice should tackle alone. There are simply too many pitfalls waiting for the inexperienced lawyer to stumble into as the case develops.

Divorce Attorneys – Important Questions to Ask at Your First Meeting

When preparing to meet with a Family Law Attorney in Reno, it helps to be prepared. Just like at a doctor’s appointment, it is sometimes difficult to remember all the things that you need to convey to the doctor or what advice they have given you. By taking a few moments in advance to prepare yourself for the appointment, you are likely to have a more meaningful meeting with your Divorce Attorney.

For starters, list out any questions or concerns you would like to discuss with your Divorce Lawyer. Bring this list to the appointment to insure that you cover all your questions or concerns. In most cases, you are paying for this time and will want to make the most of that time and avoid having to call your Divorce Attorney with a question later. There is no such thing as a bad question for your Divorce Lawyer, so don’t be afraid to ask. The more you know about Nevada Family Law and your case, the better you will understand what is happening during your Divorce or Child Custody Case.

Bring any documents, evidence or other information that is relevant to your case to the appointment. This is particularly important if you have been served with documents or your case has been ongoing prior to hiring the attorney. This will allow your Divorce Attorney to review the ongoing case and access what is happening and if any deadlines are looming.

Be honest during your appointment. An attorney needs all the facts to evaluate your case and help you prepare for the legal process. Surprises in court or during the case can be devastating so knowing about them and being prepared to address them avoids the “surprise” in Court and before the Judge.

You should keep notes during the appointment. This will allow you to review them later in the event you cannot recall what was discussed. The notes should be put in a safe place to avoid being viewed by an opposing party or other individuals.

Many clients want to bring family or friends to their appointments with them. I discourage doing this as it wipes away the attorney-client privilege if a third party is in the meeting. To fully protect your attorney-client privilege, it is best to have your family/friends wait in the waiting room during your meeting.

During the appointment, if you don’t understand a term used or something that is told to you, it is OK to ask! I want my clients to fully understand their case, the legal process and how my office functions. You will take away some of the emotion and stress that comes from litigation by simply making sure you understand. So if you don’t understand, please ask.

If you are setting a consult or an appointment with my office, I look forward to meeting you. I hope you take the time to read this entry and come as prepared as possible to our meeting so that I can provide the best service to you.

What Interfaith Law Enforcement Chaplains Have In Common With Law Enforcement Officers

Learning to understand the Law Enforcement culture and the unique pressures that officers experience day-to-day is an important part of being an Interfaith Law Enforcement Chaplain. At first it may seem that the culture of Law Enforcement and that of Faith Communities have very little in common. However, members of the clergy may have more in common with Law Enforcement Officers than what is immediately obvious. These similarities provide the foundation upon which to build a relationship of understanding and trust.

“On” All The Time

Members of the clergy understand something of what it means to be on duty all the time. They could be out shopping in the produce section of a supermarket and find themselves unexpectedly drawn into a conversation with someone from their community about an important life issue. Members of the clergy can’t disengage with “I’m not on duty right now,” for doing so would likely go against their nature and possibly cause irreparable damage to their relationships in the community. Law enforcement officers have a similar “on” all the time experience of life and can’t easily step out of the problem solving role that members of the public may project on them. Family, friends and neighbors may also have difficulties in seeing an officer outside of his or her role. Being “on” all the time is a source of stress because it does not allow for the individual, outside of a professional role, to be experienced. When a chaplain understands this, it can help the chaplain be present for an officer without contributing to the demands already being placed on the officer. Being “On” all the time as a Law Enforcement Officer has an additional stress, that of sustained alertness for potential danger. Not being aware of this can cause a Chaplain to misinterpret the normal hyper alert behavior of an officer as being distant or unapproachable.

Tips

  • Don’t assume too casual or overly friendly demeanor when communicating with Law Enforcement Officers. Let officers set the tone and thereby let you know what is appropriate for your interactions.
  • Do be courteous, kind and professional.

Set Apart

Some clergy wear vestments that set them apart from the public and even those who do not wear any particular identifying clothing or symbol of their office can experience being set apart from society. This can be in the form of expectations that the public have of clergy: to have faultless personal lives and spotless behavior all the time, and to never deviate from an inhumane standard of perfection. Similarly, Law Enforcement Officers are seemingly under sustained scrutiny. Their badges, uniforms and weapons, make them stand out from a crowd that expects perfect politeness and faultless behavior. Sometimes the individual behind the uniform is lost in all the expectation. The pressure to show up perfectly can have the effect of dehumanizing a person and cause an ever-deepening rift between their on duty personality and who they really are. When a chaplain understands this about an officer, it can help the chaplain to be present for the person behind the uniform with patience, letting the officer lead with instructions, conversation and requests-and above all to have a strong capacity to listen to the officer with as little judgment as possible.

Tips

  • Avoid expressing personal opinions about matters of social conduct.
  • Do listen, frequently and carefully

Professional, Not Personal

Regardless of an officer’s opinion about local laws, private faith, political parties, or personal preferences regarding social trends, he or she has to apply the law with sustained professionalism toward everyone. Officers interact with people from every walk of life and way of thinking and believing and have to be able to function with fairness and equanimity in this diverse environment. An Interfaith Law Enforcement Chaplain will no doubt have strong personal faith conviction and a deep spiritual practice. Regardless of the chaplain’s private faith, he or she will be serving officers and members of the public from every-and no-faith tradition; at no time is it appropriate to proselytize. An Interfaith Law Enforcement Chaplain has to apply compassion and service with sustained professionalism toward everyone.

Tips

  • Don’t bring anything to the conversation that was not requested. Testimonies of faith, no matter what the tradition, must not be brought into the conversation with officers unless specifically requested.
  • Do be respectful of what officers want to talk about and follow their lead. Include in this the ability to respect an officer’s wish to talk about anything.

Important Facts About the Criminal Law

Criminal law can be generally defined as the branch of law that majorly classifies crimes, treats of their nature, and provides best effective ways or approaches that can be followed for their punishment. In recent times, it has emerged as one of the few fields that are attracting many young aspirants to make their career. In fact, in the last few years the ratio of students practicing criminal law has increased rapidly. These days, many young lawyers are engaged in criminal law practice work for a governmental agency on either the federal or local level or in the non-indigent defense work for solo or small private practices. Today it is counted among one of the major vital parts of the legal system in the United States and offer rewards that are very exciting and better than any other profession. However, the field of criminal law even features some of the most important facts that are worth to be known.

Today if we talk about the criminal law then it is very important to understand the exact meaning or the classification of crimes. In simple terms, crimes can be classified as felony or misdemeanor, but there is a slight difference between felony and misdemeanor. The basic distinction between felonies and misdemeanors rests on the penalty and the power of imprisonment. Basically, a misdemeanor is defined as an offense for which a punishment other than detention or death in the state prison is followed by the law. Besides this, there are many people who often get confused with the term “degree of crime”. Now, the term degree of crime primarily relates to distinctions in the guiltiness of a crime because of the circumstances surrounding its commission.

In the United States, the power to define crimes and set penalty generally depends on the legislatures of the United States, the states, and the territories along with the principal authority associated to that of the individual states. In addition, a common-law crime is one punishable universal regulation, as distinguished from crimes specified by statute. However, these days in many U.S. jurisdictions, including those in which inclusive criminal law has been enacted the common law in relative to the criminal process.

The procedure in criminal cases is significantly similar all through the United States. If the offense is severe, the case is initially passed to a grand jury, which draws up condemnation if there is enough proof to validate the trial, or else it discharges the charged convict. However, it is really surprising to find that in the United States, the offenders proved as guilty in the criminal offense may be liable to get life long imprisonment, which can go up to 100 years. Moreover, the electric chair punishments and other severe criminal punishments have been amended in US, many years back.

If we talk about the criminal laws in gulf countries then the picture is totally different. The laws are very strict with regard to the execution of punishments. In gulf countries, the criminal laws are majorly governed by the Islamic code of conduct or ‘Shariat’ and there is no subject of any kind of amendments. In the United Kingdom, criminal acts are majorly considered as crime against the entire community. And, moreover, the state in addition to different international organizations plays a major role for crime prevention and deal with convicted offenders. The criminal laws vary across the world, but the basic of most of these laws is based on one prime rule to punish the culprit.

Nevertheless, today if we talk in terms of career options in the field of criminal law then there are numerous opportunities. Many students are working on a volunteer basis and gaining experience with externships. The field is very broad one with various options available in almost every sector of industry, both private and public.

Cost Effective Law Enforcement Aerial Patrol

While many of our law enforcement officers will make a major stand in regards to flying helicopters and the versatility of the helicopter, for many law enforcement agencies there are far more cost effective options available to perform many of the same mission roles as a helicopter.

Starting with the helicopter it does offer vertical takeoff and decent as well as hover capability. Hover capability is vital for performing officer insertion or extraction in confined areas where landing is not normally practical. Hover capability is also critical for life rescue work.

We now enter into an area that may turn a few heads. How often and how needed are these capabilities for your particular organization? Larger cities or metropolitan areas may in fact need all of the capabilities of a helicopter and may have the need even for a large helicopter for proper tactical deployment of personnel and or equipment. Now if an analytical approach to bang for the buck is applied to a majority of law enforcement missions, the actual number of times per year that these capabilities were utilized are most likely very low. For many cities not willing or by the private service of EMS helicopter operators, or the services of the Coast Guard, many EMS missions are not even covered by law enforcement agencies.

Large cities and metro departments can even benefit from a slightly mixed fleet of affordable aircraft and more expensive helicopters. With smaller cheaper aircraft to perform normal patrols and surveillance with the more mission – enhanced aircraft providing the special mission services it can offer.

Many law enforcement agencies not only in the United States but also across the world have made some very significant purchases in regards to new helicopters in the past few years. Aircraft such as the Eurocopter B2 and B3’s as well as Bell 206 L4 and 407 helicopters. Agencies have been replacing older aircraft with high component and or high airframe times with newer aircraft with more performance and the ability to safely carry the many mission support tools needed for airborne law enforcement.

Agencies have been able to find ways to procure new aircraft but very often the maintenance and repair area after the initial purchase is overlooked. Right along with this oversight is the increased operational costs and possible increase in insurance costs associated with the new purchase. A typical scenario seen across the industry is when an aircraft enters a major inspection is that the money needed to repair or replace the inspection items is often not available or was not budgeted for in the maintenance operating budget. This can be an administrative short-sight, an agency with a fixed maintenance budget, inaccurate information on DOC’s (Direct Operating Costs) as the area in which you operate may have more atmospheric contaminates to cause corrosion that were not taken into account at the time of purchase. Another possibility can be the hours that were actually flown exceeded the planned hours for the budget, this brings those time life items to an earlier calendar time than previously planned.

Now where to get approval for the unplanned expenses or if planned and the actual costs are higher than estimated? Since the budgets are tight many agencies have had to keep aircraft grounded until such time that funds are allocated, and the aircraft components repaired to get the aircraft back in the air. Consequently, have had some aircraft become the dreaded hanger queen for months while awaiting funding. This not only makes the unit less efficient but also sets the stage for the same scenario for the following year as other aircraft now bear the burden of additional flight hours from the previously mentioned grounded ship now carrying its fair share of the flight hour program.

The unit supervisor may be suddenly faced with some rather humbling data to provide the supervising police staff or civilian officials in regards to budget.

Operationally, there are some options available, be it for a small town or the large law enforcement unit. A quick look at actual mission roles and calls will normally reveal that calls responded to only required an aircraft to have slow circular flight capability and that hover capability was in fact not needed. A check with your pilots will also reveal a safety reason for doing orbits rather than hover. Hovering burns more fuel, the pilot is also in a vulnerable position in regards to performance (high torque, high EGT, or other operational parameters), and it is also a very vulnerable position if the engine or some other component decides to fail at this critical time.

For helicopters to effectively enter into an autorotative state there has to be enough potential energy available to become a successful maneuver. The pilot requires two things to perform this critical skill, altitude and or forward speed. Forward speed and altitude are the sources of our potential energy which induce the rotational forces needed to safely perform autorotation. Since most police work is performed at low altitude the safe pilot will keep the aircraft moving forward in the event that an autorotation should have to be performed.

A gyroplane is in a constant state of autorotation and in the event to make an emergency landing, the pilot simply maintains airspeed to sustain autorotation and perform the landing approach to touchdown.

Options that make a lot of sense from a budget point of view are, helicopters that can be operated for patrol use at a far cheaper rate than our mission specialized aircraft. This does not necessarily mean the aircraft is not capable of many of the same missions. Since the growth of the UAV market, many systems used for these aircraft are the same systems required for law enforcement use. These systems have become quite lightweight and compact in size. Another option is to use another aircraft that is still a rotorcraft but can operate far more efficiently than the helicopter in many of the same mission roles- the gyroplane. I would like to direct your attention to what Ken Wallis has performed in both testing and actual missions roles with his gyroplanes. Pilots may frown on this move but they are your pilots and expected to fly as your pilots. Naturally training will be required but their job is to fly. The same holds true for the mechanics that may raise a fit about working on a small gyroplane. It is the ability to perform the mission that is their responsibility and management’s responsibility to the community to provide effective law enforcement capability but it shouldn’t come at too great of a burden to the taxpayer.

With these thoughts in mind as well as privatized law enforcement roles for gyroplanes Groen Brothers has recently released their newest gyroplane model. The Sparrowhawk III is designed for the use in homeland security roles, private law enforcement / security as well a normal law enforcement roles. The affectivity of light gyroplanes was been validated time and again from Ken Wallis and his use of specialized equipment to perform cadaver searches to port surveys for Saudi Arabia. Not too long ago the German government entered into testing of gyroplanes in a law enforcement role but not much feedback to the rest of the law enforcement community has surfaced from these tests.

If there is any indication of the value of the operational advantages of the gyroplane as simple look at the Sikorsky demonstrator and test vehicle X-2, a coaxial hybrid with a large pusher propeller located at the tail. For pilots and mechanic that simply are not informed of the aircraft type resistance to change can be accepted. Once they understand that the probable future of law enforcement aviation is most likely going to be an aircraft of similar design as the X-2, then the benefits of gyroplane technology will come to be appreciated.

Sticker shock of continuing maintenance costs after the initial purchase of a helicopter has left many agencies and local governments shaking their heads at the high costs they most likely never thought they would encounter. There are economical options; helicopters operations in most agencies began with small simple reciprocating powered helicopters. The purchase of former military helicopters showed the potential of turbine powered law enforcement helicopters but the added budgetary costs of newer aircraft and the tightening of local government purse strings has even lead to the loss of some law enforcement airborne units all-together. I am sure that any of those pilots would rather be flying and performing their law enforcement role than to be grounded or without a job. The modern gyroplane is no tinker toy and for any that approach the aircraft with as much of an attitude they will quickly get themselves into trouble. Like any other aircraft it does have operational parameters for safe flight and only flies like a gyroplane, not like an airplane and not like a helicopter, it is its’ own unique form of aerial transportation.

The gyroplane also provides as good of an observation platform as any helicopter and much of the associated vibrations found with helicopters is not as pronounced in gyroplanes putting less vibration on fragile equipment such as radios and navigation equipment. This means lighter equipment can replace bulkier equipment.

In regards to the dreaded airworthiness directives that can quickly down a fleet of helicopters the combined use of gyroplanes can still keep a unit effective and performing law enforcement aerial duties at a fraction of the cost. Inclusive to gyroplane maintenance costs is they typically have far fewer time life components to replace, inspect or overhaul further reducing the operational dollars needed to support the unit’s mission. Fuel being of concern of late can also be brought under a manageable budget with many aircraft using premium auto fuel in place of expensive Avgas or jet fuel.

So before a unit decides it can no longer provide the needed support to ground officers or provide valuable service to the community by closing the hanger doors. The unit may want to explore the possibilities of using a platform that quite simply provides more bang for the buck than the helicopter to perform many of the same missions.

Outsourcing Law Enforcement Transcription

As long as law enforcement agencies have been dealing with recorded audio and video, there’s been a need for law enforcement transcription. Despite advancements in technology, those pieces of audio and video that are entered into evidence or as part of an investigation still need to be transcribed for reasons of documentation and clarity.

The responsibility for transcription has commonly fallen on the shoulders of those professionals that require the work; law enforcement agencies, attorneys, public defenders, prosecutors, security companies, and others.

Unfortunately, over time the caseloads for law enforcement agencies have increased while there has been no increase (and sometimes a decrease) in personnel to manage the work and influx of forensic transcription.

Budget cuts have made it virtually impossible for many law enforcement agencies to bring on additional staff to assist with the translation and transcription, creating a nightmare of labor costs for many divisions.

Security Concerns

The possibility of outsourcing forensic transcription is one that is routinely discussed in many agencies, but many have reservations about utilizing outsourced services, particularly when delicate evidence in audio and video is concerned.

In the past many agencies were wary about sending out hardcopies of audio and video to be handled by a law enforcement transcription company when considering the potential of that content becoming “lost” or corrupted.

Likewise, the more hands an item passed through, the greater the chance of the material becoming damaged or leaked – especially to the media. These security concerns have encouraged a number of agencies to retain the transcription and translation work in house.

As technology has advanced however, new and far safer methods make it extremely simple to get the necessary content to a transcription service; Audio and video content can be uploaded to a secured server managed by the transcription service.

This secure upload makes it easy to monitor and maintain who has custody of the content because it passes easily from point A (the law enforcement agency that requires the transcription) to point B (the transcription service).

Reeling Budget Considerations

With the economical upset across the nation, many law enforcement agencies have suffered severe budget cuts that cost them both personnel and equipment. As such, it’s been extremely difficult for many of those agencies to justify paying an additional cost for outsourcing forensic transcription.

For many transcription services, it is common to charge by the line or by the page. Unfortunately it’s often very difficult to determine how many pages an interview will leave you with once it’s transcribed. There is another option that can make budgeting easier for law enforcement agencies, and that’s to opt for transcription services that charge by the minute.

That means if an agency needs transcription for a 46 minute interview – whether in audio or video format – then the agency is charged for 46 minutes.

The Real Benefit of Outsourcing Law Enforcement Transcription

The real problem facing law enforcement agencies, and any agency involved in the criminal justice system that is subject to strict budgets, is that in-house transcription takes up a tremendous amount of time and man power to complete.

Many agencies oppose outsourced transcription services because they fear the cost, as mentioned previously, but they don’t consider the actual cost of keeping that transcription in-house. Their intention is to save money by keeping transcription in-house but unfortunately that decision is costing some agencies a great deal of money.

*Salaries/Wages
Paid to those employees, secretaries, etc. who are required to transcribe the data – sometimes in the form of overtime depending on the case load.

*Management Expenses
Transcriptions typically need to be reviewed for accuracy and tracked to ensure that they are being completed in a timely manner. This can take time away from those in positions of authority within the department or agency.

*Cost of Information Technology
The cost of purchasing and maintaining software and hardware plus the training of employees and personnel to utilize the equipment for audio and video transcription

*Overflow and Delay Costs
There are inevitable times when delays occur which can pose significant problems to law enforcement cases where a deadline is concerned. Often the overflow and delayed material winds up in the hands of an outsourced company. Due to a looming deadline and thus a rapid turnaround requirement, the cost for such a service is often higher.

A Viable Alternative

Forensic and law enforcement transcription & translation outsourcing have become one of the primary ways that many agencies are finding budget relief. With skilled outsourcing to a service that employs trained forensic transcriptionists, law enforcement agencies gain a number of benefits:

*Reduced man hours of on-site personnel
*Elimination of the need to hire additional personnel to meet demands
*Improved quality of the transcribed content
*Reduced delays in transcription (rapid turnaround)

Outsourcing of forensic transcription means that far more agencies will be able to put their personnel where they belong – focusing on the agency’s primary responsibilities. With skilled outsourcing, law enforcement agencies, security companies, and so-on can trim costs because they are able to get transcripts completed on time, thus meeting the demand of an increased case load without the need to hire more staff or force current staff to burn the candle at both ends.

The new age of digital transcription via the web has given law enforcement agencies, public defenders offices, security companies, and others a means of maintaining the security of their data as it’s being passed off to trained forensic transcriptionists, and a rapid turnaround on those pressing cases that need to be handled quickly.

Divorce FAQs

Divorce can be defined as a method of terminating a marriage. Legally speaking, divorce gives both individuals the right to remarry, determines the custody and care of children and divides the couple’s property. However, the prerequisites of filing a petition for divorce vary from state to state. Some states demand a residency requirement while others do not.

What are contested and uncontested divorces?

An uncontested divorce is one where the couple decides the terms of divorce and their disagreements are mainly settled outside the court. Uncontested divorces are often less expensive and can be performed without any attorney. Uncontested divorces move faster through the court system. In contested divorces, attorneys handle the case, as it involves major issues, complex legal procedures and heavy financial stakes.

How is property divided in a divorce?

In United States, each state has its own law to determine the division of property. Division of property is done based on two different systems, community property and equitable distribution. Community property is property owned equally by the couple and is divided equally at divorce. States that follow the community property system are California, Louisiana, Nevada, New Mexico, Washington, Arizona, Idaho, Wisconsin and Texas. States that follow equitable distribution system consider assets as marital property and each spouse is awarded a percentage of the total value of the assets.

Who will have custody of the children?

In accordance with the best interests of the child, the court shall determine the assignation of parental responsibilities, including parenting time and decision-making responsibilities. This is done giving considerable thought to the physical, emotional and mental requirements of the child.

What is alimony and how much child and spousal support should be paid?

Alimony can be defined as court-ordered support paid by one spouse to another after they are separated. In United States, alimony is often referred to as maintenance or spousal support. In Colorado it is called “maintenance.” However, each state has different laws and this determines the amount and period of alimony. Any alimony order for a wife will come to an end when she remarries. The federal law mandates parents to support their children. Child support laws throughout the United States attempt to ensure the child?s economic support so that its standard of living is preserved.

Dealing With Divorce

Everyone knows that Vegas is the place to be for any sort of celebration such as a bachelor or bachelor party or even just going out on the town for a weekend for fun. In some cases Vegas becomes a little hard to handle and some people can often lose what they originally came with. The next morning many things can be a surprise to you, including a new wedding band on your finger or a headache that is worse than ever. If you are waking up next to someone who you do not know and cannot remember and there is a signed document there you may need the assistance of a Las Vegas Divorce Attorney. A Las Vegas Divorce Lawyer can get both parties out of the issue without a very difficult trial of events.

There are many ways to ensure that big mistakes like these do not happen or are less likely to happen on your very fun trip planned for Las Vegas, Nevada. In Nevada there are many different rules than in some other states and sometimes it is important to make sure that you know what those are before you get there. Another good way to make sure that nothing goes too incredibly wrong is to go with a group of friends rather than alone. The chances are good that one person in your group will probably want to stay alert throughout the night making sure that everyone is okay. If you have that person you can guarantee that you will be a little safer.

A lot of people like to go to Vegas to let off steam and let loose and relax, but do not get too relaxed. Remember that your visit to Vegas is meant to be enjoyable. You should not feel like your mind has been erased when you are finally heading home. A good way to do this is to make sure that you are fully prepared for any sort of extra partying that you may not be ready for. Do not lose control of yourself because this can end in multiple bad decisions.]

Las Vegas is a city known for some crazy nights but you do not have to be a part of something that you do not want to. If you are not there to gamble and drink and party in the clubs, there are plenty of other things to do. There are several different relaxation resorts and spas as well as many shows and cool museums to look around in. If you are interested in shopping there is also a great social scene with lots of designer stores to get exactly what you want. The night scene may be a little too exciting for you, but that is totally okay.

Vegas changes a little from day to night and for some people Vegas is not all about gambling relentlessly and drinking until they pass out. If this is not for you, there are plenty of other fun things to do as well. The most important thing is to remember to have fun and enjoy.

Prenuptial Agreements – The Before Marriage Divorce Contract

A prenuptial agreement, also called a “pre-nup”, or “premarital agreement”, is an agreement made by couples planning to get married. The pre-nup governs how issues such as dividing marital assets, and alimony will be dealt with if the marriage should end in a divorce.

Without a prenuptial or post-nuptial agreement, a divorced couple’s property will be divided and any maintenance awarded in accordance with Nevada statutes and case law. Any couple looking to save themselves from the circus called, divorce court, should seriously consider a pre-nup. Such an agreement is especially important if one or both parties are on their second or subsequent marriage, if they have children from a previous marriage, or have significant personal assets which they do not want to be subject to the whims of a family court judge.

Are Prenuptial Agreements Enforceable in Divorce Court?

Yes, unless there are defects in their negotiation or content. Originally, most states would not enforce prenuptial agreements because they felt such agreements were “in derogation of marriage”, meaning the agreements work against the principle of married for life. However, in the early seventies, following other states, Nevada held prenuptial agreements to be generally enforceable in, Buettner v. Buettner, 1973. So your agreement will be enforceable if it is properly done.

Why Draft a Prenup?

The most important reason to draft a pre-nup is to save you time and money, if your marriage ends in divorce. By agreeing to terms now, when you love each other, the divorce tends to run simpler, when the bliss has worn off. With a prenuptial agreement you know how things are going to be divided. Giving you peace of mind and costing you drastically less money in divorce attorney fees.

Pre-nups are not romantic. Approaching the conversation is a buzz kill. Most couples find it difficult to discuss the ending of a marriage. You’re in love, and going to be married forever. Why would you need a divorce agreement? Because like life, divorce happens. You have less of a chance of finding your home on fire, and yet you buy home insurance. Signing a pre-nup is not dooming your marriage. Many couples feel siging a pre-nup solidifies each other’s marriage commitments.

What’s in a Prenuptial Agreement?

In 1989, Nevada adopted the Uniform Premarital Agreements Act (UPAA), which can be found in the Nevada Revised Statutes at Title 123A. Under the UPAA, parties to a prenuptial agreement are allowed to agree with regard to:

1. Rights of property which the parties already have or might acquire during the marriage;
2. Any rights to buy, sell, lease or mortgage such property;
3. The disposition of property upon separation, divorce, or death of one of the parties;
4. Alimony; and
5. Any other rights and obligations of the parties which are allowed to be governed by private contract, i.e. are not governed by statute.

Separate property is the main focus of most prenuptial agreements. If you are coming into a marriage with real estate, retirement accounts, or cash, you might want to keep these assets separate from your community property. Community property is divided equally if a divorce happens. Separate property is not divided. A pre-nup often includes a waiver by both parties of any rights in property the other spouse acquired before the marriage. This is important if you who wish to preserve the assets they bring into a marriage.

Couples can also agree that property acquired by one partner after the marriage, which would ordinarily become community property, will remain the separate property of that spouse. For example, you might be halfway to earning a huge bonus, stock options, or maybe a future book deal. By agreeing these assets are to remain separate property you limit this argument in court.

A pre-nup may include language about limiting alimony (aka spousal support) in the case of a divorce. We are even seeing an increase in “fidelity clauses” being linked to spousal support. If a spouse has an affair the spousal support can be limited or increased, depending on your wishes. However, if the elimination or modification of alimony for a spouse results in that spouse needing public assistance, a court may disregard this portion of the agreement.

Two subjects of major concern to many couples contemplating marriage cannot be governed by prenuptial agreements: child custody and child support. By Nevada law, a court must decide these matters based on the standard of the best interests of the child and specific factors at the time of the decision. A premarital agreement signed before children are born would be unable to discuss the future factors. So, any private agreement between the parties on these subjects will not be binding.

When are Pre-Nups Not Enforced?

Prenuptial agreements are contracts between spouses. Like all contracts, in order to be binding, an agreement must be entered into by both parties knowingly and without any coercion, duress or fraud. Because of the closeness of the relationship between engaged persons, courts scrutinize prenuptial agreements especially closely.

First, the agreement must be entered into voluntarily. This means the agreement is not valid if one of the parties executed it under “duress,” a legal term meaning “pressure.” Agreements are often executed under some type of pressure; therefore, not every type of pressure will constitute duress.

While threats of physical violence or blackmail would clearly constitute duress, time between signing the agreement and the wedding date is the biggest culprit. Courts will void a pre-nup because the bride felt pressure to sign a pre-nup three days before the wedding. The typical cause being the emotional stress of having to cancel the wedding, and explain to hundreds of guests why the wedding was canceled. It’s not a gun to the head, but just as scary for some.

The threat of calling off the wedding is not always enough to be duress. Most courts reason that a party has a legal right to call off a wedding at any time. The courts look for other factors such as the unavailability of legal counsel for one spouse, or a one-sided agreement. For more examples of what constitutes duress, see “Voluntary Consent in Prenuptial Agreements”.

It is advisable for couples to allow plenty of time to negotiate and draft an agreement. To avoid the issue of duress being raised in the event of a divorce, couples should again allow several weeks, and even a month or so before the wedding date, for the process of negotiating and executing the agreement. Each side should also consult their own attorney.

Second, the agreement must be entered into “knowingly.” The UPAA requires that both parties be provided a “fair and reasonable disclosure” of the property and financial obligations of the other party. This means that income, real property, bank accounts, investments and all debts must be disclosed. This requirement underscores the advisability of allowing adequate time for consideration of the agreement.

The Nevada Supreme Court has held that where the husband failed to make the disclosures necessary to permit the wife to make an informed decision with respect to the premarital agreement, the agreement is invalid, Fick v. Fick, 1993. The court held that an incomplete list of the husband’s assets, given to the wife shortly before the wedding, and on the basis of which the wife signed the prenuptial agreement, did not constitute full disclosure.

Third, the agreement must be entered into without the presence of fraud. Fraud occurs when a party deliberately or negligently misleads the other party. Obviously, deliberately misstating or concealing one’s financial information would constitute fraud. However, as stated above prenuptial agreements are held to a higher degree of scrutiny than regular commercial contracts; courts require a high degree of honesty on the part of each party, called a fiduciary duty to the other party. Therefore, if the resulting agreement is excessively one-sided, courts will presume the existence of fraud, and, unless this presumption is rebutted in court, will invalidate the agreement.

In Sogg v. Nevada State Bank, the Nevada Supreme Court concluded that a premarital agreement would be presumed fraudulent where it left a wife with no resources or means of support in the event of a divorce, and where the wife probably would have received more under the community property laws of Nevada were it not for the premarital agreement.

The presumption may be overcome by a showing that the party claiming disadvantage was not in fact disadvantaged. Factors to consider include whether the disadvantaged party (1) had ample opportunity to obtain the advice of an independent attorney, (2) was not coerced into making a rash decision by circumstances, (3) had substantial business experience and acumen, and (4) was aware of the financial resources of the other party and understood the rights that were being forfeited.

The court in Sogg, held that where the premarital agreement was drafted by the husband’s attorney, the wife was never given an opportunity to obtain the assistance of her own counsel, was not given a copy of the agreement until the morning of the wedding, and the wife’s business experience was scanty. The court held that the presumption of fraud was not overcome, and the agreement was invalid.
Fair Pre-Nups

A contract is “unconscionable” if it is so one-sided as to be fundamentally unfair. In some states, a prenuptial agreement will be upheld even if it is one-sided and is a bad bargain for one of the parties, as long as it is made voluntarily and with full disclosure by each party. However, the Nevada Supreme Court doesn’t lean this way. In the Fick case, the court took into account the results of the agreement. It invalidated the agreement partly because the agreement eliminated alimony for the wife, which she would have been entitled to, and gave the wife much less community property than she would have received under community property laws. This indicates that Nevada courts will look at the substantive outcome of an agreement in determining fairness and validity.

It is apparent the reasons prenuptial agreements will be rendered unenforceable tend to overlap. In practice, facts which indicate there was not adequate disclosure by a party or which indicate the presence of duress may also be used to find fraud, unconscionably, etc. The overall lesson for couples is therefore: allow sufficient time for negotiation; have separate divorce lawyers available for both parties, disclose all assets, financial information and anything else the other party might reasonably want to know, and to attempt to treat the other spouse as fairly possible.

Child Curfew Laws

Curfew laws restrict the right of youngsters (usually under 18) to be outdoors, in the streets or public places during certain hours of the day. Children are required to be at home or an authorized place between a set hour in the evening until a designated time the following morning. Most often youth curfew laws allow for minors to be in public places for an extended time on Friday and Saturday nights. There are certain communities that relax curfew laws in the summer months when schools are closed for break. Others take a different approach and impose more severe time restrictions when children are on vacation or break.

The implementation of laws governing child curfews in the United States of America is a matter of what is known as the police power of the individual states. The federal government does not have the constitutional authority to enforce any kind of national curfew, and this includes child curfew, except in the event of a national emergency. Juvenile curfews have been imposed by state, country, city and township authorities.

Local laws dictate that parents are responsible for the administration and transportation costs of returning a minor to his or her home on a second curfew violation. A child who is a frequent offender of the curfew may be declared a ward of the court and be treated as a status offender. Most curfew laws prohibit minors from being out past 10 p.m. on weekdays and midnight on weekends. There are certain exceptions to the law, however, which allow kids to legally stay out late if they are:

· Running an errand for a parent or guardian

· Participating in a religious, educational or political activity

· Accompanied by a parent, guardian or another adult

· Working or going to or returning from their place of employment

· Returning home from a school, cultural or recreational activity

· Responding to some emergency

What happens when the curfew is broken?

When a child breaks the curfew, he or she could be temporarily detained by the police and then returned home. The State Law also gives the local police officers some flexibility in their enforcement of such curfew laws – if the officer believes the youth has a “legitimate reason based on extenuating circumstances” for the breach. Some of the other penalties for breaking the curfew are:

· Fines (gradually increases for subsequent violations)

· Restrictions of driver’s license privileges

· Possible detention in jail or juvenile hall

· Imposition of community service or compulsory enrollment in after-school programs

Crime against the youth

The primary concern of every parent and the community is obviously keeping children safe and protected. The main objective of implementing juvenile or child curfew is to safeguard the well-being and welfare of children. With the steady rise of crime rates against the youth, the underlying rationale of community members is that children are much safer when they are at home and not outside after a certain time in the evening.

Delinquency by the youth

The second objective is to protect the community as a whole from the miscreant conduct of certain children who are inclined to break the law. Crimes committed by the youth are a major problem in all big cities today. Restricting the presence of unsupervised children from public venues after a curfew each night will reduce the number of children and teens that end up involved in criminal activity and break the law.

Gang violence control

Law enforcement officers maintain that juvenile curfew laws provide them with another weapon in their battle against gang violence. It can be hard to gather substantial evidence to arrest members of a gang, but a violation of curfew law will at least provide officers a chance to interrupt their presence on the streets of a community.

Since child curfew laws vary by locality and government enforcement, it can depend on a number of factors. If you would like to know more about the curfew laws in your community, you could get in touch with your local police department. If your community does not have a curfew, be sure to obtain a list of the laws and a list of the exceptions and exceptional circumstances. Please feel free to express your views on the subject by dropping us a comment below.

The Value of Law in Our Lives and Society

It is known by all that law is an essential part of a society. It helps to make a society trouble free and peaceful. Law is made by humans in order to change the society with the introduction of equality, justice, and fairness.

Man has made laws, so being a maker we must follow laws too. Government and courts have set these laws and they are applicable for every citizen of a country. Victims are protected by law, whereas criminals are punished by it. You must obey law to avoid its consequences.

Law is very important for a society, for not only maintaining peace but also to control systematic lives of the people. Law protects a society from anarchy, chaos and disorder. Criminal actions like trespassing, rape, steal, damage, bully, murder and terrorism are controlled by the Law. This saves the society from every criminal act.

Disasters can be caused if people live in a society and start doing things according to their wills and principles. The Law helps to prevent people from doing actions what they want. A mentality of taking revenge will be created among the masses which may turn into unlawful acts. A society will be full of illegal actions, crimes and murders, if there is no law. Rules help a society to consider even a small problem to avoid its bigger consequences in the future.

A simple waste disposal may kill many people, if not prevented now. Cleanliness will not be maintained by people, if there is no such rule. People will find their own ways of living and survival, if they are not bound by laws. A war zone can be created in the world. Laws not only maintain peace in the society but also help to run the human race without any disturbance and in proper order.

A good relationship with each other in a society is regulated by a system of laws. Conflicts are also settled down by the means of law. The respect for human rights is ensured by this procedure of rules and laws. A society can function efficiently and properly only because of the presence of laws. Crimes are being stopped to become an everyday happening with the help of laws, so that children do not grow up finding the crimes to be normal. Future generations of the human race are safe and protected because of strict orders and laws.

So, laws are not only important in the society, but also in human lives.

Law Enforcement Information

Law enforcement are members of different agencies who are committed to upholding and enforcing the laws we live by. Some members work in local settings, while others work to enforce national laws. Often, the workers are a big component in punishing and convicting those who commit a crime. They work day-in and day-out to ensure that the streets are safe and the criminals are put behind bars.

There are generally two goals that law enforcement officials are seeking: prevention and enforcement. The first goal, prevention, can be particularly difficult. Officials must work extremely hard to prevent occurrences of crimes. For instance, police officers will regularly patrol an area in an attempt to keep crime from happening there. They make their presence known. In a way it is a message to criminals that lets them know they are being watched and criminal behavior will not be tolerated. The second goal, enforcement, can also be just as difficult. Officials have the unique assignment to punish people for committing a crime. They must assign a form of punishment that fits the crime. Not only that, but must also seek rehabilitation for the criminal whenever possible.

Today, law enforcement jobs can be found on all kinds of levels. For example, there are local police throughout the nation. They are there to protect the rights of citizens in specified jurisdictions. Then, there are states and federal law professionals. These professionals work to apprehend suspects after they find sufficient evidence of wrongdoing. The Federal Bureau of Investigation, for instance, is a federal agency. They have enforcement officials who work to enforce federal laws. Members of state and federal penal systems are also considered law enforcement officials. They manage different aspects of containment and punishment of criminals. Along with that, other law enforcement professionals include: probation officers, judges, and district attorneys.

Although law enforcement is a broad term, everyone working in it is working towards the same goal. They work to enforce laws, protect the people, and prevent crime. There are officials all over the world that are performing duties that range from trainee to advanced enforcement. Some might be investigators, while others are managers or directors. Despite their positions, they are still required to work within their jurisdictions, the rules of their job, and the law. Not only are citizens required to follow the law, but law enforcement officials must follow the rules too.

Understanding Federal Crimes

In the realm of law, crimes are considered to be within a jurisdiction. This means that the trials for certain crimes are the responsibility of certain areas of the country. At the most basic division, jurisdiction is broken into two levels: state level and federal level.

States usually have jurisdiction over most crimes that occur within that state. This may include murder, theft, trespassing, and other actions that break federal and state criminal laws. Some crimes are under both federal and state jurisdiction, meaning that the trials can be heard in state or federal courts.

Some particular crimes are considered federal offenses even though they occur in certain states. These crimes are considered crimes against the federal government and may include espionage, conspiracy against the government, illegal alien smuggling, and other crimes that threaten the federal government.

Other cases that may share joint jurisdiction as previously mentioned may become exclusively federal crimes depending on the magnitude of the crime. Examples of this include major cases of embezzling, bank fraud, and drug-related crimes.

In many cases, federal crimes are considered more severe than state crimes because they put more people in danger or affect a greater number of individuals. When an individual is convicted of a federal crime, he or she may serve time in a federal prison as opposed to a state jail.

Federal crimes often carry severe punishments, and individuals who commit them often see decades or even life in prison. These sentences may be in addition to severe fines that an individual is ordered to pay.

Divorce and Temporary Protection Order (TPO's)

A court has the power to issue a TPO (temporary protection order) to protect individuals from being harassed and stalked. In a divorce proceeding, the court may also grant a TPO to a spouse, husband or wife, if the spouse has been subject to instances of domestic violence.

Domestic violence is not simply defined by physical violence towards a spouse or child. It takes many different forms. In Nevada, the law provides that a court may issue a TPO on a current or former spouse if it finds evidence of:

Sexual violence
Child abuse
Harassment
Physical violence
Threats of physical violence
Coercion

There are several TPO’s that a court may issue. First, you can apply for an emergency protection order. This application must be made while your spouse is still in police custody after being arrested for a domestic violence incident and is effective for 7 days. A temporary protection order may also be requested regardless of whether there is an arrest and is effective for 30 days. Finally, you can apply for an extended protection order, which can last for up to one year. If you apply for an extended order, a hearing will be scheduled. Your spouse must be notified and has the right to attend the hearing. It is also absolutely necessary that you attend the hearing or the TPO will be dismissed.

A judge can rule on a number of issues when granting a TPO. Your spouse can be ordered to stay away from your home, place of work, or your child’s school or daycare, or any other relevant place. Your spouse can also be ordered not to contact you in the form of phone calls, through a third party such as friends or family, and email. Your spouse can be prevented from destroying your property, assaulting you or your children, and harassing you in any way. The judge may also order your spouse to leave the marital home, assign control of bank accounts and other items that you share, as well as temporary child custody.

Every situation is different and if you are unsure of whether you are entitled to a TPO you can contact the Family Violence Intervention Program located in the Clark County Family Court. Applications are free and advocates are there to assist you. They cannot provide legal advice, but they can help you with the application process.

A temporary protection order is designed to protect individuals from domestic violence before, during, and after a divorce and these matters are taken very seriously. The court will not tolerate false or exaggerated accusations of domestic violence in order to gain some sort of advantage in a divorce or custody battle. If you are in need of a TPO, or you have had a TPO wrongfully issued against you, it may be in your best interest to consult a Las Vegas divorce attorney experienced in these legal matters to protect you rights.

Law Enforcement Degree – Why Going Online is Becoming SO Popular

Are you considering a law enforcement degree? Are you interested in becoming:

o Police officer
o Detective
o FBI Agent
o DEA Agent
o U.S. Marshal
o Department of Homeland security officer
o U.S. Secret Service agent

If any of these law enforcement careers seem interesting and sound like something you would like to pursue, consider a law enforcement degree as this will lead you one step closer to your perfect career.

Law Enforcement Degree Programs – What are they like?

As our world becomes more complex and technically advance, so is the demand on more highly trained individuals. As in any other career, law enforcement careers today require more and more education training from prospective applicants.

Most positions within this field require an associate’s degree, bachelor’s or even master’s degree, usually in criminal justice. Not only will a higher level of education, such as a bachelor, masters or doctorate degree, lead to greater salary but also to more job opportunities and career advancement choices.

Law enforcement degree programs will train you for a wide spectrum of skills, allowing for a wide range of career options. You will learn about the court and judicial system, police procedures and policies, prison systems, rehabilitation and control of prisoners.

Law Enforcement Courses/Curriculum

Aside from the study of law and the legal system, courses focus on accounting, business finance, computer science as well as physical education to promote fitness and performance on the job. Foreign language fluency is important for federal employment.

In a law enforcement training program you will be exposed to courses in criminal justice, police administration, police management, police organization, criminal law, criminal procedures, crime scene investigation, interviewing and interrogation, criminal counseling, juvenile delinquency, pubic safety – to name a few.

As you can see from the long list of courses offered, law enforcement is becoming a popular and fast growing field. As a result, colleges and universities offering training in this area are able to provide many courses to choose from. By exploring all your options within this degree program, you can pinpoint your strengths, areas of interest and design your ideal future career. You can do so much with a law enforcement degree – make sure you find out what works best for YOU.

Online Law Enforcement Degree Programs

Online education is on the raise so it’s not surprising that most online colleges and universities also offer law enforcement training. Online degree programs give you the freedom from attending regularly scheduled classes and allow you to go to school while working full time and managing a family. They are becoming very popular as they are a way to advance your career while keeping your current job. Many employers will pay their employees to go back to school, online.

There are so many online schools offering law enforcement online degree programs, how are you to choose one? The best approach is to select a few, request information and research, read about their programs and courses offered as well as class/degree requirements. Some schools offer complete online degree programs, others require some in class time. Find out all the details before signing on to a program, be it an online associate, bachelor or online master degree law enforcement program. When researching schools, in addition to program details, try to find out faculty qualifications as well as the percentage of students that graduate and find jobs upon graduation.

Law Enforcement Careers

The primary goal of all law enforcement professionals is to protect individuals within their jurisdiction. With this career you could work as a state or federal agent, police officers, inspector, sheriff or detective. There are many opportunities for specialization within this field and the list of job titles is extensive.

Police officers are usually employed at a local level and perform task such as traffic control, regular patrols, investigation of theft and assault as well as community policing.

Detectives and Investigators specialize in one area of crime and are assigned cases within that area. Their primary role is to collect evidence, conduct interviews, and examine records all leading to crime solution, arrest and prosecution.

Federal agents are employed by the Federal Bureau of Investigation (FBI) and perform investigations of all types of crimes. The list of task and job opportunities is extensive. Spend some time reading and researching all the opportunities and educational requirements before choosing an area to specialize in within the law enforcement filed.

The Basic Details About Law Enforcement Careers

The law enforcement is a wide field of career options, the Bureau of Statistics of the United States estimates that the field will keep on growing steadily until the year of 2018, and it will increase by 10% for law enforcement professionals. The usual career that requires 4-year degree course in the law enforcement is the Police Department as well as the Security Enforcement Agencies.

Investigators and detectives – they are acting for the review evidences, interview the witnesses and follow the leads for solving the crimes committed within their jurisdiction. In spite of the glamorous reputation, being a detective is not that easy. Hours of work are long, the nature of job is dangerous and the salary is usually low. Detective ranking is achieved through climbing the steps like the police forces.

Parole officers – they are the type of law enforcers who are working with the parolees report as they are being conditionally released from the prison. They have the backgrounds in administration or law enforcement and they should be knowledgeable with the basic-moderate of their computer skills. They have to be ready to testify against or favor to their parolees in the court proceeding if needed.

FBI and CIA – they are 2 of the best enforcement arms of the United States Government. Career seekers that obtain the security clearance can find stable employment within the government, and they can be at the secret service or even military police.

Prosecutor and Defense Attorneys – they can enter the field after they have completed the 3-year graduate level of the law schooling programs. As the degree of law enforcement is not being required for the law schools admission, they can still provide a competitive edge that are needed for earning an acceptance to any law school.

These potential experts must pass the background investigation that includes inquiries to their working history, financial history and criminal history. For those individuals who want to pursue their law enforcement degree must be prepared for the participation of several interviews with their choice of agency. They need to practice for answering the interview questions that are difficult.

This is a rewarding field that has many advantages for the ones who are choosing it as their career. Landscape of this career is augmenting everyday as the advancement of good opportunities are many.

Tips to Buy Holiday Home Furniture

Before purchasing furniture for your cottage, consider these tips to make your home a wonderful place to stay and relax.

Comfort is perhaps the most remarkable feature in a home designed to enjoy the holidays. This means taking into account the areas and spaces designed for it in your first home. You might also want to have more room to enjoy these areas with family and friends, and share board games or video games. You might also want to have areas specially designed for reading or listening to music in a relaxed manner, which does not suffer from extreme heat or cold depending on whether your house is on the beach or the mountains.

If you consider the comfort of your second home, it is also interesting to consider that it is difficult to clean which have a lot of furniture and decorative objects. Also find the furniture that is resistant to moisture and aging because the house will remain closed for long period of time. An example would be to consider a sofa in a fabric and a strong color in your beach house, otherwise the humidity and dust could be marked permanently. Although both want something elegant and pleasing to look for your beach house makes you feel in a full summer.

So it is clear that a holiday should offer comfort and warmth but also your furniture must be resistant to moisture. The maintenance of the house should involve less effort and have simple furnishings susceptible to wear that may require a renewal a few years.

Another option for finding inexpensive furniture would be the futon and wicker furniture, which can be a little more expensive than regular sofas, but are considerably less comfortable. Bunk beds give you more options for sleep without taking up more space in your place. If you are on vacations, share it with your friends and family who are remembered with great comfort. Hold this vision for the purchase of furniture for your second home.

Something also very interesting to note is the mood the house according to the situation where you are. If your house is located on the beach, decoration and furniture will be different to the case in which your house is in the mountain. When considering such an issue, get a full experience of your vacations. For example, a beach house may clash with an atmosphere of rustic furniture and dark wood, they may grieve the environment. It would be a more appropriate type of furniture for a house in the mountains. In this way, you get a perfect setting for your holiday accommodation.

The bedrooms can be accommodated in different ways according to their final destination. A good option is to allocate more comfort in the master bedroom of the marriage or, where you will spend most of your holiday, so it is important to be comfortable. On the other hand, you can distribute the other rooms so that hosting the largest number of beds available to accommodate family and friends, either by using sofa beds or single bed opening.

Gardening Tips for Beginners: Ten Steps to Success

Essential Gardening Tips

Gardening Tip #1: Build on a Good Foundation.

First, you must check the nitrogen and carbon levels in your soil. You want to start with a good foundation to your spring gardening season, and these tips will help. If you have very bad soil, I highly advise that you start with a square foot garden. You can either build a wood box or buy plastic ones from gardeners, which is what I did. You can then add fresh top soil from the store and add mulched and composted leaves. This is the best way to start.

Gardening Tip #2: Ensure Good Drainage.

When you have the square foot garden set up, you must ensure that the drainage is good, otherwise your plants will not survive and your gardening career will be miserable. Be positive that you provide just as much water as the plant needs, and you will know this amount through your gardening experience.

Gardening Tip #3: Provide Lots of Sunlight.

All plant life is totally dependent on the sun. without enough sunlight, the garden will never be strong and probably never sprout. This is absolutely crucial. However, you must ensure that the plants that are in the sun are able to withstand it. All this information is on the back of every seed packet. The square foot garden location should be carefully located according to drainage and sunlight location.

Gardening Tip #4: Make Variety.

For a successful garden, add a lot of variety to your garden. This will help with pests and the soil quality. If you vary the different plants, the insects will tend to not come back due to the uninsurability of what will be in the garden. Also, it is generally known that all farmers rotate their crops for better soil. All gardeners should do just the same!

Gardening Tip #5: Plant at the Proper Time.

This may seem obvious, but it is critical. If you plant the plants too soon, they will be frozen by the frost of early spring and all the work will be for nothing. If too late, they will not be able to gather strength before the sun beats down on them and withers them, or a fall frost eliminates them. Always check the seed packets for this information.

Gardening Tip #6: Jump Start Transplants.

Make positively sure that you buy good and healthy transplants. It is much wiser to spend more money for quality plants that will return a hundredfold in produce to your work. Make sure as well to give the transplants a lot of water, or they will not survive to thrive. However, the growing season is not as long as many people may think, so you have to get the plants into the ground at the proper time, and they will hit the ground running!

Gardening Tip #7: Resist Over-planting.

As a beginning gardener, it is best to just start small. As you perfect all the methods of growing and harvesting different kinds of produce, you will then be able to plant more of what you like.

Gardening Tip #8: Provide Plenty of Nutrients.

After you have planted the seeds and they are thriving, you must make sure that you continue to provide them with nutrients. Depending on the plants you are cultivating, fish emulsion and blood meal are good things to add to the soil. Furthermore, all types of compost such as leaves, kitchen scraps, and other nitrogen rich composts will make your garden flourish. Of course, remember the rule of moderation.

Gardening Tip #9: Detect Pests Early.

As your plants are getting bigger and better, always check for the signs of pests on the plant. Are the leaves holed and chewed? Is the plant dying because of some disease? if so, as a good gardener, you must take the steps to defend your plants. If you are being attacked by deer and rodents, you can put a net or radio out near the garden to distract and scare the pests, and bloodmeal will deter the deer. As for all diseases, there are organic formulas at the store that can help with them.

Gardening Tip #10: Stop Weeds Before They Start.

This is imperative. It is critical when gardening the old fashioned way, because I did not take care of them and they took over the garden in no time. Just a little care every day, saves hours and days of hard and unnecessary labor. Also, some natural prevention of corn gluten meal and a natural herbicide of vinegar may really ease your task of clearing the weeds.

I hope these gardening tips helped! I will be implementing them in my gardening as well. May these gardening tips ever be part of your gardening arsenal!

Healthcare – When You Lose Your Healthcare

If health care is important to you, you may feel devastated when you lose your healthcare. With the downward spiral that the economy has been experiencing, companies are trying to do everything to stay in business. For some corporations, this can mean lay-offs and a reduction in work force. For others, this means cutting costs in other areas, including healthcare. It can seem like a scary thing to be without benefits for you and your family, but you have options.

#1 – Purchase your own individual and family healthcare. There are important things to consider when purchasing individual and family health care plans. Do you want to choose your own doctor, or are you okay choosing from a pre-screened network? Do you have any pre-existing conditions that may prevent you from getting insurance? Circumstances like these may affect your decisions and monthly premiums. You will also want to look at whether there is a deductible – a fee that is paid before your coverage starts. If you choose a plan with a high deductible, your monthly premiums may be much lower. Just be aware that should you need medical attention, your deductible amount must come out of your pocket before your insurance benefits kick in. Choose a plan that has a deductible you can handle as well as monthly that are premiums within your budget.

#2 – Purchase a discount health plan. This is a health care option that is not technically “health insurance” but with this type of plan, you are offered discount prices on medical procedures, office visits, emergency room visits, etc. The administrators in a discount program bargain with your physician and come up with a reduced fee for their services. Then, you only pay the discounted fee instead of the full priced fee that is charged to the general public. Most times these discount plans offer a 20-40% savings. Even though this is not traditional insurance, it is a way to save money with reduced costs so that you do not have to come up with the full payment when you need medical services.

#3 – Visit a participating pharmacy. Some pharmacies offer physical exams, vaccinations, and treatment for a number of medical conditions for an affordable price. They may also offer diagnostic testing for common ailments as well. If you are uninsured, be sure to check with pharmacies in your area to see if they offer any of these services. Try to be proactive and check for these services before they are needed so you will know the offerings and prices before you purchase a health care plan.

So the bottom line is, should you lose your insurance, do not feel like there is nothing you can do. Although it may be devastating when you lose your healthcare, there are other avenues you can take and options that are available so that you are covered. Take charge of your situation and start shopping around now for the best option for you and your family.

Why the Timing is Right – Become a Travel Agent

Why the sudden surge in interest for the travel industry? Here are a few facts to consider when looking at a travel career as a career option.

Here are the facts:

  1. Travel is a $7 Trillion dollar industry expected to double to $14 Trillion within the next decade.
  2. This lucrative industry is currently growing 23% faster than the global economy.
  3. A key factor in this growth phenomenon is the stream of baby boomers that are retiring, or getting ready to retire.
  4. Baby boomers are retiring at a rate of 1 every 8 seconds.
  5. Travel was rated the number one thing these baby boomers intend to do when they do retire.

When considering a career in the travel industry, there are several options available for those looking to work from home.

There is an increased demand for qualified travel agents, due to the explosive growth of the industry as a whole. To become a certified travel agent, your options are not limited to the traditional brick and mortar setting. Many reputable travel agencies now offer options for the individual looking for a legitimate home based business.

While doing your due diligence in researching whether this industry is a fit for you, consider that there are excellent income opportunities available to work from home.

If your goal is to work as an independent travel agent from the comfort of your own home, consider working as an online travel agent.

Here are some companies that you can research, that offer excellent training. Some of the companies will hire you as an employee, while others offer the freedom of being your own boss, and setting your own hours.

Do your due diligence!

  1. Research each company carefully, and make it a priority to understand the compensation plan.
  2. Know what training is available, and whether the company will offer you the opportunity to become certified.
  3. Does the company have IATA, IATAN, ARC and CLIA affiliations?
  4. What is the initial investment? Are there additional costs associated for licensing, or becoming certified?
  5. If you are considering a work at home position, what kind of support is offered?

Are you a right fit for the travel industry?

Lets break down the qualifications that will determine whether you are suited for this challenging, but rewarding career.

Travel agents should have a minimum of a high school diploma.

Travel agents should have a love for travel. Enthusiasm and a love for working with people are crucial elements for success in this industry.

Travel agents should possess excellent multi-tasking and organization skills.

Great communication skills, as well as computer skills are essential.

Travel agents should possess a professional, courteous demeanor when working with suppliers, and the general public.

Attention to detail and accuracy are very important. Some sales ability is very helpful as well.

Now, the benefits of becoming a travel agent

The benefits of becoming a travel agent are many. I have listed the top three.

Travel agents save up to 80% on travel to many of the worlds exclusive resorts and destinations. These discounts include, but are not limited to:

Complimentary upgrades Hotel room upgrades and discounts

Car rental discounts and upgrades

Cruises

Theme park discounts

Vacation Packages

FAM trips, also known as familiarization trips. Suppliers want travel agents to have first hand knowledge of their facilities, so that the travel agent can make a recommendation based on personal knowledge and first hand experience.

The supplier will offer discounts and other perks, and roll out the red carpet to ensure the travel professional has an outstanding time.

Tax Benefits for individuals who chose to do this profession as an independent travel agent. Consult your CPA or tax professional for more information regarding this benefit.

Summary: How Do I become a travel agent?

In summary, becoming a travel agent can be a lucrative and rewarding career. Should you decide that you possess the skills and abilities needed for success, you can look forward to a promising career.

Get Started: Do a search online using the keywords: become a travel agent, how do I become a travel agent, or online travel agents.

Beware of Tax Preparers Who Promise Large Refunds But Won't Sign Your Tax Return

In my experience as President of SmartServ Solutions, I come across many new clients each year. Most new come to us as a result of my snazzy advertising or through a referral from one of our existing clients. Still others come because they are looking to get a bigger tax refund. I am all for getting the most money back from Uncle Sam. That is, the most legal money. In recent weeks, I have come across a large number of previously filed fraudulent tax returns from 2005. It is a very disturbing trend occurring in the tax preparation business. Before I explain what is going on with the fraudulent tax returns, I would like to give a brief overview of the different types of tax preparation companies. I would classify the tax preparation business into three major categories:

The large faceless tax franchises

Most of the large franchise tax places hire seasonal part time workers who are moonlighting for extra money. They receive training each year from their corporate offices on the new tax laws, but tax preparation is not their primary profession. This leads to in many cases sloppy work and missed deductions. Most of the franchise tax places close down after April 15th.

Independent tax preparation and accounting firms

Independent firms are typically small firms where tax preparers work year round and additional support staff is hired during tax season. Many of these types of firms stay open all year and supplement the rest of the year after tax season with related financial service businesses like accounting, mortgages, investments or insurance.

The “guy” or “girl” who gets big tax refunds

These people are everywhere. They typically work out of an apartment or small store. Their reputation for getting extremely large tax refunds has spread like wildfire. Everybody either knows this person or someone who goes to someone like it. Their offices or apartments are usually standing room only and people will wait hours and hours just for a chance to get their taxes prepared here. There is an unfortunate reality about this type of outfit. An income tax return can be easily manipulated to create a large “temporary” tax refund. I will get in to the reason why I say “temporarily” shortly. Some people actually get and deserve tax refunds upwards of $10,000, $15,000 or even $20,000. The right combination of children, babysitting, mortgage interest and taxes, large withholdings and education expenses will in many cases create such a large tax refund that is legitimate. However, there are many unscrupulous tax preparers in this category who illegally add some or all of the above deductions and credits to anyone’s tax return.

The sad truth is that the IRS will send you the money if you file a fraudulent return claiming an undeserving refund. The IRS is a slow moving big government bureaucracy. They may move slowly, but they do move. They have the capabilities of catching up with most of the tax fraud that is out there. It usually takes them a year or two or three after a tax return like this is filed, but they do catch those involved. What most people who utilize these types of tax preparers fail to realize is that they are completely responsible for the tax return that they file. A defense of “my tax preparer did it” or “I didn’t know” isn’t good enough for the IRS. Once you are caught filing such a tax return, you will be subject to pay back all of the money that you received illegally plus penalties, plus interest and possibly fines. And the IRS will get their money. They will use their power to place a tax levy against fraudsters which will give them the right to freeze assets like bank accounts and garnish salary. This is why I call an undeserving tax refund a “temporary” one. The IRS or State Department of Taxation also has the power to seek jail time if they find that there was fraud committed. Obviously, the unscrupulous tax preparers don’t tell this to their unsuspecting clients. I truly feel bad for these people. Most of them don’t understand the implications of filing a false tax return. I have met many people who have had their lives ruined by such circumstances. Life is too precious and it is not worth ruining your life for an extra couple of thousand dollars on your tax return that you don’t deserve. One tell tale sign that your tax preparer may be committing fraud on your tax return is that they refuse to sign the preparers part of your return. A tax preparer is required by the IRS to sign your tax return if they prepared it for you.

I want to personally caution all taxpayers of filing such a fraudulent tax return in order to receive an unjust refund. There are many legitimate deductions and credits that are available that can be found if you look hard enough. Please choose a tax preparation company who will go the extra mile for your interests while not putting your financial future in jeopardy by getting you in trouble with the IRS.

Choosing Your Ideal Wedding Flowers

As well as everything else to be planned for your big day, you need to choose your wedding flowers, which for many brides is one of the most enjoyable selections they get to make while arranging their wedding. While some women prefer to have a very personalized bridal bouquet, others see their wedding flowers as a chance to keep their overall wedding theme running through every aspect of the ceremony.

A wedding bouquet is the finishing touch to your bridal dress, and a well designed one will enhance your ensemble, bring out your best features and coloring and complement your bridesmaid dresses as well. Wedding flowers are also one of the most prominent features in photographs, so make sure you are happy with them as they will be in your memory for a long time.

There are whole galleries online of wedding flower ideas to help inspire you, and some places allow you to buy bridal bouquets online directly for delivery on the day, which can be very convenient and cost-effective. There are plenty of forums and florists on the Internet which can give you starting points for flower arrangements and color ideas, and you can also look at photos of other weddings, bridal magazines and even in the window of your local florist to get your imagination going.

If you have a wedding theme idea, think how to integrate that into your bridal bouquet and other flowers. For example, you could add some shells to a beach wedding theme, or some sprigs of holly for a Christmas wedding theme. For colors, it is a good idea to have a swatch of your bridesmaid dresses to make sure you can get matching or complementing colors for both the blooms themselves and any wraps or ribbons.

You might want to pick one or two types of special flowers which you would like to feature; perhaps they have a special meaning for you or are associated with memories of yourself and your groom, or others in your family. However it is still a good idea to work within the seasons depending on when you are having your wedding party. Although popular choices like roses and lilies are usually available all year, many other flowers are seasonal so prices will fluctuate. If you want an out of season flower in your bridal bouquet you could have it imported but this can be very expensive so it is best to stick to locally sourced blooms if you can.

Earn Your Child Care Credentials With An Online Degree

As the number of two-income household increase, more and more working parents are depending on day care centers to take care their children while they go out for work in day time. Parents know that children always come with surprises and they only trust child care providers that are trained to anticipate those surprises. Hence, if you want to success in this business, you need to earn your child care credentials and online education is one way to supplement your knowledge and experience with children to gain the trust of your potential customers.

What You Learn In Child Care Online Degree?

There are different kinds of children care online degree programs available. It’s range from early childhood education, children development to child study for grade 6 – 12 kids. Hence, you need to decide on one that best suit your child care business needs.

Basically, in children care related online degree programs, you will learn about education games, child growth and behaviors, child food nutrition, anticipation of children surprises and help children explore and learn about the world while developing relationships with peers and adults. If you are taking a degree related to business that focus on child care business, you will be taught on children management, activities planning and scheduling, socialization and much more.

Online Universities That Offer Child Care Online Degree Programs

There are a number of online universities that offer child care and children education related online degree programs. Among the online universities are:

  • University Of Phoenix Online University of Phoenix offers Master in Education with a Specialization in Early Childhood Education
  • Rasmussen College If you are interested to focus on children development, then Rasmussen College’s children development online degree program should be able to suit your need.

Choose Your Child Care Online Degree

Beside that, there are other online universities that offer child care online degree program, you could get most of information from internet, make a request to those online universities to send you a more details information of the course that you are interested in; request information from as many online universities as you can to make a comparison purpose on their online degree programs, information requests are free of charge; hence make use of it.

Accreditation

There are a lot of diploma mills offering “fake” degree. Hence, it is important to consider “Accreditation” when you choose your child care online degree. Make sure your selected online degree program is properly accredited by an accreditation agency that is recognized by U.S Department Of Education. Many “fake” degree programs do have accreditation but it is accredited by a “fake” accreditation agency. Hence, watch it of the potential trap of diploma mill when you choose your child care online degree program.

Summary

Your child care career will only be success if you manage to gain trust from parents. And getting an education online is an important way to earn trust or credentials as a child care provider.

Why You Are Not Reducing Your Weight With Phentermine 37.5 mg

Phentermine 37.5 mg  is without doubt an incredibly successful weight loss medication, but like those who experience weight loss accomplishment, there are several who’re left thinking why they are certainly not losing weight with Apettite supressant 37.5 milligrams . While becoming fitter Phentermine 37.5 milligram  has ceased working for you, when you can nevertheless have the outcomes of curbing of your appetite and extra energy, then it could be for one of them causes:

1. Overindulging
Calorie counting is usually a pain, yet it’s a good way to commit just how much food you will get each and every food and then for every single goody. Moreover, you’ll want to ponder the amount you eat as you will be overestimating how much you might be designed to consume of certain foods examination how accurate your view is actually portioning your meal while you would and then ponder it out later on. In case you are persistently providing your self nice servings then you could be consuming A LOT more than you imagine, for that reason creating reducing your weight with Apettite supressant 37.5 milligram from http://www.akronjoblink.com more challenging.
2. Not Wanting To Eat Ample
Apettite supressants 37.5 milligram  works by quelling urge for food, but not this result can be also robust, to the degree that folks do not have appetite which enable it to find it difficult to eat everything all day long. It may seem that less foodstuff Is equal to more importance decline, speculate we explain right here, that is genuinely false there is an excellent volume of calories from fat that you can eat to successfully lose weight, and having that equilibrium correct is the key to reducing your weight with Phentermine 37.5 milligram . If you’re eating too little calorie consumption each day, a mans impulse would be to consider that you have trim times ahead of time, this means that it’s going to change your metabolic rate all the way down and cling on any extra fat which will come its way, i.elizabeth. you are less inclined to slim down.
3. Not Receiving Sufficient Slumber
Setting up healthful eating and having much more lively will help you to reduce weight, but way of life elements such as receiving sufficient slumber also participate in an essential part within your capacity to shed pounds with Phentermine 37.5 milligrams from http://www.dyingforbeginners.com. When we absence sleep, our mind need harmful easy meals, and our the body’s hormones show that we’re famished when we aren’t. That is obviously not a menu for weight reduction with Apettite supressants 37.5 milligrams , so ensure that you make sleep a high priority and have at the very least 7 hrs each night.
4. An Undiscovered Medical Condition
Before prescribing Apettite supressants 37.5 milligram , your doctor must examine that you are not struggling with one of the many health issues that causes extra weight or make it hard to shed pounds. These medical issues can include a nutritional or spring deficiency, including anaemia, Pcos (Polycystic ovary syndrome), diabetic issues, or perhaps below-energetic thyroid gland, and the like. You will find been fully examined for these kind of troubles and shedding pounds with Apettite supressants 37.5 milligrams  is proving to be hard then question a medical expert for any full wellness verify-up, even though just to remove these as prospective causes.
5. Not Getting Your Vitamins
An absence of minerals and vitamins create a sluggish metabolic process sluggish actual physical functions, that means your system needs to work extra hard to procedure the food you eat, and as a result, slimming down with Apettite supressants 37.5 mg  is more challenging. So, give you the encouraged day-to-day demands of critical weight loss nutrients to obtain much better benefits. Having said that, it’s not easy to consume enough of a variety of food to satisfy these needs, and we all suggest Phen Vites, that incorporate most of these important supplements in addition extra premium components like 5-HTP to aid enhance your weight loss prospective even more.
why you aren’t reducing your weight with Phentermine 37.5 mg 
6. Way too Pressured
Tension can be one of the main factors behind putting on weight, so it seems sensible it is one thing which needs to be dealt with to be able to lose fat. A single study found that individuals coached strain-management techniques could drop much more weight compared to the contributors who were not taught they, though their diets and exercise ranges ended up the same.  Reducing tension bills out bodily hormones and enables one’s body to work far better, so that you must intention to tear down levels of stress for fulfillment in reducing your weight with Phentermine 37.5 mg . Check out some good ideas on how to manage tension.

7. Not Training
Lots of people depend only on diet plan to lose weight, which can be successful to some degree, yet it’s the combination of diet and exercise get outcomes. Except if you might be unable to workout because of injuries you need to get shifting every day, not just strolling for thirty minutes. If you find it hard to get encouraged to exercise, take a look at these solutions to make exercise more exciting. Exercise is an excellent tension reducer, adds to your Apettite supressants 37.5 milligrams  energy enhance, and, analysis into long lasting weight loss has constantly learned that exercising is the key to losing weight with Phentermine 37.5 milligram  for great.
8. Ingesting A Lot Of Unfilled Energy
Slimming down with Phentermine 37.5 milligram  isn’t information on consuming a smaller amount, it’s much more about consuming better. And the same holds true of your respective fat allocated even though two food have a similar level of energy doesn’t cause them to become just as healthy. Additionally, reduced calorie or reduced fat choices usually are not always ideal, so attempt to avoid light, zero fat or certain diet regime food as they usually replacement healthful fat or calories for added sweets or sea and can be far more refined than the normal meals they try and replace. Alternatively, make an effort to get amazing benefits from your diet program by looking for foods filled with vitamins, mineral deposits and wholesome fats, stay away from everything overly refined, and fill up on fiber and proteins to hold craving for food away for. It’s also wise to watch the energy and sugar you consume in your beverages, as fluid calories from fat really can add up with no providing us any value for money in terms of health benefits goes.
9. Not Ingesting Adequate Normal water
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ENTREPRENEURIAL CHALLENGES – The Case of Royal Bank Zimbabwe Ltd

Industry Shake-up

In December 2003 Mzwimbi went on a well deserved family vacation to the United States, satisfied with the progress and confident that his sprawling empire was on a solid footing. However a call from a business magnate in January 2004 alerted him to what was termed a looming shake- up in the financial services sector. It appears that the incoming governor had confided in a few close colleagues and acquaintances about his plans. This confirmed to Mzwimbi the fears that were arising as RBZ refused to accommodate banks which had liquidity challenges.

The last two months of 2003 saw interest rates soar close to 900% p.a., with the RBZ watching helplessly. The RBZ had the tools and capacity to control these rates but nothing was done to ease the situation. This hiking of interest rates wiped out nearly all the bank’s income made within the year. Bankers normally rely on treasury bills (TBs) since they are easily tradable. Their yield had been good until the interest rates skyrocketed. Consequently bankers were now borrowing at higher interest rates than the treasury bills could cover. Bankers were put in the uncomfortable position of borrowing expensive money and on-lending it cheaply. An example at Royal Bank was an entrepreneur who borrowed $120 million in December 2003, which by March 2004 had ballooned to $500 million due to the excessive rates. Although the cost of funds was now at 900% p.a., Royal Bank had just increased its interest rates to only 400% p.a, meaning that it was funding the client’s shortfall. However this client could not pay it and just returned the $120 million and demonstrated that he had no capacity to pay back the $400 million interest charge. Most bankers accepted this anomaly because they thought it was a temporary dysfunction perpetuated by the inability of an acting governor to make bold decisions. Bankers believed that once a substantive governor was sworn in he would control the interest rates. Much to their dismay, on assuming the governorship Dr. Gono left the rates untamed and hence the situation worsened. This scenario continued up to August 2004, causing considerable strain on entrepreneurial bankers.

On reflection, some bankers feel that the central bank deliberately hiked the interest rates, as this would allow it to restructure the financial services sector. They argue that during the cash crisis of the last half of 2003, bank CEOs would meet often with the RBZ in an effort to find solutions to the crisis. Retrospectively they claim that there is evidence indicating that the current governor though not appointed yet was already in control of the RBZ operations during that time period and was thus responsible for the untenable interest rate regime.

In January 2004, after his vacation, Mzwimbi was informed by the RBZ that Royal had been accommodated for $2 billion on the 28th of December 2003. The Central Bank wanted to know whether this accommodation should be formalized and placed into the newly created Troubled Bank Fund. However, this was expensive money both in terms of the interest rates and also in terms of the conditions and terms of the loan. At Trust Bank, access to this facility had already given the Central Bank the right to force out the top executives, restructure the Board and virtually take over the management of the bank.

Royal Bank turned down the offer and used deposits to pay off the money. However the interest rates did not come down.

During the first quarter of 2004 Trust Bank, Barbican bank and Inter-market Bank were identified as distressed and put under severe corrective orders by the Central Bank.

Royal Assault

Royal Bank remained stable until March 2004. People who had their funds locked up in Inter-market Bank withdrew huge sums of funds from Royal Bank while others were moving to foreign owned banks as the perception created by Central Bank was read by the market to mean that entrepreneurial bankers were fraudsters.

Others withdrew their money on the basis that if financial behemoths like Intermarket can sink, then it could happen to any other indigenous controlled bank. Royal Bank had an advantage that in the smaller towns it was the only bank, so people had no choice. However even in this scenario there were no stable deposits as people kept their funds moving to avoid being caught unawares. For example in one week Royal Bank had withdrawals of over $40 billion but weathered the storm without recourse to Central Bank accommodation.

At this time, newspaper reports indicating some leakage of confidential information started appearing. When confronted, one public paper reporter confided that the information was being supplied to them by the Central Bank. These reports were aimed at causing panic withdrawals and hence exposing banks to depositor flight.

Statutory Reserves

In March 2004, at the point of significant vulnerability, Royal Bank received a letter from RBZ cancelling the exemption from statutory reserve requirements. Statutory reserves are funds, (making up a certain percentage of their total deposits), banks are required to deposit with the Central Bank, at no interest.

When Royal Bank began operations, Mzwimbi applied to the Central Bank – then under Dr Tsumba, for foreign currency to pay for supplies, software and technology infrastructure. No foreign currency could be availed but instead Royal Bank was exempted from paying statutory reserves for one year, thus releasing funds which Royal could use to acquire foreign currency and purchase the needed resources. This was a normal procedure and practice of the Central Bank, which had been made available to other banking institutions as well. This would also enhance the bank’s liquidity position.

Even investors are sometimes offered tax exemptions to encourage and promote investments in any industry. This exemption was delayed due to bungling in the Banking Supervision and Surveillance Department of the RBZ and was thus only implemented a year later, consequently it would run from May 2003 until May 2004. The premature cancellation of this exemption caught Royal Bank by surprise as its cash flow projections had been based on these commencing in May 2004.

When the RBZ insisted, Royal Bank calculated the statutory reserves and noted that, due to a decline in its deposits, it was not eligible for the payment of statutory reserves at that time. When the bank submitted its returns with zero statutory reserves, the Central Bank claimed that the bank was now due for the whole statutory reserve since inception. In effect this was not being treated as a statutory reserve exemption but more as a penalty for evading statutory reserves. Royal Bank appealed. There were conflicting opinions between the Bank Supervision and Capital Markets divisions on the issue as Bank Supervision conceded to the validity of Royal’s position. However Capital Markets insisted that it had instructions from the top to recall the full amount of $23 billion. This was forced onto Royal Bank and transferred without consent to the Troubled Banks Fund at exorbitant rates of 450% p. a.

FML Saga

When FML was demutualising, the executives were concerned about the possibility of being swallowed by its huge strategic partner, Trust Holdings. FML approached Royal Bank and other banks to act as buffers. The agreement was that FML would fund the deal by placing funds with Royal Bank so that Royal would not fund it from its balance sheet.

Consequently FML would leave the deposits with Royal Bank for the tenor of the loan. The deal was consummated through Regal Asset Managers and was to mature in December 2004, at which time it was anticipated that the share price of First Mutual would have blossomed, allowing Royal Bank to harvest its investment and exit profitably. The deal resulted in Regal Asset Managers owning 57 million FML shares. Royal Bank gave FML some securities in the form of treasury bills as collateral for the deposit.

The Reserve Bank and the curator wrote off this investment because at that time FML was suspended at the ZSE. However the fact that it was suspended did not invalidate its value. Recent events have shown that this investment has generated huge capital value for Regal Asset Managers as the ZSE rebounded. Yet the curator valued this investment negatively. Around March 2004 there had been a contagion effect at FML due to the challenges at Trust Bank. This resulted in the forced departure of the FML CEO and chairman. FML was suspended from the local bourse as investigations into the financing structure of Capital Alliance’s acquisition were carried out. Because of the pressure brought to bear on FML, it wanted to withdraw the deposits held by Royal Bank, contrary to the agreement. FML could not locate and return the treasury bills that had been provided as collateral by Royal. Royal Bank suspected that these had been placed with ENG, another asset management company which collapsed in December 2003. A public row broke out. Royal Bank executives sought counsel from Renaissance Merchant Bank, which had brokered the deal, and the Chairman of the ZSE, who both agreed with Royal that the deal was legitimate and FML had to honour the agreement. At this stage FML sought court intervention in an attempt to force Royal Bank into liquidation. Even the curator contested the FML position resulting in his taking it for arbitration. Royal’s position remained that if FML fails to return the securities then it will not get the funds.

Royal bank directors claimed political interference on the issue. The Royal Bank executives believe that the governor, against his better judgment, decided to act against Royal Bank under the pretext of the political pressure. In retrospect, the political support for cracking the whip at Royal gave credence to the rumour that the governor had an underlying agenda in taking Royal and merging it into ZABG because of its strong branch network.

Royal Bank had been warned by friendly RBZ insiders that if it ever accessed the Troubled Bank Fund it would be in trouble, so it sought to avoid this at all costs.

However on 4th August 2004, Royal was served with papers that effectively placed it under the curator. Interestingly, the curator’s contract was signed two days earlier. Until this time no depositor had ever failed to withdraw his deposits from Royal Bank.

The lack of credibility of the Reserve Bank in handling this case is exposed when one considers that some banks were given more than eight months to stabilize under curators, e.g. Intermarket and CFX Banks, and were able to recover. But Royal and Trust Bank were under the curator for less than two months before being amalgamated. The press raised concerns about the curators assuming the role of undertaker rather than nurse, and hence burying these banks.This seemed to confirm the possibility of a hidden agenda on the part of the Central Bank.

Victor Chando

Chando was an excellent financial engineer who set up Victory Financial Services after a stint with MBCA. He had been the brains behind the setting up of the predecessor of Century Discount House which he later sold to Century Holdings. Royal Bank initially had an interest in discount houses and so at inception had included Victor as a significant shareholder. He later acquired Barnfords Securities which Royal intended to bring in-house.

Victory Financial Services was involved in foreign currency dealings, using offshore companies that bought free funds from Zimbabweans abroad and purchased raw materials for Zimbabwean corporations. One such deal with National Foods went sour and the MD reported it to the Central Bank. On investigations the deal was found to be clean but the RBZ went ahead to publish that he was involved in illegal foreign currency transactions and linked this to Royal Bank. However this was a transaction done by a shareholder as an account holder, in which the bank had no interest. What confused matters, was that Victory Financial Services was housed in the same building as Royal Bank.

After failing to nail Chando to any criminal charges, the Central Bank issued an order for Royal Bank to force him out as a shareholder and board member. It is ridiculous that the Central Bank would vet who is a shareholder or not in banks – particularly when the people had no criminal records.

Negotiations with OPEC were underway for it to take over Chando’s shareholding. The Reserve Bank was aware of these developments. OPEC would then help in the recapitalization as well as open up lines of credit for the bank.

The Arrest

In September 2004 the executive directors of Royal Bank, Mzwimbi and Durajadi, were arrested on five allegations of fraudulently prejudicing the bank. One of the charges was that they fraudulently used depositors’ funds to recapitalize the bank.

Three of the charges after police investigations were dropped, as they were not true. The two remaining charges were:

a) a conflict of interest on loans that were made available to the directors. The RBZ alleges that they did not disclose their interests when companies controlled by them accessed loans at concessionary rates from the bank. However the enterprising bankers dispute these charges, as they claim the Board minutes prove that this interest was disclosed. Even the annual financial statements of the bank acknowledge that they accessed loans as part of their employment contract with the bank.

b) money was owed to Finsreal Asset Management. However Mzwimbi argues that Finsreal actually owes them money and not the other way round. Royal Bank shareholders needed to inject money for recapitalization of the bank and were requested to deposit their funds with Finsreal Asset Management. Since some had not paid their portion of the recapitalization by the due date, Royal Financial Holdings, which had an account with Finsreal, paid the money on behalf of the shareholders – who were then indebted to Royal Financial Holdings. Somehow the RBZ confused this transaction as the bank’s funds and therefore accused the

shareholders of using depositors’ funds to recapitalize.

By retrospectively analyzing the court case wherein the Royal Bank executive directors are accused of defrauding the bank it appears that the RBZ created a falsehood in order to frustrate the bankers. The curator who initially refused to take a stand before the RBZ appointed Independent Appeal, has in court clearly testified that no monies were stolen from the bank by the directors and that the curator did not (contrary to RBZ assertions) recommend charges against the bankers. In January 2007 the former executive directors of Royal Bank were acquitted by the High Court on the remaining criminal charges after the prosecution failed to present a convincing argument.

Royal Bank assets were sold by the curator to ZABG barely two months after being placed under the curator, without any audited financial statements. The speed at which an agreement of sale was reached is astonishing. The owners of Royal Bank went to court and, after a protracted legal struggle, the court ruled that the assets were sold illegally and hence the sale was “illegal and of no force or effect and therefore null and void”. The court then directed that the owners should appeal to the Central Bank for a determination of the actions of the curators. The Central Bank begrudgingly set up an “independent panel” to adjudicate the case. Strangely ZABG continued to trade on the illegal assets.

The panel advised that the appeal by Royal bank be rejected as it would be difficult to disentangle it from ZABG. They also cited the fact that ZABG had some contractual obligations with third parties who may not want to do business with Royal bank. This strange ruling fails to explain why these considerations were not made when the amalgamation was done. The ruling also redefined the agreements between the curator of Royal bank and ZABG as not being an “agreement of sale” even though the parties which entered into the agreement clearly intended it to be viewed as such. This was a way of circumventing the Supreme Court ruling that the agreement of sale was null and void.

But the panel did not explain how this disposal of the assets should be considered if it was not a sale.

Consequently the major shareholders of Royal appealed to the Minister of Finance who upheld the RBZ decision. Mzwimbi and his colleagues have therefore appealed to the courts. In the meanwhile there was a failed attempt to sell the disputed assets by ZABG despite the outstanding legal challenge. Just ice delayed is justice denied.

Mzwimbi and his team have been denied access to all bank records and yet are expected to defend themselves. As he characteristically puts it, “We are going into this fight blind folded and our hands bound, while fighting someone who has armour and a sword.”

Copper Roofing – A Look at Its Advantages and Benefits

There is no denying that copper roofing can be a very expensive affair. The cause alone is the enough to throw most individuals of the idea of going in for such roofing. However, you should not the measure the advantages of going in for copper roofing merely on the basis of the final sales price.

Rather, you should consider the cost versus benefits. If you are short of cash and if your house needs urgent repairs, it is obvious that copper roofing may not be a viable option. However, if you do have sufficient cash in hand, then you should consider going in for copper roofing as an investment. The advantages of going in for copper roofing are the same as advantages of going in for gold jewelry or diamond ornaments.

Once you install the right roofing on your house, you can rest assured that your roofing problems are taken care of for practically forever. You will never have to spend heavily on maintaining your roof. This is because of copper is a metal that lasts really long. You must have heard about horror stories from your friends and colleagues of having to spend thousands of dollars every year just to keep the roof in good condition. You will be an exception because you will never have to incur such heavy expenditure once you have installed roofing on your house.

Secondly, it gives you a very rich and exotic feel to your house that are no other material can. Unlike other metals, it is not very heavy and will not add a lot to the weight of your roof. Low maintenance, aesthetic appeal, long lasting, good for the life of the house- these are benefits that you will enjoy if you go in for copper roofing.

If you were still are worried about the cost factor, why don’t you take advantage of the World Wide Web to check out the options that your local home renovation expert is not disclosing. Once you find that you can get in touch with different service providers offering copper roofing techniques and solutions that might just fit your budget, you might take a different view of the entire affair.

Further, you can get in touch with different individuals who have installed this form of roofing on their houses. You can check out whether the benefits that experts often attribute to copper are for real or not. They can also get in touch with those who have rejected copper roofing. You can find out whether they’re regretting the decision. All this will help you take an informed decision very quickly.