ExpertAdvice

In these days of do it yourself (DIY) music recording, with a laptop and a bunch of software, Online distribution with the likes of The Orchard and Tune core, Retail outlets like Itunes and Amazon, and even low cost internet marketing strategies to boot, you might be left with one last nagging question. Should musicians, independent record companies etc now start writing their own music contracts as well? Well it definitely would be cheaper. Also, by writing your own music contract you might be able to resolve the issue of musicians working outside the usual music industry norms and completing the whole process on their own in the absence of any commercial record contract agreement. After all, such...

When people think of attorneys they often think of needing a lawyer to help fight a legal battle of some kind, a dispute over some valuable article perhaps, to defend a person that is accused of committing a crime, or to handle the business affairs of a busy executive. Whatever the situation may be there are many reasons to hire an attorney. Attorneys typically specialize in one type of law practice, however when several attorneys form a partnership the firm that emerges may practice many different varieties of law and specialize according to the staff of legal professionals that are employed by the managing partners. Back in the early 1990s a television program depicted the arrangement of a law...

Having a company to run and keeping a good working relationship with your employees can be difficult without the proper documents involved. When you are looking for a law firm to handle your employment law-what do they cover. Clear concise written documents will take the guesswork out of many disputes that may arise and this is one of our specialties. You should not have to handle employee discrimination and executive termination on your own. Many firms specialize in contractual law, and can handle your consultancy and service contracts for you. Not only do companies specialize in contractual law, but can also develop all employment contracts and policies; delivering your employees with clear and...

This article is the first in a series of seventeen articles that will give people insight into how real estate investors are able to buy and sell real estate with little or no money, no credit and little or no risk. While it may seem impossible, tens of thousands of these transactions are done weekly throughout the country. Most home buyers are familiar with buying a home using the traditional method of shopping with a realtor, finding a home and getting a mortgage to pay for it. While traditional, this method is in no way related to the huge leverage afforded investors doing deals with creative financing. The first and likely the most common method of an investor buying and holding a property for...

p>Conflict that extends outside the project team brings an additional layer of complexity to the problem. Given that the conflict is negatively impacting project performance, or will impact it in the near future, you will still want to take some action to remedy the situation, but now you have an additional objective to meet: preserving stakeholder relationships. Meeting this objective becomes even more important when the stakeholder is an external customer or client. This doesn't mean that all the remedies described in my article about handling conflict within the team are useless, it just means that you need to use them differently and in some cases this objective may influence which remedy you...

The recession may or may not be over – depending on what you read and whose figures you trust - but for many tenants, especially those who have lost their jobs as a result of the economic downturn, meeting their rent obligations could be a step too far. In a worst case, this can result in defaults, which could leave you, as a property owner, out of pocket. Fortunately, it is possible to arrange property owners' legal expenses and tenant default insurance – as an add-on to your property owners' insurance – that will pay you the rent you are owed, from one month after the date of default until you manage to regain control of the property with vacant possession (up to 12 months). So if your...

Equipment leasing helps thousands of U.S. companies to grow and boost their profits each year. Savvy business owners who benefit from leasing are aware of these top ten lease contract points:o Binding Agreement. Equipment leases are legally binding contracts. Usually the leasing company will have very few obligations to fulfill. In contrast, your company will have several significant obligations, including proper equipment maintenance, insurance, payment of rents, and others. Read the contract carefully and/or go over it with your attorney.o Interim Rent. This partial rent is due for the period between acceptance of the equipment by your firm and the lease start date. Many leases provide for a daily...

Atlanta construction lawyers represent clients such as contractors, homebuilders, suppliers, owners and sub-contractors in Atlanta. The construction litigation practices of Atlanta construction lawyers include trials, arbitrations, and mediations involving contract disputes, architect and engineer liability claims, products liability and warranty claims, building design defects, transportation and airport concerns, environmental concerns, public and private surety bond claims, construction liens, and acceleration and delay damages claims. Atlanta construction lawyers are members of the Atlanta Bar Association. Contract negotiations undertaken by Atlanta construction lawyers are for large commercial...

The aim of this article is to explain the importance of developing your requirements before even considering appointing a Contractor to undertake the works and also looks at some of the tools that are used to gain a thorough understanding of your requirements. You may be a board director or a senior manager and you have been tasked with the job of arranging the refurbishment or fitting out of a commercial office on behalf of your employer. You have been provided with an overall project budget and time frame when the works are to be completed. This task may appear a very daunting challenge given the possible pitfalls ahead. The skill set required to undertake medium to large projects is very specific...

If you are in need of business and litigation help from a Gilbert AZ attorney, you may find attorneys who strive to serve you in the most cost efficient way. Conducting a lawsuit in any manner can be an intense process. Attorneys throughout Nevada and Arizona can represent you and your needs clearly while proving many additional options that can increase the value of your case. When it comes to business and litigation needs, whether for small businesses, large businesses, or individuals, finding a lawyer who is committed to satisfying your legal needs might seem to be quite the undertaking. Connecting yourself into a firm with a quality reputation, however, is well-worth your efforts of finding the...

Domain name conflicts affecting business are on the rise. Fortunately, victims of domain name abuse have an effective tool to fight cybersquatting. The Uniform Dispute Resolution Policy (UDRP) adopted in 1999 by the International Corporation for Assigned Names and Numbers (ICANN), the international body responsible for domain name governance, has been used to address thousands of domain name conflicts. As an ICANN UDRP Panelist with over 125 reported decisions, I have read many submissions, some very good, many bad. Here are six recommendations for UDRP submissions. 1. The Complaint (or Answer) should be a brief. This is your only chance to argue your position. Treat it like a memorandum in...

Medical malpractice cases are rather unusual in the fact they can be so dramatically different from one another in my past law experience - such as a case regarding a beautiful English woman and the damages done to her breasts by a plastic surgeon. When the time for the trial rolled around, the color photos I'd received simply didn't portray the serious extent of the damage inflicted on this poor woman's breasts. So, I requested that the judge allow me to have the client undress in the presence of the jury. He assented, and everyone moved to the judge's chambers. As my plaintiff bared her upper torso in front of them, the jurors viewed the damage. I know surgeons have a difficult job. However, in my...

Can you imagine Doris Day as Mrs. Robinson in The Graduate (1967)? That's who producer Joseph E. Levine wanted before Miss Day turned it down thinking the part in bad taste, and it went to Anne Bancroft. How about James Cagney as Robin Hood in 1938? A contract dispute caused Warner Bros. to drop him and hire Errol Flynn instead. Do you know that Margaret Mitchell wanted Groucho Marx to play Rhett Butler in Gone With The Wind (1939)? But perhaps the wildest casting choice in the History of Hollywood involved The Terminator. James Cameron had directed a movie called Piranha II: The Spawning (1981). "I'm sick of these B-Movies. I got to direct a better movie than this. I'll write my own script and won...

Disputes can be minimized by proper pre contract preparation, for example, by ensuring that the information and contracts are clear and complete account, and that both parties understand their roles and responsibilities from the outset. However, some disputes may still exist - despite precautions. There are a number of methods to deal with construction litigation. These include litigation, negotiation management, expert determination, conciliation and arbitration. Which method is suitable for any controversy that depends on a number of factors, including contractual provisions that specify the method of dispute resolution should be used? It is important to have the opportunity to negotiate the terms...

Severance: Many states require that certain provisions be included and can rule clauses invalid, as the state-specific requirement serves to demonstrate. That's why severance provision is useful. Not even veteran attorneys can know every clause that would or wouldn't be permissible, so they often use the following severance clause: "If any provision of this Agreement is held to be invalid by a court of competent jurisdiction, that provision shall be deemed to be severed and deleted, and neither that provision, nor its severance and deletion, shall affect the validity of the remaining provisions." Such a provision keeps the heart of the document intact. Execution: I like having both sides notarize...

Last year, much was written in the papers regarding a Muslim manand an orthodox Jewish (Hasidic) woman going into business together in two Dunkin' Donuts franchises. Both are married with four young children. Essam "Sam" Habib and Hindy "Cindy" Gluck met while she was a real estate broker showing him store locations. They decided to pool their life savings and, in 2005, opened a Dunkin' Donuts franchise on Church Avenue at East 17th Street in Flatbush, Brooklyn. In 2006 they opened another Dunkin' Donuts franchise, on Flatbush Avenue and Sixth Avenue, in Brooklyn. Habib is the majority shareholder and Gluck owns less than 50% of the business. He goes to his mosque to pray on Fridays and she takes...

A native of Alexander City, Alabama, Terrell Eldorado Owens was born on December 7, 1973 and is often referred to as 'T.O.' He is currently the wide receiver for the NFL's Dallas Cowboys after being chosen in March 2006 to be a part of the team's upcoming season. During the majority of the 2005 season, Terrell Owens was an inactive player of the Philadelphia Eagles. The activity, or lack thereof, was due to a contract dispute and conflicts with fellow teammates, including quarterback Donovan McNabb. When Dallas Cowboys owner Jerry Jones announced that Owens had signed a contract to play for his team, it seemed that all of the controversy from the previous year was over. While Owens is undisputably...

What better way to cap off Week 1 then with a Monday Night Football doubleheader! Sunday featured its share of hard hits and upsets and tonight promises to deliver more of the same when Baltimore stops in at the new Meadowlands Stadium. BALTIMORE AT NEW YORK JETS Line: Jets -2.5 Over/Under: 35.5 Sportsbook opened this game at New York -3 but the Darrelle Revis holdout and 65-70 percent support from Ravens backers edged this line off the key number down to -2.5. Both of these teams finished last season at 9-7 straight-up (SU) and put up a good fight in the playoffs. Key additions to the offense will bolster the attack but the edge in QB has to go to the Ravens. Joe Flacco is in his third year and...

Jenson Button was born in Frome, Somerset in 1980, son of Simone Lyons and John Button, for Rallycross driver. His first experience of motorsport came at an early age. When he was eight years old his father bought him his first kart. He took to motorsport very quickly and in 1991 he managed to win all 34 races of the British Cadet Kart Championship. The following years saw further Karting success, culminating in 1997 becoming the youngest ever driver to win the Super A championship By the age of 18 Jenson had progressed to single seater car racing with the British formula Ford championship, winning 9 races and taking the title. That year he was also awarded the McLaren Autosport BRDC young driver...

Hockey - The Greatest Game I became a hockey fan in 1963. I watched my first game at a friend's house as a freshman in high school. He was a Chicago Black Hawks fan. I was always an avid baseball and football fan but hockey was different. It was like a tug of war. At times, momentum would shift from minute to minute. Other times a team would control the other and dominate them for entire periods. The players had different combinations of talent and toughness. Like other sports of the era, many players were on the same team for their entire career. Just name the player and his image will come to mind in their team uniform. This was the old six team NHL. The Chicago Black Hawks, New York Rangers...

This Super Bowl should have been moved to the Superdome, if only to highlight the epic Quarterback battle between Peyton Manning and Drew Brees. New Orleans is the City of the 'Aints, the infamous paperbag fans, the years of Coach Mora and the kinship of the Manning family. Then followed Hurricane Katrina and its aftermath. The City of New Orleans deserves the celebrity and spectacle, never mind the revenue that a Super Bowl will bring. Both Drew Brees and the Manning family have been deeply involved in the storied history of what is an epic American city, living a fairy tale story this year. The highlight of this game is the legacy of the Manning family, led by Archie, against the valor of Drew...

If you become involved in a legal dispute, then it is essential that you hire a solicitor to represent you. If you represent yourself in court, then you will almost certainly lose, as an in-depth knowledge of the law is required, and that not is something that you can learn yourself (unless you have a few years spare to go to law school). The good news is that hiring a solicitor need not be difficult or overly expensive. You do need to follow some basic guidelines though... References - Ask your friends if they have dealt with any solicitors who they were particularly pleased with. Even if they personally have not, one of their friends or family members might have done. If you do not get any leads...

It's been a tough couple of years for just about everyone in this business. There is, I suspect, one exception though - attorneys that specialize in suing car dealers. It seems that the recent economy has caused a higher than usual amount of disgruntled customers. An example is the customer who can no longer afford his or her car payment and would like to find a way out of the deal. Then there are the folks who got used to trading in their vehicles pretty much at will. No down-payment? No problem. Upside-down? No sweat. Well, as we've become painfully aware, those days are over. So, unfortunately, there are customers out there who feel that they got "screwed" by a dealer because they owe far more...

When learning another language, experts recommend that you immerse yourself in the language. The same principle applies when learning how to play guitar. Listening to great guitar players can be a source of inspiration, can encourage you to keep practicing, and give you a goal to work toward. The following are the top ten greatest guitar players, listed in no particular order: 1. Jimi Hendrix - At one point, Hendrix couldn't get a break in Nashville, and he ended his backup days with Little Richard in a contract dispute. He quickly realized, however, the value of innovation in playing, as well as in putting on a stage show that fans would remember. Many fans claim he was the greatest guitarist ever...

When it comes to proofreading copy, whether it's intended to be published online or in print, there's no room for error. As soon as that copy is out in the public domain, it stands as a representation of whoever has written it. The job of a proofreader is to act as a safety net for these errors, catching and modifying mistakes before they can be allowed to slip through - but sometimes, mistakes slip through regardless. Even the most diminutive of proofreading errors can cause huge repercussions, at the very least making the author seem careless and uninformed, and at the worst changing the meaning of what is being said entirely. Although this can be amusing in some circumstances, ultimately this...

The San Diego Chargers have started training camp this past week and it begins the new football season ahead, but Charger fans wonder if this is their year or is it another year of broken promises? The San Diego Charges begin the 2010 season after a much dissapointing 2009 season where they lost in the first round of the NFL playoffs to the New York Jets. The 2010 season brings the loss of their leader rusher Ladanian Tomlinson and a loss of a few key players. What the new season brings is a new draft pick, Ryan Matthews from Fresno State. He along with Sproles will bring an exciting new running game to the Chargers backfield and expand the running game. The San Diego Chargers also bring back...

Here are the rankings and my opinions to follow after: 1. Drew Brees 2. Aaron Rodgers 3. Peyton Manning 4. Tom Brady 5. Tony Romo 6. Matt Schaub 7. Philip Rivers 8. Brett Favre 9. Joe Flacco 10. Eli Manning 11. Matt Ryan 12. Donovan McNabb 13. Jay Cutler 14. Kevin Kolb 15. Chad Henne 16. Alex Smith 17. Ben Roethlisberger 18. Carson Palmer 19. Matt Leinart 20. Matt Cassell 21. Vince Young 22. Matthew Stafford 23. Mark Sanchez 24. Kyle Orton 25. Jason Campbell I gave the top spot to Drew Brees for one big reason: WEATHER. I love Aaron Rodgers as much as the next guy but Brees playing the majority of his games in a done compared to the brutal Decembers in swirling wind and snow certainly enhance his...

This Sunday on the nation's birthday, Joey "Jaws" Chestnut puts his Mustard Belt on the line in an attempt to win the Nathan's Hot Dog Eating Competition for the fourth consecutive year. According to the Oddsauthority, he shouldn't have much of a problem devouring the most wieners as he is the overwhelming -1000 favorite. It seems like yesterday when Chestnut did the USA proud when he defeated six-time champ Takeru Kobayashi to win what is considered the Super Bowl of competitive eating. Currently the top ranked eater by the International Federation of Competitive Eating (yes there is such a thing), Chestnut's road to his fourth title seems to have gotten easier as Kobayashi most likely won't be...

The New York Jets are expecting very big things for the 2010 NFL season. They made a very deep, surprise run to the AFC championship game last season. Now they want to build on that success, and they want to build all of the way to a Super Bowl title. The offseason was busy and filled with moves, and the Jets are ready to make an impact. The biggest story of the offseason was the contract dispute with star cornerback Darelle Revis. Revis played exceptionally last season and was a major factor in the team's success. He was unhappy with his rookie contract, and wanted to be the highest paid cornerback in the league. After a long holdout and threats by both sides about missing the entire season, Revis...

A handyman is paid to fix various issues that arise around the house. Usually these jobs are smaller like fixing a leak or installing an electrical outlet. They are generally a much more economical choice over a plumber or electrician. The skills of a handyman are often diverse, but different professionals have different areas of expertise. Consequently there are a few actions to take when hiring an expert for any type of job including: • Making a list • Obtaining references • Asking for a written estimate • Getting a contract in writing Making a List If you have more than one area of the house that needs to be fixed, it's best to make a detailed list outlining the issues. Do not assume all are...

The San Diego Chargers are entering the 2010 season with a brand new look, at least at one position, but it's a new look that has big implications for the club. The team got rid of future Hall of Fame running back LaDainian Tomlinson, who broke records, won an MVP and led the club to success for much of the past decade. In getting rid of Tomlinson, they feel that they are moving past a player who is beyond his prime, and has been steadily declining for the past two or three years. They are also ditching his ego and his demand for the spotlight. They still have a talented group of running backs, including some of their young draft picks, as well as the super speedy and diminutively sized Darren...

There are a lot of ways to structure a real estate contract. The focus of this article is on providing you with some helpful clauses and addendums that can be used to minimize risk and maximize profit. Weasel Clauses - You've probably heard this term before. It's associated with a clause that lets a buyer out of a contract. Regardless of the negative connotation that might be associated with them in some circles, a good weasel clause is essential to structuring a risk-free contract as a buyer. One of my favorites to use is "contract subject to approval of buyer's partner". Your partner does not have to be named in the contract and could be anyone (or anything, if it's an entity like a corporation...

John Riggins is a Football Hall of Famer who has made his mark on football for all eternity. He first began playing with the New York Jets to later move on to the Washington Redskins. It was in 1992 that he was inducted into the Hall of Fame and for good reason. From 1971 to 1975, Riggins played for the New York Jets, He was actually a Jets MVP, but he then moved to the Washington Redskins from 1976 to 1979 as a free agent. At the time he signed on, he was offered a contract for four years in the amount of $1.5 million. Riggins was best in situations where the yardage was short, but a knee injury knocked him out of the 1977 season. That didn't keep him from gaining over 1,000 yards in 1978 and 1,000...

Assuming it is executed properly and valid by a state's laws, a restrictively endorsed check can be employed in some situations with a likelihood of good results. In the case of bodywork performed on a car, for example, the value of the work relative to the dollar amount charged might be called into question, and this is where a bona fide dispute is far more palpable. Was the work actually completed? Did the work performed actually cause a reduction in value of the car? Did the car sit in the shop for an unreasonable period? Did the other party breach the contract in some way? Complicating things even further, in some states, such as Ohio, there's a rule called "substantial performance," where if a...

A before the even legal expenses insurance provider will be able to understand your needs and deliver a product designed to meet your specific requirements. They are always keen to work closely with solicitors, accountants, broker networks and underwriting agencies to develop solutions relevant to their client's demands and needs. These providers are well experienced and can assist the clients to better manage the risks, which they are facing. They provide innovative sustainable solutions and insure against the legal risks faced by the business community as well as offer clear and simple communication, exceptional customer service and inexpensive products. You can rely on these specialists for truly...

Statistically speaking, odds are that the average person will end up involved in a lawsuit - either as a plaintiff or defendant - at least one time during the course of his or her life. (This does not include being involved in a divorce case; rather, this refers to the statistical probability that a person will be involved in a lawsuit involving a personal injury or contract dispute at some point during his or her lifetime.) Because it is likely that a person will end up involved in a lawsuit for one reason or another during his or her lifetime, it does behoove a person to have a basic understanding of what is known as civil procedure. Through this article a basic overview is provided of the...

Business deals and transactions should be dealt with a very keen absorption and comprehension of every detail being brought up and discussed with regards to the deal. Almost always, parties involved in a business transaction, before proceeding into the signing of contract, takes several meetings and a lot of discussions over important details that should not be missed out and should be given utmost attention in the contract. Both parties should carefully take note of each and every detail that is being brought-up and discussed in the meeting and see to it that the terms and conditions being mentioned are agreeable and acceptable to parties concerned. Upon presentation of the contract, check and...

While most people understand that contracts are agreements between two or more parties that outline the terms of personal or professional. Contracts may involve the sale of products, property, or goods, or they may outline the terms of work to be performed. In addition, contracts may be used to guarantee that certain actions will be taken or can protect against the disclosure of important information. When it comes to business, people often use contracts to guarantee that work will be performed, that employment expectations will be met, or that confidentiality and business practices will be upheld. Contracts can also help settle disputes and are a very useful tool for many businesses and can help...

I did not understand contracts and I still do not understand contracts Thus said Janette, the mother of International and Manchester United footballer Wayne Rooney as she sat in court earlier this year at the hearing of a contract dispute between her son and his former agents. And she is not alone - so many of us recoil at the mere mention of the words contract, agreement or terms and conditions. Then there are those of us who rely on a wing and a prayer, and the traditional handshake between two gentlemen, when dealing with their clients or suppliers. Well it is time to get real! In the words of Meil Stein, the agent representing Wayne Rooney:in the real world, people do in the world of sport...

Given today's economy, small businesses face an even tougher dilemma-how to increase revenues. There are several discussions concerning government contract efforts to provide more federal contract opportunities for smaller business entities. The reality is that there probably will not be too much change in the current efforts because the push would more than likely have to stem from congressional mandates. The executive agencies tend not to change too much given the many controversies and arguments made against the constitutionality of the existing programs. For example, the existing SBA program is currently being challenged as unconstitutional. A recent article referencing a federal court decision...

One of the tools used in the business of real estate is the use of contracts. However, not many people understand what the contract is all about or the purpose of having one. There should be no excuse for a seasoned expert or a rank beginner from not knowing or understanding the contract. A person who wants to invest in a real estate property should be know the basics of a real estate contract because the basis behind this contract came from the "common law contract principles." In most states, real estate agents and lawyers make use of standardized contracts like Counteroffer and Acceptance and Offer. The term offer refers to the contract that is being drafted. Meanwhile, the buyer is the one who...

Commercial law is the law that is charged with governing business, and includes the legal ramifications of business dealings and encompasses the entire scope of commercial transactions. It is very important to individuals and organizations that are engaged in day-to-day business and commercial transactions. The commercial legal field ensures that all applicable laws governing business and commercial transactions are followed, which creates an atmosphere of fair and just business dealings. Without the governing rules provided by commercial law statutes, the business world would be a free for all of unfair and unjust business dealings, which would follow no ethical guidelines. The field is usually...

Although we all have an understanding of what law is, and generally why it's appropriate that it should be in place to serve and regulate our conduct in society, we seldom think of what law actually means in an everyday context.  What is law for the average Joe in the street?  How does law impact on our lives from day to day?  Indeed, is the law a distant concept with which we find it hard to relate?  In this article we will look at some of the fundamental ways law operates in society, in addition to the nature of the law as we know it. For some people, they feel as though the law is there merely to protect their interests, and that they have no need for daily interaction.  However, they assume...

If you are a 'people person' and you are interested in learning about the ins and outs of the real estate industry, then being a real estate agent just might be a lucrative career for you. So why do you need to be a 'people person'? The first, and most important reason, is that real estate agents act as a mediator between home sellers and the buyers. You need to be acquainted with the immediate neighborhood so that you will know which families or homeowners are interested in buying or selling properties. Also, you should have the ability to help couples, families or individuals look for a home which fits their needs, taste and budget. Such is the nature of a career in real estate and if you can...

A lease is a contract and also a lease operates as an instrument of conveyance. Residential leases are governed by the common law of contracts and also state statutes. A lease must meet provisions to be considered legally binding: offer and acceptance; consideration; capacity to contract and a legal subject matter. Offer and acceptance is when both the tenant and the landlord agree to the terms of the contract. Consideration is the payment of rent in exchange for occupation of the leased property. Capacity to contract is both the tenant and the landlord are of legal age and capacity to enter into the contract. Legal subject matter states the contract is legal. The landlord is responsible for...

Are you looking all over the web to find out how to get your Texas real estate license?  First, there is a better option than sitting in a classroom for 1-2 months; get your real estate license online!  Next, searching the Internet to find exactly what you are looking for can be very frustrating; quit your exhaustive voyage of researching online real estate schools one at a time; view the top schools all in one place.  The following steps are extremely important in making sure you meet the necessary license requirements and complete your courses quickly and easily. Check out the following real estate agent license requirements to become licensed in Texas.  Note: College credit does allow you to...

If exchange is the core concept of the discipline of marketing, what is the discipline's unit of measurement? The answer is a transaction. A transaction consists of a trade of values between two parties. We must be able to say A gives X to B and gets Y in return. Jones gives $400 to Smith and obtains a television set. This is a classic monetary transaction, although transactions do not require money as one of the traded values. A barter transaction would consist of Jones giving a refrigerator to Smith in return for a television set. A barter transaction can also consist of the trading of services instead of goods, as when lawyer Jones writes a will for physician Smith in return for a medical...

Long-term disability(LTD) insurance is designed to protect individuals, employees, business owners or professionals who may need skilled nursing, intermediate care, or custodial care following an injury or illness. This type of insurance may prove critical in covering the cost of long-term disability care, and preventing policyholders from having to sell off personal or business assets. Contrary to critical illness insurance which typically provides benefits up to age 65, long term care insurance may provide benefits up to age 80. LTD care can be based in a nursing home or other care facility or at home. As this type of permanent care can be extensive and costly, this type of insurance more than...

Documents such as records, letters, bills, contracts, and similar writing form part of evidence in many lawsuits. In court, the best evidence rule requires that when a document is offered as evidence, the original document or writing has to be produced and submitted. To be admitted as evidence, a document has to be properly identified or authenticated. In dealing with documentary evidence, the following things must be considered:o Parole evidence - This is a principle in the common law of contracts which presumes that a written contract embodies the complete agreement between parties. As a rule, it forbids the introduction of 'extrinsic' information or external communication between parties, other...