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Let people retire already


I’d like to make a proposal: people should get paid more for retirement.

My granddad just injured his back, and he’s gone on long-term disability so he can heal up and go back to work. He’s young for a granddad, he’s just 60 (I’m 20, we have kids early in my family. Actually, I’m due, I guess.), but it’s hard to watch him sitting around in his chair, uncomfortable because of his back, and yet still trying every day to get healthy again to get back to work.

He shouldn’t have to. He shouldn’t have had to work so long already. He told me a few days ago that he would have left his job by now if he didn’t need it, but his mortgage isn’t up yet and he’s got to take care of himself. My grandma died a few years back, and so it’s just him. I told him to sell the house, but he’s stubborn, he wants to keep it because it reminds him of her. So, he works. Or he did. I have my doubts that he’ll go back now.

I read up on this stuff because there was a worry he’d have to sue to get paid by the disability insurance people, but after a couple of long phone calls and a bunch of documents, they gave up, and he’s getting his checks.

But I read up just in case, and I learned that most long-term disability is just for three years. That really doesn’t seem long, not to me at 20, but I bet to Grandpa it is. He’ll be 63 then, retirement age. Will they even want him back then?

And that’s assuming he’s even able to heal that quickly. I look at him now, and I just don’t see it. I have to take him to his physical therapy every other day, and when I watch him, he looks so weak and old and so so so unhappy. I just want to hug him and take him away and let him rest.

I know the physical therapy is good for him, and I think he’s making a slow improvement, but I just don’t want him going back to work. I wish there were a way for him to get enough retirement money together so he could start relaxing a little and enjoying life again like he used to.

I said at the beginning that I have a proposal, but I guess I don’t. It just doesn’t seem fair to me, to see him struggle so much. He’s a good man, I love him, he’s my favorite member of the family, and the fact he’s hurt himself so badly working when he shouldn’t need to, when he should be taking care of his grandkids and enjoying life, I just can’t stand it.

I actually offered to go to work so that he could quit after he told me about not wanting to work, but he told me to stay in school. He’s always like that, always taking care of everyone else. I just wish someone would take care of him.

What is a 4th generation Oral Contraceptive?


Drospirenone is what is known as a 4th generation progestin, which is an essential component in the newer and most popular oral contraceptives Yaz and Yasmin. Oral contraceptives that contain 4th generation progestins are accordingly referred to as 4th generation as well. That sounds simple enough, but the question is why the distinction?

First of all, progestins are synthetic (man-made) forms of progesterone, the presence of which inhibits ovulation among other physiological effects, which makes it the active ingredient for contraception. Naturally occurring progesterone is poorly absorbed by the body and rapidly degrades. Progestins, on the other hand, are more stable. The first generation of progestins was developed in 1951 and was first approved for use in the US as an oral contraceptive in 1960. These were estranes (steroids) derived from testosterone.

As the science improved, so did progestins. The aim for use in oral contraception is for high progestational selectivity and low androgenic effects. By the 4th generation, progestins not only prevented ovulation, but actually improved skin health and regulated menstrual cycles. As a result of these improvements, oral contraceptives using 4th generation progestins such as drospirenone seemed to be a godsend to all women of childbearing age.

However, with the good came the bad. Some time after Yasmin (2001) and Yaz (2006) were introduced into the market, concerns started to crop up regarding the apparent link between some cases of abnormal rates of blood clotting and drospirenone. Although the number of cases was relatively small, it still prompted the Food and Drug Administration to conduct studies regarding the high risk of blood clotting being attributed to drospirenone. The results of these studies were not conclusive but indicative of a serious problem with the products containing drospirenone.

Today, despite the big numbers being used in personal injury lawsuit against Bayer for using drospirenone in their products, 4th generation oral contraceptives are still widely prescribed and used. And because Bayer refuses to acknowledge that the company knew or should have known about the risks associated with using drospirenone and withheld the information from the public, or to confirm that the health risks are present, anyone who is adversely affected by using Yaz and Yasmin may still be able to sue for compensation.

Different Business Formation Options for Your Company


When starting a business, the first thing you need to decide on is what legal form it should take. There are several considerations that need to be factored in for this, and a good understanding of business law in both the federal and state levels is necessary.

There are several kinds of legal business forms, each with their own taxation requirements. These include:

  • C-Corporations
  • General partnership
  • Legal liability company (LLC)
  • Limited liability partnership (LLP)
  • Limited partnership
  • Medical / legal professional entity formation
  • S-Corporations
  • Sole proprietorship

In order to decide which business form there are three things you have take into account.

Ease of Formation

Some business types are easier to form than others. A sole proprietorship, for example, will often only take a day or two to set up because in some states you don’t even have to file any legal documents. You only need to choose and file a name, get a license and permit to operate and zoning clearance, and get an Employer Identification Number. That’s it. Other business formats may require much more time and trouble.


Some people say that it is better to form a corporation because the individual owners or shareholders have limited personal liability when trouble comes a-knocking. In a sole proprietorship or partnership, the liability is taken on by owner or partners. But this advantage is also present for limited liability companies or partnerships. There are also two types of corporations, so it is important to know the difference between the different business forms when it comes to liability.


Another important consideration is how a business will be taxed. There are a myriad of laws that address this, and each business form has tax pros and cons attached. Tax laws can be difficult for ordinary people to understand, so this is usually the purview of accountants and lawyers.

When setting up a business, the above three factors play a big part in the legal personality of your enterprise. Starting a business is stressful enough. You shouldn’t overload yourself trying to learn all of the different legal processes. You can have a business attorney do all that for you. If you start the business in the best legal form for your particular needs, you will reap the fruits later on. A business lawyer who is aware of federal and local business laws can be of invaluable assistance in helping you achieve your business goals.

Vimax Detox – Your Answer to a Sexy Physique and Healthy Colon

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Going on a diet and exercising to lose weight has been an obsession to many figure-conscious individuals, especially women, the world over. Probably the wait for a product that will really shed off those excess body fats is finally over with the Vimax Detox, now an enormously popular product.

Vimax Detox, a fat burner, is found to be an extremely powerful and effective colon cleanser. It has been clinically proven that this product is able to wash out every bit of junk in the body, increasing metabolism at the same time without any harm to the immune system and without requiring any significant change in diet and lifestyle. Nicole Kidman, Kylie Minogue and Janet Jackson are just a few of the very famous celebrities known to be using this diet cleanser.

The product is proven to: reduce weight 4 times more effective than diet and exercise; increase energy; be rich in antioxidants; and, promote digestive and cardiovascular health. Its ingredients include:

  • Psyllium Husk – this dietary fiber source boosts sluggish colon; it also an effective relief against diarrhea, irritable bowel syndrome and diverticular diseases.
  • Senna Leaf – a great remedy against constipation and an efficient appetite suppressant; this natural ingredient contains anthraquinone glycosides, which transports food before the body absorbs it.
  • Rhubarb Root – nature’s cure to constipation and diarrhea: this ingredient has been used for many centuries to remedy digestive problems.Apple Fiber – a great relief against hemorrhoids, colitis and other constipation-related symptoms; it is also an effective protection against high cholesterol and heart disease.
  • Ginger Root – a powerful antioxidant and is known to lower blood pressure and alleviate digestive problems.

Vimax Detox simply separates the “im” from “possible,” when it comes to losing weight. By flushing out toxins and intestinal parasites that build in the colon, you don’t only experience constipation relief; you will also feel your weight going down and your body slimming.

Knowledge of Business Law Could Save You Time and Money

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It is often said that the best investment a company can make is retaining a lawyer with in-depth knowledge of business law in the state. Most small business owners think that they cannot afford a lawyer and can manage on their own, but this is a false economy in many cases. A small to medium business owner need only be sued once to wipe out any savings they might have made by not having a lawyer on board. That can completely destroy all of a person’s business aspirations.

The most common causes of business litigation involve:

  • Contract Terms
  • Intellectual property
  • Non-compete clauses
  • Overtime pay
  • Sexual harassment
  • Trade secrets
  • Workplace discrimination

According to the website of Arenson Law Group, PC, even when a business is owned and operated by family members, it is still possible for it to get entangled in litigation for non-compliance with federal and state agencies. Many reasons could cause these. For example:

  • Business license requirements
  • Tax issues
  • Environmental transgressions
  • Health code violations
  • Employee benefits

Business law is not always easy to understand, and it is easy to overlook an issue that could significantly impact the way you do business. Even with the best of intentions, a business owner can find himself or herself in trouble through sheer ignorance of the law. A business lawyer would know what needs to be done to keep legal problems to a minimum, saving the business owner a lot of time, money and stress.

Get the services of a good business lawyer in your area to give your business set-up a once over if you don’t want a retainer. This will provide the attorney with the information needed to give advice on how to be compliant with the laws and regulations of the state. One good way to look for attorneys in your area is to check out their Yelp page, where you can get reviews on the attorney from previous clients. A business lawyer is also an invaluable resource when it comes to setting up a business. If you are planning to put up a business, make sure that you have a business lawyer look over your business papers, contracts and agreements before you sign anything.

Legal Disputes and Business Litigation


Forming and operating a business is not easy, and business owners work hard to ensure that their business is successful. They establish contracts, they build relationships, and they oversee day-to-day operations. Unfortunately, sometimes people take advantage of their positions within or related to a company, and engage in illegal behavior that hurts the company or its owner. In such cases, business litigation might be necessary. According to the website of business lawyers Arenson Law Group, PC, through business litigation, parties that feel wronged in a business, like a business owner, might be able to file a lawsuit against the entity or person who wronged him or her, sometimes securing punitive and compensatory damages. While such process can be long at times, it proves on the long run fundamental for the business.

Causes of Legal Disputes

There can be a lot of different circumstances that drive legal action on behalf of a business or a person with a stake in that business. Disputes can occur about contracts, shareholder relationships, products, and many other aspects of a business. This can be strenuous for business relationships, which can end up becoming quite costly. Some of the more common stimulants of legal action regard:

  • Employment Disputes
  • Inadequate Quality of Goods
  • Failure to Deliver Goods
  • Construction Disputes
  • Failure to Honor Agreements
  • Breach of Contract
  • Trade Secrets Litigation
  • Shareholder Lawsuits
  • Business Assets Disputes

This list may seem exhaustive, but believe it or not, there are dozens of other reasons why someone might take legal action against or within a company, and the more a business owner knows about these legal cases, the better prepared he or she will be. In fact, in many cases, it is the business owner who chooses to take such action.

Important Considerations for Contract Drafting


According to the website of the Cedar Rapids contract preparation lawyers of Arenson Law Group, PC, a critical aspect of a new business is its various business contracts. There are many different types of these contracts and they might be between co-owners, an owner and shareholders, between companies, between an owner and a landlord, or between other entities. Drafting contracts can be a time-consuming process and there are many different considerations that a business owner needs to factor in. Forgetting even one important consideration can mean legal issues for a business in the future, so avoiding these mistakes is important. This is why contracts are important and a poorly-drafted one can be a disaster for the business.

Remember to Consider…

When you are thinking of drafting a contract for your business, the first step is to determine which parties are a part of this contract. Once this is established, a contract might be drafted more effectively, because each party’s responsibilities and liabilities will be clear in the contract. The contract itself should stipulate company regulations of issues like:

  • Structure of the company
  • Employee/employer relationships
  • Mergers, acquisitions, and subsidies
  • Relationships with shareholders
  • Purchase and sale agreements
  • Corporate bylaws, if necessary

These considerations can all be critical when drafting contracts for a new business. Without these considerations outlined in a contract, legal problems might arise over disagreements or misunderstandings in the future, and your company might be facing issues in court. But with a thorough and well-written contract and the help of a business lawyer, your company can avoid such legal problems.