What You Can Learn From My Summer Vacation

‘Remember in our youth the standard return-to-school “What I Did on My Summer Vacation” essay? This summer has given me several lessons that have value for you today.

The story begins with a local police officer knocking on my door at 9:00 one night, asking me about my brother, Billy. Of course, you know what happens next–I find out that Billy died in a motorcycle accident a few hours earlier. He was 57, divorced, with no children. He was a floor layer, a regular ordinary guy. Like you and your team members.

First lesson: we are in a business of relationships. Don’t let corporate purchasing and hard bid tactics make you forget this. While price is part of the purchase consideration, the quality of your work and the relationships you foster with your clients, customers, and co-workers are paramount. I first realized this as word about Billy spread through the grapevine and I received numerous calls, emails, and cards of condolence from across the country. These were unexpected and much appreciated.

I saw it again at his wake. Having worked his trade in the New York area for over 30 years, my brother was well-known. On that Memorial Day weekend, we were visited by many of his associates. Not just tile guys, but the Foreman from the Laborers, and a superintendent from a General Contractor, to name a few. There were even guys who had worked with our father in the business-and some even remembered when I had helped out on a few jobs, way back when! Connections between people-that’s what it’s about.

Next lesson: how is your health? Construction is hard work, yeah. But it isn’t a substitute for quality exercise and eating. Billy wasn’t in bad shape, but he wasn’t in good shape, either. He loved to eat; cooking was his hobby. He didn’t exercise. And he had coronary artery disease. In fact, he may have had a health crisis that triggered the crash. We don’t know for sure. But we do know that he was not taking care of himself and now, he’s gone. Are you taking care of yourself? (If not for yourself, then for those who love you.)

“Divorced with no kids” sounds like an easy estate to deal with, right? Well, it would be if

  1. there had been a will (there wasn’t)
  2. there had been up-to-date beneficiaries on his life insurance policy (his ex-wife is still listed, although that wasn’t his wish; he just “never got around to” changing beneficiaries even though they’d been divorced for several years), and
  3. all his records had been kept in one place (not even close).

Looking through files and folders is never easy, but having to weed through pay stubs from 1986 makes the process even harder. I realized that my finances and directives are in a similar state of disorganization. I am currently creating what I call the Red Envelope, where all of that information is being placed to make the process easier for whoever needs to deal with it. We need to do this for the benefit of those around us. If you are a business owner or the head of a household, this becomes even more important.

By now, you may be fed up with my personal ramblings. But remember what my brother did for a living. He was a regular guy, he was just like you and the guys who work for you and with you. I am hoping you can learn from him so your team is better off.

Select an Experienced Defense Lawyer

Some of you may be wondering why you would ever need a San Antonio defense lawyer. Well, any time a person is accused of a crime-whether they are innocent or guilty-they have to build a defense to present in court. An experienced lawyer will help to not only build a strong argument, but also deliver it during the trial.

Lawyers will assist you from the time you have been arrested and throughout your court case. They provide legal services after your case, if you have been tried and convicted through the appeals process. You can obtain a professional San Antonio defense lawyer privately, meaning you, a relative, or friend researched credentials, and secured one personally.

In selecting the right legal representative, you want to make sure they have expertise in the area in which you were charged. Someone that has experience going to trial and fighting cases similar to yours, preferably with a high success rate would be very beneficial. It wouldn’t be a good idea if you have a felony case, and the lawyer has only handled misdemeanors in the past.

The lawyer you secure will examine your case and look at you as being innocent. They will advise you and secure all of the documentation they need to present the best case on your behalf. The types of crimes a San Antonio lawyer can help you with are crimes of a violent nature, like assault, murder, sexual assault, molestation, possession of drugs or trafficking drugs.

While many lawyers can handle federal and capital cases such as murder, sexual assault, and drug violations, they are usually also adept at handling what are known as “white collar” crimes, such as embezzlement and fraud. Another thing to keep in mind when looking for an attorney is that many of them offer free consultations, so inquire about this before setting up a meeting with any lawyer. This can not only save you money, but can also take off any pressure you may feel to choose a lawyer that you don’t really want.

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How to Safeguard Your Immune System

The immune system of a human body is a network of cells, tissues and organs that work together to defend the body against the attacks by the ‘foreign’ invaders. The term ‘foreign invader’ is used for the bacteria, parasites, fungi and other viruses that can lead to illness through infections. It is the job of an immune system to keep these infectious organisms out and destroy them.

Though unseen, the immune system cells are constantly gobbling up with the bacteria and blocking viruses from invading your cells. Similar to your heartbeat and indigestion, the immune response is a system that functions on its own and you don’t control them. But, there are a lot of practices that can work as your helping hand. Some of such practices are:

Good hygiene- The first step to begin with the defence is to keep all prospective germs at bay. How can it be done? By following good personal hygiene habits. Stop infection as it begins and before it begins. Make sure you avoid spreading your infections to others with these simple measures:

  • Wash your hands regularly with soap or use sanitizers 5-6 times a day. Always prepare or eat food after washing your hands and every time you use the restroom.
  • Whenever you sneeze or cough, make sure you cover your mouth and nose with a tissue in order to avoid its germs infect others.
  • Always bandage all your cuts because if left open, it can become septic and harm your immune system. If you have any serious cut or wound anywhere on your body, get is examined by the doctor within due course of time.
  • Do not touch your healing wounds and do not squeeze pimples because doing so allows germs to enter your body.

Vaccination or Immunisation- A number of serious infections can be prevented by immunisation. Whereas vaccination is used to cure a sore arm or low fever. The vaccination is generally safe and effective in curing such diseases. And when it comes to the infections, consult your doctor for the immunisation status. A number of health care providers and centres provide immunisation services. Generally:

  • Children should be given all necessary immunisations and vaccinations as and when recommended by the doctors.
  • All adults should make sure their vaccinations are up-to-date.
  • Travellers should get additional immunisations before their date of journey.

Food safety- Mark yourself safe from the causes of food-poisoning not because they are life-threatening but they can lead to serious medical conditions sometimes. For this, you have to prepare and store your food safely. Take necessary precautions to kill germs or to prevent them entering your immune system:

  • Wash your hands with soap and water before and after each time you handle a raw food.
  • Rinse all meat, poultry, and fish under running water before cooking. Rinse all fruits and vegetables under running water before cooking or serving them.
  • Separate raw foods and cooked foods, and never use the same utensils or cutting boards with cooked meat that were used with raw meat.

Healthy travel- If you’re planning a trip, make sure you consult your doctor once, for, if your body needs some immunisations and vaccines before you make any travel. Consult your doctor at least 3 months or as early as possible about your journey and ask him about the precautions you have to take during your visit to the place.

Top Ways to Prevent Chronic Disease

Even if you have a family history of chronic diseases, you can take steps to prevent these conditions and maintain your health for many years. Studies show the best ways to prevent chronic diseases include:

Eating Healthy Foods
No diet has to be perfect, but you should strive to eat nutritious, lean foods as much as possible. A healthy diet should always include foods like:

  • Vegetables and fruits
  • Lean meats like poultry
  • Fish
  • Nuts
  • Beans
  • Whole grains
  • Healthy fats like olive oil or avocados

By filling your plate with these items, you’ll rarely have space left to eat sugary or fatty foods that can increase your risk of a chronic disease.

Staying Active
You don’t have to run marathons to see the health benefits of exercise. Simply walking for about 150 minutes each week can help your body stay healthy. Even if you walk in short 10 minute intervals, you will see healthy benefits.

For extra health benefits, incorporate resistance training to build strong muscles and bones.

Maintaining Low Blood Pressure
High blood pressure (hypertension) can hurt your heart and your kidneys. While a healthy diet and exercise should keep your blood pressure healthy, be sure to check your blood pressure at least once a year and take blood pressure medicines as your doctor recommends.

Sleeping Well
Sleep may play a larger role in your health than you think. People who are sleep deprived tend to have higher levels of stress, higher blood pressure, higher blood sugar and poor metabolism. Proper sleep helps your body work well.

Keep a Healthy Weight
If you are already at a healthy weight, work to maintain that weight through proper diet and exercise. If you are carrying a few extra pounds, work with your physician to find ways to lose weight that work for you. Everyone is different, and no single weight loss plan works for everyone. Keep trying to find the plan that’s right for you and your lifestyle.

Don’t Smoke
Smoking has countless negative effects on your health, increasing your risk for heart attack, stroke, lung cancer and more. If you need help quitting smoking, speak to your physician. Your physician can help you find smoking cessation support and give you access to prescription medicines that might help you quit.

Remember, your doctor is your partner in healthy living. If you have any questions about preventing or managing chronic disease, always ask your physician for help.

Real Estate Investment Financing

Real estate investment financing is a better option than the traditional residential real estate mortgages. The financing in this sector is done mainly by borrowing money as it is more lucrative than investing one’s own money in a single real estate. Real estate investment is a great possibility for many people to gain equity and to generate cash flow and due to this, demand for commercial real estate investment financing is increasing day by day. The real estate investments include homebuilder stocks, real estate mutual funds and real estate investment trusts (REITs).

A real estate investor can get around 98 percent financing for his investments. Even, cent percent financing is available. Zero down real estate investment financing is a fully documented loan which is provided to a single family, townhouse, or condominium. The only requirement for this program is excellent credit. It is now available at reasonable rates. For investment properties, limited and no documentation loans are also available.

Many companies are providing financing for the real estate investments. Most of the business concerns are allowing a maximum of 5 to 6 new rental property mortgages yearly. These companies provide low interest rates and quick close available (48 hours) options to the investors. For a reliable and stable financing, short term and interim financing loans are available. It is hard for a person to get real estate investment financing for more than six properties in a single year. In this situation, sellers financing is the best alternative for achieving the maximum leverage of the investment.

There are various real estate investor financing books available in the market from where one gets rich information about the financing methods. Other means through which one gets ample information about the real estate investor financing are courses, books, tapes, software and services. Before trying a real estate investment financing, make sure that the banks are regulated by the federal government and are capable enough to underwrite conforming loans.

What Damages Can I Claim After a Drunk Driving Accident

Being injured in a drunk driving accident can be life-altering. You need to hire a professional personal injury attorney. Only he can educate you regarding the legal process and eventually help you win the case with the best possible compensation.

As per the Florida law, you are a victim of a drunk driving accident if the accident causes you loss of any form that demands compensation. Under Florida Statute for victims of DUI crashes, there are certain “allowances” provided for the victims. However, the victim or his lawyer often requires to pursue these allowances he is subjected to!

You must be aware about the multiple ways through which a victim can obtain benefits. A set of Qualification Requirements has been established by the Florida’s Bureau of Victim Compensation for receipt of funds under its Crimes Compensation Act. Here are the requirements:

  • The reporting of the crime to law enforcement needs to be done within 72 hours.
  • It is necessary for the victim to have suffered some form of personal physical injury. There is an automatic reduction in the funds for those who have just suffered psychiatric or psychological injury due to the accident.
  • Application needs to be filed within the time period of one year after the crime date. In case a valid cause is shown, the time period might be expanded up
  • to 2 years.
  • The victim must cooperate with law enforcement, State Attorney’s Office, and the Attorney General’s Office fully.
  • The victim must not have been engaged in any form of unlawful activity at the time of the accident.
  • The victim must not be responsible for the accident in any way.
  • The victim must not have a record of felony conviction.

What are the benefits available to the victim?

You need to meet all the above criteria in order to be proven as the victim. Only then, as per the Bureau you are entitled to the following benefits:

  • Loss of wage
  • Loss of support such as the death of a close relative etc.
  • Disability of any form
  • Expenses related to funeral
  • Expenses pertaining to medical treatments
  • Mental health counseling
  • Compensation for any kind of Property Loss

However, the truth is that you and your lawyer need to pursue your compensation actively in order to avail all the benefits available under the Florida Law. This specific statute helps to save you a good deal of your medical costs.

An injury caused due to drunk driving accident might cause you loss of time at work and subsequently loss of high wages. You might have to struggle to pay the bills. When your general bills are added on by your medical expenses, you might lose your sleep at night. So, it is more than essential for you to claim lost wages in a drunk driving accident. This includes future wages If the injuries you suffered leaves you disabled or incapable of functioning properly to provide output to the company, you need to count your future wages as well for compensation.
You are also entitled to seek damages for pain and suffering caused by such an accident. This involves the physical or mental distress caused due to someone’s death. You need to prove the nature and severity of your injury as well as the prognosis issued by the doctor with the intent to claim such damages.
Out of all the damages claimed, those related to medical expenses is the most common. This is because in most cases, medical expenses can add up at a striking rate into a lump sum. The situation might be the same even when you have medical and auto insurance. You can demand reimbursement for ambulance rides, consultations, medical equipment, physical therapy, in-home medical care and all other expenditures.
What to do just after a drunk driving accident occurs?
  • Dial 911

When you find out you are the victim in the crash, dial 911. Make sure to receive treatment for your injuries instantly, if possible. Police officials soon test the other driver for the accident.

  • Gather contact information

Collect important contact information. It includes the other driver’s name, contact number, address, and details related to insurance. Also, gather relevant info from the witnesses on the scene. Gather their basic contact information as well since it might come handy later.

  • Gather every possible piece of evidence

Click pictures of the crash scene, the vehicles or vehicles that were involved, and any injuries that you suffered. If there are other pieces of evidence like torn clothing, crashed debris etc., make sure you keep those handy as well.

  • Hire a drunk driving accident attorney

Only the qualified drunk driving attorney has an absolute knowledge on law. At first, the case might seem to be simple but things might get tense with the progression of the case. So, be on the safe side and get yourself a proper attorney with specialization in this field.

Who is usually responsible for drunk driving accidents?
If the person who apparently caused the accident is found to have a BAC that is higher than the legal limit, you can go ahead in filing a lawsuit against him. You can also file a claim against a restaurant or bar if it is responsible for providing alcohol to the person accused for the accident.
  • The accused person needs to be Under 21 years of age.
  • The accused need to be someone who is “habitually addicted” to alcohol.

It is pretty difficult to put the blame or a part of blame on the third parties that might actually be liable for the drunk driving accidents.

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Texans Save Yourselves: Get Affordable Health Insurance Now

Even Superman should have health insurance. Amusingly, most of us who struggle with health coverage are similar to Superheroes and their woes. We encounter problems with obtaining health insurance for a number of reasons. Either our employers do not provide it, the costs are too high, or the plan does not adequately suit our needs. Superman is self-employed, does not produce an income, and has an incredibly risky profession, which includes daily injuries and a high possibility of death each day.

If Superman attempted to get health insurance from most companies in the United States, it is rather probable he would get rejected over and over again.

Some of us believe we are indestructible, like Superman, and we do not opt for health insurance because it seems unnecessary. However, a lot of people would love to have the security knowing their well-being is covered, yet simply know they cannot afford it. Regardless, whatever the reasoning behind your choice to ‘wing-it,’ is, it is crucial to your health, security and emotional state that you reconsider.

It is no secret the United State’s health care system has flaws. Politicians have been trying to amend these flukes for decades, and it is constantly an issue that resurfaces during each presidential election. While it will be some time before any revolutionary changes are observed in our system, now is the time for you to change your outlook on health insurance options.

Certain states are worse off in their status’s of having heath insurance. Health insurance companies need to come to rescue for Texan inhabitants. Texas has one of poorest ratios of those who have health insurance coverage to those who do not. Currently, 1 in 4 Texans do not. That is 25% of the population!

Every individual comes with a unique situation. Be smart. Protect yourself. Indestructible or not, you never know when a freak accident or sickness will occur and leave you broke and emotionally shattered.

The Search For a Defense Attorney

If you watch much television, the odds are you seen a program where someone gets arrested and read their Miranda rights. Included in these is the right to an attorney, even if the court has to appoint one. This is a very important right in our country and if you are arrested in San Antonio, guilty or innocent, you will need to find and hire a San Antonio defense attorney.

Granted, it would be wonderful if every attorney was as talented as the fictitious Ben Matlock or Perry Mason, however in reality, all lawyers differ in regards to talent, perseverance, and overall passion for law and defending the rights of American citizens. Whether their client is guilty or innocent, a defense lawyer must not only have the skills to build a good defense for their client, but also be able to present that case effectively in trial. Unfortunately, some lawyers are simply more skilled and accomplished than others.

When you’re on the prowl for a good San Antonio attorney, the best way to get a good idea about the capability of a lawyer is to have a look at their history. For instance, read up about the results of their past cases and determine whether more cases are won or lost by this lawyer. Pay particular attention to the cases which are most similar to yours. You may find that some lawyers with exceptionally high win/lose ratios and well-known reputations will usually charge more for their service, especially if the attorney uses public advertising such as TV and radio commercials. But regardless of the lawyer’s price range, it is important that you do choose proper representation rather than attempting to represent yourself in trial, particularly if it is a criminal offense.

In jail, you are likely to find many different people from different backgrounds. Talk to some of them about who they have as attorneys. This will help you to decide on the best San Antonio criminal defense attorney for your case and increase the odds that you will get off or have a less than maximum sentence for the crime you are accused of committing.

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Dental Health Activities

Dental health activities are designed to encourage good dental health practices and to help avoid dental cavities, gum diseases and oral cancer. State dental health programs are the primary entities responsible for conducting the core activities with regard to oral health conditions within different states. Local health departments in association with the dental community and public/private schools also arrange various dental health activities. The promotion of dental sealants and monitoring of the fluoride content in drinking water are examples of disease prevention activities. The American Dental Association provides a great deal of resources for dental health activities.

Classroom dental health activities are an integral component in the development of a child. Dental health activities to provide valuable oral care education and to promote the importance of proper dental hygiene among children are conducted with the help of posters, interactive dental health games and contests, health fairs and classroom presentations. Health educators present programs on topics such as brushing and flossing, bad breath, good nutrition and how to overcome the fear of visiting the dentist. The organization and administration of school-based fluoride mouth rinse programs and the promotion of school dental screening are examples of additional dental health activities focused on children.

Organizations such as Oral Health America develop, implement, and facilitate educational and service programs designed to raise awareness of the importance of oral health. Nationwide activities and campaigns coordinate schools, governments, care providers, and corporate and community partners in the fight against tooth decay and oral disease prevention. Many state dental health programs are involved in epidemiological surveys, applied research projects and community needs assessments. This information is important in developing an appropriate and responsive community programming. Many public health systems operate independent public health dental activities. These activities vary in scope and size across each state depending on population requirements. State grants are allotted to develop innovative dental activities and programs specific to individual states? needs, and improve access to oral health services.

Home Improvements on Your House

Home improvement projects are ways to make your home more beautiful, attractive, cleaner and more cozy and comfortable to stay and live in. They are not just ways to improve or beautify your home, they also assures security and protection. Improving your home offer many benefits, one thing is that it can also be a reasonable investment. Home improvements in addition, can make a house more livable and may even increase the value of your home.

Here are the top most important home improvement projects to help improve your homes:

Home repair involves the diagnosis and resolution of problems in a home. It also includes home maintenance to avoid problems. Most types of repairs are Do it-Yourself projects, where you can simply maintain and repair it by yourself in order to cut down your repair and maintenance costs. It is best that you handle your home repairs and maintenance because other types may be complicated and usually time consuming and risky because you need to hire professionals or handyman to the job. Home repair includes heating and cooling repair, plumbing repair, exterior home repair, electrical and plumbing repair.

Part of improving your home is energy saving. Normally, energy used in homes is responsible for over a quarter of all emissions of carbon dioxide, the main greenhouse gas causing climate change. That’s why making your home as energy efficient as possible will reduce carbon emissions and could also save you money on your fuel bills. Insulate your home to reduce the consumption of fossil fuels which add to the greenhouse effect. By doing so, you are actually helping the environment. Insulation is also an excellent sound absorbed and can assist in reducing noise transmission through walls, ceilings and floors making your home or your work environment quieter and peaceful.

The most important project in improving a home is security and safety. It’s undeniable that crime is increasing every year and is invading any home even those considered safe communities. Keeping your family safe is always the first priority. Install electronic devices such as home alarm systems for doors and windows. Attach motion detectors that sense movement or the heat given off by one’s body. The most common incident that could happen into your home is fire. That’s why it is necessary to be aware of fire safety measures. Be prepared by installing fire alarm systems, purchase fire extinguishers and smoke detectors.

Improving a home can make you spend hundreds of dollars, but the return on investment is all worth it. A beautiful, comfortable and safe home is what matters most. Anyway, it is a very rewarding feeling seeing the great results of your newly improved home.