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What to Look for in a Factoring Service

If you’re the owner of a business that relies on trucks to transport your goods, you know how important the factoring process can be. Most of us, however, have no idea what truck factoring is. But if you’re looking to open a trucking company, understanding the factoring process is crucial to the success of your company.

A friend of mine was talking about hiring a factoring company for her business, and I had no idea what she was talking about. Soon after she explained it to me, I understood how important a factoring company was. I decided to research more about factoring companies for myself. Take a look at what I found and keep reading for tips on what you should look for in a factoring company!

What is the Factoring Process?

The factoring process helps carriers get paid in a timely manner for the goods that they deliver. Truck factoring companies will purchase your unpaid invoices for your customers as a lower rate, giving you cash immediately. This allows you to skip the long process of waiting for the customers to pay their bills — allowing you to grow your business and pay your employees at a faster rate.

Keep reading for a brief, but detailed account of the factoring process:

  • Select the factoring company best suited for you and your company’s needs.
  • Transport the goods for your customers like you would do on a normal basis.
  • Send the invoices you would like factored to your company of choice
  • The factoring company checks the invoices you sent with the customers.

And, finally, receive payment for the invoice in as little as 24 hours.

What Should I Look for?

Now that you’ve learned a bit more about the factoring process, it’s time for you to pick a factoring company that works well for both you and your company. If you’ve never worked with a factoring company before, it can be a bit confusing to know what to look for when shopping around. Hopefully, this list I’ve compiled below will help make the shopping process a bit easier for you and your company!


The whole point of hiring a factoring company in the first place is to get your cash advance as soon as possible. Any factoring company worth hiring will get you your money in 24 hours or less.


While some factoring companies will require you to submit an application as well as application fees, many factoring companies do not have such an extensive application process. If you don’t want to pay any application fees, keep in mind that many companies will not require that of you.

Extra features

Many companies have begun to provide their customers with additional features in addition to factoring. Look out for companies that can provide fuel cards, insurance assistance, constant account access, and more. These services can help your company grow to new heights — make sure to take advantage of them if they are available!

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How to Prevent Summer Injuries

Barbecues, fireworks, and tan lines are all hallmarks of summer. But, nothing can compare to spending a nice day on the lake with your friends and family. Whether you’re fishing with your grandfather or having a party on a yacht, there’s always a way to have fun on the water. As with any recreational activity, there are always risks associated with going out on a boat, so here are some ways to stay as safe as possible!

Use sunscreen. This one might seem obvious, but a lot of people skip wearing sunscreen in an attempt to achieve a tan. The sunburn and lasting skin damage are never going to be worth a tan that lasts maybe a month, so slather up!

Learn the basics of swimming. I’m not saying that you need to start training to be the next Michael Phelps, but being comfortable in the water is a must for any time spent on a boat. Basic skills like floating on your back, treading in the water, and mastering the doggy paddle should be sufficient for a day out.

Wear a life jacket. Even the strongest swimmer tires eventually, and the shock of accidentally falling into the water can cause anyone to freeze up. A properly-fitting life jacket can mean the difference between life and death.

Stay hydrated. If you plan on spending a large chunk of time in the water, you may not notice the heat as much. Cooler water and being partially submerged can trick you into thinking you’re fine, but you’ll likely feel the effects of dehydration soon after getting onto dry land. Drinking plenty of water throughout the day can combat this. If you do feel dizzy or dehydrated, find shade immediately. Also, remember to sip, not chug. Chugging water can make you nauseous and cause vomiting.

Special tip for boat owners:
Take time to get as familiar with boat safety and maritime law as possible. As the owner of the boat, it’s your responsibility to ensure the safety of your passengers. In South Carolina, you can take the boat safety exam at any age. If an accident occurs and you’re the owner and operator of the boat, you can face a lot of legal repercussions. Hammack Law Firm is one of the firms in South Carolina that specializes in boating accidents and maritime law. It’s a great idea to know the ins and outs of boat safety before anything goes wrong, but if you find yourself in hot water you should always contact an attorney to seek justice. This also applies to victims of boating injuries! Negligence of the boat owner/operator should never result in an injury or loss of life. If such a tragedy does occur, speak up and find a law firm that has expertise in navigating these waters. They can fight for the coverage of medical bills and other expenses that arise as a result of an accident.

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How Does Nursing Home Abuse Happen?

For many of us, it’s hard to understand how nursing home abuse can occur. Certainly no caregiver would intentionally cause harm to a resident, right? The reality is that the United States healthcare system is much more complicated than we may realize. After speaking with nurses about the reality of nursing homes, we can see how many negligence cases are fostered at a foundational level rather than by individual caregivers.

Lack of Funding in Nursing Homes

Many nursing homes receive their funding from Medicaid. This means that the federal government provides them with all of their money. Because of this, some patients are admitted to a home and their Medicaid benefits go the nursing home as payment for their care. A problem arises if the individual has no other source of income, as the Medicaid benefits do not cover all of their expenses and they have no way to cover the difference. As a Medicaid-funded nursing home, the nursing home is simply forced to deal with the lack of payment for services. This can sometimes cause those residents to be neglected.

Problems That Arise From Understaffing

In an effort to save money, many nursing homes are understaffed, leaving nurses to care for up to 20 patients a day. If a nurse calls into work sick unexpectedly, this can leave some nurses responsible for up to 30 patients during their shift. As a nurse, the first concern is for patients in distress. This means making sure that wounds are properly cleaned and that every patient has taken their medication. While ensuring that this is taken care of for 30 patients, some residents may not have proper assistance performing their daily hygiene tasks. This creates an environment where residents can survive but are not comfortable or happy.

Complications From Mentally-Disabled Residents

Sometimes, elderly residents developing dementia or Alzheimer’s can begin to experience distress from daily activities. As they lack the brain function to understand their surroundings, they can become defensive and combative towards healthcare staff. In some situations, dementia patients can soil themselves but not recognize the nursing staff that is changing them. Because of this, they become very combative and feel violated even though they have been changed by the same nursing staff several times before.

High Staff Turnover

The starting salaries for nurses in nursing homes are lower than many other fields of nursing, such as pediatric or psychiatric nursing. This contributes to a high employee turnover, where nurses do not stay in their positions for an extended period of time. This is stressful for healthcare professionals, as their duties and responsibilities change with each employee hired and let go. This renders it difficult to provide consistent care with confidence as duties can shift on a monthly or even weekly basis.

South Carolina Nursing Home Negligence Attorneys

While doing research for this post, I came across some helpful articles by the lawyers at Evans Moore, LLC. They know the specifics for pursuing legal actions in cases where a nursing home has been negligent towards residents or unlawful in their practices.

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What You Should Expect When Applying to Become a Naturalized Citizen of the US

For those making a journey to the United States seeking a better life, citizenship is the ultimate goal. The process takes many years, a lot of work and a lot more patience. One of the most beneficial things one can use along the way is an attorney. With all the requirements, red tape, and hoops you have to jump through to become a naturalized citizen, an attorney can clear up a lot of the confusion and make the process much more comfortable and concise.

The Law Office of William Jang, PLLC page does a good job laying out what is expected to become a naturalized citizen of the United States. The list is as follows:

  1. A permanent United States resident (as a green card holder)
  2. Residing in the United States continuously for at least five years (or three years for most spouses of United States citizens)
  3. Residing in the state the application will be filed in for at least three consecutive months
  4. Present in the United States for at least two and a half years in the last five years of required residence (or one and a half years in the last three years for most spouses of United States citizens)
  5. Able to pass the English Test
  6. Able to pass the United States History and Government Test
  7. Good moral character
  8. Residing in the United States continuously from the filing date of the application for naturalization until granted United States citizenship
  9. At least 18 years of age
  10. Committed to the principles of the United States Constitution

This list is somewhat daunting; however, some of these are not required if others are met, which is why it is usually a great idea to have a legal representative who is well versed in naturalization law. They can help guide you on your journey to citizenship. You will be assessed on how well you meet the above criteria, and if you pass, you might find yourself a proud United States citizen. If you are unable to pass the test on your first try, you will be given another chance. However, this will be your last chance before your application will be denied, so make sure that you are prepared the second time around. There are fees involved in the filing process that must be paid as well, which amount to approximately $750.

It’s important to note that while it is possible to go through the naturalization process without an attorney, having one makes things much more transparent and concise. There is a significant amount of paperwork that you’ll have to read through. Making sense of it all can be a tall order when you’re attempting it without a professional. With the right tools and people on your side, your journey to becoming a United States citizen and achieving the American Dream for yourself and your family can be a reality.

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Types of Head Injuries

While everyone is aware that head injuries are possible, most people rarely think about the likelihood a head injury will affect them. The truth is, though, whether it’s the individual themselves, a relative, a friend, a co-worker, or an acquaintance, there’s a reasonable likelihood someone in everyone’s life will be affected at some point by some form of head injury.

With that fact in mind, it is worthwhile to use the list I found on the Amerio Law Firm website to review the different kinds of serious head injuries that most affect people.

First, there is the most famous sort of injury, the concussion. A concussion comes from a mild blow to the head which can lead to a few moments of unconsciousness or milder symptoms. There can be ongoing symptoms for a few days, but afterward, the injury passes.

Contusions are very common when it comes to brain injuries. They are really just bruises on the brain, but of course, that can still be very serious.

Far more serious, though, is an anoxic brain injury. In that situation, the brain does not receive oxygen for a period of time. During that time, brain cells begin to die. Should the event go on for very long, the person becomes brain dead.

Another very severe brain injury is the hematoma, or the subdural hematoma, where blood collects outside the brain. This is much more serious than a contusion and can be fatal.

Finally, there is a skull fracture, which occurs when there has been a blow to the head which can lead to the skull bone cracking. Since there are so many veins and arteries in the head, as well as the brain obviously, the risk of bleeding or brain damage is significant.

These are only a few of the major risks that come with injuries to the head. While the head can seem very well protected with the skull, that does not mean there are no risks. Everyone is encouraged to take as many precautions as possible to protect themselves. Should work be taking place that may lead to injury, wear a helmet at all times and clearly designate areas where the risk is highest. This isn’t just a matter for professions like construction, practice the same safety at home.

Again, injuries to the head are not usually everyday occurrences, but most of us will know someone (or perhaps be the person ourselves) who has a head injury in their lifetime. Knowing a little bit more about the risks and how to prevent them could go a long way towards minimizing the chance of serious and longterm injury.

Anyone reading this article is encouraged to read about the topic further, especially about prevention and immediate treatment. Knowing more can save a life, so the more studying up, the better.

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What are the Benefits to Factoring Invoices for a Business?

When you have a business, there is one rule at the very core: money needs to be moving. As the oil in the engine of commerce, movement of money into and out of business is a necessity. The stalling of that movement can be scary. With most businesses the pay and spend cycles can be completely out of sync and thus the interim time between being paid for a previous job and spending to finishing another can be extremely stressful. If this sounds familiar, it’s possible that factoring could be the system for you!

So a Factoring Business is a business which fronts the bill for immediate investments and jobs. This gives say a freight company much needed money to fund their next shipments without having to be paid immediately for their previous job. Since the topic of freight companies was already brought up let’s investigate that particular industry shall we? According to TBS Factoring Service qualifying for bank loans has gotten progressively more selective and the wait necessary to get the loan can take weeks or months. When you are running a business in a high-octane, and fast-moving business like freight truck driving you need to be able to get paid and keep trucks on the road to keep customers happy. In a recent article posted on Transport Topics News they said that many trucking companies have poor earnings in the first and seconds quarters only to recoup their costs and gain profits in the latter half of the year. This behavior, of course, makes banks cautious to do dealings with trucking companies. However, banks are just not accustomed to these kinds of business. Invoice Factoring is a kind of bank-specific to these companies with uneven earning patterns. Trucking companies are so vital to the economy, but because of the way they do business with companies, there are times when their invoices are delayed.

As the economy grows more and more types of companies are created. No matter the type of company there are always goods that need to be transported across the country. The transportation industry is one of the biggest businesses in the United States. And it’s no surprise considering this country is so diverse and spread out geographically. Invoice factoring is the response to newer technological companies sprouting all over the country. Businesses that started from the internet don’t have the normal 9-5 work schedule or even quarterly payment plan, but they still need equipment and goods shipped. Therefore it’s only natural for their different profitable quarters and payment plans to bleed into the freight business.

Invoice factoring is appropriate for any business that is just starting and needs help going from payment to payment. It is also appropriate for businesses with very specific times of the year where they earn most of their profits. One can think of factoring almost like a schedule equalizer, it normalizes irregular payment periods and turns what a bank would see as a risky investment into a profitable business.

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New York State Working to Give Prisoners a Chance at Clemency

According to the Huffington PostNew York Governor Andrew Cuomo has revealed a plan to help inmates struggling with monetary difficulties. It can be challenging for inmates to find the funds to fight against court rulings. Many individuals who want to take their cases to a higher court or make a plea for a pardon are kept from pursuing their best interest due to financial constraints. New York aims to make it easier for convicted individuals to obtain the legal resources they need to petition the Governor for a pardon, the eradication of someone’s criminal record, or clemency, which often involves commuting an individual’s prison time. When an individual’s sentence is commuted, their time in prison is cut short. However, commuting does not entail erasing someone’s criminal record. A pardon retroactively absolves you of crime, but when someone’s sentence is commuted, it does not necessarily relieve them of criminal guilt.

Individuals seeking a pardon or a sentence commutation from the Governor frequently have difficulty funding their legal plea. That’s why Governor Cuomo joined together with legal organizations such as The National Association of Criminal Defense Lawyers, the Foundation for Criminal Justice, and Families Against Mandatory Minimums. Together, the Governor and these groups are looking to make legal resources much more readily available for those that require assistance. His partnership is based upon a federal effort that encouraged legal groups to train criminal defense attorneys to identify potential clemency petitioners and assist them in applying. This partnership furthers goals set for New York by Governor Cuomo two years ago.

Governor Cuomo has made an efficient, just legal system a key part of his political platform. Starting in 2015, the Governor backed efforts to increase free or “pro bono” legal representation for inmates looking to petition for clemency. Since its inception, this initiative has found over 1,700 individuals to assist. His program encourages private lawyers to give their services to individuals who wanted to build a case for a pardon or for commuting their sentence. He himself has used his office to grant various forms of clemency to convicted individuals, pardoning 114 people and reducing the sentences of 10 others.

This new partnership, along with the continuation of Governor Cuomo’s program, will doubtlessly help many individuals access the resources they require. It’s unfair that so many are kept from using the law to its fullest extent due to financial restraints. Many individuals and organizations in New York agree that convicted and accused individuals should be able to obtain legal representation when they need it most. John S. Wallenstein, the president of the New York State Association of Criminal Defense Lawyers, says, “This partnership is a welcome expansion to the existing project, as it will bring more lawyers together with applicants who lack the resources to pay for representation.” He goes on to express, “With more training, mentoring, and electronic access to client materials, this partnership will help our members better represent reformed and rehabilitated applicants in the State’s process, and assist them in their efforts to apply for clemency.”



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Wrong Diagnosis as a Medical Malpractice Case

There is a reason why medical professionals need licenses. Health is a serious industry, and you really need to show how competent you are, to qualify to the caring of the medical condition of a patient. But sometimes, even the most competent and licensed medical professional become negligent, resulting into the harm of the patient instead of the cure. This is called medical malpractice.

According to the website of Russo, Russo & Slania P.C., those who have experienced medical malpractice may have legal options, such as trying to hold the negligent medical professional accountable for the physical harm, emotional trauma, and financial strain they have sustained.

There are various kinds of medical malpractice, such as the lack of informed consent, medication error, surgery error, and even wrongful death. But there is one that is not as talked about as the others – wrong diagnosis.

A wrong diagnosis happens when a medical professional’s negligence has resulted into a mistake in the diagnosis process. However, take note that negligence is the most important part here. As said earlier, health is a serious industry. It is extremely complicated that a wrong diagnosis is truly possible even if the medical professional has done everything competently. If the medical professional has been negligent, or incompetent in a way that a reasonable medical professional should not have been, he may be held liable for medical malpractice.

There are generally four kinds of misdiagnosis:

·       A healthy person diagnosed as ill

·       An ill person diagnosed as healthy

·       An ill person diagnosed with a wrong medical condition

·       An ill person diagnosed with a wrong subtype of a medical condition

Each kind has its own threats to health. For example, a healthy person diagnosed as ill may undergo undeserved treatment, an ill person diagnosed as healthy may not receive the treatment he deserves, and an ill person diagnosed with a wrong medical condition or with the wrong subtype of a medical condition can undergo an ineffective treatment method.

These errors can lead to new complications or the worsening of existing ones, not to mention the financial troubles that may arise, just because a medical professional has been negligent.

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Four Elements Required in a Medical Malpractice Lawsuit

A personal injury lawyer states that when you are ill or injured, you should be able to trust that the medical professionals caring for you will work to improve your health. Unfortunately, these professionals sometimes make negligent mistakes, which can have negative consequences. Doctors that do not hold to the high standards of medical care can worsen conditions and cause lasting damage to a patient.

Medical professionals, from doctors and surgeons to nurses and pharmaceutical technicians, as explained by the law firm Habush Habush & Rottier S.C.®, carry a tremendous level of responsibility for the health and safety of their patients. As a result, individuals and organizations in this field are held to a remarkably high professional standard in order to protect patient well-being. Medical malpractice laws therefore play an important role in helping to hold doctors and other medical practitioners accountable for the consequences of unprofessional or dangerous behavior.

Medical malpractice can have devastating consequences for victims, ranging from serious injuries to wrongful death, and pursuing a medical malpractice claim may be essential to helping victims receive justice in the wake of a medical mistake.

Medical malpractice can occur in a variety of ways. Grievous mistakes such as being prescribed the wrong medication or receiving treatment that was meant for another patient occur with surprising frequency. Other examples of medical malpractice that are committed with greater frequency than others include:

  • Improper or delayed treatment
  • Emergency room errors
  • Hospital negligence
  • Wrongful death
  • Wrong diagnosis
  • Lack of informed consent
  • Surgical errors
  • Pharmaceutical errors

The US National Library of Medicine’s National Institutes of Health defines medical malpractice as any act or omission by a physician during treatment of a patient that deviates from accepted norms of practice in the medical community and causes an injury to the patient. Medical malpractice is a specific subset of tort law that deals with professional negligence.

A medical malpractice lawsuit in the U.S., besides needing to be filed in timely manner, that is within the “statute of limitation” period, requires four legal elements:

  1. the existence of a legal duty on the part of the doctor to provide care or treatment to the patient;
  2. A breach of this duty by a failure of the treating doctor to adhere to the standards of the profession;
  3. A causal relationship between such breach of duty and injury to the patient; and,
  4. The existence of damages that flow from the injury such that the legal system can provide redress.
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The Open Carry Law

Though open carrying of firearms in public is not restricted by the Federal law, there are specific rules when this is done on properties owned or operated by the federal government.

There are only five states where the open carrying of handguns in public places is prohibited. These are California, Florida, Illinois New York, and South Carolina; this is to prevent gun violence.

The past years, gun-toting individuals openly carrying firearms in public places, such as political rallies, public parks, restaurants and coffee shops have become a common sight in many U.S. states. Many of those who openly carry firearms, who argue that they are only “exercising their rights,” identify themselves as part of the growing “open carry movement.”

The open carrying of firearms, however, does not only intimidate the public, but also makes very likely accidental or intentional use which can result to injury or death.

Besides using the argument of “exercising their rights,” many say that open carrying is needed for self-defense. No research, however, supports this argument. On the contrary, even if used in self-defense, having a gun does not reduce a person’s chance of getting injured during a crime, but it increases the possibility of him/her injuring an innocent bystander.

One study even suggests that carrying a firearm may actually increase a person’s risk of firearm injury. Thus, instead of improving safety, open carrying unnecessarily increases the possibility of everyday interpersonal conflicts turning into deadly shootouts. This is because anyone will have ready access to firearms. Open carry laws also correlate with higher rates of suicide. States with open carry laws, in fact, have 36% more suicides and 71% more firearm suicides per capita. Additionally, when stopping an individual who is openly carrying a firearm in these states, law enforcement officers may be prohibited from demanding identification.

In the state of Texas, particularly, the Law Offices of Mark T. Lassiter says, “As of January 1, 2016, licensed gun owners in the state of Texas may openly carry a handgun in public and in many Texas open carry gun laws private settings. This open carry laws stipulates that handguns must be carried in a belt or shoulder holster at all times, unless there is a legally justifiable reason to use the weapon. The moment you remove your firearm from your holster you should expect to be under police scrutiny. In the event that you are charged with a gun-related criminal offense like aggravated assault with a deadly weapon or deadly conduct, you need to reach out to an attorney immediately. Even if you believe that you have not broken the law, it will be in your best interest to work with a lawyer throughout the coming legal process.”

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