I’m looking at my options as a student loan holder, and I thought I’d share my thoughts for anyone else in this position (I get the impression that for anyone under forty, you’re all in this position with me, big boat, but it’s still sinking).
Like a lot of people, I’m struggling to pay back my loans. My education background probably reads as something people snark at as the perfect example why millennials are worthless. I have a master’s in medieval history.
Now, I know that sounds like poor life planning, but it really wasn’t. I was being groomed by several well-established professors for a professorship position. All that would have gone swimmingly in any other decade, but the last ten years have been tough for anyone hoping to get into academics for two reasons: one, the recession (which sent a lot of people back to school when the jobs dried up and exhausted scholarship opportunities) and two, the adjunct professor position.
Point one is obvious, but point two requires a little explaining. In the last decade, colleges and universities have discovered the adjunct position saves them a lot of money. Instead of hiring full-time professors who are experts in their fields, they can hire part-time adjuncts, who make very little money (as little as several hundred across an entire semester) and teach the low-level classes. These adjuncts may be experts or not, but they are cheap. Hiring so many adjuncts have saved universities lots of money, but it has also made choosing a career in academics all that much more impossible.
So, I’ve been left with a lot of loans to pay off and not a lot of money to pay them with. Here are the options that I see available:
- This seems like perhaps the best option. I could finally get around to consolidating my loans and getting on an income-based repayment plan. That would keep my payments low. In twenty or so years, whatever is left on my loan is forgiven. But there are downsides. For one, with the current administration already cutting some student loan programs, there’s no guarantee this one will survive. Also, if I still have a hefty bill at the end that is forgiven (a very likely possibility), that forgiveness is charged as income on my taxes, which could send me into bankruptcy in my fifties.
- File bankruptcy and hope for the best. There are student loan lawyers who claim to be good at helping on this, but it’s still something of a long shot. It is almost impossible to get student loans removed through bankruptcy because of a series of stupid federal laws. I’d have to be able to claim they are making me destitute which is close to true but not close enough.
- Continue on the same. I could try to talk to the loan companies, get a slight reprieve, and hope a better job comes along to help me pay everything back. This, too, is a long shot.
It looks to me like option one really is the only option at this point. I’m going to look more into consolidating through the federal government. I’ll just have to hope the program stays open. Taxes in twenty years, well, hopefully I’m rich by then.
Cars getting wrecked or totally wrecked, and individuals getting severely injured in car accidents is part of the daily news in the U.S. Cars crashing with another motor vehicle, crashing into a concrete barrier, a wall, a tree, a lamp post or any other solid object, or hitting a motorcyclist, a bicyclist or a pedestrian, have always left properties damaged or, worse, individuals with permanent disability or dead.
Over the years, the number of car on roads and highways has steadily increased; with this, however, is also the increase in the number of car accidents. Studies conducted by the National Highway Traffic Safety Administration (NHTSA) show that more than 90% of all car accidents are actually due to driver error, which includes driving while impaired by alcohol, illegal drugs or prescription drug, driving too slow, driving above the speed limit or driving too fast despite dangerous road condition, using a handheld phone while driving, failing to observe safety traffic rules, such as ignoring traffic signs, going through a red light, driving recklessly, and driving while distracted. Car accidents can be avoided, definitely, but only if drivers act responsibly whenever behind the wheel.
Aside from those listed above, which are the top causes of car accidents, the NHTSA also include failure to use signal lights, tailgating, overtaking improperly, and making sudden turns.
An accident is always a traumatic experience, especially to those who sustain injuries and the trauma increases based on the severity of the injury sustained. Besides the injury, another cause of great worry for victims and their families is the financial burden the injury can result to. This is due to the medical treatment and the loss of income as the injury is sure to render the victim incapable of reporting to work. Even the opportunity to land in a good job may be affected by the injury sustained.
As pointed out by the law firm Habush Habush & Rottier S.C. ®, there is no telling how difficult it can be to deal with the financial repercussions of a car accident on your own. If the accident that injured you was caused by the irresponsible actions of others, you may be entitled to seek compensation for your damages.
Filing a lawsuit against the at-fault driver, however, should be done without delay for, according to Sheboygan car accident lawyers, in Wisconsin, for example, the statute of limitations restricts the amount of time in which you have to file a claim after an auto accident. After this time has passed, you may be unable to secure the compensation you need. Thus, it is important to discuss your case with an attorney as soon as possible.
Bicyclists are very vulnerable persons on the road. First, they are not like drivers who are somehow protected inside vehicles. Second, they have very limited protections against impact. Third, they are small enough to be disregarded by unsuspecting motorists and get hit. This makes bicyclists more prone to injuries compared to others.
Bicycles are becoming popular because they are economical, green, and promotes fitness. This also means that more and more people are becoming prone to bicycle accidents and injuries.
Common Causes of Bicycle Accidents
Low Visibility Incidents: Bicycles have their own lane, but because of their size, they may not be entirely visible to other cars, so they are at risk of getting hit by unsuspecting motorists. This is more dangerous during night time, foggy situations, and other conditions where visibility can be an issue.
Turning Issues: Vehicles that suddenly turn without regard are some of the leading causes of bicycle accidents. There are times where low visibility is to blame, but there are also times that driver recklessness is the culprit. Examples include vehicles making a right turn and making a bicyclist crash into their right side and vehicles suddenly turning in an intersection while a bicyclist is passing through.
Door Surprises: Before opening a vehicle door, it is a common safety procedure to look back for any incoming motorists who might get hit by the sudden obstruction that an open vehicle door may pose. But some vehicle occupants don’t do this procedure, resulting into bicyclists crashing into suddenly opening vehicle doors.
Common Injuries Associated with Bicycle Crashes
Head Injuries: There is a reason why bicyclists wear helmets. It is the fact that the head area is very vulnerable when riding and crashing. This may result into traumatic brain injuries and even facial disfigurement.
Broken Arms or Legs: The arm and leg areas are very vulnerable when it comes to accidents. When bicyclists crash, their first instinct is to move the arm area forward to absorb the impact, resulting into arm injuries that may be severe enough to be fractures. Since the legs are the primary parts involved in cycling, they are also prone to damage.
Road Rashes: When a bicyclist crashes, he may absorb sufficient friction energy from the pavement, soil, or wherever else he or she has landed. The impact may result into scratches, cuts, and even complications from these injuries, such as infections.
According to the website of the Amerio Law Firm, those who have been injured because of the negligence of another may have legal options, such as getting compensation. This just proves that the law does not tolerate reckless behaviors in the road, so you and the others around you should be careful on triggering any kind of accident.
According to expert bikers, chances of avoiding accidents and staying safe is higher if bicyclists observe the following road rules on how to ride a bicycle properly.
- Be part of the traffic and never ride on the right edge of the road, very close to the gravel shoulder, as this may be covered with sand or other debris that can make your bike’s wheel to to skid and cause you to fall;
- Ride on the right side of the street, at least three to four feet from the gravel shoulder. Along this path, other drivers, even pedestrians, will easily see you. Traffic is also slower at the right side of the road, so this will be a safer path, than at the left, where vehicles run faster;
- Ride, at least, three feet away from cars parked at the side of streets. This is will keep you safe from car doors suddenly being opened or from cars starting and trying to merge back into the flow of traffic;
- When riding downhill and your bike begins to run as fast as cars, ride in line with them. Pull a bit to the right, when you begin to fall behind. When passing a car, however, make sure that you pass on its left side; a driver normally expects to be passed on its left side; and,
- At a red light or at stop signs, stop behind the car that is already stopped awaiting the green light. Never stop at the right side of a vehicle, especially a truck as it may crush you if it makes a right turn.
There are many other precautions that bikers need to observe when riding, especially at night. But there is no safer and smoother way ever to ride than by observing traffic safety rules and riding with the flow of the traffic. Riding this way is also a guarantee that, if ever an accident occurs, your personal injury lawyer will be able to fight for your rights and earn for you the maximum compensation that the law allows, since you will clearly be without fault in the accident that occurred.
In 2009, about 51,000 were injured and as many as 600 were killed in bicycle accidents. These numbers continue to increase, showing the great danger bikers are exposed to. In fact, in 2013, fatal bicycle accidents increased to 900, while about 494,000 were rushed to emergency departments due to injuries. According to the National Highway Traffic Safety Administration (NHTSA), the most common causes of collisions between motor vehicles and bicycles include:
- motor vehicle drivers directly and abruptly turning in front of bikers;
- drivers, from parking areas or driveways, driving into traffic and cutting a biker’s right of way
- drivers failing to slow down at intersections
- drivers running a stop sign or traffic light
- drivers not taking time to double-check for incoming bikers
- reckless driving due to negligence or alcohol influence
The (NHTSA) continuously reminds all motorists of their duty to respect the rights of bicyclists on the road, as this is one of the best ways to make transportation smooth and safe for all. Legally, bicycles have the same rights on the road as any other type of motor vehicle. Unfortunately, though, many bicycle riders get involved in accidents because many drivers refuse bikers the space they need on the road. These accidents often result to severe injuries or death.
In its website, the law firm Habush Habush & Rottier says, “bicycles are a fun form of exercise and recreation. For others, they serve as an alternative form of transportation with significant economic and environmental benefits. Whether they are riding for transportation or purely for fun, cyclists face significant risk of injury if they are involved in an accident with a car, truck, or other vehicle.”
Sad to say, but “even cyclists who are extremely diligent about their safety run the risk of being involved in an accident and sustain injuries, such as cuts and bruises, sprains and broken bones, internal organ damage or spinal injuries. Bicyclists who sustain these and other injuries due to another person’s irresponsible actions shouldn’t have to deal with the consequences by themselves. Contacting a personal injury lawyer immediately after an accident may help an injured bicyclist understand his/her legal rights and the possible legal actions he/she can pursue against the liable motorist.
It is important to recognize potential mold issues before buying a house. When house-hunting, make it your responsibility as well to check for presence of molds and potential mold infestation, but the seller also has the responsibility of disclosing information mold problems and to discuss an agreement around the mold problems that is discovered during the flow of the sale. There are many ways that you can detect molds in your potential house.
Aside from doing your own inspection of the house, you can ask for a home inspector to do it for you and give you their professional assessment of the possible danger and risks of mold growth inside the house. They can include their assessment in the inspection report and cite anything that can lead to mold growth. According to the Hach & Rose, LLP personal injury lawyer team, states require sellers and agents/appraisers to disclose information regarding possible presence of molds in the house, as well as circumstances tor situations that can lead to mold growth, otherwise they might be held responsible for withholding information that can endanger you and your family’s health.
If the homeowner or the seller/agent did not disclose any information of a mold infestation in the house that eventually lead to health complications to the new residents who brought the house, the owner or seller can be held liable for negligence and failure to disclose information. It can be difficult to point out who can be held legally responsible for the damage the mold infestation has caused, therefore finding a personal injury attorney should be top priority. They know how the process works and can advice you the best option whether to sue or settle with those responsible. Furthermore, personal injury lawyers understand the state laws can know how each factor in the case can affect the outcome, making a strong case against the owner/seller and ensuring that all damages can be properly compensated.