The Internet Is Not A Legal Expert and Other Musings

The Internet and the Law

The Internet is a two edged sword when it comes to the law. On the one hand, I am often pleasantly surprised to learn how much knowledge a current or potential client has received from the many hours they have surfed the Internet. On the other hand, much of that knowledge is not relevant to their issue, raises expectations of their case beyond what the facts of their case would deliver in a court of law, and often has no relevancy to the laws of Pennsylvania, where I practice and where my clients generally live or do business. Inquirers are often surprised to learn that the cases they have reviewed and sent to me to review have absolutely no relevancy to Pennsylvania or, quite often, their issue.

Lawyers generally know how to conduct legal research and hone in on effective and relevant law, so if a client wants me to read through many cases they feel are relevant which they have pulled from the Internet, I will do so, but I will charge them for doing so. I think their money is better spent on me conducting the research.

For instance, I recall a situation where a lawyer in another state achieved what my client thought was a remarkable result in the field of education law. I called the lawyer who told me the results of her case were “one in a million”, was entirely based on the unique facts of the situation, that her client was given significant help from some employees who worked for the school she was suing, and other fluky factors. Although the universe combined in that instance to create a unique result, and that is what it was-unique to the facts of the case- it was totally unrelated to the law as it stands in Pennsylvania. Continue reading …

Posted in: Law

Getting the Best Quote on Home Insurance

Like many other forms of insurance, home insurance can often be a financial burden. It’s not a legal requirement to have it, so some people cut out the bill by avoiding it altogether. However, this can be a risky strategy if you own the property you reside in, or if you have contents of substantial value. Just think if there was structural damage to your home and you had to pick up the bill, or if some of your prized possessions were stolen. Some form of home insurance should be thought of as a necessity, but there are plenty of ways to cut your costs.

Self Insurance
If you feel you’re unlikely to suffer problems with your property, possibly because you live in a very safe area, then you may want to consider self-insurance. With this method, instead of giving £25 a month to an insurer, you simply put the money into a high interest savings account. Then, when you need to claim, just take the cash from the account to fit the bill. If nothing happens for years then you’ll still have the cash to spend. You can make it safer by saving in conjunction with a home insurance policy with a very high excess – such as over £2,000 – then if anything major goes wrong you’ll still be covered.

Reduce the Risk
The more risk you present to an insurer, the higher your premium will be. In order to combat the higher costs, you should think about making your property as safe as possible. Fit locks on all windows and doors and ensure they stay locked when you’re out. Also, installing a burglar alarm is a very cost effective way to lower premiums. Notifying insurers about extra steps you take, such as owning a home safe, can also help reduce your costs. Don’t be afraid to phone an insurer to tell them about these if you have them. Continue reading …

Posted in: Finance, Insurance

Sequin Clutch Bags For Women

All women love to have bags. Most women own many different kinds of bag that it baffles many men! One style of bag that is very popular at the moment is the sequined bag. I’m sure you know what sequins are! But just in case you don’t, they are those small, round plastic things with a hole in the middle where they are all sewn together.

Sequins are being used more and more these days on ladies bags. There are many kinds of bags you’ll find sequins being used on also. For example you can get clutch bags, hobo bags, evening bags and purse bags. However, for the remainder of this article, I’d like to talk about sequin clutch bags for women.

In case you don’t already own a clutch bag, or don’t know what one is, they are the smallest kinds of bag you can get, one notch up from a purse, in fact. Continue reading …

Posted in: Fashion, Women

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