Why You Should Invest for Retirement?

We understand: Retirement is the last thing that you want to think about when you’re young, particularly when you’re just at your 20s. However, thinking about retirement is a crucial move as soon as you start earning your own money in order to prepare for your future. After all, saving for retirement at an early age provide more benefits.

When you’re young, you have plenty of time to build up your retirement funds. Ever heard of compounding interest?  One of the great things about investing for retirement is that thing they called compounding interest – it’s the ability to generate earnings from your previous earnings. To understand better, here’s an example. Suppose you set aside $10,000 for a retirement account, which earns 10% a year. In the first year, your money appreciates an additional $1,000 because of the 10% interest rate. So your money now is worth $11,000. The following year, instead of earning an additional $1000, your money appreciates an additional $100 more because your earnings from the previous year grow by 10%, too! So the following year, the amount of funds you have in your account grows to $12,100. If you let your money stay in that account, your $10,000 investment would grow to nearly $300,000 in 35 years without even actually adding money or doing anything. Isn’t that amazing? And the earlier you invest, of course, the greater you will earn.

Invest for Retirement

Of course, that’s only one of the reasons why people are encouraged to invest or save for their retirement. Some of the benefits of investing to retirement plans also include the following: having the ability to save money in terms of taxes, securing yourself and your family’s financial future, and getting a chance to enjoy your retirement age with plenty of money at hand.

Okay, now you’ve decided to start investing for retirement, but the question is, where should you invest?

Where should you put your retirement money?

There are several options where you can invest your money for your retirement, and some of the most common choices are the following:

  1. If you’re employed, you can put your retirement money into an account that is offered by your employer, such as 401k and 403b plans. These types of retirement plans are a great option because they are tax-deferred, which means you do not pay taxes on them until you withdraw them.
  1. If you’re self-employed or you’re employed but your company doesn’t offer 401k or 403b plans, you have an option to invest in individual retirement plans, such as IRAs. IRAs also offer the same tax benefits, like 401k and 403b plans, but eligibility requirements may differ. If you’re in Australia, you can also consider investing in self-managed superannuation fund, wherein you get the ability to take control of your own funds and save money for retirement.
  1. If you want better options and opportunities to earn much higher income, consider using your money in business, putting it in real estate, or investing it in stock market.

How to get started?

Just like in business and other ventures, saving for retirement is not easy. You need to create plans, find strategies, and have a great deal of patience and confidence to become successful. Before you start investing, we recommend you to read books and materials first about retirement and investing in order to understand the concept behind it. You would also want to check websites and listen to podcasts to familiarize yourself in the world of finance. Of course, getting the help of a financial expert and tax lawyer is also crucial so you’ll be effectively guided when choosing retirement options and making financial decisions.

Common Traffic Violations You Can Easily Avoid

Every city lays down traffic rules and it’s these rules that help manage the flow of traffic and safety of the residents. These rules are laid down as a safety measure to help prevent accidents or severe injury. The role of the police in most places is to ensure that these rules are properly adhered to. However, every licensed driver will at some point or the other end up violating one or two of these rules without purposely intending to do so. Some violations can be settled with a fine while others may require the legal assistance of a local joliet criminal defense lawyer, or one in your local area. Below are some common traffic violations you can easily avoid.

Using the Seat Belt

It is a rule in most places that the person in the driver’s seat and the one in the passenger seat should be wearing seat belts at all times. When in a hurry, it is common to forget about the seat belt. However, you can be caught and fined for this. The seat belt will help you stay safe in the event of an accident. This is why it is considered mandatory in most places to begin with. You could be charged a fine for not wearing your belt. If you happen to be in an accident and it is proved that you were not wearing the seat belt, you could lose out the case or even insurance money too. You can avoid this simple violation by ensuring you always wear your seat belt.


You would have often told your teenage child not to speed in his car to ensure his safety. The same applies to you. Speeding can cause accidents. Furthermore, going over the speed limit is a traffic violation. In some cases, you can be asked to pay a fine or your license can be suspended when you are caught by the cops. If it is proved that you were drinking and driving and speeding on top of that, things will get much worse. You can learn more here. You may also need the help of a will county traffic ticket & traffic violations attorney in speeding and other traffic offense and violations cases.

Avoid Drinking

Even if you have had only a couple of drinks, avoid drinking and driving. Ask a friend to drive or hire a cab driver. Drinking and driving has resulted in many deaths all over the world. The only way to curb the number of incidents is by avoiding drinking and driving. When you are intoxicated with alcohol or other substances, your ability to drive is affected. You cannot react quickly or control the car as well. Keep this in mind because drinking and driving will lead to other kinds of traffic violations too. You will end up hitting the car on a curb, on the road divider, ramming it into a tree and several other things.


If you are a two wheeler rider / motorcycle rider, ensure you use a helmet to protect yourself. In most places, helmet use is required and not using one can be considered a violation. The same theory applies as that of the seat belt in this case.

Warning Signs That Your Doctor May Have Misdiagnosed You

Warning Signs That Your Doctor May Have Misdiagnosed You

There are so many different kinds of illnesses that misdiagnosis can happen quite frequently in the medical sector. However, as a patient, you have the right to recover damages from the doctor, medical professional or hospital if you have been misdiagnosed.

A misdiagnosis can turn fatal and create more health problems too. Sometimes, patients do not realize that they are a victim of a misdiagnosis. They may just think that their body is getting used to the medicine in spite of the fact that the illness doesn’t seem to be showing signs of getting better. Here are some signs that your doctor has misdiagnosed you.

You Have Been Prescribed the Wrong Medicine

If you have been taking particular medicines for more than a few days and your illness is showing no sign of getting better or even worse, you may need to consult a medical practice attorney. You can learn more here. However, instead of being hasty, speak to the doctor first or get another doctor’s opinion. Your priority should be to take care of the illness first. Ensure that you keep the receipts and case reports in place so that you can show them to the medical practice attorney when you consult him.

Your Condition Worsens

Even after you have consulted the doctor, if the symptoms worsen, it is a sign you have been misdiagnosed. Sometimes, the wrong medicine can worsen the condition. In rare cases it could be that the illness has transformed or itself gotten more serious. Before you speak to a Chicago medical malpractice attorney in Illinois or in your area, consult a doctor. Find out why your condition is worsening before drawing conclusions. Sometimes, the patients themselves are to blame for not take proper care of themselves.

Most medicines have side effects. Understanding the difference between a side effect due to medicines and added health problems is crucial to knowing you are a victim of a misdiagnosis. Consult your medical practice attorney when you realize that there seem to be more health conditions cropping up.

You Suffer a Relapse

Some illnesses are known to relapse inspite of good medical and personal care. In some cases though, when serious illnesses relapse it could be due to a misdiagnosis to begin with. When you have serious illnesses like Typhoid or Malaria and the doctor passes it off as the flu, the medicines won’t work. You may find relief for one day or two days but the high fever and headaches or chills – common signs of illnesses like Typhoid and Malaria will come again. This is because the illness wasn’t treated or diagnosed right to begin with.

It helps to consult an experienced and skilled medical malpractice attorney to know what your rights are in your particular case. When serious illnesses are not diagnosed correctly, it can be fatal.

Whenever you have a medical condition, always ensure you get the right treatment from the right doctor to avoid misdiagnosis.

I Want To Appeal – What Should I Do?

appealThere are many people who want to launch an appeal against a court’s decision. It can be very difficult at times, to accept what a court and judge has ruled and to be honest, it isn’t hard to see why especially if someone thinks they are in the right. However, a lot of people want to appeal a decision and many do in fact do this each year but how can it be possible? What should I do to appeal a court’s decision?

Can There Be An Appeal Launched?

In most instances, a court’s decision is final and cannot be overturned or overruled unless there are specific legal grounds to launch an appeal. This doesn’t mean anyone can launch an appeal because they think the court has made the wrong decision about their case but because there are legal grounds to do so. This can mean a serious error with legal procedure but a law firm can help someone decide whether an appeal is necessary.

Consult with Attorney’s To See Where an Appeal Is Possible

The first thing that needs to be done when looking to appeal is to talk things over with an attorney or lawyer. If someone thinks they have been treated wrongly a lawyer may tell them there isn’t a case to be answered. However, if there have been some serious issues with the case then a lawyer could say whether they believe an appeal can be possible or otherwise.

Seek Permission to Appeal from a Judge

It is a must to ask a judge to appeal any prosecution no matter what the crime may have been. However, if someone hasn’t asked the judge at the time of the verdict, then the lawyer will need to go to the appeals court to ask permission to appeal. The case will be then reviewed by a judge and they will grant permission for appeals only if they believe there are grounds.

Issuing an Appeal

When someone gains permission to launch their appeal, they will have to fill with an Appellant’s Notice to the appeals court. This will get the balling rolling and there will be a date set for the appeal. However, there may be a fee associated with this process but it isn’t always that costly but it may be worth it if the case is won.

Appeals Need To Be Filed Quickly

However, appeals do need to be filed very quickly. It usually needs to be launched within two or three weeks of the court’s verdict; usually twenty or twenty one days is the maximum amount before time runs out. In most cases, lawyers get the appeals process set out very quickly but just in-case someone doesn’t know yet, there is only twenty one days to appeal the prosecution.

Don’t Be a Victim of a Miscarriage Of Justice

If someone goes through a trial and are found guilty even though they are innocent or believe they are innocent, it may be worth appealing. Of course, it isn’t nice being accused of a crime especially if you don’t believe are guilty of. However, appealing seems a lot of hard work when in fact, it’s not really and it may be worth appealing if you’re innocent. Think about the appeal carefully.

What Is The DUI Process in Illinois?

An Arrest

The point at which a police officer suspects a driver of driving while impaired is when the DUI process begins. He or she may have observed erratic driving, a traffic violation, or may be responding to the scene of an accident. At first encounter, a driver’s appearance, demeanor, and physical appearance will make an impression on the officer from which the officer may suspect impairment. If so, he or she will ask the driver some questions as well as ask the driver to participate in standard field sobriety tests and/or to take a portable breath test; the driver has the right to refuse these tests which are not admissible at trial.

The officer may arrest the driver for suspicion of DUI. At the police station, the driver will again be asked to take a test or tests—breathalyzer, urine, or blood—which determine blood alcohol concentration (BAC). The results of these tests are admissible at trial, however the driver still has the right to refuse to take these. If the driver submits and his or her BAC is .08 or greater, they will be charged with DUI. Note that, regardless of BAC test results, a DUI case still can be won.

The driver will usually be released on bond and given a court date. The driver will also be notified that their driver’s license will be suspended in 46 days. You can learn more here from experienced Illinois DUI defense attorneys.

A Suspension

A first-time DUI offender who fails a breathalyzer faces a six-month suspension of their driver’s license. If the driver refuses the breathalyzer, the driver faces a one-year suspension. If the driver is a repeat DUI offender and fails the breathalyzer, they face a one-year suspension; three years if they refuse the breathalyzer. 

A Petition

After an arrest, a driver has 90 days within which he or she can petition the court for a hearing. The hearing is a civil matter and separate from the DUI trial which is criminal. The hearing may be provided on the initial court date but must be provided within 30 days of filing. At the hearing, the burden of proof is on the driver who has the opportunity to prove that police did not follow at least one of four limited elements of procedure at any point during the arrest.

If the suspension is not rescinded, and the driver is a first-time offender, he or she can apply for a MDDP (Monitoring Device Driving Permint) to drive. If granted, a Breath Alcohol Ignition Interlock Device (BAIID) is installed on his or her vehicle. This device measures the BAC of the driver each time he or she drives. The cost of installing and maintaining is incurred by the driver. Drivers previously found guilty of DUI within the last five years are ineligible for an MDDP permit. 

A Trial

When the court date arrives, the driver is advised of the charges against him or her by a judge, the DUI defense attorney in Illinois or in your state (the driver’s attorney) and the prosecutor exchange evidence, and pre-trial motions are filed. A plea of guilty or not guilty will be entered at this time. This can occur over one to three court appearances.  A not-guilty plea will result in a trial in front of a judge or jury in which case it’s the State’s burden to prove guilt beyond a reasonable doubt. The State will present evidence and may call witnesses, the least of which will include the police officer, and rest their case. The driver’s attorney may do the same. The driver may testify but is in no obligation to do so. After arguments are made, the judge or jury will present a finding of guilt. 

A Guilty Plea 

If the driver either pleads guilty or is found guilty at trial, the driver’s Illinois DUI defense lawyer and prosecutor will negotiate a sentence. If the driver pleads guilty, he or she is giving up his or her right to plead not guilty in exchange for a favorable sentence. Among other things, and in addition to driver’s license suspension, the sentence will likely include fines, fees, and alcohol education classes. And, depending on the circumstances, the sentence will also include a period of supervision and possibly up to one year in jail or a period of community service. 

The Sentencing

Best-case scenario is that the driver is found not guilty by the judge or jury. In this instance, the driver is discharged without consequence. If the finding is guilty, a sentencing hearing is held at which the state may present any aggravating factors such as criminal record and background. The defense attorney will try and present facts that offset those, possibly citing hardship in the hope for lenience from the judge.

Tips To Avoid Motorcycle Accidents?

With the post-recession economic condition of the United States slowly but steadily improving, so does the personal income of, and discretionary income available to, its population. One of the trends which occurs when an economy improves and discretionary income increases, is that personal spending increases on recreational items like motorcycles. One of the other trends which occurs is that motorcycle deaths tend to increase as the economic state of the population improves because there are more motorcycles on the road. In fact, statistics show that the number of motorcyclist crash fatalities in the United States increased about 9 percent from 2011 to 2012. This statistic is expected to increase as the economy further improves.

According to the report, “Motorcyclist Traffic Fatalities by State,” there are several recommended countermeasures that can help limit or reduce this upward trend in the number of motorcycle accidents and fatalities. However, if you or a loved one has been hurt or killed due to driver negligence or some other negligence, an experienced injury and accident lawyer can help you claim damages. You can learn more here. Included in those are being licensed, wearing helmets, reducing speed, and reducing alcohol impairment, but one of the most important ways to reduce accidents and deaths is education.

Rider education. Ridereducation is one of the top ways to reduce accidents and fatalities. Rider education courses are readily available through the Motorcycle Safety Foundation and other resources, and there is no shortage of educational information available online as well. Rider education courses teach about the ways in which to avoid common accidents. Here are some common accidents and how to avoid them:

  • Car turns left in front of you. Avoid it by always identifying and predicting threats around you and planning for evasive action.
  • Gravel. “Slow in, fast out” is the rule of thumb. If you are riding at a pace where you have sufficient reaction time, you will best be able to handle gravel and any other road imperfections. Same thing goes for identifying curves and corners ahead.
  • Car changes lanes into you. Motorcycles fit easily into the blind spots of automobiles. Be aware of them by watching not only drivers’ eyes in their mirrors, but also watching traffic activity ahead and behind. Stay out of the lanes with the most activity.
  • Car hits you from behind at stop lights. You can avoid rear-end accidents by either pulling into center lanes at stop lights or by politely pulling into spaces between the cars ahead of you (called a “crumple zone”).
  • Car opens its door. Don’t ever ride between parked cars and active traffic lanes. Ever. Again, reducing speed and being aware of drivers of all cars, whether moving or parked, is good accident prevention. 

Driver education. Drivereducation is another top way to reduce accidents and fatalities. Many of the same rules apply as far as ways to avoid accidents with motorcycles, chief among those rules are ones regarding reducing alcohol impairment. Others specific to driving a car include:

  • Don’t use cell phones. Driver distraction is one of the top reasons for automobile accidents; one of the main distractions today is cell phone use. That includes texting while driving. Because motorcycles are smaller and more difficult to see, collisions with motorcycles due to distraction is more common. The only way be fully aware of your surroundings is to keep your eyes where they belong: on the road.
  • Take two extra seconds. If you’re pulling out from a parking spot or changing lanes, make a conscious effort to take a few extra seconds to check your surroundings. Those seconds can often times prevent a costly mistake.
  • Play games with your kids. Sometimes your children can help you see better. Like the games, “Slug Bug,” or “I Spy,” bike counting games can engage kids in helping you to be aware of the ones on the road around you.

Driver and rider education can help everyone to avoid negligent situations that cause tragic motorcycle accidents. If you are involved in a motorcycle accident – contact and experienced Will County Illinois accident attorney as soon as possible for help. These professionals can guide you on the best course of action, and how to proceed.

Legal Separation – Contested or Uncontested Divorce?

With more than 2 million marriages in the United States each year, the unfortunate truth is that upwards of 50% of those end in divorce. However, not all divorces are created equal. Depending on the circumstances and after each weighs the myriad long-term pros and cons, a splitting couple generally chooses one of two paths: contested or uncontested divorce. 

Contested divorce — the type in which both parties cannot agree on the terms of their divorce without court intervention — is the one most portrayed on movies and television.  However, 95% of American divorces are uncontested— the type in which both parties are able to mutually agree on the terms of their divorce. The fact is, uncontested divorce is the preferred option to the courts, attorneys, family counselors and others who see the long-term negative effects of bitter divorces every day. An experienced Chicago uncontested divorce lawyer like www.walterslawgroup.com can explain the pros and cons in detail. Many, if not most, divorces are emotional and stressful, but not all are so acrimonious that the couple cannot eventually come to a mutual agreement on the terms of their divorce.

Though uncontested divorce may not be realistically feasible to some couples, it does have many advantages to the ones with whom it might be. Advantages of an uncontested divorce can include: moving through the legal system more quickly; less overall expense; less trauma and stress on the parties and their children; more privacy and confidentiality; and more long-term harmony. You can learn more here.

Despite how the term “mutual agreement” sounds, there are just as many details which need to be negotiated and resolved between a couple and, sometimes, it does take a bit of effort on both parties to get to the point of mutual agreement on all issues with regard to division of property, allocation of debt, child custody, and support. The involvement of at least one attorney like Todd Walters of The Walters Law Group is usually necessary to manage those issues, prepare necessary paperwork, provide guidance on the laws of your state, provide guidance on unforeseen circumstances, and to manage filings and hearings.


Think Twice before Selling or Transporting Illegal Drugs

If you are caught selling or transporting illegal drugs in the United States – the consequences can be devastating. The punishments and consequences can be life altering and in some cases lead to life behind bars in jail. Federal penalties range based on the quantity and the number of offenses. For example – if you are caught with over 1,000 kgs (kilograms) of marijuana on your first offense you can be given not less than 10 years, not more than life in prison, on your second offense not less than 20 years, not more than life and on your third offense life imprisonment without release. Think twice before you risk your life in these illegal activities. If you are caught – make sure you hire a Chicago criminal defense attorney that has many years of experience in drug and federal drug crimes.

The controlled Substances Act (CSA) does not allow manufacturing, distributing, or selling of controlled substances. Federal law focuses on large quantities, and interstate / international drug trafficking – more so than local and state law. Violation of the CSA laws can impact eligibility of loans / grants, and state assistance such as food stamps and other state aid. In addition, a drug related conviction can impact your ability to work, join the military, gain acceptance to college, loss of or the ability to obtain a college loan and can its consequences can impact the rest of your life.

How Much Does Criminal Justice School Cost?

If you’re considering getting a job in the criminal justice field, you’re probably wondering how much criminal justice school costs. There are a few different options for you to choose from. Costs will depend on whether you take an associate’s degree or a bachelor’s degree. Some careers, like legal assistant, require an associate’s degree, while others, like an FBI agent, will need a bachelor’s degree. You can obtain a criminal justice degree from online schools, or in person at an accredited college or university.

Online Schools

There are several online schools now offering a criminal justice degree. Tuition is different at every school, and there are also costs such as textbooks, supplies, and application fees to consider. The cost of these online degrees varies greatly, ranging from $674 to $83,00 depending on the school. Online schools are typically finished quicker than college or university, allowing you to earn more money sooner.


There are many colleges in every state which offer criminal justice degrees. Tuition will vary between states, and among colleges in a certain state. Colleges are about one third the cost than universities. It also depends on if you want a 2 or 4 year degree program. Fees can range from $2,640 to $7,000 per semester, and can be higher if you are an out-of-state student. Private or liberal arts colleges will cost more on average. If you want to take a four year program, you can save some money by attending college for the first two years, then transferring your credits to the remainder of your four year program.


University tuition will cost more than college tuition per semester, and universities have a longer program than colleges. University tuition can cost up to $24,000 per year. This doesn’t include the cost of room and board, or textbooks, so budget for those too. Textbooks will cost about $1,000 on average. According to the Criminal Justice Degree Hub, here are the 10 most affordable criminal justice degrees:check their explanation about criminal justice school at http://www.criminaljusticedegreehub.com/top-10-most-affordable-criminal-justice-degree-programs/.

• Fort Hays State University – $21,576
• Waldorf College – $27,000
• Columbia College – $27,480
• Northwestern State University of Louisiana – $29,973
• Ohio University – $30,144
• American Public University – $30,250
• Troy University of Online Learning – $32,160
• Metropolitan State University – $33,940
• Bemidji State University – $34, 615
• Baker College Online – $38,540

Financial Aid

Students in the new Criminal Justice Program

You may qualify for financial aid if you are enrolled in an accredited degree program. First, make sure that your program is approved by the Department of Education, or the Council for Higher Education Accreditation. Then, complete the Free Application for Federal Student Aid, and they will let you know which loans, scholarships, and grants you may be able to receive.

A degree in criminal justice will enable you to have several different jobs. This field can be very rewarding, especially if you like to help people. It would be a good investment in your own future. Hopefully this article has answered any questions you had about how much criminal justice school costs.

Job Growth In The Criminal Justice Field

Is there much job growth in the criminal justice field? The short answer is yes. A criminal justice degree will open many doors for you. According to the U.S. Bureau of Labor Statistics, most jobs in the criminal justice field will experience a growth rate of at least 10% in the next four years. Criminal Justice is a popular field to get into, and there are many schools across the country that you can attend. Here are a few of the careers in the criminal justice field that are expected to experience the most growth in the next ten years.

Correctional Treatment Specialist

This career is projected to have a job growth rate of 26%. Correctional treatment specialists focus on criminal rehabilitation. It’s their job to reintegrate former criminals back into everyday society. They ensure that both the public, and the person being released from jail are safe. This job is different than a probation officer’s, since they focus on the making of rehabilitation plans that probation officers will use. The annual average salary of correctional treatment specialists is between $30,900 to $80,750, and there are 93,200 people working at this job in the U.S.continue reading this at http://www.criminaljusticedegreesguide.com/faq/outlook-for-criminal-justice-careers-and-salaries about criminal justice field.

Detective / Criminal Investigator

The job growth rate in this area is 22%. Detectives are some of the higher paid professionals in the criminal justice field. Detectives and Criminal Investigators are just a step higher than police officers. After putting in a few years of police work, many patrol officers apply to these jobs. They usually focus on a specific area, such as forensics or burglary. The average annual income is between $39,900 and $122, 990, and there are 109,230 detectives or criminal investigators working in the U.S.

Paralegals and Legal Assistants

Paralegals and Legal Assistants help lawyers with casework. It’s one of the most popular jobs in criminal justice, with 256,000 paralegals/legal assistants working in the U.S. The average salary is $29,460 to $74,860. Although they’re paid less than lawyers, they perform many of the same functions as attorneys do. They help to do research for cases, they investigate claims, and help lawyers to prepare their cases. The growth for this job is projected to be 18%. Paralegals are always in high demand, and many firms need them and depend on them to be successful.

Patrol Officer

Criminal Justice Field

This is the most popular criminal justice career field, and it is expected to increase at a rate of 14% in the next few years. Patrol Officers are also the most visible workers in the criminal justice field. There are 632,000 police officers in the United States, with an annual salary of $30,920 to $80,750.

If you want to help people, and have an interest in the law, then there are several different criminal justice careers to choose from. The ones in this article are expected to be the fastest growing, but there are many others you may be interested in. As long as crimes are being committed, there will continue to be job growth in the criminal justice field.