Tenants – lease or buy

Introduction: This article is based on common sense and a lot of experience. When your business requires its own premises a decision must be made as to whether to lease or purchase commercial property. If the answer is not immediately obvious to you, here are some of the considerations:

1. Available finances: Your first consideration will be based on whether you can afford to buy. If you can, but only just, is it worth pushing to own the property to save your money being poured into someone elses hand if you instead, choose to rent. Of course your calculations will be based on interest rates and rates of return on property. Interest rates vary according to the economic cycle and a number of other factors. Rates of return on investment in property vary according to the interest rate cycle, and also to the type of business property. An investor in a substantial shop property in NSW for example, might expect a return of 5%, whereas an investor in industrial property in say, Newcastle, may seek a return of 10% or even 12%. This difference reflects the market’s perception of risk.

On a pure comparative cost calculation, you should therefore set out the figures comparing the total cost of being your own landlord, as against the total cost of someone else being your landlord. If you are looking at a rent of, say, $30,000 per year against a purchase at $300,000, then you need to be able to borrow at less than 10% for the cash flow effect of your purchase to be better than the cash flow effect of a lease (ignoring capital repayments).

2. Capital appreciation: In the long term the capital value of your purchased property will increase at least in line with inflation. For property, the “”long term”” can be said to be the life of an average building, so we are talking “”really, long term””. Even this however, is subject to other influences and trends. Over the last ten years the changing structure of the workforce has reduced the demand for industrial and older business property. Your motor repair workshop may only be worth the same number of dollars today as it was worth ten years ago. In real terms you have probably lost half its value. Even if you use a professional surveyor to advice on today’s values, you will still need to take your own view on future values. In a property lease the risk is taken by your landlord. The rent is likely to be fixed for a number of years, and will then be increased in line with the general level of rents for similar properties.

3. Property is always a strong asset in the long term: In the cash flow calculation above, no account has been taken of repayments on any borrowing you took out to fund the purchase. If a large proportion of the purchase price was borrowed from a specialist property lender, with repayments of capital and interest (like your house mortgage), then you may still be able to find a deal which provides a total payment to your lender which is no greater than the sum that you would have been paying in rent. In that scenario, you end up owning your property. That is obviously more attractive than a property lease situation. But if you need to sell your property in bad times, you may not achieve the price you thought it was worth.

How an Attorney Will Evaluate Your Case

Copyright (c) 2014 SLAPPEY & SADD, LLC

The first meeting with your accident lawyer may be seen as an interview. You will be assessing the attorney to determine how well you get along and whether you will be able to work with him. Conversely, the attorney will be assessing you and your case to see whether it is strong enough to pursue. .

Why Case Evaluation Is Necessary

The accident injury attorney must conduct an assessment of your case. In the long run, this will benefit both of you. If your case is weak, it may be a waste of your time to pursue. If there is little to no chance of winning, the attorney may not wish to invest the time; after all, personal injury lawyers work on a contingency basis and thereby only are paid if the case succeeds.

Factors in Evaluating a Case

During your initial meeting, the accident lawyer will ask you many questions. These are for the purpose of evaluating the strength of your case. Among those factors that are important to this end are: – When the accident occurred. This question is very important, for if you wait very long after the accident to file a claim you run the risk that the statute of limitations will run out and you will lose the opportunity to sue. A rule of thumb to keep in mind is that the sooner you speak with an attorney, the better;

– Details of the accident. Your lawyer needs to know in detail precisely what happened. This is important for two reasons: one, to determine who was at fault for the accident; and two, to see whether you share blame to any degree. Keep in mind that it is not uncommon for a plaintiff to share liability for an accident, but the degree to which this is the case will diminish any potential compensation;

– Injuries you suffered. Your attorney will need to know the extent of your injuries in order to determine how much your case is worth. He will also want to know whether your condition has yet stabilized or if further treatment is necessary. If you have not yet sought medical treatment, the attorney may wonder whether you are really hurt. A secondary, but important, reason for asking about your injuries is that the attorney will want to hear how well you are able to articulate them. This can prove useful later if you need to give testimony;

-Witnesses. If there were witnesses to the accident, the lawyer will need their names and contact information. Witnesses are especially important in higher-value cases; and

– Where the accident occurred. The location of the accident is important because later, if litigation becomes necessary, where the trial will take place will depend upon this.

Call an Accident Injury Attorney for Help

A personal injury accident can leave a victim with exorbitant medical bills. If you were injured in an accident because of another person’s negligence, contact an accident lawyer for assistance.

How An Atlanta Accident Attorney Will Evaluate Your Case

The first meeting with your Atlanta accident lawyer may be seen as an interview. You will be assessing the attorney to determine how well you get along and whether you will be able to work with him. Conversely, the attorney will be assessing you and your case to see whether it is strong enough to pursue.

How To Activate Subconscious Mind Power Driven By The Laws Of Vibration And Attraction

The Subconscious mind is driven by working in conjunction with the laws of vibration and attraction . It’s been long professed that once mastered, you will live a life of prosperity, obtaining all we wish for. Let’s get a deeper understanding what these laws mean and the role of the subconscious mind with steps to make this all happen.

Law of Vibration What does it mean?

Whether one believes it or not, the law of vibration is right here in our midst. It works and it works all the time. While it may be difficult for some people to grasp the principles regarding the law of vibration, for others its perfectly easy.

The Law of Vibration refers to everything being a form of energy and that the entire universe is made up of energy. Studying a particle through a microscope will show molecules are visible which are in constant motion. If you take it a little further and explore within the molecules, atoms become visible which in turn have a proton constantly being circled by an electron and this is in fact, vibration in action. So, as we know that all things are made up of atoms, we also know that all things are vibrating, albeit at different frequencies although it is only when vibrations occur within the human range, that we can see or feel them.

Whether you believe we were created by God or not, whatever or whoever created us must also vibrate. Taking into consideration that we are the result of this creation, and that were made up of molecules, we in fact also consist of energy and as with everything else, we also vibrate. Thoughts, sounds, light and in fact anything that has to do with us also vibrates. Now, if we take all this into consideration, it should essentially be possible to synchronize our vibrations with the vibrations of the universe and therefore, providing we do this, it should be possible to connect with those things to which our vibrations are pointing to. Of course for this to work, the thoughts of both our conscious and subconscious minds must be in alignment with the vibrations of the universe. It is for this exact reason that we need to be aware of our conscious and subconscious thoughts.

Law of Attraction

As with the Law of Vibration, we are also have the Law of Attraction and just as with the Law of Vibration, the Law of Attraction is also a law concerning the entire universe. In essence, the Law of Attraction explains that for every action, there is a reaction. In other words, there is an effect as well as a cause for everything we do. By applying this Law of Attraction, it is possible to have anything we want purely by thinking of it. However, in order for this to work, we need to condition the thoughts within our subconscious mind in order for them to attract that which we are wanting to attract. If the subconscious mind does not wish for a particular thing that we are wanting, we simply will not get it.

While we are able to control the Law of Attraction to some extent, we should also acknowledge that it is a law which exists apart from you. The only way to have some degree of control over this law is through our vibrations and our thoughts. In other words, we need to focus on conditioning our subconscious mind in such a way that it vibrates in harmony with the vibrations of the universe, thus allowing us to have whatever we wish for, simply by thinking about it.

The Role of the Subconscious Mind

Okay, so now we are aware of the two laws which are able to work in conjunction with the subconscious mind. We also know that if we enable this to happen, we can live a life of prosperity, obtaining all that we wish for. However, simply knowing about this is not enough because we also need to understand the role of our subconscious mind, which in turn will lay the foundation for being able to control it.

Many people tend to confuse the brain with the mind so lets make this clear. The brain is not the mind. In fact, it is the mind which uses the brain to conduct certain functions.

On one hand, our conscious mind is employed to receive and interpret sensory input from the five human senses by using our brain. Once our conscious mind has completed this task, it forwards the information to the subconscious mind where it will in turn be analyzed and processed in such a way that they will have specific effects on ones body or on the way that one does something.

In order to take advantage of the two laws we discussed and get something you want, you simply need to set the process in motion by focusing your thoughts on that which you want. Your conscious mind will accept the input and relay it to your subconscious mind.

Amazingly enough, unlike the conscious mind, the subconscious mind never sleeps and it never switches off, hence the reason why people dream at night. In fact, a dream is really a result of some kind, which is being delivered to you from your subconscious. Another form of delivery takes the form of you receiving something which you have been wanting.

Obviously, in order for you to get what you want, it is fundamental that your subconscious mind is vibrating in alignment with the vibrations of the universe and for this to happen successfully, the programming of your subconscious must also be in total alignment. If this is not the case, you will not get what youve been wanting. Your thoughts have to vibrate in accordance with your wishes and in so doing, you as a person will find yourself in perfect alignment with the universe.

So, lets just look at this one last time. In order for you to live a prosperous life and have all that you desire, you need to understand the Law of Vibration. You also need to understand the Law of Attraction and lastly, you need to understand exactly how the subconscious mind works. In simple terms, this entire concept works simply by you providing input to your conscious mind where it will in turn be interpreted, and then forwarded to the subconscious mind where it will be processed. If for some reason the programming in your subconscious is not in agreement with the recently received thoughts, suitable vibrations will fail to materialize thus not being able to align with the vibrations of the universe. This of course will result in you not getting what you want.

Yes you can have anything you want but before that can happen, you need to make sure your subconscious mind is in a suitable condition and able to vibrate in alignment with the vibrations of the universe. If you have not yet accomplished this state of mind, its inevitable that you make certain lifestyle changes with regards to your current mindset.

Posted in Law

Gainesville Probate Disputes Lawyers – When You Should Hire a Lawyer to Contest a Will

A will is one of the most important documents that anyone with a large estate, multiple properties and considerable bank accounts should have. Yet, even with a will in place there often arises probate litigation involving the assets amongst the family members of the deceased. In fact, probate litigation often becomes inevitable when all other forms of mediation and diplomacy within the family have failed. Here are a few reasons to consider hiring Gainesville probate disputes lawyers to assist you in probate litigation.

Difference of Opinion

Unfortunately, a will is not always extremely clear on every matter and can cause confusion, strife, frustration and anger amongst the surviving family members. If there is a difference of opinion regarding whom the guardianships or the conservatorships are, then it might be in your best interest to consider hiring Gainesville probate disputes lawyers to professionally handle the case.

One Beneficiary of Many Benefits

It can often seem unfair or even suspicious when one beneficiary receives the majority or the full benefits offered in the will. If you believe this was done in error, or have doubts about the validity of the beneficiary named or the will itself, then consider speaking with a lawyer who has extensive experience in probate disputes to help you receive your fair share.

Beneficiaries Are Not Provided Full Inventory

You might have reason to be concerned about the will if not all of the beneficiaries are provided with a full inventory of the property. You may want to call experienced Gainesville probate disputes lawyers to determine the best way to officially contest a will or file a probate dispute.

While there are many reasons that a will can be contested, the above are only a small percentage of the actual reasons probate disputes occur. For a more complete list of reasons to file an official probate dispute with the courts, speak to one of many skilled and professional probate disputes lawyers in Gainesville.

The importance of a will cannot be stressed enough and is necessary for many reasons, including:

To avoid disputes and arguments amongst surviving family members To ensure all the beneficiaries will benefit from the estate To protect the wealth To find an amicable solution for the estate

If you feel the will has been compromised or is unfair then you have the option to speak to a lawyer. It might be best to hire Gainesville probate disputes lawyers that have extensive experience and knowledge in contesting a will. They will look out for your best interests and inform you of all the options available to you.

Workers’ Compensation Lawyer

Workers’ Compensation Attorneys comprise the specific class of lawyers who devote their legal practice to handling workers’ compensation claims. Worker’s compensation refers to the insurance or compensation provided to cover any personal or physical injury, medical reimbursements, loss or death in workplace or within the employment tenure. These laws for worker’s compensation are a result of long fought battles by trade unions and still in the 21st century Worker’s compensation or Worker insurance are characteristics of very advanced and developed societies.

In common, employers enjoy the liberty of deciding where to give worker benefits or compensation. In California, however, the law states that the employer needs to carry Worker’s Compensation Insurance or be qualified for self insurance to cover any on-the-job injuries. Work related injuries or illnesses include limb disorders, heart and lung diseases, hypertension or severe accidents in workplace that even make individuals cripple for life. In these cases, workers’ compensation benefits may allow for money for time off during recovery of an injury, reimbursements of medical expenses or compensation for a long term disability or permanent impairment.

Getting the deserving compensation in the right way is not very easy and simple. Determining your eligibility to get compensation in many cases gives rise to complex issues which may lead to disputes denying your compensation or injury claims. Such situations get out of your control and what you need is a professional legal assistance of a Worker’s Compensation Attorney.

Employment laws and legal rules binding employment issues are continuously changing in an effort to keep pace with the changing modern society. Workers’ Compensation Attorneys are the appropriate persons who are updated and well informed with the latest employment laws and can help you making you aware of your specific rights and obligations as an employee.

If you search for Workers’ Compensation Attorneys, you will find very few Law firms or lawyers devoting their practice to this field of law. Selecting the right attorney for your case may be an uphill task. Make certain necessary considerations while choosing your lawyer which includes the following: your Worker Compensation Lawyer must be patient and tolerant and a good listener, he or she must be able to analyze and understand the case by listening to you without doing any research or survey, he or she should demonstrate enough confidence to convince you that he or she is capable of handling your case and last and not the least is the fees he will charge for your case are based on the law and usually will not exceed 15% of your permanent disability settlement recovery.

Your search for a reliable, expert Worker Compensation Attorney ends here. Visit www.geklaw.com for more information. Our Worker Compensation Attorneys have earned fame serving clients in California and successfully obtaining worker compensation and fair settlement for more than 30 years.

FAQs on Personal Injury compensation

After your serious car accident, you might be pressured with a lot of things to prioritize and settle. More so, medical and hospitalization concerns seem to absorb all your time, energy, and money. You are anxious on how you could obtain financial assistance from your health care provider and compensation from the driver.

Here are answers to some of the common questions about personal Injury claim.

1. Ive been injured in an accident and I want compensation for my injuries. What should I do?

Recall and record all the information that you can obtain from the accident scene.

Write the details in chronological order. Keep all the hospital receipts or ask your family to collate everything for you. Write the conversations that you have with the people around you. Don’t try to memorize them; your brain might still be in trauma.

Save and collect evidence from the scene as early as possible. Talk to your lawyer and ask him to file the lawsuit immediately. Ask your companion or any family member to obtain a copy of the police investigation report. If you are able, communicate with your health care provider for the coverage of emergency bills.

Tell your lawyer about the witnesses that you have seen on the accident. Tell candidly who do you think is responsible for the accident, or what have caused the accident.

2. When should I tell people about my lawsuit plan?

You should notify the offender as soon as possible about your complaint, otherwise, you might be charged of not filing within the allotted time period. As much as possible, file within two weeks. You may consult your lawyer regarding which accident type suits your case. It is also equally important to coordinate with the police regarding investigation.

3. What if I am filing a lawsuit against a government employee or agency?

You should file a notice of claim within 60 days. Failure to do so, forfeits your compensation rights. It is referred to as the “Statutes of limitations”. The actual deadline may vary depending on your accident type.

4. How can I estimate my claim?

Write down and sum up all the receipts in the hospital. These may include: medicines, supplies, food, tools, and therapy expenses. Also, include specific loss income and emotional damage.

5. What transpires during the first meeting with my lawyer?

Your lawyer will determine if your complaint is valid. You may be asked for a retainer agreement. Your lawyer will gather evidences that may substantiate your case. You may need to prepare for filing fees in court, though your lawyer may not ask for payment until you get remuneration.

6. What if the offender offers settlement?

Weigh all the conditions and compare the amount offered with the actual expenses that you have or may have before accepting the offer. Consult your personal Injury lawyer in Los Angeles to weigh the actual damages against the offer.

Custody of Children after a Divorce

Over the course of history women have been given custody of children after a divorce more often than men. This used to be seen almost as an automatic right. This has changed slightly in recent times though, with Fathers given significantly more rights when it comes to looking after children post-divorce. This applies to both custody and visitation rights if their ex-wife has been given custody. A Fathers role in the development of children is taken much more seriously than in previous times. Family Law states that Fathers have equal rights to Mothers and each decision should be made on its specific merits.

Statistics show that women get custody more than men though. What is the reason for this? It could be that there is still some bias towards women by judges, who assume that Mothers make better parents. On the other hand it could just be that Mothers tend to more often be in the position where the children living with them would be more appropriate.

After a divorce there are many factors that are taken into consideration when deciding which parent should get custody of the children. Each parents employment status can be a very important factor. If one parent works full-time and the other doesnt work at all, it may be deemed best that the children live with the parent who does not work. This is because (s)he has more time to be able to devote towards the children. This may be one reason why women gain custody more often than men; it is more common for women to be stay-at-home parents than men, although this is not as common as it once was. A decision is most likely to be based on this reason if the situation was the same when the couple were married, and this parent has spent more time with their children as a consequence. The decision can in some cases be made the other way round, with the parent who does work being deemed to be in a more financially stable situation. This is not always the case because this parent will usually be required to make maintenance payments to help the other parent bring up their children.

The situation each parent finds themselves in and the stability of this situation is also important. This can depends on employment as well as other factors, such as lifestyle. If one parent has medical or psychological problems, then they may not be deemed the best parent to bring up the children. If one parent has re-married it could work either way. It may be seen as a negative to have someone else playing a part in their upbringing so soon after their parents have separated, but it could also be decided that this is a better family environment to bring children up in. A criticism of the system is that too much of the decision comes down to the opinions of a particular judge, and no matter how much Family Law stipulates what should happen, everyone has certain biases.

Andrew Marshall (c)

Things to Check When Hiring a Domestic Violence Lawyer in San Diego

If you have been accused of domestic violence your life is about to take a drastic change. Accusations of violence can come with serious consequences if not addressed in an efficient way that protects your rights. The most important thing for you to do is get fair representation from a reputable attorney. However, it is important for you to understand how to go about choosing a good lawyer to represent your case.

Look for Experience

The lawyer you choose to represent you should be able to provide you with proof of experience. It is best to choose a lawyer that not only specializes in these types of cases but also knows the ins and outs of the laws that apply specifically to your current jurisdiction. Their first hand knowledge of the local justice system along with having developed an understanding of the people in the system, the judges, prosecutors, and other lawyers could give you a decided edge in your trial.

Check Their History

A good lawyer will also have a strong track record and a proven history of success. Lawyers are often rated through different online sites where you can get to see how they measure up compared to other attorneys. You can see customer satisfaction comments, complaints, and other issues that may be related to this type of case. Checking a lawyer’s track record and level of customer satisfaction can be very helpful in your case. It can put you at ease if you know that your lawyer has plenty of satisfied customers before you.

How Much do They Charge?

Another point that you must carefully weigh is their fee. Legal fees can vary from one lawyer to the next, so it is important to check carefully. There are many attorneys out there that will have the qualifications you need at a price that you can readily afford. Don’t use money as the sole deciding factor in hiring this type of lawyer though. You are facing some very serious charges and you need to be sure that your lawyer will be able to protect you in the best way possible. Hiring a lawyer should be about their skill and abilities more than anything else.

Because of the sensitive nature of the type of cases that will be handled, you want to make sure that you have found a domestic violence lawyer in San Diego that knows the intricacies of the laws regarding these types of cases. Choose a lawyer that will be competent in every aspect of this field so that you have the best representation possible.

Reclaim Your Life By Engaging The Vacuum Law Of Prosperity

Its about this time of year that we begin to see the results of having planted some seeds in the spring. Some of our plants may just be peeking through while others are taller and more mature. If one were to just come upon a garden this time of year they might think how lucky the owner was to have such a fabulous garden.

They may even feel envious because their garden isnt any where near the quality of the garden they just saw.

They may even think its not fair that that person has such a marvelous garden while they have an inferior garden or maybe not have a garden at all and their plot of land is overgrown with all kinds of weeds.

It is impossible to reap fresh vegetables from a weed patch. And even if they did plant the seeds for fresh vegetables they neglected to continue to pull weeds and other unwanted vegetation from their garden.

This situation is very similar to someone who has not cleared the way for prosperity to show up in their life, or have cleared it only to have it fill up again before they got around to planting their seeds, or have planted their seeds but let the weeds take over.

They may even feel cheated, overwhelmed and unluckyand that is definitely losing pieces of your life. The only way to reclaim your life from that situation is to engage the Vacuum Law of Prosperity.

That means we need to clear out the dead and the old in order to make room for the already established to grow and flourish and have space for the new to be welcomed and nourished. We need to engage the Vacuum Law of Prosperity.

Basically, the vacuum law of prosperity is this: if you want greater good, greater prosperity in your life, start forming a vacuum to receive it! In other words, get rid of what you dont want to make room for what you do want. (Ponder, 1982)

This concept applies to all areas of our life, spiritual, mental and physical.

Intending to get rid of stuff is great but it is also necessary to take action in order to really create that vacuum. Taking the following steps can help you at least begin to create that vacuum in your life.

One: make a list of what needs to be gotten rid of.

Two: beside each item write how that item is to be gotten rid of (Ex. Given away, sold, trashed, etc.).

Three: beside each item write the name and the contact information of whoever you need to contact in order to complete the getting rid of.

Four: take at least one action each day toward getting rid of everything on your list.

As you get ride of what you dont want, make sure you are putting in their place what you do want. This includes not only new possessions when needed or wanted but also new ideas, attitudes, or behaviors.

Now look at the less tangible things in your live that may be clogging the flow of prosperity in your life. Are you holding on to anger, irritation, jealousy, vengeance or an attitude about something or someone? Forgiveness goes a long way in keeping the flow of prosperity in your life and thus enabling you to reclaim your prosperous life in an
empowering manner.

Letting go of the need to be right, the need to always be the center of attention, and the need to get even will go a long way in helping you reclaim that part of your life that has you live in peace, harmony and prosperity.

Patricia J. Honiotes, M.S.

Posted in Law

Theft and Shoplifting Penalties from a San Antonio Texas Criminal Lawyer

Under San Antonio/Texas law, a theft crime is classified as a crime in which a person -unlawfully appropriates property with intent to deprive the owner of property.- This is unlawful if it is done without the owner’s consent. In simpler terms, theft is the act of stealing property from a person or a store, writing a check that bounced, or accepting stolen goods. If you have been charged with theft or shoplifting in San Antonio, Texas, a criminal defense attorney can be of assistance.

Theft is considered a moral crime which can result in jail time and a heavy fine. Additionally, a conviction can carry severe consequences that can follow you for the rest of your life. An employer may be reluctant to hire a person that has been convicted of theft and shoplifting because of the implication that the person cannot be trusted.

Criminal theft classifications can range from a Class C misdemeanor to a felony dependent upon the value of the property involved. If the stolen property is less than $50, the crime is classified as a Class C misdemeanor. The penalty for Class C theft is a fine up to $500 and no jail time is possible. Regardless of the simple fine, a theft/shoplifting conviction in San Antonio, Texas will leave you with a criminal record and negatively affect your future. A San Antonio theft defense attorney can help keep these charges from appearing as convictions on your permanent criminal record.

If the value of the stolen property is more than $50 but less than $500, the theft is classified as a Class B misdemeanor. This type of theft is punishable by up to 180 days in jail and a fine of up to $2,000. An attorney can often-times get these charges reduced or dismissed completely.

For theft or shoplifting of property valued at $500 or more, the crime is classified as a Class A misdemeanor. Class A theft is punishable by up to one year in jail and a fine of up to $4,000. For Class A theft, it is very important to hire a San Antonio theft attorney to defend you against the serious charges.

If you have been charged with theft, it is possible to get your penalties and fines reduced or dismissed based on legal know-how and circumstantial evidence, or lack thereof. A San Antonio defense attorney experienced in handling theft and shoplifting cases in Texas courts can be a great source of information and legal protection.

San Antonio criminal defense lawyer has been practicing law for 27 years and has experience working with theft and shoplifting cases in Texas Courts. If you have been charged with theft or shoplifting in San Antonio, a lawyer may be able to help you minimize the Texas theft penalties.