Posts by Larry


The Basics of Car Insurance Policies


Posted By on Jun 5, 2019

When shopping for car insurance, you probably weren’t sure which policy was best for you right off the bat. There are so many types of insurance out there, and it’s difficult to know for sure which one will be the best fit for you. Here is a brief overview of the different kinds out there to help you understand the basics:

  • Collision

Pretty self-explanatory, this insurance covers damages to your car after an accident in which your vehicle has collided with another vehicle.

  • Uninsured motorist

If you get into an accident with a driver who doesn’t have car insurance, this will help you pay for damages to yourself and your car. If you are hit by an uninsured driver, the team at Chapman Injury Lawyers is another way to get a settlement against the driver if you don’t have uninsured motorist coverage.

Whatever you decide to go with policy-wise, make sure you’re protected against the other drivers; just because you have insurance doesn’t mean that they do.

  • Underinsured motorist

This is often bundled with uninsured motorist insurance. Sometimes the other driver will have a policy that covers the bare minimum for them, and the bare minimum is rarely ever enough to help the other driver. Consider going with this option if you’d like a little safety net in your policy.

  • Comprehensive insurance

This is, obviously, the most comprehensive policy. Not only does it protect the driver in the case of a collision with another vehicle, but it also offers coverage in case their car is vandalized, struck by an animal, or is damaged in a weather catastrophe like a hurricane or tornado.

  • Liability only

This policy is common for people who don’t want to spend a ton of money on their auto insurance. If the holder of the policy is at fault for the accident, liability only insurance helps the other driver pay for their car and their injuries.

Although this is a common option for many people to go with, its simplicity makes it hard for drivers to get assistance in the case of a freak accident, or accident where they are not at fault but the other driver does not have sufficient insurance.

  • Medical payments

Often, an accident results in hospital time for at least one of the parties involved. No matter who is at fault, an insurance policy that offers coverage for medical payments can be a great thing to have because it helps the holder cover medical bills during their hospital stay.

  • Classic cars

This is a pretty niche policy that won’t affect most of the drivers on the road. But, if you have a vintage car, this policy helps cover the specific needs of your car that most other policies may not.

Hopefully, this list helped you out a little. One thing to consider is that a lot of the above policies can be combined with one another to create a customized plan that’s right for you! These also aren’t the only policies available, they’re just a few of the many policies that can be bought for a driver.

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Quick and Easy Hairstyles


Posted By on Feb 19, 2019

Mornings are rarely picture perfect. They can go from bad to worse when you realize you’re running late for work. Unlike most men, us women can’t just throw on some jeans and run our hand through our hair. We need to get an outfit together, apply some makeup, and do our hair. On a bad hair day, running a comb won’t get the tangles and frizz to go away. If you’re running late, you might not have more than five minutes to mess with your hair. Thankfully, there are plenty of quick and easy hairstyles to get you out the door in time. I read about them on the website for Therapy Hair Studio. Therapy is a premier hair salon located in Houston, Texas. They create great salon experiences for all different hair types on a daily basis.

The first hairstyle that works in a jiffy is the messy bun. It’s fast, simple, and you can wear it up or down. For some, you may have tried the messy bun in the past without success. I’m going to run through the process so that you can put your hair up next time you need to. Start by collecting hair into a high ponytail. The messy bun works better the longer your hair is. Twist the ponytail from the root to the tip. As you’re twisting the hairs, they should start to kink. Wrap your hair in the direction that your hair kinks until all your hair is in a tight bun. Use a hair tie or bobby pins to secure the bun and you’re ready for a productive day.

The next hairstyle for gals in a hurry is the ponytail. Ponytails can look fun, flirty, and cute even if they’re thrown together at the last minute. A teasing brush is great for those hairs close to the roots. Gather the hair into a high ponytail and then secure with a hair tie. If you want to give it that messy look, try pulling out some hairs. You can also leave all the hairs secure and add product for a slicked back style. There are several different options for creating a ponytail. Practice and find out which method looks best for you.

The last quick and easy hairstyle I want to talk about is the braid. There are a lot of different braid options that keep your hair controlled and cute without much effort. You can opt for a fishtail braid, a french braid, or a standard braid. It’s hard to describe how each braid works accurately, so we recommend watching some YouTube tutorials on how each braid works. Learn how to braid on a lazy afternoon and you’ll be able to get your hair ready in well under five minutes when you’re in a hurry.

These are three great hairstyles for when you’re running late. If you’re looking to get your hair done right, visit a salon for lots of different hair treatment options. Therapy Hair Studio can do tons of different treatments to give you the hair of your dreams. Their services include hair extensions, Brazilian blowouts, and coloring.

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White-collar crime may seem like a victimless transgression compared to other illegal activity , but people still get hurt. Over the years, society has witnessed some incredibly brazen acts of white-collar crime, and even though these criminal acts were non-violent, innocent victims had their lives turned upside down by these callous criminals. Their acts usually involve stealing large amounts of money through embezzlement, fraud, and other nefarious schemes, and many of these criminals have borrowed similar strategies from one another. In the end, they always get caught. Here are some of history’s greatest white-collar criminals:

Charles Ponzi

Born and raised in Italy starting in the year 1882, the world had rarely seen the likes of this man. Although the way he performed his crime was performed years before by a Brooklyn bookkeeper to make nearly $1 million at the time, Charles will forever be remembered as the evil genius who mastered the Ponzi scheme and cost his investors over $20 million ($240 million today.) His scheme involved promises that he could not keep, but investors still trusted him to return a 50% profit in 45 days or a 100% profit in 90. The idea was to take cheaper postal reply coupons from other countries and sell them at face value in the United States for a profit. His plan worked for over a year before it finally caught up to him. He was later sentenced to life in prison.

Martin Frankel

“Marty” Frankel was born in 1954 to an American family, and used astrology to forecast important financial decisions. After being fired from his investment job, he used the alias “James Spencer,” among many others, to set up investment firms. From there, he continued to conduct himself in a manner that was increasingly scandalous. He continued to take money on false promises, and transferred investors’ money to his personal bank account. Finally, his crimes caught up to him and he fled to Germany where he was arrested for passport fraud and later extradited to the United States in 2001. He is currently serving a 16 year sentence in prison for stealing over $200 million.

Enron

Possibly the most criminal enterprise in recent years, Enron has become synonymous with white-collar crimes. At its peak, Enron was the seventh largest company in the United States, and its headquarters were located just south of Austin, Texas in Houston. The company’s executives used shell corporations to make the business appear more profitable than it actually was, and for a while their plan worked. It wasn’t until 2001 that investors started to realize what was really going on, and the price of Enron’s stock fell from $90 to nearly $0.70 a share. The truly despicable part of this tale is that the executives were able to steal millions of dollars before the company collapsed. Although many senior-level employees were sentenced to prison, the company’s founder and mastermind behind the plot died before he could serve is 45 years behind bars.

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Crash in Iowa


Posted By on Oct 5, 2017

Accidents happen to anyone, and it can happen to you. I recently purchased a new motorcycle, including my helmet and other safety gear. I wear the safety helmet, eye protection, and gloves, but I know that other motorcyclists are more at risk if they are not wearing the proper riding gear. I’ve been a motorcyclist for many years, so I know the roads in our state. I like to drive across the different counties in our area and take in the sites and country roads. I follow the rules of the road, but some other motorists obviously don’t. I think this is the third time since I got the bike two weeks ago, that I am going through an intersection, and an automobile doesn’t yield to me and turns left in front of me. Luckily, I avoided an accident in these situations. However, I don’t think that everyone is so fortunate. I was reading stats on accidents in our state, and the website states that more than 50 percent of motorcycle-vehicle crashes occur because a driver did not see a motorcycle. I understand that bikes are smaller vehicles, but if you are watching out for bikes when you are driving, I think that you could see them. I also read that nine out of ten motorcycle fatality victims were not wearing a safety helmet. However, it doesn’t help that our state doesn’t have a helmet law, requiring that all motorcycle driver wear one. I don’t get it. Automobiles require air bags and other safety equipment in the event of a crash. So, if someone hits a motorcyclist (who is not protected from the elements like a passenger in an auto), that motorcyclist is going to either fall or get tossed in the air, bike and all. It makes sense to me to always wear a helmet, but maybe the law will change someday.

I also read that in the past six years, overall traffic fatalities in our state have declined, yet motorcycle fatalities have not. I also read that more than 50 percent of motorcycle-vehicle crashes occurred because a driver did not see the motorcycle. I just don’t get it. If the automobile or truck driver is alert and watching out for the motorcyclist, then they should be able to avoid any collision. The rules of the road need to apply to all drivers, including motorcyclists who have a greater chance of fatality if involved in a crash.

I can understand why there are more fatalities with bikers. I’ve had to dodge vehicles that were forcing me off the road just so that they can get in my lane. Or another vehicle is honking their horn to get me to pull over so that they can get in my lane when I am driving the required speed limit. Well, motorcycles are vehicles with the same privileges as any vehicle on the roadway. If other drivers don’t start respecting the other drivers, including motorcyclists, then accidents will continue to happen.

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Property boundaries are some of the most overlooked issues in real estate. It is easy to ignore the legalities behind boundaries because people assume that boundaries are obvious enough to determine with the naked eye alone. But this is not always the case. There are instances where the boundaries are much more complicated than that. Disputes may arise and sour your relationship with your neighbors.

Know your boundaries

According to the website of Gagnon, Peacock & Vereeke, P.C., almost every property has carefully delineated boundaries that determine precisely where the property owner’s rights to make altercations or otherwise exercise control over their property end. So, the boundary dispute may just have risen because of your lack of knowledge regarding your boundary.

Your boundary is documented, so you have to go through papers to determine the legal bounds of your property. This is usually found in your settlement papers, in the part where there is a property map drawn out and indicate your property’s boundary.

Talk to your neighbor

An essential part of any kind of dispute, not just real estate disputes, is communication. Go talk to your neighbor, tell him that he is already crossing into your boundary, and politely ask to do the appropriate actions to avoid encroachment.

It is a good idea to assume that your neighbor has crossed the boundary innocently, as this will create a less adversarial nature in your dispute. To make your claim stronger, bring your settlement papers with you, and give emphasis to the part where your property’s boundary has been clearly set.

Make the dispute official

If asking your neighbor politely doesn’t work, you can take the more aggressive approach – making the dispute official. You can write a letter to the land records office. This letter should be detailed, so you can make your case strong. Include settlement papers that prove your boundaries and documentations of your neighbor going over these boundaries. Making the dispute official gives your neighbor the impression that you mean serious business.

This may not seem like a “simple solution,” but that is arguable. It is likely that you will require a lawyer, and even complicated stuff like real estate disputes become simple if you have the help of someone who knows what he is doing.

Compromise with your neighbor

If making the dispute official is the more aggressive approach, compromising with your neighbor is the less aggressive approach. But this doesn’t mean that you will be submissive and go with the whims of your neighbor. In fact, your neighbor is the one who will submit to you.

You can make a document that lets your neighbor use the disputed part of your property, and indicate that the part still belongs to you and that it will not be subject to adverse possession. Also, there is the option of selling that part to your neighbor as well.

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