Monday, August 27, 2012

Benzene Attorneys in Illinois

What is Benzene?
Benzene is a petroleum-based chemical that is widely used in industrial and commercial manufacturing. It is clear, colorless and highly flammable. It evaporates quickly into the air and can dissolve in water. It is often used to make other chemicals that are used in the production of paints, plastics, dyes, rubber and pesticides, among other things. Benzene is also naturally occurring and can be found in crude oil and gasoline.

How are people exposed to benzene?
Exposure can occur either through inhalation of vapors or ingestion or contact with skin. Tobacco smoke, industrial plant pollution and car emissions all contain benzene. An area such as a gas station will have high levels of evaporated benzene in the air. If a benzene spill occurs, benzene can absorb quickly into the soil. Ingestion of benzene can occur if the water in a community is contaminated because of an industrial spill or if the soil becomes contaminated for some reason such as a leaking storage tank.

Exposure to benzene can occur in the workplace. For railroad workers, exposure can result from use of oil based lubricants and exposure to diesel exhaust or gasoline distribution. Other workers at risk for benzene exposure include delivery workers, painters, printers, farmers who work with pesticides, auto mechanics who work with oil based products and laboratory workers.
Exposure to benzene can also occur at home. At home products such as paint, detergents, varnishes, furniture waxes, solvents such as paint thinner, and degreasers may likely contain benzene and users should strictly adhere to safety instructions.

How will I feel after being exposed to benzene?
If you inhale benzene vapors, you may experience nausea, drowsiness, dizziness, headache, rapid heartbeat, tremors, confusion and unconsciousness. If you ingest benzene, you may experience the same symptoms as inhalation as well as vomiting and convulsions. If you come into physical contact with benzene, you may experience irritation and tissue damage. Regardless of the manner in which you have been exposed to benzene, it is highly recommended that you seek immediate medical attention.
Can exposure cause cancer?
Benzene is classified as a carcinogen (cancer causing agent) by the US Department of Health and Human Services and, therefore, its use is highly regulated by the Environmental Protection Agency and in the workplace by OSHA (US Occupational Safety and Health Administration).
Exposure to benzene over a long period of time can lead to lung cancer and various types of leukemia (a cancer that affects the white or red blood cells and the blood production centers of the body). Exposure to benzene can also cause Non-Hodgkin's Lymphoma, a cancer affecting the white blood cells and the lymphatic system.
Myelodysplastic Syndrome can also result from exposure to benzene. Myelodysplastic Syndrome is not a cancer but it can itself increase the risk of developing leukemia. It affects the bone marrow and results in the production of defective and immature red blood cells.
What are the symptoms of diseases caused by benzene exposure?

Symptoms of leukemia include fever and chills, night sweats, sudden weight loss, weakness and fatigue, swollen lymph nodes and spleen, and bone pain. Symptoms of Non-Hodgkins Lymphoma include similar symptoms as leukemia as well as swollen lymph nodes in the neck, abdominal pain, difficulty breathing, coughing and chest pain. Symptoms of Myelodysplastic Syndrome include fatigue, shortness of breath, pale skin color and frequent infection.

Statute of Limitations

Oftentimes, people are reluctant to file or consider filing a lawsuit when they are fighting a serious illness. You should focus on your health and recovery but you should also keep in mind that any recovery you obtain from a lawsuit may help pay for medical bills, lost wages and other related expenses.
If you have been diagnosed with an illness that is benzene related, it is highly recommended that you contact an attorney as soon as possible because the time limit to file on products liability cases (which would include cases against certain paint manufacturers and other materials that contain benzene) is two years after the diagnosis. If a loved one has died from a benzene related illness, you should contact an attorney as soon as possible because the same time limitations usually apply.

How will I pay for an attorney?
Attorneys who handle these types of cases almost always work on a contingency basis. This means that you will not pay any attorneys' fees up front or have to put up any money up front, including costs of expert witnesses. Rather, if you obtain a settlement or a jury award, your attorney is paid from that recovery amount.

Now what?
Call us. We are free and we are confidential. We can recommend an attorney in your area who has handled similar benzene-related cases.
To learn more visit,

Friday, August 24, 2012

All That Glitters is Gold

Once upon a time the amount of currency any particular nation could produce was directly tied to its reserves of gold and other precious metals. This restricted any further production of paper money until there was an equal rise in stocks of precious metals. What this did was preserve the inherent value of money, as at any point it could be exchanged for an equal amount of gold. A unit of currency was not simply an arbitrary figure; it represented the quantity of gold that could be bought for that price.

In the intervening years this system has fallen out of favour with modern policy makers. Where governments were once restricted from increasing the money supply at a whim, currency creation is now just a matter of printing more as required. In fact, physical printing of paper currency, or minting of coins, is no longer necessary. With computers serving as the medium for large transactions, increasingly the money supply can involve as little as authorising a few additional keystrokes.

The problem with this strategy is that increasing the money supply doesn't affect real wealth; it simply causes a rise in inflation. The principle behind this is that since there has been no change in the supply of goods and services, the price of everything will go up to reflect the additional currency within the market. On an individual level, this means that the purchasing power of your money will have shrunk. To give a rudimentary example, your which bought five cheeseburgers one year, may only buy three the next, two the year after that and so on.

When taken in a national context, inflation is what deters countries from simply creating more money in order to repay debts. At least, it should act as a deterrent. If the market is suddenly flooded with a certain currency, its value will decrease. This would cause debt repayments to be worth less than the value of the loan before the increase in the money supply. To avoid this, there has been a recent trend back towards a system based on physical assets. If currency holds in itself an inherent value, it becomes more difficult to simply print more, which in turn will help control inflation.

Of course, completely returning to an asset based system would be infeasible at this point; too much has changed in the global financial landscape. However, hedging ones bets, both on an individual and a national level, by acquiring a portion of physical assets is something worth looking at. Gold offers security, but not necessarily the level of growth investors will be looking for. Property and well chosen shares will keep tabs on inflation, through the simple fact that you can't just print more of them, while providing dividends that should hold the value of your investment above inflation levels.

Tuesday, August 21, 2012

Payroll South Carolina, Unique Aspects of South Carolina Payroll Law and Practice

The South Carolina State Agency that oversees the collection and reporting of State income taxes deducted from payroll checks is:

Department of Revenue
P.O. Box 125
Columbia, SC 29214
(803) 898-5300
www.sctax.org

South Carolina allows you to use the Federal W-4 form to calculate state income tax withholding.

Not all states allow salary reductions made under Section 125 cafeteria plans or 401(k) to be treated in the same manner as the IRS code allows. In South Carolina cafeteria plans are not taxable for income tax calculation; not taxable for unemployment insurance purposes. 401(k) plan deferrals are not taxable for income taxes; taxable for unemployment purposes.

In South Carolina supplemental wages are taxed at a 7% flat rate.


You must file your South Carolina State W-2s by magnetic media if you are have more than 25 employees and are required to file your federal W-2s by magnetic media.

The South Carolina State Unemployment Insurance Agency is:

Employment Security Commission
1550 Gadsden St.
P.O. Box 995
Columbia, SC 29201
(803) 737-3070
www.sces.org/ui/index.htm

The State of South Carolina taxable wage base for unemployment purposes is wages up to ,000.00.

South Carolina requires Magnetic media reporting of quarterly wage reporting if the employer has at least 250 employees that they are reporting that quarter.

Unemployment records must be retained in South Carolina for a minimum period of five years. This information generally includes: name; social security number; dates of hire, rehire and termination; wages by period; payroll pay periods and pay dates; date and circumstances of termination.

The South Carolina State Agency charged with enforcing the state wage and hour laws is:

Department of Labor, Licensing and Regulations
Office of Labor Services
P.O. Box 11329
3600 Forest Drive
Columbia, SC 29211-1329
(803) 734-4295
www.llr.state.sc.us/

There is no provision for minimum wage in the State of South Carolina.

There is also no general provision in South Carolina State Law covering paying overtime in a non-FLSA covered employer.

South Carolina State new hire reporting requirements are that every employer must report every new hire and rehire. The employer must report the federally required elements of:

Employee's name
Employee's address
Employee's social security number
Employer's name
Employers address
Employer's Federal Employer Identification Number (EIN)

This information must be reported within 20 days of the hiring or rehiring.
The information can be sent as a W4 or equivalent by mail, fax or electronically.
There is a .00 penalty for a second offense late report and 0 for conspiracy in South Carolina.

The South Carolina new hire-reporting agency can be reached at 888-454-5294 or 803-898-9235 or on the web at www.state.sc.us/dss/csed/newhire.htm

South Carolina does allow compulsory direct deposit but the employee's choice of financial institution must meet federal Regulation E regarding choice of financial institutions.

South Carolina requires the following information on an employee's pay stub:

Gross and Net Earnings
itemized deductions

South Carolina requires that employee be paid as designated by employer.

In South Carolina there are no statutory requirements concerning the lag time between when the services are performed and when the employee must be paid.

South Carolina payroll law requires that involuntarily terminated employees must be paid their final pay with in 48 hours or next regular payday (no more than 30 days). Voluntarily terminated employees must be paid their final pay within 48 hours or by the next regular payday (no more than 30 days).

There is no provision in South Carolina law concerning paying deceased employees.

Escheat laws in South Carolina require that unclaimed wages be paid over to the state after one year.

The employer is further required in South Carolina to keep a record of the wages abandoned and turned over to the state for a period of 10 years.

There is no provision in South Carolina law concerning tip credits against State minimum wage.

In the South Carolina payroll law there is no provision covering required rest or meal periods.

South Carolina statute requires that wage and hour records be kept for a period of not less than three years. These records will normally consist of at least the information required under FLSA.

The South Carolina agency charged with enforcing Child Support Orders and laws is:

Child Support Enforcement Division
Department of Social Services
P.O. Box 1469
Columbia, SC 29202-1469
(800) 768-5858
www.state.sc.us/dss/csed/

South Carolina has the following provisions for child support deductions:

When to start Withholding? Next pay period after service.
When to send Payment? Within 7 days of Payday.
When to send Termination Notice? Within 20 days of termination.
Maximum Administrative Fee? per payment.
Withholding Limits? Federal Rules under CCPA.

Please note that this article is not updated for changes that can and will happen from time to time.

Thursday, August 9, 2012

Xbox Live Gold Cards & Points

Users of online media have found a real friend in Xbox. This started off as a game console like any other. You were able to watch movies on the console and listen to music. Nowadays, however, users have discovered that there is a whole new Xbox world available online. If you want to get the most out of your Xbox experience, you are going to want to make sure that you have a great payment option. One setback to Xbox.com is that they only take certain credit cards. If you don't use a credit card, you have to buy point and game credit cards at your local store. Believe it or not, there is a much better option. You can purchase an Xbox live code.

Your Xbox live gold will give you gold status. This means that you will have access to hundreds of games. With your Xbox live online code, you will also be able to access thousands of movies through Netflix. This means that you will have a great online media resource. Instead of going from website to website in order to get the entertainment you want, you will be able to get all forms of entertainment in one place. You will also be able to download songs. When it comes to optimizing your game playing, you will be able to get plenty of game add-ons with your gold card status.

The Xbox live code online is also incredibly convenient. You will find that when you buy Xbox live gold cards online, you are able to get the access you need within minutes. As a matter of fact, the good people at PC Game Supply guarantee that you will be able to get your code delivered to your email within 30 minutes. This is faster than what any other service promises. All you have to do is enter the basic payment information. You can pay with a credit card or with PayPal. You then have to wait to receive a confirmation phone call. Next, you simply wait to have your code delivered online. There is no hassle.

If you are worried about security when you order your Xbox live code online, you will be happy to know that PC Game Supply uses the most secure infrastructure on the market. This means that there are no worries about your personal or payment information being intercepted. This is a safe and convenient way to enjoy all that Xbox has to offer.

Sunday, August 5, 2012

The Ins and Outs of Real Estate Foreclosures

It definitely takes some hard work and patience to go through the process of buying real estate foreclosures. But the good bargains are truly out there if you can spare the time to look for them. You can also get a lot of help from a broker who can spot great bargains for you.

How to Look

Spotting the right property where the seller is willing to negotiate is your next step. Find out how long the real estate foreclosures have been on the market. The longer they have been there, the more likely your seller will be willing to bring down their price tag. If you find that the price has recently been reduced then you know that there is a chance you can still bring it down in the not so far future.

This information is public information and would be available at the office of the county assessor. But why even go there when you can get it online through a real estate foreclosures listing service. For a small investment, you can enjoy a slew of tools and services that can speed up your search for a property.

Let Your Fingers Do the Walking

An online subscription service for real estate foreclosures has information on all types of homes in all locations across the country. Going through their databases, you want to look at fixer-uppers or handyman specials first because these are the ones where you can get a good price for. The trade off of course is that you will need some repairs to get the home in shape. If you are doing this for the first time, it may be prudent to seek the help of an expert, a realtor whose speciality is foreclosures. They can help you find the right property, negotiate for a good price and fix all the paper work to make sure there are no hidden obligations attached to the property.

Bear in mind that the value of real estate foreclosures will depend on the amount still owed to the lender, and you will foot the bill for all liens or unpaid taxes due on the home so be sure that you make a thorough inspection and conduct your title research to ensure that you know your financial exposure.

Thursday, August 2, 2012

From Bookkeepers To Cfo's: Small Business Progression & Growth

Eventually a small business owner must face the fact that they can no longer handle every aspect of their business. This inevitability means that they will have to begin hiring employees and building up teams that can help them maintain and grow their business. This point in time usually arrives quickly for business owners who handle all of their business accounting themselves. Unlike some other teams however, an accounting team should be made up of only the very best and most qualified professionals. Business owners need to ensure they hire only the highest quality people for their accounting team because an accounting team can make or break a business.

With a good team of accounting professionals in place a business owner can make good and informed decisions that will help them maximize profitability, handle cash flow, and provide competitive benchmarks. Most small business owners initially want to hire an accountant or accounting team simply because they no longer want to deal with things like payroll or don't want to keep track of the ever growing and larger numbers within the company. Once a team has been put together however business owners quickly realize how much they were missing, didn't know about, didn't understand, and weren't doing.

Not every small business operates on the same budget so it only makes sense that different companies will need to hire different types of accounting professionals. The smallest and newest companies will most likely want to start with a bookkeeper. A bookkeeper will help keep good financial records, handle all transactions, and produce financial statements. An experienced bookkeeper should be able to keep all financial aspect of a business in order for a long time, long enough for a business to hire an accountant.

When a business reaches the point where it becomes necessary to hire employees, it's time to hire an accountant. An accountant handles much more than simple bookkeeping and can help with things like complicated payroll issues, the changing of a business' structure/ownership, bank loans, and complex billing issues. Unfortunately successful businesses will eventually outgrow the need for an accountant and will then need to hire a controller.

Once a small business becomes a mid or large sized business, business owners must seriously consider hiring a CFO to handle and oversee all financial aspects of a business. Fortunately many CFO's can be hired on a per project basis and on a part time basis in addition to full time making their services more affordable and accessible to all businesses. A CFO will be needed when a company begins to consider expansion as they can provide specific strategies for making a complex business stage a success.

Whatever a small business might need in terms of financial assistance, it's important to remember that at some point all businesses will need it. Some businesses will hire an all in one type of bookkeeper or accountant while others will assemble a team. It's important to remember however that in order for a small business to succeed and grow their owners must eventually hire someone to handle their finances.

Wednesday, August 1, 2012

Setting Up A Successful Wholesale Girl Clothing Home-based Business

Moreover, in case you are interested in opening your clothes store, you'll compromise obtaining precise monthly profits and you'll have to work on your own all the time because you won't have a group to finish some other jobs or works for you.

At first, performing things by yourself will be quite difficult nevertheless, you will surely get the hang of placing your order, keeping inventory, internet selling and even bookkeeping. Among the most essential things to improve is your internet site. It should be easy to browse through, need to have a great deal of information regarding your items and it should look good to keep your objective clients stuck in your website. It will likewise help a lot in case you pick products that people will find very useful for every season just like swimsuits throughout summer, coats during winter, floral dresses during springtime, etc. This is certainly an essential aspect of selling wholesale girl clothing. You should anticipate the fashion for each time period and items that will most definitely sell and those that will not so you can avoid acquiring them.

If you are a wholesaler / retailer, several prospects will likely be sellers. Numerous small retailers are cash-strapped and a few would certainly even ask you to supply them on credit. Be very careful on giving out your products without a well-defined agreement that you'll be paid together with interests and also penalties for defaulting. Additionally, protect yourself and don't present credit to first-time customers, even though they assure to buy your whole inventory.

Settlement options must also be regarded and you have to provide your customers with various ways to pay money for your goods. Some would choose paying out using their bank cards nevertheless installing a POS unit and applying it through IRS is very difficult and strict. A great way would be to provide Paypal or Moneybookers payments. You need to also give them the choice to pay via bank deposits and should have various accounts if you wish it to be easy for the clients. This is certainly a great way of moving ahead and doing something extra for the clients.

A wholesale girl clothing business even offers to look reputable. It's going to be best if you could register your small business as well as provide bills and invoices so that potential clients will take you seriously. Furthermore, if you are going to keep stocks of what you should sell, pick only quick-moving versions even if it means having only some types to sell. And lastly, take a look for a reputable logistics company that you can work together with and can provide you with reduced prices for solely giving out or perhaps supplying your products through them. This will save you plenty of money that could be spent in buying more supplies.