Liking Beer Runs in My Family

There’s nothing like bonding with your dad over a beer. In my family, it almost seemed like the day I became a man. Everyone in my family enjoys a good brew; even my dog jumps at the opportunity to clean up a “fallen soldier.”

Over the years, I’ve developed a real taste for craft beer. I prefer hoppy flavors, like IPAs and Pale Ales, but I’ll drink just about anything. The fresh piney flavor is like a blast of green nature and reminds me of being in the forest.

Some beers are supposed to be served at room temperature, but I say no thank you. Ice cold, every time. Boom baby. A cold beer is seriously one of life’s greatest treasures. Just got off work? Cold beer. Finished mowing the lawn? Time for a cold beer. Small project around the house? Cold beer. Playing some disc golf? Beer me. I honestly can’t think of an activity that isn’t better without a beer around.

When my dad and I go fishing, we always pack the cooler to the brim and stick it on the boat. Can you guess what’s in the cooler? You got it! Ice and beer baby (with a couple of water bottles for later). There’s no sitting on the cooler neither. It needs to remain accessible at a moment’s notice. Being on the still water and casting a lure is a great way to spend the day, and a cold beer ensures the event is as relaxing as possible. This year I got him his own Growler Chill that keeps beer cold and gets served out of a tap. He loves it!

Beer drinking is a bit of a family tradition, and my great-grandmother (my father’s grandma on his father’s side), use to always say, “I need a beer. I need a beer. I need a beer. That’s three beers I need.” Gah, she was a hoot. She sang on the San Antonio radio when she was a young adult, and back then the airwaves were live. I never got to hear her sing, but I’m told she would have a couple of drinks and start wailing. I like to sing too, go figure.

Great-grandma was a wild lady, but always in a good mood and cracking jokes. She lived to be 96 and drank beer every day into her old age. I wouldn’t recommend that to most people, but hey, it worked for her.

I remember the first beer I had with my dad. We were camping in Colorado, and he handed me a local ale that we had picked up in town. The stars were out, and at 8,000 feet, it felt like we could see every star in the universe. We sat in silence, watching the sky, and my taste buds lit up. I have no idea what that beer was called, but it was delicious.

I’ve been back to Colorado a couple of times, but I’ve never found that beer.

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How Long-Term Disability Is Determined by Physicians and Employers

If you have a long-term disability (LTD) policy through your employer or you have purchased an individual one on your own, you may need it if you ever have a long-term disability. This disability may allow you to continue to receive most of your salary in the event you cannot work.  However, the LTD claim process can be lengthy and time-consuming. Before you can get approved for LTD benefits, you will have to prove, with medical evidence, that you meet your insurance policy’s definition of disability. Your employer may also have certain requirements in the policy about waiting periods, premiums, and a minimum number of hours worked that you need to consider when applying for the LTD benefits.

If you are considering applying for long-term disability benefits, it is important to consult the summary plan description in your long-term disability policy. Typically, you will be found ‘totally disabled’ if you are unable, due to injury or illness, to substantially perform the duties of your job. If your policy provides for ‘partial disability,’ you may qualify for these benefits if you can no longer work full-time at your own job, even if you can work full-time or part-time at another job.

The most important factor in proving your long-term disability is the medical opinion of your treating physician. You will need to communicate with your physician on an ongoing basis regarding your symptoms and your medical complaints. In the process of applying for LTD benefits, your physician will be asked to complete a form or written statement regarding his or her opinion of your condition. This physician’s opinion is important, and his medical opinion may determine your case results. However, the claims administrator will also want objective proof of your disability. He or she will want any medical records related to your disability, including relevant clinic notes, lab results, x-rays, MRIs, surgical reports or other exam findings. Additionally, to prove that your disability is ongoing, you need to continue to receive treatment from your physician while your LTD claim is pending, even after being approved for the LTD benefits. If you fail to continue treatment, this may be grounds for the insurance company to cease your benefits.

There are other requirements for receiving LTD benefits. If you don’t pay your LTD benefit premiums timely, this will cause your insurance to lapse. Also, most employer-sponsored LTD plans require that you are a full-time employee at the time you become disabled. Most employers define ‘full-time’ as working at least 30 or 35 hours a week, but it is best to check with your LTD policy. There also can be waiting periods on LTD eligibility requirements. Most LTD policies have an ‘elimination period,’ or waiting period, between the time your disability occurs and when you can begin receiving benefits. Also, there may be pre-existing condition exclusions in your policy, and you may not be paid for benefits for any long-term disability that comes from that pre-existing condition for the first twelve months of your LTD coverage.   It is also important to check if your illness or injury is covered by your LTD policy, and that your policy does not have exclusions for certain diseases or workplace accidents.

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Man’s Best Bite

Dogs have been known as man’s best friend for centuries. Our noble canine companions have aided humans throughout time. Dog’s possess extraordinary senses and can be used by humans to scout the land, herd other animals, or for protection. Over time dogs have been domesticated as our companions and as a result, countless different breeds have spawned. This unnatural interference in the development of a species has resulted in certain breeds being more aggressive over time.

Although these creatures hold a place in our hearts, it is easy to be blindsided by their true animalistic nature.

While most people equate a dog’s presence to warmth and happiness, there are others who would advocate that certain breeds are unsafe in various environments. The negative cloud surrounding pit bulls and rottweilers is not out of spite, but unfortunately, there is a plethora of data that would suggest these dogs can indeed become viscous. According to the CDC, there are more than 368,000 emergency room visits each year that dealt with treatment for dog-bites and injuries that occurred during the attack. Factors that increase the likelihood of these attacks include, but are not limited to, the environment the dog was raised in, the long term treatment of the animal, and unnecessary provocation towards the dog. In scenarios where a dog has claimed a victim the owner is always fully responsible for the damages incurred by the victim, whether or not the dog was previously thought to be violent. In these cases, the victim of the attack would be able to pursue charges against the owner in a court of law. Unsurprisingly dog bites are extremely common in the United States. The CDC also released that nearly 4.5 million serious dog bites occur every year in our country. This number is equivalent to 1 in 72 Americans being seriously bitten and injured by the canine species. While these statistics are fairly concrete, and many cities do enforce certain regulations for particular breeds, it seems most cases of serious bites are due to negligence from the pet’s owner. Children, as well as many adults, have been very seriously injured and suffered long term deformities due to these accidents. Adoption centers and pet rescue havens are great places of education for people seriously considering owning more aggressive dog breeds. This information and typically behavioral classes should always be utilized if available to the owner. Not only does this training provide the owner with an ease of mind, but could potentially prevent any injuries being caused by the dog.

In summary, our tail-wagging friends will obviously remain a part of our culture as domesticated extensions of our family unit, and it is the duty of pet owners across the nation to properly care for these animals. It is man’s responsibility to care for these animals in a way that is loving and responsible so that the animal becomes trained to respond in similar manners. Proper care and gentility among these creatures can save the lives of potential bite victims.

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Advantages of Having Good Air Quality in the Workplace

It should be an obvious fact that good air quality in the workplace is advantageous, but when you look around and see overly humid office spaces and dusty manufacturing plants, you may think that it is not so obvious.

Air quality is one of the most overlooked factors in the workplace, and it shouldn’t be, because it is much more beneficial that you realize.

Ensuring Health

What makes air quality bad? Maybe the air conditioning systems are inadequate. Maybe the design of the workplace prevents good air circulation. Maybe the ventilation systems do not filter out pollutants. There are infinite ways bad air quality can manifest, and this can have negative effects on the health of employees.

Biological contaminants, dusts, and other particles are known to cause eye and skin irritations, lung problems, and even certain kinds of cancer. Having good air quality in the workplace immediately reduces the health risks.

Sustaining Operations

According to the website of RoboVent, sustainability is one of the biggest advantages of good air quality, in the sense that cleaner air leads to more efficient workplace operations. When you look at this statement deeply, it does make sense. The reduced health risk to employees also coincides with reduced sick leaves and turnovers that may result from illnesses, not to mention that healthier workers are likely to be more physically and mentally competent.

Good air quality can also influence the efficiency of equipment, like how dust buildup can make an equipment malfunction, or worse, break.

Impressing Clients

Good air quality does not just result into clean air, as it may also result into a cleaner work environment overall. Bad air quality can lead to dirt buildup, like how biological contaminants like spores are likely to develop because of inadequate workplace humidity.

A clean workplace is important not just for worker and equipment efficiency, as it is as important for your business’s attractiveness. It cannot be denied that a clean workplace will be impressive for potential clients visiting it, because it is a way of showing that you can manage operations well.

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Why Speeding is Fatal

Drivers speed because of a variety of reasons. Maybe they are in an emergency where time is of the essence. Worse, maybe they are just doing it for the thrill. Whatever the reason behind it is, these drivers have one thing in common – they believe that nothing bad is going to happen to them.

This is a reckless mindset, not only for themselves, but also for the others around them. According to the website of the Law Offices of Ronald J. Resmini, LTD., excessive speed is a factor in about a third of all highway accidents. That is a big proportion, considering that there are numerous ways on how a car may be involved in an accident.

Greater collision force

But why is speeding so dangerous? One of the most obvious reasons is basic physics. The faster an object moves, the greater the force will be if it becomes involved in a crash or a collision. Vehicles are not exempted from this truth.

The force may be strong enough for victims to sustain severe traumatic injuries, particularly in the head, neck, spine, and chest. The unluckiest of victims may even die.

Less control of the vehicle

These greater collision forces can be avoided if the drivers can control their vehicles. But the problem is that this control is compromised whenever they are speeding. This is especially problematic for the tires. When the vehicles are in excessive speed, their tires have less traction on the road, making the vehicles lose control, swerve into the opposite lane, veer off the road, or even overturn.

These accidents may come into the form of head-on collisions, rear-end collisions, and rollovers – all of which can cause severe injuries and even death.

Less time to react

Those who are traveling at excessive speeds have less time to react to stimulus. For example, the speed may not allow them to read road signs, understand traffic lights, judge the position of other vehicles around them, and react to unexpected events that may happen before them.

The website of Mazin & Associates, PC mentions that those who have been hurt because of careless or reckless drivers may have legal options, such as getting compensation for the damages they have sustained. Even though there are legal deterrents for speeding, drivers still do it, so it continues to be a potentially fatal hazard for all of us.

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The Positive Impact of Cycling and How to Keep Yourself Safe

Bicycling is a great alternative to traditional, carbon-based transportation methods. As indicated by The Guardian,  transportation emissions could be cut by more than 25% if each country raised its cycling rate to that of Denmark. It can considerably reduce an individual’s carbon footprint by replacing a previous mode of transportation that relies on the burning of fossil fuels with one that works from human energy and produces no toxic emissions, save the one-time manufacturing emissions produced in the making of the bicycle itself. The degree of reduction of a certain individual’s footprint is dependent on how heavily their previous mode contributed to global emissions. For example, if someone usually takes the bus everyday before switching to cycling, their carbon reduction would be less than someone who usually drives their own car everyday. Regardless, a move from any carbon-based mode to a non-carbon based mode will result in a reduction of emissions and positively impact the planet, however small the degree.

When switching to cycling, however, there are certain things to keep in mind, the most important of which is safety. Cyclists are at higher risk of sustaining a life-threatening injury in the case of an accident as opposed to other motorized vehicles. According to Russo, Russo, and Slania P.C., serious injuries associated with bicycle accidents include broken bones, head and neck injuries, spinal injuries, and even death. Evidently, starting to bike to work instead of driving does not mean you will be involved in an accident or sustain injuries as the result of one, but because bicycles offer less protection than cars, it is imperative to take certain precautions for your safety. Proper head gear, learning how to signal your turns, and putting reflectors on you bicycle will all help reduce your risk of injury. Given some of the potential risks, cycling may seem intimidating at first, but the environmental and personal health benefits make it not only a fun alternative to driving to work, but one that makes a positive and lasting impact on the planet.

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Why Chapter 13 Bankruptcy may be Right for You

Chapter 13 of the US Bankruptcy code, also known as Wage-earner’s Plan, Repayment Plan, or Debt Adjustment, is a reorganization or restructuring type of bankruptcy. This specific bankruptcy chapter allows a debtor to propose a three-year payment plan through which he/she intends to settle all of his/her debts (with the permission of the court, this plan can be extended up to five years).

The restructured payment scheme is intended to make debt payments more affordable for debtors; this method also no longer requires a debtor to surrender any of his/her assets and properties for selling. For those who run a business, specifically sole proprietors, they can continue operations and earn profits, which they can also use to pay off their debts.
Although Chapter 7 bankruptcy is the most common type of bankruptcy filed by individuals seeking debt forgiveness, debtors do have other options, such as Chapter 13 bankruptcy. This chapter of bankruptcy has a number of advantages that Chapter 7 bankruptcy cannot provide and is a great option for debtors who have the means to pay back his or her debts over time, but simply need some assistance.

Debtors, who voluntarily file Chapter 13 bankruptcy, are protected by what is called the “automatic stay,” a court order which will stop creditors and collectors from making any attempt to ask debtors for payment. This means cessation of all phone calls, emails, text messages, letters, lawsuits, attempts to foreclose or repossess any of a debtor’s assets and properties, as well as prohibition from petitioning the court to levy the debtor’s bank account or have a part or all of his/her wages garnished.

Besides the automatic stay, chapter 13 bankruptcy has other benefits, including the possible reduction of the amount of loan (from the value of the principal loan down to the market value of the loan collateral). Among those considered as dischargeable debts are penalties and fines payable to the government (except criminal fines); retirement account loans; debts that were denied discharge during a prior filing of bankruptcy; debts resulting from divorce or separation proceedings; debts incurred due to payment of non-dischargeable tax obligations (such as the debts acquired from the use of credit card in paying taxes); debts resulting from the willful and malicious damaging of someone else’s property (this does not include personal injury cases); and condominium or homeowners association (HOA) dues (these dues, however, have a lien on the debtor’s property. This means that, despite the discharge, the debtor can still lose his/her property; thus, it is imperative that these dues be paid continuously).

As explained by Raleigh bankruptcy attorneys of the Bradford Law Offices, although Chapter 7 bankruptcy is the most common type of bankruptcy filed by individuals seeking debt forgiveness, debtors do have other options, such as Chapter 13 bankruptcy. This chapter of bankruptcy has a number of advantages that Chapter 7 bankruptcy cannot provide and is a great option for debtors who have the means to pay back his or her debts over time, but simply need some assistance.

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Facts About Fentanyl You Need To Remember

Fentanyl is a potent synthetic opioid analgesic similar to morphine but is 50 to 100 times more deadly. It is a Schedule II prescription drug and is designed for treating patients suffering from severe pain or for managing pain after surgery. Fentayl is prescribed in various names such as Actiq, Duragesic, and Sublimaze. It is administered via injection, transdermal patch, or as lozenges. The drug works by binding to the opioid receptors of the body.

As of late, fentanyl as subsys sprays became the subject of a lawsuit for off-label prescriptions of its manufacturer. According to the website of Williams Kherkher, such practices can have lethal side effects on a patient. In this article, we shall understand some facts about fentanyl.

Subsys is associated with life-threatening breathing problems and eventually death.
Avoid using Subsys if you are not opioid tolerant. If you are no longer taking opioid pain medicine for cancer, stop using Subsys. Chances are you may no longer be opioid tolerant. Your healthcare provider may have other alternatives for treating your pain.

Follow the prescription procedure given by your healthcare provider
You must not take more than 2 doses for every episode of breakthrough cancer pain. Wait for four hours before treating a new episode of breakthrough pain.

Do not switch to another fentanyl containing medicine without consulting your doctor
The amount of dose in Subsys may not be similar in other medicines that have fentanyl. The starting dose in Subsys may be different in others.

Subsys is a federally controlled substance because it is a potent opioid pain medicine that is subject to misuse and abuse. Make sure to keep the drug out of reach of other people specially those who use opioid medicine or street drugs. Aside from that, selling or giving away of the drug is a violation of the law.

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Spousal Rape: A Criminal Offense in all U.S. States

Under the English common law, which is the source of many traditional laws in the U.S., it was not legally possible for a man to be accused of raping his wife. In support of this position, then jurist Sir Matthew Hale explained in 1736 how marriage implied permanent consent that could not be retracted.

The belief that a man could never be held guilty of raping his wife stood for centuries until in 1979, when legal attitudes about the concept changed due to a pair of separate cases. One of these cases, which may have been the first case that led to a spousal rape conviction, involved a bartender in Salem, Mass., who broke into the house that he used to share with his estranged wife and then forced himself on her. Since the incident involved invasion and sexual abuse while in the middle of a divorce, it was not hard to judge the case as one incidence of marital rape; regardless, this case was a precedent to so many other spousal rape convictions during the 1980s and the 1990s, and the major reason why today, spouses are no longer excluded in state criminal codes’ definition of “rape,” why saying “no” to one’s husband is no longer a ground for divorce, and why spousal rape is declared illegal in every state in the U.S.

According to a Nashville spousal rape lawyer, married individuals may be charged with spousal rape if they engage in sexual penetration that is unlawful because it is alleged that the defendant was armed with a weapon, caused serious bodily harm, or the couple has been separated and at least one partner has filed for either divorce or separate maintenance. A charge of spousal rape can be elevated to aggravated sexual assault if the defendant was particularly vile, cruel, or otherwise inhumane and either caused serious bodily harm or was armed with a weapon.

To be accused of a crime can change your life forever. A conviction is so much worse for, besides the penalties, it will also affect your future personal, community and professional life. You should realize, however, that an accusation simply means that you still have the time and any means accessible for a strong defense that will enable you to protect your rights and future and which may even help you earn a verdict of “not guilty.” Being defended by a highly-competent criminal defense lawyer, who knows what evidences to gather and how to gather these, may just be what you need in a case as serious as spousal rape.

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Bluetooth may Reduce Instances of Distracted Driving

Distracted driving has long been one of the leading causes of car accidents in the United States. Although technology has helped us in many ways, it has also become such as distraction that mobile phone use is accounted to about 25 percent of car accidents caused by distracted driving. This a very important fact, because just about every has mobile phones and use them without giving any serious thought to the effects that it might lead to. If the reason for a car accident is distracted driving, the website of Williams Kherkher says that it is legal grounds for a personal injury claim or car accident lawsuit, since distracted driving can fall under negligent or reckless behavior.

According to a recent study published in the Inquisitr website state that using a mobile phone while driving can cause the driver to go through a number of various types of distracted circumstances, such as cognitive, physical, and even emotional distraction. Natural distractions such as absent-mindedness may be risky, but not as dangerous because the brain goes into hyper-focus or “sixth sense” which kicks in and allows the driver to correct any changes in their driving. Using mobile phones, however, does not allow the hyper-focus to take over which could lead to car accidents.

The study used monitoring systems to keep tract of the actions and reactions of drivers while texting or using their mobile phones. It showed that those who used the phones were likely to drift to other lanes, have fidgety hands while on the wheel, and is proven to have the highest negative impact on distracted driving. The results showed the texting while driving is the most dangerous distraction and would only increase the chances of getting into a car accident. The researches advice that if using a mobile phone is really necessary while driving, then hands-free technology such as Bluetooth is a safer alternative than actually typing on your mobile phone.

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