- RT @MoneyMatters: Frugal teen buys house with 4-H winnings http://bit.ly/amVvkV #
- RT @MoneyNing: What You Need to Know About CSAs Before Joining: Getting the freshest produce available … http://bit.ly/dezbxu #
- RT @freefrombroke: Latest Money Hackers Carnival! http://bit.ly/davj5w #
- Geez. Kid just screamed like she'd been burned. She saw a woodtick. #
- "I can't sit on the couch. Ticks will come!" #
- RT @chrisguillebeau: U.S. Constitution: 4,543 words. Facebook's privacy policy: 5,830: http://nyti.ms/aphEW9 #
- RT @punchdebt: Why is it “okay” to be broke, but taboo to be rich? http://bit.ly/csJJaR #
- RT @ericabiz: New on erica.biz: How to Reach Executives at Large Corporations: Skip crappy "tech support"…read this: http://www.erica.biz/ #
Link Roundup
Wrestling season is finally over. Q1 is always such a busy time in my house. Now, spring has sprung and it’s time to start enjoying the weather.
On to the links.
Finance:
Here’s an intro guide to settling IRS debts.
Only someone who’s never had to deal with the full default process could think this was a good idea. The Department of Education outsources its collections for a reason. Eliminating private lenders will raise the students’ costs and eliminate options for troubled debtors. Yes, I worked in the industry for several years.
The Guide to Buying Glasses Online. I currently have 6 pairs of glasses that cost me a grand total of $150, with no loss in quality.
PenFed: Credit cards done right.
Not finance:
This is the coolest picture I’ve seen this year. Space pics for under $1000. NASA could take lessons, I think.
I miss the days when napping was possible.
38 Random Acts of Robyn. I’m thinking about incorporating this as a 30 day project.
Lawdog has a great idea to fix the problems with our legislature. It’s a beautiful Constitutional Amendment. If they have to play by the rules they set, the might start setting better rules.
“Only excepting such limited protection as offered by Article One, Section Six, Congress is hereby prohibited from exempting its Members from each, any, and all effects, duties or obligations rendered upon any citizen, or citizens, by any Law, Tax, or other action passed by Congress.”
George Zimmerman: The High Cost of a Legal Defense
Most people have heard of the controversial nature of the George Zimmerman murder trial. Zimmerman, who defends his actions and is claiming self-defense, is on trial for murdering Trayvon Martin, a 17-year old with a social media profile that projects anything but innocence. While his defense attorneys claim that race had nothing to do with the murder, the prosecution thinks differently. In fact, a majority believe that Trayvon Martin would still be alive today if he hadn’t attacked Zimmerman. Regardless of your stance on the case, there is no denying the fact that Zimmerman’s trial is building strong emotions from both sides.
In an effort to get a not guilty verdict, Zimmerman has hired a top-rated legal defense team to argue his case. Trials are expensive and the average person may not be able to afford a team willing to take a case for the fame. If you are charged for a crime, you have to consider the cost for legal defense. Here is what you need to know about how much you can expect to spend on a legal defense team.
Fixed Prices Versus Variable Prices
Not everyone has a group of supporters raising money to pay for their legal defense. Just because Zimmerman has bad credit does not mean that he had to leave his legal defense up to a public defender in Sanford. If you do not have a Legal Defense Fund where people can donate money to your defense costs online, you will need to distinguish between fixed prices and variable prices for legal defense. During your consultation, the defense attorney should be able to quote you a fixed price based on the case details. Experienced attorneys do not charge on a pay as you go basis because they are confident their abilities. The actual fixed price of the attorney depends on the case, and can range anywhere between a $1000 and hundreds of thousands of dollars. O’Mara and West, who are defending Zimmerman, have quoted $1 million for their services in total. While they have not be paid completely by the Zimmerman Defense Fund, this is money that is due to them.
The Cost For Expert Witnesses
Zimmerman’s team introduced several expert witnesses including an animator, a medical examiner, and a self defense expert. All of these witnesses are paid to testify, and the cost is not always included in the initial quote. If your case is complex, there may be a need for an expert witness. When you are pricing the cost of defense, see if this is included. Assume that you will spend about 10% more than quoted so that you can cover all of the outside costs.
Zimmerman may have been unemployed and working as a volunteer neighborhood watch member, but he does have one of the most experienced legal defense teams working for him to get a not guilty verdict. You may not need a million dollars, but legal defense is not cheap. Keep in mind that you get what you pay for when legal defense is concerned.
Insurance
If you must use lethal force, you should be prepared to spend tens of thousands of dollars defending yourself. It’s worth looking into self-defense insurance. The USCCA is the only such company that offers up-front expenses and is willing to cover bail.
Related articles
Diana Nyad: Never Give Up
Diana Nyad, a 64-year-old endurance swimmer, became the first person to swim the 110 mile distance from Cuba to Key West Florida. Certainly, the environmental factors were in her favor as the sea life did not bother her,
the currents stayed friendly, and no storms approached. She swam for over fifty-two hours straight before reaching the coast of Florida.
After her long, treacherous journey across the ocean, her words of advice to others were “I have three messages. One is we should never, ever give up. Two is you never are too old to chase your dreams. Three is it looks like a solitary sport, but it takes a team.” Surely, just as a physical sport requires will-power and endurance not to “throw in the towel” or give up, life also requires this same type of endurance.
We are all running an endurance race of life in which we must preserver when trials arise. In order to succeed in this, we must never look back at past failures, but rather press forward to the reward. Just as people running a foot face are running with intense focus on the goal (to cross the finish line and win the metal), people with purpose are also running this race of life, in which they are looking forward to a reward beyond our human comprehension.
In addition, just as Diana Nyad said that one is never too old to chase his or her dreams, a person should never look at age as a determinant of wisdom or faith in life. This is undoubtedly true in regards to children and their innocent, child-like faith that is unpolluted by experience and unspotted by the knowledge of the evilness that exists all around us in this world.
On the other hand, the older people should not possess a mind-set that limits their ability to stay active in life. As soon as a person determines in his or her head or listens to outside voices telling him or her that he or she cannot do something because of advanced age, he or she has a tendency to live out these thoughts and these thoughts create feelings of defeat. Ultimately, people should keep a child-like faith with an optimistic, determined thought pattern in life. This will surely create better overall mental health and therefore more productivity.
Just as Diana Nyad pointed out that her endurance swim could not have been successfully accomplished without a team, people need positive fellowship in life. When a person is discouraged, having somebody to embrace him or her in a hug and simply offer words of encouragement can greatly leave a positive impact on the soul. When one person is strong in an area, the next person is possibly weak in that same area. We are all unique and have different strengths that we can bring to the community. If everybody shared their time and gifts with their neighbor, this life would be much simpler.
Unfortunately, many “sharks” exist amongst people that are looking for somebody to gnash with their teeth, torture, and devour. It is often said that a shark can “smell fear” and thus responds in a negative matter to fear. Diana Nyad did not focus on the sharks, therefore did not display fear nor was she approached by any dangerous predators. Instead, she focused on the shore, not looking to her right or left. In life, if we do not pay the “sharks” any attention, they will most likely not notice or approach us.
We can learn much from Diana Nyad’s example of her “Never Give Up” endurance swim.
Olivia Wilde is Having a Baby: What are the first-month expenses?
Olivia Wilde recently announced her pregnancy with fiance Jason Sudeikis as she’s due with her first child in the coming year. Although the couple have declined to reveal their due date, they likely are expecting to set aside a budget for their baby, even with their high incomes. With forty percent of moms saying that having a baby is more expensive than they initially assumed, it’s important to look at the overall costs in the first month for plenty of preparation and financial planning.
Food
The first-month’s expenses can slightly range, depending on if the mother is using formula to feed the baby or is breastfeeding.
Breastfeeding is free and will not cost a dime, besides the breastfeeding supplies that cost an average of $15 in the first month due to nursing pads and milk storage bags for freezing.
Name-brand formula can be expensive, an average cost of $25 a week as the baby will be feeding on it several times a day, totaling about $100 in the first month. Generic brands of formula cost half the amount, an average of $12 a week.
Medical
Health insurance is one of the most expensive costs for newborn babies with 39 percent of mothers paying $1,000 with their childbirth. Some even pay at least $5,000. Health insurance will also likely increase to $200 a month for the child with co-pays that range from $30 to $100 per visit. Some health insurance will refuse to cover certain costs, which include vaccines and immunizations.
Daycare
Paid maternity leave is considered a luxury in the U.S. and is often unavailable for mothers who are self-employeed or do freelance work, making daycare a necessity. Daycare for newborns averages to $100 a month, but can be at least $1,000 for celebrities that use an in-home nanny.
General Care
Wipes will cost an average of $13 in the first month with a $5 increase in the water bill for the baby’s laundry and baths.
Diapers are one of the scariest expenses that are priced at $80 for basic Pamper diapers for newborns. Using cloth diapers are a one-time expense, so if provided by a friend or relative at a baby shower, they are free to use consistently and do not require much water or detergent to wash every other day.
Bath soap, detergent, and baby-safe shampoo will cost $30 a month to maintain the hygiene of your baby.
Although Olivia Wilde’s baby will be unique in its feeding habits and the materials for diapers used, the average cost in the first month will likely total $200 and can go as high as $4,000 for a celebrity. Many of the costs simply depend on the baby and are determined by the type of diapers used, the amount of doctor visits, daycare that may be needed, and whether the baby prefers breastfeeding or feeding on formula.
Related articles
Michael Gergenti: Paying for Paternity
Model Michael Girgenti, filed paperwork in Los Angeles County Superior Court alleging that he is the father of Kourtney Kardashian’s son, Mason Disick. According to Kardashian’s lawyer, the three-year old boy is the son of
her boyfriend, Scott Disick, who also fathered her daughter, 13-month old Penelope. Girgenti is requesting DNA testing of Kardashian, Disick and the child, and if it is determined Mason is his son, he is demanding joint custody.
Photo Shoot Meeting
According to the lawsuit, Girgenti met Kardashian during a 2009 photo shoot, where they began a texting relationship. Girgenti claims that Kardashian told him that she and Disick were separated. A report in US Weekly states in a bio of Scott Disick that he and Kardashian split up in February 2009 after two years because of rumours he was cheating. The court documents state that in March 2009 Kardashian and Girgenti had unprotected sex, which is nine months prior to the birth of Mason, who was born in December 2009. Kardashian announced her pregnancy in August 2009, claiming that Disick was the father of the baby.
Kardashian Denial
Lawyers for Kardashian claim that Girgenti’s accusations are “preposterous and an outrageous lie.” Kardashian attorney, Tod Wilson, told E! News that Girgenti has been “selling false and fabricated stories to the tabloids for years about Kourtney Kardashian and her son, Mason. “ Wilson also claims that Girgenti has been seeking payment to publish the court pleading, indicating that Girgenti was more interested in payment for reports of his alleged paternity than actually proving that he was Mason’s father. However, the suit filed in court indicates that Girgenti is seriously seeking proof of the child’s paternity.
Girgenti Claims Resemblance
Court documents also claim that Girgenti tried to reach Kardashian after she announced her pregnancy in August 2009, but she did not return his calls. He claimed he began to consider that he was Mason’s father when he saw photos of the child, stating that the boy resembled him more than he did Scott Disick. Girgenti also stated that Mason looks nothing like his younger sister, Penelope, who is Disick’s child. Months prior to filing the lawsuit, Girgenti wrote to Kardashian, requesting a DNA test, claiming that if there was no response, he would pursue legal action to determine Mason’s paternity. In the letter, Girgenti claimed that his intentions were not to “hurt the family you’ve created,” but that “Mason deserves to know the truth.”
A Los Angeles County judge has set a hearing for the case in late August. At the hearing, the judge could dismiss the case or order DNA tests for Girgenti, Kardashian, Disick and the child. In California, unmarried fathers do not have legal rights or responsibilities until legal paternity is established, and naming a father on a birth certificate may not legally establish who a child’s father is. Since Disick and Kardashian were not married at the time of Mason’s birth, Girgenti may have the legal right to demand a DNA test.
