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FLORIDA CAR INSURANCE:  WHY OUR CAR INSURANCE IS DIFFERENT AND WHAT COVERAGE YOU SHOULD HAVE IN FLORIDA By Marc A. Wites Florida is a peculiar state for car insurance. We are one of the few states in America with a no-fault auto insurance system.  This means that if you are in a car accident, your own automobile insurance covers your claims for lost wages and medical expenses, up to $10,000 (less applicable deductibles). This is known as Personal Injury Protection, or “PIP” for short. So, even if the other guy caused the crash, your own insurance pays first. Another thing that makes Florida unique is that it is one of the few states that requires only that drivers carry the no-fault coverage, PIP, and Property Damage coverage in the amount of $10,000.  If you find this odd, you are not alone.  $10,000 in PIP coverage, and $10,000 in Property Damage...

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Qué hace la Acción Ejecutiva sobre inmigración del Presidente Obama?

Qué hace la Acción Ejecutiva sobre inmigración del Presidente Obama? What Does Obama’s Executive Action On Immigration Do?  El Presidente Obama describe su acción ejecutiva como los “nuevos pasos para arreglar nuestro quebrantado sistema de inmigración”, pero qué hace extamente? Se estima que existen aproximadamente entre 11.5 a 12 millones de inmigrantes ilegales viviendo en los Estados Unidos y como el Presidente Obama lo señaló en su discurso, estas personas no pagan impuestos a los Estados Unidos y por lo tanto, no contribuyen a la economía. De hecho, tienen un efecto negative a la economía de los Estados Unidos debido a que aceptan sueldos por debajo del salario mínimo, lo cual genera competencia injusta en el mundo de los negocios y en muchas ocasiones lleva a organizaciones legítimas  a cerrar sus negocios. Como lo señaló el Presidente Obama, estos inmigrante ilegales están “obteniendo los beneficios de vivir en los Estados...

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Am I Eligible for Obamas Executive Action On Immigration? 

Am I Eligible for Obama’s Executive Action On Immigration?  The eligibility requirements for Obamas executive action are complicated and in many cases, will be considered on a case-by-case basis.  However, generally speaking, you WILL be eligible for Obama’s executive action if you: Entered the U.S. before the age of 16 and prior to January 1, 2010 (you may now be eligible under the Deferred Action for Childhood Arrivals (DACA) program) Are not a priority for removal (see bullet point one), have been in the U.S. for at least five years, have children who on the date of announcement (20th November 2014) are U.S. citizens or lawful permanent residents, and present no other factors that would make a grant of deferred action inappropriate. Note: You will be assessed for eligibility on a case-by-case basis and will have to pass background checks Are a spouse or child of a U.S. citizen or...

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Am I Disqualified for Obama’s Executive Action on Immigration?

Am I Disqualified for Obama’s Executive Action on Immigration?  The aim of Obama’s executive action is to help more undocumented migrants to come forward and start “playing by the rules” without fear of deportation or being forced apart from their families.  Because of this, many existing rules and programs have been extended to include a broader class of migrant.  The rules are complicated and many cases are judged on a case-by-case basis. Generally speaking though, you will be disqualified from the executive action if you:  Pose a threat to National Security, are a convicted felon, are a gang member, or are an illegal entrant that was apprehended at the border. You may also be disqualified if you have been convicted of a significant or multiple misdemeanor(s), or entered the U.S. unlawfully after January 1, 2014 and were not apprehended at the border Entered the U.S. illegally after the age of...

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What Does Obama’s Executive Action On Immigration Do?

What Does Obama’s Executive Action On Immigration Do?  President Obama describes his executive action as “new steps to fix our broken immigration system”, but what does it actually do?  It’s estimated that there are 11.5 – 12 million undocumented immigrants living in the U.S. and as President Obama noted in his speech, these people do not pay U.S. taxes and therefore, do not contribute to the economy. In fact, they actually have a negative affect of the U.S. economy as they often accept lower-than-average wages, which creates unfair competition in the business world and often drives legitimate organisations out of business.  As President Obama put it, these undocumented immigrants are “reaping the rewards of living in America (i.e. the fruitful economy), without taking on the responsibilities of living in America (i.e. paying tax)”.  The problem is that many of these millions of undocumented immigrants are too scared to come forward for fear of...

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People with small claims often never get their day in court, even if their case is a slam dunk. Imagine that you are overcharged for a good or service,  and the overcharge was only five dollars, or even $500.  Would you be willing to pay a lawyer $300 per hour to pursue your case?  Do you think a lawyer would take this case on a contingency fee? The obvious answer is no.  And, while a five dollar overcharge may not be meaningful to one person, when a big company overcharges tens of thousands of customers five dollars a month, it results in a huge windfall to the company.   This is not to say that all corporations are bad, and act with malicious intent.  But, when it happens, the only way to level the playing field, and give individuals with small damages their day in court, is through a class action...

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