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The recent debate over immigration policy commonly depicts immigrants as undocumented, uneducated people who flood our borders without inspection. Although many immigrants who enter this country are unskilled laborers who provide essential services in many sectors of our economy, of equal importance to the immigration debate are the highly educated foreign professionals whose skills play a vital role in the enrichment of our economy. The U.S. economy has shifted significantly over the past 50 years. We are no longer the blue collar nation that we once were. The transformation from a manufacturing to a knowledge-based economy has created a growing…

What is the Difference Between a Power Of Attorney and a Guardianship? Which is Appropriate for Someone With Alzheimer’s? A power of attorney is a legal document in which one person (the principal) authorizes another (the agent) to act on his/her behalf. Financial powers of attorney allow your agent to make decisions regarding your property. Healthcare powers of attorney allow your agent to make decisions regarding your health care needs. A power of attorney permits you to appoint someone else to manage your financial and business affairs when you cannot do it yourself anymore. This document can be a lifesaver…

The Process of Due Diligence A business which wants to attract foreign investments must present a business plan. But a business plan is the equivalent of a visit card. The introduction is very important – but, once the foreign investor has expressed interest, a second, more serious, more onerous and more tedious process commences: Due Diligence. “Due Diligence” is a legal term (borrowed from the securities industry). It means, essentially, to make sure that all the facts regarding the firm are available and have been independently verified. In some respects, it is very similar to an audit. All the documents…

The Psychology Of Stacking Your desk may reveal more to your co-workers and boss than you may think. In fact, a recent survey conducted on behalf of a desktop solutions line suggests there are three distinct organizational types in the typical office-“pilers,” “filers” and “tossers.” Chances are, the person who has heaps of piles on the desk sits next to you, the obsessive filer sits across from you and the person who throws everything away is down the hall. “The fact that you can never find anything on a co-worker’s desk when you need it seems to suggest that everyone…

Social Security Disability Claim Whenever we hear of the phrase “social security”, the words benefits or claim is always attached to it. Almost everyone is thinking about what they can get from social security benefits. But before anything else, we have to remember there are certain qualifications to be able to avail the social security claim. So the question now is who can really avail of the said claim? It is said that social security disability is available to anyone who suffers mental or physical disability as long as the claimant have worked for a certain number of years and…

How To Buy Your Favorite Music Online Legally For Just Pennies As you no doubt have heard, the music industry has undergone major changes during the past decade. Nowhere has the progress of technology brought more change than to the recording business. In the 90s, music was overwhelmingly distributed on CDs. In the 80s, everyone bought cassettes. In the 70s, the venerable LP record was still in wide use. Good memories aside, those forms of music distribution were expensive, both for the record company AND for the consumer. The average hit LP cost several dollars to produce and sold for…

The Estate Planning Process (NC) – How do I begin? Start by making a list of those you wish to remember in your Will. You will want to provide for your dependants first, but here is your chance to be creative. You can give a meaningful item to a favourite relative, honour a friend or arrange gifts to organizations and charities that you believe in and support. Prepare a list of the names and addresses of all the people that you’d like to include in your Will. File this list in your Important Document File. Accuracy in naming the individuals…

Not a lot of people have what it takes to fight a foreclosure battle Some people make a distinct life out of fighting. Having had to fight for everything that they have, they will not hesitate to fight even a foreclosure to a standstill. I think if you are in one of those situations, you ought to move a bit closer to folks like that. They might just help.|When foreclosure knocks, you don’t have to panic. There a provisions in the law that allow you to keep what they are planning to take from you, even though you don’t know…

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Criticism Of Insurance Insurance policies work by taking premiums from customers in exchange for baring the risk of certain costly events occurring. For example, if there is one fire in your town each month, everyone could just sit tight and hope their house doesn’t burn down next, or everyone could pitch in and pay an insurance premium each month and this is then used to rebuild the house that burns down. Very simply this is how insurance works. It is a method of spreading a risk over a far wider area, so that it will not be as devastating as…