5 Things You Can Do to Increase Social Security Success

Now is the time to think about your future and plan how you can get there. Today we’re going to show you five steps that can help you create the most Social Security success as possible. Planning your future may seem overwhelming at first, but the following are five easy tasks that you can do:

Step 1: Get to know your Social Security — You’re going to be working side by side with Social Security for the entirety of your life, and there is an incredible amount of information you’re probably missing regarding benefits and services from the SSA. Social Security provides financial aid to millions of children and adults before they retire; this includes those suffering from chronic illness, children of deceased parents, and wounded veterans.

Step 2: Verify your earnings — How much benefit you receive is determined by a calculation involving your earnings record. You can sign into your my Social Security account to make sure that your earnings record accurately reflects your actual earnings.

Step 3: Estimate your benefits — You can estimate your future retirement or disability benefits by using the SSA’s Retirement Estimator which uses your actual earnings record in its calculation.

Step 4: Apply for benefits — You can apply for retirement, Medicare, or disability benefits online through the SSA’s simple yet secure online application that is easy to navigate.

Step 5: Manage your benefits — Social Security puts you in control by providing convenient and secure services that meet your needs. Verify your payment information, change your address or phone number, get a benefit verification letter, and even start or change direct deposit of your benefits.

Visit www.socialsecurityofficesnearme.com to locate the Social Security office nearest your location.

Handling a Reckless Driving Charge in Virginia

In the state of Virginia, reckless driving is a ticket generally issued when you speed by going either 20 miles over the posted speed limit or go faster than 80 miles per hour regardless of the posted limit. Even if you aren’t speeding, if you are driving in a manner that a police officer judges to be a danger to other people’s lives or property, you can still be issued a reckless driving citation.

Since drivers are generally handed a ticket rather than arrested for reckless driving, many underestimate the seriousness of the charge, believing it to be a simple moving infraction. In Virginia, however, reckless driving is actually a misdemeanor offense, which means that being found guilty will result in a criminal record. In addition to a criminal record which stays with you for life, a reckless driving misdemeanor can also mean points on your license, possible license suspension, a penalty of up to $2,500, and up to a year in jail.

With consequences this serious on the line, it is critical that you not try to handle a reckless driving case on your own. Finding a Virginia attorney who specializes in reckless driving cases is the best thing you can do to protect yourself and your future from the severe effects of being found guilty of reckless driving.

Many people fear the cost of hiring an attorney or don’t think they have the time to find one, but given the penalties you could receive for a misdemeanor conviction, having an attorney on your side saves you both time and money in the long run. Additionally, the peace of mind provided by having an experienced attorney handling your case significantly reduces the stress of dealing with the court system and will help you secure a better outcome than trying to navigate legal arguments alone.

Because reckless driving in Virginia constitutes a criminal act, it is very important to find an attorney to work with you on dealing with the charge. What might at first seem like a simple traffic ticket can quickly become a life-changing event that will never go away? If you’ve received a reckless driving ticket, don’t wait for the situation to become worse!

Contact a reckless driving Virginia attorney who specializes in handling reckless driving cases immediately to get experienced and knowledgeable help on your best options for minimizing the severe consequences of a reckless driving charge.

What You Need To Know: Starting a Garden in Washington State

When you want to have a flower, herb or vegetable garden in Camas, Wash., it is important to plan ahead. Here are a few tips from knowledgeable gardeners who understand valuable landscaping and gardening techniques. 

Tip 1: Read Books and Watch Videos 

Check your local public library for books and videos about gardening. Take notes so that you can plan your garden for our geographic zone. You can also find free information online from other experienced gardeners. 

Tip 2: Contact a Local Gardening Club 

Perform an online search to determine if there is a nearby gardening club. The other individuals in the club can help you at meetings, or they might visit your property to determine what type of soil is available. 

Tip 3: Choose a Garden Location 

Think carefully about where you want a garden located. You won’t want to have a garden where people might walk, and if you have children or pets, then they will need a place to play. It is also a bad idea to have a garden above utility lines such as sewer or gas lines. 

Tip 4: What Do You Want to Plant? 

Certain types of plants work well together while other plants will destroy each other. If you are a novice gardener, then you should choose easy to grow plants such as tomatoes, bell peppers and zucchini. Many herbs such as basil or chives are also easy to plant, care for and harvest. You may want to add some flowers to your garden because some types will repel insects. 

Tip 5: Have the Soil Analyzed 

To understand what types of fertilizers are required, you should have the soil of a garden analyzed. Some gardening stores will analyze your soil for free so that you can buy bags of fertilizer right away to mix into the soil at your garden plot. 

Tip 6: When Is the Best Time for Planting? 

It is important to determine when the best time for planting is in Camas, Wash. A gardening book from the library or an online website can provide the best day for planting seedlings or seeds in a garden. However, it is also important to understand the local weather conditions before planting anything. 

Tip 7: Buy Your Lawn and Garden Supplies 

You will need shovels, trowels and rakes along with small flowerpots, fertilizer and weed killers for your garden. To make your life easier, you can shop at a store that sells a wide assortment of lawn and garden supplies. 

Tip 8: Preparing the Soil in a Garden 

When you have a new garden, soil preparation is time-consuming and strenuous. You can make it easier by having a friend from your local landscape supply in Camas available to use mechanical equipment to dig and turn the soil. You may need to remove rocks before mixing in the fertilizer. Learn how to weed your garden in addition to eliminating pests throughout the summer. Begin planting your seeds and seedlings right away so that you can enjoy fresh produce.

How To Qualify For Disability In Texas

To start qualifying for disability, you need to possess enough work experience in jobs that are recognized by the Social Security Administration. You also need to have a valid medical condition which falls under the SSA’s definition of disability. Typically, the SSA will provide monthly disability benefits to those who’ve been unable to work for at least a year due to their condition. 

If you qualify for disability benefits you will receive them monthly until you can return to work. Work incentives, which supply continued benefits and health care coverage, are provided as well to ease your transition back into the work force. 

If you are receiving disability payments at your full retirement age, the SSA will automatically convert your disability payments into retirement benefits, but the payment amount will stay the same.

How Long Do You Need To Work?

Other than possessing a valid medical condition that fits the SSA’s disability definition, you need to have worked long enough and fairly recently to qualify for disability benefits.

The SSA awards work credits based on your total yearly wages or self-employment income, with the capacity to earn no more than 4 credits per year.

The amount required to receive a work credit varies year to year. For example, in 2018 you receive one work credit for each $1,320 in wages or self-employment income. When you’ve reached $5,280, the SSA awards you 4 work credits, the maximum, for that year. 

How many work credits you need to become eligible for disability benefits is dependent on the age of when you became disabled. Typically, the SSA requires 40 credits, 20 of which must be earned in the last 10 years ending with the year you became disabled. On the contrary, if you’re a younger work then you could qualify with fewer credits. 

The key thing to note about the SSA’s work credit requirement is no matter your age, you need to have earned enough work credits within a certain period ending with the year you entered disability. If you’re eligible at this moment to receive disability benefits but stop working under Social Security, you may not meet the SSA’s work credit requirement later on.

What Is Disability To Social Security?

The Social Security Administration’s definition of disability is unlike other programs. Social Security pays only for total disability, they will not award benefits for partial disability or for short-term disability.

The SSA considers you disabled if:

  • You cannot meet the job requirements of your previous occupation,
  • You are determined to be unable to adjust to other work due to your medical condition(s); and
  • Your disability has remained or is expected to remain for at least a year or result in death.

Social Security is very strict on this definition of disability. The Social Security disability program assumes that working families have access to other resources that provide assistance during periods of short-term disabilities such as workers’ compensation, insurance, savings, and investments.

How Does The SSA Decide If You’re Disabled?

If you have accumulated enough work credits to qualify for Social Security disability benefits, then the SSA will begin their 5-step process. The steps are 5 questions which are:

1. Are you working?

If you are currently employed in 2018 and your earnings average more than $1,180 each month, you typically will not be considered disabled.

If you are not working, the SSA will send your disability application to the Disability Determination Services (DDS) office where your medical condition be evaluated to see if you qualify. The DDS uses Steps 2-5 (found below) to make a decision.

2. Is your condition “severe”?

Your medical condition must impair your ability to complete basic work tasks such as lifting, standing, walking, sitting, and memory recollection, lasting for at least 12 months. If it does not, the DDS will not consider you disabled.

If your condition does impair your ability to complete basic work tasks, the DDS will move to step 3. 

3. Is your condition recognized by the Social Security Administration?

For every major body system, the SSA maintains a list of medical conditions that are considered severe enough that it prevents someone from earning substantial gainful activity. If your condition is not on the list, the SSA will need to decide if it is as severe as a medical condition that is already on the list. If it is, the DDS will determine that you are disabled. If not, the DDS proceeds to step 4.

The DDS have two methods that are designed to speed up the processing of new disability claims:

  • Compassionate Allowances: Specific cases that typically qualify for disability can be permitted as soon as the diagnosis is confirmed. An example of this would be acute leukemia, Lou Gehrig’s disease (ALS), and pancreatic cancer. 
  • Quick Disability Determinations: The DDS uses advanced computer screening to sort cases with a high probability of allowance. 

4. Can you complete the work you did in the past?

Step 4 is where the DDS decides if your medical condition(s) prevents you from completing any of your previous work. If it doesn’t, the DDS will decide that you do not qualify for disability. If it does, they will continue to step 5. 

5. Can you work any other job?

If you’re unable to complete work done previously, the DDS will determine if there are any other jobs you could work despite your condition(s).

The DDS considers your medical condition(s) and age, education, past work experience, and any transferable skills you may possess. If you are unable to work, the DDS will decide that you’re eligible for disability. If you can do other work, you will not be considered disabled and your disability claim will be denied. 

Submitting Your Disability Claim

You can submit your Social Security disability claim conveniently online. You can also schedule an appointment with your local Social Security office to file an application. Call 1-800-772-1213 (TTY 1-800-325-0778) from 7 a.m. to 7 p.m., Monday through Friday or contact your local Social Security office.

A few of the most popular Social Security Offices in Texas are provided below:

SAN ANTONIO TX 78206

DALLAS TX 75215

HOUSTON TX 77039

Fraud Prevention Company Introduces New Capabilities

A leading provider of fraud detection and prevention software solutions recently announced that they have expanded the capabilities of their FraudForce solution by increasing the accuracy and protection of fraud prevention rules.

“Fraud prevention and authentication are increasingly about protecting user experience while securing transactions,” said Scott Waddell, CTO, iovation. “We are introducing these user experience enhancements to make sure the security teams we serve can manage policies efficiently while guarding against unauthorized policy changes.”

iovation customers will now have the ability to protect additional application points with reduced time, effort and resources associated with managing large, complex sets of fraud detection policy rules. They can now respond immediately to new threat vectors by making one change across multiple rule sets, supporting them as they keep up with rapid rollout of new applications and services by packaging the most important rules for easy deployment. Additionally, these new capabilities ensure that organizations can comply with new security requirements such as those from the EU General Data Protection Regulation (GDPR).

Fraudsters are increasingly using more sophisticated techniques for their online fraud attacks and are expanding their focus outside of typical credit card related crimes. Fraud prevention professionals need better ways to manage fraud and policy rules across multiple applications and multiple points.

The specific capabilities iovation has added to their FraudForce fraud prevention software solution include:

  • Integration Points: Using logical mapping, fraud teams can visualize how their application is being protected, as well as allowing them to quickly change their fraud prevention implementations without the need for additional coding.
  • Advanced Rule Re-use: This new capability can reduce the number of rules needed by as much as 98 percent. Be re-using rules, teams can save the time that it takes to manually create and edit rules while also reducing the possibility for errors.
  • Rules Staging: Companies can quickly adjust fraud prevention strategies in real-time, such as slightly loosening fraud prevention efforts during a sales promotion or tightening them during non-work hours. This capability also allows businesses to work on their fraud prevention implementation offline.
  • Rule Permissions and Control: In an effort to battle insider fraud as well as inadvertent changes, iovation supports a permissions-based approach to rule management. This critical business information asset is protected by separating these capabilities between multiple individuals.

iovation is a leading provider of fraud detection and prevention software solutions as well as two factor authentication solutions and multifactor authentication solutions for a wide range of industries.

For more information on their solutions visit www.iovation.com

Information On Motorcycle Accident Laws In Washington State

Motorcycle accidents are prevalent all over the United States, including Washington State. traffic, distracted drivers and high rates of speed all play a factor in these types of accidents. While motorcycle accidents are not more common than automobile accidents, victims are more likely to suffer serious injury because they have little protection to absorb the impact. The following is an overview of personal injury law and how it pertains to those injured in motorcycle accidents.

What Is A Personal Injury Lawsuit?

A personal injury lawsuit is an action an accident victim can file in court in order to obtain monetary compensation for accident related expenses and injuries. Every state has a statute of limitations which must be followed when filing a lawsuit. In Washington State, accident victims must have their case filed in court within 2 years from the date of the accident.

Motorcycle Accident Injuries

Those hurt in motorcycle accidents may suffer many different types of injuries that range from mild to debilitating. The most common injuries seen in motorcycle accident victims are:

  • Severed Limbs
  • Traumatic Brain Injuries
  • Closed Head Injuries
  • Spinal Cord Injuries With Or Without Paralysis
  • Crush Injuries
  • Facial Lacerations Or Disfiguration
  • Multiple Broken Bones

Brain injuries are the most common cause of serious injury and death among motorcyclists. This is especially common if the rider does not follow the helmet law set forth in Washington State. Those who are sustain head injuries in an accident and do not have a helmet on may have a difficult time obtaining a settlement in a personal injury case.

How Can A Lawyer Help

Personal injury lawyers have years of experience working to protect the rights of accident victims. A lawyer may help you by:

  • Obtaining A Police Report
  • Hiring Accident Investigators
  • Speaking With Witnesses
  • Negotiating A Settlement With The Insurance Company
  • Filing Your Lawsuit Documents In Court
  • Represent You At Trial

Being injured in a motorcycle accident is a trying time, but there is help available. Contact a personal injury lawyer for information on how to move forward with a personal injury case.

Jeffrey Loria’s Reign is Coming to an End

Since 1999, Jeffrey Loria has tainted baseball through his gluttonous greed; he’s destroyed baseball for one city and conned another out of billions of dollars. He tore apart a championship baseball team and micromanaged countless more while simultaneously behaving like an absolute self-centered mogul. He could only be described as a blowhard who provided no substance, and those furious with his actions only took solace in one thing; eventually, the MLB would get rid of him.

Mercy wasn’t the only domain of the Ninth Circuit yesterday. Early Thursday, a concoction of mixed feelings of joy and anger circumferenced the Forbes report which was about Lorio’s agreement to sell the Miami Marlins to an unnamed buyer for 1.6 billion dollars. Fans were met with joy because Lorio was destroying his franchise and was now relieving the team from his deceitful grip. Fury accompanied because one of the worst, if not the worst, owners in sports history was turning a $158 million purchase into a sale worth 10x the original price, which invokes worry that other owners with resembling consciences may attempt to replicate.

However, the frustration expressed due to the scummy and filthy rich man getting, even more, money was nothing compared to the feeling of freedom the Marlins players felt after learning the warlord was finally being expelled. Marlin players and franchise executives spread the news each other like wildfire and were ecstatic. While believing the deal will be successful is presumptuous, there are even more barriers to come says an inside source. Loria wishes to soak up any more potential revenue he can, and that means he may potentially be involved until at least the All-Star Game at Marlins Stadium in July so the date of the sale is unknown currently, but that’s not stopping players, executives, and fans alike to celebrate the end of one of the most oppressive ownerships that tainted baseball for almost two decades.

Why A You Need A Truck Accident Attorney Seattle, WA

Seattle’s estimated 3.7 million populace alone makes up over half the entire population of the entire Washington State; with so many people on the road, it’s no surprise that Seattle experiences its fair share of vehicle accidents. However, due to the inherently massive size of commercial trucks, truck accidents result in some of the most severe injuries possible such as death. This is why it’s critical drivers are aware of how truck accidents pertain to personal injury and who you can call if you’ve been in a truck accident in Seattle.

What Causes Truck Accidents?

Although there are a variety of reasons why a truck accident could happen, the most common cause is negligence committed by a driver. Some of the more common causes of truck accidents including negligent driving behaviors are the following:

  • Driver Fatigue
  • Driver Distraction
  • Drug Or Alcohol Use By The Truck Driver
  • Poor Truck Maintenance
  • Driving While Overloaded
  • Speeding
  • Failure Of Equipment
  • Tailgating
  • Failing To Signal When Turning
  • Road Construction Or Hazards
  • Driver Inexperience

Legal Damages

In law, damages are an award, typically of money, to be paid to a person as compensation for loss or injury. Here are some of the damages that can be compensated

  • Pain And Suffering
  • Emotional Distress
  • Cost Of Therapy
  • Hospital Bills
  • Emergency Room Costs
  • Ambulance Transport Fees
  • Doctor Bills
  • Cost Of Alternative Transportation
  • Loss Of Income
  • Future Lost Income If The Victim Is Permanently Disabled

Why You Need An Attorney

If you or a loved one have been a victim of a truck accident in Seattle that was caused by the negligence of another driver, call now, you may be entitled to earn legal compensation for injuries sustained in your accident. A professional truck accident lawyer can help you get back on your feet after one of the most devastating moments of your life. Contact them today to schedule your free legal consultation which will allow a representing attorney to determine whether or not you should pursue legal action.

Personal injury laws and information in the State of Washington

Personal injury laws in Washington involve monetary compensation for damage to a claimant’s reputation or person. Many cases of personal injury in Washington include negligence in vehicular collisions and premises liability when one is injured on someone else’s property. The following paper will review some of the essential elements of personal injury laws in Washington.

Negligence

If you want to make a claim for personal injury by negligence, you are supposed to prove four elements:

  • The at-fault party owed you a duty of care
  • The at-fault party breached their duty of care
  • The at-fault party’s breach of duty resulted in your injuries
  • You suffered damages as a result of your injuries

Comparative Fault in Washington

There are cases where an injured person is partial to blame for their injuries. If you share some level of fault for your injuries, the Washington law on personal injuries applies a concept called the pure comparative negligence. This means that the damages you will recover will be reduced by a percentage that is equal to your share of blame in the accident. For example, if you recover $10,000 and the judge or jury determines that you are 20% at fault for the accident, your damages will be $8,000.

Strict Liability of Dog Attacks

Many states protect dog owners from being liable for the first time their pets injure someone if they reasonably did not believe the dog was harmful. This is known as the one bite rule. However, in Washington, a dog owner is strictly liable when their dog injures someone regardless of whether it is the first time or not.

Statute of Limitations

The time within which you should file a lawsuit is called the statute of limitation. In Washington, the statute of limitation for making a personal injury claim is three years. If you file a claim after three years, your case may be dismissed, and you will not get any compensation.

No Damage Caps

Some states limit the level of compensation one can be awarded for certain kinds of injuries. In Washington, there are no caps on damage awards. In fact, damage caps are regarded as unconstitutional in Washington.

If you intend to file a personal injury claim against someone who caused you to sustain injuries, it is important to hire an attorney. First, your attorney will gather evidence to prove the negligence of the at-fault party. Secondly, your attorney will advise you on the laws applicable in Washington and how to approach your claim. Finally, your attorney will help you get the best possible damage award by exploiting the no damage cap rule in Washington.

Information on Virginia Criminal Defense Laws

All states are incorporated into the Constitution with respect to the scope of their statute system and proper compliance with criminal defense rights of those who are accused of crimes. The federal government also extends the states significant latitude when establishing those laws that govern behavior within their state. The state of Virginia is one of the original ratifiers to the Constitution, and many of the old original criminal laws are still on the books. Of course, Virginia has continually built their criminal code for approximately 300 years, amassing a comprehensive and contemporary statute base that is applied when crimes are committed. States also have the right to establish uniform court system structure as well, and Virginia is unique in some aspects including the two-tiered local court systems. Legislators have also classified crimes in a standard misdemeanor and felony structure that indicate the seriousness of a charge according to specific case factors being brought before the court. Which, in turn, often means that defendants will need an experienced criminal defense attorney to fight charges that are not always as they are presented by the prosecution.

Misdemeanors

Misdemeanors are the general level of prosecution in the Virginia court system. Misdemeanors are assessed by class for serious nature of the charge, and will also have set minimum and maximum penalties based on the evidence. Evidence can still be questioned on misdemeanor charges, but defendants are rarely successful when attempting to defend themselves the contesting validity of any piece of evidence or officer testimony. Convictions on misdemeanors do not usually mean jail time, but most carry a significant fine.

Felonies

Serious crimes in Virginia are all classified as felonies, with certain non-violent crimes being prosecuted as felonies as well. Violent crimes are usually Class 1 or 2 and carry major prison sentences upon conviction. Other criminal acts are classified through Class 6, which is the first class above a Class 1 misdemeanor. They carry a minimum of one-year incarceration along with the potential for fines, which means that all defendants will be required by law to have a criminal defense attorney.

Criminal defense can be complicated, and the state of Virginia has broad authority to interpret what they claim is criminal behavior. However, the state is not entitled to a conviction without proving beyond a reasonable doubt that the defendant did what the state has formally classified and charged. Having an aggressive criminal defense attorney is always necessary in many cases for an acceptable case settlement because charges can be overstated or include inadmissible evidence an attorney could have dismissed from consideration.