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<p><p>Looking for full coverage auto insurance quotes? Want to get the most coverage for the least amount of money? Here's how ...<br /> <br /> <b>Full Coverage Auto Insurance</b><br /> <br /> Full coverage auto insurance pays for medical expenses, repair costs, and liability law suit expenses when you're involved in an automobile accident. It also pays for expenses if you're hit by an uninsured or underinsured driver. Here are the various coverages you should have and how you can save money on them.<br /> <br /> <b>Liability Insurance</b><br /> <br /> Liability insurance pays for claims made against you, plus your legal fees, if you injure or kill someone. It also pays for claims made against you when you damage someone else's property.<br /> <br /> Imagine what would happen if someone won, say, a $500,000 lawsuit against you? Would you be able to pay it? Probably not. That's why liability insurance is so important.<br /> <br /> If you don't own a lot of personal property you may want to carry the minimum liability insurance your state requires. If you do own a lot, then you'll want to increase it to cover your assets.<br /> <br /> <b>Personal Injury Protection Insurance</b><br /> <br /> PIP pays medical expenses for you and your passengers when you have an accident. It also pays for you and your family's medical expenses if you're in another car.<br /> <br /> If you have medical insurance you may want to skip this coverage. But if you don't, or if you live in a high-accident area, then you should purchase it.<br /> <br /> <b>Collision and Comprehensive Insurance</b><br /> <br /> Collision coverage pays for damage to your car from an accident no matter who was at fault. Comprehensive coverage pays for damage to you car from fire, theft, vandalism, storms, etc.<br /> <br /> To save money on collision and comprehensive coverage you'll want to get the highest deductible you can afford to pay. If you drive an older car that's worth less than your annual premium plus your deductible, consider dropping these coverages.<br /> <br /> <b>Uninsured Motorist Insurance</b><br /> <br /> Uninsured motorist insurance pays for medical expenses and property repairs caused by an uninsured, inderinsured, or hit-and-run driver. This is good coverage to carry, especially if you live in states that have a large number of uninsured drivers like Alabama, Arizona, California, Mississippi, and New Mexico.<br /> <br /> <b>How Get The Cheapest Full Coverage Auto Insurance</b><br /> <br /> The best way to get the cheapest full coverage auto insurance is to get quotes from an auto insurance comparison site. Here you can compare quotes from different companies and choose the best policy with the lowest rate.<br /> <br /> Visit http://www.LowerRateQuotes.com or click on the following link to <a href="http://www.lowerratequotes.com/">get full coverage auto insurance quotes</a> from top-rated companies in your area and see how much you can save. You can get more car insurance tips by checking out their "Articles" section.<br /> <br /> </p><br><br> ryan@thesatellitetvguide.com<br>http://www.articlesbase.com/insurance-articles/full-coverage-auto-insurance-quotes-where-to-get-the-cheapest-118546.html</p>

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<p><p>Asbestos is a fiber that was once used in construction as insulation and fireproofing. Asbestos fibers are small and toxic, easily entering the body through the lungs and causing a number of health problems. Exposure to asbestos can cause a variety of diseases, including lung cancer, asbestosis, and mesothelioma. Mesothelioma is a cancer that affects the meosthelium or protective lining that covers the body's internal organs, most notably the lining of the lungs and chest, known as the pleura. While mesothelioma can be caused by other factors, the majority of cases are linked to asbestos exposure.<br /> <br /> Asbestos-related mesothelioma first gained attention in 1929 when the first lawsuit against asbestos manufacturers was filed. Both sides settled and agreed to avoid pursuing similar cases in the future, and asbestos harmful effects yet again dropped off the radar. <br /> <br /> In 1960, however, asbestos and mesothelioma were in the news again. In a paper published by Wagner et al, asbestos was declared as the official cause of mesothelioma. The paper cited more than 30 cases of mesothelioma in people who were either working in asbestos mines or spent a good deal of time in proximity to asbestos. Two years later, an Australian asbestos worker was diagnosed with the first case of malignant mesothelioma. He worked in the asbestos mines in Wittenoom, Australia for just two years before developing the disease.<br /> <br /> Wittenoom would eventually become a mesothelioma nightmare. A mining town that revolved around the asbestos mills, the mines asbestos waste had an affect on many who lived there, whether or not they worked in the mines. Toxic levels of the mines asbestos were found on playgrounds, and cases of mesothelioma began to crop up in mine workers and non-mine workers alike. Mining in Wittenoom lasted from 1943 to 1966 despite the existence of proof that asbestos caused mesothelioma and other serious medical conditions.<br /> <br /> The mines were owned and operated by CSR Limited, a company that produced aluminum and construction materials including asbestos insulation. The company didn't take proper safety precautions to control the exposure of individuals to asbestos from the mines. <br /> <br /> In fact, during the period that CSR Limited Wittenoom mines were in operation, thousands of mine workers, their families, and visitors were exposed to lethal amounts of asbestos. There were regulations in place at the time as to how to control asbestos exposure for mine operators; CSR Limited simply didn't follow them. <br /> <br /> The Western Australia Health Department issued several warnings to CSR, but they failed to make any changes to protect the miners and townspeople, even after many cases of mesothelioma and other asbestos-related diseases began to spring up.<br /> <br /> In the late 1970's the Western Australian government began shutting down the town of Wittenoom because it was no longer safe to live there. Asbestos levels were far too toxic, and, eventually, at least a third of those exposed to asbestos in Wittenoom would be diagnosed with mesothelioma and other asbestos-related diseases. <br /> <br /> In 1979, suits were brought against CSR Limited, and they were found to have shown conscious negligence and disregard for the safety of the mine workers and the town. Even now, new cases of mesothelioma related to the Wittenoom tragedy are being diagnosed, costing CSR Limited millions of dollars in settlements.<br /> <br /> Asbestos is still widely used in many products today, despite its toxicity. Attempts to legislate a ban on asbestos, so far, has been overturned by the courts. The EPA has resources available to provide you with information about asbestos, asbestos-related products, and how to control your asbestos exposure.</p><br><br> Ron Wicker<br>http://www.articlesbase.com/non-fiction-articles/the-history-of-asbestosrelated-mesothelioma-106086.html</p>

<p><p>The goals of Real Estate Asset Protection are:<br /> Keep the ownership of the real estate anonymous. Anonymous Panama Corporations and Anonymous Panama Foundations do this extremely well; in fact better than any other jurisdiction we are aware of. Anonymous ownership of real estate reduces your profile as a target for lawsuits and collection attorneys can not go after something they do not know even exists.<br /> <br /> If a structure of Anonymity is not practical the next best solution is to take away the attachable equity through the use of lawful mortgages and other encumbrances filed on the property locally by anonymous Panama Corporations or Foundations.<br /> <br /> You should only use a Law Firm for asset protection so you have attorney client privilege. The law firm used should be out of the reach of the court where the real estate is located. If a lawyer in your country forms an offshore structure for you what are you going to do when he winds up in the lawsuit with you - defrauding creditors would be one possible allegation, or if he has the judge order him to open up his records concerning you. If you felt the courts, laws, judges, lawyers etc. in your country were fair and equitable you wouldn’t be reading this. Don’t make the mistake of using a law firm in another country which also has flawed privacy laws. The courts in his country will probably cooperate with the courts in your country.<br /> <br /> As a last resort but still a valuable one the asset protection structure should present itself to your pursuing financial adversaries as so burdensome, onerous, confusing, time consuming and expensive that they will accept a settlement from you for a mere fraction of the debt in question. This is an often overlooked positive outcome that lets you keep your property and settle the debts for pennies on the dollar, sort of a bankruptcy without going bankrupt. <br /> Detailed Information Follows:<br /> Today many people in different countries are very worried about their real estate being lost due to court actions leaving them homeless or without their real estate portfolio. Real estate is not portable and unfortunately is one of the first things aggressive collection attorneys go after. Since the ownership of real estate in many jurisdictions is open and transparent, the real estate ownership rolls are often used to determine if a person has enough wealth to go after in a civil lawsuit, in other words it flags you as a target. Real estate ownership records are also used to accomplish identity theft since a lot can be learned about the owner from the public records like when the mortgages were taken out, from which company and for how much, the full names and addresses of the owners, etc. This information is then used combined with other public databases like driver’s licenses, phone and utility records etc. to create a profile of the victim which is used to steal their identity. Lack of privacy is invasive and also encourages litigation and criminal activity.<br /> <br /> So how do you protect your real estate in as anonymous manner as possible? Some sample strategies are briefly described below. <br /> <br /> Mortgages:<br /> One real estate asset protection strategy is to borrow against the real estate using mortgages or trust deeds. Typically in most jurisdictions the borrowed money is not taxable as income since it must be repaid. Usually one can borrow up to 80% of the value of the house. Collection attorneys will not spend money to go after a house with 20% or less available equity. This is also true concerning government collection agencies. It is felt that auctions in the courtroom or on the steps of the courthouse will not bring in more than 80% of the appraised value since these auction buyers are looking for a substantial discount. One important point to be considered is the collection attorney may want to know where the borrowed money from the mortgage is to see if it is within his reach like in the country concerned. If the money is offshore they rarely will pursue it. They are not lawyers outside of their country and must retain local lawyers who usually smell deep pockets and charge high fees for this type of service which will rarely ever has a happy ending for them. The country where the money is may be hostile to such collection actions as is very often the case and makes it hard for these cases to be pursued. These countries often dismiss these cases for lack of venue or jurisdiction. Also the collection attorney from your country often has to post a cash bond to cover court costs if they lose which again deters such actions. The potential problem with the above scenario is now you have a mortgage on property that may have been free and clear. You need to go through a credit check and reveal personal information much of it will wind up in public or semi-public databases like credit agencies databases. Now you have to make the payments and pay the interest rates. There are usually penalties involved if you terminate the lease early. Many of these loans have variable interest rates which can go up and now you have a blood sucking Mortgage Company on your property title. There is a better way.<br /> <br /> Your own Mortgage Company:<br /> There is nothing wrong with borrowing money from an anonymous Panama Bearer Share Corporation that to protect its interests places a mortgage on your property. You basically write a mortgage through your corporation to yourself to record on the title of the property you wish to protect. This requires a lawyer in the city where the real estate is to advise you as to how the mechanics and local laws will work when recording your mortgage and pertaining to it. You may need to fund an escrow in the area where the real estate is in some countries to validate the mortgage, but there are work arounds for this as well. After the escrow closes the loan is recorded against the property tying up the equity in the property reducing your profile as a target greatly. You could make the loan at more than 80% of the value like 99% if you so desired. The corporation or an additional corporation could be used to make a second or even a third mortgage. Of course your borrowed money is not taxable and but you do need to make payments with interest to your own corporation. This is a real loan. If one researches you or your real estate they will see encumbered real estate and someone thinking of suing you may think you are not worth the time and expense which is one of our goals. If someone does try to levy or auction your real property they will have to pay the mortgage off from any auction or sale proceeds and if the amount of the mortgage (LTV- Loan to Value) is at least 80% of the appraised value a sale for enough money to pay off the mortgage will be extremely unlikely thus they will not bother spending the legal fees and auction fees. Auction buyers are price buyers, not people looking for a certain home in a certain school district etc. Remember the Panama Corporation owning the mortgage has no listed owner anywhere so it is impossible for ownership to be looked up by a potential financial enemy sizing you up. In any event the obstacle of the mortgage makes normal collection actions immensely more difficult for them if they should try to pierce through the corporate veil. Panama corporate veils do not pierce. They do not know this is your mortgage and that you own the corporation that wrote the mortgage and the only way of finding out would be to take your deposition and ask you. Well for all they know you don’t own the corporation, perhaps you did and transferred the ownership, or they might assume you would lie and they could not catch you in your deception, or they may assume it is owned by a friend or relative or whatever else comes into their mind. You are not responsible for their thoughts; this is something they do all on their own. One thing to be perfectly clear on is now collection costs for your financial adversary has now gone up, way up and the person going after your assets has some decisions to make as to how much money they want to spend. The collection attorney is going to be anything but encouraging because he is now in an environment that he does not understand – welcome to the jurisdiction of Panama Counselor. He is going to tell your financial enemy that more money is required to pursue this, in the back of his mind not really wanting to pursue this and if he does have to do it he is going to want to get paid big time. When lawyers do not want to do something they charge a lot. Now if the attorney gets into it and finds out the corporation ownership is non-transparent and soon discovers that Panama has tight bank secrecy etc. he will become more frustrated and this means higher fees for your financial enemy. What will the other side do if a Panama Private Interest Foundation owns the Corporation and you can legally say you do not own the Corporation? Panama Foundations really have no owner so you could also say you do not own the Foundation. Welcome to Panama Mr. Collection Attorney. You are not responsible for providing the other side ownership details of a foundation or corporation that is their problem. You can say you do not own the corporation or foundation and that is where it stops as far as you are concerned. Folks when they see a Panama Corporation or a Panama Foundation on the mortgage they are more than likely to drop it right there because they know they are spinning their wheels and will more than likely never get anywhere and spend a ton of money getting nowhere. Remember the collection attorney doesn’t deal with Panama Asset Protection scenarios everyday, or even every decade for most of them. He will see things as a brick wall, blind alley, etc and not know what to do. Remember the attorney that is doing the collection can be sued by his client for frivolously spending his client’s money and running up a big bill when chances for a positive return are most unlikely.<br /> <br /> Line of Credit Mortgage:<br /> There are other ways of protecting real estate assets where no actual funding of a mortgage is required. A line of credit is set up through a Panama Financial Institution that records a trust deed based on the size of the line of credit. This is very similar to what finance companies in the USA do with home equity lines of credit. This also requires you to retain a local attorney in the area where the real estate is located to ensure that proper papers are filed with the local government registry. The line of credit need not be drawn down upon, yet it can still be used to protect your real estate equity, or boat equity, car equity, airplane equity, art collection equity etc. The line of credit can be cancelled at any time by you and within 30 days the mortgage on the property will be released. There are safeguards put in place to ensure you have control over this. <br /> <br /> Real Estate Asset Protection Annuity:<br /> Another way to protect real estate or other assets is through the use of an annuity. Basically the anonymous Panama Corporation or anonymous Panama Foundation would receive your real estate or other assets in return for an annuity. The annuity pays you a certain specified sum of money monthly, quarterly or yearly. The money can be paid into a secure Panama Bank account even in the name of another Panama Foundation which is acquiring and protecting assets for you to retire on and for the eventual benefit of your beneficiaries. So if you were asked in a lawsuit in your home country why you transferred the real estate to this Panama Corporation and what consideration did you receive for the transfer, you reply the transfer was done in return for an annuity of so much money per month for as long as you live, or 5 years or whatever you decide for a term. Now they say where is this money paid thinking about garnishing it. You say into a Panama bank that my Panama Private Interest Foundation maintains think dead end for the collection attorney. If the sum is paid monthly the collection effort is so costly compared to the reward you could even have the annuity money paid into a bank account in your home country. They are not going to go do a new collection action each month, and if they did well you could change banks, or use a Panama Bank and withdraw the money with an ATM card. <br /> <br /> WARNING <br /> <br /> It is common to see entities selling asset protection structures using trusts and other vehicles that are located in the countries that have done away with privacy and fairness in the courts. These are the countries where they judges do what they want, judgments awarded are staggering high, the lawyers run legal bills up on the people until they can no longer defend themselves because they are broke, etc. If you own property in such a country and use an attorney who is also in this country or another country like this you are at serious risk. Why. For a lot of reasons. <br /> <br /> One reason is the attorney client privilege in these countries can be broken by judges if the judge feels the lawyer was actively involved in some illegal deed with the client such as concealing assets from creditors, fraud, legal misrepresentation, money laundering (using overly broad definitions of money laundering these countries are fond of with extremely small amounts of money involved), or fraudulent conveyance of assets to a trust or other entity to remove them from the reach of creditors. The lawyer has to listen to the judge. Especially when the other side is saying “Your Honor the defendant is going to hide the assets again and cost my client thousands of dollars all over again”. When the lawyer hears this he starts thinking if he appeals the judges decision etc, and fights back real hard the next step is the other side is going to sue him for conspiracy to defraud the creditor. You see the lawyers are most aware of the perverted justice system in their country and they are scared of it coming back and biting them. The bottom line is they are going to be thinking well if I give this guy up (you) to the other side they’ll be happy, I’ve already got my fees paid, the client is going to be penniless and then what the heck can he do to me. When privacy is gone, the lawyers have a field day. REMEMBER even if the lawyer sets up an offshore structure for you he is still in your country and his records can readily become fair game in the discovery process and wind up in the hands of the court and even get recorded in the public court records as evidence. This means your financial enemies do not have to go offshore to pierce your corporate veil, trust foundation etc., they can do it right in the convenience of their backyard. This is a temptation and temptation encourages litigation. You should have a law firm in the jurisdiction of your offshore asset protection structure (the corporation, foundation bank account) so they will have enforceable attorney client privilege, corporate and foundation anonymity, bank secrecy and a privacy oriented court system to help them protect you.<br /> <br /> These lawyers in the countries where privacy and justice are gone tell clients their asset protection methods are tested, secure etc. Try asking them what it costs to pay for the legal defense if the other side decides to “test” the asset protection strategy. Probably the bill will be enough to cause you to want to settle or give up. Then ask him if he does appeals and what they cost. If you lose a court case you usually have to post a bond equal to the amount of the judgment to keep the property during the appeal process.<br /> <br /> More on Lawyers:<br /> The obstacle is you have a physical asset in the form of real estate and the courts there can assert jurisdiction over it, which means take it away from you. What is going to work best is to keep the asset ownership anonymous before trouble starts. If your potential financial enemies or actual financial enemies do not know about an asset they will not attempt to confiscate it. If they do know about it then you must have some form of plausible deniability to show the judge why you can’t turn it over to the court. One good way to do this is to use financial instruments like mortgages since the judges don’t want to start upsetting the apple cart and get all the banks alarmed over some judge setting properly recorded mortgages aside. This is why we suggest using a local lawyer to record the mortgage, you do not have to make this lawyer aware of your entire asset protection strategy, nor give him all the documents just provide him with as little as he needs to know since he may be subpoenaed or have his deposition taken in a worst case scenario. For overall legal counsel in the jurisdiction where the property is contact another lawyer whose name will not appear anywhere relating to recording the transaction to make sure he does not get dragged into court and he can give you advise relating to taxes, legality, collection process, correct title, release of deed or mortgage, transfers etc. We are talking about a worst case scenario where assets are in the millions. <br /> <br /> Banks are powerful politically and economically and they will pay careful attention to any judge setting aside mortgages unless there is a clear cut fraud involved with complete documented evidence so the judge will need to tread carefully on this fragile ground less he wrecks the security of the mortgage industry in his country. This is stronger in our opinion than just relying on a trust which judges love to bust open as frivolous or fraudulent with intent to defraud creditors. Please bear in mind nothing is one hundred percent perfect.<br /> <br /> Planning Before Trouble Knocks: <br /> Of course if you are planning before trouble is breathing down your neck as you should be doing, just putting the real estate in the name of an anonymous foundation or corporation is going to go a very long way in protecting your assets. If you are not in a lawsuit presently and have no judgments no one can argue that the transfer was a fraudulent conveyance to avoid creditors’ efforts to attach your assets. <br /> <br /> If the property showed up on a credit report due to the mortgage company reporting the transaction, the collection lawyers chasing you will probably see the credit report and query you as to what happened to the property, did you receive any money for it or other consideration, where is the money, what happened to the money, did you transfer it for below market value and why, who owns it now, etc. Hypothetically for purposes of making a point to follow about collection attorneys in general, one could say they sold the property and the money was put in a Panama Bank Account and the money has been spent or gambled away, and the bank account was closed and you never had the bank send you statements which is common in Panama, so you have no bank statements and you banked online using the banks online banking system. Well the corporation public registry and foundation public registry do not reflect ownership at all and the Panama Banks will never respond to the collection attorney - never acknowledging or denying the existence of any such bank account since it would constitute a violation of bank secrecy laws with civil and criminal penalties. We are not saying you should do such a thing which would be illegal and we do not advocate illegal activities but what we are saying is some people do such things and the collection attorneys know that the people they pursue are in the habit of lying to conceal assets and they do not rely on the truthfulness of their clients to find assets. If they did that they would go out of business in short order. The collection attorney needs to work within a legal system that let’s them play their games and Panama does not let them work their craftiness at all. So you have a reasonable chance of seeing the collection attorney abandon pursuit when they see real estate titled to a Panama Anonymous Corporation or Foundation. They don’t plan on you being honest and open with them and they don’t have a clue as to how to proceed in Panama dealing with an anonymous corporation, foundation or bank secrecy. Their subpoenas are worthless and they are wondering how they are going to factually prove to a judge in the country where the real estate is that you really own property that is recorded in the name of an anonymous corporation and foundation in Panama. Even harder for them to think through is how to prove to a judge that the mortgage recorded on the real estate is through a corporation or foundation you own or control in Panama and that the judge should just set aside the mortgage and risk harming another entity when the lawyer is missing any concrete evidence to support the allegations. Remember the burden of proof is not on you, it is on the collection attorney. To make it worse what if you are not in the country where the real estate is or otherwise out of the reach of the court where the real estate is or maybe you just are not available for service of court papers. Well now the collection lawyer can’t even ask you any questions to make his case. Imagine him telling the judge he couldn’t serve you but he is sure you really own this property because at one time you did own it and the judge should just turn the property over to the creditor in absence of any evidence. What if the judge tells the lawyer to go contact the corporation or foundation in Panama? So we as your resident agent get served. First off the service will not be legal in Panama but we wouldn’t want to get the judge mad in the country where the real estate is so we contact you. If you tell us ok tell them whatever they want to know and I will pay for your time we would do so. On the other hand if you do not wish for us to reveal anything we would at your direction either not respond or just respond that we are bound by attorney client privilege from disclosing anything and asking us to do so without the permission of our client is illegal under our laws and their court does not have the authority to direct us to break the law and suffer the consequences in our country which are most severe. By now the collection attorney is spending a whole lot of his clients’ money and they are getting frustrated. Suppose they hire an attorney in Panama and try to get a court order. Forget this. Panama has 400,000 corporations registered here because they know the courts will not cooperate. The court will most likely throw the case out for lack of venue, lack of jurisdiction of the Panama Court and not comply with requests for breaking attorney client privilege. In terms of piercing the corporate veil, they are no ownership records to subpoena and of course remember transfers of ownership are not recorded and even the lawyer who formed the corporation has no idea who the new owners are, or how many times the corporation was transferred. All the owner need do is give the new owner the stock certificates with no recording of the transaction. Panama is set up for privacy and asset protection.<br /> <br /> There are a number of scenarios we can structure to asset protect your real estate, boats, planes and other assets. We are a law firm - you have attorney client privilege, give us a call.<br /> <br /> http://www.panamalaw.org/real_estate_asset_protection.html<br /> http://www.panamalaw.org/anonymous_real_estate.html<br /> http://www.panamalaw.org/panama_mortgage_investor.html<br /> <br /> For more information, please visit:<br /> http://www.panamalaw.org<br /> email at: panamalegal@hush.com</p><br><br> Ronald Edwards<br>http://www.articlesbase.com/business-articles/real-estate-asset-protection-82139.html</p>

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