Saturday, May 28, 2016

3 Reasons to Consider Buying Term Life Insurance


When you are putting together your financial planning portfolio, one of the most boring aspects of it is life insurance. You've been told a hundred times that you should have life insurance, but what kind of life insurance should you buy?

If you discuss this issue with the majority of insurance agents, they will probably tell you to get the whole life insurance-you know, the one that costs more monthly but builds up cash value over several years as you keep putting money into it.

However, if you talk to most other financial experts, they will advise term life insurance-the kind with the low monthly premium that only pays a benefit upon the death of the policy holder.

I am in the camp of those recommending term life insurance, and here are 3 reasons why:

1. Term insurance does what life insurance is meant to do

The main reason you want to buy life insurance is to see to it that your family is covered in case something happens to you, so there is no reason to turn it into anything more than that. When you buy term life insurance, you insure your family during the time period they need to be covered-this is the purpose of getting life insurance to begin with.

2. Term life insurance is far cheaper than whole life insurance

Not only will term insurance do exactly what a life insurance policy should, it is also a lot less expensive than whole life insurance. In many cases, you can save hundreds per month for the same dollar amount of protection with a term policy.

3. Term life insurance allows you to have greater control with the rest of your financial portfolio

Instead of putting hundreds of dollars every month into a whole life policy where you will have very little idea what the return on investment is, take the money you save every month and invest it in IRAs or some other investment that will give you more freedom and flexibility with your money.

For the majority of people, the best move is to "buy term and invest the rest." Compare prices today and see what kind of life insurance policy is best for your family.

Get a low cost life insurance quote from a reliable provider in your area and secure your family's financial future today at www.lifeinsurancequotetoday


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Friday, May 27, 2016

The Economic Climate and Owning Property Abroad - Help


The present economic climate has affected a lot of overseas property markets. It has in addition affected many of investors, both large and small, that have already purchased or are thinking of owning property abroad.

The U.S, for the most part Florida, has an elevated amount of properties that have been repossessed and has been roughly hit by the financial collapse. Investors who are looking for owning property abroad at a good price should look closely at the UK market for the reason that there are some great deals there at the moment.

Shareholders are paying out the equal entire financial plan that they were intended to in the pre-recessional era, and buying residences out of the country that have been reclaimed can be the finest action you can accomplish at this moment in time.

The United Arab Emirates market has experienced a lower level in terms of radical growth over the last year, and Dubai was hardly affected. Dubai property has decreased in value and investors have chosen to totally stay out of the market. Nevertheless, whilst some markets have shrunk, other possible overseas property markets are expanding in growth and popularity, countries like Morocco and Egypt in Africa as well as Brazil in South America, and you can consider owning property abroad there.

Owning property abroad in Spain has in fact caused a stir in an unresponsive means, with the developers ditching developments as well as homes incomplete, land-grab lawful arguments, dishonesty, in addition to the stream of homes. Abroad investors that desire to invest or buy a house at the moment can actually get a lovely sell on purchasing property in Spain seeing that the prices have fallen and there is a an abundance of estates at present available in the arena plus, thus, merchants are eager to put up for sell at economical fees.

A similar situation exists with owning property abroad in France that has also been hit by falling house prices in the past year. This fall in prices, on the other hand, is a very good opportunity for investors who are looking to procure a house in France, and with the supplementary help of falling interest rates that is creating a greater demand on the French real estate market.

As you can observe, these are nice periods to deliberate owning property abroad and, if you have sufficient capital to invest, you are supposed to do it as speedily as possible.

Visit http://www.expertlanguages.com for more great tips and advice on Owning Property Abroad.


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The Duties Covered By A Funeral Service Director


Funeral directors are a rare breed of men and women. Aside from their capability to be calm in the face of the continual encounter with death, they are bestowed with the capability to keep their presence of mind even if all around them people are influenced with emotions. Funeral directors can function effectively even if all around them individuals are already high strung; they are very great assets in helping you prepare an organized funeral service for your deceased beloved. An individual suffering from the death of a loved one may experience overwhelming grief. At this time of mourning, a bereaved individual cannot make sound decisions. Nonetheless, the bereaved must face necessary issues related to their loved one's demise. The funeral service arrangement is one important aspect to look into. The bereaved may pass on the responsibility of accomplishing this arrangement to a funeral service director.

The primary task of a funeral director is to supervise everything from the ceremonial rituals of the funeral to the final handling of the body of the deceased.

The important responsibilities of a funeral director include shifting the deceased to a mortuary, making the body ready for the funeral ceremony, making arrangements for the services where people will remember and pay their last respects to the departed, and performing the ultimate procedures on the corpse.

These responsibilities entail taking care of essential activities like deciding the venue and timings of the funeral ceremonies, arranging for a car to transport the body, and writing obituaries and posting them in newspapers or the electronic media. Besides, funeral directors have to make arrangements for flowers and have the decoration done for each service, make provisions for conveyance for the assembled people and dress up the deceased for the ceremony after embalming it.

Besides these jobs, a funeral director also takes care of the critical paperwork that are a part of the formalities following a person's death. He helps the relatives in obtaining a death certificate. He also has to handle other tasks like helping the family with obtaining the insurance money and to take benefit of seniors' burial scheme. He also takes care of issues related to clearance of pension and annuities of the deceased person to the lawful beneficiary and aids the family to come up with a budget for the services.

He also has to associate with many people and needs to coordinate with different people for effectively performing his tasks. He has to associate with doctors, pastors, coffin makers and flower sellers, all with equal ease.

Finally, it is essential for funeral directors to work beyond their normal schedule and provide comfort and relief to the suffering family of the deceased, in order to help them tide over their sorrow. Some funeral directors ignore this responsibility, but it is an essential part of their service no doubt.

The professional funeral director can help you prepare the most appropriate funerals for your departed loved ones.


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Real Estate: A Sellers Market


People who are buying homes do not have an advantage during a seller's market. They will have a lot more advantage during a buyer's market, because the prices of homes are cheaper when there are more sellers than there are buyers. During a seller's market, there are more buyers than there are homes being sold. This is how the law of supply and demand gets started. Sellers can charge exorbitant prices for their homes during a seller's market. They are less willing to negotiate or budge on their prices because they know that if one person does not buy their home, another person will. During a buyer's market, sellers are more desperate to sell their homes because the next interested buyer could be few and far between. A sellers market is also advantageous to people who already own a home, and want to refinance their home. The price of their homes can rise during these times, which means they can take out equity to fix up their homes if the value of their home has been increased to over what the loan value for the home originally was.

There needs to be an equal balance during a seller's market because some sellers and bank lenders can end up deflating the market if they are charging too much interest, or selling their homes for larger prices than what most people can afford. When home buyers want to buy a home during a seller's market, their bid can hold a lot more weight if they have a pre approval letter readily available. A pre approval letter is from the bank of the home buyer's choice that will lend them the money to buy the home. This letter is a guarantee that the home buyer is eligible for the loan, and is ready to buy. Even if another person bids a higher price on the home, the person with the pre approval letter is looked at more favorably because it is more of a guarantee that the seller can close on their home.

In a seller's market, a person who is selling a home is a lot less likely to take an offer from someone who is too demanding. If a buyer is asking the seller to pay closing costs, the seller can deny the home to this buyer. Also, if the buyer is asking the seller to move out as soon as possible, without giving them sufficient notice first, this can also get them denied. During a buyer's market, this type of tactic may work more readily when a seller is anxious to sell, but not during a seller's market. Sellers are much more relaxed and less anxious to sell if they feel that they are selling to the wrong person.

The great thing about a seller's market, is that a seller can be in complete control of the whole sale. When a seller is puts their home on the market, they can be very selective in the offer they accept. This is completely legal and advantageous in a sellers market.



Orignal From: Real Estate: A Sellers Market

Thursday, May 26, 2016

Getting the Lowest New York Home Owners Insurance Premiums


The house you are living in the best thing that you have and keeping it secure and safe means the safety of your family. Each corner of the house depicts your personality and love for the people living in. I am sure that anyone would buy the best of the things when it comes to their house. And in order to keep everything safe it becomes necessary for you to get New York homeowners insurance. New York is considered to be costly and a risky place to stay because of the crime rate in the city. Your insurance may cost you a fortune but you know it's necessary.

There are a lot of factors that can increase or lower the premium from the New York homeowner's insurance policies. You can start preparing yourself when you buy a house or condo in New York. Keep in mind that the the closer the facilities like a fire station or a police station are to your residence, the lower the cost will be. This is because the nature of the damage will not be as extreme in this case because help is able to arrive much sooner. How far your house is from the city, the type of neighborhood, the proximity of a lake near to your house or if your house is near the forest will all affect the price of your insurance.

Owning a house near a lake can mean a higher probability of water and flood damage. Living near a forest means a higher risk of fire damage. And the type of neighborhood makes a difference with how safe the house is likely to be. Moreover, you are more likely to have a higher premium if your home is located in a zone that is earthquake or flood prone. The insurance company have all of this information on hand and will charge you the premium as per the area you live in and the amount of risk it poses.

Another variable in the price of your premium depends on the construction of the house. If you have purchased a house which is quite old, then the likelihood that you will have to repair the foundations of the house or make other various repairs will be increased dramatically so your homeowners insurance will charge you a higher premium to compensate. If you buy an older home, you'll want to get all the new gadgets and electric appliances you need because it will improve the safety of your house as well as increase the home value. But keep in mind that the amount of valuables you own and want to secure also makes a difference for your premium.

The best way to get the best New York homeowners insurance policy for the lowest price is to spend a little cash on the house to get it repaired to standard and to also install safety alarms so that you reduce the risk of the home. Doing this will ensure that you get a quote that has a lower premium.

New York homeowners insurance is a must because of the notorious crime rate that exists. Having homeowners insurance will help you secure your house and help to recover from the losses if something happens to your house. Moreover, insurance is mandatory in most areas and some areas also require you to get specific types of insurance attached to your homeowners insurance policy. You can either check with a broker to offer you the best quotes or check online. Trying to get a quote online will not only help to get an approximate amount that you will have to pay, but will also help you understand the types of insurance available and the kind of coverage you can get.

http://www.01insurance.com is an authority on New York Auto Insurance. Click here to find more information about New York Home Owners Insurance. Art Gib is a freelance writer.


Orignal From: Getting the Lowest New York Home Owners Insurance Premiums

The Americans with Disabilities Act: Past, Present, and Future

The Americans with Disabilities Act: Past, Present, and Future
2.5 Illinois MCLE pending approval Free and open to the public   Welcome and Introduction Hon. Robert W. Gettleman and Hon. Matthew Kennelly   Birth of the ADA (1990) and Clarifying Amendments (2008) [raw][column size="1/2″] Tony Coelho Former Congressman D., Cal. Primary author and sponsor of the ADA [/column][column size="1/2″ last] Marca Bristo President, Access Living of Greater Chicago; Former Chair, National Council on Disability [/column][/raw] Moderators [raw][column size="1/2″] Hon. Robert W. Gettleman District Judge Northern District of Illinois [/column][column size="1/2″ last] Hon. Jeffrey T. Gilbert Magistrate Judge Northern District of Illinois [/column][/raw] [toggle title="Tony Coelho bio"] Tony Coelho is a former United States congressman from California, and primary author and sponsor of the Americans with Disabilities Act. Tony was elected to Congress in 1978 and served for six terms until 1989. He served on the Agriculture, Interior, Veterans Affairs, and Administration Committees during his tenure, specializing in disabled rights. In 1986, Tony was elected House Majority Whip. As the chief vote counter for his party, Tony oversaw a series of Democratic victories in the House on measures ranging from the budget to cutting off funds for the war in Central America. Tony was the original author of the Americans with Disabilities Act, signed into law by President George H.W. Bush. By 1994, the U.S. Census Bureau reported that some 800,000 more people with severe disabilities had found employment than were employed when the bill was first enacted. President Bill Clinton appointed Tony to serve as Chairman of the Presidents Committee on Employment of People with Disabilities, a position he held from 1994 to 2001. He also served as Vice Chair of the National Task Force on Employment of Adults with Disabilities. In 1998, Clinton appointed Tony as the United States Commissioner General at the 1998 World Expo in Portugal. Clinton also appointed Tony as Co-Chair to the U.S. Census Monitoring Board, a position he held until his appointment as general chairman of the Gore presidential campaign. In addition to formerly chairing Life Without Limits and the Disability Pride & Power Committee, he is the past chair of both the Epilepsy Foundation (2005-2007) and the American Association for People with Disabilities (2009-2011) Boards of Directors. He also served as the Acting President and CEO of the Epilepsy Foundation in 2011. In May 2013, he co-authored an article for the American Journal of Public Health titled "Addressing Stigma Through Social Inclusion" with former First Lady Rosalynn Carter and former Surgeon General David Satcher. In March 2009, Tony was named as Chairperson for the Partnership to Improve Patient Care (PIPC). In this capacity, Tony works to amplify the voice of the partnership's diverse members, including people with disabilities, racial and ethnic communities and the elderly, among others. Tony participates annually at New York Law School for its Tony Coelho Lecture in Disability Employment Law & Policy. He has endowed a chair in Public Policy at the University of California in Merced and also in Neurology for Pediatric Surgery at UCLA. He also serves as the patient stakeholder on the Stakeholder Advisory Group for the TVT Registry, which was created by The Society of Thoracic Surgeons and the American College of Cardiology as a benchmarking tool developed to track patient safety and real-world outcomes related to the trans catheter aortic valve replacement (TAVR) procedure. Tony now makes his home in Rehoboth Beach, DE and Doylestown, PA. [/toggle] [toggle title="Marca Bristo bio"] For more than 30 years, Marca Bristo and Access Living, Chicago's center for independent living, have helped craft local, national and international reforms to protect the rights of people with disabilities and equip them with tools to lead independent, satisfying lifestyles. A pioneer of Chicago's disability rights movement and a former patient of the Rehabilitation Institute of Chicago, Bristo helped launch Access Living, one of the country's first ten centers for independent living. Since 1980, Access Living has provided peer services and advocacy to over 40,000 people with disabilities, and it has won systemic improvements in housing public schools, public transportation, public access and long-term care. Beyond Access Living, Bristo is an international advocate for the rights of disabled individuals. During the 1980s, as a member of the Congressionally appointed United States Task Force on the Rights and Empowerment of Americans with Disabilities, she helped draft and win passage of the Americans with Disabilities Act. In 1994, President Clinton appointed Bristo to head the National Council on Disability, an independent federal agency that provides policy guidance to the U.S. President and Congress. Bristo was the first person with a disability to hold this position. Today, as President of the United States International Council on Disabilities, a federation of US disability organizations committed to fostering Disability Awareness inclusion and rights overseas, she is leading a campaign to promote the ratification of the UN Convention on the Rights of People with Disabilities in the United States. For her dedication and perseverance, Bristo received the Distinguished Service Award of the President of the United States and the Americans with Disabilities Act Award for her role in the creation and passage of the law. She was named a Henry B. Betts Laureate for significantly improving the quality of life for people with disabilities, and earned the 1993 United Way of Chicago Executive of the Year Award. Ms. Bristo also was named by Crain's Chicago Business as one of Chicago's 100 Most Influential Women. The Chicago Sun-Times included Bristo on its list of 100 Most Powerful Women, and was on the list of Today's Chicago Woman 100 Women Making a Difference. Other awards include: IMPACT Award Recipient, Chicago Foundation for Women, 2010; BPI 40 Who Have Made a Difference, 2009; Chicagoan of the Year, Chicago Magazine, 2007. Bristo is a Trustee of Rush University, a Life Member of the Rehabilitation Institute of Chicago, a member of The Chicago Network, and a Leadership Greater Chicago Alumni. She earned a B.A. from Beloit College and a B.S. in Nursing from Rush University. [/toggle] [toggle title="Hon. Robert W. Gettleman bio"] Robert W. Gettleman was appointed by President Clinton in 1994 as a Judge of the United States District Court for the Northern District of Illinois. His senate sponsor was Senator Paul Simon. Judge Gettleman is a graduate of Boston University (1965) and Northwestern University School of Law (1968). After graduating law school, he served as law clerk for two Chief Judges of the United States Court of Appeals for the Seventh Circuit, Latham Castle and Luther M. Swygert (1968-1970). After his clerkships, Judge Gettleman joined the Chicago law firm of D'Ancona & Pflaum, where he practiced specializing in civil litigation from 1970 until his appointment to the District Court in 1994. He was a member of the law firm's Executive Committee and chaired the Litigation Department. During his private practice, Judge Gettleman tried and argued cases before courts ranging from various state and federal trial and appellate courts to the United States Supreme Court. Throughout his career, Judge Gettleman was active in pro bono and public service endeavors. He was a commissioner on the Governor's Commission to Revise the Mental Health Code in the 1970s as well as the Illinois Guardianship and Advocacy Commission (for which he served as Chairman) in the 1980s through the early 1990s. He was on the board of Access Living of Metropolitan Chicago, were he was one of the initial members of that independent living centers' advocacy program. Judge Gettleman was also on the board of the John Howard Association (a prison watchdog organization) for more than 20 years and served as its President from 1978 to 1981. Judge Gettleman is also an adjunct professor at Northwestern University School of Law, teaching trial advocacy, and, with others, a disability law seminar. He was also on the Editorial Board of the American Bar Association's Litigation Magazine, for which he has written a number of articles. He has served on a number of committees of judges in the Northern District of Illinois, and for seven years served as a member of the Advisory Committee on Bankruptcy Rules for the Judicial Conference for the United States. He is currently a member of the U.S. Judicial Conference Committee on Audits and Administrative Office Accountability [/toggle] [toggle title="Hon. Jeffrey T. Gilbert bio"] Magistrate Judge Jeffrey T. Gilbert (N.D. Ill.) received his undergraduate degree from Washington University in St. Louis in 1977 (Phi Beta Kappa) and his law degree from Northwestern University School of Law in 1980 where he was Articles Editor of the Law Review. After graduating from Northwestern in 1980, Judge Gilbert spent two years clerking for Judge Marvin E. Aspen (N.D. Ill.). In 1982, Judge Gilbert joined Sachnoff & Weaver, Ltd., at the time a firm of less than 30 lawyers. He practiced with Sachnoff Weaver through and including its 2007 merger with Reed Smith LLP, an international law firm of 1,600 lawyers, and then until he was sworn in as a Magistrate Judge in May 2010. Judge Gilbert has been an adjunct professor at Northwestern University School of Law for the last 20-plus years. He teaches a course in the fall on trial advocacy and evidence and a disability law seminar in the spring. He also taught a graduate course on the first amendment and the media at Northwestern's Medill School of Journalism and in the NITA trial advocacy program. [/toggle]   Current Issues from the Trenches [raw][column size="1/2″] Hon. Rebecca R. Pallmeyer District Judge Northern District of Illinois [/column][column size="1/2″ last] Noelle Brennan Partner Noelle Brennan & Associates [/column][/raw] [raw][column size="1/2″] David Haase Shareholder Littler Mendelson [/column][column size="1/2″ last] Barry Taylor Vice President Equip for Equality [/column][/raw] Moderator Hon. Jeffrey T. Gilbert Magistrate Judge Northern District of Illinois [toggle title="Hon. Rebecca R. Pallmeyer bio"] Rebecca R. Pallmeyer graduated from Valparaiso University and earned her law degree from the University of Chicago Law School. Following a one-year clerkship with Justice Rosalie Wahl of the Minnesota Supreme Court, Judge Pallmeyer practiced in the area of commercial litigation for several years with the Chicago law firm of Hopkins and Sutter. From 1985 until 1991, Ms. Pallmeyer was an Administrative Law Judge with the Illinois Human Rights Commission, a quasi-judicial agency responsible for enforcement of the state's anti-discrimination laws. On October 1, 1991, Ms. Pallmeyer was appointed a United States Magistrate Judge for the Northern District of Illinois. She served as Presiding Magistrate Judge from 1996 until 1998. On July 31, 1997, President Clinton nominated her for a seat in the U.S. District Court in Chicago. The Senate confirmed her nomination on October 21, 1998. In March 2002 and April 2003, Judge Pallmeyer traveled to Romania to consult with Romanian court officials on judicial administration and court reform. Judge Pallmeyer has presided over dozens of civil and criminal trials, including the prosecution for public corruption of the former governor of the State of Illinois, George Ryan. She speaks frequently on practice and procedure in federal court and on substantive legal issues including, in particular, employment law matters. Judge Pallmeyer serves as a member on the Committee on Court Administration and Case Management of the United States Judicial Conference. She is an honorary fellow of the College of Labor and Employment Lawyers. fellow of the American Bar Foundation, and a member of the ALI-CLE Employment and Labor Law Advisory Panel. Since 2006, Judge Pallmeyer has served on the faculty for the annual ALI-CLE program, Current Developments in Employment Law, held in Santa Fe, New Mexico. Judge Pallmeyer is past President of the Lawyers Club of Chicago, Judicial Counselor of the Richard Linn American Inn of Courts, and an active member of the Chicago Bar Association, the Chicago Chapter of the Federal Bar Association, the Womens' Bar Association of Illinois, and the American Bar Association. [/toggle] [toggle title="Noelle Brennan bio"] Noelle Brennan has been in private practice engaged in plaintiff's employment discrimination and civil rights litigation since 2004 and is a founder and owner of Noelle Brennan & Associates, Ltd. Since 2004, Ms. Brennan has worked on both individual and class discrimination cases, including several large race discrimination and harassment class actions which resulted in significant injunctive relief and significant monetary damages. Previously, she spent seven years as a Supervisory and Trial Attorney in the Chicago District Office of the United States Equal Employment Opportunity Commission where she worked extensively on class action sexual harassment cases, including EEOC v. Mitsubishi, and EEOC v. Dial Corporation. Prior to joining the EEOC, Ms. Brennan was an associate at Katten, Muchin & Zavis. In August of 2005, she was appointed by U.S. District Court Judge Wayne Andersen to monitor the hiring practices at the City of Chicago and its compliance with the long standing Shakman Decree which prohibits political discrimination in all job actions. In November of 2014, she was appointed by U.S. Magistrate Judge Sidney Schenkier as a Special Master to review the State of Illinois' Department of Transportation's compliance with the Shakman Decree. She received her J.D. from DePaul University College of Law in 1995 and was the recipient of various academic awards. She taught Employment Discrimination and Individual Employment Rights as an Adjunct Professor at DePaul Law School and also regularly presents at legal seminars for both practitioners and business operators. [/toggle] [toggle title="David Haase bio"] David K. Haase has extensive experience representing employers in all aspects of labor and employment law. He has particular expertise in litigating wage and hour class/collective actions, unfair competition claims, such as non-competition agreements and trade secrets, and employee benefits litigation. David has litigated the full panoply of employment-related matters before the federal and state courts. David is the chair of Littler's Pro Bono Committee. He publishes frequently and lectures on a variety of employment law topics. Previously, David served as a judicial law clerk for the Hon. Charles R. Norgle, Sr., in the United States District Court for the Northern District of Illinois. [/toggle] [toggle title="Barry Taylor bio"] Barry Taylor is the Vice President for Civil Rights and Systemic Litigation at Equip for Equality, where has worked since 1996. At Equip for Equality, he has overseen many individual and systemic disability discrimination cases including successful federal ADA suits against the National Board of Medical Examiners, the Chicago Police Department, and the Chicago Transit Authority. He is currently co-counsel in five ADA class actions, including lead counsel in Ligas v. Norwood, a class action on behalf of people with developmental disabilities who are seeking community services. Barry has given numerous presentations on the ADA across the country to people with disabilities, family members, attorneys, employers, businesses, service providers and advocacy organizations. Barry has served as the Chairperson of the Disability Rights Consortium, Chairperson of the Regional Transit Authority's ADA Advisory Committee; Chairperson of Season of Concern, Chairperson of the Legal Committee for the National Association of Protection and Advocacy Systems, Chairperson of the Chicago Bar Association's Legal Aid Committee, Chairperson of the Chicago Bar Association's Mental Health and Disability Law Committee, and Co-Chairperson of the Chicago Bar Foundation's Pro Bono Week. He has been an Adjunct Professor at John Marshall Law School, and in 2001, Chicago Lawyer Magazine named him one of "40 Illinois Attorneys Under 40 to Watch." He has served on Senator Dick Durbin's Federal Judicial Screening Committee and currently serves on the Governor's Task Force on the Employment and Economic Opportunity for Persons with Disabilities. Prior to coming to Equip for Equality, Barry was the AIDS Project Attorney in the Midwest Regional Office of Lambda Legal working to advance the civil rights of people living with HIV/AIDS. His caseload included a successful challenge to discriminatory inquiries by the Chicago Public Schools on teacher applications. From 1988 – 1993, Barry was a litigation associate at the Chicago law firm of Peterson & Ross. He is a 1988 graduate of the University of Illinois College of Law, where he also received his undergraduate degree in 1985. [/toggle]     New Frontiers: Technology, the Internet and the ADA [raw][column size="1/3″] Hon. Sara L. Ellis District Judge Northern District of Illinois [/column][column size="1/3″] Dan Goldstein Partner Brown, Goldstein & Levy [/column][column size="1/3″ last] Condon McGlothlen Partner Seyfarth Shaw [/column][/raw] Moderator Hillary Coustan Partner, Agrawal Evans, LLP; Adjunct Professor, Loyola University Chicago School of Law and Northwestern University School of Law   [toggle title="Hon. Sara L. Ellis bio"] The Honorable Sara L. Ellis is a United States District Court Judge for the Northern District of Illinois. She was appointed to the United States District Court for the Northern District of Illinois by President Barack Obama in October 2013. Judge Ellis received a Bachelor of Arts degree in 1991 from Indiana University and a law degree in 1994 from Loyola University Chicago School of Law. She worked as a staff attorney at the Federal Defender Program in Chicago from 1994 to 1999. From 2000 to 2004 and 2008 through 2013, she worked in private practice in civil litigation and white collar criminal defense. From 2004 to 2008, she served as Assistant Corporation Counsel for the City of Chicago Department of Law, handling claims for injunctive relief and civil rights lawsuits. She is an adjunct faculty member at Loyola University Chicago School of Law, where she teaches federal criminal practice. [/toggle] [toggle title="Dan Goldstein bio"] Dan Goldstein, a partner in the Baltimore, Maryland law firm of Brown, Goldstein & Levy, LLP, has been practicing disability rights law, principally on behalf of the National Federation of the Blind, since 1986. In 1999, at the direction of his client, he began to focus on accessible technology, filing suit against and then settling with America Online to make its services accessible. Since that time, he has reached agreements with a variety of entities, including, among others, Amazon, eBay, Monster.com (with the Commonwealth of Massachusetts as a co-plaintiff), H&R Block (with the United States as a co-plaintiff), Target and Scribd (the last two resulting in written opinions). Other technology cases include Apple's iTunes U, ATMs, voting machines, accessible online absentee ballot marking tools, establishing conversion of copyrighted print books to accessible digital formats as a fair use and the use of assistive technology in taking the bar exam. [/toggle] [toggle title="Condon McGlothlen bio"] Mr. McGlothlen is a partner representing employers in equal employment opportunity and other employment law matters. He has extensive experience representing companies in complex employment matters, including class actions and pattern and practice cases, as well as developing and implementing advanced hiring, promotion, compensation, and separation systems. He has been recognized in Legal 500 as one of the six "Leading Lawyers" in the United States in the area of Workplace and Employment Law Counseling. One area of Mr. McGlothlen's subject matter concentration is the Americans With Disabilities Act. In 1989, he joined a handful of other attorneys to form the Firm's then "ADA Task Force" (even before Congress enacted the law). Shortly thereafter, that group submitted proposed regulations to EEOC, some of which were accepted; others that were rejected went on to become the law of the land under landmark U.S. Supreme Court cases like Sutton v. United Airlines (1999), Toyota Motor Mfg. v. Williams (2002), and U.S. Airways v. Barnett (2002). When Congress decided to amend the ADA by reversing some of those decisions, Mr. McGlothlen worked with the U.S. Chamber of Commerce to help ensure that the ADA Amendments Act remained largely true to the original ADA. And, when EEOC proposed regulations to interpret the amended ADA in 2009, Mr. McGlothlen again worked with the U.S. Chamber, together with Society for Human Resource Management, to see that management's viewpoint was considered (and in some instances incorporated) in the final ADAAA regulations. Throughout this time and since, Mr. McGlothlen has advised hundreds of employers on ADA compliance, has successfully tried ADA cases and argued several before the U.S. Courts of Appeal. He has also taught and published widely on disability law subjects. [/toggle] [toggle title="Hillary Coustan bio"] Hillary Coustan is a partner at Agrawal Evans LLP, where she practices complex commercial litigation. In addition to her business litigation experience, Hillary has successfully represented clients in disputes involving the Individuals with Disabilities Education Act and the Americans with Disabilities Act, and spent three years as the assistant director of the Child Law and Education Institute at Loyola University Chicago School of Law. She also teaches disability law at Northwestern University School of Law and Loyola University Chicago School of Law. Hillary is a graduate of Stanford Law School, where she was a public interest fellow and a teaching assistant in the Youth and Special Education Clinic. [/toggle]  

at Everett McKinley Dirksen United States Courthouse
219 South Dearborn Street
Chicago, United States

Orignal From: The Americans with Disabilities Act: Past, Present, and Future

WSQ Implement Incident Management Processes (PI-PRO-325E-1) Register: Run 59

WSQ Implement Incident Management Processes (PI-PRO-325E-1) Register: Run 59
WSQ Implement Incident Management Processes (PI-PRO-325E-1) [Pay only NETT Fees if you are eligible for Funding]     Incident Management Training suitable for SIC & SMC Overview of Course This course is designed to equip participants from various industries with CERT team with skills and knowledge to manage their incidents effectively at their premises as a Site Incident Controller (SIC) or incident leader. This is also a WSQ module accreditated by WDA. Aim of This Course This competency unit covers the skills and knowledge required by the person in charge of a facility to implement the incident management process during an emergency incident in a process facility. This unit covers the approach, structure, tools, processes, communication methods that can be utilised during an emergency incident. Who Should Attend? This course aims to provide people already workin in the process industry with the skills and knowledge required to Implement Incident Management Process. It is targeted at individuals who are currently supervisors or senior technicians from all sectors such as: Process Industry Construction Industry Hospitality Industry Retail Industry Healthcare Industry Commercial Industry The competency unit would be appropriate for those with operational responsibilities. Course Objectives Interpret incident management approach and structure to ascertain the scope and severity of the emergency. Utilise incident management areas and processes to implement emergency response strategies. Utilise appropriate communication methods when management an incident to control all internal and external resources. Control and maintain incident management process to assess information on status of the emergency. Undertake post emergency evaluation and debrief. Course Content 1. The implications of statutory and organisational requirements. 2. Standard operational requirements. 3. The value of a well written Incident Management Plan. 4. The functional approach to Incident Management. 5. Characteristics of the plant, equipment and facility and associated facilities during emergency situations. 6. Importance of maintaining effective communications (fixed or mobile) with relevant personnel (supervisors, operators, etc). 7. The roles and responsibilities of Incident Management Team members. 8. Command and control principles and techniques. 9. Types of Incident Management tools and resources. 10. Types of appropriate emergency response equipment. 11. Incident mitigating and suppression techniques and strategies. 12. Transition from mitigation operation phase to recovery phase. 13. Emergency response evaluation and debriefs. 14. Identification and communications to relevant stakeholders and government agencies. Time: 9.00am to 6.00pm ( 1 day) Course Fees: S0 per pax (all inclusive) Course Fees Funding: [Eligible participants only need to pay Nett Fees only] Who are eligible for Funding Description Full Course Fees Course Fees Funding Nett Fees after subsidy SME sponsored employee (Singaporeans and PRs) 90% of course fees capped at /hr 0 0 Non-SME sponsored employee (Singaporeans and PRs) 50% of course fees capped at /hr 0 0 0 SkillsFuture Mid-career Enhanced Subsidy   (Singaporean employee or individual aged ≥ 40 years) 90% of course fees capped at /hr 0 0 Workfare Training Support Scheme   (Singaporean employee or individual aged ≥ 35 years & earning ≤ 00/ month) 95% of course fees 0 7.50 .50 Individual Sponsored (Singaporeans and PR aged ≥ 21 years) 50% of course fees capped at /hr   0 0 0 *Funding may vary. Please refer to www.skillsconnect.gov.sg for more details Accreditation: WSQ Advanced Certificate Module / SCDF: 10 CPD points                                                         FAQs   How much is the training fees?  S0 per pax (all inclusive of training materials, assessment fees and refreshments).  Eligible participants only need to pay for Nett fees. Please refer to the funding table above.   Is this course subsidized?  Company sponsored participants (Singaporeans & PRs) can apply for subsidies under the WSQ funding scheme. For more details of the subsidies, please refer to www.skillsconnect.gov.sg.  Eligible participants only need to pay for Nett fees. Please refer to the funding table above.   What are my transport/parking options getting to the event? The directional details will be sent to participants upon registration of this training.   Where can I contact the organizer with any questions? You can contact the administrator at admin@certcg.com   Is my registration transferrable?  Your registration can be transferred but you will have to inform the Administrator at admin@certcg.com at least 7 working days in advance.   How do I pay for the training?  Upon registration, an invoice will be sent to your registrated address. Payment can be done by cheque. If credit card payment is preferred, do inform the Administrator at admin@certcg.com. a payment link will be sent to you. Please note that training is only confirmed with full payment.    What is the refund policy?  The Company does not refund but you are allowed to transfer your seats. Please give notice of at least 07 working days.   The name on the registration doesn't match the attendee. Is that okay?  As Certificate will be issued upon completion of this training, please ensure that your details are correct.  

at Landmark Village Hotel
390 Victoria Street 1
Singapore, Singapore

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