Archive | December 2016

Your Rights as a Renter

As a tenant in the Chicago area, it is important to know and understand your rental rights and responsibilities. You are needing to break your lease. Maybe you’ve gotten a new job, lost your job, you live in an undesirable neighborhood. Are you purchasing a home? Moving in together, or ending your relationship? Whether it’s one or a number of different reasons, you should educate yourself on your chicago tenant rights prior to renting.

When you rent, you will most likely be asked for a security deposit. This is money that the landlord keeps in the case of any damages or repairs needed for the time you are renting from them. In Chicago, the security deposit is the property of the tenant. The landlord is simply holding the deposit, and should be holding it in a separate account which bears interest. After moving out, the landlord is given 45 days to notify you of any damages. If you are not notified, the landlord is then obligated to return he security deposit to you. In the event there are repairs to be made, he or she must furnish the paid receipts within the following 30 days.

It would be in your best interest to notify a security deposit lawyer in the event of any of the following: you have moved and your landlord has not returned your deposit, they have failed to pay interest on your security deposit, they have claimed your deposit for invalid repairs, or you have only received partial payment back. There are proper procedures to be followed in a situation where you are taking your landlord to court. You may contact The Illinois Tenants Union, as well, at (773)478-1133. Residents living in the Chicago and Evanston areas are governed by the RLTO, or Residential Landlord and Tenant Ordinance. The Illinois Tenants Union serves individuals who rent houses, condos, or in apartment buildings. They are your advocate if you are a residential renter.

Your landlord may only keep your security deposit after you’ve moved if you have moved out owing rent, or you have damaged something in the apartment. The key to a good relationship between you and your landlord is knowing your responsibility as a renter, and knowing your rights. You can receive further information regarding your rights by contacting the Chicago Rents Right hot-line at (312)742-RENT.

This entry was posted on December 19, 2016, in Legal.

California Auto Insurance Quotes

Auto Insurance in California When i see the  californiaautoinsurancerates.org website purpose of the legislation … it really is designed to compel extra- provincial insurers whose insureds are involved in an automobile accident within the province to provide no-fault accident benefits equivalent to those prescribed in the B.C. non-government scheme. For instance, an Alberta insurer cannot inform an individual injured by its insured in Bc that the Alberta policy will not contain B.C.  benefits and thus they are not due. Inside the state, a narrower approach appears to have been adopted by the Court of Appeal in MacDonald v. Proctora case dealing with a claim against a Manitoba insurer which had filed with the state Superintendent of Insurance an undertaking similar essentially to paragraph 2 of the reciprocity section (containing no reference to no- fault benefits). The court stated. . . the undertaking filed simply precludes an insurer from creating defences which can not be setup by an The state insurer by virtue of the Insurance Act. I cannot browse the undertaking as an agreement to add into extraprovincial policies dozens of things that hawaii Insurance Act obliges an Their state policy to add.

However, in Schrader v. U.S. Fidelity & Guaranty Co. ,  the Divisional Court’s approach more www.californiaautoinsurancerates.org  closely resembled that in Shea. The plaintiff, who was from Ny and insured there, claimed The state unidentified motorist coverage from her insurer with respect of your accident which took place The state. The claim took it’s origin from the reciprocity portion of the state Insurance Act. It was held that, due to section 25, the reciprocity section within the state Act, the insurer could not positioned in The state any defence based on its policy which conflicts using the mandated coverages and limits provided by the Insurance Act. Learn more at californiaautoinsurancerates.org!

Today The arguments apply regarding both  www.californiaautoinsurancerates.org paragraphs from the reciprocity section in those provinces high isn’t any express reference to no-fault insurance in any way. The relevant legislation relating to the government-administered scheme in British Columbia,  Manitoba  and Saskatchewan  clearly restrict their reciprocity sections to liability insurance. But, in Alberta, Newfoundland, and P.E.I., the situation is in doubt as a result of two approaches represented by Proctor and Shea (and Schrader) respectively. The rationale for applying reciprocity to minimum levels as well as other relation to liability insurance just isn’t necessarily applicable when it comes to no-fault insurance. Please visit the official State of California Website.

Updating Your Smoking Habit

Smoking traditional cigarettes just doesn’t make sense anymore. Forget all the health issues that it causes to the smoker and those that spend time around them, smoking just isn’t something that makes sense in one’s life anymore. While you may have been able to live with the idea that you were doing permanent damage to your body, you could at least do it in most places that you went, and without taking out a mortgage on your home to buy a few packs. Today, there are so many anti-smoking laws in place that doesn’t just make smoking illegal in most indoor and outdoor locations, but it also taxes cigarettes so much that it cost’s around 8 Pounds to buy a single pack. If you are still committed to the old cigarette, it’s time to realize that there is no place in your life for it. You need to make the switch to an Electronic cigarette.

While it is always best to quit smoking completely, that just may not be in the cards for you. While you would love to quit, you would also love to quit your job and sail around the world making money by finding shipwrecked gold. In other words: while you would love to do it, reality says otherwise. If you do need to smoke, an Electronic cigarette allows you to do it more freely, and for a lot less than it would cost you to smoke traditional cigarettes. Add in the fact that you are inhaling steam, and not smoke laden with over 2000 different types of chemicals, and you have a no-brainer.

With Electronic cigarettes, you can smoke in places where you just can’t light up traditional cigarettes, such as restaurants, pubs, hotels, office buildings, parks, etc., etc. No longer do you have to go out of your way just to light up a cig. In terms of cost, you can cut up to 75% of your expenses by switching from traditional cigarettes to e-cigs. Five refill packs of E liquid cost around 8 Pounds and is good for the equivalent of 100 cigarettes. If you went the latter route you would end up paying almost 35 Pounds for the same amount of puffs.