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We are there when you need us:

We help people from every corner of the state of Connecticut including Avon, Berlin, Bloomfield, Bridgeport, Bristol, Burlington, Canton, Cromwell, Danbury, Ellington, East Windsor, East Hartford, Farmington, Glastonbury, Granby, Groton, Guilford, Hamden, Hartford, Kent, Killingly, Litchfield, Madison, Meriden, Middletown, Milford, Naugatuck, New Britain, New Haven, Newington, North Haven, Norwich, Old Lyme, Old Saybrook, Orange, Rocky Hill, Roxbury, Salem, Salisbury, Simsbury, Southington, Stonington, Stratford, Suffield, South Windsor, Torrington, Trumbull, Union, Washington, Waterbury, Willimantic, Wolcott, Woodbridge, Woodbury and all points in between.

We are also now helping people in towns across Massachusetts and Rhode Island.

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No fees or costs of any kind unless we are successful!

OFFICE LOCATION

RisCassi & Davis, P.C.
131 Oak Street, P.O. Box 261557
Hartford, Connecticut 06126
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San Francisco Personal Injury Law Firm

At Blackman Legal Group, our San Francisco personal injury law attorneys help the seriously injured get financial compensation for the catastrophic injuries they have suffered.
Our personal injury attorneys bring considerable experience to bear on every case we handle. Our lawyers have at least 12 years of practice experience, and are first and foremost trial attorneys. Our experience encompasses a broad spectrum of personal injury claims, from whiplash to serious and catastrophic personal injury actions, including traumatic brain injury, spinal cord trauma and paralysis, amputation and loss of limb. Our lawyers also have extensive experience handling wrongful death claims. Call Us Toll-Free at 866-692-8126.

Some of Our Results

  • $10,000,000 Verdict For a construction worker who suffered catastrophic leg injury due to product failure at a construction site. **
  • $9,000,000 Settlement For a brain injured man in major car accident. **
  • $6,500,000 Verdict For a family whose father was crushed to death during an accident while working on a subway tunnel. **
  • $5,200,000 Verdict For a 60 year old delivery man whose back was seriously injured when an elevator made an abrupt stop, requiring reconstructive back surgery, and resulting in permanent disability.
  • $4,000,000 Verdict For the family of a 40-year-old who was burned to death in a car accident due to a defective fuel system in a Toyota. **
  • $3.1 Million Settlement For a young mother who suffering a severe spinal cord injury in a head-on car collision.

**Result obtained by Patrick McNicholas of McNicholas McNicholas, LLP

Free Consultations No Attorney Fees Unless We Win

If you have been injured through the negligence of another, you have rights and deserve full compensation for your serious injury. Contact Blackman Legal Group to discuss your personal injury claim and how we can help. All initial consultations are free, and attorneys fees are paid only from the settlement in a case.

We represent accident victims throughout California from our law offices in San Francisco, Redwood City, Los Angeles, Sacramento and San Diego. Our experienced personal injury attorneys also serve injured out-of-state travelers who are hurt on vacation and Americans who are injured while traveling abroad.

If you need an experienced and knowledgeable attorney to handle your personal injury case, our lawyers are ready to help you.
Call 866-692-8126 to arrange your free initial consultation with an experienced personal injury attorney.

Putting Our Experience to Work for You

The attorneys who are affiliated with Blackman Legal Group have outstanding records and credentials in their areas of practice. Founder and CEO Clifford A. Blackman has extensive experience and skill in handling injury cases involving spinal surgeries, brain surgeries and other catastrophic injuries. He uses the expert testimony of medical specialists and life care planners to help build strong cases designed to secure maximum compensation for his clients.

Going Beyond Legal Representation

Our firm is known for its aggressive, effective representation but we do much more. We also assist clients with medical care options and advise them on insurance coverage. We are committed to outstanding client service.

For additional information, please visit our other websites, or read interesting and useful articles on our blog:



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Replacing a Water Heater Cost

There are two basic types of water heaters: the traditional kind with a storage tank and tankless water heaters. which heat water as needed.

  • With all needed parts and labor, hiring a plumber to install a traditional gas water heater costs $300-$3,500 or more, depending on capacity (with 40 or 50 gallons the most common sizes); length of warranty (typically 5-12 years); and the amount of repairs required to meet current building codes. CostHelper readers report paying an average cost of $948 for a 40 gallon unit (ranging $360-$2,800); an average cost of $1,211 for a 50 gallon unit; and an average cost of $1,937 for a 75 gallon unit (ranging $1,300-$3,588).
  • A tank-style gas water heater can also be purchased at a home improvement store, plumbing supply house or online retailer for $230-$2,000 or more, with installation done separately. Installation costs vary significantly depending on who does the work; the condition of the water heater hook-ups, and if any adaptations are needed to install a new, larger unit in the space. If extensive work is required, installation can cost as much as or more than the water heater. CostHelper readers report paying $70 -$1,706 for installation, for an average expense of $630 .
  • An electric water heater can cost $400-$3,000 or more for complete installation of a conventional storage-tank model and $1,800-$4,500 or more for a tankless model (including a 220V/240V outlet). Electric water heaters typically cost less than gas units but are more expensive to operate.
  • Solar water heaters cost $1,000-$5,000 or more, with installation usually included in the purchase price.
  • A central, whole-house, gas tankless water heater can cost $800-$3,000 or more, without installation. Because tankless systems typically require the addition of a 220V/240V outlet and/or larger-diameter gas pipes than found in an average home, installation can bring the total cost to $1,800-$5,000 or more.

Related articles: Re-Piping a House. Replacing Copper Pipes. Replacing Galvanized Pipes. Tankless Water Heater. Plumber. Flooded Basement

What should be included:

  • Generally, a one- to two-person household needs a 30-40 gallon water heater while a household of five or more needs 50-80 gallons. However, a tank that puts out more than the household uses hourly wastes money and energy heating extra water. Tankless systems avoid that cost and take up less space, but more than one unit might be needed to shower and run a dishwasher at the same time. The U.S. Department of Energy describes the different types of water heaters [1 ] .
  • Replacing an old water heater with a similar but updated model is relatively straightforward, but new and more-energy efficient units are often larger, and might not fit the existing space or hook-ups.
  • Check with the local planning department; a permit and inspection may be required. Replacement water heaters typically are required to meet current building codes, which may mean upgrading the existing water and gas lines, installing new valves and other parts, and the addition of an expansion tank [2 ] to minimize pressure build-up.

Additional costs:

  • Less expensive units may cost the most to operate. The U.S. Department of Energy explains how to estimate and compare water heating costs [3 ] .

Discounts:

  • Do-it-yourself installation is possible, but can be challenging. This Old House explains how to replace a water heater [4 ]. calling it a moderate-to-difficult project that takes 2-4 hours and requiring basic plumbing skills plus the strength to wrestle out the old unit and carry in the new one. CostHelper readers report paying $385-$750 for do-it-yourself installation of new water heater, at an average cost of $574, while a New Jersey reader reports paying $2,500 a plumber (triple the normal rate) to fix the botched do-it-yourself installation of a 40-gallon water heater.

Shopping for replacing a water heater:

  • EnergySavers.gov lists tips for selecting a new water heater [5 ] .
  • CIDNetwork.com lists tips for choosing a plumber [6 ] .
  • Get several estimates. Request and check references, and be sure the company is properly bonded, insured and licensed [7 ]. Search for any complaints with the>AA www.bbb.org/us/Find-Business-Reviews/>Better Business Bureau .
  • A written contract should include a detailed outline of the work required and materials to be used, and dates within which the project will be done.


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Attorney Profiles

Each of our three named partners serve on the Connecticut Board of Governors for the Connecticut Trial Lawyer’s Association. Our attorneys are leaders in professional and community organizations, frequent authors, and lecturers on topics of interest to the legal professionals, and skilled trial lawyers in Connecticut.

To learn more about the professional background of each of our attorneys, click on his or her name below.

Bridgeport: (203) 331-8888
Danbury: (203) 744-4707
Middletown: (860) 343-1051

Bridgeport: (203) 331-8888
Danbury: (203) 744-4707
Middletown: (860) 343-1051

Bridgeport: (203) 331-8888
Danbury: (203) 744-4707
Middletown: (860) 343-1051

Bridgeport: (203) 331-8888
Danbury: (203) 744-4707
Middletown: (860) 343-1051

Bridgeport: (203) 331-8888
Danbury: (203) 744-4707
Middletown: (860) 343-1051

Bridgeport: (203) 331-8888
Danbury: (203) 744-4707
Middletown: (860) 343-1051

Bridgeport: (203) 331-8888
Danbury: (203) 744-4707
Middletown: (860) 343-1051

1000 Lafayette Blvd

Bridgeport. CT 06604

Phone: (203) 331-8888 Fax: (203) 333-4650

Danbury. CT 06810

Phone: (203) 744-4707 Fax: (203) 333-4650

100 Riverview Center
#201

Middletown. CT 06457

Phone: (860) 343-1051 Fax: (203) 333-4650

* AV, BV, CV are registered certification marks of Reed Elsevier Properties, Inc. used in accordance with the Martindale-Hubbell certification procedures, standards, and policies. Martindale-Hubbell is the facilitator of a peer review rating process. Ratings reflect the confidential opinions of members of the Bar and the judiciary. Martindale-Hubbell Ratings evaluate two categories – legal ability and general ethical standards.

We serve the following localities: Litchfield County, Torrington, New Milford, Fairfield County, Danbury, Bridgeport, Stamford, New Haven County, New Haven, Waterbury, Southbury, Middlesex County, Middletown, Hartford County, Hartford, Bristol, New Britain, Tolland County, Tolland, Rockville, Vernon, Windham County, Windham, New London County, New London, and Norwich.

Attorney Profiles. Bridgeport, Connecticut Personal Injury Lawyer Adelman Hirsch & Connors LLP



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Changes Chapter 13 Plan

If my salary changes after I file Chapter 13, what impact would this have on my monthly obligations?

There is no simple answer to this question, so this may take a bit.

Under the bankruptcy code, you may be required to contribute your projected disposable income toward plan payments for the first 36 months of the plan. (I say may because the code [11 U.S.C. � 1325(b)(1) ] only requires you to contribute your full disposable income to plan payments if the trustee or a creditor require it. Our experience is that the trustee always requires it, at least at the start of the plan.) Whether changes in your salary will require changes in your plan payment depends on when and how much the salary changes, as well as other changes in your circumstances.

  • When your income changes.
    1. Before the plan has been confirmed. After the case has been filed, but before the court has entered an order making it binding on creditors (which may take about 6 months), the Trustee will be looking closely at your disposable income and will require that plan payments be consistent with your disposable income.
    2. After the 36th month of the plan. If your plan is longer than 36 months in length, the code makes no specific requirement that disposable income be contributed to the plan beyond the first 36 months. Locally, the trustees have accepted this limitation and have not asked for increases in plan payments based on increased income after the 36th month.
    3. After your plan has been confirmed, but within the first 36 months. There is some authority to suggest that the plan is confirmed based upon projected disposable income and that changes in your income do not necessitate changes in your plan payments. Our experience has been that the trustee does not accept that view and will ask that your payments be adjusted if your disposable income changes significantly. If this view were rigidly adopted, the trustee would have to monitor your income closely. The trustee does not do this, and there is authority to suggest that this is beyond the scope of his duties. Locally, one trustee has been requiring that debtors provide him with copies of income tax returns for the first two years of the plan. If he finds a significant increase in income, he asks for an amended budget to determine whether disposable income has increased. If it has, he asks for an increase in plan payments.
  • How much the salary changes, and other changes.
    The plan payments are based on disposable income, not just income. Disposable income is that portion of your income left over after you meet all of your reasonable living expenses (all of your expenses including not just rent/mortgage, utilities, food, clothing, but reasonable allowances for recreation, etc.). If your income goes up, but so do your expenses, there would be no change in disposable income. If your disposable income does go up significantly, the trustee may ask for an increase in your payments. If your payments increase, and if the length of your plan is greater than 36 months, the increase in payments is usually accompanied by a reduction in the length of the plan. In such a case you would simply be paying the plan off sooner.

Can I sell a car which secures a debt being paid by my Chapter 13 plan?

The short answer is yes , but it may not be practical.

If you do sell a vehicle which is being paid by the plan, the debt secured by the vehicle will no longer have to be paid in the plan. However, payments will still go to the secured creditor unless you modify the plan. You may ask that your plan be modified to remove the car payment, which may allow the plan to be reduce in length or the amount of payments. Even if you modify your plan, you will still be required to contribute your disposable income to the plan during the first 36 months.

It has been our experience that it is usually not practical to sell a vehicle being paid for by the plan. It is rare that a vehicle is worth more than the balance owed on the loan. In order to sell the vehicle, the full balance owed to the creditor must be paid–not the reduced amount that must be paid to the creditor under the plan. The full balance is greater than a buyer would be willing to pay.

If you decide that you no longer want the vehicle, it is generally possible to give it back to the creditor even if you cannot find a buyer. In that case the plan can usually be modified to remove payment of the vehicle from the plan and possibly reduce the length of the plan or the amount of the payments.

Can I pay off my Chapter 13 plan early?

You can pay ahead a few months on your plan without any problems. Whether you can pay the entire balance of you plan off depends on how many months you are into your plan, and how much of the debt your plan actually pays:

  1. You can if your plan pays off 100% of all of your bills. If your plan pays all of the creditors 100% of the debt, you can pay off your plan at any time. Most Chapter 13 plans significantly reduce the amount of money you have to pay back to creditors in order to discharge all of your debts.
  2. You may not be able to if you have completed less than 36 months of your plan. If you have completed less than 36 months of your plan, the Chapter 13 trustees may object to an early payoff. This is because � 1325(b) of the code allows the Trustee and unsecured creditors to require that debtor pay all of their projected disposable income for three years into the plan. The trustees that object to early payoff believe that they should be able to increase the amount paid into the plan if the debtor’s disposable income increases during this three year period, and if an early payoff is allowed they will not be able to do this.
    However, a number of cases supported the granting of a discharge where the plan has payments are made earlier than the 36th month:
    • Matter of Casper, 154 B.R. 243 (N.D.Ill. 1993) [Debtors discharged their obligation under plan by paying to trustee sufficient funds to cover the 10% owed on unsecured creditors’ claims as provided by plan; trustee’s subsequent motion to modify plan was denied.]
    • In re Smith, 237 B.R. 621 (Bkrtcy.E.D.Tex. 1999) [Debtor was entitled a discharge once she used gift from her family to make lump sum payment of all monies due and owing and expected to be paid under her plan even if received several months before minimum 36-month term of plan.]
    • In re Easley, 205 B.R. 334 (Bankr.M.D.Fla. 1996) [Debtor moved to accelerate plan payments, using money loaned by debtor’s parents and the Trustee objected. The court held that debtor was not required to increase plan payments with loaned funds.]
    • Matter of Koerperich, 5 B.R. 752 (Bkrtcy.D.Neb. 1980) [Debtor who files a zero-payment plan has completed the payments under the plan and is eligible for a discharge.]
  3. You probably can if you have completed 36 months of your plan. If you are in the 36th or later month of your plan, the Chapter 13 trustees will usually accept payment of the balance of the plan payments at any time.

What is the balance of my Chapter 13 plan?

In most of cases filed by our office, you can easily calculate the balance you will need to pay to complete your plan. Look on the first page of the order confirming the plan which was mailed to you after your plan was confirmed. Find the amount of your payments in paragraph 1 (Future earnings or income) and the length of the plan in paragraph 2 (Duration). Multiply the amount of each plan payment from paragraph 1 times the number of months which have not been paid from paragraph 2. If your plan has been modified, you will also need to check each modification order to see if the payment amounts or duration have been changed. There is no deduction in interest for an early payoff or any early payoff penalty.

Our office does not handle payments or the records of what payments have been made. If you want a statement of payments made or of the balance due, you will need to contact your trustee directly.

These questions and answers are not intended as legal advice or as a statement of the law. They are intended to suggest areas which you should discuss with your attorney.

Although Bankruptcy law is Federal code applicable to all states, the way it is applied may depend upon state law and varying practices of the courts, trustees, and even attorneys. As a result, some of these answers are directly applicable only in cases filed by our office in Arizona.

This page was last revised: 09/18/04



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Car insurance done differently for low mileage drivers

With traditional car insurers, if you drive less than the average motorist, you end up subsidising the premiums of higher mileage drivers. We don t think that s fair.

We do it differently. After our monthly subscription to cover your car when it’s parked, we’ll only charge you for the exact number of miles you drive.

We’re launching soon

Join the waiting list now

How does it work?

Plug our free Miles Tracker into your car – this usually goes in under your car’s dashboard.

We’ll measure your driving distance, so we know how much to charge you.

Download our mobile app to see your journeys and unlock handy features – and you’re good to go.

How much could you save?

A better way to pay

Our hassle-free car insurance puts you back in control.

FAIRER PRICING

Apart from your monthly subscription fee, you only pay for the miles you drive – and nothing else.

TOTAL TRANSPARENCY

Instantly see the exact cost of every journey in-app or online, with itemised monthly bills.

EASIER TO MANAGE

Stay in complete control with useful reports and reminders to cater for all your driving needs.



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Welcome and thank you for visiting ShopFloridaDetox.com. The goal of this website is two fold –

To provide patients with valuable information regarding the use of natural supplements for optimization of brain and body health, and to provide a convenient source by which they can conveniently order quality supplements from the comfort of homes.

Dr. Sponaugle is an Integrative Physician who is Board Certified in two specialties, Addiction Medicine and Anesthesiology. He is a Fellow of the American Board of Addiction Medicine and the American Board of Anesthesiology. He is a member of ACAM, the American College for the Advancement of Medicine.

A pioneer in the field of addiction treatment, anti-aging medicine, treatment of brain disorders and neurodegenerative diseases, Dr. Sponaugle integrates modern brain science with anti-aging treatment modalities, to reverse brain aging and restore optimal brain function in his patients.

Dr Sponaugle recently filmed a TV interview with Suzanne Somers where he discussed various biochemical causes of addiction.

Dr. Sponaugle is a co-author of “The Road To Perfect Health: Balance Your Gut, Heal Your Body, A Modern Guide To Curing Most Chronic Disease.” This book is also the subject of Brenda Watson’s national PBS special of the same name. Brenda interviewed Dr. Sponaugle regarding the gut – brain connection. Dr Sponaugle explained the biochemical mechanisms by which a toxic gut causes depression and anxiety in so many Americans. Watch Dr. Sponaugle’s interview below.



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Recovery and Self Discovery

Four Winds Ranch Recovery Center is a creative, affordable, residential care option developed specifically for adolescent females.

One of our main goals is to support the individual through the beginning stages of recovery while also assisting with the development of initial educational and vocational choices and decisions. The chemically dependent young person will usually have academic problems and often a poor work ethic. For this reason, many young recovering people need the support of a structured, long-term care program.

Mission Statement

Four Winds Ranch Recovery Center’s mission is to provide the highest level of professional care in the area of alcohol and other drug dependence including co-occurring disorders to adolescent females ages 14 to 18. Our primary goal and objective is to provide a comprehensive, holistic, and individualized treatment program designed to maximize the recovery potential for each young woman who suffers from the disease of addiction and the life damaging behaviors that accompany the disease. Our hope for each young woman is to achieve recovery as evidenced by abstinence from mood altering substances, increased self-awareness, serenity, spirituality, and a sense of self-worth.

Facility and organizational documents are available upon request.

We offer teen drug addiction treatment for male adolescents that meet the following criteria.

  • Adolescent Females Ages 14 18
  • Medically Stable

Our program typically lasts a minimum of 90 days. In most cases our staff can work with your teen s school to ensure they do not lose credit. Most insurance providers require a diagnosis of Chemical Dependency to provide substance abuse treatment services.

Please give us a call today to speak with an admissions specialist (405) 260-0212



#chicago interior design

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THE CAMPAIGN FOR SAIC

THE CAMPAIGN FOR SAIC

THE CAMPAIGN FOR SAIC

Adult Programs. Interior Design Certificate

Stay Connected

In the Interior Design Certificate, students develop the necessary skills to design interior spaces while studying current design concepts and trends. This program is ideal for those interested in developing a portfolio to accompany college admissions applications, and individuals wishing to undertake personal projects.

Note: Students enrolled in the Interior Design Certificate should have access to a Mac or PC computer. Before starting this program, students should feel comfortable navigating the directory structure and creating, deleting, renaming, and moving files and directories without assistance.

New requirements – effective fall 2016 – can be completed in one year at a rate of two courses per semester and include the following:

Studio Courses (4)

  • Color Theory (formerly Color Theory for Designers )
  • Digital Drawing: Objects and Spaces
  • Hand Drafting and Rendering for Designers
  • Introduction to Architecture
  • Introduction to Interior Design

Total required courses: 6

Interior Design Certificate students can select and organize the studio course sequence according to their personal interests.

Reflecting the degree program’s interdisciplinary approach to an art and design education, all Adult Continuing Education courses are eligible electives for all certificate programs.

Note: Required courses are not offered all semesters (fall, spring, summer). Please contact Continuing Studies for suggestions on organizing your course sequence.

For 150 years, the School of the Art Institute of Chicago (SAIC) has been a leader in educating the world s most influential artists, designers, and scholars. Located in downtown Chicago with a fine arts graduate program consistently ranking among the top programs in the nation by U.S. News and World Report. SAIC provides an interdisciplinary approach to art and design as well as world-class resources, including the Art Institute of Chicago museum, on-campus galleries, and state-of-the-art facilities. SAIC s undergraduate, graduate, and post-baccalaureate students have the freedom to take risks and create the bold ideas that transform Chicago and the world as seen through notable alumni and faculty such as Michelle Grabner, David Sedaris, Elizabeth Murray, Richard Hunt, Georgia O Keeffe, Cynthia Rowley, Nick Cave, Jeff Koons, and LeRoy Neiman.

Quicklinks

Gateways



#interior design malaysia

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Interior Designer Malaysia

Interior Designer Malaysia Overall rating: 5 based on 1 reviews

Interior Designer Malaysia

We are Malaysia Interior Designer company that provide interior design services.

For houses and buildings, the interior design is as significant as the exterior design. While beautiful and modern exterior designs of houses and buildings make the owners feel prideful and draw the attention of visitors and guests, good and absorbing interior designs of houses make people who live there convenient and create pleasant feelings.

Malaysia Interior Designer

Interior Designer Malaysia is an interior design company base in Kuala Lumpur. Considering interior designs of houses and buildings, several facility types can be identified: residential, administrative, hotel, educational, medical, warehouses, recreation, etc. Interior design plays a main role in any of these types of buildings.

Malaysia Interior Designer

Interior Design Company Malaysia

In fact, home means the world to each person. Every one has a dream house in his mind. People ensure that their home interior design is at their desired way. More than that, some of the interior design of administrative or office buildings must conform to the international standard and principles.

Interior Designer Kuala Lumpur

To create an elegance and efficient interior design, we consider some essential factors; space, color, furniture, lightning and entertainment facility. These factors should be taken into account and decided prudently. For instance, if you own a medium size apartment and you buy many furniture and entertainment facilities, your interior space will be in complete chaos. Thus space restrictions are very important to consider. We can consult you about your intentions to get desired results.

Interior Design

To create an excellent house or building, paint color is a crucial element. Choosing appropriate paint colors for houses and buildings is a difficult decision. Each color represents some feelings. Thus colors must be chosen carefully.

Interior Designer Malaysia

Designing a building’s interior consists of several phases, which are:

In this phase we answer necessary questions from you in order to understand what you want to achieve.

Based on the programming phase, in this stage we design the interior of the building schematically.

In these phase we deal with all details and fix possible problems in schematic design.