Whilst talking to my sister last night we got onto the subject of making a will and the best way to go about it. We were discussing whether it was better to have one made at the solicitor’s office or to get one of the homemade varieties done. Both have negatives and positives attached to them and it really is a matter of personal choice for each individual or couple.

Getting a professional will made is the path that most people take and this has a couple of advantages. Firstly, somebody else deals with all the legalities and hassle of drawing up the will, getting it signed and keeping it updated. Secondly, it is harder to contest a will made by a solicitor and in many people’s minds it is more legally binding, and thirdly there will always be copies available at your solicitor’s office. The only problem is that these services often come with a hefty price tag as well as having to find the time to actually go and get it done. Also some people distrust solicitors and avoid having to deal with them whenever they can.

These days it is possible to pick up a free will making kit at your local post office and providing that you follow the instructions properly, it is a legally binding document. Apart from being free of cost, this also means that you can change your will whenever you wish to without having to go and see your solicitor of pay a consultation fee. The problem is that you need to make sure that you keep it save and updated and let someone know where to find it in the event of your death, since it will be the only copy available. Also many people will need convincing that it is a legally binding testament of your wishes.

The thing that made me laugh was the story that my sister told me, regarding an old woman that she knows, who changes her will every week! Apparently this woman goes to the post office each week and along with her pension, collects a new will making kit and fills in the details each week with new items and different beneficiaries.

In the latest version she changed her mind about whom to leave her treasured Hungarian goose down duvet and Hungarian goose down pillows to. These will now go to her oldest daughter while her younger one will get her Siberian goose down duvet and no pillows. Her middle child recently upset her and so he will be getting the cheap memory foam mattress which she picked up at a local bed linen sale and which she has every intention making sure that she dies on! We are all waiting to see what she will decide on changing next week, with her son fervently trying to make his peace so that he gets a better deal and has something with happier memories attached to it. I will keep you informed!

All seasons’ Cheap memory foam mattress and Siberian goose down duvet are available at this shop in affordable price. We provide the online services, bed linen sale online and people rush to buy them.

Nonqualified Real Estate Retirement Plans

If you’re in the field of commercial property management, you might own an apartment building or two. You might have a retirement plan separate from your investment, and it is probably a qualified retirement plan.

Qualified retirement plans are the IRS’s answer to the people’s complaints. The employer contributes to the retirement plan now and the employee pays taxes now, or the employer contributes to the plan at some later date and the employee pays taxes at some later date; this is how it was previously. The IRS then came out with qualified retirement plans which allow the employer to contribute to the plan now, but the employee can delay paying taxes until some future date.

In exchange for these generous tax rules, the IRS imposes strict restrictions. Certain nondiscriminatory rules must be followed as well as a number of other rules. All in all, these rules end up being very restrictive, effectively “sanitizing” the plan; they make the plan not really that good, but not really that bad either.

Non-qualified plans are often more generous but are subject to more strict tax rules, but not always. Non-qualified plans are a broad category. Essentially, they are not a category, they are simply everything other than qualified plans.

Now, let’s make our own non-qualified plan. We’re looking for four main things:
– Liquidity
– Tax advantageous
– Safety
– Adequate rate of return

Liquidity is important because you may need to access your funds in time of great financial danger. Although Douglas R. Andrew touts this as a critical factor in his book Missed Fortune 101, we tend to side with the idea that liquidity, or marketability, is second in importance to the other three factors. We assume that anyone who will be investing will already have saved up emergency funds and has access to enough emergency credit to get by in event of an emergency.

Tax advantageous is obviously important because you want to keep as much money as possible.

Safety, again, is obviously important, because you don’t want to lose your money. The risk-reward curve is garbage. If an investment isn’t safe, then it isn’t an investment. It’s a gamble.

Adequate rate of return is arguably the most important. Without a good rate of return, what’s the point of investing? The goal is to make more money, isn’t it?

So, with this in mind, we are going to take the equity in our home, and put it in a universal life insurance policy all at once. This procedure must carefully be examined; you have to find a universal life policy with a good track record and who’s fees added to the home equity loan payment are less than the percentage usually made on that life insurance policy. Most policies will pay you far more than this. So, what you can do is take out loans on the policy, but only in the amount that the policy can afford. Since universal life often has a minimum guaranteed earnings credit (usually one percent), your money is safe, going to get a good rate of return, tax advantaged, and liquid. How does a qualified plan sound now?

Cody Scholberg is an expert author on real estate investment and commercial property management and writes at commercial property management guide.

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What an Elder Care Specialist Does

Probably this time you have already heard of an elder care specialist.  But do you really know what this professional does and how can he or she help you?  Let us get to know who this skilled person is and what his or her job description is.


Some call them senior care specialists, geriatric care managers, or geriatric experts.  Whatever you wish to address them, these trained professionals specialize in elder care particularly for those aged 65 years old and above.  The health care system can be quite complex but having a specialist guide you through its webs, you can be sure that you can make the right decisions when it comes to your health needs or your loved ones care needs.


With the wide variety of diseases and conditions, each of them requires a particular set of medications and treatments.  A senior care expert can tell you what type of doctor to consult for a certain medical condition.  This can help you avoid wasting time in consulting the wrong doctor.  Additionally, these experts also know the doctors and health care professionals who really specialize in your illness or condition.


As these geriatric care managers are certified and trained, you can have the confidence in following their advices and recommendations when it comes to senior care.


Who is the Elder Care Specialist?


Among the choices for senior care managers are the geriatricians.  They are medical doctors who specialized in clinical care for elders.  They may be general practitioners or internal medicine doctors who had special training in geriatrics.  With their assistance, elders can prevent and treat diseases and avoid disabilities.


Geriatricians are concern not just with a senior’s certain medical issue.  An elder’s overall quality of life is also important for them.  This can lead them customized an appropriate plan of geriatric care.  They will also look into the daily activities of the seniors and see how those can impact on the senior’s health and well-being.  Additionally, these professionals will work with nurses, psychiatrists, therapists, and other health care professionals concerned to ensure that the patient will get the proper type of care.


Additionally, gerontologists can also be of big assistance.  These experts concern is on the aging process itself.  They look into the physical, mental, and social changes in people as they age and what these changes could bear on the senior’s health.  They also examine the connection between normal ageing and age-related disease.


Another, your primary care physician can also perform the role of a senior care specialist.  They can help you identify possible conditions through early diagnosis.  Their advice will guide you in finding the right specialists. You wouldn’t want to waste time and money seeing numerous specialists.  Most of the time, elders do not really need to immediately see a specialist, a PCP can sometimes be enough already. Moreover, the geriatric care manager can coordinate the type of care you require.


Having an elder care specialist guide you or your loved one can make things quicker and easier.  You can avoid wasting time and money in consulting professionals or in taking medications or going treatments you do not need if you have someone who knows the twists and turns in senior care.



Visit now to find the perfect elder care specialist for your loved one!

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Increased Bankruptcy In Southfield

Southfield bankruptcy lawyers know that the city of Southfield Michigan has experienced an increase of personal bankruptcy filings between the years of 2007 and 2008. Quite a steep increase has many Southfield bankruptcy lawyers on alert anticipating more clients who wish to file chapter 7 bankruptcy filings. Paying close attention to constantly fluctuating trends can help these Southfield bankruptcy lawyers ascertain exactly how to prepare to best serve the needs of the Southfield community.

For example, in 2007 there were a total of almost 45,000 bankruptcy filings throughout the entire state of Michigan. Chapter 7 cases accounted for more than 70% of all of those cases that year. By stark contrast, in 2008 that number jumped to nearly 54,000 bankruptcy filings and nearly 80% of them were chapter 7 personal bankruptcy cases. So far, through the third quarter of 2009, there have been a little over 50,000 cases with about 84% of those cases representing chapter 7 personal bankruptcy filings.

By analyzing data trends like this, bankruptcy attorneys can effectively predict where and how to dedicate their time, money and resources. Now logically, they may have to account for some adjustments depending on if they are analyzing state versus local information. A number of factors are likely to influence those numbers so considerations must be made.

Although Southfield bankruptcy lawyers may have their practices or offices located in Southfield, they may actually provide services to clients who reside in different locales in and around the state of Michigan. Therefore, it is important to remain aware of the bankruptcy patterns of the immediate surrounding regions.

With disturbing unemployment rates that continue to climb, 2009 might bring unprecedented bankruptcy filings. That remains to be seen. Regardless of if it does or does not, immediate relief from the economic recession is nowhere in sight so who knows what kind of bankruptcy rates the New Year might usher in.

For experienced, knowledgeable and trustworthy bankruptcy assistance, contact the attorneys from Call toll-free 800-260-1402 today for your initial free consultation or come into one of their 100 offices across the country.

Dating Tips for Elders

Who says dating is for teenagers and youngsters only. In the world that we live in, many people in their late 30`s and 40`s are trying to search for a partner and a soul mate. Of course, the whole ball game changes when you reach a certain age because most 40 year olds will be in the dating zone for serious and matured reasons. More often than not, elder group will be looking to settle down, find a life partner and be serious about the entire dating scene! What might suit a 20 year old girl is going to be vastly different for a 40 year woman. Here are some tips for the older and more matured age group:

•  There is nothing to be shy or awkward about this age and dating! Many people are doing it. So just be confident and assertive

•  Put some thoughts into what you want from the woman/man you are going to be dating. This is probably not the time to flirt around and waste your time! It will be a great thing if you can gather your thoughts and expectations and then go about finding the right fit

•  Examine yourself and introspect a lot. This will give you a perspective on who you are, how you are and how should the date see you. It is important to be comfortable in your own skin and know yourself pretty well

•  Be realistic – At the age of 50, you might not want to run after 20 year old graduates! Remember, you are in the dating world with a futuristic purpose and not because of frivolous reasons

•  Put in as much thought and care while going out with your date. After all, physical appeal is important – no matter how old or young you are. This also shows respectfulness on your part

•  Most of the people in the older dating group want things very quickly and fast. Please slow down. You may not strike gold in the first date itself, so be patient and persevere.  You need to invest quality time and effort with every date

•  Do not compromise just because you think its “late in life” and you will have to make do with whoever likes you!
Love, destiny and friendship does not change with age. You never know whom you will find on your next date – just be confident, positive and respectful!

Sanjana is a dating consultant and provides tips and advices on relationships and dating. She has written numerous articles regarding how to date with Indian women date with Indian women . Through her articles she has highlighted the pros as well as cons of  free online dating service  so that users become informed about these sites and the features offered by these sites.

Choosing Between Elder Care Providers

Choosing an elder care provider for the first time, or choosing an elder care provider that’s more qualified to meet the needs of your loved one, can seem like a daunting task.  Where do you begin, and how can you make the search easier?  How can you make a comparison of different providers in a compassionate, yet logical way that satisfies both peace of mind and financial responsibility?

Consider the approach you use when purchasing or opting to buy any major service for your home, business, or family.  At first, this approach may seem cold, business-like and lacking in compassion, but it is essential to take this stance when purchasing a service on this scale.  If you set your emotions aside, and focus first on the needs of your elder family member from a straight-forward, logical place, you will be less likely to be taken advantage of by those who would prey upon your emotions, and less likely to make a decision solely based on “how you feel”–and more about “what does my elderly family member need and want” in Elder Care?

First,  list the day-to-day needs of your family member, and insure that the most fundamental needs are not only met, but exceeded.  Second, list the emotional needs of your elderly family member, and for your family as well, to insure that the elder care provider you choose will meet, anticipate, and hopefully far exceed these needs.  Here are some tips:

Whenever possible, talk with your elderly family member.  Ask about their needs and preferences–do they want to live at home and have help with errands and tasks?  Will they benefit from visits by in-home health professionals, nurses, nutritionists, physical therapists?  Would they benefit from being part of a vibrant, senior assisted living community that offers some day-to-day assistance along with community building, group activities with other seniors?

List what is working:  Are there confident areas where your elderly family member does NOT need assistance?  If so, continuing to allow them the freedom to accomplish and excel in these areas will contribute to their independence and boost their confidence and self-esteem.

List what isn’t working:  Are there areas where your elderly family member needs temporary or on-going assistance?  These areas may include:
1. Physical rehabilitation
2. Driving and running errands; getting to appointments
3. Household chores that involve heavy lifting, or any strenuous activity 
4. Remembering dates, appointments, when to take medications, correct doses, and times of day.

Once these logical needs are met, you can begin a conversation about the emotional needs of your elderly family member.  Would they benefit from an Elder Care Provider to come sit and visit with them throughout the day?  Perhaps they would benefit from an Elder Care Day Center that offers activities, transportation to and from appointments, and a break for your family caregivers.  Would the family member thrive in an Assisted Living Community, where some of their needs are met by Elder Care Providers, while they still maintain some of their independence, and become part of a vibrant senior community?

Consider these when choosing between Elder Care providers. Keep in mind that many established caregiver organizations will have many, if not all, these options available or can put you in contact with other local providers who offer the services you’re looking for.

Whether your elderly family member requires many hours of care each day or just a few times a month, we will create a schedule for elder care that makes the most sense for their needs. Personal Care Inc. offers families peace of mind knowing that their elderly loved one is being cared for by loving professionals who are dedicated to improving their patients’ quality of life.

Will Contest Lawyer

A will contest is a lawsuit that can be filed to contest or challenge a will if you think that the will is written incorrectly and is unequal. A family member or an heir usually contests a will if he or she finds the distribution of wealth and possessions unequal or inappropriate. An unaccepted will can be a result of an external or undue influence over the will-writer, it can stem from the fact that the writer of the will might not be mentally fit to know what he is writing, it can be a fraud, or it can stem from the improper execution of the will.

If a will is created with the tag of a “no contest” clause, the inheritors do not have the right to try it in the court. They can either accept what is given to them or take nothing at all, irrespective of what they think of the will. If a “no contest” will is challenged in the court, one can run the risk of complete disinheritance, for the sheer disrespect to his ancestor and their wishes. His share, then, will probably be distributed among the other beneficiaries.

A member generally contests a will if he is not happy with what is mentioned in the will. He either expects a greater share and thus contests for inequity in distribution or expects his name to be there if the will does not mention him at all as its beneficiary.

Even if you strongly feel upset with the content of the will, it is not enough reason to challenge the will in the court. A valid reason has to be stated for the law suit to proceed. If the heir can prove the existence of an undue influence over the will-maker, a forgery, fraud, coercion, mental incapacity of the will-maker or a mistake in the execution of the will, only then will the law suit be valid and care to proceed. The law, hardly, takes emotions into account.

If a will contest is successful, it is possible that a part or whole of it is considered void and is thus not enforced. If the entire will is voided, the assets are distributed equally among the heirs without favoring anyone as might or might not be the case in the will. If there is a prior will then it can be reinstated in case of part or whole of the will being voided.

However, a family can be saved from all the will and inheritance disputes if the will is drafted and executed properly in the first place. A person who has accumulated great fortune can avoid the occurrence of any filial fight by ensuring equal and appropriate distribution of his assets among the beneficiaries and not disinheriting or favoring one person of the family.

Each state has its own laws regarding specifications. There is a law that governs how a Last Will and Testament should be signed in different states. Therefore, one should be aware of these laws and abide by them to avoid any future conflicts within the heirs and for the will to be claimed void.

If after going through the legalities involved in a will contest, you absolutely think that you are wronged and wish to challenge the will laid down by a loved one, you should consider the expense you will beat to proceed with the law suit. Only if you think you can successfully and lawfully prove that the will was written when the person was incompetent because of a disease or a condition, or a person influenced the writer for his own benefit, or he was forced or tricked into signing the will or any such strong evidence, only then can a will contest lawyer help you file a law suit and fight for your rights and assets.

Paul is a admitted to practice both in New York and Florida, and has many clients with residences in both states. He is also admitted to practice in the United States Tax Court as well as the Southern and Eastern Districts of New York. He is a member of the New York State Bar Association, Westchester County Bar Association and Florida Bar Association. He is an active member of the Estate Planning Counsel and has also served on the Executive Board for the Tax Committee and the Trusts and Estates Committee.

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Bankruptcy Filings On The Rise

Personal bankruptcy filings with Tampa Bay bankruptcy lawyers are on the rise. Some of the reasons contributing to this are job layoffs, firings, and closing businesses. Filing for personal bankruptcy can be scary even if you or someone close to you has been through it before. Having a personal bankruptcy on your credit report for the next ten years, possibly affecting your ability to get a loan or get a new job, can be extremely frightening.

Tampa Bay bankruptcy lawyers will take you step by step through the entire personal bankruptcy process. Finding the right Tampa Bay bankruptcy lawyers is key to your success as you prepare to get back on your feet financially. There are many reputable Tampa Bay bankruptcy lawyers to choose from, but it’s important you find a lawyer that you feel comfortable working with. Look for personal recommendations from someone that you know who’s been through a personal bankruptcy or ask lawyers you may know to make a recommendation. Most Tampa Bay bankruptcy lawyers have websites where you can request information and arrange for a free consultation.

Your decision to file for personal bankruptcy will be a difficult one. Because of new laws, differences between Chapter 7 and 13 personal bankruptcy and other complex issues surrounding personal bankruptcy, facing the filing process alone can be intimidating. It is recommended you obtain the services of Tampa Bay bankruptcy lawyers. Preparing the documents needed to start the personal bankruptcy process is fairly complicated and is best left to the expertise of a lawyer familiar with bankruptcy.

There is nothing simple about going through a personal bankruptcy. Your financial life will be in turmoil for awhile, but having the right lawyer in your corner, explaining the process and steering you through the proceedings in terms that you will understand, will make the whole process easier to swallow.

For experienced, knowledgeable and trustworthy bankruptcy assistance, contact the attorneys from Call toll-free 800-260-1402 today for your initial free consultation or come into one of their 100 offices across the country.

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How To Trust A Troubled Boyfriend

There has to be something between you, otherwise you would not be together, but something has gone wrong? Of late you have noticed that your boyfriend looks troubled, you don’t know why and are worried that he is seeing someone else. You love him, you are faithful to him, you think that you have a good relationship, so, how to trust a troubled boyfriend?

Just because he seems troubled, it does not mean that he is seeing someone else, he could have problems of his own to deal with that he does not know how to share.

How to trust a troubled boyfriend? Take it slow and easy, don’t let paranoia take control of you, and don’t say something that might later regret.

There are some signs that you could look out for to suggest that he is playing away. Has he already given you cause not to trust him? Has he become vague about what he does and who he sees? Does he find it difficult to make eye contact with you, as if he feels guilty about something? If the answer is yes, then he is possibly being less than honest with you.

On the other hand, do you feel comfortable being with him? Does he take an active interest in who you are, does he want to be a part of your life? Are you able to talk to him about things that are bothering you in the relationship, and does he actively listen to what you say? If this is your guy, then the chances are that there is something else bothering him.

Are you making something out of nothing? Is your suspicion baggage from a previous relationship? If you are suspicious of him then your body language will give you away. Your boyfriend will see your suspicion and if it is unjustified he could come to resent you, and ultimately, after much misery, your relationship will fail.

If you have a troubled boyfriend then talk to him, find out what is troubling him. When you do talk to him do not be vague, plain speaking will achieve far greater results, you will feel much better about your situation and he will trust and respect you more. Let him know that you have been worried about him, that the way he has been acting makes you worried about how strong your relationship is. If he gets defensive then you might have a problem, but if he loves you then you should be able to talk things through. When you can identify the problem then you can both work out a way to deal with it. Remember, you are there for each other, if one of you has a problem then both of you have a problem.

When you are dealing with issues, please remember that you will probably both have different perspectives, so try view the problem through each others eyes. Actively listen to what the other has to say and only comment when they are finished. If you are unable to understand something then ask questions until you do. Don’t play the blame game, don’t look to score points of each other, don’t shout and scream, just talk. You are looking for a solution that you are both happy with, and if it makes you happy, then it strengthens your relationship and your trust.

If you are concerned about how to trust a troubled boyfriend, then you need to show that you are someone who can be trusted. If you are honest and trustworthy with him, if you show that you care about him, then he will respond to that.

Never stop communicating with each other. You need to share your lives, your emotions, your hopes and dreams. You are both an integral part of each others lives, so tell it other what is happening in your lives. It not only makes your relationship more interesting, but the act of sharing will increase your trust in each other.

Every time that someone does something that they said they would, you trust them a little bit more. It might just be taking the trash out, but if they said that they would do it, then they kept their word. Please remember that your boyfriend is only human, and one of the things that humans do is forget things. So if your boyfriend has the occasional memory lapse it doesn’t mean that he is trying to deceive you, he is just being human.

Spend quality time together. Build up a store of happy, shared memories and experiences. Spending regular YOU time together gives you a chance to reconnect, relax, and have some fun. You can share interests or find new ones, it doesn’t matter what, all that matters is that you enjoy being together. And the happier you are together, the less chance there is of you suspecting the worst.

How to trust a troubled boyfriend? Find out what’s bothering, and together work out a way to deal with the problem. Tell him your worries, how you were worried for him and the relationship, let him know that you care. Put your worries and concerns directly to him. Work together to build the best relationship that you possibly can. If you want your relationship to work there has to be trust, sometimes in life you have to take a chance, so, unless he has done something to forfeit it, trust him, and let him know that you trust him.

How do you deal with relationship problems? How do you deal with problems in your marriage? Sometimes it helps to take a step back and have a look at what other people are saying. So if you are struggling to find a way forward then pay a visit to my sites and see if you can find help there.

Look Below For Excellent Information About Lawyers

Getting through any legal problems can be tough, no matter what side you take or what the case is about. Make things simpler by retaining a qualified lawyer. Making the right choice is important, and this article has some tips in it to help!

Before you agree to use a lawyer, make sure you ask for his or her history. A lawyer may have his or her own practice, but this does not always equal success. You must learn the record of the lawyer you’re looking at hiring.

Never hire the very first lawyer that is found when you’re trying to locate one. Make sure that you research attorneys thoroughly to avoid making a bad decision. Ask as many people as you can to get quality information.

TIP! Your lawyer and you should think up a time that you can meet so you’re able to touch base. Often an attorney will not contact their client for a long time after being hired.

If accused of committing a grave crime, the number one thing for you to do is hire an attorney. Let your lawyer guide you, because after all they are the real experts. Good lawyers contain adequate experience for handling your situation.

Don’t neglect to ask your potential lawyers for a fee list. The charges widely vary from lawyer to lawyer, so you need to know what is in store. Nothing is worse to a case than losing representation after a court case has begun.

Decide what specific legal services you need ahead of time. You should first find out if a lawyer is even necessary. Are you divorcing your spouse? Were you arrested? You could very well need the expert opinion of a lawyer regarding finances or business, even if these are not areas you are generally concerned with.

When you’re uncomfortable in the presence of a particular lawyer, do not hire them. Same thing if you are not comfortable with the fees. Do not give your lawyer a blank retainer check with your signature on it. The lawyer you choose should be upfront about their fees and the time they will spend on your case.

Lawyer Cannot

You should know that your lawyer cannot reveal what you tell him in confidence. Stated in another way, if you talk about important information pertaining to your family business or other key issues, the lawyer cannot pass that data onto others.

You shouldn’t be hesitant of asking your lawyer numerous questions. A reputable lawyer will tell you exactly what they are doing every step of the way. If your lawyer fails to explain things thoroughly and clearly, then you probably need to hire another one.

Only hire a lawyer you can trust. If you are seeking a lawyer to help you with professional and business matters, this is doubly so. Commercial legal matters require a high amount of trust, since it is common practice to hand over a blank check to your lawyer. They will be in control of your monetary fate. Safeguard your future the best way you can.

TIP! When choosing a lawyer, you should look into their reputation. An inquiry into your state’s bar association and online reviews is a great way to see whether or not your lawyer has a built up a good reputation.

Log all interactions with the lawyer. Discussed content, amount paid, time and date should be recorded in the log. This ensures that you avoid huge unexpected bills down the road.

What is your budget? Perhaps you are completely right, but can you afford to prove it? Look into all the charges and fees before choosing any lawyer. You should also talk to potential lawyers face to face about how much you can afford and what you want to accomplish. Know what cost overruns are possible.

Only hire a lawyer that you’re able to trust. This is even more important if you’re dealing with business issues. Signing blank checks or paying a retainer fee is something a lot of lawyers request. You leave yourself in their hands. Try as much as possible to protect yourself.

Before you take on a lawyer, talk to your local bar association to find out whether they have had complaints in the past. A couple of complaints should not scare you as long as it is not anything serious, but you should find another lawyer if you find a lot of complaints.

TIP! If you need the assistance of a lawyer soon, it is wise to effectively communicate with him. If your case involves approaching deadlines, make sure your lawyer has all the information needed.

You need to make sure you’re asking enough questions. When you consult with them initially, they need to be able and willing to answer the questions you ask them. You are interviewing them, so it’s their responsibility to show you during the interview why they should be the lawyer that you choose. If they are not, walk away, they are not the lawyer for you.

You should now be more knowledgeable on dealing with your court case. First, you need to find a good lawyer, and then follow his advice. If you have a good lawyer, your case should be smooth sailing and settle quickly.