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The Official Blackbook Price Guide to United States Coins 2013, 51st Edition
Written by Thomas E. Hudgeons, Jr.

Paperback, 640 pages | House of Collectibles | Antiques & Collectibles – Coins & Medals | $8.99 | June 12, 2012 | 978-0-375-72346-9 (0-375-72346-3)

For over fifty years, The Official Blackbook Price Guide to United States Coins 2013 has been the bestselling sourcebook for collectors. Reflecting the current skyrocketing prices of gold and silver, this guide has all the information you need to become a knowledgeable coin collector.
 
Features include:

•Over 18,000 prices
•Values for every U.S. coin ever minted
•An updated market review that traces current trends in collecting and investing
•Hundreds of coin illustrations and a fast-find index for easy identification
•Extensive information on buying and selling coins at auction, coins shows, online, and through the mail


The Official Blackbook Price Guide to United States Coins 2013, 51st Edition
Written by Thomas E. Hudgeons, Jr.

eBook, 640 pages | House of Collectibles | Antiques & Collectibles – Coins & Medals | $8.99 | June 12, 2012 | 978-0-375-72347-6 (0-375-72347-1)

For over fifty years, The Official Blackbook Price Guide to United States Coins 2013 has been the bestselling sourcebook for collectors. Reflecting the current skyrocketing prices of gold and silver, this guide has all the information you need to become a knowledgeable coin collector.
 
Features include:

•Over 18,000 prices
•Values for every U.S. coin ever minted
•An updated market review that traces current trends in collecting and investing
•Hundreds of coin illustrations and a fast-find index for easy identification
•Extensive information on buying and selling coins at auction, coins shows, online, and through the mail


The Official Blackbook Price Guide to United States Paper Money 2013, 45th Edition
Written by Thomas E. Hudgeons, Jr.

Paperback, 400 pages | House of Collectibles | Antiques & Collectibles – Coins & Medals | $8.99 | June 12, 2012 | 978-0-375-72352-0 (0-375-72352-8)

The Official Blackbook Price Guide to United States Paper Money 2013 is an indispensable, easy-to-use sourcebook for collectors. It covers every national bank note issued since 1861 and lists over 6,000 current national market prices. This guide has all the information you need to become a knowledgeable collector of paper money.

This essential reference also features:

•Up-to-date market review that traces current trends in collecting and investing
•A special report on uncut sheets and mule notes
•Hundreds of photos for easy identification


The Official Blackbook Price Guide to United States Postage Stamps 2013, 35th Edition
Written by Thomas E. Hudgeons, Jr.

Paperback, 688 pages | House of Collectibles | Antiques & Collectibles – Stamps | $8.99 | June 12, 2012 | 978-0-375-72358-2 (0-375-72358-7)

The Official Blackbook Price Guide to United States Postage Stamps 2013 is an indispensable, easy-to-use sourcebook for collectors. Filled with the most current values and the latest market reports, this guide has all the information you need to become a knowledgeable collector of stamps.

Features include:

•Listings by Scott number for every stamp ever issued
•Thousands of illustrations for easy identification
•An updated market review that traces current trends in collecting and investing
•Exclusive prices for first day cover, mint sheets, plate blocks, line pairs, and PNCs
•Extensive information on buying, selling, and grading stamps at auctions, online, and through the mail


The Official Blackbook Price Guide to World Coins 2013, 16th Edition
Written by Thomas E. Hudgeons, Jr.

Paperback, 608 pages | House of Collectibles | Antiques & Collectibles – Coins & Medals | $8.99 | June 12, 2012 | 978-0-375-72364-3 (0-375-72364-1)

The Official Blackbook Price Guide to World Coins 2013 is an indispensable, easy-to-use sourcebook for collectors. Filled with the most current values and the latest market reports, this guide has all the information you need to become a knowledgeable coin collector.

Features include:

•Listings for coins from over 50 countries, including Brazil (cruzeiro), Egypt (pound), Mexico (peso), and more
•Hundreds of photos for easy identification
•An updated market review that traces current trends in collecting and investing
•Valuable information on mint errors
•Extensive information on buying, selling, and grading coins at auctions, online, and through the mail

If your treating physician on your accepted workers’ compensation claim in Nevada reports to your claims adjuster that you may have a ratable impairment, you should be scheduled for an impairment evaluation  30 days later.  This evaluation, also called a rating,  will be done by one of the 138 doctors and chiropractors who have been tested and authorized by the state agency, DIR, to perform ratings.  The purpose of the rating evaluation is to  determine your percentage of impairment so that a  permanent partial disability award can be offered.  (The additional two factors that determine a PPD award in Nevada are the injured worker’s average monthly wage at the time of the injury, and the injured worker’s age when he or she has the evaluation.)

As of  March 1, 2012, the Medical Unit at DIR has138 physicians  and chiropractors on a rotating list.  When a claims adjuster requests a rating,  the Medical Unit secretary must  assign the next one from the rotating list.  If the injury is to a muskuloskeletal part, such as the shoulder or neck, a chiropractor may be assigned to do the rating. Some of the chiropractors on the rotating list are excellent rating doctors-   fair, knowledgeable about the Guides and anatomy, and they correctly explain their findings and conclusions.

Nevada law allows adjusters to suggest and agree with injured workers on a particular rating doctor.  If the injured worker, or his attorney,  agree to a doctor suggested by the adjuster, the agreed-upon doctor can do it instead of the doctor assigned by DIR.  Some adjusters will send unrepresented injured workers a list with the names of about six doctors and ask whether the injured worker will send back an agreement to one.  If the agreement isn’t returned, the adjuster must use a DIR-assigned doctor from the rotating list.  You don’t lose your right to obtain a second rating if you disagree with the rating physician you agreed to rate you.

An injured worker asks me:  Should an injured worker agree to a rating doctor suggested by the insurer, or insist that the insurer schedule him with one of the 138 doctors on the rotating list? 

The answer depends on whether the injured worker has an experienced attorney.  Otherwise, it is likely that the injured worker will not be  knowledgeable about each of the doctors on the insurer’s short list . If the injured worker, or his attorney,  doesn’t  know anything about the doctors , he should NOT agree. The insurer will likely suggest doctors that find lower or average impairment percentages, or that are aggressive on apportionment and like to subtract percentage points for pre-existing conditions.   Despite the objective of the AMA Guides to Evaluation of Permanent Impairment to have rating methods that will easily duplicate results , there can be a  significant difference depending on which doctor is doing the exam.

If the injured worker has a lawyer , he should hope that his attorney is familiar with how each of the different rating doctors are likely to apply the Guides.  Sometimes attorneys for injured workers agree to a rating exam with a doctor suggested by the insurer.  Not all doctors suggested by insurers are necessarily a bad choice to rate a particular client.  The key is knowing how a particular rating doctor is likely to interpret the Guides.  That comes with experience.

There are injured workers, not knowing whether a suggested rating doctor is likely to be better than one assigned from the rotating list, will circle a name anyway and return the agreement    People who do that hope that the adjuster will act in the injured worker’s best interests. The reality is that insurer’s and their employees must act so that they can show a cost savings on claims to employers concerned with premiums.  Injured workers should understand that adjusters may be acting within the bounds of the law, but not be acting within the injured worker’s best interests.  Therefore, my answer to the question is a resounding “NO”.  Do not make agreements with insurers without knowing the consequences of what you are doing.

If your treating physician on your accepted workers’ compensation claim in Nevada reports to your claims adjuster that you may have a ratable impairment, you should be scheduled for an impairment evaluation  30 days later.  This evaluation, also called a rating,  will be done by one of the 138 doctors and chiropractors who have been tested and authorized by the state agency, DIR, to perform ratings.  The purpose of the rating evaluation is to  determine your percentage of impairment so that a  permanent partial disability award can be offered.  (The additional two factors that determine a PPD award in Nevada are the injured worker’s average monthly wage at the time of the injury, and the injured worker’s age when he or she has the evaluation.)

As of  March 1, 2012, the Medical Unit at DIR has138 physicians  and chiropractors on a rotating list.  When a claims adjuster requests a rating,  the Medical Unit secretary must  assign the next one from the rotating list.  If the injury is to a muskuloskeletal part, such as the shoulder or neck, a chiropractor may be assigned to do the rating. Some of the chiropractors on the rotating list are excellent rating doctors-   fair, knowledgeable about the Guides and anatomy, and they correctly explain their findings and conclusions.

Nevada law allows adjusters to suggest and agree with injured workers on a particular rating doctor.  If the injured worker, or his attorney,  agree to a doctor suggested by the adjuster, the agreed-upon doctor can do it instead of the doctor assigned by DIR.  Some adjusters will send unrepresented injured workers a list with the names of about six doctors and ask whether the injured worker will send back an agreement to one.  If the agreement isn’t returned, the adjuster must use a DIR-assigned doctor from the rotating list.  You don’t lose your right to obtain a second rating if you disagree with the rating physician you agreed to rate you.

An injured worker asks me:  Should an injured worker agree to a rating doctor suggested by the insurer, or insist that the insurer schedule him with one of the 138 doctors on the rotating list? 

The answer depends on whether the injured worker has an experienced attorney.  Otherwise, it is likely that the injured worker will not be  knowledgeable about each of the doctors on the insurer’s short list . If the injured worker, or his attorney,  doesn’t  know anything about the doctors , he should NOT agree. The insurer will likely suggest doctors that find lower or average impairment percentages, or that are aggressive on apportionment and like to subtract percentage points for pre-existing conditions.   Despite the objective of the AMA Guides to Evaluation of Permanent Impairment to have rating methods that will easily duplicate results , there can be a  significant difference depending on which doctor is doing the exam.

If the injured worker has a lawyer , he should hope that his attorney is familiar with how each of the different rating doctors are likely to apply the Guides.  Sometimes attorneys for injured workers agree to a rating exam with a doctor suggested by the insurer.  Not all doctors suggested by insurers are necessarily a bad choice to rate a particular client.  The key is knowing how a particular rating doctor is likely to interpret the Guides.  That comes with experience.

There are injured workers, not knowing whether a suggested rating doctor is likely to be better than one assigned from the rotating list, will circle a name anyway and return the agreement    People who do that hope that the adjuster will act in the injured worker’s best interests. The reality is that insurer’s and their employees must act so that they can show a cost savings on claims to employers concerned with premiums.  Injured workers should understand that adjusters may be acting within the bounds of the law, but not be acting within the injured worker’s best interests.  Therefore, my answer to the question is a resounding “NO”.  Do not make agreements with insurers without knowing the consequences of what you are doing.

This program is not available for CLE credit.

No, you won’t have to wear a green eyeshade and crunch numbers. However, smart in-house counsel understand that they must be knowledgeable about the financial and accounting practices of their clients and recognize problem areas when they arise. The alternative may be to watch your company suffer the consequences if it goes astray. We’ll introduce you to the basics of finance and accounting, identify what financia…

Not available for CLE credit.

No, you won’t have to wear a green eyeshade and crunch numbers. However, smart post-Enron in-house counsel understand that they must be knowledgeable about the financial and accounting practices of their clients and recognize problem areas when they arise. The alternative may be to watch your company suffer the consequences if it goes astray. We’ll introduce you to the basics of finance and accounting, identify what financial red…

Not available for CLE credit.

No, you won’t have to wear a green eyeshade and crunch numbers. However, smart post-Enron in-house counsel understand that they must be knowledgeable about the financial and accounting practices of their clients and recognize problem areas when they arise. The alternative may be to watch your company suffer the consequences if it goes astray. We’ll introduce you to the basics of finance and accounting, identify what financial red…

Home Insurance Question
From feedproxy.google

Rating: 0 Posted By: vjsinha
Views: 922 Replies: 8

What is the appropriate home insurance amount? I have this home insurance quote. But it gives like 5 options, Guarenteed replacement Value, etc. Someone knowledgeable may want to explain. I do not want to be underinsured nor overinsured. Thanks.

My house value as per county records is around $132000 and land is about 40000 of it, so the value is about 92000. But to construct a similar house, it would cost about 120000 based on current contractor’s estimate.

Question Deals

Rating: 0 Posted By: bbgarcia
Views: 828 Replies: 3

Can someone recommend a broker who is knowledgeable about doing a HARP II refi in NC when the property has a mortgage and a HELOC (used to purchase the property)? The property is now an investment property. I was beginning the process of doing a refi when the broker found out that the HELOC was also used as funds to purchase the property and then told me that I cannot use HARP II because of that. Now, from my research, I don’t think that’s true because the HELOC is with USAA and they supposedly will subordinate. I also believe I meet all the other requirements, but my problem has been finding someone knowledgeable about how to proceed with a refi and subordination. Thanks for the help.

Real Estate Deals

A New Jersey juvenile has been placed in custody after allegedly resisting arrest resulting in injuries to an officer. According to a NBC 40 news report, the assault incident occurred in the Mizpah section of Hamilton Township. Officials responded to calls of a car being taken without the owneras consent. According to the report, the juvenile refused to exit the car and he shut the window on an officeras arm. After a brief struggle, the juvenile was charged with aggravated assault on a police officer and resisting arrest. The officer involved was released from the hospital with a minor injury.

Under N.J.S.A. 2C:29-2: aA person is guilty of a disorderly persons offense if he purposely prevents or attempts to prevent a law enforcement officer from effecting an arrest.a The law also states, aA person is guilty of a crime of the fourth degree if he, by flight, purposely prevents or attempts to prevent a law enforcement officer from effecting an arrest.a

Resisting arrest and assault on a police officer are serious charges that commonly involve juveniles who are afraid of being arrested and simply do not know that it is in their best interest to go with the officer peacefully. Young individuals who may have made a poor choice can make their situations much worse if they attempt to evade the authorities or if they attempt to fight back during the arrest. It is crucial that juveniles in these types of cases have a skilled juvenile crime defense lawyer on their side who will fight for the case to remain in juvenile court and out of the adult criminal system.

The knowledgeable Hamilton Township criminal defense attorneys at Lependorf & Silverstein have a long history representing juveniles and experience handling assault and resisting arrest charges. If your child is facing charges in New Jersey, please call our offices right away at (609) 240-0040.

A 24-year-old Willingboro man faces multiple drug charges after allegedly selling synthetic marijuana to an undercover officer. According to a report by The Burlington County Times, the incident occurred at a Willingboro gas station. Officials say the man attempted to sell the newly outlawed synthetic marijuana to an undercover officer at a gas station that was within 1,000 feet of a high school. He faces charges for possession of a controlled dangerous substance, distribution of narcotics within 1,000 feet of a school, and related narcotics offenses. It is not clear how much of the drugs were seized or if anyone at the gas station will also face charges.

There are likely going to be a number of arrests involving this drug now that the law has changed regarding synthetic marijuana. In March of 2012, New Jersey announced a ban on all variants of synthetic marijuana. The ban began after users of artificial cannaboids were experiencing acute heart and lung problems. Because of the new ban, possession of substances commonly referred to as K2 or Spice can have serious criminal consequences.

Since March 10, anyone who failed to turn in their supply of synthetic marijuana could face up to five years of imprisonment and a fine of $25,000. Many individuals who had legal possession of the drug a couple of months ago may not even realize that they are now violating the law and subject to these severe penalties.

The knowledgeable Princeton marijuana defense attorneys at Lependorf & Silverstein have helped many individuals fight drug charges in New Jersey. If you or a loved one is facing drug charges relating to marijuana or synthetic marijuana in New Jersey, please call our offices at (609) 240-0040 for a no-cost consultation.

A 36-year-old Newark man faces a multitude of drug charges after officials allegedly found $20,000 worth of heroin and cocaine in his home. According to a news report in The Star Ledger, the drug raid occurred on Unity Avenue in Newark and narcotics detectives used a metal battering ram to bust down the manas door. They detained the Newark man without incident and seized 152 decks of heroin, 175 grams of cocaine, plastic bags, a digital scale, and other drug paraphernalia. He is currently being held in an Essex County Correctional Facility.

Drugs such as cocaine, heroin, and ecstasy are classified as acontrolled dangerous substances.a Possession of these drugs for personal use or for sale can result in serious and potentially life-changing penalties. For example, possession of five or more ounces of heroin with intent to distribute can result in 10 to 20 years of imprisonment and a fine of $500,000. Having less than five ounces but more half an ounce of heroin is a second-degree offense that can result in five to 10 years of imprisonment. It is a third-degree crime to have less than an ounce of heroin, which is punishable by $75,000 and 18 months to five years of incarceration.

It is crucial for individuals facing heroin or cocaine charges to seek representation from a knowledgeable criminal defense attorney who can advise the defendant on how to fight the charges. The drug possession defense lawyers in Princeton at Lependorf & Silverstein have a proven track record of fighting heroin-related charges. Please contact us at (609) 240-0040 for a free case assessment.

Los Angeles Accident Attorney
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Personal Injury Lawyer Los Angeles – FREE CONSULTATION by Personal Injury Attorney Los Angeles – Legal Defenders, Los Angeles Personal Injury Lawyers – Law Offices of Burg and Brock, who have won over $100 million in verdicts and settlements for clients

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