Saturday, 18 May 2019


mining law

Mining, regardless of the method (surface or underground) or the resource (metals, coal, or other minerals), involves the separation of a geological strata or valuable ore from the earth. In all of its forms, mining requires extensive capital and specialized machines and labor forces. Because mining frequently occurs over large geographic areas it can alter the hydrogeology and landscape of the area in which it occurs. As a consequence, there is a large body of common law and many statutory programs that define the property rights of persons engaged in mining, and control the environmental effects and safety practices of mining.

The ranks of “mining lawyers” typically involve specialists in mineral property acquisition and leasing, labor, employment and mine safety law, and environmental law. In the eastern United States, mining typically occurs on private property and often on tracts where title to the minerals has been severed from the surface. The predominant resources mined are coal, aggregates, iron ore, and salt. In the west, these same resources are recovered, but “hard rock” mining for precious metals (gold and silver), common metals (copper), and specialty minerals predominates. Unlike the eastern United States, most of the mining occurs on property owned by the agencies of the federal government.

Environmental practitioners serving the mining industry in the east should have a working knowledge of the federal Surface Mining Control and Reclamation Act and comparable state laws, the Clean Water Act and specifically the § 402 (NPDES) and § 404 (fill discharges) programs, the Clean Air Act, and the National Environmental Protection Act. Western practitioners should have this same background as well as a familiarity with the General Mining Law, the Mineral Leasing Act and the Federal Land Policy and Management Act.

Friday, 17 May 2019


loans,cash and savings

There are multiple personal loan lenders in the USA from which you can get loans quickly and with low interest rates. Applying for a personal loan is a big financial step in our life. Whether secured loan or unsecured, fixed rate or variable, for $2, 000 or $ 20,000, you will be required to meet some general eligibility criteria to take out a personal loan.

Basic eligibility for a personal loan in the USA includes:
· A United States citizen or permanent resident, or living in the U.S. on a valid, long-term visa
· At least 18 years old
· The holder of a verifiable bank account
While every lender sets its own criteria, here are the five main factors every lender considers to evaluate your qualification.

Different lenders set different employment criteria. If they require that you have employment, you may need to work full-time in order to be considered. If you’re self-employed or you work part-time, you’ll still have loan options, though the number of lenders may be fewer than those offer to people with stable employment.
If you’re unemployed, many lenders accept applicants who obtain government allowance or benefits as a form of income, but you’ll still need to demonstrate your repayment capacity while on those benefits.
Almost every lender will expect you to have a steady income. This is to ensure you can make the minimum monthly payments stipulated in your loan contract. While some will agree on any income amount, larger loans may require that you earn a minimum income before you can apply.
Credit score

A good or excellent credit score with a good payment behavior is the easiest way for lenders to determine your loan qualification, especially if you’re applying at a bank. If your credit score isn’t good, there are limited credit loan options for you.

how to find a lawyer

How do you choose the best lawyer for your needs? Choosing legal services is like choosing any other product or service: the wise consumer conducts thorough research before making an informed decision. Once you secure several lawyer referrals with expertise in the appropriate practice area, you should carefully research each candidate (for tips on how to find a good lawyer, see How to Find a Lawyer). Below are five steps to choosing the best lawyer for your legal needs.
Conduct Candidate Interviews
One of the best ways to assess a lawyer’s legal ability is by interviewing them. Most attorneys will provide an initial consultation (usually an hour or less) at no charge. Below are a few questions to consider:

What experience does the lawyer have in your type of legal matter?
How long have they been in practice?
What is their track record of success?
What percentage of their caseload is dedicated to handling your type of legal problem?
Do they have any special skills or certifications?
What are their fees and how are they structured?
Do they carry malpractice insurance? If so, how much?
Who else would be working on your case and what are their rates?
Do they outsource any key legal tasks for functions?
What additional costs may be involved in addition to lawyer fees (postage, filing fees, copy fees, etc.)?

How often will you be billed?
Can they provide references from other clients?
Do they have a written fee agreement or representation agreement?
How will they inform you of developments in your case?
Keep in mind that a higher fee does not necessarily equate with a more qualified attorney. Consequently, a rock bottom fee may signal problems, inexperience, or incompetence.
After meeting with the lawyer, you should ask yourself the following questions:
Are the lawyer’s exp
erience and background compatible with your legal needs?
Did they provide prompt and courteous responses to your questions?
Are they someone with whom you would be comfortable working with?
Are you confident they possess the skills and experience to handle your case?
Are you comfortable with the fees and how they are structured?
Are you comfortable with the terms of the fee agreement and/or representation agreement?
Consult Martindale-Hubbell Law Directory.

ound online at and at your local public and law libraries, Martindale-Hubbell is a great resource for information about a law firm and its lawyers. This guide is often used by lawyers when choosing legal talent in another jurisdiction. The directory includes basic practice profile data on virtually every lawyer in the United States and Canada and detailed professional biographies of leading lawyers and firms in 160 countries. It also includes lawyer and law firm ratings based upon peer reviews, which may help when choosing between two equally qualified candidates.

Steps to buy your car from USA and ship

Steps to buy your car from USA and ship
1. Register with a car auction website or search on a car listing website:
The first step is to decide if you want to buy from a car listing website like and or you want to buy from online car auctions like and If you are buying from or, all you need to do is search for the car of your choice. Don’t buy from private sellers if you don’t have someone you really trust who will go pay for and pick up the car on your behalf. It’s better to buy from the dealerships especially those that are LLC (Limited Liability Company) with good reviews. If you are buying from the dealerships, you can call them to make enquiries and seal the deal; jump to point 5.

Online car auction is also a safe and reliable way to buy your car across the Atlantic especially when you do not have a well trusted ally over there. Don’t make the mistake of sending your money to just any person or dealership. Most importantly, never send your money to family and friends that are not well trusted as they may use your money to pay rent. Some of these auction companies offer free registration while others charge $200 (N72,000) initial registration as well as annual subscription. A few of these online car auction sites are,, etc. You will also need to submit your identification card as well as other required documents in order to increase your bidding eligibility.
2. Learn and understand the common terms used in car auction:
This is very important as the technical terms are tools you require to make purchase decisions. You need to know the meaning of salvage title, clean title, buy it now, pure sale, enhanced vehicle, engine start program, run and drive etc. You also need a basic idea of the location of the states in USA so your story won’t be like that of a guy who bought a car in Oregon State thinking the car was in Orlando, Florida. He eventually paid additional $1,500 (N250,000) in shipping charges back in 2014. OYO is your case if you make such mistake today as you’ll have to cough out N540,000.
Note that you cannot export a car that does not have a valid title. You should only proceed to bid if the car’s title document is clean title, certificate of title or salvage title.

3. Search and select the car you want to buy:
This is the most tedious part of buying a car in Nigeria as you sometimes have to drive from Lagos to Ibadan in search of a car you may not like eventually. However, online auction gives you access to over 150,000 cars from your bedroom. Isn’t that interesting?
At this point, you really need to shine your eyes. This is where most people make mistakes as they fall in love with a car that looks spotless in picture. Thereby ignoring the fact that the vehicle narration states that it has had a front end accident. You may not see the front damage in the picture because the car may have been partially repaired by the insurance company before putting it up for bid. Hence, you have to pay attention to every single detail and don’t just look at a car on the surface.
Well, some car dealers in Nigeria don’t pay attention to details because they prefer to buy the scrappy accidented cars which are cheaper and they come fix them here. Make sure you do a Vehicle History/VIN check before you proceed to buy a car you believe you need to know more about. You can also engage the service of independent inspectors who would do a thorough inspection of the vehicle on your behalf. This inspection service comes at a cost of about $90.

4. Buy your car:
Some cars are listed as buy it now which means you can buy them at the displayed price immediately you spot them. However, other cars can only be purchased at a predetermined bid date. So you have to wait for that date and time to join the bid room (See video of Nigerians in the bid room).
When I get to this stage, I always pray this our Naija internet does not mess me up. I dumped Swift Network for Smile and dumped Smile network for Spectranet. Now, I use FiberOne and MTN as they are the best for my current location.
5. Pay for your car:
Bank wire transfer and debit/credit card are the 2 main options you can use to make your payment. The card payment is faster and cheaper, however, you’ll be restricted by maximum card limits and declined transactions on most Nigerian cards. Therefore, you are probably left with just the wire transfer. Buy dollar from the black market and send through your bank dollar account.

Furthermore, you have to initiate the transfer of the money as soon as possible so the dealer does not sell the car to another buyer. You also need to ensure you pay into their company account. No delay is also tolerated if you buy from the auction companies because you will be charged a penalty of $50 to $100 if the auction companies don’t get your money within 2-3 business days. Immediately they receive the money, they credit your car auction online account with the same amount. Hence, your payment for the car in processed and voila! the car is yours.

6. Ship your car from USA:
At this point, you or your shipping agent in USA will arrange a tow truck or flat bed to pick up the car and deliver at the closest US seaport. This cost may be as low as $100 and it may be as high as $2,500 if you buy your car in a state that is far away from the seaports on the east coast.

How to Choose a Mesothelioma Lawyer

Finding the right lawyer for your case is just as important as finding the right medical specialist to oversee your care.
Given the rarity of pleural mesothelioma, a general practice lawyer will not have the expertise needed to win your case. Seeking a lawyer who specializes in mesothelioma is vital to your legal success.

Factors to consider when looking for the right lawyer:

  • Experience and good reputation in handling mesothelioma cases
  • Understanding of the intricacies of this disease
  • Knowledge of past landmark asbestos cases
  • Compassion for your family
  • Willingness to make the process easy for you
  • Ability to estimate the potential value of your case, without making unreasonable guarantees
If you were diagnosed with pleural mesothelioma or lost a family member to the disease, you have grounds to make a legal case against any company who knowingly exposed you or your loved one to asbestos.
Mesothelioma can be prevented. Medical researchers and product manufacturers have known this for nearly a century, and yet too many kept quiet and chose not to inform the public — or their own employees — about the severe health consequences of working around asbestos.

The World Health Organization estimates 125 million workers worldwide have been exposed to asbestos. In the United States, about 3,000 people are diagnosed with mesothelioma each year. Most have pleural mesothelioma.

Consequently, there were 2,190 mesothelioma lawsuits filed in 2017, according to a litigation review from legal consulting firm KCIC.

How a Mesothelioma Lawyer Can Help

It’s important to consider talking to an attorney if you have been diagnosed with pleural mesothelioma. You usually only have one to four years after your initial diagnosis to file a claim. If your loved one passed away from pleural mesothelioma, the time limit starts from the time of death.
You usually only have 1–4years after your initial diagnosis to file a claim.
Qualified mesothelioma attorneys can help you understand litigation procedures and file a timely legal claim. They can also see your claim through the case process and possibly improve your chances of obtaining compensation.
Depending on court rules and individual case circumstances, an attorney may be able to get your pleural mesothelioma case expedited for trial.

A qualified lawyer will work with you to determine:

  • When and where you were exposed to asbestos
  • How much and how long you were exposed
  • What injuries occurred because of exposure
  • Who to hold accountable
All these details are needed to make a strong case. Mesothelioma attorneys are usually paid a percentage of any compensation you may obtain.

Types of Mesothelioma Lawsuits

There are two types of pleural mesothelioma lawsuits: Personal injury claims filed by people with mesothelioma, and wrongful death claims filed by surviving family members.
If you file a personal injury claim but die before your case is resolved, an attorney can work with your family or estate to continue pursuing the claim against those who caused your illness.
Whether you file a personal injury or wrongful death lawsuit, a mesothelioma lawyer may be able to obtain compensation to help provide for your family, assist with remaining medical bills and address other losses.

Legal compensation can cover:

  • Cancer treatment costs not covered by insurance
  • Expenses related to traveling for specialized treatment
  • Loss of income if the patient or a family caregiver can no longer work
  • Professional caregiving costs
  • Therapy and grief support services
  • Funeral expenses

how to find Mesothelioma Lawyers in Colorado

Workplace and military asbestos exposure in Colorado has been a serious issue. Prolonged asbestos exposure can lead to the development of mesothelioma and other asbestos-related diseases. Since treatments for these conditions can be expensive, you may wish to consult a local lawyer who can help you get compensation and hold responsible companies accountable for their negligence.

On this page you will find information about Colorado laws that specifically deal with mesothelioma and asbestos. Some of the most prominent job sites where asbestos exposure occurred are listed for your convenience. We also list top law firms that filed lawsuits on behalf of mesothelioma victims as well as sample mesothelioma settlements that have been won on behalf of Colorado residents. Finally  we provide information about the statute of limitations for filing a lawsuit in Colorado.

Colorado Asbestos Laws and Regulations

Colorado has some state-level regulations pertaining to the handling of asbestos in addition to federal requirements. Below is a brief summary of asbestos-related laws in Colorado.

Occupational Asbestos Exposure in Colorado

The main regulator of asbestos in Colorado is the Colorado Department of Public Health & Environment. The agency oversees the EPA’s NESHAP standards, as well as established a few state-level regulations for the handling of asbestos. Colorado does not have a state approved OSHA plan. There are two federal offices in Denver and Englewood, with a safety consultation program available through the Colorado State University. In collaboration with OSHA, the consultation services include free assessment, safety training, and compliance assistance.

Licensing of Colorado Asbestos Professionals

Anyone performing some type of asbestos-related services must be licensed in Colorado. Asbestos professionals must pass an EPA-approved training program, as well as pass an appropriate state exam for the specific discipline one is seeking to be certified in. The Colorado Department of Public Health & Environment oversees certification, the rules for which can be found under the Air Quality Control  Commission’s Regulation 8, Part B.

Asbestos Transport and Disposal in Colorado

The Solid and Hazardous Waste Commission under the Colorado Department of Public Health & Environment manages the handling of asbestos waste, as well as managing the handling of asbestos-contaminated soil. These regulations can be found in Section 5 of Volume 6 of the Code of Colorado Regulations.

Financial Assistance Available for Mesothelioma Victims
Help provide security for loved ones.

Colorado Sites Where Mesothelioma Victims Worked

Many residents of Colorado who worked at large commercial or military sites were unknowingly exposed to asbestos. Hundreds of major sites throughout Colorado and the employers who managed them have put unsuspecting workers at risk for exposure to asbestos. Lawsuits have been filed on behalf of numerous people who worked at the following sites in Colorado.