Merits Of Power Of Attorney

A power of attorney is a document that shows the name of the person who has the authority to act on your behalf when conducting important transactions for you. When using a power of attorney, the other party is expected to act with utmost integrity. Below are some of the benefits of power of attorney;

Eases The Burden Of Decision Making

A power of attorney helps to alleviate the burden of decision making when decisions need to be
made. For example, in a company, the board of directors is required to be present at all meetings. However, sometimes that is not possible, and in some meetings, the board is required to make important decisions for the company. It becomes virtually impossible to communicate everything to the board, and therefore, the company attorney is given the power of attorney so that they can sign on behalf of the board members. That also saves them the time and effort of being present in all board meetings while they could be working.

Monetary Transactions

When the one signing the legal document is unable to manage their finances, the attorney-in-fact will handle the financial transactions on their behalf. The document gives them the right to manage their assets, acquire investments and even sell their property when need be.

Health Issues

A power of attorney is essential when making decisions that are health
related. It is referred to as a medical power of attorney. The document will designate a trusted person to make vital health care decisions for the individual who signed the documents. The attorney-in-fact will make the decision only when the principal is medically incapable of making the decision for themselves. However, decisions that are related to convulsive treatment, abortion, admission in a mental institution and psychosurgery cannot be made. If the principal is on life support, the attorney-in-fact can decide whether the plug can be pulled or not.

Family Matters

Sometimes in a marriage, couples may be in a long distance relationship due to professional reasons; therefore, they end up living apart. A power of attorney will be significant to them because it will give one of them the power to handle their finances or use the money they have in the case of an emergency. In addition to that, they can claim a bank account or run the household if need be. That also shows the level of trust in that relationship.…

Types Of Insurance Fraud

Insurance fraud is any act committed with the intention of obtaining a fraudulent outcome from an insurance process. The claimant may attempt to get a benefit that they are not entitled to. Insurance fraud is one of the most common crimes committed around the world. Types of insurance fraud are diverse, and they happen in all areas of insurance. Below are some of the types of insurance fraud;

Car Accident

In this case of fraud, the driver and the accident victim are the ones that are involved in the scam. In some cases, they involve bystanders and insurance investigators so that they can be assured of getting the benefit. When the fake accident occurs, they inflate the value of the vehicle to almost double its price.

Stolen Car

There are two ways in which criminals can perpetrate this crime. The owner of the car could sell the body parts of their cars to a body shop, and then they could use the parts as evidence that the car has been stolen. The second way which is the most prevalent is individuals sell their cars to overseas buyers without the transaction involving any paperwork. After that, they make a claim to their insurance companies that their car has been stolen hence expecting compensation.

Staged Home Fires

Homeowners insurance fraud costs insurances companies as well as their clients a lot of money every year. The most common type of this fraud is staged fire or acts of vandalism. The owner of the property will keep the items in the property safe before the scam, or they will make sure the insurance company is aware of the items in the property then destroys them. Criminals could be hired to set the place on fire or to vandalize it and victimize the owner.

Faked Death

This form of fraud is so common that insurance companies may give the real victims a hard time before compensating them. The fraud will take out a life insurance policy on them and make their spouse a beneficiary. After the policy has been in effect for a while, the criminal will fake their death, and their spouse will be compensated.

Renter’s Insurance

Individuals who rent homes will take out renter’s insurance policies to cover the costs of what they possess. When financials times get harsh, they may sell their possessions and report them as stolen. They can also do that before moving out and then send their claim to their respective insurance companies.…

SF Bay Area Labor Heritage Chorus

“If you really want to roll the union along, come and join the union in song!”

— Walter Johnson, Secretary/Treasurer,
SF Labor Council

The Labor Heritage/Rockin’ Solidarity Chorus is based in the San Francisco Bay Area and is made up of workers from many unions, as well as students and independent folks who love to sing. We are dedicated to building more democracy and representation within our unions and we come together to celebrate our love of music and workers’ culture.

The Chorus is directed by musician and labor organizer, Pat Wynne. Under her leadership, we borrow from many musical traditions such as South African and Gospel; traditional and newly composed labor songs; songs in Yiddish, Latin, Spanish and Xshosha; and parodies of popular songs created in the Joe Hill tradition. Pat Wynne’s musical mission is to create a new canon of labor music that better reflects the diversity of our working population. Our accompanist and Pat Wynne’s musical collaborator is Bernard Gilbert.

Book the Chorus: We are available for performances at union and community events. Contact Pat Wynne at 415-648-3457 or by e-mail at patwynne@laborchorus.org…