The Benefits of a Premarital or Postmarital Arrangement

Marriage is an important step in the relationship of many couples. Before deciding to get married, couples will have plenty to discuss and prepare. Most of the time, these discussions can even last once they’ve become husband and wife. One way the law ensures that that these decisions are properly made is through premarital and postmarital arrangements. These contracts also known as prenuptial and postnuptial arrangements in some select states.

Premarital and postmarital arrangements basically detail a set of rules agreed upon by the couple. These rules are concerned with financial decisions in the event of separation, divorce, or death of a spouse. In particular, these arrangements are meant to field decisions about the distribution of their property and death benefits. Premarital contracts are signed during a couple’s engagement, while a postmarital contract is arranged after a couple is legally wed. According to the website of Holmes, Diggs & Sadler, both these arrangements help support the best interest of the couple and allow them to plan for any unforeseen circumstances.

There are many reasons why couples can benefit from either a premarital or postmarital arrangement. Certain situations might necessitate that the states of a couple remain separate after their marriage. For example, a business owner might need to have her finances separated from her husband’s to avoid complicating established arrangements. The website of the Houston divorce lawyers at Holmes, Diggs & Sadler also points to scenarios involving spouses with children from an earlier marriage, and those who have future inheritances or significant amounts of debt or assets.

According to the website of Arenson Law Group, PC, one of the most obvious benefits of a premarital or postmarital arrangement is the fact that it can ease the process of transition in case of divorce or the untimely death of a spouse. Working with an experienced family lawyer can ease the management of financial details during such difficult times and can spare many headaches to both spouses.

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Is Offshore Outsourcing Right for You?

In recent years, offshore outsourcing has quickly become an attractive option for many American businesses. Assigning important business processes to workers abroad allow companies and organizations to enjoy a variety of benefits.

Perhaps the most appealing benefit to offshore outsourcing is the fact that it has proven to be quite cost effective. This is particularly true for American companies who have opted to outsource jobs to countries with lower labor costs such as India and the Philippines. According to a news report by the LA Times, the average monthly salary of a call center representative in the Philippines is at around $750. In comparison, the Bureau of Labor Statistics notes that American employees working in the same industry are set to receive about $2500 each month.

Aside from being a cost effective option, offshoring can also lead to other known advantages such as gaining access to a wide talent pool able to provide technical expertise and experience. Outsourcing particular jobs can also allow American employers to focus on the core competencies of their business and enjoy a faster turnover rate for projects that might be tangential to their immediate objectives.

The most common jobs outsourced internationally revolve around customer relationship management. According to the Pinoy Partners Outsourcing Center Inc. website, an American-owned business process outsourcing (BPO) company based in the Philippines, many Fortune 500 companies have established call centers internationally. However, other business processing tasks such as medical transcription, healthcare information management, legal services, content writing, blogging, and research can also be outsourced abroad. With the cost effective options to outsource these tasks out of the country, there’s the question as to why not?

The typical issues that arise with offshore outsourcing are language barriers, hidden costs, and unproductive sourced employees. Fortunately, these issues can easily be solved by working with a legitimate and experienced BPO company based in English-speaking countries. India and the Philippines, which are known to have some of the largest English-speaking populations in the world, are currently leading the offshoring industry. BPO companies based in these countries are providing many American businesses with quality workforces.

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Xarelto isn’t all Bad; Just Bad Enough

One in three Americans suffer from hypertension, the precursor to myocardial infarction and stroke. Anticoagulants such as Xarelto (rivaroxaban) thin the blood to relieve the pressure on the heart as well as to prevent the formation of blood clots that can cause deep vein thrombosis (DVT), pulmonary embolism, and strokes.

One study shows that Xarelto is effective in reducing the number of hospital visits for DVT patients by as much as 27% compared to patients on other blood thinning medication. Xarelto is also efficacious in the management of hypertension in many patients because it has no dietary restrictions and there is no need for constant monitoring, such as in the case of warfarin, which is the standard treatment for hypertension.

There are ongoing efforts by development partners Janssen Pharmaceuticals and Bayer Healthcare to expand the use of Xarelto by conducting numerous clinical trials. The most current one is called NAVIGATE-ESUS, which will be using data from 7,000 patients who have recently suffered ESUS (embolic stroke with an unknown source). The aim of the study is to see how well Xarelto will work against the standard aspirin in preventing a second stroke event. If the clinical trial shows favorable results, Xarelto will be up again before the Food and Drug Administration (FDA) for expanded clinical approval. And more money, of course.

However, Xarelto is also giving headaches to the Janssen and Bayer legal teams because it works too well. According to the website of the lawyers at Williams Kherkher, some patients on Xarelto experience severe and sometimes fatal internal bleeding events for which there is no known antidote. More than 80 lawsuits have been filed against Janssen and Bayer and is currently consolidated in Philadelphia under multidistrict litigation. The claims are sufficiently similar: patients were inadequately warned about the bleeding dangers of Xarelto.

If you have suffered serious harm from taking Xarelto, you could be eligible to join the ranks of the plaintiffs. Consult with a Xarelto lawyer in your state for more information about the liability of these drug companies.

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