The Truth About Divorce, Legal Separation and Annulment

Divorce may be loosely used today as a way to terminate a marriage however in truth, it is the last stage for the dissolution of marriage. It takes away all the legal issues that bind two individuals when they were married. Divorce however isn’t in all countries. Some do not allow for divorce at all while some need a tougher set of regulations as with annulment.

People who wish to terminate their marriage should first know all the options that are available to them. Couples may either go for divorce, legal separation or annulment. The three are vastly different even though all are procedures that can end a marriage.

Divorce, as I’ve already explained, terminates the marriage and the legal duties and obligations that a couple has for each other. It cancels the marital status of the parties involved and enables them to get married again should they wish. It’s much easier to get a divorce in the united states than say annulment. This is the reason many people would certainly be satisfied with this than move through the rougher battle of having an annulment. Really the only tough thing with this procedure is when it relates to infant custody. Most of the time, the battle for custody is what makes the process hard.

An annulment, conversely, declares the marriage null and void. In declaring this, the marriage will be declared to have not happened at all! Normally, the terms that may make an annulment possible are not as easy like for instance, marriage when you are underage and there is no consent from the parents for the marriage or when the marriage was held under false pretenses. Usually, these conditions include falsehoods, non-declaration of legal commitments or not staying with the legal terms of marriage.

Legal separation can be considered as a notch below divorce when it comes to removing all legal obligations and duties. It is however tougher to get one. In legal separation, the couple agrees to reside apart but will still support each other and also have legal commitments to one another. As with married people, their assets continue to be bound together. Also, they are not permitted to marry someone else until they get a divorce or an annulment.

But for most of us, there’s actually no need for these legal commitments to continue. Thus, most Americans opt for divorce. One cannot really blame them. It is easier and faster with less the fuss.

Jobs and Industries That Require PPE or Tough Work Wear for Protection

Personal protective equipment, or PPE, and tough work wear is a requirement in a huge amount of different industries – the problem is that many people in these jobs are so focused on the work in hand that they fail to protect themselves and those who work for them by providing them with the right equipment for the job. However, whatever work you do, it’s important to think not just about your legal obligations for providing protective clothing and accessories, but also your moral, social and safety obligations to those who you employ – or to yourself if you don’t have someone else to look out for you.

Some industries that require PPE are obvious; you wouldn’t expect a firefighter to enter a burning building without the correct protective clothing and breathing apparatus – but there are other less obvious roles that require tough work clothes or protective equipment too. Take a motor mechanic for example; they are coming into contact with harsh chemicals, sharp objects and heavy machinery on a frequent basis – so what types of PPE and clothing should they be considering? Obviously, overalls are always are essential to keep oil and petrol stains at bay, but there are more important items too. Steel toe capped boots, face masks, hardhats and protective gloves should all be a standard feature in the mechanics wardrobe and equipment cupboard – even if these things aren’t needed all the time, they should be easy to access when necessary.

Tough work wear such as overalls, tabards, protective jackets, gloves, safety footwear and face masks may also be required for those working in chemistry, in healthcare establishments, as archaeologists, environmental scientists, nurses, vets and zookeepers – not necessarily vocations that you would expect to have a requirement for PPE, but ones that certainly would require one or more forms of protective clothing or accessories in certain circumstances. Carpentry is another example, as are farm-based jobs, electricians, pilots, policemen and engineers.

Other jobs that require PPE or some kind of protective clothing include those working in catering, butchers and construction; even professional car and motorcycle racers must be fully kitted out with helmets, leather suits, gloves and boots while practising or competing. Even cricketers are often required to wear protective equipment around their more vulnerable areas and look at American footballers – they don’t lug all of that extra weight around for fun!

While many people won’t ever work in many of these environments, it’s important to highlight how important it is to consider exactly what kinds of protective work wear and equipment may be required, because it’s not always obvious. Remember that if you’re an employer in any of these industries, it’s your legal responsibility to ensure that your staff are protected; conversely, if you’re engaged in any of these careers or activities on a contractual or freelance basis, make sure that you’ve got the necessary tough work wear that will protect you from any potential spills or accidents and that you buy good quality PPE to keep you safe and sound.

Top 5 Online Frauds Targeting Americans

The benefits of technology are immense. Sitting in your home, you can pay your bills, shop for groceries and gadgets, and communicate with family and friends located in any corner of the globe. This same technology that you use to improve your life has also given online criminals an anonymous way to commit crime without the victim’s’ knowledge. Yes, this is true!

Just like you can access numerous sites, criminals too can access your computer and sensitive data to perpetrate fraud. Some nations are more affected than others, and Americans, unfortunately, due to their pervasive use of technology often fall victim to online fraud.

Here are the top five online fraud notions conceived that primarily target Americans:

Phishing Scam

This scam is perpetrated either through social networking sites or emails, where cyber criminals communicate with you using authentic looking messages. You may feel that your bank, social networking site, or the tax authorities have sent you a message. The aim of this trick you into typing out your log-in details for your bank account, social networking profile, cloud storage, or any other online platform where you store your personal and confidential data.

The email that you get will look authentic and will contain a link that you need to click. It will then take you to a website that looks legitimate where you will be asked to enter your log-in details. The moment you do this, you hand over control of that account to cyber criminals, who will hack into your account to withdraw all your money or sell your information to nefarious elements on the dark web. Just read Lee Child’s Make Me book!

Nigerian Scam

The Nigerian Scam was one of the first scams that cyber criminals launched on the Internet, and it is still going strong. This scam begins with an email making an emotional appeal to you from an ultra-wealthy family member, businessman or senior government official to help get access to astronomical amounts of money from a bank. The email will request you to pay a small fee for some paperwork and handling legal matters and will promise you a large sum of money in return.

If you get greedy and fall for this scam, you will be financially devastated. The request for money is ongoing and you will have to keep giving it to the scam artists. You may even get some official looking documents to convince you to part with more money. The result of all the variations of Nigerian scams is the same ;you will be left broke and will not receive a cent from the ‘deal’.

Greeting Card Scam

You may get a greeting card in the form of an email. It will appear as though a friend or acquaintance has sent it to you. If you click card in the email, it will cause a malicious software to get downloaded onto your system. This software can cause multiple pop-up windows to open, or in the worst case scenario, it could be a ransomware, asking you to pay money to give you access to your system.

If your computer contains sensitive data, the criminal controlling the software will be able to access this data and use it to their benefit. As a result, it could lead to identity theft, hacking of back accounts or accessing your social media platforms to get access to your personal and private data.

Credit Card Scam

In these tough times, many people have poor or low credit. So it can be tough for them to get a bank offer for a credit card. Remember, if anything is too good to be true, it probably is, and hence, you shouldn’t get fooled by it.

If you think about it logically, why will a bank or credit card company offer you a credit card without having a clue about your financial situation? While many Americans have wizened up to this scam, there are still some that fall prey to it. As a result, they end up paying the mandatory processing fee, after which they never see the promised credit card or hear from the scam perpetrators.

Identity Theft

According to the Federal Trade Commission or FTC, identity theft is extremely widespread in the US, with a minimum of 490,000 people reporting this type of fraud. All it takes is a cyber-criminal getting access to your personal information or email to perpetrate identity theft.

The online fraud typically involves stealing your banking information, Social Security Number, and or your credit card details. Then the scam artist will use this information to carry out financial transactions or make purchases. And, you will be held responsible for them. Missouri has the highest complaints of identity theft, according to Consumer Sentinel Network Data Book. The second place goes to Connecticut, followed by Florida in third place.

These are the top five online fraud schemes targeting Americans. It is vital you adopt outstanding online security measures such as using VPN to prevent you becoming a target. Also, check your bank account and other financial statements carefully each month. Above all, never part with your financial details and Social Security Number.

80,000 Americans Work in the Oil Change Industry

There is a huge shortage, which effects franchises costs in labor, availability of labor and quality of workmanship. For instance 80,000 Americans are in Oil Lube Facilities alone and over 50% are franchised lube centers. Companies like; Jiffy Lube, Lube Pros, Grease Monkey, All-Tune and Lube, Oil Can Henry, etc.

Automotive maintenance franchise issues continue as technician shortages increase. We are seeing issues in the automotive aftermarket service sector, which makes it tough on Automotive repair and service franchises. This effects mobile auto service companies as much as fixed site operations. Mobile unit automobile repair teams, which require two technicians per unit on the road for personal cars and up to 4 technicians for fleet on-site oil changing and Heavy Equipment are feeling the pain as much or more than large automotive repair stations. Car Dealerships entering the auto lube business too are feeling the pinch and work hard to maintain enough mechanics on staff and still train them to the latest models and all their OEM idiosyncrasies. As a matter of fact Car Dealership franchises employee 265,000 Americans as technicians to repair warranty work and do routine services. And they soak up annually 35,000 new technicians per year and that is just to stay even with the attrition rates and expansion of the largest Car Dealership Consolidators.

Think about it; United Auto, Auto One, Lithia, CarMax, AutoNation, Sonics Automotive Group, alone account for thousands of dealerships and growing and they also want a piece of the oil change action as Manufacturers are going to specialized oil to help meet emissions rules from the EPA, thus branded oil such as BMW Oil, which is required in their operations manuals. And of course they do not sell this oil to Oil Change Companies not affiliated over their counters. Then there are many companies which do oil changing which also do other services companies like, Midas Muffler which is one of the oldest franchises still running in the US. And Minekie Muffler (SP? Silly name) as well as all the Tire Companies, which have added oil change services. And let’s not forget the Master Grand Daddy, largest company in the US accounting for 9% of the total GDP; Yes, I am speaking of Sam Walton’s creation, if you get a chance go read; “Made in America” the story of Wal*Mart and incase you think that is not some real competition, you might wish to know that they are now the largest automotive repair company now due to their auto service bays at the Super Wal-Marts.

All these issues make getting trained technicians tough and the gap widens, which effects your performance, customer service, increases risks of mistakes, raises your cost of labor and hurts your completed operations insurance costs. As if there is not enough costs with all the other regulations affecting your bottom line? It is a challenge to find labor which requires a skill such as an auto technician and yes unlike other parts of the auto sector such as overhaul and repair where there is the greatest shortage and body shops which requires knowledge and skill with an even bigger shortage of qualified technicians.

The oil change business is not without significant hardships in recruiting and maintaining labor as competition lowers costs and labor needs to be cut due to workmen’s compensation insurance and benefit costs and insurance and regulations and lawsuits concerning slip and fall and work place injuries. So where can you find the right people for the low cost necessary to stay in business with all these dramatic increases in costs and competition? Well ASE has some good advice if you are looking for technicians on their association website. Military Hobby Shops is another suggestion. As costs keep going up for quality and skilled labor, how much should you pay in your oil change franchised outlet facility? Here are some thoughts;


A recent survey by the Automotive Aftermarket Industry Association (AAIA) showed for every 10 who retire as auto technicians only 2-3 start. The attrition rate is dangerous. Similarly the military is soaking up many folks and even the US Navy is having difficulty staffing all the ships. When Motor Age Magazine took their survey they saw some shocking tell tale signs; 37% of automotive technicians across the board said they would not still be in this line of work in 5 years from now, which is not too un typical of the fact that Americans change their jobs every 3.2 years on average, 50% that is or that teachers only 50% stay with it over 5 years? Scary thoughts, but those statistics are real, Source: American Demographic Magazine. If you have a brand like Castrol, then they give scholarships and can assist in providing labor at entry level, but if you are paying under $8.00 per hour expect massive turnover. Under $15.00 per hour expect triple and five times less turn over, which is difficult still in that the average oil change worker is only four to seven months on the job? Starbucks with all it’s benefits is 50% per year, most Quick Service Restaurants are 75% per year.

With the increased insanity of over regulations and incessant frivolous and BS lawsuits from ambulance chasing legal terrorists, it is hard to say if this trend will stop. Unless we get some additional tort reform it will be a tough row to hoe. Due to the insurance costs and increased labor associated costs; then it will continue to be a challenge Oil Change Facilities with even the best demographic locations. If you are going into the oil change business; stay lean and mean, because theses challenges are threatening your profits, which could leave you with little chance of a reasonable ROI.