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Monthly Archives: January 2023
Man accused of murdering business partner, leaving body in trunk, returns to Las Vegas – KLAS – 8 News Now
Posted: January 19, 2023 at 6:16 pm
Man accused of murdering business partner, leaving body in trunk, returns to Las Vegas KLAS - 8 News Now
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Las Vegas man hit, tried to stab victim with broken beer bottle in early-morning bar dispute: police – KLAS – 8 News Now
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Las Vegas man hit, tried to stab victim with broken beer bottle in early-morning bar dispute: police KLAS - 8 News Now
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You said you killed someone, Las Vegas police find text messages leading to murder suspect in robbery gone wrong – KLAS – 8 News Now
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You said you killed someone, Las Vegas police find text messages leading to murder suspect in robbery gone wrong KLAS - 8 News Now
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Las Vegas woman suspected of DUI was headed to methadone clinic when she allegedly struck, killed bicyclist – KLAS – 8 News Now
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Las Vegas woman suspected of DUI was headed to methadone clinic when she allegedly struck, killed bicyclist KLAS - 8 News Now
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Filing for Bankruptcy: What to Know | Consumer Advice
Posted: at 6:14 pm
If you plan to file for bankruptcy protection, you must get credit counseling from a government-approved organization within 180 days before you file. You also have to complete a debtor education course before your debts can be discharged.
The Department of Justices U.S. Trustee Program approves organizations to provide the credit counseling and debtor education required for anyone filing for personal bankrutpcy. Only the counselors and educators that appear on the U.S. Trustee Programs lists can advertise that they are approved to provide the required counseling and debtor education. By law, the U.S. Trustee Program does not operate in Alabama and North Carolina; in these states, court officials called Bankruptcy Administrators approve pre-bankruptcy credit counseling organizations and pre-discharge debtor education course providers.
Pre-bankruptcy credit counseling and pre-discharge debtor education may not be provided at the same time. Credit counseling must take place before you file for bankruptcy; debtor education must take place after you file.
You must file a certificate of credit counseling completion when you file for bankruptcy, and evidence of completion of debtor education after you file for bankruptcy but before your debts are discharged. Only credit counseling organizations and debtor education course providers that have been approved by the U.S. Trustee Program may issue these certificates. To protect against fraud, the certificates are numbered, and produced through a central automated system.
A pre-bankruptcy counseling session with an approved credit counseling organization should include an evaluation of your personal financial situation, a discussion of alternatives to bankruptcy, and a personal budget plan. A typical counseling session should last about 60 to 90 minutes, and can take place in person, on the phone, or online. The counseling organization is required to provide the counseling for free for people who cant afford to pay. If you cant afford to pay a fee for credit counseling, ask for a fee waiver from the counseling organization before the session begins. Otherwise, you may be charged a fee for the counseling. It will generally is about $50, depending on where you live, and the types of services you receive, among other factors. The counseling organization must discuss any fees with you before you start the counseling session.
Once you complete the required counseling, you must get a certificate as proof. Check the U.S. Trustees website to be sure that you receive the certificate from a counseling organization that is approved in the judicial district where you are filing bankruptcy. Credit counseling organizations may not charge an extra fee for the certificate.
A debtor education course by an approved provider should include information on developing a budget, managing money, and using credit wisely. Like pre-filing counseling, debtor education can take place in person, on the phone, or online. The education session might last longer than the pre-filing counseling about two hours and the fee is between $50 and $100. As with pre-filing counseling, if you cant afford the session fee, ask the debtor education provider to waive it. Check the list of approved debtor education providers online or at the bankruptcy clerks office in your district.
Once you have completed the required debtor education course, you should receive a certificate as proof. This certificate is separate from the certificate you received after completing your pre-filing credit counseling. Check the U.S. Trustees website to be sure that you receive the certificate from a debtor education provider that is approved in the judicial district where you filed for bankruptcy. Unless the debtor education provider told you theres a fee for the certificate before the education session begins, you cant be charged an extra fee for it.
If youre looking for credit counseling to fulfill the bankruptcy law requirements, make sure you receive services only from approved providers for your judicial district. Check the list of approved credit counseling providers online or at the bankruptcy clerks office for the district where you will file. Once you have the list of approved organizations, call several to gather information before you pick one. Some key questions to ask are:
The U.S. Trustee Program promotes integrity and efficiency in the nations bankruptcy system by enforcing bankruptcy laws and oversees private trustees. The Program has 21 regions and 95 field offices, and oversees the administration of bankruptcy in all states except Alabama and North Carolina. For more information, visit the U.S. Trustee Program.
If you have concerns about approved credit counseling agencies or debtor education course providers, contact the U.S. Trustee Program by email at USTCCDEComplaintHelp@usdoj.gov, or send a letter to Executive Office for U.S. Trustees, Credit Counseling and Debtor Education Unit, 20 Massachusetts Avenue, N.W., Suite 8000, Washington, D.C., 20530. Include as much detail as you can, including the name of the credit counseling organization or debtor education course provider, the date of contact, and who you talked to.
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Bankruptcy | California Courts | Self Help Guide
Posted: at 6:14 pm
What is bankruptcy?
Bankruptcy is a legal process to help people who owe money, or debtors, get relief from debts they cannot pay and, at the same time, help people who are owed money, or creditors, get paid from assets property the debtor has.
After a bankruptcy, the debtor is no longer legally required to pay any debts that are eliminated, or discharged, in bankruptcy court.
Collectors cannot collect on the debts that have been discharged. This means that creditors have to stop all legal action, telephone calls, letters, and other types of contact about debts that have been discharged by the bankruptcy court.
Bankruptcy is governed by federal law, not California law. This guide provides basic information and resources, but there are no specific California state forms and you don't file with your county court, as you might for other legal matters.
Federal bankruptcy forms
Since there are different types of bankruptcy, one may be better for you than another, or bankruptcy may not be a good solution for your type of problem at all.
To decide if you should file for bankruptcy, you need to know:
Try to figure out if you can avoid bankruptcy on your own
Determine if you can reduce your expenses, increase your income, negotiate lower interest rates, or sell some property. You may be able to make adjustments to your situation to start paying off your debts on your own.
Learn about other options from a bankruptcy lawyer
A lawyer with expertise in bankruptcy may be able to give you additional ideas for alternatives.
Get help from a credit counseling agency
They can help you make a budget, negotiate a repayment plan with a reduced or even zero interest rate, and help you stop aggressive collection practices that are overwhelming you.
Many companies promising debt settlement for very little money take advantage of debtors by charging upfront whether or not they actually settle the debt.
You cannot discharge all debts in bankruptcy. Some of the most common debts that you cannot get rid of in bankruptcy are:
There are four common kinds of bankruptcy cases, named by the chapter of the federal Bankruptcy Code that describes them.
Deciding to file for bankruptcy is a big decision. It can affect you for a long time and it does not remove all types of debt. Any mistake in your case may mean the court can dismiss your case.
Since bankruptcy is a specialized area of law that is very complex, it is a good idea to get advice from a bankruptcy lawyer.
Guide to getting legal help
Bankruptcy resources
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Immortality Director Considering Using Graphics, Rather Than Actors and Sets, for His Next … – Latest – LatestLY
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CBD Products | CBD For Sale | Shop cbdMD Online
Posted: at 6:08 pm
What is CBD Oil Made From?
CBD oil is made by extracting CBD isolates from industrial hemp and then infused into a carrier oil. There are many ways to extract CBD isolates from raw hemp material some methods allow the retention of other beneficial cannabinoids and terpenes. The carrier oil is usually a type of coconut-based oil or palm kernel oil. To learn more, checkout What is CBD?
There are several different ways you can use CBD oil, depending on your purpose for using it. You can use CBD for temporary relief from pain and soreness by applying a generous amount of topical cream into the skin or soaking in water with a bath bomb. Or CBD could be helpful for general wellness with a few tincture drops or a couple of capsules in the morning or evening. And for sleep, a dropper full from a CBD sleep aid or a softgel before bed may help.
However, consistency is essential for achieving the best results; you should take CBD daily for at least 30 days to know how well it works for you.
Because each person's body structure is unique, it is difficult to set a predetermined measurement that is right for everyone. It is recommended to consult a doctor or health professional to determine the right amount of CBD you should take. For more information, read about how to take CBD oil.
CBD oil works by interacting with a bodily system known as the endocannabinoid system (or ECS). The primary function of our ECS is to maintain homeostasis, which is our bodies' natural balance to perform and operate efficiently against external and internal stressors.
Everyone's body is different. The best number of CBD oil drops to take will vary for each person. Start with a small amount and slowly increase with each use until you know the right number of drops for you. We recommend taking one or two servings per day and allowing up to 30 days of daily use to know how your body responds.
Hemp-based CBD oil is usually THC-free* meaning that there aren't enough traceable amounts of THC to be detected through scientific testing. And CBD oil is often derived from industrial hemp, which must contain less than 0.3% THC by dry weight, according to federal law.
There are several options when determining where to buy CBD websites, specialty shops, pharmacies, dispensaries, and even convenience stores or gas stations. But wherever you decide to buy from, be sure you are purchasing from a reputable CBD manufacturer that accurately lists its ingredients, extraction methods, and lab results.
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CBD Bath Bomb Guide – Relax and Rejuvenate with These Top 5 CBD Bath Bombs – The Dallas Morning News
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CBD Bath Bomb Guide - Relax and Rejuvenate with These Top 5 CBD Bath Bombs The Dallas Morning News
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TMS (Transcranial Magnetic Stimulation): What It Is
Posted: at 6:00 pm
OverviewWhat is transcranial magnetic stimulation (TMS)?
Transcranial magnetic stimulation (TMS) is a noninvasive treatment that involves using a magnetic coil to influence your brains natural electrical activity. This treatment, first developed in 1985, now sees widespread use for a variety of mental health and brain-related conditions.
Transcranial magnetic stimulation relies on two basic principles of physics: electricity and magnetism. These two principles can also work cooperatively, and TMS relies on their ability to work together.
The space surrounding a magnet is magnetically active, and a magnets influence in that space is known as the magnetic field. You cant see it, but that space still shows the effects of the magnet at its center. When you bring a magnet near something that conducts electricity, the interaction between the conductive item and the magnetic field generates electricity.
So, why does all that matter? It matters because your brain is electrically active. The brain cells in your brain and nerves (known as neurons) use tiny amounts of electricity to send and relay information throughout your brain and body. Bringing a magnet close to your brain can influence your brains electrical activity. Thats why TMS targets specific parts of your brain, especially those related to your emotions, internal decision-making, feelings of pleasure, etc.
However, doing TMS requires a magnet that switches on and off. Doing that is possible by using electricity to control when the magnet is on or off. It also requires a magnet thats much stronger than the average magnet on your refrigerator or that you keep around your home.
There are different ways to perform TMS. They have to do with the magnets strength or various ways to apply the magnetic field.
TMS is often a treatment that can help when other treatment options are unsuccessful. Its also an important option because its noninvasive. That means it doesnt require surgery, and the entire treatment happens through your skin.
TMS can also offer an alternative to treatments like electroconvulsive therapy (ECT), if ECT isnt an option or isnt effective.
The conditions TMS has full approval to treat may vary from country to country. TMS has approval from the U.S. Food and Drug Administration (FDA) to treat four conditions:
In addition to the approved conditions, research is ongoing to see if it can treat other conditions. These include, but arent limited to:
Theres limited available data on how many people undergo TMS per year. However, TMS is widely available, with accredited and certified providers in dozens of countries worldwide.
Before you undergo TMS, a healthcare provider will probably refer you to a specialist with training and experience in using this treatment. The specialist will also talk to you before treatment to make sure you meet the criteria for having TMS or if there are any conditions or circumstances that mean you shouldnt receive it.
Reasons that you shouldnt undergo TMS can include:
If your provider determines that TMS is a good and safe option for you, theyll talk with you about the treatment schedule they recommend. TMS takes multiple treatments typically three to five per week spread out over several weeks. For FDA-approved protocols for depression, a typical TMS course happens every weekday over six weeks for a total of 30 treatments. However, some newer treatment courses can greatly reduce the course of treatment down to a single week.
Because theres some variability in treatment courses, your provider is the best person to explain the recommended course of treatment sessions. They can provide the most accurate information specific to your case.
TMS is a noninvasive procedure. The only thing you might need to do right before the procedure is to take off glasses with metal frames or remove any metallic jewelry items. Removing all metallic jewelry is a safety precaution in case they contain any magnetic metals you dont know about.
The magnetic coil for TMS is inside a nonmagnetic case or housing. Some devices use a magnet inside a helmet that you wear. Others have the magnet attached to an extension arm (much like the type of arm that allows a healthcare provider to position an overhead light during a medical procedure). Your provider will have you sit in a specially designed chair underneath or beside the magnet.
Once youre seated comfortably, your provider will give you earplugs (or another type of hearing protection). Thats because the sound of the magnet is loud enough to damage your hearing (using hearing protection is also standard with MRI scans for this same reason).
After you have hearing protection in place, your provider will position the magnet on your head. That either involves putting on the magnet-containing helmet (with a chin strap, so it stays in place) or positioning the extension arm with the magnet at its end, so the outer case of the magnet is against your face. The specific placement depends on the condition you have.
Before starting the treatment, your provider will give single-pulse stimulations on your scalp. This helps to find the right location and setting for your treatments. Once the magnet is in position, theyll start the treatment. Early on, youll feel a tapping-like sensation from the magnet as your provider slowly increases the strength of the magnetic pulses.
As the pulse strength increases, youll notice a twitch or movement in your hands, especially in your thumbs. This is normal, and your provider will watch for it because it helps them know when the pulse strength is high enough.
After finding and setting the right pulse strength, your provider will have the magnet deliver pulses with a specific timing or pattern. Youll hear clicking sounds during the treatments as the magnet turns on and off. This is also normal. There may be pauses between a series of pulses. Thats because the electricity that powers the magnet also makes the magnet heat up, and those pauses give the magnet time to cool.
Depending on the type of TMS youre receiving, including the pattern of magnetic field pulses, the treatment sessions can last anywhere from a few minutes to half an hour. Your provider is the best person to tell you how long a session will take.
The sessions that follow the first TMS treatment are usually very similar to or the same as the first session. Your provider may make some adjustments to the treatment, depending on changes in your symptoms since the first treatment or side effects that you experienced.
Once a treatment session is over, you can return to your usual routine or schedule for the day. If you have lingering side effects, such as twitching or unusual sensations in your head or face, your provider may ask you to wait a few minutes before leaving. Most of the symptoms that follow a treatment session are mild and only last a few minutes (more about these under the Risks and Benefits section).
TMS has several advantages that make it a useful treatment.
TMS has relatively few side effects, risks and complications. The most likely serious side effect of TMS is having a seizure. However, these are also extremely rare. The risk of having a seizure from a TMS session is 0.01%, or less than 1 in 10,000.
The most likely complications, most of which are mild and usually dont last more than several minutes after a session, include:
Most people can return to their usual activities and routine immediately after a TMS session. Some people may need a few minutes to let side effects pass, but this isnt common.
You should see your healthcare provider as recommended for your visits. A key factor in whether TMS works is attending all the sessions as recommended. Missing sessions makes this treatment less effective. You should also contact your healthcare provider if you notice any side effects that are moderate or severe or that linger or dont get better even a few after a session.
People with conditions like major depressive disorder and obsessive-compulsive disorder have a higher risk of dying by suicide. You should get emergency care if you have disturbing thoughts about harming yourself, including thoughts of suicide or harming others. If you have thoughts like this, you can call any of the following:
Experts have performed dozens of research studies on TMS. None of those studies has linked TMS to harmful changes in the brain. There are very isolated cases where people have reported significant side effects. However, such cases are extraordinarily rare, and there are only a handful of such cases where experts concluded that TMS probably or definitely was the cause.
A note from Cleveland Clinic
Transcranial magnetic stimulation (TMS) is a treatment technique that involves using a magnetic field to influence the electrical activity of your brain. This treatment can help with depression, obsessive-compulsive disorder, smoking cessation and migraines.
While it isnt a first-line treatment, TMS does offer hope to people who havent seen improvements from other more-common treatments. In the case of severe or treatment-resistant depression, TMS is a treatment with life-saving potential. Experts are also researching whether it can help many other brain-related conditions, opening up the possibilities of even more uses for the treatment.
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