Sunday, April 29, 2012

Semi Truck, Big Rig Trucks, Over The Road Truck, Tractor Trailer Financing

In these days market, start up and experienced businesses have a rare opportunity to acquire an needed financing deal for tractor trailers, big rigs and over the road, tractor trailer and sleeper cab trucks.The primary opportunity, for the consumer. is to visit their local dealer and locate his semi truck there. This is notable place to begin and acquire pertinent information that will be used later in the data gathering process. From there, it is recommended searching the internet and its mass volume of data that is obtainable. .

Once he has located a source of tractor sleepers on hand to him, he is able to get in touch with these sellers and negotiate a arrangement that might be able to meet his desires. Once he is agreed to a cost and its particulars, his next hurdle is to find adequate lending. Now financing arena has become much lesser and more challenging to acquire financing than two years ago.

Financial institutions, in the former, that used to back this niche market have either pulled their assortmentmoney out of this field or have customized its' leasing requirements. It is not unheard of at the moment this market. The experienced business with excellent credit might be able to get in as low as a couple of costs down plus document fees but might be essential to have either A or B credit.

Other seasoned businesses that don't meet these credit requirements, may possibly be mandatory to put up 10-30% down or either place up additional guarantee as their credit scores fall below 600. Most buyers don't get pleasure from these tightening lending qualifications., are sheltered out of this market, and will start looking for solutions that are open due to market provisions. In addition to the marketplace qualifications. of large monies due upfront, the traditional financial institution has tailored his risk/reward factor for the failure and possible repo of these trucks.

Therefore, the rate and/or interestaspect that the lender charges has gone up making it a bigger test to complete the leasing end once the want to be consumer. locates his purchase.... As the market has destabilized due to market conditions, standard lending has altered as we know it. The lender has acquired another dilemma that makes their equation a minimal extra strenuous.

In the past year, the trucking industry has turn into added uneven. As the spread of defaults on the payments of over the road trucks, semis etc have risen to all moment levels, the institutions have been taking back these trucks by the droves that are earmarked as repossessions. This has caused a dilemma with standard lending practices and trying to keep steady it with a non producing income assortment. If these financial institutions don't act rapidly and sensibly, the pattern of these two type of portfolios can be upsetting to the lenders' bottom line.

A third factor to entertain is the off lease semi truck. These trucks are being brought back to the lender and they must the item in lieu of exercising the buyout option.

A repossession is dissimilar than an off lease since it has arisen due to a default of the lessee for non payment provisions or a breach of the terms of the lease. Either way, the bank has taken these trucks back and/and these days ought to to put back into working order these trucks and either put up for sale these trucks or re-lease them. Occasionally, as these inventories either be situated or whatever reasons aren't moving, the bank will put these items} up for auction.

At the present moment, the banks have two unique types of lending portfolios to consider and must be required to act suitably. Standard financing on innovative business deals still want severe lending practices based upon the credit markets and the risk/reward factors lenders make out out there in the banking markets. The second type of portfolio, for the off lease and repos, require likelihood a additional lenient tactic to liquidating their inventories carefully and recreating the income stream for the financial institutions. This will be discussed below.

Nowadays money to begin a lease can begin as minimal as foremost payment only to whatever you might able to reach agreement upon. The buyout clauses on these over the road trucks can range from a .00 buyout to 10% to 20%, Trac leases to possible fair marketplace value buyouts. One should recognize these clauses since they have an influence on the passing of title.

These beneficial banking arrangements by the financial institution has stimulated the buyers desires and requirements to either enter the trucking industry as an owner operator and/or opportunity an extension of a current business. Primarily Period buyers, whom were eliminated out of this market in the past, these days has an exceptional chance to earn more income by acquiring a semi truck for himself. . Additional banks that might have mandatory up to 30% down in the prior might accept as little as 3% down to get one of their repossessions and/or off leases...

Additionally, a quantity of banks could offer advantageous monthly payment terms vs usual leasing to obtain their off lease and repossessions vs. the purchaser looking to get a truck at a dealership.

For this commentary, upcoming opportunities for over the road trucks, tractor sleepers and big rigs for the clientele relate to the following manufacturers:

Petebilt, Mack, Kenworth, International, Freightliner, and Volvo.

In conclusion, this is a patron's market for tractor trailers, big rigs and over the road trucks, sleeper cabs, etc

One should calculate all the outer factors concerning to this acquirement and its related financing. Furthermore, there are two diverse financing markets out there, one for the usual asset from the dealership and the possibility} of acquiring a repossessed and off lease from a financial institution at advantageous market and lending conditions. As constantly it is prudent, if possible, to locate leasing previous to semi truck} hunting, it may possibly prevent a lot of moment and strain.

Happy hunting for your semi semi truck, big rig semi truck, over the road semi truck, sleeper cab acquisition and its related financing.

Friday, April 27, 2012

$20,000 Personal Loans With Bad Credit: Realistic Funding For Everyone

It only seems logical that in order to convince a lender to grant a large loan, it is necessary to have an impeccable record. After all, the larger the loan; the greater the risk though providing some collateral helps to patch that up. But even someone seeking a ,000 personal loan with bad credit can look forward to approval.

This is not foolish talk. There are several lenders willing to grant what are known as high risk loans, mainly due to the fact that higher profits come with them. But even when higher interest rates are charged, securing loan approval with competitive and affordable terms is possible.

True, credit scores can have a minor influence on terms, but with income and debt-to-income ratio the two most significant factors in the approval process, a large personal loan is within reach regards the credit score, if these are addressed.

What Lenders Really Care About

There is a tendency to believe that lenders are obsessed with credit scores, but this is untrue. We are warned about our credit history to encourage us to maintain our repayment schedules, but lenders are more interest in other factors. So, seeking a ,000 personal loan with bad credit can always end happily.

Income is one of the two chief factors that lenders really care about. After all, if an applicant has not got an income, or at least a large enough income, then he cannot make the necessary repayments. Hopes of securing loan approval rest on being full-time and gainfully employed, or having a profitable business.

Of premium concern, however, is the debt-to-income ratio of an applicant. This is what reveals whether the repayments on a large personal loan are affordable or not, with current debts compared against monthly income. Of the excess income, only 40% is permitted to be used to cover the new loan.

Adding Security Can Swing The Deal

While proving affordability is an essential part of any loan application, convincing the lender that repayments will be made without a hitch, and they will get their money back, is equally important. With that in mind, offering some security is the best way to convince them that granting a ,000 personal loan with bad credit will not be regretted.

Collateral can be used as compensation in the event that the borrower does default on the loan, but it also has to match the value of the loan. With a ,000 loan, finding possessions worth that amount of money can be difficult.

A cosigner is probably the best option, and certainly makes, securing loan approval much easier. As a guarantor, the cosigner promises to make the repayments in the event the borrower is not able to do so. That lowers the risk greatly, allowing the lender to lower the interest rate. This can mean significant savings with large personal loans.

Trust In The Online Deal

As friendly as a local bank might seem, traditional lending institutions have strict lending policies that tend to give bad credit borrowers a hard time. A worthwhile choice of lender is an online lender, with whom those seeking a ,000 personal loan with bad credit are more likely to get competitive terms.

What is more, securing loan approval is much more likely since they are recognized experts in bad credit lending. And their loan packages are specially structured to accommodate the needs of bad credit borrowers.

For example, the loan term is longer so that the monthly repayments on large personal loans are kept as low as possible.

Easy Payday Loans

An easy payday loan is a great way to cover expenses when you are short on cash. This type of small loan is ideal for such expenses as a late phone bill, a replacement tire, covering a dental bill, or even an emergency vet bill. No matter what the situation is, the easy payday loan can help you in your time of need.

However, easy payday loans are intended as loans for the short term and emergencies only. These loans are not to be considered supplemental income and should not be used for trivial situations. Using an easy payday loan for something you truly do not need can throw you deeper into debt or even hurt your credit.

It is best to use easy payday loans for something you need, like an unexpected bill to repair your car so you can get to and from work, or to cover that last dental visit. You should not use your easy payday loan to cover a shopping spree or a new hair style. It is also unwise to take out a payday loan to gamble or to pay off another payday loan. Reasons you should not abuse a payday loan in this way is that payday loans have rather high loan fees, usually up to 25%. If you take a payday loan out for something you do not need, you are not handling your money wisely.

Always make use of payday loans with care and responsibility. Before deciding to accept a lender's loan terms, always be sure to read the fine print and look for any hidden fees or costs that they may have. Be sure you understand the repayment schedule. Furthermore, it should go unsaid that you should only borrow what you know you need not what you want to spend. This way, when it comes time to repay, you will be able to afford to do so.

Business Start Up Loans

Starting a new business simply implies that you must first have a good amount of funds in your pocket. Requirement of funds is not only for one time beginning of the trade but thereafter also the financial need often arises for various business purposes. Business starts up loans are especially carved for the purpose of providing the funds for up coming new trade.

Your new business may not be having a credit record yet. So, your personal credit report will play a role in taking out these loans. The lenders will study the report for assessing the risks involved in dealing with you. Hence, get copies of the report free of cost and check it for any errors in it and then apply for the loan.

If your credit history is risky due to cases of late payments, arrears, defaults and CCJs, it would be advisable to first pay back old debts and apply for the loan after some improvements in your credit record.

Business starts up loans are for both the homeowners and non-homeowners. For homeowners, these loans are available as secured loans against the borrowers' valued asset like home or any other property, depending on the loan amount. So, you can borrow any greater amount depending on value of collateral. Collateral allows for borrowing the loan at low rate of interest and repayment also is convenient in the range of 5 to 30 years.

The unsecured loan for starting a new business does not require collateral but interest rates will be set a little higher. Only smaller amount of loan will be approved and its repayment will be in short-term of few months to 15 years, depending on the loan amount. This loan can be availed by both the homeowners and non-homeowners for any business purpose.

And in the last, we must advise you to first compare various offers of business start up loans on websites of the lenders. See which offers are suitable to you in terms of lower interest rates and fewer additional fee charges. Read the terms-conditions minutely and ensure that that the lender has revealed the entire fee charges prior to signing the deal.

Thursday, April 26, 2012

With Structure And Purpose: A New Approach To Regulating Medical Marijuana

The Ohio Medical Cannabis Act of 2012

This Amendment exempts Ohio's sick and dying those with specific debilitating medical conditions and symptoms from all criminal and civil penalties. Patients must obtain a written recommendation from their doctor to use medical cannabis, register with the state, and follow the provisions of this Amendment.

Known as patients, they must apply for and obtain a photo identification registry card entitling them to use, buy, possess, and transport a maximum of two hundred grams of usable cannabis. Patients may also cultivate up to twelve mature cannabis plants to alleviate their suffering. A patient can designate a caretaker a family member, roommate or person with their medical power of attorney, twenty-one years or older to buy, posses and transport medical cannabis for the patient under their care.
A New State Agency Modeled on a Familiar Framework

The Ohio Medical Cannabis Act of 2012 creates governmental bodies to regulate, control and enforce the mission of this proposed Amendment. The Cannabis Commision is designed to prevent access to medical cannabis by those not authorized to use it, while reying upon and mirroring existing laws in the Ohio Revised Code.

Our ammendment mirrors the proven regulatory business structure of the Ohio State Liquore Controll Board. While the infrastructure may be similar, the rules and regulations to be applied are specificly written for the strict controll of medical cannabis. A well regulated, state-wide system governing the cultivation, manufacture, distribution and sale of medical cannabis for the sole benefit of Ohio's sick and dying, provides the strongest form of protection for patients and the citizens of Ohio.

Modeling a regulatory system upon existing, proven law provides "uniformity of legislation," which further increases the degree of protection for patients, caretakers and their providers of medical cannabis.

The Ohio Liquor Control Board and their governing laws, now 77 years old, are well known and understood by Ohioans, police departments, prosecutors, the courts and local elected officials. This uniformity of legislation leaves no legal gray areas. There are 77 years of legal precedence from which the courts can draw opinions. Therefore there is little chance for misunderstandings and confusion over how these laws will work for medical marijuana. This will dramatically reduce the chances of anyone being improperly arrested and prosecuted when following the law.
The Ohio Commission of Cannabis Control

This commission is empowered to oversee the Division of Cannabis Control, the Superintendent of Cannabis Control and to create rules and regulations necessary to fulfill the mission of the Ohio Medical Cannabis Act of 2012. The commission's core infrastructure is based upon the Ohio Commission of Liquor Control. By serving the public interest in this fashion, the Amendment relieves the Ohio General Assembly from having to dedicate time and effort to developing it's own unique rules and regulations through legislation.

While the governing infrastructure of the Ohio Commission of Cannabis Control is modeled off of the Ohio Commission of Liquor Control, the rules to be enforced are by no means the same and are written to greatly support the rights of patients while preventing access for recreational use and protecting those providing this medication.
The Commissioners and How Appointed

The Governor will appoint nine commissioners from a list of expert candidates presented by the reprisentatives of Ohio's seven medical colleges, the Ohio Agricultural Research and Development Center, and the Ohio Bar Association, and from applications submitted by patients, medical cannabis cultivators and entrepreneurs. Other representatives of the state will also be seated as non-voting ex-officio members, so as to represent all stakeholders in the state: law enforcement, public health officials, the Attorney General, the Ohio Senate, and the Ohio House of Representatives.

To the greatest extent as possible, due in part to how these commissioners are chosen, this commission will be science-based, objective, practical and devoid of the partisan and political discrimination.
The Ohio Division of Cannabis Control

Based upon the Ohio Division of Liquor Control, this body will assist the commission by establishing standards, putting in place the regulatory staff and enforcing the laws and rules related to the business of cannabis in the state using trained agents acting in the same manner as liquor control agents.

All agents will be trained and each must attend and obtain certificates from educational organizations, like Oaksterdam University, showing that they have studied and fully understand all the issues involved in the field of medical cannabis.

The Division of Cannabis Control, like the Division of Liquor Control will accept, review and issue all permits. This includes developing a system to provide patients, caretakers and commercial permit holders with confidential registration photo identification cards and creating a secure, confidential verification system for use by law enforcement.
The Superintendent of Cannabis Control

Appointed by the Director of the Department of Commerce, this individual will be responsible for operating the Division of Cannabis Control.
An Exceptional Standard of Excellence

This proposed system of regulatory bodies contains all the checks and balances required to assure the public interest is well served. The Commission, Superintendent and Division of Liquor Control, with its 144 employees, is today considered one of the most effective and efficient state governmental bodies in the United States. This level of excellence has made Ohio's liquor agency a subject for privatization by Ohio Governor Kasich.

By following this excellent regulatory model, with uniformity of legislation, we are assured the Commission, Superintendent and Division of Cannabis Control will serve the public interest with an equal standard of excellence.
Keeping Black-Marketers Out of the Business

A concern is the assurance that those participating in the state's new medical cannabis programs are safe, both legally and from the harms associated with the black-market.

We do not want people involved in this program who are willing to break laws in order to enhance the ill-gotten proceeds of their illegal trade. Organized crime, violence, theft, fraud, blackl, etc. will have no place, nor opportunity in this new program designed to benefit the sick and dying of Ohio.

To assure these criminal elements are excluded requires regulatory vigilance and dedicated enforcement; the same used to govern and regulate Ohio's liquor laws, of which have worked well for over 77 years.
Background Checks and Fingerprinting

The Ohio Division of Liquor Control issues 24,000 liquor permits each year to Ohio businesses. To obtain a liquor permit, the applicant must submit fingerprints and have a background check conducted by the Ohio Bureau of Criminal Identification and Investigation (BCI) and Federal Bureau of Investigation (FBI). Again, by adopting uniformity of legislation, we mandate the same for those applying for commercial permits from the Ohio Division of Cannabis control.
Excluded Felony Offense

The Ohio Division of Liquor Control excludes all persons with felony convictions from obtaining a liquor permit. Special consideration for a permit applicant with a felony conviction on a case-by-case basis is permitted and we propose the same.

A person convicted for felony marijuana crimes is excempt if the conduct which lead to their prosecution would likely have been legal under the provisions of this ammendment. For example, a chronically ill person convicted of treating themselves with medical cannabis will be allowed to apply for a permit. Also, a person convicted in another state for a felony marijuana crime will be exempt from this rule if that crime would be considered a misdemeanor in Ohio, or if the completion of sentence occurred more than ten years prior to the application for a permit.
Local Option Laws

To assure these proposed laws are thoroughly enforced, there will be uniformety throughout the state. We understand that local officials will appreciate not being forced to develop their own laws, rules and regulations for medical cannabis.The need for local legeslation in other medical marijuana states, has lead to many complications. We avoid this and consequently save our state's 2,800 independent political bodies of 20,000 elected officials from effectively re-inventing the wheel.

We realize that some localities in the state may wish to not allow medical cannabis retail establishments. Just as townships may not wish to permit the sale of spirituous beverages, citizens may ban there presence using the same Local Option Laws designed to designate a "Dry" township. If this is the case, voters of a precinct may elect to place upon their local ballot a measure giving the voters in that precinct the right to choose.
Non-Discriminatory Banking

In order to better regulate and control the business of medical cannabis in Ohio, this Amendment mandates all banks licensed by the Ohio Department of Commerce provide the same banking services to medical cannabis commercial permit holders as any other customer. Banks are not mandated under this initiative to provide loans.

The Ohio Medical Cannabis Act of 2012 will provide Ohio's sick and dying safe access to medical cannabis for the treatment and alleviation of their pain and suffering.

Patients will be allowed to possess 200 grams of usable cannabis (presently a misdemeanor with a maximum penalty of 30 days in jail and/or 0 fine). Patients may also cuultivate 12 mature cannabis plants. The cost of a patient ID card will be no more than double the cost of a drivers license [a maximum of roughly today]. Patients from other medical cannabis states with a valid ID will be recognized in Ohio and must adhere to the provisions of this ammendment.

Aside of the freedom from arrest and imprisonment by the state, there is no more important right for a patient than the Health Insurance Portability and Accountability Act (HIPAA). In short, this federal law ensures the rights of patients to keep private and confidential all information regarding their health, healthcare practices and their doctor patient relationships.

This Amendment guarantees to patients the rights to keep all information, records and data concerning aspects of their medical conditions and use of medical cannabis private and confidential. No person or state agency shall force a patient to waive their HIPAA rights, either by inducement or mandate.
Qualifying Medical Conditions

All federally approved medical conditions for the use of medical cannabis covered under the federal Compassionate Investigational New Drug program, begun in 1978 and continuing to this date, including but not limited to:

Multiple Congenital Cartilaginous Exostosis
Multiple Sclerosis
Nail-patella Syndrome
Human Immunodeficiency Virus (HIV) and Acquired Immune Deficiency Syndrome (AIDS).

Added to the Amendment are:

Any terminal patient or person with a terminal condition
Agitation of Alzheimer's Disease
Amyotrophic Lateral Sclerosis
Celiac Disease
Crohn's Disease
Hepatitis C
Post Traumatic Stress (PTSD)
Sickle Cell Anemia
Rheumatoid arthritis
Injury or disease to the spinal cord, spinal column, or vertebra; or the treatment of these conditions.
Those suffering from a "Debilitating medical condition."

"Debilitating medical condition means one or more of the following: All federally approved medical conditions for the use of medical cannabis covered under the federal Compassionate Investigational New Drug program, including but not limited to: cachexia or wasting syndrome; severe or chronic pain; severe or chronic nausea; seizures, including those characteristic of epilepsy; and severe or persistent muscle spasms.

The Commission may add new medical conditions to the qualifying list and individuals can petition the Commission to consider an additional medical condition.
Special Circumstances for Non-Qualifying Medical Conditions

A physician may petition the Commission's Medical Committee to allow a patient under their care whose medical condition is not listed as qualifying, but feels medical cannabis might provide a benefit, to obtain an ID. This allows for numerous "orphan" diseases and rare medical conditions that doctors often have difficulty treating, to qualify a patient for a medical ID card. Under these circomstances, the Commission may approve or deny the petition, or require the doctor to submit follow up reports and/or specify the unique conditions.

As an example, topical applications of medical cannabis have shown remarkably positive results in tests as a treatment for the often fatal, antibiotic-resistant MRSA disease. This is due in part to the strong antibiotic properties in some cultivars of cannabis that initiate apoptosis, or regulated cell death. In this case, the Commission may grant the ID, allow an ID with a limited expiration date, or limit the patient to only purchasing topical ointments containing medical cannabis.
For Terminal Patients and Patients with a Terminal Condition

Being terminally ill for any reason or cause, is listed as an official medical condition in our Amendment. This is a first for medical cannabis laws in the United States!

A "terminal condition" means that, even though there may be times when a condition is in remission, in all likelihood it will eventually lead to death. In this circomstance, the patient may obtain a permanent patient ID card without the required expiration and renewal requirements.
The Caretaker

A caretaker, as defined in this Amendment, is a patient's family member, a person who lives in the same residence as the patient, or a person holding the patient's medical power of attorney who is age twenty-one years or older and agrees to assist their patient with the medical use of cannabis. Caretakers may obtain a confidential registration identification card allowing them to purchase, posses and transport medical cannabis for the patient under their care. This Amendment recognizes the special and extraordinary responsibilities taken on by one who cares for the sick and attempts to make their lives easier. A caretaker may also apply for a patient ID card in assistance of their patient.
Patient ID Cards - No Waiting

This Amendment allows a patient to obtain a confidential registry photo ID card the same day they obtain a written certificate from their doctor and to obtain medical cannabis that same day. Patients may apply for and obtain their ID card from their local Deputy Registrars Office. The patient can, if they choose, mail an application to the Division and wait for a response.
A Seasonal Outdoor Cultivation Permit

This Amendment recognizes that the often expensive costs for medical cannabis can be dramatically reduced if the patient is able to cultivate their own medical cannabis. It also recognizes that Ohio's climatic and soil conditions are among the finest on earth for cultivating cannabis. As such, this Amendment allows the Division to issue a special seasonal permit to patients, allowing them to keep the total harvest from a yearly outdoor cultivation of 12 mature cannabis plants for personal use. The patient may keep the entire harvest, even though a seasonal harvest might produce more useable cannabis than otherwise allowed under the 200 gram limit.

Patients are not required to obtain an outdoor cultivation permit cultivate 12 mature cannabis plants, but they cannot exceed the 200 gram limit for usable medical cannabis. If a patient wishes to grow their own medical cannabis, they must designate their cultivation site on their yearly patient application form.
Driving while Under the Influence of Drugs (DUID)

Patients shall not be permitted to drive while impaired under the influence of medical cannabis. The penalties are sever and rightly so. However, this ammendment states that until and unless the National Highway Traffic Safety Administration develops and mandates standardized tests for operating a vehicle under the influence of cannabis, a registered qualified patient shall fail a generally accepted field sobriety tests given by law enforcement personnel, which shall be captured on a video recording devise for court proceedings, before the patient can be suspect of driving under the influence;

A provision in our state's DUID laws regarding the presence of metabolites from a controlled substance in the blood, offers the following exemption, The person obtained the controlled substance pursuant to a prescription issued by a licensed health professional authorized to prescribe drugs. For the purpose of this Amendment we change the word prescription to written recommendation.
The Patient / Employer Relationship

Ohio is an "At Will" state and you can be fired for showing up late, or your choice of attire. However, there are specific anti-discrimination laws that prevent an employer from disciplining or firing their employees for race, sex, age, etc. and the Ohio Medical Cannabis Act adds new anti-discrimination language that prevents workplace abuses and allows a medical marijuana patient to bring suit if they were blatantly discriminated. However, workplace use of medical marijuana can be banned and the proposed law also provides clear language for employers to assure and protect their companies and fellow employees from any harm. Also, it will not protect a medical marijuana employee who is in a safety-sensitive position, i.e. transportation, law enforcement, etc
The Limits of Our Amendment for Patients

Due to the State's prohibition against the recreational use of marijuana and the blanket federal prohibitions in general, this Amendment requires certain provisions we would rather not impose upon the sick and dying. But to make this system work, to protect patients from the evil of the black-market, and to provide the best possible protections for the citizens of Ohio, this Amendment proposes certain compromises.
A Sales Tax on Medical Cannabis

Culinary herbs are the only herbs exempt from sales tax in Ohio and cannabis isn't a culinary herb. Cannabis would be listed as an herb or other botanical and classified as a dietary supplement that is taxable. Medical cannabis will be taxed the same as all other non-culinary herbs sold in the state, suck as bloodroot, St. John's worth, goldenseal, wormwood etc.

For cannabis to be listed as a medicine and exempt from Ohio sales tax requires the creation of specific regulations by the US Food and Drug Administration, and this Amendment unfortunately doesn't apply to federal agencies.

Keep in mind that the estimated annual purchases for medical cannabis in Ohio will help create upwards of 10,000 new jobs, and the funds paid in county and state sales taxes will pay for hundreds of city and state employees.
Limit on Patient's Purchase of Medical Cannabis to 60 Grams
Preventing the diversion of medical cannabis to the black-market and into the hands of those unauthorized to use it.

The Ohio Division of Liquor Control sets the minimum price of beer to reduce the possibilities of diversion. Beer could be sold for 10 cents a can, but that would encourage people to buy and resell for a profit. This would allow it to get into the hands of children. We do not wish to allow the Commission of Medical Cannabis to set the price of medical cannabis in Ohio. However, we understand the wisdom to control pricing as a means to help prevent diversion. This is another instance of uniformety of legeslation.

Patients will be allowed to posses up to 200 grams, roughly half a pound. If they could purchase that amount, they would rightly expect and get a dramatically reduced wholesale price.

In order to help prevent patients from arrest, legal entanglements and involvement with the black-market, this Amendment limits the amount allowed to be purchased by patients and their caretakers to 60 grams. It doesn't matter if a patient purchases 200 grams in one day from four different sources, but obviously, they will not receive a dramatically discounted wholesale price for their multiple purchases.
The Cultivation of Medical Cannabis in Ohio

All medical cannabis grown in Ohio must be kept in an enclosed and locked facility. An enclosed and locked facility means a room, building, greenhouse, or garden, equipped with locks and kept locked whenever the cardholder is away. Outdoor cultivation sites must also be screened to obstruct the view of cannabis plants from the outside at ground level.

Patients may grow up to 12 mature cannabis plants and are not required to obtain a commercial cultivation permit.

Mature cannabis plant means a cannabis plant that has undergone botanical sexual differentiation as shown by having flower buds that are readily observable by unaided visual examination with the excemption of perscription eyeware.

Immature cannabis plant means a cannabis plant that has not yet undergone botanical sexual differentiation and therefore not a mature cannabis plant.

Cannabis plants, useable cannabis, etc. shall not be shall not be seized or forfeited if possessed according to the rules of this Amendment and This Amendment shall not prevent the seizure or forfeiture of cannabis or cannabis plants which exceed the amounts allowed under this Amendment,
Commercial Cultivation Permits

Except for patients who grow their own, all medical cannabis cultivated in Ohio will be limited to those obtaining yearly permits from the Division.

Individuals, age twenty one years or older, free of any excluded felony convictions and holding a valid vendor's license, may apply for a yearly commercial cultivation permit.

If grown in an area zoned residential, the permit limits the grow to a maximum number of mature cannabis plants allowed by the sum of two patients. If grown in an area zoned for agriculture, commercial enterprises or industrial activities, the permit limits the grow to a maximum number of mature cannabis plants allowed the sum of eight patients.
Classification of Commercial Permits Issued by the Division

A Designated Cultivator: This is known in other states by the euphemism of caregiver. The fee for this permit will be double the cost of a driver's license () for each registered qualified patient the designated cultivator registers under their permit and up to a maximum of eight patients will be allowed. Designated Cultivator Permit Fee: from to 0, depending on the number of patients served.

A Medical Cannabis-Infused Product Manufacturer: These products include traditional tinctures, oils, lotions and edible products etc. These non-smoked products are extremely important to many patients.

This cultivation permit allows a maximum number of mature cannabis plants equal to the number allowed for eight patients.This permit also allows the holder to contract with another holder of a cultivation permit to obtain sufficient amounts of cannabis to manufacture their cannabis-infused products.

An applicant for this permit must have their manufacturing site inspected for cleanliness and sanitation by the applicant's local Department of Public Health and licensed by Department of Agriculture, depending upon the nature of the products being manufactured. A copy of the site inspection and the food preparation license is required for application.

Additional regulations require products be sealed and labeled with a list of all ingredients used in the manufacture and the label to clearly read, This Product Contains Medical Cannabis. These products are not exempt from sales taxes. Cultivation Permit Fee . Operation Permit Fee .

An Agricultural Cooperative: This state chartered, not-for-profit organization allows patients, caretakers and volunteers to work together. They can cultivate cannabis plants and distribute useable cannabis only to the registered qualified patient members of the cooperative. The organization shall not possess more useable cannabis nor cultivate more mature cannabis plants than allowed the sum of its patient membership. Cultivation Permit Fee . Operation Permit Fee .

A Scientific Research Laboratory: This permit holder tests cardholders' cannabis for purity, cannabinoid content, horticultural contaminants, etc. It also allows for the research and development of new and useful cultivars of cannabis and selling seeds, germplasm, cuttings and clones. This does not allow the sale of useable cannabis. This permit allows growing no more mature plants than allowed for eight patients.

The reason for creating a permit for the combination of testing cannabis and germplasm research is to encourage the capital investment in scientific equipment for testing, which would also be extraordinarily useful for the development of new and useful cultivars and to provide an addition income stream to help pay off the hefty expense of the scientific equipment. Cultivation Permit Fee . Operation Permit Fee .

A Safety Compliance and Educational Facility: This permit allows an organization to do any and all things allowed under this Amendment, including the use of medical cannabis by registered qualified patients for demonstration purposes on the grounds of the registered premises. Its goal is to provide the highest value and worth of an educational experience to cardholders, interested individuals and employees of the division and department. This cultivation permit allows the cultivation of no more mature cannabis plants than allowed eight patients. This permit does not allow the sale of useable cannabis.

Only seven permits in this class will be issued and locations will be spread around the state. Cultivation Permit Fee . Operational Permit Fee ,563

A Medical Cannabis Retail Establishment: The requirements to obtain these permits are extensive and there are a limited number of permits allowed. The application and the process for granting these permits are not easy. Applications will be reviewed, weighed and scored by the division, then turned over to the commission who will pick the best applicants for permits.

The cultivation permit follows the same rule required of vineyards by the Ohio Division of Liquor Control. The permit holder shall cultivate no less than sixty percent of the usable cannabis they dispense to patients and may obtain a maximum of forty percent of their usable cannabis by contracting with other cultivation permit holders.

A few regulations of note include: just like our state's liquor laws, the location of a retail establishment may not be within five hundred feet of a school, church, library or public playground; the types of signage and advertising have certain restrictions; security, safety and record keeping requirements are extensive; and all employees must be licensed and trained. There a lot of dos and don'ts.

The total number of permits initially granted will be 471 state-wide, roughly equal to and following the same formula for the number of State Agency Liquor Stores in Ohio. One is allowed in each county with an additional allowed in each county for each 30,000 citizens in that county. In practice, the total number will be less because nearly half the counties in Ohio do not have a population large enough to support a medical cannabis retail establishment.

Voters may ban a medical cannabis retail establishment using existing Local Option Laws as briefly described elsewhere in this document. Cultivation Permit Fee ,563. Operational Permit Fee ,563.
Contracts Between Permit Holders

Cultivation permit holders may sell useable cannabis, plants, infused products, etc. to other permit holders under specific regulations noted in this Amendment and under reporting rules to be established by the Commission. An excise fee of 1% shall be charged on each transaction conducted between permit holders and paid to the Division.

Commercial permit holders many also obtain additional permits from another class of permits. For example, a co-op may also obtain a cannabis-infused products manufacturing permit.

Monday, April 23, 2012

Information to Gather Before Appointing a Real Estate Attorney

Real estate attorney is basically an authorized legal adviser or representative who can help you sell or purchase a particular property. The property may include any tangible ground, homes, land, furniture or fixtures. Others may include organizations, huge shopping malls, hotels, restaurants and many such properties. Real estate attorney deals in issues including partnership contracts and deals, economic failure or bankruptcy, licensing agreements, business leases and several other issues of similar nature. Are you facing difficulties in dealing with a specific asset or land? Your difficulties have now come to an end with the growing number of experienced lawyers. You can now appoint a good real estate attorney to deal effectively with your property issues. If you have made a choice of appointing a lawyer to put a full stop to your problems, you have made the right decision. Hiring a real estate attorney will save you from a lot of time consuming things like paperwork.

Once you have made a choice of appointing a real estate attorney, the question that arises as to what to do in order to select the best real estate attorney. This article will bring to your knowledge the answer to this question. With growing economy, realty business is also evolving with time and the need and demand of a real estate attorney is also increasing as he is the only person who can guide you rightly to deal with property related issues. Some people might prefer consulting a professional adviser without realizing the fact that these advisers do not have the legal expertise required like a real estate attorney. A real estate attorney can better deal with property issues as compared to professional advisers.

Best real estate attorney will not only provide you with legal advices but also support you and guide you with property related problems that you might face in the upcoming years. Through the process of finding an appropriate lawyer, take advice and assistance of your close links, neighbors and relatives. Refer to people who have personally experienced similar situation and can provide you with useful and valid information. Other possible and easily accessible source is the internet. Everything can easily be found over internet including a good real estate attorney. Almost, all law companies have an official site. These websites contain all the required data about the lawyers available in their company. You can draw down the names of the lawyers suitable for your case and arrange an appointment via telephone or email. This information can also be obtained from the bar association located in your town. There is some information that is essential to obtain from a real estate attorney before making your final hiring decision. Some inquiries that are required to be made are discussed as follows:

Question regarding their past work experience in this field and the kind of issues they had dealt with in their past cases.
Verify his education and status.
Inquire about the work environment in their firm and the resources that he uses to resolve a problem.
As you will be paying him for his time and expertise, it is important for you to know about his availability. Make sure that he is able to give you sufficient time.
Last, but not the least, inquire about the fees he charges and evaluate whether the amount he is charging is worth the services that he is offering you.

Obtaining the above information will help you appoint a good and an experienced real estate attorney for all your property or land related problems.

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Sunday, April 22, 2012

Making Good Use Of A Fast Cash Loan

Cash emergencies are something most of us face at some time or another. The car breaks down, or the kids need a quick trip to the dentist, or we run a little short of money until the next pay check. These are all common occurrences, and when they arise now we have the ability to rely on fast cash loans to see us through.

In the past some people abused this type of financial privilege and didn't use them wisely. They saw it as a means of getting quick money to perhaps use on things that were not really a necessity. As a result of this type of behavior they found themselves getting to a point where they weren't able to pay these short term loans back. This ended up with cash advances till payday got a bad rap. There were some loan lending companies such as this that didn't help much either.

You want to realize that if you are going to take advantage of fast cash loans that you first should deal with a reputable company. These are the ones that are up front about their lending rules. They are not loans that you can make use of then decide to pay them back whenever you choose. There are firm payback rules in place and potential penalties that will be imposed if you do not honor your contract. It is reasonable that these fast cash loan companies would set these types of rules. They operate on quick cash turn over therefore they need quick cash payback rules.

If you set your guidelines to utilizing these types of cash services in a responsible manner then you will always have the comfort of knowing that there is a money resource for you to be able to tap into when the need arises. Most financial institutions will not offer small loan opportunities simply because there is not enough of a profit margin in it for them. This is why in the past it has been so difficult for individuals in need of cash quickly to find a resource for it. It meant that they would have to turn to friends and family and this is an embarrassment for many.

It is wise to reserve this easy to obtain method of extra cash for when you really need it. Don't get into the habit of using it for non emergencies as this is where you will tend to be spending money that you won't be able to pay back. Find a good fast cash loan company and be content with knowing that they will be there when you need them.

Saturday, April 21, 2012

Iowa Student Loan Grant Program Will Assist First-Year Teachers

A new grant program from Iowa Student Loan will provide ,000 cash grants to first-year teachers in Iowa who accept assignments in certain "shortage areas," as designated by the state Department of Education.

The ,000 one-time awards are not student loans and do not have to be repaid. The grant program, which is expected to continue annually, will be funded from Iowa Student Loan's operating revenue and is expected to help more than 60 teachers each year. Grants will be awarded on a first-come, first-served basis.

>> Applying for an Iowa Student Loan Teacher Career Establishment Grant

First-year teachers in qualifying subjects like mathematics, science, English as a second language, foreign languages, music, agriculture, industrial arts, and special education can apply for the grants online.

The program, named the Teacher Career Establishment Grant Program, is designed to help new teachers with living expenses. The grants can be used to help repay student loans and reduce student loan debt but can also be used for any other expenses. Iowa Student Loan doesn't place restrictions on how the money can be spent.

The Iowa Student Loan grants are intended to help recruit and retain new teachers in Iowa. The program is open to all recent graduates, regardless of your current state of residence or where you went to college.

In order to be eligible for the grant program, you must be contracted to begin your first teaching job after Jan. 1, 2011, and you must teach in an Iowa classroom. You may not have taught in any other state prior to teaching in Iowa.

>> State Hopes Financial Aid Will Attract More Teachers

The Iowa grant program has been established in response to a growing need among Iowa school districts for qualified teachers.

A 2009 survey conducted by the Iowa Department of Education reported that the state had nearly twice as many math teachers who were ready to retire as it had incoming math teachers. The same survey also showed that the ratio of retiring teachers to new teachers in other academic shortage areas, like physics, was similarly lopsided.

One goal of the grant program is to convince Iowa education students to remain in the state and pursue teaching opportunities locally. By helping with newly minted teachers' first-year expenses, Iowa Student Loan hopes to bolster the number of highly qualified teachers that remain in the state after graduation.

For its part, the state has also recently moved to increase starting salaries in Iowa schools to make the decision to teach in Iowa easier on students who may be carrying a large debt burden from college loans.

Historically, Iowa had offered starting salaries for teachers that were among the lowest in the country. Recently, however, starting salaries for teachers in Iowa have risen from the bottom one-quarter of all state starting teacher salaries nationwide to about the national median starting salary.

>> Iowa Grants Begin as Student Loan Forgiveness Program Ends

These new Teacher Career Establishment Grants replace a student loan forgiveness program that was instituted in 2006 and is winding down this year.

The Teacher Education Loan Forgiveness Program, also sponsored by Iowa Student Loan, provided student loan debt reduction for more than 300 teachers who enrolled in the program. The student loan forgiveness program provided millions of dollars in student loan debt relief for teachers who accepted assignments in areas where teacher shortages were apparent.

The student loan debt forgiveness program has paid out approximately 20 percent of its committed funds and will pay the remaining 80 percent as program participants fulfill their teaching commitments. The Teacher Education Loan Forgiveness Program stopped accepting applications at the end of the 2009-10 academic year.

>> About Iowa Student Loan

Iowa Student Loan, based in Des Moines, is a private, nonprofit financial aid organization established in 1981 to help Iowa students and families obtain the money they need to pay for college. The organization also provides benefits in the form of discounted college loan products and student loan forgiveness programs, and it supports free college planning services for students and their families.