What Has the Law to Do With a Wedding Invitations List?

One Saturday afternoon I brought my 17-year old nephew to my solicitor’s office. We were attending a wedding dinner that night. I ushered him into my chamber, and he found himself surrounded by voluminous law books, law periodicals and law reports. He cast an amazed look at the amount of papers piling up on my desk – all requiring my urgent and immediate attention. I also had several large cards laying haphazardly on the desk – wedding invitations.

My nephew, who was interested in a career in law, took a book titled ‘Family Law’ and began reading it. Meanwhile I continued my work of drafting a statement of defence to a plaintiff’s statement of claim, preparing an affidavit in reply at the same time. I also looked at some files of divorce cases which were scheduled for hearing at the High Court next month.

After reading for about 20 minutes or so, my nephew stood up and posed me a question: “Uncle, is there a relationship between whom one invites to his wedding and the law?”

“The simple answer to that question is, no, there isn’t. Whom do you invite is not governed by any law, of course. There would be legal chaos if there be a law governing how many guests one could include in one’s wedding invitations. But there may be relationship between whom one invites to one’s wedding and the state of one’s later married life, albeit a fortuitous one. Why do you ask?”

He shrugged, and said,” No particular reason. Just ask for the sake of asking.”

“OK, but you must avoid asking such questions in the future. If you are interested in the law, you are of course encouraged to ask questions – and good questions only. For example, you might want to ask why, in the first place, there are laws governing marriages and divorce.”

His curiosity piqued, my nephew was all ears, as I continued: “In the first place, do you know that a marriage is a contract? That means it entails contractual obligations on the part of the two parties to the marriage, and that’s why there are marriage and divorce laws and regulations.”

“Oh,” came my nephew’s answer, “I didn’t know that. It sounds rather unromantic that a marriage is a contract.” How true.

We spent the rest of the afternoon in my chamber. After my personal introduction to contract law, my nephew became quite interested in the law of contract. I handed him my Guest’s Law of Contract and he began to read it.

That evening, as we mingled with the guests who made the list on the wedding invitations, I couldn’t help reflecting on the question my nephew asked of me in the office earlier. Of course, a marriage (which is always lauded as being made in heaven) is a romantic affair, an occasion for joy and cause for celebration. Who would like to be told that, in the eyes of the law, a marriage, properly formalized, becomes a contract just as much as an ordinary, cold agreement comes into force after all the terms and conditions are fulfilled? Which couple would seek the solicitor’s legal advice on marriage while they are busy preparing the wedding invitations, wedding cakes, wedding reception and the associated paraphernalia? Of course that would be the last thing on their mind.

The Whistleblower Protection Law

It was not until 1986 when a law protecting whistleblowers is made. Congress added an anti-retaliation protection to the then existing False Claims Act.

A whistleblower is a person who tells on something he believes is an illegal act. The employees are the most commonly known whistleblower. They tell on their employers which they suspect is doing or committing an illegal act.

Under the Whistleblower Protection Law, the employee should not be discharged, denoted, suspended, threatened or harassed in any form that discriminates the terms and conditions of his employment because of the legal act done by the employee.

The employee may be of aid in many ways possible on the investigation, testimony and the likes. However there are some constraints under the whistleblower protection law.

Reporting illegal acts that are only within the company is a ground for exemption. But still there may be public policies that could protect the employee from retaliation

If it turns out that an employer didn’t actually break a law, the employee is still entitled to whistle blower protection from retaliation, if he reasonably believed that the employer committed an illegal act.

The whistleblower protection law does not cover employer retaliation for complaints about personal loathe. Office politics is not to be used as a basis for filing a complaint against the employer and use the whistleblower protection for personal gain.

In order for the employee to be protected from employer retaliation, he may the have a suspected desecration of any Federal Law. But the supposed violation should have provisions that the law violated will protect whistleblowers.

The Whistleblower Federal Law, unlike the False Claims Act, allows the whistleblower to file a lawsuit in a federal court. The Federal Whistleblower Law does not permit the whistleblower to go directly to the court.

The individuals concerned are pursued administratively. These individuals concerned could file a complaint or charge to retaliate with or without a lawyer to represent them. However if the case is not resolved immediately, the administrative law judge may then preside over the only evidentiary hearing that may take place.

A whistleblower should not attempt to delay an investigation of the possible legal remedy. To maintain this ruling, the retaliation should then be brought to the attention of an appropriate government official within 30 days, else the complaint could not be pursued.

Most states have some sort of statutory or common law “whistleblower” or anti-retaliation laws. Like the federal whistleblower laws, not every lawyer will know about these laws, especially laws outside their own state.

These states and the District of Columbia have recognized a public policy exception to the “employment at will doctrine”: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming.

Some states have explicit statutory protections for whistleblowers. These include: California, Connecticut, Delaware, Florida, Hawaii, Louisiana, Maine, Michigan, Minnesota, Montana, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oregon, Rhode Island, Tennessee, and Washington.

There are also state laws that offer special protections just for their own state or local government employees: Alaska, Arizona, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Missouri, Montana, Nevada, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia and Wisconsin.

The Smart Way To Read Your Credit Report

You might not realize but finding out the best way to read your credit report can actually save you a lot of time and money – it’s not even that hard to get started, but there are some basics that you need to get your head around all the numbers, abbreviations and unfamiliar terms before reading your credit report.

Before going to a website and getting your credit report you need to be aware that you will need to get more then one create report.

The three main credit report agencies will have a copy of your report but your information will be inconsistent across all three of them – lenders will report your information to maybe only one or two agencies and that information might be incorrect.

Your personal information is no doubt old and out of date as when past lenders reported on your personal information they will only normally report it back to one of the agencies.

You need to get a copy from each one and make sure you do this regularly through out the year, it is recommended that you get a copy from all three first and then get one copy every 4 months – but get one at a time – only by getting your report through this process can you be sure you have the correct information.

The main resign for this is that its voluntary reporting process so the lenders don’ have to by law report your information.

You need to make sure you get a consumer friendly report – don’t ask your friend who may work at a bank to get your copy for you – as you will not be able to read it correctly – you need to get a consumer version.

The Credit report layout Each report is divided into four sections falling under these categories – Identifying Information, Credit History, Public Records and Inquires.

Identifying information is quote obvious – it’;s all the key information about you but make sure you look t this closely – this is the most common place for your report to be incorrect, especially check you social security number.

Other personal information is your address, phone numbers, date of birth, drivers licenses, your employment information and your spouses name.

The following section is your Credit History – this is the most important information that your new lender will look at to assess your credit worthiness required to make an assessment. You might see that individual accounts are called trade lines.

The accounts will include each creditors name and the associated account number (this could be disguised for security reasons) Note that you may have multiple account kinds with the one lender as they will create a new one if you move.

Here you will have information like the date you opened your account, total amount of the loan, if you’ve paid off the account well and one time. It will also state how much money you owe and the credit limit, and ofcause the account status.

Look out for “charge Off.’s these are big black marks that mean that the lender has given up chasing you and has noted that they did not receive the money they were owed.

Public Recored You wan this section left totally pristine white – blank as can be. As having a report here will seriously impact your likelihood of gaining credit. bankruptcies, judgments and tax liens activities are listed here.

Inquiries – The Last Section This the place that will note each inquiry that was made you your account – noted as a soft or hard “call”so if you If you call the credit bureau and ask for a copy it will be on there. It’s great as it’s a very detailed entry record.

“Hard” inquiries are ones you initiate by filling out a credit application – you wan to avoid these as they will have a negative impact on your report if you have too many but the good news is that it also counts two or more “hard” inquiries in the same 14-day period as just one inquiry.

Read your report carefully and report any mistakes to each credit agency so you can get them all fixed and consistent as soon as possible.

I hope you know how to read your Credit Report, so you have a good handle on what your information means.