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		<description><![CDATA[Lawyer
From Wikipedia, the free encyclopedia
Jump to: navigation, search
&#8220;Lawyers&#8221; redirects here. For the television series, see The Lawyers.
For other uses, see Lawyer (disambiguation).
Lawyer Honoré Daumier 018.jpg
19th century painting of lawyers,
by French artist Honoré Daumier
Occupation
Names 	Attorney, counselor (counsel), solicitor, barrister, advocate
Type 	Profession
Activity sectors 	Law, business
Description
Competencies 	Analytical skills
Critical thinking skills
Knowledge of the law
Proficiency in legal research and legal [...]]]></description>
			<content:encoded><![CDATA[<p>Lawyer<br />
From Wikipedia, the free encyclopedia<br />
Jump to: navigation, search<br />
&#8220;Lawyers&#8221; redirects here. For the television series, see The Lawyers.<br />
For other uses, see Lawyer (disambiguation).<br />
Lawyer Honoré Daumier 018.jpg<br />
19th century painting of lawyers,<br />
by French artist Honoré Daumier<br />
Occupation<br />
Names 	Attorney, counselor (counsel), solicitor, barrister, advocate<br />
Type 	Profession<br />
Activity sectors 	Law, business<br />
Description<br />
Competencies 	Analytical skills<br />
Critical thinking skills<br />
Knowledge of the law<br />
Proficiency in legal research and legal writing<br />
Education required 	see Professional requirements<br />
Fields of employment 	Courts, government, private sector, NGOs, legal aid<br />
Related jobs 	Judge, Prosecutor, Law clerk, Law professor<br />
v · d · e</p>
<p>A lawyer, according to Black&#8217;s Law Dictionary, is &#8220;a person learned in the law; as an attorney, counsel or solicitor; a person who is practicing law.&#8221;[1] Law is the system of rules of conduct established by the sovereign government of a society to correct wrongs, maintain the stability of political and social authority, and deliver justice. Working as a lawyer involves the practical application of abstract legal theories and knowledge to solve specific individualized problems, or to advance the interests of those who retain (i.e., hire) lawyers to perform legal services.</p>
<p>The role of the lawyer varies significantly across legal jurisdictions, and so it can be treated here in only the most general terms.[2][3] More information is available in country-specific articles (see below).[clarification needed]<br />
Contents<br />
[hide]</p>
<p>    * 1 Terminology<br />
    * 2 Responsibilities<br />
          o 2.1 Oral argument in the courts<br />
          o 2.2 Research and drafting of court papers<br />
          o 2.3 Advocacy (written and oral) in administrative hearings<br />
          o 2.4 Client intake and counseling (with regard to pending litigation)<br />
          o 2.5 Legal advice<br />
          o 2.6 Protecting intellectual property<br />
          o 2.7 Negotiating and drafting contracts<br />
          o 2.8 Conveyancing<br />
          o 2.9 Carrying out the intent of the deceased<br />
          o 2.10 Prosecution and defense of criminal suspects<br />
    * 3 Education<br />
          o 3.1 Earning the right to practice law<br />
    * 4 Career structure<br />
          o 4.1 Common law/civil law<br />
          o 4.2 Specialization<br />
          o 4.3 Organization<br />
    * 5 Professional associations and regulation<br />
          o 5.1 Mandatory licensing and membership in professional organizations<br />
          o 5.2 Who regulates lawyers<br />
          o 5.3 Voluntary associations of lawyers<br />
    * 6 Cultural perception of lawyers<br />
    * 7 Compensation<br />
    * 8 History<br />
          o 8.1 Ancient Greece<br />
          o 8.2 Early Ancient Rome<br />
          o 8.3 Late Ancient Rome<br />
          o 8.4 Middle Ages<br />
    * 9 Titles<br />
    * 10 See also<br />
    * 11 Notes<br />
    * 12 External links</p>
<p>[edit] Terminology</p>
<p>In practice, legal jurisdictions exercise their right to determine who is recognized as being a lawyer; as a result, the meaning of the term &#8220;lawyer&#8221; may vary from place to place.[4]</p>
<p>    * In Australia the word &#8220;lawyer&#8221; is used to refer to both barristers and solicitors (whether in private practice or practising as corporate in-house counsel).<br />
    * In Canada, the word &#8220;lawyer&#8221; only refers to individuals who have been called to the bar or have qualified as civil law notaries in the province of Quebec. Common law lawyers in Canada may also be known as &#8220;barristers and solicitors&#8221;, but should not be referred to as &#8220;attorneys&#8221;, since that term has a different meaning in Canadian usage. However, in Quebec, civil law advocates (or avocats in French) often call themselves &#8220;attorney&#8221; and sometimes &#8220;barrister and solicitor&#8221;.<br />
    * In England and Wales, &#8220;lawyer&#8221; is used loosely to refer to a broad variety of law-trained persons. It includes practitioners such as barristers, solicitors, legal executives and licensed conveyancers, ; and people who are involved with the law but do not practise it on behalf of individual clients, such as judges, court clerks, and drafters of legislation.<br />
    * In India, the term &#8220;lawyer&#8221; is often colloquially used, but the official term is &#8220;advocate&#8221; as prescribed under the Advocates Act, 1961.[5]<br />
    * In Scotland, the word &#8220;lawyer&#8221; refers to a more specific group of legally trained people. It specifically includes advocates and solicitors. In a generic sense, it may also include judges and law-trained support staff.<br />
    * In the United States, the term generally refers to attorneys who may practice law; it is never used to refer to patent agents[6] or paralegals.[7]<br />
    * Other nations tend to have comparable terms for the analogous concept.</p>
<p>[edit] Responsibilities</p>
<p>In most countries, particularly civil law countries, there has been a tradition of giving many legal tasks to a variety of civil law notaries, clerks, and scriveners.[8][9] These countries do not have &#8220;lawyers&#8221; in the American sense, insofar as that term refers to a single type of general-purpose legal services provider;[10] rather, their legal professions consist of a large number of different kinds of law-trained persons, known as jurists, of which only some are advocates who are licensed to practice in the courts.[11][12][13] It is difficult to formulate accurate generalizations that cover all the countries with multiple legal professions, because each country has traditionally had its own peculiar method of dividing up legal work among all its different types of legal professionals.[14]</p>
<p>Notably, England, the mother of the common law jurisdictions, emerged from the Dark Ages with similar complexity in its legal professions, but then evolved by the 19th century to a single dichotomy between barristers and solicitors. An equivalent dichotomy developed between advocates and procurators in some civil law countries, though these two types did not always monopolize the practice of law as much as barristers and solicitors, in that they always coexisted with civil law notaries.[15][16][17]</p>
<p>Several countries that originally had two or more legal professions have since fused or united their professions into a single type of lawyer.[18][19][20][21] Most countries in this category are common law countries, though France, a civil law country, merged together its jurists in 1990 and 1991 in response to Anglo-American competition.[22] In countries with fused professions, a lawyer is usually permitted to carry out all or nearly all the responsibilities listed below.<br />
[edit] Oral argument in the courts</p>
<p>Arguing a client&#8217;s case before a judge or jury in a court of law is the traditional province of the barrister in England, and of advocates in some civil law jurisdictions.[23] However, the boundary between barristers and solicitors has evolved. In England today, the barrister monopoly covers only appellate courts, and barristers must compete directly with solicitors in many trial courts.[24] In countries like the United States that have fused legal professions, there are trial lawyers who specialize in trying cases in court, but trial lawyers do not have a de jure monopoly like barristers. In some countries, litigants have the option of arguing pro se, or on their own behalf. It is common for litigants to appear unrepresented before certain courts like small claims courts; indeed, many such courts do not allow lawyers to speak for their clients, in an effort to save money for all participants in a small case.[25] In other countries, like Venezuela, no one may appear before a judge unless represented by a lawyer.[26] The advantage of the latter regime is that lawyers are familiar with the court&#8217;s customs and procedures, and make the legal system more efficient for all involved. Unrepresented parties often damage their own credibility or slow the court down as a result of their inexperience.[27][28]<br />
[edit] Research and drafting of court papers</p>
<p>Often, lawyers brief a court in writing on the issues in a case before the issues can be orally argued. They may have to perform extensive research into relevant facts and law while drafting legal papers and preparing for oral argument.</p>
<p>In England, the usual division of labour is that a solicitor will obtain the facts of the case from the client and then brief a barrister (usually in writing).[29] The barrister then researches and drafts the necessary court pleadings (which will be filed and served by the solicitor) and orally argues the case.[30]</p>
<p>In Spain, the procurator merely signs and presents the papers to the court, but it is the advocate who drafts the papers and argues the case.[31]</p>
<p>In some countries, like Japan, a scrivener or clerk may fill out court forms and draft simple papers for lay persons who cannot afford or do not need attorneys, and advise them on how to manage and argue their own cases.[32]<br />
[edit] Advocacy (written and oral) in administrative hearings</p>
<p>In most developed countries, the legislature has granted original jurisdiction over highly technical matters to executive branch administrative agencies which oversee such things. As a result, some lawyers have become specialists in administrative law. In a few countries, there is a special category of jurists with a monopoly over this form of advocacy; for example, France formerly had conseils juridiques (who were merged into the main legal profession in 1991).[33] In other countries, like the United States, lawyers have been effectively barred by statute from certain types of administrative hearings in order to preserve their informality.[34]<br />
[edit] Client intake and counseling (with regard to pending litigation)</p>
<p>An important aspect of a lawyer&#8217;s job is developing and managing relationships with clients (or the client&#8217;s employees, if the lawyer works in-house for a government or corporation). The client-lawyer relationship often begins with an intake interview where the lawyer gets to know the client personally, discovers the facts of the client&#8217;s case, clarifies what the client wants to accomplish, shapes the client&#8217;s expectations as to what actually can be accomplished, begins to develop various claims or defenses, and explains his or her fees to the client.[35][36]</p>
<p>In England, only solicitors were traditionally in direct contact with the client.[37] The solicitor retained a barrister if one was necessary and acted as an intermediary between the barrister and the client.[38] In most cases a barrister would be obliged, under what is known as the &#8220;cab rank rule&#8221;, to accept instructions for a case in an area in which they held themselves out as practising, at a court at which they normally appeared and at their usual rates.[39][40]<br />
[edit] Legal advice<br />
Main article: Legal advice</p>
<p>Legal advice is the application of abstract principles of law to the concrete facts of the client&#8217;s case in order to advise the client about what they should do next. In many countries, only a properly licensed lawyer may provide legal advice to clients for good consideration, even if no lawsuit is contemplated or is in progress.[41][42][43] Therefore, even conveyancers and corporate in-house counsel must first get a license to practice, though they may actually spend very little of their careers in court. Failure to obey such a rule is the crime of unauthorized practice of law.[44]</p>
<p>In other countries, jurists who hold law degrees are allowed to provide legal advice to individuals or to corporations, and it is irrelevant if they lack a license and cannot appear in court.[45][46] Some countries go further; in England and Wales, there is no general prohibition on the giving of legal advice.[47] Sometimes civil law notaries are allowed to give legal advice, as in Belgium.[48] In many countries, non-jurist accountants may provide what is technically legal advice in tax and accounting matters.[49]<br />
[edit] Protecting intellectual property</p>
<p>In virtually all countries, patents, trademarks, industrial designs and other forms of intellectual property must be formally registered with a government agency in order to receive maximum protection under the law. The division of such work among lawyers, licensed non-lawyer jurists/agents, and ordinary clerks or scriveners varies greatly from one country to the next.[32][50]<br />
[edit] Negotiating and drafting contracts</p>
<p>In some countries, the negotiating and drafting of contracts is considered to be similar to the provision of legal advice, so that it is subject to the licensing requirement explained above.[51] In others, jurists or notaries may negotiate or draft contracts.[52]</p>
<p>Lawyers in some civil law countries traditionally deprecated &#8220;transactional law&#8221; or &#8220;business law&#8221; as beneath them. French law firms developed transactional departments only in the 1990s when they started to lose business to international firms based in the United States and the United Kingdom (where solicitors have always done transactional work).[53]<br />
[edit] Conveyancing</p>
<p>Conveyancing is the drafting of the documents necessary for the transfer of real property, such as deeds and mortgages. In some jurisdictions, all real estate transactions must be carried out by a lawyer (or a solicitor where that distinction still exists).[54] Such a monopoly is quite valuable from the lawyer&#8217;s point of view; historically, conveyancing accounted for about half of English solicitors&#8217; income (though this has since changed),[55] and a 1978 study showed that conveyancing &#8220;accounts for as much as 80 percent of solicitor-client contact in New South Wales.&#8221;[56] In most common law jurisdictions outside of the United States, this monopoly arose from an 1804 law[57] that was introduced by William Pitt the Younger as a quid pro quo for the raising of fees on the certification of legal professionals such as barristers, solicitors, attorneys and notaries.[58]</p>
<p>In others, the use of a lawyer is optional and banks, title companies, or realtors may be used instead.[59] In some civil law jurisdictions, real estate transactions are handled by civil law notaries.[60] In England and Wales a special class of legal professional–the licensed conveyancer–is also allowed to carry out conveyancing services for reward.[61]<br />
[edit] Carrying out the intent of the deceased</p>
<p>In many countries, only lawyers have the legal authority to draft wills, trusts, and any other documents that ensure the efficient disposition of a person&#8217;s property after death. In some civil law countries this responsibility is handled by civil law notaries.[52]</p>
<p>In the United States, the estates of the deceased must generally be administered by a court through probate. American lawyers have a profitable monopoly on dispensing advice about probate law (which has been heavily criticized).[62]<br />
[edit] Prosecution and defense of criminal suspects</p>
<p>In many civil law countries, prosecutors are trained and employed as part of the judiciary; they are law-trained jurists, but may not necessarily be lawyers in the sense that the word is used in the common law world.[63] In common law countries, prosecutors are usually lawyers holding regular licenses who simply happen to work for the government office that files criminal charges against suspects. Criminal defense lawyers specialize in the defense of those charged with any crimes.[64]<br />
[edit] Education<br />
Main article: Legal education</p>
<p>The educational prerequisites to becoming a lawyer vary greatly from country to country. In some countries, law is taught by a faculty of law, which is a department of a university&#8217;s general undergraduate college.[65] Law students in those countries pursue a Master or Bachelor of Laws degree. In some countries it is common or even required for students to earn another bachelor&#8217;s degree at the same time. Nor is the LL.B the sole obstacle; it is often followed by a series of advanced examinations, apprenticeships, and additional coursework at special government institutes.[66]</p>
<p>In other countries, particularly the United States, law is primarily taught at law schools. In the United States[67] and countries following the American model, (such as Canada[68] with the exception of the province of Quebec) law schools are graduate/professional schools where a bachelor&#8217;s degree is a prerequisite for admission. Most law schools are part of universities but a few are independent institutions. Law schools in the United States (and many in Canada and elsewhere) award graduating students a J.D. (Juris Doctor/Doctor of Jurisprudence) (as opposed to the Bachelor of Laws) as the practitioner&#8217;s law degree. Many schools also offer post-doctoral law degrees such as the LL.M (Legum Magister/Master of Laws), or the S.J.D. (Scientiae Juridicae Doctor/Doctor of Juridical Science) for students interested in advancing their research knowledge and credentials in a specific area of law.[69]</p>
<p>The methods and quality of legal education vary widely. Some countries require extensive clinical training in the form of apprenticeships or special clinical courses.[70] Others, like Venezuela, do not.[71] A few countries prefer to teach through assigned readings of judicial opinions (the casebook method) followed by intense in-class cross-examination by the professor (the Socratic method).[72][73] Many others have only lectures on highly abstract legal doctrines, which forces young lawyers to figure out how to actually think and write like a lawyer at their first apprenticeship (or job).[74][75][76] Depending upon the country, a typical class size could range from five students in a seminar to five hundred in a giant lecture room. In the United States, law schools maintain small class sizes, and as such, grant admissions on a more limited and competitive basis.[77]</p>
<p>Some countries, particularly industrialized ones, have a traditional preference for full-time law programs,[78] while in developing countries, students often work full- or part-time to pay the tuition and fees of their part-time law programs.[79][80]</p>
<p>Law schools in developing countries share several common problems, such as an overreliance on practicing judges and lawyers who treat teaching as a part-time hobby (and a concomitant scarcity of full-time law professors);[81][82] incompetent faculty with questionable credentials;[83] and textbooks that lag behind the current state of the law by two or three decades.[81][84]<br />
[edit] Earning the right to practice law<br />
Main article: Admission to practice law</p>
<p>Some jurisdictions grant a &#8220;diploma privilege&#8221; to certain institutions, so that merely earning a degree or credential from those institutions is the primary qualification for practicing law.[85] Mexico allows anyone with a law degree to practice law.[86] However, in a large number of countries, a law student must pass a bar examination (or a series of such examinations) before receiving a license to practice.[85][87][88] In a handful of U.S. states, one may become an attorney (a so-called country lawyer) by simply &#8220;reading law&#8221; and passing the bar examination, without having to attend law school first (although very few people actually become lawyers that way).[89] In other states, the bar examination can be very challenging, such as in California where only 42.3% of applicants passed the examination administered in February 2011. [90]</p>
<p>Some countries require a formal apprenticeship with an experienced practitioner, while others do not.[91] For example, a few jurisdictions still allow an apprenticeship in place of any kind of formal legal education (though the number of persons who actually become lawyers that way is increasingly rare).[92]<br />
[edit] Career structure<br />
U.S. President Abraham Lincoln is a famous example of a lawyer-turned-politician.</p>
<p>The career structure of lawyers varies widely from one country to the next.<br />
[edit] Common law/civil law</p>
<p>In most common law countries, especially those with fused professions, lawyers have many options over the course of their careers. Besides private practice, they can become a prosecutor, government counsel, corporate in-house counsel, administrative law judge, judge, arbitrator, law professor, or politician.[93] There are also many non-legal jobs which legal training is good preparation for, such as corporate executive, government administrator, investment banker, entrepreneur, or journalist.[94] In developing countries like India, a large majority of law students never actually practice, but simply use their law degree as a foundation for careers in other fields.[95]</p>
<p>In most civil law countries, lawyers generally structure their legal education around their chosen specialty; the boundaries between different types of lawyers are carefully defined and hard to cross.[96] After one earns a law degree, career mobility may be severely constrained.[97] For example, unlike their American counterparts,[98] it is difficult for German judges to leave the bench and become advocates in private practice.[99] Another interesting example is France, where for much of the 20th century, all judiciary officials were graduates of an elite professional school for judges. Although the French judiciary has begun experimenting with the Anglo-American model of appointing judges from accomplished advocates, the few advocates who have actually joined the bench this way are looked down upon by their colleagues who have taken the traditional route to judicial office.[100]</p>
<p>In a few civil law countries, such as Sweden,[101] the legal profession is not rigorously bifurcated and everyone within it can easily change roles and arenas.<br />
[edit] Specialization</p>
<p>In many countries, lawyers are general practitioners who will take almost any kind of case that walks in the door.[102] In others, there has been a tendency since the start of the 20th century for lawyers to specialize early in their careers.[103][104] In countries where specialization is prevalent, many lawyers specialize in representing one side in one particular area of the law; thus, it is common in the United States to hear of plaintiffs&#8217; personal injury attorneys.[105]<br />
[edit] Organization<br />
Main article: Law firm</p>
<p>Lawyers in private practice generally work in specialized businesses known as law firms,[106] with the exception of English barristers. The vast majority of law firms worldwide are small businesses that range in size from 1 to 10 lawyers.[107] The United States, with its large number of firms with more than 50 lawyers, is an exception.[108] The United Kingdom and Australia are also exceptions, as the UK, Australia and the U.S. are now home to several firms with more than 1,000 lawyers after a wave of mergers in the late 1990s.</p>
<p>Notably, barristers in England and Wales and some states in Australia do not work in &#8220;law firms&#8221;. Those who offer their services to the general public—as opposed to those working &#8220;in house&#8221;—are required to be self-employed.[109] Most work in groupings known as &#8220;sets&#8221; or &#8220;chambers&#8221;, where some administrative and marketing costs are shared. An important effect of this different organizational structure is that there is no conflict of interest where barristers in the same chambers work for opposing sides in a case, and in some specialised chambers this is commonplace.<br />
[edit] Professional associations and regulation<br />
[edit] Mandatory licensing and membership in professional organizations</p>
<p>In some jurisdictions, either the judiciary[110] or the Ministry of Justice[111] directly supervises the admission, licensing, and regulation of lawyers.</p>
<p>Other jurisdictions, by statute, tradition, or court order, have granted such powers to a professional association which all lawyers must belong to.[112] In the U.S., such associations are known as mandatory, integrated, or unified bar associations. In the Commonwealth of Nations, similar organizations are known as Inns of Court, bar councils or law societies.[113] In civil law countries, comparable organizations are known as Orders of Advocates,[114] Chambers of Advocates,[115] Colleges of Advocates,[116] Faculties of Advocates,[117] or similar names. Generally, a nonmember caught practicing law may be liable for the crime of unauthorized practice of law.[118]</p>
<p>In common law countries with divided legal professions, barristers traditionally belong to the bar council (or an Inn of Court) and solicitors belong to the law society. In the English-speaking world, the largest mandatory professional association of lawyers is the State Bar of California, with 200,000 members.</p>
<p>Some countries admit and regulate lawyers at the national level, so that a lawyer, once licensed, can argue cases in any court in the land. This is common in small countries like New Zealand, Japan, and Belgium.[119] Others, especially those with federal governments, tend to regulate lawyers at the state or provincial level; this is the case in the United States,[120] Canada,[121] Australia,[122] and Switzerland,[123] to name a few. Brazil is the most well-known federal government that regulates lawyers at the national level.[124]</p>
<p>Some countries, like Italy, regulate lawyers at the regional level,[125] and a few, like Belgium, even regulate them at the local level (that is, they are licensed and regulated by the local equivalent of bar associations but can advocate in courts nationwide).[126] In Germany, lawyers are admitted to regional bars and may appear for clients before all courts nationwide with the exception of the Federal Court of Justice of Germany (Bundesgerichtshof or BGH); oddly, securing admission to the BGH&#8217;s bar limits a lawyer&#8217;s practice solely to the supreme federal courts and the Federal Constitutional Court of Germany.[127]</p>
<p>Generally, geographic limitations can be troublesome for a lawyer who discovers that his client&#8217;s cause requires him to litigate in a court beyond the normal geographic scope of his license. Although most courts have special pro hac vice rules for such occasions, the lawyer will still have to deal with a different set of professional responsibility rules, as well as the possibility of other differences in substantive and procedural law.</p>
<p>Some countries grant licenses to non-resident lawyers, who may then appear regularly on behalf of foreign clients. Others require all lawyers to live in the jurisdiction or to even hold national citizenship as a prerequisite for receiving a license to practice. But the trend in industrialized countries since the 1970s has been to abolish citizenship and residency restrictions. For example, the Supreme Court of Canada struck down a citizenship requirement on equality rights grounds in 1989,[128] and similarly, American citizenship and residency requirements were struck down as unconstitutional by the U.S. Supreme Court in 1973 and 1985, respectively.[129] The European Court of Justice made similar decisions in 1974 and 1977 striking down citizenship restrictions in Belgium and France.[130]<br />
[edit] Who regulates lawyers</p>
<p>A key difference among countries is whether lawyers should be regulated solely by an independent judiciary and its subordinate institutions (a self-regulating legal profession),[131] or whether lawyers should be subject to supervision by the Ministry of Justice in the executive branch.</p>
<p>In most civil law countries, the government has traditionally exercised tight control over the legal profession in order to ensure a steady supply of loyal judges and bureaucrats. That is, lawyers were expected first and foremost to serve the state, and the availability of counsel for private litigants was an afterthought.[132] Even in civil law countries like Norway which have partially self-regulating professions, the Ministry of Justice is the sole issuer of licenses, and makes its own independent re-evaluation of a lawyer&#8217;s fitness to practice after a lawyer has been expelled from the Advocates&#8217; Association.[111] Brazil is an unusual exception in that its national Order of Advocates has become a fully self-regulating institution (with direct control over licensing) and has successfully resisted government attempts to place it under the control of the Ministry of Labor.[133][134]</p>
<p>Of all the civil law countries, Communist countries historically went the farthest towards total state control, with all Communist lawyers forced to practice in collectives by the mid-1950s.[135][136] China is a prime example: technically, the People&#8217;s Republic of China did not have lawyers, and instead had only poorly-trained, state-employed &#8220;legal workers,&#8221; prior to the enactment of a comprehensive reform package in 1996 by the Standing Committee of the National People&#8217;s Congress.[137]</p>
<p>In contrast, common law lawyers have traditionally regulated themselves through institutions where the influence of non-lawyers, if any, was weak and indirect (despite nominal state control).[138] Such institutions have been traditionally dominated by private practitioners who opposed strong state control of the profession on the grounds that it would endanger the ability of lawyers to zealously and competently advocate their clients&#8217; causes in the adversarial system of justice.[139]</p>
<p>However, the concept of the self-regulating profession has been criticized as a sham which serves to legitimize the professional monopoly while protecting the profession from public scrutiny.[140] Disciplinary mechanisms have been astonishingly ineffective, and penalties have been light or nonexistent.[141][142][143]<br />
[edit] Voluntary associations of lawyers</p>
<p>Lawyers are always free to form voluntary associations of their own, apart from any licensing or mandatory membership that may be required by the laws of their jurisdiction. Like their mandatory counterparts, such organizations may exist at all geographic levels.[86][144] In American English, such associations are known as voluntary bar associations.[145] The largest voluntary professional association of lawyers in the English-speaking world is the American Bar Association.</p>
<p>In some countries, like France and Italy, lawyers have also formed trade unions.[146]<br />
[edit] Cultural perception of lawyers</p>
<p>Hostility towards the legal profession is a widespread phenomenon. The legal profession was abolished in Prussia in 1780 and in France in 1789, though both countries eventually realized that their judicial systems could not function efficiently without lawyers.[147] Complaints about too many lawyers were common in both England and the United States in the 1840s,[148][149] Germany in the 1910s,[150] and in Australia,[151] Canada,[152] the United States,[153][154][155] and Scotland[156] in the 1980s.</p>
<p>Public distrust of lawyers reached record heights in the United States after the Watergate scandal.[155][157] In the aftermath of Watergate, legal self-help books became popular among those who wished to solve their legal problems without having to deal with lawyers.[158] Lawyer jokes (already a perennial favorite) also soared in popularity in English-speaking North America as a result of Watergate.[159] In 1989, American legal self-help publisher Nolo Press published a 171-page compilation of negative anecdotes about lawyers from throughout human history.[160]</p>
<p>In Adventures in Law and Justice (2003), legal researcher Bryan Horrigan dedicated a chapter to &#8220;Myths, Fictions, and Realities&#8221; about law and illustrated the perennial criticism of lawyers as &#8220;amoral [...] guns for hire&#8221;[161] with a quote from Ambrose Bierce&#8217;s satirical The Devil&#8217;s Dictionary (1911) that summarized the noun as: &#8220;LAWYER, n. One skilled in circumvention of the law.&#8221;[162]</p>
<p>More generally, in Legal Ethics: A Comparative Study (2004), law professor Geoffrey C. Hazard, Jr. with Angelo Dondi briefly examined the &#8220;regulations attempting to suppress lawyer misconduct&#8221; and noted that their similarity around the world was paralleled by a &#8220;remarkable consistency&#8221; in certain &#8220;persistant [sic?] grievances&#8221; about lawyers that transcends both time and locale, from the Bible to medieval England to dynastic China.[163] The authors then generalized these common complaints about lawyers as being classified into five &#8220;general categories&#8221; as follows:<br />
“ 	</p>
<p>    * abuse of litigation in various ways, including using dilatory tactics and false evidence and making frivolous arguments to the courts;<br />
    * preparation of false documentation, such as false deeds, contracts, or wills;<br />
    * deceiving clients and other persons and misappropriating property;<br />
    * procrastination in dealings with clients; and<br />
    * charging excessive fees.[164]</p>
<p>	”<br />
[edit] Compensation<br />
Main article: Attorney&#8217;s fee</p>
<p>Lawyers are paid for their work in a variety of ways. In private practice, they may work for an hourly fee according to a billable hour structure,[165] a contingency fee[166] (usually in cases involving personal injury), or a lump sum payment if the matter is straightforward. Normally, most lawyers negotiate a written fee agreement up front and may require a non-refundable retainer in advance. In many countries there are fee-shifting arrangements by which the loser must pay the winner&#8217;s fees and costs; the United States is the major exception,[167] although in turn, its legislators have carved out many exceptions to the so-called &#8220;American Rule&#8221; of no fee shifting.</p>
<p>Lawyers working directly on the payroll of governments, nonprofits, and corporations usually earn a regular annual salary.[168] In many countries, with the notable exception of Germany,[169] lawyers can also volunteer their labor in the service of worthy causes through an arrangement called pro bono (short for pro bono publico, &#8220;for the common good&#8221;).[170] Traditionally such work was performed on behalf of the poor, but in some countries it has now expanded to many other causes such as the environment.</p>
<p>In some countries, there are legal aid lawyers who specialize in providing legal services to the indigent.[171][172] France and Spain even have formal fee structures by which lawyers are compensated by the government for legal aid cases on a per-case basis.[173] A similar system, though not as extensive or generous, operates in Australia, Canada, as well as South Africa.[citation needed]</p>
<p>In other countries, legal aid specialists are practically nonexistent. This may be because non-lawyers are allowed to provide such services; in both Italy and Belgium, trade unions and political parties provide what can be characterized as legal aid services.[174] Some legal aid in Belgium is also provided by young lawyer apprentices subsidized by local bar associations (known as the pro deo system), as well as consumer protection nonprofit organizations and Public Assistance Agencies subsidized by local governments.[175] In Germany, mandatory fee structures have enabled widespread implementation of affordable legal expense insurance.[176]<br />
[edit] History<br />
Main article: History of the legal profession<br />
16th century painting of a civil law notary, by Flemish painter Quentin Massys. A civil law notary is roughly analogous to a common law solicitor, except that, unlike solicitors, civil law notaries do not practice litigation to any degree.<br />
[edit] Ancient Greece</p>
<p>The earliest people who could be described as &#8220;lawyers&#8221; were probably the orators of ancient Athens (see History of Athens). However, Athenian orators faced serious structural obstacles. First, there was a rule that individuals were supposed to plead their own cases, which was soon bypassed by the increasing tendency of individuals to ask a &#8220;friend&#8221; for assistance.[177] However, around the middle of the fourth century, the Athenians disposed of the perfunctory request for a friend.[178] Second, a more serious obstacle, which the Athenian orators never completely overcame, was the rule that no one could take a fee to plead the cause of another. This law was widely disregarded in practice, but was never abolished, which meant that orators could never present themselves as legal professionals or experts.[179] They had to uphold the legal fiction that they were merely an ordinary citizen generously helping out a friend for free, and thus they could never organize into a real profession—with professional associations and titles and all the other pomp and circumstance—like their modern counterparts.[180] Therefore, if one narrows the definition to those men who could practice the legal profession openly and legally, then the first lawyers would have to be the orators of ancient Rome.[181]<br />
[edit] Early Ancient Rome</p>
<p>A law enacted in 204 BC barred Roman advocates from taking fees, but the law was widely ignored.[182] The ban on fees was abolished by Emperor Claudius, who legalized advocacy as a profession and allowed the Roman advocates to become the first lawyers who could practice openly—but he also imposed a fee ceiling of 10,000 sesterces.[183] This was apparently not much money; the Satires of Juvenal complain that there was no money in working as an advocate.[184]</p>
<p>Like their Greek contemporaries, early Roman advocates were trained in rhetoric, not law, and the judges before whom they argued were also not law-trained.[185] But very early on, unlike Athens, Rome developed a class of specialists who were learned in the law, known as jurisconsults (iuris consulti).[186] Jurisconsults were wealthy amateurs who dabbled in law as an intellectual hobby; they did not make their primary living from it.[186] They gave legal opinions (responsa) on legal issues to all comers (a practice known as publice respondere).[187] Roman judges and governors would routinely consult with an advisory panel of jurisconsults before rendering a decision, and advocates and ordinary people also went to jurisconsults for legal opinions.[186] Thus, the Romans were the first to have a class of people who spent their days thinking about legal problems, and this is why their law became so &#8220;precise, detailed, and technical.&#8221;[186]<br />
[edit] Late Ancient Rome</p>
<p>During the Roman Republic and the early Roman Empire, jurisconsults and advocates were unregulated, since the former were amateurs and the latter were technically illegal.[188] Any citizen could call himself an advocate or a legal expert, though whether people believed him would depend upon his personal reputation. This changed once Claudius legalized the legal profession. By the start of the Byzantine Empire, the legal profession had become well-established, heavily regulated, and highly stratified.[189] The centralization and bureaucratization of the profession was apparently gradual at first, but accelerated during the reign of Emperor Hadrian.[190] At the same time, the jurisconsults went into decline during the imperial period.[191]</p>
<p>In the words of Fritz Schulz, &#8220;by the fourth century things had changed in the eastern Empire: advocates now were really lawyers.&#8221;[192] For example, by the fourth century, advocates had to be enrolled on the bar of a court to argue before it, they could only be attached to one court at a time, and there were restrictions (which came and went depending upon who was emperor) on how many advocates could be enrolled at a particular court.[193] By the 380s, advocates were studying law in addition to rhetoric (thus reducing the need for a separate class of jurisconsults); in 460, Emperor Leo imposed a requirement that new advocates seeking admission had to produce testimonials from their teachers; and by the sixth century, a regular course of legal study lasting about four years was required for admission.[194] Claudius&#8217;s fee ceiling lasted all the way into the Byzantine period, though by then it was measured at 100 solidi.[195] Of course, it was widely evaded, either through demands for maintenance and expenses or a sub rosa barter transaction.[195] The latter was cause for disbarment.[195]</p>
<p>The notaries (tabelliones) appeared in the late Roman Empire. Like their modern-day descendants, the civil law notaries, they were responsible for drafting wills, conveyances, and contracts.[196] They were ubiquitous and most villages had one.[196] In Roman times, notaries were widely considered to be inferior to advocates and jurisconsults.[196] Roman notaries were not law-trained; they were barely literate hacks who wrapped the simplest transactions in mountains of legal jargon, since they were paid by the line.[197]<br />
[edit] Middle Ages</p>
<p>After the fall of the Western Roman Empire and the onset of the Early Middle Ages, the legal profession of Western Europe collapsed. As James Brundage has explained: &#8220;[by 1140], no one in Western Europe could properly be described as a professional lawyer or a professional canonist in anything like the modern sense of the term &#8216;professional.&#8217; &#8220;[198] However, from 1150 onward, a small but increasing number of men became experts in canon law but only in furtherance of other occupational goals, such as serving the Roman Catholic Church as priests.[199] From 1190 to 1230, however, there was a crucial shift in which some men began to practice canon law as a lifelong profession in itself.[200]</p>
<p>The legal profession&#8217;s return was marked by the renewed efforts of church and state to regulate it. In 1231 two French councils mandated that lawyers had to swear an oath of admission before practicing before the bishop&#8217;s courts in their regions, and a similar oath was promulgated by the papal legate in London in 1237.[201] During the same decade, Frederick II, the emperor of the Kingdom of Sicily, imposed a similar oath in his civil courts.[202] By 1250 the nucleus of a new legal profession had clearly formed.[203] The new trend towards professionalization culminated in a controversial proposal at the Second Council of Lyon in 1275 that all ecclesiastical courts should require an oath of admission.[204] Although not adopted by the council, it was highly influential in many such courts throughout Europe.[204] The civil courts in England also joined the trend towards professionalization; in 1275 a statute was enacted that prescribed punishment for professional lawyers guilty of deceit, and in 1280 the mayor&#8217;s court of the city of London promulgated regulations concerning admission procedures, including the administering of an oath.[205]<br />
[edit] Titles</p>
<p>Generally speaking, the modern practice is for lawyers to avoid use of any title, although formal practice varies across the world.</p>
<p>Historically lawyers in most European countries were addressed with the title of doctor, and countries outside of Europe have generally followed the practice of the European country which had policy influence through colonization. The first university degrees, starting with the law school of the University of Bologna (or glossators) in the 11th century, were all law degrees and doctorates.[206] Degrees in other fields did not start until the 13th century, but the doctor continued to be the only degree offered at many of the old universities until the 20th century. Therefore, in many of the southern European countries, including Portugal and Italy, lawyers have traditionally been addressed as “doctor,” a practice which was transferred to many countries in South America and Macau. The term &#8220;doctor&#8221; has since fallen into disuse, although it is still a legal title in Italy and in use in many countries outside of Europe.[207]</p>
<p>The title of doctor has never been used to address lawyers in England or other common law countries (with the exception of the United States). This is because until 1846 lawyers in England were not required to have a university degree and were trained by other attorneys by apprenticeship or in the Inns of Court.[208] Since law degrees started to become a requirement for lawyers in England, the degree awarded has been the undergraduate LL.B. In South Africa holders of a law degree who have completed a year of pupillage and have been admitted to the bar may use the title &#8220;Advocate&#8221;, abbreviated to &#8220;Adv&#8221; in written correspondence.</p>
<p>Even though most lawyers in the United States do not use any titles, the law degree in that country is the Juris Doctor, a professional doctorate degree,[209] and some J.D. holders in the United States use the title of &#8220;Doctor&#8221; in professional[210] and academic situations.</p>
<p>In countries where holders of the first law degree traditionally use the title of doctor (e.g. Peru, Brazil, Macau, Portugal, Argentina, and Italy), J.D. holders who are attorneys will often use the title of doctor as well.[211] It is common for English-language male lawyers to use the honorific suffix &#8220;Esq.&#8221; (for &#8220;Esquire&#8221;). In the United States the style is also used by female lawyers.</p>
<p>In many Asian countries, the proper title for a lawyer is simply, &#8220;lawyer&#8221;, but holders of the Juris Doctor degree are also called &#8220;博士&#8221; (doctor).[212]</p>
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		<title>Pennsylvania mesothelioma lawyers</title>
		<link>http://themediacritics.com/2011/08/16/pennsylvania-mesothelioma-lawyers/</link>
		<comments>http://themediacritics.com/2011/08/16/pennsylvania-mesothelioma-lawyers/#comments</comments>
		<pubDate>Tue, 16 Aug 2011 15:34:00 +0000</pubDate>
		<dc:creator>Nick</dc:creator>
		
		<category><![CDATA[Videos]]></category>

		<guid isPermaLink="false">http://themediacritics.com/?p=1792</guid>
		<description><![CDATA[    * Mesothelioma Resources for Pennsylvania
Pennsylvania Mesothelioma Attorneys and Asbestos Cancer Resources (PA)
Pennsylvania Mesothelioma Lawyers and Law Firms
Pennsylvania is ranked 3rd in the U.S. for deaths from malignant mesothelioma. Mesothelioma is a rare, deadly form of cancer caused by asbestos exposure.
Mounting a mesothelioma lawsuit is a complicated process. For that reason, victims [...]]]></description>
			<content:encoded><![CDATA[<p>    * Mesothelioma Resources for Pennsylvania</p>
<p>Pennsylvania Mesothelioma Attorneys and Asbestos Cancer Resources (PA)<br />
Pennsylvania Mesothelioma Lawyers and Law Firms</p>
<p>Pennsylvania is ranked 3rd in the U.S. for deaths from malignant mesothelioma. Mesothelioma is a rare, deadly form of cancer caused by asbestos exposure.</p>
<p>Mounting a mesothelioma lawsuit is a complicated process. For that reason, victims of asbestos exposure may want to hire an experienced Pennsylvania mesothelioma attorney who can help them to potentially win a mesothelioma settlement. Sokolove Law’s Pennsylvania mesothelioma attorneys have helped thousands of people exposed to asbestos across the state get the help they deserve.</p>
<p>Those interested in filing a Pennsylvania mesothelioma lawsuit, or a lawsuit for any asbestos cancer or asbestos-related injury, are advised to contact a Pennsylvania mesothelioma lawyer as soon as possible after diagnosis. </p>
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		<title>endowment policy sales</title>
		<link>http://themediacritics.com/2011/08/16/endowment-policy-sales/</link>
		<comments>http://themediacritics.com/2011/08/16/endowment-policy-sales/#comments</comments>
		<pubDate>Tue, 16 Aug 2011 15:31:52 +0000</pubDate>
		<dc:creator>Nick</dc:creator>
		
		<category><![CDATA[Videos]]></category>

		<guid isPermaLink="false">http://themediacritics.com/?p=1790</guid>
		<description><![CDATA[Traded Endowment Policies TEPs
Why buy a TEP - somebody elses endowment policy How a traded endowment policy may make investment sense. The tax situation for buyers and sellers of traded endowement policies TEPs.
    * What is a traded endowment policy TEPWhy would I sell my policy rather than surrender itWhy would my [...]]]></description>
			<content:encoded><![CDATA[<p>Traded Endowment Policies TEPs</p>
<p>Why buy a TEP - somebody elses endowment policy How a traded endowment policy may make investment sense. The tax situation for buyers and sellers of traded endowement policies TEPs.</p>
<p>    * What is a traded endowment policy TEPWhy would I sell my policy rather than surrender itWhy would my endowment policy be worth more in a saleWill somebody want to buy my endowment policyDo I face a tax bill if I sell my endowment policyDoes a traded endowment policy make sense as an investmentWhats the tax situation for TEP investorsDo you want to know more about buying or selling an endowment policyTop of PagePlan a sound financial future right now with our cutting edge online financial plannerTop of PageTop of PageDo you need unbiased independent financial advice Why not give us a callTop of PageFind out more about the way youre taxed at Moneyextra.coms Tax CentreTop of PageWant to track your investments Moneyextra.coms free portfolio service has all the tools you need.Top of PageDo you need unbiased independent financial advice Why not give us a callTop of PageMoneyextra.com</p>
<p>What is a traded endowment policy TEP</p>
<p>A traded endowment policy TEP is an endowment policy that the original policyholder has sold by absolute assignment of all future benefits. &#8220;Traded endowment policy&#8221; is merely a fancy way of saying second-hand endowment policy.</p>
<p>Endowment policies are long-term and relatively inflexible by their nature. Many people have found that these policies do not suit changing financial needs or circumstances.</p>
<p>If you took out a 25-year policy but after say 15 years decide you no longer needwant the long-term savings plan or it has not performed as you expected you have a number of options</p>
<p>    * Selling to a third party in the second-hand market - the TEP market<br />
    * Making the policy paid-up<br />
    * Borrowing against the policy<br />
    * Surrendering the policy to the life assurance company you purchased it from</p>
<p>For a variety of reasons many policyholders cash in their policies early. According to the Association of Policy Market Makers only around 30 of all endowment policies actually reach maturity. A further 30 are cancelled in the first few years of their intended lifespan. The 40 that neither last the full term nor get cancelled are either sold or surrendered somewhere along the way.</p>
<p>Why would I sell my policy rather than surrender it</p>
<p>For the obvious reason! You may have decided for whatever reason that your endowment policy is no longer relevant to your financial circumstances. It follows logically that you will therefore want to get as big a return from your investment into the endowment policy as you possibly can.</p>
<p>First you should approach your life assurance company to find out how much the policy will be worth if you surrender it. This &#8220;surrender value&#8221; may or may not be more than you have actually paid in to the policy. Indeed you may be unpleasantly surprised by how low this is.</p>
<p>Endowment policies generally take approximately 5-7 years before their cash-in values match and then exceed the amounts of money invested although this performance cannot be guaranteed. You may well be familiar with the press coverage about why this is so - commissions to the sales people administration charges fund management costs etc. The key point is that long-term contracts rarely offer especially attractive short-term encashment values.</p>
<p>This is where the traded endowment policy TEP market may help. There may be a substantial difference between a quoted surrender value and a policys underlying worth if held to maturity. Through the TEP market policyholders may be able to sell unwanted policies and buyers with the initial capital to invest and the income to meet future regular premium commitments may buy them mid-term with entitlement to all the potential future benefits.</p>
<p>Why would my endowment policy be worth more in a sale</p>
<p>Surrendering a policy is unlikely to produce a return reflecting the policys full potential value if only because the terminal bonus paid on maturity while not guaranteed usually represents a large chunk of the policys return. In fact policies surrendered early may not even reflect the full value of funds invested owing to high initial charges. The reason the traded endowment policy market exists is because surrender values do not always reflect the full potential inherent worth of policies as long-term continuing contracts.</p>
<p>Analysis for the Association of British Insurers by Tillinghast-Towers Perrin in 2002 showed that the charges the reduction in yield on a mortgage endowment policy held for 25 years were equivalent to an average of 1.5 of the value of the policy. However if the policy is cashed in after three years the charges on it represent almost a third of the policys value on average.</p>
<p>The alternative option if the policy is suitable is sale through a market-maker or the auctioning of the policy through an auctioneer. In either case the policyholder is likely to realize a higher cash sum than through surrender. The Association of Policy Market Makers admits that surrender values may not always be beaten but where they are policyholders realise an average of 10-15 in excess of surrender value.</p>
<p>Will somebody want to buy my endowment policy</p>
<p>Most saleable policies must be traditional with-profits type endowments or whole of life contracts issued by major UK life assurance companies</p>
<p>    * which have already run for at least five years<br />
    * and have a surrender value of at least £1500</p>
<p>Anyone wanting to sell a policy - or at least get a quote for what might be on offer - needs to provide the following information or give written authority for the market maker to obtain these details from the life company</p>
<p>    * the name of the life company and the policy number<br />
    * the name of the life assured you<br />
    * commencement and intended maturity dates<br />
    * the &#8220;basic sum assured&#8221;<br />
    * gross regular premiums<br />
    * quoted surrender value at a recent date<br />
    * amounts of attaching annual bonuses at the same date</p>
<p>On receipt of all the relevant details an offer to purchase or a reason why the policy is not suitable will usually be made within a couple of days. Payment will normally take a few weeks to account for all the paperwork and exchange-of-ownership declarations that have to be completed between the market maker and the original insurer.</p>
<p>Policies sold or auctioned are assigned to the investors who purchase them and who then take on the responsibility for the payment of future premiums. When the policy reaches maturity or the life assured dies all the benefits are paid to the investor owning the policy.</p>
<p>Do I face a tax bill if I sell my endowment policy</p>
<p>If you are the original beneficial owner of the policy that is to say if you were the person who took it out unless you are a higher rate taxpayer there is generally no tax liability on the proceeds of the sale or auction of the policy. As you may be aware income tax will already have been paid on any dividend income generated by the policys equity investments. When you sell a policy that you originally took out and have paid premiums for at least ten years or at least three quarters of the policy if sooner you should have no income tax liability irrespective of your tax rate and nor will you be liable to Capital Gains Tax.</p>
<p>Does a traded endowment policy make sense as an investment</p>
<p>Why would anyone want to buy anyone elses unwanted endowment policy Surely they are selling the policy because it has underperformed or is in some other way unsuitable. Either or both may be true. That does not mean that a traded endowment policy TEP does not make sense as an investment to others.</p>
<p>TEPs may not sound exciting but for thinking investors they may be ideal vehicles for building capital to meet future financial needs or obligations at a fixed time in the future. They may be used to provide future lump sums tailored to specific needs. Popular uses - albeit not exclusive - include 18th or 21st birthdays school or university fees and general savings as part of a wider portfolio of investments.</p>
<p>TEPs appeal is based on the fact that they are backed by the strength and proven performance of leading UK life assurance companies with exposure to a broad range of asset classes and in theory offer steady and stable growth prospects.</p>
<p>TEPs ideally suit investors who are looking for a combination of relative safety and security together with growth potential although due to their exposure to the performance of the equity market they may not get back the full value of their investment. Such investors are often wary of investing directly in stocks and shares or other equity-linked vehicles such as unit trusts investment trusts and OIECs. In most circumstances TEP investors can rest safe in the knowledge that they cannot lose any of their initial investment provided they continue to pay the remaining due premiums and keep the policy in force until its stated maturity date.</p>
<p>This is because the basic &#8220;sum assured&#8221; and annual bonuses allocated by the time of purchase are guaranteed - i.e. &#8220;locked in&#8221; and together are likely to be worth more than the initial purchase price. In addition the expenses incurred in the early years commission and other costs have been absorbed already by the original policyholder.</p>
<p>Whats the tax situation for TEP investors</p>
<p>A traded endowment policy TEP can be regarded as an asset just like any other investment and may therefore be potentially subject to Capital Gains Tax CGT on profits made over the period it is held. However the tax situation with TEPs can be more complex than this. There are two different classes of TEP for tax purposes qualifying and non-qualifying. Non-qualifying means the policy has not been certified by the Inland Revenue to benefit from specific income tax exemption.</p>
<p>Qualifying TEP proceeds whether at maturity death of the life assured or resale of the policy are normally liable to CGT. However depending on your individual tax circumstances if a non-qualifying TEP is chosen to meet your requirements you may be liable to income tax on the proceeds instead of CGT. Furthermore if you hold a qualifying policy and sell it within 10 years or three quarters of its term it will no longer be classed as a qualifying policy and may therefore give rise to tax liability.</p>
<p>If you hold a qualifying TEP CGT is payable on any capital gain - the maturity value less purchase cost and premiums paid since purchase. Your CGT liability may be mitigated by taper relief on TEPs purchased after 5 April 1998 and by your annual CGT allowance.</p>
<p>Non-qualifying TEPs are taxed under income tax rules and are subject to top-slicing relief. The chargeable gain is calculated by deducting total premiums paid including those of the original policyholder from the maturity value. Higher rate taxpayers will then face tax on the amount of chargeable gain at the difference between higher and basic rates of taax 18 in 2007 08.</p>
<p>For basic rate taxpayers the chargeable gain is divided by the number of whole years the policy has run. This figure is the top-slice. The top-slice is then added to all other taxable income received in the same tax year. If total income including the top-slice is below the higher rate tax threshold no tax is payable. However if the addition of the top-slice takes the taxpayer above the higher rate threshold then the proportion of the slice falling over the threshold is applied to the total chargeable gain and this amount is subject to income tax at the difference between basic and higher rates.</p>
<p>Top-slicing is a complex tax process and you should discuss it with a tax adviser.</p>
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		<title>careone</title>
		<link>http://themediacritics.com/2011/08/10/careone/</link>
		<comments>http://themediacritics.com/2011/08/10/careone/#comments</comments>
		<pubDate>Wed, 10 Aug 2011 23:27:37 +0000</pubDate>
		<dc:creator>Nick</dc:creator>
		
		<category><![CDATA[Videos]]></category>

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		<description><![CDATA[The CareOneSM Difference
Discover how our solutions for debt can:
    * Help you pay significantly less
    * Help you pay off your debt faster
    * Let you make one simple payment per month
    * Help you build strong money management skills
Who qualifies for debt [...]]]></description>
			<content:encoded><![CDATA[<p>The CareOneSM Difference<br />
Discover how our solutions for debt can:</p>
<p>    * Help you pay significantly less<br />
    * Help you pay off your debt faster<br />
    * Let you make one simple payment per month<br />
    * Help you build strong money management skills</p>
<p>Who qualifies for debt consolidation?</p>
<p>You can save money and get out of debt faster if you meet these simple requirements:</p>
<p>    * $2,500 or more in unsecured debt<br />
    * Two or more accounts<br />
    * A source of income</p>
<p>The CareOneSM Service</p>
<p>Providers that offer CareOne debt relief services are industry leaders committed to offering the best debt management programs available. They have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education.</p>
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		<title>arts degree liberal online</title>
		<link>http://themediacritics.com/2011/08/10/arts-degree-liberal-online/</link>
		<comments>http://themediacritics.com/2011/08/10/arts-degree-liberal-online/#comments</comments>
		<pubDate>Wed, 10 Aug 2011 23:26:19 +0000</pubDate>
		<dc:creator>Nick</dc:creator>
		
		<category><![CDATA[Videos]]></category>

		<guid isPermaLink="false">http://themediacritics.com/?p=1786</guid>
		<description><![CDATA[Doing an academic degree online carries several inherent benefits. Among them:
    * You have the opportunity to work at a pace which best suits your own academic style, and to provide and access more considered responses to questions than you would in a live classroom setting
    * You can [...]]]></description>
			<content:encoded><![CDATA[<p>Doing an academic degree online carries several inherent benefits. Among them:</p>
<p>    * You have the opportunity to work at a pace which best suits your own academic style, and to provide and access more considered responses to questions than you would in a live classroom setting<br />
    * You can choose from educational instutions around the world, and access a greater range of degree programs and specializations<br />
    * Fexible scheduling - in most cases, you can access course materials and study at anytime of the day, allowing you to more practically integrate your studies with other elements of you life<br />
    * You can frequently access learning materials in multiple modalities, i.e. sound, visual, text, etc., allowing you to better address the needs of your own particular learning style<br />
    * Internet-based courses tend to make better use of external, primary resources, allowing you to interact with more timely and authentic learning materials</p>
<p>Choosing which degree program to take, whether online or offline, is a complex task, for which there is usually no one right answer. Here are some general guidelines:</p>
<p>    * Research, research, research! Obtain as much information about potential schools as possible. If a school offers free literature or a free course catalog, get it!<br />
    * Define your own goals as specifically as possible. Make a physical list of what you intend to achieve from a program, academically, vocationally and personally. Be precise, and elaborate in detail.<br />
    * Compare your goals with the offerings of each potential program, and determine how much these coincide. Again, make it is best to write this out physically, perhaps using a spreadsheet.<br />
    * When evaluating a program, look at such factors as the specializations of the department as a whole, specific research interests of the faculty, profile of the faculty, facilities available, the reputation of the school and anything else you can think of.<br />
    * Use email to contact current students, graduates and faculty involved with programs that interest you. Ask specific questions on matters of importance to you. You could even create a short survey, but try keep it short.</p>
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		<title>anti server software spam</title>
		<link>http://themediacritics.com/2011/08/10/anti-server-software-spam/</link>
		<comments>http://themediacritics.com/2011/08/10/anti-server-software-spam/#comments</comments>
		<pubDate>Wed, 10 Aug 2011 23:25:03 +0000</pubDate>
		<dc:creator>Nick</dc:creator>
		
		<category><![CDATA[Videos]]></category>

		<guid isPermaLink="false">http://themediacritics.com/?p=1784</guid>
		<description><![CDATA[This section contains a list of anti spam software for servers that are installed either on the mail server itself or in front of the mail server. Therefore gateway based anti-spam solutions are also included here.
Such solutions normally perform spam identification and filtering before legitimate emails are distributed to the intended recipients throughout the network [...]]]></description>
			<content:encoded><![CDATA[<p>This section contains a list of anti spam software for servers that are installed either on the mail server itself or in front of the mail server. Therefore gateway based anti-spam solutions are also included here.</p>
<p>Such solutions normally perform spam identification and filtering before legitimate emails are distributed to the intended recipients throughout the network thus reducing the impact that spam has on end-user productivity and on network resources. Because of the server-based approach, anti-spam and general email content policies are easily enforceable throughout the network, but usually at the expense of flexibility for individual users. Some solutions allow users to review mail on the server which has been flagged as spam and gives them the opportunity to notify the network administrator of any false-positives. The network administrator can then fine-tune the software for improved accuracy. Many of the solutions listed here are comprised of various modules that address issues such as email anti-virus protection, anti-trojan protection and enforcement of outbound email corporate policies, providing enhanced value for those that require an all-in-one solution. </p>
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		<title>Mesothelioma Treatment Options</title>
		<link>http://themediacritics.com/2011/07/26/mesothelioma-treatment-options-2/</link>
		<comments>http://themediacritics.com/2011/07/26/mesothelioma-treatment-options-2/#comments</comments>
		<pubDate>Tue, 26 Jul 2011 16:45:23 +0000</pubDate>
		<dc:creator>Nick</dc:creator>
		
		<category><![CDATA[Videos]]></category>

		<guid isPermaLink="false">http://themediacritics.com/?p=1782</guid>
		<description><![CDATA[Mesothelioma treatment can entail a number of therapies intended to kill cancerous cells, prevent the tumor from spreading or alleviate the symptoms of the disease. Each patient’s situation is unique and will shape their treatment plan. Factors such as the stage and form of mesothelioma, treatment history, patient’s location, ability to travel and financial situation [...]]]></description>
			<content:encoded><![CDATA[<p>Mesothelioma treatment can entail a number of therapies intended to kill cancerous cells, prevent the tumor from spreading or alleviate the symptoms of the disease. Each patient’s situation is unique and will shape their treatment plan. Factors such as the stage and form of mesothelioma, treatment history, patient’s location, ability to travel and financial situation are all important to consider when seeking treatment. </p>
<p>Types of Mesothelioma Treatment</p>
<p>If a patient’s diagnosis and health indicates that their response to curative treatment may be positive, their doctor may develop a course of treatment to remove the tumor(s) and attempt to prevent metastasis throughout the body. If the patient is dealing with a late-stage cancer, the treatment is more likely to be palliative in nature, addressing the symptoms while improving the patient’s quality of life. The following treatment options may be either palliative or curative, depending on the patient’s case:</p>
<p>Surgery</p>
<p>Surgery is one of the most common treatments for mesothelioma. Patients whose cancer was diagnosed before it spread beyond the lymph nodes may be eligible for curative surgery that removes the tumors. Depending upon the patient’s diagnosis and overall health, mesothelioma surgeries can be either curative or palliative, and may fall somewhere in between if surgery efforts are effective. Mesothelioma surgery is commonly followed by other treatments such as chemotherapy or radiation in an attempt to kill any remaining cancer cells.</p>
<p>Chemotherapy</p>
<p>Chemotherapy has shown to be the most effective and least invasive form of treatment to extend life expectancy. Depending upon the location of the cancer, some patients may be eligible for heated chemotherapy, a treatment commonly used for cases of peritoneal mesothelioma. Cisplatin, the most commonly used chemotherapy drug for mesothelioma, is frequently used in conjunction with pemetrexed to achieve the most advantageous results in reducing tumors.</p>
<p>Radiation</p>
<p>Radiation therapy directly applies radiation to the cancerous locations. This is through either sealed or unsealed source radiation. Patients of all stages are eligible to receive radiation therapy, as it can be used in conjunction with other treatments to reduce tumor growth and ease symptoms.</p>
<p>Emerging &#038; Alternative Treatments</p>
<p>While surgical procedures, chemotherapy and radiation therapy are considered the most common types of mesothelioma treatment, a number of new therapies are currently in development. Immunotherapy manipulates the patient’s immune system into attacking the tumors, while photodynamic therapy exposes cancer cells to photosensitizing drugs and specific lights. Gene therapy is another experimental treatment that attempts to correct defective genes that may lead to cancerous changes.</p>
<p>Multimodal Therapy<br />
In a recent study, 46% of mesothelioma patients showed a 5-year survival rate following multimodal therapy</p>
<p>Multimodal therapy is one of the most common approaches to treating mesothelioma, combining two or more treatments that may be completed simultaneously or in a planned sequence. A mesothelioma specialist can most adequately analyze a patient’s condition and develop a treatment regimen that will best benefit the patient.</p>
<p>Clinical Trials</p>
<p>Clinical trials are used to test experimental treatments before they are approved for widespread clinical use. These trials often explore new procedures and drugs and compare them to the current standard of mesothelioma treatment. </p>
<p>Alternative &#038; Complimentary Treatments</p>
<p>When choosing a therapy plan, some patients consider alternative and complementary mesothelioma treatments. Alternative treatments refer to any unconventional treatment methods, and complementary treatments refer to an alternative therapy used to supplement one or more conventional treatments. A number of mesothelioma survivors credit their remission to alternative therapies.</p>
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		<title>Donate Junk Car</title>
		<link>http://themediacritics.com/2011/07/13/donate-junk-car/</link>
		<comments>http://themediacritics.com/2011/07/13/donate-junk-car/#comments</comments>
		<pubDate>Wed, 13 Jul 2011 23:26:48 +0000</pubDate>
		<dc:creator>Nick</dc:creator>
		
		<category><![CDATA[Videos]]></category>

		<guid isPermaLink="false">http://themediacritics.com/?p=1780</guid>
		<description><![CDATA[Did you know you can junk your car for free, receive a tax deduction and help a charity?
Donation Line, one of the largest, most visited and respected car donation centers in America can quickly handle the donation and disposal of your auto, truck or motorcycle almost anywhere in the United States. On this site you [...]]]></description>
			<content:encoded><![CDATA[<p>Did you know you can junk your car for free, receive a tax deduction and help a charity?</p>
<p>Donation Line, one of the largest, most visited and respected car donation centers in America can quickly handle the donation and disposal of your auto, truck or motorcycle almost anywhere in the United States. On this site you can choose the charitable organization you want to benefit from your vehicle donation and you receive a tax deduction for your vehicle donation. </p>
<p>Donate Junk Car TODAY!</p>
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		<title>Temporary Medical Insurance</title>
		<link>http://themediacritics.com/2011/07/12/temporary-medical-insurance/</link>
		<comments>http://themediacritics.com/2011/07/12/temporary-medical-insurance/#comments</comments>
		<pubDate>Tue, 12 Jul 2011 22:54:18 +0000</pubDate>
		<dc:creator>Nick</dc:creator>
		
		<category><![CDATA[Videos]]></category>

		<guid isPermaLink="false">http://themediacritics.com/?p=1778</guid>
		<description><![CDATA[If you are looking for a flexible plan that covers you for a short time period and offers you protection against unexpected health care expenses, consider Short Term Health Insurance. Short term health insurance offers a package of benefits similar in may ways to standard health insurance plans. 
]]></description>
			<content:encoded><![CDATA[<p>If you are looking for a flexible plan that covers you for a short time period and offers you protection against unexpected health care expenses, consider Short Term Health Insurance. Short term health insurance offers a package of benefits similar in may ways to standard health insurance plans. </p>
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		<title>New Lasik Eye Surgery</title>
		<link>http://themediacritics.com/2011/07/12/new-lasik-eye-surgery/</link>
		<comments>http://themediacritics.com/2011/07/12/new-lasik-eye-surgery/#comments</comments>
		<pubDate>Tue, 12 Jul 2011 22:52:21 +0000</pubDate>
		<dc:creator>Nick</dc:creator>
		
		<category><![CDATA[Videos]]></category>

		<guid isPermaLink="false">http://themediacritics.com/?p=1776</guid>
		<description><![CDATA[LASIK or Lasik (laser-assisted in situ keratomileusis) is a type of refractive surgery for correcting myopia, hyperopia, and astigmatism. LASIK is performed by ophthalmologists using a laser.[1] LASIK is similar to other surgical corrective procedures such as photorefractive keratectomy, PRK, (also called ASA, Advanced Surface Ablation) though it provides benefits such as faster patient recovery. [...]]]></description>
			<content:encoded><![CDATA[<p>LASIK or Lasik (laser-assisted in situ keratomileusis) is a type of refractive surgery for correcting myopia, hyperopia, and astigmatism. LASIK is performed by ophthalmologists using a laser.[1] LASIK is similar to other surgical corrective procedures such as photorefractive keratectomy, PRK, (also called ASA, Advanced Surface Ablation) though it provides benefits such as faster patient recovery. Both LASIK and PRK represent advances over radial keratotomy in the surgical treatment of vision problems, and are thus viable alternatives to wearing corrective eyeglasses or contact lenses for many patients.</p>
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