Atlanta Civil Litigation Attorney Steve Estep Explains Litigation in Plain English

For those who do not have experience with the legal process, the concept of litigation may be unfamiliar. Here, Atlanta civil litigation attorney Steve Estep explains litigation in easy to understand terms.

What is Litigation?

Litigation is another word for the legal process that begins when a party files a lawsuit. The plaintiff is the person, group, or organization that files the lawsuit, and the defendant is the person, group, or organization that responds. There are two types of litigation: civil and criminal.

Civil Litigation vs. Criminal Litigation

Civil cases are legal disputes between individuals, groups, or organizations. In a civil case, the plaintiff seeks financial restitution (“damages”) or to force the defendant to do something or stop doing something. The outcome of this type of case typically impacts only the involved parties, and the parties may settle before they have to go to trial.

Criminal cases involve the government at the local, state, or federal level accusing the defendant of a crime. In a criminal case, the government, represented by a prosecutor or district attorney, seeks to punish the defendant for breaking the law. Criminal cases are seen as impacting society, not just the victim.

Examples of Civil Litigation

There are a few reasons a party may begin civil litigation. For example, in cases involving medical malpractice, wrongful death, personal injury, or product liability, the plaintiff seeks financial compensation.

A party may also begin civil litigation to force a person, group, or organization to take a certain action. Cases involving libel, slander, patents and trademarks, trade secrets, worker’s compensation, contract disputes, and disputes between landlords and tenants are handled through civil litigation.

Examples of Criminal Litigation

Any case in which the law has been broken is a criminal case. There are two types of criminal offenses: misdemeanors, which are considered minor crimes, and felonies, which are considered more serious crimes. Examples of criminal offenses that will result in criminal litigation include: breaking and entering, shoplifting, murder, robbery, arson, rape, and drunk driving.

Do You Need a Civil Litigation Attorney?

It is important to realize that the vast majority of civil cases end up being settled before the case goes to trial. In some cases, however, a party will decide that the matter cannot be settled out of court, making it necessary to go through the litigation process. In this situation, having a seasoned civil litigation attorney on your side is absolutely crucial.

Steve Estep is a civil litigation attorney who handles cases in the Atlanta area as well as out of state.

Website: http://veneersfactory.com/steve-estep/

Better Sensual Activity Through Playfulness

Even couples whose love lives are quite healthy might be interested in better sensual activity; long-term relationships often run the risk of settling into a comfortable groove that can then turn into a rut. One way for couples to keep things lively is to try letting their “inner child” out a little during their sensual activities. The better sensual activity that can result from this exploration not only is going to help improve male organ health by keeping the organ active, it may also improve the health of the relationship by enabling partners to learn more about each other.

What kind of inner child?

Getting in touch with the inner child can mean a lot of different things to different people. In the context of bringing the inner child into one’s sensual experience, it doesn’t mean introducing that part of oneself that may be petulant or demanding or always wanting his own way. It refers instead to the sense of freedom and playfulness that comes naturally to children but which adults tend to bottle up when they reach a certain age.

Bringing that playfulness into the bedroom can be liberating. It creates a new sense of excitement and adds a level of intimacy, even to relationships which are long-established.

Discussion or surprise?

Should a man spring his inner child on his partner? Or is this something that needs discussion? There’s not a right or wrong answer to that question. As with so many things, it really depends upon the specific personalities involved. In some cases, a partner may see where a man is going if he introduces childlike play into their intimacy and join him in the game. In other cases, it’s not going to work unless the partner is properly prepared.

What activities should be involved?

Again, this depends upon the individuals involved, but the general idea is to get involved in activities that bring about a sense of playfulness and free-spiritedness. In some cases, it may also bring about a sense of faux-competitiveness.

For example, pillow fights are often an excellent way to get one’s sensual juices flowing. The individuals don’t necessarily want to “win” the pillow fight so much as get the adrenaline pumping, have laughs and use the pillow fight as a way to “get going.” Laughter, growling, jumping, tickling and other reactions that grow out of the pillow fight help lead to a spirited bout of coupling.

Playing “strip” versions of games can also be fun. Strip poker is obvious, but there are other variations as well. For example, play a version of Twister in which participants must take off a different piece of clothing every time a new color is called. Play dice and have each individual pick a number. When that number is rolled, a piece of clothing comes off.

If privacy is not an issue, engage in unclothed versions of more physical games, such as tag, hide and seek or wrestling. Better sensual activity is just a quick hop, skip and jump away, as the physical activity helps release the chemicals that lead to energetic intimacy.

Naturally, utilizing the release of the inner child to achieve better sensual activity will be even more enjoyable if a man makes sure that his equipment is in good working order. This is where using a first-class male organ health crème (health professionals recommend Man1 Man Oil) comes in handy. All that physical activity can help get the blood pumping, so it’s advisable to include in one’s regular routine a crème that contains the invaluable enzyme L-arginine. This ingredient plays a role in boosting nitric oxide production, which in turn helps with the all-important manhood blood flow. It also helps to make sure the crème includes neuroprotective acetyl L-carnitine. Why? Sometimes the handling of the member gets a bit too rough, which over time can lead to a loss of sensitivity in the organ. Acetyl L-carnitine helps avoid peripheral nerve damage, allowing the manhood to maintain appropriate sensation. All of which helps a man feel more playful and able to benefit from releasing his inner child.

Visit http://www.menshealthfirst.com for additional information on most common manhood health issues, tips on improving member sensitivity and what to do to maintain a healthy male organ. John Dugan is a professional writer who specializes in men’s health issues and is an ongoing contributing writer to numerous websites.

Rural Development Loan- Why to choose USDA loan?

Nowadays, lots of Americans try to buy a house, located outside of the highly populated regions. For these rural residents in the USA, USDA loan can be of utmost help. With the help of this financing option, they can easily acquire the home ownership in the desired area. This Rural Development Loan is intended to give you several benefits that may not be achieved with the conventional loan.
While defining the loan, USDA has said that it assists the lenders to offer a good opportunity (for borrowers, having low or moderate level earning) for owning the modest and safe houses. The buyer has to choose this house as the primary dwelling in the appropriate rural regions.

Full financing with the USDA loan-

The qualified borrowers have the chance of enjoying full financing. Without any down payment, you have the potential to purchase the house. You know that another option for financing is FHA mortgage. However, in that case, the down payment rate can range from 3.5 to 7 percent. That is why USDA is the better option to most of the borrowers. By avoiding down payment, you will save money with this loan. You can use USDA Loan Calculator to know what you should pay after taking the loan.

Interest percentage- It is reasonable and stable

Due to the affordable and lower interest charges, USDA loan is highly desirable. However, your credit rate will help you to make out how much interest rate is applicable to you. The higher score will increase the chance of having the reduced interest rate. The ratio of your present debt and your income may also affect the interest rate. At first, you have to know the accurate interest rate from your lender, and then, you may rely on the USDA Loan Calculator. While using this online calculator, you have to input the loan amount, interest percentage and the term. You should also make out whether you pay back the money monthly or yearly. The calculator will automatically show the amount to be paid.

The insurance premium rate- Not much high-

Another major benefit is that the charge for mortgage insurance is reasonable. USDA has assessed that the upfront rate for mortgage insurance is 2%, while the annual MIP is 0.40 percent.

The PMI for USDA loan is low, and it never gets altered on the basis of the down payment.

Credit rules are highly flexible

USDA loan is backed by government, and it is most helpful to the borrowers, having low credit scores to get qualified for financing. The creditors look for other alternative tradelines, including the rent, phone bill and utilities. All these things can show the payment record for borrowers, having limited credit details.

Thus, for all these reasons, you may choose USDA loan as the best Rural Development Loan. However, geographic restriction is one of the negative aspects of this loan. For instance, rural housing development, done in the northern part of Indiana, includes most of the regions. However, Fort Wayne and Gary are not covered by it. You have to speak to the lenders to know these facts.