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The employee who was overly gung-ho!

November 13, 2020 • By Dennis Beaver  “After I graduated college with a degree in media and marketing, I was hired as a claims adjuster trainee by a mid-west-based property insurance company. The training was great and I just knew that I was working for a company that...

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The folly of ‘Buy a Business’ coaching scams

November 1, 2024 • By Dennis Beaver If you enjoy going online late at night, chances are that seemingly out of nowhere, flooding your screen, ads appear that discuss ways of buying a business with little or no money down. “Most of the people behind these ads are cons,...

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The glut of lawyers is making victims of their clients

February 16, 2013  • By Dennis Beaver Suppose that medical science found cures for the major diseases and conditions which have haunted mankind forever. Let’s also assume at the same time, more medical schools were being opened across the country, with these schools...

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The hidden dangers of a ‘free’ vacation: Part II

May 5, 2017 • By Dennis Beaver You’ve probably gotten a phone call or a letter offering a fantastic four day three night holiday for next to nothing in Las Vegas, Orlando, Cancun, Newport Beach, Honolulu or other vacation venue, with only one requirement: “Spend about...

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The high cost of not changing your furnace and A/C filters

February 15, 2014 • By Dennis Beaver When was the last time that you changed your furnace or A/C filters? Do you know why, in addition to controlling furnace and A/C run times and temperatures, filters have a huge impact on energy use and the life of your entire...

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The High Price of Skipping Workers’ Comp Insurance

June 3, 2025 • By Dennis Beaver “Mr. Beaver, my wife and I are very active 85-year-old semiretired architects. We are still running our own business, but on a greatly reduced basis. We have no full-time employees. Once in a while, if we have to be out of town or if...

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The importance of a backup battery

December 05, 2015 • By Dennis Beaver If you have a landline and want the ability of making a phone call during a power outage, today’s story will be of special interest. As Central California reader “Sylvia” discovered, digital telephone service has made something we...

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The IRS and coronavirus — what you need to know

May 15, 2020 • By Dennis Beaver  “Mr. Beaver, I suffer from a bad case of procrastination in filing and paying my income taxes. I have not filed for over two years out of pure laziness. Recently, I heard a radio ad for a tax resolution company that talked about the...

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The law requires proof

April 23, 2016 • By Dennis Beaver For many years, Phoenix-based attorney Ruth Carter was a mental health care professional, “Which was excellent preparation for what I do now as a lawyer, dealing with clients whose emotional problems–their mental state--have...

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The Mexican Timeshare Resale Scam

January 4, 2019 • By Dennis Beaver Part One Have you purchased a Mexican timeshare and are itching to get it off your hands? While you may have kicked yourself for buying it in the first place, as you will see, today you are at great risk of being conned out of...

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The Mexican Timeshare Scam Part 2

January 11, 2019 • By Dennis Beaver  Last week we looked at a major fraud that carried out by crooked Canadians and Americans residing in Mexico who are ripping off North American owners of Mexican timeshares who want out of their contracts. For anyone who owns a...

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The monsters next door

September 1, 2017 • By Dennis Beaver    “About a month ago new tenants moved into a house in our cul-de-sac and it has been a nightmare ever since. The couple who own the rental–both in their late 70's and suddenly in ill health--admitted to not doing any background...

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The need for a care advocate

December 12, 2015 • By Dennis Beaver It’s no secret that America is turning grey at an accelerated, expensive rate. “On a national level, caring for an aging population requires enormous financial and social resources,” observes Pamela D. Wilson, author of “The...

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The neighbor’s dead tree is going to fall — on our house!

May 25, 2013 • By Dennis Beaver “We are longtime Hanford readers and have a problem with our next door neighbors refusing to remove a dead tree which we have been advised will one day come crashing down on our house. “The tree has been dead for quite a while, leans on...

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The problem with insurance annuities

August 27, 2016 • By Dennis Beaver For anyone thinking of moving a large amount of money from a retirement account into an insurance annuity at this time, it could be a terrible decision. “You’ve got to think this over very carefully. Do not be conned by a salesman...

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The problem with personal alcohol breathalyzers

September 10, 2010 (Original publish date) • By Dennis Beaver Part 1 It is back to college for students all across America. For many, this means party time which usually includes drinking - and we're not talking Welch's grape juice. It also means driving for some when...

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The psychology of being scammed

October 2, 2020 • By Dennis Beaver Have you ever wondered how some people become victims of scams, sending large amounts of money to crooks thousands of miles away? Today’s story explains the psychology of being scammed, and this topic was requested by “Rod,” who is...

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The quest to build a marijuana breathalyzer

November 22, 2014 • By Dennis Beaver Today’s story will be of interest to anyone who has wondered if there is a way to “beat” a breathalyzer. In fact, there is, and we’ll reveal it in a moment. But first, with marijuana use becoming legal in more and more states, when...

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The real skinny on obesity in the workplace

June 24, 2022 • By Dennis Beaver While it may seem unfair, appearance – and weight – play a significant role in hiring, promotion and retention decisions. With the exception of weight that comes under the protection of the Americans with Disability Act, only Michigan...

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The right way to find an attorney

November 05, 2011 (Original publish date) • By Dennis Beaver A friend's son graduates from law school, passes the California bar exam on the first try - something to be very proud of - and opens his own office, wanting to handle legal work for your family's farm. But...

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The rules of being a good Samaritan in America

December 8, 2006 (Original publish date) • By Dennis Beaver Greetings from Stockholm, Sweden, Mr. Beaver. I am an exchange student from California spending one year in a wonderful high school here in snowy Sweden. My family e-mailed your story of the Coco's restaurant...

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The secrets of better grilling revealed

July 13, 2013 • By Dennis Beaver Last week we told you the story of Emily, a second-year student at the University of Arkansas, and her grilling disaster, the result of following very flawed recommendations given to her by a “butcher’s assistant” at a high-end...

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The story of a boy — a big boy — and his treadmill

September 08, 2012 (Original publish date) • By Dennis Beaver Do you know what is both the most popular and most used types of home exercise equipment? Treadmills — probably the most straightforward exercise machines — account for more than 55 percent of the home...

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The total transformation needs one itself

September 13, 2014   •  By Dennis Beaver Does this radio ad, late night TV and on-line infomercial sound familiar? “I will never forget the day my son Jeremy told me that he hated me and slammed the door in my face. I’m behavioral therapist Janet Lehman and I know...

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The Truth About the Dark Side of Rooftop Solar Panels

August 5, 2025 • By Dennis Beaver Solar-panel salespeople who rip off older people and families trying to make ends meet have joined dishonest timeshare salespeople in my book of some of the worst crooks on the planet. Let me be clear: Rooftop solar technology is...

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The used car dealer who did the right thing

July 29, 2006 (Original publish date) • By Dennis Beaver Let's say that you have purchased a used 2003 Toyota Matrix with 97,000 miles on it at a very good price from a local used car dealer. Now, you did wonder if the mileage was really that high, as the car seemed...

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The value of a relationship with an insurance agent

October 5, 2018 • By Dennis Beaver Today we can buy almost anything online, never having to deal with a salesperson, and that includes insurance. While it’s important to consider the best value for our dollar, there is also the notion of false economy, when today’s...

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The wrong way to achieve wealth

March 31, 2021 • By Dennis Beaver  “Mr. Beaver, I am finally starting to earn real money in my medical practice but don’t know the first thing about investing. I need concrete advice on handling money, building wealth, but don’t want to become a slave to money. “I...

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The wrong way to encourage employee generosity

June 30, 2023 • By Dennis Beaver “I am a mid-level manager in a credit and collections firm located in the South that has a history of providing college scholarships and grants that goes back many years. In fact, several of our employees received these awards which...

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The wrong way to respond to angry clients or customers

December 9, 2022 • By Dennis Beaver Our recent article about the restaurant patron who “lost it” when his steak was served rare and not medium – threatening an online defamation campaign unless he was paid $500 – got a very large reader response. Richart Ruddie,...

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These Four Books Explore How to Leverage Our Outrage Positively

March 11, 2025 • By Dennis Beaver If you saw the 1976 movie Network, you’ll remember the line of dialogue that’s impossible to forget: “I’m as mad as hell, and I’m not going to take this anymore!” It was spoken by the character Howard Beale, played by Peter Finch. The...

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These law enforcement tactics can save your marriage

July 21, 2012 (Original publish date) • By Dennis Beaver Sergeant David Lostaunau of the Kern County Sheriff’s Office can easily describe how the use of any weapon — from a .22 pistol to a .50 caliber machine gun — will bring a quick resolution to many issues facing...

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They ran his credit without approval

October 31, 2015 • By Dennis Beaver Ever wondered what the consequences can be when a business runs a check on your credit, but without your approval? Timothy, who reads our column in the Eureka Times-Standard, send the following email: “In September of 2014, I...

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They rented a sailboat and got that sinking feeling

October 19, 2013 • By Dennis Beaver This is a story about a couple — Ima and Doug — who probably gave God something to smile at and he gave them their lives in return. But instead of gratitude for being alive and uninjured, Ima was one of most dramatic examples of...

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Things to know before you buy a new laptop

December 02, 2006 (Original publish date) • By Dennis Beaver I am a graduate student at Cal State Chico and need some advice on what to do about a laptop computer I bought from a company over the Internet. While the computer works fine, the screen is very difficult to...

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Things to look for with assisted living places

July 18, 2015 • By Dennis Beaver For readers of this column who are a bit cynical, in view of the enormous cost to society from an aging population growing more infirm by the day, beset with dementia and Alzheimer’s, many are asking: Why are more states considering...

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Things you don’t know about attorneys, clients

July 30, 2016 • By Dennis Beaver As a direct result of the attorney-client privilege, whatever you say to a lawyer, at all times, is strictly confidential. Neither the lawyer not client can be forced to reveal what they discussed. True or False? “The answer to that...

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Think twice before claiming injuries in minor crashes

May 30, 2015 • By Dennis Beaver On June 15, 2014, Ying, and her daughter, Susie, were in their Lexus SUV, moving slowly on a freeway on-ramp controlled by a ramp-meter which allowed one vehicle to enter every few seconds, when they were rear-ended by a small Toyota...

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Thinking of buying a used car? What you need to know

October 7, 2022 • By Dennis Beaver Let’s say you purchase a used car from a dealership and later want to bring it back for a refund. Do you have the legal right to get your money back regardless of the reason? Does the “Three-Day Cooling Off Period” apply? That’s what...

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Thinking of buying an RV or motor home for your business?

May 4, 2021 • By Dennis Beaver “I run a photography business with my wife and adult son, travelling around the country taking photos of school kids and teachers for yearbooks. We are considering the purchase of a large motor home where we can live and have a set up to...

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Thinking of donating to your alma mater? Be careful

July 16, 2021 • By Dennis Beaver   “My father graduated from a small, private college in the Midwest with a degree in civil engineering. He became a real estate developer and his company was very successful. “Dad often said, ‘I want to give back to my school in a big...

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Thinking that you are a mind reader can be costly

August 18, 2023 • By Dennis Beaver A driver's assumption about the intent of the driver who ran a stop sign and hit his van could have led to him missing out on an insurance payout. “This past March, you wrote an article that insurance claims adjusters like myself...

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This contractual mistake had eerie consequences

December 19, 2015 • By Dennis Beaver Readers who grew up in America of the 1950s and 1960s, and lived in a house with a garage or basement will undoubtedly have warm memories of their deep freezer, also known as a chest freezer. Frozen foods were becoming the rage, as...

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This Is How a Lot of Law School Students Are Cheating

June 17, 2025 • By Dennis Beaver If I told you, “Some law school students are cheating — and are even helped by their law schools,” you’d probably think, “No way, I can’t believe that.” Not only has this been going on for years, but, as you will see, it directly...

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This Is How You Can Land a Job You’ll Love

"Work How You Are Wired" leads job seekers on a journey of self-discovery. Understanding your natural abilities, personality and core values before interviewing can help you snag the job for which you are "wired." February 3, 2026  • By Dennis Beaver Today's story...

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This is not the way to solicit money from investors

August 27, 2021 • By Dennis Beaver 
 “Mr. Beaver, I am being sued in small claims court by several investors in my revolutionary Food Truck App that enables you to know when a food truck is in your area,” “Colin” excitedly explained during our phone call. “No one else...

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This is NOT the way to start your law practice

February 9, 2021 • By Dennis Beaver “Mr. Beaver, your articles influenced me to become a lawyer and I was just admitted to the Bar in my state. One day I hope to do something like you, writing a newspaper column that educates and helps so many people. “Due to COVID-19...

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This is the Wrong Way to Compete

March 6, 2020 • By Dennis Beaver Following completion of his residency in ophthalmology with a specialization in the retina, “Tomas” set up his practice in a small west-coast city. While it had several ophthalmologists, the town lacked a retinal specialist. Two older...

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This might be better than going to jail

July 18, 2009 (Original publish date) • By Dennis Beaver In November 2006 while shopping at her local Target, Amanda "got a nasty impulse to steal some make-up." She placed the items into her purse and walked out. She had no idea that her shoplifting was all captured...

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This school year, resolve to be a parent, not a friend

September 21, 2013 • By Dennis Beaver “I have never met a parent who planned on raising a child who would be a behavioral nightmare at school, and then go on to become an irresponsible adult, unable to hold a job, and often getting in trouble with the law. “But every...

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This university student saved countless numbers of lives

February 17, 2023 • By Dennis Beaver You likely have never heard of Keith Nothacker, or BACtrack, the company he founded in 2001 during his senior year at the University of Pennsylvania where he was an economics major. And that’s OK with him, because Keith knows his...

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Three DUIs in 20 years

April 4, 2015 • By Dennis Beaver “Mr. Beaver,’ the voicemail began, “after reading your story about 24-year-old Tyler, no job, living at home, spoiled by his parents and facing a DUI with a very high blood alcohol level — I just had to get a message to this family,...

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Tips for collecting bills

November 12, 2016 • By Dennis Beaver 
 
 If you run a business — physicians, dentists and lawyers included — and are upset at customers and clients who don’t pay their bills, Chicago-based Executive and Leadership Coach Beth Keno has an observation that you might not...

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Tips for not failing as a leader

June 9, 2023 • By Dennis Beaver “My wife, 'Emily,' was recently named to run an important division in her employer’s auto accessories company. She is one of the most capable people I know for any job, but is terrified of these new responsibilities and has expressed a...

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Tips on handling an auto crash case yourself

December 24, 2016 • By Dennis Beaver Contrary to the many television commercials from nasty looking lawyers who shout, “We Fight for You,” and claim that everyone in an auto accident needs to call them, in reality, not every auto accident case requires hiring a...

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Tips on raising your chances of success in court

August 25, 2023 • By Dennis Beaver If you are headed to court as a witness or a party in a lawsuit, there are a lot of ways you can do real damage to your chances of success, several of which are common sense, but others you don’t want to learn the hard way. Who...

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Tips on using a cell phone while overseas

January 15, 2011 (Original publish date) • By Dennis Beaver "Kate" is a student at Cal State Fresno who spent a semester at a university in the south of France. Before leaving, she learned from AT&T that her cell phone would work in Europe. But they never told her...

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To meet or not to meet with law enforcement

August 24, 2018 • By Dennis Beaver “Mr. Beaver I am a physician in Northern California and read your column in the Eureka Times-Standard. My father is a surgeon and last year lost a patient even before the operation began because the anesthesiologist gave the patient...

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To talk (or not to talk) to law enforcement

April 21, 2008 (Original publish date) • By Dennis Beaver Your phone rings. It is a police officer requesting that you come down to the station to be interviewed about a case in which you could be either a witness or possible suspect. Should you? If you know anyone...

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Today’s real estate market requires extra vigilance

June 25, 2021 • By Dennis Beaver  “My 80 year-old father is selling and flipping properties like crazy, working with a real estate broker and his pals I have very bad feelings about. Do you have some suggestions of what I can do to help minimize the chances of dad...

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Too late to start being a parent

August 01, 2007 (Original publish date) • By Dennis Beaver Mr. Beaver, we desperately need your advice and have been reading your column for over 10 years. The problem is that months ago we loaned our 27 year old son $50,000 for a real estate investment. He had a...

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Toshiba Direct had a nasty bug – Part 2

August 23, 2010 (Original publish date) • By Dennis Beaver Last week we told you about the months-long credit card billing nightmare in which Eiji Yamashita of Hanford found himself over a computer he ordered online from Toshiba Direct in November 2009, but which was...

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Toshiba? No thanks! – Part 1

August 14, 2010 (Original publish date) • By Dennis Beaver Today's story will be of interest to anyone who shops online, and especially for computers, or other expensive electronics. While most transactions go through easily, if something does go wrong — your shipment...

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Tough times for some lawyers – Cheating clients Part 1

May 02, 2009 (Original publish date) • By Dennis Beaver This recession has now touched lawyers, many who earned hundreds of thousands of dollars a year, are out of a job. There are indeed certain legal specialties in great demand during a down economy, but most are...

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Toward a better relationship with your lawyer – Part 3

May 16, 2009 (Original publish date) • By Dennis Beaver In our two last articles, we looked at the ugly secret of how some law firms resort to completely illegal billing practices doing unnecessary work for the sole purpose of running up the bill. As we pointed out,...

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Trouble in partnership land

March 31, 2023 • By Dennis Beaver If you and a good friend or family member have been looking forward to going into business as partners, then today’s story will be especially relevant, and highlights why lawyers generally advise their clients to carefully think over...

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Trust difficult with collection agencies

November 11, 2006 (Original publish date) • By Dennis Beaver I am receiving phone calls and collection notices from a New York collection agency on a checking account that I closed years ago. When the account was still open, it had Overdraft Protection. I purchased a...

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Turning our regrets into life’s best positives

November 4, 2022 • By Dennis Beaver “Jerry,” my 65 year-old father, is beating himself up over failing to get out of the stock market months ago when it was so high. He is obsessed with making money and now consumed with regret and guilt. “He has always been...

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Twenty One and in jail. Momma, don’t bail him out!

January 12, 2013 (Original publish date) • By Dennis Beaver There is no instruction manual, no class, no test to pass before becoming a parent. All of us who have children are going to make some mistakes in how we raise them. Love and the need to nurture and protect...

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Twenty Three years as a waitress, and she loves her job

September 29, 2012 (Original publish date) • By Dennis Beaver Today we begin a series that will be of special interest to a group of people who have some of the most difficult jobs in the world and whose work is often underappreciated by their customers, as well as by...

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Ukraine is a powerful message for business owners

April 22, 2022 • By Dennis Beaver  “The war that the reincarnation of Adolph Hitler unleashed on the citizens of Ukraine was predictable, and the political elements that made it possible have been brewing for decades,” observes Dr. David D. Schein, an attorney and...

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Understanding and dealing with misers

April 26, 2019 • By Dennis Beaver If it’s the holiday season and I say “miser.” What name comes to mind? (No, not your cheapskate uncle Joe, we’ll get to him later.) I’ll bet its Scrooge. Misers have been some of the most despicable characters in literature, with...

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Understanding earthquake insurance

November 29, 2024 • By Dennis Beaver In 2024, more areas of the U.S. experienced earthquakes, leading some homeowners to face what Alaskans and Californians live through and fear: earthquake damage to their homes. “After their homeowners insurance claims were denied,...

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Understanding how lawyers charge

January 13, 2007 (Original publish date) • By Dennis Beaver Part 1 I have a question for you about excessive attorney fees, and the only reason I am able to even discuss this matter is because of a strange coincidence that happened a few days ago in Fresno Superior...

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Understanding insurance for rental cars

November 20, 2010 (Original publish date) • By Dennis Beaver Last week we told you about Hanford veterinarian Dr. Lee Fausett and the flat tire he experienced with a car rented from Alamo at the Salt Lake city airport this past July. After accepting the Roadside Plus...

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Understanding laws that apply to your business

November 14, 2015 • By Dennis Beaver Today’s story will be important to anyone who has recently opened or is considering starting their own auto repair shop, including: collision repairs, brakes, tire service, tune-ups, painting and car stereo. It’s possible — and...

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Understanding permissive user law

May 20, 2006 (Original publish date) • By Dennis Beaver For the past several years my sister and I have been taking care of our mother, who suffers from Alzheimer’s. We alternate being with her during the day and at night. While she has two cars that are still in her...

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Ups and downs of garage door openers

September 30, 2006 (Original publish date) • By Dennis Beaver Thinking of installing a new automatic garage door opener? Before just calling the first company you find in the Yellow Pages, it might pay to learn from the experience of Los Angeles reader, Ted. A...

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Use a hair blower, go deaf

January 22, 2011 (Original publish date) • By Dennis Beaver "Our wives work as hair stylists in a relatively small town in California's Central Valley. We are all very close, went to the same high school, got married right after graduation, the girls attended beauty...

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Use caution before bailing grandson out of trouble

May 12, 2008 (Original publish date) • By Dennis Beaver Ken, a retired agricultural consultant who lives in "a place that is so hot in the summer only the scorpions are happy," sent the following e-mail: "My grandson got an eviction notice that says he has to be out...

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Use caution before selling structured settlement

January 17, 2015 • By Dennis Beaver “Unless your readers who are thinking of selling all or part of their structured settlement payment rights exercise caution and take their time, they could lose an enormous amount of money,” warns New York attorney, Edward Stone,...

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Use the wrong breathalyzer and go to jail

September 18, 2010 (Original publish date) • By Dennis Beaver Part 2 Last week we told you about a fraternity at the University of Wisconsin at Madison that wanted to be sure anyone who planned to drive home after a party was below the legal limit for a DUI arrest, so...

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Use this fabric softener and get driven out of your house

June 25, 2011 (Original publish date) • By Dennis Beaver "Mr. Beaver, we live in an area with hard water, so we always use a liquid fabric softener, generally Downy or similar brands. We have seasonal allergies, but the perfumes and scents in these products has never...

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Using a car broker? Use caution!

March 27, 2022 • By Dennis Beaver Lots of people who want to avoid the hassle of buying or selling a vehicle, for business or personal use hire an auto broker — sort of a “middleman” who handles all of the details and negotiations. Tell them what you want, and for a...

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Using sound to prevent aggressive dog attacks

March 10, 2012 (Original publish date) • By Dennis Beaver Ricky is a Fed-Ex driver, working in California’s Central Valley, “delivering packages to homes and apartments,” he told “You and the Law.” “We all take safety quite seriously. But there is no way to fully...

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