Crashing The Company Car: What To Do Next

There is nothing scarier than being involved in a road traffic accident. The sensation of losing control of a vehicle in which you are currently sitting is terrifying. Add to that the fact you’ve rolled the company car? Scary stuff. 

Most people will tell you not to panic as the company you work for should have vehicle accident management software for moments like this. They’ll see it wasn’t your fault and they’ll be able to walk you through what to do next. The company will also likely have lawyers to worry about all of this for you and cover you with insurance. However, you need to think about your own legal rep and how to ensure that you’re not taken advantage of if you need help. A lot of information will be thrown at you in the wake of a car accident, and you need to take a step back and give yourself a moment to absorb it. With that in mind, here’s what to do if you’re in a wreck with the company car. 

Close-Up Photo Of Steering Wheel

Image source: Pexels

  • Are You Responsible?

The very first thing to figure out is whether or not you are responsible for this mess. It’s not nice to talk about it, but you need to be present in the investigation. The accident software your company installs in company cars will be a big help, as will dash cam footage. Understand whether this was your negligence or negligence at the hands of the other driver, and you will be just fine. 

  • Insurers

If your company is to blame, as in, they didn’t adequately service the vehicle, they will be answerable to their actions – not you. Yes, you’re responsible for driving, but if you were put in a dangerous situation it’s important to be able to get help and back up with the company insurance. They will be liable for costs, not your personal pocket. 

However, if you are to blame for this accident because of non-work related car use or being illegal with the car, you could lose your job as well as a shot at any compensation. This is not the outcome you want here. 

  • How To Handle It

You should never assume your company will take care of it all for you. Insurers are costly and it makes sense to ensure that you have your own legal help to advise you if there has been an accident. Hiring a personal injury lawyer who is knowledgeable on what to do in these situations is going to be the smartest move you could make. 
It may be difficult to deal with all of this legal headache, but deal with it you must. Get some help from a professional before you get back to driving again. You need physiotherapy to get you on your feet and a therapist for your mental health, too. Car accidents are not a joke. No matter what you do, make sure that you get the best advice possible and protect yourself while you recover.

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Situations in Life Where Hiring a Lawyer Is a Good Idea

A lot of people find that hiring a lawyer can be expensive, time-consuming and ultimately only suitable for some very specific situations. As a result, they might cross off the opportunity of hiring a lawyer because it’s expensive and usually only reserved for specific situations. However, you might find that hiring a lawyer can be an incredibly common strategy to help deal with troubling circumstances in life.

In this post, we’re going to cover a few of those situations where hiring a lawyer not only makes sense but is arguably the best way to help you through tough and challenging circumstances.

Source: https://unsplash.com/photos/BuNWp1bL0nc (CC0)

If you’ve suddenly lost your job

Employers should be fair and lawful when it comes to your employment status. They shouldn’t kick you out of your job without a good reason and if you feel that you’ve been discriminated against at work, then you have the right to hire a lawyer and fight back against your employer. Losing your job can be devastating since it completely cuts your income, and it’s even worse when the decision is made so suddenly that you have no time to prepare. If you want to dispute this and potentially seek compensation, then you need to hire a lawyer. Articles such as the one at https://www.careertoolbelt.com/top-20-things-to-do-if-you-lose-your-job/ are also a good resource for those who have suddenly lost their job.

Business-related problems

Business legal issues, such as a company copying your property, should be dealt with by legal professionals and not yourself. These are incredibly sensitive situations where one small mistake could have disastrous consequences. As such, make sure you’re always receiving guidance from a legal professional if there are business-related problems that require the help of a lawyer.

Family disputes

Whether it’s splitting from your partner, disputes regarding a deceased relative’s will or even custody of your children, any family dispute should be overseen by a legal professional. We suggest taking a look at websites such as https://www.browndahan.com/what-we-do/divorce/ for more information on how these lawyers work, what type of disputes they deal with and also what you should be doing if you find yourself in a complex family dispute. Without legal help, you’ll find it incredibly difficult to argue your side of the story.

Criminal charges

While the term “criminal charges” can sound worrying, there are actually many situations where you could argue that you don’t deserve to be labelled a criminal. One glaring example of this is when you’re charged with driving under the influence. DUI charges are incredibly serious but a lot of people are adamant that they don’t deserve that label. With legal help, you can reduce the severity of your punishment and potentially wipe away your criminal record if you had good reason to do what you were doing.

Hopefully, this article has shown you a couple of good examples of when you should really be hiring a lawyer. Without a lawyer in these circumstances, you’ll have almost no chance of standing up for yourself.

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Buying A Drone For Professional Reasons

Image Credit Pixabay.com License CC0

When you hear the word drone, you will probably be thinking that they are a big boys toy. Well, you may be right to some degree, but there are lots of great uses for drone technology from a business point of view. If you are someone who has a passion for gadgets, owning your own drone could turn into a lucrative business opportunity for you with a number of areas of business that have a need for this type of technology. 

Drones are exciting! They can fly to reasonable length away from their controllers, they can shoot high-quality pictures and videos which you can look at in a live view either from your controller or from your smartphone. Many come with GPS so you will get greater control over where they are, and some even have the ability to fly themselves to some degree. 

They differ from other remote control flying technologies in the fact that they are a lot more stable. Having four flat rotor blades all working independently of each other means that they are very accurate when it comes to manoeuvring them, and, they can stop still on one spot for any length of time. This makes them ideal for any job that requires aerial photography as you will be able to get a great shot without having to worry about moving the controller around and trying to trigger your camera. 

Drones And The Law

Of course, you will probably have heard a great deal about drones in the news. From many angles, drone technology can be quite controversial. There are a number of safety concerns that center around the use of drones. The most significant of these is using drones near the flight paths of planes. It is against the law to fly a drone near to an airport. There have been many instances now where drones have caused massive disruption, and on one occasion, a London airport was brought to a standstill for 33 hours at a cost of 50 million pounds. The risk to lives when a drone gets too close to a plane is unreal, and as such there are strict laws covering drones and property that everyone who owns one has to adhere too. Even away from airports, there are situations where drones could easily come into contact with planes. For example, many farmers use planes for crop dusting, and these will fly considerably lower than commercial jets do.

You will need to get a license to use your drone, this will ensure that you are registered and understand the restrictions that the aviation authority has set on the flying of drones. 

There is another concern that you should be aware of when getting a drone, and that is the use of them in built-up areas. If you have a camera mounted on your equipment, there are obvious security and privacy concerns and you will need to take these into consideration when using yours. 

Learning To Fly

If you are buying a drone for professional use, then you will certainly want to ensure you know how to fly it first. Drones are obviously very expensive and the last thing that you would want to do is send you new expensive professional piece of equipment hurtling to the ground, to be smashed up. 

One thing that you might want to think about doing is buying a cheaper hobby model to practice on. This will get you used to the basics of flying without the risking a product that will cost a great many times more money. 

You may want to look into getting some flying classes from a drone school. This is a good way to get some expert help and learn all of the tips from the pros. You will learn in a safe environment and in a measured manner. 

What To Look For In A Drone

Shopping for your drone may be a bit of a minefield. You may have heard of some of the top makes and models such as the DGIs. But when it comes down to the nuts and bolts of the issue, you will need to get a good handle on the differences before you part with your cash. 

The distance that a drone can fly to is going to be very relevant to you. Some can only go up to a few hundred metres, which is fine if you only want to do photography and video work of the area that you are stood in, however, if you are needing to take your drone further away, for surveying for example, then you will want something with a range of a couple of kilometres. 

Battery life is going to be a concern, and many people are shocked at how drones don’t stay up in the sky for that long. They require a great deal of battery power to run all of the motors, cameras, and GPS systems, and as such you will generally be looking at the twenty to thirty-minute time span before you will need to bring your drone to the ground to change the battery. Many have an automatic return to base function so that when the battery is low, it doesn’t just drop from the sky. Buy plenty of spare batteries whichever model you go for. Having lots to swap between while you are out will mean that you won’t run out of power!

The next thing that you should check for is the availability of spare parts. There may be times when you do happen to have an accident. A bad wind could knock you off course, or you may misjudge your position. A cracked blade will be enough to ground your drone until it is replaced, so make sure that you can freely buy spares. 

Lastly, and maybe most importantly the camera is of huge significance if you are to use this professionally. Don’t just go by the amount on megapixels the camera has, find out about the lense and if it has features like a zoom. If the camera is not good enough, find out if it is possible to upgrade this.

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Time Limit: How Far Back Can I Claim a Flight Compensation?

Originally posted on the Claimcompass blog on October, 17th, 2019.

“My flight was delayed 6 years ago. Back then, I had no idea that I could get compensated for that. Can I still get a compensation for that flight delay?”

This is what many passengers who have only recently been made aware of their air passenger rights wonder.

Well, yes, you can probably still claim your cancelled or delayed flight compensation – but there is a time limit. How far back you can claim varies from one country to the next.

If your flight was cancelled or delayed by at least 3 hours, you can get up to 600€ in compensation from the airline. Check if you’re eligible by filling out your flight information here – it takes only 3 minutes!CHECK YOUR FLIGHT NOW

You-Might-Get-a-Compensation-for-That-Old-Flight-Delay-After-All

How Far Back Can I Claim Compensation In Each Country?

So you can claim for flight disruptions which happened years ago. But how many years exactly?

The time-limit depends on the legislation of the country you bring the claim to.

Here is an extensive list of countries in Europe, with how far back you can claim for each of them:

How-Far-Back-Can-I-Claim-a-Compensation-for-Flight-Delay-or-Cancellation

And here again in full text if that’s easier for you. This is how far back you can undertake court actions to claim compensation for your delayed or cancelled flight:

As you can see, there is no harmonization at the European level: each country has their own legislation on the matter.

For instance, in France, you can claim up to 5 years after the flight – but only 3 years in Germany and 3 in Italy. But you can still claim up to 6 years after the flight disruption in the United Kingdom.

However, keep in mind that to this day, no passengers on a flight disrupted over 6 years before got compensated. Even though it is possible, in theory.

In-Which-Country-Should-You-Claim-Compensation_

How Do I Know Which Country To Bring My Claim To?

If you let ClaimCompass do all the work for you, then you don’t need to worry about that. Our legal experts will get in touch with the airline and the appropriate legal body.

Submit your claim now, it takes less than 3 minutes!

Now, if you decide to take the matter in your own hands, I suggest you first read this guide on flight delay compensation or this one on compensation for cancelled flight. They’re packed with everything you need to know about flight disruptions and how to claim compensation.

Should you need to escalate your claim to a legal body such as a National Enforcement Body (NEB) or an Alternative Resolution Dispute (ADR) scheme, know that you can bring the case to the country of the departure airport or the arrival airport.

Whenever you have a choice, contact the legal body of the country where the legislation is most favorable to you: for example, in the case of a flight between the UK and Germany, contact the British NEB, since their statute of limitation is 6 years, versus 3 for Germany.

What-If-My-Flight-Wasn-t-In-Europe_

Can I Claim Compensation if My Flight Wasn’t in Europe?

When the EU Regulation 261/2004 isn’t applicable, can you still get money for your delayed, cancelled, or overbooked flight?

For international flights, the Montreal Convention acts as reference for your passenger rights – and it sets a time limit of 2 years to claim:

“The right to damages shall be extinguished if an action is not brought within a period of two years, reckoned from the date of arrival at the destination, or from the date on which the aircraft ought to have arrived, or from the date on which the carriage stopped” – Article 35, Montreal Convention

When the EC 261 isn’t applicable, you can still hope to be compensated under the Montreal Convention. Do not, however, that the time limit is shorter than in most European countries.

Plus, keep in mind that with the Montreal Convention, you are “only” eligible to compensation for damages incurred by the flight disruption. “Just” being delayed isn’t enough for you to get any money from the airline.

Whenever you have the choice, claim compensation under the EU Regulation instead.

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Air Passenger Rights in the USA: When Can You Get a Flight Compensation

We already told you how to claim up to €600 for flights in-and-out of Europe. But when it comes to air passenger rights in the USA, how does it work?

Similarly to the European Economic Community and the EU Regulation 261/2004, the US Department of Transportation has established certain rules for airlines to follow.

Dive in and learn about your passenger rights!

Transparency and honest fares

The displayed price of a ticket should be the final price you pay. In other words, it should include all government taxes, mandatory airline charges, fuel surcharges, and so on. This rule applies not only to airlines, but also to other travel retailers, be it online or offline. Note that the price of the ticket includes taking you from point A to point B.

Add-ons such as Seat selection, excess baggage, extra airport services are normally not included in the price and not subject to the above rule.

Overbooking and denied boarding

Overbooking simply means that the airline has sold more tickets than it has seats on the plane. When you get involuntarily “bumped” off the flight, you are entitled to compensation, unless the airline can get you to your final destination within an hour of the scheduled arrival time. The rate of the compensation depends on the flight and the length of the delay.

If you arrive at your final destination between one and two hours late (on domestic flights) or two to four hours late (on international flights), you are entitled to 200% of the value of the one-way fare to your destination, not exceeding $650. For delays that exceed these times, the airline owes you 400% of the fare, but not exceeding $1,300. In these cases you get to keep your original ticket and can ask for either a full refund, or travel credit, which you can use at a later time.

Delays and cancelations

When your flight is substantially delayed, canceled or rescheduled, you have the right to reroute via a different airport at no cost, regardless of the difference in the fare, or request a full refund.

What constitutes a “substantial” delay or schedule change is up to the airline. The latter is described in a type of policy called “Customer Service Plan”, which outlines what are the airlines’ responsibilities vis-à-vis its passengers in case of a delay, cancelation or a schedule change, as well as a number of other circumstances.

Most airlines will offer a meal voucher for shorter delays, and hotel accommodation for overnight delays, yet the policies and their implementation varies. It is important to note that, unlike for cases of overbooking and flights in-and-out of Europe, US regulations do not require airlines to pay compensation when a flight is delayed or cancelled.

Tarmac delays

A tarmac delay would arise when you have boarded the plane, but haven’t taken off yet, or upon landing and have no access to the terminal. In these cases, the airline cannot keep you on the plane for more than three hours (domestic) or four hours (international) and should allow you to disembark if you wish.

The airline must also offer you food and water after two hours, as well as provide access to the lavatories and an update on the delay every 30min. Again, unfortunately for you, when these rights aren’t respected, you are not entitled to compensation, but the airline would get fined.

Air Passenger Rights: Bottom Line

European and US regulations clearly differ, yet they exist nevertheless. If you believe your rights haven’t been respected on a US flight, we suggest you get a hold of the airline’s customer service. For disrupted European flights, you can calculate your compensation with the help of our Compensation Calculator.

And don’t forget to subscribe to the ClaimCompass newsletter: in addition to travel tips that you won’t find on the blog, you’ll get a free checklist to know if you’re entitled to compensation from your airline!

You might also be interested in:

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Hemp vs Marijuana: What’s the Difference?

Originally posted on APRIL 2, 2019 in CBD EDUCATIONCBD NEWS

hemp vs marijuana

It seems like you see the letters CBD everywhere today. You almost forget that not long ago, CBD products weren’t legal in America. What makes CBD legal comes down to its plant source. Following the 2018 Farm Bill, hemp and marijuana are classified as two different substances under the Control Substance Act. That’s because the effects of hemp vs marijuana are very different. This contrast is thanks to how marijuana and hemp affect a network inside of our body, known as the endocannabinoid system. Let’s discuss the differences between hemp and marijuana.

Hemp vs Marijuana: A Difference in Genetics

While hemp and marijuana effects differ, the two plants are siblings from the same family. Marijuana and hemp are both species of the Cannabaceae genus. There are two predominant plants in the Cannabaceae family. They are Cannabis indica and Cannabis sativa.

Due to it’s sturdier frame and huskier exterior, present-day hemp evolved from Cannabis sativa. Their short and stocky frame cause hemp plants to grow closer together than marijuana plants do, maxing out around 4 inches apart.

Thanks to the hardiness of their fibrous stalks and close proximity to other plants, hemp can withstand many climates. The durability of hemp allows them to reach maturity within 108 to 120 days.

While hemp is just one species of the Cannabaceae genus, marijuana, on the other hand, can be cultivated as either Cannabis indica or Cannabis sativa. That’s where it’s pickiness stops.

To best grow marijuana, you’re going to need warmer climates and more space. These cannabis family members also like breathing room–upwards of six feet between plants! Hey, maybe space is a bit of a good thing. After all, marijuana matures quicker than hemp, as these plants are ready for harvest within 60 to 90 days.

Another glaring difference between hemp and marijuana? Hemp plants are male. Whereas, marijuana is female. Maybe that’s why they mature quicker than hemp plants!

Hemp Effects vs Marijuana Effects

One last difference in the hemp vs marijuana debate might just be the most important. It involves how compounds within these plants interact with our endocannabinoid system.

The endocannabinoid system relies on a series of receptors located throughout our body. These receptors regulate everything from our mental health to hormone production to appetite.

Research indicates hemp effects are very beneficial to the system. The plant is a complete protein containing all the essential amino acids. Hemp effects also include antioxidative and anti-inflammatory benefits. This wide range of qualities is why CBD oil is popping up in everything from beauty lines to supplements to skin care.

Additional research confirms many of the benefits of hemp effects can also be achieved to some degree by marijuana as well. However, there’s one significant difference between how hemp affects the endocannabinoid system vs how marijuana affects it. This primary contrast is that marijuana triggers a psychoactive effect on the endocannabinoid system.

While marijuana can create a euphoric feeling throughout the body, hemp doesn’t have the same effect on the endocannabinoid system. Farm Bill-compliant hemp can’t get you high. The reason for such a variance in cannabis experiences comes down to two molecules–CBD vs THC.

CBD vs THC

What gives plants their distinct attributes are the network of chemical compounds within their DNA. In the Cannabis sativa family, the significant differences between plants come down to plant-based compounds known as cannabinoids.

Cannabinoids are molecules formed within the oils of the cannabis plant. They are also behind the therapeutic benefits of cannabis.

As the prefix implies, cannabinoids are closely associated with the cannabis family. While other plants do have cannabinoids, none has an abundant supply as members of the Cannabaceae clan. Research indicates that the hemp plant has at least 113 cannabinoids known to humankind.

Think of cannabis plants like men and women. Both genders have estrogen and testosterone in their system. The difference in these levels is what causes one person to grow the characteristics of a male like facial hair or traits of a female such as the growth of breast tissue.

In hemp vs marijuana plants, instead of estrogen or testosterone, their molecular structure depends on the ratio of CBD vs THC.

What Causes Marijuana Effects?

Delta-9 tetrahydrocannabinol is the THC molecule that gives marijuana its psychoactive or intoxicating characteristics. The THC molecule binds on cannabinoid receptors, creating a euphoric-like feeling on the system.

Under the Farm Bill, hemp plants must have 0.3% THC or less. Due to its low concentration of THC, hemp effects are not psychoactive.  

What Causes Hemp Benefits and Effects?

Cannabidiol (CBD) is predominant in hemp plants and the primary reason for the effects felt from hemp. It works in unison with the other cannabinoids in hemp to help bring homeostasis (balance) to our system.

Unlike THC, the CBD molecule doesn’t bind onto many receptors. Instead, it stimulates stressed receptors, causing a calming-like effect on the body.

CBD can’t get you high. In fact, due to its molecular structure, CBD can even counteract unwanted marijuana effects.   

A History of Hemp CBD Benefits on Ancestors

Back before plants were classified by species and family, our ancestors learned about herbs through trial and error. They would use plants for sustenance and eventually, for medicinal purposes. One of the earliest texts known to humankind is a Hindu work known as The Vedas. This ancient record referenced cannabis as one of the Five Essential Plants.

ancient hemp history

When our ancestors migrated, they brought this versatile plant along with them. Chinese emperor Shen-Nung seeped the leaves in a tea to experience hemp effects such as pain relief. Egyptians used cannabis to treat sore eyes. Romans applied hemp extracts to heal sores on both humans and horses.

Our ancestors who went west took hemp along for the journey. As America started colonizing, parts of the country even valued hemp as an acceptable form of payment!

Cannabis was so commonplace that in the 1800s it was an ingredient in many over-the-counter medicines. The plant even landed itself on a list of medicinal herbs in the 1850 US Pharmacopeia.

In 1850, science hadn’t evolved to the point where scientists could differentiate between hemp and marijuana. Cannabis the species was classified like one plant, and this would come to be detrimental in the hemp vs marijuana battle.

Hemp vs Marijuana and Prohibition

In the early 1900s, America was cracking down on mind-altering substances. This change in philosophy caused the country to ban cannabis. During this time, nobody was able to differentiate between hemp and marijuana. They couldn’t figure out that one plant will cause the psychoactive side effects, while the other won’t. Since no one could distinguish between the two, the cannabis ban affected both plants.

With prohibition, companies removed cannabis as an active ingredient in their over-the-counter remedies. Consequently, the masses became deprived of the CBD benefits from ingesting hemp products.

Figuring Out the Difference Between Hemp and Marijuana

In the 1960s, scientists finally discovered the THC molecule. They realized this cannabinoid interacted with the body, fostering the high associated with marijuana effects.

Simultaneously, pharmaceutical companies started to grow. With the industrial revolution, companies began mass-producing medications in the same laboratories that were performing studies on these drugs. With our ever-growing reliance on pharmaceutical remedies, hemp-based care and studies seemed a thing of the past. Therefore, the need to distinguish between hemp and marijuana seemed unnecessary.   

While conventional drugs have a place in wellness, many come with a laundry list of side effects. Just watch one commercial and your head will be spinning. These unfavorable effects led many to look toward a more natural form of therapy that had our ancestors’ approval.

In 1996, medical cannabis became legal in California. However, the groundswell behind the hemp movement didn’t swing into full gear until 2012. This was a landmark year where numerous states voted in favor of medical cannabis. Even then, it wasn’t until 2014 the differences between hemp and marijuana were recognized legally. Still, the laws surrounding cannabis can be tricky and make knowing the difference between hemp and marijuana more crucial than ever.   

Hemp vs Marijuana and the Law

In 2018, Congress signed a new Farm Bill into law. A provision in this legislature saw the differences between hemp and marijuana finally recognized.

Farm Bill Opportunity swiss army knife

Photo Credit: USDA Website

The new Farm Bill reassigned the cultivation of hemp under the jurisdiction of the United States Department of Agriculture (USDA) instead of the Department of Justice. With this change of oversight, hemp became reclassified under the Controlled Substance Act.

During prohibition, the Controlled Substance Act classified both hemp and marijuana as cannabis. Unfortunately for those who wanted hemp CBD benefits, all species of cannabis were classified as a schedule 1 controlled substance. That categorization held hemp in the same regard as opioids and meth. It’s also a reason for the long-standing stigma surrounding cannabis products today.

Thanks to the new Farm Bill, which was signed with a hemp pen by Majority Leader Mitch McConnell, hemp is currently a schedule 5 substance. While recognizing the differences between hemp and marijuana was vital for CBD legality, it doesn’t make all forms of CBD oil legal. Let’s take a look at the difference between hemp vs marijuana-derived CBD Oil.

What is the Difference Between Hemp and Marijuana Derived CBD Oil?  

CBD derived from hemp plants compliant with the Farm Bill is legal in all 50 states. That’s because these hemp plants have less than 0.3% THC in their genetic makeup. Therefore, companies can use these plants to extract CBD oil without worrying about creating a formula with psychoactive properties.

Almost one-fifth of the states in our country recognizes recreational marijuana. Based on the guidelines of those states, extracting CBD oil from marijuana plants is legal. Therefore, products in states where recreational marijuana is legal may have a higher concentration of THC than the 0.3% in government-mandated hemp. Consequently, these products may cause psychoactive side effects for the person who is using them. Furthermore, the products may become illegal when they cross state lines.

While hemp got a pass during the new Farm Bill, marijuana did not. If you are purchasing CBD oil in a state where recreational marijuana is legal, check out the label. Make sure the CBD oil comes from hemp instead of marijuana.

To further complicate the situation, states which recognize medical marijuana but not recreational, also allow the extraction of CBD oil from marijuana. Medical marijuana cardholders should always have their card inside their wallet, especially when they are traveling with CBD oil. That way, if you do purchase a product in compliance with your state’s medical marijuana program, you will be in accordance with local laws in neighboring states too.

Full Spectrum CBD Oil Benefits

You must be asking yourself, why bother making CBD oil with marijuana if the plant is illegal on a federal level? That’s because there are therapeutic benefits to the THC molecule. In fact, all 113 cannabinoids in the hemp plant (including THC) are rich in antioxidants, fatty acids, and other micronutrients. Though THC found in CBD products is below .3% and not nearly enough to get you high, having a small amount can still provide benefits.

hemp vs marijuana products

The primary objective of cannabinoids is homeostasis (balance). They enter the bloodstream in search of angst-ridden receptors throughout the endocannabinoid system. Based on the cannabinoids interaction with the stressed-out receptor, the balance gets restored throughout the network.

Cannabinoids love homeostasis so much they try to accomplish this task as efficiently as possible. Studies suggest cannabinoids have a beneficial effect on one another. Dubbed the entourage effect, cannabinoids exhibit a natural synergy. This unique interaction is what makes the benefits of CBD oil possible for millions.  

Not all CBD oil is created equally. To know you are getting all of the cannabinoids, make sure the label says words such as:

  • Full-Spectrum
  • Broad-Spectrum
  • Whole-Plant

These labels indicate all parts of the hemp plant including its leaves, stems, and seeds were used during the extraction process. This means the formula is enriched with a load of nutrients which subpar, fly by night companies may leave out.

How to Get CBD Oil without the THC Molecule   

There are many reasons for someone to be skeptical of purchasing a product with THC. For one, you may have a sensitive endocannabinoid system. Others may be afraid of unknowingly breaking the law. If this sounds like you, you can still experience the benefits of CBD oil.

At Made by Hemp, we produce phytocannabinoid rich hemp oil without any THC. While the THC molecule does exhibit therapeutic benefits, it is not necessarily needed in CBD products, though as highlighted above can prove beneficial. 

CBD products made with CBD isolate are THC free.

Hemp vs Marijuana Uses

With marijuana being abundant in THC, it is mostly used for its psychoactive properties and medicinal benefits. States with laws allowing for both recreational and medical marijuana have laws for when, where and how to use these products.

Hemp, on the other hand, has historically been used for more industrial purposes like clothing, biofuel, food products, paper, and more. With the recent rise in popularity as a supplement, CBD derived from hemp is making this plant popular again, and helping companies like ours to educate more people on the benefits of hemp vs marijuana as a supplement.

Conclusion

Now you know the difference, spread the word! Help others to understand this important concept about the difference between hemp and marijuana. There are many epidemics going on in the world today such as deforestation, sickness and disease, opioid addiction and more which more studies and research could provide insight into how the hemp plant and its constituents could prove important in these issues and more.

Contributed Post. Article originally posted on https://madebyhemp.com/

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How long do negative items stay on a report?

Negative credit report items are automatically removed from your report. When? It depends.

When it comes to your credit health, thinking positively can go a long way. But to truly understand how your credit report affects your credit health, it’s also important to focus on the negatives. That’s because the fewer negative items on your credit report, the healthier it may appear to those evaluating it.

The first thing you should know is the national credit bureau (TransUnion, Experian or Equifax) producing a given report must remove negative items after they’ve been on your report for a certain amount of time. The questions are these: what kinds of negative items and when? The answers are not as straightforward as you may think.

Late Payments

If your report shows a late payment, that payment must be removed 7 years from the day you missed the payment.

Collections / Charged-Off Accounts

If you have an account that has been sent to collections or charged off, it will drop off of your credit report 7 years from the day you missed your first payment, not 7 years from the day the account was sent to collections or charged off.

Bankruptcies

For bankruptcies, the mention of the bankruptcy will generally remain in your credit report for up to 10 years from the date you filed. A completed or dismissed Chapter 13 bankruptcy remains on your file for up to 7 years from the date filed.

Regardless of which type of bankruptcy you file, the actual accounts included in a bankruptcy remain on your file for up to 7 years from the date of closing / last activity.

Inquiries

Though inquiries generally don’t have too much of a negative impact on your credit health, they can be seen as a drag on your creditworthiness if your report lists too many of them in too short of a time frame. Inquiries usually fall off your credit report 2 years after the date they were made.

Public Records, Generally

Civil judgments, foreclosures, forcible detainers, garnishments and attachments generally remain on your report 7 years from the date those actions are filed in a legal proceeding.

Public Records: Tax Liens

Tax liens are a little trickier. Paid tax liens will stay on your report for up to 7 years from the date it’s paid off. Unpaid tax liens, on the other hand, remain on file for as long as they remain unpaid.

To sum up, most negative items remain on your report for up to 7 years. Bankruptcies can remain on your report for up to 10 years and inquiries drop off your report after 2 years. Though the best course of action is to avoid having negative items on your report by paying your bills on time and avoiding too many credit applications, it’s a good idea to know what the rules are. That way, if you have some negative credit report items, you’ll know what to expect and what you can do to work toward healthier credit.

Contributed Post.  

This article was originally published on truecredit.com.

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