| Volume 104 Number 4 |
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The People’s Lawyer’s Tip of the Day
Never give your social security number to someone you do not know. Identity theft requires a social security number. Protect yours.
For more general information about the law, check out my website.
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Health Insurance Questions & Answers
Don't have health insurance? If you're without employer provided health insurance, Medicare, or Medicaid, you may need to use the Affordable Care Act's health insurance exchange to get coverage. Open enrollment starts November 15th!
If you don't have health insurance, you probably have a lot of questions about how the process works. Thankfully, the health insurance marketplace has gotten much easier to navigate. In fact, many consumers are even saving quite a bit of money. However, as with anything relatively new, questions will arise. The New York Times has you covered with an extensive list of frequently asked questions and their answers.
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Stores Begin to Release Black Friday Ads
On Monday, Target released its Black Friday ad early. Eager shoppers raved about the sales and quickly shared the ad on various social media platforms. A 40" Element HD television for $119 and Beats headphones for $97 lead the Target doorbuster sales.
By Tuesday, when Best Buy released its ad, it was clear Target would have some stiff competition. For $199, shoppers can grab a 50" Panasonic television. Like Target, Best Buy will offer Beats headphones for under $100.
The deals don't end with televisions and headphones. Stores are deeply discounting many popular toys, electronics, and appliances starting Thanksgiving night. Best Buy will open at 5PM and Target will open at 6PM.
To check out Black Friday ads as they're released, click here. To read about the sales,
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Your Money
How much will an auto lease really cost?
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For the Lawyers
Spouse is not necessarily bound by an arbitration agreement signed by her spouse.
After a defective electric golf cart allegedly caused a fire in the spouse’s home, she sued the seller of the cart. The seller moved to compel arbitration, based on a clause in the purchase agreement that only her husband executed. The seller first argued that she was equitably estopped from avoiding arbitration. The Fifth Circuit disagreed, because her claims were not based on the purchase agreement nor “intertwined” with the purchase agreement (she claimed negligence). The seller also argued that she was a third party beneficiary of the purchase agreement. The court found “the spousal relationship alone does not make [the spouse] a third party beneficiary to the contract.”
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