Hi all! Frank Coleman here. Thanks for poppin’ in.
I may ramble; I may wax eloquent; I may surprise even me.
What ever transpires here, is meant to stir thought.
“UBU” is my mantra.
I’ll let You-Be-You as long as you let Me-Be-Me.

‘Nuff said.


101 Reasons Having an Attorney Makes Sense

101 Reasons Having an Attorney Makes Sense

Most people have Life Insurance, Auto Insurance, Property Insurance, Medical Insurance, etc. They feel comfortable knowing that if a situation occurs, they can call and file a claim for a covered event.

I came across this old list on the many reasons that people use LegalShield and thought it was still extremely relevant.

I cut and pasted the list below. It’s pretty incredible how the outcome of so many common everyday situations could be changed with the intervention of an attorney.

Unfortunately, people find out too late that they are more likely to need an attorney than admitted into the hospital.

Keep these things in mind and please don’t wait until a situation occurs then find out you don’t have coverage.

All the best.

  1. You don’t understand the difference between a trust and a will.
  2. You don’t have an up-to-date will.
  3. Family members challenge your parent’s will.
  4. Your landlord raises rent in violation of your verbal agreement.
  5. You are selected for an audit.
  6. Your parents die and leave you executor of their estate.
  7. You are tired of hidden cell phone fees.
  8. You do not have a retirement savings plan.
  9. You lose your personal identification.
  10. You receive a speeding ticket.
  11. You are buying or selling your home.
  12. Your driver’s license is suspended.
  13.  You don’t understand your health insurance plan or new legislation.
  14.  Your teenager is accused of shoplifting.
  15.  You decide to change your name.
  16.  Your new washing machine doesn’t wash.
  17.  Creditors threaten to take action against you for your ex-spouse’s debts.
  18.  A neighbor or school reports you for child abuse.
  19.  You adopt a child.
  20.  A friend or neighbor is injured on your property.
  21.  You need child support enforced.
  22.  A friend owes you money and files bankruptcy.
  23.  A caller demands money or damaging information will be released.
  24.  Your car is damaged by a hit-and-run driver.
  25.  You accidentally back over your neighbor’s garbage can.
  26.  A hairdresser damages your hair with harsh chemicals.
  27.  Your car is repossessed unjustly.
  28.  You are subpoenaed or served with legal papers.
  29.  You are called to jury duty.
  30.  Your long drive off the tee injures another player.
  31.  You need a lease agreement reviewed.
  32.  Your son is injured in a football game.
  33.  A neighbor trips over a rake in your yard.
  34.  A jeweler sells you defective merchandise.
  35.  A car dealership gains illegal access to your credit history.
  36.  You are hit by a bottle at a baseball game.
  37.  A tenant falls down stairs and sues you.
  38.  You need help with credit card liability resolution.
  39.  You are injured when you slip on a wet floor in a public building.
  40.  Your livestock trample a neighbor’s garden.
  41.  Your neighbor’s dog barks for hours every night.
  42.  Your teenager gets a speeding ticket.
  43.  Your landlord enters your apartment without permission.
  44.  Your child throws a baseball through a neighbor’s car window.
  45.  You don’t have a Living Will or Medical Power of Attorney.
  46.  Your boat is damaged while in storage.
  47.  Your landlord refuses to refund your cleaning deposit.
  48.  You lose an expensive watch in a hotel and the manager denies liability.
  49.  A speeding car nicks your bumper when your car was parked on the street.
  50.  A merchant refuses to honor a guarantee.
  51.  You have an accident driving your friend’s boat.
  52.  Your spouse claims a right to your earnings.
  53.  A record club sends merchandise after you cancel your membership.
  54.  You are refused service at a restaurant.
  55.  A property manager refuses to rent to you.
  56.  You are denied credit for no apparent reason.
  57.  An online auction goes sour.
  58.  The repair shop threatens small claims court for money you don’t owe.
  59.  Your car insurance is cancelled when your teenager has an accident.
  60.  Your child needs special education in public school.
  61.  You made a sizable gift to charity.
  62.  Angry words result in a slander law suit.
  63.  You need a patent for an invention.
  64.  You need a copyright for your manuscript.
  65.  You are wrongly accused of committing a crime.
  66.  Your right to privacy has been invaded.
  67.  Your car is vandalized in a parking lot.
  68.  A postal carrier slips on your unshoveled walk and breaks his or her leg.
  69.  You have questions about escrow in a home purchase.
  70.  You’re stopped for speeding and a passenger is in possession of marijuana.
  71.  Your teenager wrecks the car and a passenger is injured.
  72.  You care for your elderly parents.
  73.  You receive disability.
  74.  You are cheated by a door-to-door salesman.
  75.  A repairman charges more than a given estimate.
  76.  A creditor tries illegal collection tactics.
  77.  An accident results in a personal injury.
  78.  You are scheduled to appear in small claims court.
  79.  Your new house has bad plumbing and a leaky roof.
  80.  You take a vacation and your room has a view of the trash dumpster.
  81.  A minor is caught breaking into your home.
  82.  You have a fender bender while driving a friend’s car.
  83.  You have liability questions in launching a new business.
  84.  You have a question about an easement on your property.
  85.  Your neighbor’s dog bites your child.
  86.  You have a property line dispute over a newly installed fence.
  87.  You’re asked to testify as a witness to a crime.
  88.  You need a premarital agreement.
  89.  You’re buying or selling a car.
  90.  Your child’s school demands a drug or alcohol test.
  91.  Your bank sends a foreclosure notice after one house payment is late.
  92.  A retail store won’t accept the return of defective merchandise.
  93.  A repairman won’t stand behind his work.
  94.  A trespasser is caught poaching on your land.
  95.  You are leasing property.
  96.  You receive a letter from a creditor and it is not your debt.
  97.  A bank reports bad credit activity unjustly.
  98.  You need advice concerning a divorce.
  99.  You own your own small business.
  100.  You can’t make heads or tails out of the new tax forms.
  101.  Your spouse uses physical force against you.

Get covered today:


Companies have high economic incentive to substitute cheaper ingredients in processed foods, often with significant consequences to the consumer.

What can be done to stop food adulteration?

As it turns out, not much.

We’ll say it again: “If it comes in a box, a bag, a bottle, or a can it’s automatically suspect.”


– Ken McCarthy
The Real Food Channel

MemberStory of the Day – College Apartment Lease

#MemberStory of the Day – College Apartment Lease:

“My friend’s 19 year old son was ready to sign a lease on an apartment for next year at the UofM. She had him send his contract down to the Law Firm and the #attorney called him back yesterday and told him to absolutely NOT sign it. There were dozens of things wrong with it and they were actually doing some illegal things.

Wow!!! If we don’t really know our rights, do we have any? So very thankful to be truly empowered with good legal counsel to make good life decisions.”


Puppet Masters Control the Planet for Their Benefit

Introduction to Ghost in the Machine — A New Article Series That Exposes How Puppet Masters Control the Planet for Their Benefit
By Dr. Mercola

Story at-a-glance

  • Conflicts of interest between government and industry allow dangerous drugs to be approved and aggressively marketed
  • Advertising revenues and industry board members prevent mainstream media from reporting on Pharma corruption
  • Because of Pharma influence in academia and publishing, a lot of health research is biased and misleading
  • The Bill & Melinda Gates Foundation uses its billions to push Pharma’s agenda and GMO crops
  • Natural, safer and less expensive treatments are discredited by mainstream medicine, raising everyone’s health care costs



Food companies hiding harmful high fructose corn syrup under new name
Monday, December 12, 2016 by Amy Goodrich

Big Food is at it again, fooling us with false advertisements to make us buy food we don’t want to consume. Most of today’s consumers are increasingly health conscious and want to avoid products that contain health-damaging ingredients. High fructose corn syrup (HFCS) is one of the substances that has made a bad name for itself.

This questionable sweetener – which is much cheaper than regular sugar, and extends the shelf life of processed products – has been linked to many health problems such as heart disease, obesity, dementia, diabetes, cancer and liver failure. For this reason, many consumers have begun to check food labels and steer away from foods containing HFCS.

But manufacturers have come up with a sneaky way to fool their customers so that they don’t have to change their money-making ways. Instead of removing this cheap, harmful ingredient, they have just changed its name on packaging to conceal it within their products.

What’s in a name?

Big Pharma Tries to Monopolize CBD Oil Market

Big Pharma Tries to Monopolize CBD Oil Market

Story at-a-glance

  • The cannabinoids in cannabis — cannabidiol (CBD) and tetrahydrocannabinol (THC) — work by way of naturally-occurring cannabinoid receptors embedded in cell membranes throughout your body
  • The fact that your body is replete with cannabinoid receptors, key to so many biological functions, is why there’s such enormous medical potential for cannabis
  • South Dakota has rescheduled CBD from a Schedule I to a Schedule IV substance by excluding it from the definition of marijuana
  • GW Pharmaceuticals failed in its efforts to restrict Schedule IV classification to FDA approved CBD products only, which prevented the company from creating a monopoly in South Dakota
  • The legal status of CBD oil as a nutritional supplement is now threatened by drug companies seeking FDA approval for CBD-containing drugs

Read entire article here: