The great state of Oklahoma is known for two things: Truck accidents, and the truck accident lawyers who fight against them.
But if you're in Oklahoma and you get hit by a truck, as Oklahomans tend to do, how do you make sure that you have the best truck accident lawyer in Oklahoma on your side? No need to fear, you're in the right place (unlike the Oklahoma truck driver at the moment they crashed into you). These are some of the hottest Oklahoma truck accident lawyers in the biz, and they're just a phone call away, ready and willing to take your case!
Considered by some to be the bad boy of Oklahoma truck accident lawyers, David Bernstein moderates over 250 focus groups at Focus Group Oklahoma, which is kind of like being in a motorcycle gang except more lawyerly. Feared by reckless Oklahoma truckers for his icy gaze and professorial knowledge of personal injury law, David secretly has a heart of gold, spending his free time feeding the hungry with the nonprofit charity he co-founded, Lawyers Fighting Hunger.
Some call her a "prodigy," others say a "wunderkind." But even after being knighted as a "Top Young Professional Under the Age of 40 in 2019," Jordan Klinger clung to the only title that really mattered: "Professional." With a background as an insurance defense attorney, Klinger possesses the unique ability to read the minds of her insurance company opponents in cases related to Oklahoma truck accidents, calculating and destroying their moves before they can even make them.
There's a saying whispered outside Oklahoma truck stops and courthouse-adjacent bars: "You'll never see the Full Monty coming." Those who tell such tales are, of course, referring to Oklahoma truck accident lawyer Monty L. Cain. As the legends go, Monty was a normal petroleum industry worker until, one day, he fell into a vat of toxic petroleum, giving him the ability to transform into a gaseous state and an undying vengeance against Oklahoma truckers who accidentally hit people. The accounts are entirely unconfirmed, but one look at Monty and you'll know it in your heart to be true.
Always pictured in front of hundreds of books, Gonzalo Fernandez is sometimes said to be the most well-read Oklahoma truck accident lawyer in the world. Fluent in both English and Spanish, and touting an M.B.A. degree alongside his J.D., one could ask Gonzalo any question about law or business administration and expect him to know the answer off the top of his head.
He might be named James F. Self, but with him on your side, your Oklahoma truck accident enemies will be the only ones getting F'd. Sometimes referred to as "The Wizard," F. Self is a man said to have an innocuous presence that masks limitless power. A near-supernatural ability to stay abreast of changes in the law allows F. Self to defend clients against all sorts of personal injury, from medical malpractice to dog bites. Think of F. Self like the Tank Man of Tiananmen Square, one brave man against an army of accidents.
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When you take out a loan for a car, charge something to your credit card, or get a personal line of credit, there is going to be an interest rate that applies to your loan.
A lot of different factors go into what you will be charged, including your own personal credit score. But even those with flawless credit still see a minimum charge that they can't get around. That all goes back to the Federal Funds Rate.
One thing consumers rarely realize is that all of our banks are lending money to each other every night. Banks are legally required to maintain a certain percentage of their deposits in non-interest-bearing accounts at the Federal Reserve to ensure they have enough money to cover any withdrawals that may unexpectedly come up. However, deposits can fluctuate and it's very common for some banks to exceed the requirement on certain days while some fall short. In cases like this, banks actually lend each other money to ensure they meet the minimum balance. It's a bit hard to imagine these multibillion-dollar financial institutions needing to borrow money to tide them over for a bit, but it happens every single night at the Federal Reserve. It's also a nice deal for those with balances above the reserve balance requirement to earn a bit of money with cash that would normally just be sitting there.
The Federal Reserve
The exact interest rate the banks will charge each other is a matter of negotiation between them, but the Federal Open Market Committee (FOMC) (the arm of the Federal Reserve that sets monetary policy) meets eight times a year to set a target rate. They evaluate a multitude of economic indicators including unemployment, inflation, and consumer confidence to decide the best rate to keep the country in business. The weighted average of all interest rates across these interbank loans is the effective federal funds rate.
This rate has a huge impact on the economy overall as well as your personal finances. The federal funds rate is essentially the cheapest money available to a bank and that feeds into all of the other loans they make. Banks will add a slight upcharge to the rate set by the Fed to determine what is the lowest interest that they will announce for their most creditworthy customers, also known as the prime rate. If you have a variable interest rate loan (very common with credit cards and some student loans), it's likely that the interest rate you pay is a set percentage on top of that prime rate that your lender is paying. That's why in times of low interest rates (it was set at 0% during the Great Recession), a lot of borrowers should go for fixed interest rate loans that won't increase. However, if the federal funds rate was relatively high (it went up to 20% in the early 1980's), a variable interest rate loan may be a better decision as you would be charged less interest should the rate drop without the need to refinance.
The federal funds rate also has a major impact on your investment portfolio. The stock market reacts very strongly to any changes in interest rates from the Federal Reserve, as a lower rate makes it cheaper for companies to borrow and reinvest while a higher rate may restrict capital and slow short-term growth. If you have a significant portion of your investments in equities, a small change in the federal funds rate can have a large impact on your net worth.
Whether you're leaving a job involuntarily, departing for something new, or just want to prepare for the unknown, it is smart to understand all your options regarding your 401k.
Frugal gifting often gets a bad reputation. However, this shopping method does not make you cheap — it makes you practical. Frugal gifts often avoid waste and overspending and can be just as meaningful (if not more so) as any other present.
With the National Retail Federation predicting each consumer this holiday season to spend upwards of $1,000 on holiday gifts amidst an economic recession —this year might be the perfect time to reconsider your spending budget. We've formulated the ultimate list of frugal gift-giving ideas to get you started.