What’s affecting me, my clients and other small-business owners this week.
Fiscal Cliff: Mr. Burns Explains
Bruce Bartlett says the real issue is the debt limit. John P. Hussman says we are already headed toward recession. Brian Lucey has a dictionary of austerity. This is the teetotaler’s solution to the austerity crisis. Some small firms are fretting over higher taxes, but others are actually pushing for increases. Businesses warn of the impact from tax increases on older people. Joan McCarter says small-business owners are more concerned about cuts to entitlements. Capital One Bank finds small-business confidence holding steady. Confused? Montgomery Burns explains all.
Economy: The Most Expensive Year for Gas
Car sales in November could be the highest since February 2008 and light vehicle sales are the highest since 2007. Fracking is helping American crude production rise to its highest point since 1998, but 2012 will still go down as the most expensive year for gas. Richard Richter offers six reasons 2013 may be the turning point for the electric vehicle industry. Construction spending in October (pdf) is 9 percent above the same period last year. The Federal Reserve Bank of Philadelphia’s Leading Index for October is projecting economic growth. US Airways reports strong traffic numbers. The unemployment rate falls, nonfarm productivity is up (pdf), but ADP reports that only 118,000 jobs were added in November. And the Institute of Supply Management’s manufacturing index has slipped into contraction territory. The National Association of Manufacturers reports a sharp decline in optimism. Intuit says small-business employment increased but revenue fell for the eighth consecutive month. Here are 26 economists you should be following on Twitter.
Management: Your December Checklist
Tori Rodriguez explains how to use your ears to influence people. Lewis Edward shares seven ways to work smarter, not harder. Barbara Corcoran has 12 tips for small-business owners, including: “Don’t rush out to get a patent.” Deborah Sweeney has a small-business checklist for December. A guy who spent 15 years in prison now owns a multimillion-dollar company (Dave’s Killer Bread), and three small-business Davids take on Goliaths. Here are 36 great quotations from the late Zig Ziglar.
Your People: Honey Boo Boo
The Dun & Bradstreet Credibility Corporation matches the contributions of full-time employees to a specific college savings plan. These companies are the top small-business job creators in America. Here are three things you should know before hiring an intern. Clare Fenwick explains the real reason that talented employees leave. Barbara Walters thinks Honey Boo Boo is one of the most fascinating people of 2012. Here are six steps for dealing with anger in a high-pressure workplace, including: “Get yourself to the nearest private bathroom.” General managers earn $114,000 on average. Holiday parties bounce back, and Michaela Moloney explains what to do if your party goes bad.
Social Media: Pinterest’s Secret
Here are 101 social media marketing stats to guide you into 2013. Brian Reilly explains how to use Google Analytics to improve marketing. Doug Rekenthaler says that “delayed gratification” is among the dumbest excuses small-business owners use to avoid blogging. Sarah Kolb-Williams believes that blogging is one of three steps to expanding your small business. Ian Cleary suggests five tools to attract a relevant audience to your blog. This video parody shows everything that’s annoying about Instagram. Staples and LinkedIn introduce a small-business group. Lili Beck offers three ways brands can use Pinterest’s “secret boards.” Heidi Cohen shares five Pinterest marketing tips, including: “Skip stock images.” Here are a few best practices for your business’s Twitter account, and here are six ways to use your Facebook timeline for business marketing. The pope joins Twitter!
Marketing: Pizza Hut Perfume?
Here’s how to sell marijuana legally in four inconvenient steps. Pizza Hut offers a limited edition perfume. Here are five tips for optimizing your time and knowledge for better lead generation. Yaseen Dadabhay offers a reminder that you are responsible for marketing your own business: “No one — and especially not the marketing agency — is as passionate about your product as you are.” Get ready for ads that follow you from one device to the next. Have you considered these nontraditional ways to use stickers to make your business popular? NPR asks what’s next for daily deals?
Cash Flow: Pink Slips
Small-business lending picks up but many continue to be unhappy with the banking industry. Citigroup cuts 11,000 jobs. Here’s a one-hour webinar about crowdfunding, and Ed Norton’s crowdfunding service takes fund-raising to the masses with a light and funny attitude. A new online lending platform is introduced by a leading provider of small-business working capital. Here are five small-business apps that promise “stellar” financial management. Participation in retirement plans remains low among small-business owners.
Starting Up: Where Ashton Kutcher Invests
Tim Berry has some thoughts on trying to start two businesses at once. Ashton Kutcher invests in seven types of tech companies. The next frontier for start-ups will be the local neighborhood, but Mary Meeker says the future is all about the wallet, education and health care. Here are nine tech trends that will make someone billions of dollars. Here are 11 intriguing start-up founders. Y Combinator cuts its start-up class size, and Nick Leiber writes about whether budding entrepreneurs can improve their start-up odds by saying yes to college. Marc Andreessen says not every start-up should be lean. Dan Lyons sheds no tears for start-ups that can’t raise more money. Scott Gerber believes that Bravo’s “Start-Ups: Silicon Valley” is bad for entrepreneurship. Jake Finkelstein says that advertising your start-up is a bad idea. Yahoo acquires a tiny mobile video-chat start-up.
Around the Country: Men
The University of Southern California and Verizon are hosting a forum in Los Angeles to discuss how to help small businesses become more sustainable. A University of California, Davis study finds California company leadership is still dominated by men. Jay-Z takes the subway (and introduces himself to a non-fan) en route to one of his performances at the new Brooklyn arena. Sam’s Club is the latest big business to jump on the small-business bandwagon. Small-business owners in Montana say they need more customers to help them create jobs and that big corporations pay less than their fair share of taxes. There will be a franchise expo in Miami in January.
Around the World: Manufacturing Contracts
Even though global shipping reached a record volume, euro-area manufacturing contracted for the 16th straight month. Manufacturing contraction eased, however, in Britain. A bank and a technology cluster aim to help entrepreneurs in Greece. Clean-burning stoves in Mozambique lure big investors. This is how companies like Google and Amazon minimize their European taxes.
Red Tape: More Health Care Fallout
The Small Business Administration is prepared to counsel small businesses harmed by the National Hockey League lockout. Small employers are weighing the impact of providing health insurance, and the Cheesecake Factory’s chief executive warns that the Affordable Care Act will be “very costly.” Greg Anrig wonders if the states can sabotage the plan. Deanne Katz says that failing to get a license is one of five common legal mistakes that entrepreneurs make.
Technology: Printing Guns!
Google decides to charge businesses to use Google Apps. Don Reisinger thinks employees are to blame for the war between iOS and Android in the office. A report shows that one in five employees uses Dropbox for work documents. Evernote releases a business application. A 3-D-printable gun part fails on the sixth shot. Bruce Temkin explains why some Staples employees refuse to sell computers to their customers — but the office supplier does plan to offer in-store 3-D printing soon. These are the 15 most overpriced gadgets of all time. Bob Lefsetz shares a list of things everybody knows, including: “Creating an app is a waste of time.” Lewis Black is too tired to scream about technology. Tim Cushing explains how software piracy in developing markets creates new customers. Here are three gifts to interest girls in engineering. This is the only sensible way to stack Tolkien’s work in a bookstore.
Tweet of the Week
@ValaAfshar
“we have Twitter, we’re a social business” is like “we have an oven mitt, we’re a gourmet restaurant”
The Week’s Bests
Ryan Derousseau compares your ability to innovate to “The Nutcracker”: “I question why people really go to ‘The Nutcracker.’ Is it because of the choreography or because it has become a staple? Do they leave with enjoyment and excitement or leave with a ‘Well, I can check that off my list’? I would argue the first portion should always be the goal, but the latter is reality. And it goes the same in business. Are people leaving your company or service with a ‘Well, we got that done’? If so, it’s not likely to lead to repeat business. Instead, make them thrilled for coming. Make them hunger for more help. Make them want to come back. Because until you’re as old as ‘The Nutcracker,’ you will need repeat business to survive.”
Charles Fishman celebrates the recent insourcing boom: “Oil prices are three times what they were in 2000, making cargo-ship fuel much more expensive now than it was then. The natural-gas boom in the U.S. has dramatically lowered the cost for running something as energy-intensive as a factory here at home. (Natural gas now costs four times as much in Asia as it does in the U.S.) In dollars, wages in China are some five times what they were in 2000 — and they are expected to keep rising 18 percent a year. American unions are changing their priorities. … U.S. labor productivity has continued its long march upward, meaning that labor costs have become a smaller and smaller proportion of the total cost of finished goods.”
This Week’s Question: So who started on Twitter first, you or the pope?
Gene Marks owns the Marks Group, a Bala Cynwyd, Pa., consulting firm that helps clients with customer relationship management. You can follow him on Twitter.
I have no bank account, and the card is a capital one credit card. I am wondering if I can pay it off with cash, or a money order. Also does anyone know where I would send the money order to. There is no Capital One bank near my home.The amount owed is 15 dollars, but I plan to send 40.
I deposited my refund check last Friday, I was a little miffed that it hasn’t cleared yet. I thought 2 to 3 business days is the standard clearing time. I use Capital One Bank if that makes any difference.
What would happen if one of the credit card issuers such as Capital One Bank, Discover Bank, or American Express went out of business
I mean i’m wondering say if capital one bank went out of business like other banks have recently would one of the other credit card companies just turn around and buy them or would visa
The question says ” About your capital: Bank Account – Current
What is the value of this capital?”
What does this mean :S?
Thanks
.
I do not have a capital one bank account but I got a notice from them. What if i just got a letter from a capital one bank with my name but the middle initials does not match mine? The letter is saying that I owe some money what can I do? Please help me resolve this matter.
I tried enrolling in online banking with capital one and it keeps telling me my information is wrong. I use the credit card number as the account number, and i enter the last 4 digits of my social security.
Thanks I’ll wait for my first statement and then try to enroll. And I hope your kidding when you ask me to give my information cause thats not happening
I live in VA right now, but moving to FL.
I’m going to be a senior in hs.
Capital One, Bank of America, Suntrust, Wachovia. Or if you know any banks that there aren’t really issues about, I would love to hear your opinion. Thanks in advance for your time.
I want to settle an account with capital one bank for a credit card that I had in 2002, but I’m curious what may show on my cedit report. I know that it will show settled account . But I want to know will my balance say 0 or will is say the remaining account that would still be left?
Capital One Bank – sent a letter by mail, threatening to take the amount owed from my taxes, tax rebate.
I have my bank book and school ID and I’m wondering if that is good enough to take a withdrawal from my account. I’m in New York and go to Capital One bank If it matters.
I’m planning to sell my house for around $130K and was thinking opening an account that pays me interest (Capital One banking for example is at 4.30 apy)
I want to know how this work with any bank, do the interest accumulates monthly or once a year. How much interest should I get and how is calculated?
Capital One Bank is offering a great bribe if I open an account and make a direct deposit within 90 days. I am self-employed so I don’t have a paycheck I can direct deposit. Can someone else make a direct deposit, or would it be difficult to get my bank to set up a direct deposit? For $100 bribe it’s worth some effort, but I can’t spend a whole lot of time on it.
Thanks for your ideas.
Houyhnhnm
I opened a Capital One Interest Online Checking account and I was wondering if anyone can share their experiences with Capital One as a deposit account holder. I know they are well known for their credit cards. What are your thoughts on Capital One Bank?
I am with Capital One bank. I both having savings and checking with them. I was wondering how long would it take to transfer my savings to checking account.
I need the money in an instant. I heard that online transfer take up to 7 business days, and ATM, you can’t process. So my only option is from the bank teller. But I need to know how long.
And what is the limit per transfer? Also, what ID do I need to bring with me?
I’m talking big banks like Chevy Chase, Capital One, Bank of America, Citibank, and other banks like those. Please just a ball park estimate.
Credit crunch means shortage of capital? Banks either won’t lend or do so at exhorbitant interest rates, yet they and the Government (bonds) offer depositors less than 2%. Can anyone explain the paradox?
My understanding of the law is that the two elements are inversely proportional as to the resultant price. Are you saying that a Government (not mine) with a trillion dollar deficit has more money than it needs?
I bought a CD through Scottrade for $12,000 at Capital One Bank for 2 year term. Nothing on the page indicated that it was anything other than a traditional CD purchase. Now, my balance is $11,931. There are no fees to purchase the CD. It’s in a tax free account. So why is my CD less than my principal now?
I have an internship for this small venture capital / merchant bank this summer. It’s an intern analyst position. I was wondering in the future if I go to like Wells Fargo or Smith Barney, would they hire me as a financial analyst? I have a liberal arts degree… I would like to get a MBA but I need work experience and college tuition reimbursement.
Is it the capital structure? many banks offer different rates, why? Is it their level of risk and is this in any way related to their capital strucure?
I have an issue with Capital One bank. They need me to go to a local bank to verify my identity before they can activate my credit card. I would like to know did anyone successfully walk in to any local bank like Chase or Wells Fargo to do a visual identification check for capital one?
I have excellent credit history and many other credit cards.
No, they meant any local bank. I think I should call my bank first to see if they will do that.
I am thinking about this bank for CD, but I dont know much information about them. I dont want to risk my money if I dont know anything about them. Besides them, I think about HSBC, capital bank, bank of america, but they are low interest. Amtrust direct is higher than those banks. But somebody give me more information about amtrust direct please? IS IT SAFE for my money?
Thanks
Is Capital One one of the best banks in the business? How does it compare to the other banks? It it top-notch or does it simply pale in comparison to the other banks?
http://dealbook.blogs.nytimes.com/2009/03/09/citi-chief-defends-banks-financial-strength/
Suddenly, there is no talk of tier 2 capital and bank stress tests this week. How can Citibank say they are financially sound and making a profit a week after the government takes a 37% interest in the company? Where is the clarity and leadership from Washington?
I have heard mixed reactions regarding capital one (bank, not the credit cards) and it has put me off opening the rewards checking account. But I really want to open it. So any suggestions about if I should or shouldn’t?
I want to work as a part-time teller while attending college. Would you recommend Chase, Citibank, Capital One, Bank of American, or any other bank you can think of?
can you tell me about Capital Bank Of Scotland PLC?
I lost my State ID a week ago, and I wanted to replace it online on the DC DMV site, however it’s required for my State ID number and I don’t know it. I used the state ID to open a Capital Bank account. If I go to the bank would they be able to give me a paper copy of my state ID if I ask for it? Or my state ID number?
Im new to this I read online it would be best to have a savings and checking account and I would like to know some answers to these questions. What specific accounts should I open? How will they benefit me? Are there fees? And which Banks in the Long Island Area (The closest bank to me is a Capital One Bank, and a Chase Bank) are the best for me?
I’m a freshman in college, I’m only 18 and before I graduated high school I had goals of becoming financially stable, to save money to never have to worry about money. Long story short, I blatantly did things I shouldn’t have done and handled my bank accounts the wrong way. For two of the checking accounts, it was my fault I over drafted. Then I opened up a credit card, I started off responsible with it, somehow I managed to go over the limit and now I can’t make the minimum payment on either of my credit cards. I just got a job so I can start making payments soon. I also have a financial aid bank account that was overdraft for freakin TWO DOLLARS from a non swipe and sign fee… now they won’t stop calling me, it’s harassing. What can I do? I don’t want to go to jail or anything, my capital one bank account just got charged off saying I owe money and I can’t pay it right now what can I do??
I manage my money at coast capital bank, but a representative at a different bank offered to get me an interview if I’d like a job there. I’m 18, and this bank often hires university students to work as tellers. Then he told me that I need to “create my profile”, what does that mean, an account?
I have a civil suit against me from capital one bank, I just need any advice I can get.
Can I still make payment arrangement with the company before the court date?
What about statue of limitations, how long do they have before they can sue?… Any advice would be helpful.
The capital in banks is surplus generated by the efforts of the working class, and it belongs to all of society, not to private capitalists. So it is only right that a democratic government invest our capital on our behalf for public benefit, not private gain.
wells fargo? chase? capital one? bank of america? other ones?
RBC need $20 billion on capital
Bank of America profits are down 64% this month?
Citigroup is writing off 2.0 billion dollars?
BEar Stearns emerges bigger and better with China’s money
Lehman is in trouble?
Oprah sells more books than ever?
Obama makes 3.8 million with his book alone?
Hint Hint his greatest supporter is Oprah.. Books Oprah?
Any questions.
All Obama supporters and perpetrators of the Sub Prime Debacle.
My sister, who is overseas atm, tried to open up a Gardener White credit card so she could buy her children’s beds and the Gardener White denial said something to the effect of “the address provided did not match the address on your credit report” and the GE Capital Retail Bank said “high risk source of application”. We just want to know what the latter means as I can’t find a solid source! Thanks
Do we need to take into consideration the working capital required for the project and the bank finance for that, while calculating the Project IRR?
Please give an example.
Hello,
I need to find information about 25 American banks that failed in 2008. I need information such as who their auditor was, what the audit opinion was for the 2007/2008 year and their volatility. I’ve tried to look in all of the usual places as well as several of my schools data bases. I also have access to Bloomberg Terminal and there was no information there either.
Does anyone know where I can access this type of information about private companies?
Just to name a few of the companies that I’m looking for – Barnes Banking co., 1st Centennial Bank, Nexity Bank, San Joaquin Bank, LibertyBank, Columbian Bank and Trust Co., First Banking Center, Atlantic Southern Bank, First Georgia Banking Company, Century Bank FSB, Rainier Pacific Bank, Colorado Capital Bank, Peoples Community Bank, First National Bank of the South, Community Bank, Teambank, Darby Bank & Trust Co. etc.
Just access to their financial reports or the auditor reports would be WONDERFUL.
I’m just wondering if there’s a math test or anything I need to prepare for. A friend of mine applied at another bank & had to go through some tests
I got my first credit card with Capital One bank which charged me 39 dollars Membership fee for a year. My friends said that this credit card company is not good. Since I have already paid that 39 dollars, and this credit card is easier to get. Should I just use this card for a year and then see if i can get a better deal from capital one or other credit card companies. Is this a wise decision? Does any body have other suggestions?
I have multiple business ,shares capital ,bank account and credit card etc.
Now need a very effective accounting software.Please let me know about this..
Lets say i have a 300$ check, the check was issued by M&T Bank, and i bank at capital one bank. If i went to the M&T bank will they be able to actually CASH that check for me because that is the bank on the check? If i went to my bank i would have to put it in my account which takes a couple of days to clear.
I have a couple of cards: Capital One, Bank of America, Best Buy Store Card, Best Buy Mastercard, and a Guitar Center Card. Of them all after I pay the balance, I’d like to get rid of my Capital One card (hate it and at 22.80% interest) and the Best Buy MasterCard. All the others I wish to keep. Will this have a huge impact on my credit score ? I’ve had my capital one card for nearly 2 years now and I’ve have my Best Buy Master Card for about 3 months and I’m almost done with payments on the Best Buy card.
I really enjoy working @ my job (retail-target) because of the ppl and outcome sastifacion I can give with my skills. But even though I do a good job, have time there, they don’t seem to value you as an employee. I have a capital one bank teller interview (downton ny) planning to quit my job if I get the job or other. My question is what is the pro and cons of both, retail vs bank .
I got served for a 5,000 capital one bank debt so i have to respond within 20 days. Do i type a letter stating my case
is that a “response”?
BTW i am 20,000 in debt & will file for bankruptcy but do not wanna be garnished for these debts so i have to have a response?
I dont wanna pay an attorney so will defend myself Pro Se.
Charlestown is allegedly the capital of bank robberies in the United States, as depicted in the movie, “The Town.” Is there any record of how many have actually occurred?
I use my yahoo browser to get capital one bank but when I get the site, I can’t log on it clicks me off. No problem from aol it goes right to the site and I am able to sign in.
I am talking about my capital one bank account i recently gotten it and and usually take it on a piece of paper because i don’t relly remember the number and now i can’t find the piece of paper and i am afraid i left it at the bank where someone could just usually take it and withdraw money. becacuse usually the teller doesn’t ask for my id ( i am serious.).
I am a college student and I plan to work at Capital One Bank because it’s near at my house. I wonder how much is the minimum wages. Also, is it harder to apply if you don’t have any experience?
Location: Dallas, Texas
Thank you. 10 points.
I’ve had my capital one card for a few years and I always pay the bill online. A few days ago, I saw a capital one bank for the first time ever. I wanna know if I can just pay my bill there in cash even though I don’t have a checking account with them.
I will be a full time teller at capital one bank in Long Island NY. This is my first teller job but I have five years of cash handling and customer service experience. I am also a full time college student.
I have not discussed salary yet but I want to know how much to expect. I do not want to be taken advantage of but I also do not want to ask for too much?
A friend of mine just starting a franchise restaurant in Jan and has been running in the red since then. The problem is that he is about $3k in the red per month, but only has about $15k in working capital in the bank. He already used his house to get the SBA loan to start the place and the startup was a lot higher than his franchise told him. Apparently they aren’t helping him much, so he is stressed as to how he can get some quick capital and survive through the year.
be the Capital One Bank credit Card spokesperson at the same time? Is this Liberal idiocy and hypocrisy at its best?
I was recently offered a position at capital one bank but then they said that i needed to go through background check, drug test and a CREDIT CHECK! I’m scared I won’t get the job because my credit score is 571 and I’m not sure what to think. Please give me some advice in order to get through this.
I’ve been wanting to cash a check & can’t seem to find any capital one banks around San Francisco. Please HELP!
I am being sued by Capital One Bank. But the amount is only $1300. They have an attorney and I know that it would be cost prohibitive to hire one. Any suggestions?
I see a lot of ppl saying they can check their bank website to see their refund as pending well this is my 1st filing and I use a Walmart card and my dd is tomorrow so do I just keep check their card site to see if its pending? I know the bank that the cards are with is call ge capital retail bank idk just want to know
my issue is i live in hawaii now but i grew up in texas. i have capital one banking which doesn’t have branches in hawaii. how can i get 6000 in cash to pay for a car (from a friend) when my banking branch isn’t here? can i go to another bank and talk to them?
Can a person cash a check for someone else if they have capital one as their bank? I know some banks allow this to be done, while others do not. Someone please let me know.
There’s a capital one bank commercial with a sonq playinq that sounds like a chorus of qirls. Does any1 know the name of it? Is it even a real sonq???
Since today is my 16th birthday I decided to do what all 16 year olds do: Get a job.
Mind you, I already teach swimming lessons and umpire so I have sporadic pay checks, and now as a cashier I will have a more steady income and I wanted to start putting my money away. Out of all the national banks (Capital One, Wells Fargo, Bank of America etc etc, list ones you have had success with if none of these fit) which would you recommend and why? Thanks so much.
Hello. My father owns (or owned, I’m not sure. Keep reading please) 25% of a prosperous Texan LLC company. My brother owns 50% and his wife 25%. But these two weren’t happy. Since early 2012, my brother clearly stated he wanted my father’s share. He wanted it as a gift. My father didn’t like the idea. He’s 77. He’s a person with a very basic instruction. He doesn’t understand a single word of English. He suffers from cancer and is taking chemotherapy sessions every 5 weeks since march, 2012. He was afraid of my brother giving him some document to sign where my father yielded his share of the company. And it happened. On February 2013 my father ingenuously signed a Power of Attorney, in English, that my brother sent to him, to Mexico, where my father ALWAYS has resided. It was until yesterday that I knew that fact. Now, I have a copy of that POA. I think (let’s say I hope) maybe that POA has no validity, because they have sent my father a new POA for him to sign!! This time, my father, before signing, ordered to send me this new POA by email, asking me to translate it and say him what it was about. This new POA is a Durable POA, and it seems even more “aggressive” than the first one. It includes a warning for the principal, and a warning for the agent. It has many new provisions and some old provisions have been “enhanced”. For instance, one provision added: “Capital One Bank will be held harmless of any action taken while relying on this document”.
This new POA seems more “professional”, while the first one looks, to my ignorant eyes, awkward. The new one fills 10 pages, while the first one fills just 2. The first one begins with: “Juan Perez, hereinafter referred to as PRINCIPAL, in the county of SomeCounty State of Texas, being of sound mind do(es) appoint Pedro Perez as his (her) true and lawful attorney-in-fact”, while the second one begins with: “I Juan Perez, residing at XXX SomeStreet, SomeCity, Texas XXXXX, hereby appoint Pedro Perez of XXX SomeStreet, SomeCity, Texas XXXXX, as my attorney-in-fact (“Agent”) to exercise the powers and discretions described below”. (Both addresses are exactly the same. My father NEVER has touched their house).
The first POA is supposed to be aknowledged by someone claiming to be notary public. That same person is supposed to sign the new POA as “Bookkeeper”.
Both POAs authorize my brother to make gifts “to the principal’s family members”. Besides the said 25% share, my father has a considerable estate in Mexico.
I have many questions:
How can I know if my father’s share continues to be of his own?
Does that awkward, signed POA have any validity?
An american POA has validity in Mexico or Spain?
What can we do to revert any wrongdoings they may have done?
What crimes are they committing by such behavior?
Do my father’s age and medical condition aggravate such crimes?
How and where can we file a claim?
I can provide every detail you need. Any advice will be really, really appreciated.