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Ohio General Law Blog

Getting an SBA loan

Loans that are backed by the United States Small Business Administration offer many features that entrepreneurs in Ohio may find very attractive. There are a wide selection of loan options, smaller down payments, competitive rates and terms, longer repayment periods and guardrails for going through the loan process. However, it is important that small business owners do their research and understand exactly how SBA loans work.

Almost any type of business that is in operation and provides a service or product can apply for an SBA loan. The money is not directly loaned by the SBA to small businesses; the only way a business can obtain such a loan is by going through an approved lender. The SBA serves as a guarantor for the loans and establishes guidelines, two factors that lower risk for the lenders.

What happens in a "gray divorce"

Ohio couples who are 50 and older may be more likely to go through what is known as a "gray divorce", the phenomenon of older adults ending their marriages. While divorce rates in this age group used to be much lower, since 1990, they have doubled. However, researchers say that gray divorce can put the health of older people at risk.

Some older people may have conditions such as Type 2 diabetes, high blood pressure or heart disease that worsen under stress. Depression and anxiety can be factors in insomnia, alcohol abuse and overeating. Social isolation is also a health risk, and men may be particularly likely to suffer from this since planning the couple's social life was often the woman's job. Since women are often paid less and may have stayed home to raise children, they might find themselves struggling financially after divorce, even to the point of being unable to afford necessities.

Angel investors may say yes when banks say no

Entrepreneurs in Ohio and around the country sometimes turn to angel investors after trying unsuccessfully to obtain funding from traditional lenders. Angel investors, like venture capitalists, tend to take a more liberal approach to risk assessment, but they generally expect the loans they make to be repaid within five years. While the interest rates charged on loans not obtained from conventional sources are usually high, angel investors and venture capitalists often provide business owners with valuable advice and coaching in addition to financing.

Many angel investors choose to only make loans to companies that operate in business sectors with which they are familiar and have a demonstrable track record of success. This means that they can provide entrepreneurs with the benefits of their experience, but it also means that they may be unimpressed with business ideas that have not been properly developed or rely on questionable assumptions.

The ways that cancer is diagnosed

Ohio residents may be curious as to what the usual ways are to diagnose cancer. It all begins with patients having a screening test done, and if the results of the test suggest cancer, the doctor must determine the cause for good. This involves asking patients about their personal and family medical history and having them undergo a physical exam.

Blood, urine and other bodily fluids can measure the level of certain substances in the body, and when these substances are present in high or low levels, they are a strong indicator of cancer. For this reason, patients can expect to undergo lab tests for these fluids. Lab tests alone will not diagnose cancer, though.

Identifying OB-GYN malpractice

An annual visit to an OB-GYN is common among women in the United States. Women should expect their doctor to have the training and knowledge to effectively care for a patient. There are unfortunately situations of OB-GYN malpractice, leaving some women in the hands of a negligent doctor.

OB-GYN malpractice can endanger lives, health and fertility. If you or someone you know has suffered an injury due to a physician’s mistakes in prenatal care, an experienced medical malpractice attorney can guide you through the process of seeking compensation for your injury.

Misdiagnosis can affect outcomes for unconscious people

When people in Ohio have loved ones struggling with brain injury and resulting minimally conscious or vegetative states, they may be interested in any possibility that could improve the likelihood of improvement. Accurate diagnosis and access to modern care based on science and evidence could make that possibility more likely. New guidelines for care in these cases were issued by several leading authorities, including the American Academy of Neurology, American Congress of Rehabilitation Medicine and the National Institute on Disability, Independent Living and Rehabilitation Research.

The published guidelines note that around 4 out of every 10 people who are thought to be unconscious or in a vegetative state are, in reality, aware. In many cases, people face the risk of misdiagnosis because of a combination of factors and conditions that could hide the reality that a person is actually aware. Misdiagnosis in these cases can be significant, as inappropriate treatment and care decisions can be made when people are falsely believed to be unconscious. Family members may remove treatment and physicians may not recommend rehabilitation, leading to severely worsened health outcomes.

Study shows many patients feel rushed during visits with doctors

Researchers have published a study on how clinicians treat their patients during initial consultations. Ohio residents who feel like their doctor is always rushing them during their visits will find out that they are not alone. As part of the study, researchers from the University of Florida analyzed 112 videotaped consultations between patients and their medical practitioners that occurred from 2008 to 2015. These were recorded at clinics from across the U.S. In 36 percent of these consultations, doctors invited patients to set the agenda with a simple question like, "What can I do for you?"

However, patients were interrupted an average of 11 seconds into their explanations (those who were not interrupted finished after six seconds on average). Interruptions, when respectful, can help patients focus and clarify the points they are trying to make, but this is hardly possible if the conversation has just begun.

Divorcing women often caught off guard by financial surprises

Almost half of all divorcing women in Ohio and across the U.S. encounter unpleasant financial surprises during divorce proceedings, according to a new study. Divorce experts back up the study's findings, saying they frequently work with women who are caught off guard by financial issues when negotiating their divorce settlements.

For the study, which was conducted by Worthy, 1,785 women going through different stages of divorce were polled about financial issues. The women were either in the beginning stages of divorce, in the middle of a divorce or already divorced. Around 22 percent of the study participants were age 55 or older. Of that group, most had already completed the divorce process. The study found that 46 percent of the participants encountered nasty financial surprises during the divorce.

Tips for creating a parenting schedule

When parents in Ohio get a divorce, they will need to work out a parenting schedule. There are several things they can do and avoid to make this schedule work for them and their children.

The parenting schedule must be child-focused. This means that parents should think about how they would feel if they were in their children's place. However, parents also need to look at logistics including their own work schedules and keeping the same child care provider. Parents need to keep children's extracurricular schedules in mind. They may want to involve older children in the creation of the schedule. Parents who are concerned about how this might play out should remember that asking for the children's input does not necessarily mean they must follow their wishes. There may need to be extra consideration for children with special needs.

Medication errors that qualify as medical malpractice

Medication is meant to relieve our symptoms and prevent illness, but that’s not the reality of it for all patients. If a doctor, nurse, pharmacist or care provider prescribes or administers medication incorrectly, they may have committed medical malpractice.

Unfortunately, there’s opportunity for medication errors to happen in pharmacies, hospitals, urgent care facilities, assisted living homes and nursing homes. There are also many points in which an error can occur within the process of prescribing, filing and administering medication.

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