attorney for thirty nine years and serves both individuals and small business owners with their legal needs including a variety from litigation all the way to d w i criminal and as well as real estate law jim welcome to the show thank you very much pleasure to be here have been thank you so much and right now i know that a very big problem that i don't think anyone actually addresses before it happens is dui so tell me wh curiosity's what is the difference between d w i in dui because we hear both terms knocked around d w i is driving while intoxicated did you i was driving under the influence do you why is the offense in new jersey and is how big a problem is drunk driving drunk driving is a tremendous problem the c d c estimates that over twenty eight people a day drive in traffic fatalities as a result of alcohol that's every day last year one point one million people were arrested for drunk driving that's approximately one percent of all the licensed drivers in the nation so it's a substantial problem so using twenty eight people a day that really translates to twenty people families living their loved ones daily what is new jersey's response as a state new jersey has some of the most severe drunk driving laws of any state in the nation for a first  offense you can get either a three month or seven to one year month seven month one year suspension in addition there are court fines there are motor vehicle penalties there's also a requirement to attend the toxic a driver school so the penalties are complicated and they can be enhanced if for example there's a second offense involved we all know that the ultimate price of drunk driving is injuring or killing both yourself and anyone else that might be an unfortunately in that collision well let's talk about the dollars and cents because so many people think not only is it not going to happen to me but i'm never going to hurt anyone to kill anyone else what is the dollars and cents involved if you are the one perpetrating being the drunk driver well beyond drunk driving offense which is a motor vehicle offense if as a result of an accident you injure or kill someone that can be treated as a criminal offense which is on top of the drunk driving offense so it could be a double whammy for you what happens if you don't injure another party hypothetically what does that look like in dollars and cents so what does the penalty equal from the state does your insurance go up what happens dollars and cents was in addition to the motor vehicle suspension there's going to be a fine imposed by the court which for a first offense could be anywhere from five hundred to seven hundred dollars but it can multiply for an additional or third offense in addition division of motor vehicles imposes a one thousand dollar search on your license so you're paying that extra thousand dollars every year for the next three years in order to continue to drive and of course your insurance will most likely be increased your insurance is going to take a big hit and of course we don't know exactly what that is because it will differ based on circumstance and carrier correct it was somewhat prepared mostly on your prior driving record that makes a lot of sense but even an unblemished record if there's a drunk driving conviction it's going to hurt what can an attorney do for someone if they're arrested for drunk driving well unfortunately in new jersey the minimum penalties are very severe but an attorney can find and make sure that you only get the minimum look our police are professional and most of the time when they make a junk driving arrest it's going to hold up in court so an attorney condition to making sure you get the minimums occasionally can find some issues to argue with the prosecutor there have been some urban legends that i've heard for example that you have the right to deny getting a breath test you're allowed to refuse that is not true absolutely not driving is a privilege in new jersey you are given a license when you're given that license you're presumed to consent if you refuse to take a breathalyzer test that is a separate offense oh you can be convicted for that and penalize for that on top of the underlying drunk driving offense so you recommend that you just comply with whatever the officer is asking you to do when every you are stopped by a police officer it's always a good idea to comply but yes do not refuse to take the breathalyzer test you can gain nothing from it great this is extremely and the one last question i have as a takeaway define for me really quick what is a safe limit if you are out to a restaurant or a party how safe can you be when you drink that in there is no safe limit even one drink can put you over the limit if you're arrested very quickly whenever you go out make sure you have a designated driver and if you think you've had too much to drink call a cab advertisements where you could buy your own breathalyzer to check yourself to see if you're safe if you've exceeded the potential limits to be able to drive or not what do you think of those as vices that someone can purchase those devices are not going to be accurate as opposed to the device the police use but it can tell you that you've been drinking alcohol and if it prevents you from drinking additional all it's probably a good thing that would be a good way to know and how much force has mothers against  driving had in new jersey do they have a lot of power mothers against drunk driving is a very powerful lobby interesting early enough they have supported the imposition of what's called an ignition interlock that's the device that goes into your car and you have to breathe into it in order to drive listen long suspensions don't just hurt the person convicted they hurt the family it's tough to keep your job mothers against drunk driving has recommended that we replace our severe suspensions in new jersey with a shorter suspension possibly even a license that allows you to go back and forth to work unfortunately none of our legislators have picked up on this and introduced any such other station well i thank you very much for dispelling a lot of misinformation out there and of course never drink and drive it's always a safe bet thank you so much jim thank you got spills of hazardous chemicals toxic smoke in the air by law every town and county in new jersey must have been up to date emergency response plan available to its employees emergency response workers and the public we can better prevent disaster if we're all prepared for information to enjoy a wrecked dot org dot down this message brought to you by the new jersey work environment welcome back to stop my crisis i am your host giving gasp are in here with me again i do have jim can steal you a local attorney and i really want to know because unfortunately it can happen to anyone what happens if you do get arrested i mean how often does this occur and what does it mean to be arrested but the most common offense of it happens to the average person not a career criminal the most common crime is harassment or assault usually in a neighborhood context or domestically if a police officer feels there's a probable cause that you committed a crime and that you committed it you're going to get arrested what does it mean when a person is charged with a crime it means th dollars to a thousand dollars and what is the difference between crimes and misdemeanors i always hear about felonies dismissed demeanors do they still make that distinction criminal offenses in new jersey are graded from the low petty disorderly persons disorderly persons and those are heard in a civil court and then you have for third second and first degree offenses those are heard on the county level and prosecuted by county prosecutor and in my going to jail if i get arrested for example if i have a conflict with a neighbor and things get a little out of control or if my spouse calls the police on me because they thought our fight got a little control a little bit you know assuming you didn't kill the person and it was not a serious crime and you have no prior record there is a presumption against jail on the first offense so for the first time around unless it's a very serious offense or there are aggravating circumstances the likelihood is you're not going to go to jail what happens if i can't afford an attorney because of course if i'm arrested the first thing i think of let me call an attorney our constitution guarantees a representation if you cannot afford an attorney a public defender will be appointed for you is there any cost at all with having a public defender there maybe an administrative charge of a couple of hundred dollars so there is a cost for people living very narrow paycheck to paycheck there is that couple hundred dollars cost that they do have to worry about but that can be paid over time very good information to know and are drug charges today differently nowadays we talk a lot about marijuana the medical marijuana what about those temperatures on charges in every county in new jersey there is a separate drug court if you are charged with a drug offense you have to make an application to have the matter heard in the drug court and the purpose of the drug court is not punishment it's rehabilitation getting you into treatment getting you straight and if you complete all of those requirements getting the charges against you dropped what do you find in addition to what you've already mentioned do they have other types of crimes that it's frequent for example shoplifting is that a real problem i mean do you find stuff that perhaps parents should be worried about their teenager or young twenty something getting into shoplifting is very much a problem especially in towns that have mall and shopping centers new jersey loves are malls right it is a crime if you get caught leaving the store without having paid for an item you're going to get charged and you're going to have a record that record can follow you around speaking of records i've always been very curious is it really true that a juvenile can commit a crime up to eighteen years old and then after they turn no one can ever find out about those crimes so if they fly for a job after they've turned eighteen they no longer have to check off a box have you been arrested a juvenile record is normally confidential but sometimes they can find out about it but it is supposed to become  so that is an accurate statement well jim thank you very much for coming in to explain this to us and if you have one tip that you could come out with as a takeaway what would you recommend if you're stopped by the police be polite and cooperative always h great thanks so much for coming on again thank you very she ripped half my hair out of my head she scratched up my face punched me in the face in the head she tore my a c l do you think physical violence harassment or verbal threats at work employers are required by law to provide a workplace pre print hazards like workplace violence even on the street i wouldn't expect to be assaulted like that certainly work for information go to  you by the new jersey work environment council welcome to stop my crisis i am your host vivian gas for here to educate you on the most common crazies the average person will face and of course how to handle them here with me today is desi is a doro and disease is a licensed health care provider in new york and new jersey as chris is clinician and she has provided intervention treatment stabilization to patients in a state of mental health crisis and as a mental health professional providing ongoing treatment collaboration support and coping skills to children adolescents and adults with mental health issues also he is a wellness specialist balancing your immune system to defend you from all illness especially those bought on by stress does he welcome to the show thank you very much for coming out sharing your vast expertise so tell me we are facing a large gamut of stress nowadays unfortunately fifty percent of marriages lead to divorce and of course it's still very stressful for you have a long term relationship and you end up breaking up and you're not even divorced so i think it's compound that way not to mention by all the other financial divorce hardships we face between credit card debt housing crazes please tell me have you help people face it and can we start off with a good story and one of the examples that you've helped  case in point is a patient who came in and seeking treatment for depression and the stress that seems to become yes very important right and during the course of and that is certainly true because there is a connection between the gut and the bring and it's intimately connected and they have an important relationship and they communicate i think most people don't realize that they think of other aspects such as high blood pressure i don't think they realize the immune system is controlled vastly in the gut is that correct yes in fact metabolic syndrome pain inflammation anxiety depression this are all gut language your gut is telling you what's going on in your body design has a lot of impact by what you eat as well yes yes definitely you have to have a diet rich in vegetables and grains and it's important that you lessen the red meat in your diet and processed food is of another common factor perhaps other chemicals in our food perhaps pesticides yes making sure we have to go in clinic is that a good idea or reduce the amount of preservatives in the foods that we eat that is very accurate food is medicine so you have to be selective and you have to replace food and factors that damage your gut you replace them with healing foods and on top of that you got a repair with nutritional supplement ation because sometimes it's not the nutrients  get in our food it's not enough what is a couple of the examples of what i've heard so many times as the super foods one of those are to you that you go over to our foods are good carbs good fats and protein what i mean by good fats good fats are fats that you utilize for energy there are bad fats that just impact your health in a negative way there are a lot of resources to q you can times when you feel like eating not as food or being yes yes indulging right twenty percent just like eighty percent is food twenty percent is movement exercise it's important to have regular exercise to balance your immune system and regular stress management at the same time there are available advanced technology devices and protocols to rebalance your immune system there are a lot of state of the art technology now in medicine that helps to do that well i'm always curious there's so many different articles out there on the internet everywhere you look they always talk about these special foods so i understand the concepts are but can you just give me the three best fruits or vegetables than your opinion if you had to just pick through if i have to pick three i would choose avocado that's my favorite i love them and it is always through an apple a day keeps the doctor away through any particular apples or sl are that you know you're you're putting in the right food in your system be selective this is your body so you should take care of it well mindful let me ask you if that's we all know there are good it can be very expensive if it's either not easily accessible or you really so watch your budget is it ok if you just really wash it well if you're not able to buy organic and there are farmers markets there are local grow worse buy from them that's a really good idea always support unsafe conditions at work you may be protected by new jersey law and by the federal agency called osha for information n j where dot org or osha dot gov this message brought to you by the new jersey work environment council welcome back to start my crisis i'm giving gas for your host and i'm very pleased to have so i'm here his solves the problems of the vast majority of new jerseyans then it'll stay in is affectionately known as denny debt to his clients and colleagues alike his one of the founding partners of j x t financial a debt consolidation company located in long island city new york mr it'll stay in has been credited with helping a fifteen hundred families get rid of their overwhelming credit card debt and getting back on the path to financial freedom danny thank you so much for being here it's great to be here i really appreciate you coming to educate our viewers on something that troubles almost everyone tell me how do you go about doing something that post people think is unheard of well thank you again for inviting me and i think the thing is many consumers share a common misconception that their credit card company is bad especially when they're burden by an overwhelming amount of credit card debt in in fact inherently the credit card companies not bad it's that when they're carrying a lot of debt that they have to repay back and the high interest rates those two things in conjunction with one another those are killers but let me ask you this i've seen so many credit card offers and of course actual credit cards where they're doing words of twenty nine percent interest rate and of course most people i don't think are aware of how the interest is charged on credit cards could you please go into that a little bit that is the key to the whole situation compound interest exact absolutely deadly compound interest is interest that's charged on top of your principal meaning whatever you charge them buoyant and then on top of accumulating interest when we give you a great example if you take a credit card with a five thousand dollars credit card balance and you take an eighteen percent interest rate which is typically the average interest rate that a lot of consumers are seeing right now and you stop charging on the cards never use it again it would take you probably ten years to pay that card back at an average payment of about one hundred eighty nine dollars you're looking at pay mack twelve thousand dollars that's over one hundred percent on your money it's unheard of and it's crippling consumers is that the most damaging way the math is created and how interest because of course people don't realize that math is different for different types of inches for example i'm and i'm sure you could tell us better that mortgage exactly did it one way and of course credit card interest is calculated a completely different way is that accurate that's exactly right so your credit card debt interest rate most people look at their a p r or their annual percentage rate and they think it may be eighteen percent which is still very high but not deadly but when you factor in that the interest rate is calculated on a daily basis and it's compound ing you can end up paying back over one hundred percent on your money so let me give you this thought imagine you put a board a pair of jeans at the gap and then you stop using the card ten years from now and you're technically still paying back money on that original pair of jeans that may be long gone or you gained weight and you had to throw them out and you can't wear them anymore but you're still paying for them the truth of the matter is that we as consumers fit into two categories there's the thirty five percent and there's the sixty five percent thirty five percent of us are convenience users we buy something we pay for it the following month we don't carry a balance but for the sixty five percent that are revolvers we carry a balance the debt just goes on and on and on and quite frankly it's becoming an epidemic here's my ex question most people haven't even heard that there's something they can do about this they think they're just doomed to this suffering so what exactly is debt negotiation how exactly can that help well that's the thing many americans today are struggling with credit card debt because for the most part a lot of people are living paycheck to paycheck and unfortunately they're finding out that they have more month than money and it becomes more difficult to meet meek excuse me to make basic living expenses let alone put away money for savings what do people do they rely on the credit card the great thing about that negotiation is that it's the fight approach it's not laying down it's not giving up it's basically saying hey i want to come to a meeting of the minds i want to pay back my creditors but i want to pay back what i can and not struggle with what i cannot so many people have told me that they need to save and balance out saving with paying down credit card debt but now with this information understanding how credit card debt is a arrived at shouldn't they pay down that debt more actively than saving because the time value of money tells me that that debt is such more of a burden because of how that calculation is drive debt as you just mentioned it would be i would think a lot more logical to pay that off and then save is that correct vivian i think you bring up an excellent point i just had a conversation with a quiet the other day a small business owner here in new jersey a large amount of credit card debt and the reason that he uses the credit card debt is to finance his business hoping to get paid back a little bit later and i told him very frankly the biggest and best thing you can do for your business is invest in the business by paying down your credit card debt first it's like paying yourself first however for those of us out there that are revolvers that are struggling because of the high cost of living it may not be so easy let me give you a little bit of food for thought in the last twelve years income in america has gone up twenty six percent sounds like a great number unfortunately the cost of living has beat that every single year so when you take income taxes going up medical expenses up fifty one percent food cost up thirty seven percent it's really hard to pay off your debt dan danny i really need to ask this question that's boiling within me when people are crippled by debt especially if it's not just credit card debt and a lot of people consider to do bankruptcy when they have an overwhelming amount of credit card debt what is the difference between negotiating this debt this type of debt versus filing for bankruptcy that's an excellent question and i'm glad that you raised a point here in new jersey where incomes are very high believe it or not that is very high and in the past there really weren't a lot of options out there so most people that struggled only thought they could do one thing which is give up and fall for bankruptcy if you are struggling and if there's absolutely no other resort that may be a good resort but if you have the ability and you have been and you have the the wish and the will to fight this you can have accountability and integrity by negotiating with the creditors were finding someone that can help you to negotiate with the creditors so that they can get paid back a portion of what you borrowed it makes them happy and it helps balance your budget then i think that you've been one of the most valuable aghast that i can imagine because there's virtually no one who doesn't have this plaguing them credit card debt i think it's something that affects every new jersey family and thank you so much and helping us figure out how we could resolve this without bankruptcy my