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Lawyer Matthew Weisberg uses his experience in the mortgage lending field to focus on foreclosure cases and assist clients in need of relief from real estate issues.

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A Beginner’s Guide to Cigars, Part 2

Cigar Tube and CutterA Beginner’s Guide to Cigars, Part 1

Now that you have chosen and purchased your cigars, here’s what you need to know about cutting, lighting, and enjoying them.

4. Cutting a Cigar
The closed end of a cigar is called the head, and the open end is called the foot. . The head of a cigar is capped to keep the cigar fresh and to hold it together. This is the end you will put in your mouth. When you are ready to smoke a cigar, hold a cigar cutter (the guillotine models provide the cleanest, smoothest cut) in one hand and your cigar in the other. Then cut into the cigar head’s cap. If you do not have a cigar cutter, use a knife whose blade is sharp enough to avoid pressing down on the cigar; too much pressure crushes the cigar and dilutes its flavor. An improper cut can also cause the cigar to unravel.

5. Lighting a Cigar
Holding your cigar in one hand, place it in your mouth and light it with your opposite hand. Once lit, puff on the cigar then slowly rotate it, which increases the cigar’s draw. Make sure to put your lighter or matchbook away somewhere safe once you have finished with it. The best way to light a cigar is with a wooden match, not a paper one, or with a butane lighter. Paper matches or traditional lighters can introduce chemicals that will ruin the flavor of your cigar.

6. Enjoying Your Cigar
Like a vintage beverage, a cigar is meant to be enjoyed at a slow, relaxing pace. Puff from and rotate your cigar every minute or so, savoring its flavor. Experiment and find a puffing pace that works for you. For reference, puffing too fast burns the cigar out and ruins its flavor, while puffing too slowly may cause the cigar to become unlit.

Filed under Cigars Beginner Guide Cigar Matthew Weisberg Foreclosure Matthew Weisberg Lawyer Matthew Weisberg Lawyer Foreclosure

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Weisberg Law, P.C.: Assisting Home Improvement Loan Fraud Victims

With a strong consumer protection focus, Weisberg Law, P.C. is dedicated to providing sophisticated and detail-oriented client service to individuals and businesses throughout New Jersey and Pennsylvania. One serious fraud situation involves home improvement loan fraud. These have become increasingly common as unscrupulous companies proliferate, taking advantage of already struggling homeowners. This type of fraud often begins with a knock on the door by a general contractor who offers a substantial loan for long-term home improvements that he or she will oversee.

Often the alleged contractor will suggest a cash-in-hand bonus for signing such a contract, which seems to entail only a slight increase in the home mortgage amount. The home owner may feel convinced to sign, thinking the work will result in substantial appreciation in the value of the residence. The general contractor begins the month-long home improvement process through subcontractors as promised. However, within a week everyone disappears, leaving the home owner with a partially renovated house. The victim may contact a lawyer at this point, but the perceived insolvent and uninsured nature of the contractor prevents successful legal action. At this point, the home owner may have no choice but to pay out of pocket for repairs on the partially demolished house. The home owner may also confront higher mortgage rates, exacerbated by a three-year home repair loan with significant prepayment penalties and sharp interest-rate increases after two years.

This situation often leads already struggling home owners to the brink of foreclosure. When attorneys and authorities unravel the pieces of this fraud, it turns out the contractor, the mortgage broker, and the title agency are perpetrators of this scam. Unfortunately, the sophisticated way in which the fraud is constructed makes it appear to involve nothing more than a simple, non-viable contractor negligent repair claim. The unfortunate thing about this situation is that, unbeknownst to many home owners, the Pennsylvania Home Improvement Finance Act (HIFA) provides adequate legal redress for property owners who may be loan fraud victims. It is simply a matter of the attorney realizing that serious fraud has been committed. Cases like these underscore the importance of seeking out only qualified attorneys with an intricate knowledge of consumer law and home improvement contracts. For more details on HIFA, and legal solutions to consumer fraud cases like this one, visit Weisberg Law, P.C. at

Filed under Weisberg Law, P.C. consumer protection loan fraud