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The difference between J.D. and Esq., as commonly used in the United States, is the ability to practice law. J.D. (Juris Doctor) You may encounter the term "J.D." after someone's name in a resume, CV, or in an academic paper. The "J.D." stands for Juris Doctor -- also known as a law degree. Similar to other academic terms like "Ph.D.," a J.D. indicates that the title holder has attended and graduated from law school. Having a J.D. from an accredited law school entitles that person to apply for and take any state's bar exam, but it does not allow him or her to practice law before being admitted to the bar. There are more than a few persons who graduate from law school with a J.D. and have chosen not to take, or failed to pass, the bar exam. They are not members of the bar, and they are not authorized to give legal advice. Esq. (Esquire) Rooted in English history, "Esq." or "Esquire" is an honorary title that is placed after a practicing lawyer's name. Practicing lawyers are those who have passed a state's (or Washington, D.C.'s) bar exam and have been licensed by that jurisdiction's bar association. Although lawyers may often choose to leave the "Esq." off of letters and emails between friends and loved ones (as it might seem stuffy and unfamiliar), in America it is commonly used when lawyers conduct business. Just as you might see "Tom Toothington, D.D.S." outside a dentist's office, lawyers may use "Esq." on signs, letterheads, business cards, and signature lines. It is also acceptable for attorneys to use "Esq." on official court documents, but the requirement that attorneys also include their state bar numbers makes this suffix somewhat irrelevant. There's no law mandating "Esq." only be used by practicing attorneys; it's entirely customary (though some states have disciplined unlicensed J.D.s for using "Esq.," as the ABA Journal has pointed out). In addition, some practicing lawyers prefer using "J.D." or the phrase "Attorney at Law" after their names, as they consider "Esquire" to be haughty or old-fashioned. However, when choosing a lawyer, don't just rely on the "Esq." or the word "Attorney" after her name and assume she is licensed to practice. Every attorney should be able to provide you with a state bar number which you can use to verify his or her license as well as records of unethical behavior or malpractice.

Car insurance WARNING - Here’s why you may not be covered for driving in winter weather

DRIVERS are being encouraged to check their car insurance premium details as they may not be automatically covered while driving in winter road conditions such as snow and ice. Here is how the bad weather can affect your car insurance premium. 

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Over the past week parts of the UK were covered in ice and snow after a cold spell hit the UK.
Changes in weather and climate can be immensely problematic for drivers. 
Snow and ice can drastically affect how a car handles and grips to the road and reduced visibility can increase the chances of an accident.
It is not only just intimidating, it can also have an affect on your car insurance premium.
Drivers are being urged to check the terms and agreements of their car insurance premium to ensure they are fully covered in adverse weather conditions.
Kris Jones, product expert from comparethemarket.com told Express.co.uk: “If your area is likely to be hit with the brunt of this week’s snow and icy weather conditions, it would be wise to double check exactly what your car insurance policy covers. 
“While many comprehensive insurance policies include damage caused by bad weather and storms, this isn’t guaranteed.
“It’s also highly unlikely such cover would be included in third party policies, as they tend to only cover damage caused to other cars and property.”
Drivers are also advised to prepare their car for the bad weather across the UK. 
Taking measures to prevent an incident or accident is the best way to prove to you insurer that any damage was unavoidable. 
“As a driver, it’s also important that you take the sufficient measures to protect your car during bad weather and can demonstrate that any damage was an unavoidable result of this weather – especially as any claim will depend on the circumstances in which it took place. 
“For example, make sure your vehicle is winter road ready by fitting winter tyres – this could improve traction in slippery conditions. 
“If you don’t take these measures, it could be interpreted as you not taking enough care to protect your vehicle and, in turn, could mean that your claim would be rejected.
“In the event that your car is damaged, make sure you contact your insurance provider as soon as possible.”

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