Get Cash For Structured Settlement?

March 9th, 2010 by admin

When accidents occur, whether an auto accident, slip and fall, medical malpractice, wrongful death, or any other non workplace related injury happens, structured settlements are often set up with insurance companies to pay for these tortious acts. People who are in involved in personal injury or insurance related cases elect to receive a series of payments over a sunstantial period of time rather than receive an immediate lump sum payment. These payments typically total more than the amount a person would have obtained for an immediate payment. The injured party(Plaintiff) goes through a process whereby they elect to take this protracted payment, and sign off on a “Settlement and Release Agreement” allowing the Insurer(Defendant) to purchase an annuity policy on the insured’s behalf that would provide for monthly, quartely, or yearly payments to the injured party, who now becomes what is called the Annuitant.

With the advent of new 2002 Federal Laws, and further State Protections, the injured party now has the right to get cash for their structured settlement by selling this annuity stream to an independent third party if he or she so desires. These periodic payments that flow from an insurance company annuity contract(called a structured settlement), may be
transferred at anytime in the future for a lump sum today, but great care should be taken to ensure that the injured party obtains a proper court order. The reason for the court order is one of protection for the injured party, and that protection is twofold; first to protect the annuitant(injured party) from an unscrupulous transaction, and secondly, and just as important in our opinion, to preserve the tax free nature of the transaction. Without obtaining a court order, the proceeds received would be completely taxable, a fighteningly foreboding scenario.

The structured settlement holder should be aware that these annuity sales have specific legal guidelines that differ from state to state. These specific elements must be adhered to strictly in order to complete the transaction. Typically, the injured party receiving the payment stream must execute(sign) a new transfer and assignment agreement disclosing all contractual terms and the price to be paid.

At this point the injured party may be wondering how difficult it is for them to get cash for their stuctured settlement, since the procedure seems complex. In fact, the sale of a structured settlement annuity is a simple, straightforward process that any institutional funder has done thousands of times, and will handle all the paperwork properly. The only thing the injured party need do is make certain they provide the funder with the proper paperwork required in a timely fashion. This process is really a simple cookie cutter transaction. Once in court, the potential sale is announced to all interested parties and then is submitted to the court for their approval.

Bear in mind that this procedure is a process, and typically will take at least 90 days to consummate. In order to expedite the process, the injured party needs to make certain that they respond immediately to requests for information and paperwork from the funding party. The institutional funder should have a vast knowledge of the structured settlement business, and have consummated numerous transactions, and offer you referrals. This is for your protection and an acknowledgement that all proper legal guidelines will be adhered to. If your structured settlement company doesn’t meet these requirements, use someone else.

Can you get cash for structured settlement? Yes. Provided your follow these easy guidelines.

Author: JBThomas
Source: articledashboard.com

Tags: , ,
Posted in Finance | No Comments »

Workplace Harassment

March 8th, 2010 by admin

At a recent American Psychological Association conference, psychologist Paula Grubb from the National Institute for Occupational Safety and Health reported a very disturbing finding—nine out of ten workplaces in the United States experience some level of uncivil behavior, verbal abuse, and bullying. In the first national survey of verbal aggression in the workplace, managers in a majority of the 516 surveyed companies admitted that a variety of bullying and berating behaviors—such as in-your-face verbal cuts, the silent treatment, demeaning jokes, backstabbing, scapegoating, and sexual harassment—were common in their organizations. Given today’s highly competitive business environment, constant fear of layoffs, and the aggressive corporate cultures of some industries and professions, the situation is getting worse in many organizations. According to psychologists such as Paula Grubb, aggressive verbal and emotional abuse in the workplace fosters depression, insomnia, alcohol and drug abuse, and a general sense of dissatisfaction. The impact on the organization is lower productivity, staff attrition, reduced motivation, and diminished job satisfaction.
Unfortunately, only 3 % of employees speak up about harassment when it occurs in the workplace. Psychologist and University of Michigan professor Lilia Cortina, who has conducted three surveys of her own, notes that three out of four workers report their verbal or emotional abuse experiences—but not to senior executives, which means that top management does not necessarily know what’s really going on in the organization on a daily basis. Only 3 % of bullied or berated employees ever file a formal complaint because they often feel buried in layers of corporate hierarchy and figure that such treatment is part of life in modern organizations.
Great management principles and strong corporate values such as sharing ideas at every level, respecting and valuing individuality, building a solid foundation of trust, enabling people to tap their full potential, and doing what matters most, to name just a few, provide people in organizations with vital protection against abuses of power, knowledge and relationships. When managers and leaders in organizations espouse such principles and values but fail to live up to them on a regular basis, they are malpracticing management—and destroying the confidence, trust and goodwill of their people. According to Gallup polls, over 70% of U.S. workers are disengaged at work—checked out, going through the motions or acting out their unhappiness—because of management malpractice. The abuse of people at all levels in organizations must be stopped if we, individually and collectively, expect to achieve new levels of progress, prosperity and fulfillment.
Craig Hickman is the author or coauthor of a dozen books on business and management, among them such bestsellers as Creating Excellence; The Strategy Game; Mind of a Manager, Soul of a Leader; and The Oz Principle. After receiving his M.B.A. from the Harvard Business School, he worked in the areas of strategic planning, organizational design, and mergers and acquisitions for Dart Industries and Ernst & Young. In 1985, he founded Management Perspectives Group, a consulting and training firm that helped companies implement the business strategy, corporate culture, and organizational change principles set forth in Creating Excellence and Mind of a Manager, Soul of a Leader. His clients have included: Proctor & Gamble, American Express, Unilever, AT&T, PepsiCo, Honeywell, Amoco, Nokia, and the U.S. government. He has lectured throughout the world for the U.S. State Department as part of its American Participant Program and is currently CEO of Headwaters Technology Innovation Group, a subsidiary of Headwaters Incorporated (NYSE: HW).

Author: Craig Hickman
Source: download

Tags: , , , ,
Posted in Business | No Comments »

How Can The Democrats Win In 2008? (Conclusion)

March 7th, 2010 by admin

IV. THE “CARVILLE FACTOR”
If The Dems nominate Hillary, expect James Carville to have a prominent role in the campaign. Otherwise, the Democrats will continue to act out the chorus to “Send In The Clowns.” In 2004 John Kerry amassed the second highest number of votes in U.S. history and still lost. Carville, the mastermind behind Bill Clinton’s ascension to the White House needs to take charge of a party in shambles. Carville predicted that Kerry would defeat Bush 52 to 47 percent and said if Bush was re-elected it would be “the signature political achievement of my life.”
After Kerry’s defeat he said, “I think that the Democrats should have won. (Kerry received the second highest number of votes in U.S. Presidential election history). We didn’t…I was disappointed Election Night. I’ll be honest with you.” Carville believes, “The Democratic Party really is at a precarious moment here…Now, we don’t control any branch of government. I mean, we’ve won three out of the last 10 presidential elections…I think this is a message to the Democratic Party: We need to produce a narrative. We need to be more about solving problems as opposed to managing them.”
James was born October 25, 1944 in Carville, La., a town near the Mississippi River and named for his grandfather. Currently he is married to Republican stalwart Mary Matalin, who was the deputy campaign manager of George Bush’s 2004 reelection campaign. He got his first job in professional politics in 1982, managing a Senate race, sixteen years after he flunked out of Louisiana State University in 1966. (He returned after a two-year hitch in the Marines, to complete his law degree). The following year he headed the Texas Gubernatorial campaign of Lloyd Doggett. Six years later he teamed up with Paul Begala to form the Carville & Begala political consulting firm.
In 1992 the two managed Bill Clinton’s campaign. Prior to that Carville headed the successful 1991 Pennsylvania U.S. Senate campaign of Harris Wofford, Zell Miller’s 1990 gubernatorial bid and the 1988 reelection of Sen. Frank R. Lautenberg in New Jersey. He also managed the 1987 Gubernatorial victory of Wallace Wilkinson in Kentucky and the 1986 gubernatorial victory of Robert Casey in Pennsylvania. In 2000 he looked on and as Al Gore lost a controversial Presidential election to current President George W. Bush.
Several months later Carville noted wryly, “A Republican friend warned me that if I voted for Al Gore and he won, the stock market would tank, we’d lose millions of jobs, and our military would be totally overstretched. You know what? I did vote for Gore, he did win, and I’ll be damned if all those things didn’t come true!”
“America is getting ready to learn a lesson,” says Carville. “And that is that very minor shifts in voting can produce policy earthquakes…unbelievably rapid loosening of environmental regulations and fundamental restructuring or attempted restructuring of both the tax code and the Social Security system, and you’re going to see a PAC right-wing federal judiciary, and you’re going to see an administration and a Congress that is 100 percent representative of corporate interest. You’re going to see a diminution of any protection for workers or anything like that. You’re certainly going to see a huge legislation passed and signed to limit products’ liability, defects products and medical malpractice…All of that is coming.”
This must be the Democratic message in 2008, assuming these things don’t come to fruition beforehand.
The Dems will probably need an issue to latch onto as a “pet cause.” That issue might be homelessness, a growing problem across the country. It seems to me that you can’t convince a woman sleeping under a bridge, or in an inoperative automobile that Bush’s energy policy, high gas prices or whether or not prayer should be allowed in schools is relevant. Homeless children wonder where their next meal will come from and could care less about terrorism, WMDs or other political optical illusions.
Annual homelessness figures exceed 1% percent of the total U.S. population and may represent as much as 10 percent of all poor people in this country. A large number of those with adequate and affordable housing are hanging by a thread and if that sounds oxymoronic, examine these facts:
More than three million people face homelessness each year, including single and two-parent families, single adults (the largest group) and a rapidly-increasing number of the elderly. With escalating housing prices, working people are being priced out of the housing market. With large numbers of these people clamoring for the few available apartments, those price rises as well. In some areas of California (such as Solano County), bidding wars are driving up the price of this type of housing.
Certain factors are precursors to homelessness. Families with incomes half or less than the federal poverty level, drug and alcohol abuse, abusive environments (sexual or physical), and “graduation” from foster care—that is, foster children who turn 18 and literally have nowhere to go. Even with assistance from shelters and transitional housing, the average length of homeless exceeds 30 months. According to the National Low Income Housing Coalition, housing is considered affordable if it costs no more than 30 percent of a family’s income. When housing costs exceed that level families face major decisions, often having to choose between paying rent in full and eating. For the record, between twenty and thirty percent of homeless families surveyed in 1996 said they had gone without food for part of the previous month (Burt, Aron, and Lee, National Alliance to End Homelessness).
In short, the lack of housing is the number one issue affecting Americans. The Dems could paint the picture that Republican policies stagnate wages to the point where they do not keep up with the rate of inflation. Consumer power has thereby been weakened, especially when contrasted with skyrocketing housing costs. Working families must spend a greater percentage of their income for housing, oftentimes in excess of 50%. The Urban Institute supports this idea, stating that market trends indicate that, “The situation is getting worse rather than better. Current levels of housing costs, coupled with low-wage jobs and economic contraction, could push even the working poor out of their homes.”
The Dems must push the fact that there is a lack of affordable housing. In 1970, there were 300,000 more affordable housing units available than there were low-income households in need. In 2001, there were 4.7 more low-income households than available affordable housing units. (B. Alexander, “The State of the Nation’s Housing,” June 2000). More telling, millions of families are faced with the prospect of living in substandard or uninhabitable conditions.
So what can be done? The National Housing Alliance states that “Housing vouchers have been shown to end family homelessness. Additionally, inadequate housing is a major contributing factor to the placement and retention of children in foster care. Nationally, the average cost of placing the children of a homeless family in foster care is $47,608, while the average annual cost for a permanent housing subsidy and supportive services for a family of equal size is about $9,000.” (R.A. White, C.M. Seth, “No Place Like Home,” Children’s Voice. Child Welfare League of America, March/April, 2003). The Republicans are against such entitlement programs, which could help the Dems, if they can prove such programs are essential.
The problem is not just confined to the inner cities. In Nebraska the problem is exacerbated in rural areas by “A shortage of builders, contractors and laborers, compounded by a lack of workers trained and being trained in construction trades, especially in rural areas…A shortage of buildable lots, lots with infrastructure in place and/or vacant land that can be developed for housing, is being experienced by many Nebraska communities.” Dr. Dennis Shockley, executive director of the Oklahoma Housing Finance Agency stated that “…in many rural areas there is no research proving that a market exists for new housing developments, and that the price of new construction is significantly higher than the cost of an existing home. He said builders and lenders are justifiably concerned that buyers will not pay the price difference.”
V. SUMMATION
In short, the Dems need a charismatic Presidential nominee and would be wise to choose a Latino for the Vice-Presidential slot. In this case, Hillary Clinton and Bill Richardson. James Carville will be needed to navigate the choppy waters, major fund raising must take place and the party must move to the center, finding a pet cause to promote along the way. If the Dems can present clear cut differences between their platform and that of the Republicans, they have a chance to garner the majority of Latino votes. This would give them the push they need to recapture the White House in 2008 and perhaps again in 2012.
Sources:
Stewart M. Powell, “Hispanic Political Importance Growing,” Hearst Washington Bureau, October 1998
Biography of Cruz Bustamante, Wikipedia
Biography of Brian Schweitzer, Wikipedia
Biography of Bill Richardson, Wikipedia
Terry M. Neal, “Bush’s Message Reflects Hispanic Demographics,” The Washington Post, p. A3, September 15, 1999
Leo Brown, “Western Democrat: Interview with Bill Richardson,” Democracy Now! Interview published by Kari Chisholm at Mandate Media
“Richardson: N.Korea talks ‘positive, frank and candid’,” CNN/com, Jan. 10, 2003
“Extensive UC Berkeley report documents Latino demographics and voting behavior in California,” University of California policy seminar, October 22, 1998
Micael Grunwald, “Bob Graham,” The Washington Post, p. W08, March 4, 2003
Bob Graham Interview on “Face The Nation,” CBS Television, no date available
Biography of Bob Graham, Wikipedia
Ken Herman, “Politicians trying to mobilize Hispanic vote,” Deseret News, February 1, 2004
Jim Burns, “Republicans Rising in Black Voters’ Estimation,” CBSNews.com, July 30, 2002
“U.S. presidential campaign spending triples,” CBS News, 2004
Joan Walsh, “Interview With James Carville,” Salon, March 11, 2002
“Meet The Press,” transcript of November 14, 2004, MSNBC.com
By Jennifer, “What Went Wrong,” Newsweek: Elections 2002, Nov. 6, 2002
Danny Duncan Collum, “Beginning of the Middle of the Muddle,” Sojourners Magazine, March-April 1997
“The ‘Ragin’ Cajun’ James Carville, Talks Tough,” BuzzFlash.com, January 21, 2004
National Alliance to End Homelessness
Martha Burt, Y. Laudan and Edgar Aron, Helping America’s Homeless:Emergency Shelter or Affordable Housing?
Kevin Fagan, “Shame of the City Sacred Sheep,” San Francisco Chronicle, March 27, 2005
Dale Turner, “Task Force Identifies Lack of Affordable Housing As Obstacle to Rural Development,” 2003.
John Patterson, Craig Helmstetter, Lila Moberg, Susan Von Mosch, and Jo Vos, “Affordable Housing (01-03)”, Pp. 8-9, January 30, 2001 Affordable Housing?
Further Reading:
Heidi Sommer, “Homelessness in Urban America: A Review of the Literature,” Prepared for Urban Homelessness and Public Policy Solutions: A One-Day Conference, January 22, 2001, UC Berkeley Alumni House
Timothy N. Stelly is the author of the novels, “Tempest In The Stone” and “The malice Of cain.” He is a contributor to several e-zines and resides in Pittsburg, California.

Author: Timothy Stelly Sr
Source: articleage.com

Tags: , ,
Posted in News & Society | No Comments »

Finding A Personal Injury Lawyer In Los Angeles

March 6th, 2010 by admin

The circumstances of our daily lives could lead us to unexpected situations. Accidents are prone to happen every now and then.

You might be strolling along the mall or supermarket and happen to trip or slip upon something that was not supposed to be there if proper care and maintenance had been ensured in the place.

You might become involved in a railroad or other types of vehicle accident while riding/driving to work or going home.

Other accidents that may unexpectedly occur could be a dog bite or animal attack, becoming a victim of defective or poisonous products, medical malpractice, etc.

In these kinds of accidents, the possibility of acquiring serious and catastrophic personal injuries is unquestionable. Since personal injury is often the result of an accident or unexpected circumstance, it fundamentally means that an individual, group or persons or an entity has committed negligent and irresponsible actions against an individual.

The damages sustained by a person who became a victim of personal injuries may not just be physical. The person can also become afflicted with mental and emotional anguish because of the accident.

These damages can be converted into a certain monetary venue and could be claimed by the victim, from a certain insurance company, more often than usual.

The assistance of a lawyer with skill and expertise in personal injury cases is required in order for a personal injury victim to claim the damages owed them by the person, group or entity who committed the acts of negligence.

In Los Angeles, California, there is a substantial number of hardworking, expert and honest personal injury lawyers to assist victims in the official procedures and complications involved in a certain case.

These Los Angeles personal injury lawyers are dedicated in attaining due compensation for the clients who have engaged them, either by a settlement agreement or a verdict after a court trial practice.

If you need their competent services, there are several ways of finding one. Foremost matter, however, is to keep in mind that the personal injury law has specialty areas. The lawyer to look for should have a level of expertise in handling the particular personal injury segment you are involved with.

Some Los Angeles personal injury lawyers specialize only on accident cases. Others chose to specialize in dog bites and animal attacks. Others are more adept in handling medical malpractice or premise liability and product liability issues.

For you to locate the relevant lawyer who is reliable to trust with your case, you could search for them in the World Wide Web through search engines like Yahoo! and Google.com.

The online lawyer directories can also help in your search.

The Los Angeles telephone directories could also be a great help in locating the perfect lawyer for your particular case.

As a viable alternative, the Los Angeles County Bar Association http://www.lacba.org/ can be approached to inquire about competent attorneys specializing in your concerns. However, the downside concerning this channel is the possibility of you receiving an unscreened list.

Talking with friends who have a lawyer friend or have been a victim in a personal injury case could also help you with choosing a competent lawyer.

Any kind of channel that you use in searching for a personal injury lawyer in Los Angeles must be aided with an observation on records of accomplishment and system of charging fees.

Author: Lala C. Ballatan
Source: articledashboard.com

Tags:
Posted in Reference & Education | No Comments »

Find Lawyers and Attorneys

March 5th, 2010 by admin

You need to find lawyers and attorneys many times due to several reasons. It could be purchase of property, divorce and child support, bankruptcy, criminal defense, the reasons are endless and you will need to find a person that can save you a lot of stress and also to save you from any possible financial and other losses.

There are several ways you can find lawyers and attorneys. Earlier people used to choose their attorney by word of mouth or through the famous yellow pages, however, today things are simpler than this. You simply need to consult a website and you will be provided with a list of attorneys and lawyers from all over the country. You can select your geographical region and find some of the most exceptionally talented people to serve your cause.

You can find lists along with other information like the contact address, telephone, and experience, so you can find out whether or not they have the required portfolio to suit your needs. If you are abroad, you can also check out lists from people staying overseas to help you out of your legal tangle.

Not all attorneys can actually deal with all your problems. Attorneys specialize in their area of work; it generally depends on additional courses they have done which are generally chosen according to their liking. However, it is necessary to choose an attorney who has extensive experience in the field you require service in. This experience will help in solving your problems efficiently and also in checking out the fees of the every attorney. You can save money when the attorney deals with your case faster.

At times, only an efficient and honest attorney will be able to tell you whether or not your legal battle will end up as you being the winner or a loser. This will again require an experienced person to be at the helm of your legal struggle.

In order to find lawyers and attorneys you need a place which you can trust totally. You would not want to hire someone incompetent simply because it could cost you quite a lot of money. In case of child custody it is also important hiring someone whom you trust, this is so because you can then feel comfortable and secured enough that your child will end up being with you rather than someone else. At such times, it is also important that this person understands how you feel about your child.

Divorce is painful yet at times necessary. Your divorce attorney needs to advice you in key affairs like settlements, money distribution and asset distribution after you have ended up your relationship. Money is important for your future without your spouse; therefore it is important that you are entitled to whatever belongs to you.

You can also hire attorneys to save yourself from being criminally implicated. It is always important to save you from being falsely implicated in court for a crime you did not do. You can find lawyers and attorneys for absolutely any legal requirements online.

Author: Ryan Luv
Source: articlerich.com

Tags: , , , ,
Posted in Home & Family | No Comments »

State Sued by San Francisco Over Health Insurance Discrimination

March 4th, 2010 by admin

San Francisco has filed a lawsuit against the State of California over a law that allows health insurance companies to charge women higher premiums than men. Women pay as much as 39% more than men for the same coverage, and the law allows it. Insurance companies get away with it because they claim that women in their child bearing years use more health care than men.

The practice, which is known as ‘gender rating’ is actually widely practiced across the country. Currently 38 states allow it, and two more allow it with some restrictions. The California insurance commissioner’s office stated that until the legislature votes to change the law, they are legally bound to follow it as it currently stands.

Some women’s health advocates remind that the Equal Employment Opportunity Commission forbids all employers from charging higher premiums to women when the charge is solely based on gender. The same sex discrimination rules that apply in the workplace should apply when women are searching for individual insurance coverage.

Officials in San Francisco state that gender discrimination should not be allowed and the law should be repealed. San Francisco City Attorney Dennis Herrera argues that women are often priced out of private health coverage because of the inflated premiums, and that puts an added burden on city clinics and San Francisco General Hospital, which can’t afford the extra cost.

When women are priced out of private health care and have to turn to an already strained public health care system, there is a clear problem, says Herrera. Since December, the legislature has introduced two bills (AB 119 and SB 54) which address the problem. Commissioner Herrera says he will drop the suit if either of these bills passes. One view holds that this can’t be anything other than discrimination, while the other stands firm with the notion that this is nothing more than sound business practices.

Author: Ethan Kalvin
Source: ezinearticles.com

Tags: , , , ,
Posted in Insurance | No Comments »

The Jigsaw Virus.

March 3rd, 2010 by admin

Stay with me on this, the ‘penny may drop’ about half-way into
the article!

Target – in very general terms, this article is targeted at
anyone involved in business, whether it be offline ‘real-world’
business, or online ‘cyber’ e-business.

Let’s define the title.

“jigsaw” – a puzzle with multiple parts which requires some
element of skill to correctly piece them all together in the
right way, making one complete ‘picture’.

“virus” – an infection which grows, replicates and spreads.

Make sense yet? No!

One of the key fundamental basics in business starts with this.
Business is based on the law of ‘Supply and Demand’.

In simple terms, this means that if people have a demand (need
or want) for something, then someone (perhaps you, or other
businesses) supply them.

In simpler terms…. Have a product or service that customers
want, then provide them with it.

JIGSAW…. Now has 2 parts / pieces…. Product (or service) and
customers (people who want / need it).

If YOU are the business supplying customers with what they want,
you may look at other products which complement or contrast. You
may also look at adding new ways to deliver your product or
service, perhaps new markets / countries / demographics…..

You may also want to have different versions / types of your
product…. Plus you may want to promote / market your company in
new / additional ways.

Also, you may want to have added computer systems, take payments
in different forms, different currencies….. translation
(remember – stay with me on this!)

You have seen competitors using ‘800′ Freephone numbers…..
You’ve read about fax-back services, call-centers, fulfillment
services….. You want to get involved in these.

JIGSAW….. From the original (and simple) 2 parts / pieces…..
Your jigsaw now has many more, even dozens (or more) of pieces.
The simple puzzle is infected. It’s spreading and growing. ..
It’s out of control.

The original focus you had, is now a distant blur. Even if you
had as many arms as an octopus, you still wouldn’t piece
together THIS puzzle.

Let’s take just one piece of a small, simple jigsaw puzzle, and
call it “Advertising, Marketing, Promotion”. They all mean the
same…. ’spreading the word’.

This single piece can start like this. Put a simply poster in
the back of your car, on a notice board, in a shop window.

Then, get business cards, then marketing ‘postcards’…….then
leaflets, a brochure, a full-color glossy brochure….a
catalogue…..CD Rom business cards, interactive multi-media…

Advertise in the local ‘free papers’, then a small ad in the
town newspaper, then a half-page….full-page ad…. Full color…….
Then a 10 second ad on radio….. Then 30 seconds…..

Then 20 seconds on local / cable TV….. Then 60 seconds….. And
on…and on.

Get a domain name, a website, software, design, hosting, auto
responders, mailing list, Flash, Audio, Video, Keywords, Meta
Tags, Keyword Density, Pay Per Click, Search Engine Optimization…

Ask a few friends to hand out some leaflets for you, create a
reseller program, an affiliate program, an introducer scheme,
get the software, the systems, Advertising Agencies,
Copywriters, Professional Marketers, International Business
Promoters…..

Where will it all end? With an army of Armani suited Harvard
Graduates jet-setting all over the planet, trying to sell your
widget?

Once the virus infects, it spreads, it grows and it can get out
of hand very quickly.

Your ‘Jigsaw Puzzle’ is infected, the infection has spread, and
grown and replicated the couple of pieces you originally started
with, and turned into something unmanageable.

Just as you cannot take antibiotics to cure a virus in health,
there is no simple cure in business.

Prevention is the best cure.

Your Jigsaw Puzzle should start with the simplest of forms…. 2
pieces (remember the 2 parts to basic business? Supply & Demand
- have a product or service which people want or need, and give
it to them (well…. Sell it!).

Make sure the first two pieces of your puzzle fit together
perfectly, before you even think about adding pieces.

Once the first 2 are set, then perhaps consider expanding your
jigsaw puzzle but ONLY ONE PIECE AT A TIME.

Once that third piece fits, then move on. Don’t try adding
multiple pieces all at the same time, and trying to fit them
altogether in one go.

If you’re first few (2, 3 or 4) pieces of your puzzle don’t fit,
then STOP.

Stop right there. Reassess the situation.

If you cannot get the pieces to fit correctly before moving on,
then perhaps that piece of the jigsaw, doesn’t belong to your
puzzle.

Many people fall flat on their face by ignoring this point.

If they cannot fit the pieces, they put them to one side, and
get more pieces to try….. And some of them won’t fit, put them
aside…. Get some others…

INFECTED!!!

The final part of the article goes back to our army of Armani
Suited Harvard Graduates… remember them?

The point of that paragraph was to illustrate how the
‘infection’, if unchecked, will go on and on… where will it end?

Is your Jigsaw Puzzle ‘infinite’? How far will you push your
business? Is there a point where it’s just too much?

You may have carefully put together your jigsaw puzzle -
completed – finished….. And you may not even realize it!

Know when and where to STOP… and BLOCK the Virus.

Author: Gary Durkin
Source: articleage.com

Tags: , , , ,
Posted in Business | No Comments »

Career Talk: A Day In The Life Of A Lawyer

March 2nd, 2010 by admin

A lawyer is a person who is authorized by the state or country to practice law, give advice to his or her clients and represent their legal matters in the courts. According to classes or ranks of jurists lawyers can be designated as advocate, attorney, barrister, counselor and solicitor. A lawyer has to study law and new laws on a regular basis to stay up to date in order to protect their clients. This is the basics of a career in law, protecting your client’s freedoms and rights.
A Day In The Life Of A Lawyer.
1. Get ready to travel: Lawyers spend most of their time in offices and courtrooms. They travel to meet their clients wherever they are and homes, business places, even emergency rooms in hospitals and state or federal prisons can be a fairly regular visit depending on which area of the law a lawyer is involved. They also travel different places for meetings and to gather proof or evidence for their case that they can submit to the courts, legislative bodies, or to other high authorities of the law.
2. Irregular work hours may be the norm: Lawyers quite often have irregular work schedules and even work for several hours in discussing with clients or preparing the briefs of the case during non office hours.
3. Back to the studying board: A lawyer is also known as an attorney who acts both as an advocate and an advisor in society. The advocates represent one of their clients in criminal or civil trials by arguing and presenting evidence to the court to protect their client. On the other hand the advisors give advice to their clients regarding their business and legal personal matters. All the lawyers, whether an advocate or an advisor, have to research the purpose of laws and judicial decisions to apply them in the critical circumstances faced by their clients. The most important aspect is that a lawyer’s job depends very much upon his or her own field of specialization and position. All this requires continual studying.
Types of Lawyers:
There are allot of areas to specialize in as a lawyer. This list is not exhaustive but covers some of the most popular fields you’ll be able to specialize into if becoming a lawyer.
Immigration lawyer, wrongful death, traffic, tax, software, social security, securities, personal injury lawyers, patent, nursing home, mesothelioma, medical malpractice, malpractice, litigation, international, insurance, injury, fraud, employment, dwi, dui, divorce, defense, criminal, construction, corporate, compensation, car accident, bankruptcy, auto accident, assault and asbestos lawyers.
How to Become a Lawyer
To become a lawyer you’ll have to attend law school via a college or university after your high school studies. There are some online law schools that offer the full Juris Doctor [JD] programs which do not require taking the law school admission test [LSAT]. It is not necessary to quit your job to become a lawyer. There are special JD programs for those students who are interested in working at the same time as pursuing their education in their spare time.
Simply conduct further research online by searching for the keywords of “online law degrees” or “juris degree from home” with quotes around the keywords.
Submitted by Chad McDonald for those needing a New York lawyer resource or searching online for New York lawyers.

Author: Chadder McD.
Source: articleage.com

Tags: , , , ,
Posted in Business | No Comments »

FINDINGS FROM FIRST SURVEY ON VOLUNTEERISM BY UNITED STATES SURGEONS SHOW HOW SURGEONS PARTICIPATE IN MORE THAN 250 ORGANIZATIONS

March 2nd, 2010 by admin

CHICAGO, IL October 20 2003–โ€”The aboriginal analysis to appraise the attributes and admeasurement of volunteerism a part of surgeons in the United States has begin that surgeons actively participate in added than 250 advance organizations in- and alfresco the country. โ€œThere are abounding types of medical advance organizations, but until now, no one has looked at the surgical section of that. We abstruse about amazing advance programs in close city-limits and rural areas, Central America and Africa,โ€ according to Andrew Warshaw, MD, FACS, surgeon-in-chief at Massachusetts Accepted Hospital, and armchair of the Socioeconomic Issues Board of the Board of Governors of the American College of Surgeons. Allegation from the analysis were discussed at the 2003 Clinical Congress of the American College of Surgeons.

In accession to chargeless surgical affliction provided by surgeons in their practices to patients who cannot pay, Dr. Warshaw said, surgeons appoint in a advanced array of advance activities. In the United States, surgeons run chargeless surgical clinics for busted patients in rural communities, amusement undocumented aliens in bound towns in the Southwest, accommodate subspecialty orthopedic and artificial anaplasty casework through a array of agencies, such as the Sacramento Physicians’ Initiative to Reach out, Innovate, and Teach (SPIRIT), Operation Smile, and Face-to-Face.

Internationally, Dr. Warshaw added, surgeons accord aback to their home countries in Africa, Asia, Central and South America, and the Pacific Rim, and plan through church-sponsored or medical missionary organizations such as the Center for Rural Development of Milot (CRUDEM) in Haiti, Doctors afterwards Borders, and Activity Hope.

Dr. Warshaw appear that surgeons in Operation Access accomplish amid 200 and 300 operations a year chargeless of allegation in hospitals in a seven-county breadth surrounding San Francisco. Started in 1989 by William Schechter, MD, FACS, arch of anaplasty at San Francisco Accepted Hospital, and Douglas Grey, MD, FACS, arch of vascular anaplasty at the Kaiser Foundation Hospital, San Francisco, Operation Access includes 150 advance surgeons, anesthesiologists, and assistant anesthesiologists who accomplish accepted anaplasty as able-bodied as urologic, ophthalmologic, otolaryngology, hand, and anal/rectal procedures.

World Medical Missions, amorphous in 1978 by Richard W. Furman, MD, FACS, his brother Ben, and the Rev. Franklin Graham, sends about 250 surgeons, internists, and ancestors practitioners to hospitals throughout the world, Dr. Warshaw noted. The alignment food seven of the 15 doctors that agents the better hospital in Kenya on a alternating base every four to six weeks and sends accepted as able-bodied as orthopedic and artificial surgeons and urologists to hospitals in Africa, Bangladesh, Indonesia, and Nepal. Apple Medical Missions aswell started from blemish to clean a baby hospital in Afghanistan afterwards the 2001 war, bartering hospital beds, operating allowance equipment, X-ray machines, and class instruments.

According to the after-effects of the survey, surgeons allot cogent portions of their time to volunteerism. Eighty percent of the surgeons who advance appear that they donated an boilerplate of four weeks a year to advance activities, Dr. Warshaw said. Sixty-nine percent volunteered domestically, and 66 percent of calm volunteers aswell formed in all-embracing advance medical organizations. Fifty-five percent aswell were complex in nonmedical advance association or religious groups.

According to Dr. Warshaw, the analysis was commissioned by the Board of Governors’ Socioeconomic Issues Board of the American College of Surgeons and was conducted by the Institute for Health Policy of the Massachusetts Accepted Hospital. Part of the College’s โ€œGiving Backโ€ Project, which seeks to spotlight surgical volunteerism and advance its growth, was completed by 455 associates of the College in the bounce and summer of 2002.

Dr. Warshaw appear that the analysis showed that 88 percent of the respondents had volunteered at atomic one time in their able careers. A part of the 69 percent who volunteered domestically, 53 percent did advance plan in their offices or a hospital, 39 percent in the bounded community, and 10 percent alfresco their bounded area. Eighty-six percent of the surgeons planned to advance in the next 5 years.

More than 60 percent of the surgeons in the analysis are actively practicing surgery, Dr. Warshaw reported; 34 percent are retired, and 4 percent are not currently practicing surgery. The surgeons absorb an boilerplate of 22 canicule a year in advance activities. The a lot of accepted affidavit surgeons advance are because it is โ€œthe appropriate affair to doโ€ or it is โ€œpart of getting a physician,โ€ Dr. Warshaw noted.

Surgeons in the analysis agreed that the American College of Surgeons could advice abutment volunteerism by lobbying to change abuse laws, advertisement advance opportunities on its Web site; advertisement consistently on surgeon volunteers in the College’s account magazine, The Bulletin of the American College of Surgeons; abutting adolescent volunteers with mentors; administering workshops on volunteerism at the anniversary Clinical Congress; and accouterment an adapted advertisement of surgeon volunteers.

As a aftereffect of the allegation from this survey, Dr. Warshaw said, the โ€œGiving Backโ€ Activity will advance a clearinghouse of advice about advance opportunities and organiza-tions, absorb alive surgeon volunteers in approaching College volunteerism projects, acclaim and admit surgeons’ moral foundation for volunteering, antechamber to change abuse laws that may baffle with advance efforts, and apprentice added about added barriers that may anticipate surgeons from volunteering.

Since the โ€œGiving Backโ€ Activity was accomplished in 2000, it has accustomed and acquaint on the College’s Web website a database that lists advance organizations surgeons may ambition to

join. The activity aswell has fabricated accessible to surgeon volunteers assets on acknowledged protections for physicians affianced in accommodating activities. โ€œWe are chipping abroad at accouterment the things physicians charge to apperceive if they accept an absorption in volunteerism,โ€ Dr. Warshaw said.

Starting this year, the College will be presenting the American College of Surgeons

Award for Volunteerism. The College began gluttonous nominations in January. Dr. Warshaw’s board devised a scoring system, based aloft โ€œthe breadth of time, dedication, creativity, to some admeasurement complication one guy alive by himself against ambience up an absolute organization’s appulse (as best as we could tell), follow-through, things that would accomplish it added than a flash-in-the-pan,โ€ Dr. Warshaw said.

According to Dr. Warshaw, โ€œThe simple action of creating this accolade and allurement for nominations by itself engendered a actual accurate access of response, not just in nominating, but in humans saying, โ€˜Wow, isn’t this admirable that this affectionate of plan is getting accustomed and it’s continued overdue; and it’s admirable that the College is accomplishing it; and it’s admirable that these humans generally plan beneath a absolute and accord of themselves at a amount to themselves; and that now they are getting recognized.’ So it’s been a actual acceptance experience.โ€

The American College of Surgeons will account two surgeons with the countdown Surgical Volunteerism Accolade at its 2003 Clinical Congress. Richard W. Furman, MD, FACS, will accept the all-embracing accolade for his plan with Apple Medical Missions, and Juan M. Montero II, MD, FACS, will accept the calm accolade for his plan in the Eastern Shore arena of Virginia.

The awards will be presented on Monday, October 20, from 10:30 a.m.โ€”12 noon, during a accepted affair blue-blooded โ€œVolunteerism by American Surgeons.โ€ The Accolade applique presented to the honorees will read: โ€œIn acceptance of those surgeons committed to giving something of themselves aback to association by authoritative cogent contributions to surgical affliction through organized advance activities.โ€

Author: Anonymous
Source: free-articles

Tags: , , , ,
Posted in Health & Fitness | No Comments »

Find a Personal Injury Lawyer Easily

February 27th, 2010 by admin

If you have suffered personal injury as a result of somebody else’s negligence there is no need for you to pay the price when a personal injury lawyer can easily help you claim back your life.

Personal injuries happen virtually anywhere. You can suffer injury in the office, in your house or even while walking on the pavement. Whatever the case, you will need to ask yourself if it was really all your fault or somebody else is responsible. If you are not sure, then it is always a good idea to consult a personal injury lawyer and find out what they have to say about your case.

Even minor personal injuries can be pretty expensive to treat and if somebody was negligent or not careful enough, there is really no reason why they should not be responsible to pay for it all. And with a good injury advocate on your side, chances are that you will get compensated very quickly and in full.

It is important to note that not all cases go to trial and an expert personal lawyer will know exactly when to settle out of court and when to leave it to the jury or the court to determine the kind of compensation you should get.

It is not too difficult to find a good lawyer to help you take care of any personal injury that you may have suffered. The World Wide Web has made things even easier and by using specific keyword phrases that are relevant to the kind of injury that you have got you will instantly come up with a number of leads. Do not forget to localize your search to the area where you live because it is of no use to you to find a good injury personal lawyer who does not have a license to practice in your state.

Author: David A Azizi
Source: ezinearticles.com

Tags: , , ,
Posted in Legal | No Comments »

« Older Entries