Saturday, February 7, 2009
Compensation Culture Gone Too Far
The facility of being able to claim compensation is, in essence, a good thing.It means that people who have suffered hardship have some sort of recompense which is especially vital if time off work is needed or serious illness or injury has been inflicted.
Compensation claims can be made against an individual or a larger organisation such as a local health authority or council if they are felt to be negligent.
However, where this was once considered to be important for people to fall back on, but unfortunately events have turned full circle and the compensation craze has caused much harm.Insurance premiums have gone up and the cost of many things has been increased in order to cover the possible costs of compensation claims.
No longer are people able to take responsibility for their own lives and the things that happen and they are also incapable of being able to accept that accidents happen through nobody's fault.
One prime example is the man that tried to escape from jail by jumping from a roof thirty feet high.Quite unsurprisingly, he broke bones in both feet and was taken to hospital for treatment.He was subsequently released from prison and it seems his feet were ok enough for him to be able to do another robbery.
This led to another prison term and the delay in him getting further treatment for his feet yet he is being able to try and make a compensation claim against the prison service for the delay in his treatment!It seems incredulous that his claim has been allowed to get this far!
Another hot favourite compensation claim is that of the public suing councils for potholes in the road.This is definitely a problem as these holes can cause some real damage to cars that drive into them or people who trip and fall.However, it has got to the point where councils are now spending more on paying out compensation than they can on actually fixing these holes.
Councils have a limited amount of funds and legal costs have to come above other matters.In one year alone, councils paid out 53 pounds million on compensation claims and 52.3 pounds million on road repairs.Once all compensation claims have been settled, it leaves very little for the actual repairs.Of course, people who are genuinely hurt by something because the council have failed to fix it should be compensated but where does this merry go round stop?
Could some of these people have taken responsibility for where they were going?Could the council have made repairs as soon as the problem was notified to them?
So, where do lawyers draw the line?Well, I guess they won't because for every compensation claim there is a hefty old payment in it for them.The trouble is, this is having a detrimental effect on all of us now.Not only have prices been increased to cover the unforeseen compensation claims but we are being further restricted in what we can do.
When people had the sense to be aware of accidents and not seek to constantly blame others for things that go wrong, there was much more general freedom.Now, we are lucky if we can have Christmas lights put up in town just in case one should fall or fail in some way and somebody should become slightly injured but rich with it.
About the Author
Shaun Parker is a leading financial expert with many years of experience in the compensation industry.
Find out more about compensation claims at http://www.stewartslaw.com
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Labels: 101 marketing strategies, best affiliate programs, internet business, super affiliate guru
Friday, February 6, 2009
Life Insurance If You Are Gay
You are probably going to need life assurance if you want to insure your health or your income should you become ill and unable to work- something which is especially important for single people or people with dependents, including a same-sex partner.There are also instances, like buying a house, when life insurance may be necessary.
Providers might want to know if you are gay.They will ask you to complete an application form which will include information on whether your partner is in the homosexual category.The enquiry may not be direct but the insurance company will subsequently send out an intrusive questionnaire on lifestyle.
It might be tempting not to disclose information or to give false details but this would only serve invalidate your insurance and is consequently a very bad idea.Furthermore, this can give rise to considerable difficulties when reapplying to other companies.
Once the form has been completed, you may then be requested to take a test to find out if you are HIV positive.There are no pre-set rules on testing and insurance companies are fairly random in their selection process.
If you do test positive for HIV, it will be difficult to buy products associated with life insurance.Simply taking the test itself can result in a refusal of cover by some insurers, even if the result is negative.
Even if you pass all the tests satisfactorily some companies will still double or treble your premiums.Most companies will insist on HIV testing for gay men who apply for income protection or critical illness policies even though neither would pay out for an HIV related claim.If you believe life cover has been unfairly refused, write to the Association of British Insurers at 51 Gresham Street, London, EC2V 7HQ.Phil Carvosso, of Carvosso & Co, a financial adviser based in Brighton, says: 'It is not nice knowing the insurer can claim rights to some of your blood.Understandably the test can be harrowing.
He recommends that you take the test on your own terms in advance of going to an insurer.To avoid insurance companies being allowed access to areas of your medical history, some people suggest getting drug or STD treatment at anonymous clinics which are available in nearly every town or city.The National Aids Helpline or the Terrence Higgins Trust should be able to help you locate a suitable one.Present guidelines used by the insurance industry in relation to gay applications are very out of date.The ABI has been considering new proposals thanks to tireless campaigning by gay IFA Chris Morgan and the Terrence Higgins Trust.
There has already been an agreement between The ABI and The British Medical Association whereby doctors should not be requested to give information on STIs and negative HIV tests.New proposals would make the risk assessment undertaken by insurance more up- to- date by ensuring that safe sexual behaviour, rather than sexuality, is the criterion.
Although it may be some time before new guidelines are fully implemented, gay applicants can normally still obtain the cover they need even in the present system.Independent Financial Advisors, specialising in gay finance can often find cover without any need for testing and on precisely the same terms that apply to heterosexual applicants.
Mr Carvosso recommends Scottish Widows which he feels is more sympathetic than some banks.Shopping on-line can also generate some of the best prices.theidol.com is reportedly one of the cheapest, offering all types of life insurance, including that for gay applicants.Isis Financial Planners (tel.08000 1960 69) also specialises in gay insurance.
About the Author
Interested in getting a quote on Life Insurance ?
Please Visit Uk Life Insurance cover for more information and other resources.Our sister site Life Brokers offers cutting edge articles and information about Life insurance and other financial products.
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Labels: marketing strategy, used car finance
Thursday, February 5, 2009
How To Make Money From Home While Pursuing A Full Time Career
Whether you're looking for a way to break into the work at home industry and someday tell your boss goodbye for good or just want to earn some extra cash, this article will show you how to do so while still holding down a career or job.You'll find suggestions for part time jobs from home perfect for those working full time.You'll also learn how to manage your time between the two jobs.
Working at home while pursuing a full time career can be stressful, but with these tips and suggestions you'll be well on your way to striking a balance between work and your personal life.
Time Management Tips for Working at Home Part Time
1.
Keep Focused on Your Full Time Job - During working hours it will be easy to think about your work at home job, especially if your plan is to eventually quit your day job and come home full time.As hard as it may be keep yourself focused on your regular job while you are working.Don't let your quality of work suffer.
2.Work Your at Home Job during Your Spare Time - Keep your at home job on somewhat of a schedule and work it after regular business hours and weekends.This will enable you to build a business without stressing yourself, which brings us to the next tip.Make certain that you take time out just for you to do things you enjoy other than working.
3.Don't Overwork Yourself Just to Make Money Faster - Running a freelance business on the side can wear you down if you don't make it a point to set limits for yourself.Take your time and don't push yourself too far or take on too many clients just to make money faster.It will catch up with you in the long run and both jobs will suffer as well as your health.
Perfect Part Time Job Opportunities for Those with a Full Time Career
1.
Typing at Home - There are various opportunities for part time typing jobs.From companies who need data entry personnel to podcast and website owners who need audios transcribed, the possibilities are abundant.Typing at home also pays well.Depending on what exactly you are doing you might get paid by the piece or by the hour.This makes it easy to schedule your work at home job during non-working hours.
2.Online Paid Surveys - These not only are fun, but they allow you to do work when you have time.From online surveys, mail in surveys, and even focus groups you can easily pick and choose the ones that fit your lifestyle, including the time you have available to work.
3.Freelance Writing - Freelance writing opportunities abound.There are always newspapers, magazines, and other print publications that are looking for columnists, editors, and more.Don't forget to check with online business owners as well.Content is a necessary part of running a successful online business and webmasters just don't have the time to keep up with the time it takes to create the amount of content they need.
Many online business owners regularly hire ghostwrites to write content ranging from advertising brochures and articles to eBooks and How-To Guides and everything in between.
4.Virtual Assistance - As a VA, you can do almost anything you have the skills to do.There are very successful virtual assistants who perform tasks for business owners online and off.Just a few of the services a VA can provide includes:
- Web design
- Transcription
- Ghostwriting
- Data entry
- Bookkeeping
- Accounting & Tax preparation
- Press services
- Audio and video creation
- and more.
..
While it won't happen overnight, it is possible to work a full time day job and pursue making money at home with part time work.Following the tips above will help to make it easier.Before you know it you'll have reached your goal of a more secure financial standing or creating the basis for a full time work at home business that will meet or even exceed your current income.
About the Author
Chris Simpson is dedicated to helping people find honest and legitimate home based work to include home business ideas.
Find legitimate work at home jobs and other great opportunities to make money from home today at: HomeNetPro.com
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Labels: business yellow pages, cam chat affiliates, mortgage industry, top affiliate programs
Wednesday, February 4, 2009
NHS Or Private Health Care?
Where do you get medical care as and when you need it, without any delays or sitting around hospital corridors surrounded by patients, bored and fidgeting children, wheelchairs, old uncle Tom Cobley and all?Certainly not in the NHS and its a long time since we could even dream of it.
The NHS is strapped for cash, were told that often enough.Waiting times are a joke.
Whilst no-one minds waiting up to three months for a minor illness, where the condition doesn't appear to be too worrying, to wait for up to three months for investigation of something more serious is another matter altogether.
You must all recognise the scenario where your hospital appointment comes through for, say, 10 September.10 September is ingrained in your mind, until lo and behold on the 4 September you receive that letter from the hospital.They regret that they are unable to see you on that day but hope that the appointment for 2 November will fit in with your plans.If that date is not suitable, please ring and arrange an alternative appointment.When will that be Christmas!
It's enough to make you contact your GP and ask for a private referral normally available in a very short time, but at a cost of at least 100 and thats just the start.It's no joke and shouldnt be necessary but you just have to accept that, if you can afford it, private treatment is the way forward.
It's not just the waiting times, either.Theres the bug factor to consider.Whilst theres no denying that some NHS hospitals have a good reputation for maintaining strict standards of hygiene, others havent.Bad press reports regarding you local hospitals hardly fill you with confidence.
Once you're actually in hospital, private care gives you the chance to be treated in a clean and private environment.A private room give you the privacy to recuperate in pleasant surroundings and with a choice of food equal to a good restaurant.If you can't put off the hoards of visitors, at least you just have the noise and germs of your own few and not those of a whole ward of people.
This is all very nice, but the real benefit of private treatment is that its there for you, when and where you need it.Whatever the diagnosis, you can be assured that youll receive expert care and treatment and hopefully be back on your feet in the shortest possible time.
There are lots of healthcare plans.A fully comprehensive one can be costly and probably youre talking of a premium of over 1,000 per year.For that you can get on with your life knowing that whatever happens, health-wise, you're going to get the treatment you need, fast and with no quibbling.
If this sort of cost is prohibitive then its possible that one of the less comprehensive ones may meet your needs.There's basic, simple cover for the less serious conditions such as dentistry, physiotherapy and podiatry or you may rely on the NHS for this, but choose to take cover for the very best that the NHS cant afford, in the way of cancer treatment.
Whatever your need, take some independent advice.Get on line and find an independent broker who can advise you on the types of plan available and find you the right plan from a very large choice of private health care providers.
About the Author
The Insurance Explorer provides great deals on Medical insurance for its clients in the uk.
Please visit our site for helpful information to aid you in making the right decision, first time.Brokers Online offers cutting edge articles and information about medical Insurance, life insurance and other great financial products.
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Tuesday, February 3, 2009
Work At Home Business Opportunities
Sadly the amount of legit work at home ops is few and far between, however, if you do find a good one you better hold on to it!Just by searching on Google for Business Opportunities you can find millions upon millions of search results.The only thing that really sucks about this, is that a ton of these programs are scams and really aren't legit.So, how do you go about picking through the bad ones and going with the good ones?How can you really find out the bad apples from the golden ops?I would love to tell you some super top secret, but unfortunately I have learned something valuable the hard way; you have to try it to really know.In a lot of cases you can get a partial imprint of what a company, program or website is about by doing a lot of research on them and doing some searching online for reviews.of course this still doesn't put you in the "green" you still need to do some research!Listed below I decided to give you a little break and talk to you about some businesses online that are legit.These will work for you if you put a lot of work into them.Hey, no one said making money was easy.if it was easy then everyone and their mother would be another Bill Gates!
Ben Matila's Peoples Program Team -
The Cash Leveraging program is called The Peoples Program (TPP), and it's a proven & totally hands-free automated turn-key cash gifting system which can quickly & easily enable you to start receiving Cash Gifts of $150 and $10,000 cash daily and by doing no more than driving traffic and inviting people to this website with our proven marketing system.
Even if you're an absolute newbie and you have no previous experience, that's not a problem because your fully loaded back office website will include a ton of proven marketing strategies & resources, all designed to enable you to start inviting an endless stream of targeted prospects to your website, and generate yourself and endless amounts of cash!
My Great Empire -
This is a site related to the GDI system, now I have never personally tried the GDI system but, I know of friends who have and it has worked for them, so don't count this site out just yet.
Go take a look at it and at least sign up for the free information.Building a massive action driven GDI team beneath you has never been easier.Not only will you notice a much higher opt in ratio, but an increased GDI sign up ratio as well.Every opt in you get through your My Great Empire affiliate link, will receive approximately 12 followup emails in a period of 30 days.This is a website made for users that want to receive opt-in leads with the system.
Cash Making Power Sites -
Another great money maker, this site is a program you can purchase and you will in turn receive some really great information about the top 5 sites you can earn money from, easily and quickly.
This is another very legit site, and I have actually tried this one and it has worked for me quite well.Now this might either be a pro or a con for you personally, for me it was a pro, but the more I learn and the more I read, the more I earn each month.The first month it was just a few hundred bucks, but now I'm on month 2 and the highest I earned was a little over $1500.Another great thing about this system is its automated, and who doesn't love automated sites!I know I do!
Of course there ARE many more sites out there but these are ones I have had success with and they are ones that I know other people who have had success with them as well.Hey, the least you can do for yourself is check these sites out and read about some of the information they give you.Information wont cost you one red cent and who knows what you may find out about these companies and what they could possibly do for you!Good luck!
About the Author
This author is a HUGE fan of Cash Gifting Program
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Employee Surveys: Find Out How To Motivate Employees
Every business owner is thankful for loyal employees.Loyal employees are committed to their job and take pride in their efforts.A great technique to improve staff loyalty is to create an ambition and reward system.Creating employee goals helps workers commit to their tasks and clearly establishes what you expect of them.It gives employees a desire to succeed and boosts morale.In addition, goal setting inspires workers on a personal and professional level.Many longtime, loyal employees have started out at the bottom of the corporate ladder and worked their way up the ranks through hard work and dedication.Employee surveys help companies determine which incentive programs their staff prefers.Depending on the budget, incentive programs can range from a gift certificate to a week in Maui.Rewards and incentives are great tools to keep employees working hard.
Setting goals directs workers to see their daily tasks as accomplishments.Another confidence builder is creating a mission statement for the company.A mission statement defines the companies' values and overall ambitions.Make sure your staff knows and understands the value you place on them, and how they fit into the overall mission of the company.Loyalty is built through time and commitment to a common idea or ideal.Time plays an important aspect when setting them.When developing staff objectives make sure to establish a time frame, beginning date and end date, in which achievement must take place.Weekly and monthly aspirations help employees to stay on track for daily tasks.Quarterly is great for larger projects and keeping momentum.Owners want to set attainable ambition that will both challenge workers and build their confidence.
To help your staff achieve what you've set for them create a plan of action.Meeting them successfully involves a step by step process.Help workers make a list of steps they must follow to achieve their goals.There is nothing as satisfying as crossing tasks off a list.The action plan helps employees to track their forward momentum, see their part in the company and establishes a sense of accomplishment.
Many companies set up a smart plan for their workforce to follow.The smart plan divides goal setting into five steps.Step one is to be specific about what you want accomplished.Clearly define what the company is striving for with the plan.Step two is measure out the steps so you can establish what has been achieved.Step three is to set achievable and realistic goals.They should be challenging and attainable.Step four is making sure all are working together and not against one another.Your personnel must understand the underlying point of the objective and how it will affect the company.Step five is time bound management.All objectives should fall within a realistic timeframe.The timeframe should be a well thought out plan to ensure success.
If you find that your aspirations are backfiring, then restructure your overall plan and add flexibility.When setting them include some flexibility and make sure they are realistic.Working toward objectives should be progressive steps forward, but missteps can occur.You cannot expect perfection from personnel, but you can inspire perseverance.Tracking morale helps employers know if their goal setting techniques are inspiring or frustrating.Employee surveys helps companies monitor workers morale and determine the level of job satisfaction.Keep them actively involved in aspiration setting, will help build team morale, and develop a loyal, long term workforce.Creating and tracking realistic goals for employees can boost performance and loyalty within the work place.A loyal and motivated employee is an asset to any company.
About the Author
NBRI, offers the best selection in customizable options for your surveying needs.
Whether you'd like to organize a survey on receipts, or complex employee surveys , they can help!Visit NBRII.com for more information.
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