Monday, August 15, 2011

Hire a Personal Injury Attorney for Auto and Truck Accidents

Hire a Personal Injury Attorney for Auto and Truck Accidents
Many people believe that if they are injured in an accident that they will not need a personal injury attorney as long as they carry auto insurance. They assume that their auto insurance guarantees that their losses will be covered. This is unfortunately not the case in many auto and truck accidents.

Insurance companies are ran like any other business. Ultimately, the primary goal of all business, non-profits excluded, is to make money. When a claim for compensation is filed with an insurance company, the claim is reviewed to see if the reported losses are covered under the policy held by the driver. If there is any way to deny the claim or issue reduced compensation, the insurance company will.

Victims of truck and auto accidents often just accept the ruling of the insurance company. These companies would like their clients to believe that there is no appeals process for the injured to turn to when they despite a claims denial or the dollar amount of their reimbursement. Victims of truck and auto accidents often receive no or reduced compensation for their injuries as a result. A personal injury attorney can help victims of auto and truck accidents get the compensation they deserve for their injuries.

Richard Penny is an Online Success Coach
That is willing to teach others, the way to success,
Has been on the internet for many years, and has
learned many successful tips, that will help others
on there way to a better Financial

Saturday, August 13, 2011

'Why was he born so beautiful? Why was he born at all? He's no bloody good toanyone. He's no bloody use at all!' Of bodybuilder Albert Arroyo and his 'disability'.

By Dr. Jeffrey Lant

Author's program note. If you are lucky in the blog which sent you this article, a well oiled and eye-catching picture of bodybuilder Albert Arroyo accompanies the text. If you don't have it, go to any search engine to find pictures of this now notorious x-Boston, Massachusetts fire fighter. You will have no trouble finding plenty; for Albert was a man born for the camera... and pumping iron videos, too. You'll find that the photographic and video documentation is substantial... our Albert loved the lime light and applause... Now he's bombarded with more of it than he ever dreamed of or bargained for. Sadly it's all negative. As for the title of this article, "Why was he born so beautiful?..." this is a tune sung by raucous soccer lads. I have been unable to find a reference to it in search engines; composer and date of composition are likewise unknown. That's unfortunate for it's a very peppy little number, equal portions of condescension, bombast, and insult.  Matey Brits love it... and so do university students who drop into this song at a moment's notice.

Here's how it happened...

For Boston firefighter Albert Arroyo, March and April  2008 were ostensibly rough months. He reported falling on March 21 and suffering a back injury so severe that, a few weeks later, his doctor wrote that Arroyo should be granted an accidental disability retirement because he is "totally and permanently disabled".

Yet, on May 3, after being out of work for six weeks and collecting his full salary tax- free, Arroyo achieved a significant feat. He finished eighth in a men's bodybuilding competition, the 2008 Pro Natural American Championships.

By late May, Boston fire commissioner Roderick J. Fraser, Jr. learned of Arroyo's strict training regimen and his record as a competitive bodybuilder. Fraser urged the Boston Retirement Board to deny the application.Then in July, 2008, the Boston Fire Department shifted Arroyo, then 46, from injured leave to regular sick leave, which is taxable, after its chief medical officer determined that any injury was not work-related.

A very public black eye for Boston and its pampered firefighters.

The story about Albert Arroyo could scarcely have come at a less felicitous time for Boston firefighters.  In mid-April 2008, a federal grand jury issued scores of subpoenas to Boston firefighters as part of a criminal investigation into years of questionable disability injury claims by retired and active firefighters of all ranks. Arthur Arroyo became the poster child of a sleaze-ridden system that over and over again granted pension disability payments to those who by no means qualified for them. It was a Boston scandal; one which seemed to be endemic to every mayoral administration, business as usual for all. This was especially true of Local 718, Boston Firefighters. It was a union marked by fraud, chronic cheating, and flagrant favoritism and mismanagement. The citizens of Boston, already hard-pressed by the great recession of those years, erupted in an avalanche of anger, outrage and (because of Arroyo's bodybuilding, wearing little more than a smile) caustic humor, deadly and accurate. Long overdue reforms were a must and the Arroyo case helped insure they were started.

Fire commissioner Roderick J. Fraser, Jr., the man in the middle.

Fraser was relatively new (2006) to his important job. Fraser, a former naval officer, met fierce resistance from the Boston Firefighters Union in his strenuous effort to change the culture in a department long dominated by the union. Firefighters of every rank, except the commissioner, belong to the same union, and until Fraser arrived, commissioners had always risen through the ranks.

Arroyo's application for a disability pension came as the department was roiled by embarrassing disclosures about questionable injury claims.

In January 2008, the (Boston) Globe reported that in the 6 previous years, 102 Boston firefighters has been granted enhanced disability pensions because their career-ending injuries occurred while they were temporarily filling in for superiors and being paid at the higher pay grade The additional cost to the city from paying those pensions at the higher grades will be about $25 million. When this figure was disclosed, citizens screamed again -- and this time hitherto timorous political leaders decided to act. Again the (nearly naked) figure of Arroyo, now universally known throughout the metropolis, was a factor... he and his case were completely understandable... and when they understood citizens screamed bloody murder at the previously recalcitrant and hesitant city officials. This time these officials acted... and one of their first captures was Albert Arroyo. The man who  previously could waste a day or two deciding just how small his posing strap should be, highlighting by judicious selection,  now had real problems... the feds charged him with applying for a $65,000 a year fraudulent tax-free, accidental-disability retirement benefits package. If proven, the charge could send Arroyo away for up to twenty years, ironically the very length of his service as a firefighter.

Trial underway now.

The trial is now underway in Bean Town.

Having a good basic knowledge of how the law works is important for every citizen of the great Republic. Every citizen is in this sense a repository of what the law is and how it functions. If you're such a citizen, congratulations. You are doing your great task as a citizen. Such people, now jurors,  are even now reviewing Arroyo's robust, healthy lifestyle since he claimed to be disabled of playing baseball, shopping, dining out, visiting a tanning salon and taking out-of-state trips. They will seek to show by pointing to each thing he did which as a disabled person he should not have done; that his disability was bogus, a fraud from first to last.

The defense has a more difficult task. They must show that while Arroyo was disabled  for certain things (like inspecting buildings for the Fire Department) he was most assuredly not disabled for others (like playing baseball... and competing in high stress, high stakes male bodybuilding competitions). Their's then will be a defence of slicing carefully and hoping they can get the jury to buy into what could be a defence that does not defend.

Good and lasting effects of this fraudulent Boston firefighter pension business.

1) Local 718 Boston Firefighters Union got a wake-up call. Your job is not to protect people who lie, deceive, make-up in order to get a significant pension. Your job is to protect the public by making sure only the best firefighters are selected... and bad firemen are not rewarded but sacked.

2) If you're the doctor Arroyo went to first to certify his disability (that would be Dr. John  F. Mahoney, Dorchester neurologist) ask yourself why you didn't see anything odd in the perfectly buff, symmetrical and sculpted patient before you that was requesting disability. Some think you never met Albert Arroyo at all... or if, when  you did, you didn't bother to actually look at him. Of course now you're scrambling to show that  you really did examine the man, really.

3) If you're Fire Commissioner Roderick J. Fraser, Jr., watch out.... In Boston if you're on the right side of the wrong issue the long knives await you... and for gouging  this sacred cow,they definitely want to snuff you. Beware.

And as for Arthur Arroyo, you most assuredly will never get that $65,000 tax-free each year... and a trip to the pokey is likely. There you can practice your posing to your heart's content. Just don't drop any soap in the shower.

About the Author

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., providing a wide range of online services for small and-home based businesses. Republished with author's permission by Richard Penny

Richard Penny is an Online Success Coach That is willing to teach others, the way to success, Has been on the internet for many years, and has  learned many successful tips, that will help others
on there way to a better Financial Future..

Friday, August 12, 2011

Straight talk about blogging. How to turn your blog into a money maker,with special information for your not-for-profit organization.

By Dr. Jeffrey Lant

Friend, have you got a blog yet? If not, you are not falling behind, you ARE behind. You see, a blog is a critical tool for making money online, whether you are selling products or need to raise donations for your not-for-profit organization.

What is a blog?

A blog is a conversation between you and your customers and donors. It enables you to present your message clearly, precisely, with the unfiltered emphasis solely on what you want these folks to know and do. When you blog, you call the shots and determine just what you want people to know and just when you want them to know it.  When you blog no one can intervene in what  you say or how you say it. It is 100% you, 100% of the time. The trick is knowing how to use this incredible communications device and power for maximum results.

Non-Profit organizations and the blog.

If you're running any kind of not-for-profit organization establishing a blog and using it to educate your supporters and donors is a must, especially now when the world is going through a particularly bad economic patch and many of your donors may be cutting back on the gifts which are essential for you doing your important work. When such periods occur (as they regularly do) you need to be even sharper about how to raise money... and your blog is an absolutely essential tool for doing so.

Donors want to know where their money goes.

If you want donors to keep giving to your organization, then you must tell them just what you need the money for... and inform them as you spend it. Blogs are ideal for this.

Say you're in the business of providing services to the elderly.  Without a blog you are very limited in your ability to inform your donors. With a blog, the sky's the limit.

Your blog should contain

1) precisely what you are doing.

2) why it's necessary.

3) what you would like to be able to do.

4) how much that would cost.

For not-for-profit organizations a blog becomes a way to talk simultaneously about the results you're getting... and the crucial tasks you could undertake if you had more funds.

Here's the formula:

1) We have raised (dollar amount).

2) With it we are doing (specific activities).

3) We need to raise (amount).

4) Which will enable us to do (more specific activities).

Making your blog really interesting.

Blogs that work are blogs that are interesting. Here's how you ensure that your blog captivates readers and keeps them coming back.

1) Focus on key people in your organization. Let donors see the people who are using the money they've given.

2) Provide donor testimonials. People who are considering donating will like to hear what  others are doing and why.

3) Feature the people who are benefiting from your service. They can provide valuable information about what you've done and how it helps.

Develop  a "wish list".

Every non-profit organization on earth knows it could accomplish more if it had more funds. Use your blog to talk about what you'd like to do... and what it will cost to do it. Break down major projects into do-able bits... projects should never be seen as too big and too complicated. Big projects should be divided into stages.

Your wish list needs to be carefully considered and presented. It should always be clear, understandable and capable of being achieved day by day, donor by donor.

Have a "we wished" list.

Here's something you've never heard before: don't just talk about what you want to accomplish. Talk about items which have been on your wish list.... but which are now accomplished fact. When you talk about such items, thank lavishly. Who helped you achieve this beneficial thing... who gave money... who gave time... who volunteered, reached out, helped? Talking about the "we wished"  items gives you the chance to give the gift of recognition.

Bring crucial information to your supporters and donors.

Part of your job is to provide continuing, in-depth information on the problem your organization addresses. To do this keep your eyes open and keep searching for timely, pertinent information.

When you see an article that pertains to what you're doing; when an important new study comes out; when there's new information from the government, let your audience know.

You can do so either by emailiing the details or, better, simply by emailng the link to the information with a brief introduction on why you're sending this. Remember: any chance you have to constructively interact with your supporters must and should be taken... this is how long-term, productive relationships are born and develop.

 Share the good news... and the bad.

Remember, a blog used properly is the basis for an infinite number of  long-term relationships. Such relationships must be honest, candid, real. This is especially true when things are bad. Open up to your supporters about what happened and why... and what you're doing -- right now -- to solve the problem. Believe me, I know how difficult opening up to your supporters in this way will be; you want to be perceived as "superperson"... but you're not. You're just a human, like everyone else, doing the best you can day by day, needing the help of other humans to achieve the objectives. This doesn't mean turning your blog into a psychiatrist's couch... it does mean being open with your supporters.

How often should you communicate with your supporters, donors, friends and well- wishers?

As often as necessary; whenever you have something important to say to them; whenever a word from you makes sense and can strengthen the relationship. In other words regularly, frequently.

How to write the best blog, in the least time.

Every organization needs a blog-meister, someone who is responsible for ensuring that the blog goes out regularly, consistently packed with all the details that you want readers to know. To achieve this result, delegate as much as possible.

1) If you're the sole person in your business or organization, write your blog a few minutes every day. The rest of the day, brainstorm items you want in your blog... and keep them in your important "blog idea file." In other words, when you're not actually writing your blog, you're thinking about it.

2) Ask others in your organization to help. Ask the person who's in charge of a new product to write up a blog post that tells why the product is important... what it does... why it's necessary, etc.

3) Ask the individual who's in charge of an important project to write an article about how things are going... and what needs to be done to keep things rolling along.

4) Ask an active volunteer to write a blurb on why she's so active... with a view to enthusing readers to tell you they want to help, too.

5) Use pictures and graphics to make your blog more visually appealing.

One more thing: be sure to contact me and let me know how this article and its detailed recommendations have helped you. I'd really like to know.

About the Author

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., providing a wide range of online services for small and-home based businesses. Dr. Jeffrey Lant is also the author of 18 best-selling business books. Republished with author's permission by Richard Penny

Richard Penny is an Online Success Coach That is willing to teach others, the way to success, Has been on the internet for many years, and has  learned many successful tips, that will help others
on there way to a better Financial Future..