A Myth Regarding Personal Injury Protection

I often get told by my clients that they “do not want to make any claims on their own insurance policy” because “it will raise their rates.” Like many things, this is an insurance tactic meant to scare people from claiming what is rightfully theirs. Let me elaborate further.

Under Texas law, every person in the State must carry Personal Injury Protection (“PIP”) coverage on their auto insurance policy, unless you expressly sign a rejection or “opt-out” of this coverage. The State minimum requirement is $2,500, although many people carry $5,000 or $10,000 in coverage (or sometimes even more, depending on what their auto insurance carrier offers). Importantly, under the Texas Insurance Code, it is illegal for your insurance company to raise your insurance rates, drop your coverage, affect your credit, etc. for making these claims. Therefore, if you have this coverage, you always want to use it.

PIP coverage is meant to reimburse you for two things: (1) medical bills you have already incurred or (2) lost wages (although it will only cover 80% of your lost wages). Additionally, Texas allows “stacking” of insurance benefits. For example, let’s say you get into an accident and you are taken to the emergency room where you incur a $10,000.00 bill. Let’s also say that you have the standard $2,500 PIP policy through your insurance company. After you are finished treating, we send that same $10,000 bill to both the Defendant’s insurance company and to your own. We get you paid $10,000 from this insurance company plus $2,500 from your own PIP coverage for a total reimbursement of $12,500. That’s right, you get paid $12,500 for a bill that was originally $10,000.

I always tell my clients the same thing: If you pay for this coverage every month in your premium, and if your insurance company cannot raise your rates for using it, then why wouldn’t you use it? It is free money falling out of the sky. However, because it’s free money falling out of the sky, many insurance companies (and their agents) will deliberately try to convince you that you do not need it because “it cost more.” Again, this cannot be further from the truth. The cost of this coverage is literally pennies on the dollar for what you get in return should you need to use it. Further, the best part is that this coverage is no-fault, meaning you are entitled to these benefits whether you caused the accident or if someone else hit you.

For these reasons, it is a no-brainer not only to have this coverage, but also to use it once you need it.

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Understanding Online Loans

Online loans have become the latest fad. Many people love them due to the benefits that they come with. Unlike the traditional loans that require you to wait for weeks or even months before you receive them, Online loans are released in your account immediately the loan lender certifies that you are qualified.

How to get the online loans

Getting the loans is easy. All you need to do is to visit the website of the lender and make your application. To increase your chances of getting the loan carefully read through the requirements required and provide them.

The cool thing is that online loans are one of the easiest to get. In fact, when you apply for them, the lender will give you the loan even if you have bad credit. All the lender wants to know is whether you can afford to pay. To prove that you can repay the loan once it’s given to you, you should provide a bank statement or proof of employment.

Benefits of online jobs

As mentioned above, many people are going for these loans due to the comfort that they come with. Some of these advantages include:

Ease of access: This is a no brainier. As mentioned, you don’t need a stellar credit score to get these loans. As long as you prove that you can afford to repay the loans. You are ready to go. This is unlike with the traditional loan lenders that will require you to have a good score to get the loans.

Also, you don’t have to travel to your bank to get the loans. All you need is a computer and internet connection, and if the lender certifies that you can repay the loan, he/she will send you the money to your account instantly.

Payment options: Unlike with traditional loans where the repayment of the loans is decided by the lender, with online loans you agree with the lender on the amount that you will be repaying. In addition to this, in the event you lose a job, you can contact your lender and adjust your repayment.

Factors to consider when getting the loans

When you are borrowing the loans, you need to consider a number of factors for you to get the right ones. These factors include:

Amount to borrow: How much money will you be borrowing? The amount allowed differs from one lender to another. You should do your research and find a lender who will give you an amount that you will be comfortable with.

Repayment period: This is the amount of time that you need to repay the loan. Again this differs from one lender to another. The cool thing is that you can reach an agreement with the lender and settle at an amount that both of you are comfortable with.

Interest charged: The loans are known for their high interest, but this doesn’t mean that you have to pay high interests all the time. Before you take a loan, scout for lenders with the best rates.

Your Business Need A Sales Funnel

It may sound obvious but often a business will forget the fact that the only way to make money is to get customers to buy. And the best way to get customers to buy is to have am effective sales funnel.

A sales funnel is set of steps where you guide a prospect through a series of communications that results in them buying from you.

But what happens after that first sale is made? Existing customers are the people who are most likely to buy from you again.

How Does A Sales Funnel Work?

At the top of the funnel, you offer something for free in return for getting a prospect’s contact information. This could be a report, checklist, video or eBook. Then you begin marketing, following up with emails and other communications to attempt to make a sale.

Throughout your sales funnel process, you should have several offers that complement each other. For instance, before you buy a car, you take it for a free test drive. If you like the car and buy it, the salesman doesn’t just hand you the keys and then vanish. You’re offered extended auto warranties, enhancements like upholstery and wheel options.

After a couple of months the salesperson will contact you to see if you’re happy with your new car, and let you know about a discount or sale going on.In the future, you’ll be contacted with opportunities to trade in your vehicle and the sales process goes on and on.

How Many Levels In The Sales Funnel Process?

As you can see from the example above, there can be many different levels in a sales funnel. A one level funnel is where after a customer buys from you, you move onto the next prospect.

But this a critical error.

It costs 6 to 7 times more to get a new customer than keep an existing one. It makes sense to market to someone who has already purchased one of your products, rather than try to convince new people to buy your services. An existing customer already knows you and your business. If they have received excellent value from you once, they’ll be more prepared to spend money with you again, rather than somebody who has never heard of you.

There is no “ideal number” of sales funnel levels. Each business, product and service is different. Just make sure you are continuously providing your prospects and customers opportunities to improve their lives or solve their problems with future purchases from you.

Mt Washington Real Estate: A Look at the Numbers

For many years – decades, in fact – the LA district of Mount Washington was one of the hidden treasures of Los Angeles neighborhoods. All of that changed during the real estate boom of the mid-1990’s and since that time, the run on Mt. Washington homes for sale has been akin to the California Gold Rush. Homebuyers, investors, home flippers and creative types of have been snapping up Mt. Washington real estate as fast as they can. Let’s look at what the facts and the numbers tell us.

Mount Washington is located in Northeast Los Angeles just south of Eagle Rock, west of Highland Park and Northeast of Cypress Park. This mountainous community is located in the San Rafael Hills. Every house is situated on unique and hilly terrain. This eclectic community is home to many styles of houses, which allows people to build on lots of all shapes, sizes and slopes.

The various styles include: Cottages, Midcentury Moderns, Spanish, Hillside Midcenturies, Historic Craftsmen, Tree House Cabins, Bungalows and Craftsman Bungalows.

According to the LA Times, the population of Mount Washington was 13,531 people in 2008. With its 1.85 square mile radius there were 6,878 people per square mile. This is about average for Los Angeles County. The average income in 2008 was $57,725 and 2.9 people per household size. Both of these numbers are average for the county.

Even though the houses are on hills, Mount Washington is surprisingly accessible for walking, biking and public transportation. According to WalkScore Mount Washington is somewhat walkable with a score of 50. Some errands can be accomplished on foot. The transit score for Mount Washington is 59, meaning there are many convenient public transportation options – including the Gold Line Metro what deposits travelers at the Southwest Museum. Lastly, although this community is decorated with a slue of steep hills, there are some bike lanes on the main roads earning a bike score of 35.

Zillow states that the Home Value Index of Mount Washington is $720,100. This is an increase of 5.1% since last year. Zillow predicts the value to increase 2.8% up to $740,000 by the end of the year. The average price per square foot is $612, which is higher than the Los Angeles average of $451 per square foot. The average rental price is $2,942 per month.

Since Redfin named Mount Washington one of the hottest cities in the country, house flipping increased in like wildfire throughout the community. In effect Zillow has labeled the housing market as “Cold” because it has become ideal for the Buyer with so many fresh homes to choose from. Because of this increase in listings, approximately 11.5% of listings end up shaving their price down. Compared to other markets in the nation, Mount Washington has a market health of 2.2/10. This is part of the average real estate flux. People will continue to search for homes in Mount Washington, but eventually the majority of the homes will be house flipped and/or sold. Once the number of listings decrease the community will turn back to “Hot” – a Seller’s Market – with hoards of people trying to obtain property in this hidden oasis of Los Angeles.

Why Round Cut Diamond Engagement Rings Are More Expensive

Every diamond buyer wants the most sparkling stone and round brilliant cut is known as the most sparkling shapes. That is the reason why ladies prefer a round brilliant diamond as their engagement ring centerpiece. According to a study, more than 75% rings sold in the market are round cut engagement rings. Although round brilliant cut is popular than any other shape but popularity is not the major factor that drive up the price of the stone. As a matter of fact, it takes a bigger rough diamond to cut a round brilliant diamond than any other shape. There is a higher loss of rough stone while cutting a round shape so the cost for each carat of round cut is relatively higher than any other shape. This is the main reason why round cut engagement rings are more expensive. However, the higher demand of a round cut plays a secondary role in escalating its price.

Yield of The Rough Stone

When they are mined, most of them don’t come in a perfect shape so experts try to get the most out of each rough stone they get. Fancy shapes can be extracted from an uneven shaped rough stone but a round brilliant diamond can be cut out of a properly shaped rough diamond block. There is a very simple diagram provided below showing how much amount of rough goes in vain while cutting a round brilliant diamond.

Some of the rough carry certain inclusions inside them so these diamonds receive lower quality grades and they are sold at lower prices.

Price Difference between a Round Cut and Other Shapes

Round cut are 25% – 30% more expensive than other shapes. Choosing a fancy shaped engagement ring saves the buyer over 25%. Following are the numbers showing how a shape affects its price.

The above mentioned numbers are an average prices of a 1 carat, G color diamond with a very good cut and VS2 clarity. The shape is an important when buying a diamond as it directly influences the price. According to a study, almost 30% of all engagement rings are created with fancy shaped diamonds.

Today’s round brilliant cut diamond has 58 facets including the culet. On the top part of diamond, it has 1 table facet, 8 bezels, 8 stars, and 16 upper girdle facets. On the bottom part, there are 16 lower girdle facets, 8 pavilion facets, and 1 culet.

These 58 facets acts like an optical prism so the round shape gives more sparkles than any other diamond shape. This is why every 3 out of 5 ladies prefer round diamond engagement rings. Round cut is the classic shape of a diamond. Centuries have passed but its demand is still high. This is evergreen shape of the diamond.

The Cybercrimals

The mindset of an individual who would want to attack the computers and networks owned by others is, without question, criminal. The act of intruding upon another confidential personal or business information requires a pre-meditated and calculated act. Its purpose is to inflict financial or personal harm on others by stealing money, denying the use of their information or to gain illegal access to proprietary plans. The cybercriminal is totally cynical and strives to remain in the shadows.

People who attack the information assets of others are on the prowl for system weaknesses to exploit. The prime targets are unsuspecting individuals or businesses that are vulnerable to the attack modes chosen by cybercriminals. They are deceitful and seek the cloak of anonymity.

The true nature of someone who would access, use and exploit your private information is a mixed bag. His or her character is between that of a person who would enjoy searching through your personal items and an employee who would embezzle money from a corporation.

The focus of crackers and hackers is to use their specialized knowledge to encroach upon the private lives of people and organizations. Electronic thieves seek to take advantage of people who are without information needed to fight back and block them. Cyber criminals are true low-life.

Digital bandits are sociopaths who ply their trade without regard to the harmful effects they have on others and truly lack remorse. What’s particularly unsettling about felonious computer whizzes is that they are usually very intelligent. They are without a conscience and enjoy stealing and hurting others.

Computer crooks can be ranked on a scale from “less skilled” to “expert”. Anyone can download basic cracking software from the Internet. The real pros, however, study their targets over time in stealth mode. The highly skilled cracker plans and analyzes the victim to get the maximum effect.

Preying upon unsuspecting users is among the most disturbing behaviors of the PC and mainframe pirates. Most computer users are unaware of how many threats and vulnerabilities that they face when they power-up their computer or go online. Lawless computer users thrive on the ignorance of others.

So how do you fight those who would breach your personal data with the purpose of stealing or hurting you in a variety of different ways? Presume that the bad guys are trying to break into your system. Use your knowledge and security best practices to block them.

You should:

1. Develop a security mindset
2. Assess your risks
3. Use complex passwords and phrases for your system(s)
4. Identify and eliminate common vulnerabilities
5. Routinely update software patches and fixes
6. Probe and test electronic systems
7. Use appropriate security-related hardware and software (e.g. anti-virus software, firewalls)
8. Lock your computer screen when you leave your work area
9. Encrypt and back up all of your data
10. Practice good cyber hygiene (e.g. avoid clicking on email links and attachments)
11. Avoid maintaining a persistent Internet connection

You can defend against those who would try to harm you using digital technology and the Internet. Obstruct the pathways that are followed by lawless information thieves.

Affordable Housing for the Middle Class

“What does affordable housing in Gurgaon, with its high-lifestyle, urbanization, and posh-societies look like?” You may think, given that Residential Flats varies in its meaning for different demographic profiles. Especially in the Indian real estate market, affordable housing has a connotation for housing for the lower income group (LIG), by which they too can enjoy a comfortable living and security. With the incumbent government’s focus on this section and more on the affordable housing, it seems like the real estate sector has been able to get the boost that it had been waiting for of late.

However, there is an important trend that needs to be taken note of before the government claims that its affordable housing project is a success. The term affordable housing, in different contexts, also has a local meaning. According to this, affordable housing includes housing options for a segment of population that can become potential home buyers in a city. If we take this definition into consideration, there is a sizeable population in every city, which although it will not identify with or fall under the LIG, is equally incapable of allotting a large budget for buying homes. It is not only sensitive and cost-wary but is looking forward to finding a house of a decent budget-size within the realms of the city. A typical example is of the residential flats in Gurgaon, which although are well-furnished, but do not still fall under the budget for the middle class.

When we take this population’s demands and needs a little more seriously, we find that there is a dearth of properties in good locations within the city, which buyers can afford. These buyers often have a budget of INR 30-40 lakhs, but more cities including Delhi NCR have a deficit in properties which match this budget range. Usually properties which are around INR 20 lakhs are still on the outskirts lacking good transportation and other facilities required by the urban middle class. This means that there is indeed a requirement for more housing under the affordable housing section, where different demographic profiles can find properties for themselves.

There is an urgent need for developers to come up with budget housing projects in the larger cities. As modern India moves towards development and rising aspirations, affordable housing and the security that comes with it, is increasing. This appears to be a very high opportunity for developers who can count on a boost in the real estate industry. More absorption of the housing projects in the urban cities is also a strong indicator of the socioeconomic growth in the country, thereby projecting a positive image. While the demand is strong and only increasing, there are a lot of policy-level changes that need to be introduced.

Not only will the affordable housing for the middle class prove to be a sustainable business model for the future, it will also allow more cities to come up to ranks. More affordable housing projects will assure developers that they do not struggle with inflation or even setbacks in the economy. Another trend that one needs to channelize is that more real estate investors are now eyeing budget and affordable housing projects. Where luxury homes and premium homes find it hard to make it through a rough economy, affordable housing is still on the move. The healthy demand in addition with more money coming in steady from investors means a healthy micro-economy. It is now time for builders and the government to give this proposition a try, ensuring that the overall development of the country happens throughout.

Gurgaon based real estate company’s residential flats in Gurgaon include their massive projects of Solera (Sector 107), Synera (Sector 81, NH8) Andour Heights (Sector 71), Orchard Avenue (Sector 93), Grand Iva (Sector 103), Roselia (Sector 95A), Serenas (Sector 36) and The Millennia (Sector 37D). At present, Gurgaon based real estate company’s Signum project offers retail shops in Gurugram in sector 36, 95A, 93, 103, 71, 81, and 107.

Bengal Handloom Sarees Collection

India is country that has a splendid heritage of various cultures and heritages that have resulted in innumerable traditional crafts and art forms in every nook and corner of this massive country. Over the years however the artforms responsible for many of the most resplendent of Indian traditional dresses have faded away because of the lack of proper preservation and government aid. Many of the artisans and craftsmen have been forced to give up these art forms that have been passed on through the generations in the families, in order to earn a decent livelihood.

The Bengali handloom industry like many other handloom industries from around the country have been ignored for far too long. The traditional sarees of Bengal are known for their intricate and unique craftsmanship. The broad range and palette of colors that these exotic sarees employ are a testament to their spell-binding power and allure. The sheer appeal of these traditional size yard wonders is what makes them all so sought after in the Indian ethnic fashion scene today. Like most other traditional handloom saree styles, these sarees are outmatch the magnificence of any western trend. These sarees are perfect to flaunt on any festive, wedding or traditional celebratory occasion. One way to spruce up these other traditional styles is to perhaps try new and trendy methods of draping your saree or even amplify your style with voguish accessories. The best part about Bengali sarees is the fact that you can store them for long periods without letting them wither away by just having them dry-cleaned or even subjecting them to fabric treatments. All one has to do to make the sarees suitable for wearing them again after long periods of storage is to rise the fabric delicately in cold water.

These sarees have quite a strong fan following among Bollywood celebrities. They are also a favorite of youngsters. A lot of celebrities such as Priyanka Chopra, Dia Mirza, Vidya Balan and Konkana Sen Sharma are major fans of Bengali handloom sarees and can be seen sporting them regularly at red carpet events, award shows and even promotional events for their movies. Another way to really spice up these traditional styles is to pair them with suitable crop tops that will amplify the look to incredible extents. Pairing them with full sleeved polo neck t-shirts as well as statement necklaces for a more Indowestern style is also a good option. Sporting a pair of leggings instead of the traditional petticoat and wearing some fancy headgear or a scarf are all ways to go about sprucing up your look. You could also try giving your traditional Bengali sarees style a bohemian touch by accessorising with chokers and large danglers or hoops. If you are someone who doesn’t quite like completely traditional styles and would like to spruce things up then there are endless options for you to go about doing so.

Buy Bengal Handloom Sarees

After reading this article on the sheer grandeur of Bengal Handloom Jamdani sarees, if you have made up your mind on getting yourself some sensational Tantuja saree Bengal or Bengali heavy dresses online, then the best place to so from is a well-reputed ethnic fashion website which is known for its collections of all the latest Bengal handloom sarees as well as all other varieties of traditional silk saree, linen sarees and handloom cotton saree styles from all over the country, all available at unbelievably affordable prices that you can get with everyday discounts, sales, offers and more.

Importance of Immigration Lawyers

Immigration lawyers generally help their clients in issues relating to visas, citizenship and other immigration benefits. Not all instances require the services of an immigration lawyer; however, immigration law in many countries is quite complicated and hiring an attorney will save you money, time and the hustle of moving around immigration offices.

Why should you hire an immigration lawyer?

  • An experienced and competent immigration attorney understands the law thoroughly and will be up to date with recent changes to the law. Moreover, the attorney will know the right procedures, administrative forms and all requirements to appropriately handle your case.
  • You can rest assured that your interests and rights will be well represented and defended. He/she will ensure that you are adequately protected from any form of abuse and exploitation and bar you from making critical mistakes. You’ll also receive regular updates on the proceedings of your case.
  • Immigration lawyers have to adhere to the set professional standards and will therefore commit themselves fully to offering quality, accurate and professional services. Their accreditation helps them maneuver the complicated immigration bureaucracies.

How to find an excellent immigration lawyer

A good immigration advocate can impact positively on your case and this is how to get your hands on one:

  • Ensure the potential lawyer is trained and licensed to handle cases similar to yours.
  • Do some research on the lawyer you’re about to hire and check the reviews he/she has received from clients. Now that will help you make a wise decision.
  • The lawyer you intend to hire should give ethical advice while also restraining from illegal practices such as bribing.

When should you call an immigration lawyer?

You will definitely need to seek the services of an immigration lawyer if you encounter the following:

  • If you have been deported from the country you were living in and you wish to return.
  • If you have committed a criminal offense or have been convicted of a criminal offense and you want to avoid a removal from the foreign country.
  • If you are planning to move to another country for work and your employer is not in any way assisting with the immigration process.
  • If you are requesting for any form of exceptional benefits that the state would not ordinarily offer to an applicant in your position.
  • If you had immigration application denied or refused.
    The list could go on and on but the bottom line is that you shouldn’t hesitate to call an immigration lawyer when faced with any immigration issue.

What to expect from your immigration lawyer

If you have hired a good lawyer, here is what to expect:

  • He/she should be respectful, ethical and professional.
  • He/she is knowledgeable on the complexities of immigration laws and also experienced to handle your case.
  • Charges reasonable fees after providing the estimates in advance.
  • He/she works diligently throughout and ensures that your case goes to a successful completion.
  • Helps you in making the right decisions, keeps all information confidential and also keeps you posted on the details of your case.
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Maximize the Potential of Your Business Presentation

Business presentations are a collateral reflection of who you are. A glimpse of your personality could be seen in the ways and the content of your presentation.

The way you carry yourself, the way you speak, deliver your sentences, tackle tricky questions with confidence and successfully convey your message, speak volumes about your personality.

Still, there are much more ways in which you can support your business presentation to reach its maximum potential.

HIGHLIGHT YOUR SUPERPOWER

A positive way to keep your audience attentive to you is to show them that you are worth their time and trust. Rather than speaking about your achievements and future goals, speak about your credibility because if even little points will exist with which the crowd will not feel connected to then the tables will instantly turn.

Talk about your goals within the first few minutes of the presentation

Choose your presentation design which corresponds with your goals, which should be introduced to your audience as early as possible. This will help your audience to correlate what you are expressing with the ‘why’ and ‘what’ you want to achieve.

Never underestimate the impact of a powerful image/quote

A business presentation is usually a collection of fertile ideas, knit together as one to illustrate a larger picture. So, the smart use of different images/quotes to introduce different ideas will supply more power to your presentation. Vocalizing the quotes or speaking few important words out loud will bring your presentation to life, especially if the presentation has numerous bar graphs, bullet points, and pie charts.

GIVE YOUR AUDIENCE THE POWER TO BRAINSTORM OVER YOUR QUESTIONS

One of the unbeatable ways to make your presentation more interactive is to begin it with a question which you, yourself will answer. Like you can start with “I asked myself what all can my team will be able to do and contribution for making this project a success?”. So, based on this question you can build up your presentation. Be alert to all the questions from your audience as they are icebergs of curiosity. The more you will suffice your audience, the stronger their trust will grow in you.

Be ready to tackle tough questions

Always be confident and logical at answering the questions from the audience. There will always be questions whose responses if given without solid facts and coherence, will put your image down in your crowd’s eyes. If you know your topic as well as you’re your audience, then always keep your business binary clean and do not ever shelve any question from the audience.

KEEP YOUR OWN QUESTIONS READY IF NOBODY ASKS YOU ANY

It could be a possibility that your audience is shy or somewhat hesitant to ask you questions about your presentations. Always remember, if you face this kind of a situation, then always compose a question to yourself because ‘zero curiosity’ turns into ‘zero interest’ overnight.

Take your crowd on a final journey

Always take your crowd on a final journey before you wrap up the presentation. Highlight all the important points and tell the crowd how they will be productive if given proper attention by the appropriate crowd.

Keeping the immense support in mind which we get from the PowerPoint presentations, one should also be able to support her/himself equally well during the closing moments of the presentation because humans invented the PowerPoint and not vice versa.