Introduction to Buying Website Traffic

From the moment the Internet appeared, lots of users used it to seek ideas, solutions or entertainment. So the important question is: how can you bring these people to your site? There are lots of manners for you to do this: promote your website, optimize it for search engine ranking, advertise on it, link to other sites or purchase traffic.

But is purchasing traffic a good idea?

This question can be answered with both yes and no. You will want and need to purchase real traffic to your website, but at the same time you should know that purchasing traffic for your website can be quite risky. When you are purchasing targeted traffic in order to increase your exposure or generate sales, you do not have a guarantee that will actually obtain sales from the traffic you’ve bought. But you still can hope to change the traffic into sales if your site has what the potential buyer is looking for.

Cheap

Purchasing untargeted traffic is a very cheap source of traffic, but it is extremely unpredictable. You can’t expect a lot of conversion out of it. Thus, this is a great solution to increase the potential rank of your website, but at the same time it can lead to massive loss. Make sure you don’t purchase fake traffic. This can be obtained through spam or bots. The last thing you need is to purchase traffic that was forced. For instance, the pop ups can drive a person crazy every time he or she opens a site. Those who open a site that contains a pop up usually choose to leave because they get distracted and annoyed by this. This is a sure way to drive people away.
What traffic is good for you?

There are various manners in which one can obtain paid traffic. But all the methods revolve around the quality traffic. Of course, the organic traffic would be more than welcomed, but we all know that it might take too long to get it. In fact, playing with SEO techniques is not the easiest thing in the world. That is if you want to make money fast. However, if you purchase site traffic, you will get it instantly and you will not have to pray to the Google god in order to make your site matter. This is the main reason why purchasing site traffic is extremely popular.

Let’s not examine the popular methods of buying traffic just yet. Before getting into that, it is vital to keep in mind the following phrase: return on investment (or ROI). Purchasing traffic is definitely risky. Any type of advertising has its risks. You will be paying to get traffic, so you will have to get a profit. The paid traffic is extremely expensive and cannot be used for branding (internet marketers or business owners know what I am saying). But we will get to that soon.

For now, let’s talk about the primary ways to get traffic (the paid type).

Media Buys

For this you will have to know who your target audience is and where to reach them. Lots of people use this method in order to purchase banner space for their sites.

It is true that the AdWords program allows you to buy banners on the network, but there are lots of options when it comes to this topic: ad and social networks, co-registration offers, or direct buys. The last option can bring you high traffic sites in your niche and can help you select the ones that fit your advertising needs.

PPC Advertising

This is the most influential traffic because it comes from accurate searches. Lots of persons are interested in what you have to offer. Facebook, Google AdWords or Yahoo Search are just 3 of the PPC programs which permit buying a space for ads, depending on a clear list of keywords. This way you can control the delivered traffic and tweak the existent campaigns in order to increase the ROI. Remember that there are a few advertisers that place the name of their company in the title of the text dedicated for branding. However, if you want to make the best out of your ROI, concentrate on keywords related to product names.

CPV Traffic

The cost per view method is quite cheap, but at the same time it is a very complicated paid traffic source that doesn’t bring back an important return. You don’t have a lot of options in this case and you have to pay per every impression. Which is not the case for the cost per thousand method. In this case, traffic is delivered under the form of page ads (full pop unders or overs) to those who have previously agreed to receive it. They do this by adding different software with or without their knowledge. However, keep in mind that this type of traffic is still new and it has little competition. So it doesn’t hurt to look.

Mobile advertising

And last but not least, the mobile marketing technique has become quite popular, since lots of people browse the Internet from the phone. If you want to try this method, check AdMob Network from Google. This has started small and it is now an important source. So if you handle an offline business, verify the text message marketing and you will see that the response rate will be higher.

There are lots of options when it comes to purchasing web traffic. Only you can decide which one is more suited for you. Keep in mind the important elements: the ROI and the conversions. Try new stuff and go with the options that work!

Claiming Compensation For Personal Injury – Myth V Reality

Myth 1

We live in a compensation culture where people sue at the drop of a hat for even the most trivial injuries.

Reality 1

In order to make a successful claim for personal injury compensation you have to prove that you have been hurt or injured. Unless the evidence supports the claim the case has no chance of success, ever, period. Spurious damages claims may grab the headlines but they will never see the light of day in court. Anyone can claim compensation but it’s the follow-through that counts and the papers never report on the half-baked claims that never succeed.

We are only concerned here about real people who have suffered real injuries.

The fact is that many people still don’t realise that they have a right to claim compensation if they have been hurt or injured in an accident that wasn’t their fault.

We know from research carried out by the Citizens Advice Bureau that over 60% of people entitled to make a claim for compensation fail to do so. From our own experience, we find that many people who go on to become clients of the firm are unsure about making a claim for a variety of reasons. It’s our job to help accident victims and their families understand their rights and guide them through the legal process.

We understand that some people are affected by the myth of a ‘compensation culture’ and may be concerned about what family and friends will think if they make a claim. Passengers injured in a car driven by a family member or a friend can become distressed by the very thought of seeking damages and workers can be unwilling to claim against their employers.

Myth 2

People who claim compensation for personal injury are just looking for a source of extra money

Reality 2

The key issue for the injured person and their family is whether they can afford not to seek damages, particularly if they are unable to continue working or have to change jobs as a result of their accident.

In any event, the amount of money awarded is far from being a ‘lottery’ win. In the UK damages in personal injury cases are based on very precise calculations, refined over many years, which reflect the extent of the injury and the earning capacity of the victim. The process is designed with one aim in mind – to put the injured party back to where they were before the accident. Thus a twisted ankle claim will not attract a multi-million pound sum, whereas a brain-injured survivor of a road traffic accident might well receive a very large sum of money to pay for a lifetime of medical care.

Myth 3

The insurance company will look after my interests – they have already offered me a cheque.

Reality 3

Insurance companies are not registered charities. They have a statutory duty to their shareholders to maintain and enhance their levels of profitability and that means they will fight to totally repudiate or reduce the value of your claim.

It is not uncommon for accident victims to receive an offer direct from an insurance company in the immediate aftermath of their injury and before the full extent of any physical damage has been assessed ‘in full and final settlement’ of their claim. The motivation behind this offer is to reduce the insurance company’s costs by enticing accident victims with a tempting sum of money which is designed to prevent any future claim. Once this money has been accepted that’s it – claim over, regardless of any medical complications yet to be diagnosed.

Myth 4

Claiming compensation is costly and difficult.

Reality 4

Like any legal process, making a claim for compensation requires a certain level of expertise and experience. That’s what specialist personal injury lawyers are trained to do. The best lawyers will review your case totally free of charge, take on all the work and negotiate on your behalf with the insurance companies and their representatives. If they lose the case you pay nothing, if they win your case you will normally pay a pre-arranged percentage of your award.

Although the vast majority of claims settle out of court, it is vital that your case is thoroughly prepared and ready to go to court if required. Make no mistake, you need an experienced personal injury solicitor on your side who will push the insurance company’s legal team to settle your case in your favour, not someone who will sit meekly by and accept whatever is on offer. Going to court can be a bit daunting but your solicitor will be with you every step of the way to give you all the help and support you need.

Myth 5

A 100% compensation deal is better than ‘no win no fee’ if my lawyer takes a success fee.

Reality 5

Anybody can say yes to an insurance company’s initial offer. If you are on a 100% compensation deal you will get 100% of that sum, no problem, or is it? You should consider the value you place on your lawyer’s expertise and track record – check them out. The best lawyers know how to win the big awards and they are well resourced to take on the insurance industry and after all, 80% of £10,000 is considerably more than 100% of £5,000.

If you do decide to make a claim you have a bewildering choice of compensation claims ‘specialists’ lining up to help, so what do you need to consider before you lift the phone?

1. Can I claim?

If you have been hurt or injured in an accident within the last 3 years that wasn’t your fault, or if you have been diagnosed with an industrial illness or disease within the last 7 years, you are entitled to make a claim. There are special time limits applying to claims made on behalf of children.

The key phrase is: ‘entitled to make a claim’. Whether or not your claim is successful is dependent upon the strength of the evidence and the skill, experience and commitment of a specialist personal injury solicitor who will help you decide if your claim is worth pursuing in the first place.

It is vitally important to let a qualified solicitor advise on the merits of your claim. Over the years we have been able to secure substantial awards for people who thought that their actions, or lack of action (e.g. not wearing a seat belt) would drastically reduce the value of their damages or even cause their claim to be thrown out altogether. So, if you don’t want to get injured twice, get proper legal advice.

2. Who should I talk to?

There is no substitute for experience. If your injury is serious and your claim is undervalued you run a real risk of compromising your family’s financial future. Even relatively minor claims in the wrong hands can cost the accident victim several thousand pounds in ‘lost’ damages.

3. Solicitor or claims company?

It’s not quite that simple.

Many solicitors in general practice will take on personal injury cases but you have to ask yourself if they have the expertise to handle your claim. A solicitor who deals with house sales and family law matters in the morning is perhaps not the best person to be handling your personal injury claim in the afternoon.

Some specialist personal injury firms who work on behalf of accident victims (i.e. the pursuers) also work for the very insurance companies (i.e. the defenders) who are being sued by accident victims. It would be in your interest to know if the firm you are thinking about contacting is totally committed to fighting for the rights of injured people.

Despite appearances, claims companies are not firms of solicitors and they cannot pursue your claim in the Scottish courts. Claims companies operate under different guises, but they share one common characteristic – they are basically middlemen who match your claim with a solicitor from a panel. All you have done by not directly contacting a solicitor of your own choosing is added an unnecessary layer of bureaucracy and cost between you and the successful resolution of your claim.

4. Regulation

Scottish solicitors are regulated by the Law Society of Scotland. Unlike in England & Wales, there is no regulation of claims companies in Scotland.

Andy Thorogood is the Practice Development Manager at Bonnar & Company Solicitors, a leading firm of personal injury solicitors and accident compensation claim specialists with offices across Scotland.

Bonnar & Company has over 30 years’ experience of personal injury claims in Scotland and only ever works on behalf of accident victims and their families.

Top Ten Characteristics Most Often Found in Great Family Businesses

“Good is the enemy of great,” proclaims Jim Collins in his landmark bestselling book “Good to GREAT.” To achieve greatness in business, Collins’ research shows, among other things, that leaders must:
– Face the brutal facts
– Get the right people on the bus, in the right seats
– Become the best in the world at something (The Hedgehog Concept)
– Know what you are deeply passionate about
– Know what drives your company’s economic engine

And how does Collins’ research team measure the transition from good to great? The primary metric used was financial performance as reflected in the stock values of these businesses. The 11 companies selected had to have “experienced 15-year cumulative stock returns that were at or below the general stock market, punctuated by a transition point, then cumulative returns at least three times the market over the next fifteen years.”

These companies are:
Abbott
Circuit City
Gillette
Fannie Mae
Kroger
Philip Morris
Kimberly-Clark
Wells Fargo
Walgreens
Nucor
Pitney Bowes

As you can see from this list, achieving greatness does not guarantee staying great. One company is bankrupt; others have declined, leading to Collins’ latest book: “How the Mighty Fall.” However in both of these books, like so much of business research, the companies studied are publicly traded in large part because these companies generate objective data that are accessible and can be analyzed and compared.

Since most family businesses are privately-held and many keep numbers confidential, it is much more difficult to access quantitative data, making them more difficult to study. We do not possess the body of knowledge about when family businesses may have transitioned from an average or good company to a great company. So, what makes a family business great? In fact, there is no single definition or metric for a good family enterprise or a great family enterprise. Financial performance is just one important indicator of a successful company. For family businesses, we find that greatness goes beyond an ROI (return on investment) or EBITDA (earnings before interest, taxes, depreciation and amortization) number. In fact, over the years of working with family businesses, certain attributes have emerged that can arguably be tied to greatness. The following are 10 distinguishing characteristics most often found in great family businesses.

1. Living Shared Values: Great family enterprises consist of families that understand their values and guiding principles and truly live them in their business decisions and actions. The Mogi family (producers of Kikoman Soy Sauce and now in its 17th generation) created a family constitution in the late 1800s that includes 16 guiding principles. As an example, number 15 describes the trait of humility “…never think highly of yourself.” In great family businesses, values are the bedrock. In fact, John Ward (one of the founders of FBCG) has stated, “values pervade every aspect of family business. Values are the independent variable shaping every dimension of family business management.” Great enterprising families use their values to help guide key decisions regarding strategy, structure, diversification, culture, employee recruitment, governance and very importantly-succession.

2. Strong Financial Performance AND More! Just as Collins points out for public companies, family-owned businesses must also demonstrate continuous strong financial results. In fact, as a collective group, family businesses have shown strong long term financial performance. A McKinsey study shows that over time family-owned businesses financially out-perform other businesses by 7 to 8 percent but a great family company is not ONLY measured by profitability. Many family businesses have helped develop the more encompassing concept of the Triple Bottom Line: economic, environmental and community. Great family enterprises, while economically strong, are also stewards of the environment and often lead in the development of eco-friendly products and practices. In addition, communities around the world benefit significantly from the philanthropy displayed by great family companies.

3. Evolving Governance: As a family and a family business grow and become more complex, the need to govern beyond an owner/operator approach is vital. Those family enterprises with carefully blended key elements of governance have positioned themselves for much greater success. An active board of directors that includes independent outside directors sets the oversight tone in the business. On the family side, a family council can capture the voice of the family and effectively communicate the needs and concerns of the family to the board. This entity can help develop guiding documents, such as a Family Constitution, which includes policies or guidelines (e.g., family member employment policy or
compensation guidelines) that clarify the “rules of the road” where family and business intersect. In addition, an ownership council may be appropriate if the shareholder pool has become fairly large. This oversight structure for ownership provides the correct forum for discussing issues around ownership priorities. Great family enterprises evolve a governance structure which often leads to both greater business performance AND greater family unity.

4. Family Involvement: The degree to which family members actively participate in the family enterprise is also indicative of greatness. Participation can be as a business leader, shareholder, board member, employee or even simply a proud owner. Great family businesses demonstrate a high level of family member involvement be it in the business, on the board, or simply as active and committed owners. Owners of great family businesses do not simply hold a share certificate and expect dividends; they are aware of the responsibilities that come with ownership and feel a certain amount of “psychological ownership” of this asset-it is NOT just another investment holding.

5. Conservative Money Management: Long-lasting family enterprises demonstrate a remarkably low level of debt to operate and grow the business. Once a family business gets past its start-up phase, great family-owned companies are very careful of how leveraged they become. Most plow funds generated from the business back into the business, opting for building the business over excessive distributions.
In addition, great family enterprises are patient with their capital, willing to wait and be more deliberate in achieving a return.

6. Effective Paradox Management: Family enterprises are full of paradoxes or polarities that need to be managed, such as merit-base pay versus family member perks or acceptance of family members versus need to challenge family members. According to Greg Page, President and CEO of giant family firm Cargill: “In this world full of paradoxes, companies that manage paradoxes well out-perform companies that don’t.” Great enterprising families are able to walk along the precipice and effectively balance the dual forces of “Family First” and “Business First”, never sacrificing one for the other.

7. Planning (strategic & succession): Less than a third of family businesses have a written strategic business plan. Studies show that a business with a written strategic business plan outperforms those without one. In a family enterprise, a key component of comprehensive strategic planning is a succession plan for both leadership and ownership. Family businesses that develop a strategic business plan and a succession plan think through these processes, engage others and end up with a more robust direction for the business and family. The planning process helps to incorporate calculated risk taking and balances the senior generation’s need for more wealth preservation with the younger generation’s desire for more wealth creation. In addition, a transparent process that involves as many stakeholders as possible builds trust and consensus around these complex choices that will affect both the business and the family.

8. Diversification & Growth: Great family enterprises build on their core strengths, competitive advantages and relevant opportunities. In some respects, this is managing the paradox of sticking to your knitting while broadening your offering. There is also a strong paradox in a family enterprise of respecting what got us here (work processes, traditions and innovations of the senior generations) while staying current with the marketplace and giving a voice to ideas from the younger folks involved in the system. Diversifying into other offerings often leads to greater career opportunities for the next generation, which can be very important as the family grows. Many family-owned businesses came into being because they created some kind of innovative product or service. Great family-owned businesses continuously look at ways to innovate in many areas: products, processes, services, business models, promotion, distribution and governance.

9. Blending Family and Non-Family: A family enterprise cannot become great alone. It takes an effective combination of family members and non-family members, who often feel like a part of the family, to generate the power needed to move to a higher level. Those family businesses who appreciate this fact, and have chosen the best person for the position, regardless of family connection, usually attain greater heights.

10. Multi-generational Endurance: The survival statistics of family-owned businesses are regularly cited. Only about one third of these companies survive through the second generation; 12-15 percent through the third generation; and then less than 4 percent for following generations. It’s just plain difficult to get into the fourth generation. Therefore, by shear endurance, those family enterprises that have made it to the third generation and beyond have already achieved at least one meaningful measure of greatness.

Today, a combined score of these 10 attributes does not exist. As with so many elements of family business, a greatness score would include a combination of some hard facts, like operating profit, and many softer, tougher-to-measure elements, like family unity and contributions to the community.

White Collar Criminality and Upper Class Rationality

The pervasive existence of upscale criminal behavior throughout U.S. society reaches from the boardroom to the courtroom. Such perversity does not stop at the steps to the state capital just because a hallowed quotation hangs over the portico. In addition, regardless of an “infotainment” culture’s fixation on street crimes, the devastating impact of “white collar” corruption deteriorates the very core of the American political and economic system. While violent crimes are serious, the institutional destructiveness in corruptive collusions remains callously counterproductive in extraordinary ways. It threatens the demise of the republic and hastens human regression toward eventual extinction.

With an amative sense of entitlement for what they “deserve”, the criminality is one of easy rationalization, for the sake of self-gratification. For the public, as in mainstream media, the fascination with news reports of horrific crimes, such as murder, rape and robbery, distracts from the necessity of attentive mindfulness for the serious nature of corporate and political criminality. Arrogance in selfishness for personal pleasure in the satiation of advantage over others is not a new phenomenon. American history is filled with myriad examples of the salaciousness by which some people use their socio-economic position to exploit, oppress and manipulate others.

Upper class, upper world or upscale criminal behaviors, whatever descriptor you choose, reflect premeditated intentional purposes to perpetrate “antisocial” unlawful behaviors on the majority. As in all criminal behavior, the criminal thinking processes are the result of freely chosen actions that bring harm to others for personal gain. By private desire, individual proclivity, targets of opportunity and skilled ability, higher social realms of criminality inflict grievous harms upon society.

Where a small disproportionate number of powerful, socially well-established and influential people control a majority of earthly resources, there are plenty of opportunities for illegality. Such is an age-old saga of humankind upon the planet. As one percent controls over half the earth’s resources, with access to trillions of dollars of wealth, one might quickly query the nature of economic disparity. For all the religious ideologies proselytizing sharing, caring, giving and receiving, you might ponder the debauchery of the dogmatic hypocrisy. For the scales of justice, where is the slant?

In terms of societal costs, data is frequently difficult to summarize relative to non-street level criminality. For the corporate and political criminal, the amount of social damage they inflict is a cultural cost figure that is not an exact measurement. Some thirty years ago, one calculation by a national business organization put the cost factors in the range of $40 to $50 billion annually. Dollar losses to the American taxpayer by comparison to street crimes, today “white collar” crime is likely a 100 times greater. Major offences include crimes such as bribery, fraud, kickbacks, and securities violations and assorted other related criminalities, with the costs that are much higher.

Currently some research sources suggest the estimated costs to be in excess of $400 billion to nearly $1.5 to $2 trillion. Those are probabilities based a range of criminal incidents. These include techno crimes, corporate spying, employee theft, counterfeiting of all kinds, telecom fraud, credit card fraud, money laundering, insurance swindles, and various illicit marketing schemes. However, that information may not account for the total damage and losses instigated via the internet, identity theft, computer hacking, etc. Fraudulent consumer schemes are the tip of the proverbial human “iceberg” of criminal perpetration. In endless ways, people exploit each other by horrific means.

By similar frame of reference, the aforementioned crimes illustrate some of examples of the corporate and institutional aspects of non-traditional criminalities. Such are by no means the limits to which greedy, arrogant and self-righteous criminals go to ensure their own personal gains. Of course, there are further incident types that can be more invasive and deadly. Unsafe products for instance, recalls, injuries and deaths, could potentially add several billions in costs to the losses inflicted upon others. In addition, there is still more in terms of organized crime, terroristic and cultic collusions, human trafficking, religious frauds and schemes. Do not forget environmental crimes as well.

By ruthless and predatory practices, purposeful and deceptively premeditated, con artists inflict their illicit schemes across a diverse opportunistic spectrum. From the misfortunes of climatic catastrophe, to war profiteering, criminals exploit every opportunity throughout the social culture. Herein, let us use “white collar” crime as a catchall term for the illicit activities of individuals and organizations. Some might suggest a distinction between what constitutes “corporate crime” versus “white collar” criminality, but for purposes here, we will blur any such variations.

Illegalities directed against others, whether by one or more persons, in or by a particular organization, or institution, by malevolent means of position, power and influence, etc., gain is maximized regardless of harm, constitutes so-called “white collar” crimes. These cunningly premeditated malicious actions are not within the usual conception of traditional crimes, like murder, rape and robbery. Regardless though, the effects on other people are just as dangerous and socially regressive.

Whether upscale or lower scale, the criminal’s purposes remain the same. Criminal causality surfaces from the deepest realms of selfishness within the individual. On a prurient level of self-gratification, it is about them, getting what they want, and taking shortcuts to get it. Crimes perpetrated are for the material and mental benefit of the lawless person or persons. Collectively, his or her conspiratorial aims may involve collaborators in a larger scheme to defraud community processes.

There are no excuses, fabricated alibis or scapegoating mitigations, for the illicit degradations committed that harm other people. As mentioned at the outset, “upscale” means political, social and economic placement at a higher level than the “average” person in society has access. It is used here to refer to those who have an unequal advantage over others by political “inheritance”, patronage, economic ascendency, or social class status. Some use descriptive terms as an “oligarchy of the wealthy”, the American “political nobility”, or the “new elites”, which encourages a sense of entitlement. Of which, some will use to their greater enrichment.

With an accepted sense of socio-political “inheritance”, or favored economic advantage, the divide between rich and poor devolves into greater divisiveness. Within the particular position of advantage, the criminal makes his or her choices as to the malevolent proclivities he or she will inflict. Suffice it to say, non-traditional criminality has enormous costs associated with the commission of each violation. In similar ways to traditional street crimes, white-collar crime can be viewed as potentially violent. Some have characterized this to “delayed violence” in varying degrees.

Postponed inflictions of deadly results upon others might come in the form of environmental pollution, or contaminated food products, as well as unsafe consumer products. Hazardous materials dumped in waterways, or drugs with dangerous side effects are but a few of the possible consequences inflected for personal gain.

Bogus, counterfeit and deceptive practices, prognoses and predictions quicken the pace by which a culture eventually destroys itself. Yet, one might ask or perhaps investigate the query, as to the nature of widespread ignorance in the acceptance of anything less than honorably good intentioned interactions. Nonetheless, vast arrays of excuses conspire continuously to foolishly explain away the destructiveness of pernicious self-indulgence, corruption and sordid exploitations.

Again, and exceptionally pervasive, according to one source at the federal level, white criminals cost us losses in the trillion dollar range. At yet, our fixation focuses primarily on street, as opposed to the executive suite. From mass media deceptions and outright fraudulent reporting, to congregational manipulation of “faith healing” swindlers, the diversity of corruption wears many faces. While backgrounds may differ among “white collar” criminals and their street level counterpart, they are thugs applying purposeful skills in different settings. They share a “seduction” in the excitement of violating something that belongs to someone for selfish satiation.

In amative self-indulgence for the excitation for the primal thrill, the criminal, at any level of social strata, relishes in the whole experience of his or her chosen criminality. They know exactly what they are doing, what they want, whom they are going to do it to, and how they are going to get it. Education, background, experience and selection of criminality interact within the particularity of the individual’s skill set. Feeling entitled, unique, special and above the law, they freely choose their courses of action. Arrogant and self-assured, one criminal uses a gun, the other a computer.

For the enrichment of their position, power, control and gross sense of materialism, the criminal overcomes any concern about the consequences the harm they cause. He or she is all about self-interests, immediate gratifications and the foolishness of simplistic thinking. With that though, it should be pointed out that anyone is capable of the most heinous kinds of behaviors. Horrible degradations and murderous oppression have and continue to be carried out against other human beings.

From cultic exclusivity and corporate complicity, to organized crime tyranny and terroristic religiosity, beliefs systems are rationalized to excuse horrible debaucheries of human civilization. Deceptions abound in myriad fallacies of inferential perpetration for hasty generalizations that scheme an illicit gambit of social deterioration.

Nevertheless, for the heroic few, those who endeavor to change themselves over time, without fixation on the materiality of primal satiation, are those who more clearly see the illusions of the malevolence. By the virtue of wise ethical precepts in liberated individuality, with insistence upon enlightened transformation, purposeful from inner depths of maturation and willful selfless perseverance, become more evolved than the rest. Some see the folly of the gluttonous self-indulgence in selfish gratification.

Regardless, along the vast reaches of the social spectrum, among various levels of elitism, there are the devolving perpetrators of societal degradation. Competition colludes in varying degrees, whereby the accumulation of fame, fortune and fiction, transgresses against the good intentions of others. Within those regressive ranks of exploitation of deceitful opportunists, the oligarchs of wealth will use any means to tyrannize others for continued enrichment. In the upper tiers, who is punished for their crimes?

So-called “white collar” criminality spans many areas of communal interactions, as well as societal institutions, and encompasses a range of unethical and unlawful behaviors. The looting of the taxpayer at all levels of government, to ensure non-failure of corporate criminals, absent sure and swift prosecution, aids and abets the devolution of the human species. Never mind what some politicians pontificate about “work harder”, “get better educated”, to encourage success and consume more.

Consider that living among us, the best educated, most successful, richest, powerful and very influential, perpetrate the most heinous financial crimes imaginable. Not unlike the affinity for illicit hedonistic proclivities of their street level counterparts, the upper class criminal remains just as arrogant, self-indulgent and ruthlessly selfish. Egoistic in every calculating and deceptive way, the “chair-borne” criminal sees easy rationalization in over-simplifying his or her crimes. Abuse of others is amatively exciting.

At the same time, they enjoy the enrichment, the psychological gain, and naturally the profit from the suffering others. However, for the vast majority of people, wishful thinking pursues the illusion that everyone is “basically good”, and there’s always an “excuse” for the intentional victimization of others. Regardless, debasing poverty pervades a world civilization that should have ascended ages ago. Factions, states and religions war as they always have centuries long past. Exploitation and waste of the earth’s natural resources continues as though it’s business as usual.

At the expense of the majority of planetary inhabitants, the elite few are facilitate a “culture” of entitled exceptionality. By corporate and government collusions, maintained by collaborative socio-political and economic connections, a handful of the most affluent people control a majority of the planet’s wealth. In so doing, some of them contrive adversely to render others exploitable, consumable and expendable. Over time, as though a kind of “wealthy aristocracy”, they ensure their insulation, aloof status and protected elite status. Such corrupt potentialities exist in every aspect of society.

Large or small, climbing or already at the top of their particular sphere, the criminal will persist in debasing the infrastructure of society to every extent possible. They will use every ruse anyone chooses to believe, with ready accomplices everywhere. One such successful mega sphere of adverse influence, and accessory to untenable excuses, to aid and abet the criminal, is the vast interwoven collaborations of the “psycho-medical-pharmaceutical industrial complex”. From psychologist to psychiatrist, to medical “treatment” and psychotropic cure-all medication, any excuse for a price can be easily conjured. Alibis for criminality come in all kinds of prevarications.

With little or no regard for others, the cultic conspirator, the gangland mobster, the terroristic ideologue, the self-help guru, as well as the upper class monopolist, all fit within the willful deviance of hedonistic gain. They share kinship with their street level criminal counterparts. Controlling and otherwise diminishing any semblance of empathy for others, for the satiation of egoistic centeredness, and to facilitate primal urges, the con artist smugly revels in his or her “dog eat dog” purposefulness.

Make no mistake contrary to popular depiction the so-called “psychopath” is not that different from the neighbor next door. Deception is the game and personal gain is their fame. Everyone develops some capacity for deceiving another person. We all do it in different ways given particular circumstances, based on personal belief systems, and contingent on goal orientation. For one who chooses to cross the line of civility, he or she is selfish and expects to get his or her way no matter what it takes.

The criminal will endeavor find a shortcut around responsibility and subsequent accountability. To think otherwise, not only deceives oneself in willful naiveté, but also gives the criminal an escape mechanism to avoid sanctions. Typically, excuses usually come in the form of explaining away criminality by blaming others or the environment.

Criminality is at the very core of selfish thinking on the part of everyone. Each person is a variation on theme of deception, dishonesty and devolution, as all perpetrate their biases and prejudicial behaviors in one fashion or another. In cross-cultural mix of conflict and consensus, gain seeks the advantage over another. While various actions of one sort or another may not be explicitly illegal, ethical issues arise to the morality of an array of interactions. Small-scale deceit on the part of some may by contrast become a large-scale economic meltdown on the part of others.

A particular statute, or set of rule requirements, guidelines etc., might not detail specific violations. Nevertheless, at the end of day what are the behavioral indications where one chooses to do certain acts that could bring harm to others? As suggested earlier, the permeation infiltrates every aspect of society. Yet, certain schools of thought have become so easily believed in American society, that we explain away everything. In the “psycho-medical-pharmaceutical industrial complex”, (aka “P+M+P = pimp”), we can quickly render a “diagnosis”, come up with an excuse, and rationalize simplistic justification. The infotainment industry is good at finding “alibis”.

Meanwhile, the cost of so-called “white collar” criminality is astronomical in comparison to “street crimes”. Where does communal consensus focus the most? Or, where do the halls of academia assert the outcry of a “redress of grievances”? Typically, we move along the linear superficiality of easy conjecture. What is trending? What are politicians regurgitating? What is the latest poll say about what people generally know little about in the first place? We fixate on misperceptions about the greater evil.

Corruption at all levels, including grotesquely incessant advertising for exploitive consumption and specious unscientific speculations about nearly everything reflect a devolving society. Stupidity ponders its ignorance and scoffs at disbelief in the smug arrogance of disingenuous over-simplifications and erroneous rationalizations.

On the campaign trail, political candidates, backed by an array of corporate sponsors and special interests, assert meaningless slogans, feel good hollowness and empty platitudes. Frequently, their unsubstantiated claims and shallow actions pass without retribution. In the resonance of power, status and collusive influence, legality tends to favor the few. Absent the clamor of demand for forthright accountability, we excuse white-collar criminality in the subterfuge of upper class rationality.

Navigating the Health Claim Maze

The second half of getting sick is fussing with the health insurance claims process. I have some tips to pass-on from my own health claims experiences that might help you navigate this maze. Since I also sell health insurance, my understanding of the process and structure gives me an added perspective. This is not a rant on health insurance business or healthcare – just some techniques that can be helpful.

I am way too experienced in running the Health Claim Maze. Unfortunately, I lost my older brother to cancer last year and as his friend, and later executor, had the task of helping on the insurance issues.

First the Good News

I have always gotten the right answer eventually from every health insurance company on every health claim I have dealt with. Each and every insurance company honored their insurance policy and correctly paid what was due (or had a valid reason to decline a claim). Most claims were handled correctly and timely without any intervention.

This included the Kansas Health Insurance Association (the Kansas health insurance risk pool) which paid over $500,000 for my brother’s lymphoma treatments over his two year illness. It gave him access to any treatments that were appropriate. The final cost to him, in addition to his monthly premium, was his deductible and cost sharing of $3000 for each of the two years ($6000 total).

The core value of any health insurance plan is offsetting the huge financial risk of a major illness or injury and getting you access to the treatment you need.

Choosing the Right Insurance Company

Claims service matters. Unfortunately, most folks select insurance companies based on price and not value. An important value to consider is the ease of getting help if you have a claim.

Look for an insurance company that has kept their claims call center in the United States. Nothing will make the claims process more frustrating than trying to get help on a complex health claim over a bad phone connection with someone who is talking a different version of English. Avoid any insurance company that has chosen the cheap off-shore claims helpline strategy.

Second, ask around about the claims service reputation of an insurance company. This is a good question for your insurance agent. Some insurance companies focus on making the claims process easier while others only offer only adequate service. It is worth paying more and getting the quality service.

Organization Matters

Setup a filing system to keep all claim benefit paperwork. Since the annual insurance deductible follows the calendar year, it is helpful to sort any claims “Explanation of Benefits” by the year the healthcare service was rendered. At the very least, have a box or file to toss any health insurance paperwork – keep it all. You will need this paper trail if a major health claim problem erupts.

If you are dealing with a major illness with a high volume of claims documents you will need a more advanced filing concept. For my brother, I had three files for each year: 1. Paid Claims; 2. Claims in Process; 3. Claims being appealed. I also stapled any unpaid healthcare provider invoice or appeal letter with the claims documents. Within these files, all claims paperwork was sorted by date of service. With pounds of claim’s documents generated by my brother’s illness, organization of the paperwork was very important.

The Contract / Sales Booklet

Always keep in your file the actual health insurance contract and the detailed sales booklet. The sales booklet is much more accessible and a good starting point to understanding your benefits. I purposely send the detailed booklet to each of my clients when they apply for insurance. The contract is what the health insurance company is obligated to do in exchange for your premiums and is the final word on any dispute.

Troubleshooting the Maze

Most health insurance claims are automatically (particularly if you are “in network” with your healthcare providers) and correctly handled. With any organization, even if well intended and well run (I count most health insurance companies in this category), balls are still going to get dropped and mistakes will happen. Always treat the claims representatives politely (my wife’s very wise advice) and enlist them as allies.

Here are three primary claims problems with troubleshooting techniques that I have used:

Problem #1: Claim Denied

Health claims are often denied for minor technical reasons. Don’t panic. You have work to do.

First Action: Call the Insurance Company’s claims office and ask for an explanation. Why was the claim not paid? Often it is a simple problem that can be quickly corrected.

For example: a client that had a hospitalization ($45,000 three day hospital visit due to a heart rhythm problem), but had the claim initially declined by the insurance company. A phone call to the insurance company revealed they needed a detailed bill to process the claim but the hospital had only sent a summary bill. This was quickly resolved with a second call to the hospital. A payment for the claim (less policy deductible) was quickly sent.

Second Action: Appeal the Claim. You will see on any “Explanation of Benefits” a procedure to appeal any claim that has been denied. Follow this path (normally a mailed letter). Keep a copy of everything. You need to appeal within a limited time period. I made it a policy with my brother’s claims to appeal the same day I received any Explanation of Benefits that did not pay the claim. Always send an appeal by certified mail to establish the date the appeal was made and who it was sent to. An appeal forces a higher level of assessment and typically shifts the claim to a special claims appeal review department.

Third Action: Follow up the appeal with a phone call. Normally, you will get an appeal response by mail within a specific time frame outlined in the appeals process. If you don’t receive a timely response or a response that you don’t understand, call the claims appeal office and ask for help. Request a supervisor if you don’t get an adequate answer.

Fourth Action: Ask for a copy of the contract clause that impacts the claims outcome and reread it. Have the claims representative or the supervisor explain the contract language and why the claim is ineligible for payment. You will eventually get the right answer (I always have). If the right answer is a denial, you are owned an explanation you understand.

Problem #2: Past Due Notice from Health care Provider.

This is a warning flag – something has gone astray in the claims communication or processing and you need to figure it out. Intervention will be needed.

First Action: Confirm with the healthcare provider that the claim was properly filed. Several times, I have found that the provider never got the policy information and was unable to file a claim.

Example: Both times that my brother was taken to the hospital, the ambulance service was never given any insurance policy information. The late notices alerted me to call them and provide what they need to file the claim.

Second Action: Call the insurance claims call center and confirm that they received the claim. Ask for an explanation on why claim payment has been delayed. Discuss when the claim payment will be handled.

Third Action: Repeat if necessary. If not resolved after calling the provider and health insurance claim office a second time, request the insurance company to contact the healthcare provider and resolve the communication issue directly. If this is refused, see: “Fourth Action.”

Fourth Action: The “Poor Man’s Conference Call” – my favorite technique to deal with communication barriers between healthcare providers and claims processors. Get access to two difference phone lines (I normal use a land line and my cell phone) and call both of them at the same time with a phone at each ear. Force them to dialogue with you as the conduit until the problem is resolved or until they accept your request to discuss the problem directly without you.

The “Poor Man’s Conference Call” has worked both times I had to use it. Reserve it for your stubborn communication problems when you need a “nuclear option” to force direct contact to resolve a claim problem. Because of HIPAA rules and legal risks, it is normal for healthcare providers and insurance claims processors to be reluctant to discuss any claims issues directly. Health care is a crazy world with privacy, legal barriers, office procedures and multiple layers of processors that limit cooperation and foster communication impediments.

Problem #3: Out-of-Network

The best way to avoid claims paid at the much lower “Out-of-Network” rate is to make an honest attempt to use “In-Network” vendors. If you choose to use providers that are not on the preferred list, you will pay more out-of-pocket and often have to meet a higher deductible.

Below are situations in which you are forced to use providers outside of the prefer ranks:

First Situation: Emergency Treatment. The health insurance contracts that I am familiar with and sell make an exception for any network issues if you are unable to choose a preferred provider due to bonified medical emergency. Your claim will likely be processed initially based on the “Out-of-Network” rates and then you will need to appeal for claim payment based on the emergency treatment exception and request adjustment to an “In-Network” settlement.

Second Situation: No Ability to Select an In-Network Provider. I have appealed and been successful based on the argument that there was no opportunity to select a preferred provider.

Example: My brother was transported by an ambulance service that was summoned by calling 9-1-1. He had no control over which ambulance was dispatched. The ambulance service was not a preferred provider and the initial claim was figured based on “Out-of-Network” rates which left a substantial balance. After an appeal, this balance was paid by the insurance company.

Another example: You select an “In-network” facility but are assigned an “out-of-network” doctor or provider. My brother’s pathology sample was sent to a lab that was not a preferred provider. He had no control of the transaction and no ability to select who got his lab work. I again was successful on appeal.

Third Situation: No network provider available. Any health insurance contract that I am familiar with has an exception for any network issues if no preferred provider is reasonably available. You may have a basis to appeal if you can show that no provider on the network will take you or that none of the preferred providers are within a reasonable travel range.

Example: My brother’s doctor that specialized in infections was not a preferred provider. All of the claims from this provider were initially process as “Out-of-Network.” I was able to prove that no “Infections Doctor” that was on the preferred provider list was available to treat my brother within 30 miles. An appeal, based on network provider availability, was then successful and the claim adjusted.

Summary

While most health insurance claims are processed correctly, you still need to be prepared for the few that aren’t. Always follow-up with phone calls, ask for help and appeal an unfavorable outcome, if necessary. Be polite and enlist the claims representatives to be your allies. Remember, you deserve explanations that you can understand and help resolving any claims processing problems. I hope my organizational and troubleshooting tips are helpful.

4 Key Questions You Should Ask Before Bringing Your Road Traffic Accident Claim

Being involved in a road traffic accident is likely to be a traumatic experience, even if you walk away relatively unscathed physically the shock of such an event can leave you with psychological wounds that require treatment to heal properly.

Suffering an injury, either physical, physiological or both, can have a devastating effect on your life. Your injury could prevent you from working, either short term or long term, it could make hobbies you once enjoyed impossible, and it could have a negative effect on your relationships with friends and loved ones causing them to either become damaged or break down completely.

There is no way to estimate to effects that a road traffic accident can have on you, and while bringing a claim won’t change the fact that the accident has happened and you are living with the consequences, it can make those consequences easier to manage. Bringing a claim can help you support yourself financially while you get back on your feet, it can bring you closure on a traumatic part of your life, and it can help you find (and afford) treatment options that you were previously unaware of.

However, a claim is not something that should be started lightly; you should carefully consider the pros and cons of bringing a claim, as well as your likelihood of success.

If you are confident you would like to bring a claim then it can be difficult to know where to start, how do you get the ball rolling? Should you go it alone or get a solicitor? What should you be considering before starting a claim?

This article demonstrates four of the key questions you should be asking before you begin your claim to help you make the right decision for you.

Number one: Who was at fault for your accident?

To successfully bring a claim, you must prove three elements. That the Defendant ( the person you want to claim against) owed you a duty of care, that they breached that duty, and that their breach caused you an injury.

If the Defendant was another road user, e.g. a driver or cyclist then they will owe you a duty of care, you will not need to establish this as it is accepted under the law that all road users owe each other a duty of care.

You must next prove that the Defendant breached that duty of care. This means you must prove that it was the Defendant’s fault the accident happened. The easiest way to do this is either by collecting the police accident report (if the police attended the accident they would have produced a report which establishes who they believe was at fault), through dash cam footage, through CCTV footage if it is available or through witness statements.

If the accident was not the Defendants fault, then you will not be able to claim against them. Despite what a lot of adverts say having an accident is not enough to bring a claim, it must be someone else’s fault. It cannot be a genuine accident where no one was at fault, and it cannot have been your fault for you to successfully claim against a Defendant the accident must have been caused by them, at least in part. If there is more than one person at fault, e.g., both you and the Defendant are partly to blame, then you can still bring a claim but any compensation received will be diminished based on the percentage you are found to be at fault.

e.g., if the accident is 80% the Defendants fault and 20% your fault and the case settles for £10,000.00, then you will only receive 80% of £10,00000 as you were partly (20%) to blame.

Number Two: Do you want to bring a claim yourself or go through a solicitor?

If you bring your claim via a solicitor, then you will gain the advantage of having a seasoned legal professional or a team of legal professionals on your side who will run your claim from start to finish. A lot of solicitors will take a road traffic accident claim on a No Win No Fee basis; this means if you are unsuccessful you will not have to pay legal costs. Although you could still be liable for disbursements, disbursements being anything the firm has had to buy to move your case forward, e.g. copies of your medical records, and a medical report. If you win, you will have to use a percentage of your compensation to pay your solicitors. The legal costs in cases like this will be limited to usually 25% of your compensation.

If you bring the claim yourself, then you will have to do all the work yourself, and you will likely be going up against the Defendant’s insurers legal team which can be daunting. You will also have to pay any disbursements out of your pocket as and when they arise and then possibly be reimbursed for them later if you win.

However, if you are successful, you will keep 100% of your compensation.

Number Three: Do you use your insurer’s solicitors or find one yourself?

If you have car insurance, then you may be covered for legal claims and your insurer may run the claim for you using their own in house legal team. This can reduce stress for you as it means everything is taken care of for you and you do not usually have to worry about paying any disbursements if your claim is unsuccessful. However, you will never meet your legal team unless you go to court. All contact is likely to be done by email and over the telephone; you may not have a single claim handler but a team which could mean you talk to a different person each time you phone, although this depends on the company.

If you choose your solicitors, you can pick a firm local to you so you can physically go in and see someone. You can build a relationship with that person and deal with them throughout the process. You can physically drop in when you have questions and or documents you wish to provide.

Neither of these options is more qualified than the other, and it is your decision based on your preferences on how you wish to proceed.

Number Four: What funding options are available?

Most claims involving Road Traffic Accidents can be dealt with by a No Win No Fee Agreement, where should your case be unsuccessful, you will not have to pay any legal fees, but if you are successful, a portion of your compensation will go to the solicitor in legal fees.

You may be able to bring your claim using an existing insurance policy. Your Certificate of Insurance or Policy Schedule will usually state if your car insurance includes a legal expenses policy.

Using your existing insurance policy to bring your claim has an obvious financial advantage, being that it removes the risk from you regarding the need to pay for disbursements. The insurance company will cover your legal fees for your claim if you lose your case. Some insurers will not charge you the 25% if you are successful, but some will, make sure you clarify this with them before agreeing to let them run your claim.

If you are a member of the Trade Union or other similar organisation, they may cover the cost of your claim and may have their solicitors whom they can instruct on your behalf.

Lastly, you can self-fund a claim either by paying a solicitor privately or by running the claim yourself. If you decide to pay a solicitor privately, they then will submit monthly invoices to you, which you will then have to pay. It is likely they will also ask for a sum on account of work and disbursements.

If you decide to run your claim yourself, you will be required to pay the costs of the case as it progresses. This means paying the solicitor fees and disbursements that arise when they arise. You should discuss hourly rates and how many hours worth of work your case will involve with your solicitor. Keep in mind this is the most expensive way to run this type of case, and it will not be cheap. You could end up paying out more in legal fees than you receive in compensation.

BONUS QUESTION!

Was a friend with you in the car? Can you claim together?

While it won’t necessarily help or hinder your claim, having a friend to claim with can provide you with a unique support network. It will also give you someone to discuss matters with to help you recall events and give a voice to your concerns and thoughts.

In conclusion, deciding to bring a claim is never an easy decision or one that should be made lightly. It should be given much thought, and you should consider whether or not you have a valid legal claim, how you will fund your claim, and how you will progress your claim. If you are unsure about any of these elements a lot of solicitors offer a free advice session. Many firms will use a free advice session to assess whether or not you have a claim.

Bringing a claim yourself? Check out the below link for a step by step guide to bringing you own Road Traffic Accident claim.