Many people buying a holiday home or second home in the UK or in Europe are offered holiday home insurance cover by an insurer, broker, their foreign agent or notary. Of course it is too easy not to say "No", but the cover offered may not be suitable due to the special insurance requirements needed for a holiday home or second home.
With the risks of owning a second home abroad or in the UK being that much greater than your main home or residence, there is a real call for a second home insurance policy that is written in easy to understand English, that pays specific attention to the particular requirements for holiday homes, and that also has wide coverage.
Your holiday property insurance should also ensure that all local taxes on overseas properties are included within the premium. Buildings and Contents cover should be flexible so that owners do not end up paying for cover that they do not need. Not every property has a swimming pool. Certain features are considered to be of vital importance, and therefore overseas home insurance cover for loss of use, legal liability for domestic staff, public liability and accidental damage to domestic supplies should be included as standard.
The true value of any insurance is however only fully appreciated when a claim is made. You should be able to speak directly to experienced English staff that will provide assistance and be fully responsible for liaising with the overseas loss adjusters. Holiday home owners who own a property overseas and have overseas holiday home insurance should be spared the difficulties of discussing their claim with a foreign agent via a continental telephone call.
You might think that the best thing to go for is cheap holiday home insurance, but you really need to ask yourself whether you are really that well covered with the cheapest policy? Although low premium rates are often of importance, the overseas house insurance cover should be simple to understand, offer a high level of security and in the event of a claim a satisfactory result.
Using an insurance agent who does not specialize in, or fully understand the requirements of your holiday home or let property, you may find that you do not have adequate cover to fully protect your holiday home. It is essential that you get the correct property insurance to suit the specialized requirements needed for your holiday home. You must get specialist overseas holiday property insurance. And you must get insurance for buildings and contents designed exclusively for properties used as holiday homes or let for holiday use.
As an owner of a holiday home abroad, it is vital that you fully understand the extent and limitations of your insurance policy. Do you have cover for legal liability for domestic employees? What restrictions are in place when letting and un-occupancy etc? And most important of all what do you do in the event of a claim?
If your holiday home insurance policy has been placed through an insurance agent in the following countries: UK, Spain, France, Portugal, Italy, Cyprus Greece, Ireland, Malta, Monaco or Andorra , it is more likely that they have not informed you and that you simply do not know
2008/09/30
Chiropractic Fraud - Perception Vs Reality
Is health care fraud more prevalent in claims submitted by chiropractors than those submitted by members of other health care disciplines? When looking at the various news-sources, chiropractors are not found to make up either the lion-share of health care fraud charges or convictions reported.
Unfortunately, instances of fraud & abuse are present in ALL health care disciplines - Chiropractic, Medicine, Physical Therapy, etc. There is no single discipline that can lay claim to a proportionately higher rate of fraudulent conduct than any other health care discipline. However, despite this fact, there is an ongoing feeding-frenzy of insurers investigating chiropractic claims. These investigations go beyond simply evaluating either the merits or medical necessity of claims to determine if they should be paid.
Insurers are conducting 'post-payment' audits of claims paid in years past - focusing on purported documentation deficiencies in an effort to open the door for carriers to demand the money back! Chiropractors have found themselves faced with large refund demands from insurers. Why?
Is it because the services were not performed? No, the insurer verifies the performance of the services through talking with the patient. Is it because the chiropractor did not document having performed the service? No, the services in question are customarily documented as having been performed. Post-payment audits arise because the insurer has retroactively concluded, perhaps based upon some sense of entitlement, that the services were not documented sufficiently - i.e., to their satisfaction!
Insurers demanding refunds from providers for payments made - armed with allegations that providers failed to adequately document the services that were billed - file complaints with licensing & regulatory boards of the providers. If such complaints are made the real test will be in proving the documentation and standards were not met. The standards for documentation, as well as all other practice activity, for health care providers is established and defined by state health care licensing & regulatory boards. The boards, NOT the insurance companies, or managed care organizations, provide administrative oversight of the activity of licensees with sanctions for those who violate the laws and rules.
Allstate Insurance has established a clear-cut policy of suing chiropractors, alleging fraud and issuing press releases with the fanfare of a New Year's Day parade. News sources, including chiropractic periodicals, do little or nothing to either investigate or evaluate the factual bases of these suits prior to joining in lock-step to print the release giving Allstate the press it so desires.
The news media and public-at-large tend to believe that if Allstate sues a health care provider, alleging fraud, the provider must have engaged in fraudulent activities. It must mean that Allstate believes both they and their insured - were somehow defrauded by the provider's actions or conduct. It must also mean that Allstate relied upon the provider's misrepresentations when paying claims?
Well, that certainly was not the case according to the September 2007 decision rendered by the United States 5th Circuit Court of Appeals in the case of Allstate Insurance Co. et al. v. Receivables Finance Company, LLC et al. The Opinion handed down by the Court was that Allstate is a major player in the casualty business - thus when Allstate routinely reviews a health care bill submitted by a chiropractor, performs some form of utilization review on the provider's bill and ends up paying a significantly reduced sum based on the explanation that Allstate believed that a significant portion of the bill was either medically unnecessary or not properly documented and thus not subject to payment - Allstate cannot later come back and sue the same provider claiming that it was defrauded by some scam perpetrated by that same provider.
Nor was it the case, based on my personal knowledge, having worked with Accident & Injury Chiropractic ("A&I"), a named defendant in the case. In 1998, following the execution of search warrants by federal authorities, I assisted A&I on implementing a Health Care Compliance program, a program designed to detect and correct any improper, false or fraudulent action by the company and/or its health care providers- primarily chiropractors. Following A&I's implementation of their compliance program, the federal investigation was formally closed.
The Compliance program that A&I implemented included an intensive internal auditing, monitoring and reporting system to facilitate the identification and correction of any form(s) of misconduct. The Compliance program was well-publicized to insurers and others, who were invited to report their concerns relative to alleged improper conduct and/or activities of the clinics, as well as those chiropractors associated, to A&I's Compliance Board to have those concerns appropriately addressed.
Allstate was well aware of A&I's Compliance program implementation, but never, to my knowledge, reported any concerns Allstate had, Allstate alleged in its highly publicized lawsuit, to the Compliance Board. It is significant to note that, while other insurers in positions similar to that of Allstate, did report concerns and such concerns were sufficiently addressed and corrected to the insurers' satisfaction.
Although an integral part of the creation and implementation of A&I's Compliance program, the only contact I had with Allstate was after it had filed its lawsuit. This contact consisted of speaking with a paralegal of Allstate's attorney. The paralegal indicated she understood that I had assisted A&I with its Compliance program and Allstate's attorney would like to talk with me. On no occasion did I ever speak with Allstate's attorney. The only reason that I did not talk with Allstate's attorney is that Allstate's attorney refused to serve me with domesticated process as an out-of-state witness.
This brings us to Allstate's suit filed in Federal Court in Dallas, Texas in March 2008, viz, Allstate et al. v. Michael K. Plambeck, D.C., Chiropractic Strategies et al. In this suit, Allstate alleges that Plambeck, who owns and operates Chiropractic Strategies Group ("CSG"), orchestrated a multi-state scam involving doctors, lawyers and telemarketers cleverly designed to solicit auto accident victims for free chiropractic evaluations - asserting that these free screenings were some form of subterfuge to enable CSG doctors to "inform" the patients they had severe injuries and to encourage the patients to sign up for legal representation by attorneys in order to prosecute claims for insurance recoveries and/or to participate in lawsuits against Allstate Insurance.
In a March 6, 2008 press release, Allstate reported that the lawsuit against Plambeck was filed following an extensive investigation by their Special Investigative Unit. Edward Moran, Allstate assistant Vice President in charge of the Special Investigation Unit, was quoted as stating, "Insurance fraud is a billion dollar business that costs the average consumer $300 in higher insurance premiums every year... Allstate is aggressively pursuing the fight against insurance fraud to protect consumers and help keep insurance costs down".
This must have been an extensive investigation by Allstate's special investigators! For more than 10 years Allstate has known of the manner in which Dr. Plambeck conducted and operated his chiropractic clinics, as described in its press release!
As a Special Agent for the National Insurance Crime Bureau (NICB) I, as well as other investigative agencies - including Allstate, was familiar more than a decade ago with the specific type of alleged acts of misconduct described. In fact, Allstate's Complaint identified activity back to 1996.
Nothing new was found in the information provided in the (2008) release - except that the average costs passed on to insurance consumers by insurance companies has now risen to $300.00. This is up from figures of $100 to $200 cited in previous years.
Talk about righteous indignation, the major casualty insurance companies regularly complains in the media that those high costs they pass on to the public are the result of health care fraud on the part of chiropractors and other health care professionals. However, carriers rarely, if ever, mention that they operate out of luxurious office complexes and pay multi-million dollar salaries to their executives.
For example, the CEO of Allstate, in his first year on the job, received an annual compensation package worth over $10.7 million, while the departing CEO, received $18.8 million annually and $25.4 million in retirement benefits. Don't think for a minute that those costs are not passed on to consumers in the form of rate increases!
Allstate's press release on Plambeck contained a 'Call to Action,' asking persons who have knowledge of, or have been victimized by, the scheme alleged in a lawsuit filed against the chiropractic industry to report this information to the NICB. Why should this information be reported to NICB?
Is the NICB, a quasi-governmental law enforcement agency, assisting Allstate with civil litigation against Plambeck? Does NICB have a concurrent extensive decade-long criminal investigation of Plambeck's activities?
NICB is a not-for-profit corporation under Section 501(c) (4) of the Internal Revenue Code as a social welfare organization - to combat fraud and theft for the benefit of customers and the public through information analysis, forecasting, criminal investigation support, training, and public awareness.
I suspect that NICB will do what Allstate says. Allstate is one of its biggest customers and funding source! This would include helping them on civil cases because that is what they did in the case referenced above. In A&I's discovery-filings against Allstate, A&I accessed information from Allstate that included NICB claims and financial checks conducted on me!
Is the filing of a lawsuit based on information known for over a decade, and the parallel effort to sway public opinion to its point of view, the most appropriate way to aggressively pursue the fight against insurance fraud?
According to a March 7, 2008 article in the Dallas Morning News - Bill Mellander, spokesman for Allstate's Special Investigative Unit, reports Allstate's adjusters are trained to identify common fraud indicators, such as similarities in dollar amounts or wording in paperwork. When such indicators appear in a health care claim Allstate's concerns are forwarded to Allstate's special investigative units who then look for wider trends that may point to health care fraud and abuse - perhaps perpetrated through some form of a scam. And, per Mellander, that's exactly what happened with respect to Allstate's investigation of Plambeck et al. and its taking this action in an attempt to recover dollars from fraudulent claims purportedly paid by Allstate.
I suspect Allstate adjusters are trained to do more than just identify fraudulent trends and forward such concerns to Allstate's SIU investigators as reported by Mr. Mellander. They have also been trained on how to evaluate claims submitted to determine if they should be paid utilizing sophisticated insurance industry software programs, such as Colossus, or local peer review doctors who are paid by the insurance industry to review and reduce provider claims by significant sums.
These trained adjusters probably interviewed the patients being treated at Plambeck's clinics to determine the following: (1) circumstances of the accident; (2) whether they were hurt; (3) what were their complaints of injury; (4) did they seek medical attention; and (5) are they still being treated.
Why were there no patients identified as co-defendants in Allstate's lawsuit alleging fraud and a collusive scheme in either the A&I or Plambeck cases? In order for such a "scheme" to exist, there must have been some form of patient claim submitted for payment that Allstate deemed to be fraudulent. If that is the case, are not the "patients" who submit the so-called fraudulent claim responsible for their own conduct? Wouldn't such a scheme, as alleged by Allstate, only be successful if you had willing-accident victims to participate? Not according to Allstate's actions.
Is paying claims and later filing a federal lawsuit seeking $10 million in an attempt to recover dollars paid on the claims by alleging fraud for activity known for over a decade the way to protect consumers and help keep insurance costs down?
In the Spring 2008 edition of Fraud Focus published by The Coalition Against Insurance Fraud, where it is reported that Plambeck allegedly cost Allstate so much money that the insurer is trying to "gut his operation" with a $10-million federal lawsuit. It is interesting to note that Mr. Moran, an Allstate Vice President, and NICB's CEO are both on the Board of Directors for the Coalition Against Insurance Fraud.
If Plambeck et al. named in Allstate's lawsuit are in fact engaged in fraudulent activity, then they should be dealt with appropriately and held accountable by the appropriate authorities - but not by an insurer, functioning as a de facto Attorney General, that wants to "gut them" in the public eye - through media releases and press conferences!
Allstate pays NICB large sums of money to facilitate criminal prosecutions of just the type of activity it alleged in its 2008 press release. The NICB, in a 2006 Special Edition of NICB Upclose, states, "Just what the doctor ordered... NICB now has more than 25 Medical Fraud Task Force Units throughout the United States that are creating a big return on investment for NICB members". Interestingly, NICB reports having task force units in all the states identified in Allstate et al. v. Plambeck et al.
Could this desire to gut chiropractic businesses also be the reason for their lawsuits against so many other chiropractors? It definitely appeared to be the case with a chiropractor on the east coast who operated a number of multidiscipline practices. I assisted this provider with his Compliance program. This provider's business was in fact "gutted" and forced into bankruptcy trying to pay legal fees to defend the lawsuit of the "Good-Hands" people.
Are Allstate's protestations that it innocently relied on Plambeck's representations, and was defrauded thereby, plausible? Does the fact that Allstate has been investigating Plambeck for more than a decade militate against Allstate's claim that it "relied" on Plambeck's representations to its detriment?
This issue of reliance is the lynchpin of a fraud claim. If one is convinced that another party is a fraud, and proceeds to transact business with that party, may the aggrieved party subsequently cry, "Fraud"?
May Allstate, the "good hands people," also claim to be the "clean hands people"?
Health care fraud may be a billion dollar business as Mr. Moran states - but the insurance industry is definitely a TRILLION dollar business!
It is disingenuous for Allstate to report its fight against insurance fraud is to protect consumers and help keep insurance costs down.
In a August 18, 2005 press release on yet another federal lawsuit filed against chiropractic, this one in Massachusetts against First Spine and Rehab, Allstate reported that since 2001 Allstate has received more than $55 million in court judgments, where Mr. Moran states, "These judgments against criminals range from individuals to sophisticated organized crime syndicates." Interestingly, Allstate's press releases dating back to 2004 found on their web-site reveals that all but one of the releases relevant to its lawsuits against health care providers involved chiropractors.
It should be noted that The American Association of Justice ranks Allstate Insurance as the worst insurer for consumers, showing a pattern of greed, refusal to pay legitimate claims, and rewarding employees for claim denials with a strategy of "deny, delay, and defend".
In my more than twenty years of working with health care fraud-fighters - including insurers, regulators, law enforcers and health care providers, the one constant I have found relating to chiropractic fraud is that those in the position to make the biggest difference choose to invest the least amount possible in learning how to identify, how to investigate, how to prosecute, and STOP HEALTH CARE FRAUD!
However, these same entities/individuals are likely to COMPLAIN the loudest about how bad the problem is!
This niche targeting of chiropractors by insurers for post-payment audits and civil lawsuits does nothing to really reduce HEALTHCARE FRAUD but are diversion tactics to make everyone think that something is being done.
Unfortunately, instances of fraud & abuse are present in ALL health care disciplines - Chiropractic, Medicine, Physical Therapy, etc. There is no single discipline that can lay claim to a proportionately higher rate of fraudulent conduct than any other health care discipline. However, despite this fact, there is an ongoing feeding-frenzy of insurers investigating chiropractic claims. These investigations go beyond simply evaluating either the merits or medical necessity of claims to determine if they should be paid.
Insurers are conducting 'post-payment' audits of claims paid in years past - focusing on purported documentation deficiencies in an effort to open the door for carriers to demand the money back! Chiropractors have found themselves faced with large refund demands from insurers. Why?
Is it because the services were not performed? No, the insurer verifies the performance of the services through talking with the patient. Is it because the chiropractor did not document having performed the service? No, the services in question are customarily documented as having been performed. Post-payment audits arise because the insurer has retroactively concluded, perhaps based upon some sense of entitlement, that the services were not documented sufficiently - i.e., to their satisfaction!
Insurers demanding refunds from providers for payments made - armed with allegations that providers failed to adequately document the services that were billed - file complaints with licensing & regulatory boards of the providers. If such complaints are made the real test will be in proving the documentation and standards were not met. The standards for documentation, as well as all other practice activity, for health care providers is established and defined by state health care licensing & regulatory boards. The boards, NOT the insurance companies, or managed care organizations, provide administrative oversight of the activity of licensees with sanctions for those who violate the laws and rules.
Allstate Insurance has established a clear-cut policy of suing chiropractors, alleging fraud and issuing press releases with the fanfare of a New Year's Day parade. News sources, including chiropractic periodicals, do little or nothing to either investigate or evaluate the factual bases of these suits prior to joining in lock-step to print the release giving Allstate the press it so desires.
The news media and public-at-large tend to believe that if Allstate sues a health care provider, alleging fraud, the provider must have engaged in fraudulent activities. It must mean that Allstate believes both they and their insured - were somehow defrauded by the provider's actions or conduct. It must also mean that Allstate relied upon the provider's misrepresentations when paying claims?
Well, that certainly was not the case according to the September 2007 decision rendered by the United States 5th Circuit Court of Appeals in the case of Allstate Insurance Co. et al. v. Receivables Finance Company, LLC et al. The Opinion handed down by the Court was that Allstate is a major player in the casualty business - thus when Allstate routinely reviews a health care bill submitted by a chiropractor, performs some form of utilization review on the provider's bill and ends up paying a significantly reduced sum based on the explanation that Allstate believed that a significant portion of the bill was either medically unnecessary or not properly documented and thus not subject to payment - Allstate cannot later come back and sue the same provider claiming that it was defrauded by some scam perpetrated by that same provider.
Nor was it the case, based on my personal knowledge, having worked with Accident & Injury Chiropractic ("A&I"), a named defendant in the case. In 1998, following the execution of search warrants by federal authorities, I assisted A&I on implementing a Health Care Compliance program, a program designed to detect and correct any improper, false or fraudulent action by the company and/or its health care providers- primarily chiropractors. Following A&I's implementation of their compliance program, the federal investigation was formally closed.
The Compliance program that A&I implemented included an intensive internal auditing, monitoring and reporting system to facilitate the identification and correction of any form(s) of misconduct. The Compliance program was well-publicized to insurers and others, who were invited to report their concerns relative to alleged improper conduct and/or activities of the clinics, as well as those chiropractors associated, to A&I's Compliance Board to have those concerns appropriately addressed.
Allstate was well aware of A&I's Compliance program implementation, but never, to my knowledge, reported any concerns Allstate had, Allstate alleged in its highly publicized lawsuit, to the Compliance Board. It is significant to note that, while other insurers in positions similar to that of Allstate, did report concerns and such concerns were sufficiently addressed and corrected to the insurers' satisfaction.
Although an integral part of the creation and implementation of A&I's Compliance program, the only contact I had with Allstate was after it had filed its lawsuit. This contact consisted of speaking with a paralegal of Allstate's attorney. The paralegal indicated she understood that I had assisted A&I with its Compliance program and Allstate's attorney would like to talk with me. On no occasion did I ever speak with Allstate's attorney. The only reason that I did not talk with Allstate's attorney is that Allstate's attorney refused to serve me with domesticated process as an out-of-state witness.
This brings us to Allstate's suit filed in Federal Court in Dallas, Texas in March 2008, viz, Allstate et al. v. Michael K. Plambeck, D.C., Chiropractic Strategies et al. In this suit, Allstate alleges that Plambeck, who owns and operates Chiropractic Strategies Group ("CSG"), orchestrated a multi-state scam involving doctors, lawyers and telemarketers cleverly designed to solicit auto accident victims for free chiropractic evaluations - asserting that these free screenings were some form of subterfuge to enable CSG doctors to "inform" the patients they had severe injuries and to encourage the patients to sign up for legal representation by attorneys in order to prosecute claims for insurance recoveries and/or to participate in lawsuits against Allstate Insurance.
In a March 6, 2008 press release, Allstate reported that the lawsuit against Plambeck was filed following an extensive investigation by their Special Investigative Unit. Edward Moran, Allstate assistant Vice President in charge of the Special Investigation Unit, was quoted as stating, "Insurance fraud is a billion dollar business that costs the average consumer $300 in higher insurance premiums every year... Allstate is aggressively pursuing the fight against insurance fraud to protect consumers and help keep insurance costs down".
This must have been an extensive investigation by Allstate's special investigators! For more than 10 years Allstate has known of the manner in which Dr. Plambeck conducted and operated his chiropractic clinics, as described in its press release!
As a Special Agent for the National Insurance Crime Bureau (NICB) I, as well as other investigative agencies - including Allstate, was familiar more than a decade ago with the specific type of alleged acts of misconduct described. In fact, Allstate's Complaint identified activity back to 1996.
Nothing new was found in the information provided in the (2008) release - except that the average costs passed on to insurance consumers by insurance companies has now risen to $300.00. This is up from figures of $100 to $200 cited in previous years.
Talk about righteous indignation, the major casualty insurance companies regularly complains in the media that those high costs they pass on to the public are the result of health care fraud on the part of chiropractors and other health care professionals. However, carriers rarely, if ever, mention that they operate out of luxurious office complexes and pay multi-million dollar salaries to their executives.
For example, the CEO of Allstate, in his first year on the job, received an annual compensation package worth over $10.7 million, while the departing CEO, received $18.8 million annually and $25.4 million in retirement benefits. Don't think for a minute that those costs are not passed on to consumers in the form of rate increases!
Allstate's press release on Plambeck contained a 'Call to Action,' asking persons who have knowledge of, or have been victimized by, the scheme alleged in a lawsuit filed against the chiropractic industry to report this information to the NICB. Why should this information be reported to NICB?
Is the NICB, a quasi-governmental law enforcement agency, assisting Allstate with civil litigation against Plambeck? Does NICB have a concurrent extensive decade-long criminal investigation of Plambeck's activities?
NICB is a not-for-profit corporation under Section 501(c) (4) of the Internal Revenue Code as a social welfare organization - to combat fraud and theft for the benefit of customers and the public through information analysis, forecasting, criminal investigation support, training, and public awareness.
I suspect that NICB will do what Allstate says. Allstate is one of its biggest customers and funding source! This would include helping them on civil cases because that is what they did in the case referenced above. In A&I's discovery-filings against Allstate, A&I accessed information from Allstate that included NICB claims and financial checks conducted on me!
Is the filing of a lawsuit based on information known for over a decade, and the parallel effort to sway public opinion to its point of view, the most appropriate way to aggressively pursue the fight against insurance fraud?
According to a March 7, 2008 article in the Dallas Morning News - Bill Mellander, spokesman for Allstate's Special Investigative Unit, reports Allstate's adjusters are trained to identify common fraud indicators, such as similarities in dollar amounts or wording in paperwork. When such indicators appear in a health care claim Allstate's concerns are forwarded to Allstate's special investigative units who then look for wider trends that may point to health care fraud and abuse - perhaps perpetrated through some form of a scam. And, per Mellander, that's exactly what happened with respect to Allstate's investigation of Plambeck et al. and its taking this action in an attempt to recover dollars from fraudulent claims purportedly paid by Allstate.
I suspect Allstate adjusters are trained to do more than just identify fraudulent trends and forward such concerns to Allstate's SIU investigators as reported by Mr. Mellander. They have also been trained on how to evaluate claims submitted to determine if they should be paid utilizing sophisticated insurance industry software programs, such as Colossus, or local peer review doctors who are paid by the insurance industry to review and reduce provider claims by significant sums.
These trained adjusters probably interviewed the patients being treated at Plambeck's clinics to determine the following: (1) circumstances of the accident; (2) whether they were hurt; (3) what were their complaints of injury; (4) did they seek medical attention; and (5) are they still being treated.
Why were there no patients identified as co-defendants in Allstate's lawsuit alleging fraud and a collusive scheme in either the A&I or Plambeck cases? In order for such a "scheme" to exist, there must have been some form of patient claim submitted for payment that Allstate deemed to be fraudulent. If that is the case, are not the "patients" who submit the so-called fraudulent claim responsible for their own conduct? Wouldn't such a scheme, as alleged by Allstate, only be successful if you had willing-accident victims to participate? Not according to Allstate's actions.
Is paying claims and later filing a federal lawsuit seeking $10 million in an attempt to recover dollars paid on the claims by alleging fraud for activity known for over a decade the way to protect consumers and help keep insurance costs down?
In the Spring 2008 edition of Fraud Focus published by The Coalition Against Insurance Fraud, where it is reported that Plambeck allegedly cost Allstate so much money that the insurer is trying to "gut his operation" with a $10-million federal lawsuit. It is interesting to note that Mr. Moran, an Allstate Vice President, and NICB's CEO are both on the Board of Directors for the Coalition Against Insurance Fraud.
If Plambeck et al. named in Allstate's lawsuit are in fact engaged in fraudulent activity, then they should be dealt with appropriately and held accountable by the appropriate authorities - but not by an insurer, functioning as a de facto Attorney General, that wants to "gut them" in the public eye - through media releases and press conferences!
Allstate pays NICB large sums of money to facilitate criminal prosecutions of just the type of activity it alleged in its 2008 press release. The NICB, in a 2006 Special Edition of NICB Upclose, states, "Just what the doctor ordered... NICB now has more than 25 Medical Fraud Task Force Units throughout the United States that are creating a big return on investment for NICB members". Interestingly, NICB reports having task force units in all the states identified in Allstate et al. v. Plambeck et al.
Could this desire to gut chiropractic businesses also be the reason for their lawsuits against so many other chiropractors? It definitely appeared to be the case with a chiropractor on the east coast who operated a number of multidiscipline practices. I assisted this provider with his Compliance program. This provider's business was in fact "gutted" and forced into bankruptcy trying to pay legal fees to defend the lawsuit of the "Good-Hands" people.
Are Allstate's protestations that it innocently relied on Plambeck's representations, and was defrauded thereby, plausible? Does the fact that Allstate has been investigating Plambeck for more than a decade militate against Allstate's claim that it "relied" on Plambeck's representations to its detriment?
This issue of reliance is the lynchpin of a fraud claim. If one is convinced that another party is a fraud, and proceeds to transact business with that party, may the aggrieved party subsequently cry, "Fraud"?
May Allstate, the "good hands people," also claim to be the "clean hands people"?
Health care fraud may be a billion dollar business as Mr. Moran states - but the insurance industry is definitely a TRILLION dollar business!
It is disingenuous for Allstate to report its fight against insurance fraud is to protect consumers and help keep insurance costs down.
In a August 18, 2005 press release on yet another federal lawsuit filed against chiropractic, this one in Massachusetts against First Spine and Rehab, Allstate reported that since 2001 Allstate has received more than $55 million in court judgments, where Mr. Moran states, "These judgments against criminals range from individuals to sophisticated organized crime syndicates." Interestingly, Allstate's press releases dating back to 2004 found on their web-site reveals that all but one of the releases relevant to its lawsuits against health care providers involved chiropractors.
It should be noted that The American Association of Justice ranks Allstate Insurance as the worst insurer for consumers, showing a pattern of greed, refusal to pay legitimate claims, and rewarding employees for claim denials with a strategy of "deny, delay, and defend".
In my more than twenty years of working with health care fraud-fighters - including insurers, regulators, law enforcers and health care providers, the one constant I have found relating to chiropractic fraud is that those in the position to make the biggest difference choose to invest the least amount possible in learning how to identify, how to investigate, how to prosecute, and STOP HEALTH CARE FRAUD!
However, these same entities/individuals are likely to COMPLAIN the loudest about how bad the problem is!
This niche targeting of chiropractors by insurers for post-payment audits and civil lawsuits does nothing to really reduce HEALTHCARE FRAUD but are diversion tactics to make everyone think that something is being done.
Public Liability Current Affairs
Public liability insurance covers a business and professionals against damages awarded against them in the case of profession error or an act of negligence towards a third party.
However, it appears that many businesses, especially those which are small, struggle to pay for public liability, such as charities like 'Grow and Go', who would have been shut down, if it wasn't for a sports team who helped pay for their public liability insurance.
The above struggle is a familiar story for a female entrepreneur who benefited from a fund for business women, using it to pay for the public liability insurance, which allowed her to run her educational business.
Kate Jackson, of Bungay, took an £850 loan from the Women's Employment and Enterprise Training Unit (WEETU) for public liability insurance in the first year she set up her Minimonsters Creepy Crawly Road show. Jackson has repaid the money with interest and expressed her gratitude to the WEETU for helping her get her business up and running. She stated: "I would have struggled to get into business if it hadn't been for them."
Meanwhile, a judge has awarded damages against the owner of a horse which was 'spooked' and when it bolted caused a traffic accident. The case shows the growing interest in public liability, but there are fears that it could put rural livelihoods at risk, as it could expose farmers who allow their animals to graze along side roads. In this particular case, the judge awarded damages, stating that the owners were liable for the horse's actions, despite having taken precautions. The judge further commented that in various areas where sheep and ponies roam free, they often cross narrow roads, and he wondered whether a car accident resulting from such a regular crossing would be subject to a claim.
There are also concerns for small business or individuals who own holiday home properties to purchase public liability insurance. According to the AA, the property owners also stand to benefit from better deals if they take out this insurance form UK companies rather than companies from overseas, as they may not provide standard items such as flood cover.
AA Public Relations Manager Ian Crowder stated how he harboured concerns that if a homeowner suddenly got a call from people staying in their house saying "Something terrible has happened - We've had a bit of a fire in the kitchen" then the owners need to get out there and sort the problem out straight away.
Crowder also used another example "Or there has been a burglary and the police contact you and say:Your home has been burgled, then you can jump on a plane and get out there and you would get emergency travel cover for up to £1,000."
The manager also said that property owners stand to get better premiums especially if their holiday properties are in a complex of a dozen to 15 holiday homes with security guards and CCTV.
However, it appears that many businesses, especially those which are small, struggle to pay for public liability, such as charities like 'Grow and Go', who would have been shut down, if it wasn't for a sports team who helped pay for their public liability insurance.
The above struggle is a familiar story for a female entrepreneur who benefited from a fund for business women, using it to pay for the public liability insurance, which allowed her to run her educational business.
Kate Jackson, of Bungay, took an £850 loan from the Women's Employment and Enterprise Training Unit (WEETU) for public liability insurance in the first year she set up her Minimonsters Creepy Crawly Road show. Jackson has repaid the money with interest and expressed her gratitude to the WEETU for helping her get her business up and running. She stated: "I would have struggled to get into business if it hadn't been for them."
Meanwhile, a judge has awarded damages against the owner of a horse which was 'spooked' and when it bolted caused a traffic accident. The case shows the growing interest in public liability, but there are fears that it could put rural livelihoods at risk, as it could expose farmers who allow their animals to graze along side roads. In this particular case, the judge awarded damages, stating that the owners were liable for the horse's actions, despite having taken precautions. The judge further commented that in various areas where sheep and ponies roam free, they often cross narrow roads, and he wondered whether a car accident resulting from such a regular crossing would be subject to a claim.
There are also concerns for small business or individuals who own holiday home properties to purchase public liability insurance. According to the AA, the property owners also stand to benefit from better deals if they take out this insurance form UK companies rather than companies from overseas, as they may not provide standard items such as flood cover.
AA Public Relations Manager Ian Crowder stated how he harboured concerns that if a homeowner suddenly got a call from people staying in their house saying "Something terrible has happened - We've had a bit of a fire in the kitchen" then the owners need to get out there and sort the problem out straight away.
Crowder also used another example "Or there has been a burglary and the police contact you and say:Your home has been burgled, then you can jump on a plane and get out there and you would get emergency travel cover for up to £1,000."
The manager also said that property owners stand to get better premiums especially if their holiday properties are in a complex of a dozen to 15 holiday homes with security guards and CCTV.
10 Tips on Choosing Boat Insurance
Boat insurance is a necessity not luxury. It protects you from several problems and ensures that the boat is protected too.
The field of marine or boat insurance offers many policies and it is important for you to choose the right policy and coverage.
Before investing in boat insurance you should think about:
1. The kind of coverage you want. Jot down details like type of boat, year of manufacture, no of owners, use and so on as well as record. Go through various insurance company profiles online and offline to locate leading insurers who do offer insurance coverage for the model of boat you own.
2. Once you have a list of insurance companies then contact then online or offline or through authorized agents. Ask for a brochure and policy draft so that you can determine aspects like coverage, facilities, premiums, and so on.
3. Make a comparison of at least 3-4 insurance policies. Compare costs as well as coverage. This will help you locate a policy for the boat that offers maximum coverage for an affordable sum.
4. Take the help of a customer care person or insurance agent. They will be able to get you the most suitable insurance policy for your boat. Since, they will be able to match your personal needs to insurance coverage offered by companies.
5. Know what coverage the kind of boat you own needs. Log on to the World Wide Web and educate yourself on boat insurance, deductibles, ways to get savings and more. Even something as simple as clean driving record, safe parking of boat could get you extensive savings on boat insurance.
6. Find out what agreed value/stated value; actual cash value; and exclusions and deductibles mean and how hey affect you.
7. Ask about umbrella policy. Umbrella policies are affordable around USD 150-500 per million.
8. Most policies define navigation limits. Understand what it means as well as terminology like brown water and blue water.
9. Ask about state and area limitations this will restrict use of the boat to certain areas.
10. Buy a boat insurance policy from a company that has a good rating and is known to practice fair business norms.
To enjoy ownership of a boat you need to ensure that your insurance policy works for you and that your interests and the boat are well protected.
The internet has several websites that are insurance directories. These showcase leading insurance companies as well as a wide range of boat insurance policies. There are online tools that enable users to get multiple quotes for boat insurance and to compare insurance products. Articles and boat insurance tips are hosted to educate boat owners. These sites are user friendly and will answer questions and clarify doubts for no fee.
So before purchasing boat insurance you must know what your options are and get the most comprehensive insurance coverage for the lowest cost possible.
Matthew Pawlina is a writer for Boat Insurance , the premier website to find, boat insurance company, boat insurance, boat insurance quote, insurance boat auction, online boat insurance, power boat insurance, marine boat insurance and many more
The field of marine or boat insurance offers many policies and it is important for you to choose the right policy and coverage.
Before investing in boat insurance you should think about:
1. The kind of coverage you want. Jot down details like type of boat, year of manufacture, no of owners, use and so on as well as record. Go through various insurance company profiles online and offline to locate leading insurers who do offer insurance coverage for the model of boat you own.
2. Once you have a list of insurance companies then contact then online or offline or through authorized agents. Ask for a brochure and policy draft so that you can determine aspects like coverage, facilities, premiums, and so on.
3. Make a comparison of at least 3-4 insurance policies. Compare costs as well as coverage. This will help you locate a policy for the boat that offers maximum coverage for an affordable sum.
4. Take the help of a customer care person or insurance agent. They will be able to get you the most suitable insurance policy for your boat. Since, they will be able to match your personal needs to insurance coverage offered by companies.
5. Know what coverage the kind of boat you own needs. Log on to the World Wide Web and educate yourself on boat insurance, deductibles, ways to get savings and more. Even something as simple as clean driving record, safe parking of boat could get you extensive savings on boat insurance.
6. Find out what agreed value/stated value; actual cash value; and exclusions and deductibles mean and how hey affect you.
7. Ask about umbrella policy. Umbrella policies are affordable around USD 150-500 per million.
8. Most policies define navigation limits. Understand what it means as well as terminology like brown water and blue water.
9. Ask about state and area limitations this will restrict use of the boat to certain areas.
10. Buy a boat insurance policy from a company that has a good rating and is known to practice fair business norms.
To enjoy ownership of a boat you need to ensure that your insurance policy works for you and that your interests and the boat are well protected.
The internet has several websites that are insurance directories. These showcase leading insurance companies as well as a wide range of boat insurance policies. There are online tools that enable users to get multiple quotes for boat insurance and to compare insurance products. Articles and boat insurance tips are hosted to educate boat owners. These sites are user friendly and will answer questions and clarify doubts for no fee.
So before purchasing boat insurance you must know what your options are and get the most comprehensive insurance coverage for the lowest cost possible.
Matthew Pawlina is a writer for Boat Insurance , the premier website to find, boat insurance company, boat insurance, boat insurance quote, insurance boat auction, online boat insurance, power boat insurance, marine boat insurance and many more
Insomnia Side Effects - The Dangers of Insomnia and Why You Need Treatment
Insomnia can be one of the most frustrating sleep disorders to deal with. It can also be one of the most dangerous sleep disorders, considering all of the insomnia side effects that can occur if you don't seek treatment. This disorder affects millions of people in a variety of ways. It doesn't matter whether you have trouble getting to sleep or staying asleep through the night. In either case, you need a way to treat your condition before it becomes worse.
If left untreated, one of the most common insomnia side effects is a higher risk of developing psychiatric disorders. Clinical depression is one of the complications that can result from insomnia. The lack of sleep that you experience can wear you out mentally and make you more prone to suffering symptoms of depression. Anxiety disorders are also commonly seen in those who have insomnia. These disorders can disrupt your life by making it difficult for you to handle stress or tension.
Certain skills that you take for granted can also suffer when you are deprived of sleep on a regular basis. Your problem-solving abilities can be seriously impaired when your brain is trying to function on too little sleep. This can affect all areas of your life, including your job, since problem-solving skills are used by everyone every day. Decisions that used to be easy to make could be much more difficult if your judgment is clouded. Driving skills can also be affected by insomnia, making you more prone to cause or be in an accident due to slowed reaction time or poor judgment.
Insomnia side effects can also affect the body, not just the mind. People who have chronic insomnia along with a serious physical condition could suffer more acute symptoms of their physical disorder. Insomnia has been associated with an increase in the severity of conditions such as diabetes or high blood pressure. Considering the complications that could arise from these physical conditions, it's essential to seek treatment for insomnia as soon as possible.
Insomnia can disrupt your life in so many ways that it's hard to understand why some people do not seek treatment. There are quite a few methods out there that can effectively treat this sleep disorder so that you can prevent insomnia side effects from taking over your life. Some of these forms of treatment are very easy to use and can produce fast results
If left untreated, one of the most common insomnia side effects is a higher risk of developing psychiatric disorders. Clinical depression is one of the complications that can result from insomnia. The lack of sleep that you experience can wear you out mentally and make you more prone to suffering symptoms of depression. Anxiety disorders are also commonly seen in those who have insomnia. These disorders can disrupt your life by making it difficult for you to handle stress or tension.
Certain skills that you take for granted can also suffer when you are deprived of sleep on a regular basis. Your problem-solving abilities can be seriously impaired when your brain is trying to function on too little sleep. This can affect all areas of your life, including your job, since problem-solving skills are used by everyone every day. Decisions that used to be easy to make could be much more difficult if your judgment is clouded. Driving skills can also be affected by insomnia, making you more prone to cause or be in an accident due to slowed reaction time or poor judgment.
Insomnia side effects can also affect the body, not just the mind. People who have chronic insomnia along with a serious physical condition could suffer more acute symptoms of their physical disorder. Insomnia has been associated with an increase in the severity of conditions such as diabetes or high blood pressure. Considering the complications that could arise from these physical conditions, it's essential to seek treatment for insomnia as soon as possible.
Insomnia can disrupt your life in so many ways that it's hard to understand why some people do not seek treatment. There are quite a few methods out there that can effectively treat this sleep disorder so that you can prevent insomnia side effects from taking over your life. Some of these forms of treatment are very easy to use and can produce fast results
Create FLV Flash Software - Quick Techniques & Solutions!
Create FLV Flash Software enables you to easily add and host video(s) on your Site with just basic technical skills. One of the reasons that explain the growing popularity of these tools is the fact that they efficiently simplify the entire conversion process to almost zero effort. The following article will describe how you'll be able to quickly convert and add a movie to any Webpage.
Quick review
Create FLV Flash Software takes your videos and transforms them from their original format to a special and highly popular Web display format called .FLV. To make it possible for your new Webvideo(s) to be displayed you should insert a small html code to your Webpage(s) and deliver the files to your Web's server. Your webvideos are now streaming files - they are instantly displayed by the viewer as they arrive.
Quick advantages
When we examine the benefits provided by this technology, we find the following:
* No need for any programming skills.
* Compressing raw movies to 10% or less of their original file size!
* Easily converts popular file formats such as: AVI, WMV, MOV, MPG, FLV, VOB, ASF, and MP4.
* It enables you to upload your Webvideo(s) to video-sharing sites and attract more visitors.
* Quick and easy upload of your video files.
We could count other important great benefits provided by this technology, simply because it provides many other opportunities that help us promote our online business.
Summary
Create FLV Flash Software is an excellent opportunity for anyone who wishes to take his/her online business into the next level by using Flash-Videos. It is time for action, so at this point it is highly advised to watch it in action so you could quickly benefit from the various opportunities that it provides.
Learn how an advanced Create FLV Flash Software easily enables you to convert, upload, and display streaming videos that generate more traffic and increase your conversions.
Quick review
Create FLV Flash Software takes your videos and transforms them from their original format to a special and highly popular Web display format called .FLV. To make it possible for your new Webvideo(s) to be displayed you should insert a small html code to your Webpage(s) and deliver the files to your Web's server. Your webvideos are now streaming files - they are instantly displayed by the viewer as they arrive.
Quick advantages
When we examine the benefits provided by this technology, we find the following:
* No need for any programming skills.
* Compressing raw movies to 10% or less of their original file size!
* Easily converts popular file formats such as: AVI, WMV, MOV, MPG, FLV, VOB, ASF, and MP4.
* It enables you to upload your Webvideo(s) to video-sharing sites and attract more visitors.
* Quick and easy upload of your video files.
We could count other important great benefits provided by this technology, simply because it provides many other opportunities that help us promote our online business.
Summary
Create FLV Flash Software is an excellent opportunity for anyone who wishes to take his/her online business into the next level by using Flash-Videos. It is time for action, so at this point it is highly advised to watch it in action so you could quickly benefit from the various opportunities that it provides.
Learn how an advanced Create FLV Flash Software easily enables you to convert, upload, and display streaming videos that generate more traffic and increase your conversions.
How to Research and Discover Profitable Online Niches
Unless you already have a great idea, chances are you will need to spend some time looking into what types of products and services you can successfully market online.
Even if you have a great idea it's a good idea to do some market research... and in order to accomplish this, you will need to do some digging around.
Here are some tips on where to find information about niche markets that might be desirable for you, as well as how to find profitable places to launch your marketing efforts.
If you are starting fresh and looking for your first idea for an effective marketing campaign, the first place to begin is with yourself.
What do you like?
What types of products are important in maintaining your standard of living? What types of services or goods would make life a lot easier for you?
How much are you willing to pay for these goods or services?
Spending some time searching your own wants and needs may yield some interesting concepts for niches that you can investigate online.
Another method is to simply sit down with a piece of paper and make a list of ten things that you are interested in.
Are you an avid golfer? Do you enjoy exercise or Yoga in your spare time?
What do you do for a living?
If you are a real estate professional, for example, chances are pretty high that you might have some great information to share with first time homeowners. If you are an accountant you may be able to help people plan a budget and save some extra money.
So make a list, and chances are your list will probably be somewhat random, although thinking of one subject may immediately draw your mind to another related subject.
Don't fight the flow or spend any time second-guessing the topics that come to mind. Write them down and don't waste time thinking they are silly or inappropriate.
There will be plenty of time to reevaluate the subjects later on...
As a third source of inspiration go out with friends, but take along a small note-book. As different subjects up in conversation and catch your ear, make a quick note.
A one or two word phrase may do the trick nicely. The idea here is to get some ideas for markets to explore, based on what types of issues come to mind among people you know.
While none of these methods are particularly scientific, they can yield some very interesting topics to research. Don't reject any of the ideas out of hand until you spend some time online and see where the subjects lead you.
Concepts that may seem completely off the wall or worth absolutely nothing may turn out to be gold mines!
If research indicates that the subject is a dead end, then at least you have eliminated one possibility and saved yourself the trouble of pursuing that option in the future.
On the other hand, you may be surprised with what you find.
Using these lists of words or subjects that you have compiled, take to the Internet and start doing some looking around. The first thing you want to ascertain is how much interest there is associated with that particular word or phrase.
One of the easiest ways to get a handle on this sort of thing is to use Google to do a search on the topic or keywords.
Are there a bunch of results? Are there "sponsored" results on the right side of the results pages? That means people are paying money to be listed there: a good indication that there is money to be made there.
For example, if one of the subjects that came up on your lists happened to be "dog," and you find that the word returns almost 500 million hits on its own... so clearly "dog" is too broad of a subject to explore.
Looking down the list, you may find that "dog house" or "dog training" returns a more manageable number of hits, as does "dog treats." With just a little digging, you have uncovered three potential markets to attack.
Moving one step further, you should take your phrases to a free keyword tracking tool and check a rough estimate of the number of people searching for that term.
Even if you have a great idea it's a good idea to do some market research... and in order to accomplish this, you will need to do some digging around.
Here are some tips on where to find information about niche markets that might be desirable for you, as well as how to find profitable places to launch your marketing efforts.
If you are starting fresh and looking for your first idea for an effective marketing campaign, the first place to begin is with yourself.
What do you like?
What types of products are important in maintaining your standard of living? What types of services or goods would make life a lot easier for you?
How much are you willing to pay for these goods or services?
Spending some time searching your own wants and needs may yield some interesting concepts for niches that you can investigate online.
Another method is to simply sit down with a piece of paper and make a list of ten things that you are interested in.
Are you an avid golfer? Do you enjoy exercise or Yoga in your spare time?
What do you do for a living?
If you are a real estate professional, for example, chances are pretty high that you might have some great information to share with first time homeowners. If you are an accountant you may be able to help people plan a budget and save some extra money.
So make a list, and chances are your list will probably be somewhat random, although thinking of one subject may immediately draw your mind to another related subject.
Don't fight the flow or spend any time second-guessing the topics that come to mind. Write them down and don't waste time thinking they are silly or inappropriate.
There will be plenty of time to reevaluate the subjects later on...
As a third source of inspiration go out with friends, but take along a small note-book. As different subjects up in conversation and catch your ear, make a quick note.
A one or two word phrase may do the trick nicely. The idea here is to get some ideas for markets to explore, based on what types of issues come to mind among people you know.
While none of these methods are particularly scientific, they can yield some very interesting topics to research. Don't reject any of the ideas out of hand until you spend some time online and see where the subjects lead you.
Concepts that may seem completely off the wall or worth absolutely nothing may turn out to be gold mines!
If research indicates that the subject is a dead end, then at least you have eliminated one possibility and saved yourself the trouble of pursuing that option in the future.
On the other hand, you may be surprised with what you find.
Using these lists of words or subjects that you have compiled, take to the Internet and start doing some looking around. The first thing you want to ascertain is how much interest there is associated with that particular word or phrase.
One of the easiest ways to get a handle on this sort of thing is to use Google to do a search on the topic or keywords.
Are there a bunch of results? Are there "sponsored" results on the right side of the results pages? That means people are paying money to be listed there: a good indication that there is money to be made there.
For example, if one of the subjects that came up on your lists happened to be "dog," and you find that the word returns almost 500 million hits on its own... so clearly "dog" is too broad of a subject to explore.
Looking down the list, you may find that "dog house" or "dog training" returns a more manageable number of hits, as does "dog treats." With just a little digging, you have uncovered three potential markets to attack.
Moving one step further, you should take your phrases to a free keyword tracking tool and check a rough estimate of the number of people searching for that term.
Convert From AVI to FLV Tool - Converting to Flash Right Away!
There's thrill, excitement, and nervousness when meeting someone for a date. But, when dating someone, are there rules? You bet there are. You have to know the basic rules of a dating game so that you will become a winner at the end of the day. These dating rules apply to every relationship, no matter if it's new or long-term, casual or serious.
Below are some tips to guide you when dating.
1. Don't Lose Who You Are
Your first priority in a relationship - no matter what kind of a relationship you are in - is to yourself. It is incredibly important that while you are dating someone, you don't lose who you are. There are too many people that start dating someone, only to forget everything that they loved before they met this person. You'll need to love yourself by ensuring you are ready to date before taking the plunge as well as having a strong sense of self-worth and esteem.
2. Communicate Well and Clearly
Sometimes when I read some questions posted by people on dating on forums, I find curious phenomena. They all discuss their problems, their questions and everything about dating from others, but they don't ask their dating partner about what should be done. It is impossible to have a healthy relationship without strong communication. In essence, communication is the bridge that forms between partners, helping them create a sacred space in the middle ground where they meet in order to foster love and intimacy.
Talk and listen as much as possible. Don't hide feelings. Express them. Don't hide fears, talk about them. Don't hide desires; express them and you will get real satisfaction.
3. Ensure Every Date is Fun
Where do you go when you want to inject a bit of fun into a date, or are not quite ready to introduce a romantic date setting just quite yet? Not only does trying to make your date happy make you feel good, but it is also one of the first signs of attraction. Keep in mind that the primary way your date will determine the success of the event is how much fun was had.
4. Nurture Your Relationship
All dating relationships require tender loving care in order to thrive. The more we nurture our relationship and invest in it, the stronger it will be and the better able to manage stressful times when things come up, as they inevitably do. Daily appreciation, respect, attentiveness, reciprocity and kindness all work towards showing your partner that you cherish them and value their contribution to your life.
These are just the most important dating rules that you must keep in mind when you are looking for someone special. Dating is a long test of compatibility. Are we perfectly matched? If we just threw ourselves together then the chances of long term happiness may be reduced. If you remember to put the following dating rules in practice, you will have a much more enjoyable dating life. We promise!
Enjoy your dating!
Below are some tips to guide you when dating.
1. Don't Lose Who You Are
Your first priority in a relationship - no matter what kind of a relationship you are in - is to yourself. It is incredibly important that while you are dating someone, you don't lose who you are. There are too many people that start dating someone, only to forget everything that they loved before they met this person. You'll need to love yourself by ensuring you are ready to date before taking the plunge as well as having a strong sense of self-worth and esteem.
2. Communicate Well and Clearly
Sometimes when I read some questions posted by people on dating on forums, I find curious phenomena. They all discuss their problems, their questions and everything about dating from others, but they don't ask their dating partner about what should be done. It is impossible to have a healthy relationship without strong communication. In essence, communication is the bridge that forms between partners, helping them create a sacred space in the middle ground where they meet in order to foster love and intimacy.
Talk and listen as much as possible. Don't hide feelings. Express them. Don't hide fears, talk about them. Don't hide desires; express them and you will get real satisfaction.
3. Ensure Every Date is Fun
Where do you go when you want to inject a bit of fun into a date, or are not quite ready to introduce a romantic date setting just quite yet? Not only does trying to make your date happy make you feel good, but it is also one of the first signs of attraction. Keep in mind that the primary way your date will determine the success of the event is how much fun was had.
4. Nurture Your Relationship
All dating relationships require tender loving care in order to thrive. The more we nurture our relationship and invest in it, the stronger it will be and the better able to manage stressful times when things come up, as they inevitably do. Daily appreciation, respect, attentiveness, reciprocity and kindness all work towards showing your partner that you cherish them and value their contribution to your life.
These are just the most important dating rules that you must keep in mind when you are looking for someone special. Dating is a long test of compatibility. Are we perfectly matched? If we just threw ourselves together then the chances of long term happiness may be reduced. If you remember to put the following dating rules in practice, you will have a much more enjoyable dating life. We promise!
Enjoy your dating!
Great Home Selling Tips
Selling your home can be exciting, but it also takes a whole lot of work. Selling your property can take some time, depending largely on your local market. Selling your property involves much more than just placing a "For Sale" sign and flyer box in your yard. Selling your home and leveraging your money allows you to use a small down payment and financing to purchase a larger investment property. Selling your real estate is a significant event in anyone's life.
Buyers most likely are looking in the price range determined by their monthly payment ability and down payment amount. Buyers are usually very knowledgeable in their price range and purchase by comparison of other homes. Buyers have the upper hand with the Real Estate negotiations in today's market. Buyers may accept the home in the current condition, ask the seller to make repairs or cancel the contract if that is spelled out in the agreement.
Selling a home can be a very stressful and emotional time. Selling your home can seem frightening, but designing an effective real estate campaign can help you see results in record time with less stress. Marketing your home can be a very lengthy and emotional process. Selling your property can be a huge decision, and choosing the right "Real Estate Agent" to list and market your home should not be taken lightly.
Selling your home may be far more time consuming than you might imagine and unless you have accurate, current information, you could wind up either losing money by pricing your home too low or not selling your home at all because you've set the price a little too high. Remember, your home is in competition with all the other homes in your price range. Make sure your home is the diamond in the crowd!
The final piece to an effective marketing strategy is setting a reasonable price for your home or land. The buyer may offer a price for the property that, depending on the market and the discretion of the buyer, may differ from your current asking price. Try to market your property as though you were buying it yourself. Make sure your home is the diamond in the crowd!
Buyers most likely are looking in the price range determined by their monthly payment ability and down payment amount. Buyers are usually very knowledgeable in their price range and purchase by comparison of other homes. Buyers have the upper hand with the Real Estate negotiations in today's market. Buyers may accept the home in the current condition, ask the seller to make repairs or cancel the contract if that is spelled out in the agreement.
Selling a home can be a very stressful and emotional time. Selling your home can seem frightening, but designing an effective real estate campaign can help you see results in record time with less stress. Marketing your home can be a very lengthy and emotional process. Selling your property can be a huge decision, and choosing the right "Real Estate Agent" to list and market your home should not be taken lightly.
Selling your home may be far more time consuming than you might imagine and unless you have accurate, current information, you could wind up either losing money by pricing your home too low or not selling your home at all because you've set the price a little too high. Remember, your home is in competition with all the other homes in your price range. Make sure your home is the diamond in the crowd!
The final piece to an effective marketing strategy is setting a reasonable price for your home or land. The buyer may offer a price for the property that, depending on the market and the discretion of the buyer, may differ from your current asking price. Try to market your property as though you were buying it yourself. Make sure your home is the diamond in the crowd!
Sleeping Disorder Insomnia - Effective Treatments For Sleeping Disorder Insomnia
Has it been awhile since you've enjoyed an entire night's rest? If so, then it's important for you to find a sleeping disorder insomnia treatment that will work effectively so you can get your life back in order. Insomnia can cause all sorts of problems if you let it go untreated. In order to prevent this from happening, you'll need to start treatment right away.
Sleeping pills are the most commonly known form of sleeping disorder insomnia treatment available. They are usually very effective at first, but the disadvantage with these medications is that the effects wear off over time. Thus, you run the risk of feeling as though you need more of them at a time in order to sleep or that you need a stronger medication so that you can sleep through the night. Sleeping pills must be taken with caution, if you decide to use this method of treatment.
There are plenty of other options available if you don't like relying on pills. You can give binaural beats a try. While lying in bed with headphones on, you'll be hearing a tone in each ear. These tones have different frequencies, which causes your brain to settle into a relaxed state. This sleeping disorder insomnia treatment is a type of brain entrainment that makes falling asleep easier. The only catch is that you have to keep the headphones on the whole time you want to sleep.
If you're familiar with herbal remedies, then you might know about melatonin and valerian. These herbs can help you get to sleep smoothly and allow you to get a full night's rest. Although these herbs do work for some people, the degree to which they can be used to treat the general population of those with sleep disorder requires more research.
You can also do a variety of things as part of your daily routine in order to treat insomnia. If you're prone to lying in bed tossing and turning for hours, then you need to get up and read or watch television instead. Staying in bed only makes your situation worse. If necessary, put your alarm clock away so that you can't dwell on how much time goes by. Don't take naps later on in the day or for long periods of time if you want to be able to sleep at night. You should also try to avoid interruptions by keeping your door closed or having some type of white noise available to lull you to sleep.
Insomnia treatments come in many forms, but not all might work the same for you as they do for others. You can try the one you're most comfortable with first and move on to the rest if that one doesn't work. It might take some time to find a method that is effective enough for you to be able to sleep soundly during the night.
Sleeping pills are the most commonly known form of sleeping disorder insomnia treatment available. They are usually very effective at first, but the disadvantage with these medications is that the effects wear off over time. Thus, you run the risk of feeling as though you need more of them at a time in order to sleep or that you need a stronger medication so that you can sleep through the night. Sleeping pills must be taken with caution, if you decide to use this method of treatment.
There are plenty of other options available if you don't like relying on pills. You can give binaural beats a try. While lying in bed with headphones on, you'll be hearing a tone in each ear. These tones have different frequencies, which causes your brain to settle into a relaxed state. This sleeping disorder insomnia treatment is a type of brain entrainment that makes falling asleep easier. The only catch is that you have to keep the headphones on the whole time you want to sleep.
If you're familiar with herbal remedies, then you might know about melatonin and valerian. These herbs can help you get to sleep smoothly and allow you to get a full night's rest. Although these herbs do work for some people, the degree to which they can be used to treat the general population of those with sleep disorder requires more research.
You can also do a variety of things as part of your daily routine in order to treat insomnia. If you're prone to lying in bed tossing and turning for hours, then you need to get up and read or watch television instead. Staying in bed only makes your situation worse. If necessary, put your alarm clock away so that you can't dwell on how much time goes by. Don't take naps later on in the day or for long periods of time if you want to be able to sleep at night. You should also try to avoid interruptions by keeping your door closed or having some type of white noise available to lull you to sleep.
Insomnia treatments come in many forms, but not all might work the same for you as they do for others. You can try the one you're most comfortable with first and move on to the rest if that one doesn't work. It might take some time to find a method that is effective enough for you to be able to sleep soundly during the night.
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