Insurance Claims – Get an Advance Payment!

Insurance claim advance payments are not widely known by people who file claims. Often, when an insured has a loss of significant size, such as a flood, tornado, wildfire, hurricane loss or a big water damage loss, an advance payment of a portion of the anticipated settlement is issued by the insurance company. This situation also happens regularly when a business has a loss and needs money up front.

It is a customary and widely accepted practice for the insurance company to issue an advance payment in this type of instance. Be aware that there’s nothing in the standard property insurance policy that deals with advances. It is usually just a courtesy that the insurance company extends to their policyholder.

However, they don’t usually offer to do it. You have to request the advance.

Here’s an example. Joe Smith’s house is hit by lightning, and a fire damages most of the house. Joe’s policy has Building limits of $100,000, Contents limits of $50,000, ALE limits of $20,000. The house can be repaired for $70,000, which is less than the policy limits. However, the adjuster expects that the Contents loss will exceed the policy limits of $50,000, and the ALE loss will be $15,000. The adjuster sends in his first report to the insurance company, and tells them to expect the loss to be approximately $135,000 on these three parts of coverage.

The insurance company could easily issue an initial advance payment of $25,000 to $35,000 for Contents and ALE, and $40,000 to $50,000 for the Dwelling loss.

So, what do you do if your Contents are damaged and you need the most basic things, like a change of clothes and shoes? What if you need to have a contractor secure the building and put tarps on the roof to keep further rain out of the building? Most people do not have tens of thousands of dollars just lying in their bank accounts that could be used to begin repairs, or begin replacing personal property. That’s when the insurance company issues an advance.

It’s best to make your request in writing. Even if it’s just a hand-written letter, it’s best if it’s in writing. Write or type your request, keep a copy for your records, and give the copy to your adjuster. It’s also a good idea to send a duplicate copy to the claims department of your insurance company. Send it by overnight courier or certified mail. NEVER rely on the adjuster to ask for an advance on your behalf. He might get delayed with other work and it could be days before he asks. DO IT YOURSELF.

Take control of your claim, my friend! Make an EARLY request in the claims process for your advance payment!

Source by Russell Longcore

Cancer and Cancer Cells That Come Alive After Grief or Stress

I often think of the wife of Dana Reeve the wife of Christopher Reeve, who in May 1995 had a horrible accident while riding a horse, followed by 10 years of misery totally unable to move. He was an inspiration to everyone but what he went through was far beyond we have ever seen any major celebrity have to endure for so long a period of time. Soon after his death, Christopher Reeve’s wife Dana contracted lung cancer in her mid-40’s and died a short time after. Most amazing is Dana never smoked. I consider this story, along with the JFK Jr. Tragedy in 1999, by far the 2 worst celebrity tragedies of all time. A distant third would be Princess Diana’s death in France in 1997.

So how did Dana Reeve die in her mid-40’s of horrible lung cancer, when she didn’t even smoke? The theory is that Dana was a very good lounge singer and because of all the second hand smoke, she had cancer cells in her body for a long period of time. The following theory is that the cancer cells like this come alive when the body is greatly weakened by a long period of grief over a horrible tragedy and great stress which would happen after Christopher Reeve finally died after 10 long years. I am not a doctor, but this has always been my theory about smoking, or second hand smoke and cancer, which is the scourge of humanity and has been for hundreds of years. When the body is greatly weakened by stress, grief and great periods of depression for a long period of time the cancer cells become alive again and the spouse, or the person under stress and grief dies. The Christopher Reeve and Dana Reeve story is a story worthy of a great movie, which I would love to be able to write one day. What Dana Reeve had to witness and survive, seeing her husband in that condition for so long is an amazing tribute to her strength as a person.

My mother smoked for many years, but she gave it up 20 years ago. A little less than 3 years ago, my father died of Cancer at age 84, and even though he was far from a good person or husband, my mother was married to him for over 50 years. Three months ago, my mother was diagnosed with Cancer, and a few weeks later she is in a Hospice at age 79. The horror is that it seems that Cancer cells are always in your body, if your smoke, if you’re exposed to second hand smoke, or for other reasons. I have seen people go through great stressful events and die soon after from Cancer many times over the years. The pattern seems to be very strong and repeats many times over.

Will we ever see a cure for cancer in our lifetime? Does this world wide scourge of humanity make far too much money to ever want a cure? I don’t have an answer to this question, but if human life on this planet is mostly just all about money and because of this money, nobody cares about horrible human suffering because of a cancer, then there is something very wrong with this earth we all call home.

Source by Joseph J. Caruso

Job Career Planning – What Interests You?

One important step or factor in defining your ideal career is identifying your interests. Research has found that:

Your interests are an important source of information to use in exploring career options.

You are more likely to be interested in things you are good at, you enjoy doing, or that are important to you.

Your interests can accurately guide you to explore careers that are most likely to meet your needs.

Career interest list:

Agriculture and Natural Resources:

An interest in working with plants, animals, forests, or mineral resources for agriculture, horticulture, conservation, extraction, and other purposes. You can fulfill this interest by working in farming, landscaping, forestry, fishing, mining, and related fields. You may like doing physical work outdoors, such as on a farm or ranch, in a forest, or on a drilling rig. If you have scientific curiosity, you could study plants and animals or analyze biological or rock samples in a lab. If you have management ability, you could own, operate, or manage a fish hatchery, a landscaping business, or a greenhouse.

Architecture and Construction:

An interest in designing, assembling, and maintaining components of buildings and other structures. You may want to be part of the team of architects, drafters, and others who design buildings and render the plans. If construction interests you, you can find fulfillment in the many building projects that are being undertaken at all times. If you like to organize and plan, you can find careers in managing these projects. Or you can play a more direct role in putting up and finishing buildings by doing jobs such as plumbing, carpentry, masonry, painting, or roofing, either as a skilled craftsworker or as a helper. You can prepare the building site by operating heavy equipment or install, maintain, and repair vital building equipment and systems such as electricity and heating.

Arts and Communication:

An interest in creatively expressing feelings or ideas, in communicating news or information, or in performing. You can fulfill this interest in creative, verbal, or performing activities. For example, if you enjoy literature, perhaps writing or editing would appeal to you. Journalism and public relations are other fields for people who like to use their writing or speaking skills. Do you prefer to work in the performing arts? If so, you could direct or perform in drama, music, or dance. If you especially enjoy the visual arts, you could create paintings, sculpture, or ceramics or design products or visual displays. A flair for technology might lead you to specialize in photography, broadcast production, or dispatching.

Business and Administration Organizer:

This would be an opportunity to create a business enterprise or operate a business organization and construct it to run smoothly. You can fulfill this interest by doing work in a role of leadership or by specializing in a procedure that adds to the total effort in a company, nonprofit organization, or government bureau. If you especially like working with individuals, you might obtain fulfillment from working in human resources. If your interest is in numbers this could direct you to look at accounting, finance, budgeting, billing, or financial record-keeping. Occupation as an administrative assistant might interest you if you enjoy a diverseness of employment in busy

surroundings. If you’re skillful with particulars and word processing, you may prefer a line of work as a secretary or data entry keyer. Or maybe you would perform well as the manager of a business organization.

Education and Teaching Individuals:

This would be an opportunity in helping individuals learn. You can fulfill this interest by instructing students and adults, who could be comprised of preschoolers, retired people, or any age in between. You could specialize in a specific academic area or work with people of a particular age, with a specific concern, or individuals with a particular learning problem. Working in a library or museum could open up an opportunity for you to expand folks’ understanding of the universe.

Finance and Insurance:

This would be an opportunity in helping companies and individuals be guaranteed of a financially secure future. You could fulfill this interest by working in a financial or insurance company in a leadership or financial support position. If you enjoy collecting and analyzing data, you might find fulfillment as an insurance claims adjuster or securities analyst. Or you could deal with information at the clerical level as a banking or insurance clerk or in one-on-one situations offering customer service. Some other methods to interact with people is to sell financial or insurance services that will fulfill their needs.

Government and Public Administration:

This would be an opportunity in helping government agencies serve the needs of the public. You could fulfill this interest by working in a role of leadership or by specializing in a function that contributes to the service of the government. You can help protect the public by working as an inspector or examiner to enforce standards. If you enjoy using clerical skills, you might work as a clerk in a court of law or government agency. Or maybe you favor the top-down position of a government administrator or urban planner.

Source by Lamar Dean

How a Denied Disability Lawyer Can Assist You

One of the most frustrating situations for a client with disability insurance occurs when you have to access the insurance you have paid into, often for years, and you are denied the support you are owed, the support you anticipated having available should the worst happen. There are so many loops to jump through to successfully claim disability insurance with most insurance companies – and for many people, the process is so difficult, time consuming, and overwhelming that, at the end of the day, when they are denied disability coverage, they think that is the end and have no recourse. This, however, is not necessarily the case. While there may have been a time when a person who was denied his or her disability insurance claim had little or no further options, this is not always the case today. In fact, with proper legal representation from an experienced disability insurance lawyer, the denied disability claims lawsuit can be fought and even won.

What is Disability Insurance?

Denied disability lawyers come into play for those who have been denied a disability insurance claim, but first one needs to understand the importance of disability insurance. Most of us understand the importance of life insurance, but the reality is that accidents or sicknesses can prevent an individual from being able to work to sustain his or her living. For this reason, disability insurance is just important as life insurance. In fact, a typical 30 year old has 4 times the chance of becoming disabled than of dying before the age of 65.

There are two main types of disability insurance – long term disability and critical illness. Disability insurance will provide a monthly income if an individual is unable to work due to serious injury or illness; critical illness insurance pays out a tax-free lump sum following the diagnosis of an illness noted within the policy. When it comes to filing a claim, the onus is on the claimant to establish that they are disabled within the boundaries of the policy. Proof must be provided by the claimant in order to qualify for the disability benefits, and this proof must hold up to scrutiny. As the reporting on the claim and the interpretation of the said claim is subjective, the potential for denial of said claim can be high in many situations. Once a claim is denied, the recourse is limited to court – denied disability lawyers can help streamline the claimant’s reporting, making it far more likely to be approved and win the settlement.

How to choose a lawyer or law firm

Denied disability lawyers may be found throughout the legal industry, but you want to make sure you choose a lawyer and or a law firm with the best chance of getting results for you with the least amount of initial risk. The reality is that while you are vulnerable and could be easily taken advantage of, your resources will be limited, and this must be part of your consideration. You will find that most law firms or lawyers will ask for payment up front, regardless of the outcome of the case or how much it will cost, win or lose – payment that you probably don’t have considering you are fighting a denied disability claim as it is. But, there are some law firms that will not require payment up front. Some denied disability lawyers will work on a percentage fee basis, and there will be no fees until the claim is settled. Do your research well before hiring a denied disability lawyer to fight your case.

Source by Argy David

Wrongful Death Lawyers

Wrongful death refers to a lawsuit which alleges that the victim was killed as a consequence of negligence or misdeed of another. Usually, wrongful death occurs as a result of personal injury accidents, medical malpractice, auto accidents, workplace accidents, dangerous or defective products, mesothelioma and other accidents. When the proximate cause of the wrongful death of the decedent roots from reckless, careless or negligent acts of another, his actions are often subject to personal injury and/or wrongful death suits.

The loss of a family member causes great pain, turmoil, as well as inconceivable loss of the family. In the stage of grieving, it is hard or impossible to function in everyday life and carry on, let alone think about making a wrongful death claim. This stage leaves the decedent’s family feeling powerless with so many questions unanswered. When you are ready to receive settlement or filing a wrongful death suit, an experienced wrongful death lawyer can be of great help. Though a wrongful death claim cannot replace your loss but it is as close to justice.

If you have lost a loved one due to the negligence of a person or a company, you may have the right to receive compensation from an insurance company or from the person or company responsible for said death. Surviving family members are strongly encouraged to immediately consult with a wrongful death lawyer to safeguard the critical evidence of the fatal accident and to avoid being estopped to institute a claim.

The immediate aftermath of a wrongful death is to hire the services of the right lawyer. Hiring an experienced wrongful death lawyer is a critical decision that may significantly affect the lives of the decedent’s family. Wrongful death lawyers appreciate the complexity in legal issues as well as the powerful emotional trauma absorbed in a wrongful death claim. Experienced wrongful death lawyers will vigilantly represent the rights of the victim while assisting the family members in a dependable and considerate manner by providing information regarding the practical and legal aspects of personal injury law and wrongful death claims including survivor actions, Social Security Disability and Windows Benefits.

To be able to show evidences that a wrongful death happened, an investigation in connection with the death shall be conducted. It is necessary that the wrongful death lawyer have the necessary resources to acquire records and reports as well as thorough information for successful case results. Clients should feel confident about their legal action. With the help of a diligent wrongful death lawyer, the process in recovering the reasonable compensation will be smoother.

Source by M. Williams

Buy a Surety Bond

Types of Surety bonds

  • Title Bonds
  • Sales Tax
  • DMEPOS (medicare)
  • License & Permit
  • Public Official
  • Probate and Other Court Bonds
  • Miscellaneous Surety Bonds
  • Contract Performance Bonds
  • Dealer Bonds

License & Permit

License bonds guarantee the Principal will comply with applicable codes and regulations established by the Obligee. (The Obligee is usually a government entity such as a City, Town, or State.)

Permit bonds grant a Privilege.

Types include:

  • Electrician’s license
  • Plumber’s license
  • General Contractor’s license
  • Driveway permit
  • Sign permit
  • Sales tax

Example: Electrical contractors may be required to post a surety as part of their licensing requirements. The obligation of it may specify that the contractor will follow the electrical codes established in that city, town, or municipality.

The requirements and ordinance must be understood before is written. The agent may ask you to obtain a copy of the ordinance or law that specifies the requirements and a copy of the bond, if the Obligee has its own.

Depending upon the type of obligation, supporting documentation such as signatures, financial statements, and other supplemental information may be required.

Public Official

A Public Official guarantees that elected or appointed officials will faithfully perform their duties. The amount as well as duties are usually specified by statute or ordinance.

Types include:

  • Treasurers
  • Tax Collectors
  • Peace Officers
  • Judges
  • Hunting & Fishing license agents
  • Notaries.

It should be noted that not all public entities require Public Officials to be bonded.

Underwriting aspects of Public official bonds include understanding the duties required of the Official, the reputation (character) of the official, and experience of the official.

Probate & Other Court

A Probate guarantees an honest accounting and faithful performance of duties by fiduciaries/trustees. These bonds are required by courts or statutes as estates of deceased persons, incompetent persons, and minors are set up and administered. (For the estates)

Types include:

  • Administrator
  • Executor
  • Guardian
  • Conservator
  • Trustee.

A Bankruptcy or Equity bond might be required of an appointed fiduciary for the sale of real estate or for property in foreclosure, reorganization or other litigation. This bond guarantees an honest accounting and performance of duties while managing and distributing the assets as directed by the court.

Common types include Receivers and Trustees.

Other Judicial bonds may be required by a court in cases where someone is seeking legal benefit or relief. These court bonds can be extremely hazardous. Specific supplemental information may be required.

Types include:

  • Appeal
  • Injunction
  • Attachment bonds
  • Release of lien.

Miscellaneous Bonds

Miscellaneous surety bonds include those that do not fit into any of the other surety categories. These are usually more hazardous obligations.

Types include:

  • Utility payment guarantees
  • Lost Security/Lost Instruments (cashier’s check, stock certificates, and municipal bonds)
  • Union Wage & Welfare.

Miscellaneous surety bonds require more extensive underwriting because the guarantee to the obligee is monetary. In addition to the application, supporting information such as signatures, financial statements, and other supplemental forms are usually required.

Contract Performance Bond

Simply stated, contract bonds guarantee the performance of a written contract according to its terms and conditions.

Types of Contract Bonds:

  • Bid bond
  • Performance bond
  • Payment bond

A Bid bond guarantees that if a contractor is the low bidder on a project, he/she will enter into a contract and provide a Performance bond.

A Performance bond guarantees the contract will be completed according to its terms and conditions.

A Payment bond guarantees payment of laborers, subcontractors, and material suppliers.

Example: An electrical contractor may need contract bonds to guarantee the performance of construction contract or to guarantee the supply of goods and materials. Most public works projects required Bid, Performance, and Payment bonds from the contractor. These bonds will guarantee the contractor’s performance according to the terms of the contract with the project owner.


What is a surety bond?

Definition: In the simplest terms, a surety bond is a guarantee. What the bond guarantees varies depending on the language of the bond. It is a form of credit, not insurance.

What is the process to obtain a bond?

To start the process you need to apply. Your agent will usually have an approval for you anywhere from that same day to 4 business days. You will then be given your premium cost and an agreement between you and the bonding company. The bond is then issued 1-2 business days from receipt of payment and the agreement (original agreement is often required).

How do surety bonds work?

The principal (you) pays a percentage of the bond amount called a bond premium. In return, the surety extends “surety credit” to make the required guarantee (the bond). A claim can arise when the principal does not abide by the terms of the bond. In the event of a claim, the surety will investigate to ensure it is valid. If the claim is valid, the surety will look to the principal for payment

of the claim and any associated legal fees.

What good is a bond if I have to pay for claims?

A bond is not insurance, it is a form of credit where the principal (you) are responsible to pay any claims. The alternative to a bond is to post cash or a letter of credit. Surety bonds are advantageous, as they typically require no collateral, which frees up capital. Bond premiums are also similar to fees for letters of credit and are typically less than one would earn making conservative investments with the available capital.

How much do surety bonds cost?

Bond premiums vary greatly depending on the applicant, the bond type, surety, and the obligee. Just like other forms of credit, everyone does not receive the same rate. Standard market rates are typically anywhere from 1-3%, while higher risk markets can range anywhere from 5-20% of the bond amount.

Why do I need a surety bond?

Simply because a government authority or private entity is requiring the bond in order for you to operate. The bond ensures you will follow their guidelines.

Who is the obligee?

The obligee is whoever is requiring the bond of you. You are not the obligee. For example, the obligee for a contractor would be whoever they are doing the work for. The obligee for a license bond (e.g. auto dealer or mortgage broker) would be whoever they are filing their license with.

What is a blank bond form and where do I get one?

It is a blank copy of the bond that you are required to post. It states exactly what the bond is guaranteeing. Your bond agency will use it to create the original bond by completing the blanks on the form, signing on behalf of the surety, and attaching a power of attorney. You need to obtain a blank copy of the bond form from the obligee.

What is the turnaround time?

Approval time varies depending on the type of bond and the program the applicant falls under. Some are approved immediately, others can take up to 1-4 business days. Bond issuance is typically 1-2 business days from receipt of payment and anything else required by surety for issuance of the bond.

Why does my spouse have to sign the indemnity agreement?

Bonding companies have several reasons why they would like your spouse to personally guarantee the bond. Keep in mind, a bond is a guarantee of something. The bonding company does the best they can to underwrite your policy, but have no way to gauge your character. A good way to do this is to have your spouse personally guarantee it, as they know you best. Spouses are also required to sign, as a married couples have joint assets, which may have to be sought after in the event of a claim.

Source by Gilbert Trujillo

The Insurance Science of Disability

If you are young and healthy, you probably have given little thought to the notion of disability insurance. Most employees in this age-range may even scoff it off as negligible in view of their youth.

“Disability insurance? “Compensation if I become unable to work?” they may exclaim. “Why, this is coverage that I do not really need.”

If you would speak to the professionals – those in the trenches when it comes to related liability and insurance claims, you would hear a very different story. In fact, the discussion would lead you to be ever so grateful that you are covered!

Deep down, every person understands that any blessing we have in life should never be taken for granted. Car accidents, business mishaps, home devastation – all these things happen. Likewise no one can guarantee that sickness or illness will not disrupt a life once devoid of it – regardless of the current station one finds oneself in.

Need more on the matter? Here are the sobering facts:

• 1 in 4 young people in the age bracket of twenty years suffer from a long-term illness or injury.

• Each year, there are over 700,000 paid workers and employees that are awarded social security disability insurance benefits.

• In general, 1 in every 15 employees files a short-term disability claim per year.

• Almost fifty percent of all Americans do not have the money to fund a four hundred dollar medical emergency.

• Breaking or fracturing a leg may cause a three month or longer employment disruption.

• On the average, a long term disability insurance claim lasts longer than two years and six months.

• A work related physical disability can be the result of varying factors, including chronic headaches, ongoing backaches, cancer related treatments, treatment, the birth of a new baby, loss of eyesight, heart disease, mental and emotional illness and stokes as well as other maladies and situations.

• The average income of newly graduating higher education students is approximately $1,101. Weigh that with the average long-term disability maximum claim of $125,450 of loss of income.

With the current available data about young working people, a disability that renders someone incapable of working would have devastating effects without the proper insurance coverage.

Did you know?

• Thirty five percent of young employees experience difficulties in meeting everyday monthly costs.

• Close to 70 percent of all US citizens do not have even a thousand dollars in savings.

• To make matters worse, thirty-one percent of those in the age bracket of eighteen years to thirty years have no savings at all.

Life has its monetary responsibilities. These may include rent, mortgage, student loans, auto payments and more. Shield your earnings and the ability to make ends meet by making sure you have protective indemnity of disability insurance.

Source by M Wyzanski

High Paying AdSense Keywords Exposed

When you are dealing with AdSense, one must always remember to check for the right keywords and niche to maximize your profits.

If you are dealing with the wrong keywords, then you are going to earn a lot less in your AdSense check. The amount of clicks that you get from your effort and traffic will not differ much, what really makes a difference are keywords that actually pay well.

Below we explore some of these keywords and explain why they’re so valuable and why you should give it a try with the listed keywords below.

List of high paying AdSense keywords in 2012

donate car to charity California ($130.25)

donate car for tax credit ($126.65)

donate cars in ma ($125.58)

donate your car Sacramento ($118.20)

how to donate a car in California ($111.21)

donate your car for kids ($106.01)

car insurance quotes Colorado ($100.93)

Nunavut culture ($99.52)

Dayton freight lines ($99.39)

harddrive data recovery services ($98.59)

donate a car in Maryland ($98.51)

motor replacements ($98.43)

cheap domain registration hosting ($98.39)

donating a car in Maryland ($98.20)

donate cars Illinois ($98.13)

criminal defense attorneys Florida ($98.07)

best criminal lawyer in Arizona ($97.93)

car insurance quotes Utah ($97.92)

life insurance co Lincoln ($97.07)

Holland Michigan college ($95.74)

online motor insurance quotes ($95.73)

online colledges ($95.65)

paperport promotional code ($95.13)

onlineclasses ($95.06)

world trade center footage ($95.02)

massage school Dallas Texas ($94.90)

psychic for free ($94.61)

donate old cars to charity ($94.55)

low credit line credit cards ($94.49)

Dallas mesothelioma attorneys ($94.33)

car insurance quotes MN ($94.29)

donate your car for money ($94.01)

cheap auto insurance in VA ($93.84)

met auto ($93.70)

forensics online course ($93.51)

home phone internet bundle ($93.32)

donating used cars to charity ($93.17)

phd in counseling education ($92.99)

neuson ($92.89)

car insurance quotes pa ($92.88)

royalty free images stock ($92.76)

car insurance in South Dakota ($92.72)

email bulk service ($92.55)

webex costs ($92.38)

cheap car insurance for ladies ($92.23)

cheap car insurance in virginia ($92.03)

register free domains ($92.03)

better conferencing calls ($91.44)

futuristic architecture ($91.44)

mortgage adviser ($91.29)

This is by no means a complete list of keywords, but it should serve to help us understand these keywords better.

The highest paying keyword on the list now is “donate car to charity California ($130.25)”.

However, this keyword is a localized keyword and is based on California. All the localized keywords will mean one thing to AdSense advertisers, and that is limited traffic. Hence in order to start an entire AdSense themed site for a keyword that is targeted at one single area alone could be a risk. You will not know if it is paying off or not.

If it does pay off, then you will realize that it is indeed a golden keyword where each click from your site visitor will gross you for $130.25! That’s a lot of money. If your site can rank high on the search engines and get around 100 visits a day with just a 10% click you’ll earn over $1000 dollars.

It’s very lucrative yes but in reality, you are actually going to have to work very hard for a high-value keyword such as this to rank high on the search engines. Not only that, you will find it quite difficult to get enough traffic from California alone. Hence you will need a very strong traffic strategy for this kind of keyword.

Scrolling further down the list you will find a keyword that says ‘hard drive data recovery services ($98.59)’. This keyword is golden because it is not a localized keyword. You can be sure to be able to get a lot of traffic because the keyword can come from any state of the country and thus the amount of searchers for these keywords is surely going to be very high.

And if you take a look at the price per click, $98.59 is not bad at all. There you should always go for this kind of keywords in your campaign. Note that the competition on these keywords will surely be very high, and that you will have to work extra hard to make it pay off. The thing is, once it pays off, you will definitely be able to make a great amount of money, and all your efforts will be worthwhile.

If you take a quick glance at the list above you will find that many of these keywords are localized words and thus making the game that much harder to win at. A good strategy is to choose multiple keywords and try to rank high for all the terms but this would require a lot of work, and usually this strategy is used by larger affiliates who have a workforce to get all the work done for them.

There are a lot more of these high-paying keywords, and they could vary each year. Therefore, a good advice for newcomer AdSense marketers is to keep a look out for high-paying keywords and try your best to focus on one or two of the keywords first. When you are able to nail just one of these keywords down and start earning, you’ll be in for a huge treat indeed.

Source by Max Kim

A Promissory Note Trap-Lending Without Understanding Is Costly

The Story

Names and locations have been changed to protect privacy. The widow, Paula Raymond, was 84 years old and feeling the effects of aging. She had been living alone after the death of her husband in 2009. She lived in the same 60-year-old house they bought 55 years ago, in 1954. The house had not been updated since its purchase, was in need of repairs, and was now too large for her. She decided to gift it to her only grandson, Jack, who was 22 years old. Paula, being frugal, purchased a Quit Claim Deed form at the stationary store, filled in the blanks and presented it to Jack. He took it to the courthouse and had it recorded.

Shortly after that, in 2009, Paula moved into an assisted living facility. Jack decided to modernize the house and then sell it. He obtained construction bids from three reputable contractors and accepted a $75,000 bid. Jack’s father, Robert, agreed to lend Jack $75,000 that was evidenced by a promissory note secured by a mortgage on the property. Robert agreed to become a financial partner in the project. Their plan was to do a first-class modernization job and sell for a profit. This was in the spring of 2010.

Jack went on the internet and downloaded a blank promissory note form and a mortgage form, filled them out, executed them, gave Robert the executed note, and recorded the mortgage. Four months later the modernization job was completed, and the property was listed for sale with a local Realtor for $450,000. After being on the market for 60 days, it went under contract at the full listed price. The Realtor arranged for the closing with a local title insurance company. A Title Insurance Commitment was order.

Title Problems are Discovered

When Paula and her husband purchased the property in 1954, they closed the transaction with the seller themselves; there were no title insurance companies in the community. No updated title information had been obtained on the property for 56 years. The Title Commitment ordered in 2010, showed numerous title problems. Jack, Robert, and the Realtor were confronted with the following issues stated in the 2010 Title Commitment:

  1. The deed conveying title to Paula and her husband was not notarized.
  2. When Paula and her husband purchased, there was an unreleased mortgage of record that was owed by the sellers.
  3. When Paula and her husband purchased, there was an unreleased judgment lien of record owed by the sellers.
  4. A fresh survey showed the winding driveway from the main road to the house encroached on a neighboring parcel of land.
  5. A fresh survey showed the storage shed at the rear of the property, and the properties rear fence, encroached on an other neighboring parcel of land.

Title Problems are Dealt With

The buyers’ attorney reviewed the Title Commitment; he advised his clients to exercise an escape clause in the purchase contract and to terminate the contract. Now Jack and Robert owned a newly remodeled, $450,000, vacant house; it had a $75,000 promissory note and mortgage on; it couldn’t be sold until five complex title issues were resolved. In addition to the title problems, the general real estate market, and the local property values, were all declining.

To resolve the five title problems required engaging a local attorney who had to negotiate with several other attorneys representing the other adjoining property owners to resolve the encroachment issues. He also had to do a Quiet Title Action to clear the defects caused by the unreleased liens.

It took eighteen months and $24,000 in legal fees and costs to resolve the five title issues. In early 2013, the property was re-listed for sale. Its market value had declined 15% during the time it was off the market: from $450,000 to $382,500–a $67,500 decline. During the eighteen months the property was vacant, the taxes, insurance, lawn care, and heat and light costs amounted to $2,600. When the property finally went under contract the buyer couldn’t qualify for a bank loan. Jack and Robert decided to provide the buyer with seller financing. They carried the loan for five years at 5.0% interest.

The total cost of the mishandled title issues was a sales proceeds decrease of $94,100 and not receiving cash from the sale for five years.


Honest, well intended, individuals applying commonsense procedures to technical legal matters can inadvertently destroy values. Not knowing what one does not know results in a costly learning experience.

Source by Lawrence Tepper

Bundling Medical Insurance Codes – Stop Loosing Money To "Bundled" Medical Insurance Claims

What exactly is “bundling” anyway? It is when an insurance carrier combines two or more CPT codes, substituting one overarching code, often ignoring modifiers along the way. This practice can cut down on your receivables. When codes are bundled, the codes are grouped together and the insurance carrier will only allow the fee schedule allowance for the one code that they feel is appropriate.

There are ways to get around bundling. First you need to make sure you are billing the claim properly on the initial submission. For example, if you are billing for an E&M code for a patient who comes in with high blood pressure but the patient is also complaining of knee pain and you end up doing an aspiration of the knee joint, then you need to make sure you use the correct modifiers to indicate what you are doing. You want to bill the E&M code, say it is a 99213, with a 25 modifier to indicate that it is a separate and distinct service provided during the same visit. Then you would bill for the aspiration of the knee joint with the appropriate code using a 59 modifier to indicate a distinct procedural service.

It is quite necessary to know the proper use of all the different modifiers to get full reimbursement for your services. Also as important is the ability to read an EOB (explanation of benefits statement) correctly. EOBs can be fairly complicated and it is important to understand what the insurance company did with the claim.

When the claim is processed and you receive the EOB you need to make sure the insurance company allowed both codes separately. After all, you did an office visit to manage to high blood pressure and you did the aspiration which was completely separate from the office visit.

If the insurance carrier bundles your codes you should file an appeal. In many cases the insurance carrier will reprocess the claim and unbundled the codes if you go through the appeal process.

The appeal does not have to be complicated. It can be a form letter that you design where you just need to fill in the blanks. A lot of carriers bundle the claims on initial processing because the majority of offices will not appeal the claim. Just think how much money they save!

You may think that it’s not worth the time to appeal but you may be surprised if you knew how much money you actually lost over time. If you have a system in place to file the appeals that is a fairly simple process it won’t take much time and you can increase your receivables. In my opinion, it is worth the effort.

Copyright 2007 – Michele Redmond

Source by Michele Redmond