Lets assume that you have been involved in an accident that was not you fault and your Attorney has negotiated a settlement. But by the time you pay the Doctor he sent you to and then pay the Attorney his one third there is not very much left over for you. To make matters even worse, you probably signed a retainer agreement with the attorney agreeing to the one third or forty percent if he has to go to court.
You might consider having the Attorney ask the Doctor to lower his bill, in order to get you more money out of the settlement. But if the two of them are good friends not much is going to happen.
Here is what you could do. Tell the Attorney you are not happy with the settlement. He can’t accept it without your approval. Then let him know that if he can’t do better with a settlement you want to go to court. This is probably something your Attorney doesn’t want to do because he managed this settlement with a few simple phone calls, and now he may have to spend days in Court for just a few dollars more. Also, his friend the Doctor will have to spend some time coming to Court and testifying.
The Attorney is legally required to go forward with your case to Court, which of course he doesn’t want to do. So as he puts pressure on you to settle, simply suggest he cut his one third to twenty five percent and the Doctor cut his bill also. If your Attorney refuses, always keep in mind that when you reach those Court House steps the insurance company might very well increase their offer of settlement.
Each State in the United States has their own unique laws governing the requirements for becoming a licensed psychologist. For the most part they are usually somewhat similar, with California being the most strict.
Typically the states require graduation from a school approved by the American Psychology Association. This can take anywhere from 4 to 7 years, depending upon the student requiring a bachelors, masters or doctorate degree . After graduation a 1 to 2 year professionally supervised work training program is required. This is followed by national and local examinations.
Pastoral counseling is a successful alternative to the state controlled field of psychological counseling. It is considered by some to be a mixture of a sense of spirituality with the science of psychology. It is because the First Amendment to the constitution states in part, that congress shall make no law respecting the free exercise of religion, that pastoral counseling exists today.
There are affordable 2 and 3 year online universities that offer a program in pastoral counseling.
You can save up to 30% of what you’re currently paying for auto insurance by following certain rules. The average auto policy in the United States runs just over $800 per year, So considerable savings are possible and if your policy is more costly the discounts are proportionately higher.
The first rule is never renew your existing policy without checking the cost of other policies found in the market place . There are websites that will give you a quote or insurance brokers who will do likewise. Keep in mind that what you are looking for are brokers or websites that handle many different insurance companies. Each policy holder has their own unique driving situation and each insurance company has their own preferences. The idea is to put the two parties together with as inexpensive of a policy as possible.
The second rule concerns discounts. Many insurance companies will give the policy holder a discount for certain things that they have or have done. The insurance company must be told about these matters, but in most cases it is necessary to actually have to ask for the discount. Discounts range from 5% to 20% of the premium. Although the discounts are additive the companies usually put a cap on the total that can be used. You may find that some have already been figured in, but it is worth checking.
Discounts: Anti-theft Device on Auto, Marriage Discount, Advance Degree Discount, Children have good grades 3.0 or better Discount, Low Mileage Discount(driving limited to 5000 to 8000 miles per year), Clubs such as AARP, AAA, GEICO, Unions, etc. Discount., Driving Classes Discount, Paying premium upfront Discount, Paying premium by automatic check Discount, Homeowner Discount, Bundling auto policy with other policies Discou.t
Nobody wants to be the victim of a heart attack. And as a result of this type of thinking it is very easy to be in denial of the problem when it is actually present. Unlike the dramatic heart attacks we see portrayed on television or in the movies, most heart attacks start out slowly with little pain and discomfort.
Here are the warning signs that indicate a heart attack is happening.
- Most people experience some chest discomfort that is steady or intermittent. They feel pressure in the center of the chest as if someone is sitting there. It may feel as though the person sitting there is causing a squeezing sensation or feelings of pain in the chest.
- The discomfort that is present need not be in the chest. It could be located in any part of the upper body, such as the arm, neck, jaw, back, or even the stomach.
- The person may feel a shortness of breath or trouble catching their breath. This symptom my occur with or without any chest discomfort.
- Breaking out in a cold sweat, lightheadedness and sometimes nausea can also be signs of a heart attack.
In the event a person is experiencing the symptoms of a heart attack, it is extremely important to receive proper care as soon as possible. One of the best way to accomplish this is to call 911. They are fully equipped to handle such emergencies. Plus they have the ability to arrive at your location probably faster than you could drive to a hospital. If for some reason it is best for you to go to a hospital, have someone drive you, do not drive yourself.
The 911 operator may instruct you chew an aspirin tablet to help break up clots while waiting for the ambulance. You should always have regular standard aspirin tablets available in your home. Tylenol or other pain relievers won’t work. It must be regular aspirin, like Bayer Aspirin.
Scientists at the University Of Wales, in the U.K. were amazed when they discovered the health giving properties found in honey. It is true that honey has been used for centuries., it is also true the stories about its benefits were thought to be wishful old wives tales. Contemporary research is rapidly changing its mind about honey.
In tracking a group of over 700 men for a 25 year period it was discovered that those who used honey had a much lower mortality rate than the group who did not use honey. Other beneficial effects were found such as honey having excellent antimicrobial qualities and very useful as a wound healer.
Other treatment areas such as the flu, digestive upset and generally improved health, are claimed for honey, especially when made into a tea and mixed with cinnamon. (4 cups water, 4 teaspoons honey, 1 tea spoon cinnamon). Drink 1/4 cup at a time 3 0r 4 times a day. According to the literature it would be a good idea to eliminate the cinnamon 1 week out of a month. It should also be realized that these claims have not yet been evaluated medically.