What Does Experience Mean?

What does experience mean in the modern world? It’s a question I’ve long pondered. In times before now, before the internet, iPhones, and the constant availability of knowledge, experience was truly important. You needed people who knew everything about something in order to run the world because it just took too long to learn new things.

That’s still true in some areas. We need want experienced doctors, for instance, and we still want experienced astronauts and scientists. Those fields are too complex to pick up quickly, but most others, it’s harder to say.

Take, for instance, accounting. Do you really need an experienced accountant anymore? Perhaps if you’re rich and you really want to avoid as many taxes as possible, but for the rest of us, it’s just a matter of using the right tax programs and doing a little research online.

How many fields will this be true for, in the future, I wonder? Will the state of knowledge reach a point where we don’t particularly need experts anymore?

It seems like this could possibly be true, in terms of available information, but that we’re going the opposite direction. Take a look at the job market. These days, an entry-level job requires two years of experience. How these two years are to be gained if entry-level positions aren’t available is not clear, but the requirement is there.

In fact, as machines and computers take over more manual and basic computation work every year, experience has become ever more prized, perhaps simply because we must prize some quality.

Or perhaps, we prize experience just because it’s in our nature to consider it an important quality, a respectable quality.

Consider this law page, which advertises for Munley Law, where experience is placed in bold as a major selling point. People still look for experience and take comfort in it, even if a new lawyer would have just as good a chance of winning that case as an experienced one.

So, perhaps the question should be rephrased. Experience in the modern world means one of the few things people still respect and pay for. The question should instead be: though we respect experience, do we really need it anymore?

I would bet that 90% of the jobs out there could be done by novices with only the very slightest amount of training.

That training and the requisite brief period of researching answers that might also be required may slow down employees temporarily, but when they come at entry-level wages, surely many industries will think the slow down more than justified.

Which again makes me think the question should be rephrased. If we don’t need experience in most jobs, how long before businesses realize this and start making changes accordingly, even if their customers still prefer experience?

It’s a sobering thought, and it’s just another sign that the way we view the ideas of employment and income is sure to change in the coming decades.

What to do if your insurance company is not being helpful

Disasters that damage commercial properties can prove to be too costly to the owners and their business. Most often, the only probable and fastest solution that can help property owners rise up from losses is through insurance claims, to which larger premiums have been paid for purposes of adequate protection during catastrophes.

Many calamities have occurred, though, and many commercial property claims have been filed, but the usual responses from insurance providers have either been total denial of the claim or payment that fall short of the full amount of premium specified.

Filing for claims is almost always without a disputed issue, a fact that points to the interests of the insurance firm and the insured frequently in opposition of each other. For the insured believes that after paying the stipulated premiums, the insurance provider will pay for all things claimed or the full amount of benefits specified in the contract. This, however, is almost always never the case as insurance firms oftentimes resort to means that will keep them from paying the full benefits. Not keeping to their end of the deal, insurance providers often get accused of acting in bad faith, that is, unjustly treating claims made, either through denial or under valuation of damages and losses for minimal payments.

To approve a claim, information related to the following are required by insurers:

  • What caused the loss
  • Whether the loss is actually covered by the policy
  • The extent of damage to the property
  • Which items need replacement or mere repairs
  • The actual cost required in the repair or replacement of the property
  • The actual amount the insurance firm ought to pay the claimant

The Texas Department of Insurance points out that cause of loss or damage to property is not limited to natural disasters, like earthquake or weather events, but also fire, flood, plumbing leaks or theft. A denial or any under valuation of claims can have a major effect on owners of properties.

According to Texas insurance claim attorneys of Williams Kherkher, commercial policy claims are seldom straightforward. Unfortunately for policyholders, commercial insurance policies are written so poorly that courts are frequently required to interrupt what benefits the business is actually entitled to when it suffers a catastrophic loss. A quick look at your commercial policy shows something like, “If X occurs we will pay the cost to repair your property, unless Y also occurs. If, however, Y causes Z then we will pay to repair the loss.

When your commercial property is damaged, bringing your business or organization back online can come with an enormous repair bill that may be impossible to fund without swift payment from your insurance company. Now, whether your insurance company is causing unreasonable delays in payment, pressuring you to accept a too-low offer, or has denied your claim in its entirety, seeking skilled legal representation can help you to resolve the conflict in a timely manner so that you can begin the recovery process. The sooner you file a claim, the better, so take action today.

Post-Traumatic Stress Disorder from Car Accidents

Traffic accidents can be strong enough to inflict serious injury or death. For this reason, many survivors of devastating crashes experience emotional and psychological stress. This can be considered more tragic if the incident has been triggered by somebody else, like a drunk driver or a speeding vehicle.

Victims have legal options to pursue, such as compensation. But at the end of the day, even compensations are not enough to offset the damages of post-traumatic stress.

How Post-Traumatic Stress is Diagnosed
To be diagnosed with post-traumatic stress disorder, a patient needs to pass certain criteria, such as the following:

  • The person has experienced or witnessed a traumatic event that is capable of inflicting serious injury or death
  • The person’s reaction to the traumatic event involve fear and sense of helplessness
  • The traumatic event is re-experienced, in the form of flashbacks, hallucinations, nightmares, and other mental movements
  • Emotional and psychological problems arise when the person is exposed to symbols and cues that relate to the traumatic event

Other Signs of Post-Traumatic Stress
Aside from the general criteria above, victims may have other symptoms and reactions associated with post-traumatic stress disorder. These symptoms and reactions include the following:

  • The victim tries to avoid any stimulus associated with the traumatic event, such as conversations, places, and thoughts
  • Difficulty in concentrating and sleeping
  • Increased irritability
  • Social withdrawal and disinterest

Treatment
In order to treat post-traumatic stress disorder from car accident victims, it is important for the health professional to enlighten the victims regarding the disorder, its symptoms, and its possible effects to life. This gives the victims the impression that the disorder can be common on such traumatic events and their cases are not isolated. Once acceptance of the disorder has been established, it will be much easier to treat.

Below are some of the treatments that can reduce or cure post-traumatic stress disorder:

  • Exercise and other physical activities
  • Eye movement desensitization and reprocessing therapy
  • Medication
  • Relaxation therapy

Post-traumatic stress disorder can be classified as a disability, according to long-term disability lawyers. It may be possible to seek disability benefits if your PTSD makes you unable to work.

Workers’ Compensation Benefits Plus the Possibility of a Third Party Claim

There are different forms of danger in any type of work environment, these dangers being dependent on the kinds of equipment, tools and substances workers or employees are regularly exposed to. Of the different types of workplaces, however, construction sites remain to be among the most dangerous due to all the tools and hazardous substances that can possibly cause injuries or illness; add to these the high places workers often need to reach in order to complete their assigned task. Some of the causes of worker injury include falls, especially among those working on roofs, ladders or scaffolds, falling objects that can severely injure (or even kill) workers, huge vehicles or equipment that can pin and crush unsuspecting workers, plus daily exposure to chemicals which can cause deadly, chronic illnesses.

As one of the most dangerous career fields in the country, construction work leads all other occupational categories in causing fatalities and serious injuries among workers. In 2013 and 2014, the U.S. Bureau of Labor Statistics’ Census of Fatal Occupational Injuries (CFOI) reported 4,585 and 4,679, respectively, fatal work-related accidents. Before 1971, the year the Department of Labor’s Occupational Safety and Health Administration (OSHA) was established, the number of work-related deaths in construction sites was about 38 a day; from 1971 to 2014, the yearly average of fatal accidents was significantly reduced to about 13 a day.

According to OSHA, the number one cause of death for construction workers in the U.S. is falls from great heights, such as falling off from roofs, ladders or scaffoldings; about 2.3 million construction workers work on these surfaces everyday. In 2014, there were 899 fatal accidents in construction sites; about 359 of these were due to falls.

Workplace accidents can result not only to physical injuries, but to financial difficulties too, particularly if the injury is serious as this would mean costly medical treatment and medication, and days or weeks off from work, which means no salary to expect. If not for the cash benefits provided by the Workers’ Compensation Insurance program, there wouldn’t be any financial safety net that will cushion injured workers from the unexpected loss of regular income (the cash benefit paid by Workers’ Comp, however, is just about two/thirds of the injured worker’s average wage). This Workers’ Comp program, by the way, is a state-administered insurance program that is designed to provide immediate cash benefits to workers whose injury, disability or illness is work-related (regardless of whose fault the harm is). The only factors that will disqualify a worker from eligibility to receive the cash benefits are the injury being self-inflicted, the injured worker was intoxicated at the time when he/she was injured, or if the injury was sustained as a result of actions that violate a law or a company policy on workplace safety.

An article in the website of  a Failure to Supervise Lawyer mentions how important it is for a worker to “evaluate whether he/she has any other potential claims as a result of being injured on the job in addition to his/her Workers’ Compensation benefits. In New Jersey, for instance, there is the possibility of a third party lawsuit in addition to bringing a Workers’ Compensation claim. However, workers cannot sue their employer unless they are able to prove the injuries were caused by willful actions.

However you may be able to bring a third party claim for your injuries. For example, if you were injured by a defective product or piece of machinery, if you were operating a vehicle while in the course of employment, were injured while making a delivery such as slipping and falling on ice, or tripping in a pothole, or if you were exposed to a toxic substance you may have a third party claim.”

Common Defenses In A Product Liability Case

When a product is sent and sold to the market, there is always an assumption that it has been tested and hence safe for use by customers. However, while majority of the products are free from any risk, some defective products still find their way into the market. According to the website of Karlin, Fleisher & Falkenberg, LLC, when this happens, customers can sustain serious injuries or even get killed.

While customers have the right to sue the manufacturer for selling a dangerous product, the manufacturer will not just give in and give the customer a tough legal battle. The defense will map out several defensive strategies, the following are the most common defenses they will use:

1. Assumption of Risk

If the plaintiff is aware that the way they will use the product could result to injury or malfunction, the defendant could leave the lawsuit unscathed based on the defense of “assumption of risk.” In contrast to contributory or comparative negligence where the customer is not aware of the possible results of their negligence, there lies the difference with assumption of risk.

2. The Statute of Limitations Has Expired

Another common defense of the defendant has to do with the statutes of limitations. They can prove in court that the plaintiff filed the case after the expiration of the statute of limitations.

3. Misuse and Alteration

A manufacturer may be freed from liability if the use of the product was contrary to express and adequate instructions or warnings that come with the products. In addition, the manufacturer can also defend themselves from liability when the product has already been altered after leaving its hands.

4. Breach of Warranty

The defendant may not be held liable if the plaintiff was unable to provide them with proper notice or if the warranty was disclaimed. So if the plaintiff agreed with the defendant at the time of purchase that the warranty was not applicable, the defendant is acquitted of liability.

When You Survive a Car Accident

They say that victims have graves and that survivors have scars. When you survive something horrible, it is considered a gift or a blessing to be able to live after it—but it can also be quite the burden to have to carry the burden of that horrible memory for the rest of your life, especially when you did nothing to warrant the incident in the first place.

Many people know this pain as, according to the website of the lawyers with Williams Kherkher, there are over two million car accidents that happen every single year. Because of these accidents, there are then hundreds of thousands of people who are then injured when they survive. If they don’t, their surviving kin then has all the grief and mess to deal with—and for every lost life due to a car accident, there are then widowed wives or grieving parents and siblings or benefactors left in a state of destitution.

So, what happens when you survive a car accident?

A car accident, when you think about it, can be something as inconsequential as a scratched paint job or even a dented bumper when these are incidents that may be inconvenient but are overall harmless. The kind of car accident that involves personal injury, however, can be far more damaging than what first meets the eye. When personal injury comes into play, things can get a bit more than just complicated.

For example, if a person was injured or wrongfully killed due to a car accident, then legal action can be taken in order to demand for recompense for the damages done, otherwise known as the injuries. This can be a trying process as there’s more than just the basic medical expenses that need to be covered, and insurance coverage can be tricky.

What Can Qualify as Nursing Home Abuse?

The most well-known attribute about abuse is physical. Whenever most people who have never suffered abuse before then start to think about the idea of abuse, usually what comes to mind is the most obvious. They might think about bruises and cut lips. A lot of people who have never been abused before might imagine that it’s always painstakingly obvious – and that it’s easy to just walk away from when nothing could be farther from the truth.

Sometimes, abuse is quiet; sometimes, the victim is led to believe they deserve it; sometimes, neither the abuser nor the abuse know that there is abuse going on.

One such example of this is nursing home abuse. According to the website of the lawyers with Resmini Law, it is sometimes difficult to detect when abuse of this nature is actually happening. People often expect it to be obvious when, really, it isn’t. Simple insufficiency or incompetence of staff can constitute as nursing home abuse, believe it or not. Every home must not only be equipped with appropriate facilities but must also be staffed in enough capable professionals.

Each person admitted into a home should be given specialized, individual care. It’s the same basic principle of a usual hospital: you wouldn’t give the medication of a diabetic person to someone with meningitis or something of the like. Every individual admitted for care needs to be treated individually and specifically, which is why it is so important that a nursing home abides by the expected standard of care at all times.

If you or someone you know has a relative that you suspect is being abused at a nursing home, it is then the most appropriate course of action to contact professional, experienced help immediately in order to investigate your suspicions or initial investigations. Just remember that abuse isn’t always loud – sometimes it is quiet and needs to be paid attention to before it is then noticeable.

Saving Your Loved One from Nursing Home Abuse

There are about 16,000 nursing homes all across the US, all of which promising to offer quality care and a homely shelter to more than a million elders, accident victims who require therapy and rehabilitation, and mentally incapacitated young adults. Family members take their loved one to a nursing home facility where they believe the latter will receive the best amount of attention and care which they can no longer provide due to work and other demands of daily living. But, rather than being rest assured that their loved one is finally in an environment where they will be cared for, they become bothered with worry over the real situation in nursing homes due to the widespread news of neglect and abuses being committed against residents.

According to the website of the LaMarca Law Group, P.C., nursing home abuse can take many forms: there is physical abuse; financial abuse; sexual abuse (which is considered the most cruel and most humiliating); and, emotional abuse. Emotional abuse, specifically, against elders and other residents can be done through many different ways, such as scorn or ridicule, humiliation, being isolated from others, threats, behavior meant to scare, frequent disregard of resident’s needs, constant yelling and blaming, even in simplest mistakes.

Resident abuse and neglect are usually committed in facilities where there is not enough number of staff, nurse aids, and registered nurses. Due to the number of residents and their demanding needs nursing home employees are always overworked, tired and fatigued. These, coupled with the lack of training in some facilities, abuses and neglect are the most logical results.

According to the website of the Wisconsin nursing home abuse lawyers at Hotze Runkle, abuses, not always immediately obvious. If the abused residents do not talk about it or make their complaints obvious, then these abuses can go on unnoticed for a long time. Being observant of any sudden changes in residents’ behavior, however, may just reveal that something wrong is going on. Abused residents usually:

  • Suddenly begin to display low self-confidence
  • Avoid having eye contact with their visiting kin and other residents
  • Suddenly become more silent, avoiding to talk about details
  • Start feeling afraid and disturbed
  • Become withdrawn and depressed
  • Begin to show mood swings

If you are able to sense any sign of abuse committed against your loved one living in a nursing home facility, rather than force him or her to talk and open up, which may be very unlikely anyway, the better thing to do can be to seek legal assistance from a skilled lawyer who may be able to help you find out the veracity of your hunch and so save your loved one from further harm.

Workplace Injuries

Although accidents resulting to injuries or death may occur in any type of working environment, these remain most common in construction sites due to the presence of many different dangerously sharp and heavy tools, hazardous substances, and machinery which, if not correctly operated or maintained, can cause terrible accidents.

In 1971 the Occupational Safety and Health Administration (OSHA) was established for the main purpose of enforcing the mandates of the Occupational Safety and Health Act (also called OSH Act) of 1970. The core of these mandates rests in making sure that all types of working environments are safe and healthy to make sure that workers and employees and always safe from accidents and any type of substances that can cause them harm.

In ensuring safety, specifically, in construction sites, OSHA enforces the following:

  • Make sure all stairways and ladders are safe
  • Wearing of proper gears that will provide protections against falls, falling objects, slip and fall, and other types of possible accidents
  • Make sure that all working areas and passage ways are appropriately lighted
  • Installation of ground fault-circuit interrupters (GFCIs)
  • Make sure that there are wash areas within 25 feet from battery-changing places
  • Putting-up of clearly readable and visible accident-prevention signs and tags (these will also need to be removed when danger is no longer present)
  • Availability of fire extinguishers with, at least, a 2A-rating every 3000 square feet

Despite these safety standards and firms’ own mandates on the observance and implementation of safety measures, still there are some workers who become neglectful in their duties – carelessness that often results to accidents.

Now, workers should know that, besides their right to a safe and healthy environment, they also have the legal right to seek compensation from the employer-sponsored Workers’ Compensation Insurance program in the event of work-related accidents or illnesses. Workers’ Comp was designed to cover cost of medical treatment and wages lost, among other things.

As explained on the website of the LaMarca Law Group, P.C., the Workers’ Compensation Act states that anyone who would sustain work-related injuries could be entitled to receive financial benefits; and by “anyone,” this means any employee in any type of working environment.

The website of Hach & Rose, LLP, says that workers have a right to compensation for job-related injuries or illnesses which are due to the failure of employers to comply with the OSHA mandates. To make sure that application for the financial benefit is accomplished correctly, as well as for the greater chance that the application will not be denied, seeking help from an experienced Workers’ Comp lawyer may be a necessity.

Copywriting: Choosing Between Freelancers and Copywriting Service Firms

For your online business to be noticed, it depends on how you advertise and market your products or services, how attractive and catchy your website is, and, according to the website of Kinetic Word, how persuasive your ads’ words are. But what really matters, of course, is the relevance of your service to your prospected clients’ needs and just how efficient and accurate this service is.

One type of online service that continues to rake in profits, both for individuals and firms, is copywriting: the process of writing advertising materials that would make the reader take action. Copywriting texts are found on billboards, catalogs, brochures, advertisements, emails, websites, and so forth.

Copywriters, especially those who are professionally skilled, continue to be in high demand and, despite the influx of applicants, this huge and still expanding industry has plenty of rooms to offer. For online business owners and entrepreneurs who are looking forward to promoting their business or website through persuasive copywriting advertisement, there are a couple of options for the job: a freelance writer or a copywriting service firm.

Indeed, there are really skilled freelance copywriters who understand the importance of complying with clients’ requirements and who are able to deliver quality content in the workload assigned to them. However, business owners and entrepreneurs should understand that, in order to be a freelance writer, the requirements are basically zero, besides the need of having your own computer and an Internet connection, it no longer matters if you’re a stay-at-home mom, someone who just turned 18, a high-school dropout, a college degree holder, a retired employee or a someone who decided to quit a good-paying job.

And then there are experienced and reputed copywriting service firms, from which clients can demand accountability and reliability, which are for their total benefit. Since copywriting service firms have a name to protect, these make sure, therefore, that their pool of copywriters are talented, experienced, reliable and responsible.

For content writing firms to be able to serve clients well, having a pool of experienced in-house writers is definitely advantageous both for the firm and the client. While reliability and responsibility can be demanded in every writing job, these professionally-accomplished types of job may also be able to help the client in increasing their sales and boosting online conversion rates, drive most traffic to their site through the effective use of keywords, and so forth.

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