Personal Injury And Related Claims

Personal Injury is a term that is most often heard in relation to personal accident claims where the damage has been done to a human being, as opposed to damage done to property. It includes bodily harm and also emotional, mental damage. If a person is suffering from a mental condition as a result of an accident, that person has the right to file a personal injury claim.

The cause of the accident is what determines who is liable for the injury and hence who has to settle the claim. It can also backfire where the claimant gets no settlement at all. This happens when the case is either overturned or ruled in favor of the other party.

Work place related claims are most often directed at the owners of the office. If there is an area in the office that is in a hazardous condition (broken staircase, exposed metal works, electrical wires, etc.) — it is the responsibility of the owners to conduct repairs. If a worker suffers an injury from an accident in this area, there can be a claim against the ‘negligence’ on the part of the office owners. When working conditions are hazardous, things become even more complicated and the owners are required to stock enough protective gear and have enough emergency damage control measures in place to avoid liability.

Traffic injury claims are usually directed against vehicle operators. This is when a person has been involved in an accident that involves some form of a vehicle that is considered to be part of the road traffic. This can include everything from bicycles, small cars to large freight trucks. The claimant may be another vehicle operator or a pedestrian. But there has to be some form of traffic involved for it to become a traffic injury.

Another common form of personal injury claim stems from medical and dental injuries. This claim is usually filed against a specific medical practitioner or a medical institution such as a hospital or a nursing home. Medical malpractice cases would fall under this category.

In the US, a large number of these cases are filed every month and the laws governing these cases are extremely complex and vary by state. There are also federal laws that come into effect when the case is filed in a federal court or the federal government is involved.

The complexity of the laws makes it important to have a personal injury attorney or lawyer at hand. Since compensations are usually monetary, lawyers will often agree to work for a percentage of the settlement that the claimant receives.

For a successful claim, the lawyer has to prove that the other party is guilty of negligence and that is what caused the accident. In cases where there is an insurance claim involving a domestic or another kind of accident where there was no one else involved, it has to be proved that the damage caused is real bonafide. Also, it has to be proved that the damage was accidental and not self-inflicted.

Sleeper BCS College Football Teams

If you are new to the world of football and betting, you might be curious about the term ‘sleeper’ that is thrown around before every season. Discussions about the potential sleeper team might even go on well in to the season. So what are these sleeper teams and why are they named that way?
First of all, no one fixes a sleeper team and it is not an official title that a team can achieve. It is an unofficial title given to a team that suddenly becomes a contender in the championship game or similar.

If the team was a favorite from the beginning, it is not the sleeper team. Only a team that has been thoroughly neglected throughout the pre-season roundups and hasn’t ranked well enough to be noticed can become the sleeper team.

The term ‘sleeper’ comes from the fact that these surprise performers start playing well all of a sudden. So essentially they take everyone by surprise. The main factor here is that no one expected the team to be anywhere near the title-deciding match and suddenly they end up playing it. That is the mark of a sleeper team. They seem to have suddenly woken up from slumber.
There are a good many reasons behind having so many talks about the sleeper team. Everyone tries to guess who the winning team is going to be. Whilst we all like surprises there some who don’t. These are the people who are wagering money on the teams.

When it comes to college football, spreads are already quite haywire because of the huge talent gaps between the teams. A few teams will always be marked as strong contenders and the rest will simply be ignored. However, if there is a sleeper team in there, things get very interesting indeed.
Imagine betting on the favorite and everything going fine until this sleeper team comes out of nowhere and makes off with the title. You lose all that money and it all seems like sheer bad luck. Analysts would beg to differ though.

To them (the analysts), it is all about the statistics and variables. The sleeper team was on the rise and no one noticed because everybody was busy focusing on the favorites. Remember, sleepers become sleepers because no ones really paying any attention to them till they suddenly break lose.
Now imagine betting on a team that turns out to be a sleeper and wins unexpectedly. There is some serious money to be made there. This is why analysts have given in to giving their selections for the sleeper team before each season. However, everyone picks four or five teams for this. So you can’t be too sure that way either.

This is where your understanding of football and continuous screening of information comes in. The ignored teams are ignored for a good reason. So if you think of betting on them, make sure you know what you are doing.

Always remember – never bet money that you can’t afford to lose.

Different types of credit card processing

Credit cards have been popular for a very long time now. As a result of this, different ways to use a credit card have entered the market. The different methods of credit card processing depend upon the business medium (retail stores, online, or via mobile phone), the seller’s finances, and circumstances. For example:

1.    Credit card imprinting machines. These machines simply make a facsimile of the credit card using carbon paper. The information on the credit card is used to process the transaction. This method is fairly cheap, since these machines are made available for free by some banks, and cost less than USD 40. However, it is also slightly clumsy as instead of currency notes, the seller is now dealing with several slips of paper containing highly sensitive data.

2.    Credit card terminals. These are much safer and more advanced than imprinting machines. They are frequently seen at retail stores – the magnetic strip of the credit card is swiped on the machine, the amount to be paid is entered, and a receipt is printed out for the cardholder to sign. While most terminals need a power supply and telephone line, and offer real-time processing, other models can store transaction information until a power supply or communication channel is obtained. Credit card terminals are fast, safe and also verify the transaction with the cardholder. They can be rented for occasional use, or bought for about USD 200.

3.    Point of Sale ensembles. These ensembles are a combination of hardware and software that can perform the functions of a credit card terminal, but can also do several other things. They can add the prices of different items, use a display pole to display the total to the customer before the receipt is printed out, and use separate swipe keyboards, price scanners and receipt printers. These are extremely popular at retail stores, due to their ease of use.

4.    Virtual terminals. A virtual terminal is merely one of the online options to process online payments. Credit card information and payment details can be filled into a form, following which the payment is processed. This is time-consuming, as each payment’s details must be entered separately. However, since the rental for a virtual terminal is low, it is excellent for small businesses or telephone transactions (where details always have to be entered manually).

5.    Online payment vendors. Online payment vendors offer buyers the opportunity to enter their own card details, minimizing work for the merchant. Large online stores find this method of credit card processing to be optimal, but transactions that take place in person or over the telephone can also be processed through this method.

Therefore, opting for credit card processing facilities in a business does not imply having to restrict oneself to a single processing method. Based on the needs and characteristics of your particular business, it is possible to choose among the credit card processing methods given above as well as other options that are evolving by the day.


Guest Post by RadAnkh