Finding the Best Healthcare for your Family

Finding the Best Healthcare for your Family

Nov 15

When you are considering a place to settle down, one factor that rarely comes up is how good are the doctors and the hospitals. There is an assumption that no matter where you go, doctors and hospitals will be universally good, and the care you receive will be excellent. This is, of course, not the case. Just as with everything in life, results vary by individuals and by regions. The goal of this article is to point out one issue and to show the controversy over the numbers, not to necessarily malign either doctors or states.

All that being said, how can we know where we can receive the best healthcare? There are the hospitals known by reputation, of course, and recommendations (either from people we know or online) that might steer us in the right direction. But what about medical malpractice suits? Where do we find the most suits and what does that tell us about the care available there?

The first question is easier to answer than the second. The state with the most malpractice suits per 100,000 people is Louisiana, which comes out way ahead of the competitors with 44.1. The next closest state is Oklahoma with 36.3, then Delaware with 35.2. On the other end of the spectrum, you find that Hawaii has the fewest cases with just 4.9, followed by North Carolina with 10 and Georgia with 11.3.

Now, what does this tell us about the health care in each state? It appears that it tells us very little. There’s little connection between the states on either end in terms of region, political ideology, or tort reform.

The last link makes the likely claim that there’s more in the “state culture” than in the state law or medical system that leads to the number of medical malpractice lawsuits.

That doesn’t mean more research shouldn’t be done to see where these results are more deserved and where less so. This remains an important question not just for those who are thinking of moving but for the entire medical community, who should always be looking to improve results.

Medical malpractice can be a very controversial and political issue, but one point is incontestable: accidents are unavoidable in the medical world, but also tragic, with sometimes the most innocent suffering for it. The more we can do to isolate what different regions are doing right and doing wrong, the better the results can be for everyone. That means more lives saved, better treatment for all, and lower insurance costs for hospitals and doctors.

The fact that the necessary information is hard to get does not mean we should be discouraged from searching for it. With such massive disparities between states, there surely must be something to learn from them.

Yachts Can Help Business

Yachts Can Help Business

Nov 08

Business in Chicago is as cutthroat as anywhere. With so many competing for every contract and every new client, it can be difficult to make your company stand out from the others. How do you project your quality, professionalism, and success in a way that appears natural but still noticeable? It’s an issue that literally millions struggle with in our city.

It’s hard to say too much focus is put on the presentation in business. The presentation, after all, is your entire pitch, and it is still as make or break as ever. However, one part of the pitch that doesn’t get enough attention is the venue for the pitch. Most people in business assume the best way to try to win over a client is by being traditional. Dinner at an expensive restaurant, golf, or meetings at one office or another are still the go-to choices for the vast majority of those competing with you for those clients and contracts. So, beat them at a game they don’t even know they’re playing: pitch your ideas on a yacht.

There are numerous yacht companies around Chicago, and the prices are far more reasonable than you might assume. If the option is affordable and has the chance to get your potential client out of the office and on the water for a while, why not take it?

Take a look at some of the views on display on the Anita Dee Yacht Charters website. Imagine making a presentation out on the water, with the cityscape all around. You can cruise the lake in fine weather, have the best food made to order already onboard, and make your client comfortable and impressed in a way they find completely unexpected.

Yachts project wealth like almost nothing else. They suggest confidence and previous success. They also show you’re thinking outside the box. You’ll impress clients simply by taking them somewhere they haven’t been.

It’s also easier to sell grand ideas to someone when you have the epic Chicago skyline at your back. Imagine pitching a potential client on a big deal, bigger than they were expecting. If you do it in an office, they’re likely to be skeptical. After all, can they be sure you’re the sort of person who can pull these ideas off? What do they know about you other than a list of accomplishments on a piece of paper? All they have, really, is a bit of history and your word.

But change the location to the yacht, and you already look bolder. You appear in command of your situation, and by using an unexpected business angle, you prove by your actions that you’re someone who is ready to try new things to get the job done.

Using a yacht won’t win you a contract, but it ups your entire presentation package. Stepping foot on a yacht embodies the success every businessperson is looking for. Sailing around the lake, you’ve already taken a big step towards landing the deal.

Resolving Tax Debt

Resolving Tax Debt

Sep 26

Do you owe the IRS more that you can afford to pay right now? Are you concerned about wage garnishment or seizing of assets? Tax debt resolution is a topic that can be stressful and intimidating for the individual that needs the relief now. Basically, this is a program where you can settle your tax debts for less than what you owe. It requires that you make a lump sum or short-term payment to pay off IRS debt at a reduced amount.

While it is possible to represent yourself with the IRS, you can also get professional tax help with a tax attorney who specializes in tax relief. Most individuals seek the assistance from an attorney since the IRS could potentially garnish wages, place a lien on property, or seize assets. However, by communicating timely with the IRS, most of these actions can be prevented, as the IRS is typically willing to work with taxpayers. Yet, the longer you take to pay off your tax debt, the more you can owe to the IRS.

Numerous options are available to settle IRS tax debt. You can set up a monthly payment agreement, or installment agreement, with the IRS. A second option is where you can set up a partial payment installment where you pay off your debt monthly at a reduced dollar amount. Your tax debt attorney can negotiate the lowest possible monthly payment for your individual needs. A third option is where you can settle your tax debts for less than what you owe, with a lump sum or short-term payment plan. This option can save you thousands of dollars in taxes, penalties, and interest.

Additionally, if the IRS can receive evidence that the taxpayer cannot pay on his or her taxes right now, the IRS can set up the consumer with a program where the IRS would not collect on the tax debt for a year or longer. This action can be most helpful because you can file for a collection appeal to stop an IRS levy, lien, seizure or the denial or termination of an installment agreement. This can give the taxpayer the opportunity to explain his or her situation and prevent a possible IRS levy or seizure.

If you do owe the IRS, the debt can cause your wages or federal payments to be levied until the debt has been fully paid off or the time has expired for legally collecting the tax. Additionally, the IRS can issue a bank levy to take cash in savings and checking accounts. So, it is important to communicate with the IRS regarding your debt. The IRS has ten years from the date of assessment (typically close to the filing date) to collect all taxes, penalties, and interest from you. Your tax debt relief attorney is informed on these matters and can assist you in focusing on your individual financial situation with the IRS. A specialist in tax relief can assist in determining the best possible resolution to your tax debt.

Finding Hope During a Difficult Divorce

Finding Hope During a Difficult Divorce

Sep 01

Divorce can be one of the most difficult things any family can go through. Separations between spouses can have any number of causes. In many cases, the entire family on both sides can become involved if the former spouses become dramatically inclusive of the people around them. In some unfortunate situations, children are involved in critical decision making when it comes to choosing a parent to live with over the other. Many cases can lead to broken relationships between family members for extended periods of time. In all cases, though it is clear that when professional counsel is involved the risks of damaging relationships between family members can be lowered.

In the event of a divorce, both sides are acting on their emotions, which can cause turbulent times for everyone involved. Words said in anger along with actions committed out of spite can often damage a client’s chances of winning a court case. It is important that any person seeking to get a divorce remain cautious with their actions to weaken the opposition’s chances of succeeding against them. Family law cases are typically handled in such a manner that is compromising to both sides unless there are visible signs of irresponsibility and violation of ethical standards committed by the one hand. Unfortunately, in the United States, almost half of marriages will end in a divorce. Divorce has become more socially acceptable as women have gradually become more independent of men and now can exceed them in regards to higher education.

Divorce, as seen in the eyes of a family lawyer, has three leading causes. Divorce can be categorized into being caused by incompatibility between partners, infidelity of one or both partners, and lack of communication. Each one of these causes has an additional amount of tensions experienced by couples in those circumstances. Divorce is usually such a painful event in people’s lives that many times it is easy to forget how beneficial it can be in some instances. Cases, where a partner was being abused, mistreated, or suppressed, can allow that partner to be truly free from the actions of their oppressive partner. With new opportunities and freedoms that individual can begin living their life on their terms. Freedom restored allows for the overall increase in life satisfaction. These paradigm shifts are the glimmering beacons of hope amidst the usually glum field of divorce.

Divorce can be a troublesome time for any both partners involved and their family members. Breaking the vows of marriage that once provided happiness, love, and mutual support is a critical decision as it will have lasting effects for not only the couple but also for their children if they have any. Holidays, birthdays, and other special events are no longer spent as a family, but instead, the family unit must learn to compromise in a mature manner that is fair to both sides. Thankfully the rate of divorce is decreasing in society, but it is still important that the option remains available for the rest of time.

Why Your Long-term Disability Claim is Denied

Why Your Long-term Disability Claim is Denied

May 27

Approved long-term disability claims have tremendous benefits. One, you will get assistance from the financial troubles that have risen because of your disability. Two, you will have the peace of mind and avoid emotional and psychological problems that can arise from financially troubling times. And three, this peace of mind can prevent problems within your family and social circles.
But the issue is that not all long-term disability claims are approved, so not everybody gets to enjoy these benefits. It is even worse if legitimate cases have been denied. It is a good thing that there are professionals who focus on such instances, such as those from Fields Disability.
But why are claims denied? There are several reasons why, and the most common ones are enumerated below.

You are not truly “disabled”

You have to check the definition of disability in your policy plan. It can be very detailed, like when you are medically unable to fulfil your duties in a specific job. It can also be quite vague, like when you are medically limited to do any job. Whatever the case may be, you should fit the description in the policy plan, because if you don’t, you may not be able to claim that you are truly disabled and need financial assistance.
It also helps if you get the opinion of a medical professional, so you have enough proof and authority to claim that you really are disabled.

You don’t have enough medical evidence

Of course, you can’t just go to the insurance company and claim you are disabled. You have to prove it, and the best way to do it is presenting medical evidence showing your disability. Usually, medical evidence comes in three forms: proof that you are getting regular treatment from a specific medical professional, medical records to validate such treatments, and official opinions from the treating physician.

You are still arguably capable

Insurance companies will make sure that you are truly disabled, not just in the medical sense, but also on how you move. They may have recordings of you, such as photos and videos, showing that you are still quite capable. These may be grounds for them to deny your claim or stop coverage. The best way to avoid these things is to not overexert yourself, because you will never know when someone is recording you to invalidate your claim.