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O Sa Mire Episodi 58 - Pjesa 58 - Ejashiko Pj 58
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Tuesday, March 31, 2015
Friday, March 20, 2015
O Sa Mire Episodi 52 - Ejashiko - Pjesa 52 - Youtube
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CADILLAC WHIRLS OUT OF CONTROL & GM SUED OCTOBER 27, 2014, BY SHEFF LAW car crash.jpgClanton Fleetwood, a Cadillac owner from Tyler, Texas, was driving his 2006 Cadillac SRX at an intersection in Smith County, Fleetwood on November 20, 2013 when he lost control of his Cadillac and continued through the intersection and ended up in a ditch on the side of the road. He said that, “for unknown reasons [I] lost control of the vehicle.” Mr. Fleetwood said that he was sitting in his seat correctly and had his seat belt on securely, but he “suffered serious injuries when his vehicle failed to protect him.” Mr. Fleetwood claims that General Motors LLC is responsible for his accident and the injuries he received. He filed suit against GM on September 2, 2014 in the Tyler Division of the Eastern District in Texas. He claims that GM is negligent for allegedly manufacturing a vehicle with multiple defects, such as an insufficient lower spine protection and defective seat belt restraints. Mr. Fleetwood has claimed more than $75,000 in damages for impairment and disfigurement, extreme emotional distress, mental anguish, and pain and suffering. If you have been injured due to the negligence of others, please call one of our experienced attorneys at Sheff Law Offices, P.C. at (617) 227-7000. Permalink | Email This Post | Comments (0) Posted In: Car Accidents, Product Liability FERRY CRASHES INTO SAN FRANCISCO PIER OCTOBER 20, 2014, BY SHEFF LAW ferry.jpgOn Sunday, October 12, 2014, just before 6 p.m., the ferry boat Peralta crashed into a piling at Pier 41 in San Francisco, California. The ferry was carrying 230 passengers and heading to Oakland, California. Many of the passengers said they felt a strong jolt when the ferry hit the pylon. Many of the passengers were knocked off their feet and fell. One of the passengers, Darryl Pham, said, “I kind of saw it coming. A lot of people didn’t, and it just hit the pylon and I saw kids flying and it was pretty bad.” The injured passengers had mild to moderate injuries, mostly by hurting their necks and backs. The Coast Guard is investing and said there were no mechanical issues with the ferry, so it’s unclear why the boat backed into a fixed object. The Coast Guard had the crew tested for drugs and alcohol. Since there were no mechanical problems with the ferry, the Peralta has gone back into regular service. Continue reading “FERRY CRASHES INTO SAN FRANCISCO PIER” » Permalink | Email This Post | Comments (0) Posted In: Negligence, Transportation Accidents $300,000 AWARDED AFTER CROSSFIT INJURY OCTOBER 16, 2014, BY SHEFF LAW 4 crossfit.jpgFormer Navy information systems technician first class and All Navy wrestler, Makimbo Mimms, was awarded $300,000 in a suit against a gym offering CrossFit classes. The gym breached their duty of care to monitor participants during the workout resulting in serious and permanent injury. During the CrossFit workout, Mimms quadriceps were repeatedly taxed without rest caused him to urinate blood and his legs to swell, he said. He was hospitalized for a week and diagnosed with Rhabdomyolysis, the breakdown of muscle fibers that releases muscle fiber (myoglobin) into the bloodstream and often causes kidney damage and sometimes death. Mimms was permanently effected by his injuries, his ability to stand for long periods, run and play sports is now limited. He said he was never told to rest, stop for water or slow down. The attorney for the gym said the case is all about “personal accountability. Did he stop? No. He made a conscious decision to keep going.” While participants of any fitness program should be aware of their abilities and limitations, they are depending on the expertise of the coaches to guide them safely through the workout. A gym has a duty of care to their participants and cannot disregard safety regulation and then deny accountability for resulting injuries. The CrossFit model has come under fire for purportedly embracing the idea of pushing yourself to the point of injury. In a 2005 article in CrossFit Journal (which is not peer reviewed) CEO Greg Glassman explained that rhabdomyolysis is just evidence of the workout’s “potency”. At the time five CrossFitters had been hospitalized as a result. Glassman concluded that the victims were exposed to “too much work in too short a time.” In his view, however, this was a good thing: evidence of “the utter and complete absence of challengers to CrossFit workout performances.” There is plenty of disagreement however and safety concerns continue to be voiced. Capt. Jonathan Picker, commander of the Navy’s Center for Personal and Professional Development, warned the Navy’s top leadership in a recent e-mail, “Granted, anyone can develop a program that’s very intense, but there’s a safer way of doing this for our sailors.” Continue reading “$300,000 AWARDED AFTER CROSSFIT INJURY” » Permalink | Email This Post | Comments (0) Posted In: Negligence, Premises Liability BOUNCY HOUSE OF TERROR OCTOBER 16, 2014, BY SHEFF LAW Bouncy House.jpgTwo young boys in Nashua, New Hampshire were rushed to the hospital after the bouncy house they were playing in blew away. They were in playing in the bouncy house at Sullivan Farm when it became airborne and blew over a fence, coming to a rest 50 feet from where it had been setup. The owner of the bouncy house, Gary Bergeron, says he purchased the inflatable a day or two ago and that it was not ready to be used. He says it was only setup for cleaning and doesn’t know how the boys were able to climb in it. “It was missing spikes to go into the ground and it only had three tethers on it and it’s supposed to have four,” he said. “This was meant to be a fundraiser to help the Boy’s Club and the Salvation Army and it was just something I was just trying to help out special with.” The two year old boy was badly injured and airlifted to Tufts Medical in Boston. He was in critical condition at the hospital but he is expected to survive his injuries. The three year old boy was taken to St. Joseph’s Hospital in Nashua. Investigators continue to look into how the incident happened. “The investigation will go deeper into what really happened and how the bouncy house ended up from point A to point B,” Assistant Fire Chief Steve Palipeau said. Continue reading “BOUNCY HOUSE OF TERROR” » Permalink | Email This Post | Comments (0) Posted In: Premises Liability, Product Liability 2 INJURED AT HERB CHAMBERS BMW OF BOSTON OCTOBER 13, 2014, BY SHEFF LAW Ventilation.jpgOn October 7, 2014 at approximately 10:30 a.m., a ventilation duct collapsed in a garage at Herb Chambers BMW of Boston at 1168 Commonwealth Avenue in Brighton. The Boston Police, the Boston Fire Department, and the United States Occupational Safety and Health Administration arrived on the scene to survey the situation. The Boston Police reported that the ventilation system collapse, which was installed around 20 years ago, caused two injuries and damage to several cars in the garage. The air conditioning duct, which measures 80 to 100 feet long and made of thin metal, fell during a busy work day. The two people that were injured were an outside vender, who was taken to the hospital for minor injuries, and an employee, who was taken to the hospital as a precaution. The Herb Chambers BMW of Boston general manager, Melissa Steffy, said it was lucky that more people were not hurt by the duct. She said, “We are so lucky because the way the air conditioning was designed, it goes right through the middle of the shop, and the technicians work on the side. If you’re going to have good luck with an accident, that is good luck with an accident.”
CADILLAC WHIRLS OUT OF CONTROL & GM SUED OCTOBER 27, 2014, BY SHEFF LAW car crash.jpgClanton Fleetwood, a Cadillac owner from Tyler, Texas, was driving his 2006 Cadillac SRX at an intersection in Smith County, Fleetwood on November 20, 2013 when he lost control of his Cadillac and continued through the intersection and ended up in a ditch on the side of the road. He said that, “for unknown reasons [I] lost control of the vehicle.” Mr. Fleetwood said that he was sitting in his seat correctly and had his seat belt on securely, but he “suffered serious injuries when his vehicle failed to protect him.” Mr. Fleetwood claims that General Motors LLC is responsible for his accident and the injuries he received. He filed suit against GM on September 2, 2014 in the Tyler Division of the Eastern District in Texas. He claims that GM is negligent for allegedly manufacturing a vehicle with multiple defects, such as an insufficient lower spine protection and defective seat belt restraints. Mr. Fleetwood has claimed more than $75,000 in damages for impairment and disfigurement, extreme emotional distress, mental anguish, and pain and suffering. If you have been injured due to the negligence of others, please call one of our experienced attorneys at Sheff Law Offices, P.C. at (617) 227-7000. Permalink | Email This Post | Comments (0) Posted In: Car Accidents, Product Liability FERRY CRASHES INTO SAN FRANCISCO PIER OCTOBER 20, 2014, BY SHEFF LAW ferry.jpgOn Sunday, October 12, 2014, just before 6 p.m., the ferry boat Peralta crashed into a piling at Pier 41 in San Francisco, California. The ferry was carrying 230 passengers and heading to Oakland, California. Many of the passengers said they felt a strong jolt when the ferry hit the pylon. Many of the passengers were knocked off their feet and fell. One of the passengers, Darryl Pham, said, “I kind of saw it coming. A lot of people didn’t, and it just hit the pylon and I saw kids flying and it was pretty bad.” The injured passengers had mild to moderate injuries, mostly by hurting their necks and backs. The Coast Guard is investing and said there were no mechanical issues with the ferry, so it’s unclear why the boat backed into a fixed object. The Coast Guard had the crew tested for drugs and alcohol. Since there were no mechanical problems with the ferry, the Peralta has gone back into regular service. Continue reading “FERRY CRASHES INTO SAN FRANCISCO PIER” » Permalink | Email This Post | Comments (0) Posted In: Negligence, Transportation Accidents $300,000 AWARDED AFTER CROSSFIT INJURY OCTOBER 16, 2014, BY SHEFF LAW 4 crossfit.jpgFormer Navy information systems technician first class and All Navy wrestler, Makimbo Mimms, was awarded $300,000 in a suit against a gym offering CrossFit classes. The gym breached their duty of care to monitor participants during the workout resulting in serious and permanent injury. During the CrossFit workout, Mimms quadriceps were repeatedly taxed without rest caused him to urinate blood and his legs to swell, he said. He was hospitalized for a week and diagnosed with Rhabdomyolysis, the breakdown of muscle fibers that releases muscle fiber (myoglobin) into the bloodstream and often causes kidney damage and sometimes death. Mimms was permanently effected by his injuries, his ability to stand for long periods, run and play sports is now limited. He said he was never told to rest, stop for water or slow down. The attorney for the gym said the case is all about “personal accountability. Did he stop? No. He made a conscious decision to keep going.” While participants of any fitness program should be aware of their abilities and limitations, they are depending on the expertise of the coaches to guide them safely through the workout. A gym has a duty of care to their participants and cannot disregard safety regulation and then deny accountability for resulting injuries. The CrossFit model has come under fire for purportedly embracing the idea of pushing yourself to the point of injury. In a 2005 article in CrossFit Journal (which is not peer reviewed) CEO Greg Glassman explained that rhabdomyolysis is just evidence of the workout’s “potency”. At the time five CrossFitters had been hospitalized as a result. Glassman concluded that the victims were exposed to “too much work in too short a time.” In his view, however, this was a good thing: evidence of “the utter and complete absence of challengers to CrossFit workout performances.” There is plenty of disagreement however and safety concerns continue to be voiced. Capt. Jonathan Picker, commander of the Navy’s Center for Personal and Professional Development, warned the Navy’s top leadership in a recent e-mail, “Granted, anyone can develop a program that’s very intense, but there’s a safer way of doing this for our sailors.” Continue reading “$300,000 AWARDED AFTER CROSSFIT INJURY” » Permalink | Email This Post | Comments (0) Posted In: Negligence, Premises Liability BOUNCY HOUSE OF TERROR OCTOBER 16, 2014, BY SHEFF LAW Bouncy House.jpgTwo young boys in Nashua, New Hampshire were rushed to the hospital after the bouncy house they were playing in blew away. They were in playing in the bouncy house at Sullivan Farm when it became airborne and blew over a fence, coming to a rest 50 feet from where it had been setup. The owner of the bouncy house, Gary Bergeron, says he purchased the inflatable a day or two ago and that it was not ready to be used. He says it was only setup for cleaning and doesn’t know how the boys were able to climb in it. “It was missing spikes to go into the ground and it only had three tethers on it and it’s supposed to have four,” he said. “This was meant to be a fundraiser to help the Boy’s Club and the Salvation Army and it was just something I was just trying to help out special with.” The two year old boy was badly injured and airlifted to Tufts Medical in Boston. He was in critical condition at the hospital but he is expected to survive his injuries. The three year old boy was taken to St. Joseph’s Hospital in Nashua. Investigators continue to look into how the incident happened. “The investigation will go deeper into what really happened and how the bouncy house ended up from point A to point B,” Assistant Fire Chief Steve Palipeau said. Continue reading “BOUNCY HOUSE OF TERROR” » Permalink | Email This Post | Comments (0) Posted In: Premises Liability, Product Liability 2 INJURED AT HERB CHAMBERS BMW OF BOSTON OCTOBER 13, 2014, BY SHEFF LAW Ventilation.jpgOn October 7, 2014 at approximately 10:30 a.m., a ventilation duct collapsed in a garage at Herb Chambers BMW of Boston at 1168 Commonwealth Avenue in Brighton. The Boston Police, the Boston Fire Department, and the United States Occupational Safety and Health Administration arrived on the scene to survey the situation. The Boston Police reported that the ventilation system collapse, which was installed around 20 years ago, caused two injuries and damage to several cars in the garage. The air conditioning duct, which measures 80 to 100 feet long and made of thin metal, fell during a busy work day. The two people that were injured were an outside vender, who was taken to the hospital for minor injuries, and an employee, who was taken to the hospital as a precaution. The Herb Chambers BMW of Boston general manager, Melissa Steffy, said it was lucky that more people were not hurt by the duct. She said, “We are so lucky because the way the air conditioning was designed, it goes right through the middle of the shop, and the technicians work on the side. If you’re going to have good luck with an accident, that is good luck with an accident.”
Me Fal Pjesa 485 - Episodi 485 - Alsat m - Ejashiko
Life Insurance – Learn From an Old Agent</h1>
Life Insurance is an insurance product that pays at the death of the insured. It really should be called “Death Insurance,” but people don’t like that name. But it insures the death of an individual. Actually, what is insured is the economic loss that would occur at the death of the person insured.
Those economic losses take a lot of different forms, such as:
- the income stream of either “breadwinner” in a family
– the loss of services to the family of a stay-at-home-mom
– the final expenses at the death of a child
– final expenses of an individual after an illness and medical treatment
– “Keyman” coverage, which insures the owner or valuable employee of a business against the economic loss the business would suffer at their death
– estate planning insurance, where a person is insured to pay estate taxes at death
– “Buy and Sell Agreements,” in which life insurance is purchased to fund a business transaction at the untimely death of parties in the transaction
– Accidental death insurance, in which a person buys a policy that pays in case they die due to an accident
– Mortgage life insurance, in which the borrower buys a policy that pays off the mortgage at death – and many more.
Life insurance has been around for hundreds of years, and in some cases, has become a much better product. The insurance companies have been able to develop mortality tables, which are studies of statistical patterns of human death over time…usually over a lifetime of 100 years. These mortality tables are surprisingly accurate, and allow the insurance companies to closely predict how many people of any given age will die each year. From these tables and other information, the insurance companies derive the cost of the insurance policy.
The cost is customarily expressed in an annual cost per thousand of coverage. For example, if you wanted to buy $10,000 of coverage, and the cost per thousand was $10.00, your annual premium would be $100.00.
Modern medicine and better nutrition has increased the life expectancy of most people. Increased life expectancy has facilitated a sharp decrease in life insurance premiums. In many cases, the cost of insurance is only pennies per thousand.
There is really only one type of life insurance, and that is Term Insurance. That means that a person is insured for a certain period of time, or a term. All of the other life insurance products have term insurance as their main ingredient. There is no other ingredient they can use. However, the insurance companies have invented many, many other life products that tend to obscure the reasons for life insurance. They also vastly enrich the insurance companies.
<b>Term Insurance</b>
The most basic life insurance is an annual renewable term policy. Each year, the premium is a little higher as a person ages. The insurance companies designed a level premium policy, which stopped the annual premium increases for policyholders. The insurers basically added up all the premiums from age 0 to age 100 and then divided by 100. That means that in the early years of the policy, the policyholder pays in more money that it takes to fund the pure insurance cost, and then in later years the premium is less than the pure insurance cost.
The same level term product can be designed for terms of any length, like 5, 10, 20, 25 or 30 year terms. The method of premium averaging is much the same in each case.
But this new product caused some problems. Insurers know that the vast majority of policyholders do not keep a policy for life. Consequently the level term policyholders were paying future premiums and then cancelling their policies. The insurance companies were delighted because they got to keep the money. But over time, they developed the concept of Cash Value.
Thursday, March 19, 2015
Me Fal Pjesa 484
Me Fal Episodi 484
<h1>Life Insurance – Learn From an Old Agent</h1>
Life Insurance is an insurance product that pays at the death of the insured. It really should be called “Death Insurance,” but people don’t like that name. But it insures the death of an individual. Actually, what is insured is the economic loss that would occur at the death of the person insured.
Those economic losses take a lot of different forms, such as:
- the income stream of either “breadwinner” in a family
– the loss of services to the family of a stay-at-home-mom
– the final expenses at the death of a child
– final expenses of an individual after an illness and medical treatment
– “Keyman” coverage, which insures the owner or valuable employee of a business against the economic loss the business would suffer at their death
– estate planning insurance, where a person is insured to pay estate taxes at death
– “Buy and Sell Agreements,” in which life insurance is purchased to fund a business transaction at the untimely death of parties in the transaction
– Accidental death insurance, in which a person buys a policy that pays in case they die due to an accident
– Mortgage life insurance, in which the borrower buys a policy that pays off the mortgage at death – and many more.
Life insurance has been around for hundreds of years, and in some cases, has become a much better product. The insurance companies have been able to develop mortality tables, which are studies of statistical patterns of human death over time…usually over a lifetime of 100 years. These mortality tables are surprisingly accurate, and allow the insurance companies to closely predict how many people of any given age will die each year. From these tables and other information, the insurance companies derive the cost of the insurance policy.
The cost is customarily expressed in an annual cost per thousand of coverage. For example, if you wanted to buy $10,000 of coverage, and the cost per thousand was $10.00, your annual premium would be $100.00.
Modern medicine and better nutrition has increased the life expectancy of most people. Increased life expectancy has facilitated a sharp decrease in life insurance premiums. In many cases, the cost of insurance is only pennies per thousand.
There is really only one type of life insurance, and that is Term Insurance. That means that a person is insured for a certain period of time, or a term. All of the other life insurance products have term insurance as their main ingredient. There is no other ingredient they can use. However, the insurance companies have invented many, many other life products that tend to obscure the reasons for life insurance. They also vastly enrich the insurance companies.
<b>Term Insurance</b>
The most basic life insurance is an annual renewable term policy. Each year, the premium is a little higher as a person ages. The insurance companies designed a level premium policy, which stopped the annual premium increases for policyholders. The insurers basically added up all the premiums from age 0 to age 100 and then divided by 100. That means that in the early years of the policy, the policyholder pays in more money that it takes to fund the pure insurance cost, and then in later years the premium is less than the pure insurance cost.
The same level term product can be designed for terms of any length, like 5, 10, 20, 25 or 30 year terms. The method of premium averaging is much the same in each case.
But this new product caused some problems. Insurers know that the vast majority of policyholders do not keep a policy for life. Consequently the level term policyholders were paying future premiums and then cancelling their policies. The insurance companies were delighted because they got to keep the money. But over time, they developed the concept of Cash Value.
<h1>Life Insurance – Learn From an Old Agent</h1>
Life Insurance is an insurance product that pays at the death of the insured. It really should be called “Death Insurance,” but people don’t like that name. But it insures the death of an individual. Actually, what is insured is the economic loss that would occur at the death of the person insured.
Those economic losses take a lot of different forms, such as:
- the income stream of either “breadwinner” in a family
– the loss of services to the family of a stay-at-home-mom
– the final expenses at the death of a child
– final expenses of an individual after an illness and medical treatment
– “Keyman” coverage, which insures the owner or valuable employee of a business against the economic loss the business would suffer at their death
– estate planning insurance, where a person is insured to pay estate taxes at death
– “Buy and Sell Agreements,” in which life insurance is purchased to fund a business transaction at the untimely death of parties in the transaction
– Accidental death insurance, in which a person buys a policy that pays in case they die due to an accident
– Mortgage life insurance, in which the borrower buys a policy that pays off the mortgage at death – and many more.
Life insurance has been around for hundreds of years, and in some cases, has become a much better product. The insurance companies have been able to develop mortality tables, which are studies of statistical patterns of human death over time…usually over a lifetime of 100 years. These mortality tables are surprisingly accurate, and allow the insurance companies to closely predict how many people of any given age will die each year. From these tables and other information, the insurance companies derive the cost of the insurance policy.
The cost is customarily expressed in an annual cost per thousand of coverage. For example, if you wanted to buy $10,000 of coverage, and the cost per thousand was $10.00, your annual premium would be $100.00.
Modern medicine and better nutrition has increased the life expectancy of most people. Increased life expectancy has facilitated a sharp decrease in life insurance premiums. In many cases, the cost of insurance is only pennies per thousand.
There is really only one type of life insurance, and that is Term Insurance. That means that a person is insured for a certain period of time, or a term. All of the other life insurance products have term insurance as their main ingredient. There is no other ingredient they can use. However, the insurance companies have invented many, many other life products that tend to obscure the reasons for life insurance. They also vastly enrich the insurance companies.
<b>Term Insurance</b>
The most basic life insurance is an annual renewable term policy. Each year, the premium is a little higher as a person ages. The insurance companies designed a level premium policy, which stopped the annual premium increases for policyholders. The insurers basically added up all the premiums from age 0 to age 100 and then divided by 100. That means that in the early years of the policy, the policyholder pays in more money that it takes to fund the pure insurance cost, and then in later years the premium is less than the pure insurance cost.
The same level term product can be designed for terms of any length, like 5, 10, 20, 25 or 30 year terms. The method of premium averaging is much the same in each case.
But this new product caused some problems. Insurers know that the vast majority of policyholders do not keep a policy for life. Consequently the level term policyholders were paying future premiums and then cancelling their policies. The insurance companies were delighted because they got to keep the money. But over time, they developed the concept of Cash Value.
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