The Identity Theft Quiz

March 31st, 2008

You may think your identity is perfectly safe and that identity and credit card theft could only happen to someone else, but take a few minutes to answer this Identity Theft Quiz, and see how safe your money and identity really is. Each answer is worth between 1 and 5 points, which you can tabulate at the end of the quiz to see how well your identity is truly protected:

1) What is your primary method of disposal for personal finance information?

A)For the most part, I tear the information up, and then dispose of it.

B)I tear some of the information and shred some of it before I dispose of it.

C)I use a cross-cut shredder to destroy my documents every time, before disposing of them.

2) What method do you use for disposal of unsolicited, pre-approved credit card direct mailing information?

A)I simply dispose of them in the garbage can.

B) I always destroy them in some fashion - either I tear them up, or I shred them.

C) I always use a cross-cut paper shredder before I dispose of them.

3) What method do you use to discard other personal information like bank statements, pay stubs, credit card bills, cancelled checks or utility bills?

A)I generally tear the information up and then dispose of it

B)Sometimes I tear the information up, and sometimes I shred it.

C)I always use a cross-cut paper shredder before I dispose of any of these materials.

4) When do you check your credit report by any of the major credit bureaus?

A)I’ve never checked my credit report

B)I have checked my credit card before, but its been over a year

C)In the past year, I have checked my credit report

5) Upon receiving financial statements of any kind (credit card bills, checking accounts, utility bills), do you thoroughly review these statements for any errors?

A)I really don’t review my financial statements regularly at all.

B)I review my financial statements whenever I can get to it, but not monthly.

C)I review my financial statements as soon as I receive them, every month.

6) Where do you get you own personal mail?

A)I use an unlocked mailbox that’s right in front of my house.

B)My mailbox is lockable, but I don’t always lock it.

C) I’ve made sure I have a locked or secure mailbox/PO Box for all my mail

7) What method do you use to send outgoing mail?

A)I always leave my mail in my own, unlocked home mailbox

B)I will either leave it in my own, unlocked mailbox with the flag up, or occasionally drop it off at a secured mail drop box.

C)I only drop my mail in a locked mailbox, or US Mail collection box.


8) Do you ever carry your Social Security card in your purse or wallet?

A)I do carry my Social Security card with me on a regular basis.

B)I don’t always carry my Social Security card, but sometimes I travel with it.

C)I never bring my Social Security card with me. I store it in a safe place.

9) Is your Social Security number included on any personal information you carry with you? (Checks, ID cards, health-insurance or prescription drug cards)

A)I really couldn’t say. I haven’t noticed.

B)My social security number is on several of my ID or insurance cards.

C)No, I don’t have my social security number on anything that can be found on my person.

You can calculate your score using the following key: A=1, B=3, C=5. A score of less than 20 means that you might be at real risk for identity theft. A score of 20-37 means that you have begun taking the right steps but you can still improve. A score of 38-45 means that you are doing the right things to protect your identity. However, you still need to be careful because it only takes one piece of information to end up the wrong hands to result in your identity being stolen.

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Medical Malpractice Lawsuits

March 31st, 2008

Unfortunately, medical malpractice happens everyday somewhere in the world. Everybody has the right to get the medical treatment that they need. No matter what your problem is, you should be able to walk into your local doctor’s office, find the answers to your health concerns and receive the treatment that you require. You should be treated with respect and dignity and everything that you tell any medical professional should be kept confidential. However this is not always the case.

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Poorly Maintained Air Conditioning Proves Hazardous to Health

March 30th, 2008

If you’re a business owner, ensuring that your premises’ air conditioning system is well-maintained is not just an option, but a legal requirement. Because there are definite health risks associated with air conditioning systems it is important to ensure they are regularly maintained and checked in order to prevent the spread of disease.

Air conditioning systems have been proven to harbour the Legionella bacteria; the organism that can bring on potentially fatal bouts of Legionnaires disease. They are not, however the only source of the disease, which is contracted by inhaling water droplets that contain the bacteria. Other potential threats include anything that creates moist air such as industrial cooling towers, hot water systems, spa baths and humidifiers.

According to experts there are over 40 variations of Legionella bacteria that can also be found naturally in soil and water. But, although the thought of becoming infected is very frightening, Legionnaires Disease is fatal in only around 15 per cent of total reported cases.

However, that is still a significant enough threat for the government to have passed legislation ensuring that businesses have a duty of care to occupants of their buildings. Under UK Health & Safety regulations building owners must ensure their premises are safe for employees and customers, and that includes taking the necessary precautions to ensure there is no risk from water-borne infection.

The Approved Code of Practice and Guidance for the control of Legionella bacteria in water systems, otherwise known as ‘L8’, places the emphasis firmly on business and premises owners to identify and assess any risk, and to subsequently prevent or minimise that risk. The best way to remove any possible threat is to regularly check the premises’ equipment, and the water that runs through it.

A regularly maintained air conditioning system will provide a lesser threat of spreading disease than those left unattended. Thankfully, regular, simple tests can detect the presence of bacteria, and they should be performed in addition to regular maintenance.

However, it’s not just Legionella bacteria that can cause a health hazard in air conditioning systems. Refrigerants can also be dangerous and they are covered under the Control of Substances Hazardous to Health Regulations (COSHH) 1988. One particular type of widely used refrigerant, R1, has already been banned and another common variety R22 is to be outlawed from the beginning of 2010.

In the light of these impending regulations it is advisable for any building owner to ensure that they are within the bounds of the law. A one-off inspection would reveal whether any of the building’s air conditioning plant would need to be replaced, and would allow the owner to make the necessary arrangements, well in advance.

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Medical Malpractice- What is Your Life Worth?

March 30th, 2008

If you asked someone what their life was worth, what would they say?

If you asked someone what the value of a wife’s household duties were, what would they say?

If you asked someone what the value was of a mother who stayed home to take care of her two small children, what would they say?

What if you asked someone what the value was of a father, in the prime of his life, to his three children in grade school, what would they say?

If someone was earning $75,000 per year and was unable to work for two months, you could easily calculate how much income they lost. But are you able to calculate the lost benefits that man would have received had he continued to work? If he was at work during those two months he would have given that big presentation he was working on for the past year. He’d have done so well that he would have gotten that promotion he was working so hard to get. With that promotion came a larger salary, increased pension benefits, his own parking space, and more importantly, the opportunity to hob-nob with the big-wigs in his company. But since this man was out on disability because he was hit by a car, he was unable to achieve these goals he had set for himself.

What is the value of what this man has lost? The lost opportunity to move up the ladder, the lost opportunity for promotion, the lost chance for more benefits and increased recognition within the company? Can you place a dollar value on these losses?

Let me ask you this- if you own a Picasso painting that is valued at $5 million dollars, and that painting is destroyed in a fire, is there any doubt how much your insurance company should reimburse you for your destroyed property? They must reimburse you $5 million dollars.

Now, using that same argument, if a man earns $75,000 per year and is hit by a car, and he is unable to return to work for two months, the insurance company should have no problem reimbursing him for his lost earnings- 2 months worth. But wait! What if this man, who suffered a broken left leg and right arm is no longer able to do the same type of work he did before his accident? What if his ability to work is now limited? Do you think the insurance company is responsible to pay for this man’s lost future earnings compared to what he is earning now? If they’re responsible for his lost earnings in the past, shouldn’t they also be responsible for his inability to work in the future? What about his limited ability to work? Should they also be responsible for the limited work he can now perform and make up the difference from what he was earning before? The answer is yes.

What if this man was a professional basketball player who earned $5 million dollars a year- not an unreasonable sum of money today for a pro basketball player. Is the driver of the car that hit him responsible if this man can no longer play basketball and his career is over? That 5 year contract, worth a total of $30 million dollars is worthless if this man can’t play ball. Who do you think should be responsible for that life-altering accident?

What I’ve been discussing here are key elements of compensation that an injured victim is entitled to receive in the State of New York. Importantly, we haven’t even touched on a victims’ pain and the suffering that an accident can have- not only on the injured victim, but on his spouse and family as well.

It is important to remember that compensation is a duty to repay a debt that is owed.

When a person causes an accident or an injury, regardless of whether it was a careless driver, a homeowner who didn’t shovel their sidewalk, or a doctor who failed to diagnose cancer, they have now created harm where there was none before. They now owe a debt to the injured victim. Compensation in New York is repayment of that debt. Often that repayment is expensive. The injured victim often requires corrective medical care, the possibility of surgery and extensive physical therapy for rehabilitation. Shouldn’t the injured victim be able to pay for the best medical care money can buy? Or do you think it’s OK for an injured victim to go to any old city clinic and get whoever is on duty that day to correct a problem that someone else caused?

The compensation I’ve been talking about here is what is known as “economic damages.” These can be calculated. The cost of a housekeeper to do a wife’s household duties can be calculated by an economist. The value of a stay-at-home mom can, on some level, be calculated. Lost income and lost future earnings can be calculated. The cost for future medical expenses can be calculated. I don’t think many people would argue that these expenses should not be repaid to the injured victim, especially since this is part of a debt that is owed and must be repaid.

What about the “non-economic damages,” also known as “pain and suffering.” Shouldn’t this be compensable too? Remember, we haven’t even touched on this subject yet. I’ve only been discussing the actual economic loss that someone has suffered from an accident or medical malpractice. However, the suffering that an accident causes is often a very large part of any claim. Why? Just think about how an injury affects an accident victim:

Before the accident, Tim used to play catch with his seven-year-old son in their backyard. Because Tim is now in a wheelchair, he can no longer run and play baseball with his son. He can’t drive- not the way he used to. Getting into and out of a car is a time-consuming chore that was previously effortless. He has a basement and a second floor in his modest home. Tim can’t go into his basement and play ping-pong with his 12 year old daughter. Nor can he walk upstairs to go to bed with his wife anymore. He’s had to convert his living room into a modified hospital room. Those front steps to their home have now been converted to a ramp since he couldn’t get his wheelchair up those steps. The dinner table had to be cut down to allow Tim to sit at the table with his family, because his wheelchair wasn’t high enough to reach the table top. Did I mention that Tim loved to ski and hike in the Vermont mountains? For the rest of Tim’s life, he’ll never be able to ski or hike again. Tim lives in his wheelchair that has become his home for 18 hours each day. Did you know that because Tim can’t feel anything below his waist, he’ll get sores on his butt and infections that he won’t even know about until it is festering? The doctors tell Tim that he’ll need a new wheelchair every five years. “What does a wheelchair cost?” Tim asks.

Tim must face his friends and family every day and explain his new-found limitations in life. Have you considered what will be of Tim’s relationship with his wife? Do you think his wife is going to be able to take care of Tim’s daily medical needs at home without help? Can she cook, clean, take care of the house and kids and take care of her husband’s daily cleaning rituals? How do you take a shower if you can’t walk? How do you dress yourself if you can’t get to the closet and reach those high shelves with your clothes? What if, God forbid, there is a fire in his home? How does he get out quickly if nobody else is home?

With every accident or malpractice injury there is usually a physical injury that can be devastating. Have you also considered the psychological impact of an injury? Our minds are vigorous and active. An injured victim is often trapped within their body. The emotional toll an injury causes and the psychological after-effects are equally devastating. Yet with all that we know about repaying a debt that is owed, how is a wrongdoer or their insurance company going to repay a debt that cannot easily be quantified?

Well, let’s go back to the $5 million dollar Picasso painting. If the value of that painting can be calculated and replaced then why can’t the value of human suffering and the indignity it causes? All arise from the same accident or medical wrongdoing. Isn’t there some way we can repay that debt too? There is. Unfortunately, since there are no exact numbers for our pain and suffering and every person who is injured is different and experiences a different level of injury, no two cases are exactly alike. Yet pain and suffering is a very real part of a victims’ life. There is a way to compensate such a injured man…use the economic damages as a starting point and go from there. The only downside to this is if the injured victim is not working or is very young or very old. In those cases you will not have all of those economic damages to look to when starting your journey in awarding compensation for human suffering. For those cases you must use your common sense and understanding of the human condition in order to reach a full and fair number to compensate a victim for their pain and the suffering they’ve endured and will endure for the remainder of their life.

Here’s an example of a story used in closing argument to explain one way to evaluate pain and suffering:

“$10 MILLION DOLLARS FREE!” THE CLASSIFIED AD SAID

If you thought the ad was true, wouldn’t you race out the door to be the first one in line asking for the promised money? What if the ad said that before you could get your “Free $10 Million Dollars” you first had be involved in a head-on car crash? How many people do you think would still wait in line for that free money? I’ll bet you there would be some desperate people waiting for that money, regardless of what it took to get it.

What if there were more conditions that you had to meet before you could get that money?

Let’s say in addition to getting hit by a car head-on, you had to have been ejected from your car, airlifted by helicopter to the nearest trauma center where you fractured your pelvis, both your legs, were on a respirator for 20 days, you needed surgery to put the broken bones back together with hardware, pins and screws, and were hospitalized for 4 weeks. How many people to you think would still be on line asking for that “Free $10 Million Dollars?” Not many. Yet I’m sure you’d still find a few very desperate souls willing to do most anything for that kind of money.

But wait! Suppose there were even more conditions before you could get your hands on that $10 Million Dollars. Suppose that in addition to the horrendous trauma, lengthy surgery, complications from surgery, being in a medically-induced coma and hospitalized for an entire month, you needed three weeks of rehabilitation therapy where you learned to walk again. Suppose you also couldn’t return to your job earning $60,000 per year, and you couldn’t play with your children because you could barely walk. Your six-year-old wonders why you can’t play soccer and baseball with him, and your 11 year-old asks why you’re home during the day instead of being at work. You spend your days watching ridiculous daytime soap operas thinking how you’ll support your family since you can’t work. Suppose your doctor tells you that you’ll never be able to play sports again, and you’ll be lucky to walk without a limp. Your job at the loading dock required heavy lifting and there’s no way you can lift more than ten pounds now. You doctor says that if you go back to the type of work you were doing before, there’s a good chance you’ll never walk again.

How many people, given those conditions do you think would stick around asking for that “Free $10 Million Dollars?” I don’t think anyone would.

In certain cases, we use this argument in summation to explain to a jury how significant a victims’ injuries are and how the money that we’re asking for is justified. If a lawyer simply asks a jury to award $10 Million Dollars without providing a background or evidence to support the award, a jury is unlikely to give away such a large sum of money. However, when presented with a reasonable explanation such as the one above, it becomes much easier to understand how such an award can be appropriate.

Importantly, a good attorney will usually understate the value of their case, and once the extent of the injuries become apparent, the jury will (hopefully) recognize that the amount asked for is not sufficient to cover all of the medical expenses, lost wages and pain and suffering that the injured victim has suffered.

You think you want $10 million dollars? Sure, who doesn’t. But if an injured victim asks for that compensation look to see what injuries they’ve suffered. Only by looking carefully do we see that this certainly isn’t a ‘windfall’ or a ‘winning lottery ticket’. Instead it is full and fair compensation.

Gerry Oginski is an experienced medical malpractice and personal injury trial attorney practicing law in Brooklyn, Bronx, Queens, New York, Staten Island, Nassau & Suffolk. He has tirelessly represented injured victims in all types of medical malpractice and injury cases for over 19 years. As a solo practitioner he is able to devote 100% of his time to each individual client. A client is never a file number in his office.

Take a look at Gerry’s website http://www.oginski-law.com and read his free special reports on malpractice and accident law. Read actual testimony of real doctors in medical malpractice cases. Learn answers to your legal questions. We have over 200 FAQs to the most interesting legal questions. Read about his success stories. Read the latest injury and malpractice news. I guarantee there’s something for you. See Gerry’s website at http://www.oginski-law.com Call him at 516-487-8207.

Also, go over to http://medicalmalpracticetutorial.blogspot.com for Gerry’s free instructional videos on malpractice & accident law.

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A Simple Way for Claiming Social Security Insurance Benefits

March 29th, 2008

Social Security Disability Insurance (SSDI) or Social Security Income (SSI) is part of the Federal Social Security program that provides monthly disability payments to those who are younger than full retirement age, unable to engage in substantial employment activities. If one is applying for Social Security Disability benefits, having a lawyer, that has a good knowledge of how the Social Security Disability claims process works is critical and can improve the chances of getting the case approved in the application stage or at the hearing level.


To find the suitable lawyer http://www.social-security-lawyers.net - National Directory of Social Security Lawyers, launched by FDP Inc. is an ideal website to start with. A qualified and experienced social security lawyer can guide through all the process of claiming the Income and also answer the queries of Social Security. The website has a large directory of social security lawyers from all over the country, just entering the zip code, a lawyer can be easily found from a nearby area. It is a complete user friendly website, truly worth it! If one is applying for Social Security Disability benefits, having a lawyer, that has a good knowledge of how the Social Security Disability claims process works is critical and can improve the chances of getting the case approved in the application stage or at the hearing level.


Experienced and Qualified Social Security Lawyers are also invited to register at http://www.social-security-lawyers.net/Register.aspx , the growing network of Nationwide Social Security Lawyers. The client list of the lawyers can be improved as the site directs captured search requests from the web to the registered members. The help of a lawyer is precious as there are many search requests from all over the country through the web.

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Successful Medical Negligence Claim - 4 Crucial Steps to Follow

March 29th, 2008

If you feel you are a victim of medical negligence, it is your legal right to seek restitution in the form of compensation. The key part of a successful medical negligence claim is proving the doctor did not follow correct medical procedures. Because this is a complicated area for a layperson to enter into you definitely need to engage an experienced medical negligence lawyer. Here are the four essential steps for a successful claim:

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