Cars Do Not Effectively Protect Against Whiplash Posted By : Sofia Abasolo

June 28th, 2008

Whiplash claims are one of the most common injuries featuring insurance claims made by insurance companies’ costumers, and this may largely be due to the fact that many cars on the market are not adequately built to protect passengers and prevent whiplash injury.

Most customers are however unaware of this as research on the matter is very limited, greatly due to the recent nature of the knowledge of the fact that whiplash is caused often and badly prevented –in the current situation. City cars are the least effective in preventing whiplash injuries in low-speed rear-end shunts. That’s the stark warning from Thatcham, the insurance industry’s research centre, as it published its new head restraint ratings.

The report explains that drivers are being short-changed on safety, with the front seats of 11 small cars failing miserably to impress testers. Not one was rated as Good, which is described as ‘offering good protection for most sizes of occupant’. And only two were Acceptable, while the vast majority were Marginal. The Fiat Panda and Ford Ka were graded as Poor, which means they ‘offer little protection from whiplash’.

Thatcham’s crash research manager, Matthew Avery, said: “City cars are not equipped to protect their occupants’ necks when they have to absorb the crash energy from larger, heavier vehicles. Combined with poor seat design, this makes whiplash far more likely.”

Avery then added that a good seat design shouldn’t be linked to the cost of the car, and while 75 per cent of all seats tested achieved a Good or Acceptable rating, more needed to be done in the city car sector. This category is growing in size as more motorists choose to drive ‘greener’, cheaper-to-run models which tend to also have better anti-whiplash prevention and protection. The newer modules learn from the past’s faulty ones, explaining why they offer better built vehicles for today’s consumers.

Meanwhile, Thatcham has given its seal of approval to premium manufacturers Audi, Saab and Volvo for achieving a Good rating on every vehicle in their ranges.

Whiplash injuries cost the insurance industry millions of pounds annually, according to the Association of British Insurers. The Association also reported that there were 432,000 claims alone in the last financial year, with the average amount paid out to motorists coming in at £3,500 – a whopping £1.5billion claim bill in total.

Thatcham has published complete results of its whiplash tests online. Log on to the website www.thatcham.org to find out how well your car’s front seats performed and consider upgrading to a safer model as it may very well be worth your while –and money. If you opt out from a vehicle upgrade, a cheaper solution on offer could be to get health insurance which covers against whiplash claims. This type of cover would be less pricey than a new car but just as worth it.

Most health insurances cover against whiplash but some do so better than others. If you decide to shop for different health insurance than your current choice, keep certain things in mind. Firstly, ensure they cover you against whiplash specifically. Secondly, have a look at what their requirements are. Does the accident need to be another driver’s fault for you to make your claim? Remember car insurance does not usually cover against whiplash – you need separate health insurance to protect yourself against these risks.

If you are suffering from whiplash, make an appointment to see your GP immediately. You need certified proof from a qualified doctor that you are in actual fact suffering from whiplash, but the doctor is unlikely to sign anything unless he has witnessed the symptoms himself. Whiplash is often short-lived, so go to A&E if necessary.

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Senate under pressure to pass Medicare bill by Independence Day

June 28th, 2008

Suspense has been building around passage of a critical Medicare bill and whether the Senate can take such action before the July 4th recess.

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Microsoft takes on the free world

June 28th, 2008

(Fortune Magazine) — Free software is great, and corporate America loves it. It’s often high-quality stuff that can be downloaded free off the Internet and then copied at will. It’s versatile - it can be customized to perform almost any large-scale computing task - and it’s blessedly crash-resistant.

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LTWC 2008: Nine Innings of E-Discovery

June 28th, 2008

LegalTech isn’t just about CLE sessions on outsourcing and information management — a true power-attendee manages to squeeze in a bit of beer and baseball too. E-discovery 2.0 blogger Kurt Leafstrand pulled off a rare feat Wednesday night by making it out to the Dodger’s game with a group hosted by LTN editor Monica Bay (decked out in full Yankees gear), and to pontificate on the history of EDD.

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A Foreign Occupation Company

June 28th, 2008

A company that was established outside of Israel and managed from outside her, as well, is a foreign company for tax purposes, exempt from all foreign derived income. However, as the Israeli legislature wished to prevent Israelis, who are subject to tax on foreign derived income, from using the foreign occupation company for tax avoidance, determined that such a company is subject to income tax for the special occupation that in trades in.
 
A “special occupation” is, among other definitions, defined as consultant (including the financial, personal, military, agricultural, technical, engineering, management, political, scientific, taxation, business and economical fields) and management (including managing files, investments and property, company and organization management in receivership, dismantling procedures and bankruptcy).

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5 Tips for Getting the Best Training Contracts

June 27th, 2008
Your training contract application form is your primary personal marketing tool and is often the first contact you will have with decision makers at the firm.

Deadlines are meant to be met.

You have to be in it to win it, and it only makes sense to give yourself as many opportunities as possible. Before doing anything else, It is important that you should first get all the dates for submissions for each of the firms that you are going to be making a submission. Form an easier life by organizing all the details into a format that is simple to admit and understand. A time line is very helpful to estimate and organize each submission deadline so that you know how much time to complete each on them on time.

Don’t make spelling and grammar an issue

With a large amount of submission that are being scrutinized by firms these days, online submission has become the method of choice for many. While the convenience of online submission systems has a lot of clear benefits, it has also been the cause and source of mistakes for applicants. One of these is mistakes in basic spelling and grammar, more likely to be caused by carelessness than anything else. Even if you are typing directly into the recruiter’s website, it is not much trouble to copy and paste into Word for some assurance that you haven’t made any basic errors that will detract from the worth of your application. Simple and easy to do, and well worth the extra effort.

Give yourself sufficient time to prepare

Failing to prepare is preparing to fail. As the saying indicates, you should really be prepared for all possibilities, especially when it comes to something as important as your training contract submission. There are enough stories about submission systems breaking down, or being overloaded with traffic in the dying minutes to make any applicants nervous. From the perspective of the firm, an early and well-prepared submission still has an advantage than a last-minute but well-prepared submission. Make sure that the quality of your submission matches your ability by having plenty of time up your sleeve.

Proofreading can make all the difference

Proofread as many times as possible to help eliminate unnecessary mistakes on your application. Careful check on a document, to make sure certain corrections have been made, and it always involves finding spelling, grammar and formatting errors. Do this, and you will find a vast improvement, as well as a greater polish on your work. It is more convenient If you know someone that may assist you to get this application. By putting yourself in the shoes of others can be very useful in determining those errors you missed, or gathering some ideas that are unclear to others.

Make your application easy on the eyes

What better way to demonstrate to the recruiters that you have all the skills and ability for the job by making your application stand out. With so many applications that they must go through in a short amount of time, being able to communicate ideas in a clear and concise manner will make any reviewer of your application sit up and take notice. Don’t introduce informal language into your application, because the online submission process is still treated as a formal piece of document. Give your potential employers some idea about your personality with the way you write and communicate your ideas. Avoid long sentences that may obscure the ideas you are trying to set forth.

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Help With Speeding Tickets

June 27th, 2008

The first step and best bet of course in avoiding a speeding ticket is not to speed. However in the unfortunate event that you receive a speeding ticket your best bet is to fight it. A few years back my dad received a speeding ticket for around $200, by simply showing up at court he was only made to pay $50. So at the very least if you have the time to attend court and contest the ticket, do so.

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Find and Search People By Cell Phone Number - Free Or Not? Posted By : david shell

June 27th, 2008

How do you find & search people by cell phone number. In short are you trying to look for ways to carry out a reverse cell phone number lookup? You might have heard people say that they can find & search people by cell phone number. It is true and on the Internet, there are two different ways to do a reverse cell phone number lookup.

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Housing rescue stalls in Senate

June 27th, 2008

A foreclosure rescue plan that has broad bipartisan support stalled in the Senate on Wednesday in a dispute over taxes.

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Justice Weeds Out Liberals, Report Says

June 27th, 2008
Even senior Justice Department officials flinched at what appeared to be hiring decisions based — improperly and illegally — on politics, according to the internal report.

“Individuals at the department were rejecting any of our candidates who could be construed as left-wing or who were perceived, based on their appearances and resumes and so forth, as being more liberal,” Kevin Ohlson, deputy director of the department’s executive office of immigration review, complained to Justice investigators.

The report marked the culmination of a yearlong investigation by Justice’s inspector general and Office of Professional Responsibility into whether Republican politics were driving hiring polices at the once fiercely independent department.

The investigation is one of several that examine accusations of White House political meddling within the Justice Department. Those accusations were initially driven by the firings of nine U.S. attorneys in late 2006 and culminated with the ouster of Alberto Gonzales as attorney general last September.

The report issued Tuesday concluded that politics and ideology disqualified a significant number of newly graduated lawyers and summer interns seeking coveted Justice jobs in 2006.

As early as 2002, career Justice employees complained to department officials that Bush administration political appointees had largely taken over the hiring process for summer interns and so-called Honors Program jobs for newly graduated law students. For years, job applicants had been judged on their grades, the quality of their law schools, their legal clerkships and other experiences.

But in 2002, many applicants who identified themselves as Democrats or were members of liberal-leaning organizations were rejected while GOP loyalists with fewer legal skills were hired, the report found. Of 911 students who applied for full-time Honors jobs that year, 100 were identified as liberal — and 80 were rejected. By comparison, 46 were identified as conservative, and only four didn’t get a job offer.

The political filtering of applicants ebbed for the three years between 2003 and 2005, the inquiry found, then resumed by 2006.

Of 602 Honors candidates that year, 150 were identified as liberal — including 83 who were cut. Five of 28 self-described conservatives were rejected.

Investigators blamed two political appointees on a three-person screening committee for the preferential treatment. It also singled out one of them, former deputy attorney general staff chief Michael Elston, for failing to make sure the hirings were proper — and giving evasive and misleading answers about why they were not.

An attorney for Elston, who is now in private practice, did not immediately return a message seeking comment.

Although federal law prohibits discriminating against government job applicants based on their politics, it’s unlikely that any of those involved in the hiring process will be penalized since they no longer work at the department. A Justice official said the department is not considering pressing criminal charges or taking or civil actions against them.

Democrats quickly seized on the report to bludgeon the Bush administration for playing politics with a department sworn to uphold the law fairly.

“This is the first smoking gun,” said Sen. Charles E. Schumer, D-N.Y., who sits on the Senate Judiciary Committee. “We believe there will be more to come. This report shows clearly that politics and ideology replaced merit as the hiring criteria at one of our most prized civil service departments.”

Under Gonzales, the Justice Department last year moved to prevent politics from influencing the hiring screening process. His successor, Attorney General Michael Mukasey, said Tuesday he “will continue to make clear that the consideration of political affiliations in the hiring of career department employees is impermissible and unacceptable.”

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