ASHRAF'S WORLD

Life received.

Life taught.

Life percieved.

Lfe lived.

PERSONAL INJURY LAWYERS’ FEES

When we watch television we can not avoid watching commercials of the Law Firms dealing with personal injury. There are many such commercials we have to listen to and watch at. I always wonder it must be costly! I am sure it is costly. So, who pays for all these? Of course the disability insurance fund. The personal injury lawyers work towards getting maximum benefit for the injured person and thereby benefiting both the client and the lawyer.  

How much a personal injury lawyer will cost all together if one needs the service of one?

We need to understand what the fees of the lawyers and the costs are because these two are not the same. Fees are charged by the lawyers for their time spent on the case. These fees one will pay only if he/she wins, it is understood. However, what about the costs? Costs are the expenses incurred in furtherance of a case. The Jury fees, Mediator fees, Postage, Long distance phone charges, Research Service fees, Exhibit Preparation, Copies, Mileage, Travel costs are costs that one is responsible for, no matter he/she finally wins the case or not. So, we need to pay attention and be extremely careful to determine whether to engage a personal injury lawyer. 

Ebola and Insurance.

Will the insurance industry be hit hard with the spell of Ebola outbreak? The comprehensive Ebola fact sheet published last Monday by New York based Insurance Information Institute on its website indicated the potential ramifications the spread of Ebola might have for the insurance industry. The institute took a a very practical approach to the subject and noted that only very few residents of the effected countries in West Africa have any sort of life or health insurance coverage and the global insurance industry remained stable from any negative impact so far. It described that even if it would spread and infect people in the United States I thousands the industry will be able to financially weather the crisis. 

Exposure to Asbestos at Ship Breaking Yard in Bangladesh

The dangerous chemical based product called Asbestos which is mostly used in construction industry is banned in countries Canada, and good reasons. When the asbestos fibers become airborne and are inhaled, because of the size of the fibers, the lungs cannot expel them. The fibers are also very sharp and thus penetrate the tissues.

There are health problems caused by asbestos that are very serious and life threatening. 

The first one is called Asbestosis. It is a lung disease which was first found among textile workers. Asbestosis is a scarring of the lung tissue caused by an acid produced in the body when it attempts to dissolve the fibers. This may ultimately become so acute and severe that the lungs cease to function. In most cases the time period for symptoms of the disease to develop is 10–20 years.

The second one is Mesothelioma. It is a cancer developed in the mesothelial lining of the lungs and the chest cavity, in the peritoneum (abdominal cavity) or in the pericardium (a sac surrounding the heart). This is not like lung cancer which has link to smoking. Mesothelioma has no association with smoking. The causal factor that has been established is the exposure to asbestos or similar fibers. It has also been observed that the latency period for Mesothelioma may be 20–50 years. The prognosis for Mesothelioma is very grim, with most patients dying within 12 months of developing the symptoms.

 The third health hazard that has been linked to asbestos is Cancer that starts in the lung, gastrointestinal tract, kidney and larynx. The period of time that it takes to develop this is often 15–30 years. 

Now watch this youtube video produced by National Geographic and tell me who should we blame for putting so many workers at risk? Is there attorney or personal injury lawyer in Bangladesh who will take up the issue and ask for better protection and compensation for all these? 

Ebola Scare and Insurance

The entire world is now scared for Ebola. The shares of the companies manufacturing protective suits have skyrocketed in last few months. What about the insurance? I do not know if any insurance company will insure someone who is taking a job and heading for West Africa as a member of Ebola Response Team. How much it will be? What if he/she already has a life insurance? Will the existing policy remain in effect during the travel to that part of the world?

I wonder if there are any attorney or lawyer that can also be involved in solving any issues with respect to the claims related to Ebola. If there are I am sure it will be as expensive as it is the case with Mesothelioma.

WHAT IS (NOT) MORTGAGE INSURANCE.

As in learning how to drive one needs to learn first how to use the brake, in order to understand the meaning of ‘mortgage insurance’ it should be mentioned first what it is not. It is not the insurance that a home owner takes for the protection of house or any other damage.  The Mortgage Insurance is actually NOT for the homeowners, it IS for the lenders or the investors that provide the loan amount beyond the 20% down payment that the buyer arranges at the time of buying the house.

Why Mortgage Insurance?
In Canada without the guaranty that it provides the buyers would always have to arrange that 20% as down payment. However, it is not the case here. Because of the assistance provided by the Canada Mortgage and Housing Corporation (CMHC) the consumers, the first-time buyers in particular, can become the owner of a house by putting a down payment  of as low as 5%.
 

Insurance for Mortgage vs Mortgage Insurance

We have learnt about Mortgage Insurance. Now when we will understand what Insurance for Mortgage is we will know the difference between the two. The insurance for mortgage or mortgage life insurance is the insurance policy that is purchased by the home owner to ensure that the mortgage payments for the house (where his or her loved ones will continue to live) are secured in case of death of the principal mortgage holder.  

TRUSTED DENTAL INSURANCE

Very old proverb: It is only the wearer knows where the nail pinches in the shoe. When it comes to Dental Insurance the same principle applies. How? Because until one is struck with an enormous bill for the root canal or any filling or sudden need to extract a tooth the problem remains to be for somebody else! But when you need to fix all or any of the above kind of dental problem your situation is now real! And no matter what financial situation you have you quickly want to look for a representative who deals with dental insurance. I can promise the bills are going to be huge! The Dentists are in the business to making money, not charity!

Finding a dentist who is honest and to find an insurance agent who is honest as well will no doubt be a real challenge!

How to find a trusted insurance agent?

I do not think there is any way one can find out about a trusted insurance agent except the personal reference or word of mouth. In the present day of Internet and cyber search it is quite easy to find names and addresses of both dentists (who are in the business of selling smiles!) and the dental insurance agents (who are in the business of selling pieces of peace of mind). So, myself as a consumer, I can suggest that personal reference is the way to go to find an agent whom you can trust.

Way to get Cheap Dental Insurance

Group power is the best. If you are employed enroll into the group insurance plan of the office right away. If you are self employed, find a group (prefessional, ameture, networking, or any other) and become a member to take the advantage.