What is Malpractice Insurance?

Malpractice Insurance

Malpractice InsuranceAccording to the National Association of Insurance Commissioners, and the Center for Insurance Policy and Research, medical professional liability insurance or sometimes known as medical malpractice insurance is a type of insurance that protects physicians and other licensed medical professionals. These health care professional can be nurses and dentists for example. Medical malpractice insurance helps these professional with any liability associated with wrongful practices that result in injuries to the body, medical expenses that can occur, property damage and as well as providing costs for defending lawsuits that can occur from these claims.

In addition to covering bodily injury and property damage, medical malpractice also covers personal injuries such as mental anguish. Medical malpractice insurers spend a great deal of time and fund to investigate and defense claims where there can be a negative patient outcome that is not originated from negligence.

Two Kinds of Malpractice Insurance

'If this crisis continues I think I will be receiving unemployment insurance until I am eligible for a pension.'It is important to know that there are two basic kinds of malpractice insurance.  One type is an occurrence, and the other is claims-made. Today, many insurers write on a claims-made basis. That is where policy is in effect at the time, and a claim was reported. In earlier times, the occurrence was a popular option. That is when a claim was made during a policy period, and it didn’t matter if the claim occurred during the policy period or even if the policy had been canceled.

The insurance market has experienced different times of crises, especially during the 90s. During that time, policyholders experienced very high prices that were heavily impacted by volatile changed in premiums, investment declines, and there also severe loss ratios that skyrocketed costs. Thankfully, loss ratios declined resulted in much lower insurance prices.

Many stations now require that closed claimed to be reported to the respective state claims department. This is done to understand better the claims that are linked to medical malpractice. These guidelines for this reporting were adopted by the NAIC as they also made recommendations to these state reporting.

According to Recent Studies…

Recent StudiesDue to the low cost of malpractice insurance, it is imperative that physicians get insurance. Without insurance, health care professionals are left vulnerable and unable to pay for any cost that is associated with any claims they will face. Claims are extremely expensive, and a health care professional that is unprepared for it can face the end of their career or practice. According to recent studies, 200,000 patients in the US have died from medical errors. However, only 15%of these personal injury lawsuits involves medical malpractice and about 80%of those lawsuits ended with no payment to the injured patient or their survivors. However, the cost of litigation, cost of attorneys, and the court systems still can run high cost even with a positive result for a health care professional.

That is why it is important for medical professors to find the right insurance company that will help them in troubling times and help keep their careers safe. That is why so many health care professionals trust MedMal Direct for the medical malpractice insurance they need.

The Five Ways You are Damaging Your Hair

Allure Hair SalonI love my hair, and I believe that the best way to care for your hair is by having a reliable hair salon and hair stylist by your side. While it may be hard for many, I try to make an appointment at least once a month to provide the best care to my hair. I choose a really great hair salon called Allure Hair Salon. They have amazing stylists and use great products on my hair that leaves my hair soft and gorgeous. After many years with Allure Hair Salon, I have learned some tips that I want to share with you, especially if you want the best possible hair.

Tip One: Using Hair Spray Before Hot Tools.

Many hair sprays, in fact, many hair products have alcohol in them. It is not a good idea to use heat on top of these products because alcohol will dry out your hair. This can make your curls drop, cause splitting and damage your hair further. It is always a good idea to use a product that is free from alcohol. If you are wondering how to find out if a hair product has alcohol in it, check the ingredients for any names that end with “ol.” Some products are so saturated with alcohol that you can smell it right from the bottle.

Tip Two: Not Using Heating Tools Properly

Heating ToolsWhile we are on the subject of heat, you should not use your flat iron or curling iron on your wet hair. Many people do that because they are in a rush, but it is a terrible idea to try to apply that much heat on wet strands. It breaks the hair, and you have to keep applying the heat over and over to get it to dry and straighten at the same time. The best way to use your flat iron or curling iron is by allowing your hair to dry completely. That will smooth and seal the cuticles of your hair and provide easier styling.

Tip Three: Avoiding Conditioner.

ConditionerIf you feel that your conditioner weighs your hair done, then it is extremely likely that you have purchased the wrong conditioner for your hair. Hair conditioner is an absolute necessity if you want to maintain healthy colored hair or highlights. Not using conditioner is like avoiding to use lotion or moisturizers on your skin. If you find that conditioner is too heavy for your hair, then try a lighter formula or conditioners made especially for your hair type, concentrate the conditioner on the ends of your hair and rinse your hair completely when you are finished. That way you can avoid any residue left on your hair.

Tip Four: Using Wrong Products

This is another reason why I am so pro hair salon. That way I can learn about the best hair products for my hair. If you want to keep healthy hair that is shiny, glossy and gorgeous, pick shampoo that is free from sulfates. That can dry your hair out, and we know how dangerous dryness can be to hair. Avoid over shampooing and focus on your scalp. Also, only later your hair for a second time only if your hair is dirty such as after the beach or swimming. You can check out more tips here to keep your hair at its absolute best.

How Do Generators Work?


Power Systems GeneratorsGenerators are amazing machines that provide electrical power often during a power outage or in areas that may not have a steady supply of electricity. Generators help prevent gaps in daily activities and help avoid any business disruptions. Generators come in different physical and electrical configurations depending on how a generator will be used. You can check out some more information about generators right here.

How Does it Work?

An electric generator is a machine that transforms all of the mechanical energy it obtained from an outside source into electrical energy. It is important to know that know that it does not create electrical energy, only converts mechanical energy into electrical energy. It takes the mechanical energy supplied to it to force the eclectic charges to move in the wire through an outside electric circuit. The flow of the electric charges starts the output that was given from the generator.

Generator Exploded ViewThe generator is made up of nine parts that work together. Some of its main components include the engine, the source of the mechanical energy that is inputted. The engine size of your generators is proportional to the maximum amount of power output that the generator can supply. Generators can operate on different kinds of fluids. These fluids include diesel, gasoline, propane and natural gas. Most of the time, small engines run on diesel while large engines run on propane, natural gas, and diesel. There are special generators that can operate on a dual feed of diesel and gas.

The alternator or the “genhead” produces the electrical output. It is made up of moving parts and stationary parts. These parts work together to cause movement between the magnetic and electric fields. These movements generate electricity.

On average, the fuel tank has enough room to keep a generator going for 6-8 hours on average. While smaller units, may have their fuel tank attached to the frame or skid base, commercial generators might have an external fuel tank. Fuel tanks have the following features such as the
Pipe Connection

  • A pipe for ventilation – prevent build-up pressure while the tank refills or drain.
  • The pipe that connects the fuel tank to the engine – supplies fuel directly to the engine.
  • An overflow connection from the fuel tank to the drain pipe – prevent fuel from spilling while the tank refills.
  • Fuel pump – this transports the fuel from the storage tank to the day tank.
  • A fuel filter or a fuel water separator – separates the outside elements and water to prevent contamination and corrosion.
  • Fuel injector  – sprays the right amount of fuel into the combustion chamber.

Lubricating Systems for Electric GeneratorsTo ensure engine durability, the generator needs a lubrication system. The electric generator has moving parts within the generator and without the proper lubrication system, the machine will not move smoothly. The best way to care for your lubrication system, you must check the oil pump and lubrication level every 8 hours of using your generator. It is also good practice to change for leakages and change the oil every 500 hours of generator use.

Since the generator is an intricate and important machine for many businesses and areas, it is a good idea to purchase your machine from the best companies. One company that provides excellent generators and commercial generators is Ring Power Systems. They are the leading supplier of new generators, pre-owned generators as well as other equipment as well.

What’s the Purpose of An Air Compressor?

Painting using an Air compressor Air compressorBefore I began my travel agency, I looked into becoming a car or airplane painter. I always found it to be really interesting after I went through my Pimp My Ride phase. I had a friend in the business who was an airplane painter. His name was Jim and he showed me a rundown of how it works. Before the plane is put together, the painters will paint over the metal and create the logos for the respective companies the planes will be going to. I took my two weeks of vacation to visit him in Daytona Beach to see how the work unfolded. He let me sit in on one of his sessions. It was truly masterful how he moved. The precision and detail that he used to paint the pieces was incredible.

After watching him for a few hours, he let me try my hand at painting. He let me hold the nozzle of that was attached to a portable air compressor. It was exhilarating to feel the paint spray over so evenly and smoothly over the metal. It was as if I was air brushing a Kardashian. By the end of it, I was ready to make the jump into painting. Jim asked me if I was sure that I wanted to make a career of it because I had been a travel agent prior. He advised me to come in for a few more sessions with him to see whether after a few more days of painting, if I would be just as excited about it. I felt wholeheartedly ready because I was sick of my job at Orbitz.

The next day when I came back the painting couldn’t be done because there were issues with the  portable air compressor. Jim tried to fix the issue, but I think he had made it worse. His knowledge of portable air compressors wasn’t as extensive as he had made it out to be. Worried about his safety, I decided to take things into my own hands and I called for an air compressor service and repair technician to come out as soon as possible to take a look at the compressor.

Airplane painting with an Painting using an Air compressorWhen the guy showed up, he asked who had tampered with the compressor and everyone pointed at Jim and laughed. The technician pulled Jim in close to him and told him to pay attention to what he was doing. He showed Jim where he had gone wrong, gave him a few suggestions and told him to write down step-by-step what he was doing so he would have a better idea of what to do in the future.

I spent a few more days with Jim after that, and I hate to admit it, but he was right. As fun and exciting as painting was the first couple of days, it wasn’t for me. It became tedious by day four and I wanted to be behind my desk again. But, I didn’t want to be working for a big corporation that didn’t care much about its clients. I wanted to open up a company that cares about its customers and wants to make sure they are loved.

How to Properly Move With Your Pet

Moving with your petYou might be wondering about your pet while you plan a move. As if moving wasn’t stressful enough, you worry about little Fido. I am a pet parent as well, of a dog that I literally named Fido. It started out as a joke, but the name stuck. I needed to move, but I was unsure if Fido could handle such a long ride. The Humane Society recommended that pets travel by car than by airline. I didn’t need the airline because I was planning on driving myself to my new home. It would be pointless to send my dog on a plane while I drive.

Moving companies aren’t allowed to transport pets. So that means you need to find a moving company that will make your move as stress-free as possible. In the way, I can focus more on transporting my dog to my dog with me. That is why I was so happy to find The Moovers. They are a great moving company with years of experience under their belt. I trusted them completely to help me pack and help me move to my new place.

It is legal tThe Moovers moving tipso move your pets within the country, but all states want that pets that enter their state lines have their health certificate and updated rabies vaccinations. So I talked to my vet and obtained a copy of my pet’s record just in case. My vet also took a look at Fido and checked to see if he needed any other vaccinations because of the place we were relocating too. Depending on the area that you move too, your dog or pet might be suspectable to the whether conditions or different wildlife they’ve never seen before. That is why it is a good idea to keep your pet vaccinated and healthy. Vets can also give you tips on helping your pet better prepare for the move. For pets that do not travel well, vets may even offer a sedative. It is never a good idea to use a sedative on your pets if they are traveling by air. Never.

Organization is key and being well prepared as well. I thought it was a good idea to prepare a pet kit for Fido. That means bringing a small bag of dog food. Traveling is not the time to change your dog’s food. That also means packing Fido’s food and water bowl.

  • If your dog takes medication, don’t forget to bring it.
  • Bring doggy elimination bags if case your dog’s needs to relieve
  • A copy of your dogs’ health certificate, proof of current rabies shots and other vaccination.
  • A leash
  • ID tags that have your new address, not your old address, your phone number or cell. You can also have a chip implemented in your pet as well in case they get lost.
  • Provide your dog with a blanket and any other toys that will make the ride easier for your pet.
  • Don’t forget to bring a gallon of water for your pet

The Moovers moving with your pet The move turned out to be a great success, and Fido handled the move so well. Plus, I had the reliable Moovers with me, transporting my stuff safely to my new house. For more advice, you can check out this article on moving pets.

Getting Down and Dirty with Recycling

Advanced disposal recyclingIn my neighborhood, we have our own private garbage disposal, called Advanced Disposal, that comes every week and pick up our neighborhood waste. They are a great company, very clean and very responsible. Not only responsible for keeping our neighborhood clean but also responsible when it comes to a greener world. Advanced Disposal likes to practice greener options to help leave less of a carbon footprint. I was inspired by their commitment to the environment, and it made me want to take more interest in the subject.

We all hear about recycling, but I think for many people, it is a passing thought. However, now that I was inspired by my garbage disposal company. I checked out the US Environmental Protection Agency and their suggestions about recycling and its benefits.

If you didn’t know, recycling is just the process of collecting and then processing items that would otherwise be thrown away as trash. Recycling can turn those items or “trash” into something new. That way it helps the planet, the community, and the environment. It’s no wonder put disposal company stand beside it so much.

Benefits of recycling can include

  • A reduction in the amount of waste that is sent to the landfills and incinerators.Advanced disposal waste disposal
  • We can conserve natural resources like wood, water, and minerals. We don’t have to take and take, we can reuse it.
  • It also prevents pollution because we will have a lesser need to collect and find new materials.
  • It saves an enormous amount of energy.
  • With recycling, there is a reduction in greenhouse gas. Greenhouse gasses contribute to the global climate. A huge concern for the modern world.
  • By our efforts, we can sustain the planet for the future generations to come,
  • An increased focus on recycling can create well-paying jobs in the recycling and manufacturing.

All these benefits seemed like a good enough reason to consider the Advanced Disposal recycling and their focus on making communities a greener place. In fact, they have an education program on their site about recycling to educate the public and their customers.  I wanted to find out how I can leave a better footprint in the environment.

Advanced Disposal recycling planThe first step is through Collection and Processing. This can be done through curbside collection or drop-off centers. The recyclables are then sorted, cleaned and then process into materials that can be manufactured. Recyclables are then considered raw materials and are bought and sold that way. Depending on the supply and demand in a particular placed, the prices can go up and down.

There is also manufacturing. That is when recyclables are transformed into products. Many household items contained manufactured recyclables like newspapers, laundry detergent bottles, plastics, and aluminum. They are used in new ways by companies who want to leave a greener footprint on the environment.

Lastly, I can purchase items that are made from recycled materials. If not already recycled, you can purchase items that can be recycled and after use, have the products recycled. You should always check for the recycle sign on the product. If it’s there, you are good to go!

It’s Time to Get the Prints

Time to Get the Prints

Adobe Creative SuiteI recently volunteered for a non-profit organization in my community. This non-profit is aimed at helping children and improving their reading skills. They wanted flyers made to share around the community for a big event the organization wants to throw in a few weekends. I have always been interested in digital printing and jumped at the opportunity to create flyers and prints for the organization. You guys may not know, but modern printing is way different than old printing techniques. Digital printing today involves lasers and ink-jet printing, the most common form of modern digital printing. Today, the image that you want to print is sent directly to the printer through digital files. These files can be PDFs, images that you save, images that are created from graphic software like Adobe Illustrator, InDesign or Photoshop. Since we can send the files straight to the printer, digital printing doesn’t need the printing plates that old printers used or is used in other printing techniques in offset printing.

Digital PrintingDigital Printing had transformed printing and made it all the more faster. Since most people now don’t have to use plates anymore, Digital printing has changed the printing time and help create “printing on demand.” Because of digital printing, companies, and people do not have to figure out large runs or pre-determined runs. Instead, digital printing has accommodated the needs of different corporations and individuals who need small runs, even single print.

There are some drawbacks. While digital printing service is quicker and more “on demand”, offset printing has better visual quality. But the good news is that advances in digital printing have been the printing quality better and continue to lower the cost of printing. In fact, digital printing has many benefits that are beneficial to everyone. Some advantages include:

  • Eliminating the cost of plate-making and setting up the process
  • Easier to make last minute changes because you can just hop on your computer and make the changes.
  • Reduces the cost of making changes.

FlyerI went ahead and designed a fantastic flyer for the organization where I volunteer. After perhaps an hour of creating the flyer, I got the flyer ready for print. However, I would need a large printing service that will help make a few hundred flyers to spread about the community. The printers cannot handle that kind of volume at the offer. So the best option we have is to research and find the best printing company that will be able to handle our printing needs. The printing company we found, Cornerstone Printing, has been in business for a couple of decades and have experience dealing with all kinds of printing needs. Therefore, I trusted them. It was a simple process. I called them up and within a few minutes of speaking with their excellent staff, my flyers were getting printed and ready to go for us. I am so happy with the result. We had the flyers just in time for the event which was the best result of all.

My Trip to the Chiropractor

Trip to the Chiropractor

Memorial DayMemorial Day recently passed and while the rest of the country celebrated with a barbecue, enjoying their family and hanging at the beach, I was stuck in bed. My family just like many other families around the country were ready to hit the beach and celebrate together. Every year, our family gets together at my grandmother’s house to celebrate Memorial Day. In preparation, my feisty grandmother assigned tasks for all of us to get ready for the holiday.

Red-LightMy mother was assigned to make dishes, other relatives such as my cousins were assigned t get drinks and other things. Since I can’t cook or do much anything else except eat, my grandmother told me to grab sodas, ice, and napkins. I hopped into my car and headed for the store where I purchased soda and ice. On my return to my grandmother’s house, I stopped at a red light. Everything was normal and fine. While I waited for the light to turn green out of nowhere, my head pushed forward, hitting on the steering wheel. A sharp pain spread from the front of my head all throughout my head, the pain spreading down to my neck. I was ready to cry and for a couple of seconds, I had no idea what happened to me. It was strangers on the street banging on my window trying to help me.

I was in a car accident. A distracted driver slammed into the car behind me that then slammed right into me, pushing my car into the interaction.

Chiropractor ServicesWhile I didn’t need to go to the hospital, I was sore, and my neck was in a great deal of pain. I was advised that I needed to see a chiropractor. I was a little skeptical to see a chiropractor. I wasn’t sure what they could do for me, so I did some research about chiropractors on WebMD. From my research, I discovered that millions of Americans visited a chiropractor every year. People seek a chiropractor for pain relief caused by physical ailments in bones, muscles, joints, and connective tissue, like your body’s tendons, ligaments, and cartilage. For many people who seek a chiropractor, they use their services along with traditional medical care. For millions of individuals, chiropractic services are the best solution for them.

Now I am convinced that chiropractic care is the right choice for me. So all I had to do now was research a chiropractor that was reputable, compassionate and could help relieve the pain in my neck and back. My research led me to the Back to Mind chiropractor in Hollywood. It was local, and I loved how many people praised their services. I called and made an appointment to see a chiropractor in their offices.

I was nervous at first, but the staff at the Back to Mind office was so kind and genuine. They helped calmed my nerves and introduced me to the chiropractor. He was kind, compassionate and knew exactly how to help me feel better. I left feeling way better than I expected. I am projected to be fully healed after a few more sessions with Back to Mind Chiropractors. I couldn’t be more thankful.

Let’s Get Started


My name is Amy Farris. And I welcome you to my website. What we do is we run a website that will help you find the best deals on flights. Yes, I understand that there are several websites that are bigger than mine that will get you access to cheap flights and hotels. However, what you need to understand is that many of these companies have deals with each other and will offer you a price that will suit both parties. What we aim to do is to find you the best deals to accommodate your needs. We will look into everything from price, seating and placement. We will also look into stand-by tickets for you that will come at an even cheaper price, but there is a risk that you might not get on. No need to worry, though, because we will find you another flight should that one not work out. But, even more than that we will look into the flights ourselves to make sure that you do not run the risk of missing out on a flight when on stand-by.

We will only offer these tickets when we find that there is a very low demand for tickets for that particular flight. Unless we are confident that you will get on that flight, we will not offer the stand-by option. But, there is always a chance that the worst can happen and the flight ends up booked last minute because of delays or cancellations with another flight. When this happens, our team will make sure to get you on the next available flight without asking you to pay the extra amount for a guaranteed seat. We want to make sure that you are completely at ease and wholly pleased with your experience. We are not like the typical airline who sees you as just another pawn in their money making scheme. We see you as people. We see you as one of us. And for that reason, we will make sure you have the smoothest and most affordable flights available to you right at your fingertips.