5 Most Common Workplace Accidents

When you are working, you are bound to face numerous challenges. It can be as simple as trying to wake up early in the morning to something drastic like worrying if you have enough money left. This can be even truer if you do not work at home. You have to worry about the money to spend when commuting, or for the gas of your vehicle.

Workplace Accidents

Another challenge would be the workplace. The workspace is not entirely safe as accidents can also happen in this area. There are uncontrolled events that cause physical harm to workers on the job like slips or trips. Occupational accidents often cause physical and mental injury. Thus, it is just right to file for a legal claim. Different states have specialized attorneys that can handle such cases. For example, people living in the state of New York have access to a highly rated personal injury attorney in Rochester who is available to help you recover compensation for your injuries.

Nevertheless, how can you consider an accident to be a workplace accident? A simple bump from your co-employee causing you to spill coffee on your shirt cannot be considered one. You weren’t injured, first of all, and a stain can be a pain, yes, but it can be cleaned. There are numerous common workplace accidents, but the following can be considered as the most frequent:

Walking into or being hit by Objects

While a little comical, walking into objects can still cause serious injury. Slips or trips can lead to a more serious damage. Employers have a duty to inform their employees of any changes with the floorplan, and leave enough space to avoid environmental hazards. The same goes for objects on high shelves. Employers and employees alike have a responsibility of placing objects properly in their shelves to avoid head injuries.

Structure wise, there is a must to maintain the integrity of the building. The wall and ceiling fixtures must be checked daily to avoid accidents.

Injuries Caused by Personal Protective Equipment

PPEs exist for the sole reason to protect its users from potentially strenuous jobs. If the employer fails to provide these, then they are liable to legal claim. After all, failure to provide PPEs can be considered as a breach to the worker’s safety, accidental or not.

On the other hand, ineffective PPEs can also be enough to hold legal claims against the employer. PPEs are considered inadequate if the equipment is old and outdated, do not fit the environment, and do not fit the user.

Machinery Accidents

The improper use of dangerous machineries can lead to disastrous consequences. All employees are required to read safety guidelines of how to operate these machineries, and the employers have a role to make sure that happens. The employees must also be trained to use the machines, and be given the proper PPEs. The failure to do so can hold the employer and company accountable.

Manual Handling of Heavy Objects and Materials

When you carry heavy objects, your back, neck and shoulders are at risk of injury. Some objects can be too heavy to carry on your own or even with a group of people. If your employer insists on making you do the heavy lifting and you or one of your co-workers get injured, then you can hold your employer accountable.

Other reasons can be the lack of adequate space and overworking the employee.

Burn Injuries

This is usually caused by chemicals, or faulty wiring that can lead to deadly explosions. The lack of safety procedures when dealing with equipment that can cause severe burns can often be enough to claim personal injury.

Even if you do not work in an area where these accidents can happen, it is still important to be safe. By staying vigilant with your safety at work, and recognizing any potential hazards at work will significantly reduce risks.

 

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How to Spend Money Efficiently on Vacations

When going on a trip, there are several things that need to be addressed. Once you’ve chosen your vacation destination, the next thing to do is to book the hotel accommodation, find the best bistro or restaurants which offer the best but inexpensive food, and the best tourist spots to explore. Fortunately, all of these concerns have one thing in common: money. It is a no brainer to save money for the trip. However, there is still the chance that the money you stored might not be enough. To avoid for this to happen, we plan for it. Now the problem is: where do we start?

Spend Money Efficiently on Vacations

Step 1: Finalize your Decision.

While this part is often found as the last step in most plans, this is a step that I think we should start first with. Most plans do not go well, because there is not enough motivation and carefulness to see it through. If you plan to go on a vacation, you must finalize the decision to actually go for a vacation. By having the plan set in stone, you can build around it better without wasting time and money.

Step 2: Know who you will be going with, and set a Budget.

Is your vacation going to be a solo one, or will you bring others along? Planning for a vacation must involve the people you will be going with. This can be the determining factor of how much you will actually spend in your vacation, and how much you should prepare. Immediately let the others know about your personal budget for the vacation, so all of you can plan around it. To ensure

Step 3: Determine the Safety of the location

Many vacation spots are considered safe for tourists, but you cannot discount accidents. They happen at the most inopportune moments, and there is often no way to avoid them as they are happening. It will be even worse if the accident catches you in a state that you are unfamiliar with. Consider looking into the location’s legal procedures of the area. South Florida, for example, has a Boca Raton personal injury attorney to help you recover the compensation you deserve for your injuries.

Step 4: Look for alternatives

A vacation can be fun, but it is the location that matters most. When looking for a vacation spot, it is also important to look at the alternative places you can go to. This way, you can stop yourself from wasting money by finding a vacation spot that is closer and perhaps cheaper offers. Another way to look at alternatives is comparing the price ranges, hotels, and restaurants around the area.

Step 5: Commit to your Decision.

Now that you have set the budget, looked for alternatives, and determined the safety of the location, you now have to commit to it. You must remember that there are no refunds for the time and money you have spent for this plan. While these steps may be serious and meticulous, it is all for the sake of having an enjoyable time for your trip.

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Legal Claim: Mesothelioma Settlement

If you or your loved one received a mesothelioma diagnosis, the best course of action for you is to talk to a mesothelioma attorney right away. It is important that you contact an experienced attorney, who has handled mesothelioma cases in the past, to discuss your legal options for a Mesothelioma case.

Mesothelioma Settlement

This asbestos-related disease can harm one of the family members or the entire family. So, what is Mesothelioma? Read on to know more about this disease.

Mesothelioma is a type of cancer, a malignant tumor that develops from the thin layer of tissue that covers many of the internal organs primarily the chest wall and lining of the lungs to the heart and abdomen.

Signs and Symptoms typically come on slowly includes:

  • shortness of breath,
  • swollen abdomen,
  • painful cough,
  • chest pain,
  • unexplained weight loss,
  • feeling tired or exhausted

If not properly treated, life expectancy for most patients is approximately 1 year or 12 months after being diagnosed. Treatment can include radiation, surgery, or chemotherapy.

This type of cancer is primarily caused by exposure to asbestos or inhaled asbestos fibers. People most at risk of developing Mesothelioma are those who handled asbestos for a prolonged period of time or were exposed to large amounts of asbestos as part of their job.

People who are at risks are:

  • People who work in the industry of asbestos mining
  • People working with asbestos produce products – Firefighters, construction workers, power plant workers, shipyard workers
  • People living with asbestos workers
  • Exposure can also happen to anyone who comes into contact with asbestos in homes and buildings.
  • Family members who live with a person who is regularly exposed to asbestos fibers.

Other risk factors include:

Washing the clothing of someone who worked with asbestos and genetics.

Lately, there are claims according to the stories of mesothelioma victims that repeated exposure to cosmetic talcum powders can also cause malignant Mesothelioma.

Asbestos is a natural mineral widely used in thousands of products from construction materials to consumer goods but can cause serious health effects to individuals, not only to those exposed in the workplace but product exposure and environmental exposure as well. The greater the exposure to asbestos, the greater the risk to acquire the disease.

Thus, if you are diagnosed with Mesothelioma, immediately seek legal help and find the best Mesothelioma lawyer to assist you and help you file a legal claim so you can recover settlement for the losses you and your loved ones have suffered.

 

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Ways to seek legal help when you have no money

Getting a legal advice is often easier said than done. Sadly, not everyone can afford an attorney. Much as we want justice to be served, the funds deficiency always gets in the way.

There comes a time when we need legal services especially when we are in a situation where we cannot simply defend ourselves. Just a simple do it yourself defence is not enough to win over our opponent. Without money to spend for legal fees, chances of defending our rights will surely be low to no chance at all.

legal help

What to do then? Do not just sit back and wallow in self-pity because there are still ways to seek affordable legal services

Ask help from non-governmental organizations. Look for NGOs or legal aid societies. These non-profit organizations can be found in almost every city of the country that provides free legal services to low-income people.  

Contact Public Attorney’s Office (PAO) or your country state bar association. PAO has been known for providing free legal assistance to underprivileged and deprived clients. They have many lawyers specialized in different practice areas that can represent a client pro bono. However, pro bono or reduced-fee help may differ from state to state and county by county.

Visit a law office. Talking to pricing attorneys may be an option. Depending on the gravity of the offense you committed, for instance, you are facing an offense of driving while intoxicated, or driving under the influence of alcohol, then there are significant penalties upon conviction. Seek the assistance of a Rochester, MN DWI attorney if you are living in Southern Minnesota. An attorney might give you a discount if you ask. Sometimes their fees aren’t as high as you might expect.

Visit a law school. Seeking advice from a law professor or a senior law student is a good option. This is one of the best ways to get free legal advice if you don’t have the money to spend on a lawyer to represent you.

Browse online legal forums. Another avenue for seeking free legal advice is the online community. Different legal matters are discussed in these forums. Annulment, divorce, property claims and child support or custody are just some of the issues often discussed in these legal online forums. However, you need to be extra careful not to divulge important details for security.

Depending on your situation, you can employ any of the ways to get free or affordable legal services mentioned above. Just make sure to first conduct a background check and confirm that your chosen lawyer is in good standing as a member of the bar before hiring his services.

 

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4 Common Types of Legal Claims

Legal Claims

Making a claim for compensation is a sensitive legal matter that must be held by an expert lawyer. If you’ve been injured in an accident due to negligence, road mishap or work injury, a victim of domestic violence or other forms of pain and suffering, the burden of costly medical expenses and legal costs are just two of the sad realities we are always confronted with.

Great news for suffering victims that you no longer have to go through and live with the consequences of another person’s carelessness and negligence just because you have no money to hire a legal adviser. It is now possible to claim personal injury compensation through a No Win No Fee agreement. A No Win No Fee is a conditional agreement between the legal representative and the client. This agreement assures the client’s peace of mind as it doesn’t have to cost a penny regardless of your claim’s outcome. However, you also need to do your part by supplementing and organizing the evidence and documents needed as well as the witnesses that will help your No Win No Fee Lawyer in defending your case.

Hiring the services of a lawyer to represent you is beneficial especially if you don’t have any legal understanding about what type of legal claim you are entitled to and how will this legal claims work.

Below are the common types of legal claims:

Road/Traffic Accidents.  You can claim compensation if you are a victim and get injured because of a road accident. The most common road accidents that falls under this claim are: vehicle collision, occurred accident because of problems with road safety facilities, driver’s ignorance and failure to abide by road traffic regulations, if you are a pedestrian harmed through reckless driving and more.

Medical Negligence. Health care professional negligence that will lead to a lawsuit are: prescribing improper medication and dosage, defective drugs, misdiagnosis, wrong site surgery, surgical errors and more. Medical malpractice may become a criminal offense in extreme conditions like situations regarding the wrongful death of a patient. If you are a physician in this circumstance, it is best to seek an Orlando criminal attorney if you are living in central Florida. They will help make sure that your rights are protected.

Work Related Injury. A work related injury can be injuries that took place while a worker is travelling and visiting other workplace sites as a part of his job, it can be an illness caused by chemical or harmful substance exposure in the work environment or physical injuries like fractures, burns or being hit by a falling object..

Divorce and Domestic Violence. The court may allow alimony or spousal support after a divorce based on the court decision or agreement between the couple. Domestic abuse on the other hand is not only based on the victim’s visible physical injuries, it may also be in the form of verbal abuse like threats and coercion, emotional violence and intimidation.

With the help of a good and reliable solicitor, probable compensatory damages can be given to the claimant of a lawsuit.

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Recover Your Finances After A Serious Mishap

road accident

When you travel to work on a daily basis, be a commuter or driving your own car, different kinds of vehicles like cars, SUVs, buses, motorcycles and large commercial trucks are a common sight.  Road accidents can unexpectedly happen and can come as a big shock. This mishap can be disruptive to your life in many different ways. A road accident has a big effect on one’s life: From missing days off work, daily physical routine, emotional distress and severe loss of earnings.

If you have been injured in an accident with a commercial vehicle, such as a semi truck in the state of Oregon, it is critical to consult with an experienced Portland truck accident attorney as soon as possible. It’s now becoming more common for people to claim for personal injury due to all of the big trucks on the road. You deserve some form of compensation for your economic and non-economic suffering.

There are several compensations available for injured victims. With the help of legal assistance you may be able to recover damages for:

  • Reimbursement for medical expenses;
  • Rehabilitation costs;
  • Disability;
  • Lost wages and Loss of expected future earnings;
  • Pain and suffering;
  • Mental distress;
  • Permanent disfigurement;
  • Loss of quality of life; and
  • Wrongful death.

 It is important to seek the assistance of an accident lawyer as it is difficult to go through this kind of process alone. So make sure you can get all the help that you can.

In order to speed up the process of the compensation claim, it is best advised that you collect and have all the necessary documents to support your claim like:

Pictures. These are the best arguing tool that you can have. Photos showing the accident and the surrounding area is a solid proof in case the other party denies what happened. Photos should also include the license plate of the offending vehicle.

Incident Report: Get the name of the investigator or police officer who took command of the situation and ask for a copy of the incident report with complete accident details. However, you shouldn’t rely solely on the police report to tell your side of the story. It is better to gather witnesses too.

Medical Costs. Keep a copy of all the medical expenses and medical records.

As we all know, one of the major aspects involved in this kind of situation is your finances. With the right lawyer on board, you can more easily claim compensation which will be able to help you to get your finances back on track in no time at all.

 

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Defective Drug Legal Claims: Get the Compensation You Deserve

Defective Drug Legal Claims

If you have suffered a personal injury due to a serious defective medication side effect, there is a good chance that you can make a claim for some financial compensation to cover any medical bills and loss of income that you may have experienced. If in case you are a suffering victim of the Truvada-based drugs, you can file a case and recover money settlements through Truvada lawsuits. The monetary compensation will determine your quality of life as you recover, you’ll want to optimise it as best as you can. This means that careful planning is required so you can reimburse with a satisfactory amount of cash.

 Collect All Important Documents

Since you will eventually take this case to a solicitor, you will need to gather as much evidence as you can. From the moment the health risks associated with the drug occurred, it is best advised to get in touch with your lawyer, collect all the necessary documents including:

  • Medical records
  • Corporate statements
  • Witness details
  • Video footage if applicable
  • Hospital receipts

The specific details of what you need to supply may vary from one region to another. Shouse Law Group is a California-based law firm representing victims of Truvada-based drugs and accepting cases from across the United States.

Take Photos and Notes of the Damage

You can also collect some personal proof of what happened so you can improve your chances of gaining the right amount of compensation. This can be done in a number of ways such as:

  • Taking photographs of injuries and other damage
  • Writing down notes about the occurrence
  • Collect all written prescriptions, laboratory results, CT scans and X-ray results

Remember that you can never have too much proof. The more you collect, the better the chance your lawyer can then fight for your case and get you the reimbursement that you deserve.

Speak with a Defective Drug Lawyer

In order to optimise your chances of gaining the right amount of compensation, you will need to work with an expert in this legal area. Attempting to handle this task on your own can be risky especially since you don’t know the complexities of this particular law-related field. These agencies will typically offer an initial consultation where you go over the details of your case and decide whether you have a good chance of winning. They will also provide you with a quote which can then be compared with the offers given by other solicitors you have talked to.

Always Use a No Win No Fee Lawyer

When opting for one legal specialist in particular, you should always hire a solicitor with a no win no fee policy. This means you won’t have to pay a penny if you end up losing the case. At the free initial consultation, ask if this applies to your situation. If the lawyer is confident they can help you win, they should have no trouble waiving the fee if you end up unsuccessful. In this way, you will only have to cover these legal costs if you end up gaining the necessary compensation in the future.

By following these four steps, you can then maximise the amount of compensation received after a defective drug legal claim.

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Personal finances 101: invest in football memorabilia and make some cash

 football memorabilia

Collecting football memorabilia is a satisfying hobby for many — however, not everyone knows how to turn this into a money-making activity. With the help our guide below from UK specialist in display panels: Where The Trade Buys, learn about which editions to look out for, to grow your collection. You may even have some valuable programmes laying around in your loft space… let’s find out?

The history of football match programmes began in 1888

In 1888, the first football programmes were published alongside the launch of the Football League. Unlike today, the aim of a programme was to keep score and it was made up of a single sheet detailing the teams and match date.

Over time football programmes increased in size, growing from pocket-size to A4, with some clubs preferring the smaller option and others opting for the larger format. From a single sheet of basic info, the availability of saddle-stitch book printing and a growth in popularity turned football programmes into thick, glossy books crammed with trivia, statistics and high-resolution photos that fans loved to buy before every match.

One of the first programmes to be published was the ‘Villa News and Record’ for Aston Villa. Soon after, the football programme took on a weightier format of between four and eight pages, while the covers became more attention-grabbing and attractive. During and after World War II, a paper shortage cut the number of programmes that clubs could produce — making any that were released very collectible today.

Today’s football programme stays true to its roots by giving spectators key details of players on each team. Although today, the programme can also act as a mouthpiece for the club in question, allowing managers and players to speak to fans via interviews and club statements.

How much are collectors prepared to spend?

There are many examples of rare football programmes being sold to collectors for a lot of cash. In 2012, a family from Ipswich managed to make around £46,000 by auctioning off a set of football programmes they stumbled across in their house, which goes to show how easy it is to not realise the treasure you have sitting around your home.

Fairly recently, Sotheby’s New Bond Street auctioned off the oldest-known programme from a FA Cup final — Old Etonians vs Blackburn Rovers in 1882 — for £30,000, while a single-sheet programme from the 1909 FA Cup final between Manchester United and Bristol City went for £23,500 in 2012.

To give you a helping hand, here’s a guide on which editions should you watch out for as a collector.

Collectible football programmes: some examples

For fans, football programmes clearly play a large part of the match day experience — but how collectible are they and which should you search for if you want to bag a truly special edition?

The first Wembley final programme from 1923 is a great example of an important collectible item. It details the match between Bolton and West Ham United and is worth around £1,000. Alternatively, there’s the programme from the one and only time a non-English club lifted the FA Cup — Cardiff City vs Arsenal in 1927 — which ended with a score of 1-0 and has a value of about £2,500!

The 1966 England vs West Germany programme is potentially one of the most highly prized programmes in sport. But be warned; there were three reprints of the original, so tracking down a bona fide version is tough. If you want to be sure you’re buying an original, check the weight and colouring — the reprints are more lightweight, while the front cover of the original is a deep, royal blue. Different paper types are also used for the team pages in the original, but not in the reprinted versions.

Another one that programme collectors look out for is the edition from the game that was cancelled following the 1958 Munich air disaster (Manchester United vs Wolverhampton Wanderers), which can go at auction for around £10,000, or the programme for the first match following the tragedy — the 19th of February 1958’s game between Manchester United and Sheffield Wednesday. In this programme, the club showed respect to those involved in the disaster by leaving the team page blank.

A quick guide for new collectors

Keep the following three key features in mind to make sure you’re getting a good deal:

  • Programme age — anything over 50 years old is most collectible.
  • Availability — if there are many available, this will bring the value down.
  • Demand — programmes with an iconic footballer on the cover or detailing a famous match are the most prized and valuable.
  • Wear and tear — creases, missing staples and water damage all harm the programme’s price, so ask for a photo before you pay.

Any programme from an FA Cup final match holds value, as does any booklet that was perhaps the first or final edition of a player’s/manager’s career (i.e. the last game David Beckham played for Manchester United).

Another thing to highlight is that certain teams typically hold greater monetary value than others when it comes to programme collecting — although, programmes from your team’s past will be more personally valuable to you. Sides such as Manchester United, Chelsea, Liverpool, Spurs, West Ham, and Arsenal are all highly sought after and are worth keeping an eye out for if you want a particularly valuable item. The Football Programme Centre is also a good source of advice if you’re keen on becoming a serious collector.

Many fans all over the UK enjoy collecting football programmes — particularly when you track down a rare edition or grab a great bargain. So, why not keep yourself football-focused until the new season kicks off by learning more about the hobby?

 

Photo by rawpixel.com from Pexels

Sources:

https://www.bbc.co.uk/news/uk-england-suffolk-18399222

https://www.antiquestradegazette.com/news/2013/auction-record-for-any-football-programme/

https://www.justcollecting.com/miscellania/top-5-most-fascinating-football-programmes

http://www.footballprogrammecentre.co.uk/football-programme-guide.php

Changes which have been made to various savings initiatives

Building societies are now a common sight on the high street, while we always hear about shifts in the stock market on the news. So many of us have personal savings accounts and pension pots set up now too. But have you ever thought about where these came from, or how each savings initiative has changed over the years? In the following infographic, personal pension specialist True Potential Investor has taken a step through time with this question in mind.

Did you know that the first known building society formed for groups of individuals who were looking to help each other to buy property? Or that the Bank of England was founded towards the end of the 17th century to fund the war effort against France? How about that the Amsterdam Stock Exchange was believed to be the world’s first stock market?

Discover even more fascinating facts by browsing through the full infographic below…

 

savings initiatives

Planning your steps to financial freedom

financial freedom

Financial freedom for many may seem far away, for some even impossible. There are an abundance of things you can do to ensure this becomes a reality. Planning is required, and hard work is needed but creating financial freedom is possible through just a couple of simple steps to you should follow.

1. Have a percentage in mind to save

Saving is one of the most importance factors when it comes to establishing financial freedom and one of the best ways to do this is to decide what percentage of your income will go into savings each month. For example, this could be 10% of earnings, but for some with more comfortable salaries this could be increased to 50%. If you chose to set this up through a direct transfer, the funds will automatically go into a savings account and quite often these numbers add up quickly, which may leave you surprised when you check your available funds. The percentage you chose to save can be adjusted accordingly to your current financial position. It is unlikely that around Christmas you will save extra, but ensuring you have a certain sum automatically saved each month is one of the best and most productive ways to maximise your household income.

2. Invest in Property

There are many lucrative ways that can make your money stretch further. Property is the only asset that produces two different returns on investment, capital appreciation and rental yields which helps to secure financial freedom over the likes of stocks and shares. Capital appreciation refers to the amount a property will appreciate by in the future. In 1998, an average London home was worth £115,000, however two decades later in 2018 the average property price exceeds half a million at £671,412. Besides this monetary growth, rental returns can be gained alongside and property investment specialists like RW Invest offer properties in which you can secure solid returns and potential for capital growth in years to come, meaning that eventually the property will end up paying for itself. Click here to view their full portfolio: https://www.rw-invest.com/. Buy to let property is emerging as one of the most popular ways to grow your income, as well as being a stable way to entrust your money.

3. Aim to diversity your income

Diversifying your income is one of the best ways to create wealth as it provides an extra level of security. Having more than one income stream allows a safety net to ensure you always have an income from one or more other avenues. Many people have avoided serious financial difficulties because of diversifying their income, this may include obtaining a second job. If you are unsure how to add extra income then consider selling unwanted items, involving yourself in part time work or venture into freelance work or an independent business.

4. Ensure all debts are paid

This can sometimes be easier said than done, but one of the most essential things to remember is as soon as you pay off your debt the quicker you will receive financial freedom. To avoid this altogether avoid spending money you don’t have in the first instance. If you are in substantial amounts of debt, calculate how much you owe and set yourself a strict time frame, and be wary not to incur any additional bank charges in the meantime.