Inside-Information Regarding Your Motor Vehicle Accident Insurance Claim

Here’s some “Inside-Info” you must know so you won’t be taken advantage of on your motor vehicle accident insurance claim and also: SO YOU CAN COLLECT EVERY DOLLAR THAT’S OWED TO YOU !

The following 8 are just “The Tip Of The Iceberg”:

#1. There are situations where you can collect for your “Lost Wages” even if you were paid by your employer and/or collected “Sick Leave” while unable to work.

#2. You can collect money and be reimbursed for any and all “Over The Counter” (non-prescription) medication you purchased during your recovery.

#3. Under normal circumstances unless a claim ends up in court (several years after impact has taken place and you are fully recovered) you do not have to agree to be examined by the insurance company’s doctor.

#4. There are many times that come to pass where you are entitled to collect the “Gross Amount” of your lost wages, not the so-called “Net After Taxes”.

#5. If you’re a housewife, you can often recover for “Lost Wages” (based on the “Value” of a maid or a domestic servant, who would execute the same work) which you could not perform due to the injury.

#6. You are entitled to extra compensation if you can prove you were forced to cancel a vacation and/or a special event.

#7. Under certain circumstances you may be able to make a claim (and collect for) a personal injury even if your state is “No-Fault” and you already have PIP (Personal Injury Protection) coverage.

#8. Your friends, and even relatives, have the right to execute statements which you can send to adjusters (and/or anybody you feel should get one) going into detail as to what happened to your body and what they’ve observed you’ve had to deal with (via your “Pain and Suffering”) during your period of recovery.

These statements can often provide you with an even greater dollar value – – when it comes to the calculation and then the ultimate settlement of your personal injury claim!

DISCLAIMER: The above article “INSIDE-INFORMATION REGARDING YOUR MOTOR VEHICLE ACCIDENT CLAIM” is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga,nor ARTICLE CITY any guarantee of any kind whatsoever, NOR to they purport to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUAL’S RESPONSIBILITY to obtain it.

Dan Baldyga’s third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at or This book reveals “How To” successfully handle your motor vehicle accident claim, so you won’t be taken advantage of. It also goes into detail regarding BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA explains how to determine the value of the “Pain and Suffering” you endured – – because of your personal injury !

Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved

Dan Baldyga – Author

(How To Evaluate And Settle Your Loss)

For 30 years Dan Baldyga was a Claims Adjuster, Supervisor, Manager and also a Trial Assistant. He is now retired and spends his time attempting to assist thsoe involved in motor vehicle accident claims so they will not be taken advantage of:

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Before you advertise, have you filled out your “Creative Strategy Form?”

So you say you want a brochure? Or an ad? Or a radio spot? Okay, but…have you filled out your “Creative Strategy Form” first?

Welcome to another edition of Not Your Usual Marketing Tips from JDK Marketing Communications Management.

It’s not just a matter of looking at a blank piece of paper – or screen – and saying to yourself, okay, I want a new brochure and here’s how it will look: I’ll put a picture here, put the logo there, and just write down whatever comes into my head and place it all on the inside…

So you say you want a brochure? Or an ad? Or a radio spot? Okay, but…have you filled out your “Creative Strategy Form” first?

Welcome to another edition of Not Your Usual Marketing Tips from JDK Marketing Communications Management.

It’s not just a matter of looking at a blank piece of paper – or screen – and saying to yourself, okay, I want a new brochure and here’s how it will look: I’ll put a picture here, put the logo there, and just write down whatever comes into my head and place it all on the inside…

Not that that may not have a chance to succeed vis-à-vis what your competitors have floating out there in the marketplace. But the better chance is when initial thought and discipline goes into the recipe, you’ll be cooking up something far more flavorful and nutritional…if nutrition be a metaphor here for substance and a meaningful message.

Here’s what I prescribe to my clients before we embark on the vehicle itself – whether it’s a brochure, ad, radio/TV spot, billboard, even to an extent a logo design. They need to fill out a single sheet of paper, a questionnaire I call the “Creative Strategy Form.”

Here’s what it asks:

  1. How would you describe your product/service?
  2. What/who is your target audience?
  3. What are your business’s (cosmetic) features – are you bigger, smaller, prettier, older, younger, in the city, in the suburbs, etc.?
  4. What are the benefits to your clients (as opposed to “features,” what are the elements to your product/service that can actually help them)?
  5. Who is your competition?
  6. What do they have that you don’t?
  7. What do YOU have that THEY don’t?
  8. Do you have a “call to action,” such as a coupon, a giveaway, a website?
  9. Do you have samples of marketing materials done by your competitors – or even in another industry – that you like, or particularly impresses you?
  10. If your audience could derive one main, focused (important word!) thought out of this piece, what would it be?

And there you have it. If you can answer these questions…or even if you can’t, and it prompts you to think further about how to “explain” your business…you’ll be that much more ahead of the game when it comes to developing your message, your theme, even your artwork that puts a graphic “face” on the materials.

And it certainly takes the guessing game out of how to fill that blank piece of paper, or screen.

As to how yours truly has helped clients recently “fill in the blanks,” you’re welcome to check out my website ( []), go to the Portfolio link, and note what was done just recently for the Matthews Family Chiropractic clinic, and the Larry Hale Insurance Agency.

Joel Kweskin is the principal behind JDK Marketing Communications Management.

He is a former Advertising Manager and Creative Director for Royal (& SunAlliance) Insurance, helping to earn several industry awards for excellence in advertising and marketing communications. During this period, he served as national Vice President of the Insurance Marketing Communications Association (IMCA) and was representative to the Association of National Advertisers (ANA).

He has been a copywriter for New York City and Charlotte advertising agencies; his writing skills embrace virtually all disciplines of marketing promotion and journalism.

Since 1996, through the emergence of his own company, Kweskin has offered consultation on marketing strategy and creative development and implementation for such diverse national, regional and local corporate names as BellSouth Mobility DCS (Verizon); Transamerica Reinsurance; Bristol-Myers Squibb; John Deere; Moissanite Jewelry; Pro-Med Emergency Care; Charlotte Housing Authority and Archadeck.

Kweskin has also displayed his skills on both the publication stage and the theatrical stage: he co-authored articles for National Lampoon magazine and co-scripted a comedy revue off-Broadway in New York City.

Joel Kweskin

JDK Marketing Communications Management

704.846.4835, office

704.575.8850, cell

704.841.2746, fax []

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A Mommy Moment

This is going to sound strange, not being a mommy but having a “mommy moment”; it sounds strange to me too! So, let me take you back a few years so I can explain.

When my nephew was 2 years old (he’s now 10), I offered to babysit him one day a week so I could develop a relationship with him. I’d missed out on doing this with the previous 5 nieces and nephews to a large extent so I didn’t want to miss out on this one. This little boy had already captured my heart but I wanted more. Well, I’ll tell you, I got more! He has always been very intelligent, not to mention that he was TWO. You mommies all know what that means, right?

You moms are all going to laugh, because although I’m the eldest of six children and very capable of diaper changing and feeding, I had no idea what to actually “do” with him all day. I kept thinking how do women get anything done when they have children around? That first day I was wiped out tired when his parents picked him up because I just assumed that a toddler needed constant entertaining.

We played with his toys which took up about 10 minutes, went outside to look at plants and tell him the names of flowers, and my golden retriever joined in but that took maybe another 15 minutes. I had only 6 ½ hours to go! The diaper changing took up a bit of time (I was rusty), and meal time was interesting trying to understand what he did and didn’t like – I was fooled. Then I decided, well I need a moment to rest, I’ll play some music! That was the key to a very enjoyable summer of learning to interact with my nephew and develop our own special relationship.

One of the first things I did was shorten the hours I had him with me! I wanted to get to know him, NOT become a surrogate mom. We finally got a routine down where we listened to music and danced together. It was such great fun and we both laughed and enjoyed that. I participated with his parents in the potty training phase – something I don’t feel the need to do again but was a good lesson for me to learn. I learned he liked “macky cheese” for lunch and of course, since I am auntie, he got special chocolate snacks too. That made nap time even more difficult since he wasn’t ever and still isn’t the napping sort. How could anyone nap with all that sugar in them anyway??

Our relationship grew and grew as that wonderful summer progressed. He was a great little helper, and even helped me clean my refrigerator one day. My dog was used to being my baby and he was jealous but ever the tolerant golden. I taught my nephew how to dance, which was fun and we played lots of boy tumbling games – I’m a tomboy myself so it worked. Since it was summer I joined him at my mom’s one day a week too. He always wanted to swim with mostly me, much to his parents chagrin. To this day, Thursdays are my swimming days with him and now his sister too. I guess he brought out the kid in me! You may be wondering where is that “mommy moment”, so here it comes.

On one of our “days” together, my husband and I were in the kitchen talking. My husband was working a swing type shift for the US Postal Service back then and hadn’t left for work yet. “Macky cheese” was cooking on the stove, not yet ready for my nephew to do his part of adding the cheese and stirring, the stereo was blaring in the background, my dog was trucking around keeping an eye on my nephew. My nephew was skipping around in a circle nearby making toddler noises.

Then it happened – the “mommy moment”. I stopped talking to my husband to look at my nephew and sort of chuckle at his toddler singing noises, and looked around in a sort of daze, thinking, “This is a mommy moment!” This is what moms do all day and never think twice about it in order to keep their sanity and their selves intact. My nephew had blended into my life almost so seamlessly, that I had become comfortable with the routine and noises while keeping an ever vigilant eye open for him and yet continuing on in my daily chores.

This is what all you moms do daily, twenty-four hours a day, seven days a week! All I can say is, with much ado, you are all phenomenal women, all of you! God has gifted you with such a tremendous gift of motherhood and with that gift comes a tremendous responsibility.
You fix the “boo boos”, change the diapers, are chauffeur, chef, arbitration expert, financial wizard, stain masters, and so much, much more! Moms, you have all the skills required to run conglomerates just by what is required to be a mom. Remember that during the struggles that inevitably ensue, and grab one of those “mommy moments” from your treasure box to get you through. I do, and I’m not even a mom.

“Listen my son, accept what I say, and the years of your life will be many. I guide you in the way of wisdom and lead you along straight paths. When you walk, your steps will not be hampered; when you run, you will not stumble. Hold onto instruction, do not let it go; guard it well, for it is your life.” Proverbs 4: 10 – 13, NIV.
Let’s not forget Proverbs 31 either!

Kim Bloomer operates a home business in wellness, Aspenbloom . She is also publisher of a pet wellness channel, Aspenbloom-WellPet. Kim is co-founder of channel KTEH, an online marketing advertising co-op. Go to []for an “all inclusive” look.

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Consider the Alternative

When I was working in Palm Springs, California, last week, a taxi driver named Joe related a humorous experience that really got me thinking. He told me about a man who got into his cab about 1:00 P.M. and began to instruct him to go here and there. When he would arrive at the destination, the man would simply sit in the cab, meter running.

After a couple of hours, Joe told him, “You’ve run up 80 dollars on the meter. I’ll have to get some money from you if you’re going to keep this cab.” Without hesitation, the man shelled out 150 dollars.

As the day went on, the man began to share with his cab driver that it was important they keep moving, as the CIA was following them. His story became even more bizarre as the day went on.
Finally, at around 9:00, Joe received the instructions to deliver the man to his own apartment. As he received the payment of 425 dollars more, Joe commented, “This was a quite expensive day for you, wasn’t it?”

“Oh, no, not at all!” he replied. “I was scheduled to go to a lawyer and a shrink today. This was a bargain!”

First, my heart goes out to the passenger whose paranoia kept him on the move like that. However, it struck me that we need to take the time more often to do what he did. When we’re tempted to complain about the inconvenience or discomfort of a situation, maybe we should just consider the alternative.
Consider these examples.

Your teenage daughter isn’t performing the way you think she should in school. When you try to talk with her about it, she seems unconcerned and speaks to you with disrespect. Yes, you are right to be concerned, and you have some real problems to address. But what if you were the mother in my office the other day whose 15-year-old was killed instantly in a head-on with a drunk driver? Consider being thankful that your daughter is with you, warts, potential, and all.

The alarm clock jangles rudely. You groan as you roll over and fumble for it. You worked long hours yesterday, and today doesn’t look much better. Consider the alternative. What if you didn’t have a job that pays your bills and gives you an opportunity to use the talents God has given you?

Do you sometimes get impatient when you can’t buy something you want, when you want it? Do you ever look around you and see others with so much more, feeling sorry for yourself? Stop! Go with me to visit the family I met in the cardboard shack in South Africa. Better, let’s drive a little out of our comfortable, routine routes in our own community. There are folks on our doorsteps who know what it’s like to ration food and savor one meager meal a day. I’ll be most of you are like me. When I don’t get the things I want, I may be inconvenienced, but my life and well-being are not at stake.
The Bible says, “In all things, give thanks.” Not for all things, give thanks, but in all things. One of the ways to do this is to take the time to put your current inconvenience in perspective.

Once I saw a two-frame cartoon that made I still remember years later. A man sitting alone under a tree on a very small island said, “All alone on this deserted island. This is just awful. What could be worse?” Frame two. A flock of gulls approaches. The two lead gulls are conversing: “Henry, the whole flock is terribly sick from eating all those green apples. I see a tree up ahead. Let’s rest there.”

Think you have it bad? Is it really a catastrophe, or is it simply an inconvenience? Most often, it could be so much worse. Consider the alternative!

Dr. Bev Smallwood is a psychologist who has worked with organizations across the globe for over 20 years. Her high-energy, high-content, high-involvement Magnetic Workplaces (r) programs provide dozens of practical strategies and skills that can be put to work immediately to:

    1. build strong leaders who influence and develop others through serving;
    1. energize, motivate, and retain team members;
    1. successfully accomplish important organizational transitions; and
    1. impress customers and build their loyalty.

Review a complete list of her programs available for your convention or corporate meeting at the website,


The Great Pretenders

Here we are in the midst of another political season, and I have to admit I just don’t get it.

We’ve been at this game now for 225 years or so, and this is the best we can do? Let’s face it. Our vaunted two-party system really is doing it right this time. Here we are, trying to kick off a new millennium. But what have we got to show for it? A choice [again] between two guys nobody wants, forcing us to pick the one we dislike least to have any chance of relevance at all in the selection process?

How long have we listened to the talking heads blabber on about how bad our schools have become. When are they going to start looking at the dumbing down of our political system?

It’s not like our Founding Fathers planned it this way.

We started strong enough. Heck, George Washington was so widely admired they wanted to make him king. Good thing Martha knew how to put him in his place, or we’d all be on our knees today.

Then again, maybe we are. Because the powers behind the throne have convinced us to pay homage to the real royalty of today – Lord Buck, the Almighty Dollar. Otherwise, why would we be so impressed by two guys who promise to give us back a little more of our hard-earned dollars, while running around passing it out like flower girls at a wedding?

To top it off, they have the audacity to act like they’re doing us a favor. Some favor.
There they stand, in our faces day in and day out throughout the entire election season, railing about how bad the other one is and talking on all sides of issues they pretty much agree on anyway. To add insult to injury, they think we buy it.

Take Iraq, for instance. King George stands firmly behind his troops as they try to put down an insurgent host. Way behind, probably 5,000 miles or more. Those in his camp conveniently lose count of the body bags so long as they aren’t filled on this side of the ocean.

Prince John, on the other hand, tries to usurp power by crying about how we were duped into a conflict he won’t commit to end. I think he mumbled something about preserving our credibility. And of course, his supporters pretend not to notice he wasn’t opposed to a little muscle-flexing when it started, particularly when the polls showed the rest of us wanted to do a little friendly butt-kicking. And now that we’re tiring of this game, he wants to change dealers without shuffling the deck.

But I sure can’t blame either one. They’re only doing what we pay them to do – stand up there and wave to the cameras, driveling little sound-bites that their media friends dutifully dole out every hour on the hour.

To boot, the political hacks that put them there hate each other so much they can’t wait to stick knives in each others’ backs or poison their drinks. As if there were more than a hair’s difference between them. Lucretia Borgia would be proud.

They’ve put so much effort into spinning their yarns that they’re starting to believe their own rhetoric. Worse, they think we do, too. And maybe we are. Or at least pretend we do, so we don’t have to face the truth.

What a fine mess we’ve gotten ourselves into this time.

It’s not just the war. Nor is it an economy on the brink, where free enterprise means moving jobs offshore so they can afford to charge us the prices we want to pay for stuff we don’t need.

No, it’s much more than that. It’s our great American Dream that’s at stake. The one to which we all cling when we give these so-called leaders blanket authority to run rampant around the world. And ignore the real problems in favor of the window-dressing that gets them elected.

And what do we do about it? We hold our nose at the stink coming from the rotting system we’ve allowed to be put in place, and look winsomely for a place with some fresh air to breathe.

All the while we they keep playing their high-stakes poker games for our future. Where the deck is stacked in favor of one side or the other, trading seats periodically so we can delude ourselves that the system is working. In return, they get to pass the scepter back and forth while we play musical chairs, hoping that we’re not the ones left standing when the music stops. Hiding behind a smokescreen of tradition that we pretend continues to serve us.

Someday, someone will wake up to see that it’s not the Emperor without the clothes. It’s us. But even then, we won’t have to worry. We’ll just have them blow the smoke a little higher. Then again, I don’t know how much higher it can go.

It’s already blowing where the sun doesn’t shine.

Copyright 2004 by John Dennison. John is a voice for those who do not hear or know they have an inner voice. Author of Whispers in the Silence: Living by the Light of Your Soul, he can be reached at or visit him at, home for those who know their own way.

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Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.