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Where Did All The Farmers Go?

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Several times a year, I hear someone complain about the development of farm land in our area. These complainers consider it a crime that so much of our farm land has been converted to housing, business, shopping, etc. They seem to consider the farmers and developers to be criminals.

If you want to know why so many farmers have sold out to developers, allowed the land to grow houses instead of crops and left the farm life that their families enjoyed for generations – read on. Do you know why more and more farms are growing houses, stores and filling stations instead of cows, corn and potatoes? Do you know where the farmers went? Well, my father and I are farmers that left the farm. Most of our neighbors have too. Most of us still live in the area; we just don’t farm any more.

Few people understand the farming they espouse as so charming and worthy. It was long hours, hard work and little or no pay. Most farmers had less money at the end of the year, after expenses, than those who clerked in stores. Some years the earnings were less than costs, too many years in fact where even the best farmers lost money and had to sell land to survive.

Although entire farms were lost in the great depression of the Thirties; in the Seventies, Eighties and Nineties, most farmers had to sell of lots and acreage for homes and development, even though they worked to exhaustion every hour they could and applied every possible correct business practice.

Even the most prosperous farms in Delaware, such as the Townsends with all their tens of thousands of acres, have not retained the younger generations of the Townsend family to work in the agribusiness. Farming is hard work. The hours can be even longer today than 50 years ago, with equipment maintenance, constant seminars on chemicals, land use, improved techniques and hours of record keeping, computer work, reading professional publications, etc. Not only do farmers still need to rise before the sun to tend the land and animals, but they must work into the evening hours on the business techniques and applications.

Profit margins are slimming by the year and not nearly worth the risk according to more and more farmers. There is seldom a farmer’s son or daughter who wants the farm life instead of the shorter hours, reduced stress, far lower risk and far higher pay of urban work and life.

More and more farmers are changing farms into recreational, entertainment and tourist attractions to pay the bills that crops won’t pay. Corn mazes bring in more money and far more profit than harvested corn, shelled corn or corn meal. Dairy farming as entertainment for urban tourists is far more profitable than dairy farming as agriculture.

Blueberry farms are not sustainable in most areas, with rising labor costs, unless they become U-Pick entertainment berry farms, with all manner of fruit pies, blueberry muffins and berry twig Christmas wreaths. You will see more and more farms become entertainment, destination, and recreation farms in years to come – or you will see houses grow on the land instead.

Even many cattle and horse farms sustain themselves by charging people hundreds or thousands of dollars to come shovel manure, castrate bulls, brand calves, or do the cowboy roundups that were once the jobs of people who got paid to do the work.

Dad stopped farming twenty years ago and says he should have stopped ten years before that. He was an award winning farmer and a superb businessman. He usually produced as much on each acre as ordinary farmers did on dozens or even a hundred acres. Dad learned to grow healthy corn with stalks just an inch or so apart when others had the corn one, two, or even three feet apart.

Some of our most productive farm land is now better suited for concerts, “Punkin Chunkin” exhibitions, lacrosse camp, baseball training, model airplane flying and other varied recreational uses for the land where I grew up farming, pulling weeds, driving cattle and riding in rodeos in the off season.

Even Dad’s productivity and his prudent management, did not earn the return farming that any other business had to earn to stay viable. Dad has owned and managed a few dozen other businesses and farming is the only one he had to abandon, although he loved it most. The risks of weather, market forces and government capriciousness have been and continue to be incredibly high.

A farmer producing more and more per acre with each decade is a trend that continues; keeping farm products at the cheapest levels in history. Part of the reason for our wonderful prosperity is that food takes such a small part of anyone’s income now. Fifty years ago, food took about 25% of an average family’s income. A hundred years ago, 50% of an average family’s income often went to food, if they were not farmers themselves. And five hundred years ago, many families could barely eat with the earnings they made. Before that most of what a family did was often based on getting enough food to eat. We have come a long way, with plentiful supplies of fruit, vegetables, protein and all manner of healthy food available for even the most poor usually. We should thank the American farmer for that!

Most of Dad’s land is sold and he has neighbors now; folks who have bought lots or acreage and built nice homes. He continues to buy more land today, but not for farming. The developments of Covey Creek, Cave Colony, Cool Spring Farms, Lazy Lake, Overbrook Shores, Eagle Crest and Cripple Creek are on parts of our farm or on property we bought from neighboring farmers and developed. From the age of about 21, I helped with the sales and marketing of those developments.

There are many other farmers who no longer farm, yet we American Farmers grow far more food than we need on the fewer acres. In fact American farmers grow so much food of all kinds that we export our crops to nearly every other country on earth and still drive prices down with oversupply.

American agribusiness needs less and less acreage to support the growing population of the world. This ever increasing supply of agrifood, far outstrips demand.

Farm prices, to the farmer, are tiny fractions of what they were in any past time. Most of the cost of groceries is due to packaging, advertising and distribution. In dollars adjusted for time; the price of food today, and the money to the farmer, is less than 10% of what it was a hundred years ago.

There is more than enough food to feed every person on earth and make them fat like we Americans are. There are substantial problems with transportation, distribution, and political systems but we could feed, clothe and shelter the world on FAR less acreage than we have in production today.

We even have the silly, actually insane, habit of paying farmers to not farm in our country. We take tax money from everyone, including all farmers, and pay thousands of farmers to not grow crops, animals and trees. I’m personally NOT farming about 500 trillion acres of farm land – I wish the federal government would pay me what they owe me… J

In the late 70s our government climaxed decades of federal laws, policies and financial changes aimed at the decimation and destruction of American farming. Whether the aims were intentional or not is debated. There were interest increases on farm loans from 5% to over 23% on loans that were guaranteed to be fixed rates, during the Seventies, and this devastated the farmer. The federal and state governments, during this same time, added highway taxes to fuels for the tractors, combines and irrigation pumps – to help keep the price of automobile gas lower. Diesel fuel to the farmer was 12 cents in early 1976 and was pushed to $1.35 by the end of the year with government taxes and policies.

This sudden increase of roughly a thousand percent in fuel costs was not any concern to our car driving public or the politicians – after all the farmers are not a major power at the polls and are too independent to organize. Interest rates on home mortgages stayed the same, but rates on farms and farmers homes and equipment went up by the week and month. You may remember Willey Nelson’s Farm Aide programs, in the Eighties, which still exist, and that were designed to help keep some family farms from bankruptcy.

As far as the evils of development here in the Delaware beach area: Usually those who are most outspokenly opposed to development are usually those who have greatly gained from it financially. These objectors are enjoying the fruits of our economy as newcomers or they are at times members of the old guard whose properties have multiplied in value as a result of prosperity brought to us by the purchases, expenditures, and contributions made possible by those other newcomers and tourists, who’ve come to visit or join us. Many objectors have retired here with money from urban jobs or have jobs here in some tourist related or supported business or live in homes that are only possible because of the developments they scream against.

Some anti-development folks feel the farmers OWE them the land to use and view freely and without responsibility. I see that all the time. In fact there are some people who trespass on farmer’s land to hunt, exercise their dogs, dig up plants, pick produce, play, or anything else they want to do as though it’s public property.

Some don’t see anything wrong with trespassing, even after being told not to do so. There are many people who want others to NOT use the land they own or use it in a certain way for the public good – while taking only the responsibility to loudly object not usually to help come up with energy, work or money to retain or regain what they love. Some people just demand the free and irresponsible enjoyment of the fruits of others labors and risks.

Requiring a person use his personal property, or not use it according to the wishes of others is a form of trespassing, a form of Communist Theory, everything belongs to everyone thinking. And, yes most of those whose objections are loudest are Marxists in fact or at heart. Most will admit that in private when there is no fear of exposure. Marxism hasn’t worked anywhere. Russia is now a free market while we are taking on the unworkable principles of socialism that decimated her.

Farmers bought land and equipment, most often with borrowed money, to feed the world – feed the world being the cry of the socialistic democracy then and now. However, that contract our government made with the USSR, China and parts of Europe was violated as a political lever, after the farmers had grown the crops and bought new equipment, with long term loans. There was no place to sell the crops and nothing profitable to do with the land. The federal government seemed to purposely push our independent farmers into the abyss of bankruptcy. Then outspoken non-farmers – so called environmentalists, encouraged all sorts of additional actions and policies to bring down the farming community all over this nation, and they still do. These are the same socialist democrats that want to feed the world free and stop the farmers from developing the land into homes and businesses. These same socialist democrats that hate all that farmers can do want the farmers to keep the farms so they can see the pretty rows of crops and spacious expanses of well kept land.

Getting back to the orchestrated annihilation of American farmers; they had to borrow money to stay in business, some of them for the first time and the loans were first emergency government sponsored loans supported by tax dollars at 3-6% for farm credit and production loans. Some loans even began at 1-2% for putting in soybeans, corn and wheat and the purchase of the expensive harvesting and storage equipment. The prices again forced up to sky high levels for these crops on the futures market as we had contracted to feed the world for decades and the world wanted to be fed more than we could produce.

The Feds then stepped in and increased the interest on the fixed interest farm loans a step at a time (just as they were doing the residential loans for homes) very quickly, over less than two years the rates went from less than 7% to 28% — some even peaked at 32%. Farmers had obtained loans for up to 33 years at rates as low as 2% and they were going up in rate by sometimes 3% per month. The loans had been made at fixed rates. Many of the loans had annual payments tied to crop harvest sales and incomes. The predicted incomes were down to nothing. Many farmers just left the crops in the field as the harvested value was less than the cost of harvest. So as the fixed loan rules where changed and the loans increased by the week at times, in violation of the banking contracts. The farm prices plummeted as a result of the violations of our contracts with other nations to feed them.

Remember the late 60s and then the deadly 70s and the bankrupting of farmers across this country. Remember Willie Nelson and his Farm Aid music concerts to try and help the farmers, in the final days and weeks. Farmers across the country took other jobs, sold the edges of their farms as lots, sold less productive farms to developers or became developers in some cases. In too many cases they just quietly went out of business and the farms went fallow.

Simultaneously, there were no farm jobs to be had, the farms had become mechanized as every farmer was struggling to stay in business, labor was replaced with low-labor crops and we were stuck with the growing of these crops. People who had owned land for generations no longer had any farmers who wanted to rent the land at worthwhile prices. Some went to share cropping and found that half of the proceeds were nothing and didn’t pay the land tax. There went most of the potato, tomato, carrot, beet, sweet corn, pea, lima bean, radish, squash, pumpkin, blueberry, strawberry, fig, peach, apple, cherry, asparagus, beef, goat, dairy, hog and alfalfa farms we knew. There went about 70% of the farmers.

Larger farmers became hyper-productive, specialized in one low labor crop or two, became more mechanized, cleared the trees from every available acre, planted the crops closer together, used more fertilizer and insecticides and got into other businesses to try to get more productivity from every acre and raise outside income. Migrant laborers to help on the farms disappeared. Some stayed for a while in the canneries and then the canneries were closed. The ones that stayed open till the last did so by not paying the bills even if the cannery was inherited debt free.

Some farmers became insurance agents, bankers, liquor store owners, Amway salesmen, mechanics, tractor salesmen, stock brokers, politicians, teachers, etc. to help support the farm. Many signed the criminally one-sided chicken contracts with Perdue – there was nothing else they could do and keep the farm. They had to make changes whether they liked it or not. Farm kids went to the city for jobs. Little stores and in some cases little towns closed as less people lived on the few farms that remained.

Some places stayed alive such as this area. Muskrat trapping on the thousands of acres between Rehoboth and Fenwick Island that Phil and Ruddy had trapped for years was no longer profitable. The farms on Rt. One were no longer possible as the huge new equipment gradually couldn’t be moved easily on the ever more crowded roads.

More city folks, many of whom had grown up in rural areas and had to move to the city for jobs and income, needed some space, to get away from it all, and many chose this area. They still do. Some wanted to stay here, they still do. I have sold real estate in areas where development did not occur. I’ve seen towns closed, several of them, in western Virginia, West Virginia, Kentucky, Tennessee, Ohio, etc. I’ve seen millions of acres of farm and pasture land go unkept and grow up in first weeds and briars and then volunteer juniper and cedar; some of it on Rt. One.

I’ve seen land values for farm land go from auction sales of $7,000 per acre in large farms right before the grain embargo to China and Russia to less than $1,400 a couple of years later. Some farmers, many farmers sold off lots or entire farms to stay afloat. I’ve seen 686 acres of rich river bed, bottom land, fertile ground that was sold for $300 an acre just after the Civil War, be sold again in the late 70s for $700 an acre – the loss in real dollars as they say, about 90% of value. The reason, farming the bottom lands of riverbed soil in West Virginia was no longer profitable. And no farmer would buy the land. I sold it to a city fellow as a retreat. He sold it again as there was no way he could leave the city and come to his retreat and earn a living anywhere near there. Another fellow bought it and developed it for those who wanted smaller acreage, along the river to vacation, hunt and fish.

You see, no one could make a living here in farming. Remember all the dairy farms that used to dot the county? Remember the vegetable farms and orchards and hay farms? You may know the owners. Most of them had to become developers or sell off the land. There are few farms left here for economic reasons. The Hopkins still have the dairy farm because tax dollars paid them top development value price for the farms and let them keep them for dairy operation, so tourists can drive by a dairy farm.

The Townsend’s are selling off the hundreds of thousands of acres they have a few thousand at a time, because no one in the family is willing to take the risks and threats of being a farmer anymore. They sold the chicken plant because of similar risks and threats. Chicken farms, that last hope of farmers, are failing by the day. If they are close enough to where people want to live they are being developed too. If not, they are being abandoned. It won’t be long and the chicken farms will join the dairy farms as abandoned property.

Now a lot of people want to stop the development of land. Some want to have a quiet peaceful place to live with no tourists. There are places like that and there is no one there. No one is coming there. No one is going to go there. There are no messy commercial establishments. There are no establishments at all. There are no newcomers, in fact, as one man told me. We had a guy who came here and didn’t get along well with others. We fed him to the hogs. Want some bacon, it’s tasty. And they smile a toothless grin. They had no money for dentistry either.

We finally found, over the years since farming came at risk, a multi-position income base. We have tourism, entertainment such as dining, listening to music, drinking and socializing with others for dating reasons — and retirement. They, who come here, want to be here. The farmers don’t want to fight the urban viewpoints and can’t fight the economics for the most part.

If you want to fight development; then there are ways to prevent it. There are some GREAT deals in Ghana, Slovakia and Guiana right now. Great open spaces. Cheap properties abound. Often there are lots of trees with no one wanting to cut them. There is not likely a Wal-Mart there or an Outlet Center. There are great rural people with rural lifestyles still there and many want American Dollars to come and will sell out cheap. If you own a home that has gone up in value from $5,000 or so during the early 60s to a couple of hundred thousand now, or your family does; now is a great time to sell out, move out and recapture the life and lifestyle of our youth. But, that takes risk, management, hard work, long hours, investment, income to pay for the investments, and all those nasty things. Slovakia is ready. And they sometimes speak better American and are more well educated than most of us. Doctors are cheap; many make only $400 a month. So health care is cheap. Meat is cheap – you just have to hunt or buy from a hunter. Vegetable products are cheap too, some are even farmed, many are just growing wild and ready for the harvesting. And they are rife with nice healthy bugs and mold and fungus – not messed up with chemicals. Wanna go?

There are several dozen Slovaks living here for another few weeks and all but one I’ve spoken to are planning to come back as soon as they can get here. They are making more money than they’ve ever seen before – spraying vegetables and opening boxes at Food Lion here on Rt. 24. The bounty of that dirty capitalist super market, Food Lion, in that Edgehill Shopping Center commercial development that Stan fought the anti-developers to put there, is intoxicating to them. They’ll never be the same. They ride bikes from Milton where they room together to the Food Lion to work. They are happy for the opportunity we have here and hope to be able to return in most cases. Some hope to go back to Slovakia and do what they’ve learned here. So hurry, some of them may become developers in Slovakia. They all have commented to me that they can save lots of money while here because food takes so little of what they earn, compared to what it takes back home! And all that in an area where “all the farms are gone and developers have taken over.” J

Take care,

Copyright www.JodyHudson.com

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Forex Broker Admiral Markets Review

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Why You Should Consider A Forex White Label Solution
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Founded in 2001, Admiral Markets is a reliable broker, with market leadership and a modern and simple trading experience for its users. Admiral Markets is a globally recognized broker, with a large number of Australian and international clients, flexible trading account types, competitive trading conditions and comprehensive educational materials, they are an attractive choice for both novice and experienced traders. Admiral Markets has a close relationship with MetaQuotes software, which is the developer of the platform that is now the most recognized in the Forex industry, namely MetaTrader. This relationship allows Admiral Markets to build its own custom version for the platform, namely the MetaTrader Supreme Edition, which is compatible with both MT4 and MT5.

In addition, most Admiral Markets accounts get free access to the Trading Central feature—which provides independent market information and technical analysis—and they also trade cryptocurrencies with this company which is among the most lucrative among Forex brokers. Admiral Markets has put a lot of effort into helping novice traders start trading by publishing a myriad of educational articles, guides and webinars. For clients seeking active support, the MetaTrader Supreme Edition software provides users with chart analysis of Trading Central and analyst recommendations.

Admiral markets reviews are many and varied. These materials are divided into several sections, including structured courses, basic knowledge, and reviews on risk management and webinars that are often held. Admiral Markets provides free and structured Forex and CFD trading material called Forex 101. It is specially designed to teach beginners how to trade. This material contains nine chapters divided into beginner, intermediate and advanced stages, all taught by professional traders. This material covers everything in trading, from how to set up MT4 to how to manage risk. This material is a very useful resource for novice traders.

In order for a client to trade on the admiral market site, he must have an account which you can get by registering for it. Admiral Markets has three different accounts according to usage or experience. When used, we have demo accounts and experience, are under retail or professional requirements. Below, we have admiral, prime admiral, mt5 admiral, and invest admiral market trading accounts. Account designed for new clients with no experience at all in trading. Most of the clients who choose this account do not want to risk their funds until they are convinced of the concept. This account will allow clients to learn the basics in no time due to the use of real trading conditions.
Please visit best forex broker uk for more information about admiral markets review.

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Benefits of Bing and Yahoo Pay Per Click

Avatar Of Rajesh Khanna

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With today’s very competitive online marketing, it is important that a business creates a strong marketing effort to build qualified traffic to their website. Pay per click marketing is one great way of advertising on the Internet. It can bring a steady flow of traffic that can result to potential leads and new sales. Over the years, it has been proven profitable, especially if the business is targeting a segment of audience. Adding Bing and Yahoo to your Google pay per click marketing is worth considering.

Pay per click campaign is based on keyword selection specifically designed to revolve around search terms that are relevant for the site. They are normally the ads that show up at the top and right corner of a search page. Generally, search engines do not charge when displaying these ads, but when a visitor clicks on the ad or the link which lands back to the business’ site, only then, is the advertiser charged.

All throughout the pay per click marketing world, Google is leading all other search engines with their 67% market share. However, what most advertisers do not realize is that with the growing amount of traffic on Google, also comes a number of competitors, still making it hard to hit on search result targets.

So, what is the alternative? Over the last couple of years, Bing and Yahoo pay per click have emerged as Google’s number one competitor. Although, Yahoo’s market share only comes up to 11.6% and Bing’s to 16.7%. When combined, they total of over 30% and this can still make a dent with Google’s share. And for any advertisers who overlooks these numbers could be ignoring a large population of potential customers.

Other advantages of Bing and Yahoo pay per click, include:

  • Pay per click with Bing and Yahoo does not cost as much as with Google. – Many advertisers say that taking Google as their host for paid search is a complete campaign suicide, mainly because of their high costs. Relevant keywords being bid with Bing and Yahoo do not cost as much as $2 to $5 per click as with Google. For instance, one of the most expensive keywords in Google includes “insurance,” “loans,” “mortgage,” “trading,” which usually ranges from $30 to $50 per click. So, if you run a business about loans and need to bid on “house loans” keyword, a business can pay as much as $3500 a month for that particular keyword alone with Google. However, Bing and Yahoo give much more reasonable prices. They have the lowest cost per click, even with the most expensive keywords in AdWords that normally ranges from $0.10 to $2, but still lands in the first pages. More so, they offer long-tail keywords of four or more words, but still at a very reasonable price bid.
  • Bing and Yahoo have demographic advantages. – Although recently, Bing removed their feature to target ads by gender and age as they say they improve it to become more accurate. Bing and Yahoo still have a statistical advantage because 58% of their users are women, and their audiences are from an age group of 35-45 and 55-64, which are definite age groups that can afford to buy as much in the Internet. Furthermore, this is probably because Bing is owned by Microsoft, and they normally put default web browsers that come with the computer a user has bought, not unless of course, if they are tech savvy and knows how to change web search engines in their computers.
  • Bing and Yahoo allow their users to import campaigns from Google – most advertisers admit that they are always having a hard time running separate campaigns in Google, and with Bing and Yahoo as they do their best to update each. Now, AdCenter with Bing and Yahoo allows users to import their campaign from AdWords with Google, without even exporting a single file. This is perfect for advertisers who do not want to spend time editing, exporting, and re-uploading spreadsheets from one account to another.
  • Bing and Yahoo pay per click does not run on Internet Explorer alone – Recently, many adCenter users of Bing and Yahoo requested to expand their service outside Internet Explorer. Now, pay per click may also be run through Mac and Chrome users, including all other web browsers.
  • Bing and Yahoo for mobile – paid search through Bing and Yahoo is made easy as they launched Bing on mobile devices through WAP or GPRS connections. Not only will users enjoy “Find My Location,” applications, as well as driving directions and maps, but they will also be able to search for new information through their smart phones, and this means that pay per click campaigns will reach a much wider audience.
  • Bing and Yahoo have representatives to talk to for free, 24/7. – Microsoft has dedicated customer representatives who are specifically assigned to help Bing and Yahoo AdCenter users, even those that are starting with their Bing and Yahoo ads. They have a range of topics that they can help with, from starting up, to billing, managing campaigns, editorial questions, and campaign reports. In fact, they are even open to suggestions and comments, which is the main reason why Microsoft brought about the freedom for users to use their Bing pay per click campaign on other web browsers. More so, these representatives are always active in social media, so it could be easy to reach them in Twitter or Facebook.
  • Cross-Platform Analytic Reports – With Bing and Yahoo’s adCenter report, it becomes easy for users to compare keyword performance for their pay per click campaign with other search engines, so that they can make the most of their budget.
  • Potentially Better Return of Investments – any pay per click campaign is useless if it does not get positive results. Numerous advertisers have vouched that adCenter pay per click campaigns through Bing and Yahoo drove more traffic than keywords run with AdWords of Google, which significantly gives a better return on investment.

Even with the 67% market share of Google, if combined with costly prices for their pay per click campaign, and with their other seemingly flaws, Bing and Yahoo still strike as a better alternative to Google, and as they make a dent to Google’s ad campaign, soon more and more advertisers will realize the benefits and power of what Bing and Yahoo can offer with the increase of their sales and rapid growth of their business.

Additional Resources

  • Pay Per Click on Bing
  • Pay Per Click on Google
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Top Three Attributes of the Car Accident Lawyer You Should Retain

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Car accidents, including motorcycle and truck accidents, are serious business. They happen every day and, even if you’re the safest driver in the world, they can still happen to you. If you suffer serious injuries from a car, motorcycle, or truck accident, it is vital that you first speak to a car accident lawyer before you reach any settlement with the insurance company, which would like nothing more than to pay you the least amount possible. However, choosing the right lawyer is not as simple as the decision to consult with one. Here are the top three attributes that you should look for in a prospective car accident lawyer to retain.

Expert

One of the most critical attributes to look for in a prospective auto injury lawyer is whether he or she actually specializes in car, motorcycle, and truck accident law. As an injured accident victim, you will be relying on lawyer you retain to maximize your recovery from the insurance company. Do yourself a big favor and make sure you retain a lawyer who specializes exclusively in representing auto accident victims.

There are many attorneys in each state practicing personal injury law. However, personal injury law can cover a wide-range of injuries. You don’t want a personal injury lawyer that handles a wide variety of personal injury lawsuits. You want a lawyer that specializes exclusively in car, motorcycle and truck accident law; someone who day-to-day represents auto accident victims.

For example, if needed heart sugary, would you want a general surgeon operating on you or a heart surgeon? Retain a lawyer specializing in representing auto accident victims. This can make a significant difference in how much you recover from the insurance company. You do not have to worry about expert auto lawyers being too expensive for you, because they generally do not charge hourly fees but, rather, a contingency fee.

Experience

The second most critical attribute to look for in a prospective car injury lawyer is his or her experience level. It’s not just a matter of being an experienced lawyer, you want an attorney who is very experienced in representing auto accident injury victims.

Following a car accident, the injuries you sustain may change your life drastically. Now is not the time to put your life and the way you are able to lead it in the hands of a rookie. Try to find a car accident attorney with at least five years of experience, ideally someone with experience representing car accident victims against the same insurance company. Consult with a seasoned lawyer who has many years of experience going up against the insurance companies.

However, it’s not just a matter of experience in car accident law. You want an attorney with years of trial experience, because your case may require going to trial.

Success

Finally, when considering a prospective car accident lawyer, you want to make sure he or she has been successful in the past and in the present. There is no point selecting a specialized lawyer with years of experience if he or she has not been successful against the auto insurance companies. It should not be difficult finding out how successful your prospective car lawyer is in representing auto accident injury victims. Just ask! If he or she has a proven track record of success, they will tell you and give you examples. Ideally, they will have been successful for past clients with similar injuries that you have sustained in the car accident.

In the end, you want a car accident lawyer who is an expert, experienced, and successful with respect to auto accident law in your state. Do not settle for anything less. There is absolutely no reason why you would need to.

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Sales Force Automation Software: Business Need

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Sales Force Automation Software was a major challenge before some decades that is successfully superseded by our techno-giants. The entire business community was longing for a system that could control; and monitor the track of sales and marketing activities. Things were getting tougher for an executive or an entrepreneur to manually handle the entire sales process and organizational activities. Moreover, the interaction with the clients was worsened. The answer to all those worries came in the form of this Software.

Streamlines Sales tasks

Sales Force Automation Software basically is another name for Customer Relationship Management Software. Its prime motto is to provide one-to-one interaction of organization executives with their customers. The primitive form of this Software was just for maintaining contacts. But rapid advancement of technology and rigorous endeavors from the technocrats has made it capable of overpowering the entire sales stage.

Online Sales Software handles all the sales tasks easily and gives you accurate sales reports on time. It is easy to use software which fulfills all the needs of the organization. It saves the precious time of the sales team and sales managers.

Web Based Technology

Online CRM Software encompasses cloud computing technology to perform the sales force automation. From Cloud Computing, we basically mean data to be stored in servers that are remotely located and are connected through network. Cloud Computing uses the SaaS module to provide this technology. SaaS stands for Software-As-A-Service. That means, the software needs not to be installed at the client’s computer. It is hosted from a remote server and its complete package can be accessed from there itself.

This Software has sorted out most of the problems faced by the entrepreneurs handling small to big organizations. Its easy usability, portability and anywhere operable flexibility have proved its worth over the previously launched hosted application.

Some Benefits of Online CRM Software over the premise hosted software are:

1) Premise hosted need to be installed to a computer. Thus it gets system specific. You can’t avail the software once you change the software. It can be used anywhere and at anytime, you can access the software any time you required.

2) Online CRM Softwares are cost effective. Whereas premise hosted software are much costlier than that.

3) There is a lot of extra IT infrastructure needed to successfully run premise hosted application. Whereas online application provide all kinds of functional service on a remote access basis.

4) The entire data load in case of premise hosted is upon your system. So, any time, there are chances of data crash and hardware failure. While in case of cloud computing, entire data load is upon the server. So your system is always safe from the impending dangers.

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Addition To The Control of Asbestos Regulations 2006 Proposed By HSE

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It was only in 1983 that Asbestos (Licencing) Regulations introduced the requirement for companies or individuals working with asbestos coating or asbestos insulation products to possess a Health and Safety Executive (HSE) licence.

Another twenty years elapsed before the 2003 Regulations instructed that the relevant authority must be notified of the details to any asbestos work which required a license, at least 14 days prior to the commencement of work. The Control of Asbestos Regulations, 2006 unified all previous prohibition and licencing regulations into one comprehensive reference document.

Following correspondence with the European Commission, the HSE is presently in consultation on plans to once again modify aspects of the 2006 Regulations. The aim is to more accurately reflect current levels of health risk concerns to companies and organisations who come into working contact with chrysotile white asbestos, estimated to be still present in a half a million premises around the UK.

Despite the continuing asbestos awareness campaigns of HSE, inconsistency of working knowledge and methods by construction firms and premises owners to the necessary actions required when first inspecting site building, encountering, containing and disposing of asbestos material.

Despite being banned from the 1980s onwards, white asbestos continued to be used in insulating materials such as wall board, wall coatings and cement products found in a wide variety of commercial and domestic building applications.

Currently, there are two existing categories of asbestos work:

1. Licensed asbestos work

2. Non-Licensed asbestos work

Currently, non-licensed work is exempt from requirements to:

– Notify work with asbestos to the relevant enforcing authority

– Carry out medical (respiratory) examinations

– Maintain registers of work (health records)

– Hold an asbestos licence

– Have arrangements to deal with accidents, incidents and emergencies

– Designate asbestos areas

While the licensed asbestos work category remains unchanged, HSE propose to modify non-licensed asbestos work by introducing additional measures for short duration exposure to ‘friable’ ( fragile and disintegrating) or ‘damaged or degraded’ asbestos. A new category of asbestos work is to be introduced in addition to the two existing categories.

3. Notifiable Non-Licensed Work (NNLW).

Work under this new category will be exempt from requirements to:

– Hold an asbestos licence.

– Have arrangements for accidents, incidents and emergencies.

– Designate asbestos areas.

However, work under the new category will require employers to:

– Notify their work with asbestos to the “relevant enforcing authority”.

– Carry out medical (respiratory) examinations.

– Maintain registers of work (health records).

HSE propose that requirements for notifying work with asbestos, health records and medical surveillance will not apply where:

a) Exposure of employees to asbestos is sporadic and of low intensity.

b) It is clear from the risk assessment that the exposure of any employee to asbestos will not exceed the control limitwhere the work involves –

(i) Short, non-continuous maintenance activities in which only non-friable materials are handled.

(ii) Removal without deterioration of non-degraded materials in which the asbestos fibres are firmly bonded in a matrix.

(iii) Encapsulation/sealing of asbestos-containing materials which are in good condition.

(iv) Air monitoring/control, and the collection /analysis of samples to confirm whether a material contains asbestos.

Existing regulations do not specifically require the asbestos to be ‘non-friable’ or ‘non-degraded’ and the European Commission also seems to require a respiratory examination of industry personnel every three years due to uncertainty of not will knowing if there has been an encounter with asbestos in ‘notifiable’ situations.

Throughout the twentieth century and right up until the present day, dangers of asbestos exposure were continually ignored by building trade personnel or building owners. As a result, joiners, plasterers, plumbers, electricians and other operatives would be constantly at fatal risk of inhaling deadly asbestos fibre dust, which remains permanently embedded within the linings of the lungs and would develop into asbestosis disease or the malignant incurable cancer, mesothelioma.

The first asbestosis symptoms would not appear until some 15 to 50 years later, often at an advanced stage when prognosis would be between 4 to 18 months.

In the UK, the number of deaths from mesothelioma has risen to 2, 250 in 2008 and over 2,000 diagnosed cases are recorded each year.

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Outsourcing Your Plastic Surgery Marketing

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As a plastic surgeon you set yourself apart from other doctors. Every day you prove your expertise and skill by sculpting and shaping clients into the people they want to be. That is why it is a good idea for you to do what you do best and let marketing experts do what they do best. Hire a professional plastic surgery marketing team and let them increase your client base.

What an SEO Professional Can Do For You

An internet marketer is skilled at optimizing your website for higher search engine ranking. The whole idea behind marketing is being seen and a professional knows how to get you seen better than anyone. He has spent years creating ways to grab the attention of the consumer. Just as you have spent years perfecting your skills.

It would take you just as long to learn how to successfully market your business. You didn’t learn how to be a plastic surgeon just by watching the techniques on television or by reading a few books. You learned hands on with the guidance of a professional. A marketing expert learned in much the same way.

Don’t Try to Do Everything

When you try to do everything on your own you end up stressing out and making mistakes. A few plastic surgery marketing mistakes can cost you quite a few clients. But, if your stress causes mistakes in your practice, then you are really in trouble. You could even lose your license. Outsourcing your marketing strategies takes away all of that stress.

A marketing expert can create a social media marketing campaign, an email campaign, create online videos and a slew of other effective promotional techniques to get your name out on the internet and a high search engine ranking. An SEO expert knows how reach a targeted audience that have already shown an interest in having plastic surgery.

Another good reason for hiring a professional is that the industry is constantly evolving. Once you think you know everything about plastic surgery marketing, things change. The techniques that worked yesterday may not work today. A professional marketer stays on top these changes and changes with them.

People like getting instant answers and that is what Google is all about. They just type in what they are looking for and in an instant they see over a hundred thousands results. If your website is down near the one hundred thousand mark, no will click on your link. If you are in the top five, you will have much more success. A marketing expert can get you into that top five.

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