Finding Parallels Between Businesses and Life

Dealing with a Bad Faith Insurance Claim

Insurance is intended for the protection of policyholders who find themselves in a relatively expensive accident. These expenses may include auto damages or injuries to one or all parties. If you are rear-ended, for instance, your vehicle will be damaged, and you could be injured as well. The insurance company of the responsible party must provide financial compensation for the treatment of your injuries, as well as for the repairs to your vehicle.

However, whether or not certain expenses are covered will depend on your policy as well as the details surrounding the mishap. If you are at fault to a certain extent, the insurance company of the other party may not pay for your damages and/or injuries.

Though a contract demands that insurance companies compensate policyholders for accident damages that are in line with the terms of the contract, some insurers will not honor their own requirements by refusing to pay make payment, whether in part or in full. When this happens, people are often unsure about their next steps, knowing that insurance companies are often in a strong bargaining position due of their size and complex rules.

A bad faith insurance claim is in sight if the insurance firm:
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> interprets contract terms unreasonably;
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> deliberately stalls payments;.

> avoids a settlement;

> doesn’t reimburse the full expenses of the policyholder; and

> doesn’t even process the claim.

If you have been denied by your insurer reimbursement for damages, there are a lot of options you can take. First off, file an appeal of the decision. Most firms only offer a restricted time for this, so make sure that you know all the important deadlines. Second, you should prove that the company did not recognize your rights by junking your claim down for unjustifiable reasons as per your.

Dealing with a bad faith insurance claim for any kind of accident can be an intimidating and puzzling process. When you sustain a personal injury, it can lead to lifelong debilitation and even a disruption of to your capacity to work. Hence, you need to consider consulting a personal injury lawyer who can help you obtain the financial compensation you deserve.

In America, the general rule of law is for every party to pay for their own attorneys’ fees, called “The American Rule,” which is unique from the English Law where only the responsible party is going to pay for both sides’ fees.

However, in specific states, they have created exceptions to the American Rule, one of which says that the wronged party’s award will include the attorneys’ fees. These exceptions exist in at least three states – New York, Utah and Pennsylvania. Again, an experienced lawyer can tell you if attorneys’ fees can be paid as part of the award in your state or not.

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Insurance Bad Faith Lawyers: Who Are They?

People often rely on their insurance if something might happen. Whether it is medical insurance or a car insurance after involved in a serious car crash, or you just discovered that you have a serious illness or an injury. An individual pay his or her premium every month not because he enjoys paying it but rather is more like their savings that if ever something might happen they will be able to get compensation out from their insurance company.

Sad to say, there are some insurance companies who look for ways and even excuse on not to pay the honest customer who have been paying them every single month for nothing. Whenever an insurance company try to make its way out on what is written in the contract, then the insurance company is making an insurance bad faith.

Insurance bad faith is a legal term that describes a tort claim that a policyholder have against the insurance company due to committing bad acts. In the US alone, these insurance companies owe a duty of having good faith while dealing fairly with the people that have been insured by their company. This duty is intended every time a customer enters into a form of contract. If the insurance company breaks this duty, they are be sued by the client as well as breaching their contract claims. Insurance companies can be sued for its civil wrong doings and in addition to the fact that they were not able to uphold their part of the bargain.
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Insurance company at the end of the day will have to pay more than that of the original face value of the policy due to the damages incurred by the policyholder.
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Every type of insurance has the duty to its policy holders as well as honor the agreements. Finding small loopholes in the contract just to sneak their way out of the contract, then the insurance company is upholding it duty is a bad faith. Insurance companies are sued if they practice bad faith.

The most common insurance companies who are often sued for practicing bad faith are; life insurance, long term disability insurance, health insurance and auto insurance.

As soon as the insurance company have unreasonable delays, denies your payments of you claims, then you need to seek the help of an insurance bad faith lawyer where he or she will be able to assist you in pursuing your financial compensation that you deserve.

If your insurance company is practicing the act of bad faith then they are liable for the value of the insurance contract. When your insurance company does not live up to the agreement of your terms, then they are liable to pay for both emotional and financial distress they have caused to the policyholder.

Troubleshooting Webcam Problems

webcamBroadband internet brings people many conveniences, one of which is shortening the distance between people who are far away from each other by using their webcams for video chatting and online meetings. But doubtlessly these camera devices also would expose many problems when using. Here I will talk about some troubleshooting tips on webcam problems.

Common webcam problems contain that PC camera is non-responsive; images are blur or even no images; you might actually get an error message or will not be able to choose the camera as the video source in your program, etc.

However, before fixing your webcam problems, make sure you know well how to use this device. You can refer to the manual and all documentation that came with it. Then we begin to locate the problems.

Broadband internet brings people many conveniences, one of which is shortening the distance between people who are far away from each other by using their webcams for video chatting and online meetings. But doubtlessly these camera devices also would expose many problems when using. Here I will talk about some troubleshooting tips on webcam problems.

Common webcam problems contain that PC camera is non-responsive; images are blur or even no images; you might actually get an error message or will not be able to choose the camera as the video source in your program, etc.

However, before fixing your webcam problems, make sure you know well how to use this device. You can refer to the manual and all documentation that came with it. Then we begin to locate the problems.

Step 1 – Check whether the connection between your webcam and computer is active or not (laptops with a built-in webcam can skip this step). Make sure your USB cable is properly plugged, and also try to connect your camera directly to your PC rather than a USB hub (if you are using).

Step 2 – Turn off your computer, unplug the webcam, boot up your machine and then plug your camera back in. Let the system pick up the webcam, probably reinstall or repair camera driver and then see if that works.

If it fails, go to the Device Manager and check, there are tow possibilities: One, it might be recognized as a camera, but the right camera driver is not installed or missing; a yellow exclamatory mark beside Camera under the list of Sound, video and game controllers will indicate a problem. The second possibility is that this camera is not recognized by your system, and it will be listed under Other Devices in Windows XP with a question mark beside it. In either case you need to update camera driver; since Windows fails to install a right one for your camera, you can download an automatic camera driver manager tool to help you. Personally I use PC Driver Helper, it scans your PC for installed hardware and allows you to install and update the right camera driver and other computer drivers quickly and easily.

Step 3 – If the above tips fail, uninstall the software that came with your camera by using the Add or Remove Programs in the Control Panel, and then restart your PC as well as reinstall the webcam software. This method can fix webcam problems in most cases, but depending on the software sometimes you need to unplug your camera when installing the software.

Step 4 – Most of the webcam programs have options of video source for the webcam feature, if you have multiple devices that qualify for video, you need to choose your camera as the source for the webcam feature in that program.

Step 5 – Make sure your computer has the latest version of Microsoft Direct X, version 9 or newer, since all webcams and other video applications use Direct X for video processing.

To check your Direct X, you can click Start and select Run; type dxdiag in the open box and click OK; choose the System tab and then you can see the version of your Direct X tool at the bottom of the System information section.

Step 6 – If the quality of your webcam’s images are blur, check if it has a focus ring. If it has one, try to get the subjects in frame, in the position they will be when the video is being taken, and adjust the focus ring on the camera lens until the image is sharp and clear.

Common Misconceptions About The Agile Scrum Software Development Process

When it comes to choosing an approach to create custom software, a technical project manager has a few different methodologies to consider – two of the most common being waterfall and agile. While waterfall is sometimes considered the traditional approach to software development, agile software development has gained ground in recent years, proving to be an effective method.

The scrum methodology describes a unique approach to creating custom software in which product development teams work in incremental iterations to reach common goals. A major principle of the scrum methodology is the ability of a product development team to be highly flexible in accordance to stakeholder requests. Open communication among team members and stakeholders is highly encouraged throughout the project for the sake of producing the highest quality product in the most efficient way.

Agile software development relies heavily on the scum framework to produce the best end-product possible. As with most styles and approaches to project management, the scrum methodology is not immune to criticism.

Four Common Myths about Scrum

For a better understanding of the scrum methodology, follow along for an informed response to some of the common criticisms leveled against the scrum approach to agile software development:

Not Enough Documentation – Some may believe that when using scrum, there is not enough documentation of progress throughout the project. This, however, is not true. Documentation of progress using the product backlog is crucial to the scrum agile software development process. Documentation can also be considered another deliverable within a project’s increments. This allows team members to see what progress has been made, and what needs to be done in future iterations.

Projects Lack Planning – During an agile software development project, it’s sometimes thought that there is not enough advanced planning. This criticism may spring from the fact that the agile software development process is very dynamic, responding quickly to problems as they arise. Project planning, however, is in large part what enables this responsive approach. The scrum approach places high priority on developing the product back log. The agile development team works closely with the project owners and stakeholders to develop a strategic plan of attack on high priority back log items. The team then implements the plan in order to successfully complete the prioritized items during iterations.

Scrum is a Different Version of Waterfall- Scrum and Waterfall are two very different approaches to software engineering. Waterfall is a linear process that revolves around creating and getting approval on project specs prior to development, and presenting deliverables to stakeholders based on specified certain time frames and deadlines. Whereas scrum involves a more dynamic approach to product development where chunks of work are broken up into short periods called “sprints.” Scrum is recognized for rapid delivery of functional products, and the flexibility to change deliverables upon stakeholder request.

Team Members Must Work in One Location – It is oftentimes misunderstood that agile development teams must work under one roof in order to communicate effectively with stakeholders, developers, and others on the team. This is not true. With technological developments, telecommunication has proven to be highly effective in cross team collaboration. Many agile software development teams across the U.S. work very effectively with nearshore team members conveniently located in countries like Costa Rica. Emailing, texting, phone communication, and services like Skype enable agile development teams with offshore members to be just as effective as if they were working under one roof.

The common myths about the scrum framework may sometimes discourage stakeholders from using the approach in custom software development projects.

As the popularity of agile software development continues to grow, it is likely that additional evidence will surface to debunk negative myths about scrum. When it comes to deciding which software development approach to implement, you should definitely consider the scrum agile approach to creating custom software.

8 Fundamental Stages in the Web App Development Process

To survive the accelerating market competition, web app development is a fundamental tool for every business. Largely, the development process is shaped around a three layered software development model including users, business and data services. This kind of layout is used for separating a web app into services supplier and customer networks.

Here, we will learn about some essential phases to be followed in the web development process.

Brainstorm upon an Agenda: This is the first step, which involves establishing the objective and purpose of developing the particular web application. Basically, defining a roadmap will be followed to map a suitable direction to the project.

Identifying the Target Audience: This phase generally involves defining the intended audience for your web application. This step requires you to prepare a proper analytics report, which includes information like the type of audience, their web access capabilities, their security levels, and the quantitative audience statistics.

Building a Document for Detailed Functional Specifications or Featured Summary: Functional specification document is among the most significant documents in an app development project. This is built to eliminate any kind of confusion in the future. This document lists all the technical specifications and functionalities of the developing web app. Although in case of large projects, it is pretty difficult to detail every user behavior. For such projects, a featured summary document can be prepared and used.

Identify and Analyze any Third Party Vendors: Developing a web app is usually an economic process, especially when outsourced. So here, third party vendors are identified including: web app development companies, payment gateways and merchant accounts, SSL service providers, fulfillment centers, and service providers for server, firewall, networks and load balancer equipment.

Technology Selection and Specifying the Timeframe and App Structure: It is the step where the app development platform, technology, framework and environment are defined. Along with this, the timeline within which the web app development will be achieved is determined.

Layout Designing and Wire Framing: Interface and Layout Design is considered as the most critical stages of any development project. It starts with the creation of a simple UI sketch and a visual instructions. Upon the approval of the interface and the interaction models, the project design implementation follows.

Application Development: This stage is about creating the app architecture and framework, design of its database structure, development of modules, classes and libraries, and implementation of the functionalities mentioned in the specification document.

Testing: It is the final step in the web applications development project. It involves QA testing and bug fixing. Every developing app is required to go through all the suitable testing techniques including load testing, stress testing, performance and usability testing.

An application that is tested well, is ready for its deployment and release, following which proper steps can be followed for its implementation.

How to Become a Proficient Programmer

Programming is one of the fastest growing professions around the world. With the advancement in technology, the demand of programmers is increasing every day. However, as more numbers of professionals are attracting towards this profession, the competition is also increasing at a fast pace. To become an expert programmer, you need to put a lot of hard work and effort.

Here are some tips that can be the first step in your journey of becoming a professional computer programmer.

Use Inline Comments: You may write large amount of code every day. If you see your code after a few days, it may be possible that you may find difficult to understand what it actually does. Therefore, placing inline comments can be useful to understand the purpose of your code. In addition, incline comments helps others to easily understand what you have written.

Use Descriptive Variable Names: Descriptive variable names make your code more readable and easy to understand. It helps you as well as others to understand the purpose of variables and their expected outcomes.

Dry Run Your Code: You should dry run all conditional and looping statements to ensure that you have applied the correct logic. To dry run, take a few blank sheets and a pencil, pass the value to conditional and looping statements and write their outcomes. It will help you to rectify errors and to apply the correct logic.

Use an IDE: For developing complex programs, use an IDE (Integrated Development Environment) instead of a simple text editor. An IDE generates around more half of the code by itself, therefore, reduces the overall development time. An IDE also helps you to debug, compile, run, and test your program in the simplest possible way. There are different IDEs available these days. Some of them are also free of cost. You can choose an IDE as per your requirements.

Test Your Code: To become a proficient programmer, it is important to test what you have created. You many say that testing is not your responsibility. However, to minimize the chances of errors, you should test the code by own. I recommend you to write code and to create unit tests at the same.

Initially, programming could be a difficult task for anyone. However, it is not as difficult as most of the people think. Programming is an art that can be learnt by putting continuous effort over the time. You just need to stay up and put your effort. With time and experience, you will become a proficient programmer by sure.

The Best Ways to Learn IOS9 Programming Language

iOS9 is the latest version of Apple’s operating system that was released in June 2015. Apple is one of the three largest operating systems that currently dominate the smartphone market and is continuously growing at an exponential speed.

As a successor to iOS8, the new version came with significant upgrades over its predecessor. This time around, the company focused less on the features and instead on optimizing the technology under the hood and the battery. Some enhancements include a two-finger drag option for selection on the Keyboard, replacing the Newsstand app with a new News App, Notes offering more attachment options, support for transit directions in Maps, multiple multitasking features, a more proactive Siri, 3D Touch integration (Peek and Pop, Quick options), and also a significant improvement on the battery life.

A newer form of App development was also introduced with the introduction of Swift 2, the successor to Swift programming language. Apple’s Swift language is a significant upgrade to using objective-C and also makes iOS programming easier because of its concise syntax and interactive nature. Swift 2 offers an even faster compiler, new fix-it suggestions and mark-down syntax to make the language easier to learn.

In today’s tech driven world, apps have somewhat taken over the world and become an important aspect for everyone today. If you wish to become an iOS programmer and learn how to make iOS apps, there are many different online resources that are available that can help you learn how to build iOS apps in no time. In this article below, I have listed 6 different resources that are not only easy to include in your busy schedule but are also very pocket friendly.

1. Apple Documentation

The best way to learn a new programming language is to look at the official documentation provided by the company. Apple has released extensive documentation dedicated to Swift and all of its features. You don’t even need to create a Developer account to access the documents or even download Xcode from the Mac App.

The documentation contains the history of Swift, how to start learning Swift and even includes sample codes and reference materials to easily help you learn Swift. It is also the best way to remain updated to the changes that are being made to the coding and even new features that are being introduced.

2. AppCoda iOS Programming Course

AppCoda is a website that has dedicated itself to providing free of cost iOS programming tutorials for anyone that wishes to learn. If that is not enough, they have also released a book on iOS Programming that breaks down the concepts for people who prefer to work with textual materials or want extra reading resources. The website is awesomely organized and breaks down the tutorials between Beginner, Intermediate and other headings – allowing you to pick up courses based on your skill level.

3. O’Reilly – iOS 9 Programming Fundamentals with Swift

For someone like me who prefers to find everything they want in one place, this is the perfect resource. Although it might make a little dent in the bank, it is completely worth the price. O’Reilly’s iOS9 Programming Fundamentals with Swift is the perfect book that covers everything you might need to learn not only about Swift but also Xcode, and Cocoa Basics. It is seriously the all in one resource that will constantly be handy when you need it.

4. Swift podcasts

If you are the type of person who prefers to learn while doing, well then here is the knowledge of many different developers at your fingertips. No longer do you need books and step by step tutorials, instead learn everything you need to know by listening to the great minds. There is no bar for experience, as both beginners and advanced users can benefit from this. If this particular podcast doesn’t tickle your fancy, don’t worry there are many different podcasts on Swift and iOS programming languages that are simply a Google search away.

5. HACKING WITH SWIFT – Free Tutorials

Hacking with Swift is a website full of rich tutorials that can easily catch you up with Swift if you have just decided to hitch on to the bandwagon. The website is authored by Paul Hudson, who has created many successful apps for big names such as Fender, Virgin, Jamie Oliver, Odeon, Tesco, etc. The website gives the user the freedom to start wherever they are comfortable, making it easier for even advanced users to get on board. In addition to some theory, the tutorials are broken down into 30 projects in Level 1: 10 app projects, 10 game projects, and 10 technique projects. Hudson is also continuously adding more projects, so you can keep on learning and growing.


RAYWENDERLICH is a community of developers that aim to help each other grow by creating tutorials for budding developers. Their objective is to take the most challenging topics and simplify them for everyone to learn. However, this might be a little expensive as a PDF version of their iOS9 tutorials costs around US$54. That being said, the tutorials cover everything you might need to learn iOS9. They have different books depending on if you are a beginner or intermediate.

Top 3 Useful Features of Export Compliance Software

In this digitalized world, all the business sectors depend on software. The online tools not only make your task easier and smooth, they are also helpful in generating the results that you want in a short period. When online applications come in demand, manual labor is becoming unpopular. For right and cost-effective outcome, most of the business sectors are choosing web-based solutions. Talking about the field of export-import, high standard checking is a must. Proper screening of the business entities is very important when you are exporting goods across the international market. Global trade is a common scenario in these days.

Software vs. Manual Labor:

It is obvious that in the earlier times, manual labor is the backbone of any sort of industry. It was same in the case of export-import. Various intermediate processes like screening, determination of export license and export compliance maintenance was possible manually. But presently, export-import business is expanding globally, more and more number of people is involving themselves in trading business. Thus, it is not possible by manual means to screen in detail everything. This results in the use of export software. By using the right techniques, traders can classify their export goods and mark them as sanctioned or denied.


• Generate the Results Fast:

It is one of the best advantages of taking help of online applications. With the help of online applications, you will be able to generate the results as possible. There are various organizations that offer software for exporters who want to maintain compliance with export laws and regulations. Accuracy is another benefit for using online tools. If any person who is a member of trade business want to get right outcome of party screening and export classification, can opt for web-base solutions.

• Provide Bulk or Individual Screening:

It is another benefit of using software. Screening of trade parties and classifying them under sanctioned or denied party is very important. Whether you want to check the export parties individually or in a bulk, you can take help of the online tools. They screen each of the exports parties, vendors, end-users and associates along with their location to ensure that they are abiding the trade rules.

• Customize Export Norms as Per Needs:

It is one of the advantages of using web-based solutions. The exporter can use the software as per the need and according to the planning of export. In most of the cases; screening, license determination, and classification of trade party are possible prior to export.

These are the important three features of online tools. Individuals, who involves in international trade, can use export software for better management of trade compliance. Lack of authenticity and failure to follow export laws is dangerous.

Tips to Choosing Effective Event Booking Software

Event booking software can save you time and money and can provide you with all the tools you need to ensure your event runs smoothly without issues, enabling you to have a hassle free event and make the most amount of money on the day. There are some very important factors you are going to want to take into consideration when it comes to choosing your event booking software, ensuring you find that one solution that is going to tick all the boxes in terms of what you need, what will help you and what will meet your expenditure budget.

The best place to start you search is online. The internet is brimming with useful information and ideally you want a cloud based system. Cloud systems give you complete access as and when needed, so searching online will give you some indication on what is available and give you the chance to write up a short list that you can start reviewing before you commit and purchase any of the software solutions currently on offer.

Write up a list of the event booking software available and now take the time to learn about each one in detail. While this step may take a little time, you do want to get as much as you can for the price you pay, so in the long run, you want to pay the least amount of money for a solution that is going to help you generate more income and is going to provide you with more benefits and tools. With the internet, you can find it easy to read up on each of the software solutions being offered, this may even help you cross one or two off your list moving forward.

From here you want to review the company that has developed and is supplying the software. Never assume anything is too good to be true until you have done thorough research. Research each company in detail. Ensure that they provide after-sales service and support and that they update and upgrade the software as and when needed so you will always have the best event booking software at your fingertips at all times.

Never rely on the reviews you find on the company website alone. Do your own search and type the company name into your search engine and then go through the results. You want to look for independent review sites and online forums where you can read honest customer feedback. You will be amazed, but this quick and simple step can result in you narrowing down your search considerably and shortening your short list.

With the remaining companies in place, you now want to identify what each of them with their event booking software provides in terms of features. What does the solution include? Do they offer numerous tools for you to take advantage of and to help you make your event a complete success?

From here compare the companies and the software against each other. You want to find the software that is going to provide you with the benefits you need and within your budget. You may find the cheapest one doesn’t quite provide you with everything you need and being realistic about pricing can ensure you get the best software that will tick all the boxes for you moving forward.

Finally, identify how you access the software and look for companies that will provide you with a free trial period. A trial enables you to try the software for yourself and when you feel comfortable, you can buy with complete confidence.

Advantages and Disadvantages of Application Software

Our computers and mobile devices are all loaded with all kinds of software, and each software has a different purpose to fulfill. It is important to first understand the differences between application software and system software. System software is the programming and the coding that is utilized by the various components in the device to communicate with each other. There are millions of commands and instructions that are transferred from one component to another with every passing second, and the system software enables this flow of communication. Additionally, the person using the device does not directly interact with or use the system software, since it is all happening inside the device itself.

On the other hand, application software is that which is used directly by the user for the sole purpose of completing a certain task. This type of software needs to be installed separately on a device, and it regularly has interfaces that enables communication between the machine and the user, hence giving rise to many different advantages and disadvantages. For instance, consider a program that allows you to work with databases. This is a software that is used for a specific application, so it falls under this category. It is universally assumed that they have many advantages, and you will be hard pressed to find disadvantages for the same because ultimately, the purpose of all these devices is to perform many tasks with their help.

Common Types of Application Software

The different types of application software are used by individual users and business enterprises as well, and they have many benefits of doing so. This includes word processing software, database software, multimedia software, editing software, and many other different kinds as well. All these software are either provided individually, or they are packaged together and sold by business to business sellers. When a whole variety of them are integrated collectively and sold to a business, they can take up the form of enterprise software, educational software, simulation software, information worker software, etc.


When you begin to compare, you will find that the pros outweigh the cons very easily. With that in mind, here are some of their most popular and widely accepted benefits. Note that in this scenario, we are speaking of application software that is designed for a specific purpose, to be used either by individuals or by businesses.

Their single biggest advantage is that they meet the exact needs of the user. Since they are designed specifically with one purpose in mind, the user knows that he has to use one specific software to accomplish his task.
The threat of viruses invading custom-made applications is very small, since any business that incorporates it can restrict access and can come up with means to protect their network as well.
Licensed application software gets regular updates from the developer for security reasons. Additionally, the developer also regularly sends personnel to correct any problems that may arise from time to time.


As is the case with all such matters, there are certain disadvantages of such software as well. Though these are not spoken about very often, nor are they highlighted, the fact is that they do exist and affect certain users. But people have accepted these misgivings and still continue to use such software because their utility and importance is much more profound than their weaknesses.

Developing application software designed to meet specific purposes can prove to be quite costly for developers. This can affect their budget and their revenue flow, especially if too much time is spent developing a software that is not generally acceptable.
Some software that are designed specifically for a certain business, may not be compatible with other general software. This is something that can prove to be a major stumbling block for many corporations.
Developing them is something that takes a lot of time, because it needs constant communication between the developer and the customer. This delays the entire production process, which can prove to be harmful in some cases.
Application software that is used commonly by many people, and then shared online, carries a very real threat of infection by a computer virus or other malicious programs.

So, whether you are buying them off the shelf, or whether you are hiring a developer to build specific software for you, all of these points will seem pertinent to you. Many individuals and businesses have regularly found the need and the requirement for such software, and the fact remains that any computing device will be utterly useless without such software running on it.