Employers are on the hunt - researching benefit tools that are low-cost, easily administered and satisfy their employees' needs. One such tool is pre-paid group insurance. We examine the benefits of having such a work-benefit option from an employer's perspective.
The first benefit employers expect from legal insurance plans is increased productivity and efficiency. Today's employees are interested in a variety of benefits to balance their work with their life requirements. Given that most American household had an issue with law last year that might have led them to hire a lawyer, it's only normal that a legal benefit would increase employees' morale and efficiency.
Having legal benefit as part of a work-benefit package can help the company recruit and retain the best employees. In this age of work-benefit hysteria, many prospective employment candidates base their career choices on the set of benefit package provided by employers.
Cost containment is another benefit. With less time and resources to be used for personal matters, the company expects to make significant savings on administrative costs.
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Pre-paid legal services can be a very attractive alternative to hiring a lawyer for many people. You should consider the importance and relative priority of these benefits in light of your own legal needs. So what are the benefits going pre-paid compared to conventional hire of lawyers?
Benefit Number 1: Cost-Effective
Pre-paid legal plans can take the sting out of hiring a lawyer. Lawyers' fees are prohibitive for most people: you can run bills of thousands of dollars and this is simply out of reach of most working and middle-class families. With pre-paid plans, what you get charged is more in line with what you pay for your health or home insurance. Plans start as low as $9 per month and typically don't exceed the $30 mark.
Benefit Number 2: Simplicity
There is a number of very complicated set of fees lawyers charge: contingency fees, flat fees, statutory fees and hourly rates. In the case of contingency and statutory fees, you have to get into the intricate details of how these fees are computed - say for a contingency fee how much is the lawyer's commission? - and their regulatory nature - who regulates the statutory fee and how do I know if these fees are in line with regulatory guidelines?.
The other two types of fees can be equally as complex. Increasingly, attorneys choose to incorporate any overheads they incur, like secretarial expenses, parking charges and travel fees into their flat and hourly fees. They can also set a minimum number of billing units, like three tenths of an hour (18 minutes), irrespective of how long it takes them to deal with your problem.
This is just a sample rundown of what might influence the various fees charged by lawyers, other factors and arrangements can apply too. Contrast this with the simplicity in which pre-paid legal services are priced and furnished. The process is simple and straightforward: you sign an agreement to pay a fixed monthly fee and that's about it. If what you're looking for is not covered, your plan provider will give you a prior notice of a different billing so that you know exactly how much you will be charged.
Benefit Number 3: Pre-emptive Law
Pre-paid plans offer unlimited phone consultation and advice. This aspect of the service can save you a lot of trouble, money and time in the future. Most legal problems you are likely to face in your day-to-day life can be solved if you take the necessary steps in line with the law. With the right advice and consultation with your lawyer, you can detect legal blunders before they occur and hence minimize the risk of litigation and protection.
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You may be covered when it comes to health, life, car or home insurance... but what about legal coverage?
The question is not if you'll need a lawyer, but when: according to the American Bar Association (ABA) "Americans have come to view legal assistance as a necessity". Yet, most Americans have not used a lawyer more than once due to the sky high attorney fees - anywhere from $100 to $1000 per hour - and the trepidation involved in the search for legal services.
Prepaid legal insurance might just be the answer you have been looking for. The concept is simple: for a fixed monthly subscription, you get telephone access to advice from a lawyer. You pay a fixed amount in advance each month to defray the cost of legal services furnished in the future. These services span various areas of the law, anywhere from reviews
of simple legal documents and the writing of a simple will to more comprehensive coverage of trials, divorce, bankruptcy and real estate issues.
Pre-paid legal coverage is a very attractive proposition for people who don't have the resources to retain a lawyer on a regular basis whenever they need assistance. You effectively have a network of attorneys you can use as retainer to seek preliminary advice about what the issues are and how the procedures work whenever legal matters arise. Services not covered by the plan are available to members for a discount on regular hourly rates or flat fees.
A hard fact, however, is that more than half of new subscribers drop out of a prepaid plan after their first year. One reason could be that many members do not require any legal assistance during their first year, so opt out. Another reason is the scope of services offered, which are very basic and limited in nature. Most plans have certain caps or maximums as far as benefits provided are concerned, and purport to offer discount on standard attorney fees instead. However, by virtue of simply calling around by yourself you could probably negotiate a lower rate.
Another problem with pre-paid legal plans is the likelihood of getting assigned to a novice attorney. Because of cost considerations, many of the companies behind per-paid services assign trainee or inexperienced attorneys to handle phone consultation and drafting of simple legal documents. You are also less likely to build rapport and understanding, two of the most important attributes of choosing a good attorney, as over 90% of the work is done over the phone.
Sometimes, when all our doubts, fears and insecurities wrap ourselves up, we always come up with the idea of "I wish I was somebody else." More often than not, we think and believe that someone or rather, most people are better than us.- when in reality, the fact is, most people are more scared than us.
You spot a totally eye-catching girl sitting by herself at a party, casually sipping on a glass of Asti Spumanti. You think to yourself, "she looks so perfectly calm and confident." But if you could read thru her transparent mind, you would see a bunch of clouds of thoughts and you might just be amazed that she's thinking "are people talking about why I am seated here alone?... Why don't guys find me attractive? ...I don't like my ankles, they look too skinny... I wish I was as intelligent as my best friend."
We look at a young business entrepreneur and say "Wooh... what else could he ask for?" He stares at himself at the mirror and murmur to himself, "I hate my big eyes... I wonder why my friends won't talk to me... I hope mom and dad would still work things out."
Isn't it funny? We look at other people, envy them for looking so outrageously perfect and wish we could trade places with them, while they look at us and thinks of the same thing. We are insecure of other people who themselves are insecure of us. We suffer from low self-esteem, lack of self-confidence and lose hope in self improvement because we are enveloped in quiet desperation.
Sometimes, you notice that you have an irritating habit like biting off your finger nails, having a foul mouth, and you - of all people, is the last to know.
I have a friend who never gets tired of talking. And in most conversations, she is the only one who seems to be interested in the things she has to say. So all of our other friends tend to avoid the circles whenever she's around, and she doesn't notices how badly she became socially handicapped - gradually affecting the people in her environment.
One key to self improvement is to LISTEN and TALK to a trusted friend. Find someone who you find comfort in opening up with even the most gentle topics you want to discuss. Ask questions like "do you think I am ill-mannered?", "Do I always sound so argumentative?", "Do I talk too loud?", "Does my breath smell?", "Do I ever bore you when were together?". In this way, the other person will obviously know that you are interested in the process of self improvement. Lend her your ears for comments and criticisms and don't give her answers like "Don't exaggerate! That's just the way I am!" Open up your mind and heart as well. And in return, you may want to help your friend with constructive criticism that will also help her improve her self.
One of Whitney Houston's songs says "Learning to love yourself is the greatest love of all." True enough. In order to love others, you must love yourself too. Remember, you cannot give what you do not have.
Before telling other people some ways on how to improve themselves, let them see that you yourself is a representation and a product of self improvement. Self improvement makes us better people, we then inspire other people, and then the rest of the world will follow.
Stop thinking of yourselves as second-rate beings. Forget the repetitive thought of "If only I was richer... if only I was thinner" and so on. Accepting your true self is the first step to self improvement. We need to stop comparing ourselves to others only to find out at the end that we've got 10 more reasons to envy them.
We all have our insecurities. Nobody is perfect. We always wish we had better things, better features, better body parts, etc. But life need not to be perfect for people to be happy about themselves.Self improvement and loving yourself is not a matter of shouting to the whole world that you are perfect and you are the best. It's the virtue of acceptance and contentment. When we begin to improve ourselves, we then begin to feel contented and happy.
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Time management is basically about being focused. The Pareto Principle also known as the '80:20 Rule' states that 80% of efforts that are not time managed or unfocused generates only 20% of the desired output. However, 80% of the desired output can be generated using only 20% of a well time managed effort. Although the ratio '80:20' is only arbitrary, it is used to put emphasis on how much is lost or how much can be gained with time management.
Some people view time management as a list of rules that involves scheduling of appointments, goal settings, thorough planning, creating things to do lists and prioritizing. These are the core basics of time management that should be understood to develop an efficient personal time management skill. These basic skills can be fine tuned further to include the finer points of each skill that can give you that extra reserve to make the results you desire.
But there is more skills involved in time management than the core basics. Skills such as decision making, inherent abilities such as emotional intelligence and critical thinking are also essential to your personal growth.
Personal time management involves everything you do. No matter how big and no matter how small, everything counts. Each new knowledge you acquire, each new advice you consider, each new skill you develop should be taken into consideration.
Having a balanced life-style should be the key result in having personal time management. This is the main aspect that many practitioners of personal time management fail to grasp.
Time management is about getting results, not about being busy.
The six areas that personal time management seeks to improve in anyone's life are physical, intellectual, social, career, emotional and spiritual.
The physical aspect involves having a healthy body, less stress and fatigue.
The intellectual aspect involves learning and other mental growth activities.
The social aspect involves developing personal or intimate relations and being an active contributor to society.
The career aspect involves school and work.
The emotional aspect involves appropriate feelings and desires and manifesting them.
The spiritual aspect involves a personal quest for meaning.
Thoroughly planning and having a set of things to do list for each of the key areas may not be very practical, but determining which area in your life is not being giving enough attention is part of time management. Each area creates the whole you, if you are ignoring one area then you are ignoring an important part of yourself.
Personal time management should not be so daunting a task. It is a very sensible and reasonable approach in solving problems big or small.
A great way of learning time management and improving your personal life is to follow several basic activities.
One of them is to review your goals whether it be immediate or long-term goals often.
A way to do this is to keep a list that is always accessible to you.
Always determine which task is necessary or not necessary in achieving your goals and which activities are helping you maintain a balanced life style.
Each and everyone of us has a peek time and a time when we slow down, these are our natural cycles. We should be able to tell when to do the difficult tasks when we are the sharpest.
Learning to say "No". You actually see this advice often. Heed it even if it involves saying the word to family or friends.
Pat yourself at the back or just reward yourself in any manner for an effective time management result.
Try and get the cooperation from people around you who are actually benefiting from your efforts of time management.
Don't procrastinate. Attend to necessary things immediately.
Have a positive attitude and set yourself up for success. But be realistic in your approach in achieving your goals.
Have a record or journal of all your activities. This will help you get things in their proper perspective.
These are the few steps you initially take in becoming a well rounded individual.
As the say personal time management is the art and science of building a better life.
From the moment you integrate into your life time management skills, you have opened several options that can provide a broad spectrum of solutions to your personal growth. It also creates more doors for opportunities to knock on.
