Loan Officer Marketing: Attract More Real Estate Agents With Questions

What if you could come up with a technique that would allow you to consistently talk with high-producing agents, without the fear of rejection or high-pressure sales tactics?

One way to this would be to contact several real estate agents, it does not matter if you know them or not. The only purpose of the call is to find out as much about the agent as you can. Introduce yourself to the them and do a simple, short, telephone survey.

Some of the questions you should ask them are:

How long have they been working as a real estate agent?
Do they typically represent buyers or sellers?
What are their typical activities on a daily basis?
What are their short term and long term goals?
Do they feel like they are on the track to accomplishing the goals?
What are some of the obstacles that are keeping them from meeting their goals?
What causes them the most stress in their business?
What do they need to fix it?

Notice that none of the questions are anything other than real estate related. Do not ask any questions related to mortgages or mortgage clients. You will find that instead of having to pry the information from the agents, you will not be able to get them to stop talking.

Most people have one favorite topic of conversation, themselves. There is nothing they like better than to talk about themselves and the problems their facing. Fortunately, most people never run out of problems to talk about.

Ultimately, you will receive several positive comments from the agents:

The agents will say how much they enjoyed having someone listen to them.

When the agent realizes it is not a sales call, which was stated from the beginning of the call, they will immediately open up.

Almost every survey call will end with the real estate agent asking the loan officer for more information about their mortgage services.

The survey technique is a great strategy for several reasons. It allows you to determine which real estate agents are producing at the level you require. You will gain access to the agent in a non-confrontational, non-selling situation. And it gives you an opportunity to lay the foundation for future sales presentations. Save your sales pitch for your second call. On the second call you can show them how you can solve their problems.

Does the idea of cold-calling agents, even for a survey, intimidate you? Consider approaching the agents with the survey through email. Surprisingly, you will get some response from agents.

Develop the survey into a paper-based form and give to buyer agents at closing. You will be amazed at how many agents take time to complete the survey.

When agents take the time to complete the survey, whether over the phone, through email or in person, you know which agents are receptive to you and are interested in establishing a relationship. Your simple survey will open doors, now and for a future relationship.

Jeff Nelson helps loan officers increase loan originations by attracting quality relationships with real estate agents from the development of customized relationship-building strategies.

Click here to get a free copy of the Marketing Planning Guide, a 20-page workbook designed to help you outline a strategy to become an Agent Magnet.

Visit us at http://www.loan-officer-marketing.com

Satellite TV Programming Guide

With more than 256 channels to choose from, satellite TV programming offers far more TV listings and viewing options than cable or over-the-air TV.

Satellite TV also gives you access to music channels, pay-per-view movies, sports packages, adult channels, and international programming.

DISH Network Satellite TV Programming

DISH Network programming packages start at $31.99 per month.

They also offer pay-per-view movies and events, adult programming, and sports packages. International programming includes: African, Arabic, Armenian, Asian, Chinese, Farsi, French, German, Greek, Israeli, Italian, Japanese, Korean, Polish, Portuguese, Russian, South Asian, Spanish, Tagalog, and Urdu channels.

DISH Network has the biggest variety of movies and shows and the most HD (high definition) programming of the two satellite TV providers.

Here are DISH Network's current satellite TV programming packages:

America's Top 60 ($31.99 per month)

This package includes the following program channels, plus your local channels:

ABC Family, America's Collectibles Network, Angel One, Arts & Entertainment (A&E), Auction TV, Beauty & Fashion Channel, Bingo TV, BYUTV, Cable News Network (CNN), Cartoon Network, Catalog TV, Classic Arts Showcase, CNBC, Colours TV, Comedy Central, Country Music Television, Court TV, C-SPAN, C-SPAN2, Daystar, Discovery Channel, The Disney Channel (East), Disney Channel (West), E! Entertainment Television, Educating Everyone, ESPN, ESPN Alternate, ESPN2, ESPN2 Alternate, ESPNews, Eternal Word Television Network Family Net, Florida Education Channel, Food Network, Free Speech TV, Good Samaritan Network, Headline News Network, Health TV, Healthy Living Channel, The History Channel, HITN, Home & Garden Television, The Home Shopping Network, Horseracing TV, ISHOP, The Jewelry Channel, The Learning Channel, Lifetime, Men's Channel, Music Television (MTV), Music Television 2 (MTV2), NASA, Nickelodeon/Nick At Nite (East), Nickelodeon/Nick At Nite (West), Northern Arizona University/University House, PBS You, QVC Shopping Network, Research Channel, RFDTV, The Sci-Fi Channel, Shop At Home, Shop NBC, Spike TV, Stuff TV, The Travel Channel, Trinity Broadcasting Network, Turner Broadcast System (TBS), Turner Network Television (TNT), TV Games Network, TV Guide Channel, TV Land, TV Outlet Mall University Of California, University Of Washington, USA Network, VH1 The Weather Channel, Worldlink TV.

America's Top 120 ($42.99 per month)

This package includes all of the channels in the America's Top 60 package, plus the following program channels and 32 Sirius music channels:

American Movie Classics, Animal Planet, BBC America, Black Entertainment Television (BET), Bravo, CNN Financial/CNN International, Comcast Sports Network, Discovery Health, Empire Sports, ESPN Classic, F/X, FOX News Channel, FOX Sports, FOX Sports West 2, Fuse, Galavison, Game Show Network, Independent Film Channel, Lifetime Movie Network, Madison Square Garden, MSNBC, New England Sports Network (NESN), Noggin, Pax TV, SiTV, The Speed Channel,, Sports Alternate 1, Sports Alternate 2, Sports Alternate 3, Sports Alternate 4, Sports Alternate 5, Sunshine Network, G4 Tech TV, Telefutura East, Telefutura West, Toon Disney, Turner Classic Movies, Turner South, Univision East, Univision West, WE: Women's Entertainment, WGN Superstation.

America's Top 180 ($52.99 per month)

This package includes all the channels in the America's Top 120 package, plus the following program channels and 50 Sirius music channels:

Biography, Bloomberg Television, Boomerang, CNBC World, Discovery, Home & Leisure, Discovery Kids, Discovery Times Channel, Discovery Wings, Dish Music- 50's & 60's Hits, Dish Music- 70's Hits, Dish Music- 80's Hits, Dish Music- All That Jazz, Dish Music- Beach Party, Dish Music- Classic Soul, Dish Music- Country Music One, Dish Music- 4 Decades of Music, Dish Music- Expressions, Dish Music- Hitline, Dish Music- Hot FM, Dish Music- Italia, Dish Music- Love Songs, Dish Music- Moonscapes, Dish Music- New Orleans Jazz, Dish Music- Piano & Guitar, Dish Music- Road House, Dish Music- Tropical Breezes, Dish Music- Urban Adult, Do It Yourself Network, Encore (West), Encore, Action/Adventure, Encore Love Stories, Encore Mysteries, Encore True Stories, Encore Wam/America's Kidz Network, Encore Westerns, FOX Movie Channel, FOX Sports, Net World, The Golf Channel, GOL TV, Great American Country, Hallmark Channel, History Channel International, The Movie Channel (West), National Geographic Channel, Nickelodeon Games & Sports, Nick toons, The Outdoor Channel, Outdoor Life Network, Reality TV, SoapNet, Style, The Science Channel, TMC Xtra West, VH1 Classic, Wisdom Television.

America's Everything Pak ($86.99)

This package includes all the channels in the America's Top 180 package, plus the following movie channels (31 movie channels in all):

Showtime Unlimited Package, Starz! Super Pak, HBO Package, Cinemax Package.

Note: For more programming information, ordering information, and the latest bonuses and free offers from DISH Network, click on the links below.

DIRECTV Satellite TV Programming

DIRECTV satellite TV programming starts at $41.99 per month.

They also offer pay-per-view movies and events, adult programming, and sports packages. International programming includes Chinese, Filipino, Italian, South Asian, Spanish, and Vietnamese channels.

DIRECTV has the most sports program packages of the two satellite TV providers, including the popular NFL Sunday Ticket.

Here are DIRECTV's current satellite TV programming packages:

Total Choice ($41.99 per month)

This package includes the following program channels, plus your local channels and 31 music channels):

A&E Network, ABC Family, America's Store, American Movie Classics (AMC), Animal Planet, BBC America, Black Entertainment Television(BET), Bloomberg Television, Bravo, C-SPAN, C-SPAN2, Cartoon Network, The Church Channel, CNBC, CNBC World, CNN, CNNfn/CNN International, Comedy Central, Country Music Television (CMT), Court TV, Daystar, Discovery Channel, Discovery Health Channel, Disney Channel (East), Disney Channel (West), E! Entertainment Television, ESPN, ESPN CLASSIC, ESPN2, ESPNEWS, EWTN, Fine Living,?Food Network, Fox Movie Channel, Fox News Channel, Fuse, FX, Galavisi?n, Game Show Network, Hallmark Channel, Headline News, The Health Network, The History Channel, Home & Garden Television, Home Shopping Network, Independent Film Channel, Inspirational Life, The Learning Channel (TLC), Lifetime, Lifetime Movie Network, Link TV, MARIA+VISI?N, MSNBC, MTV, MTV2, National Geographic Channel, Newsworld International, NFL Network, Nickelodeon/Nick at Nite (East), Nickelodeon/Nick at Nite (West), Noggin/The N, Outdoor Life Network (OLN), Oxygen, PAX, PBS You, QVC, RFD TV, SCI FI Channel, Shop At Home, ShopNBC, Speed Channel, Spike TV, Superstation WGN, TBS Superstation, TechTV, TNT, Toon Disney, TRAVEL CHANNEL, Trinity Broadcasting Network (TBN), TRIO, Turner Classic Movies (TCM), Turner South, TV Land, Univision (East), USA Network, VH1, WE: Women's Entertainment, The Weather Channel, Word Network, World Harvest Television.

Total Choice Plus ($45.99 per month)

This package includes all the Total Choice programs, plus the following channels:

The Biography Channel, Boomerang, Discovery Home & Leisure, Discovery Kids, Discovery Times Channel, Discovery Wings, DIY - Do It Yourself Network, Fuel, History International, PBS KIDS, The Science Channel, SOAPNet.

Total Choice Premier ($93.99 per month)

This package includes all the channels in the Total Choice Plus package, plus the following program channels:

Action, BLACK STARZ!, Cinemax (East), Cinemax (West), Comcast SportsNet (Mid-Atlantic), CSTV: College Sports Television, Empire Sports Network, Encore? (West), Encore? (East), FLIX, Fox Sports World, The Golf Channel, HBO, HBO (West), HBO Family, HBO Family (West), HBO HDTV, HBO Latino, HBO Signature, HBO2, HBO2 (West), Love Stories, Madison Square Garden (MSG), MoreMAX, The Movie Channel, The Movie Channel West, Mystery, NBA TV, New England Sports Network, The Outdoor Channel, SHOWTIME East, SHOWTIME Extreme, SHOWTIME HDTV, SHOWTIME Showcase, SHOWTIME TOO, SHOWTIME West, STARZ! (East), STARZ! (West), STARZ! Theater (East), Sundance Channel, Sunshine Network, True Stories, VH1 Classic, WAM!, Westerns, YES Network.

Note: For more programming information, ordering information, and the latest bonuses and free offers from DIRECTV, click on the links below.

Click on the following link for more information on free satellite TV systems and service, or these links for programming information, ordering information, and the latest special offers from DISH Network satellite TV or DIRECTV satellite TV.
About the Author

Backpacks

Of all the variants of bags, backpacks can be considered the most innovative and the most convenient. Backpacks have an advantage over other kinds of bags in that they spread the weight evenly over the shoulders and the back, thus reducing the stress on just one arm or one shoulder.



Scientifically, backpacks are the most ergonomically designed bags, and their popularity cuts across various age groups. Moreover, while mostly associated with men, the demands of modern life are making them increasingly unisex. Nowadays, women sport backpacks with as much ease and lack of self-consciousness as do men ? for instance, a woman carrying her laptop in a backpack would not be considered ungainly at all.



In spite of the fact that backpacks are seen as unisex accessories, there are several kinds that are specifically designed for women, keeping in mind a woman?s physique. They normally come in clean lines and compact sizes, with the emphasis being on clever optimization of space, rather than sheer bulk. Apart from women?s designs, backpacks also come in children?s sizes, enabling children, particularly teenagers, to take off on all kinds of trips.



Backpacks are available in both the no-frills, all-space variants as well as intelligently designed, sleek kinds that have security pockets, zippered side pockets for stashing bottles, watertight zippers on most-used pockets, zipper pulls with glow-in-the-dark tips, etc.



Moreover, different kinds of backpacks cater to different kinds of needs. Some are meant for everyday use, others for hiking and jogging, and yet others for long distance trips. The design and size varies, depending on the intended use. For instance, backpacks meant for everyday use are sleeker and have intelligently designed compartments for storing organizers, keys, wallets, ticket stubs, and the like. Backpacks intended for trekking and long-distance use are bigger and more spacious, with the emphasis being on waterproofing and durability.





Backpacks provides detailed information on Backpacks, Leather Backpack, School Backpacks, Laptop Backpack and more. Backpacks is affliated with Magnetic Chalkboards.

RVUs Whose Value Is It Anyway?

As I discuss career options with a group of third year medical students, I imagine a marketing brochure for psychiatry residencies in a world of mental health parity:

The brain is undeniably the most complex organ of the human body. Treatments for diseases of the mind and brain require the intricate understanding of chemistry, physiology, and anatomy common to all branches of medicine, as well as the ability to step outside of oneself to objectively observe personality and emotion. The psychiatrist must tolerate the unsettling awareness of the mysterious relationship between mind and matter, and must help others find their own answers to the mysteries of the human condition. No wonder that the masters of medicine-those who work in the vast field of interventional psychiatry-are so valued by society.

The time has come for my transition from psychiatric residency to psychiatric practice. The prospect of six-figure incomes suggests reward, at last, for years of work and debt. For the employers, under the guarantee of income and benefits lies the expectation of productivity. This productivity is not measured by patient satisfaction, symptom improvement, or reduced morbidity. Rather the name of the game is the RVU, and the way to get more RVUs is to see more patients in whatever time is available. I am grateful for the opportunity to earn good money in the service of a challenging and rewarding career. But I am also aware of the striking difference between the salaries of psychiatrists and the salaries of many other physicians. As a former practitioner of one of medicine's more lucrative specialties, I find myself comparing my apparent value now with my value then. Why is my work now worth less than half as much as my work as an anesthesiologist?

At the end of a night in the crisis service last week I walked past a group of patients huddled in the cold, waiting for the doors of the walk-in clinic to open. As I looked at their tired faces, I realized the desperation they must feel to leave homes or homeless shelters at such a cold and early hour, and make the trek to the clinic by foot or by bus. Their pains were certainly as great as the pains of any of my patients presenting for surgery. But for some reason there is less outrage over their lack of care than would be the case for a group of patients with untreated diabetes, appendicitis, or heart disease standing outside a hospital. I realized that like many in society, I had unwittingly accepted the scene before me as adequate care for the mentally ill.

The RBRVS, or resource-based relative value scale, was instituted by Medicare in 1992 in an attempt to standardize payments for physician services. Relative value units, or RVU's, are assigned to physician services based on three main factors: physician work, practice expenses, and the cost of liability insurance. Physician work is determined by several factors including time required for the service, the technical skill and physical effort, the mental effort and judgment, and the amount of stress experienced by the physician due to the risk to the patient. To arrive at the ?fair value' of services, the number of relative value units is multiplied by a universal dollar value, and adjusted slightly for practice location according to regional cost of living indices.

In theory, this approach to payment provides a level playing field for physicians. Payments for a cholecystectomy, for example, reflect the fortitude one must have to cut into someone's body and the time required for surgery and postoperative care. Medicare strictly adheres to this formula, but in the world of private insurance some physicians' relative value units are more valuable than others. In my region, for example, Medicare has decided that the relative value of a unit of physician work is about $38. The largest third-party payer in the area will pay psychiatrists, pediatricians, or family physicians about $50 per value unit. But orthopedists and radiologists, or podiatrists providing orthopedic services, are paid $100 per value unit.

What accounts for the difference in payment? If not due to stress, physical or mental effort, risk, technical proficiency, or practice cost, where does the difference come from? Certainly not from supply and demand, as in my area it is much easier to see an orthopedist this week than to see a psychiatrist within the next month. Does the lower reimbursement reflect decades of poor negotiating? Are psychiatrists more likely to succumb to modesty and self-effacement? Do psychiatrists have so great a level of job satisfaction that they don't worry about money? I wonder if the difference reflects a much larger problem-- that psychiatrists have bought into a societal impression that mental health is less valuable than physical health.

Support for this last concern can be found when one looks at the funding of mental health services in general, and the tacit acceptance of the funding situation by psychiatrists and other mental health caregivers. My insurer is required by statute to provide coverage for mental health services up to about $2000 per year. On the other hand, there is no limit on payment for orthopedic injuries. The insured alcoholic is covered for the $1800 surgeon's fee for a fractured kneecap- and more for the incidental hospital bill and the bills for physical therapy. If the alcoholic strikes his head, the radiologist receives $1200 to look at the MRI. And if he abruptly stops drinking for a week, the hospital is paid tens of thousands of dollars to help him through withdrawal-- only to turn him out to drink again. Yet to treat the primary alcoholism, the insurer will pay?$2000. And if the patient has spent $2000 for treatment of depression earlier in the year, the insurer will continue to pay for kneecap fractures and MRIs, but not for treatment of the underlying cause of these injuries-alcoholism. And other comparisons are equally dramatic. My insurer will pay $70,000 or more for cardiac bypass to reduce a person's risk of a heart attack, but only $2000 per year for treatment of the same person's depression, to reduce risk of suicide. The narcotic addict is allowed $2000 for treatment of heroin addiction, vs. hundreds of thousands of dollars for a secondary HIV infection.

The relatively low payments received by psychiatrists can be blamed to some extent on psychiatrists themselves. They accept their own devaluation when they sign for lower salaries or when they accept limitations on their ability to practice psychotherapy. They allow administrators and others without medical training to dictate treatment plans. I am reminded of the late 1980's when anesthesia was becoming perceived as a technical trade, and was challenged by the expanding statutory roles of nurse anesthetists. Rather than narrowing anesthesiology, the answer to devaluation was found by moving into critical care and pain medicine and asserting the roles of anesthesiologists as physicians. Similarly, cardiologists did themselves and their patients well when they laid claim to angioplasty, and called themselves ?interventional'. The new technology brought public respect and money, which then yielded an explosion of new treatments. I don't know what the parallel path for psychiatrists will be, but it is vital that as insights develop into brain function, psychiatrists lay claim to them, grasp them, and never let them go. There is nothing like a brain procedure to grab society's interest and respect. In fact, I posit that the simple adoption of the term ?Interventional Psychiatry' would increase the funding of psychiatrists and psychiatric research by 20%.

The low priority of mental health services to society is, of course, a complex issue. Stigma, lack of lobbying resources, and denial of the impact of mental illness certainly play roles in the lack of public interest and investment in mental health. Resources are thin for the unemployed and uninsured mentally ill, and the field of psychiatry deserves kudos for attempting to meet the needs of this population in return for little financial gain. But for patients with resources, we must recognize and advocate that mental health care is as important as treatment for a torn ACL, and deserves equitable reimbursement. The abilities to laugh, to work, and to love are as vital as the ability to return to beach volleyball. Psychiatrists must realize that at some point, expectations of relatively low reimbursements and medical standing become self-fulfilling prophecies, as our society tends to value those most who value themselves. The correction of societal bias and the resultant devaluation of our services will require constant efforts to educate, negotiate, and assert the value of mental health care in a healthy society. And psychiatrists, as the voices, faces, and business representatives of mental health, will raise the status and treatment of their patients as they work to raise the scientific, and yes, economic, status of themselves as physicians.

The author, Jeffrey T. Junig MD, PhD, has worked as an anesthesiologist, as a pain specialist, and as a psychiatrist. He teaches medical students and medical residents, and has written a number of scientific and educational articles. He enjoys consulting for businesses, legal firms, and individuals to translate medical records and jargon into usable information. He can be reached through his web site at http://explainmedical.com

Right Where I Ought to Be

Having been an at-home mom now for six years, my sense of confidence in the job that I do has run the gamut, from questioning my self-worth to feeling like I happily rule the world, or at least that of my four children.
Having been an at-home mom now for six years, my sense of confidence in the job that I do has run the gamut, from questioning my self-worth to feeling like I happily rule the world, or at least that of my four children. I would bet my last dollar that every at-home mother has done the same thing, but I need that dollar for groceries, so I won't.

Just last week, I stood in the doorway, cozily clad in my toasty robe and fuzzy slippers, waving merrily to my daughters as they skipped toward the school bus. Having assured myself that they were safely ensconced on the bus, I turned on my heel to start a day of caring for our two youngest. As I did so, my oldest daughter's backpack caught my eye as it sat abandoned in a chair.

That particular morning, it was a mere three degrees. When I awoke, I had told myself it was to be a warm and fuzzy day at home, since I had no errands to run. Surprise! I suddenly had to dress the three of us that remained at home, warm up the van, and get my daughter's backpack to her before the school day started. So I dressed, buckled up the tots, and jumped behind the wheel after having scraped the half inch of frost off the windshield. Off we went. I happened to pull into the parking lot at the very same time as the bus, just in time to see my daughters getting off the bus. My oldest ran over to the van, grabbed the backpack from me, gushed a Thanks, Mom! and off she was to start her day.

As I pulled out of the parking lot, it occurred to me that the very same situation could have been a nightmare if I was working outside the home and not as available to respond to life's little emergencies for my kids. Perhaps an important school project that was due that day would have been inside the backpack. Or maybe I could have had a mandatory meeting, rendering me unable to drop the backpack off at school. The simple task of picking up the slack where my daughter's error was concerned was no big deal in and of itself. But I was able to do it. She may have already forgotten the incident, but hopefully she'll have fond, if vague, memories of me being there for her always.

A few days after the backpack incident, my youngest daughter developed an infection, requiring a trip to the doctor, a trip to the pharmacist, lots of fluids, and plenty of rest at home. This was all accomplishable with minimal fuss because I have the flexibility to plan my schedule around my kids, rather than the other way around. And I love being needed!

I'm sure I am right where I ought to be, for our kids and for our family. It's not glamorous, the pay is nonexistent, and my wardrobe consists of sweats, jeans, t-shirts, and sneaks, but my life is more satisfying today than it has ever been.

About the Author

Mia Cronan is a stay-at-home mom and editor of the Main Street Mom web site, which offers support, humor, inspirational stories, great articles, and much more. Readers can visit this site at http://www.mainstreetmom.com. Previously, Mia spent 12 years in hotel management, but has opted to stay at home full-time with her children. The mother of four, she has three daughters, ages 7, 6, and 4, and 1. Ask Mia how to make money at home! http://momswin.com/mia

Improve Your Aptitude With Free Online Puzzle Games

Puzzle games are a genre of games loved by most hard-core gamers simply because of their ability to challenge a person's ingenuity. Generally, a puzzle is a game has some mystery attached which you have to uncover in order to resolve it. It demands both attention to detail and basic common sense to resolve. Some of the types of puzzles are disentanglement, sliding, logic and word puzzles

Puzzles have their serious side and have been used time and again to resolve real life problems in the mathematical and scienctific research. However, most people play puzzles for fun and to improve our brain capability. It is not uncommon to see people on public transport concentrating on one puzzle or another in order to resolve it. The feeling of accomplishment when a puzzle is completed can make a game addict of most of us. It is also generally believed that those who do puzzles can help stave of certain brain illnesses such as Alzheimers in later life.

In the early days, puzzles were brought to us in the form of board games which you could by from the shops or you could find puzzles at the back of newspapers or better still you could buy a book of puzzles. Nowadays however, you can find all kinds of puzzles to play on the internet. Most of these are fun, entertaining and a learning experience for people of all ages. In fact you are likely to find any type of puzzles and be able to resolve it without using a pen. If it is Sudoku you like you can find a play it online.

Famous puzzles such as Sudoku, jigsaw puzzles, Knight's Tour, Missing Square, Tower Of Hanoi and even Rubik's cube can all be found and played online. One of the advantages of playing online is that, there are now many gaming platforms offering these games for free. You do not need to carry a physical object - be it a book or board game - in order to resolve your favorite puzzle. With just a few mouse clicks you can just as well get the job done.

Playing free puzzle games has now become popular. Instead of going to the nightclub with may cost anywhere from $10.00 and $30, some young kids and teenagers are simply visiting their local cyber-cafes for an adrenaline rush of free PC puzzle games. Another advantage is that, you can meet people from everywhere in world who share similar interests. Some of the favorite online puzzles games are the Cartoon Quizz, Great Mahjong, Master Checkers, Quiz Time With Chron Series, Jig and Koala Checkers.

In conclusion, the internet has changed the way we play games in general and puzzle games in particular. no longer do we need to solve those well loved puzzle games on paper. For game lovers, going online is an exciting adventure and the number of games are increasing all the time.

About the Author:

By Jake Jenkins
Pro Gamer
Play Puzzle Games, find games cheat and free online puzzle games at Gamerevolt.com

Auto Accident Child Safety

Travel Safely with Young Passengers in Your Car

The essential safety information for every parent, relative, friend, or caregiver, who may transport an infant or small child in an automobile is to be sure to get the right car seat for your child. When it comes to child restraint systems, one size does not fit all, and each system must be appropriate for the individual youngster's age, weight, and height.

The following are general guidelines about the kind of protection your child may need:

• Infants up to about 1 year old should travel in a federally-approved infant safety seat that faces the rear of the car. Facing the back of the car protects a baby's fragile head and neck if a car accident occurs. The car seat should be semi-reclined so that the baby's head does not flop forward.

• Children between 1 and 4 years old can sit in a convertible seat that faces forward, if the car seat is equipped with harness straps to securely hold the youngster in place.

• A child who outgrows a convertible seat should ride in a booster seat, which will make the safety belt fit better and more comfortably.

• After a child gets too big for a booster seat, he or she can wear a regular seat belt, but should continue to sit in the back seat until 12 years of age.

Give your child the maximum protection by using the car safety seat properly.

Although about 80% of drivers use child restraint systems, over 70% were incorrectly installed. The most common mistakes were incorrect use of the tethers and harnesses, which will keep the child safely secured in the event of an accident. This puts children at risk, and can easily be avoided, if drivers take the time to follow these simple steps:

• Study the vehicle owner's manual and car seat instructions carefully.

• Check to see if you need a special locking clip. Not all standard safety belts will secure a car seat without it.

• Look for a car seat with a label saying it meets federal motor vehicle standards.

• Send in the car seat registration card, so that you will get notice of product safety recalls.

• Get a tight fit - the car seat should not move more than one inch from side to side or forward. To check for proper installation, push and pull on the car seat near the safety belt buckle.

• Replace a car seat that has been in a crash.

Attorney Marya Sieminski joined the Law Offices of Sam Bernstein in 2003. She is admitted to practice law in Michigan state courts and in the U.S. District Court for the Eastern District of Michigan. She earned her Bachelor of Science degree at the Massachusetts Institute of Technology and graduated magna cum laude from Wayne State University Law School. Marya has worked as a trial lawyer for 10 years and exclusively represented victims in personal injury litigation and in workers compensation claims. She also was appointed by the Governor to serve on the State of Michigan Workers Compensation Qualifications Advisory Committee.

The Law Offices of Samuel I. Bernstein, our Michigan auto accident and personal injury law firm, has championed the cause of seriously injured Michigan auto accident victims for three generations.