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Oct 172021
 

It is very possible to make money quick online, but only if you know how and where to do so. On the web many people look to earn some quick cash through paid surveys. This can easily be done but may take some time. If you are serious about making money online through paid surveys, you must know what you are doing.

Businesses spend over $250 billion dollars every year worldwide. A great deal of this mone is spent on advertising, but a huge amount is also spent on research. Companies need to know what people want, need, like, dislike, etc. to improve their own businesses and ultimatey make more money. An extremely popular way for these companies to get information is through hiring paid survey companies to get the research done. Your first goal must be to make a list of companies that are looking to pay you for your opinions.

Do a broad search on google, or any other search engine, for “paid online surveys” or “free paid surveys” and you will see a ton of companies and websites listed. Most of these sites will be offering you ways to get paid a lot of money for doing online surveys, but the truth is you won’t get more than $5-$15 for most surveys you’ll take. This will not get you rich quick and will take some time on your part.

The reason people still do paid online surveys knowing that they won’t get paid very much, is simple. You are getting paid to answer questions! So what if this won’t make you the next internet millionaire, but if you need some extra income, paid online surveys is a great way to do this in your spare time. Stay persistent and you will learn all of the ins and outs to this industry with some time, work hard and make money online in your spare time with paid surveys.

Its a good idea to sign up with a well known online survey database source. With a bit of research on these companies, you can learn how long htey have been in business and what other websites and users think about them. Think of these websites as paid survey wholesalers. They have contacted and put together huge lists of online survey companies who pay you for your opinions. These companies, such as Surveys for Income, can save you a great deal of time and get you started earning extra income immediately through paid surveys.

So you now know that you can make money quick through paid online surveys. Your success comes down to how much focus and effort you will put forth. The surveys are simple to do and can earn you a great additional income in your spare time.

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Oct 162021
 

There are so many success stories you will hear about businesses making it good in the internet. The troubling thing is, there are maybe a tenfold or even a hundredfold of stories contradictory to theirs. Many have unsuccessfully launched a business enterprise that is internet based but only a handful shall succeed.

Is this through luck? That is even more remote. It takes good business sense and a lot of help and team effort. Most importantly, it is the eagerness to succeed and the determination to learn and the willingness to invest in a lot of hard work and some money.

The Very Basic

Like Neo, traffic is “The One”. Without traffic, all your effort would just go to waste. Every business needs customers, without them you wouldn’t have anyone to sell your products to. In the internet world traffic is the walk in customer. The more traffic you have the more people would be able to sell your products to.

But like any business that’s in every corner building or in the mall, not everyone that goes in will buy, but the greater of number that do come in to browse your merchandise, the greater number of people that will buy your products. It is a simple and known fact.

But, how do you get traffic, traffic large enough that could make a small percentage of eventual buyers enough to make a good profit. Many big companies generate traffic of tens of thousands a day and a measly ten to fifteen percent actually buys, but that small percentage is enough to provide them with good business.

Many of these success stories get their traffic from paying others. Yes that’s right; you have to spend money to make money. Advertising is the key. The more people that knows that your site exists; the more people would of course go to your site, that’s common sense.

While there are many ways that can get you advertising for free, this do not generate the same high volume as those methods that are getting paid. These paid advertisements include advertising schemes by Google and Yahoo.

The Value of Searches

The search engine is the easiest and fastest medium in finding what a person needs in the internet. Search engines have been very popular because they provide a vital service to many people. They are free and easy to use. With this popularity, companies get many visitors and clicks when they are the most common sites that people go to. It is easy to understand why so many companies would pay to advertise with these search engines.

Search engines provide information to the millions of users that they have each day. They provide links to many sites that a user may be looking for. If your sites link pop up in the high ranks of the search results page, you get a great chance that they will go to your site. While search engine optimization is a cheaper and low cost way to get your site a high rank, paying for advertisements will ensure that you will be on the top ranks.

When you pay for your advertisements, it is like paying for your traffic. This may sound like not such a good idea, but the payoffs would tell a different story. When you pay for your traffic, you are guaranteed of a consistent traffic flow to your site. You will never go with an empty sales day.

Paying for your Traffic

Usually, you will be charged with the number of hits a link gets when your ads is clicked, this is called pay per click. For some search engines, you will be charged with the number of times your ad shows up when a certain keyword or keyword phrase is searched. It is imperative that you have good keyword content in your ad. There are many tools that aid you in using the right keyword for the right moment.

All the money you spend in paying for your traffic will not be for naught. You will get an impressive boost in traffic which will also result to a great boost in your sales figures. Paying for your traffic would be a really good idea and you will get all the benefits it has to offer.

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Oct 152021
 

Believe it or not, the very foundation of good health is having regular bowel movements. When your body has a bowel movement it is removing the build-up of toxins, toxins that are the pre-cursors to many diseases and health conditions, especially cancer.

Our bodies have not changed much over time, yet our diet has changed drastically. A thousand years ago humans lived off of the land. Now, however, we are eating food that is covered in pesticides and processed until there is no nutritional value left in them. These foods increase the risk for disease.

The second leading cause of cancer death in the United States is colon cancer. In order to reduce our risk of this terrible disease, we must regularly remove the toxins that build up in our system from the unhealthy foods that we eat. However, one of the unpleasant results of our over-processed diets is constipation.

Constipation slows the movement of the toxic waste and harbors the foul matter in our intestines. The longer it takes for the toxic materials to move through our system, the longer the waste matter sits in our bowel and putrefies and sometimes is re-absorbed.

The longer our bodies are exposed to this putrefied matter, the greater the risk for developing diseases such as colon cancer. Even if you have one bowel movement every day, you still have at least several meals worth of waste materials putrefying in your colon. Over time this can be very hazardous to your health.

Since the colon is basically the body’s sewer system, keeping it cleaned out is the best option for reducing disease risk. Switching your diet to one that is rich in raw fruits and vegetables and very few processed foods will keep your digestive system free of toxins.

This will result in easy and frequent elimination, preventing toxins from building up in the first place. Depending on how toxic your bowels are, in can take several weeks for your body to detoxify and restore itself to good health.

TIPS FOR A FIBER-RICH DIET

+AVOID SUGAR. There is no fiber in sugar or sugar-laden foods.

+EAT WHOLE GRAINS. Avoid white bread and white rice as they have had the fiber processed out of them. Use only food made with whole grains such as whole grain breads, cereals, wheat germ, barley and brown rice. Always check food labels.

+EAT WHOLE FRUITS AND VEGETABLES. Avoid fruit juices (except fresh fruit juices made in a juicer), as they can be high in sugar content. The skins are the richest source of fiber.

+EAT BEANS. Most varieties of beans are a rich source of fiber, especially kidney beans and garbanzo beans.

+REDUCE MEAT AND DAIRY. If you eat too much meat and dairy products you will not get enough fiber in your diet. You either need to reduce the amounts you eat or increase the amount of fiber you eat.

+DRINK LOTS OF WATER. You must drink plenty of water throughout the day to help push the fiber through your body. Water also eliminates toxins and speeds up the metabolism. Drink at least 8 glasses a day.

BEST FIBER SOURCES

+All-Bran cereal and other high fiber cereals

+Psyllium husks

+Flax meal

+Kidney, garbanzo, and navy beans

+Apple with skin

+Dried figs

+Prunes

+Barley

+Corn

+Whole grain spaghetti

+Banana

+Blueberries

+Sweet potato

+Broccoli

Eating a fiber-rich diet and drinking lots of water will keep your bowels running smoothly and greatly reduce the build-up of toxins. Reducing the toxins will, in turn, reduce the risk of many diseases, especially some types of cancer including colon cancer.

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Oct 142021
 

Before starting dog training, it is best that you know your options well. These days you can find many types of dog training, in many different places. These trainings vary in price and each one them has something different to offer.

The first type of dog training is known as puppy preschool. This is a dog training course meant for puppies that are about 6 weeks to 5 months old. These puppy preschool classes generally last for no more than 6 to 8 weeks. In these training sessions, your puppy is essentially taught how to socialize with people and as well as other puppies. Here your puppy also begins to learn how to sit down, stay at a place, and how to come.

The second type of dog training course is meant for the dogs that are at least 5 months old. This type of dog training is known as the basic dog training. The duration of these classes is usually about 8 to 10 weeks. This is the basic course, where your dog is taught the art of walking properly on a leash, sitting, staying, coming and heeling.

The third type of dog training course is known as the intermediate dog training. This dog training aims at teaching the dog mostly the same things that are taught in the basic training course, in a more detailed form. Here the dog is trained to stay for a longer span of time, and is also taught to follow the orders given by other people.

The intermediate dog training generally lasts for about 8 to 10 weeks, and is meant for those that are no less than 5 months old. It is essential for the dog to have completed its basic dog training course, or to be accustomed to the basic commands that could have been taught by the owner.

The next type of training course is known as the advanced dog training course. Here, once again, the course is quite similar to its previous one, i.e., the intermediate dog training course, except for the fact that this time it is more detailed. Here, the dog is taught how to sit even without you in the view.

This training course is about 8 to 10 weeks long, and is meant for those that have completed their intermediate training. Here, they are also trained to walk beside their owners without a leash. Moreover, it gradually prepares the dog to take the Canine Good Citizen training course.
The Canine Good Citizen training for dogs is the last course. To pass this course, your dog will be taught the 10 necessary aspects.

This course is strictly meant for those dogs that have completed all the previous courses. The test is quite tough and can only be passed if the dog is really well behaved. Depending on whether your dog can pass, the course can last for several weeks.

Keeping this information in mind, you should be able to decide the dog training course best suited for your dog. However, you may seek the opinion of your local dog trainers to know more. Many trainers consult for free. So now you should be at least a step closer to introducing your dog into a training course!

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Oct 132021
 

There are Search Engine Optimization (SEO) techniques that work and there are also supposed SEO techniques that do not work. It is up to you to find what will be most effective for the purpose of bringing more traffic to your website. In order to know how to optimize your site you need to know what the practice of SEO really is. A comprehensive definition of Search Engine Optimization is the following: The act of designing and marketing a website so that it ranks high in search engine results. SEO is accomplished in a variety of ways.

One of the most important components of Search Engine Optimization is making sure that each page of a website consists of specific keywords. This is usually done by providing content such as articles or blog entries which contain these specific words. Along with that, it is recommended that site owners or operators only concentrate on one primary keyword (and its synonyms) per page. All the primary keywords on site pages are the base keywords from which are drawn more keywords. For example, a site owner may write an article that contains the primary keyword “budgeting”, and then from there are drawn secondary keywords such as financial budgeting, budgeting software, personal budgeting and so on.

You will even be able research some of the secondary keyword phrases and find even more specific keyword phrases to use on your pages which are drawn from them. For instance, you can derive “personal financial budgeting” or financial budgeting software from the phrase financial budgeting. The more specific the keyword phrase that you choose for the page the less competition you will have for a spot high in the search engine results for that page. Therefore, one piece of advice is to try to find as specific of keywords as possible which will draw a fair amount of traffic to your website. However, one word of caution is not to put too specific of keywords on your page that no one would use to search for items. Otherwise, that keyword will bring little to no traffic to your site.

Another very important aspect of SEO is the process of link building. Simply put, the definition of link building is the act of acquiring inbound links to your site from other websites. Link building is accomplished in quite a few ways. One of the ways to build links is to join link exchange groups where you can offer your website link in exchange for someone else’s. The trick to making this work for you is to gather as many relevant links from others as possible and place your site on the pages of those whose websites are of a similar subject as yours. Mutual (reciprocal) link exchange is often also though of as a great way to advertise for free as well, and can be done automatically or manually. However, you should do it manually because it will keep you away from bad neighborhoods.

Always try to provide excellent value to your visitors, which in turn can get you links from authority websites. There are also other ways to help improve your site’s popularity as well. For instance, you can join free blogging sites such as Blogger.com. When you create a free blogging site you can add links to your other website(s) and this helps increase the number of visitors that view your site pages. You can also make your site more well-known to people when you list it in e-zines, free and paid search directories, search engines, and newsletters. There is also the possibility of promoting your site by presenting podcasts, streaming video and audio, and other publications which will increase the amount of site traffic you will receive. There are countless other offsite and onsite SEO techniques that you can. Offsite techniques are measures that you take outside of designing your website (i.e. link building) in order to promote your website.

Onsite techniques for SEO are ones that involve designing your site (i.e. providing relevant content and placing primary keywords in title tag) in a way that web crawlers will be able to read it, which increases the likelihood that your site will be listed at the top of search engine results. Make your site valuable for your visitors, keeping search engines in mind; and try gaining links from authority and relevant websites.

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Oct 122021
 

If you want to make money, you have to invest money. This is same in business. Whether you want to launch a new business or want to expand the current one, the basic requirement is to invest money. Considering all these things, unsecured business loans have come in the loan market.



Actually unsecured business loans loans are meant for those businesspersons, who own a small business or planning to set up a small business of their own. As compared to secured loan, unsecured business loans are available with short repayment period and are usually small in amount. It is because in unsecured business loans you are not offering any security for the loaned amount. However, absence of security is the biggest advantage also. Because here a borrower remains stress free and it is the lender alone who bears the risk of these loans.



Now, as long as the loaned amount is concerned, you can avail money ranging from £50,000 to £100,000 in unsecured business loans. However it is lender, who decides the amount of the loan, based on your income, credit record, and repayment ability etc. You can return these loans in the form of monthly installments between 1-10 years.



Unsecured business loans can be obtained for many reasons like:



▪Reconstruction works of your office



▪Purchasing machine tools



▪Expanding the existing firm etc.



As unsecured business loans do not require any security, a borrower gets the chance to avail these loans quickly. It happens because no valuation of collateral is required in these loans. Moreover, less paper work is needed in unsecured business loans. However, the loan lending process will be quicker if you access these loans through online method. This method gives you the chance to opt for innumerable lenders with attractive loan quotes.



You can avail money ranging from £50,000 to £100,000 in unsecured business loans. As unsecured business loans do not require ant security, a borrower gets the chance to avail these loans quickly. It happens because no valuation of collateral is done in these loans.

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Oct 112021
 

When you are shopping around for a cash loan to meet some urgency or regular payments, usually it is your bad credit that pinches the most. But that is not the case with especially designed bad credit cash loans. Bad credit cash loans are offered to people, especially salary earners, in a hassle free manner.


There are many reasons that a lender while offering cash loans can afford to ignore bad credit of the borrower. First of all the loan amount involved is very small of say up to £1000 and even smaller in most of the cases. Secondly bad credit cash loans amount is approved on the basis of what the borrower is earning per month. Bad credit cash loans are provided till time the borrower gets next paycheque and the loan is paid back through salary check it is enough to cut risks for the lenders. So, smaller amount and shorter repayment days of say two- three weeks cut the risks to facilitate for bad credit cash loans.


Another reason behind ignoring bad credit is that a cash loan comes at very high interest rate. The lender will not let go an opportunity for earning high interest in few days. Besides, high interest rate also ensures that the salaried person would be returning the loan in time for escaping enhanced interest rate. So the lender approves the loan without a hitch.


With all risks being remote, lenders approved bad credit cash loans instantly like any other cash loan. The loan amount comes in the borrower’s account in 24 hours of applying. Compare different bad credit cash loans interest rates for a suitable deal before approaching a lender. For instant approval apply to an online lender.


Bad credit cash loans are provided in a smooth manner to bad credit salaried people who earn a fixed salary per month. Bad credit in fact is not at all an impediment as risks for the lender are remote for host of reasons. Read the article for why lenders offer bad credit cash loans without a hitch.

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Oct 102021
 

A big part of flying is getting to and from the airport; there are many ways in doing so. Some options are cheaper and more convenient than others, however many travelers (Self Included) tend to procrastinate. We delay finalizing the small details when booking a trip away because we’ve been led to believe that in some instances when bookings are left to ‘last minute’ it yields greater discounts

It’s almost an irritation thinking about things such as parking especially when there are so many other pre-travel tasks. Your choice of transportation is most likely dependant on convenience, comfort, reliability and safety. As being one of the world biggest procrastinators (this might be an over exaggeration – but it rings true to me), I’ve come to discover that there are definitely greater benefits in pre-booking airport parking through a site called save-on-parking.

As Manchester airport flies to 75 destinations worldwide; it’s one of the largest airports in the UK outside of London. Convenience and hassle free traveling is what all regular travelers are looking for.

Cheap airport parking is now made available by save-on-parking it also provides services such as choices of on & off parking options which includes a meet and greets facility and free transfers to and from the airport.

The internet has become the world’s leading source of information. It’s provides us with a level of convenience that we, the consumer never before imagined. Nowadays there is no need to leave the comfort of your own home and queue for what you want. This allows us to shop for the best deal on unusual products and services such as airport parking to be no hassle.

Online parking aggregators such as save-on-parking, deal directly with car parking companies to secure the best deal for you. Many of the individual car park companies do not have their own websites and it would probably take a lot more work to attempt to make an additional saving booking directly than it would booking through an aggregator.

It seems most travelers, when traveling abroad follow the sun. Seeing as South Africa is listed as being one of the most traveled to destinations by UK citizens. Manchester airport now has flights directly to and from Cape Town and Durban.

My advice to you is take advantage of discounted airport parking rates (up to 30% on the turn up rate) when using save-on-parking. Cheap airport parking is now made available at one of the UK’s busiest airports.

For more information please visit http://www.save-on-parking.co.uk

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Oct 092021
 

Having worked in the field of custom writing for years custom essay writing service ProfEssays has acquired rich and unique experience and become the most reliable, comprehensive and effective custom writing service that charges moderate and affordable fees. The types of works it accomplishes embrace: custom essay, term paper, academic paper, research paper, admission essay, composition, course-work, book report, case study, thesis, dissertation, editing, resume services, creation of sites content and others. If you realize that circumstances are against you and on some reason you can t or don t want to compose an essay, term paper, research paper etc., then our professional experts will do their best to write an excellent paper on your behalf.

ProfEssays have been thoroughly selecting its team among talented and experienced writers and editors. All members of our writing team are university graduates; many of them hold a Master s or PhD degree in their field. Vast experience and the professional attitude of our writers and editors are the crucial factors contributing to our success in the custom writing market. Each writer employed by our company does his job honestly, no matter how challenging the assignment may be. Professional writers and researchers, who understand the subject matter better than most students, can easily handle specific written assignments that require far more time and effort for virtually any student.

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Oct 082021
 

Selecting a digital satellite service provider is fairly easy since there are only two main companies from which to choose – Dish Network or DirecTV. Comparisons are similar with the determining factor being personal preference of programming. Dish Network offers more choices per entertainment dollar than any provider on the market, and gives you more viewing options. Dish Network has an audience of more than 12 million customers and is rated at the top in customer satisfaction by J. D. Power and Associates. This rating, alone, assures quality services and performance. If you prefer movies and family programming over sports action, then Dish Network is your provider of choice. Dishnetwork continues in their efforts to provide the best television technology at the most affordable prices.

Excellence in home entertainment is provided with Dish Netwok’s offer of free digital satellite equipment – including a Digital Video Recorder (DVR) – with professional installation. Up to 4 rooms are equipped to intercept Dish Network’s digitized programming signals to bring you the clearest imagery and sound quality possible. Satellite signals are converted into standard or high definition resolution format for crystal-clear pictures and CD quality or Dolby Surround sound. Reception is free of interference with programming options being unlimited. The DVR is an enhancement to any entertainment system as it enables one to record and digitally store up to 100 hours of favorites for viewing at more convenient times. Features abound on the remote to allow control over how television is viewed in your home. Block inappropriate programming using the Parental Guide option for title, channel, or rating. Recording is simple with on-screen commands to allow you to create a collection of favorite movies, music, or sports events. Stop live programming for unexpected interruptions and resume viewing without missing a moment of your show. Create special shows or replays of action for sharing with family and friends over and over again. This addition will prove to be priceless to those who lead busy lives outside the home and can’t always be in front of the TV at broadcast times. Simply set the DVR to record and enjoy at your convenience.

Programming has never been better than now at Dish Network. More than 256 channels of popular channels are offered in packages varying in number of channels and prices. Each package contains many selections of news channels, movie channels (more than 500 different movies per month), sports channels, children’s channels, a channel for babies, adult channels, interactive channels, VOOM high definition channels, international channels in foreign languages, karaoke channels, history channels, life-style channels, and more. Specialty packages of more sports channels and high definition channels are also available. Boredom and channel flipping will be a thing of the past at your home.

Check out the package lineups today. Click on Dish Network Promotion now for the current offer as well as more information on digital satellite television services. iDishNetwork, a Dish Network retailer, offers wonderful promotional incentives in addition to those offered by Dish Network and will process your order in a very professional manner. iDishNetwork offers next day Installation service in most areas and will schedule installation at your convenience. Your complete satisfaction is Dishnetwork’s main goal. Act today and join others as they enjoy the best of tomorrow’s technology today.

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Oct 072021
 

You’ve heard it, right? Content is KING. If you want higher rankings, more visitors, etc. you need fresh, original content and lots of it. But who has time? Well, there is a possible solution, Private Label Rights.

Private label rights (PLR) are one of the hottest things in Internet marketing today. Everybody wants to know what they are and, more importantly, what benefits they can get out of them.

In essence, PLR is a kind of license you acquire for material, which allows you to change and edit existing material and call it your own. Without having to do a lot of work, you could be credited as the author of the material and not have to worry about any violations in copyright.

Not a lot of people know about the PLR articles, much less why they should pay attention to them. Give yourself the edge and find out why you should know all you can about PLR and how you can profit from them in the most efficient and effective way possible.

1. Saves time and effort.
You probably already know how much work and time it will take to write an article. On average, a single 700-word article will take about two hours to compose from scratch. If your intention is to create a website with over 50 pages, then you can see how daunting and time-consuming the task of simply writing content will be. PLR articles will save you this time and effort.

2. All credit goes to you.
You are under no obligation to credit the original author for PLR articles. As such, when you publish them on your website, no outbound links and advertisements will be there to distract your visitor / customer. All links will be focused on your brand and your affiliates.

3. Saves you money.
This point requires a different point from saving time and effort simply because of economics. Hiring writers to create content for your website averages about $15 per article. If your site were to hold even just 20 articles that you need to update regularly (say every two weeks), you’d see how the bill could add up.

But if you were to acquire PLR for a set of articles, you could save money because of the economics of scale. Articles are bought at bulk and as such it is possible to get your hands on 200 articles for only less than $30.

4. Editorial freedom. You don’t like how the article is written or the information it is presenting? PLR allows you to change the material right away without needing to ask permission from the writer. This is also especially useful for optimizing your website for search engines since you can enrich the content with keyword phrases to improve your rankings in SERPs.

5. Create a brand for yourself. Today, it’s all about distinguishing yourself from the rest. PLR articles allow you to provide content that is both relevant and updated. By doing so you build a reputation with your target audience as an expert. And since people would much rather go with someone they trust, your chances of return visitors increases significantly.

6. Get professional results. Many of the writers who offer articles with PLR are professionals and have access to the latest information regarding your field of interest. By acquiring the rights from them, you avail yourself of their professional results without having to retain their services regularly.

With one set of PLR articles and some creativity on your part, you can extend the life of the articles to the point where the content has more than paid for itself. So when sourcing out a supplier for PLR articles, ask for sample works to demonstrate the quality of articles you would be purchasing.

Now that you know why you should seriously consider getting PLR articles, here are some ways to get you started on profiting from them.

1. Compile a list or report. You can consolidate a series of articles of a similar theme and package them as a report or listing of information. While you may think that anyone can do this, you’d be surprised how little of this is done.

Many people don’t have the time to read or the willingness to read several articles at different times. Providing them a simplified version of the information they want will be a welcome offer for your visitors. You can either give away the report for free, sell it as your own product or use it as content on your website.

2. Use PLR content to create a series of small articles. This is especially useful when producing material for an email campaign. A series is by far, one of the more effective ways to create a following with your audience.

Give enough to allow them a feel for what you’re offering and hint at giving more of the same if they will subscribe to your mailing list. In turn, your emails promote your website by inviting them to visit you on a more regular basis.

3. Produce ebooks. It is very possible for you to take a set of PLR articles and come up with an ebook, for which you can credit yourself as the author.

Since you have created an entirely new product you could repackage this and sell this with your own resale rights. Just like you, there are people who are looking for material they can use for their own promotion needs so cater to this market as they are increasingly growing in number.

As you can see, using PLR articles are not only effective in providing truly useful content. They are also cost and labor-efficient, which means you can focus more of your time to more important matters, whether they are for business or otherwise.

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Oct 062021
 

Insurance fraud is one of the biggest problems facing the insurance industry today. It is estimated that between 10% and 33% of all insurance claims contain some element or degree of fraud. Each year, fraud costs the insurance industry $96 billion. And in just the Property and Casualty industry alone, insurance fraud costs are more than $23 billion.

But some are doing something about it. FraudChronicles.com (http://www.fraudchronicles.com) sponsored by independent investigators David Morse & Associates, gives information and resources on how to fight insurance fraud. The site also features stories of successful investigations that resulted in the bust of a fraud perpetrator. And when a fraud perpetrator is busted, that helps everyone, because it helps to bring insurance premiums down.

Dance with Me to the Hospital Darling
By Jim Smith, Deputy Director, DMA Investigations

“Through years of investigations, I have often found it to be true that a fraudulent claim is a solution to a problem, and if you find out what the problem is that the person is having, you have the solution to your fraudulent claim.

“Something didn’t seem right. A nurse had claimed a significant knee injury. She returned to work, then had to take off again, then back to work, then off again.

“Your trusty investigator was called in to do some surveillance and try to find out what this woman was doing while off work on a Workers Comp claim, with her significant knee injury.

“We observed and filmed her doing a wide range of normal activities, such as shopping, driving, and taking her kids to school.

“The fact that the subject showed no signs of bodily distress – the knee was not wrapped, no cane or crutches, plus the fact that she was conducting normal activities with no apparent difficulties – was the red flag that justified more surveillance.

“Shortly thereafter we filmed the subject being transported by ambulance to the hospital Emergency Room, screaming and hollering and making a fuss. In the ER, she claimed she had slipped in the shower, and demanded a specific heavy pain medication, which she was given.

“Within a week, we got film of the subject out bowling with hubby and friends for two hours, again with no apparent difficulties. Hmm.

“Within seven days of bowling, Mrs. Free and Easy turned into Mrs. Drama Queen again, with another ambulance transport to the hospital, once again screaming and hollering. Once again in the ER she said she injured herself, again by herself with no witnesses, and once again demanded her specific heavy pain medication. Doctors noticed that the type of medication demanded seemed inconsistent with the degree and type of injury.

“More surveillance was indicated. A week after the high drama ride to the ER, we got an anonymous tip that the subject had a wedding anniversary coming up, and had a big shindig scheduled at a rented hall. We suspected she might have been bragging about her time off on the company dime, and that angered one of her friends enough to tip us off. Anyway, our intrepid investigator managed to get an invitation to the party!

“So we attended the party, and surprise, surprise. We found, and filmed, our subject dancing the night away for two hours. No screaming, no hollering, no ambulances. Party Queen instead of Drama Queen.

“Shortly thereafter, the subject was interviewed by her employer, and confronted with the film we had taken, and the fact that she appeared completely normal with no knee difficulties (while out on a Workers Comp claim), other than during her hysterical trips to the hospital. Someone who is so injured they can’t work, is not usually found bowling and dancing for hours at a time.

“She finally confessed to the fact that she was addicted to painkillers. She had a prescription for these, but when the prescription would run out she would fake another injury or relapse, along with a highly dramatic trip to the ER, so she could get another fix.

“So the problem (addiction to painkillers) caused her to fake a claim. Our film of inconsistent behavior broke the case and elicited the confession. We heard she was in rehab shortly thereafter.”

Another victory for truth, justice, and lower insurance premiums.

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