All that is to know after a bicycle accident

A bicycle accident takes an instant to happen and can have long-term effects. Motorists have insurance to repay the bicyclists they injure. But nothing can take away the pain and suffering. Compensation for a bicycle accident injury should be full and fair, and Johnston Law firm ensures that. It has a proven and winning track record for representing bicyclists against motorists and car drivers who injure them.

Compensation in cases of bicycle accident injuries

Damages compensated to injury victims include medical expenses, lost wages, pain, and emotional trauma, and any other medical care that follows. If Johnston Law Firm takes your case, an immediate investigation is started by the attorney. Sometimes few essential factors are not apparent until the investigation begins. The most common reasons for bicycle accidents in Portland include:

  • Speeding your automobile and going too fast
  • Failing to yield for bicyclists at traffic signals
  • Aggressive driving methods including tailgating and improper passing without following traffic rules
  • Distracted driving leads motorists to enter the bike lanes
  • Drunk driving, driving under the influence of drugs or medicines

Poor Infrastructure in Portland

Dangerous road conditions and lack of proper maintenance are the second most causes of bicycle accidents in Portland. It includes uneven road surfaces, proper bicycle lanes, broken traffic signals, numerous potholes, and gravel roads.

Even the most cautious bicyclists can get into severe accidents in Portland. After such an accident, one must do the following:

  • Immediately it would help if you got medical attention for the injuries regardless of how minor or trivial they may seem.
  • Report the accident to law enforcement.
  • Remember to describe the driver, the vehicle, and the time/place where the accident had occurred.
  • If possible, get pictures of the accident scene, the vehicle involved, and your injuries
  • A copy of the police report that contains contact and insurance information for the at-fault driver should be taken.

Working with a bicycle accident attorney after an accident is a wise decision. They can handle the essential elements of the case, negotiate a settlement offer, and represent you in court. Determining the value of your claim should always be approached with caution. Also, if you have insurance, the insurance company must be notified of your accident. You should also make sure the at-fault driver’s insurance company is also notified.


How it works and types of proxy connections

Different methods of data exchange are used to connect the user to the network. One of these types is a proxy, in which subscribers are connected to server systems using remote intermediary computers. The functions of this link are to process and encrypt user requests and responses from addressees.

How proxies work

When accessing the Internet, subscribers receive certain IP addresses. This is a set of numbers compiled according to special algorithms, designed to identify users. They contain codes of states, regions, data of providers, personal computers from which the request was made. The same unique addresses are assigned to intermediary servers. The signal from the subscribers is sent to the remote platform, processed there, and as a result, the addressee receives a signal from a different IP. In this way, the user retains his anonymity, it is more difficult to track him on the network.

To use a proxy connection, you must set the appropriate settings in the browser you are using. All subsequent requests from a PC or local network will first be directed to the remote server. After processing, checking the correctness of the data, the subscriber connects to the required resource with a new IP address.

Reasons for using a proxy

The main purpose and function of a proxy is to ensure anonymity on the network. This method of connection is often used to bypass IP blocking of individual states, regions, and specific users. In addition, there are a number of other important reasons for using an intermediary link when accessing the Internet:

  1. Sending anonymous messages, emails.
  2. Ensuring confidentiality of information.
  3. Increased connection security, additional protection of local PC databases from hacking, hacker attacks.
  4. Many companies and providers use proxies to restrict user access to certain unsafe resources, sites with prohibited content.
  5. The ability to connect to the Internet with one IP local area networks from multiple computers.
  6. Saving traffic. After processing the data by the proxy server, the subscriber receives information from the resource in a compact volume.
  7. Reducing the load on the connection channel, the destination resource. Caching files with subsequent storage on proxy servers increases the efficiency of data access.

Many platforms, and in particular Proxy-Seller, provide free services for connecting a user to the network through a proxy. Paid servers provide more reliable, faster and more secure connections. You can also install special software that will allow you to test the speed, monitor traffic, apply various filters, for example, select a region code.

Proxy connection types

Proxies can be conventionally divided into groups of transparent and reverse communication schemes. In the first case, traffic is fully or partially redirected to the remote computer without any additional configuration. The reverse scheme uses connections through one powerful or multiple servers. In this case, both the subscriber’s requests and the recipient’s response signal are processed. This method provides more reliable protection, data anonymity.

There is also the following classification of proxies:

  1. The most common, universal connection protocol. Supported by almost all browsers, websites and software.
  2. Anonymizer, which can only be used through browsers, there is no special software for it.
  3. Differs in increased security of connection and data transmission, is often used by corporate networks to protect against external attacks.
  4. Requires the installation of special software on the computer and in the browser.

In general, a proxy is a reliable way to ensure anonymity on the network. All browsers support connection via remote servers; using this scheme increases the protection of databases from hacking.


Three things to know about North Carolina divorce

It takes considerable work, effort, and understanding to make a marriage work. When a marriage has failed and divorce seems like a better option, it’s time to seek legal help. North Carolina allows for no-fault divorce, and you can actually file papers on your own. However, it is important to understand and appreciate that divorce is more than just filling out forms. You may have to decide on important aspects, like child custody, alimony, and distribution of assets, and for that, talking to a Charlotte divorce lawyer is prudent. In this post, we are sharing some quick facts related to divorce in NC. 

Divorce in North Carolina can take time

To file for divorce in the state, you and your spouse must have lived separately and apart for at least one year, prior to filing. This doesn’t mean just two bedrooms of the same house, but two separate residences. State laws in North Carolina allows time to couples to sort various important marital matters. Even in case of child custody, courts usually ask co-parents to attend mediation and consider coming up with their own agreement related to child custody and support. Once the important financial and other matters are resolved, you can be done with your divorce. In any case, it is wise to go slow with your divorce. Take time, so that you have enough scope to evaluate every decision twice. 

Division of marital property

North Carolina allows for equitable distribution of marital property. This doesn’t mean equal. The court will identify and classify assets owned by the couple, and decide on a division in an equitable manner. If you inherited assets or had invested in properties before you marriage, let your attorney know. 

Child custody laws

Like we mentioned, the court will usually encourage the couple to sort child custody between them and sign an agreement acceptable to both. You can decide on child custody without an agreement too. The other option is a court order, but in NC, only a few child custody cases come up in court. Co-parents have the choice to change the existing agreement as needed in the future. If the court is taking decision, the ‘best interests of the child’ will be considered. 

Get an attorney 

There’s no denying that child custody is an emotionally-charged subject, and spouses often don’t agree on things as parents. When that happens, having an attorney by your side will help in negotiating better. 


5 ways to stay competitive in 2021

The pandemic crisis urged many companies to change the way they operate and adapt their business strategy to the so-called “new normal”. Staying ahead of the competition is complicated and winning over customers is hard as never before, given the circumstances. These are the five strategies that will help your business to stay competitive in 2021.

Put your customer needs in front

Customers’ needs are changing along with the demands. Having a clear understanding of what your consumers want will significantly increase your competitive advantage. A simple conversation at every stage of interaction or more comprehensive surveys and advisory groups will help to identify gaps for improvement and oversee the opportunities in the long run.

Invest in technology

Technological advancements brought various benefits and opportunities to the business world. Investing and deploying technology will save time and money while enhancing overall work efficiency and productivity. This is a great way to outperform the competitors and provide your customers with a better product or service.

Outsource business processes

Many companies outsource their non-core functions as a way to increase efficiency and save money. Besides of many benefits that this process poses, it is a great way to stay ahead of the competition through operational flexibility as a means of focusing on high-level strategic tasks. The key is to choose an outsourced firm that will deliver upon your goals and expectations. A BPO company Helpware is proven to provide high-quality services within customer support, back-office, marketing, and video & image annotation. With years of experience, this company can bring your business closer to success.

Formulate clear short-run and long-run goals

Defined goals and objectives for your business will significantly help you to stay ahead of the competitors. Formulate what and when you are planning to achieve, which strategies to pursue, and the results you wish to accomplish. Your goals have to be aligned to the SMART criteria (Specific, Measurable, Attainable, Relevant, and Time-Bound), which will help in your decision-marketing process.

Invest in your marketing efforts

Today’s world is extremely digitalized, which requires a constant online presence to stay competitive. Enhance your online marketing through different channels, develop a strong promotional strategy and SEO, and get the most of digital marketing. In return, you will get greater customer satisfaction and engagement, and, most importantly, a higher return on investment.


5 Must-Have Important Features of a Good Credit Card

A credit card comes in handy for various transactions anytime and anywhere, whether you’re shopping online or visiting a mall. If you need cash, you can use the card to withdraw from your closest ATM. If you need to make an urgent payment, like for a medical emergency, the card is very useful there too. It is also convenient to carry. Additionally, if you pay off your dues on time, you can enjoy all the benefits without paying any interest fees.

So, here are 5 important features that a good credit card has.

#1 – Lowest Interest Rate

Interest charges are levied by the issuer if you are unable to pay the dues by the due date. It is good to be aware of this date and plan your financials such that you have the money when the payment becomes due. However, there may be times when this is not possible. In such circumstances, it helps to have a card with the lowest interest rate.

A credit card with the lowest interest rate ensures that:

  • The charges are much less when you are unable to repay the outstanding amount.
  • You can make the complete payment more easily.
  • You can clear your dues faster and maintain a good credit score.

There are some things you can do to lower the charges:

  • Try to keep your credit card spending within your budget.
  • Pay as and when you have money, instead of waiting for a day on which you have the complete outstanding money ready with you.

#2 – No Annual Maintenance Fees

Some issuers charge an annual maintenance fee to keep your credit card account open and continue using the benefits. A good credit card comes with zero annual fees. Even better, a lifetime free credit card never charges annual fees for your life!

#3 – Zero Over-the-Limit Fees

When you use your credit card for transactions exceeding the assigned credit limit, an over-the-limit fee is charged. Luckily, some credit cards don’t charge this fee at all. This can help when you need to buy certain things, like furniture for the house or some home appliance or pay for some repairs before selling a home.

#4 – Reward Points

Always check the reward points offered when comparing credit cards. This means, every time you spend money, you earn some points. You can redeem these when you need to buy something.

The best credit card boosts your experience of earning rewards with the following offers:

  • Up to 10X reward points or credit points.
  • Credit points aren’t capped. So, they’re limitless!
  • No redemption fees on using rewards.
  • Credit points don’t expire. So, you won’t lose them!
  • More reward points on online credit card transactions than offline.

#5 – Offers at Multiple Partner Merchants

Some credit cards have tie-ups with many leading merchants and popular brands. These cards offer time-to-time discounts on:

  • Health and wellness services
  • Travel
  • Shopping
  • Education and upskilling
  • Dining
  • Other services

Regularly check the site issuer’s site to know which deals and discounts are currently being offered.

Pick a credit card with useful features and various benefits. Being aware of the facilities allows you to use them smartly.


How to increase foot traffic to your business and boost sales

Although the world of shopping has largely turned to online means for buying and selling, maintaining foot traffic to your physical business is still crucial for forming long-lasting customer relationships, loyalty, and providing service. Customers that shop in-person have the chance to experiment with your products and ask questions before buying in a more personal face-to-face setting. Here are some ways to increase foot traffic to your business and ultimately boost sales by building customer relationships in-person.

Offer an In-person Only Sale or Coupon

An easy way to get customers through the door is to offer an exclusive, in-person only coupon, sales event, or discount. Alternatively, having a “first come, first serve” sale with limited inventory is also a great way to encourage customers to visit your store. These methods provide incentives for consumers to take the time to drive to your store and get to know your business more personally than just through your online presence. Additionally, offering fun events like a free giveaway or prize drawing can also attract customers to your business.

Refresh your Signage and Branding Materials

Make sure your storefront is appealing to customers by using an up-to-date and vibrant sign that markets your business and your brand or logo. If you are using an aged or damaged sign, contacting a sign repairs company is a great first step to ensuring that your store makes a good first impression to customers. Signs that follow contemporary design trends like minimalism and abstraction are more likely to entice customers. Also, regularly refreshing your branded social media pages and website helps to attract new consumers and visitors to your store.

Use Online Tools to Advertise Effectively

Market your in-person store to consumers by regularly posting on your business’s social media pages, blog, or website. These online platforms can be a great way to inform a wide audience about your upcoming in-person sales and increase foot traffic and participation for them. Optimizing your online presence is crucial for informing new customers about your business and for identifying new or changing target audiences. Customer-written online reviews are widely trusted by consumers, so encouraging patrons to make testimonials or comments on your website or social media sites is a great (and free!) way to draw in customers.

Overall, there are many ways to increase foot traffic to your physical business or store. Offering in-person discounts or coupons, updating your signs and branded materials, and building a strong online presence to reach your audience can help increase visitors to your store and thus boost your sales over time. Be sure to be creative with your in-person events to draw in new potential customers!


How can CHP be the new solution for the generation of electricity?

Combined heat and power system or CHP is the advanced technology invented to generate electricity with minimum fuel or a single fuel source. It is proven to be the most effective, low cost and fast way of generating electricity. CHP plants can be quickly built in one place, and they can adapt themselves to the needs of an area or a commercial building. This new innovative trigeneration solution can not only produce electricity and heat but also cold.

How are CHP components taking efficiency to another level?

CHP is designed to meet the challenges of day to day needs of the people, it looks into the load requirement of the people, and its efficiency rate is about 95%. The heat produced by the gas engine is used to produce cold. The components of CHP taking efficiency to another level are:

● CHP turbine

The ideal solution for CHP technology is gas turbines. The exhaust system produces heat, which helps make steam, chill water, hot water, or both combinations of all three of them. The turbines are very easy to maintain, and they can quickly adapt themselves to future needs. It has fuel operation flexibility. Hence, you can easily install and use the turbine to supply electricity and other facilities in your area.

● CHP engine

CHP engines are ideal for generating electricity and hot water. The heat to power generation ratio is higher than 0.8. The technology can meet the demands of electricity, and it is flexible to produce electricity and supply throughout the year. These systems are also very easy to maintain and are compact.

Benefits of using CHP system

If you want to generate electricity on the site and save money, a combined heat and power system is ideal. It can produce more than 1 MW of electricity and can supply power to a whole area. The benefits of using the CHP system are:

  • Use a range of appliances: You can use a range of different devices and use electric power. You will have no blackout tension, and you can use the heat to produce hot water or even cold.
  • Easy assessment:It is essential to assess the heat and power requirements of the area. The CHP supplier must know if the power supply is meeting all your needs.
  • Cost-efficient:The CHP system helps to save you a lot of money. You do not need to go to any spa as you will get all the services from steam to hot and cold water in your house. You do not need to give huge bucks to the electricity supplier.  You will have the power to choose electricity and satisfy your needs.
  • Energy-saving: If you can produce your electricity and hot or cold water, then you are helping to maintain positivity in the environment. The continuous use of coal to generate electricity is depleting the environment. Hence, CHP is helping to save energy.

If you want to lower your carbon footprint and help save your surroundings from increasing pollution, then it is time for you to use these new technologies. These technologies are eco-friendly and will try to mend all your needs in the future.


5 differences between Proforma Invoice and Purchase Order

Both purchase order and proforma invoice are commercial documents that are used in international transactions. Most individuals get confused about the use of these two documents. If you’re one of them, then this post is for you. Keep reading to learn how purchase orders and Proforma Invoice are different from each other!

Differences Between Proforma Invoice and Purchase Order

Here are the points of differences between the Purchase Order and Proforma Invoice :

1. Definition

Proforma Invoice: A proforma invoice is a document involved in international trade, which is issued by the exporter in order to conform to the terms and conditions imposed on the goods or services to the supplier in a written format.

Purchase Order: A purchase order is another commercial document involved in international trade that is issued by the importer in order to authorize the transaction.

2. Issuers

A proforma invoice is issued by the exporter to the importer as a written proof of agreement on the terms and conditions. On the other hand, a purchase order is generated by an importer to seek the attention of the exporter.

3. Delivery Terms

Proforma Invoice: Generally, the CIF, CIP, CPT and CFR delivery terms are more likely to need a proforma invoice instead of a purchase order. This is because these incoterms signify that the sellers are required to arrange and pay the main carriage charges.

Purchase Order: Under the delivery terms like FCA, EXW and FOB, importers can issue a Purchase Order instead of a proforma invoice because the main carriage is arranged and paid by the importers.

4. Business Status

Proforma Invoice: First-time orders always demand a proforma invoice more than a PO because the importers may not have the complete details of the transaction including the details of the shipment, which is required to generate a purchase order.

Purchase Order: If importer and exporter have involved in a good business relationship, meaning regular shipments are made from the exporter to importer, then a purchase order is used more than the proforma invoice.

5. Information Needed

Proforma Invoice: A proforma invoice is relatively easy and simple and it doesn’t require much details. This is the main reason why first-time importers prefer generating it when they don’t have a lot of information about the exporter.

A proforma invoice requires the following information :

  • Complete Customer Details (The details of your company)
  • Supplier Details (Details of the exporter)
  • Port of discharge
  • Delivery address
  • Product details(type, quantity, weight, etc)
  • Unit price
  • Banking information

Purchase Order: A Purchase Order requires more details as compared to the Proforma Invoice. It should include everything in detail such as a detailed description of products including their name, color, type, size, material, etc. Further, other details such as product dimensions, designs, and material documentation is also required in a purchase order.

Here is what you’ll need to include in a purchase order :

  • Name of Product
  • Colors
  • Materials
  • Applicable Standards
  • File Attachments
  • Quantity

Apart from product information, a purchase order also required the following information :

  • Full details of your company
  • Contact person (Name, Contact info)
  • Purchase Order Number
  • Full details of the Supplier
  • Delivery Address
  • Incoterms (for example: FOB)
  • Requested delivery time

In addition, you can also include the unit price you’re expecting. However, note that the price will not be finalised until the supplier issues their proforma Invoice. But it’s still a good practice because it signals the supplier that you’ll not accept the products if the price goes beyond your expectations. In other words, it helps in negotiating with the supplier indirectly.

So, these are the five main differences between a Purchase Order and a Proforma Invoice.


Alternatives for Credit Card for payments

In today’s digital world, you want anything and everything completed as quickly as possible, and cards provide the option for payments. One of the biggest pros of a credit card is the EMI feature, which makes big purchases easy. But credit cards come with their fair share of downsides, which makes one curious to all and any better opinions available, especially whether you can avail the benefit of emi without a credit card. Here’s a little list of alternatives for credit cards.

  1. UPI

  • The Unified Payment Interface (UPI) lets you use  your mobile as a virtual debit card thanks to a new payment model. It has also made instant money sending and receiving possible.
  • What is UPI
    UPI is a  platform that brings together a variety of banking services and features into one place. To send and receive money, all you need is a UPI ID and PIN. A mobile number or a virtual payment address may be used to make real-time bank-to-bank payments (UPI ID).
  • Benefits

UPI payment is easy, fast, and secure. For transactions, there is no need to add a beneficiary. There are no processing fees on UPI purchases, unlike with a credit card.

  1. Debit Card

Credit cards and debit cards look nearly alike and can also make it simple and convenient to make transactions in stores or online, but they have a fundamental difference.

  • Debit cards allow you to spend money by withdrawing funds from your bank account.
  • Credit cards allow you to borrow money from the card issuer for purchases or cash withdrawals up to a certain amount.

When you use your credit card to make a purchase, the bank is legally paying for it, and you are obligated to pay the bank that amount once the bill is generated.

A debit card is more convenient and less stressful  because it allows you to spend within your financial means without accruing debt or incurring potential interest. Using a credit card is appealing because you can spend much more than you have available cash, but the downside is that you will ultimately be responsible for repaying the debt or loan.

  1. EMI cards

Nowadays, EMI cards are becoming a more common way to make transactions. EMI cards use the Equated Monthly Instalments concept to make the process of borrowing to finance a purchase easier and more seamless.

The Bajaj Finserv EMI Network Card is one of the most hassle-free and convenient EMI cards.

  • What is the bajaj finance card

The Bajaj Finserv EMI Network Card makes transactions simple by using No Cost EMIs. It includes a pre-approved loan that can be used to make purchases. You can then turn these costs into easy equated monthly instalments (EMIs) that you can pay back with great convenience. With the bajaj finance card, you can take advantage of a variety of exciting deals and discounts.

  • Why you should get the bajaj finance card

  1. Pre approved loan

    The Bajaj EMI card comes with a pre-approved loan. The exact amount is determined when you apply for an EMI card. Bajaj Finserv does not require any additional approval or authentication at the time of purchase. The card is used like a regular debit or credit card

  2. Big purchases

The EMI Card allows you to shop for almost everything, including lifestyle items, electronics, home, kitchen, and furniture products, fitness, travel, and fashion. These items are available for purchase on the Bajaj Finserv EMI Store or any of the online partner stores in India, which number over 84,200.

  1. Easy Repayment

    Repayment is simple and there is no down payment needed. It is a no cost emi option


It’s obvious that EMIs are a boon to millennials, so it’s only natural that financial payment instruments have created a way to borrow without delay when making those purchases. The Bajaj Finserv EMI Network card was well-received.

They function similarly to a credit card in that you must swipe them to complete the transaction. They do, however, cater to individual transactions, making them more tailored to the needs of any prospective customer.




All you need to know about the Claim settlement ratio of Term Insurance

Term insurance is the most suitable life insurance plan that provides you with a significant life cover at a relatively cheaper premium rate. With term insurance, you could have the best financial protection for yourself and your family.

Along with this, it also offers death benefits within a specific duration if the covered person dies. However, it would be helpful if you always considered the Claim Settlement ratio term insurance provides. CSR is an essential parameter that you must not avoid and check while choosing an insurance policy.

In this article, we will discuss the Claim Settlement ratio that term insurance provides.

What Is A Claim Settlement Ratio?

The total number of claims paid against the total number of claims filed is known as the claim settlement ratio. Thus, you must have a higher claim settlement ratio. CSR is quite essential when it comes to selecting a term plan.

So, you must check the Claim Settlement ratio term insurance offers. IRDA (Insurance Regulatory Development Authority) measures CSR every financial year.

Why Is Claim Settlement Ratio Important?

The claim settlement ratio is quite vital while choosing an insurance plan. With CSR, you can easily know if the company is trustworthy or not. It is good at disclosing the company’s credibility. Moreover, it would be best if you went with the option that has a higher ratio, as it would be much more beneficial for you than the lower settlement ratio.

Apart from this, you should also understand that CSR is measured for every product of the company, so you must also look upon the Claim Settlement ratio term insurance provides on the different products and their consistency achieved over the years.

Factors That Influence Claim Settlement Ratio


If the policyholder, by any chance, cheats with the insurance company, and the company finds fraud claims made by prospering, then there could be a definite decline in the CSR.

2.Nomination Upgrade

The nominee’s name is always supposed to be there in the insurance proposal form. But if by mistake, the name of the nominee is missed in this column, then the company won’t be able to process the claim.

3.Non Disclosure

If you don’t disclose all your health problems and the insurance company finds out that you’ve been hiding your actual condition, the company could also reject your claims.

Claim Settlement Ratio Validity

Claim settlement ratio term insurance is a crucial parameter, but other reasons state the importance of claim settlement ratio like:

  • Vigorous sales
  • Scam committed by customers
  • Early claims
  • CSR does not pertain alone to term insurance

The Bottom Line

The term insurance offers coverage in natural as well as unnatural death. But, it would be best if you never got a plan without considering its Claim Settlement ratio term insurance provides.

Moreover, by doing an online subscription and sharing your health and income details, you can easily claim the high amount. You must also look upon other variant features to get the most effective term policy along with CSR.