Students Of Success

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Social Security has a set of Impairment Listings. At one time “obesity” had an impairment listing. Thus, if the applicant was of a certain height and weight, then the applicant received Disability. For example, if you were 5′2″ and 300 pounds, then you were well on your way to winning a Disability Case if you had any impairments in addition to your “obesity”.

In 1999, Social Security changed the Rules and deleted the Impairment Listing for “obesity”. Social Security did say it would consider the effects of “obesity” with regard to other listed impairments such as respiratory impairments, cardiovascular impairments, and muscoloskeletal impairments (back problems).

In a recent case I had a young lady who was 400 pounds and had spinal stenosis. Prior to 1999, she probably would have met the Impairment Listing for “obesity”. Since the rules have changed, we had to go to a hearing before a judge and demonstrate the severity of her back problem. We won but the primary focus of the decision was on the back problem and not her “obesity.”

In another case I had the applicant was a man who was over 375 pounds with congestive heart failure. Again, prior to 1999 he would have met the “obesity” listing. Instead, we had the hearing and the judge denied the claim on the grounds he had not done enough to lose weight. The United States District Court reversed the social security judge and we are awaiting a new hearing. But again, this case shows the rules have changed and “obesity” no longer is the “slam dunk” winner it once was.

This may be considered AN ADVERTISEMENT or Advertising Material under the Rules of Professional Conduct governing lawyers in Virginia. This note is designed for general information only. The information presented in this note should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.

About The Author

Gerald G. Lutkenhaus, has been representing Social Security Disability claimants for 30 years in the Central Richmond Area in Virginia. He was given Martindale Hubbell’s highest rating in 2003, for more information check our websites at http://www.virginiadisabilitylawyer.com or http://www.geraldlutkenhaus.com or email us at jervalaw@aol.com.

Nokia is a worldwide telecoms corporation, concentrated on the key growth fields of wireless & wired telecommunications. Nokia is now the planet’s largest constructor of mobile telephones, with a worldwide telephone hand set market share of roughly 38%. Nokia develops mobiles for every leading market sector & protocol. The company furthermore develops coms network equipment for applications such as mobile & fixed line voice telephony, ISDN, broadband access, VO IP & wireless LAN.

Nokia plays an immensely major role in the economy of Finland. Nokia is unequivocally the largest Finnish company, making up almost 0.3 of the market capitalisation of the Helsinki Stock; an uncommon position within a first-world country. It’s an important employer in Finland and various spinoff businesses have mushroomed into major firms as Nokia’s subcontractors.

Nokia expanded Finland’s GDP in excess of 1½ % in 99 alone. Back in 2004 Nokia’s quantity of the Finland’s GDP was found to be 3½ % and made up near to 0.25 of Finland’s exports in 2003. Back in 2007, Nokia turned over revenue that for the first time surpassed the state budget of Finland. This has led some to refer to Finland as “Nokialand.”

Finns have named Nokia (lots of times) a champion Finnish brand and employer. Nokia is known to be the fifth most valuable brand in the world in BusinessWeek’s Best Global Brands list of the twenty most admirable outfits on the plant in Fortune’s World’s Most Admired Companies.

Nokia’s Mobile division serves folk with mobile voice and data products around a vast variety of mobile devices. The aforementioned division undertakes to concentrate on primarily high-volume category sales of phones and devices, with consumers being the most important customer segment.

Nokia concludes that price, design, brand, and ease of use are the main-stream mobiles’ most critical considerations for customers. Nokia’s product back catalogue includes digital camera mobiles with great features like mega-pixel cameras and MP3 players that interest the mass market.

During the first quarter of ‘07 it sold in excess of 15000000 mp3 mobile phones, which means that it is not only the planet’s primary supplier of mobile phones and digital cameras (as the bulk of Nokia’s cellular phones feature digital cameras, it is also believed that it has lately improved on Kodak in camera production making it the greatest in the world), it is nowadays also the primary supplier of digital audio. It aims to sell 80000000 music phones by the end of 2007, outpacing sales of gadgets such as the iPod from Apple.

It’s no secret that identity theft has become a major problem in this country. Last year alone, more than 9.9 million Americans fell victim to this devastating crime. And it can be devastating.

Identity theft occurs when someone acquires key pieces of your personal information with the intent to commit fraud. Most commonly, they use this information to open new credit accounts and run up huge debts. However, this is not the only use of stolen personal information. It can also be used by someone looking to immigrate illegally, carry out terrorist activities, assume a new identity, or even to blackmail you or someone in your sphere of relationships.

How does a thief gain access to your identity?

While most people believe their greatest exposure to theft is through the Internet, experts say your mailbox (where thieves can obtain account statements, new checks and credit offers) and your garbage are the easiest ways criminals can access your personal information. The theft of your purse or wallet is also common. And then there’re those situations in which you willingly give out information over the phone (to someone who calls with a great offer) or over the Internet in response to a fraudulent email (commonly referred to as “phishing”).

Once a thief has your information, he generally has weeks (even months) before you become aware that there’s a problem. In fact, it may not become evident until you suddenly start receiving bills for revolving accounts you never set up, in towns you never visited, for items you never purchased. By this time, your credit report has become peppered with new accounts that you had no idea existed.

Once that happens, it’s a nightmare trying to undo the damage.

However, there are ways to be proactive and protect yourself. For instance, most credit card companies offer services that will monitor your account for unusual activity, notify you immediately if there’s a problem, and protect you from the fraudulent charges. The three leading credit reporting agencies in the United States: Equifax, TransUnion, and Experian, each offer monitoring services as well (although that’s all they do … monitor and inform).

There are other ways you can help minimize your potential risk as well:

Never share your banking information, particularly your personal password, with anyone unless you initiated the contact or you personally know the person you’re dealing with. Legitimate banks and other businesses will not call or email you requesting your personal account information. When you receive a request for your account information (whether it’s a bank account, a credit card account, or even a PayPal or eBay account), red flags should go up.

Always guard your PIN (personal identification number) at ATMs.

Sadly, you shouldn’t leave outgoing mail in your home mailbox for pickup. Either take the mail to the post office or drop it off at a secure postal mailbox.

Never carry your Social Security card in your wallet. If you have to carry credit cards in your purse or wallet, as most of us do, keep them to a minimum. Preferably a single card.

Never use your credit card on the Internet unless you’re initiating the purchase and it’s done through a secure connection. You can quickly identify a secure connection by checking for “https” in the URL or the lock icon in the corner of the screen.

Keep a list of your credit card and bank account numbers in a secure location, such as a locked safe or a safety deposit box.

Always shred personal documents. This includes all those credit card offers you receive in the mail, old account statements, billing statements, credit card statements, etc. And use a double-cut shredder to be on the safe side. You can pick one up at nearly any office supply store for under $40.00.

Keep track of your bank and credit card statements. Make sure they arrive every month and monitor them for any unusual activity. If a bill doesn’t show up, it can be an indication that someone has set up a change of address without your knowledge.

Order a credit report from all three agencies (Equifax, TransUnion, and Experian) twice per year, review them, and compare them carefully. If you discover any fraudulent entries immediately contact each agency, explain the situation and follow the proper procedures to correct the problem.

Identity theft is on the rise throughout the United States, but that doesn’t mean it has to happen to you. Take a few diligent precautions and your chances of never becoming a victim increase dramatically.

Want to check your credit report for free? Learn exactly how to get yours here: The Quickest, Easiest Way To Obtain A Free Credit Report

Beautiful as they are, Boston Terriers have some genetic traits and defects that you must always be mindful of. In order to keep your dogs’ health in tip-top condition and ensure that he leads a healthy and happy life, you must ensure that you are aware of the breeds special requirements and of potential dangers.

There are a fair few illnesses that a Boston, particularly a pure bred, is susceptible to. This is why you should ensure that you get your Boston from a good, reputable breeder who can tell you all about the dog and his family line. You would be surprised at how much your breeder has to do with the Boston’s happiness and yours.

Some of these special concerns include:

Genetic illnesses such as: luxating patella (slipping kneecap), heart problems, mange, breathing problems, Cushings syndrome.

Extreme weather sensitivity: Bostons can suffer heat stroke if they are exposed for long periods to extreme heat, stuffiness and humidity. They are also sensitive to extreme cold and must not be exposed for long periods to this weather either. This is one of the reasons that this breed is classed as an indoor breed.

Wheezing: This is caused by the breeds short snout. Although this is part and parcel of a Boston Terrier, excessive wheezing should always be checked out by a vet. You should also take care not to expect excessive activity and exercise from your Boston because of this problem.

Eye problems: This is the result of the Bostons prominent eyes. They are susceptible to associated problems such as lacerations and infections, and must be closely monitored.

Although these concerns must be kept in mind at all times, you can get peace of mind with a little care and attention. Checking your dog on a weekly basis for abnormalities or defects will help to keep infections at bay. Being able to pick up on any alien behaviour from your dog will give you a clue if he is feeling unwell. And taking care in the summer and winter months will enable you to ensure that he is not exposed to temperatures that could prove dangerous to him.

Abhik Sarkar is the author of an invaluable resource for both new and current Boston Terrier owners, http://www.boston-terrier-secrets.com

You can also sign up for an 8 part email course on this special breed by sending a blank email to boston-optin@getresponse.com

I firmly believe that parents need to reclaim their evenings. Babies and young children need to go to bed at a reasonable hour so that you can enjoy some adult time (Even if that just means crashing out on the sofa in front of the TV) What you don’t want is to be running up and downstairs all evening in response to the baby monitor!

Baby is used to falling asleep with a parent. It may be tempting to rock that crying baby to sleep - it may seem quicker but in the long run you are not helping your baby to learn that sleep is something he needs to do alone.

If you establish a bedtime routine which you stick to every night and after several months your baby will still not fall asleep you might like to try the Ferber Method. Dr. Richard Ferber sets out a schedule that will gradually encourage your baby to sleep without you. This will include getting off to sleep in the first place but will have a knock on effect if baby wakes up during the night.

If you decide to try the Ferber Method choose a time when you can afford to loose some sleep. It will take a couple of weeks of hard work but the rewards will be long term and permanent. Essentially the Ferber method encourages you to gradually wean your baby from falling asleep with a parent. It does involve listening to your baby cry - so steal yourself to this.

The first night you put your baby to bed as usual (a calm bedtime routine is essential) Baby should
be sleepy but still awake when you put him down (You want him to fall asleep alone - not in your arms)

Leave the room. When baby starts to cry (as he inevitably will) sit it out for 5 minutes. After 5 minutes return to the bedroom and soothe baby. You must not pick him up or rock him - just a gentle stroke or pat so that he knows you are close by. Leave the room again and this time wait 10 minutes before you return. Again sooth but do not pick up baby. Leave again and this time wait 15 minutes.
Make 15 minutes the maximum wait time for the rest of the night. Return to the bedroom - sooth and leave. During one of the 15 minutes he will fall asleep.

On the second night start with a ten minute wait and work up to 20 minutes.

On the third night start with a 15 minutes and work up to 25

Each night increase the times by 5 minutes.

These time intervals are not cast in stone - make them smaller if you wish but it’s really important that you don’t cave. It can seem heartbreaking to listen to your baby cry. But you are close by, it’s a plan not indifference.

I used the Ferber method with my daughter, when she was a toddler. We had not experienced sleep problems when she was a baby in a crib. The difficulties started when we transferred her to a bed. The night time “pantomime” got more and more elaborate as she extended the time I was in the room with her. She used every trick in the book to get me back into her bedroom and to delay the time when she settled down to sleep.

By the time I came across Dr Ferber’s book I was desperate. It was taking longer and longer every night to get her off to sleep but I wasn’t prepared for how hard it would be to leave my daughter to cry. In fact most times I was sitting on the stairs crying too. My husband encouraged me stick at it and I’m glad that we did. It really did just take a couple of weeks to set up a pattern that lasted all through her childhood. I found that I could spend some enjoyable bedtimes, reading stories etc, confident that when I said “goodnight” she would snuggle down and go to sleep without any fuss.

Lack of sleep is the one of the hardest aspect of new parenthood. Getting baby off to sleep can be a major headache. The primary goal is to get baby off to sleep quickly - and to sleep safely through the night.
Debbie Walker runs Sleep Baby Sleep an advice website. You will find articles to help with all aspects of baby sleep like The co-sleeping transition. There are also several carefully chosen products such as the baby sleep pillow.

So you’ve finally done it: you started your own business. You’re
making money and feeling great, maybe even enough to buy that
new car or home you’ve been coveting. But wait! What about Uncle
Sam? Doesn’t he want his cut of your new pie?

Of course he does. And, that guy who wants to sue you for all
you’ve got because your product caused his little girl to cry
wants his share as well. What’s a small business owner to do?

Loral Langemeier, author of The Millionaire Maker (probably the
best hands-on wealth strategy book written to date) has
experienced it all, and continuously comes out the clear winner
- completely legally.

It turns out that you can, too. But you’ll have to get some
help. In her book, Loral explains what she calls the Wealth
Cycle™, a process that’s used by millionaires who want to keep
the money they make.

A key part of the Wealth Cycle is what’s called “Entity
Structuring.” That is, structuring your company as a legal
corporation or company and telling the IRS how you want to be
taxed.

What you might not know is that these legal entities were
created as much for you, the little guy, as for the big
corporations. That’s why if you want to be a millionaire, you
need to know a thing or to about entities.

Protecting your butt while saving your bucks

These legal entities are simply business and tax structures.
This includes corporations, LLC’s, and Partnerships. It does not
include the sole proprietor. Entities have two components to
them: the legal component and the tax component. The legal
component determines how your business is structured. The tax
component determines how the IRS will tax your company.

Let’s take an example. You’ve probably heard of a “C
corporation”, right? This is a business that has decided to
structure itself as a corporation and be taxed under Chapter C
of the IRS tax code. An S corporation, alternatively, is a
corporation that has chosen to be taxed under Chapter S of the
IRS tax code. (See why you’ll need help?)

Entities are not something you have to use, but smart business
owners, even and especially sole practitioners, do use them.

Why? Say that someone decides to sue your business. If they win
and you’re not a legal company or corporation, they can get your
house, your car, and pretty much everything you own. If you ARE
a legal entity, all they’ll get are the assets of your company.

The best part is that if you’re doing it right, your legal
entity won’t have many assets, and you’ll keep more of what you
earn. Tax benefits are pretty straightforward. The more of them
you have, the more you keep of what you earn. The IRS gives
corporations bigger tax breaks by allowing them to write off a
lot more expenses than individuals.

It’s not necessary to know all the details about entities -
that’s what your accountant and lawyer are for. But you should
certainly get familiar with your options so you can start
managing your life like a millionaire does. “Doing so will be
one of the first steps on your journey to millions,” says Loral.

Can you really become a millionaire simply by having a
corporation? No, you can’t. In her book, Loral provides numerous
examples of how people use entity structuring to protect
themselves and keep more of their money.

If you DO want to make millions (or at least a lot more than
you’re making now), be sure to create, as Loral says in The
Millionaire Maker, the right entities at the right time. The
Wealth Cycle is your real key to success.

So you’ve finally done it: you started your own business. You’re
making money and feeling great, maybe even enough to buy that
new car or home you’ve been coveting. But wait! What about Uncle
Sam? Doesn’t he want his cut of your new pie?

Of course he does. And, that guy who wants to sue you for all
you’ve got because your product caused his little girl to cry
wants his share as well. What’s a small business owner to do?

Loral Langemeier, author of The Millionaire Maker (probably the
best hands-on wealth strategy book written to date) has
experienced it all, and continuously comes out the clear winner
- completely legally.

It turns out that you can, too. But you’ll have to get some
help. In her book, Loral explains what she calls the Wealth
Cycle™, a process that’s used by millionaires who want to keep
the money they make.

A key part of the Wealth Cycle is what’s called “Entity
Structuring.” That is, structuring your company as a legal
corporation or company and telling the IRS how you want to be
taxed.

What you might not know is that these legal entities were
created as much for you, the little guy, as for the big
corporations. That’s why if you want to be a millionaire, you
need to know a thing or to about entities.

Protecting your butt while saving your bucks

These legal entities are simply business and tax structures.
This includes corporations, LLC’s, and Partnerships. It does not
include the sole proprietor. Entities have two components to
them: the legal component and the tax component. The legal
component determines how your business is structured. The tax
component determines how the IRS will tax your company.

Let’s take an example. You’ve probably heard of a “C
corporation”, right? This is a business that has decided to
structure itself as a corporation and be taxed under Chapter C
of the IRS tax code. An S corporation, alternatively, is a
corporation that has chosen to be taxed under Chapter S of the
IRS tax code. (See why you’ll need help?)

Entities are not something you have to use, but smart business
owners, even and especially sole practitioners, do use them.

Why? Say that someone decides to sue your business. If they win
and you’re not a legal company or corporation, they can get your
house, your car, and pretty much everything you own. If you ARE
a legal entity, all they’ll get are the assets of your company.

The best part is that if you’re doing it right, your legal
entity won’t have many assets, and you’ll keep more of what you
earn. Tax benefits are pretty straightforward. The more of them
you have, the more you keep of what you earn. The IRS gives
corporations bigger tax breaks by allowing them to write off a
lot more expenses than individuals.

It’s not necessary to know all the details about entities -
that’s what your accountant and lawyer are for. But you should
certainly get familiar with your options so you can start
managing your life like a millionaire does. “Doing so will be
one of the first steps on your journey to millions,” says Loral.

Can you really become a millionaire simply by having a
corporation? No, you can’t. In her book, Loral provides numerous
examples of how people use entity structuring to protect
themselves and keep more of their money.

If you DO want to make millions (or at least a lot more than
you’re making now), be sure to create, as Loral says in The
Millionaire Maker, the right entities at the right time. The
Wealth Cycle is your real key to success.