The Importance of Speed Testing your Website


Did you know roughly 40% of your website visitors will leave your site if it takes longer than three seconds to load? Page speed is defined as the amount of time it takes a specific page to load. It can be measured in terms of how long it takes the full page to load, the time to first byte (TTFB) or First Meaningful Paint, all of which will be explained in more detail later. Consumers demand immediacy today, so having a slow page speed is a surefire way to lose out on potential sales and ensure the content you worked so hard on goes unread. The platform you choose plays a big role in the speed of your page, as does the coding, image configuration and more. Among the many factors business owners need to consider for the success of their website, page speed ranks as one of the highest on the scale of importance.


Measuring Page Speed

Knowing whether your page speed is acceptable isn’t as straightforward as many people think. Most people believe the speed of their page should be measured based on how long it takes for the page to be fully loaded. While this is a simple method for measuring page speed, it’s not completely indicative of whether you have fast load times. For example, the First Meaningful Paint measurement is often considered the most accurate measurement of your page speed since it’s directly related to consumer interaction. Your webpage may take eight seconds to fully load, but if the top portion of the page loads in less than two seconds, then it may be perceived as a fast-loading page by consumers since they can see information at the top of the page almost immediately. 


The TTFB measurement is defined as the amount of time it takes for a page to begin loading. It’s a measurement of the timeframe between connecting to a server and downloading the webpage contents. A slow TTFB is evident if your webpage shows a white page for a few seconds before the content is displayed. The best way to improve this aspect of your page speed is to use a fast and reliable hosting service and always keep your themes and plugins updated. When studying various metrics for page speed, there’s no certain metric to focus on, but just be sure to look at all of them and improve any that may be too slow.


Coding Guidelines For Improved Page Speed

Poor coding is one of the main reasons why pages have long load times. Too many images that aren’t optimized, various page elements and heavy HTML also add up to taking a significant amount of effort to load your page. And every time a visitor reloads your page, they have to wait for it to load all over again. That is unless you utilize browser caching, which remembers a user’s previously-loaded page so they don’t have to wait for it to load again. The good news, in general, is you don’t have to be a coding expert to improve your page speed. Finding the right plugin can make a big difference in the speed and is virtually effortless on your part.


WordPress vs. Drupal

Being comfortable with the content management system you use is vital to successfully manage your website daily. WordPress is by far the most popular system today, but many successful websites use Drupal. The advantages WordPress has are being user-friendly for people who aren’t web developers, a significant global community for support, affordable solutions and an extensive library of themes and plugins. 


Drupal is typically used by website owners who want a little more flexibility with their content. It also allows you to create different permissions for users and assign specific access controls accordingly. The taxonomy system of Drupal is also more flexible, so it can handle much more content without sacrificing page speed.


Unless you have experience with building and designing websites and know how to increase page speed, WordPress is the common choice for website owners. However, if you desire the increased flexibility and customization options, then Drupal is the way to go. Just understand that if you don’t have significant experience, you will likely need to take some courses or hire a developer for your website.


Tips To Improve Search Engine Optimization (SEO)

Your page speed is connected to SEO because a page with slow load times will suffer in the SEO category. Any website with a poor SEO ranking will not be very visible when users do an online search using relevant keywords. So increasing your page speed will not only keep your visitors on the page longer, but it will also boost your SEO. Some tips for improving SEO include:


  • Compressing images and files – using a program like Photoshop is ideal so you can decrease the size of the files without compromising quality.
  • Utilizing browser caching – this improves a visitor’s experience on your website so they don’t have to wait for the page to load every time. Unless you are constantly altering your website, you can set your information to be cached once a year or so.

  • Creating keyword-rich content – a key component of SEO is creating unique content rich with keywords that provide value to consumers. You want your website to be viewed as a valuable resource people can rely on so they will return and boost your SEO ranking at the same time.

  • Upgrading hosting services – the quality of the hosting provider you use makes a big difference in your page speed and overall SEO. You may be able to cut corners in some areas of your website, but a hosting service should not be one of them.


Increasing your website’s page speed is critical for a variety of reasons, including your SEO ranking so you can be discovered by more consumers. And when you utilize the proper resources available, the task is much easier to accomplish than it may seem to be, regardless of your level of experience. 

The Differences Between Internal Vs. External Corporate Narration


Corporate narration is voice over used for a multitude of purposes.  It can be utilized as an internal or external tool to speak on behalf of the company.

Corporations differ from other businesses in that they are huge enterprises that answer to shareholders. As such, there are great quantities of communications, external and internal, that often use voice over narration either alone or with video to assist in spreading messages quickly and effectively.

External Corporate Narration

External corporate narrations speak on behalf of the company. Corporations spend a great deal of time and money building their brand, complete with visuals – logos, images, colors, and either a brand voice or a voice over that embodies the sound and reflects the image of the corporation. They may be found on the corporate website, on various physical locations, in on-site or out-of-office presentations or at fundraising or charitable events. They may be played at shareholders meetings, annual meetings and at conferences. Great corporate narration both communicates and represents your brand, and it all comes down to the voice actor you choose to showcase in your corporate narration.

Internal Corporate Narration

Internal corporate narrations share content between employees of the corporation. They include training, corporate policy, human resources initiatives, on boarding, accountability, sales, sexual harassment training and corporate culture programs. They can inspire and teach, build loyalty or give a corporate history lesson. They are also used to roll out new plans and projects. Voice over in internal corporate communications may mirror the external facing brand and the tone of the message itself. 

The Importance of Narration Style

Your corporate narration style choice says a lot about your branding, and you can drive that voice to truly engage your audience. A well-vocalized script can bring your listeners down to a serious note, raise the mood of the voice over to playful and fun, and literally produce laughter! There is an emotion for everything that you stand behind, and when you share your vision with a professional voice actor, they should be able to embody your brand and enrich it to its full potential.

When you have a message, that message can only be successful if it is read well. That can come through style of voice, the intent that the vocal tones portray, or just plain good voice acting.  When your brand speaks well, your audience listens well. And that is a recipe for narration that sticks. The production of every corporate narration is not an individual journey, it takes many hard-working, dedicated people to call your company a family. When that dedication is present along with specialty vocals that shed experience and originality on your brand, you have all the makings of a great narration.

Clear, Engaging, and Genuine Voice Over

If you want to share information to strongly represent your corporation, there are hundreds of ways to craft that message, and hundreds more to narrate them. The needs of a corporate narration can be as diverse as all the types of businesses out there. If you are making a corporate video, then you need a versatile voice actor who can adapt to your specific needs and deliver the right voice over performance for your company. Corporate narration voice over needs to be clear, engaging, and genuine. It also needs to effectively reach the target audience, whether it is existing clients, employees, or the general public.

Successful corporate brands care about what they stand for and care about the message they want to send to their listeners.

Another type of corporate video is an internal training video. As the name suggests, this type of video is made for employees and stays within the company. The goal is usually to help members of the staff learn how to use or engage with an aspect of the company. This could be intended for new team members in order to introduce them to company policies and procedures, or for more senior personnel, in order to provide updated information such as how to use a new piece of software that was recently implemented. For these videos, a more neutral voice over can be useful to keep the focus on the educational content. A skilled narration voice actor will be able to strike the right tone to keep the audience informed and attentive.



What to Look for When Choosing a Medical Narrator


Medical narration can be a difficult genre for voice actors to do. It requires not only the skill that other types of voice over need but also a strong understanding of medical terminology and the medical field overall.  A voice talent needs to know how to pronounce medical terms correctly in order for the medical voice over to be accurate. It is also important for the actor to be able to read a script in a way that ensures the listener understands all of the technical details that appear in medical narration.

The area of medical narration can cover many different aspects of medicine. Voice overs for medical narration can provide educational resources for students that are studying biology. Medical narration can be for the purposes of educating doctors on new or existing tools and resources. It can also be a vital instructional tool for patients learning about their medical devices. Having an experienced and knowledge voice actor will help ensure the success of the narration.

Medical institutions treat and provide care for a lot of people from diverse backgrounds. They need to be able to communicate directions and information in many different languages. Having translations for your medical narrations, patients, students, and doctors will all have accurate instructions and information to help provide a good result.

Collaboration is a key part of a successful medical narration. Medical technology providers, hospitals doctors and pharmaceutical companies should always look for a voice over talent who is responsive and responsible, able to read copy exactly the way it should be pronounced and willing to partner with the project producer to create a perfect final product.

Political Voiceover During an Election Year


Election year is upon us and the campaigns are filling the media. We see the candidate ads before our YouTube videos, in between songs on the radio, and on television during commercial breaks. But who are those voices that we hear telling us who and who not to vote for? They are experienced professional voice talent who are trained in the art of political voiceover. These professionals have mastered the art of performing public facing announcements to educate voters on the running candidates and their views.

Positive political ads paint candidates in a bright light. They highlight their best qualities and give their voters a reason to select them in the poll booth. The voices of these ads are typically warm, reassuring, and professional sounds that offer comfort to voters in their political choices. They may highlight plans a political candidate has to improve the economy, environment, or legal regulations, or they may reflect on the candidate’s background, ethics, education, or personality. A professional voice talent aids in creating a trust with the targeted audience and being in the forefront of voter minds when selecting which candidate they want to govern them.

On the opposite side of the positive ads, some campaigns opt for a negative approach which attack opposing candidates. They typically are derogatory and use a condescending voice tone to point out the flaws of opposing running candidates. These ads make up a large portion of political campaigns because of the fact that negative information sticks in voters minds and reminds them who they don’t want to vote for. This is a very effective approach for elections, and professional voice talent find themselves receiving a large quantity of these types of scripts.

Whether positive or negative, between presidential, congressional, state, and municipal elections, billions of dollars are spent every year on political campaign advertising. As such, this is a huge market for professional voice talent. They are the voices of the candidates we as citizens vote into governing offices. While some voice talent may only voice for Democratic, Republican, or whichever beliefs they stand by, other voice talent may voice either side, even if they disagree with the statements being made. Regardless of their own political views, they bring forth a professionalism and make a statement by giving a voice to the campaigns.

A Perspective on Product & Marketing in 2020


Product marketing has drastically evolved, as have consumers behaviors and demands.  If you look specifically closer at what’s happening in the past 24-months, you’ll notice a drastic shift in things consumers are interested in (pre and post pandemic times).

Consumers demand the following:

  • High quality and engaging content
  • Amazing experiences
  • Painless involvement in the process

And furthermore, we’re seeing even larger investments in categories that do this well.  For instance, The Chernin Group or TCG invested in Headspace, an app that generates amazingly high quality content, packaged in an easy to use app, that allows consumers to go from desire to mediate, to mediating in under-a-minute.

It’s also apparently obvious with the closures of retail stores such as Sears or JCPenney, consumers will find key household goods online.  One example of this, is the wave of higher quality direct to consumer products such as Made In Cookware, a top reviewed cookware brand, that manufactures and ships direct to consumers.  And brands like Made In, are now communicating directly with their customers on social media like Twitter, Facebook and Instagram — strengthening connections with customers that traditionally were not happening with the previous retail experience. 

The market has become flooded with these direct-to-consumer brands, and they are no strangers to marketing to prospective customers.  There are key adjustments to marketing that is happening with these types of companies.

Examples of expanded marketing investments in 2020:

  • Direct mail
  • Partnerships

For instance, brands like Zola, a top wedding registry provider, partner with top products and direct to consumer brands to make it easier and more convenient to purchase these products that might not directly be able to.   

While we see these simple shifts happening all around us, we can only start to wonder what 2025 marketing and product innovations will change.  It is our guess that we’ll see a big trend towards at-home, intimate 1:1 experiences curated by companies.  This could be a new wave — but, it isn’t up to me, it’s up to you and the buying power you have that ultimately shapes the product and marketing future.

How to Determine if a 40/30/30 or Keto Diet Plan is Better for You


The ketogenic diet and Macros 40/30/30 are two of the most popular diets that have been circulating in recent years, promoted for their ability to shed excess weight and to quickly burn fat. They can also help control your hunger, limiting your desire to snack throughout the day, and both diets can help you slim down and meet your weight loss goals faster than other weight loss methods. 


When you’re ready to start shedding excess weight and inches, the diet you choose will determine how much weight you can lose in a specific amount of time. It’s important to know which diet will be most effective for your body type and your lifestyle before beginning any type of diet program.


How the Keto Diet Plan Works


The keto plan is unique as it allows you to lose weight while still consuming fat with recipes tailored towards your tastebuds. You can eat healthily, lose weight and burn fat while still enjoying foods including bacon, eggs and even cheese.


The keto diet is a low-carb, high-fat diet that has been proven to reduce the risk of diabetes, Alzheimer’s disease and cancer. Reducing carbs in one’s diet puts the body into ketosis, which helps burns more fat for energy. This fat is turned into ketones, which are used by the liver for extra energy that is delivered to the brain. As this occurs, blood sugar and insulin levels begin to drop.


The keto diet is an ideal solution for anyone who is pre-diabetic or has been diagnosed with diabetes. Studies have even shown it to be effective in helping many adults reduce their use of diabetic medication.


How the 40/30/30 Plan Works


The 40/30/30 Plan, also known as The Zone Diet, requires you to have 40% of your calories come from carbs, 30% from fat and 30% from protein. This combination can reduce one’s risk of heart disease, cancer and diabetes. Saturated fats should be avoided and instead, individuals should opt for natural fats like olive oil, avocado and fish to achieve their goals. This diet can help you lose weight by supporting the balance between the metabolic hormones, insulin and glucagon, which store body fat.


Best Keto Snacks


There are a variety of keto snacks you can incorporate into your diet if you’ve decided to try this plan. When dieting, it’s important to remember to avoid common snacks that include grains, sugar and peanuts as these are carb-heavy. 


Some of the best keto snacks include string cheese, hardboiled eggs, tuna, and carrots with cauliflower hummus or guacamole. If you plan to prepare your snacks in advance for the week ahead, you can opt for more decadent options that include Caesar salad bites, mini frittatas, Caprese salad skewers and veggie sticks with nut butter.


A variety of keto packaged products are available that mimic non-keto treats. Many of these options have a long shelf life so you can stock up to avoid having to spend extra time in the kitchen preparing snacks. You can enjoy options like keto protein bars, keto granola, dark chocolate almond butter cups, beef jerky, mini cookies and cheddar cheese crisps to help keep your body in ketosis.


Best 40/30/30 Plan Snacks


Those on the 40/30/30 plan need to incorporate a small number of carbs, fats and protein in their diets. Because of that, they also more options when it comes to the snacks they can enjoy throughout the day.


Macros snacks may consist of bell pepper chips, protein cookies, yogurt popsicles, protein shakes, chocolate-covered strawberries, dry roasted edamame, mozzarella or Colby cheese sticks, brown rice cakes, deviled eggs, bread and butter pickles, cottage cheese and coconut chips.


Although you may not be able to snack on potato chips, there are healthier alternatives that still fit within your diet. You can munch on kale chips, plantain chips and tasty roasted seaweed snacks, which can curb your desire for something salty. Those who are looking for a more filling option can opt for heartier snacks such as sweet potato waffles and protein peanut butter cups. On colder days during the fall or winter season, bone broth can be filling and is packed with nutrients.


Understanding the pros and cons of each diet plan and what they require allows you to select the right option for your health needs as well as your weight loss goals. You still have delicious options available even if you have some restrictions on what you can eat, and with a bit of searching, you can find delicious and unique recipes to ensure you stay motivated to stick to your diet. Both the keto and 40/30/30 diet allow you to enjoy healthier versions of your favorite dishes, from pizza and chips to lasagna so you never have to worry about giving up your favorite foods.

Counting Macro-nutrients in Quarantine


One of the most common challenges most people are experiencing while adjusting to a quarantine lifestyle is maintaining a clean and healthy diet. Spending every hour indoors can increase the temptation to snack more frequently and indulge in unhealthy foods, which can lead to weight gain. By counting macro-nutrients, it’s possible to meet your fitness goals and can provide you with a guideline on how much food you should be eating throughout the day.


What are Macro-nutrients?


Although many people can be intimidated by the idea of counting macros while tracking the foods they eat, it can be relatively simple to learn how to put it into practice. Understanding what macro-nutrients are is the first step to getting started. 


Macro-nutrients consist of fibers, starches and sugars and must be limited to lose weight and build muscle while practicing a healthy lifestyle. Most carbohydrates are used for energy after they are broken down into glucose in the liver and muscles. Carbs are known to have more calories and should consist of 45 to 65 percent of the calories you consume each day. Beans, starchy vegetables, dairy and grains are all considered to be carbohydrates. 


Proteins are also a macro-nutrient that must be counted and include chicken, eggs, fish, lentils and tofu. They’re necessary for building tissues, cell signaling and boosting the immune system. Finally, fats are also macro-nutrients and include butter, meat, nuts, avocado, fatty fish and oils. 


How to Count Macro-nutrients


You’ll need to begin by determining your resting expenditure and your non-resting energy expenditure. The resting expenditure refers to the number of calories you burn as your body is resting and your non-resting expenditure is the number of calories you burn while performing physical activity or when your body is digesting food. Online calculators are available to determine both numbers, or you can resort to using the Mifflin-St. Jeor equation. 


The numbers you come up with then need to be multiplied by an activity factor. Sedentary, light activity, moderate activity, a high level of activity or extra activity are all different levels. You’ll need to consider how much you sit or exercise throughout the day to obtain your total daily energy expenditure. You’ll get the chance to work towards different goals by adding or subtracting calories from the total daily energy expenditure. 


If you want to lose weight, you’ll need to cut out more calories. If your goal is to build more muscle, you can increase your calorie intake each day. Carbohydrates should be 45 to 65 percent of your total calories. Fats should be 20 to 35 percent of your total calories and proteins need to be 10 to 35 percent of your calories.


The best way to record and track your macros is with an online app like MyFitnessPal, MyMacros+ or Lose It! You can also take advantage of a digital food scale in the kitchen to weight foods for increased accuracy.


Counting macros can allow you to improve your mental focus and boost your mood, which is crucial during a quarantine situation. Proper nutrition is vital to ensure the immune system can fight illnesses and ailments.


What to Eat


If you’re planning on adopting a diet that consists of counting macro-nutrients, it’s important to get ideas of snacks and meals you can eat to ensure you have plenty of options and don’t backslide.


Macros Snacks by Zone Perfect consist of mixed nuts, hard-boiled eggs, beef jerky, edamame, protein shakes, greek yogurt, turkey, cheese and popcorn. There are also plenty of macros protein bars available to take on the go when you need a boost of energy in-between meals. Snacks like ZonePerfect protein bars are packed with protein and can provide you with the vitamins and minerals you need to support the immune system. Vegan plant-based protein bars are also an option because of their delicious taste and the natural energy boost they offer. 


Macros meals include wholesome ingredients that are naturally prepared and can include chicken salad, zucchini tuna cakes, hash brown egg cups, pesto chicken and vegetables, cauliflower crust pizza and steak fajitas. 


Finding the right macros recipes and snacks to purchase can reduce the risk of fatigue, brain fog and depression, which can increase while getting through a quarantine.

Analysis of Current World of Streaming Products and Services


In recent years, streaming services have usurped cable television as more people are choosing internet video service compared to cable or satellite subscriptions. The lower cost is one of the main reasons people are cutting the cord on cable without having to live without their favorite films or shows. The spike in subscriptions has increased due to the variety of streaming entertainment options available to ensure consumers have the option of unwinding by watching their favorite blockbuster or drama. It’s important to review the variety of streaming products and services available to find the right selection for your interests and needs.


The Best Streaming Shows on TV


One of the main draws of utilizing streaming services is having access to shows commonly broadcasted on cable, which means continuing to enjoy your favorite programs throughout the week. There are a variety of TV shows available in different genres to ensure all types of viewers are entertained with the options. 


Those who enjoy drama can watch ABC’S Grey’s Anatomy, which focuses on a group of young doctors at Seattle Grace Mercy West Hospital. Viewers have watched the development of the characters throughout the 16 seasons available as the doctors struggle with their relationships with each other. 


As one of the best streaming shows on TV, HBO’s Westworld is another top TV show viewers can stream, which is an action show focusing on artificial consciousness at a Wild West theme park. The amusement park is made to attract wealthy vacationers who can live out their fantasies with the use of artificial intelligence.


Those who want a dose of reality TV can turn on 90 Day Fiance, which follows the journey of different long-distance couples who are looking to get married. Each couple has 90 days to make their decision and learn how to overcome their struggles, despite language barriers and cultural differences.


AMC’s The Walking Dead is the number-one-rated show among viewers age 18 to 49 and depicts the years following a zombie apocalypse as a group of survivors attempt to escape from zombies. The group is in search of a safe and secure place to reside while dealing with conflicts within their relationships.


20/20 on ABC is one of the most popular sources of news currently streaming and offers hour-long broadcasts covering a variety of subjects and events. Viewers can obtain information about politics, entertainment and news through a revolving group of journalists.


As the most popular show on CBS, Riverdale is also streamed by millions of viewers and follows Archie Andrews as he navigates high school practices playing music and finding a mentor. He also has to decide if he wants to risk his friendship with his best friend, Betty, for a romantic relationship with the new girl, Veronica.


Some Top Streaming Movies


Movies are just as popular as television shows on streaming services and allows viewers to access newly-released films. Both children and adults can watch hundreds of films in different genres, whether looking for a blockbuster or a classic flick. 


Some top streaming movies available include The Lion King, Home Alone, The Sound of Music, Avengers: Endgame, Iron Man, Star Wars: The Last Jedi, Dan in Real Life, Moana, Adventures in Babysitting, Pete’s Dragon, Alice: Through the Looking Glass, Queen of Katwe and Frozen II.


National Geographic movies are also trending and include Free Solo, Apollo: Missions To The Moon and Diana: In Her Own Words


Pixar movies are a popular choice among viewers due to the high-quality computer animation and adventurous storylines. The top Pixar movies streamed include Finding Dory, Toy Story 4, Cars 2, Brave, Toy Story, A Bug’s Life, The Incredibles, Up and Monster’s University.


Marvel lovers can enjoy watching films like Captain Marvel, Black Panther, Thor: Ragnarok, Doctor Strange, Guardians of the Galaxy, Captain America: The Winter Soldier, Iron Man, Thor, Marvel Studios: Assembling A Universe, Captain America: Civil War and Ant-Man.


The available films continue to rotate each month to ensure viewers have a variety of options available and can continue to stay entertained. 


Best Streaming Information


For those who are looking for the best streaming information available to explore their options and the different features available, there are ways to learn more about how to cut the cord on cable television. 


You can compare the different streaming services available to find the best option for your viewing needs, whether you enjoy staying updated on the news or have a handful of drama shows you want to watch throughout the week.


Many of the streaming products and services offer 7-day free trials, which allows you to discover what’s available with each service before you commit to a monthly subscription. 


Consumers can choose from Hulu, Philo, YouTubeTV, ESPN+, Disney+, FuboTV, and Sling. A variety of streamable guides is also available to learn how you can find the best streaming service for your household or how you can watch live sports without cable. 


You can have access to popular reviews of the different streaming services to conduct thorough research before deciding which streaming product or service to purchase. You can even choose to subscribe to multiple streaming products to ensure you have more of a variety, depending on your entertainment preferences and interests.


The features of each streaming service can also be reviewed with the streaming information provided to ensure it’s compatible with your television, tablet or smartphone. Many of the streaming services allow for simultaneous streams to ensure more than one viewer can have access to the services. Logins may be provided for various channel apps.


Some streaming services also include parental control for households with children to ensure teen- or adult-rated content is blocked and can only be accessed with a passcode.


Additionally, the information allows you to learn about the various features of each product. You can discover if commercials can be skipped or if the entire episode is recorded if you begin recording a show or movie halfway through. Upgraded features are also included with the information provided to learn about the additional perks offered for an added cost each month.

Analysis of Local Cambridge Mass Insurance Products and the Ecosystem around them


Unique Insights on the Cambridge Mass Ecosystem


Having the right insurance is necessary to protect yourself and have a plan in place if an unexpected event occurs in the future. Residents in Cambridge, MA, can have access to a variety of policies and different types of coverage depending on their specific needs and lifestyle. Whether you spend time on the road, travel a lot or have a dangerous profession, obtaining the right insurance policies can have you covered when you need it most.


Auto Insurance


Cambridge ma auto insurance is required by all drivers with set minimum coverage limits. Drivers can also increase their coverage if they choose. Both collision and comprehensive coverage are available. Collision offers coverage for repairing or replacing a vehicle if it’s damaged or totaled on the road, even if another vehicle is involved. Comprehensive coverage offers repairs or replacement for your car if you strike a tree, animal or come in contact with a falling object. It can also offer compensation for theft, fire or vandalism of the vehicle.


The state has set laws on the minimum insurance coverage Massachusetts that must be obtained by each licensed driver. Obtaining the bare minimum of the state’s requirements for coverage may not always be enough when different types of incidents occur.


Life Insurance


Life insurance is commonly held by the sole provider of households to ensure the defendants don’t suffer from a significant amount of financial loss after the death of the insured. The insurance can secure the family’s financial future and also guarantees the estate is allocated to the beneficiaries.


You can obtain term life insurance quotes Massachusetts to compare rates when shopping around. One of the main factors that determine how much you’ll pay for your coverage is your age. Life insurance rates increase as the insured ages. 


The insured has at least 10 days after the policy is activated to return it or back out, which is known as a free look period. All premiums will be fully paid.


Personal Injury Protection (PIP)


Over 2 million people in the United States are injured in auto accidents each year, which can be debilitating and can affect your quality of life. It’s important to obtain personal injury protection Massachusetts auto insurance because you can receive a payout whether you or another driver were at fault for the collision. You won’t have to worry about seeking compensation from the other party or not having your medical bills covered. Personal injury protection (PIP) covers lost wages, damages to the insured, passengers of the insured any individuals you may have struck.


In Massachusets, PIP is a requirement to have when registering a vehicle. Those who are not eligible for PIP include the driver or passengers of motorcycles, those who are entitled to worker’s compensation and those under the influence of drugs or alcohol.


Up to 75 percent of lost weekly wages are covered by PIP, along with medical bills with or without health insurance according to Value Penguin (see more details here). PIP pays the first $2,000 of medical bills and health insurance pays the rest. Those who don’t have a health insurance policy can expect to have $8,000 of their medical bills paid by PIP. Some insurance companies require health evaluations and exams before the policy is delivered. Group insurance is also available through civic, professional or religions organizations.

How Misconduct Charges Are Filed Against Physicians in New York and Other States


In NY, the Office of Professional Medical Conduct (OPMC) has the power to file formal charges against a doctor based on a recommendation made by its investigative committee. Other states have similar organizations to monitor the actions of physicians.

Lawyers from the Department of Health (DOH) may be assigned certain matters for formal action; this way, they can review the case file the OPMC will have amassed on a doctor through its investigation. This way, the Office can prepare a formal statement of charges.

The OPMC may also try to work out consent agreements in order to settle the dispute without having to hold a formal hearing on the doctor’s case.

If the OPMC does file a formal statement of charges, it has to begin holding a hearing within 60 days. Before the hearing comes a discovery process, in which the Board for Professional Medical Conduct (BPMC) and the doctor who has been charged can get certain information from each other. There are four specific categories of information that can be discovered:

  1. A list of witnesses’ names (although  what they will testify to does not have to be shared);
  2. A list of the evidence that consists of documents;
  3. Photocopies of the documentary evidence on both sides; and
  4. A brief description of whatever evidence on both sides can’t be photocopied (e.g. physical evidence).

The hearing itself has to be conducted by a panel made up of three members of the BPMC—two doctors and one layperson.

The panel’s job is to examine the charges and the evidence and to hand down a decision as to the doctor’s guilt, as well as to recommend an appropriate penalty.

A DOH administrative law judge will issue rulings in response to all legal motions made during the hearing and will draft the panel’s final decision.

If you are a doctor against whom the OPMC has filed a formal statement of charges, or similar agency in another state, you should speak with an attorney who has experience in representing health professionals.

If you are a doctor against whom the OPMC has filed a formal statement of charges, then call our office at (212) 577-6677 to speak with our New York Professional Health Defense team.

Joseph Potashnik is a criminal defense and Professional License Defense Attorney based in New York City.

Joseph Potashnik & Associates
111 Broadway
Suite 901
New York, NY 10006
(212) 577-6677

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