Affiliate Marketing and Product Creation Part 10 of 13 |

Friday, March 30th, 2012 at 8:44 pm ?

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I wrote an essay a few years ago called ?The BLS - Boring Legal Sh?.er? Stuff ? For Cyclists,? in which I described how your homeowner?s insurance, auto coverage, health insurance and more intersect when you are whacked by a car. ?I also suggested that cyclists need to make sure their Estate Planning was in order by updating their will and having Powers of Attorney in place for financial and health care matters. ?Fast forward a few years and this piece was mentioned on a hotsy-totsy financial planning website. A writer from The Wall Street Journal saw it -and suddenly I?m on the phone with Arden Dale, a regular WSJ contributor! ?On March 13, 2012 Ms. Dale?s Wall Street Journal story about Estate Planning for Sports Enthusiasts hits the web, and there, in a 43 word paragraph, Ms. Dale describes our 30 minute conversation for all WSJ readers to take in.

Ms. Dale wrote: ?? Pushing the envelope also makes it smart to take a close look at insurance. Most cyclists don?t understand that auto, homeowners? and umbrella policies may help if a car hits them, says Steven M. Magas, a Cincinnati lawyer who works with avid cyclists?.?

The BLS article has been a popular one. ?I wrote it for local publication but it was picked up by Adventure Cycling for inclusion in their national Cyclist?s Yellow Pages. ?You can still read it here.

In short, the article recommends that cyclists need to get their act together? Cyclists should have insurance to cover them if something should happen while they are on the road. ?Cyclists should NOT expect that ?the other guy? is going to have insurance, or enough insurance to cover their claim. ?Cyclists should maintain adequate auto coverage, with sufficient ?UM/UIM? limits [Uninsured/Underinsured Motorists Coverage] to protect themselves in case the other guys does NOT have adequate coverage.


Also, check out your auto policy?s ?Med Pay? limits. ??Med Pay? is short of ?Medical Payments?- called ?PIP? ?coverage in no-fault states ? and is another important coverage. ?Med Pay acts like a mini health insurance policy if you are whacked by a car. ?However, you should ALWAYS use your health insurance first. ?Today, when you get to the E/R after a crash, the Billing Department will ask immediately for your AUTO policy info. ?Seems like an odd request ?- why do they need that info?

Well, your health insurer has negotiated a deal with the E/R. ?The $1500.00 E/R bill may only result in a $900 payment from your health insurer. ?If the E/R Billing Department can get that bill to you AUTO carrier the auto carrier will pay 100% of it, or $1500.00, without any markdown or negotiated lower rate. ?E/R?s, doctors and those who regularly find themselves dealing with crash victims are slowly learning to get the bill paid by the Auto carrier, not the health insurance carrier.

YOU, however, should not let this happen. You should make sure your bills are paid by your health insurer. ?You should remain in control of that ?Med Pay? money ? you may need it to pay ?co-pays? or the 20% you owe under an ?80/20? health insurance policy. ?The E/R?s and other care providers will fight you on this ? they want $1500, not $900 ? but you have the right to have your bills paid the was YOU want them, and to have all the bills submitted to your health insurer.


Another point on auto insurance and ?Med Pay? ? BEWARE OF NATIONWIDE INSURANCE. ?I usually don?t mention specific companies by name here ? but Nationwide bears special mention because of its position on ?Med Pay? claims that is VERY detrimental to all cyclists.

In every other ?bike case? ?I?ve ever handled with ANY other insurer, the Med Pay clause covers bicycle riders. ?Nationwide, however, says ?NO? to cyclists. ?Nationwide claims that its Med Pay coverage is limited to ?pedestrians? and that cyclists are not pedestrians. ?Therefore, Nationwide refuses to pay the medical bills of bicycle riders who are whacked by cars. ? ?No word on whether Nationwide would cover, skateboarders, rollerbladers, horseback riders, pogo stick users, kids on tricycles, babies in baby carriages or other ?non-pedestrians.?

I am currently litigating this with Nationwide, so I may have more to report down the road. ?There is a court of appeals decision in Ohio which indicates that, for insurance coverage purposes, the word ?pedestrian? means more than simply people walking around. ?For purposes of Uninsured/Underinsured Motorist coverage, the words ?pedestrian? includes a person on a bicycle, according to a 2004 case. ?Nationwide, apparently doesn?t feel this case is controlling?


What happens if YOU goof ? you run a red light and hit a car. You clobber a pedestrian who has the right of way in a crosswalk. Now, someone wants to bring a claim against YOU for your careless riding. Who pays THAT claim?

Many cyclists are unaware that their HOMEOWNER?s policy will cover them in this situation. ?Just as you have coverage in case your neighbor slips and falls on your property, your H/O policy provides coverage for all types of ?negligence? ? including negligently riding a bicycle and causing property damage or injury. ?Again, check your policy limits to make sure you have enough coverage!


An ?umbrella? is a special type of policy which covers over the top of your other insurance. ?Umbrellas, as you might have guessed, are only used on ?rainy days? ? OK, poor pun, but somewhat applicable. ?Your auto policy covers for virtually all claims that arise in your lifetime, but what if you are in a situation where you have a very big claim ? and all the usual coverages are used up? ?An umbrella kicks in only during that unique situation ? a once in a lifetime situation.

Umbrellas come in BIG coverages- usually a$1,000,000 or more. However, because they only come into play in very rare circumstances, the cost of such coverage is fairly low compared to other coverages. ?Many professionals use an umbrella to protect them in case of malpractice or claims of professional negligence, however, umbrellas can apply to your auto coverage too. ?If you do something stupid and cause someone else to have a million dollar claim against you, the umbrella kicks in. ?If someone else does something to cause YOU to have a million dollar claim? you also have source of funds to pay that claim.

Be careful here ? and talk very specifically with your insurance professional about your needs and your lifestyle. ?I had a case in which my client, a CPA, and her husband, also a CPA, had purchased an umbrella. ?She had a very bad crash caused by someone with very little insurance. They had a large UM/UIM policy, which we were able to get, and they also had an ?umbrella.? However, for whatever reason, their insurance agent talked them into signing a document that WAIVED umbrella coverage for AUTO claims!

That?s right? they did everything I recommended? bought a large UM/UIM policy, good Med Pay, and purchased an Umbrella policy ? except that they told the Umbrella insurance company that they didn?t want the umbrella to apply to auto crashes? they didn?t even realize what they were giving up when they signed this ?waiver? ? soooo?..they were stuck with a large claim that was not fully paid.


Bottom line 1 ? THANK YOU WSJ for spelling my name right!

Bottom Line 2 ? Cyclists should NOT be buying Nationwide Insurance.

Bottom Line 3 ? TALK to your insurance agent about your H/O, Auto & Umbrella needs!







Related posts:

  1. In Florida ? Judge Allows Punitive Damages in TEXTING Case
  5. How Many Cycling Deaths in Ohio in 2010?

Printed from: .
? 2012.

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The Stunningly Beautiful Touchscreen Version of Van Gogh's Starry Night Is Now an iPad App [Video]

We were hoping that Petros Vrellis could turn his mesmerizing touchscreen rendition of Van Gogh's Starry Night into an iPad app and now he did. Not only do you see Van Gogh's famous painting come to life but you can interact, play around and change it if you like too. $2 [iTunes] More »

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Tips On How To Find Out Pertaining To Prostate Cancer | Hantsbridge

Should you get asked through your medical professional, what exactly do you understand pertaining to prostate cancer? Did you know every little thing regarding prostate cancer? Are you aware what may cause prostate cancer, {the different|the many|various|different} signs and symptoms, the many different problems, otherwise being treated instantly specifically in the early development, concerning the several treating prostate cancer? If you are a lady, it is perfectly okay to not recognize almost all about this stuff regarding prostate cancer. On the other hand, if you're a man, you need to know a lot of things in relation to prostate cancer and you has to be very much cognizant of various prostate cancer research. And also sometimes if you are a female, you also need to know simply a few things concerning prostate cancer. Who knows, you would possibly understand a person who might be a victim of this dreadful exclusive-for-male condition just like your spouse, dad, granddad, sibling or even one of the acquaintances and even your boss or maybe company partner. If perhaps you are aware of a thing pertaining to prostate cancer, you would possibly also save somebody's living.

Prostate cancer understands virtually no limits for males. That will certainly strike virtually any male especially when they may be drawing near to the age or Forty, or maybe who is previously at that stage and outside of. Prostate cancer is the enhancement with the prostate gland that complements age. Being a man age, the likelihood of the particular development of the prostate gland becomes bigger. If it is not taken care of over time, as well as shall a person state, prevented, it could morph into some thing worse that is prostate cancer. If you're a man that is already in this level, first of all , you have to do is usually to visit your health practitioner and have a check-up. Being a point in fact, a frequent general check-up is definitely strongly advised as well as it besides for looking out with regard to prostate cancer.

However, certainly, the great thing to eliminate prostate cancer is to protect against that previous to it occurs. Just like every other medical problems or in common health and well-being, make sure you adapt a healthful life-style and this includes a proper sex-life. You additionally really need to pay attention to the call associated with nature in order to avoid prostate cancer. Eat well and use routinely. Carry health supplements or nutritional vitamins just as long as these are prescribed by doctors by your doctor. Whenever you can perform these materials, adhere to what they prevent prostate cancer through at any time developing.

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The Holt Family and the Highland City Home ? Beth Carter ...

I?m so happy to finally blog about this session that I have had to keep secret for over a month! ?Meet the Holt family. Their story has a tragic beginning, but?ends with one of the biggest blessings I?ve ever had the pleasure of being a part of. ? This family lost their home and all their belongings in a house fire in October. ? Right after it happened, I remember hearing about it at our church as they asked for donations of food, clothing, and gift cards. ? Pretty quickly though, two friends were talking during one of their routine walks about the idea of building the family a new house. ?One of the ladies, Kristina Bunch, is the wife of Wayne Bunch of?Bunch Construction and Development Inc. ?Together with Sheri Carey (who attends my church), the three put the wheels in motion for what turned into a community wide project of love and sacrifice. ?I was talking with one of our pastors one day about the project and mentioned that if the family needed portraits for their new home, I would love to donate a session. ?The very next week Kristina Bunch (who is the mom of the adorable twins I?ve been photographing for the past year), approached me about taking pictures of this deserving family. ?Before she could even finish her question, I said ?Yes!?.

The time finally came in February to schedule a time for their session. ?They had never had professional pictures taken of their family before. ?But we had so much fun on that somewhat cold day in February! ?The kids were a blast ? I even recruited one of the younger boys to be my assistant in making his siblings (and parents) give me real smiles! ?He did such a great job I told him I might have to hire him for all my sessions!

After we finished the session came the really fun part for me. ?I met with Kristina and Sheri to pick out which images would be printed and hung in the Holt?s new home. ?The entire interior of the house was top secret. ?They had donations pouring in from all over, everything from appliances to furniture, electronics to bedding and decor. ? We chose this first image as a large 36?24 inch canvas to fill one wall in their living room. ?We printed the one of them walking as a storyboard mounted on wood to display on the table by the front door. The portraits of the kids lined the hallways, and the candid family portrait was a 16?20 for Mom and Dad?s bedroom. ?I had the opportunity to take a tour of the house before it was totally finished and snapped a few shots of how everything turned out. ?They finally moved in this week and I couldn?t be happier for them!

And here are some snapshots of everything on display in the house?.

They put a sign out front showing all the companies that donated time, money, labor and other resources to the project. ?It was so heartwarming to realize how much the community pulled together to help someone in their time of need.

Be sure to check out their facebook page to see more pictures of the process. ?They?ve also posted a video there by Fox13 news that is a must see.

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Podcast Basics For Colchester MLM Business Bloggers | South ...

Podcast Basics For Colchester MLM Business Bloggers

Today?s Colchester direct selling article is for Colchester internet rookies who want to kick up their web marketing a notch by adding a podcast to their Colchester home business blog.

A podcast is a multimedia file that is downloaded for playback on a mobile device such as an iPod or laptop computer. It can be a digital recording of a radio program or, more often, a program produced solely for online distribution. A podcast can be a recording of a webcast: a live Colchester program that is ?streamed? or broadcast on the internet in real time. When this is the case, it is similar to a DVD recording of a live program that you store in the database of your playback device.

A related term is the acronym RSS which probably originally stood for Rich Site Summary feed but is sometimes used for Really Simple Syndication. You have probably seen the term RSS on websites. An RSS feed allows digital files to be downloaded in a standard format. Burlington podcast listeners often subscribe to favorite ongoing podcasts. When new podcasts are produced, they are automatically downloaded by RSS applications.

It is fairly simple hardware- and software-wise to product your own podcast for your Colchester online business
. Your laptop may already have recording capability. If not, you can buy any equipment you need in the Burlington area.

Colchester business owners operating on a shoestring will be happy to know that basic recording and editing software can be downloaded for free. If you want to get fancy, you can always buy more sophisticated software at Vermont specialty computer stores. I recommend using a headset microphone so the mic is always in the right spot to get a clear and consistent recording.

Now the fun part: what will you podcast? The possibilities are endless for Colchester direct marketers. You can record Vermont trade show presentations, interviews with founding distributors of your Colchester direct sales company, or create an entertaining pitch about your Burlington business opportunity. Let your expertise and enthusiasm shine.

Creating a podcast gives you a chance to connect with potential Colchester customers or downline members in a personal way.

I am Dark Chocolate Manager Adam Paul Green, a network marketer representing X Power Squares. I am based in South Burlington, Vermont.

Are you interested in owning a X Power Squares online business? My team members are steadily expanding their networks and increasing their direct sales income.

Call me today to start building your own online X Power Squares business!

Dark Chocolate Manager Adam Paul Green

South Burlington, Vermont zip code 05403
X Power Squares residual income opportunity for Colchester home-based business owners.

Join Winner?s Circle today!

I am Adam Paul Green, and I am a South Burlington-based Xocai artisan chocolate distributor. I joined Xocai in March 2008. I sell the industry-leading X Power Squares and Xocai Omega Squares online and in South Burlington, Colchester, Williston, and Jonesville. Our valued Burlington customers recommend Xocai Omega Squares because Xocai Omega Squares premium chocolate will make you feel great!.

Winner?s Circle is also a fantastic X Power Squares home-based business within 21 miles of the Burlington area. Vermont entrepreneurs can supplement their income by cashing in on a high-demand Vermont healthy artisan chocolate market. To learn more about Winner?s Circle, visit

Call me at 801.437.5994 to own your own X Power Squares business in South Burlington, Colchester, Williston, or Jonesville.

The URL for my personal Burlington Xocai chocolate web page in South Burlington, Vermont 05403 is The URL for another one of my 21 Vermont Xocai artisan chocolate web pages is I also have a Vermont healthy chocolate page at


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US service member dies saving little girl in Afghanistan (Americablog)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories Stories, RSS Feeds and Widgets via Feedzilla.


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North Korea test fires short-range missiles: reports

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Video: Forensic expert: Low quality footage may mislead

>>> martin's case. a short time ago, sanford police released to nbc its surveillance video have george zimmerman in custody the night of the teenager's killing. joining me now, the form he fbi profiler and grant fredericks, a forensic expert. thank you both for joining me.

>> i want to start with you. the video is the newest detail here. you have a couple of concerns and questions. when you first saw the video released last night, what was your reaction?

>> well, the video is somewhat misleading depending on the question that's being asked. there were some observations that mr. zimmerman had lost weight. that he was fitter than what he had appeared in previous images. the video that was produced by the police department had been squished. which means that the aspect ratio , the relationship to the height and width is not correct. so it makes him look skinnier than he actually is and more frail than he actually is. the image should be wider. so he is actually more stocky than he looks. there is a lot of compression which means a lot of lack of detail.

>> let me stop you. you actually took images and you enhanced them if you will, according to you, to fit the actual scope. not be distorted. why would the sanford police department send out video in your view, is not an actual scope of what is happening there.

>> i'm not going to say that was done on purpose. i think it was probably a product of production. they just didn't do it accurately. it is misleading. so it is compressed so some of the details the court would want to know does not exist in that video such as is there blood on the face, injury to the back of the head. clearly on the shirt there doesn't appear to be any blood.

>> you've worked on a number of high profile cases, including the kelly case that captured attention, especially in the chicago area . it really hinged on what the jury thought of a videotape in that case. with this tape, can it, grant, be enhanced to give a potential juror if it gets to that point, a better view of zimmerman 's head? a better view of his face?

>> well, i think that the question is, what did the police actually have? this video is simply a surveillance video from the police department . i don't know why they would have released it. they would have or should have taken close-up photographs of any alleged injuries to his face, his back. they should have seized the clothes. your other witness or expert will deal with that. but there should be better quality images. even from this digital recording system, the original video will be more clear than what we've been given.


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Fair Labor Association reports Foxconn isn?t complying Chinese labor laws

The Fair Labor Association has just wrapped up its independent audit commissioned by Apple of the working conditions at Foxconn. After interviewing over 35,000 workers from three different factories, the FLA said their "nearly month-long investigation revealed serious and pressing noncompliances with FLA?s Workplace Code of Conduct, as well as Chinese labor law."


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Fred Karger, Republican Presidential Candidate, On NOM's 'Racially-Driven' Strategies

Associated Press


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GOP-run House easily rejects bipartisan budget

WASHINGTON (AP) ? The House voted decisively late Wednesday to reject a bipartisan budget mixing tax increases with spending cuts to wring $4 trillion from federal deficits over the coming decade.

The 382-38 roll call paved the way for Republicans to muscle through their own, more stringent budget on Thursday, a measure that would blend deeper spending reductions in safety-net programs for the poor with a plan to dramatically overhaul Medicare. The vote also underscored the partisan polarization dominating Washington this election year, with leaders of both parties showing little inclination to compromise and let the other side claim a victory.

The bipartisan measure rejected Wednesday was patterned on a plan by President Barack Obama's 2010 deficit commission and was written by moderate Reps. Steve LaTourette, R-Ohio, and Jim Cooper, D-Tenn.

"This is the only bipartisan way to solve the nation's problems," Cooper said.

"When you know you have a good deal is when the left and right are pounding the snot out of you, and that's what's happening today," LaTourette said.

House Budget Committee Chairman Paul Ryan, R-Wis., was the only lawmaker to speak against the plan, saying it relied too heavily on tax increases and not enough on spending cuts.

The plan won praise from outside budget experts. But GOP leaders have been unwilling to stray from party principles on taxes while top Democrats have shown no give on cuts to social programs.

The bipartisan alternative was similar to a proposal crafted by former White House chief of staff Erskine Bowles, a Democrat, and former GOP Sen. Alan Simpson of Wyoming, co-chairmen of Obama's deficit commission, whose package ended up being ignored by lawmakers.

The measure, like the Simpson-Bowles plan, called for a tax overhaul that would bring the top tax rate down from 35 percent to 29 percent or lower, financed by repealing various tax breaks, deductions and credits. Overall revenue would rise by $1.2 trillion since the money raised by eliminating dozens of tax breaks would exceed the revenue lost by lowering rates.

The vote came shortly after the Republican-run chamber unanimously rejected Obama's $3.6 trillion budget for next year in a roll call forced by GOP lawmakers to embarrass Democrats.

Republicans have opposed Obama's budget all year, criticizing its tax increases on the wealthy and saying it lacks sufficient spending cuts.

Democrats have defended Obama's budget priorities but voted "no" as a bloc Wednesday night as the House rejected the president's plan 414-0.

Republicans said Democrats were afraid to vote for Obama's proposed tax increases and extra spending for energy and welfare. Democrats indicated they were worried that voting for Obama's budget would let Republicans accuse them in re-election campaigns of endorsing every part of it, including details they might oppose.

The House also rejected a plan by the Congressional Black Caucus, 314-107, that was more generous than Republicans to many domestic programs.

At the center of Wednesday's debate, however, was a budget-slashing GOP plan by Ryan that would quickly bring the deficit to heel but only through unprecedented cuts to programs for the poor such as food stamps, Medicaid, college aid and housing subsidies. The Republican budget also reprises a Medicare plan that would switch the program ? for those under 55 today ? from the traditional framework in which the government pays doctor and hospital bills to a voucher-like approach in hich the government subsidizes purchases of private health insurance.

The GOP plan was set to pass on Thursday, but swiftly die in the Democratic-controlled Senate. Under the arcane budget rules of Congress, the annual budget resolution is a far-reaching but nonbinding measure that sets the parameters for follow-up legislation.

The measure reopens last summer's hard-won budget and debt deal with Obama, imposing new cuts on domestic agencies while easing cost curbs on the Pentagon that gained bipartisan support just months ago. It would set in motion follow-up legislation that would substitute $261 billion in spending cuts spaced over a decade for $78 billion in automatic spending cuts that would cut the Pentagon budget by about 10 percent next year and cut numerous domestic programs as well.

The election-year GOP manifesto paints clear campaign differences with Obama, whose February budget submission offered tax increases on the wealthy but mostly left alone key benefit programs like Medicare, Medicaid and food stamps. Obama and his Democratic allies instead promise to protect programs aimed at the elderly and the poor.

Ryan said the GOP plan steps in aggressively to prevent a EEuropean-style debt crisis that would swamp the economy and force draconian spending cuts and tax increases.

"Let's not wait until we have a crisis. Let's not wait until interest rates go up and we're in sort of a European meltdown mode," Ryan said. "Let's do it right and do it now, because then we can keep the promises that government has made to people who need it the most."

But Democrats said the Ryan plan makes spending cuts that are simply too extensive, knocking millions of people off of food stamps and forcing states to drop Medicaid nursing home coverage for many elderly people. At the same time, Democrats said the GOP budget promises a radical overhaul of the tax code that would deliver big tax cuts to upper-income people while taking away tax deductions and credits important to the middle class and the poor, like the child tax credit, and deductions for health insurance, mortgage interest and contributions to charity.

Democrats say the GOP Medicare proposal, similar to a plan that started a political firestorm last year, would cut costs steeply and provide the elderly with a steadily shrinking menu of options and higher out-of-pocket costs.

"It is not bold, not bold to provide tax breaks to millionaires while ending the Medicare guarantee for seniors and sticking them with the bill for rising health care costs," said Maryland Rep. Chris Van Hollen, the top Budget Committee Democrat. "It is certainly not brave to cut support for seniors in nursing homes, individuals with disabilities and poor kids. And it is not fair to raise taxes on middle-income Americans, financed by another round of tax breaks for the very wealthy."

Compared with Obama's budget, the GOP measure includes deficit cuts totaling $3.3 trillion ? spending cuts of $5.3 trillion tempered by $2 trillion in lower taxes ? over the coming decade. The deficit in 2015, for example, would drop to about $300 billion from $1.2 trillion for the current budget year. But the GOP measure ? despite assumptions of major cuts to transportation, education and food aid ? doesn't achieve balance for almost three decades, leading conservatives to offer an even tougher plan that would come to balance in five years.

The GOP measure is likely to pass almost exclusively with GOP votes, though some tea party lawmakers will oppose it for not going far enough.


Associated Press writer Alan Fram contributed to this report.


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FOR KIDS: Early toehold on land

A five-toed fossil now holds the record for smallest, oldest foot ever found

Web edition : Tuesday, March 27th, 2012

The discovery of an ancient, five-toed fossil offers new clues?about when four-legged critters started walking on dry ground. The fossil is only about as wide as a marble, and researchers don't know what the animal looked like. However, the footprint it's older than any other fossil from a similar animal. It remained buried in Scottish ground for more than 345 million years ? far longer than the country of Scotland has existed.

Visit the new?Science News for Kids?website?and read the full story:?Early toehold on land

Found in: Science News For Kids


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The Observer : Chris Brown and Rihanna reunion spells trouble

Home > Features > Chris Brown and Rihanna reunion spells trouble

Greer Smith, Staff Writer
March 27, 2012
Filed under Features


singer girlfriend Rihanna. It became a public story as Brown and Rihanna split, and a restraining order was placed against Brown. Now, three years later, Rihanna and Brown have steadily been rebuilding a relationship, and the seriousness of domestic violence is taking a backseat to their ?love life.?


Though it brought domestic violence to the spotlight, this relationship should not be the example for others. It shows young girls that after being hurt, physically and emotionally, it is okay to return to the abuser who is potentially still dangerous.


?Based on my experience with people in similar situations, I think Chris Brown has some deep, dark, unresolved issues, and he made a vicious attack on that woman,? said a Washington D.C. lawyer involved with numerous domestic abuse cases, who asked to remain anonymous so as not to endanger the privacy of former clients. ?He didn?t smack her, he beat her. He hit her multiple times, savagely. I have every reason to believe that he will go on to do it again in life.?


To some, emotional abuse is as damaging as physical abuse and many women and girls are affected by emotional abuse every day.


According to Rockville psychiatrist Lois Hartman, this abuse is defined as someone using words to destroy a person?s self-esteem and crush one?s spirit.


?After someone gets out of an abusive relationship, it is best to just stay away from the abuser,? Hartman said. ?If they have displayed abusive behavior it means they are capable of doing it again. If someone has a history of being abusive, you should just stay away.?


Because emotional abuse does not leave physical marks, it is not easy to know it is happening or prove it is happening unless there are witnesses. Therefore, many people do not acknowledge or understand emotional abuse.


According to counselor Peggy Fahey, any type of abuse is difficult to talk about but one should go to a trusted adult over a peer because adults can help.


?It?s like bullying,? Fahey said. ?Sometimes there is more going on than we actually see. It is important to speak to an adult, whether it?s a counselor or just a trusted adult.?


Students at CHS have different views on the subject of emotional abuse. According to junior Agya Adadey, emotional abuse is not an issue at CHS and is not as serious as cases of physical abuse. He believes if someone is feeling abused he or she should simply tell somebody. However, not everyone agrees with him.


?Just because you are not physically putting your hands on someone doesn?t mean you are not hurting them,? said a female sophomore who was involved in abusive relationships in the past.


The student believes emotional abuse is an issue between CHS couples, and that people need to be made aware.


However, many agree that victims have different tolerance levels for what they can and cannot take, leading them to take drastic measures.


?When people are abused there generally may be a mental illness that goes along with it,? Hartman said. ?They can experience depression or anxiety. Also, they often drink alcohol or use drugs because it will help them feel numb and not feel the hurt and pain.?


Another effect of emotional abuse, destroying another?s self-esteem, leads the victim to believe no one would want to help him or her.


Yet, Hartman stresses how important it is to reach out.


?People in abusive relationships should get help, and they should know that they are not alone,? Hartman said. ?They need to speak up and go to someone they trust because life will get better. And of course, have hope.?


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WRDW: Ripken VP pitches 'outdoor civic center' on old Golf and Gardens property

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BucksLocalNews: FOR THE TROOPS: #CouncilRock elementary schools collect for 'Operation Shaving Cream' #Holland #Northampton

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