Social Security Disability Claim Difficulties

Marken Law Group, PS, has helped hundreds obtain Social Security Disability benefits and Supplemental Security Income benefits. We do not charge a fee unless you obtain the benefits you deserve! Below is a short, and not all-inclusive description of some pitfalls you might experience while bringing your Social Security disability claim on your own.

First, the most pressing, and important, is YOUR responsibility to make sure YOUR medical record has been properly submitted to Social Security. When you are going to be in front of an administrative law judge, it is YOUR responsibility to obtain ALL medical records pertinent to your disability claim. Many people believe it is Social Security’s responsibility to obtain your medical records. At the hearing level, it is YOUR responsibility. Do not be misled by the fact they have obtained records previously, they likely do NOT have your complete medical file and are missing important updates! In the end, the administrative law judge will be basing their decision on what is in the medical record and to offer the best chance of a favorable decision, every document needs to be in the file!

Secondly, the work history is a VERY important document, answer very carefully. You might believe the “Function Report” is the more important document but it is not. The “work history” report can very well determine whether or not you will disabled due to what is termed the “GRID Rules.” The administrative law judge and vocational expert at your hearing will be DISSECTING your work history report document to find the exertion level of the work performed in the past.

Thirdly, if your doctors write statements regarding your disability, generic statements or letters that “JOHN DOE CANNOT WORK,” will NOT work and be rejected by Social Security. What Social Security will want from your doctor is a specific diagnosis and SPECIFIC opinions regarding SPECIFIC exertion limitations.

Example of an excellent doctor’s opinion: John Doe has a diagnosis of degenerative disc disease of his lumbar spine and it is my opinion he can lift and/or carry no more than 15 pounds, can stand and/or walk no more than 2 hours in an eight-hour day.

Example of a pointless doctor’s opinion: John Doe can’t work because of his back and hip pain.

Finally, a last pitfall is drug/alcohol use. As indicated with alcohol, this includes legal drugs such as marijuana (in some states) and opioid pain medication. If any record indicates an abuse, or excessive use of these drugs, you might have a difficult time obtaining benefits. While some years ago, judges would expect you to be on opioid pain medication to substantiate your allegations of pain, it is not largely viewed as an addictive drug that is harmful to your health.

Marken Law Group, PS, does NOT charge a fee unless you obtain Social Security Disability benefits. Call today for a free consultation! Click the link below. 

Marken Law Group - Social Security Claims

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SEO – What is Search Engine Optimization and How it Can Benefit Your BusinessSEO – What is Search Engine Optimization and How it Can Benefit Your Business

- Search engine optimization (SEO) is one of the most important aspects of digital marketing. It is a process used to help websites rank higher in search engine results pages, increasing their visibility and therefore helping them attract more visitors. SEO can be complex and time-consuming, but it can also provide huge benefits for businesses that implement it correctly. In this blog post, we will explore what SEO is, how it works, and how you can use it to benefit your business.

SEO is the process of optimizing a website so that it ranks higher in search engine results pages. This involves improving the technical aspects of a website (such as its code and structure) to make it easier for search engines to crawl and index, as well as creating content that uses keywords related to what people are searching for. SEO also involves building links pointing back to your website from other sites, which can help increase your ranking even further.

By making sure your site is optimized for search engines, you can ensure that more people find it when they’re searching online. This can lead to increased traffic and conversions, resulting in more sales or leads for your business. Additionally, SEO can improve user experience by ensuring faster loading times and easy navigation, which can lead to longer visits and more engagement.

SEO is a long-term strategy that pays off over time, so it’s important to be consistent and patient when implementing it. The key is to focus on creating high-quality content that uses the right keywords in its titles and body copy. It’s also important to build backlinks from other websites relevant to your industry, as these can help boost your ranking even further.

By investing time and effort into SEO, businesses of all sizes can benefit from increased visibility online, more traffic, higher conversion rates, better user experience, and ultimately more success for their business.

Search Engine Optimization

Search engine optimization (SEO) is a powerful digital marketing technique for improving the visibility of a website in search engine results pages, thereby helping it to attract more visitors and potential customers. SEO involves optimizing both the technical aspects of a website (such as its code and structure) and its content, making sure that it contains relevant keywords related to what people are searching for. Additionally, SEO requires building backlinks from other websites relevant to your industry, which helps to boost the ranking even further.

When implemented correctly, SEO can help businesses by increasing their visibility online, driving more traffic their way, and resulting in higher conversion rates. It can also improve user experience with faster loading times and easy navigation, which leads to longer visits as well as more engagement. For these reasons, businesses of all sizes should invest time into optimizing their website for search engines; it’s a long-term strategy that pays off over time.

In addition to optimizing the technical and content aspects of your website, you should also track your SEO performance over time using analytics tools such as Google Analytics or Bing Webmaster Tools. This way you can track changes in organic traffic volume, keyword rankings, and other metrics that will help you identify areas where your optimization efforts should be focused in order to maximize results. With this data in hand, you can ensure that your SEO strategy is effective and up-to-date.

Other Search Engines

Search engines such as Google, Yahoo, and Bing are the most well-known and widely used. However, there are many other search engines out there that can help you with optimizing your website for improved visibility online.

One popular alternative to Google is DuckDuckGo. It is focused on providing a secure experience for its users by not personalizing results based on user data or using tracking cookies. Additionally, it offers features such as! bang commands which allow you to quickly search websites related to certain topics.

Another useful search engine is Yandex, Russia’s largest search engine market share holder. Yandex uses an algorithm called MatrixNet which takes into account a variety of factors such as the age of the page, the number of inbound links from other sites, and user behavior metrics (such as bounce rate) in order to rank pages highly in its SERPs.

Apart from these two, there are several other smaller search engines that may be worth considering for your SEO efforts. For example, Swisscows is a privacy-focused search engine based in Switzerland and is powered by artificial intelligence; Ecosia is an environmentally friendly engine that plants trees with every query; Baidu is China’s top search engine; Ask Jeeves focuses more on question-based queries; StartPage does not store any IP or user data; etc.

For businesses looking to optimize their website for improved visibility online, exploring various search engines and considering their differences can be a worthwhile effort. Each may have different algorithms for indexing webpages and ranking them within SERPs, so understanding how each one operates will help you create a comprehensive SEO strategy.

11 Types of Checking Accounts11 Types of Checking Accounts

Checking accounts allow you to access and withdraw your funds. Unlike savings accounts, they don’t have a limit. Some checking accounts can also bear interest, granted that you keep to the minimum balance requirement.

However, there many types of checking accounts. If you plan to open a checking account, you may want to know where to put your Money’s worth.

people talking about checking accounts

The Types of Checking Accounts

Checking accounts from different banks and credit unions vary in features. Some may have higher interest rates. Others can have limitations due to the customer’s overdraft history. Below are the types of checking accounts in a bank or credit union near you. 

 

Traditional Checking Account

Best for: people paying bills or doing online shopping and other debit transactions.

The traditional checking account is a great start for creating a reliable foundation for your money. 

Advantages

Disadvantages

  • Written checks
  • Debit or ATM card
  • Pay or buy online
  • Overdraft protection (optional)
  • Dividends are low (credit union checking accounts have slightly higher dividends)
  • Some have a monthly maintenance fee

 

Premium Checking Account

Best for: People with a five-figure balance or more.

Premium accounts have higher perks but also higher fee balances and penalties. 

Advantages

Disadvantages

  • Better perks, rewards, and freebies than traditional accounts
  • Earn slightly higher interest than traditional accounts
  • Requires high minimum balance
  • Has higher fee penalties

A premium checking account has a slightly higher flat interest than traditional checking accounts. However, other accounts, such as the money market and certificate of deposit, may be better options for investing.

 

Student Checking Account

Best for: Students aged 18-23

The student checking account is a great start for young adults to get their first bank account. It is best to read the conditions that will happen to the account once the owner passes the age limit. 

Advantages

Disadvantages

  • Lesser fees than traditional checking accounts
  • Greater grace periods for overdrafts.
  • Some banks automatically switch the account to a traditional one upon reaching the age limit. 

 

Senior Checking Account

Best for: People aged 55 or 60 and older.

The senior checking account is for retired people or those living on a fixed income. The account has no monthly maintenance fees and has perks designed for seniors.

Advantages

Disadvantages

  • No monthly maintenance fees.
  • Has perks for older adults.
  • Other accounts may suit the older adult’s financial goals.

 

Interest-bearing Account

Best for: People with a large maintaining balance.

An interest-bearing account gives small monthly returns. The interest can be flat regardless of your balance. The account can also pay more the higher your balance.

Advantages

Disadvantages

  • The interest can be flat or higher than the account balance. 
  • No withdrawal limits
  • Charges may be larger than interests

If you cannot cover the charges, look for checking accounts that give monthly dividends instead.

 

Business Checking Account

Best for: business owners

A business checking account is designed to help with the financial management of a business owner.

Advantages

Disadvantages

  • Includes business tools, such as online invoicing.
  • Includes freebies, such as writing several checks for free.
  • Charges may be larger than a traditional checking account.

 

Other Checking Accounts

The mentioned checking accounts above are common in most banks. There are more types of checking accounts that are not as common.

Type of Checking Account Best For
Rewards Checking People who often use debit cards.
Private Bank Checking People looking for a private banker,
Second-chance Checking People denied of the traditional checking account
Free Checking Accounts People who don’t want balance requirements and monthly maintenance fees. (Some banks and credit unions offer free checking accounts with a return, like the Kasasa High-Dividend Cash Checking Account.)
Low-Balance Checking Accounts People who can only maintain a low balance minimum requirement.

 

Which Type of Checking Account Is For You?

When choosing a checking account, you must consider your convenience and specific features. What minimum balance can you afford? Do you agree with the fees? Are the rewards something you have use of?

Beyond that, there are diverse accounts to cover each individual’s different needs. There are student accounts for young adults and even senior accounts for those who have retired. There are even accounts that allow you to invest. From the types of checking accounts above, which one suits your needs the most?

To learn more information, please check out Canopy Credit Union 

 

Dealing with Lock Issues? The Complete Handbook to Professional Locksmith AssistanceDealing with Lock Issues? The Complete Handbook to Professional Locksmith Assistance

Every day, people find themselves in situations where they require the help of a professional locksmith. Here’s a quick Guide, from lonestarlocksmithtx.net, on the four primary services you’ll likely require at one point or another.

When Emergencies Strike: Emergency Situation Locksmith Services

Ever had that sinking sensation when you realize you’re locked out of your vehicle at one of the big grocery store parking lot in Houston? Maybe it’s a broken key stuck in your home door lock in the early hours of the morning? Scenarios like these require emergency locksmith services.

Emergency locksmiths are the superheroes of the lock world. They’re ready to swoop in, 24/7, to rescue you from the distress of broken, lost or malfunctioning keys. Equipped with specialized tools and expertise, they’ll have you back within in no time, with minimal disturbance.

A Location of Safety: Residential Locksmith Guide

Residences are meant to be safe havens, but how safe is yours, actually? Residential locksmith services guarantee that your house is burglar-proof. They can install brand-new locks, rekey existing ones, or suggest high-security lock systems to provide superior security.

Keep in mind, it’s not just about the main doors. A residential locksmith will also secure your windows, garage, and any other possible entry points to make your home a fortress no matter which area of Houston you’re in (and there are several).

Fortifying Your Organization: Commercial Locksmith Solutions

The diverse organizations in Houston have distinct security requirements. A business locksmith is familiar with complex security systems appropriate for companies, from master key systems to advanced electronic locks and gain access to control systems. They can likewise protect your cabinets, safes, and more.

After all, the security of your organization isn’t practically safeguarding physical properties. It has to do with protecting your hard work, your reputation, and your assurance.

On the Road: Automotive Locksmith Services

There’s nothing quite as frustrating as a cars and truck lockout. Thankfully, automobile locksmith professionals specialize in these sort of predicaments. Whether it’s a lockout, a lost cars and truck key, or problems with your ignition switch, these pros have got your back.

And it’s not just about getting you back in your automobile. With transponder key programming, they can even avoid your automobile from being taken.

In Conclusion

Whether it’s an emergency situation, property, commercial, or automobile situation, professional locksmiths are your go-to solution. They have the training and tools to deal with any lock or key-related problem then go to Lone Star Locksmith. So the next time you find yourself thinking, “I want I knew a great locksmith near me”, remember this guide, and rest simple.

Keep in mind, a trustworthy lock can make all the difference in keeping your property safe. It’s not almost being locked out – it’s about being secured, firmly.

Lone Star Locksmith  
Address: 3505 Sage St #2202 Houston, TX 77056  
Phone: (832) 406-3041  
Website: lonestarlocksmithtx.net