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What type of doctor has the highest malpractice insurance?



With a growing number of medical malpractice incidents resulting in thousands of deaths every year, one question that comes up frequently is knowing more about the specialties paying the highest malpractice insurance. Some medical specialties are more vulnerable to medical malpractice claims than others. Let us find out which specialists pay more premiums or have higher chances of being sued. Before finding an answer to this question, it is important to note that certain factors leave an impact on the likelihood of a specialist getting sued. 

Obstetrics and Gynecology

The list of most sued doctors is topped by obstetrics and gynecologists. They are the most frequent and vulnerable targets of medical malpractice suits. It is prudent to note here that if the case against these doctors is proved, it results in the highest payouts. It also increases the chances of these specialists getting sued by dissatisfied patients. Such doctors pay the highest medical malpractice insurance premiums. More so because the two-year statute of limitations mandatory in such cases also seems to be drawn out. 


The next specialty of medical practitioners who are more susceptible to get sued for medical malpractice. Studies indicate one out of five neurosurgeons faces the challenge of medical malpractice at least once in their career. Thus, they are also a frequent target of lawsuits. As a result, many insurance companies have increased premiums for medical malpractice insurance cover. The insurance agencies end up paying high payouts to plaintiffs covering damages and heavy litigation fees. 

Plastic  Surgery

The third specialty that faces high insurance premium challenges is plastic surgeons. Many people have a perception in their minds about their looks after going through plastic surgery. When that perception fails to match reality, the first step taken by the plaintiffs is to file a medical malpractice suit against their doctors. It is one of the most common reasons behind inflated plastic surgery malpractice cases. Here, even if the surgeon has done nothing wrong, the patients do not feel satisfied or are upset with the results. It results in a hike in medical malpractice insurance premiums. 

Orthopedic Surgery

This specialty of doctors also ends up paying hefty insurance premiums. This surgery is considered risky and involves complicated surgeries like spinal surgeries where anything can go wrong. Neurosurgery again is a very delicate surgery and also includes unclear diagnosis. If the diagnosis is wrong or delayed, it can raise the chances of medical malpractices and consequently higher premiums. 


The next set of doctors susceptible to higher malpractice premiums are cardiologists, physicians, and surgeons. The matters of the heart are very delicate, and a slight delay in making correct diagnosis or treatment can result in grave danger to the patient. This sensitive nature of treatment raises the insurance premiums. When faced with such suits, the plaintiffs and the doctors both look for highly seasoned and expert Miami medical malpractice attorneys who can fight their case and get results in their favor. It is essential to look for a skilled person who can present the case most efficiently to get the desired outcomes.

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Do you need a St. Petersburg Car Accident Lawyer?



When you are engaged in a car accident, there could be various situations where you need to appoint a St. Petersburg Car Accident Lawyer, and sometimes, you can do without hiring a lawyer too. Yes, insurance companies can act tough and mean, which is why many victims hire lawyers, to begin with. Here are some circumstances when you do not need a car accident attorney. 

  1. If there was no damage to your car or the other, there is no need to hire a lawyer.
  2. If no one is hurt in the accident, then you can do without hiring a lawyer.

Do not rush into deciding that you are not injured, or your car is not damaged. First, go to the doctor to get yourself checked and then get your checked by a licensed car repair shop to be one-hundred percent sure that there is no need to hire a St. Petersburg car accident lawyer.  

However, if there are conditions like these as below, you might need to hire an attorney:

  1. An intense accident where one or more people have lost their lives.
  2. If not death, the accident has caused major injuries to people involved in the accident. 
  3. If people had to be hospitalized as a cause of the accident
  4. When the medical treatment costs the person concerned a considerable amount of money.
  5. When the victims had to miss their office or school due to the accident
  6. When the physical injuries may not be considerable, but there has been emotional pain, trauma, and suffering.
  7.  When there is a conflict in deciding whose fault it was must be known
  8. When several people were injured in the accident
  9. When the insurance company of the other driver or your policy does not relent easily and make it tough for you to get a fair settlement
  10. When your medical records, insurance papers, or even the police records are misplaced, or not in proper condition, or the paperwork is not complete.
  11. The place where the accident took place is risky and questionable. 
  12. When the accident is complicated, then you might need the services of a St. Petersburg car accident lawyer

Accident lawyers make your job easy, whether during the claim settlement process or in the court of law. It is because they are specialists in this particular genre of law. With practice, they are thoroughly aware of the ins and outs of things after car accidents and how different parties behave during this time. They are also ever of the paperwork, the negotiation process with the insurance adjusters, and the trade tricks to enable them to get higher claim settlement for their clients.

But, it is not just about hiring any lawyer. It would help if you made sure that the lawyer is learned and has experience. You must make sure that the lawyer has a proven track record. Therefore, you must research the credibility and trustworthiness of the law firm before hiring them for your case. You must ask them about their experience in cases that are specific to your case type. 

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Things To Look For When Buying Women’s Silk Robes




With robes, you can keep yourself warm and snug during the day. If you have been looking for women silk robes, we suggest that you check out this guide. This guide talks about different types of robes, materials they are made of and their sizes. Read on to know more.

Types of robes

Based on your needs and activities, you can go for the right type of robes. Given below is a description of different types:

Bathrobe: typically, bathrobes are knee-length and are made from high quality absorbent fabric. These robes are worn after a bath, shower, or before you get dressed.

Spa robes: usually, spa robes are roomy, white and long. Therefore, they are an ideal choice for you, especially when you want to unwind. Typically, they are made from a type of fabric that is warm and comfortable. Aside from this, they feature a zip or belt at the front. For added comfort, you can also go for a hooded robe.

Lingerie robes: if you put on lingerie, we suggest that you go for lingerie robes. What are they made of? Typically, they are made of silk, sheer fabric or lace. Often, they have bright colors and match your undergarments.

Kimono robes: actually, kimono robes are Japanese-style gown and they are made from high quality patterned silk.


Now, let’s talk about the materials they are made from. Common materials include cashmere, silk, microfiber and cotton, just to name a few. Let’s discuss each material one by one.

Cotton: As you know, cotton is a common but versatile fabric. You can find it many forms, such as the terry robe. As far as water absorption goes, terry robes and waffle cotton robes both are a great choice. Cotton velour robes are warm, velvety, and soft. They are an ideal choice as far as relaxation goes.

Microfiber: actually, Microfiber is soft, absorbent, breathable and fine. Purchasing a microfiber robe is an ideal choice if you have been looking for a soft robe for spa or lounging days.

Satin or silk: if you want easy living, we suggest that you put on a satin or silk robe. Moreover, they are lightweight and allow you to move around without any problem.

Cashmere: keep in mind that cashmere robes are soft and offer a lot of warmth. In cold seasons, cashmere is an ideal choice as far as comfort and warmth is concerned.


While many robes are marked as one size fits all, you may want to look for a size that fits you properly. It’s a good idea to put on the suit at the store to see if you really like it. A size that doesn’t fit you will be of no use to you.

Long story short, if you have been trying to purchase a new robe, we suggest that you choose your favorite fabric. Moreover, you may want to consider some special features, such as hood, belt or lace. Before you buy one, make sure the robe fits you well and offers comfort.

When buying your robes you should consider that there are two different types of satin fabrics out there in the market: Satin and Sateen. But things can get confusing when shopping. They have different materials. The difference between satin and sateen fabric is quite simple. Sateen: is a glossy cloth made from 100% cotton and Satin is made with silk, rayon, acetate, nylon or other man-made fiber. You should make sure your robe is made of satin fabric not sateen fabric.

Satin is a very fragile fabric so when you want to clean your robes Dry Cleaning should be your first choice. If dry cleaning is not an option than you should select a mild detergent to wash it, there are specifically detergents to clean satin. You must wash your robe by hand gently, this is the safest method not to damage it. You need to wash it with cool or warm water in a large basin or bath tub. Before washing make sure you soak it with detergent 5 minutes. And after washing you have to rinse it properly with cold or cool water.

And best way to dry your robe is Air Drying and using dry clean towels. After washing lay the robe on a clean dry towel and roll the towel and squeeze gently out any water. Than repeat the same process with a new clean dry towel. After that you need to leave your robe to air drying in a cool spot away from sun light or heat. You should iron your robe very carefully. Ensure that you use a dry iron with no steam. And most important thing here is your iron should be set to low temperature. Use a thin cloth over your robe and iron top of it, not directly on your robe and don’t spend too much time on one spot to prevent any damage to your Satin Robe.

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Gift Card Holder Ideas for Your Graduation Party




From middle school to high school to college and higher studies, graduation is a big milestone in everyone’s life. If you have recently graduated and are throwing a party for your family, friends, colleagues, and mentors that have supported you throughout your journey, we know exactly how you can make it special!

In this blog, we will share gift card holder ideas and ideas for favors for graduation party so all party attendees can let you know how proud they are of your accomplishments by leaving gift cards for you in a creative style!

6 Gift Card Holder Ideas for Your Graduation Party

No one wants to make rounds at their own graduation party collecting gift cards from people. Like birthday parties have gift tables, your graduation party can have one too with a gift card holder sitting on top.

Here are six ideas for gift card holders that we believe will be the light of the party (besides you, of course!):

1. Wooden Graduation Cap Box

Have a rustic wooden box lying around? Put it to good use! A wooden box would definitely make a pleasant accent to your graduation party, whether you paint it or leave it as it is. To enhance the wooden box’s appearance, you can attach a miniature graduation cap to any side along with a tassel. You label the box “Gift Cards” in beautiful cursive writing so your guests know where to drop in the card they have brought for you. Trust us; this idea will steal the show!

2. Graduation Cups

Personalized graduation cups are the perfect accessory for your graduation party and also super easy to assemble! Instead of having a box where your guests can drop off gift cards, why not place a cup or two at every table? Opt for plastic, acrylic, or cardboard cups with wide mouths that you can personalize with phrases such as “Congrats, Grad!” “Gift Cards” or “Class of 2021”. It will be easier for your guests just to leave the gift cards they have brought for you on their table, and you can just collect them at the end of the party. How convenient.

3. Briefcase Card Holder

Since you are stepping into the real world now, what better way is there to symbolize your journey than a briefcase? A briefcase card holder is an excellent way to show your excitement for the new life ahead of you. If you have old money or any hardcover briefcase lying around, you can easily turn it into a card holder. All you need to do is add some text across the briefcase and decorate it with miniature grad caps or rolled diplomas, and you’ll be good to go! Your guests will surely share a chuckle while they leave your gift cards inside the briefcase.

4. Antique Metal Card Cage

A stunning metal birdcage box with delicate patterns and designs can add elegance to any graduation spread. A lovely vintage piece, the metal cage can pair really well with flower vases and indoor succulents. You can hang a label across the cage that says “Gift Cards” and can have your guests leave their tokens of appreciation for you inside. The Metal Scroll Gift Card Box Holder with an ornate metal vine design is a timeless piece of decoration that you absolutely need for your graduation party!

5. Photo Board

If you want to go the extra mile and unleash your creativity to the max, then this idea is for you! Your guests don’t HAVE to leave gift cards in a box or cup. What if they could just pin them up? Attach a photo board to the wall in an accessible corner at your party and label it. Make sure you have enough pins for every guest to hang their gift card next to their name. To spice things up, you can also pin up photos with guests or photos from important moments in your life that brought you where you are today.

6. Personalized Glass/Acrylic Box

Nothing says “sophisticated” more than a delicate acrylic or glass box with a gold or silver frame and personalized cursive label. A perfect keepsake, a glass, or an acrylic box will be a beautiful addition to your graduation spread.

TippyToad sells a Personalized Gold Frame Glass Terrarium Graduation Gift Card Holder with a dainty latch that you can order for your party. They also offer personalization, allowing you to add any text you like!

If you are not a fan of glass boxes, check out the Acrylic Thank You Card Box that comes with a lid and a lot to drop in gift cards. This minimalist acrylic box allows easy insertion and removal of gift cards and features text in a beautiful script lettering style.

Final Thoughts

Are you ready to host your graduation party yet? We bet you are! Be sure to incorporate our gift card holder ideas while planning your big event, so neither you nor your guests face any inconvenience during the party. Good luck and congratulations on achieving an important milestone!

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Family businesses are leaders in corporate social responsibility



A study conducted by PWC   among 2,801 owners of family-run companies around the world shows that 80% of them take an active role in corporate social responsibility by participating in donation campaigns, different forms of relief programmes and grants for people in need, while 71% of the family-based companies are doing their best to minimise lay-offs and to keep their staff on during the pandemic. Good deeds of this scale are not reported by other forms of corporate governance where the main focus is still on profits, which became clear from the statements of the participants in the study. A good example of how family entrepreneurship can support local communities during unprecedented social and health catastrophes is given by the philanthropist and founder of the Family Business Network – Bulgaria, Petar Mandjoukov. He ranks among the leading European donors in the fight against COVID-19, investing in a state-of-the-art molecular genetics laboratory for the needs of the Faculty of Biology at the oldest higher learning institution in Bulgaria.  

The Bulgarian philanthropist Petar Mandjukov donated a hi-tech laboratory for molecular genetics to fight Covid-19

Thanks to this incredibly generous gesture, today the scientific community in his home country is on the verge of a major breakthrough related to the genome of the virus which could make possible the precise prognosis of the course of the disease in different individuals in the future.   

‘Empathy with the problems of society and with individual suffering is the basis on which I am building my business and raising my three sons’, commented the entrepreneur. ‘Our family business is founded on intransient values. We care deeply about our legacy to the next generations. Never before has humankind witnessed such a vicious and ubiquitous crisis as Covid-19. This is why our new role models must be leaders with high morals, whose horizons reach beyond fast profits. Look at Bill Gates whose foundation is redirecting a large part of his personal riches to projects of benefit for society. The more successful people realise that giving is our moral obligation, the less painful our way out of the crisis will be, said the Bulgarian businessman. And in full support of his words, in the first months of 2020 he set aside more than EUR 1 million of his personal wealth to provide ambulances and life-saving medical equipment for the Bulgarian Military Medical Academy. This gracious act helped save millions of lives in the height of the COVID-19 crisis, according to healthcare professionals working at the medical facility.   Family businesses worldwide are fully focused on their social role, concluded Peter English from PWC, and added that for the most part participants in the survey reported stable growth in the companies they run and had an optimistic view of the future in spite of the pandemic. 

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Ways In Which Marijuana Seeds Can Be Made In Used For Day To Day Medicine



Each one of us has heard about the supposed advantage of using marijuana seeds. Those who have used the seeds have said that marijuana seeds can be used as daily medicine which results in too many health benefits.

It is hard to believe the medicinal properties of this amazingly wonderful plant. Depending upon the scientific results is the best way to decide whether marijuana seeds can be good at improving health or not.

If you are doubtful then you must read out the following pointers stating the ways you can use it as a daily medicine. If you are satisfied reading about the seeds, you can buy those from  this company as it is the best supplier of medical marijuana.

01- Marijuana seeds are an outstanding nutrition source-

Hemp undoubtedly plants under the species name cannabis Sativa is an excellent nutrition source. Research had shown that marijuana seeds contain 30%+ of healthy fats. Some essential fatty acids that are found in these seeds are alpha-linoleic acid and linoleic acid that is considered to the plant-based omega 3.

Using the seeds will let you get the benefit from gamma-linoleic acid promoting the expansion of cells, muscles, and organs along with supporting usual body activities. Other essential nutrients that are found in it are zinc, calcium, magnesium, potassium, phosphorous, vitamin E, and sulfur.

02- Depression, anxiety, and restlessness-

Marijuana seeds help in dealing with depression and anxiety. This is helpful as they assist in relaxing the muscle and body. With good properties, seed can be used for controlling muscular spasms, mobility problems, and nervous problems. The relaxations into the seeds compound can help in reducing the epileptic fits occurrence.

People who face problems in falling asleep can get benefit from marijuana seeds. Those help in reducing anxiety that we all face before falling asleep, letting the user enjoying a deep and comforting nap.

03- Skin health-

Fatty acid deficiency in our body manifests in several ways, the usual one is thick patches of skin, a host of other skin issues, and cracked heels. Since marijuana seeds are having a high amount of fatty acids, using those will lessen symptoms that are linked with dermatitis and will alleviate eczema effects.

04- Plant-based protein-

Though high-quality animal sources are significant for proteins, Marijuana seeds are excellent for vegetarians. 2-3 tablespoons of seeds will provide grams of protein to your body. Also, you will get amino acids like lysine, cysteine, and methionine.

05- Help preventing cancer-

Cannabis or marijuana is said to encourage better health and is found to help in the prevention of not only tumors but other forms of cancer.

According to the research, using marijuana seeds will eliminate the risk of developing cancers. The medicinal properties make it a wonderful substance for pain relief at the time of chemotherapy. 


With the wide assortment of benefits that marijuana seeds are having on one’s body, it is clear to their use in medicine and one should consider its use in day-to-day life. Remember too much consumption will surely leave bad effects. You can talk to a specialist who has the right knowledge about it and according to the recommendation you get you can consume it. You can buy marijuana seeds from this company as they supply fast and of better quality.

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