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The Savvy Child Within You - Become successful in your life and business using the forgotten childhood wisdom. Why is that when we enter the world of business we lose the inner wisdom of the child within us. The laughter, curiosity, honesty and the willingness to play together. Learn how to find that child and continue always to seek its wisdom and truth so that you can bring the inner child qualities into your personal life and business world.

Into Me I See
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A new poetry book composed by Mel Clifford & Emily Elzbeth.
Discover rarely seen inner worlds within this little treasure of poetry and photography. Each selection is vulnerably presented in its raw state freshly drawn from the soul of each author.


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Changing the Way I Am
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Second book of poetry composed by Mel Clifford. Additional poems kindly provided with the permission of the authors. Poems written from four generations of family poets. Kindle eBook on Amazon ONLY

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The Adventures of Doc Higgins – The True Story of King Henry VIII
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The second book in the series of The Adventures of Doc Higgins and his time travel invention, 'the Higulator'. Have the Craic when Doc meets King Henry VIII with the Manager and sets up the plan for getting his new wife.

Soon to be Available on Kindle eBook on Amazon ONLY

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The Adventures of Doc Higgins
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The tale of Doc Higgins and his time travel invention. How does the famous Doc plan to bring Alistair back from 1965 to his Nora?

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Poetry Just for You
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Selection of Poetry composed by Mel Clifford. Additional poems kindly provided with the permission of the authors.

Kindle eBook on Amazon ONLY

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Who are the guilty parties?

Who's Guilty

While waiting for a train the other day in Connolly Station I read a poster which said Insurance fraud is a crime and it gave detail where to report it.  My question is who are the guilty parties? Here is a story of a real experience of a situation where a motorcyclist came off his motorbike in front of a unmarked Company van.  When the van driver got out to see if the motorcyclist was O.K the motorcyclist proceeded to claim that the van driver had been the cause of the accident and then within minutes asked for €200 damages on the spot.  Of course the van driver disputed the fact as he had been in a stopped position in traffic and he also had a witness in the passenger seat to support this.

After some discussion between both parties they departed without agreement.  The motorcyclist later reported the accident to the police and then some days later registered in an Emergency and Accident department of a hospital but never stayed to be seen by medical staff.  His next step was to contact a solicitor on a no fee no win basis- are you getting the picture?

The Company owners of the van were then contacted some months later and a file was prepared with all statements and details related to the incident.  The insurance company was informed that it was strongly believed this was a fraudulent claim.  They were asked to investigate and run a check to see if the motorcyclist had any other previous claims of this nature.  Over time several discussions took place between the Company who owned the van (the insured) outlining serious issues in the claimants file and the claims made.

The next stage in this saga was the Company received an insurance renewal invoice for double the previous year’s insurance premium.  When this was questioned they were informed it was because the Insurance Company had settled the case in question and paid out a considerable amount to the motorcyclist.  When asked for an explanation as to why they settled the case without any involvement of the insured the following reason was given, they had reviewed the case with their own solicitor and decided to settle as it could cost more to fight the case, so it was easier just to settle.  When asked what about the fraudulent nature and had this been investigated?  The answer was no.

Insurance Company solicitor gets paid, the claimant and his solicitor gets paid the Insurance Company gets paid with a higher premium going forward and you lose your no claims bonus and get the bill

So if  insurance fraud is a crime, who are the criminals in this story?  – You decide – I would agreed with the poster but I think they could add Insurance fraud is a crime but don’t worry because we don’t!

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