3 Types of Insurance Every Young Person Needs

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When you are young, you think about all the things you have to look forward to in the future. Whether it be a career, a family or something else, there are lots of things to be excited about. However, life does happen, and it is important that you are prepared for any situation that is thrown your way. When talking to your New Jersey insurance agency, be sure that you have these types of insurance policies under your belt.

Health

Even if you are the healthiest person you know, you still need health insurance. You never know when an accident might happen that leaves you with expensive medical bills. Some medical insurances have lower rates for those who can pass a health exam, so this might be something for you to take advantage of when you are young.

Auto

Car accidents are an unfortunate thing that can happen to anybody at any time. It is important to be prepared for these interruptions in life, so make sure that you have a good auto policy. You can choose a comprehensive auto policy or one that covers your liability only.

Home or Renter’s

Whether you own your home or rent your place, it is important to have insurance for it. If you are a homeowner, you need a comprehensive policy; if you are a renter, you need some type of insurance for the contents of your place. 

While it can be easy to feel invincible and on top of the world when you are young, it is also important to be aware of the responsibilities that adulthood brings. When searching for insurance deals, consider all the policies that you need, and ask if you can get a discount for having more than one policy with the company. Although you hope you never have to use the insurance, you will be glad you have it if you ever need it.

2 Questions to Ask Before You Move in With Your Partner

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Over the past hundred years, family customs have undergone incredible transformations. Now, most people in the United States have accepted these changes in structures and traditions. However, there are many questions associated with them, given that they are still relatively new. If you are planning to move in with your partner without the intention of marriage in the future, make sure you settle the following questions.

cohabitation agreement new york ny

Will You Legally Formalize Your Relationship?

Being married carries many legal benefits, including tax deductions and insurance benefits. However, it’s often harder for partners to receive these same benefits. Explore entering into a cohabitation agreement New York NY with your partner before you move in. While this process does not count as marriage, it helps you to decide what your rights are and whether your partnership is permanent. If you decide to get married later, this agreement will not work against you, but it does help to settle your questions now.

Will You Have Children?

This is a big question for any couple, regardless of marital status. You both need to be on the same page about whether you’re having kids, and you must agree not to pester the other person if you disagree. Raising children is a serious and time-consuming job and one to which both parents need to be fully committed. Additionally, if you are cohabitating without the intention of marriage, decide whose last name the children will take well in advance of their birth. You also need to figure out whose insurance will cover your children and how you will split childcare duties.

If you and your partner are prepared to take your relationship to the next step by moving in together, don’t forget to figure out these questions. While your answers to them may evolve, it’s important to know and respect each other’s opinions before moving day.

What to Include in an Employee Contract

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What to Include in an Employee Contract

As a startup business owner, you have a lot of firsts ahead of you, including your first hire. To protect yourself and your employees, you must know how to create a proper employment contract. Here are a few essential items to ensure you include on your agreement. 

Job Title 

So you and your employees remain on the same page, include the hire’s official job title and duties on the agreement. Sometimes, workers handle tasks they did not expect to fulfill, which can lead to bad blood, frustration and the potential loss of great talent.

Employee Classification

For taxes, make it plain whether a hire is a full- or part-time employee or an independent contractor. Sometimes, employers misclassify workers, which can lead them to not handle taxes properly, which can spell trouble for employers and employees/independent contractors alike. You may even find yourself on the receiving end of a lawsuit for misclassifying employees, which requires the experience of a trusted business law firm long island.

Benefit and Compensation

Note agreed-upon compensation and benefits on the contract, specifically if the employee receives an hourly wage or a yearly salary. Include whether you offer raises, bonuses or other supplementary forms of compensation. Detail how you handle employee benefits, and do not forget to note if you as an employer cover benefits costs.  

Termination Conditions and Terms

There may come a time when you or your employee wants to end your work agreement. Should that happen, you and your employee must know the necessity of severing your professional relationship. For instance, you may want to include an amount of notice requirement or note whether you prefer a written notice.

On a related note, do you want to offer employees a severance package if the two of you part ways? If so, include the terms of that package on the employee contract.

A properly formatted employee contract facilitates a healthy work environment. Keep the above insights in mind while drafting your first agreement.

Finding the Right Lawyer

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Finding the Right Lawyer

Nobody leaves their home in the morning expecting to get hurt at work; however, this does happen from time to time. When this happens, it is important to consider enlisting the help of a workers compensation attorney Oregon. Even though many people have health insurance, usually through their work, this is not going to be enough to cover all of the medical expenses. This is where workers’ compensation can be helpful. When it comes to finding the right lawyer, there are a few factors to consider.

The Experience of the Attorney

One of the most important factors that everyone must consider is the experience of the attorney. First, not all lawyers are able to handle these cases. Like doctors, lawyers specialize in certain fields of law. A criminal defense attorney might not be able to handle a worker’s compensation case. Usually, visiting the website of a local attorney will be enough to figure out if they handle workers’ compensation cases. Be sure to ask whether the lawyer can handle the case before hiring him or her.

The Track Record of the Lawyer

In addition, it is a good idea to look at the track record of the attorney. Even for lawyers who specialize in workers’ compensation, they might not get the results the client is looking for. Consider what type of workers compensation cases they have handled in the past, what the results have been, and whether the results match the desired results. This is going to play a role in any legal case.

Find the Right Workers’ Compensation Attorney

These are a few of the most important factors that people need to consider when they are looking for a workers’ compensation attorney. The stakes are high and it is important for everyone to find the right lawyer to defend their rights.

Why It Is Essential to Use Security Guard Services For Your Business

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If you have a business, you should take advantage of the best security guard services Ft Worth can offer. You need to take precautionary measures to prevent theft while keeping your employees and customers safe. By using security guard services, you can do just that.

Why It Is Essential to Use Security Guard Services For Your Business

Prevent a Loss of Profit

One of the most important reasons to use security guard services is to avoid a loss of profit from theft. Sometimes, people come into a store with bad intentions. Someone might attempt to steal the items you are currently selling. When people steal from your business, they are causing you to deal with a profit loss, and that is frustrating. Losing out on money is bad for business. It is even worse when you run a small business and are trying your best to keep the money flowing. If you have a security guard inside the building during the hours of operation, you can prevent a loss of profit by deterring potential thieves from stealing items. If someone does attempt to steal something, the guard can attempt to stop them.

Monitor the Property

Along with preventing a loss of profit from theft, a security guard can regularly monitor the property for any potential issues. While shoplifting is a big issue that business owners have to deal with, other issues can arise, including disputes between customers and employees or disputes between different customers who are upset about something. A security guard may prevent people from getting physical from one another. The guard might also escort people from the building when they are out of control and are no longer welcome inside the building.

You should use security services if you have a business because these services can help you protect everything you are working hard to achieve. Not only can a security guard prevent people from stealing, but the guard can also monitor the property, prevent fights from happening, and take care of other security-related issues that can occur.

Filing a Claim for Hail Damage

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When the weather changes rapidly, it can bring with it damaging winds and hail. When your house or car gets hit by hail and is damaged, it can be a challenge to get it repaired and restored to the way it was before it came. Here are the steps to get your vehicle back to the way it was before the storm. 

Record What Has Happened

Once it is safe to go outside, examine your house and automobile to see if anything has happened to them so you can inform claims management. Look closely for dents and marks in the siding or the finish of the car. Carefully inspect windows, the air conditioning unit, trees, and anything else that might be outside. If you do see something unusual, take photos of the damage so you can send them to whoever might be handing your claim. Write down what time and date the storm came through. If there happen to be any hail stones lying in your yard, take a tape measurer out and snap a shot of the stone with the measurement of its diameter. 

Contact Your Insurance Agent

When you have all your information gathered, contact your insurance provider to file a claim. They will send an adjuster to inspect your property so they can assess the cost of repairs. It might be quite a bit of time before he gets to you if the storm affected many people in your area. If there is something that must be fixed before it causes more problems, contact the agent and let him know you are taking care of it before you do. Once you have met with the adjuster, call contractors to take a look at the damage that has happened to your home and ask for bids to repair it. Take your car to a few body shops and get estimates. Once you have them, turn them over to the insurance company to see what they will cover. 

Tips for Documenting a Workplace Injury

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No one goes to work in the morning thinking they will sustain a serious injury in a workplace accident, but these situations do happen. One thing your workers compensation attorney Salem Oregon may ask you to do is to document everything related to the workplace accident, the medical care you receive, and your recovery process. Here are some helpful tips for effectively compiling this documentation.

Formally Notify Your Employer

Following the workplace accident, you may let your employer know about what happened and that you need to see a doctor. Although this is a good place to start, you also need to notify your employer about what happened in writing as soon as you are able. Save a copy of this letter for yourself and keep it with your records. This way, your employer is less likely to dispute the fact that you let him or her know about the accident.

Compile Medical Records

In the days, weeks, and months following your workplace injury, you may see a doctor multiple times. Every time you go for an appointment, ask your treating physician to provide you with a formal report. You should keep these reports with your records as well as copies of any bills for medical treatment and prescriptions you received.

Take Notes

Keep a daily journal covering your recovery progress. Detail your current symptoms, what you were able to accomplish, and what measures you take to move forward. You should also write down if and when you are able to get back to work, how much work you missed, and how much pay you missed out on due to the accident and the recovery process. Additionally, take note of any time you speak with the opposing insurance company. Write down what was discussed, any settlement options, and the plan to proceed following every phone call.