#401(k) for truckers

[artisticdivasworld]

Financial planning for truckers 

Financial planning is something a lot of folks in the industry overlook, but it’s super important if you want to stay afloat and keep your wheels rolling. First, let’s talk about budgeting. It might sound like a boring topic, but think of it as your roadmap. Without a clear budget, it’s like driving without a GPS. You know your income can be pretty unpredictable, especially with fluctuating fuel…

[joshhamilton11]

Navigating Tax Changes And Updates Affecting Truckers

Navigating tax changes and updates affecting truckers is crucial for maintaining compliance and optimizing tax strategies. Here's a breakdown of some recent tax changes and updates that truckers should be aware of:

Standard Mileage Rate: The IRS often adjusts the standard mileage rate for business miles driven for each tax year. Truckers who use their vehicles for business purposes can deduct a standard rate per mile driven for business. It's essential to stay updated on any changes to this rate, as it can impact your deductions significantly.

Per Diem Rates: Per diem rates for meals and incidental expenses (M&IE) are updated periodically by the IRS. These rates vary depending on the location and are intended to reimburse truckers for expenses incurred while away from home. Keeping track of the latest per diem rates can help truckers maximize their deductions for travel expenses.

Section 179 Deduction: Section 179 allows businesses, including trucking businesses, to deduct the full purchase price of qualifying equipment and software purchased or financed during the tax year. In recent years, there have been changes to the maximum deduction limit and eligible property, so staying informed about these updates is crucial for maximizing tax savings.

Fuel Tax Credits: Truckers who use fuel for off-highway business purposes, such as in refrigeration units or auxiliary power units (APUs), may be eligible for fuel tax credits. The eligibility criteria and calculation methods for these credits can change, so it's essential to stay updated on any updates to ensure accurate tax reporting.

State Tax Changes: State tax laws and regulations affecting truckers can vary widely from state to state. Changes to state income tax rates, sales tax rates, and other tax-related policies can impact truckers' overall tax liability. Keeping abreast of state tax changes and updates can help truckers effectively plan their tax strategies.

COVID-19 Relief Measures: In response to the COVID-19 pandemic, various relief measures were implemented, including tax provisions aimed at providing assistance to businesses, including trucking businesses. These provisions may include tax credits, deferral of tax payments, and other relief measures. Staying informed about COVID-19-related tax changes can help truckers take advantage of available benefits.

Electronic Logging Device (ELD) Mandate: The ELD mandate requires commercial motor vehicle drivers, including truckers, to use electronic logging devices to record their hours of service. While not directly related to taxes, compliance with the ELD mandate can impact truckers' operations and may have implications for tax reporting, such as documenting hours worked and mileage driven.

Tax Reform Legislation: Tax reform legislation, such as the Tax Cuts and Jobs Act (TCJA), can have far-reaching implications for truckers. Changes to tax rates, deductions, credits, and other tax provisions can affect truckers' overall tax liability and tax planning strategies. Staying informed about tax reform developments and understanding how they impact your tax situation is essential for effective tax planning.

Retirement Planning Options: Retirement planning is an essential aspect of tax planning for truckers. Understanding the tax implications of different retirement savings options, such as traditional IRAs, Roth IRAs, and solo 401(k) plans, can help truckers make informed decisions about saving for retirement while minimizing their tax liability.

IRS Enforcement Priorities: The IRS may prioritize certain enforcement areas, such as worker classification issues, underreporting of income, or abusive tax shelters. Being aware of the IRS's enforcement priorities can help truckers identify areas of potential risk and ensure compliance with tax laws.

Staying informed about tax changes and updates affecting truckers is essential for maintaining compliance, minimizing tax liability, and optimizing tax planning strategies. Consulting with a qualified trucker tax accountant can provide valuable guidance and assistance in navigating these tax changes effectively.

[onlinebusinesslineofcredit]

Small Business Loans For Trucking: Truckers' Treasure

Operating and growing a trucking business requires significant upfront costs for purchasing trucks, hiring drivers, insurance, maintenance, fuel, and other expenses. For many small trucking companies and owner-operators, securing small business loans for trucking expansion is the make-or-break factor in getting their business off the ground and scaling it sustainably. https://www.youtube.com/watch?v=LWBI7S4BINk As a business loan broker, I had the opportunity to assist a trucking company in obtaining a much-needed small business loan. Located in the heart of New York City, this trucking company faced significant challenges due to insufficient working capital and struggles with bad debt management. Their need for financing was urgent to keep operations running smoothly and seize new contracts in a highly competitive market. Working closely with the company's management, we crafted a comprehensive business plan that highlighted their mission, market analysis, and strategies for growth. We also addressed their creditworthiness issues, taking steps to improve their credit scores. We explored specialized financing options tailored to the trucking industry, such as freight factoring, to provide the financial support necessary for their success. This collaborative effort resulted in a successful loan approval, enabling the trucking company to overcome its financial challenges and thrive in the bustling NYC transportation sector. Small business loans tailored specifically for the trucking industry can provide that essential capital injection at critical junctures. Whether you need funding to buy additional trucks, upgrade equipment, bridge cash flow gaps, refinance debt, or embark on an expansion, loans for trucking businesses open up a world of possibilities.

Key Takeaways: Small Business Loans for Trucking

Loan TypeDetailsTrucking Equipment LoansFinances truck and trailer purchases. Lower rates and flexible terms. Secured by the equipment.Trucking Working Capital LoansCovers operating expenses and cash flow gaps. Unsecured short-term financing up to 18 months.Trucking Lines of CreditRevolving credit facility with lower rates than short-term loans. Flexible access to capital.Trucking Term LoansLarger 2-7 year loans for major investments. Secured by business assets and equipment.Trucking Acquisition FinancingFunds purchasing an existing trucking business through asset or stock buyout.SBA-Backed LoansSBA loan guarantees reduce lender risk. Expand financing options.Business Credit CardsBuild credit profile. Finance smaller needs. Pay balances monthly.Invoice FactoringCompanies purchase invoices and advance capital. Remaining balance paid later.LeasingPreserves capital. Ownership transfers after lease period. Provides tax benefits.ROBSUse retirement savings like 401(k) to fund business without penalties.EligibilityStrong credit scores, 2+ years operating history, revenue over $100k. Collateral often required.DocumentationTax returns, bank statements, financial projections, business plan.Strategic UseExpand fleet, upgrade facilities, invest in technology, refinance debt.

Small Business Loans For Truck Drivers

Types of Loans for Trucking Companies

Several loan options are available to finance your trucking operations and assets: Trucking Equipment Loans - Loans to purchase trucks, trailers, and other equipment like onboard computers and truck GPS systems - Typically secured loans collateralized with the assets being financed - Lower interest rates and longer repayment terms than unsecured loans Trucking Working Capital Loans - Flexible financing to cover day-to-day operating expenses like payroll, fuel, maintenance, and more - Unsecured short-term loans up to 18 months to plug cash flow gaps - Line of credit offers revolving access to capital as needed Trucking Business Lines of Credit (LOC) - Revolving credit facility providing quick access to capital when needed - Typically lower interest rates than short-term working capital loans - Ideal for managing fluctuations in cash flow and unexpected costs Trucking Business Term Loans - Larger loan amounts with longer 2-7 year repayment terms - Used for major investments like purchasing a fleet of trucks or expanding facilities - Secured with business assets and equipment Trucking Business Acquisition Financing - Enables buying an existing trucking business by financing the acquisition - Both asset and stock purchase financing options available - Allows growing quickly through strategic acquisitions Speak to a lending specialist to discuss which loan products are best suited for your specific trucking business needs and goals.

Critical Factors in Getting Approved

Qualifying for trucking business loans involves meeting certain lending requirements: - Personal and business credit scores - Most lenders prefer scores over 650 - Annual revenue - Minimum of 100k to 500k+ depending on lender - Time in business - Lenders often require 2+ years of operating history - Debt-to-income ratio - Should demonstrate ability to take on additional debt - Collateral - Secured loans require sufficient business assets as collateral - Financial records - Tax returns, bank statements, profit/loss statements Building up your business credit score and maintaining detailed financial records are key to improving eligibility. Leveraging business assets like trucks and equipment as collateral provides more favorable loan terms.

Finding the Right Lender

With hundreds of lenders offering financing for trucking businesses, it's crucial to find one that's the best fit: - Banks - Offer comprehensive services but can have stricter eligibility requirements - Alternative and online lenders - More options for poor credit borrowers with quick approvals - Trucking industry lenders - Specialize in financing trucks and fleet purchases - SBA lenders - Offer small business loans with guarantees reducing lender risk - Leasing companies - Finance vehicles and equipment through leasing arrangements - Factoring companies - Provide working capital by purchasing invoices Compare interest rates, terms, fees, customer service, eligibility criteria, and other factors among multiple lenders. Having an expert broker can help you navigate the lending landscape.

Steps for Securing Funding

Follow these steps for getting your trucking business loan approved and funded seamlessly: - Determine the type and amount of financing you need - Build up your business credit score over time - Organize tax returns, bank statements, and other financial records - Create a strong business plan outlining growth goals - Compare lenders and loan options to find the best fit - Submit loan application with all required documentation - Respond to any requests quickly and transparently - Accept loan terms and close financing - Deploy capital received into your trucking business strategically With prudent financial planning and preparation, small business loans can equip trucking companies with the fuel they need to drive their growth engines into high gear. Accessing financing may seem daunting initially, but the rewards for your business make it a worthwhile journey. Connect with one of our advisors to start the financing process today and get on the road to accessing the capital you need to drive growth.

Demystifying the Trucking Business Loan Process

Obtaining financing for your trucking company involves more than just filling out a basic application. The loan process requires in-depth preparation and meticulous attention to detail. Here’s what to expect as you navigate the road to funding. Prequalification Before formally applying, it helps to get prequalified by the lender to confirm you meet their basic eligibility criteria. Be ready to provide estimates of key financial figures. This prequalification step screens applicants upfront and saves you time applying for loans you have little chance of obtaining. Application The application asks for extensive documentation on both personal and business finances, including: - Tax returns for past 2-3 years - Bank statements covering previous 6-12 months - Profit and loss statements - Projected cash flow statements - Personal financial statement - Business plan - Information on existing debts and assets - Evidence of collateral Having reliable records on hand expedites this intensive process. Review and Verification Lenders scrutinize the application details closely to verify accuracy. They will: - Pull personal and business credit reports - Verify income figures - Examine bank statements and tax returns - Appraise assets pledged as collateral - Interview applicant face-to-face if needed Maximum transparency and quick responses to any inquiries during underwriting streamline approval. Loan Decision The lender decides on loan approval and terms based on their assessment of: - Ability to repay - Cash flow and income - Capital - Assets, collateral, and net worth - Capacity - Monthly expenses and debt load - Credit - Personal and business credit scores - Conditions - Business performance trends They determine loan amount, interest rate, fees, repayment schedule, and other terms. Closing and Funding With approval secured, closing formalities include: - Signing loan contract and disbursal agreement - Paying processing fees and closing costs - Filing collateral liens if applicable - Setting up automatic payments - Completing any other legal documentation Finally, the loan amount gets deposited into your business bank account, ready for you to put the capital to work.

Small Business Loans For Trucking Companies

Strategic Use of Trucking Business Loan Funds

How you utilize the influx of capital from loans can make or break your success. Carefully target it for your most pressing needs and growth goals. Expanding Your Fleet - Purchase additional trucks to take on more routes and clients - Add specialized equipment like refrigeration units or car haulers - Replace aging trucks with safer, more efficient modern rigs Operating Expenses - Pay for fuel, insurance, maintenance, licensing, and other recurring costs - Meet payroll during seasonal dips or contract gaps - Restock parts inventory and supplies Facility Investment - Upgrade or expand warehouses and distribution centers - Open new terminals in strategic geographic areas - Acquire land or infrastructure for future expansion Technology Upgrades - Install advanced telematics and data analytics software - Implement transportation management systems - Develop proprietary mobile apps to improve efficiencies Refinancing Debt - Pay off high-interest debt with lower rate loan - Consolidate multiple existing loans into single payment - Improve cash flow with better repayment terms With careful planning and deployment focused on generating ROI, loans provide the fuel for growth every trucking business needs. Monitor progress closely and have a payback plan ready. TrendDescriptionSource1. Electric and Sustainable TrucksThe adoption of electric and sustainable trucks is on the rise, driven by environmental concerns and government incentives. Electric trucks offer lower operational costs and reduced emissions.12. Autonomous Driving TechnologyThe trucking industry is exploring autonomous driving technology to improve safety and efficiency. Self-driving trucks are being developed for long-haul routes.23. E-commerce and Last-Mile DeliveryWith the growth of e-commerce, there's a surge in demand for last-mile delivery services. Trucking companies are adapting to handle more small-scale deliveries.34. Digital Freight MatchingDigital platforms are transforming freight matching, making it easier for shippers and carriers to connect. This trend is enhancing efficiency and reducing empty miles.45. Sustainability InitiativesMany trucking companies are implementing sustainability initiatives, including alternative fuels, eco-friendly practices, and reducing carbon footprints to meet regulatory requirements and customer expectations.5

Small Business Loan For Hotshot Trucking

Accessing Capital When Funding Remains Elusive

For some truckers, securing traditional financing remains persistently out of reach. Fortunately, alternative funding options exist to access the capital critical for survival and success. SBA-Backed Loans The Small Business Administration guarantees portions of loans made by lenders to qualifying businesses. This reduces the lender’s risk, enabling more flexible approval terms. SBA 7(a) Loans finance diverse business needs through lenders like banks and credit unions. SBA 504 Loans provide long-term fixed-rate loans for major assets like land or buildings. Business Credit Cards Separate business credit cards help build a credit profile and offer quick financing for smaller needs. Make sure to pay balances off in full each month. Peer-to-Peer Lending Online platforms like Lending Club facilitate loans funded by individual and institutional investors. Offers more options for borrowers with credit challenges. Invoice Factoring Factoring companies purchase your outstanding customer invoices and advance a large portion of the amount immediately. The balance minus fees gets remitted later upon customer payment. Equipment Leasing Leasing trucks, trailers, and other assets preserves capital for other needs. Ownership transfers after the lease period. Tax benefits offset costs. Rollovers as Business Start-Ups (ROBS) This lets you use retirement savings from a 401(k) or IRA to fund a business without tax penalties. Complex, but provides readily accessible capital. Personal Loans/HELOCs For some small operations, personal loans or home equity lines of credit in your own name allow accessing funds quickly. Use judiciously to limit personal risk. With the many options now available, financing remains within reach for most truckers to accelerate their growth trajectory. Seek expert guidance to navigate the loan landscape specific to your circumstances and needs. The journey may challenge you, but the rewards for your business make it all worthwhile.

How To Get Funding For A Trucking Business

Using a Mortgage for Trucking Business Funding

For truck drivers who own their home, tapping into its equity via a mortgage loan presents another financing option for funding a trucking business. - Drivers can qualify for a mortgage loan or home equity line of credit (HELOC) based on the available equity in their home. - The funds can then be used as startup capital or extra working capital for their trucking business. - Mortgage interest rates are typically lower than business loan rates, reducing borrowing costs. - Payments made towards mortgages provide tax deductions as well. - Allows accessing larger amounts of capital compared to credit cards or personal loans. - The home serves as collateral, so risks losing it if unable to repay the mortgage loan. - Requires caution and discipline to ensure trucking business growth enables mortgage repayment. For qualified applicants, a mortgage loan or HELOC against a paid-off or high-equity home can provide an influx of relatively affordable financing to fund a trucking business when other options are limited. As with any debt, repayability should be carefully evaluated. Talk to Our Financing Experts: Have questions or need personalized guidance? Our team of financing experts is here to help. Contact us today to schedule a consultation and discuss your unique financing needs. We're committed to supporting your trucking business's success.

How To Get A Trucking Business Loan

Statistics on Loan Approval Rates and Trends

When it comes to securing a small business loan for your trucking company, having a clear understanding of the current approval rates and industry trends can be a game-changer. Let's dive into some recent statistics that shed light on the lending landscape in the trucking industry. Approval Rates: A Vital Metric Loan approval rates serve as a critical benchmark for trucking businesses seeking financing. These rates represent the percentage of loan applications that are approved by lenders. Understanding these figures can provide you with valuable insights into the industry's financing climate. Recent Data Points Recent data from industry sources shows that the approval rates for small business loans in the trucking sector have exhibited some noteworthy trends: - Steady Rise: Over the past few years, there has been a steady increase in loan approval rates for trucking businesses. This signifies a growing willingness among lenders to support the industry's financial needs. - Economic Factors: Approval rates often correlate with Read the full article

[ifgusa]

The Way To Open A Factoring Company In 2023 Business Plan

Our El Paso factoring programs supply many advantages to small and mid-size businesses. First, we remove the cash-flow gap brought texas factoring companies on by slow-paying clients. You’ll have the money you have to pay payments, meet payroll, spend money on new resources and more.

Take advantage of our giant network of bill factoring companies in Los Angeles and throughout California. Factor Finders will quickly match your small business to a CA factoring company that offers immediate funding. When your corporation operation wants money, we respond instantly. We allow you to manage your invoices and accounts receivable with our credit score and collection services. In addition to Texas factoring, we manage business credit and supply cash in your growing business wants. By selling your invoices to a factoring firm, you probably can obtain a fast, debt-free infusion of money to cover your bills and put money into growth alternatives.

At Apex, we care about our clients, our partners, and one another. We convey you open and sincere communication, reliable and efficient service, and personal consideration every single day. Our people, the owner-employees of Bankers Factoring, care about their business as a lot as you care about yours. Fellow entrepreneurs honestly working collectively leads to success in enterprise. Your account govt might be with you each step of the finest way that can help you handle your factoring account.

David has the showier character, a nice contrast to Dean’s more reserved demeanor. David had come to the end of his tenure at National Truckers Services (NTS), the corporate that launched him to freight factoring first-hand. Dean worked for Cantey Hanger LLP, thought-about the second oldest legislation agency in Texas. Their introduction set in movement a six-month period of planning and strategizing. David would eventually cash-out his 401(k), and Dean offered essential funding cash within the new startup firm.

Bankers Factoring is the leading invoice factoring and PO Funding company within the San Antonio area. As an employee-owned company, we're dedicated to serving to our purchasers grow their companies in San Antonio by providing fast access to working capital by way of our PO & Factoring Programs. Bankers Factoring is a Texas Invoice Factoring company providing services within the San Antonio Metro area. We provide working capital for rising businesses, entrepreneurs, and any firm with money circulate problems. Contact Bankers Factoring now to talk with our employee-owners to learn the way we help San Antonio businesses with cash flow points. Have you ever turned down or averted a model new gross sales opportunity due to a customer’s payment terms?

If you use a trucking firm, and your transport clients and freight brokers have good credit but are gradually paying their freight bills, then you must contemplate freight invoice factoring. Not solely do you get money advances, but you usually receive other benefits similar to fuel playing cards; gasoline reductions;  or tire and upkeep low-cost packages. Triumph is a leading provider of money move management companies for the trucking industry. Triumph supplies a unified product offering that features bill factoring, gasoline discount programs, truck and cargo insurance coverage, and entry to tools finance, banking, and treasury services. The Lone Star State is residence to an enormous array of accounts receivable financing companies, each with its personal unique method of factoring.

[lexingtontaxgroup]

Empowering Truckers: How Lexington Tax Group Can Help With 1099 Debts

Are you a trucker or do you know someone who is? Today, we're steering this conversation towards a group that is the backbone of our economy – our truckers. While they keep our nation moving, it's not always smooth sailing on the road when it comes to taxes and financial management. Truckers with 1099 income often encounter unique tax situations that can be difficult to navigate. Fortunately, we at Lexington Tax Group are here to help.

Understanding 1099 Income

As an independent truck driver, your income is usually reported on a Form 1099-MISC or 1099-NEC, not a W2. This means you're considered self-employed and, while this can offer considerable tax benefits, it also comes with some additional responsibilities. For example, truckers need to manage their own tax withholdings, estimated tax payments, and self-employment taxes, which can sometimes lead to unanticipated debts.

Tax Debt Management & Resolution

If you've found yourself with a tax debt due to your 1099 income, don't despair. We've successfully resolved tax issues for numerous clients in similar situations. With our deep understanding of tax law, we can help you identify potential deductions and credits, set up affordable payment plans, or even negotiate an offer in compromise with the IRS if you qualify. We're committed to minimizing your tax liabilities and getting you back on the road to financial stability.

Record Keeping & Expense Tracking

Truckers often have a multitude of potential deductions available to them, such as expenses for maintenance, fuel, insurance, and depreciation on their rigs. But to claim these, keeping thorough and accurate records is key. Lexington Tax Group can assist you in setting up and maintaining an effective system for tracking your expenses, ensuring you don't miss out on any possible tax savings.

Quarterly Estimated Taxes

Unlike traditional employees, 1099 workers are expected to pay their taxes on a quarterly basis. This can sometimes be overwhelming if you're not prepared for it. We can assist you in calculating your estimated taxes, helping to avoid any surprises and potential penalties for underpayment.

Retirement Planning

Finally, as a self-employed individual, you're solely responsible for your retirement savings. We can help you explore and choose from various retirement plan options suitable for self-employed individuals, such as a SEP-IRA or a Solo 401(k).

Remember, your rig shouldn't be the only thing getting regular tune-ups; your financial health needs them too. At Lexington Tax Group, we're not just tax professionals, we're your strategic partners on the journey towards financial clarity and freedom.

Contact us today, and let's get your financial wheels rolling in the right direction!

[punjabtruckdrivingschool]

Why Over The Road Truck Drivers Are Essential?

The heavy-duty cargo or freight which requires vigilance during the loading and unloading from the point of pickup to the point of destination is processed and carried out by the over-the-road truck driver. The job usually requires long distances of travel and tedious waiting hours of loading and unloading. The flip side of the coin is that the over-the-road truck drivers are paid very handsome wages. The longer distance trips provide the drivers with considerably exceptional wages.There are many lawful regulations for long-distance traveling to adequately provide the OTR truck drivers with plenty of time to take rest in between the trips. Usually, after driving continuously for 11 hours, the drivers park their trucks and take a rest in the berth of the power unit. The berth includes a bed, kitchen appliances, and a small fridge along with a microwave. It is mandatory to rest for seven hours before getting on the road again.

Usually, after 8 hours of driving, the drivers can take a 30-minute break at the truck stops on the side of highways. During this break, the OTR drivers can refresh themselves with food and shower. The truckers can also use this time window to refuel their power unit's engine. The truck stops have all the basic provisions for the truckers so that they don't have to take a detour from the lane.

What Is The Job Of An OTR Truck Driver?

The principal and foremost task to begin a career as an OTR truck driver is to obtain a Class A Commercial Driver's license. The OTR truck drivers carry many responsibilities while performing their duties on the road. The drivers are required to follow on-road regulations and lay complete adherence to the protection of the cargo.

The OTR truck drivers are required to reach well on time and completely inspect the truck before getting on the road. The OTR drivers are expected to deliver their loads safely at the unloading destination well on time.

The Class A Commercial Driver's license holders are paid on a miles coverage basis. The pay-per-mile system supports the OTR truck drivers in receiving decent salaries for their jobs. The drivers are responsible for logging all the relevant information of the pickup, delivery, paperwork of cargo, and resting times on the database of their respective logistic companies.

Qualification For Working As An OTR Truck Driver:

Class A Commercial Driver's license.

Relevant driving skills.

Compliance with the federal laws and regulations of FMCSA.

Basic High School Certificate or Diploma.

At least 21 years of age.

No DUI or DWI convictions in the past seven years.

Undertaking and passing every drug test required for employment.

Medical certification.

Benefits Of Over The Road Trucking:

Extensive wages.

Complete financial security of the driver and family.

Complete medical, dental and life insurance.

401(k) Retirement savings plan.

The drivers are entitled to paid vacations.

[jobsaggregation2]

Insurance Underwriter - Delivery Truck Fleet Insurance - Memphis, TN

Handle all aspects of underwriting and account management functions of commercial lines property & casualty unit specializing in Transportation, Trucking, and Fleet Insurance products - specifically expanding package delivery fleets accounts (Think Amazon, Walmart, etc.). Maintain and develop independent agency relationships. Assist with capture, design, and management of service platform. Analyze client needs, coverage forms, and quotations during sales process on new and renewal business. Identify exposure to loss and recommend appropriate coverages in coordination with Agency Account Managers. Support sales and account executives with service of new and existing clients through promotion of cross selling opportunities, account development, execution of client requests, and similar. Review applications; analyze loss information for new and renewal submissions; follow-up to ensure timely receipt of quotes and policies; analyze quotes for proper coverages and terms & conditions; and similar. Maintain renewal expirations and avoid lapse in coverages. Prepare written confirmation of new and renewal binding, evidence of coverage, changes to coverage, and related items. Ensure accuracy in agency and document management systems. Keep informed of industry trends, competitor product information, legislation, coverages, and technology related to fleet trucking and cargo insurance products. Build a career at an extraordinary organization offering an industry competitive compensation package, bonuses, tuition reimbursement, full medical benefits, 401(k) savings plan, comprehensive vacation policies, numerous professional development opportunities, vibrant and growth oriented work environment, and more! For complete details contact Greg Foss at: (609) 584-9000 ext 270 Or submit resume online at: dmc9.com/gbf/app.asp Or email to: 1000046300_10006796 AT najbcareers302.com Please reference #41832137 when responding.Educational Requirements: Bachelor DegreeSalary Range: $90,000 to $160,000 Diedre Moire Corporation, Inc. Diedremoire_dot_com WE ARE AN EQUAL OPPORTUNITY EMPLOYER and our employment decisions are made without regard to race, color, religion, age, sex, national origin, handicap, disability or marital status. We reasonably accommodate individuals with handicaps, disabilities and bona fide religious beliefs. Jobs Career Position Hiring. CONSIDERED EXPERIENCE INCLUDES: Commercial Trucking Insurance Truckers Insurance Trucking Fleets Commercial Auto Primary Commercial Auto Liability Insurance Commercial Lines Property and Casualty Car Carriers Tow Truck Operations Auto Dealers Auto Body facilities Underwriter Producer #DiedreMoire #InsuranceJobs #CommercialTrucking #Underwriter #JobSearch #JobHunt #JobOpening #Hiring #Job #Jobs #Careers #Employment #jobposting DISCLAIMER: We will make every effort to consider applications for all available positions and shall use one or more of the contact methods and addresses indicated in resume or online application. Indicated location may be proximate or may be desirable point of embarkation for paid or unpaid relocation to another venue. Job descriptions may fit single or multiple presently available or anticipated positions and are NOT an offer of employment or contract implied or otherwise. Described compensation is not definite nor precise and may be estimated and approximate and is negotiable depending on market conditions and candidate availability and other factors and is solely at the discretion of employers. Linguistics used herein may use First Person Singular and First Person Plural grammatical person construction for and with the meaning of Third Person Singular and Third Person Plural references. We reserves the right to amend and change responsibilities to meet business and organizational needs as necessary. Response to a specific posting or advertisement may result in consideration for other opportunities and not necessarily the incentive or basis of the response. Nothing herein is or may be considered a promise, guarantee, offer, pledge, agreement, contract, or oath. If you submit an application or resume which contains your email address, we will use that email address to communicate with you about this and other positions. We use an email quality control service to maintain security and a remove and dead address filter. To cancel receiving email communications, simply send an email from your address with the word "remove" in the subject line to pleaseremove_AT_candseek4.com Or, visit the website at jobbankremove_dot_com. If you have further concern regarding email received from us, call (609) 584-5499. Reference : Insurance Underwriter - Delivery Truck Fleet Insurance - Memphis, TN jobs from Latest listings added - JobsAggregation http://jobsaggregation.com/jobs/technology/insurance-underwriter-delivery-truck-fleet-insurance-memphis-tn_i10571

[nox-lathiaen]

Insurance Underwriter - Delivery Truck Fleet Insurance - Memphis, TN

Handle all aspects of underwriting and account management functions of commercial lines property & casualty unit specializing in Transportation, Trucking, and Fleet Insurance products - specifically expanding package delivery fleets accounts (Think Amazon, Walmart, etc.). Maintain and develop independent agency relationships. Assist with capture, design, and management of service platform. Analyze client needs, coverage forms, and quotations during sales process on new and renewal business. Identify exposure to loss and recommend appropriate coverages in coordination with Agency Account Managers. Support sales and account executives with service of new and existing clients through promotion of cross selling opportunities, account development, execution of client requests, and similar. Review applications; analyze loss information for new and renewal submissions; follow-up to ensure timely receipt of quotes and policies; analyze quotes for proper coverages and terms & conditions; and similar. Maintain renewal expirations and avoid lapse in coverages. Prepare written confirmation of new and renewal binding, evidence of coverage, changes to coverage, and related items. Ensure accuracy in agency and document management systems. Keep informed of industry trends, competitor product information, legislation, coverages, and technology related to fleet trucking and cargo insurance products. Build a career at an extraordinary organization offering an industry competitive compensation package, bonuses, tuition reimbursement, full medical benefits, 401(k) savings plan, comprehensive vacation policies, numerous professional development opportunities, vibrant and growth oriented work environment, and more! For complete details contact Greg Foss at: (609) 584-9000 ext 270 Or submit resume online at: dmc9.com/gbf/app.asp Or email to: 1000046300_10006796 AT najbcareers302.com Please reference #41832137 when responding.Educational Requirements: Bachelor DegreeSalary Range: $90,000 to $160,000 Diedre Moire Corporation, Inc. Diedremoire_dot_com WE ARE AN EQUAL OPPORTUNITY EMPLOYER and our employment decisions are made without regard to race, color, religion, age, sex, national origin, handicap, disability or marital status. We reasonably accommodate individuals with handicaps, disabilities and bona fide religious beliefs. Jobs Career Position Hiring. CONSIDERED EXPERIENCE INCLUDES: Commercial Trucking Insurance Truckers Insurance Trucking Fleets Commercial Auto Primary Commercial Auto Liability Insurance Commercial Lines Property and Casualty Car Carriers Tow Truck Operations Auto Dealers Auto Body facilities Underwriter Producer #DiedreMoire #InsuranceJobs #CommercialTrucking #Underwriter #JobSearch #JobHunt #JobOpening #Hiring #Job #Jobs #Careers #Employment #jobposting DISCLAIMER: We will make every effort to consider applications for all available positions and shall use one or more of the contact methods and addresses indicated in resume or online application. Indicated location may be proximate or may be desirable point of embarkation for paid or unpaid relocation to another venue. Job descriptions may fit single or multiple presently available or anticipated positions and are NOT an offer of employment or contract implied or otherwise. Described compensation is not definite nor precise and may be estimated and approximate and is negotiable depending on market conditions and candidate availability and other factors and is solely at the discretion of employers. Linguistics used herein may use First Person Singular and First Person Plural grammatical person construction for and with the meaning of Third Person Singular and Third Person Plural references. We reserves the right to amend and change responsibilities to meet business and organizational needs as necessary. Response to a specific posting or advertisement may result in consideration for other opportunities and not necessarily the incentive or basis of the response. Nothing herein is or may be considered a promise, guarantee, offer, pledge, agreement, contract, or oath. If you submit an application or resume which contains your email address, we will use that email address to communicate with you about this and other positions. We use an email quality control service to maintain security and a remove and dead address filter. To cancel receiving email communications, simply send an email from your address with the word "remove" in the subject line to pleaseremove_AT_candseek4.com Or, visit the website at jobbankremove_dot_com. If you have further concern regarding email received from us, call (609) 584-5499. Reference : Insurance Underwriter - Delivery Truck Fleet Insurance - Memphis, TN jobs Source: http://jobrealtime.com/jobs/technology/insurance-underwriter-delivery-truck-fleet-insurance-memphis-tn_i11285

[cvwing1]

Insurance Underwriter - Delivery Truck Fleet Insurance - Memphis, TN

Handle all aspects of underwriting and account management functions of commercial lines property & casualty unit specializing in Transportation, Trucking, and Fleet Insurance products - specifically expanding package delivery fleets accounts (Think Amazon, Walmart, etc.). Maintain and develop independent agency relationships. Assist with capture, design, and management of service platform. Analyze client needs, coverage forms, and quotations during sales process on new and renewal business. Identify exposure to loss and recommend appropriate coverages in coordination with Agency Account Managers. Support sales and account executives with service of new and existing clients through promotion of cross selling opportunities, account development, execution of client requests, and similar. Review applications; analyze loss information for new and renewal submissions; follow-up to ensure timely receipt of quotes and policies; analyze quotes for proper coverages and terms & conditions; and similar. Maintain renewal expirations and avoid lapse in coverages. Prepare written confirmation of new and renewal binding, evidence of coverage, changes to coverage, and related items. Ensure accuracy in agency and document management systems. Keep informed of industry trends, competitor product information, legislation, coverages, and technology related to fleet trucking and cargo insurance products. Build a career at an extraordinary organization offering an industry competitive compensation package, bonuses, tuition reimbursement, full medical benefits, 401(k) savings plan, comprehensive vacation policies, numerous professional development opportunities, vibrant and growth oriented work environment, and more! For complete details contact Greg Foss at: (609) 584-9000 ext 270 Or submit resume online at: dmc9.com/gbf/app.asp Or email to: 1000046300_10006796 AT najbcareers302.com Please reference #41832137 when responding.Educational Requirements: Bachelor DegreeSalary Range: $90,000 to $160,000 Diedre Moire Corporation, Inc. Diedremoire_dot_com WE ARE AN EQUAL OPPORTUNITY EMPLOYER and our employment decisions are made without regard to race, color, religion, age, sex, national origin, handicap, disability or marital status. We reasonably accommodate individuals with handicaps, disabilities and bona fide religious beliefs. Jobs Career Position Hiring. CONSIDERED EXPERIENCE INCLUDES: Commercial Trucking Insurance Truckers Insurance Trucking Fleets Commercial Auto Primary Commercial Auto Liability Insurance Commercial Lines Property and Casualty Car Carriers Tow Truck Operations Auto Dealers Auto Body facilities Underwriter Producer #DiedreMoire #InsuranceJobs #CommercialTrucking #Underwriter #JobSearch #JobHunt #JobOpening #Hiring #Job #Jobs #Careers #Employment #jobposting DISCLAIMER: We will make every effort to consider applications for all available positions and shall use one or more of the contact methods and addresses indicated in resume or online application. Indicated location may be proximate or may be desirable point of embarkation for paid or unpaid relocation to another venue. Job descriptions may fit single or multiple presently available or anticipated positions and are NOT an offer of employment or contract implied or otherwise. Described compensation is not definite nor precise and may be estimated and approximate and is negotiable depending on market conditions and candidate availability and other factors and is solely at the discretion of employers. Linguistics used herein may use First Person Singular and First Person Plural grammatical person construction for and with the meaning of Third Person Singular and Third Person Plural references. We reserves the right to amend and change responsibilities to meet business and organizational needs as necessary. Response to a specific posting or advertisement may result in consideration for other opportunities and not necessarily the incentive or basis of the response. Nothing herein is or may be considered a promise, guarantee, offer, pledge, agreement, contract, or oath. If you submit an application or resume which contains your email address, we will use that email address to communicate with you about this and other positions. We use an email quality control service to maintain security and a remove and dead address filter. To cancel receiving email communications, simply send an email from your address with the word "remove" in the subject line to pleaseremove_AT_candseek4.com Or, visit the website at jobbankremove_dot_com. If you have further concern regarding email received from us, call (609) 584-5499. Reference : Insurance Underwriter - Delivery Truck Fleet Insurance - Memphis, TN jobs from Latest listings added - cvwing http://cvwing.com/jobs/technology/insurance-underwriter-delivery-truck-fleet-insurance-memphis-tn_i14311

[joshhamilton11]

Owner-Operator Tax Tips: Strategies For Independent Truck Drivers

As an independent truck driver, navigating the open road comes naturally to you. But when it comes to taxes, the twists and turns can be a bit trickier to handle. Fear not! With the right strategies, you can steer through tax season like a seasoned pro, especially with the expertise of a trucking tax preparer. Here are some essential owner-operator tax tips to keep your finances on the right track.

1. Track Every Mile: Your truck is your office, and every mile you drive is potential money in your pocket. Keep detailed records of your mileage using a mileage log or a mobile app. The IRS recognizes the importance of accurate mileage tracking and offers deductions based on miles driven for business purposes.

2. Organize Your Expenses: From fuel and maintenance to lodging and meals on the road, being an independent trucker comes with a plethora of expenses. Keep all receipts and records organized throughout the year. Deductible expenses can significantly reduce your taxable income, so don't overlook the small stuff.

3. Know Your Deductions: Speaking of deductions, familiarize yourself with the tax deductions available to owner-operators. This includes deductions for truck maintenance, insurance premiums, equipment purchases, and even a portion of your cell phone bill if it's used for business purposes. Every deduction adds up, so don't miss out on what you're entitled to.

4. Consider Per Diem Rates: Per diem rates allow you to deduct a daily allowance for meals and incidental expenses while on the road. This can be a significant tax saver, as per diem deductions are often higher than actual meal expenses. However, be sure to understand the IRS guidelines for per diem rates and keep accurate records to support your claims.

5. Maximize Retirement Contributions: Just because you're self-employed doesn't mean you can't save for retirement. Look into setting up a tax-advantaged retirement account, such as a SEP IRA or Solo 401(k). Not only do these accounts allow you to save for the future, but they also offer valuable tax benefits, reducing your current tax liability.

6. Stay Up-to-Date on Tax Law Changes: Tax laws are constantly evolving, and what worked for you last year might not be the best strategy this year. Stay informed about changes to tax laws that may affect you as an independent truck driver. Consulting with a tax professional who specializes in working with truckers can help ensure you're taking advantage of all available tax-saving opportunities.

7. Plan Ahead for Tax Payments: Unlike employees who have taxes withheld from their paychecks, independent truck drivers are responsible for making estimated tax payments throughout the year. Failing to plan for these payments can result in hefty penalties come tax time. Set aside a portion of your earnings each month to cover your tax obligations and avoid any surprises.

8. Keep Your Records Secure: In the event of an audit, having thorough and accurate records is crucial. Invest in a secure digital storage system or cloud-based accounting software to keep all your financial records organized and easily accessible. 

[linkhello1]

Insurance Underwriter - Delivery Truck Fleet Insurance - Memphis, TN

Handle all aspects of underwriting and account management functions of commercial lines property & casualty unit specializing in Transportation, Trucking, and Fleet Insurance products - specifically expanding package delivery fleets accounts (Think Amazon, Walmart, etc.). Maintain and develop independent agency relationships. Assist with capture, design, and management of service platform. Analyze client needs, coverage forms, and quotations during sales process on new and renewal business. Identify exposure to loss and recommend appropriate coverages in coordination with Agency Account Managers. Support sales and account executives with service of new and existing clients through promotion of cross selling opportunities, account development, execution of client requests, and similar. Review applications; analyze loss information for new and renewal submissions; follow-up to ensure timely receipt of quotes and policies; analyze quotes for proper coverages and terms & conditions; and similar. Maintain renewal expirations and avoid lapse in coverages. Prepare written confirmation of new and renewal binding, evidence of coverage, changes to coverage, and related items. Ensure accuracy in agency and document management systems. Keep informed of industry trends, competitor product information, legislation, coverages, and technology related to fleet trucking and cargo insurance products. Build a career at an extraordinary organization offering an industry competitive compensation package, bonuses, tuition reimbursement, full medical benefits, 401(k) savings plan, comprehensive vacation policies, numerous professional development opportunities, vibrant and growth oriented work environment, and more! For complete details contact Greg Foss at: (609) 584-9000 ext 270 Or submit resume online at: dmc9.com/gbf/app.asp Or email to: 1000046300_10006796 AT najbcareers302.com Please reference #41832137 when responding.Educational Requirements: Bachelor DegreeSalary Range: $90,000 to $160,000 Diedre Moire Corporation, Inc. Diedremoire_dot_com WE ARE AN EQUAL OPPORTUNITY EMPLOYER and our employment decisions are made without regard to race, color, religion, age, sex, national origin, handicap, disability or marital status. We reasonably accommodate individuals with handicaps, disabilities and bona fide religious beliefs. Jobs Career Position Hiring. CONSIDERED EXPERIENCE INCLUDES: Commercial Trucking Insurance Truckers Insurance Trucking Fleets Commercial Auto Primary Commercial Auto Liability Insurance Commercial Lines Property and Casualty Car Carriers Tow Truck Operations Auto Dealers Auto Body facilities Underwriter Producer #DiedreMoire #InsuranceJobs #CommercialTrucking #Underwriter #JobSearch #JobHunt #JobOpening #Hiring #Job #Jobs #Careers #Employment #jobposting DISCLAIMER: We will make every effort to consider applications for all available positions and shall use one or more of the contact methods and addresses indicated in resume or online application. Indicated location may be proximate or may be desirable point of embarkation for paid or unpaid relocation to another venue. Job descriptions may fit single or multiple presently available or anticipated positions and are NOT an offer of employment or contract implied or otherwise. Described compensation is not definite nor precise and may be estimated and approximate and is negotiable depending on market conditions and candidate availability and other factors and is solely at the discretion of employers. Linguistics used herein may use First Person Singular and First Person Plural grammatical person construction for and with the meaning of Third Person Singular and Third Person Plural references. We reserves the right to amend and change responsibilities to meet business and organizational needs as necessary. Response to a specific posting or advertisement may result in consideration for other opportunities and not necessarily the incentive or basis of the response. Nothing herein is or may be considered a promise, guarantee, offer, pledge, agreement, contract, or oath. If you submit an application or resume which contains your email address, we will use that email address to communicate with you about this and other positions. We use an email quality control service to maintain security and a remove and dead address filter. To cancel receiving email communications, simply send an email from your address with the word "remove" in the subject line to pleaseremove_AT_candseek4.com Or, visit the website at jobbankremove_dot_com. If you have further concern regarding email received from us, call (609) 584-5499. Reference : Insurance Underwriter - Delivery Truck Fleet Insurance - Memphis, TN jobs from Latest listings added - LinkHello http://linkhello.com/jobs/technology/insurance-underwriter-delivery-truck-fleet-insurance-memphis-tn_i11389

[linkhellojobs]

Insurance Underwriter - Delivery Truck Fleet Insurance - Memphis, TN

Handle all aspects of underwriting and account management functions of commercial lines property & casualty unit specializing in Transportation, Trucking, and Fleet Insurance products - specifically expanding package delivery fleets accounts (Think Amazon, Walmart, etc.). Maintain and develop independent agency relationships. Assist with capture, design, and management of service platform. Analyze client needs, coverage forms, and quotations during sales process on new and renewal business. Identify exposure to loss and recommend appropriate coverages in coordination with Agency Account Managers. Support sales and account executives with service of new and existing clients through promotion of cross selling opportunities, account development, execution of client requests, and similar. Review applications; analyze loss information for new and renewal submissions; follow-up to ensure timely receipt of quotes and policies; analyze quotes for proper coverages and terms & conditions; and similar. Maintain renewal expirations and avoid lapse in coverages. Prepare written confirmation of new and renewal binding, evidence of coverage, changes to coverage, and related items. Ensure accuracy in agency and document management systems. Keep informed of industry trends, competitor product information, legislation, coverages, and technology related to fleet trucking and cargo insurance products. Build a career at an extraordinary organization offering an industry competitive compensation package, bonuses, tuition reimbursement, full medical benefits, 401(k) savings plan, comprehensive vacation policies, numerous professional development opportunities, vibrant and growth oriented work environment, and more! For complete details contact Greg Foss at: (609) 584-9000 ext 270 Or submit resume online at: dmc9.com/gbf/app.asp Or email to: 1000046300_10006796 AT najbcareers302.com Please reference #41832137 when responding.Educational Requirements: Bachelor DegreeSalary Range: $90,000 to $160,000 Diedre Moire Corporation, Inc. Diedremoire_dot_com WE ARE AN EQUAL OPPORTUNITY EMPLOYER and our employment decisions are made without regard to race, color, religion, age, sex, national origin, handicap, disability or marital status. We reasonably accommodate individuals with handicaps, disabilities and bona fide religious beliefs. Jobs Career Position Hiring. CONSIDERED EXPERIENCE INCLUDES: Commercial Trucking Insurance Truckers Insurance Trucking Fleets Commercial Auto Primary Commercial Auto Liability Insurance Commercial Lines Property and Casualty Car Carriers Tow Truck Operations Auto Dealers Auto Body facilities Underwriter Producer #DiedreMoire #InsuranceJobs #CommercialTrucking #Underwriter #JobSearch #JobHunt #JobOpening #Hiring #Job #Jobs #Careers #Employment #jobposting DISCLAIMER: We will make every effort to consider applications for all available positions and shall use one or more of the contact methods and addresses indicated in resume or online application. Indicated location may be proximate or may be desirable point of embarkation for paid or unpaid relocation to another venue. Job descriptions may fit single or multiple presently available or anticipated positions and are NOT an offer of employment or contract implied or otherwise. Described compensation is not definite nor precise and may be estimated and approximate and is negotiable depending on market conditions and candidate availability and other factors and is solely at the discretion of employers. Linguistics used herein may use First Person Singular and First Person Plural grammatical person construction for and with the meaning of Third Person Singular and Third Person Plural references. We reserves the right to amend and change responsibilities to meet business and organizational needs as necessary. Response to a specific posting or advertisement may result in consideration for other opportunities and not necessarily the incentive or basis of the response. Nothing herein is or may be considered a promise, guarantee, offer, pledge, agreement, contract, or oath. If you submit an application or resume which contains your email address, we will use that email address to communicate with you about this and other positions. We use an email quality control service to maintain security and a remove and dead address filter. To cancel receiving email communications, simply send an email from your address with the word "remove" in the subject line to pleaseremove_AT_candseek4.com Or, visit the website at jobbankremove_dot_com. If you have further concern regarding email received from us, call (609) 584-5499. Reference : Insurance Underwriter - Delivery Truck Fleet Insurance - Memphis, TN jobs from Latest listings added - LinkHello http://linkhello.com/jobs/technology/insurance-underwriter-delivery-truck-fleet-insurance-memphis-tn_i11389

[artificialgrass]

Class A OTR Truck Driver – 55 CPM – $5k Sign On Bonus

The best overall company truck driver jobs in America are right here at Pride Transport With more than 40 years of success behind us, we have a strong future ahead Owned and operated by a family of truckers, we know how to provide quality trucking careers for CDL-A professional drivers like you. CDL-A Solo Company Truck Driver Jobs Offer: Up to 0.55 CPM with .05 CPM productivity bonus $5,000 sign on bonus and paid orientation for all divisions Guaranteed detention pay; mileage & fuel bonus; stop, layover, & breakdown pay Top of the line Freightliners and Peterbilts fleet average age is 23 months All trucks equipped with refrigerator, satellite radio, optimized idle, available 2000-watt inverter, & fully installed DirecTV Superior runs Experienced support team Paid holidays & vacation Pride driver events: summer BBQ, golf tournaments, driver appreciation week Incident assistance, life insurance, 401(k), health, & dental Start the best part of your driving career at Pride Transport apply for CDL-A Solo Company Truck Driver Jobs Today.

by Jobble

from Naperville Employment https://ift.tt/3ici72r via IFTTT

[maxihealth]

COVID-19 Reveals Urgent Need for Universal Mental Health Care

The coronavirus pandemic has dramatically disrupted every aspect of life for everyday people, ratcheting up stress across all families:

The mandate to #StayHome, being physically distanced from work colleagues, beloved family and friends, and our community touchpoints

The fear and risk-management of contracting the COVID-19 virus, for ourselves and our families

The economic shock or either losing our jobs, seeing our savings eroding from 401(k) plans, losing our health insurance, or all of the above

If we’ve kept our jobs in the pandemic, the novel work environment at-home — with children afoot, some of whom are now forced to be home-schooled while working-at-home has its own challenges

Growing political and social discontent, driving further chasms between Americans across party identification, socioeconomic strata, and geographies (rural/urban, “red state vs. blue state,” etc.); and finally,

The front line of health care workers — physicians, nurses, respiratory therapists, emergency department personnel, et. al. — as well as the “new heroes” in food and “stuff” distribution, from truckers to grocery store staff to the postal service and express deliverers — facing heroic tasks to help people fight the coronavirus in hospitals, or put food on their family tables.

In this pandemic crisis, and whenever “after” will be, people — health citizens, all — face greater levels of stress, anxiety and depression. Alcohol and gun sales are up since the word “pandemic” was pronounced in February 2020, and consumers have taken to scratch baking for comfort feeding at home. Exercising is down, smoking is up.

This calls for a re-think of health care in America, with mental health care a universal need. My essay in Medecision explains the demand side for mental health in America, and calls-to-action to address the challenge.

Here’s a link to the post. Thanks for clicking and reading.

The post COVID-19 Reveals Urgent Need for Universal Mental Health Care appeared first on HealthPopuli.com.

COVID-19 Reveals Urgent Need for Universal Mental Health Care posted first on https://carilloncitydental.blogspot.com

[freelancingbuzz]

A Freelancer’s Guide to Managing Job Uncertainty During the Coronavirus Crisis

As the country grinds to a halt over COVID-19, and the federal government discusses sweeping legislation to help businesses and employees, freelancers may be left wondering: What’s in it for me? Freelance workers—which can include everyone from journalists and photographers to teachers and truckers—contribute $1 trillion to the economy, according to an October 2019 study by Upwork and the Freelancers Union. Yet their careers are often treated by policymakers as cute little hobbies meant to fill time until a “real” job comes along. “Freelancers are facing one of the most difficult times in modern history,” says Rafael Espinal, president of the Freelancers Union. “I don’t believe government has caught up to how we can be helpful to that population.” In some ways, the financial precarity many Americans are now facing is “business as usual” for everyone who depends on contract work to make ends meet. Clients come and go, flush months compensate for lean ones. Hopefully, through it all, a savings account builds. Still, if you’re one of the 57 million Americans who make up our freelance workforce, the next few months aren’t going to be easy. Here are some tips for freelancing in a time of crisis. Evaluate your finances If you’re lucky, you already have enough money saved up in your emergency fund to get you through the next few months. A good rule of thumb is to have 3-6 months’ worth of income in the bank. If you live in an expensive area, or have kids or other family members to support, it’s “often beyond,” says Douglas Boneparth, president of Bone Fide Wealth , which specializes in financial planning for freelancers. No matter how much (or little) savings you have, you should take a serious look at your expenses and start cutting back immediately. “Do everything you can to increase cash savings and liquidity to prepare yourself,” Boneparth says. It may be tempting to tap into retirement accounts early , including 401(k)s. But Boneparth cautions that, “People take the biggest step backward when they start to erode long-term savings for the sake of survival.” Some freelancers may have no choice, but it helps to be aware of tax penalties when withdrawing from these accounts, and at least for your own peace of mind, have a plan for continuing to save once things get back on track. If you’re part of a union or professional organization, don’t be shy about checking in with them to see what kinds of assistance are available to you. “We’re at the beginning of planning a relief fund to provide immediate cash to freelancers in dire situations,” Espinal says. Adjust your skillset Freelancers have always been scrappy, but Covid-19 is making them hustle even harder. “I’m seeing freelancers being very creative,” Espinal says. “Fitness instructors are using YouTube videos or Instagram, makeup stylists are giving tutorials on the internet … ” Think about your current client base, the needs you’ve filled for them in the past, and how you can be of […]

Click here to view original web page at money.com

from Freelancing Buzz https://freelancingbuzz.com/a-freelancers-guide-to-managing-job-uncertainty-during-the-coronavirus-crisis/?utm_source=rss&utm_medium=rss&utm_campaign=a-freelancers-guide-to-managing-job-uncertainty-during-the-coronavirus-crisis via https://freelancingbuzz.com

[jobsaggregation2]

Insurance Underwriter - Commercial Auto - Huntersville, NC

Manage portfolio of commercial auto risks to ensure profitable growth. Coverages include: Auto Liability, Physical Damage, Motor Truck Cargo, Truckers General Liability, Contingent Cargo, Combined Deductibles, Towing Outside the Limits, Rental Reimbursement, Refrigeration Breakdown, Preferred Cargo Forms, Excess Coverages, Non Fleet & Fleet, etc. Review new and renewal applications for trucking insurance coverage. Assess, identify and calculate risk of loss for policyholders with complex risks. Define terms and conditions of the coverage. Establish premium rates. High growth visible position with top company. Salary $70,000 to $95,000 plus bonus plan; company paid full family coverage medical, dental, prescription and vision; matched 401(k); stock; tuition reimbursement and more. For complete details contact Mason Ingling at: (609) 584-9000 ext 239 Or submit resume online at: dmc9.com/mpi/app.asp Or email to: 1000042138_10007348 AT jobbank303.com Please reference #38965248 when responding. Education Requirements: Bachelor Degree Minimum Experience Requirements: 2-5 years Job City Location: Huntersville Job State Location: NC Job Country Location: USA Salary Range: $60,000to $100,000 Diedre Moire Corporation, Inc. Diedremoire_dot_com WE ARE AN EQUAL OPPORTUNITY EMPLOYER and our employment decisions are made without regard to race, color, religion, age, sex, national origin, handicap, disability or marital status. We reasonably accommodate individuals with handicaps, disabilities and bona fide religious beliefs. Jobs Career Position Hiring. CONSIDERED EXPERIENCE INCLUDES: Insurance Underwriter Underwriting Commercial Auto Commercial Transportation Trucking Insurance Fleet Trucking #DiedreMoire #InsuranceJobs #UnderwriterJobs #JobSearch #JobHunt #JobOpening #Hiring #Job #Jobs #Careers #Employment #jobposting DISCLAIMER: We will make every effort to consider applications for all available positions and shall use one or more of the contact methods and addresses indicated in resume or online application. Indicated location may be proximate or may be desirable point of embarkation for paid or unpaid relocation to another venue. Job descriptions may fit single or multiple presently available or anticipated positions and are NOT an offer of employment or contract implied or otherwise. Described compensation is not definite nor precise and may be estimated and approximate and is negotiable depending on market conditions and candidate availability and other factors and is solely at the discretion of employers. Linguistics used herein may use First Person Singular and First Person Plural grammatical person construction for and with the meaning of Third Person Singular and Third Person Plural references. We reserves the right to amend and change responsibilities to meet business and organizational needs as necessary. Response to a specific posting or advertisement may result in consideration for other opportunities and not necessarily the incentive or basis of the response. Nothing herein is or may be considered a promise, guarantee, offer, pledge, agreement, contract, or oath. If you submit an application or resume which contains your email address, we will use that email address to communicate with you about this and other positions. We use an email quality control service to maintain security and a remove and dead address filter. To cancel receiving email communications, simply send an email from your address with the word "remove" in the subject line to pleaseremove_AT_candseek4.com Or, visit the website at jobbankremove_dot_com. If you have further concern regarding email received from us, call (609) 584-5499. Reference : Insurance Underwriter - Commercial Auto - Huntersville, NC jobs from Latest listings added - JobsAggregation http://jobsaggregation.com/jobs/technology/insurance-underwriter-commercial-auto-huntersville-nc_i6913