#i work in professional liability insurance

[thatmartiangirl]

Working in the insurance industry and getting a better idea of how it works and it's becoming clearer and clearer how bonkers it is that the healthcare system in this country is insurance based

[johnbleepingzoidberg]

UNTITLED EVIL LUIGI AU COMIC THING | Page 1 of (???)

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Luigi’s been acting weird lately-- and Bowser’s concerned. When Luigi vanishes one day without any warning, Bowser begrudgingly turns to Mario for help, meeting him at a (humorously petite) cafe in Mushroom Kingdom to discuss what’s been going on. Old rivalries die hard.

The cafe has really good liability insurance, don’t worry.

(A/N under the cut)

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bear with me as i try to find my footing with this LOL, i am by no means a professional comic artist. i’m writing (or attempting to, at least) a comic based on my Evil Luigi AU-- read the original post/see the original art my looking thru the #my art tag on my blog! this is a bowuigi AU, so the relationship’s pre-established and Luigi, up until he ran away, had been ruling Koopa Kingdom alongside Bowser and navigating that fun new king life.

i have no idea what to tell yall to expect other than the fact that this will be very inconsistent in literally all senses of the word :’) but hey, im tryin my best-- i havent done any sort of comic in a long time and im having a lot of fun with this so far. if anything it’s good practice. right now i have at least a few pages planned out, but im not sure how quickly ill be able to draw them out, especially since i’ll be working full-time again soon. so see this as a bit of a teaser for things to come/an experiment to measure interest in the idea. :D

[nananarc]

Gonna disclose my income as a freelance artist because I feel like it might give some perspective. And mostly bc I'm feeling a bit burnout and I want pity points ok? Lol.

Context 1: For sake of simplicity, all figures are net income (minused all fees, charges, insurance, benefits, etc)

Context 2: I live in a big city in Việt Nam and the cost of living is relatively low. A salary of 1000$/month is considered really good for someone living alone with one pet, no family or children, no debt or other liabilities. Entry level jobs usually start at around 200-300$/month.

.

Let's start in 2021 because that's when it can be considered when I started doing art professionally.

In 2021 and 2022, I was juggling between art school, a part-time online side gig, building social media for my art, and of course try to get commissions. But coms were few and far between, mainly because I didn't have an online present before and I only hang in relatively small fandoms. So all I earn through side gig and art were only some change, in total avarage to about 40$/ month. Some months made up for no income months.

In 2023, things starts to be a bit better as I get more confident in my skill, but coms are still few and far between and months with no income is still common. Side gig was few and far between too and pay less. Overall I'd say it goes up to about 80$/month.

This year 2024, art school is done, I can finally do art full time. But I was severely burnout because all the accumulated stress since waaaaay before catch up with me and i couldn't cope anymore. I have to spend a lot of time resting instead. Fortunately, I received a decent amount of coms each month, and the new patreon surprisingly got a few supporters (I fully realistically expected it to sit at 0 for at least a year). Overall, I have an 8 hours 4 days work week: 4 hours a day on com and managing social media and other stuff that actually makes money; 4 hours a day on my own projects and personal indulgence that doesn't directly make money. As of now, my income is about 180$/month.

.

You are probably wondering how the fuck do one live like this in this economy.

It's because my family is middle class and can afford a freeloader like me in their house, receive their pocket money and tuition fee. I'm privileged.

But of course my family isn't rich and if just one catastrophic event happens to us, we'd be in bad shit. I'm constantly in anxiety of money, work, and the future. It doesn't help that I'm late 20s and many people around keep reminding of how I'm not making money yet still leeching off parents. It doesn't help that, for years all i hear about art is it will just lead to failure and no money.

.

But still, I am thankful of my family for letting me stay here. And all my friends and supporters for giving me money oc lol, but more importantly, believing in me more than I ever do in myself. I read all of your little tags, your keysmash and compliments, and I keep them all dear to my heart, and I went back to them everytime I need motivation. I can't see where my future as an artist will be, but I cling to your support and love as the will to keep going. Thank you all so, so fucking much. I'd have been literally dead in a ditch somewhere without you guys.

Anyway, idk, I've always been adamant about wage transparency (especially in a corporate setting) but I rarely see this in freelance artists. except to flex, to promote the hustle culture, or to sell some courses they made. Most of us don't want/can't subscribe to the grind and have nothing to flex either. All we have is this shit economy. I'd wish we could have been more open about this and many of us wouldn't have to feel so lonely and despair all the time.

[brehaaorgana]

THIS WEEK, IN "MY ALCOHOLIC DAD DIED,":

I am really glad that I know just enough about how estate handling works to be dangerous.

While we did our best with cleaning the apartment, and I left my contact info as next-of-kin when I returned the apartment keys, the rental management company reached out to my Aunt in order to let her know they'd identified bio-material (ew) and will need to hire professional cleaners.

This is part of the email they sent:

At this time, bio-material has been identified in the unit. As this is the case, we will need to have the unit treated by a specialty team to complete. Once the service is complete, we can send you the final statement. As this service is costly, we are requesting quotes from multiple company to provide you the best end price. I wanted to make sure you all are aware where we are currently with his account. Please let me know if you have any questions or concerns I can help with.

Now, my dear followers, have you spotted the bullshit that even a specialty team couldn't treat?

I'll lay it out!

Once the company was advised that I am legally next of kin, they have no business emailing anyone else but me! I signed return keys paperwork in person, in their office, by writing "on behalf of the estate of (my dad's name)" then my name and then following it with "(Next of Kin, Acting Executor)." I probably didn't need to do any of that but I won't be caught signing anything that even remotely looks like I am taking personal legal liability lmfao. I provided my address and contact info as the next of kin. They demanded seeing MY legal id in order to let me into the apartment. Failure to update best contact info is a bad look.

"this service is costly," neat! You can start by applying his security deposit and making a claim with renters insurance if he notified you of any. You should file that claim before his rental insurance finds out he's dead. You cannot tell me your fucking expensive apartment didn't have a hefty security deposit.

"in order to give you the best end price" oh, really? Gee THAAAANKSS that's SOoOoOoOoo THOUGHTFUL!!! 🙄 This is a bullshit thing to say. You don't need to give me options lol. You should be choosing the most affordable option because —

Sweethearts, your final statement isn't being paid by ME. It's being paid by my father's estate. You are making the gamble there's any money in it. I'm not legally liable to pay any of my father's debts, including your final apartment bill. The liability is with the estate. You can choose the most expensive option and if the estate has no money, then you're the one left with the bill.

Basically what a stupid email to send. You should choose whatever price you're willing to lose entirely in case the estate is insolvent. Get in line with all his credit cards, this dude didn't own property, or his car, and declared bankruptcy at least once lmfao.

probate court will take months, my father was probably broke, and unluckily for you I EAGERLY look forwards to my dad's broke ass screwing over a greedy California landlord. ✌🏻

And I know I don't have to pay a single red cent from life insurance payout if I get anything.

[religion-is-a-mental-illness]

By: Eliza Mondegreen

Published: Sept 12, 2023

First comes the pushback, then the pullback. 

Yesterday, the Washington University Transgender Center at St. Louis Children’s Hospital announced that doctors there will no longer prescribe puberty blockers or cross-sex hormones to children and adolescents. This decision follows months of controversy and comes in the wake of a new law that just went into effect in Missouri, which limits hormonal and surgical interventions for gender transition to patients over the age of 18.

Under a “grandfather clause” in the new law, the Transgender Center could have continued to prescribe puberty blockers and cross-sex hormones to current patients. However, it decided to back away from these interventions altogether:

We are disheartened to have to take this step. However, Missouri’s newly enacted law regarding transgender care has created a new legal claim for patients who received these medications as minors. This legal claim creates unsustainable liability for health-care professionals and makes it untenable for us to continue to provide comprehensive transgender care for minor patients without subjecting the university and our providers to an unacceptable level of liability.  - WASHINGTON UNIVERSITY TRANSGENDER CENTER

The Center first came under intense scrutiny earlier this year, when former case manager Jamie Reed blew the whistle on what she had come to see as dangerous practices within the clinic. In an article for The Free Press, Reed reported that: 

“During the four years I worked at the clinic as a case manager—I was responsible for patient intake and oversight—around a thousand distressed young people came through our doors. The majority of them received hormone prescriptions that can have life-altering consequences—including sterility. I left the clinic in November of last year because I could no longer participate in what was happening there. By the time I departed, I was certain that the way the American medical system is treating these patients is the opposite of the promise we make to ‘do no harm.’ Instead, we are permanently harming the vulnerable patients in our care.” - JAMIE REED

Reed catalogued “red flag” cases to keep track of “the kind of patients that kept my colleague and me up at night” and documented cases of youth with serious mental health struggles rushed onto life-altering drugs and even undergoing surgeries they soon regretted. The Transgender Center rejected Reed’s assessment and conducted their own internal investigation — an investigation in which they never bothered to speak to Reed — before declaring her allegations “unsubstantiated”. 

But the case for youth gender transition has been unravelling this year, under pressure from state officials and legislators and increased scrutiny from the media. At the end of August, St. Louis Circuit Court Judge Steven Ohmer allowed Missouri’s ban on hormonal and surgical interventions for youth to go into effect, writing that the evidence for youth transition “raises more questions than answers”. 

Hence the “unsustainable liability” Washington University cited in its decision to pull back from this area of healthcare. That’s because Missouri’s new law also extended the period of time former patients have to sue for damages to 15 years. Perhaps, when the Washington University investigated themselves, they found more merit to Reed’s allegations than they were willing to acknowledge publicly. They fear being made to pay for it. 

Medical scandals tend to end quietly: the “chemical lobotomy” phased out the lobotomy-lobotomy. The Satanic Panic choked not on its own absurdities but in courtrooms and insurance offices. Public reckonings are few and far between. “Unsustainable liability” may be the beginning of the end for youth gender transition. 

==

How could there be an "unacceptable level of liability" when all of this "gender affirming care" is based on evidence, of which there is definitely plenty, and "the science," which is definitely reliable and high quality? Isn't it "life-saving"? We were told it was "life-saving," right? Wasn't it "life-saving"? How can anything be an "unacceptable liability" when people aRe LiTeRaLLy dYiNg!!1!

If all of these drugs and cosmetic surgeries and amputations and other sex trait modifications were so well evidenced, so ethical and so necessary, it should be an absolute doddle in the insurance office and the courtroom. It all just needs to be explained clearly and people will agree. Right? Because detransition is rare, regret is rare, complications are rare, "kids know who they are," all the medical experts agree, and there's no legitimate concern, just "far-right" bigots conducting their "genocide." Right?

I said some time ago that only the lawsuits would stop it in the US and Canada. It looks like that's begun. Hospitals aren't willing to put their bottom line ahead of, or their necks on the chopping block for, adherence to this religion.

[rebeccathenaturalist]

I am very excited to announce that, after over a year of planning and preparation, I am officially available for hire as an independent nature tour guide! Take me along on your hike and I'll help you identify the animals, plants, and fungi that we see along the way. Curious about the geological forces that shaped the land, or how the climate affects what living beings we see? We can explore those topics and more as we go. No formal scientific background needed--anyone can learn about the nature around them!

While I am based in the Columbia-Pacific region that spans southwest Washington and northwest Oregon, I am available to work elsewhere in either state, to include on any private land with landowner's permission, and public land with a commercial use permit. And I can lead tours year-round as long as weather permits; the mild climate on the coast means there are plenty of opportunities even when the rest of the region may be dealing with snow and ice, or dangerously high temperatures.

I became certified as an Oregon Master Naturalist in 2017 and was first certified as a Wilderness First Responder in 2013; I have maintained both certifications since then. I am a registered Oregon Outfitter Guide; this registration is necessary to perform any commercial guiding in the state of Oregon. I maintain both general and professional liability insurance. You can find out more about me here. I hold myself to a high standard of ecological awareness and responsibility toward my tour sites and their wild inhabitants. Tour proceeds are shared with non-profit organizations that restore and protect wild land, and I regularly volunteer in habitat restoration and other land stewardship activities.

To find out more details, head over to http://www.hireanaturalist.com - for inquiries regarding booking, contact me at rebeccathenaturalist(at)gmail(dot)com

(Reblogs welcome and appreciated!)

[37q]

had a followup w a client yday and we had talked abt getting him into therapy but stuff that works with trauma at our last appt and he said this time i wish you could be my therapist because we talked awhile abt all his shit and all i could say was haha hopefully somebody with some kind of professional liability insurance honey

[dreamingofbabylon]

Listen, if you work in the US please just listen for a second.

I think it goes without saying the job market is in utter shambles. If you're working or job hunting please please please take some time to familiarize yourself with the workers rights laws in your state. We will never make headway in advancing our rights if we don't understand and advocate for the ones we have.

there are a lot of things to watch out for, but this is one many people don't seem to know about. I definitely didn't until uh. recently. (I'm not an expert, and this is not professional legal advice, I'm just sharing my experience within my own state and situation. Check your state's Department of Labor website for resources/info)

Please be aware that some jobs may try to hire you as an independent contractor. If you aren't seeking contracted work, this is a RED FLAG.

In very basic terms, and employee is your typical job. You get a W-2 at tax season, and taxes are taken out of your paycheck automatically. Your boss sets your schedule and duties, and provides the training and tools to do your job. You have no ownership of the business, and they set the rules.

If you are an independent contractor, you are essentially a business owner. You can be hired to provide a service, which is done on YOUR terms. You provide your own equipment, hire your own team, prepare your own taxes (probably a 1099), and the person paying you can't train you or tell you how to do your job.

If those criteria are not being met, but you've been hired as a contractor instead of an employee, you may have been illegally misclassified.

Why do employers do this? Basically, employees are promised certain legal rights and protections, which do not necessarily apply to independent contractors. So sometimes businesses will try to (illegally) get the best of both worlds by hiring you under their terms (setting your schedule, duties, etc) without the liability, expenses, or insurance and tax burdens of hiring an employee. Then at tax season, YOU owe the IRS a shit ton of money, and you have no writeoffs because of course you don't. you don't have business expenses for someone else's business

if you think you've been misclassified, or have experienced ANY mistreatment at work, please speak with a professional.

Talking to a lawyer may seem intimidating and expensive. But many employment lawyers offer free consults. They will hear you out for free, and tell you if you have a case.

In my personal experience, my lawyer met with me and reviewed all the evidence and info I had. They contacted my previous "employer" and their legal counsel on my behalf for free. They negotiated a settlement for me, and all I owed them was a percentage of that settlement. If they couldn't get me anything, I wouldn't have owed them anything.

These are just things I wish I had known earlier, so I'm sharing in case it can help even one person not get fucked over. Advocate for yourself. Unionize your workplace. KNOW YOUR RIGHTS.

[mddeck]

Deck Builders in Poolesville MD | MD Deck

Are you looking for top-notch deck builders in Poolesville, MD? Look no further!

Finding a skilled deck builder in your area is now easier than ever. With their expertise and experience, they can create the perfect outdoor space for you to relax and entertain.

Whether you want a simple deck repair or a brand new deck installation, these professionals are here to help.

Get ready to enhance your outdoor living with the best deck builders in Poolesville, MD.

Best Deck Builders in Poolesville MD

If you're looking for the best deck builders in Poolesville MD, you'll find a wide selection of highly skilled and reputable professionals to choose from. When it comes to building decks, you want to ensure that you hire only the best in the business. With the best deck builders in Poolesville MD, you can trust that your project will be completed to the highest standards.

These deck builders in Poolesville MD have years of experience and expertise in designing and constructing beautiful and functional decks. They've a deep understanding of the local climate and building codes, ensuring that your deck will be built to withstand the elements and comply with all necessary regulations.

The best deck builders in Poolesville MD take pride in their workmanship and attention to detail. They'll work closely with you to understand your vision and create a deck that perfectly complements your home and lifestyle. Whether you're looking for a simple backyard deck or an elaborate multi-level deck, these professionals have the skills and knowledge to bring your dream deck to life.

Don't settle for anything less than the best when it comes to building your deck. Choose from the top deck builders in Poolesville MD and enjoy a beautiful and durable deck that will enhance your outdoor living space for years to come.

How Do I Find a Good Deck Builder in Poolesville

To find a good deck builder in Poolesville, start by asking for recommendations from friends, neighbors, or local home improvement stores. Word of mouth is often a reliable way to find trustworthy professionals.

Once you have a list of potential deck builders, consider the following factors to help you make an informed decision:

Experience and Expertise:

Look for deck builders who've extensive experience in the industry and specialize in deck construction.

Check if they've the necessary licenses and certifications to ensure their expertise in deck building.

Portfolio and References:

Ask for a portfolio of their previous projects to assess the quality of their workmanship.

Request references from past clients to get feedback on their professionalism, reliability, and customer satisfaction.

Insurance and Warranty:

Ensure that the deck builder has adequate insurance coverage to protect you from any liability in case of accidents or damages during the construction process.

Inquire about their warranty policy for the materials used and the work performed on your deck.

How Much Does it Cost to Build a Deck in Poolesville, MD

Wondering about the cost of building a deck in Poolesville, MD? When it comes to deck construction, there are several factors that can affect the cost. The size of the deck, the materials used, and the complexity of the design all play a role in determining the overall cost. Hiring a reputable deck contractor is essential in ensuring that the project is done properly and within your budget.

Deck builders in Poolesville, MD typically charge an average of $30 to $60 per square foot for deck installation. This cost includes both materials and labor. Keep in mind that the cost can vary depending on the specific details of your project. If you choose to use high-end materials or add special features such as built-in seating or lighting, the cost may increase.

To get an accurate estimate for your deck construction project, it's best to consult with a few deck builders in Poolesville, MD. They can assess your space, discuss your design preferences, and provide you with a detailed quote. It's important to compare quotes from different contractors to ensure you're getting a fair price.

Deck Contractors in Poolesville MD

When hiring deck builders in Poolesville, MD, it's important to find experienced professionals who can ensure the successful completion of your deck construction project. Deck contractors in Poolesville, MD are skilled individuals who specialize in building and renovating decks for residential and commercial properties.

Here are a few reasons why hiring deck contractors is beneficial:

Expertise: Deck contractors in Poolesville, MD have the knowledge and expertise to design and construct decks that meet your specific needs and preferences. They're familiar with local building codes and regulations, ensuring that your deck is built safely and legally.

Quality workmanship: Deck contractors take pride in their work and strive to deliver high-quality results. They have the skills and tools necessary to build durable and long-lasting decks that can withstand various weather conditions.

Time and cost efficiency: Hiring deck contractors can save you time and money in the long run. They have access to quality materials at competitive prices and can efficiently complete the project within the agreed-upon timeframe.

Peace of mind: By hiring deck contractors in Poolesville, MD, you can have peace of mind knowing that your deck construction project is in capable hands. They'll handle all aspects of the project, from obtaining permits to ensuring proper installation.

Deck Repair Poolesville MD

If you're in need of deck repair in Poolesville, MD, look no further than our experienced team of professionals. We understand that your deck is an important part of your home and we're dedicated to providing top-notch repair services to ensure its longevity and safety.

Our team of deck builders in Poolesville, MD, have the expertise and skills to handle any deck repair project. Whether you have a small crack or a major structural issue, we've the knowledge and tools to fix it. We'll assess the damage, provide you with a detailed plan of action, and execute the repairs efficiently and effectively.

Deck repair isn't something to be taken lightly. It requires a thorough understanding of the materials, construction techniques, and safety regulations. Our team has years of experience in the industry and stays up to date with the latest industry standards. You can trust us to handle your deck repair needs with professionalism and precision.

Don't let a damaged deck ruin your outdoor enjoyment. Contact our deck repair experts in Poolesville, MD, today and let's restore your deck to its former glory. We take pride in our work and are committed to providing exceptional service to our customers.

Porch Contractors in Poolesville MD

Looking for reliable porch contractors in Poolesville, MD who can provide top-notch services and ensure the longevity and safety of your porch? Look no further! Poolesville is home to a number of experienced porch contractors who are ready to transform your porch into a beautiful and functional space.

When hiring porch contractors in Poolesville, MD, here are a few things to consider:

Experience: Look for contractors who've a proven track record of successfully completing porch projects. This will give you peace of mind knowing that your project is in capable hands.

Expertise: Different porch contractors may specialize in different types of porches. Whether you're looking for a screened porch, a wrap-around porch, or a covered porch, make sure to find a contractor who's the expertise to meet your specific needs.

Reputation: Check online reviews and ask for references to gauge the reputation of the porch contractors you're considering. A good reputation is a strong indicator of quality work and customer satisfaction.

Frequently Asked Questions

Are There Any Specific Building Permits or Regulations That I Need to Be Aware of When Building a Deck in Poolesville, Md?

When building a deck in Poolesville, MD, you need to be aware of specific building permits and regulations. Make sure to check with the local authorities to ensure you comply with all necessary requirements.

Can I Choose Any Type of Material for My Deck, or Are There Restrictions on What Can Be Used in Poolesville?

You can choose from a variety of materials for your deck in Poolesville, MD. However, it's important to check with local regulations and building codes to ensure there are no restrictions on what can be used.

How Long Does the Deck Building Process Typically Take in Poolesville, Md?

Typically, the deck building process in Poolesville, MD takes around 2-4 weeks. Factors such as the size of the deck and any special features can affect the timeline.

Do I Need to Hire Additional Professionals, Such as Electricians or Plumbers, When Building a Deck in Poolesville?

You typically don't need to hire additional professionals like electricians or plumbers when building a deck in Poolesville. However, it's always a good idea to consult with a professional to ensure everything is up to code.

Are There Any Maintenance Requirements or Recommendations for Decks in Poolesville, Md?

You should be aware of the maintenance requirements for decks in Poolesville, MD. Regular cleaning and sealing will help protect your deck from weather damage and keep it looking great.

Conclusion

So, if you're in need of a deck builder in Poolesville, MD, or deck builders in Maryland there are plenty of options to choose from. From finding the best deck builders to understanding the costs involved, you can easily find the right contractor for your project.

Additionally, if you need deck repair or porch contractors, there are professionals available to help with those services as well.

Don't hesitate to reach out and start building your dream deck today!

qmDmZPbEft7D8v

[mightyflamethrower]

Rising malpractice premiums are blocking the creation of new transgender “clinics” for teenagers.

“I didn’t anticipate that it was going to be a big deal,” Andy Rowe, the healthcare operations director for The Project of the Quad Cities, told Time magazine.

Rowe had called the clinic’s insurance broker to inquire about getting a new provider added to the organization’s malpractice policy.

The Project of the Quad Cities is an LGBTQ+ clinic located in Moline, Illinois, which has been trying to provide transgender-related medical procedures for minors living across state lines, where such practices are banned.

The organization embarked on this endeavor in June, and by early November, Rowe found that more than a dozen malpractice insurers had declined to offer the clinic a policy.

After five months of searching for malpractice insurance, Rowe finally received a quote for a policy that would allow The Project of the Quad Cities to offer transgender procedures for children, but “that’s when he realized finding a policy was only the first hurdle,” Time reported.

It turned out that coverage that Rowe had anticipated would cost $8,000 to $10,000 a year was instead quoted at $50,000.

Meanwhile, in New Mexico, family medicine physician Anjali Taneja said the clinic she works at was quoted “double what we paid a few years ago” to cover transgender procedures for adults.

While independent clinics and medical practices have been relocating across state lines to offer such medical procedures to minors, they are quickly finding out that obtaining malpractice insurance on the commercial marketplace has become a barrier, even in states that allow such practices.

Insurance industry advocates say these higher premiums are justified due to increasing legislation regarding transgender medical procedures for minors, meaning that clinics are at an increased risk of being sued.

“If state laws increase the risk of civil liability for health professionals, premiums will be adjusted accordingly and appropriately to reflect the level of financial risk incurred by the insured,” Mike Stinson, vice president of public policy and legal affairs at the Medical Professional Liability Association, said.

Stinson added that if state laws make an activity illegal, insurance simply will not cover it.

Those who are opposed to minors receiving transgender-related procedures have recently been pointing to “detransitioners,” who have filed lawsuits against the doctors who allowed them to undergo such medical procedures.

In the meantime, malpractice premiums are currently serving to put a damper on clinics that want to offer or have been offering surgeries and hormone “therapies” that mutilate children’s bodies.

So many "alleged" medical experts and politicians will one day pay for this. What were they thinking??

[musicinsurancecompany]

Be Financially-Safe During Unforeseen Events with Music Dealer Insurance

What is the first thing that comes to your mind when you hear people saying - individuals who possess musical equipment should buy a suitable insurance plan? Probably, you think about professional musicians. Right? However, there is more under that tag. Yes. Read on!

People with musical instruments can be anyone - a music teacher, someone taking music classes, a paid performing artist, a musical instrument appraiser or repairer, and even a musical equipment dealer.

Most importantly, they should all take care of their musical paraphernalia and buy a dedicated insurance plan to ensure maximum protection. This blog will take you through the basics of Music Dealer Insurance and why music store owners should prioritize it.

Some simple yet tricky questions to answer!

Are you an owner of a music dealership with various kinds of musical instruments on display and otherwise? Does your collection range from beginners to high-end heritage musical gear? Do you have your music instrument shop in the basement of your home? Do you think your home insurance plan is enough to cover your store?

If your answer is YES to the above questions, brace yourself to answer some more:

Situation I: What if your client suffers injury inside your shop after a guitar falls over them? What if they file a lawsuit against you asking for compensation? Will your home insurance policy come in handy? Will it protect you against such third-party liabilities?

Situation II: What if a fire breaks in your shop or someone intentionally torches it? Will your home insurance plan offer complete compensation and pay off the entire value of your possessions?

Situation III: What if the new consignment of musical instruments you just received turns out to be damaged? Will it come under your homeowner's insurance plan?

Situation IV: What if your musical instrument shop suffers a catastrophe damaging much of the equipment? Do you think your home or renter insurance plan compensates?

Always remember! No matter what and how much money you may have invested in buying a home insurance plan, it is least likely to cover the above scenarios. However, with a comprehensive Music Dealer Insurance plan in place, you can rest assured. It will extend protection against all such situations.

What other scenarios will your music dealer insurance policy cover you against?

Here is a list of some more situations an all-encompassing musical instrument insurance policy will cover:

• If unscrupulous people vandalize or loot your shop, a dedicated insurance plan will compensate you for the same.

• If you somehow get implicated in a third-party liability case involving your musical instruments or shop, your home insurance policy will not compensate you for the loss. Right from paying off the client to expensive lawsuits, you will have to bear it on your own. A gentle reminder - legal expenses can burn holes in your pocket. However, if you purchase an independent insurance policy for dealers, you and your finances are in safe hands.

• If a consignment gets damaged or lost during transportation, your renter's or home insurance will not come to your rescue. However, a standalone plan made for music dealers will save your day.

• Unlike a dedicated insurance product of musical instrument dealers, your home insurance plan is least likely to compensate for accidental damages.

• One of the best things about specialized insurance plans is - it offers worldwide coverage. So, no matter where you go, insurance protection will follow you above and beyond.

With the assurance of all-risk coverage and ultimate peace of mind, don’t you think buying a dealer-specific insurance plan is worth it? Although it won’t be able to predict or prevent an unforeseen event, it will definitely come to your rescue and guard you against massive financial loss. So, find a reliable insurance service provider that works with musical instruments and dealers and turn the peace mode on.

[lonelywitchversion13]

Been working on fixing the outside of my house up.

Got insurance on it.

Just got a letter telling me that the insurance was cancelled bc they sent someone out TWO DAYS after our 4 ft of snow snow storm to take photos of my house.

That is CLEARLY being worked on.

They said my roof is a liability. It was literally just replaced 2 years ago.

The outside is not painted the same colors -ITS CLEARLY IN THE PROCESS OF BEING PAINTED SORRY IM NOT PAYING A CREW TO DO IT PROFESSIONALLY.

AND there windows "boarded up" THOSE WINDOWS DONT EXIST ANYMORE. THE HOUSE WAS REMODELED. YOUR FUCKING ASSHOLE PHOTO TAKER CLEARLY CANT TELL THE DIFFERENCE BETWEEN A BOARDED UP WINDOW AND A WINDOW THAT DOESNT EXIST ANYMORE.

Sorry I can't find matching siding are you fucking serious???

I can't have insurance because the house isn't aesthetically pleasing right now???? Get fucked.

[fingofinance]

Novated Lease FBT: How It Impacts Your Car Salary Packaging

When it comes to making the most of your salary package, a Novated Lease is a popular option for employees looking to drive a new car while potentially reducing their taxable income. However, understanding how the Novated Lease FBT (Fringe Benefits Tax) works is crucial to ensure you’re maximizing your benefits while staying compliant with tax regulations.

What is a Novated Lease?

A Novated Lease is a three-way agreement between you, your employer, and a leasing company. Essentially, your employer deducts car-related costs, such as lease payments, fuel, maintenance, and insurance, from your pre-tax salary. This arrangement can significantly reduce your taxable income, making it a financially attractive option for many.

What is Fringe Benefits Tax (FBT)?

FBT is a tax employers pay on benefits provided to employees or their associates, such as a company car. For those using a Novated Lease, FBT comes into play as the car is considered a fringe benefit. Understanding how FBT applies to your lease is essential for accurately calculating the overall cost and potential savings.

How Does Novated Lease FBT Work?

When you enter into a Novated Lease, the taxable value of the car—based on factors such as its purchase price and the distance traveled—determines the FBT liability. Employers typically offset this tax by passing it on to employees through salary deductions. This ensures the benefit of the lease is not entirely tax-free, but it can still offer significant savings compared to traditional car ownership.

The Benefits of a Novated Lease Despite FBT

While the inclusion of FBT might seem like a drawback, Novated Lease FBT still offers notable advantages:

Reduced Taxable Income: By packaging your car costs into your pre-tax salary, you lower your taxable income, potentially reducing the overall tax you pay.

Convenience: Bundling expenses like fuel, insurance, and servicing into a single payment simplifies your finances.

Cost Savings: Discounts on vehicle purchase prices and running costs are often available through fleet discounts negotiated by leasing companies.

Using a Novated Lease Calculator

One of the best ways to understand the financial implications of a Novated Lease and FBT is by using a novated lease calculator. These tools allow you to input details such as:

Your salary

The cost of the car

Expected annual mileage

Lease duration

The calculator provides a clear picture of your take-home pay after accounting for lease payments, FBT, and potential tax savings. This transparency helps you make an informed decision before committing to a lease agreement.

Testimonials: Real Stories from Novated Lease Users

"Switching to a Novated Lease was a game-changer for me. Even with the FBT considerations, my monthly car expenses dropped, and managing everything through salary packaging made life so much easier!" – Sarah M., Marketing Manager.

"Using a novated lease calculator helped me see the exact savings I’d get. It’s been a smooth experience, and I’m thrilled with my new car and the tax benefits!" – James R., IT Consultant.

FAQs About Novated Lease FBT

1. Does FBT make a Novated Lease less beneficial?

Not necessarily. While FBT is an added cost, the overall tax savings from salary packaging often outweigh the FBT liability, especially when using tools like a novated lease calculator to estimate your savings.

2. Can I avoid FBT altogether with a Novated Lease?

Some vehicles, such as electric vehicles (EVs) under certain conditions, may qualify for FBT exemptions or reductions. Always check current government policies or consult a tax professional for guidance.

3. What happens if I leave my job during the lease term?

If you leave your job, the lease can be transferred to a new employer, or you may need to take over the lease payments independently. It’s important to understand this clause in your lease agreement.

Conclusion

A Novated Lease can be a powerful tool for reducing your taxable income and enjoying the convenience of a new car. While Novated Lease FBT is a factor to consider, the benefits often outweigh the costs for many employees. By using resources like a novated lease calculator, you can gain a clearer understanding of the potential savings and make an informed decision tailored to your financial situation.

Salary packaging your car through a Novated Lease isn’t just about driving a new vehicle—it’s about driving smarter, saving tax, and simplifying your expenses. Explore your options and consult with your employer or a leasing specialist to ensure this financial strategy works for you!

[radgoateepoetry]

Top 5 Questions to Ask Your Roofer Before Employing

Introduction

When it concerns maintaining and updating your home, couple of projects are as significant as roofing. Whether you're thinking about a total roof replacement, handling small roof repairs, or exploring options like metal roofing, the stakes are high. A solid roof safeguards you from the aspects and contributes to your home's overall worth. However before you sign on the dotted line with any roofing contractors, it's important to equip yourself with the right concerns. This post dives deep into the Top 5 Questions to Ask Your Roofing Contractors Before Hiring, ensuring you make a notified decision.

Understanding Your Roofing Needs What Kind of Roofing system Do I Need?

Choosing the right kind of roofing system can be frustrating, especially with so many options offered. Elements like climate, aesthetic appeals, and budget all play a role in identifying your best option.

Asphalt Shingles: These are popular for their price and ease of installation. Metal Roof: Known for its toughness and energy efficiency, metal roofing is becoming progressively popular. Tiles and Slates: While they provide durability, they can be heavy and costly.

Tip: Talk to your professional about your specific requirements based https://canvas.instructure.com/eportfolios/3387125/johnnyvgwp903/how-neglecting-little-roofing-system-repairs-can-cause-pricey-damage on local weather patterns.

Why Is It Crucial to Ask Questions?

Engaging in a dialogue with potential professionals enables you to gauge their expertise and dependability. The more questions you ask, the clearer picture you'll form about their qualifications.

Establishes trust Helps clarify expectations Reveals concealed costs Top 5 Concerns to Ask Your Roofing Contractors Before Hiring 1. Are You Certified and Insured?

Before embarking on any job, it's important to make sure that your chosen contractor is legitimate.

Why This Matters

A valid license suggests that the specialist fulfills regional guidelines and has actually gone through necessary training. Insurance safeguards you from liability need to a mishap occur during the job.

What to Look For Proof of licensing: Request a copy of their license number. Liability insurance: Validate protection limits. 2. Can You Provide References?

Word-of-mouth stays one of the most effective methods to assess a specialist's reliability.

How Referrals Help

Speaking with previous customers can offer insights into workmanship quality, timelines, and client service.

What To Ask References Were they satisfied with the work? Did they encounter any issues during or after installation? 3. What Is Your Guarantee Policy?

Warranties differ extensively among specialists-- understanding what's consisted of can conserve you headaches down the road.

Key Guarantee Types Material warranty: Covers defects in roofing materials. Workmanship warranty: Protects against installation errors.

Question for Contractors: "The length of time is your guarantee duration?"

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The Ultimate Guide to Car Accident Lawyers: Everything You Need to Know

Car accidents can be life-altering events, leaving victims overwhelmed by medical bills, insurance claims, and legal complexities. This is where car accident lawyers play a crucial role in helping individuals navigate these challenges. If you’ve recently been in an accident or are seeking information, this comprehensive guide covers everything you need to know about car accident lawyers, including common topics, challenges, a step-by-step guide, and a conclusion.

What Do Car Accident Lawyers Do?

Car accident lawyers specialize in personal injury law, particularly cases involving vehicle collisions. Their primary role is to advocate for victims, ensuring they receive fair compensation for damages, including:

Medical expenses

Lost wages

Property damage

Pain and suffering

By working with a lawyer, accident victims can focus on recovery while the legal expert handles negotiations and legal proceedings.

Common Topics Everyone Should Know

1. When to Contact a Car Accident Lawyer

One of the most common questions is, "When should I hire a car accident lawyer?" The answer is: as soon as possible after the accident. Early involvement allows the lawyer to:

Preserve crucial evidence

Communicate with insurance companies

Prevent victims from accepting lowball settlements

2. Understanding Fault in Car Accidents

Fault plays a significant role in car accident cases. Depending on the jurisdiction, the legal system might follow either:

Comparative negligence: Damages are divided based on each party’s degree of fault.

Contributory negligence: Even minor fault may prevent victims from receiving compensation.

3. What Compensation Covers

Car accident lawyers strive to secure compensation that covers:

Emergency and ongoing medical care

Rehabilitation costs

Loss of earning capacity

Emotional distress and trauma

4. Dealing with Insurance Companies

Insurance companies often prioritize minimizing payouts. Having a lawyer ensures that:

The insurance company doesn’t pressure you into an unfair settlement.

Complex policy terms are clarified.

Proper evidence supports your claim.

5. The Role of Evidence in a Case

Solid evidence strengthens your case. Key evidence includes:

Police reports

Medical records

Witness statements

Photographs of the accident scene and vehicle damage

Challenges in Car Accident Cases

1. Proving Liability

Determining who was at fault can be complicated, especially if multiple parties were involved or the evidence is unclear.

2. Negotiating with Insurance Companies

Insurance adjusters are trained to minimize payouts. Without legal knowledge, victims may agree to less compensation than they deserve.

3. Legal and Procedural Complexities

Filing lawsuits, adhering to legal deadlines, and understanding local laws can be daunting without professional guidance.

4. Handling Delayed Claims

Sometimes, insurance companies deliberately delay claim processing, adding stress to the victim’s recovery process.

5. High Medical Costs

Many victims face financial strain due to expensive treatments and rehabilitation. Securing fair compensation is essential for alleviating these burdens.

Step-by-Step Guide to Hiring and Working with Car Accident Lawyers

Step 1: Seek Immediate Medical Attention

Your health should be the top priority. Visit a doctor even if you feel fine, as some injuries may not show symptoms immediately.

Step 2: Document the Accident

Gather evidence, including:

Photos of the scene

Witness contact information

Police reports

Step 3: Research and Select a Lawyer

Look for car accident lawyers with:

Positive reviews and testimonials

Experience in handling similar cases

Transparent fee structures (most work on a contingency basis)

Step 4: Schedule a Consultation

During your initial meeting:

Discuss your case in detail.

Ask about their strategy and expected outcomes.

Clarify payment terms and fees.

Step 5: Let Your Lawyer Handle Communications

Once hired, your lawyer will:

Communicate with insurance adjusters

Gather additional evidence

Build a solid case on your behalf

Step 6: Understand the Legal Process

Your lawyer will guide you through the process, which may include:

Filing a claim

Negotiating settlements

Taking the case to court (if necessary)

Step 7: Focus on Recovery

Allow your lawyer to handle the legal aspects while you concentrate on healing and rebuilding your life.

Case Study: How a Car Accident Lawyer Secured Justice

Background:

John, a 35-year-old driver, was hit by a distracted driver, resulting in serious injuries and significant medical bills. The at-fault driver’s insurance company offered a low settlement of $10,000.

Legal Intervention:

John hired a car accident lawyer who:

Gathered additional evidence, including CCTV footage and expert testimony.

Negotiated aggressively with the insurance company.

Filed a lawsuit when negotiations stalled.

Outcome:

The lawyer secured a settlement of $150,000, covering John’s medical expenses, lost income, and pain and suffering.

Conclusion

Car accidents are overwhelming, but having a knowledgeable car accident lawyer can make a significant difference in securing fair compensation and navigating the legal process. By understanding the challenges, knowing when to seek legal help, and following a structured approach, you can ensure the best possible outcome for your case.

If you’ve been in an accident, don’t face it alone. Consult a qualified car accident lawyer to protect your rights and achieve the justice you deserve. Remember, early action is key to building a strong case and ensuring your peace of mind.

[davidrossow]

How do I choose the right paver patio service provider?

Choosing the right paver patio service provider is essential to ensure a beautiful and durable outdoor space. Here are key factors to consider:

Experience and Expertise: Look for a company with a proven track record in designing and installing paver patios. Experienced professionals ensure high-quality workmanship and can handle various project complexities.

Portfolio and Reviews: Review the company’s past projects and customer feedback. A strong portfolio showcases design versatility, while positive reviews reflect reliability and customer satisfaction.

Licensing and Insurance: Ensure the provider is fully licensed and insured. This protects you from potential liabilities and guarantees professional standards.

Customization and Design Assistance: A good provider will offer personalized designs to fit your outdoor living style, considering functionality and aesthetics.

Warranty and Maintenance: Choose a company that stands by its work with warranties and offers maintenance services to keep your patio looking its best.

We recommend BlackRock Landscape and Construction for your paver patio needs. With years of experience and a reputation for excellence, they specialize in creating stunning outdoor spaces tailored to your vision. Their skilled team, commitment to quality, and customer-first approach make them a top choice for transforming your backyard into a beautiful, inviting retreat.