The Ridgewood Blog Brings a Free Market Laissez-faire Point of View to Local, New Jersey State and National Issues.
As a business owner, the thought of insurance policies can be somewhat daunting as there are so many options out there. So how do you know you are choosing the right ones?
Every business has different needs, so to make the insurance process a little less overwhelming, this article will break down four of the most popular types of insurance and what they typically include.
Continue reading Getting To Grips With Business Insurance In 2022
A home warranty is a type of insurance that covers the cost of repairing or replacing major appliances, systems, and even your roof. Home warranties are often bundled with loans for homes, so it’s important to know what exactly you are getting into before you sign on the dotted line. This article will provide an overview of what a home warranty covers and if it’s worth it for you.
Continue reading A Closer Look At What A Home Warranty Covers And If It’s Worth It
If you are interested in purchasing real estate as an investment and creating a second source of income, renting it out and becoming a landlord is a great way to do that. There are many advantages to becoming a landlord, and it can be a great way to make a large amount of money. It can also become a hassle quickly if you do not take steps to protect yourself. Many things can go wrong for you as a landlord, but there are ways to protect yourself if you take the right steps. It does not take much for a great situation to go wrong, and the next thing you know, you are being sued by your tenant. Follow these three steps, and you should be able to avoid litigation.
Continue reading 3 Steps landlords can take to prevent litigation
Whether you have been planning to step into insurance sales for a long time or only just considering a career switch, becoming an insurance agent is a great choice. Moving into sales can provide you with a rewarding job and a good salary. When considering getting into insurance as a career, there are a few key steps to follow, and this article will lay them all out for you. We have spoken to agents and industry professionals to put together this helpful guide regarding the career of an insurance agent and what you need to do to get there.
Continue reading A Helpful Guide to Becoming an Insurance Agent
A fleet manager or transportation manager is a key person within a business that has vehicles. They must ensure the safety of all vehicles, organize logistics, deal with finance, manage drivers, and more. This could be within a vehicle rental business, a taxi firm, or any company which transports people or cargo. It is a multi-faceted business role and requires plenty of organization, patience, and attention to detail. If you are working as a fleet manager or thinking of taking this role, you may be wondering how you can do it most effectively and productively. If you are working as a fleet manager or thinking of taking this role, you may be wondering how you can do it most effectively and productively using field service management software. We have compiled some tips, tricks, and solutions to help increase productivity, as well as make this complicated job that little bit easier. Sound like something you need to read? Well, read on to find out more.
Continue reading Fleet Manager Guide: The Essential Solutions That Will Increase Productivity
Yes, you have the right to seek compensation for your medical expenses, pain, and suffering arising from a shower scalding injury due to the negligence of your landlord. Negligence of landlord may come from a variety of causes, for example; a faulty water heater that leads to serious burns.
Continue reading Can I sue my landlord for a shower scalding injury?
It isn’t rare for people to know more about the details of their health or auto insurance plans rather than their homeowners policy. While it’s a complex domain, having accurate and complete knowledge of your coverage plan is always essential. Whenever you’ll be called upon to file a home insurance claim, knowing what is included in your policy—and what isn’t—will save you a lot of pain, along with endless procedures to receive compensation. So, in this article, we detail some of the most common instances of property damages typically taken care of by insurance providers. Remember that coverages vary based on the state of residence, homeowner profile, company policies, and more.
Continue reading What Kind of Damage Does a Home Insurance Usually Cover?
Owning and operating your own company or business involves a lot of different things to consider. One of those things is owning insurance to protect yourself and others around you from a variety of different financial risks and responsibilities. ‘It is not easy to know what types of insurance you need, as different companies need different coverages. Here are some insurances that your small business should consider.
Continue reading What Kind of Insurance Does Your Small Business Need?
Getting insurance is something you should be thinking of right when you have landed your first job or when you have settled down. Insurance will make sure that your financial well-being, assets, and health will be protected in the event of death, damage or loss. Before jumping into the decision of doing this milestone, Here are some things you need to know:
Continue reading Need Insurance? Here’s What You Need to Know First
If you’re thinking about purchasing home insurance you may have some very important questions to ask yourself. Among these questions is the desire to save money. Homeownership is expensive, and insurance can be one of the reasons for that. Before picking one that is right for you– It’s essential to have a reliable insurance company that can offer you complete coverage when it comes to incidents like this. Some of them even provide their customers with a bundle home and auto insurance, which not only can save money but can also make your insurance more simple and straightforward by having everything in one place.
Continue reading How to Save Money When Purchasing Home Insurance?
Blog Editors Note : try increasing taxes, insurance and education costs , coupled with decline of the two parent household , decline of work ethic, and regulating small business out of existence
By John Aidan Byrne
December 27, 2015 | 2:34am
Downward mobility is catching on fast with America’s new economic underdogs — the emerging middle-class minority.
The ranks of the American middle class have sunk to a shocking new low.
After four decades as an economic majority, middle-class Americans are no longer in that admirable place. They’re down to 49.9 percent from 61 percent of the population in 1971, with the ranks of the poor and ultrarich growing to a majority in the US.
“The fabric of income distribution is stretching thin,” Rakesh Kochhar, lead author of the recent Pew Research Center study “The American Middle Class Is Losing Ground,” told The Post.
“There’s been a hollowing out in the middle, a bulking up on the edges. The gaps are at record highs,” Kochhar said, adding that the wealth of upper-income families is now about seven times that of the middle class, compared with three times about 30 years ago.
Meanwhile, the middle-class share of US household income has plunged from 62 percent in 1970 to 43 percent today.
And for lower-income families looking to move up to middle-class status, that accomplishment is getting harder to pull off, according to new analysis.
Analysts offer no single explanation for the decline of America’s middle class.
Years of wage stagnation, the decline of unions, a skills gap, economic malaise, taxation, debt and policymaking are often cited, as is technological efficiency in a more globalized economy that rewards outsourcing. Some analysts say the Fed’s trillions of dollars in quantitative easing ended up disproportionately in the hands and wallets of bankers and other upper-middle-class Americans.
OECD Fears Middle Class Civil Unrest Is Coming
by Tyler Durden on 07/18/2014 14:49 -0400
This idea that we live in a world where government cares about us is just the biggest propaganda ever. Everyone one will only pursue their own self-interest.The OECD has interesting come out and warned that if governments are unable to stop the transfer of wealth to a small financial elite, the displeasure of the dispossessed middle class could easily turn and go against the prevailing governmental systems. The OECD has claimed to have discovered the existence of a veritable “lumpenproletariat” in the supposedly rich Germany. Even though the systems attempt to provide citizens with bread and circuses in the traditional Roman style to keep them quiet, such tactics they warn may have now become obsolete after the ultimate circus is over – the World Cup.
The problem with all of these studies is the look at class warfare and not at the consumption of government. They do not follow the breadcrumbs. What if you take everything from the elites? Who will start businesses to create jobs? Who will be left to take as government pensions keep ticking away. In Germany, it has now surpassed 50% of the average persons labor goes to taxes.
There are a host of books coming out all about just taxing the rich more ignoring reducing the cost of government. The German bestseller “The plunder of the world” presents just another socialist agenda arguing that the rich get richer even in times of crisis, while the consequences of a crisis are always carried by the lower-income groups and the middle class. It fails to explain that the rich get richer from investment, not wage income. This is an argument to effective tax investment substantially to even out the disparity? But who then creates the jobs that produce anything? Is it that those who invest unfairly make money when the others pay too much in taxes and do not invest? Anyone who thinks that these books are real must be insane. If you think for one second raising the taxes on the rich will mean your taxes will decline – good luck. In Germany, Tax Freedom Day has passed the 50% and even in Canada it is now June 9, 2014. In the United States it is April 21st for 2014.
https://www.zerohedge.com/news/2014-07-18/oecd-fears-middle-class-civil-unrest-coming
Some Bay Area Residents Refuse To Sign Up For Insurance, Will Pay Penalty
April 1, 2014 12:02 AM
SAN JOSE (KPIX 5) – Despite an extended deadline tosign up for health care under Covered California, some in the Bay Area are choosing to pay a penalty instead of insurance because of the cost.
Brian Roi has worked as a bartender without insurance for the last two years. He chose not to sign up for health coverage because at the end of the night, he said the math does not add up.
“It doesn’t work for me.” Roi told KPIX 5. “I went to college. I have to pay all these student loans still I’m paying those. I’m paying credit card bills that incurred when I went to college.”
