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Can You Refinance A Hard Money Loan . receive your money — usually within a few days — and can use it for anything you’d like. Then, you’ll just need to get to work on paying the loan back ASAP. As you can see, applying for a.
Cash-Out Refinance Rate Quotes. Compare cash-out refinance rates from more than 15 lenders and get a personalized quote in minutes. Use Nerdwallet’s cash-out refi rate tool to take the pain out of.
Did you know a Cash Out home equity loan can? A cash-out refinance will allow you to tap into your home equity to fund everything from home repairs to eliminating high-interest debt. benefits of a cash-out refinance can include: Pay off High Interest Debt; Historically Low interest rates; upgrade Your Home
Cash Out Investment Property Cash Out Refinance Limits VA Loan Cash Out Limits – valoanlending.com – VA Refinance Cash Out Limits. The VA Loan is the best possible loan product for Cash Out, when exceeding 80% of the value of the home. VA allows the veteran to use the equity up to 100% of the value of the home. A VA refinance isn’t just used to get cash out. It is a great solution for veterans to eliminate mortgage insurance.· Home » Blog » How To refinance commercial investment properties.. The higher and more stable the NOI is, the higher the property value, and the easier it will be to refinance the property or pull cash out. If the NOI has gone down or is too low, lenders will view your property unfavorably and will be much less likely to lend money for what.
A home equity loan is a financial product that allows you to borrow against the value of your home. You’re able to receive in cash a portion of your home’s equity, or the difference between the amount owed on your mortgage and your home’s market value.
What is a home-renovation loan? It can help you turn a fixer-upper into your dream home without going into credit-card debt.
A cash out refinance allows you to get cash from your home’s equity. Whether you have a major project or need to make a big purchase, a cash out refinance may work for you. When would you want to take cash out? Pay for home improvements. If you are planning a renovation, refinancing your home with cash out is an option for funding your project.
A home equity line of credit (HELOC), is a credit-line secured by your home whereas a cash-out refinance is an entirely new first mortgage with cash back. Most HELOCs have an adjustable interest rate, whereas the ability to lock in a low fixed rate is an advantage of a cash-out refinance.
What Is Refinance Cash Out Best Cash Out Refinance Rates A cash-out refinance allows a homeowner to tap into their home equity by borrowing more than what they owe and is a common choice. Of the 483,000 refinances in the fourth quarter of 2018, some 82.Lending guidelines were recently loosened on cash out refinance transactions. If you’re looking to refinance and pull out funds for home improvement, or another project, here’s what you should know if.
Comparing a home equity loan vs. a cash out refinance, a home equity loan rate will typically be higher because it’s a second mortgage, whereas a cash out refinance is a first mortgage. home equity loans are typically fixed for 20 or 30 years, and they qualify you with their fully amortized payment.
With a cash-out refinance you would remortgage your home for $160,000, and at closing you would receive a lump sum payout of $60,000. Unlike a second mortgage or a home equity line of credit, this is cash money in your hand, payable when your new mortgage is approved and finalized.
Cash Out Refinance To Buy Another Property Home Equity Loans or Cash Out Refinance (known as TX a6 mortgages) in Texas are quite different that in other states. If you’re looking to refinance and take cash out (known as a Home Equity loan), then you’ll want to understand some of the features that make texas cashout loans unique.


What GNOME Can Learn from KDE's Recovery
When users complain about GNOME 3, inevitably they compare its release to KDE 4.0's. One KDE developer has told me that he dislikes the comparison, but, in the absence of other parallels, it continues to be made.
However, one part of the analogy that hasn't been explored is KDE's recovery from its user revolt, and whether GNOME is in any position to emulate that as well.
KDE's recovery has not received much notice. It hasn't been covered by the free software media. Often, too, it is overshadowed by those still loyal to the KDE 3 series, who continue to express their dissatisfaction at every opportunity.
All the same, KDE's recovery is as remarkable in its way as the meltdown over the 4.0 release. So is there any chance that GNOME could make a similar recovery?


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Bracelet Memory Wire
- Brand: Beadalon
The perfect wire can take your jewelry creation from drab to fab. Create stylish custom jewelry with this Bracelet Memory Wire! Featuring a lovely antique finish, this round wire is perfect for beads, pendants, charms and more.
- Size: 0.65mm
- Metal Color: Antique Brass
Package contains 0.5 ounces of memory wire.
Item not available in Hobby Lobby Stores.
Check your local store for availability.

domain: design


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Note: Sample below may appear distorted but all corresponding word document files contain proper formattingExcerpt from Research Paper:
world's economy continues to struggle it has become fashionable in some political circles to advocate the adoption of a type of tax described as a carbon tax as a method of minimizing spiraling government costs. Use of the word, "carbon," is somewhat misleading. The broad meaning of the carbon tax term is to define a tax that is designed to not only raise revenue but also change the behavior of a society's consumers (Baumol, 1972). The theory is to raise the cost of a good or service through the imposition of a carbon tax in an effort to offset the negative effects that the good and service causes. The most obvious example is the use of a carbon tax to fight the effects of pollution. The manufacturer who builds its plant next to a river and proceeds to dump its polluting by-products into said river would ordinarily not suffer any additional costs for its polluting activity. Carbon tax advocates, however, would impose a tax on the manufacturer in an attempt to offset these polluting effects.
The Government of Australia has taken the carbon tax idea a step further and actually decided to impose a real carbon tax on polluters that emit carbon into the atmosphere (Packham, 2011). The theory behind this new carbon tax is the same as the traditional one but the Australian Government has decided to impose it against the actual use of carbon. Initially, the Government will tax those who release tax into the atmosphere on a per ton basis with the intent of eventually allowing the market place to determine how the costs will be distributed (Australian Energy Exchange). The goal is to have the manufacturers who cause the pollution to bear the costs of cleaning up the environment from such polluting on a proportional basis.
II. Arguments for Carbon Tax
Carbon is one of the most prevalent and dangerous by-products of the manufacturing process (Union of Concerned Scientists, 2010). Ordinarily, the cost of purchasing manufactured goods does not fully incorporate the collateral environmental costs that are involved in the manufacturing process. The costs that are involved include the mining of the iron ore, the electricity used to operate the factory, and the trucks used to transport the goods to market. Each of these steps involves the release of carbon and other pollutants into the atmosphere that is only partially reflected in the cost of the product. The residual costs have been partially ignored and absorbed largely by society in general. The intent of the new Australian carbon tax is to change this scenario. Carbon pollution has become an increasingly more serious problem and the Australian Government has determined that taxing the goods that are more polluting should be taxed at higher level so as to pass on the polluting costs (Goodall, 2008).
The long-term hope is that the imposition of these taxes on carbon intensive goods or manufacturers will cause a shift in the market place toward consumers beginning to purchase goods that are less carbon intensive (Metcalf, 2009). In theory, these goods should be less expensive and, based on traditional economic theory, the manufacturers using carbon intensive methods should begin changing over their manufacturing process to less polluting methods in an effort to remain competitive in the market.
This move by the Australian Government is, arguably, an enlightened move toward demonstrating environmental leadership. Critics have argued that the enactment of this tax will significantly damage the Australian economy but proponents argue that the costs of carbon pollution on the environment will eventually have to be dealt with and that doing so sooner as opposed to later inures to the benefit of everyone.
III. Economic Impact
The carbon tax will impact on the big polluters most heavily but it can be expected that these costs will be passed onto the consumer. This is traditionally how manufacturers recoup their costs and there is no reason to suspect that this will not be done relative to the carbon tax as well. The Australian Government, however, recognizing the impact that the tax may have on the ordinary citizen, has enacted several provisions to help offset these higher prices by raising the tax free threshold (Onselen, 2011). Plus, in the spirit of the traditional style carbon tax, the Government is optimistic that the imposition of the tax may ultimately manipulate the market so that consumers begin making more environmentally sensitive choices.
One of the more popular arguments used against the enactment of the carbon tax was its potential to have an inflationary effect on the Australian economy (Sydney Morning Herald, 2011). Proponents of this argument point out that adding this tax would cause a substantial rise in the price of manufactured goods and that such rise, without a corresponding rise in income, would be inflationary. The Australian Government, however, argues that this rise in costs will be offset by the changes in the tax law. The Australian Government also argues that the overall effect on most Australian citizens will be minimal. Most prices, they argue, such as food will go unchanged (Herald Sun, 2011).
IV. Impact on Tourism
Tourism is an important element of the Australian economy and there is considerable concern that the carbon tax will have a negative impact on this industry (Australian Bureau of Statistics, 2007). Although travel to Australia enjoys widespread popularity, getting to Australia from the areas that participate most heavily in tourism is not always easy. Australia is largely isolated from the rest of the world and getting there requires either a long plane flight or ocean voyage. Needless to say, either transportation choice requires the use of carbon fuels which translates into the imposition of high carbon taxes (Daily Mail, 2011). Ergo, plane tickets and boarding passes involving travel to Australia suddenly become more expensive. In the travel industry where the profit margins are minimal, such increases can be disastrous.
One of the critics of the proposed carbon tax is Daniel Gschwind, CEO of the Queensland Tourism Industry Council, who is reported to have said in relation to the proposed tax: "An industry like ours relies on the international market, and we are becoming even less competitive. Our products and services are going to become more expensive (Jabour, 2011).
Joining the argument against the carbon tax is the Australian Tourism Export Council (ATEC). The ATEC has published their position that the enactment of a carbon tax will result in the closing of thousands of tourism related businesses and that such closings will cause the loss of tens of thousands of jobs. The managing director of the ATEC argues that the tourism industry is already operating at a marginal level and any further increase in tourism costs could be the final blow to many tourism businesses (Rodriquez, Australian carbon tax threatens closure of thousands of businesses, 2011). Representatives of the Australian Government counter these arguments by pointing out that tourism representatives are misleading consumers with their alarmist claims and that the Government's plan has provisions that will protect the financial interests of the consuming public (AAP, 2011).
With any new tax it can expected that there will be strong arguments made by both sides of the issue relative to the pros and cons of the tax. This is particularly true in situations involving new taxes that have such far reaching effects. The carbon tax that is being proposed by an Australian Government that is barely holding on to power has stimulated a great deal of discussion. The move by the Government is admirable in theory but may be poorly timed in relation to the present state of the overall Australian economy, in general, and the state of the tourism business, in particular. Few would deny that carbon levels must be lowered for the long-term benefit of Australia and the…[continue]
"World's Economy Continues To Struggle It Has" (2011, September 21) Retrieved October 21, 2016, from http://www.paperdue.com/essay/world-economy-continues-to-truggle-it-has-52142
"World's Economy Continues To Struggle It Has" 21 September 2011. Web.21 October. 2016. <http://www.paperdue.com/essay/world-economy-continues-to-truggle-it-has-52142>
"World's Economy Continues To Struggle It Has", 21 September 2011, Accessed.21 October. 2016, http://www.paperdue.com/essay/world-economy-continues-to-truggle-it-has-52142
World Trade issues are an important issue to the plight of Africa as well. Providing a more level playing field for Africa to get into the game will set the wheels in motion for improvement and allow Africa to begin reaping some of the benefits of the world trade agreements. That money can be funneled back into the development of the continent thereby reducing the need for outside funding. Debt cancellation
1 260000 2009 93.7 275000 2010 89.6 290000 2011 91 310000 2012 88 327000 2013 Israel Government Spending Consumer Goods Year 35.1 96000 2009 35.4 103000 2010 44.8 109000 2011 41 111000 2012 39.3 114000 2013 Question 2C With so much conflict continuing around the world, one can assume that government spending may begin to increase. From that perspective, they can then also be assumed that nonresidential fixed investment may also continue to go down. This is based on the qualitative relationship the two variables have with one another. Question 3A & B The last two quarters saw a decrease in nonresidential fixed investments. In fact, the
Women and water in India. In the villages of North Gujarat in India, so much groundwater has been removed that water supplies are now becoming scarce, according to Bhawana Upadhyay, writing in the journal Agriculture and Human Values. Women in North Gujarat are basically looked upon as "…domestic water users while men are seen as productive water users, despite the fact that women make significant use of water for productive
Models of Media and Politics A review of media / political models sheds some light on why the United States' cultural themes have been such a dominant dynamic in Europe, among other global venues. In describing the three models of media and politics, Daniel C. Hallin and Paolo Mancini report that the media in Southern Europe (the "Mediterranean" or "Polarized Pluralist Model") is "an institution of the political and literary worlds"
AB InBEV is the world's largest maker of alcoholic beverages and they have other interests (such as bottling for other beverage makers) which increases their overall revenues. Because the company has a business plan which includes operational efficiency, a strong financial matrix, well-trained and knowledgeable employees and a customer-first focus, they have been able to maintain and even gain market share during difficult economic times. With unique strategic capabilities that
Qantas Airlines Qantas is the world's second oldest airline. Founded in the Queensland outback in 1920, it is Australia's largest domestic and international airline and is recognized as one of the world's leading long distance carriers, having pioneered services from Australia to North America and Europe. The Qantas Groups today employs approximately 32,500 people and offers services across a network spanning 182 destination sin 44 countries (including those covered by codeshare
Toyota is one of the world's leading automakers. For most of its existence, the company has been unassailable, but this past year has presented the company with a number of challenges. These include plant shutdowns caused by parts shortages as a result of the Japanese tsunami, Japanese consumer spending falling again because of the tsunami, competitive challenges and product quality issues that lead to recalls. As one of the world's leading

domain: finance


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Cruise bartender sentenced to prison for sexually assaulting girl, 14, on vacation
Victim and her family were aboard Carnival's Freedom, which left Fort Lauderdale in April 2009.
A cruise ship bartender charged with having sex with a 14-year-old girl who was vacationing with her parents was sentenced to just over three years in federal prison Thursday.
Hery Krispiyanto, 30, was sentenced in Orlando federal court for the one count of sexual abuse of a minor he pleaded guilty to in June.
In addition to the prison time, Krispiyanto was ordered to pay about $4,360 in restitution.
Court records said the teenager, identified as "T.W.," was aboard the Carnival Freedom, which left from the Port of Fort Lauderdale in April 2009.
While on the cruise, T.W. and her parents became acquainted with Krispiyanto.
T.W. told investigators she was alone on the upper deck of the ship one night when Krispiyanto walked up behind her, grabbed her arm and pulled her into a nearby employee-only room and closed the door, court records said.
Krispiyanto had sex with the girl, and then told her to leave, his plea agreement said.
T.W. reported the incident to her mother in August, and it was then reported to the FBI. He was indicted in Orlando federal court in May.

domain: sociology


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DIGITAL TECHNOLOGY SOLUTIONS
PNEUMATIC SPORTS BALLS
SOLID CORE SPORTS BALLS
Green fields dst takes a bite out of THE BIG APPLE!
Green Fields DST introduced a taste of their new technology The Dynamic Sliotar during the penalties for the finals of the New York Hurling Classics at Citi Field NY on Saturday 16th of November.
Every Penalty that was struck by finalists Kilkenny and Limerick, the smart new technology measured speed and force of the sliotar on the big screen. Kilkenny won the champions cup with a convincing a 24 point win.

domain: news


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Father Knows Best: Theological “Mansplaining” and the Ecclesial War on Women
The ecclesial war on women religious and theologians reveals a dynamic of mansplaining, where male religious elites, threatened by the encroachment of women speaking with authority, react with hermeneutical violence toward those women. This hermeneutical violence, exemplified in the investigation of Elizabeth Johnson, follows Rebecca Solnit's pattern of male-explicative violence rooted in what she calls the “archipelago of arrogance” or, in Catholic terms, the relative isolation of the Catholic clergy from Catholic higher education. The hermeneutical violence is further supported by the Balthasarian theological framework embraced by John Paul II and Benedict XVI, which affirms the church (and thus everyone except the hierarchy) as essentially feminine and therefore primarily receptive of theological knowledge, not productive of it.
Back to Volume 31, Number 2

domain: library


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FTA Announces New Dates for Fall Conference 2022
Save the date for FTA’s Fall Conference 2022, which takes place Oct. 11-13 in Covington, KY, just over the river from Cincinnati, OH. The event will explore the theme “The Future Is Here” with insightful flexographic industry professionals addressing timely topics in eight technical sessions. The dates were recently moved by one week to avoid conflicts on a busy fall calendar.
At the heart of the three-day technical conference will be a groundbreaking print project. Presenters will share what they learned from the project along the way, and each attendee will receive print samples to examine and follow along. On the final day, a pair of ask the experts-type sessions will take place at both basic and advanced levels that will be informative to all attendees.
“Fall Conference 2022 will show attendees new ways of managing the flexographic printing process with the right methodology to improve color accuracy and consistency, while also simplifying communication between all parties involved in the process—from designers to press operators to brand owners,” said Fall Conference 2022 Program Chair PJ Fronczkiewicz of XSYS Global. “My biggest hope is that attendees of the conference leave with the feeling that they truly learned something new, and that they have fresh insight into something that can help them, their business, and their customers.”
INFOFLEX at Fall Conference will return in 2022 after an extremely successful expansion in 2021. The exhibition attracted more exhibitors and a 50 percent growth in printer/converter attendees. INFOFLEX at Fall Conference 2022 will once again have expanded show hours, full-size exhibitor booths and an enlarged show floor, catering to the demand for more opportunities to network and see the latest developments in flexography. Reserve your booth early by contacting Jay Kaible at 631-737-6020, ext. 120 or firstname.lastname@example.org.
The preceding press release was provided by a company unaffiliated with Packaging Impressions. The views expressed within do not directly reflect the thoughts or opinions of Packaging Impressions.


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March 6, 2018: political consultant Sam Nunberg has been all over the news this week related to the Mueller investigation--here's an update on Sam Nunberg, former (twice fired!) employee of Donald Trump and accolyte of political operative Roger Stone who considers politics to be "performance art" (which is what I've been blogging for over 12 years now--political theater, dahlink!). Mr. Nunberg now says he will indeed respond to the Mueller subpoena after asserting yesterday that he would not because it might imperil his mentor, Roger Stone.
Without a birth time or a confirmed location of his birth (I suspect New York City so I'm using it to set the chart), here's a speculative 'noon' horoscope for Sam (Samuel?) Nunberg, member of the New York state bar, and man born with thinking-communicating Mercury Rx melded to his natal Sun (self-absorb much?) which is probably @00Cancer+ but if born prior to 7:54 am edt, may be in the last degree of chatty Gemini; Moon is in Aquarius (10:13--23:04). Either way, Sun and Mercury conjoin one of the Cardinal World Points of Manifestation so it seems that world fame is one of Mr. Nunberg's objectives in life.
Please enlarge the image if you wish to read the few notes penned on:
Blog Note: the idea to post a version of the Nunberg natal chart was inspired by Leo Moon.

domain: politics


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3D Radar System - Ralston, Alberta (W7702-196175/A)
- Publishing status
- Publication date
- Amendment date
- Date closing
- 2019/01/28 14:00 Mountain Standard Time (MST)
- Reference number
- Solicitation number
- Region of delivery
- Notice type
- Notice of Proposed Procurement (NPP)
- Trade agreement
- Canada-Colombia Free Trade Agreement
- Canada-Peru Free Trade Agreement (CPFTA)
- North American Free Trade Agreement (NAFTA)
- Canada-Panama Free Trade Agreement
- Canada-Korea Free Trade Agreement (CKFTA)
- Canadian Free Trade Agreement (CFTA)
- Tendering procedure
- All interested suppliers may submit a bid
- Competitive procurement strategy
- Best Overall Proposal
- Procurement entity
- Public Works and Government Services Canada
- End user entity
- Department of National Defence
- Contact name
- Tiet, Anthony
- Contact email
- Contact phone
- (587) 926-1376 ( )
- Contact fax
- (780) 497-3510
- Contact address
ATB Place North Tower 10025 Jasper Ave./10025 ave Jasper 5th floor/5e étage Edmonton Alberta T5J 1S6
Find Out Who Is Interested In This Tender
Are you looking for partnering opportunities or thinking about bidding? Find out who is interested in the tender and add your name to the List of Interested Suppliers.
Access the List of Interested Suppliers for this tender
The following statistics are only for the English page and are provided in close to real time. To calculate the total activity for a tender notice, you will need to add the English and French statistics.
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Trade Agreement: NAFTA / CFTA / FTAs with Peru / Colombia / Panama / Korea Tendering Procedures: All interested suppliers may submit a bid Competitive Procurement Strategy: Best Overall Proposal Comprehensive Land Claim Agreement: No Nature of Requirements: 3D Radar System - Ralston, Alberta W7702-196175/A Tiet, Anthony Telephone: 587-926-1376 Facsimile: 780-497-3510 E-mail address: email@example.com The Department of Defence Research and Development Canada, Suffield Research Centre (DRDC-SRC) has a requirement to conduct a series of trials to examine the efficacy of several Counter Unmanned Aerial Systems (C-UASs). To establish a ground truth independent of any examined C-UAS, a man-portable directional radar system is required to be able to identify Unmanned Aerial Systems (UAS) flying as a red team against the given CUAS. Further, this radar system should be able to locate the UAS on a map, specify its velocity/altitude/heading, and allow its raw data for export. Bidders may request a debriefing on the results of the bid solicitation process. Bidders should make the request to the Contracting Authority within 15 working days from receipt of the results of the bid solicitation process. The debriefing may be in writing, by telephone or in person. The requirement is subject to the provisions of the North American Free Trade Agreement (NAFTA), and the Canadian Free Trade Agreement (CFTA). IMPORTANT: This tender is part of Public Works and Government Services Canadas initiative to submit bid submission files electronically using epost Connect. Interested bidders should refer to Part 2 of the solicitation document entitled Instructions to bidders/offerors/suppliers, as the case may be, for instructions on how to participate and submit their files electronically for this tender. Complete requirements are detailed in the Request for Proposal document. Delivery Date: Above-mentioned The Crown retains the right to negotiate with suppliers on any procurement. Documents may be submitted in either official language of Canada.
Government of Canada (GC) tender notices and awards, solicitation documents and tender attachments are available free of charge and without registration on Buyandsell.gc.ca/tenders, the authoritative location for GC tenders.
You may have received this tender notice or award through a third-party distributor. The Government of Canada is not responsible for any tender notices and/or related documents and attachments not accessed directly through Buyandsell.gc.ca/tenders.
This Government of Canada tender notice or tender award carries an Open Government Licence - Canada that governs its use. Related solicitation documents and/or tender attachments are copyright protected. Please refer to the section about Commercial Reproduction in the Buyandsell.gc.ca Terms and Conditions for more information.

domain: geography


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Author: Site Editor Publish Time: 2022-02-28 Origin: Site
Lactic acid is an organic acid. It has a molecular formula CH3CH(OH)CO2H. It is white in solid state and it is miscible with water.While in liquid state (dissolved state) it is a colorless solution. Production includes both artificial synthesis as well as natural sources. Lactic acid is an alpha-hydroxy acid (AHA) due to the presence of carboxyl group adjacent to the hydroxyl group. It is used as a synthetic intermediate in many organic synthesis industries and in various biochemical industries. The conjugate base of lactic acid is called lactate.
Lactic acid with a chiral carbon atom has two optical isomers, L (+) - lactic acid and D (-) - lactic acid, and the mixture is DL - lactic acid. Only L-lactic acid can be metabolized in human body because only L-lactic acid enzyme exits in animal body.
Lactic acid is an important organic acid, wildly used in fields of Food, beverage, medicine, plastic, feed, pesticides, packaging materials, daily chemicals, cosmetics, paper and electronic industry.
Lactic acid is found primarily in sour milk products, such as koumiss, laban, yogurt, kefir, and some cottage cheeses. The casein in fermented milk is coagulated (curdled) by lactic acid. Lactic acid is also responsible for the sour flavor of sourdoughbread.
In lists of nutritional information lactic acid might be included under the term "carbohydrate" (or "carbohydrate by difference") because this often includes everything other than water, protein, fat, ash, and ethanol. If this is the case then the calculated food energy may use the standard 4 kilocalories (17 kJ) per gram that is often used for all carbohydrates. But in some cases lactic acid is ignored in the calculation.The energy density of lactic acid is 362 kilocalories (1,510 kJ) per 100 g.
Some beers (sour beer) purposely contain lactic acid, one such being Belgian Lambics. Most commonly, this is produced naturally by various strains of bacteria. These bacteria ferment sugars into acids, unlike the yeast that ferment sugar into ethanol. After cooling the wort, yeast and bacteria are allowed to “fall” into the open fermenters. Brewers of more common beer styles would ensure that no such bacteria are allowed to enter the fermenter. Other sour styles of beer include Berliner weisse, Flanders red and American wild ale.
In winemaking, a bacterial process, natural or controlled, is often used to convert the naturally present malic acid to lactic acid, to reduce the sharpness and for other flavor-related reasons. This malolactic fermentation is undertaken by lactic acid bacteria.
Lactic acid is also employed in pharmaceutical technology to produce water-soluble lactates from otherwise-insoluble active ingredients. It finds further use in topical preparations and cosmetics to adjust acidity and for its disinfectant and keratolyticproperties.

domain: chemistry


Glee + Grease? Yes, please!
First things first, I realize Glee took on Michael Jackson songs and that not everyone in the world is thrilled about it, but I look at it like this: It’s a tribute episode. The show utilized its talented cast and gave a handful of MJ’s classics a go. It’s completely ballsy on the show’s part, but I respect it.
Check out a full performance video from Glee’s tribute to Michael Jackson!
Last week’s episode of Glee, “Hold On To Sixteen,” featured seven tracks, which included the return of both Chord Overstreet (Sam) and The Glee Project’s Lindsay Pearce (Harmony).
Let’s be real. Overstreet’s returning song on Glee should have been Justin Timberlake’s “SexyBack.” Am I right? I’m kidding … kind of. Of all the songs for Overstreet to sing upon his return to the show, Toby Keith’s “Red Solo Cup” was not an option that I was anticipating. But with Glee, as always, expect the unexpected. Unfortunately, this track really felt out of place amongst the rest of the episode’s songs.
I thought that Pearce did an amazing job on “Buenos Aires” from Evita. Man, this girl can sing. She exudes so much energy and personality when she sings, you can’t help to be drawn in. I know she was originally only allotted two episodes per The Glee Project, but from what we’ve gotten to hear from her this season, it would behoove them to figure out how to keep her character relevant. I can’t possibly be the only person that wants to hear Pearce on more than the two fantastic tracks she’s contributed to this season.
Among my favorite moments in each season of Glee have been the episodes that highlight song mash-ups. This season’s mash-ups for the most part lived up to their predecessors and one particular track stood out as probably the best mash-up Glee has ever done.
In an episode chock full of medleys, Mark Salling’s (Puck) take on Van Halen’s “Hot For Teacher” was the only solo track. I don’t think Salling gets enough credit for his vocal versatility. He showed a more vulnerable side of his voice earlier this season on a Foreigner track and, this week, we got to hear more depth and fullness in his singing. I think this was one of the better vocal performances we’ve gotten from him, actually. Cory Monteith (Finn) could also be heard on the track, and his voice pairs nicely with Salling’s.
On to the mash-ups, Idina Menzel (Shelby) and Matthew Morrison (Will) sang a medley Lady Gaga’s “You And I” and the Eddie Rabbitt/Crystal Gayle duet “You And I.” On paper, one wouldn’t think this could work, but surprisingly it does. I’m not sure that I’m quite sold on the pairing of Menzel and Morrison as duet partners, however. That said, I liked that Menzel had the bulk of the mash-up, because she really redeemed herself from season one’s recording of Gaga’s “Poker Face,” of which I was never a huge fan. Overall, I found the double dose of “You And I” to be a success.
Glee returns this week with its latest episode, “Pot O’ Gold.” The episode features five tracks, two of which are sung by one of the winners of The Glee Project, Damian McGinty, who is making his official debut on Glee as Rory Flanagan.
Naya Rivera (Santana) and Amber Riley (Mercedes) take on Christina Aguilera’s hit “Candyman” this week. It’s definitely a song that allows Rivera and Riley to showcase their vocals, being that they both have big voices with great range. I love this song because it’s so fun and bubbly, but when it comes down to it I would rather listen to Aguilera’s original. I don’t feel like either Glee singer brings anything new to it to distinguish it from the original. And let’s be real: no one can hit that last big note like Aguilera can.
Just when I had finally gotten Katy Perry’s “Last Friday Night (T.G.I.F.)” out of my head, Darren Criss (Blaine) manages to drill it back into my brain. Glee really doesn’t divert from the original track, but having a guy take on the lead vocal breathes new life into the song. Criss is an excellent choice to take the reins on this one, because not only does he have the most pop voice out of all the guys in the cast; he’s got a great track record of turning Perry’s songs into Glee hits. His cover of “Teenage Dream” went on to be Glee’s biggest-selling song last season. I can only imagine how long it will take for this latest track to become the show’s next big top seller. Continue reading Music Review >> Glee Cast – “Pot O’ Gold”
Check out a preview of tomorrow night’s episode of Glee, entitled “Asian F,” which critics are hailing as “the best episode of Glee ever.”
“Asian F” Sneak Peek
More Glee goodies after the cut! Continue reading VIDEO: Glee Preview & Performances From “Asian F”
Season three of Glee kicked off last week, which means my love for Gleeked out cover songs is on like Donkey Kong!
The music from the season premiere, “The Purple Piano Project,” included songs from The Go-Go’s, Barbra Streisand, Tom Jones, Anything Goes, Annie Get Your Gun, and Hairspray.
The Go-Go’s’ “We Got The Beat” features Lea Michele (Rachel), Naya Rivera (Santana), and Heather Morris (Brittany) on lead vocals. All of the ladies sound pretty fantastic. As much as I enjoy Michele’s voice. It was nice to hear her share the vocal spotlight with Rivera and Morris. Overall, what I really enjoy about this track is that it feels that Glee is going back to basics with this season’s music by making songs from the 1980s staples in our iTunes playlists.
Keepin’ it real, I have to admit that I did not watch much of The Glee Project this summer. I maybe caught about four episodes, so it shouldn’t surprise you that I had no idea what to expect when Lindsay Pearce (Harmony) took her turn in the spotlight this week.
Pearce took on a mash-up of “Anything Goes”/“Anything You Can Do” from Anything Goes and Annie Get Your Gun. Oh my gosh. I truly hope this isn’t the last we hear from Pearce this season, because her voice is phenomenal! The closing notes on the song give me chills just thinking about it. Definitely check out her track this week.
Take a behind the scenes look at last night’s Gleek’d out food fight!
Aaaand here’s a “First Look” at season three of Glee!
What did you think of last night’s Glee premiere? Are you loving Quinn’s new ‘tude and Blaine’s lack of Warbler garb?


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(By Jussi Rosendahl, Reuters) – Rovio Entertainment Ltd, the maker of hit mobile phone game Angry Birds, on Wednesday said it fell to loss last year due to restructuring and investments in the upcoming 3D Hollywood movie.
Rovio’s earnings have dropped for three consecutive years as licensing has fallen and the company has failed to create new hit games. Last year it cut a third of its workforce.
Rovio said its 2015 adjusted operating loss was 13 million euros ($14.75 million), compared to a profit of 10 million in 2014 and a profit of 77 million in 2012.
Sales fell to 142 million euros last year from 158 million. Rovio said revenue from games was up slightly at around 114 million.
Rovio is hoping that the Angry Birds movie, due out next month, will help it win new licensing deals and boost sales.
“This year’s first quarter is already profitable and the outlook for the rest of the year is positive,” CEO Kati Levoranta said in a statement.
(Reporting by Jussi Rosendahl; editing by Jason Neely)
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Workers’ Compensation Insurance
Almost every business in the United States that has employees has to handle the problem of workers’ compensation. Most states (with a few important exceptions) essentially require employers to purchase an insurance policy to handle their statutory obligations to workers who are injured or made ill due to a workplace exposure. Whether your business is small or large, handling the expense and effort of meeting those statutory obligations is an ever-present challenge.
Workers’ compensation requirements in the United States began early in the 20th century, back in 1911. Before then, workers who’d been injured or made ill on the job had to take legal action against their employers, resulting in a system that simultaneously made it difficult for workers to obtain compensation for such injuries and yet exposed employers to potentially devastating financial penalties under the tort system.
But beginning in 1911, an historic compromise solution was devised by the various states. Wisconsin was the first, but other states quickly followed, enacting a «no fault» system intended to make sure workers received fair and prompt medical treatment and financial compensation for workplace injuries and illness. This compromise system also established limits on the obligations of employers for these workplace exposures, so that the costs could be made more predictable and affordable.
Today, modern workers’ comp laws provide fairly comprehensive and specific benefits to workers who suffer workplace injury or illness. Benefits include medical expenses, death benefits, lost wages, and vocational rehabilitation. Failure to carry workers’ compensation insurance or otherwise meet a state’s regulations in this regard can leave an employer exposed not only to paying these benefits out of pocket, but also to paying penalties levied by the states.
In most jurisdictions, employers can meet their workers’ compensation obligations by purchasing an insurance policy from an insurance company. However, five states and two U.S. territories (North Dakota, Ohio, Puerto Rico, the U.S. Virgin Islands, Washington, West Virginia, or Wyoming) require employers to get coverage exclusively through state-operated funds. If you’re an employer doing business in any of these jurisdictions, you need to obtain coverage from the specified government-run fund. These are commonly called monopoly state funds. A business cannot meet its workers’ compensation obligations in these jurisdictions with private insurance.
Since workers’ compensation is primarily regulated by the individual states and territories, there’s no single cohesive set of rules governing benefits, coverage or premium computation. Even if you have considerable experience in dealing with one state’s workers’ compensation system, if your business expands to a different state, you can easily find yourself dealing with very different rules.
So who needs workers’ comp insurance? That may be the first important question that a business needs to address, because not every business is required to purchase workers’ compensation insurance. Generally speaking, sole proprietors and partnerships aren’t required to purchase workers’ compensation insurance unless and until they have employees who aren’t owners. Most states will allow sole proprietors and partners to cover themselves for workers’ compensation if they choose to, but it isn’t required. (An important note, though-these rules vary from state to state and can change over time. So it’s always a good idea to check with your particular state’s regulatory agency to make sure what the rules are for your state jurisdiction.)
Some states don’t require an employee to be covered if he or she is paid solely by commission. Again, check with the workers’ compensation regulators in your particular state to see how they handle this.
A general rule is that if you have employees who aren’t owners of the company, you probably need workers’ compensation insurance. Speaking of employees, here’s a potential trap to be aware of and avoid: Under most state’s workers’ compensation laws, you might have employees you don’t know about. That’s because most states will treat an uninsured contractor or subcontractor as your employee if he or she is injured while doing work for your company.
The standard workers’ compensation insurance policy is a unique insurance contract in many respects. Unlike other liability insurance policies, it doesn’t have a maximum dollar amount limit to its primary coverage. Your auto insurance policy, for example, has certain specified maximum amounts the policy covers per accident; if the cost of a particular accident exceeds that limit, you’ll need to look elsewhere for those additional dollars (either your own pocket or an excess or umbrella liability policy). Workers’ compensation insurance policies have a dollar limit also, but only for Part Two of the coverage, employers’ liability. But Part One—the part that responds to an employer’s statutory workers’ compensation liability—has no set limit. Once the policy is in force, the insurance company is responsible for all that employer’s claims that arise for workers’ compensation benefits in the states covered by the policy.
When it comes to controlling workers’ comp costs, here are some particular areas you may want to focus on to make sure your insurance costs aren’t out of control:
Determine if you’re in an assigned risk plan. Sometimes an insurance agent handling the workers’ compensation insurance for a small employer doesn’t make it clear that the policy procured is an assigned risk policy. And in many states, the rates and premium for an assigned risk policy are much, much higher than for the same policy written through the voluntary market. An assigned risk policy doesn’t look different from any other workers’ comp policy, except for some subtle differences. So make it a point to insist on knowing if your policy has been written through an assigned risk plan.
If you’re in an assigned risk plan, check with your state’s insurance regulators to see if assigned risk policies in your state have higher rates and premiums. If this is the case, then do everything in your power to find coverage outside the assigned risk plan. Talk with other agents, talk with direct-writing insurance companies, talk with employee leasing companies, investigate group self-insurance programs available in your state-but don’t let it be your agent’s responsibility to get you out of the assigned risk plan. Your agent just may not have a viable alternative for you, but that doesn’t mean that such an alternative doesn’t exist.
Check what credits may be available to you in your state. If you’re not in an assigned risk plan, make sure your policy gives you whatever credits you might be eligible for in your state. If your state offers credits for a drug- and alcohol-free workplace, find out if you’re eligible. If your state offers merit rating, see if you’re eligible for that from an insurer. If your premium is appropriate, make sure you’re getting the proper experience modification factor. If your state offers a small-deductible credit, look into obtaining it.
Insist on getting audit workpapers after any audit. If the insurance company sends out an auditor to determine your final premium, make sure to request a copy of the audit work papers so you can review them carefully and make sure payroll computation adjusts overtime properly and allocates payroll of different employees correctly.
Check into alternative sources of workers’ compensation insurance. Many business and trade associations sponsor insurance programs that include workers’ compensation insurance. Check into all organizations to which you belong or that you might be eligible to join; they may offer sponsored insurance programs that could reduce your rates or premium.
Workplace safety is also a necessary part of any program to control the cost of workers’ compensation insurance. Here are some tried and true steps that employers can take to improve their workplace safety:
Discuss safety at every opportunity. Make workplace safety efforts an important part of every meeting. Don’t just make it a part of your managers’ meetings-make it a constant topic at meetings with workers. Make sure you communicate to them why safety is so vital, and how it affects the cost of workers’ compensation coverage and thus the bottom-line of the company. You might be amazed at how many of your employees don’t really understand how expensive workers’ compensation coverage is for the company-or even that it’s a cost for the company at all. Some employees think it’s just some kind of government program that doesn’t really translate back to direct costs for the company. So share information about the cost of the company’s workers’ compensation insurance and how the cost of claims drives up that cost. Post the company’s safety goals, and how well the company is doing in regard to meeting those goals. Compare current injury information (without disclosing confidential information about injured workers) with information on recent years.
Examine trends in workplace injuries. You can’t rely solely on your insurance company to analyze this data and alert you to trends you need to address. Get all the information you can about what kinds of claims are occurring and in what part of your operations. Only by understanding what’s causing your claims can you begin to address the causes. It’s a terribly overworked cliché, but it’s also very true: Safety is no accident. It takes planning, effort and thought.
Workers’ compensation insurance can be the difference between a normal insurance payout and a crushing lawsuit. Workers’ comp protects your business and provides your employees with insurance payouts if they are ever injured on the job. Many states require some form of workers’ compensation coverage, depending on what industry your business operates in. Businesses in the construction industry, for example, are almost universally required to have workers’ compensation insurance.
Despite these requirements, small business insurance company Insureon conducted a study of the kinds of insurance policies small businesses enroll in. It found that only 17 percent of small businesses polled had workers’ compensation insurance.
«One reason could be because some of these businesses are owned by sole proprietors who aren’t required to purchase this policy,» said Jeff Somers, president of Insureon. «However, in other cases, small business owners may simply think the level of risk they face is small because of the size of their business.»
It’s crucial to know whether your business is required to have workers’ comp insurance, which depends on what state you operate in. Even if you’re running a business that doesn’t require the same kind of physical commitment as a construction or labor-based job, you may still be required to carry insurance. You can start by learning your state’s laws with the NFIB’s guide to workers’ comp laws.
Another important factor is whether your business operates in multiple states. Mitchell Sharp, marketing associate with The Insurance Shop, said that while laws may vary widely from state to state, businesses operating in multiple states need to understand that their policy may be more complicated.
«If a business operates in multiple states, it is important to bring this to the attention of your agent during the quoting process,» he said. «Speaking long and honestly with your insurance agent about all the issues your business faces can eliminate a lot of headaches down the road when a claim occurs.»
- If your small business is expanding to the point where you need to hire an employee, you’ll need to read up on federal and state laws regarding workers compensation insurance.
Workers compensation is an insurance program set up to provide workers who were injured on the job benefits to make up for lost wages while they’re out taking care of their injury.
According to entrepreneur.com, areas it covers include:
- Injuries or loss of limbs
- Illnesses, like emphysema
- Injuries caused at work, like repetitive motion injuries
- Medical treatment
- Rehabilitation needed so employees can return to work
- Lost wages (up to two-thirds of the employee’s salary)
- Liability insurance for the company for lawsuits filed by injured employees
While it might seem like just one more annoying business expense, offering workers’ compensation can actually protect you from litigation should an employee become injured or sick as a result of the job. Every state but Texas requires companies to carry workers compensation insurance — either through a private insurer or the state, or, the business can elect to be self-insured.
The cost for workers compensation insurance varies by provider and industry (high-risk jobs like roofing or construction carry higher premiums than office jobs, for instance). In addition, a company’s premiums can either increase or decrease depending on the number of claims filed.
Business owners can help reduce claims and lower premiums by :
- Accessing the safety of the work environment by investigating how safe the equipment is, whether it needs to be repaired or replaced, offering safety gear where needed and providing ergonomically friendly office equipment.
- Creating a safe work environment by training all employees on workplace safety, offering updates and tips on workplace safety, and incentivizing employees’ accident-free work.
- Getting injured employees back to work faster.
- Starting an employee wellness program to encourage healthy living and fitness, which should reduce the number of employees injured on the job.
Below are six myths and facts every employer should know about workers compensation insurance:
1. Once the workers comp has been paid, the employer has no more responsibilities. By staying in close contact with their employees early and often during the recovery phase, business owners can better gauge when the employee will be able to return to work, according to an article on LexisNexis.com. Instituting a return-to-work program can help reduce the number of days lost to injury or illness, and as a result increase productivity. Such a program also helps reduce any future increases in workers comp and disability insurance (when you reduce lost wages, the number of claims drop, which means your premiums drop, too).
2. Only larger businesses are required to carry workers compensation insurance. Again, laws vary by state, but in many states a business needs only have one employee to meet the requirement for workers compensation. Coverage requirements can also be dependent on type of business; for example, in Missouri, the law states that for most companies there must be a minimum of five employees before coverage is required, but if that company is in the construction industry, the minimum is one employee.
3. Workers compensation fraud is common. While the media fueled these claims by the insurance industry, studies show that only 1 to 2 percent of claims are fraudulent. The insurance industry estimates fraudulent claims cost companies $5 billion annually, in 2000. But a team of independent researchers estimates the national price tag is probably closer to $1.2 billion, according to an article on PBS.org.
4. Having employees fill out 1099 forms is a way to avoid paying workers compensation. Some small businesses might be under the impression that if they have their employers fill out 1099 forms then they’re classified as independent contractors, and therefore do not require coverage. There is a set of guidelines a person must meet to be classified as an independent contractor, and if state or IRS investigators discover that workers classified as independent contractors are, in fact, employees, the business could face tax penalties and in some states be held criminally liable.
5. Workers can be paid for an injury that occurred at work, even if it was partially their fault. While employees don’t have free reign to injure themselves on purpose in order to collect benefits, if the injury rises out of or is within the scope of their employment — even if they might have been careless — then they’re covered. If an employee receives benefits for sustaining injury while under the influence of drugs or alcohol, he or she most likely will not be covered.
6. An employee can collect benefits, even if they weren’t at the workplace when they were injured. According to FindLaw.com, while the laws vary by state, generally any time an employee is injured within the scope of performing their job even if they are not at their workplace they’re covered. Examples include a salesperson who is injured at a the hotel he’s staying at for business purposes or an employee who’s injured while out running an errand on behalf of the company. Employees are also typically covered if they’re injured while attending a company-sponsored event (ie: a company picnic, retreat, etc.). On the flip side, workers comp does not cover employees who were injured while on break, even if they are on company property.
Workers’ compensation insurance (workers’ comp or workman’s compensation insurance) is a mandatory type of insurance carried by many businesses. Get a workers’ comp insurance quote with the Progressive Advantage® Business Program and better protect your business from medical costs and a portion of lost wages for an employee who becomes injured or ill on the job.
Who needs workers’ compensation insurance?
Workers’ comp insurance is required by law in almost every state. These laws are designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, received by employees in the course of their work.
Workers’ comp insurance can also protect your business from being sued by employees for workplace conditions that can cause an injury or illness.
Workers’ comp basics
Workers’ comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work. Examples of injuries that may be covered by workers’ comp include injuries caused by lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.
Many state workers’ comp programs do not provide coverage for injuries that occur while an employee is not acting within the scope of employment — such as playing football with friends on a day off.
Protecting Your Employees and Your Business
A key part of running your business is keeping employees safe at work. However, if a worker does suffer an injury, workers compensation coverage provides you and your employees with important protection.
Workers compensation coverage is a state-mandated insurance program that covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work.
A Leader in Workers Compensation
As the #1 preferred business insurance provider1 and one of the nation’s leading carriers of workers compensation, we have the knowledge and resources necessary to:
- Assist injured workers in obtaining necessary medications for work-related injuries without out-of-pocket expenses
- Deliver top claims services with consistently superior outcomes
- Provide quality, affordable treatment for injured workers from our network of local medical providers
Proactive Risk Control Solutions
The most effective way to lower your total cost of risk is to prevent accidents from happening. Our full slate of risk control services will help you do exactly that.
Resolving Claims Effectively and Efficiently
We know that every minute of lost productivity hurts your business, so we take pride in the fact that we close claims faster and at lower cost than the industry average.2 Our expertise results in fewer days out of work for your employees and a significantly lower cost of risk for your business.
By employing highly trained specialists and sophisticated modeling techniques, we resolve claims quickly and effectively. Learn more about our claims services.
Looking for an integrated solution to also manage non-work related injuries? Learn more about our group disability and absence management employee benefits offerings.
What is workers’ compensation insurance?
The cost of the workers’ compensation insurance is paid by the employer. Many view the cost as another fringe benefit and will include the cost in its fringe benefit rate. Hence, the cost of workers’ compensation insurance for production workers will be an additional product cost. The cost of workers’ compensation insurance for the office staff will be a period cost and will be expensed immediately as part of SG&A.
The cost of workers’ compensation insurance varies by the type of work performed, each employee’s annual pay, and the company’s experience rating. In other words, the cost of workers’ compensation insurance will be highest when the work performed is dangerous, the employees in those jobs have high annual pay, and the company has a history of many injuries. On the other hand, the workers’ compensation insurance cost will be very low for an office clerk who never enters the factory area.
It is important not to confuse worker comp with unemployment comp.
It’s your job to keep employees safe at work. However, accidents happen. Sometimes employees get injured or become ill on the job, and that’s why we have Workers Compensation Insurance.
This insurance covers medical costs and lost wages, as well as things like rehabilitation or physical therapy. It’s mandatory in many states, and highly recommended for all employers.
Read on to find out more about this type of coverage and what your business should look for in a policy.
What Is Workers Compensation Insurance?
Often called “Workman’s Comp,” this insurance has been available in the U.S. since 1949. This type of insurance provides wage replacement and medical benefits to employees who are injured at work. In exchange, employees relinquish their right to sue their employer for negligence. Therefore, Workers Compensation Insurance protects employers from costly lawsuits, while also assuring employees that they are guaranteed some coverage in case of illness or injury on the job.
Workers Compensation Insurance is mandatory in most U.S. states, and laws requiring that businesses hold these policies are intended to eliminate the need for litigation. Employees who are injured or become disabled at work will not need to cover payment of their own medical bills, and will receive monetary compensation to cover loss of wages. This compensation might cover a portion of wages while they are out recovering from an injury, or it might last longer in situations where employees have suffered permanent physical damage.
Many states, however, offer an exception for businesses with a very small number of employees. For example, if you have three or less employees in Alabama, your business is not required to carry it. However, if you are based in Colorado, all public and private employers must provide coverage for their employees if one or more full or part-time persons are employed. In Illinois, the law is even more strictly worded: Workers Compensation Insurance is required in “every work situation. Additionally in some states, such as NY, failure to provide workers compensation results in strict and heavy fines applied by the state.
Some other common exemptions from mandated insurance are for agricultural employees, corporations or exempted members of limited liability companies or LLCs.
Advantages to employees and employers.
Workers’ compensation insurance is part of Finnish social security.
It provides cover for all employees and compensation is paid, in accordance with the Employment Accidents Insurance Act, for injuries resulting from an accident at work or an occupational disease.
STATUTORY WORKERS’ COMPENSATION INSURANCE
The compensations paid from the statutory workers’ compensation insurance take precedence over compensations from other insurance systems.
In Finland, the statutory workers’ compensation insurance is administered by private accident insurance companies, such as If P&C Insurance. Consequently, employers in the private and public sector take out insurance from these private accident insurance companies.
Workers’ Compensation Insurance
What Is It?
Workers’ Compensation Insurance can pay for three things when an employee is injured at work: medical bills, recovery costs, and partial missed wages. If an employee dies, Workers’ Comp can cover funeral costs and benefits to the worker’s family. Depending on state laws and contract requirements, you may need this policy to cover employees, contractors, freelancers, or even yourself.
Workers’ Comp (formerly «workman’s comp») emerged from a «grand bargain» between business owners and workers. Business owners were tired of being sued by injured workers. Workers were tired of being injured.
So Workers’ Comp Insurance was designed to help pay for work injuries and illnesses without the rigmarole of a lawsuit. This liability insurance policy can help your business do three things:
- Pay for medical expenses and replacement wages when employees are injured at work.
- Comply with state Workers’ Comp laws.
- Pay for legal expenses if an employee sues over a work injury the policy doesn’t cover.
Most states require employers to buy Workers’ Compensation Insurance as soon as they hire their first employee. Even when that’s not the case, it’s smart to have this policy, because the cost of workplace injuries is substantial:
- The average workplace injury claim costs $36,551, according to the National Safety Council [PDF].
- Recovering from a workplace injury took a median of nine days in 2014, according to the Bureau of Labor Statistics [PDF].
- Productivity losses come to about $2,660 per hourly worker, according to a report from workforce solution company Circadian.
The takeaway: workman’s comp injuries cost small businesses in lost productivity. Without insurance, those costs would be compounded by employee medical expenses and missed wages.
Workers’ compensation insurance pays for medical care and rehabilitation for employees who are injured on the job or contract a work-related illness. Workers’ compensation also covers a portion of an employee’s lost wages, disability benefits and death benefits for the dependents of employees killed in work-related accidents.
Workers’ compensation covers all of the employees of a business, except independent contractors. Special provisions must be made if employees work out-of-state.
Workers’ compensation is a no-fault system. This means injured employees need not sue their employers to receive compensation. Compensation is automatic for covered benefits. Except in cases of extreme negligence, employers are generally protected from liability due to work-related injuries and illnesses. For example, if an employee is hurt on the job, the injury is immediately reported to the workers’ compensation insurer. The employee receives whatever medical care is needed and the insurer pays the bills. If the employee cannot work for a limited period of time because of the injury, the insurer pays the employee a portion of his or her lost wages. If the employee cannot return to work because of a permanent injury, the insurer pays to train the employee for another job. If the employee dies because of the injury, the insurer pays death benefits to the worker’s dependents.
Who Needs Workers’ Compensation?
Employers in all states except Texas and New Jersey are required by law to have workers’ compensation insurance. New Jersey, employers that do not have workers’ compensation coverage can suffer penalties so severe that the obligation is optional in theory only.
Each state sets its own benefit levels, so coverage does not differ among various workers’ compensation insurers within a state. In North Dakota, Washington, Wyoming and Ohio only the state can sell workers’ compensation coverage.
Several states operate a worker’s compensation fund that serves as a workers’ compensation insurance company for employers in the state. These funds are available to ensure that workers’ compensation insurance is available to all employers in the state, even those that may have difficulty buying coverage from a commercial carrier.
What Affects the Cost of the Policy?
A company’s payroll is one of the factors used to calculate an employer’s premium. The higher your payroll, the higher your premium will be.
The kind of work your employees do also affects your premium cost. Employers must report to a workers’ compensation insurer the job classification of each of their employees. Generally, premiums are more costly for employees with jobs that involve a greater amount of risk.
For example, the premium for a construction worker would usually be higher than the premium for an administrative assistant.
With very few exceptions, if you have employees you need Workers Compensation insurance.Workers Compensation pays for medical expenses and lost wages when a worker is injured in the scope of his or her employment. Workers Compensation is a “no fault” coverage which means that if a worker is legitimately injured at work, the policy will pay, even if the accident was the employee’s fault. The compensating trade-off for employers is that in most cases injured workers may not sue their employer. Workers Compensation is designed to be their sole remedy.
Medium and large employers have an Experience Modification Factor that is unique to them. This factor, which is calculated by a disinterested third party, is a multiplier that is applied to the premium. It can be neutral (1.00), a credit (.99 or less), or a debit (1.01 or higher) and is based on the employers claims experience. An employer with a 1.50 mod factor will, on average, pay 50% more than his competitor with average loss experience. The goal is always to achieve a lower Experience Modification Factor. The only way to do that is to minimize the frequency and severity of workplace injuries, and Hortica will help!
- In most states, Hortica maintains preferred provider panels. These providers deliver excellent cost-effective medical care with the goal of getting injured workers back to work as quickly as possible.
- Hortica utilizes Nurse Case Managers to assess medical information and determine the medical necessity of proposed treatment plans. They also coordinate plans to get injured employees back to work as quickly as possible.
- Hortica Loss Control experts identify safety hazards and conduct industry-specific safety training programs. They also assist employers with the development of comprehensive safety plans.
- Numerous bi-lingual training modules are available at no cost to Hortica customers.
- Pay-As-You-Go premium payment plans are available for businesses with payrolls that fluctuate seasonally. (Size restrictions may apply.)
How to Get Workmans’ Comp Insurance
Workers’ comp insurance policies are purchased through a private commercial carrier—that is, an insurance company. These are usually the same companies that offer other types of business insurance.
Workmans’ comp insurance, also referred to as workers’ comp insurance, provides benefits to employees for work related injuries or illnesses including medical care and wages lost from work. This insurance coverage also can cover a deceased workers’ family with a financial benefit. If that family chooses to sue your company, workmans’ comp insurance can also help cover the related legal fees.
On occasion, an employer may be deemed an excessive risk by insurance companies and fail to qualify for workers’ comp insurance. For these cases, some states have established their own assigned-risk workers’ compensation insurance programs, setting up a special fund that essentially serves as a “workers’ comp insurer of last resort” for companies who can’t get insurance on their own.
Generally, a state governing board will oversee public/private combinations of workers’ compensation systems. These boards go by several names, such as «quasi-judicial agencies» or «workers’ compensation commissions.»
When employees suffer a work related illness or injury, Workers’ Compensation Insurance from The Hartford helps cover wages and medical benefits and gives them access to experienced, caring professionals at every step of the way.
Buy Workmans’ Comp Insurance
In most states, the cost of Workers’ Compensation insurance can vary between insurance companies as they compete for customers. Despite the variability, all insurance companies base Workers’ Compensation premiums on the amount of payroll an employer has as well as how dangerous the work is. Learn more about the cost of your business with a workmans’ comp quote from The Hartford.
Buying workmans’ comp insurance is essential when it comes to protecting your business. Workers’ Comp insurance helps cover employees for work-related injuries and illnesses, it can help mitigate the possibility of employees bringing suits against your business for work-related injuries and illnesses, and it helps protect your business by keeping it compliant with state Workers’ Comp regulations. Learn more about workmans’ comp insurance and what is required in specific states.
WORKERS COMPENSATION INSURANCE
As a business owner, you do everything you can to protect your employees from potential dangers, but do you have workers compensation protection? Most business owners understand that workers compensation is important, but did you know that if you have employees, it is required by law for most businesses to have coverage?
Workers compensation is a type of insurance coverage that protects your employees in case of injury or disease during the course of employment. Policies can provide coverage for:
- Medical expenses
- Lost income/wages
- Rehabilitation costs
- Death benefits
- And more…
For anyone who is classified as an employee, it is required by law to provide them with workers compensation coverage. Employees can opt out of coverage, but if you do not offer it, you can be fined up to $2,500 a day and can face a Class D felony charge with a mandatory minimum one year prison sentence. Termination of an employee who is injured while working and/or who files a workers compensation claim is also illegal. As a rule, a company with five or more employees is mandated to purchase workers compensation insurance to cover medical expenses, permanent disability, and a portion of the injured employee’s wages.
Having workers compensation coverage can save you and your business from costly lawsuits and employee issues. Workers compensation insurance protects your business AND your employees, who are oftentimes a huge part of the framework of a company. For more information about workers comp and what it does for your company, contact The Buren Insurance Group, Inc. today!
Workers compensation insurance
If a work-related accident or illness occurs, work health and safety (WHS) laws require that workers can access first aid, workers’ compensation and return-to-work rehabilitation.
It’s your responsibility as an employer to:
- maintain a safe workplace
- maintain current and adequate workers’ compensation insurance
- protect yourself and your workers from financial hardship in the event of a workplace injury.
As an employer, you need to maintain current and adequate workers’ compensation insurance to protect you and your workers against financial hardship as a result of a workplace accident.
Professional Help with Your Workers’ Compensation Plan in Minnesota
One of the biggest concerns with Minnesota businesses today is operating costs, and workers compensation premiums can be a major expense. However, many companies adopt the strategy of accepting bids for their insurance and ultimately go with the lowest price. This can be a huge mistake for a number of reasons.
Let’s take the case of fictional company ABC to demonstrate.
Company ABC was a medium sized electronics manufacturing company with a growing base of customers and recently they expanded into other parts of the Midwest. The President, David G, was very concerned about costs and tried his best to run a lean company. In fact, he had many measures in place to ensure high quality and recently made major changes which greatly increased profits for the previous quarter.
To maintain efficiency, he decided to use the lowest workman’s comp premiums possible. To David, this seemed like the most efficient strategy at the time. However, David made the same mistakes many businesses owners make by assuming the lowest premiums was the most important factor. He failed to realize that he had two employees currently off work and they were preparing lawsuits against the company. This resulted in a lot of unnecessary legal costs, which could have been avoided if his HR director had handled matters differently.
After reaching a settlement with the employees, David met a man at a local donut shop, and they talked about workers’ comp issues. The man was a CWCA (Certified Work Comp Advisor) and showed David all the benefits his program had to offer. David decided to try it and within six months, lost time accidents had dropped off substantially because he now had the benefits of professional help. Let’s talk about workman compensation, what it is and the benefits you can receive from a CWCA at Insurance Brokers of MN.
What is Workers’ Compensation?
Workman compensation is insurance to compensate employees for time off, due to an on the job injury or job related illness or injury. This insurance is mandatory. The coverage allows for medical care, reimbursement for lost wages, and death benefits.
Who Needs Workers’ Compensation Insurance?
Any business with employees must purchase this coverage or self-insure. This is the law. Even if you only employee one person part-time, you must provide this insurance coverage. Failure to comply can result in major penalties. At Insurance Brokers of MN, Inc. we are licensed to write workers’ compensation in many states including Minnesota and surrounding states like: Wisconsin, Iowa, South Dakota, North Dakota.
Standard Coverage for Workers’ Comp
Coverage includes hospital and medical bills. It also makes disability payments and may cover expenses like rehabilitation and job training. Death benefits are also provided.
Workers’ Compensation Insurance
Workers’ compensation insurance in Colorado works two ways: it protect your employees and it protects your business. If an employee is injured on the job, work comp insurance will pay for medical care, disability — whether permanent or temporary, and death benefits. If you are found to be liable for employee injury or illness, workers’ compensation will protect you and your business. This type of insurance is often mandatory.
Work comp insurance guidance, options, and competitive quotes
Check with a work comp agent at Colorado West Insurance to learn if your business is required to carry workers’ compensation insurance and let us explore coverage options for you. As an independent insurance agent we represent several top rated work comp insurance companies and can get you the right coverage that fits your business insurance budget.
Do you have questions about Workers’ Compensation Insurance?
Contact an insurance specialist at Colorado West Insurance today to answer any questions about Workers’ Compensation Insurance or for a free review and insurance quote for Workers’ Compensation Insurance.
Keeping you productive is what we strive for.
Workers Compensation provides coverage for an employee who suffers an illness or accidental injury resulting from job-related duties. Coverage includes medical and rehabilitation costs and lost wages for employees injured on the job. Organizations that have employees are required by state law to have workers compensation insurance.
Rates are based on three key factors.
- The business you are in;
- Your frequency and severity of workers compensation claims and how that compares to other companies in the same business; and
- How much you pay your employees.
Workers compensation coverage provides three separate limits, for example:
- per accident for bodily injury by accident
- policy limit by disease
- per employee for bodily injury by disease
It also contains coverage for funeral expenses and financial support to dependents as well as reimbursement percentages for lost wages.
In the event an employee’s injuries are not compensable under workers compensation and state law imposes liability on the company for those injuries, the policy will cover the company’s liability.
Commercial Auto Insurance coverage provides a business protection against a financial loss that may occur involving the vehicles your company owns or uses in the course of its operations. Auto policies provide coverage for:
- physical damage to your company’s cars
- injuries or damage you inflict on others or their property arising out of the ownership and/or use of your company’s cars
- medical payments to you and your passengers in your car who are injured.
- Uninsured / Underinsured Motorists coverage in the event you are injured by a driver who is either uninsured or inadequately insured
Umbrellas provide additional liability protection in the event of catastrophic lawsuits. Umbrellas sit over the limits of specific liability policies in your business portfolio such as business liability, auto liability and employers’ liability.
Workers’ compensation is a publicly-sponsored system that pays monetary benefits to workers who become injured or disabled in the course of their employment. Workers’ compensation is a type of insurance that offers employees compensation for injuries or disabilities sustained as a result of their employment.
BREAKING DOWN ‘Workers’ Compensation’
By agreeing to receive workers’ compensation, workers also agree to give up their right to sue their employer for negligence. This «compensation bargain» is intended to protect both workers and employers. Workers give up further recourse in exchange for guaranteed compensation, while employers consent to a certain amount of liability while avoiding potentially greater damage of a large-scale negligence lawsuit. All parties (including taxpayers) benefit from avoiding the legal fees needed to process a trial.
Workers’ Comp Coverage
Most compensation plans offer coverage of medical fees related to injuries acquired as a direct result of employment. For example, a construction worker could claim compensation if scaffolding fell on their head, but not if they were in a traffic accident while driving to the job site. In other situations, workers can receive the equivalent of sick pay while they are on medical leave. If a worker dies as a result of their employment, workers’ compensation also gives payments to their family members or other dependents.
While the «compensation bargain» excludes the possibility of a tort of negligence being issued by employees, this is not to say that compensation is a foregone conclusion. For one thing, it is not always clear whether or not an employer is actually liable for an injury to their worker. Furthermore, working injuries are chronically underreported in some industries.
Legally, there is no penalty for reporting a workplace injury to an employer, but this stipulation is impossible to regulate on an individual level, especially in industries like construction where a worker’s livelihood depends to a degree on their physical abilities. Workers’ compensation payments are also susceptible to insurance fraud: in some cases, workers will sustain an unrelated injury but report that it was sustained on the job.
Workers’ compensation should not be confused with disability insurance or unemployment income; it only pays workers who are injured on the job, while disability insurance pays out regardless of when or where the insured is injured or disabled. Workers’ compensation also does not cover unemployment. Unlike unemployment income or disability benefits, workers’ compensation is always tax-free.
Workers’ Compensation at the State and Federal Level
In the United States, workers’ compensation policy is usually handled by individual states. The Department of Labor houses an Office of Worker’s Compensation Programs, but it is only responsible for compensation policies for federal employees, longshoremen and coal miners. The lack of federal standards for workers’ compensation has resulted in deeply varied policies for the same kinds of injuries in different parts of the country. Therefore, it is essential for a worker acknowledging and preparing for the possibility of a work-related injury to carefully examine both state and company compensation literature.
Recent studies have shown that workers’ compensation benefits have dropped substantially in a majority of states. Identical injuries can receive radically different kinds of compensation depending on where a worker resides, which makes it all the more important to examine local compensation statutes. Meanwhile, studies have also shown that incommensurate workers’ compensation is closely correlated with persistent income inequality.
Workers Compensation Insurance
Workers Compensation Insurance: Rock Solid Protection at a Great Rate
Having workers compensation insurance coverage isn’t just good for your business, it’s also a legal requirement. Unfortunately it can be hard for business owners to know which policies are right for them, how often they should review their coverage, and what the requirements for employee disclosure and filing are like.
As part of our PEO services, the team at StaffMetrix HR have become experts in Georgia workers compensation. We know how to help our clients find the best insurance, the best ways to navigate Georgia workers compensation state forms, and even how to communicate the details of benefits packages to team members.
Why Choose Us As Your Georgia Workers Compensation Partner?
If you’ve ever worried that you don’t have the right insurance to meet your business needs and legal requirements, it’s time to get the right advice. Let us help you with Atlanta Georgia workers compensation and you’ll get:
- Personalized advice from experienced human resources executives and consultants
- Affordable workers compensation insurance coverage to keep you and your team protected
- Timely filing for all required documents to ensure you stay in compliance
- Regular reviews of your workers compensation insurance package to make sure you’re getting a great rate
You can get insurance anywhere – when you need a partner who will get to know your business needs and help you manage the people side of your organization better, turn to StaffMetrix HR.
Workers Compensation Insurance That Works for You
Having insurance is meaningless if you don’t have the right coverage, or enough of it, when it matters most. Don’t take chances with the future of your company. Let our team of experts help you find the policy and coverage that’s perfect for your needs and budget.
Workers’ Compensation Insurance
Workers’ compensation insurance in Arizona works two ways: it protect your employees and it protects your business. If an employee is injured on the job, workers’ compensation insurance will pay for medical care, disability — whether permanent or temporary, and death benefits. If you are found to be liable for employee injury or illness, workers’ compensation will protect you and your business. This type of insurance is most often mandatory.
Work comp insurance guidance, options, and competitive quotes
Check with a work comp agent at The Arizona Group to learn if your business is required to carry workers’ compensation insurance and let us explore coverage options for you. We offer several value-added options for our workers’ compensation policyholders. These include assistance with OSHA compliance, Unit Stat Filings, assistance in lowering mod factors, audit reviews, developing claims protocols, developing employee safety and return to work programs.
As an independent insurance agent we represent several top-rated insurance companies, including CopperPoint Mutual which was formerly the State Compensation Fund, and can get you the right coverage that fits your business insurance budget.
Do you have questions about Workers’ Compensation Insurance?
Contact a Workers’ Compensation Insurance specialist at The Arizona Group today to answer any of your Workers’ Compensation Insurance questions or for a free Workers’ Compensation Insurance review and quote.

domain: law


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Arjun Kapoor opens up on trolling against the Bollywood industry. For a few months, films like Shamshera, Laal Singh Chaddha, and even Raksha Bandhan have faced boycott campaigns on social media. Arjun Kapoor, last seen in the film Ek Villain Returns, says that the industry remained silent, leading to people taking advantage of them. Talking to Bollywood Hungama, Arjun said,
“I think we made a mistake by being silent about it, and that was our decency, but people have started taking advantage of that. I think we made a mistake by thinking that ‘our work will speak for ourselves. You know you don’t always need to get your hand dirty, but I guess we tolerated it a lot, and now people have made this a habit. We need to come together and do something about it because what people write about us or the hashtags that trend are far away from reality. When we do films that do good at the box office, then at that time people like us not because of our surnames but because of the film.”
Arjun added that this boycott has started happening a lot now, which is unfair. He said, “Ab jyada hone laga hai…unfair hai.” Arjun continued,
“On Friday morning, the spark in people, the euphoria for a new film, the excitement in people, and the shine of the industry are coming down. Lagatar keechad uchaalte jayenge toh nayi gaadi bhi thodi si shine kho degi na? Humne toh kaafi keechad jhel liya hai pichle kuch saalon mein kyunki we have turned a blind eye on it (People have been tossing mud on us for years now, and even a new car that will face that will turn muddy and it will lose its shine. We have been facing this for years now). We think that people’s perception will change after the film’s release.”
Arjun Kapoor will be next seen in the film Kuttey and The Ladykiller. The audience appreciated his performance in the film Ek Villain Returns which also features John Abraham, Disha Patani, and Tara Sutaria.

domain: artistic


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The new Virtual Sheet Music free application allows iPhone, iPod touch and iPad owners to enjoy the Virtual Sheet Music catalog on the go. Users can download our high quality digital sheet music and play it off-line, as well as listen to and download thousands of Mp3 audio files included for any item in the catalog. Sheet Music can be printed via AirPrint or sent as a PDF file to any email address.
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Business is booming for Baltimore-based clothier Under Armour. The latest profit reports sent the stocks soaring to an all-time high, making millions and millions of dollars for its CEO.
Positive news on the Maryland job front. The US Department of Labor has released the annual job report for 2013.
The largest carrier at BWI-Marshall is spreading its wings. Southwest Airlines says they are starting international flights.
A thick layer of snow blankets the ground in Charm City, but thousands will be dreaming of summer this weekend at the Baltimore Boat Show.
There are calls for a federal investigation in the Target data breach that’s left 110 million customers exposed to potential fraud.
Hackers have now hit Neiman Marcus and at least three other stores. As federal authorities track what’s believed to be an international crime ring, customers are demanding answers.
The security breach at Target is even worse than we first thought. In all, more than 100 million people may have been hacked.
Bulb ban. A nationwide phase-out on 40 and 60-watt light bulbs starts this week. But many home improvement stores say customers are confused about where to find replacements.
A fight at the pump. Some Howard County business owners are trying to tighten regulations to keep new gas stations out.
Thousands of Marylanders enter the new year with a new challenge. Federal unemployment benefits ended Saturday.
Maryland property values are up. It’s good news homeowners have not seen in at least five years. Experts say it could signal a turnaround in the economy.
More than a million Americans are bracing to lose their lifeline from the government. Long-term unemployment benefits, put in place during the recession, are set to end Saturday.
Sometimes, great deals are just too good to be true.
Suppose you won the lottery, what happens next? Check out these amazing tax havens where you can stow your money without worrying about the tax hit.
You’re making small talk at a party, and then you ask the big question, “So what do you do for a living?” The answer determines if you exchange phone numbers or say goodnight. A survey on the Careerbuilder website asked which occupations are the sexiest. Here is the top 10 list. …
Find out what colors you should be wearing this summer.


Well, it has certainly been a while since I have posted on here, but I have been doing a lot of work on my ridge as of late. This past week, I had the RV6 J-pipe installed along with two of their high flow pre-cats. I also replaced the third cat with a straight pipe delete. The results have been great and the work combined with my existing back end exhaust are fantastic! First off, the vehicle sounds mean. It's louder, throatier, and powerful sounding. The pick up has increased as well. I only wish the vehicle could be tuned to maximize the changes to my full exhaust system. In the words of friend after hearing it, " I never knew a Honda could sound that good". I wish i could provide pictures at the moment, but I will certainly add some at a later date! Cheers!


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No catches, no fine print just unadulterated book loving, with your favourite books saved to your own digital bookshelf.
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The second of a new series of young fiction by Jenny Valentine, winner of the Guardian Children's Fiction Prize for her debut novel, Finding Violet Park. More funny and endearing family stories featuring the the irrepressible 5-year-old IGGY as seen through the eyes of her big sister Flo, the ME of the title. Whether learning to swim, or playing at home, going on a day trip or baking birthday cakes, Iggy and Flo add sparkle to everyday activities. Each chapter is a complete and satisfying story in its own right, perfect for newly-confident readers to enjoy alone, or for reading aloud at bedtime. Illustrated throughout in with black & white line drawings by Joe Berger, who was nominated for the Booktrust Early Years Award for his picture book, Bridget Fidget.
|Publication date:||4th February 2010|
|Publisher:||HarperCollins an imprint of HarperCollins Publishers|
|Format:||Paperback / softback|
|Categories:||Family & home stories (Children's / Teenage),|
Jenny Valentine moved house every two years when she was growing up. She worked in a wholefood shop in Primrose Hill for fifteen years where she met many extraordinary people and sold more organic loaves than there are words in her first novel, Finding Violet Park, which won the Guardian Children's Fiction Prize in 2007. The Iggy and Me titles are her first venture into writing for younger readers.More About Jenny Valentine

domain: entertainment