Workers Comp Insurance Isn’t Required in Texas – Does My Business Really Need It?

Texas is the only state in our great union that doesn’t require employers in some form to carry workers comp coverage. Is this good news?

I run across many Texas businesses that choose to go bare. I hear things like, “Hey, my employees work in an office, what’s going to happen? If someone gets a vicious paper cut, I can write a check to the urgent care center. Problem solved, right?”

Educate Yourself on the Risks

Maybe. As long as you are comfortable with the risks. What else can happen to your office employees? Do they ever drive their own vehicles for business purposes? Ever drive to the bank to do a deposit or make a run to Office Depot? Ever go on a sales call? (I know after last quarter’s numbers you sometimes wonder, huh)? What happens if your employee gets in an at-fault accident and sustains serious injuries? Who pays for hospital stays, medications and lost wages if you don’t have Workers Comp? Well let’s see:

Health insurance? Nope. Automobile insurance? No again. General Liability Insurance? Excluded. You guessed it. You do!

A Risk Management Axiom

There is a risk management axiom that you should only retain the level of risk you can pay for. To throw in a little perspective on medical expenses, one of my ten year old twins recently had a little ER visit for doing a head-gravity-ground experiment while playing “touch” football. We were there for an hour and a half. The bill… Over $16,000! How much for a serious auto accident? Hundreds of thousands of dollars? More? Can you write a check for that?

Statutory Compliance

There are a couple of other issues you need to be aware of if you choose to go without workers comp coverage (this is called non-subscription). If you are a non-subscriber, then you are by law required to file a “Form 5” with Texas Department of Insurance every year. Failure to do so carries potential administrative penalties and fines. You can get a copy of a form 5 on the TDI website, or get in touch with me at Austin Insurance and I’ll be happy to send you one.

The Realistic Risk

Perhaps the most realistic exposure to non-subscription is the cost of being sued by an employee for on the job injuries. Even if you are vindicated in court, you will still incur potentially substantial legal fees. Now my attorney is a nice guy, but at $300 an hour I tend to forgo the chit chat.

Furthermore if you are sued by an employee for negligence, then you are severely hamstrung in any legal defense you employ because your attorney will not be able to use many common law defenses that are typically critical in defending negligence suits.

The Solution

The good news is that the level of workers comp fraud has diminished over the last few years and rates have come down. In fact for office workers annual rates are as low as 25 cents per $100 of payroll. Make sure you are protected!

Best Laptops for Programming

Your standard pc would not appearance the way it as soon as did, both, with dozens of convertible designs that rethink the same old clamshell to take gain of touch interfaces. Some laptops double as capsules, with hinges that bend and fold, whilst other contact-enabled PCs are definitely slate tablets that include hardware keyboards for pocket book-style use. There’s honestly an excessive amount of range within the computer space for one length or fashion to healthy every body’s needs.

Walk across the block down any pc aisle and you’ll likely word that deciding on laptops has come to be appreciably thinner and greater glossy. Wedding ushers wafer-thin structures represents a brand new vision for ultraportable precessing: a few sort of no-compromises pc light enough you’ll neglect it is in a person’s briefcase, that has an extended-lasting battery that could maintain you working regardless if no power outlet may be purchased. Rapidly storage, whether by using the usage of a complete 128GB or maybe 256GB solid-nation push (SSD) or, far more cost effectively, 32GB so that it will 64GB of eMMC signal, allow these ultraportables the opportunity to renew paintings in no time after being idle or simply asleep for days to weeks. Intel’s advertising target has migrated for the convertible-hybrid laptops similarly to removable-hybrid pills that going barefoot refers to due to the fact that 2-in-1 gadgets (see the subsequent segment for far more facts), however ultraportables continues to a awesome kind.

Most important, the general category has thinned down commonly talking. No count if you’re searching from sliver-skinny ultraportables, mainstream Pcs, or possibly gaming equipments, lap tops of every mixture nowadays are finer, lesser, and better suited for existence on the move. The most beneficial of such fashions will still runs you a pretty anything, in particular if considering a enterprise gadget on the way to now not weigh you down on the time you journey for do the task, but additionally they provide first-rate performance and the maximum beneficial include diverse excessive-end functions also. Hint screens (with 1080p resolution), huge HDMI locations, in addition to 8 or greater time of battery lifestyles tend to be commonplace, in addition to top class laptops (with advanced charges) now have excessive-decision screens, up which will 3, 840-through-2, one hundred sixty decision (4K) at the top bar give up.

At the small cease of the spectrum, 12- and 13-inch laptops, or ultraportables (extra on those below), are worth thinking about if you plan on toting your pc. These fashions are small enough to weigh 3 pounds or much less, however huge sufficient they include a full-size keyboard and a respectable size-display. The drawback is that port choice tends to be minimal because of the restricted amount of room available on facet panels. These laptops commonly serve easy needs like browsing the internet or modest word processing, and they are a terrific choice for commercial enterprise tourists who need to tote a pc frequently. Even smaller 10- and thirteen-inch laptops have even much less room for ports, and will have smaller keyboards and space among the keys, so you’ll should alter your typing style to accommodate.

Babolat Tennis Bags Are the Perfect Solution for the Whole Team

Babolat tennis bags are seen on the shoulders of top tennis players as they walk on court.

With humble beginnings in the late 1800s as the inventor of natural gut racquet strings, Babolat didn’t start making tennis racquets, or bags for that matter, till 1995. By placing Babolat products in the hands of juniors, Babolat began a grassroots movement up the ranks until it was soon the brand of Andy Roddick and former men’s world No.1 Rafael Nadal.

The 12 pack Team is the bag of choice for the Babolat pro and junior teams, including Nadal and Roddick. The bag features three main compartments that can each hold up to three racquets. The rear thermal insulated 3 racquet compartment protects racquets and strings from heat warp. A feature that came in handy at this year’s Australian Open where temperatures crested 100 degrees Fahrenheit. The bag also has two smaller pockets for personals and accessories, a new feature that was developed in response to the difficulty of finding keys and cell phones lost in the bottom of previously designed Babolat tennis bags. The two ergonomic, padded shoulder straps are supplemented by a new grab-and-go carrying strap for easy toting whether the bag is full or empty

The red Babolat Team 135 year anniversary bag is used and signed by Nadal. Babolat currently has a promotion for a discounted ($79.95 to $29.95) Babolat Pure Drive Team bag signed by Roddick with the purchase of a Pure Drive tennis racquet.

The rest of the Team Babolat tennis bag line includes a 9 pack, a 6 pack, a 3 pack, a competition bag, a tennis backpack and a travel bag.

The 9 and 6 pack racquet bags are smaller and more manageable for those with smaller frames than the powerhouse pros. Both have two racquet compartments; one featuring thermal insulation and the other holding either racquets or court and travel necessities. All other features of these bags match their larger, 12 pack counterparts, except the inner shoe compartment.

The 3 pack racquet bag is the logical choice for the tennis player who isn’t far from home. It has one large racquet compartment for up to three racquets and two smaller external pockets for personals. One adjustable shoulder strap and one grab-and-go carry handle make carrying a breeze. This bag does not host thermal insulation.

The Babolat Team competition bag has been used by Roddick and the rest of the Babolat team as they travel the world round as a supplement to the Team Babolat tennis bags. This tennis duffel has a sturdy construction, separated shoe and clothing compartments and a large side pouch for immediate-need accessories. Babolat hosts an innovative four-point shoulder system for ergonomic support on long jaunts through airports.

The Babolat Team tennis backpack holds up to two racquets and is the only solution for the player who needs their hands free to manage a bike or motorcycle. This Babolat tennis bag holds up to two racquets, has a rain cover for one and has enough room for clothing, shoes and anything else you need at the court. One front and two side accessory pockets keep personals close at hand. The foam construction padded back panel ensures optimal comfort during a short or long ride.

All of the Team bags come in red, or black, making Babolat tennis bags the perfect solution for school, club or pro teams.

On Options: My Thoughts Explained

BACKGROUND SCREENING IS IMPORTANT FOR A HIRING COMPANY. Developments in background screening and retrieving of personal information about a specific person is now done quickly and efficiently unlike before. Taking time to do background checks and screening process for each and every employee is essential because it is one way to assure employers that they are able to avoid potential work hazards with employees who are not qualified nor fit to work at the said job or with the rest of their co-workers. The services provided by a background screening company ensures that each and every organization or company looking to hire additional people in its staff, are able to pinpoint only the right ones for the job, thus avoiding potential frauds which can cause risky employment in their team and staff.
3 Jobs Tips from Someone With Experience
It does not really matter whether the need is a simple employee verification or a full-blown background investigation, companies that do this research and screening processes can and will provide their clients the kind of services that they need to ensure that they only get to hire the right people called for by the job. All that you would need is to ensure that you find the one that you can hire at a cost-effective rate and will deliver timely and accurate results.
The Essential Laws of Jobs Explained
Countless companies that you can find online offer their services to clients who want to run a background check or screening in certain people that they are interested in. Its importance can never be stressed enough especially for those companies and organizations who want to ensure that they are able to perform a criminal check on their staff – before they hire them and even the ones they already have working as part of their staff. You can find different companies that offer their background screening solutions and services to clientele on the internet, start by checking out Clear Star. Some of them even offer post-employment services that help companies and businesses further analyse the capabilities and experiences of their internal employees, thereby ensuring that they are matched and fitted for the proper job where they can excel in and be most useful. Also, these background screenings and employment checks gives a clear idea on the abilities and experiences of the employee to their boss, or future boss or company for that matter. For companies that are interested in obtaining these kinds of services, can also take advantage of packaged solutions like the ones offered by ClearStar to maximize their costs. Actually, the things that they would need to look into and ensure are: whether the company has the right portfolio that their company is looking for and need, work history, level of customer support, experience and track record, and how long they have been in the business of providing background screening services to clients, among others.

Secured Loans – Perfect Solutions For Homeowners

Ever imagined a life without your cell phone, credit card, and car? Once considered as luxury items have now become necessities. Life is going at a high speed. New technologies and innovations certainly make life smoother and convenient. Internet i.e. the web media of mass communication is one thing that has indeed revolutionised our way of living. It has given us access across all boundaries and frontiers in fraction of seconds. So, be it booking tickets for a movie, or looking for a life partner, Internet has become a vital part of our lives. It has earned for itself the reputation of being a reliable source of information and fulfills our cognitive, social and recreational needs.

When it comes to the loan market in the UK, the online media is being used effectively to advertise, promote, publicize and sell varied loan products. The advancement of online media benefited the UK loan market in manifold ways.

Benefits for the customers:

  • Access to various lenders and loan products
  • Cost-effective way of searching for loans
  • Saves time and effort
  • Web tools like loan calculators help to compare loans
  • Benefits for the lenders:

  • Target oriented reach
  • Automated process of loan application
  • Secured loans that generally take a long time have also become fast in application and processing, thanks to the online media. Gone are the days when it used to take months for the secured loan application to get approved and disbursed. No body today has the time to go “in person” to various banks and manually fill in the lengthy loan application form and wait endlessly for the money to get transferred to his account. Online secured loans, thus, come really handy to those in need of quick money. Though these loans can in no way be quicker than the unsecured loans, the web medium has indeed made their processing swifter than before.

    Online secured loans give the borrowers ample opportunity to search for and compare various deals offered by different lenders. Some of the web tools that are of great help to the borrowers are discussed below:

    Online Loan calculators- These help you to search compare and find the cheapest loan deals to save you money. Just by entering a few details like the amount desired to be borrowed, the loan tenure, etc. you get an approximate EMI (equated monthly instalment) you’ll be paying at a certain rate of interest. Loan calculators help in giving borrowers a tentative idea about the loan instalments. It is a handy tool to help you decide which loan deal to choose.

    Online Credit reports- Though secured loans are dependent on the value of home equity, the credit score of the borrower is also important in getting him a cheap deal. To find out your credit score on your own, enter your financial details on sites that offer free credit score and reports. These online reports help a lot in assessing one’s credit status. Online credit reports carry the person’s detailed credit history relating to repayment record, defaults, CCJs etc. Experian and Checkmyfile are two of the websites that offer credit checks and reports free of cost.

    Online Comparison charts- Many of the financial websites offer comparison charts that compare loan deals offered by various lenders on the basis of the APR charged. This helps the borrower in deciding as to which loan deal to go for. Especially in case of secured loans, cheap rate of interest can be availed with other added benefits like flexible repayment options. So, it’s always advisable to take the help of an online comparison chart. This saves the energy, time and effort otherwise spent in shopping around the loan market.

    Loan advice and alerts- Many websites provide you timely alerts about changes in the UK loan market. They also advice you if you call them. These sites offer loan help lines and loan consultants. And the amazing thing is that many of these sites offer these services for free. So, you can remain updated on changes in secured loans and the interest rates etc. for free by registering to one of these sites.

    So, availing secured loans is no longer a daunting task with the advancement of online media. Let’s see how the process of online secured loans works.

    Application Stage- This takes a few minutes as most of the online applications are simple and short. Once the borrower fills the online application form for secured loans by entering a few vital details the loan-officer of the lending institution calls him for other verification.

    Approval stage- Once the credit check is done by the loan-officer, the underwriters offer the customer varied deals on online secured loans in accordance to the credit profile and financial requirements of the borrower. The loan amount offered on secured loans is decided on the basis of the property evaluation carried on the lender.

    Disbursal Stage- Once the borrower agrees for a particular loan deal, the amount is transferred into his account. Thus, in three simple steps the secured loans are processed.

    The Best Android Apps For Students

    The electricity of Android lies in its apps, and in recent times, there’s almost an app for every hobby. One can locate thousands and thousands of apps in the Google Play Store, ranging from media, tools, shopping, to simple housekeeping. And as maximum of our daily necessity and pastime get mingled with these tons of digital apps, we can not have enough money to get unhooked from our valuable Android tool. For the beyond few years, even a scholar’s existence is metamorphosing into lots less complicated, more secure, and more amusing protecting the palms of these android apps. Following are some of the satisfactory android apps helping out the students of their every day activities from waking up inside the morning to taking notes.

    Taking Notes
    Nowadays, it’s far difficult to find a college or university scholar who doesn’t use a mobile or pill. Students, commonly carry those gadgets along side them wherever they pass. In that case, the digital be aware-taking programs like Google Keep, OneNote, Evernote, FiiNote, and many others., have come to be the most convenient way of taking notes, and are growing speedy in popularity a number of the students.

    Capturing the Lecture
    Even a few years again, whilst attending a lecture or seminar, a scholar had no desire but writing down all of the essential information on the notepad. And now, there’s a few beneficial and incredible lecture recording apps obtainable, assisting out the students to record the complete lecture. So, stay tuned with the advanced nice Android apps like Lecture Recordings, Audio Recorder, Easy Voice Recorder, and so on.

    Revision
    In this era of superior generation, the revision app seemed to be the large business of excessive opportunity. Because of the Android packages, the scholars now do not forget revising the lesson as a amusing-like pastime, in place of a tiresome burden. Gozimo, Quizlet, My Study Life, Quick Recall, and so on. Are a number of the main best Android apps for revision.

    Student Planner Apps
    The scholar planner android apps are rising at the pedestal of popularity, supporting out the students in organizing their pastime, sending signals and reminders concerning their lesson, homework, exam, and such different matters. Student Planner, Student Schedule, My Study Life are some of the official and famous student planner apps that come with a timetable.