Archive for Business

Employment Law Vs Workers Compensation Law

As employment law and workers compensation law are both related to people and their work place it is common to use them interchangeably. But they are key distinctions between these areas of law.

Employment law deals with factors such as:

  • Discrimination: Employers cannot treat employees differently Legal billing softwareaccording to color, gender, race, religion, disabilities and origin.
  • FMLA violations: Employers with more than 15 employees must follow the FMLA regulations that basically entitles individuals to 12 weeks of unpaid leaves if the employee has certain reasons for medical conditions.
  • OSHA: Occupational safety and health administration violations are the federal safety violations when an employer neglects to shield military base employees, offshore and long shore employees, federal staff etc.
  • Harassment: This includes any behavior meant to upset or disturb an employee at work place.
  • Wage and hour disputes: These disputes include failure to pay, unpaid time and illegal distribution of tips during tips. Problems involving freelance contractors, mis-classification of employees also falls in to this employment category.
  • Retaliation: Federal laws prohibit entities from reciprocating against a person who participates in discrimination, opposes an unlawful employment practices and files a charge of discrimination.

Workers compensation laws:

  • Workers compensation provides insurance cash benefits or medical care for employees who become ill or injured as a result of their job.
  • Employers pay for this and shall the employee is not required to contribute to the cost of compensation.
  • In a workers compensation none of the parties is determined as a culprit and the amount the claimant receives is not increased by the employers fault or employees carelessness
  • However the employee loses their right to workers compensation if the injury results from his/ her intoxication from alcohol or drugs or the intent to injure self.
  • Workers compensation is specially designed to ensure that employees who are disabled or injured on the job are eliminated with the need for litigation by providing fixed monetary awards. Also they provide benefits to dependents of those employees who are killed because of work related illnesses and accidents.
  • Some laws also protect employers and workers by limiting the amount an injured worker can recover from an employer and by eliminating the liability of coworkers in most accidents.
  • Federal statutes are limited only to federal employees or workers employed in some aspect of interstate commerce.

Few laws under workers compensation act:

  • Federal employment liability act(FELA): it provides that rail roads committed in interstate commerce are responsible for injuries to their workers if they have been negligent.
  • Merchant marine act provides sea men with the protection from worker negligence as FELA provides to rail road workers.
  • The federal employment compensation act: It provides compensation for federal and non military employees. It acts covers expenses due tot disability and may require the worker to undergo job retraining. A disabled employee receives two thirds of his/ her monthly salary and may receive more amount for permanent physical injuries.
  • Black lung benefits act provides compensation for miners suffering from black lung. This act requires liable mine operators for disability payments and also establishes fund by the secretary of labor.
  • The long shore and harbor workers compensation act provides compensation to employees of private maritime employers.

The above article gives information about employment law and workers compensation act.
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Pros and Cons of Choosing Online Auto Loan Companies

Previously, people used to get their auto loans through banks and dealerships. But, recently the alternative choice for many people is the online auto loan companies, for they save their time. Online auto loans benefit people in many ways. However, there are some drawbacks associated with that. So, before you go for online auto loans, you must be aware of their pros and cons – so that it will help you later.

The pros
Easy quotes
The main benefit of online auto loan companies is – they help the people in saving lot of their time spent on going around in search of good deal to get the loan for their vehicle. Traditional method needs a lot of time to be spent on calling lenders and going through the eligibility information, but when it comes to online auto loans, this can be done by just a web input form and get all the information required for you within minutes. Many of the online companies give quotes for free of cost.

Supportive information
Along with the quotes, the buyers can get a lot of supportive information regarding how they can get the loan – the entire procedure and documents required etc. This really helps the buyers in making comparison between various online auto loan companies; and finally they can get the best deal.

Fast service
Based on the credit, your car loan will be approved. It will just take days to get the final approval of the loan, if you have good credit. Meanwhile, you will be getting a pre-approval for ex-amount of money. This means that you need to apply for the lender standards, before the final approval.

Competitive prices
In online you can go through many lenders who are competing for the business. This will help you to get the good and affordable possible rate. Many companies will be ready to give you quotes and you should at least get the best 3, which your credit score allows.

The cons
Lack of customer service
Sometimes the critical information may not be on the site through which you need to deal with the company. In such situations, you need to contact the company to get that information. But, it is not that easy to get the exact information in the virtual deals. This may make lot of difference after the deal.

Scams
There is lot of possibilities for online scams in auto loans. Some less credible companies may use your personal information which you have provided in the online for marketing and for other purposes. Sometimes they pass your information to the third-parties. So, trusted companies are very important to get the auto loans, online.

Along with these factors, you may not also know whom you are dealing with i.e., the third-parties or the real company. If it is the third-party, they may increase the interest rates of the loan without any such intention of the company.

These are some of the pros and cons of the online auto loan companies. So, be aware of all this factors and decide what to choose.
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Differences Between Armed and Unarmed Security Guards

Planning to hire a security guard for your business? Then, you need check which type of security guard suits your business. In general there are two types of security guards, one is armed and the other is unarmed. So, would you like to know the differences between the both? Then, read this article.

Armed security guards
An armed security guard is a trained guard from professional security agency or company equipped with the licensed firearms and prepared to use deadly forces when required and they have the authority to do so. If you want to hire an armed security guard, then you need to determine the following:

  • Check their qualification of the armed guards
  • Determine the contractors policy in using the weapons with respect to deadly forces
  • Consider the potentiality and the cost effectiveness of the guard
  • Determine what are the advantages and disadvantages of hiring armed security guards

Armed security guards who carry gun are more effective to deter the crime and violence than the unarmed guards. They also use this in emergency situation if necessary. But, unknowingly if you hire a unqualified guard then handling the gun by that person may lead to trouble sometimes. But, in general all the armed guards will be highly trained and hiring the one who will handle the situation is good for your business. Armed guards costs more than unarmed guards because they are highly trained.

Unarmed security guards
Unarmed security guards also carry equipments and are trained, but they are not supposed to use full force in performing their duties. They don’t use any deadly forces and they are neither desired and are not required. They too will provide the same deterrent as the armed ones but, without any risk of deadly forces.

Hiring unarmed guards is less expensive when compared to armed guards and they may incur less liability and insurance. As unarmed guards are not fully prepared to defend, these people must identify the possible situations and they should avoid that immediately. These people some times should rely on outside sources as they are not armed. Before hiring the unarmed security guards check their eligibility, training, experience and their reviews.

These are the differences between armed and unarmed security guards. So, check which type of security guards are required and hire the one who can meet the requirements of your business.
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Do’s and Don’ts of Email Marketing

Planning for email marketing? It is an inexpensive way for promoting your business to reach your customers. But, reaching through email marketing is difficult method if not planned properly. You should know what to do and what not before you start your email marketing. This helps you a lot to reach more customers and to attract them to your business. So, would you like to know the do’s and don’ts of email marketing? Then read this article.

Do’s of email marketing

  • The first and foremost thing that you need to do is, personalize all the emails of your customers and messages that you are sending. This is an effective work. Know start with formal message so that people feel good to read your message further. Personalization includes greeting, adding customers name in the subject line, including sign in your email, etc.
  • The message that you are sending to your customers should be short, simple and interactive. Short and interactive messages make you reach more to the customers because, they will have lots of messages to read and they simply ignore the messages that are long and not focused or interactive.
  • Message should also contain a link which redirects them to your website and the landing page of the particular link shouldn’t be broken and it should be direct. So, that they can know about your product or service in short period of time.
  • The subject line of your message should be simple and it should be straight forward so that people will be willing to go through the entire mail. It should also attract customers and for this you need to be creative in writing effective subject line.
  • Include call to action, and it should be relevant to the content. Email marketing is effective if you make your customers to respond to your mail. You should be creative when you are using call to action in your mails.

Don’ts of email marketing

  • Email is a good chance to attract your customers so don’t loose this chance by making grammatical or spelling mistakes in your mail. This will show that you don’t have credibility. So, take care of each and every point in your email before you send it to your customers.
  • Don’t use too many graphics because, this increase the loading time of the mail and customer feels irritated and just closes it. So, just use simple effects wherever necessary.
  • The link that you have included in the email should be working i.e., it should have a correct landing page to your website and it just should not be a page for just making payment or showing offers.
  • The main mistake most of the marketers do is, sending the emails to long list of customers at a time, this shows that the message is unsolicited and makes the customers understand that you are sending this message as a part of your advertisement campaign and they will not be willing to spend time on that.

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Differences between VPS Hosting and Cloud Server Hosting

Nowadays, apart from free, shared, VPS and dedicated hosting services, a new form of hosting called cloud server hosting has become popular. VPS and cloud hosting seems similar at first glance. But, there are a lot of differences between these two types, in many aspects. So, if you are planning to choose anyone of them for your website hosting, you must have a clear idea of the differences between these two types of hosting. So, let’s know them in brief.

Server
A VPS is a server which is divided into various portions for hosting the websites of different customers. It is same as shared hosting; but, it has its own unique characteristics. In VPS hosting, the server is big and divided into only a few portions, where the customer has great freedom to make changes in their portion of server allocation. However, cloud server is different from VPS and is a cluster of multiple servers. In cloud server, the customers using multiple servers will have more benefits such as – unlimited storage and bandwidth, load balancing etc.

Physical location
The location of VPS servers is in the data center of the host or at third-party hosting provider, whereas private cloud is owned by own data center of a business. In this case, the clouds use the hardware for a particular cloud and not shared with other users.

Flexibility
VPS offers the flexibility and freedom for the customers at very low cost. In a similar way, cloud hosting also offers more flexibility and independence with minimum cost and efficiency.

Customizationwebsite monitoring service
In VPS, you will have the ability to install a software, configure, customize and administrate your severe applications. However, you have only limited rights to access the resources and customize. But, in case of cloud hosting, it offers highly controllable and customizable environment.

Safety and security
Due to virtualization, VPS hosting is considered to be more safe and secure; and similarly cloud hosting is secure and reliable as the data tends to be stored in separate servers in different locations and data centers. You can also get round the clock customer support with cloud hosting.

Cost
VPS is significantly less costly than the private cloud; because, in VPS you will be paying only for the portion of the server you have taken. But, in order to reduce the cost of cloud hosting, you need to choose normal cloud hosting, which doesn’t designate your own server.

Scalability
Scalability with cloud is very fast, as it is designed with control panels built with fast provisioning and deployment in mind. So, it is scalable in just a few minutes; whereas, in VPS, in order to be scalable, it requires the services to be upgraded manually with the required support and resources.

These are the few differences between VPS and cloud server hosting. So, chose the type of hosting that meets your website requirements.
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