#i work in professional liability insurance

[thatmartiangirl]

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

[johnbleepingzoidberg]

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

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

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

(A/N under the cut)

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

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

[nananarc]

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

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

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

.

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

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

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

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

.

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

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

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

.

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

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

[brehaaorgana]

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

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

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

This is part of the email they sent:

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

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

I'll lay it out!

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

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

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

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

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

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

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

[religion-is-a-mental-illness]

By: Eliza Mondegreen

Published: Sept 12, 2023

First comes the pushback, then the pullback. 

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

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

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

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

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

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

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

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

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

==

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

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

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

[rebeccathenaturalist]

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

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

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

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

(Reblogs welcome and appreciated!)

[dreamingofbabylon]

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

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

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

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

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

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

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

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

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

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

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

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

[mddeck]

Deck Builders in Poolesville MD | MD Deck

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

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

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qmDmZPbEft7D8v

[inconvenient-sneezes]

Hm, if you feel inspired, maybe a cold-ridden Bucky and a partner with the kink? Or even just a partner thinking how absolutely adorable he is when he’s sneezing and his nose is all red and sniffly

yes, of COURSE!!! sorry for the delay — was swamped at work and logged off for a few days. i feel like i'm always apologizing for that... i really need to be more consistent, but thank you so much for your patience.

here's some miserable bucky + (sorta) kink!steve. this'll take place maybe in the late ’30s/early ’40s.

distant | weed | fuss | struggle | couple | professional | remember | nap | abundant | objective | wrong | discreet | gift | stay | collapse | cabin | practical | defend | haunt | indoor | rhythm | ankle | incentive | healthy | steam | anger | bond | text | correction | visible | guess | cinema | maze | contrary | observer | nuance | neglect | lip | reflection | sniff | authority | illusion | echo | medicine | lace | insurance | knit | dealer | grudge | affair | sofa | expertise | passion | spill | laundry | exposure | shelter | privilege | manner | relax | compromise | sacred | doubt | philosophy | thaw | ticket | bike | bench | vain | bed | improvement | pier | gravity | immune | vigorous | productive | reception | veil | bee | train | harsh | loyalty | fresh | late | mind | highway | sound | frozen | annual | soup | instinct | groan | lonely | spite | bill | crude | dare | magazine | mess | ignore | sketch | flush | liability | camp | brag | sour | compensation

***

prompt(s): sketch

***

“Do you really have to do that now?” Bucky asked, sniffling. He straightened up, attempting to look a little less pathetic.

Steve was sitting across from Bucky’s bed, diligently studying and sketching his figure. “Well, I have to keep practicing if I ever want to be good.”

“H-hang on,” Bucky wheezed, nostrils flaring. “G-gonna— hh’TSHHHHOO!”

Steve continued to study him, watching the entire spectacle. Bucky was gearing up for another sneeze, and Steve was shamelessly watching.

He scrutinized his every move. Bucky’s eyelashes fluttered as he gasped, hitching his way to the next sneeze. The way his mouth stretched into an almost-yawn. And finally...

“H-hihH! Hih’RRRUSHHHHOO!”

Bucky shook his head and blearily opened his eyes to find Steve staring.

He groaned, sniffling thickly. “Were you watchig be?”

Steve blushed, suddenly pretending to erase a section of the sketch. “I’m sorry, I just... I mean, I’m supposed to be drawing you and—”

“Id’s jusd embarassig. I bean, you cad barely understand be.”

For whatever reason, Steve’s stomach flip-flopped at the sound of Bucky’s voice.

“Aw, don't be embarrassed. I think you—” He stopped, unsure of what he was going to say. Unsure of why he had this funny feeling every time Bucky scrubbed at his nose.

“Anyway, I appreciate you letting me bother you for a bit.”

“Id’s doe bother. I’b trabbed here in by roomb adyway.” His upper lip curled and his chest caught as the impending sneeze blossomed. “F-for fucg’s s-sake.”

He ducked into his cupped hands with a wet-sounding pair of sneezes. “H-huh’HURESSSSHHHOO! HahH! Hah’TSHHHHUH!”

Bucky groaned, in between desperate sniffles and the merciless scrubbing at his nose with his palm.

Steve was transfixed. Why did he think Bucky’s sneezes were... enjoyable?

He shivered and turned back to his sketch, ignoring the thrill he was feeling. Focus on the sketch. Focus on the sketch.

***

request some stuff/give me feedback!!

read more stucky stuff!!

ask me about my commissions!!

[mightyflamethrower]

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[musicinsurancecompany]

Be Financially-Safe During Unforeseen Events with Music Dealer Insurance

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

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

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

Some simple yet tricky questions to answer!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[lovethesagefan]

SNAKE BIT!!!

The term "snake bit" is a term I like to use when I get tricked (sounds better than suckered) into doing something I ordinarily wouldn't do. For example, at Flynt, I got talked into being the United Way Fund Raiser Lead for FMS. Well for two years, we were the highest contributing school in the district. Nobody talked about how I had to hound people, after giving a speech for the ages at a faculty meeting, to become number 1. Or one day at North Clayton High School, I arrive and as I was signing in, I was met by my department chair who casually asked, "Don't you want to coach the Mock Trial team?" I didn't know what a Mock Trial team was, but I had visions of the coach on the sideline urging his team to victory. In both cases, being snake bit wasn't fatal. In fact, in the latter, it wasn't bad cause the many wonderful students I had the opportunity to work with as well as meeting coaches from other schools as well as lawyers. Sue me! I got lawyers on my speed dial. I never thought I would have to worry about being snake bit ever again...until now!

My current gig as Long Term Sub gives me most of the rights of a teacher without the benefits, like pay. I don't worry so much about lesson plans, but I still have to go to meetings. I am not able to join either of the two professional organization and take advantage of liability insurance. As a teacher, that is a necessity.

On Friday, I was asked to think of some ideas for a student council. I said "yes." Snake bit!! I worked over the weekend, something I haven't done in 5 years looking for info on how to sponsor a student council. When I submitted the proposal, I purposely not volunteered to carry out the proposal. Today, I was presented with reasons why I need to carry out this plan. Remember I am not a true teacher. So to work around that, there will be two "faces of the group" while I am actually the driver of the vehicle. Later during the day, I just inquire about Social Studies Fair dates. Same logical reasons why I need to be in charge. Snake bit again!!

I previously mentioned that I come to believe there is a reason why I am there. I didn't think it was for this. Social Studies is my passion. Working with young people is my passion. I am working with a clientele which I am not familiar with other than the high homeless populace. I have observed several issues which leads to several deficits in the school. I am not a educational guru. I am not expert. I just have thoughts.

So snake bitten twice in one day, with my two associates (my unofficial mentees), I am to create a student council and engage in teachers and get them to buy into a Social Studies Fair not knowing if I would qualify for any stipends if offered. Did I mention I am a LT Sub. I sit an wonder why I put off this aura of intelligence. I just work harder to hide my shortcomings. This is what happens when you can't say no without feeling like you are hurting students. I believe students need this. if no one else will do it, I guess all I can do is pray that God gives me the strength and guidance and find whatever people put on snake bites, other than pee...or is that scorpion stings? Oh well. This will be interesting. Stay tune.

[affordablehomeservices]

How to Choose the Perfect Residential Cleaning Service in Halethorpe for Your Home

A clean home is essential for a healthy and comfortable lifestyle but finding the right residential cleaning service can be overwhelming. With so many options available in Halethorpe, how do you know which one will meet your needs? Whether you’re looking for a regular cleaning routine or a one-time deep clean, choosing the perfect cleaning service is key to getting the results you want. Here’s a step-by-step guide to help you make the right choice.

1. Determine Your Cleaning Needs

Before starting your search, it's important to know exactly what you're looking for in a cleaning service. Ask yourself:

Do you need weekly, bi-weekly, or monthly cleaning?

Are you looking for a basic cleaning or something more thorough like a deep clean or move-out service?

Do you have any specific areas of your home that require special attention?

Being clear about your cleaning needs will help you filter out companies that don’t offer the specific services you require.

2. Research Local Companies

Once you have a good idea of your cleaning needs, it’s time to look for residential cleaning companies in Halethorpe. Start by:

Searching online for reviews and ratings on Google, Yelp, and Facebook.

Asking friends, family, or neighbors for recommendations.

Checking the company’s website for detailed information about their services, pricing, and policies.

Look for companies with a solid reputation and positive reviews from satisfied customers.

3. Check for Proper Licensing and Insurance

One of the most important factors in choosing a cleaning service in Halethorpe is ensuring the company is licensed and insured. A licensed cleaning service demonstrates professionalism and adherence to local regulations, while insurance protects you from liability in case of accidents or damage. Never hire a company that isn’t fully insured—it’s not worth the risk.

4. Ask About Their Cleaning Products and Methods

Different cleaning services use different products and methods. If you have allergies, pets, or children, it’s important to find a company that uses safe, non-toxic, and eco-friendly cleaning supplies. Don’t hesitate to ask:

Do you use green cleaning products?

Are your cleaning methods safe for pets and children?

Can I request specific products or bring my own?

A good company will be happy to accommodate your needs.

5. Look for Flexible Scheduling

The best cleaning service is one that works around your schedule. Whether you need an early morning cleaning before work or a weekend service, the company should be flexible enough to accommodate your preferred time. Many companies offer online booking systems, making it easier to schedule services at your convenience.

6. Request a Quote

Once you’ve narrowed down your options, request quotes from at least three different cleaning companies in Halethorpe. Be clear about the size of your home, the type of cleaning you need, and any special requests. This will help the companies provide accurate pricing. When comparing quotes, keep in mind:

Are there any hidden fees?

Is the pricing flat-rate or hourly?

Does the service include taxes and supplies?

Don't just choose the cheapest option. Instead, focus on value—quality service at a fair price.

7. Ask for a Trial Run

Before committing to a long-term contract, consider booking a one-time cleaning to see how well the service performs. A trial run will allow you to evaluate the company's punctuality, professionalism, and quality of work. After the cleaning, ask yourself:

Did they meet or exceed your expectations?

Were they respectful of your home and belongings?

Did they complete the job efficiently?

If you’re satisfied with the trial cleaning, you can feel confident about hiring them for regular service.

8. Review Their Customer Service

A great cleaning service doesn’t only focus on cleaning; they also provide excellent customer service. Pay attention to how responsive the company is to your inquiries, whether they are polite, and how they handle any concerns or issues that arise. A company that values its customers will work hard to ensure you’re happy with their service.

9. Consider Long-Term Contracts and Discounts

If you’re happy with the service and plan to use them regularly, ask about long-term contracts and discounts. Many cleaning companies offer discounted rates for repeat customers or those who sign up for ongoing cleaning packages. Just make sure you’re comfortable with their service before committing to a long-term agreement.

10. Evaluate Their COVID-19 Protocols

Given the importance of hygiene and safety, it’s crucial to ask about the cleaning company’s COVID-19 protocols. Inquire about:

The use of PPE (personal protective equipment) by the cleaning staff.

Disinfection practices for high-touch surfaces.

Procedures for staff members who are feeling unwell.

A responsible company will prioritize your safety and take appropriate measures to protect both their employees and customers.

Conclusion

Finding the perfect residential cleaning service in Halethorpe requires a bit of research and careful consideration, but the reward is a spotless, well-maintained home without the hassle. By following these steps, you can confidently choose a cleaning service that meets your needs, fits your schedule, and provides quality results. Whether you’re looking for a one-time clean or a long-term partnership, investing in the right cleaning service will help you keep your home clean and fresh year-round.

📞Contact us at +1 443-794-0450

🌐 https://affordablehomesvcs.com/

Email: info@affordablehomesvcs.com

[worldbestblogs1]

How Do I Choose Reliable Office Movers and Packers in Dubai?

Relocating an office can be an overwhelming task. Whether it's a small workspace or a large corporate headquarters, moving comes with a unique set of challenges. However, hiring the right office movers and packers in Dubai can significantly ease the burden. But how do you choose the best professionals for the job? In this guide, we'll walk you through the critical factors to consider when selecting reliable office movers and packers in Dubai to ensure a smooth and efficient move.

Why You Need Professional Office Movers and Packers

Office relocation involves more than just packing boxes. You need to ensure that everything—from sensitive documents to heavy equipment—arrives safely at the new location. Professional office movers and packers in Dubai specialize in organizing and executing these moves efficiently. They bring expertise, equipment, and trained personnel to make the transition seamless. Here are some key reasons why hiring professionals is a smart move:

Minimized downtime: A well-organized move reduces the time your office operations are disrupted.

Safety: They have the right packing materials and techniques to protect your assets.

Insurance: Reliable movers provide insurance, protecting you against potential damages.

Experience: With their vast experience, they know how to handle various office items, including delicate and expensive equipment.

Factors to Consider When Choosing Office Movers and Packers in Dubai

Now that you know the importance of hiring professional movers, how do you select the best ones? Here’s what you should look for when choosing office movers and packers in Dubai:

1. Experience in Office Relocations

Not all moving companies specialize in office relocations. Moving a home is vastly different from moving a business. For instance, the movers must be familiar with handling office furniture, IT equipment, documents, and other business-related items. Look for office movers and packers in Dubai with proven experience in handling commercial moves.

Ask how many office moves they have completed.

Check their portfolio or case studies if available.

Look for testimonials from businesses they have worked with.

2. Positive Customer Reviews and Testimonials

Customer reviews are a great way to gauge the reliability of office movers and packers in Dubai. Visit online review platforms like Google, Facebook, and Yelp to see what other businesses have to say. A moving company with a solid reputation will have plenty of positive reviews.

Pay attention to the consistency of their feedback.

Are customers satisfied with their timeliness, professionalism, and care with office assets?

Were any issues resolved quickly and efficiently?

Positive testimonials can give you confidence that you’re hiring the right team.

3. Licensing and Insurance

Before hiring any office movers and packers in Dubai, make sure they are licensed and insured. Licensing ensures the company is recognized by the relevant authorities, and insurance protects your assets in case of any mishaps during the move. Dubai’s professional moving companies should offer both liability and cargo insurance, which covers your office items in transit.

Confirm the type of insurance coverage offered.

Check if the company’s license is up-to-date and valid.

Having these protections in place adds an extra layer of trust and security to your move.

4. Comprehensive Services Offered

The more comprehensive the services offered, the smoother your relocation will be. Reliable office movers and packers in Dubai should provide a wide range of services that cover all aspects of the move. These services may include:

Packing and unpacking: They should offer full-service packing to ensure your items are properly secured.

Disassembly and reassembly: If your office furniture or equipment requires disassembly, the movers should have the expertise to handle it.

IT infrastructure handling: Your computers, servers, and other IT assets require careful handling, so choose movers with experience in this area.

Storage services: If there’s a gap between your move-out and move-in dates, check if they offer short-term or long-term storage.

A company that provides end-to-end moving services ensures you won’t have to hire multiple vendors, saving you both time and money.

5. Customized Moving Plans

Every office is different, and so are their moving requirements. A one-size-fits-all approach won’t cut it when relocating an office. The best office movers and packers in Dubai will create customized moving plans based on your specific needs.

Do they take the time to assess your office and understand the scope of your move?

Are they willing to adjust the plan to fit your timeline and budget?

Can they handle last-minute changes or unforeseen complications?

Customized services ensure that the move is tailored to your business, which reduces the likelihood of mistakes.

6. Transparent Pricing

Nobody likes surprise costs at the end of a move. Reliable office movers and packers in Dubai will provide a clear and transparent estimate upfront. Make sure you ask for a detailed quote that outlines all the costs, from packing materials to labor and transportation.

Is the quote comprehensive, including all services?

Are there any potential additional charges, such as for overtime or delays?

Are taxes, insurance, and fees included?

Clear communication about pricing can prevent misunderstandings and ensure your relocation stays within budget.

7. Availability and Flexibility

Business schedules can be unpredictable, and office moves may require last-minute changes. Look for office movers and packers in Dubai who are flexible with their schedules and can accommodate your business needs. Whether you need to move over the weekend or after regular business hours, the movers should be able to adjust accordingly.

Can they work around your business hours to minimize downtime?

Are they available to start at short notice?

Can they accommodate changes in the move date or time?

Flexibility is key to ensuring a hassle-free office relocation.

8. Equipment and Vehicles

Moving an office requires specialized equipment, especially for large or delicate items like servers, printers, and heavy furniture. Reliable office movers and packers in Dubai will have the right equipment and vehicles to handle your move efficiently.

Do they use modern and well-maintained vehicles?

Do they have the necessary tools for disassembling furniture or safely moving heavy items?

Are the trucks equipped to handle sensitive equipment like electronics?

Having the right equipment ensures the safety of your office items during the move.

9. Excellent Customer Service

From the initial consultation to the final delivery, your experience with the office movers and packers in Dubai should be positive. Excellent customer service ensures that your queries are answered promptly, and any issues are resolved quickly.

How quickly do they respond to inquiries?

Are they professional and courteous in their communication?

Do they provide updates during the move?

A company with top-notch customer service will keep you informed and confident throughout the entire moving process.

10. Sustainability Practices

In today’s environmentally-conscious world, it’s worth considering whether the office movers and packers in Dubai follow eco-friendly practices. Some movers use recycled packing materials, energy-efficient vehicles, and green moving techniques. Choosing a company that prioritizes sustainability can be a great way to reduce your environmental impact.

Do they use recyclable or reusable packing materials?

Are their vehicles energy-efficient?

Do they have eco-friendly practices in place?

By opting for movers who care about the environment, you’re not only helping the planet but also aligning your business with responsible practices.

Questions to Ask Your Office Movers and Packers in Dubai

Once you’ve shortlisted a few companies, it’s important to ask the right questions to ensure you’re making the right choice. Here are some key questions to ask:

How many office relocations have you completed?

Can you provide references from previous business clients?

What steps do you take to protect sensitive equipment like computers and servers?

What insurance coverage do you offer, and what does it include?

Can you provide a detailed breakdown of costs?

How do you handle unforeseen delays or complications during the move?

Asking these questions will give you a clear understanding of the company’s capabilities and professionalism.

Conclusion

Choosing reliable office movers and packers in Dubai is essential for a successful relocation. By considering factors like experience, customer reviews, licensing, and pricing, you can find a moving company that meets your needs. Whether you’re relocating a small startup or a large corporate office, the right movers will ensure a smooth, efficient, and stress-free move. Remember, a successful office relocation can set the tone for a fresh start in your new workspace, so don’t rush the decision. Take the time to research and hire the best professionals for the job.

[gabicna]

Secure Your Future: A Comprehensive Guide to CNA Nursing Insurance

Title: Protect Your Future: ⁢A Comprehensive Guide to CNA Nursing Insurance

Introduction: As a Certified Nursing Assistant‍ (CNA), you play a ‍vital role in ‍the healthcare industry by providing essential care‍ and support to patients. However, working in a high-stress environment like healthcare​ comes with its own set of risks. ​That’s ⁢why it’s crucial to protect your future by investing in CNA nursing ⁣insurance. ​In‍ this comprehensive guide, we will explore ⁢the importance of CNA nursing ​insurance, the benefits ‍it provides,‍ and practical‌ tips for​ selecting the‌ right‍ policy to safeguard your career and financial well-being.

What ​is CNA Nursing ‌Insurance? CNA nursing insurance is a type of professional liability insurance designed specifically for Certified Nursing Assistants. ‍This ‍insurance provides coverage in ⁤case you are sued for malpractice, negligence, or other professional‌ mistakes while performing your duties as a CNA. Without insurance, a lawsuit could jeopardize your ‍career, reputation, and ⁤financial stability.

Benefits of⁤ CNA ‍Nursing Insurance: 1. Legal‌ Protection: CNA nursing‍ insurance offers legal⁣ defense coverage⁢ in the event of ​a lawsuit, ​including court costs, attorney fees, and settlements. 2. ‌Financial Security: Insurance coverage can help protect your personal assets from being seized to cover legal expenses. 3. Peace of Mind: Knowing that ⁤you have insurance in​ place can provide‍ peace of mind and allow you ​to focus on providing quality care to your patients.

Practical Tips for Selecting CNA Nursing Insurance: 1. Research Providers: Compare options from different insurance providers to find‌ a policy that fits your needs‌ and budget. 2. Coverage ​Limits: Make sure the policy offers adequate coverage limits ⁣to protect ​you in the event of ​a lawsuit. 3. Additional Coverage: Consider additional coverage options like general ⁢liability insurance or cyber liability insurance​ for comprehensive protection. 4. Read ‍the Fine Print: Carefully review the policy details, including ‍exclusions and limitations, to understand what is covered. 5. Consult a Professional: If you’re ⁤unsure about which policy to choose, consider consulting⁢ a licensed insurance agent who specializes in‍ healthcare professional liability insurance.

Case Study: Sarah, a dedicated CNA with‌ over five years ‌of experience, found herself facing a lawsuit from a patient’s⁣ family alleging negligence in her care. Thanks to her CNA ⁤nursing ⁢insurance,⁤ Sarah had the legal ⁢and financial protection she needed to defend herself ⁣in court. ​The insurance covered her legal fees and ultimately helped her avoid a potentially devastating financial loss.

Firsthand Experience: “I​ never thought I would need insurance as a CNA, but after‌ seeing a‌ colleague face a lawsuit, ‍I knew I‌ had to‌ protect myself. Investing in CNA nursing insurance was one ‍of the best decisions I’ve made⁢ for my career and​ peace of mind.” – Emily, Certified Nursing Assistant

Conclusion: CNA nursing insurance is a valuable investment⁢ that can protect your future and provide peace of mind ⁢as you navigate the challenges of the healthcare industry. By understanding the importance of insurance, exploring the benefits it offers,⁢ and following⁣ practical tips for‌ selecting the right policy, ⁢you can safeguard your career and financial well-being. Don’t wait until it’s too ⁣late – get the protection you need today to ensure a secure and successful future as a CNA.

Remember, insurance is like a safety net – you⁣ hope you never ⁣have to⁣ use it, but you’ll be grateful it’s there if you do. ‌Protect your‌ future‍ with CNA nursing insurance and focus on what ⁢matters‌ most⁤ – providing quality ‍care to ⁣your patients.

https://cnatrainingprogram.net/secure-your-future-a-comprehensive-guide-to-cna-nursing-insurance/

[simivalleyelectrician]

How Do I Find a Licensed Electrician in Simi Valley?

Finding a trustworthy and licensed electrician in Simi Valley can feel like a daunting task, especially when safety and quality are top priorities. But with the right approach, you can ensure that the professional you hire is not only qualified but also a good fit for your specific needs. In this guide, we’ll walk you through the steps to find a licensed electrician in Simi Valley, ensuring you make a well-informed decision.

Why It’s Crucial to Hire a Licensed Electrician Before diving into the “how,” let’s briefly discuss the “why.” Hiring a licensed electrician isn’t just about compliance with the law—it’s about ensuring the safety of your home or business. Licensed electricians have undergone extensive training, passed rigorous exams, and adhere to state regulations, reducing the risk of electrical hazards such as fires or electrocution. In California, electricians must meet specific licensing requirements to legally perform electrical work, which means a licensed electrician in Simi Valley is qualified to handle your electrical needs safely and professionally.

Steps to Find a Licensed Electrician in Simi Valley 1. Start with a Thorough Online Search The internet is a great place to start when searching for an electrician in Simi Valley. Use search engines to find local electricians, and don’t forget to check out online directories like Yelp, Angie’s List, or Google My Business. Pay attention to customer reviews, ratings, and how companies respond to feedback. This will give you a good sense of their reputation and customer service.

2. Verify Their License Once you’ve shortlisted a few electricians, it’s time to verify their credentials. In California, you can check an electrician’s license status through the Department of Consumer Affairs Contractors State License Board (CSLB) website. Simply enter the contractor’s license number, business name, or personnel name to confirm that they are properly licensed and in good standing.

3. Ask for Recommendations Sometimes, word of mouth is the most reliable way to find a skilled electrician. Ask friends, family, neighbors, or colleagues if they can recommend a licensed electrician in Simi Valley. Personal experiences can give you insight into the quality of work and customer service you might expect.

4. Get Multiple Estimates Don’t settle for the first quote you receive. It’s wise to get estimates from at least three different electricians. This not only gives you an idea of the going rate for your particular job but also allows you to compare services, warranties, and timelines. Remember, the cheapest option isn’t always the best—consider the electrician’s experience, reputation, and the details included in their estimate.

5. Check for Insurance and Bonding A reputable licensed electrician should carry liability insurance and be bonded. This protects you in case something goes wrong during the job. Ask the electrician to provide proof of insurance and bonding, and make sure it’s up to date.

6. Evaluate Their Experience and Specialization Not all electricians are the same—some specialize in residential work, while others might focus on commercial or industrial projects. Depending on your needs, you should choose an electrician with relevant experience. For example, if you’re upgrading your home’s electrical panel, you’ll want someone who has done similar work in the past.

7. Ask About Permits and Inspections Certain electrical jobs may require permits and inspections, especially if they involve significant alterations to your electrical system. A licensed electrician in Simi Valley should be familiar with local codes and be willing to pull the necessary permits and coordinate inspections. This ensures that the work is done according to code and passes all required safety checks.

8. Assess Communication and Professionalism From your first interaction, pay attention to how the electrician communicates. Are they responsive? Do they take the time to explain your options and answer your questions? Good communication is key to a successful working relationship, so choose an electrician who is professional, courteous, and transparent.

9. Look for Warranties and Guarantees A confident electrician stands by their work. Ask if they offer warranties or guarantees on their services. This adds an extra layer of protection for you and shows that the electrician is committed to delivering quality work.

Red Flags to Watch Out For While searching for a licensed electrician in Simi Valley, be mindful of potential red flags:

Unusually low estimates: If a quote seems too good to be true, it probably is. Lowball estimates may indicate subpar work or hidden fees. Lack of proper documentation: A licensed electrician should have no problem providing proof of their license, insurance, and bonding. If they hesitate or refuse, consider it a red flag. Negative reviews: While it’s normal for any business to have a few bad reviews, a pattern of complaints should raise concerns. Conclusion Finding a licensed electrician in Simi Valley doesn’t have to be a stressful experience. By following these steps—conducting thorough research, verifying credentials, getting multiple estimates, and evaluating professionalism—you can hire an electrician who is not only licensed and qualified but also a good fit for your specific project. Whether you’re dealing with a simple repair or a major electrical overhaul, having a licensed professional ensures the job is done safely and up to code.

Remember, the time you invest in finding the right electrician will pay off in peace of mind and quality work that stands the test of time.