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Call us today at (717)763-7631!
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Click the image to watch what Jon says about us.
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Consumers Corner
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It's Not Too Late For 2008 Retirement Plans
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Just because 2008 is over you can still impact your 2008 tax situation with retirement
plan contributions. Check out the tidbits below you may not be aware of. They could
be helpful to you or to someone you love.
More...
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Eight
Annuity Myths Exposed!
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A new report reveals annuity critics are often biased and incorrect in their perceptions
of annuities. While annuities have played a crucial role in retirement planning
throughout most of the last century, this latest account reveals that the
average consumer is now ten times more likely to be fed information designed to
discourage annuity purchase rather than encourage it. Unlike other investments, annuities are designed to provide a reasonable rate of growth while preventing the loss of principal. More...
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Bad Economy
Makes Business Owners Targets of Employee Lawsuits
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It’s no surprise that when the economy takes a nose dive, people get extremely anxious
about money. And what do we do in this country when we are low on cash?
That’s right, WE SUE! All of a sudden seemingly normal people start paying closer attention to all those lawyer ads on TV. After all, somebody must be responsible for this. Since most lawyers know that suing the government is a big waste of time (and money), who is the most logical choice? Why employers, of course.
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The
Top 6 Workers Comp Insider Secrets
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For most organizations, employee related costs are one of the biggest drains on
the bottom line. And workers compensation insurance is often the main drain. Unlike the price of gas, however, understanding these six workers compensation insurance industry secrets can help owners and managers aggressively control these costs. So what are they?
More...
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The Not So Independant Contractor |
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Employers who willfully choose not to
carry workers comp on
their employees are
subject to both criminal
and civil penalties.
The employer also loses
its immunity from
employee initiated
lawsuits. All in all,
the downside of
non-compliance is
generally unpleasant
enough to get most
organizations to comply.
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Using “Illegal” Subcontractors Makes You a Target for Prosecution |
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Of all the employment
issues we advise our
clients on, the subject
of proper hiring
practices is becoming
more and more critical.
Just the other day in
Des Moines, Iowa, 390
people were arrested for
immigration violations
at a meatpacking
plant. According to
ICE (US Immigration and
Customs Enforcement)
this was the largest
workplace raid in US
history. The Associated
Press reports that the
raid was aimed at
seeking evidence of
identity theft, stolen
Social Security numbers,
and people who are in
the country illegally.
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Home Improvements
Let’s say you add a sunroom to the back of your house but never tell your insurance
company. A year later the house burns down. The insurance company will pay for damage to the rest of your house but not your sunroom. OUCH! You must notify your agent or your insurance company if you make ANY improvements or changes to your home in excess of $5000.
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Pests
Not knowing that your homeowners policy doesn’t cover damage caused by pests can
really come back to bite you! Squirrels, for example, can cause extensive damage if they get inside your home. Your best bet is to prevent such occurrences by retaining a reputable pest control company.
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Earthquakes
Never considered earth-
quake insurance? Neither did most of the folks in
Indiana who
probably thought it wouldn’t happen to them.
Earthquakes can happen anywhere. Please be aware
that your Home-owners policy does not cover damage
caused by an earthquake unless you add the
earthquake endorsement. Please call us to discuss
this important coverage. |
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How to get Your Car Stolen in One Easy Step
According to
this article in the Patriot News, car thieves specifically look for unattended
cars with the keys left in them. Is that really a surprise?
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Lawsuit Protection Planning
Introducing our newly developed Lawsuit Protection Planning Worksheet. We developed
this form so you can make sure your insurance program is keeping up with your lifestyle.
Take charge and make sure your stuff REMAINS your stuff! View the
video and complete the
worksheet.
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Who will pay for your Long Term Care?
Misperceptions abound regarding the need for a plan
and who ultimately benefits from proper planning
according the
experts.
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Buy or Lease
It’s hard enough to decide what kind of car best
fits your needs and budget. Then you have to decide
how you’re going to pay for it. I found this
tool by SmartMoney.com to be pretty helpful.
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