Download PDF Asset Protection for Physicians and High-Risk Business Owners - 2011 and Beyond

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Dust picture frames, books, and knicknacks. Wash the windows. If you have time: Make your common space feel new by rearranging the furniture and wall art. Launder or clean window coverings. For more information about home insurance, call or contact Salerno Brokerage Corp.

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If you're a business owner, you need insurance. But how much and what type can vary greatly depending on your type of business, resources, assets and specific needs. So what should you consider before purchasing a business policy? Here are some risks and coverages you will want to take into account as you work with Salerno Brokerage Corp. Many of these coverages can be combined in a good business owner's policy.

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Whether you need a strong basic policy or specialized coverage, your insurance agent can help you find the coverages that are right for you. Whatever you do, make sure your business is fully covered before it's too late. For more information about business insurance, call or contact Salerno Brokerage Corp. Many parents rightly experience a strong anxiety when turning over the car keys to their new teen driver.

There are a several things a parent can do to make sure that the teenage driving experience is a safe one. First, teenagers need to understand that driving is a privilege, not a right. With privileges come certain responsibilities. It is best to make those responsibilities and the consequences for not meeting them as clear as possible. One way to do that is with an actual contract between parents and teenagers built around the concept of graduated licensing and restrictions for high risk situations.

The stark reality is this: teenage drivers have the highest crash rate of any age group. Not surprisingly, 16 year old drivers are most susceptible to accidents, particularly where driver error, texting or excessive speed is involved. Statistics from the Insurance Institute for Highway Safety IIHS zero in even further to point out that the most difficult period for young drivers is the first several months of driving.

The IIHS data also suggests a number of other characteristics involved with teen accidents. For instance:. Many states have enacted "graduated licensing". In these systems, driving is restricted during the first year or two until experience behind the wheel can be gained.

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Frequently, those restrictions include no night time driving and no driving on interstate or other limited access and high speed thoroughfares. Another common restriction limits the number of passengers in a vehicle unless an adult is present. Once inexperienced drivers have gained more experience, they will be better prepared for more difficult driving situations. The results, in those states and countries that have adopted graduated licensing, have been encouraging with reductions in teen crashes and fatalities. Penalties should be scaled according to the seriousness of a contract violation.

For very serious acts, revocation of driving privileges may be called for.

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For less serious violations the contract could call for additional restrictions such as permission to drive to and from school or work, only. Another consequence could be a requiring the teenager to pay some or all, of their insurance premium. In fact, you may want to schedule a meeting with your insurance agent to go over the factors that affect cost and availability of insurance before turning over the keys for the first time. Be sure your contract plans for extraordinary circumstances. For instance, what to do if your teen is unfit to drive; what to do if your teen is a passenger in a vehicle whose driver is unfit to drive.

Crashes are the leading cause of death among teenagers so you need to take an active role in protecting your child even in situations where they may not be driving. Here is a sample contract PDF to get you started. You can customize it to fit your situation. Included in the contract is a simple point system for scoring contract violations. For any car insurance questions, call or contact Salerno Brokerage Corp.

Companies like Facebook, Google, and Amazon have set up alternative work cultures, with food and exercise on site. They are regularly named some of the best places to work by their employees, and success gurus everywhere study their methods. So what can small businesses learn from these uber-successful tech giants?

And how can they implement similar ideas without breaking the bank? Here's what you need to know:.

Cash Balance Plans

According to the World Health Organization, we spend approximately one third of our lives at work. You don't have to be a genius to know that's a lot of time. Not surprisingly, companies that care about keeping employees happy during all those hours tend to do better. Happy employees are more productive, stick around longer, and benefit the bottom line more.

Fortunately, you don't have to be the CEO of Google or Facebook to make your business a great place to work. Major tech companies are serious about using data and doing what works. So don't be fooled into thinking that they've created whimsical workplaces with plenty of perks just there for the heck of it. Every lasting workplace innovation at these places is backed by data showing it works. Smaller companies can follow suit by collecting both qualitative and quantitative data on what workplace changes employees want, and which ones actually work in the long run.

So if you want to improve the culture of your business, don't leave it up to chance. Implement new ideas systematically, and pay attention to the data to find out whether they're worth it. Design the space: The design of a workplace can enhance mood, collaboration, and even boost productivity, so don't leave it up to chance. But don't assume that what works for one successful company will be right for yours, either. Arrange your space so that it supports the type of work that needs to get done.

Silicon Valley workplace culture often makes headlines because of its unusual policies or perks, but that's not actually what makes it great. Both employers and employees at these companies would tell you that what matters most is the principles behind the policies. Take steps to show your employees that their health and happiness at work matters to you, and you will have the makings of a great workplace culture, no matter what your resources.

For any business insurance questions, call or contact Salerno Brokerage Corp. Everyone experiences stress and not all of it is bad. But when stress levels stay high or become chronic, they can cause a huge variety of health issues or make existing health problems worse. Overproduction of stress hormones can damage the brain, heart, and other organs and prevent cells from functioning normally. As the Mayo Clinic explains, chronic stress impacts the body, which impacts the mood, which can impact behavior. In this way, too much stress can impact our entire lives, affecting health, relationships and our quality of living on a day to day basis.

Stress is a serious issue. Fortunately, there are many ways to reduce and deal with stress just keep going until you find the tools and strategies that will work for you. For any insurance questions, call or contact Salerno Brokerage Corp.

Asset Protection Planning - Teamwork Is Required for Success

Selling your home this summer? If so, there are some quick cosmetic fixes that can make a big difference, and starting now can help.

Should you make major repairs or improvements to your home before trying to sell? But regardless of what you choose, there are several things you can do to make your home more attractive to buyers that won't require a ton of time and money just a little of each.

For any home insurance questions, call or contact Salerno Brokerage Corp. Spring is fast approaching and for some drivers that means it's time to shop for a new car.