Monday 26 February 2024
USD/CAD Analysis
Monday 18 September 2023
Saturday 5 August 2023
Roboforex Review
Thursday 23 February 2023
The Ultimate Guide to Digital Marketing: Strategies and Techniques for Success
Digital marketing is an ever-evolving field that requires a deep understanding of the latest trends, strategies, and techniques. Whether you're a seasoned marketer or just getting started, this ultimate guide to digital marketing will provide you with the knowledge and tools you need to succeed.
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Define your target audience: The first step in any successful digital marketing strategy is to define your target audience. Understand their needs, preferences, and behaviors, and use this information to tailor your marketing messages and campaigns.
Develop a content marketing strategy: Content is the cornerstone of any successful digital marketing strategy. Develop a content marketing strategy that provides value to your target audience and positions you as an authority in your niche.
Use search engine optimization (SEO): SEO is a critical component of any digital marketing strategy. Optimize your website and content to rank higher in search engine results pages (SERPs) and drive organic traffic to your website.
Leverage social media marketing: Social media platforms are powerful tools for reaching and engaging with your target audience. Develop a social media marketing strategy that focuses on the platforms that your target audience uses the most.
Utilize email marketing: Email marketing is a highly effective way to nurture leads and engage with your target audience. Develop an email marketing strategy that provides value to your subscribers and encourages them to take action.
Implement pay-per-click (PPC) advertising: PPC advertising can be an effective way to drive targeted traffic to your website and increase conversions. Develop a PPC advertising strategy that aligns with your overall marketing goals and budget.
Track and analyze your results: The key to any successful digital marketing strategy is to continually track and analyze your results. Use analytics tools to measure the performance of your campaigns and make data-driven decisions.
In conclusion, digital marketing is a dynamic and ever-changing field that requires a deep understanding of the latest trends, strategies, and techniques. By defining your target audience, developing a content marketing strategy, using SEO, leveraging social media, utilizing email marketing, implementing PPC advertising, and tracking and analyzing your results, you can create a successful digital marketing strategy that drives results and achieves your marketing goals.
Tuesday 18 October 2022
Accident Claims
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What is an Accident Claim?
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If you or your loved one has been involved in an accident, it may be possible to make a compensation claim for the injuries and financial losses suffered as a result. A personal injury claim will be successful if we can prove that another individual or an organisation is at least partly responsible for what happened.
Reasons you might need an expert solicitor:
- If you or a loved one have been involved in a road accident as a driver, pedestrian, passenger, cyclist or motorcyclist
- If your child has been involved in a different type of accident, such as a serious playground accident or an accident at school or nursery
- If you or a loved one have been involved in an accident at work such as falling from a height, an object has fallen on you or your limb has been caught in an unguarded or defective machine
- If you or your loved one has developed an illness or disease through their work
- If you or a loved one have been involved in a different type of accident, for example a fall in a public place
Injury compensation claims
Accident at work compensation claims :
Workplace accidents in offices, construction sites, factories & military service.
Birth injury:
Pregnancy & birth injuries caused by medical mistakes and inadequate care.
Faulty product :
From machinery, gadgets and tech to out of date food, if it’s faulty it’s not your fault.
Hospital negligence claims:
Personal injury caused by malpractice or inadequate care.
Medical negligence compensation claims:
Injuries caused by clinical negligence & lack of care in NHS & private medical institutions.
NHS negligence :
Harm and injuries caused by hospital negligence, GP negligence & dental errors.
Personal injury compensation claims:
Physical and mental from repetitive strain injury, spinal injury & brain damage to PTSD.
Road traffic accident compensation claims:
Drivers & passengers in car accidents and motor cycle accidents, cyclists & pedestrians.
Slips, trips & falls:
Minor to life-changing injuries from accidents in public spaces.
Surgical negligence:
Poor outcome and injuries as a result of surgical mistakes in all types of surgeries.
Monday 17 October 2022
Home warranties
home warranty is an optional service contract that covers the cost to repair or replace an appliance or system when it breaks down over time from normal wear and tear. With a home warranty plan, you’ll enjoy peace of mind knowing that the cost of unexpected home repairs will be limited. Most often, all you’ll pay is a relatively small service fee.
- Q.
- Are home warranties worth it?
- A.
- Yes, home warranties are well worth the cost. You’ll trade costly repairs for as little as $29 per month. A home warranty is especially worthwhile in times when your budget is thin and your nerves are shot, i.e. during the holiday season or when you close on a new house. Second, don’t overlook the peace of mind you’ll feel when your major home systems and appliances are protected. And finally, the best home warranty providers give you access to a network of licensed professionals in your area. You won’t have to read plumber reviews or ask your neighbors for a referral ever again.
- Q.
- Should I get a home warranty plan?
- A.
- Yes, you should get a home warranty plan if you want to avoid paying full price for expensive home repair and replacement costs. House Method suggests home warranties to all homeowners including home buyers—especially first-time home buyers—and sellers, realtors, and rental property owners. A home warranty may not be necessary if you have a brand new house that’s still protected under a builder’s warranty or if your home is larger than 5,000 square foot.
- Q.
- How much is a one-year home warranty?
- A.
- Most home warranties cost $25–$67 per month, but we consider premiums lower than $50 to be an affordable home warranty. We found that companies that offer custom coverage or build-your-own plans are the cheapest home warranties. We’ve heard several complaints about providers raising their prices year after year. Unfortunately, this is common as the demand for home warranties increase. You can always ask if you can lock in a price at the time of signing. Sometimes home warranty companies will guarantee your rate if you pay for a three- or five-year plan. This is a large sum of money upfront, but you can usually cancel any time and receive a refund for the amount you don’t use. Ask the company about cancellation policies and fees. We’ve seen fees range from $50 to $75.
Q.
Who pays for a home warranty?
A.
Home buyers and sellers, realtors, and rental property owners can all buy a home warranty and benefit from a home protection plan. Home buyers will pay for home warranty coverage if they purchase the plan after closing. However, it’s becoming more common for the seller to pay for a one-year home warranty if they offer it as part of the home sale. Real estate agents sometimes pay for a home warranty for the seller in order to cover potential repairs that crop up while the home is listed. Realtors may also offer a home warranty to the buyers they’re representing as a kind of thank-you gift and a way to ease anxious buyers’ minds. Rental property owners can bake the cost of a home warranty into the tenant’s monthly rent.
Factors to consider before buying a warranty
Availability First, you’ll want to make sure the companies you speak with offer coverage in your state or zip code. Unfortunately, not all plans offer coverage nationwide. If you want immediate reliable coverage, be sure to check customer service hours and confirm if there is a waiting period before your coverage begins.Appliance & System AgeStart by comparing coverage options for the systems and appliances in your home that you can’t live without. It is also helpful to consider the age of the items in your home as older appliances and systems are more likely to need repair or replacement. As you consider home warranty providers, make sure they offer coverage for these most essential and older items in your home or property.
Plan Options & Add-ons If you’re only interested in protecting a few or specific appliances, look for a customizable option so you can only pay for coverage that’s worth the cost for you. Also, consider if there are extra things that you need to be covered such as a pool or spa or roof coverage. When you speak with an agent, make sure to confirm you get all of the coverage you need without paying for the things you don’t.
How to get the best home warranty deal
When you speak with a sales agent be sure to inquire about special offers and deals. Many home warranty companies offer monthly or seasonal discounts and many are willing to discount pricing if you pay upfront or commit for more than one year.
Unclaimed Assets Processes
Did you know that the government holds unclaimed assets until the rightful owners or beneficiaries reques
t them? Finding unclaimed money can be as easy as filling out some forms – digital or paper, depending on your state – from the comfort of your home. You can do a free unclaimed funds search through your state website or other government resources.
Unclaimed funds can include cash from old accounts, property, lost paychecks, and more. You may not realize you are missing any money until you complete a search. A free unclaimed money search could mean a couple of bucks or even thousands back in your pocket.
How You Can Have Unclaimed Money Without Knowing It
You may think it is not worth checking for unclaimed money if you are on top of your finances or have few assets to keep track of. But you might be surprised what an unclaimed assets search can turn up, such as overpaid balances or unknown inheritance. Some people even have unclaimed money from deceased relatives without knowing it.
Assets become “unclaimed” when the agency cannot find the owner. For example, checking and savings bank accounts become dormant – or inactive – after a period without transactions, like deposits and withdrawals. After a year or two of no activity, the bank can close the account and turn funds over to the government.
Likewise, you can conduct an unclaimed property search for unpaid wages, retirement accounts, and pensions from former employers. Former employers might transfer your 401(k) to the state if you fail to transfer the money when you switch jobs.
The most common types of unclaimed assets include the following:
- Credit balances and overpayments
- Deposits
- Dormant bank accounts
- Refunds
- Stocks, dividends, and annuities
- Taxes
- Trust distributions
- Uncashed checks
- Unclaimed insurance payments
Millions in IRS unclaimed money sits with the agency if it cannot deliver federal tax refunds or if taxpayers do not claim their funds. For instance, the IRS may send your refund to the wrong address if you fail to tell them you moved.
You can lose, forget, or otherwise overlook money. System glitches can erase contact information, organizations can close, and checks go to the wrong address. Whatever the reason, you can search for your missing money in just minutes.
Where to Search for Unclaimed Property
Each state has a government list of unclaimed assets, usually on the treasurer’s website. You may need to do an unclaimed assets search on several websites if you have lived in multiple states. Likewise, some databases are for particular asset types.
Whatever the reason, you can search for missing money on your state’s website. You may be able to use a multi-state database for some states, but not all states have this option. Each state sets its rules on how to claim assets.
For instance, some have a free unclaimed money search by Social Security number, while others only require your name. Almost all government sites allow you to search free of charge.
Some other government agencies that have unclaimed asset databases include:
- The Department of Labor for money from employers
- The Federal Deposit Insurance Corporation for funds from failed banks
- The National Credit Union Administration for unclaimed deposits
- The Pension Benefit Guaranty Corporation for retirement benefits
- The Security and Exchange Commission for money owed to investors
- HUD/FHA for mortgage insurance refunds
- National Association of Unclaimed Property Administrators for state databases
- Treasury Hunt for unclaimed U.S. securities and payments
- Veterans Affairs for VA life insurance
- U.S. Courts for unclaimed funds in bankruptcy cases
Generally, you do not need to pay anything to search for misplaced money. However, you may consider hiring a firm if you are looking for several thousands of dollars. For instance, you may need professional help to find money you inherited or lost from a business closure.
Finder firms can charge 10 to 40 percent of your claimed assets. Some firms can locate your assets before the state or federal government possesses them. You may be able to avoid paying the fee by waiting a year or two and then claiming the funds on your own. Also be very careful when interacting with a finder firm to avoid fraud or scams.
About the Unclaimed Asset Process
Most free unclaimed money search platforms are simple to use. Depending on which type of unclaimed property you are looking for, you may just need your name and some documents to prove you are the rightful owner. The claims process varies by state and agency.
The usual steps to claim assets are as follows:
- Go to the appropriate website, such as the unclaimed assets office for your state and federal agencies.
- Search for your assets by entering your personal information, like name and location. You may need to enter your Social Security number for some government databases.
- Submit required information. Once you identify your property, you may need to furnish a copy of your identification or other documents and information that prove you are the rightful owner. The agency may require notary services in some cases, such as for more than $1,000.
- Wait for claim processing, which can take around 30 to 90 days.
- Receive your payment. Most agencies mail a check for the amount of your funds.
The claims process may be different in your state. Likewise, who you are in relation to the funds can affect which information to submit. For example, you may have more paperwork or steps if you are the successor or any other claimant type besides the owner.
What to Do With Unclaimed Assets
Unexpected unclaimed property can help pay for life’s many expenses. You can cover the cost of a coffee or college, depending on the amount of your recently discovered assets. Generally, you can use the cash however you want.
Some assets may have limited options. For instance, funds from 401(k)s and IRAs may need to remain retirement funds or you risk incurring an early withdrawal tax.
Physical assets – such as jewelry or land – may also have some conditions. If you discover you are a land owner after a distant relative deeds property to you, you may owe back taxes or have other expenses. Or, you may need to talk with other owners if you own just a fraction of an asset, such as a split inheritance with your siblings.
You could cash out or continue to hold newly claimed stocks and bonds. The current value of these assets could be wildly different than when initially purchased. The value would be the amount sold if the organization or government liquified the investments.
Tips to get a cheaper car insurance rate in Canada
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Get quotes from as many insurance companies as you can.
Car insurance is mandatory in Canada, but that doesn’t mean you need to stick with your current car insurance provider or the one favoured by your family and friends.
Car insurance providers will happily offer you a quote at no charge. This way, you can get a close estimate of what you can expect to pay annually.
Don’t take our word for it: even the Financial Consumer Agency of Canada recommends applying for quotes as the first step when buying car insurance.
A licensed insurance broker can retrieve multiple quotes for you.
You can also use a rates comparison site like insuranceattorney.xyz Our network includes over 30 Canadian insurance providers. We’ll show you what rates insurance companies are willing to offer you, starting with your lowest quote.
Make sure your application is accurate.
When you apply for quotes through a broker, you want to make sure that the information you provided during the screening process is accurate.
That way, you know the rates offered to match what you’ll be charged when signing the contract.
You can expect to be asked about the following:
- Vehicle information (year purchased, make, model)
- Driver information (licensing dates, claims and convictions history)
- Discount information (interest in bundling home insurance)
Many car insurance providers and brokers offer the ability to apply online for quotes. One thing to watch out for is sites that ask too few questions.
Rethink how much insurance you really need
We’re not suggesting you skimp on insurance coverage to save some money in the immediate future. However, you could wind up adding optional insurance coverage to your policy that might not be worth the investment. For example, collision and comprehensive coverage on an older car: you could use the money you would pay for these extras and invest it into buying a new car out of pocket.
One place where many Canadians are chronically underinsured, though, is third-party liability insurance. The mandatory minimum limit in most provinces is around $200,000, whereas insurance experts recommend increasing it to at least $1 million. After all, the cost of legal expenses, decisions, and medical care have increased since the minimum limit was set.
Offer to pay for the whole year upfront
This might not be feasible if you’re a young and inexperienced driver (this group tends to pay some of the highest rates). But, if you’re a driver in your thirties or older with a clean driving and insurance record, paying for the whole year upfront will often save you some cash.
When you pay month-to-month, administrative fees are tacked onto your bill. You’re saving the car insurance provider money when you pay for the year at renewal time.
Apply for as many discounts as possible
Insurance companies offer lots of discounts. Here are some of the most common ones:
- Winter tires discount: In Ontario, you can save about 5% annually on your insurance if you keep winter tires between Nov. 1 to Apr. 1. The winter tire discount is applied at renewal time.
- Dashboard camera discounts: If the time comes to make a claim on your insurance, video footage from your dashcam will provide objective evidence, making it easier for insurance adjusters to determine fault.
- Anti-theft device: Insurance companies offer discounts for drivers who make investments to make their cars harder to steal. Insurers favour the following devices:
- Starter disablers
- GPS trackers
- Car alarms
- Steering wheel locks
You might consider using a combination of devices. Faraday bags are a must-have accessory for all cars with keyless entry: these pouches will block any signal that tries to clone your key fob.
Try usage-based insurance
This product qualifies as a discount, but it gets its own section given what a game-changer it has proven itself to be for urban drivers.
Think of it like one of those retro pay-as-you-go cell phone plans.
With usage-based insurance (UBI), you pay for a baseline number of annual kilometres, usually about 10,000 km. If you exceed that, your insurance company will charge you for every extra 1,000 km or so.
In order for the insurer to keep tabs on your mileage, you must install a monitoring device in your car.
Try telematics
Telematics is similar to UBI. It adds a layer of data collection, though. With a telematics device installed, your insurance provider will monitor your driving patterns, like your average driving and braking speeds, not just your kilometres.
You must install a monitoring device or an app on your phone to participate. It can amount to discounts in the region of 20% at renewal time plus an initial discount for signing up.
One thing to note is that insurance companies are allowed to use your data against you in Ontario. If the device detects unsafe driving, your insurer could increase your premium.
Keep insurance costs in mind when you shop for a new car
The make and model of the car you choose will determine how much you pay for insurance.
Used cars that have already depreciated in value usually command lower auto insurance rates.
Despite being older, some used cars still attract thieves. If you want to keep insurance costs down, consider checking to see if the car you’re eyeing has made it on the Insurance Bureau of Canada’s most stolen list. Cars that make the list usually have higher than average insurance premiums.
Friday 23 September 2022
Monday 19 September 2022
Camp Lejeune Water Lawsuits
Information on Camp Lejeune Justice Act Claims for Veterans and their Families
Over the course of four decades, contaminated drinking water at North Carolina’s U.S. Marine Core Base Camp Lejeune put hundreds of thousands of people at risk for cancer and other serious illnesses. Between 1953 and 1987, two of the eight wells at Camp Lejeune were contaminated with harmful chemicals known to cause cancer and other severe illnesses. These wells supplied contaminated drinking water to children at daycare or school, to military families for drinking and bathing, to patients in the hospital, and to servicemembers and civilian workers in their place of employment. Fifteen different illnesses and medical conditions including several types of cancer, reproductive problems, birth defects, and Parkinson’s disease have been linked to Camp Lejeune water contamination.
Camp Lejeune water contamination impacted thousands of families who were dedicated to serving their country, causing undue suffering, severe illness, permanent disability, and loss. The U.S. government has been slow to bring justice to families affected by Camp Lejeune cancer. For decades, persons who lived and worked on Camp Lejeune were unaware of their exposure to toxic chemicals through Camp Lejeune water contamination. Access to medical care for Camp Lejeune water illnesses was finally granted to all Veterans for qualifying medical conditions in 2012. But through the decades, victims of Camp Lejeune water contamination were prevented by law from filing a claim against the Marines and therefore had no recourse for their suffering.
If you are already receiving medical benefits or other compensation from the V.A. for Camp Lejeune water, you still qualify for filing a claim under the Camp Lejeune Justice Act.
The Camp Lejeune Justice Act gives families harmed by Camp Lejeune water contamination the right to file a claim for the first time. Thousands of Veterans and their family members who were unknowingly exposed to benzene, industrial solvents and other harmful chemicals through Camp Lejeune drinking water can file a claim against the U.S. Government. Filing a Camp Lejeune water contamination lawsuit is the only means individuals and families have to obtain the compensation they deserve for suffering, damages, and loss related to Camp Lejeune cancer.
The Camp Lejeune Justice Act enables Veterans and their family members harmed by Camp Lejeune water contamination to seek damages by filing a claim against the Marines. If you or a loved one was harmed by Camp Lejeune water contamination, contact our firm today to learn about your legal options.
Camp Lejeune Water Lawsuits
The Camp Lejeune Justice Act enables Veterans and family members who have suffered from Camp Lejeune water contamination to seek compensation through filing Camp Lejeune water lawsuits. Individuals who match this description are eligible for free, no-obligation case reviews with an attorney handling national Camp Lejeune water lawsuits. Lawyers handling Camp Lejeune water contamination lawsuits work on contingency, meaning you will never pay legal fees unless we win compensation for you. Read full Camp Lejeune water lawsuit information from attorneys handling claims from plaintiffs nationwide.
Sunday 18 September 2022
Making a compensation claim for an accident at work
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How dangerous is your job? Do you take your life in your hands every time you clock on, or is your job supposedly a ‘safe’ occupation? Accidents at work are one of the most common reasons for compensation claims every year, second only to road traffic accidents. No matter what industry you work in or how ‘safe’ you think your job is the truth is that accidents are unpredictable, they can happen anywhere and they happen to ordinary people every day.
A safe working environment
It’s the duty of your employer to ensure that your working environment is as safe as it can possibly be. Although people regard Health and Safety legislation as intrusive and sometimes overbearing, it is there to ensure that your employer maintains his or her duty of care towards your well being and safety while you’re at work.
Negligence
While nobody can ever predict when an accident will happen, many of them are entirely preventable and are the result of negligence. If your employer fails in their duty of care and you are injured at work, you may be able to claim compensation.
For this to be the case, you’ll need to show:
• You were an employee
• Your employer breached their duty of care
• This breach caused your injury
This will indicate that a lack of care or negligence by your employer is directly responsible for the accident. If that’s the case, then it’s time to talk to professional Lawyers. Experienced legal professionals can give you the expert advice you need, no win, no fee solicitors will fight hard to secure you the compensation you deserve.
What should you do?
If you have had an accident at work, whether you work in construction or are a 9-5 office worker, you may have the right to claim compensation. Workers often feel that putting in a claim against their employer can jeopardise their job security, but the truth is that the vast majority of employers are more than willing to ensure you get the compensation you deserve.
Accident at work compensation
A compensation claim can provide you with the money you need to get back on your feet or pay for long-term care and rehabilitation. It also means that you can stop worrying about financial problems and focus on recovering from your illness or injury. It can also highlight a problem in the workplace or in your employer’s procedures that needs to be addressed to prevent others from suffering a similar injury.
Saturday 17 September 2022
Auto Insurance
What is Auto Insurance?
Auto insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom.
Auto insurance may also offers financial protection against theft of the vehicle and damage to the vehicle, sustained from things other than traffic collisions.
Auto Insurance Coverages
There are basically six different types of coverages. Some may be required by law. Others are optional. They are:
- Bodily injury liability – for injuries the policyholder causes to someone else.
- Medical payments or Personal Injury Protection (PIP) – for treatment of injuries to the driver and passengers of the policyholder’s car.
- Property damage liability – for damage the policyholder causes to someone else’s property.
- Collision – for damage to the policyholder’s car from a collision.
- Comprehensive – for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
- Uninsured motorists coverage – for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.
Friday 9 September 2022
Employment Discrimination
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To be discriminated against in the workplace would be a distressing experience that nobody would want to live through. Discrimination in the workplace is protected against by both California and federal law which makes it illegal for the employer to treat their employees with prejudice based on their race, skin color, age, gender and gender preference, religion, disability, and other personal characteristics that are protected by law.
Those who are unfortunate enough to be victims of workplace discrimination may find comfort and justice with the help of an employment discrimination lawyer at Mesriani Law Group. We will help ensure that you have the highest chances of receiving the maximum compensation for your lost pay and benefits, pain and suffering, and other damages.
Do I Need an Employment Discrimination Lawyer?
Employment discrimination doesn’t always happen as visibly and clearly as one might have thought, which makes it difficult for the victim to determine if his or her rights were violated. This is typically why an individual needs an employment discrimination lawyer, to help identify and build a workplace discrimination lawsuit. Experiencing discrimination is emotionally and mentally draining and may result in actions that could lead to the employee’s forced resignation leaving the employee helpless and poorly compensated.
Seeking counsel and hiring an experienced and well-versed employment discrimination lawyer would guarantee a thorough assessment of your situation determining which unlawful acts committed by your employer is punishable by law and can lead to a lawsuit.
Types of Discrimination in the Workplace
As much as you want to have a stress-free work environment there would be an undeniable possibility of an unfortunate circumstance that you could experience unlawful discrimination at work. Below are the following types of discrimination in the workplace which includes:
- Disability Discrimination is the prejudiced treatment against an employee or applicant because of his/her physical and mental disability or record of an impairment that limits one or more of the major life activities.
- Age Discrimination is the ageism treatment from an employer of the employee or applicant aged over 40 years.
- Gender Discrimination is the stereotype treatment against an employee or applicant because of their gender or gender identity and based on the gendered assumptions on what women cannot do that men can and vice-versa.
- Sexual Orientation Discrimination is the narrow-mindedness view regarding the sexual orientation or preference of the employee or applicant which leads to biased decisions for promotion, incentives, and treatment.
- Pregnancy Discrimination is the unfair treatment toward expecting or new mothers to avoid fulfilling their obligation to provide the right to leave and accommodations for breastfeeding and other related needs.
- Racial Discrimination is the unfair preference of the employer against the employee or applicant’s race, skin color, physical racial attributes, ancestry, or national origin.
- Religious Discrimination is the vile bigotry towards one’s religious beliefs, practices, and preferences such as religious clothing, observance, holidays, and the like which often leads to arguments and harassment at the workplace.
- Marital Status Discrimination is the prejudiced treatment towards the marital status or perceived marital status: whether married, single, engaged, in a same sex relationship, widowed, divorced, and so on of an applicant or employee.
What Qualifies as Employment Discrimination?
To recognize and determine that your employer’s actions are considered workplace discrimination, you should be aware and have a clear understanding of the certain incidents, behaviors, and conduct that qualify as discrimination. Identifying discrimination will enable you to take immediate action on the next legal step. Below are the following actions or behaviors that qualify as employment discrimination:
- Moving forward with a less qualified applicant for hiring while passing over an individual due to prejudice against a protected class
- Leaving out people under-protected class during the recruitment
- Unfair treatment towards pregnant employees and applicants
- Holding off on promotions, salary raises, and other benefits for certain employees under the protected class
- Unequal treatment and biased accommodation to employees who filed for medical leave, disability leave, or retirement leave who are under the protected class
- Depriving reasonable accommodations to employees with disabilities
- Being unfairly biased in imposing stricter and unattainable rules and requirements to employees in a protected class
- Forcing an employee to resign for reasons based on discrimination
These are a few examples of actions that qualify as employment discrimination. It is important to remember that discrimination refers to any form of unfair treatment of one person from another, regardless of position or status within the company. Employment and workplace discrimination can be committed by coworkers, independent contractors, clients, and leadership. If you are hesitant whether your actions at work can be considered unlawful or if it qualifies as employment discrimination, you could always call and consult with an employment discrimination attorney.
Understanding Favoritism or Preferential Treatment in the Workplace
Favoritism or preferential treatment happens when one person is treated much better than others by leadership. This is a certain occurrence that we all experience at some point, which often happens in the workplace. Having a favorite or preference is not necessarily bad, and we all have the freedom to do so. An example would be preferring to hire a relative or a friend to fulfill the job vacancy. While this action is not illegal by itself, it may be bad for optics if someone extremely unqualified is hired to fill the role when there are more qualified applicants. However, if there were applicants that were far more qualified and part of a protected class, then the argument could be made that discrimination played a factor in the decision-making. This is why employment discrimination cases can be complex and may even be overlooked as a potential claim.
When Preferential Treatment Becomes Illegal
An example of preferential treatment would be when an employer gives a specific employee more incentives and leeway than the others even though that employee is not performing well enough to deserve such rewards. This may seem unfair, but it would otherwise be acceptable for the employer as no employment laws are being broken. Correspondingly if the employer treats an employee differently because of their age, gender, nationality, religion, skin color, or any other protected class, then the preferential treatment becomes employment discrimination and is considered unlawful.
What Laws Protect Against Employment Discrimination
There are several state and federal laws enforced by the EEOC (Equal Employment Opportunity Commission) that protect every employee from employment discrimination, below are some examples:
- Title VII of the Civil Rights Act of 1964 – Protects employees and applicants from discrimination based on racial type, skin color, religious belief, gender, and national origin. Title VII covers and protects the assessments on recruitment, candidate selections, terminations, and other decisions concerning requisites of employment.
- Equal Pay Act of 1963 – Protects male and female employees from gender-based discrimination in the matter of the payment of wages and benefits. This applies to employees who are in the same company or employment and perform jobs of equal skills, labor, and responsibility under similar working conditions.
- Age Discrimination in Employment Act of 1967 – Protects employees or applicants who are 40 years of age or older from age-based employment discrimination.
- Rehabilitation Act of 1973 – Protects qualified employees and applicants with disabilities from discrimination. This requires the employers to make reasonable accommodations to their employee’s needs related to their disabilities.
- California Fair Employment and Housing Act – State law that protects California employees against employment discrimination based on the protected class and retaliation against anyone for opposing any activities prohibited by FEHA or for submitting a complaint, giving a testimony, or assisting in activities under the FEHA.
How Do You File an Employment Discrimination Complaint in California?
In California, employment discrimination complaints fall under the jurisdiction of two agencies: DFEH – Department of Fair Employment and Housing and EEOC – Equal Employment Opportunity Commission. These agencies have a work-sharing agreement signifying that they collaborate, as long as you indicate a cross-file, to investigate and process claims for employment discrimination.
The DFEH handles claims against employers with under 15 employees, while the EEOC handles claims against employers with more than 15 employees and falls under the umbrella of federal law.
Victims of employment discrimination are usually obliged to use all administrative remedies first through DFEH or EEOC before they can file a lawsuit. You can request an immediate right to sue notice, but your claim will not be investigated by either the DFEH or EEOC which is only advisable if you have an attorney. Your employment discrimination attorney can secure a right to sue notice and file your case in California courts and in the state where the violation occurred. Upon filing the lawsuit, a complaint will be served upon your employer as a defendant, after which the employer’s formal response to the allegations will lead the case to proceed through litigation.
What is the EEOC?
The EEOC or the Equal Employment Opportunity Commission is a federal governed agency created by the Civil Rights Act of 1964 (Title VII) whose main purpose is to clarify and enforce federal laws criminalizing employment discrimination. Some of the federal laws that criminalize employment discrimination that the eeoc.gov. administers are:
- Title VII of the Civil Rights Act of 1964
- Pregnancy Discrimination Act
- Equal Pay Act
- Americans with Disabilities Act (ADA)
- Age Discrimination in Employment Act (ADEA)
- Genetic Information Nondiscrimination Act (GINA)
Building a Workplace Discrimination Case Against Your Employer
Providing essential and valid proof that the workplace discrimination that took place requires that you gather as much evidence as you can. This includes concrete examples that specific people are receiving incentives and perks, access to training, and promotion of a higher role and salary, which were not granted to you on the grounds that you belong to a protected class. Preferential treatment may be a factor in choosing who gets these benefits, but whether or not it is an unlawful action depends on if they based their decisions on prejudices against a protected class.
In building a workplace discrimination case against your employer, consider the following situations in gathering concrete proof:
- The management and/or supervisor typically overlook employees with certain attributes which are under the protected class such as gender, age, and race when deciding on the approval and distribution of bonuses and/or promotions.
- The people who got promoted or given additional perks have a questionable job performance record.
- The management and/or employer has a track record of sexual harassment and/or discrimination in the workplace and was not legally dealt with.
- The management instantly made a judgement against a certain employee who happen to be in a protected class, even without hearing their explanation or reason.
- The management became stricter and biased with your promotion and workload after you have reported an illegal activity or participated in an investigation against them.
How You Can Prove Employment Discrimination?
An employee who’s been a victim of employment discrimination may find it hard to prove that they are discriminated against because of the evidence that they need to provide. It is extremely unlikely that the employer would openly admit that they have committed any unlawful acts so employees are given the chance to prove an employment discrimination case with 2 types of evidence:
- Direct Evidence: These include statements by managers or supervisors that directly show the biased treatment against you and your protected class status.
- Indirect Evidence: These are the circumstances, scenarios, and actions that infer that there was discrimination against you and your protected class. While there might not be an explicit statement made that shows prejudice, the actions of leadership can highlight discrimination. This can often be proven when an action was taken under motives that later proved to be false or made no sense.
What qualifies as employment discrimination
Employment discrimination can be described as any unfair treatment that is prompted by prejudice against a protected class. These protected classes include age, race, ethnicity, nation of origin, religion, disability, pregnancy, sex, gender, sexual orientation, and family status.
Examples of employment discrimination
Examples of employment discrimination include not getting hired or promoted, dealing with harassment or inappropriate behavior, being fired, and being denied benefits. If each of these actions were done to unfairly impact a protected class in a negative manner, it would be a potential employment discrimination claim.
Types of employment discrimination?
The 4 types of employment discrimination are direct discrimination, indirect discrimination, harassment, and retaliation. Direct discrimination is intentionally directed at an individual while indirect implies an environment that (un)intentionally places a protected class at a disadvantage. Harassment is classified as unwelcome activity towards an individual that results in a hostile work environment and retaliation is the result of an individual facing consequences for actions like reporting discrimination or Harassment.
Saturday 20 August 2022
Car insurance quote Explained!
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A car insurance quote provides an estimate of what you’ll be charged for car insurance, monthly and annually. You can get a quote from a broker, an agent, or an insurance comparison site.
Regardless of the route you take, you’ll be asked intake questions before you can see your quote. Your answers provide a general picture of your insurance needs.
Every car currently in use needs to have insurance – it’s illegal to operate one without it. Because of this, your auto insurance quote will automatically include the minimum coverage required to operate a car legally.
You’ll also have a chance to state whether you think you’ll need optional forms of insurance; this will be factored into the quote you get.
Here’s what you can expect to be asked during the quoting process:
- Your age
- Your gender
- The date you received your license
- Your car’s make, model, and year
- Where you park your car overnight
- Whether your car is leased
- The number of kilometres driven to work one-way
- Whether you would like your insurance to include comprehensive and collision coverage
Auto insurance policies are standardized. However, there’s still a wide variance in how much one company charges for coverage versus another one. It’s important to compare quotes from a variety of providers. With car insurance rates going up (and the cost of living in general), it’s more important than ever to find savings where you can.
Factors that impact your car insurance quotes
Whether you’re getting car insurance for the first time or looking to renew your current policy, many factors shape your car insurance premium, from car type to driving record.
Below are some factors that insurers use to determine your insurance premium.
Your vehicle type
Insurance companies have different rates for different car makes and models. The insurance company looks at a few things when determining your rate: the chances of your car being stolen or damaged in an accident, for example. Certain vehicles have a higher risk of being stolen than others. According to the Insurance Bureau of Canada, the vehicles that attract thieves most often are Ford pickup trucks and Toyota SUVs.
Insurance companies also consider how much it might cost to repair your car if you get into an accident. Generally, rates tend to be higher for newer cars, especially sporty models, but safety and driver-assisted features may help lower your premium.
If you’re curious about how your car measures up, find out which makes and models are the cheapest to insure.
Your age
Most drivers can expect to see their car insurance rates decrease for the first time when they reach the age of 25. Up until this point, young drivers, especially young male drivers, are considered high-risk due to the increased likelihood of getting into an accident and having to file a claim. As you build a safe driving record and insurance history, both may result in a cheaper car insurance premium over time.
As you get older, car insurance typically gets cheaper again when you hit 50 years old. By this age, you have an established driving record, insurance history, and are considered to be a lower risk.
But by the time you hit your mid-50s and onwards, your car insurance might increase. Find out how you can save some money with affordable seniors’ insurance.
Your gender and marital status
Insurance companies also consider your gender. That’s because males are statistically more likely to file an insurance claim, which means men pose a higher risk of getting into a car accident.
Your marital status may also factor into the equation. Married couples tend to get lower rates than single individuals. So, if you’re a young, single male, you may pay a higher rate than your married counterparts.
According to this Globe and Mail article, there are a few reasons why married couples get lower rates, including their age and driving experience. Also, many married couples have kids and tend to drive more responsibly.
With that said, each insurer determines their own rates, and some won’t factor in your marital status.
Where you live
Where you live can have a big impact on your car insurance rate. That’s because urban areas tend to have higher claims costs. Being in an area with more people means more risks, accidents, and thefts. When those things occur, claim costs rise, and so do premiums.
Along with urban areas having higher claims costs, your postal code also affects your premium. Each postal code is associated with a neighbourhood, and some neighbourhoods are at a higher risk for theft or accidents.
Driving record
The cost of your insurance largely depends on your personal driving record. Previous accidents, how long you’ve been licensed, whether or not you’ve taken a driver training course, speeding tickets, and serious convictions such as impaired and distracted driving are all part of your record.
The more traffic convictions and collisions you have, your insurance premium will likely be higher.
The length of time traffic convictions stays on your driving record varies. For example:
- A speeding ticket stays on your record for three years.
- Demerit points stay on your licence for two years. The number of points added to your record depends on the offence. In Ontario, if you accumulate more than 15 demerit points, your licence will be suspended for 30 days.
Car accidents are a bit trickier to determine, and the primary factor is finding out who is at fault. Your insurer will use provincial Fault Determination Rules to determine who caused the accident. If you’re found at-fault – partially or fully – your premium may increase, and the collision will stay on your driving record for six years.
Insurance company
Shopping around for the best deal can be time-consuming and overwhelming, as each insurance company offers different rates based on your profile. To simplify and expedite your search for affordable car insurance, get a free quote from a broad range of insurers.
After you’ve found a few insurance rates you’re interested in, you can start comparing the policies line by line to see what is offered and what isn’t. Keep in mind that cheap doesn’t always mean the best.
To truly get the cheapest and best car insurance, you should shop around whether your policy is up for renewal or not because each company offers different rates.
Insurance coverage
Depending on what type of car you have, you may want to get different coverage. For example, you should consider a depreciation waiver on a brand-new car. If your car is severely damaged in an accident, this coverage allows drivers to receive a claim on the value of their car. Of course, there are caveats to this: the car must be brand new (not used), the waiver can last between one and three years, and your claim will be settled in one of three ways (whichever is lower):
- The amount you paid for the vehicle.
- The manufacturer’s list price for the vehicle, with similar options and equipment on the original date of purchase.
- The cost to replace the vehicle with a new one with similar options and equipment
Insurance policy deductible
The deductible is the amount of money you would pay before insurance starts to cover you in the event of an accident, theft or other damage to your vehicle. Depending on the policy, the deductible amount can vary but typically starts at a few hundred dollars and goes up.
It may sound counterintuitive to want to increase your deductible, but a higher deductible means a lower premium.
Ask about discounts
The best way to save even more is to ask your provider about discounts they offer and what you may qualify for.
Here are a few easy ways to potentially save:
- Sign up for a usage-based insurance (UBI) program. A UBI program monitors your driving behaviour and habits. A mobile app and a telematics device installed in your vehicle tracks how fast you drive, how hard you brake, and the distance you drive. Consistently demonstrating safe driving behaviours can help you save money by earning a discount on your premium.
- Get winter tires. Many insurers offer a winter tire discount of up to 5% on your premium when you install winter tires.
- Invest in driver education. Young or new drivers can also give you a discount if they’re on your insurance policy if they enrol in an accredited driver’s training school and complete the training. The money you’ll save on insurance typically offsets the cost of the training within the first year.
Review your policy annually
Reviewing your policy annually ensures you’re still getting the best rate, especially if your insurance needs change throughout the year.
After careful review, you can decide to renew the same policy, make changes to your policy, or switch insurers to get the coverage you need at an affordable price.
Whatever you decide, it’s good to review and shop around annually.
Tuesday 16 August 2022
How car insurance works in Canada
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Car insurance is mandatory in all provinces and territories.There are serious consequences for driving without insurance. These include having your license suspended, your car impounded, and fines. In Ontario, the fines range from $5,000 up to $50,000; in Alberta, they range from $2,875 up to $20,000.Plus, your insurance premiums will increase (the larger the fine, the more significant the increase).So why aren’t other forms of insurance, like life and home insurance, not legally required? Car accidents take a toll on society. Without mandatory insurance, victims likely wouldn’t be able to access crucial support. Having a clear system for resolving disputes also ensures the courts don’t get tied up, too.
Regulation at the federal and provincial levels
Insurance is regulated at both the federal and provincial levels.The vast majority of the property and casualty insurance industry is federally regulated. The Insurance Companies Act governs all federally incorporated or registered insurance companies in Canada.The Financial Consumer Agency of Canada (FCAC) is responsible for administering sections of the Act that deal with consumers’ rights and monitoring insurance companies’ compliance with the law.The Office of the Superintendent of Financial Institutions (OSFI) regulates the solvency and financial soundness of property and casualty insurance companies.Then, each province and territory have their own Superintendents of Insurance. These bodies regulate the products offered by insurers and their conduct in the marketplace (underwriting, rating, and marketing practices, as well as their handling of claims). The Financial Services Regulatory Authority of Ontario (FSRA) regulates the car insurance industry in Ontario. The Alberta equivalent is the Alberta Automobile Insurance Rate Board (AIRB).Private vs. public car insurance marketsCanada has a patchwork of insurance markets. The provinces get to decide what delivery system they want, which is why some have private insurance markets (where you buy insurance directly from a company of your choice), and others have public insurance funded by taxpayers.In the public system, insurance is dispensed by a Crown corporation (B.C., Saskatchewan, and Manitoba). Enrolment is automatic when you register a vehicle.Quebec’s system can be described as quasi-public. Here, the public insurer only regulates insurance for bodily injuries, while physical damage and liability are provided by private insurers.Provinces with private auto insurance systems (Ontario, Alberta, all the territories and Atlantic provinces) have laws preventing drivers with less than stellar driving and insurance records from being refused insurance coverage. This is called an all-comers rule.The all-comers rule aims to stamp out business practices that dissuade troubled drivers from getting a quote.That said, if you have poor driving and insurance histories, your insurer might bring you on as a customer — but your premium will be much higher than the average driver’s.The differences between provinces don’t stop there.
Tort vs no-fault insurance
Tort insurance was once the dominant claims resolution methodology in Canada.A tort is a legal concept for civil wrongs that inflict pain and damage to another person due to negligence.
Under a tort auto insurance system, some insurance accident benefits are included in a standard policy, but they’re limited in comparison to the benefits in no-fault systems. If you’re injured by someone else’s actions, you must sue to cover your expenses.
No fault coverage means you get comprehensive benefits regardless of who’s at fault for causing the accident. In exchange, your right to sue for pain and suffering is limited.
Ontario, Nova Scotia, New Brunswick, Quebec, P.E.I., and B.C. operate under a no-fault system.
To this day in Saskatchewan, you can decide whether you want a tort or no-fault accident benefits package.
Alberta doesn’t fit into either the no-fault or tort category, either. It is a primarily tort-based system with some facets of a no-fault one. In 2022, the province introduced direct compensation for property damage (DCPD), which means your insurance company will pay for repairs to your vehicle if you’re not at fault for a collision (no need to get lawyers involved). This type of coverage is usually only found in provinces with no-fault frameworks.
On the other hand, you can sue the at-fault party for damages in Alberta (a hallmark feature of the tort approach).
Geography and auto insurance
To get even more granular, insurance premiums are dictated by geographical boundaries.
Most insurance companies use postal codes to determine the boundaries. However, the province can get involved and set restrictions on rating territories.
Friday 12 August 2022
Types of car insurance coverages in Canada
Since you can’t legally operate a car without insurance in Canada —driving is an inherently risky activity — auto insurance policies are tightly regulated and standardized.
However, the provinces get to determine what constitutes mandatory and optional coverage.
The maximum amount an insurer will pay to an insurance policyholder varies in each province and territory.
Broadly speaking, liability and accident coverage is mandatory in most provinces, while insurance that covers damage to the body of the car and personal effects is optional (with some exceptions).
Insurance endorsements are a kind of optional coverage. They’re policy change forms that alter standard policies in ways that optional products don’t. Endorsements can enhance or reduce your existing coverage.
See the mandatory coverage for your province here.
Mandatory insurance
- Third-party liability: This benefit covers you from claims from a third party when you have an at-fault accident. It protects you if you cause damage to someone else’s property, bodily injury or death.
- Direct compensation property damage: This covers damage to your vehicle if the other person was responsible for the accident. Your car insurance company compensates you.
- Uninsured automobile protection: Provides extra coverage if you’re in a collision with a driver that does not have third-party liability coverage.
- Accident benefits: Protects you from injury in a collision, whether you are the driver, a passenger, pedestrian or cyclist.
Optional insurance
- Collision: This coverage protects your vehicle against damage from a collision with another car. Your insurer will pay to repair or replace your vehicle if you are at fault
- Comprehensive: Covers damage to your vehicle that wasn’t caused by a collision, like theft, hail, vandalism, and more.
- Specified perils: This coverage protects against damages caused by named perils, such as theft, attempted theft, explosions and natural disasters like fire or lightning. Only risks specified in the policy are covered.
- All-perils: This coverage is a combination of both collision and comprehensive insurance. All-perils coverage protects your vehicle from all causes of loss except those directly mentioned as exclusions in your policy. It also provides additional protection if your car is stolen or damaged by another driver.
Endorsements
- Suspension of coverage: This allows you to suspend your insurance coverage for 30 days or more during periods when you aren’t using the car.
- Transportation replacement: Provides compensation to pay for other means of transportation if your car is unusable due to a covered risk.
- Liability for damage to non-owned automobile(s): Covers damage caused to a rented or leased car.
- Accident forgiveness: Ensures your premium will not increase after your first at-fault collision for as long as you remain with the same insurer.
- Waiver of depreciation: Ensures your insurance company won’t factor in depreciation when settling a claim; you will receive the amount you initially paid for the car.
- Family protection coverage: Ensures your costs are covered if you and your family are involved in an accident with a driver with less liability insurance than you. This endorsement will cover the remainder.
- Limited glass: For a lower premium, you can limit or exclude any coverage for glass damage that might’ve been in your policy.
- Fire and theft deductible: Adds a deductible (an amount you must pay before your insurance company chips in funds) for a theft or fire damage claim.
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