Workers Comp Insurance Isn’t Required in Texas – Does My Business Really Need It?

Texas is the only state in our great union that doesn’t require employers in some form to carry workers comp coverage. Is this good news?

I run across many Texas businesses that choose to go bare. I hear things like, “Hey, my employees work in an office, what’s going to happen? If someone gets a vicious paper cut, I can write a check to the urgent care center. Problem solved, right?”

Educate Yourself on the Risks

Maybe. As long as you are comfortable with the risks. What else can happen to your office employees? Do they ever drive their own vehicles for business purposes? Ever drive to the bank to do a deposit or make a run to Office Depot? Ever go on a sales call? (I know after last quarter’s numbers you sometimes wonder, huh)? What happens if your employee gets in an at-fault accident and sustains serious injuries? Who pays for hospital stays, medications and lost wages if you don’t have Workers Comp? Well let’s see:

Health insurance? Nope. Automobile insurance? No again. General Liability Insurance? Excluded. You guessed it. You do!

A Risk Management Axiom

There is a risk management axiom that you should only retain the level of risk you can pay for. To throw in a little perspective on medical expenses, one of my ten year old twins recently had a little ER visit for doing a head-gravity-ground experiment while playing “touch” football. We were there for an hour and a half. The bill… Over $16,000! How much for a serious auto accident? Hundreds of thousands of dollars? More? Can you write a check for that?

Statutory Compliance

There are a couple of other issues you need to be aware of if you choose to go without workers comp coverage (this is called non-subscription). If you are a non-subscriber, then you are by law required to file a “Form 5” with Texas Department of Insurance every year. Failure to do so carries potential administrative penalties and fines. You can get a copy of a form 5 on the TDI website, or get in touch with me at Austin Insurance and I’ll be happy to send you one.

The Realistic Risk

Perhaps the most realistic exposure to non-subscription is the cost of being sued by an employee for on the job injuries. Even if you are vindicated in court, you will still incur potentially substantial legal fees. Now my attorney is a nice guy, but at $300 an hour I tend to forgo the chit chat.

Furthermore if you are sued by an employee for negligence, then you are severely hamstrung in any legal defense you employ because your attorney will not be able to use many common law defenses that are typically critical in defending negligence suits.

The Solution

The good news is that the level of workers comp fraud has diminished over the last few years and rates have come down. In fact for office workers annual rates are as low as 25 cents per $100 of payroll. Make sure you are protected!

Losing Weight through Nutritional Cleansing

Human body is a best composition of organs, tissues, and ultimately cells. At every level lifestyles exists, supporting the following degree, to preserve the larger gadget lively and transferring. In order to preserve human cells alive in a vessel, one wishes to trade the liquid medium of the cells often, to maintain it clean and rich with nutrition. All this must be accomplished within the best traditions of maintaining aseptic conditions. In case you aren’t a Bio-Science person, it works the identical manner we change each day the water in the flower pot that contains a rose bud, to put off its degeneration.The same ‘theory of replenishment’ works for human body as an entire that is in the long run fabricated from cells, in need of normal nutrients and cleansing for its sturdiness.It has not been long, clinical sciences has commenced acknowledging the truth that notions of our ancestors approximately healing and ingesting, were never that absurd. It has been documented, after numerous research that a de-formed frame with a tough, light pores and skin hints toward its bad inner state,

that is in utter want of an outside cleansing force. Medicines provide a remedy to a sickness however what approximately the healing our body desperately desires? The solution lies in our weight-reduction plan.Each time we get exposed to pollutants, by breathing in, ingesting or consuming processed food having lines of preservatives, the frame reads it. The frame, then, bio-adapts to defend our organs from harmful Xenobiotics,( compounds which might be alien to our metabolic tactics) by adding sheaths of fat cells across the body organs. Fats are known to take in and sequester external non-biomolecules. This manner but is demanding, as frame shifts from a balanced to a seasoned-anabolic metabolism, making us slow and energy disadvantaged. Therefore, in each case, the more flab is a sign that our frame desires care.Exercising frantically best adds to the ongoing internal metabolic pressure and finally ends up in reducing the frame mass as an entire, dehydrating the body and causing wrinkles and pigmentation on pores and skin. Which manner as we burn fats to lessen the body

weight, our lean muscular tissues additionally reduces, making us vulnerable. Starving however, is a complete disaster, due to the fact in the course of starvation body fats is oxidized pretty, leading to excessive accumulation of ketone bodies in our stream, which can be dangerous for our organs. Moreover, in a starving mode our body reduces metabolism and has a tendency to keep electricity within the form of fats and with every occasional serving of food, contributes to the trouble of fat accumulation.A health software which incorporates mild exercising and a carefully selected diet regime, full of vitamins and simultaneously working on body cleaning, is the quality choice. Body cleansing thru nutritional supplements is a newly adopted, age old advised manner of lowering weight in terms of fats. The software works in ways; special dietary supplements help within the elimination of pollutants, thereby preventing any further need for fat deposition. This is concurrently followed by means of wealthy nutrients permitting body cells to revive. Secondly, the moderate physical

Improve Fertility Through Nutrition

Nutrition is of extreme importance due to the fact your body is the vessel wherein you’ll be sporting new lifestyles. Therefore, the more healthy your body is, the more likely you’re to conceive and carry a child to full time period. Here are a number of the nutrients which you must be sure to consist of to your weight-reduction plan:

Folic Acid

Folic Acid can enhance fertility in both ladies and men. Besides dietary supplements, you can gain folic acid from natural assets consisting of green leafy veggies, entire grains, wheat germ and citrus end result. The encouraged amount is four hundred micrograms an afternoon.

Vitamin B12

Vitamin B12 facilitates in improving fertility and additionally preventing miscarriages.

Vitamin C

Vitamin C is an antioxidant which improves general health, reduces stress and boom fertility among each men and women.

Calcium

Calcium is critical for both ladies and men. It is essential for girls who’re seeking to conceive and additionally ladies who are pregnant. The encouraged degree is 1,000 milligrams an afternoon.

Iron

Iron facilitates save you miscarriages. The advocated amount is 30 milligrams an afternoon. Green leafy veggies are an awesome natural source of iron.

Zinc

Zinc could be very critical for male fertility. The advocated amount is eleven milligrams a day. Natural resources of zinc include wheat germ, seeds and soy.

L-carnitine and Co-enzyme Q10

Both of those were discovered to growth male fertility.

Herbs

Some herbs located to be beneficial for fertility include – chaste tree berry, crimson clover, Siberian ginseng, female’s mantle, black cohosh. There also are round one hundred fifty types of Chinese herbs that are useful for improving fertility. These are quality acquired from a Chinese medication practitioner.

Food

If viable, devour natural food to avoid ingesting insecticides, fungicides, herbicides, preservatives, hormones, colouring, additives, antibioitcs, flavorings and other chemical substances. Some specialists say that a vegan or vegetarian diet improves fertility due to the elevated intake of end result and greens.

Nutritional Remedies That Improve Hypoglycemia Symptoms

Hypoglycemia, or low blood sugar, is a condition in which there’s an abnormally low level of sugar (glucose) within the blood. This most often consequences from the over-secretion of insulin via the pancreas.

Sugar and subtle carbohydrates make your blood sugar upward thrust. This signals the pancreas to produce insulin. Too an awful lot insulin ends in hypoglycemia. Normal carbohydrate metabolism is impossible if the pancreas is not functioning well.

Hypoglycemia can be inherited, but greater frequently it’s miles brought about by an inadequate food regimen. Other physical problems can purpose hypoglycemic troubles as properly; inclusive of, adrenal insufficiency, kidney disorder, pancreatitis, pituitary problems, and thyroid issues. Candidiasis and immune deficiency are strongly connected to hypoglycemia.

Other not unusual causes are smoking and the consumption of huge quantities of caffeine – found in chocolate, espresso and colas. Although it can appear contradictory, low blood sugar can also be an early sign of diabetes (high blood sugar).

More and extra human beings today may also have this condition because of bad dietary habits that encompass ingesting large portions of simple carbohydrates, alcohol, caffeine, gentle liquids and sugars, and insufficient quantities of complicated carbohydrates. In addition, excessive stress ranges are believed to be a contributing aspect in the increasing occurrence of hypoglycemia.

People stricken by low blood sugar might also display one or all the following signs and symptoms: blurred vision, tension, dizziness, light headedness, despair, fainting spells, fatigue, headache, irritability, temper swings, cravings for chocolates, night time sweats, steady starvation, swollen feet, confusion, weakness in the legs, nervous behavior, insomnia, pain in various parts of the body (specially the eyes), intellectual disturbances and a sense of tightness inside the chest.

One or all of these signs may also arise a few hours after consuming sweets or fats. The onset and severity of signs are immediately associated with the type of ingredients that the meal contained and to the length of time for the reason that closing meal was eaten.

Diagnosis of hypoglycemia may be hard because signs often imitate those of different disorders; which include, dietary deficiencies, mal-absorption syndrome, consuming issues, allergic reactions, asthma, digestive or intestinal problems, chronic fatigue syndrome, intellectual issues, neurological issues and weight problems.

The stress response brought on each time blood sugar plummets will increase the frame’s need for nutrients and may create deficiencies that in addition impair carbohydrate metabolization.

Finding the Perfect Mattress – Easy Cleaning Solutions

One of the most important questions while purchasing mattresses is the issue of cleaning the mattress. This is such an item that is not easy to clean. Since you spent most of hours in a day on a mattress so it necessary to take care of the item. A bed mattress is susceptible to many problems like spills if you have children, wear and tear or any other harmful elements on it. Therefore, it is important to clean the mattress properly because that will not only help you to maintain a good quality but also ensures the durability of the mattresses.

The bed mattresses also contains pillow top mattresses or a memory foam and if you are able to take a good care of them the mattresses, it will stay clean. You spend most of the hours in a day on bed mattresses while sleeping and so getting close and personal with the mattresses is natural. Therefore, that will make sense to clean the mattress and for keeping it fresh for a better sleeping experience every night.

But what are the things that you need to decide for cleaning the mattress? This is certainly not an item that can be thrown inside the washing machine or to the laundry for a good scrubbing. Rather, there are number of steps that are important to follow for ensuring that the mattress stays clean as far as possible. Moreover there are even some good tips if you have a spill on the mattress as well. Here is one of such quick tip.

For keeping the mattress clean one of the primary things to do is to have regular maintenance because that will help you to give an idea about the cleaning of the mattresses. Firstly, you need to buy a mattress pad or a cover that will protect the mattress from any such normal wear and tear. If you want any additional security, you can select waterproof mattress that avoids any stains caused by liquid spills. A soiled mattress can be easily clean but a dirty mattress cannot.

If you are able to follow these simple tips you can easily make this uphill task of cleaning a bed mattress, a child’s play.

What Are Life Insurance Rates

Life   insurance  rates are approximations of the premiums you will pay for a life   insurance  policy with a particular insurer. These rates are based on a variety of factors or guidelines. These guidelines evaluate your height and weight, health and family history, driving record, and lifestyle factors to determine which of their rates you will qualify for. These companies change their underwriting guidelines as well.

Premiums on some policies are guaranteed, and on others are not. Some without premium guarantees have experienced rate increases (sort of like health insurance) over the past few years. The premium amount is more if you are above 45-50 at the time of availing this insurance. At the time of expiration of your policy you can claim refund. These rates are based on your age and your health, the healthier you are the lower your premium will be.

The most competitive  life   insurance  companies monitor this very carefully and adjust as needed to maintain their competitive position. If you want to obtain the lowest rate, you need to use a quote engine providing real time  life   insurance rates, where you can achieve much more information as well. All insurance companies are evaluated on the basis of their rates across the board, which they use a rates database. The results from this database are presented for the top life   insurance  companies for “Preferred Rates” and “Standard Rates”. Based on your health history, medical exam and other factors, the company then places you in a rating class. These rating classes are also titled with names such as super preferred, preferred, regular or standard. Based on this information, you can have a knowledgeable discussion with your insurance agent to make your final choice.

 Life   insurance  rates are determined based on mortality rates-the more likely you are to die, the less likely you are to find the most affordable rates possible, if you can find them at all. These rates are based on mortality assumptions, how long a person might expect to live. There are many different problematic factors insurance companies look into such as obesity, which can lead to a host of collateral health issues. Being a smoker is another factor which can differ drastically from company to company. At many companies, smokers who get insurance and then quit may be able to qualify for preferred. Not all companies treat the same health issues equally.