View on Google Maps. View library. You are free to copy, distribute and use the database; to produce works from the database; to modify, transform and build upon the database. As long as you attribute the data sets to the source, publish your adapted database with ODbL license, and keep the dataset open don't use technical measures such as DRM to restrict access to the database.
The datasets are also available as weekly exports. NL EN. More from Jerald Greenberg. More about Arbeids- en organisatiepsychologie personeelsbeleid en -opleiding Employee rights Organizational justice Personnel management Supervision of employees. Faculty library psychology and educational sciences Open print view. Description: XI, p.
Subject: Employee rights. Thousand Oaks Calif. Keep in mind the coverage options will vary for each business owner, and this article is more of a guideline. General Liability. General Liability coverage is the overall catch mechanic in a policy.
It helps protect your business if there is a physical injury, property damage, or personal injury that occur during the operations of your business. Simply put, if something goes wrong with a person or your building, General Liability may help you out of a sticky situation. Business Property Coverage. This coverage is focused on protecting your building and the stuff inside of it.
Business Interruption Coverage. How about a tornado? Or any multitude of disasters that could really ruin your day. Business Interruption Coverage may give you a safety net to protect you from lost earnings or damaged merchandise. In addition, you will have the option to include a multitude of other coverages that will be specific to your business, your needs, and your budget.
Worried about the cost of your business insurance? The premium you pay will depend heavily on the type of business you have, the optional coverages you select, and the limits and deductibles you choose. The best way to find out the best policy fit for you is to speak with an experienced agent to tailor fit exactly the coverage you need, at a price point you can afford.
There are two main types of life insurance, term and whole life. Term life insurance is similar to renting a car. You own the life insurance for a period that you select, commonly in segments of 10 years, and are protected for that term. This type of policy is commonly much cheaper than the whole life option, and may make sense if you are worried about not having the savings to protect your family during that term.
When looking at term life, you should:. Ideally, you choose term life during periods where there may be heavy expenses and financial drain if your income was no longer in the picture. The core benefit is about the same. Whole life is, as the name suggests, a coverage option for lifelong protection. This coverage is more than just a death benefit, the policy itself can be an investment as well. With many whole life policies you are able to borrow money against the policy, or even surrender the policy for a cash benefit.
Benefits of Whole Life commonly include:. Locked in premium. Your payments remain the same for as long as you live. A cash value that will grow at a guaranteed rate for as long as you have the policy. Ideally, you choose whole life if you want a safety net that follows you as you age. The ability to borrow money against the policy, as well as the guaranteed benefit and locked in premiums ensure that you are able to feel safe and protected.
According to Cal Fire there have been over 6, wildfires reported in just alone. These fires have burned , Acres of land all throughout California. With this mass of wildfires burning in our backyards Californians are worried about their homes. Inspecting your home to determine fire risk is much easier than you may think.
With this article we will show you an easy 4 step process that will allow you to submit the information that insurance agencies need to determine if they are able to insure you. This process will also allow you to identify areas in which your property could be improved to be more fire resistant. Self-inspection is easy! With these simple steps you have been set on track to make sure your home is better protected!
Even under ideal conditions and extremely fast response time by our amazing firefighters you home may still be classified as a High Brush Zone or Hazard Area. After you self-inspect your home the next step is finding an insurance plan that works best for you. Homeowners that have been classified as high risk may believe that the CA Fair Plan is their only option, and in the past it has been. However, specialized agents such as Robert Feldman are certified to offer specialized plans to high risk homeowners.
Robert Feldman, high risk insurance specialist, announces a new location that will be opening in Malibu on November 1, Robert has been an agent with Allstate for over 18 years, and prides himself on providing personal service for the people in the communities he serves. Robert and his Allstate team are among the very few agents in the state who are able to offer a superior insurance program that eliminates the need for the CA Fair Plan for single-family homes in Malibu.
Not your typical insurance agent, Robert is high energy, passionate, and is an influential part of the Allstate family. Robert is always happy to provide information to groups who want to learn a little more about risk management and the possible gaps in their insurance coverages, for both their homes or businesses.
We can usually help, as we have access to insurance policies through unique insurance carriers. If our agency cannot be of assistance, we have a great referral network, and can put them in touch with another industry expert. As an Agent working for a brokerage you are considered an independent contractor. You are missing out on tax savings and protection for your personal assets. Since brokerages give you a form instead of a W-2 you are considered an independent contractor, this means that as far as the government is concerned you are the sole owner of your real estate business.
So, what does that mean? Personal Possessions. As a sole proprietor business type all of your personal possessions are at risk if there are any legal actions taken against you or your employees. This includes your home, personal income, retirement accounts and more. By forming your business into an LLC you gain protection for your assets, but not in all the ways you might hope. Unfortunately, since you still operate through the BRE as an individual your assets are not safe if you are the one making the mistake.
However, you gain protection if your employees are the subject of a lawsuit. For example, if you have an assistant showing an open house that is negligent of proper care which results in damages to the property. Without incorporation you could be held liable for any damages that are not covered or partially covered by your brokers insurance, if you are a corporation in this situation your personal assets are no longer at risk. Tax Savings. One of the largest advantages of being an LLC and paying taxes as an s-corp is the tax savings.
Essentially, as an s-corp you end up paying taxes on less of your income. Instead of paying a self-employment tax on all of your profits, you pay tax on your salary with the rest of the income being distributed as dividends to yourself. IRS Audit Risk. No matter how in-order your taxes and business filings are, an audit is always a pain. According to an article from , the Wall Street Journal found that s-corps are ten times less likely to be audited by the IRS compared to sole proprietors.
Floods are the most common and costly natural hazard in the nation. They are an even greater risk if there have been recent wildfires in the area.