Monthly Archives: November 2017

Getting the Coverage You Deserve with a Bad Faith Insurance Attorney

As a customer, you have to put a great deal of trust into your insurance company. When you have to file a claim, it is expected that your insurance company will be there for you, providing you with what you need during a time when you need it the most. If your insurance company fails to come through for you once filing a claim, you may need the assistance of a bad faith insurance attorney.

What is Insurance Bad Faith?

You may be at liberty to file an insurance bad faith claim against your insurance company, should they deny or lowball your coverage after filing a reasonable claim. Insurance companies in the U.S. are bound by a duty of “good faith and fair dealing” to those whom they insure. If an insurance company fails to uphold this promise, the insured party has a right to sue their insurance company for both insurance bad faith, as well as a breach of contract. With the assistance of a bad faith insurance attorney ( ), you are more likely to succeed in getting the compensation that you deserve by following through on your insurance bad faith claim. In some cases, you may actually recover an amount larger than what you were owed originally, if your insurance company’s behavior surrounding your claim was particularly terrible.

When Do You Have a Bad Faith Claim?

Bad faith insurance attorneys have experience in a wide variety of bad faith claims. Insurance bad faith claims can occur in both “first party” and “third party” scenarios. In a first party situation, an insurance company may improperly refuse to pay the full value on property that becomes damaged. Rather than investigating the damages and determining the true value of the property that was affected, an insurance company can break the insured’s trust by failing to determine the actual worth of the damaged property. This can result in the insured getting much less compensation than they deserve for the property that was damaged, all due to a poor investigation and valuation on the insurance company’s part. In some cases, the insurance company might also refuse to cover the costs of the damages altogether, failing to acknowledge an otherwise sound claim.

Third party situations, on the other hand, often involve cases concerning liability insurance. Liability insurance can be best understood as “risk financing”, which protects the insured party from the liabilities resulting from lawsuits and other similar claims. If the insured faces a lawsuit ( ), the insurance company owes it to their client to defend that claim, even if a portion of the lawsuit is not covered by the insured’s policy. The insurance company is responsible for paying any costs related to defending the claim, regardless of the actual policy’s coverage. An insurance company must also pay a judgement entered against the insured, up to the policy’s coverage limit. In this case, the final judgement must be for an act or omission that is covered by the insurance policy. In both first party and third party situations, there are certain expectations that the insured has once filing a claim, and there are subsequent duties that must be carried out by their insurance company. Insurance companies owe it to their clients to fulfil the obligations that are expected of them, or else they run the risk of enduring a bad faith claim. In these situations, a bad faith insurance attorney will have your back when your insurance provider does not.

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Posted by on November 21, 2017 in Law


How to Use Temp to Perm Agencies to Your Company’s Advantage

The temp to permanent employment refers to an arrangement where the company hires a contract employee from an agency. If the employee performs well and the company is satisfied, they may offer a permanent position to the contract employee.

Companies find the temp to hire work arrangement useful but temporary employment laws are complicated which is one of the things that hold companies back. However, the temp to hire employment can be simplified by using temp to perm agencies ( VitaminTalent/Temp-to-Perm-Agencies ). Here are some tips that show how you can use a temp to hire an agency to your company’s advantage.

Use Temporary Workers to Deal with Workload Fluctuations

The temp to hire is a flexible work arrangement that allows companies to stay current with the needs of the workforce. Unexpected peak periods, employee shortages, special projects are some of the work scenarios in which companies need additional headcounts.

Temp to perm agencies specialize in providing temporary employees who can help companies deal with such workloads. If the company feels the increased workload will continue for longer periods they can offer permanent employment to the contract worker.

Reduce Overtime

According to federal minimum pay rules; employees who have worked in excess of 40 hours in any seven day period are entitled to receive overtime pay from their employers. Do you know the overtime pay is 1 1/2 times the employee’s hourly rate? Your company’s operational expenses increase significantly with increased workloads.

The best way to keep your overtime hours down is hiring temporary employees from temp to perm agencies. The temporary employees would share the additional workload and your permanent employee is not required to work for extended hours. If the work does not require special skills, your supervisor can train temporary employees and get the work done.

Reduce Operational Expenses

The real employer of the temporary or contract employee is the temp to the permanent agency. In most temporary workforce arrangements, the temporary employee is not added to the staff roster of your company along with permanent employees. Your company is only entitled to pay wages for the hours of service rendered by the temporary employee. In most temporary employment arrangements, the client (where the employee works) is not required to pay health insurance or vacation to temps.

Eliminate the Probability of Bad Hires

The temp to permanent employment ( VitaminTalent/What-We-Do ) arrangement offers companies to test the temporary employee on all aspects such as required skills sets, behavior and cultural fit. It is very difficult for recruiters to find out information of all traits that will help in differentiating employee into a good one or bad one.

When companies hire a contract worker from temp to perm agencies they have ample time and opportunities to monitor the temporary employee and see if he/she is a perfect fit for the organization. This aspect of temp to permanent is very effective in eliminating the probability of a bad hire.

The above tips can help you gain maximum benefits when working with temp to perm agencies. Companies get certain advantages of using temporary employees through agencies without worrying about the contractual obligation of the employment.

Do you use temp to the permanent agency to hire temporary employees? Feel free to comment below.

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Posted by on November 20, 2017 in Employment


Three Reasons to Work with Creative Staffing Agencies in Los Angeles

The time may be right to hire the most talented graphic designer or the web guru. So, what’s next? Hiring creative staff is not easy. Without the knowledge of the skills to look for, which change all the time, you could end up hiring someone who is not perfect fit for the job.

There are lots of talented professionals working out there eagerly awaiting the next big opportunity. You may search endlessly but hardly be able to find the right person for that creative position. What you need is creative staffing agencies in Los Angeles ( VitaminTalent/Creative-staffing-agencies-los-angeles ) who can find talented creative staff for you. Here are a few reasons for working with a creative recruitment specialist.

1) Access to Better Quality Candidates

Recruitment agencies are known to maintain talent pools which contain pre-screened candidates ready to join companies when the right opportunity comes across. The creative recruiter is more likely to have designers, presentation specialists, writers and other creative people with amazing portfolios in their talent pool.

Some of the most creative people are passive candidates; they are already employed. The best creative recruiter would have good relationships with creative people no matter where they are in their careers. They can easily find the “hidden gem” for you that may be difficult to find on your own.

2) Save Time and Money

The average hiring time is 10-12 weeks, but it changes with industry and job specialization. Many companies note the time required for hiring, but ignore the costs which is a huge expense. The longer the position remains vacant, higher the opportunity costs; there is no productivity or the productivity is maintained by diverting other staff or temporary employee is hired.

Working with a creative staffing agency reduces the time to hire significantly. The agency can present you with suitable candidates within hours and not weeks. The candidates in agency’s talent pools are already screened for required skillsets. The agency also conducts various checks to reduce the probability of a bad hire. All these reduce the time required for onboarding and the position is filled faster.

When you work with a third-party recruiter all recruitment related tasks are managed by them. This means you don’t have to pay your in-house HR staff overtime for recruitment related tasks which adds to costs savings.

3) Find Perfect Hire

The best match in the employment is when the needs of both client and talent are perfectly synchronized. Professional recruiters ( VitaminTalent/What-we-do ) can customize the talent search for their clients to find the candidates with right skills and experience. The agency can provide a wide variety of candidates including permanent hires, temporary employees, or part-time workers.

At the same time, the agency also helps the talent find right opportunities that meet their career goals and ensure the candidate understands the organizational culture. Thus, the candidate you hire through a recruitment agency is likely to be a cultural fit and more likely to stay with your organization for a longer time.

Working with creative staffing agencies in Los Angeles has its own advantages. They help you find you a brilliant match who can light up your company strategy through inspiring designs, interactive presentations in the shortest time possible.

Do you know any other advantages of working with creative recruiters? Please feel free to comment.

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Posted by on November 20, 2017 in Employment


Become A Skilled Artist – Take Up a Creativity Training Program!

Each time you perform exercises that make the mind operational, you are in a way developing your life in most other aspects. If you have to think, you are giving your mind an exercise much like you might do for your looks. Even if you aren’t doing anything that is related to your area of study, you are aiding your mind to operate much better. If you need something to jog your mind and to help keep your thought processes clear and functioning well, you should consider taking a creativity training.

Taking up creativity training program can also be equally beneficial in case you are already an artist. You might learn new things about your interests, and you could also discover ways to push through thinking blocks. In case you are already a writer, a journalist, or a magazine editor, you can still benefit from the exercises included in a creativity training course. You can learn how to visualize improved and better story angles or, perhaps slants on articles that you may never be able to think about before you began.

The Benefits of Taking Up Creativity Training —

1. Low-Cost Education: Not everybody can meet the expense of college to do a four-year degree programme, with the additional cost of various other expenses during the course. Creative courses are generally low-priced alternative for individuals who do not want to take up a loan to go to a university. Many creative courses are similar to a four-year degree which offers employment to the students after the program. This makes them pretty useful for those who do not have the resources to shell out cash for a college grade.

2. Job Ready: Such type of courses formulates an individual for a precise job. It trains a person with the skills and abilities compulsory to do a specific job, such as creative writing, storytelling, photography, art, etc. Along with classroom guidelines, students are also trained through practical work. Workshop-based education is also emphasized to give the individuals hands-on knowledge on a given subject. This formulates the student for the job at hand and thus, he is capable of giving full integrity to his job, due to the vast understanding.

3. Easy Employment: Vocational education makes it stress-free for individuals to find work. Most of the employers prefer to hire an individual who has done a special training course rather than just a simple college pass out, as because in a special training program, a student is taught precisely for a specific job – the right education, practical knowledge, owns the right potentials, skills, attitude, and personality required at work.

4. Success in Career: People, who are by now working can choose a creativity training course to improve their skills and testimonials. The time period for the course is short, but the expertise that is imparted to students is fairly equivalent to the college courses, in terms of superiority. Thus, by doing a creativity training ( ) course, the expert can enrich an individual’s career forecasts and accomplish success.

The Real Benefits Of Creative Training And Innovation!

• Fresh ideas

• A more dynamic engaged workforce

• Greater resilience to change

• Increased adaptability

• Attracting more talented staff and aiding employee retention

Training in creativity and innovation should result in changes in working practices so that fresh thinking and new ideas are developed. Understanding how to be creative and how to make innovation at work a reality, are the most important steps in building organisations’ creative space.

The classes provide you with innovative thinking expertise and advanced techniques to help you unlock your creativity and innovation and transform your fresh ideas into reality.

To Sum Up

The classroom-based creativity training courses ( ) are a sure-fire way of paving your path towards becoming a good artist. But the most important point is, consistently strive to develop your innovative techniques; only then, your interest will develop in an enjoyable activity.

It just takes a creativity training program to become a skilled artist!

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Posted by on November 9, 2017 in Art & Craft, Education


Benefits Email Encryption Services Offer

Business organizations cannot function without emails, period. A lot of sensitive information is exchanged over the cloud and business organizations don’t want this information to be available to the public or their competitors. However, emails are not really safe when they are exchanged over public/insecure networks as hackers find a way to bypass these messages from their destination and eavesdrop on all the information they are not supposed to access. If you want to keep this information safe and avoid perpetrators, email encryption is the answer you are looking for.

What do Email Encryption Services Offer?

They basically ensure that the content of the message is readable only by the intended recipient and not anybody else. Encryption is nothing but locking your message with a secret code that is only shared with the intended recipient. Thus, even if hackers gain unauthorized access to your message, they won’t be able to read the message or access the attachments within. Generally, the following things are encrypted when email encryption is concerned: all your messages, connection provided by your email provider and lastly all your archived messages.

Benefits Email Encryption Services Offer

1. Safeguard Sensitive Information

Most certainly, these services ensure that all your sensitive information is safe. Business organizations communicate a lot of sensitive information related to their financials, customer information, employee information, future plans, investment and tax related information etc. All these details are supposed to be confidential. Email encryption services ( ) ensure that all of this information is safe when it is communicated over mails.

2. Avoid Information Leak

These days, information leaks or data breach is one of the serious threats business organizations are facing. Once hackers gain access to sensitive information they make it public on online forums and the reputation of the company goes for a toss after this. Email encryption services ensure that such data breaches don’t happen, and sensitive information remains secretive.

3. Prevent Hacks

If your emails are not encrypted, there is a great chance that hackers will gain access to the usernames and passwords to your systems and use your emails as a disguise to spam others. This act is known as phishing and if your company identity is used to phish others, it is a serious blow to your reputation and credibility. With email encryption services by your side, you don’t have to worry about system hacks, identity thefts or phishing attacks.

4. Effortless and Cost Effective

Accessing email encryption services is an effortless and cost-effective process. There is no additional hardware or software ( ) required for email encryption, meaning you don’t have to make any changes to your existing email server or system. All the encryption services are integrated to your existing email system, thus making is effortless and cost-effective for you to use email encryption.

5. Avoid Deletion of Messages

There are many instances when conflicts arise over messages disappearing from inboxes or messages deleted intentionally/by mistake. Almost every email is important in business organizations and email encryption services ensure that all the mails are retained as it is difficult to delete encrypted mails.

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Posted by on November 9, 2017 in Software


Ways to Sell My House for Cash

Selling your house for cash instantly can greatly reduce a major problem that you might be going through in your life. If you are going through a divorce, are behind in your payments, can’t afford the improvements in your existing home, or you have a house that you inherited. If you sell your house fast for cash, you can instantly get rid of a lot of debt and many of the troubles you are currently facing in your life. It can be easier than you think to sell your house to someone who buys houses for cash and move on.

The Many Benefits of Selling Your House for Cash

1. Save you time and money: Cash buyers buy your house fast. Do not undervalue the power of this. We all know that time is money, and it couldn’t be any truer than in real estate. Forget about calculating the actual value of your personal time that gets eaten up while selling a house, just owning a property is extremely expensive. The insurance, taxes, maintenance, and utilities can easily eat up thousands of dollars while selling your home the traditional way. However, if you approach a house buying agency, you could sell off your house instantly and all that money could stay in your pocket.

2. Help you get on with life: If you sell your house for cash ( ), you can get on with living your life yet again. Now this type of dealing works for both owner occupants and landlords alike. Investors who bought properties to use for rental income, sometimes find themselves in a tough financial situation if tenants stop paying their rent and seize their property. This is when you want to sell your house for cash instantly and move on again. Goa head and approach a couple of house buying companies.

3. Avoid Frustrations: I considered getting rid of the frustrations the number one benefit for selling my house for cash, but a quick sale is just too important. Repairing every nook and corner of your house, keeping your house in show ready condition, picky buyers, window shoppers, having to leave your home on short notice for a showing, nosy neighbors, worrying about when or if your home will sell, negotiating with buyers, and mostly just the uncertainty of it all – these are just a few of the ways that selling a home can be frustrating.

4. Cash is King: Which would you rather have? A house worth $200,000 or $200,000 cash in the bank. Of course, you would rather have the cash as you can do anything you want with that. If you have a house you have to sell it instantly to get the quick cash. As said, “Cash is King”, so getting a quick cash offer is very likely your best option.

Selling a house or condo can be expensive, time-consuming, and extremely stressful. The cash house buying companies can dispose of that stress and give you the peace of mind that comes after knowing that your house hassles are completely done – without having to repair it, wait for buyer financing, or expel the tenants. And, it all happens SO FAST.

Such agencies work with people every week who need to sell their house fast…

From people in foreclosure, going through a divorce, those who own a vacant inherited house, relocating and can’t sell their house… to landlords tired of dealing with tenants, the jobless folks, to people who owe more than its worth, on their house and listing with a real estate ( ) agent is just not an option.

So, go ahead and sell your house for instant cash!!

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Posted by on November 8, 2017 in Real Estate


Dental Insurance Explained

Healthcare costs in San Antonio, TX are growing at a rapid clip. Studies show that Dental care costs have shown a much higher growth of increase compared to other departments. The reason for the sharp inflation can be attributed to the increasing costs of medical insurance, wages of qualified assistants and the introduction of advanced techniques thanks to research and development. Most people though, would prefer to put off a visit to the dentist, fearing the heavy bills that could result. This is certainly not a welcome course of action. Left unchecked, infections could spread to the throat and jaw muscles. A treatable condition like gum disease, if left unchecked could lead to heart trouble. In some cases like accidents, dental care cannot be postponed and more than one session is required. So, dentists certainly do not want their patients scrimping on their dental care costs. Dental Insurance ( ) helps to reduce the financial impact of dental care consultations for a low premium.

How Does Dental Insurance Work?

Dental Insurance is not much different from health insurance, except in the scale. The insurer offers to insure the policyholder’s dental care costs for a fixed period of time, commonly for a year. The premium set by the insurer depends mostly on the age and health of the policy holder and the amount of coverage required. So a young college graduate in good health could expect to pay much lower for their dental insurance than an older person. For a higher coverage, a higher premium is charged from the policyholder. Insurers mostly limit their maximum coverage. Insurers ( ) set up networks of dentists in different regions where the policyholders can go for consultations.

Policyholders have to pay a compulsory deductible for undergoing dental procedures- a major percentage of the bill is paid to the dentist by the insurer. The deductible is often 30% for minor procedures and can go up to 50% for major procedures like dental surgery and implants. Policy wordings are extremely important as some procedures and conditions are not covered by insurers. It is best to go through the terms and conditions with a good insurance agent in San Antonio before signing on the dotted line, since different insurers write their dental insurance policies differently.

Annual Maximum Benefit

The Annual Maximum Benefit is a unique and tricky aspect of dental insurance plans. Insurers use the Annual Maximum Benefit to limit their potential payout in case of repeated dental visits made during the policy’s term. So if the policyholder uses up a part of their Annual Maximum Benefit through a dentist visit, the coverage by the insurer reduces by a certain ratio on subsequent visits. Insurers also have a set number of visits to the dentist beyond which payouts are not given.

Dental insurance can take a lot of financial worry off one’s chest if chosen correctly. Ask around in San Antonio for a good insurance agent who can help you make an informed choice.

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Posted by on November 7, 2017 in Insurance