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adjustingto6figu

Staying Focused While Self-Employed: 4 Tips for Independent Adjusters - 0 views

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    The freedom of self employment is a perk of being an IA, but there are also challenges. This post gives tips for staying focused while self-employed.
adjustingto6figu

Self Employment Tax Tips: 4 Tips for New Independent Adjusters - 0 views

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    Self employment tax tips for independent insurance adjusters in their first year. Self employment taxes don't have to be daunting with these tips.
adjustingto6figu

Planning for Retirement as an Independent Adjuster - Adjusting to 6 Figures - 0 views

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    An estimated 13% of the American workforce consists of independent contractors, including many independent adjusters. Being self-employed, and/or working under the protection of a business entity such as a Limited Liability Company (LLC), means that you aren't privy to benefits that W2 employees may have. Retirement planning - including employer contributions and the ability to defer your own pay, tax-free - is one of those major benefits. You'll be happy to know, however, that there are retirement planning opportunities for the self-employed (including independent adjusters) that offer similar - if not superior - opportunities.
adjustingto6figu

Protect Your Business with the Right Checking Account - 0 views

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    As a self-employed, independent adjuster, one of the first things to do for your business should be setting up a bank account. Most people already have a personal checking account but you should establish yourself the right way with the right checking account. There are a lot of benefits to having a business account but here are some of the top reasons you must have a separate account for your adjusting business.
Anne Bubnic

Curbing Cyberbullying in School and on the Web - 0 views

  • Many of the most egregious acts of cyberbullying do not take place during school hours or on school networks, a situation that presents a dilemma for public school administrators: If they punish a student for off-campus behavior, they could get hit with a freedom of speech suit.  If they do nothing, students may continue to suffer and school officials theoretically could get hit with failure to act litigation. For school administrators, it appears to be an unfortunate “catch-22.” For lawyers, it’s a “perfect storm,” pitting freedom of speech advocates against the victims of cyberbullying and schools that try to intervene. There are no easy answers in this arena, few laws, and no well-established precedents that specifically deal with cyberbullying.
  • “School administrators can intervene in cyberbullying incidents, even if the incidents do not take place on school grounds, if they can demonstrate that the electronic speech resulted in a substantial disruption to the educational environment.”
  • These cases illustrate not only a lack of precedent on cyberbullying cases, but also a dilemma for school administrators on how to handle cyberbullying.  “There are few laws that address how to handle cyberbullying, and many schools don’t have an internal policy to deal with cyberbullying that takes place off-campus,” offers Deutchman.  “It may take an unfortunate and tragic event on school property to get more schools to consider tackling electronic behavior that originates off campus.  It’s only a matter of time before a cyberbully, or the victim of cyberbullying, uses deadly force during school hours.”
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  • So, what should schools do in the meantime?  First, school officials should establish a consistent internal policy (much like a crisis plan) and a team (minimally made up of the principal, school counselor, and technology director) to deal with cyber-misconduct. This team should fully document disruptive incidents and the degree to which the learning environment is affected. The principal should invite the cyberbully’s parents to review the offending material before considering disciplinary action. Most parents at this point will do the right thing.
  • Second, schools should educate children, starting in elementary school, about the importance of cyber-safety and the consequences of cyberbullying, especially on the school’s own network. These rules should be clearly posted in the computer labs and written in age-appropriate language. The rules should be sent home to parents each year—and they should be posted prominently on the school’s website.
  • Third, teachers should continue incorporating in their curriculum projects that utilize the web and other powerful new technologies. This probably won’t help schools avoid lawsuits; it’s just good pedagogy. It’s not surprising that schools that keep up with the latest technology and software—and employ teachers who care about the quality of online communication—report lower incidents of cyber-misconduct.
  • In addition, schools should update their codes of conduct to include rules that can legally govern off-campus electronic communication that significantly disrupts the learning environment. They should also assign enough resources and administrative talent to deal with students who engage in cyber-misconduct. One very big caveat: Disciplining a student for off-campus electronic speech should be done only as a last resort, and certainly not before seeking legal counsel.
  • Finally, schools should realize that not all cyberbullies need to be disciplined. Schools should act reasonably, responsibly, and consistently—so as to avoid the very bullying behavior they are trying to curb. Until the courts provide clear standards in the area of off-campus electronic speech for young people, these recommendations will go a long way in making schools a safer learning environment for everyone.
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    Most school administrators have more than one story to tell about cyberbullying. They report that victims of cyberbullying experience low self-esteem, peer isolation, anxiety, and a drop in their grades. They note that victims may miss class or other school-related activities. Principals also point to recent high-profile cases where cyberbullying, left unchecked, led to suicide. In response, some schools have created new policies and curbed free speech on the school's computer network and on all electronic devices used during school hours. This article offers practical advice for actions schools can take to curb bullying, ranging from policy development to education.
adjustingto6figu

Financial Management for Independent Adjusters: Tips for Dry Spells - 0 views

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    Financial management for independent adjusters is important but often overlooked. This post gives tips on planning for dry spells.
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