Wednesday, December 29, 2010

New OSHA Ruling Clarifies Key Residential Safety Regulations | LoanSafe.org

New OSHA Ruling Clarifies Key Residential Safety Regulations LoanSafe.org

Nueces County Record Star > Local News > Construction company penalized $87,000 by OSHA

Nueces County Record Star > Local News > Construction company penalized $87,000 by OSHA
O.S.H.A. SAFETY CERTIFICATION COURSES
MAKE SURE YOUR EMPLOYEES ARE QUALIFIED
COURSES VALID NATIONWIDE 100% ONLINE - START TODAY!
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Missouri Bank Sues Over Hacker

Missouri Bank Sues Over Hacker
Is your business properly insured for Cyber Liability?
Contact us today!

Connecticut Truck Safety Effort Yields 28,000 Citations

Connecticut Truck Safety Effort Yields 28,000 Citations

Best Affirms Progressive and Subs 'A+' Ratings; Outlook Stable

Best Affirms Progressive and Subs 'A+' Ratings; Outlook Stable
Get your M.J.F. Agency Progressive Quote today! We also offer snowmobile and A.T.V. coverage

PhantomAlert.com: No More Speeding Tickets - Home

PhantomAlert.com: No More Speeding Tickets - Home

PhantomAlert.com: No More Speeding Tickets - Home

PhantomAlert.com: No More Speeding Tickets - Home
Click On The Above For More Information On The PhantomAlert.com!
#Tickets,Red Lights, Red Light camera's, Speed Traps

Tuesday, December 21, 2010

Online C.P.R Certification & Recertification Courses

# www.mjfonlinecpr.webs.com online courses for CPR CERTIFICATION,FIRST AID, BLOODBORNE PATHOGEN, PRO HOME SAFETY. USE discount code CPR-1865
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Changing Auto Insurance Companies?

Changing Auto Insurance Companies May be Easier Than you Think!

There are many reasons why you may choose to change your auto insurance coverage to another company. Perhaps you’ve found another company that offers you the same amount of coverage for considerably less money. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you’re unhappy with the service that your present company provides. With the growth of the internet and quote comparison sites, investigating your options has never been easier!

Why change to a new Auto insurance carrier?

You need to regularly review your auto insurance coverage to make sure that you are receiving the best insurance value for your money. You will discover that it pays to shop around. In some states, premiums for identical policies vary widely among different auto insurance companies. The reasons for this price variation can be very complicated, but they boil down to a company's claims experience with policyholders in a coverage group (e.g. people of similar age, number of accidents, type of vehicle). For example, if a large number of people in a coverage group files claims during a given year, their rates will likely rise. When this happens, better discounts and lower overall premiums may be available at other insurance companies. When you decide to switch your auto insurance to another company, you’ll find that it's fairly easy to do so.

How to cancel your old Auto Insurance policy

Generally, all you need to do to cancel your auto insurance policy is to inform your insurance company in writing, specifying the date you want the policy canceled. In some states, the new agent must notify the previous agent of the policy change. Some auto insurance companies ask the policyholder send back the actual printed policy. The insurance company will send a cancellation request form that will need to be signed and returned. Examine the form carefully to make sure that all information regarding the policy is correct. If the form is not received within two weeks of sending the letter, call the agent or company immediately to check on the status of the cancellation. Don't just walk away from the old policy without formally canceling it. Each state requires that auto Insurance policies be cancelled with notice, thus the insurance company might assume one wished to continue the coverage, and it might eventually terminate the policy for failure to pay premiums and report the lack of coverage to the state Department of Motor Vehicles. This can hurt your credit rating and ability to get a new policy.


Be sure to get a new Auto Insurance policy first

Always have a new policy in place before canceling the old auto insurance coverage. Otherwise you might have a gap in protection for a day or more! Most states require all drivers to carry a minimum level of auto insurance and most insurance companies require policyholders to present proof of new coverage before they will cancel an active policy. The new company will be able to time the beginning of the new policy to coincide with the cancellation of the prior coverage.

When to Change Auto Insurance policies
At Renewal

Renewal is a convenient time to change auto insurance policies, as you don’t have to wait for a refund from your current carrier. A renewal notice will be sent to you approximately 30 days before a new policy begins, depending on the regulations in your state. Should you decide to switch companies, you’ll need to have a new policy by the time the current policy renews. Though a company might say there is 10-30 days to get your payment in before a policy terminates, you do not have coverage until the carrier receives the payment. If you have an accident during this time period you most likely will have no coverage since the premium wasn’t paid!

Anytime:

All Auto insurance policies contain a provision allowing you to cancel your policy with proper notice at any time. In a few states auto insurance companies “short rate” the policy that means one pays a penalty for canceling before the policy renews. Most insurance companies pro-rate their policies so there is no penalty. The advantage of switching before the renewal date can save you a lot of money. For example if you have a policy that runs from Jan 15th to Aug 15th and you have an accident or ticket that will be over 36 months on March 15th. By switching Auto insurance companies on March 16th, you get a discount for having a clean driving record. Your current carrier won’t apply this discount until the policy renews on August 15th! This can save you Hundreds of dollars immediately!

How long does it take to change Auto insurance?

When you change auto insurance companies, the new agent or insurer can generally change carriers while you wait! Generally they’ll just need a copy of your current declaration page, driver’s license and down payment to get the policy issued.

So why not get started today

Contact us at:
www.mjfinsuranceagency.com
or
www.mjfinsurance.com

For your quote!

Monday, December 20, 2010

The Hartford Expands Workers' Compensation Billing System Availability by Insurance & Technology

The Hartford Expands Workers' Compensation Billing System Availability by Insurance & Technology

Simple Payroll Solutions

M.J.F. offers payroll services through Simple Payroll Solutions. You may ask why does an insurance agency offer such a poduct? It is a tool we use for our new Pay As You Go Workers Compensation Product in New York and New Jersey.

You are probably asking why leave companies like A.D.P. or other well known payroll companies. The reason is we can place your workers compensation and deduct it through your payroll. The advantage is Simple Payroll Solutions does not charge a fee for your payroll service, which automatically saves you money and we only need the first month premium to bind. Most companies require large premium deposits upfront, this also creates financial leverage or liquidity for your business. Secondly, you are now paying for actual payroll and not estimated payroll. No need for an audit at year end because the premium will be accurate. No refunds due the company and no additional premium required on estimated payroll that comes up short.

Then we can review your other insurance policies to save you additional premium and make sure you are properly insured. It's a win win for the business owner all around.

Contact us today to schedule an appointment to discuss our Simple Payroll Solution product and start saving money. It's the perfect way to start off the New Year! You work hard for your money and deserve to reap the benefits. Why should you just hand over fees for unnecessary fees to another company.

www.mjfinsuranceagency.com
866-983-8726

Health Savings Accounts - HSA Health Insurance Plans

What is an HSA?
A Health Savings Account, or HSA combines high deductible health insurance with a tax-favored savings account, similar to a 401(k). Money in the savings account helps pay the deductible. If the deductible is met, the insurance starts paying. Money left in the savings account earns interest and is yours to keep or spend on qualified medical expenses. There is no “use it or lose it” restriction with an HSA.


What are qualified medical expenses?
HSA savings can be used to pay for many types of medical expenses beyond what is covered by your insurance plan. These expenses include dental services, vision, alternative medicine, long-term care services, prescription drug and certain over-the-counter drugs.


Who is eligible for an HSA?
Anyone who is not entitled to Medicare can accumulate tax-favored savings for healthcare needs. You must have a qualified high deductible plan to receive the benefits. The current minimum deductible amounts are $1,100 for a single and $2,200 for a family. HealthPlanOne clearly identifies plans that qualify for HSA tax savings accounts. Simply use our Refine Search tool to include only HSA’s.

There are 2 steps to setting up an HSA:
Select and apply for a qualified HSA health plan
Wait for your application to be approved
Set up an HSA tax favored savings account with your insurance carrier or our affiliate.
If you contribute money to your HSA account, your health coverage could be FREE!
Assume that you are a self-employed individual. You purchase an HSA policy and make a significant tax-free contribution. The resulting tax savings might pay for the health care premium!

It would work like this. You purchase an individual HSA policy with a $2,500 deductible for $1,400 per year. You then contribute the maximum $2,500 to your HSA account. The tax savings would be $1,380, very close to the cost of a high deductible medical policy: Annual Cost Tax Bracket Tax Savings
Insurance Premium $1,400 45% $630
HSA Contribution $2,500 30% $750
Total Savings $1,380


Even if you incur $500 health care expenses for the year, you still will have paid for the cost of the policy with tax savings and have $2000 of your savings in an tax preferred, investment account.

The example assumes you have a combined federal and state tax rate of 30% and an additional self-employed payroll tax of 15%. Tax rates will differ based on your situation.

To find out which plans qualify for HSA treatment, simply search the plans and then use our Refine Search tool to include only HSA's

For more information contact us at
www.mjfinsuranceagency.com

Buying Health Insurance - How to Get the Best Health Insurance Plan for You

Buying health insurance is one thing, but buying the best health insurance for you can be tricky, especially when there are so many options and so many factors to consider. Before you get health insurance, you will probably want to create a health insurance comparison sheet. You can break down each plan by cost and benefit. Below are some important constituents that make up health insurance plans.

Important items to consider when buying health insurance:

The hospital and physicians that are in the network of the plan you choose.
You can start your health insurance comparison by asking yourself if you have a favorite hospital or physician. You'll want to make sure they are included in the network of any plan you consider purchasing.

Doctor visit copay.
When you get health insurance, a number that will often come into play is your plan's copay. The copay is the amount you will pay each time you visit the doctor.
Prescription benefit and copay.

Some plans do not include prescription drug benefits-you'll want to keep this in mind while you make your health insurance comparison. If coverage is included, the copay is the amount you will pay per prescription. The copay often differs depending on whether the drug is generic, preferred, or brand name. Before buying health insurance, you should calculate your current and estimated future cost of medications and determine your best value.
Annual deductible.

This is the annual amount of medical expenses that you are responsible for before your insurance begins paying. Usually, prescription drug copays mentioned above do not go towards this deductible.
Coinsurance.

Another factor you will want to consider in your health insurance comparison is the plan's coinsurance--the amount your carrier expects you to pay toward your medical expenses-typically this is 20-30% for in-network providers. The coinsurance amount is typically 20% high for out-of-network providers. The coinsurance maximum is the limit on how much coinsurance you might have to pay each year.
Out of pocket annual maximum.


Buying health insurance will always involve some amount of out of pocket maximum. The out of pocket maximum is the most you will be expected to incur annually. It is the sum of your deductible and maximum coinsurance amount.

Contact us for a quote at
www.mjfinsuranceagency.com

Lifetime maximum coverage.
After you get health insurance, your plan will pay out a certain amount over your lifetime. Typically this number is $1 million to $5 million. With the high cost of medical care it can be beneficial to have a higher coverage amount.

Premium.
Perhaps the most basic number to consider before buying health insurance, your premium is the amount you must pay each month for your policy. Premium is impacted by all of the attributes above. For instance, if you get a health insurance plan with a higher deductible policy, your premium will be lower, but you will have to pay more money out of pocket before your insurance kicks in.

HSA Qualified Plans.
HSA's are high deductible health plans which enable you to put money aside pre tax to pay for certain medical expenses. Most people like to weigh the costs and benefits of HSA's in their health insurance comparison.

Remember, it is one thing to get health insurance, but it is another to be sure you are purchasing the best available plan. If you have any questions about any of the above factors, a broker can walk you through each item.

Economist: Trucking sector improves in second half of 2011 | The City Wire

Economist: Trucking sector improves in second half of 2011 | The City Wire

OSHA extends comment period for proposed new interpretation of its provisions for Feasible Administrative or Engineering Controls of Occupational Noise - 12/20/10

OSHA extends comment period for proposed new interpretation of its provisions for Feasible Administrative or Engineering Controls of Occupational Noise - 12/20/10

Thursday, December 16, 2010

Why Carrying The Minimum Required By Law May Not Be A Good Choice For You When It Comes To Underinsured / Uninsured Motorist Coverage

underinsured motorist coverage Definition

We always Recommend Having $100/300,000 in coverage. Do you know how much coverage you have on your auto policy? Chances are if your like most drivers you aren't sufficiently covored. Contact us for a quote today to fully protect you, your family and your car.

Tuesday, December 14, 2010

Kiss It Goodbye: CPR Loses Mouth-To-Mouth | WBUR

Kiss It Goodbye: CPR Loses Mouth-To-Mouth | WBUR Get Certified or Recertified Online for C.P.R. and more at www.mjfonlinecpr.webs.com

Social Media More Important Than Ever For Small Businesses - Small Business Marketing News - Small Business News - Entrepreneur Resources

Social Media More Important Than Ever For Small Businesses - Small Business Marketing News - Small Business News - Entrepreneur Resources

Prevent NJ Doctor Shortage - Step Up Medical School Funding, Improve Business... -- LAWRENCEVILLE, N.J., Dec. 14, 2010 /PRNewswire/ --

Prevent NJ Doctor Shortage - Step Up Medical School Funding, Improve Business... -- LAWRENCEVILLE, N.J., Dec. 14, 2010 /PRNewswire/ --

Pennsylvania Insurance Department: Holiday Season and Homeowners Coverage Can Go Hand-in-Hand -- HARRISBURG, Pa., Dec. 13, 2010 /PRNewswire-USNewswire/ --

Pennsylvania Insurance Department: Holiday Season and Homeowners Coverage Can Go Hand-in-Hand -- HARRISBURG, Pa., Dec. 13, 2010 /PRNewswire-USNewswire/ --

Federal Motor Carrier Administration's CSA 2010 Launches | GPS Fleet Tracking / GPS Fleet Tracking System / Green Fleet Management

Federal Motor Carrier Administration's CSA 2010 Launches | GPS Fleet Tracking / GPS Fleet Tracking System / Green Fleet Management

Truck techs getting even tougher to find

Truck techs getting even tougher to find

Workers Comp Kit Blog Workers

Workers Comp Kit Blog Workers
M.J.F. Has carriers to place your Workers Compensation. Contact us today via www.mjfinsuranceagency.com

Saturday, December 11, 2010

Has your auto's warranty expired? Cover your car for mechanical breakdown. Wear and tear coverage on some parts. (cont) http://tl.gd/7eebsl
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Wednesday, December 8, 2010

M.J.F. Insurance Agency, Inc. Appointed in Florida

On December 8, 2010 M.J.F. Insurance Agency, Inc was appointed in the State of Florida. We look forward to bringing you further announcements in regards to new insurance programs that we can write in the state.

Saturday, December 4, 2010

OSHA alleges violations in Galveston and Conroe | Business | Chron.com - Houston Chronicle

OSHA alleges violations in Galveston and Conroe | Business | Chron.com - Houston Chronicle

www.mjfinsuranceagency.com for your O.S.H.A. certification 100% online, no waiting for an instructor to come to your town.

Trucking companies cope with delays - Business - The Buffalo News

Trucking companies cope with delays - Business - The Buffalo News

Managing Risk For Small Business Owners

Gwinnett Business Journal

Finding a Sweet Deal on Classic Car Insurance - FoxBusiness.com

Finding a Sweet Deal on Classic Car Insurance - FoxBusiness.com

Click on the Hagerty Banner in the right column for your Hagerty quote. You can then call M.J.F. or bind your policy online. 866-983-8726
If your not on our blog you can go to
www.mjfinsuranceagency.com to quote your car
We write in NY,NJ,CT,FL,PA and SC

Lady Gaga's WikiLeak | Fast Company###

Lady Gaga's WikiLeak | Fast Company###

Is Your Business Covered for data breach. It can be very expensive if you have a lot of clients personal date jeapordized. Make sure your company is protected in case your system is hacked or are a victim of employee dishonesty.

Friday, December 3, 2010

New Jersey Thunder Motorsports - Hot Rod Events, Monster Trucks, Motocross

New Jersey Thunder Motorsports - Hot Rod Events, Monster Trucks, Motocross

Terry's Top 10: Best things to do in December on the Grand Strand - Myrtle Beach Blog - Myrtle Beach, SC

Terry's Top 10: Best things to do in December on the Grand Strand - Myrtle Beach Blog - Myrtle Beach, SC

New health insurance credit for S.C. companies | McClatchy

New health insurance credit for S.C. companies | McClatchy

Pay-As-You-Drive Insurance Coming - Sacramento News Story - KCRA Sacramento This is the Second Story I Have Seen Recently On This Type of Plan

Pay-As-You-Drive Insurance Coming - Sacramento News Story - KCRA Sacramento

Port Authority rule forces truckers to replace aging trucks in effort to reduce emissions | NJ.com

Port Authority rule forces truckers to replace aging trucks in effort to reduce emissions | NJ.com

Workers Comp Kit Blog Workers Blog Archive » Florida Workers Compensation Basics 101

Workers Comp Kit Blog Workers Blog Archive » Florida Workers Compensation Basics 101

III - Smoke Detector Safety

III - Smoke Detector Safety

III - Fire

III - Fire

III - Identity Theft

III - Identity Theft

Contact M.J.F. About Identity Theft Coverage

Commercial Insurance Policy Financing in N.Y. As Low as 9% A.P.R. on Most Risks

If you are financing a commercial insurance policy in New York State, you are probably paying too much interest. Contact us today and let us finance your commercial insurance policy, whether its a new policy or upon renewal. We can finance as low as 9% annually in most cases. All we need is a copy of the new or renewal premium and your decleration page. Your paperwork can be faxed to M.J.F. Insurance Agency at 866-456-7905 and request that the information is being provided for a finance agreement quote. Our phone number is
866-983-8726 for additional information.

Thursday, December 2, 2010

Wednesday, December 1, 2010

Many homeowners misinformed on insurance coverage | Insurance Corner - Latest News

Many homeowners misinformed on insurance coverage | Insurance Corner - Latest News

Homeowners Insurance: Four Tips to Keeping Costs Down -- ST. LOUIS, Dec. 1, 2010 /PRNewswire/ --

Homeowners Insurance: Four Tips to Keeping Costs Down -- ST. LOUIS, Dec. 1, 2010 /PRNewswire/ --

Protect Against Mounting Risks from the Business of Medicine | Physicians News



Protect Against Mounting Risks from the Business of Medicine | Physicians News


For more information and a no obligation quote contact us at www.mjfinsurance.com

Taxpayers to Expect Delayed Tax Returns in 2011 Due to A Change in I.R.S. Processing

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Trucking News

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Test Those Smoke Alarms!

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