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 Laws allow public employers to mandate a 20 percent contribution from their employees for health insurance

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The costs of health insurance have been the cause of disagreement for quite a while among 4 sheriff’s department unions. In a hopeful bid to put an end to these disagreements, Grand Traverse County Commissioners gave approval to some offers.

On a Wednesday eve, a consensus was reached by both captains and a unit of truck drivers standing in for sheriff’s lieutenant, which allowed them to settle their common grudge. The county presently has a petition in the labor court, and the acceptance of the proposition to other unions would put an end to their appeal.

The commission’s chairwoman Carol Crawford said: “let’s wait and see if they will accept the offer.”

The state laws allow public employers to mandate a 20 percent contribution from their employees for health insurance. Now, how this law relates to preceding contracts will influence the acceptance of offers made. It was what the commission did the previous year to 13 bargaining association of the county, which up till that time, the majority were paying 6 percent premium.

The county was able to save costs from the recent development but was a considerable blow to employees whose family health insurance rose from $73.61 to $245.38. This caused many officials of associations in the county to complain of inequitable labor practices. Many wavered, apart from those representatives of sheriff’s office, and they stuck majorly cause their contract runs till 2018.

A recent verdict reached by the panel of the Michigan Employment Relations Commission gave victory to 4 sheriff’s union. Up to $150,000 paid for health insurance would be given back to correction officers, sergeant, deputies, and clerical employees; that’s if the county officials do not file for an appeal.

Offers approved by the commissioner will recede a county petition if 4 unions of Michigan police officers are willing to settle their differences. On Thursday, a POAM business representative by name Dan Kuhn said before making any comment; he has to go through the proposed settlement agreement. Kuhn further noted that under the administration of Tom Menzel, county officials and unions didn’t have a good relationship, and hoped things would be better in Vicki Uppal administration.

According to county labor lawyer, Peter Cohl, the agreement with the truck drivers have put an end to the issues with the union. The county was able to save money and cost from the rise in premium, he said.

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Tax planning and Tax preparation

There is a significant misconception that tax planning and tax preparation means the same thing. In this article, we are going to see the difference between the two of them. 

Tax Preparation

This is the procedure used in preparing and lodging for a tax return. Typically, this is done once and involves appending your signature to the return and getting to know if you are in debt to the IRS or will be getting a refund.

Most people see tax preparation as visiting your CPA once or twice during the tax period to provide the financial information needed to prepare your tax return whereafter you sign them. Your CPA will also ensure that your tax return abides by both federal and state tax laws.

Alternatively, lawyers enrolled agents, or someone who prepares tax (might not be certified) could be employed by taxpayers to prepare their tax. Occasionally, people make their tax returns and lodge them with the IRS themselves. However, whoever is in charge of preparing your tax should be someone you trust, and they should be experienced in tax preparation. They should also ensure to make no mistake while filing your tax and should do so when due.

Tax Planning

Unlike tax preparation, which is a one-time event, tax planning goes on throughout the year. For tax planning, individuals and business owners are better off employing the service of more qualified and experienced CPAs and miami accountant as opposed to just any tax preparer. Tax planning includes, but not limited to the following:

  • Maximizing deductions
  • Counterbalancing investment gains using tax-loss harvesting.
  • Increasing payments to a retirement account
  • Knowing the appropriate time to venture into capital expenditures to enjoy tax benefits.

Another essential part of tax planning is keeping records, as it enables more manageable quarterly tax payment, and so helps in tax preparation for the coming year.

Surprisingly, most taxpayers do not plan their tax despite the advantages to it. Planning your tax will help reduce financial obligations in the coming year’s tax return. Though you might need to allot more time to see your accountant, in the end, it’s all worth it. More time with your accountant now means you will know what to do to reduce financial obligations during the coming year’s tax return.

How to Recover from Deindexation Of Your Site by Google

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It can be devastating to discover Google has deindexed your site. One minute your website is doing great, and the next minute, you’ve lost all your organic traffic. When such happens to you, try not to panic and remain calm.

You can always get Google to reindex your site, although you will need time to get your rankings back. The first step in getting your site reindexed is by knowing the reason it was initially deindexed.

Why would Google deindex a site?

Two reasons that could cause your site to be deindexed are

  • A manual action was carried out on your site by Google. Or
  • Either knowingly or unknowingly, an error was made in your website’s code.

If it were a manual action that was carried out on your site, Google would typically send a notification to your search console with details of your violations. This type of action would be carried out majorly when your website goes against Google’s webmaster quality guidelines. These guidelines should be adhered to strictly, to remain in good terms with Google.

In this article, we will be discussing reasons for deindexation, solutions, and procedures to follow to recover.

Suspicious Links Coming from And Going to Your Site

This could result from any of the following

  • Getting excess inbound links to your site within a short period. This gives Google the impression that you are purchasing the links.
  • Engaging in exchange of links.
  • Spamming blogs with comments.
  • Making inferior posts on guest sites.

Solution

Your backlink profile should be audited if manual action was carried out on your site due to unnatural/suspicious links. In the course of the auditing, those links that are relevant and organic should be identified, while a list of irrelevant and suspicious links that need to be disavowed should be submitted. You should also lodge a reconsideration request telling what the issue was and things you’ve done to rectify the infraction.

Content Concerns

Thin contents, duplicated, auto-generated, and not original all go against Google’s guidelines. Wrong spellings and grammar and such contents types listed are all regarded as low quality and are bad for your site’s rankings.

Solution

You most likely will know the pages been affected if you are engaging in an auto-generation or creation of contents that are not original. Pages with thin or duplicate content on your site can be harder to identify.

Therefore, you should make do of an SEO crawler. When detected, such low-quality content should be enhanced or else remove them entirely. Lastly, do not forget to lodge a reconsideration request.

Cloaking

When you are providing two separate content or URL to search engines and users, what you are doing is called cloaking and is an offense against Google, which will lead to a manual action.

Solution

Occasionally, it might not be your fault when cloaking occurs. For instance, if behind your subscribers’ paywall, there is content, then it might seem like cloaking. The right action to take when posed with this kind of issue is website restructuring using JSON-LD. Google has provided instructions on how to go about this.

Another instance could be when your website is hijacked by hackers, as they mostly use cloaking in making users visit shady sites. This particular issue can be fixed through a quick scan of your site to find and fix pages that are compromised. Alternatively, you could employ services like Sucuri to do the cleaning for you. A reconsideration request should be filed after the fixing.

Spammy Structured Markup

Rules are guiding structured data, and once you go against them, you will receive a manual action that could result in the deindexing of your website.

Solution

The first thing to do is identifying significant causes of manual actions due to structured data. And with the notification sent to your search console, find where the problem lies. Another way of finding the faults is by using Structured Data Testing Tool and as always fill a reconsideration request.

Mistakenly Asking Google To Deindex Your Website

Applying the noindex directive on a page will cause Google to deindex that page. Occasionally, one can mistakenly use such instruction and have their site deindexed.

Solution

Check your page to be sure the noindex directive is not active. Also, go through your settings to be sure you’ve granted permission to Google to crawl your website.

Domain Expiration

Nonrenewable of your domain name will automatically cause Google to remove your site from their search results.

Solutions

Try not to allow your domain to expire before you renew it. Set reminders or employ services like StatusCake’s domain monitoring to remind you when your domain is about to expire.

Server Crash

If your site crashes and you don’t fix it for a long time, it will automatically be removed from Google’s index.

Solution

There are web services that you can subscribe to, which informs you of issues with your site should any occur. With that, you will be able to fix the problems with your site promptly before Google takes any action against them.

Changes In Google’s Algorithm

If there are recent changes to Google’s Algorithm, then the issues you are facing might be due to those changes.

Solution

Check to be sure that you are not breaking any rule that might have been implemented in the new algorithm. You could also cross-reference the period you started having the issues to when the updates were made.

Once you’ve resolved all these issues talked about, there are other steps to take to reach full recovery.

  • File a reconsideration request: if the reason for the deindexation of your site is because of nonadherence to quality guidelines, you have to lodge a reconsideration request. And before filing the requests, make sure to resolve all the issues that caused the deindexation in the first place.
  • Sitemaps should be submitted to Google: if other reasons other than quality guidelines caused your deindexation, you would need to provide sitemaps to Google before your site can be reindexed.
  • Also, while trying to get your site reindexed, look for ways to drive traffic to your site. Social media is a major source of organic traffic that you could try to get.

 

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How Conventional Scores Are Stopping Most Millennials From Accessing Credit and How One Company Is Changing That

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Credit scores are a barrier to entry for just about everything for millennials. Trust Science® is taking new metrics into account to expand access to credit with Credit Bureau 2.0®

What’s Keeping Millennials From Accessing Credit?

The concept behind a credit score seems simple enough. It tracks your credit history to see if you’re someone that a bank or lender can trust to pay back a loan. However, conventional credit scores just don’t account for the way that millennials and Gen Z handle their finances.

Even where a person would be fully capable and reliable in paying back a loan, the lack of an established credit score can prevent them from accessing credit, or at least from getting as much as they should be able to. That leaves millennials without an on-ramp into the modern economy and it can also jeopardize access to other “credit gated” necessities like housing.

The way that conventional credit scores are calculated is complex but boils down to 5 essential metrics:

  1. Payment history
  2. Amount owed
  3. Length of credit history
  4. Credit mix
  5. Hard credit inquiries

You can start to see the issue for millennials when you look at what data goes into their credit scores. For one thing, younger people don’t have a long credit history. Even without other factors, simply being young and only having had so much time to build credit puts them at a disadvantage. However, millennials have also been tending to establish credit later in life compared with previous generations, putting them at a further disadvantage.

The most significant issue here is the credit mix. Different types of credit affect credit scores differently, and millennials generally don’t have a favorable mix. While they might have a credit card or two, they generally don’t have mortgages. These are the most beneficial type of credit to have on your credit report, and millennials really have that going against them.

The student loan crisis also plays a big role. Young people today have much higher student loan debts than previous generations, meaning they have a great amount of credit owed. Not only that, but many can begin to fall behind on payments and see that amount grow. This can quickly send a credit score spiraling out of control.

Student loans aren’t the only threat. When young, some people make poor decisions. They could find themselves making credit mistakes very early on and suffering the fact that those mistakes can haunt their score for seven years in general. That means someone at 25 is still paying for a mistake made at the age of 18, even if they’ve been on the up and up ever since.

It’s clear that conventional credit scores weren’t designed with the current landscape in mind and that young people are being negatively affected. But what exactly can be done about this? One company is changing the way that lenders look at creditworthiness to make it possible for millennials to mitigate these issues.

How Credit Bureau 2.0 Fixes Those Problems

Trust Science is an innovative fintech company that has developed Credit Bureau 2.0, a scoring service that acts as an antidote for lenders, offsetting the problems posed by conventional credit scores. Instead of seeing a lack of credit history, a few negative issues from years ago, or a poor credit mix and ending any credit application, Credit Bureau 2.0 considers a wealth of additional data to generate a more accurate credit score.

Credit Bureau 2.0 expands the data used to calculate credit scores, getting the borrower’s consented, permissioned data and/or acquiring Alternative Data in order to reach a more accurate credit score. For example, those applying for credit can use Trust Science’s Smart Consent™ app to divulge their information safely and confidently to Trust Science, which is working on behalf of the lender that is trying to reach a decision about the borrower. By doing so, young people or other people without a credit history in-country can let prudent financial decisions in other areas of their lives demonstrate that they’re trustworthy for greater credit.

The service is available to a wide variety of lenders, including auto lenders, installment lenders, and single-repayment lenders. It’s in their best interest to find more reliable, deserving borrowers to give loans to, so Credit Bureau 2.0 benefits both sides of the transaction.

Trust Science CEO Evan Chrapko says that “Credit Bureau 2.0 isn’t just about giving borrowers access to more credit than they would have had otherwise. It’s about recontextualizing financial data to give both sides–lenders and borrowers–a more accurate and reliable way to enter into loans in the modern economy.”

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