Author Archives: Yami

Iowa – Worker’s Compensation

At this point, society requires non-disabled individuals to perform some form of labor to make ends meet. As the world becomes more ingrained in technology, many positions tie you to the desk for an extended period. While there are considerable health risks with this type of work as well over the long term, they are relatively safe. For those individuals who work in construction, factories, agriculture, and other labor-intensive industries, the risk of injury on the job increases dramatically. Each state in the United States has different laws relating to these injuries, and this is especially true for Iowa workers compensation law.

Image by skeeze from Pixabay

Defining Iowa Worker Compensation

Both employers and employees want to do everything available to avoid injuries while on the job. Protocols and safety regulations are put in place to assist with these efforts, but life is often unpredictable. Iowa’s Worker’s Compensation Act outlines three main areas for possible injuries or disabilities which occur at work. The first involves general damages, and employees can recover them quite quickly. While they are undoubtedly rare, Iowa also covers potential occupational diseases which may arise from working with dangerous chemicals. If you have ever been inside of a factory, you are aware of how noisy these environments can be. With this said, Iowa also covers occupational hearing loss for employees who suffer hearing-related injuries while working.

Purchasing Workers Compensation Coverage

As the workforce continues to shift toward a primarily remote structure, many businesses may forgo purchasing workers compensation coverage for employees. If you are working remotely, it is highly likely that you will also be contracted to perform those services and will not be considered an employee. If you are performing manual labor, it is highly likely that your employer has purchased this type of coverage to lessen the liability should you or another co-worker get injured while working.

Mortgage Options for Everyone

Whether you’re buying your first home, upgrading homes or looking to refinance, you need to know what mortgage options are out there. Here are some basic facts on mortgages.

Image by mohamed Hassan from Pixabay

Home Mortgage

The most basic option is a standard home mortgage. These come in a variety of terms, from 10-years to 30-years. Also, there are different products available for those who are first time buyers. Often buyers in this category can get into a home with very little being required for a down payment.  Your credit score will be the biggest driver in determining the loan APR you receive. Talk to a Top Mortgage Lender like Sun West Mortgage to find out what products are available to you.

Refinance

There are many reasons people refinance. Sometimes homeowners want to reduce the interest paid over time. By refinancing from a 30-year to a 15-year mortgage, you can save hundreds of thousands of dollars. The drawback to this option is that your monthly payments will increase. Another reason is to reduce your monthly payments. If you’re five years into a 30-year mortgage and have a financial crisis, by refinancing back to 30 years, you can take advantage of some of the equity you’ve built up. Also, you can refinance to take advantage of lower interest rates.

Know what your finance options are when it comes to your mortgage. Use this information to make good choices in the products you choose.

Should Churches Have Security Guards?

Violence is a national epidemic and even the decision to leave your home carries risks. Between school shootings, event tragedies, and shopping center attacks, countless of Americans congregate to their local or beloved house of worship to offer sympathy and pray for peace during the most disturbing times. Unfortunately, churches aren’t off limits to some the most depraved, disturbed, or violent domestic terrorists. There were nearly 140 church shootings between 1980 and 2005, and that number’s gotten so much bigger that there’s now a national church shooting database. Could those have been avoided or prevented with the right security measures? There’s no way to change the past, but there are some reasons a professional security guard may be beneficial to help reduce violent crime in churches and other houses of worship.

Image by Free-Photos from Pixabay

A Professional Security Guard Can Ease Underlying Burden

Members of a church’s congregation may opt to skip a sermon as the need arises, but that’s far more difficult for the actual religious leader of the establishment. Regardless of whom is in the house of worship, however, they are simply human. As such, a pastor, priest, rabbi, or Imam may have as strong emotions and fear as their followers. Yet, it’s their duty and responsibility to remain strong and offer praise, prayer, and hope on a weekly, and often daily, basis. The presence of a professional security guard can do wonders for moral support as the religious leaders help to ease burdens and provide hope for everyone in attendance.

A Professional Security Guard Can Help Channel Potential Chaos

In the event of a major scare or tragedy, the fight-or-flight response sets in and chaos can ensue. Even if someone swears it would never happen to them, the survival instinct is instilled in the human brain and the flight response is forced by the nervous system in times of great stress. The pastor or rabbi may actually find themselves among the scurrying congregation at the highest point of panic. A professional security guard can perform a variety of tasks to help ensure members and visitors alike stay calm and collected as they’re escorted to safety.

A Professional Security Guard Can Minimize Theft

Hopefully, disaster will never strike at your house of worship. But that doesn’t mean visitors and members won’t be targets of theft or other crime. Unoccupied rooms and parking lots are particularly common targets for petty and high-level criminals. Furniture and potentially valuable relics are easy to remove as the service commences. Unlocked vehicles are readily broken into for obvious valuables. Criminals can even get away with serious and often expensive damage to church property or locked cars without the right security elements in place. A professional security guard can be tasked with patrolling the property during service to help deter criminal activity.

A Professional Security Guard Can Help Your Congregation Grow

There are over 350,000 religious meeting houses nationwide, averaging 100-400 individuals per congregation. Most of those are open to the general public at some point and they all require active members to help the religious establishment fund various necessary programs to help the local residents and promote missionary endeavors. The monetary gifts and volunteer efforts from visitors and members are crucial to the survival of a religious institution. A bad or dangerous reputation can not only lead to low congregation numbers, but it can also ensure future members avoid the church altogether. Korner Security in Metro Detroit can provide the right professional security guard for your needs so your church can grow and flourish for years to come.