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Wage And Hour Law In New Jersey

  • Posted on August 27, 2017 at 5:15 pm

Both overtime and minimum wage law in New Jersey are derived from the Department of Labors Fair Labor Standards Act (FLSA). Non-exempt New Jersey workers have certain rights to compensation and treatment, and understanding these rights is the first step in not having them abused or taken away.

New Jersey Labor Provisions

In New Jersey, certain compensation practices are regulated by law to protect employees from unfair treatment. In the case of your final wages after being terminated or quitting your job, the next scheduled paycheck should include them. Additionally, paycheck deductions should never be undertaken as disciplinary action for items or equipment lost or damaged by you.
Your employer may lower your rate of pay, but must inform you in advance of such a change. This change in pay rate cannot affect your already-earned wages; those are to be compensated at whatever your rate of pay was at the time.

Overtime Pay in New Jersey

New Jersey overtime is considered any hours worked in excess of 40 during a workweek. A workweek is seven full, consecutive days. It must always begin and end on the same day, which is established by your employer for the duration of your employment. It cannot be the average of more than one week of work.
Most exemptions from New Jersey overtime pay extend to salaried individuals, but that does not mean that if you are on salary you are not entitled to overtime. Additionally, overtime exemptions are based on job functions, not titles. Salaried individuals who work in executive, administrative, or professional capacities (all further defined on the NJ Department of Labor website) are generally exempt from overtime pay. These positions require independent judgment and decision-making, which is often the deciding factor. Outside sales and service persons are also usually exempt.

Minimum Pay in New Jersey

The New Jersey minimum wage is $7.25 an hour, which is the same as the Federal minimum wage. Following is some additional information about New Jersey minimum wage:

Tipped employees who make more than $30 a month in tips are guaranteed the minimum wage. The tips may count as your wages, but if the sum of your tipped wages does not equal $7.25 for each hour you worked, then your employer must pay you the difference.

There is no minimum wage for minors in the state of New Jersey. However, the apparel, beauty culture, retail, hotel and motel, cleaning and dyeing, and first processing of farm products industries must pay them $7.25 an hour.
For more information on these areas of New Jersey labor law, visit Their experienced New Jersey overtime lawyers can help you fight for your rights to fair compensation in New Jersey.

Importance Of Product Liability Insurance In Businesses

  • Posted on August 27, 2017 at 2:50 pm

Product liability insurance covers businesses from claims against injury, illness, or a loss caused by use of their products. In the realm of product liability insurance, product is defined as tangible goods which are sold or given away. A product supplier or manufacturer is duly responsible for any damage that his product might cause to a consumer.

If a product causes damages or injuries, the consumer can bring a claim against the supplier. It does not really matter whether he is the manufacturer or not. For instance, if you have an eatery and the food served leads to the death of more than fifty people, the product liability claim will be huge. As much as the conventional logic holds the manufacturer responsible for a defect, it’s quite hard to prove it.

The risk magnitude, claim and premium are ascertained through various ways such as the customers purchasing the product, how it was used, and warning labels that the product has. The product liability cover guards a company against any unanticipated circumstances that may cause damages or injuries to the product users. In case a person manufactures inferior items, there is no insurance cover that can protect him. For a manufacturer, the cover is massively important; just a small defect could make a firm be a target for big claims.

Manufacturers should look for product liability packages that cover all manufacturing quality, indemnity costs, safety claims and others. They can also lower the premium costs by taking some measures in advance. These measures must however be disclosed to the insurance company.

Product liability insurance is there for the wider benefit of the business. There are occasions when a general liability insurance policy includes product liability although a business sometimes has to get a specific product liability cover. This type of insurance is so critical because the business of providing products to a customer is very risky, more so if the product can become defective and cause injuries or property damages. Whether a business is the distribution, manufacturing, retailer, intermediary, refurbishing or any other component of the distribution chain, the risk of product liability claims is quite high.

Rather than face lawsuits, legal claims or any other legal expenses, which can really devastate a company and make it run out of business, firms are encouraged to take product liability insurance. This is an aid against any consumer debacles that may arise on the legal front.

Two ways to get – Sports Scholarships

  • Posted on August 27, 2017 at 2:04 pm

The sports or athletic scholarships are usually awarded to the high school sports students who explore their skills in sports activities like football, soccer, baseball, wrestling etc., . The scholarships are generally awarded in two ways.

1. Full scholarships

2. Partial scholarships

Full scholarships

The full scholarships usually cover the entire fees like books, room, transportation and food and so on.

Partial Scholarships

This partial scholarship doesn’t cover entire fees but it covers some parts of your fees. This partial scholarships includes with food and book fee or part of tuition fee.

Sports scholarships are most expensive one which is awarded under huge competition in most of the high schools. You may be the great athlete in your school, but few requirements are additionally need to get these sports scholarships. In that the test scores and academic grades are most considering one. In order to get this athlete/sports scholarships the student must have GPA (Grade Point Average) of 2.5- 2.7, and the ACT (American College Test) score should be at least 17. These are all the standards that required in getting the scholarships. This requirement can be easily achieved only when, you have proper plane with bit of preparation from the early year. Therefore you need to concentrate both academic as well as sports to get listed in full scholarship list.

Two ways to get sports scholarships:-

If you would like to get sports scholarships, than there are two options which helps in obtaining scholarships.

i) The first and easiest way. For this way you need not spend any time in searching for the coach or a scholarship provider. The recruiter directly approaches you after tracking your performance. They usually track your talent in sports; if your performance fulfills their needs then they take you in to their sports teams in that case the full scholarships are awarded.

ii) The next way to get scholarships is the difficult, but it is also the possible way to get scholarships. To obtain the sports/ athletic scholarships you need to look for the college which you think that welcome’s talented sports students. You should have the portfolio of your records/ achievements in sports, coach’s recommendations with academic grades. If your portfolio satisfies their needs than you might get chance to award the scholarships and make sure that, you can only get the partial scholarships unless, until you prove yourself in sports.

Are you looking for the athlete scholarships? Athletes- zones is the best online tool help you in getting the athlete scholarships. This website allows you to create the profile with your sports records where you can get touch with the college coaches. Visit to know more information about scholarships.

Best Horror Books 2010 Buy online at cheap prices

  • Posted on August 27, 2017 at 1:59 pm

Books plays an important role in the life of human beings. These paper bags provides knowledge, fun, entertainment and others. These published documents are the best friend of human beings, when they are alone. These books also serves a purpose for past time for many people. >

It is the good news for all of you are fond of reading books. Our website has brought a collection of different types of books like health, story, business, horror, friction, history and many others. On this website, many interesting horror books are available, which are the Best Horror Books 2010. The stories of these horror books revolves around various monsters, vampires, witches, demons, ghosts and so on. These horror books are based on most popular friction stories.

You can visit to the website and search for the different web portals that are available online. These web portals helps you to select these wonderful books at the cheap prices and you can also compare prices of different stores. These books are available under various exciting offers also like lowest price, in which you can but these books at a the possible lowest prices. The other popular deal is as per the popularity. In this offers the most popular books are sold online. The last one is price descending in which the prices of these books goes on decreasing.

These Best Horror Books 2010 are available for you on this website which offers you the facility to buy books online. Apart from this, you can also enjoy various discounts on these wonderful books. There are also some free gifts offered if you are buying these books online.

Some of the popular horror books that are available on this website are the waiting room, uncle montague’s tales of terror, tales of terror from the black ship, tales of terror from the tunnel’s mouth, Robbinhood vs the plague undead, deadly dodgem, etc. All these books creates the terrible pictures in the minds of the reader. Thus, these books are very popular among the youngsters and kids.The website all the fun of horror through these Online Books. So, if you are thinking to buy a horror book, go for the one that suits you most.

Jacko Liver is one of many professional writers on this website. He has been writing interesting and thought-provoking articles on Books and Magazines, Medical Books and Romantic Books in th UK with cheap books visit our books shop.

Auto insurance saving tips for individuals read before you select an insurance policy

  • Posted on August 27, 2017 at 1:48 pm

Every single person with a minimal income owns a car nowadays. Car was a luxury commodity in earlier times – very few people were able to buy it. Today it has become an essential commodity with almost every one purchasing a car for their comfort and needs. Different car manufacturing companies are offering various installments schemes for customers. With the help of an easy installment plan, anyone can purchase a new car now. It is always best to invest in a car insurance policy when you have a car of your own. There are different plans and policies for you to choose from. A car insurance policy will help the car owner to protect his or her losses. In case of accidents, auto thefts, or other related car problems – the insurance policy gives the insured person a much needed financial support.

In the market there are several insurance companies present today. Each and every company is fighting among themselves to be the best and number one company. In order to gain more and more number of customers, every company is trying to provide the best car insurance policy to their customers. If you are interested in a car insurance policy, then ask for insurance quotes from different companies. Fill up the form with your basic information and ask for an insurance quote.

You can ask for insurance quotes from more than one company. Compare these quotes yourself or with the help of online websites or tools. Select the best suited plan for your car and yourself after researching carefully. Do not make haste judgments in case of insurance plans and policies. Read the terms and conditions carefully before signing any papers. If you need saving tips on auto insurance policies then ask a knowledgeable person or a reliable agent.

You can also use the internet services to learn more about various car insurance policies and companies. There are mainly three different types of car insurance policies – third part liability coverage plan, collision coverage plan and comprehensive coverage plan. Most car owners invest in the comprehensive coverage plan for its extensive and flexible nature. This package includes car theft coverage and accidental coverage for car owners. With the help of online insurance websites, you can buy a car insurance policy within minutes without any trouble. There are also several websites which offer individuals with various information regarding insurance policies and companies. They provide people with much needed tips about auto insurance savings and premium rates.

provide people with much needed tips about auto insurance savings and premium rates. .

The Hottest Gold Investment Strategy Available Today

  • Posted on August 27, 2017 at 10:52 am

Buying gold is an investment strategy which, in this current bear market, is unlikely to fail to make a real return on your investment and safeguard your personal wealth against ever rising inflation, but perhaps the hottest gold investment strategy available to private and institutional investors is certified gold coins.

Certified gold coins as a gold investment strategy are pretty much the same as gold bullion bars with one exception; the rarity and scarcity value which is placed upon them because they are highly prized collectors items. It is the collectible value which tends to make them more expensive than bullion bars and harder to come by. A gold investment which comprises bullion bars and bullion coins is a wise investment, simply because the spread is wider and when it comes to selling and retrieving some of your gold investment and turning it into liquid assets it is sometimes easier to sell gold coins on the market because of their rarity and scarcity, and of course this can and does push the price over and above gold bullion bars.

Making a gold investment is something people have committed themselves to over the centuries and certainly there is documented evidence dating back some ten thousand years of gold ornaments and trinkets being gathered together as a safe haven for someones wealth and a protection against the then documented political unrest of the time.

The economy is in a precarious state which is reflected in the US dollars continuing devaluation and the gold bear market, which is now 12 years long and shows no sign of slowing. For investors in gold bullion products, just like in the distant past it is a safe and tangible asset to hold.

The modern era of gold investment and the free gold exchange began in the late dark days of 1974 when a little political skulduggery legalized the ownership of gold in private investors hands for the first time in well over four decades. Although it started with a trickle at first, the floodgates were well and truly opened, and by 1990 the entire gold and silver bullion and certified coin dealing business had become a bit of a feeding frenzy. Many investors got their fingers burned through lack of knowledge of this particular market and there were some really vicious sharks waiting to eat alive the unsuspecting punter and investor.

Fortunately all of that changed with the inception of the Certified Gold Exchange which from day one of trading earned and has kept a continuous A+ rating with the Better Business Bureau, serving only to offer investors an honest and level platform for gold investment advice and a place where honest above board deals can be conducted.

Why Is Health And Fitness Important

  • Posted on August 27, 2017 at 8:47 am

You might be wondering why health and fitness is important, the answer to this can be complicated and extensive. However we will discuss a few of the many different reasons why your health and fitness is important. You will find that though health and fitness are important for everyone, there are certain groups of people who need to be more physically fit than others, such as athletes.

There are many different types athletes. Some of them play sports, others swim or are simply body builders. One of the main reasons that it is important for these people to have good fitness and health is because of the fact that they will need a certain level fitness to excel in their field. You look at a football player for example, if the football player is not physically fit chances are they wont be able to keep up with the other players. This can cause problems with the team and also for the player. They may suffer more injuries due to not being fit enough. Another example is a runner. Do you think that someone who can run a marathon race would be able to do this if they werent in good health and fitness? Chances are they wouldnt because they would tire out to quickly.

Smoking has been proven to cause problems with your health. Shortness of breath is a known symptom when doing a cardio vascular workout for instance. It is advisable to eliminate anything like this that can cause damage to your body as well as keep you from being in as good of shape as you could be.

Staying fit is important so that your body is able to do everything needed to stay healthy. If you arent in good shape, you will increase your chances of having a lot of health problems because of it. You might also find that becoming overweight can make conditions that you already have more severe. This being said it is extremely important that you understand the importance of good health and fitness.

There are many different ways that you can go about getting into better shape through health and fitness. You might want to ask your doctor why is health and physical fitness important?. Chances are that they will not only answer your question but give you some helpful tips to let you know how you can go about achieving good health and fitness.

Enjoy Your Favorite Drama On Verizon Fios Tv

  • Posted on August 27, 2017 at 8:15 am

Verizon FiOS TVcomes with a series of drama that promises to entertain its lovers. Dramas have the knack of catching the attention of people of all age groups. You have a wide range of subjects like Superhero dramas, Comedy dramas, historical dramas, crime dramas, and medical dramas to choose from.

Camelot is a historical fantasy drama that was first aired in Verizon FiOS TV on April 1, 2011. This series was created by Chris Chibnall and Micheal Hirst. Camelot is based on the story of an Arthurian legend and is said to be derived from its movie version that was released in the late 1960s. The present Camelot series is like a homecoming for people who failed to catch glimpses of its earlier version. The episodes of this TV series redefine the classical medieval tale of King Arthur. The drama that is rich in features like sword-fighting, magic and comedy, is slightly modified and presented, to suit the taste of the present TV audience. Camelot primarily deals with how the world leaders promised to create a better world and how they try to keep up their words.

Watching drama with Verizon FiOS TV gives you a never-seen-before experience. It takes your TV viewing to a new level. Boss is a political drama that stars Kelsey Grammer in the lead role. In this series, Tom Kane, the leader of Chicago is diagnosed with a degenerative neurological disorder called DLB. In spite of his illness, Kane decides to remain in charge. Kane hides his illness from everyone but for his doctor. People around him fail to notice any change in him. However, Kanes advisors, Kitty O’Neill and Ezra Stone begin to suspect that there is something wrong with Kane. But they shy away from asking him about his physical status, as they regard him highly for all his accomplishments. On the other hand, the State Treasurer Ben Zajac is gradually consolidating his political ambitions. The subsequent scenes add up to the suspense of this drama. If you like watching political dramas, then you shouldnt be missing this suspense-filled drama.

Instructing Children Investing – A Step To Comprehending Economical Independence

  • Posted on August 27, 2017 at 8:11 am

The Significance of Savings

First, you are able to teach your kids the significance of savings. Giving your children an allowance will assist them on how you can budget their money correctly. At an early age, you can encourage them to save a portion of their allowance and even open their own savings account exactly where they are able to deposit money each and every week or month. You should teach them how the bank works and the advantages of having a savings account. The Importance of Investing

There’s no such thing as becoming too early about teaching children investing for their future. Talk concerning the quantity of methods they are able to invest their money. Begin with smaller investments initial that your children can relate to and comprehend then gradually talk about larger ways of investing as they progress on their understanding with the concept of investing. The Significance of Building Credit

Do not wait till your kids are old sufficient to make use of credit cards prior to you teach them the benefits and drawbacks of getting a credit card. Show them by instance how credit cards are to be used responsibly by taking them purchasing with you. Clarify how the interest is being charged for every time you use the credit card. Clarify how credit cards are not to be utilized impulsively.

Fun tools that you can use to teach your kids about cash

You will find in fact lots of tools that you can use for teaching children investing and how to handle money in common. Among the educational tools you are able to use will be the Rich Kid Smart Kid. This can be a fun and interactive game which will show your children valuable lessons in finance, such as how to make a profit, paying your self first, coping with debt, and investing in company and assets. For kids Six and above, you can also use the Cashflow for children board game exactly where kids will learn the concept of monetary freedom.

These tools are developed by the team of Robert Kiyosaki, the infamous business tycoon who wrote the book rich dad poor dad. You will find other a lot tools available which you can use to make the teaching fun and exciting.

Using the economic downturn that the globe is experiencing today, lots of job losses and business closures, it’s just wise to teach your kids at an early age how you can deal with their finances and how they can generate income function for them by investing. Teaching children investing is a surefire way of understanding the idea of financial freedom.