Private School Vs. Public School: The Power of the Government

When it comes to sending your child off to school, there are a range of emotions any normal parent will feel. Yes, it is going to be difficult to not have your child home with you all of the time, but at the same time, it is necessary for their advancement and growth as a human being. Many parents struggle with this time in their child’s lives and begin researching the best places for their child to be when not with them. Some parents think private school is the answer while other parents think public school is just fine. It is a personal decision to which there is no right or wrong answer. A lot of it also depends on your financial state and how you were raised.


There are many pros and cons to private school and public school. The public schools typically do not charge any tuition so that makes them affordable. They do not have any tuition because tax payer dollars fund these schools. This means their curriculum and everything about them is regulated by the government. This can be a pro or a con depending on who you are. Some parents went to public school and enjoyed their experience immensely. However, just because it is cheaper to attend a public school means that there will be people of all demographics there for your child to meet and possibly become friends with. Depending on what demographic this child comes from could put you in a tricky spot as parents.


Most people believe that private schools are reserved for children who come from wealthy parents. This is not always the case. Some of these private schoolsoffer scholarships for students who want to go, but their parents cannot afford it. It is safe to say that anyone who is paying money for their child’s education wants their child to do well in school to prepare them for life as an adult. However, there are many parents who feel the same way yet pay nothing for tuition because their child goes to public school.


With the government controlling so many other aspects of our lives, it is completely understandable why parents want to send their children to a private school. Sometimes the people need to make the decisions for themselves and not the bigger government who is not physically present in the school system. This will allow you to have an opinion about how the school operates.…

Qualities of a Reliable Roofing Contractor

The market is flooded with an excess of roofing companies. It is, hence, very important to take your time when hiring the right professional for your project. It does not matter if what you need is a simple paint job or a complete roof renovation, the contractor you choose to work with must be someone you can fully count on. In this post, we will be looking at the key qualities you need to focus on when choosing a contractor.


In case there is an accident, the last thing you want is to be liable. This will happen if the contractor you hired does not carry insurance. To safeguard your finances, make sure your roofing (dakwerken) contractor is insured. He should be able to present the necessary paperwork that shows his insurance policy and worker’s compensation.

Permanent business address

The fact that the contractor you are considering does not have a permanent business office means you will have no way of tracking him down in case of a malpractice. There is also a very good chance that he is not licensed to work in your area. Always ask for the permanent address of a contractor, phone number as well as tax identification number.


Does the contractor offer any guarantee in roof renovation (dakrenovatie)? Guarantees show the contractor has the ability to provide quality services that he is willing to stand behind. Make sure the materials being used has a guarantee from the manufacturers. A good roofer will offer at least a one year warranty on roof installation.

License and permits

There is nothing more risky than working with an unlicensed roofer. He might land you in myriad legal issues. He may also not be able to acquire the necessary permits. Therefore, in all that you do, make sure the contractor you are considering for your roofing needs is licensed.


Last but not least, you have to make sure the roofer can deliver what he promises. You will only be able to do this by getting recommendations from friends and reading online reviews. Ask the contractor for references and contact at least three.

If you are in need of professional roofing and roof renovation services in Antwerpen, Dakwerken Apers is one of the best companies you can turn to. With years of experience and an arsenal of modern roofing equipment, the company is able to work on any roofing project while delivering quality and durable services. Dakwerken Apers works with some of the most competent roofers in the country.…

ObamaCare Penalty for No Insurance

In January 1, 2014, the Affordable Care Act (ACA) or “Obamacare” will go into effect. The ACA requires significant changes to guaranteed issue laws. As a result of Obamacare, individual and group health plans must guarantee issue policies to all applicants, regardless of health status or other factors. Penalties exist if you do not have insurance in place.

PPACA requires most adults not covered by an employer or government-sponsored insurance plan to maintain health insurance coverage or pay a penalty, a provision commonly referred to as the individual mandate.

Although bitterly contested, the Supreme Court on June 28th, 2012 upheld the individual insurance mandate. Although President Obama had said the ACA was not a tax, The Supreme Court, which has the final say, says it is a tax and the law will go into effect.

A historic overhaul of the health insurance system in the US is underway and many are wondering what happens if you don’t currently have health insurance.

Currently, insurance companies can still deny coverage until January 1, 2014 due to pre-existing conditions. After this date, they will no longer be able to deny you coverage and premiums will be limited by law. If you have been turned down for health insurance in the meantime and don’t qualify for medicaid, then you may be eligible for coverage through a temporary high risk pool (PCIP) These PCIP’s are also a new requirement of the law.

What happens is you don’t have insurance:

(Per Time magazine)

Penalties that apply: (per Time Magazine)

(Anecdotal story from Picayune Times on how not having health care could affect someone. ) Weave into story… do not take verbatim or reference in article.)

As an employer, my company offers Blue Cross medical coverage to all employees. It is a benefit and helps attract good employees. My company doesn’t have to offer any insurance at all. Under Obamacare, my company will be fined $2,000 per employee if I don’t offer a company plan.

The average Blue Cross cost per employee for my company is around $4,000 a year, so the fine is less than the cost of the insurance. But remember, even with no penalty whatsoever my company has been offering health care. So if I was offering health care when there was no penalty, I sure am going to be offering health care if there is a $2,000 per employee penalty.

Again, the reason for this is health insurance is vitally important to employees. Many employees won’t even consider working for a company that doesn’t offer health insurance.

So under Obamacare, employers have even more incentive to offer company plans.

The question is whether employees will care as much given the new rules which allow anyone to sign up for the government plan at the last minute, even if they are suddenly diagnosed with cancer.

Remember now that about a third of the lower income earning families may be eligible for Medicaid, which is virtually free. So we are only talking about working families …

Facts about Commercial Debt Collection

Debt collection is not all the same.  In fact, commercial debt collection is vastly different from consumer or retail debt collection.  It is important for business owners to understand the difference and gain an advantage over their competitors.

Commercial Debt Collection vs. Consumer Debt Collection

Commercial debt collection is business-to-business debt collection as it involves the collection of debt from a business on behalf of a business and is not only procedurally different in many ways from consumer debt collection; it is also governed by different rules and guidelines.

Commercial Debt Collection Laws

Although some states have their own laws that define whether or not they make a distinction between the two, commercial debt collection, unlike consumer debt collection is exempt from most federal debt collection laws, as those laws deal specifically with consumer or retail debt collection.  Because of this important distinction, commercial debt collection can allow for a much more comprehensive approach to collecting debts that were incurred by a business, including the use of alternative debt collection tools, such as private investigators and more.

Commercial Debtors vs. Consumer Debtors

Commercial debtors are businesses or business owners that owe a debt as compared with an individual consumer or retail customer.  As a business or business owner owing money to another business, the reason or reasons for delaying or avoiding payment can be similar to a typical consumer owing a debt, such as, lack of available funds, a belief that they can get away without paying, or a belief that they can leverage their relationship as a client/customer to delay or avoid paying, however, the motivation to pay and avoid consequences for the business they are responsible for makes collecting debt from a business much different.

Commercial Debt Collection Agencies

Commercial debt collection agencies typically handle a wide variety of industries.  Therefore, that agent must understand not only common business procedures but also those within each specific industry that the agency’s clients fall within.  Therefore, your typical commercial collection agent will have a great deal of experience and background in dealing with businessmen and businesswomen, as compared with consumer debt collectors who deal mostly with retail customers.  Some of the traits of an experienced commercial debt collector will include tact, professionalism and a unique understanding of what motivates businesses to pay their debts.

Commercial Debt Collection – Resources:

Commercial Debt Collection Agency

Commercial Debt Collection Agencies…