AAP

Prime Minister Julia Gillard says families should be deeply concerned about spending cuts under a coalition government, after opposition treasury spokesman Joe Hockey warned Australia needed to keep an eye on its welfare payouts.

Mr Hockey used a speech in London overnight on Wednesday to criticise the “age of entitlement” in regard to social payments in western nations and urge development countries, including Australia, to mean test them.

However, welfare groups say the $122 billion Australia spends each year on social security and other payments – equating to about 8.5 per cent of gross domestic product, is modest and should be boosted.

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In European countries, the figure is three or four times higher, but many Asian nations offer little or no social welfare support to their populations.

Mr Hockey warned that as welfare bills grow, future government budgets will be under pressure unless such spending was reined in.

“We need to compare ourselves with our Asian neighbours, where the entitlements programs of the state are far less than they are in Australia,” he said.

Ms Gillard said Mr Hockey’s remarks made for “pretty grim reading” and tried to link them to future coalition policy under a Tony Abbott-led government, as government ministers lined up to defend Australia’s social security system.

“Our message to Australian families is we want the economy to work for you and we want to be working with you to get the services you need,” she told reporters in Perth.

“Unfortunately, Mr Hockey and Mr Abbott’s message to those families is you are in for cutbacks and if you can’t cope then try fending for yourself and if you can’t fend for yourself well unfortunately that’s too bad.”

Opposition Leader Mr Abbott said Mr Hockey was simply making the point that governments need to live within their means.

“The way this (Labor) government has been spending over the last few years, there is a danger that we ourselves could ultimately go down an unsustainable path,” he told reporters on the Gold Coast.

Opposition finance spokesman Andrew Robb told AAP: “There is no new coalition policy review of welfare payments.”

Mr Robb said the coalition’s plan to commission an audit into commonwealth public service operations when it won government would address government spending and costs.

“We have an obligation to taxpayers to do what we can to ensure they receive value for money outcomes,” he said.

Assistant Treasurer David Bradbury challenged the coalition to spell out which government programs could be cut, given Mr Hockey’s remarks.

“This seems very much to me to be a race to the bottom when it comes to cutting away and stripping away some of the basic support structures we have in the Australian social safety net,” he said.

Australians should not have to give up social security payments, Finance Minister Penny Wong added.

Australian Greens leader Christine Milne said Mr Hockey’s vision raised the prospect of a dog-eat-dog world where profits were more important than people.

“The logical conclusion of what Mr Hockey is saying is no universal health care, no universal access to public education,” she said in a statement.

“It’s a Thatcherite, every man, woman and child for themselves world, where people who are struggling are told it’s their fault for not working hard enough.”

Australian Council of Social Service chief Cassandra Goldie said the nation should be proud of its social security system.

“We need to now build on that system, and address urgent gaps, such as the National Disability Insurance Scheme, dental health and increasing the unemployment payment,” Dr Goldie said.

The debate should instead focus on tackling tax loopholes for the rich, means-testing of entitlements and better targeting spending, she added.

Coalition will attack welfare: Gillard

To uncover the finest automobile insurance rates Texas is now a great deal simpler many thanks to the web and the boost in amount of providers. It does not seem all that lengthy ago when we only had a alternative amongst and handful of insurance coverage firms. Now there are practically dozens of choices we could consider.

If you want to locate the finest bargain obtainable these days it is critical to test out and examine as many diverse estimates as you can. By no means settle for the 1st strategy you arrive across, by devoting a tiny time to the exercise you can make savings that you may possibly have considered extremely hard. as prolonged as you comprehend what variables play a function in determining the value of a policy and also turn out to be conscious of exactly where to find the very best deals, the OSHA certification likely exists to conserve hundreds of dollars a calendar year as in contrast to what you had been paying for insurance policies address.

An insurance policies firm that operates in Texas would base their quotes on the very same calculations that are utilised in other components of the region. For example your driving experience and age will each be major factors. If you have really small expertise powering the wheel the possibility of locating a very low price offer would be drastically lowered. It is these drivers that have put in many years on the highway with out creating a declare that are observed in the most favorable light by insurers.

If you have only not too long ago handed your driving test you may uncover it helpful to enroll in innovative level driving lessons that would teach you added expertise you earlier instructor may possibly not OSHA certification have offered. Certification from a recognised sophisticated driving faculty would prove to any insurance providers that you are a cautious driver and not at danger of generating a declare the instant you generate off down the road.

In which you maintain your motor vehicle when it is not in use will also have an affect on the expense of the insurance policy. If saved in a protected garage as opposed to being left out on the street at night time the chance of the automobile getting stolen or ruined would be far significantly less, for this reason the insurance that is provided would be less costly.

Also, if you install protection and security functions this sort of as a steering lock, alarm, and GPS tracker, the insurance policies rates will decrease even additional. Individuals cars that have the highest safety expectations are also far much more cost-effective to OSHA certification insure.

Greatest Car Insurance coverage Prices Texas

Low-priced Expression Life Insurance Quotes along with the Ground Truth that you just have to have to Know

Article by Robertz Dicostal

Low-priced Expression Life Insurance Quotes along with the Ground Truth that you just have to have to know – Organization

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You can locate numerous points that you just ought to bear in mind if you will shop for. You’ll find a lot of items that could catch you off guard when you are getting a policy. Initial, any time you see an reasonably priced expression quotes on the web, will not signify that you are already certified for men and women phrase insurance coverage policies. each single company assesses the challenges various plus they might possibly have diverse criteria.IIf you will be looking the net for low-priced expression quotes, you may possibly find a lot of worthwhile delivers from unique organizations. They could give you low-expense fees for policies. ahead of choosing 1 these policy you really should discover about the conditions and problems correlated to these insurance coverage policies. Many a moments there are fixed set of policies connected to those policies. the organizations will evaluate lots of pitfalls prior to they grant you this sort of policies.IWhen you go shopping for insurance policies it really is feasible you will come across numerous insurance coverage policies where quite lower charges are supplied. these cheap expression life insurance quotes, appear superb and reasonably priced but often the firms lay down stringent principles to qualify for this sort of policies. the organizations evaluate a quantity of threat issues then make a selection the speed of your life insurance quotes.

Some firms may possibly perhaps even need to have to see your driving file, any family members members historical past of heart illness, and even cancer. thus, isn’t any rather the identical given that it appears to be for getting at the outset glance. Best selling price of the coverage will not generally necessarily mean the most helpful price. you are going to discover numerous situations the place guys and ladies have received really low-expense phrase life quotes and they understand that the value of that life insurance coverage just isn’t as a lot as the mark.IThe pitfalls which could be typically assessed from the life insurance providers are checking the driving document, spouse and children heritage of heart difficulties, cancer together with other continual ailments like diabetes. Right after you invest in your life insurance coverage do an in depth study with the phrases and disorders as they is almost certainly not the identical as promoted. Acquiring a life insurance coverage for finest value tag isn’t going to usually signify the ideal value for it. From time to time individuals who buy low cost life insurance policies at low price phrase life quotes do not get the preferred added benefits by means of the coverage.ILife insurance coverage businesses decide on to have several of the info connected for your way of living and behavior suitable from driving file to spouse and young children historical past of considerable and hereditary circumstances. Be aware you are acquiring the ideal appeal to the finest value that you are possessing to pay for the insurance coverage coverage. Probabilities are you are going to get an reasonably priced life insurance coverage but then at the finish you might not acquire the complete rewards from it. know the terms and problems on the policy you are acquiring so you are pleased with the advantages afterwards on.

Also, receiving coverage from your employer by signifies of voluntary team phrase system generally is just not a excellent wager must you are in exceptional wellbeing. you can acquire a net based quote from a extremely good on line insurance coverage web site. low expense phrase quotes will also be readily accessible on the net. most folks select a really good broker net page and enter their age, exclusive specifics and after that they believe that they are going to get the most beneficial charges from that broker net page. a lot of individuals have entirely wrong notions about, which needs to turn out to be clarified to start with.IAt perform you may be finding protection from your employer by voluntary team term prepare. But this sort of policies typically is of no very good for those who are in amazing wellness. the most helpful quotes are offered more than the net. you will discover fairly a couple of internet sites which functionality as brokers and when you enter your age as well as your personalized points then the quotes are worked on for you personally. at times these quotes are not pretty precise and reference to some fantastic agent can provide you particular quotes.IThere are team protection insurance coverage policies which can be a lot more generally offered by the employers to their workforce. you can browse the net for inexpensive term quotes. there is also broker websites wherein you feed in info about your age and private details as properly as premiums are supplied for you appropriately. Getting a life insurance policy is really a extremely great way for investing your valued money.

Every and each and every provider has their requirements so you ought to meet numerous needs. Only as soon as you meet individuals standards, you will obtain the policy. at occasions, to qualify, you might have to speak to a skilled broker or agent. Generally examine your clinical affliction with the broker or agent. you may moreover want to be quite straightforward along with the skilled medical background of one’s spouse and youngsters. you may well want to inform your insurance agent in case you have any of the following hobbies:

o Bungee jumping o Paragliding o Rafting

To obtain the top quotes to your policy you should meet the aspects laid down by way of the organizations. you may as effectively think about the aid of a seasoned broker in this variety of scenario. you are going to have to disclose the skilled medical background within your spouse and children as properly as go over your clinical issue with all the broker or agent. you really should inform the organization about any dangerous hobbies of yours like bungee jumping, skydiving, rafting, paragliding and so forth. Components like tobacco user and non tobacco person also performs a portion in deciding on the rates of your respective policy.ITo meet individuals standards which can be affreux down from the corporations you must discuss your clinical condition with your broker or agent. you need to tell in regards to the well being care background of your family members other than your hobbies and way of life.

For those who are skeptical concerning the skilled medical examination which the organizations carry out, you are able to typically decide on for no test insurance policies. a professional medical examination is generally performed by a wellness care professional that is appointed via the corporation. Becoming an ideal hand thumb rule, the no test policies are marginally costly than the frequent expression policies. For many of the data of the no exam coverage, you should have to check out with all the carriers or converse into a quite practical knowledge broker of agent.IIn situation yu don’t want to disclose the well being care difficulty of your spouse and kids and on your personal then you can definitely also opt for no exam policies. Underneath this issue no examination is completed for healthcare problems. Wellness care examination is mostly carried out by a healthcare specialist that is appointed with the company. these insurance coverage policies which include significantly more pitfalls are far a lot more pricey as opposed to general ones. For far more particulars about no test coverage, you really should have to examine along with the carriers or chat to a very knowledge broker of agent.IIf you have got a loved ones heritage of well being care illnesses or don’t want to disclose your medical situation then you can undoubtedly opt for no exam insurance policies. with this policy you will not be subjected to any clinical checkup that is normally completed by medical qualified appointed by the provider. the no test policies are a small expensive than the regular term insurance coverage policies. For detail info on no examination insurance policies make contact with your broker of agent.

When the providers say that they will not most likely carry out health care examinations, does not necessarily mean that in case you are struggling from a crucial heart troubles, you can acquire the policy. most firms which may well be providing off theno examination coverage will ask you some strategic effectively getting linked concerns. if you have answered the queries efficiently, you’ve got conquer the 1st hurdle, but you nonetheless will not qualify for that policy. there will be several a lot more needs that you could must fulfill.ILife insurance organizations supplying life insurance no test coverage isn’t going to signify which you could acquire the coverage even even though you happen to be suffering from the severe condition like cancer. you must have to nonetheless response some strategic wellbeing linked issues asked with the life insurance provider. some life insurance businesses have some far much more formalities which you should do for qualifying to the coverage.IThe life insurance no examination policies are typically not so simple as they may show up. In some instances these insurance coverage policies have troubles pointed out wherein if you do not qualify to it you then can not think about the coverage. some strategic well being and fitness connected queries are asked in these scenarios and if you reply them successfully then you definately have just passes the initial hurdle. there might maybe be other standards additional to in addition, it.

There could effectively be deemed a huge difference involving the speed that is certainly quoted for you and also the value that is undoubtedly essentially offered to you personally. if the variation is as well enormous, probabilities are you will wish to take into account one more coverage that meets

Low-priced Expression Life Insurance Quotes along with the Ground Truth That you just Have to have to Know

If you are a tradesman working in either a traditional or more unusual trade (such as steel fixing, perhaps wall papering or wardrobe installations), you’ll need comprehensive public liability insurance for tradesmen. you will need to find an industry leader in providing cheap public liability insurance and business insurance specifically for tradies.

From just $39.77 per month (paid monthly for your convenience), it’s around the cost of a carton of beer, and an investment that’s worth $5 million dollars in peace of mind against public liability claims. while tradesmen’s public liability insurance cover for $5 million is common, today more and more tradesmen are opting for $10 million public liability cover.

The importance of maintaining adequate Tradesman public liability insurance cannot be underestimated. Imagine the consequences if someone was injured through an incident or accident caused by you or one of your team. Without tradesmen’s public liability insurance they could sue you for thousands or millions of dollars. you could lose your business or your home.

Your insurance representatives will be only too happy to assist you with public liability insurance quote/quotes. Search the internet to get public liability insurance online quote or speak to an insurance consultant directly. Cheap public liability insurance isn’t a ‘sell’, it’s a reality. in fact, you can get tradesman liability insurance for around the cost of a carton of beer per month.

It is essential that you read the Product Disclosure Statement when seeking a public liability insurance quote. The PDS covers all aspects of Tradesman public liability insurance package including the important issue of inclusions and exclusions. for example, some business insurance package inclusions don’t apply to some trades and you need to know what’s included in your cover or rather and importantly, what’s not covered.

When arranging Tradesman public liability insurance, it’s essential that the paperwork is right so that tradesmen don’t run the risk of being under insured or worse – uninsured. while cheap public liability insurance is the goal and reality, be mindful that there are a number of situations that may exclude tradies from a tradies insurance package.

If you are in a trade occupation that involves work in an underground mine or with high voltage power supply or on an airport tarmac you will need to disclose this at the time of requesting your public liability insurance quote/quotes. if your occupation or workplace is listed on a restricted locations exclusion list, this needs to be listed on the application paperwork for Tradesman public liability insurance.make sure you find an insurance company that is committed to assisting tradies with the best business insurance cover possible and at affordable prices. they will let you know all the details about the right public liability insurance, Australia policies and we’ll ensure you will obtain the best public liability insurance premium cost.

Call your insurance consultant today for more information and to arrange quotes for public liability insurance, tools insurance, business insurance, commercial vehicle insurance as well as illness & injury insurance (formerly known as income protection insurance).always refer to your Product Disclosure Statement.

If you’re a tradesman on a jobsite and someone is accidentally electrocuted or they trip over your gear and sustain an injury, there are two things you need:

1) Public liability insurance; and2) enough public liability insurance cover for the full extent of the claims made against you.

All tradesmen and sub-contractors on a jobsite need to carry public liability insurance to protect themselves against professional and personal financial ruin.

While the industry minimum standard for public liability insurance cover is for $5 million, there is growing demand for $10 million public liability insurance policies.The sole purpose of tradesman’s public liability insurance is to protect the tradesman or sub-contractor against financial claims in the event of damage to a property or injury to people, other than employees, that have been caused by the tradesman or a member of the tradesman’s staff.

It is important to note that a contractor’s public liability insurance policy may not cover sub-contractors who may have been engaged for a job. Even if the main contractor’s public liability insurance responds in the event of a claim for which the sub-contractor is liable, the contractor’s insurer may not recover the claim amount from the sub-contractor.Sub-contractors are deemed to be self-employed, and employers should always check that sub-contractors have their own current and adequate public liability insurance before allowing them to enter a job site.

When it comes to engaging labour hire workers, there are additional important issues that must be considered. The key is to advise your public liability insurer when you engage labour hire staff so that proper provision may be made in the policy for them.if you are an electrician and you travel with your work, it is important to check that your public liability insurance complies with the requirements of your State Electrical Contractors Association as these conditions can vary from state to state.

Search the internet to find out more about public liability insurance or to obtain an online public liability insurance quote specifically for tradesmen.always refer to your Product Disclosure Statement for complete details.

Public Liability Insurance

Last night, a disturbing report emerged that a burglary occurred at linebacker Junior Seau’s home only five days after he died there.  The good news, if there is any, is that police have recovered the $500 bike stolen from the garage.

The bicycle, which belongs to a friend of Seau’s, was found in the possession of a man who bought it from another man on may 8, the day after it was stolen.  The man who made the purchase isn’t regarded as a suspect.

Police are investigating the burglary.  per U-T San Diego, the man who sold the bicycle is white, late 20s or early 30s, and he weighs about 180 pounds.

Bike stolen from Seau’s home recovered

What Car Insurance Reps Won’t Tell You

1. the amount of car insurance that you buy should be based on the amount of assets that you currently have. the average policy covers just enough and doesn’t take into account the possibility of lost wages, lawsuits or anything else resulting from your car accident.

2. People who drive high profile, more expensive cars historically pay more for their car insurance premiums than people who drive average mid-size cars. This may be a shock to someone who has been dreaming about buying a high performance car. however, it’s a fact of life if you want to keep your car insurance premium low every month.

3. you can save money on your policy by paying your premium for six months at a time instead of month by month. the average consumer doesn’t know that car insurers reward loyalty and will offer you a discounted policy if you offer to pay up front, for 6 months or more at a time.

4. if you invest in a vehicle protection system like a Low Jack or any other type of protection device you can lower your car insurance payments. This is because you’re showing the insurer that you’re making a priority to protect your car.

5. every other industry from television to telecom offers customers special discounts for bundling and so does the car insurance industry. Choose a car insurer that offers other policies and then ask for a discount, if you bundle your car insurance policy with their other plans.

6. if you have children that are of driving age make them wait longer until they get their driver’s license. Car insurance premiums are typically less expensive for young drivers who just turned 18 compared to drivers who are between 15 and 16 years old.

More Ways to Save Money

One of the oldest ways that car insurers jack up the rate, that you pay for your car insurance policy, is by factoring in the area that you live. if you’re committed to saving money and are due for a change in your living situation try moving to a safer part of town. you will see your car insurance policy rates drop significantly. you can also save money on car insurance by parking your car in the garage every night instead of out on the street and driving less per year.

You can also save yourself money on car insurance by choosing a liability only policy instead of a full coverage policy. This strategy is recommended especially if you drive an older vehicle. if you’re leasing a vehicle make sure that the lease owner doesn’t require you to carry full coverage. Just about every lease owner does require full coverage especially for brand new vehicles.

A fact of life that everyone faces is that financial situations change and you might not always be able to pay for your car insurance premium every month. if this happens, you should not go more than one month without paying for car insurance because you could face serious financial consequences if you were to get into an accident. It’s actually best to never let your insurance policy lapse. if you do, car insurers will increase your premiums, especially if you go for long periods of time without paying for car insurance.

Another great way to save money on your car insurance premium is to increase your deductible. the higher deductible that you pay means the lower your premium will be. Before you do this, make sure that you can commit to saving between $1,000 to $5,000 for your deductible. the average insurance company will require you to pay your deductible first before your premium kicks in.

If you live in a family that owns more than one vehicle and that vehicle is nonoperational don’t insure it. however, it is important that you register it as nonoperational with the DMV. if your family owns more than one operational vehicle, you shouldn’t hesitate to ask for a multi-car discount from your insurer.

Saving money on car insurance doesn’t have to be complicated. if you follow the simple tips in this article, you will consistently save yourself hundreds of dollars per year.

How To Get Affordable Car Insurance

NORMAL — Andrew Jansen and John Malkin are military veterans with a mission.

The two Heartland Community College students are part of a team of disabled veterans undertaking a cross-country bicycle ride “to show the American people what a quote-unquote disabled veteran is capable of doing,” explained Mike Claver, an executive on loan from State Farm Insurance Cos. to serve as trip director for the Sea-to-Shining-Sea ride.

This is the second time Claver has been involved in the event, which also took place in 2010, with a stop in Bloomington-Normal. it is the first time any Heartland student has taken part.

Eighteen riders, plus a support team, will cover about 4,000 miles in 63 days, leaving San Francisco on May 28 and arriving in Virginia Beach, Va., on July 28.

For Jansen, a four-year Air Force veteran, it is an opportunity “to inspire disabled veterans to try something outside their scope of what they thought was possible.”

Jansen was unable to walk for six months after he fell from a truck during relief efforts after Hurricane Katrina. now he spends most days riding a bike 40 to 50 miles, training with Malkin.

Malkin, in the Navy for eight years, has post-concussion syndrome as a result of a training accident in 1997. he hopes the ride shows people that even when wars end, there are still years of healing left for some.

Along the 2010 route, “just about everywhere, there were people on the corners cheering for us. … it was refreshing to see that kind of patriotism,” Claver said. “On the news, you just hear about what’s wrong with America. this ride is about what’s right with America.”

Claver said the riders will arrive in St. Louis the morning of July 4, take part in a parade down Market Street and be guests at an air show and concert.

They are also scheduled to attend a July 5 St. Louis Cardinals game and participate in the St. Louis Salute the Troops Day on July 6 before resuming the ride July 7.

lsobota@pantagraph.com

Disabed veterans take message of hope coast to coast

Personal injury settlement calculators provide you a new method of computation for determining a settlement amount. it tells the appropriate amount that can be claimed from the damage or the loss that has happened. For this calculation of the claim, consultation with your attorney helps you to recover the legal damages caused by the civil wrong of the person who caused you the personal injury.

Personal injury settlement calculators are specifically used only for personal injury. this saves lots of time and helps you to reach a reasonable and fair personal injury settlement. it is a real time saver and a solid frame of reference is made using this calculator. it calculates the amount value and gives you a clear picture of the lump sum you might be paid for your structured settlement.

Calculations which are done by the personal injury damage calculator include factors such as medical expenses, future medical expenses, the process involved in rehabilitation, prosthetics, wages that are lost, future lost wages, pain and suffering, future pain and suffering, disability, the future disability involved, loss of quality of life, the present and the future impairment, loss of consortium, and the loss of services.

The amount involved in the personal injury is categorized in each of the above factors. a fair settlement amount is then calculated. in certain cases, if the insurance companies do not pay you the claimed amount, then one has to consult with their attorney for the recovery of the lost and the legal damages caused by the civil wrong of the defendant. it is not recommended to evaluate the personal injury without knowing the law or consulting your attorney, since in many cases the insurance companies attempt to minimize the damages by just refusing few of your legal damages.

Personal Injury Settlement Calculators

Most people consider their pets as members of the family and also for solitary grown people living alone this is a lot more obvious consequently it is not shocking that pet insurance plan is a growing industry. Possibly because felines are considered as less domesticated , cat insurance was slower to gain popularity as compared to dog insurance. regardless of whether insurance for feline family members is worth the cost can only be decided by the each owner but there are specific things to keep in mind when you make that decision.

You’ll want to pay attention to any kind of exclusions to coverage for example costs for heartworm medicine, flea control, or even vaccinations; these and also dental hygiene are frequently not covered. There is also the question associated with whether your veterinarian is covered in the policy or if you will need to locate another. furthermore think about the deductible (frequently in line with the cat’s age) and also the co-pay that is typically 10-20 percent.

Even though you might end up getting frustrated, don’t give up searching since there are a lot of plans available with more options for coverage daily.

Special Stock › Understand More About Cat Insurance

Harmony Tech — making technology easier for local businesses

Helping small businesses get the most out of computer technology is the mission of Harmony Tech, located on the second floor of the Bond Building in downtown Winter Garden.

Founded last year by Jason Russell, Harmony Tech is a technology solutions provider serving businesses and organizations throughout Central Florida. Russell has more than 14 years of experience building and maintaining enterprise architectures for businesses and federal government agencies. He worked at the National Security Agency as a network systems contractor and spent more than eight years as a cryptologic technician for the U.S. Navy. Prior to founding Harmony, Russell served four years as a senior biometrics field support engineer in Iraq. He holds multiple IT industry certifications and is a member of the FBI’s InfraGard program.

Harmony Tech moved from Kissimmee to its new Winter Garden office because Russell was drawn to the tight-knit community atmosphere that he and Matt Hadley, vice president of business operations, both enjoyed from their native Wisconsin. Hadley previously worked as a manager at West Orange Country Club for two and a half years.

Together, Russell and Hadley are now working to cut expenses for small businesses to help them run more efficiently like larger companies. Harmony Tech provides a hosted environment for its clients, which means Russell and Hadley can remotely manage and monitor a business’s technology systems and hardware.

“Most IT providers are reactive instead of pro-active, which costs clients more,” Russell said. “if something breaks, the more money they make.”

For a flat monthly fee of approximately $50 to $75 per PC, Harmony Tech handles all of a business’s technology infrastructure. if a computer breaks, for example, Harmony Tech will provide a free loaner replacement while repairs are done. Harmony Tech performs real-time backups for its clients every 15 minutes, so if a computer fails, Russell can replace all data stored from the remote backup.

“if your office burns down, we could literally have you up and running again in just a few minutes [from a new computer with an Internet connection],” Russell said. “It’s like an insurance policy but more proactive.”

With Harmony Tech’s flat monthly fee, Russell said, businesses can budget exactly what IT expenses will be for the coming year, instead of facing unexpected costs. Harmony Tech also consults businesses on streamlining technology costs by eliminating hardware redundancies and installing voice over IP phone lines, which allow for more lines, can be customized for each business’s needs.

“we have seen other IT consulting firms recommend solutions that are not appropriate for the specific client’s business or will not take business operations into their planning as they routinely bring down an entire business while they perform routine maintenance on a server,” Russell said. “That is unacceptable. we work around your business and strive to make technology integrate seamlessly with your business so your business can grow. As your technology partner, when your business grows, ours will grow with you; therefore, we will work hand-in-hand with you to support your growth.”

Harmony Tech monitors its client’s computers for viruses 24 hours a day, seven days a week. if a virus is found, that computer will be shut down remotely and fixed.

“anyone who’s ever lost a school paper or important document or file due to a computer crash can relate,” Hadley said. “For a business, only six percent are able to get up and running and recover from a critical information loss. the other 94 percent are out of business.”

To receive a free assessment for services by Harmony Tech, call 407-454-5039 or visit www.harmony-tech.com.

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