Occupational Safety and Health Administration ( OSHA ) recently updated its COVID-19 guidelines to help employers navigate a world with vaccinated and unvaccinated employees. In its updated guidelines, OSHA has emphasized guidelines for non-healthcare-related industries that typically involve close-quartered contact for extended periods, such as retail, food-service, and other essential positions. OSHA has stated that fully vaccinated people do not need to take all of the precautions that unvaccinated employees must. The guidance focuses mainly on identifying those employees who are at-risk in the workplace and unvaccinated. Who are the at-risk workers? Those who have conditions that prevent them from having a full-immune response to vaccinations. Workers with disabilities; under the Americans with Disabilities Act (ADA), workers with disabilities may be entitled to accommodations to protect themselves from contracting COVID-19. Those workers that cannot be protected from a vaccina
he Texas Department of Insurance and the Texas A&M Forest Service recently collaborated on a live stream covering wildfires and the impacts from the historic freeze . The freeze has set plants and agriculture back a bit as we are not seeing the green of spring as much as we are accustomed to. Even with this setback, wildfires are still prevalent in Texas; it is important for homeowners to take easy, uncostly, steps to help prevent wildfires and protect their homes. Things as simple as: Cleaning out gutters Cleaning out plant beds Getting rid of vegetation that died Checking attic fence to make sure its properly screened in Creating a defensible space around your home (30-foot space around your home) If you encounter a wildfire, safely evacuate your home and call 911 immediately. For information about active wildfires in Texas, visit https://texashelp.tamu.edu/browse/by-type/naturally-occurring/fires-wildfires/ . For more information about how to protect your home from wil
It's Finance-February! Now is always the best time to prepare for your financial future, and what better way to do that than exploring retirement plans? Below, Covenant Services explores the great debate: Roth IRA vs. 401(k). Benefits of a 401(k) Beginning your journey toward retirement savings should start by becoming informed. Understanding the benefits offered from a Roth IRA and a 401k is a great first step. A traditional 401K has the benefit of tax-deductible contributions. This means the money you earned and investing in a 401k won't be taxed. A 401k is a great option for higher-wage earners looking to pay taxes later when they have lower incomes. For many, especially those new to investing, a company's retirement plan can be a valuable tool to build a stable financial future. To help guide you toward which is the right option for you, here are five benefits to a 401(k) plan. 1. Tax Advantages: Contributions made to a traditional 401(k) plan are taken directly fr
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