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Defensive Driving Courses: Are They Worth It?

 Defensive driving courses are often offered as a way to reduce points on your license, dismiss a ticket, or lower your car insurance premiums. But are they worth the time and cost? In most cases, yes. Completing an approved course can help you avoid higher insurance rates and keep your driving record clean. Many states allow you to take one every 12 or 18 months. Before enrolling, check if your ticket qualifies and ensure the course is approved by the court or DMV. Online options make it easy and convenient. The cost of the course is often far less than the long-term impact of a ticket.
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Is Your Employer Misclassifying You as an Independent Contractor?

 You work full-time hours, take orders from a boss, and use their tools—but you’re paid as a "1099 contractor"? You might be misclassified. Here's what to know in 2025.

1. Why It Matters

Misclassification means:

  • No overtime pay

  • No workers’ comp

  • No unemployment benefits

  • No legal protections under FLSA

2. Key Signs You’re an Employee

  • Set schedule

  • Supervised work

  • Can’t offer your services to others

  • Use employer’s equipment

3. What You Can Do

  • File a complaint with the Department of Labor

  • Keep evidence (emails, contracts, time records)

  • Consult an employment attorney

4. IRS Test

The IRS uses a 3-part test (behavioral, financial, type of relationship) to determine worker status.

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