Randon Morris | Federal Trade Commission

The Federal Trade Commission (FTC) Issues a Warning to Advertisers and Businesses

Entrepreneur Randon Morris warns people against manipulating and faking reviews to get more traffic. He understands how important reviews and feedback are to the growth of a business. Reviews attract site visitors to your page to check out what you’re selling. If the visitors are satisfied with what they’ve seen, they go ahead to purchase your products. Sites that lack reviews have a low click and purchase rates. Therefore, many business owners employ Advertisers that manipulate and fake reviews.

However, Randon Morris is against this idea. No matter how good fake reviews are, if your products and services are poor, people will stop patronizing you.

In his words, “the Federal Trade Commission (FTC) will penalize anybody caught manipulating or faking reviews to deceive clients.”

Randon Morris is an I.T. and business professional with years of experience. He is also an FTC representative. He’s innovative, creative, and enterprising.

Why is the FTC Intervening?

Many businesses have deceived their clients with fake reviews so that they can purchase their products. This is called manipulation through ads and reviews. This practice is becoming too much to the extent that the trade commission had to step in.

FTC is put in place to put a stop to corrupt business practices by businesses and big firms. It has laws against manipulated and fake reviews, but it’s tightening the law. Unlike before, the punishment for manipulating and faking reviews is much higher. This includes advertising agencies and platforms that help people manipulate fake reviews. Even if you aim to suppress bad reviews, this is still wrong.

FTF has warned platforms that allow such to occur on their turf. These platforms encourage these shady acts when they don’t have proper disclosure tools.

New guides for endorsing products and services have emerged with new punishments for offenders. No matter how smart you are, you’ll be caught. The trade commission lamented that advertisers use new methods to reach their target audience. They use social media to mislead buyers to buy defective products. Some use stealth ads targeted toward children to manipulate them into liking a product. When the children like the product through manipulation, they’ll ask their parents to buy it for them.

FTC was established to protect the interests of consumers, especially against misleading marketing.

On social media, some influencers receive money to make positive review posts about a product or service. However, they’ll pretend to their followers and audience that they bought the products and give positive reviews. This will mislead their followers to purchase the products because they trust the words of the influencers. Many people have ended up falling into investment scams, being scammed of their money, and buying fake products. This has created a sort of distrust in influencers by social media influencers. People no longer trust products and services advertised by influencers on social media. In return, this has affected businesses that provide genuine reviews for their genuine products and services.

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Randon Morris

Randon Morris – Remote Workers Are More Productive

Since the occurrence of the pandemic, offices and companies have forcefully embraced the idea of working remotely. Since working from home was embraced, there was this general fear that working from home might not be as productive as working at the office. Some are of the thought that working remotely will negatively affect productivity, which is not true based on the result of the post-pandemic.  

‘In recent research, it was discovered that it is more effective working from home once the tools needed for productivity are provided by the company’,Randon Morris remarked. 

Randon Morris is a successful entrepreneur. It was also discovered that operational cost used at the office was reduced. Furthermore, studies show that the well-being of workers working from home improved greatly. As we all know that the health of your workers matters most, if this is not put into consideration, it may equally affect workers’ productivity.

Here are reasons shared by Randon Morris  on how working remotely improves productivity 

Balanced work life

A balanced work-life makes your workers more flexible with their schedule. They make sure they complete the task from the office as fast as possible and once they are done with the assigned task, they can attend to other needs of theirs. Once they have it in the back of their mind that they have a job to do, they make sure the work is done as soon as possible, and this equally makes the office as a whole complete their tasks on time. But working at the office indicates that you have all the day to complete your task, and this may slow down the completion of work thereby leading to less productivity.

Less stressful commute

Workers working at the office need to commute to the office and face the stress of waking up as early as possible, facing traffic and trying to beat opening hours. This stress alone can affect workers psychologically and emotionally. Therefore, the productivity on such days can be very low. But remote workers do not have to face that stressful life; rather they choose to wake up as early as possible to get the task done for the day. With less stress, they get to work effectively; things get done on time and as a result yield great productivity.

Also with more time saved, those extra times can be used to relax, get extra sleep workouts or spend more time with family. This alone can help improve mental and physical health and these are great priorities to consider if you want productive work from your workers.


health insurance policy

Health Insurance Renewal – Things To Keep In Mind

Does Homeowners Insurance Cover Working From Home

Right now, you might have subscribed to a health insurance policy and you regretted this decision. You wish to turn back the hands of time to the day when you bought that policy. You wouldn’t have signed that policy if you had known otherwise. Yes, the deed has been done already. However, you have the option of changing your policy to a new one that will meet your needs.

We have all bought products that didn’t satisfy our needs and returned them. Web designer Randon Morris points out that changing your policy is like changing a product you don’t like. You simply exchange it for a new one. Randon Morris is a business owner and a business consultant with a wealth of experience.

Randon Morris notes that:

  • The current insurance firm must wait to confirm the client’s new policy before canceling his present policy. The client may also specifically request to cancel his current health insurance policy.
  • The client should contact the insurance firm he wants to purchase his new policy from. He should do so within one month and 15 days before his current policy expires.
  • The government allows people to change to a new health insurance policy to protect their interests.
  • You can only change your policy or insurance firm at the time of policy renewal.

Changing Your Health Insurance Policy

A health insurance client has the right to change his policy. If he meets the requirements for changing a policy, the insurance firm should not deny him. He can even change the policies of people under his plan to new policies. When a change of health insurance occurs, the policy owner can transfer pre-existing credits to the new policy.

To change your policy, talk to the new insurance company within the stipulated time as stated above.

Why you should change your health insurance policy

  • Poor Services: Change the policy when you are not satisfied with the services provided by your current insurance firm. If you feel your existing claims and policy are not good enough, it’s time to find a good one. Who knows, when you change to a new one, you might get more benefits from the new plan.
  • Dishonest Practices from Your Current Health Insurance Firm: If you notice that your current insurance firm is not transparent when dealing with clients, change your policy. Otherwise, you might end up being trapped in policy clauses that are not beneficial to you.
  • Your Current Insurer Offers You Less Insurance Benefits: You might discover that the benefits offered by your current firm are less than other insurance firms. Other insurance firms may offer more discounts to clients, have cheaper charges, and wider coverages.

Factors to Consider Before Changing Your Policy

  • Check Your Existing Policy: Have you been using your present policy for a decade or more? If so, it might be possible that your insurance charges may not be as much as new policies.
  • Future Requirements: Put your future requirements into consideration. Is it possible to need more coverage and benefits in the future? If so, find a policy that will cover these requirements.

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If you work from home, should you renew your homeowner’s insurance?

According to Randon Morris, working from home has lots of benefits, like working at your own pace with less pressure.

But the question is, will a remote work affect the homeowner’s insurance?

Let us look at the different analyses that will throw more light on the issue.

When you work remotely, your house insurance may be affected depending on the magnitude of the remote work.

If you’re the sole owner of the firm, your company is not protected by your primary house insurance policies. You need to include additional coverage to your existing insurance.

But once you are a remote worker(fulltime), you’re likely to get coverages on losses relating to businesses. According to Randon Morris, this, however, has its limits. Therefore, it is advisable to consult your insurance officers on the magnitude of your house insurance policies. Discuss your remote employment contract with your firm’s management board.

Questions to ask yourself before getting an insurance

Did they employ you as a work-at-home staff in your firm?
Are you equipped with devices from work that are used by you every day?
Do you own house/tenant insurance?
Are the house insurance covering remote employment?

Will the house policy coverage extend to damaged business Tools?

You need house insurance to protect your private properties. This doesn’t fully cover remote work liabilities. But if you make use of company tools while working from home, the house insurance gives limited compensation, says Randon Morris.

There is some ideal house coverage that extends to the laptops owned by businesses. There are limits, though. Damages of business devices that occur at the house are reimbursed with certain amounts of money. Outside the house, like in cafes, or parks, you get some compensation too.

If a firm’s device gets damaged or lost by you, the boss covers the damage using their insurance schemes. Whereas, any private device stolen will have house policies covering it.

What are the differences between an employed worker and a stand-alone contractor?

A stand-alone contractor is different from an employed worker. The two of them have different insurance protections. The main differences are listed below:

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free animal insurance policy

Free Animal Insurance Policy

The Seoul Metropolitan Government said on Sunday, it will offer a free animal insurance policy for 12 months to those who adopt an abandoned animal.

Anyone who adopts an abandoned animal through 13 designated public agencies and institutions and registers the animal with their local government will be eligible for a free animal insurance policy for 12 months.

The insurance covers treatment of various illnesses, including dental issues, as well as treatment of injuries and compensations for damages caused to humans or other animals.

Several districts are also offering subsidies for the adoption fees that include the cost of vaccines and neutering.

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Travel Insurance Plans

All About Travel Insurance

The Covid-19 pandemic has shown that even perfectly-planned itineraries can sometimes go awry. Caution is of paramount importance and all safety measures need to be in place at all times. This is not restricted to just vaccinations, masks and sanitizers, but travel insurance is a priority too.

While planning a trip, many people realize that a travel insurance policy is a mandatory requirement when you apply for a visa to certain countries. However, many of them buy travel insurance just to comply, without going into details of the policy that they are buying and what exactly it would cover. There are a number of factors that distinguish one policy from another.

Moreover, travel insurance should be on your checklist while planning a trip irrespective of whether or not it’s mandated. To get the most out of your policy, it is imperative to understand what is covered and what is not. So here is a roundup of everything you need to know about travel insurance.

What Is Covered By Travel Insurance?

A travel insurance policy covers various kinds of financial losses that one might encounter during their travel. The policy term is usually the entire duration of the trip. While this protection is quite useful while traveling abroad, one can also get travel insurance to cover their trips within the country. Depending on the policy that you purchase, you could get coverage for emergency medical expenses while traveling, trip cancellation and delay, loss of baggage, delay of checked-in baggage, loss of passport, accidental death or disability, and so on.

Since the cost of travel insurance is only a fraction of the cost of the entire trip, it makes sense to opt for it to secure one’s travels. By making this small investment, you ensure that you do not suffer a big loss should you have to cancel the trip, cut it short, or even face health emergencies during the trip. For instance, you can get a starting plan for as low as INR 50 per day for a 15-day trip to the UK.

Moreover, in these uncertain times, your travel insurance also comes with global coverage against Covid-19 virus. If you are infected by the Covid-19 virus while traveling, your medical expenses would be taken care of by your insurer. Trip cancellation or delay due to Covid-19 is also covered by travel insurance policies.

Types Of Travel Insurance Plans

Not all travel insurance policies are similar. Primarily there are variations depending on whether you are traveling domestically or abroad, whether it is for a single trip or multiple trips, and whether you are traveling alone or in a group. Here are the main types of travel insurance plans:

1. International And Domestic Travel Insurance Plans

While the former covers trips taken abroad, the latter covers trips taken within the country. Even in the case of international travel insurance, plans are often divided into countries that they cover. Therefore, there are plans that cover specific countries or regions; meanwhile, others cover all countries barring a few. Finally, there are some plans that cover travel to any county without any exception.

2. Single-Trip and Multi-Trip Travel Insurance Plans

As the name suggests, a single-trip travel insurance plan covers one specific trip for a specified number of days mentioned clearly in the policy. This starts from the date of departure till the date of return. On the other hand, a multi-trip travel insurance plan covers multiple trips taken within a period of one year from the date of commencement of the policy. This is a handy option for those who travel frequently. Not only is it convenient, but also cost-effective, to go for a multi-trip insurance policy if you travel multiple times a year.

3. Individual and Group Travel Insurance Plans

An individual travel insurance plan is for those who are either traveling alone or with their families. While the name says individual, it covers the policyholder and his/her family members who are accompanying him/her on the trip as long as their names are clearly mentioned while purchasing the policy.

On the other hand, a group travel insurance policy is for companies whose employees are traveling for business. Often, tour operators also buy a group travel insurance plan to cover separate individuals who may be traveling together as part of a package tour. This kind of insurance is often included in the package tour.

4. Student Travel Insurance Plans

The Covid-19 pandemic saw millions of students suffer because of the restrictions that were imposed. This was especially true for students who study abroad. A student travel insurance plan comes in handy in such a situation as it not only covers medical expenses that can eat up your limited expenses while you study abroad but also reimburses paid semester fees if the policyholder’s education is interrupted for genuine reasons. Moreover, these plans also cover the cost of canceled trips.

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D&O Insurance Coverage for Nonprofits

D&O Insurance Coverage for Nonprofits

D&O insurance is the common name for Director and Officers insurance coverage. This type of insurance coverage helps to cover settlements, legal expenses and any wrong allegations against a nonprofit organization. It protects directors and Officers of nonprofits against any violation of duty. According to Randon Morris, it will be wrong to believe that D&O insurance coverage is only for big nonprofit organizations. The reason is that directors and officers of nonprofit organizations have the possibility of being exposed to personal liability irrespective of the organization’s size or type. 

In most cases, directors and officers of nonprofit organizations don’t have enough experience and at times they don’t have a vast knowledge of their responsibilities and duties regarding the organization they serve. Directors and officers of nonprofit organizations need to know that the Federal Volunteer Protection Act doesn’t cover all their actions. This means there is a need for nonprofits to protect their directors and officers with D&O insurance no matter their size or type, says Randon Morris.

The Benefits of D&O Insurance Coverage for Nonprofit Organizations

1. They Help in Making Decisions

Most board of directors for a non-profit organization may have the zeal and passion for their work but most of them lack the knowledge and experience. The responsibilities and duties of a board director might not be known to them and this will eventually lead to them operating a less than profit business organization. For this reason, making a sound decision might be lacking in the organization and this leads to loopholes and creates a greater risk for the company, says Randon Morris. Decisions like employee salaries, how funds are spent, goals and strategies to be met are made by the board of directors and this decision needs to be protected by insurance. With D&O insurance coverage, there will be liability protection. What they do is make lawsuits payment based on the board of directors’ decisions.

2. Attracts More Potential Investors

Lots of organizations are seeking external funding for expansion and growth. For investors to invest in a non-profit organization, they have to be sure of the insurance coverage of the organization. This means they will request a seat on the board of directors. And most investors will only feel safe with companies that have a strong D&O insurance policy.

3. Protection from Bankruptcy

Though declaring bankruptcy saves the company stress and gives litigation protection, it puts the directors and leadership at risk. Whenever a company declares bankruptcy, people will blame them for their incompetence and ask for compensation or pay the company’s debt. This may also lead to directors being sued by an individual or collectively. It will place the directors in a tight corner or a rough spot because the company may not be able to defend them. With a good D&O insurance policy, they protect the directors and executives. And this saves them from lawsuits and other punishments. This is why D&O insurance coverage for non-profit organizations is important.

4. Cyber Scams Coverage

The rate at which cyber breaches are increasing these days is very alarming. Once there is a cyber breach, it costs the organization greatly. 

It cost about $9million per breach in the United States. It’s even complicated to know the cause of the breach or the main purpose of doing it.

The expectation of a customer or an investor is that the non-profit organization should have adequate cybersecurity.

Directors and executives will be blamed, if they find out nothing was done to reduce cyber risk and they will be held responsible. With good D&O insurance coverage for a nonprofit organization, they will be covered.

5. Draws Better Talent

Every organization is searching for talented leaders that can help them lead their companies or businesses. As a result of this, the need for talented leaders is highly competitive. Top-level officers, as well as directors, will not want to put their assets at risk which makes certain things into consideration before joining an organization. As nonprofits that want to work with top-level and talented board members, there is a need to invest in D&O insurance coverage for effective leadership, says Randon Morris. With D&O insurance coverage in a nonprofit organization, the directors and officers don’t have to worry about the risk associated with their role. Rather they can focus more on making decisions that are best for your organization or company. 

The Coverage of D&O Insurance

1. Failure to carry out Official Responsibilities or Duties

Whenever there are any mistakes in a company or organisation the directors and officers are held responsible. The D&O policy can help pay for the cost of hiring a lawyer and other expenses when a board member is sued for not performing official duties or complying with legal requirements. 

2. Mismanaged Funds

Board members may be sued if they are accused of making a poor investment judgment or squandering nonprofits funds. Even if the lawsuit is without merit, legal bills and court costs could deplete your company’s finances dramatically. 

3. Failure to Adhere to Regulatory Standards

The board of directors of charitable organizations or animal shelters may be held responsible if they fail to adhere to regulatory standards. D&O insurance will take care of all legal expenses. 

Final Thoughts

Nonprofits should consider investing in D&O insurance coverage to help protect their directors and officers because, without it, your leadership team might be at risk. According to Randon Morris, D&O insurance will be a great means to mitigate the risk and give your board of directors’ peace of mind and be able to make proper decisions.

Originally Published

Financial Advice from Billionaires

Financial Advice from Billionaires

According to Randon morris, there are still some principles and underlying mindsets that we can all apply to our finances, no matter what we’re reaching toward. And as people who are doing well financially, billionaires can offer some general advice that can be useful even to those who don’t own private islands or overseas bank accounts.

Here are 4 tips from billionaires sharing financial insights.

1. Education is Important – Bill Gates

Bill Gates notably dropped out of Harvard, yet he still believes in the power of education. During a Reddit AMA, a user asked what financial advice the Microsoft founder would offer someone making less than $100,000 annually.

Gates’ reply? “Invest in your education.”

2. Pay off your Credit Card in Full – Mark Cuban

The billionaire owner of the Dallas Mavericks and frequent Shark Tank star has advised people to cut up their credit cards and suggested that if you use credit cards, you don’t want to be rich.

3. Invest in what you believe in – Chase Coleman III

You’ll have opportunities to put your money toward different things. It might be investing in the stock market or into real estate, or it may be supporting a friend’s business or a charity. The important thing is to invest in things you like and believe in. Don’t simply hop into a situation because it’s the trendy thing to do.

4. Keep your emotions in check – David Tepper

Tepper advises patience and trying not to panic, especially when you’ve done your research. That applies to investments in stocks and bonds, but also when choosing your insurance companies or making big purchases, such as a new home or car. If you’ve put in the time to analyze your decisions and aren’t making an emotional choice, you’ll be just fine.

Randon Morris - Pet Insurance

Know Everything About Pet Insurance

Pet insurance is now becoming popular among pet owners, says Randon Morris. Pet lovers and owners are already buying pet insurance for their pets to reduce the health care expenses of their pets. Pet insurance is a type of insurance policy that helps cover the cost of veterinary care in case of any unexpected illness or injury. For pet owners, this type of insurance policy functions more like property insurance rather than health insurance. With pet insurance, the health care of your pet becomes easy and affordable.

Importance Of Pet Insurance

As humans get sick, pets also get sick the same way health insurance applies to humans it also applies to pets. Pet insurance helps reduce the cost of vet bills. The cost of caring for a pet’s health without insurance can be very expensive e.g., vaccination, medication, routine care etc. Even an unexpected medical emergency can hit you so hard and can cost you a few thousand dollars. Also, hereditary conditions like hip dysplasia treatment can be costly. Pet insurance covers various accidents and illnesses like diabetes, broken bones, ingestion of toxic substances, emergency care, surgery, medications, gingivitis and hip dysplasia. 

Some pet insurance also covers dental clinics, therapy and behaviour modification. You should know that pet insurance provider will not cover pre-existing conditions. It doesn’t imply that pets with pre-existing conditions cannot be eligible for pet insurance but the pre-existing condition will be excluded from their coverage. Also, some insurance policy providers will cover curable conditions but that will be after waiting for some time without any recurring symptoms.     

Types Of Pet Insurance

Pet insurance providers offer various plans which are: comprehensive plans and limited coverage plans. Emergencies like bites, poison or bloat are covered under limited coverage plans while various ranges of illness and injury (hereditary condition) are covered under comprehensive plans. Additional premium services can be included which cover breeding, care and behaviour modification. 

Cost Of Pet Insurance  

Various factors can affect the cost of pet insurance:

Breed: underlying conditions might come with pet breed hence pet insurance can be costly for such breed. E.g., large dogs are more costly to insure.

Age: as pets get older, they are more liable to illness and accidents. Therefore, age might be a determining factor for costly insurance.

Location: your location determines how high your pet insurance could be, as some locations cost more than others.

Gender: male pets are more prone to risk than female pets, for this reason, male pets can have higher insurance premiums. 

Based on the analysis insurance cost yearly is about $700 for dogs and $400 for cats. Also, there is an annual coverage and a deduction of $250 with a 90% return.

Is Deduction Possible?

Some insurance providers sometimes offer fixed deductibles while some give you the freedom to choose what suits you. And this allows you to have power over your monthly payment. Deductibles can also differ in schedules; some are applied to every condition and can be renewed every year while some are paid per condition. Deductibles that are paid per the condition can either be renewed annually or can be renewed per lifetime of your pet.

Is it possible to get reimbursement?

An actual percentage of the total invoice can be reimbursed to the pet owners after the deductible has been actualized. Or other options like the company paying a certain amount per the pet condition yearly irrespective of the treatment cost.

What Is the Best Time to Buy Pet Insurance?

Randon Morris recommends early enrolment for pet insurance as emergencies can erupt at any time. Based on analysis most pet owners enrol for coverage within six months of buying a pet, as pre-existing conditions are not covered by any pet insurance company. Enrolling your pet when they are young also helps you save money on pet insurance as older pets cost more.  

Do Exotic Animals Have Pet Insurance?

Those that own exotic animals have a very limited choice of insurance companies. The reason for their limited options is simply because they own non-traditional pets, unlike cats and dogs that are very common. So, if you own an exotic animal you will have to pay more premium than those with a cat or dog. 

How To Select Best Pet Insurance Coverage?

The sooner the better: pet insurance for pet owners should be considered as soon as possible. If you plan on getting a pet you should start searching for coverage. The reason is that the older your pet the more expensive the pet insurance. 

Put the healthcare needs of your pet into consideration: as a pet owner, it is important before selecting a coverage plan for your pet to make a proper evaluation of your pet’s present and future healthcare needs. Knowing fully well that every pet and breed have their unique needs and specific conditions. As a pet owner you should take into consideration your pet medical history before choosing a pet insurance coverage, says Randon Morris

Make a comparison: you might want to make a pet insurance selection based on how affordable the coverage is but pet healthcare has a wide range of scope and is diverse. So, making hasty decisions based on price alone as a pet owner when buying pet insurance is not a good idea. 

In Conclusion

As a pet owner, you might only have to pay for an annual medical check without pet insurance. As there is every possibility your pet won’t get sick, injured or have an emergency health issue but are you willing to take the risk. Though pet insurance might seem expensive for you right now, can you afford veterinary bills in case of an unexpected health condition? Pet insurance is designed for pet owners to help them reduce the expenses of veterinary care in case of any health emergency. When choosing insurance coverage for your pet, ensure you carefully consider the health needs of your pet before making an insurance purchase. If you are a pet owner you should consider buying pet insurance says, Randon Morris.

Save Money on Car Insurance

Ways to Save Money on Car Insurance

According to Randon Morris, companies base your rate on a variety of factors from the kind of car you drive to how long you’ve been insured. By understanding what affects your auto insurance costs, you can get good coverage without breaking the bank.

Here are the ways to help you save money on car insurance.

1. Shop Around

Although auto insurers use similar factors like age, driving history and location to calculate your car insurance costs, they weigh these factors differently. That’s why it’s important to compare rates, says Randon Morris.

2. Take advantage of car insurance discounts

Every insurance company offers special ways to save on your car insurance premium. To make sure you’re getting all the discounts you’re entitled to, check out your insurer’s discounts page and ask your agent to review your possible savings.

3. Drive safely

Speeding tickets, accidents and other traffic violations drive up car insurance premiums. If you get a ticket, you may be offered the opportunity to go to traffic school to get it dismissed or reduce the number of violation points that go on your driving record. If you can keep the violation off your driving record, the time spent in class could lower your car insurance, recommended by Randon Morris.

4. Drop Car Insurance you don’t Need

If your car is a clunker, it might be time to drop collision and comprehensive insurance, which pay for damage to your vehicle. Collision insurance pays to repair damage to your car if it crashes into another vehicle or object, or flips over.

5. Drive a car that’s cheap to insure

Before you buy your next car, compare car insurance rates for the models you’re considering. The vehicle you drive affects your car insurance premium, particularly if you buy collision and comprehensive coverage.