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Category: Insurance

August 22, 2020August 22, 2020Health Insurance, Insurance, Small Business

A business resurrection as consumer value returns to employee benefits

Going back since more than 20 years ago to the late 1990s, I was licensed as an insurance producer in all 50 […]

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November 1, 2019November 1, 2019Insurance, Payroll, Small Business

A workers’ compensation insurance primer for small businesses

In the past many small businesses avoided carrying workers’ compensation insurance. In the future, more small firms will carry this insurance. This […]

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April 24, 2019April 24, 2019Accounting, Insurance

‘Assurance’ though a web app is not insurance

‘Assurance’ based on technology is nice but it does not include the financial risk shifting of insurance or the legal force of […]

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March 10, 2017March 10, 2017Insurance, Real Estate

The Latest on Sandy Recovery: Almost 4 1/2 Years Later

  Superstorm Sandy hit us in October 2012 – almost 4 1/2 years ago. My world has never been the same. On the […]

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January 21, 2017August 7, 2017Insurance, Real Estate

How to handle the Trump mortgage insurance fiasco

If you are a first time homeowner with a variable rate mortgage then there’s a good chance that your payment will increase […]

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December 12, 2016December 12, 2016Accounting, Insurance

Stop wasting time on the worker’s compensation audit

Do you hate worker’s compensation insurance audits? You are not alone. This is an annual time-waster for many small business owners. There […]

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August 24, 2016August 24, 2016Financial Planning, Insurance

North American Life View: a first glance

I’m excited to review a revolutionary way for individuals to purchase cheap regular term life insurance that does not involve the obstacles […]

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August 23, 2016August 27, 2016Financial Planning, Insurance

Big news in consumer life insurance

It’s funny how life works sometimes. Earlier today I put put out a blog post on the topic of business networking vs. paid […]

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July 27, 2016Health and wellness, Insurance

Are we focused on the wrong highway safety issues?

Lately all of our public attention on highway safety seems to be focused on the issue of distracted driving, specifically smartphone use […]

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July 9, 2016Financial Planning, Insurance, Social Media

Mixing journalism with advertising: dangerous for consumers?

This article about buying life insurance on the local Patch website is an excellent example of how media is blurring the line […]

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Tony Novak CPA, MBA, MT

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This Web site is independently owned and operated by Tony Novak operating under the trademarks “Freedom Benefits”, “OnlineAdviser” and “OnlineNavigator”. Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not a representative, agent, broker, producer or navigator for any securities broker dealer firm, federal or state health insurance marketplace or qualified health plan carrier and has no financial position in any stocks mentioned. Novak may act as and be compensated as an accountant, agent, adviser, writer, consultant, marketer, reviewer, endorser, producer, lead generator or referrer to the companies listed on this site or other commercial companies and non-governmental insurance exchanges. Information is from sources believed to be reliable but cannot be guaranteed. Any accounting, business or tax advice contained in this communication, including attachments and enclosures, is not intended as a thorough, in-depth analysis of specific issues or a substitute for a formal opinion, nor is it sufficient to avoid tax-related penalties.

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