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or the days worked during the pay period. State Exceptions Some states adhere strictly to FLSA-exempt standards, including provisions for unpaid time off. Some states follow the FLSA to a point and include their own standards. For example, in Texas, an employer may deduct a full days salar y if an employee is absent for personal reasons that are not medically related and if the employee consents to the deduction in writing. If the r eason is due to a medical condition and the employer does not have an established policy for paid leave relating to such absences, the employer c weird free fonts annot make the deduction even if the employee gives written consent. Contact your state labor department if you need clarification on what consti tutes unpaid time off for exempt employees. Time Off Calculation When subtracting for unpaid time off from an exempt employees salary, make the d la cigale et la fourmi jean de la fontaine poesie eduction in full day increments only. Specifically, exempt employees usually receive a full days pay when they take a partial day-off. Therefore, .

efits such as health insurance, and can take advantage of company perks such as fitness centers or employee discounts at local merchants. Agents can also work as independent contractors, earning income totally from commissions, and having to spend for administrative costs. They may need to invest monthly in furniture and equipment from the insurance company in exchange for startup help, signing bonuses and incentives. Training All states mandate that shelter insurance agents have a license. Requirements vary by location, though applicants need some insurance-related trainin desktop icons bad g and must pass several exams. Most colleges and universities offer some insurance courses, and a few have bachelors degrees in the field. Otherw ise, most employers prefer a degree in business, economics or finance. High school graduates may find jobs if they have proven sales ability. Wit la cigale et la fourmi jean de la fontaine poesie h either education, agents usually go through training provided by the insurance companies. Agents can also get certification from national organ .

businesses, especially when soliciting policies or investigating claims. They often set their own work hours, especially if self-employed. This m eans work during evenings, weekends and holidays, when customers have free time. Most agents keep a 40-hour-a-week schedule, though many work lon ger hours, again, if self-employed. According to the Bureau of Labor Statistics as of May 2010, shelter insurance agents made a mean salary of 5 8,350 per year. This was greater than the average sales salary for all occupations in real estate, which was 46,660 per year. Insurance Insuranc free graphic textures e agents rarely specialize only in shelter products, especially when working independently. Instead, they may represent several companies and dea l with life, casualty, health, rental and auto insurance. Mean wages for these types of professionals were 62,520 per year. The lowest 10 percen la cigale et la fourmi jean de la fontaine poesie t received 25,940 per year, while the highest earned 115,340 per year. Nearly 72 percent of all insurance agents worked for agencies and broker .

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