If you’re like many of us, you haven’t actually read your homeowners insurance policy. Do you know what your policy does and doesn’t cover? Should you ever need it, you might be surprised. Because, the truth is, many fairly common events are not covered in a standard policy. Many things not included in a standard […]
With sexual harassment in the spotlight, the hope is that employees and the companies they work for will be more sensitive to the problem and behave accordingly. The recent attention given to the subject makes it more clear than ever that serious efforts must be taken to curb harassment in the workplace. According to the […]
For a variety of reasons, people sometimes want life insurance but don’t want to go through a health exam. It’s a fairly no-muss, no-fuss way of getting a policy. But is it the right thing to do? The answer: it depends. Why Would You Want No Exam Life Insurance? Typically, people who purchase a no […]
It’s common knowledge that if you’re in an auto accident and file a claim your insurance rates are likely to go up. Many people decide not to report minor damage in fear of seeing their rates skyrocket. According to one report, if you file an auto insurance claim of $2,000 or more your premiums will […]
All lenders require you to purchase a homeowners insurance policy when you buy a home. That part’s simple enough to understand. But when you dig a little deeper into what home insurance is all about, it gets more complicated. Here are some things to keep in mind when it’s time to purchase a home insurance […]
Come winter, people in gloomier climes sometimes report that they feel depressed, generally down. This kind of depression is called seasonal affective disorder, aptly shortened to SAD. In it’s milder form, it’s referred to as the winter blues. Research shows that less sunlight can throw your body’s rhythm off and reduce serotonin, a mood regulator, […]
A lot of single people believe there’s no point to getting single life insurance. That makes sense, at first look. But, when you really give it serious consideration you may find that even if you’re single you might benefit from a policy. Think You Don’t Need Single Life Insurance? Think Again. Life insurance isn’t for […]
What To Do Right After the Car Accident When you’re in a car accident, whether it’s minor fender-bender or a major collision, it’s very unsettling. You may be disoriented, not sure what to do next. The best way to be prepared for such a moment is to learn the steps that should be taken after […]
When you’re trying to attract good employees for your small business, you may feel as if big employers have the advantage. After all, they usually pay more, offer the best benefits and demonstrate staying power more easily. But that doesn’t mean you have nothing to offer. With some thought and creativity, you can be hiring […]
Finding good-value, low-cost health insurance is possible, but you have to do your homework. Maybe you’re unemployed, self-employed, or employed but under-insured for your needs. Let’s look at some of the options to consider. Affordable Care Act Marketplace If you qualify for subsidy assistance, the Marketplace or Exchange might be a good solution for you. […]
If there’s one thing we can be certain of in this world it’s that life changes. Situations, lifestyles, ups and downs. That’s something to keep in mind when you’re planning for the future. This is every bit as true for women, but when it comes to life insurance women are underrepresented. Why Life Insurance is […]
You Missed Open Enrollment. Now What? There are a few options in the event you failed to meet the ACA enrollment deadline. 1. Pay the penalty. If you can afford health insurance but fail to buy it, you may have to pay a penalty, called the individual shared responsibility fee or individual mandate. This has […]
When you decide it’s time to buy that new car you’ve been wanting, unless you are in a position to pay cash you’ll need to get a loan. For a lot of people, that step in the process is last, but do yourself a favor and think about that loan first, before you do a […]
Should you, or shouldn’t you? It’s common knowledge that whenever you file an auto insurance claim your premiums might go up. So should you or shouldn’t you file a claim? Whether you should or shouldn’t file depends. When It’s a Good Idea to File a Claim? Some typical scenarios can drive your decision as to […]
Going to be away from home during the holidays? Whether you’re going to a party, shopping or vacation, leaving your home for any length of time gives thieves an opportunity to break in. Take steps to keep your home and everything in it safe before you head out. Here are our tips for preventing theft. […]
8 Ways To Be A Better Boss Hiring employees, managing the business, paying the bills, monitoring customer service, motivating the staff… The to-do list seems to go on forever. Running a business is not for the faint of heart, but there are some steps you can take to make it easier to do a better […]
Most of us have heard the bad news about healthcare in the United States: We spend more on healthcare and prescription drugs than people in other developed countries, yet our life expectancy is shorter or the same. Research shows that, as of 2014, $8,000 per person every year is spent on doctors, treatment procedures and […]
Homeowners insurance is one of those things you know you need, but you don’t know if you can afford great coverage. The good news is there are ways you can save without sacrificing the effectiveness of your policy. Here are some basic ways to save on home insurance. 1. Get a multi-policy discount. Buy more […]
