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How to Make a Fire Evacuation Plan for Your Home
When you’re busy with everyday life, the idea of your home catching on fire might seem like a distant threat. But a blaze can erupt unexpectedly, such as from a cooking mishap, a dropped cigarette, or faulty heating, lighting, or electrical appliances. The flames and smoke could spread through your home within 1 or 2 […]
8 Tips for Enhancing Home Safety for Elderly Family Members and Older Adults
Many adults prefer to remain in their homes as they age. After all, it’s comfortable, familiar, and—well, it’s home. As people age, however, and mobility and response time slows down a bit, minor safety hazards around the house can become more significant. For the elderly (and their concerned relatives), taking a few basic home safety […]
Mobile Home Insurance Market to Witness Huge Growth by 2030
It’s very difficult times ahead for human-kind for we are fighting two pandemics simultaneously. Health & Economy. Salute to all healthcare professionals across the globe, who have dived headfirst selflessly into this tough battle to keep us breathing. We at JCMR, on the other hand, are fighting the “battle to save Mobile Home Insurance industry […]
Does homeowners insurance cover snow damage?
Preparing your home for winter doesn’t just mean cleaning the gutters and stocking up on firewood. You also need to make sure that your home is protected from the ravages of snow damage. Once the snow is piling up outside, it may be too late to make sure you have enough homeowners insurance to help […]
Tips for saving money on car insurance while inflation continues to drive up costs
Inflation is driving up the cost of just about everything, including car parts. Rising inflation coupled with supply chain issues and a labor shortage mean it’s going to cost more to fix your car if you’re in an accident. Bankrate reports car insurance rates are up between 3% and 12% depending on the company. Read […]
Whoa! Do I have enough Life Insurance?
If you have a partner/spouse, child, or elderly parent dependent on your income, you have a need for life insurance. The question: “Am I keeping up with the need?” If you are not checking your need versus your coverage on a regular basis, you may be putting your loved ones in a precarious situation. Welcoming […]
Mobile Home Insurance Market Growth Report
This report is a product of a comprehensive analysis of the Mobile Home Insurance market Trends and Forecast upto 2030. This report covers an exhaustive study of the data that affects the market with respect to the manufactures, suppliers, market players, and customers. The report also includes an overview of the technological applications and strategies […]
6 steps to make sure you have enough homeowners insurance coverage this year
A lot can happen to your home over the course of a year. You might’ve added a nice porch to your house that increased its value or perhaps a local flood came too close to your house for comfort. Regardless of the reason, you may find that the homeowners insurance policy you had a year […]
Urgent warning for drivers to avoid common car insurance loopholes that could cause huge bills if things go wrong
When researchers analyzed 73 elements of insurance across 49 policies from 34 insurers, they found a number of problems many drivers will encounter won’t be covered. While almost all policies provided personal belongings cover, which helps drivers replace or repair items damaged or stolen from the car, not all possessions are included. Just two policies […]
The do’s and don’ts of switching auto insurance policies to save money
Lots of people take an in-depth look at their budget at the beginning of the new year. The holiday season may have resulted in more spending than usual. But with the new year, it’s an opportunity to rein in those expenses a bit. Cutting things like dining out and wardrobe upgrades are obvious ways to […]
Buy a Nice New Car? Here’s How to Keep Your Insurance Costs Low
Recently, I purchased a new car worth around three times more than my old vehicle. We needed a larger car to accommodate our growing family with room for two car seats and a dog. But I was worried about what the purchase would do to my car insurance rates. Read More […]
3 Reasons You Could Regret Waiting to Buy Life Insurance
Many people will end up needing life insurance at some point over the course of their lives. Despite this, it’s common to put off purchasing a policy. This is especially true for young and healthy people with no one who is heavily dependent on their income or services yet. The reality, however, is that putting […]
What Is a Split-Dollar Life Insurance Plan and How Does It Work?
A split-dollar life insurance plan is a valuable arrangement that you might want to consider. The life insurance plan shares policy costs and proceeds. How does a split-dollar life insurance plan work? What types of split-dollar plans are available? A major concern for many people is plunging their households into financial hardship when they die. […]
Best Life Insurance Companies for Seniors of 2022
Some people may wonder whether life insurance is necessary for seniors since their family home is likely paid off and their children are likely no longer financially dependent on them. However, some seniors may still have mortgages or other debt. They may also worry about the financial security of their spouses and/or dependents. Life insurance […]
Life Insurance For Diabetics
If you’re among the more than 26 million American adults with diabetes, you typically can buy life insurance, particularly if the disease is under control. However, coverage will likely come at a steeper price than coverage for someone without diabetes. Still, having a life insurance policy can ensure that your loved ones have a secure […]
Prepping for a big show; lowdown on crop insurance
In-person farm shows are back and a big one focused on Eastern farming is set to premier later this month. Meanwhile, USDA’s Risk Management Agency has announced flexibility for crop insurance that extends some features until June due to the pandemic. In this episode of the Around Farm Progress podcast, we dig into both issues. […]
Your Business Needs Insurance
Many startups perceive insurance as a luxury, shelving it until they are further along in the company’s lifecycle. However, any business serious about sustainable growth should not postpone this decision. There is always a risk is involved in the process of starting and growing a company. Having adequate insurance is key to the success of […]
The cost of car insurance is going up too—here’s why
The pandemic sparked a shift in the world of car insurance. Despite providing customers an estimated $16.4 billion in refunds, auto insurance profits increased as fewer Americans drove and the number of auto claims dropped. But the pandemic continues to shift the industry, and now an increase in insurance costs is expected this year. Supply-chain […]
State of the car insurance market in 2022
Shopping for car insurance can be frustrating. Everything from your neighborhood, age and credit score to the type of vehicle you drive can influence your rates. All the best car insurance companies advertise discounts and low rates, but which ones are actually affordable? We at the Home Media reviews team took a deep dive into […]
How to Lower Your Car Insurance in 2022
At the start of every new year, people set goals. Many of the most common resolutions set during the new year are financial in nature. For instance, some people resolve to pay off their debt before the year ends. Others want to decrease their spending and save money. If you’re one of those people who […]
Difference Between Private and Commercial Car Insurance
A car is primarily an investment. Irrespective of the model and cost and whether it is second-hand or first-hand, a car is an asset. The most effective way to protect your car is to get car insurance from the first day. Depending on your usage, you can get car insurance accordingly. The car insurance for […]
What Is Pay-Per-Mile Car Insurance and How It Helps Drivers Pay More Affordable Premiums
Drivers who are no longer using their vehicles as much as they used before, can save some money when getting a car insurance policy. Paying for a full coverage auto insurance policy doesn’t make sense for these drivers. However, since it is required by law, cutting out car insurance entirely from their expenses is not […]
How to Adjust a Life Insurance Policy
Many aspects of personal finance change over time. Savings goals often change as a family grows, and investments may be re-allocated to take on more or less risk. But often, those with a life insurance policy don’t know that it can also be adjusted to reflect a changing life situation. If you’ve been thinking about […]
Considerations When Purchasing Life Insurance
There are a number of different life insurance products and features to consider when evaluating plans. Discussing the importance of owning life insurance can be a sensitive topic — after all, few people like to talk about death. However, if others depend on your support, or if you have substantial assets that you wish to […]
Medicare and workers’ comp
If you are on Medicare but still in the workforce, it’s essential to know what to do if you are injured on the job. If you have a work-related accident, there may be confusion about how you will pay your medical bills. Does Medicare pay, or does your employer’s workers’ comp insurance pay? The answer […]
Best Small Business Insurance Companies 2022 – Top 10 Cheapest
Every small business owner needs protection in the form of quality insurance for any unexpected emergencies. The right insurance policy can protect your business from potential lawsuits and fines from damaged property. If you get into an accident while driving a business vehicle, your personal insurance policy won’t cover the claim. You need to examine […]
Auto insurance rates are increasing in 2022. Here’s how to prepare.
Auto insurance rates are rarely, if ever, static; instead, rates fluctuate based on several factors and circumstances. Bankrate’s extensive research has revealed that, in 2022, the average cost of car insurance rates will probably rise for many drivers. Several major auto insurers, including Allstate, Progressive, Geico and State Farm, have rate increases that took effect […]
Auto insurance rates climbing in 2022, how to lower your premiums
Auto insurance rates are expected to climb 5% this year, according to Insurify. But a consumer group says many insurance companies still owe drivers refunds for driving less during the 2020 pandemic shutdown. “We have changed insurance companies probably three times. Four years and no accidents, so we’re like, Why is it so high?” wonder […]
Your Insurance Needs May Change If You Rent Out A Room In Your Home
If your kids have moved out and you have one or more rooms sitting empty, you may be thinking about renting out the extra space to generate additional income. Before you do that, check with your homeowners insurance company to find out if you’ll need to adjust your coverage. Read More […]
How a speeding ticket impacts your insurance in Maryland
A speeding ticket on your driving record increases the average cost of car insurance in Maryland by 11%, according to Bankrate’s 2021 study of quoted annual premiums. The increase is due to an increased risk of filing claims. In Maryland in 2019, the most recent year with available data, 72 fatalities and 2,737 injuries resulted […]
CAR INSURANCE RATES GO UP AS U.S. DRIVERS RESUME LIFESTYLES
As Americans resume normal economic activities in 2022, auto insurance rates will rise by 0.6% in 2022 after falling in 2021, according to the State of Auto Insurance in 2022 report from ValuePenguin.com by LendingTree. The average cost of auto insurance is expected to reach $1,935 annually, with 22 states seeing car insurance premiums increase […]
3 Pros and 3 Cons of Guaranteed Issue Life Insurance
Guaranteed issue life insurance is often available even to people who wouldn’t qualify for most term or whole life insurance policies. While it may sound attractive to apply for a policy with guaranteed approval, there are some serious downsides to this type of life insurance as well. Before buying guaranteed issue life insurance, consider these […]
Guide to homeowners insurance
Bankrate’s insurance experts guide you through the basics of homeowners insurance. Our exclusive approach can help you feel more confident in your insurance decisions. Read More […]
Homeowners insurance for new construction
Finding the right homeowners’ insurance policy is an integral part of constructing your dream house. Especially when mortgages are involved. Thankfully, new build home insurance policies are often less expensive. Why would home insurance be cheaper on new homes? Because newer construction involves newer materials and up-to-date practices and techniques, newer homes are generally less […]
Things you absolutely need to make sure your vehicle insurance covers
According to the National Highway Traffic Safety Administration, there were more than 6,750,000 accidents in the United States in 2019. This translates to roughly 18,500 accidents every day. With statistics like these, there is a high likelihood that American drivers will be involved in an accident at some point in their lives, which is one […]
Everything You Need To Know Before Buying Your Car Insurance
Insurance is quite visibly an evolving industry in India and it has a long way to go, especially when it comes to awareness of its significance and utility. This is even more evident in the motor insurance segment where many vehicle owners see it as a mere protocol to spare themselves the hefty fine. However, […]
How Car Insurance Claims Process Works
Insurance is a term we hear almost every day. From life insurance to health and travel, almost everything we do nowadays is insured, which implies we have a safety net if anything untoward occurs. The ongoing pandemic has especially shown us how important it is to be prepared for the unexpected and how insurance works […]
How Car Insurance Claims Process Works
Insurance is a term we hear almost every day. From life insurance to health and travel, almost everything we do nowadays is insured, which implies we have a safety net if anything untoward occurs. The ongoing pandemic has especially shown us how important it is to be prepared for the unexpected and how insurance works […]
Tips to keep your Christmas tree safe from catching fire this holiday season
Many people have Christmas trees set up in their living room for the holidays. Just make sure they’re a festive centerpiece and not a fire hazard. Dry trees pose the biggest safety hazard. To demonstrate that, Leventon and other fire safety scientists conducted live fire experiments on a series of Christmas trees to show their […]
Useful Hacks To Help You Effectively Prevent Road Accidents
No one wants to get into an accident that leads to injuries or even fatalities. Unfortunately, many traffic accidents are caused by human error. While this cannot be controlled all the time, you can take certain measures to keep yourself safe on the roadways. Many useful hacks will help you stay vigilant when driving so […]
Your homeowners’ insurance can protect your holiday purchases
It’s an added layer of protection for your holiday purchases you may not have thought about – insurance. “I think a lot of people wouldn’t realize that if a gift got stolen from them that they would have coverage,” said Jason Metz an insurance analyst with Forbes Advisor. He says your renters or homeowners’ insurance […]
28 steps to take for fire safety
Many Americans have acquired a new appreciation for the destruction of wildfires after several years of fire events scorched hundreds of thousands of acres in California and the American West. While these devastating fires were covered extensively by the media, small-scale house fires caused by cooking, heating, and electrical malfunction are much more common. Read […]
How to estimate how much homeowner’s insurance you need
Although homeowners insurance isn’t required by law, if you have a mortgage, your lender will require homeowners insurance to protect the investment. Determining how much homeowners insurance depends on the type of home your purchase — condo, mobile home, townhome, or single family and goes beyond the appraised value of your home. Read More […]
9 Ways to Minimize Holiday Fire Risks
The winter holidays are beloved for the warmth and light they bring to a cold, dark season. But this wondrous time of year isn’t free from danger. According to the American Red Cross, almost 47,000 fires occur during the winter holidays, taking over 500 lives, injuring thousands of people, and resulting in hundreds of millions […]
Linda Clark Retirement Message
After nearly 50 years in the insurance industry, our Commercial Lines Customer Service Representative, Linda Clark, has decided that it is time to retire. Despite her petite size, she’s left us with some big shoes to fill. Join us in wishing Linda a happy retirement!! As we transition to life without our beloved Linda, we […]
How Much Do Car Insurance Rates Go Up After A DUI?
That last drink at happy hour can cost more than you’d ever imagined if you end up with a DUI. Driving under the influence is a serious offense, and the financial repercussions can follow you for years. There are legal and insurance consequences to contend with after a DUI conviction. The penalties the court can […]
3 ways to save hundreds on auto insurance
How much do you pay for car insurance? The average Arizona driver pays $725 for full coverage and $300 for minimum coverage on a six-month policy. Click here […]
Why is car insurance mandatory?
You have likely heard family members or friends mention auto insurance, and there is no doubt you have seen commercials and advertisements for a multitude of auto insurance companies. But have you ever stopped to ask why car insurance is mandatory? And is it possible to drive without it? Click here […]
Totaled Car: Everything You Need to Know
Accidents happen. A driver is late to pick up their daughter from daycare, runs a stop sign, and crashes into your car. A storm sweeps through town, uprooting the tree in your front yard, which lands on top of your car. Then boom, your vehicle is totaled. If you have auto insurance, you’d probably expect […]
Why It’s Important To Re-Shop for Insurance As You Age
You may know that your auto insurance rate typically goes down when you turn 25, since companies feel that younger drivers are riskier to insure. But once you get a good rate, there’s no guarantee that you’ll always keep one. Money expert Clark Howard says as you age, you need to continue to shop for […]
Comparative Negligence Laws In Car Insurance Claims
The first thing you likely think about right after a car accident is whether anyone was injured. If you’re lucky and no one was hurt badly, you’re then probably wondering how much damage the cars sustained—and who is at fault. The saying “there’s plenty enough blame to go around” sums up the concept of comparative […]
Truck vs. car insurance
When comparing the costs of truck versus car insurance, there’s much more to consider than the type of vehicle. A whole host of other variables related to the vehicle and the driver will affect the amount you ultimately pay for auto insurance. Make and model of the car or truck plays a significant role, but […]
Crop insurance goes organic as demand rises
As consumer eating habits and preferences change, agricultural and crop insurers are seeing a rise in demand for coverage for specialty crops. And the traditionally stable insurance market for agricultural risks is seeing movement as some insurers and brokers expand their operations. Click here […]
Car insurance for multiple drivers
Car insurance for multiple drivers includes coverage for more than one driver on the same policy, which can also include more than one car. Having more than one driver on your auto insurance can affect your rate, but it can also make you eligible for additional discounts. Knowing your options can help you get the […]
The facts about personal umbrella liability insurance
Personal umbrella liability insurance is supplemental liability insurance that kicks in when other liability policies are exhausted. Umbrella policies do not stand alone and are usually purchased from the company providing your home and auto insurance. You will be required to carry a minimum level of home and auto liability insurance, which must be used […]
Here is the average cost for auto insurance in 2021, and how to keep your costs down
The cost to insure a vehicle is on the rise, according to data from the Bureau of Labor Statistics. This brought the 2021U.S. average to $1,451 per year, or a premium of $121 per month, according to the latest report from AdvisorSmith. Click here […]
What Is a Car Insurance Deductible?
Car insurance can help pay for costly repairs and injuries after an accident. But it may not cover 100% of the cost. A car insurance deductible is the amount you’re responsible for paying out of pocket. Some types of coverage have a deductible, and others don’t. Whether you need to pay a deductible depends on […]
How Your Homeowners Insurance Needs May Change After You Pay Off Your Mortgage
Paying off your mortgage is a milestone that can take decades to reach. Once you’re free from the burden of monthly mortgage payments, you will still have to cover some home-related expenses. Your mortgage lender requires you to have homeowners insurance. Even though you don’t have to keep your coverage once you’ve paid off your […]
How to Lower Car Insurance Premiums
Car insurance is an expensive — and mostly inevitable — aspect to owning a car. Some of the reasons coverage is so costly are things you can’t easily change, like your age and where you live. Other factors, though, are within your control. Making the right choices on them could help you save. Here are […]
How to bundle your home and auto insurance
Insurance bundling is a way for people to save money on their home and auto insurance by purchasing more than one insurance policy from the same company. Depending on the carrier, you can get additional bundle discounts for other policies, like life and boat insurance. To bundle your home and auto insurance, gather all the […]
Do vehicle classifications affect auto insurance rates?
When it comes to buying auto insurance , vehicle details matter — and there are a lot of different ways to classify cars. Click here […]
Most Haunted Places in America
Do you love a good ghost story? Are you always up for a fright? We found 13 of the most haunted places in America. Click here […]
How Life Insurance Fits into a Retirement Plan
Congratulations, you’ve reached your golden years! Or maybe they’re just on the horizon. Either way, the end of the working era marks a critical time to review finances and understand how to make sure your money is working best for you. That process includes taking a look at your investments, home equity and other assets […]
How to pick the right car insurance for your teen driver
When picking the right car insurance for your teen driver, a good place to start is by getting quotes from different carriers. This way, you can compare discounts and pricing for the same coverage to get the best rates for an inexperienced driver. Though it can be expensive to insure a teen driver, picking the […]
What Do You Do With Leftover Money From A Home Insurance Claim?
Home insurance is a necessity when preventing significant financial losses caused by damage to your home. The payout from a home insurance claim can help cover the cost of repairing your home or replacing furniture or appliances. Leftover money from home insurance claims can be kept if you’re entitled to it per your policy. Before […]
5 Things You Should Know About Car Insurance
Auto insurance is an essential requirement for every driver, as it helps you cover the liability that occurs when you cause damage to someone else, their property, or their car, and it’s mostly referred to as third-party coverage because it covers others. Car insurance also covers your vehicle, you, and your passengers through medical payments, […]
Farmers Home Insurance Review 2021
Farmers Insurance was started in 1928 and today serves more than 19 million individual insurance policies for 10 million households in all 50 states. Farmers is the No. 4 largest home insurance company in the country. Home insurance policies from Farmers come with these standard types of coverage: Read more from the original source […]
Can You Have Too Much Auto Insurance?
Having a sufficient amount of auto insurance coverage is essential for every motorist. At a minimum, every driver should have the required car insurance for their state. This is crucial to avoid facing potential criminal consequences for failing to have the mandatory minimum insurance. Many drivers should also buy optional coverages as well in order […]
Farmers Urged to Reevaluate Insurance Coverage
An agent says farmers should reevaluate their insurance because of rising repair and replacement costs. Jeff White represents Rural Mutual Insurance in Menominee and Eau Claire, Wisconsin. He tells Brownfield a policy taken out a year or two ago might not meet the needs of the farm today. “Is my big dairy facility insured correctly? […]
Common Mistakes That You Need to Avoid When Buying Life Insurance
For many families, the consequences of a sole breadwinner’s death can be devastating. Life insurance is a useful tool that provides financial security to a policy holder’s loved ones in the event of a tragedy. Whether it is paying the mortgage or paying for children’s college education, a life insurance plan can ensure that they […]
Life Insurance Policy Sales Growth at Highest Level Since 1983
The global pandemic has Americans thinking about and buying life insurance. Total U.S. life insurance policies sold increased 8% in the first six months of 2021, marking the largest year-over-year increase since 1983, according to LIMRA, an industry-funded research group. Read more from the original source […]
Life Insurance Premiums Are Changing
Rates are going up for Basic, and in some cases for the optional forms of insurance too. In other cases, they’re staying the same or being reduced. These changes reflect updated mortality and claims rates in each FEGLI category. The legislative structure of FEGLI assumes that premium rates are set for each age band independently […]
What Does Car Insurance Cover?
You have the keys. You have the car. Now all you need is car insurance and you’ll be ready to hit the road. Here is a look at common car insurance coverage types. Read more from the original source […]
If I Don’t Have a Car, Do I Need Auto Insurance?
Nearly every state requires drivers to have liability coverage before they get behind the wheel. But not everyone who uses a driver’s license owns a car. So, how do you know if you need auto insurance if you don’t have a car? The answer depends on whether you drive, how often, and what car you […]
4 Homeowners Insurance Mistakes to Avoid
Owning a home doesn’t just mean covering a monthly mortgage payment. It also means keeping up with a number of associated expenses, like property taxes and homeowners insurance. But while property taxes are determined by townships and municipalities, homeowners are tasked with putting the right insurance coverage into place. And that could lead to a […]
Should I file an insurance claim for bumper damage?
Car insurance exists to cover you financially if your vehicle suffers major damages or if you are involved in an accident with another motorist. However, not all situations require you to file a claim. A fender bender, for instance, is one such circumstance that could put you in a dilemma over filing an insurance claim. […]
How to Avoid Getting Your Car Insurance Claims Rejected
Owning a car is a dream come true for most. You wish to keep it safe and enjoy a smooth, happy ride with it for a long time. But one cannot avoid unfortunate accidents that come unannounced. A car insurance policy acts as a strong shield that extends financial support for such times. During tough […]
Hurricane Risks Don’t End Once the Storm Is Over
Hurricane Ida continued to pummel Louisiana yesterday resulting in flash flooding and downed trees and power lines. A category 4 hurricane, Ida arrived on the anniversary of Hurricane Katrina, which caused over 1,800 deaths and US$125 billion in damage in late August 2005. The U.S. Centers for Disease Control and Prevention (CDC) offers advice on […]
Helping seniors continue to drive safely
Senior drivers learn how age-related changes in mobility, touch/grip, vision, hearing and cognition can affect their driving in fitness assessments provided by Occupational Therapy at Cayuga Wellness Center’s Brentwood clinic. The assessments help seniors recognize driving situations that can pose extra risks and provide solutions to minimize the chance of accidents. The risks of vehicle […]
How to Help Prepare for a Wildfire
Wildfires can pose particular dangers to both lives and property because they often begin unnoticed and can spread quickly. According to the Insurance Institute for Business & Home Safety (IBHS)¹, windborne embers present a significant threat from wildfires and are the primary cause of most building ignitions. Other wildfire threats include radiant heat and direct […]
How to Pack for a Move [Video]
Anyone who has moved likely can tell you a tale or two about boxes packed at the last minute, perhaps when the moving truck was already parked out front: boxes where the contents of a cabinet got swept up in one fell swoop, never to be opened again, a perfect pre-move time capsule. Don’t let this happen […]
How to Drive Safely in Strong Wind and Rain [Video]
Driving in conditions that involve strong wind or heavy rain can be relatively common and may not be the most pressing safety concern for many drivers, but Travelers safety professionals know that driving in severe weather can significantly increase the risk of a dangerous situation for you, your family and other drivers. Severe weather demands […]
Questions to Ask Your Home Inspector [Video]
Moving into a newly purchased home can be one of the most stressful and challenging life moments for any homeowner. An important part of the process of purchasing a home, aside from the financial considerations, is the required home inspection. Once you make an offer on a home, it is critical to have a licensed […]
Hiring a Contractor Checklist and Tips
As you plan your next home renovation project, choosing the right contractor for the job is a critical first step in your planning process. You want to make sure you vet the quality of their work in advance, spell out in writing what work you want performed and agree upon the scope of the project, […]
The Side Hustle — What It’s All About and How to Get Yours Going
What’s all the fuss about the side hustle? It’s certainly not a new concept to have another income stream in addition to your primary job. Have you ever heard of moonlighting? The great thing is that anyone can start a side hustle anytime. In fact, over 45% of Americans say they have a side hustle, and nearly 1/3 of […]
Should you cancel your summer vacation? Crowds, high prices and variants have some travelers reconsidering.
Mike Gnitecki had an ambitious trip to Italy planned for this summer — a two-week tour of Rome, Milan and Florence. But halfway through booking his first getaway in more than a year, he decided to cancel it. “Airline ticket prices are abnormally high,” says Gnitecki, who works for a fire department in Tyler, Tex. […]
New Report Identifies Cars That Help Teen Drivers Stay Safe
As Bradley Blackburn reports, teen drivers can be easily distracted and don’t have the experience behind the wheel to avoid a crash. That’s part of the reason teenagers are three times more likely to be involved in a fatal accident compared to older drivers. Jennifer Stockburger of Consumer Reports says it’s important parents make sure […]
Everyday cheapskate: Practical tips to help with home maintenance and repair
Maintenance costs can put a serious dent in your budget and savings — a dent that’s tough to repair. While there are certain things you definitely need an expert to handle, there are plenty of other situations in which you can make minor but meaningful repairs without calling for professional support — while saving serious […]
How to tackle the home maintenance to-do list you ignored during the pandemic
More than a year into the pandemic, we’re all suffering from overexposure to our own homes. We’ve had more time to contemplate and less motivation to tackle the out-of-whack elements in our houses and apartments — the minor repairs that have seemingly taken up permanent residence on our to-do lists. You know the ones I […]
Home security checklist: 9 tips for keeping your house safe from break-ins
Moving into a house can be exciting, but putting safety measures in place to keep it protected can feel a little overwhelming. The good news is, burglary is becoming less common every year. But even with dropping rates, FBI data shows that burglaries occur in the US roughly once every 30 seconds. Here are the best and most […]
How to Help Prepare for a Hurricane [Video]
Your level of preparation before a hurricane can have a significant impact on how well you weather the storm and how quickly you recover from it. Consider preparing your home, inside and out, long before a storm is in the forecast. In the end, you can never be too prepared when it comes to protecting […]
How to Avoid Nine of the Most Common Auto Insurance Claims
If you can avoid auto claims, it will save you a bundle on your insurance. The rates you pay are based, in part, on your past driving and claims history. While no one wants to have an accident, they do happen on occasion. That’s why we call them accidents, after all. Auto insurance is an important part of […]
Ways to Prevent Electrical Hazards from Home Appliances
With our homes fully powered by electricity, everyone needs to understand electrical safety and the possible hazards that can result from a single fault. An alarming 31,000 home fires occur every year in the US as a result of such electrical hazards. To protect our homes and our families, let’s look at some practical tips from experts […]
How to Use a Fire Extinguisher [Video]
You should know exactly how to use a fire extinguisher in the event a fire develops and you feel you are safely able to fight it. Before you are faced with the need to use one, be sure you have the right type of fire extinguisher on hand. It is recommended that only those trained in the […]
Grilling Safety Tips
You may be the kind of person who fires up the grill all year long at tailgating parties, or maybe you wait for a warm summer day and a backyard full of friends before you put on your apron. Either way, grilling can be one of life’s simple pleasures. Unfortunately, where there is fun there […]
Summer Driving Safety [Infographic]
Summer vacation season means more individuals and families setting out on road trips of all kinds. Statistics indicate that distracted driving from phone use occurs most frequently during the summer; nearly 10 percent more than any other time of year. This summer, consider how you can avoid distraction and stay focused on the road. Check […]
5 Tips for Moving on a Budget
Moving to a new place is certainly exciting, but it can also be stressful — and expensive. Once you factor in things like movers, packing materials, truck rentals, gas and more, the costs can creep into the hundreds, maybe even thousands of dollars, for just a single move. Are you planning a move soon? Don’t want to […]
10 Reasons Why You May Need a Real Estate Agent
If you’re thinking of selling your home, your mind may be swirling with questions about the process. While it may be tempting to try selling your home on your own, there are many reasons why you may want to consider working with a professional real estate agent. To gain insight, it’s helpful to understand what a […]
Nine Money-Saving Tactics and Tools to Stay Cool
In the heat of the summer months, many of us feel tempted to turn our thermostat down just two or three more degrees to achieve a sense of cooling relief. What we may not be aware of, however, is that those two or three little degrees may make quite a difference in your summertime electric […]
When You Can’t Get Car Insurance: Everything You Need to Know
While almost every state in the country mandates that drivers carry some form of car insurance, it can be challenging to qualify for a policy if you have a bad driving record. However, you do have options if a provider denies you coverage. (opens in a new tab)”>Read more from source article > […]
5 Surprising Factors That Are Raising Your Auto Insurance Premiums
If your car winds up wrapped around a pole, sporting a four-legged hood ornament, or is the subject of a statewide police chase, your auto insurance rates are going to go up. And that might be the least of your problems. But not all the factors that drive your auto car insurance premiums up are that obvious. […]
Spring Garden Preparation Checklist
As important as the right plants are, they can’t do ALL the work for you. A great garden still requires a lot of preparation and maintenance to develop. Before you begin planting in the spring, here is a checklist of the 8 steps you should take to prepare your garden for a successful season: (opens […]
What Is a Smart Alarm System and Why Should I Consider One?
In 2014, criminals committed more than 8.2 million property crimes in the United States, of which nearly 21% were burglaries, according to the Federal Bureau of Investigation (FBI). In 2014, criminals committed more than 8.2 million property crimes in the United States, of which nearly 21% were burglaries, according to the Federal Bureau of Investigation (FBI). With those types […]
Hail Protection for Your Home
Hail storms can strike without much warning, leaving you with little time to react. Being prepared in advance — and knowing what to do — can help you stay safe and keep damage to a minimum. Consider signing up for local weather alerts, which deliver warnings when hail storms are approaching your area. What Is Hail? Hail is […]
About Memorial Day
Memorial Day is an American holiday, observed on the last Monday of May, honoring the men and women who died while serving in the U.S. military. Memorial Day 2021 will occur on Monday, May 31. Originally known as Decoration Day, it originated in the years following the Civil War and became an official federal holiday […]
Spring Home Maintenance Tips
The milder days of spring are a perfect time to do a thorough spring cleaning and perform home maintenance. After a long winter, it is a good idea to spend time on preventive measures to help maintain your home and property throughout the year. Tasks such as cleaning out your gutters, checking for dead trees and […]
9 Home Security Tips
Did you know that a burglary happens every 20.9 seconds in the U.S., according to the FBI?1 Your home is one of your most valuable possessions, along with everything inside it. It’s a place you want to feel safe and secure from the potential dangers of the outside world. Employing and engaging in some basic best […]
Tornado Facts & Safety Tips [Infographic]
Know the relevant facts and figures about tornadoes. When do they occur? Where do they occur? How damaging are they? What do you need to look for when a tornado may be forming, and how do you need to respond in case the worst happens? Know what to do when it comes to tornadoes. […]
Home Maintenance Checklist: 10 Easy Things to Do Monthly
Homeownership is a major responsibility and keeping up with the many tasks for maintaining your home can be challenging. But often, proactive attention to some key areas around your home can help you avoid costly repairs. To help you keep on top of some common tasks, here’s a home maintenance checklist of things to do […]
The Easiest Vegetables to Grow for Beginner Gardeners
When it comes to veggies, freshness is key, and what’s more fresh than growing your own? Fortunately, you don’t need a green thumb to grow a bounty of fresh vegetables right in your backyard or balcony. Whether you’re a gardening novice or just want to start a vegetable garden with the least amount of time […]
Have You Checked the Roof Over Your Head (Here’s What to Look For)
One of the most common mistakes homeowners make is to wait until they see a leak inside their home before checking out their roof. After all, why look for trouble, right? Unfortunately, avoiding home maintenance in this manner could cost you a lot more money in the long run. Roof maintenance should be done each spring and fall […]
Taking Shelter from the Storm: Building or Installing a Safe Room for Your Home
FEMA is pleased to announce the release of its updated fifth edition of FEMA P-320 (2021), “Taking Shelter from the Storm: Building or Installing a Safe Room for Your Home.” This 2021 edition of FEMA P-320 updates and refines criteria for how to design and construct a safe room for a one- or two-family dwelling […]
24 Spring Dinners That Support Healthy Aging
Add some brightness to your plate with these spring dinner recipes. These recipes are packed with colorful, seasonal vegetables, which help provide crucial nutrients and antioxidants your body needs as you age. Recipes like Skillet Steak with Mushroom Sauce and One-Pot Garlicky Shrimp & Spinach are delicious and healthy. Watch the Slideshow > […]
Yard Safety
Backyard entertaining has gotten more elaborate in recent years. Fire pits are helping homeowners extend the backyard season, and today’s playsets involve more than a simple set of swings and a slide. Whether backyard entertaining means spending time by the swimming pool or gathered around the grill, here are some safety tips to help keep your oasis fun […]
Homeowners Insurance
Now’s the Time to Get a Home Insurance Quote Home. It’s your safe haven. It’s where you raise your family and create memories that last a lifetime. Travelers can help you protect this prized possession with homeowners insurance that fits your priorities and your budget. When you’re confident you have the coverage you need to […]
5 Tips for Moving on a Budget
Moving to a new place is certainly exciting, but it can also be stressful — and expensive. Once you factor in things like movers, packing materials, truck rentals, gas and more, the costs can creep into the hundreds, maybe even thousands of dollars, for just a single move. Are you planning a move soon? Don’t want to […]
Renters Insurance: Safeguard your stuff and your personal liability
If you rent a home or apartment, be sure to protect yourself from loss of or damage to your possessions with renters insurance. Protecting You and Your Possessions with Renters Insurance You can get a quote for a renters insurance policy online in just a few minutes or consider making a quick call to your Travelers representative […]
Spring Home Maintenance Tips
The milder days of spring are a perfect time to do a thorough spring cleaning and perform home maintenance. After a long winter, it is a good idea to spend time on preventive measures to help maintain your home and property throughout the year. Tasks such as cleaning out your gutters, checking for dead trees and […]
Car Insurance Discounts
Get the Most Out of Your Car Insurance Coverage – For Less* Get a quote today and see how bundling multiple policies, a safe driving history or low mileage can make all the difference on your monthly premium. Because, no matter your individual insurance needs, everyone wants to save on car insurance. Multi-Policy Discount There […]
Spring Driving Tips
Winter may be most known for its treacherous driving conditions, but spring also can be a difficult season for driving. From wind and rain to wildlife emerging from hibernation, spring driving can be challenging in its own right. It is possible to enjoy the ride, however. By being aware of possible obstacles, increased traffic and […]
Meditation for Older Adults
Meditation may bring to mind images of spirituality and solitude—of quiet, candlelit rooms in sacred spaces with music playing softly in the background. But the beauty of meditation is in its simplicity and accessibility: The benefits touch people of all ages, wherever they are able to find time and space to practice it. The increasing […]
Home Maintenance: When DIY is a Don’t
There are many factors to consider when deciding whether to do a project yourself (DIY) or outsource home maintenance tasks. They include: Cost Safety Your skill level How much extra time you have If you’re like most homeowners, you’ll probably choose to do some tasks yourself while hiring a qualified professional for others. With that in mind, […]
Gardening for Beginners: How and Why You Should Try It
Did you know that 45 minutes of weeding can burn almost as many calories as 30 minutes of high-impact aerobics? In fact, gardening can help you reduce pain, improve mental health, and even protect your home. If you’ve been thinking about picking up a new hobby, there are plenty of reasons to try gardening and plenty of ways to get your […]
Preventing Tax Fraud and Identity Theft
When it comes to filing taxes, there are plenty of reasons to file early instead of waiting until the last minute. The two most obvious are to get your refund back sooner, if you are receiving one, and to avoid long lines in the early-April post office rush. One of the most compelling and more […]
Four Tips to Make Your Accountant Love You
It’s a great idea to make yourself into a client that your accountant loves to see. You may help lower your accountant’s stress levels by being a model client, and also make your own tax season easier and less stressful. What can you do to make sure your accountant is always happy to see you? […]
Spring Preparations for Your Home
Your house can take a beating in the winter months. Ice dams, hail and heavy snow can cause damage to your roof, chimney and attic. To assess any damage that the cold winter left behind, start by inspecting your roof. Luckily, you don’t need to climb onto a ladder to do so. You can use a a pair of […]
Spring Preparations for Your Vehicle
Spring Preparations for Your Vehicle If you’ve been driving your vehicle all winter, here are several maintenance tips that are strongly recommended: Check Your Tire Pressure Gases expand when they’re heared. This means that as the weather gets warmer, you run the risk of driving on overinflated tires. Be sure to check your tire pressure to ensure […]
Decor Enhancement Ideas for Spring
Prepping your home for spring isn’t limited to checking for damage and destruction though. The warm weather, increased sunlight and beautiful colors of nature are what make spring such a great time of year. With a few tricks you can enhance your home to fully welcome the season. You can brighten up any room and […]
Spring Preparations for Your Lawn and Lawn Equipment
Spring Preparations for Your Lawn and Lawn Equipment Lawn equipment such as ride-on and push mowers, leaf blowers and weed whackers all require springtime maintenance. Draining and replacing any fluids, as well as charging the battery is a good place to begin when trying to start lawn equipment that has been sitting in a shed […]
Hiring a Contractor Checklist and Tips
As you plan your next home renovation project, choosing the right contractor for the job is a critical first step in your planning process. You want to make sure you vet the quality of their work in advance, spell out in writing what work you want performed and agree upon the scope of the project, […]
What is an Auto Insurance Score?
An insurance score is a score calculated from information on your credit report. Your credit information can be very predictive of future accidents or insurance claims, which is why many insurance companies use this information to develop accurate rates. Your credit score is one of the factors that can affect your car insurance premium. If you want […]
Tips to Help Prevent Carbon Monoxide Poisoning [Video]
CO is a colorless, odorless gas produced by the incomplete burning of any carbon-containing material, including gasoline, natural gas, propane, coal or wood. CO is dangerous because it replaces oxygen in the blood and interferes with the transport of needed oxygen to cells in the body. Carbon Monoxide Safety Tips Many incidents involving carbon monoxide […]
What Smokers Should Know About Buying Life Insurance
If you enjoy smoking, you probably know that it can impact your health. But did you know you will likely end up paying significantly more for life insurance if you smoke? Because life insurance is often an important part of a financial plan, it’s important to understand what to expect if you’re a smoker (or […]
Navigating Auto Insurance For Delivery Drivers
Many businesses—like restaurants and grocery stores—rely on delivery drivers who use their personal cars. Before the pandemic, Americans had already been enjoying the convenience of having both essential and non-essential items delivered to their doorsteps. In 2019, Americans spent approximately 11 billion dollars on pizza delivery alone, according to Statista, a market and consumer data […]
How Does Auto Insurance Work for Multicar Pile-Ups?
On a single day in February 2021, Americans saw horrific images of the wreckage and carnage of three multicar pile-ups that occurred on icy roads in Texas. The worst of them, a 133-car pile-up on a highway in Fort Worth, killed six motorists. On a highway in nearby Dallas, one motorist died in an 18-car […]
How to Drive in Icy Conditions
Icy weather can create challenging, and potentially dangerous, driving conditions in the winter months. Black ice forms on roadways and can produce a nearly invisible hazard. As temperatures approach freezing, icy conditions can develop, especially on roadways where elevation is higher, and bridges and overpasses. Adjusting your driving behavior for these conditions can help keep […]
Winter Home Maintenance Tips
Preparing your home for winter is an important annual ritual for homeowners. For instance, did you know that adding insulation in your attic before winter arrives can help prevent ice dams this winter? And do not forget that tuning up your heating system now can help prevent more costly emergency repairs at the height of a storm, […]
How to Help Winterize Your Car
You may be inclined to think that your car runs well without much maintenance year-round, and besides an occasional trip to the mechanic for an oil change, any preparation for the winter months is not high on your priority list. In fact, cold temperatures and icy roads can create additional hazards for drivers and place […]
Changes to National Flood Insurance Program/FEMA/DHS
Several changes have occurred within the National Flood Insurance Program (NFIP) that will or already have impacted your Flood Insurance Policy. These changes comply with requirements of the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) and the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA) passed by Congress in their respective years. First, for […]
PROTECT YOURSELF AGAINST MAIL DELIVERY DELAYS
The Maryland Insurance Administration is aware that mail delivery delays have resulted in the cancellation or non-renewal of insurance policies for non-payment of premium. Sometimes this is because bills are not being delivered on time and sometimes it is because payment is not being delivered on time. While insurers are often willing to work with […]
How Self-Driving Cars Could Revolutionize Retirement
For many years, driverless cars were the stuff of science fiction — an intriguing thought exercise, but nothing we ever expected to see in the real world. That is all changing now, and quickly. Self-driving vehicles are in the testing phase in at least 10 locations around the U.S., and it is only a matter of […]
Overcoming Limitations: Finding New Ways to Stay Fit
Working out is a great way to improve health at any age, but jumping into a strenuous exercise regimen can lead to injuries, especially for people age 50 and older. It’s important for people who have not been exercising regularly to begin slowly and avoid the temptation to push themselves too hard, said Dr. Monali […]
Yoga for Every Body
At age 99, Tao Porchon-Lynch is a poster child for the benefits of yoga. She began practicing in India at the age of eight. In 2012, she was proclaimed the Oldest Living Yoga Teacher by Guinness World Records. Her tiny frame remains lithe and fit to this day and she continues to teach weekly yoga […]
Sharing the Demands of Caregiving and the Workplace
As Deborah Koehneke sees it, she has two full-time jobs. One is director of medical clinics in Hillsdale, Michigan. The other is caregiver to her 87-year-old mother with chronic lung disease. Koehneke’s mom lives 90 minutes away; it’s the long distance caregiving that’s tough. Koehneke calls to make sure she’s okay. “Today Mom emailed me to say […]
How to Find the Best Small Business Insurance for Your Business
The average claim for a customer injury or property damage is about $30,000. If a claim leads to a lawsuit, then it can cost upwards of $75,000 to defend and settle. With that information, most small business owners would agree that small business insurance is a priority. No business is too small to be sued, burglarized or damaged by […]
Where to Find Your Next Great Employee: Top 10 Sources for Talent
Need help finding your next employee? Great news, small businesses have never had more options when it comes to recruiting and hiring employees. Today you can use both the traditional print and grassroots avenues of sourcing candidates as well as a host of digital recruiting tools. Each tactic has its place, but which ones are best […]
Embrace These 5 Mental Wellness Habits to Start the New Year Off Right
Many Americans couldn’t wait to say goodbye to 2020. This last year may have maxed out your coping skills and ability to be optimistic, but you can still start the new year right with a fresh set of mental wellness habits to keep you focused and positive. Why is mental wellness so important? For starters, paying attention […]
30-Day Challenge: Random Acts of Kindness
Did you know that performing random acts of kindness can profoundly affect your attitude, outlook and even your health? That’s according to the Mayo Clinic, which also says practicing kind acts can “rewire your brain” to help you be more present to others while boosting your mood. For some people, the more random an act of kindness […]
Do You Know About These 8 Surprising Heart Attack Triggers?
You probably already know many of the factors that increase your risk of a heart attack, which occurs when blood flow to the heart is blocked. These include: A family history of cardiovascular events Obesity Diabetes Stress Lack of exercise Smoking Excessive drinking Uncontrolled high blood pressure and high cholesterol According to the Centers for Disease […]
Four Popular Diets: Is One Right for You?
There are so many popular diets these days that it can be difficult to sort fad from functional, especially when your best friend, relative, or neighbor swears by their fancy new way of eating. Finding a diet that helps you develop better eating habits is extremely beneficial, and special diets are especially necessary for those […]
Create a Cozy Sanctuary With These 7 Winter Home Décor Ideas
Winter officially kicks off with the winter solstice, which takes place in the Northern Hemisphere between December 20th and 23rd. This year the winter solstice is on Monday, December 21st but the exact timing depends on the year. The winter solstice is the shortest day and longest night of the year. More minutes of daylight are slowly […]
Second Time Around: How to Shine When Raising Your Children’s Children
According to recent research, the number of grandparents raising their grandchildren is on the rise: In 2016 The Pew Charitable Trusts reported that 2.9 million Americans were “custodial grandparents,” with legal responsibility for raising their children’s children. And, according to U.S. Census data, 1.5 million of these custodial grandparents are still in the workforce. Grandparents may take on parenting responsibilities […]
The New Stimulus Act: 15 Big Changes That Will Impact Your Small Business
A new coronavirus relief bill was passed by Congress and has been signed into law. If you run a small business, here are 15 things you need to know about it. 1. There is another round of PPP. Who is eligible? The bill authorizes approximately $285 billion for another round of the Paycheck Protection Program that’s […]
Embrace These 5 Mental Wellness Habits to Start the New Year Off Right
Many Americans couldn’t wait to say goodbye to 2020. This last year may have maxed out your coping skills and ability to be optimistic, but you can still start the new year right with a fresh set of mental wellness habits to keep you focused and positive. Why is mental wellness so important? For starters, paying attention […]
A Comprehensive Guide to Branding for Small Business
Branding is an essential component of small business marketing, but its importance can sometimes be lost in the midst of all the other priorities of running a business. Factor in branding’s long-term outlook as well as the challenges of measuring its impact in the short run, and it can be tempting to leave it to the […]
Online Reputation Management: Why It’s Important and How to Protect Yourself and Your Small Business
Your business’s good reputation is one of its greatest assets. It differentiates you from the competition, and customers will pay a premium to do business with a reliable company they can trust. In the past, a business’s reputation was established over time by word of mouth. Today, thanks to the Internet, reputations can quickly rise […]
What Does Cash Flow Mean in Business and How Much Cash is Too Much Cash?
Every small business owner knows that cash is king. Keeping cash flowing is critical to the survival and eventual success of your business. So, yeah, cash flow—as documented in your cash flow statement—is very important for a business. But wait…is there such a thing as having too much cash? Believe it or not, there is such a thing, and […]
5 Tips for Keeping Your Drivers Safe From COVID-19
For businesses built around driving, COVID-19 poses a lot of risks. According to the Centers for Disease Control and Prevention (CDC), the virus spreads between people who are in close contact (within 6 ft) and through respiratory droplets produced when an infected person coughs, sneezes or talks. This can make being in a car with others especially […]
Using These Apps With Your Grandkids Is the Best Thing Since Sliced Bread
The bond between grandparent and grandchild is special—free from the responsibilities of parenthood, you can focus on the sheer joy of being together and supporting each other. More and more of those in the Greatest Generation and Boomers are jumping on the technology bandwagon, both to simplify their lives and to connect with friends and family. According […]
Beware of Scammers During Times of Crisis
In 2008, after Hurricane Ike turned inland and unleashed 75-mile-per-hour winds on the midwest, 2.6 million homes in Ohio—including my own—were left without power. Many people rallied together, offering up the use of generators, delivering food to affected households, and sharing supplies; some took the disaster as an opportunity to enrich themselves. Flashlights, batteries, and […]
Sharing the Demands of Caregiving and the Workplace
As Deborah Koehneke sees it, she has two full-time jobs. One is director of medical clinics in Hillsdale, Michigan. The other is caregiver to her 87-year-old mother with chronic lung disease. Koehneke’s mom lives 90 minutes away; it’s the long distance caregiving that’s tough. Koehneke calls to make sure she’s okay. “Today Mom emailed me to say […]
12 Tips to Ice Out Ice This Winter
Don’t believe ice is just one of those minor annoyances you must endure. Ice can wreak major havoc on your house, your lawn and your car. Sure, you can (and should!) have ample home and auto insurance to cover the costs – but you still have to assess and repair the damage caused by ice. You can […]
Can I Put My Car Insurance On Hold?
Yes, you can certainly put your insurance on hold but there are some important considerations when suspending the entire policy. Between maintenance, gas, and insurance, owning a vehicle can be expensive; the good news is that you don’t have to keep paying for something if you don’t need it. Is your vehicle going to be […]
5 Car Technologies for a More Comfortable Winter Drive
Winter brings with it a specific set of driving woes. Aside from the potential safety risks associated with driving on wet, icy, or snow-covered roads, there are also challenges to comfort that can make for a very unpleasant experience. Even the simplest tasks, such as unlocking your car’s door or starting its engine, can feel like a […]
A 14-step winter detailing checklist … for your daily driver
Hagerty has shared plenty of great articles and advice about winter storage for your classic car. But what about your daily driver? How do you prepare it for the cold, salt, and snow that many of us face? For those of us that live in colder climates, our nightmares are beginning to be filled with our […]
USPS ‘gridlocked’ as historic crush of holiday packages sparks delays
A historic crush of e-commerce packages is threatening to overwhelm U.S. Postal Service operations just weeks before Christmas and runoff elections in Georgia that will decide control of the U.S. Senate, according to agency employees and postal industry tracking firms. As Americans increasingly shop online because of the coronavirus pandemic, private express carriers FedEx and UPS have […]
Holiday deliveries on the way? 6 ways to protect your packages
Each year, thefts hit an all-time high during the holiday season. People everywhere are desperate to find gifts for their loved ones, and the sheer amount of people with expensive goods in their cars or on their porch is too tempting for criminals to resist. But we live in 2020, and nobody should have to […]
Virtual Tours Just a Click Away
The next time you’re tempted to kick back and reach for the remote, why not explore the world’s most famous museums and attractions instead? Nowadays, when you crave culture or famous attractions in the U.S. or another country, all you need to do is power on your phone, laptop, tablet, or other device, and take […]
Older Adults Experience the Positive Affects of Creative Aging
When Samir Saad, 67, retired from his early education job at Head Start two years ago, he felt isolated and unfulfilled. Last year, a friend told him about Stagebridge, an Oakland, CA, non-profit that offers 30 creative arts classes to adults age 55+. Courses range from play writing and acting to storytelling (with performances in the […]
Why Dogs Make the Best Pets for Retirees
Dogs are man’s best friend, and that’s especially true for retirees, who can enjoy an array of health and lifestyle benefits sharing their home with a canine companion. “Dogs just make your golden years brighter,” says Jackie Walker, 71, a former retail clothing buyer who now lives in Tampa, Florida. Walker started her retirement dogless so […]
Create a Cozy Sanctuary With These 7 Winter Home Décor Ideas
Winter officially kicks off with the winter solstice, which takes place in the Northern Hemisphere between December 20th and 23rd. This year the winter solstice is on Monday, December 21st but the exact timing depends on the year. The winter solstice is the shortest day and longest night of the year. More minutes of daylight are slowly […]
Keeping yourself and first responders safe during a snowstorm
Northeastern Pennsylvania’s Regional EMS Education Coordinator, Robert Carpenter, says there’s a lot on his mind when a snowstorm is in the forecast, especially the safety of first responders. “They’re gonna be out there working in the snowstorm. They will take care of patients, go in the crashes,” said Carpenter. “If there’s fires they’re going out […]
You Can’t Travel, but You Can Vacation at Home
In a pre-Covid-19 world, the freedom to be at home without obligations would have seemed like a vacation. But isolating for the coronavirus has changed that perspective. The American belief in productivity may make some feel guilty for taking a vacation day at home, but experts say that it’s no less important to do so […]
What Is Homeowners Insurance?
Homeowners insurance is a type of coverage that pays out if your home or personal property suffers damage due to an accident, including a fire, or certain natural disasters. It also includes personal liability coverage, which protects you in case a bodily injury or property damage lawsuit is filed against you. Homeowners insurance premiums can […]
A 3-Step Life Insurance Check-Up You Should Do Right Now
Open-enrollment season is here — and it’s not just about health insurance. You also need to think about what kind of life and disability benefits your employer offers. Unlike health coverage, these other insurance benefits are almost always provided free to the employee, which makes them practically a no-lose perk — and one you may […]
7 Missed Bills and What They Do To Your Credit Score
Maintaining a good credit score can feel like a game at times. The algorithms credit reporting agencies like Equifax use for assessing creditworthiness are confidential — making the consequences of missing a bill or taking on more debt hard to predict. Still, experts say, certain missed payments can do serious damage to your credit score, […]
Traveling During a Pandemic Is Risky. Here’s How to Plan a (Mostly) Refundable Trip
Booking excursions well in advance is a great way to save some money on your trip. It’s also a huge risk at a time when the coronavirus could cancel your plans at the last hour. Cities have been reopening gradually for weeks now. But some business owners and politicians around the country have already had […]
The Pandemic Is Reshaping Life Insurance for the Better
There aren’t a lot of ways the COVID-19 pandemic has made our lives more convenient. One small one: The way we shop for life insurance. Faced with increasing demand, insurance companies have labored to make buying life insurance quicker and easier. Many of these improvements, such as a more virtual approval process, which are likely […]
Here’s why drivers should get comprehensive car insurance
Vehicle owners have a vast array of auto insurance options to consider these days, with comprehensive auto insurance increasingly ranking high on car owners lists. Comprehensive coverage is auto insurance that throws a protective financial blanket over potential “on the road” risks. “Comprehensive car insurance is an optional coverage you can add to your policy […]
Taken Launches New Website
We have launched our brand new website. Let us know what you think! […]
It’s out with the old, in with the new for Thanksgiving 2020
This week, we officially kick off the holiday season with our Thanksgiving recipes, in print today and online. My menu is all about disrupting the typical — a 2020 theme, if ever there was one — bringing you new ideas about how to shake up the traditional holiday fare. If you’re a traditionalist, our archives have […]
How to fry a turkey without maiming yourself
My boyfriend’s dad acquired a deep fryer a few years ago. Ever since, he’s made a name for himself as the Grease King of the Philadelphia Suburbs. He’s even scored a killer nickname: “Fryin’ Brian.” If you’re pulling a Fryin’ Brian this Thanksgiving, it’s time to brush up on your fryer safety. Thanksgiving is the peak […]
7 Common Car Accidents and How to Help Avoid Them
Let’s face it: accidents happen. And when they do, you might be looking at car repairs and injuries as well as possible increases to your insurance premium. Safe driving can go a long way in keeping you and your family safe and your premium in check. Here are seven common car accidents and tips on […]
How to Protect Yourself from Package Theft and ID Fraud
There are several key times each year when people spend time shopping in stores and online for the perfect gifts for their loved ones, or themselves. While it is easy to get caught up in the fun of it all, it is important to remember that with increased purchasing comes heightened risk of theft. Thieves on the prowl throughout […]
7 Home Insurance Claims and How You Can Avoid Them
While no one plans for their home to get damaged, the truth is that accidents happen. The Insurance Information Institute (III) reports that one out of every 15 U.S. homeowners files a claim on their homeowners insurance each year. Given that, between 2013 and 2017, the weighted average home insurance claim was around$16,000, and in 2015 the annual home insurance […]
Car Maintenance Checklist
New, old, owned or leased — a regular maintenance routine can help protect the value, enjoyment and safety of your car. It can also save you hassles and money in repairs down the road. How often and what care your car needs depends on the make, model and mileage of your vehicle, as well as […]
5 Questions to Ask Your Car Insurance Rep
When it comes to choosing a car insurance policy, many of us let premium price drive our decisions. But cutting corners on cost could leave you underinsured and overexposed to the risks of the road. Fortunately, it’s easy to strike a balance between affordability and adequate coverage when you have the right information.1 Remember: your insurance […]
10 Easy Renovations That Can Help Prep Your House for Sale
This may sound obvious, but selling a house sometimes comes down to just how appealing your home is to potential homebuyers. The attributes that make your house attractive to buyers can include price, the condition of your home and its curb appeal, as well as details like the number of bathrooms, bedrooms and whether the […]
Does Renters Insurance Cover Theft?
If you rent a home or an apartment, you likely have considered ways to protect the things you own. You may even have purchased a renters insurance policy. Does that mean your renters insurance covers theft? It’s a good question. With millions of home larcenies and burglaries reported in the U.S., victims may be unsure […]
Fall Home Maintenance Tips
While spring is a common time for many homeowners to spend some extra attention on upkeep and maintenance, autumn is just as critical a season for preparing your home to withstand the potentially harsh winter weather and temperature conditions that may await you. By making maintenance part of your annual fall routine you can identify […]
How to Help Prevent Frozen Pipes
Frozen pipes can present an invisible threat – one that you might not recognize until the weather starts to warm. By then, the water damage can be significant and costly. Fortunately, keeping your home warmer, at a consistent temperature, and better insulated can help protect your pipes from freezing this winter. Which Pipes Are Most at […]
7 ways to stay healthy (and sane) during the fall coronavirus surge
Get ready for the most difficult months yet in this pandemic. The fall Covid-19 surge is here, fueled by colder weather, reopened schools and pandemic fatigue. The flu season could make the coronavirus pandemic even worse. For the next several months, new Covid-19 infections, hospitalizations and deaths are expected to keep rising as the temperatures […]
7 Ways to Winterize Your House
Whether you’re a fan of winter or simply accept it as a four-month period of perpetual chills, as a property owner, it’s important to prepare your home for the cold weather months each year. Here are seven key steps to winterizing your home you don’t want to skimp on. You may be able to tackle […]
Keyless car thefts: Five vital tips to protect your vehicle from criminals
It comes as car thefts rise across the country, with high-tech modern cars increasingly targeted by thieves using sophisticated new methods of getting away with valuable vehicles. Government data showed that vehicle thefts in 2018/19 reached a nine-year high, with more than 114,000 vehicles reported as stolen in England and Wales alone over the 12-month period. […]
Halloween safety tips during COVID-19
Traditionally, many children of all ages go door to door trick-or-treating on Halloween. This year, the recommendation is to avoid that activity and consider other ways to celebrate. “The traditional Halloween celebration of trick-or-treating and going door to door unfortunately carries risk of transmission of COVID-19,” says Dr. Nipunie Rajapakse, a Mayo Clinic pediatric infectious […]
Halloween 2020: Tips To Stay Safe But Have Fun
Halloween will look very different this year across most of the country. The Centers for Disease Control and Prevention is discouraging traditional trick or treating amid the coronavirus pandemic. The CDC says trick or treating is considered high risk because of close contact and proximity to others. Many kids are understandably bummed out. Even though most Halloween activities are […]
Maryland schools will have to report any coronavirus cases — but health officials don’t plan to publicize the data
Maryland health officials are refusing to release a complete list of schools where cases of COVID-19 have emerged, even as public school systems start making plans to bring select groups of students back to classrooms this fall. The debate over the safety of returning children and staff to school buildings during a pandemic has crescendoed in communities throughout […]
Driving in Fog Safely
Fog can be one of the most dangerous weather conditions for both new and experienced drivers. Fog has the potential to reduce visibility significantly, so it is critical that drivers stay focused on the road in order to stay safe. Severe weather demands your undivided attention, so be sure to reduce any possible distractions by […]
Tips to celebrate Halloween safely during the COVID-19 pandemic
This Halloween, there’s one more monster lurking: the coronavirus. Monday, the Centers for Disease Control and Prevention unveiled its guidelines for celebrating safely on Oct. 31. The health organization advised against traditional trick-or-treating this year and suggested lower-risk activities such as Halloween-themed scavenger hunts at home or placing prefilled treat bags at the end of […]
What Does Umbrella Insurance Cover?
What Does Umbrella Insurance Cover? Whether it’s a serious car accident involving pricey medical bills or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners or boat policies. Travelers Umbrella Insurance Can Provide: An extra $1 million to $10 million of liability […]
How to Build an Emergency Survival Kit
When creating an emergency survival kit for the home, consider the supplies you might need to last you and your family for a minimum of three to seven days. In case of emergencies that may require that you leave your home quickly, such as a wildfire, prepare your kit well in advance, and keep it in […]
Questions to Ask Your Home Inspector
Moving into a newly purchased home can be one of the most stressful and challenging life moments for any homeowner. An important part of the process of purchasing a home, aside from the financial considerations, is the required home inspection. Once you make an offer on a home, it is critical to have a licensed […]
8 Tips for First-Time Home Buyers
A home is likely the largest single investment you’ll make, and being a first-time buyer, you are probably overwhelmed with the cost, complexity and commitment you are about to make. So before you buy your first home, make sure you’ve done your homework. From thoroughly checking out the house to saving money, here’s a handy […]
Greg Bennett receives Insurance Agents & Brokers (IA&B) Young Agent Award!
Congratulations to our very own Greg Bennett, winner of the Insurance Agents & Brokers (IA&B) Young Agent Award! […]
Cruising: A Nostalgic Look Back at the Joy of Driving
Cruising has always been about the journey, not the destination. Getting behind the wheel, driving slowly and often times aimlessly, hoping to see and be seen; those are the goals — not getting somewhere in a hurry. Car cruising had its heyday in the 1950s and into the early 1960s. After World War II, automobile […]
With Maryland students learning from home, what will a typical school day look like?
Across the Baltimore region students will soon embark on a school year like none they have known, one that will begin with teachers trying to recreate the culture and liveliness of a classroom on a computer screen. Every school system in the Baltimore area — and most in Maryland — will start the year operating […]
The Pros and Cons of Composite vs. Wood Decking
You’ve decided it’s time to replace your outdoor deck and you’re ready to take it on as a DIY project, or you’ve decided to work with a licensed and bonded contractor for the heavy lifting. Before you start on such a critical project, it’s important to know that decking options have grown over the last several years, bringing […]
6 Home Renovations that Can Affect Your Insurance
If you’re planning a home renovation, you may want to call your insurance agent first because this decision can impact your homeowners insurance. Some home renovations will change the amount of coverage you need, while others could even help you qualify for a discount. We cover six common scenarios that could affect your insurance, so you […]
Why Do You Need Wedding Insurance?
The Wedding Protector Plan from Travelers helps couples protect their special day, which can be a significant financial investment. Hoping, planning and dreaming sometimes just isn’t enough. A wedding insurance policy can help protect you against the most common wedding insurance claims. For example, 41% of Travelers wedding claims in 2018 were due to vendor […]
How to Break In a New Car
Breaking in a new car is a practice that has been recommended by manufacturers for decades. It’s a combination of driving techniques, precautions, and maintenance tasks, which are ultimately supposed to help extend a car’s lifespan. Do you want the moving parts of the engine to settle in and start working together properly? Of course […]
Three-Minute Home Security Checklist
You are busy, as usual, and are heading out for the day. A quick scan of the weather shows rain in the forecast. You double back for an umbrella, scoop up your rain jacket, and turn around to nudge the door shut behind you, forgetting to lock it. Glancing back at the house, you notice […]
Applications for life insurance are on the rise—here’s what you should know before you buy
Life insurance applications have been on the rise during the coronavirus pandemic. During the first half of 2020, application activity for life insurance rose 1.5% from the previous year, according to the MIB Life Index. Application activity for Americans under 44 rose about 3.4% year-to-date, while activity for ages 45 to 59 was up 0.5%, […]
September is National Preparedness Month. Here’s how to prepare for a disaster during the coronavirus pandemic.
This year, National Preparedness Month is unlike any other. The coronavirus pandemic has upended routine behaviors, forcing Anne Arundel County emergency officials to update plans to include COVID-19 related gear such as masks, hand sanitizer and soap. Go-kits, or bags packed with essentials to sustain you in a disaster or emergency, now need to account […]
How Life Insurance Shopping Has Changed During The Pandemic
The pandemic got a lot of people thinking about how to increase the financial security of their families, now and in the future. And life insurance moved to the top of many to-do lists. A survey conducted in May and June 2020 by Life Happens, an industry-funded education group, found that 67% of Americans say […]
10 Tips for Managing Childcare and Teaching Kids During the COVID Crisis
The coronavirus pandemic has not only produced a health and economic crisis, but a childcare and education crisis for American families as well. Millions of parents are juggling childcare and teaching while working full-time jobs. If you’ve been stressed by managing so many new responsibilities at once, you’re not alone. A March and April 2020 survey by […]
What Can You Do to Help Your Small Business Survive COVID-19?
To say that COVID-19 has taken a heavy toll on the small business community would be a serious understatement. All around the world, countless businesses are struggling to maintain their operations due to this pandemic. But, while there’s no way to escape the consequences of this devastating health crisis, there are several steps you can […]
Teacher Approved Tips & Tricks for Creating the Best At-Home Learning Experience for Your Child
PEOPLE spoke with teachers with experience ranging from elementary to high school about the things you need to know as you prepare to teach your child at home this school year. View slide show > […]
Homeschooling Spikes As Districts Opt For Distance Learning
Maryland schools have seen a sharp rise in the number of parents homeschooling. The increase comes as districts announce they’re going all virtual this coming fall. The number of families choosing to homeschool in Maryland has been steadily growing since 2004. But experts tell Fox45 there’s more growth in homeschooling now, than in the last […]
How to Help Prevent Heat Stroke
Did you know that extreme heat has killed more people in recent years than all other natural disasters combined?1 Between 1999 and 2009, there were an average of 658 heat-related deaths per year in the United States.2 While warmer weather means more outdoor activities for many, knowing how to prevent overheating and how to identify warning signs from heat […]
Moving Checklist and Calendar: How to Move in 30 Days
Even if you are excited to be moving to a new home, to a different state or country, or to start a new job, moving signals significant change and can cause anxiety for many of us. Moving can be especially overwhelming if you wait until the last minute. This day-by-day guide and checklist can help […]
Maryland’s First Lady Leads Coronavirus Aid Campaign
Yumi Hogan helped the American state of Maryland secure 500,000 coronavirus tests from her native South Korea. Hogan is the wife of Larry Hogan, Maryland’s governor. Now she is working to secure donations from the state’s Asian-American communities to fight the coronavirus. Asian Americans in Maryland already have donated about 560,000 pieces of personal protective […]
Keep your yard fun and free of danger
Backyard entertaining has gotten more elaborate in recent years. Fire pits are helping homeowners extend the backyard season, and today’s playsets involve more than a simple set of swings and a slide. Whether backyard entertaining means spending time by the swimming pool or gathered around the grill, here are some safety tips to help keep your oasis fun […]
Swimming Pool Safety Tips
With warmer weather comes an array of outdoor activities for the whole family, including cooling off in a pool if you are lucky enough to have one. But with a pool also comes the responsibility of safety must-haves and best practices that any parent or home owner should be concerned with. With over 200 young children¹ drowning […]
9 Home Security Tips
Did you know that a burglary happens every 20.9 seconds in the U.S., according to the FBI?1 Your home is one of your most valuable possessions, along with everything inside it. It’s a place you want to feel safe and secure from the potential dangers of the outside world. Employing and engaging in some basic best […]
Staying Safe in Work Zone Traffic
Roadwork can be frustrating, but it is a necessary fact of life for all drivers, whether you drive for a living, commute on a regular basis or run the occasional errand. Delays and frustrations brought on by traffic jams caused by roadwork can make even the calmest person impatient. And that can be dangerous in […]
Home Solar Panel Installation Tips
The demand for clean and renewable energy is growing significantly. With more installation and financing options available than ever before, utilizing solar energy has become increasingly attractive to homeowners seeking environmentally and economically sustainable ways to power their homes. Even with such potential benefits, the decision to install solar panels for your home is not […]
A Timeline for Getting Your Teen Driver on the Road Safely
Teens eager to drive often have parents equally concerned about keeping their new drivers safe. In fact, the rate of fatal crashes per mile driven for teen drivers is 3X that of drivers over age 20.1 The reality is that novice drivers can take years to develop real-world experience behind the wheel. Until then, parents can set […]
Summer Internships at Famous & Spang Associates
Famous & Spang Associates (F&S), a family-owned and family-operated insurance agency established in 1909 and located in Harford County, Maryland, is proud to announce the recent hiring of two summer interns: Rafiat Matti and Maliah Karjikar. Rafiat and Maliah, while at Edgewood High School, have participated in The Academy of Finance, an educational program with […]
12 TIPS FOR AN EPIC BACKYARD CAMPOUT WITH KIDS
We may not be able to hit the open road for an epic summer vacation but there is a perfect staycation just waiting in your own backyard. Turning your backyard into a family campsite is a way to experience the great outdoors without having to pack the car, make site reservations, or drive hours to […]
How Often Should I Review My Insurance Coverage?
It’s a good idea to review your insurance coverage at least once a year to ensure that your family and belongings are appropriately protected. You’ll also want to review your coverage any time you’ve made a major purchase or experienced a significant life event, such as getting married, buying a house, sending your child off […]
Five Home Repair Hacks: Become Your Own Handyman
The weekend is the perfect time to tackle that long-awaited home makeover or home repair that you’ve had sitting on your to-do list. If you’re not careful, though, weekend DIY projects can turn into more trouble than they’re worth. How can you make sure those “simple” DIY upgrades don’t become aggravating, messy chores? From learning […]
10 Ways to Travel This Year Without Paying for a Hotel
As summer approaches, many homeowners are eager to get out of their rut and hit the road. It’s time to escape from the routine, meet new people, and explore new sites. If you’re headed out for adventure but need to be budget-minded, know that there are quite a few options for lodging along the way […]
10 Things to Know Before Getting on an Airplane
With new safety precautions in place by the Transportation Security Administration (TSA) and Federal Aviation Administration (FAA), urgent or business travel is permitted. But all non-essential domestic travel, which includes holiday and vacation plans, is highly discouraged by the Centers for Disease Control and Prevention (CDC), the agency overseeing health protection at the national level. […]
A useful tool for managing your remote employees
These guideline considerations are intended to provide assistance to employers who may be transitioning employees to remote work for the first time or have recently done so. While the toolkit includes some typical policy language noted below, it is advised that every company should adjust their policies, procedures and protocols to fit their specific business […]
How to handle the extreme heat!
Extreme Heat Extreme heat is a period of high heat and humidity with temperatures above 90 degrees for at least two to three days. In extreme heat your body works extra hard to maintain a normal temperature, which can lead to death. In fact, extreme heat is responsible for the highest number of annual deaths […]
Is a Hotel a Safe Place During COVID-19? Here’s What to Look For
For many of us, this will be remembered as the summer we spent at home. If home just isn’t cutting it, you may be planning a getaway at your favorite hotel or a physically distant escape to a picturesque Airbnb. Hotels and Airbnbs are happy to hear that, and many of them are doing a […]
Help Your Employees Manage Their Reentry Anxiety
As many states are giving the green light to reopen, employers are developing plans to bring employees back to work safely, giving careful thought to schedules, seating configurations, visitor policies, elevator usage, food delivery, and much more. While workforce reentry certainly includes logistical and operational planning, it is not just physical well-being that employers must […]
Restaurants and COVID-19: How to Dine Safely at Your Favorite Place
The restaurant dining experience as we once knew it is now gone. In the age of COVID-19, it has been replaced with 6-foot spacing between tables, pumps of hand sanitizer, disposable menus, and masks for customers and employees. “I’m going overboard with this,” said Erik Pettersen, executive chef at Evo Italian in Tequesta, Florida, of […]
Leasing a Car: Pros & Cons
When you ask, “Should I lease a car?” you likely hear one of two words: “Do” or “Don’t.’ That makes it difficult to decipher the pros and cons of leasing a vehicle. The answer to the question, like many financial decisions, depends on a host of individual details including price, terms, driving record, insurance history […]
10 Tips on How to Sell Your Car Privately
When you’re ready to replace your old car with a newer or different vehicle, typically you have two options: trade it in at a dealership or sell your car on your own. While the former may certainly be the quickest of the two options, it may not be the best way to maximize the money […]
How To Create a Home Inventory
If you experience a disaster and need to file a claim with an insurance company, it will be extremely helpful to have a completed inventory of your possessions. After the disaster, you’ll contact the insurance company to report details of the loss – but what will you tell them if you can’t remember what was […]
Sharing the Demands of Caregiving and the Workplace
As Deborah Koehneke sees it, she has two full-time jobs. One is director of medical clinics in Hillsdale, Michigan. The other is caregiver to her 87-year-old mother with chronic lung disease. Koehneke’s mom lives 90 minutes away; it’s the long distance caregiving that’s tough. Koehneke calls to make sure she’s okay. “Today Mom emailed me to say […]
Cleaning Out A Loved One’s Home
If you’re like many of today’s young retirees, you may feel sandwiched between the needs of your adult children and your aging parents. Just as you’re beginning to enjoy your retirement, you may find yourself tasked with clearing out a parent’s home. Whether your parent is moving into an independent living apartment, into a nursing […]
Learn More About Car Theft Prevention
Was Your Car Broken Into? Do you ever leave your key fob or keys in your vehicle? If so, you’re among a growing number of drivers getting accustomed to leaving their cars unlocked with their keys inside. Although FBI data shows total vehicle thefts were down 3.1% in the first half of 2018*, the National Insurance Crime Bureau […]
Calories Burned Walking: Walking for Exercise and How to Get Started
More and more Americans are walking for exercise. In fact, the number of adults walking for transportation, fun and exercise increased by 6% in the last five years. In total, 60% of adults are walking for aerobic activity. And there’s a great reason why they should be. The CDC reports that adults need at least 2 […]
Overcoming Limitations: Finding New Ways to Stay Fit
Working out is a great way to improve health at any age, but jumping into a strenuous exercise regimen can lead to injuries, especially for people age 50 and older. It’s important for people who have not been exercising regularly to begin slowly and avoid the temptation to push themselves too hard, said Dr. Monali […]
Four Popular Diets: Is One Right for You?
There are so many popular diets these days that it can be difficult to sort fad from functional, especially when your best friend, relative, or neighbor swears by their fancy new way of eating. Finding a diet that helps you develop better eating habits is extremely beneficial, and special diets are especially necessary for those […]
Reopening a Business After COVID-19: Staff and Client Safety
Stay-at-home regulations are scaling back. How will business owners know it is acceptable to reopen? The following are some things to keep in mind. As the COVID-19 pandemic continues to have an unprecedented effect on daily life, many business owners are looking forward to a return to normalcy. As stay-at-home orders are gradually reduced and […]
Celebrate National Dairy Month by creating a safe dairy operation
This June, dairy leaders, farmers and communities from across America will celebrate National Dairy Month. What began 76 years ago as a way to stabilize dairy demand when production was at a surplus, has evolved into an annual traditional of celebrating the important contributions of the dairy industry. While we take time to honor the […]
5 Reasons to Eat More Color
Colorful, delicious and nutritious foods keep our bodies and minds healthier, longer. Lots of the good Fruits and vegetables provide many beneficial nutrients. Add fruits and vegetables to meals and snacks for a nutritional power boost. Less of the bad Fruits and vegetables are typically free of trans fat, saturated fat and sodium. Load up! […]
Keep Fruits & Vegetables Fresher Longer
It happens to all of us – you buy fresh produce and stick it in the refrigerator only to find it a few weeks later looking shriveled and rotten. To avoid throwing it out, it’s important to know where to store fruits and vegetables and also which foods to keep separate from each other. Some […]
Put Extra Time at Home to Good Use with Seasonal Maintenance
Home maintenance is an ongoing process. From raking leaves and replacing shingles to cleaning disposals and replacing batteries in smoke detectors, there’s always something to take care of. And since many of us are spending more time than usual at home right now, this may be a good opportunity to tackle some of these important […]
15 Fun Activities for Kids Stuck at Home
It can be hard enough for adults to keep busy during extended periods of time at home. But for kids, the boredom can be overwhelming. Help your little ones beat cabin fever with these fun things to do: 1. Start a DIY project Bring out the craft supplies and help your youngster’s inner artist shine […]
10 Important Resources to Help Your Business Survive the Coronavirus Pandemic
Small businesses in the U.S. are having to navigate new issues like never before. The Coronavirus pandemic is creating significant disruptions to both supply chains and demand. Some of my clients have been forced to close their doors due to area-wide quarantines, while others are seeing orders stop and work not getting done. The impact […]
Hotel industry issues coronavirus safety guidelines ahead of anticipated travel surge
Hotels around the country are prepping for travelers to start showing up again amid the coronavirus pandemic. But how can guests know that it’s safe to stay there? The American Hotel & Lodging Association (AHLA) has unveiled its SafeStay guidelines on Monday, an effort made in conjunction with major brands like Hilton, Marriott and Best Western to standardize cleanliness. “It’s […]
Working at home comes with risks and rewards
Have you ever dreamed of setting up an office at home and working in your pajamas? For better or worse, this dream has suddenly become a reality for many people. While working from home can be productive, it also can be unproductive and even problematic. It all depends on how you approach working at home […]
This is where your state stands on reopening during the coronavirus pandemic
In lieu of a nationwide stay-at-home order, governors across the country have taken their constituents’ public health safety into their own hands. Here is the latest for residents of the 50 states and six territories in the United States (and compare it to their estimated peak dates for coronavirus deaths and resource use): Read more from source article […]
What’s the Difference Between Shelter in Place, Safer at Home, and Stay Home Orders?
In the wake of the coronavirus pandemic, local governments are not only forced to provide essential services under dangerous circumstances, they are also responsible for clearly communicating emergency procedures to the public. This often requires taking terms used by emergency personnel and translating them for a much broader audience. The task of taking technical information […]
3 Quick Things You Can Do to Conserve Cash Now
The Coronavirus pandemic has sent a shock wave through the global economy. If your business is anything like mine, you’re most likely already seeing a drop off in demand and a slowdown in traffic. Sadly, many of my clients who operate “non-essential” businesses have been forced to shut their doors to limit the spread of […]
Answering Your Questions About the Paycheck Protection Program
Congress has passed the stimulus bill, setting aside $349 billion to help small businesses. The Paycheck Protection Program (PPP) will provide funding so that small businesses can receive forgivable loans in order to help with payroll and other essential costs. If you’re a small business owner trying to navigate through the pandemic, this money will be a […]
10 Important Resources to Help Your Business Survive the Coronavirus Pandemic
Small businesses in the U.S. are having to navigate new issues like never before. The Coronavirus pandemic is creating significant disruptions to both supply chains and demand. Some of my clients have been forced to close their doors due to area-wide quarantines, while others are seeing orders stop and work not getting done. The impact […]
How to Protect Your Car From Theft
Technology has helped to change auto theft in significant ways. Engine immobilizers, audible alarms and vehicle recovery systems have made cars harder to steal and easier to recover. Today’s thefts are often the product of opportunity, with would-be thieves looking for unsuspecting drivers who leave their cars unattended. While motor vehicle theft rates have declined […]
How to Handle Difficult Clients and Customers
Difficult clients can not only rattle you in the moment, but also cause long term stress and strain on your business. Long-term stress can cause you and your employees to experience a variety of symptoms, such as: Anxiety Depression Sleep problems Headaches These symptoms can all translate into business downfalls, such as: Decreased morale Decreased […]
Spring Home Maintenance Tips
The milder days of spring are a perfect time to do a thorough spring cleaning and perform home maintenance. After a long winter, it is a good idea to spend time on preventive measures to help maintain your home and property throughout the year. Tasks such as cleaning out your gutters, checking for dead trees and […]
Preventing Tax Fraud and Identity Theft
When it comes to filing taxes, there are plenty of reasons to file early instead of waiting until the last minute. The two most obvious are to get your refund back sooner, if you are receiving one, and to avoid long lines in the early-April post office rush. One of the most compelling and more […]
Spring Driving Tips
Winter may be most known for its treacherous driving conditions, but spring also can be a difficult season for driving. From wind and rain to wildlife emerging from hibernation, spring driving can be challenging in its own right. It is possible to enjoy the ride, however. By being aware of possible obstacles, increased traffic and […]
What Money Is Tax Free?
As a small business owner, when tax season arrives each year, you may feel a mix of dread, apprehension, and stress, but it doesn’t have to be this way. You can ease these symptoms by gaining a clearer understanding of what you owe for taxes on the income you’ve worked hard earning all year. In 2017, Americans […]
Are food deliveries and groceries safe during coronavirus pandemic? Yes, experts say
President Donald Trump and governors of various states have suggested Americans should avoid restaurants due to the coronavirus pandemic. Instead we’ve been told to either order delivery, takeout or carefully shop at the grocery store, which has left many people wondering: How safe is it to do all of those things as the virus spreads? […]
Feeling sick? Don’t go to the ER. Do get health insurance.
The Maryland Health Benefit Exchange has opened up a special enrollment period for those in need of health insurance during the coronavirus pandemic. Read more ? […]
Coronavirus Testing Costs Waived In Maryland
MARYLAND — Maryland health care providers will be required to test people for the new coronavirus regardless of their health insurance status or ability to pay, according to a directive from the governor. Gov. Larry Hogan declared a state of emergency in Maryland Thursday after three people in the state tested positive for the novel […]
Staying Safe Around Heavy Equipment
Craft brewers can spend hours in search of that perfect balance of hops and malt, sampling new ingredients and dreaming up the next distinctive signature beers. Part art, part science and all passion, many craft breweries are growing into larger operations, adding taprooms and expanding their distribution. Beer trails that attract a growing base of […]
Breweries and the Craft of Managing Risks
Craft brewers can spend hours in search of that perfect balance of hops and malt, sampling new ingredients and dreaming up the next distinctive signature beers. Part art, part science and all passion, many craft breweries are growing into larger operations, adding taprooms and expanding their distribution. Beer trails that attract a growing base of […]
5 Tips for Choosing Workers Compensation Insurance for Tech Companies
Workers comp plays an important role in helping tech companies maintain and grow their business. Having coverage and services in place that are designed specifically to address the unique risks facing technology companies can be a competitive advantage for your tech firm. Having them might help tip the decision in your favor when prospective clients […]
How to Choose Car Insurance in 4 Steps
Because there are so many companies selling car insurance, sorting through all the choices to find the right policy for you and your family can be a challenging task. With each carrier claiming to offer the best value, it’s easy to feel confused. At first glance, all of the policies may look the same, but there […]
Premises Security and Liability
A slippery or uneven floor, sidewalk or parking lot that leads to a slip, trip or fall; a cluttered exit that prevents prompt evacuation in the event of an emergency; a visitor who is robbed or assaulted on your property: these are but a few examples that could pose hazards to public safety. Potential Premises […]
Is Your Home Insured to Its Replacement Cost?
If you lost your home in a fire, how much would it cost to rebuild it? The answer may be different than you think. And if your home isn’t insured to its full replacement cost, your homeowners policy may not cover the full cost for you to rebuild it in the event of a covered loss. Rebuilding […]
Umbrella Insurance Is The New Liability Coverage
It seems as though the wealthier an individual is, the higher the risk of being sued. It’s just one of the downsides of being affluent, especially if that person is also a business owner. In opportunistic lawsuits, primary policies like standard car insurance, home insurance and a business owner’s policy do not fully protect a […]
Bill Would Expand Maryland In Vitro Insurance To Cover Unwed Women
ANNAPOLIS, Md. — A Maryland mandate that health insurance plans pay for in vitro fertilization doesn’t cover unwed women. But a bill filed in the General Assembly and supported by the Women’s Law Center of Maryland aims to end the state’s distinction of a woman’s marital status, expanding coverage under certain insurance plans that is […]
Reduce bin entry risk with lockout/tagout procedures
Safe bin-entry procedures like lockout/tagout can help reduce the risk of grain entrapment, grain engulfment and entanglement. Grain bins can be extremely dangerous, but implementing safe bin-entry procedures like lockout/tagout can help reduce the risk of grain entrapment, grain engulfment and entanglement. Lockout/tagout is a simple, inexpensive method that helps ensure all necessary equipment is de-energized and […]
‘Hands-free’ laws would make roads safer
by Kirt Walker, Chief Executive Officer, Nationwide Insurance We’ve all been there, behind “that” driver. The one driving erratically with one hand on the wheel, the other hand holding a mobile device, looking down and typing, oblivious to the people he is endangering around him or in his own car. And with the Cellular Telecommunications Industry […]
How to Help Prepare Your Boat for Spring
Are you one of the millions of boaters with spring fever, itching to get your vessel out of winter storage and back onto the water? If so, be sure to take the time to properly de-winterize and prepare your boat before taking it out for its first voyage of the season. Having a spring ritual […]
12 essentials for your mobile DIY car detailing kit
When it comes to prepping your car for a show, you need a Goodfellas “shine box” stocked with detailing essentials to make your car stand out. I try to keep it simple, with a small container that holds everything and fits everywhere—the trunk, the back seat, the passenger footwell. Plastic or aluminum hard cases work, as does […]
Tips for Keeping Your Car Clean with Kids
Whether they’re young enough to still be in a car sear or old enough to be going to soccer practice, kids are messy – but that doesn’t mean your car has to be. You can prevent messes and treat common stains with just a little know-how. Here are tips on how to keep your car […]
10 of the Best Cars for Snow in 2020
When your car doesn’t fare well in the snow and ice, winter can be a challenging time to get around. If you live in an area that gets hit hard, it may be time to consider a vehicle better suited for snowy weather. Here’s a look at 10 models from US News and Auto Guide […]
What Happens When You Get Your First Speeding Ticket?
Learning to drive and getting a license are rites of passage that many of us anticipate from a young age. But one no one looks forward to something that often goes along with it—getting a speeding ticket. There’s no doubt that the first time you’re pulled over and cited for speeding is a stressful situation. […]
What to Consider When Planning for a Family
Starting a family is a decision that requires some careful considerations, including thinking about any career issues that might arise and assessing your emotional readiness. During the planning process, getting your finances in order is a good first step. Having a child can be costly. According to a U.S. Department of Agriculture report, parents spend nearly $14,000 a […]
What You Need to Know About Push Button Start Cars
In the early 2000s, luxury car makers began producing automobiles that were missing something – a key. Like many features that first appeared in luxury autos, the dash-mounted push-button start has now filtered down to more affordable models, and its popularity continues to rise. According to figures released by the National Highway Traffic Safety Administration […]
Fireplace Safety & Maintenance
When the colder temperatures start to set in, many homeowners will turn to their fireplace, wood or pellet stoves as an additional heat source. While fireplaces can provide warmth and comfort, if you are not careful, they can also be a hazard. Keep in mind the following precautions to help ensure a safe winter season. Keep Your […]
How to Identify and Help Remove an Ice Dam
Sometimes, even your best efforts to prevent an ice dam may not be enough. Knowing what an ice dam is, how to identify one and how to help remove it is important to protecting your roof and home from potential damage during the snowy, winter months. What Is an Ice Dam? Ice dams may form when water […]
Don’t Blow It: Use Your Snow Blower Safely
The sound of the plow scraping its way down the road wakes you on a wintry morning. You prepare to dig out from last night’s snow, thankful for the snow blower in the garage. But while a snow blower or snow thrower can make quick work of clearing your driveway and sidewalk, it is not […]
What You Need to Know About Landlord Insurance
Considering renting out your home or investing in a small residential property with a couple of apartments to generate extra income? The notion may be intriguing, and becoming a landlord can be rewarding, but it’s a decision you’ll want to consider carefully to make sure your financial interests are protected. Consider this: your homeowners insurance typically won’t […]
5 Tips for Moving on a Budget
Moving to a new place is certainly exciting, but it can also be stressful — and expensive. Once you factor in things like movers, packing materials, truck rentals, gas and more, the costs can creep into the hundreds, maybe even thousands of dollars, for just a single move. Are you planning a move soon? Don’t want to […]
How Often Should I Review My Insurance Coverage?
It’s a good idea to review your insurance coverage at least once a year to ensure that your family and belongings are appropriately protected. You’ll also want to review your coverage any time you’ve made a major purchase or experienced a significant life event, such as getting married, buying a house, sending your child off […]
6 Considerations Before Joining a Nonprofit Board
It may be the last thing you are thinking about when you volunteer on the board of a nonprofit, but are you aware you might be putting your personal assets at risk? The reason for that is nonprofits face many of the same threats as for-profit businesses, including the potential for lawsuits. If the nonprofit […]
Priceless cure for Maryland baby cost $2.1 million, but insurer paid — and now she’s expected to live
Four-month-old Ainsley Cardente smiles, enjoys “helicopter” rides from her mom and protests when lunch is late. Perfectly ordinary, all of it. And her life is expected to remain that way thanks to a $2.1 million drug recently infused into her little body by doctors from Johns Hopkins Hospital. Ainsley was born with a rare genetic […]
Winter Driving Safety Tips
When winter weather strikes, drivers face out-of-the-ordinary challenges when they get behind the wheel. Snow, slush or icy roads are involved in nearly one in four weather-related vehicle crashes.1 These conditions can make it harder for drivers to see, slow down and stop – all factors that can increase the chances of an accident. If you […]
How Does Buying a Home With Radon Affect My Potential Purchase?
Buying a home is a huge investment, so it’s no surprise that you’ll want to make some serious considerations before taking the plunge. It’s easy to get caught up in the more superficial aspects of homebuying and fall in love with a house for its appearance or layout, but it’s important to remember that there […]