Whether you’re buying your first home, looking to downsize, or retiring somewhere else, understanding condominium insurance coverage is important. Especially now with the impacts of inflation. Master Policy Coverage Most condo/homeowners’ associations (HOAs) have what’s called a master policy which provides coverage for the exterior of the building and common areas. Common areas may include […]
As a small business owner, you might feel saving for retirement is too complicated or too expensive. However, you shouldn’t rely solely on your business as a retirement plan; it’s risky and often doesn’t work out as expected. One of the first steps in saving for retirement as a small business owner is determining how […]
Protect yourself financially when you owe money on a depreciated vehicle How gap insurance works When you buy or lease a new car or truck, the vehicle starts to depreciate in value the moment it leaves the car lot. In fact, most cars lose 20 percent of their value within a year. Standard auto insurance policies cover the […]
Winter weather can cause many challenges. Snow and ice can make driving difficult. Extremely cold temperatures can make it dangerous to be outside. In fact, cold temperatures also reduce our cars’ fuel economy. This table shows what happens to our fuel economy during the winter months. Car Type Winter Fuel Economy Conventional Gasoline 15% less […]
Millions of Americans—as many as 1 in 40—have hoarding tendencies, and it is even more prevalent among older people. Hoarding is different than collecting because hoarders pursue items with little value. Hoarders also have difficulty getting rid of any items. A hoarder’s house is more than just cluttered: it is overflowing with piles of stuff […]
According to the National Fire Protection Association, local fire departments responded to 1.35 million fires in 2021. And unfortunately, these fires cause upwards of $16 billion in damages annually. The good news is that many of these fires can be prevented by simply being aware of fire hazards around your home or apartment. Are you […]
No matter where you live in the United States, winter weather impacts everyone. From continuous clouds and rain in the west to cooler temperatures, a light dusting of snow, or freezing rain in the south, Mother Nature can be challenging. Here are some ways you can be a good neighbor this winter. 1. Keep your […]
Each fiscal year, OSHA keeps records on the most frequently cited standards stemming from worksite inspections. The latest records outline the top 10 standards cited during fiscal year 2022 (Oct. 1, 2021, through Sept. 30, 2022) and the total number of violations for each standard. By reviewing these findings, employers can better understand common worksite […]
No Car? You Can Still Get Auto Insurance If you don’t own a car but often borrow one from a friend or use a car-sharing service, non-owner liability insurance may be the solution to your insurance needs. This insurance covers you for damage that you may cause to someone else’s car and liability for injuries […]
Children are both sponges and mirrors. They soak up and reflect what they see and hear. And this is particularly true when it comes to emulating the behaviors of their caregivers. Indeed, parents aren’t only a child’s first teachers, but they’re also a child’s most important role models. So, if you want to instill healthy […]
