Giving gifts at Christmas has been a long-standing tradition for many families all over the world. Even though my holidays are incredibly busy, taking time to find a thoughtful gift to show my friends and family they are loved is important to me.
Online shopping makes it easy to find a great selection of gifts and can be a big time-saver. Unfortunately, thieves are waiting to take advantage of you. Here are some tips to protect yourself while shopping online.
As 2017 draws to a close, let’s reflect on some insurance-related items in the industry. While storms and hurricanes certainly dominated the headlines for a while, one issue that has been consistent throughout the year is an increase in auto insurance rates. If you’ve seen a rate increase this year and have wondered why (especially if you have a clean driving record), this blog post is for you.
Why are rates going up? There are three primary reasons.
Christmas is right around the corner which means stores are packed with people trying to find the perfect gift. It often seems like Thanksgiving is quickly surpassed in the excitement of Black Friday, the official kickoff of the holiday shopping season. Stores seem to keep pushing their hours further into Thanksgiving Day, trying to stay competitive. Last year, I remembered seeing advertisements for stores announcing they would be opening at 6 p.m. on Thanksgiving. This year, I even saw some stores open at 6 a.m. on Thanksgiving! It makes me so sad that many people are choosing to opt out of the family Thanksgiving dinner to score some deals on electronics and other items for Christmas presents. This holiday season, I urge you to spend time with your family.
The temperatures have gotten cooler, and the trees are vibrant with color! It is a beautiful time of year.
Fall also means animal-related car accidents are likely to rise. Between October and December, the annual deer breeding season (known as the rut) occurs. Deer can be very active and unpredictable during this time, and many find their way to our roadways.
As the temperatures lower and we start to enter into the fall season, one of my favorite holidays is approaching: Halloween. I remember as a kid the excitement that would build each week as it approached. Being able to dress-up and pretend to be something you idealize is an American tradition unlike any other. For one night a year, you are encouraged to get outside of your home, knock on your neighbor’s door, and ask for a Trick-or-Treat.
Halloween can be fun for the young and old alike, but with this unique holiday also comes unique risks. As we know, Halloween brings out a lot of children with hopes of scoring as much candy as possible in one fateful night. It is essential to be aware, both as a pedestrian and as a driver.
If you are planning to trick-or-treat, there are three things that can be done to increase safety and give everyone a better experience.
The sharing economy is a term that describes the peer-to-peer economic model in which individuals can rent or borrow assets (goods and services) owned by someone else. Other names include the gig economy and access economy. While the practice is not new, due to the rise of Internet commerce, it has rapidly expanded in the last decade and is estimated to grow to a $335 billion business by 2025. Such rapid growth is understandable considering anyone with reliable Internet access can partake. Companies such as Uber, Lyft, and Airbnb are leading the way with global operations and millions of users worldwide. While such easiness makes these platforms accessible, they also present pitfalls and dangers that are not present in other forms of commerce. Whether you are thinking about joining the sharing economy or are already partaking, realize that there are dangers.
One insurance coverage that is extremely important to property owners – and is sometimes overlooked – is Equipment Breakdown Coverage. Equipment Breakdown insurance has been available for commercial property owners for quite a while, but it is now commonly available as an endorsement to homeowner and rental dwelling policies.
This valuable line of protection typically covers three types of losses:
Adding a young driver to an auto insurance policy can cause sticker shock for a parent. According to InsuranceQuotes.com, a rate comparison site, adding a single teenager to a policy caused annual premiums to increase an average of 78%, or $671. The good news is that teen driver rates have been decreasing since 2013 when the average increase was 85%! [Read More]
Did you know that owning a dog, driving a car or inviting guests in your home could make your the target of a lawsuit, even if you are not directly responsible for the cause. Unfortunately, we live in a society where lawsuits are becoming commonplace. Most of us are unprepared for the financial consequences. Watch this video on how to add an extra layer of liability protection that goes above the coverage limits already provided by your homeowners and auto policies to protect you and your personal assets.
If you have a long term goal that seems almost impossible to accomplish, why not try this journaling method?
A few weeks ago, our company hosted a Power Hour luncheon that really struck a chord with me. Jeff Jenkins of Blueprint Consulting Group spoke about his personal journey and shared his “journaling” approach to accomplishing goals. I left the Power Hour feeling refreshed, inspired, and ready to start tackling my goals.