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Do You Know the Facts? World Alzheimer’s Month & World Alzheimer’s Day

September 2016 is the fifth global World Alzheimer’s Month and September 21st is World Alzheimer’s Action Day. This month and day are dedicated, worldwide, to raising awareness about Alzheimer’s disease and challenging the stigma that comes along with it. The disease was discovered in 1906 by Dr. Alois Alzheimer. The doctor found noticeable differences and changes in brain tissue of women who had died from an unusual mental illness. His foundings are still used today to help to identify Alzheimer’s disease. In the U.S. alone, Alzheimer’s disease is currently ranked as the sixth leading cause of death, and it is the most common cause of dementia among older adults. This year’s theme for World Alzheimer’s Month is “Remember Me”, a theme that encourages people around the world to learn more about detecting the signs of dementia. You can get involved on social media by sharing your favorite memories, or memories of a loved ... Read more

Common Insurance Mistakes to Avoid

Buying insurance? Here's what to avoid.  In this day and age, insurance is essential. Policies protect us when we’re out on the road, at work, and are with us for years and years. Personal insurance is always coverage worth investing time and money into as the protection can be endless. Even so, many people often don’t take the time to learn their policy or choose the wrong one altogether. Insurance mistakes can cost you big, so it’s important to know what obvious mistakes to avoid! Under-Buying It’s easy to go online and purchase the first policy that you see. In doing so, you could be buying the wrong coverage and limited protection. For example, if you purchase the state’s minimum requirements for auto insurance, you could be leaving your brand new car exposed. Not only would your liability limits be lower, but you could end up exceeding your coverage – leaving you to foot ... Read more

How to: Lower Your Workers’ Compensation Costs

Most injuries can be prevented before they occur. Most business owners take the necessary precautions to protect the employees and visitors. Even so, accidents happen. Insurance coverage doesn’t have to drain your funds for the sake of protection. If you’re looking for ways to save on workers’ compensation insurance, you’ve come to the right place! Many injuries that occur on the worksite are entirely preventable. Whether you’ve been hit with a workers’ compensation claim, or are simply looking to reduce the risk of injury in your work environment, read on! Set up a safety program. Many injuries can be prevented before they occur. Having a safety program helps you to identify and eliminate workplace hazards that may cause accidents. California requires employers to have a written safety program in place. Moreover, putting standards and procedures on paper shoes that your company is committed to safety. If you have a plan already in place, ... Read more

Essential Insurance for Your College-Bound Teen

Before your child hits the dorms, kit them out with essential insurance. Growing up is a part of life. Going to college is an experience for any teen. For the parents, it can either be newfound freedom or constant worry. Whatever feelings you have about your child heading off to college, every parent will want to make sure that they’re safe. A reliable form of protection is insurance. Before you start moving in boxes of valuables into their dorm, update your college kid’s insurance! Property You can start be contacting your insurance professional to find out how much coverage your homeowners or renters insurance policy will provide for your child’s personal possessions if they are living in a dormitory. If they are living off-campus, then you can look into purchasing a renters insurance policy. Make a college inventory. Always make a college inventory list so that you and your student know exactly what items ... Read more

Avoid These Three Financial Pitfalls in Your Marriage

One of the most common reasons for divorce is money and arguments about money. To keep your marriage and your checking account in great shape, try to avoid these three financial pitfalls that can plague marriages. 1. Not Having a Budget Budgets can save your marriage from arguments about money. At the beginning of each month, sit down and discuss all potential expenses. Hammer out the budget, being sure that both parties get a vote. Of course, compromise and respect will be necessary on both sides. After the budget is established, all you have to do is stick to it. If an unexpected expense comes up, have a new budget meeting. By deciding ahead of time how much money you can both spend, as long as both parties stick to the agreement, there will be no more money fights.   2. Not Having an Emergency Fund Emergencies will happen to everyone. Having a set ... Read more
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