Personal Protection

5 Key Actions in Case of a Ransomware Attack

Posted by on Jun 7, 2017 in Personal Protection, Uncategorized | 0 comments

Imagine this: you are seated at home working on your computer, either answering your email or polishing a work related presentation. Suddenly, a message blinks on your screen. The message curtly demands that you send cash to a certain destination, failure to which you will be unable to access any of the documents stored on your computer. You also discover that your keyboard has become unresponsive. Logically, you decide to restart the computer. The screen comes right back on, but to your shock, you are still unable to access any of your files and folders. It dawns on you that your data has...

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Controlling Auto Insurance Costs

Posted by on May 18, 2017 in Personal Protection | 0 comments

Does it feel like automobile insurance rates just keep increasing? It is part of a national trend. Blame increased accidents resulting from distracted driving. But there are some ways you can save on your policy: If you are a student, you can save as much as 25% with good grades. It pays to strive for those A’s! Higher deductibles can also help reduce your insurance premium costs. Just be careful about leaving yourself with too much exposure. (Your deductible should be something you can afford to pay.) If you are over 50 you may be able to take defensive driving courses. These could qualify...

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Automobile insurance rates are on the way up because of distracted driving…

Posted by on Apr 24, 2017 in Personal Protection | 0 comments

More drivers are taking their eyes off the road. They are being distracted by mobile devices and it is resulting in more accidents. Worse, it’s inflating your costs for coverage as well. In fact, a state-by-state evaluation has uncovered that rates have been increasing for the last 5 years. There are a few factors that influence rates going up… More people are driving. Cars are more expensive to repair. Texting while driving has become the largest cause of accidents… (The National Highway Traffic Safety Administration determined distracted-driving deaths increased 9 percent in 2015 alone!)...

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Credit insurance scores poorly…

Posted by on Apr 4, 2017 in Personal Protection | 0 comments

Many kinds of credit lines and installment loans offer credit insurance. These products are designed to “protect” an individual’s credit score by covering installment payments in case of certain qualifying situations. Sadly these tend to be overpriced according to recent research. A study covering 2004 through 2013 demonstrated that 44.4 cents in benefits were paid for each dollar spent on such insurance policies. (By comparison, typical health plans offer 84.1 cents in benefits for each dollar spent. So if the goal is to protect yourself in case you get sick or injured, you might be better...

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Is Pet Insurance Really Worth The Cost?

Posted by on Mar 9, 2017 in Personal Protection | 4 comments

Owning a pet can be expensive. A well-bred puppy can easily cost $2,000+ for a desirable breed. Annual costs can be $700 or more including food and wellness checkups at the vet. And that assumes things go well. If a pet requires an emergency visit to the vet, the costs for such visits can quickly skyrocket into the thousands of dollars. Treating chronic illnesses is expensive too. But let’s face it. Pets become a treasured part of our families. Insurance becomes about more than protecting your investment in the animal. If your dog or cat gets sick, most folks struggle with the idea...

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Watch Out For Being Over-Insured With These Handy Tips

Posted by on Jan 24, 2017 in Personal Protection, Uncategorized | 2 comments

Here’s one of the core things we help our clients with. Understanding how to minimize personal economic dangers via insurance coverage. For example, the sudden death of a close relative can have a significant negative impact on your family’s financial well being. Having adequate life insurance can help address this. Your home might catch fire. Adequate homeowners insurance offers critical protection. And of course having appropriate auto insurance protects you from a loss in case your car is totaled. It’s important to have insurance to protect against all of these different threats. But...

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