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Are your records organized for an emergency?
Posted Thursday, May 26, at 12:26 PM If you were incapacitated, would anyone be able to find your important records and take care of your family's financial or business matters? Having important papers organized and accessible in advance can be very important in an emergency or crisis situation. Consider the following for organizing your important records...
Renters Insurance: Why you need it There are two big myths about renters insurance. One is that it's too expensive and the other is that it's not needed. Not having renters insurance is a pretty big gamble, considering that without it, you face the cost of replacing your personal belongings after an event, such as fire or theft...
Stay safe while working outdoors State Farm and the U.S. Consumer Product Safety Commission (CPSC) want everyone to be aware of the need for caution and responsibility when tending to lawns and gardens. CPSC has proven that nearly 400,000 people are treated in hospital emergency rooms for injuries from lawn and garden tools. One out of five deaths involves a child...
Keep your cool on the road Does it seem to you that the highway is a much more hostile place than it used to be? Do you notice a lot of rude drivers tailgating you, cutting you off, blocking you when you want to pass, weaving from lane to lane to beat the flow of traffic, maybe even making unfriendly gestures?...
Sharing the Moments of Life Families share the moments of life. Moving into your first home. Picking up your son from school. Walking your daughter down the aisle. But, what if something were to happen to a member of your family? You or your spouse. Would you be able to pay the bills?...
Don't let water damage dampen your day Water damage can dampen your day. Approximately 250,000 families have their homes ruined and their lives disrupted each winter by water pipes that freeze and burst. When the outside temperature drops below freezing, water pipes with little or no insulation are likely to freeze and break...
Life insurance: Plan today for the unexpected tomorrow Life insurance is a practical way to protect your family's financial hopes and dreams, yet millions of Americans have no life insurance coverage. In fact, only 53 percent of adult Americans have life insurance protection. Less than half of those are individual policies, while others depend upon group insurance, leaving them underinsured as well as vulnerable to being uninsured if they lose their job...
Tips to keep teen drivers safe Motor vehicle crashes remain the No. 1 cause of death for adolescents. Teen drivers (ages 16-19) are involved in fatal crashes at four times the rate of adult drivers (ages 25-69). Many teen driver-related injuries and deaths are preventable. In the National Young Driver Survey, 5,665 students shared their views of teen driving. Evidence from this survey supports the important role parents play in raising safe teen drivers...
Embrace life, no matter what Have you heard, "If I had only more time." As people grow older, some may have regrets about all the things they did not do. Not taking an exotic trip or missing visits to family members might top the list. Your list might even include, "not running a marathon."...
Life insurance: It's for the people who live Life insurance is a practical way to protect your family's financial hopes and dreams. The death of a family member can be devastating to survivors both emotionally and financially. Life insurance can provide cash to help with your family's immediate and long-term needs...
Kids Safety: Back to School It won't be long before school starts again. Kids will be out in greater numbers on the streets and sidewalks. As parents, we want our children to enjoy their years in school and return safely home each afternoon. Whether your child is riding a bike, walking or taking a bus, there are a few simple safety rules you should discuss before school starts...
It's Summer...Is Your Car Safe to Drive? Summer is here and that means it's time for vacations, cookouts and summer road trips. Before you jump into the family vehicle, have you done everything you could to ensure safe travels? If not, you may want to think twice about driving "Old Faithful" across the country or across town to a barbecue...
If your home has a fuse box... Chances are, either your home or the home of someone you know has a fuse box. Fuses function the same way breakers do -- to cut off power if an electrical circuit is overloaded. Both fuses and breakers can be very effective in protecting your home against an electrical fire...
What is your objection to term life insurance? One objection to purchasing term life insurance is just that: When the term is over, the policy is finished. That's it. No more coverage. Many people I've talked with about term insurance worry they will outlive the policy period and "waste their money" on something they didn't need. It can be difficult to counter these arguments except by explaining how term insurance can be an affordable way to provide life insurance coverage for a specific time period...
Cars, trucks and motorcycles Cars and trucks far outnumber motorcycles on the roadways. No matter what type of vehicle you're driving, everyone needs to follow the rules of the road and watch out for other vehicles. But, drivers of cars and trucks often don't recognize or see motorcycles...
Keep a home inventory This one goes in the category of those things we are planning to do when we get the time -- making or updating a home inventory. It may not sound like an exciting activity, but in the event of a calamity such as a fire, burglary, flood or tornado, a current home inventory can save a lot of time, money and frustration in the insurance settlement process...
Traditional IRAs: Savings vehicles with tax advantages There are many ways for you to build a retirement nest egg. One of the more popular is the traditional Individual Retirement Account, or IRA. Tax deferral is one of the reasons for its popularity. Contributions to a traditional IRA may be deductible from your income, lowering the federal income tax for which you are responsible. ...
Don't let April 15 pass you by April 15 has long been considered a date to avoid. Wouldn't it be nice if you could do something to lower your federal income tax burden instead of mailing a big check on April 15? With a traditional Individual Retirement Account (IRA), you may be able to do just that...
Ice Dams: Cold weather culprits Nothing says winter to many people like heavy snow blankets and icicles hanging from the roof of their homes. But the snow and icicles present a subtle danger, ice dams. After several days of melting-freezing cycles. It's common for the melted snow and ice to work up under the roof shingles until water enters the attic and eventually does damage to the ceilings, walls and contents...
Are you financially exposed? Many people realize the need for life insurance but keep putting it off until it is too late. You may think that life insurance is confusing, expensive and complicated. You may think you don't know enough to make the right decisions for you and your loved ones. Postponing this decision leaves you and your family exposed financially...
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Hot topics Close the door on dryer fires(1 ~ 6:05 PM, Jan 19)
Are your records organized for an emergency?
Renters Insurance: Why you need it
Stay safe while working outdoors
Keep your cool on the road
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