It’s that time of year again: cold snap season. Plumbing systems can freeze when temperatures take a sudden nosedive past the freezing mark, or 32 F. And when water freezes and expands within a pipe, the pipe can burst. Here are some tips to protect your plumbing during extreme cold: Turn one faucet to a […]
As we move past the emergency phase of the COVID-19 pandemic, it’s tough to predict how much health care costs will increase. But one thing most experts agree on is that costs will indeed go up, anywhere between 4% to 10%. Prescription drug spending is also expected to rise. Rising health care costs Health care […]
The Consumer Product Safety Commission reports toy-related injuries led to 206,400 emergency room visits in 2021. Most of them involved children 12 and younger. To enjoy this year’s holiday gifts worry-free, educate yourself about the dangers of toys and how to keep your kids safe. Common toy-related injuries According to The Emergency Center, an independent […]
Your morning sets the tone for the rest of your day. To achieve a positive, productive effort at work, it helps to maximize your time before you clock in. Try these five strategies to establish a routine that jump-starts your morning and builds momentum for a better day: Make time Rushing to get ready starts […]
Nobody wants to be surprised by higher premiums — especially in retirement. With Medicare Part B and Part D, there are strategies that may help you avoid increased monthly payments. The issue Most people receive Medicare Part A (hospital insurance) for free. But monthly premiums apply to every individual with Medicare Part B (medical insurance) […]
Your rooftop solar system is installed, the panels are powering your daytime routine and you’re amped you’re doing your part to reach a zero footprint. Then the tornado touches down. Your home is destroyed, but it’s a covered peril, and your homeowners coverage responds without a problem. Your homeowners policy limit is $200,000. That’s just […]
From a physical and financial health perspective, it’s wise to examine your Medicare Advantage coverage each year. Medicare open enrollment takes place annually from Oct. 15 through Dec. 7. This makes fall a good time to start planning for the year ahead. The following considerations can help you determine whether your current plan meets your […]
Recreational drones, sometimes called unmanned aircraft systems or unmanned aerial vehicles, are growing in popularity every year. The Federal Aviation Administration (FAA) reports that more than 871,000 drones were registered as of January 2023. And the number continues to grow. That means a lot of new operators and a lot of new opportunities for fun […]
Life insurance is a smart way to protect what matters most. Contact us today. Sources: By Applied Systems, Inc.
Driving a motorcycle can be liberating, but it can also be dangerous. There are unique risks involving motorcycles, and accidents can be severe. The right insurance coverage is essential to protect yourself, your passengers, other drivers and your bike. Standard motorcycle insurance policies cover bodily injuries, property damage and liability to others. They can help […]
Nutrition plays a critical role in brain function, as the brain is one of the most metabolically active organs in the body. The brain requires a constant supply of nutrients to maintain its structural and functional integrity, and a deficiency in any of these nutrients can significantly impact brain health. Certain nutrients have been shown […]
The National Highway Traffic Safety Administration (NHTSA) reminds drivers that safe motorcycle riding and driving habits can help save lives. The main contributing factors to motorcyclist fatalities in a crash are speeding and alcohol use. There are several ways motorcyclists can help ensure a safe ride: Look Twice Save a Life Motorists must remember that […]
Elevating Your Psychological Resiliency Psychological resilience is the ability to mentally withstand or adapt to uncertainty and adversity. Building resilience to life’s inevitable changes and challenges can help you cope with and manage stressors. It can also help protect you from various adverse mental health symptoms. Health care professionals are noticing stress and anxiety developing […]
Medicare is health care coverage for those age 65 and older. It’s important to understand Medicare enrollment and coverage options to avoid penalties down the road. Whether you’re reaching the age of 65 or you’re older and switching from your workplace insurance to Medicare, it’s important to know how to navigate enrollment. Understanding Medicare Medicare […]
As harsh cold warms to above-freezing temperatures, the accumulating water from melting snow and ice—also known as snowmelt—can lead to significant property damage. Review the following guidance for snowmelt prevention at your home. For more home guidance, contact us today. By Zywave, Inc.
The majority of Americans experience stress frequently. A 2022 survey found 84% of Americans experienced stress weekly, up from 78% in the previous year. In the short-term, stress can make you feel frustrated, nervous or angry. But the consequences of prolonged stress may be more severe. Research has shown that long-term stress can lead to […]
During winter, you may experience seasonal affective disorder (SAD). To combat this condition, consider the following remedies: For more health and wellness solutions, contact us today. By Zywave, Inc.
According to the National Energy Assistance Directors Association, energy costs will reach a decade-long high this winter. Heating costs are predicted to rise 28% for U.S. households relying on natural gas and 27% for those using heating oil. Electricity costs are also anticipated to increase 10% per the U.S. Energy Department. Read on for tips […]
The winter months are notorious for bringing sickness. Flu season begins in October and ramps up into December. Colds are also more common during the winter months. Read on for tips on keeping yourself and your family healthy this winter. Why Are Sicknesses More Common in Winter? Viruses transmit more effectively in cold and dry […]
If your teen is approaching driving age, it may be time to start thinking about adding them to your auto insurance policy. Although this will likely increase your insurance premiums, it is typically cheaper than having your teen purchase an auto policy in their own name. Here are six tips to consider when adding a […]
Influenza (flu) season lasts from October through May in the United States, with peak flu activity happening between December and March. The country’s flu activity has been unusual since the COVID-19 pandemic began, which could pose consequences for the upcoming season. Furthermore, flu season in the Southern Hemisphere may indicate what’s to come in the […]
A catalytic converter is a device found in vehicles’ exhaust systems that converts environmentally hazardous exhaust into less harmful gasses. Though catalytic converters have been installed in every new vehicle since 1975, theft of these devices has skyrocketed in recent years due to the highly valuable precious metals they contain. This article discusses why catalytic […]
Disability income insurance helps you to ease the financial difficulty associated with a serious illness or injury that keeps you from working. The Basics of Disability Income Insurance Your most valuable asset is your ability to earn an income. Disability income insurance is designed to complement health insurance. It provides financial peace of mind for […]
As fall brings colder temperatures, the warm interior of your home can provide shelter, breeding spaces and access to nourishment for household pests. Any pest invasion—whether it’s flies, rodents, squirrels, wasps, ants or various bugs—can cause property damage and pose serious health and safety hazards for any homeowner. Use these tips to keep pests out […]