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Informative articles on insurance, safety and risk for you, your family or your business. Each article includes a link for you to share with anyone who may benefit.
After watching gas prices skyrocket, savvy buyers in Pennsylvania are thinking twice about big purchases like vacations, automobiles, and homes. While speculation seems to be vacillating between optimistic and decidedly less than, consumers are left with questions and not many answers. Does it make more sense to drain your savings to pay for a new vehicle or to finance with any number of loan options?
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There's no getting around the fact that many jobs require desk time, and for many people, that means eight-plus hours a day just sitting. In an ideal world, a life complete with regular yoga practice, chiropractic adjustments, strength training, constitutionals, ideal nutrition, and relaxing massages might be the obvious solution. But few can support such luxuries. Still, adjustments must be made to the sedentary necessities of the grind if it's to continue, well, grinding. Here are a few simple solutions to the desk debacle:
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Considering the barrage of daily concerns, your homeowner's insurance policy may be the last thing on your mind. And yet, examining and reevaluating home insurance policies on an annual basis is a critical facet of homeownership, ensuring adequate coverage and protection for the most valuable asset and source of equity for many people in Pennsylvania and beyond. Premiums, like much else in the current economic climate, are forecasted to see some big increases in the coming year, with some expected to exceed $1,000 a year and many slated for rate hikes in the double digits.
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Remote work options, both fully and hybridized off-and-on site iterations have overtaken traditional office models, studies have shown that it can have adverse effects on some employees' mental health. The American Psychiatric Association (APA) conducted a comprehensive online survey in the spring of 2021 of 1,000 remote workers' self-reported mental health, and the majority reported negative impacts on their mental health. In fact, Since transitioning to a remote model; isolation and loneliness, in particular, were noted by nearly two-thirds of respondents.
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Amidst all the excitement (and worries, reservations, and, yes, sometimes tears) of an emptying nest, parents often fail to consider their kids' health insurance in the ensuing chaos. While most colleges and universities mandate student health insurance, those young adults choosing a different path may fall through the coverage cracks. And, navigating health insurance options and necessities can be overwhelming for even the savviest of parents.
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The appeal of freelance, contract work, and work-from-home careers is broad and deep, including the unlimited opportunity for financial growth, unfettered freedom, flexible schedules, the pursuit of personal goals, and the list goes on. And, while that's all as true as the day is long, so is the lack of structure and unmitigated personal accountability. For freelancers, time management is of the utmost importance. Without a strong commitment to making and keeping deadlines, responsibly managing workflow, and sticking to some sort of structured daily schedule, freelancing can spell personal and financial disaster.
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Distracted driving is defined as engaging in any activity that takes your attention away from driving: It can be considered manual, when you move your hands from the wheel; visual, when you focus your eyes away from the road; cognitive, when your mind wanders to other tasks; or any combination of the three. Cambridge Mobile Telematics (CMT), the world's largest telematics provider, just released its 2022 U.S. Distracted Driving Report, and the results are staggering, with distracted driving levels at their highest point since the pandemic's onset. "Over the past two years, distracted driving has been like a pandemic within a pandemic, increasing at alarming rates and changing drivers' behaviors as the pandemic wears on. As more drivers hit the nation's roads, this intensified distraction will put even more people at risk," says Ryan McMahon, vice president of strategy at CMT.
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"If you're not getting better, you're getting worse." It's hard to say who was first to utter that phrase but you hear it most used in sports banter. It is a round-about way to say that we're not living in a static world – everything changes and the same is true for factors affecting the costs to replace your home. Your policy might have been up to the task of covering the expense of rebuilding your home at one time. But, chances are, it may no longer afford enough coverage unless it has been changed to reflect the reality of replacement cost. Insurance industry experts and others routinely estimate that up to two-thirds of homes in the U.S. are under insured. For most of us, checking our home's replacement cost periodically is a good idea.
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