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Small Businesses & Benefits: What You Need to Know

Posted by on 6:36 am in Employee Benefits | Comments Off on Small Businesses & Benefits: What You Need to Know

If you run a business with employees, employee benefits are a matter of major concern. Small, medium, or large company – if you have employees, you need to be well acquainted with your benefits options. We know that great workers are drawn to firms that offer attractive employee benefits. So what are the right benefits that will be most appealing to the kinds of workers you are trying to attract? And for that matter, what are the most relevant benefits you can offer based on your current employees? The following are key employee benefits...

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Can You Buy Life Insurance With a Pre-Existing Condition?

Posted by on 3:54 am in Life & Health | Comments Off on Can You Buy Life Insurance With a Pre-Existing Condition?

Having a pre-existing health condition such as heart disease, hypertension, diabetes, cancer, kidney or liver disease does not necessarily mean that you’ll be denied life insurance. However, it can create challenges including delaying the application process. You can reduce the delays as well as ensure the best price possible if you have candid conversations with your life insurance agent and if you make sure you are working with an independent insurance agency. These additional seven suggestions will help you streamline the process,...

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One Insurance Mis-Step Can Risk Your Business

Posted by on 7:18 am in Down to Business | Comments Off on One Insurance Mis-Step Can Risk Your Business

In 2008 Leo Welder started ChooseWhat.com. Within a year he was being sued by J2 Global for using the term “e-fax”. It was totally out of the blue and unexpected. Sadly, he found his insurance didn’t protect him from this claim. Yes, he purchased insurance but was missing coverage for intellectual property litigation. Both companies eventually settled but only after Mr. Welder had invested hundreds of thousands of dollars in legal fees. (How many startups have that amount of capital freely available?) After the lawsuit, Mr. Welder decided to...

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Who Pays For the Wedding?

Posted by on 7:39 pm in Financial Planning | Comments Off on Who Pays For the Wedding?

Nearly all weddings can be quite expensive, the average wedding cost hovering around $28,000. Luxury weddings can easily cost $100,000 or more. (Your location has a huge influence on cost.) * Rural weddings can cost an average $18,000… * East Coast cities see an average cost of around $85,000… These high costs have led to a dramatic increase in financing weddings. Tradition has long held that the bride’s parents will cover the bulk of the costs but this is a heavy responsibility to bear that is calling more and more for cost-sharing. Here’s a...

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Steps to Take if You Think You’re Handling Asbestos

Posted by on 2:15 am in Financial Planning | Comments Off on Steps to Take if You Think You’re Handling Asbestos

Asbestos is a mineral fiber compound that naturally appears in rock or soil. It may also be found in building and construction materials or while doing maintenance or repair work. In fact, many roof and installation materials, plaster, caulk, and pipe-insulation materials can contain asbestos. This is because it had been an effective insulating material. Being exposed to asbestos is dangerous as it can lead to lung problems including a variety of cancers. Asbestos exposure has been linked to lung cancer, mesothelioma cancer, and asbestosis....

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Owning International Stocks

Posted by on 2:36 pm in Financial Planning | Comments Off on Owning International Stocks

Many investors are thrilled to see how well US based equities have performed in the last few years. However, international stocks have been making strong upward movements of their own. With increases as high as 14% within the first five months if this year, investors are asking if they should consider these stocks. Looking back, international stocks performed quite well preceding 2007. That changed after 2007. Since then, international stock performance has been hit & miss. As of 2016, it appears this trend may have shifted. Generally,...

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Workplace Injuries Rise When Companies Under Financial Pressure

Posted by on 1:33 pm in Workplace Safety | Comments Off on Workplace Injuries Rise When Companies Under Financial Pressure

* At a steel mill located in Seguin, Texas, a worker suffered burns to an area greater than 60% of his body after molten steel splashed onto him. He tragically died in a hospital three days after the accident. * A 21-years old plastics worker was hospitalized for severe burns to his hand. He eventually had four fingers removed after he had an injury on his first day of work at a manufacturing facility in Elyria, Ohio. * 400 employees at a factory in La Porte, Texas were killed after a toxic chemical was released due to a broken network of...

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Defend Against Dementia With These Lifestyle Changes

Posted by on 8:18 pm in Seniors | Comments Off on Defend Against Dementia With These Lifestyle Changes

A newly released study shows a marked increase in deaths from Alzheimer’s disease. The number has jumped from 16.5 deaths per 100,000 Americans to 25.4 deaths per 100,000 between the years 1999 and 2014! Today, 5.2 million Americans have this disease and almost 94,000 died from Alzheimer’s in 214. As the senior population increases every year, that number is expected to grow. That’s why it’s important now more than ever before to do what you can to limit your risk of Alzheimer’s. These are five changes you can make to your lifestyle that may...

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Offering Life Insurance As a Benefit is Becoming Popular

Posted by on 8:12 pm in Employee Benefits | Comments Off on Offering Life Insurance As a Benefit is Becoming Popular

Employers are finding it increasingly advantageous to offer a life insurance benefit to their employees. It has immense value for both the employer and the employee. On one hand, the employer gets to attract and retain top-notch, high-quality workers. On the other hand, employees are made to feel secure in the knowledge that they are well covered in case of any fatal eventuality. Based on this, life insurance policies as a benefit have grown in popularity. Interestingly, life insurance benefit has not always been this well received. A couple...

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Telling White Lies Can Void Your Car Insurance

Posted by on 5:43 am in Personal Protection | Comments Off on Telling White Lies Can Void Your Car Insurance

Many motorists feel car insurance costs are higher than they want to pay. Rates are indeed on the rise. But some folks have taken to telling “white lies” to mislead insurance companies and get lower car insurance rates. A nationwide survey conducted by a leading online financial firm showed that almost 85% of survey participants had given misleading information to keep the cost of their car insurance as low as possible. This figure is far higher than the estimates previously thought. Drivers have come up with all sorts of creative...

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