Teen Driver by Vladimir Srajber As parents, the safety of our teenage drivers is paramount. With road accidents constituting a significant risk for young drivers, leveraging technology to enhance their safety isn't just smart; it's essential. Telematics for vehicles is a game-changing technology that is making driving safer for teens everywhere. What Are Telematics? Telematics systems combine GPS technology, onboard diagnostics, and real-time monitoring to gather detailed information about a vehicle's operation and the driving behavior of its operator. This technology can track a variety of da ..read more

Worker Using an Angle Grinder by Anamul Rezwan Business owners have multiple types of insurance to protect them from a variety of financial and legal risks. They should also protect their employees with workers’ comp insurance. Here’s what you need to know about this type of insurance coverage. What Is Workers’ Comp? “Workers’ comp” is short for “workers’ compensation” and can help pay for medical care and other expenses if one of your employees becomes sick or is hurt on the job from hazards like exposure to chemicals or a fall. It can also cover injuries from repetitive use that develop over ..read more

Living Room by Home Decor Interiors In the aftermath of an unexpected event, such as a fire, theft, or natural disaster, having a comprehensive home inventory can be a lifeline. This detailed list of your possessions not only aids in the homeowner insurance claim process, but also helps in the recovery and replacement of lost items. Understanding the importance of a home inventory and knowing the most effective ways to create one are crucial steps in safeguarding your assets. Why a Home Inventory is Crucial A home inventory is invaluable in providing evidence of ownership and the condition of ..read more

Painting Materials Beside a Ladder by Blue Bird If you’re planning a home improvement project, you probably have many contractors available to choose from. How do you pick the right one that will get the job done safely and without liability issues? Follow these tips. Get Word-of-Mouth Recommendations One of the best ways you can find a contractor is to ask friends and neighbors who have done remodels or additions you like. Ask about things like: Was the contractor punctual and reliable? Did the project come in on or under budget? Would they hire the contractor again? Read Online Reviews Onl ..read more

Remote Worker Using a Laptop by Christina Morillo Remote work is rapidly becoming a business model for the future. If your company has never hired remote workers before, here are some expert tips to help set you up for success and protect your business too. Determine Employment Status First, you should decide whether or not you want to hire an employee or an independent contractor (aka freelancer). Depending on the hours involved and the job description, some state laws where the worker is located determine this status for you. If you try to claim a full-time employee is a contractor, it could ..read more

Modern Kitchen by Mark When you tackle home improvement projects, it’s wise to prioritize those that add the most to your property’s value, especially if you might put your home on the market in the next few years. Here are the renovations that give you the biggest return on your investment. Kitchen Remodels If you’re like most folks, you probably spend a fair amount of time in your kitchen, even when you have guests. For this reason, making over your kitchen will usually let you recoup your investment in equity or a higher sale price. Common remodeling elements include: Replacing appliances ..read more

Teenage Driver by why kei If you have a young driver in your home, you may be fearful about them driving on their own, especially in bad weather or road construction. Here are some tips to share with them to improve safety by adapting their driving to current conditions. Rain, Snow and Ice It’s not always possible to stay put in inclement weather, although that should be your teen’s first choice in a storm or freezing weather. If your child must venture out, here’s what they should know: Understand that posted speed limits are for ideal conditions; driving well below the speed limit is almost ..read more

Business Professional Using a Laptop by Andrea Piacquadio Reputation management and its cousin, brand reputation management, are essential these days if your business has an online presence. Here are a few ways you can help protect your company’s reputation both on a regular basis and in the event a negative incident occurs. Evaluate Your Website - Does It Reflect Your Mission? Your online presence starts with your business website. Does the language used reflect the tone you want to convey to customers and potential customers? Are your images in line with your desired perception in the commun ..read more

Motorboat by Rafa De Your boat is an investment that gives you tons of fun all summer long. But come the cold weather months, you want to make sure it’s properly winterized before you store it, so it’s protected from weather and other hazards. Here’s a quick list of steps you should take before storing. Decide Whether or Not to Remove It From the Water Your first winterizing step is to decide if you will be taking the boat out of the water or not, assuming you don’t normally keep your boat on a trailer during the summer season. Removing the boat has multiple advantages: Prevents ice formation ..read more

Woman using a smartphone and laptop by Andrea Piacquadio Homeowners today have never had more ways to save money through technology. Here are five smart home devices that will help you cut down on your bills and improve your home’s safety. Better safety can mean fewer insurance claims and less hassle for you. Smart Programmable Thermostat A programmable thermostat means you don’t have to manually turn your heat or air conditioning on and off. Instead, you set up a schedule on the thermostat, and everything happens automatically. This lets you set your heat to come on right before you get up in ..read more