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Category Archives: General Risk
How often do you look at the specifics of your insurance coverage as it pertains to your overall financial health? When’s the last time your financial advisor spoke to you about your insurance needs?
This is especially important for successful individuals and families, as many may have inadequate existing coverage or lack coverage entirely. If a catastrophic event were to occur involving your home, you could be paying out of pocket if the expenses exceed policy limits.
Spring is in the air and the planting season is underway. Gardens are being planted across the country, yet there is an underlying threat that is not top of mind with many – the threat of a mulch fire.
Mulch is widely used in landscapes for both aesthetic and functional purposes, and is applied frequently in spring to help slow the loss of soil moisture during the hot summer months, discourage weed growth, reduce soil erosion and dust, and maintain a neat and tidy appearance. Mulch can be made from a variety of materials including ground rubber, pine needles, oat straw, shredded bark nuggets, composted leaves, ground recycled pallets, etc. However, despite its benefits, mulch can pose a fire hazard. Continue reading
When was the last time you took a look at your insurance policies?
If you’re like the majority of folks, probably not very recently. Unfortunately, this could mean that your finances are not as protected as you may believe. Consider the fact that, over time, your wealth slowly builds, and properties and non-financial assets are accrued. As a result, your insurance coverage may need changed, and what worked last year might not work this year.
Our world continues to interconnect digitally. We regularly communicate, work, shop, research and store information in cyberspace. As cyber criminals and bad actors are becoming more refined in navigating through cyberspace, it is important to actively keep your information secure online.
Personally identifiable information is any information that can be used to identify a specific person. This information ranges from medical, legal, educational and financial records. Identifiable information can be stolen during a cyber breach, which can lead to identity theft.
If you believe you are a victim of identity theft, here are five steps you can take to protect your personal information: Continue reading
It’s not uncommon for assets such as homes, boats or other properties to be placed into trusts and limited liability corporations (LLCs). However, these vehicles can present unexpected risks if inadequately or improperly insured – or inadvertently, not insured at all. Continue reading
In the past, many American travelers divided the world into two categories: “safe” and “unsafe” zones. Today, however, this line is becoming less defined as more Americans are traveling to areas around the world that were previously perceived as risky, … Continue reading
From sophisticated garden parties to casual backyard barbeques to huge Fourth of July bashes, summer is the perfect time for outdoor entertaining. With some extra planning before and during events, property damage and personal liability can be avoided.
Large parties will often involve vendors for catering, valet and security. While these services can help a party move smoothly, it is important to know who you are letting on your property. Check with the Better Business Bureau to make sure you hire a reputable company. When hiring, be sure to ask if the company does background checks on their employees.
Once your summer vacation is planned, itinerary set and bags packed, the fun has only just begun. But, in addition to taking the proper precautionary measures prior to take-off to reduce your travel exposure, there are a number of potential risks to keep in mind once you have arrived at your destination.
Whether traveling within the U.S. or flying overseas, consider the following best practices to help ensure your vacation is as stress-free and safe as possible:
A growing privacy and cybersecurity risk is that cyber criminals are actively seeking Personally Identifiable Information (PII) and payment card data. This is accomplished by either stealing PII from personal and home devices, or hacking into data stored by large organizations.
Using a computer and visiting a website are not the only way to potentially expose your information to criminals. Emerging threats, such as voice over internet (VoIP) and wireless devices and applications, have added a host of new avenues for security breaches. For example, if your phone is connected via the internet, it may not be protected by firewalls that are configured for VoIP security. Think about this when it comes to privacy: How often are you disclosing personal or financial information over the phone, such as when ordering an item, making a payment on a credit card, or accessing any organization using an account number? You can quickly see that all of these conveniences are leaving you vulnerable.
Technology has become an integral part of everyday life. However, with nearly 400,000 identity theft complaints reported to the government in 2016, it’s no secret that the benefits of technological advancements are accompanied by numerous, unforeseen threats that leave personal, financial and intellectual information vulnerable to theft. Continue reading