asset protection

Roadside breakdowns can be more than a mere inconvenience, emergencies of this nature, if not prepared for and handled correctly, can be dangerous for all involved, including other drivers. Following a few basic steps can ensure that you and your vehicle make it through the breakdown as easily and safely as possible.
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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 Louisiana 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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As prices for gas, consumer products and services rise often insurance costs follow the same trend. Insurance premiums for car insurance can vary based on multiple factors. Here are 8 tips to think about when trying to lower your car insurance premium.
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Multiple studies have demonstrated that crime rates increase in the summer. Why? Well, the answer is complex, but researchers have suggested that some of the reasons include:
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According to the U.S. Fire Administration, clothes dryers contribute to nearly 3,000 fires, 5 deaths and over $35 million in property loss each year. So making sure your dryer vent is clear is a simple but important way to keep your home and family safer. Even in the absence of fire, clogged vents cause your dryer to be less effective resulting in greater use of electricity and more breakdowns. If you find your dryer is taking longer and longer to fully dry a load of laundry, chances are your vent has become blocked with lint.
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Because you can't keep an eye on it all the time, you want your second home or rural property to stay well-maintained and protected. There are many things you can do to keep your land and buildings safe and prevent problems that can arise when a property is unattended.
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For business owners, operating during a pandemic is complicated to say the least. You want to do the right thing by your staff and customers, without losing the business you love. In many cases, there is a lot you can do to make patronizing and working at your business safer for everyone.
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Most people rely on dozens of appliances to support their daily tasks and activities, including small but significant tools like alarm clocks or hairdryers; toasters and stand mixers; and heavy hitters like the dishwasher or washing machine. So, how do you keep your appliances running their best, and getting a good return for your investment by having them work for as many years as possible? Here are a few tips to improve the performance and longevity of appliances.
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Americans love their stuff. And most of us have things in storage somewhere: the garage, attic, basement, or a storage unit off site. But what's the point of having all these things if they never get used, looked at, or if you can't even remember you have something you need when you actually need it? Here are some tips for downsizing, organizing and storing your stuff in a way that makes sense:
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Selling your home this summer? If so, there are some quick cosmetic fixes that can make a big difference, and starting now can help. Should you make major repairs or improvements to your home before trying to sell? Maybe. But regardless of what you choose, there are several things you can do to make your home more attractive to buyers that won't require a ton of time and money just a little of each.
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So you're thinking of buying a pool and imagining those lazy, hot summer days when you'll get to slip into the cool water, sunbathe, play with the kids, and invite friends and neighbors to share in your good fortune. But there's more to owning a pool than just the fun stuff. Make sure that it's truly something you want and are willing to put in the work to maintain. Here are a few things to consider before you "dive in" -no pun intended.
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Insurance policies are made to be customized for a reason. The business executive has more income and assets to protect from liability claims than the recent college graduate. Families have more people to think about than young single people or an empty nester. And it is worth noting that the single person, the recent college graduate, the business executive and the empty nester can all be the same person...at different times. We all have different pursuits, different incomes, different bank balances at different points in time. The insurance policies that make up your insurance program - your blanket of protection - need to be tweaked from time-to-time so that you are getting the right protection and benefiting from all available discounts.
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After your home is damaged by wind, hail, or other natural elements, the storm isn't necessarily over; in fact, it might be just the beginning. Here's what you need to know about the storm-induced insurance process from diagnosing the damage to filing a claim and making repairs so that weathering your home's recovery is as painless as possible.
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Have you heard of supermodels insuring their legs or singers taking out a policy on their priceless vocal chords? That's probably not necessary for most people, but many of us probably do have a few valuables that can and should be insured separately.
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Long Term Care Insurance (LTC) is designed to reimburse you for expenses for everyday living assistance, should something happen to you. Traditional medical insurance and Medicare will not cover extra costs should you need help with activities we take for granted like bathing, eating or simply getting out of bed. LTC insurance options can provide for nursing home costs as well as home health care and assisted living.
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