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When Do You Need Rental Car Insurance?

You may already be covered if…  Your current Auto Policy has comprehensive and/or collision coverage Because coverage varies from insurer to insurer, ask your insurance agent to see what extends to a rental vehicle The credit card you use to pay for the rental provides coverage Be sure to call Customer Service and ask whether they cover ‘loss of use’ or other fees, so you can assess your exposure One [ More… ]

Understanding Personal Umbrella Policy

By Christopher Ryan Webb What is an umbrella policy? Do you need an umbrella policy? These are reasonable questions for everyone to ask. This article will go over the basics of an such a policy and what it can provide. An umbrella policy covers above the limits of liability you have on all your personal policies. It gives extra coverage to others for liability; it does not give any extra [ More… ]

Your Hurricane Preparedness Checklist

By Dustin Bartholomay Nobody wants to be caught in a hurricane, but if you live in an area of the country where hurricanes are common then you should have a checklist of items available during hurricane season just in case the unexpected happens. You should have enough supplies to last at least seven days for all members of your household. 1.     Water. We all need water to survive. Plan to [ More… ]

Time Management – Find Your “Effective Time”

By Michelle Seyfarth, Ph.D. Time management seems to be something just about everyone is talking about. I’ve written about various aspects of time management recently. Today, I’ll share one of my favorite tips on time management; that is to know what time of the day is your most effective time. Anyone who knows me, knows my effective time is generally between 11pm and 3am. According to my parents even as [ More… ]