You hear it all the time, especially from younger drivers. I want some “cheap car insurance.” They’ve saved their money and put it all into a used car and they look at car insurance as a necessary evil. The car is fun. The car is freedom. But it isn’t worth much and the insurance is […]
August 5, 2015
Bikes are a blast. Riding is fun, fast, and healthy. Thing is, you are not protected like you are in a car so safety is a big concern on a bike. We consulted the National Highway Traffic Safety Administration for some tips on bike safety. Keep in mind that on the roadway bikes are legally […]
July 21, 2015
We were speaking with a friend the other day who is tired of the constant repairs he’s having to make to his 2006 vehicle. It’s one thing, then the other…steering mechanism and fluid replaced, struts, breaks, tires that can’t hold air…on and on. Then looking at the ads in the Utica Observer Dispatch, he noticed […]
July 14, 2015
As we’ve talked about in our last two posts, Cyber Security is a major concern not just for large corporations but for any business that operates with computers on the internet. Breaches of information cause lawsuits when hackers steal names, dates of birth, and social security numbers. And there are costs to report the breach […]
July 7, 2015
Do you need cyber liability insurance? As you can tell from our last post on your risk of a cyber attack, the insurance industry is starting to see real life claims for cyber security breaches and lost data. So who needs cyber liability coverage? If you are a business that collects or handles confidential information, […]
June 30, 2015
At the Home Depot about 56 million credit card records were hacked. The New York Times reported that a data breach at JP Morgan Chase affected 76 million households and 7 million small businesses. The most famous was the Target breach, where around 70 million shoppers had their data compromised (the CEO ended up getting […]
June 23, 2015
If after an accident, your car is damaged beyond repair, or the cost of repairs is more than the car is worth, your insurance company will consider it a total loss. Assuming you have Physical Damage Coverage on your car (also called Collision) your company will then, in effect, buy the car from you. Your […]
June 16, 2015
When you drive the Adirondacks you’re constantly wary of the deer. They’re everywhere and they can dart out in front of you at any moment, especially at dusk. A while ago, we got a great driving tip from a salesman who worked the Adirondacks. He said watch for any horizontal line against the vertical trees. […]
June 9, 2015
For most people living here in the Utica-Rome area we like to think of life insurance as an income replacement vehicle. Yes, some people will have estate taxes to pay and others have responsibilities to their businesses. But for many hard working Central New Yorkers, especially those whose families depend on their income, a sudden […]
June 2, 2015
Is this the year that you are planning that big, once in a lifetime special event? Maybe you’re a proud parent planning a baptism with family from both sides and all of your friends invited. Or a huge pig roast for the whole neighborhood plus everyone from all points east/west/north/south. You might even be planning […]
May 26, 2015
