Entries by Barbara Howington

How to Motivate Employees In the Workplace?

Motivating Your Employees for Better Outcomes We’ve all been there. At some point in our lives, we’ve experienced a dysfunctional workplace. Like an unproductive office or the place where turnover is always high. By taking a few steps, consistently and over time, you can put in place systems and policies that can help develop a […]

How Do Airbags Work?

We typically never see the airbags in our cars. We just count on them to function right if ever needed. So how do airbags work? There are several steps that must happen in very quick succession for airbags to work. A Little History First patented in 1953, the airbag has evolved and improved over the […]

How Climate Change Could Affect Your Home Insurance?

Climate Change Is Altering the Way We Buy Homeowners Insurance Rising temperatures. Growing numbers of hurricanes every year. Flooding. Droughts. These kinds of events seem to be happening more frequently. Insurance companies are taking note and the industry is changing as a result. How Does Climate Change Affect Homeowners Insurance? Insurance providers are watching carefully […]

How to Protect Your Business with Additional Insured Status?

Protect Your Business with Additional Insured Status When two business work together, the smaller entity typically must have proof of insurance coverage. If you, as a small business, wants to work with a large company, you will almost always be required to have liability coverage. The larger company is assured that your company, not theirs, […]

How to Choose the Right Homeowners Insurance Deductible?

You just bought a new home and are going to purchase homeowners insurance to protect your investment. How do you know whether or not to go with a high or a low deductible? The right answer is fairly nuanced and depends upon your particular situation. Homeowners Insurance Deductible Options Your homeowners insurance deductible is the […]

What You Should Know About Dietary Supplements?

The National Institutes of Health (NIH) states that over half of all people in the United States take one or more dietary supplements, either daily or occasionally. You may have been hearing that dietary supplements – vitamins, minerals, herbs, enzymes and amino acids – are good for you. Or, bad for you. The reality is, […]

How to Find Business Insurance that Matches Your Company Size?

When you want to buy business insurance for your company, where do you start? It begins with defining your business in terms of its size and location. Is it a home business, small business, medium business or large business? Home-Based Business – 0-1 employees A typical home business has single employee, or none, and modest […]

Do Car Dealerships Offer Temporary Car Insurance?

State laws differ, but in most you can’t drive a car off the dealership lot without proof of car insurance. If you have another vehicle covered by a policy already your provider will usually cover the new car automatically for up to four days from when you make the purchase. If your insurance provider doesn’t […]

Understanding the Different Types of Health Insurance in the U.S.

Health insurance in the U.S. can be confusing, especially during these days of ongoing changes in legislation. Choosing the coverage that’s right for you and your family is important, and the first thing to consider is the types of health insurance that are available in this country. Many people are covered through their employers, but […]

How to Ladder Your Life Insurance

When you buy life insurance, you want to get the best amount of coverage without breaking the bank, right? You might want to consider the laddering strategy. When you ladder life insurance, you can get the coverage you need and pay less for it. How Laddering Life Insurance Works? To ladder life insurance, you buy […]

The Good and the Bad About Association Health Plans

In a recent ruling by Presidential Executive Order, association health plans (AHPs) will now allow groups to offer health insurance coverage. Whether or not AHPs will be a good alternative is up for debate, but the goal is to provide small companies another option for health coverage. Signed on June 19, 2018, the new rule […]

Do You Need Renters Insurance to Rent an Apartment?

If you are renting an apartment, you may be required to purchase a renters insurance policy. Many apartments require that you have a minimum of $100K in liability coverage. But, even if you don’t have to have it, you should still consider purchasing a renters insurance policy. Renters Insurance Types of Coverage A typical renters […]

Does Medicare Advantage Lower Costs for People with Chronic Illness?

When confronting the alphabet soup of Medicare options, many people wonder if they should elect to purchase Medicare Advantage (MA) plans. Research now shows that chronically ill Medicare Advantage beneficiaries experience better quality of care than with typical fee-for-service Medicare (FFS) plans. Medicare Advantage is a popular add-on for many recipients. According to a recent […]

The Top 8 USA Road Trips

Whether you’re planning for a fall vacation or summertime adventure, a road trip could be just what you’re looking for. Americans have a staggering number of sights to see all across the country. Here are some travelers’ favorite USA road trips to consider. Happy trails! 1. Pacific Coast Highway If you’re “California dreaming”, the Pacific […]

How to Choose A Hospital

So, how do you choose a hospital that’s right for you? Depending on where you live, you might have a few hospitals to choose from, have only one in town or, in some rural areas, you have to drive out of town to get to one. If you don’t have a hospital of preference and […]