You just traded in your older car perhaps a 2005 or so, and purchased or leased a new 2017 vehicle with all the latest safety features in it. You call your insurance agent who informs you that to insure this vehicle the insurance premiums will be increasing substantially. You ask why? I have the latest […]

This update was sent to all Florida Insurance Agents, regarding the increase in Assignment of Benefits by policyholders to their contractors. This practice of assigning your benefits and authority to a third party is growing in Florida as the update indicates. However, doing so brings with it some pitfalls that policyholders should be aware of. […]

Is your job define as a dangerous job or a safe one? Who decides whether you have a dangerous job or a safe one? The answers to these questions lies with the Bureau of Labor Statistics (BLS) who collects workplace injury and illness data from the the Occupational Safety and Health Administration (OSHA) and puts […]

  Ever wonder who the ladies voice is, well the other day while reading my Consumer Reports magazine Allen St. John wrote an article titled “The Real Voice Behind Siri” well like most of us IPhone users I was quite interested in learning who I was talking to. The person’s name is Susan Bennett who […]

You saved and built a nest egg of $150,000 and you are working with a financial advisor or have it invested in mutual funds. You could be paying 1% in investment fees, which is typical for an actively managed account or paying higher fees then necessary to be invested in a mutual fund either way if you can cut […]

The goal of every insurance company is to correlate rates for insurance policies as closely as possible with the actual cost of claims. If insurers set rates too high they will lose market share to competitors who have more accurately matched rates to expected costs. If they set rates too low they will lose money. […]

One of my New Year’s resolutions was to better educate my clients and friends on frequently asked questions regarding Insurance, Finanical products and general business issues. One of the questions that just came up recently was the Minimum Wage Laws, during the campaign both candidates spoke of increasing the minimum wage. Currently, the federal minimum […]