(4138,1,'2024-06-08 00:12:30','2024-06-08 00:12:30','<!-- wp:paragraph -->\n<p>A little sweat equity can go a long way.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4137,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-7-1024x1024.png\" alt=\"\" class=\"wp-image-4137\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0\">Whole-house renovations can add value to your home, but there are ways to upgrade your investment without going into debt or ransacking your savings. Painting, re-grouting tile, and power washing the outside of your home won’t cost a lot of money, but these do-it-yourself home improvement ideas&nbsp;can&nbsp;add real&nbsp;value&nbsp;to your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_3-0\">With some&nbsp;sweat equity, a DIY attitude, and&nbsp;a few dollars, you can list your home for&nbsp;more money if you’re ready to sell. And if you’re not quite ready to put your home on the market,&nbsp;you can enjoy having a more beautiful place to live.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_5-0\">Here are some low-cost, high-value home improvement projects to consider.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0\">KEY TAKEAWAYS</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Popular home improvement DIYs include painting, updating fixtures, lights, or hardware, and deep-cleaning the exterior.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Experts recommend&nbsp;limiting do-it-yourself home renovations to cosmetic&nbsp;improvements, such as painting, landscaping, and changing&nbsp;out fixtures.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Though small, these updates can have a significant impact on the curb appeal of a home you’re trying to sell. They can also help to contribute to an increase in the value of the home.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>New interior paint and cosmetic updates in the kitchen have some of the highest returns on time or money investments.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_9-0\">13 Home Improvement Ideas You Can Do Yourself</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_10-0\">From interiors to exteriors, bathrooms to kitchens, there are small upgrades that you can do yourself to improve your home and increase its value. The most popular home improvement ideas include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol id=\"mntl-sc-block_12-0\"><!-- wp:list-item -->\n<li>Paint the walls</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Update simple fixtures</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Install ceiling fans</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Uncover and refinish hardwood floors</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Install new bathroom tile</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Update bathroom fixtures</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Paint or replace the kitchen cabinets</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Update knobs and pulls</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Install a new front door</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Clean the gutters</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Power-wash walls and decks</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Repaint the exterior</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Tidy up the landscaping</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_14-0\">Simple Interior Updates</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_15-0\">1. Freshen Up the Walls</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_16-0\">If your walls have scratches and dirty paint, an outdated color, or fading wallpaper, then a little elbow grease and a&nbsp;few cans of paint&nbsp;can make a dramatic difference. Fresh paint both inside and outside of a house can signal that the home is well-maintained and increase curb appeal for potential buyers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_18-0\">2. Update Fixtures</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_19-0\">Switch plates, outlet covers, curtain rods, light fixtures, and doorknobs are often boring or overlooked, but you can add significant pizzazz for just a few dollars. Attractive metal switch plates and outlet covers can cost as little as $5 apiece but look much more expensive. Light fixtures and decorative curtain rods can be a little pricier, but sometimes you can make an inexpensive one look elegant with a&nbsp;can of spray paint. If you plan to sell,&nbsp;be sure to choose items in colors and finishes that will appeal to a broad audience.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_21-0\">Tayler Moots, a Compass real estate salesperson, says that “changing the hardware can make [a] room feel fresh and welcoming” and can add curb appeal.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_23-0\">3. Install Ceiling Fans</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_24-0\">Everyone likes to save money on electricity bills, which makes ceiling fans an appealing addition to any home. Ceiling fans cut down on air conditioning costs and&nbsp;can reduce heating costs by circulating warm air away from the ceiling. A primary fan costs about $100, and you can get a nice one&nbsp;for no more than a couple of hundred dollars.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_26-0\">If you don’t already have wiring for overhead fans, you may need to hire a professional, which&nbsp;can significantly escalate the cost of this project. Adding ceiling fans around your house may increase energy efficiency, which bodes well for boosting home resale value later.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Fast Fact: A national report from Freddie Mac found that more energy-efficient homes are sold for over 3% to 5% more than less efficient homes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_30-0\">4. Reveal and Restore Hardwood Floors</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_31-0\">Older homes, in particular, are likely to have hardwood floors lurking beneath carpet. Squeaky&nbsp;floors are a sign that you may have wood floors. If you’re not sure, pull up your carpet in an unnoticeable corner and check.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_33-0\">If you do have wood floors, there’s a good chance you’ll have to refinish them to restore them to their original splendor, but it&nbsp;will be much less expensive than installing new flooring from scratch. The National Association of Realtors estimates that buyers will pay a premium, on average, of $5,000 to $6,500 for a home with hardwood floors.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Important: Some homeowners take out a&nbsp;home equity line of credit (HELOC)&nbsp;to pay for renovations, but it’s possible to spruce up a home without taking on debt.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_37-0\">Basic Bathroom Upgrades</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_38-0\">On average, homeowners will see about a 70%&nbsp;return on investment (ROI)&nbsp;for a bathroom renovation, making it one of the prime parts of a home to improve in order to add value.&nbsp;However, it’s possible to boost the value of your home with some bathroom upgrades that are less demanding as well.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_40-0\">Plus, leaving a bathroom with old, outdated floors, backsplashes, fixtures, and other details can actually be a deterrent for some buyers or can reduce the amount people are willing to pay for the house overall.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_42-0\">1. Redo the Bathroom Floor</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_43-0\">DIY installation&nbsp;can save you a lot of cash.&nbsp;If you don’t know how to install flooring, look for a class at your&nbsp;local home improvement store.&nbsp;Saving money on labor will allow you to choose&nbsp;more beautiful flooring than you could otherwise afford. Opt&nbsp;for a neutral-colored tile to add the most value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_45-0\">2. Update Fixtures</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_46-0\">Replacing generic, cheap, or outdated fixtures with newer, more customized versions can make your bathroom sparkle and look more high-end. For about $40 to&nbsp;$100, you can substitute a shabby bathroom vanity or ceiling light fixture with something elegant.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_48-0\">A similar cash outlay will get you a new sink faucet. A spa-style chrome shower head adds a touch of luxury for about $80. Towel bars are a cheap and easy fix at about $20 to $30. Sometimes,&nbsp;an upgrade can be more energy efficient, increasing not only the aesthetics of your home but “greening” it up as well.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_50-0\">Quick Fixes in the Kitchen</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_51-0\">Kitchen renovations typically offer high ROI for home sellers. Moot says that “the highest value is added in kitchens” and adds that even “small changes” and “minor kitchen updates can have a return of up to 85.7%.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_53-0\">1. Paint or Stain Kitchen Cabinets</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_54-0\">You could buy all-new cabinets and save money by purchasing prefabricated (rather than custom) cabinets and installing them yourself, but that’s more work and money than painting or staining your existing cabinets. White cabinets will brighten a kitchen, don’t usually go out of style, and are easy for a future owner to repaint if they want something different.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_56-0\">You’ll need to remove all the hardware from your cabinets, including the doors. You’ll also need to clean the cabinets first, so dirt and greasy residues won’t ruin your work. Consider sprucing up your&nbsp;bathroom cabinets as well. Replacing your kitchen cabinets can have an ROI of 80% or more, making this one of the best—and most affordable—kitchen updates.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_58-0\">2. Upgrade Cabinet Knobs and Drawer Handles</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_59-0\">It’s surprising how a seemingly innocuous element such as a cabinet doorknob can make your kitchen look cheap or dated. Updating this hardware can give your kitchen a face-lift, whether you redo your cabinets or not.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_61-0\">Save When You Refresh the Exterior</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_62-0\">It may be easy for you to ignore your home’s exterior when you spend most of your time inside, but it’s the first—and sometimes only—impression that others get of your house. Here are a few simple ways to make it look its best.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_64-0\">1. Install a New Front Door</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_65-0\">Moots says that “a beautiful front door can also be a game changer” when it comes to curb appeal. A fundamental steel front door costs about $100, but for another $100 to&nbsp;$200, you can get a door with a lot more character and garner more interest from potential buyers. If you can’t afford a new door, a fresh coat of paint in an attractive color may be all you need. A new front door can have an ROI of almost 75%.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_67-0\">2. Clean the Gutters</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_68-0\">This task relates more to maintaining your home’s value than increasing it, but it’s essential. Without properly functioning gutters, which are designed to carry water away from your home, rain may seep inside or pool around the foundation, causing problems such as mold and mildew.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_70-0\">Eventually, water damage can compromise the house’s structural integrity, leading to costly repair bills. Gutter repair, on the other hand, only costs an average of up to $630.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_72-0\">3. Power Wash the Exterior of Your Home</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_73-0\">For less time and money, a good pressure washing can make your home’s exterior look almost as good as a fresh coat of paint. Power washing the exterior of your home may increase its value by up to $15,000.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_75-0\">4. Repaint the Exterior</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_76-0\">If washing the exterior of your home didn’t brighten it up as much as you had hoped, consider a new paint job. With the ladders and heights involved, this may not be a DIY task for everyone, but even if you have to hire others to do this job, it’s still pretty inexpensive as far as home improvements go and can make your house look almost new from the outside.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Important: Ninety-two percent of Realtors recommend improving home curb appeal before listing a home for sale.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_80-0\">6. Upgrade Landscaping or Clean Up Existing Landscaping</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_81-0\">Flowers and other plants are a great way to brighten your home’s exterior. Use greenery in front of your house and along walkways to draw attention to your home. To get the most for your dollars, choose perennial plants, which come back year after year, rather than annuals, which—as their name suggests—last a year or less.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_83-0\">Patch any bald spots in the yard with fresh sod (or plant grass seed if you have time), and trim existing trees and bushes to complete the yard’s new look. Landscaping may be among the larger projects on our list, but it also comes with a sizable potential ROI of 100%.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What Are the Best DIY Projects to Add Value to Your Home?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Some of the best DIY projects to boost home value are small, inexpensive fixes with high ROI. For example, painting your kitchen cabinets typically costs $50 to $100 per gallon, plus the value of your time and labor.&nbsp;However, a clean, updated kitchen could improve your home sale price by thousands of dollars. Look for repairs and improvements that are relatively simple and low-cost, such as painting, updating fixtures and outlet covers, and making small landscaping upgrades.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How Can I Increase the Value of My Home?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>One of the best ways to increase the value of your home is to stay on top of home repairs. Attending to basic home maintenance will ensure that small issues don’t become big problems. It will also provide you with opportunities for simple upgrades that will update the look of your home, such as replacing dated fixtures with more modern ones.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How Can I Pay for Home Improvement Projects?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Ideally, you would&nbsp;pay for home improvement projects&nbsp;out of your savings. However, sometimes you may need to make upgrades before you have the funding. Consider 0% introductory annual percentage rate (APR) credit cards, personal loans,&nbsp;home remodeling loans, or HELOCs. Just keep in mind that low- or no-interest offers typically come with a time limit; e.g., six months or two years. Read the fine print on loan agreements and budget for upcoming payments.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_93-0\">The Bottom Line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_94-0\">Upgrading your home doesn’t have to be expensive or complicated, and it doesn’t have to involve contractors. A variety of projects for all price ranges and levels of skill and enthusiasm can improve&nbsp;your home’s value, whether for future buyers or, perhaps more important, for you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_96-0\">Putting a few of these home improvement ideas into action will help you get the most value out of one of your most significant assets,&nbsp;whether you’re planning to stay or selling. And before a DIY project can even be considered, make sure that any new additions or changes will still fit the house’s overall aesthetic, which the&nbsp;best home design software&nbsp;can help you with.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.investopedia.com/articles/mortgages-real-estate/08/diy-home-projects.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Do-It-Yourself Projects to Boost Home Value','','inherit','closed','closed','','4057-revision-v1','','','2024-06-08 00:12:30','2024-06-08 00:12:30','',4057,'https://smartinsurance.tips/?p=4138',0,'revision','',0),(4139,1,'2024-06-08 00:13:12','2024-06-08 00:13:12','','Untitled-8','','inherit','closed','closed','','untitled-8-4','','','2024-06-08 00:13:12','2024-06-08 00:13:12','',4061,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-8.png',0,'attachment','image/png',0),(4140,1,'2024-06-08 00:13:16','2024-06-08 00:13:16','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4139,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-8-1024x1024.png\" alt=\"\" class=\"wp-image-4139\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0\">As a business owner, you must account for and manage several types of expenses in order to keep your operations running. Categorizing these expenses can help you effectively plan your finances, maintain an organized record of all transactions, and file taxes with ease. Understanding the key business expense categories can also make it easier to identify what is and isn’t tax deductible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-2\">In this article, we will discuss what these&nbsp;small business expenses&nbsp;are, how to categorize them, and how expense tracking can benefit your business.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0\">Key Takeaways</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Key expense categories for small businesses include utilities, insurance, and taxes.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>When categorizing and tracking expenses, business owners should consider setting up a separate bank account and using tracking software or apps.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Tracking business expenses can offer several benefits including better preparing you for tax season and providing strategic opportunities for budget planning and tax deductions.&nbsp;</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-5\">What Are Tax-Deductible Business Expenses?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-6\">Tax-deductible business expenses, or “tax write-offs,” are costs that business owners can deduct from their total revenue to determine their taxable income. In essence, tax-deductible business expenses can reduce the amount of taxes you have to pay for operating and profiting from your business.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-8\">Here are some key examples of tax-deductible expenses:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-10\"><!-- wp:list-item -->\n<li>Business use of home and/or car</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Direct labor</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Taxes</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Office or storage facility rent&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Insurance payments</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Utilities like phone bills, internet service, etc.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-12\">Small Business Expense Categories</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-13\">Categorizing business expenses can make it easier to identify deductible items and file tax returns. Here are the main deductible expenses for small businesses to keep in mind.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-15\">Taxes</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-16\">Business-related tax expenses like state and local sales tax, state and local income tax, personal property tax, and excise tax may be deductible.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-18\">Utilities and Rent&nbsp;</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-19\">Expenses paid for utilities necessary for your business to remain operational can be deductible. These expenses can include your telephone, internet, and electricity bills, and rent paid for your office and additional storage space.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: If you work from home and use a home office setup, you can include the cost of a computer, mobile data plan, office chair, work desk, and similar expenses for tax deductions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-22\">Insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-23\">The ordinary and necessary cost of&nbsp;insurance&nbsp;can be deducted as a business expense if it is specifically for your business or trade. Examples of tax-deductible insurance expenses include insurance premiums, general and professional liability insurance, commercial property insurance, and data breach insurance.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-25\">Vehicle Expenses&nbsp;</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-26\">If you use a car or a similar vehicle for business purposes, cost of ownership and operations can be tax deductible. More specifically, the cost of gas,&nbsp;mileage from business use, parking fees and tolls, and depreciation (though there are certain criteria for the latter) can be considered deductible expenses.&nbsp;&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-28\">Compensation</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-29\">The wages you pay your employees or contractors for direct labor can count as a deductible business expense.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-31\">How To Categorize Small Business Expenses</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-32\">Categorizing business expenses can be helpful, but it may feel challenging and overwhelming if you have never filed&nbsp;business taxes&nbsp;before. Whether you are a new business owner creating efficient systems for expense tracking, or a seasoned entrepreneur looking to change your financial records system, here are some ways to categorize small business expenses.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-34\">Set Up a Separate Expense Account&nbsp;</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-35\">Setting up a&nbsp;separate bank account&nbsp;for handling specific business expenses can make tracking easier. For example, you can pay all your phone, internet, and electricity bills through a separate “Utilities” account.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-37\">Use Online Apps and Software</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">User-friendly (and often free)&nbsp;tracking apps and software&nbsp;can streamline the expense tracking and tax calculating process for small business owners. Instead of having to manually add to and maintain a spreadsheet or sort through a pen-and-paper trail of transactions, business owners can have an automated system to create invoice and expense reports, track expenses and time, and easily look up financial records and data.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: Examples of expense tracking software include SAP Concur, Expensify, Quickbooks, and Mint.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-41\">Why You Should Track Business Expenses</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-42\">Tracking business expenses can help you in the following ways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-44\"><!-- wp:list-item -->\n<li>Expense tracking helps you identify tax-deductible expenses and gets you better prepared for tax season.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>A well-maintained transaction record can come in handy during business audits and inspections.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Regularly tracking business expenses can help you determine how you are doing financially, your business’s potential for profitability, and what needs to change.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Expense tracking helps you categorize and organize all the financial data essential to keep the business running.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Tracking business expenses also helps you budget effectively and find external funding if required.&nbsp;</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Note: Remember to&nbsp;keep records of business expenses&nbsp;and other business paperwork even after you file your taxes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-47\">Frequently Asked Questions (FAQs)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Where do I put insurance when it comes to business expense categories?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Insurance payments can fall under the vehicle expense category if it\'s vehicle insurance, and the salaries and compensation category if you are offering insurance policies to employees.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How do I write off business expenses?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You can write off business expenses when filing your taxes. This can be done by filling in the relevant tax forms (i.e. Form 1040, Schedule C) and submitting the information by following the instructions on the document. The IRS&nbsp;provides a guide&nbsp;on deducting business expenses.&nbsp;&nbsp;&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How do I keep track of business expenses and income?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Traditionally, businesses would keep track of their expenses and income by hiring an accountant or recording their transactions manually. Nowadays, however, there are several free or low-cost software programs and&nbsp;apps&nbsp;to make tracking easier and more convenient.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.thebalancemoney.com/how-to-categorize-and-track-small-business-expenses-5196635\">click here.</a></p>\n<!-- /wp:paragraph -->','How To Categorize and Track Small Business Expenses','','inherit','closed','closed','','4061-revision-v1','','','2024-06-08 00:13:16','2024-06-08 00:13:16','',4061,'https://smartinsurance.tips/?p=4140',0,'revision','',0),(4141,1,'2024-06-08 00:13:48','2024-06-08 00:13:48','','Untitled-9','','inherit','closed','closed','','untitled-9-4','','','2024-06-08 00:13:48','2024-06-08 00:13:48','',4064,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-9.png',0,'attachment','image/png',0),(4142,1,'2024-06-08 00:13:52','2024-06-08 00:13:52','<!-- wp:paragraph -->\n<p>Complete online privacy doesn’t exist, but there’s still plenty you can do to protect your personal data.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4141,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-9-1024x1024.png\" alt=\"\" class=\"wp-image-4141\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Online privacy is the protection of an individual’s personal information and data while using the internet. It involves safeguarding sensitive data from unauthorized access, maintaining control over information shared online, and determining what data is shared with third parties and how they can use it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What Is Online Privacy?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Online privacy describes the protection of personal data when using the internet and online platforms, including websites, mobile apps, commercial software and&nbsp;IoT (Internet of Things) devices. It stands as a notion that only the user, and the parties they give permission to, should be allowed to access their personal information while traversing the web.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>While a prevalent concern in the digital age, online privacy is, in many ways, a fiction. It is nearly impossible to control what of your personal data gets collected, how it is used and who has access to it.&nbsp;Companies&nbsp;and&nbsp;governments&nbsp;around the world are taking steps to improve the situation, but it is still largely up to individuals to try to preserve their privacy online.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Every time we use the internet, we leave a&nbsp;trail of personal data&nbsp;behind — everything from our name and age, to our IP address and credit card number. And once that information is out there, it cannot be contained. It is bought, sold and traded via&nbsp;data brokers. It is&nbsp;scraped&nbsp;from one organization’s website by another. And sometimes it is stolen by criminal enterprises for financial gain.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“The amount of information on people has exploded,” John Gilmore, who heads research at data privacy company&nbsp;DeleteMe, told Built In. And it’s easier than ever for that information to move around. “People have given it to other people, who have given it to other people, who have given it to other people. So what used to be siloed information is now kind of everywhere at once.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Why Is Online Privacy Important?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Maintaining online privacy is important primarily because it strengthens your personal&nbsp;security&nbsp;against online attacks and scams.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">1. Protects Against Cyber Attacks</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>In 2022 alone, more than&nbsp;1,800 data compromises&nbsp;occurred in the United States, bombarding some 422 million people (larger than the U.S. population) with&nbsp;malicious software,&nbsp;phishing scams&nbsp;and other&nbsp;cyber attacks. The problem will only continue to get worse with the expansion of&nbsp;artificial intelligence, which allows criminals to automate their attacks, making their jobs “easier, quicker and more effective,” according to Daniel Markuson, a digital privacy expert at data privacy company&nbsp;NordVPN.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Protecting your online privacy acts as a barrier against these malicious actors by reducing the amount of exploitable data available on the internet, thus making it more challenging for them to carry out their attacks successfully.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Your digital persona is a part of you,” Adrianus Warmenhoven, a security advisory board member at NordVPN, told Built In. “So online privacy really means protecting a part of yourself.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">2. Gives Users Control Over Their Data</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>This need for protection extends beyond just the prevention of cyber attacks. Better online privacy can also help people maintain a sense of autonomy in an age where personal data is being collected indiscriminately by both companies and governments.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The information we share online is used to create profiles that can help retailers produce&nbsp;targeted ads&nbsp;and make&nbsp;product recommendations, employers vet incoming applicants, or law enforcement agencies try to solve crimes. It is also used to train those massive AI models powering&nbsp;text&nbsp;and&nbsp;image&nbsp;generators like&nbsp;ChatGPT&nbsp;and&nbsp;Stable Diffusion.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>After all, data is a valuable commodity — hailed by some as the “new oil” of the digital economy — and some people are wary of this rampant collection and sharing of their personal information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“It’s yours. There shouldn’t even be an argument about anything else. If you don’t want to share it, that should be enough,” Warmenhoven said. “Privacy should be about what I want to share with the world, not what I have to hide from the world.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Common Online Privacy Threats</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The things that erode online privacy come in all shapes and sizes, and their cumulative effect is substantial. Let’s examine some of the most common threats.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">1. Weak, Reused Passwords</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Many people use weak passwords — a birth date, a pet’s name, even the numbers “123456” (reportedly&nbsp;the most common password in the world). But weak passwords are one of the biggest threats to online privacy, particularly if they are reused across multiple sites and devices. It allows cyber criminals to break into multiple accounts at once and commit identity theft, financial fraud or both.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Once it’s copied twice, that will be a red flag to anybody who is snooping. If they see it is used twice, they’ll go, ‘Well, it’s likely to be used a third time. Let’s target that person’,” Gilmore said. “The people who get hit with identity theft are the people who don’t take it seriously. They use the same passwords in multiple places.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">2. Social Media</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Social media has made it easy to share virtually every aspect of our lives with each other, making it a treasure trove of personal information. All of that data is scooped up by the social media companies themselves, so they can sell it to advertisers and get a better understanding of their user base.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Cyber criminals can also scrape this information and use it to commit identity theft or financial fraud. With every post, we create a clearer picture of our life, relationships, habits and possessions, making it easier for criminals to use it against us. For example, they can carry out&nbsp;social engineering&nbsp;attacks like&nbsp;spear phishing, pretexting and&nbsp;deepfakes&nbsp;— all of which involve using people’s personal information to trick them into handing over more of it, like social security numbers and credit card numbers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">3. Mobile Apps</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Virtually all mobile apps have access to users’ personal information, including their location, contacts and photos saved on their mobile device. Sometimes they can even tap into a device’s microphone and listen in.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>According to a&nbsp;2022 report&nbsp;published by cybersecurity company Clario, social networking, dating and transportation apps lead the way in data collection, with Facebook, Tinder, Grindr, Uber and Instagram being the most prolific. Google is the&nbsp;biggest offender&nbsp;though. Through its various apps, the tech giant collects users’ names, phone numbers, payment information, search history and even the emails they write and receive — much of which is shared with advertisers so they can create more personalized ads.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Apple&nbsp;and&nbsp;Google, which collectively control a vast majority of the apps we have on our phones, have beefed up their privacy permissions over the years. But smartphone users still have to be vigilant in monitoring and altering their apps’ permissions to what they are comfortable with.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">4. IoT Devices</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Lots of internet-connected devices — from&nbsp;smart home&nbsp;tech like doorbells and speakers to&nbsp;wearables&nbsp;like fitness trackers and VR headsets — listen to, record and gather data on their users. Even&nbsp;smart cars&nbsp;do it; after conducting&nbsp;several&nbsp;studies, the Mozilla Foundation found that some vehicle companies collect and sell pretty personal information, including immigration status, health history and sexual orientation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Even if you’re comfortable with companies accessing and using that information, it’s important to remember that every device that connects to the internet is vulnerable to hackers. This is especially true of IoT devices, which often&nbsp;lack&nbsp;built-in security controls, Markuson said. “If your IoT devices are compromised, attackers could spy on your home, steal personal data, or even use them as entry points to your home network.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Tips For Protecting Your Online Privacy</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Much of our online privacy is out of our control. But there are several steps you can take to protect your data.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">1. Use Strong, Unique Passwords</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Every single site you use should have a unique password, and they should be changed often. That way, if a password is leaked, it isn’t useful to anyone for very long.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>And while they should be long (at least 20 characters, according to Markuson), your passwords don’t need to be complicated. Warmenhoven suggests taking a line from a favorite book or song and using that. “You can easily remember it, and if you forget it just go back to the book or the song.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You can also use a&nbsp;password manager&nbsp;to keep it all straight.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">2. Delete and Opt-Out</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Today,&nbsp;11 states&nbsp;have comprehensive privacy laws stating residents have the right to access, correct and delete the personal data collected on them, as well as opt-out of any future sale or sharing of that data. So residents of California, Virginia, Connecticut, Colorado, Utah, Iowa, Indiana, Tennessee, Oregon, Montana and Texas can exercise that right.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Even if it isn’t a protected law in your state, most companies will honor deletion and opt-out requests, according to Merry Marwig, a privacy consultant at data privacy company&nbsp;DataGrail. In fact, a&nbsp;2023 DataGrail survey&nbsp;showed a 72 percent increase in total privacy requests from 2021 to 2022, more than half of which came from states that don’t have privacy laws.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“People are starting to realize the downsides of hyper personalization online — how they’re being tracked, how they’re being profiled and how their data about them is being bought, sold and shared with companies they don’t know,” Marwig told Built In. “They want to regain that control.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you don’t want to do all of this manually, there are several tools that can help, including Consumer Reports’ Permission Slip app, which handles users’ privacy rights requests on their behalf. You can also use DeleteMe, which helps remove users’ personal information from&nbsp;open source intelligence sites&nbsp;and other websites.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">3. Stop Handing Over Personal Information</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Don’t overshare on social media, and don’t give every company you do business with your contact information. If you sign up for a rewards program at your local grocery store, for example, don’t give out your personal phone number, use a&nbsp;Google Voice&nbsp;number instead. And don’t include your contact information in your email signatures, because that email will likely be shared and forwarded to inboxes belonging to people you don’t know, Gilmore said, which can then be scraped.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Once you’ve stopped sharing this information, and deleted the information companies already have, any data that’s already been breached or leaked will be useless (or at least less accurate) — making it harder for cyber criminals to attack you and companies to have a profile on you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“All the companies that collect data need recent data to be the most effective,” Hayley Tsukayama, associate director of legislative activism at digital privacy nonprofit&nbsp;Electronic Frontier Foundation, told Built In. “I think there’s always a moment to just shift the balance a little bit.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">4. Use a VPN</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Using a&nbsp;VPN&nbsp;(virtual private network) will encrypt your internet connection, making it harder for third parties to monitor your online activities.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You can also invest in a browser plugin called&nbsp;Global Privacy Control, which automatically prevents websites from tracking you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">5. Advocate for Stronger Legislation</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Advocating for more and stronger privacy legislation could lead to a more top-down approach to proactively addressing the challenges of online privacy. Such regulations could establish clear standards for how data is collected, used and shared, helping to prevent data breaches, identity theft and unauthorized surveillance, while holding companies accountable for responsible&nbsp;data governance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“I really do encourage people to reach out to their lawmakers at the state level,” Tsukayama said. “I think more legislators are more willing to hear it now than they ever have been.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Indeed, although the United States does not have any sweeping privacy legislation at the federal level, a growing number of states are signing in laws of their own. In 2023 alone, eight states passed new comprehensive privacy laws. And by 2026, 13 state privacy laws will have taken into effect.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“In the next three years, 43 percent of all Americans will be covered by state privacy law, which is great,” Marwig said. “And who knows? Between now and then even more states might adopt privacy law. This is a tidal wave of change.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://builtin.com/articles/what-is-online-privacy\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is Online Privacy?','','inherit','closed','closed','','4064-revision-v1','','','2024-06-08 00:13:52','2024-06-08 00:13:52','',4064,'https://smartinsurance.tips/?p=4142',0,'revision','',0),(4143,1,'2024-06-08 00:22:26','2024-06-08 00:22:26','','Untitled-10','','inherit','closed','closed','','untitled-10-4','','','2024-06-08 00:22:26','2024-06-08 00:22:26','',4067,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-10.png',0,'attachment','image/png',0),(4144,1,'2024-06-08 00:22:31','2024-06-08 00:22:31','<!-- wp:paragraph -->\n<p>There are crucial differences between bosses and leaders, so it’s crucial to analyze your leadership style to ensure you’re effectively steering your team in the right direction.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4143,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-10-1024x1024.png\" alt=\"\" class=\"wp-image-4143\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Being promoted to a management role is a huge accomplishment, but many professionals find the responsibility more challenging than they imagined. Being someone’s boss doesn’t necessarily mean you’re a good leader.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Effective leadership is increasingly essential in the workplace, as more and more employees leave otherwise excellent companies over one resolvable element – bad bosses. According to a&nbsp;study by GoodHire, 82% of all surveyed professionals would potentially&nbsp;quit their job&nbsp;because of a&nbsp;bad boss.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>There are crucial differences between bosses and leaders, so it’s crucial to analyze your&nbsp;leadership style&nbsp;to ensure you’re effectively steering your team in the right direction.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Did you know?</strong> Even people who start out with less effective management skills can modify their behavior to&nbsp;become good leaders.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What are the differences between a boss and a leader?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>According to the father of modern management,&nbsp;Peter Drucker, above all else, all business managers must be leaders. But when many professionals step into management or supervisory roles, they wonder, “What are the qualities of a boss versus a leader?”&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>We spoke with leadership experts to discover five crucial differences between the two.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>As you read the following comparisons, reflect on your actions to determine where you fall.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">1. Bosses command; leaders influence.</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>According to Sue Andrews, business and HR consultant at KIS Finance, a key difference is that a boss’s authority comes from their position. In contrast, a leader’s authority comes from their ability to influence others.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“A boss is there to ensure that employees follow the rules of an organization, but a leader will encourage others to think for themselves to achieve the desired ends,” Andrews said. “A boss will need to give orders to instruct others what to do, but a leader can inspire others to find the best way forward, whilst motivating them to maximize their potential.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Although subordinates follow bosses only because they have to, bosses can grow their influence through encouraging behavior, added Ken Gosnell, founder of CEO Experience. “You can grow your influence by caring for your team, listening to their thoughts and ideas, and sharing the ‘why’ behind the decisions and actions that you take. This is the second step in leadership, but it makes all the difference, and people will follow you because they want to, and not just because they have to.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">2. Bosses explain; leaders inspire.</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You shouldn’t just explain a task and leave it in your employee’s hands. According to Christine Macdonald, director of The Hub Events, a boss ensures you understand your work, while a leader supports and guides you through it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“The biggest difference between a leader and a boss is that a good leader inspires people and makes them excited about their work,” she said.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Success takes passion; without the desire to complete tasks, workers won’t be as driven to give their best performances. As their leader, you should motivate them by letting them know the importance of their work.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">3. Bosses discipline; leaders mentor.</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Employees are human, and mistakes are to be expected. Who you are as a boss is evident in how you deal with mishaps. While bosses are more likely to use a reward-and-punishment system to discourage poor behavior, great leaders understand that employees benefit from encouragement and mentorship. If an employee performs well in a specific line of work, that strength should be recognized and mastered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“One key element of leadership is the ability to harness the talents of others to achieve a common goal,” Macdonald said.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It’s essential to note each employee’s strengths and weaknesses and mentor them independently. Rather than attacking skill gaps, work to patch them by guiding employees through their shortcomings and building their confidence in new areas.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Tip:</strong> To&nbsp;become a better mentor, listen, communicate, offer constructive feedback, delegate, and practice empathy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">4. Bosses delegate tasks; leaders delegate authority.</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A boss focuses on their department’s objectives and stringently follows protocol to achieve those goals. They think for the short term, delegate tasks to their subordinates and tend to micromanage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Executive and leadership coach Christina J. Eisinger says a boss has key objectives to meet, while a leader sets the team’s long-term vision and uses it as “a key motivator.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“A boss gets results by telling people what to do and is concerned with doing it right,” she said. “A leader is skilled at results by enabling their team to figure out what to do and is concerned with doing what is right.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Andrews added that leaders seek to drive commitment by setting an example for others to follow and inspire others by encouraging development. “They are comfortable delegating authority and avoid micromanaging, preferring to see others develop. Utilizing their excellent communication and negotiation skills, they will influence others for the overall benefit of the organization.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Did you know?</strong> According to the GoodHire survey, most U.S. workers are most irritated by a manager who is overbearing and micromanages – qualities that can significantly influence their decision to quit their job.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">5. Bosses are above the team; leaders are part of the team.</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A boss doesn’t take the time to get to know their employees as a leader does. Eisinger said that bosses view their team members as subordinates, while leaders let go of this hierarchical distinction and view their team members as equal contributors.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To be a leader, it’s essential to facilitate positive relationships with your employees. Work with their needs and create a culture that encourages open communication.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“By getting to know your team better, you’ll be able to understand how to explain your vision in a way that will really connect with each person,” Macdonald said. “This means you can personalize the way you motivate people.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>She added that good leaders are genuine and loyal, setting an example for their company. “If you lack passion or motivation, odds are your team will too. Don’t be afraid to be human – be real and express your emotions to connect with your workers.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Are leaders born or made?&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The discussion about whether leadership is an innate trait or something that can be learned spans decades. While there’s extensive&nbsp;research&nbsp;about whether leaders are born or made, the general consensus is that there’s truth to both sides. While some natural abilities – like being collaborative, intelligent, charismatic and compassionate – help professionals emerge as managers, training and experience can transform someone into a true leader.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many traits, including stress resistance, the ability to delegate, being responsible and having a respectful management style, can and should be trained and learned.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How to train to be a leader</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>These are some of the many ways to grow proactively as a leader:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Explore management theories.</strong>&nbsp;One way to&nbsp;become a better leader&nbsp;is by consulting management books and exploring&nbsp;management theories. You can evaluate different management styles and select one that suits you and will benefit your team.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Find a coach.</strong>&nbsp;Another way to improve your leadership skills is by enrolling in a coaching program. A good&nbsp;career coach&nbsp;will help you identify problem areas and employ thought-provoking strategies to help you develop personally and professionally.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Find (and become) a mentor.</strong>&nbsp;Unlike a coach, who is usually with you for a short time with a clear agenda in mind, a mentorship relationship is long term. While a mentor can help you, being a mentor can also help improve your leadership skills.&nbsp;</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Tip: </strong>To&nbsp;find a mentor, try exploring your professional network and ask for recommendations. Alternatively, turn to&nbsp;peer mentoring, which relaxes the traditionally rigid lines between a mentor and mentee.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To be a good boss or leader, incorporate a few key strategies into your behavior, including thoughtfulness, communication and setting clear expectations for your employees.&nbsp;&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Be thoughtful.</strong>&nbsp;A good leader conducts their decision-making process based on the team’s and company’s best interests. Gosnell recommends treating your employees with thoughtfulness. “Leaders who lead for impact think first of their followers. They know that if they are doing what is in the best interest of their followers, it will bring great results for the followers and the organization.”</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Communicate and listen.</strong>&nbsp;Leaders should also incorporate good communication by listening to their teams. Gosnell said that a&nbsp;listening leader&nbsp;will hear how to make an organization better through their team’s words. “Listening leaders grow in influence and impact, while those who neglect to listen to their team will struggle with disengaged employees who won’t listen. A leader who wants to be listened to should practice listening to their people.”</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Set clear expectations.</strong>&nbsp;Whether you see yourself as a boss or a leader, Andrews said, the key to your success is your staff seeing you as fair in your approach toward them.&nbsp;Set fair, clear employee expectations&nbsp;and be consistent in your manners so your staff knows what they can expect from you. “This is essential in the workplace, as one of the greatest causes of employee stress is not knowing what to expect from their manager,” Andrews said. “Frequent changes in focus and conflicting priorities will leave staff feeling anxious. However, effective communication and a clear goal will ensure that teams all pull in the same direction.”</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What are a team leader’s responsibilities?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Team leaders are responsible for more than just delegating tasks and monitoring employees. They are responsible for the success of the whole team and the success of each team member. An effective team leader should understand each member’s strengths, weaknesses and goals, and utilize their talents accordingly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Eisinger created a brief checklist for leaders when they’re determining their primary responsibilities:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Ensure the team has what they need to get the job done.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Provide challenging, meaningful work.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Be accessible and approachable.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Hold regular one-on-one meetings with each direct report that focus on career development.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Measure performance.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Provide regular, ongoing feedback, including&nbsp;performance reviews.&nbsp;</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>If you do not currently implement all of these responsibilities in your work duties, don’t worry. Focus on improving and seek feedback from your team about what you can do better. According to Eisinger, most good leaders start out as bosses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“In the work I do, it seems to be an inevitable transition point for people as they first step into a supervisory role and develop their leadership capabilities,” she said. “It’s normal to exhibit some of these ‘boss’ characteristics. However, it is critical to recognize one’s unique challenges and work to overcome them so they can become leaders.”&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Are you a leader or a boss?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>While it can be a strenuous journey from boss to true leader, the rewards are well worth the effort. Being a thoughtful leader can increase your team’s productivity, motivation and loyalty, and ensure your company’s success.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.businessnewsdaily.com/1404-characteristics-good-boss.html\">click here.</a></p>\n<!-- /wp:paragraph -->','Are You a True Leader or Just a Boss?','','inherit','closed','closed','','4067-revision-v1','','','2024-06-08 00:22:31','2024-06-08 00:22:31','',4067,'https://smartinsurance.tips/?p=4144',0,'revision','',0),(4145,1,'2024-06-08 00:25:04','2024-06-08 00:25:04','','Untitled-11','','inherit','closed','closed','','untitled-11-5','','','2024-06-08 00:25:04','2024-06-08 00:25:04','',4070,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-11.png',0,'attachment','image/png',0),(4146,1,'2024-06-08 00:25:09','2024-06-08 00:25:09','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4145,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-11-1024x1024.png\" alt=\"\" class=\"wp-image-4145\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>In a recent study by the Centers for Disease Control and Prevention (CDC), it was discovered that&nbsp;more than 25% of adults located in the US&nbsp;do not move their bodies regularly.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This is concerning.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Exercise is essential throughout each stage of our lives, for many reasons, but even more so as our bodies start to get older. The benefits of physical exercise for aging adults, in particular, are abundant – including body-moving motivators such as increased longevity of life, the chance to ward off organ disease, heart disease, and other health conditions, and amazingly, even the potential to minimize the risk of developing mind-crippling dementia.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But how can we effectively adapt our exercise routines as we age? Stay with us as we discuss the critical steps older adults should take to maximize their physical health while getting older.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">CONSULT WITH YOUR DOCTOR: GETTING PROFESSIONAL MEDICAL ADVICE BEFORE STARTING A NEW EXERCISE PROGRAM</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Keen to focus on your fitness as you start getting older? You likely have more time on your hands to exercise now, especially if you’ve just retired.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tempting as it is, though, try to take care in terms of launching into a new exercise program – you don’t want to injure yourself or cause strain to your aging joints.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>As well as consulting with a qualified personal trainer before starting a new fitness regime, be sure to speak to your doctor. If you have a regular family doctor or family nurse practitioner, they should take an interest in following your endeavor to exercise. Before you take their advice though, be sure that they’ve completed the requisite medical qualification – such as an&nbsp;online FNP program, for example – so that you can feel at ease trusting your treating practitioners’ professional recommendations around exercising.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">BE REALISTIC: RE-ALIGNING OUR FITNESS GOALS AS WE AGE</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>As we age, we need to be realistic about our continued ability to exercise. Our bodies are, unfortunately, unlikely to be able to move in the same ways they used to. With joint pain, back pain, and lower energy levels all coming into play, it’s no wonder we can’t quite hit the same fitness goals as when we were younger. Indeed, just some of the signs of&nbsp;physical decline in older age&nbsp;include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A reduction in our muscle mass, joint flexibility, and bone strength.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Lower levels of stamina, strength, mobility, and endurance.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Less overall coordination and balance.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Reduced respiratory function.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Higher blood pressure and body fat percentage.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Increased risk of cardiovascular disease, organ disease, and stroke.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>This means that as we get older, we need to know our limits. If we’ve never hiked in our lives, our 50s and 60s may not be the time we decide we want to scale Mount Everest. Never weight trained? We may not be suitably placed to pick up a challenging new powerlifting routine.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Despite this, though, it’s always fun to test out a different style of physical activity – within reason of course. Try a dance class, or perhaps low-impact yoga, or even reformer pilates. You’re never too old to get fit or to implement better routines to care for your health. If you do, your aging body will thank you for it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">EXERCISE – AN ESSENTIAL: THE OBSERVABLE IMPACT OF MOVEMENT ON OLDER ADULTS</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Exercising regularly as an adult has a multitude of benefits. But regular exercise is not only helpful to maintain your physical fitness. Research has shown that it can also help&nbsp;keep your brain active. So – an important question – can physical exercise reduce the risk of dementia in senior citizens? Both debilitating and devastating, the crippling effects of dementia are distressing to watch unfold. So if we can find a way to avoid it developing in the first place – or at least, stave it off from happening at a less advanced age – why wouldn’t we follow through?&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Indeed, mature adults engaging in regular physical activity have been found to decrease their risk of developing the disease&nbsp;by as much as 25%.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If this isn’t enough of a case for incorporating movement into our lives as we get older, we don’t know what is. If the answer is as simple as moving our bodies more frequently, it’s a no-brainer.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.thebraggingmommy.com/healthy-habits-how-to-effectively-adapt-your-exercise-routine-as-you-age/\">click here.</a></p>\n<!-- /wp:paragraph -->','Healthy Habits: How to Effectively Adapt Your Exercise Routine As You Age','','inherit','closed','closed','','4070-revision-v1','','','2024-06-08 00:25:09','2024-06-08 00:25:09','',4070,'https://smartinsurance.tips/?p=4146',0,'revision','',0),(4147,1,'2024-06-08 00:25:42','2024-06-08 00:25:42','','Untitled-14','','inherit','closed','closed','','untitled-14-6','','','2024-06-08 00:25:42','2024-06-08 00:25:42','',4073,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-14.png',0,'attachment','image/png',0),(4148,1,'2024-06-08 00:25:46','2024-06-08 00:25:46','<!-- wp:paragraph -->\n<p>Consumer Reports’ first-ever ratings of pet insurers can help you decide whether buying coverage makes financial sense, or can provide peace of mind.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4147,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-14-1024x1024.png\" alt=\"\" class=\"wp-image-4147\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>When asked if I’m a cat or a dog person, my answer is yes. We’ve got one of each at my house: Logo, who’s been our good boy for two years now, and Phoebe, who arrived at the door as a stray kitten three years ago. They are both happy, healthy, and uninsured.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For us, pet insurance has long been on the maybe-we-should-look-into-it list, along with getting faster internet or lower-interest-rate credit cards. But our lassitude was called into question early one evening when Phoebe showed up at the back door disoriented, limping, and with a nickel-sized bald spot on her left hind quarter. I was concerned about Phoebe, but also worried things were about to get expensive.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Turns out most of the roughly 65 million U.S. households with a dog and 46 million with a cat don’t insure them, either; just 4.8 million cats and dogs are insured in this country. In a first-ever evaluation for Consumer Reports, we rated eight pet insurance providers—ASPCA, Banfield, Embrace, Fetch, Healthy Paws, Nationwide Pet Insurance, Pets Best, and Trupanion—based on a survey of 2,061 CR members with insured pets, looking at things such as how much the premium cost, the claims process, and whether people had choice in which vets to see.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.consumerreports.org/money/pet-insurance/is-pet-insurance-worth-it-a8622180631/#pet-insurance-details\">click here.</a></p>\n<!-- /wp:paragraph -->','Is Pet Insurance Worth It?','','inherit','closed','closed','','4073-revision-v1','','','2024-06-08 00:25:46','2024-06-08 00:25:46','',4073,'https://smartinsurance.tips/?p=4148',0,'revision','',0),(4149,1,'2024-06-08 00:26:39','2024-06-08 00:26:39','','Untitled-15','','inherit','closed','closed','','untitled-15-6','','','2024-06-08 00:26:39','2024-06-08 00:26:39','',4076,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-15.png',0,'attachment','image/png',0),(4150,1,'2024-06-08 00:26:44','2024-06-08 00:26:44','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4149,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-15-1024x1024.png\" alt=\"\" class=\"wp-image-4149\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>DEFINITION</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Windstorm insurance</strong>&nbsp;is usually an add-on policy for homeowners insurance. It provides protection if a wind event such as a hurricane or tornado damages your home or personal possessions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0\">Key Takeaways</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Depending on where you live, damage from wind and hail might be excluded from your standard homeowner insurance policy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>If this damage is excluded from your policy, you need to purchase an add-on policy to ensure your home is covered from damages of a wind event.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Windstorm insurance doesn’t cover storm-surge damages, and it may or may not cover flooding caused by wind damage. If you’re at risk for these perils, you may need a flood policy as well.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Windstorm insurance deductibles are typically a percentage of your home’s total insured value.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-1\">How Does Windstorm Insurance Work?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-2\">Windstorm insurance is a supplemental policy you can add to your existing&nbsp;homeowners insurance. Also sometimes known as&nbsp;hurricane insurance, this type of policy helps cover you if a severe windstorm, hailstorm, or hurricane damages your home.&nbsp;It’s typically required by mortgage lenders as a condition of the loan for property owners who live in certain locations, such as along the U.S. Gulf Coast or in specific coastal states.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Note:</strong> Basic homeowners insurance policies don’t&nbsp;cover every type of peril&nbsp;or natural disaster. Depending on where you live, you may need to purchase additional insurance for hurricanes, windstorms, and&nbsp;floods. You can also opt to purchase additional coverage for&nbsp;earthquakes, although it isn’t legally required.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-5\">Windstorm insurance covers damage from wind events. If your home is damaged by an included peril, you start the process of reimbursement by filing a claim with your insurance policy. Before you file the claim, take video and photographic evidence of the damage. You also need to include proof of the storm, so gather any official news sources that verify the information. There may be a time limit for claims, so be sure you file a claim quickly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-7\">Typically, windstorm insurance policies include both wind and hurricane deductibles. Others offer a named-storm deductible as well. The type of deductible you pay depends on the variety of storm that caused damage to your home. For instance, hurricane deductibles typically apply to damage from a named storm. Your&nbsp;insurance agent&nbsp;can help you navigate the differences.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Note: </strong>Regardless of the storm type, it’s important to note that windstorm insurance deductibles are typically calculated based on a percentage of your home’s total insured value. You usually get to select a percentage between 1% to 10% for your deductible, although your insurance company may have different procedures.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-10\">Example of Windstorm Insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-11\">Here’s an example: You elect to have a 2% deductible and your home is insured for $250,000. Your deductible would be $5,000. So if a hurricane caused $30,000 worth of damage to your home and the items inside, your check from your insurance company would be the approved amount minus your deductible, or $25,000.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-13\">Typically, the higher your deductible, the lower your premium will be. Selecting a higher deductible can help you save money. However, this means you will have more out-of-pocket expenses if your home is damaged.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-15\">What Does Windstorm Insurance Cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-16\">Windstorm insurance policies cover the inside and outside of your home if it’s damaged by severe wind events. This includes your personal belongings, your home’s physical structure (roof, windows, walls, etc.), and other buildings on your property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-18\">However, it does not cover damage related to floods and storm surges. In an intense wind event, such as a hurricane, both wind and water damage may occur. Windstorm insurance would only cover water damage in your home that occurred as a direct result of the wind damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-20\">What Windstorm Insurance Doesn\'t Cover</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-21\">Windstorm insurance may not cover flooding or storm surges from a wind event, it might make sense for you to purchase a flood policy as well.<sup>1</sup>&nbsp;In fact, if you live in an area that’s prone to both windstorms and flooding, your lender may require you to purchase both types of insurance policies. That way, your home is protected from more natural disasters.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-23\">Let’s say you live along the Florida coast, where you’re required to have windstorm insurance. A hurricane comes through, taking the roof off your house. The rain that comes in causes a lot of damage to your second floor. The storm also causes a surge of water to rush into your home, flooding the basement and main floor.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-25\">Your windstorm insurance would cover the physical damage to your home. Your insurer may also cover the things on the second story damaged by the rain that came in after the roof was blown off. Check your policy to be sure.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-27\">However, because the storm surge wasn’t directly caused by wind damage to your home, the flood damage in your basement and main floor wouldn\'t be covered unless you had a separate flood policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-29\">Do You Need Windstorm Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-30\">Those in low-risk areas are likely to have windstorm insurance included as part of their standard homeowners insurance. But residents in coastal cities and other high-risk zones may need to purchase a separate policy if they want protection.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Note: </strong>If a major storm is on the way, you may not be able to buy windstorm insurance until after it passes. There may also be a waiting period for adding this coverage to your homeowners policy. To ensure you’re protected, buy this policy well before storm season arrives.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">You also may be required to have windstorm insurance by your&nbsp;mortgage lender&nbsp;as a condition of your loan. Even if you aren’t required, it’s a wise investment if you live in an area prone to windstorms, hurricanes, tornadoes, or other wind-related disasters. You can speak to your insurance agent to see if this coverage is right for you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What does windstorm insurance cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Windstorm insurance covers damage to your property caused by a wind events such as tornadoes or hurricanes. The coverage may include damage to the exterior or your property, surrounding structures as well as your personal belongings.&nbsp;Windstorm insurance is a supplemental policy that can protect your home if you live in an area that is prone to major wind events, and may be required by lenders in certain areas.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.thebalancemoney.com/what-is-windstorm-insurance-5197016\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is Windstorm Insurance?','','inherit','closed','closed','','4076-revision-v1','','','2024-06-08 00:26:44','2024-06-08 00:26:44','',4076,'https://smartinsurance.tips/?p=4150',0,'revision','',0),(4151,1,'2024-06-08 00:27:43','2024-06-08 00:27:43','','Untitled-16','','inherit','closed','closed','','untitled-16-5','','','2024-06-08 00:27:43','2024-06-08 00:27:43','',4079,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-16.png',0,'attachment','image/png',0),(4152,1,'2024-06-08 00:27:47','2024-06-08 00:27:47','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4151,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-16-1024x1024.png\" alt=\"\" class=\"wp-image-4151\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>DEFINITION</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>An HO-3 homeowners insurance policy is a form of home insurance that provides coverage for damage to your dwelling, other structures on the property, personal property, loss of use, personal liability, and medical payments.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0\">An HO-3 homeowners insurance policy is the most common type of homeowners insurance, covering all causes of damage to the main dwelling and other structures except those specifically excluded in the policy, such as floods and earthquakes. Other homeowners insurance policies are typically a variation of an HO-3 policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-2\">Learn more about HO-3 homeowners insurance policies, how they work, and how they differ from other homeowners insurance forms.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-4\">Definition and Examples of an HO-3 Homeowners Insurance Policy</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-5\">An HO-3 homeowners insurance policy is a form of home insurance that provides coverage for damage to your dwelling, other structures on the property, personal property, loss of use, personal liability, and medical payments.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-7\">All perils, or&nbsp;causes of loss, are covered for damage to your home and other structures, except those that are specifically named on the policy as exclusions. Exclusions might include earthquakes, floods, wear and tear, neglect, and damage caused by freezing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-9\"><!-- wp:list-item -->\n<li><strong>Alternate name</strong>: Special Form Policy</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Note: Coverage for your home and other structures is written on an “all-risk basis” ( everything except named exclusions is covered). Personal property, or the contents of your home, is covered on a “named-peril basis” (only damages from perils named are covered).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-12\">How an HO-3 Homeowners Insurance Policy Works</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-13\">Insurance polices are designed to cover damage to property if the loss was caused by a covered peril.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-15\">Homeowners insurance policies vary according to the types of property and the number of perils they cover. Policies are typically considered \"open-perils,\" which covers all causes of loss unless excluded, or \"named-perils,\" which covers only specified sources of loss.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-17\">A common type of&nbsp;homeowners insurance&nbsp;is one that combines attributes of both types—the special form, or HO-3, homeowners insurance policy. An HO-3 homeowners insurance policy, like other homeowners policies, has two parts: Section I (coverages A, B, C, and D) for your property and Section II (coverages E and F) for liabilities.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-19\">Here’s a description of each individual coverage and the general limits most insurers will provide:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-21\">Coverage A: Your Dwelling</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-22\">Dwelling coverage pays for damage to your house and any structures attached to it, including plumbing fixtures, electrical wiring, and HVAC systems. Damage must be a result of a covered peril. The limit of your dwelling coverage should be at least 80% or equal to your home’s full replacement cost.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: Property damage&nbsp;to your dwelling and any other structures at your residence, is covered on an open-perils basis. An insurer will reimburse you for losses to your property except those as a result of perils specifically excluded in the policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-25\">Coverage B: Other Structures</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-26\">Coverage B pays for damage to structures on your property that are not attached to your house. Covered structures include free-standing garages, sheds, fences, and guest cottages among others. Insurers limit this coverage to 10% of your dwelling coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-28\">Coverage C: Personal Property</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-29\">This coverage reimburses you for the value of the contents of your home, possessions owned by you and people who live with you. Coverage may also include items lost or damaged outside your premises.&nbsp;The coverage limit&nbsp;is usually 50% of your dwelling coverage or any amount agreed on between you and your insurer. Coverage may not include some types of high-value items, also known as scheduled personal property. In an HO-3 policy, coverage for personal property is limited to named perils.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: The contents of your home are covered on a named-peril basis. These perils are listed in the broad form HO-2, which is an HO-2 insurance policy. They include damage from lightning, fire, and theft.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-32\">Coverage D: Loss of Use</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">This coverage helps pay any additional living expenses such as meals and housing if your home is rendered uninhabitable. Insurers limit this coverage to 20% of your dwelling coverage. Insurance companies typically don’t reimburse you for all living expenses. They pay only for the difference between your normal living expenses and extra living expenses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-35\">Coverage E: Personal Liability</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-36\">This coverage helps offset your financial losses if you’re sued or deemed legally responsible for damages or injuries to others. You are not covered in situations where you acted intentionally. You choose your coverage limits for personal liability, which is usually a minimum of $100,000.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-38\">Coverage F: Medical Payments&nbsp;</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-39\">This coverage pays medical bills for people who are accidentally hurt on your property. Coverage doesn’t apply to those who live in your home. You can choose your coverage limits, which generally must be at least $1,000.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: Some insurance companies offer more comprehensive coverage by adding policy riders that delete specific exclusions from the HO-3 policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-42\">HO-2 vs. HO-3 Homeowners Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-43\">Whether you own or rent, you can choose from various packages of home insurance available to protect your home and possessions. Each package protects against specific perils.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-45\">Insurance carriers sometimes write and file customized policies. Insurers who don’t file their own policies use standard forms available from rating organizations such as the Insurance Services Office Inc. (ISO).&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-47\">Again, Insurance companies will typically avail two approaches to insuring your property: the named-peril policy approach and the open-peril policy approach, which are represented by HO-2 and HO-3 homeowners insurance, respectively.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-49\">The named-peril policy is a lower-cost approach that names all events you are insured against in the event of a loss. The&nbsp;open-peril policy&nbsp;is a higher-cost approach that, while alluding to unlimited coverage, names exclusions you’re not insured against.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: With a named-peril policy, the policyholder must prove a covered peril caused damage to their property. With an open-peril policy, the insurer must prove an exclusion applies to the event that resulted in damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-52\">An HO-2 policy, which is also referred to as the Broad Form, is a basic homeowners insurance that covers perils listed on an HO-1 policy plus additional perils. Your dwellings, other structures, and personal property are covered against perils explicitly named in the policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-54\">An HO-3 policy is the most widely used form of homeowners insurance. It protects against all risks to your dwelling (and other structures) except those specifically excluded. However, your personal property is insured on a named-perils basis—that is, against damage or loss caused by perils listed in an HO-2 policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>HO-2 Homeowners Insurance</strong>&nbsp;</td><td><strong>HO-3 Homeowners Insurance</strong></td></tr><tr><td>Less expensive</td><td>More expensive</td></tr><tr><td>Less expansive coverage</td><td>More expansive coverage</td></tr><tr><td>Names the specific perils you’re insured against</td><td>Specifies the exclusions that you won’t receive compensation for in case of damage or loss</td></tr></tbody></table></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0-5\">Key Takeaways</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>An HO-3 homeowners insurance policy pays for all causes of loss to your dwelling and other structures, except when the loss is caused by an excluded peril.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>An HO-3 homeowners insurance policy combines the features of an open-peril policy and named-peril policy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>An HO-3 policy insures your personal property against perils specifically named in the contract.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.thebalancemoney.com/what-is-an-ho-3-homeowners-insurance-policy-5207153\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is an HO-3 Homeowners Insurance Policy?','','inherit','closed','closed','','4079-revision-v1','','','2024-06-08 00:27:47','2024-06-08 00:27:47','',4079,'https://smartinsurance.tips/?p=4152',0,'revision','',0),(4153,1,'2024-06-08 00:30:47','2024-06-08 00:30:47','','Untitled-17','','inherit','closed','closed','','untitled-17-7','','','2024-06-08 00:30:47','2024-06-08 00:30:47','',4082,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-17.png',0,'attachment','image/png',0),(4154,1,'2024-06-08 00:30:51','2024-06-08 00:30:51','<!-- wp:paragraph -->\n<p>Your insurance company may require a home inspection to cover you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4153,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-17-1024x1024.png\" alt=\"\" class=\"wp-image-4153\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0\">Buying a home means checking off a long list of to-dos, including getting an&nbsp;appraisal&nbsp;and a&nbsp;home inspection. These steps can ensure that the home is worth the amount you plan to borrow for it and that it’s in good shape before you commit to buying. A home inspection shouldn’t be confused with a home insurance inspection, however. A home insurance inspection is something your&nbsp;homeowners insurance&nbsp;company may require as a condition of getting covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0\">KEY TAKEAWAYS</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A home insurance inspection is different from a home inspection, which is designed to check for underlying structural issues in the home.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Your insurance company may require a home insurance inspection before approving your application for coverage.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>You may be more likely to need a home inspection if the home is located in an area that’s at high risk for natural disasters, such as hurricanes or earthquakes.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The home insurance inspection helps your insurer to accurately determine the replacement cost of the property and its contents.&nbsp;</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_5-0\">What Is a Home Insurance Inspection?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_6-0\">As mentioned, a home insurance inspection is separate from a typical home inspection. When you schedule a home inspection,&nbsp;it’s usually for your own peace of mind. For example, you may want to be sure that the home has no major structural issues, such as a cracked foundation or damaged wiring. A certified home inspector can examine the home inside and out to look for any issues and summarize them in a report.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_8-0\">Home inspections aren’t always required by mortgage lenders, though an appraisal is, in order to establish the property’s value. Mortgage lenders typically don’t ask for a home insurance inspection either; this is usually requested by the company through which you’re attempting to purchase homeowners insurance.&nbsp;However, whether you’re getting a regular home inspection, a home insurance inspection, or an appraisal, you’re responsible for paying the cost out of pocket.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_10-0\">A home insurance inspection allows the insurance company to gauge the home’s&nbsp;replacement cost. This is also how the insurance company assesses risk to determine the likelihood that you’ll need to file a claim for damages and calculates your estimated premium costs. A home inspection may be more common if you’re buying an older home or a home in an area that’s&nbsp;prone to natural disasters, such as hurricanes, earthquakes, or forest fires.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, in Florida and some Gulf Coast states, homeowners can go through a wind mitigation inspection. This type of inspection looks specifically at what efforts are in place to mitigate wind damage to a home that’s being covered. Insurance companies can offer discounts on coverage for homeowners who undergo this type of inspection and show that they’ve mitigated wind damage risk.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Important: Separate pest and septic tank inspections may also be necessary when buying a home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_16-0\">What a Home Insurance Inspection Covers</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_17-0\">In most cases your homeowners insurance company may do a visual inspection of the home’s exterior. This allows it to check out the condition of doors, windows, roofing, and additional structures on the property.&nbsp;If the insurance company decides that a more detailed inspection is necessary, it will also take a look inside the home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_19-0\">Every inspection is different, but generally the inspector will be assessing things such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_21-0\"><!-- wp:list-item -->\n<li>The condition and age of the roof</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Any exterior hazards that could potentially lead to damage, such as overhanging trees&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Exterior items that could be damaged, such as sidewalks, lighting fixtures, or separate buildings on the property</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Interior and exterior drainage systems</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The condition of the basement, if you have one, and the foundation</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Plumbing systems</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The age and condition of the home’s electrical system</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Home appliances</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The condition of flooring and walls</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Attic spaces and crawl spaces</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Anti-theft measures, such as a home security system or deadbolts</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Smoke and carbon monoxide detectors</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The age and condition of the HVAC system</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Chimneys and fireplaces, if you have them</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_23-0\">Overall, the goal is to assess both risk and replacement cost if the home ends up being damaged. You may not need to be at home for the exterior part of the inspection if the insurance company only wants to look at the outside, but you\'ll need to be present for the interior inspection if one is requested. The time frame can be as much as two hours.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tip: If your insurance company wants to do a complete home insurance inspection or you decide to request one, expect it to take a couple of hours to complete.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_27-0\">How to Prepare for a Home Insurance Inspection</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_28-0\">If you’re scheduled for a home insurance inspection, there are some things you can do to get ready for it. By doing a little prep work, you can spot any issues that are likely to show up in the inspection, so you’re not caught off guard.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_30-0\">Preparing for a home insurance inspection on the exterior:&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_32-0\"><!-- wp:list-item -->\n<li>Check your roof for any loose or missing shingles.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>If you have gutters, check to see if they’re secured to the home properly and clear out any debris.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Check the foundation for cracks or other signs of weakening.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>If you have a chimney, check it for cracks or loose bricks and consider getting it professionally cleaned.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Trim any overhanging branches or dead limbs that could present a hazard to roofing or other parts of the home.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Check your siding, doors, and windows for cracks, leaks, and signs of water damage.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Look for any potential hazards, such as an uneven sidewalk that could cause someone to get injured on the property.&nbsp;</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_34-0\">Preparing for a home insurance inspection on the inside:&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_36-0\"><!-- wp:list-item -->\n<li>Check your smoke detectors and carbon monoxide detectors to make sure they’re working properly.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Check your home’s fire extinguisher to make sure it’s operational.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Clean out your fireplace and its flue, if you have one.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Check around windows and doors on the inside to look for leaks or signs of termite damage.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Look in the attic and basement for signs of any water or pest damage.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Consider cleaning your HVAC system and testing it to make sure it’s working properly.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Look under sinks and around faucets, showerheads, and toilets for signs of leaks.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Inspect the walls to look for cracks or bowing, which could suggest foundation or roof issues.&nbsp;</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Important: If your homeowners insurance company decides a home insurance inspection is necessary, it may wait until after you close on the home to schedule the inspection.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_40-0\">What to Do if You’re Denied for Home Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_41-0\">If your home insurance inspection turns up some serious issues with the property, your insurance company may decide that it’s too much of a risk to cover you. In that scenario you may have a few options.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_43-0\">First, you could make any necessary repairs the insurance company requests as a condition of getting covered. That could mean replacing the roof or hot water heater or repaving the driveway.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_45-0\">If that doesn’t work, you can look for coverage through a company that specializes in high-risk properties. You’ll likely pay more for homeowners insurance than you would ordinarily, but it may be the only way to get coverage for a home with damage or structural issues.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_47-0\">A third possibility is getting the home covered under Fair Access Insurance Plans. FAIR plans are state-run programs that offer insurance for high-risk homeowners or help them find coverage. This could help you get covered if you’ve exhausted all other options. Keep in mind, however, that not every state offers a FAIR plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.investopedia.com/how-to-prepare-for-a-home-insurance-inspection-5074113\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Prepare for a Home Insurance Inspection','','inherit','closed','closed','','4082-revision-v1','','','2024-06-08 00:30:51','2024-06-08 00:30:51','',4082,'https://smartinsurance.tips/?p=4154',0,'revision','',0),(4155,1,'2024-06-08 00:34:16','2024-06-08 00:34:16','','Untitled-20','','inherit','closed','closed','','untitled-20-6','','','2024-06-08 00:34:16','2024-06-08 00:34:16','',4085,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-20.png',0,'attachment','image/png',0),(4156,1,'2024-06-08 00:34:20','2024-06-08 00:34:20','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4155,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-20-1024x1024.png\" alt=\"\" class=\"wp-image-4155\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0\">What Is Contractors\' All Risks (CAR) Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_2-0\">Contractors\' all risks (CAR) insurance is a non-standard&nbsp;insurance policy&nbsp;that provides coverage for&nbsp;property damage&nbsp;and third-party injury or damage claims, the&nbsp;two primary types of risks on construction&nbsp;projects.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_4-0\">Damage to&nbsp;property can&nbsp;include improper construction of structures, the damage that happens during a renovation,&nbsp;and damage to&nbsp;temporary work erected on-site.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_6-0\">Third&nbsp;parties, including subcontractors, may become injured while working at the construction site.&nbsp;CAR insurance not only&nbsp;covers those associated risks but also&nbsp;bridges these two types of risks into a common policy&nbsp;designed to&nbsp;cover the gap between exclusions that would otherwise exist if&nbsp;using separate policies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_8-0\">CAR insurance coverage is common for&nbsp;construction projects involving buildings, water tanks, sewage treatment plans, flyovers, and&nbsp;airports.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0\">KEY TAKEAWAYS</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Contractors\' all risks (CAR) insurance is a non-standard&nbsp;insurance policy that provides coverage for&nbsp;property damage&nbsp;and third-party injury or damage claims.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Those are the&nbsp;two primary types of risks on construction&nbsp;projects.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Damage to&nbsp;property can&nbsp;include improper construction of&nbsp;structures,&nbsp;the damage that happens during a renovation,&nbsp;and damage to&nbsp;temporary work erected on-site.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Third&nbsp;parties, including subcontractors, may also suffer injuries while working at the construction site.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The goal of a CAR insurance policy is to cover&nbsp;all parties on a project.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_12-0\">Understanding CAR Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_13-0\">Typically, both&nbsp;contractor&nbsp;and employer jointly take out&nbsp;CAR insurance policies. Other parties such as financing companies have the option of being named to the policy. Because multiple parties are included in the policy, each retains the right to file a claim against the insurer. All parties have the duty to inform the insurer of any injuries and damages that may result in a claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_15-0\">The goal of a CAR insurance policy is to ensure&nbsp;that all parties on a project are covered, regardless of the type of damage to the property or who caused the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_17-0\">Insurers who underwrite this type of policy lose the right to&nbsp;subrogation. That means that if an insurance company pays out funds to one party in the contract,&nbsp;it cannot seek to recover those funds from another party in the contract.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_19-0\">For example, if the owner of a large building and the contractor working on the building are on the same CAR policy, any damages&nbsp;to the building caused by the contractor can be recovered by the building owner when a claim is filed. The insurer, however, cannot seek to recover funds from the contractor.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_21-0\">A CAR insurance policy also provides coverage against property losses or damages caused by&nbsp;fire.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Important: Risks often covered under a CAR policy include flood, wind, earthquakes, water damage, mold, construction faults,&nbsp;and negligence. They typically do not cover normal wear and tear, willful negligence,&nbsp;or poor workmanship.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_25-0\">Extending CAR Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_26-0\">CAR coverage may be&nbsp;extended to cover the interests of manufacturers, suppliers, contractors, and subcontractors.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_28-0\">The policy can also be expanded to cover the following events:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_30-0\"><!-- wp:list-item -->\n<li>Additional custom duty</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Air freight</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Damage to surrounding property</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Debris removal</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Earthquake</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Escalation</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Loss due to breakage of glass</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Maintenance visits</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_32-0\">Additionally, CAR policies may be designed to include&nbsp;losses incurred when start up is delayed&nbsp;because of another insured loss. For example, if a structure is damaged and is covered by CAR insurance, then the losses incurred as a result of a delay in opening the property while the damage is being repaired may also be covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_34-0\">CAR policies can also be expanded to include a provision for escalation, to cover&nbsp;acts of terrorism, and to cover excess third-party liability, among other less common scenarios.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Is All Risk Insurance the Same as General Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Normally, an all risk insurance policy limits coverage to the construction of a property and ends once the project is finished. A general liability insurance policy can provide coverage for damage to a property for an ongoing period of time after the project is done and the property is sold or occupied.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Who Needs Contractors\' All Risk Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Contractors who want to protect themselves against the&nbsp;potential for financial liability&nbsp;due to property damage or injury that may occur during a construction project should consider CAR insurance. A CAR insurance policy can provide you with the assurance that such costs would be covered should the unexpected happen on the job. It can give you peace of mind knowing that, in such circumstances, your business can survive.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Which Parties on a Project Take out a CAR Insurance Policy?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Typically, the project contractor and the party that hired the contractor (e.g., the property owner) together take out&nbsp;a CAR insurance policy. Others can also be named on the policy, including the finance company, subcontractors, suppliers, and manufacturers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_42-0\">The Bottom Line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_43-0\">Construction projects offer up a myriad of financial risks related to property damage and third-party injury. Contractors\' all risk insurance is a a non-standard insurance policy that covers these risks when they\'re caused by such things as fire, flood, wind, earthquakes, and construction faults at the construction site during a project.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_45-0\">Contractors hired to lead a building project should consider a CAR policy. Knowing that you\'re protected against financial claims related to property damages and injuries can instill confidence and provide peace of mind throughout a project.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.investopedia.com/terms/c/contractors-all-risks-car-insurance.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Contractors\' All Risks (CAR) Insurance: Definition and Example','','inherit','closed','closed','','4085-revision-v1','','','2024-06-08 00:34:20','2024-06-08 00:34:20','',4085,'https://smartinsurance.tips/?p=4156',0,'revision','',0),(4157,1,'2024-06-08 00:34:56','2024-06-08 00:34:56','','Untitled-19','','inherit','closed','closed','','untitled-19-6','','','2024-06-08 00:34:56','2024-06-08 00:34:56','',4088,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-19.png',0,'attachment','image/png',0),(4158,1,'2024-06-08 00:35:00','2024-06-08 00:35:00','<!-- wp:paragraph -->\n<p>Scheduled personal property coverage is a must-have if you have belongings worth more than your standard policy’s limits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4157,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-19-1024x1024.png\" alt=\"\" class=\"wp-image-4157\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p><strong>Nerdy takeaways</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Scheduled personal property covers items like jewelry, art and collectibles beyond standard policy limits.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>It\'s “scheduled” because you list and insure each item individually for what it’s worth.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Many scheduled personal property policies feature low or even no deductibles.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Whether it\'s a family heirloom, a dazzling piece of jewelry or that art piece you splurged on, your standard home or renters insurance might not be enough. Enter scheduled personal property coverage. It’s the key to ensuring your valuables are fully insured.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What is scheduled personal property?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Scheduled personal property coverage is an insurance endorsement or “floater” that provides additional coverage for specific, high-value belongings beyond what your standard homeowners\' insurance policy covers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You might need scheduled personal property coverage for items that are particularly valuable or unique, like jewelry, fine art, antiques, collectibles or expensive electronics — anything with a value that exceeds the standard coverage limits of your homeowners\' policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Costs vary by insurer, but you can generally expect to pay around $20 annually for every $1,000 of scheduled personal property coverage. So if you insure $10,000 worth of items, you might pay $200 each year.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How does scheduled personal property coverage work?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A standard home insurance policy typically has a coverage limit for personal property, which is the maximum amount the insurance will pay in the event of a claim. Within this, there are sublimits for specific categories of items. For example, a policy might cover up to $100,000 of personal property but only $1,500 for jewelry.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Scheduled personal property coverage allows you to \"schedule\" individual high-value items, so they’re insured for their replacement cost value, rather than the sublimit in your standard policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This coverage supplements your standard homeowners or renters insurance. It covers loss or damage to the scheduled items, often with a broader range of covered perils than your regular policy. This can include theft, loss, accidental damage and sometimes even mysterious disappearance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tip: Many scheduled personal property policies have low or no deductibles. So if you file a claim, you may only need to pay a small amount or even nothing at all before insurance steps in.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What does scheduled personal property cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Generally, scheduled personal property coverage is for items that are unique, high value or irreplaceable. Covered items might include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Jewelry, like rings, necklaces, bracelets and watches.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Fine art, like paintings and sculptures.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Collectibles, like rare stamps, coins and comic books.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Antiques, like vintage furniture, books and other heirloom pieces.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Musical instruments, like vintage guitars and grand pianos.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>High-end electronics, like expensive cameras and audio equipment.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Other valuables, like firearms and furs.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How to get scheduled personal property coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>In many cases, you can get this coverage by adding a rider or floater to your current home or renters insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here’s how to add scheduled personal property coverage to your policy:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li>Contact your current home or renter’s insurance provider and ask about adding a scheduled personal property endorsement to your current policy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Give your insurer any information it requests, like receipts, appraisals and photographs of the items.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Pay any premiums needed to start your coverage.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Update your coverage if the value of your items changes over time.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Blanket coverage vs. scheduled personal property</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If your insurer doesn’t offer scheduled property coverage, it may offer blanket coverage as an alternative. So, what’s the difference?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Blanket coverage provides a single coverage limit for all your valuable items combined, without needing to list or appraise each item individually. A per-item limit may apply.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Say you have a total blanket valuables coverage limit of $30,000 for jewelry, with a per-item limit of $10,000. This means your jewelry is collectively insured up to $30,000, with a per-item limit of $10,000. If you own three pieces of jewelry, each worth up to $10,000, then they’re all covered. But if your engagement ring is worth $13,000, it\'s only covered up to the $10,000 per-item limit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Scheduled coverage involves itemizing and often appraising each high-value item separately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, you have an expensive engagement ring worth $15,000 and a vintage watch valued at $10,000. Under a scheduled coverage policy, each item is listed separately with its appraised value. The ring is insured for $15,000 and the watch for $10,000. In case of loss or damage, each item is covered up to its full listed value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.nerdwallet.com/article/insurance/scheduled-personal-property\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is Scheduled Personal Property Coverage for Homeowners?','','inherit','closed','closed','','4088-revision-v1','','','2024-06-08 00:35:00','2024-06-08 00:35:00','',4088,'https://smartinsurance.tips/?p=4158',0,'revision','',0),(4159,1,'2024-06-08 00:35:44','2024-06-08 00:35:44','','Untitled-21','','inherit','closed','closed','','untitled-21-6','','','2024-06-08 00:35:44','2024-06-08 00:35:44','',1832,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-21.png',0,'attachment','image/png',0),(4160,1,'2024-06-08 00:35:48','2024-06-08 00:35:48','<!-- wp:paragraph -->\n<p>Mold can create financial headaches for homeowners.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4159,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-21-1024x1024.png\" alt=\"\" class=\"wp-image-4159\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance is designed to cover you against various types of damage, but you may be wondering whether that includes mold. It’s a good question to ask, particularly if you’re purchasing an older home and want to avoid any potentially costly surprises. The answer isn’t always clear-cut. “Generally, standard homeowners insurance policies can cover mold to an extent,” says Sean Harper, CEO and co-founder of Kin, a Chicago-based insurtech startup. “It depends on what caused the mold.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here’s a look at the most common situations in which mold may—or may not—be covered by homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key takeaways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Mold coverage isn’t guaranteed by your homeowners insurance policy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Typically, mold damage is only covered if it’s related to a covered peril.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Mold damage caused by flooding would need to be covered by a separate flood insurance policy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Proper preventative measures can help minimize the odds of having to deal with a mold issue.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-6\">Covered Perils and Mold Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance policies spell out a list of “covered perils,” meaning instances of damage to the home for which you’re eligible to file a claim. The main cause of mold formation is water seeping into the structure of your home, so you need to know which water-related covered perils are included in your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, your policy may cover you if mold results from any of the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-11\"><!-- wp:list-item -->\n<li>Water leaks associated with a malfunctioning appliance</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Water damage caused by a burst hot water heater</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Water damage caused by firefighters extinguishing a fire in your home</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-13\">In these instances mold would be “resulting damage” from a covered peril. It’s important to distinguish between resulting damage and initial damage. For example, if your water heater breaks and a leak causes mold to form in the walls, then your policy might pay for the walls to be repaired and the mold to be removed but not for the replacement of the hot water heater.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-15\">It’s important to note that the amount your policy may pay for mold repair and removal might not cover all the resulting damage. “This extent of mold coverage is typically limited—for example, a company may cap mold removal and remediation at $10,000 for a single occurrence,” says Pat Howard. Higher coverage limits may be available, but if you’re unsure about what’s covered, Howard suggests talking to your agent to find out what options you have.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-19\">Mold Caused by Floods or Acts of Nature</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-20\">In some cases mold can grow as a result of water damage from outside forces. Whether your homeowners insurance covers mold in that instance depends on what caused the damage to begin with.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Mold that’s a result of storm surges, like floodwaters, is usually not covered by standard homeowners insurance,” Harper says. “That’s because standard home insurance policies don’t cover flood damage—you need flood insurance for that.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-24\">If you have a flood insurance policy and your home is flooded due to heavy rains, a hurricane, or another act of nature, then your policy may extend to mold removal and repairs necessitated by flooding. Flood insurance costs on average around $700 per year in addition to your regular homeowners insurance premium, though it may cost more if you live in an area that’s at higher risk for flooding.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-26\">That may be worth the investment, however, if you’re concerned about mold resulting from a flood. According to FEMA, just one inch of water in your home can cause $25,000 in damage. Flood insurance with mold coverage could help mitigate some cost.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-28\">Mold that results from other acts of nature, such as a hurricane or an ice storm, may be covered under your homeowners insurance policy. For instance, if a hurricane tears your roof off and water gets inside the home, causing mold to grow, you might be able to file a claim for that along with other damages to the home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-30\">Mold Resulting From Negligence</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-31\">The third category of mold-related damage is associated with negligence on the part of the homeowner. What this means in simple terms is ignoring home maintenance or repairs to the extent that they allow mold to develop. “Mold typically isn’t covered by your homeowners insurance policy if it forms because of neglect or lack of upkeep,” Howard says. “If you knowingly could have prevented the mold by fixing leaky pipes or using a dehumidifier, your insurer won’t reimburse you for mold removal and remediation.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">Say that you notice the seal around the base of your toilet is leaking water. Instead of replacing the seal or the toilet, you let the leak continue, which causes damage to the sub-flooring. From there, mold sets in and spreads to the baseboards and walls. In that instance, your homeowners insurance policy claim may be denied because you were in a position to prevent the mold from happening.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-35\">How to Avoid Having a Mold Damage Claim Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-36\">There are several things you can do to prevent mold and/or improve the odds of having your claim approved if you incur mold damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">On the prevention side, you can:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-40\"><!-- wp:list-item -->\n<li>nstall dehumidifiers in areas that are prone to dampness</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Regularly check plumbing pipes and fittings to look for leaks</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Adequately ventilate bathrooms, laundry rooms, kitchens, and other areas of your home where mold may have an opportunity to grow</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Keep gutters clean to prevent the formation of ice dams in winter, which can lead to leaks</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Regularly inspect your roof—and around windows and doors—and caulk cracks that could allow water to leak in</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Properly insulate interior and exterior pipes in winter to avoid breakages or leaks</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Routinely check appliances and hot water heaters for signs of leaks</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>If you have to file a claim for mold damage:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-44\"><!-- wp:list-item -->\n<li>Properly document the damage with photos and/or video</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Provide up-to-date maintenance records if you have them</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Follow any and all instructions the insurance company gives you to process the claim</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Contract approved mold removal companies to clean up the damage</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-46\">What to Do if Your Mold Claim Is Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-47\">If your homeowners insurance company denies your mold claim, you may want to get a licensed contractor to offer a second opinion on what caused the damage. You could also attempt to appeal the denial with your insurance company if it has a specified appeals process. If not, your state insurance commissioner may be able to offer help on what you can do to get the claim approved or to file a complaint about denial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.investopedia.com/does-homeowners-insurance-cover-mold-4782771\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Mold?','','inherit','closed','closed','','1832-revision-v1','','','2024-06-08 00:35:48','2024-06-08 00:35:48','',1832,'https://smartinsurance.tips/?p=4160',0,'revision','',0),(4161,1,'2024-06-08 00:36:16','2024-06-08 00:36:16','','Untitled-22','','inherit','closed','closed','','untitled-22-7','','','2024-06-08 00:36:16','2024-06-08 00:36:16','',4104,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-22.png',0,'attachment','image/png',0),(4162,1,'2024-06-08 00:36:19','2024-06-08 00:36:19','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4161,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-22-1024x1024.png\" alt=\"\" class=\"wp-image-4161\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Key takeaways</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Significant home renovations can impact the value of your home, and you may need to adjust your homeowners insurance accordingly.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Adding square footage or valuable upgrades could increase your insurance premium.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Renovations that reduce your risk of a claim, like a roof replacement or new security system, could decrease your premium costs.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Some carriers offer endorsements, builder\'s risk insurance, to ensure you have enough coverage during the renovation process.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>A home renovation project can be exciting, stressful and all-consuming. Homeowners are likely to consider their project’s budget closely, along with details like design inspiration and a timeline for getting the job done. While there are many important considerations to make, one easy detail to overlook can be how the renovation may change the homeowner’s insurance coverage you need once the project is complete. Even during the renovation process, you may want to boost the coverage that’s in place to cover the worksite and contractors on your property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">When does homeowners insurance cover renovations?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>While homeowners insurance won’t cover new renovations directly, your existing home insurance policy will likely need to be adjusted following the completion of your renovations. If you are planning a small renovation — perhaps some new paint and a set of built-in bookcases in your living room — your homeowners insurance may not be impacted.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But larger renovation projects, from a kitchen remodel to finishing your basement, change your home’s overall rebuild value. The&nbsp;dwelling coverage&nbsp;listed on your homeowners insurance policy is based on your home’s estimated rebuild value. Remodeling can affect that value because it is determined by your home’s characteristics, such as square footage, finishings, number of bathrooms and roof type.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, consider a home that is insured for $200,000. The owner upgrades the kitchen: new appliances, granite countertops, custom cabinets — the works. The home’s rebuild value is now $260,000. If a disaster such as a fire destroyed the home, $200,000 in coverage would not be enough to restore the house to its former condition.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Can I get renovation insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>When undertaking a home renovation project, it’s essential to understand the limitations of standard homeowners insurance and the potential need for additional home renovation insurance. Standard policies typically do not extend full coverage to construction materials and liabilities that arise specifically from renovation activities. Moreover, if a home is vacant during major renovations, standard insurance often falls short, as vacant homes present different risks compared to occupied ones. This is where specific endorsements or additional policies, often referred to as renovation insurance, may become crucial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Builder’s risk insurance:</strong>&nbsp;This can cover construction materials, both on-site and in transit, against risks like theft, fire or weather damage.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Vacant home insurance:</strong>&nbsp;Standard policies do not typically provide coverage for vacant homes, so if you’re living elsewhere during renovations, you may need this endorsement.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Liability endorsements:</strong>&nbsp;These offer additional financial protection against accidents or injuries that might occur on your property during the renovation process.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Speaking with your insurance agent about the scope of your renovations may help you decide if you need additional coverage during the construction process.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Types of renovations that affect homeowners insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The type of renovation you make on your home will impact the rate at which your insurance needs change. In general, anything that increases the value of your home will indicate a need for more insurance coverage, and the corresponding higher premiums that go with it. But that’s not always the case.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Home additions</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Adding an addition is a major renovation project that increases your home’s square footage and will undoubtedly increase your home’s value since square footage is one of the primary factors used in determining your rebuild value. Building a family room on the back of your home, for example, or adding a dormer that increases the space on the second floor, will add value to your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The right time to call your insurer for a home addition is when you are still in the planning stages. Once you have the architectural drawings nailed down, call your insurance representative and let them know what you’re planning. They can review your remodel insurance options and the probable premium increase so that you are fully aware of your costs post renovation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Major renovations and improvements</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Although improvement projects such as upgrading your kitchen or bathroom don’t increase your square footage, they can still affect your homeowners insurance policy. Most interior renovations are designed to get rid of old, outdated elements and replace them with new ones. The grade or type of the items used in places like your kitchen and bathroom are usually questions your insurance agent will ask when helping calculate the estimated rebuild of your home. If you have upgraded these rooms, it’s worth a call to your property insurer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>After these renovations, you may want to consider&nbsp;replacement cost value&nbsp;rather than actual cash value if your policy currently does not have this coverage. The former may cost more but will provide additional financial protection for higher-grade home elements.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Adding a pool, sauna or hot tub</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Although these elements can give you a great deal of satisfaction while&nbsp;adding value to your home, they are also a liability hazard. It’s not hard to see how someone might be hurt — or worse — and insurers need to protect themselves from liability claims when you install one by raising your premium. Your insurer may also require you to install a fence or night-time lighting around any water feature you have on your property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Updating the roof</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Replacing your roof does add value to your home, and may impact your premium rate, but many insurers provide discounts for a new roof. If you live in a coastal area frequented by hurricanes or wind storms, there may be further discounts if you choose damage-resistant materials for your roof. The result? You may see your rate decrease when you install a new roof on your home. The same is true if you install new locks or tamper-proof windows. Ask your insurance agent if there is a discount for these items.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Adding a home office</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you primarily work from home and find yourself needing a dedicated home office, this renovation project may affect your insurance policy. For example, running a business out of your home where people are coming to your property increases the risk of a liability claim. Because of that, your standard homeowners insurance policy may not provide business-related claims that occur on your property. In addition, if you are storing items on your property that are primarily for business use, your policy might have limited&nbsp;personal property coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">The cost of home renovations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The change in home insurance when renovating will largely depend on the increased dwelling value of the home. The tricky part is that your home’s value is not based on the market value — which is the price you paid for it or the price it would get on today’s real estate market.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Insurers use a different value — a&nbsp;replacement cost calculation&nbsp;determined by multiplying your home’s square footage by the cost-per-foot of construction in your region. This includes looking at what it would cost to replace your home in your neighborhood with similar quality materials. Any high-end finishes and top-of-the-line materials your home has are factored into calculation costs as well.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Thus, your home might be worth $200,000 on the market, but your insurer could still recommend that you insure it for $275,000 if construction costs are high. If you insured the home only for the market value, you could find yourself underinsured if the home were destroyed or damaged. On the other hand, if the seller’s market is hot and your home’s market value is significant due to demand, your dwelling insurance coverage could be lower if the estimated rebuild of your home is less than the sellable amount.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A handy tool to use when you’re determining your insurance value is an ITV (insurance-to-value) calculator, which industry professionals use to determine if a home is adequately insured.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Another factor to think about is liability. If your renovations increase your potential liability exposure, you may need higher liability limits. An example of this includes adding attractive nuisances, like a&nbsp;swimming pool. Renovations that increase your liability exposure may also increase your cost of home insurance as your insurer could see you as riskier to insure.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How to reduce risk during renovations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Although it is important to take a good look at your insurance needs in your renovated home, that is not enough. You should also consider your insurance needs during the renovation, which may differ from your normal insurance needs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Additional riders may be needed.&nbsp;</strong>&nbsp;The estimated number of fires in structures under construction has&nbsp;increased since 2014, according to the National Fire Protection Association (NFPA). Because of fire, theft and the other hazards to a home during construction, your insurer may need to add a temporary dwelling under construction rider to your policy to cover contingencies.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>A new policy type may be needed</strong>. If you are completing a major renovation that requires you to leave the home and live elsewhere for an extended period, you may need to update your policy to a&nbsp;vacant home policy, which can protect your property while you are away.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Review existing policy limits.&nbsp;</strong>If you are doing the remodeling yourself or in conjunction with friends or family, talk to your agent about any limitations with your&nbsp;personal liability&nbsp;and medical payments coverage. If you are hiring a contractor, most of them have their own coverage if one of their workers is injured on the job. However, you will want to confirm this before any work starts. If you are working on it yourself or with other non-professionals, the right coverage is vital.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>In general, during construction, your homeowners insurance should cover you for any faulty work or defective materials used in the building process. It is worth double-checking this with your insurer before work starts to be sure you are covered. What is also important to remember is completing work that adheres to safety standards is crucial. If renovating your plumbing or electrical, for example, following the right guidelines is necessary to reduce the risk of your property not being covered in the event of a claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.bankrate.com/insurance/homeowners-insurance/home-insurance-during-renovations/#how-to-reduce-risk-during-renovations\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Renovations?','','inherit','closed','closed','','4104-revision-v1','','','2024-06-08 00:36:19','2024-06-08 00:36:19','',4104,'https://smartinsurance.tips/?p=4162',0,'revision','',0),(4163,1,'2024-06-08 00:36:50','2024-06-08 00:36:50','','Untitled-23','','inherit','closed','closed','','untitled-23-7','','','2024-06-08 00:36:50','2024-06-08 00:36:50','',4107,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-23.png',0,'attachment','image/png',0),(4164,1,'2024-06-08 00:36:53','2024-06-08 00:36:53','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4163,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-23-1024x1024.png\" alt=\"\" class=\"wp-image-4163\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>The personal property portion of your insurance policy applies to the contents of your home, but whether home insurance covers your appliances will depend on the nature of the damage. While damage from covered losses like fires is typically included in a homeowners insurance policy, natural wear and tear or breakdowns, like a decade-old refrigerator malfunctioning, usually aren’t covered. For more robust financial protection for your home’s appliances, consider a home warranty or adding equipment breakdown coverage to your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">When does homeowners insurance cover appliances?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Standard homeowners insurance policies provide financial protection for the physical structure of your home, as well as the personal belongings inside, including appliances. However, appliances are generally covered under the&nbsp;personal property portion&nbsp;of your insurance, and standard&nbsp;HO-3 policies&nbsp;only cover personal property on a&nbsp;named perils&nbsp;basis. This means that your insurance policy lists covered causes of damage that your personal property is financially protected against. These typically include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Fire, lightning or smoke:</strong>&nbsp;Your appliances are typically covered if damage results from&nbsp;lightning, volcanoes or fires. This includes damage from smoke, which can affect air circulation systems like forced air heating. Some policies in&nbsp;wildfire-prone regions&nbsp;may not cover damage from wildfires, so you’ll want to double-check your policy details.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Wind and hail:</strong>&nbsp;This includes damage from&nbsp;windstorms, hail and the weight of ice, snow or sleet. For example, if a section of your roof caves in after heavy snowfall and damages your washer and dryer, these appliances would likely be covered as long as the weight of ice and snow is a named peril in your policy. It’s important to note that flood damage is not included under standard HO-3 policies — separate&nbsp;flood insurance&nbsp;is required.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Explosions:</strong>&nbsp;Appliance damage caused by explosions, whether they originate inside or outside of the home, is typically covered. This may include damage caused by aircraft or vehicles.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Civil commotion, vandalism, malicious mischief or theft:</strong>&nbsp;Your appliances are likely to be financially protected from damages or losses caused by intentional harm or theft. For instance, if someone breaks into your home and damages your appliances while looking for valuables, your policy will usually cover this damage.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Sudden steam or water discharge:</strong>&nbsp;Sudden and accidental water or steam discharge or malfunction of a steam or hot water heating system is normally covered by personal property coverage. However, gradual damage or neglect, such as a slow leak leading to mold, is excluded from standard policies.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Freezing:</strong>&nbsp;Your appliances are generally covered against damage from freezing conditions. This may include damage to your plumbing or air systems caused by a burst pipe.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Sudden artificially generated electrical current:</strong>&nbsp;Unexpected electrical surges can harm your electronics. This peril is generally covered by personal property insurance, but if your home contains a considerable number of&nbsp;high-value electronics&nbsp;or other items, discuss this with your insurance agent to ensure adequate coverage.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">When does homeowners insurance not cover appliances?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>There are some instances where your insurance will not cover appliances, and it’s a good idea to be aware of them before you’re faced with unexpected repair bills. If your personal property coverage has named perils, any source of damage not included on the list of named perils typically will not be covered. These might include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Age-related breakdowns:</strong>&nbsp;Old appliance breakdowns aren’t covered by standard home insurance policies. If you’ve had an appliance for more than a few years and it stops working for a reason other than a named peril, you’re likely on your own for repairs or replacement.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Lack of maintenance:</strong>&nbsp;Regular maintenance is crucial for appliance longevity. If your appliance damage is caused by lack of maintenance, your home insurance will not normally cover it. You may want to refer to your appliance owners manual to make sure you’re performing the recommended maintenance for each.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Flooding:</strong>&nbsp;Standard HO-3 policies don’t provide coverage for flood-related damages. For flood coverage, you can explore policies from private insurers or the&nbsp;National Flood Insurance Program.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Earthquakes:</strong>&nbsp;A standard home insurance policy does not cover damage caused by earthquakes. However, if your appliances are damaged in a fire that occurred after an earthquake, that would likely be covered. Similar to flood insurance, homeowners in earthquake-prone regions can purchase&nbsp;earthquake insurance&nbsp;as an endorsement or standalone policy, depending on their location.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Sewer backup:</strong>&nbsp;If your appliances are damaged by standing sewage that overflows from your home’s sewer line, you would likely not get help from your home insurance company for repairs unless you purchase a&nbsp;water backup endorsement.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Home insurance for appliances</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance does not cover appliances in instances outside of what is specifically listed in your policy. As such, you may want to purchase a home warranty, an appliance warranty, equipment breakdown coverage or insure your belongings at replacement cost value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Home warranty coverage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Home warranty programs are&nbsp;not the same as home insurance. They typically cover specific systems and usually focus on routine breakdowns and malfunctions. This coverage is more like a service contract that covers your appliances and home systems (plumbing, electrical, HVAC) from damage caused by regular wear and tear and age. To note, you can have an HO-3 home insurance policy and a home warranty — the coverage types are different.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A&nbsp;home warranty&nbsp;generally costs between $20 and $150 a month, and you are often able to pick and choose what you’d like covered. If you purchase a newly built home, you might have a home warranty from the builder. This is different from a home warranty policy, but the coverage may look similar.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Appliance warranties</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Home appliances can be expensive, but when you purchase a new appliance, you typically have the option to add a manufacturer warranty. This warranty may even be included for free for the first year of the machine’s life. Manufacturer warranties may provide peace of mind should your new appliance break down shortly after you buy it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Equipment breakdown coverage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Your insurer may offer&nbsp;equipment breakdown coverage&nbsp;as an add-on option on your home insurance policy. This coverage pays for financial loss caused by appliance breakdown. Unlike standard personal property coverage, mechanical failure and breakdown are covered under this add-on. The specific home systems covered by this endorsement will vary by provider, and coverage limits usually range from $10,000 to $50,000. Not all carriers offer equipment breakdown coverage, but you can consult your insurance agent for more details if you’re interested in purchasing this&nbsp;endorsement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">ACV vs. RCV</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>When you purchase a home insurance policy, you may be given the option to cover your personal property at&nbsp;actual cash value (ACV) or replacement cost value (RCV). ACV provides coverage for the depreciated value of items, while RCV covers items based on what it would cost to replace them at today’s market value. Standard HO-3 policies cover personal property on an ACV basis but may give you the option to select RCV coverage.&nbsp;HO-5 policies&nbsp;are more robust and may already include RCV coverage for personal property. Some home insurance companies like USAA automatically insure your belongings at replacement cost value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you want more substantial coverage for your appliances, you might choose RCV for personal property insurance to ensure you’re getting enough coverage to replace your items if they’re destroyed by a covered peril. This may be particularly relevant to homeowners with lots of old appliances who would need to pay a significant amount out of pocket to replace appliances at today’s value after an ACV payout.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How much home insurance coverage do I need for my appliances?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most personal property coverage covers your home’s contents at 50 to 70 percent of your&nbsp;dwelling coverage. You may want to discuss adjusting your coverage limits with your insurance agent based on your belongings. Having too little personal property coverage could leave you with significant out-of-pocket expenses following a covered loss.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To determine how much personal contents coverage you need, you could start by&nbsp;conducting an inventory&nbsp;of all your household appliances, listing them along with their current values. This not only includes major appliances like refrigerators, washing machines and ovens but also other electronics and smaller appliances that might add up in value. Regularly updating this inventory, especially after major purchases, ensures you have an accurate estimate at any given time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Once you have a clear idea of the total value of your appliances, compare it with the value of your other personal belongings and the personal property limit in your homeowners insurance policy. If the total value of your items exceeds this limit, you might want to consider increasing your coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.bankrate.com/insurance/homeowners-insurance/does-homeowners-insurance-cover-appliances/#how-much-home-insurance-coverage-do-i-need-for-my-appliances\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Appliances?','','inherit','closed','closed','','4107-revision-v1','','','2024-06-08 00:36:53','2024-06-08 00:36:53','',4107,'https://smartinsurance.tips/?p=4164',0,'revision','',0),(4165,1,'2024-06-08 00:37:35','2024-06-08 00:37:35','','Untitled-25','','inherit','closed','closed','','untitled-25-4','','','2024-06-08 00:37:35','2024-06-08 00:37:35','',4110,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-25.png',0,'attachment','image/png',0),(4166,1,'2024-06-08 00:37:39','2024-06-08 00:37:39','<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4165,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-25-1024x1024.png\" alt=\"\" class=\"wp-image-4165\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Roofs are necessary for any building but often go unnoticed until the first rainy day. The lifespan of a roof is typically 20-30 years. Unlike wine, it doesn’t improve with age. A roof is often the most expensive and overlooked part of a home. In many cases, it isn’t until there is a major issue with the roof that homeowners start to appreciate its importance. Explore how homeowners insurance with an old roof works</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-how-does-homeowners-insurance-treat-older-roofs\">How does homeowners insurance treat older roofs?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>An old roof can be a big risk and make it difficult to get home insurance. It’s fairly common for home insurance companies to require older roofs to pass inspection before granting a policy. The payout of roof-related claims can depend on the cause of the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Acts of God,” such as severe weather events, will probably be covered as long as the roof was properly looked after beforehand. Leaks or water damage caused by a 20-year-old roof that was not maintained adequately are unlikely to be covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you have an old roof and are looking for a homeowners insurance policy or a renewal, you can ensure you’re covered by being proactive. It’s important to keep detailed roof repairs and maintenance records, including photos. If you file a roof claim, you will have the evidence to back up the issue to compensate you for your damages.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Common signs of roof damage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Your roof plays a crucial role in safeguarding your home from the elements, but it can suffer wear and tear over time, leading to damage. As a homeowner, it’s essential to be vigilant and identify potential roof problems early on to prevent more extensive and costly issues. Here are some common signs of roof damage that you should be on the lookout for.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Curling or missing shingles</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>One of the most apparent signs of roof damage is when shingles start to curl or become dislodged. Curling shingles can occur due to age, prolonged exposure to sunlight, or improper installation. Missing shingles leave your roof vulnerable to water penetration and may be caused by strong winds or severe weather events. If you notice any curling or missing shingles, it’s time to take action.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Water stains on ceilings</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Water stains on your ceilings or walls can be a telltale of a roof leak. When water finds its way through damaged roof areas, it can seep into your home, leaving visible stains. Don’t ignore water stains, which can indicate more significant problems with your roof’s integrity. Addressing leaks promptly can prevent water damage to your interior and potential mold growth.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Visible mold or mildew</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Mold and mildew thrive in moist environments, making your roof an ideal breeding ground if leaks or poor ventilation exist. If you notice dark spots or patches of mold on your roof or the exterior walls, it’s essential to address the issue promptly. Mold growth can compromise the structural integrity of your roof and pose health risks to your household.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Sagging roof</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A roof that appears to sag or dip in certain areas signifies significant structural damage. Sagging can occur due to excessive weight on the roof, water accumulation, or weakened support structures. It’s crucial to have a professional roofing contractor inspect and address this issue promptly to prevent further damage and potential collapses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Granule loss</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Asphalt shingles often have granules that protect the roof from UV rays and provide fire resistance. If you notice excessive granules in your gutters or downspouts, it may indicate that your shingles are wearing down and nearing the end of their lifespan. Granule loss can lead to reduced protection and premature aging of your roof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Damaged flashing</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Flashing is the metal or rubber material installed around chimneys, vents, and skylights to create a water-resistant barrier. If flashing becomes damaged or deteriorates over time, it can compromise your roof’s ability to keep water out. Regularly inspect your flashing for signs of wear or damage and have it repaired or replaced as needed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Cracked or peeling paint on roof components</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Painted roof components, such as fascia boards and soffits, can provide valuable clues about your roof’s condition. Cracks or peeling paint may indicate water damage or excessive moisture, suggesting that your roof may have issues that require attention.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-problems-with-old-roofs\">Problems with old roofs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The roof of a house is the most important part; it protects the home’s inhabitants from the elements, prevents water damage, and keeps the building healthy. As a homeowner, you should be aware of the following issues before you reach out to a roofing contractor:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Leaks</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Cracked roof shingles are probably the most common cause of water penetration. The weather is also a factor, with windstorms, rain, or snow quickly penetrating a house with cracked or missing roof shingles.&nbsp;Long-term leaks&nbsp;could also lead to mold, so it can be important to think about it now and get a repair.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Sagging</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If your ceiling looks like it’s caving in, that’s not a good sign. While the roof itself may not fall on you, the interior of your home may have more severe issues within its structure that need to be dealt with quickly. You should call a roofing contractor now to inspect and fix whatever problems this could signify.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Moss</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Moss is a big problem in colder climates that experience freeze/thaw cycles. As it clings onto shingle roofs, moss can chip or break them up. If you haven’t been actively monitoring your roof, this can create hard-to-fix problems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The good news is there are ways to get rid of moss so your roof will be safe from breakage, and the moss won’t return for a few years.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-roofing-maintenance-tips\">Roofing maintenance tips&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Maintaining your roof is essential for ensuring its longevity and protecting your home from potential damage. Regular maintenance can help identify and address small issues before they escalate into more significant problems. Here are some practical roofing maintenance tips that homeowners can follow to keep their roofs in optimal condition:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Regularly clean gutters and downspouts</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Clogged gutters and downspouts can lead to water backup, causing water to overflow and seep under the roof’s edge. This can result in water damage to your roof, fascia, and even the interior of your home. To prevent this, clean your gutters and downspouts at least twice a year, ideally in the spring and fall. Remove leaves, debris, and other obstructions to ensure proper water flow.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Trim overhanging branches</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Trees with branches over your roof pose a potential risk, especially during storms or high winds. Falling branches can damage shingles, create punctures, or even break through the roof surface. Regularly trim back branches that come too close to your roof to reduce the risk of damage and keep your roof safe.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Conduct annual roof inspections</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Schedule a professional roof inspection at least once a year, preferably before the start of the rainy season. Roofing experts can identify minor issues developed over time and recommend necessary repairs. During the inspection, observe signs of damage, such as cracked or missing shingles, loose flashing, or deteriorated seals around vents and chimneys.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Address roof repairs promptly</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Take immediate action if you notice any signs of roof damage during your inspections or from the ground, such as curling shingles or visible leaks. Delaying repairs can lead to more extensive damage and costlier repairs. Contact a reputable roofing contractor to assess the issue and perform the necessary repairs immediately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Ensure proper attic ventilation</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Adequate attic ventilation is crucial for regulating temperature and moisture levels within your home. Proper ventilation helps prevent the formation of condensation, which can lead to mold growth and damage to the roof’s wooden structures. Make sure vents are free of obstructions and functioning correctly to promote a healthy attic environment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Check for signs of moss or algae growth</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Moss and algae can grow on the roof’s surface in humid and shaded areas, especially on asphalt shingles. These organisms can retain moisture and cause premature shingle deterioration. To prevent this, use zinc or copper strips along the roof ridge to inhibit moss and algae growth.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Check flashing and seals</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Regularly inspect flashing around chimneys, vents, and skylights for signs of damage or deterioration. Damaged flashing can lead to water penetration and roof leaks. Ensure that seals around these roof penetrations are tight and in good condition to prevent water from entering your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-when-is-it-time-to-replace-an-old-roof\">When is it time to replace an old roof?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>After time spent maintaining and avoiding future damage, replacing the roof often becomes worth the investment. Different homeowners have different needs or circumstances when to do this, though. Some reasons you might want to consider replacing your old roof:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">You’re in immediate danger</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Suppose your roof damage is so great that it’s in danger of caving in. You need to get a new one. Staying home won’t be safe if it isn’t properly repaired.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">You’re selling the house</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Potential homebuyers may be wary of purchasing a home with an old roof or one that has undergone significant repairs. Replacing your roof may also increase the house’s value, offsetting the new roof’s costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">It just makes economic sense</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Some roofing companies charge by square foot when doing a partial roof replacement. It will become cheaper to replace the entire thing at a certain point.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A partial roof replacement is most commonly used when fixing an issue with one or two specific shingles. Other savings include preventing damage from leaks and other weather-related problems, increased energy efficiency, and a longer lifespan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"h-faqs\"><strong>FAQs</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\">Will insurance cover a 20 year-old roof?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Having a newer roof could result in a reduced insurance rate. Roofs 20 or older might not qualify for coverage or may only be covered for their current cash value. Insurance companies generally seek roofs in good condition to be eligible for coverage without apparent wear or damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\">How to get insurance to pay for roof replacement?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>First, document the damage thoroughly. Next, review your insurance policy to understand what is covered. Then, proceed to&nbsp;file a claim with your insurance&nbsp;company. After that, you must wait for the insurance adjuster to assess the damage. Once the claim is approved, find a reputable roofing contractor to start the necessary roofing work.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-does-the-age-of-your-roof-affect-homeowners-insurance\">Does the age of your roof affect homeowners insurance?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The age of your roof does impact your home insurance policy premiums. The older your roof, the higher your insurance premiums will likely be. Some insurance policies only offer actual cash value rather than the replacement cost of your roof, so check what your homeowners insurance covers before you make a claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-can-you-get-homeowners-insurance-with-an-old-roof-in-florida\">Can you get homeowners insurance with an old roof in Florida?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Roof insurance is not state-specific, so you can get homeowners insurance in&nbsp;Florida&nbsp;even with an old roof. You’ll want to look into insurance coverage options regardless of location with an old roof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-how-do-insurance-companies-determine-the-age-of-your-roof\">How do insurance companies determine the age of your roof?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance companies look at when the roof was last replaced or repaired. A roof inspection will help them determine the age of your roof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-in-what-circumstance-would-a-property-insurance-claim-be-rejected\">In what circumstance would a property insurance claim be rejected?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Your insurance agent might not cover damage if it was caused due to negligence on your part. You should check your insurance policy for any other exclusions that may be in there.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-what-are-the-benefits-of-a-metal-roof\">What are the benefits of a metal roof?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The main benefit of a metal roof is its longevity. Compared to an asphalt roof with a lifespan of around 20 years, metal can last anywhere from 40-70 years, depending on which metal you choose.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-what-are-the-requirements-for-roof-replacement\">What are the requirements for roof replacement?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You can replace your roof whenever you want, but this is typically done if you have a&nbsp;bad or damaged roof. You may also want to switch the roof materials, such as moving from asphalt shingles to metal roofs. It also depends on the roof’s condition. Usually, if your roof is in good condition, you may not want to bother replacing it, as it can be pricey.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-how-much-would-a-new-roof-cost\">How much would a new roof cost?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>This depends on the roof type you choose to have. Asphalt shingles are typically the cheapest roof material, but you may have another roofing material in mind. It also depends on the shape of your chosen roof, for example, a hip roof, a gable roof, or a flat roof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-what-is-a-deductible\">What is a deductible?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You’ll&nbsp;pay your deductible amount&nbsp;before your homeowners insurance policy kicks in and covers the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-what-other-factors-affect-homeowners-insurance-rates\">What other factors affect homeowners insurance rates?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Other factors that impact home insurance premiums include location, age of the home, and if you have safety features. Some companies may offer&nbsp;discounts to people with safety features&nbsp;such as cameras and smart alarms.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-what-are-some-of-the-advantages-of-homeowners-insurance\">What are some of the advantages of homeowners insurance?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance is a type of insurance that protects the homeowner against financial losses&nbsp;caused by fire, theft, vandalism, and other risks. The main advantage of homeowners insurance is that you have peace of mind. You know you’re protected from the unexpected and can sleep soundly at night, knowing your home is safe.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-how-to-get-help-with-homeowners-insurance-with-an-old-roof\">How to get help with homeowners insurance with an old roof</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The most important thing about homeowners insurance is that it helps protect your property if something happens.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It covers anything from fire and wind damage to hail and vandalism. If your roof needs some repairs, then you can get a discount on your homeowners insurance by getting an inspection done on the roof before the policy starts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To check that you’re getting the best possible deal for your roof,&nbsp;compare rates&nbsp;and find the cheapest insurance policy for your needs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.agilerates.com/advice/home/homeowners-insurance-with-a-old-roof/\">click here</a>.</p>\n<!-- /wp:paragraph -->','How To Get Homeowners Insurance With An Old Roof','','inherit','closed','closed','','4110-revision-v1','','','2024-06-08 00:37:39','2024-06-08 00:37:39','',4110,'https://smartinsurance.tips/?p=4166',0,'revision','',0),(4167,1,'2024-06-11 17:55:03','2024-06-11 17:55:03','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4168,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/AI-for-Small-Businesses.png\" alt=\"\" class=\"wp-image-4168\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Small businesses can leverage artificial intelligence (AI) to enhance various aspects of their operations, from marketing and customer service to financial management and human resources. Here are some key ways small businesses can take advantage of AI:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">1.&nbsp;<strong>Marketing and Sales</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Automated Campaigns</strong>: AI tools like HubSpot\'s AI Marketing Hub can automate marketing campaigns, track performance, and optimize strategies based on data insights. This helps small businesses run more effective marketing efforts with less manual intervention<a href=\"https://www.uschamber.com/co/grow/marketing/ai-tools-for-small-business-marketing\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Content Creation</strong>: Tools like Jasper and MarketMuse can generate high-quality content for blogs, social media, and email marketing, saving time and ensuring consistency in messaging<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.mailmodo.com/guides/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Lead Generation</strong>: AI can identify and nurture leads through social media and other channels. For example, Zoho\'s Zia can manage leads, score them, and predict sales trends, helping businesses focus on the most promising prospects<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.mailmodo.com/guides/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">2.&nbsp;<strong>Customer Service</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Chatbots and Virtual Assistants</strong>: AI-powered chatbots like those offered by Intercom and Zendesk can handle common customer queries, freeing up human agents to deal with more complex issues. This improves response times and customer satisfaction<a href=\"https://www.orchestrate.com/blog/small-businesses-can-benefit-ai/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.guidantfinancial.com/blog/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>24/7 Support</strong>: AI enables round-the-clock customer support, ensuring that customer inquiries are addressed promptly, even outside of business hours<a href=\"https://blog.hubspot.com/sales/small-business-ai-tools\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">3.&nbsp;<strong>Operational Efficiency</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Task Automation</strong>: AI can automate repetitive tasks such as data entry, scheduling, and inventory management. Tools like Trello and ClickUp help streamline project management and collaboration, enhancing productivity<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://blog.hubspot.com/sales/small-business-ai-tools\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Financial Management</strong>: AI tools like QuickBooks and Xero can automate financial tasks, including transaction categorization and cash flow forecasting, reducing the risk of errors and saving time<a href=\"https://www.dialpad.com/blog/ai-tools-for-small-business/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">4.&nbsp;<strong>Human Resources</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Recruitment</strong>: AI tools like Sniper AI can streamline the hiring process by matching candidates\' resumes with job descriptions, reducing the time and cost associated with recruitment<a href=\"https://www.mailmodo.com/guides/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Employee Engagement</strong>: AI can analyze employee sentiment and performance, helping businesses identify and retain top talent while improving overall workplace satisfaction<a href=\"https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">5.&nbsp;<strong>Decision Making</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Data Analysis</strong>: AI can process large volumes of data to provide actionable insights, helping businesses make informed decisions. For example, IBM Cognos can analyze business data and generate reports that guide strategic planning<a href=\"https://www.guidantfinancial.com/blog/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Predictive Analytics</strong>: AI can forecast trends and outcomes, enabling businesses to anticipate market changes and adjust their strategies accordingly<a href=\"https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">6.&nbsp;<strong>Cost Savings</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Resource Optimization</strong>: By automating tasks and improving efficiency, AI helps small businesses reduce operational costs. This allows them to allocate resources to more critical areas such as innovation and growth<a href=\"https://www.orchestrate.com/blog/small-businesses-can-benefit-ai/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.uschamber.com/co/run/technology/how-ai-benefits-businesses\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Scalability</strong>: AI tools are often scalable, meaning small businesses can start with basic functionalities and expand as their needs grow, ensuring cost-effectiveness<a href=\"https://www.dialpad.com/blog/ai-tools-for-small-business/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Conclusion</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"fontSize\":\"medium\"} -->\n<p class=\"has-medium-font-size\">AI offers small businesses numerous opportunities to enhance efficiency, improve customer experiences, and make data-driven decisions. By integrating AI tools into their operations, small businesses can compete more effectively with larger companies and achieve sustainable growth.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For more detailed insights and examples of AI tools, you can refer to sources like Forbes, TechTarget, and the U.S. Chamber of Commerce<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.uschamber.com/co/grow/marketing/ai-tools-for-small-business-marketing\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Sources</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p><strong>[1]</strong> <a href=\"https://www.orchestrate.com/blog/small-businesses-can-benefit-ai/\" target=\"_blank\" rel=\"noreferrer noopener\">Orchestrate: Small Businesses Can Benefit AI</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[2]</strong> <a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\">Forbes: How Small Businesses Are Using AI</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[3]</strong> <a href=\"https://www.uschamber.com/co/run/technology/how-ai-benefits-businesses\" target=\"_blank\" rel=\"noreferrer noopener\">Uschamber: How AI Benefits Businesses</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[4]</strong> <a href=\"https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business\" target=\"_blank\" rel=\"noreferrer noopener\">Techtarget: 6 Key Benefits of AI For Business</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[5]</strong> <a href=\"https://www.mailmodo.com/guides/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\">Mailmodo: AI Tools for Small Businesses</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[6]</strong> <a href=\"https://www.dialpad.com/blog/ai-tools-for-small-business/\" target=\"_blank\" rel=\"noreferrer noopener\">Dialpad: AI Tools for Small Businesses</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[7]</strong> <a href=\"https://www.guidantfinancial.com/blog/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\">Guidantfinancial: AI Tools for Small Businesses</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[8]</strong> <a href=\"https://www.uschamber.com/co/grow/marketing/ai-tools-for-small-business-marketing\" target=\"_blank\" rel=\"noreferrer noopener\">Uschamber: AI Tools for Small Business Marketing</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[9]</strong> <a href=\"https://blog.hubspot.com/sales/small-business-ai-tools\" target=\"_blank\" rel=\"noreferrer noopener\">Hubspot: Small Business AI Tools</a></p>\n<!-- /wp:paragraph -->','How Can Small Businesses Take Advantage of AI','','publish','closed','closed','','how-can-small-businesses-take-advantage-of-ai','','','2024-06-11 18:36:39','2024-06-11 18:36:39','',0,'https://smartinsurance.tips/?p=4167',0,'post','',0),(4168,1,'2024-06-11 17:53:08','2024-06-11 17:53:08','','AI-for-Small-Businesses','','inherit','closed','closed','','ai-for-small-businesses','','','2024-06-11 17:53:08','2024-06-11 17:53:08','',4167,'http://smartinsurance.tips/wp-content/uploads/2024/06/AI-for-Small-Businesses.png',0,'attachment','image/png',0),(4169,1,'2024-06-11 17:55:03','2024-06-11 17:55:03','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4168,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/AI-for-Small-Businesses.png\" alt=\"\" class=\"wp-image-4168\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Small businesses can leverage artificial intelligence (AI) to enhance various aspects of their operations, from marketing and customer service to financial management and human resources. Here are some key ways small businesses can take advantage of AI:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">1.&nbsp;<strong>Marketing and Sales</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Automated Campaigns</strong>: AI tools like HubSpot\'s AI Marketing Hub can automate marketing campaigns, track performance, and optimize strategies based on data insights. This helps small businesses run more effective marketing efforts with less manual intervention<a href=\"https://www.uschamber.com/co/grow/marketing/ai-tools-for-small-business-marketing\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Content Creation</strong>: Tools like Jasper and MarketMuse can generate high-quality content for blogs, social media, and email marketing, saving time and ensuring consistency in messaging<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.mailmodo.com/guides/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Lead Generation</strong>: AI can identify and nurture leads through social media and other channels. For example, Zoho\'s Zia can manage leads, score them, and predict sales trends, helping businesses focus on the most promising prospects<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.mailmodo.com/guides/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">2.&nbsp;<strong>Customer Service</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Chatbots and Virtual Assistants</strong>: AI-powered chatbots like those offered by Intercom and Zendesk can handle common customer queries, freeing up human agents to deal with more complex issues. This improves response times and customer satisfaction<a href=\"https://www.orchestrate.com/blog/small-businesses-can-benefit-ai/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.guidantfinancial.com/blog/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>24/7 Support</strong>: AI enables round-the-clock customer support, ensuring that customer inquiries are addressed promptly, even outside of business hours<a href=\"https://blog.hubspot.com/sales/small-business-ai-tools\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">3.&nbsp;<strong>Operational Efficiency</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Task Automation</strong>: AI can automate repetitive tasks such as data entry, scheduling, and inventory management. Tools like Trello and ClickUp help streamline project management and collaboration, enhancing productivity<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://blog.hubspot.com/sales/small-business-ai-tools\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Financial Management</strong>: AI tools like QuickBooks and Xero can automate financial tasks, including transaction categorization and cash flow forecasting, reducing the risk of errors and saving time<a href=\"https://www.dialpad.com/blog/ai-tools-for-small-business/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">4.&nbsp;<strong>Human Resources</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Recruitment</strong>: AI tools like Sniper AI can streamline the hiring process by matching candidates\' resumes with job descriptions, reducing the time and cost associated with recruitment<a href=\"https://www.mailmodo.com/guides/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Employee Engagement</strong>: AI can analyze employee sentiment and performance, helping businesses identify and retain top talent while improving overall workplace satisfaction<a href=\"https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">5.&nbsp;<strong>Decision Making</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Data Analysis</strong>: AI can process large volumes of data to provide actionable insights, helping businesses make informed decisions. For example, IBM Cognos can analyze business data and generate reports that guide strategic planning<a href=\"https://www.guidantfinancial.com/blog/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Predictive Analytics</strong>: AI can forecast trends and outcomes, enabling businesses to anticipate market changes and adjust their strategies accordingly<a href=\"https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">6.&nbsp;<strong>Cost Savings</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Resource Optimization</strong>: By automating tasks and improving efficiency, AI helps small businesses reduce operational costs. This allows them to allocate resources to more critical areas such as innovation and growth<a href=\"https://www.orchestrate.com/blog/small-businesses-can-benefit-ai/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.uschamber.com/co/run/technology/how-ai-benefits-businesses\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Scalability</strong>: AI tools are often scalable, meaning small businesses can start with basic functionalities and expand as their needs grow, ensuring cost-effectiveness<a href=\"https://www.dialpad.com/blog/ai-tools-for-small-business/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Conclusion</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"fontSize\":\"medium\"} -->\n<p class=\"has-medium-font-size\">AI offers small businesses numerous opportunities to enhance efficiency, improve customer experiences, and make data-driven decisions. By integrating AI tools into their operations, small businesses can compete more effectively with larger companies and achieve sustainable growth.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For more detailed insights and examples of AI tools, you can refer to sources like Forbes, TechTarget, and the U.S. Chamber of Commerce<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.uschamber.com/co/grow/marketing/ai-tools-for-small-business-marketing\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.perplexity.ai/search/How-can-small-hGYhQzsbTpmjdmsGQjWbYA\">click here</a>.</p>\n<!-- /wp:paragraph -->','How Can Small Businesses Take Advantage of AI','','inherit','closed','closed','','4167-revision-v1','','','2024-06-11 17:55:03','2024-06-11 17:55:03','',4167,'https://smartinsurance.tips/?p=4169',0,'revision','',0),(4172,1,'2024-06-11 18:26:12','2024-06-11 18:26:12','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4173,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/rsz_1summer_job_-_highschool_kids-1024x682.png\" alt=\"\" class=\"wp-image-4173\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>High school students looking for summer jobs have several effective strategies and resources at their disposal:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Online Job Boards</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Indeed and Glassdoor</strong>: These platforms are popular for finding entry-level positions. Students can apply to various job listings and set up alerts for new opportunities<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.indeed.com/career-advice/finding-a-job/where-to-find-summer-jobs-for-high-school-students\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>ZipRecruiter</strong>: This site lists numerous job opportunities specifically for high school students in various locations, including California<a href=\"https://www.ziprecruiter.com/Jobs/High-School-Students-Summer/--in-California\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Student-Specific Job Boards</strong>: Websites like the San Diego Unified School District\'s Student Job Board offer tailored job and internship opportunities for students<a href=\"https://www.sandiegounified.org/academics/work_permits/student_job_board\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Local Resources</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>School Programs</strong>: Many high schools have career centers or programs that help students find summer jobs. Guidance counselors and teachers can be valuable resources for job leads and application assistance<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://joinhomebase.com/blog/hiring-students-for-the-summer-make-a-splash-with-these-hot-tips/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Local Businesses</strong>: Students can directly approach local businesses such as fast food restaurants, retail stores, and community centers to inquire about summer job openings<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Specialized Programs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Summer Youth Employment Programs (SYEP)</strong>: These programs, often funded by local governments, provide structured job opportunities for students. For example, New York City\'s SYEP offers paid summer jobs for students<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Internship Programs</strong>: Some cities and organizations offer paid internships specifically for high school students, providing both work experience and financial compensation<a href=\"https://www.ziprecruiter.com/Jobs/High-School-Students-Summer/--in-California\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Networking and Personal Outreach</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Networking</strong>: Students can leverage their personal networks, including family, friends, and community members, to find job opportunities. Word-of-mouth can often lead to job openings that are not advertised publicly<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Resume Distribution</strong>: Printing and distributing resumes to local businesses, especially in busy areas like malls, can be an effective way to find a job<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Tips for Success</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Prepare a Resume</strong>: Even for entry-level jobs, having a well-prepared resume can make a strong impression. Including any volunteer work, extracurricular activities, and relevant skills is beneficial<a href=\"https://www.indeed.com/career-advice/finding-a-job/where-to-find-summer-jobs-for-high-school-students\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Be Open-Minded</strong>: Students should be open to various types of jobs, including those that may not be their first choice, as all work experience is valuable<a href=\"https://www.indeed.com/career-advice/finding-a-job/where-to-find-summer-jobs-for-high-school-students\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Professionalism</strong>: Treat each job application and interview with professionalism, as summer jobs can lead to better opportunities and even full-time positions in the future<a href=\"https://www.indeed.com/career-advice/finding-a-job/best-summer-jobs-for-high-school-students\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>By utilizing these strategies and resources, high school students can effectively find and secure summer jobs that provide valuable work experience and income.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Sources</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p><strong>[1]</strong> <a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\">Reddit: How Do You Find Summer Jobs as a High School</a><br><strong>[2]</strong> <a href=\"https://joinhomebase.com/blog/hiring-students-for-the-summer-make-a-splash-with-these-hot-tips/\">Joinhomebase: Hiring Students for the Summer</a><br><strong>[3]</strong> <a href=\"https://www.indeed.com/career-advice/finding-a-job/where-to-find-summer-jobs-for-high-school-students\">Indeed: Where to Find Summer Jobs for Highschool Students</a><br><strong>[4]</strong> <a href=\"https://www.indeed.com/career-advice/finding-a-job/best-summer-jobs-for-high-school-students\">Indeed: Best Summer Jobs for Highschool Students</a><br><strong>[5] </strong><a href=\"https://www.clemmonscourier.net/2023/03/02/tips-for-summer-job-seekers-for-high-school-students/\">Clemmonscourier: Tips for Summer Job Seekers for Highschool Students</a><br><strong>[6]</strong> <a href=\"https://www.ziprecruiter.com/Jobs/High-School-Students-Summer/--in-California\">Ziprecruiter: Jobs for Highschool Students - Summer in California</a><br><strong>[7]</strong> <a href=\"https://www.sandiegounified.org/academics/work_permits/student_job_board\">Sandiegounified: Student Job Board</a><br><strong>[8]</strong> <a href=\"https://www.indeed.com/q-high-school-summer-l-california-jobs.html\">Indeed: Highschool Summer California Jobs</a><br><strong>[9] </strong><a href=\"https://www.indeed.com/q-part-time-high-school-student-l-california-jobs.html\">Indeed: Part-time Highschool Student California Jobs</a></p>\n<!-- /wp:paragraph -->','What Are The Best Ways For Highschool Kids to Find a Summer Job?','','publish','closed','closed','','what-are-the-best-ways-for-highschool-kids-to-find-a-summer-job','','','2024-06-11 18:32:38','2024-06-11 18:32:38','',0,'https://smartinsurance.tips/?p=4172',0,'post','',0),(4173,1,'2024-06-11 18:24:43','2024-06-11 18:24:43','','rsz_1summer_job_-_highschool_kids','','inherit','closed','closed','','rsz_1summer_job_-_highschool_kids','','','2024-06-11 18:24:43','2024-06-11 18:24:43','',4172,'http://smartinsurance.tips/wp-content/uploads/2024/06/rsz_1summer_job_-_highschool_kids.png',0,'attachment','image/png',0),(4174,1,'2024-06-11 18:26:12','2024-06-11 18:26:12','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4173,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/rsz_1summer_job_-_highschool_kids-1024x682.png\" alt=\"\" class=\"wp-image-4173\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>High school students looking for summer jobs have several effective strategies and resources at their disposal:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Online Job Boards</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Indeed and Glassdoor</strong>: These platforms are popular for finding entry-level positions. Students can apply to various job listings and set up alerts for new opportunities<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.indeed.com/career-advice/finding-a-job/where-to-find-summer-jobs-for-high-school-students\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>ZipRecruiter</strong>: This site lists numerous job opportunities specifically for high school students in various locations, including California<a href=\"https://www.ziprecruiter.com/Jobs/High-School-Students-Summer/--in-California\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Student-Specific Job Boards</strong>: Websites like the San Diego Unified School District\'s Student Job Board offer tailored job and internship opportunities for students<a href=\"https://www.sandiegounified.org/academics/work_permits/student_job_board\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Local Resources</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>School Programs</strong>: Many high schools have career centers or programs that help students find summer jobs. Guidance counselors and teachers can be valuable resources for job leads and application assistance<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://joinhomebase.com/blog/hiring-students-for-the-summer-make-a-splash-with-these-hot-tips/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Local Businesses</strong>: Students can directly approach local businesses such as fast food restaurants, retail stores, and community centers to inquire about summer job openings<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Specialized Programs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Summer Youth Employment Programs (SYEP)</strong>: These programs, often funded by local governments, provide structured job opportunities for students. For example, New York City\'s SYEP offers paid summer jobs for students<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Internship Programs</strong>: Some cities and organizations offer paid internships specifically for high school students, providing both work experience and financial compensation<a href=\"https://www.ziprecruiter.com/Jobs/High-School-Students-Summer/--in-California\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Networking and Personal Outreach</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Networking</strong>: Students can leverage their personal networks, including family, friends, and community members, to find job opportunities. Word-of-mouth can often lead to job openings that are not advertised publicly<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Resume Distribution</strong>: Printing and distributing resumes to local businesses, especially in busy areas like malls, can be an effective way to find a job<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Tips for Success</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Prepare a Resume</strong>: Even for entry-level jobs, having a well-prepared resume can make a strong impression. Including any volunteer work, extracurricular activities, and relevant skills is beneficial<a href=\"https://www.indeed.com/career-advice/finding-a-job/where-to-find-summer-jobs-for-high-school-students\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Be Open-Minded</strong>: Students should be open to various types of jobs, including those that may not be their first choice, as all work experience is valuable<a href=\"https://www.indeed.com/career-advice/finding-a-job/where-to-find-summer-jobs-for-high-school-students\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Professionalism</strong>: Treat each job application and interview with professionalism, as summer jobs can lead to better opportunities and even full-time positions in the future<a href=\"https://www.indeed.com/career-advice/finding-a-job/best-summer-jobs-for-high-school-students\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>By utilizing these strategies and resources, high school students can effectively find and secure summer jobs that provide valuable work experience and income.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Sources</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p><strong>[1]</strong> https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/<br><strong>[2]</strong> https://joinhomebase.com/blog/hiring-students-for-the-summer-make-a-splash-with-these-hot-tips/<br><strong>[3]</strong> https://www.indeed.com/career-advice/finding-a-job/where-to-find-summer-jobs-for-high-school-students<br><strong>[4]</strong> https://www.indeed.com/career-advice/finding-a-job/best-summer-jobs-for-high-school-students<br><strong>[5] </strong>https://www.clemmonscourier.net/2023/03/02/tips-for-summer-job-seekers-for-high-school-students/<br><strong>[6]</strong> https://www.ziprecruiter.com/Jobs/High-School-Students-Summer/--in-California<br><strong>[7]</strong> https://www.sandiegounified.org/academics/work_permits/student_job_board<br><strong>[8]</strong> https://www.indeed.com/q-high-school-summer-l-california-jobs.html<br><strong>[9] </strong>https://www.indeed.com/q-part-time-high-school-student-l-california-jobs.html</p>\n<!-- /wp:paragraph -->','What Are The Best Ways For Highschool Kids to Find a Summer Job?','','inherit','closed','closed','','4172-revision-v1','','','2024-06-11 18:26:12','2024-06-11 18:26:12','',4172,'https://smartinsurance.tips/?p=4174',0,'revision','',0),(4178,1,'2024-06-11 18:36:37','2024-06-11 18:36:37','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4168,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/AI-for-Small-Businesses.png\" alt=\"\" class=\"wp-image-4168\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Small businesses can leverage artificial intelligence (AI) to enhance various aspects of their operations, from marketing and customer service to financial management and human resources. Here are some key ways small businesses can take advantage of AI:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">1.&nbsp;<strong>Marketing and Sales</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Automated Campaigns</strong>: AI tools like HubSpot\'s AI Marketing Hub can automate marketing campaigns, track performance, and optimize strategies based on data insights. This helps small businesses run more effective marketing efforts with less manual intervention<a href=\"https://www.uschamber.com/co/grow/marketing/ai-tools-for-small-business-marketing\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Content Creation</strong>: Tools like Jasper and MarketMuse can generate high-quality content for blogs, social media, and email marketing, saving time and ensuring consistency in messaging<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.mailmodo.com/guides/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Lead Generation</strong>: AI can identify and nurture leads through social media and other channels. For example, Zoho\'s Zia can manage leads, score them, and predict sales trends, helping businesses focus on the most promising prospects<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.mailmodo.com/guides/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">2.&nbsp;<strong>Customer Service</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Chatbots and Virtual Assistants</strong>: AI-powered chatbots like those offered by Intercom and Zendesk can handle common customer queries, freeing up human agents to deal with more complex issues. This improves response times and customer satisfaction<a href=\"https://www.orchestrate.com/blog/small-businesses-can-benefit-ai/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.guidantfinancial.com/blog/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>24/7 Support</strong>: AI enables round-the-clock customer support, ensuring that customer inquiries are addressed promptly, even outside of business hours<a href=\"https://blog.hubspot.com/sales/small-business-ai-tools\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">3.&nbsp;<strong>Operational Efficiency</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Task Automation</strong>: AI can automate repetitive tasks such as data entry, scheduling, and inventory management. Tools like Trello and ClickUp help streamline project management and collaboration, enhancing productivity<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://blog.hubspot.com/sales/small-business-ai-tools\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Financial Management</strong>: AI tools like QuickBooks and Xero can automate financial tasks, including transaction categorization and cash flow forecasting, reducing the risk of errors and saving time<a href=\"https://www.dialpad.com/blog/ai-tools-for-small-business/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">4.&nbsp;<strong>Human Resources</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Recruitment</strong>: AI tools like Sniper AI can streamline the hiring process by matching candidates\' resumes with job descriptions, reducing the time and cost associated with recruitment<a href=\"https://www.mailmodo.com/guides/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Employee Engagement</strong>: AI can analyze employee sentiment and performance, helping businesses identify and retain top talent while improving overall workplace satisfaction<a href=\"https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">5.&nbsp;<strong>Decision Making</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Data Analysis</strong>: AI can process large volumes of data to provide actionable insights, helping businesses make informed decisions. For example, IBM Cognos can analyze business data and generate reports that guide strategic planning<a href=\"https://www.guidantfinancial.com/blog/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Predictive Analytics</strong>: AI can forecast trends and outcomes, enabling businesses to anticipate market changes and adjust their strategies accordingly<a href=\"https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">6.&nbsp;<strong>Cost Savings</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Resource Optimization</strong>: By automating tasks and improving efficiency, AI helps small businesses reduce operational costs. This allows them to allocate resources to more critical areas such as innovation and growth<a href=\"https://www.orchestrate.com/blog/small-businesses-can-benefit-ai/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.uschamber.com/co/run/technology/how-ai-benefits-businesses\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Scalability</strong>: AI tools are often scalable, meaning small businesses can start with basic functionalities and expand as their needs grow, ensuring cost-effectiveness<a href=\"https://www.dialpad.com/blog/ai-tools-for-small-business/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Conclusion</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"fontSize\":\"medium\"} -->\n<p class=\"has-medium-font-size\">AI offers small businesses numerous opportunities to enhance efficiency, improve customer experiences, and make data-driven decisions. By integrating AI tools into their operations, small businesses can compete more effectively with larger companies and achieve sustainable growth.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For more detailed insights and examples of AI tools, you can refer to sources like Forbes, TechTarget, and the U.S. Chamber of Commerce<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.uschamber.com/co/grow/marketing/ai-tools-for-small-business-marketing\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Sources</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p><strong>[1]</strong> <a href=\"https://www.orchestrate.com/blog/small-businesses-can-benefit-ai/\" target=\"_blank\" rel=\"noreferrer noopener\">Orchestrate: Small Businesses Can Benefit AI</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[2]</strong> <a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\">Forbes: How Small Businesses Are Using AI</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[3]</strong> <a href=\"https://www.uschamber.com/co/run/technology/how-ai-benefits-businesses\" target=\"_blank\" rel=\"noreferrer noopener\">Uschamber: How AI Benefits Businesses</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[4]</strong> <a href=\"https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business\" target=\"_blank\" rel=\"noreferrer noopener\">Techtarget: 6 Key Benefits of AI For Business</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[5]</strong> <a href=\"https://www.mailmodo.com/guides/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\">Mailmodo: AI Tools for Small Businesses</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[6]</strong> <a href=\"https://www.dialpad.com/blog/ai-tools-for-small-business/\" target=\"_blank\" rel=\"noreferrer noopener\">Dialpad: AI Tools for Small Businesses</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[7]</strong> <a href=\"https://www.guidantfinancial.com/blog/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\">Guidantfinancial: AI Tools for Small Businesses</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[8]</strong> <a href=\"https://www.uschamber.com/co/grow/marketing/ai-tools-for-small-business-marketing\" target=\"_blank\" rel=\"noreferrer noopener\">Uschamber: AI Tools for Small Business Marketing</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[9]</strong> <a href=\"https://blog.hubspot.com/sales/small-business-ai-tools\" target=\"_blank\" rel=\"noreferrer noopener\">Hubspot: Small Business AI Tools</a></p>\n<!-- /wp:paragraph -->','How Can Small Businesses Take Advantage of AI','','inherit','closed','closed','','4167-revision-v1','','','2024-06-11 18:36:37','2024-06-11 18:36:37','',4167,'https://smartinsurance.tips/?p=4178',0,'revision','',0),(4171,1,'2024-06-11 18:04:17','2024-06-11 18:04:17','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4168,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/AI-for-Small-Businesses.png\" alt=\"\" class=\"wp-image-4168\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Small businesses can leverage artificial intelligence (AI) to enhance various aspects of their operations, from marketing and customer service to financial management and human resources. Here are some key ways small businesses can take advantage of AI:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">1.&nbsp;<strong>Marketing and Sales</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Automated Campaigns</strong>: AI tools like HubSpot\'s AI Marketing Hub can automate marketing campaigns, track performance, and optimize strategies based on data insights. This helps small businesses run more effective marketing efforts with less manual intervention<a href=\"https://www.uschamber.com/co/grow/marketing/ai-tools-for-small-business-marketing\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Content Creation</strong>: Tools like Jasper and MarketMuse can generate high-quality content for blogs, social media, and email marketing, saving time and ensuring consistency in messaging<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.mailmodo.com/guides/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Lead Generation</strong>: AI can identify and nurture leads through social media and other channels. For example, Zoho\'s Zia can manage leads, score them, and predict sales trends, helping businesses focus on the most promising prospects<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.mailmodo.com/guides/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">2.&nbsp;<strong>Customer Service</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Chatbots and Virtual Assistants</strong>: AI-powered chatbots like those offered by Intercom and Zendesk can handle common customer queries, freeing up human agents to deal with more complex issues. This improves response times and customer satisfaction<a href=\"https://www.orchestrate.com/blog/small-businesses-can-benefit-ai/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.guidantfinancial.com/blog/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>24/7 Support</strong>: AI enables round-the-clock customer support, ensuring that customer inquiries are addressed promptly, even outside of business hours<a href=\"https://blog.hubspot.com/sales/small-business-ai-tools\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">3.&nbsp;<strong>Operational Efficiency</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Task Automation</strong>: AI can automate repetitive tasks such as data entry, scheduling, and inventory management. Tools like Trello and ClickUp help streamline project management and collaboration, enhancing productivity<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://blog.hubspot.com/sales/small-business-ai-tools\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Financial Management</strong>: AI tools like QuickBooks and Xero can automate financial tasks, including transaction categorization and cash flow forecasting, reducing the risk of errors and saving time<a href=\"https://www.dialpad.com/blog/ai-tools-for-small-business/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">4.&nbsp;<strong>Human Resources</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Recruitment</strong>: AI tools like Sniper AI can streamline the hiring process by matching candidates\' resumes with job descriptions, reducing the time and cost associated with recruitment<a href=\"https://www.mailmodo.com/guides/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Employee Engagement</strong>: AI can analyze employee sentiment and performance, helping businesses identify and retain top talent while improving overall workplace satisfaction<a href=\"https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">5.&nbsp;<strong>Decision Making</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Data Analysis</strong>: AI can process large volumes of data to provide actionable insights, helping businesses make informed decisions. For example, IBM Cognos can analyze business data and generate reports that guide strategic planning<a href=\"https://www.guidantfinancial.com/blog/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Predictive Analytics</strong>: AI can forecast trends and outcomes, enabling businesses to anticipate market changes and adjust their strategies accordingly<a href=\"https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">6.&nbsp;<strong>Cost Savings</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Resource Optimization</strong>: By automating tasks and improving efficiency, AI helps small businesses reduce operational costs. This allows them to allocate resources to more critical areas such as innovation and growth<a href=\"https://www.orchestrate.com/blog/small-businesses-can-benefit-ai/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.uschamber.com/co/run/technology/how-ai-benefits-businesses\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Scalability</strong>: AI tools are often scalable, meaning small businesses can start with basic functionalities and expand as their needs grow, ensuring cost-effectiveness<a href=\"https://www.dialpad.com/blog/ai-tools-for-small-business/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Conclusion</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"fontSize\":\"medium\"} -->\n<p class=\"has-medium-font-size\">AI offers small businesses numerous opportunities to enhance efficiency, improve customer experiences, and make data-driven decisions. By integrating AI tools into their operations, small businesses can compete more effectively with larger companies and achieve sustainable growth.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For more detailed insights and examples of AI tools, you can refer to sources like Forbes, TechTarget, and the U.S. Chamber of Commerce<a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.uschamber.com/co/grow/marketing/ai-tools-for-small-business-marketing\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Sources</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p><strong>[1]</strong> <a href=\"https://www.orchestrate.com/blog/small-businesses-can-benefit-ai/\" target=\"_blank\" rel=\"noreferrer noopener\">https://www.orchestrate.com/blog/small-businesses-can-benefit-ai/</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[2]</strong> <a href=\"https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/\" target=\"_blank\" rel=\"noreferrer noopener\">https://www.forbes.com/sites/allbusiness/2023/11/17/how-small-businesses-are-using-ai-and-how-your-business-can-benefit-too/</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[3]</strong> <a href=\"https://www.uschamber.com/co/run/technology/how-ai-benefits-businesses\" target=\"_blank\" rel=\"noreferrer noopener\">https://www.uschamber.com/co/run/technology/how-ai-benefits-businesses</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[4]</strong> <a href=\"https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business\" target=\"_blank\" rel=\"noreferrer noopener\">https://www.techtarget.com/searchenterpriseai/feature/6-key-benefits-of-AI-for-business</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[5]</strong> <a href=\"https://www.mailmodo.com/guides/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\">https://www.mailmodo.com/guides/ai-tools-for-small-businesses/</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[6]</strong> <a href=\"https://www.dialpad.com/blog/ai-tools-for-small-business/\" target=\"_blank\" rel=\"noreferrer noopener\">https://www.dialpad.com/blog/ai-tools-for-small-business/</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[7]</strong> <a href=\"https://www.guidantfinancial.com/blog/ai-tools-for-small-businesses/\" target=\"_blank\" rel=\"noreferrer noopener\">https://www.guidantfinancial.com/blog/ai-tools-for-small-businesses/</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[8]</strong> <a href=\"https://www.uschamber.com/co/grow/marketing/ai-tools-for-small-business-marketing\" target=\"_blank\" rel=\"noreferrer noopener\">https://www.uschamber.com/co/grow/marketing/ai-tools-for-small-business-marketing</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>[9]</strong> <a href=\"https://blog.hubspot.com/sales/small-business-ai-tools\" target=\"_blank\" rel=\"noreferrer noopener\">https://blog.hubspot.com/sales/small-business-ai-tools</a></p>\n<!-- /wp:paragraph -->','How Can Small Businesses Take Advantage of AI','','inherit','closed','closed','','4167-revision-v1','','','2024-06-11 18:04:17','2024-06-11 18:04:17','',4167,'https://smartinsurance.tips/?p=4171',0,'revision','',0),(4176,1,'2024-06-11 18:32:36','2024-06-11 18:32:36','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4173,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/rsz_1summer_job_-_highschool_kids-1024x682.png\" alt=\"\" class=\"wp-image-4173\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>High school students looking for summer jobs have several effective strategies and resources at their disposal:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Online Job Boards</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Indeed and Glassdoor</strong>: These platforms are popular for finding entry-level positions. Students can apply to various job listings and set up alerts for new opportunities<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://www.indeed.com/career-advice/finding-a-job/where-to-find-summer-jobs-for-high-school-students\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>ZipRecruiter</strong>: This site lists numerous job opportunities specifically for high school students in various locations, including California<a href=\"https://www.ziprecruiter.com/Jobs/High-School-Students-Summer/--in-California\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Student-Specific Job Boards</strong>: Websites like the San Diego Unified School District\'s Student Job Board offer tailored job and internship opportunities for students<a href=\"https://www.sandiegounified.org/academics/work_permits/student_job_board\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Local Resources</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>School Programs</strong>: Many high schools have career centers or programs that help students find summer jobs. Guidance counselors and teachers can be valuable resources for job leads and application assistance<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a><a href=\"https://joinhomebase.com/blog/hiring-students-for-the-summer-make-a-splash-with-these-hot-tips/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Local Businesses</strong>: Students can directly approach local businesses such as fast food restaurants, retail stores, and community centers to inquire about summer job openings<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Specialized Programs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Summer Youth Employment Programs (SYEP)</strong>: These programs, often funded by local governments, provide structured job opportunities for students. For example, New York City\'s SYEP offers paid summer jobs for students<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Internship Programs</strong>: Some cities and organizations offer paid internships specifically for high school students, providing both work experience and financial compensation<a href=\"https://www.ziprecruiter.com/Jobs/High-School-Students-Summer/--in-California\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Networking and Personal Outreach</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Networking</strong>: Students can leverage their personal networks, including family, friends, and community members, to find job opportunities. Word-of-mouth can often lead to job openings that are not advertised publicly<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Resume Distribution</strong>: Printing and distributing resumes to local businesses, especially in busy areas like malls, can be an effective way to find a job<a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Tips for Success</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Prepare a Resume</strong>: Even for entry-level jobs, having a well-prepared resume can make a strong impression. Including any volunteer work, extracurricular activities, and relevant skills is beneficial<a href=\"https://www.indeed.com/career-advice/finding-a-job/where-to-find-summer-jobs-for-high-school-students\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Be Open-Minded</strong>: Students should be open to various types of jobs, including those that may not be their first choice, as all work experience is valuable<a href=\"https://www.indeed.com/career-advice/finding-a-job/where-to-find-summer-jobs-for-high-school-students\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Professionalism</strong>: Treat each job application and interview with professionalism, as summer jobs can lead to better opportunities and even full-time positions in the future<a href=\"https://www.indeed.com/career-advice/finding-a-job/best-summer-jobs-for-high-school-students\" target=\"_blank\" rel=\"noreferrer noopener\"></a>.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>By utilizing these strategies and resources, high school students can effectively find and secure summer jobs that provide valuable work experience and income.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Sources</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p><strong>[1]</strong> <a href=\"https://www.reddit.com/r/summerprogramresults/comments/waf70o/how_do_you_find_summer_jobs_as_a_high_school/\">Reddit: How Do You Find Summer Jobs as a High School</a><br><strong>[2]</strong> <a href=\"https://joinhomebase.com/blog/hiring-students-for-the-summer-make-a-splash-with-these-hot-tips/\">Joinhomebase: Hiring Students for the Summer</a><br><strong>[3]</strong> <a href=\"https://www.indeed.com/career-advice/finding-a-job/where-to-find-summer-jobs-for-high-school-students\">Indeed: Where to Find Summer Jobs for Highschool Students</a><br><strong>[4]</strong> <a href=\"https://www.indeed.com/career-advice/finding-a-job/best-summer-jobs-for-high-school-students\">Indeed: Best Summer Jobs for Highschool Students</a><br><strong>[5] </strong><a href=\"https://www.clemmonscourier.net/2023/03/02/tips-for-summer-job-seekers-for-high-school-students/\">Clemmonscourier: Tips for Summer Job Seekers for Highschool Students</a><br><strong>[6]</strong> <a href=\"https://www.ziprecruiter.com/Jobs/High-School-Students-Summer/--in-California\">Ziprecruiter: Jobs for Highschool Students - Summer in California</a><br><strong>[7]</strong> <a href=\"https://www.sandiegounified.org/academics/work_permits/student_job_board\">Sandiegounified: Student Job Board</a><br><strong>[8]</strong> <a href=\"https://www.indeed.com/q-high-school-summer-l-california-jobs.html\">Indeed: Highschool Summer California Jobs</a><br><strong>[9] </strong><a href=\"https://www.indeed.com/q-part-time-high-school-student-l-california-jobs.html\">Indeed: Part-time Highschool Student California Jobs</a></p>\n<!-- /wp:paragraph -->','What Are The Best Ways For Highschool Kids to Find a Summer Job?','','inherit','closed','closed','','4172-revision-v1','','','2024-06-11 18:32:36','2024-06-11 18:32:36','',4172,'https://smartinsurance.tips/?p=4176',0,'revision','',0),(4188,1,'2024-06-30 23:47:27','2024-06-30 23:47:27','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4187,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-58-1024x1024.png\" alt=\"\" class=\"wp-image-4187\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Key takeaways</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A secured credit card requires you to put down a deposit that will mitigate the risk that you will not make your payment</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>These cards typically come with low credit lines and high interest rates</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Once you use a secured card credit card to build up your credit, you could move up to an unsecured card that might offer a higher credit limit</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>If you have bad credit, you’re probably looking for ways to build your credit as quickly as possible. Using a secured credit card to build credit is something to consider.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Secured credit cards provide you with a small line of credit in exchange for an affordable, refundable security deposit. Secured cards are one of the best ways to build credit if you have a low credit score or a limited credit history. But you have to know how to use a secured credit card to build credit if you want to get the most out of these credit-boosting tools.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>How do you build credit using a secured card — and how quickly can you do it? Let’s take a look at how secured credit cards work, how you can use one to raise your credit score and how to choose the best secured credit card for your financial situation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"what\">What is a secured credit card?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A secured credit card offers many of the benefits and protections of a standard credit card — but you have to put down a security deposit first. Why? Well, if you have poor credit or a limited credit history, lenders might wonder if you are going to be a risky borrower. Putting down a security deposit gives your lender some protection in case you default on your credit obligations. If you manage your line of credit responsibly, you’ll get your security deposit refunded in full.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>How much will your security deposit be? It depends. Some secured credit cards allow you to open a line of credit after making a deposit of less than $50. However, most cards require you to match your credit line with an equivalent deposit — so if you want a $500 line of credit, for example, you’ll need to pay a $500 deposit. This is one factor to keep in mind as you decide which secured credit card is best for you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>People often use secured credit cards as a way to build their credit scores. In most cases, secured cards come with low credit limits and high interest rates. This makes it difficult to use secured credit cards to finance large purchases — and very expensive if you decide to carry a balance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"use\">How to use a secured credit card to build credit</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Do secured credit cards build credit? Yes, depending on how you use them. If you want to know how to build credit with a secured card, you’re going to need to understand the fundamentals of building good credit: making on-time payments, keeping your balances low and paying off your debts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Building credit with a secured credit card is all about practicing those three habits. Use your secured card to make small everyday purchases and pay your statement balance in full every month. Avoid maxing out your credit card and try to pay down any debts you had before you took out your secured card. The more work you put into actively building your credit, the faster you’ll achieve a good credit score.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"score\">How much will a secured credit card raise my score?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>How much will a secured credit card raise your score? While we can’t say for sure how much your credit score might improve, we can tell you that using a secured card can boost your credit score relatively quickly — think “under six months” — especially if you focus on the five factors that make up your credit score:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Payment history</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Credit utilization</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Length of credit history</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Credit mix</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>New credit</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>If you want to start building credit with a secured card, make on-time payments every month. Maintain a good credit utilization ratio by keeping your debts low and paying off your balances. Avoid unnecessary hard credit inquiries that can lower your credit score. As your credit improves, so will your length of credit history — and as you become eligible for more lines of credit, you’ll be able to build the credit mix that might someday help you earn a perfect credit score.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"upgrade\">When to upgrade to an unsecured credit card</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>When should you switch from a secured credit card to an unsecured credit card? In some cases, your credit card issuer will automatically transition you to an unsecured credit card after you’ve proven you can use your secured credit card responsibly. If you have the Discover it® Secured Credit Card, for example, it’s possible to graduate to an unsecured Discover card with just seven months of good payment behavior. When a credit issuer upgrades you from a secured card to an unsecured card, your security deposit will be refunded — and you may even receive a higher line of credit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In other cases, you’ll need to close out your secured credit card before you can receive your security deposit back, and you may need to apply for an unsecured credit card on your own. Read the fine print before you apply for a secured credit card to learn exactly what the rules are regarding security deposit refunds and graduating to an unsecured card.<strong> </strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If your credit card issuer doesn’t automatically consider you for an unsecured credit card, how do you know when it’s time to apply for one on your own? Start by getting at least six months of positive credit habits under your belt. Check your credit score on a regular basis to ensure it’s moving in the right direction and review your credit report to make sure all of the information is accurate.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If your credit history has improved, it might be worth applying for one of the best credit cards for people with bad credit — or, depending on your new credit score, one of the best credit cards for people with fair credit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">The bottom line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Building credit with a secured credit card is an important step in getting your finances back on track. Use these tips to help you establish a positive credit history, transition to an unsecured credit card and work your way toward all of the benefits that good credit has to offer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.bankrate.com/personal-finance/credit/build-credit-with-secured-credit-card/#upgrade\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Build Credit with a Secured Credit Card','','inherit','closed','closed','','4186-revision-v1','','','2024-06-30 23:47:27','2024-06-30 23:47:27','',4186,'https://smartinsurance.tips/?p=4188',0,'revision','',0),(4189,1,'2024-06-30 23:52:11','2024-06-30 23:52:11','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4190,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-62-1-1024x1024.png\" alt=\"\" class=\"wp-image-4190\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0\">Wouldn’t it be nice if there were a magic formula or simple trick that allowed you never to have to worry about money or manage your finances again?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-2\">While that may not be realistic, there are some simple things you can do right now to improve your money situation. Try these five steps for successfully managing your personal finances. Another bonus? If you stick to these five tips, your financial problems may start to diminish, and you can start reaping the rewards of lower debt, saving for the future, and a solid credit score.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-4\">Detail Your Financial Goals</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-5\">Take some time to write specific, long-term financial goals. You may want to take a month-long trip to Europe, buy an investment property, or retire early. All of these goals will affect how you plan your finances. For example, your goal to retire early is dependent on how well you save your money now. Other goals, including homeownership, starting a family, moving, or changing careers, will all be affected by how you manage your finances.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-7\">Once you have written down your financial goals, prioritize them. This organizational process ensures that you are paying the most attention to the ones that are of the highest importance to you. You can also list them in the order you want to achieve them, but a long-term goal like saving for retirement requires you to work towards it while also working on your other goals.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-9\">Below are some tips on how to get clear on your financial goals:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-11\"><!-- wp:list-item -->\n<li>Set long-term goals like getting out of debt, buying a home, or retiring early. These goals are separate from your short-term goals such as saving for a nice date night.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Set short-term goals, like following a budget, decreasing your spending, paying down, or not using your credit cards.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Prioritize your goals to help you create a financial plan.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-13\">Flesh out Your Plan</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-14\">A financial plan is essential in helping you reach your financial goals. The plan should have multiple steps or milestones. A sample plan might include creating a monthly budget and spending plan, then getting out of debt.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-16\">Once you’ve accomplished these three things and have followed through on your new plan for a few months, you may find that you have extra cash, and the money you free up from your debt payments can be used to reach your next round of goals.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-18\">Again, it\'s key to decide what priorities are most important to you. Keep steadily working toward your long-term retirement goals, but also start to focus on the most important near-term goals you have set for yourself. Do you want to take an extravagant trip? Start investing? Buy a home or build your own business? These are all things to consider when deciding on your next step.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-20\">Your goals, along with an emergency fund, will help you stop making financial decisions based on fear and help you get control of your situation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-22\">When creating a financial plan, remember these things:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-24\"><!-- wp:list-item -->\n<li>Your budget is key to success. It is the tool that will give you the most control of your financial future. Your budget is the key to achieving the rest of your plan.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>You should keep contributing to long-term goals, like saving for retirement, no matter what your financial plan stage is.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Building an emergency fund is another key factor in financial success and stress reduction.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-26\">Make and Stick to a Budget</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-27\">Your budget is one of the biggest tools that will help you succeed financially. It allows you to create a spending plan so you can allocate your money in a way that will help you to reach your goals.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-29\">You can make your budget as high-level or detailed as you want, as long as it helps you reach your ultimate goal of spending less than you earn, paying off any debts, padding your emergency fund, and saving for the future.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-31\">A budget will also help you decide how to spend your money over the coming months and years. Without the plan, you might spend cash on things that seem important now, but don\'t offer much in terms of enhancing your future. Many people get caught in this quagmire and get down on themselves for not reaching the financial milestones they want for their family and their own life.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">Don\'t forget to celebrate small victories along the way. For example, congratulate yourself once you pay off your debt, or reward yourself when you stick to your budget for three months solid, or when you successfully pad your emergency fund.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-35\">If you are married, you and your spouse need to work together on the budget. Working together makes it feels fair to both of you, and you both have the same level of commitment towards achieving it. This unity can go a long way towards helping you prevent money-related arguments. Below are some tips for married couples who want to create a budget together:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-37\"><!-- wp:list-item -->\n<li>Consider switching to an envelope budgeting system that uses cash for spending areas that require more discipline.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Use budgeting software with a mobile app so you can enter spending in real time.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Plan expenses in advance to avoid any overspending.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-39\">Pay off Debt</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-40\">Debt is a huge obstacle for many when it comes to reaching financial goals. That\'s why you should make eliminating it a priority. Set up a debt elimination plan to help you pay it off more quickly. For example, while making minimum payments on all of your debt accounts, pay any extra money towards one debt at a time. After paying off one debt account, move all the money you were paying on the first debt to the next debt and continue from there, creating a debt-paydown “snowball effect.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-42\">Once you are totally out of debt, commit to staying out of debt. Leaving credit cards at home may be a wise strategy. Save up an emergency fund to cover unexpected expenses, so you aren\'t tempted to use a credit card to cover them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-44\">Try these tips to help you pay off debt more quickly:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-46\"><!-- wp:list-item -->\n<li>Sell unused or unwanted items around your home to find extra money to add to your debt repayment plan.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>A second job can help speed up the process and can be necessary if you want to make fast or lasting changes to your situation.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Look for areas in which you can cut your budget to increase the cash available for your debt payments.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-48\">Don’t Be Afraid To Ask for Advice</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-49\">Once you have grown your savings and want to begin investing to increase your wealth, speak to a financial planner to help you make wise investment decisions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-51\">A good adviser will share the risks involved in each investment and help you find products that match your comfort level and investing return needs while helping you work toward your goals as quickly as possible. A financial planner can also help you with your budget, which is another plus.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-53\">Investing is a long-term strategy that helps you in building wealth. You can also find financial help elsewhere, such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-55\"><!-- wp:list-item -->\n<li>Search for a local church or community center that offers free or low-cost classes or workshops on personal finances and budgeting. Occasionally, banks and credit unions offer courses, as well.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Find a mentor that would be willing to help you formulate and work through your budget for the first few months. This mentor can help you if you are overwhelmed by the budget process.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>If your parents or other family members are good with money, consider asking them for help, and talking to them about what worked for them financially and what they would have done differently.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-57\">It doesn\'t have to be a difficult experience to get your debt paid off, money saved, and progress made towards your financial goals. Invest in yourself and your financial future so that you won\'t ever need to worry about your finances again.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-59\">Frequently Asked Questions (FAQs)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How do I keep track of my personal finances?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>People have different preferences when it comes to tracking and managing their personal finances. You might prefer to use a traditional spreadsheet or you might want to use one of the many apps available today. Many of these personal finance apps connect directly to your bank account and update automatically, making it easy to track spending and budgets in real time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How does the economy affect your personal finances?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Changes in the economy can have a significant impact on your financial life, especially if you run on a tight budget. For example, inflation can make consumer goods more expensive and rising interest rates can make getting a loan more costly. These and other factors can make achieving your financial goals more or less difficult, depending on which direction the economy is going.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How can improving your credit score help with personal finances?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>When you improve your credit score, it becomes easier to get loans and credit cards to help you with large and small purchases. Not only that, but lenders will typically offer you better rates, amounts, and loan terms due to your higher credit score. All of this makes it easier to work toward your financial goals.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalancemoney.com/manage-your-personal-finances-2385812\">click here.</a></p>\n<!-- /wp:paragraph -->','5 Keys To Successfully Managing Your Personal Finances','','publish','closed','closed','','5-keys-to-successfully-managing-your-personal-finances','','','2024-06-30 23:52:13','2024-06-30 23:52:13','',0,'https://smartinsurance.tips/?p=4189',0,'post','',0),(4190,1,'2024-06-30 23:50:42','2024-06-30 23:50:42','','Untitled-62-1','','inherit','closed','closed','','untitled-62-1','','','2024-06-30 23:50:42','2024-06-30 23:50:42','',4189,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-62-1.png',0,'attachment','image/png',0),(4191,1,'2024-06-30 23:52:11','2024-06-30 23:52:11','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4190,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-62-1-1024x1024.png\" alt=\"\" class=\"wp-image-4190\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0\">Wouldn’t it be nice if there were a magic formula or simple trick that allowed you never to have to worry about money or manage your finances again?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-2\">While that may not be realistic, there are some simple things you can do right now to improve your money situation. Try these five steps for successfully managing your personal finances. Another bonus? If you stick to these five tips, your financial problems may start to diminish, and you can start reaping the rewards of lower debt, saving for the future, and a solid credit score.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-4\">Detail Your Financial Goals</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-5\">Take some time to write specific, long-term financial goals. You may want to take a month-long trip to Europe, buy an investment property, or retire early. All of these goals will affect how you plan your finances. For example, your goal to retire early is dependent on how well you save your money now. Other goals, including homeownership, starting a family, moving, or changing careers, will all be affected by how you manage your finances.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-7\">Once you have written down your financial goals, prioritize them. This organizational process ensures that you are paying the most attention to the ones that are of the highest importance to you. You can also list them in the order you want to achieve them, but a long-term goal like saving for retirement requires you to work towards it while also working on your other goals.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-9\">Below are some tips on how to get clear on your financial goals:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-11\"><!-- wp:list-item -->\n<li>Set long-term goals like getting out of debt, buying a home, or retiring early. These goals are separate from your short-term goals such as saving for a nice date night.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Set short-term goals, like following a budget, decreasing your spending, paying down, or not using your credit cards.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Prioritize your goals to help you create a financial plan.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-13\">Flesh out Your Plan</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-14\">A financial plan is essential in helping you reach your financial goals. The plan should have multiple steps or milestones. A sample plan might include creating a monthly budget and spending plan, then getting out of debt.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-16\">Once you’ve accomplished these three things and have followed through on your new plan for a few months, you may find that you have extra cash, and the money you free up from your debt payments can be used to reach your next round of goals.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-18\">Again, it\'s key to decide what priorities are most important to you. Keep steadily working toward your long-term retirement goals, but also start to focus on the most important near-term goals you have set for yourself. Do you want to take an extravagant trip? Start investing? Buy a home or build your own business? These are all things to consider when deciding on your next step.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-20\">Your goals, along with an emergency fund, will help you stop making financial decisions based on fear and help you get control of your situation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-22\">When creating a financial plan, remember these things:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-24\"><!-- wp:list-item -->\n<li>Your budget is key to success. It is the tool that will give you the most control of your financial future. Your budget is the key to achieving the rest of your plan.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>You should keep contributing to long-term goals, like saving for retirement, no matter what your financial plan stage is.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Building an emergency fund is another key factor in financial success and stress reduction.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-26\">Make and Stick to a Budget</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-27\">Your budget is one of the biggest tools that will help you succeed financially. It allows you to create a spending plan so you can allocate your money in a way that will help you to reach your goals.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-29\">You can make your budget as high-level or detailed as you want, as long as it helps you reach your ultimate goal of spending less than you earn, paying off any debts, padding your emergency fund, and saving for the future.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-31\">A budget will also help you decide how to spend your money over the coming months and years. Without the plan, you might spend cash on things that seem important now, but don\'t offer much in terms of enhancing your future. Many people get caught in this quagmire and get down on themselves for not reaching the financial milestones they want for their family and their own life.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">Don\'t forget to celebrate small victories along the way. For example, congratulate yourself once you pay off your debt, or reward yourself when you stick to your budget for three months solid, or when you successfully pad your emergency fund.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-35\">If you are married, you and your spouse need to work together on the budget. Working together makes it feels fair to both of you, and you both have the same level of commitment towards achieving it. This unity can go a long way towards helping you prevent money-related arguments. Below are some tips for married couples who want to create a budget together:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-37\"><!-- wp:list-item -->\n<li>Consider switching to an envelope budgeting system that uses cash for spending areas that require more discipline.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Use budgeting software with a mobile app so you can enter spending in real time.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Plan expenses in advance to avoid any overspending.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-39\">Pay off Debt</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-40\">Debt is a huge obstacle for many when it comes to reaching financial goals. That\'s why you should make eliminating it a priority. Set up a debt elimination plan to help you pay it off more quickly. For example, while making minimum payments on all of your debt accounts, pay any extra money towards one debt at a time. After paying off one debt account, move all the money you were paying on the first debt to the next debt and continue from there, creating a debt-paydown “snowball effect.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-42\">Once you are totally out of debt, commit to staying out of debt. Leaving credit cards at home may be a wise strategy. Save up an emergency fund to cover unexpected expenses, so you aren\'t tempted to use a credit card to cover them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-44\">Try these tips to help you pay off debt more quickly:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-46\"><!-- wp:list-item -->\n<li>Sell unused or unwanted items around your home to find extra money to add to your debt repayment plan.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>A second job can help speed up the process and can be necessary if you want to make fast or lasting changes to your situation.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Look for areas in which you can cut your budget to increase the cash available for your debt payments.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-48\">Don’t Be Afraid To Ask for Advice</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-49\">Once you have grown your savings and want to begin investing to increase your wealth, speak to a financial planner to help you make wise investment decisions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-51\">A good adviser will share the risks involved in each investment and help you find products that match your comfort level and investing return needs while helping you work toward your goals as quickly as possible. A financial planner can also help you with your budget, which is another plus.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-53\">Investing is a long-term strategy that helps you in building wealth. You can also find financial help elsewhere, such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-55\"><!-- wp:list-item -->\n<li>Search for a local church or community center that offers free or low-cost classes or workshops on personal finances and budgeting. Occasionally, banks and credit unions offer courses, as well.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Find a mentor that would be willing to help you formulate and work through your budget for the first few months. This mentor can help you if you are overwhelmed by the budget process.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>If your parents or other family members are good with money, consider asking them for help, and talking to them about what worked for them financially and what they would have done differently.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-57\">It doesn\'t have to be a difficult experience to get your debt paid off, money saved, and progress made towards your financial goals. Invest in yourself and your financial future so that you won\'t ever need to worry about your finances again.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-59\">Frequently Asked Questions (FAQs)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How do I keep track of my personal finances?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>People have different preferences when it comes to tracking and managing their personal finances. You might prefer to use a traditional spreadsheet or you might want to use one of the many apps available today. Many of these personal finance apps connect directly to your bank account and update automatically, making it easy to track spending and budgets in real time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How does the economy affect your personal finances?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Changes in the economy can have a significant impact on your financial life, especially if you run on a tight budget. For example, inflation can make consumer goods more expensive and rising interest rates can make getting a loan more costly. These and other factors can make achieving your financial goals more or less difficult, depending on which direction the economy is going.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How can improving your credit score help with personal finances?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>When you improve your credit score, it becomes easier to get loans and credit cards to help you with large and small purchases. Not only that, but lenders will typically offer you better rates, amounts, and loan terms due to your higher credit score. All of this makes it easier to work toward your financial goals.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalancemoney.com/manage-your-personal-finances-2385812\">click here.</a></p>\n<!-- /wp:paragraph -->','5 Keys To Successfully Managing Your Personal Finances','','inherit','closed','closed','','4189-revision-v1','','','2024-06-30 23:52:11','2024-06-30 23:52:11','',4189,'https://smartinsurance.tips/?p=4191',0,'revision','',0),(4192,1,'2024-07-01 00:00:07','2024-07-01 00:00:07','<!-- wp:paragraph -->\n<p>Unfamiliar apps and strange phone behavior are a few of the warning signs that your device has been infected and you need to take action immediately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4193,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-66-1024x1024.png\" alt=\"\" class=\"wp-image-4193\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"Is-Your-Phone-Acting-Strangely?-It-Could-Be-Infected\">Is Your Phone Acting Strangely? It Could Be Infected</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Mobile malware has been a persistent threat to all phone users — and it’s only getting worse as scammers and hackers target mobile devices for data and access to sensitive accounts.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>According to the latest research:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p>The number of hacked and compromised mobile devices grew by a disturbing 187% last year.</p>\n<!-- /wp:paragraph --></blockquote>\n<!-- /wp:quote -->\n\n<!-- wp:paragraph -->\n<p>More than <em>30 million</em> new malware programs are discovered every month, making it nearly impossible for antivirus technology to keep up. While Android phones are more susceptible to viruses, iPhones and other iOS devices can also become infected. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In this guide, we’ll explain how to determine whether your phone has a virus, what to do if you suspect an infection, and how to stop scammers from stealing your data, money, and identity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"How-To-Check-Your-Phone-For-Viruses:-10-Warning-Signs\">How To Check Your Phone For Viruses: 10 Warning Signs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>New or unfamiliar apps appear on your home screen</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Your phone is sluggish, slow, or regularly crashes</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Your battery loses charge more quickly than usual</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>You notice higher-than-usual mobile data usage</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Your phone is physically hot or makes strange noises</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Constant pop-ups appear on your home screen or browser</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Your contacts are receiving strange messages from you</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>You’re locked out of your online accounts</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>You discover fraudulent charges on your online accounts</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>You get warnings from your antivirus software</strong></li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Before we dive into <strong>how to detect malware</strong>, it’s important to note that many of these warning signs could also be symptoms of a hacked account — and have nothing to do with phone viruses. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>No matter the cause, it’s important that you act quickly. If you see any of these warning signs, you need to secure your accounts, devices, and identity right away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"1.-New-or-unfamiliar-apps-appear-on-your-homescreen\"><strong>1. New or unfamiliar apps appear on your homescreen</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most malware infections come from compromised or fake apps. Hackers disguise malicious apps as “clean up” tools or other legitimate apps, and trick you into downloading them. But once installed, these apps can spy on you and send your sensitive information back to hackers.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some new apps will be visible on your homescreen, but others stay hidden in the background, silently collecting information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>How to locate unfamiliar apps on your Android:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Open the Google Play Store.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Click on your <strong>profile</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Tap on <strong>Play Protect</strong>, and then <strong>Settings</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Toggle <strong>Scan apps with Play Protect</strong> to <em>on</em>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Once activated, Play Protect will continuously scan your phone for unwanted apps and remove malware. If your phone detects a potentially harmful app, you’ll get a notification that prompts you to uninstall it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>How to locate unfamiliar apps on your iPhone:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Open your home screen and swipe to the left.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Scroll through your <strong>library</strong> to spot any apps you don’t recognize.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Long-press the app’s icon, and then tap on <strong>Delete App</strong>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"2.-Your-phone-is-sluggish,-slow,-or-regularly-crashes\"><strong>2. Your phone is sluggish, slow, or regularly crashes</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Malware strains your phone’s processing power, causing webpages to load more slowly. Phone viruses can also disrupt normal software operations, causing certain apps and other native functionality to crash.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Before you assume your device has a virus, confirm that you’ve installed your phone’s latest software update. Then, close all of the apps and browser windows that you have open. If your phone’s performance doesn’t improve, malware is the likely culprit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"3.-Your-battery-loses-charge-more-quickly-than-usual\"><strong>3. Your battery loses charge more quickly than usual</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Battery drain is a common warning sign of a phone virus — as keeping malware running can monopolize your phone’s resources. If your phone isn’t holding a charge, check your battery settings to find apps that are depleting your device’s resources.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>How to check battery settings on an Android:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Go to <strong>Settings</strong> and then <strong>About phone</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Tap on <strong>Battery use</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Review the list of apps using up the most battery life.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Select any suspicious apps, and press <strong>Force stop</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Next, go to your <strong>Google Play Store profile</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Tap on <strong>Manage apps &amp; devices</strong>, and then <strong>Manage</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Select the app you want to delete, and tap on <strong>Uninstall</strong>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>How to check battery settings on an iPhone:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Go to <strong>Settings</strong> and then <strong>Battery</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Scroll down to see <strong>battery usage by app</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>If you see an unwanted app, go back to your homescreen.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Swipe left for a list of your apps, and search for the app name.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Long-press the app and tap on <strong>Remove App</strong>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"4.-You-notice-higher-than-usual-mobile-data-usage\"><strong>4. You notice higher-than-usual mobile data usage</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Viruses can send text messages to international numbers, delete incoming calls, and transfer data back to scammers — all of which cause major spikes in data usage.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Pay attention to texts from your carrier about your data limits, and review your monthly phone bills carefully. You can also check your cellular data in real-time:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>On iPhones:</strong> Go to Settings → Cellular or Settings → Mobile Data.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>On Android phones:</strong> Go to Settings → Network &amp; internet → Internet → Settings.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"5.-Your-phone-is-physically-hot-or-makes-strange-noises\"><strong>5. Your phone is physically hot or makes strange noises</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Malware consumes significant memory and CPU, putting your phone in overdrive and causing it to overheat. If your phone is still overheating even after you’ve removed it from its charger and closed any video games or streaming services, there’s a good chance it has a virus.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Infections may also install malicious software that eavesdrops on your conversations. Often, these apps make peculiar beeping sounds when recording your call, or cause static because of a faulty connection between your phone and the scammer.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you hear noises when your phone is idle, this is also a red flag.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"6.-Constant-pop-ups-appear-on-your-home-screen-or-browser\"><strong>6. Constant pop-ups appear on your home screen or browser</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Infections can bypass app and browser permissions, filling your home screen and browser with adware. Clicking on pop-up ads and notifications can spawn other types of malware, such as ransomware, browser exploits, and bots.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>To review and revoke app permissions on an Android:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Go to <strong>Settings</strong> and tap on <strong>Apps</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Inspect the list for apps you don’t recognize.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Tap on <strong>Permissions</strong> to adjust the level of access that each app has for your data.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>To review and revoke app permissions on an iPhone:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Go to <strong>Settings</strong> and tap on <strong>Privacy &amp; Security</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Tap on <strong>Tracking</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Review and toggle <em>off</em> app requests to track your behavior.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"7.-Your-contacts-are-receiving-strange-messages-from-you\"><strong>7. Your contacts are receiving strange messages from you</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If scammers have control over your phone, they can spam your contacts with texts, emails, and social media messages.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Let your contacts know that you’ve been hacked (and how you think it happened) so that they can limit their exposure. Warn them not to click on any links or download any attachments from you until you rectify the situation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"8.-You’re-locked-out-of-your-online-accounts\"><strong>8. You’re locked out of your online accounts</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If scammers get into an account, the first thing they’ll likely do is change the password. Once they have full access, they’re free to search for personal details or banking information.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Changing your passwords</strong> as soon as your phone is infected limits the chances of hackers getting into your accounts. For an extra layer of security, enable <strong>two-factor authentication</strong> (2FA) with biometric factors or authenticator app codes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"9.-You-discover-fraudulent-charges-on-your-online-accounts\"><strong>9. You discover fraudulent charges on your online accounts</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Many people use Apple Pay or Google Pay to make convenient payments. But if scammers hack your phone, they can easily use those credit cards, too.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Even if they can’t gain access to your Apple or Google Pay accounts, a virus&nbsp;<em>could</em>&nbsp;help them access accounts with stored credit card numbers, such as the Apple App Store or Google Play Store.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Review your App Store and Play Store purchases to catch any apps you don’t remember paying for. You can find your purchase history in your profile.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Pro tip: </strong>If you spot unauthorized charges on your credit card statement, follow up with your bank. They can help you initiate a <strong>credit freeze</strong> to prevent further fraud and issue you a new card.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"10.-You-get-warnings-from-your-antivirus-software\"><strong>10. You get warnings from your antivirus software</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Don’t ignore messages from your antivirus app. If an app is flagged as potentially harmful, uninstall it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But before you do, take a hard look at the alert. Does it have any spelling errors or abnormal logos? If so, the pop-up could be part of a phishing campaign. Scammers send <strong>fake “virus warnings”</strong> to coax victims into clicking on malicious links or downloading spam.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"How-To-Remove-Viruses-From-Your-Phone-(Android-&amp;-iPhone)\">How To Remove Viruses From Your Phone (Android &amp; iPhone)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you suspect your phone has been infected, it’s important to identify and <strong>remove hackers</strong> as soon as possible. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here’s what to do:&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"Restart-your-device \"><strong>Restart your device&nbsp;</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Some of the warning signs of a virus could actually be caused by corrupted apps or files. Power off your mobile phone to see if that clears up the issue before taking more drastic measures. You can also boot your phone in “Safe Mode” to disable certain features and limit the damage that a virus can do.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"Download-and-run-mobile-antivirus-software\"><strong>Download and run mobile antivirus software</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Antivirus software can alert you to cyberattacks and help remove security threats. Unfortunately, checking<strong> for viruses on an iPhone</strong> is a little harder, as iOS doesn’t allow users to install third-party antivirus programs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"Check-app-permissions,-and-disable-pop-ups\"><strong>Check app permissions, and disable pop-ups</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Adjusting your browser settings can dramatically reduce pop-ups — even those caused by adware. Here’s a guide on how to <strong>stop pop-ups on Android</strong>.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"Clear-your-cache-and-downloads-folder\"><strong>Clear your cache and downloads folder</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Scammers leave temporary cookies and files in your browser that they can use to mount another attack.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>To clear your cache on an iPhone:</strong> Open <strong>General Settings</strong>, then tap on <strong>iPhone Storage</strong>. Tap on <strong>Safari</strong> (or any other browser that you use), and then <strong>Website Data</strong>. Scroll to the bottom and tap on <strong>Remove All Website Data</strong>. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>To clear your cache on an Android device:</strong> So to <strong>Settings</strong> and search for the <strong>Chrome</strong> app. Find <strong>Storage</strong>, and then tap on <strong>Clear Cache</strong>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"Update-your-OS-and-software\"><strong>Update your OS and software</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Fraudsters take advantage of vulnerabilities in your phone’s operating system. To plug those gaps, install the latest update.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>On iPhones:</strong> Tap on <strong>Software Update</strong> in <strong>General Settings</strong> and follow the instructions. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>On Android devices:</strong> Open <strong>Settings</strong> and tap on <strong>About Phone</strong>. Then, tap on <strong>Check for Updates</strong> and follow the prompts. </li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"Factory-reset-your-phone-(only-if-you-have-a-secure-backup) \"><strong>Factory reset your phone (only if you have a secure backup)&nbsp;</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If none of these strategies are improving your phone’s performance, consider rebooting your factory settings.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>After backing up your iPhone, go to&nbsp;<strong>General Settings</strong>,&nbsp;<strong>Transfer or Reset iPhone</strong>, and tap on&nbsp;<strong>Reset</strong>.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Android phone users should go to&nbsp;<strong>Apps</strong>,&nbsp;<strong>Settings</strong>, and then&nbsp;<strong>Backup and reset</strong>. Tap on&nbsp;<strong>Factory data reset</strong>, and then&nbsp;<strong>Reset Device</strong>.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note that a <strong>factory reset <em>cannot</em></strong> stop hackers from accessing accounts if they’ve already guessed your password, nor can it prevent them from extorting you with stolen files or videos.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"Install-a-mobile-security-app \"><strong>Install a mobile security app&nbsp;</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Even if you remove the virus from your phone, scammers will mark you as an easy target. Identity thieves will continue pestering you with phishing emails, scam calls, and fake SMS messages.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"How-Does-Your-Phone-Get-Infected-With-Malware?\">How Does Your Phone Get Infected With Malware?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Hackers rely on human error and social engineering schemes to trick you into downloading fake apps, clicking on suspicious links, and sharing your credentials.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here are a few common tactics that they use:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Fake or compromised apps.</strong> Hackers hide malware in free antivirus or other “device cleanup” third-party apps — often in unofficial app stores. When you download apps like these, hackers have deep access to your files and device settings.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Vulnerabilities in outdated software. </strong>Software developers release new versions of their apps to remove known security issues. If you’re using an outdated version of your phone’s OS or a specific app, it could be hacked. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Attachments or files in phishing messages.</strong> Attachments are often filled with worms, trojans, and spyware. Never download anything from an unknown sender, and only click on links in text messages and emails from trusted sources. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Plugging in strange USB drives. </strong>Scammers use USB drives to store malicious files that auto-run as soon as they’re plugged into your computer. If your laptop is synced to your phone, the infection can spread.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Connecting to an unsecured Wi-Fi network. </strong>Without proper encryption, hackers can launch a man-in-the-middle (MitM) attack, collecting all the data sent from your phone to the Wi-Fi router. Some scammers even create <strong>fake Wi-Fi networks</strong> and infect your device as soon as you join it.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Accidentally giving up passwords to a hacker. </strong>Cybercriminals spoof company support websites or send legitimate-looking emails with links to “collect a prize” or “pay a bill,” only to steal your credentials or bank account number in the process. </li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>The bottom line:</strong> Digital security is no longer just about protecting your device against viruses. Almost everyone can benefit from an all-in-one solution that protects your devices, data, identity, and finances. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"How-To-Protect-Your-Phone-From-Viruses,-Hackers,-and-Malware\">How To Protect Your Phone From Viruses, Hackers, and Malware</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Viruses are only a symptom of a root issue — failing to practice <strong>good cyber hygiene</strong>. So it pays to be careful about what you download and who has access to your accounts and devices. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here are a few ways you can protect your phone, accounts, and other devices from online threats:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Don’t jailbreak or “root” your phone. </strong>While these processes can give you more customization options, jailbroken phones are much easier targets for viruses and hacking. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Only download apps from the official Apple App Store or Google Play Store.</strong> Apps hosted outside of either app store don’t have to follow any safety and legal guidelines, and are frequently riddled with malware.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Enable security settings in your mobile browser. </strong>Turning on “Safe Browsing” in Chrome will automatically warn you of leaked passwords, risky sites, and dangerous downloads [<a href=\"https://support.google.com/accounts/answer/11577602?hl=en\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>*</strong></a>]. If you use Safari, turn off cross-site tracking permissions, hide your IP address, and request Safari to ask whenever sites want to use your camera, microphone, or location [<a href=\"https://support.apple.com/en-ca/guide/iphone/iphb01fc3c85/ios\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>*</strong></a>].</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Keep regular backups of your phone and other devices. </strong>iCloud automatically backs up your iPhone whenever it’s charging, locked, or connected to Wi-Fi. If your iPhone supports 5G, you can also ask your carrier to back up your device on its cellular network. Android users can back up their devices with Google One, which automatically sends copies of photos, videos, and contacts to the cloud. Backup data is only erased if you turn off Android backup or don’t use your device for 57 days.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Learn to spot the warning signs of a phishing scam. </strong>Scammers will say and do anything to pressure you to act. Many impersonate a family member in need of help or claim you owe a company money. Others promote “free” vacations or other limited-time offers. Don’t fall for it. Odd greetings, spelling and grammar mistakes, and repeated requests for personal data are all telltale signs of phishing.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Enable auto-updates on your phone. </strong>Auto-updates reduce your exposure to viruses by installing updates right away. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Use unique and secure passwords for each account. </strong>If you use the same password for every account, scammers only have to crack <em>one password</em> to immediately gain access to every other account. A <strong>secure password manager</strong> can help you generate and store long, complex passwords that minimize the chances of hacking.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Enable two-factor authentication (2FA) whenever possible. </strong>With 2FA enabled, hackers have to provide a second form of identification to unlock your account — even if they find out your password. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Avoid using public Wi-Fi (especially to log in to accounts).</strong> Hackers use public Wi-Fi to intercept unencrypted messages, inject malware into downloads or software updates, or spy on your activity. If you must access public Wi-Fi, <strong>use a VPN</strong> to encrypt the data that your device sends to the router.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Protect yourself from spam calls and texts with an AI Call Assistant. </strong>Spam calls and texts are inroads to phishing scams. Aura’s <strong>smart spam blockers</strong> use AI-powered assistants to screen calls on your behalf, forwarding only the legitimate ones to you. </li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Taking all of these precautions is just the first barrier of defense against prolific scammers. For end-to-end protection, you need a digital security app designed specifically to safeguard your data, devices, and finances from fraudsters.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.aura.com/learn/how-to-know-if-your-phone-has-a-virus\">click here.</a></p>\n<!-- /wp:paragraph -->','How To Know If Your Phone Has a Virus (2024 Guide)','','publish','closed','closed','','how-to-know-if-your-phone-has-a-virus-2024-guide','','','2024-07-01 00:00:09','2024-07-01 00:00:09','',0,'https://smartinsurance.tips/?p=4192',0,'post','',0),(4193,1,'2024-06-30 23:54:26','2024-06-30 23:54:26','','Untitled-66','','inherit','closed','closed','','untitled-66','','','2024-06-30 23:54:26','2024-06-30 23:54:26','',4192,'http://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-66.png',0,'attachment','image/png',0),(4194,1,'2024-07-01 00:00:07','2024-07-01 00:00:07','<!-- wp:paragraph -->\n<p>Unfamiliar apps and strange phone behavior are a few of the warning signs that your device has been infected and you need to take action immediately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4193,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/06/Untitled-66-1024x1024.png\" alt=\"\" class=\"wp-image-4193\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"Is-Your-Phone-Acting-Strangely?-It-Could-Be-Infected\">Is Your Phone Acting Strangely? It Could Be Infected</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Mobile malware has been a persistent threat to all phone users — and it’s only getting worse as scammers and hackers target mobile devices for data and access to sensitive accounts.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>According to the latest research:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p>The number of hacked and compromised mobile devices grew by a disturbing 187% last year.</p>\n<!-- /wp:paragraph --></blockquote>\n<!-- /wp:quote -->\n\n<!-- wp:paragraph -->\n<p>More than <em>30 million</em> new malware programs are discovered every month, making it nearly impossible for antivirus technology to keep up. While Android phones are more susceptible to viruses, iPhones and other iOS devices can also become infected. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In this guide, we’ll explain how to determine whether your phone has a virus, what to do if you suspect an infection, and how to stop scammers from stealing your data, money, and identity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"How-To-Check-Your-Phone-For-Viruses:-10-Warning-Signs\">How To Check Your Phone For Viruses: 10 Warning Signs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>New or unfamiliar apps appear on your home screen</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Your phone is sluggish, slow, or regularly crashes</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Your battery loses charge more quickly than usual</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>You notice higher-than-usual mobile data usage</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Your phone is physically hot or makes strange noises</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Constant pop-ups appear on your home screen or browser</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Your contacts are receiving strange messages from you</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>You’re locked out of your online accounts</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>You discover fraudulent charges on your online accounts</strong></li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>You get warnings from your antivirus software</strong></li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Before we dive into <strong>how to detect malware</strong>, it’s important to note that many of these warning signs could also be symptoms of a hacked account — and have nothing to do with phone viruses. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>No matter the cause, it’s important that you act quickly. If you see any of these warning signs, you need to secure your accounts, devices, and identity right away.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"1.-New-or-unfamiliar-apps-appear-on-your-homescreen\"><strong>1. New or unfamiliar apps appear on your homescreen</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most malware infections come from compromised or fake apps. Hackers disguise malicious apps as “clean up” tools or other legitimate apps, and trick you into downloading them. But once installed, these apps can spy on you and send your sensitive information back to hackers.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some new apps will be visible on your homescreen, but others stay hidden in the background, silently collecting information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>How to locate unfamiliar apps on your Android:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Open the Google Play Store.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Click on your <strong>profile</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Tap on <strong>Play Protect</strong>, and then <strong>Settings</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Toggle <strong>Scan apps with Play Protect</strong> to <em>on</em>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Once activated, Play Protect will continuously scan your phone for unwanted apps and remove malware. If your phone detects a potentially harmful app, you’ll get a notification that prompts you to uninstall it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>How to locate unfamiliar apps on your iPhone:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Open your home screen and swipe to the left.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Scroll through your <strong>library</strong> to spot any apps you don’t recognize.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Long-press the app’s icon, and then tap on <strong>Delete App</strong>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"2.-Your-phone-is-sluggish,-slow,-or-regularly-crashes\"><strong>2. Your phone is sluggish, slow, or regularly crashes</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Malware strains your phone’s processing power, causing webpages to load more slowly. Phone viruses can also disrupt normal software operations, causing certain apps and other native functionality to crash.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Before you assume your device has a virus, confirm that you’ve installed your phone’s latest software update. Then, close all of the apps and browser windows that you have open. If your phone’s performance doesn’t improve, malware is the likely culprit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"3.-Your-battery-loses-charge-more-quickly-than-usual\"><strong>3. Your battery loses charge more quickly than usual</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Battery drain is a common warning sign of a phone virus — as keeping malware running can monopolize your phone’s resources. If your phone isn’t holding a charge, check your battery settings to find apps that are depleting your device’s resources.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>How to check battery settings on an Android:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Go to <strong>Settings</strong> and then <strong>About phone</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Tap on <strong>Battery use</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Review the list of apps using up the most battery life.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Select any suspicious apps, and press <strong>Force stop</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Next, go to your <strong>Google Play Store profile</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Tap on <strong>Manage apps &amp; devices</strong>, and then <strong>Manage</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Select the app you want to delete, and tap on <strong>Uninstall</strong>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>How to check battery settings on an iPhone:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Go to <strong>Settings</strong> and then <strong>Battery</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Scroll down to see <strong>battery usage by app</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>If you see an unwanted app, go back to your homescreen.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Swipe left for a list of your apps, and search for the app name.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Long-press the app and tap on <strong>Remove App</strong>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"4.-You-notice-higher-than-usual-mobile-data-usage\"><strong>4. You notice higher-than-usual mobile data usage</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Viruses can send text messages to international numbers, delete incoming calls, and transfer data back to scammers — all of which cause major spikes in data usage.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Pay attention to texts from your carrier about your data limits, and review your monthly phone bills carefully. You can also check your cellular data in real-time:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>On iPhones:</strong> Go to Settings → Cellular or Settings → Mobile Data.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>On Android phones:</strong> Go to Settings → Network &amp; internet → Internet → Settings.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"5.-Your-phone-is-physically-hot-or-makes-strange-noises\"><strong>5. Your phone is physically hot or makes strange noises</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Malware consumes significant memory and CPU, putting your phone in overdrive and causing it to overheat. If your phone is still overheating even after you’ve removed it from its charger and closed any video games or streaming services, there’s a good chance it has a virus.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Infections may also install malicious software that eavesdrops on your conversations. Often, these apps make peculiar beeping sounds when recording your call, or cause static because of a faulty connection between your phone and the scammer.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you hear noises when your phone is idle, this is also a red flag.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"6.-Constant-pop-ups-appear-on-your-home-screen-or-browser\"><strong>6. Constant pop-ups appear on your home screen or browser</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Infections can bypass app and browser permissions, filling your home screen and browser with adware. Clicking on pop-up ads and notifications can spawn other types of malware, such as ransomware, browser exploits, and bots.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>To review and revoke app permissions on an Android:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Go to <strong>Settings</strong> and tap on <strong>Apps</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Inspect the list for apps you don’t recognize.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Tap on <strong>Permissions</strong> to adjust the level of access that each app has for your data.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>To review and revoke app permissions on an iPhone:</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Go to <strong>Settings</strong> and tap on <strong>Privacy &amp; Security</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Tap on <strong>Tracking</strong>.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Review and toggle <em>off</em> app requests to track your behavior.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"7.-Your-contacts-are-receiving-strange-messages-from-you\"><strong>7. Your contacts are receiving strange messages from you</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If scammers have control over your phone, they can spam your contacts with texts, emails, and social media messages.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Let your contacts know that you’ve been hacked (and how you think it happened) so that they can limit their exposure. Warn them not to click on any links or download any attachments from you until you rectify the situation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"8.-You’re-locked-out-of-your-online-accounts\"><strong>8. You’re locked out of your online accounts</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If scammers get into an account, the first thing they’ll likely do is change the password. Once they have full access, they’re free to search for personal details or banking information.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Changing your passwords</strong> as soon as your phone is infected limits the chances of hackers getting into your accounts. For an extra layer of security, enable <strong>two-factor authentication</strong> (2FA) with biometric factors or authenticator app codes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"9.-You-discover-fraudulent-charges-on-your-online-accounts\"><strong>9. You discover fraudulent charges on your online accounts</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Many people use Apple Pay or Google Pay to make convenient payments. But if scammers hack your phone, they can easily use those credit cards, too.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Even if they can’t gain access to your Apple or Google Pay accounts, a virus&nbsp;<em>could</em>&nbsp;help them access accounts with stored credit card numbers, such as the Apple App Store or Google Play Store.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Review your App Store and Play Store purchases to catch any apps you don’t remember paying for. You can find your purchase history in your profile.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Pro tip: </strong>If you spot unauthorized charges on your credit card statement, follow up with your bank. They can help you initiate a <strong>credit freeze</strong> to prevent further fraud and issue you a new card.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"10.-You-get-warnings-from-your-antivirus-software\"><strong>10. You get warnings from your antivirus software</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Don’t ignore messages from your antivirus app. If an app is flagged as potentially harmful, uninstall it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But before you do, take a hard look at the alert. Does it have any spelling errors or abnormal logos? If so, the pop-up could be part of a phishing campaign. Scammers send <strong>fake “virus warnings”</strong> to coax victims into clicking on malicious links or downloading spam.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"How-To-Remove-Viruses-From-Your-Phone-(Android-&amp;-iPhone)\">How To Remove Viruses From Your Phone (Android &amp; iPhone)</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you suspect your phone has been infected, it’s important to identify and <strong>remove hackers</strong> as soon as possible. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here’s what to do:&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"Restart-your-device \"><strong>Restart your device&nbsp;</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Some of the warning signs of a virus could actually be caused by corrupted apps or files. Power off your mobile phone to see if that clears up the issue before taking more drastic measures. You can also boot your phone in “Safe Mode” to disable certain features and limit the damage that a virus can do.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"Download-and-run-mobile-antivirus-software\"><strong>Download and run mobile antivirus software</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Antivirus software can alert you to cyberattacks and help remove security threats. Unfortunately, checking<strong> for viruses on an iPhone</strong> is a little harder, as iOS doesn’t allow users to install third-party antivirus programs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"Check-app-permissions,-and-disable-pop-ups\"><strong>Check app permissions, and disable pop-ups</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Adjusting your browser settings can dramatically reduce pop-ups — even those caused by adware. Here’s a guide on how to <strong>stop pop-ups on Android</strong>.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"Clear-your-cache-and-downloads-folder\"><strong>Clear your cache and downloads folder</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Scammers leave temporary cookies and files in your browser that they can use to mount another attack.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>To clear your cache on an iPhone:</strong> Open <strong>General Settings</strong>, then tap on <strong>iPhone Storage</strong>. Tap on <strong>Safari</strong> (or any other browser that you use), and then <strong>Website Data</strong>. Scroll to the bottom and tap on <strong>Remove All Website Data</strong>. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>To clear your cache on an Android device:</strong> So to <strong>Settings</strong> and search for the <strong>Chrome</strong> app. Find <strong>Storage</strong>, and then tap on <strong>Clear Cache</strong>.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"Update-your-OS-and-software\"><strong>Update your OS and software</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Fraudsters take advantage of vulnerabilities in your phone’s operating system. To plug those gaps, install the latest update.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>On iPhones:</strong> Tap on <strong>Software Update</strong> in <strong>General Settings</strong> and follow the instructions. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>On Android devices:</strong> Open <strong>Settings</strong> and tap on <strong>About Phone</strong>. Then, tap on <strong>Check for Updates</strong> and follow the prompts. </li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"Factory-reset-your-phone-(only-if-you-have-a-secure-backup) \"><strong>Factory reset your phone (only if you have a secure backup)&nbsp;</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If none of these strategies are improving your phone’s performance, consider rebooting your factory settings.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>After backing up your iPhone, go to&nbsp;<strong>General Settings</strong>,&nbsp;<strong>Transfer or Reset iPhone</strong>, and tap on&nbsp;<strong>Reset</strong>.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Android phone users should go to&nbsp;<strong>Apps</strong>,&nbsp;<strong>Settings</strong>, and then&nbsp;<strong>Backup and reset</strong>. Tap on&nbsp;<strong>Factory data reset</strong>, and then&nbsp;<strong>Reset Device</strong>.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note that a <strong>factory reset <em>cannot</em></strong> stop hackers from accessing accounts if they’ve already guessed your password, nor can it prevent them from extorting you with stolen files or videos.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"Install-a-mobile-security-app \"><strong>Install a mobile security app&nbsp;</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Even if you remove the virus from your phone, scammers will mark you as an easy target. Identity thieves will continue pestering you with phishing emails, scam calls, and fake SMS messages.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"How-Does-Your-Phone-Get-Infected-With-Malware?\">How Does Your Phone Get Infected With Malware?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Hackers rely on human error and social engineering schemes to trick you into downloading fake apps, clicking on suspicious links, and sharing your credentials.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here are a few common tactics that they use:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Fake or compromised apps.</strong> Hackers hide malware in free antivirus or other “device cleanup” third-party apps — often in unofficial app stores. When you download apps like these, hackers have deep access to your files and device settings.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Vulnerabilities in outdated software. </strong>Software developers release new versions of their apps to remove known security issues. If you’re using an outdated version of your phone’s OS or a specific app, it could be hacked. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Attachments or files in phishing messages.</strong> Attachments are often filled with worms, trojans, and spyware. Never download anything from an unknown sender, and only click on links in text messages and emails from trusted sources. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Plugging in strange USB drives. </strong>Scammers use USB drives to store malicious files that auto-run as soon as they’re plugged into your computer. If your laptop is synced to your phone, the infection can spread.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Connecting to an unsecured Wi-Fi network. </strong>Without proper encryption, hackers can launch a man-in-the-middle (MitM) attack, collecting all the data sent from your phone to the Wi-Fi router. Some scammers even create <strong>fake Wi-Fi networks</strong> and infect your device as soon as you join it.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Accidentally giving up passwords to a hacker. </strong>Cybercriminals spoof company support websites or send legitimate-looking emails with links to “collect a prize” or “pay a bill,” only to steal your credentials or bank account number in the process. </li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>The bottom line:</strong> Digital security is no longer just about protecting your device against viruses. Almost everyone can benefit from an all-in-one solution that protects your devices, data, identity, and finances. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"How-To-Protect-Your-Phone-From-Viruses,-Hackers,-and-Malware\">How To Protect Your Phone From Viruses, Hackers, and Malware</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Viruses are only a symptom of a root issue — failing to practice <strong>good cyber hygiene</strong>. So it pays to be careful about what you download and who has access to your accounts and devices. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here are a few ways you can protect your phone, accounts, and other devices from online threats:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Don’t jailbreak or “root” your phone. </strong>While these processes can give you more customization options, jailbroken phones are much easier targets for viruses and hacking. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Only download apps from the official Apple App Store or Google Play Store.</strong> Apps hosted outside of either app store don’t have to follow any safety and legal guidelines, and are frequently riddled with malware.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Enable security settings in your mobile browser. </strong>Turning on “Safe Browsing” in Chrome will automatically warn you of leaked passwords, risky sites, and dangerous downloads [<a href=\"https://support.google.com/accounts/answer/11577602?hl=en\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>*</strong></a>]. If you use Safari, turn off cross-site tracking permissions, hide your IP address, and request Safari to ask whenever sites want to use your camera, microphone, or location [<a href=\"https://support.apple.com/en-ca/guide/iphone/iphb01fc3c85/ios\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>*</strong></a>].</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Keep regular backups of your phone and other devices. </strong>iCloud automatically backs up your iPhone whenever it’s charging, locked, or connected to Wi-Fi. If your iPhone supports 5G, you can also ask your carrier to back up your device on its cellular network. Android users can back up their devices with Google One, which automatically sends copies of photos, videos, and contacts to the cloud. Backup data is only erased if you turn off Android backup or don’t use your device for 57 days.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Learn to spot the warning signs of a phishing scam. </strong>Scammers will say and do anything to pressure you to act. Many impersonate a family member in need of help or claim you owe a company money. Others promote “free” vacations or other limited-time offers. Don’t fall for it. Odd greetings, spelling and grammar mistakes, and repeated requests for personal data are all telltale signs of phishing.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Enable auto-updates on your phone. </strong>Auto-updates reduce your exposure to viruses by installing updates right away. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Use unique and secure passwords for each account. </strong>If you use the same password for every account, scammers only have to crack <em>one password</em> to immediately gain access to every other account. A <strong>secure password manager</strong> can help you generate and store long, complex passwords that minimize the chances of hacking.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Enable two-factor authentication (2FA) whenever possible. </strong>With 2FA enabled, hackers have to provide a second form of identification to unlock your account — even if they find out your password. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Avoid using public Wi-Fi (especially to log in to accounts).</strong> Hackers use public Wi-Fi to intercept unencrypted messages, inject malware into downloads or software updates, or spy on your activity. If you must access public Wi-Fi, <strong>use a VPN</strong> to encrypt the data that your device sends to the router.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Protect yourself from spam calls and texts with an AI Call Assistant. </strong>Spam calls and texts are inroads to phishing scams. Aura’s <strong>smart spam blockers</strong> use AI-powered assistants to screen calls on your behalf, forwarding only the legitimate ones to you. </li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Taking all of these precautions is just the first barrier of defense against prolific scammers. For end-to-end protection, you need a digital security app designed specifically to safeguard your data, devices, and finances from fraudsters.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.aura.com/learn/how-to-know-if-your-phone-has-a-virus\">click here.</a></p>\n<!-- /wp:paragraph -->','How To Know If Your Phone Has a Virus (2024 Guide)','','inherit','closed','closed','','4192-revision-v1','','','2024-07-01 00:00:07','2024-07-01 00:00:07','',4192,'https://smartinsurance.tips/?p=4194',0,'revision','',0),(4195,1,'2024-07-01 00:34:12','2024-07-01 00:34:12','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4196,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/07/rsz_1untitled_61.png\" alt=\"\" class=\"wp-image-4196\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>The ultimate productivity hack is saying no.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Not doing something will always be faster than doing it. This statement reminds me of the old computer programming saying, “Remember that there is no code faster than no code.”<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The same philosophy applies in other areas of life. For example, there is no meeting that goes faster than not having a meeting at all.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This is not to say you should never attend another meeting, but the truth is that we say yes to many things we don’t actually want to do. There are many meetings held that don’t need to be held. There is a lot of code written that could be deleted.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>How often do people ask you to do something and you just reply, “Sure thing.” Three days later, you’re overwhelmed by how much is on your to-do list. We become frustrated by our obligations even though we were the ones who said yes to them in the first place.<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It’s worth asking if things are necessary. Many of them are not, and a simple “no” will be more productive than whatever work the most efficient person can muster.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But if the benefits of saying no are so obvious, then why do we say yes so often?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"title_0\">Why We Say Yes</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>We agree to many requests not because we want to do them, but because we don’t want to be seen as rude, arrogant, or unhelpful. Often, you have to consider saying no to someone you will interact with again in the future—your co-worker, your spouse, your family and friends.<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Saying no to these people can be particularly difficult because we like them and want to support them. (Not to mention, we often need their help too.) Collaborating with others is an important element of life. The thought of straining the relationship outweighs the commitment of our time and energy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For this reason, it can be helpful to be gracious in your response. Do whatever favors you can, and be warm-hearted and direct when you have to say no.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But even after we have accounted for these social considerations, many of us still seem to do a poor job of managing the tradeoff between yes and no. We find ourselves over-committed to things that don’t meaningfully improve or support those around us, and certainly don’t improve our own lives.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Perhaps one issue is how we think about the meaning of yes and no.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"title_1\">The Difference Between Yes and No</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The words “yes” and “no” get used in comparison to each other so often that it feels like they carry equal weight in conversation. In reality, they are not just opposite in meaning, but of entirely different magnitudes in commitment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>When you say no, you are only saying no to&nbsp;<em>one</em>&nbsp;option. When you say yes, you are saying no to&nbsp;<em>every other</em>&nbsp;option.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>I like how the economist Tim Harford put it, “Every time we say yes to a request, we are also saying no to anything else we might accomplish with the time.”<a href=\"https://jamesclear.com/saying-no#\"></a>&nbsp;Once you have committed to something, you have already decided how that future block of time will be spent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In other words, saying no saves you time in the future. Saying yes costs you time in the future. No is a form of time credit. You retain the ability to spend your future time however you want. Yes is a form of time debt. You have to pay back your commitment at some point.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>No is a decision. Yes is a responsibility.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"title_2\">The Role of No</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Saying no is sometimes seen as a luxury that only those in power can afford. And it is true: turning down opportunities is easier when you can fall back on the safety net provided by power, money, and authority. But it is also true that saying no is not merely a privilege reserved for the successful among us. It is also a strategy that can help you&nbsp;<em>become</em>&nbsp;successful.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Saying no is an important skill to develop at any stage of your career because it retains the most important asset in life: your time. As the investor Pedro Sorrentino put it, “If you don’t guard your time, people will steal it from you.”<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You need to say no to whatever isn’t leading you toward your goals. You need to say no to distractions. As one reader told me, “If you broaden the definition as to how you apply no, it actually is the&nbsp;<em>only</em>&nbsp;productivity hack (as you ultimately say no to any distraction in order to be productive).”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Nobody embodied this idea better than Steve Jobs, who said, “People think focus means saying yes to the thing you’ve got to focus on. But that’s not what it means at all. It means saying no to the hundred other good ideas that there are. You have to pick carefully.”<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>There is an important balance to strike here. Saying no doesn’t mean you’ll never do anything interesting or innovative or spontaneous. It just means that you say yes in a focused way. Once you have knocked out the distractions, it can make sense to say yes to any opportunity that could potentially move you in the right direction. You may have to try many things to discover what works and what you enjoy. This period of exploration can be particularly important at the beginning of a project, job, or career.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"title_3\">Upgrading Your No</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Over time, as you continue to improve and succeed, your strategy needs to change.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The opportunity cost of your time increases as you become more successful. At first, you just eliminate the obvious distractions and explore the rest. As your skills improve and you learn to separate what works from what doesn’t, you have to continually increase your threshold for saying yes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You still need to say no to distractions, but you also need to learn to say no to opportunities that were previously good uses of time, so you can make space for great uses of time. It’s a good problem to have, but it can be a tough skill to master.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In other words, you have to upgrade your “no’s” over time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Upgrading your no doesn’t mean you’ll never say yes. It just means you default to saying no and only say yes when it&nbsp;<em>really</em>&nbsp;makes sense. To quote the investor Brent Beshore, “Saying no is so powerful because it preserves the opportunity to say yes.”<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The general trend seems to be something like this: If you can learn to say no to bad distractions, then eventually you’ll earn the right to say no to good opportunities.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"title_4\">How to Say No</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most of us are probably too quick to say yes and too slow to say no. It’s worth asking yourself where you fall on that spectrum.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you have trouble saying no, you may find the following strategy proposed by Tim Harford, the British economist I mentioned earlier, to be helpful. He writes, “One trick is to ask, “If I had to do this today, would I agree to it?” It’s not a bad rule of thumb, since any future commitment, no matter how far away it might be, will eventually become an imminent problem.”<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If an opportunity is exciting enough to drop whatever you’re doing right now, then it’s a yes. If it’s not, then perhaps you should think twice.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This is similar to the well-known “Hell Yeah or No” method from Derek Sivers. If someone asks you to do something and your first reaction is “Hell Yeah!”, then do it. If it doesn’t excite you, then say no.<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It’s impossible to remember to ask yourself these questions each time you face a decision, but it’s still a useful exercise to revisit from time to time. Saying no can be difficult, but it is often easier than the alternative. As writer Mike Dariano has pointed out, “It’s easier to avoid commitments than get out of commitments. Saying no keeps you toward the easier end of this spectrum.”<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>What is true about health is also true about productivity: an ounce of prevention is worth a pound of cure.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"title_5\">The Power of No</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>More effort is wasted doing things that don’t matter than is wasted doing things inefficiently. And if that is the case, elimination is a more useful skill than optimization.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>I am reminded of the famous Peter Drucker quote, “There is nothing so useless as doing efficiently that which should not be done at all.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://jamesclear.com/saying-no\">click here.</a></p>\n<!-- /wp:paragraph -->','The Ultimate Productivity Hack is Saying No','','publish','closed','closed','','the-ultimate-productivity-hack-is-saying-no','','','2024-07-01 00:34:13','2024-07-01 00:34:13','',0,'https://smartinsurance.tips/?p=4195',0,'post','',0),(4196,1,'2024-07-01 00:23:47','2024-07-01 00:23:47','','rsz_1untitled_61','','inherit','closed','closed','','rsz_1untitled_61','','','2024-07-01 00:23:47','2024-07-01 00:23:47','',4195,'http://smartinsurance.tips/wp-content/uploads/2024/07/rsz_1untitled_61.png',0,'attachment','image/png',0),(4197,1,'2024-07-01 00:34:12','2024-07-01 00:34:12','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4196,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/07/rsz_1untitled_61.png\" alt=\"\" class=\"wp-image-4196\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>The ultimate productivity hack is saying no.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Not doing something will always be faster than doing it. This statement reminds me of the old computer programming saying, “Remember that there is no code faster than no code.”<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The same philosophy applies in other areas of life. For example, there is no meeting that goes faster than not having a meeting at all.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This is not to say you should never attend another meeting, but the truth is that we say yes to many things we don’t actually want to do. There are many meetings held that don’t need to be held. There is a lot of code written that could be deleted.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>How often do people ask you to do something and you just reply, “Sure thing.” Three days later, you’re overwhelmed by how much is on your to-do list. We become frustrated by our obligations even though we were the ones who said yes to them in the first place.<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It’s worth asking if things are necessary. Many of them are not, and a simple “no” will be more productive than whatever work the most efficient person can muster.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But if the benefits of saying no are so obvious, then why do we say yes so often?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"title_0\">Why We Say Yes</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>We agree to many requests not because we want to do them, but because we don’t want to be seen as rude, arrogant, or unhelpful. Often, you have to consider saying no to someone you will interact with again in the future—your co-worker, your spouse, your family and friends.<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Saying no to these people can be particularly difficult because we like them and want to support them. (Not to mention, we often need their help too.) Collaborating with others is an important element of life. The thought of straining the relationship outweighs the commitment of our time and energy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For this reason, it can be helpful to be gracious in your response. Do whatever favors you can, and be warm-hearted and direct when you have to say no.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But even after we have accounted for these social considerations, many of us still seem to do a poor job of managing the tradeoff between yes and no. We find ourselves over-committed to things that don’t meaningfully improve or support those around us, and certainly don’t improve our own lives.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Perhaps one issue is how we think about the meaning of yes and no.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"title_1\">The Difference Between Yes and No</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The words “yes” and “no” get used in comparison to each other so often that it feels like they carry equal weight in conversation. In reality, they are not just opposite in meaning, but of entirely different magnitudes in commitment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>When you say no, you are only saying no to&nbsp;<em>one</em>&nbsp;option. When you say yes, you are saying no to&nbsp;<em>every other</em>&nbsp;option.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>I like how the economist Tim Harford put it, “Every time we say yes to a request, we are also saying no to anything else we might accomplish with the time.”<a href=\"https://jamesclear.com/saying-no#\"></a>&nbsp;Once you have committed to something, you have already decided how that future block of time will be spent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In other words, saying no saves you time in the future. Saying yes costs you time in the future. No is a form of time credit. You retain the ability to spend your future time however you want. Yes is a form of time debt. You have to pay back your commitment at some point.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>No is a decision. Yes is a responsibility.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"title_2\">The Role of No</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Saying no is sometimes seen as a luxury that only those in power can afford. And it is true: turning down opportunities is easier when you can fall back on the safety net provided by power, money, and authority. But it is also true that saying no is not merely a privilege reserved for the successful among us. It is also a strategy that can help you&nbsp;<em>become</em>&nbsp;successful.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Saying no is an important skill to develop at any stage of your career because it retains the most important asset in life: your time. As the investor Pedro Sorrentino put it, “If you don’t guard your time, people will steal it from you.”<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You need to say no to whatever isn’t leading you toward your goals. You need to say no to distractions. As one reader told me, “If you broaden the definition as to how you apply no, it actually is the&nbsp;<em>only</em>&nbsp;productivity hack (as you ultimately say no to any distraction in order to be productive).”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Nobody embodied this idea better than Steve Jobs, who said, “People think focus means saying yes to the thing you’ve got to focus on. But that’s not what it means at all. It means saying no to the hundred other good ideas that there are. You have to pick carefully.”<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>There is an important balance to strike here. Saying no doesn’t mean you’ll never do anything interesting or innovative or spontaneous. It just means that you say yes in a focused way. Once you have knocked out the distractions, it can make sense to say yes to any opportunity that could potentially move you in the right direction. You may have to try many things to discover what works and what you enjoy. This period of exploration can be particularly important at the beginning of a project, job, or career.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"title_3\">Upgrading Your No</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Over time, as you continue to improve and succeed, your strategy needs to change.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The opportunity cost of your time increases as you become more successful. At first, you just eliminate the obvious distractions and explore the rest. As your skills improve and you learn to separate what works from what doesn’t, you have to continually increase your threshold for saying yes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You still need to say no to distractions, but you also need to learn to say no to opportunities that were previously good uses of time, so you can make space for great uses of time. It’s a good problem to have, but it can be a tough skill to master.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In other words, you have to upgrade your “no’s” over time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Upgrading your no doesn’t mean you’ll never say yes. It just means you default to saying no and only say yes when it&nbsp;<em>really</em>&nbsp;makes sense. To quote the investor Brent Beshore, “Saying no is so powerful because it preserves the opportunity to say yes.”<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The general trend seems to be something like this: If you can learn to say no to bad distractions, then eventually you’ll earn the right to say no to good opportunities.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"title_4\">How to Say No</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most of us are probably too quick to say yes and too slow to say no. It’s worth asking yourself where you fall on that spectrum.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you have trouble saying no, you may find the following strategy proposed by Tim Harford, the British economist I mentioned earlier, to be helpful. He writes, “One trick is to ask, “If I had to do this today, would I agree to it?” It’s not a bad rule of thumb, since any future commitment, no matter how far away it might be, will eventually become an imminent problem.”<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If an opportunity is exciting enough to drop whatever you’re doing right now, then it’s a yes. If it’s not, then perhaps you should think twice.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This is similar to the well-known “Hell Yeah or No” method from Derek Sivers. If someone asks you to do something and your first reaction is “Hell Yeah!”, then do it. If it doesn’t excite you, then say no.<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It’s impossible to remember to ask yourself these questions each time you face a decision, but it’s still a useful exercise to revisit from time to time. Saying no can be difficult, but it is often easier than the alternative. As writer Mike Dariano has pointed out, “It’s easier to avoid commitments than get out of commitments. Saying no keeps you toward the easier end of this spectrum.”<a href=\"https://jamesclear.com/saying-no#\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>What is true about health is also true about productivity: an ounce of prevention is worth a pound of cure.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"title_5\">The Power of No</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>More effort is wasted doing things that don’t matter than is wasted doing things inefficiently. And if that is the case, elimination is a more useful skill than optimization.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>I am reminded of the famous Peter Drucker quote, “There is nothing so useless as doing efficiently that which should not be done at all.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://jamesclear.com/saying-no\">click here.</a></p>\n<!-- /wp:paragraph -->','The Ultimate Productivity Hack is Saying No','','inherit','closed','closed','','4195-revision-v1','','','2024-07-01 00:34:12','2024-07-01 00:34:12','',4195,'https://smartinsurance.tips/?p=4197',0,'revision','',0),(4198,1,'2024-07-01 00:38:24','2024-07-01 00:38:24','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4199,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-64-1024x1024.png\" alt=\"\" class=\"wp-image-4199\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0\">Wondering how to retire early? Lots of people would like an early escape from the rat race, whether it is to travel, pursue a passion project, start a business, volunteer, or just stop working.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_3-0\">However, retirement planning is tricky enough when you plan to work until your full retirement age. It is even more so if you want to stop working years—or even decades—sooner.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_5-0\">Can it be done? Absolutely. But unless you are independently wealthy—and few people are—it will take work and discipline. Here are five key steps to take.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0\">KEY TAKEAWAYS</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>To start planning for early retirement, estimate your monthly expenses and calculate how large of a nest egg you will need before you can retire.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Ideally, you will be debt-free when you enter retirement, and it is generally considered that roughly 70% of an individual\'s income from their last job before retirement is a good retirement income.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>When retiring early, you have less time to save for retirement and more time to spend in retirement, so try to budget wisely and max out your retirement accounts.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Consulting a financial advisor can help you manage your savings and investments before retirement and your income from dividends, required minimum distributions, Social Security, defined-benefit plans, and real estate investments during retirement.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_9-0\">Step 1: Estimate Your Retirement Expenses</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_10-0\">If you want to retire early, the first step is to estimate how much money you will spend each month once you retire. Start by adding up expenses for things you cannot avoid, such as housing, food, clothing, utilities, transportation, insurance, and healthcare.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_12-0\">Ideally, you will enter retirement debt-free. That means no mortgage, no credit card balance, no outstanding medical bills, and no student loans or other debt; however, if you are still paying off any debts, be sure those payments are included in your budget.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_14-0\">Next, add in any discretionary expenses you will have, including those for entertainment, travel, and hobbies. Add everything together to ascertain how much you will need each month to maintain the retirement lifestyle you envision.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_16-0\">Of course, keep in mind that your budget will change as you reach different phases of retirement—you may decide to drop your life insurance policy, for example. This preliminary budget will be a good starting point, so it is worth taking the time to make it as accurate and realistic as possible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_18-0\">Step 2: Calculate How Much You Need to Retire</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_19-0\">Now that you have an estimate for your monthly spending, the next step is to calculate how much money you need to save. There are several ways to estimate this. One approach is to have between 25 and 30 times your expected yearly expenses plus the cash to cover one year\'s worth of expenses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_21-0\">Start with your monthly expenses and multiply by 12 to obtain an annual estimate. Next, find your \"target\" range. Here\'s an example. Assume your monthly expenses will be $5,000—or $60,000 per year. Using this approach, you will need between $1.5 million and $1.8 million to retire plus $60,000 in cash.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_23-0\">Another approach is to take your estimated annual expenses and divide them by 4% to see how big your nest egg should be. If you\'re likely to spend $60,000 per year, you will need $1.5 million ($60,000 ÷ 0.04).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_25-0\">If you want more wiggle room in retirement, try dividing by 3% (or somewhere between 3% and 4%). With the same $60,000 per year budget, you will need $2 million ($60,000 ÷ 0.03). It\'s always better to have a cushion.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_27-0\">To see how close you are to your retirement goal, subtract your current nest egg from your target number. For example, if you need $1.5 million and you already have $500,000, you\'ll need $1 million more before you can retire.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_29-0\">Step 3: Adjust Your Current Budget</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_30-0\">Here\'s where the discipline comes in. You will have to work to make up that $1 million shortfall—particularly if you want to do it quickly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_32-0\">You have three options here:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_34-0\"><!-- wp:list-item -->\n<li>Spend less</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Earn more</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Do both</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Important:</strong> Remember, the more you earn, and the less you spend, the sooner you can quit your 9-to-5 and start enjoying retirement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_38-0\">You must create a budget so you know where your money goes—and where you can cut back. There are lots of budgeting apps that can make this tedious process a little easier.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_40-0\">Step 4: Max Out Your Retirement Accounts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_41-0\">Regardless of when you plan to retire, it\'s wise to start early and save frequently. Retirement accounts like individual retirement accounts (IRAs) and 401(k)s are a great way to do this.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_43-0\">While you are still working, do everything you can to max out your retirement accounts. A traditional IRA allows you to contribute to your retirement, the earnings grow tax-free, and you get a tax deduction in the tax year you contribute; however, when the money is withdrawn in retirement, it\'s taxed at your income tax rate in the year of the withdrawal.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_45-0\">Conversely, a Roth IRA allows certain distributions or withdrawals to be made on a tax-free basis, and your earnings grow tax-free; however, Roth IRAs do not offer a tax deduction in the years they\'re funded.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_47-0\">For 2023, an individual can contribute up to $6,500 each year to a traditional or Roth IRA. If you are aged 50 or older, you can add a $1,000 catch-up contribution for 2023, for a total contribution limit of $7,500. For 2024, these numbers are $7,000, $1,000, and $8,000, respectively.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_49-0\">If you have a 401(k) at work, you can contribute up to $22,500 in 2023 and $23,000 in 2024. If you are aged 50 or older, you can contribute an additional $7,500 in both years. Be sure to invest enough to take advantage of any match your employer offers; it\'s free money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_51-0\">Step 5: Work With a Financial Advisor</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_52-0\">If you want to retire early, you have two big challenges:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol id=\"mntl-sc-block_54-0\"><!-- wp:list-item -->\n<li>You have less time to save for retirement.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>You have more time to spend in retirement.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_56-0\">Unless you\'re a rock star investor, it\'s a good idea to work regularly with a financial advisor. An advisor can help you develop an investment strategy to make it easier to reach your retirement goals. They can also show you exactly how much you need to invest each month to reach your goal within a certain number of years.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_58-0\">Once you retire, your advisor can help you manage your income streams to make sure the money lasts. Income streams might include income from dividends, required minimum distributions, Social Security, defined-benefit plans, and real estate investments.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_60-0\">Take the time to find an advisor you are compatible with—you could end up working with them for decades, after all. If you are concerned about the cost of a financial advisor, remember that you are not just paying for their time; you are paying for their expertise. If you find the right advisor, that expertise will more than make up for the expense.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What Is a Good Monthly Retirement Income?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>What is considered a good monthly retirement income will vary depending on the individual. Many factors will affect what is a good retirement income, such as one\'s current lifestyle, expected lifestyle in retirement, dependents, such as children or grandchildren, outstanding debts, and health. In general, it is considered that around 70% of an individual\'s income from their last job before retirement is a good retirement income.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How Much Can I Contribute to My 401(k)?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>In 2023, you can contribute up to $22,500 to your 401(k) and $23,000 for 2024. If you are aged 50 or older, you can contribute an additional $7,500 for both years.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">At What Age Should a Person Be Debt-Free?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Some experts recommend individuals be debt-free by the time they are 45. This age is suggested because it is the last half of a person\'s career when they should have no debt obligations, other than their mortgage, and should ramp up saving for retirement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_68-0\">The Bottom Line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_69-0\">To work towards early retirement, estimate your retirement expenses, determine your target nest egg, and then save and invest to make it happen. Early retirement may be possible for you, but it requires careful planning and decision-making.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/articles/retirement/08/retiring-early-retirement.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Retire Early','','publish','closed','closed','','how-to-retire-early','','','2024-07-01 00:38:25','2024-07-01 00:38:25','',0,'https://smartinsurance.tips/?p=4198',0,'post','',0),(4199,1,'2024-07-01 00:35:52','2024-07-01 00:35:52','','Untitled-64','','inherit','closed','closed','','untitled-64-2','','','2024-07-01 00:35:52','2024-07-01 00:35:52','',4198,'http://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-64.png',0,'attachment','image/png',0),(4200,1,'2024-07-01 00:38:24','2024-07-01 00:38:24','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4199,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-64-1024x1024.png\" alt=\"\" class=\"wp-image-4199\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0\">Wondering how to retire early? Lots of people would like an early escape from the rat race, whether it is to travel, pursue a passion project, start a business, volunteer, or just stop working.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_3-0\">However, retirement planning is tricky enough when you plan to work until your full retirement age. It is even more so if you want to stop working years—or even decades—sooner.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_5-0\">Can it be done? Absolutely. But unless you are independently wealthy—and few people are—it will take work and discipline. Here are five key steps to take.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0\">KEY TAKEAWAYS</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>To start planning for early retirement, estimate your monthly expenses and calculate how large of a nest egg you will need before you can retire.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Ideally, you will be debt-free when you enter retirement, and it is generally considered that roughly 70% of an individual\'s income from their last job before retirement is a good retirement income.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>When retiring early, you have less time to save for retirement and more time to spend in retirement, so try to budget wisely and max out your retirement accounts.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Consulting a financial advisor can help you manage your savings and investments before retirement and your income from dividends, required minimum distributions, Social Security, defined-benefit plans, and real estate investments during retirement.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_9-0\">Step 1: Estimate Your Retirement Expenses</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_10-0\">If you want to retire early, the first step is to estimate how much money you will spend each month once you retire. Start by adding up expenses for things you cannot avoid, such as housing, food, clothing, utilities, transportation, insurance, and healthcare.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_12-0\">Ideally, you will enter retirement debt-free. That means no mortgage, no credit card balance, no outstanding medical bills, and no student loans or other debt; however, if you are still paying off any debts, be sure those payments are included in your budget.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_14-0\">Next, add in any discretionary expenses you will have, including those for entertainment, travel, and hobbies. Add everything together to ascertain how much you will need each month to maintain the retirement lifestyle you envision.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_16-0\">Of course, keep in mind that your budget will change as you reach different phases of retirement—you may decide to drop your life insurance policy, for example. This preliminary budget will be a good starting point, so it is worth taking the time to make it as accurate and realistic as possible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_18-0\">Step 2: Calculate How Much You Need to Retire</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_19-0\">Now that you have an estimate for your monthly spending, the next step is to calculate how much money you need to save. There are several ways to estimate this. One approach is to have between 25 and 30 times your expected yearly expenses plus the cash to cover one year\'s worth of expenses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_21-0\">Start with your monthly expenses and multiply by 12 to obtain an annual estimate. Next, find your \"target\" range. Here\'s an example. Assume your monthly expenses will be $5,000—or $60,000 per year. Using this approach, you will need between $1.5 million and $1.8 million to retire plus $60,000 in cash.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_23-0\">Another approach is to take your estimated annual expenses and divide them by 4% to see how big your nest egg should be. If you\'re likely to spend $60,000 per year, you will need $1.5 million ($60,000 ÷ 0.04).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_25-0\">If you want more wiggle room in retirement, try dividing by 3% (or somewhere between 3% and 4%). With the same $60,000 per year budget, you will need $2 million ($60,000 ÷ 0.03). It\'s always better to have a cushion.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_27-0\">To see how close you are to your retirement goal, subtract your current nest egg from your target number. For example, if you need $1.5 million and you already have $500,000, you\'ll need $1 million more before you can retire.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_29-0\">Step 3: Adjust Your Current Budget</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_30-0\">Here\'s where the discipline comes in. You will have to work to make up that $1 million shortfall—particularly if you want to do it quickly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_32-0\">You have three options here:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_34-0\"><!-- wp:list-item -->\n<li>Spend less</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Earn more</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Do both</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Important:</strong> Remember, the more you earn, and the less you spend, the sooner you can quit your 9-to-5 and start enjoying retirement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_38-0\">You must create a budget so you know where your money goes—and where you can cut back. There are lots of budgeting apps that can make this tedious process a little easier.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_40-0\">Step 4: Max Out Your Retirement Accounts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_41-0\">Regardless of when you plan to retire, it\'s wise to start early and save frequently. Retirement accounts like individual retirement accounts (IRAs) and 401(k)s are a great way to do this.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_43-0\">While you are still working, do everything you can to max out your retirement accounts. A traditional IRA allows you to contribute to your retirement, the earnings grow tax-free, and you get a tax deduction in the tax year you contribute; however, when the money is withdrawn in retirement, it\'s taxed at your income tax rate in the year of the withdrawal.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_45-0\">Conversely, a Roth IRA allows certain distributions or withdrawals to be made on a tax-free basis, and your earnings grow tax-free; however, Roth IRAs do not offer a tax deduction in the years they\'re funded.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_47-0\">For 2023, an individual can contribute up to $6,500 each year to a traditional or Roth IRA. If you are aged 50 or older, you can add a $1,000 catch-up contribution for 2023, for a total contribution limit of $7,500. For 2024, these numbers are $7,000, $1,000, and $8,000, respectively.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_49-0\">If you have a 401(k) at work, you can contribute up to $22,500 in 2023 and $23,000 in 2024. If you are aged 50 or older, you can contribute an additional $7,500 in both years. Be sure to invest enough to take advantage of any match your employer offers; it\'s free money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_51-0\">Step 5: Work With a Financial Advisor</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_52-0\">If you want to retire early, you have two big challenges:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol id=\"mntl-sc-block_54-0\"><!-- wp:list-item -->\n<li>You have less time to save for retirement.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>You have more time to spend in retirement.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_56-0\">Unless you\'re a rock star investor, it\'s a good idea to work regularly with a financial advisor. An advisor can help you develop an investment strategy to make it easier to reach your retirement goals. They can also show you exactly how much you need to invest each month to reach your goal within a certain number of years.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_58-0\">Once you retire, your advisor can help you manage your income streams to make sure the money lasts. Income streams might include income from dividends, required minimum distributions, Social Security, defined-benefit plans, and real estate investments.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_60-0\">Take the time to find an advisor you are compatible with—you could end up working with them for decades, after all. If you are concerned about the cost of a financial advisor, remember that you are not just paying for their time; you are paying for their expertise. If you find the right advisor, that expertise will more than make up for the expense.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What Is a Good Monthly Retirement Income?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>What is considered a good monthly retirement income will vary depending on the individual. Many factors will affect what is a good retirement income, such as one\'s current lifestyle, expected lifestyle in retirement, dependents, such as children or grandchildren, outstanding debts, and health. In general, it is considered that around 70% of an individual\'s income from their last job before retirement is a good retirement income.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How Much Can I Contribute to My 401(k)?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>In 2023, you can contribute up to $22,500 to your 401(k) and $23,000 for 2024. If you are aged 50 or older, you can contribute an additional $7,500 for both years.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">At What Age Should a Person Be Debt-Free?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Some experts recommend individuals be debt-free by the time they are 45. This age is suggested because it is the last half of a person\'s career when they should have no debt obligations, other than their mortgage, and should ramp up saving for retirement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_68-0\">The Bottom Line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_69-0\">To work towards early retirement, estimate your retirement expenses, determine your target nest egg, and then save and invest to make it happen. Early retirement may be possible for you, but it requires careful planning and decision-making.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/articles/retirement/08/retiring-early-retirement.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Retire Early','','inherit','closed','closed','','4198-revision-v1','','','2024-07-01 00:38:24','2024-07-01 00:38:24','',4198,'https://smartinsurance.tips/?p=4200',0,'revision','',0),(4201,1,'2024-07-01 01:48:00','2024-07-01 01:48:00','<!-- wp:paragraph -->\n<p>Genius ideas from some of our favorite designers and DIYers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4202,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-65-1024x1024.png\" alt=\"\" class=\"wp-image-4202\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>All those amazing projects you’ve been saving on Instagram and Pinterest? It’s time to start crossing them off your list! We rounded up some popular home and life improvements, with how-tos from the people who, y’know, got them done.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_3-0\">Stencil Your Walls</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_5-0\">Wallpaper can be spendy and hard to hang. Understatement of the year? Enter: this idea from Emma Courtney, a DIYer based in Toronto. She faked the luxe look of real paper using paint and a stencil from Etsy. According to Courtney—and the crew who prepped the set for our cover shoot—the key here is patience. “You also want a stencil with a registration mark,” Courtney says. These marks are small design elements cut into the edge of the stencil that help you repeat the pattern evenly. Carve out a few hours per wall, gather your supplies, and follow these steps.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol id=\"mntl-sc-block_7-0\"><!-- wp:list-item -->\n<li>Clean and prep your walls as you normally would before painting, sanding down imperfections and making sure they’re free of grease, dust, and schmutz.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Position your stencil either in a corner or at a focal point (say, the middle of the wall over a fireplace) and start from there.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Use a level to confirm that the stencil is straight and secure it with painter’s tape around the edges.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Dip a foam roller or foam brush in paint and remove any excess. Roll or dab it over the stencil—gently! It’s better to use a light touch and apply multiple layers than to go super heavy on the first stab and risk bleeding. Add more coats as needed.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Once you’re finished with that spot, carefully remove the stencil and place it next to the section you just completed, lining it up evenly. Secure it with painter’s tape and repeat! Keep repeating until the entire wall has been stenciled.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Finish with touch-ups. Go in with a small paint-brush to clean up edges or fill in any spots.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_11-0\">Add Cookbook Storage to Your Kitchen Island</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_13-0\">“I’d been looking for a place to store my cookbooks that wasn’t on my limited counter space,” says DIYer Danielle Guerrero of Corona, California. Eventually, she came up with the idea to add picture ledges to the side of her kitchen island—real estate that had been going to waste.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_15-0\">Danielle made her own shelves, but you don’t have to! These ready-to-hang options should work great: Wave 32-Inch Shelf,<em> </em>Pop Color 24-InchPhoto Ledge, and<em> </em>Syler ModernMetal Wall Shelf.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_17-0\">DIY a Headboard</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_19-0\">Any guesses as to what this headboard is made out of? Hint: The answer rhymes with <em>schmool boodles. </em>That’s right—pool noodles! Margaret Wright, an interior photographer in Charleston, South Carolina, used them for this splashy design. “I wanted a large arch, and when I saw a different DIY involving stacked noodles, I realized it was a great solution. I could bend them to create what I wanted,” she says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_21-0\">First, she measured her space and mapped out the dimensions. Then she wrapped a bunch of pool noodles in fabric using hot glue, and glued some noodles together to make long-enough pieces. She attached the noodles to a foam-board backing, which she had cut out in an arch shape and covered with that same fabric. Row after row, she repeated until she had a nice border. She really used her noodle!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_23-0\">Fake a Giant Piece of Art</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_25-0\">What is art? If you ask Amelia Lawrence, a Jonesborough, Tennessee–based designer, it can be a shower curtain! And we don’t disagree. Most curtains measure around 72 by 72 inches, and Lawrence is a fan of the two-thirds rule: If you’re hanging art over a sofa or buffet, the frame should be two-thirds the width of the furniture. So for the above design, she pulled out the scissors to create a 62-inch-wide piece.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_27-0\">She built the frame out of narrow wood boards, cutting them with a miter saw and screwing them together. Next, she added a “base” layer—a flat white sheet stapled tightly onto the frame (you’ll need a buddy to help). Then, she placed her shower curtain on top, stapling it to the back of the frame at all four corners. She snipped off excess fabric and hung up her new custom piece. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_29-0\">Replace Pantry Doors With Something Unique</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_31-0\">Houston-based DIYer and designer Ryia Jose could have bought brand-new doors for her pantry but decided on a more original approach. She found banged-up European double doors on Facebook Marketplace for $500 and got to work. First she sanded down the rough spots and applied wax polish to help protect the wood. Then she gave the glass a major scrub with MeanGreen Degreaser to remove decades of dirt. She replaced missing panes with green stained glass from a wholesaler, using a bit of silicone sealant (a.k.a. glue). The final steps were adding brass hinges, a magnetic door closure, and vintage brass doorknobs from Etsy. “All in all, these doors were a project, but I’m stoked with how they turned out,” Jose says. “They make such a statement in my kitchen.” A<em>door</em>able!<br></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_33-0\">Hide the TV</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_35-0\">Amanda Walker came up with a cute and easy way to hide her big screen when it’s not in use. First, the Dallas blogger made a shelf a couple of inches wider than her TV, with a lip at the bottom deep enough to house a rolled-up shade. (If you buy a shelf, get one with an apron trim on the bottom.) Then she mounted the shelf above the TV. For the curtain, she sewed small elastic loops onto the top of a piece of fabric, which could hang from screws inside the shelf. She also sewed a dowel into a bottom pouch to add weight to the curtain—and make it easier to roll up for movie night.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_37-0\">Get Playful With Your Cords</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_39-0\">Blogger Krystle Perkins, who lives in Dallas, bought two bedside sconces with thick black cords. She didn’t want to pay an electrician to wire them, so she got creative. “I had an aha moment,” she says. “What if I viewed the cords as an extension of the fixture itself and had fun with it? ”She used heavy-duty double-sided tape to adhere the cords to the wall in squiggly lines, hot-gluing the switches right to the headboard so she could easily access them. Now the cords look intentional! Oh, and the whole project took less than 30 minutes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_41-0\">Spice Up Your Grout</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_43-0\">Grout is not the sexiest thing in your home. (That’d be you!) But people have been playing around with it lately, swapping out the typical white or gray stuff for colorful or sparkly grout. Allann Arnold, owner and principal designer at Hollace Homes (@hollacehomes) in Wimberley, Texas, went with bold magenta around the simple white tiles in this laundry room. While she had hers custom-made to match the paint color on an accent wall (Exuberant Pink 6840 by Sherwin-Williams), you can shop for ready-to-go options at hemway.com.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_45-0\">Paint an Outdoor Mural</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_47-0\">Fact: Even if you’re not all that artistic, you’re still capable of painting a mural! Liz Rishel projected a design onto an exterior wall of her home in Orlando, Florida. Then she traced each section with chalk in colors similar to the paint colors she’d ultimately use—to remember which was going where. She suggests applying two coats of outdoor paint and grabbing a one-inch brush for crisp edges. A three- or four-inch brush is good for filling in the larger areas. Now go forth and release your inner Keith Haring!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_49-0\">Limewash Your Walls</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_51-0\">For walls that give off old-money vibes, try a mineral paint limewash. Alexandra Gater used the technique to create a textured feature wall behind the bed in this Toronto home. “I love using limewash paint because you don’t need to be precise, which makes it super easy,” she says. Here’s what she thinks you need to know:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_53-0\"><!-- wp:list-item -->\n<li>Limewash can come ready-to-use or as a formula that needs water mixed in. Go for the latter. “Adding water will alter the color of the limewash, but it gives it a beautiful watercolor look, and I like having control of the dilution,” Gater says. She chose a cool teal shade called Moonstone from the paint brand Pure &amp; Original (FrescoLime Paint, umarisoul.com). Another suggestion: Portola Paints.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Use a limewash block brush, which has denser bristles than a regular paintbrush. Because limewash is on the watery side, you need a brush that will hold a significant amount of it. The Limewash Block Brush is a good one.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Gater says that applying limewash is like painting a giant piece of freehand art. Use an X motion to create organic strokes. And don’t worry about making your strokes uniform, she adds. Limewash is meant to look imperfect.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Two coats should do the trick—if you add more than that, you’ll lose the variation in shades, and the wall will look less textured.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Don’t panic if your wet paint looks much darker than you were expecting. Limewash lightens as it dries!</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_55-0\">Add Crown Molding</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_57-0\">Though her 1890s New York City apartment had tons of character, Hattie Kolp felt it was sorely lacking in the crown molding department.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_59-0\">So she ordered lightweight urethane trim with a leafy pattern (Palmetto 3 3/4\" Crown Moulding), rented a 12-inch miter saw and an 18-gauge brad nailer from The Home Depot, and brought in a helper from TaskRabbit to handle the tricky cuts (old buildings tend not to have straight walls). There were some tense moments, but Kolp remembered the mantra, “A little caulk and paint make it what it ain’t.” Once the final touches were done, everything blended in seamlessly. “The molding is the icing on the cake of my Parisian-inspired apartment,” she says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_61-0\">Build Some Wine Storage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_63-0\">No wine cellar? No problem! Zoe Hunt turned an empty cabinet in her Durham, North Carolina, kitchen into a wine rack using oak plywood. She cut boards to fit her cabinet’s dimensions and ironed on edge banding (wood tape) to cover outer facing sides and make the pieces look like solid wood. Next, she used a jigsaw to cut grooves halfway through the boards, allowing her to slide them together like a 3D puzzle. After that, she nailed more boards to the back and sides of the gridded pieces to create a box. To finish her project, she coated the wood with Minwax Rustic Beige Stain, placed the rack in the empty cabinet—and opened a bottle.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_65-0\">Update Builder-Grade Doors</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_67-0\">Jenna LeBlanc of Jenna Sue Design Co. found a way to upgrade the basic hollow doors in her Tampa, Florida, home without breaking the bank—or wasting the old ones. How? She covered both sides with shiplap panels from The Home Depot! She took the doors off their hinges, measured them, and cut matching pieces of shiplap with a table saw. (Shiplap is thin and fairly easy to cut.) She glued the panels to each side of the door with Liquid Nails and held each “door sandwich” together with clamps until it was dry. After rehanging the doors, she applied an oil-based primer and painted them. The a<em>door</em>ableness continues!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_69-0\">Build Raised Garden Beds</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_71-0\">After Ryan McEnaney and his husband closed on their home in Woodbury, Minnesota, they wanted to boost its curb appeal quickly while they figured out the more major renovations. “I built four-foot flower boxes to line the main walkway, elevate plants, and add lots of color and texture to the front landscape,” he says. It took a bit of time and a whole lot of two-by-fours, but it was just the fix for their work-in-progress yard.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_73-0\">Install Faux Beams</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_75-0\">It’s hard <em>not </em>to gasp at a room with beams across the ceiling. That’s partly why DIYer Jenni Yolo of I SPY DIY added them to her 1875 Milwaukee home. The kitchen ceiling had joists, which could support the planks, so she went to her local home supply store and bought two-by-six-inch cedar boards in 12-foot-long pieces. “A lot of people think they have to do the big, heavier beams. I love that, but these smaller beams were much simpler to install,” she says. She and her husband cut them to fit the ceiling length and screwed them into the joists. To finish the job, you can add caulk where the beam meets the ceiling to give the illusion that the wood is recessed into the ceiling.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_77-0\">Call In Professional Help</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_78-0\">The REAL SIMPLE crowd is a handy crowd. Sometimes, though, an expert knows best. If you’re hanging new siding, adding a deck, or installing new windows, for example, you may need a pro. We asked Angie Hicks, chief customer officer at our affiliate brand Angi, a home project and repair referral site, for tips on how to find the right one.<strong></strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_80-0\">Ask for references—and call them! Talk to people who’ve had a project completed&nbsp;<em>and</em><br>people who have a project underway to get the full picture, Hicks says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_82-0\">Confirm your contractor is licensed and insured. You can use Angi’s search tool to figure out your state’s requirements.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_84-0\">Have the contractor walk you through the expected timeline. “Find out if there’s anything that could derail the schedule,” Hicks says. “You don’t want to be surprised.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/get-it-done-2024-8631399\">click here.</a></p>\n<!-- /wp:paragraph -->','Get It Done: 15 DIY Projects To Upgrade Your Home on a Budget','','publish','closed','closed','','get-it-done-15-diy-projects-to-upgrade-your-home-on-a-budget','','','2024-07-01 01:48:01','2024-07-01 01:48:01','',0,'https://smartinsurance.tips/?p=4201',0,'post','',0),(4202,1,'2024-07-01 00:40:39','2024-07-01 00:40:39','','Untitled-65','','inherit','closed','closed','','untitled-65','','','2024-07-01 00:40:39','2024-07-01 00:40:39','',4201,'http://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-65.png',0,'attachment','image/png',0),(4203,1,'2024-07-01 01:48:00','2024-07-01 01:48:00','<!-- wp:paragraph -->\n<p>Genius ideas from some of our favorite designers and DIYers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4202,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-65-1024x1024.png\" alt=\"\" class=\"wp-image-4202\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>All those amazing projects you’ve been saving on Instagram and Pinterest? It’s time to start crossing them off your list! We rounded up some popular home and life improvements, with how-tos from the people who, y’know, got them done.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_3-0\">Stencil Your Walls</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_5-0\">Wallpaper can be spendy and hard to hang. Understatement of the year? Enter: this idea from Emma Courtney, a DIYer based in Toronto. She faked the luxe look of real paper using paint and a stencil from Etsy. According to Courtney—and the crew who prepped the set for our cover shoot—the key here is patience. “You also want a stencil with a registration mark,” Courtney says. These marks are small design elements cut into the edge of the stencil that help you repeat the pattern evenly. Carve out a few hours per wall, gather your supplies, and follow these steps.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol id=\"mntl-sc-block_7-0\"><!-- wp:list-item -->\n<li>Clean and prep your walls as you normally would before painting, sanding down imperfections and making sure they’re free of grease, dust, and schmutz.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Position your stencil either in a corner or at a focal point (say, the middle of the wall over a fireplace) and start from there.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Use a level to confirm that the stencil is straight and secure it with painter’s tape around the edges.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Dip a foam roller or foam brush in paint and remove any excess. Roll or dab it over the stencil—gently! It’s better to use a light touch and apply multiple layers than to go super heavy on the first stab and risk bleeding. Add more coats as needed.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Once you’re finished with that spot, carefully remove the stencil and place it next to the section you just completed, lining it up evenly. Secure it with painter’s tape and repeat! Keep repeating until the entire wall has been stenciled.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Finish with touch-ups. Go in with a small paint-brush to clean up edges or fill in any spots.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_11-0\">Add Cookbook Storage to Your Kitchen Island</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_13-0\">“I’d been looking for a place to store my cookbooks that wasn’t on my limited counter space,” says DIYer Danielle Guerrero of Corona, California. Eventually, she came up with the idea to add picture ledges to the side of her kitchen island—real estate that had been going to waste.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_15-0\">Danielle made her own shelves, but you don’t have to! These ready-to-hang options should work great: Wave 32-Inch Shelf,<em> </em>Pop Color 24-InchPhoto Ledge, and<em> </em>Syler ModernMetal Wall Shelf.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_17-0\">DIY a Headboard</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_19-0\">Any guesses as to what this headboard is made out of? Hint: The answer rhymes with <em>schmool boodles. </em>That’s right—pool noodles! Margaret Wright, an interior photographer in Charleston, South Carolina, used them for this splashy design. “I wanted a large arch, and when I saw a different DIY involving stacked noodles, I realized it was a great solution. I could bend them to create what I wanted,” she says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_21-0\">First, she measured her space and mapped out the dimensions. Then she wrapped a bunch of pool noodles in fabric using hot glue, and glued some noodles together to make long-enough pieces. She attached the noodles to a foam-board backing, which she had cut out in an arch shape and covered with that same fabric. Row after row, she repeated until she had a nice border. She really used her noodle!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_23-0\">Fake a Giant Piece of Art</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_25-0\">What is art? If you ask Amelia Lawrence, a Jonesborough, Tennessee–based designer, it can be a shower curtain! And we don’t disagree. Most curtains measure around 72 by 72 inches, and Lawrence is a fan of the two-thirds rule: If you’re hanging art over a sofa or buffet, the frame should be two-thirds the width of the furniture. So for the above design, she pulled out the scissors to create a 62-inch-wide piece.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_27-0\">She built the frame out of narrow wood boards, cutting them with a miter saw and screwing them together. Next, she added a “base” layer—a flat white sheet stapled tightly onto the frame (you’ll need a buddy to help). Then, she placed her shower curtain on top, stapling it to the back of the frame at all four corners. She snipped off excess fabric and hung up her new custom piece. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_29-0\">Replace Pantry Doors With Something Unique</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_31-0\">Houston-based DIYer and designer Ryia Jose could have bought brand-new doors for her pantry but decided on a more original approach. She found banged-up European double doors on Facebook Marketplace for $500 and got to work. First she sanded down the rough spots and applied wax polish to help protect the wood. Then she gave the glass a major scrub with MeanGreen Degreaser to remove decades of dirt. She replaced missing panes with green stained glass from a wholesaler, using a bit of silicone sealant (a.k.a. glue). The final steps were adding brass hinges, a magnetic door closure, and vintage brass doorknobs from Etsy. “All in all, these doors were a project, but I’m stoked with how they turned out,” Jose says. “They make such a statement in my kitchen.” A<em>door</em>able!<br></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_33-0\">Hide the TV</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_35-0\">Amanda Walker came up with a cute and easy way to hide her big screen when it’s not in use. First, the Dallas blogger made a shelf a couple of inches wider than her TV, with a lip at the bottom deep enough to house a rolled-up shade. (If you buy a shelf, get one with an apron trim on the bottom.) Then she mounted the shelf above the TV. For the curtain, she sewed small elastic loops onto the top of a piece of fabric, which could hang from screws inside the shelf. She also sewed a dowel into a bottom pouch to add weight to the curtain—and make it easier to roll up for movie night.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_37-0\">Get Playful With Your Cords</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_39-0\">Blogger Krystle Perkins, who lives in Dallas, bought two bedside sconces with thick black cords. She didn’t want to pay an electrician to wire them, so she got creative. “I had an aha moment,” she says. “What if I viewed the cords as an extension of the fixture itself and had fun with it? ”She used heavy-duty double-sided tape to adhere the cords to the wall in squiggly lines, hot-gluing the switches right to the headboard so she could easily access them. Now the cords look intentional! Oh, and the whole project took less than 30 minutes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_41-0\">Spice Up Your Grout</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_43-0\">Grout is not the sexiest thing in your home. (That’d be you!) But people have been playing around with it lately, swapping out the typical white or gray stuff for colorful or sparkly grout. Allann Arnold, owner and principal designer at Hollace Homes (@hollacehomes) in Wimberley, Texas, went with bold magenta around the simple white tiles in this laundry room. While she had hers custom-made to match the paint color on an accent wall (Exuberant Pink 6840 by Sherwin-Williams), you can shop for ready-to-go options at hemway.com.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_45-0\">Paint an Outdoor Mural</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_47-0\">Fact: Even if you’re not all that artistic, you’re still capable of painting a mural! Liz Rishel projected a design onto an exterior wall of her home in Orlando, Florida. Then she traced each section with chalk in colors similar to the paint colors she’d ultimately use—to remember which was going where. She suggests applying two coats of outdoor paint and grabbing a one-inch brush for crisp edges. A three- or four-inch brush is good for filling in the larger areas. Now go forth and release your inner Keith Haring!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_49-0\">Limewash Your Walls</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_51-0\">For walls that give off old-money vibes, try a mineral paint limewash. Alexandra Gater used the technique to create a textured feature wall behind the bed in this Toronto home. “I love using limewash paint because you don’t need to be precise, which makes it super easy,” she says. Here’s what she thinks you need to know:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_53-0\"><!-- wp:list-item -->\n<li>Limewash can come ready-to-use or as a formula that needs water mixed in. Go for the latter. “Adding water will alter the color of the limewash, but it gives it a beautiful watercolor look, and I like having control of the dilution,” Gater says. She chose a cool teal shade called Moonstone from the paint brand Pure &amp; Original (FrescoLime Paint, umarisoul.com). Another suggestion: Portola Paints.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Use a limewash block brush, which has denser bristles than a regular paintbrush. Because limewash is on the watery side, you need a brush that will hold a significant amount of it. The Limewash Block Brush is a good one.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Gater says that applying limewash is like painting a giant piece of freehand art. Use an X motion to create organic strokes. And don’t worry about making your strokes uniform, she adds. Limewash is meant to look imperfect.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Two coats should do the trick—if you add more than that, you’ll lose the variation in shades, and the wall will look less textured.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Don’t panic if your wet paint looks much darker than you were expecting. Limewash lightens as it dries!</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_55-0\">Add Crown Molding</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_57-0\">Though her 1890s New York City apartment had tons of character, Hattie Kolp felt it was sorely lacking in the crown molding department.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_59-0\">So she ordered lightweight urethane trim with a leafy pattern (Palmetto 3 3/4\" Crown Moulding), rented a 12-inch miter saw and an 18-gauge brad nailer from The Home Depot, and brought in a helper from TaskRabbit to handle the tricky cuts (old buildings tend not to have straight walls). There were some tense moments, but Kolp remembered the mantra, “A little caulk and paint make it what it ain’t.” Once the final touches were done, everything blended in seamlessly. “The molding is the icing on the cake of my Parisian-inspired apartment,” she says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_61-0\">Build Some Wine Storage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_63-0\">No wine cellar? No problem! Zoe Hunt turned an empty cabinet in her Durham, North Carolina, kitchen into a wine rack using oak plywood. She cut boards to fit her cabinet’s dimensions and ironed on edge banding (wood tape) to cover outer facing sides and make the pieces look like solid wood. Next, she used a jigsaw to cut grooves halfway through the boards, allowing her to slide them together like a 3D puzzle. After that, she nailed more boards to the back and sides of the gridded pieces to create a box. To finish her project, she coated the wood with Minwax Rustic Beige Stain, placed the rack in the empty cabinet—and opened a bottle.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_65-0\">Update Builder-Grade Doors</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_67-0\">Jenna LeBlanc of Jenna Sue Design Co. found a way to upgrade the basic hollow doors in her Tampa, Florida, home without breaking the bank—or wasting the old ones. How? She covered both sides with shiplap panels from The Home Depot! She took the doors off their hinges, measured them, and cut matching pieces of shiplap with a table saw. (Shiplap is thin and fairly easy to cut.) She glued the panels to each side of the door with Liquid Nails and held each “door sandwich” together with clamps until it was dry. After rehanging the doors, she applied an oil-based primer and painted them. The a<em>door</em>ableness continues!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_69-0\">Build Raised Garden Beds</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_71-0\">After Ryan McEnaney and his husband closed on their home in Woodbury, Minnesota, they wanted to boost its curb appeal quickly while they figured out the more major renovations. “I built four-foot flower boxes to line the main walkway, elevate plants, and add lots of color and texture to the front landscape,” he says. It took a bit of time and a whole lot of two-by-fours, but it was just the fix for their work-in-progress yard.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_73-0\">Install Faux Beams</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_75-0\">It’s hard <em>not </em>to gasp at a room with beams across the ceiling. That’s partly why DIYer Jenni Yolo of I SPY DIY added them to her 1875 Milwaukee home. The kitchen ceiling had joists, which could support the planks, so she went to her local home supply store and bought two-by-six-inch cedar boards in 12-foot-long pieces. “A lot of people think they have to do the big, heavier beams. I love that, but these smaller beams were much simpler to install,” she says. She and her husband cut them to fit the ceiling length and screwed them into the joists. To finish the job, you can add caulk where the beam meets the ceiling to give the illusion that the wood is recessed into the ceiling.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_77-0\">Call In Professional Help</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_78-0\">The REAL SIMPLE crowd is a handy crowd. Sometimes, though, an expert knows best. If you’re hanging new siding, adding a deck, or installing new windows, for example, you may need a pro. We asked Angie Hicks, chief customer officer at our affiliate brand Angi, a home project and repair referral site, for tips on how to find the right one.<strong></strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_80-0\">Ask for references—and call them! Talk to people who’ve had a project completed&nbsp;<em>and</em><br>people who have a project underway to get the full picture, Hicks says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_82-0\">Confirm your contractor is licensed and insured. You can use Angi’s search tool to figure out your state’s requirements.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_84-0\">Have the contractor walk you through the expected timeline. “Find out if there’s anything that could derail the schedule,” Hicks says. “You don’t want to be surprised.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.realsimple.com/get-it-done-2024-8631399\">click here.</a></p>\n<!-- /wp:paragraph -->','Get It Done: 15 DIY Projects To Upgrade Your Home on a Budget','','inherit','closed','closed','','4201-revision-v1','','','2024-07-01 01:48:00','2024-07-01 01:48:00','',4201,'https://smartinsurance.tips/?p=4203',0,'revision','',0),(4204,1,'2024-07-01 01:50:55','2024-07-01 01:50:55','<!-- wp:paragraph -->\n<p>Network security for small businesses is particularly crucial. Follow these seven important cybersecurity tips.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4205,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-56-1024x1024.png\" alt=\"\" class=\"wp-image-4205\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Cyberattacks like the 2017 Equifax data breach put the personal data of millions at risk. Small businesses, with less security protection and fewer resources dedicated to cybersecurity compared with larger corporations, are an easier target for hackers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Small businesses face an average annual cost of $34,604 on cyber-related incidents, and only 52% of small businesses have a strategy around cybersecurity, according to a 2018 report by Hiscox, an insurance provider.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here\'s information on cyberattacks, and seven tips to protect your small business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"what-is-a-cyberattack-x2470654357\">What is a cyberattack?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A cyberattack is an unauthorized attempt to expose, destroy or access your data. Forty-seven percent of small businesses suffered at least one cyberattack in the past year, according to the Hiscox report.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here are three common types of cyberattacks.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Malware: </strong>Short for \"malicious software,\" malware acts against the intent of the user, and can come in the form of a virus, Trojan horse or worm.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Ransomware is a form of malware that demands money to avoid a negative consequence, such as permanently deleting your data or publishing it publicly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Phishing: </strong>This is when scammers send fraudulent emails or text messages that may look like they’re from a reputable company, like your bank or credit card provider.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Phishing scams often tell you to click a link or open an attachment, and can then steal sensitive data, such as your credit card or website login information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Man-in-the-middle attack: </strong>This type of attack happens when scammers secretly intercept communication between two parties to steal login credentials or account details.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Man-in-the-middle attacks can occur in areas with free public Wi-Fi hot spots, as scammers may set up fake Wi-Fi connections with names that sound similar to a nearby business. Once you’ve connected to the scammer’s Wi-Fi, they can monitor your online activities and steal your personal information, according to Symantec Corporation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"how-to-protect-your-small-business-from-cyberattacks-x2071149819\">How to protect your small business from cyberattacks</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"1.-get-educated-x2693201059\"><strong>1. Get educated</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>National Cyber Security Awareness Month (NCSAM), held every October, raises awareness about the importance of cybersecurity. The NCSAM toolkit offers tips and resources to protect against cybersecurity threats.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The SBA also offers a self-guided online course in cybersecurity basics.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"2.-create-a-cybersecurity-plan-x3376079243\">2. Create a cybersecurity plan</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Your cybersecurity plan should include an employee training program and an incident response plan. The first step to securing your network is to make sure your employees understand security policies and procedures.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Training shouldn’t be a one-and-done deal; schedule yearly or semi-yearly refresher courses to keep security top of mind. Help your employees understand the importance of updating their software, adopting security best practices and knowing what to do if they identify a possible security breach.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The faster you act in the face of a cyberattack, the better you’ll be able to mitigate the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>An <strong>incident response plan</strong> will have crucial information such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Whom to contact.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Where data and data backups are stored.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>When to contact law enforcement or the public about a breach.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>The Federal Communications Commission offers a cyberplanner to help small-business owners create a plan to protect their business. (You can generate a customized plan at the bottom of the page after you create it.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"3.-be-smart-about-passwords-x586535930\">3. Be smart about passwords</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The National Institute of Standards and Technology (NIST) advises government agencies on password best practices. According to the organization’s Digital Identity Guidelines, NIST recommends passwords be at least eight characters long and notes that length is more beneficial than complexity. Allow your employees to create long, unique passwords that are easy for them to remember.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you deal with highly sensitive data, you may want to require multifactor authentication, which requires users to present at least two identifying factors, like a password and a code, before gaining access to systems or programs. Think of it like an ATM, which requires a combination of a bank card and a PIN to access funds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"4.-increase-your-email-security-x531935624\">4. Increase your email security</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Nearly half of all malicious email attachments come from office files, according to Symantec’s 2019 Internet Security Threat Report.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Basic email safety precautions, like not opening suspicious attachments or links, are a first step that can be covered in your employee training plan. If you deal with clients’ personal data, you can also encrypt documents so both the sender and the recipient need a passcode to open it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"5.-use-a-firewall-and-antivirus-software-x267389133\">5. Use a firewall and antivirus software</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A firewall acts as a digital shield, preventing malicious software or traffic from reaching your network. There are many kinds of firewalls, but they fall into two broad categories: hardware or software.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some firewalls also have virus-scanning capabilities. If yours doesn’t, be sure to also install antivirus software that scans your computer to identify and remove any malware that has made it through your firewall. It can help you control a data breach more efficiently by alerting you to an issue, instead of your having to search for the problem after something goes wrong.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"6.-secure-your-wi-fi-network-x1705977358\">6. Secure your Wi-Fi network</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi equipment is not secure when you first buy it. Your device comes with a default password, but make sure your network is encrypted with your own, unique password. Your router will likely allow you to choose from multiple kinds of passwords; one of the most secure is a Wi-Fi Protected Access II (WPA2) code.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You’ll also want to hide your network, meaning the router does not broadcast the network name. If customers or clients will need access to Wi-Fi, you can set up a “guest” account that has a different password and security measures, which prevents them from having access to your main network.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"7.-protect-your-payment-processors-x626935311\">7. Protect your payment processors</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>It’s crucial to work with your bank or payment processor to ensure that you’ve installed any and all software updates. The more complex your payment system, the harder it will be to secure, but the Payment Card Industry Security Standards Council offers a guide to help you identify the system you use and how to protect it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.nerdwallet.com/article/small-business/network-security-for-business?trk=hub_latest_content&amp;trk_channel=web&amp;trk_copy=7%20Tips%20to%20Protect%20Your%20Small%20Business%20From%20Cyberattacks&amp;trk_element=hyperlink&amp;trk_elementPosition=2&amp;trk_location=LatestPosts&amp;trk_sectionCategory=hub_latest_content\">click here.</a></p>\n<!-- /wp:paragraph -->','7 Tips to Protect Your Small Business From Cyberattacks','','publish','closed','closed','','7-tips-to-protect-your-small-business-from-cyberattacks-2','','','2024-07-01 01:50:56','2024-07-01 01:50:56','',0,'https://smartinsurance.tips/?p=4204',0,'post','',0),(4205,1,'2024-07-01 01:49:48','2024-07-01 01:49:48','','Untitled-56','','inherit','closed','closed','','untitled-56-2','','','2024-07-01 01:49:48','2024-07-01 01:49:48','',4204,'http://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-56.png',0,'attachment','image/png',0),(4206,1,'2024-07-01 01:50:55','2024-07-01 01:50:55','<!-- wp:paragraph -->\n<p>Network security for small businesses is particularly crucial. Follow these seven important cybersecurity tips.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4205,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-56-1024x1024.png\" alt=\"\" class=\"wp-image-4205\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Cyberattacks like the 2017 Equifax data breach put the personal data of millions at risk. Small businesses, with less security protection and fewer resources dedicated to cybersecurity compared with larger corporations, are an easier target for hackers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Small businesses face an average annual cost of $34,604 on cyber-related incidents, and only 52% of small businesses have a strategy around cybersecurity, according to a 2018 report by Hiscox, an insurance provider.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here\'s information on cyberattacks, and seven tips to protect your small business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"what-is-a-cyberattack-x2470654357\">What is a cyberattack?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A cyberattack is an unauthorized attempt to expose, destroy or access your data. Forty-seven percent of small businesses suffered at least one cyberattack in the past year, according to the Hiscox report.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here are three common types of cyberattacks.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Malware: </strong>Short for \"malicious software,\" malware acts against the intent of the user, and can come in the form of a virus, Trojan horse or worm.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Ransomware is a form of malware that demands money to avoid a negative consequence, such as permanently deleting your data or publishing it publicly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Phishing: </strong>This is when scammers send fraudulent emails or text messages that may look like they’re from a reputable company, like your bank or credit card provider.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Phishing scams often tell you to click a link or open an attachment, and can then steal sensitive data, such as your credit card or website login information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Man-in-the-middle attack: </strong>This type of attack happens when scammers secretly intercept communication between two parties to steal login credentials or account details.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Man-in-the-middle attacks can occur in areas with free public Wi-Fi hot spots, as scammers may set up fake Wi-Fi connections with names that sound similar to a nearby business. Once you’ve connected to the scammer’s Wi-Fi, they can monitor your online activities and steal your personal information, according to Symantec Corporation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"how-to-protect-your-small-business-from-cyberattacks-x2071149819\">How to protect your small business from cyberattacks</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"1.-get-educated-x2693201059\"><strong>1. Get educated</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>National Cyber Security Awareness Month (NCSAM), held every October, raises awareness about the importance of cybersecurity. The NCSAM toolkit offers tips and resources to protect against cybersecurity threats.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The SBA also offers a self-guided online course in cybersecurity basics.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"2.-create-a-cybersecurity-plan-x3376079243\">2. Create a cybersecurity plan</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Your cybersecurity plan should include an employee training program and an incident response plan. The first step to securing your network is to make sure your employees understand security policies and procedures.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Training shouldn’t be a one-and-done deal; schedule yearly or semi-yearly refresher courses to keep security top of mind. Help your employees understand the importance of updating their software, adopting security best practices and knowing what to do if they identify a possible security breach.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The faster you act in the face of a cyberattack, the better you’ll be able to mitigate the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>An <strong>incident response plan</strong> will have crucial information such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Whom to contact.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Where data and data backups are stored.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>When to contact law enforcement or the public about a breach.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>The Federal Communications Commission offers a cyberplanner to help small-business owners create a plan to protect their business. (You can generate a customized plan at the bottom of the page after you create it.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"3.-be-smart-about-passwords-x586535930\">3. Be smart about passwords</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The National Institute of Standards and Technology (NIST) advises government agencies on password best practices. According to the organization’s Digital Identity Guidelines, NIST recommends passwords be at least eight characters long and notes that length is more beneficial than complexity. Allow your employees to create long, unique passwords that are easy for them to remember.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you deal with highly sensitive data, you may want to require multifactor authentication, which requires users to present at least two identifying factors, like a password and a code, before gaining access to systems or programs. Think of it like an ATM, which requires a combination of a bank card and a PIN to access funds.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"4.-increase-your-email-security-x531935624\">4. Increase your email security</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Nearly half of all malicious email attachments come from office files, according to Symantec’s 2019 Internet Security Threat Report.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Basic email safety precautions, like not opening suspicious attachments or links, are a first step that can be covered in your employee training plan. If you deal with clients’ personal data, you can also encrypt documents so both the sender and the recipient need a passcode to open it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"5.-use-a-firewall-and-antivirus-software-x267389133\">5. Use a firewall and antivirus software</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A firewall acts as a digital shield, preventing malicious software or traffic from reaching your network. There are many kinds of firewalls, but they fall into two broad categories: hardware or software.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some firewalls also have virus-scanning capabilities. If yours doesn’t, be sure to also install antivirus software that scans your computer to identify and remove any malware that has made it through your firewall. It can help you control a data breach more efficiently by alerting you to an issue, instead of your having to search for the problem after something goes wrong.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"6.-secure-your-wi-fi-network-x1705977358\">6. Secure your Wi-Fi network</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Wi-Fi equipment is not secure when you first buy it. Your device comes with a default password, but make sure your network is encrypted with your own, unique password. Your router will likely allow you to choose from multiple kinds of passwords; one of the most secure is a Wi-Fi Protected Access II (WPA2) code.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You’ll also want to hide your network, meaning the router does not broadcast the network name. If customers or clients will need access to Wi-Fi, you can set up a “guest” account that has a different password and security measures, which prevents them from having access to your main network.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"7.-protect-your-payment-processors-x626935311\">7. Protect your payment processors</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>It’s crucial to work with your bank or payment processor to ensure that you’ve installed any and all software updates. The more complex your payment system, the harder it will be to secure, but the Payment Card Industry Security Standards Council offers a guide to help you identify the system you use and how to protect it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.nerdwallet.com/article/small-business/network-security-for-business?trk=hub_latest_content&amp;trk_channel=web&amp;trk_copy=7%20Tips%20to%20Protect%20Your%20Small%20Business%20From%20Cyberattacks&amp;trk_element=hyperlink&amp;trk_elementPosition=2&amp;trk_location=LatestPosts&amp;trk_sectionCategory=hub_latest_content\">click here.</a></p>\n<!-- /wp:paragraph -->','7 Tips to Protect Your Small Business From Cyberattacks','','inherit','closed','closed','','4204-revision-v1','','','2024-07-01 01:50:55','2024-07-01 01:50:55','',4204,'https://smartinsurance.tips/?p=4206',0,'revision','',0),(4207,1,'2024-07-01 01:54:23','2024-07-01 01:54:23','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4208,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-63-1024x1024.png\" alt=\"\" class=\"wp-image-4208\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Phishing is a form of social engineering. Cybercriminals use email. social media or malicious websites to pose as a trustworthy organization or person and solicit personal information.  (Learn more about the different types of phishing.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, an attacker might send an email that seems to come from a reputable credit card company or financial institution. The attacker requests the user\'s account information and often suggests that there is a problem. When the user replies with the requested information, attackers can use it to access their accounts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Phishing attacks might also appear to come from other organizations, such as charities, or even your company\'s IT support desk. &nbsp;Attackers often take advantage of current events and certain times of the year, such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Holidays and other notable times of the year (e.g., tax season and election season)</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Natural disasters (e.g., hurricanes, tornadoes or earthquakes)</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Epidemics and health scares</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Economic concerns (e.g., IRS scams)</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Simple Tips to Help You Protect Your Information &amp; Devices</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Think before you act.</strong> Be wary of messages that implore you to act immediately, offer something that sounds too good to be true or ask for personal or financial information. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>When in doubt, throw it out.</strong> Cybercriminals often use links in emails and online posts to try to gain access to devices. If a message seems suspicious – even if you know the source – it is best to delete it or report it as spam.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Follow up. </strong>Email and social media scams can be elaborate. If a message from a known sender seems out of the ordinary, check with the sender or poster using another method of communication. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Visit and download information only from trusted sources.</strong> Carefully inspect websites you are unfamiliar with to be sure they are legitimate.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Use stronger authentication. </strong>Enable multifactor authentication, when available, to help verify authorized access to online accounts. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Make passwords long and strong.</strong> Combine capital and lowercase letters with numbers and symbols to create a more secure password.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Avoid clicking links in suspicious messages.</strong> Instead, use a reputable search engine to get to the site or type the URL directly into your browser. If you choose to click a link, first verify its authenticity by hovering your cursor over the link to reveal the full address.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Do not reply to spam or click “unsubscribe” links in emails.</strong> Doing so could confirm to the sender that your email address is valid or lead to malware being installed on your device. Instead, report the message as spam. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Connect only to trusted networks and use a reputable VPN when connecting to public wi-fi. </strong>If you have a hotspot on your mobile device, use that instead. Unknown networks can be unsecure and can allow bad actors access to your devices. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Install and update anti-virus software.</strong> Make sure your devices are equipped with regularly updated antivirus software, firewalls, email filters and anti-spyware.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Keep software up to date on your devices.</strong> Reliable developers keep their products up to date to protect against online threats. Contact the service desk if you have difficulty installing updates.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Additional Tips to Reduce Spam</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Following the above guidelines are not only good for security, but they can also help reduce annoying spam. Here are some more ways to help keep your inbox organized.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>When possible, avoid publishing an email address on the web. </strong>Spammers can harvest any email address posted online.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Check privacy policies.</strong> Before submitting your email address (or any other personal information) online, read the site’s privacy policy so you know how your information will be used.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Be aware of options selected by default.</strong> When you must use your email for an online account or service, be sure any options to receive emails or mailing list subscriptions are deselected.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Consider using an alternate email account. </strong>It can easily be deleted if spam becomes an issue or the email address is compromised. This can be used for newsletters, mailing lists and other registrations.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What to Do If You Think You Are a Victim</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Report it. </strong>If you believe you might have revealed sensitive information about your organization, report it to the appropriate people within the organization, including network administrators. They can be alert for any suspicious or unusual activity.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Watch for changes to your accounts. </strong>If you believe your financial accounts may be compromised, contact your financial institution immediately and close any accounts that may have been compromised. Watch for any unexplainable charges to your account.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Change your passwords.</strong> Immediately change any passwords you might have revealed. If you used the same password for multiple resources, make sure to change it for each account, and do not use that password in the future.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Watch for other signs of identity theft. </strong>These signs could include but are not limited to:<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Unusual or unexplainable charges on your bills</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Phone calls or bills for accounts</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Products or services that you do not have</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>New, strange accounts appearing on your credit report</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Unexpected denial of your credit card</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list --></li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://it.nc.gov/resources/online-safety-privacy/tips-guidance/avoiding-phishing-attacks\">click here.</a></p>\n<!-- /wp:paragraph -->','Avoiding Phishing Attacks','','publish','closed','closed','','avoiding-phishing-attacks-2','','','2024-07-01 01:54:25','2024-07-01 01:54:25','',0,'https://smartinsurance.tips/?p=4207',0,'post','',0),(4208,1,'2024-07-01 01:53:49','2024-07-01 01:53:49','','Untitled-63','','inherit','closed','closed','','untitled-63-2','','','2024-07-01 01:53:49','2024-07-01 01:53:49','',4207,'http://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-63.png',0,'attachment','image/png',0),(4209,1,'2024-07-01 01:54:23','2024-07-01 01:54:23','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4208,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-63-1024x1024.png\" alt=\"\" class=\"wp-image-4208\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Phishing is a form of social engineering. Cybercriminals use email. social media or malicious websites to pose as a trustworthy organization or person and solicit personal information.  (Learn more about the different types of phishing.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, an attacker might send an email that seems to come from a reputable credit card company or financial institution. The attacker requests the user\'s account information and often suggests that there is a problem. When the user replies with the requested information, attackers can use it to access their accounts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Phishing attacks might also appear to come from other organizations, such as charities, or even your company\'s IT support desk. &nbsp;Attackers often take advantage of current events and certain times of the year, such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Holidays and other notable times of the year (e.g., tax season and election season)</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Natural disasters (e.g., hurricanes, tornadoes or earthquakes)</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Epidemics and health scares</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Economic concerns (e.g., IRS scams)</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Simple Tips to Help You Protect Your Information &amp; Devices</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Think before you act.</strong> Be wary of messages that implore you to act immediately, offer something that sounds too good to be true or ask for personal or financial information. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>When in doubt, throw it out.</strong> Cybercriminals often use links in emails and online posts to try to gain access to devices. If a message seems suspicious – even if you know the source – it is best to delete it or report it as spam.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Follow up. </strong>Email and social media scams can be elaborate. If a message from a known sender seems out of the ordinary, check with the sender or poster using another method of communication. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Visit and download information only from trusted sources.</strong> Carefully inspect websites you are unfamiliar with to be sure they are legitimate.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Use stronger authentication. </strong>Enable multifactor authentication, when available, to help verify authorized access to online accounts. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Make passwords long and strong.</strong> Combine capital and lowercase letters with numbers and symbols to create a more secure password.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Avoid clicking links in suspicious messages.</strong> Instead, use a reputable search engine to get to the site or type the URL directly into your browser. If you choose to click a link, first verify its authenticity by hovering your cursor over the link to reveal the full address.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Do not reply to spam or click “unsubscribe” links in emails.</strong> Doing so could confirm to the sender that your email address is valid or lead to malware being installed on your device. Instead, report the message as spam. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Connect only to trusted networks and use a reputable VPN when connecting to public wi-fi. </strong>If you have a hotspot on your mobile device, use that instead. Unknown networks can be unsecure and can allow bad actors access to your devices. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Install and update anti-virus software.</strong> Make sure your devices are equipped with regularly updated antivirus software, firewalls, email filters and anti-spyware.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Keep software up to date on your devices.</strong> Reliable developers keep their products up to date to protect against online threats. Contact the service desk if you have difficulty installing updates.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Additional Tips to Reduce Spam</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Following the above guidelines are not only good for security, but they can also help reduce annoying spam. Here are some more ways to help keep your inbox organized.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>When possible, avoid publishing an email address on the web. </strong>Spammers can harvest any email address posted online.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Check privacy policies.</strong> Before submitting your email address (or any other personal information) online, read the site’s privacy policy so you know how your information will be used.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Be aware of options selected by default.</strong> When you must use your email for an online account or service, be sure any options to receive emails or mailing list subscriptions are deselected.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Consider using an alternate email account. </strong>It can easily be deleted if spam becomes an issue or the email address is compromised. This can be used for newsletters, mailing lists and other registrations.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What to Do If You Think You Are a Victim</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Report it. </strong>If you believe you might have revealed sensitive information about your organization, report it to the appropriate people within the organization, including network administrators. They can be alert for any suspicious or unusual activity.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Watch for changes to your accounts. </strong>If you believe your financial accounts may be compromised, contact your financial institution immediately and close any accounts that may have been compromised. Watch for any unexplainable charges to your account.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Change your passwords.</strong> Immediately change any passwords you might have revealed. If you used the same password for multiple resources, make sure to change it for each account, and do not use that password in the future.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Watch for other signs of identity theft. </strong>These signs could include but are not limited to:<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Unusual or unexplainable charges on your bills</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Phone calls or bills for accounts</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Products or services that you do not have</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>New, strange accounts appearing on your credit report</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Unexpected denial of your credit card</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list --></li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://it.nc.gov/resources/online-safety-privacy/tips-guidance/avoiding-phishing-attacks\">click here.</a></p>\n<!-- /wp:paragraph -->','Avoiding Phishing Attacks','','inherit','closed','closed','','4207-revision-v1','','','2024-07-01 01:54:23','2024-07-01 01:54:23','',4207,'https://smartinsurance.tips/?p=4209',0,'revision','',0),(4210,1,'2024-07-01 01:58:25','2024-07-01 01:58:25','<!-- wp:paragraph -->\n<p>What makes a leader? The question is more complex than it looks.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4211,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-60-1024x1024.png\" alt=\"\" class=\"wp-image-4211\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>What makes someone a leader, anyway?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>As Bradberry and his co-author Kevin Kruse admit, despite the plethora of books on leadership (some written by them), it’s a rare thing to pause and actually define the quality. The authors go on to assert what leadership is not: Leadership isn’t fancy titles, a position in a hierarchy, or even management.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>They then go on to quote, and attempt to refute, some of the most respected business thinkers of our time. For example:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Peter Drucker:</strong>&nbsp;“The only definition of a leader is someone who has followers.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The authors contend that Drucker’s definition is too simple. They cite the example of an army captain who is put in command of 200 soldiers, but never leaves his room or speaks to the individuals in his unit personally. By default, the soldiers follow orders, but this makes the captain a commander, not a leader.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>John Maxwell:</strong>&nbsp;“Leadership is influence–nothing more, nothing less.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>While appreciating Maxwell’s minimalistic approach, the authors feel it is too reduced. They cite examples of a robber with a gun, who has “influence” over his victim, or a manager with the power to fire team members. The source of influence is missing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In the end, Bradberry and Kruse settle on the following definition of leadership:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><em>Leadership is a process of social influence which maximizes the efforts of others toward the achievement of a greater good.</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>They conclude with the powerful statement, “Leadership is a mindset in action”.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>I’m a big fan of Bradberry (he recently made number two on my list of recommended writers), and I love the article as it really gets us thinking differently about something we read and write about on a daily basis.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Bradberry and Kruse’s definition comes close, but I feel it’s too narrow.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some leaders influence others to commit actions that are&nbsp;<em>not</em>&nbsp;for the greater good, but no one can deny that they have led those others. Adolf Hitler is a perfect example. His leadership was wicked, barbaric, and disgusting. But surely, he&nbsp;<em>led</em>&nbsp;millions of men. Some may argue that Hitler or the terrorist leaders we see today aren’t exhibiting the type of leadership that Bradberry and Kruse speak about, but they’re refusing to acknowledge an extremely important lesson: Following the wrong leaders can give rise to horrible consequences.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The authors also claim that leadership “maximizes the efforts of others”. But leadership alone cannot achieve this goal, for individual efforts depend on a variety of factors. For example, one could contend that Michael Jordan’s leadership got the most out of his championship Bulls teams, but when he came out of retirement (again) to lead a young Wizards team, several team members complained about playing in Jordan’s shadow, and his unfair expectations of them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Leadership can, however, work towards&nbsp;<em>increasing</em>&nbsp;the efforts of others.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Which leads me to this (edited) definition:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Definition:</strong>&nbsp;Leadership is a process of social influence which works to increase the efforts of others in pursuit of a common goal.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In the end, I think that the authors and I agree on one thing: <em>Good</em> leaders don’t wait for a title. They simply lead, and others naturally follow.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.inc.com/magazine/202312/tom-foster/the-tech-founder-who-wants-to-fix-small-town-america.html\">click here.</a></p>\n<!-- /wp:paragraph -->','In Search of the Definition of Leadership','','publish','closed','closed','','in-search-of-the-definition-of-leadership','','','2024-07-01 01:58:26','2024-07-01 01:58:26','',0,'https://smartinsurance.tips/?p=4210',0,'post','',0),(4211,1,'2024-07-01 01:57:12','2024-07-01 01:57:12','','Untitled-60','','inherit','closed','closed','','untitled-60-2','','','2024-07-01 01:57:12','2024-07-01 01:57:12','',4210,'http://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-60.png',0,'attachment','image/png',0),(4212,1,'2024-07-01 01:58:25','2024-07-01 01:58:25','<!-- wp:paragraph -->\n<p>What makes a leader? The question is more complex than it looks.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4211,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-60-1024x1024.png\" alt=\"\" class=\"wp-image-4211\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>What makes someone a leader, anyway?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>As Bradberry and his co-author Kevin Kruse admit, despite the plethora of books on leadership (some written by them), it’s a rare thing to pause and actually define the quality. The authors go on to assert what leadership is not: Leadership isn’t fancy titles, a position in a hierarchy, or even management.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>They then go on to quote, and attempt to refute, some of the most respected business thinkers of our time. For example:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Peter Drucker:</strong>&nbsp;“The only definition of a leader is someone who has followers.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The authors contend that Drucker’s definition is too simple. They cite the example of an army captain who is put in command of 200 soldiers, but never leaves his room or speaks to the individuals in his unit personally. By default, the soldiers follow orders, but this makes the captain a commander, not a leader.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>John Maxwell:</strong>&nbsp;“Leadership is influence–nothing more, nothing less.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>While appreciating Maxwell’s minimalistic approach, the authors feel it is too reduced. They cite examples of a robber with a gun, who has “influence” over his victim, or a manager with the power to fire team members. The source of influence is missing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In the end, Bradberry and Kruse settle on the following definition of leadership:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><em>Leadership is a process of social influence which maximizes the efforts of others toward the achievement of a greater good.</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>They conclude with the powerful statement, “Leadership is a mindset in action”.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>I’m a big fan of Bradberry (he recently made number two on my list of recommended writers), and I love the article as it really gets us thinking differently about something we read and write about on a daily basis.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Bradberry and Kruse’s definition comes close, but I feel it’s too narrow.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some leaders influence others to commit actions that are&nbsp;<em>not</em>&nbsp;for the greater good, but no one can deny that they have led those others. Adolf Hitler is a perfect example. His leadership was wicked, barbaric, and disgusting. But surely, he&nbsp;<em>led</em>&nbsp;millions of men. Some may argue that Hitler or the terrorist leaders we see today aren’t exhibiting the type of leadership that Bradberry and Kruse speak about, but they’re refusing to acknowledge an extremely important lesson: Following the wrong leaders can give rise to horrible consequences.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The authors also claim that leadership “maximizes the efforts of others”. But leadership alone cannot achieve this goal, for individual efforts depend on a variety of factors. For example, one could contend that Michael Jordan’s leadership got the most out of his championship Bulls teams, but when he came out of retirement (again) to lead a young Wizards team, several team members complained about playing in Jordan’s shadow, and his unfair expectations of them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Leadership can, however, work towards&nbsp;<em>increasing</em>&nbsp;the efforts of others.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Which leads me to this (edited) definition:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Definition:</strong>&nbsp;Leadership is a process of social influence which works to increase the efforts of others in pursuit of a common goal.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In the end, I think that the authors and I agree on one thing: <em>Good</em> leaders don’t wait for a title. They simply lead, and others naturally follow.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.inc.com/magazine/202312/tom-foster/the-tech-founder-who-wants-to-fix-small-town-america.html\">click here.</a></p>\n<!-- /wp:paragraph -->','In Search of the Definition of Leadership','','inherit','closed','closed','','4210-revision-v1','','','2024-07-01 01:58:25','2024-07-01 01:58:25','',4210,'https://smartinsurance.tips/?p=4212',0,'revision','',0),(4213,1,'2024-07-01 02:00:28','2024-07-01 02:00:28','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4214,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-59-1024x1024.png\" alt=\"\" class=\"wp-image-4214\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Mental exhaustion is intense tiredness that makes you feel drained and unable to focus. It is a feeling of fatigue that originates in the brain rather than physical muscles and makes it challenging to handle normally manageable tasks and responsibilities.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Just as you feel physical fatigue after long periods of physical activity without rest, long stretches of mental activity and chronic stress wear you out, leading to burnout and mental fatigue. This happens when your brain is continuously overloaded from receiving too much stimulation and maintaining a vigorous level of concentration without adequate breaks and rest.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This article discusses the common signs of mental exhaustion, highlighting warning signs to know when you\'re on the verge. It\'s important to note that the effects and impact of mental exhaustion aren\'t relegated only to the brain and mind. If left unchecked, mental exhaustion manifests as physical health issues and chronic illness, impairing overall health and wellbeing over time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Three common types of mental exhaustion symptoms to look out for are:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Mental and emotional symptoms</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Behavioral symptoms</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Physical symptoms</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>We discuss these in detail below.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\"><strong>Mental and Emotional Signs of Mental Exhaustion</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Mental and emotional signs of mental exhaustion are typically the first to show. You feel less energy to engage in daily life and may develop a negative outlook, a poor attitude, and detachment from events around you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In most people, the signs of mental and emotional exhaustion manifest in the following ways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Increasingly negative feelings:</strong> Mental exhaustion causes a depletion of happy hormones and an increase of stress hormones in the brain, making you develop negative feelings about your life and responsibilities. You may lose motivation to work, socialize, and participate in things that usually bring you joy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Inability to control your emotions:</strong> When mentally exhausted, you\'re more prone to lose your cool over big and little issues. Situations you typically overlook or handle with calm may easily annoy you. You quickly become irritable and impatient, making it difficult to relate and work with others.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Inability to focus: </strong>Mental exhaustion makes it difficult to concentrate. If you have difficulties focusing and completing tasks that typically do not take you time, you\'re likely suffering from mental exhaustion. Your attention span gets shorter, mental energy depletes, and you get bored and disinterested quickly, no matter what you do.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\"><strong>Behavioral Signs of Mental Exhaustion</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Behavioral signs of mental exhaustion are often the next evident symptoms after mental and emotional signs. You react to situations in ways you usually would not; ways you know are counterintuitive. At this point, mental exhaustion may begin to affect many areas of your life, from work to home to managing simple tasks and errands.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Behavioral signs of mental exhaustion to look out for include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Indecisiveness:</strong> Making decisions becomes more difficult when you\'re mentally exhausted. You find yourself procrastinating on simple tasks and unable to confidently make simple choices like what to eat or wear. This happens because your brain\'s energy levels are drained and maxed out.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Self-isolation: </strong>Withdrawing from people, calling out from work, canceling plans, and generally limiting human interactions are common behavioral signs of mental fatigue, stemming from the need to be alone and not engage with others at such a low point. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Difficulty completing tasks: </strong>When you are mentally exhausted, your energy levels and motivation sink, which may cause you to zone out during tasks, forget things you should do, and struggle with meeting deadlines or bringing any positive energy to social activities. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Dysfunctional eating habits:</strong> Mental exhaustion also affects your appetite and eating habits. This may cause you to eat less, snack more, or pay less attention to what you consume. Stress decreases or increases your appetite, further affecting your weight and energy levels.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\"><strong>Physical Signs of Mental Exhaustion</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Ultimately, unchecked mental exhaustion may decline into physical exhaustion and severe health issues. You may begin to struggle with sleep, mental health conditions, and physical health issues.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The most common physical signs of mental exhaustion are:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Anxiety: </strong>Intense mental exhaustion often leads to anxiety, worry, panic, and depression. The body\'s sympathetic nervous system is on high alert, leading you to stay in \"fight or flight\" mode. This may cause you to feel overwhelmed and incapable of handling issues, whether minor or significant. Your heart beats faster, and you may experience shortness of breath or uncontrolled trembling and shaking.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Sleeping issues:</strong> Stressors triggering mental exhaustion impact your normal sleep cycle and circadian rhythm, making it hard to get enough sleep to rest the brain and get better. This may lead to excessive daytime sleepiness or, in contrast, insomnia, making it hard to go about your daily routine and remain productive. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Physical exhaustion: </strong>Extreme mental fatigue soon escalates to physical exhaustion and inertia. Your tolerance for physical activity and exercise may decrease, making it seem like you need a lot more effort to simply stay alive and be functional.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Migraines and body aches:</strong> Mental exhaustion may also show up as sharp, persistent pains in different parts of your body. Most common are headaches and migraines that make you uncomfortable and further affect your focus and productivity.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Illness (e.g., frequent colds):</strong> Mental exhaustion increases your risk of getting sick and being susceptible to physical health issues. It’s crucial to take proactive steps to reduce your exhaustion and cortisol levels to keep colds and illnesses away.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\"><strong>Tips to Help You Overcome Mental Exhaustion</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The following tips will help you overcome mental exhaustion and regain strength and enthusiasm to tackle your work and tasks again.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li>If you\'re having any symptoms of mental exhaustion, it\'s essential to first diagnose the possible root causes of your fatigue. Knowing your stressors is the first step to overcoming them.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Reflect on recent happenings, your lifestyle, and your medical history to identify factors that may be contributing to your exhaustion. You can then determine the best solution to regain your energy over time.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Schedule self-care sessions; eat healthy, balanced meals; and incorporate minimal physical activity and exercise into your daily routine. You can take morning walks to get some sunlight and bits of nature, both of which are scientifically proven to recharge the brain and release happy brain hormones like dopamine and endorphins.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Take regular breaks and strive for a good work-life balance to maintain productivity and health. Proactively avoid job burnout by permitting yourself to take a break and rest when you need to. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Practice relaxation techniques, like meditation, yoga, and deep breathing, as part of your morning routine and throughout the workday.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Implement a systematic review of your priorities and responsibilities to avoid burnout and exhaustion.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Once you recognize any signs of burnout, seek medical intervention by seeing your doctor or a mental health professional.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Never be ashamed to ask for help at work and home. Let your coworkers, family members, and loved ones know what\'s going on with you instead of isolating yourself.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Use these tips to overcome mental fatigue and get yourself back to a healthy baseline. If you continue to feel exhausted after an extended period, say two weeks to a month, seek medical help immediately. Long periods of mental exhaustion may indicate a more serious underlying health issue.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://rize.io/blog/signs-of-mental-exhaustion\">click here.</a></p>\n<!-- /wp:paragraph -->','Common Signs of Mental Exhaustion and 9 Tips to Overcome Them','','publish','closed','closed','','common-signs-of-mental-exhaustion-and-9-tips-to-overcome-them','','','2024-07-01 02:00:29','2024-07-01 02:00:29','',0,'https://smartinsurance.tips/?p=4213',0,'post','',0),(4214,1,'2024-07-01 01:59:06','2024-07-01 01:59:06','','Untitled-59','','inherit','closed','closed','','untitled-59-2','','','2024-07-01 01:59:06','2024-07-01 01:59:06','',4213,'http://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-59.png',0,'attachment','image/png',0),(4215,1,'2024-07-01 02:00:28','2024-07-01 02:00:28','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4214,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/07/Untitled-59-1024x1024.png\" alt=\"\" class=\"wp-image-4214\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Mental exhaustion is intense tiredness that makes you feel drained and unable to focus. It is a feeling of fatigue that originates in the brain rather than physical muscles and makes it challenging to handle normally manageable tasks and responsibilities.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Just as you feel physical fatigue after long periods of physical activity without rest, long stretches of mental activity and chronic stress wear you out, leading to burnout and mental fatigue. This happens when your brain is continuously overloaded from receiving too much stimulation and maintaining a vigorous level of concentration without adequate breaks and rest.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This article discusses the common signs of mental exhaustion, highlighting warning signs to know when you\'re on the verge. It\'s important to note that the effects and impact of mental exhaustion aren\'t relegated only to the brain and mind. If left unchecked, mental exhaustion manifests as physical health issues and chronic illness, impairing overall health and wellbeing over time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Three common types of mental exhaustion symptoms to look out for are:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Mental and emotional symptoms</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Behavioral symptoms</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Physical symptoms</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>We discuss these in detail below.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\"><strong>Mental and Emotional Signs of Mental Exhaustion</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Mental and emotional signs of mental exhaustion are typically the first to show. You feel less energy to engage in daily life and may develop a negative outlook, a poor attitude, and detachment from events around you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In most people, the signs of mental and emotional exhaustion manifest in the following ways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Increasingly negative feelings:</strong> Mental exhaustion causes a depletion of happy hormones and an increase of stress hormones in the brain, making you develop negative feelings about your life and responsibilities. You may lose motivation to work, socialize, and participate in things that usually bring you joy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Inability to control your emotions:</strong> When mentally exhausted, you\'re more prone to lose your cool over big and little issues. Situations you typically overlook or handle with calm may easily annoy you. You quickly become irritable and impatient, making it difficult to relate and work with others.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Inability to focus: </strong>Mental exhaustion makes it difficult to concentrate. If you have difficulties focusing and completing tasks that typically do not take you time, you\'re likely suffering from mental exhaustion. Your attention span gets shorter, mental energy depletes, and you get bored and disinterested quickly, no matter what you do.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\"><strong>Behavioral Signs of Mental Exhaustion</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Behavioral signs of mental exhaustion are often the next evident symptoms after mental and emotional signs. You react to situations in ways you usually would not; ways you know are counterintuitive. At this point, mental exhaustion may begin to affect many areas of your life, from work to home to managing simple tasks and errands.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Behavioral signs of mental exhaustion to look out for include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Indecisiveness:</strong> Making decisions becomes more difficult when you\'re mentally exhausted. You find yourself procrastinating on simple tasks and unable to confidently make simple choices like what to eat or wear. This happens because your brain\'s energy levels are drained and maxed out.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Self-isolation: </strong>Withdrawing from people, calling out from work, canceling plans, and generally limiting human interactions are common behavioral signs of mental fatigue, stemming from the need to be alone and not engage with others at such a low point. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Difficulty completing tasks: </strong>When you are mentally exhausted, your energy levels and motivation sink, which may cause you to zone out during tasks, forget things you should do, and struggle with meeting deadlines or bringing any positive energy to social activities. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Dysfunctional eating habits:</strong> Mental exhaustion also affects your appetite and eating habits. This may cause you to eat less, snack more, or pay less attention to what you consume. Stress decreases or increases your appetite, further affecting your weight and energy levels.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\"><strong>Physical Signs of Mental Exhaustion</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Ultimately, unchecked mental exhaustion may decline into physical exhaustion and severe health issues. You may begin to struggle with sleep, mental health conditions, and physical health issues.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The most common physical signs of mental exhaustion are:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Anxiety: </strong>Intense mental exhaustion often leads to anxiety, worry, panic, and depression. The body\'s sympathetic nervous system is on high alert, leading you to stay in \"fight or flight\" mode. This may cause you to feel overwhelmed and incapable of handling issues, whether minor or significant. Your heart beats faster, and you may experience shortness of breath or uncontrolled trembling and shaking.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Sleeping issues:</strong> Stressors triggering mental exhaustion impact your normal sleep cycle and circadian rhythm, making it hard to get enough sleep to rest the brain and get better. This may lead to excessive daytime sleepiness or, in contrast, insomnia, making it hard to go about your daily routine and remain productive. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Physical exhaustion: </strong>Extreme mental fatigue soon escalates to physical exhaustion and inertia. Your tolerance for physical activity and exercise may decrease, making it seem like you need a lot more effort to simply stay alive and be functional.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Migraines and body aches:</strong> Mental exhaustion may also show up as sharp, persistent pains in different parts of your body. Most common are headaches and migraines that make you uncomfortable and further affect your focus and productivity.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Illness (e.g., frequent colds):</strong> Mental exhaustion increases your risk of getting sick and being susceptible to physical health issues. It’s crucial to take proactive steps to reduce your exhaustion and cortisol levels to keep colds and illnesses away.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\"><strong>Tips to Help You Overcome Mental Exhaustion</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The following tips will help you overcome mental exhaustion and regain strength and enthusiasm to tackle your work and tasks again.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li>If you\'re having any symptoms of mental exhaustion, it\'s essential to first diagnose the possible root causes of your fatigue. Knowing your stressors is the first step to overcoming them.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Reflect on recent happenings, your lifestyle, and your medical history to identify factors that may be contributing to your exhaustion. You can then determine the best solution to regain your energy over time.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Schedule self-care sessions; eat healthy, balanced meals; and incorporate minimal physical activity and exercise into your daily routine. You can take morning walks to get some sunlight and bits of nature, both of which are scientifically proven to recharge the brain and release happy brain hormones like dopamine and endorphins.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Take regular breaks and strive for a good work-life balance to maintain productivity and health. Proactively avoid job burnout by permitting yourself to take a break and rest when you need to. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Practice relaxation techniques, like meditation, yoga, and deep breathing, as part of your morning routine and throughout the workday.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Implement a systematic review of your priorities and responsibilities to avoid burnout and exhaustion.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Once you recognize any signs of burnout, seek medical intervention by seeing your doctor or a mental health professional.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Never be ashamed to ask for help at work and home. Let your coworkers, family members, and loved ones know what\'s going on with you instead of isolating yourself.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Use these tips to overcome mental fatigue and get yourself back to a healthy baseline. If you continue to feel exhausted after an extended period, say two weeks to a month, seek medical help immediately. Long periods of mental exhaustion may indicate a more serious underlying health issue.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://rize.io/blog/signs-of-mental-exhaustion\">click here.</a></p>\n<!-- /wp:paragraph -->','Common Signs of Mental Exhaustion and 9 Tips to Overcome Them','','inherit','closed','closed','','4213-revision-v1','','','2024-07-01 02:00:28','2024-07-01 02:00:28','',4213,'https://smartinsurance.tips/?p=4215',0,'revision','',0),