(3388,1,'2023-07-31 06:18:08','2023-07-31 06:18:08','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Blacks and Hispanics are denied home loans at nearly twice the rate as whites. Here’s how to get negative decisions reversed, or find a loan elsewhere.</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\":3321,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/07/My-project-1-65.png\" alt=\"\" class=\"wp-image-3321\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Earlier this year, the Department of Justice sued&nbsp;City National Bank in Los Angeles for an alleged&nbsp;pattern of unlawful redlining, which the DOJ defined as \"when lenders deny or discourage applications or avoid providing loans and other credit services in neighborhoods based on the race, color, or national origin of the residents of those neighborhoods.\"&nbsp;The DOJ alleged that during a roughly four-year span, City National Bank provided&nbsp;mortgage loans almost exclusively to customers in majority-white census tracts,&nbsp;even though in most of the communities in Los Angeles at least half of the residents are Black and Latino.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">By way of comparison, the DOJ said competitor banks in the same area gave out six times as many mortgages to Black and Latino customers over the same four years.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While you might think that redlining—the discriminatory practice of denying financial services like mortgage loans to someone based on the location and ethnic or racial makeup of their neighborhood—is a thing of the past, the case suggests it’s still happening. (Watch BAD INPUT: Mortgage Lending, below, for more on how discriminatory practices in mortgage lending persist today.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">And alarmingly, City National Bank isn’t the only bank caught doing it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In the last two years, the DOJ sued four other banks across the country over the practice, settling for a total of $73 million. The lawsuits are part of a DOJ initiative that began in October 2021 to combat redlining across the U.S.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“In the words of Dr. Martin Luther King Jr., the issue of fair housing is a moral issue,” said Martin Estrada, U.S. Attorney for the Central District of California when the settlement with National City Bank was announced. “Ending redlining is a critical step to closing the widening gaps in homeownership and wealth.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">City National Bank, which agreed to settle the DOJ’s lawsuit for a record $31 million—the highest ever settlement in a redlining lawsuit to date—said in a statement that “we disagree with the allegations, but nonetheless support the DOJ in its efforts to ensure equal access to credit for all consumers, regardless of race.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Persistent Racial Inequity in Mortgage Lending</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Redlining is not the only reason there is a shockingly large racial disparity when it comes to home ownership. In 2019, there was a 30-percentage point gap between Black and white homeownership levels, according to a recent study from Urban Institute, a social policy research organization—larger than it was in 1960. But other explanations are also rooted in historically discriminatory practices.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“Homeownership is the biggest source of wealth for most families, and families that built that wealth over the last few decades did so on policies that deliberately discriminated against Black and Latino consumers,” says Chi Chi Wu, an expert on consumer credit and lending and senior attorney at the National Consumer Law Center. She points to the exclusion of Black and Latinos from the GI Bill after WWII. “That’s how a lot of white consumers built their wealth.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In addition, the&nbsp;credit scoring system lenders use&nbsp;to determine eligibility for a loan also disadvantages people in marginalized communities, who tend to have lower scores compared with white borrowers. (A too-low credit score is one of the two most common reasons for being denied a mortgage loan. A high debt-to-income ratio is the second one.)&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">That these groups have lower scores is at least partly due to the way scores are calculated. The current scoring models favor certain kinds of on-time payments, like those for credit cards, over others, like payments for rent and utilities.&nbsp;&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“To end systemic racism in the mortgage lending system will take a coordinated effort to overhaul the credit scoring system and loan application process,” says Delicia Hand, director of financial fairness at Consumer Reports. “There is no inherent difference between a consumer’s ability to make a credit card versus, say, a rent or utility payment. But the lack of inclusion of these data into a credit score has excluded people for loans who might otherwise qualify.”&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Fortunately, efforts to change this are underway. The Federal Housing Finance Agency (FHFA) announced last fall that once finalized, a new rule will require lenders of federally backed mortgages to use new&nbsp;types of credit scores—called FICO 10T and VantageScore 4.0—that will, among other things, take a person’s rent and utility payments into consideration.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The new scoring models are intended to be more inclusive, says FICO, and will replace older FICO credit scores (also known as FICO “Classic” scores) used for the last two decades.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In the meantime, anyone who’s applied for a mortgage but was denied should know that all is not lost, says Mike Calhoun, president of the Center for Responsible Lending, a nonprofit research and policy group. “Shop around,” he says, because “this is one of the most consequential financial decisions you can make.” And, you stand to potentially get a better deal, Calhoun says.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are some steps to take if you were denied a mortgage and want to either salvage your loan or look for alternatives.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How to Save on Your Loan Application</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your application for a mortgage was denied and you want to save it, time is of the essence.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">That’s because you’ll have as little as a day or two between the time your loan officer lets you know of the denial and when the bank’s formal denial letter is issued to try to salvage the loan, if you choose to try to do that.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Ask for an Explanation of Your Denial</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">By law, lenders are required to provide a detailed explanation<strong>&nbsp;</strong>about why your application was denied. In fact, the Consumer Financial Protection Bureau underscored this last year when it reminded all lenders of this obligation—even those lenders who say they use complex algorithms to determine loan qualifications that are not easily explained. If you don’t receive an explanation, press your loan officer for one. And if that doesn’t work, ask for their manager or the branch manager for more details.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“You have a legal right to understand what it is about your financial situation that caused you to be denied,” says CR’s Hand.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Provide Additional Documentation</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Incomplete or unverifiable information is another primary reason for mortgage loan denials, according to a 2020 analysis from the National Community Reinvestment Coalition, a national organization of community groups. Besides paystubs, tax returns, and W-2 income statements from your employer, lenders may look for verification of where your down payment is coming from, for example. Is it a gift from a family member, or a withdrawal from a retirement account? Providing a letter explaining the source, or anything else that the lender may not be clear about, such as reasons for gaps in employment along with supporting documentation, could salvage your loan application.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Ask if You Might Qualify for a Smaller Loan</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Although that might mean you’d need a larger down payment, a loan for less money could improve what’s known as your debt-to-income ratio, which the lender is looking to have come out at upward of 50 percent or so, says Alex Kellam, loan officer at Southern Trust Mortgage in Virginia Beach, Va.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Ask if a Cosigner Would Help</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Understandably, not everyone has a parent or relative who is willing to cosign a 30-year mortgage. But if you have a relative willing to make that commitment, it could make the difference between getting the mortgage or not. Kellam says it is common among his bank’s clients for there to be cosigners. In a year or two, if you are in a better position to qualify for a loan on your own, you could refinance and possibly get a better loan deal, without the need for a cosigner.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Ask if the Appraisal Was Too Low</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If the price you agreed to pay for the property is higher than the bank’s appraisal of it, the bank would look to you to make up the difference.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">So for example, if you agreed to buy the home for $500,000, but the bank’s appraiser said the home is only worth $425,000, the bank will likely be unwilling to lend you that additional $75,000.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While this situation is not technically a mortgage denial, it leaves you with two options. One is to ask the bank to reconsider its appraisal, Kellam says. “In some cases, the listing agent and your realtor can provide prices of similar properties to compare so that the lender and their appraiser can review it and have a reconsideration of value.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another option is to either ask the seller to lower their price to the appraised value, or find funds on your own to make up the difference. Understandably, if your available funds are already stretched thin, you might not have enough to make the bank feel comfortable giving you a loan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Shop Around for a New Mortgage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Time also matters if you decide to try to shop for a new loan instead. You have 14 days, starting with the first day the original lender did a “hard check” of your credit score, to shop around for a new mortgage without further hurting your credit score. That’s because each hard check from a potential lender will cost your score several points, but all hard checks done for the same purpose and within 14 days count only once.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Consider a Lender That Participates in a \"Special Purpose Credit Program\"</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Although these programs have been available since 1974, they remain lesser-known mechanisms to help Americans gain access to mortgages. Nearly any lender can apply for an SPCP, which allows them to specifically assist disadvantaged borrowers of color, women, people with disabilities, and other underserved groups. The CFPB recently championed SPCPs to help increase the number of homeowners and to help close the racial homeownership gap.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The National Fair Housing Alliance recently partnered with the Mortgage Bankers Association, an industry group, to expand the number of lenders that offer SPCP loans. That program is an “excellent tool for expanding credit access for underserved markets,” said Lisa Rice, president of the NFHA, in a statement announcing that partnership.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Larger traditional banks in particular may have limited, special SPCP programs, says Jonathan Wilson, vice president of mortgages from Liberty Bank, one of the largest Black-owned banks in the U.S. with branches throughout the South and Midwest. For example, Bank of America announced last August that it would offer no-down-payment and no-closing costs mortgages in some areas, including certain Black and Latino neighborhoods in Charlotte, Dallas, Detroit, Los Angeles, and Miami, through a new SPCP program, the Community Affordable Loan Solution.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Citibank announced a similar SPCP through its HomeRun program that helps greater numbers of Blacks and Hispanics qualify for mortgages by requiring low downpayments and removing the need to buy mortgage insurance.&nbsp;Citibank said the program would be available even in areas where the company doesn’t have any branches.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To find a bank offering an SPCP near you by, go to the&nbsp;NFHA’s website&nbsp;&nbsp;or call 202-898-1661.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Consider a Community Development Financial Institution</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">CDFI is a special designation awarded by the Department of the Treasury to banks and credit unions that have a stated mission of making banking services, including mortgages, more available to underserved populations and communities.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">As part of that, CDFI lenders can offer loan rates and terms that are more flexible than traditional lenders, says Calhoun of the Center for Responsible Lending, as well as provide downpayment assistance, or even help to bulk up a rainy-day fund in case you hit a rough patch with your monthly mortgage payment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“We want to help people buy the house,” says Wilson at Liberty Bank, itself a CDFI. “We live in the communities we serve and these are not just numbers to us. These are people that we see at church and who we run into in the grocery store.”&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The first step is to call around to your local credit unions and small banks and ask if they’re a CDFI and about what kind of loans they offer, says Calhoun. You can also look up CDFIs by ZIP code.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Ask if the Bank Will Consider a \"Portfolio\" Loan</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This refers to a bank opting to keep the loan in house rather than selling it to an investor. While less common, it can be an effective way to get a mortgage, if, for example, you have an unusual situation such as you’ve been self-employed for less than two years, or have a single item on your credit report that is pulling the whole thing down. By keeping the loan in their portfolio, the lender has greater control over who they accept or deny.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\"With a portfolio loan, your application doesn’t have to fit into a traditional ‘box’,” Wilson says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One recent example, he says, involved a couple who’d cosigned on a loan for their adult child, who then unexpectedly passed away. Payments were missed, hurting the couple’s credit score. So when the couple applied for a mortgage for themselves, Wilson says Liberty Bank was able to assess their total financial situation, consider their unique circumstances, and give the couple a mortgage anyway. “If you’ve been close enough to anyone who’s passed, you know that their bills and things can get missed, and the current model doesn’t consider that,” Wilson says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Consider a Private Lender</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This could be an individual, such as a family member, or a business, the owner of the property you are trying to buy, or a contractor. It could also be a nonbank mortgage lender, which are companies that are not banks or credit unions but offer home loans. &nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Getting a loan from such a lender could have&nbsp; drawbacks: It might mean your loan won’t be federally protected as other mortgages are in situations involving bankruptcy, foreclosure, and forbearance (the allowance of delayed payments, say, during a public health crisis such as Covid-19).&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But because private loans typically have fewer federal rules to follow, lenders have much greater flexibility with loan requirements. A lender may, for example, accept a lower credit score when a buyer makes a larger down payment, for example, or accepts a higher interest rate. So they can be a good option if you’ve got a slight hitch in your application, say, or a low credit score or a high debt-to-income ratio.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In addition, private lenders can already use the FICO 10T score, FICO says, without having to wait until 2025 before it will be used for all federally backed loans. Asking a private lender to run this score, versus your FICO classic, could help you secure better loan terms.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">File a Complaint if You Think You Are a Victim of Redlining or Financial Discrimination</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are several places you can file a complaint:<br>• DOJ’s housing discrimination tip line at 833-591-0291 or submit a report&nbsp;online.<br>• CFPB at 855-411-2372 or submit&nbsp;online.<br>• Housing and Urban Development at 800-669-9777 or submit&nbsp;online.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Correction</strong>: This article was updated to more accurately reflect the allegations in the Department of Justice’s complaint against City National Bank, and to clarify that outcome of the suit.</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/buying-a-home/what-to-do-if-you-are-denied-a-mortgage-a5962702267/\">click here.</a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><a href=\"https://www.consumerreports.org/badinput/\"></a></p>\n<!-- /wp:paragraph -->','What to Do if You Are Denied a Mortgage','','inherit','closed','closed','','3320-revision-v1','','','2023-07-31 06:18:08','2023-07-31 06:18:08','',3320,'http://smartinsurance.tips/?p=3388',0,'revision','',0),(3395,1,'2023-09-01 05:57:04','2023-09-01 05:57:04','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3394,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-56-1024x536.png\" alt=\"\" class=\"wp-image-3394\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Maybe you’re looking to build an emergency fund, save for a vacation or pay off your student loans quicker. Whatever your financial goals may be, finding different ways to save money each month can help. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can try making a small change, like canceling a subscription you’re not using. Or you might make a more consistent change, like actively cutting expenses to put a designated amount of money into savings each month. Read on for more creative ways to save money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Key takeaways</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>By making small or large changes to your day-to-day spending habits, you might be able to cut costs and put that extra money toward savings.</li><li>You can identify different ways to save money on monthly expenses with a bit of research and planning.</li><li>Different budgeting techniques might also help you create a plan to track your savings and spending.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\">Creative ways to save on food and drinks</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Check out these different ways to reduce your food spending.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">1. Give meal planning a try</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Before you head to the grocery store, come up with a plan for the meals and snacks you want to make for the week. This can help you stick to a plan to avoid impulse buys and overspending.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">2. Ditch the takeout&nbsp;</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Even though takeout can be convenient, regularly ordering to-go meals can really eat up your budget. Try keeping up on groceries and exploring time-saving recipes to avoid the temptation of placing a spontaneous order at your favorite eatery.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">3. Buy in bulk&nbsp;</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You may be able to save money by buying groceries in bulk. There’s an upfront cost, but depending on the items you purchase, you may be able to save more money over time.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, you can buy meat that’s on sale and freeze it to use later. Or stock up on big containers of grains, beans and nuts. To save more money, keep track of pricing and try to buy items when they’ve been marked down.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">4. Pack a lunch instead</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Instead of spending money to eat out at lunchtime, consider packing food from home. Avoiding takeout is even easier if you’re working remotely. You can use leftovers from dinner the night before or prep meals on the weekend for a convenient, grab-and-go lunch that helps you avoid extra spending.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">5. Look for dining specials</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Consider searching for dining specials before eating out. You can look for coupons, check the restaurant for a daily special or—if you’re a parent—find “kids eat free” promotions to keep more cash in your wallet.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Creative savings ideas for monthly expenses</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Browse through some of these ways you can save money on recurring monthly expenses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">6. Compare insurance rates and adjust your policy</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You may be able to save money by adjusting your insurance policies. You can start by comparing rates and plans across insurance carriers. Then, you can begin the process of adjusting your plan or carrier to help you save some money. Keep in mind you’ll also need to cancel your current plan and ensure there are no lapses in coverage.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">7. Cut down on subscriptions</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Subscriptions to entertainment streaming services, meal delivery kits and news platforms can be a convenient way to access the things you like. But month over month, they can cut into your overall budget. And sometimes you might not even realize you’re paying for them. So try carving out some time to manage the subscriptions you’re paying for to see if there are any areas you can cut.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">8. Save on utilities</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It can be helpful to review the cost of utilities in your home and find ways to cut costs. Here are a few tips from the Department of Energy:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Opt for energy-efficient appliances, lightbulbs and electronics.</li><li>Seal air leaks in windows and door frames.&nbsp;</li><li>Turn off your kitchen or bath fans after 20 minutes.</li><li>Lower your water heater’s thermostat to 120 degrees Fahrenheit.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">9. Consider your credit card use</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re using a credit card to make purchases, you can avoid credit card interest on new purchases by paying off your balance each month. You can also cut costs by finding ways to avoid some of the common credit card fees. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You may consider a cash back credit card for everyday expenses, too. A cash back card may not help you save money directly, but it could offer rewards to help offset the cost of things you’re already buying. And some cash back cards provide rewards for certain categories, like groceries or dining. So if you have a specific rewards goal in mind, you could compare credit cards to find the best option for your financial goals.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But applying for a new credit card may affect your credit score temporarily. So it may be a good idea to space out credit applications and consider checking whether you’re preapproved before applying.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Budgeting strategies to help you save money</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are some budgeting techniques you can use as part of a savings strategy.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">10. Avoid impulse buys</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While the occasional unexpected purchase is normal, making impulse buying a habit can add up over time. You can save money and avoid buyer’s remorse by trying a few of these strategies:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Stick to a budget.</li><li>Delay gratification—or wait a period of time before purchasing an item you’re interested in.</li><li>Unsubscribe from tempting promotional emails.</li><li>Make a shopping plan or list before going to the store.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">11. Consider zero-based budgeting</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Zero-based budgeting accounts for every dollar that you earn in a set period of time—typically on a monthly basis. This means all of your monthly expenses, debt payments and savings contributions, subtracted from your income, should equal zero at the end of a given period. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can create a zero-based budget by adding up all of your sources of income. Then, categorize your monthly spending based on fixed vs. variable expenses and savings contributions. From there, allocate every dollar from your income toward a category until you hit a zero balance.  </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">12. Pay yourself first</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Paying yourself first works by setting aside money toward your savings goals from each paycheck—before paying other expenses. The 50/20/30 budgeting approach—which entails allocating 50% of your income toward needs, 20% toward savings and 30% toward wants—can also be considered a pay-yourself-first type of budget.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">13. Try out digital money-saving options</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Having different budgeting platforms at your fingertips can help you set a budget and stick to it. There are a wide variety of platforms available to help you save money, depending on your preferences, financial goals and price point. Here are a few offerings from Capital One:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Budget with a card. </strong>You can use your Capital One credit card to further your budgeting goals by setting up account alerts, auto-pay and creating spending limits. Check out 7 tips to budget with a credit card for more information.  </li><li><strong>Capital One Mobile app.</strong> You can use some of the Capital One Mobile app tools, like monitoring upcoming bills and subscription charges and blocking recurring charges, to better manage your finances. </li><li><strong>Eno, your Capital One assistant. </strong>Eno is an intelligent assistant that makes account management easier so you can spend more time doing the things you love. </li><li><strong>CreditWise from Capital One. </strong>CreditWise is a digital tool that can help you monitor your credit health, understand your credit score and keep up with changes to your credit reports. It’s free, and using it won’t hurt your credit.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">14. Set up automatic transfers to a savings account</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Make saving money a routine by scheduling automatic transfers to your savings account. You can choose a small amount of money to start with and then increase it to bulk up the funds in your account. Plus, Capital One customers may be able to get paid sooner by setting up direct deposit.  </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Other creative ways to save money</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are a few other ways you can cut costs to further your savings goals.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">15. Reevaluate your gym membership&nbsp;</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can prioritize your fitness goals without sacrificing your budget. If you already have a gym membership, see if there’s a lower rate that’s being offered that you can take advantage of. You can also check if your employer or insurance will offset some or all of your gym membership cost.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">16. Look for free events</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can save money by looking for free entertainment and recreational activities. Consider a free outdoor activity like hiking or going to a park. Or check out a local festival or parade to pass the time without breaking the bank. If you want to stay inside, check to see if any local museums offer low-cost entrance fees or free hours or days.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">17. Remember your local library</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Don’t forget about the resources your local library may offer before purchasing things of your own.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In addition to books, some libraries offer movies and game rentals, as well as events you can attend for free or at a low cost.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">18. Learn to DIY</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Maybe you can forgo the nail salon and learn how to do an at-home manicure. Or maybe you can make homemade treats to give as gifts instead of purchasing expensive presents. Get creative and think of ways you can DIY to keep more cash in your wallet.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h4 class=\"has-black-color has-text-color has-large-font-size\">19. Keep the change</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re paying for something in cash, set aside any loose change in a separate jar and keep it for a rainy day. Over time, this spare change can add up, and you can put it back into your savings account or use it toward a larger purchase.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Creative savings ideas in a nutshell</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Putting away extra cash each month can add up over time to help you reach your savings goals. And you don’t necessarily have to make large changes to your spending habits to save money.</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.capitalone.com/learn-grow/money-management/creative-savings-ideas/\">click here.</a></p>\n<!-- /wp:paragraph -->','19 Creative Ways to Save Money','','inherit','closed','closed','','3393-revision-v1','','','2023-09-01 05:57:04','2023-09-01 05:57:04','',3393,'http://smartinsurance.tips/?p=3395',0,'revision','',0),(3396,1,'2023-09-01 09:15:57','2023-09-01 09:15:57','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Start right now. The younger you are, the more your savings can grow.</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\":3397,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-57-1024x536.png\" alt=\"\" class=\"wp-image-3397\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">In 2022, only 23 U.S. states required a personal finance course and 25 required an economics course for high school graduation. There are still knowledge gaps for young adults to learn how to manage money, apply for credit, and stay out of debt.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Taking the time to learn a few basic financial rules can help you build a healthy financial future.</li><li>Start an emergency fund and pay yourself every month.</li><li>Saving for retirement is an integral part of any financial plan, and your nest egg can grow with the power of compound interest.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-4\">1. Pay With Cash, Not Credit</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\">Exercise patience and self-control with your finances. If you wait and save money for what you need, you will pay with cash or a debit card to deduct money directly from your checking account and avoid using a credit card.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">A credit card is a loan that accumulates interest unless you can afford to pay off the balance in full every month. Credit cards can help you build a good credit score but use them for emergencies only.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-9\">2. Educate Yourself</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">Take charge of your financial future and read a few basic books on personal finance. Once armed with knowledge, don’t let anyone take you off track, whether a significant other who encourages you to waste money or friends who plan expensive trips and events you can\'t afford. Research professionals like financial planners, mortgage lenders, or accountants before utilizing their services.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-12\">3. Learn to Budget</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-13\">Once you’ve read a few personal finance books, you will understand two rules. Never let your expenses exceed your income, and watch where your money goes. The best way to do this is by budgeting and creating a personal spending plan to track the money coming in and going out.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-15\">Tracking expenses, like your expensive morning coffee, can provide a valuable wake-up call. Small changes in your everyday expenses are under your control and can impact your financial situation. Keeping monthly expenses, like rent, as low as possible can save you money over time and put you in a position to invest in your own home sooner than later.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-17\">4. Start an Emergency Fund</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-18\">A mantra in personal finance is “pay yourself first,” which means saving money for emergencies and your future. This simple practice keeps you out of trouble financially and helps you sleep better at night. The tightest budget should put some money into an emergency fund every month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-20\">Once you get into the habit of saving money, you will stop treating savings as optional and start treating it as a required monthly expense. Many accounts offer the power of compound interest, such as a high-yield savings account, short-term certificate of deposit (CD), or money market account.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-22\">5. Save for Retirement Now</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\">No matter how young you are, plan for your retirement now. With the power of compound interest, when you start saving in your 20s, you will earn interest not only on the principal you deposit but also on the interest you earn over time, and you will have what you need to retire someday.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-25\">Company-sponsored retirement plans are a great choice. Not only do you get to put in pretax dollars, but many companies will also match part of your contribution, which is free money. Contribution limits tend to be higher for 401(k)s than for individual retirement accounts (IRAs), but both are one step closer to financial health.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Tip: If you invest $200 a month, averaging a positive return of 9% annually over 40 years, you will save $856,214 for retirement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-29\">6. Monitor Your Taxes</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-30\">When a company offers you a starting salary, calculate whether that salary after taxes meets your financial needs and savings goals. Many online calculators help you see your after-tax salary, such as PaycheckCity.com, and chart your gross pay (total earnings) and net pay (earnings after taxes and other deductions or take-home pay). In 2022, an annual salary of $35,000 in New York netted $28,270 after federal and state taxes, or about $2,356 per month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\">In the U.S., low-income earners are taxed at a lower rate than higher-income earners—the higher your salary, the higher the tax rate. A salary increase from $35,000 to $41,000 a year looks like an extra $6,000 per year or $500 per month, but the tax rate will be higher, so it will only give you $4,227, or $352 per month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-34\">7. Guard Your Health</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-35\">If you’re uninsured, don’t wait to apply for health insurance. If employed, your employer may offer health insurance, including high-deductible health plans that save on premiums and qualify you for a Health Savings Account (HSA). If you’re under the age of 26, you may be to stay on your parent’s health insurance, an option that has been allowed since the 2010 passage of the Affordable Care Act (ACA).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-39\">8. Protect Your Wealth</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-40\">If you rent, get renter\'s insurance to protect the contents of your home from loss due to burglary or fire. Read the policy carefully to see what’s covered and what isn’t. Disability insurance protects your ability to earn an income by providing you with a steady income if you are unable to work for an extended period due to illness or injury.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-42\">If you want help managing your money, find a fee-only financial planner to provide unbiased advice. Unlike a commission-based financial advisor, who earns money when you sign up with the investments their company markets, a fee-only planner can provide advice in your best interest.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Do I Choose a Financial Advisor?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">An excellent choice for a young adult is a fee-only financial planner. Unlike a commission-based advisor, who earns a commission if they sign you up with their company\'s investment plans, a fee-only planner has no personal incentive beyond your best interest, so they have no reason not to give you unbiased advice.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Why Is Compound Interest So Powerful?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Compound interest is one of the most powerful forces in finance because it grows your money exponentially, which means it can supercharge your savings over time. You earn interest on your principal and on the interest your earn.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Why Did My Paycheck Shrink After My Raise?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The higher your salary, the higher your tax rate. If you just got a raise or took a new job at a higher salary, the change in the marginal tax rate on the additional income will affect your paycheck. For example, if a salary increase of $6,000 per year bumps you up into a higher tax bracket, the percentage of your income that goes to taxes bumps up as well—which will make your paycheck smaller than expected.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-50\">The Bottom Line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-51\">You don’t need an MBA in Finance or specialized training to become an expert at managing your finances. By following these eight tips, you will be on the path to financial security.</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/younginvestors/08/eight-tips.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','8 Financial Tips for Young Adults','','publish','closed','closed','','8-financial-tips-for-young-adults-2','','','2023-09-01 09:15:57','2023-09-01 09:15:57','',0,'http://smartinsurance.tips/?p=3396',0,'post','',0),(3397,1,'2023-09-01 09:07:09','2023-09-01 09:07:09','','My-project-1-57','','inherit','closed','closed','','my-project-1-57','','','2023-09-01 09:07:09','2023-09-01 09:07:09','',3396,'http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-57.png',0,'attachment','image/png',0),(3398,1,'2023-09-01 09:15:57','2023-09-01 09:15:57','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Start right now. The younger you are, the more your savings can grow.</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\":3397,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-57-1024x536.png\" alt=\"\" class=\"wp-image-3397\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">In 2022, only 23 U.S. states required a personal finance course and 25 required an economics course for high school graduation. There are still knowledge gaps for young adults to learn how to manage money, apply for credit, and stay out of debt.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block-callout-heading_1-0\"><strong>KEY TAKEAWAYS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Taking the time to learn a few basic financial rules can help you build a healthy financial future.</li><li>Start an emergency fund and pay yourself every month.</li><li>Saving for retirement is an integral part of any financial plan, and your nest egg can grow with the power of compound interest.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-4\">1. Pay With Cash, Not Credit</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\">Exercise patience and self-control with your finances. If you wait and save money for what you need, you will pay with cash or a debit card to deduct money directly from your checking account and avoid using a credit card.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">A credit card is a loan that accumulates interest unless you can afford to pay off the balance in full every month. Credit cards can help you build a good credit score but use them for emergencies only.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-9\">2. Educate Yourself</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-10\">Take charge of your financial future and read a few basic books on personal finance. Once armed with knowledge, don’t let anyone take you off track, whether a significant other who encourages you to waste money or friends who plan expensive trips and events you can\'t afford. Research professionals like financial planners, mortgage lenders, or accountants before utilizing their services.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-12\">3. Learn to Budget</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-13\">Once you’ve read a few personal finance books, you will understand two rules. Never let your expenses exceed your income, and watch where your money goes. The best way to do this is by budgeting and creating a personal spending plan to track the money coming in and going out.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-15\">Tracking expenses, like your expensive morning coffee, can provide a valuable wake-up call. Small changes in your everyday expenses are under your control and can impact your financial situation. Keeping monthly expenses, like rent, as low as possible can save you money over time and put you in a position to invest in your own home sooner than later.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-17\">4. Start an Emergency Fund</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-18\">A mantra in personal finance is “pay yourself first,” which means saving money for emergencies and your future. This simple practice keeps you out of trouble financially and helps you sleep better at night. The tightest budget should put some money into an emergency fund every month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-20\">Once you get into the habit of saving money, you will stop treating savings as optional and start treating it as a required monthly expense. Many accounts offer the power of compound interest, such as a high-yield savings account, short-term certificate of deposit (CD), or money market account.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-22\">5. Save for Retirement Now</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\">No matter how young you are, plan for your retirement now. With the power of compound interest, when you start saving in your 20s, you will earn interest not only on the principal you deposit but also on the interest you earn over time, and you will have what you need to retire someday.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-25\">Company-sponsored retirement plans are a great choice. Not only do you get to put in pretax dollars, but many companies will also match part of your contribution, which is free money. Contribution limits tend to be higher for 401(k)s than for individual retirement accounts (IRAs), but both are one step closer to financial health.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Tip: If you invest $200 a month, averaging a positive return of 9% annually over 40 years, you will save $856,214 for retirement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-29\">6. Monitor Your Taxes</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-30\">When a company offers you a starting salary, calculate whether that salary after taxes meets your financial needs and savings goals. Many online calculators help you see your after-tax salary, such as PaycheckCity.com, and chart your gross pay (total earnings) and net pay (earnings after taxes and other deductions or take-home pay). In 2022, an annual salary of $35,000 in New York netted $28,270 after federal and state taxes, or about $2,356 per month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\">In the U.S., low-income earners are taxed at a lower rate than higher-income earners—the higher your salary, the higher the tax rate. A salary increase from $35,000 to $41,000 a year looks like an extra $6,000 per year or $500 per month, but the tax rate will be higher, so it will only give you $4,227, or $352 per month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-34\">7. Guard Your Health</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-35\">If you’re uninsured, don’t wait to apply for health insurance. If employed, your employer may offer health insurance, including high-deductible health plans that save on premiums and qualify you for a Health Savings Account (HSA). If you’re under the age of 26, you may be to stay on your parent’s health insurance, an option that has been allowed since the 2010 passage of the Affordable Care Act (ACA).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-39\">8. Protect Your Wealth</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-40\">If you rent, get renter\'s insurance to protect the contents of your home from loss due to burglary or fire. Read the policy carefully to see what’s covered and what isn’t. Disability insurance protects your ability to earn an income by providing you with a steady income if you are unable to work for an extended period due to illness or injury.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-42\">If you want help managing your money, find a fee-only financial planner to provide unbiased advice. Unlike a commission-based financial advisor, who earns money when you sign up with the investments their company markets, a fee-only planner can provide advice in your best interest.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Do I Choose a Financial Advisor?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">An excellent choice for a young adult is a fee-only financial planner. Unlike a commission-based advisor, who earns a commission if they sign you up with their company\'s investment plans, a fee-only planner has no personal incentive beyond your best interest, so they have no reason not to give you unbiased advice.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Why Is Compound Interest So Powerful?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Compound interest is one of the most powerful forces in finance because it grows your money exponentially, which means it can supercharge your savings over time. You earn interest on your principal and on the interest your earn.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Why Did My Paycheck Shrink After My Raise?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The higher your salary, the higher your tax rate. If you just got a raise or took a new job at a higher salary, the change in the marginal tax rate on the additional income will affect your paycheck. For example, if a salary increase of $6,000 per year bumps you up into a higher tax bracket, the percentage of your income that goes to taxes bumps up as well—which will make your paycheck smaller than expected.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-50\">The Bottom Line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-51\">You don’t need an MBA in Finance or specialized training to become an expert at managing your finances. By following these eight tips, you will be on the path to financial security.</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/younginvestors/08/eight-tips.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','8 Financial Tips for Young Adults','','inherit','closed','closed','','3396-revision-v1','','','2023-09-01 09:15:57','2023-09-01 09:15:57','',3396,'http://smartinsurance.tips/?p=3398',0,'revision','',0),(3399,1,'2023-09-01 09:23:11','2023-09-01 09:23:11','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Google and Apple have rolled out passkeys, but the technology isn\'t yet seamless across all browsers, operating systems, and devices.</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\":3400,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-70-1024x536.png\" alt=\"\" class=\"wp-image-3400\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For years, security experts have emphasized the importance of creating strong and unique passwords. But even the most complex passwords are vulnerable to phishing, where unsuspecting users are tricked into disclosing their passwords or entering them at a fraudulent look-alike website controlled by the attackers. Even using an authentication app like Authenticator or Authy isn’t foolproof—you could still be tricked into entering your one-time password on a fake log-in page.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Because of the risks of passwords, the tech industry has been eager to create a password-free future. Passkeys—developed by Apple, Google, Microsoft, and others—are an alternative to passwords, and they provide robust protection against phishing attacks and website breaches. The launch of passkeys for Google accounts is the latest step to improving safety on digital accounts and ownership of your personal information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Physical security keys, which can distinguish between legitimate websites and look-alikes, are another technology that many security pros recommend. But passkeys might appeal to more people, because they are free, and you don’t need to carry them around.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Passkeys can be used on phones, tablets, or computers, and implemented across devices. The technology still isn’t as widespread and convenient to use as it could be. However, it’s not too early to consider using it for at least some of your accounts as passkeys continue to be integrated and standardized across services.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Passkeys Work</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Passkeys use public-key encryption for security, which means that one key is stored on your device, and the other is with the service on which your account is held. Passkeys can also be synced to the cloud, and your key can be copied from one device, such as your phone or laptop, to another.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Passkeys require some form of authentication before they can be used. That might be the passcode you use to unlock your screen, or a form of biometric authentication such as a face scan or a fingerprint. That biometric data stays local on your own device—it’s not shared with the services you use.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Using a passkey means you can’t accidentally enter your personal log-in on a malicious site or give it to a phishing account, making passkeys more secure than a traditional password.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">What happens if you lose your phone—do you also lose access to your online accounts? This should not be a problem, as long as you’ve connected your passkey across multiple devices. And you can revoke a passkey for your Google account in your password settings, or from your Mac and iCloud keychain.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How to Get Started With Passkeys</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A handful of services are rolling out passkeys. Android devices may automatically create passkeys when you log in to your Google account. You can start using passkeys for personal Google accounts by going to this page and selecting “start using passkeys.” You need Windows 10 or up to use passkeys on a PC, and Windows 11, version 22H2 or newer to access features such as synchronization. Some browsers might not support passkeys, so you may need to switch to a supported browser to set up a passkey for your Google account. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Apple requires you to use a traditional password to log in to your Apple ID, but creating a passkey on an Apple device will let you sign in with that passkey on any Apple device, as long as your device runs iOS 16 or macOS Ventura or newer, and you are using iCloud Keychain.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can already use passkeys with dozens of companies, such as Best Buy, Hyatt, and PayPal. See this full directory of passkeys. For more information on setup, check out the Freedom of the Press Foundation’s guide to passkeys, or the following instructions for major platforms:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">• Passkeys on a Google account<br>• Passkeys for Chrome and Android<br>• Passkeys on a Mac<br>• Passkeys on an iPhone <br>• Passkeys on an iPad</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Sharing Your Passkey</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">What about the accounts we share with others? You might think that passkeys would make this harder, but Apple allows you to AirDrop a shared passkey with people in physical proximity to you, so you can share accounts with trusted individuals much like you can do for passwords in Apple.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you need to borrow a friend’s phone or use a shared computer, Google lets you scan a one-time QR code from your phone, which will give you access to your account on the borrowed or shared device without storing your passkey on it. The device you’re borrowing just needs to be nearby. (The technology checks to see if the two devices are in Bluetooth range of each other, to protect against remote attacks.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Passkey Limitations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Currently, passkeys are available only on select websites, apps, and services. Keeping track of where you can use them can be challenging. For example, if you use a passkey to log in to an app on your phone, you’ll still need a password on your laptop if you want to use a browser that doesn’t yet work with passkeys.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Getting passkeys set up on your various devices can be tricky because things don’t always sync seamlessly. For example, you can share passkeys across Apple devices using iCloud Keychain, and you can share them across Android and Chrome devices using Google Password manager. But there is not yet a seamless and easy way to share passkeys across iPhone and Android devices or across Windows devices.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The technology has other quirks, too. You can use passkeys with Apple’s Safari browser, but if you are on a MacBook, you may have to use the Chrome browser to set up a Google passkey. (Check this table to see if you can use passkeys on your preferred operating systems, browsers, and devices.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The user experience around passkeys “can definitely be improved based on availability of the services and lack of consistency around how exactly you get the keys on your devices,” says Martin Shelton, principal researcher at Freedom of the Press Foundation. “That said, I also believe it’s really exciting technology because it could—pending availability—make it a lot easier for people to stop typing their password on malicious websites.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Passkeys are still in their early stages.&nbsp;Given that they’re not yet available for all services, operating systems, and devices, it’s too soon to switch away from using passwords for all your online security. But you can start experimenting with passkeys on accounts where it makes sense for you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Either way, you’ll still want to use a password manager to keep your passwords safe. Some password managers even allow you to store passkeys, and more are working on this feature. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can also store passkeys on a security key. That passkey can’t be copied from the security key. That can make it more secure, but it’s important to register these passkeys on multiple keys kept in different locations if you do decide to use them.</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.consumerreports.org/electronics/digital-security/should-you-use-passkeys-instead-of-passwords-a1201817243/\">click here.</a></p>\n<!-- /wp:paragraph -->','Should You Use Passkeys Instead of Passwords?','','publish','closed','closed','','should-you-use-passkeys-instead-of-passwords','','','2023-09-01 09:23:11','2023-09-01 09:23:11','',0,'http://smartinsurance.tips/?p=3399',0,'post','',0),(3400,1,'2023-09-01 09:17:26','2023-09-01 09:17:26','','My-project-1-70','','inherit','closed','closed','','my-project-1-70','','','2023-09-01 09:17:26','2023-09-01 09:17:26','',3399,'http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-70.png',0,'attachment','image/png',0),(3401,1,'2023-09-01 09:23:11','2023-09-01 09:23:11','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Google and Apple have rolled out passkeys, but the technology isn\'t yet seamless across all browsers, operating systems, and devices.</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\":3400,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-70-1024x536.png\" alt=\"\" class=\"wp-image-3400\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For years, security experts have emphasized the importance of creating strong and unique passwords. But even the most complex passwords are vulnerable to phishing, where unsuspecting users are tricked into disclosing their passwords or entering them at a fraudulent look-alike website controlled by the attackers. Even using an authentication app like Authenticator or Authy isn’t foolproof—you could still be tricked into entering your one-time password on a fake log-in page.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Because of the risks of passwords, the tech industry has been eager to create a password-free future. Passkeys—developed by Apple, Google, Microsoft, and others—are an alternative to passwords, and they provide robust protection against phishing attacks and website breaches. The launch of passkeys for Google accounts is the latest step to improving safety on digital accounts and ownership of your personal information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Physical security keys, which can distinguish between legitimate websites and look-alikes, are another technology that many security pros recommend. But passkeys might appeal to more people, because they are free, and you don’t need to carry them around.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Passkeys can be used on phones, tablets, or computers, and implemented across devices. The technology still isn’t as widespread and convenient to use as it could be. However, it’s not too early to consider using it for at least some of your accounts as passkeys continue to be integrated and standardized across services.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Passkeys Work</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Passkeys use public-key encryption for security, which means that one key is stored on your device, and the other is with the service on which your account is held. Passkeys can also be synced to the cloud, and your key can be copied from one device, such as your phone or laptop, to another.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Passkeys require some form of authentication before they can be used. That might be the passcode you use to unlock your screen, or a form of biometric authentication such as a face scan or a fingerprint. That biometric data stays local on your own device—it’s not shared with the services you use.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Using a passkey means you can’t accidentally enter your personal log-in on a malicious site or give it to a phishing account, making passkeys more secure than a traditional password.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">What happens if you lose your phone—do you also lose access to your online accounts? This should not be a problem, as long as you’ve connected your passkey across multiple devices. And you can revoke a passkey for your Google account in your password settings, or from your Mac and iCloud keychain.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How to Get Started With Passkeys</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A handful of services are rolling out passkeys. Android devices may automatically create passkeys when you log in to your Google account. You can start using passkeys for personal Google accounts by going to this page and selecting “start using passkeys.” You need Windows 10 or up to use passkeys on a PC, and Windows 11, version 22H2 or newer to access features such as synchronization. Some browsers might not support passkeys, so you may need to switch to a supported browser to set up a passkey for your Google account. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Apple requires you to use a traditional password to log in to your Apple ID, but creating a passkey on an Apple device will let you sign in with that passkey on any Apple device, as long as your device runs iOS 16 or macOS Ventura or newer, and you are using iCloud Keychain.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can already use passkeys with dozens of companies, such as Best Buy, Hyatt, and PayPal. See this full directory of passkeys. For more information on setup, check out the Freedom of the Press Foundation’s guide to passkeys, or the following instructions for major platforms:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">• Passkeys on a Google account<br>• Passkeys for Chrome and Android<br>• Passkeys on a Mac<br>• Passkeys on an iPhone <br>• Passkeys on an iPad</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Sharing Your Passkey</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">What about the accounts we share with others? You might think that passkeys would make this harder, but Apple allows you to AirDrop a shared passkey with people in physical proximity to you, so you can share accounts with trusted individuals much like you can do for passwords in Apple.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you need to borrow a friend’s phone or use a shared computer, Google lets you scan a one-time QR code from your phone, which will give you access to your account on the borrowed or shared device without storing your passkey on it. The device you’re borrowing just needs to be nearby. (The technology checks to see if the two devices are in Bluetooth range of each other, to protect against remote attacks.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Passkey Limitations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Currently, passkeys are available only on select websites, apps, and services. Keeping track of where you can use them can be challenging. For example, if you use a passkey to log in to an app on your phone, you’ll still need a password on your laptop if you want to use a browser that doesn’t yet work with passkeys.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Getting passkeys set up on your various devices can be tricky because things don’t always sync seamlessly. For example, you can share passkeys across Apple devices using iCloud Keychain, and you can share them across Android and Chrome devices using Google Password manager. But there is not yet a seamless and easy way to share passkeys across iPhone and Android devices or across Windows devices.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The technology has other quirks, too. You can use passkeys with Apple’s Safari browser, but if you are on a MacBook, you may have to use the Chrome browser to set up a Google passkey. (Check this table to see if you can use passkeys on your preferred operating systems, browsers, and devices.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The user experience around passkeys “can definitely be improved based on availability of the services and lack of consistency around how exactly you get the keys on your devices,” says Martin Shelton, principal researcher at Freedom of the Press Foundation. “That said, I also believe it’s really exciting technology because it could—pending availability—make it a lot easier for people to stop typing their password on malicious websites.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Passkeys are still in their early stages.&nbsp;Given that they’re not yet available for all services, operating systems, and devices, it’s too soon to switch away from using passwords for all your online security. But you can start experimenting with passkeys on accounts where it makes sense for you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Either way, you’ll still want to use a password manager to keep your passwords safe. Some password managers even allow you to store passkeys, and more are working on this feature. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can also store passkeys on a security key. That passkey can’t be copied from the security key. That can make it more secure, but it’s important to register these passkeys on multiple keys kept in different locations if you do decide to use them.</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.consumerreports.org/electronics/digital-security/should-you-use-passkeys-instead-of-passwords-a1201817243/\">click here.</a></p>\n<!-- /wp:paragraph -->','Should You Use Passkeys Instead of Passwords?','','inherit','closed','closed','','3399-revision-v1','','','2023-09-01 09:23:11','2023-09-01 09:23:11','',3399,'http://smartinsurance.tips/?p=3401',0,'revision','',0),(3402,1,'2023-09-01 09:29:55','2023-09-01 09:29:55','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3403,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-71-1024x536.png\" alt=\"\" class=\"wp-image-3403\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">How would you respond if someone asked you, \"Are you productive?\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">As knowledge workers who value our work and strive for continuous improvement, we might be quick to answer \"yes\" or \"of course.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But how well do we really know our level of productivity?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Measuring productivity is essential for anyone who wants to be more efficient and effective in their workflow. Yet, it can feel daunting to do so accurately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are several ways to measure productivity. Choosing one will depend on your goals and how you want to improve. In this article, you\'ll discover how to measure productivity, why it matters, and how you can use it to get more done.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>What Is Productivity?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Before we can learn how to measure productivity, we need to understand what productivity means. The Merriam-Webster dictionary defines productivity as “the quality or state of being productive,” i.e., yielding results, benefits, or profits. But overall productivity and how to measure it can be tricky to understand because it can mean different things depending on the context.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For many businesses, productivity measurements are calculated using a simple formula. The productivity formula —&nbsp;<strong>total output / total input = productivity&nbsp;</strong>— calculates the total output (goods or services) produced using a given input (e.g., period of time, hours of work, etc.).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A kazoo factory, for example, might measure productivity based on the value of how many kazoos they make per month. If they produce $16,000 worth of kazoos in a month when employees work 400 hours, the formula is&nbsp;<strong>$16,000 / 400 = $40 / hour</strong>. This means that the factory produces $40 worth of kazoos every hour.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While this formula helps measure one type of productivity, it doesn\'t give the complete picture. For instance, it doesn\'t consider other important factors like output quality or production process costs. The kazoo factory might be able to produce many kazoos per hour, but if those kazoos are of poor quality, they won\'t sell as well. And, if the factory spends more money than it makes in sales, it won’t be very productive or profitable.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Measuring productivity has many layers, and it can be even more difficult to calculate personal productivity for knowledge workers who don\'t produce a physical product.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>The Significance of Measuring Productivity</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whether you\'re manufacturing kazoos or developing software, measuring productivity is crucial. When you measure your productivity, you can gain insights to help you improve efficiency, effectiveness, and profitability.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Measuring productivity can also be beneficial in several other ways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Hold yourself accountable:</strong> Tracking your progress is a way to stay committed when you have specific goals. Objective data can help you stay on track and motivated.</li><li><strong>Improve your time management skills:</strong> By keeping track of how you spend your time and comparing it to how much you accomplish, you can identify areas to improve efficiency.</li><li><strong>Assess your progress over time:</strong> Seeing how much you\'ve accomplished and watching your measurements improve can be motivating and help you set future goals.</li><li><strong>Identify your peak hours:</strong> We each have our own optimal time to be productive. Measuring your productivity can help you identify your peak focus hours and plan strategically.</li><li><strong>Uncover areas for improvement:</strong> In time, regularly tracking your productivity metrics can reveal strengths and areas that need improvement. This information can help you make changes to improve your efficiency and increase productivity.</li><li><strong>Benchmark against others:</strong> If you\'re curious about how your productivity stacks up against others, measuring it is the only way to find out. This information can be helpful if you’re aiming for advancement or incentives.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Of all these benefits, the most important one is this: Measuring your productivity can help you improve it. When you understand your strengths and weaknesses, you can improve your work habits and routines to get more done in less time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>How to Measure Productivity Using 5 Strategies</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While measuring productivity has obvious benefits, understanding how to measure productivity can be a bit tricky. A common mistake people make is confusing efficiency with productivity.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When you\'re efficient, you accomplish tasks faster than the average person. Even though that\'s one aspect of being productive, if you\'re doing unnecessary or poor-quality work efficiently, that doesn\'t make you productive. A productive person gets the right things done efficiently and in the right way.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This is why using a wide range of metrics is essential to measure overall productivity accurately. Try a few of these effective productivity measurement strategies to get started.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>1. Task and Time Tracking</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Task tracking is one of the most basic and essential ways to measure productivity. Keeping daily or weekly lists of tasks, such as checklists or to-do lists, helps you break down your work into smaller, more manageable pieces. You can then set a specific number of tasks you’d like to complete and track productivity as you check off each item.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Time tracking goes hand-in-hand with task tracking. Tracking your time alongside managing your tasks can help you better understand how long each job takes you to complete. That way you can budget your time more effectively and optimize your workflow.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This strategy can be as simple as a task list and timer, or you can use more elaborate digital tools. Plenty of task tracking and to-do list apps can help you keep up with tasks.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A time-tracking app like Rize monitors your workday in real time, identifying how you’re spending your day and the amount of time you’re actually focused. Tracking and categorizing your time can help you see how often you’re succumbing to distractions and if you’re being as productive as you think you are.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>2. Assigned Benchmarks</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One common way businesses measure productivity is by using assigned benchmarks. For example, suppose a company aims to produce 100 widgets in one hour. They can use that benchmark to measure their productivity. If one day the company only makes 80 widgets per hour, then its productivity was at 80%.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This method can also be used to measure employee productivity. In many cases, employees are given a standard or benchmark for evaluating their performance. These might be numbers to meet for quality of work, quantity of sales, or a number of other metrics that help measure company goals.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Having productivity metrics to measure against can help you stay on track and motivated. For example, if you have a benchmark to write six articles in one week, you can measure your productivity by the total number you complete. If you only write three articles, your weekly productivity measurement is 50%.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">How you’re assigned benchmarks will depend on your company’s goals, or you may have a hand in setting them for yourself. If so, it\'s important to set standards that are realistic and achievable. Otherwise, you might become discouraged when you can’t reach that level of productivity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>3. Short- and Long-Term Goals</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another way to measure productivity is by setting short-term and long-term goals. Short-term goals are those you hope to achieve soon — these are the items on your daily and weekly task lists. Long-term goals are ones you want to accomplish in the long run — they might be your annual goals or your five-year plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In the short term, a goal might be to deliver a completed client project by the end of the week. You can use that due date to measure your productivity by setting daily mini-goals. Check-in on your goals each workday, and if you’re meeting your daily targets, your level of productivity is on track. However, if you\'re not making enough progress, you\'ll know you need to improve your time management and increase productivity if you want to meet the deadline.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Long-term goals are a little more challenging to measure because they often take months or even years. However, you can still use them to gauge your overall productivity. Break them down into smaller goals and follow the same process as short-term goals.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, if your long-term goal is to double your social media impressions in a year, break the desired total number down into monthly targets. As you check your monthly reports, reaching those smaller goals will let you know you\'re on track. As a bonus, this approach allows you to adjust plans as needed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>4. 360-Degree Feedback</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can also use feedback to gauge your current level of productivity. One popular method is 360-degree feedback. Using this approach, multiple sources — e.g., managers, coworkers, team members, clients — offer a well-rounded assessment. A feedback circle is often considered an unbiased and fair method of evaluating employee performance since it doesn\'t depend solely on one opinion.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adapt this to your productivity by collecting feedback from those you work with most. Ask a coworker directly, set up a meeting with your boss, or design a survey template they can fill out at their convenience. The survey method can benefit freelancers, contractors, and others without formal performance review systems. Employees should discuss their options with their employers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you create a survey, a few considerations can help you optimize it for success:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Explain why you need feedback and how you will use it.</li><li>Take precautions to ensure confidentiality.</li><li>Create a survey that is comprehensive but easy to complete.</li><li>Choose the right productivity measures rather than just focusing on labor hours — e.g., meeting deadlines, total output against a relevant project baseline, and other appropriate benchmarks.</li><li>Structure the assessment to discover strengths, not just deficiencies.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The feedback method can be helpful because it gives you an idea of how others perceive your productivity. However, this strategy is less objective than other methods as the feedback could be either positively or negatively biased. If you decide to use the circle of feedback method, be sure to collect feedback from various sources. This will help you get a more well-rounded view of your productivity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>5. Self-Evaluations</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A self-evaluation is exactly what it sounds like — you evaluate your own productivity. To conduct a self-evaluation, start by looking at your current and past short-term and long-term goals. Use any metrics you’ve gathered to conduct an assessment, like a time audit or weekly work plan review. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Note how often you met your goals and how well you met them. If you didn\'t meet a goal, ask yourself why. Was it because you procrastinated? Was the goal unrealistic?&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Also, consider how you felt about your work. Did you enjoy it? Were you proud of the results? If not, why? These questions can help you identify your productivity strengths and areas where you can make changes.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Self-evaluations are helpful, but they can be challenging. It\'s essential to approach them with honesty and an openness to change. Combining several productivity measurement strategies can be beneficial as well. Using numbers and other objective metrics can help ensure you aren\'t too hard on yourself (or too lenient).&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Learn How to Measure Productivity and See Your Focus Rise</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These are just a few productivity measurement strategies that can help you assess your overall productivity. By combining multiple methods, you can get a well-rounded view of your productivity and identify strengths and areas for improvement. Just remember — productivity metrics are much less important than actually putting in the work to increase productivity.</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://rize.io/blog/how-to-measure-productivity\">click here.</a></p>\n<!-- /wp:paragraph -->','Discover How to Measure Productivity Using 5 Simple Strategies','','publish','closed','closed','','discover-how-to-measure-productivity-using-5-simple-strategies','','','2023-09-01 09:29:55','2023-09-01 09:29:55','',0,'http://smartinsurance.tips/?p=3402',0,'post','',0),(3403,1,'2023-09-01 09:24:03','2023-09-01 09:24:03','','My-project-1-71','','inherit','closed','closed','','my-project-1-71','','','2023-09-01 09:24:03','2023-09-01 09:24:03','',3402,'http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-71.png',0,'attachment','image/png',0),(3404,1,'2023-09-01 09:29:55','2023-09-01 09:29:55','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3403,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-71-1024x536.png\" alt=\"\" class=\"wp-image-3403\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">How would you respond if someone asked you, \"Are you productive?\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">As knowledge workers who value our work and strive for continuous improvement, we might be quick to answer \"yes\" or \"of course.\"</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But how well do we really know our level of productivity?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Measuring productivity is essential for anyone who wants to be more efficient and effective in their workflow. Yet, it can feel daunting to do so accurately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are several ways to measure productivity. Choosing one will depend on your goals and how you want to improve. In this article, you\'ll discover how to measure productivity, why it matters, and how you can use it to get more done.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>What Is Productivity?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Before we can learn how to measure productivity, we need to understand what productivity means. The Merriam-Webster dictionary defines productivity as “the quality or state of being productive,” i.e., yielding results, benefits, or profits. But overall productivity and how to measure it can be tricky to understand because it can mean different things depending on the context.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For many businesses, productivity measurements are calculated using a simple formula. The productivity formula —&nbsp;<strong>total output / total input = productivity&nbsp;</strong>— calculates the total output (goods or services) produced using a given input (e.g., period of time, hours of work, etc.).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A kazoo factory, for example, might measure productivity based on the value of how many kazoos they make per month. If they produce $16,000 worth of kazoos in a month when employees work 400 hours, the formula is&nbsp;<strong>$16,000 / 400 = $40 / hour</strong>. This means that the factory produces $40 worth of kazoos every hour.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While this formula helps measure one type of productivity, it doesn\'t give the complete picture. For instance, it doesn\'t consider other important factors like output quality or production process costs. The kazoo factory might be able to produce many kazoos per hour, but if those kazoos are of poor quality, they won\'t sell as well. And, if the factory spends more money than it makes in sales, it won’t be very productive or profitable.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Measuring productivity has many layers, and it can be even more difficult to calculate personal productivity for knowledge workers who don\'t produce a physical product.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>The Significance of Measuring Productivity</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whether you\'re manufacturing kazoos or developing software, measuring productivity is crucial. When you measure your productivity, you can gain insights to help you improve efficiency, effectiveness, and profitability.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Measuring productivity can also be beneficial in several other ways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Hold yourself accountable:</strong> Tracking your progress is a way to stay committed when you have specific goals. Objective data can help you stay on track and motivated.</li><li><strong>Improve your time management skills:</strong> By keeping track of how you spend your time and comparing it to how much you accomplish, you can identify areas to improve efficiency.</li><li><strong>Assess your progress over time:</strong> Seeing how much you\'ve accomplished and watching your measurements improve can be motivating and help you set future goals.</li><li><strong>Identify your peak hours:</strong> We each have our own optimal time to be productive. Measuring your productivity can help you identify your peak focus hours and plan strategically.</li><li><strong>Uncover areas for improvement:</strong> In time, regularly tracking your productivity metrics can reveal strengths and areas that need improvement. This information can help you make changes to improve your efficiency and increase productivity.</li><li><strong>Benchmark against others:</strong> If you\'re curious about how your productivity stacks up against others, measuring it is the only way to find out. This information can be helpful if you’re aiming for advancement or incentives.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Of all these benefits, the most important one is this: Measuring your productivity can help you improve it. When you understand your strengths and weaknesses, you can improve your work habits and routines to get more done in less time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>How to Measure Productivity Using 5 Strategies</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While measuring productivity has obvious benefits, understanding how to measure productivity can be a bit tricky. A common mistake people make is confusing efficiency with productivity.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When you\'re efficient, you accomplish tasks faster than the average person. Even though that\'s one aspect of being productive, if you\'re doing unnecessary or poor-quality work efficiently, that doesn\'t make you productive. A productive person gets the right things done efficiently and in the right way.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This is why using a wide range of metrics is essential to measure overall productivity accurately. Try a few of these effective productivity measurement strategies to get started.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>1. Task and Time Tracking</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Task tracking is one of the most basic and essential ways to measure productivity. Keeping daily or weekly lists of tasks, such as checklists or to-do lists, helps you break down your work into smaller, more manageable pieces. You can then set a specific number of tasks you’d like to complete and track productivity as you check off each item.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Time tracking goes hand-in-hand with task tracking. Tracking your time alongside managing your tasks can help you better understand how long each job takes you to complete. That way you can budget your time more effectively and optimize your workflow.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This strategy can be as simple as a task list and timer, or you can use more elaborate digital tools. Plenty of task tracking and to-do list apps can help you keep up with tasks.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A time-tracking app like Rize monitors your workday in real time, identifying how you’re spending your day and the amount of time you’re actually focused. Tracking and categorizing your time can help you see how often you’re succumbing to distractions and if you’re being as productive as you think you are.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>2. Assigned Benchmarks</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One common way businesses measure productivity is by using assigned benchmarks. For example, suppose a company aims to produce 100 widgets in one hour. They can use that benchmark to measure their productivity. If one day the company only makes 80 widgets per hour, then its productivity was at 80%.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This method can also be used to measure employee productivity. In many cases, employees are given a standard or benchmark for evaluating their performance. These might be numbers to meet for quality of work, quantity of sales, or a number of other metrics that help measure company goals.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Having productivity metrics to measure against can help you stay on track and motivated. For example, if you have a benchmark to write six articles in one week, you can measure your productivity by the total number you complete. If you only write three articles, your weekly productivity measurement is 50%.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">How you’re assigned benchmarks will depend on your company’s goals, or you may have a hand in setting them for yourself. If so, it\'s important to set standards that are realistic and achievable. Otherwise, you might become discouraged when you can’t reach that level of productivity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>3. Short- and Long-Term Goals</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another way to measure productivity is by setting short-term and long-term goals. Short-term goals are those you hope to achieve soon — these are the items on your daily and weekly task lists. Long-term goals are ones you want to accomplish in the long run — they might be your annual goals or your five-year plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In the short term, a goal might be to deliver a completed client project by the end of the week. You can use that due date to measure your productivity by setting daily mini-goals. Check-in on your goals each workday, and if you’re meeting your daily targets, your level of productivity is on track. However, if you\'re not making enough progress, you\'ll know you need to improve your time management and increase productivity if you want to meet the deadline.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Long-term goals are a little more challenging to measure because they often take months or even years. However, you can still use them to gauge your overall productivity. Break them down into smaller goals and follow the same process as short-term goals.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, if your long-term goal is to double your social media impressions in a year, break the desired total number down into monthly targets. As you check your monthly reports, reaching those smaller goals will let you know you\'re on track. As a bonus, this approach allows you to adjust plans as needed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>4. 360-Degree Feedback</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can also use feedback to gauge your current level of productivity. One popular method is 360-degree feedback. Using this approach, multiple sources — e.g., managers, coworkers, team members, clients — offer a well-rounded assessment. A feedback circle is often considered an unbiased and fair method of evaluating employee performance since it doesn\'t depend solely on one opinion.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adapt this to your productivity by collecting feedback from those you work with most. Ask a coworker directly, set up a meeting with your boss, or design a survey template they can fill out at their convenience. The survey method can benefit freelancers, contractors, and others without formal performance review systems. Employees should discuss their options with their employers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you create a survey, a few considerations can help you optimize it for success:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Explain why you need feedback and how you will use it.</li><li>Take precautions to ensure confidentiality.</li><li>Create a survey that is comprehensive but easy to complete.</li><li>Choose the right productivity measures rather than just focusing on labor hours — e.g., meeting deadlines, total output against a relevant project baseline, and other appropriate benchmarks.</li><li>Structure the assessment to discover strengths, not just deficiencies.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The feedback method can be helpful because it gives you an idea of how others perceive your productivity. However, this strategy is less objective than other methods as the feedback could be either positively or negatively biased. If you decide to use the circle of feedback method, be sure to collect feedback from various sources. This will help you get a more well-rounded view of your productivity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>5. Self-Evaluations</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A self-evaluation is exactly what it sounds like — you evaluate your own productivity. To conduct a self-evaluation, start by looking at your current and past short-term and long-term goals. Use any metrics you’ve gathered to conduct an assessment, like a time audit or weekly work plan review. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Note how often you met your goals and how well you met them. If you didn\'t meet a goal, ask yourself why. Was it because you procrastinated? Was the goal unrealistic?&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Also, consider how you felt about your work. Did you enjoy it? Were you proud of the results? If not, why? These questions can help you identify your productivity strengths and areas where you can make changes.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Self-evaluations are helpful, but they can be challenging. It\'s essential to approach them with honesty and an openness to change. Combining several productivity measurement strategies can be beneficial as well. Using numbers and other objective metrics can help ensure you aren\'t too hard on yourself (or too lenient).&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Learn How to Measure Productivity and See Your Focus Rise</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These are just a few productivity measurement strategies that can help you assess your overall productivity. By combining multiple methods, you can get a well-rounded view of your productivity and identify strengths and areas for improvement. Just remember — productivity metrics are much less important than actually putting in the work to increase productivity.</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://rize.io/blog/how-to-measure-productivity\">click here.</a></p>\n<!-- /wp:paragraph -->','Discover How to Measure Productivity Using 5 Simple Strategies','','inherit','closed','closed','','3402-revision-v1','','','2023-09-01 09:29:55','2023-09-01 09:29:55','',3402,'http://smartinsurance.tips/?p=3404',0,'revision','',0),(3405,1,'2023-09-01 09:37:52','2023-09-01 09:37:52','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3406,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-72-1024x536.png\" alt=\"\" class=\"wp-image-3406\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Are you approaching retirement, or are you newly retired? In either case, you may be wondering how you can make the most of this next phase in your life. There are fresh opportunities, new challenges, and vital decisions to make before and during retirement, perhaps even new skills to learn.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The key elements to a successful retirement are both practical and emotional, ranging from an adequate income to your relationships with family and friends. You may want to think carefully about some of these elements:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Good physical and mental health</li><li>An adequate income</li><li>Suitable accommodation</li><li>Family and friends</li><li>Personal relationships</li><li>Activities and interests&nbsp;</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Good physical and mental health</strong>&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://www.agewatch.net/agewatch/assets/images/successful-retire\" alt=\"Phys&amp;ment Activ\" title=\"GoPhy&amp;Men\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Not of all us are lucky enough to enjoy good health as we get older, but there are plenty of things we can do to keep ourselves in good shape and to help cope with ageing, illness or disability. These include eating a healthy diet, such as the Mediterranean diet, and taking up some form of exercise: something you enjoy such as walking, swimming, cycling or dancing. Social activities, such as joining a club, volunteering, or being an active part of the community, can also help to boost your mental wellbeing, especially if you live alone.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are plenty of tips on our website for keeping healthy and for ageing well. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>An adequate income</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://www.agewatch.net/agewatch/assets/images/successf-retire\" alt=\"Good Income\" title=\"SuccessRetire\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">As pension pots are affected by fluctuations in the stock market in response to world events, maintaining an adequate income during retirement has become a significant challenge for many retirees.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With the recent changes to the law on pensions, there are important choices to be made. For instance, should you take money from your pension pot to spend now, or would it be wiser to keep it invested in a pension for later years? This is a crucial choice, so make sure you understand the different options before you make a final decision about how to take your pension. These websites contain a wealth of information and impartial advice:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Pensionwise</strong>, a government service from MoneyHelper, lays out your options clearly. You can also book a free online or phone appointment (0800 138 3944) for personal advice.</li><li><strong>Age UK</strong>’s website also offers valuable guidance on pensions and financial matters, and a pension calculator to help you work out how much money you\'ll need in retirement.</li><li><strong>Age Watch’s</strong> website has an article about staying financially healthy in retirement and details ways in which you can make your income stretch further. </li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Suitable accommodation</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://www.agewatch.net/agewatch/assets/images/successretir\" alt=\"Accommodation\" title=\"Successf Retire\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re thinking of moving house, think about the pros and cons very carefully before you commit yourself. A life of retirement by the seaside or in a picturesque village is a dream for many, but it is easy to underestimate the emotional impact of leaving your home, family and friends, your social network, and your familiarity with your neighbourhood.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your needs in retirement may change, and you may have to think beyond simply moving into a smaller home or moving to a new location. For instance, you should begin to consider how you would manage in later years. Do you think that in the next few years you might need more help and support to live safely and comfortably? It’s best to start thinking about such possibilities&nbsp;<em>before</em>&nbsp;they become urgent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Age UK’s comprehensive guide to housing options, titled <em>Different types of housing to suit you</em>, covers all the issues to consider if you are planning to move house later in life.<a href=\"http://www.housingcare.org/downloads/kbase/3103.pdf\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Family and friends</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://www.agewatch.net/agewatch/assets/images/success-retir\" alt=\"FA&amp;Fr\" title=\"Famil&amp;Friend\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another important point to remember if you’re considering retiring and moving away from your current home, is how will you build a new social circle? A 2021 Swedish study suggests that an increase in social leisure activity is related both to fewer symptoms of depression and to better well-being and mental health in older adults, thus contributing to an easier adjustment to a retired life. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><em>Social activities</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whether we stay where we are or move to a new area, we’re fortunate in the UK to have a wide range of clubs, societies, voluntary organisations and educational opportunities, all of which provide ways of maintaining or developing new interests, while providing many opportunities to make new friends.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><em>Using technology to stay in touch</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In these days of Skype, Facebook, WhatsApp, FaceTime or similar apps, you can stay in touch with family and friends more easily than ever before. These apps are completely free, and have easy-to-follow illustrated guides online. As they are frequently upgraded to offer additional features, be sure to look out for updates that make them more useful and even easier to use.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><em>Learning IT skills</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Age UK has details of computer courses for older beginners, and you may also be able to improve your IT skills at your local library.<a href=\"https://www.ageuk.org.uk/services/in-your-area/it-training/\"><br></a> </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Personal relationships</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://www.agewatch.net/agewatch/assets/images/successful-retire-2\" alt=\"Personal Relation\" title=\"Success Retir\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While the divorce level is generally declining, the over 65s are bucking this trend, and women are leading the way. Over the ten years from 2005–2015, the number of men divorcing over the age of 65 went up by 23%, while for women there was a 38% rise.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Retirement of one or both of you could have a big impact on your relationship with your partner/spouse. Issues and roles may need to be discussed if you’re going to be home together for most of the week. Other family members may have ideas about your retirement that you don’t share, from elderly parents demanding more attention to your offspring anticipating free child-minding while they’re at work. Issues such as these need discussing so that they don’t become problems later on.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Activities and interests</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><img width=\"476\" height=\"267\" src=\"https://www.agewatch.net/agewatch/assets/images/successful-retire-3\" alt=\"Activity &amp;Interest\"></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">‘Use it or lose it’ seems to have a measure of truth in it, both physically and mentally. There\'s some evidence – though it’s not conclusive – that some commercial brain training programmes can help keep the brain active and healthy in later life. Learning a new language, doing crosswords or starting a new hobby are other ways to keep the brain active as you get older.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There’s also good evidence that physically active people 60 years and over have a reduced risk of all-cause mortality and improved cognitive functioning They also experience a better quality of life. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><em>Social activities</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">We’ve noted the importance of social networks after retirement, and many rewarding activities and interests become even more rewarding when done in the company of others. Try searching the Internet for ‘retirement activities’ or ‘clubs and societies’ with the name of your area. Again, Age UK lists many social activities and events for different areas. Just type your postcode into the Age UK website to see what’s on offer locally.  </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><em>Reading groups and writing clubs</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Most libraries and bookshops have reading groups. Ask at your local library for details of reading groups and writers’ clubs. There are courses of all kinds if learning is your bent: some local authorities still offer a range of courses and there may be a branch of the University of the Third Age (U3A) near you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><em>Volunteering</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If practical activities appeal to you, voluntary work is a popular option.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>‘Volunteering Matters’ is an organisation that offers a wide range of opportunities for everyone to use their experience and skills.</li><li>The ‘Do It’ website lists opportunities for volunteering work from animal care to woodworking, and from charity shop assistant to exhibition management. You should be able to find an opportunity that suits you.<strong> </strong></li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Conclusions</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To increase your chances of a successful retirement:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Keep in shape mentally and physically, wherever possible.</li><li>Try to ensure an adequate income and take unbiased money advice when needed.</li><li>Think through the pros and cons of staying where you are or of moving house, including how moving might affect your relationships with family and friends.</li><li>Think through the relationship implications of spending more time at home with a spouse/partner and/or family members if you’re not going out to work.</li><li>Take advantage of the many opportunities to pursue new activities and interests, and think about doing some voluntary work. </li></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://www.agewatch.net/ageing-why-and-how/tips-for-a-successful-reiremen/\">click here.</a></p>\n<!-- /wp:paragraph -->','Tips for a Successful Retirement','','publish','closed','closed','','tips-for-a-successful-retirement','','','2023-09-01 09:37:52','2023-09-01 09:37:52','',0,'http://smartinsurance.tips/?p=3405',0,'post','',0),(3406,1,'2023-09-01 09:31:18','2023-09-01 09:31:18','','My-project-1-72','','inherit','closed','closed','','my-project-1-72','','','2023-09-01 09:31:18','2023-09-01 09:31:18','',3405,'http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-72.png',0,'attachment','image/png',0),(3407,1,'2023-09-01 09:37:52','2023-09-01 09:37:52','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3406,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-72-1024x536.png\" alt=\"\" class=\"wp-image-3406\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Are you approaching retirement, or are you newly retired? In either case, you may be wondering how you can make the most of this next phase in your life. There are fresh opportunities, new challenges, and vital decisions to make before and during retirement, perhaps even new skills to learn.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The key elements to a successful retirement are both practical and emotional, ranging from an adequate income to your relationships with family and friends. You may want to think carefully about some of these elements:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Good physical and mental health</li><li>An adequate income</li><li>Suitable accommodation</li><li>Family and friends</li><li>Personal relationships</li><li>Activities and interests&nbsp;</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Good physical and mental health</strong>&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://www.agewatch.net/agewatch/assets/images/successful-retire\" alt=\"Phys&amp;ment Activ\" title=\"GoPhy&amp;Men\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Not of all us are lucky enough to enjoy good health as we get older, but there are plenty of things we can do to keep ourselves in good shape and to help cope with ageing, illness or disability. These include eating a healthy diet, such as the Mediterranean diet, and taking up some form of exercise: something you enjoy such as walking, swimming, cycling or dancing. Social activities, such as joining a club, volunteering, or being an active part of the community, can also help to boost your mental wellbeing, especially if you live alone.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are plenty of tips on our website for keeping healthy and for ageing well. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>An adequate income</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://www.agewatch.net/agewatch/assets/images/successf-retire\" alt=\"Good Income\" title=\"SuccessRetire\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">As pension pots are affected by fluctuations in the stock market in response to world events, maintaining an adequate income during retirement has become a significant challenge for many retirees.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">With the recent changes to the law on pensions, there are important choices to be made. For instance, should you take money from your pension pot to spend now, or would it be wiser to keep it invested in a pension for later years? This is a crucial choice, so make sure you understand the different options before you make a final decision about how to take your pension. These websites contain a wealth of information and impartial advice:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Pensionwise</strong>, a government service from MoneyHelper, lays out your options clearly. You can also book a free online or phone appointment (0800 138 3944) for personal advice.</li><li><strong>Age UK</strong>’s website also offers valuable guidance on pensions and financial matters, and a pension calculator to help you work out how much money you\'ll need in retirement.</li><li><strong>Age Watch’s</strong> website has an article about staying financially healthy in retirement and details ways in which you can make your income stretch further. </li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Suitable accommodation</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://www.agewatch.net/agewatch/assets/images/successretir\" alt=\"Accommodation\" title=\"Successf Retire\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re thinking of moving house, think about the pros and cons very carefully before you commit yourself. A life of retirement by the seaside or in a picturesque village is a dream for many, but it is easy to underestimate the emotional impact of leaving your home, family and friends, your social network, and your familiarity with your neighbourhood.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your needs in retirement may change, and you may have to think beyond simply moving into a smaller home or moving to a new location. For instance, you should begin to consider how you would manage in later years. Do you think that in the next few years you might need more help and support to live safely and comfortably? It’s best to start thinking about such possibilities&nbsp;<em>before</em>&nbsp;they become urgent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Age UK’s comprehensive guide to housing options, titled <em>Different types of housing to suit you</em>, covers all the issues to consider if you are planning to move house later in life.<a href=\"http://www.housingcare.org/downloads/kbase/3103.pdf\"></a></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Family and friends</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://www.agewatch.net/agewatch/assets/images/success-retir\" alt=\"FA&amp;Fr\" title=\"Famil&amp;Friend\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Another important point to remember if you’re considering retiring and moving away from your current home, is how will you build a new social circle? A 2021 Swedish study suggests that an increase in social leisure activity is related both to fewer symptoms of depression and to better well-being and mental health in older adults, thus contributing to an easier adjustment to a retired life. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><em>Social activities</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whether we stay where we are or move to a new area, we’re fortunate in the UK to have a wide range of clubs, societies, voluntary organisations and educational opportunities, all of which provide ways of maintaining or developing new interests, while providing many opportunities to make new friends.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><em>Using technology to stay in touch</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In these days of Skype, Facebook, WhatsApp, FaceTime or similar apps, you can stay in touch with family and friends more easily than ever before. These apps are completely free, and have easy-to-follow illustrated guides online. As they are frequently upgraded to offer additional features, be sure to look out for updates that make them more useful and even easier to use.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><em>Learning IT skills</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Age UK has details of computer courses for older beginners, and you may also be able to improve your IT skills at your local library.<a href=\"https://www.ageuk.org.uk/services/in-your-area/it-training/\"><br></a> </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Personal relationships</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image -->\n<figure class=\"wp-block-image\"><img src=\"https://www.agewatch.net/agewatch/assets/images/successful-retire-2\" alt=\"Personal Relation\" title=\"Success Retir\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While the divorce level is generally declining, the over 65s are bucking this trend, and women are leading the way. Over the ten years from 2005–2015, the number of men divorcing over the age of 65 went up by 23%, while for women there was a 38% rise.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Retirement of one or both of you could have a big impact on your relationship with your partner/spouse. Issues and roles may need to be discussed if you’re going to be home together for most of the week. Other family members may have ideas about your retirement that you don’t share, from elderly parents demanding more attention to your offspring anticipating free child-minding while they’re at work. Issues such as these need discussing so that they don’t become problems later on.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Activities and interests</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><img width=\"476\" height=\"267\" src=\"https://www.agewatch.net/agewatch/assets/images/successful-retire-3\" alt=\"Activity &amp;Interest\"></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">‘Use it or lose it’ seems to have a measure of truth in it, both physically and mentally. There\'s some evidence – though it’s not conclusive – that some commercial brain training programmes can help keep the brain active and healthy in later life. Learning a new language, doing crosswords or starting a new hobby are other ways to keep the brain active as you get older.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There’s also good evidence that physically active people 60 years and over have a reduced risk of all-cause mortality and improved cognitive functioning They also experience a better quality of life. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><em>Social activities</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">We’ve noted the importance of social networks after retirement, and many rewarding activities and interests become even more rewarding when done in the company of others. Try searching the Internet for ‘retirement activities’ or ‘clubs and societies’ with the name of your area. Again, Age UK lists many social activities and events for different areas. Just type your postcode into the Age UK website to see what’s on offer locally.  </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><em>Reading groups and writing clubs</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Most libraries and bookshops have reading groups. Ask at your local library for details of reading groups and writers’ clubs. There are courses of all kinds if learning is your bent: some local authorities still offer a range of courses and there may be a branch of the University of the Third Age (U3A) near you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><em>Volunteering</em></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If practical activities appeal to you, voluntary work is a popular option.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>‘Volunteering Matters’ is an organisation that offers a wide range of opportunities for everyone to use their experience and skills.</li><li>The ‘Do It’ website lists opportunities for volunteering work from animal care to woodworking, and from charity shop assistant to exhibition management. You should be able to find an opportunity that suits you.<strong> </strong></li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Conclusions</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To increase your chances of a successful retirement:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Keep in shape mentally and physically, wherever possible.</li><li>Try to ensure an adequate income and take unbiased money advice when needed.</li><li>Think through the pros and cons of staying where you are or of moving house, including how moving might affect your relationships with family and friends.</li><li>Think through the relationship implications of spending more time at home with a spouse/partner and/or family members if you’re not going out to work.</li><li>Take advantage of the many opportunities to pursue new activities and interests, and think about doing some voluntary work. </li></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://www.agewatch.net/ageing-why-and-how/tips-for-a-successful-reiremen/\">click here.</a></p>\n<!-- /wp:paragraph -->','Tips for a Successful Retirement','','inherit','closed','closed','','3405-revision-v1','','','2023-09-01 09:37:52','2023-09-01 09:37:52','',3405,'http://smartinsurance.tips/?p=3407',0,'revision','',0);
INSERT INTO `smart_posts` VALUES (3408,1,'2023-09-01 09:53:22','2023-09-01 09:53:22','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">From classic crafting ideas to cozy color schemes, fall foliage and more, this is how to invite warmth, coziness and luxurious layers into your home.</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\":3409,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-73-1024x536.png\" alt=\"\" class=\"wp-image-3409\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While it can be tempting to consider ostentatious fall decor – plenty of pumpkins and various shades of orange – more curated fall decorating ideas will take your space from kitsch to cozy in moments.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Even though many fall decor ideas can be applied to other times of year, there is something remarkably cozy and inviting about new decor additions that counteract the crisp, cold weather outside.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">From outdoor fall decor ideas, to beautiful fall color schemes, we\'ve got fall decorating ideas covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-1-create-a-warming-and-inviting-glow-with-candles\"><strong>1. CREATE A WARMING AND INVITING GLOW WITH CANDLES</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Decorating with the best candles can not only help to make a room feel more warm, inviting and cozy – as well as smell great, they are a wonderfully versatile decorating tool, and can help to add character and style to almost any room in the home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whether you give your home a signature scent and use candles to make your house smell like fall, or decorate with pretty candles and candleholders in stylish shapes and in a palette of pretty fall colors – think deep reds and beautiful burnt oranges – never underestimate the decorating versatility of candles.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-2-uplift-your-home-with-fall-foliage\"><strong>2. UPLIFT YOUR HOME WITH FALL FOLIAGE</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Nothing quite embodies the changing of the seasons like the changes found amongst nature; from the colors of the leaves on the trees to bright summer blooms being replaced by rich fall foliage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Bringing the beauty of the outdoors indoors with the best winter houseplants and fall flowers and foliage can be a quick and easy way to switch up the look of a room and help make it feel more fall-like. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Interior designer, Tess Twiehaus from Tess Interiors states, \'my favorite thing about fall is watching the leaves change. Bring those rich shades of gold and auburn indoors by gathering branches from your very own neighborhood and putting them on display. Bonus points for a branch that\'s extra large and brings a sculptural element to your decor.\'</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In this cozy corner, the Artificial Nandina Leaf Branch from Aflora makes for an eye-catching design feature in the space; uplifting the area with wonderful natural texture and color – and the branches perfectly complement this room\'s color scheme.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whether you opt for fresh fall cuttings, or prefer more enduring artificial blooms, decorating with plants and flowers will always add a stylish finishing touch to a room – as well as enhance our connection to the beauty of the outside world.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-3-consider-your-fall-curb-appeal\"><strong>3. CONSIDER YOUR FALL CURB APPEAL</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your fall wreath ideas need to be given pride of place, which is why they are simply the best for fall front door decor, though we love to see them used above the mantel in a living space or as a table centerpiece in a dining room or kitchen. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Fall color schemes obviously favor natural shades you would see in nature, so why not create cohesion between your fall porch decor and your yard by making a fall wreath from foliage picked from the yard? </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For an eye-catching front door wreath, group the same type of foliage together to create clear sections.&nbsp;Mix dried foliage, grasses or flowers, with sections of fresh greenery like eucalyptus and fresh herbs such as thyme, sage or rosemary.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Restrict your colors to red, brown and faded greens for a true fall feel, but if bright hues are more to your taste, dried foliage comes in a whole host of bright shades which are perfect for a color-filled version.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-4-warm-up-your-living-room-for-fall\"><strong>4. WARM UP YOUR LIVING ROOM FOR FALL</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Fall decor doesn\'t need to be a seasonal touch: you can use favorite fall paint colors to warm up cool rooms quickly and easily. Terracotta decor and brown living room ideas are wonderful for fall. This season sees a return to simple, restrained palettes – and being close to nature has moved from greens of the forest to a soft, neutral palette of fossil tones, raw materials and natural elements, such as stone, textures of cotton and linen with soft earthy browns, warm terracotta and clay putty tones as a contrast. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The nuances of brown and terracotta are often underplayed but one look at this living room fall decor shows how complex and interesting the often overlooked shades can be. Deeper than ochre and earthier than gold, this rich yet understated tone strikes a refined note in the living room. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-5-indulge-in-fall-crafts\"><strong>5. INDULGE IN FALL CRAFTS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There\'s no better time than when the weather is cooler and wetter to indulge in fall craft ideas. While halloween decor ideas will take precedence, with pumpkin carving ideas easily the most popular way to decorate, we love no-carve pumpkin ideas, too, which will allow you to display your pumpkin for the holiday then, just before it starts to soften, repurpose it for the pot. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Picked from the vegetable patch or found in farm shops aplenty, pumpkins, gourds and squashes are a great starting point for creating a seasonal display in the entryway and beyond.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Often associated with Thanksgiving decorating and Halloween celebrations, the humble pumpkin is not just a kitchen staple at this time of year, it is also ideal to display in the home, especially on entrance. Pile them up on a console, sideboard or lone chair for an authentic fall welcome.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-6-max-out-fall-table-decor-for-an-occasion\"><strong>6. MAX OUT FALL TABLE DECOR FOR AN OCCASION</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A celebration at this time of year is the perfect excuse to indulge in fall table decor ideas. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\'I love to use colors that really represent nature at this time of year – terracotta to represent the best trees for fall color and bright blue to represent the crisp, sunny morning sky we often have. It\'s a fabulous contrast,\' says Lucy Searle, Editor in Chief, <em>Homes &amp; Gardens</em>. \'This table setting by designer Birdie Fortescue is a perfect example.\'</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-7-warm-up-hard-floors-with-cozy-rugs\"><strong>7. WARM UP HARD FLOORS WITH COZY RUGS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you can only add one item to your fall decor ideas, an area room rug is an excellent choice.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One of the easiest ways to add color, warmth and texture to your room this fall is to introduce a versatile –&nbsp;and easily changeable –&nbsp;rug. More flexible than a carpet or other form of fixed floorcovering, rugs and runners offer a fantastic way to soften a hard stone, tiled or timber floor, and can also be layered onto soft floors to provide extra interest or to define zones. &nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">And, when it comes to style, it can add a whole layer of personality to any room, even in the kitchen.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">‘Think of your kitchen rug as a piece of art for your floor,\' says Linny Moss, creative director of Knots Rugs. \'More people are being adventurous with their rug choices and seeing them as investment pieces that will match beautifully with your existing interiors.\'</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-8-dress-your-thanksgiving-table-to-perfection\"><strong>8. DRESS YOUR THANKSGIVING TABLE TO PERFECTION</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Fall decor stretch right up to and beyond Thanksgiving, when we start to think about Christmas instead. If you\'re hosting the Thanksgiving feast this year, you likely have a lot on your to-do list, and between carving the turkey and baking the pumpkin (or pecan) pie, setting the table should be high on your priority list.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you are a traditionalist at heart, choose a selection of simple yet timeless Thanksgiving table decorations that you can use every year. A selection of glassware, foliage and candles should be enough to satisfy most of us. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">However, Thanksgiving often calls for plenty of seasonal color –&nbsp;think burnt orange, mustard yellows and a warming taupe palette. If you really want to stay true to tradition, a pinecone fall table centerpiece is a must – and why not throw in a gourd or two.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-9-decorate-a-fall-mantel-to-impress\"><strong>9. DECORATE A FALL MANTEL TO IMPRESS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While we\'re big fan of fall trends, the very best fall decor ideas are inspired by nature. Look to the best plants for fall color and fall flowers for ideas for your fall mantel ideas and wreaths, but don\'t be afraid to choose dried arrangements that can be carefully packed away after the season and reused or even repurposed with the addition of fresh flowers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\'How do I prepare my home for fall?\' asks Rachel Crow, <em>Homes &amp; Gardens</em>\' gardens editor. \'I always look into my yard and see what I can bring indoors to decorate mantels, tables, vases and wreaths. And obviously, as a garden enthusiast, I ensure my fall planter ideas indoors and out are fabulous.\'</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-10-gather-around-an-outdoor-fire-pit\"><strong>10. GATHER AROUND AN OUTDOOR FIRE PIT</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Let the good times roll with outdoor fireplace ideas and backyard fire pit ideas that will keep everyone cozy outside even when the temperature drops.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Setting up an enclosed seating area around a fire pit, log-burning brazier or chiminea is a tried-and-tested way of adding the cozy factor to your fall decor this fall. As well as warmth, the fire will add extra light and can be used for seasonal treats, such as toasting marshmallows or warming mulled wine.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It might seem rather ambitious, but with the heat of an outdoor fire pit, you can start to enjoy your backyard all year round. &nbsp;&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-11-hibernate-at-home-in-a-cozy-living-space\"><strong>11. HIBERNATE AT HOME IN A COZY LIVING SPACE</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Cozy living room ideas are pretty much top of most people\'s lists at the moment – for obvious reasons, when you consider that the most used space in a home is the living space. Fall decor ideas should be functional and, above all, comfortable – particularly if all you crave is a soothing space to unwind in at the end of a busy day.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\'Flexibility is key – eclectic furniture and notable accessories not only make your home more welcoming, they\'re a great way to express your personality,\' says Sam Baldry, head of design at Swoon.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">‘We’re seeing a lot more terracotta, clay and rust colors coming through this fall,’ explains Charlie Marshall, founder of Loaf. \' These tones are ideally suited to a country setting, and can be softened with neutral off-white living room paint ideas as a backdrop.\'</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-12-warm-up-with-hot-shades\"><strong>12. WARM UP WITH HOT SHADES</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In a cool bedroom –&nbsp;or one that you want to feel warm and welcoming – red is a great choice.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\'Red has become enduringly popular lately – and is a very stimulating shade. In this palette, it also represents the moment during exercising when you are at the top of your game,\' according to trend forecasters, TrendBook. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\'This bedroom color idea was inspired by the already evident success of orange. It is the extroverted color for the fall season, and when paired with green – the color of tranquility – it represents the full cycle of the season.\'</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Fall bedding trends needn\'t be overwhelmingly themed, either: \'A cooler accent shade is important in a bedroom,\' says Jo Bailey, <em>Homes &amp; Gardens</em>\' resident style expert. \'I like pale blue or crisp white. Both are relaxing and calming, and allow the room to \"breathe\".\'</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.homesandgardens.com/ideas/fall-decor-ideas\">click here.</a></p>\n<!-- /wp:paragraph -->','Fall Decor Ideas – 12 Ways to Embrace the Season','','publish','closed','closed','','fall-decor-ideas-12-ways-to-embrace-the-season','','','2023-09-01 09:53:22','2023-09-01 09:53:22','',0,'http://smartinsurance.tips/?p=3408',0,'post','',0),(3409,1,'2023-09-01 09:40:01','2023-09-01 09:40:01','','My-project-1-73','','inherit','closed','closed','','my-project-1-73','','','2023-09-01 09:40:01','2023-09-01 09:40:01','',3408,'http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-73.png',0,'attachment','image/png',0),(3410,1,'2023-09-01 09:53:22','2023-09-01 09:53:22','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">From classic crafting ideas to cozy color schemes, fall foliage and more, this is how to invite warmth, coziness and luxurious layers into your home.</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\":3409,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-73-1024x536.png\" alt=\"\" class=\"wp-image-3409\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While it can be tempting to consider ostentatious fall decor – plenty of pumpkins and various shades of orange – more curated fall decorating ideas will take your space from kitsch to cozy in moments.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Even though many fall decor ideas can be applied to other times of year, there is something remarkably cozy and inviting about new decor additions that counteract the crisp, cold weather outside.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">From outdoor fall decor ideas, to beautiful fall color schemes, we\'ve got fall decorating ideas covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-1-create-a-warming-and-inviting-glow-with-candles\"><strong>1. CREATE A WARMING AND INVITING GLOW WITH CANDLES</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Decorating with the best candles can not only help to make a room feel more warm, inviting and cozy – as well as smell great, they are a wonderfully versatile decorating tool, and can help to add character and style to almost any room in the home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whether you give your home a signature scent and use candles to make your house smell like fall, or decorate with pretty candles and candleholders in stylish shapes and in a palette of pretty fall colors – think deep reds and beautiful burnt oranges – never underestimate the decorating versatility of candles.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-2-uplift-your-home-with-fall-foliage\"><strong>2. UPLIFT YOUR HOME WITH FALL FOLIAGE</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Nothing quite embodies the changing of the seasons like the changes found amongst nature; from the colors of the leaves on the trees to bright summer blooms being replaced by rich fall foliage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Bringing the beauty of the outdoors indoors with the best winter houseplants and fall flowers and foliage can be a quick and easy way to switch up the look of a room and help make it feel more fall-like. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Interior designer, Tess Twiehaus from Tess Interiors states, \'my favorite thing about fall is watching the leaves change. Bring those rich shades of gold and auburn indoors by gathering branches from your very own neighborhood and putting them on display. Bonus points for a branch that\'s extra large and brings a sculptural element to your decor.\'</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In this cozy corner, the Artificial Nandina Leaf Branch from Aflora makes for an eye-catching design feature in the space; uplifting the area with wonderful natural texture and color – and the branches perfectly complement this room\'s color scheme.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Whether you opt for fresh fall cuttings, or prefer more enduring artificial blooms, decorating with plants and flowers will always add a stylish finishing touch to a room – as well as enhance our connection to the beauty of the outside world.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-3-consider-your-fall-curb-appeal\"><strong>3. CONSIDER YOUR FALL CURB APPEAL</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your fall wreath ideas need to be given pride of place, which is why they are simply the best for fall front door decor, though we love to see them used above the mantel in a living space or as a table centerpiece in a dining room or kitchen. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Fall color schemes obviously favor natural shades you would see in nature, so why not create cohesion between your fall porch decor and your yard by making a fall wreath from foliage picked from the yard? </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For an eye-catching front door wreath, group the same type of foliage together to create clear sections.&nbsp;Mix dried foliage, grasses or flowers, with sections of fresh greenery like eucalyptus and fresh herbs such as thyme, sage or rosemary.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Restrict your colors to red, brown and faded greens for a true fall feel, but if bright hues are more to your taste, dried foliage comes in a whole host of bright shades which are perfect for a color-filled version.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-4-warm-up-your-living-room-for-fall\"><strong>4. WARM UP YOUR LIVING ROOM FOR FALL</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Fall decor doesn\'t need to be a seasonal touch: you can use favorite fall paint colors to warm up cool rooms quickly and easily. Terracotta decor and brown living room ideas are wonderful for fall. This season sees a return to simple, restrained palettes – and being close to nature has moved from greens of the forest to a soft, neutral palette of fossil tones, raw materials and natural elements, such as stone, textures of cotton and linen with soft earthy browns, warm terracotta and clay putty tones as a contrast. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The nuances of brown and terracotta are often underplayed but one look at this living room fall decor shows how complex and interesting the often overlooked shades can be. Deeper than ochre and earthier than gold, this rich yet understated tone strikes a refined note in the living room. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-5-indulge-in-fall-crafts\"><strong>5. INDULGE IN FALL CRAFTS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There\'s no better time than when the weather is cooler and wetter to indulge in fall craft ideas. While halloween decor ideas will take precedence, with pumpkin carving ideas easily the most popular way to decorate, we love no-carve pumpkin ideas, too, which will allow you to display your pumpkin for the holiday then, just before it starts to soften, repurpose it for the pot. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Picked from the vegetable patch or found in farm shops aplenty, pumpkins, gourds and squashes are a great starting point for creating a seasonal display in the entryway and beyond.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Often associated with Thanksgiving decorating and Halloween celebrations, the humble pumpkin is not just a kitchen staple at this time of year, it is also ideal to display in the home, especially on entrance. Pile them up on a console, sideboard or lone chair for an authentic fall welcome.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-6-max-out-fall-table-decor-for-an-occasion\"><strong>6. MAX OUT FALL TABLE DECOR FOR AN OCCASION</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A celebration at this time of year is the perfect excuse to indulge in fall table decor ideas. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\'I love to use colors that really represent nature at this time of year – terracotta to represent the best trees for fall color and bright blue to represent the crisp, sunny morning sky we often have. It\'s a fabulous contrast,\' says Lucy Searle, Editor in Chief, <em>Homes &amp; Gardens</em>. \'This table setting by designer Birdie Fortescue is a perfect example.\'</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-7-warm-up-hard-floors-with-cozy-rugs\"><strong>7. WARM UP HARD FLOORS WITH COZY RUGS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you can only add one item to your fall decor ideas, an area room rug is an excellent choice.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">One of the easiest ways to add color, warmth and texture to your room this fall is to introduce a versatile –&nbsp;and easily changeable –&nbsp;rug. More flexible than a carpet or other form of fixed floorcovering, rugs and runners offer a fantastic way to soften a hard stone, tiled or timber floor, and can also be layered onto soft floors to provide extra interest or to define zones. &nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">And, when it comes to style, it can add a whole layer of personality to any room, even in the kitchen.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">‘Think of your kitchen rug as a piece of art for your floor,\' says Linny Moss, creative director of Knots Rugs. \'More people are being adventurous with their rug choices and seeing them as investment pieces that will match beautifully with your existing interiors.\'</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-8-dress-your-thanksgiving-table-to-perfection\"><strong>8. DRESS YOUR THANKSGIVING TABLE TO PERFECTION</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Fall decor stretch right up to and beyond Thanksgiving, when we start to think about Christmas instead. If you\'re hosting the Thanksgiving feast this year, you likely have a lot on your to-do list, and between carving the turkey and baking the pumpkin (or pecan) pie, setting the table should be high on your priority list.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you are a traditionalist at heart, choose a selection of simple yet timeless Thanksgiving table decorations that you can use every year. A selection of glassware, foliage and candles should be enough to satisfy most of us. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">However, Thanksgiving often calls for plenty of seasonal color –&nbsp;think burnt orange, mustard yellows and a warming taupe palette. If you really want to stay true to tradition, a pinecone fall table centerpiece is a must – and why not throw in a gourd or two.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-9-decorate-a-fall-mantel-to-impress\"><strong>9. DECORATE A FALL MANTEL TO IMPRESS</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">While we\'re big fan of fall trends, the very best fall decor ideas are inspired by nature. Look to the best plants for fall color and fall flowers for ideas for your fall mantel ideas and wreaths, but don\'t be afraid to choose dried arrangements that can be carefully packed away after the season and reused or even repurposed with the addition of fresh flowers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\'How do I prepare my home for fall?\' asks Rachel Crow, <em>Homes &amp; Gardens</em>\' gardens editor. \'I always look into my yard and see what I can bring indoors to decorate mantels, tables, vases and wreaths. And obviously, as a garden enthusiast, I ensure my fall planter ideas indoors and out are fabulous.\'</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-10-gather-around-an-outdoor-fire-pit\"><strong>10. GATHER AROUND AN OUTDOOR FIRE PIT</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Let the good times roll with outdoor fireplace ideas and backyard fire pit ideas that will keep everyone cozy outside even when the temperature drops.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Setting up an enclosed seating area around a fire pit, log-burning brazier or chiminea is a tried-and-tested way of adding the cozy factor to your fall decor this fall. As well as warmth, the fire will add extra light and can be used for seasonal treats, such as toasting marshmallows or warming mulled wine.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It might seem rather ambitious, but with the heat of an outdoor fire pit, you can start to enjoy your backyard all year round. &nbsp;&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-11-hibernate-at-home-in-a-cozy-living-space\"><strong>11. HIBERNATE AT HOME IN A COZY LIVING SPACE</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Cozy living room ideas are pretty much top of most people\'s lists at the moment – for obvious reasons, when you consider that the most used space in a home is the living space. Fall decor ideas should be functional and, above all, comfortable – particularly if all you crave is a soothing space to unwind in at the end of a busy day.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\'Flexibility is key – eclectic furniture and notable accessories not only make your home more welcoming, they\'re a great way to express your personality,\' says Sam Baldry, head of design at Swoon.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">‘We’re seeing a lot more terracotta, clay and rust colors coming through this fall,’ explains Charlie Marshall, founder of Loaf. \' These tones are ideally suited to a country setting, and can be softened with neutral off-white living room paint ideas as a backdrop.\'</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"section-12-warm-up-with-hot-shades\"><strong>12. WARM UP WITH HOT SHADES</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In a cool bedroom –&nbsp;or one that you want to feel warm and welcoming – red is a great choice.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\'Red has become enduringly popular lately – and is a very stimulating shade. In this palette, it also represents the moment during exercising when you are at the top of your game,\' according to trend forecasters, TrendBook. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">\'This bedroom color idea was inspired by the already evident success of orange. It is the extroverted color for the fall season, and when paired with green – the color of tranquility – it represents the full cycle of the season.\'</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Fall bedding trends needn\'t be overwhelmingly themed, either: \'A cooler accent shade is important in a bedroom,\' says Jo Bailey, <em>Homes &amp; Gardens</em>\' resident style expert. \'I like pale blue or crisp white. Both are relaxing and calming, and allow the room to \"breathe\".\'</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.homesandgardens.com/ideas/fall-decor-ideas\">click here.</a></p>\n<!-- /wp:paragraph -->','Fall Decor Ideas – 12 Ways to Embrace the Season','','inherit','closed','closed','','3408-revision-v1','','','2023-09-01 09:53:22','2023-09-01 09:53:22','',3408,'http://smartinsurance.tips/?p=3410',0,'revision','',0),(3411,1,'2023-09-01 10:59:07','2023-09-01 10:59:07','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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\":3412,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-40-1024x536.png\" alt=\"\" class=\"wp-image-3412\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here\'s information on cyberattacks, and seven tips to protect your small business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What is a cyberattack?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are three common types of cyberattacks.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How to protect your small business from cyberattacks</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">1. Get educated</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The SBA also offers a self-guided online course in cybersecurity basics.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">2. Create a cybersecurity plan</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">An <strong>incident response plan</strong> will have crucial information such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Whom to contact.</li><li>Where data and data backups are stored.</li><li>When to contact law enforcement or the public about a breach.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">3. Be smart about passwords</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">4. Increase your email security</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">5. Use a firewall and antivirus software</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">6. Secure your Wi-Fi network</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">7. Protect your payment processors</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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','','','2023-09-01 10:59:07','2023-09-01 10:59:07','',0,'http://smartinsurance.tips/?p=3411',0,'post','',0),(3412,1,'2023-09-01 09:54:57','2023-09-01 09:54:57','','My-project-1-40','','inherit','closed','closed','','my-project-1-40-2','','','2023-09-01 09:54:57','2023-09-01 09:54:57','',3411,'http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-40.png',0,'attachment','image/png',0),(3413,1,'2023-09-01 10:59:07','2023-09-01 10:59:07','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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\":3412,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-40-1024x536.png\" alt=\"\" class=\"wp-image-3412\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here\'s information on cyberattacks, and seven tips to protect your small business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What is a cyberattack?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are three common types of cyberattacks.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How to protect your small business from cyberattacks</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">1. Get educated</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The SBA also offers a self-guided online course in cybersecurity basics.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">2. Create a cybersecurity plan</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">An <strong>incident response plan</strong> will have crucial information such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Whom to contact.</li><li>Where data and data backups are stored.</li><li>When to contact law enforcement or the public about a breach.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">3. Be smart about passwords</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">4. Increase your email security</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">5. Use a firewall and antivirus software</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">6. Secure your Wi-Fi network</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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 {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">7. Protect your payment processors</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">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','','3411-revision-v1','','','2023-09-01 10:59:07','2023-09-01 10:59:07','',3411,'http://smartinsurance.tips/?p=3413',0,'revision','',0),(3414,1,'2023-09-01 11:03:25','2023-09-01 11:03:25','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3415,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-76-1024x536.png\" alt=\"\" class=\"wp-image-3415\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Over recent years, the prevailing theme for many work cultures has been adaptability. Companies are looking for adaptable people, and career hopefuls are looking for flexible and adaptable work environments.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adaptability is essential but not enough to cultivate leadership growth or guarantee organizational success.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When we talk about strong leaders, we imagine someone who embodies the qualities that people find trustworthy and genuine as well as someone who is skilled at managing other people. One skill that doesn’t come as quickly to the forefront of our minds is the ability of leaders to manage themselves.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re a leader, how skilled are you at managing yourself and your mindset? How does self-leadership inform your current leadership strategy?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Understanding Self-Leadership</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Self-leadership, the practice of leading oneself, is more complex than the concept might imply. Whereas adaptability is necessary for survival, self-leaders continue thriving on the other side.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In other words, self-leaders can bounce back from a bad situation without bringing any negativity with them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your company is no longer in a period of day-to-day survival, then it’s time for a temperature check. Is your organization’s vision to prepare leaders for adaptability or long-term growth?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The truth is self-leaders are already adaptable leaders because they can see the bigger picture better, even during immediate challenges. Here are 3 crucial self-leadership traits that every management team should embody:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ol class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Invests in upskilling both tactical and interpersonal skills</strong>. What tools does your organization provide to help improve the growth of your employees’, including their emotional intelligence? There are numerous cost-effective ways for leaders to enhance how they show up for others and themselves. Even simply carving out dedicated time for honest dialogue, even during busy seasons, speaks volumes. Leaders should also invest time and resources into finding tangible resources, like assessments and development training.</li><li><strong>Incorporates self-knowledge into their leadership practices</strong>. Everyone has varying levels of self-awareness. People with a healthy amount of self-awareness can evaluate their own behaviors in relation to others and adjust their behaviors and attitudes accordingly. This involves consistent introspection, which can be uncomfortable but is necessary for leaders to develop a strategy that gets everyone on the same page.</li><li><strong>Effectively manages their own mindset by self-coaching</strong>. Effective leaders look to cause the least harm in every situation. When leaders are struggling to overcome their own challenges, it’s because they aren’t doing enough self-coaching through the process—especially as they might with a colleague or employee. Sometimes, it can be as simple as gently guiding yourself through a confusing dilemma and learning how to reframe your mindset first before attempting to coach others.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Developing Self-Leadership Strategies Starts with Mindset</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For several reasons, today’s corporate leadership struggles to model strategic planning around self-leadership. Economic instability is an immediate roadblock for any executive hoping to invest in leadership training. And even strong leaders sometimes lack confidence in their own decision-making skills.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Traditionally, the idea of leadership hinges upon a top-down model of one person in charge of another. Managers are naturally conditioned to view their position similarly within the same hierarchy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Developing a self-leadership strategy begins with adjusting your mindset. Ask yourself the following questions to evaluate the current state of your leadership mentality, and answer them in your own words:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>What actions and outcomes am I most responsible for in my team?</strong>&nbsp;If the buck stops with you, what hesitations or uncertainties crop up for you?</li><li><strong>Where do I need support?&nbsp;</strong>Be specific when defining what help you need and from whom. What are the steps you need to take to access support?</li><li><strong>How much of the past informs my current decisions?&nbsp;</strong>What negative thought patterns are you inadvertently bringing to your day-to-day?</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Once you’ve recognized and acknowledged your leadership mindset, you can challenge and reframe self-limiting beliefs or negative-thought patterns that impede your performance as a self-leader. How can you reframe a mental obstacle so that you can learn from past experiences and make them contribute positively to your decision-making?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>The Framework for Developing Self-Leadership Strategies</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Assessment:&nbsp;</strong>Encourage leaders, managers, and employees to engage in self-assessments in order to evaluate strengths, weaknesses, and areas needing more work. The goal is for everyone to understand their leadership style and to be aware of the value they bring to the company.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Vision:&nbsp;</strong>Promote self-leadership by defining your leadership vision. This involves identifying your values, goals, and the type of self-leader you aspire to be. Seek to find ways in which your personal goals and values align with your professional goals and values.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Organizational Needs:&nbsp;</strong>Self-leaders not only understand the organizational needs, but they align their own goals and skills with that vision. Identify how you contribute to the company’s strategic vision and what steps you can take to help foster the big-picture.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Leadership Competencies:&nbsp;</strong>Based on organizational needs, define the core competencies that a leader within that organization should possess to be successful. Self-leadership involves knowing your competitive advantages and knowing how to leverage them so that you can contribute more intentionally to the mission. Evaluate yourself against the identified competencies and skill gaps, creating personalized development plans for each.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Self-Leadership Development:&nbsp;</strong>Remember that self-leadership promotes tactical or technical skills and interpersonal skills. Provide training and development programs like workshops, mentorships, and other continuous learning opportunities not only for yourself but also your team.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Self-Leadership Culture:&nbsp;</strong>Create and maintain a work culture that values self-leadership, and not just with your leaders. Make sure your work environment is one of trust and collaboration. Employees, even those without leadership titles, should feel empowered to be self-leaders; companies should be prepared to recognize and reward self-leadership behaviors that align with the overall mission.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Lead by Example:&nbsp;</strong>More importantly, a self-leadership culture is one in which authority leads by example: executives should model what they expect from management teams, and managers should model what they expect from their employees.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In the end, leaders who practice self-leadership are more likely to have increased self-awareness, are more intentional, and are able to reframe their mindset towards seeing the opportunities or lessons from situations or mistakes. This is a skill that is not bestowed upon a professional in tandem with a promotion. Developing self-leadership is an ongoing growth opportunity that will allow leaders of all stages in their careers to become more strategic, drive better results, and be more capable of leading others, while being in alignment with themselves, their teams, and their organizations.</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.forbes.com/sites/karadennison/2023/06/13/think-like-a-self-leader-developing-self-leadership-strategies-to-cultivate-long-term-growth/?sh=634701ec4248\">click here.</a></p>\n<!-- /wp:paragraph -->','Think Like A Self-Leader: Developing Self-Leadership Strategies To Cultivate Long Term Growth','','publish','closed','closed','','think-like-a-self-leader-developing-self-leadership-strategies-to-cultivate-long-term-growth','','','2023-09-01 11:03:25','2023-09-01 11:03:25','',0,'http://smartinsurance.tips/?p=3414',0,'post','',0),(3415,1,'2023-09-01 11:00:21','2023-09-01 11:00:21','','My-project-1-76','','inherit','closed','closed','','my-project-1-76-2','','','2023-09-01 11:00:21','2023-09-01 11:00:21','',3414,'http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-76.png',0,'attachment','image/png',0),(3416,1,'2023-09-01 11:03:25','2023-09-01 11:03:25','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3415,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-76-1024x536.png\" alt=\"\" class=\"wp-image-3415\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Over recent years, the prevailing theme for many work cultures has been adaptability. Companies are looking for adaptable people, and career hopefuls are looking for flexible and adaptable work environments.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Adaptability is essential but not enough to cultivate leadership growth or guarantee organizational success.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When we talk about strong leaders, we imagine someone who embodies the qualities that people find trustworthy and genuine as well as someone who is skilled at managing other people. One skill that doesn’t come as quickly to the forefront of our minds is the ability of leaders to manage themselves.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re a leader, how skilled are you at managing yourself and your mindset? How does self-leadership inform your current leadership strategy?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Understanding Self-Leadership</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Self-leadership, the practice of leading oneself, is more complex than the concept might imply. Whereas adaptability is necessary for survival, self-leaders continue thriving on the other side.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In other words, self-leaders can bounce back from a bad situation without bringing any negativity with them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If your company is no longer in a period of day-to-day survival, then it’s time for a temperature check. Is your organization’s vision to prepare leaders for adaptability or long-term growth?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The truth is self-leaders are already adaptable leaders because they can see the bigger picture better, even during immediate challenges. Here are 3 crucial self-leadership traits that every management team should embody:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ol class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Invests in upskilling both tactical and interpersonal skills</strong>. What tools does your organization provide to help improve the growth of your employees’, including their emotional intelligence? There are numerous cost-effective ways for leaders to enhance how they show up for others and themselves. Even simply carving out dedicated time for honest dialogue, even during busy seasons, speaks volumes. Leaders should also invest time and resources into finding tangible resources, like assessments and development training.</li><li><strong>Incorporates self-knowledge into their leadership practices</strong>. Everyone has varying levels of self-awareness. People with a healthy amount of self-awareness can evaluate their own behaviors in relation to others and adjust their behaviors and attitudes accordingly. This involves consistent introspection, which can be uncomfortable but is necessary for leaders to develop a strategy that gets everyone on the same page.</li><li><strong>Effectively manages their own mindset by self-coaching</strong>. Effective leaders look to cause the least harm in every situation. When leaders are struggling to overcome their own challenges, it’s because they aren’t doing enough self-coaching through the process—especially as they might with a colleague or employee. Sometimes, it can be as simple as gently guiding yourself through a confusing dilemma and learning how to reframe your mindset first before attempting to coach others.</li></ol>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>Developing Self-Leadership Strategies Starts with Mindset</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For several reasons, today’s corporate leadership struggles to model strategic planning around self-leadership. Economic instability is an immediate roadblock for any executive hoping to invest in leadership training. And even strong leaders sometimes lack confidence in their own decision-making skills.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Traditionally, the idea of leadership hinges upon a top-down model of one person in charge of another. Managers are naturally conditioned to view their position similarly within the same hierarchy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Developing a self-leadership strategy begins with adjusting your mindset. Ask yourself the following questions to evaluate the current state of your leadership mentality, and answer them in your own words:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li><strong>What actions and outcomes am I most responsible for in my team?</strong>&nbsp;If the buck stops with you, what hesitations or uncertainties crop up for you?</li><li><strong>Where do I need support?&nbsp;</strong>Be specific when defining what help you need and from whom. What are the steps you need to take to access support?</li><li><strong>How much of the past informs my current decisions?&nbsp;</strong>What negative thought patterns are you inadvertently bringing to your day-to-day?</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Once you’ve recognized and acknowledged your leadership mindset, you can challenge and reframe self-limiting beliefs or negative-thought patterns that impede your performance as a self-leader. How can you reframe a mental obstacle so that you can learn from past experiences and make them contribute positively to your decision-making?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>The Framework for Developing Self-Leadership Strategies</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Assessment:&nbsp;</strong>Encourage leaders, managers, and employees to engage in self-assessments in order to evaluate strengths, weaknesses, and areas needing more work. The goal is for everyone to understand their leadership style and to be aware of the value they bring to the company.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Vision:&nbsp;</strong>Promote self-leadership by defining your leadership vision. This involves identifying your values, goals, and the type of self-leader you aspire to be. Seek to find ways in which your personal goals and values align with your professional goals and values.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Organizational Needs:&nbsp;</strong>Self-leaders not only understand the organizational needs, but they align their own goals and skills with that vision. Identify how you contribute to the company’s strategic vision and what steps you can take to help foster the big-picture.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Leadership Competencies:&nbsp;</strong>Based on organizational needs, define the core competencies that a leader within that organization should possess to be successful. Self-leadership involves knowing your competitive advantages and knowing how to leverage them so that you can contribute more intentionally to the mission. Evaluate yourself against the identified competencies and skill gaps, creating personalized development plans for each.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Self-Leadership Development:&nbsp;</strong>Remember that self-leadership promotes tactical or technical skills and interpersonal skills. Provide training and development programs like workshops, mentorships, and other continuous learning opportunities not only for yourself but also your team.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Self-Leadership Culture:&nbsp;</strong>Create and maintain a work culture that values self-leadership, and not just with your leaders. Make sure your work environment is one of trust and collaboration. Employees, even those without leadership titles, should feel empowered to be self-leaders; companies should be prepared to recognize and reward self-leadership behaviors that align with the overall mission.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Lead by Example:&nbsp;</strong>More importantly, a self-leadership culture is one in which authority leads by example: executives should model what they expect from management teams, and managers should model what they expect from their employees.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">In the end, leaders who practice self-leadership are more likely to have increased self-awareness, are more intentional, and are able to reframe their mindset towards seeing the opportunities or lessons from situations or mistakes. This is a skill that is not bestowed upon a professional in tandem with a promotion. Developing self-leadership is an ongoing growth opportunity that will allow leaders of all stages in their careers to become more strategic, drive better results, and be more capable of leading others, while being in alignment with themselves, their teams, and their organizations.</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.forbes.com/sites/karadennison/2023/06/13/think-like-a-self-leader-developing-self-leadership-strategies-to-cultivate-long-term-growth/?sh=634701ec4248\">click here.</a></p>\n<!-- /wp:paragraph -->','Think Like A Self-Leader: Developing Self-Leadership Strategies To Cultivate Long Term Growth','','inherit','closed','closed','','3414-revision-v1','','','2023-09-01 11:03:25','2023-09-01 11:03:25','',3414,'http://smartinsurance.tips/?p=3416',0,'revision','',0),(3417,1,'2023-09-01 11:06:31','2023-09-01 11:06:31','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Autumn is a time of change, and while there are lots of things to look forward to, such as spicy coffee and healthy food, there is also a high chance of catching the flu or a virus that can make life a bit miserable for a time. Protect your health and enjoy the season using the tips below. </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\":3419,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-77-1024x536.png\" alt=\"\" class=\"wp-image-3419\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">QUALITY SLEEP&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If there’s one thing we’ve become familiar with over the past few years, it’s the impact of viruses on our everyday lives. Despite having plenty of antidotes to colds and flu, we still know relatively little about where they come from, but they tend to appear more in colder seasons like autumn.&nbsp;&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you want to protect your health and wellbeing this autumn, make sure you get quality sleep every night. This means completing your natural sleep cycle, which is about eight hours for an average adult. Quality sleep supports the immune system and prevents seasonal illnesses.&nbsp;&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">SIMPLE LIVING&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">At the start of the year, people have grand ambitions to achieve excellent health and wellbeing; by the autumn, we should have an idea of how successful we have been with our efforts. There’s nothing wrong with rebooting your motivations, but there’s a lot to be said for more simple living. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">As the weather becomes colder and the days become shorter, there is more chance of catching an illness or being involved in a road accident. If you have knocked off your bicycle on the street at this time of year, contact a personal injury lawyer and seek the compensation you deserve.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">PHYSICAL HEALTH</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It’s a good idea to keep things simple in autumn and focus on your wellness, but that doesn’t mean you should abandon your physical health. If we don’t pay some attention to physical health, our bodies start to become grumpy and cramp up. It can also lead to further illnesses.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The good news is you don’t have to work hard in the gym to maintain good physical health; all you have to do is walk, jog, or use micro workouts a few times a year to remind your muscles of their purpose and raise your heart rate to boost the blood flow to your brain for better wellbeing.&nbsp;&nbsp;&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">VITAMIN D&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Vitamin D is a micronutrient, meaning that it is not produced naturally in the body; instead, it is derived from food sources and the environment. In the case of vitamin D, we need the sun and food sources like oranges to absorb vitamin D for our overall health. For fertility and immunity. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are a few ways to get more vitamin D into your diet; you can eat foods such as beets, oranges, and mushrooms. Another way is to use a food supplement to support your diet. Make sure you take the right amount of vitamin D every day, that is, no more than 100 mg.  And lastly an effective way to deliver vitamins into your system is via IV Therapies. IV treatment in LA is a medical treatment that delivers vitamins, minerals, and other nutrients directly to the bloodstream. This allows the body to receive a higher concentration of nutrients than it would from oral supplements or diet alone. It can also help to reduce the severity of colds and flu, and shorten the duration of illness especially in autumn time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">SEASONAL FOOD&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Autumn is an excellent time for seasonal food. It’s the end of the summer, and many of the seasonal vegetables are ripe and ready to eat. Look out for pumpkins, beets, leafy greens, mushrooms, and more in the supermarket, and enjoy making soups and stews in your home. </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.thebraggingmommy.com/tips-to-stay-healthy-during-autumn/\">click here.</a></p>\n<!-- /wp:paragraph -->','Tips to Stay Healthy During Autumn','','publish','closed','closed','','tips-to-stay-healthy-during-autumn','','','2023-09-01 11:06:31','2023-09-01 11:06:31','',0,'http://smartinsurance.tips/?p=3417',0,'post','',0),(3418,1,'2023-09-01 11:04:24','2023-09-01 11:04:24','','Untitled','','inherit','closed','closed','','untitled','','','2023-09-01 11:04:24','2023-09-01 11:04:24','',3417,'http://smartinsurance.tips/wp-content/uploads/2023/09/Untitled.png',0,'attachment','image/png',0),(3419,1,'2023-09-01 11:04:32','2023-09-01 11:04:32','','My-project-1-77','','inherit','closed','closed','','my-project-1-77','','','2023-09-01 11:04:32','2023-09-01 11:04:32','',3417,'http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-77.png',0,'attachment','image/png',0),(3420,1,'2023-09-01 11:06:31','2023-09-01 11:06:31','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Autumn is a time of change, and while there are lots of things to look forward to, such as spicy coffee and healthy food, there is also a high chance of catching the flu or a virus that can make life a bit miserable for a time. Protect your health and enjoy the season using the tips below. </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\":3419,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-77-1024x536.png\" alt=\"\" class=\"wp-image-3419\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">QUALITY SLEEP&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If there’s one thing we’ve become familiar with over the past few years, it’s the impact of viruses on our everyday lives. Despite having plenty of antidotes to colds and flu, we still know relatively little about where they come from, but they tend to appear more in colder seasons like autumn.&nbsp;&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you want to protect your health and wellbeing this autumn, make sure you get quality sleep every night. This means completing your natural sleep cycle, which is about eight hours for an average adult. Quality sleep supports the immune system and prevents seasonal illnesses.&nbsp;&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">SIMPLE LIVING&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">At the start of the year, people have grand ambitions to achieve excellent health and wellbeing; by the autumn, we should have an idea of how successful we have been with our efforts. There’s nothing wrong with rebooting your motivations, but there’s a lot to be said for more simple living. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">As the weather becomes colder and the days become shorter, there is more chance of catching an illness or being involved in a road accident. If you have knocked off your bicycle on the street at this time of year, contact a personal injury lawyer and seek the compensation you deserve.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">PHYSICAL HEALTH</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It’s a good idea to keep things simple in autumn and focus on your wellness, but that doesn’t mean you should abandon your physical health. If we don’t pay some attention to physical health, our bodies start to become grumpy and cramp up. It can also lead to further illnesses.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The good news is you don’t have to work hard in the gym to maintain good physical health; all you have to do is walk, jog, or use micro workouts a few times a year to remind your muscles of their purpose and raise your heart rate to boost the blood flow to your brain for better wellbeing.&nbsp;&nbsp;&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">VITAMIN D&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Vitamin D is a micronutrient, meaning that it is not produced naturally in the body; instead, it is derived from food sources and the environment. In the case of vitamin D, we need the sun and food sources like oranges to absorb vitamin D for our overall health. For fertility and immunity. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are a few ways to get more vitamin D into your diet; you can eat foods such as beets, oranges, and mushrooms. Another way is to use a food supplement to support your diet. Make sure you take the right amount of vitamin D every day, that is, no more than 100 mg.  And lastly an effective way to deliver vitamins into your system is via IV Therapies. IV treatment in LA is a medical treatment that delivers vitamins, minerals, and other nutrients directly to the bloodstream. This allows the body to receive a higher concentration of nutrients than it would from oral supplements or diet alone. It can also help to reduce the severity of colds and flu, and shorten the duration of illness especially in autumn time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">SEASONAL FOOD&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Autumn is an excellent time for seasonal food. It’s the end of the summer, and many of the seasonal vegetables are ripe and ready to eat. Look out for pumpkins, beets, leafy greens, mushrooms, and more in the supermarket, and enjoy making soups and stews in your home. </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.thebraggingmommy.com/tips-to-stay-healthy-during-autumn/\">click here.</a></p>\n<!-- /wp:paragraph -->','Tips to Stay Healthy During Autumn','','inherit','closed','closed','','3417-revision-v1','','','2023-09-01 11:06:31','2023-09-01 11:06:31','',3417,'http://smartinsurance.tips/?p=3420',0,'revision','',0),(3421,1,'2023-09-01 11:47:46','2023-09-01 11:47:46','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">ID theft is when someone illegally poses as you, usually to get money. Know these warning signs and prevention 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\":3422,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-75-1024x536.png\" alt=\"\" class=\"wp-image-3422\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Identity theft is when someone uses your personal data — your name, Social Security number, birthdate, etc. — to impersonate you, typically using that information to steal from you. The Federal Trade Commission received 1.43 million complaints of identity theft from consumers in 2021.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here’s what you need to know to reduce chances you’ll be a target, spot warning signs and take quick action to minimize damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>What is identity theft?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Identity theft happens when someone uses your sensitive data to pose as you or steal from you. Identity thieves may drain your bank and investment accounts, open new credit lines, get utility service, steal your tax refund, use your insurance information to get medical treatments, or give police your name and address when they are arrested.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Frequent data breaches mean your information may already be exposed. In this new reality, it’s smart to take steps to prevent malicious actors from using your personal information and ruining your financial life.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">7 types of identity theft and the warning signs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Once a criminal has your info, here are common ways it may be exploited:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">1. Credit identity theft</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Credit identity theft happens when a criminal uses your personal information, such as birthdate and Social Security number, to apply for a new credit line.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Warning signs:</strong> You might see an unexpected change in your credit scores or an account you don’t recognize on your credit reports. You may get debt collection notices or a court judgment against you. The best way to prevent it is to freeze your credit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">2. Child identity theft</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Criminals steal a child’s identity and apply for credit in that child’s name. Often it is not discovered until the victim applies for college loans or other credit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Warning signs:</strong> If your child is getting offers of credit cards or phone calls about late payments or debt collections, investigate. You can freeze your child\'s credit to prevent it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">3. Synthetic identity theft</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Synthetic identity theft is when criminals use a patchwork of identity details to construct a fictitious consumer, using a Social Security number — often one of a minor child or one that is simply made up — that is not yet in the credit bureaus’ database and combining it with a name and address. They then apply for loans and credit cards, often making payments for years as the credit limits grow. Then comes a \"bust out,\" when cards are maxed out and the criminals disappear.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Warning signs:</strong> If you try to freeze your child’s credit and discover their Social Security number is already in use. Often it is not discovered until the child is applying for student loans. It is not always preventable, because sometimes criminals make up and use a Social Security number even before it\'s assigned.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">4. Taxpayer identity theft</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sometimes fraudsters use a Social Security number to file a tax return and steal your tax refund or tax credit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Warning signs:</strong> You may be unable to e-file because someone else has already filed under that Social Security number, you get an IRS notice or letter referencing some activity you knew nothing about or IRS records suggest you worked for an employer that you did not. Filing early can help you beat criminals to filing in your name, and some states offer six-digit identity protection PINs (after a rigorous verification) with additional security.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">5. Medical identity theft</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Using someone else’s identity to get health care services is medical identity theft. It’s particularly dangerous because it can result in medical histories being mixed, giving doctors and hospitals wrong information as they are making health care decisions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Warning signs:</strong> Claims or payments on your insurance explanation of benefits that you do not recognize can suggest that someone is using your health care benefits. If you’ve fallen victim, you’ll need to both report it to your insurance company and inform your health care team to be sure information in your health care records is actually yours.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">6. Account takeover</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Criminals use personal data to access your financial accounts, then change passwords or addresses so that you no longer have access.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Warning signs:</strong> An email, letter or text from your financial institution that refers to an action (like a password or email change) or transaction you don\'t recognize.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">7. Criminal identity theft</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Criminal identity theft occurs when someone gives law authorities someone else’s name and address during an arrest or investigation. This is often done with false identification, such as a fake driver’s license.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Warning signs:</strong> You may be detained by a police officer for reasons that are unclear to you, or be denied employment or a promotion because of something found in a background check.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">11 ways to prevent identity theft</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You’re unlikely to find a fail-safe way to prevent identity theft, and monitoring services only let you know after something has gone wrong. But there are 11 things you can do to make it much harder for identity thieves.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">1. Freeze your credit</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Freezing your credit with all three major credit bureaus — Equifax, Experian and TransUnion — restricts access to your records so new credit files cannot be opened. It’s free to freeze your credit and unfreeze when you want to open an account, and it provides the best protection against an identity thief using your data to open a new account.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">2. Safeguard your Social Security number</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your Social Security number is the master key to your personal data. Guard it as best you can. When you are asked for your number, ask why it is needed and how it will be protected. Don’t carry your card with you. Securely store or shred paperwork containing your Social Security number.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">3. Be alert to phishing and spoofing</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Scammers can make phone calls appear to come from government entities or businesses, and emails that appear to be legitimate may be attempts to steal your information. Initiate a callback or return email yourself, working from a known entity such as the official website, rather than responding to a call or email. And be wary of attachments — many contain malware.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">4. Use strong passwords and add an authentication step</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Use a password manager to create and store complex, unique passwords for your accounts. Don’t reuse passwords. Adding an authenticator app can reduce your risk. Don’t rely on security questions to keep your accounts safe; your mother’s maiden name and your pet’s name aren’t hard to find. Think carefully about what you post on social media so you don\'t give away key data or clues about how you answer security questions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">5. Use alerts</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many financial institutions will text or email when transactions are made on your accounts. Sign up so that you know when and where your credit cards are used, when there are withdrawals or deposits to financial accounts and more.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">6. Watch your mailbox</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Stolen mail is one of the easiest paths to a stolen identity. Have your mail held if you’re out of town. Consider a U.S. Postal Service-approved lockable mailbox. You can also sign up for Informed Delivery through the USPS, which gives you a preview of your mail so you can tell if anything is missing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">7. Shred, shred, shred</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Any credit card, bank or investment statements that someone could fish out of your garbage shouldn’t be there in the first place. Shred junk mail, too, especially preapproved offers of credit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">8. Use a digital wallet</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re paying online or in a store, use a digital wallet, an app containing secure, digital versions of credit and debit cards. You can use it to shop online or at a compatible checkout terminal. Transactions are tokenized and encrypted, which makes them safer. In addition, contactless transactions have fewer health risks.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">9. Protect your mobile devices</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Mobile devices can be a real risk. According to Javelin’s report, only 48% of us routinely lock our mobile devices. Use passwords on your electronic devices. Use a banking app rather than a mobile browser for banking.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">10. Check your credit reports regularly</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The three major credit reporting bureaus are giving consumers access to free credit reports weekly through the end of 2023, accessible by using AnnualCreditReport.com. Check to be sure that accounts are being reported properly and watch for signs of fraud, like accounts you don\'t recognize. You can also sign up for a free credit report and score from NerdWallet to receive alerts when there are changes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">11. Monitor financial and medical statements</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Read financial statements. Make sure you recognize every transaction. Know due dates and call to investigate if you do not receive an expected bill. Review “explanation of benefits” statements to make sure you recognize the services provided to guard against health care fraud.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>10 ways identity theft happens</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are some of the ways your personal information can be compromised:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">1. Lost wallet</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When your wallet is lost or stolen, someone else may gain access to all the information in it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Don’t carry your Social Security card or more credit cards than you use regularly, and don’t keep a list of passwords and access codes in your wallet.</li><li>Make photocopies of your credit cards, front and back, and keep them in a secure location so that you can easily call the issuer if a card or your wallet is lost. Some issuers allow you to temporarily “turn off” a lost card; with others, you have to cancel and get a new card issued.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">2. Mailbox theft</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Someone simply takes your mail or forwards your mail to a different address, so that you suddenly stop getting most mail.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Sign up for USPS Informed Delivery. You’ll get an email with images of the items that should be delivered to you so you’ll know if things are missing.</li><li>Choose a secure mailbox and retrieve mail promptly.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">3. Using public Wi-Fi</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Hackers may be able to see what you are doing when you use free public Wi-Fi.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Don’t use public Wi-Fi for shopping, banking or other sensitive transactions.</li><li>If you choose to use public Wi-Fi, use a virtual private network service to create a secure connection.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">4. Data breaches</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Hackers invade databases holding sensitive information, such as in the Equifax credit bureau hack of 2017. Almost everyone has been affected by a data breach.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Assume that your data is already out there and take precautions accordingly.</li><li>Check your credit scores often — unexpected changes can be a clue — and read financial and insurance statements carefully. Monitor your credit reports, especially for new accounts or inquiries resulting from credit applications.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">5. SIM card swap</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This is when someone takes over your phone number. You may stop getting calls and texts, or you may get a notice that your phone has been activated.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Set up a PIN or password on your cellular account.</li><li>Consider using an authentication app for accounts with sensitive financial information.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">6. Phishing or spoofing</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some fraudsters try to get you to disclose personal data, such as credit card numbers, Social Security numbers and banking information, by sending an official-looking email. Spoofing involves doing much the same thing with caller ID, so that the number appears to be that of a trusted company or government agency.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Do not give out personal data in response to an email or call.</li><li>Find contact information from a trusted source, such as your bank website, and use it to verify whether the call or email is legitimate.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">7. Skimming</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Skimming is getting credit card information, often from a small device, when a credit card is used at a brick-and-mortar location such as a gas pump or ATM.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Use cards with chips, which have added protections.</li><li>Pay inside at the gas station if you can, because skimming devices are more likely to be placed at unmonitored payment sites.</li><li>Detect fraudulent activity early by setting email or text alerts that let you know when your credit cards are used. If a card is used without your authorization, call the issuer immediately.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">8. Phone scams</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You may be told you have won something or even that you are in danger of being arrested. The caller claims to need personal, banking or credit information to verify your identity or to know where to send you money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Don’t give personal information out over the phone.</li><li>Be aware of common phone scams. The IRS, for example, does not initiate contact with taxpayers by phone (or email or social media) to request personal or financial information, nor does it call with threats of arrest or lawsuits.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">9. Looking over your shoulder</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Fraudsters can learn a password just by watching your fingers as you key it in. The information on your credit card can be photographed with a smartphone while you shop online in a public place. A business might leave sensitive information where people can see it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Be aware of your surroundings.</li><li>Don’t leave cards where they can be seen.</li><li>Cover your hand when you key in passwords or codes.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">10. Malware</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Opening an email attachment or visiting an infected website can install malicious software on your computer, such as a keylogger. That does what it sounds like — logs every keystroke, giving criminals access to passwords, account numbers and more.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Be cautious about clicking on attachments or links in emails and about the websites you visit.</li><li>Use a password manager, which lets you avoid keying in login credentials.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>How to report identity theft</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Identitytheft.gov is a one-stop shop for information and reporting identity theft. Start with that site, which is run by the Federal Trade Commission, and follow its recommended steps to make a recovery plan. You may also need to contact your police department, the Postal Service and the credit bureaus. The IRS has a phone line for identity theft, at 800-908-4490, and a taxpayer guide to identity theft on its website.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can also go directly to your credit card issuer if your credit card was lost, stolen or used without your knowledge. If it appears someone else used your health benefit, contact your health insurer and consider contacting any involved providers to make sure someone else’s health history is not mixed with yours.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What happens when you report identity theft?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Reporting identity theft starts an investigation and the process of restoring your good name. The exact steps will depend on the type of identity theft.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Credit card issuers generally replace the cards with new ones with a different number, and you are back in business. Taxpayer identity theft or theft of benefits typically are resolved more slowly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">No matter which type of identity theft you experience, keep extensive notes about phone conversations and retain related emails.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What is the best identity theft protection service?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Identity theft protection services let you know that your identifying information has been used, or that it is at risk because it was exposed in a data breach. If you are a victim of identity theft, they may also guide you — and reimburse you for costs — through the process of cleaning up the mess and restoring your identity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re already doing all you can do to protect your identity or feel you don\'t have time to do it, you may want to consider an identity theft protection service. Protections vary, and most offer additional ways to protect your privacy and other services. The best choice among the paid services is one that fits your budget and offers you the coverage you care about.</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/finance/how-to-prevent-identity-theft\">click here.</a></p>\n<!-- /wp:paragraph -->','Identity Theft: What It Is, How to Prevent It, Warning Signs and Tips','','publish','closed','closed','','identity-theft-what-it-is-how-to-prevent-it-warning-signs-and-tips','','','2023-09-01 11:47:46','2023-09-01 11:47:46','',0,'http://smartinsurance.tips/?p=3421',0,'post','',0),(3422,1,'2023-09-01 11:07:52','2023-09-01 11:07:52','','My-project-1-75','','inherit','closed','closed','','my-project-1-75-2','','','2023-09-01 11:07:52','2023-09-01 11:07:52','',3421,'http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-75.png',0,'attachment','image/png',0),(3423,1,'2023-09-01 11:47:46','2023-09-01 11:47:46','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">ID theft is when someone illegally poses as you, usually to get money. Know these warning signs and prevention 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\":3422,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-75-1024x536.png\" alt=\"\" class=\"wp-image-3422\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Identity theft is when someone uses your personal data — your name, Social Security number, birthdate, etc. — to impersonate you, typically using that information to steal from you. The Federal Trade Commission received 1.43 million complaints of identity theft from consumers in 2021.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here’s what you need to know to reduce chances you’ll be a target, spot warning signs and take quick action to minimize damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>What is identity theft?</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Identity theft happens when someone uses your sensitive data to pose as you or steal from you. Identity thieves may drain your bank and investment accounts, open new credit lines, get utility service, steal your tax refund, use your insurance information to get medical treatments, or give police your name and address when they are arrested.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Frequent data breaches mean your information may already be exposed. In this new reality, it’s smart to take steps to prevent malicious actors from using your personal information and ruining your financial life.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">7 types of identity theft and the warning signs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Once a criminal has your info, here are common ways it may be exploited:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">1. Credit identity theft</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Credit identity theft happens when a criminal uses your personal information, such as birthdate and Social Security number, to apply for a new credit line.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Warning signs:</strong> You might see an unexpected change in your credit scores or an account you don’t recognize on your credit reports. You may get debt collection notices or a court judgment against you. The best way to prevent it is to freeze your credit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">2. Child identity theft</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Criminals steal a child’s identity and apply for credit in that child’s name. Often it is not discovered until the victim applies for college loans or other credit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Warning signs:</strong> If your child is getting offers of credit cards or phone calls about late payments or debt collections, investigate. You can freeze your child\'s credit to prevent it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">3. Synthetic identity theft</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Synthetic identity theft is when criminals use a patchwork of identity details to construct a fictitious consumer, using a Social Security number — often one of a minor child or one that is simply made up — that is not yet in the credit bureaus’ database and combining it with a name and address. They then apply for loans and credit cards, often making payments for years as the credit limits grow. Then comes a \"bust out,\" when cards are maxed out and the criminals disappear.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Warning signs:</strong> If you try to freeze your child’s credit and discover their Social Security number is already in use. Often it is not discovered until the child is applying for student loans. It is not always preventable, because sometimes criminals make up and use a Social Security number even before it\'s assigned.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">4. Taxpayer identity theft</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Sometimes fraudsters use a Social Security number to file a tax return and steal your tax refund or tax credit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Warning signs:</strong> You may be unable to e-file because someone else has already filed under that Social Security number, you get an IRS notice or letter referencing some activity you knew nothing about or IRS records suggest you worked for an employer that you did not. Filing early can help you beat criminals to filing in your name, and some states offer six-digit identity protection PINs (after a rigorous verification) with additional security.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">5. Medical identity theft</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Using someone else’s identity to get health care services is medical identity theft. It’s particularly dangerous because it can result in medical histories being mixed, giving doctors and hospitals wrong information as they are making health care decisions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Warning signs:</strong> Claims or payments on your insurance explanation of benefits that you do not recognize can suggest that someone is using your health care benefits. If you’ve fallen victim, you’ll need to both report it to your insurance company and inform your health care team to be sure information in your health care records is actually yours.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">6. Account takeover</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Criminals use personal data to access your financial accounts, then change passwords or addresses so that you no longer have access.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Warning signs:</strong> An email, letter or text from your financial institution that refers to an action (like a password or email change) or transaction you don\'t recognize.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">7. Criminal identity theft</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Criminal identity theft occurs when someone gives law authorities someone else’s name and address during an arrest or investigation. This is often done with false identification, such as a fake driver’s license.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Warning signs:</strong> You may be detained by a police officer for reasons that are unclear to you, or be denied employment or a promotion because of something found in a background check.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">11 ways to prevent identity theft</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You’re unlikely to find a fail-safe way to prevent identity theft, and monitoring services only let you know after something has gone wrong. But there are 11 things you can do to make it much harder for identity thieves.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">1. Freeze your credit</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Freezing your credit with all three major credit bureaus — Equifax, Experian and TransUnion — restricts access to your records so new credit files cannot be opened. It’s free to freeze your credit and unfreeze when you want to open an account, and it provides the best protection against an identity thief using your data to open a new account.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">2. Safeguard your Social Security number</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Your Social Security number is the master key to your personal data. Guard it as best you can. When you are asked for your number, ask why it is needed and how it will be protected. Don’t carry your card with you. Securely store or shred paperwork containing your Social Security number.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">3. Be alert to phishing and spoofing</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Scammers can make phone calls appear to come from government entities or businesses, and emails that appear to be legitimate may be attempts to steal your information. Initiate a callback or return email yourself, working from a known entity such as the official website, rather than responding to a call or email. And be wary of attachments — many contain malware.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">4. Use strong passwords and add an authentication step</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Use a password manager to create and store complex, unique passwords for your accounts. Don’t reuse passwords. Adding an authenticator app can reduce your risk. Don’t rely on security questions to keep your accounts safe; your mother’s maiden name and your pet’s name aren’t hard to find. Think carefully about what you post on social media so you don\'t give away key data or clues about how you answer security questions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">5. Use alerts</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many financial institutions will text or email when transactions are made on your accounts. Sign up so that you know when and where your credit cards are used, when there are withdrawals or deposits to financial accounts and more.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">6. Watch your mailbox</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Stolen mail is one of the easiest paths to a stolen identity. Have your mail held if you’re out of town. Consider a U.S. Postal Service-approved lockable mailbox. You can also sign up for Informed Delivery through the USPS, which gives you a preview of your mail so you can tell if anything is missing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">7. Shred, shred, shred</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Any credit card, bank or investment statements that someone could fish out of your garbage shouldn’t be there in the first place. Shred junk mail, too, especially preapproved offers of credit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">8. Use a digital wallet</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re paying online or in a store, use a digital wallet, an app containing secure, digital versions of credit and debit cards. You can use it to shop online or at a compatible checkout terminal. Transactions are tokenized and encrypted, which makes them safer. In addition, contactless transactions have fewer health risks.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">9. Protect your mobile devices</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Mobile devices can be a real risk. According to Javelin’s report, only 48% of us routinely lock our mobile devices. Use passwords on your electronic devices. Use a banking app rather than a mobile browser for banking.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">10. Check your credit reports regularly</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The three major credit reporting bureaus are giving consumers access to free credit reports weekly through the end of 2023, accessible by using AnnualCreditReport.com. Check to be sure that accounts are being reported properly and watch for signs of fraud, like accounts you don\'t recognize. You can also sign up for a free credit report and score from NerdWallet to receive alerts when there are changes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">11. Monitor financial and medical statements</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Read financial statements. Make sure you recognize every transaction. Know due dates and call to investigate if you do not receive an expected bill. Review “explanation of benefits” statements to make sure you recognize the services provided to guard against health care fraud.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>10 ways identity theft happens</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are some of the ways your personal information can be compromised:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">1. Lost wallet</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">When your wallet is lost or stolen, someone else may gain access to all the information in it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Don’t carry your Social Security card or more credit cards than you use regularly, and don’t keep a list of passwords and access codes in your wallet.</li><li>Make photocopies of your credit cards, front and back, and keep them in a secure location so that you can easily call the issuer if a card or your wallet is lost. Some issuers allow you to temporarily “turn off” a lost card; with others, you have to cancel and get a new card issued.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">2. Mailbox theft</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Someone simply takes your mail or forwards your mail to a different address, so that you suddenly stop getting most mail.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Sign up for USPS Informed Delivery. You’ll get an email with images of the items that should be delivered to you so you’ll know if things are missing.</li><li>Choose a secure mailbox and retrieve mail promptly.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">3. Using public Wi-Fi</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Hackers may be able to see what you are doing when you use free public Wi-Fi.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Don’t use public Wi-Fi for shopping, banking or other sensitive transactions.</li><li>If you choose to use public Wi-Fi, use a virtual private network service to create a secure connection.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">4. Data breaches</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Hackers invade databases holding sensitive information, such as in the Equifax credit bureau hack of 2017. Almost everyone has been affected by a data breach.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Assume that your data is already out there and take precautions accordingly.</li><li>Check your credit scores often — unexpected changes can be a clue — and read financial and insurance statements carefully. Monitor your credit reports, especially for new accounts or inquiries resulting from credit applications.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">5. SIM card swap</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This is when someone takes over your phone number. You may stop getting calls and texts, or you may get a notice that your phone has been activated.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Set up a PIN or password on your cellular account.</li><li>Consider using an authentication app for accounts with sensitive financial information.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">6. Phishing or spoofing</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Some fraudsters try to get you to disclose personal data, such as credit card numbers, Social Security numbers and banking information, by sending an official-looking email. Spoofing involves doing much the same thing with caller ID, so that the number appears to be that of a trusted company or government agency.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Do not give out personal data in response to an email or call.</li><li>Find contact information from a trusted source, such as your bank website, and use it to verify whether the call or email is legitimate.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">7. Skimming</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Skimming is getting credit card information, often from a small device, when a credit card is used at a brick-and-mortar location such as a gas pump or ATM.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Use cards with chips, which have added protections.</li><li>Pay inside at the gas station if you can, because skimming devices are more likely to be placed at unmonitored payment sites.</li><li>Detect fraudulent activity early by setting email or text alerts that let you know when your credit cards are used. If a card is used without your authorization, call the issuer immediately.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">8. Phone scams</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You may be told you have won something or even that you are in danger of being arrested. The caller claims to need personal, banking or credit information to verify your identity or to know where to send you money.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Don’t give personal information out over the phone.</li><li>Be aware of common phone scams. The IRS, for example, does not initiate contact with taxpayers by phone (or email or social media) to request personal or financial information, nor does it call with threats of arrest or lawsuits.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">9. Looking over your shoulder</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Fraudsters can learn a password just by watching your fingers as you key it in. The information on your credit card can be photographed with a smartphone while you shop online in a public place. A business might leave sensitive information where people can see it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Be aware of your surroundings.</li><li>Don’t leave cards where they can be seen.</li><li>Cover your hand when you key in passwords or codes.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\">10. Malware</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Opening an email attachment or visiting an infected website can install malicious software on your computer, such as a keylogger. That does what it sounds like — logs every keystroke, giving criminals access to passwords, account numbers and more.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Be cautious about clicking on attachments or links in emails and about the websites you visit.</li><li>Use a password manager, which lets you avoid keying in login credentials.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\"><strong>How to report identity theft</strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Identitytheft.gov is a one-stop shop for information and reporting identity theft. Start with that site, which is run by the Federal Trade Commission, and follow its recommended steps to make a recovery plan. You may also need to contact your police department, the Postal Service and the credit bureaus. The IRS has a phone line for identity theft, at 800-908-4490, and a taxpayer guide to identity theft on its website.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can also go directly to your credit card issuer if your credit card was lost, stolen or used without your knowledge. If it appears someone else used your health benefit, contact your health insurer and consider contacting any involved providers to make sure someone else’s health history is not mixed with yours.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What happens when you report identity theft?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Reporting identity theft starts an investigation and the process of restoring your good name. The exact steps will depend on the type of identity theft.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Credit card issuers generally replace the cards with new ones with a different number, and you are back in business. Taxpayer identity theft or theft of benefits typically are resolved more slowly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">No matter which type of identity theft you experience, keep extensive notes about phone conversations and retain related emails.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What is the best identity theft protection service?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Identity theft protection services let you know that your identifying information has been used, or that it is at risk because it was exposed in a data breach. If you are a victim of identity theft, they may also guide you — and reimburse you for costs — through the process of cleaning up the mess and restoring your identity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you’re already doing all you can do to protect your identity or feel you don\'t have time to do it, you may want to consider an identity theft protection service. Protections vary, and most offer additional ways to protect your privacy and other services. The best choice among the paid services is one that fits your budget and offers you the coverage you care about.</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/finance/how-to-prevent-identity-theft\">click here.</a></p>\n<!-- /wp:paragraph -->','Identity Theft: What It Is, How to Prevent It, Warning Signs and Tips','','inherit','closed','closed','','3421-revision-v1','','','2023-09-01 11:47:46','2023-09-01 11:47:46','',3421,'http://smartinsurance.tips/?p=3423',0,'revision','',0),(3424,1,'2023-09-01 12:09:26','2023-09-01 12:09:26','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These machines come at a premium price, but they run longer, quieter, and more efficiently than traditional generators.</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\":3425,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-52-1024x536.png\" alt=\"\" class=\"wp-image-3425\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Inverter generators are a type of portable generator, with a twist.<br><br>When the electricity goes out, both inverter generators and traditional portable generators can power your home appliances and electronics, making the difference between a minor disruption in your life and a catastrophe. You set them up the same way, using gasoline as fuel and positioning them at least 20 feet from your home—never indoors—with the exhaust pointing away from your dwelling.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But inverter generators typically are far less noisy than traditional portable generators. If you’ve had to suffer through the din of a running portable generator, you can appreciate the value of that for your sanity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Inverter generators have other distinct advantages—and one notable drawback. So it’s helpful to know how they work, what makes them unique, and why they might be a worthwhile purchase.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Is an Inverter Generator Worth It?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The main drawback of inverter generators is their price. Though prices have been coming down somewhat, these units are still typically pricier than traditional portable generators with a comparable claimed wattage—from a few hundred to a couple of thousand dollars more.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But their benefits—which have to do with how they work—may make up for that negative. Inverter generators electronically throttle the engine up and down to meet demand, instead of running full tilt all the time as traditional generators do. That makes them more efficient.<br><br>\"An inverter generator only ramps up as high as it needs to,\" says Misha Kollontai, the Consumer Reports engineer who oversees our generator testing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">That efficiency means you won’t have to fill up the gas tank as often; that could be useful if fuel is hard to come by after an emergency. Inverter generators also produce lower emissions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">And the&nbsp;noise difference between inverter and traditional portable generators can be significant. “Inverter generators are generally quiet enough not to drown out nearby conversation,” Kollontai says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many inverter models in Consumer Reports’ generator ratings earn very good or even excellent scores for noise. In contrast, none of the traditional portable generators does better than middling, and quite a number score below that.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Are Inverter Generators Safer Than Other Portable Generators?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Carbon monoxide (CO) poisoning is a serious risk with all portable generators that aren’t used properly. Like other portables, inverter generators should only be used outside in an unenclosed area, at least 20 feet from your home, with the exhaust port pointing away from your dwelling.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To further reduce the risk of carbon monoxide poisoning, some new portable generators feature a built-in sensor that triggers an automatic shutoff if CO builds up to dangerous levels in an enclosed space. And some also have engines that emit less CO in the first place. The best generators come with both features.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Inverter generators are not inherently safer than other portable generators. Most of the inverter generators in our ratings have the automatic CO shutoff. But that’s also true of most of the traditional portable generators in our ratings.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can best ensure your household’s safety by choosing a recommended model from CR’s inverter generator ratings. Only portable and inverter generators with the automatic CO shutoff can earn our recommendation, regardless of how well the models perform otherwise. (In 2020, CR expanded its safety tests to distinguish between generators that simply have these safety features and those we’ve found to be demonstrably safer in various scenarios.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Size Inverter Generator Should You Get?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To help you make better sense of your options, we break our inverter generator ratings into four groups:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>1. Large Inverter Generators</strong><br>Most large inverter generators in our ratings weigh from around 150 to around 300 pounds (wheels included). That’s too big to haul along to a tailgate party but big enough to power your house. They generate 5,000 watts of power or more (at 220 volts).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This category of inverter generator can be connected directly to your electrical panel with a safety device called a transfer switch, which CR strongly recommends. That allows the generator to power entire circuits in your home rather than having to plug in individual electronics with extension cords.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>2. Midsized Inverter Generators</strong><br>These weigh 80 pounds or more and might come with wheels. They produce 2,500 to 5,000 watts but don’t allow the recommended option of connecting to an electrical panel with a transfer switch. Instead, you plug appliances or electronics directly into the generator, which can be dangerous if you don’t follow certain safety guidelines.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This size is well suited for users of recreational vehicles. These models put out all the power you need for plug-in appliances like a toaster or microwave, and they’re light enough to unload and carry away to a safe distance from your RV before use.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>3. Small Recreational Inverter Generators</strong><br>Models of this category of our ratings generate 1,500 to 2,500 watts. That’s enough to be a steady source of basic backup power for a fridge, some lights, and a phone charger—but not much else. These units can’t be connected to a circuit breaker panel or used to power any device that doesn’t have a standard two- or three-prong plug. But you can link multiple inverter generators together with a special cable to combine their output. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many small recreational inverter models come with user-friendly features such as fuel-level indicators; some come with wheels. But these units typically weigh between 50 and 60 pounds, and are designed to be carried with one hand.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>4. Compact Inverter Generators</strong><br>You can plug two small appliances directly into the compact inverter generators in our ratings. They produce around 1,000 watts, enough power for tailgating or camping. These units lack convenience features like fuel gauges or standard wheels. With weights between 30 and 40 pounds, though, they’re designed for convenient, one-hand carrying.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Don’t let the small size of these units lull you into thinking you can bring them inside safely, however.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“Even a smaller generator can emit hazardous levels of CO in an enclosed space, so make sure you get a unit with CO safety technology and follow placement guidelines,” Kollontai says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Our generator buying guide is a great place to get the lay of the land, and our full generator ratings will let you compare specific models. CR members can read on for ratings and reviews of four top-performing inverter generators, one each from the four sizes we test.</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.consumerreports.org/home-garden/generators/pros-and-cons-of-inverter-generators-a1104840654/?itm_source=parsely-api\">click here.</a></p>\n<!-- /wp:paragraph -->','Pros and Cons of Inverter Generators','','publish','closed','closed','','pros-and-cons-of-inverter-generators','','','2023-09-01 12:09:26','2023-09-01 12:09:26','',0,'http://smartinsurance.tips/?p=3424',0,'post','',0),(3425,1,'2023-09-01 12:06:24','2023-09-01 12:06:24','','My-project-1-52','','inherit','closed','closed','','my-project-1-52','','','2023-09-01 12:06:24','2023-09-01 12:06:24','',3424,'http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-52.png',0,'attachment','image/png',0),(3426,1,'2023-09-01 12:09:26','2023-09-01 12:09:26','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">These machines come at a premium price, but they run longer, quieter, and more efficiently than traditional generators.</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\":3425,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-52-1024x536.png\" alt=\"\" class=\"wp-image-3425\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Inverter generators are a type of portable generator, with a twist.<br><br>When the electricity goes out, both inverter generators and traditional portable generators can power your home appliances and electronics, making the difference between a minor disruption in your life and a catastrophe. You set them up the same way, using gasoline as fuel and positioning them at least 20 feet from your home—never indoors—with the exhaust pointing away from your dwelling.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But inverter generators typically are far less noisy than traditional portable generators. If you’ve had to suffer through the din of a running portable generator, you can appreciate the value of that for your sanity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Inverter generators have other distinct advantages—and one notable drawback. So it’s helpful to know how they work, what makes them unique, and why they might be a worthwhile purchase.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Is an Inverter Generator Worth It?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The main drawback of inverter generators is their price. Though prices have been coming down somewhat, these units are still typically pricier than traditional portable generators with a comparable claimed wattage—from a few hundred to a couple of thousand dollars more.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But their benefits—which have to do with how they work—may make up for that negative. Inverter generators electronically throttle the engine up and down to meet demand, instead of running full tilt all the time as traditional generators do. That makes them more efficient.<br><br>\"An inverter generator only ramps up as high as it needs to,\" says Misha Kollontai, the Consumer Reports engineer who oversees our generator testing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">That efficiency means you won’t have to fill up the gas tank as often; that could be useful if fuel is hard to come by after an emergency. Inverter generators also produce lower emissions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">And the&nbsp;noise difference between inverter and traditional portable generators can be significant. “Inverter generators are generally quiet enough not to drown out nearby conversation,” Kollontai says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many inverter models in Consumer Reports’ generator ratings earn very good or even excellent scores for noise. In contrast, none of the traditional portable generators does better than middling, and quite a number score below that.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Are Inverter Generators Safer Than Other Portable Generators?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Carbon monoxide (CO) poisoning is a serious risk with all portable generators that aren’t used properly. Like other portables, inverter generators should only be used outside in an unenclosed area, at least 20 feet from your home, with the exhaust port pointing away from your dwelling.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To further reduce the risk of carbon monoxide poisoning, some new portable generators feature a built-in sensor that triggers an automatic shutoff if CO builds up to dangerous levels in an enclosed space. And some also have engines that emit less CO in the first place. The best generators come with both features.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Inverter generators are not inherently safer than other portable generators. Most of the inverter generators in our ratings have the automatic CO shutoff. But that’s also true of most of the traditional portable generators in our ratings.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can best ensure your household’s safety by choosing a recommended model from CR’s inverter generator ratings. Only portable and inverter generators with the automatic CO shutoff can earn our recommendation, regardless of how well the models perform otherwise. (In 2020, CR expanded its safety tests to distinguish between generators that simply have these safety features and those we’ve found to be demonstrably safer in various scenarios.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Size Inverter Generator Should You Get?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">To help you make better sense of your options, we break our inverter generator ratings into four groups:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>1. Large Inverter Generators</strong><br>Most large inverter generators in our ratings weigh from around 150 to around 300 pounds (wheels included). That’s too big to haul along to a tailgate party but big enough to power your house. They generate 5,000 watts of power or more (at 220 volts).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This category of inverter generator can be connected directly to your electrical panel with a safety device called a transfer switch, which CR strongly recommends. That allows the generator to power entire circuits in your home rather than having to plug in individual electronics with extension cords.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>2. Midsized Inverter Generators</strong><br>These weigh 80 pounds or more and might come with wheels. They produce 2,500 to 5,000 watts but don’t allow the recommended option of connecting to an electrical panel with a transfer switch. Instead, you plug appliances or electronics directly into the generator, which can be dangerous if you don’t follow certain safety guidelines.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">This size is well suited for users of recreational vehicles. These models put out all the power you need for plug-in appliances like a toaster or microwave, and they’re light enough to unload and carry away to a safe distance from your RV before use.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>3. Small Recreational Inverter Generators</strong><br>Models of this category of our ratings generate 1,500 to 2,500 watts. That’s enough to be a steady source of basic backup power for a fridge, some lights, and a phone charger—but not much else. These units can’t be connected to a circuit breaker panel or used to power any device that doesn’t have a standard two- or three-prong plug. But you can link multiple inverter generators together with a special cable to combine their output. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Many small recreational inverter models come with user-friendly features such as fuel-level indicators; some come with wheels. But these units typically weigh between 50 and 60 pounds, and are designed to be carried with one hand.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>4. Compact Inverter Generators</strong><br>You can plug two small appliances directly into the compact inverter generators in our ratings. They produce around 1,000 watts, enough power for tailgating or camping. These units lack convenience features like fuel gauges or standard wheels. With weights between 30 and 40 pounds, though, they’re designed for convenient, one-hand carrying.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Don’t let the small size of these units lull you into thinking you can bring them inside safely, however.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">“Even a smaller generator can emit hazardous levels of CO in an enclosed space, so make sure you get a unit with CO safety technology and follow placement guidelines,” Kollontai says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Our generator buying guide is a great place to get the lay of the land, and our full generator ratings will let you compare specific models. CR members can read on for ratings and reviews of four top-performing inverter generators, one each from the four sizes we test.</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.consumerreports.org/home-garden/generators/pros-and-cons-of-inverter-generators-a1104840654/?itm_source=parsely-api\">click here.</a></p>\n<!-- /wp:paragraph -->','Pros and Cons of Inverter Generators','','inherit','closed','closed','','3424-revision-v1','','','2023-09-01 12:09:26','2023-09-01 12:09:26','',3424,'http://smartinsurance.tips/?p=3426',0,'revision','',0),(3427,1,'2023-09-02 05:18:53','2023-09-02 05:18:53','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3428,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-42-1-1024x536.png\" alt=\"\" class=\"wp-image-3428\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Workers compensation insurance and general liability insurance are important coverage types for a small business. Together, they pay for a wide range of problems, including injuries and illnesses to your employees, accidental injuries and property damage to others and other types of claims, such as reputational harm.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Workers compensation insurance is required in most states, even if you only have one employee. General liability insurance typically isn’t required by law for most professions, but it’s an essential coverage type that every small business should have.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Is Workers Compensation Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Workers compensation insurance is a type of small business insurance that pays for employees’ medical bills and partially lost wages if an employee becomes ill or injured because of their job. For example, if your employee breaks an arm while performing a job-related task, workers compensation insurance will pay for their medical bills and a portion of their lost wages.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Workers comp also pays for ongoing care, such as physical therapy, lost wages for disability and death benefits if the employee dies due to workplace injury or illness. Death benefits can include a burial fee and survivor benefits which are a portion of the deceased worker’s salary for a certain time period. (The exact rules for survivor benefits vary by state.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Is Not Covered by Workers Comp?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Workers compensation insurance doesn’t generally cover:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Commuting to and from work, though an employee may be covered if they’re in a company vehicle or don’t have a physical office.</li><li>A workplace fight is not covered by workers comp, but if the fight was about work it may be covered.</li><li>Many states exclude workers comp coverage if substance abuse or intoxication contributed to the injury.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Who Needs Workers Compensation Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Workers compensation insurance is required for businesses with employees in most states, but the exact minimum amount of coverage varies by state and type of business. Companies without employees or those who are self-employed may also need workers compensation, but it depends on your state.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Four examples of how workers compensation laws vary by state include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>California</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Employers must provide California workers compensation insurance benefits to their employees under California Labor Code Section 3700. The business must provide workers compensation coverage for each of those employees, including part-time workers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Florida</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Florida workers compensation insurance requirements include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Employers who have four or more employees, including business owners who are corporate officers or limited liability company (LLC) members.</li><li>Construction employers who have at least one employee, including business owners who are corporate officers or LLC members.</li><li>Agricultural employers with six regular employees and/or 12 seasonal employees who work more than 30 days during the season but no more than a total of 45 days in a calendar year.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Michigan</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Michigan workers compensation insurance requirements include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>All public employers.</li><li>All private employers who regularly employ at least one employee who works 35 hours or more per week for 13 weeks or longer.</li><li>All private employers who regularly employ at least three employees at one time, including part-time employees.</li><li>Agricultural employers if they employ at least three employees, who work 35 hours or more per week for 13 or more consecutive weeks.</li><li>Household employers with domestic servants who work 35 hours or more per week for 13 weeks or longer.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Washington</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Washington workers compensation insurance is required for businesses with at least one employee, including part-time workers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Is General Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">General liability insurance is a type of small business insurance that covers your business for accidental property damage and injuries caused to others, such as a customer. It also covers problems like copyright infringement, reputational harm and advertising injury. General liability insurance also covers legal costs, judgments and settlements if you are sued because of an accident or a claim such as reputational harm.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">General liability insurance includes coverage for these issues.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure id=\"footable_654631\" class=\"wp-block-table\"><table><thead><tr><th scope=\"col\">Coverage</th><th scope=\"col\">When a claim may be made</th><th scope=\"col\">Example</th></tr></thead><tbody><tr><td>Bodily injury caused by your business operations</td><td>Your business accidentally causes bodily injury to someone else (not including your employees).</td><td>Medical expenses are covered if a customer is injured on your business property. If the customer decides to sue your business, general liability insurance also pays your defense costs.</td></tr><tr><td>Property damage liability claim</td><td>Your business accidentally causes property damage.</td><td>An employee accidentally damages a customer’s smartphone or an outdoor sign falls on a customer’s car.</td></tr><tr><td>Advertising injury</td><td>Your business violates a copyright or damages someone’s reputation.</td><td>Your business uses artwork in an advertisement without getting permission or you do something that harms someone’s reputation, such as saying something negative in a media interview.</td></tr></tbody></table></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Is Not Covered by General Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">General liability insurance doesn’t cover many types of issues that a company may face. Problems not covered by general liability insurance include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Employee injuries and illnesses</li><li>Business’ property damage</li><li>Theft</li><li>Business-related car accidents</li><li>Business-related errors</li><li>Liability damages beyond your coverage limits</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Who Needs General Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">General liability insurance isn’t required by law for most professions, but work contracts, licenses and leases may require that you get the coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For instance, real estate agents, accountants and dentists need licenses and those licenses require general liability insurance. General contractors and landscapers may need coverage as part of working with larger companies. Some states require construction contractors and developers to have general liability insurance in their licensing requirements. Professionals who rent an office may need general liability insurance to get a lease.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Other situations in which you may benefit from general liability insurance include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>You have customers or vendors who visit your business.</li><li>You use third-party locations for business activities.</li><li>You advertise or market your business.</li><li>You use social media professionally or personally.</li><li>You have temporary employees.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Differences Between Workers Compensation and General Liability Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Three key differences between workers comp and general liability coverage are who is covered, whether it’s required and how each is sold.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure id=\"footable_654644\" class=\"wp-block-table\"><table><thead><tr><th scope=\"col\">Differences</th><th scope=\"col\">Workers compensation insurance</th><th scope=\"col\">General liability insurance</th></tr></thead><tbody><tr><td>Who it covers</td><td>Employees</td><td>Claims involving non-employees</td></tr><tr><td>Requirement</td><td>Required in most states if you have employees</td><td>Not required by law, but may be mandated by licensing boards, clients, landlords or financial lenders</td></tr><tr><td>How it’s sold</td><td>On its own</td><td>On its own or as part of a business owners policy (BOP)</td></tr></tbody></table></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Cost Differences Between Workers Comp and General Liability</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>A stand-alone general liability insurance policy costs an average of $42 per month.</strong> You can typically save money by getting general liability insurance through a business owners policy (BOP). A BOP bundles general liability insurance, business property insurance and business interruption insurance and costs an average of $57 per month. A BOP is cheaper than buying these three essential coverage types separately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Workers comp costs an average of 93 cents for every $100 in payroll annually</strong>, according to The Hartford, which reports that most of its customers with less than $300,000 in payroll pay $70 per month, on average. The exact rate for your small business can differ significantly depending on the industry, state and past workers comp claims.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you work in an industry like accounting or finance, your business will be viewed as less risky than someone working in the construction industry. This will mean lower workers compensation insurance rates.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The state where you live impacts the rate because each state has its own workers compensation laws.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A claims history also influences workers compensation premiums. If your business has had a number of workers compensation claims in the past, you’ll see an increase in your workers comp insurance costs. Both the number of claims and the seriousness are considered when determining the workers comp rate for a business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Which Type of Insurance Does Your Business Need?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are multiple types of coverage, but whether you need them for your small business insurance depends on your profession, company and risk.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure id=\"footable_654649\" class=\"wp-block-table\"><table><thead><tr><th scope=\"col\">Type of coverage</th><th scope=\"col\">What it covers</th></tr></thead><tbody><tr><td>Business interruption insurance</td><td>Lost business income if you’re unable to open your business on a temporary basis due to a loss covered by the policy, such as a fire or theft.</td></tr><tr><td>Business owners policy (BOP) insurance</td><td>Combines general liability coverage with commercial property insurance and business interruption insurance.</td></tr><tr><td>Commercial auto insurance</td><td>Car accidents while doing company business.</td></tr><tr><td>Commercial property insurance</td><td>Theft and damage of company property.</td></tr><tr><td>Commercial umbrella insurance</td><td>Liability coverage beyond your general liability insurance policy.</td></tr><tr><td>Employment practices liability insurance</td><td>Settlements for claims against your business for wrongful termination or violations of employee rights</td></tr><tr><td>Errors and omissions insurance (E&amp;O), also called professional liability insurance</td><td>Claims of mistakes made in professional services.</td></tr><tr><td>General liability insurance</td><td>Bodily injuries and property damage accidentally caused by your business, and advertising injuries.</td></tr><tr><td>Inland marine insurance</td><td>Business property while it’s temporarily stored at an off-site location or in transit over land by automobiles, trucks and trains.</td></tr><tr><td>Workers compensation insurance</td><td>Employee injuries and illnesses.</td></tr></tbody></table></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Should I Have General Liability and Workers Comp Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you have any employees, you’ll be required to have workers compensation insurance in most states (even if it’s just one employee).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You may be required to have general liability insurance depending on your state and profession. For example, some states require construction contractors to have it. You also might need to have general liability insurance as a condition of your licensing, contract or office lease.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Even if you aren’t required to have general liability insurance, it’s worth having. An expensive lawsuit for a problem like bodily injuries, property damage or reputational harm could potentially bankrupt your company. Without general liability insurance, you would have to pay for these types of claims out of pocket.</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.forbes.com/advisor/business-insurance/workers-comp-vs-general-liability/\">click here.</a></p>\n<!-- /wp:paragraph -->','Workers Compensation Vs. General Liability Insurance','','publish','closed','closed','','workers-compensation-vs-general-liability-insurance','','','2023-09-02 05:18:53','2023-09-02 05:18:53','',0,'http://smartinsurance.tips/?p=3427',0,'post','',0),(3428,1,'2023-09-02 05:02:24','2023-09-02 05:02:24','','My-project-1-42-1','','inherit','closed','closed','','my-project-1-42-1','','','2023-09-02 05:02:24','2023-09-02 05:02:24','',3427,'http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-42-1.png',0,'attachment','image/png',0),(3430,1,'2023-09-02 05:06:42','2023-09-02 05:06:42','','image-1','','inherit','closed','closed','','image-1-5','','','2023-09-02 05:06:42','2023-09-02 05:06:42','',3427,'http://smartinsurance.tips/wp-content/uploads/2023/09/image-1.png',0,'attachment','image/png',0),(3429,1,'2023-09-02 05:05:40','2023-09-02 05:05:40','','image','','inherit','closed','closed','','image-9','','','2023-09-02 05:05:40','2023-09-02 05:05:40','',3427,'http://smartinsurance.tips/wp-content/uploads/2023/09/image.png',0,'attachment','image/png',0),(3431,1,'2023-09-02 05:18:53','2023-09-02 05:18:53','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3428,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-42-1-1024x536.png\" alt=\"\" class=\"wp-image-3428\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Workers compensation insurance and general liability insurance are important coverage types for a small business. Together, they pay for a wide range of problems, including injuries and illnesses to your employees, accidental injuries and property damage to others and other types of claims, such as reputational harm.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Workers compensation insurance is required in most states, even if you only have one employee. General liability insurance typically isn’t required by law for most professions, but it’s an essential coverage type that every small business should have.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Is Workers Compensation Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Workers compensation insurance is a type of small business insurance that pays for employees’ medical bills and partially lost wages if an employee becomes ill or injured because of their job. For example, if your employee breaks an arm while performing a job-related task, workers compensation insurance will pay for their medical bills and a portion of their lost wages.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Workers comp also pays for ongoing care, such as physical therapy, lost wages for disability and death benefits if the employee dies due to workplace injury or illness. Death benefits can include a burial fee and survivor benefits which are a portion of the deceased worker’s salary for a certain time period. (The exact rules for survivor benefits vary by state.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Is Not Covered by Workers Comp?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Workers compensation insurance doesn’t generally cover:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Commuting to and from work, though an employee may be covered if they’re in a company vehicle or don’t have a physical office.</li><li>A workplace fight is not covered by workers comp, but if the fight was about work it may be covered.</li><li>Many states exclude workers comp coverage if substance abuse or intoxication contributed to the injury.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Who Needs Workers Compensation Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Workers compensation insurance is required for businesses with employees in most states, but the exact minimum amount of coverage varies by state and type of business. Companies without employees or those who are self-employed may also need workers compensation, but it depends on your state.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Four examples of how workers compensation laws vary by state include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>California</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Employers must provide California workers compensation insurance benefits to their employees under California Labor Code Section 3700. The business must provide workers compensation coverage for each of those employees, including part-time workers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Florida</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Florida workers compensation insurance requirements include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Employers who have four or more employees, including business owners who are corporate officers or limited liability company (LLC) members.</li><li>Construction employers who have at least one employee, including business owners who are corporate officers or LLC members.</li><li>Agricultural employers with six regular employees and/or 12 seasonal employees who work more than 30 days during the season but no more than a total of 45 days in a calendar year.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Michigan</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Michigan workers compensation insurance requirements include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>All public employers.</li><li>All private employers who regularly employ at least one employee who works 35 hours or more per week for 13 weeks or longer.</li><li>All private employers who regularly employ at least three employees at one time, including part-time employees.</li><li>Agricultural employers if they employ at least three employees, who work 35 hours or more per week for 13 or more consecutive weeks.</li><li>Household employers with domestic servants who work 35 hours or more per week for 13 weeks or longer.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Washington</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Washington workers compensation insurance is required for businesses with at least one employee, including part-time workers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Is General Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">General liability insurance is a type of small business insurance that covers your business for accidental property damage and injuries caused to others, such as a customer. It also covers problems like copyright infringement, reputational harm and advertising injury. General liability insurance also covers legal costs, judgments and settlements if you are sued because of an accident or a claim such as reputational harm.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">General liability insurance includes coverage for these issues.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure id=\"footable_654631\" class=\"wp-block-table\"><table><thead><tr><th scope=\"col\">Coverage</th><th scope=\"col\">When a claim may be made</th><th scope=\"col\">Example</th></tr></thead><tbody><tr><td>Bodily injury caused by your business operations</td><td>Your business accidentally causes bodily injury to someone else (not including your employees).</td><td>Medical expenses are covered if a customer is injured on your business property. If the customer decides to sue your business, general liability insurance also pays your defense costs.</td></tr><tr><td>Property damage liability claim</td><td>Your business accidentally causes property damage.</td><td>An employee accidentally damages a customer’s smartphone or an outdoor sign falls on a customer’s car.</td></tr><tr><td>Advertising injury</td><td>Your business violates a copyright or damages someone’s reputation.</td><td>Your business uses artwork in an advertisement without getting permission or you do something that harms someone’s reputation, such as saying something negative in a media interview.</td></tr></tbody></table></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Is Not Covered by General Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">General liability insurance doesn’t cover many types of issues that a company may face. Problems not covered by general liability insurance include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Employee injuries and illnesses</li><li>Business’ property damage</li><li>Theft</li><li>Business-related car accidents</li><li>Business-related errors</li><li>Liability damages beyond your coverage limits</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Who Needs General Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">General liability insurance isn’t required by law for most professions, but work contracts, licenses and leases may require that you get the coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For instance, real estate agents, accountants and dentists need licenses and those licenses require general liability insurance. General contractors and landscapers may need coverage as part of working with larger companies. Some states require construction contractors and developers to have general liability insurance in their licensing requirements. Professionals who rent an office may need general liability insurance to get a lease.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Other situations in which you may benefit from general liability insurance include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>You have customers or vendors who visit your business.</li><li>You use third-party locations for business activities.</li><li>You advertise or market your business.</li><li>You use social media professionally or personally.</li><li>You have temporary employees.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Differences Between Workers Compensation and General Liability Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Three key differences between workers comp and general liability coverage are who is covered, whether it’s required and how each is sold.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure id=\"footable_654644\" class=\"wp-block-table\"><table><thead><tr><th scope=\"col\">Differences</th><th scope=\"col\">Workers compensation insurance</th><th scope=\"col\">General liability insurance</th></tr></thead><tbody><tr><td>Who it covers</td><td>Employees</td><td>Claims involving non-employees</td></tr><tr><td>Requirement</td><td>Required in most states if you have employees</td><td>Not required by law, but may be mandated by licensing boards, clients, landlords or financial lenders</td></tr><tr><td>How it’s sold</td><td>On its own</td><td>On its own or as part of a business owners policy (BOP)</td></tr></tbody></table></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Cost Differences Between Workers Comp and General Liability</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>A stand-alone general liability insurance policy costs an average of $42 per month.</strong> You can typically save money by getting general liability insurance through a business owners policy (BOP). A BOP bundles general liability insurance, business property insurance and business interruption insurance and costs an average of $57 per month. A BOP is cheaper than buying these three essential coverage types separately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>Workers comp costs an average of 93 cents for every $100 in payroll annually</strong>, according to The Hartford, which reports that most of its customers with less than $300,000 in payroll pay $70 per month, on average. The exact rate for your small business can differ significantly depending on the industry, state and past workers comp claims.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you work in an industry like accounting or finance, your business will be viewed as less risky than someone working in the construction industry. This will mean lower workers compensation insurance rates.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The state where you live impacts the rate because each state has its own workers compensation laws.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A claims history also influences workers compensation premiums. If your business has had a number of workers compensation claims in the past, you’ll see an increase in your workers comp insurance costs. Both the number of claims and the seriousness are considered when determining the workers comp rate for a business.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Which Type of Insurance Does Your Business Need?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">There are multiple types of coverage, but whether you need them for your small business insurance depends on your profession, company and risk.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure id=\"footable_654649\" class=\"wp-block-table\"><table><thead><tr><th scope=\"col\">Type of coverage</th><th scope=\"col\">What it covers</th></tr></thead><tbody><tr><td>Business interruption insurance</td><td>Lost business income if you’re unable to open your business on a temporary basis due to a loss covered by the policy, such as a fire or theft.</td></tr><tr><td>Business owners policy (BOP) insurance</td><td>Combines general liability coverage with commercial property insurance and business interruption insurance.</td></tr><tr><td>Commercial auto insurance</td><td>Car accidents while doing company business.</td></tr><tr><td>Commercial property insurance</td><td>Theft and damage of company property.</td></tr><tr><td>Commercial umbrella insurance</td><td>Liability coverage beyond your general liability insurance policy.</td></tr><tr><td>Employment practices liability insurance</td><td>Settlements for claims against your business for wrongful termination or violations of employee rights</td></tr><tr><td>Errors and omissions insurance (E&amp;O), also called professional liability insurance</td><td>Claims of mistakes made in professional services.</td></tr><tr><td>General liability insurance</td><td>Bodily injuries and property damage accidentally caused by your business, and advertising injuries.</td></tr><tr><td>Inland marine insurance</td><td>Business property while it’s temporarily stored at an off-site location or in transit over land by automobiles, trucks and trains.</td></tr><tr><td>Workers compensation insurance</td><td>Employee injuries and illnesses.</td></tr></tbody></table></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Should I Have General Liability and Workers Comp Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you have any employees, you’ll be required to have workers compensation insurance in most states (even if it’s just one employee).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You may be required to have general liability insurance depending on your state and profession. For example, some states require construction contractors to have it. You also might need to have general liability insurance as a condition of your licensing, contract or office lease.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Even if you aren’t required to have general liability insurance, it’s worth having. An expensive lawsuit for a problem like bodily injuries, property damage or reputational harm could potentially bankrupt your company. Without general liability insurance, you would have to pay for these types of claims out of pocket.</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.forbes.com/advisor/business-insurance/workers-comp-vs-general-liability/\">click here.</a></p>\n<!-- /wp:paragraph -->','Workers Compensation Vs. General Liability Insurance','','inherit','closed','closed','','3427-revision-v1','','','2023-09-02 05:18:53','2023-09-02 05:18:53','',3427,'http://smartinsurance.tips/?p=3431',0,'revision','',0),(3432,1,'2023-09-02 05:31:51','2023-09-02 05:31:51','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3433,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-44-1024x536.png\" alt=\"\" class=\"wp-image-3433\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Any business that has employees, contractors, agents, partners and volunteers is at risk for vicarious liability lawsuits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, let’s say you own a contracting business and one of your employees operates machinery without following your instructions or safety protocols, resulting in injuries to someone else. The injured person can sue your company, despite your employee acting carelessly. That might seem unfair, but it’s a reality that many small businesses face.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Is Vicarious Liability in Business Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Vicarious liability is when your business is held legally responsible for another person’s actions and mistakes. Vicarious liability insurance is a part of several small business insurance policies that can pay the costs of a lawsuit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, general liability insurance, professional liability and workers compensation insurance all have a vicarious liability component built into them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Does Vicarious Liability Insurance Cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Vicarious liability insurance covers legal costs, settlements and judgments if you are sued because of an action or mistakes made by others who are working on your company’s behalf, including:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Agents</li><li>Contractors (including independent contractors)</li><li>Directors and officers</li><li>Employees</li><li>Partners</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are some examples of vicarious liability claims:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Bodily injuries</li><li>Bullying</li><li>Copyright infringement</li><li>Discrimination</li><li>Harassment</li><li>Property damage</li><li>Slander or libel</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The types of problems that are covered by vicarious liability insurance will depend on the type of business insurance. For instance, your general liability insurance would cover a property damage claim, while your employment practices liability insurance would handle a discrimination claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Coverage Types Include Vicarious Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Several different types of small business insurance can cover vicarious liability claims, such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>General Liability Insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">General liability insurance covers your business for bodily injuries and property damage caused to others. It covers legal costs, judgments and settlements.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Suppose your employee overloads a dishwasher and it leaks onto the floor, causing a patron to slip and fall. Your general liability insurance covers the medical expenses and any legal costs if you are sued.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Directors and Officers Insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Directors and officers insurance (D&amp;O) covers your company for claims of wrongdoings by your directors and officers, such as misrepresentation of company assets, copyright infringement and theft of intellectual property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, if a director of your company is sued for causing a financial loss or bankruptcy, your D&amp;O insurance can cover the legal costs, judgment and or settlement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Employment Practices Liability Insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Employment practices liability insurance (EPLI) covers your legal costs for claims such as harrassment, wrongful termination, discrimination and privacy invasion.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, if a former employee claims your manager violated their employee rights, your EPLI would cover your company’s legal costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Errors and Omissions Insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Errors and omissions insurance (E&amp;O) covers claims of professional mistakes, such as providing inaccurate advice, misrepresentation, and violation of good faith and fair dealing. E&amp;O insurance is also called professional liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Suppose an accountant working on your behalf provides inaccurate advice to a client, leading to a tax penalty. Your E&amp;O insurance would cover the costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Workers Compensation Insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Workers compensation insurance covers your employees who become ill or injured while performing job-related tasks. It covers expenses such as medical bills, lost wages and disability benefits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, if an employee operates machinery they are not authorized to operate, resulting in an injury to another employee, your workers compensation insurance will cover their medical bills and other costs (such as lost wages).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Do I Need Vicarious Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you have employees or others who work on your company’s behalf—such as contractors, directors, officers or volunteers—you will need vicarious liability insurance. That’s because an action or mistake by a representative of your company could result in a lawsuit. Without business insurance, your company could face major financial consequences.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For instance, if one of your employees is accused of age discrimination against another employee, your company could face a lawsuit. Even if the claim has no merit, you would still need to pay out of pocket for a legal defense if you didn’t have employment practices liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Much Does Vicarious Liability Insurance Cost?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>The typical cost of general liability insurance is $42 per month</strong>. A general liability insurance policy will cover claims of accidental property damage and bodily injury claims to others. Your costs will vary depending on your business type, number of employees, payroll, location and other factors.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But a general liability insurance policy alone may be inadequate for your company’s needs. For example, if you have employees, you’ll also need workers compensation insurance. Here’s a look at the average cost for business insurance policies that include coverage for vicarious liability.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Examples of Vicarious Liability Insurance Costs</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The costs of insurance that cover vicarious liability claims usually range from $42 to $182 per month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure id=\"footable_607559\" class=\"wp-block-table\"><table><thead><tr><th scope=\"col\">Business insurance type</th><th scope=\"col\">Median cost per month</th></tr></thead><tbody><tr><td>General liability insurance</td><td>$42</td></tr><tr><td>Directors and officers insurance</td><td>$103</td></tr><tr><td>Employment practices liability insurance</td><td>$182</td></tr><tr><td>Errors and omissions insurance</td><td>$59</td></tr><tr><td>Workers compensation insurance</td><td>$45</td></tr></tbody></table></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Do I Get Vicarious Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A great place to start is with a business owners policy (BOP). A BOP includes general liability insurance, covering vicarious liability claims of bodily injuries and property damage. A BOP also includes commercial property insurance and business interruption insurance, which covers problems like stolen or damaged business property and lost income.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can add other coverage types to your BOP to cover other areas where your business is at risk for vicarious liability claims. For example, you can add workers compensation insurance, errors and omission insurance and employment practices liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It’s a good idea to speak with an independent insurance agent to help you identify the potential risks affecting your business and what coverage types will fit your company’s 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, <a href=\"https://www.forbes.com/advisor/business-insurance/vicarious-liability-business-insurance/\">click here.</a></p>\n<!-- /wp:paragraph -->','Vicarious Liability In Business Insurance','','publish','closed','closed','','vicarious-liability-in-business-insurance','','','2023-09-02 05:31:51','2023-09-02 05:31:51','',0,'http://smartinsurance.tips/?p=3432',0,'post','',0),(3433,1,'2023-09-02 05:25:45','2023-09-02 05:25:45','','My-project-1-44','','inherit','closed','closed','','my-project-1-44','','','2023-09-02 05:25:45','2023-09-02 05:25:45','',3432,'http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-44.png',0,'attachment','image/png',0),(3434,1,'2023-09-02 05:31:51','2023-09-02 05:31:51','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3433,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-44-1024x536.png\" alt=\"\" class=\"wp-image-3433\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Any business that has employees, contractors, agents, partners and volunteers is at risk for vicarious liability lawsuits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, let’s say you own a contracting business and one of your employees operates machinery without following your instructions or safety protocols, resulting in injuries to someone else. The injured person can sue your company, despite your employee acting carelessly. That might seem unfair, but it’s a reality that many small businesses face.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Is Vicarious Liability in Business Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Vicarious liability is when your business is held legally responsible for another person’s actions and mistakes. Vicarious liability insurance is a part of several small business insurance policies that can pay the costs of a lawsuit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, general liability insurance, professional liability and workers compensation insurance all have a vicarious liability component built into them.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Does Vicarious Liability Insurance Cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Vicarious liability insurance covers legal costs, settlements and judgments if you are sued because of an action or mistakes made by others who are working on your company’s behalf, including:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Agents</li><li>Contractors (including independent contractors)</li><li>Directors and officers</li><li>Employees</li><li>Partners</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Here are some examples of vicarious liability claims:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul class=\"has-black-color has-text-color has-large-font-size\"><li>Bodily injuries</li><li>Bullying</li><li>Copyright infringement</li><li>Discrimination</li><li>Harassment</li><li>Property damage</li><li>Slander or libel</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The types of problems that are covered by vicarious liability insurance will depend on the type of business insurance. For instance, your general liability insurance would cover a property damage claim, while your employment practices liability insurance would handle a discrimination claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">What Coverage Types Include Vicarious Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Several different types of small business insurance can cover vicarious liability claims, such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>General Liability Insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">General liability insurance covers your business for bodily injuries and property damage caused to others. It covers legal costs, judgments and settlements.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Suppose your employee overloads a dishwasher and it leaks onto the floor, causing a patron to slip and fall. Your general liability insurance covers the medical expenses and any legal costs if you are sued.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Directors and Officers Insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Directors and officers insurance (D&amp;O) covers your company for claims of wrongdoings by your directors and officers, such as misrepresentation of company assets, copyright infringement and theft of intellectual property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, if a director of your company is sued for causing a financial loss or bankruptcy, your D&amp;O insurance can cover the legal costs, judgment and or settlement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Employment Practices Liability Insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Employment practices liability insurance (EPLI) covers your legal costs for claims such as harrassment, wrongful termination, discrimination and privacy invasion.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, if a former employee claims your manager violated their employee rights, your EPLI would cover your company’s legal costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Errors and Omissions Insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Errors and omissions insurance (E&amp;O) covers claims of professional mistakes, such as providing inaccurate advice, misrepresentation, and violation of good faith and fair dealing. E&amp;O insurance is also called professional liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Suppose an accountant working on your behalf provides inaccurate advice to a client, leading to a tax penalty. Your E&amp;O insurance would cover the costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<h3 class=\"has-black-color has-text-color has-large-font-size\"><strong>Workers Compensation Insurance</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Workers compensation insurance covers your employees who become ill or injured while performing job-related tasks. It covers expenses such as medical bills, lost wages and disability benefits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For example, if an employee operates machinery they are not authorized to operate, resulting in an injury to another employee, your workers compensation insurance will cover their medical bills and other costs (such as lost wages).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">Do I Need Vicarious Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">If you have employees or others who work on your company’s behalf—such as contractors, directors, officers or volunteers—you will need vicarious liability insurance. That’s because an action or mistake by a representative of your company could result in a lawsuit. Without business insurance, your company could face major financial consequences.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">For instance, if one of your employees is accused of age discrimination against another employee, your company could face a lawsuit. Even if the claim has no merit, you would still need to pay out of pocket for a legal defense if you didn’t have employment practices liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Much Does Vicarious Liability Insurance Cost?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\"><strong>The typical cost of general liability insurance is $42 per month</strong>. A general liability insurance policy will cover claims of accidental property damage and bodily injury claims to others. Your costs will vary depending on your business type, number of employees, payroll, location and other factors.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">But a general liability insurance policy alone may be inadequate for your company’s needs. For example, if you have employees, you’ll also need workers compensation insurance. Here’s a look at the average cost for business insurance policies that include coverage for vicarious liability.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h3 class=\"has-black-color has-text-color has-extra-large-font-size\">Examples of Vicarious Liability Insurance Costs</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">The costs of insurance that cover vicarious liability claims usually range from $42 to $182 per month.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure id=\"footable_607559\" class=\"wp-block-table\"><table><thead><tr><th scope=\"col\">Business insurance type</th><th scope=\"col\">Median cost per month</th></tr></thead><tbody><tr><td>General liability insurance</td><td>$42</td></tr><tr><td>Directors and officers insurance</td><td>$103</td></tr><tr><td>Employment practices liability insurance</td><td>$182</td></tr><tr><td>Errors and omissions insurance</td><td>$59</td></tr><tr><td>Workers compensation insurance</td><td>$45</td></tr></tbody></table></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\">How Do I Get Vicarious Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">A great place to start is with a business owners policy (BOP). A BOP includes general liability insurance, covering vicarious liability claims of bodily injuries and property damage. A BOP also includes commercial property insurance and business interruption insurance, which covers problems like stolen or damaged business property and lost income.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">You can add other coverage types to your BOP to cover other areas where your business is at risk for vicarious liability claims. For example, you can add workers compensation insurance, errors and omission insurance and employment practices liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">It’s a good idea to speak with an independent insurance agent to help you identify the potential risks affecting your business and what coverage types will fit your company’s 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, <a href=\"https://www.forbes.com/advisor/business-insurance/vicarious-liability-business-insurance/\">click here.</a></p>\n<!-- /wp:paragraph -->','Vicarious Liability In Business Insurance','','inherit','closed','closed','','3432-revision-v1','','','2023-09-02 05:31:51','2023-09-02 05:31:51','',3432,'http://smartinsurance.tips/?p=3434',0,'revision','',0),(3435,1,'2023-09-03 04:32:44','2023-09-03 04:32:44','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Garagekeepers Insurance Covers Third-Party Liability.</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\":3436,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-45-1024x536.png\" alt=\"\" class=\"wp-image-3436\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Garagekeepers liability insurance protects your firm against claims that result from damage to vehicles owned by your customers. As the following example demonstrates, this coverage is important if your company repairs, services, stores, or parks other people\'s autos.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-2\">Example</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-3\">Art owns a small auto repair business called A-1 Auto Service. He employs two mechanics, Bill and Ed. One day, a customer named Susan drops off her pickup truck so the shop can install a new alternator. Bill completes the work and then prepares to take the truck for a test drive. He is backing the vehicle out of the bay when he accidentally collides with a car Ed is driving into a second bay. That vehicle belongs to Frank, another customer. Both vehicles sustain body damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\">Art notifies Susan and Frank about the accident and subsequently pays the cost of repairing the damage to their vehicles. A-1 Auto Service is insured under general liability and commercial auto policies. Art isn\'t sure which policy will cover the repair costs so he submits claims to both insurers. He\'s dismayed when both deny coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">The insurers cite the care, custody or control exclusion in their respective policies. The exclusion precludes coverage for property damage to property in the insured\'s care, custody or control. The claims aren\'t covered by either policy because the vehicles were in the repair shop\'s custody when the damage occurred.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-9\">Art could have protected his shop against claims arising from damage to customers\' vehicles by purchasing <em>garagekeepers coverage.</em> This coverage may be added to a commercial auto (or motor carrier) policy via an endorsement. It is designed for businesses that take custody of customers\' vehicles in order to park, store or perform work on them. Examples are valet parking services, auto repair shops, body shops, and auto glass shops.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-11\">Garagekeepers Liability Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\">Garagekeepers liability insurance covers sums you must legally pay as damages for loss to a customer\'s auto (or its equipment) left in your care while you are attending, servicing, repairing, parking or storing it in your&nbsp;<em>garage operations</em>. This term means the use of locations for the purpose of a business of selling, servicing, repairing, parking or storing customer\'s autos. Three coverage options are available:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-14\" class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Comprehensive.&nbsp;</strong>Covers damage to a customer\'s auto from any cause except the auto\'s collision with another object or the auto\'s overturn</li><li><strong>Specified Causes of Loss.</strong>&nbsp;Cheaper than comprehensive coverage. Covers damage caused by fire, lightning, explosion, theft, mischief or vandalism.</li><li><strong>Collision.&nbsp;</strong>Covers damage to a customer\'s auto caused by its collision with another object or the auto\'s overturn</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\">The coverages described above are the same options provided under auto physical damage coverage. However, garagekeepers insurance is a third-party (liability) coverage while auto physical damage insurance is a first-party (property) coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-18\">When your auto insurer provides garagekeepers insurance, it has a duty to defend you against suits covered by the policy. The policy includes coverage for Supplementary Payments, which pay costs your insurer incurs to defend you against covered claims. These costs are covered in addition to the policy limit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-20\">Exclusions</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-22\">Garagekeepers liability typically excludes claims or loss involving any of the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-24\" class=\"has-black-color has-text-color has-large-font-size\"><li>War, warlike action, insurrection, etc.</li><li>Theft by you, your employees or shareholders</li><li>Liability assumed under a contract</li><li>Defective parts or materials</li><li>Faulty work</li><li>Tape decks, CD players, and similar equipment not permanently installed in the vehicle</li><li>Radar detectors</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-26\">Limits and Deductibles</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-28\">The most your insurer will pay for each loss at each location is the garagekeepers limit of insurance minus the applicable deductible. Comprehensive or Specified Causes of Loss coverage may include two deductibles: one that applies to each vehicle and an \"each event\" deductible, which is the most that will be deducted for all loss in one event. The collision deductible applies to each vehicle.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-30\">Direct Coverage or Legal Liability</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\">Garagekeepers coverage normally applies on a&nbsp;<em>legal liability</em>&nbsp;basis. That is, it covers loss to customers\' vehicles only if you are legally liable for the damage. In the A-1 Auto Service scenario described above, the business is clearly liable for the damage to the customers\' autos because the damage was caused by A-1 employees\' negligence.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-34\">Customers\' vehicles could be damaged by perils that occur regardless of fault. An example is a tornado. Your business would not be legally liable for vehicle damage caused by a tornado, which is considered an Act of God. Nevertheless, you might choose to pay for the damage as a gesture of goodwill. The damage would be covered by your garagekeepers insurance if you have purchased&nbsp;<em>direct garagekeepers coverage.&nbsp;</em>Direct insurance covers damage to customers\' vehicles whether or not you are legally liable for the loss.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-36\">Direct Excess or Primary</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-38\">Direct coverage may apply on a primary or excess basis.&nbsp;<em>Direct primary</em>&nbsp;coverage provides first-line coverage for damage to customers\' autos in your custody regardless of your liability. When your garagekeepers insurance provides direct coverage, the customer need not file a claim under his or her own auto policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-40\">Direct primary coverage can be expensive. A cheaper alternative is<em> excess direct </em>coverage. It affords secondary coverage for losses for which you are not legally liable. Coverage is excess over any collectible other insurance. For instance, suppose a customer\'s vehicle is insured for comprehensive coverage under his personal auto policy. If the vehicle is destroyed by a tornado while in your custody, the customer\'s comprehensive coverage will apply first. If the customer has no comprehensive coverage, your direct excess coverage will pay the loss.</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/garagekeepers-liability-462435\">click here.</a></p>\n<!-- /wp:paragraph -->','Learn About Garagekeepers Liability Insurance','','publish','closed','closed','','learn-about-garagekeepers-liability-insurance-2','','','2023-09-03 04:32:44','2023-09-03 04:32:44','',0,'http://smartinsurance.tips/?p=3435',0,'post','',0),(3436,1,'2023-09-03 04:28:46','2023-09-03 04:28:46','','My-project-1-45','','inherit','closed','closed','','my-project-1-45-2','','','2023-09-03 04:28:46','2023-09-03 04:28:46','',3435,'http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-45.png',0,'attachment','image/png',0),(3437,1,'2023-09-03 04:32:44','2023-09-03 04:32:44','<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\">Garagekeepers Insurance Covers Third-Party Liability.</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\":3436,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-45-1024x536.png\" alt=\"\" class=\"wp-image-3436\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Garagekeepers liability insurance protects your firm against claims that result from damage to vehicles owned by your customers. As the following example demonstrates, this coverage is important if your company repairs, services, stores, or parks other people\'s autos.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-2\">Example</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-3\">Art owns a small auto repair business called A-1 Auto Service. He employs two mechanics, Bill and Ed. One day, a customer named Susan drops off her pickup truck so the shop can install a new alternator. Bill completes the work and then prepares to take the truck for a test drive. He is backing the vehicle out of the bay when he accidentally collides with a car Ed is driving into a second bay. That vehicle belongs to Frank, another customer. Both vehicles sustain body damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\">Art notifies Susan and Frank about the accident and subsequently pays the cost of repairing the damage to their vehicles. A-1 Auto Service is insured under general liability and commercial auto policies. Art isn\'t sure which policy will cover the repair costs so he submits claims to both insurers. He\'s dismayed when both deny coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-7\">The insurers cite the care, custody or control exclusion in their respective policies. The exclusion precludes coverage for property damage to property in the insured\'s care, custody or control. The claims aren\'t covered by either policy because the vehicles were in the repair shop\'s custody when the damage occurred.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-9\">Art could have protected his shop against claims arising from damage to customers\' vehicles by purchasing <em>garagekeepers coverage.</em> This coverage may be added to a commercial auto (or motor carrier) policy via an endorsement. It is designed for businesses that take custody of customers\' vehicles in order to park, store or perform work on them. Examples are valet parking services, auto repair shops, body shops, and auto glass shops.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-11\">Garagekeepers Liability Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\">Garagekeepers liability insurance covers sums you must legally pay as damages for loss to a customer\'s auto (or its equipment) left in your care while you are attending, servicing, repairing, parking or storing it in your&nbsp;<em>garage operations</em>. This term means the use of locations for the purpose of a business of selling, servicing, repairing, parking or storing customer\'s autos. Three coverage options are available:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-14\" class=\"has-black-color has-text-color has-large-font-size\"><li><strong>Comprehensive.&nbsp;</strong>Covers damage to a customer\'s auto from any cause except the auto\'s collision with another object or the auto\'s overturn</li><li><strong>Specified Causes of Loss.</strong>&nbsp;Cheaper than comprehensive coverage. Covers damage caused by fire, lightning, explosion, theft, mischief or vandalism.</li><li><strong>Collision.&nbsp;</strong>Covers damage to a customer\'s auto caused by its collision with another object or the auto\'s overturn</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-16\">The coverages described above are the same options provided under auto physical damage coverage. However, garagekeepers insurance is a third-party (liability) coverage while auto physical damage insurance is a first-party (property) coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-18\">When your auto insurer provides garagekeepers insurance, it has a duty to defend you against suits covered by the policy. The policy includes coverage for Supplementary Payments, which pay costs your insurer incurs to defend you against covered claims. These costs are covered in addition to the policy limit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-20\">Exclusions</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-22\">Garagekeepers liability typically excludes claims or loss involving any of the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-24\" class=\"has-black-color has-text-color has-large-font-size\"><li>War, warlike action, insurrection, etc.</li><li>Theft by you, your employees or shareholders</li><li>Liability assumed under a contract</li><li>Defective parts or materials</li><li>Faulty work</li><li>Tape decks, CD players, and similar equipment not permanently installed in the vehicle</li><li>Radar detectors</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-26\">Limits and Deductibles</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-28\">The most your insurer will pay for each loss at each location is the garagekeepers limit of insurance minus the applicable deductible. Comprehensive or Specified Causes of Loss coverage may include two deductibles: one that applies to each vehicle and an \"each event\" deductible, which is the most that will be deducted for all loss in one event. The collision deductible applies to each vehicle.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-30\">Direct Coverage or Legal Liability</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-32\">Garagekeepers coverage normally applies on a&nbsp;<em>legal liability</em>&nbsp;basis. That is, it covers loss to customers\' vehicles only if you are legally liable for the damage. In the A-1 Auto Service scenario described above, the business is clearly liable for the damage to the customers\' autos because the damage was caused by A-1 employees\' negligence.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-34\">Customers\' vehicles could be damaged by perils that occur regardless of fault. An example is a tornado. Your business would not be legally liable for vehicle damage caused by a tornado, which is considered an Act of God. Nevertheless, you might choose to pay for the damage as a gesture of goodwill. The damage would be covered by your garagekeepers insurance if you have purchased&nbsp;<em>direct garagekeepers coverage.&nbsp;</em>Direct insurance covers damage to customers\' vehicles whether or not you are legally liable for the loss.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<p class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-36\">Direct Excess or Primary</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-38\">Direct coverage may apply on a primary or excess basis.&nbsp;<em>Direct primary</em>&nbsp;coverage provides first-line coverage for damage to customers\' autos in your custody regardless of your liability. When your garagekeepers insurance provides direct coverage, the customer need not file a claim under his or her own auto policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-40\">Direct primary coverage can be expensive. A cheaper alternative is<em> excess direct </em>coverage. It affords secondary coverage for losses for which you are not legally liable. Coverage is excess over any collectible other insurance. For instance, suppose a customer\'s vehicle is insured for comprehensive coverage under his personal auto policy. If the vehicle is destroyed by a tornado while in your custody, the customer\'s comprehensive coverage will apply first. If the customer has no comprehensive coverage, your direct excess coverage will pay the loss.</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/garagekeepers-liability-462435\">click here.</a></p>\n<!-- /wp:paragraph -->','Learn About Garagekeepers Liability Insurance','','inherit','closed','closed','','3435-revision-v1','','','2023-09-03 04:32:44','2023-09-03 04:32:44','',3435,'http://smartinsurance.tips/?p=3437',0,'revision','',0),(3438,1,'2023-09-03 04:41:49','2023-09-03 04:41:49','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3439,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-46-1024x536.png\" alt=\"\" class=\"wp-image-3439\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Many businesses use company-owned vehicles to transport property. Accidents may occur while property is being loaded or unloaded from the auto. If the accident causes bodily injury or property damage to a third party, that person may file a claim or suit against the business. Fortunately, many claims that arise out loading or unloading are covered by a commercial auto policy. Here\'s an example.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-2\">Example</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-3\">Harry owns Happy HVAC Supplies, a company that sells heating and air conditioning equipment. Harry\'s company owns several trucks that it uses to deliver equipment to customers. The trucks are insured for liability under a business auto policy that lists Happy HVAC Supplies as the named insured.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\">One day, Harry asks Bill, a Happy HVAC employee, to deliver an air conditioner to a customer named Fred. Bill loads the air conditioner onto a company truck and drives to Fred\'s business location. Bill is in the process of unloading the unit when he accidentally drops it. The air conditioner bounces onto Fred\'s foot. Fred suffers a fractured ankle. Fred files a bodily injury claim against Happy HVAC Supplies, seeking $25,000 in compensation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-7\">Auto Liability Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-8\">Claims that arise out of the loading or unloading of property onto or from an auto are generally covered under commercial auto liability insurance if the following three conditions are satisfied:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-10\" class=\"has-black-color has-text-color has-large-font-size\"><li>The auto involved in the accident is a covered auto.</li><li>The plaintiff has sustained bodily injury or property damage as a result of the accident.</li><li>The person or company named in the claim or suit qualifies as an insured under the policy.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\">In the above example, the truck is a covered auto under Harry\'s auto liability insurance. Fred, the plaintiff, seeks damages for bodily injury he sustained in the accident. Harry\'s firm is an insured under the auto policy.&nbsp;Fred\'s bodily injury claim against Happy HVAC Supplies should be covered by the company\'s auto liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-14\">Liability Exclusions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-15\">Commercial auto liability coverage contains various exclusions that may apply to loading and unloading accidents.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">1. Employee Injuries</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">The policy excludes bodily injury claims filed by any of the insured\'s employees. In the Happy HVAC scenario outlined above, suppose that Bill strains his back when he drops the air conditioner. Harry has failed to purchase workers compensation insurance so Bill sues Happy HVAC for bodily injury. The claim won\'t be covered by Happy HVAC\'s auto policy due to the employee injury exclusion.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-21\">2. Damage to Property Being Loaded or Unloaded</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\">Property that you (or another insured) are loading or unloading onto or from an auto is deemed to be property in your \"care, custody or control.\" Damage to such property is excluded under auto liability insurance. In the Happy HVAC example, suppose that the air conditioner bounces off Fred\'s foot and then slams into the concrete driveway. The air conditioner is badly damaged. Fred files a property damage claim against Happy HVAC, demanding reimbursement of the $3500 he paid for the air conditioner.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-25\">The air conditioner was in Bill\'s custody when it was damaged in the accident. The \"care, custody or control\" exclusion will apply, and Happy HVAC\'s auto insurer will not pay for the damage to the machine.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-27\">Commercial auto liability insurance may cover third-party property damage that occurs during the loading or unloading process if the property is not subject to the \"care, custody or control\" exclusion. For example, suppose that Bill is unloading the air conditioner when he accidentally drops it onto the hood of a sports car parked nearby. The car belongs to one of Fred\'s customers. If the car owner files a property damage claim against Happy HVAC, the claim should be covered by the company\'s auto policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-29\">3. Movement by a Mechanical Device</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-31\">Property is often loaded or unloaded from a vehicle with the aid of a mechanical device such as a forklift. The auto policy excludes bodily injury or property damage caused by the movement of property with a mechanical device unless the device is attached to the auto. (This exclusion does not apply to a hand truck.) Suppose that Bill is using a forklift to unload the air conditioner when he accidentally dumps it onto Fred\'s foot. If Fred files a bodily injury claim against Happy HVAC, the claim will not be covered by the firm\'s auto policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-33\">Now suppose that Bill is unloading the air conditioner using a crane attached to the truck. Bill accidentally drops the air conditioner onto Fred\'s foot, causing an injury. If Bill seeks compensation for his injury from Happy HVAC, the claim should be covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-35\">General Liability Policy</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-36\">Claims that arise from the loading or unloading of property onto or from an auto, aircraft, or watercraft are excluded under a general liability policy. The policy also excludes the loading or unloading of property by the use of a hand truck or by a mechanical device attached to an auto, aircraft, or watercraft. These exclusions ensure that the loading and unloading coverage provided by the auto policy isn\'t duplicated in the liability policy.</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/auto-loading-or-unloading-accidents-462420\">click here.</a></p>\n<!-- /wp:paragraph -->','Auto Loading or Unloading Accidents','','publish','closed','closed','','auto-loading-or-unloading-accidents','','','2023-09-03 04:41:49','2023-09-03 04:41:49','',0,'http://smartinsurance.tips/?p=3438',0,'post','',0),(3439,1,'2023-09-03 04:38:34','2023-09-03 04:38:34','','My-project-1-46','','inherit','closed','closed','','my-project-1-46-2','','','2023-09-03 04:38:34','2023-09-03 04:38:34','',3438,'http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-46.png',0,'attachment','image/png',0),(3440,1,'2023-09-03 04:41:49','2023-09-03 04:41:49','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3439,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/09/My-project-1-46-1024x536.png\" alt=\"\" class=\"wp-image-3439\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0\">Many businesses use company-owned vehicles to transport property. Accidents may occur while property is being loaded or unloaded from the auto. If the accident causes bodily injury or property damage to a third party, that person may file a claim or suit against the business. Fortunately, many claims that arise out loading or unloading are covered by a commercial auto policy. Here\'s an example.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-2\">Example</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-3\">Harry owns Happy HVAC Supplies, a company that sells heating and air conditioning equipment. Harry\'s company owns several trucks that it uses to deliver equipment to customers. The trucks are insured for liability under a business auto policy that lists Happy HVAC Supplies as the named insured.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-5\">One day, Harry asks Bill, a Happy HVAC employee, to deliver an air conditioner to a customer named Fred. Bill loads the air conditioner onto a company truck and drives to Fred\'s business location. Bill is in the process of unloading the unit when he accidentally drops it. The air conditioner bounces onto Fred\'s foot. Fred suffers a fractured ankle. Fred files a bodily injury claim against Happy HVAC Supplies, seeking $25,000 in compensation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-7\">Auto Liability Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-8\">Claims that arise out of the loading or unloading of property onto or from an auto are generally covered under commercial auto liability insurance if the following three conditions are satisfied:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<ul id=\"mntl-sc-block_1-0-10\" class=\"has-black-color has-text-color has-large-font-size\"><li>The auto involved in the accident is a covered auto.</li><li>The plaintiff has sustained bodily injury or property damage as a result of the accident.</li><li>The person or company named in the claim or suit qualifies as an insured under the policy.</li></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-12\">In the above example, the truck is a covered auto under Harry\'s auto liability insurance. Fred, the plaintiff, seeks damages for bodily injury he sustained in the accident. Harry\'s firm is an insured under the auto policy.&nbsp;Fred\'s bodily injury claim against Happy HVAC Supplies should be covered by the company\'s auto liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-14\">Liability Exclusions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-15\">Commercial auto liability coverage contains various exclusions that may apply to loading and unloading accidents.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-17\">1. Employee Injuries</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-19\">The policy excludes bodily injury claims filed by any of the insured\'s employees. In the Happy HVAC scenario outlined above, suppose that Bill strains his back when he drops the air conditioner. Harry has failed to purchase workers compensation insurance so Bill sues Happy HVAC for bodily injury. The claim won\'t be covered by Happy HVAC\'s auto policy due to the employee injury exclusion.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-21\">2. Damage to Property Being Loaded or Unloaded</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-23\">Property that you (or another insured) are loading or unloading onto or from an auto is deemed to be property in your \"care, custody or control.\" Damage to such property is excluded under auto liability insurance. In the Happy HVAC example, suppose that the air conditioner bounces off Fred\'s foot and then slams into the concrete driveway. The air conditioner is badly damaged. Fred files a property damage claim against Happy HVAC, demanding reimbursement of the $3500 he paid for the air conditioner.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-25\">The air conditioner was in Bill\'s custody when it was damaged in the accident. The \"care, custody or control\" exclusion will apply, and Happy HVAC\'s auto insurer will not pay for the damage to the machine.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-27\">Commercial auto liability insurance may cover third-party property damage that occurs during the loading or unloading process if the property is not subject to the \"care, custody or control\" exclusion. For example, suppose that Bill is unloading the air conditioner when he accidentally drops it onto the hood of a sports car parked nearby. The car belongs to one of Fred\'s customers. If the car owner files a property damage claim against Happy HVAC, the claim should be covered by the company\'s auto policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-29\">3. Movement by a Mechanical Device</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-31\">Property is often loaded or unloaded from a vehicle with the aid of a mechanical device such as a forklift. The auto policy excludes bodily injury or property damage caused by the movement of property with a mechanical device unless the device is attached to the auto. (This exclusion does not apply to a hand truck.) Suppose that Bill is using a forklift to unload the air conditioner when he accidentally dumps it onto Fred\'s foot. If Fred files a bodily injury claim against Happy HVAC, the claim will not be covered by the firm\'s auto policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-33\">Now suppose that Bill is unloading the air conditioner using a crane attached to the truck. Bill accidentally drops the air conditioner onto Fred\'s foot, causing an injury. If Bill seeks compensation for his injury from Happy HVAC, the claim should be covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textColor\":\"black\",\"fontSize\":\"extra-large\"} -->\n<h2 class=\"has-black-color has-text-color has-extra-large-font-size\" id=\"mntl-sc-block_1-0-35\">General Liability Policy</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"textColor\":\"black\",\"fontSize\":\"large\"} -->\n<p class=\"has-black-color has-text-color has-large-font-size\" id=\"mntl-sc-block_1-0-36\">Claims that arise from the loading or unloading of property onto or from an auto, aircraft, or watercraft are excluded under a general liability policy. The policy also excludes the loading or unloading of property by the use of a hand truck or by a mechanical device attached to an auto, aircraft, or watercraft. These exclusions ensure that the loading and unloading coverage provided by the auto policy isn\'t duplicated in the liability policy.</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/auto-loading-or-unloading-accidents-462420\">click here.</a></p>\n<!-- /wp:paragraph -->','Auto Loading or Unloading Accidents','','inherit','closed','closed','','3438-revision-v1','','','2023-09-03 04:41:49','2023-09-03 04:41:49','',3438,'http://smartinsurance.tips/?p=3440',0,'revision','',0),(3463,0,'2023-09-14 02:05:22','2023-09-14 02:05:22','<!-- wp:navigation-link {\"className\":\" menu-item menu-item-type-post_type menu-item-object-page menu-item-home\",\"description\":\"\",\"id\":\"1789\",\"kind\":\"post-type\",\"label\":\"10 Important Ages for Retirement Planning\",\"opensInNewTab\":false,\"rel\":null,\"title\":\"\",\"type\":\"page\",\"url\":\"https://smartinsurance.tips/\"} /-->','Main Menu','','publish','closed','closed','','main-menu','','','2023-09-14 02:05:22','2023-09-14 02:05:22','',0,'https://smartinsurance.tips/main-menu/',0,'wp_navigation','',0),(3536,1,'2023-10-13 16:42:57','2023-10-13 16:42:57','<!-- wp:paragraph -->\n<p>It can cost twice as much to insure a manufactured home as a traditional one. Here’s how to get a lower premium.</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\":3537,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://smartinsurance.tips/wp-content/uploads/2023/10/Untitled-13-1024x1024.png\" alt=\"\" class=\"wp-image-3537\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Last year when my friend Tami Crandall from Spearfish, S.D., renewed her home insurance on her 2,400-square-foot, 1913 two-story farmhouse with a detached garage, the price tag was about what she expected: $1,800 for the year. But Tami’s daughter and son-in-law, who live just a hundred feet away in a 1,500-square-foot manufactured home—a factory-built structure that rests on a permanent metal chassis as its foundation—had to pay more than twice that amount, almost $4,000, for similar coverage. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Manufactured homes, built in just a few facilities around the country and then shipped to a manufactured home park or land you own, are increasingly common. More than 22 million people in the U.S.—1 in 15—live in one, according to the Manufactured Housing Institute. In fact, since 2014, the number of new manufactured home shipments to homeowners nearly doubled. (Note that “mobile homes” are similar to manufactured homes but were built before 1976, when new building standards were introduced. Both are different from “modular homes,” which are more like traditional homes but built in a factory and shipped to your property to be placed on a foundation.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>One attraction of manufactured homes: their relatively low cost. Single-wides average $86,400 for 1,064 square feet of space, while doubles run about $158,600 for 1,757 square feet, according to the U.S. Census Bureau. Amenities can include open configurations, quartz kitchen countertops, crown molding, guest bedrooms and bathrooms, attached decks, wrap-around porches, fireplaces, vaulted ceilings, spa showers, and walk-in closets.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But where the math that doesn’t always work out is how much a manufactured home might cost to insure: Though a manufactured home averages nearly half the size of a traditional home, its homeowners insurance can be twice as expensive. Tami, who’s been an insurance agent for 17 years, wasn’t surprised by the high rates her daughter paid.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, in Houston it costs an average of&nbsp;$2,474 to get $100,000 of coverage on a manufactured home, according to figures by Value Penguin, an insurance aggregator website. But getting $250,000 of coverage for a traditional home in Texas costs an average of just&nbsp;$1,967, according to Bankrate. Similar figures apply to owners of traditional homes in Florida, who spend an average $1,981 for their policies, while owners of manufactured homes pay up to $2,400.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>So what gives?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The insurance industry points to a manufactured home’s greater susceptibility to wind, hail damage, tornadoes, fire, theft, and vandalism compared with a traditional home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But Douglas Heller, director of insurance for the Consumer Federation of America, a nonprofit that advocates for consumer issues, says insurers are more likely to take advantage of “financially vulnerable” segments of the population, charging them higher premiums for policies with fewer benefits and less coverage compared with a larger home that’s insured next door.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Consumer advocates also say there may be outdated discrimination from the days when mobile home parks were mostly located in poor and crime-ridden ZIP codes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Why Owners of Manufactured Homes Might Pay More for Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The Manufactured Housing Institute, a trade organization for the industry, says many manufactured homes today are located in resort-like communities with features like pools and tennis courts, and that the homes are as safe as traditional-built homes. For example, MHI points to a 2013 National Fire Protection Association report showing that manufactured homes experience up to 44 percent fewer fires than traditional “site-built” homes. In addition, the federal codes, to which manufactured homes must be built, require fire retardant materials and at least two exterior doors for an emergency exit. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Plus, MHI says manufactured homes perform as well as traditional, or “site-built,” ones during a storm—although the group acknowledges they are more commonly located in areas such as the Midwest or South where tornadoes and other severe storms can occur. They also point out that proper installation and anchoring of a manufactured home can keep it safe in severe weather.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“There are some differences between the construction materials of a manufactured home and a traditional home,” acknowledges Dave Anderson, executive director of the National Manufactured Homeowners Association.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Another difference: Some manufactured homes may be located in areas with higher risks for theft and vandalism. “But do those differences mean insurance costs would be a little higher? Maybe. But nearly twice as much? I don’t think so,” Anderson says.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>One problem for manufactured home insurance buyers could be lack of competition among companies, says Joseph Sullivan, executive director of the Manufactured Home Owners Association of New Jersey, who also sits on a manufactured home advisory committee at the U.S. Department of Housing and Urban Development.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>While there are more than a dozen national companies that sell homeowners insurance policies (think Allstate, Farmers, Liberty Mutual, State Farm, USAA, for example), Sullivan points out that there are only a handful of companies that insure manufactured homes, including Allstate, American Modern, Assurant, and Farmers/Foremost. Less competition, Sullivan says, can mean higher rates for the consumer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“If you go to, say, Geico, you’re going to get a policy through one of these companies,” Sullivan says. Indeed, Geico partners with Assurant, American Modern, and Foremost, among others.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Case in point: Tami Crandall, in S.D., had dozens of companies&nbsp;to choose from for her homeowners insurance; her daughter and son-in-law had only three.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Commonsense Suggestions</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>To start with, yes, you should insure your manufactured home, even though most states don’t require it, says Anderson. For one thing, your bank or manufactured-home community will probably require it. For another, it’s a smart move to protect what is likely your most important asset from unforeseen circumstances. Home insurance also covers your liability if someone else has an accident on your property or in your home, Anderson points out. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>When it’s time to shop around for a policy, consider working with a local independent agent, which can be more efficient than looking for yourself online. Not sure whether an agent is truly independent, or is actually a broker for just one or two companies? Just ask, Crandall says.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>No matter which company you get your insurance from, here are a few tried-and-true suggestions to help you get the best deal.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Have the highest possible credit score.</strong> For nearly any kind of insurance, including manufactured home insurance, having the best possible score you can will help, says Chuck Bell, CR policy analyst who works on credit scores and insurance issues. Although CR advocates think it is unfair and potentially discriminatory to use credit history to set premium rates, for now your best course of action is to review your credit report for free at AnnualCreditReport.com, correct any errors you find with the credit bureaus, and deal with any debt collection notices on your report—both of which could easily raise your score once resolved.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Ask about bundling.&nbsp;</strong>It’s always worth asking for quotes from insurance companies where you already have a policy, and finding out whether there’s a discount for getting, say, your car and home insurance policies from the same company. You could save 10 to 15 percent, Crandall says. One example: American Family says bundling home and auto policies could save you up to 23 percent.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Consider a higher deductible.&nbsp;</strong>Increasing your deductible—the amount you’ll first pay out of pocket before your insurance—from $500 to $1,000 or even $1,500 could save several hundred dollars off your premium.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Pay the premium in full.&nbsp;</strong>Doing so could save between 5 and 15&nbsp;percent, Crandall says. Also, ask whether using an electronic funds transfer could net you additional savings. Paying via EFT might save you around 3 percent of your monthly or annual premium.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">7 Questions for a Lower Premium</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Manufactured homes have a few features and are subject to some requirements that are unique to the structure itself. As you shop around for insurance,&nbsp;ask these questions to see whether you could receive any discounts, which may vary by state.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>1. Are there discounts for security or smart home features?</strong> Any measures you take to deter vandalism or theft, such as having a security system or putting up fencing, could help lower your premium, Crandall says. American Family Insurance says it offers discounts for Smart home connections that can alert you to an emergency. Foremost says having a security alarm or central alarm could net you a discount in some states.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Anything that’s going to increase your safety, such as alarms or fencing, typically qualifies for some sort of discount,” says Scott Holeman, spokesperson for the Institute of Insurance Information, an industry research group.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>2. What about safety measures against extreme weather threats or fire?</strong> Crandall says to also mention to your broker whether you’ve installed fire or CO2 alarms or fire extinguishers, secured the home down with anchoring ties, or taken other steps such as installing heat tape around exposed pipes to avoid pipes bursting during cold weather. These may be required steps by the community you live in, and could save you money, Crandall says. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>3. What if you add wind-resistant features? </strong>Farmers Insurance says storm shutters and other hurricane-resistant components could net you a discount, which can vary by state. But in some states, like Florida, investing in wind-resistant shingles, carport materials, or doors might be required by the manufactured home community you live in, says Russell Watson, vice president for the southeast region for the National Manufactured Homeowners Association, and who runs a manufacturing home education program and sits on a HUD advisory committee. These can not only protect your property but also help you avoid damaging a neighbor’s home. Required or not, if you’ve taken these steps, mention it to your insurance agent in case a discount is available. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>4. What if the home is situated in a \"park\" community?&nbsp;</strong>These are communities&nbsp;for manufactured homes that generally have on-site management and provide maintenance<strong>.&nbsp;</strong>Although the amount may vary by state, insurers may provide discounts for homes in such places. If your home is located in one, you could save around 5 percent off your premium.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>5. Is there a discount for being the original owner, or being over the age of 55?&nbsp;</strong>Although not every insurer will offer these discounts, Allstate says it provides up to a 5 percent discount every year off your premium if you are the original title holder and up to 10 percent if you’re over age 55.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>6. Is there a discount for a newer manufactured home?&nbsp;</strong>American Family Insurance, for example, says it offers discounts to homes that are less than four years old. Foremost says it offers discounts in most states for newer homes and sometimes even for homes older than five years.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>7. Are there any price breaks for going multiple years without a claim?</strong> If you haven’t made a claim on a policy you’ve had for several years, ask whether you can get a discount. But if you’re shopping for a new policy, and have made claims in the past, don’t try to hide that information, Crandall says. Insurers use a central database lookup tool that tracks all consumer claims for up to about five years. So be honest when filling out your application forms or you may appear to be a potentially unreliable client. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Bonus: Are you, your spouse, or your parent a veteran?</strong> Join USAA for access to manufactured home insurance. Good to know: You can be divorced from a USAA member and not yet remarried, or widowed, and still be eligible for all USAA benefits (not just insurance).</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.consumerreports.org/money/homeowners-insurance/how-to-save-on-insurance-for-a-manufactured-home-a7960045232/\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Save on Insurance for a Manufactured Home','','publish','open','open','','how-to-save-on-insurance-for-a-manufactured-home','','','2023-10-13 16:42:57','2023-10-13 16:42:57','',0,'http://smartinsurance.tips/?p=3536',0,'post','',0),