Mark Kofalt, Author at Premier Insurance Services

Stay Healthy with Home-Cooked Meals

Post author:Mark Kofalt
Post published:September 5, 2019
Post category:Personal/Family

Restaurant and other commercially prepared foods are notoriously high in fat, salt and sugar. These foods are fine as an occasional indulgence or for a special occasion, but usually not healthy as a regular diet. According to research, eating home-cooked meals leads to better health than eating out frequently. While that's not surprising, there are other benefits too: Better-balanced meals Studies have found that eating out will increase your calorie, sodium and fat intake by at least 50%, although if you only eat out occasionally, taking in that extra food is not going to throw your weight off the charts…

Bike Safety Tips for the Summer

Post author:Mark Kofalt
Post published:August 29, 2019
Post category:Personal/Family

WHEN THE weather warms up, people hit the roads and paths on their bikes. But for many people who don't ride often, they may make dangerous mistakes while sharing the road with vehicles. If a vehicle strikes a bicyclist, the ensuing injuries may be severe or potentially fatal. Most car vs. bike accidents happen during the spring and summer so it's good to understand the risks and how to prevent accidents. What bicyclists can do About 75% of bicyclists reported wearing reflective gear at night, and many reported properly following the rules of the road consistently in a survey. Follow…

How to Handle Water Damage to Your Home, Business

Post author:Mark Kofalt
Post published:August 26, 2019
Post category:Business Personal/Family

People often worry about fires damaging their homes and commercial buildings. While fires are dangerous and can cause extensive damage to property, they are rare compared to another element that is in the home or building every minute of every day: Water. Properties suffer water damage more frequently than they do other causes of loss. Water damage emergencies occur 14,000 times a day in American homes and businesses, according to insurance industry data. In comparison, fires occur in fewer than 3,600 homes per day, and burglaries occur 8,200 times a day. The basements in 98% of US homes will suffer…

Six Most Common Errors Medicare Enrollees Make

Post author:Mark Kofalt
Post published:August 19, 2019
Post category:Personal/Family Senior Care

Choosing the right Medicare plan is one of the most important decisions you have to make as a senior. Since there are hundreds of policies to consider when choosing, and an overabundance of information to plow through with each one, most people just get frustrated and guess when they choose a policy. But by taking that approach, they can end up hurting themselves by paying too much for a plan that does not cover their needs. These are the six most common errors to avoid when enrolling in Medicare: Signing up too late or too early The initial enrollment period…

The Keto Diet: Good or Bad for You?

Post author:Mark Kofalt
Post published:August 15, 2019
Post category:Personal/Family

Various fad diets come and go and the latest trend is the ketogenic diet - also known as just "keto." People who go on keto diets tend to drop weight pretty rapidly and the regimen has been linked to lower blood-sugar levels thanks to the absence of carbs - which are essentially sugars. The main thrust of the diet is that when your body doesn't have carbohydrates to burn for fuel it starts burning fat instead, which in turn produces ketone molecules. Once your body gets used to burning fat for fuel instead of carbs you've reached a "ketosis", when…

Performing a Thorough Background Check

Post author:Mark Kofalt
Post published:August 12, 2019
Post category:Business

Employment background checks are not just for executive-level management. A thorough background check should be performed to avoid making any assumptions about an employee's history. To help you get started, here are some essentials of a complete background check: Current address Confirm a current address through a telephone directory, confirmation with landlord, rental or mortgage company, or county tax office. Former addresses Confirm prior addresses through former employers, credit agencies, or by contacting landlords of former residences. Other detailed information you might choose to verify is the amount of rent or mortgage paid, whether it was paid on time, details…

Affordable Insurance against Accidental Death and Dismemberment

Post author:Mark Kofalt
Post published:August 8, 2019
Post category:Personal/Family

No one likes to contemplate it, but accidents result in over 161,000 deaths per year in the United States. About 58.6 in every 100,000 individuals will die of accidental injury or homicide this year. Unintentional injury is the 5th leading cause of death in the country, according to the Centers for Disease Control. Of these, if past numbers hold constant, about 34,000 people will die in falls over the next year (10.4 per 100,000 persons), 40,327 individuals will die in traffic accidents (12.3 per 100,000) and 58,335 will die as a result of unintentional poisoning (17.8 per 100,000 people). About…

Six Most Common Errors Medicare Enrollees Make

Post author:Mark Kofalt
Post published:August 5, 2019
Post category:Personal/Family Senior Care

Choosing the right Medicare plan is one of the most important decisions you have to make as a senior. Since there are hundreds of policies to consider when choosing, and an overabundance of information to plow through with each one, most people just get frustrated and guess when they choose a policy. But by taking that approach, they can end up hurting themselves by paying too much for a plan that does not cover their needs. These are the six most common errors to avoid when enrolling in Medicare: Signing up too late or too early The initial enrollment period…