Personal/Family Archives - Page 8 of 14 - Premier Insurance Services

Reducing Your Risk When Driving at Night

Post author:Mark Kofalt
Post published:April 20, 2020
Post category:Personal/Family

Driving at night is more dangerous, even though there is often less traffic than during daylight hours. In fact, nighttime crashes are three times more fatal than those that occur during the day, according to the National Highway Traffic Safety Administration (NHTSA). There are a few reasons for these sad statistics: We don't see as well in the dark, which means that we often have less room and time to stop.The glare from streetlights can sometimes make it harder to see.There are more drunk drivers on the road at night.Drivers are more apt to be drowsy while driving. But sometimes…

Turn Around Unhealthy Thinking and Habits About Money

Post author:Mark Kofalt
Post published:April 13, 2020
Post category:Personal/Family

During the course of a lifetime, many of us pick up some unhealthy attitudes and thinking regarding money. These attitudes can come from our parents who may have taught us their fears about being poor, or living through tough times. Some can come from schoolteachers and pastors who may have even added a moral dimension to these fears by passing along quotes such as, "money is the root of all evil." And some of our attitudes are born from our personal experiences. Like the newly married man whose in-laws came to visit and he was so embarrassed at only having…

How to Stay Sane if You Are Isolating

Post author:Mark Kofalt
Post published:April 2, 2020
Post category:Personal/Family

As more and more of us are being told to either self-isolate with our families or self-quarantine under doctor's orders, we are spending almost all of our time at home, inside. Some of us will get cabin fever, especially those who live alone. Thanks to technology though, you can do different things to keep up socially with your friends and family. And there are also many low-tech ways to beat the boredom and be social. You may want to consider the following: Virtual coffee chats and dinners Get together with friends you may have planned to meet for coffee, lunch…

Why Disability Insurance Can Save You from Ruin

Post author:Mark Kofalt
Post published:March 19, 2020
Post category:Personal/Family

At least 51 million working adults in the United States are without disability insurance other than the basic coverage available through Social Security. These working folks are facing a growing crisis due to their lack of adequate disability coverage. You may think that disability payments from the government can help you get through tough times should you become partially, temporarily or permanently disabled, but government payments are extremely low. Today, many people are faced with an absence of emergency savings, rising medical costs, and an overall trend of fewer employers offering benefits to workers. This has created a critical blind…

Dog Owners Liable When Their Pets Bite — Are You Covered?

Post author:Mark Kofalt
Post published:March 10, 2020
Post category:Personal/Family

There were over 90 million dogs residing in people's homes across the United States in 2018, according to the American Pet Products Association. Unfortunately, there are more than 5 million dog bites reported each year, according to the Centers for Disease Control. Of that amount, almost 900,000 require medical care, and about 50% of those cases involve children. While insurers will cover most dogs, some will not insure a long list of specific breeds. Dobermans and pit bulls are on many of the exclusion lists. Some insurers do not discriminate by breed and instead determine a dog's status by individual…

Eight Insurance Cost-Saving Tips for 2020

Post author:Mark Kofalt
Post published:March 2, 2020
Post category:Personal/Family

Follow these eight tips to ensure that you get the most bang for your buck with your home safety and insurance coverages in 2020. Home security system If you don't have a home security system, you should seriously consider getting one to protect your hard-earned assets and home investment. The good news is that if you get one that is monitored by a central station, or that is tied directly to a local police station, you don't only protect your home, as you may also receive a discount on your homeowner's insurance premium. Install additional smoke alarms As with a…

Delicious Foods That Fight Diseases, Promote Health

Post author:Mark Kofalt
Post published:February 19, 2020
Post category:Personal/Family

While you should exercise to take care of your health, what you put into your body can have a great impact on how you feel and your overall general health. And as part of your efforts to stay healthy, you're also trying to stave off diseases, like heart disease, cancer and other issues that unhealthy foods can help usher in. WebMD recommends that you incorporate these foods into your diet for their many health benefits. Berries - These delicious little numbers contain antioxidants that help neutralize "free radicals" (cell-damaging molecules) that can lead to chronic diseases, including cancer and heart disease…

COVID-19 and Protecting Yourself and Your Family

Post author:Mark Kofalt
Post published:February 12, 2020
Post category:Personal/Family

As the COVID-19 corona virus spreads across the world and the number of cases grow in the U.S., there is a lot of hysteria and misinformation about how to protect yourself from this new strain. More and more people are wearing surgical masks when they go outside, thinking it will protect them, and some have even stopped drinking Corona beer because the disease is a coronavirus. This has left plenty of people not sure what they can do to avoid catching it themselves. To help, we've compiled best practices information from the Centers for Disease Control (CDC) and the World…