As if flood insurance weren’t complicated enough, the whole rating process is changing again as of October. Elevation certificates won’t be required any longer, but knowing the elevation of your first floor will become very important. Replacement cost and construction type (frame or brick) will be used as part of the calculation, as well as […]
You made a mistake – an expensive one. You are flooded with embarrassment, anger, disgust, guilt, sadness, or some combination thereof. Are you a bad person for making a mistake? You probably feel that way, but the answer is no. If making a mistake made us all bad people, there would be no goodness in […]
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By Jennifer Hearne We all can agree it’s easy to lose track of time and miss a deadline, forget a meeting or allow household chores to pile up. Poor time management makes us miss out on the extra things in life that spark joy as we spend valuable time catching up. As a wife, mother […]
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In my practice, I often see clients who are in crisis. The recent COVID-19 pandemic and recent world events have left everyone’s sense of stability and temper on edge. Whether it is a divorce, the death of a family member, a family member with dementia, a financial crisis or a family fight, inflamed emotions often […]
Homeowners or renters insurance can protect you from devastating financial loss should some catastrophe occur. Within your home or apartment, however, your personal property is likely what you cherish most. Protecting your possessions from loss is financially and emotionally important. You must make sure that you have the right amount of coverage for your belongings […]
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I often find the misconception among unmarried people and those without children that they do not need life insurance. That could not be further from the truth. With the policies available these days, life insurance is about much more than simply providing a death benefit for those you leave behind. Here are some of the […]
Growing up, many of us heard, “You can have whatever you want, as long as you work hard for it.” So, what does that mean? Does it mean find a good job, earn good money and then buy what you want? No, that’s not what it means — but that’s what many of us do […]
