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I get A LOT of questions about life insurance. Most of the time the questions are "How do I get it?" and "Do I really need it?" More times than not, the first question is asked more frequently. Most people know that they need life insurance but are not sure how to get a policy or know what kind of life insurance they need. There are all types of life insurance. Many people see the ads on tv (usually about final expenses or no medical exams required, etc.) There can be a lot of confusion when it comes time to seek out life insurance because of the enormity of options. Let us try and understand WHY you need life insurance and what kind you really need.

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A comprehensive business insurance policy is a must for any business owner. But under what circumstances do you need to take another look at that policy and make important adjustments? Here are some instances when it would be a good idea to revisit your business insurance plan and add to, or change, your coverage.
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These days, especially during the COVID-19 pandemic when many work and school remotely, much of our lives is spent online. And social media is not just for young people anymore, different platforms have become the norm for all ages. Sure, it has its perks, such as catching up with people whom you might not otherwise get to visit with, but it can also be harmful if not used properly. Here are some things you can do to protect yourself online, plus a few tips specifically for teens.
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Babies and toddlers are a bit like puppies. They're curious. They don't have complete control of their bodies when they're still very young, and once they're mobile, look out! They put things into their mouths, and explore everything they can get their hands on. As a new parent, it's your job to minimize the risks around your home, so that your baby can play and explore without getting hurt... and without ruining the house.
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A few short months ago, many of us, and around the world, quickly learned that we were not prepared for an emergency. And while it didn't turn out to be the type of emergency we thought it was; there was really no need to buy all that toilet paper. It reminded us that we are not invincible, and that we really should have an emergency plan and supplies in place. If you haven't already put together your own emergency plan and supplies, it's not too late. Take the following steps to make sure your family is prepared.
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Technology-enhanced homes in Kentucky are the wave of the future, but many people might not understand how smart home technology works, believe they can afford it, or know whether or not it's worth the investment. While there certainly are complete smart home systems available, you don't necessarily have to go all in or spend a ton of money in order to take advantage of some of the most practical innovations smart home technology has to offer.
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For business owners, operating during a pandemic is complicated to say the least. You want to do the right thing by your staff and customers, without losing the business you love. In many cases, there is a lot you can do to make patronizing and working at your business safer for everyone.
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This fall, we're heading into an unknown future with the COVID-19 virus. While some schools are doing their best to re-open, other schools and some parents have decided it's best for kids to stay home, at least for now. As adults, we know how to social distance, wash our hands, and do whatever we can to minimize our risk of infection, but these practices are harder to enforce with kids and teens. Whether or not your kids are going back to school in the fall, here are some things you can do to keep them healthy.
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So your business has grown enough that you have full time employees and want to start offering benefits, including paid time off. How do you craft a vacation policy that works for you, your business and employees? There's not a one-size-fits all solution, but here are some things to think about and tips for getting started.
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In some areas of the country, having an air conditioner is an absolute necessity. But in other areas, such as in the Rocky Mountain Regions, staying cool indoors takes some diligence and effort. Whether your home is equipped with AC or not, here are some things you can do to keep your spaces cooler this summer.
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