Recent Posts

  1. Eliminating Indoor Air Pollution

    by Cameron Bramwell

    Americans spend approximately 87 percent of their time indoors, according to the U.S. Department of Energy. Since air circulation is often restricted inside, it is speculated that indoor pollutants are far worse for humans than poor outdoor air quality. In fact, the U.S. Department of Energy claims that indoor pollutant levels are potentially 100 times […]

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  2. Cash Value Life Insurance

    by Cameron Bramwell

    Many people who buy life insurance do so to protect their family, however they can also add value to their diversified financial portfolio. It can supplement a number of different financial goals in addition to providing death benefit protection. Cash value life insurance is a type of life insurance that offers great flexibility. It can […]

  3. Automobile Policy Coverage Summary

    by Cameron Bramwell

    BI? UM? If you are trying to make sense of your automobile insurance options and the limits that you need, we can help. We’ve covered the basics to help you read and understand your coverage options and policy language. Comprehensive and Collision Collision – Covers damage to your car when your car hits, or is […]

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  4. IRS Updates

    by Cameron Bramwell

    Category: Insurance

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    IRS Releases Draft Forms for Health Coverage Reporting On July 24, 2014, the Internal Revenue Service (IRS) released draft forms for employer reporting of health coverage. These draft forms are intended to prepare stakeholders (such as employers) for new reporting provisions under Internal Revenue Code Sections 6055 and 6056. Because these forms are drafts, they […]

  5. 8 Ways to Stop Cybercriminals from Attacking Your Small Business

    by Cameron Bramwell

    Outsource payment processing. Avoid handling card data on your own. Reputable vendors, whether it’s for Point-of-Sale or web payments, have dedicated security staff that can protect that data better than you can. Separate social media from financial activity. Use a dedicated device for online banking. Use a different device for email and social media. Otherwise, […]

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  6. September is Life Insurance Awareness Month

    by Cameron Bramwell

    What if you were no longer around and your family had to manage on their own? Would they be financially protected? If the answer is no, it is time to purchase life insurance; if you already have life insurance, it may be a good idea to check your coverage limits to ensure your family would […]

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  7. Avoiding Condo Coverage Gaps

    by Cameron Bramwell

    Category: EducationInsurance

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    If you own a condominium, you have both common and personal insurance needs. When selecting coverage, it’s important to determine exactly what is covered by your association’s master policy and what is not. Typically, the condo association carries a master policy that covers common areas, such as the lobby, walkways, boiler, basement, etc. In most […]

  8. Long-Term Care Insurance

    by Cameron Bramwell

    What is Long-Term Care Insurance? It is designed to help pay for long-term medical and non-medical services that would otherwise be paid out-of-pocket.  Some policies cover nursing home care, while others include coverage for an entire range of services such as care in an adult day care center, assisted living, medical equipment and formal and […]

  9. Sewer Backup Coverage

    by Cameron Bramwell

    Planning for the Unexpected If your home is your castle, the last thing you want to do is to come home to discover raw sewage seeping into your home’s basement or a toilet overflowing from you second-floor bathroom due to a broken sewer line. Both can create major and costly damage, but the good news […]

  10. Healthy Portion Sizes

    by Cameron Bramwell

    Category: Food

    Tags:

    Did you know that in the 1980s, a typical bagel had 140 calories and a 3-inch diameter? Today, a bagel averages 6 inches and is a whopping 350 calories! With 64-ounce fountain drinks, jumbo-size snacks, massive restaurant entrees and the ability to “up-size” fast food for pennies more, it is easy to get confused about […]