Insurance Monthly headlines en-us Copyright 2007 Liberty Publishing. All rights reserved. http://www.frankey.com 60 Fri, 22 Jan 2010 14:55:36 PST Fri, 22 Jan 2010 14:55:36 PST sfl According to a 2008 study conducted by the Association of Certified Fraud, U.S. businesses lose about 7% of their annual revenues to fraud. This equates to a staggering $994 billion loss each year nationwide to employee fraud.  Down To Business http://www.siteforless.com/newsletters/?QID=114&tokenID=c7134e2bf3319c36a39316efa1e9dd9c337 http://www.siteforless.com/newsletters/?QID=114&tokenID=c7134e2bf3319c36a39316efa1e9dd9c337 Fri, 22 Jan 2010 14:55:36 PST In the U.S. today, one result of corporate downsizing, is that there are many independent contractors in the marketplace. After picking themselves up off the ground and dusting off their overcoats, many former members of "Corporate America" have struck out on their own. Down To Business http://www.siteforless.com/newsletters/?QID=114&tokenID=c7134e2bf3319c36a39316efa1e9dd9c337 http://www.siteforless.com/newsletters/?QID=114&tokenID=c7134e2bf3319c36a39316efa1e9dd9c337 Fri, 22 Jan 2010 14:55:36 PST Most business managers and owners are well aware of the threat of loss from outsiders, and use a variety of methods to reduce this risk. Down To Business http://www.siteforless.com/newsletters/?QID=114&tokenID=c7134e2bf3319c36a39316efa1e9dd9c337 http://www.siteforless.com/newsletters/?QID=114&tokenID=c7134e2bf3319c36a39316efa1e9dd9c337 Fri, 22 Jan 2010 14:55:36 PST When preparing for winter's arrival, most people immediately think of snow tires and protection from wet and icy roads. But what about your home?  Personal Protection http://www.siteforless.com/newsletters/?QID=115&tokenID=afbd631cf9141a00f7a8971259a56d86337 http://www.siteforless.com/newsletters/?QID=115&tokenID=afbd631cf9141a00f7a8971259a56d86337 Fri, 22 Jan 2010 14:55:36 PST No driver can afford to be without automobile insurance, but it can be difficult to know how much coverage you really need. These days most states require that all drivers purchase car insurance, and in states where coverage is mandated there is a minimum coverage threshold that must be met. Personal Protection http://www.siteforless.com/newsletters/?QID=115&tokenID=afbd631cf9141a00f7a8971259a56d86337 http://www.siteforless.com/newsletters/?QID=115&tokenID=afbd631cf9141a00f7a8971259a56d86337 Fri, 22 Jan 2010 14:55:36 PST As the housekeeper is vacuuming your living room, she trips over one of your daughter's toys and seriously injures her back. Personal Protection http://www.siteforless.com/newsletters/?QID=115&tokenID=afbd631cf9141a00f7a8971259a56d86337 http://www.siteforless.com/newsletters/?QID=115&tokenID=afbd631cf9141a00f7a8971259a56d86337 Fri, 22 Jan 2010 14:55:36 PST Many people, when thinking of life insurance, imagine that it is something for the young only. They believe that life insurance is a tool best used by newlyweds with mortgages, parents of young children, and spouses who are both employed. Life & Employment http://www.siteforless.com/newsletters/?QID=132&tokenID=772d8a5f6a0ee0e541e444c8c18c9c83337 http://www.siteforless.com/newsletters/?QID=132&tokenID=772d8a5f6a0ee0e541e444c8c18c9c83337 Fri, 22 Jan 2010 14:55:36 PST Harvard researchers recently found that 62% of the personal bankruptcies filed in 2007 were caused by exorbitant medical expenses. As an added sting, more than half the people who filed actually had health insurance coverage at the time. Life & Employment http://www.siteforless.com/newsletters/?QID=132&tokenID=772d8a5f6a0ee0e541e444c8c18c9c83337 http://www.siteforless.com/newsletters/?QID=132&tokenID=772d8a5f6a0ee0e541e444c8c18c9c83337 Fri, 22 Jan 2010 14:55:36 PST As the stock market has endured several difficult years, many people have quickly realized their tolerance for risk is not as high as they originally believed. In fact, at this time, you may be searching for a place to set aside money that is safer and more secure than stocks. Life & Employment http://www.siteforless.com/newsletters/?QID=132&tokenID=772d8a5f6a0ee0e541e444c8c18c9c83337 http://www.siteforless.com/newsletters/?QID=132&tokenID=772d8a5f6a0ee0e541e444c8c18c9c83337 Fri, 22 Jan 2010 14:55:36 PST Millions of Americans today are neck-deep in debt due to unpaid credit card bills. For this reason, a lot of people believe credit cards have become a necessary evil in our present society. Financial Planning http://www.siteforless.com/newsletters/?QID=133&tokenID=72417fad0e5a3bc1b7e8392617ad556d337 http://www.siteforless.com/newsletters/?QID=133&tokenID=72417fad0e5a3bc1b7e8392617ad556d337 Fri, 22 Jan 2010 14:55:36 PST Not only does an estate plan ensure that your assets are properly divided among your heirs, it also protects your family from taxes, court costs and attorney fees. Financial Planning http://www.siteforless.com/newsletters/?QID=133&tokenID=72417fad0e5a3bc1b7e8392617ad556d337 http://www.siteforless.com/newsletters/?QID=133&tokenID=72417fad0e5a3bc1b7e8392617ad556d337 Fri, 22 Jan 2010 14:55:36 PST Seniors today are among the richest generation in history. During the next few decades many of their children and grandchildren stand to inherit a substantial amount of money. Financial Planning http://www.siteforless.com/newsletters/?QID=133&tokenID=72417fad0e5a3bc1b7e8392617ad556d337 http://www.siteforless.com/newsletters/?QID=133&tokenID=72417fad0e5a3bc1b7e8392617ad556d337 Fri, 22 Jan 2010 14:55:36 PST As employers search for ways to contain employee benefit plan costs, many are undertaking dependent eligibility audits. Employee Benefits http://www.siteforless.com/newsletters/?QID=201&tokenID=85acece67f6d7cc1d1a5af7e2abbba9e337 http://www.siteforless.com/newsletters/?QID=201&tokenID=85acece67f6d7cc1d1a5af7e2abbba9e337 Fri, 22 Jan 2010 14:55:36 PST From the beginning, the United States has been a multi-cultural nation. As immigrants streamed into the U.S. through the gates of Ellis Island, they brought their culture and languages along with them, earning America the nickname, The Melting Pot. Employee Benefits http://www.siteforless.com/newsletters/?QID=201&tokenID=85acece67f6d7cc1d1a5af7e2abbba9e337 http://www.siteforless.com/newsletters/?QID=201&tokenID=85acece67f6d7cc1d1a5af7e2abbba9e337 Fri, 22 Jan 2010 14:55:36 PST In the U.S. today, employee benefits constitute a significant portion of an employee's total compensation. Employee Benefits http://www.siteforless.com/newsletters/?QID=201&tokenID=85acece67f6d7cc1d1a5af7e2abbba9e337 http://www.siteforless.com/newsletters/?QID=201&tokenID=85acece67f6d7cc1d1a5af7e2abbba9e337 Fri, 22 Jan 2010 14:55:36 PST In the face of the worst recession in a generation, it seems inevitable that employer-sponsored pension plans will go the way of the buffalo. Seniors http://www.siteforless.com/newsletters/?QID=222&tokenID=c274a17f4063f29615c9b5e0d1e217e0337 http://www.siteforless.com/newsletters/?QID=222&tokenID=c274a17f4063f29615c9b5e0d1e217e0337 Fri, 22 Jan 2010 14:55:36 PST There is nothing like enjoying what you're doing; it spells the difference between being happy with your job or not. Seniors http://www.siteforless.com/newsletters/?QID=222&tokenID=c274a17f4063f29615c9b5e0d1e217e0337 http://www.siteforless.com/newsletters/?QID=222&tokenID=c274a17f4063f29615c9b5e0d1e217e0337 Fri, 22 Jan 2010 14:55:36 PST At some point in their lives, 60% to 70% of 65-year-olds in the U.S. will require long-term care services. Seniors http://www.siteforless.com/newsletters/?QID=222&tokenID=c274a17f4063f29615c9b5e0d1e217e0337 http://www.siteforless.com/newsletters/?QID=222&tokenID=c274a17f4063f29615c9b5e0d1e217e0337 Fri, 22 Jan 2010 14:55:36 PST Although we may not often think about it, our ability to hear is a valuable asset. We hear soft, pleasant sounds such as whispers and music, and we hear loud noises such as those made by heavy equipment. Workplace Safety http://www.siteforless.com/newsletters/?QID=223&tokenID=2a4eb95cef0c6ce0aec089e8f8cf98cc337 http://www.siteforless.com/newsletters/?QID=223&tokenID=2a4eb95cef0c6ce0aec089e8f8cf98cc337 Fri, 22 Jan 2010 14:55:36 PST If you revisit some of the lessons learned in basic high school science classes, you will probably remember that 78 percent of the air we breathe is nitrogen gas. If you think a little more, you may also recall that nitrogen is only safe to breathe when mixed with the right amount of oxygen. Workplace Safety http://www.siteforless.com/newsletters/?QID=223&tokenID=2a4eb95cef0c6ce0aec089e8f8cf98cc337 http://www.siteforless.com/newsletters/?QID=223&tokenID=2a4eb95cef0c6ce0aec089e8f8cf98cc337 Fri, 22 Jan 2010 14:55:36 PST Everyone is well aware that drinking and driving is a dangerous combination, but we also need to recognize that drinking and/or using drugs in the workplace is equally hazardous. Impaired workers may not be able to concentrate on the task at hand. Depending on your job function, an error could cause injury or even death to yourself or a co-worker. Workplace Safety http://www.siteforless.com/newsletters/?QID=223&tokenID=2a4eb95cef0c6ce0aec089e8f8cf98cc337 http://www.siteforless.com/newsletters/?QID=223&tokenID=2a4eb95cef0c6ce0aec089e8f8cf98cc337 Fri, 22 Jan 2010 14:55:36 PST Lawsuits are a common occurrence in our litigious society. An effective way to limit your liability is to specify your responsibility in a contractual relationship. Construction http://www.siteforless.com/newsletters/?QID=266&tokenID=dee8e8b7744f775507459ecf04562a33337 http://www.siteforless.com/newsletters/?QID=266&tokenID=dee8e8b7744f775507459ecf04562a33337 Fri, 22 Jan 2010 14:55:36 PST Commercial general liability insurance pays for lawsuit settlements or court judgments that an organization would otherwise have to pay for certain types of harm others suffer. Construction http://www.siteforless.com/newsletters/?QID=266&tokenID=dee8e8b7744f775507459ecf04562a33337 http://www.siteforless.com/newsletters/?QID=266&tokenID=dee8e8b7744f775507459ecf04562a33337 Fri, 22 Jan 2010 14:55:36 PST According to the U.S. Occupational Safety and Health Administration, 969 construction workers suffered fatal injuries while on the job in 2008, almost one-fifth of all U.S. workplace fatalities that year. Construction http://www.siteforless.com/newsletters/?QID=266&tokenID=dee8e8b7744f775507459ecf04562a33337 http://www.siteforless.com/newsletters/?QID=266&tokenID=dee8e8b7744f775507459ecf04562a33337 Fri, 22 Jan 2010 14:55:36 PST In November 2009, President Obama signed the Worker, Homeownership, and Business Assistance Act of 2009 which included an extension of the original $8,000 first-time home buyer tax credit and also created a new, $6,500 credit for current homeowners buying a new home. Inside Real Estate http://www.siteforless.com/newsletters/?QID=315&tokenID=c3493ca53c747d808ea9262fe2b14555337 http://www.siteforless.com/newsletters/?QID=315&tokenID=c3493ca53c747d808ea9262fe2b14555337 Fri, 22 Jan 2010 14:55:36 PST When it comes to qualifying for a low interest home loan, your credit score is of vital importance. Not only does your credit score determine which type of loan you qualify for, but it will often dictate the level of interest rate the lender is willing to offer. Inside Real Estate http://www.siteforless.com/newsletters/?QID=315&tokenID=c3493ca53c747d808ea9262fe2b14555337 http://www.siteforless.com/newsletters/?QID=315&tokenID=c3493ca53c747d808ea9262fe2b14555337 Fri, 22 Jan 2010 14:55:36 PST If you are in the market for a new home, and are starting to narrow down your options to one particular house, then you should strongly consider getting a quality home inspection. Inside Real Estate http://www.siteforless.com/newsletters/?QID=315&tokenID=c3493ca53c747d808ea9262fe2b14555337 http://www.siteforless.com/newsletters/?QID=315&tokenID=c3493ca53c747d808ea9262fe2b14555337 Fri, 22 Jan 2010 14:55:36 PST