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Sun Safety: Take It Seriously


sun-safetyNext week is National Sun Safety Week. As we head into the summer months, it’s a good idea to make sure you understand the steps necessary to protect your family from the long-term skin damage and health risks of unprotected exposure to the sun.



  • While it’s important to protect your skin even on cloudy days, you should be aware of and understand the level of risk every day. Check the EPA daily UV Index forecast to understand your risks and plan your daily outdoor activities.

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Reverse Mortgages: Things You Need To Consider


ReverseMortgagesThere are lots of TV commercials presenting reverse mortgages as the perfect solution for seniors who want to supplement their retirement income. That may be true for some folks. But there are aspects of reverse mortgages that could result in financial nightmares if not understood and carefully considered in advance.

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Avoiding Water Damage from Your Washing Machine


Basement-FloodingThe Institute for Business and Home Safety conducted a study of homeowners’ insurance claims from water damage caused by washing machines that revealed:

  • Washing machine-related failures are one of the top 10 leading sources of residential water damage.
  • These failures cost an average of $5,308 per incident after the deductible was paid.
  • Failures of supply hoses accounted for more than half of all washing machine-related losses.
  • Of the water supply hose failures resulting in water loss claims, 78% involved washing machines that were less than 11 years old. Of these failures, 54% occurred in washing machines between eight and 10 years of old.
  • Approximately 6% of all washing machine failures occurred in unoccupied homes.
  • Failures that occurred in unoccupied homes resulted in claims that were on average nearly two-and-a-half times more severe than those occurring in occupied homes.

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How to Select a Home Security System


securitysystemThere’s a home burglary in the U.S. every 15 seconds.

And believe it or not, the main point of entry is usually through the front door during the day.

Deadbolts do help (and can earn you insurance discounts), but a security system is a far better deterrent to thieves. So here are some tips on how to pick the right one for you and your family: Read the rest of this entry »

Do you take password security seriously?


passwordSecurityAnswer a simple question: When was the last time you changed any of the passwords you use online (other than on a timetable required by your employer)? If you answered, “It’s been years,” you’re in the company of an awful lot of people.


Another question: Are you using the same password on multiple sites? (Again, if you are using the same password numerous places, you’ve got lots of company.)


Given the dire warnings about hackers stealing identities, credit cards, and other financial assets, why is it that so many people continue to ignore the simple security measures they should be taking? Read the rest of this entry »

Using Your Car to Make Some Extra $? Know the Insurance Issues.


ridesharingAn increasingly popular way to make a little extra money to supplement income is by using your car. BUT, before you put your personal car to work for you, you need to know if your current insurance policy will cover what you are doing with your car.




You decide to drive for Uber, Lyft or SideCar. These Transportation Network Companies (TNCs) use a cell phone application to electronically “hail a ride” for a fee. While on-duty for the TNC, you have your cell phone application on awaiting a customer. You are paid by the TNC for providing the ride. Read the rest of this entry »

Ransomware – What You Should Know


Internet security 07Recently you may have noticed news items about local police departments paying ransom to unlock the data in their computers. It’s a growing cyber problem and it’s not limited to police departments or small businesses. It can happen to anyone. Here’s the basics that you should know:


First: What is Ransomware

Ransomware is a type of malicious software designed to block access to a computer system until a sum of money is paid. Read the rest of this entry »

Tips on Repairing Ornamental Trees and Shrubs Damaged by Snow


broken limbThe winter in the Boston area was one of the worst in recent memory. And as so many of us are dealing with damage to our homes from ice dams, the melting snow has uncovered more victims: the ornamental trees and shrubs that surround our homes. The weight of 108+ inches of snow (more where plowed snow was added) has taken its toll.


So here are a few tips on evaluating damage and potentially saving your ornamental trees and shrubs this spring: Read the rest of this entry »

How to Avoid Buying a Stolen “Cloned” Car


Good Car Bad Car – HPI CheckThe National Insurance Crime Bureau (NICB) is warning consumers to be careful when buying a used vehicle, especially one that’s priced “too good to be true.”


In a car cloning scam, car thieves take the VIN (vehicle identification number), license plate number, and other tags and stickers from a legal car and put them on a stolen car of a similar make and model. There are even cases of legitimate car dealerships being scammed when they take a car in trade, too. So don’t assume when you buy a used car through a dealer that it couldn’t possibly be a stolen car. Read the rest of this entry »

Picking a Contractor for Home Repairs After This Tough Winter


ConstructionContractAgreementIt has been such a tough winter on homes throughout New England. Ice dams and heavy loads of snow on roofs have contributed to extensive damage. So it’s no surprise that building contractors are in high demand.


If you’re having difficulty finding a firm that can complete your repairs, just make sure you don’t compromise on finding a qualified contractor to complete the work. Here are tips from the FTC that can help:

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