Tips to reduce risk when shopping online

online-shopper

Cyber Monday, the Monday after Thanksgiving, has become the biggest online retail shopping day of the year. In 2012, Cyber Monday shoppers racked up $1.46 billion in sales, a new online record, according to comScore. Because of the explosive growth each year in online holiday sales, shoppers need to be extremely diligent in making digital purchases. Scammers with fake websites and emails are lurking out there to separate you from your money. Your identity is also at risk.


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When deer are in your headlights

deer-crossing-road

As the outdoor temperature gradually drops, deer activity and deer-vehicle accidents increase. Every year across the country, deer-vehicle accidents account for billions of dollars in vehicle damage, thousands of injuries and hundreds of fatalities. These tips can help you avoid a collision with a deer and stay safe while on the road.


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Winterize your driving

winter-driving-warning

Most of us understand the importance of preparing our vehicles for winter ̶  making sure tires are in good shape, wipers are good, brakes properly serviced and snow scraper in the car. We diligently address the mechanics in anticipation of expected winter extremes. But it’s just as important to prepare ourselves for winter driving. We must be ready to adjust our habits to better face the unpredictable challenges that often come with winter driving.


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How much life insurance do I need?

meet-life-agent

Once you have decided to purchase life insurance, the next question to answer is how much to purchase. Some people select coverage based on an arbitrary amount: $100,000 or $200,000. Others purchase enough to pay off a home mortgage or other major bill. And some stick to the tried-and-true measure of 10 times salary. But there are other methods to consider. You can complete a fact finder/needs list or use a life insurance calculator.


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