Home improvement: Contractor vs. do-it-yourself

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Should you do it yourself, or hire a contractor? This might not even have been a question a generation or two ago. In our grandparents’ time, most families had a skilled tradesperson such as a carpenter, plumber, electrician or bricklayer to turn to for assistance. The small neighborhood hardware store had few options, and the suppliers who carried fixtures and materials catered primarily to skilled contractors. But the increase in large home improvement retail centers allows today’s homeowner easy access to materials and product options to update your home and increase its value.


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Protect your utility with risk transfer

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The second quarter 2017 edition of Rural Water Magazine, a publication of the National Rural Water Association, features an article by Christopher Barger, national program director for Cincinnati’s utility services program. He explains why it’s important for operators of utility services to pay attention to contracts and risk transfer strategies.


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Life insurance can protect family from college debt

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As college graduates take the next step, one thing is often left out of the process – life insurance. Young adults often carry debt with them into the working world, whether from student loans, car loans or credit card debt. If you are a recent graduate, have you considered what could happen if you were no longer around to cover your loan payments? Would your loved ones struggle to make ends meet?


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