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The Best Valentine's Day Gift You Can Give

Most people spend a great deal of time looking for the perfect gift to give their loved one for Valentine's Day. It's often difficult to decide what might be the most romantic or creative gesture, yet research has uncovered some interesting information about gift giving. In one recent study, it was shown that gift givers generally attempt to give a present that will make the recipient immediately happy, but the recipients didn't actually care about this. Instead, they expressed a desire for something that would be useful when they actually owned and needed to use it.

Keeping this in mind, it's easy to see that many of our initial ideas for gifts could be immediately discarded. Yet, what if you could find a gift that was truly an expression of your love by giving your partner or spouse financial security and peace of mind, if you weren't able to be there to take care of them?

Although a life insurance policy could never replace you, it could take care of the one you love by taking care of their living expenses, debts, or even their retirement. When you buy a life insurance policy, you can share the gift of peace of mind.

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What is D&O Insurance and Who Needs it?

D&O Insurance (or Directors and Officers Insurance) is a type of liability insurance policy that covers directors and officers for claims made against them, as they serve in their official capacity. Coverage is for claims which may arise from managerial decisions that have had harmful consequences, such as those resulting from failure to comply with laws or regulations, misrepresentation or reporting errors. In short, it is basically liability insurance for management errors and omissions.

Other covered risks may result from employment or HR practices, mergers and acquisitions, insolvencies, or creditor claims, to name a few. Not many people would want to accept these as their personal financial risks when they're serving in a management position.

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Pet Health Insurance for Your Four-legged Friends

Humans love their pets the same way as they do their children, and the feeling is mutual. In fact, Americans spend approximately $52 billion per year on their pets. Typically, American households spend more on their pets each year than on alcohol, phone bills, and clothing.

You may visit the veterinarian on a fairly regular basis if you have a dog, cat, or other pet, and the medical bills can really add up. Most pet owners who responded to a recent survey stated that they would be willing to spend any amount to save their ill or injured pet. Yet, the cost of treatment for a pet who is seriously sick or injured and requires major surgery or an extended hospital stay could run thousands of dollars, and might be the difference between a successful or unsuccessful outcome.

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Safety Tips to Keep the Glow of Your Christmas Tree from Becoming a Fire

Most people look forward to the tradition of choosing and decorating a Christmas tree each year. Trimming the tree with beautiful ornaments, garlands, and festive holiday lights is a joy. Although a Christmas tree may be a wonderful addition to your home for the holidays, it can also be a fire hazard.

In fact, Christmas trees are the cause of hundreds of fires each year. Often, shorts in electrical lights or open flames from candles start tree fires, and a tree that catches fire can rapidly grow large. Although a dry and neglected tree can cause serious risks, a well-watered tree will prevent problems.

A few simple precautions can help you enjoy the beauty of your tree without the worry of fire risks to you, your family and your home.

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The Benefits and Risks of Self-Driving Automobiles

94% of crashes are related to human choice or error, and over 35,000 people died last year because of them. Because many of these accidents were preventable and frequently due to distracted driving, there has been a push toward a solution to make driving safer.

To this end, self-driving cars are being tested in Florida, and there is a lot of interest in the possibilities, and debate over whether they will increase safety. Below are listed some of the ways it is believed that these self-driving cars will reduce the number of automobile accidents each year.

 

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What is Specialty Insurance?

Specialty insurance is common for those with special, unusual or difficult insurance needs, or for higher risk accounts. These policies may be for personal items or events, or can be of a commercial nature for the business owner, his business, and commercial property.
Certain personal items such as jewelry, valuable collectibles, or guns may require the additional protection that a specialty policy can provide. Additionally, certain events such as an unforeseen wedding postponement, trip cancellation, or identity theft could be protected by specialty insurance coverage.

Many businesses utilize commercial specialty insurance for various reasons. For example, a fireworks manufacturer might be considered high risk and have an added potential for higher claim exposure, therefore requiring special coverage. A commercial trucking company might need specialty insurance for their trucks as well as their cargo. Additionally, certain industries such as construction companies, are known for experiencing frequent claims and lawsuits. Industries like these may also need a specialty insurance policy.

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Tech Pirates

The amazing technological advances of today’s modern age has changed our everyday life and especially our business practices. There is not a business out there that does not use a computer at some point in their regular process. We are utterly dependent upon them. Because of this, today’s modern criminal has also adapted. I think of them as “Tech Pirates”. Just like back in the days of old, on the high seas, pirates attacked a ship, breached security, stole everything they could, and often held hostage the ship, crew, and anyone else on board. Their goal was profit. Today, Tech Pirates attack us at home and at work, and They are VERY good at it. Billions of dollars are stolen every year through cyber-attacks and data breach.

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