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Heading to College: What to Insure

Heading to College can be an exciting time for young people. It often serves as the first major step on the road to independence. For …

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Long-Term-Care Insurance Isn’t Dead. It’s Now an Estate-Planning Tool

Hybrid policies, aimed at affluent Americans, offer long-term-care benefits along with potential death benefits. Source:   WSJ 6.9.18 Last year, after finishing with college tuition …

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Beware of Ticks

Why This Year’s Tick Season Might Be the Worst in Years and How to Protect Yourself

The Year of the Tick. A tick(ing) time bomb is set to explode this season, in fields, forests and yards across the country, as we …

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Personal Lines trusts-llc

When Trusts and LLCs Hold Assets: The Hidden Risks

For many highly successful individuals and families, placing the ownership of assets such as homes, boats and other property into trusts and limited liability corporations (LLCs) makes a lot of sense. Whether for tax, privacy or other reasons, trusts and LLCs can be useful tools.

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‘Bomb cyclone’ blizzard: Are you prepared?

The  “bomb cyclone” blizzard  churning high winds and heavy snow onto the East Coast on Thursday could mean  big snowfall totals  and deep drifts for the New Jersey, New York and Philadelphia areas.

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Cyber Security Watching You

Hackers are getting everyone’s attention, even those that you might think as the best protected!

Imagine the Invisible Man, sitting on the armchair in your bedroom at night, watching you and listening to your private conversations. What could he do with that information? Blackmail you? Gain access to your online accounts? Jeopardize your privacy and safety? Certainly all this and more.

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Ambulance

Will You Be Able to Help Your College-Age Child in a Medical Emergency?

Moms and dads who still think of themselves as protectors and advisers, even after their children become legal adults, often don’t consider the real-world implications of that milestone birthday. They and their young-adult children need to think about the unthinkable in advance. Three forms—HIPAA authorization, medical power of attorney, and durable power of attorney—will help facilitate the involvement of a parent or other trusted adult in a medical emergency.

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Pokeman Game

Pokémon Go ~ Millions Give Up Personal Privacy and even Safety to “Catch Them All”

If you see grown men and women staring at their phones as they walk into police stations, churches or the backyards of strangers, you could be witness to the latest video gaming phenomenon to take the world by storm.

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Bedminster parade

Hundreds of flags to fly at Bedminster patriotic display

“This a great opportunity for members of our community to honor loved ones, show your patriotism and support a worthwhile local charity. A field of 200, seven-foot-tall American flags standing in solemn formation will be an awe-inspiring site.”

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How will you cover your Share of Liability above your Coverage Limits?

One myth about an umbrella policy is that it’s only needed by the wealthy.  These days the cumulative value of homes, vacation homes, rental property, cars, boats, savings, investments, and so on, owned by many people who don’t consider themselves wealthy, make them vulnerable to liability beyond their auto or homeowner’s insurance limits.  A good question to ask yourself is whether you have assets that you don’t want to put at risk in the event of a catastrophic liability.

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