RPM Agency

Business Owners, Do You Know What Cyber Insurance Covers (and Why You Need It)?

Tue, 27 Jun 2023 15:59:00 GMT

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Taking Proactive Steps to Protect your Home

Mon, 28 Jun 2021 19:54:00 GMT

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Restoring the Most Basic Element of Freedom

Mon, 28 Jun 2021 19:48:00 GMT

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The Devastating Impact of Cyberattacks on Small Business

Fri, 25 Jun 2021 17:01:00 GMT

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Can I Get Home Insurance without Cutting Down All of My Trees?

Fri, 25 Jun 2021 15:43:00 GMT

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Are You Covered

Fri, 25 Jun 2021 15:03:00 GMT

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New Year: New Thinking

Mon, 11 Jan 2021 16:45:00 GMT

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Support Local Businesses

Fri, 11 Dec 2020 18:34:00 GMT

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The Gifts of 2020

Thu, 03 Dec 2020 18:31:00 GMT

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Customize Your Coverage to Protect Your New Business Model

Sat, 12 Sep 2020 18:23:00 GMT

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We are so fortunate!

Tue, 11 Aug 2020 18:37:00 GMT

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Protecting Our Community Through Forest Management

Sat, 11 Jul 2020 18:35:00 GMT

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RPM Agency – Risk Protection Management

Thu, 11 Jun 2020 18:27:00 GMT

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Is it Time to Re-Evaluate Your Coverage?

Fri, 03 Apr 2020 18:29:00 GMT

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Jeffco Fire Mitigation Task Force

Thu, 05 Mar 2020 18:33:00 GMT

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Fender Bender? Take These Key Steps after an Accident

Tue, 26 Nov 2019 08:11:00 GMT

Even the best drivers are at risk of fender benders. With so many variables on the road, accidents happen. In the U.S. alone, an average of 6 million accidents occur each year. If you are among this number, it’s important to know the steps to take. If you find yourself in a car crunch, follow these procedures:

Immediately: If you can safely exit your vehicle, quickly snap photos which show the positioning of the vehicles, lanes, license plates etc. as best you can.

Clear the Roadway: If possible, pull your vehicle to the side, out of traffic, but in a safe, public place. Use caution when engaging the other driver if you suspect road rage is involved. If the other driver(s) are uncooperative or leave the scene you already have their vehicle description and license plate number in your photos.

Damage assessment: Exit your vehicle and find out if anyone is hurt and call 911 if medical assistance is needed. After personal injuries are evaluated, assess the damage to the vehicles. Take additional pictures to document any damage.

Information gathering: Call your agent FIRST–Not your Insurance Carrier. Even If you were not at fault, you will go on record with an accident and it will count against you. Talk it through with your agent, who is also your advocate, to obtain repairs of any damage to your vehicle when someone else was at fault. Speaking directly with your agent will keep your name from the insurance company’s records.
If you have a dash camera, save the recording of the incident. Record the names of everyone involved. Try to get witness information, if possible. Include in your records the car registration, insurance information, car make and model, and license information for all drivers involved. If you hit a parked car, don’t leave the scene before finding the owner. If you cannot locate the owner, record the details of the accident and leave a note with your contact information. If your agent hasn’t provided you with an Accident Form to keep in your car, request one for future incidents. Providing an Accident Form to all insured is standard practice for comprehensive agents.

Police notification: Contact law enforcement to alert them of the accident, especially If it is an ugly situation and they need to come to control the scene. If anyone is at fault, and/or you need “proof” of fault, your agent can help get you law enforcement’s information for a police report. Document the names and badge numbers of any officers involved. You may also be able to file a report online.

Claim process: If you are not at fault, do NOT notify your insurance carrier. Again, if you are not at fault, do NOT notify your insurance carrier. You don’t want to be on record and cause your premiums to increase. If you are at fault, the other party’s insurance company will notify yours with the claim. Just remember, call your agent first to talk through the best way to move forward that will be the least costly.

By following the procedures above, you will have all the information and documentation you need to make this process as smooth as possible.

If you are involved in a minor incident such as scraping a fence or bumper (especially if it is between family members or friends), it is always better to find out first what the costs are BEFORE you announce to the insurance company any damages to a piece of property they have a vested interest in. Once you alert them with a phone call, whether you decide to file the claim or not, it will go on your record. Remember– in Colorado (and most states), your incidents and claims are on your record counting against you for five years.

Life happens fast…protect what matters most.

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Wildfire in Evergreen: We Are Blessed, but Vigilant

Thu, 03 Oct 2019 20:23:00 GMT

There is a saying, “If you’re blessed enough to live in the mountains, you are blessed enough.” Those of us who call the Evergreen area home would agree with that bit of wisdom. We live our lives encapsulated in this idyllic mountain setting, jagged peaks, forested hillsides, a whole meadow named for the iconic Elk we are all so proud of, and a quietly spectacular climate.

We have certain days of heavy snow, which are not as heavy as we like to claim, but for the most part we are looking at blue skies, low bug count and occasional shirtsleeve weather in the middle of winter. Our one eminent danger that we wisely guard against, is wildfire . It can start without warning, and though we relish our notorious lack of humidity, the dry conditions can prove dangerous as a hot summer stretches out before us.

Many insurance carriers have become hesitant, or even refused to cover homes in our area due to the fire danger. They instruct homeowners to remove trees within 30 feet and even up to 100 feet of a structure, in essence clear the land of anything that could catch fire. The truth is that a well-informed insurance agent, who lives in this area and deals with the same concerns we all deal with, should be able to offer alternatives to destroying the beauty of our properties in order insure our homes.

Say hello to Michele Robbins, and Kristin Robbins of RPM Agency where they get personally involved with their clients to fully appreciate their needs. They are an independent brokerage allowing them to find the best coverage for your individual circumstances.

“We understand that fire is a real concern,” Michele says, “and we take it seriously.” The RPM agency hosts several Fire Prevention Seminars throughout the year in tandem with local Volunteer Fire Departments. “When we are preparing a personal insurance plan for a new client,” explains Michele, “we insist they attend one of these seminars where they will learn about fire retardant materials for their home. We use the expertise of our fire departments to teach people what they can do to make their mountain properties easier to defend against fire.”

As always, the RPM Agency’s stated purpose is “to help people and businesses protect what is most important to them,” and they live by these words. Michele and Kristin are committed to providing genuine care for their clients by giving them access to the knowledge that may one day save their home and property.

At the RPM Agency they like to say, “Life happens fast … protect what matters most.” What matters most to them is you and your peace of mind.

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Boat Insurance Basics You Need to Know

Thu, 12 Sep 2019 10:23:00 GMT

A spin around the lake or a cruise down the river can be a great way to spend a balmy afternoon. Just make sure you have the necessary coverage to protect your boat (and your wallet).

The type and amount of boat insurance you need depend on the kind of vessel you own and how you use it. Simple craft such as kayaks, smaller sailboats, and small powerboats may be covered by your homeowner’s policy. Larger, more powerful vessels such as yachts and Jet Skis require separate coverage.

A boat insurance policy typically covers damage to the boat itself, theft, and general liability. Additional coverage, including protection for trailers and boating accessories, may also be available.

These insurance policies typically offer one of two types of coverage: actual cash value or agreed amount value. Actual cash value pays for the cost of replacement minus the depreciation of the boat. Agreed amount value policies pay the total that you and your insurer have agreed upon as the value of the vessel. Under this coverage, old items are replaced with new without subtracting depreciation.

As a boat owner, you may be eligible for discounts to your insurance premiums. Common discounts include those for multiple policies with the same provider, safety equipment onboard the vessel, and crew’s completion of safety education courses. Remaining claims-free for a certain period of time may also qualify you for a discount.

In addition to obtaining proper insurance, maintain best practices to protect your boat and its passengers. Equip your vessel with proper lighting, an emergency signal (horn, whistle, or bell), and life jackets. Stock your boat with an emergency kit that includes fresh water, a flashlight, a radio, flares, tools, and a first aid kit, and keep a fire extinguisher readily accessible. Lastly, always adhere to marine traffic laws.

Not sure if you have the coverage you need for your boat? Give us a call to review your current coverage and discuss the options available. We’ll make sure you and your vessel are well protected the next time you set sail.

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Should You Join the Subscription Movement?

Mon, 09 Sep 2019 13:15:00 GMT

Have you considered a subscription model for your business? With a subscription, customers receive regular deliveries of products or services rather than placing individual orders.

Why would you want to offer a subscription? The subscription model offers benefits for both you and your customers.

Subscription Model Benefits

For starters, the subscription model provides a predictable income stream. Knowing that you can count on a certain amount of revenue each month enables you to better manage cash flow, inventory, and resource allocation.

Because subscription billings are automatically deducted from clients’ accounts, you also eliminate the cost and hassle of collections.

Another benefit is the opportunity to upsell. As you evolve your relationship with subscribers, you build brand loyalty and learn more about your customers.

This enables you to offer additional services targeted to their specific needs. These may be ancillary services, premium services, or discounts for longer-term subscriptions.

Finally, the subscription model provides data that you can use to keep track of recurring revenue, conversion rates, return on advertising investments, and much more.

Getting Started

The first step to adopting a subscription model is to design a version of your service with a standardized package of features that can be delivered each payment cycle. It’s a good idea to offer several options.

You may also want to consider offering free trials when you’re first starting out, to encourage early adopters.

Additionally, make sure the platform you are using supports automatic billing via credit card and the ability to collect customer data and preferences.

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Reduce Their Risk: Safety Tips for Teen Drivers

Fri, 06 Sep 2019 09:09:00 GMT

It’s time for a teen to get their driver’s license. Who is more nervous – the teenager or the parent?

Parent anxiety during this rite of passage is understandable. According to the Insurance Information Institute, motor vehicle accidents are the number one cause of death among those aged 15 to 20. Fortunately, teens and parents can take steps to improve safety on the road. If you have a teen behind the wheel, try these best practices.

Choose a safe car: Sure, your teen will probably prefer to drive that sporty convertible, but giving a teenager the keys to a sleek, fast car will only encourage speeding and other unsafe driving habits. For a teen’s first vehicle, choose a car that is easy to drive and offers solid protection during an accident. Avoid small cars and SUVs, which are prone to rollovers.

Limit their risk: Consider following a graduated driver’s license (GDL) program. These are in place in some states (including Colorado), and parents can institute similar policies in areas where they aren’t required. Under these programs, teens’ driving privileges are restricted until the teen has gained experience behind the wheel. Restrictions may prohibit driving at night or with teen passengers. For Colorado-specific information visit https://drive-smart.org .

Emphasize safe habits: Talk with teens about risky driving behaviors. Explain the dangers involved with distracted driving caused by phone use, radio use, or conversations with passengers. Stress the importance of remaining focused while driving. Additionally, certain practices, such as enrolling teens in a safe driver program or using electronic devices to monitor their driving, may qualify you for insurance discounts. Contact our office to discuss what programs are available in your area.

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Who Should Consider Contractor’s Insurance?

Wed, 04 Sep 2019 11:07:00 GMT

As a business owner, you need to have all your bases covered to protect your company. When it comes to insurance, this might mean establishing a contractor’s insurance policy. Here are the FAQs to help you determine whether this coverage is right for you.

What is contractor’s insurance?

This coverage protects your business from obligations resulting from work-related incidents. If your business is threatened by lawsuits or other liabilities, contractor’s insurance can shelter you from these costs.

What is provided by contractor’s insurance?

Basic business liability, worker’s compensation, and commercial automotive coverage may be included with contractor’s insurance. Typically, these policies can also be tailored to meet the unique needs of your business. You may need coverage for mobile equipment, personal property, materials that are being installed, or post-project claims.

Who needs contractor’s insurance?

A wide range of professionals can benefit from contractor’s insurance. These include independent tradesmen, subcontractors, and contractors. Trades that most often need contractor’s insurance include construction, plumbing, carpentry, landscaping, painting, electrical, HVAC, masonry, and flooring.

How much does contractor’s insurance cost?

Premiums for contractor’s insurance vary by policy. The type of work that you do and the risks you encounter determine the rate. It is important to customize your coverage to match your specific business. Reach out to our office to review the needs of your business and receive a personalized quote. Whatever your industry, the cost of not having contractor’s insurance can easily outweigh the cost of coverage.

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Beware of This Common Pet Owner Mistake

Mon, 19 Aug 2019 21:11:00 GMT

We humans aren’t the only ones who need to watch our waistlines. Maintaining a healthy weight is essential for a long and fulfilling life for our pets, too. But they don’t have control over their weight; we, the pet owners, do, and we often overfeed our four-legged friends.

In an interview for petmd.com, Dr. Jim Dobies, a veterinarian in Charlotte, North Carolina, said one of the simplest ways to gauge a pet’s weight is to stand above it and look down. Both cats and dogs should taper in between their abdomen and their hip socket.

“You should be able to feel their ribs but not see them. If you can see them, they are too skinny,” Dr. Dobies said. “If you can’t see their ribs, and place your hands on the side of their chest and still can’t, they’re overweight.”

Pet owners can also use body condition score charts from sources such as www.mypetsdoctor.com. These score images of a dog or cat at different weights according to how healthy they are and provide a visual guide to measure your own pet’s health. Feeding our pets the correct amount is critical to warding off issues that arise from obesity, such as congestive heart failure, some types of cancer, and musculoskeletal problems.

Start by consulting your pet food packaging, which typically provides a recommended serving based on an animal’s size. Pay careful attention to the wording and whether the serving amount is per meal or a daily total to be divided into meals. Two meals are recommended for most adult dogs, while more frequent feedings are suggested for puppies. For cats, petmd.com recommends between 24 and 35 calories per day per pound.

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How to Stay Focused in a 24/7 World

Tue, 13 Aug 2019 07:55:00 GMT

The world of business is open or on call 24/7. Once you achieve success as an entrepreneur or business owner, things will likely come flying at you, and it’s easy to get bogged down fielding phone calls, responding to emails and social posts, and putting out fires, while important tasks remain unfinished.

How can you stay focused in this crazy environment? Here are some tips.

1. Prioritize and codify your workload each day in a to-do list. Break the workload down into tasks that are doable within a span of one or two hours.

2. Delegate anything that does not require your personal attention.

3. Remove unnecessary distractions from your life and your work area. Headphones and music can also help you focus and stay physically and mentally present.

4. Unplug. Put the phone away, don’t check your watch, and resist the impulse to scan for email or text messages. Set aside time every few hours to plug in and deal with the minutiae, but use the rest of your time to focus on important stuff. Consider using an app such as Notify Me Not, which can help eliminate many of those social media emails that can clutter your inbox.

5. Take breaks. You’re no use to yourself or anyone else if you’re burned out or stressed out. Set a timer to rest your eyes and stretch every 20 minutes. After you’ve been concentrating on something for a few hours, take a walk, clear your head, and hydrate. You will come back to the task with more clarity and focus.

6. Keep your eye on the prize. As you gain success as an entrepreneur and your business grows, distractions will multiply, and it’s easy to get sidetracked chasing the next shiny object. Stay focused on your goals and make sure everything you’re doing is a step toward those goals.

7. Visualize the big picture and talk to your employees about it regularly. It is your responsibility as a leader to articulate the mission, strategy, and goals of your organization and to ensure that you are staying on the path to achieving them. By using these tips to stay focused, you will be well on your way. Best of luck!

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Are You Building a Championship Team?

Tue, 16 Jul 2019 08:10:00 GMT

Because great teams of any kind are goal-oriented and imbued with a sense of purpose, team-building needs to be a holistic process.

The first step is to choose team members who can and will contribute in meaningful ways to the team’s overall success. Once the team is in place, as team leader, you need to delineate the roles and responsibilities so that individuals know that their jobs matter and that they bring something unique and essential to the table. Next, set clear, realistic short-term and long-term goals, and establish milestones and deadlines. Motivate progress toward the goals with positive reinforcement, but also know when to pivot or course-correct if necessary.

Provide continuous feedback and maintain open channels of communication. Communication fosters engagement and commitment to the team’s success and also enables team members to surface ideas, suggestions, and issues that may lead to a more productive workflow.

Celebrate successes and accomplishments, but also acknowledge problems, setbacks, or concerns. This type of candor conveys the importance of working together and reaffirms each individual’s responsibility to contribute to the team’s success.

Ultimately, it takes vision and strong leadership to create and sustain a high-performance team. As a leader, you will have to make difficult decisions, establish standards of performance, and implement corrective action from time to time. Be aware of your leadership style and techniques. Get to know the people you work with so that you can have constructive discussions and lead your team to achieve the best outcomes.

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Why You Should Read Your Loss History Report

Fri, 12 Jul 2019 07:56:00 GMT

Did you know homes and cars have report cards? Do you know what grade your property deserves?

If you haven’t checked your report, you might want to look into it.

This statement is called a Loss History Report. It provides a record of the insurance claims and losses that are associated with a particular property or car. The report typically covers the previous seven years of claims history. The information is gathered by the Comprehensive Loss Underwriting Exchange (C.L.U.E.).

When insurers underwrite a policy, they typically refer to this report. The history helps define the risk level and determine the rates for future insurance.

As a consumer, you can check your Loss History Report to ensure accuracy for auto claims. Since errors on the report could result in higher premiums, it’s good to verify that all information is correct. You can obtain one free report per year.

If you discover any mistakes, you can contact LexisNexis, which will look into the claim. Depending on the situation, you may be able to add an explanation to the information that will be included in future reports.

Consumers can also make use of a Loss History Report for real estate transactions. If you are considering a home for purchase, you can request a copy from the sellers. (The owner of the property has to make the request directly to C.L.U.E.) If you have any questions regarding the request, please contact our office at 720.683.0010 or info@rpmagency.com.

A review of this report will shed light on any previous damage to the house, which you can then follow up on to verify any repairs before you purchase the home.

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Rented and Personal Vehicles: Are Your Risks Covered?

Wed, 10 Jul 2019 08:02:00 GMT

Are you familiar with hired and non-owned auto (HNOA) insurance? If your business involves vehicle use in any way, this coverage could be crucial for your operations. Here are the facts.

What is HNOA insurance?

Hired and non-owned auto insurance provides coverage if an employee uses a personal or rented vehicle for business purposes.

If an employee in these circumstances is in an accident, the company for which they were driving could be held liable for damages. HNOA insurance covers this liability.

Who needs HNOA insurance?

Business owners may assume that if their employees don’t use company vehicles, they don’t have to worry about insurance coverage. This isn’t necessarily true.

The employee’s personal insurance may not always cover the full liability, in which case the litigators may go after the business for which the employee was driving at the time. This makes it important for any business with exposure to this risk to maintain HNOA insurance.

While HNOA insurance is most commonly associated with food delivery tasks, the need for HNOA goes beyond pizza and sandwich delivery. Home health care providers, consultants, contractors, and anyone else who uses their own vehicles or rented vehicles for business-related tasks or travel have HNOA exposure.

Of course, a company with a fleet of inexperienced teens delivering dinners will have a higher risk than a small business with two professionals who attend occasional client meetings. Still, the risk is there, and it should be addressed.

What can business owners do to reduce HNOA exposure?

To reduce their risk, business owners can take several steps. First, they can conduct motor vehicle record checks on employees. This task can be completed twice a year to monitor employee driving. Second, business owners can establish guidelines for who is considered an acceptable driver. The employer can use driving experience, age, and driving records as parameters to set these guidelines.

Modern technology allows for a third method that could be worthwhile for some businesses. This solution is telematics. Using this technology, an employer can monitor the activity of a vehicle and the driver’s performance. The data will reveal whether drivers speed, how they brake, and other information that can be helpful in determining risk. Because they are being monitored, employees may make greater effort to drive safely. Employers can also create reward programs based on telematics data to further incentivize safe driving among employees.

Is HNOA coverage provided by a standard commercial auto insurance policy?

Business owners who have a commercial auto insurance policy may or may not be covered for HNOA situations. Previously, this coverage was often a standard part of commercial auto policies, but the rising frequency and cost of litigation have forced many providers to make it a separate policy. Business owners should check with their carriers to see what coverage is included and what is available.

What’s the next step?

If you’re unsure about your HNOA exposure and insurance needs, contact our office at 720.683.0010 or info@rpmagency.com. We can provide a quick review of your policies and risks and make sure you have appropriate coverage.

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Is Your Vehicle Burglar Repellant?

Mon, 08 Jul 2019 19:50:00 GMT

Every 45 seconds, a motor vehicle is stolen in the United States, according to reporting from the Insurance Information Institute.

What can you do to protect your car from becoming part of this statistic?

Use the following tips to make your car less appealing and more secure. These precautions can prevent crime as well as keep your auto insurance premiums lower.

Lock It Down

When the weather is warm, it can be tempting to leave the windows open while your car is parked. You may even decide to keep the doors unlocked, if you are running a quick errand. Don’t do it. Always keep your windows shut and your doors locked if you’re not in your vehicle. Thieves are faster than you think.

Tuck Them Away

If you have personal property in your car, hide it. Purses and other bags should go in the trunk, where they will not be visible to potential thieves. You don’t want to create a temptation by leaving unattended items in sight.

Light It Up

Make smart choices when parking your car. Look for well-lit areas that are highly trafficked. Try to find the most secure spot in a parking garage, such as near entrances or guard booths, that also offer plenty of light.

Turn Them Off

Let thieves know your vehicle is not a good choice by using anti-theft devices. A steering wheel or gearshift column lock can be an effective way to make your vehicle unappealing to a thief.

If your car is stolen, a tracking device can prove helpful to locate the vehicle. These are included in many newer cars, and they can be purchased to install in older models. These devices may even qualify your vehicle for a discount on your auto insurance.

Is your vehicle fully protected? Contact our office at 720.683.0010 or info@rpmagency.com for additional tips or to find out if a particular anti-theft device would reduce your premiums.

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Glamping Still Meant Doing the Dishes

Fri, 21 Jun 2019 17:00:00 GMT

Our annual family camping trips included dishes, stitches, and cinders.

Ah, the glorious Colorado summer. Every summer our family would pack up, head out of Evergreen and set camp in another beautiful location. Once loaded, the family station wagon looked like National Lampoon’s Vacation with all our equipment, coolers, and bicycles stuffed in it and on it. We included one big canvas tent for the adults (family that witnessed it nicknamed it ‘Camp Hilton’) and another dome tent for our two kids. By the time we were set up, our bed looked like an Arabian sheik had settled in. Several air mattresses, eggshell foam pads, comforters and two plush sleeping bags zipped together topped it off. With bicycles, a fold-up table, comfy beds, and all the amenities of the KOA campgrounds, we were set for adventure in luxury and style. Little did we know; we were among the early adopters of what is now referred to as “glamping”.

Before these trips we spent hours preparing, packaging and storing meals so that Dad could just grill it up while the kids rode their bikes. Our family held one camping rule: Everyone had to “pull their weight”. It was the kid’s chore after each meal to take the dishes over to the water station and wash them with the classic sponge with liquid soap in the handle. Remember those? It was not unusual for the kids to be standing in the wash line and some bemused adult would ask what they were doing. The kids would enthusiastically reply, “Oh, everyone has to pull their own weight in our family, and this is all we have to do!” Other parents in line decided they might not be doing it right, washing their own dishes.

Each year brought us to a new destination in Colorado, and each year we made it a point to experience everything to do and see in the area, from breakfast horseback rides to chuckwagon dinners and scenic gondola rides. We hiked to waterfalls, went rafting, and played games.

On one of these adventures our then 8-year old son managed to slice open his head (exposing his pearly white skull), requiring quite a few stitches. The next day, we enjoyed a narrow-gauge train ride through the vistas of southern Colorado. Fun, right? Except for that night because we got to hear our son’s whining as Dad picked all of the cinders out of his stitches with tweezers.

Another memorable trip included a hike. We learned of a hidden waterfall and decided it would be a great destination! Along the route there was a narrow ten-inch ledge with a 30-foot drop that we all had to skirt across. Well, if this is what we had to do to reach our destination, then so be it! Of course we later saw people on that same ledge using climbing gear to keep their precious children from falling into oblivion. We made it back safe and sound, but no parenting awards were given for accidentally putting our kids in danger and not even realizing it until later!

In spite of – or maybe even because of – these crazy adventures, our entire family looked forward to these camping trips each and every year. They were “electronics-free” and we spent hours together making memories and having fun. We were blessed to be able to enjoy so many activities and gorgeous hikes that this beautiful state has to offer. When asked, the kids both agree that these family trips are some of their fondest memories.
We afforded each of these trips on a strict budget of five hundred dollars, proving you can have a quality, fun vacation for a low price in Colorado. Now, we are happy to help our clients maintain a worry-free life and save for their future for a modest rate. Give us a call at 720.683.0010 or info@rpmagency.com and let us help you “glamp” up your insurance and investments on your budget.

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Wildfire Preparation

Mon, 03 Jun 2019 20:10:00 GMT

We love our mountains and forests, but Colorado ranks third in the US for number of properties at high or extreme risk for wildfire. Prepare your home, family, and pets.

• Develop a fire evacuation plan and practice family fire drills. Ensure that all family members are aware of two or more escape routes from the neighborhood and meeting points. Be certain to designate someone to evacuate your pets and/or livestock.
• Contact the sheriff’s office to ensure that your telephone numbers appear in the county reverse 911 database.
• Prepare a “grab-n-go” kit that will last three days, containing cash, water, clothing, food, first aid and prescription medicines for your family and animals.
• Ensure that you have a hose (long enough to reach all parts of your house) with nozzle available near your outdoor water source for responding firefighters.
• Maintain your smoke alarms and fire extinguishers.
• Do annual insurance policy checkups with your agent to keep up with local building costs, home remodeling and inventories of personal belongings. Photos and videos offer easy ways to document your possessions. Keep a copy in your safe deposit box. RPM offers this service at no cost to our customers.

Defensible space and structural material choices give your home a fighting chance against the embers generated by an approaching wildfire. Defensible space requires initial efforts and ongoing maintenance to be effective. Your home’s defensible space is divided into three zones: 30 ft, 100 ft and 200+ ft with ever-changing trees, grasses and shrubs.

Some examples of initial projects are: thin and prune trees, dispose of this slash, stack firewood uphill and at least 30 feet from your home, screen attic, roof, eaves and foundation vents—periodically check their condition. Also, screen or wall-in stilt foundations and decks, post signs with your last name and house number at the end of your driveway, and trim tree branches to ensure fire equipment may gain access. Check with csfs.colostate.edu for information specific to fire responder access.

Annually, clear your roof and gutters of needles and debris. Trim grasses and weeds to six inches or less, rake pine needles away from the house foundation. Remove this debris from your property. Replace or repair roof shingles/tiles to reduce ember intrusions. Cut branches that overhang the roof and chimney and remove from your property. Watch for local fire department slash days for disposal.

Maintenance and fire-resistant materials are key. Your siding, decking, ground materials, windows, screens, eaves and landscaping work in concert to provide ignition resistance.
For more information contact Michele at 720.683.0010 or info@rpmagency.com.

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How to Reevaluate Your Finances Later in Life

Wed, 15 May 2019 21:01:00 GMT

According to data from PricewaterhouseCoopers, many Americans are in the so-called “middle market” of retirees, with somewhere between $100,000 and $1 million saved for retirement. The data also reveals that roughly half of Americans aged 55 or older have less than $100,000 in retirement savings, which is not enough for a traditional retirement.

Some financial experts are now recommending that those Americans in the middle market annuitize a portion of their retirement savings. For the half who are under the $100,000 mark, Social Security may be a good retirement income generator. This benefit is essentially an annuity as well. You pay into it now (via tax deductions); you get a stream of income upon retirement. Middle-market retirees can also optimize Social Security before looking to private-market annuities for supplemental income. But what happens if Social Security isn’t enough?

That’s where annuities come in. Most Americans who are saving for retirement do not work with financial advisors, and few defined-contribution plans, such as 401(k) plans, provide options for converting balances into periodic income upon retirement.

When you purchase an annuity by giving a life insurance company a lump-sum payment, the life insurance company provides you with reliable retirement income, for life, if you wish. Annuities protect you from a number of risks, including the risk of market volatility and of outliving your savings.

One retirement savings strategy is to use Social Security benefits for the basics (mortgage or rent, transportation, utilities, and food) and use annuity income for the luxuries (entertainment, hobbies, and travel).

We can help you determine an optimal strategy for balancing Social Security benefits with the income from an annuity. The right strategy often depends on your current and anticipated income and taxes, your marital status, and your anticipated spending in retirement.

We can also help you select an annuity that best meets your needs. Annuities can be complicated, and the guidance of an expert can prove invaluable.

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How Young Is Too Young for Life Insurance?

Sat, 27 Apr 2019 07:14:00 GMT

Traditionally, parents buy life insurance policies for themselves to provide for their children in their absence. However, there are times when parents may want to consider purchasing a life insurance policy for their child.

Why. The most cited reason why you might want life insurance for your child is the payment of final expenses, such as outstanding medical bills and funeral costs. While that is a good reason for insurance, other scenarios may also make life insurance advantageous for the young and may be a bigger concern, financially, than end-of-life expenses.

For example, when your child turns 18 and goes to college, you might incur significant debt by cosigning loans.

Today, a private college costs an average of $38,589 per year, more than $150,000 total. It is likely you are expecting your child to pay off that debt when he or she graduates.

But what if he or she cannot, due to an unfortunate illness or accident? Life insurance would help you pay those loans.

As this scenario suggests, there are many moments in an individual’s life when life insurance may be needed, regardless of the person’s age.

Why now. Feel free to reach out to our office to discuss your individual financial situation, so we can help you keep your children in mind as part of a comprehensive financial plan. Typically, life insurance premiums on a child are very low, so you can purchase a lot of insurance for a long period of time. Moreover, when you purchase life insurance for a child, you guarantee his or her insurability, and that can be important as the child ages.

Note that each insurer has guidelines on when life insurance can be purchased for a child and how much may be purchased. For example, the child may need to be at least a few days old, or the amount of insurance on the child may be limited to less than that of the parent’s personal policy.

Contact Michele or Kristin at 720.683.0010 or info@rpmagency.com for more details.

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Tornado Safety Tips

Tue, 23 Apr 2019 09:11:00 GMT

Practice and Prepare.

Know where you and your family will go if a tornado strikes while you are home. Practice and teach your children where to go. Have a family meetup area or a plan for everyone to check in with someone you designate via a phone call or text after a tornado event. Review or practice this annually and make updates/changes as needed to keep your family informed. Locate the tornado shelters in the buildings which you frequent (shopping malls, supermarkets, movie theatres, etc.). If you do not know their location, ask the store manager.

Seek Shelter.

Go to your basement, small interior room, closet or under the stairs in the lowest level of your home. Stay away from windows. Cover yourself with a blanket. If you live in a mobile home, have a designated building nearby in which to shelter (garage, barn, business, any stable structure). If outside, find the lowest area (that is not a road or stream), lie face down and cover your head and face. If you are driving–DO NOT try to outrun the tornado in your car. Drive at a 90 degree angle away from the path of the tornado at a safe speed. If you cannot get out of its path, abandon your vehicle and lie down in a ditch or low area and cover your head.

After the Storm.

Keep away from downed power lines and flooded areas (which could be hiding live downed power lines). Stay out of damaged structures. Do NOT use a lighter or matches in case of gas leaks. Contact the members of your family according to your plan.

Stay informed. Stay safe.

For additional information for your area or areas you may be visiting go to www.weather.gov.

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Hosting Tips to Enhance Your Hospitality

Thu, 18 Apr 2019 17:20:00 GMT

The secret of a successful party is comfort—yours and that of your guests. Yet all too often we are so concerned about doing everything right that hosting turns into a stress fest. When you are the host, you want your friends to feel welcome and at home. Everything you do in preparation for the event is in service of that goal, and the less you fuss, the better it is for everyone. See if these tips make hosting easier next time.

No one wants to feel uncomfortable because they can’t eat what you have prepared. Reach out ahead of time and ask about food allergies or restrictions.

The day before , text or email your exact address and easy direction s.

Make the table pretty without a lot of fuss. Flowers add color and warmth to the setting, but keep arrangements low so they don’t interfere with conversation.

Soft music is a lovely addition. Instrumental or easy listening is usually best.

Prepare a meal you’ve made successfully before, so you’re confident about the outcome. Keep it simple.

Serve a pleasing dessert (or maybe two-provide fruit as an option) to complete the meal sweetly.

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Memory Brain Training: From Sieve to Steel Trap

Wed, 10 Apr 2019 08:20:00 GMT

Some instances are easy to laugh off. Forgetting an appointment or misplacing one’s keys can be filed under “being forgetful.” But a leaky memory isn’t funny when those misplaced dates and items are of great importance, or when the forgetfulness becomes chronic. Fortunately, there’s good news for sufferers of poor memory: it can get better. With the right techniques, it’s possible to train your brain and improve your memory.

Try these tips:

Use imagery: Memory athletes (yes, it’s a thing) use this trick to make words stick. Next time you’re trying to remember an important date or someone’s name, picture it as an over-the-top image. For example, imagine “April 20” exploding out of a confetti cannon.

Resist the urge to Google: Anything we could ever want to know is just a couple of taps away. But constantly using a search engine to remember facts and figures that we’ve forgotten is making our brains lazy. Next time you’re stuck, wait it out and work your brain to remember.

Create a memory palace: A memory palace is a real physical location or route that is familiar to you, where you can “store” words and dates to remember later. For example, if your memory palace is your jogging route and you want to remember your credit card numbers, you might imagine your Visa number scrawled on the bench you stretch on and your Mastercard number posted on the billboard you pass by on your run.

Practice: As with physical exercise, consistency is key. Practice recalling directions, phone numbers, and important dates in the shower or during your commute.

Good luck!

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Animal Invasion? You May or May Not Be Covered

Mon, 08 Apr 2019 21:04:00 GMT

Your dog ate your couch. Birds destroyed your gutter. A family of raccoons or a bear overran your car or garage.

Will your homeowner’s/auto insurance cover these animal invasions?

Yes and no. Here’s the scoop:

Infestation: If your home suffers damage at the hands (or legs) of insects, rodents, or vermin, the cost probably won’t be covered by your homeowner’s insurance. Whatever damage these unwanted guests cause, including nesting and infestation, is not usually covered. However, this varies by policy, so be sure to check with your insurance agent to confirm.

Destruction: If your personal property is destroyed by an animal, this usually does not fall under your homeowner’s policy coverage. If the animal damages the property itself, this is probably covered. So, if a bear breaks into your garage and mauls your tools, you might be on your own to replace your saw, but the damage Mr. Bear caused to the garage door should be covered.

Liability: Coverage for damages caused by pets varies based on where the damage occurs. If your cute kitten ruins your new loveseat, you’ll have to hold Fluffy responsible. Your insurance company probably won’t pay for that. But if you bring Fido to your friends’ house and he eats their loveseat, the liability portion of your policy will kick in and cover this damage.

Do you have concerns about potential animal-related damages? Let us help you review your policies and determine what specific coverage is best for you and available in your area. Be Bear Aware!

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Annuities: One Leg of a Three-Legged Stool

Thu, 28 Mar 2019 08:16:00 GMT

Financial planners often use a simple analogy to explain retirement income: a three-legged stool. The three legs symbolize Social Security, pensions, and personal savings.

But where do annuities fit? On one hand, an annuity is a self-created pension plan. On the other hand, an annuity is created from personal savings. But it may be best considered as a different leg that replaces pensions.

Why? Pensions are quickly becoming a thing of the past. They are nearly a relic of a bygone era.

At one time, 88% of private-sector workers with a workplace retirement plan had a pension. That number is now closer to 33%, according to the Center for Retirement Research at Boston College. And as pensions have gradually disappeared, annuities have taken their place, given their similarities. Both provide a guaranteed stream of income for life.

Regardless of where you place an annuity in a retirement plan, however, an annuity can play an important role in assembling a nest egg that can keep you comfortable throughout your golden years.

As evidence, consider a recent study from Global Atlantic Financial Group, which found that retirees who collect income from annuities can sustain much higher expenses than those who do not collect income from annuities. How much higher? The average retiree with an annuity spends 37% more than the average retiree without one ($2,545 per month versus $1,850 per month).

Moreover, retirees who had annuities were considerably less likely to have regrets about their retirement-planning choices than those who did not have annuities (42% of those with annuities had regrets, while 58% of those without annuities did.)

The key takeaway: As pensions have declined, uncertainty around Social Security has grown, and personal savings have often proven inadequate, the three-legged stool needs a replacement leg as another source of income for retirees.

An annuity can fill that role very well. Call me at 720.683.0010 and I will answer any questions for you.

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Dunk Your Prescription Costs to Avoid the Donut Hole

Tue, 26 Mar 2019 22:10:00 GMT

Donut hole: This pleasant-sounding name actually describes a coverage gap in Medicare Part D. The donut hole appears when your non-generic prescription costs exceed your plan’s initial coverage limit ($3,820 in 2019), but have not yet reached the catastrophic coverage level. You can avoid the donut hole longer and perhaps entirely by reducing your prescription costs. Here’s how.

Before each year’s end, determine whether you have enough of each medication. If you do, don’t fill those prescriptions until January 1. If you don’t, ask for a smaller quantity for less cost to get you through to year end. Your doctor may have samples as well to carry you over.

During open enrollment, look for a plan that covers your prescriptions for less. Always ask your doctor to prescribe generic drugs if possible. Changes to the donut hole in 2019 mean it affects only non-generic drugs.

To reduce costs , look for pharmacies offering discounts or rewards programs. Ask your pharmacist for a “Medication Therapy Management consultation.” All Medicare Part D plans cover this option. Ask for your prescription’s “best price,” which is the price when you don’t use insurance. However, before buying, call your insurance company and ensure it will reimburse you for “best price” drugs and count their cost toward your out-of-pocket costs. Price shopping can also save you money. Ask your insurance company to recommend pharmacies that offer lower costs, offer 90-day fills rather than 30, or deliver by mail.

Additionally, you can avoid the donut hole if you qualify for Medicare’s Extra Help/Part D Low-Income Subsidy. Visit Medicare.gov for more information.

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Where Will Technology Take Us Next?

Fri, 15 Mar 2019 07:13:00 GMT

Products like smartphones and voice-command speakers used to be the stuff of Jetsons fantasies. Then they became reality and altered our world dramatically. So, what’s next?

Here’s a roundup of the emerging technologies.

Drones: These aren’t just for taking Instagram-worthy aerial shots. Drones offer plenty of yet-to-be-fully realized potential. They’re being explored as tools for farm crop assessment, law enforcement, and disaster relief.

Blockchain: This technology is much more than cryptocurrencies like Bitcoin. By facilitating the distribution of digital information without copying, blockchain can power all kinds of activities, from providing financial solutions to un-banked people to auditing supply chains around the world.

Artificial intelligence : Computers with human smarts get a lot of flak for the scary side of their potential. But there’s plenty of good stuff too, like an A.I.-powered system that analyzes a baby’s cry to instantly diagnose birth asphyxia, a top cause of infant mortality.

Driverless vehicles: Autonomous vehicles are already here. When they become widely available, they could help those who are underserved by public transportation, reduce the space needed for parking, and improve road safety.

CRISPR: Named after CRISPR DNA sequences (clustered regularly interspaced short palindromic repeats), this DNA-altering technology can be used to precisely edit genetic information. While it received bad press after a Chinese scientist announced he had used it to create genetically edited babies, the tech has incredible potential for everything from healthcare to agriculture.

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Why Did My Auto Insurance Premium Increase?

Wed, 13 Mar 2019 19:53:00 GMT

Did your auto insurance rate go up? If you noticed an increase in your premium, this is often due to one of three reasons . Fortunately, there are three things you can do to push that figure back down. Here’s the scoop.

Tickets: Did you receive a traffic citation? Tickets are a common cause of insurance rate increases. The severity of your citation is considered in this rate adjustment. For example, a speeding ticket for doing 50 MPH in a 40 MPH zone typically affects your rate less than a DUI conviction would.

Claims: Filing claims may cause a rise in your premium. Multiple claims in a short time period further increase the chances of a rate adjustment.

Conditions: If the risk factors in your area change, this could affect your insurance rates. Increased crime rate and extreme weather events are factors that can cause premium increases.

If your rate has increased (or you want to lower your current rate) take the following steps that can reduce your premiums.

Package: Ask your insurance provider about discounts for multiple policies. Often, if you bundle your home and auto coverage with one company, you can receive a discount.

Protect: Does your car have any safety features that reduce your risk? Security systems and certain safety features can lower your premiums.

Prepay: Pay for your full premium up front. By paying for coverage for six months or a year at once, you may be eligible for a discount.

Contact your insurance agent for more details.

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Is Your Home Riskier Than Your Neighbor’s?

Thu, 28 Feb 2019 07:15:00 GMT

Did you know two homes can have identical square footage but vastly different insurance costs? They might even be right next door to each other. How is this possible?

The cost of premiums is based on the risk factors of the homes. With vastly different features, the two properties don’t have the same likelihood of claims. What features influence this risk? Following are a few of the top factors.

Construction: Older homes often cost more to insure due to their construction. Features such as ornate moldings, stained glass windows, and plaster walls are typically more expensive to replace than are modern amenities, so insurance premiums reflect this. Other construction factors include the age of the electrical system and the type of exterior used.

Safety: If a home offers features that reduce the risk of fire, burglary, or other damage, the insurance costs go down. Smoke detectors, sprinkler systems, and security systems are examples of safety features that can reduce your homeowners insurance premiums.

Amenities: Certain features can not only add appeal and ambiance to a home but also increase the cost of insuring the property. A swimming pool or spa, for example, can add fun and relaxation appeal, but it also increases a homeowner’s liability and requires additional coverage. A wood-burning stove can be charming, but it can be seen as a fire risk and increase your premium.

Pets: While a hamster probably won’t affect insurance premiums, a pit bull might. Homeowners insurance includes liability, which protects the property owners if they are sued by a person who is injured by the homeowner’s dog. If you own a dog, especially one whose breed is considered dangerous, you might pay more for insurance.

Upgrades: Remodeling projects typically increase the value of the home. A new addition, a finished basement, or an updated kitchen may require additional insurance to adequately cover the upgraded property.

If you’re considering purchasing a house or altering the features of your current home, consult with your insurance provider. They can provide premium estimates and offer further insight into how your choices would affect your insurance costs.

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How to Choose the Perfect Haircut

Tue, 26 Feb 2019 07:02:00 GMT

There’s no absolute right or wrong, but choosing the perfect haircut can be tricky. There are several things to consider.

Find a style that’s right for the shape of your face . For example, a pixie, tousled shag, or layered bob flatter a woman’s round face while blunt-cut bangs complement a heart-shaped face. Men with round faces look strong-jawed with hair shorter on the sides and longer on top. The web has tons of good information, and many sites and apps allow you to upload your photo to preview different looks.

Choose a style for your hair type. Is your hair thick or thin? Curly or straight? Coarse or silky? Keep these qualities in mind. You can find a product that changes your hair’s natural characteristics or choose a cut that works with them.

Consider the occasion . A serious job requires serious hair. An evening on the town is special, and you might want a hairdo appropriate for the occasion.

Choose the style you can live with. If you’re happy blowing, fluffing, and taking your time, your options are much broader than they are if you’re looking for a wash-and-wear do.

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An Unexpected Reason for Coverage Denial

Sat, 23 Feb 2019 07:56:00 GMT

You probably know that you can be denied life insurance for certain health conditions, but did you know you can be denied based on medications you purchase on behalf of someone else?

This is what happened to a Boston woman. Employed as a nurse, she had a prescription for the opioid-reversal drug naloxone, also known as Narcan, which she used in her job at an addiction treatment program. (It’s also become common for family and friends of those with an addiction to carry a prescription for naloxone.) This prescription resulted in the nurse’s insurance denial.

Why would it matter if she carried this prescription?

When reviewing applications, some life insurance companies consider prescription drug use. During this process, it can be difficult to determine the difference between someone who carries naloxone for themselves (because they are at risk of an overdose) or others (because they are caring for someone with an addiction).

Could you be penalized for your prescriptions? Yes , even if you don’t carry any drugs for others as this nurse did. Life insurers consider all aspects of your medical history (including doctor’s visits, diagnoses, and medications) when analyzing your risk. They can deny coverage if they deem the risk is too high.

What can you do if you’re denied coverage? Ask for an appeal. The method for doing so should be explained in your application materials.

Generally, the process involves three steps to create your appeal .

If you need help with this process, your insurance agent can assist you with further details and support.

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Streamlining Your Morning Routine

Thu, 21 Feb 2019 07:25:00 GMT

If you leave your house in an anxious mood, you could arrive at work in a frantic state. That’s why you need to use your mornings wisely.

Start before you go to bed. Choosing appropriate clothes, packing your bags, preparing your lunch, and making a list of the most important things to do the next day can mean there are fewer decisions to make in the morning. This can save time.

You should also avoid using your phone as your alarm clock. Notifications during the night can disturb your sleep. If you choose to use your phone for an alarm, silence your ringer and media tones and place the phone across the room. Plus, waking up to emails and messages can be stressful, and you’re likely to jump right into these if your phone is your alarm. You don’t want to send important messages before you’re coherent. Plus, responding to messages takes time and can cause you to be late. Your messages will still be there when you get to the office. Read them when you’re settled in there.

Another tested trick is to set your clocks ahead. This can get you out the door faster and potentially keep traffic delays from slowing you down. Of course, this only works if you don’t use this extra time as an excuse to dawdle or check your emails.

You can also choose your morning beverages and meals strategically. Drink water first. It will hydrate you and help make you alert for the day. If you do need a morning coffee, consider investing in a timed coffee maker that starts making your coffee for you. This will allow you to accomplish other tasks. Remember, keep your routine simple so you won’t forget what you need to do.

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How to Save Money: 20 Insanely Simple Tips

Mon, 18 Feb 2019 20:13:00 GMT

Ways to cut expenses with technology while shopping, being at home, or out having fun. Apps can alert you to upcoming deals, compare prices, or help you buy and sell used items. When shopping, consider buying generic or store brands. Before leaving the house, turn lights off and reduce the temperature. Entertainment doesn’t need to be expensive, either. Host friends for games. Go for walks. Track your progress with a budget.

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Generous Gifts Might Call for New Coverage

Mon, 18 Feb 2019 07:20:00 GMT

Did you receive a big gift over the holidays or some nice jewelry for Valentine’s Day? Congratulations. Luxury items often need proper insurance for protection, as they are valuable possessions. In some cases, your current coverage is sufficient. However, many times, a change or expansion of coverage is needed.

If a special occasion has added a luxury item to your personal inventory, it might fall into one of the following categories.

It needs expanded coverage: Your homeowners or renters insurance has certain coverage limits. Standard policies typically top out at $5,000 for personal belongings . If your new fur coat pushes beyond these limits, you can expand your current policy. Ask your insurance provider about adding a rider, floater, or endorsement. You will most likely need a receipt or appraisal to verify the value of the item.

It needs increased value coverage: Some items appreciate in value over time. If you received a family heirloom or a work of art, you can obtain special coverage that will keep up with this increase. Consider adding a rider that will provide this coverage. You will probably need to reappraise the item every one to three years in order to keep the policy active.

It needs a standalone policy: Single high-ticket items such as jewelry, electronics, or boats may require a separate policy. These standalone policies are definitely needed if the items cannot fall under existing homeowners insurance. For example, if the item might be used for work, it would be excluded from most homeowners policies.

Contact your insurance agent to determine whether any of your recently received gifts need additional coverage, then relax and enjoy your new treasure.

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What can smart tech do for you?

Fri, 15 Feb 2019 20:58:00 GMT

Are you thinking of installing a few smart devices in your home? Here are some of the most popular and practical options to consider:

Security Products
This includes motion-activated doorbell cameras, door locks with timers and garage doors controlled by smartphone apps. These technologies can offer peace of mind for homeowners who live alone and added independence to anyone with limited mobility.

Lighting
Motion detecting exterior lights are the most publicized in this category. However, there are also indoor sensors that control lights as you enter and exit a room or open and close pantry doors. And Wi-Fi-enabled lightbulbs allow you to customize mood lighting throughout the house. These options offer convenience while at home and added security when you are away.

Appliances
Virtually all appliances come in smart versions today — from kitchen scales with built-in recipes to Bluetooth-enabled slow cookers to washers and dryers that let you schedule your laundry loads. These can make housework more manageable for those on a busy schedule.

Assistants
These smart home tools do more than give you traffic updates. Using an if this, then that customization, they can create a truly connected home. For example, they can turn on specific lights when your TV comes on or open the garage door when you get within a certain distance of the property. And they allow you to voice-activate many of your smart tech commands.

Smart home devices are also one of the most in-demand features with today’s homebuyers. Installing them could increase your property’s long-term value and marketability. Check with your insurance agent. Some of these features may lower your insurance rates.

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Petunias or Poinsettias? Which Flowers for Which Occasion?

Mon, 04 Feb 2019 21:14:00 GMT

Roses are red. Violets are blue. Which kind of petal is best for you? Like precious stones, flowers have symbolism. Different varieties have different meanings, as do their hues. There are flowers to represent friendship, romance, sympathy, well wishes, and more.

Here’s a quick guide to the best blooms for a variety of occasions.

For anniversaries and Valentine’s Day: Red and pink roses are representative of love and passion, making them a timeless choice. For something less obvious, tulips also signify love. Stay away from yellow, as the color most commonly symbolizes friendship.

For sympathy: Lilies, daisies, and roses are suitable options for flowers you’re sending or bringing to a grieving person’s home. Funeral flowers are different; these are often large, specialized wreaths or baskets delivered to the funeral home by the florist. It’s important to note that flowers aren’t appropriate in the Jewish mourning tradition.

For those who are sick: Get-well flowers differ depending on whether the ill person is at home or in the hospital. If he or she is in the hospital, stay away from highly fragrant flowers, which might be irritating to patients. Tulips are your best bet. If the person is at home, a houseplant, which offers more permanence and whose greenery can signify life and well-being, is a nice idea.

For friends: Whether it’s to say thank you or just because, the best flowers for friends are their favorite variety. Not sure what they like? Opt for orchids, lilies, daisies, or carnations (just not yellow carnations, which represent disappointment).

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7 Great Reasons to Consider a Dash Cam

Wed, 30 Jan 2019 10:12:00 GMT

Evidence of what occurred.

Car insurance providers in the UK offer customers a 10 to 15% discount if a dash cam is installed in their vehicles. A New York bill, if passed, will offer a 5% discount.

Get out of a ticket.

In New York a driver had their ticket waived because their video showed they were scratching their ear–not talking on their phone.

Help Fight Insurance Fraud.

Help stop “crash for cash” by drivers and pedestrians. Learn more at What is Crash for Cash ?

Review your teen’s driving skills and Make yourself a better driver.

Periodically reviewing driving will help everyone note areas for improvement.

Capture proof of vandalism or break-ins and Capture unexpected or wonderful events! Relive great road trips or photograph meteors like those caught on dash-cam in Russia.

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Car Shopping? Look for These Safety Features

Mon, 28 Jan 2019 07:31:00 GMT

Not all cars are created equal. Some offer greater speed. Others offer better gas mileage. Another important difference is safety. Did you know certain safety features can reduce insurance costs and claims? To protect your passengers and your wallet, look for some of these top safety features the next time you’re in the market for a new vehicle.

Crashworthiness: If you’re considering a car, check out its crashworthiness rating. This indicates the vehicle’s ability to reduce the risk of injury and death during a crash based on its roof strength, front and side structures, head restraints, and seat design. You can look up a specific vehicle’s rating on the Insurance Institute for Highway Safety website.

Size and weight: A tank offers more protection than a smart car does. But bigger isn’t always better. An SUV may be more likely to roll over than a sports car. Be sure to review all factors of size and weight as you choose your vehicle. The safest option is typically a midsize sedan with a high safety rating.

Restraints: Modern vehicles offer far more than a simple seatbelt. For the best restraint systems, look for side airbags, locking head restraints, and lap and shoulder belts with crash tensioners. For steering column airbags, make sure you can reach the pedals without putting yourself too close to the steering wheel, as close proximity can cause serious injury if the bag is deployed. You need at least 10 inches of clearance for safety.

Daytime lights: Many cars now feature daytime running lights that are activated when you turn on the car. These make vehicles more visible to other drivers and decrease the chances of daytime accidents.

Backup cameras: Rear-view video systems allow you to see the area behind your vehicle when you drive in reverse. These cameras can be very helpful in avoiding collisions with cars, objects, and pedestrians.

Additional safety features such as anti-lock brakes and warning systems can help you steer clear of crashes and further reduce the likelihood of claims. Check with your insurance provider about potential discounts on premiums based on specific vehicle features.

Most importantly, stay safe out there!

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5 Quick Car Hacks to Keep Your Ride Sharp

Thu, 24 Jan 2019 07:00:00 GMT

Some car owners are fastidious about vehicle maintenance. For others, upkeep happens only when it’s really needed (like when the layer of crushed Goldfish crackers on the floor becomes unbearable). Want to become a more attentive car owner? These car hacks can help.

(1) Find a bottle of nail polish in a similar shade as your car and keep it in the glove compartment for concealing small scratches.

(2) To prevent dings, cut a pool noodl e in half lengthwise and bolt it to your garage where the car door meets the wall. (3) Use a slim plastic cereal container as an in-car trash can.

(4) For extra storage, install a mesh bungee net from the car’s interior overhead hooks. (This is also a safety feature to keep loose items stowed.)

Have small kids? (5) Keep Magna Doodle toys in the car; they work as both eating trays and entertainment.

Did you know that it has been proven that you drive more carefully and safely if your car is clean? Enjoy the ride and be safe out there!

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Bad Driving Habits You Might Not Know You Have

Mon, 21 Jan 2019 12:18:00 GMT

Not many drivers think of themselves as being “bad” behind the wheel, but even great drivers can make mistakes. When you’ve been driving for long enough, bad habits can start to creep in and go unchecked.

Let this be your reason to check them. Here’s a look at three of the most common bad driving habits that you might not know you have .

Not looking to the right when turning right: You’re waiting to make a right turn at a stop sign or a red light. You look left to make sure there’s no oncoming traffic. But do you look right ? This is a very common mistake with very grave potential consequences. Pedestrians may be crossing in front of your car, in the direction of the green light. Without checking your right side, you could easily hit them.

Giving right-of-way to someone else: Following the rules of the road, including right-of-way, is what keeps everyone safe. While waving someone else through and giving them right-of-way might seem like a polite gesture, it could be more trouble than it’s worth. This may confuse other drivers who are expecting you, not another car, to turn or proceed.

Turning your wheels while waiting to turn: This seems like a pretty benign action, right? Wrong. Your wheels should always be positioned straight ahead, even when you’re briefly waiting for a car or pedestrian to clear the path of your turn. If your wheels are turned and another car hits you from behind, you could be pushed into traffic, endangering yourself, pedestrians, and other drivers.

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Give a Man a Fish or Teach a Man to Fish?

Tue, 15 Jan 2019 08:20:00 GMT

As an employer, are you delegating or training?

A delegator is someone who assigns tasks and allocates responsibilities. A trainer looks for ways to give employees additional responsibility; helps them acquire the skills, confidence, and capabilities to succeed; and supports them as they progress.

Managers must do both; but training must happen before and during delegation so employees are equipped to handle their assigned tasks.

It’s true that training is a time-consuming endeavor that entails ongoing monitoring and mentoring. But when you assign someone a task without providing sufficient guidance, coaching, and support, you set them up to fail.

How can you establish a successful system of training and delegating? Before investing in a training regimen, look for those who are truly motivated to move up in the organization and then identify their areas of interest. The next step is to create a development plan for them that zeroes in on the skills they need to advance. Focus on giving them assignments that call for those skills, as well as tasks in areas they might want to explore.

Structure the experience so that they are able to work their way up to more complex and challenging tasks. Be aware that people often need a nudge to focus on their weaknesses.

Keep in mind that taking on employees as apprentices requires effort. Your own productivity may suffer temporarily as a result of the time you spend mentoring others. But when you make this kind of training a regular part of your job, you multiply yourself and ultimately increase your team’s productivity . As the saying goes: teach a man to fish…

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General Liability vs. Professional Liability– What’s the Difference?

Fri, 11 Jan 2019 06:36:00 GMT

Business professionals bear the burden of responsibility in two distinct arenas: general liability and professional liability. Both types of coverage are necessary to secure sufficient protection for your business.

Here’s the difference:

General liability offers protection against costs associated with property damage, medical expenses, settlements, and slander.

For example, if a customer comes into your store, slips, falls, and sues your business for his medical costs, your general liability insurance will pay for these expenses. Another general liability situation would be a contractor who causes damage to a client’s home and is sued for repair costs.

Professional liability protects your business against claims that you did not do your job properly. In other words, any time you offer a professional opinion or perform a duty, you are professionally liable for the results and are vulnerable to lawsuits.

For example, an accountant who offers tax advice might be sued by a client who loses money after taking that advice. Another company might be sued after failing to file important documents appropriately.

Professional liability insurance is also called Malpractice Insurance and Errors and Omissions Insurance. When business owners hear these terms, they may assume this coverage is necessary only for doctors and similar professions. However, even an honest clerical mistake can be considered an error in professional services and result in a lawsuit.

To fully protect your business, consider holding both types of policies. Your insurance agent can help you determine the coverage that is best for your operations.

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Can You become a Millionaire by Brown-bagging it?

Tue, 08 Jan 2019 06:57:00 GMT

2019–Save money, Get Healthier

Eating out during the work or school day is fun and convenient. There’s no scrounging in the cupboards for something to prepare, searching for forks when you forgot yours at home, or eating cold spaghetti when the office microwave is out of order. But what’s better than convenience? Keeping money in your wallet .

The fact that packing lunch is cheaper than buying lunch isn’t surprising. What is surprising is just how much money you can save by brown-bagging it. In fact, some simple math might be enough to convince you to do away with takeout lunches permanently.

Let’s say your preferred takeout lunch is a deli sandwich with a drink. With taxes, your total is about $10. If that’s your lunch choice five days out of seven, you’re spending $50 a week, $200 a month, $2,600 each year .

What if you make that same sandwich at home? Maybe the ingredients (a loaf of bread, cheese, and sliced meat) cost you $15 up front, and they make about five sandwiches. Now your cost is $3 per sandwich, for a total of $15 a week, $60 a month, $780 a year. That’s a yearly savings of $1,820!

There’s another kind of savings that comes with bringing your own lunch: calories . While how many calories you can save depends on what you choose to bring, home-cooked meals are typically more healthful than takeout.

No, this lunch switch won’t make you a millionaire. Still, with fewer calories and lower cost, all these savings might make that brown bag look more enticing.

Give it a try for 30 days. It is proven to take 30 days to form a new habit…and you will save some money and calories trying.

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Your Smartphone can make your Insurance Smarter

Thu, 03 Jan 2019 18:28:00 GMT

Your Smart Phone Can Help You Organize, Understand and Access your policy information. Life happens fast–Protect What Matters Most!

It seems like there’s an app for everything these days. Insurance is no exception.

With a helpful app, you can enhance your insurance coverage with additional features and convenience. Using the right app can keep your policies organized and allow you to prepare for situations that require claims.

For example, do you have an evacuation plan in place that your family can use if disaster strikes? An app can help you plan ahead so everyone knows what to do and where to go during a natural catastrophe.

Develop the plan in your app, then share it with family and friends. Preloaded checklists and preparation steps offer guided tools to assist you.

An insurance app can also keep all your policy and carrier information organized and easily accessible. If you need to file a claim, use simple guides to walk you through the process and track your progress.

As with most apps, a host of options is available. The Insurance Information Institute recommends the Know Your Plan mobile app, which offers disaster preparation. This award-winning app allows you to use premade lists or create your own, make notes, and share these digital documents with others.

Your insurance provider may also offer an app specific to your coverage. Common features for these apps include digital insurance ID cards, virtual assistance, and bill pay options.

Check with your agent to find out whether you can download a company-specific app or another recommended app to make your insurance plan even smarter. Any questions, please call Michele or Kristin at 720-683-0010 or email us at info@rpmagency.com.

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