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3 More Cyber Security Myths

By Cyber Security Awareness

cyber-feb-2016-1We’ve covered the subject of cyber-security myths before, but all it takes is one critical misunderstanding to harm your network, and we could write a phone book’s worth of content on all the misunderstandings floating around out there.

The Internet’s Safer Now

Some users are under the impression that the Internet is no longer the Wild Wild West that it was in the late nineties and early 00’s. Your computer is probably safer, cyber-security software has gotten more advanced, the general public has gotten smarter about web safety, but the Internet itself is still a Petri dish of viruses and worms that have only had greater opportunities to evolve and proliferate over the last two decades. Viruses don’t disappear from the Internet, they keep floating around out there, finding new means of distribution. The Internet is more dangerous than ever, we’ve just gotten a lot tougher.

Security is the Tech Team’s Job

Put simply: leaving security to the techies on staff is a little bit like leaving a tire to the mechanic when it’s low on air. There are a lot of things that you and the rest of your team can do to make the tech team’s job a little easier, and to keep the ship running a little more smoothly. Brief your people on basic security protocol, and you’ll be far less likely to have your tech guy come to you saying that he needs to hire three more people to handle all this extra workload.

It’s All in the Cloud, so What’s at Risk?

Your definition of valuable data might not quite be the same as a hacker’s. You’re thinking about work-related data and personal information. A hacker is looking for any access they can find. A hacker who gains access to your network might not even have any interest in accessing the encrypted information you keep on the cloud, they might be satisfied with simply using your system as a proxy through which to attack other users. Your system is a gateway, it isn’t just a locker for sensitive data, so keeping it empty won’t keep it safe.

Keeping your network safe isn’t that great of a challenge. All it takes is the right software, a little bit of common sense, and a basic sense of responibility. Invest a little time, money and effort into your system, and it’s not hard to keep it running clean.

7 Ways to be a Team Player at Work

By Your Employee Matters

em-feb-2016-4Most employers appreciate team players who put the goals and interests of the company and their coworkers before their own agenda. As a team player, you’ll also enjoy your job and coworkers more as you learn to play nice. Here are seven ways to become a team player at your job.

    1. Meet Deadlines
      Group projects typically rely on everyone doing their assigned tasks. If you procrastinate, the entire team must wait for you, and the company could suffer. Make every effort to meet deadlines as you show that you’re dependable, reliable and trustworthy.

    1. Avoid Politics
      It’s a good idea to avoid discussing personal political views as you build camaraderie at work, but look out for office politics, too. Don’t get sucked into gossip sessions, avoid attempts to sabotage others and stay out of power struggles. By being neutral, you see all sides, make smarter decisions and maintain your ability to work well with everyone.
    1. Be Candid
      In the past, company culture viewed team players as the employees who did their jobs without asking questions. Today, many employers prefer employees who are willing to step up and be candid. That means you can offer constructive criticism and make helpful suggestions that support the organization as a whole.
    1. Be Active
      Everyone loves a coworker who’s active and gets things done. Being active doesn’t mean you do all the work, but you are willing to pitch in when you see a need, step up and help as necessary and take a leadership role.
    1. Adapt Quickly
      The workplace as a whole is becoming increasingly diversified and globalized. You’ll stand out as a team player if you can accept and handle change. Consider how you collaborate with team members from another location or learn new technology. If you embrace change and accept it, you’ll become known as a team player.
    1. Check Your Attitude
      The way you think about your coworkers affects how you treat them and your status as a team player. Instead of approaching coworkers with mistrust, negativity or pessimism, assume from the start that your teammates are capable, engaged and dependable.
    1. Appreciate Unique Work Styles
    Everyone works differently. Instead of demanding that your coworkers act like you, study your coworkers’ unique work styles. You can then accept what each person brings to the table, appreciate different contributions and create a well-rounded team that works well together and gets things done.

Being a team player goes a long way toward creating a productive and pleasant work environment. What can you change to ensure you’re being a team player?

What You Can do About a Wrongful Termination

By Your Employee Matters

em-feb-2016-3As an employee, you work at will. That means you are free to leave your job whenever you want. You also can be fired without notice or cause. Despite this truth, you can’t be fired for an illegal reason. Know your employee rights in case you face a wrongful termination.

Read Your Employment Contract

Both you and your employer must honor the employment contract, including any part that suggests you are not an “at-will” employee. For instance, your contract might state that you can be fired if you do not achieve certain sales quotas or other benchmarks. Get fired for any other reason, and you may have grounds to file a wrongful termination suit.

Illegal Reasons for Terminating an Employee

Your employer cannot fire you for these reasons.

  • Whistle blowing – In certain cases, you can violate your employment contract and be protected from termination. Examples of whistle blowing include informing an employer about sexual harassment, seeking to form a labor union, informing a federal agency of violations by your employer or participating in an official investigation of your employer’s practices.
  • Discrimination – You cannot be fired because of your race, age, national origin, ethnic background, gender, disability, pregnancy or religion.
  • Violation of employee protection laws – Your employer cannot legally fire you if the termination violates OSHA guidelines or the National Labor Relations Act. Also, you are protected from termination if you sit on a jury, take medical leave, serve in the military or take time off work to vote.

If you believe you’re fired for one of these reasons, take action.

Compile Evidence

The Equal Employment Opportunity Commission (EEOC) needs written documentation of a wrongful termination. Write down as many details as possible that support your case, including dates, times, locations and people involved. You should also keep written performance reviews and any disciplinary notices you receive.

File an Official Complaint

Your next step is to file an official complaint with the federal Equal Employment Opportunity Commission. Follow the time limit guidelines or your case will automatically be dismissed. If your case is merited, you can file an EEOC Charge of Discrimination form. The EEOC will then interview your former employer and attempt to settle the complaint.

Hire a Lawyer

While the EEOC handles most wrongful termination claims, investigations can take up to three years. You may decide to hire a law professional who will evaluate your wrongful termination claim, assist you in assembling proof of your case, file necessary paperwork and negotiate with your former employer.

Wrongful terminations are illegal. Understand your rights as an employee and the steps you should take if you believe you’re the victim of a wrongful termination.

Facts to Know Before You Hire a Domestic Laborer

By Your Employee Matters

em-feb-2016-2A domestic laborer makes your home life easier. You could also land you in hot water with the IRS or face expensive liability bills, though, if you don’t follow certain laws. Whether you hire a nanny, gardener or cook, understand several facts before you hire a domestic employee.

Who’s Considered a Domestic Laborer?

Domestic laborers or domestic service workers provide a service around your private home. They may live with you or live in their own homes and can work as:

  • Babysitters
  • Chauffeurs
  • Caretakers
  • Companions
  • Cooks
  • Gardeners
  • Handymen
  • Home health aides
  • Housekeepers
  • Nannies
  • Nurses
  • Personal care aides
  • Waiters

What Wages do you Have to Pay a Domestic Laborer?

Federal laws require you to pay a domestic laborer minimum wage for up to 40 hours of work per week. Overtime pay is one-and-a-half times the current minimum wage in most cases.

Is Your Domestic Laborer an Employee or an Independent Contractor?

A domestic laborer could be considered an employee or an independent contractor. You have to know the difference to ensure you remain compliant with labor laws.

An employee:

  • Works solely for you
  • Follows your directions for the work day
  • Uses your tools and equipment
  • Relies on you to prepare the payroll, withhold taxes and carry liability, Worker’s Comp and other insurance coverage.

Before you hire an employee, get an employer identification number at www.irs.gov. Also, check the individual’s immigration documents and verify that the person is legally eligible and authorized to work in the United States. An independent contractor:

  • May work for multiple clients
  • Owns and uses his or her own tools and equipment
  • Bills you for the hours worked
  • Carries their own insurance and pays their own taxes

You need no special paperwork or permission to hire an independent contractor.

What are Your Alternatives to Hiring a Domestic Laborer?

Because employment laws are complicated and carry heavy fines for non-compliance, consider two options.

  1. Hire a company. You pay the company, and it sends qualified workers to your home. The company also handles payroll and pays for insurance coverage and employment taxes.
  2. Go through an agency. As a third-party, an agency vets potential individuals who can perform services for you. You may choose the individual who works in your home and pay the agency. In most cases, the agency will take care of the payroll, taxes and insurance paperwork.

A domestic laborer assists you in your home, but you need to understand the laws and guidelines before you hire someone. Talk with your insurance agent, too, to ensure you have adequate coverage for your domestic helper.

Do You Need Insurance For Your Side Gig?

By Your Employee Matters

em-feb-2016-1Start a side business making birthday cakes, doing tax returns or playing guitar at weddings, and you bring in extra money and pursue your passion. Your homeowner’s, renters, auto and personal insurance policies might not cover your business venture, though. Learn more as you protect yourself and pursue your side gig.

What are the Risks of a Side Gig?

You may have thought of the financial risks of starting a side gig and considered how much time it would take. But there are other risks you need to consider depending on what type of business you run. Possible risks include:

  • You store sensitive client information on your laptop, and it’s stolen.
  • The UPS driver delivers a business package to your front door, slips on the steps and breaks her foot.
  • Your dog bites a client’s hand during a consultation in your home office.
  • Someone has an allergic reaction to the birthday cake you bake.
  • You’re in a car accident while delivering products to a client.
  • A broken water pipe destroys the inventory you store in a spare closet.
  • A promotional picture on your website features people who did not give you permission to use their photos.

These are only a few possible scenarios of things that can go wrong when you operate a business from your home. In these circumstances, you are liable for damages, including medical payments. Without the right insurance, you could face a lawsuit or bills that put you out of business and jeopardize your home, vehicle and other assets. Business insurance provides you with a layer of protection and gives you peace of mind.

How Much Does Business Insurance Cost?

The average business policy costs between $300 and $500 per year. Your specific business, inventory and assets determine how much coverage you’ll need and what the policy will cost.

What if You’ve Got a Sharing Gig?

Maybe you drive for Uber or have your home listed on Airbnb. Find out if your personal insurance policy covers liability if someone is injured while riding in your car or has valuable jewelry stolen while spending the night in your home. You may not have adequate liability, medical payments, comprehensive or collision coverage in your current policies.

In these cases, research a rider or endorsement. It’s an add-on policy that boosts your current coverage and protects you in case something goes wrong.

While operating a side gig might be a good fit for you, make sure you and your business are insured. Spend time discussing your needs with your insurance agent, and invest in the right insurance for your side gig.

Questions To Consider For Your Home Insurance Checkup

By Personal Perspective

pp-feb-2016-4 (1)When was the last time you did a home insurance policy checkup? This important update ensures you have adequate coverage that will cover thefts, loss or damages, and it verifies that you aren’t paying for coverage you no longer need. Consider these questions during your next home insurance checkup.

Did you renovate or remodel your home?

Any changes to your home’s structure or size could affect the amount of insurance you pay. Even turning a basement into a third bedroom or adding a deck can increase the amount of insurance you need.

Did you install a burglar alarm?

An alarm system may lower your insurance costs and help you save money.

How much coverage do you really need?

Many homeowners overestimate or underestimate the value of their home and its contents. Use your property assessment to figure the value of your home, and remember to include outbuildings. A home inventory will give you an accurate value of your home’s contents and help you purchase the right amount of coverage.

Have you added new valuables or collectibles to your home’s inventory?

Your current insurance policy might not cover your newly-inherited jewelry or your new art collection. Find out if you need a specialty policy or endorsement to cover these valuables.

Do you have replacement value or actual cash value coverage?

Replacement value describes the amount of money you would need to replace your home or its contents with materials or goods of similar quality to what you have now. Actual cash value describes the amount of money you would need to repair your home or replace contents after calculating depreciation.

Did you start a home-based business?

Working from home in any capacity means you may need extra insurance. Share the details of your business with your insurance agent and verify that your business ventures are covered.

Do you need flood or earthquake coverage?

No matter where you live, you can benefit from flood and earthquake insurance coverage. Ask your home insurance carrier if these optional insurance policies are available as you protect your home.

Can you afford the deductible?

The deductible on your insurance policy affects the annual premium costs. Calculate how much deductible you can comfortably afford and raise or lower it on your insurance policy.

How frequently do you pay premiums?

Switching to an annual payment, if that’s an option, lowers your annual costs.

At least once a year, evaluate your home insurance coverage. Verify that you have the right amount and type of insurance for your needs.

PP 3 Feb 16 Car Insurance Options After a DUI

By Personal Perspective

pp-feb-2016-3Get charged with a DUI, and you typically lose your license for one to six months. Your auto insurance coverage and rates will also be affected. Learn what you can do to find coverage and earn affordable insurance rates after a DUI.

Understand Insurance After a DUI

Every state has strict laws that prohibit driving under the influence. However, each insurance company uses slightly different criteria to evaluate your risk as a driver. Companies consider your traffic and driving violations differently, too. For example, some companies punish at-fault accidents more severely than DUIs.

Typically, your risk and rates are based on several factors, including:

  • Age
  • Marital status
  • Credit rating
  • Employment status
  • Driving history
  • Other violations (speeding, recklessness, drug possession) that occurred at the time you received the DUI

After a DUI, your insurance company will look at these factors and decide how to handle your policy. They may continue insuring you at a rate increase or drop your coverage.

How to Qualify for Insurance After a DUI

If your current insurance coverage is significantly raised or dropped, you may still be able to get coverage. Contact national and local insurance agents, and ask for free quotes. To ensure you receive the most accurate quotes, tell the truth about details like your age, marital status, address and traffic violations, including your DUI. Also, use the same coverage limits for each quote.

Investigate SR-22 Proof of Insurance

Many DUI offenders use the SR-22 form to verify that they have insurance coverage. It’s designed for drivers with serious violations like DUIs, violent crashes and excessive speed. You still need to maintain the minimum insurance requirements for your state, but this form shows that you have auto insurance coverage.

The SR-22 is filed with your state’s department of motor vehicles or department of licensing by you or your insurance agent. In many cases, this form is necessary for up to three years after a situation where your driver’s license is suspended.

Lower Your Rates After a DUI

Of course, maintaining a pristine driving record after a DUI and keeping your credit score high will help your rates go down. Additionally, you can ask for a new quote every year. Be sure to notify your insurance company, too, after you move, when you buy a different vehicle or when you switch jobs. These actions might help you earn more affordable insurance rates.

While obtaining auto insurance after a DUI is challenging, it isn’t impossible. Try these tips and talk to your agent about other options that might assist you in finding the coverage you need.

How To Keep Pipes From Freezing

By Personal Perspective

pp-feb-2016-2 (1)Dropping winter temperatures affect your home in numerous ways, including your water system and pipes. If the system or pipes freeze, you and your family will experience an inconvenient and expensive mess. Use several tips that prevent this mess.

    • Insulate pipes in unheated areas of your home, such as the attic, basement or crawl spaces. If you live in a moderately cold climate, foam pipe insulation will work. Use thermostatically controlled heat tape if you live in a severe climate.
    • Protect pipes located in exterior walls of your home with extra insulation. That may mean removing part of the wall to get insulation on the pipes, but you can check for and repair any water damage or mold growth as you complete this project.
    • Turn off outdoor spigots and disconnect hoses. A frozen garden hose can expand pressure in the entire plumbing system of your home. Disconnect and drain the hose, then close off the valve to outdoor faucet as you protect your house.
    • Allow five drops of water per minute to drip from faucets when temperatures plummet. This action keeps the water moving and can slow the freezing process.
    • Open cabinet doors that cover kitchen and bathroom plumbing. Your home’s warm air can then circulate around exposed pipes and protect them from freezing.
    • Wrap warm towels around slow pipes. The warmth may loosen accumulated ice and assist your water system in operating properly again. To warm the towels, place them over the pipes and pour boiling water on top or make the towels wet first and place them over the pipes.
    • Use a hairdryer or heat gun to blow hot air directly on freezing pipes and melt ice. Remember to avoid using any heating tool with an open flame so you don’t burn your pipes.
    • Shut off the water if your pipes are already frozen. By preventing additional ice from forming, you reduce the risk of flooding your system, and you make cleanup easier.
  • Winterize your pipes before you head south for the winter. Set the furnace to at least 55 degrees, and shut off your home’s main water supply. You’ll also want to drain the water system by opening the faucets and flushing the toilets.

Protecting your home’s pipes from freezing this winter means you avoid the inconvenience of not having indoor water and an expensive repair. In addition to following these tips, update your home insurance. It can cover necessary repairs that occur if your pipes freeze despite your efforts to keep them running properly.

Do I Need Wedding Insurance?

By Personal Perspective

pp-feb-2016-1You spend months and thousands of dollars on creating the perfect wedding day. From the invitations to the reception, you want everything to be perfect. All your best planning can’t prevent poor weather, vendor cancellation or lost photographs, though. Consider the benefits of wedding insurance as you protect your special day. What Is Wedding Insurance?

Wedding insurance reimburses you for lost items associated with your big day. Maybe your gown is damaged as you transport it from your home to the venue, the caterer cancels at the last minute or one of your wedding presents is stolen. Use wedding insurance to reimburse your financial losses.

What Does Wedding Insurance Cover?

Basic wedding insurance covers problems with the wedding and reception site, vendors, key people, weather, injury and sickness. You can also purchase additional coverage for the photography, videography, gifts, attire, medical payment, personal liability and honeymoon. Keep in mind that wedding insurance usually doesn’t cover cold feet, precious jewels on the dress or jewelry.

For a complete list of what your wedding insurance will cover, check your policy. It usually includes a deductible and a limit on the maximum amount of coverage it provides.

How Much Does Wedding Insurance Cost?

Typically, wedding insurance coverage will run you between $150 and $550. The total cost depends on which types of things you want to insure and on the amount of coverage you want. As a reference, general liability insurance covers accidents and costs an average of $185.

Is Wedding Insurance a Necessity?

Before you buy a wedding insurance policy, do your homework. Ask each of your vendors if they have their own insurance policies. If so, you can examine copies of their policies and make sure you’re not purchasing overlapping coverage. If they don’t have insurance, consider whether or not you have enough money to cover a cancellation, loss or other unforeseen circumstance. Also, decide if you need the peace of mind insurance can provide.

When Should You Buy Wedding Insurance? If you decide to purchase wedding insurance, buy a policy as soon as you start booking venues. Be sure to ask your insurance company if they have a limit on how long a policy can be in place.

Your wedding is one of the biggest and most special events you’ll ever plan. Protect every detail of the day and your peace of mind with wedding insurance. Your agent will discuss your wedding details and assist you in finding the right coverage and policy for your needs.

6 Times to Reevaluate Your Life Insurance Coverage

By Life and Health

lh-feb-2016-4Life insurance provides financial compensation to your loved ones after your death. Your policy is not like a slow cooker where you set the timer and walk away, though. You’ll need to reevaluate your policy when six life events occur.

Get Married

When you get married, your spouse depends on your income and contributions to the home. Take a look at your insurance policy. Is the death benefit adequate for your life partner in case something happens to you? Update your policy or purchase a secondary policy, and make your spouse your primary beneficiary of the benefits. You can also purchase a life insurance policy for your spouse as you give him or her peace of mind.

Have a Baby or Become a Primary Caregiver

Add a baby to the family, adopt a child or begin caring for an aging parent, and you now have another dependent who relies on you for support. Life insurance benefits help to pay for expenses associated with dependent care. In addition to ensuring your policy provides adequate financial assistance, consider making your dependent a secondary or contingent beneficiary on your policy.

Buy or Sell a House

Mortgage payments are probably a significant portion of your monthly budget. Could your surviving spouse pay the mortgage and other household expenses without your income? Make sure your life insurance policy covers the mortgage repayment if you die before the house is paid off. If you downsize or repay the mortgage, consider cancelling the policy if you no longer need it.

Incur or Pay Off Significant Debt

Student loans, credit card bills and other significant debts put a damper on your monthly budget. Repaying those expenses could also affect your survivors. Ensure your life insurance policy covers any significant debt repayment as you care for the people you love. Once the debt is repaid, you can decide if you wish to keep or cancel the policy.

Experience Income Changes

Lose a job, switch jobs or get a large raise, and you’ll also want to check your life insurance policy. Make sure it provides adequate resources to replace your income. Ideally, your policy should be at least five-to-10-times your annual salary.

Begin Planning for Retirement

As you begin planning for your future retirement, remember to update your life insurance policy. The benefits can assist your surviving spouse in maintaining his or her current lifestyle, traveling the world or covering nursing and medical care. With it, your spouse has peace of mind and financial security even during the retirement years.

Life insurance provides peace of mind. Regularly evaluate your policy with your insurance agent to ensure it meets your needs.