Taking Care of Your Digital Self, Part 4: Records & Documents

Protect your records and documents from identity theft.

More than 40 percent of Americans have experienced fraudulent credit card charges. With the increase of online shopping and banking, fraudulent card use shifted in 2016 from stolen or counterfeit cards being used in-person to the account numbers being used remotely. This means it is more important than ever to regularly check statements. While your card may be in your wallet, that doesn’t mean it isn’t being used by a criminal somewhere. But it’s not just your financial accounts that are targeted by identity thieves. Health insurance statement of benefits may alert someone that their identity was used to obtain medical services or prescriptions, known as medical identity theft. Read More

Noah’s Flood Insurance

Don't Wait! Be prepared with Flood Insurance from D.F. Dwyer. Noah famously built the Ark during a drought!

According to FEMA flooding is the most common natural disaster in the United States, affecting every state. Although in many cases the causes of flooding are dramatic, including storms, tidal surge, dams or levees breaking, it is important to remember that floods can happen anytime, anywhere—to anyone. An extended rainy period, snowmelt or backed-up storm drain could bring inches of water into your home and cause thousands of dollars in damage to walls, floors and furniture. Read More

How To Make A Home Inventory

Home Inventory

The things you value are part of your everyday life – so much so that you might not even be able to list them if they weren’t there.

That’s the value of a home inventory. Making a detailed list of what you own ensures that you won’t overlook anything if you have to recall what was in your house should it be lost by fire, theft or other circumstance. Start by assembling the tools for documenting what you own and by figuring out how you will store the inventory list. Read More

Key Ways to Prevent Water Damage from Frozen Pipes

Frozen pipe bursts

 

When the temperature falls to 32ºF or below, you can prevent water damage from freezing pipes by taking a few simple steps.

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21 Winter Driving Tips

Winter Driving Safety Tips

Driving in Winter? Be Prepared and Stay Safe.

Avoid cold weather driving disasters with these tips

Snow, sleet, ice and below freezing temperatures all have an effect on driving conditions. During winter, safety depends on driver performance in winter hazards, good vehicle maintenance—and common sense. These tips will help you and your car weather the winter. Read More

Taking Care of Your Digital Self, Part 3: Account Statements

Protect Your Digital Self: Check Account Statements

More than 40 percent of Americans have experienced fraudulent credit card charges. With the increase of online shopping and banking, fraudulent card use shifted in 2016 from stolen or counterfeit cards being used in-person to the account numbers being used remotely. This means it is more important than ever to regularly check statements. While your card may be in your wallet, that doesn’t mean it isn’t being used by a criminal somewhere. Read More

7 Winter Worst Case Scenario Tips

Blizzard Nemo, Newport, Rhode Island February 2013

According to the 2019 Old Farmer’s Almanac Forecast we can expect a milder than usual winter. Meteorologists agree, factoring a weak El Nino effect into their long-range predictions. We hope that these forecasts are correct, but living in New England we know that anything can happen in our mercurial coastal climate and that we must to be prepared. (Remember last January’s “bomb cyclone?) Like carrying an umbrella to prevent rain, here are 7 Worst Case Scenario Tips to tuck away for a frozen day… Read More

Taking Care of Your Digital Self, Part 2: Credit Reports

Protect Your Credit Report

Checking your credit report regularly helps to ensure that someone else isn’t using your name to open credit cards, apply for loans, or start new utility services and leaving you to foot the bill. Fraud that impacts your credit report can decimate your credit and good standing, making future financial decisions even more complicated and costly. Read More

What is Your Home Really Worth… to You?

Homeowner's Insurance

As Property Values Continue to Rise, Insure That You Can Replace it!

If you are a home seller, you are no doubt aware of the significant increase in home values over the past seven years, if you are a homebuyer; perhaps this is not such great news for you. But if you have been happily living in your home with no intention of buying or selling, you may not realize that according to Zillow, the market value of homes in our area has increased by nearly 40% since 2012! While reconstruction costs differ considerably from market value, particularly for older homes, it is nonetheless important to periodically reassess the coverage you would need in the event that your home is damaged and you choose to re-build or destroyed and you elect to move on in today’s more expensive housing market. Read More

Taking Care of Your Digital Self: Intro

Taking Care of Your Digital SelfEvery day we follow little steps to take care of ourselves and make sure we stay healthy. We brush our teeth twice a day; go to the doctor for our annual check-up; see our hair stylist or barber regularly. We want to look and feel our best each day and for the long term. However, as our lives become more and more digital, we often ignore an important something that needs care as well: our identities. The old saying “an ounce of prevention is a worth a pound of cure” is true for both our physical health and digital lives. We need to manage our identities just as we would other aspects of our physical, financial and emotional health. Identity hygiene refers to ongoing proactive maintenance that individuals, families and organizations take to ensure that their sensitive information remains as safe as possible. Read More

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