Informative articles on insurance, safety and risk for you, your family or your business. Each article includes a link for you to share with anyone who may benefit.
Holiday traditions are not only a part of our respective regional celebrations, but they're also a distinctly integral thread woven through each of our families. Whether it's holiday cookie-making parties or Christmas Day sledding, Christmas Eve mass, or the lighting of the menorah, we are a diverse people rooted in traditions. While some of those traditions are deeply enmeshed in the spirituality of the season, others are about gathering, creating, and feasting our way into the new year. And still, others are just, well, we're not entirely sure what they're enmeshed in, but we're here for them.
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Few can forget the epic expletive-rich scene in which Clark Griswold is given a jelly of the month membership in lieu of his expected bonus in the holiday classic National Lampoon's Christmas Vacation. A longstanding tradition among small and large businesses alike, holiday bonuses provide a well-earned gift for valuable employees in appreciation for their hard work and commitment. Employees plan on these bonuses to offset increased holiday expenditures and often include them in their compensation expectations.
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We've said it before: the distinction between a small and large business is somewhat arbitrary. At what point in the business growth life cycle do you cross over? One way to answer the question is when your business no longer qualifies for a Business Owners Package Policy. The BOP bundles up several kinds of insurance protection in one policy. But as business become larger the risks they pose become more varied and difficult to address in one policy.
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It's an invisible facet of the aging process, but more critically linked to maintaining health, functionality, and autonomy than perhaps all else: brain health. From infancy to adulthood, the brain is in a constant state of growth, forming more than a million new neural connections every second in the earliest years of life and achieving 90 percent of its adult volume by age 6.
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With unemployment rates reaching all-time lows in many areas throughout the country and positive job projections on the horizon for the foreseeable future, finding employment should be as simple as showing up. And, in some sectors, that may be true: a record number of Americans left their jobs in 2021 and 2022, creating a market flush with openings. But many job markets and industries — those with great compensation, flexibility, and benefits, in particular — have remained highly competitive, and job seekers need to offer strong resumes, cover letters, and interviews to secure these desirable positions.
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Winter is coming, whether we're ready or not. Every year, despite all of fall's colorful warning signs, shorter days, and brisk mornings, the first blanket of white always seems to come as an abrupt surprise, dusting all that summer gear you never made it around to storing with regret. This year, no regrets! You're going to clean up, check, and double-check your way to being properly prepared. And here's how you're going to do it.
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Over the last decade, there's been a shift in the workplace, one that prioritizes the health and happiness of employees. For large corporations, like Facebook and Google, that might include time allotted to working out each week in an on-site facility, and for most, it's meant a shift in work schedules from in-person office time to hybrid models. This new "business as usual" allows increased personal freedom and an improved work-life balance for many. However, for managers, it has necessitated an overhaul of procedures to ensure traditionally effective business standards are met.
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After watching gas prices skyrocket, savvy buyers in New Jersey are thinking twice about big purchases like vacations, automobiles, and homes. While speculation seems to be vacillating between optimistic and decidedly less than, consumers are left with questions and not many answers. Does it make more sense to drain your savings to pay for a new vehicle or to finance with any number of loan options?
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