December 2012

Lawmakers Taking Steps to Stop Cyberbullying

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December 27th, 2012

Cyberbullying is still a topic that schools and parents continue to wrestle with. According to Francisco Negron, Chief Counsel for the National Association of School Boards, “Until the Supreme Court takes up this issue, the law still lags behind  the reality of how we live.”  See what districts around the country are doing to take» Read Full Article

5 Medical Conditions that Raise Life Insurance Rates

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December 20th, 2012

According to Kiplinger, there are five medical conditions that will affect your life insurance rates the most. But it’s the rankings that will most likely suprise you! Heart disease – is the number one condition that will affect your life insurance rates! Diabetes – will cause higher premiums but if it is manageable with medication» Read Full Article

The Virtual Doctor Will See You Now

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December 18th, 2012

Virtual doctors, once use only for very secluded areas, has become part of the solution to control health care costs. Employers are now using virtual doctors for their employees – connected right in their office. It’s all about lowering health care costs and making employees more productive. This is a quick and facinating read in Inc. magazine about» Read Full Article

Discounts on Home and Auto Insurance for Professional Groups

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December 17th, 2012

One of the many advantages of working with an independent insurance agency like R&R Insurance is that we represent many different insurance companies.  We are not a “one size fits all”, or “call 1-800 for no real service or no real relationships” type of agency.  The benefit to our clients is that we find the» Read Full Article

Jewelry, Collectible Items, and Furniture: Does Your Policy Cover Their Full Value?

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December 14th, 2012

While furniture, clothing, and electronics are covered under your homeowner’s or renter’s policy;  jewelry, works of art, valuable collections (coins, etc.) may not be covered up to their full value depending on the type of loss and endorsements included in your policy.  That means, that unless it is specifically scheduled on your policy, the beautiful necklace your husband gave you last» Read Full Article

Let’s Make a Deal: How to Get the Best Price

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December 14th, 2012

Everyone likes a good deal! You also need to make sure you are getting good quality before you just fall for the price. We have a few tips to help you be a savvy shopper: Make a list … and stick to it! Check price-comparison sites, such as PriceGrabber or Shopzilla to get a manageable number» Read Full Article

Holiday Hazards for Your Dog

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December 13th, 2012

Holidays don’t need to be dangerous, they need to be celebrated! We have some pointers of things to watch out for so you and your favorite four-legged friend remain jolly! 1. Chocolate is everywhere during the holidays. Dogs are at risk for chocolate toxicity, which by itself is rarely fatal when treated.  The darker and stronger chocolate put» Read Full Article

72% of Women Will Need Long Term Care After Age 65

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December 9th, 2012

For millions of Americans, celebrating an 80th, 90th and even a 100th birthday is increasingly likely. When you live a long life, there is a very high probability that you will need the type of care that’s referred to as long term care. 72% of women and 44% of men will need some form of» Read Full Article