Category: General Articles

07 Sep 2017
Little Things That Cost Your Business Big

Little Things That Cost Your Business Big

How little details could cost your company big money.

If you’re trying to run a company, chances are you miss little details from time to time.  While these small expenses or mistakes may not seem important at that moment, over time they can compound and have a huge financial impact on your business.  Here are some of the most common overlooked details business owners should avoid.

Pay stubs

With the rise of direct deposit and programs that make it easy to automatically pay your employees, it’s easy to forget something as little as a pay stub.  However, it is mandatory by law that each employee receive a pay stub with every pay check.  While failure to provide a complete pay stub results in a fine as little as $50, this fine could add up tremendously.  Imagine that you have 15 employees and you forget to give out a pay stubs one payday.  This little mistake could result in a penalty of $750, and that’s just for a first offense.  A subsequent missed pay stub can result in a $100 penalty.

Phone bills

If your company has relied on the same phone service provider for a long time, there’s a good chance you are overpaying on your phone bill.  Invest the time it takes to compare different providers to ensure that you’re getting the most out of your money.  Alternatively, consider exchanging your phone service for a VoIP (Voice Over IP) service, such as Skype, to save some cash.

Office Perks

While offering your employees coffee and tea is often a necessary expense, make sure that you’re buying these supplies in bulk to get the best deal possible.  This means being vigilant about your supply and planning your shopping trips accordingly.  Sent the intern out on the third emergency coffee run this month?  That Starbucks bill is definitely going to add up!

Keep these small details and expenses in mind and save your business more money every month.  To find out ways you can save on your business insurance, contact the insurance experts at Moser Group Inc. in New York.

27 Jul 2017
Gardening tools and flower

Keep Your Garden Alive with These Green Maintenance Tips

Go green this summer with these gardening maintenance tips!

Going green in the garden and around the home is a great way to contribute to the well-being of the planet we call home. Homeowners across the country are looking for simple ways to go green and lessen the impact of our carbon footprints. Read on for some maintenance tips on how to go green in your garden this summer!

Green Gardening Maintenance Tips For Homeowners:

  • Going green will be easier with drought tolerant plants such as succulents. Once you decide where you will be planting your greenery, it is important to do some light research about the environment and climate. This will help you in choosing the appropriate fertilizer and watering schedule.
  • Gardening maintenance will depend on the types of plants you choose; make a compost bin or pile so that you can take advantage of all the leftovers remaining after pruning, trimming, and repotting.
  • Did you know that you can make your own fertilizer out of the nutrients in your compost heap? This is a great way to save on fertilizers while also yielding environmental benefits.
  • Altering your irrigation habits is extremely important in maintaining a beautifully green garden. It is important that you always water sparingly as to not soak the soil and always keep an eye out for the weather forecast so that you can take advantage of incoming rain.
  • Avoid using pesticides at all costs. Before we created pesticides, there were insects performing this job. To further continue your environmental efforts, use lacewings, hoverflies, and ladybugs instead of pesticides.

Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff help you meet all your personal and commercial insurance needs.

20 Jul 2017
Thief with a bar of iron

Keep Your Home Safe While On Vacation

Keep your home safe while you’re on vacation with these tips.

Vacation season is here. With beautiful weather and time off from school, it’s the perfect time to take a vacation. As you’re packing your bags and putting the finishing touches on your getaway, don’t forget to take precautions to secure your home. Your home is at a greater risk for burglaries when you’re out of town. Protect your home while you’re away with these home safety tips.

  • Turn the lights on. A well-lit home tells burglars that someone is home. Set your lights on a timer so that they’ll go on and off, even when you’re not home.
  • Make friends with the neighbors. It’s good to have neighbors that you can count on when you’re away. From keeping an eye on your home to picking up your mail, ask your neighbors to help you out while you’re away.
  • Be wary of your newspapers and mail. A driveway full of papers and a mailbox full of letters, are tell-tale signs that you’re out of town. Have your mail taken care of while you’re away to reduce your chances of a burglary.
  • Avoid posting on social media. Posting your travel plans on social media can alert burglars that your home is empty. Hold off on posting on social media until you return from your trip.
  • Double check that all the doors are locked. It may seem like common sense to lock up, but with all the stress of preparing for a trip, it can be overlooked. Walk through your home before you leave so that you know that everything is ready to go.

When it comes to keeping your home safe while you’re on vacation, take precautions to protect your home and invest in homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff help you meet all your personal and commercial insurance needs.

13 Jul 2017
Fotolia_24172983_Subscription_XL

Tips to Help Reduce Stress

Keep your stress under control with these stress management tips.

Stress is a part of everyday life. From rushing getting kids to school on time to walking into that big meeting, there are lots of opportunities for stressful moments. While a little stress is okay, too much stress can have detrimental health effects. Find ways to better manage your stress so that you stay healthy. Find out what you need to know about managing your stress with these tips.

Find Your Zen.

Practicing mindfulness and meditation can help you to keep your stress under control. When feeling overwhelmed, practice deep breathing, meditation, or do some yoga or stretches. Focusing on a single task, instead of multiple, can help relax and better manage your stress.

Stay Positive.

The mind is a powerful thing. When it comes to your mindset, ensure that you are thinking positively. The more positive your thinking the better able you are to cope with stress. Adopt a more optimistic outlook on life so that you have less stress.

Eat Well.

The foods that you eat give you the right nutrients to help your body function properly. Help your body fight off stress by eating a nutritious diet. Eat plenty of fruits and vegetables so that you’re better able to combat stress.

Exercise.

Moving your muscles help to release stress from the body. Plus, when you exercise your brain releases certain chemicals to help you fight stress and boost your mood. When you’re feeling stressed, go for a walk, run, or bike ride. The exercise can help to balance your stress levels.

When it comes to keeping your stress under control check out these tips. Don’t stress about finding the perfect insurance.Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.

 

06 Jul 2017
distracted-driving

Avoid These Distractions While On The Road!

Stop with the distracted driving and put safety first with these tips.

It’s no surprise that distracted driving is on the rise. In an ever increasing age of technology, our mobile devices go everywhere with us, including the car. From texting, to eating, to daydreaming, there are lots of ways in which your focus is taken off the road. While it may not seem like a big deal, distracted driving is incredibly dangerous. Put safety first, and check out these tips to help you stay focused on the road.

Turn Your Phone Off.

It’s no secret that texting while driving is dangerous. However, talking on your phone, even while using a Bluetooth device can be just as distracting. Avoid the risk of cellphone-related disasters all together and turn off your cellphone. You can even stow it away in the glove box until you reach your destination. That way you won’t be tempted to reach for your phone while behind the wheel.

Come Prepared.

Inputting an address into your GPS or fiddling with your wallet to pay the toll, takes your focus off the road. Avoid such distractions and prepare ahead of time. Before you leave for a new destination, set up the GPS and have your money ready before you even start your engine. That way you can rest assured that your only concern on the road is driving safely.

Enlist the Help of You Passengers. 

Having other people in the car can be dangerous as a deep conversation can easily distract you from the road. However, traveling with passengers can have its advantages. Have your passengers help you turn on the radio, text, or look up directions so that you’re free to drive safely.

Use these tips to stay focused and avoid distracted driving. For added protection, invest in the right auto insurance policy. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.

27 Oct 2016
Halloween Safety Tips for Your Kids and Your Home

Halloween Safety Tips for Your Kids and Your Home So That Your Night of Trick-Or-Treating Runs Smoothly

When it comes to your Halloween safety, don’t forget to check out these tips.

Halloween is almost here! It’s time to put the finishing touches on your decorations, get your kids dressed in their costumes, and buy any last minute candy as you anticipate trick-or-treaters. However, as you get caught up in all the excitement, don’t forget to think about safety. From ensuring that your kids are safe to protecting your home, there are lots of safety concerns around Halloween. Take precautions so that your Halloween runs smoothly. Check out these Halloween safety tips.

Trick-or-Treating Safety:

  • Keep your child’s safety in mind when looking for a Halloween costume. Choose a costume that can be hemmed above the ankle to avoid any tripping. Additionally, choose a costume that can easily be seen in the dark. That way you’re better able to keep any eye on your children and their risk of getting hit lowers.
  • Remind your children of stranger danger. Ensure that they know never to enter the home of a stranger while trick or treating for any reason.
  • Check your child’s candy. Toss out any open wrapper homemade pieces so that you can ensure the safety of your kids.

Home Safety:

  • Ensure your home is well lit. Keeping your home well-lit isn’t just a sign that someone is home, but it helps to keep all your guests and trick-or-treaters safe from tripping hazards as they make their way to your front door.
  • Be wary of fire danger. While candles can add to your Halloween décor, it’s important that you’re wary of fire danger. Get rid of any candles and replace them with LED candles. Additionally, keep a fire extinguisher on hand, and don’t overload any outlets. They increase your risk for a fire.

Have a Happy Halloween! Protect your home from any Halloween dangers or any other threats year round with the right homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

20 Oct 2016
Avoid These Fall Driving Hazards to Drive Safely

Drive Safely This Season and Avoid These Fall Driving Hazards

Look out for these fall driving dangers!

Driving is a dangerous business. However, each season brings different dangers. When it comes to your safety on the road this fall, use extra caution. From more traffic to wet weather, fall driving hazards expose you to extra danger. Check out these driving safety tips to be wary of so that you can be prepared and stay safe on the road.

Wet Weather.

As the temperatures cool and winter approaches, be prepared for more wet weather. Roads get slippery when wet, especially when it first starts raining since the water mixes with motor oil. Be careful when driving in the rain. Remember that it takes longer to stop so drive slowly and leave plenty of room to stop in between your car and the car in front of you. That way you can reduce your risk for an accident.

Leaf Litter.

Along with the cooler temperatures that fall brings come the changing of the leaves. As the trees in your neighborhood prepare for winter, remember to be wary of leaf litter. Too much leaf debris in the street can obstruct traffic lines, and they can make the roads slippery. Use caution when driving near leaves.

Wildlife.

Even in more urban areas, you may notice a few woodland creatures out and about this time of year. Fall is deer mating season. When it comes to your vehicle, even a small run-in with wildlife can be detrimental to your car as well as your psyche. Use caution when driving on the road, especially in wooded areas. Be aware of your surroundings so that you’re able to avoid an accident.

When it comes to your safety on the road this fall, invest in the right auto insurance. That way you’re protected for whatever comes your way all season long. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.

13 Oct 2016
Cyber Security Tips to Keep Your Business Well Protected

Cyber Security Tips to Keep Your Business Well Protected from Cyber Threats

Protect your business from cyber threats with these cyber security tips.  

As the world becomes increasingly digital, so does your business. Using technology in your business practices can be immensely beneficial. However, using so much technology comes with its fair share of risk. With so much sensitive data, it’s imperative that you keep it well protected. Minimize your risk for a cyber disaster, and check out these cyber security tips.

Make Frequent Updates.

When it comes to your protection systems, it’s imperative that you have the most up to date versions. As your firewall, anti-spyware, and anti-malware software find new ways to protect you, threats also evolve and find new ways to attack you. For the best, most secure protection, you need to update your software regularly.

Change Your Passwords Regularly.

Your passwords help to keep you safe. However, passwords can be broken. When it comes to your passwords, ensure that they’re varied and that you change them every three months. No account should have the same password. Additionally, it’s imperative that you create a strong password with plenty of special characters, a combination of uppercase and lowercase letters, and numbers. That way it’s harder to hack, and your passwords will be more secure.

Toss Old Information.

The longer you hold on to sensitive information like client payment information or old employee tax records, the more risk you have of leaking confidential information. Don’t expose your business to unnecessary cyber liability. Review which items that you need to keep and which ones you can toss. Get rid of the ones that you can eliminate so that you can help reduce your risk for a data breach.

Keep your business safe from a cyber disaster with the right cyber liability insurance and these tips to reduce your risk. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.

06 Oct 2016
Preventative Medicine for National Breast Cancer Awareness Month

Learn About Preventative Medicine During National Breast Cancer Awareness Month

Take action when it comes to your health for National Breast Cancer Awareness Month!

When it comes to your body, it’s imperative that you take all the necessary precautions to stay healthy. October is Breast Cancer Awareness Month. Use the opportunity to learn about staying up on your health and check out what you need to know about breast cancer so that you’re ready to join the fight against cancer.

All About Breast Cancer.

Cancer is a debilitating disease in any form. Breast cancer is the abnormal growth of malicious breast tissue. This tissue continues to grow, developing tumors, and can spread throughout the body.

Know the Facts.

Breast cancer is one of the leading threats to women’s health. One in eight women will develop breast cancer over the course of her lifetime. Each year in the US, more than 200,000 women are diagnosed. The disease primarily affects older women, but it can affect younger women, as well as men. Breast cancer is a disease that affects everyone.

Preventative Measures. 

While there’s no way to eliminate your risks, it’s important that you take steps to reduce them. Eat a well balanced healthy diet, along with participating in regular exercise. Additionally, reduce your exposure to carcinogens and eliminate any unnecessary exposure to radiation. While leading a healthy lifestyle is important, it’s equally important to get screened for breast cancer regularly. Talk to your doctor about the best plan of action for your health. From mammograms to self-exams, the earlier you catch the disease, the better chance you have of beating the disease.

Your health is important. Make your health a priority, and keep your family safe and secure with the right insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.

29 Sep 2016
Fall Home Maintenance Tips so That You're Ready for the Weather

Fall is Here! Check Out These Home Maintenance Tips so That You’re Ready for the Weather to Come

Keep your home secure for the weather to come with these fall home maintenance tips.

As the leaves begin to change, and the temperatures start to drop, you get ready for the start of a new season. Fall is here, and it’s time to prepare your home so that you’re ready for the cooler weather. Check out these fall home maintenance tips to help you get ready.

Roof Inspection.

It’s important that your roof is in great shape for the winter weather to come. Start your inspection process early so that you can make any necessary repairs in time for winter. Have any loose, broken, or damaged shingles repaired so that you can prevent nasty water damage in your home.

Tend to your Gutters.

When it comes to winter storms, it’s imperative that your drainage systems are working properly. Clean out your gutters and ensure that they’re securely fastened to your home. That way you can reduce your risk for water damage or ice dams come winter.

Trim your Trees.

All it takes is one storm to knock over your home’s trees to cause a significant amount of damage. Take action to prevent any tree related damages and have your trees trimmed this fall. Look out for any signs of rot and have any low hanging branches removed from around your home. That way you can prevent any disasters.

Seal Gaps.

With age, your windows and doors start to develop small gaps around them. While they may not seem like a big deal, they can affect the temperature of your home, costing you big time when it comes to your heating and energy bill. Before the temperatures get too low this season. Take stock of your home’s gaps and seal them if necessary.

Get your home ready for fall. Keep up on your home maintenance and protect your home with the right homeowner’s insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.