How My Mom Scared Me for Life from Mall Shopping

When I was growing up, my mother and I liked to collect Christmas ornaments. We had entire series of certain ornaments, and we had to continue the collection, of course. We found that one of the best ways to save money shopping at the mall was to go to the day after Christmas sale where most ornament stores marked their wares half off. There was one problem with this plan, of course. We were not the only collectors on the prowl by a long shot. There was always a line waiting to get into the store. After years of practice, my mom and I had developed quite a system. We would stake out the store on Christmas Eve, and we … Read more

Do We Really Care About Texting While Driving? How To Implement Real Social Change!

Dangers of Texting While Driving - Do We Really Care?

Do we really care about the dangers of texting while driving? Drivers and the insurance industry have to take a hard stance on texting while driving. Do we as a society really care about texting while driving? Or, do we simply pay lip service to the dangers? I am of the belief that Americans look the other way and really do not care about people who are texting while driving. Despite it being illegal in 38 states across America, we have done little to nothing to stop the rising trend. A survey released by State Farm in November 2012 found that 68% of drivers ages 18 to 29 text while driving, up from 64% last year, and 48% of them … Read more

What Is Commercial General Liability Insurance? And Why It’s Important

What Is Commercial General Liability Insurance? Commercial general liability insurance, also known as CGL, is a business insurance policy that covers services of the injured and compensates for most negligence that occurs according to law or contract. It typically provides liability coverage for a loss or a bodily injury that occurs while the policy is in place for a set period. The liability insurance can be written to cover the business for a set period or only when a claim is made. What Is Commercial General Liability Insurance? Commercial General Liability Insurance is designed to insurance business policyholders against lawsuits and other financial claims that people or employees can make against it. This, of course, is very important for businesses … Read more