One of the lessons I guess nearly all of us can remember from our school days is the Aesop’s fable of the tortoise and the hare. The basic message is: slow and steady beats fast and furious. Well, okay, maybe that isn’t always true, but I often think of it when some tail-gater pulls out [...]

Here lately I have been getting a lot of questions about teenage drivers.  There are  many things parents and teens can do to make sure that it is a safe, cost effective and enjoyable experience for both. 1. First teens make sure you are a A/B student.  Grades are the biggest discount to a teen [...]

The prevalence of major catastrophes such as tornadoes, floods, hurricanes, and earthquakes drive home the point that personal catastrophe planning is an essential part of any personal risk management program.  Catastrophes, whether natural or man-made, can strike individuals and families at any time without warning.  You should develop a comprehensive disaster plan that addresses the [...]