The time to do your taxes is never very far away, and for many, it’s a stressful time. Having a complicated tax return makes it more difficult to uncover all of the available deductions and credits that reduce the final...
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Understanding the Importance of Estate Planning and the Goal of Estate Planning
The goal of estate planning is very simple: to help you protect your family and your financial situation even after your death. At the same time, the method by which this is done can sometimes be complex. Proper estate planning...
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Tips for Making your Home Look Occupied While on Vacation
When you make your home look occupied while on vacation, criminals are less likely to be tempted. Here are some simple tips that may help. Newspapers that litter your driveway or porch are a sure sign no one is home....
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Phocus Companies Supports Feed My Starving Children
The fact that children should not go hungry is something few people would argue, however fewer people take the time and effort to do something about it. But in 1987, a businessman in Minnesota took the issue of childhood hungry...
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Is My Babysitter Covered to Drive my Car?
Everyone knows it’s important to have auto insurance, but coverage can vary quite a bit from policy to policy. Most states require some sort of basic liability insurance, but that doesn’t cover much. Auto lenders will usually require comprehensive insurance,...
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The History of Labor Day
Some say the idea for Labor Day came from a machinist by the name of Mathew Maguire. Others say it was the American Federations of Labor’s Patrick McGuire who first came up with the idea in 1882. The facts show...
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Why you Need to Let your Insurance Agent Know About your Home Remodeling Plans
Unless you’ve had your home totally custom built, there are always things you want to improve in order to create that “dream home” you’ve always wanted. You may want to redo the kitchen to create that perfect cooking environment, to...
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Protect Your Home Foundation – It’s Not Always Covered
While a house is built with wood framing, struts, metal joints, layers of plywood covered insulation, stucco and paint, all of that assembly needs to be placed on a solid platform. Just building it on dirt won’t work. As a...
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The Most Common Driving Distractions and How to Avoid Them
Once behind the wheel of your car, doing anything other than paying attention to the road ahead is a distraction that could lead to an accident. While many know what constitutes a distraction, some still admit to taking their eyes...
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Tips on How to Create an Inventory Checklist for Your Home
Have you ever thought about what would happen to the contents of your home after a theft or natural disaster? You’re probably thinking that insurance is going to cover everything, right? Yes, homeowners insurance does cover your losses, but you...
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