From gardening and building sets to sidewalk chalk and scooters, and from bubbles and water blasters to bicycles and skateboards, a broad range of outdoor toys will help to entertain the young and the young at heart. To help assure...
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The Low-Down on Credit Insurance
By John Voket I recently came across some great advice from Maryland Attorney General Douglas F. Gansler regarding costly and unneeded insurance being marketed to consumers who are borrowing money or making a purchase on credit. According to Gansler, this...
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Traffic Infractions: Their Severity and Impact on Insurance Rates
Traffic infractions can vary from minor to very serious and how an insurance company rates them varies as well. Drivers should know how these types of infractions affect premiums and when to shop around for a better rate. When a...
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Why Appliance Warranties are Key for New Homeowners
These days, making the decision to purchase a new home can be much more stressful than it once was. There are countless factors and steps that need to be taken into account before you settle in. A major factor is...
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5 Ways to Save Money on Health Insurance
If you’re like most consumers, you’ve probably seen your health insurance premiums go up in the last year. According to the Kaiser Family Foundation, family health insurance costs for those with employer-sponsored coverage increased by nine percent in 2011. Maybe...
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Five Homeowners Insurance Tips for First Time Buyers
A first time homeowner can find buying a new home exciting and overwhelming. When shopping for quotes, there are five areas that are especially important. Here are tips to get the best coverage at the most affordable price. 1. Know...
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You Must Have Renter’s Insurance
With winter months ahead, renters should make certain they have a contents insurance policy that covers fire damage. According to the U.S. Fire Administration, residential fires are more prevalent in winter months than in spring or summer months. A residential...
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Alarm Systems – How Important Are They to Your New Home?
By Barbara Pronin, RISMedia Columnist According to FBI statistics, a home is burglarized every 14 seconds in the United States, and homes without an alarm system are three times more likely to be broken into. Those are pretty compelling...
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Freedom from Debt an Achievable Goal for Every Family
American households are carrying an average of nearly $16,000 of credit card debt, which translates into more than $2,000 in finance charges and fees each year, according to the Federal Reserve. Even with statistics like these, freedom from debt is...
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Welcome to Phocus Companies Official Blog
This is the new blog for Phocus Companies. Phocus Companies is a collection of several branches of financial planning and insurance services under one umbrella; here to help you with all of your financial planning goals and needs. You’ll find...
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