Client calls with this exact problem and says, "I am waiting for my neighbor to come home to find out who his insurance company is." Um, Mr. client, this claim will be on your homeowner policy, not your neighbors. in insurance terms, we call it "Act of God", as nobody was negligent in having that tree fall. Doesn't matter who's land it was on, neighbors, the towns, the city...wind or soil erosion caused the tree to fall. Can't blame it on the neighbor or the town, it happened!

​So the claim is your, whether fail or not. No negligence was involved in your homeowner claim.

You are exposed to endless auto insurance ads on TV, on your way to work, online...it never ends! Who do you trust when they give you confusing messages - only pay what you need? What does THAT mean? The truth is nobody can make a blanket statement and it be the answer for everyone. The rating factors used are different for you, your neighbor, your sister, your co-worker!

How to buy auto insurance in Buffalo, NY

Not long ago, auto insurance companies had like 4 or 5 "tiers' of pricing - like Super Preferred, Preferred, standard, etc. Today, the auto insurance companies each have 80 tiers, 92 tiers, 98 tiers! Which is why auto insurance rates can be so widely different. Your age, where you live, homeowner or renter, credit, your motor vehicle record, kind of cars you drive - all contributing factors for auto insurance.

How to buy auto insurance in Buffalo, NY

Buying auto insurance shouldn't be a price only determination, like the TV commercials will have you believe. What do YOU need to protect? A nice, upscale home? Nice cars that are expensive to repair? A good paying job that could be exposed to a wage garnish? This is what happens when you buy low limits of insurance, you get sued. Then everything you own is at risk.

How to buy auto insurance in Buffalo, NY should not be the lowest price wins. It does go much deeper than that when everything you own is at risk. I always tell people to be a smart insurance consumer and we can help with that.

A- ​No but it probably wouldn’t be covered anyway, even if you found a leak. In many homeowner insurance policies “earth movement” is excluded and probably the reason for 99% of slab leaks. I would look at your homeowner policy or discuss it with your agent, to see if this exclusion exists in your homeowner insurance policy.

"I am proud to sign this bill, which positions New York's farmers to be the first to grow cannabis and jumpstart the safe, equitable and inclusive new industry we are building: Gov. Hochul said.

The signing of this bill, farmers can now put seeds in the ground to meet, what will be a growing demand. What farmers have to understand, this is a conditional cannabis cultivation license for up to 2 years. It allows them to manufacture and distribute cannabis flower products without holding an adult-use processor or distributor license.

Cultivators are then limited to one acre of flowering cannabis outdoors or 25,000 square feet in a greenhouse. They can also split between outdoors and greenhouse growing with a maximum total of 30,000 square feet, if the greenhouse operation is under 20,000 of that total.

Cannabis will become the new burgeon industry in New York State and insurance companies are starting to realize this too.

Now with Russia attacking Ukraine, there will be more & more dark web attacks on small business in US. If your business takes credit cards, stores client information of any kind, you are vulnerable to these attacks.

A real life example: An accountant prepared a tax return for a client and her assistant then sent the tax return to the wrong email address. When the client called for an update on her return, it was discovered that the email did, in fact, go to the wrong address. The client then sued and the accountants CYBER LIABILITY paid for the costs to defend the lawsuit and paid the damages too.

​Tips for Easily Updating Your Home for Work and Play
 
Your home is your castle, but can it be your office, your gym, and your place of zen? Yes, it can with just a few simple tweaks. You don't need a lot of space or money to make your house a one-stop-shop that accommodates your every whim.
 
Declutter to Find That Needed Space
Don't get discouraged when square footage is limited. Decluttering is a great way to reimagine your surroundings and utilize them differently. Removing miscellaneous furniture enables you to add a desk and office chair in a quiet corner of the family room, kitchen, or dining area. Get creative and makeover a coat or storage closet to set up your office. Maybe you have a bench at the end of your bed collecting laundry or an extra dresser in the bedroom that holds clothes you rarely wear. This is the perfect time to sell and donate to create valuable space for work and play.
 
Set Up for Success
Staying organized is key to being productive at work. Vertical shelving allows you to store and decorate without taking up too much wall space. Wicker baskets hold files, paperwork, and miscellaneous office supplies while remaining decorative for the rest of your home. Your comfort will keep you energized and motivated. Have fun selecting a stylish chair, but make sure it fits your space and is comfortable so you remain focused on your job and not your discomfort. If you have the luxury of an office window, use it for natural lighting and decorate with indoor plants and personal photos to make you happy and reduce stress.
 
Create Special Places for Down Time
There are many benefits to spending time on a hobby and expressing your creativity. Pouring yourself into an activity you love will relieve stress, make you feel more energized, challenge your brain, and boost self-confidence and mood. Just like a home office, you can set up this space to create in any room. Even carpenters can etch out a spot in the garage, carport, or shed. For indoor hobbyists, organize your materials in drawers and on shelves with decorative bins to maintain a cohesive appearance and reduce the risk of misplacing tools.
 
You don't always have to go to the gym or yoga studio to care for your body and mind. Keep furnishings light to move easily and make room for a yoga mat and free weights. This equipment can be used every day and then stored in a bin under the bed or in a closet.
 
Since your bedroom is your place to rest, update to accommodate your need for zen and to ensure a restful night's sleep. Muted colors in blue, green, and yellow are great for bedrooms. One study shows that blue tones promote calm, so painting in a light shade could be just what you need. A cozy chair with a floor lamp and essential oil diffuser provides a quiet spot for reading, meditation, and calm to relax your mind before ending your day.
 
Every room in your house has the opportunity to accommodate various needs. As your lifestyle changes, simple updates are an easy answer. Whatever you require, create an atmosphere that makes you happy, motivated, and peaceful. Less is more, so get rid of the nonessentials and effectively utilize your castle for work and play.