Archive for the ‘ Local Interest ’ Category

How to Disaster Proof Your Business

Friday, September 30th, 2016
natural disaster business

Make sure that you are fully prepared for when disaster strikes.

Did you know that 40 percent of businesses do not reopen after a natural disaster?

The recent flood in Ellicott City absolutely devastated several of the town’s prominent establishments. The city had seen floods before, in 1972, 1952, and earlier. However, the flood of 2016 was designated by the National Weather Service as an “off-the-charts” thousand year rainfall. Many business owners who lost their businesses in the flood found that their flood insurance did not cover everything they thought it did. To make sure you’re prepared for the next flood, hurricane, or storm, follow these steps. (more…)

Steps to Take to Prevent Credit Card Skimming

Wednesday, October 14th, 2015
Credit Card Skimming

What causes credit card skimming and how can you prevent it from happening?

When you go out of town on vacation or on a business trip, it’s common sense to be careful to keep your credit or debit card information safe. However, what happens when you get home and realize that your card has actually been compromised? What causes this and how could you have prevented it from happening?

These days, a method known as “skimming” is becoming more and more common to steal your credit card information and PIN. Thieves attach devices known as “skimmers” to legitimate credit or debit card readers. They’re frequently found in restaurants, gas stations, and even ATMs. After a skimmer has read your information, it’s easy for thieves to use it to make purchases or get cash out of the ANTM. Since you still have your physical card, it may take days or even weeks for you to realize that unauthorized purchases are being made. (more…)

4th of July Safety Tips for Frederick County Residents

Tuesday, July 1st, 2014

4th of july frederickIndependence Day is one of the greatest days of the year for US residents. We really know how to celebrate in Frederick County, from the local carnivals to celebrations in Baker Park, the 4th is always a fun event. The holiday does have the potential to be dangerous, though, especially if you don’t take the proper precautions to avoid holiday mishaps. It’s important to keep in mind some summer safety tips, as well as some safety precautions specific to the 4th of July. We’ve put some together to help you get through this holiday weekend in a safe (yet fun) manner.

  • Keep a fire extinguisher on hand – Most of the events that center around the 4th involve fire: grills, fireworks, sparklers, etc. Make sure that you read all of the safety precautions before setting off any fireworks or sparklers and that you have a fire extinguisher (and a bucket of water) close at hand all day long.
  • Enjoy water sports responsibly – If you’re headed off to Ocean City for the holiday, remember to be safe on the beach. Keep an eye out for riptides and ALWAYS listen to the lifeguard. Even if you’re sticking around the Frederick area to swim, make sure that you never swim alone. If there are children around, keep a close eye on them. Lifeguards are only there in case of trouble.
  • Remember to wear sunscreen – You’ll likely spend most of the day outdoors on the fourth. Even if it’s cloudy or overcast, you should make sure you slather on the sunscreen. Start with SPF 15 at the very lowest, but consider using SPF 30 or SPF 50 if your skin is particularly sensitive to the sun. Remember to read the back of the bottle to find out how often you should reapply and whether it’ll work in the water or not.
  • Drink responsibly – If you’re planning to indulge a little on this Independence Day, remember to do so responsibly. Stay hydrated by drinking a glass of water in between alcoholic beverages and assign a designated driver for the evening to avoid being a hazard on the road. It’s important to keep our Frederick County roads safe for everyone this 4th of July. If you know you can’t drive and don’t have a designated driver, you shouldn’t hesitate to contact a cab company.

Remember to be safe and responsible this Fourth of July! You can still have fun while practicing our summer safety tips. For more tips, check out our Summer Safety Blog. If you need insurance in the Frederick County area, you can call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office.

Source: Surf Net Kids, Medicine Net

5 Great Fredrick County Summer Jobs for Your High School Student

Monday, June 23rd, 2014

summer jobThe sun is shining, students are out of school, and you’re about ready to tear your hair out. You’ve heard the phrase, “Can I have ten bucks?” more times than you’d like to admit in the past couple of weeks. If you tally them up, though, it gives you some great ammunition to answer with, “Guess it’s time for you to get a summer job!” There’s no better time to teach independence than during high school. Students are going off to college in a few years and will start amassing bills that they have no idea what to do with. The value of learning responsibility during high school years can’t be underestimated. When your student is ready to get out there and make a couple extra bucks, this list of great summer jobs will come in handy.

  1. Babysitter – This job is great for all young adults. It usually pays well and gives them a chance to see what it’s like to have kids around all the time. There’s no better way to instill responsibility and teach independence than having your high school student help take care of a little one. Plus, it’s a great way to network. The parent grapevine is powerful if your student ends up being a great babysitter.
  2. Intern – Does your high school student already know what he or she wants to do for a living? Looking into internships early is a great idea. Though they usually won’t count for credit (and sometimes may not be paid), they’ll learn what the business is all about and get a chance to take on some responsibility in their chosen field.
  3. Lifeguard – This is probably the most popular summer job for students. There is extensive training to make sure that lifeguards know how to do their jobs right, but working as a lifeguard can be very lucrative – not just in the money category. Students working as lifeguards get the chance to learn lifesaving skills that they can take with them as they get older and grow.
  4. Pet Sitter – Frederick country residents are always looking for good pet sitters while they’re on vacation. If your student likes working with animals better than people, this is a good place for them to get some extra money and hang out with furry friends. It’s important that these students are comfortable with animals and not afraid to go into other people’s homes to take care of the animals – being trustworthy is important, too.
  5. Tutor – Is your high school student really gifted in one subject area? They can actually make pretty good money tutoring other students or do the work for volunteer hours. Working with younger students will give them the opportunity to learn patience and find out more about the teaching career, possibly leading them to be even better students.

Finding a summer job isn’t all about making a little bit of extra cash. It’s about having a student learn about the working world and figuring out what it takes to be a responsible adult. It also gives you the opportunity to teach them a little bit more about what the working world can offer as they get older and how much things cost. Open the door to discuss more adult things with them, such as insurance, as well. If you or they have any questions about how insurance works, you can call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office.