Navigating the Target Breach & Protecting Your Identity

Author: Kimberly Lucarelli | Date:January 21st, 2014 | Category: Blog, Personal Risk

If you are one of the millions that used a credit or debit card at Target late last year, or ordered merchandise on their website, we’d like to ask your attention. Due to a massive security breach, your credit, debit card or personal information may have been compromised, and according to several financial experts, you […]

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Tightening Your Financial Belt? Tips for Managing Your Personal Insurance

Author: Kimberly Lucarelli | Date:August 7th, 2013 | Category: Blog, Personal Risk

With an increasingly unpredictable economy, the topic of reducing the cost of home and auto policies is front and center. Of course, it’s never prudent to cancel your home or car insurance poli­cies or let them lapse. That is not only risky, it could invite trouble. However, by implementing a few measures around your home […]

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Is Life Insurance a Worthy Wealth-Accumulation Tool?

Author: David Orloff | Date:July 11th, 2013 | Category: Blog, Personal Risk

Since 1900, the stock market has had 23 significant downturns. The bear market of 2000-2002 saw stocks plunge 49%; the 2007-2009 meltdown saw a 57% drop. It wasn’t until March 2013 that the major market indices recovered. Investors responded by pouring billions into stocks and mutual funds, with many people hoping they “won’t get hurt […]

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Rate Increases, Revised Coverage Limits For Homeowners Are Result Of Catastrophic Weather Events

Author: Kimberly Lucarelli | Date:June 12th, 2013 | Category: Blog, Personal Risk

“Higher premiums, increased deductibles, new coverage limitations, increased scrutiny of claims, and in some cases, not renewing some policies.” That’s the situation for homeowners these days, mainly because of “catastrophic” weather events in the U.S., including last year’s Hurricane Sandy. In the past five years, 953 “catastrophic” weather events occurred in the U.S., compared to […]

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User Risks Suggest Social Media Is Not So “Friend-ly”

Author: Kimberly Lucarelli | Date:May 30th, 2013 | Category: Blog, Personal Risk

Would you give a complete stranger the keys to your home or office? Probably not. Yet that’s exactly what occurs when you or a family member log onto a social media site like Facebook, or one of the popular “check-in” sites, without taking adequate steps to guard your privacy. Those websites can be a “gold mine” of information available to […]

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Parents: Recognize The Risks of Teenagers, Parties and Alcohol

Author: Kimberly Lucarelli | Date:May 1st, 2013 | Category: Blog, Personal Risk

If you have teenagers, or will soon, don’t ever assume … … they’ll never invite friends over when you’re away. Or that their friends will never bring alcohol into your home. Teens thrive on friendships and weekend parties, but long gone are the days when teens planned those parties during the preceding week. “Today with […]

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Growing Public Resentment of Wealth Creates Disturbing Trend

Author: Kimberly Lucarelli | Date:April 23rd, 2013 | Category: Blog, Personal Risk

If you are professionally successful, financially comfortable, own a nice home in an “upscale” zip code, there’s a growing threat you could become the target of a high-stakes lawsuit … simply because of your status. That’s the conclusion of a recent national survey sponsored by ACE Private Risk Services among people with a net worth […]

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The Real Value of Personal Indemnity

Author: Mark Rader | Date:February 28th, 2013 | Category: Blog, Personal Risk

Most surety deals for privately held companies require the personal guarantee of business owners, similar to bank credit.  When a business gets larger and stronger financially, personal guarantees may be eliminated at some point.  Keep in mind, however, that a surety is also an unsecured creditor, so the surety is in many ways taking more […]

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Hurricane Preparedness Checklist

Author: oswaldcompanies | Date:August 27th, 2012 | Category: Blog, Personal Risk

Now that hurricane season is upon us, we would like to remind you of the following tips you can take to protect your property from the storm before it hits…. Oswald Hurricane Preparedness Checklist If you suffer damage from a hurricane this season, it is important you board up your property to deter from further […]

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Oswald Featured On National Investment Advice Radio Show

Author: David Orloff | Date:May 16th, 2012 | Category: Blog, Personal Risk

I am pleased to announce that I will be representing Oswald by discussing my knowledge and insight on life insurance and financial specialties on the nationally syndicated radio show, Straight Talk Wealth. The program can be heard in the Cleveland-Akron area on WHK (1420 AM) every Sunday from 3–4 pm.  As the program’s designated Straight […]

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