5 Tips for Safe Driving as the Days Get Shorter

Gloves? Check. jacket? Check. Beanie? Check. You wouldn’t go out into the cold without being prepared, right? It’s no different from driving as the days get shorter and wetter. To stay safe on the road, you need to be prepared for changing conditions.

For example, kids go back to school in the fall, so there are more pedestrians and traffic now than there were during the summer. However, that’s just one factor to account for; fall and winter also bring fog, rain, glare, low light, and the occasional snow. Here are some tips to help you prepare for whatever winter

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Why Does a Cracked Windshield Spread?

A rock flies up and hits your windshield making a small crack. Uh oh. You know you have time, but how much time? Eventually, the crack will spread, obstruct your view, get you a ticket, and you’ll have to replace the entire windshield, something auto insurance typically doesn’t cover. So what exactly causes a small crack in a windshield to spread like wild fire? There are more than a few answers to this question.

1. Extreme Temperatures

When you mix hot and cold, your windshield feels it. Going from sitting in the scorching sun to getting blasted with AC or

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Prepare for the Unforeseen with Health Insurance Plans

Health insurance plans are an important form of financial protection that can help cover the cost of unexpected medical expenses. Without health insurance, an unforeseen accident or illness might result in a significant financial burden, potentially leading to debt or bankruptcy. Additionally, many health insurance plans offer preventive care and other benefits that can help individuals stay healthy and diagnose potential health issues early on. Overall, having health insurance is a smart investment in one’s financial and physical well-being.

Getting yourself and your family covered with health insurance plans is a significant part of financial planning. This article will focus

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Physician Contracting 101 – Rickard & Associates

Physician contracts are often complicated and have unique terms. We help our clients understand the terms and negotiate their contracts.

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Many of our clients are physicians who are negotiating or renegotiating their employment contracts with their employers. Sometimes these are with health systems, hospitals, or small physician offices.

We also have clients come to us with issues after they negotiated their own contracts.

Physician contracts are unique, as they have

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The value of private health insurance in regional Australia is questioned by long-time policy holders

When Greg Owens had a stroke on Boxing Day last year and was rushed to hospital, he felt secure in the knowledge that he had good private health insurance.

But he now says the annual cost of $6,513 in premiums for top hospital cover is not worth it.

“There was not much difference to a

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3 Things You Should Know About Irrevocable Trusts

A trust is an estate planning tool that allows a person to control their assets during their lifetime and make provisions for incapacity and death.

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One thing you should know about irrevocable trusts is that, unlike revocable or living trusts, irrevocable trusts cannot be changed or amended. They are set in stone.

A second thing that you should know about irrevocable trusts is that they have significant advantages, and

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Legal Documents for Your Graduating Senior

If you are a parent with a child who will graduate from high school soon, now is a good time to start planning what documents the child will need moving forward.

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If you have a child who recently turned 18, you need to start thinking about the potential legal implications and how best to protect your child’s interests. Estate planning is not always about planning for death, but it is

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