The insurance industry loses billions of dollars to insurance fraud annually. Many think it is a victimless crime, assuming that insurance companies have deep pockets.   Unfortunately, these losses result in higher premiums for all. In fact, this crime costs the average household across the United States between $400 and $700 annually in increased insurance

Lately, I have been encountering more people in life transition, experiencing the passing of a spouse or parent. This leaves loved ones in the precarious position to become sifters of memories and along the way, determiners of value – all at a time when emotions are running high.

I’ve found there are two kinds of people – those who count down the days for the holiday season, embracing every holiday tradition around, reveling in the festivities, wishing it could last forever. And then there are those who dread the music, the shopping, the cooking, the decorating, the gift giving, the overwhelm. If you’re experiencing stress & anxiety during the holidays, wondering just how you’re going to get it all done, here are a few tips to help…