Read Our Blog Page 3

Daylight Savings Time Affect Car Crashes

Multiple studies have found that there is a correlation between daylight savings time and car crashes. An article by Jason Varughese and Richard P. Allen in the journal Sleep Medicine determined there was a significant increase in accidents for the Monday immediately following the spring shift to DST, and there was also a significant increase […]

Read More

Make Sure You Have Your Child Properly Restrained In Your Vehicle

According to the National Highway Traffic Safety Administration, there are a staggering number of children who are not in their appropriate car seats for their age. 14% of 1-3 year olds are put in booster seats or seatbelts way too soon. 25% of 4-7 year olds are put in seat belts way too soon. Even […]

Read More

Colorado Flood Coverage: The Basics

According to the National Flood Insurance Program, here are the basics of flood insurance. What you need to know about Colorado Flood Coverage: Insurance Agent: Flood insurance can only be purchased through an insurance agent; you cannot buy it directly from the federal government. Coverage: As with any other type of insurance, it’s important to […]

Read More

SBA Disaster Loans: Economic Injury Disaster Loans

According to sba.gov: If you have suffered substantial economic injury and are one of the following types of businesses located in a declared disaster area (sba disaster loans), you may be eligible for an SBA Economic Injury Disaster Loan (EIDL): •Small business •Small agricultural cooperative •Most private nonprofit organizations Loan Amounts and Use Substantial economic […]

Read More

SBA Disaster Loans: Military Reservists Economic Injury Loans

According to the sba.gov: The Military Reservist Economic Injury Disaster Loan (MREIDL) SBA Disaster Loans: provides funds to help an eligible small business meet its ordinary and necessary operating expenses that it could have met, but is unable to, because an essential employee was called-up to active duty in his or her role as a […]

Read More

Colorado Flood Insurance Claims: What Is Covered?

According to the NFIP, the following is covered (and not covered) under a flood insurance policy: Building Property The insured building and its foundation Electrical and plumbing systems Central air conditioning equipment, furnaces and water heaters Refrigerators, cooking stoves and built-in appliances such as dishwashers Permanently installed carpeting over unfinished flooring Permanently installed paneling, wallboard, […]

Read More

Colorado Flood Insurance Requirements

COLORADO FLOOD INSURANCE REQUIREMENTS If you are a Colorado property owner who has property affected by the recent flooding, I am sure you have a lot of questions regarding flood insurance. In a previous post, we posted the entire list of all 246 Colorado communities that participate in the National Flood Insurance Program (NFIP) administered […]

Read More

SBA Disaster Loans: Home and Personal Property Loans

According to sba.gov: If you are in a declared disaster area and have experienced damage to your home or personal property, you may be eligible for financial assistance from the SBA — even if you do not own a business. As a homeowner, renter and/or personal property owner, you may apply to the SBA for […]

Read More

What happens if you don’t have flood insurance? SBA Disaster Loan.

As we quoted in a previous post, FEMA stated that only about 22,000 homeowners in the entire state of Colorado have flood insurance. An SBA Disaster Loan may be what you are looking for! So what do you do if you don’t have flood insurance, and you are one of the thousands of victims of […]

Read More

I Told You So!! My Lyft Issues Come To Real Life (except it was Uber)

Everyone at this point knows my dissenting opinion on the app based ride-hailing service Lyft. I have harped all week about the major problems in using Lyft, both as a driver and as a passenger. Problems surrounding liability in an accident, car damage, bodily injury, and let’s not forget the creep factor of either getting […]

Read More