Sunday, August 30, 2015

Now’s The Time To Beat Procrastination

Understanding why you procrastinate and how you can overcome it will unlock the keys to your greatest productivity yet.

Thursday, August 27, 2015

Firefighters: Powerful Advocates In The Push For Home Fire Sprinklers - Faces of Fire

Phil Tammaro, a Massachusetts firefighter and Third District Burn Fund Coordinator with the International Association of Fire Fighters, explains the importance of firefighters lending their voices in the advocacy of home fire sprinklers. Phil, who is also a burn survivor, stresses the level of safety sprinklers bring not only to the public but to firefighters. He shares his story for the Faces of Fire Campaign, a component of NFPA’s Fire Sprinkler Initiative that underscores the human impact of home fires.

Help promote the mandatory use of home fire sprinklers in your state or region. To learn how, visit

Monday, August 24, 2015

Life Insurance Quiz

Do you know the difference between Term and Whole life insurance? Permanent versus Variable policies? Make sure you understand the basics about life insurance.

Thursday, August 20, 2015

Monday, August 17, 2015

Cyber Risks: The Growing Threat

"The cyber risk landscape is evolving rapidly,” notes I.I.I. president, Bob Hartwig. And in this video commentary, Hartwig introduces the white paper, Cyber Risks: The Growing Threat” by noting how data breaches and other attacks threaten businesses, government agencies and even the military—and how cyber risk insurance is growing in sophistication and rates of adoption to respond to this danger.

Thursday, August 13, 2015

Sixteen Illegal Operators Caught By CSLB, Sanger Investigators

SACRAMENTO – Illegal contracting was plentiful in the Fresno County city of Sanger during a two-day undercover sting operation conducted by the Contractors State License Board (CSLB), with the assistance of the Sanger Police Departmentand California Highway Patrol.
Eleven individuals were caught on July 29 and five on July 30, 2015, after CSLB Statewide Investigative Fraud Team(SWIFT) investigators invited suspected unlicensed operators to place bids for renovation work at a former hospital near the Fowler Switch Canal. Bids were up to $10,000, while state law requires a contractor license for all work that will cost $500 or more in combined labor and material costs. All of the individuals caught for illegal contracting also failed to have a city business license to conduct their work (Sanger City Code 18-32a).
“Always check the contractor license first and don’t be lured by the least expensive bid,” said CSLB Registrar Cindi Christenson. “Many times, unlicensed operators underbid a project and add on costs once the project is under way.” CSLB also recommends having a timetable and payment schedule for each phase of a project and carefully monitoring the project to make sure payments don’t get ahead of the work.
Finding a licensed contractor is as simple as a quick check on CSLB’s website,, or call to CSLB’s toll-free information line, 800-321-CSLB (2752). Licensed contractors can be verified with CSLB by using the license number, business name, or the names of people associated with the license.
Each of the cited individuals faces a charge of contracting without a license (Business and Professions Code (BPC) section 7028). First-conviction penalties for contracting without a license include up to six months in jail and/or up to $5,000 in fines. A second conviction can carry a mandatory sentence of up to 90 days in jail. Penalties are more severe with each successive violation.
Fourteen of the 16 cited also face illegal advertising charges (BPC 7027.1). State law prohibits unlicensed contractors from advertising for construction-related work valued at $500 or more, although they can advertise jobs below that amount if the ad states that they are not licensed.
Five individuals were cited for failing to have workers’ compensation insurance for employees (Labor Code 3700.5), which puts the workers at risk of not being covered if they are injured and homeowners at risk of being held responsible for onsite injuries. Additionally, investigators issued three Stop Orders to the illegal operators, which meant they were required to halt work on all active projects until the appropriate workers’ compensation insurance is secured.
Suspects were ordered to appear at 8:30 a.m. on October 23, 2015, in Fresno County Superior Court, 1100 Van Ness Ave, Fresno, CA 93721. (MAP)


Monday, August 10, 2015

Before And After: Making A Home Firewise

Rapid City residents are Living Less Dangerously from Wildfire!Rapid City (South Dakota) Fire Department Lieutenant Tim Weaver and homeowner Judy Allen show how a partnership to treat a home landscape and the house itself made it more Firewise. The city has created a “Survivable Space Initiative,” partnering with the federal Bureau of Land Management to train military veterans to conduct wildfire mitigation projects such as thinning overgrown lots.

Friday, August 7, 2015

Firewise Virtual Workshop: Wildland "Urban Legends”

Join the Firewise Program at 1:00pm ET on Thursday, August 6, as wildfire and home safety myths and beliefs are put to the test. Wildfire expert Pat Durland will determine truth or bunk to questions we all have, drawing upon his long career as a smoke jumper, wildland firefighter, policy maker, insurance consultant, and wildland fire educator