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Family standing outside their house

Tips for first time homebuyers

Home ownership is the heart of the American Dream. Owning a home provides stability for your family, defines your place in the community and empowers you to accumulate wealth through credit, home equity and retirement savings. Being a first time

Home & Auto, Lifestyle
Boss talking with employee

How to be a great boss

If your workers are quitting, you might point to a lot of potential reasons. They’re unwilling to work. They want more pay than you can provide. They just don’t have the focus and dedication needed to cut it. But have

HR, Lifestyle

November HR Update

OSHA Vaccine and Testing ETS Update Several states attorneys general and companies have filed lawsuits against the recently announced Occupational Safety and Health Administration’s (OSHA) COVID-19 Emergency Temporary Standard (ETS) on COVID-19 vaccination and testing for the workplace, primarily alleging

Compliance
Man working from home

Starting a home-based business

If you’re looking at starting a home-based business, you’re not alone. According to the Small Business Administration (SBA), almost half of small businesses are run from home. During the COVID-19 pandemic, the U.S. saw a record number of new businesses

Business Insurance, Lifestyle

Compliance Update – OSHA Releases Vaccination and Testing ETS

OSHA Releases Vaccination and Testing ETS On Nov. 4, 2021, the Occupational Safety and Health Administration (OSHA) announced a federal emergency temporary standard (ETS) to address COVID-19 infections in the workplace. Included in the release are FAQs for employers and information for employees on

Compliance
Two business people meeting

Who needs errors and omissions insurance?

Have you ever made a mistake? Of course, you have. Even the most meticulous person messes up from time to time. It’s only human – but when clients are counting on you to provide expert advice and deliver quality services,

Business Insurance
Man working on side hustles from home

Starting a side hustle: what you need to know

People struggling to make ends meet or just wanting a little extra cash in their pockets are turning to side hustles. Side hustles, as the name implies, are legitimate money-making activities done outside of your day job and not, as

Lifestyle
Annoyed employee sitting at a desk

How to discipline an employee with a bad attitude

A bad attitude can be contagious. According to National Geographic, our moods can infect others, and bad moods may spread more easily than good moods. For employers, this means that ignoring a bad attitude may just allow it to get

HR

October Retirement Times

DOL Cybersecurity Tips In this age of relying heavily on technology, it is vital to take the necessary cyber security precautions. You want to make sure that all sensitive information is highly protected. This document showcases some tips and trick

Retirement Plans

Collision insurance coverage: the essentials

If your car is damaged in a collision, will your insurance provide coverage? Without collision insurance coverage, the answer may be a resounding, “no.” If you own a car, you should keep reading to learn more about this coverage, why

Home & Auto

Discretionary employee benefits 101

Employers are spending significant sums on employee benefits. According to the U.S. Bureau of Labor Statistics, employee compensation for civilian workers averaged $39.01 per hour in March 2021. Of that total, only $26.84 went to wages and salaries. The rest –

Employee Benefits

What goes into branding your business?

The concept of branding dates back more than 4,000 years. Of course, back then, people weren’t branding their businesses; they were branding livestock as a means of claiming their property. While the term “branding” today means something very different, the

Lifestyle

Insurance for consultants: what coverage is needed?

Consultants provide valuable services in many areas – from marketing and business to finance, real estate and beyond. However, providing advice and expertise involves some risks. For example, if a consultant’s advice results in a client’s financial loss, the consultant

Business Insurance

Medicare Part D Notices Due Before Oct. 15, 2021

Each year, Medicare Part D requires group health plan sponsors to disclose to individuals who are eligible for Medicare Part D and to the Centers for Medicare and Medicaid Services (CMS) whether the health plan’s prescription drug coverage is creditable.

Compliance

September HR News Worth Review

Agencies Issue No Surprises Act and Transparency Rule FAQ On Aug. 20, 2021, the Departments of Labor (DOL), Health and Human Services (HHS) and the Treasury (Departments) issued frequently asked questions (FAQs) regarding the implementation of the No Surprises Act and transparency

Compliance

September 2021 Retirement Times

When It Comes to Financial Wellness…the Time is Now While one could say it’s always a good idea to focus on well-being of any type — whether that’s physical, mental or financial wellness — there’s perhaps never been a more

Retirement Plans

Everything you need to know about television advertising costs

Television advertising has stood the test of time. Despite the surging popularity of social media and online streaming services, spending on television advertising has not fallen below the $60 billion dollar mark since 2011. Though spending in North America dropped

Lifestyle

Could behavioral interviewing transform your hiring results?

If you’ve ever hired, onboarded and trained new employees, only to have them quit 90 days later, you know that it’s a frustrating and costly endeavor. Unfortunately, the person you meet in the interview often does not seem like the

Employee Benefits

What is gap insurance?

If you’ve ever purchased a new car or taken out a loan for a vehicle, you may have been offered – or even required – to have gap insurance. If you’re like most people, you already buy auto insurance, so

Home & Auto

10 types of small business loans

Higginbotham is not a law firm, and this article is not meant to provide legal advice. Every small business is unique, as are its capital needs. Navigating the world of small business loans can be confusing. Here are 10 of

Business Insurance

What is a standard employee benefits package?

Attracting and retaining top talent is a task on most business owners’ to-do lists. During the Great Resignation of 2021, this task has become even more challenging. As a result, offering competitive benefits is more important than ever. To help

Employee Benefits

August 2021 Retirement Times

Generational Influences and Behavioral Finance Understanding generational attitudes toward investing and the cognitive biases that can lead participants astray is key to helping employees of all ages improve their financial wellness and prepare for a secure and successful retirement. Boomers

Retirement Plans

Claims-made vs. occurrence: what are your policy terms?

If your business gets hit with a claim, the insurance company will cover the claim – right? It sounds like it should be simple, but when there’s a long gap between the incident and the claim, things can get complicated.

Business Insurance

How to terminate an employee

Some employees just aren’t a good fit. Whether it’s because of gross misconduct, poor performance, or internal structural changes at the company, sometimes you need to terminate an employee. When this happens, it can be uncomfortable for everyone involved. The

Compliance, Employee Benefits, Risk Management