Sunday, November 27, 2016

Tip of the Week - Be safe while shopping online during Cyber Monday

SAFETY TIPS FOR CYBER MONDAY


PCI provides safety advice for both businessses and consumer to stay safe while shopping on the web


Property and Casualty Insurers Association of America urges customers to guard their identities, personal information, and businesses on Cyber Monday. Nearly 1/3 of cyber attacks aimed at businesses with 250 employees or smaller and 50% aimed at businesses with fewer than 25 employees.

For consumers / shoppers



  1. Image result for online shopping
    Confirm that the website is legitimate before you give out personal information.  
  2. Look for indicators; “https,” rather than “http,” at the beginning of the URL on a checkout page Prevent access to bank accounts by using a credit card when purchasing online rather than a debit card. Credit cards usually have a limit on your liability for unauthorized transactions. Frequently reviewing bank statements for unauthorized charges is imperative, and report any unauthorized charges or discrepancies to the credit card company as soon as possible.

  1. Use high-quality Internet security software for further protection against cybercrimes indicates that the site is secure. 

For business

  1. Put appropriate security measures in place to protect customers’ personal information.
  2. Make sure appropriate security software and firewalls are being utilized to protect against criminals hacking into the website.
  3. In order to protect the customers and the business, test e-commerce mechanisms and confirm that everything is secure.
  4. Image result for online shoppingConfirm with third-party vendors that they have proper security measures in place, as well.





I hope you had a happy Thanksgiving holiday!


Barbara Hollis
Capital Insurance Agency of Raleigh, LLC
www.CIAR-info.com
919-685-2530



Sunday, November 13, 2016

Tip of the Week - It's about to be winter time


It is hard to believe it is winter time.

 This is the time of year when a lot of HVAC exchange failure occur reason being is because the thermal fatigue is accelerated by the corrosive combustion gasses that pass through the heat exchanger tubes on their way to the exhaust flue and condensation that may collect in the heat exchanger during heat transfer. Heat exchanger cracks can range in size from a single hair to openings as large as a half inch or more. With a heat exchanger failure comes a claim, but that is not the only thing to be concerned with because cracked heat exchangers can and may release toxic  fumes and gasses throughout your home.

  Therefore, please have your HVAC system serviced regularly.
.  Source: P&C360





Barbara Hollis
Capital Insurance Agency of Raleigh, LLC
www.CIAR-info.com
919-685-2530




Saturday, November 5, 2016

It's Time to choose your health plan!!

IT'S OPEN ENROLLMENT TIME AGAIN FOR
MEDICARE AND ACA







Let's get our alphabets out of the way first

CMMS - Centers for Medicare and Medicaid Services  
ACA - Affordable Care Act (Obamacare)
CHIP - Children Health Insurance Program                   
HDHP - High Deductible Health Plan
HRA - Health Re-imbursement Account                        
FSA - Flexible Spending Account 
APTC - Advance Premium Tax Credit                          
FPL - Federal Poverty Level
The terms above are common terms you will see when navigating thru enrollment process for medicare and obamacare.

MEDICARE:
     Open enrollment runs from October 15, 2016 thru December 7, 2016


ACA/OBAMACARE:
     Open enrollment runs from November 1, 2016 thru January 31, 2017




See the chart below to see how your income compare to the guideline for ACA

FPL INCOME GUILDLINES
family size 100% 133% 138% 250% 400%
1 $11,880 $15,800 $16,400 $29,700 $47,550
2 $16,020 $21,300 $22,100 $40,050 $64,100
3 $20,160 $26,800 $27,800 $50,400 $84,650
4 $24,300 $32,300 $33,600 $60,750 $97,200
5 $28,440 $37,850 $39,250 $71,100 $113,800
6 $32,570 $43,318 $44,946 $81,425 $130,280
7 $36,730 $48,850 $50,700 $91,850 $146,900
8 $40,890 $54,400 $56,450 $102,250 $160,550

Did you Know...
    that you could penalized up to $695.00 for not signing up for ACA.


To find out your eligibility for ACA please click here Healthcare.gov
or
Call the Marketplace at 1-800-318-2596


Barbara Hollis
Capital Insurance Agency of Raleigh, LLC
www.CIAR-info.com
919-685-2530