In the past, shopping for your Medicare supplement — or “Medigap” — insurance was extremely confusing and difficult because companies offered policies with completely different benefits at a wide range of prices.

Now you can use price and plan benefits as the basis for your purchasing decision because the standard plans are identical from company to company. The only difference is which plans the company offers.

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Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:

1. Replace income for dependents If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is parents with young children...

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To obtain a Class M (Motorcycle) license in the state of Pennsylvania, an individual must pass a basic motorcycle knowledge test and apply for a Class M learner’s permit. The learner’s permit allows the applicant to ride only between sunrise and sunset and, except for a rider licensed to operate another class of vehicle, only while under the instruction and supervision of an individual who holds a Class M license. Class M permit holders cannot carry any passengers other than an instructor properly licensed to operate a motorcycle. The permit is valid for 1 year. The cost of the permit is $10.00. Read the rest of this entry »

Motor vehicle crashes are the leading cause of death for U.S. teens, accounting for 36% of all deaths in this age group (CDC 2006). However, research suggests that the most strict and comprehensive graduated drivers licensing programs are associated with reductions of 38% and 40% in fatal and injury crashes, respectively, of 16-year-old drivers (Baker et al. 2007). Read the rest of this entry »

College students who live off-campus should strongly consider purchasing renters insurance, according to Pennsylvania Insurance Commissioner Diane Koken. Read the rest of this entry »

New residents of Pennsylvania who hold a valid driver’s license from another state in the United States must get a Pennsylvania Driver’s License within 60 days after moving to PA and surrender their out-of-state driver’s license and/ or ID card. Read the rest of this entry »

Protection against avoidable breakdowns and crashes. Improved vehicle handling. Better fuel economy. Increased tire life. Just a few of the reasons to take five minutes every month to check your tires. Simply use the handy checklist below, and see the reverse side for more information on tire safety. Read the rest of this entry »

Did you know that airbags save over 1,500 lives per year? Amazing isn't it. For adults, airbags can seriously reduce the chance of injury in a crash that's a good thing. What's not so good is that the force of an airbag when it's deployed can severely injure small children. Read the rest of this entry »

Put yourself in your young child's place by crawling around your home on your hands and knees. Keep a sharp eye for places they could receive an electric shock, get fingers or head stuck, reach sharp or dangerous objects, get burned or scalded, reach toxic chemicals or toxic plants, tip over heavy objects onto themselves (e.g., TV stands, microwave carts, stereo components, aquariums, floor lamps, freestanding bookshelves, etc.). Secure all unstable objects or move them to rooms where your child cannot go. Bookshelves should be bolted to the walls or floor. Read the rest of this entry »

Auto-Maintenance Safety: Anytime you plan to work on your own vehicle, there are some important safety precautions that you should follow. Before you even begin looking under the hood of your car, be certain that the parking brake is engaged and the car is in "park." As an extra precaution, chock the wheels to ensure that the car doesn't roll. Read the rest of this entry »