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Hockey is a notoriously rough sport, and no part of the body is more vulnerable to injury by that cold, hard ice or that fast-flying puck (not to mention a fellow player's fist or elbow) than the head. Concussions abound in the NHL, with more and more-many of them undocumented-happening every year. Former hockey star Keith Premeau, who suffered at least four concussions during his career, told the L.A. Times in 2011 that his career was cut short by his head injuries. "[T]here isn't a day that goes by that I don't sense I've damaged my brain," he said. This is sad, but not surprising, as concussion-related symptoms can last for years.
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Those of us in Michigan who took our Drivers' Ed classes in decades past certainly remember the oft-repeated phrase "ten and two." Ten and two is a kind of code for the positions one's hands should take on a steering wheel. If the steering wheel is a clock, we were all told that you should place your right hand at two o'clock and your left at ten o'clock. Keeping your hands thus positioned would enable you to steer effectively and retain the greatest control over your vehicle. Ten and two! It's practically gospel, right?
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Do you consume health care wisely? This is the month for Michigan resident to consider that question.
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Red hearts, chocolate, lace, and roses: it's that time of year again. With February comes Valentine's Day, and with Valentine's Day comes thoughts of love. While Valentine's Day emphasizes romantic love, or eros-the kind of love that results when Cupid's arrow penetrates a heart and inspires swoony, smitten feelings of attraction and desire-it's also a time to celebrate other forms of love, like the love a parent has for a child, the love between friends, or the quiet, strong and steady love between long-married spouses. Indeed, Valentine's Day is a time to honor all kinds of love.
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Insurance can be a tricky business. Shopping for can feel intimidating because there are so many providers and plans to choose from, so much fine print...and so many misconceptions! Yes, myths abound in the insurance world, and they are perpetuated as readily and colorfully as any fairy tales or legends.
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Most business owners in Michigan are so preoccupied by what's happening in the present-customers or clients to serve, bills to pay, employees to manage-that they scarcely have a free moment to think about the future. But the future comes much sooner than most of us expect, and it's smart for business owners to ask some serious questions about it. What would happen to your business, and your family, in the even of your death? Do you have the right life insurance policy in place, one that recognizes the role your business plays in the financial health of your family? Here are a few future-related questions for business owners-ones that, fortunately, we can answer.
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One of the best ways to beat the winter blahs is to stay active. When the weather in Michigan is chilly, the sky is gray, and your mood is blue, it's smart-and fun-to get out and get moving. Downhill and cross-country skiing, snowboarding, and ice-skating are just a few classic winter sports that make many people look forward to the most frigid time of year. But, like all sports, these winter sports can be dangerous. Accidents are common, and costly. Use the following tips to stay safe during winter sports season, and protect your finances in the event of a mishap.
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Resolving to make improvements to your health and habits in 2013 can do more than just improve your longevity, your quality of life, your appearance, and your attitude; it can also work to put more money in your pocket! How? Well, in addition to all the cash you'll save by foregoing that daily double mocha with whipped cream, you can also reap the benefits of having decreased insurance rates. That's because many insurance providers will give you a break if you make changes for the better. For example:
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The invitations have been sent, the hors d'oeuvres ordered, the house decorated, and the liquor cabinet replenished. You're ready to host a fabulous holiday party! Before you open the front door to a flurry of friends and family, however, make sure that you have the necessary insurance in place.
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Most of us in Michigan have insurance for our homes, cars or businesses. We know life insurance is part of any good financial plan and health insurance can protect us from catastrophic medical bills. But there are a few other programs that we come in contact with - we don't usually think of these programs as insurance, but they are.
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