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Sniffling, sneezing, coughing, aching, stuffy head andfever are more than just the list of common cold symptoms rattled off in every NyQuil commercial. They’re also often the start of many serious ailments. If you’ve been suffering from them without improvement, consider these signs you may need to put down the cold medicine and see a medical professional STAT.



Also known as EPLI, employment practices liability insurance is designed to protect small businesses in the event an employee files a lawsuit claiming harassment, discrimination or another such wrongdoing. It’s a worthwhile investment; employment practice lawsuit settlements can cost businesses millions of dollars. Even cases that are unsuccessful result in expensive legal defense fees—and, more often than not, damage to your company’s reputation. As such, an EPLI policy should be part of every small business risk-management strategy.



In order to legally operate your motor vehicle in the U.S., you must have a car insurance policy in place. The minimum requirements for bodily injury and property damage liability vary by state and must be considered when selecting insurance coverage. These minimums won’t change as your car ages, but the additional coverage you choose to purchase may. Consider making these adjustments as your vehicle becomes older.



Last September, the Bureau of Labor Statistics released the
preliminary results of the 2014 National Census of Fatal Occupational Injuries. The report revealed 4,679 fatal work injuries were recorded in the U.S. in 2014, an increase of 2 percent over 2013’s numbers. Nearly 750 of these workplace deaths were due to violence and other injuries by persons or animals. Among those classified as homicides, 32 percent involved relatives or domestic partners when female workers were the victims. Thirty-three percent of workplace homicides with male victims were robberies.


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