INSURANCE . RETIREMENT . INVESTMENTS   

Guardian Group Blog

Luckily, there are many ways that you can pass the time constructively at home while still having fun and making the most of it, and today we have brought you information on 5 of those ways so that you too can make the most of your vacation time at home.

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Whether travelling abroad or spending time at a resort right here in the Caribbean, all our travelling plans are now on hold due to closed borders. But did you know that there are several creative ways for you to travel without even leaving your home?

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As the rainy season is upon us, we may find ourselves having to drive through the rain to get to work or to run our daily errands. Unfortunately, driving through the rain can be dangerous as the rainwater can make your brakes less effective at slowing or stopping your vehicle. This can be dangerous for vehicles with new brake pads, far less for brakes that are worn and need replacing, as they will be even less effective in wet conditions.

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Your windows are important parts of your home and they have a wide range of purposes, from letting in sunlight and fresh air into your home, to keeping out unwanted intruders.

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It is one of the most common natural disasters that occurs throughout the world, and especially in countries that experience a rainy season, such as the Caribbean islands of Trinidad and Tobago, Barbados and Jamaica.

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Heavy rains and poor roofing do not go well together and as the rainy season has started, now more than ever it is important that your home’s roof is in top shape to weather any storm that may come by and give you and your family that peace of mind knowing that you are safe and secure when indoors.

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It is important that as a driver, your motor vehicle is mechanically sound so that you and your loved ones remain safe while driving.

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When we hear the term “pension plans”, we associate it with retirement, and assume that it is something we should consider later in life. However, it is never too early to start a pension plan.

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As we are in the rainy season, now more than ever it is important for you to re-evaluate your policies and ensure that they are up to date so you have one less thing to worry about.

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Today we have brought you some tips on how you can manage investments and improve your financial health during economic downturns to better mitigate your risks and maximise your returns.

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Now that we are working from home, it is easy for the lines that separate work and life to become blurred, leading to overwork and fatigue. Today we have put together some tips on how you can maintain a healthy work-life balance.

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Encountering bad roads is part of driving and you should be equipped with the right driving knowledge in order to maneuver safely over these roads and minimize damage to your vehicle.

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A bushfire is defined as an uncontrolled fire in a wooded or grassy area. Bushfires are dangerous if left uncontrolled and can rapidly spread and destroy everything in its path. This includes your very home. 

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A very useful service, today we would like to discuss 5 reasons why Roadside Assistance is an important part of your insurance policy.

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How has the Dry Season been treating you so far? During this time, we experience consistently sunny weather for weeks on end resulting in your home becoming unbearably hot.

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Car troubles, we have all been there. Despite regular servicing, the possibility of your vehicle breaking down due to mechanical failure still exists. It is important that you know the steps to take in such a situation to remain safe.  

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The most basic use of ‘Business Succession Planning is to protect your company in the event of the untimely death of a major contributor to the “bottom line”. 

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For most of these companies, the untimely death of one a “key” person can result in the collapse of a business unless there are sufficient plans in place and funds available to keep the business afloat.

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Car accident statistics show that despite there being 60% less traffic at night, more than 40% of motor vehicular accidents occur at night as opposed to during the day.

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Although a welcome change from the Rainy Season, the constant sunshine can have several adverse effects on your health, particularly your skin.

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Although appreciated by many, in some instances the sunlight during the dry season can be quite severe and can have several adverse effects, particularly on your home and contents.
 

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Starting an Education Fund for your children is one of the best financial decisions you can make and it gives them a head start at life when they are ready to pursue their educational paths.

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Many people only start to think about retirement planning closer to retiring but this is not recommended as planning should begin as early as in your 20’s.

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2020 is here, a new year and a new decade has started. There is no better time for you to put steps in place to safeguard your financial future.

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The Christmas season is celebrated by using fireworks throughout the world, and right here in the Caribbean. Beautiful, eye-catching and memorable, but also very dangerous if not used correctly.

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Whether ham or turkey, Christmas dinner is a staple every year and we take this time to pull out all the stops when cooking. It is important that we observe all safety precautions during while we cook.

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This week we are here to discuss Home Safety Tips for the Christmas Season to help keep you and your loved ones safe so you can enjoy the festivities with an easy mind.

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Different Motor Insurance Plans offer different benefits and pricing, so it is important to select the right plan that fits your needs, your vehicle and your budget.

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Are you without Insurance Coverage this Christmas? We specifically prepared this piece with information on the Top 3 most important Insurance Plans that we think you should consider for the Christmas Season.

 

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Christmas is seen as the time of giving and purchasing a new home can be one of the best gifts you give to yourself and your family. It’s one of life’s biggest steps and like any major financial decision, you should take all the precautions to safeguard your investment.

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Christmas is the time of the year when shopping reigns supreme, but if you are not careful you may end up spending more than you budgeted.

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Learning to cope with critical illnesses can take a mental and emotional toll on both you and your loved ones, more so if these illnesses are terminal. These illnesses bring with them not only the high cost of medical bills, but feelings of sadness, hurt, frustration, fear and anxiety.

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While it is great to protect yourself and have a safety net in the form of a Critical Illness Insurance Plan, simple preventative steps can be taken to help limit the likelihood of developing critical illnesses.

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Anyone can apply for a Critical Illness Insurance Plan.

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A critical illness plan works differently from a LifeCare or regular health insurance plan.

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The inevitable happened and a hurricane made landfall, leading to considerable damage to property, contents or even both. Luckily you have invested in a sound Home and/or Contents Insurance Policy which covers this sort of problem.
 

What should you do next?

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In last week’s piece, we talked about the different types of tropical weather conditions; tropical depressions, tropical storms and hurricanes. Tropical depressions, given the right conditions, can evolve into tropical storms, which can further evolve into full-fledged hurricanes.

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In today’s piece we’ll be looking at the different types of tropical storms, their effects and what you should expect from each.

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In today’s article, we have provided some Hurricane Recovery Tips to help you get back on your feet and get your life back on track.

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Other countries within range of the Atlantic are taking this time to review their hurricane preparations and are placing more emphasis on reinforcing their homes and evacuation plans. Can your home withstand a Hurricane? In today’s article, we will be looking at ways you can hurricane-proof your house.

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Were you the victim of heavy rainfall that led to the flooding of your home? In this week’s article we will be discussing what you should do AFTER a flood.

 

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Some instances of flooding can be extremely dangerous due to the volume and force of the flood waters, which are easily capable of sweeping away vehicles, home contents, destroying buildings and even people and livestock.

 

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Today we would like to talk about the importance of knowing the details of your insurance policies during the Hurricane season.

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Kadooment Day celebrations are underway and the atmosphere is filled with fun and excitement! It’s just once every year, and we look forward to it! Despite the revelry, we must remember that safety comes first at all times.

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While Kiddies Kadooment is that time of the year when children are free to express themselves and have fun, much responsibility falls on the shoulders of the parents or guardians during this time.

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You’ve already covered all of the basic preparations in terms of reinforcing your home and stocking up on emergency supplies, but there’s another thing you must do; prepare your child for a Hurricane.
 

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The Caribbean Islands are home to avid boaters and companies that operate cargo and transport vessels and as we are one month into the Hurricane Season, we decided to write this blog entry with you in mind, with key tips on how you can safely secure your vessel and mitigate damage during a Hurricane.
 

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Sometimes in the midst of disaster preparations, the safety of our pets is often relegated, but this should not happen.

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The coming rain brings with it strong, gusty winds throughout the country. While we may enjoy the cooling effects of the winds especially on humid days, the winds themselves can cause serious damage to your home if they are too strong. 

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Your home is your castle, and it should be treated as such, especially during the rainy season when the weather is less predictable.
 

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We are two weeks into the start of the Rainy season and you should be taking all of the necessary precautions to keep yourself and your loved ones safe.

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The Rainy season has finally arrived. The question is, are you ready?

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Leaving the nest is one of those inevitable moments in life; we finally leave the safety and comfort of our parents’ or guardians’ homes and venture forth on our own.

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Collecting their dues is just one of the responsibilities of being a Landlord, but with today’s blog we have in-depth knowledge to help you delve into responsibilities of being a Landlord.

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 Building a financial plan takes time and careful consideration, especially given the unpredictable nature of finances and often times it is better to start early as some of the objectives of these plans take time to actualize.   

 

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Some may prefer sunny days, but in the tropics, the excessive levels of sunlight can have disastrous effects on both the environment and on your health.  

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Many of us have set goals and objectives to be met for the year of 2019, some of which may have even coincided with New Year Resolutions. It is important to review what was achieved and ascertain what is left to do for the rest of the year.

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By investing now in your children’s education, you are not only making the eventual financial costs easier, but you are also opening new education opportunities for your children, giving them greater access to programs worldwide.

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Life insurance is often mistaken as an insurance type that is specifically geared towards adults and not for children, as adults are at a higher risk of death and would leave behind more dependents.

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Should I get Life Insurance and Is Life Insurance a Good Investment? Do I NEED Life Insurance?

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Are you a renter or considering renting? Is renting an economical choice? What are the benefits or drawbacks of renting? Read here.

 

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