July 2014 / 5 posts found

IT Insurance

The Insurance Specialists Team specializes in IT insurance for technology businesses including self-employed individuals and IT consultants working from home. We understand the unique risks you face, that’s why we offer technology insurance that is customized to your specific needs. We cover a range of IT professionals including (but not limited to): IT consultants Application service providers Database administrators/designer Computer consultants Computer programmers Hardware installation experts Integration Specialists IT project managers Online security specialists Software developers System designers Website developers Professional liability insurance Professional liability insurance or errors and omissions insurance protects your business if there’s…

The Great 401(k) Flaw

by IST
401(k) plans have become widely used over the last 30 years. Unfortunately, the plan has many flaws. The biggest of which: is that when people reach the age they MUST begin withdrawing money from their plan. Age 59½. The 10 percent early withdrawal penalty on IRA withdrawals ends at age 59½. However, you are not required to take distributions until after you reach age 70½… AKA – the governments payday. How many of us were told to save tax deferred and then take out when you are retired and in a lower tax bracket? How many people can risk retiring […]

Good Moods or Bad Moods… They’re Contagious

by IST
People try to avoid picking up germs from someone who is coughing, but when they encounter a person who is in a bad mood, they can just as easily pick up their cranky vibes. Moods are contagious. It’s easy to catch a good mood. When you’re at work and co-workers have good news about something or someone, they want to share it with you. Excitedly, they announce the good news and everyone is in a better mood. The infectious quality of mood and emotion has been widely studied as a form of contagion. Without consciously trying, people are very good […]

Referral Corner

by IST
We want to thank you for your referrals over the years. We always ask our clients, “If they can just refer us one client per year, it would help us immensely.” We are grateful to everyone who’s referred someone our way, and we always love to have new people become part of our inner circle of friends and family. Simply send them our contact info. call 763.244.3735 , or email info@istmn.com or have them stop by one of the agency locations and tell them to tell us you sent them. We will give you a thank you and a Target […]

Grilling Safety

by IST
Summers mean backyard grilling – safely!   Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer and grilling in MN isn’t just about great food. Backyard barbecues often create treasured memories with friends and family.   Keep in mind, however, that when you grill, you’re literally playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or even serious injuries in grilling accidents.   There’s good news, though: You can prevent grilling accidents by taking some simple precautions. The tips below can help ensure you cook only your […]
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