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Insuring Your Side Hustle: Essential Coverage for Freelancers, Consultants, and Gig Economy Workers
Insurance documents and workspace for side hustle protection The rise of the side hustle, the freelance career, and the gig economy has fundamentally reshaped the way many people earn a living. The freedom is undeniable—setting your own hours, choosing your clients, and directing your own professional destiny. However, this independence comes with an important trade-off: you are now your own safety net . Unlike traditional employment, where benefits like health insurance and
joseph retcho
Nov 74 min read
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The Big 2025 Car-Buying Question: Should You Hit the Brakes or the Gas?
A modern car dealership with a variety of vehicles on display Hey everyone, it’s your friendly insurance agent here. For the last few years, the most common question I get (right after "Why is my rate going up?") has been some version of: "Is now  a good time to buy a car?" In 2022, the answer was a hard "No, unless you absolutely have to." In 2023, it was a shaky "Ehhh, it's getting better, but hold on if you can." Now we're in 2025. The dust has settled, but the landscape l
joseph retcho
Oct 237 min read
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What is a Real-ID and Do I Need It
Why Your Driver’s License Is No Longer Just for Driving As professionals dedicated to managing risks, our fundamental responsibility...
joseph retcho
Oct 89 min read
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New Jersey Health Insurance Basics
Ever felt like choosing health insurance is more confusing than solving a Rubik's Cube blindfolded? You're not alone. The truth is, the...
joseph retcho
Sep 258 min read
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Choosing the Right Life Insurance
For many, the process of selecting life insurance can feel like navigating a complex maze. There are a variety of policy types, a host of...
joseph retcho
Sep 1212 min read
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What Coverages Are Right for You
The Quest for Peace of Mind The process of choosing insurance often feels like a frustrating and bewildering guessing game. A pile of...
joseph retcho
Aug 289 min read
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The College Checklist: Beyond the Essentials for Incoming Freshmen and Their Families
The transition to college marks a significant and exciting new chapter, filled with anticipation and a few logistical considerations....
joseph retcho
Aug 1510 min read
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Drive Smarter, Save More: Your Essential Car Maintenance Guide
The Open Road Awaits – And So Do Savings! There is a profound sense of freedom that comes with hitting the open road, the hum of the...
joseph retcho
Aug 110 min read
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Choosing the Right Tires for Your Car: A Guide to Safety, Performance, and Your Insurance
The tires on a vehicle are far more than mere rubber circles; they serve as the singular point of contact between the automobile and the...
joseph retcho
Jul 1821 min read
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Summer Safety Tips for Homeowners
Summer brings longer days, warmer weather, and increased outdoor activities, but it also presents unique safety challenges for...
joseph retcho
Jul 1010 min read
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Liquor Liability Insurance: Why It's a Must-Have for New Jersey Stores and Restaurants
As an insurance producer who has worked extensively with New Jersey hospitality businesses, I've witnessed firsthand how a single...
joseph retcho
Jun 2710 min read
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The Complete 2025 Minivan Guide: Safety, Insurance, and Value for Modern Families
As family transportation continues to evolve, minivans remain the ultimate choice for those prioritizing space, safety, and practicality....
joseph retcho
Jun 138 min read
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Home Insurance Claims and Coverage: Your Guide to Protection and Peace of Mind
Home insurance is your financial safeguard against unexpected disasters, but understanding what it truly covers, what it excludes, and...
joseph retcho
May 306 min read
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Car Insurance Premiums in the US: A Comprehensive Analysis for 2025
The American car insurance landscape continues to evolve in 2025, with premiums varying dramatically based on geographic location, driver...
joseph retcho
May 227 min read
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Mini Guide to Starting an Airbnb Business
Entering the Airbnb business can be both lucrative and rewarding, but it’s also fraught with risks and responsibilities. This guide...
joseph retcho
May 86 min read
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What to Expect When Buying a Car Amid New Tariff Uncertainty: Should You Buy Now or Wait?
Buying a car is always a major decision, but in 2025, the landscape is more uncertain than ever due to sweeping new tariffs on imported...
joseph retcho
May 15 min read
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Sending Your Child to College? Here’s the Insurance Guide Every Parent Needs
It’s an exciting time to send your child to college, but it’s also a period filled with questions and, sometimes, anxiety—especially when...
joseph retcho
Apr 256 min read
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Can I Insure Someone Else's Car on My Personal Car Insurance Policy?
The question of whether you can insure someone else's car under your personal auto insurance policy is complex and depends on several...
joseph retcho
Apr 43 min read
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Are ridesharing like Lyft and Uber covered under the personal insurance policy?
Ridesharing has become an integral part of modern transportation, offering convenience and flexibility to millions of users worldwide. As...
joseph retcho
Mar 283 min read
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Understanding Impaired Driving Charges: DWI, DUI, OUI, OWI, OWVI, and DUAC
Impaired driving is a serious offense that puts lives at risk and carries significant legal and financial consequences. While most people...
joseph retcho
Mar 204 min read
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