There’s nothing like a day on the water – jumping waves, the wind in your hair, the sun on your face. Riding a personal watercraft (PWC) can be thrilling, but like operating any other vessel, you must know the proper techniques and safety precautions to stay safe. Whether you have a Jet Ski, Sea-Doo, WaveRunner, or other type of watercraft, your top priority should be safety. We’ve rounded up some of the essentials to help ensure a positive and safe experience.

1. Enroll in a boaters safety course

The U.S. Coast Guard considers personal watercraft to be Class A vessels – meaning the same federal rules that apply to boats less than 16 feet also apply to PWCs. However, in terms of steering and performance, operating a PWC is very different than boating.

More than 40 states require riders to complete formal personal watercraft training. But no matter where … Read more

While many people think tornadoes impact only the Midwest, every state in the country is vulnerable to tornadoes, according to the National Oceanic and Atmospheric Administration (NOAA). Approximately 1,200 tornadoes hit the U.S. each year, causing an average of $24,000 in home damage and $4,000 in auto damage.

Stay prepared and informed of severe weather drills in your state by checking the official severe weather preparedness dates. These drills are typically conducted before tornado season begins in each state.

Preparing your car before a tornado strikes

If the area you live in is under a tornado watch, which means that tornadoes are possible in the nearby area, move your car into a garage or away from any trees. Do not, however, attempt to do this if conditions are unsafe or if your area … Read more

Finding the right employees can be a challenge in any industry. To put the right people in the right positions, it is always helpful to brush up on interviewing skills and putting an effective interview process in place.[i]

Conducting a job interview takes some planning. Making sure you find the right candidate for the job involves reviewing applications, preparing interview questions, creating scorecards — among other things. If you are an employer wondering how to conduct a job interview effectively, here are seven tips to follow.

1. Build an interview structure

Before you start scheduling, create an interview structure. Essentially, you want to create an agenda for these meetings, which helps you know how to guide and streamline each interview process. You might start off with an introduction, followed by an overview of job duties, and a list of questions to ask each candidate. If applicable, you may … Read more

Insurance customers are often eager to save money, and insurance companies have continued finding ways to help them lower their premium costs. One way that companies reward drivers who don’t log a lot of time behind the wheel is to give them low-mileage discounts for driving less.

The costs of premiums vary from state to state. Some states require insurers to factor in the estimated annual mileage when they set rates.[1] Why does this matter? In California, increasing estimated miles from 5,000 miles to 20,000 miles per year equates to approximately a 25 percent premium hike.[2] Insurance companies can make incremental increases for drivers who put more miles on their cars, although the differences are typically not as significant as in the Golden State.[3]

Still, saving money on your car insurance can help you out financially, and the idea of saving money by driving less is one … Read more

Highlights:

• If you’re a safe or low-mileage driver you may be able to save now
• Nationwide offers two usage-based insurance options that may be right for you
• Talk to your insurance agent about the best fit for you

You may be wondering which usage-based insurance (UBI) program would best suit you. UBI programs and the customized options they can provide are becoming the choice for a growing number of drivers. Carriers that can tailor auto insurance coverages and options based on the unique needs of all the drivers in a household are giving customers the control they’re looking for from a car insurance company.

Nationwide offers two usage-based insurance programs

There are two UBI options that could help you save, depending on how you drive. SmartRide^® offers a discount based on how safely you drive. SmartMiles^® provides a rate based on how much you drive. … Read more