INSURANCE . RETIREMENT . INVESTMENTS   

Guardian Group Blog

Motor accidents, we try our best to avoid them but sometimes circumstances are out of our control and they happen. You get into an accident, your vehicle is damaged, the question is; what should you do next? 

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We think that insurance is simply a standard payment we must make monthly  but the truth is, the circumstances of insurance policies change very frequently.

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Whether you’re 18 or 85, no one can deny that owning your first car is a huge step in life. That glorious moment when you finally move from being a passenger in a taxi, to the driver of your own car.

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We sometimes find it difficult to survive on our income, but do we need to? Most of us find ourselves spending most of our net income or spending more than we earn. The issue begins with us not monitoring our spending. How many of us keep tracking of our spending daily or even monthly?  

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Every New Year we jovially make resolutions and swear to keep them. We may have bad traits, behaviours, habits or just want to make an overall positive change to improve our lives, so we resolve to do so starting the first day of the New Year. But what ever happens? How many of the resolutions we make are actually achieved?

 

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The Christmas Season represents many things and one aspect of this holiday that truly stands out is FOOD. That’s right, endless varieties of delicious local and international cuisine cooked to perfection. However, you may estimate your ingredients incorrectly when cooking and accidentally make more food than you bargained for. What can you do if this happens? Instead of letting food waste you can store it properly as leftovers to last for weeks or even months.

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Whether it’s cooking for your significant other or throwing a feast for your entire family, Guardian Group is here to give you some crucial tips to keep you safe while cooking for the season!

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Hosting your first Christmas Dinner can be an exciting adventure and a pleasure to all the guests present but a disaster if not executed properly. Guardian Group is here to give you the Do’s and Don’ts you need to know when hosting your first Christmas Dinner!
 

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Online Shopping is one of the most popular ways to purchase goods and services but there are some important things you should know. Here are some tips for beginners and first time online-shoppers :Online Shopping is one of the most popular ways to purchase goods and services but there are some important things you should know. Here are some tips for beginners and first time online-shoppers :

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Flooding is a natural disaster that is best described as the “overflow of water onto land that is usually dry”. Having knowledge of this phenomenon is particularly important for those of us who live on tropical islands like Trinidad and Tobago, Jamaica and Barbados, as our location leaves us prone to Tropical Storms, Depressions and Hurricanes, all of which directly contribute to flooding.

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Has this thought ever crossed your mind? It certainly has, at least once a week, once a day or every time an unexpected event occurs, that just throws us off. Yes you deserve it, your family deserves it and believe it or not, it is possible!

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When should you start thinking about retirement planning? The truth is, you should start your retirement plan of action in your twenties, probably when you get that first job. 

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Owning a car has become a fundamental necessity in modern day living. No longer is owning a car a privilege of a few. When making this very important purchasing decision, many factors must be considered.

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So you’ve just left school and you’re in the market for your first car. Or maybe you’re a parent with a freshly minted adult in your household hovering about putting the “pedal to the metal.” In either circumstance one thing’s for sure: those desired wheels cannot hit the road without car insurance. While our experience with car insurance changes with time, for young drivers (those between 17 and 25 years old) the scenario is both new and different. Here are few tips to consider when choosing auto insurance.

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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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The dry season is sometimes called ‘bushfire season’ due to the higher occurrences of bushfires. 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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Just 1 week left till Carnival on February 24th and 25th! What are your plans? If you are on the road this year, it is important that you take all the necessary steps to keep yourself and your group safe so you can enjoy Carnival 2K20 with no worries.

 

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 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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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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When should you start investment planning? The answer is: the sooner the better!
 

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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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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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Today we would like to explore hurricanes and the different categories of 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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The Caribbean islands of Trinidad and Tobago, Barbados and Jamaica are located on the Caribbean Plate; an oceanic tectonic plate that resides underneath Central America and the Caribbean Sea. While not as frequently occurring as in other parts of the world, earthquakes are still very common.

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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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Have you ever wondered what exactly happens when you drive through flood water?

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We can take all the measures we humanly can to keep our homes and family safe, but should a hurricane prove to be too dangerous, evacuation is the only option left to safeguard your life and the lives of your loved ones.

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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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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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Whether your tickets are already booked or you are still weighing your options for travelling, one thing you should be sure to get is Travel 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 more.

 

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Asset management is a service offered to those who wish to leave the management of their assets to firms or Insurance Companies

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Life Insurance is arguably one of the most popular forms of Insurance and is highly sought after due to the benefits to the beneficiaries.

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How much do you know about General Insurance?

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We live in the age of technology and the simple act of creating a Neighborhood WhatsApp Watch Group can go a long way in keeping you and your home safe. 

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 While Kiddies Carnival 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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Looking good and feeling good on the road is important, but having the right types of insurance while you have fun is even better.

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Not Carnival-ready? Operating on a tight budget? Whatever the reasons, sometimes the prospect of staying at home and kicking it back with the people close to us just seems like the better and more logical choice.

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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 much more than you budgeted. While we would want to shower our loved ones with gifts they deserve, it is also important to be mindful of your financial limits. This is particularly important for those of us who are paid monthly and must wait till the end of January for our next salary.

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According to the US Department of Health and Human Services, physical fitness is described as "a set of attributes that people have or achieve that relates to the ability to perform physical activity.” This description goes far beyond the traditional interpretation of physical fitness, which is shredded physiques, small waistlines and little body fat. This interpretation could be further from the truth.

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