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Snow, ice, and cold temperatures all drastically change the nature of driving in Minnesota. During the winter months, these factors demand that you make changes to both the inside and outside of your vehicle. Doing so will help to keep you and your passengers safe during a period when the roads are notoriously dangerous. Here are some tips for getting your vehicle ready for winter driving conditions:
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You've done it-you've transformed a brilliant idea into reality, and started your own business in Minnesota. It's wonderful; you don't have to answer to a boss, you can work the hours you want, and you feel truly in charge of your own future. You've even managed to hire some employees, whose efforts will help your enterprise to grow and thrive.
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Most of us in Minnesota have insurance for our homes, cars or businesses. We know life insurance is part of any good financial plan and health insurance can protect us from catastrophic medical bills. But there are a few other programs that we come in contact with - we don't usually think of these programs as insurance, but they are.
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During a month when family togetherness is emphasized and that chunk of time known as "the Holidays" begins, it makes sense for us in Minnesota to think about preserving the safety of our children. Many of us give even more thought than usual to how much we love and appreciate our families and our friends, particularly the younger ones among them, for whom we are busily shopping for gifts or preparing special sweet treats. Today's youngsters, who will inherit this world from us, are tomorrow's leaders, who will use their varied gifts to shape it. Keeping them safe and protected ensures a brighter future for all.
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Few connections are as vulnerable to conflicts as the ones between neighbors. Fence lines, Fido's bathroom habits, and Friday night parties hosted by unsupervised teens are just a few common examples of matters that inspire some not-so-neighborly arguments. Most Minnesota residents can readily point a finger at a neighbor who has proven to be less than considerate. But there is at least one thing every single one of us can do to be a better neighbor: have home insurance liability coverage.
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Halloween is a holiday during which innocence is celebrated. Minnesota residents delight in dressing our little ones up in funny costumes and escorting them around the block so they can charm the candy out of neighbors' hands. We bob for apples, hang fake cobwebs and paper skeletons around the house, and carve pumpkins-all activities primarily designed to delight the younger set. On the other hand, however, Halloween is also a time when not-so-innocent trickery abounds.
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Non-profit organizations are just as vulnerable to lawsuits as private companies-except they rarely have the financial resources to deal with costly claims that their for-profit counterparts do. Instead, a non-profit's directors and officers may have to dip into their personal pocketbooks to cover legal costs. This puts Minnesota non-profits, and those who work at them, in a particularly fragile position. Even if a claim against a non-profit turns out to be without merit, the expense of fighting it can be devastating.
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Even with Halloween looming on the horizon, the prospect of so many newly licensed Minnesota teen drivers getting behind steering wheels is undoubtedly the most frightening thing about fall. The new school year is in full swing, and with the abundance of social and extracurricular activities taking place all over town, not to mention the need to get to and from campus, inexperienced teen drivers have every excuse to get on the road.
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