COTO Insurance & Financial Services Blog

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Ways the Pandemic May Change the Future of Employment
May 25, 2020

About 8.5% of U.S. households are headed by a self-employed person. While self-employed households tend to earn higher income than salaried households, research shows they also tend to take the biggest hit during an economic downturn.1 The emergence of independent contractors and the gig economy helped make self-employment a more…

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How Businesses Can Stay Afloat
May 18, 2020

Pandemic or not, America’s businesses clearly need a plan to survive an economic downturn. If the owner of a small business has not delegated authority, a health issue affecting the owner could derail that business. The closing of a town’s major employer can drive customers of small businesses out of…

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Many Americans are underprepared for retirement — and that was before the coronavirus pandemic
May 9, 2020

Everyone needs a backup retirement plan, especially in the middle of a crisis. Here’s what Marketwatch had to say about it: Half of Americans said they retired before they were ready because of factors outside of their control — and that was before the coronavirus became a global pandemic. More…

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Insuring Income In Coronavirus Outbreak
May 4, 2020

As the COVID-19 strain of the coronavirus flows through our nation’s population, many Americans may find themselves working shorter shifts, working from home, on paid or unpaid medical leave, furloughed or even laid off. While additional remedies from federal, state and local governments may be forthcoming to help households sustain…

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