Category Archives: Science: Biology

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Science: Biology

A Guide to Home Selection With Insurance Risk in Mind for Bay Area Home Buyers

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In this article, we will delve into the critical considerations for Bay Area home buyers, covering aspects such as the impact of property systems, location, surroundings on insurance costs, and how our team at Atlasa can be a useful resource for you. We aim to equip you with the knowledge needed to navigate the complex insurance terrain effectively. By strategically purchasing the right house and crafting a well-rounded insurance plan, you can protect your investment against unexpected eventualities while avoiding excessively pricey premiums.

What to Know About Policies for Homeowners Insurance Coverage in the State of California

The California insurance landscape is evolving rapidly, driven by the increased frequency and severity of climate-related disasters. Governor Gavin Newsom and California’s Insurance Commissioner, Ricardo Lora, have acknowledged the need for significant changes to regulate the state’s home insurance market. These changes are aimed at making insurance more available to California residents in both high and low risk areas, although it will likely come at a higher cost.

One of the key developments is that insurance companies will be required to insure residents even in very high-risk areas, but in exchange, the Insurance Commissioner will allow companies to use catastrophe modeling to factor in current or future risks when setting policy prices, which was not previously allowed in the state of California. While this provides more flexibility, it also means that homeowners in high-risk areas may face significantly higher premiums. The government’s goal is to prevent insurance companies from leaving California, ensuring homeowners have more options for coverage, even if fair rates are not guaranteed.

A new study shows that over 39 million Americans could soon face skyrocketing insurance premiums, with some interviewed homeowners in the Bay Area claiming that their premiums have already doubled since last year.

Consumer Advocate Harvey Rosenfeld believes that insurance companies are using climate change as a reason to alter policy rules that have historically saved Californians hundreds of billions of dollars over the past 35 years. This change in the insurance landscape is not unique to California, as some insurers have already exited hurricane and flood-prone states like Florida and Louisiana.

Napa State Senator Bill Dodd on the other hand, thinks the insurance market is not healthy or balanced. He represents wildfire prone wine country, and is glad the new rules will require insurers to get back into high wildfire zones. Dodd cites the increased insurance rates he has seen for nowhere near wildfire areas, who are unable to get renewed. He hopes these upcoming policy changes could solve for that.

Impact on Bay Area Home Buyers

For Bay Area home buyers, these changes in the insurance industry have significant implications. Jeff Kwan, an insurance agent representing companies like Allstate, Farmers, and State Farm, has noted that rate increases of 20-30% on average are likely, with some homes facing a staggering 200% increase. This could render many homes uninsurable and unsaleable, which makes selecting the right real estate asset to invest in even more crucial now than ever.

The prospect of paying hundreds, if not thousands, of dollars more every year for home insurance is a daunting one for prospective buyers. Additionally, the hopes of establishing a public insurance company may alleviate some of these concerns, but it remains a complex process.

While these changes are expected to go into effect by December 2024, they underscore the need for Bay Area home buyers to be proactive in securing their homes against future insurance uncertainties.

Choosing Your Sanctuary Wisely

So, what can Bay Area home buyers do to secure their sanctuary in the face of these insurance challenges?

We spoke with Neda Gilani-Byrd, a thorough, reputed and licensed insurance agent at Alive Insurance in the Bay Area, to provide you with specific recommendations on how you can secure the best policy for your home. We’ve consolidated those recommendations below.

  • Consult a Real Estate Expert and Do Your Research: At Atlasa, we aim to serve as a consultative resource to help you determine next steps and make key decisions about your home purchase. We’ll begin by providing data-driven insights about the specific location you are looking to purchase in. Are there historical records of wildfires or other natural disasters? What is the proximity to fire or flood prone areas? What are the hidden costs associated with this location? This information will help you better assess the insurance risk.
  • Ensure Your Home is Updated: Make sure the roof, electrical, heat and plumbing are updated. These are key components to ensuring that your insurance policy will be affordable, roof being most important. Insurance companies usually want a roof that is ideally 20 years old or less, otherwise it’s unlikely that the home will qualify for insurance coverage. Some insurance companies will prevent renewals due to the condition of the roof.
  • Engage with Insurance Experts While Shopping for a Home: Reach out to 2-3 different insurance agents who specialize in the Bay Area market. They can provide insights into the specific risks associated with your desired location and recommend appropriate insurance coverage.
  • Check for Exclusions: Many insurance agents will exclude parts of coverage that lenders won’t approve of. Make sure there are no exclusions when you’re getting a quote from an agent to ensure the plan will cover you appropriately and be acceptable for a lender.
  • Get Insurance Quotes Before You Write Offers: Make sure to get multiple insurance quotes before putting an offer on the home you are interested in, to avoid surprise costs or uninsurability during escrow.
  • Package Home and Auto Insurance: Some companies won’t write standalone home insurance policies, so it can be a good idea to package home and auto together. This is also a great way to save money.
  • Make Sure Your Insurance Agent is Knowledgeable: Before purchasing a policy, work with an agent who is reputable, knowledgeable, asks questions and takes the time to provide you with a solid plan and coverage. Using an educated insurance agent is important, and prevents you from buying a policy that won’t cover your home’s specific needs.
  • Contingencies: With the changing policies and increasing costs around home insurance, consider putting in insurance contingencies in on your offer to purchase a home to make sure valid home insurance can be acquired.
  • Stay Informed: Keep an eye on regulatory changes and updates from the California Insurance Commissioner’s office. Being informed about evolving policies and their impact on insurance rates is crucial.

In conclusion, the Bay Area’s charm and appeal remain undeniable, but the changing climate and insurance landscape necessitate a more cautious approach to home buying. By conducting thorough research, seeking expert advice, and preparing for the evolving insurance market, you can secure your sanctuary in this breathtaking region while safeguarding your investment property against the unexpected. In a landscape of uncertainty, knowledge is your greatest asset.

Reach out to the Atlasa team today, and let’s talk!

Media Contact
Deniz Kahramaner, Atlasa Real Estate, 1 650-770-3100, [email protected], https://www.atlasa.com/
Neda Gilani-Byrd, Alive Insurance, 1 650-997-2973, [email protected], 

SOURCE Atlasa Real Estate

Science: Biology

Closed Escrow Appoints Marcine Kline as Vice President and Senior Escrow Officer

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“I am honored to officially join the incredible team at Closed Escrow,” said Marcine Kline. “Along with my fellow team members, Patsy Addy and Michelle Sorice, we are here to serve as a neutral third party throughout the entire transaction process, keeping a client’s best interest in mind. I am excited to be a part of this next chapter as we aim to serve as a leader and innovator in our industry and ultimately ensure a seamless transition and peace of mind during one of the most important decisions of a client’s life.”

Marcine got her start with independent escrow companies at the onset of her career, and in 1986—the age of Reaganomics and new tax codes—opened her own firm. Setting her drive and strong work ethic in place, she quickly rose to success. Outside of the office, Marcine is an avid traveler, voracious reader and social butterfly. She enjoys spending time with her husband and entertaining friends, many of whom started out as her clients.

Closed Escrow is committed to guiding clients through all aspects of the sale/purchase transaction process while serving their best interests from start to finish. Holding the highest standards, the group holds a neutral third party throughout the transaction process. Known for their white-glove service approach, the team at Closed Escrow remains in constant communication with all parties, provide key updates on the status of documents, keep a realistic and simplified timeline, and maintain the highest level of professionalism at all times. Closed Escrow’s impeccable reputation as leaders in our industry comes from their expertise, thoroughness, long lasting relationships and dedication to all parties involved.

“As one of the most successful and respected professionals in our industry, Marcine has served as a leader and trusted advisor for agents and clients across Southern California,” said Brandon Braga, Officer at Closed Escrow. “Closed Escrow has just recruited one of the best in the business and we look forward to working with Marcine in her new role.”

Closed Escrow’s office is located at 12711 Ventura Blvd Suite 280, Studio City, CA 91604. To learn more about Closed Escrow, please visit https://closedescrowinc.com/.

Closed Escrow

Founded in 2015, Closed Escrow is a Southern California based company that facilitates a variety of real estate transactions for a diverse range of clientele. The in-house team delivers the highest level of professional service to bring peace of mind to clients while guiding them through every aspect of the sales process. Closed Escrow specializes in pre-sale services, including preparing back-end documents ahead of time to make the escrow process as smooth as possible, ordering city reports, national hazard disclosures and working with the title team to clear title exceptions, residential purchases, including luxury sales, resales, new construction, vacant land, “For Sale By Owner” and multi-unit properties, probate, including court confirmed sales, IAEA sales, donation escrows, beneficiary or heir buyouts, trust sales, commercial property sales and purchase, residential income sales and refinances.

Media Contact

Andrea Delgado, Closed Escrow, 1 (424) 230-3700, andrea.[email protected]

SOURCE Closed Escrow

Science: Biology

Announcing the Home Staging Certification and Interior Design Immersion Courses for Fall

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Engage in a hands-on approach to learning.
Learn by doing with a comprehensive curriculum that covers a wide range of topics in Home Staging and Interior Design.

“Prepare to embark on a transformative journey filled with immersive learning experiences.” – Unleash creativity under the guidance of the industry’s top instructors.

Gain insights from instructors with diverse backgrounds in the Home Staging and Design industry.
Receive personalized mentoring and support right from the initial contact, as there are no call centers.
Launch Your Business with Confidence:

Benefit from specialized coaching sessions on business startup and marketing within the first month.
Learn from guest instructors who are experts in Home Staging, Design, and Marketing.
Dive into a comprehensive Home Staging Curriculum, covering color theory, vacant and lived-in stagings, furniture rental, consultations, and best business practices.
Embrace an extensive Interior Design Curriculum, which includes space planning, client consultations, design boards, portfolio building, color theory, and much more.
Interact and Excel:

Enjoy small class sizes that foster an interactive learning experience.
Receive a 30-Day startup guide to streamline the business registration process.
Access reproducible business contracts and essential documents to kickstart the journey.

Don’t miss this opportunity to acquire the skills, knowledge, and support needed to excel in the Home Staging and Interior Design industries. Join in New York or Los Angeles from October 16 to 21, 2023, for an unforgettable learning experience.

For more information and to reserve a spot, visit the website or call 1.800.574.5576 to register or for more information

Media Contact
Tammy Vanderwielen, The Academy of Home Staging & Design, 18005745576, [email protected], theacademyofhomestaging.com

SOURCE The Academy of Home Staging & Design

Science: Biology

Finally a Clear Choice for Financial Planning: The Advice-Only Network

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The Advice-Only Network brings together an exponentially growing number of Advice-Only advisors who provide comprehensive financial planning in a true fiduciary capacity by reducing conflicts of interest. Advisors concentrate their advice on financial matters that are truly important to clients, such as budgeting, retirement planning, tax strategies and planning for future goals.

For Advice-Only Network advisors, becoming a Premium Member of the Advice-Only Network offers numerous benefits. These include support for new advisor registration, compliance assistance, enhanced brand exposure, continued education opportunities, and partnerships with leading software and service companies in the industry. By joining the Advice-Only Network, advisors gain the tools and support they need to truly flourish in their businesses.

Media Contact

Eric Simonson, Advice-Only Network, 1 612-502-5806, [email protected], www.adviceonlynetwork.com

SOURCE Advice-Only Network

Science: Biology

Specright and Trustwell Announce Joint Partnership Enabling End-to-End Digitization for Food Nutritional Labeling

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The need for a single source of truth is more critical today than ever, as companies struggle to manage higher SKU counts, product and regulatory complexity, and changing consumer demands.

Specright and Trustwell Genesis Foods integration highlights:

  • Key specification data points in Specright are automatically sent to Trustwell’s Genesis Foods product to perform nutritional calculations and create Nutrition Fact Panels
  • Eliminates duplicate data entry of ingredient and formula details between systems – reducing risk of human error when data is manually entered across systems
  • Seamlessly enables a comprehensive view of all key ingredient, formula, and product information with specification details, nutrition analysis data, and other critical documents in one location
  • In a few clicks, generate a Nutrition Facts Panel, ingredient statements, and allergen declarations, and pull that into a Product Data Sheet together with product specifications and artwork already stored in Specright
  • Managing packaging artwork, structures, and labels in a single source of truth significantly decreases the risk of mislabeling by ensuring packaging, product development, and compliance teams are accessing the most up-to-date information

“At Trustwell, we’re on a mission to change the food industry, and partnering with like-minded companies like Specright enables us to expand upon our leading digital solutions for our customers,” said Stephen Bruce, Trustwell CEO. “This will empower food companies to confidently build new products and improve speed to market using tech-based, seamless solutions that enable collaborative formulation and workflow processes across packaging and supplier data while ensuring regulatory compliance, transparency, and food safety.”

About Trustwell
Trustwell is on a mission to change the food industry. Combining FoodLogiQ’s supply chain management software with Genesis’ nutritional analysis and label development solution, the Trustwell Connect platform creates the food industry’s only software platform connecting product development and regulatory-compliant labeling into supplier compliance, enhanced traceability, and automated recall management. From food and supplement manufacturers to retail grocers and restaurant chains, food companies around the world use Trustwell software as their trusted source for compliance and quality solutions in the food industry. For more information, visit http://www.trustwell.com.

About Specright
Specright is the first purpose-built, patented platform for Specification Management. Whether it’s packaging, raw materials, formulas, products, or machines, Specright helps companies digitize, map, and take action across their supply chain to reduce costs, increase profitability, and drive sustainability. Specright serves customers across industries, including packaging, food and beverage, consumer packaged goods, pharmaceutical, retail, industrials, and more. Recognized as a leader in Specification Management, Specright was named one of Fast Company’s Most Innovative Companies for 2023, had three executives honored as Supply & Demand Chain Executive Pros to Know in 2023 and won Food Logistics’ 2022 Top Software & Technology Provider award. For more information, visit: http://www.specright.com.

Media Contact

Lydia Adams, Trustwell, 503-585-6242, [email protected], https://www.trustwell.com/

LinkedIn

SOURCE Trustwell

Science: Biology

Traliant Adds New Intellectual Property Course to Cybersecurity & Data Privacy Suite

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“Intellectual property losses or violations are extremely detrimental in the business world, so it’s important organizations prioritize training and empower employees to understand intellectual property laws better,” said John Arendes, CEO of Traliant. “Training employees on how to protect intellectual property not only helps nurture a culture of innovation and responsibility, but also helps ensure that unique ideas and valuable assets remain secure and with the right owner.”

In the Preventing Intellectual Property course, Traliant equips employees with the skills needed to proactively identify and protect proprietary assets so organizations can adhere to legal requirements and prevent any unintentional infringement penalties or property losses.

Michael Johnson, Chief Strategy Officer at Traliant, added, “Intellectual property training helps promote a culture of compliance, while protecting organizations against potential legal action. With customized training, employees can better understand how to secure their contributions, as well as those of any partners – enhancing an organization’s reputation as an employer and credibility in the industry.”

The new 20-minute course is part of Traliant’s Safeguarding Cybersecurity & Data Privacy Suite that is designed to educate employees on best practices for protecting an organization’s data, assets and business. This new course covers the following topics:

  • What is Intellectual Property (IP)
  • Patents, trademarks, copyrights, and trade secrets
  • Intellectual property violations
  • Respecting intellectual property rights in the workplace
  • Best practices for protecting your organization’s IP

All of Traliant’s training courses can be translated into 100+ languages and are tailored to reflect an organization’s unique workforce through a variety of interactive modules, video scenarios, challenges and knowledge checks. Employees can access Traliant’s training on any device, at any time and from anywhere, ensuring that learning is easy and flexible.

To learn more, visit Traliant’s Cybersecurity and Data Privacy Training.

About Traliant 
Traliant’s mission is to transform online compliance training from boring to brilliant with 100+ courses covering critical ethics, compliance‥and safety topics, including code of conduct training, sexual harassment training and diversity training. Traliant helps thousands of organizations foster safe, ethical cultures of respect and inclusion with behavior-based solutions that can be easily customized to their industry, culture, and branding. Backed by PSG, a leading growth equity firm, Traliant is ranked on Inc.’s 2021 and 2022 list of the 5000 fastest-growing private companies in America and named to Inc.’s 2023 list of Best Workplaces. For more information, visit http://www.traliant.com and follow us on LinkedIn.

Media Contact

Mark Hudson, Traliant, 405-255-1010, [email protected], www.traliant.com

SOURCE Traliant

Science: Biology

Pacific Mobile Structures Launches an Online Customer Portal

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Pacific Mobile Structures’ customers will now be able to enjoy convenience at their fingertips with the ability to make payments with just a few clicks anytime, anywhere. It also provides customers with a more secure way to pay with multiple payment options, rather than over the phone, through email, or traditional mail. The development of this online customer portal is backed by Pacific Mobile Structures’ robust IT and Software Development Team and spearheaded by the company’s President and CEO to create a simple and streamlined payment process that centers around user experience.

“I am excited to announce the launch of our new customer payment portal. This new platform not only provides a secure and user-friendly gateway for our valued customers to access their statements, invoices, and conveniently make online payments, but it also represents a significant stride in our ongoing digital transformation journey aimed at enhancing the speed and ease of engaging with Pacific Mobile Structures,” said Kevin Aleshire, Director of Information Technology at Pacific Mobile Structures.

“I am very proud of our internal IT staff and their dedication to support our operations which allows us to provide our customers with first-class service,” said Garth Haakenson, President and CEO of Pacific Mobile Structures.

Pacific Mobile Structures is excited to provide customers with this service. Customers can set up their account access at pay.pacificmobile.com using the enrollment code on their invoices and statements.

Head here for more information.

ABOUT‥PACIFIC MOBILE STRUCTURES
Since 1983,‥Pacific Mobile Structures‥has‥provided‥superior mobile office space to‥thousands‥of‥jobsites. Family-owned for two generations and with multiple locations throughout Washington, Oregon, Idaho, California,‥and Texas, Pacific Mobile Structures is known for delivering the highest-quality mobile offices, permanent modular construction, educational facilities,‥and‥government services,‥with a commitment to customer service excellence built on the cornerstones of experience, quality, flexibility,‥and dedication.‥‥

Media Contact

Meg Dowaliby, Pacific Mobile Structures, 360.726.2506, [email protected], https://pacificmobile.com

SOURCE Pacific Mobile Structures

Science: Biology

401GO Welcomes Ted Haase Serving as Chief Revenue Officer

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401GO, a leading fintech company, is pleased to announce the hiring of Ted Haase as the Chief Revenue Officer.

SALT LAKE CITY, Oct. 3, 2023 /PRNewswire-PRWeb/ — 401GO, a leading fintech company, is pleased to announce the hiring of Ted Haase as the Chief Revenue Officer. Ted brings a wealth of experience and expertise to the executive team and will play a crucial role in developing and growing the sales, marketing and partnership team.

Ted has over 26 years of experience in the retirement, human capital management, and investing space. His most recent positions were Senior Director of Business Development at Human Interest and Senior Director of Retirement Plan Sales at Paychex Retirement Services.

“We are thrilled to welcome Ted to our executive team,” said Dan Beck,CEO of 401GO. “His extensive experience in growing sales organizations, business development and partnership teams in the financial advisor and human capital management space is exactly what we need at this stage of growth.”

Ted expressed his enthusiasm about joining 401GO. “401GO is the best kept secret in the industry. After evaluating the entire fintech retirement industry over the past several months, I was blown away that 401GO placed at the top of the list for SMB-focused 401(k) recordkeepers in 22 of 26 categories in the 2023 NAPA Advisors’ Choice Awards. 401GO has the most easy to use, integrated platform in the industry. Our financial advisor-centered model and ability to work with any payroll company or benefit broker will add a ton of value to the SMB marketplace.”

About 401GO:

401GO provides a comprehensive retirement solution for small businesses and financial advisors with automation technology and industry-leading support.

Media Contact

Ryan Avila, 401GO, 1 8012142125, [email protected], 401GO

SOURCE 401GO

Science: Biology

World’s First MRI-Safe iPhone Belt Clip by Mobile Outfitters

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The new belt clip ensures iPhone safety in MRI environments and seamlessly aligns with the hospital’s brand. Crafted in the institution’s distinctive brand color, this stylish yet functional accessory promises to become a staple for over 1,000 healthcare professionals in Philadelphia.

In addition to the innovation behind the MRI-safe belt clip, Mobile Outfitters is deeply committed to its local community. “As a Philadelphia-based company, supporting our local institutions is more than just a business endeavor—it’s a matter of community pride and responsibility,” said Eric Griffin, Co-Founder of Mobile Outfitters. “By partnering with an esteemed local healthcare establishment, we’re advancing medical technology and strengthening our community ties, ensuring our healthcare professionals have the best tools available to them.”

The MRI-safe iPhone belt clip represents a noteworthy advancement in medical tech-accessory solutions, potentially paving the way for broader industry interest.

Mobile Outfitters

Mobile Outfitters is a U.S. manufacturer and consumer brand of innovative mobile accessories with design, manufacturing, and operations in Philadelphia, PA. Their award-winning products can be found through a network of 1,000+ locations, distributors, and resellers spanning over 60 countries. Every seven seconds, a Mobile Outfitters product is installed worldwide, making them one of the world’s most loved mobile accessory brands. As one of America’s fastest-growing, privately held companies, Mobile Outfitters has been recognized by Inc. 5000 for six years. For more information, visit moutfitters.com.

Media Contact

Laura Lane, Mobile Outfitters, 1 215-383-1659, [email protected], https://www.moutfitters.com/

Twitter, LinkedIn

SOURCE Mobile Outfitters



Science: Biology

Cyversity Announces Annual Power Up Conference Agenda and Keynote Lineup

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“At Cyversity, our mission is to bridge the ‘great cyber divide’ by creating pathways for minority cybersecurity professionals, veterans and students and our annual Power Up conference is a testament to our commitment to fostering diversity, innovation, and collaboration in the cybersecurity industry,” said MK Palmore, Vice President of Cyversity. “We are excited about our return this year, reuniting with familiar and new faces and empowering them to drive diversity and excellence in cybersecurity, especially in the face of ongoing challenges.”

Keynote sessions throughout the day include:

  • Fostering Innovation through Collaboration to Empower Underserved Communities in Cyber
  • Diverse Representation in Cybersecurity for Underserved Populations
  • Stepping Into My Strength
  • Equity Comes Before Diversity and Inclusion

The full agenda can be found here.

Cyversity will host two pre-conference training workshops led by acclaimed industry leaders, SANS and ISC2. These workshops are open to all registrants and present an exceptional chance to expand knowledge and skills in the cybersecurity field. More information on the topics covered during the workshops can be found here.

In addition, Cyversity will be presenting its Awards Gala, open to all registrants recognizing the accomplishments of the brightest minds in the cybersecurity industry. The gala includes fine dining, dancing, and the presentation of awards such as the Founders Award, Partner of the Year Award, Sponsor of the Year Award, Rising Star Leadership Award, Ally of the Year Award, and Mentor of the Year Award. Confirmation of attendance will be asked during registration and there will be no extra costs associated with the event.

About Cyversity

Cyversity was created as a 501(c)3 non-profit association dedicated to the academic and professional success of minority cybersecurity students, veterans and professionals. Cyversity tackles the ‘great cyber divide’ with scholarship opportunities, diverse workforce development, innovative outreach, and mentoring programs. Visit Cyversity at https://www.cyversity.org/.

Contact
Leslie Kesselring
Kesselring Communications for Cyversity
[email protected]

SOURCE Cyversity