---
title: EM Ford RiskGuide Blog (2)
description: Check in with the team at EM Ford for updates on all of your insurance and financial planning needs. (2)
---

- [** ](https://twitter.com/EMFord1925)
- [** ](https://www.linkedin.com/company/em-ford-%26-company-llc/)

- [Contact](https://emford.com/contact/)
  
  
  
    - [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/)
    - [Henderson, KY Insurance](https://emford.com/contact/henderson-ky-insurance/)
    - [Louisville, KY Insurance](https://emford.com/contact/louisville-ky-insurance/)
- [Client Center](https://emford.com/client-center/)
- [Our RiskGuide Blog](https://emford.com/riskguide/)
- [info@emford.com](mailto:info@emford.com)
- [Call 270-926-2806](tel:270-926-2806)

[![E M Ford](https://blog.emford.com/hs-fs/hubfs/raw_assets/public/EMFord_May2020/images/Logo-EM-Ford.png?width=200&height=445&name=Logo-EM-Ford.png "E M Ford")](https://emford.com/)

* ** *

- [About](https://emford.com/about-our-agency/)
  
  
  
    - [Meet Our Team](https://emford.com/about-our-agency/meet-our-team/)
    - [Amazing Feedback](https://emford.com/about-our-agency/amazing-feedback/)
    - [We Are Independent](https://emford.com/about-our-agency/we-are-independent/)
    - [Our BIGN Partnership](https://emford.com/about-our-agency/our-bign-partnership/)
- [Personal Insurance](https://emford.com/personal-insurance/)
  
  
  
    - [Home Insurance](https://emford.com/personal-insurance/home-insurance/)
    - [Auto Insurance](https://emford.com/personal-insurance/auto-insurance/)
    - [Individual Life Insurance](https://emford.com/personal-insurance/individual-life-insurance/)
    - [Motorcycle Insurance](https://emford.com/personal-insurance/motorcycle-insurance/)
    - [Condo Insurance](https://emford.com/personal-insurance/condo-insurance/)
    - [More Personal Insurance](https://emford.com/personal-insurance/)
- [Business Insurance](https://emford.com/business-insurance/)
  
  
  
    - [Business Owners Insurance](https://emford.com/business-insurance/business-owners-insurance/)
    - [eCommerce Insurance](https://emford.com/business-insurance/ecommerce-insurance/)
    - [School Insurance](https://emford.com/business-insurance/specialized-business-insurance/school-insurance/)
    - [Trucking Insurance](https://emford.com/business-insurance/specialized-business-insurance/trucking-insurance/)
    - [Manufacturer Insurance](https://emford.com/business-insurance/specialized-business-insurance/manufacturer-insurance/)
    - [More Business Insurance](https://emford.com/business-insurance/)
- [Employee Benefits](https://emford.com/employee-benefits/)
  
  
  
    - [Group Health Insurance](https://emford.com/employee-benefits/group-health-insurance/)
    - [Group Dental Insurance](https://emford.com/employee-benefits/group-dental-insurance/)
    - [Group Vision Insurance](https://emford.com/employee-benefits/group-vision-insurance/)
    - [Group Voluntary Benefits](https://emford.com/employee-benefits/group-voluntary-benefits/)
    - [Disability Insurance](https://emford.com/employee-benefits/disability-insurance/)
    - [More Employee Benefits](https://emford.com/employee-benefits/)
- [Financial Planning](https://emford.com/financial-planning/)
- [Request A Quote](https://emford.com/insurance-quote/)

<https://blog.emford.com/page/2#>

- [About](https://emford.com/about-our-agency/)
  
  
  
    - [Meet Our Team](https://emford.com/about-our-agency/meet-our-team/)
    - [Amazing Feedback](https://emford.com/about-our-agency/amazing-feedback/)
    - [We Are Independent](https://emford.com/about-our-agency/we-are-independent/)
    - [Our BIGN Partnership](https://emford.com/about-our-agency/our-bign-partnership/)
- [Personal Insurance](https://emford.com/personal-insurance/)
  
  
  
    - [Home Insurance](https://emford.com/personal-insurance/home-insurance/)
    - [Auto Insurance](https://emford.com/personal-insurance/auto-insurance/)
    - [Individual Life Insurance](https://emford.com/personal-insurance/individual-life-insurance/)
    - [Motorcycle Insurance](https://emford.com/personal-insurance/motorcycle-insurance/)
    - [Condo Insurance](https://emford.com/personal-insurance/condo-insurance/)
    - [More Personal Insurance](https://emford.com/personal-insurance/)
- [Business Insurance](https://emford.com/business-insurance/)
  
  
  
    - [Business Owners Insurance](https://emford.com/business-insurance/business-owners-insurance/)
    - [eCommerce Insurance](https://emford.com/business-insurance/ecommerce-insurance/)
    - [School Insurance](https://emford.com/business-insurance/specialized-business-insurance/school-insurance/)
    - [Trucking Insurance](https://emford.com/business-insurance/specialized-business-insurance/trucking-insurance/)
    - [Manufacturer Insurance](https://emford.com/business-insurance/specialized-business-insurance/manufacturer-insurance/)
    - [More Business Insurance](https://emford.com/business-insurance/)
- [Employee Benefits](https://emford.com/employee-benefits/)
  
  
  
    - [Group Health Insurance](https://emford.com/employee-benefits/group-health-insurance/)
    - [Group Dental Insurance](https://emford.com/employee-benefits/group-dental-insurance/)
    - [Group Vision Insurance](https://emford.com/employee-benefits/group-vision-insurance/)
    - [Group Voluntary Benefits](https://emford.com/employee-benefits/group-voluntary-benefits/)
    - [Disability Insurance](https://emford.com/employee-benefits/disability-insurance/)
    - [More Employee Benefits](https://emford.com/employee-benefits/)
- [Financial Planning](https://emford.com/financial-planning/)
- [Request A Quote](https://emford.com/insurance-quote/)
- [Contact](https://emford.com/contact/)
  
  
  
    - [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/)
    - [Henderson, KY Insurance](https://emford.com/contact/henderson-ky-insurance/)
    - [Louisville, KY Insurance](https://emford.com/contact/louisville-ky-insurance/)
- [Client Center](https://emford.com/client-center/)
- [Our RiskGuide Blog](https://emford.com/riskguide/)
- [info@emford.com](mailto:info@emford.com)
- [Call 270-926-2806](tel:270-926-2806)

##### [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/)

600 Frederica Street  
 Owensboro, KY 42301

- [** ](https://twitter.com/EMFord1925)
- [** ](https://www.linkedin.com/company/em-ford-%26-company-llc/)

# EM Ford RiskGuide Blog

Check in with the team at EM Ford for updates on all of your insurance and financial planning needs.

- [Home](https://emford.com/) »
- EM Ford RiskGuide Blog

[![](https://blog.emford.com/hs-fs/hubfs/529.png?width=380&name=529.png) ](https://blog.emford.com/a-guide-to-529-college-savings-plans)

[Financial Planning](https://blog.emford.com/tag/financial-planning)

## [A Guide To 529 College Savings Plans](https://blog.emford.com/a-guide-to-529-college-savings-plans)

529 savings plans are tax-advantaged education savings vehicles and one of the most popular ways to...

[Ryan McDaniel](https://blog.emford.com/author/ryan-mcdaniel)

 May 28, 2021

[![](https://blog.emford.com/hs-fs/hubfs/MM%20social%20May%202021.png?width=380&name=MM%20social%20May%202021.png) ](https://blog.emford.com/money-matters-may-2021-issue)

[Insurance](https://blog.emford.com/tag/insurance) [Financial Planning](https://blog.emford.com/tag/financial-planning)

## [Money Matters - May 2021 Issue](https://blog.emford.com/money-matters-may-2021-issue)

We are back with our May edition of Money Matters! Ryan is breaking down common facts and myths...

[Ryan McDaniel](https://blog.emford.com/author/ryan-mcdaniel)

 May 11, 2021

[![](https://blog.emford.com/hs-fs/hubfs/MONEY%20MATTERS%20SOCIAL.png?width=380&name=MONEY%20MATTERS%20SOCIAL.png) ](https://blog.emford.com/march-2021-issue-of-money-matters)

[Personal Insurance](https://blog.emford.com/tag/personal-insurance) [Financial Planning](https://blog.emford.com/tag/financial-planning)

## [Money Matters-March 2021](https://blog.emford.com/march-2021-issue-of-money-matters)

Ryan is covering tax season due dates and the rise of interest rates in this month's issue of Money...

[Ryan McDaniel](https://blog.emford.com/author/ryan-mcdaniel)

 March 8, 2021

[![](https://blog.emford.com/hs-fs/hubfs/MONEY%20MATTERS%20FEB%20SOCIAL.png?width=380&name=MONEY%20MATTERS%20FEB%20SOCIAL.png) ](https://blog.emford.com/february-2021-issue-of-money-matters)

[Insurance](https://blog.emford.com/tag/insurance) [Personal Insurance](https://blog.emford.com/tag/personal-insurance) [Financial Planning](https://blog.emford.com/tag/financial-planning)

## [February 2021 Issue of Money Matters](https://blog.emford.com/february-2021-issue-of-money-matters)

In this month's issue of Money Matters, Ryan McDaniel is covering key tax numbers for 2021, the...

[Ryan McDaniel](https://blog.emford.com/author/ryan-mcdaniel)

 February 8, 2021

[![](https://blog.emford.com/hs-fs/hubfs/HOME%20INVENTORY%20BLOG.png?width=380&name=HOME%20INVENTORY%20BLOG.png) ](https://blog.emford.com/a-guide-to-home-inventory)

[Personal Insurance](https://blog.emford.com/tag/personal-insurance)

## [A Guide To Home Inventory](https://blog.emford.com/a-guide-to-home-inventory)

Compiling a list or documenting all of your possessions may seem like an odd, unnecessary and...

[EM Ford](https://blog.emford.com/author/em-ford)

 January 21, 2021

[![](https://blog.emford.com/hs-fs/hubfs/FP%20Newsletter%20Anncment%20-%20Jan.png?width=380&name=FP%20Newsletter%20Anncment%20-%20Jan.png) ](https://blog.emford.com/introducing-our-new-financial-planning-newsletter)

[Financial Planning](https://blog.emford.com/tag/financial-planning)

## [Introducing Money Matters - Our New Financial Planning Newsletter](https://blog.emford.com/introducing-our-new-financial-planning-newsletter)

Want to stay up to date on all things financial planning? Introducing our new monthly financial...

[EM Ford](https://blog.emford.com/author/em-ford)

 January 7, 2021

[![](https://blog.emford.com/hs-fs/hubfs/WINTER%20DRIVING%20BLOG%20BUTTON.png?width=380&name=WINTER%20DRIVING%20BLOG%20BUTTON.png) ](https://blog.emford.com/on-the-road-winter-driving-safety-tips)

## [On The Road: Winter Driving Safety Tips](https://blog.emford.com/on-the-road-winter-driving-safety-tips)

Winter is upon us, and while we are busy preparing our homes for this frigid season, we can’t...

[EM Ford](https://blog.emford.com/author/em-ford)

 December 16, 2020

[![](https://blog.emford.com/hs-fs/hubfs/HFH%20SOCIAL%20.png?width=380&name=HFH%20SOCIAL%20.png) ](https://blog.emford.com/home-for-the-holidays-keeping-your-home-safe)

## [Home For The Holidays: Ways To Keep Your Home Safe](https://blog.emford.com/home-for-the-holidays-keeping-your-home-safe)

The Christmas Countdown is on, and we’re only 22 days away from the big day. Although the holiday...

[EM Ford](https://blog.emford.com/author/em-ford)

 December 3, 2020

[![](https://blog.emford.com/hs-fs/hubfs/THANK%20YOU%20FOR%2095%20YEARS.png?width=380&name=THANK%20YOU%20FOR%2095%20YEARS.png) ](https://blog.emford.com/thank-you-from-our-partners)

[Insurance](https://blog.emford.com/tag/insurance) [Personal Insurance](https://blog.emford.com/tag/personal-insurance) [Financial Planning](https://blog.emford.com/tag/financial-planning) [Business Insurance](https://blog.emford.com/tag/business-insurance) [Employee Benefits](https://blog.emford.com/tag/employee-benefits)

## [Thank You From Our Partners](https://blog.emford.com/thank-you-from-our-partners)

**We are approaching the holiday season with grateful hearts this Thanksgiving. 2020 has been a year...**

[Clay Ford](https://blog.emford.com/author/clay-ford)

 November 25, 2020

[![](https://blog.emford.com/hs-fs/hubfs/HACKERS%20SOCIAL%20FINAL.png?width=380&name=HACKERS%20SOCIAL%20FINAL.png) ](https://blog.emford.com/online-shoppers-hacks-to-avoid-hackers)

[Personal Insurance](https://blog.emford.com/tag/personal-insurance)

## [ONLINE SHOPPERS: HACKS TO AVOID HACKERS](https://blog.emford.com/online-shoppers-hacks-to-avoid-hackers)

The Black Friday and Cyber Monday sale notifications are bombarding our e-mail inboxes and phone...

[EM Ford](https://blog.emford.com/author/em-ford)

 November 24, 2020

<https://blog.emford.com/page/3>

#### About EM Ford

EM Ford is an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected.

[Privacy Policy](https://emford.com/privacy-policy/) | [Website Accessibility](https://emford.com/contact/)

#### Personal Insurance

- [Home Insurance](https://emford.com/personal-insurance/home-insurance/)
- [Auto Insurance](https://emford.com/personal-insurance/auto-insurance/)
- [Individual Life Insurance](https://emford.com/personal-insurance/individual-life-insurance/)
- [Motorcycle Insurance](https://emford.com/personal-insurance/motorcycle-insurance/)
- [Condo Insurance](https://emford.com/personal-insurance/condo-insurance/)
- [*See All*](https://emford.com/personal-insurance/)

#### Business Insurance

- [Business Owners Insurance](https://emford.com/business-insurance/business-owners-insurance/)
- [eCommerce Insurance](https://emford.com/business-insurance/ecommerce-insurance/)
- [School Insurance](https://emford.com/business-insurance/specialized-business-insurance/school-insurance/)
- [Trucking Insurance](https://emford.com/business-insurance/specialized-business-insurance/trucking-insurance/)
- [Manufacturer Insurance](https://emford.com/business-insurance/specialized-business-insurance/manufacturer-insurance/)
- [*See All*](https://emford.com/business-insurance/)

#### Employee Benefits

- [Group Health Insurance](https://emford.com/employee-benefits/group-health-insurance/)
- [Group Dental Insurance](https://emford.com/employee-benefits/group-dental-insurance/)
- [Group Vision Insurance](https://emford.com/employee-benefits/group-vision-insurance/)
- [Group Voluntary Benefits](https://emford.com/employee-benefits/group-voluntary-benefits/)
- [Disability Insurance](https://emford.com/employee-benefits/disability-insurance/)
- [*See All*](https://emford.com/employee-benefits/)

© 2026 EM Ford. All rights reserved.