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The Truth About Technology and What They Aren’t Telling You

We live in a digital age—one where technology connects us to the world, makes life more efficient, and even provides entertainment on demand. But is all this convenience worth it? As we embrace the endless possibilities technology offers, we may be unknowingly sacrificing important parts of our well-being. Technology is a double-edged sword, enhancing our lives while also threatening our mental, physical, and social health.

In this blog, we’ll dive into how our relationship with technology might be diminishing our quality of life—and what actionable steps you can take to reclaim balance in a hyper-connected world.


The Mental Health Toll: Constant Connectivity Equals Constant Stress

Ever feel like your phone is glued to your hand? You’re not alone. Studies show that constant notifications, endless emails, and the pressure to stay “on” all the time are taking a serious toll on our mental health. While technology allows us to be more connected than ever, it also keeps us tethered to the world in ways that can feel overwhelming.

Social media, for example, encourages comparison, contributing to anxiety and depression. The truth is, when you scroll through feeds filled with curated highlights of everyone else’s life, it’s easy to feel inadequate. Technology also keeps us in a constant state of “information overload,” which can cause burnout and difficulty focusing on meaningful tasks.

What You Can Do:
Set boundaries with your technology. Try scheduling tech-free hours or even entire days to reconnect with yourself and your loved ones. This simple act of digital detox can significantly reduce stress and improve your overall mental well-being.


Tech Neck, Eye Strain, and Sedentary Lifestyles: Our Bodies Are Paying the Price

Technology isn’t just impacting our mindsets, it’s affecting our bodies, too. “Tech neck,” eye strain, and the toll of sedentary living are all consequences of our screen-heavy lifestyles. How many of us have spent hours hunched over our phones or computers, only to realize we’re in pain later?

Long-term screen use can cause chronic neck and back pain due to poor posture, not to mention the damage to our eyes from prolonged exposure to blue light. Add to that the growing issue of a sedentary lifestyle, where we spend more time sitting than moving, and it’s no surprise that we’re experiencing more physical ailments than ever before.

What You Can Do:
Take frequent breaks—every 30 minutes—by standing, stretching, or even taking a short walk. Invest in ergonomic furniture and use blue light filters to reduce eye strain. It’s time to give our bodies the care they deserve.


The Erosion of Real Connections: Are We Losing Our Social Skills?

In a world that’s more “connected” than ever, we’re becoming increasingly isolated. Technology has enabled us to talk to people across the globe, but it has also made us forget how to connect face-to-face. Sure, we may have hundreds of friends on social media, but how many are actual, in-person relationships?

Studies show that loneliness is a growing epidemic, with digital interactions often replacing meaningful real-world connections. Even when we are physically with others, the temptation to check our phones or scroll through social media can prevent us from fully engaging in conversations.

What You Can Do:
Make a conscious effort to nurture in-person relationships. Put the phone down during meals, and invest time in activities that involve direct interaction, like joining a group or attending events. Rebuilding face-to-face connections is essential for emotional well-being.


Attention Span: The Distraction Economy and What It’s Doing to Us

How many times have you checked your phone while reading this blog? It’s a habit we’re all guilty of. Technology is designed to keep us hooked—whether it’s through constant notifications, social media updates, or the next video that auto-plays. As a result, our attention spans are shorter than ever. We’re constantly switching from one task to another, leaving little room for deep focus or creativity.

This “distraction economy” has changed the way we work, too. Multitasking is often encouraged, but the truth is, it leads to more mistakes and less meaningful productivity.

What You Can Do:
To regain focus, try using time-blocking techniques or productivity tools that limit your distractions. Designate specific hours for deep work or activities where you disconnect entirely from technology. You’ll be amazed at how much more you can accomplish with undistracted focus.


The Hidden Risk of Over-Reliance on Technology: What Happens When It All Fails?

Technology is powerful, but it’s not infallible. What happens when our devices break down, our data is hacked, or a system crashes? These disruptions can be more than just an inconvenience; they can be catastrophic. For businesses, the cost of downtime can be devastating, and personal data breaches can ruin financial security. Technology might be the backbone of modern life, but we often overlook the potential risks it brings.

What You Can Do:
Backing up your important data, using strong cybersecurity measures, and ensuring your devices are protected is vital. On a larger scale, businesses need to secure their digital infrastructure and ensure they have the right insurance coverage in place—whether that’s cyber liability insurance or business interruption insurance.


How Insurance Can Protect You from Technology Risks

As our lives become more intertwined with technology, the risks associated with digital dependence grow. Whether it’s a cyberattack, data breach, or equipment failure, having the right insurance in place can protect you from these threats.

  • For Businesses: Cyber insurance and data breach coverage are becoming essential in today’s world. They provide protection if your business suffers from a security breach, helping cover the costs of lost data and legal fees.
  • For Individuals: Personal insurance, such as identity theft protection, can guard against the financial consequences of having your personal information stolen or compromised.

By understanding the risks technology presents, we can take the necessary steps to protect ourselves and our businesses, ensuring that we don’t sacrifice our quality of life in the digital age.


Finding Balance in a Tech-Driven World

While technology undoubtedly enhances our lives, it’s crucial to remain aware of how it impacts our health, relationships, and productivity. The key to a fulfilling life in the digital age is balance—learning how to use technology to our advantage without letting it take over. With mindfulness, proper management, and the right protective measures (including insurance), we can continue to enjoy the benefits of technology while safeguarding our well-being.

LEGAL DISCLAIMER: This communication is for general informational purposes only and does not constitute legal advice. Consult a qualified attorney for guidance on any legal matters.

Decisions should not be made solely based on this content without professional legal counsel. Individual circumstances vary, and only a personal attorney can determine applicability.

The views expressed are those of the individual creators and do not represent ASZ International, Inc. (dba ASZ Associates). Actions taken based on this content are at your own risk, and all liability is disclaimed.

This content is provided “as is” with no guarantees of accuracy, completeness, or reliability. Always verify information and seek legal advice as needed.

Thriving in the Digital Age: Balancing Technology, Health, and Connections

The digital age has brought immense convenience and connectivity, but it also poses challenges to our health, relationships, and ability to focus. Prolonged device use can lead to physical issues like eye strain and back pain, while our social skills and face-to-face interactions are often neglected as digital relationships take priority. This shift has contributed to a growing epidemic of loneliness, even among those surrounded by online connections. Additionally, the constant pull of technology reduces our attention spans and hampers productivity, as we juggle tasks amidst endless distractions without achieving meaningful focus.

Over-reliance on technology also introduces significant risks, including cyberattacks, data breaches, and system failures that can have catastrophic financial and operational consequences. To navigate these challenges, it’s essential to prioritize health with ergonomic practices, nurture in-person relationships by setting aside devices, and embrace focused time management techniques to regain deep productivity. Equally important is safeguarding against digital vulnerabilities with cybersecurity measures and insurance, such as cyber liability and identity theft protection. By finding balance and taking proactive steps, we can reap the benefits of technology while preserving our well-being and connections.

LEGAL DISCLAIMER: This communication is for general informational purposes only and does not constitute legal advice. Consult a qualified attorney for guidance on any legal matters.

Decisions should not be made solely based on this content without professional legal counsel. Individual circumstances vary, and only a personal attorney can determine applicability.

The views expressed are those of the individual creators and do not represent ASZ International, Inc. (dba ASZ Associates). Actions taken based on this content are at your own risk, and all liability is disclaimed.

This content is provided “as is” with no guarantees of accuracy, completeness, or reliability. Always verify information and seek legal advice as needed.

Beyond the Game: Life After Sports & Hidden Risks

The Reality of Retirement

When we think of professional athletes, we often picture the glory: championships, multimillion-dollar contracts, and roaring crowds. But what happens when the stadium lights go out? When injuries catch up? When the money runs out faster than expected?

This blog dives into a topic that doesn’t get nearly enough attention—what happens to athletes after the game ends.

Imagine dedicating your entire life to a sport, and then… it’s over. If you’re lucky, you leave on your own terms. If not, you’re forced out due to age, performance, or most often—injury.

The Toll on the Body

Let’s talk about injuries. Most of us think of the dramatic ones—ACL tears, concussions, broken bones. But the real danger lies in the cumulative damage.

Take someone like Rob Gronkowski—Super Bowl champ and larger-than-life personality. He retired at 29 after nine surgeries. His body was wrecked. And he’s one of the lucky ones who made a comeback.

Now consider the athletes who don’t have massive contracts or endorsement deals. What happens to them? Chronic pain, mobility issues, even cognitive decline from head trauma. And the worst part? Many of them can’t afford the medical care they need.

The Money Problem

You might be thinking, “But these guys make millions! How could they be struggling financially?”

Here’s a stat that might surprise you: 78% of former NFL players go broke or are under financial stress within two years of retirement. For NBA players, that number is 60% within five years.

It’s a mix of factors:

  • Bad investments (hello, failed restaurants and shady business deals).
  • Lavish spending.
  • Supporting large entourages.
  • And, of course, huge medical bills from injuries that never truly heal.

Famous Athletes Who Went Broke

Several high-profile athletes have faced financial ruin due to injuries, early retirement, or poor financial decisions:

  • Vince Young: Former star quarterback for the Tennessee Titans, Vince Young filed for Chapter 11 bankruptcy just seven years after signing a $26 million contract. His reckless spending included high-ticket items like a $176,000 Ferrari.
  • Mike Tyson: The legendary boxer faced financial ruin despite earning millions. Tyson’s battles with drugs, alcohol, and frivolous spending led him to announce bankruptcy in 2003.
  • Grant Hill: Promising NBA career faced relentless challenges due to injuries.
  • Penny Hardaway: Another NBA player whose career was cut short by injuries.

The Hidden Factor No One Talks About

So, what’s the missing piece? What could have helped so many of these athletes avoid financial ruin Insurance.

Yes, it might not be flashy, but think about it:

  • What if they had better disability insurance to cover them when injuries ended their careers early?
  • What if they had long-term health coverage to help with surgeries and rehab, instead of paying out of pocket?
  • What if they had financial planning built into their contracts, ensuring they were set up for life after sports?

The truth is, the sports industry is reactive, not proactive. Athletes aren’t thinking about long-term coverage when they’re 22 and signing a contract. But they should be. And leagues, teams, and advisors need to do better in setting them up for life beyond the game.

Final Thoughts: The Takeaway for All of Us

This isn’t just about pro athletes. It’s about all of us.

You don’t have to be in the NFL to face an unexpected injury. You don’t have to be a multimillionaire to experience financial struggles when life throws a curveball. The lesson here?

Protect yourself before you need it.

Whether it’s disability insurance, health insurance, or even life insurance, having the right coverage isn’t about fear—it’s about peace of mind. It’s about making sure that when the unexpected happens, you’re not left scrambling.

LEGAL DISCLAIMER: This communication is for general informational purposes only and does not constitute legal advice. Consult a qualified attorney for guidance on any legal matters.

Decisions should not be made solely based on this content without professional legal counsel. Individual circumstances vary, and only a personal attorney can determine applicability. The views expressed are those of the individual creators and do not represent ASZ International, Inc. (dba ASZ Associates). Actions taken based on this content are at your own risk, and all liability is disclaimed. This content is provided “as is” with no guarantees of accuracy, completeness, or reliability. Always verify information and seek legal advice as needed.

What is umbrella insurance and why you should have it?

At ASZ International Inc. in Westchester, NY, our experienced independent insurance agents can answer any questions you have about umbrella insurance and suggest the appropriate amount.

What is Umbrella Insurance?

Umbrella insurance is one of the least understood types of insurance. There is no insurance to cover your umbrella. It is not something that only benefits the wealthy. It is not a stand-alone type of insurance. It is an addition to a policy you already have. It is a specific type of liability coverage that extends the liability coverage you already have on one or more insurance policies.

What Does Umbrella Insurance Cover?

Many of the insurance policies that you have provide liability coverage. They have a specific limit that is detailed on the declaration page. This is the amount of protection you have if you or a family member get sued. Defending yourself from legal action will cost you a lot in legal fees. Those alone could eat up a good chunk of your coverage.

Judgments continue to rise, and how would you deal with the excess of a judgment above your liability coverage? If you don’t have much money in the bank, you might have to sell the assets you have worked so hard to acquire. You don’t have to have a huge amount of assets, but if you have equity in your home or other material assets, they could be in danger if you don’t have an umbrella policy. These are incredibly affordable and provide a lot of peace of mind. Umbrella policies begin at about a million dollars and go up from there according to your needs.

Contact ASZ International Inc. in Westchester, NY for all your insurance needs. Let us give you a quote for umbrella insurance and explain how it can benefit you.

The Impact of Tariffs on the Commercial Insurance Market


Tariffs are taxes on imported goods, collected to control trade, achieve policy goals, boost local economies, or retaliate against foreign actions. While they aim to protect U.S. industries, tariffs can raise raw material costs, escalating expenses across supply chains and affecting businesses and consumers.
Tariffs significantly influence the commercial insurance market. Higher raw material costs drive up building and vehicle repair expenses, which can lead to increased premiums for commercial property, auto, and business interruption insurance. Additionally, rising material and labor costs inflate claims expenses, exacerbating underinsurance issues for policyholders. Market volatility caused by shifting trade dynamics also forces insurers to reassess risks, which can impact coverage availability, policy costs, and underwriting standards.


To mitigate tariff-related risks, businesses should diversify their supply chains. This could involve sourcing from alternative suppliers, nearshoring production to regions closer to headquarters, or reshoring operations back to their home country. Operational improvements, such as investing in technology for better supply chain visibility and creating contingency plans, can also strengthen resilience. Modifying contracts with cost-sharing clauses for tariff expenses and utilizing mitigation measures—like foreign-trade zones or adjusting production processes—can further reduce exposure.


Finally, businesses should regularly review their insurance policies. Documenting risk management strategies can help secure better coverage options. Companies may also need to explore specialized policies, such as trade credit or supply chain insurance, to address specific risks effectively. By proactively identifying exposures and implementing these strategies, businesses can navigate the evolving challenges posed by tariffs in the commercial insurance landscape.

LEGAL DISCLAIMER: This communication is for general informational purposes only and does not constitute legal advice. Consult a qualified attorney for guidance on any legal matters.

Decisions should not be made solely based on this content without professional legal counsel. Individual circumstances vary, and only a personal attorney can determine applicability.

The views expressed are those of the individual creators and do not represent ASZ International, Inc. (dba ASZ Associates). Actions taken based on this content are at your own risk, and all liability is disclaimed.

This content is provided “as is” with no guarantees of accuracy, completeness, or reliability. Always verify information and seek legal advice as needed.

Recent Airplane Accidents: Key Incidents and Insights

Air travel remains one of the safest modes of transportation, yet recent accidents highlight areas for improvement. Tragic incidents such as a midair collision near Washington, D.C., and a commuter plane crash in Alaska claimed numerous lives this year. Meanwhile, non-fatal events like a Delta jet flipping during landing in Toronto underscore the ongoing importance of safety protocols.


These incidents, though rare, remind us of the necessity for innovation and adherence to rigorous standards. Each event presents an opportunity for the aviation industry to enhance safety measures, ensuring the skies stay secure for travelers worldwide.

LEGAL DISCLAIMER: This communication is for general informational purposes only and does not constitute legal advice. Consult a qualified attorney for guidance on any legal matters. Decisions should not be made solely based on this content without professional legal counsel. Individual circumstances vary, and only a personal attorney can determine applicability. The views expressed are those of the individual creators and do not represent ASZ International, Inc. (dba ASZ Associates). Actions taken based on this content are at your own risk, and all liability is disclaimed. This content is provided “as is” with no guarantees of accuracy, completeness, or reliability. Always verify information and seek legal advice as needed.

The Hidden Dangers of Owning an Electric Vehicle and Its Impact on Insurance

Electric vehicles (EVs) are becoming increasingly popular for their environmental benefits, but they come with unique risks. The lithium-ion batteries in EVs can overheat, are flammable, and can cause severe fires in accidents. Extreme weather and poor manufacturing can also lead to battery combustion.

These risks have a direct impact on insurance costs. Insuring an EV can be more expensive due to the higher cost of the vehicle and the complexity of repairs. However, rebates, tax credits, and eco-friendly discounts can help offset these costs.

Understanding these factors can help you make an informed decision about owning an EV. While they offer numerous benefits, it’s crucial to be aware of the potential dangers and how they can affect your insurance premiums.

LEGAL DISCLAIMER: This communication is for general informational purposes only and does not constitute legal advice. Consult a qualified attorney for guidance on any legal matters.

Decisions should not be made solely based on this content without professional legal counsel. Individual circumstances vary, and only a personal attorney can determine applicability. The views expressed are those of the individual creators and do not represent ASZ International, Inc. (dba ASZ Associates). Actions taken based on this content are at your own risk, and all liability is disclaimed. This content is provided “as is” with no guarantees of accuracy, completeness, or reliability. Always verify information and seek legal advice as needed.

The Growing Concern of Steroid Use Among Youth and Its Implications for Insurance

In recent years, the use of anabolic steroids among young people has become a growing concern. The pressure to excel in sports, achieve a certain body image, and the influence of high-profile cases of steroid use in professional sports have all contributed to this troubling trend. Teenagers, particularly boys, are increasingly turning to anabolic steroids to enhance their physical appearance and athletic performance. This trend is alarming because the misuse of steroids can lead to serious physical and mental health issues, including aggression, mood swings, and severe acne.

From an insurance perspective, the misuse of steroids can have significant implications. Health insurance policies typically cover treatments for conditions that are medically necessary, such as cortisone shots. However, anabolic steroids used for muscle growth and performance enhancement are not covered by insurance as they are not prescribed for legitimate medical conditions. The misuse of steroids can lead to long-term health issues, resulting in higher medical costs and potentially higher insurance premiums or denial of coverage for related health issues. It is crucial for young people and their parents to understand the risks associated with steroid use and the potential impact on their health and insurance coverage.

LEGAL DISCLAIMER: This communication is for general informational purposes only and does not constitute legal advice. Consult a qualified attorney for guidance on any legal matters.

Decisions should not be made solely based on this content without professional legal counsel. Individual circumstances vary, and only a personal attorney can determine applicability.

The views expressed are those of the individual creators and do not represent ASZ International, Inc. (dba ASZ Associates). Actions taken based on this content are at your own risk, and all liability is disclaimed.

This content is provided “as is” with no guarantees of accuracy, completeness, or reliability. Always verify information and seek legal advice as needed.

When Should You Buy Flood Insurance?

When residents of Westchester, New York, consider insuring their homes or businesses, they should consider the risk of flooding. Hurricanes, severe thunderstorms, and other weather events have the potential to trigger significant floods in this region. Long before a storm appears in the weather forecast, it’s important to start thinking about whether and when you need flood insurance.

Do You Need It?

Standard homes, renters, or commercial policies usually do not cover flooding. You’ll need to buy separate flood coverage if you want to protect your property from this natural disaster. Be aware that a landlord or mortgage lender may require this insurance if you live in a high-risk area.

When deciding whether to purchase coverage, consider your location and any local history of flooding. Consider your elevation and proximity to nearby bodies of water. Can water easily drain from the surrounding area, or are you surrounded by asphalt and concrete? Resources like First Street and FEMA flood maps may help you evaluate the risk level in your neighborhood.

When to Sign Up

If you decide that you need flood insurance, don’t put off the process of requesting quotes and setting up a policy. Most insurers have waiting periods of around 30 days. However, there are some exceptions. You can usually get immediate coverage when taking out a mortgage. Likewise, the waiting period is only one day if the federal government has recently determined that you’re in a high-risk zone.

Westchester, NY residents who need flood coverage can benefit from contacting ASZ International Inc. Our independent local agency gives home and business owners access to various trusted flood insurance providers. To request a quote or get detailed answers to your questions, please call 800-694-0279 to reach the friendly staff at ASZ International Inc.

Protecting Your Insurance Policy from Cyber Scams

In the digital era, cybercrime poses a significant threat to the insurance industry. Cybercriminals often use identity theft to file false claims, leading to financial losses and compromised personal data. Imagine receiving a bill for medical procedures you never underwent or discovering an insurance claim on a policy you never signed up for. These are clear indicators that your identity may have been stolen and used for fraudulent activities.

Phishing scams are also common, where scammers pose as legitimate insurance companies to steal sensitive information. They send emails prompting you to click on a link to make a payment or log in due to suspicious activity on your account. These emails usually contain generic greetings, vague phrases, and poor grammar. If you fall for these scams, you risk providing sensitive information that can be used to steal your payments or personal data.

To protect yourself, always verify the legitimacy of any communication from your insurance provider and report suspicious activity immediately. Regularly check your credit report for unusual activity and use resources like IdentityTheft.gov if your identity is stolen. Staying informed and cautious is key to safeguarding your insurance policies from cyber scams.

By taking these precautions, you can shield yourself from the financial and personal repercussions of cybercrime.

LEGAL DISCLAIMER: This communication is for general informational purposes only and does not constitute legal advice. Consult a qualified attorney for guidance on any legal matters.

Decisions should not be made solely based on this content without professional legal counsel. Individual circumstances vary, and only a personal attorney can determine applicability.

The views expressed are those of the individual creators and do not represent ASZ International, Inc. (dba ASZ Associates). Actions taken based on this content are at your own risk, and all liability is disclaimed.

This content is provided “as is” with no guarantees of accuracy, completeness, or reliability. Always verify information and seek legal advice as needed.


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