The Lutgert Insurance Blog

To understand the best way to set up a computer workstation, it is helpful to understand the concept of neutral body positioning. This is a comfortable working posture in which your joints are naturally aligned. Working with the body in a neutral position reduces stress and strain on the muscles, tendons, and skeletal system and reduces your risk of developing a musculoskeletal disorder (MSD).

Proper Workstation Position

Managing Credit Card Debt

Your personal credit score is just as important as some of the other numbers in your life…your blood pressure, your body mass index and your waist measurement. This number is based on personal credit management such as collection, length of credit history, types of credit cards used and applications for new credit. Financial institutions calculate your credit score, which determines the type of interest rate you will receive on a mortgage or credit card.

inSIGHTS Newsletter


Auto insurance rates are as competitive as ever, but there are still ways you can reduce the amount you pay to insure your vehicle every year. Here are several ways to lower your premium:

  • Consider raising your deductible
  • Keep up your good driving record
  • Drive less to qualify for a low mileage discount
  • Drive a car with safey features such as anti-lock brakes, airbags, etc.



Consider using wasp spray rather than pepper spray for protection in the event of a robbery or attack. Wasp spray can shoot up to twenty feet away and is a lot more accurate. Pepper spray shoots from eight to twelve feet, so the attacker has to get closer to you and could overpower you. The wasp spray temporarily blinds an attacker until they get to the hospital for an antidote. In addition, a can of wasp spray doesn’t attract attention from people like a can of pepper spray would.



Employers are free to adopt a policy addressing tattoos, piercings and other personal appearance issues as long as it doesn’t unlawfully discriminate against one protected group (age, race, religion, sex, etc.) more than another. So it’s important to be consistent when applying such a rule. It is legal to impose greater restrictions on employees who have direct contact with customers. Also realize that while much body art is simply for decoration, it could have religious implications.