Sensors and microchips could be applied to your bag or jacket pocket and remind you to take your umbrella with you if the forecast is for rain or not to forget your house keys if you are leaving the house.

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Try to get a business "endorsement" for your homeowner's and umbrella policies.

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Plus, a margin umbrella now exists for competition that chooses to undercut your margin model with a more efficient customer acquisition strategy (such as giving the customer the money).

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Google Now reminds you that you have dinner reservations, lets you know ahead of time that you might need an umbrella today, and proactively sends you traffic info for your trip to the airport for your upcoming flight.

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Review your insurance coverage--life, health, disability, auto, homeowners and umbrella liability.

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The umbrella charity--the community foundation or the Fidelity or Vanguard affiliate-- invests and administers your fund for an annual fee and sends the checks to the charities you chose.

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