Mother Nature can throw one heck of a punch. And as residents on the East coast learned yet again with the winter storm Jonas, you don’t want to be on the receiving end of her wrath. Unfortunately, she seems to be striking out more often than ever, drenching parts of the U.S. in a series of extreme precipitation events that lead to flooding—the most common, and most costly, form of natural disaster according to FEMA. In fact, over the past several years, about 60 percent of all declared disasters involved flooding.

A successful business and a competitive employee benefits package go hand in hand; you’ll rarely find one without the other. Not only do generous perks attract more job candidates to your company, they also help you minimize employee turnover, improve morale and increase productivity. But don’t stop at paid time off and a 401(k) plan. Consider these voluntary employee benefits you should add today.

As numerous greeting cards have proclaimed, for many Americans life really begins at retirement. Without a boss expecting you to punch a time clock five days a week, you’ll suddenly discover hours that you didn’t know you had. You’ll find time to travel, relax, enjoy your favorite activity (yes, napping counts) and spend more time with the people you love. At least that’s the way it’s supposed to work—if you avoid these financial missteps when preparing for your golden years.

Despite the rise of social media, email is still the marketing mainstay of many businesses—and the numbers show us why. According to the Radicati Group, a technology market research firm, worldwide email accounts will increase 27 percent between 2014 and 2018, from 4.1 billion to more than 5.2 billion.

If you believe you’ll never experience a home fire, the odds are against you. The NFPA Fire Analysis and Research Division states Americans can expect to average a home fire every 15 years or five fires in their lifetime. While most of these fires will be small, cause little to no damage, and go unreported, you have a one in four chance of experiencing a home fire that requires fire department assistance.