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101 Essential Summer Tips and Tricks

Just kidding, we’re not going to give you a canned message on things like “topping off your radiator fluid.” (But seriously…you should definitely top off your radiator fluid)  This weekend my 11 year old and 9 year old decided that it was the perfect day to bike a few miles down the road and back.  After the requisite “get ready, eat lunch while I’ll finish mowing the lawn”, we ventured out.  (Any guesses yet on what was forgotten before we headed out?)  As we turned the 3 mile corner back toward home, the thing that was missed became pretty clear to me as one of the kids became sick to her stomach and started getting dizzy.  The kids were in so much of a hurry to get their bikes out and have fun that they failed to eat lunch and drink water.  What was such an easy step
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5 Common Misconceptions about Home Insurance

With so much information about homeowners insurance floating around the internet, it's easy to jumble it all up. But it's important to know exactly what you're buying before signing on the dotted line. This article discusses five of the most common misconceptions about homeowners insurance that people frequently mix up.
  1. Filing a claim increases premium prices: While it's true that filing multiple claims is likely to increase your premium, filing a single claim may not cause a price hike. This is particularly true if you haven't filed a claim within the last few years. However, to protect your bank account, double check the repair estimate to ensure that the cost exceeds that of your deductible.
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What Coverage Does Auto Insurance Provide?

New drivers have more to think about than just keeping the gas tank full. While a new set of wheels is fun, it also comes with the responsibility of keeping the roads safe for all drivers. That's why, in every state, it's mandatory to purchase auto liability insurance, which covers the costs of third party injuries and property damage resulting from an accident caused by the policyholder. But there's a lot more to auto insurance than just liability coverage. Yes, you are street legal if all you own is liability coverage, but it doesn't cover your own expenses if you're injured or your car is damaged. For that, you'll need extra coverage. The most popular coverage option is collision, which covers damages to your vehicle. Additional options include:
  • Comprehensive: Read More

    5 Ways to Make Your Home Safer

    Home safety is important to many people, particularly families. But did you know that taking steps to make your home safer not only gives you peace of mind, but can also result in home insurance savings? A safer home minimizes the risk of a covered event and many insurers will reward your dedication to security. Get started with these five home safety tips:
    1. Lock up: Most intruders enter homes unannounced through open doors or windows. Lock up every time you leave home and go to sleep. For additional security, install dead bolts on exterior doors and place a thick wooden rod into the track of sliding glass doors.
    2. Set the alarm: Install a security alarm from a company
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    How to Maintain Your Business’ Cash Flow Year-Round

    Winter resort restaurants may boom during wintertime and retailers may rake in the dough during the holidays, but what about off-season cash flow? Many small businesses that can be classified as seasonal struggle to increase profits when they’re not at their peak. If you own a business in a similar situation, it’s important to plan for harder times when you plan the year’s finances. Review old records to determine when sales are at their highest and when they’re at their lowest. You must plan for fixed expenses, such as rent and utilities, along with variable expenses, such as inventory and salaries. The past several years of records should give you an idea of variable costs during different seasons. With this information in mind, you can develop a strategy for managing cash flo
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    When is it Time to Sell Your House?

    Many Americans buy houses to support current family needs. But in retirement, it may be time to consider selling in lieu of a more inexpensive and/or hands-free option. While some retirees prefer the sense of permanence and control that homeownership instills, others find it much simpler to move to a place where the hard work (maintenance, lawn care etc.) is taken care of. A rental property or retirement community may be the solution. If you’re thinking about putting your house up for sale, consider how much profit you’ll make and how much another living option will cost. An apartment may cost less while a retirement community may cost more, though the security of the environment may be well worth the higher price in your eyes. Remember to calculate in security deposits, real estate
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    5 Ways Your Driving Record Could Haunt Your Future

    You know that driving safely is important not only for your own benefit, but for the benefit of everyone else who shares the road. But people have been known to bend the rules when they’re in a hurry or in a bad mood. Tickets and traffic violations happen sometimes. If you do get a ticket, paying it right away will ensure that the DMV won’t come back to haunt your future for failing to pay before the due date. Not convinced? Neglecting to pay a ticket, or racking up numerous violations, can result in the following five hits to your driving record, which can affect many areas of your life.
    1. Suspension of driver’s license: Serious driving infractions and/or several minor violations can result in the suspension of your driver’s license. Once your license i
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