The holidays have officially arrived! And for many of us that means shopping, gifting, decorating, partying, and traveling. And a whole lot of it!
Insurance agents are always on the look out for things that might put our clients at risk. That’s why I wanted to share a few quick reminders this month to make sure you avoid any potential claim situations.
And most important? Have a safe and joy-filled holiday!
Merry Christmas from all of us!
It’s the time of year for icy winter weather. And as your insurance agent, I have to share a few things to get you prepared before the winter storms hit!
First things first, you want to have the right supplies on hand. Create a basic emergency kit that includes a battery powered radio and at least one week’s worth of food and safety supplies. Also include:
Non-Electric Can Opener
Prescription Medicine As Needed
First Aid Kit
Bag of Cat Litter or Sand to add traction on walkways
Battery Powered Lamps
Carbon Monoxide and Smoke Alarm in working order
And what about when bad weather hits? Here are a few things to put on your winter storm checklist:
The most important thing you can do? Be prepared! A benefit to winter storms is that you generally have plenty of warning that one is on the way. Don’t wait until the roads are icy and dangerous. Get your supplies packed, your pipes protected, and a backup plan in case of a power outage. And make sure that you have great Homeowners Insurance! We can help with that. Call us for a free quote today.
Every month, we share easy tasks you can do to keep you home in tip-top shape all year long. So as we wind down 2014, here are a few simple tasks you can take on in December!
To make sure you have the very best coverage (and the most affordable rate), call us today for a free, no obligation quote.
With the New Year just around the corner, a lot of people are busy making those annual goals and resolutions. And for many improving their finances is at the top of the list.
Getting out of debt can be a big and almost overwhelming goal. It’s not a fast process and it takes a lot of dedication, but it is worth it in the end!
So where do you begin?
First start by getting an accurate picture of where you stand. Gather up all of your recent debt statements. This includes credit cards, car loans, student loans, any personal loans or other big ticket items, and your mortgage.
Run your credit report. You can request a free copy ever year at www.annualcreditreport.com from all three credit bureaus. This is a great time to check for any mistakes and make sure that every debt on your credit report is included in your list.
Make a debt payoff plan. Create a spreadsheet with all of your debt information. Include the name of the debt, total balance, interest rate, and minimum payment.
Now figure out what order you want to attack your debt. Some organize them from lowest to highest balance, while others prefer to pay off the debt with the highest interest rate first.
Whatever you decide here’s the trick. Once you payoff your first debt, combine that payment with the second debt. Now you’re paying a lot more then the minimum and it just keeps growing as you go!
Look for ways to keep throwing money at your payoff. Sell unused items around the house, have a yard sale, clip coupons, or get a part-time job. Just do whatever it takes to keep your momentum up!
Get the whole family involved. Make getting out of debt a family goal! Put your payoff on the fridge and count down. Let the kids help with the family budget. When everyone understands what you’re working toward, they’ll be more likely to cooperate when the budget is tight.
And how can you find a few extra dollars toward your debt payoff? Save on your monthly insurance costs! We can help. Call us for a quote on your auto, home, business, and life insurance today.