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Wednesday, September 30, 2015

Do I really need life insurance?

September is Life Insurance Awareness month, and I chose this day, the last day of September, to write this blog.  

You might be asking yourself if life insurance is really necessary for you.  No one really likes to think about life insurance.  And that's perfectly understandable.  But it is even less pleasant to think about what can happen to your loved ones if you don't have life insurance.  The truth of the matter is that life insurance offers a number of benefits that you may not have previously considered. 

Some of these benefits include:

Replacing the income (after the death of a wage earner) that a family will need to survive

Paying off loans (including mortgages, personal or business debts)

The creation of a fund for the education of children in the family

Coverage of final expenses, such as funeral costs/taxes


The creation of an emergency fund which can serve to support family members in times of crisis 

Life insurance can be just the thing you need to ensure security and comfort for your family.  As your agent, we don't intend to sell you something you can't afford or that won't be beneficial to you.  We just want to present you with your best options-the decision to buy is up to you!

I have made a few points to help guide you to answer the burning question "Do I really need life insurance."

Types of Life Insurance

Generally, there are 2 types of life insurance policies...Term Insurance and Whole Life (or Permanent) Insurance.  

Term insurance is similar to renting an apartment.  You pay into it, and when the contract time is expired, you can renew it at a different rate or rent/purchase a different one at that time.  

Whole Life (Permanent) Insurance is like owning a house.  You pay for it, and it is yours until you no longer make payments or sell (surrender) it.  In the meantime, over a period of time, you can accumulate an investment on it to use toward other life circumstances.

Pekin Insurance has a new product called Transitional Life Insurance.  This policy combines both, term and whole life together.  You choose the benefit amount and the Term of the policy that you make payments on (10, 20, 30 years or term to age 65).  Once the term is up, the policy benefit drops down to a specified amount, and you carry that benefit for life.  The policy continues to accumulate a cash value.  This policy is ideal for those who have purchased a house and want more coverage until they are debt free, but would still like final expenses for their loved ones.

Plan Ahead

I was fortunate enough to grow up with my father, Dale Fair...president of DF Insurance Agency, educating me on the importance of insurance.  So, I was able to place a whole life policy at a young age, that made it very affordable then and now.

One of the main purposes for life insurance is to have final expense costs and debt  covered in the instance that we leave this world before our loved ones.  We don't want them to carry the burden of debt/expenses we leave behind.  

By planning your financial goals, you are likely decide if a Term Policy, Permanent Policy or a Transitional policy would be a best fit for you!  

The younger you are the better the rates.  So, parents can start a life policy on their children as babies, and by the time they are off to college, they can be done paying for their life insurance, and their children will have that coverage for them for their lifetime.

In an ideal situation, you may just need life insurance for a certain amount of time...you know until your house is paid off, you become debt free, you have a savings, retirement and final expense costs in a savings.  Then, at that point, you may not need or want a life policy.  However, life happens, and plans that we strive for doesn't always fall in place the way we planned it.

The most popular response we get when asking about life insurance is, "I have great coverage through work."  That is great!  We are very happy to know that SOMETHING is in place.  However, for most of us, we may lose that job or are forced into an early retirement long before we are debt free with final expense costs are put back into savings.  Unfortunately, most life insurance policies you get through work will terminate when your job does.  At that point, trying to purchase a life policy may be more expensive in your 50s than it would have been in your 30s.

Read up on your employer's life insurance program to see if your life insurance would terminate if you no longer hold a position with the company, or if it is transferable to you.  You can always get an affordable small whole life policy to cover final expenses even if you do have a policy with your employer.

Choose a Policy That Fits Your Needs

It can be difficult deciding which policy may be right for you.  Talk with your insurance agent about your life insurance needs and financial goals.  We are happy to help anyone with any questions.  We will list out different quotes and scenarios to help guide you to the product to fit your needs.  Each person is in a different stage of life with different needs, and we do our best to accommodate to those needs.  Once again, we do not want to sell you something you can not afford or wouldn't need.  

You Already Have Final Expenses Saved?  Great!  How Much Do You Make On The Savings?

You did a great job saving up for your final expenses, and you have $15,000 sitting in savings.  Did you know that you can take that $15,000 and invest it in a life policy and accumulate cash value?  For example, if a 64 year old healthy female decides to get a whole life policy with the $15,000 that she has in savings.  That $15,000 would get her a whole life policy with a $29,849 death benefit...AND...by the end of the 7th year, her $15,000 would turn in to $16,158!  *this is a quote, and subject to change 

Life Insurance Is More Affordable Than You Think

I did a few different quotes to illustrate how affordable life insurance is!

AGE 64                     MALE                      FEMALE
$15k whole life                $51.12/mo                    $42.46/mo
$50k 15year Term           $78.43/mo                    $52.16/mo

AGE 20                     MALE                      FEMALE
$25k whole life                $15.44/mo                    $13.68/mo
$50k Term to 65              $12.75/mo                    $11.22/mo
Transitional Life               $17.70/mo                    $15.54/mo
to age 65 
$60k (age 20-65)
-$10k(age 65 on)
                                     

Life Insurance Is Not Just For You...

It is for the loved ones you leave behind.  It can give you a peace of mind knowing that you did all that you could do to lift the financial burden during a grieving time.

I hope that you were able to learn more about life insurance possibilities!  Please feel free to email us at:  customerservice@dfagency.com
call us at:  317-887-9886
for an insurance review, questions, quotes or advice...we would love to hear from you!

Friday, July 31, 2015

Protection During a Hailstorm

Staying Safe on the Road During Hail

Protection During a Hailstorm
It may sound surprising, but there are approximately 3,000 hailstorms in the United States each year. The size of hail can widely vary – from golf-ball size to softball size. And when it starts building up size, hail can cause not just severe property and vehicle damage, but also bodily harm and even death. On average, hailstorms annually cause over $1 billion in damage to property, approximately 1,500 injuries and 80 deaths annually.
One of the most frightening places to be during a hailstorm is on the road in your car. Obviously your vehicle is at great risk of damage, but even more importantly, you are in danger in the event you can’t see well enough to drive or your windows are broken in by the power of the storm.
Here are some pointers for navigating a hailstorm while on the roads:
  • Make sure you have a blanket in your car at all times. It can help protect you from glass injuries in the event the hail breaks your windows or windshield.
     
  • Turn on your low-beam headlights, and slow down.
     
  • Make sure you have more distance than usual in front of you so you have ample space to brake if necessary.
     
  • Turn on the local weather radio station to stay apprised of the status of storms.
     
  • If there is enough space on the shoulder of the road, pull over.
     
  • Turn on your hazard lights, regardless of whether you are pulled over or moving slowly; this will help other vehicles to see you and avoid accidents.
     
  • If there is a covered shelter to pull underneath, do so; this will reduce the damage sustained by your vehicle.

Wednesday, July 22, 2015

Hitting the Road on 2 Wheels? Plan Ahead for Maximum Fun

Prepare and Pack for a Motorcycle Trip

Pack light, research your route and rest when you’re tired to help ensure a safe ride.
Whether you’re headed to the nearest state park or traversing multiple state lines, a little planning will help you make the most of your summer motorcycle getaway.
Not sure where to start? Our tips will help you figure out where to go, what to pack (spoiler alert: not too much) and how to get there safely.
Where to Go
No, you don’t need an exact plan. But you do want to have a general idea of where you’re headed; you can always switch it up on the fly.
  • Trip-planning resources abound online. Try Harley-Davidson’s ride planner or locate great bike routes in all 50 states at motorcycleroads.us.
     
  • Book hotels online or by phone. Often you’ll get better rates than you would by just showing up at the front desk.
     
  • When you have a general plan, be sure to let friends or family know where you’re going and when you’ll be back.
What to Pack (and What Not to Pack)
Packing smart – not just light – is one of the best ways to prepare for an extended motorcycle ride. We’ve all been on a trip with someone who brought four bags for three days. Don’t be that person.
  • Make a list or you’ll forget something. Guaranteed.
     
  • Go light on the clothes. Plan to wear things multiple days and to do laundry during one of your stops.
     
  • Bring a spare key, along with emergency contacts (family members, insurance company, roadside assistance, etc.).
     
  • If you’re on the fence about bringing something, consider leaving it out — and then buying it on the road if you really need it. Odds are you won’t.
How to Get There Safely
Regular motorcycle maintenance is vital, but so is inspecting your bike prior to hitting the road.
  • Before each ride, follow the T-CLOCS inspection protocol: Check Tires and wheels, Controls, Lights and electrical, Oil and other fluids, Chassis and Stands.
     
  • Keep the right equipment on hand in case of trouble: A repair kit, your owner’s manual, your insurance identification card, a first-aid kit, a GPS device or map, emergency flares and a flashlight.
     
  • Distribute weight evenly when you pack the bike – a road trip means you’re carrying more stuff than you typically do for a shorter ride.
Finally, know your limits when it comes to how much ground you can cover in one day. The more well rested you are, the safer you’ll be — and the more fun you’ll have. See you on the road!

Monday, July 13, 2015

12 Ways to Stay Safe on your Personal Watercraft

Enjoy Your Recreational Watercraft With These Tips

Personal Watercraft Safety
There’s no more exhilarating way to enjoy a day on the water than atop a personal watercraft, a small vessel on which you sit or stand, rather than ride inside of like a boat. But, with the horsepower of a large outboard engine and the acceleration of a motorcycle, a personal watercraft is no toy.
It’s a Class A vessel, subject to all the same laws as boats under 16 feet. So, before you jump on and zip across the water, get up to speed on these regulations and safety tips.
Personal Watercraft Regulations
Per federal regulations, personal watercraft must be registered with a validation sticker and registration number displayed on the vessel. State regulations vary, but may require operators to be of a minimum age (usually 14 to 16), complete a safe boating course and/or obtain an operator’s certificate. State and local governments may also limit speed, hours and areas of operation.
Required equipment for personal watercraft includes:
  • A Coast Guard-approved life jacket for each person aboard and anyone being towed.
     
  • A Coast Guard-approved B-1 fire extinguisher.
     
  • A sound signaling device such as a whistle or a horn.
     
  • An emergency engine cutoff lanyard attached to the operator.
     
  • A functioning backfire flame arrestor and passive ventilation system.
Personal Watercraft Safety
Once you meet all of the above requirements, you also need to know a few rules of the waterway. Follow these 12 tips to inject some much-needed safety and sanity into your personal watercraft adventures.
  1. Keep away from shorelines, rocky areas and other vessels, especially ones towing wakeboarders or tubers. Also keep an eye out for people in the water.
     
  2. Learn the meaning of navigation marks and signs.
     
  3. Never ride after consuming drugs or alcohol.
     
  4. Carry no more passengers than the vessel’s rating allows.
     
  5. Check your craft for proper function before riding.
     
  6. Respect ecologically sensitive areas and wildlife.
     
  7. Always give priority to large vessels, sailboats under sail and paddle craft.
     
  8. When meeting another craft head-on, steer to the right and pass like cars.
     
  9. If overtaking another boat, pass on either side, but keep clear.
     
  10. Crossing paths with another vessel, let the craft on the right continue at the same speed and direction, while you alter speed and direction to pass safely behind.
     
  11. Always maintain a proper lookout to avoid collisions by scanning constantly.
     
  12. If unsure about the rules, reduce speed and take early defensive action.
Finally, be sure you have the insurance coverage you need for your personal watercraft. Think about agreed value coverage that will cover a total loss after the deductible without a complicated depreciation formula. And, look for ways to customize your coverage with options such as emergency assistance, as well as roadside assistance for your towing vehicle and trailer.
Remember, having fun and staying safe on your personal watercraft aren’t mutually exclusive. So, do both and enjoy the ride. And, don’t forget the sunscreen!

Wednesday, June 24, 2015

5 Things to Know About Fallen Trees and Insurance Coverage

5 Things to Know About Fallen Trees and Insurance Coverage

Posted by Safeco March 16, 2015

Insurance Claims for Fallen Trees

Know your insurance coverage for fallen trees.
It’s the time of year when the temperatures warm and the flowers bloom, putting us all in a chipper mood. But, it’s also time for thunderstorms, which most often occur in the spring and summer months, according to the National Severe Storms Laboratory.
With spring officially arriving this Friday, March 20, it’s the ideal time to review what your homeowners insurance, and even your car insurance, may or may not cover when it comes to damage from fallen trees.
Here are five important things to keep in mind:
1. Your homeowners insurance likely covers tree removal and damage repairs for your home and other insured structures, such as fences.
A tree falls on your property and damages one or more insured structures. What now? Your homeowners insurance will likely help with the cost of removing the tree and repairing the damage. That’s once you pay your deductible, of course. Examples of covered incidents can include strong winds knocking a tree over onto your roof or lightning striking a tree, causing it to fall on your fence.
However, if a tree falls due to neglect, you may not receive any coverage. So keep your trees in good shape, and ask your neighbors to do the same.
2. If there’s no damage, there’s likely no insurance coverage.
You may assume your homeowners insurance will cover the removal costs of any fallen tree, but that isn’t always the case. If a tree falls on your property without damaging any insured structures, you will likely need to cover the costs of tree removal yourself.
3. Your city or municipality may clean up trees that fall into the street, but you may still have reason to file an insurance claim.
Check with your city or municipality to determine who’s responsible for removing a tree that falls into the street. If your city takes responsibility, it may only be for the portion that’s in the street. Any of the felled tree that’s left on your property will be your responsibility. Your insurance may help if an insured structure was damaged in the incident.
4. You may have coverage even if a tree falls from your neighbor’s property.
When a fallen tree damages your property, your homeowners insurance may pitch in no matter who owned the tree. Depending on the circumstances, your insurance carrier may attempt to recoup some of the costs, including your deductible, from your neighbor’s insurance. This may occur, for example, if the neighbor was negligent in caring for the tree before it fell.
5. Your car insurance may cover damage to your vehicle from a fallen tree.
If a tree falls from your property onto your car, it’s your car insurance and not your homeowners insurance that will likely help cover the cost of repairs. But, the tree doesn’t have to be from your property. You likely have coverage if a tree falls on your car, no matter from where. What may not be covered? The cost to remove the tree from atop your car.
Of course, every insurance carrier handles fallen trees differently. It all depends on the specifics of your policy and your coverage limits, as well as the specifics of your situation. If you need to file an insurance claim for a fallen tree, use the tips below.

Tips for Filing an Insurance Claim for a Fallen Tree

  • Take photos: Photos taken from many angles and vantage points help to establish the extent and cause of the damage. Be careful not to go near fallen trees that are entangled in power lines, however. And don’t climb onto an unstable surface to get better photos.
     
  • Provide as many details as possible: If, for example, a neighbor’s tree was neglected and fell onto your property, causing damage, be sure to tell your carrier. If a storm caused the tree to fall, be sure to provide details about the severity of the weather.
     
  • Be prepared to pay your deductible: If you experience a covered loss due to a fallen tree, you will be responsible for paying the appropriate deductible.
Your homeowners insurance, or car insurance, covers damage from a fallen tree in many instances. But, it’s important to know when you’re covered and when you’re not. So review your policy with your local insurance agent and ask plenty of questions about when a fallen tree is covered by your insurance and when it isn’t.

Wednesday, June 10, 2015

What Are Annual Insurance Reviews, And Are They Important?

What are Annual Insurance Reviews?  Annual Insurance Reviews are simply that, reviewing your insurance policies each year.
Are AIRs important?  Absolutely!  There are different reasons why you should review your policies each year.  Here are just a few:

  • Did you get engaged/married in the past year?  The average amount of the engagement ring and wedding rings is around $5,000- $10,000.  Sure your homeowners policy probably has coverage for jewelry, but the amount is limited and is normally for theft only.  It does not cost very much to schedule your jewelry on your policy.  Also, with all the new wedding gifts, you want to make sure that your home/renter's insurance properly covers your personal contents.
  • Did you have a baby?  We understand that insurance is not the top items on your list, that is why we are here!  Do you have a life insurance policy?  If so, you may want to talk to your agent about adding on your baby as a child rider, or purchase their own policy.  If you don't have a life insurance policy, now is the time to consider it!  
  • Have you made any alterations to your home?  Believe it or not, when you enhance your home, the replacement cost may increase as well.  By reviewing your policy with your agent, you can have peace of mind that you are covered.
  • New driver in your household?  Whether your child just got their driver's license, or you have a new member in your household that drives, you want to make sure that they are listed and covered on your auto policy.  
  • Have you recently retired or work from home?  Your auto rates can decrease by updating your occupation and vehicle usage.  
  • Has your premium increased more and more each year?  This is when it is beneficial to do business with an Independent Insurance Agent.  We can shop several different companies for you, and let you know which ones have the best rates/coverage for you.
There are many changes that can happen in a year's time.  So, it is important to review your policies!  We do our best to keep in contact with our clients and stay up to date with their policies.  However, if you aren't sure, or have questions, please don't hesitate to contact us so we can make sure you are well protected!

Wednesday, June 3, 2015

4 Factors That Can Make Convertibles Expensive to Insure

Check Car Insurance Costs Before Purchasing a Drop Top

Insuring a Convertible Car
So your heart’s set on driving off the dealership lot with the top down and the sun on your face, the envy of each onlooker you pass. But, have you checked in with your local insurance agent about the cost of insuring a convertible?
You may think it’s only a myth that convertibles are expensive to insure, but, in many cases, there’s some truth to the notion.
It’s important to have realistic expectations about the cost of insuring a convertible. To help, here are four reasons why you may spend more insuring a convertible than you would a less envy-evoking ride (the best way to know what will or won’t impact your rates, of course, is checking insurance costs with your local agent):
  1. Convertibles Cost More to Purchase, More to Insure
    Car insurance rates can vary greatly from vehicle to vehicle. In general, the more your car is worth, the more it will cost to insure. Convertible cars cost more to purchase than a similar model with a fixed top and not just because they’re so fun drive. It’s because they have added safety features and additional moving parts that operate the top. Therefore, convertibles can also cost more to insure.
     
  2. Higher Horsepower, Higher Insurance Costs
    If your convertible just so happens to be a sports car with a V6 or V8 engine, too, you should expect to possibly pay more for car insurance. Cars with a higher top speed are at greater risk of a high-speed collision.
     
  3. Soft Top Convertibles Are Prone to Theft and Vandalism
    Slicing open your convertible top may be an act of vandalism, a way for thieves to steal items from inside your car or a way to make off with the car itself. Because of these soft-top risks, convertibles may cost more to insure.
     
  4. Hardtop Convertibles Have Added Weight
    The weight of your vehicle can factor into your car insurance premiums. A retractable hardtop adds considerable weight, and possibly insurance costs, to your vehicle.
Of course, many other factors influence how much you’ll pay to insure a convertible. These include your age, your driving history and the amount of driving you do. So, don’t skip the check-in with your local insurance agent on your way to purchase a convertible. Be certain you can afford both the monthly car payments and the monthly insurance costs.
It may sound like we’re trying to sway you from the car of your dreams, but we’re not. We just want you to be financially sound and protected when you’re rolling with the top down.

Monday, May 25, 2015

3 Ways a Pool May Affect Your Homeowners Insurance

Will a pool have you swimming in higher insurance premiums?
That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice.
With the summer heat ratcheting up, you may be coming down with a serious case of pool envy, obsessed with having a pool right outside your door for cooling off and entertaining friends. A swimming pool can even increase the value of your home. But, will it increase your homeowners insurance rates too?
Before you dive in and add a pool to your property or buy a home that already has one, here are three important things to keep in mind:
1. Anytime you have an increase in property value or risk, you may need to increase your insurance coverage too.
A pool increases your exposure to risk. You could be on the line for medical bills and other damages if people get hurt in or around your pool, even if they weren’t invited over for a swim. At the same time, a pool increases the value of your property. Your homeowners insurance needs to reflect both the increased value and risk of a pool, and you may want the added protection of an umbrella policy.
2. Safety measures aren’t just nice to have. They may be required.
Your town, municipality or insurance company may require a fence and locked gate for your pool and even have specific guidelines on the height of that fence. If your house opens directly into the pool area, you may also consider a door alarm and safety cover to keep pets, children and other non-swimmers safe.
3. Pool equipment, furniture and accessories increase the value of your personal belongings.
Be sure to include any pool- or patio-related items of value when you add up how much your personal belongings are worth, and ensure you have enough coverage on your homeowners insurance policy. Keep in mind that per-item limits may apply, meaning the maximum amount payable on a single item is capped. If, for example, you have an expensive outdoor sound system, you may want to check the per-item limit for electronics. Expanded coverage is often available for high-value items.
Above all, pose question after question to your independent insurance agent. Against which risks is damage to my pool covered? Is the pump covered too and under what circumstances?
Working closely with an insurance agent in your area who understands your property and the local zoning laws is one of the best ways to fully understand how a pool may affect your homeowners insurance rates. Your local agent can help you find the right balance of coverages for your specific situation and help ensure your relaxing oasis isn’t an unmanageable risk.

http://www.safeco.com/blog-detail/pool-homeowners-insurance-rates/1240025342197

Monday, April 27, 2015

Stay Safe: Avoid Distractions

Up to 80% of accidents involve a distraction.  Texting is not the only type of distraction, but it is a big one.  Do you know how far your car can travel in the time it takes to send a text?

Watch this clip and find out more

Friday, April 17, 2015

What "The Vow" can teach you about insurance

The Vow is one of my favorite movies.  However, the beginning of it is pretty devastating.
Paige and Leo were rear ended by a salt truck, Paige was thrown through the windshield and Leo was buckled in.  Leo sustained minor injuries while Paige suffered amnesia.  She is in the hospital for weeks and needs to see specialists, etc.

So, what can we learn from this?  The insurance company that insured the salt truck is responsible for paying for the vehicle repair/replacement, hospital stay and follow up appointments for Leo and Paige.  The insurance company will pay for these payments until the liability limits on the salt truck are reached.

Most people do not realize how all these expenses add up so quick.  It is important to talk to your insurance agent regarding your liability limits on your auto policy (whether it is a personal auto or commercial auto) to ensure you have the right amount of coverage.

Tuesday, March 31, 2015

Here is a harmless April Fool's prank!

Play a harmless April Fools joke with this basket of “onion” rings. Graham cracker crumbs coat Twizzlers to create the illusion of onion rings!
http://www.tasteofhome.com/recipes/candy--onion--rings

Monday, March 23, 2015

Spring Flood Prep!

When it rains, it can flood. Luckily there are several things you can do before a flood to help protect your home. http://j.mp/1lv8L1i

Friday, March 20, 2015

S.O.S. week is approaching. See how you can help!

S.O.S (Send One Suit) week is 1 month away, and we are hosting the clothing drive once again! Please contact Nikki at 317-887-9886 or nikkipelance@dfagency.com to make arrangements to pick up items or stop by our office to drop off any items. The last day is April 24th. Every little bit helps!

https://indianapolis.dressforsuccess.org/news/send-one-suit-week/

Wednesday, March 18, 2015

What can you do to help maintain your home during spring?

Spring ahead with these home maintenance tips.

Spring cleaning and spring maintenance tips go hand in hand. From cleaning out your gutters to inspecting your smoke detectors, explore our interactive house  below to get some home maintenance tips.
https://www.travelers.com/prepare-prevent/home/home-maintenance/spring-maintenance-tips.aspx

Friday, March 13, 2015

Don't Rely on Luck for your Safety on St. Patrick's Day

Don't rely on luck when it comes to safety this St. Patrick's Day! Remember these tips to ensure the day (and next day) is great: http://j.mp/1cLPpzS

Wednesday, March 11, 2015

Weather any storm by being prepared!

The elements of weather can be unpredictable during any season, bringing hail storms, blizzards, floods, and even tornadoes with alarming severity and frequency. Make sure you are prepared for unexpected storm conditions. Learn how to be ready before and stay safe during, and after, a variety of storms and other types of weather emergencies.
https://www.travelers.com/prepare-…/mother-nature/index.aspx

Friday, March 6, 2015

Disaster planning - it is never too early to start.

The best time to think about a natural disaster is when there is not one in sight and you can undertake effective planning without stress. Start by getting organized and doing simple tasks.  Click on the link below to get a disaster preparedness checklist and other things you need to do!
https://www.travelers.com/prepare-prevent/mother-nature/emergency-preparedness/disaster-planning.aspx

Wednesday, March 4, 2015

Monday, March 2, 2015

Check out A Noble Evening in the Garden

Looking for something to do in Indy on March 13th? Noble Women's Auxillary is hosting A Noble Evening in the Garden, a preview gala to the Indiana Flower and Patio Show. Noble of Indiana helps expand opportunities and quality of life for people with disabilities and their families. 

http://www.nobleofindiana.org/events-at-noble/2015/march/a-noble-evening-in-the-garden

Friday, February 27, 2015

Send One Suit Week is Approaching! Save the date to donate April 20-24

Ladies - start editing your closets now and SAVE THE DATE for our annual Send One Suit Week, April 20 through April 24,
benefiting Dress for Success Indianapolis & the women they serve.
Together, we're empowering women to succeed! .
Classic Cleaners is ponsoring the event!
We'll also provide free pick-up service to the first 20 Premier Drives that fully register!
Here's the info: http://bit.ly/1IayzvT

Monday, February 23, 2015

Three Seconds for Safety

Rear-end collisions are the most common accidents between vehicles.1 They occur when drivers do not have enough time to perceive and react safely to slowing or stopped traffic. Increasing your following distance can help give you time to react when someone brakes in front of you.

https://www.travelers.com/prepare-prevent/auto/car-travel/three-second-rule.aspx

Wednesday, February 18, 2015

Monday, February 16, 2015

President's Day- What Does It Mean?

To some, the observance of Presidents' Day in the United States goes very much unnoticed. Local newspapers splash ads of “President’s Day Sales!” and many get the day off from work. But have you ever stopped to think about this important day of recognition?

History

Presidents' Day is intended (for some) to honor all the American presidents, but most significantly George Washington and Abraham Lincoln. According to the Gregorian or "New Style" calendar that is most commonly used today, George Washington was born on February 22, 1732. But according to the Julian or "Old Style" calendar that was used in England until 1752, his birth date was February 11th. Back in the 1790s, Americans were split - some celebrated his birthday on February 11th and some on February 22nd.
When Abraham Lincoln became president and helped reshape our country, it was believed he, too, should have a special day of recognition. Tricky thing was that Lincoln’s birthday fell on February 12th. Prior to 1968, having two presidential birthdays so close together didn't seem to bother anyone. February 22nd was observed as a federal public holiday to honor the birthday of George Washington and February 12th was observed as a public holiday to honor Abraham Lincoln’s birthday.
In 1968, things changed when the 90th Congress was determined to create a uniform system of federal Monday holidays. They voted to shift three existing holidays (including Washington's Birthday) to Mondays. The law took effect in 1971, and as a result, Washington's Birthday holiday was changed to the third Monday in February. But not all Americans were happy with the new law. There was some concern that Washington's identity would be lost since the third Monday in February would never fall on his actual birthday. There was also an attempt to rename the public holiday "Presidents' Day", but the idea didn't go anywhere since some believed not all presidents deserved a special recognition.

Even though Congress had created a uniform federal holiday law, there was not a uniform holiday title agreement among the individual states. Some states, like California, Idaho, Tennessee and Texas chose not to retain the federal holiday title and renamed their state holiday "President's Day." From that point forward, the term “Presidents' Day” became a marketing phenomenon, as advertisers sought to capitalize on the opportunity for three-day or week-long sales.
In 1999, bills were introduced in both the U.S. House (HR-1363) and Senate (S-978) to specify that the legal public holiday once referred to as Washington's Birthday be "officially" called by that name once again. Both bills died in committees.
Today, President’s Day is well accepted and celebrated. Some communities still observe the original holidays of Washington and Lincoln, and many parks actually stage reenactments and pageants in their honor. The National Park Service also features a number of historic sites and memorials to honor the lives of these two presidents, as well as other important leaders.

http://usparks.about.com/od/historicalparks/a/Presidents-Day.htm

Friday, February 13, 2015

Happy Valentine's Day! Check out these Chocolate Desserts!

Nothing says Valentine's Day like chocolate. One up yourself and make one of these 25 “Death-by-Chocolate” desserts for someone special: http://www.food.com/slideshow/25-death-by-chocolate-recipes-171

Monday, February 9, 2015

Stay safe out there! Tips for winterizing your sidewalks and driveways

As a homeowner, there will always be tasks that need to be done at least once a year. When was the last time you really looked at your sidewalk and driveway? Are there any cracks? Are there any weeds growing through those cracks? Winter moisture in the form of snow and rain can worsen existing cracks in pavement. With some prevention now, you can save yourself major repairs in the spring.

Cracks in Sidewalks

The cracks are an easy fix. For concrete sidewalks some of the supplies you’ll need include a stiff brush, concrete crack filler and a putty knife. You can find these items at any home improvement store. The crack filler is usually in a caulk-like tube, so make sure you have a caulking gun.

Clean out the cracks with a stiff brush. Rinse with a high pressure water hose, or if you have a compressor blow the area clean. If you are using water pressure, make sure to let the area dry thoroughly before filling with the concrete filler. Squeeze the concrete repair material into the crack and smooth with a putty knife. Please be sure to read all the directions ion the concrete repair material before beginning your project.



Expansion Joints in Sidewalks

Cracks are not the only things you should maintain on the sidewalk. Expansion joints (the spaces between the sections of sidewalk) will also need maintenance. When sidewalks are first laid, there is a felt-like material that goes in between the joints. This material breaks down after a few years so something needs to fill this area to protect it from freezing and thawing. The items you need for maintaining this area include foam window insulation and liquid tar (in a squeeze bottle).

Prep work for expansion joints is the same as for cracks, but the finishing is very different. Do not use concrete repair filler in this area. Liquid tar is the item of choice here. If the groove is very large or deep it can get expensive to fill it entirely with tar. The alternative is to use window insulating rolled foam. This material can be used as a back filler in the joint. It comes in many different diameters, so measure the width and depth of the groove so you’ll know what size to get.

The joints are easier to do than cracks. All you have to do is push the foam into the cleaned space and then cover it with tar. The foam and tar are flexible enough to take all that winter has to throw at it.

Shifting or Leaning Slabs

If you notice any leaning, upheaval or shifting of your sidewalk, it is time to call a contractor. They may need to mudjack your sidewalk to make it level again.

Driveways-Blacktop/Concrete

If you have blacktop, sealing is suggested at least every 2 to 3 years. Temperatures should be above 50 degrees to do this. Get all the grass overgrowth off the edges of the driveway. Sweep with a stiff brush and hose off any leftover dust. Scrub any grease or oil spots with a strong detergent and rinse again. Let it dry thoroughly. Apply a thin coat of sealer with a squeegee. Follow the manufacturer’s directions. Do not walk or drive on the area for at least 24 hours. It may look and feel dry, but resist the urge and wait the full 24 hours.

If your driveway is concrete, follow the same procedure as for the cracks in sidewalks.

Gravel Driveways

What about gravel driveways? The biggest problem with gravel is that most of it ends up in the lawn by spring. A remedy for that is to leave the first snowfall on the driveway and use your car to pack down the snow. The packed down snow will hold all that gravel in place. Now you can take care of the next snow fall by either blowing or plowing without throwing all the gravel into the lawn.

Annual tasks aren’t all that difficult, and doing them maintains the value of your property. Simple maintenance of sidewalks and driveways could save you costly repairs down the road.


Friday, February 6, 2015

Wednesday, February 4, 2015

Super Bowl Party-No Double Dipping!

Throw a penalty flag if you see someone pulling a George Costanza and double-dipping at your Super Bowl party - share fun, not the flu or a cold! 
See the funny clip here.

Monday, February 2, 2015

Do you like Simple Recipes?

This new cookbook featuring just 12 recipes is creating quite a stir. Check out this review about "Twelve Recipes", and let us know what you think!

http://www.nytimes.com/2015/01/07/dining/review-twelve-recipes-by-cal-peternell.html?_r=1

Friday, January 30, 2015

Preventing and Thawing Frozen Pipes

Being prepared and informed may help you to avoid the messy and often expensive issue of frozen pipes. The American Red Cross provides information and suggestions around how to prevent water pipes in the home from freezing, and how to thaw them if they do freeze.



Why Pipe Freezing is a Problem


Water has a unique property in that it expands as it freezes. This expansion puts tremendous pressure on whatever is containing it, including metal or plastic pipes. No matter the "strength" of a container, expanding water can cause pipes to break. Pipes that freeze most frequently are those that are exposed to severe cold, like outdoor hose bibs, swimming pool supply lines, water sprinkler lines, and water supply pipes in unheated interior areas like basements and crawl spaces, attics, garages, or kitchen cabinets. Pipes that run against exterior walls that have little or no insulation are also subject to freezing.


Preventing Frozen Pipes


Before the onset of cold weather, prevent freezing of these water supply lines and pipes by following these recommendations:

  • Drain water from swimming pool and water sprinkler supply lines following manufacturer's or installer's directions. Do not put antifreeze in these lines unless directed. Antifreeze is environmentally harmful, and is dangerous to humans, pets, wildlife, and landscaping.
  • Remove, drain, and store hoses used outdoors. Close inside valves supplying outdoor hose bibs. Open the outside hose bibs to allow water to drain. Keep the outside valve open so that any water remaining in the pipe can expand without causing the pipe to break.
  • Check around the home for other areas where water supply lines are located in unheated areas. Look in the basement, crawl space, attic, garage, and under kitchen and bathroom cabinets. Both hot and cold water pipes in these areas should be insulated.
  • Consider installing specific products made to insulate water pipes like a "pipe sleeve" or installing UL-listed "heat tape," "heat cable," or similar materials on exposed water pipes. Newspaper can provide some degree of insulation and protection to exposed pipes – even ¼” of newspaper can provide significant protection in areas that usually do not have frequent or prolonged temperatures below freezing.

During Cold Weather, Take Preventative Action


  • Keep garage doors closed if there are water supply lines in the garage.
  • Open kitchen and bathroom cabinet doors to allow warmer air to circulate around the plumbing. Be sure to move any harmful cleaners and household chemicals up out of the reach of children.
  • When the weather is very cold outside, let the cold water drip from the faucet served by exposed pipes. Running water through the pipe - even at a trickle - helps prevent pipes from freezing.
  • Keep the thermostat set to the same temperature both during the day and at night. By temporarily suspending the use of lower nighttime temperatures, you may incur a higher heating bill, but you can prevent a much more costly repair job if pipes freeze and burst.
  • If you will be going away during cold weather, leave the heat on in your home, set to a temperature no lower than 55° F.

To Thaw Frozen Pipes


  • If you turn on a faucet and only a trickle comes out, suspect a frozen pipe. Likely places for frozen pipes include against exterior walls or where your water service enters your home through the foundation.
  • Keep the faucet open. As you treat the frozen pipe and the frozen area begins to melt, water will begin to flow through the frozen area. Running water through the pipe will help melt ice in the pipe.
  • Apply heat to the section of pipe using an electric heating pad wrapped around the pipe, an electric hair dryer, a portable space heater (kept away from flammable materials), or by wrapping pipes with towels soaked in hot water. Do not use a blowtorch, kerosene or propane heater, charcoal stove, or other open flame device.
  • Apply heat until full water pressure is restored. If you are unable to locate the frozen area, if the frozen area is not accessible, or if you can not thaw the pipe, call a licensed plumber.
  • Check all other faucets in your home to find out if you have additional frozen pipes. If one pipe freezes, others may freeze, too.

Future Protection


  • Consider relocating exposed pipes to provide increased protection from freezing.
  • Pipes can be relocated by a professional if the home is remodeled.
  • Add insulation to attics, basements and crawl spaces. Insulation will maintain higher temperatures in these areas.
  • For more information, please contact a licensed plumber or building professional.

Monday, January 26, 2015

Friday, January 23, 2015

Monday, January 19, 2015

Martin Luther King, Jr Day

One way to honor Martin Luther King, Jr. Day this year is to participate in the national day of service. Learn more here

Wednesday, January 14, 2015

National Dress Up Your Pet Day!

Today is National Dress Up Your Pet Day! Have fun and celebrate your pets by dressing them up in your favorite outfit. 

http://www.dressupyourpetday.com/about.htm

Monday, January 12, 2015

Friday, January 9, 2015

Protect your kids from the flu with these easy tips:

Flu Prevention Tips for Kids

As parents and teachers know, children have a way of picking up colds and other illnesses at school. Teach kids to adopt these healthy habits in order to prevent the spread of germs:
  • Avoid sharing objects such as utensils, cups, and bottles.
  • Cover your mouth and nose with a tissue when you cough or sneeze and wash your hands afterwards. If tissue-less, cough or sneeze into your elbow or upper arm, not into your hands.
  • Keep your hands away from your eyes, nose and mouth to keep germs from entering your body.

Hand Washing: A Simple Solution That Really Works

Proper and consistent hand washing is one of the easiest ways to prevent the spread of flu. Teach kids by example by showing them proper hand washing technique:
  • Wet hands with water and apply an amount of soap recommended by the manufacturer to hands.
  • Rub hands together vigorously for at least 20 seconds, covering all surfaces of the hands and giving added attention to fingernails and surfaces where jewelry is worn.
  • Rinse hands with water.
  • Dry thoroughly with a disposable towel.
  • Use towel to turn off faucet.
For younger children who tend to rush their hand washing, have them sing a short song such as "Row Row Row Your Boat," or the "Happy Birthday" song – this will ensure they wash for at least 20 seconds. Placing hand-washing reminders at children's eye level will also help them become consistent hand washers.

Educational Tools

Parents and teachers can reinforce kids' hand-washing habits by using tools such as The Scrub Club® , which offers free materials to raise awareness about the benefits of hand washing to fight germs and prevent illness. The fun, web-based experience is complete with educational materials, music, games and cartoons.
Created by the American Red Cross and NSF International (NSF) and available in the English, French and Spanish, Scrub Club® is being used in hundreds of schools nationwide.

Wednesday, January 7, 2015

2015: What the Biggest Tech Trends will be

What electronics are going to make a splash in 2015? Predictions abound at the Consumer Electronics Show. Which one of these tech trends would you try?

http://abcnews.go.com/Technology/ces-2015-biggest-tech-trends/story?id=27966276

Monday, January 5, 2015

15 Phrases that will change your life in 2015

As the new year approaches, many of us will resolve to transform our bodies -- but what about our minds?

Giving ourselves a mental makeover could be just as important as giving ourselves a physical one. But accomplishing that doesn't just lie in changing our thoughts -- it's also dependent on changing our words.

How we speak -- to others and to ourselves -- has a huge impact on our overall outlook. So isn't it about time we started paying more attention to what we're communicating?

Read More: http://www.huffingtonpost.com/2014/12/28/phrases-change-your-life_n_6372404.html

Thursday, January 1, 2015

A list of the top 10 New Year's Resolutions

What is your New Year's Resolution? Here's a list of the top 10 New Year's Resolutions with links to helpful content so you can reach your goals.

http://pittsburgh.about.com/od/holidays/tp/resolutions.htm