Archive for September 2012

What is boat insurance and why do you need

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What is boat insurance and why do you need -

When you think of insurance, you probably think of the most common insurance policies : life, health, home and auto. But if you are a boat owner, there is another insurance policy that should be at the top of your list. - Boat Insurance

Unlike auto insurance, boat insurance is not required in every state. Having such a policy for your boat, however, protect your financial security in case of accident.

"Boat owners should at least have liability insurance, which covers any damage they might cause to someone's property or if they cause injury to someone else "said Dave Freeman, Vice President of Personal Lines Underwriting at Erie Insurance. "If you want protection for your own boat - including equipment permanently attached while boating equipment and accessories, outboard motors and boat trailers - you have to carry the physical damage coverage."

Coverage of complete physical damage Freeman mentions protects you in case your boat undergoes direct physical loss or damage to your boat, equipment, engine and / or trailer. Another more basic perils coverage is appointed coverage that protects you in case of accident due to fire, lightning, hurricane, tornado, storm, theft, vandalism or malicious acts, collision while aqueous phase, collision, overturning and derailment on earth or the loss of the entire engine overboard.

another cover every boat owner should consider is uninsured boater protection policy covers the insured boaters if they are ever involved in an accident with an uninsured boater.

While most claims would be covered by these warranties, boat owners looking for more protection may also consider medical insurance payments covering injuries on a boat. You might also consider coverage of emergency services in case of emergency service for the boat is necessary. You also have the option to insure your boating equipment and even personal items you bring your boat, such as clothing, fishing equipment, awnings, tools, radios and cameras.

Finally, boat owners may be interested in an extension spars and racing sails, which covers damage to the sails, spars and rigging at a pre-arranged racing competition.

ERIE the boat insurance policy protects boaters throughout the continental United States, Washington DC and Canada as well as the waters along the coast. For more information on this policy and specific coverage available, contact a local agent Erie Insurance in your community.

It's time to have fun now that the logistics are out of the way. Discover the next post to learn more about some of the best places on the Great Lakes.

ERIE Offers Free Pedicab Rides in Pittsburgh

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ERIE Offers Free Pedicab Rides in Pittsburgh -
pedicab rides

They're back!

For the second consecutive year, ERIE partners with Green Gears Pedicabs to offer rides rickshaw free Pittsburgh.

During the popular summer events in June, Pittsburghers can hop a ride on one of seven brand with ERIE pedicabs to "free spin" flags on the back. (The pedicabs also have a distinctive green top.)

This is when and where to look for them:

Date event and location
June 8 vs. Pirates Milwaukee Brewers, PNC Park
June 14-15 Three Rivers Arts Festival, Downtown
June 20 and 22 JazzLive Pittsburgh International Festival, Downtown
June 29 vs. Pirates New York Mets, PNC Park

The pedicabs ERIE will return later this summer, so stay tuned for more news on their whereabouts.

Video: What You Need Business Insurance in

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Video: What You Need Business Insurance in -

If you own a business - even if it is a small home business - you face particular risks as a business owner. That's why it's so important to have good coverage and find a trusted insurance agent to help you address potential gaps in coverage.

Watch the video above to find out what guarantees you need in business insurance. Also keep in mind that certain changes and situations should prompt you to review your company's insurance policy. A trusted resource as an Erie Insurance agent can review your policy and help ensure you have the insurance coverage for your business.

ERIE employees and agents Putting Community Involvement in High Gear

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ERIE employees and agents Putting Community Involvement in High Gear -

The June 8, 32 ERIE employees and agents in Rochester, NY, argued Tour de Cure, a series cycling events to benefit the American Diabetes Association. Employees of both claims and sales, as well as agents, rode bikes or have a sponsored ERIE rest stop for more than 2,500 runners.

Their teamwork has paid off. They exceeded their fundraising goal, raising $ 5,837 for the cause. ERIE gave an additional sum of $ 2,500 through sponsorship. ERIE an employee was even recognized for raising $ 1,000 on itself.

The team said they look forward to their pedal power wisely next year.

How to win a bid

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How to win a bid -
auction goers

If you plan to attend a charity auction or stop by a real estate sale or other type of auction, we have some tips for you. Read the following tips to learn how to win an auction.

live auctions

Regarding how to win an auction, the work begins before you even get there. If possible, read and do research on the items that are auctioned. (Some sources worth consulting are eBay, an appraiser and former sales catalogs). It is the job of the auctioneer to help sell each item for a high price, knowing the real value in advance will help you make sure you pay a fair price.

You will also need to confirm the preferred payment method advance-auctions only accept cash or check.

Not a sale to experienced auction Goer? Next, consider going to an auction or two in advance to get an idea of ​​how they are progressing.

Once you are at the actual auction, take a moment to inspect the items if possible. The last thing you want to do is overpay for an item that is not in good condition.

Speaking to overpay, take the time to decide your bid limit for each item. It's easy to get carried away when the action starts, so decide in advance the maximum amount you are willing to part with

Once the bidding starts, try these strategies: .

  • Be very clear when you place a bid. Make sure the auctioneer is aware of your offer by calling on and / or waving your bidding card. It also helps to sit by the auctioneer.
  • Consider calling team offers. If you choose to bid with other as part of a team, be very clear on that bid and what your collective submission deadline is. The last thing you want to do is accidentally bid against each other or exceeded.
  • Consider placing a power supply down. This is an extremely low offer which is usually issued before the auctioneer ends to mention the item. Raising his hand early in the game, you signal to the auctioneer that you will take the item if no higher bids.
  • Wait until the last possible minute. Establishment of an offer towards the end when things start to slow down is usually a technique used to expensive items.

silent auctions

A silent auction do not have an auctioneer. Instead, you submit your bid on a piece of paper. Silent auctions are particularly popular for charitable fundraisers.

  • First, make your choice (s). Many articles you might try, but force you to choose only a few that you really want to win. Then rank these items if you know where your priorities are. Also set a hard limit on how much you are willing to spend. If you are worried that you might spend, ask a partner or friend to help you stay online.
  • Consider enlisting a buddy. Nobody wants to help a competitor, so choose someone who bids on different items. You can inform a friend of the current bid or be allowed to write an offer for them. (Be sure to confirm their bidding limit!)
  • Deciding on a strategy. Some people believe to bid early and often to show that they mean business. Others believe to wait until the last minute to place a bid. Which strategy you choose depends on what you think works and how often you want to visit the bidding table.
  • Go for the kill. Whatever strategy you choose, the last 15 minutes or so of the auction are critical. Stay close to the bidding table to see if someone stops by the desired item. Pay a last visit to the bid sheet near the end of the auction.

If you end up placing the winning bid on a more expensive item, do not forget to check with the Erie insurance agent. You may need to look into additional coverage to ensure that you are protected in case he never lost, stolen or damaged.

Top Cars for Teens

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Top Cars for Teens -

Security is certainly in the mind of every parent of a new teen driver.

In addition to learning the right way to drive, it is also important to have the right kind of car. The Insurance Institute for Highway Safety (IIHS) recently examined adolescents cars drive more often. The results show that 83 percent of people who buy a vehicle for their teen buy used. This is a problem because older cars used often lack important safety technology than newer cars.

To help parents of young drivers, the IIHS has recently compiled a list of the best cars for teens. Each selection includes important safety features such as electronic stability control standard (ESC) and good protection for moderate injuries before. And, with recommendations ranging from less than $ 5,000 $ 20,000 there is something to fit the budget of every family.

Read iihs.org source to find out which vehicles are among the best cars for teens.

Video: Making Sense of Rental Car Insurance

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Video: Making Sense of Rental Car Insurance -

There is no doubt that car insurance rental can be confusing. After all, you are almost always offered extra blankets in the car rental counter. But do you really need them if you have adequate coverage for your car insurance policy? And additional coverage of credit cards offer?

With so much to consider, it is easy to see why so many people end up paying for coverage they do not really need. Others, meanwhile, may have a coverage gap if they mistakenly believe their regular auto insurance policy or credit card offers coverage.

Watch the video above and read our rental car Q & A to get a better handle on rental car insurance. It's also a good idea to speak with a professional such as an Erie Insurance agent in your community before renting your next car.

The research highlights the need for security ATV

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The research highlights the need for security ATV -

all-terrain vehicles (ATVs) can be fun, if you use them the right way.

ATVs are strictly intended for off-road use. Despite this, many riders take them on the street anyway.

The choice may take an unfortunate turn: Between 07 and 2011, the Insurance Institute for Highway Safety (IIHS) reported that nearly 1,700 ATV riders died in accidents on public roads in the States United

the research details where, who and how most accidents occur. Read IIHS summary as to why it is a bad idea to use your ATV on a public road. Then read the tips below to learn more about staying safe on your bike.

ATV Safety Tips

  • Never let children or by car. Anyone ATV must be at least 16 years old and have a valid driver's license.
  • Always wear a helmet. Choose a helmet that is certified by the US Department of Transportation (DOT) and / or the Snell Memorial Foundation. The IIHS research shows that many fatally injured riders failed to wear a helmet.

    There is also a good idea to wear glasses, long sleeves, long pants, over-the-ankle boots and gloves.
  • Never drink and drive. Most accidents examined in the IIHS report to alcohol. Think of your bike like a car, and do not drink and drive.
  • Consider taking a practical course of security. Ask your local dealer ATV about classes in your community.
  • Remember, only one (or two) at a time. ATVs are designed to accommodate a specific number of people. Do not exceed the limit and take note of the maximum weight as well.
  • Pay attention to the weather. The rain, wind and snow can all be dangerous walks.
  • Follow the recommendations of your service manual. As cars, ATVs need oil changes, brake inspections and to run safely.
  • Someone knows where and how long you will be riding. Also take a cell phone fully charged with you. Many times, the ATVs are in the woods, so it is important to be prepared if you have a problem.

You will also need to make sure your bike is insured. ATV insurance coverage can include collision, comprehensive personal injury and property damage liability and uninsured motorist / uninsured. Check with a professional such as an Erie insurance agent to learn more and get a quote.

Do you have an emergency action plan?

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Do you have an emergency action plan? -

If a disaster such as a tornado or hurricane happens, you're sure you (and your family) would know what to do?

September is National Preparedness Month. Throughout the coming weeks, individuals and families are encouraged to "resolve to be ready." Much to be prepared is to have an emergency action plan in place that will help you to see through natural disasters and man.

does not end up like the family in the video above that (jokingly) decide on the wing. ensure companion animal safety have enough food and water on hand, there are many things to consider in the wake of a disaster. and design a plan after it happens is too late.

How to create an emergency action plan

Ready to get serious about creating your own emergency action plan? If so, here are some points to consider as well as resources to help you shape your emergency action plan :.

  • Start by identifying the risks that have occurred or may occur in your area your local emergency management office can help you with that
  • Create a plan. Consider special accommodations for infants and young children, the elderly, pets and people with disabilities.
  • Put together an emergency kit. You never know when disaster will strike, to also create an emergency kit for your car.
  • Continue to learn more and stay involved. websites such as ready.gov and eriesense.com are excellent resources for helpful advice. In addition to learning more, you can also consider serving as a volunteer disaster.

In addition to all the above, you will also need to have auto insurance and homeowners in case your car or home sustains damage disaster. Talking with a professional such as an Erie Insurance agent for more to obtain adequate protection.

Join ERIE International Festival of Raleigh

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Join ERIE International Festival of Raleigh -
trade show booth

Raleigh is one of the fastest growing cities in America. It is also becoming one of the most diverse.

This weekend, experience the cultures of over 50 different local ethnic groups at the 29th International Festival of Raleigh. The event, held at the Raleigh Convention Center on September 19-21 offers dance, cultural exhibits, music, great eats and more.

Focus International Inc. is sponsoring the event. The goal is to connect and collaborate with the various residents call home Research Triangle. Working together, the whole community will benefit from the perspective, creativity, wisdom and friendship each group has to offer.

Erie Insurance is proud to sponsor this fun and meaningful activity. A Grant Erie Insurance donation will help underwrite the treasure hunt for children. Make sure you take a passport to the International Bureau of the Passport Festival. When your children are visiting a cultural exhibition, they can get "stamped". They can then bring the completed passport to the cabin Erie Insurance (located opposite the International Office of Passport and Festival near Courtyard Sophia) so they can receive a "Citizen of the" global stamp.

also swing by the booth ERIE September 20th 11-4 pm ERIE employees and agents distribute coloring books all the time. There will also be interactive cultural activities and an appearance Ernie ERIE dog fire safety.

Read more about the event by visiting the International Festival of Raleigh site.

Why Life Insurance? 7 things

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Why Life Insurance? 7 things - covers your policy

Life insurance is something many people in many situations and different stages of life should consider.

Even knowing this, you can always ask why life insurance is a good fit for you. Check the following list to understand what types of life insurance can cover expenses. You and your family will have greater peace of mind knowing exactly why life insurance can play an important role in the future.

7 things life insurance can cover

1. A stream of income. Your family depends on your income to meet daily needs such as food, medical care, utilities, car payments and more. If you die without a way to replace that income, the current level of life could be in danger.

2. A mortgage. Could your family pay the mortgage of your house without your salary in the image? Otherwise, an already grim situation would be aggravated by the possibility of losing the home they love. It could also mean that your children could no longer attend school in their current neighborhood or maintain friendships they currently have.

3. A college loan. college tuition rose faster than inflation and so has student loan debt. Many private lending institutions do not forgive student loans in the event of death. This means that the debt can reduce the amount of assets available to pass to the beneficiaries of the estate of a deceased student. It could also lead to repayment obligations for any person who has agreed to be a co-signer on the loan.

4. US Department of Agriculture says a child needs. it costs $ 245,340 to raise a child who was born in 2013. To ensure that there is enough for each child is something both a job and stay at home parents should take consideration.

5. An enterprise. The right life insurance is essential if you own a business. This is especially true if a business partner. If one passes away, it is advantageous to have funding in place for the surviving partner to buy the participation of the deceased partner in the company. Funding must also be set up to help a company survive after a key partner passes. Finding the right person may take time and company resources can not have no life insurance.

6. retirement. Many experts recommend that you must wager 11 times your annual salary to retire at age 65 (you'll need more if you are not working up to 65 years) without enough savings or 'life insurance, your surviving spouse may not have these golden years.

7. funeral expenses. The median price of a funeral is over $ 7,000. Funeral directors say families without sufficient funds are forced to reduce the service or ask friends and family for donations.

life insurance needs vary from person to person. If you are interested in learning that one is right for you, contact a professional as an Erie insurance agent in your community. They can tell you why life insurance could be a good option for you and help you find the right coverage at the right price.

Celebrate Nashville with Erie Insurance

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Celebrate Nashville with Erie Insurance -

Celebrate Nashville is one of the largest multicultural festivals in the southeast and it's almost here.

The multicultural festival takes place Saturday, October 4 at Centennial Park. The festival celebrates the diversity of Nashville, a city where one in six residents is foreign born.

In the event of a busy day, visitors can attend dance performances, shop for handmade products to the global market, delicious sample ethnic foods and more. Special activities for children and teenagers will also be held.

Erie Insurance is proud to sponsor Celebrate Nashville for the second consecutive year. Make sure you stop at the booth ERIE, where agents and employees ERIE distribute water bottles, coloring books, stickers and more. Children will also have the chance to meet Ernie the dog of fire safety.

To see the complete program of the event, visit celebratenashville.org.

Next Up: The Radar Guns bust Texting Behind the Wheel

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Next Up: The Radar Guns bust Texting Behind the Wheel -
Radar gun

There is no secret that the drivers face many distractions wheel.

Perhaps no source of distraction gets much attention these days as texting while driving. Policy makers have addressed the problem with legislation prohibiting dangerous habit. Text Meanwhile, a state even created constantly on its highways.

It seems crazy, but the following tactics may well be a radar gun to detect drivers who text behind the wheel. A company in Virginia working on such a device.

Certainly the leaders of law enforcement in states that ban texting while driving will use radar guns. But that did not stop people raising questions about whether the technology is an invasion of privacy. Meanwhile, others have questioned the logistics of how the weapon knows a pilot rather than a passenger, is texting.

Learn more about these radar guns by reading the article from source to yahoo.com.

Facebook Launches Safety Check Feature

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Facebook Launches Safety Check Feature -

Natural disasters can affect everyone in a community. That is why it is so important to have emergency kits in your home and car and know how to manage major weather events such as hurricanes, tornadoes, floods, earthquakes and winter storms.

With any luck, your preparation will ensure your safety. But how do you tell your friends and family that you agree?

An easy way to do this is with the new Facebook security check feature. With a tap of your finger, you can alert your entire network you (and all the friends you are with) are out of danger. Facebook Safety Check gives you two choices :. "I'm sure" or ". I'm not in the" After you select your choice, it will create a story in your RSS feed

Facebook has started to develop a similar feature after tsunami Japan 2011. Perhaps it is significant that Facebook safety Check began just before the second anniversary of Hurricane Sandy. While a natural disaster is a stressful experience, it becomes much easier to deal with when you know that your loved ones are safe.

Read source newsweek.com

Slideshow: Cute Animals in Halloween costumes

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Slideshow: Cute Animals in Halloween costumes -
There

few weeks, we asked Facebook fans to ERIE submit photos of their pets in their Halloween Costumes. We are pleased to announce that we have received many requests (very cute). Check out our favorites in the slideshow above!

If traveling on Halloween with your furry friend, read these tips on how to keep pets safe in cars. Remember, Erie Insurance can also help protect your pets with damage coverage for pets that is automatically included in automobile policies ERIE. * It covers up to two dogs and / or cats that are injured in your vehicle at the time of an accident. Contact an Erie Insurance agent in your community to learn more.

* Not available in North Carolina.

New scams draw attention to identity theft Protection against

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New scams draw attention to identity theft Protection against -
ID theft

When you think about identity theft, you could image a criminal listens with a pen and paper in hand as someone reads a telephone credit card number.

this kind of scenario still occurs, but it is almost old. Indeed, today's thieves can steal your personal information by using more sophisticated techniques. And they are more often than ever. Since 2010, identity theft has happened to affect 10.2 million people per year to 13.1 million people per year

How they do it

today thieves can learn a lot about you by simply visiting your pages in particular social media if your settings are public. A common practice is to reconstruct the bits of information you share on various websites. Just a few scraps they can learn about you include your birth date, your city, the maiden name of your mother, you bank "like" and what Internet provider you complain in your messages. This can ultimately help them decode your passwords and access personal accounts.

"All your data has a value, and it is being aggregated," said Eva Velasquez, President and CEO of the Identity Theft Resource Center (ITRC), a nonprofit that helps
consumer to prevent and resolve identity theft issues.

massive data breach last year to the target underlined how thieves can steal identities through a supplier third parties. It is important to note that public Wi-Fi connections in places such as cafes, hotels and airports are less safe. the moment you open your bank account, check your e-mail or online store you may disclose information to a hacker.

Traditionally, criminals used to steal credit cards and maxed them. Now they craftier. Some use your identity to obtain tax refunds, medical procedures or government services such as unemployment benefits.

"It is lucrative for thieves, and chances to catch them are slim," said Velasquez. Moreover, even if a thief is caught, the penalties for white collar crimes are generally not as stringent as those for violent crimes.

The red flags

Some of the most commonly known that you might be a victim of identity theft include getting signs collections notice or appeal concerning the debt you do not remember incur; find accounts or unfamiliar charges on your credit report; see unexplained withdrawals from your bank account; and having a particularly difficult time applying for a loan or renew a passport or permit

Lesser known red flags that you may be at risk are :.

  • You get a medical bill or explanation of benefits for procedures that you have not received.
  • A health plan not cover you because your medical records show a condition you do not.
  • Your health plan denies a legitimate claim because medical records show that you have reached your limit of benefits.
  • The IRS notifies you that more than one tax return was filed on your behalf and / or have an income from an employer that you are not working for.
  • you find errors on your Social Security statement.

One word of

The ITRC suggests that you keep Acronym SHRED in mind when it comes to preventing identity theft

    S Strengthen privacy settings and passwords (always use eight characters, upper and lower case, and at least one number or symbol)
    H :. Handle your personal identifying information (such as license and passport) carefully
    R :. Read your credit reports every year. (Order a free to annualcreditreport.com.)
    E :. Empty your purse or wallet so you're not carrying around personal documents such as birth certificates or Social Security cards
    D: Discuss these tips with family and friends

Unfortunately there is no foolproof way to prevent identity theft .. and it can happen to everyone. (Just read the real life story of this woman of identity theft.) That is why it is useful to consider the protection of identity theft insurance. An insurance professional as Erie insurance agent can tell you more about this growing need, affordable coverage and.

Great coverage, great condition: ERIE Open for business in Kentucky

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Great coverage, great condition: ERIE Open for business in Kentucky -

Erie Insurance is proud to serve with Kentucky leading automotive, home , business and life insurance for the first time this fall.

Since 1925, the independent-minded community ERIE Agents have been providing customers with the coverage they need and the service they deserve through the Mid-Atlantic, Midwest and South. Now REA is pleased to offer the same great products and services to the Commonwealth of Kentucky, a state that is rich in culture and tradition. Music horse racing in stunning views and much more, Kentucky is a great state that we are so proud to serve now.

Learn about Kentucky

Since its founding in 1792, Kentucky became known for many things. It is the place that gave the world the Kentucky Derby, some of the most beautiful expressions of bluegrass music ever heard, American bourbon, the second largest restaurant chain in the world and the former single most. (Congratulations, George!)

Today, Kentucky is a very modern state with world-class universities, thriving businesses and vibrant cities. Yet, it still maintains its inviting charm and traditions of the South

Read on for some of the people, the places and the most exciting things about Kentucky

  • Kentucky by years .. Kentucky has played a major role in American history. Learn some of the main events that have occurred over the years.
  • famous Foods Kentucky: You have an appetite? If so, you are in the right state. Kentucky has its own list of dishes and distinctive goodies (and delicious).
  • Kentucky Music: Learn more about some of the major trends in music and musicians that have come out of the state.
  • Top Attractions for horse lovers: Everyone knows that little race that takes place each year in May. But there is also a long list of other equestrian sites on the topic that are worth visiting throughout the state.
  • The history of the Cincinnati-Covington Bridge: Did you know that the Brooklyn Bridge could not have been built if it was not for the Cincinnati-Covington Bridge? Learn some fascinating facts about this engineering marvel in its time before.

You can also learn more about Erie Insurance through the years. We and our network of independent local agents have helped people to take things since 1925. Find Erie insurance agent near you or to get a quote erieinsurance.com.

Ready to learn more about Kentucky? Then we'll begin.

3:09 PM Add Comment
- Read more

Beyond real holiday emergencies such as kitchen fires and sleigh accidents, there are other more minor issues that still have the potential to cause panic. Like, how long do I cook my turkey? And how do I know it's really done?

Fortunately, the resolution of your turkey emergency is only a (free) call. The US Department of Agriculture (USDA) encourage anyone with questions about the meat of anything, poultry or call the USDA Meat and Poultry Hotline egg products.

The line opened with experts on food security and nutrition. Since its inception in 1985, the USDA Meat and Poultry Hotline has answered more than two million telephone calls relating to the safe storage, handling and preparation of meat, poultry and eggs. Today, you can send your question or request a live chat session.

Experts will be there 8:00 to 2:00 p.m. on Thanksgiving Day to help you avoid a turkey emergency. As you can imagine, the experts have helped people in some pretty interesting turkey emergencies. They collected five of the most memorable on their blog. Read them for a laugh and a lesson on what not to Thanksgiving.

Read the original article on the first five Thanksgiving turkey fails and get safety tips useful to foodsafety.gov food.

Choose, Transport and Caring for a Christmas tree live

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Choose, Transport and Caring for a Christmas tree live -

When it comes to live Christmas trees, I have everything from small trees bought for my old dorm room ceiling grazers to my house. I like the ritual of looking for the perfect Christmas tree. Ditto for the natural beauty and the piney scent makes the trees.

But how do I know really on live Christmas tree?

Not much, it turns out. I noticed that, after talking with Richard Palmer, the owner of the third generation of Palmer Christmas Tree Farms in Mount Bethel, Pa. The family farm, which the insurance business with Erie Insurance, started selling Christmas trees in 1939. Today, they grow trees on 60 acres of land.

This is Richard's tips for choosing, transport and care for a live Christmas tree.

Choosing a living tree Christmas

The first order of business is to decide what type of tree you want. Richard pushed six of the most popular varieties, which include:

    1. Douglas fir: Douglas firs have soft, blue-green needles. They also have a high retention of the needle relative to other trees, making it a good choice if you are particularly empty aversion.

    2. Fraser fir: Richard reports that the fraser fir became a Christmas tree sellers in recent years. "They have a very good reputation for needle retention and easy to handle," he said

    3. Colorado Spruce. This dense tree shaped cone takes its name from its unique bluish gray. "the blue spruce has strong branches and sharp needles," says Richard.

    4. White pine: White pine has soft, flexible needles are blue-green in color. Just know that they are not the best choice if you have heavy ornaments or want a tree with flavor.

    5. Norway Spruce: This tree from northern Europe has shiny, dark green needles and dense branches. It does not retain needles very well, so buy as close to Christmas.

    6. Concolor fir: If you are looking for a tree with a beautiful scent, try a concolor fir. In addition to its pleasant fragrance of citrus, this tree has a natural shape and good retention of the needle.

Whichever tree you choose, it is important to make sure it is healthy. "All Christmas trees will shed needles, but it is not a good sign if many needles fall off," Richard said. "It is also a bad sign if the tree feels light."

Buy your tree as close to Christmas as possible. "I do not sell trees until the day after Thanksgiving," Richard said. "A tree lasts about five weeks, so you should not be buying a before Thanksgiving."

Transport a live Christmas tree

It is always better to plant trees inside your car. If your tree has to go on the hood of your car, put a garbage bag on the tree to protect it from wind.

A common mistake is to face the end of the shaft to the rear of the car cut. "That blows the branches back, causing the tree to shed needles," says Richard. Instead, make the front end of the cut front get a garbage bag on the tree.

Caring for a Live Christmas tree

first fill a water-holding tree stand with hot water. "It gets the circulation tree will, "Richard said. Then you can use water at room temperature in your stand. "Never let the water run out," says Richard.

Another mistake rests on your tree vent heat before putting it in the stand. "Trees can get burn marks of this way, "says Richard. Place your tree in an area away from heating vents, fireplaces and candles.

To prevent fire, inspect your lights to make sure there are no frayed son, bizarre perversions or cracked sockets. Decorations should be nonflammable or flame-retardant.

Your tree will last about five weeks. A sure sign of your tree is past is when it starts to drop more needles than normal.

By following these tips, you'll be able to safely enjoy a healthy and beautiful Christmas tree during the holiday season.

What you need to Restaurant Insurance

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What you need to Restaurant Insurance -

As a restaurant owner, you need insurance restaurant probably includes coverage for your building, your business personal property, personal property of others at your expense, liability and employees on the job injuries.

, which is probably just the beginning, since restaurants are facing quite unique risks. Here are some common industrial hazards that may help you think about what you need insurance restaurant. Not every insurer or the policy provides coverage for everyone, so it is important to have an idea of ​​what you really need insurance restaurant when you shop for coverage.

Table of risks

A few of the other covers that restaurant owners often need include coverage for damage related to a failure off-premises utility; dishonesty and employee theft; Sewer and drain backup; and flat glass breakage.

As you can see, restaurant insurance is important and complex. For peace of mind about your coverage, it is important to speak with an insurance professional as an Erie Insurance agent. ERIE a program that includes products and services specifically developed to provide restaurant owners with the protection they really need. Erie a local insurance agent can tell you more about it and give you a free quote.

12:06 PM Add Comment
- Read more

There are many reasons why millions of viewers tune in to PBS to watch Downton Abbey, the British drama period after life aristocratic Crawley family. There are illicit romances, class tensions and Countess Dowager of witty observations of Grantham, to name a few.

And then there's Downton Abbey, known as Highclere Castle in real life. The current home of Count and Countess Downton Abbey also serves as stunning backdrop and plays a central role in the plot of the show.

Most people simply admire the castle. As insurance professionals, we had to ask: How much would it cost to make Downton Abbey

As you can imagine, there are many . We recently spoke with Terry McConnell, Vice President, Personal Lines Underwriting at Erie Insurance, and Michael Bauer, Supervisor, Commercial Underwriting at Erie Insurance, to get an idea of ​​what it would cost to make Downton Abbey. Read on to learn about what Terry and Michael were taken into account for this calculation. (Or you can get the Cliff Notes version of watching our video!)

Home: same size of the house is one thing. Then there is the fact that it contains high quality craftsmanship from a bygone era. These two facts lead to ensure the cost Downton Abbey

The materials :. Do you have a lot? We can not guarantee that there is nothing compared the thousands of items, many of them truly priceless-inside Downton Abbey

Other structures and landscaping :. The property also includes a guest house, stables and manicured landscaping. All these things need coverage.

of accidents: Dozens of servants, cooks, gardeners and more work behind the scenes of Downton Abbey. Learn what it takes to ensure against injuries at work

Disclaimer :. When Her Majesty the Queen of England, is your dinner guest, you have a specific need for liability coverage. Ask about other risks of sole responsibility of the Crawley and how they would be provided

The Final Verdict :. Drumroll, please: This is where our experts reveal their estimates for how much it would cost to make Downton Abbey.

Ready to learn more? Then we will begin to see what it would cost to make Downton Abbey.

Infographic: Winter Weather Conditions Namely

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Infographic: Winter Weather Conditions Namely -

21 December marked the first official day of winter.

In most countries, winter weather warnings are a seasonal reality. But do you really know what a Winter Storm Watch is? Or how it differs from a winter storm warning?

Otherwise, the Insurance Institute for Business and Home Safety (IBHS) created an infographic that explains five critical winter weather terms. Check it out to learn important terms meteorological winter before they become flashing warnings on your TV screen.

See the infographic disastersafety.org.

What is an insurance expert?

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What is an insurance expert? -

Most of us know what an insurance company is. But what is an insurance adjuster?

Sometimes he does not know that adjusters are and how they are trained to work. (After all, how many colleges offer "insurance adjustment" as a great?)

For answers, we went backstage with Chad Smith, a real estate specialist at Erie Insurance who manages large losses. Read on to learn more about him and all the important ways, it helps customers in their time of need. (And do not forget to ask our short video above to find out more!)

In your own words, which is an insurance adjuster?

For me, an insurance expert is someone who has a lot of responsibility. An adjuster must not only to the company he represents, but for customers who have suffered a loss.

At Erie Insurance, adjusters are the company's ambassadors. People do not really see how an insurance company operates until they have a loss, and that we represent.

What kind of background do you need to become an expert?

More often than not, you need to have a college degree. I am a business graduate, but insurance adjusters can pursue other areas too. I also recommend adding computer and math to your course.

How did you an expert?

ERIE expert hired me as soon after graduating from college. I went through a few months of training that included both classroom training and field. I was tested on information and spent time in the field with adjusters and appraisers to learn about what they have experienced first-hand. Because I work directly for an insurance company, I do not need a license to be an expert. However, rules vary by state.

What kind of skills do you need as an expert?

Being people-oriented is a must. You must be able to empathize with the customer by putting yourself in their shoes. Honesty and integrity are essential to build confidence.

Because of the way the field is changing, you need to be really comfortable with technology or be willing to learn. To grow as a professional expert, you must go beyond internal training and continuing professional insurance designations as a Chartered Property Casualty Underwriter (CPCU) and Associate in Claims (AIC).

What is a normal day like?

There are really no normal day. And that's one reason why I love my job!

To handle it, you should structure your days to some degree, but also to maintain flexibility. I might consider making calls all morning, but if I receive an urgent request, I have to rearrange my day. I am always busy.

What hours do you work?

I usually start early and end late. Sometimes I work on weekends. I enjoy a lot of freedom with this position and am available almost 24/7 because how you provide excellent service. You can not be stuck in the nine to five, Monday to Friday as traditional mindset expert.

What is the most memorable claim experience you have had?

Over the years, I have had many. One that stands out works during disasters 2011 tornado in North Carolina, Virginia and Tennessee. REA was the first insurance company on stage. There was a lot of damage, but I am able to react quickly and help customers affected by the tornadoes. The rapid response was made possible by the way ERIE has implemented its disaster team units. Some people I spoke to said neighbors with other carriers had not even heard of their adjusters. It is extremely rewarding to help ERIE customers when they really need.

What is the most rewarding part of your job?

Knowing in my heart that I did my best to REA and the customer on each claim that I manage. I remember a complaint, we had to refuse; even still, the customer sent me a card thanking me how polite and helpful I had been during the process. Everyone should receive the same level of service, regardless of the result.

Do you have the support of a company that offers the kind of premium service offers Chad? If not, contact a local agent Erie Insurance in your community to discuss your options and get a free quote.

Obama focuses on cybersecurity

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Obama focuses on cybersecurity -
Cybersecurity

Americans are increasingly aware of the identity theft threat and violations data shows. Now, President Obama should speak out against such crimes increasingly common in the annual State of Union address.

reports

White House that President Obama has been to focus on cybersecurty in the week before the State of the Union. The Obama administration has already supported a number of important bills to increase cybersecurity of the nation. Tonight, the president used the State of the Union 2015 address to advocate new key strategic initiatives to protect the privacy of Americans.

In the meantime, it is always a good idea to take steps to protect yourself. See the articles below to learn more about stolen identities and data and how you, your family and your business protect against identity thieves.

  • Lax privacy settings on Facebook can lead to identity theft
  • Children and identity theft
  • 8 tips to protect your identity
  • Is this your business Secure Data?
  • New scams draw attention to the identity theft protection

For the protection and peace of mind, consider identity theft and insurance fraud and insurance for data breaches. An insurance professional as Erie insurance agent can tell you more on each cover and give you a free quote.

What to do before a Blizzard

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What to do before a Blizzard -
snow covered cars

Winter weather can be brutal. Do you know what to do before a blizzard success?

Here, AOS a checklist to help. Once you, AOVE went through it, give yourself permission to return to the frenzy of watching your favorite shows. (Downton Abbey, anyone?)

What to do before a blizzard results

1. Set your alarm early. You never know how much snow you, Äôll actually get. Waking up earlier gives you more time to paint your car, shovel or blow snow and drive to work if the storm isn, AOT as bad as expected.

2. Put a litter bag for cat or salt in your trunk. Kitty litter can help release your wheels if they get stuck. You can also use other heavy material like a bag of salt.

3. Prep your car for the drive. Fill your gas tank. Take a minute to check your level of wiper fluid and leave your wiper blades up if your car is outside. This is also a good time to make sure you have everything you need in your emergency car kit.

4. Prevent damage from frozen pipes. Water damage is not a joke. Turn the heat down if it will be particularly cold and make sure the garage door is closed. Didn, AOT prep your home for extreme cold? Fortunately, there are still steps you can take to prevent frozen pipes.

5. Get everything done yesterday. You can already do this, but packing your lunch, your work and your bag backpacks kids, AO and exposing clothes the night before can really save time the next morning.

6. Stock and load up. Make sure your phone is fully charged and emergency numbers (family, friends, the electricity company and the police) stored. Also, if possible, store on the essentials, including food and batteries before the snowfall.

7. Bring pets inside. If you have an outdoor cat or dog that sleeps in a kennel, get inside. sub-zero temperatures can test even the boldest of our furry friends and get them to seek shelter doubtful (as under the hood of a car) to find warmth.

Monitor weather conditions and use your judgment as to whether you need to brave the roads. If you find that you need to be in time, follow these driving tips to stay safe.

Video: Tour of New Technical Learning Center ERIE

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Video: Tour of New Technical Learning Center ERIE -

Learning Center ERIE new technique (TLC ) is now open for business. A TLC, agents, adjusters, insurers and major risk control specialists will gain hands on training related to different aspects of their work. These practical experiences will ultimately help develop accurate estimates and better service to all REA customers.

Get a behind-scenes look at the new TLC in the video above. In this document, executive vice president Chip Dufala guide through the CCM and sharing how it will help ERIE be foremost in the service.

12 tips for driving in a Whiteout

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12 tips for driving in a Whiteout -
Driving in a blizzard

In many parts of the country, led by wind and snow is just a part of your average winter . However, it is not every day that you are caught driving in a white veil.

The drivers are often caught unprepared when the snow is blown across the road and visibility is virtually nonexistent. If the weather conditions are bad enough, take an executive decision to stay home.

However, if you must go outside or the conditions are not quite bad enough to warrant staying home follow these tips when driving in a white

1. Slow :. Speed ​​limits are set for summer conditions where snow and ice are not a problem. If you drive in a whiteout, drive slowly. Also periodically check your speedometer without visual cues through, it is easy to speed up without realizing it after a while.

2. Avoid sudden acceleration, braking and steering: Drive carefully and gently to avoid slipping and sliding on the road. Also avoid jerking the wheel overcorrections could put you in free fall. Instead, gently guide the car where you want it to go

3. Do not tailgate :. This is important at any time, but especially when you 're driving in a white veil. Leave more space than you would normally between your car and the car in front of you

4. Avoid changing lanes or pass other drivers: . Reduced visibility makes it difficult to see when someone else has the same idea

5. Avoid using cruise control :. Tapping the brakes to deactivate cruise control can cause your tires to lose traction. If you need to slow down, take your foot off the accelerator and let the car slow down gradually.

6. Look beyond the car in front of you: It is easy to lock your gaze to the taillights in front of you. There is a better bet to keep your eyes away

7. Put your low beams or fog lights on :. Low beams are a better choice than the high beams since there is less bounce from ice particles in the air

8. defrost your windows :. Turn the defroster for front and rear windows. It is better not to press the recirculate button-how tends to make your windows fog up more because of the increased moisture in the air

9. Collapse :. distractions beyond those obvious as refraining from texting while driving, you might consider turning off the radio, avoid eating or smoking, and to all conversations on break so you can really focus on the road . (The one exception. Tuning in weather reports)

10. Be prepared to redirect: If a weather report said a certain area is closed or saved, divert your course. The advertiser will often give an alternative route

11. Watch out for black ice :. It is extremely slippery and dangerous, so make sure you know how to spot it and how to handle driving on it

12. Shoot :. If conditions are bad enough that you can not see the road, put on your four-way flashers and park in a safe place off the road. Avoid going to the side of the road, except in cases of extreme urgency, as this can create a dangerous situation for you and other drivers.

Sometimes accidents and injuries occur despite your best efforts. That's why a good auto insurance is essential for any driver. To learn more about auto insurance coverage you can count, contact a local agent Erie Insurance in your community to learn more.

Best States for Business

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Best States for Business -

Do you know where your state regarding taxes, regulations and licenses for business? The Kauffman Foundation, a think-tank, calls every year thousands of small businesses on local hiring requirements, regulations, zoning, licensing, insurance, training and more. They then analyze the data and grade each state based on the way to their favorable tax policies and rules businesses.

Learn the best states for business are (and if your state is among them) in the following article.

Read the article in The Economist source

How to grow a business in a state

What if you do not live in the one of the best states for business? Fear not, because there is a lot you can do as a business owner to help your business grow and prosper in a state less friendly business. Here are some tips to help you no matter where you live:

  • Keep learning. Knowledge really is power. Whether you are attending a seminar, read a book on marketing or attend a public speaking class, you will gain a significant advantage if you make a commitment to education. To start, check these first books for business owners.
  • Look for ways to improve operations. Whether to find ways to reduce costs, motivate employees or work more efficiently, there is much you can do to better manage your business. Read how a small business owner has improved accountability (and profits in the end) in the workplace.
  • Get savvy social media. A strong online presence is essential for today's business owners. In addition to a website, you should also consider getting active on social media platforms like Facebook and Twitter. Moreover, the focus on how to get more online reviews of your business. Discover valuable advice on how to get more comments on Google+.
  • Make sure that your business is well protected. The right coverage can help you bounce back when something unfortunate happens. Talking with Erie insurance agent to learn what you need in business insurance.

Owning a business is not easy, and that is especially true if you live in a state with a less-than-ideal business climate. Yet you have the power to shape your business destiny, no matter where you live. So focus on what you may control it could be more than you think.

10 Numbers Namely Pi Day

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10 Numbers Namely Pi Day -
Pi written on chalkboard

On March 14, we celebrate Pi Day. (For those who need a refresher in mathematics: Pi is a mathematical constant that is the ratio of the circumference of a circle to its diameter is represented by the Greek letter "of π" and spelled as "pi" ..)

You should not be a mathematician to celebrate the famous irrational number. People all over the world will celebrate the day by playing pi games, running 3.14 miles, eat pie and more

Pi Day is very special this year. For the only time in this century, ft will be specified in a total of 10 digits exactly 3/14/15 at 9:26:53 (3.141592653).

The day the Insurance Information Institute think irrational numbers related to insurance. They recently created an infographic Pi Day on irrational insurance numbers. Make sure you check and do not forget your Erie insurance agent is always there to help you make sense of your insurance.

Top Home Buying Tips

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Top Home Buying Tips -

Buying a home is one of the most stressful decisions Äîfinancial biggest, Äîand you, never Äôll make. You want to make the best choice for you, your family and your wallet.

This series of messages is designed to help you do just that by giving you some shopping tips for smart home. In them, we, Äôll cover the following topics:

  • What can you assess a home for a projection A projection gives you a unique opportunity to walk the halls ? your potential new home. This post you what it takes to show the inside so you can learn as much as possible about a property That, AOS in the market.
  • What should you ask the current owner or a real estate agent? Their answers to some simple questions will help you decide whether to go ahead with a purchase.
  • What does an inspector look at the house and how do you find a good one? A good home inspector can save you from making a bad purchase. This post will give you a brief overview of what a home inspector looking for when inspecting a home, as well as information on finding a qualified inspector.
  • What major problems should give you a break? All problems are not created equal. In this post we, Äôll highlight some of the most serious of a home inspector may find problems and you should seriously reconsider buying a home.

Ready to learn the buying tips for a house? Then let, AOS start.


Making Sense of Left Lane Driving

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Making Sense of Left Lane Driving -
There are many laws about left lane driving.

Left Lane driving is a touchy subject these days.

In Washington state, troopers stationed in unmarked cars are now ticketing channel drivers slow left. Meanwhile, Georgia has recently increased the penalty for violating the path of traffic law left the state with a misdemeanor charge.

ordinary citizens are also weighing in about the way of driving left. There are now several websites and groups on Facebook® share the message that left the streets are no places for slow drivers. (Just one is Left Lane Drivers of America.) The National Motorists Association has also taken position when she said June Lane Courtesy months in an effort to remind drivers to give way to the faster moving traffic.

traditional driving etiquette says that the left lane is for faster drivers looking to pass other cars. This is why it is commonly called the "fast lane." In addition to contributing to the efficiency of traffic and prevent traffic jams, reserving the left lane for faster cars can also keep the roads safer .

Indeed, research shows that accidents come more of the variance in average speeds that drivers accelerating. slower drivers in the left lane will cause faster drivers to slow down, speed and lane change more than they should. and that, the researchers say, causes the most accidents.

shall take place

Today every State legal measures to regulate left lane. in 29 states, a car going slower than surrounding traffic needs to move in the right direction. Eleven other states take a little further than that :. They demand that the left lane is only for passing or turning

No matter what your views are on this issue, it is a good idea to know the left lane of your laws state and conduct driving safely whatever the way you are.


Connected Car technology takes a leap

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Connected Car technology takes a leap -
Someone touches a screen in an automobile with connected car technology.

Houses are not the only things being transformed by smart technology. Changes are also underway in today's cars and they are ready to change the way we think about our car in a major way.

Connected vehicle technology aims to make driving more enjoyable, more convenient and safer. If you own a car, you're probably already familiar with car technology connected as voice commands, navigation aid and notifications that alert you to problems and maintenance issues.

connected vehicle technology like this and more is only getting more popular. In fact, some experts predict that 0 percent of all new cars will be fitted with the car's technology connected in 2020.

As a recent article on bankrate.com details there are many things to look forward to when it comes to technology connected car. New features include all of amped up infotainment systems to technology that helps you monitor your teen to autonomous driving functions.

Learn more about five of the latest automotive technologies connected by reading the source article bankrate.com.

Insurance professionals daily, Rock Stars by Night

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Insurance professionals daily, Rock Stars by Night -

They work hard, play hard and hard rock.

The seven members above all in volume, corporate rock band from Erie Insurance, everything about it. The band, whose name was inspired by the slogan of the company Above All-in Service℠ recently won the competition in regional semifinals for the estimated output Nashville / In. They will join seven other finalists to participate the Rock and Roll hall of Fame in September in hopes of being named top corporate group in the nation. The contest is sponsored by Inc. magazine and enjoys Hall Rock and Roll of Fame and Museum.

Learn more about the group and their recent success in an article of Erie Times-News .

For Voice Systems :? A positive development or other Distraction

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For Voice Systems :? A positive development or other Distraction -
Car voice systems are becoming more common in vehicles.

In a perfect world, every driver would avoid all distractions while driving. Yet the reality is that many Americans continue to use their phones and more behind the wheel.

In an effort to reduce the dangers posed and to offer customers an attractive new feature of the technology, car manufacturers are increasingly including car audio system in the new models. These systems allow drivers use voice commands to operate their smartphones and infotainment systems in their cars.

It seems like a victory for road safety, right? From a point of view, it is. The Insurance Institute for Highway Safety (IIHS) recently measured how long the eyes of the drivers were off the road when using voice drive systems instead of manually operating their devices.

The results did show that car voice systems help drivers keep their eyes on the road. But they hardly eliminated the problem. And things vary considerably depending on the particular system of a car.

eyes "Drivers were off the road during telephone calls over the car audio system from three to 14 seconds. In addition, the average total number of drivers seconds eyes off the road when entering an address was even longer.

The IIHS research shows that car audio system are hardly a solution to the issue of distracted driving. And it raises questions about whether vehicles should even include technology that keeps us constantly connected behind the wheel. See where you stand reading the source article iihs.org.

811: the number to call before digging

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811: the number to call before digging -
number to call before digging

Whether you are planning a DIY home-improvement project or hiring a contractor, he there is a number to call before digging in your yard.

I do not know the number to call before digging? It would be easy 811. The call will get your underground utility lines marked and your project a safe departure.

Public services such as cable TV, telephone, electricity, gas, water and sewer are often buried underground. Unintentionally striking one of these lines could cause power outages for entire neighborhoods, harm to yourself or someone else, and repair costs.

The free national number mandated by the federal government to call before you dig aims to make the process easier. Instead of searching phone numbers for all local utility companies, you just need to call 811.

Wondering about the number to call before digging? Then read on.

Does each project requires digging a call?

Yes. Whether to put a mailbox in the soil, fencing, planting trees, building a patio or deck, or excavating a new garden area, the officials say you should call 811.

what is the process?

you must dial 811 days before you plan to start your digging project. When you do, a representative will collect your information and inform local utility companies of your intent to dig.

Once you make the call, a professional will visit the dig site to mark the approximate location of all underground utility lines with spray paint or flags. The paintings of utility services or flags colors are:

  • Red Power
  • Orange Communications, Telephone / CATV
  • Blue water
  • green Sewer / Drainage
  • yellow gas / pipeline oil
  • Violet the recovered water
  • White site intended excavation

How long will it take

most of the crews arrive to mark your property within days. Be sure to check the center of a yourstate call for more detailed information. Each state has rules and regulations on digging.

The crew will ensure that you know exactly where (and where not) to dig. The depths of utility lines may vary, and there may be several utility lines in the same area. Once your site is marked, it is safe to start digging outside the identified areas.

If you dig as part of a project to improve the house, you will also need to call yourinsurance agent. A home improvement project could increase the value of your home, so you'll want to make sure you have the right amount of coverage.

Infographic: affordable life insurance more common than most people think

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Infographic: affordable life insurance more common than most people think -

Whether someone saving for retirement, one parent stays at home or a co-signer on a student loan, you may have a need for life insurance.

Yet you may feel restrained by the cost of purchasing a life insurance policy. The good news:. Life insurance probably costs a lot less than you think

See the infographic below to learn about the true cost of life insurance. To learn more about affordable life insurance options and to obtain a quote, contact an insurance professional as an Erie Insurance agent.

Join ERIE Roar on the Shore -

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Join ERIE Roar on the Shore - -
roar on the shore

If you Aore a biker there, AOS is a good chance you, Aore happy to attend at least one bike rally this summer.

one of the most popular is around Roar on the shore, a bike fest Erie Insurance, AOS hometown of Erie, Pennsylvania, from July 15-19.

Over 100,000 riders come to Erie to enjoy live music (including headliners L.A. Guns, Jackyl, April Wine and Dokken), dances and organized walks. The most famous route is Bringin, AO in the Roar Thursday. This year it will be led by Grand Marshal Jesse James Dupree, a television personality, businessman and singer and guitarist of Jackyl.

The event raises money for good causes. This year the proceeds of the event benefit Erie Homes for Children and Adults, AO Project First Step. This program helps pregnant women with disabilities, women at risk of delivering a baby with disabilities, families with a child with special needs and parents who lack adequate parenting skills.

Erie Insurance is proud to be the sponsor of the Bringin, ÃO in the Roar parade and photography in this event. You can view photos of the event roarontheshore.com.

REA is also proud to offer better coverage for motorcycles. If you need coverage for your trip, talk to an Erie Insurance agent for more info and a free quote.

Kicking Off The Summer of No Regrets Road Trip to Cincinnati (VIDEO)

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Kicking Off The Summer of No Regrets Road Trip to Cincinnati (VIDEO) -

Check the oil, take snacks and take road with Erie Insurance in "the Summer of No Regrets road Trip," kick in "Queen City" of Ohio - Cincinnati

We will explore eight states and 13 cities across the footprint ERIE to showcase local attractions, Erie programs and events not to be missed sponsored - and we hope you will learn a thing or two along the way. Thank you to our friend and yours Chris Laxamana to take the wheel.

In this video we cover things not to miss to check (such as tires) and things to pack (beef jerky, anyone?) Before you start the car and hit the road. In the meantime, to learn more about how to plan a road trip, and do not forget to pack an emergency kit for your car.

Next stop: Columbus, Ohio. See you on the road!

How to manage Roommate Theft

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How to manage Roommate Theft -
roommate theft

College students - and many 20-somethings - are often left with a roommate or two. While splitting bills and to have a friend of fun exchanging clothes with can be great, it can also be difficult if this $ 20 bill on top of your dresser is missing. Or iPod you put on your bed after a race has mysteriously disappeared. You know you left there.

Unfortunately, it is possible to end up with a thief for a roommate. Roommate flight can be difficult if there is no clear evidence or if your roommate is a friend.

What if you theft suspect roommate

If you think your roommate is stealing from you, here are some steps you can take:

  • mention the disappearance. If you think your roommate is stealing from you by any chance mention that you noticed an item was missing. Then ask if they saw it. Regardless of their response, they are now aware that you know he misses.
  • file a police report. If the missing elements or was expensive, you should definitely file a police report. This also shows that you have taken reasonable steps to recover your property.
  • calmly confront your roommate once you have evidence. Try to have a discreet conversation when you are upset or stressed. You'll be able to keep a clear head and proceed with caution while giving them a chance to be honest. Just know that they can still deny it, even if you present the evidence.

Unfortunately, it is possible that you will not get your property back, even after taking these measures. If nothing works to convince your roommate light fingers, get a lock for your door if you have your own room, buy a safe to keep some of your more expensive items or move.

Preventing theft roommate

Fortunately, there are things you can do to prevent roommate theft in the first place. They include:

  • Burn high value items engraving your initials or a personal message on your electronics or other more expensive items may make it harder for a thief to sell articles. This can deter a thief. It also makes it easier for items to be returned.
  • You have a proof of purchase. Keep receipts and / or credit card statements from purchases that were particularly costly. Product numbers may be used to check the property there is a dispute.
  • Investing in a safe. They provide safe storage of cash, credit cards, jewelry and more.
  • Leave valuables at home from your parents if you can. your roomie can not steal what is not there.
your parents or guardians homeowners insurance or your own renters insurance policy can reimburse you any stolen items. Talking with a professional insurance as an Erie Insurance agent understand your coverage options and how they work.

ERIE named among the 50 most Trustworthy American financial companies for the second consecutive year

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ERIE named among the 50 most Trustworthy American financial companies for the second consecutive year -

Erie Insurance has done it again.

For the second year in a row, ERIE topped the list of mid-cap companies on the ranking of Forbes Magazine 50 Most Trustworthy US financial firms . The good news comes as REA celebrates 0 years of being foremost in Service℠.

"Our customers - and all consumers - want to know that their insurance company will be sensitive to their needs and financially strong enough to pay their claims," ​​said Terry Cavanaugh, President and CEO of Erie Insurance. "Being named to this list shows our customers that they can count on us when we need it most."

_____________________________________________________________________________________

The list is based on the behavior of accounting and governance collected through research MSCI ESG. over 700 north American companies listed were evaluated on factors including high risk events, income and methods of recognition of expenses, actions by the SEC and the risk of bankruptcy.

generational diversity in the workplace today

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generational diversity in the workplace today -
generational diversity

Did you know that Millennials (generally defined as those born between the early 1980s to early 00) will soon exceed the baby boomers and generation X as the greatest generation of the workforce?

with five side-by-side working generations now, there are more generational diversity in the workplace than ever before. While this may require new ways of understanding and perspective, it also presents exciting opportunities to share different points of view and develop.

generational diversity Erie Insurance

Joe and Peter Hohman are a father-son team working in the Actuarial Division at Erie Insurance. They commute to work together. Their taste in pop culture is eerily similar, especially with regard to comics and music. They share a love of mathematics and reruns "Frasier." But there are major differences between the Baby Boomer father and his son millennium.

"Peter is smarter and can generally stay focused on something more than me," Joe said. "It is also a better drummer than I am, but I'm a much better guitarist."

Peter's response was more aesthetic.

"I have the hair, but not Underwriter Chartered Property Casualty (CPCU) designation, as my father has a CPCU designation, but no hair, "quips Peter.

Joe has been with ERIE for 22 years. Before ERIE, he taught at a university, worked as a statistician plumbing and sold, electric and heating. Peter started with ERIE in June shortly after graduation. While he briefly considered going to grad school or look for another job, he accepted a full time position after his second internship with ERIE.

Here are some other interesting details about the father-son duo.

Joe: My title may be Associate Actuary but I'm more commonly known

["theactuaryMarylandandDC" Peter: My job title may be Actuarial Analyst I, but I'm more commonly known Peter Hohman

In work one day

Joe: I'm working on the price for the Auto touring Car Roof Erie Home and secure. (I am also responsible for the price Boat and Inland Marine.)

Peter :. I use a ton of data on historical losses to determine the appropriate rate for commercial insurance, particularly in Wisconsin and Illinois

How my role connects to ERIE the strategy

Joe: price is a fine balancing act between ensuring that the premiums are adequate enough to be profitable and low enough to be competitive

Peter :. Strategy ERIE is to sell insurance, and I guess you can not sell something that is priceless. To be fair, much of the actual pricing (especially in commercial lines) is done by good people to subscribe, but my work provides a kind of foundation for potential points of insurance prices.

My path is like ...

Joe: A gradual curve upward sloping without discontinuity points. (I went in much the same role for the past 22 years.)

Peter: A scatterplot with a Pearson coefficient of about 0.67 - there has a decent linear trend line that represents my ideal path, but there are many future points that differ significantly from the trendline unexpectedly. In fact, I can not even be fully confident that online is the best way to explain the data, as I'm not sure my ideal course will be the best way to deal with the inevitable surprises I encounter in my career. (Re-read it, I realize that I went with a literal visual explanation of what my path "looks" and failed to give an overview of my past positions and future goals as a reasonable person. Sorry for that!)

[turning Career (s)

Joe: When I was a freshman in college, I apparently helped a adult student with a part of his duties calculation. I say "apparently" because I do not remember; but adult student turned out to be Sharon Cooper, who a few years later decided to recruit me and was my first supervisor. Moral of the story: try to be nice to everybody because you never know when your paths may cross again

Peter :. Becoming disillusioned with academia in my sixth semester of the university and therefore the choice to enter the job market after graduation instead of pursuing a graduate degree

where I see ERIE five years

Joe :. I think the costs of loss (and the associated premium) private passenger automobile will come WAY down with the advent of self-driving cars. Also, I have a feeling that the novelty of shopping for insurance online will wear off, because the public will realize that they need the expertise provided by an insurance agent. ERIE partnership with its independent force will continue to pay big dividends

Peter :. Always in Erie, Pennsylvania

Dream project [

Joe: I had several transversal projects that I really enjoyed. One was a project of reimbursement for the North Carolina owners; Another was the development of Top 30 Agency indicates that we use in our input meetings; The most recent study was a fraud I had the privilege of working on

Peter :. Find a way to incorporate all of my university knowledge interstellar radiative transfer processes in the new Wisconsin factors territory. Hey, I can dream, I can not

What I wanted to do when I grew up

Joe:. A teacher

Peter: An astrophysicist specializing in cosmology.

What is currently stuck in my head

Joe: "Nerve Meter" by The Hipsters (my first band I played my first show in 34 years with them recently in Pittsburgh)

Peter: .. "Crazy Mixed-Up Kid" by The Smithereens

The best advice I never received

Joe: when I was training to be a teacher, I asked a friend of my teachers when it would be appropriate to use the sarcastic humor in front of a class. His opinion was that this was never the case, because no matter how obvious your sarcasm may seem to you, someone always take the wrong way

Peter :. I remember volunteering in a kind of food bank once a man I was doing there serve told me: "It is important to give a part of yourself to others, because if you do not do it, then you do not really have anything worthwhile in the first place. "I can t claim to have followed his advice terribly well in the intervening years, but it was a kind of cosmic time and a great piece of advice .

recent madness

Joe: A new lawnmower (Woo hoo!)

Peter. a bass guitar Rickenbacker

Favourite film show or television

Joe: film - "It's a wonderful life."; TV show - "Twilight Zone" and

Peter: film - is "Spider-Man 2" or "01: A Space Odyssey," "Frasier";. TV show - "Rick and Morty."

Hero (es)

Joe: Abraham Lincoln, Tecumseh, and (as artists, not necessarily people) The Beatles

Peter: .. Each individual Beatle, Grant Morrison, Brian May and Leonhard Euler

to learn about career opportunities in ERIE, visit the Careers section Erie Insurance on erieinsurance.com. You can also learn more about career opportunities at ERIE following page Careers Erie Insurance Group on LinkedIn.



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