All post

Video: How To Prevent Auto Theft

10:30 AM Add Comment
Video: How To Prevent Auto Theft -

Did you know that reports the National Highway Traffic Safety Administration that the most common months for auto theft are July and August? And that only 52 percent of stolen vehicles are ever recovered?

These statistics underscore the need to learn a few prevention tips. Fortunately, there are several simple things you can do with regard to how to prevent auto theft. (It, AOS estimated 40 to 50 percent of all vehicle thefts are due to driving errors like leaving the keys in an open car.)

Watch the video above to learn more On the question. Also check out these tips:

  • Always take your keys with you Never let them in or on your vehicle
  • Close and lock all .. doors and windows when you park.
  • park in well lit areas. If possible, park in a garage.
  • Never leave valuables in your vehicle. If you must leave them in your car, put away somewhere out of sight as your trunk or glove box.
  • Never leave the area while your vehicle is running.
  • consider getting a VIN etching. a VIN is a unique code used by the automotive industry to identify your vehicle. A permanent etching the VIN on glass windows and windshields, it is more difficult for thieves to steal and sell your car (or its parts). An engraving is simple, fast and safe, Äìand he won, AOT ruin the look of your car.

Also keep in mind that thieves want more than your car.They want something sells, and that can be just about anything or attached to your car. Some of the pieces or the most popular items are the engines, transmissions, air bags, radios, GPS devices, iPods, laptops and handbags.

The anti-theft devices and systems

You can add another layer of protection by investing in an anti-theft system or device. They can make your car harder to steal, Äìand, in case of theft, making it easier to trace and recover. Here are a few types to consider:

  • audible and visible devices: The sound devices discourage theft by its emission (like a horn alarm) when someone tries to enter your vehicle. visible devices display a visual warning to a potential thief as burglar decals, lights flashing and window etchings
  • Immobilization type devices :. immobilizing type devices are electronic devices that prevent thieves from around your vehicle, AOS ignition and hot-wiring the vehicle. Some electronics integrated computer chip in the ignition key while others turn off the flow of electricity or fuel engine
  • vehicle recovery systems :. Some car manufacturers are devices that use electronic transmission technology installed that help retrieve your car in it, aos stolen events.

Remember that the damage covered in option on your car can help if your car is ever stolen. For more information about this, contact a local agent Erie Insurance in your community.

DIY or hire a pro? Six questions

9:29 PM Add Comment
DIY or hire a pro? Six questions -

Who has not watched a home improvement show, and later decided to fight against their own project? TV personalities make it look so easy and often fun.

Unfortunately, things are not always so easy or fun in the real world. Also, if you have problems, you might end up spending more than if you had hired a contractor in the first place.

So what should you decide yourself or hire a pro? Start by answering these six questions honestly. Your answers should give you a good idea of ​​your best course of action.

    1. Do I know what I do and will I enjoy it for the most part? This may be the most crucial issues. If you are not 100 percent sure that you have the ability to remove a project, consider calling a professional. This applies even if the work involves something dangerous, such as electricity or natural gas lines. Also think twice about fighting against all projects, while plumbing they are usually not dangerous, one wrong move could cause a costly leak.

    It is not enough to simply know how to do the job. You also need at least a little. If you dread doing a project, there is a good chance that you drag your feet or do not.

    2. Do I have the right tools? If your project requires tools that you do not, you can borrow them for free? Or do you need to buy them? People often forget how specialized tools can add to the cost of a project.

    3. How long a DIY project really take? It is a good idea to calculate how long it will take to complete the project. Think about how many hours per week you will work on the project and divide by total time estimate. You might think twice about a DIY approach when you learn that the real time commitment is.

    4. Does the project require compliance with all building codes? Are you aware of building codes in your area and authorization process? If so, are you sure you can complete your project in a manner consistent with them? If not, consider hiring a pro. Violate building codes can result in fines. It can also devalue your home in the long term.

    5. Do I need extra help? Think about whether you need a hand with your project. If so, do you know someone who can help? Then consider how much additional labor cost added add to the total cost of the project.

    6. Do I get a quote from a contractor or two? This might seem like a silly idea if you know you can do it yourself project. But sometimes a contractor can come at or below your estimate. This is because they already have all the tools to do the job. They can usually buy supplies at reduced prices.

    Sometimes a DIY mix and outsourcing is the best option. You can save a lot by doing any preliminary demolition or cleaning work yourself.

Whether you DIY or hire a pro, it is important to remember to report any home improvements or additions to your Erie insurance agent. He or she can make sure that you limit the right of your home insurance so that you can rebuild in case of total loss.

Consider life insurance for loans to students

8:28 PM Add Comment
Consider life insurance for loans to students -
graduation cap with money

Seven of 10 students graduated with debt in 2012. For those loans, charge the average debt was $ 29,400. Meanwhile, many other students had loans that reached high into the six figures.

These figures are worrying for recent graduates. They can also be annoying to those who co-signs on a student loan. If the unthinkable happens, the student or graduate who took out the loan dies before it is paid out of the co-signer is responsible for the debt

This is especially true for private loans. While many federal student loans allow co-signers of the borrower complete paperwork them and the estate of the release of debt, many private student loans do not. Moreover, in community property states like Wisconsin, surviving spouses are often held responsible for the outstanding loans of a deceased spouse.

Without adequate protection, the pain of losing a loved one could be intensified by the financial burden of paying for a dream that ended too soon.

to get an idea of ​​what it could mean for you and your family, read stories from real life of some families faced with this unfortunate and costly situation.

life insurance for student loans

a financial hardship will only make the devastation of losing a loved one much more stressful and difficult. That's why life insurance for student loans is something signatories should consider. A life insurance policy can provide the funds needed to eliminate or reduce student loan debt if the student or graduate dies before the debt is satisfied.

life of a typical term life insurance that provides coverage for a number of years is a good choice. Term life is typically the most affordable option. (At Erie Insurance, rates can be as low as $ 11 / month. *) Once in place, the affordable rates will not increase during the plan you choose. Young adults can lock their life insurance rates for as long as 30 years.

There are other advantages to a long-term life policy. For starters, it guarantees the insurability of the young adult in the future. This means he or she can be guaranteed coverage by converting the long-term policy to a permanent policy later in life - even if a health condition that normally prevents the cover develops later. **

A policy of permanent life allows young cash savings accumulate adults throughout his life. In addition, the new premium can be guaranteed for life.

For more information on the protection and peace of life insurance of mind for student loans can offer, talk to a local Erie Insurance agent. He or she can explain some affordable long-term living options Erie Family Life. Some do not even need a physical exam. ***

* rate reflects the best class available for subscription and is subject to underwriting approval. Rounded to the nearest whole dollar.
** The long-term policy and the conversion privilege shall be in force at the time of conversion. Subject to the age and plan limitations.
*** May need to answer health-related questions.

Video: School Bus Safety

7:27 PM Add Comment
Video: School Bus Safety -

school starts in a few days. When it does, more than half of America's students will board a school bus to get to the first day of class. In addition to the financial and environmental benefits, a school bus is the safest way to transport children to school.

Even still, it is useful to review some safety tips for school bus with your children. You are probably already aware of the precautions like standing a few steps away from the curb. But do you know where the blind spot of the bus driver is? Or what kind of clothes are best for children who regularly on school buses?

Watch the video above for answers to these questions and more.

Video: life insurance NFL Great Boomer Esiason Lesson

6:26 PM Add Comment
Video: life insurance NFL Great Boomer Esiason Lesson -

Imagine this scenario: Two teenagers and a 7 year old suddenly a single parent when their mother dies of cancer. Their father is doing the best he can. Yet three hours round trip to work, it is difficult to be there as much as he wants to be there for his children

And the fight is not only one time. The children's mother was no life insurance. This means that there is no money available to pay the extra help necessary to take care of all the responsibilities and duties that once handled. (Both employees and stay at home parents are among the most likely to miss life insurance groups.)

For Boomer Esiason, a former NFL MVP quarterback and now a diffuser radio and television veteran, this scenario was too real. He was 7 years old who saw his father, Norman, struggle to manage the dual responsibility of being the only parent and breadwinner. "They gave me a life lesson early," Boomer said. "It was not the easiest life. - My father sacrificed a lot "

Unfortunately, the Boomer circumstances are too real for many other households in which a key supplier of the family died with little or no life insurance's. statistics show that only 44 percent of households have individual life insurance. This, combined with a reduction in the number of consumers with group insurance, leaving about a third of people without insurance at all. And a third of those who have insurance -life do not think they have enough

which group do you belong :. the uninsured, under-insured or the group lucky enough insurance to provide those who would be left behind ? If you are not sure, then the life insurance awareness Month September is a great time to evaluate your life insurance.

Watch Boomer video above to learn more about his personal history. If you think you may need life insurance (or think you do not have enough) to protect your family, contact an insurance professional as an Erie Insurance agent. He or she can help you find affordable coverage that gives you protection and peace of mind.

A world without auto deaths?

5:25 PM Add Comment
A world without auto deaths? -

While automotive safety technologies have improved over the decades, auto fatalities have declined.

Experts predict that it may be possible to reach a point in the future where there No automobile deaths. The Insurance Institute for Highway Safety will soon publish a report showing that no automobile deaths occurred in a record number of vehicles over a period of three years.

Why so sure?

of cars have a range of high-tech security options today. Unlike older technologies that have mitigated the effects of being in an accident, new technologies actually help prevent accidents in the first place. Some of the most promising technologies include:

  • Tire pressure monitoring
  • Lane Departure Warning Systems
  • Adaptive headlights that adjust the light depending on conditions
  • cameras Rearview
  • reverse backup sensors that beep when you're about to hit something
  • sideview assist that helps you monitor your blind spot
  • parking assist which helps you to park safely in confined spaces
  • autonomous braking which makes your car stop if you do not follow a warning
  • Forward collision avoidance alerts you when you get too close to something in front of you

Thanks to the widespread adoption of the latest security technologies, some smaller modestly priced options like the Honda Fit receive very high safety ratings.

Even still, we are far from eliminate accidents just yet. So make sure to practice sound safety practices like avoiding distracted driving. Also make sure that you have auto insurance to cover damage to your vehicle.

Learn more about this by reading the article from source to msn.com

Why Life Insurance Makes Sense for Millennials

4:24 PM Add Comment
Why Life Insurance Makes Sense for Millennials -

Much has been written about how Millennials today (generally defined as anyone born between 1980 and 1995) put off buying their first home, get married and start a family.

Another thing you can add to this list is to buy life insurance. The search for life insurance and the Association of Market Research (LIMRA) shows that while Millennials are concerned about their financial security, very few have enough (or any) life insurance.

Why Millennials are not fooled life insurance

Millennials cited "cost" as the main reason they do not buy life insurance. Many perceive life insurance to be more expensive than it really is. Millennials believe that life insurance policy of $ 250,000 level term for a healthy 30-year-old is $ 1,000. In reality, it is more along the lines of $ 150 almost 10 times less than what they imagine.

The effects of the Great Recession does Millennials less likely to pay for a life insurance policy. And that's unfortunate because there are many advantages to buying coverage when you're young.

6 benefits of life insurance for children of the millennium

Life happens, a nonprofit organization dedicated to helping consumers make smart insurance decisions, has identified these advantages to taking a political as a young adult.


1. a way to provide for all dependents. Dependents include children often but not always. A dependent is someone who relies on your income to make ends meet. This could include a spouse, / live-in boyfriend girlfriend with whom you are a home owner, a parent with special needs or a loved one whose long-term care, you help (or intend to contribute at). Keep in mind that even stay at home parents often have a need for life insurance.

2. Lower costs. life insurance premiums are risk calculations based on mortality. Since the average life expectancy is around 79 years, there is less risk for a company to ensure a healthy millennium. Coverage can usually be obtained for pennies on the dollar.

3. insurability. Qualification for coverage as a healthy millennium is usually much easier and less expensive than the application after you have been diagnosed with a health problem. Do not wait :. A health problem may arise overnight and qualify for a life insurance policy can be a very different experience once you have been diagnosed

4. A vehicle to maximize your savings . If you still have a reason to dig into your savings, consider a permanent life insurance policy that has a death benefit and a savings component as well. You can borrow against it and using it in retirement, according to the policy and the company behind it.

5. A supplement to your insurance-backed company. Millennials who are lucky enough to have a good paying job with excellent benefits can benefit from life insurance through their company. While this provides some peace of mind, consider purchasing other, independent coverage. If you become ill and are no longer able to work, work your policy will not cover you. If you have been diagnosed with a terminal illness, you may not be able to get a life insurance policy at the time. Moreover, most basic coverage does not cover everything your family needs at a time when they are struggling to support themselves.

6. One way to cover funeral expenses and debt. Although nobody depends on your income, you must consider your debts and funeral expenses. The only way funeral costs between $ 10,000 and $ 15,000. Some debts would be removed while others would be collected by whatever assets you have left behind.

Also if your parents co-sign on your loan (s) student. If so, are they able to manage expenses as college loans or will it create financial difficulties for them? Millennials want to decide what amount of coverage they need to pay for funeral expenses and debts recoverable when deciding on the amount of the insurance coverage they want. Erie Insurance at affordable policies with coverage up to $ 0,000 that require no medical exam. *

If you are interested in learning more about life insurance, it is best to talk with a professional such as an Erie Insurance agent in your community. He or she can tell you affordable options that give you the right protection and peace of mind.

* The application may require answering questions on medical conditions.

Subscribe to: Posts (Atom)