Archive

Archive for September, 2018

Winterize Your Summer Toys

Winterize Your Summer Toys

 

Fall is upon us and its time to put away our summer toys & tools in preparation for winter. Today’s tips come from an article found on CabinLife.com which shares tips regarding watercraft, summer tools, & camper/travel trailers. We highly recommend checking out the full article for more tips!

Watercraft

– Use “Engine Tuner” when storing two-stroke engines. This will break down carbon deposits on the pistons/rings/cylinder heads.

– “Fogging” your engine will help to extend the life of it during winter storage. Follow the directions on the fogging oil/spray to ensure it has been done properly.

– Take care of any repairs before storage. Making sure the watercraft is in good running condition before storage will make taking it out the following spring easier.

– For non-motorized watercraft, make sure all water is drained & add a coat of wax/protectant to the hull to protect it during storage.

Lawn Tools

– Prepare engines for storage by following the owner’s manual.

– Make any necessary repairs before storing to avoid frustration in the spring when you use the tool again.

– Cover with a coat of wax/protectant or seal the item properly for storage.

– Sharpen blades & lubricate hinges/pivot points before storing tools.

 

Trailers

– Prepare trailers for storage via the owner’s manual

– Make any repairs before storage to avoid issues with next use.

– If possible, put trailer on jacks to avoid flat tires or store tires/rims separately.

 

Again, check out the article on CabinLife.com for more tips on winterizing your summer toys & tools!

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

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Divorce & Insurance

Divorce & Insurance

 

Every 36 seconds a couple gets divorced with the average length of union being 8 years. Oftentimes it is one spouse that handles the financial aspects of the relationship while the other is left in the dark or with a VERY rudimentary understanding of the couple’s financial position. This can often be devastating when left to figure out their own financial picture after a divorce. This article from insure.com shares some important aspects of insurance when it comes to separating from your spouse and not knowing what to do.

– Health Insurance should be priority one in a separation/divorce. Many times it is one spouse that has coverage that covers the household and when a divorce occurs the other spouse is left without coverage. Divorce is a “trigger event” according to ACA guidelines, so you need to speak with someone at healthcare.gov about securing your own policy within 60 days. Don’t wait until the divorce is final or when your current coverage ends before looking to replace coverage.

– Auto Insurance is next on the list of priorities when it comes to insurance. DO NOT TRUST your former partner when they tell you they will keep you and your vehicle on their policy unless you have it in the divorce decree. Too many times ex-spouses have messed over people by canceling their coverage, having to be placed in a high-risk carrier for not having current insurance coverage.

– Home Insurance is important and again, make sure the divorce decree stipulates that you remain on the policy until your interest is paid off. If you’re a renter, contact a local independent insurance agent for coverage.

– Life Insurance is something divorced couples tend to forget about. Change the beneficiaries on your life insurance policies if the ex-spouse is listed.

Above all, even without a divorce – make sure that both partners have a basic understanding of the couple’s financial & insurance standing so in case of a separation/divorce they will at least have a starting point. Having a hometown, local independent agent can be invaluable when it cones to untangling your financial/insurance lives after a divorce.

Here’s an article from Credit.com with financial tips when it comes to separation/divorce and another from TheWeek with tips for men dealing with divorce.

 

 

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

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Moving Tips

Moving Tips

 

Millions of Americans move every year. Whether they move across town or across the country, it can get harried and stressful. This week’s tips come from a Lifehack article of 20 tips to make your move easy as pie…

– Find free moving boxes. Grocery stores, Craigslist, even your local Facebook yard sale-type trading groups may have boxes suitable for moving. Make sure to reinforce the taped seams for additional structural support.

– Purge as you go. While boxing up your belongings, ask yourself where in the new home the item will fit or the last time you used said-item. The best way is to have a keep box, a donate box, and a box/bag for trash. Moving is one way to declutter your life.

– Take pictures of your electronics and other items. Taking photos of your electronics and other items before you disassemble them for packing will cut down on the frustration when it comes to reassembling those items in the new home. Wind cords and label accordingly so you know what they are for.

– Pack a “first night” box or bag. This will contain your toiletries, clothing, & any other items you may need for your first night in your new home. Much better than rummaging through 50 boxes trying to find the Keurig in the morning.

– One room to a box. Pack up one room and ONLY one room at a time. This way when you bring in a box labeled “Kitchen”, you know the items belong in the kitchen.

 

Be sure to read the rest of the article at Lifehack for additional tips to make your move easy as pie…

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

 

 

Categories: Uncategorized