Thursday, December 27, 2012

Get To Know Your Policy Before It's Too Late!


Winter Storms Ahead: Are You Ready?

We admit it: As insurance pros, our picture of winter isn’t exactly cozy. Winter storms mean traffic snarls, hillsides turning to sheets of ice, and cars sliding around like hockey pucks. Cold temperatures can cause pipes to burst, frost swells and other damage. Heating your home with fireplaces and holiday lighting can increase the risk of fire.

A picture-perfect winter requires a few precautions...

Here are a few of our top tips to help reduce weather-related hassles this winter:

Winter-proof your car with good snow tires or chains, new wiper blades, antifreeze, and emergency road supplies.

Keep your attic cool to help prevent ice dams. Insulate the attic floor and make sure it is well-ventilated.

Do not overload circuits with holiday decorations.

When winter storms hit, be smart...

If you do not have to drive, stay put. If you must drive, make sure you’ve winterized your car and have a full tank of gas.

When the air is cold, keep bath and kitchen cabinet doors open so warm air can circulate around pipes. If pipes do freeze, let them thaw normally—they’ll be less likely to burst.

And if the power is out, make sure you avoid leaving candles or fires burning unattended. If you use a portable generator, follow the instructions and do not use it indoors.

Know what your insurance covers...

We want to help you rest easy.  You will be more relaxed when you know you have prepared your property to lessen the chance of winter storm damage. Your insurance policy covers repair or rebuilding costs. However, your deductible does apply. Check your policy to see what is covered and to confirm the deductible you have chosen.

If you have any questions at all about your coverage, contact Modern Insurance Marketing, Inc. at www.moderninsurance.com or 1-800-762-4646 and we will help you review your options.


Tuesday, December 18, 2012

Traveling with your Furry Friends







Make sure your pets travel well for the holidays


The holiday season is here and that means it’s time to eat good food and join together with loved ones. For many who have families far away, this is also the time to pack up and get out of town. 

If you are gearing up to travel and have pets at home, you’re probably considering their holiday options, perhaps a dog sitter, cat spa or kennel. If you just can’t bear leaving your frisky friends behind, you’re in luck! With the following tips, you and your cuddly companions can be on your way — via car, plane or train - in safety and comfort. 

  • Pre-travel honesty. Before you consider making Fido your backseat driver or your wingman, consider whether he will feel safer en route or at home. Some pets simply don’t like to travel, while others are more versatile. 
  • Hit the rails. If you’re traveling by train, plan ahead. Make sure pets are allowed on the train and find out what rules apply. Also, ensure your pet can stay with you in the passenger compartment, versus needing to be placed in cargo. 
  • Comfort your four-legged friends in flight. Before you book your flight, make sure the air carrier allows pets in the cabin or if they need to ride in cargo. Research weight requirements ahead of time, and check the airline’s website for additional regulations. 
  • Pack their bags with care. Pack a travel bag for your pet, just as you do for yourself and your family. Consider items like food bowls, leashes, treats and favorite toys, as well as immunization records and identification tags. 
  • Put the pedal to the metal. If you have a choice, travel by car. This way you can stop as frequently as necessary for potty stops and feedings. 
  • Avoid accidents. Regardless of your mode of travel, be cognizant of the duration of your journey. Gauge how much your pet eats and drinks according to the length of the trip. If you’re traveling by train, find out in advance if there are stops when you and your pet can get out and get relief.

At Modern Insurance Marketing Inc, we hope you and your pets have a comfortable, safe journey wherever you travel for the holidays.  


All the best to you and your families this season!




Friday, December 14, 2012

10 Effective Ways to De-stress During The Holidays

The most wonderful time of the year, huh? 

So why do the holidays sometimes feel like a month-long panic attack? 




This can be a time for joy and celebration but it can also be a time when people experience sadness, anxiety, stress and exhaustion. Here are 10 ways to stay healthy this holiday season:

1. With the exception of one night a week, stick to the same sleep schedule. Don’t try to make up for lost sleep by sleeping late. Instead, try to nap once or twice during the day for 15 minutes. Drink lots of water or other vitamin-infused drinks. Use cold compresses on your eyes to decrease swelling and increase brightness.

2. Set a limit for gift giving and stick to it. Use cash as much as you can. This can be very difficult as you may feel pressure to buy a number of gifts for people you love and popular gifts for children as well as include colleagues and neighbors. Look for inexpensive gifts to acknowledge the person (gift cards to a local coffee shop, gift certificates for manicures and pedicures or freshly ground coffee with a cute mug or travel cup). Use cash or debit cards as much as possible. One surefire way to increase holiday stress is to face credit card debt on Jan. 2. Instead, be practical and express love and goodwill as an accompaniment to a small gift.

3. Stick to a regular exercise schedule. If you don’t exercise, add two days a week of brisk walking outside for at least 20 minutes. Exercise is one of the best ways to decrease stress. If you have a regular schedule already, do everything you can to preserve your workout time. If not, at a minimum, take a few walks per week. Being outside is key, so as a long as weather permits, get some fresh air.

4. Take five minutes a day to sit on a chair, close your eyes and take several deep breaths. If the idea of meditation completely freaks you out and you think you don’t have the attention span to sit still, limit yourself to 10 deep breaths with eyes closed. There are many benefits of deep breathing, not the least of which is decreased stress and blood pressure and an increase of healthy hormones (and a decrease in cortisol, related to stress).

5. Put aside old grudges with family members and drop expectations for them to change old habits. Rather than going home, ready to take up the same fight and frustrations with family members, spend time with family accepting them as they are. You’ll have less stress, as will they, and maybe you’ll find a new middle ground on which to relate.

6. Resist the urge to attend every holiday celebration. Rather than set yourself up to be grumpy, tired and short on cash from buying multiple hostess gifts, pick one or two parties but no more. Politely decline but do it early and do it. Resist the urge to cancel at the last minute.

7. Eat as much fresh, unprocessed food as possible. Have a lot of clear-based, hot soups, salads and vegetables. I recently read that one of the best ways to increase your immunity during the winter is to refrain from eating cold foods. Along those lines, stay healthy by eating as much fresh food as you can. Good choices are sushi, Thai and Chinese where you can order steamed vegetables and hot, clear soups. Other ideas are roasted winter vegetables and grilled fish.

8. Before bed each night, do a yoga pose called “Legs up the Wall.” After pushing your hips to the bottom of a wall, lie on your bed and lift your legs up the wall. Lean them against the wall for support. The legs can be slightly bent and you can cover your eyes with a towel. This pose restores the body by flushing the feet and legs of blood, lactic acid and other by-products of standing on the feet all day (or shopping!).

9. Ask for help. We all like to be able to get everything done this time of year, but one of the most powerful things to do is admit we need help. Ask your loved one to cook you dinner or get take-out one night. Hire a babysitter or a personal errand assistant to outsource some of your holiday chores. Use the extra time to do something healthy for yourself.

10. Let yourself be sad if those feelings arise. This time of year can bring up many memories of happy times as well as sadness and loss. Instead of acting as if everything is fine and stuffing these feelings deep inside, let them out. Talk to your family about how you’re feeling. Exercise and invest in massage, meditation and restorative yoga classes to express your emotions. Let yourself cry if it comes up. Only through releasing these feelings will you be able to move forward in a healthy way

The best way to dodge holiday stress: Take a time-out. A break from the hubbub re-energizes and refocuses you, making you able to avoid holiday stress (or at least handle it better). Plus, it doesn’t take much time. Whether you have 15 minutes or just one, catch a break that will restore your sanity and your ability to savor the season.






Happy Holidays from Modern Insurance Marketing, Inc!
 

Let it snow, let it snow, let it snow!


Tips to stay safe during snowmobile season


If you live or vacation where the weather gets cold and the snow starts falling, some people are content to cozy up next to the fire with a good book and concentrate on staying warm.

For others, though, it’s time to get excited — because it’s time to break out the snowmobiles and head to the nearest winter recreation spot. It’s a popular activity, and for good reason: Snowmobiling allows you to explore natural areas that may be hard to access by foot (or snowshoe), and provides a different kind of excitement than skiing or hiking.

Of course, snowmobiling presents some dangers as well. And here at Modern Insurance Marketing, Inc, we want you to make it home safely after your day in the snow. Read on for safety tips from the American Council of Snowmobile Associations — and keep in mind that following these will not only help you stay safe, but also influence equitable treatment of snowmobile access by government, agencies and landowners.

SPEED: Speed is a major factor in many snowmobile crashes. Always keep your speed slow enough to ensure that you’re in control.
ALCOHOL: Use of alcohol or any other drug that causes impairment is a leading cause of snowmobile-related fatalities. It’s best to refrain from any use at all before and during outings because of potential effects on vision, reaction time, balance and coordination. When combined with excess speed in particular, the results can be deadly.
AVALANCHE: More than 90 percent of the time, avalanches that involve people are triggered by the victims. Learn to follow avalanche safety procedures and always know the risks at all times.
RIDING AT NIGHT: Nighttime snowmobiling is fun, but extra caution should be used. Ride at slower speeds so as not to override your headlights (which generally illuminate your path for about 200 feet). Faster speeds could mean that you have little or no time to react to an obstacle in your path.
ROADWAYS: Always keep an eye out for vehicles, as many trails are located alongside roadways and can cross over them. Be sure to stop fully at all stop signs and unmarked road crossings.
CLOSED AREAS: Areas may be closed to snowmobiles due to hazardous conditions, wintering wildlife, non-motorized recreation or by landowner request. It’s important to honor these closures for safety purposes and to help protect access to other riding areas.

While it’s extremely important to follow these tips for your personal safety, it’s also vital to encourage others to snowmobile safely as well. Helping to educate others will not only promote safety for all snowmobilers, but also protect the sport’s image as well.

Whether you’re a new rider or have been on the trails for years, ask yourself if you could be riding more safely. There are many more winters to come, and we want you to be able to enjoy as many of them as possible!

From all of us at MIM, happy trails to you...



Monday, December 3, 2012

Toy Box Trivia

Celebrating the most beloved toys of Christmases past and present...


1.  What was the 1st toy to ever have a TV commercial?



Mr. Potato Head in 1952.
The original toy was a jumbled set of accessories meant to pierce a real potato.

2.  Which toy was considered a potential national security threat because of its voice-recording abilities?


Furby.
The 1998 Christmas craze led to a countrywide shortage of the toy, with the originally priced $30 to $35 model selling online for more than $100. 

3.  What's the most sought after Beanie Baby?


Peanut, the Royal Blue Elephant, which sells for upwards of $3000.  A manufacturing error left 2000 Peanuts a darker shade than the typical light blue, making the elephant one pricey Beanie Baby!

4.  What was the brand name of ZhuZhu Pets marketed in the United Kingdom?
Go Go Hamsters.
In 2009, the little critters sold online for almost 10 times their original retail price of $8.

5.  How many little green houses have been created since Monopoly was first introduced?


5.12 Billion.
Since its creation in 1934, an estimated 500 million people have passed go without stopping.

6. Who is the youngest Rubik's Cube solver ever recorded?


Yi Hui of China.  He was only 3 years, 6 months and 5 days old when he solved the cube in two minutes and 43 seconds in 2011.

7.  Who invented the NERF football?

Fred Cox, a kicker for the Minnesota Vikings in the early 1970's.
This product was originally advertised as "the world's first indoor ball."


8.  What is the Italian name for Garbage Pail kids?


Sgorbions or Snotlings, ewww!!! 
These were collectible cards that were created as an alternative to the more wholesome Cabbage Patch Dolls.  Schools banned them and parents labeled them "not at all healthy."

Share your favorite Holiday toys on our Facebook page at https://www.facebook.com/moderninsurancemarketing.

Happy Holidays!!!
  

Tuesday, November 27, 2012

Medicare Open Enrollment Ends Soon - December 7th!




Mark your calendars: Medicare open enrollment, officially called the Annual Election Period, ends in less than two weeks, on December 7!  
Whether you have original Medicare, Medicare Advantage or a prescription drug plan through Medicare Part D, now is the time to make sure you or your loved one has the right plan for the year ahead.
A lot can happen in a year. You may have been diagnosed with a new medical condition, changed medications, or moved. There may also be changes to your Medicare plan. Now is the time to take a close look at your medical needs – including prescription drugs – and make sure you have the Medicare plan that’s best for you.
During Medicare open enrollment, the Annual Election Period, people in Medicare should check their current Medicare plan, and, if necessary, switch to another plan.  For example, a person might change from a Medicare Advantage plan back to Original Medicare, switch Medicare Advantage plans, or join a prescription drug plan. 
Not sure where to start?  Try following the four “C’s”: coverage, cost, convenience, and customer satisfaction. 
  • Coverage: Comparing Medicare plans can be simple.  The official Medicare website has a tool at www.Medicare.go/find-a-plan that helps you compare all of the plans available in your area.  When reviewing plans, focus on the benefits, such as coverage offered while in the prescription drug coverage gap, or “doughnut hole.” Also, find out which drugs are covered.
  • Cost:  From year to year, Medicare plan costs may change.  During open enrollment, compare all of the costs, including premiums, deductibles, drug costs, and out-of-pocket maximums.
  • Convenience: When it comes to going to doctor’s appointments and filling prescriptions, convenience matters.  When reviewing Medicare plans, find out if access will be available to your doctors, or doctors nearby.  And, check that the local pharmacy accepts the plan, and that the plan provides online prescription-filling or mail-order options.
  • Customer service: When comparing plans, take note of Medicare’s star-rating system.  Medicare health and prescription drug plans are rated on how they perform in different categories, such as responsiveness and care, member complaints and customer service.  A plan may rate between one star (“poor”) and five stars (“excellent”).  

After reviewing the four “C’s,” it is time for the “D” – decide.  Keep in mind: Even if your current Medicare plan has worked well, it is wise to evaluate the options since the open enrollment period is the one and only time each year when people in Medicare may switch plans.
For further assistance, contact Modern Insurance Marketing, Inc. right away!  Modern Insurance Marketing, Inc. and its affiliate Senior Choices NW are leaders in the senior benefits market. We specialize in educating seniors of all income levels so you can make informed decisions on your health and financial well-being.  Don't wait, get in touch, we can help! 





Monday, November 26, 2012

Prepare Your Business




Tips for Preparing Your Business for Winter Weather


Recently in our MIM blog, we've discussed winterizing your home, but what about your business? Let's not forget to prep the office as well by doing the following...

Outside: 

  • Check your business property for downed tree limbs and branches. Weather, such as wind, heavy rain, ice and snow, can cause branches to fall, which could cause damage to the property and potentially cause personal injuries.
  • Inspect property, especially walkways and parking lots, for proper drainage to alleviate flood hazard potential. Provide for prompt removal of ice and snow from sidewalks, walkways and steps.  Maintain accessibility to emergency exits, fire hydrants, and fire lanes. Control build-up of icicles and other snow accumulations from overhangs, rain gutters, and overhead fixtures. If not controlled, these accumulations could fall from overhead areas and strike pedestrians/customers. 
Inside:
  • Inspect all handrails, stairwells and entryways to address and correct potential slippery or hazardous areas. Install mats or non-slip surfaces and post caution signs where water could be present.
  • Install a programmable thermostat and properly set it to 68 degrees during work hours and to shut off when the building is unoccupied.
  • Turn off lights in unoccupied storage rooms, restrooms and meeting rooms. Install motion detectors to do the job for you.  Replace incandescent bulbs with ENERGY STAR® qualified CFL bulbs.  Turn off overhead lights where natural light shines in.
  • Purchase ENERGY STAR qualified computers, monitors, printers, fax machines and copiers and ensure they are properly programmed to “power down” after a period of inactivity. Install smart power strips to prevent mobile phone chargers, laptop adapters, and other office appliances from drawing power when not in use.  Use laptop computers and ink-jet printers, if appropriate. They consume less energy than desktop computers and laser printers.
  • Hire a professional to perform scheduled maintenance on heating units and check duct and pipe insulation for damage.

Severe winter weather can affect your business in many ways. Water pipes, process equipment, and other building systems can all fail when the temperature drops below the freezing mark. It is imperative that your business operations do not become interrupted due to bursting pipes, building structural failure, or process shutdowns. Any such interruption could lead to financial difficulties and could affect your business in a negative way for long periods of time.  Winterizing your business may also help you lower your utility bills and save energy.  



Sunday, November 25, 2012

Why You Need Travel Insurance




10 Reasons to Purchase Travel Insurance



There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling.

To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are 10 common examples of what could go wrong.

  1. It's 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?
  2. Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?
  3. Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?
  4. You're involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?
  5. If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
  6. You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?
  7. Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who will help get you to your destination?
  8. You're walking down a street in Rio and twist your ankle. Who can help you find an English-speaking physician?
  9. Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will pay if you want to cancel your trip?
  10. You are at a beach resort in North Carolina, and you are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation investment?

In buying travel insurance, you're not only buying something that can assist greatly should you find yourself in need, you're also buying some peace of mind -- both for you, while you travel, but also for your family and friends back home.

For a free quote from Modern Insurance Marketing, Inc., go to...


Monday, November 19, 2012

Turkey Day Trivia


Want to liven up this Thanksgiving dinner? Sharing some interesting, little-known facts is a great way to add fun to the holiday.  Do you know all the answers?  How 'bout Grandma, or Cousin Ralph?  


Was there turkey at the first Thanksgiving?

There is no evidence that turkey was eaten at the first Thanksgiving, a three-day meal shared between the pilgrims and Wamponoag tribe in 1621. It is more likely that they ate venison and a lot of seafood.

Of The Three Utensils We Use To Eat (Fork, Spoon & Knife) Which Was Not Present At The First Thanksgiving Feast?


The fork. What did they use to eat their meal with? A knife, a spoon and their fingers. The fork was not brought by the pilgrims. Governor Winthrop of Massachusetts introduced it 10 years later, but it did not really catch on until the 18th century.

What Is The Relationship Between Frozen T.V. Dinners And Thanksgiving?

Apparently, part of the reason that Swanson started creating T.V. dinners in 1953 was because it needed to find something to do with the massive amount of leftover frozen Thanksgiving turkeys.

Does Turkey Really Make Us Sleepy?

Not really. Trytophan does make us tired and it is in turkey. But more of it can be found in soybeans, parmesan and pork. So what is to blame for the post-meal coma? Well, it could be the quantity of food over-consumed. The huge serving of dessert could have an effect. Or it could be the amount of booze drunk midday.

Do People Consume A Lot Of Booze During This Holiday?

YES! It has been claimed again and again that the night before Thanksgiving is the biggest drinking night of the year -- beating out New Years Eve and St. Patrick's Day. Why? It is the number one evening where people return home and reunite with their high school buddies. Or possibly the anxiety of being surrounded by family drives some to drink.

How Did The Pilgrims Make Their Green Bean Casserole?

They didn't. Green been casserole came into being just 50 some years ago and was created by Campbell's soup. It came about when the company was making new recipes for its annual cookbook. Now, Campbells sells about $20 million worth of cream of mushroom soup, most likely for people to make the casserole.

How Many Turkeys Are Consumed On Thanksgiving?

An estimated 46 million turkeys are eaten on Thanksgiving (the birds weigh, on average, 16 pounds). That is more than double the amount eaten on Christmas (22 million) and Easter (19 million). In 2010, more than 244 million turkeys were raised and about 226 million of those were consumed in the United States.

Have Turkey, Stuffing And Football Always Gone Hand In Hand?

Not quite. It all started in 1934, when the Detroit Lions was bought by G.A. Richards. Trying to build up the fan base for the team, he scheduled a game for Thanksgiving Day to play the Chicago Bears, who at the time were world champions. The game sold out and was broadcasted live on radio. And with that huge success, the tradition began. Since then, the Detroit Lions have played 67 Thanksgiving games!

How Did The Macy's Thanksgiving Day Parade Begin?

The Macy's Thanksgiving Day parade began in 1924 with 400 employees marching off from Convent Avenue and 145th Street in New York City. During this time the parade was accompanied not with the oversized ballons of our favorite cartoon characters, but with live animals borrowed from the Central Park Zoo -- from camels to elephants.


And don't forget to take turns going around the dinner table and sharing what you are all thankful for!  Count your blessing this Thanksgiving and enjoy your friends and family!  Gobble, gobble!

Tuesday, November 13, 2012

Tips for a Healthier Thanksgiving



Have a Happy (and Healthy) Thanksgiving!


While Thanksgiving might be a little more than a week away, you are hopefully thinking about your menu and preparing your grocery list. As you put together the meal, take some time to think about how healthier food choices fit within your plan. With a little know-how, you can satisfy your desire for traditional favorites and still enjoy a guilt-free Thanksgiving feast. After all, being stuffed is a good idea only if you are a turkey!

Here’s what you need to know so that the only thing you’re "adding on" this holiday is joy:

Get Active

Create a calorie deficit by exercising to burn off extra calories before you ever indulge in your favorite foods. 'Eat less and exercise more' is the winning formula to prevent weight gain during the holidays. Take a walk early in the day and then again after dinner. It is a wonderful way for families to get physical activity and enjoy the holiday together.

Eat Breakfast

While you might think it makes sense to save up calories for the big meal, experts say eating a small meal in the morning can give you more control over your appetite. Start your day with a small but satisfying breakfast so you won't be starving when you arrive at the gathering.

Lighten Up

Whether you are hosting Thanksgiving dinner or bringing a few dishes to share, make your recipes healthier with less fat, sugar, and calories. There is more sugar and fat in most recipes than is needed, and no one will notice the difference if you skim calories by using lower calorie ingredients.

Police Your Portions

Before you fill your plate, survey the buffet table and decide what you're going to choose. Then select reasonable-sized portions of foods you cannot live without. Don't waste your calories on foods that you can have all year long. Fill your plate with small portions of holiday favorites that only come around once a year so you can enjoy desirable, traditional foods. Try to resist the temptation to go back for second helpings.

Slowly Savor

Eating slowly, putting your fork down between bites, and tasting each mouthful is one of the easiest ways to enjoy your meal and feel satisfied with one plate full of food, experts say. Choosing whole grains, fruits, vegetables, broth-based soups, salads, and other foods with lots of water and fiber add to the feeling of fullness.

Go Easy on Alcohol

Don't forget those alcohol calories that can add up quickly. Have a glass of wine or a wine spritzer and between alcoholic drinks, (or) enjoy sparkling water. This way you stay hydrated, limit alcohol calories, and stay sober.

Be Realistic

The holiday season is a time for celebration. With busy schedules and so many extra temptations, this is a good time to strive for weight maintenance instead of weight loss.

Focus on Family and Friends
Thanksgiving is not just about the delicious bounty of food. It's a time to celebrate relationships with family and friends. The main event should be family and friends socializing, spending quality time together, not just what is on the buffet.


So from all of us at Modern Insurance Marketing, Inc....




Monday, November 12, 2012

Buyer Beware - Does That Car Have Flood Damage?



Damaged Cars May Soon Arrive on Dealer Lots




If you plan to purchase a used vehicle in the next few months, be sure that you are on the lookout, but unfortunately not just for the big bargains. Instead you will also need to be watching out for the possibility of fraudulent flooded vehicles.

A wave of flood-damaged vehicles from Hurricane Sandy could sweep soon through the national auto market. Damaged cars and trucks from cities and towns affected by the storm are likely to make their way to auto auctions across the country. Once on used-car lots, these vehicles may then be sold at deep discounts relative to the going rates of similar cars, but without any disclosure from sellers about the vehicles’ exposure to the storm, echoing a common practice in the aftermath of Hurricane Katrina in 2005.

Flood-damaged vehicles can be shipped anywhere for resale, and they often continue to appear in the marketplace for up to a year after a major flood. While it is not illegal to sell a flood-damaged car, it is illegal to not inform the consumer the car was damaged. Sellers cannot misrepresent a vehicle.

The most effective way for a used car buyer to weed out a water-damaged vehicle is to make note of the following...

1. Are there damp or musty odors inside the vehicle?

2. Have the carpet and/or seats been replaced or recently shampooed? Pull back the carpet at different areas and look for mud, dirt or water stains. It is easiest by pulling up the plastic sill plates, that in most cases pull up by hand with no tools required.

3. Look under the car for rust. It is uncommon to find rust in a newer car and in those that are owned or sold in Southern states, where road salt is very uncommon.

4. Open all doors, hood and trunk to inspect for rust, mud and dirt or discoloration of the frames, hinges and under the weather stripping.

5. Pay special attention to tight crevices and, in particular, under the dash for telltale signs of mud.

6. Check all warning lights, window motors and all electrical components to ensure they work properly. While a non-working part alone does not mean the vehicle was flooded, it combined with other problems is a cause for concern and could lead to expensive repairs.

7. Get a CARFAX (www.carfax.com). Always ask for the vehicle history report for any used car you are purchasing! A vehicle history report will tell you if a car has been involved in accidents, but also if the car has been salvaged, potentially from flooding.

8. Always have a car you plan to buy inspected by a mechanic you trust. Nearby locations can be found at AAA.com/Repair. On a garage lift, the car can be inspected more thoroughly. A mechanic can also run diagnostics on the electrical system, where the biggest problems occur on flooded cars.

The risk of buying a flooded car should add an additional layer of scrutiny to what always should be a rigorous process. And if you, as a potential buyer, are at all nervous, and something doesn't feel right, walk away from it. 


Hopefully with these tips and a keen eye, you'll be well-equipped to find the right vehicle for you, and not this one...EEEK!!!



   


Thursday, November 8, 2012

Earthquake Insurance - Is it worth it?





To buy or not to buy earthquake insurance?


In light of what has happened on the East Coast as a result of Super Storm Sandy and the recent B.C. quakes, that question for many homeowners is on the front burner again. Whether you live in the city, suburbs or on the coast, it's hard to ignore that gnawing feeling in your gut that not having the insurance could mean big problems in the event of "the Big One."

Earthquake insurance provides coverage if your home is damaged by an earthquake. Your standard homeowner and renters policies will not cover earthquake damage. Earthquake insurance is a separate endorsement you must buy and add to your homeowner or renters policy.

Since many homeowners’ biggest investment is their home, earthquake insurance may help protect that investment. Many homeowners, however, still hold off on purchasing insurance; in Oregon, only 20% of owners with homeowners' policies also have earthquake coverage. Why? Denial.

A few thousand earthquakes occur each year in the United States, according to the Geological Survey’s National Earthquake Information Center. Among natural disasters, earthquakes are the most costly from which to recover. Furthermore, 90% of Americans live in potential earthquake zones. Experts have recorded more than 6,000 earthquakes in Oregon, most too small to feel, since 1841. It's not a matter of if but when we are in for a rather sizeable quake.

An earthquake insurance policy will give you the peace of mind and security you deserve. Contact Modern Insurance Marketing (www.moderninsurance.com) to find out more about what earthquake insurance coverage is available for your property.




  

Monday, November 5, 2012

Honoring All Who Served

A salute to all our Veterans...




November 11 of each year is the day that we should ensure veterans know that we deeply appreciate the sacrifices they have made in their lives to keep our country free. 

Displaying and offering thanks to our veterans is the best way to honor the sacrifices they have made to protect our country and freedom. 

Display an American flag, attend a parade or thank a veteran for their service.

For a list of local events at which you can honor our nation's heroes, visit the Oregon Department of Veterans' Affairs website at http://oregondva.com/2012/10/16/2012-statewide-veterans-day-events/.



Saturday, November 3, 2012

Are You Prepared?

Get Ready!

The thought of something "disastrous" happening scares us all.  However, the reality is, there is a chance that each of us could be involved in some kind of disaster or emergency.  Services such as water, electric, gas, and telephones may be cut off.  In the event of a large disaster, emergency personnel will be too busy helping those in need of immediate medical and rescue attention, and unable to assist you.

The events of Super Storm Sandy, September 11th, Hurricane Katrina and the tsunami in Japan have affected us all physically, emotionally and spiritually.  Therefore, preparation for all types of disasters MUST be a fact of life.  Why leave it up to fate and take the chance that you and your loved ones suffer needlessly during and after a disaster?

Having the right supplies on hand is like having a spare tire in the trunk of your car.  You hope not to have a flat tire, but it's nice to know that a spare is there, ready to use, and to keep you going.  Emergency preparedness is essential in this day and age.  
       

BASIC DISASTER SUPPLIES KIT

A basic emergency supply kit could include the following recommended items:

  • Water, one gallon of water per person per day for at least three days, for drinking and sanitation
  • Food, at least a three-day supply of non-perishable food
  • Battery-powered or hand crank radio and a NOAA Weather Radio with tone alert and extra batteries for both
  • Flashlight and extra batteries
  • First aid kit
  • Whistle to signal for help
  • Dust mask to help filter contaminated air and plastic sheeting and duct tape to shelter-in-place
  • Moist towelettes, garbage bags and plastic ties for personal sanitation
  • Wrench or pliers to turn off utilities
  • Manual can opener for food
  • Local maps
  • Cell phone with chargers, inverter or solar charger
Once you have gathered the supplies for a basic emergency kit, you may want to consider adding the following items:
  • Prescription medications and glasses
  • Infant formula and diapers
  • Pet food and extra water for your pet
  • Cash or traveler's checks and change
  • Important family documents such as copies of insurance policies, identification and bank account records in a waterproof, portable container. 
  • Emergency reference material such as a first aid book
  • Sleeping bag or warm blanket for each person. Consider additional bedding if you live in a cold-weather climate.
  • Complete change of clothing including a long sleeved shirt, long pants and sturdy shoes. Consider additional clothing if you live in a cold-weather climate.
  • Household chlorine bleach and medicine dropper – When diluted, nine parts water to one part bleach, bleach can be used as a disinfectant. Or in an emergency, you can use it to treat water by using 16 drops of regular household liquid bleach per gallon of water. Do not use scented, color safe or bleaches with added cleaners.
  • Fire extinguisher
  • Matches in a waterproof container
  • Feminine supplies and personal hygiene items
  • Mess kits, paper cups, plates, paper towels and plastic utensils
  • Paper and pencil
  • Books, games, puzzles or other activities for children
Nobody knows when a disaster might strike, but being prepared beforehand can help you and your family survive safely.  For more information, go to www.ready.gov.


Tuesday, October 30, 2012

Too Much of a Good Thing?


Tips on what to do with all that Halloween candy...




It's inevitable!  Kids are going to come home on Halloween night with more candy than they can ever dream of!  Is it more of a nightmare for you?  Fear not!  We've got some ideas for you...


  • Freeze the sweets. Chocolate freezes very well, and you'll have several months' worth of desserts for your brown bag lunches stashed. Put hard candies or sweets like Jolly Ranchers, Starbursts and Nerds into tightly sealed bags; they should stay fresh for quite a while.
  • Bake with it. Use chopped-up candy bar pieces instead of chips in cookies and brownies. Mix Butterfingers, Snickers or other candy bar pieces into your cake batter.  Top cookies with M&M's, Reeses Pieces or Skittles.
  • Donate candy to children in need.  Hospitals, shelters, food pantries and even churches often accept leftover candy.  Just be sure to call them before you show up with bags of candy to make sure they have a way to use it.
  • Get creative with the upcoming holidays.  For place cards around the dinner table at Thanksgiving, fill sugar cones with various candy and lay them on their sides to look like cornucopias.  Make a gingerbread house at Christmas and use the candy to decorate the outside.  Hide candy in your advent calendar, for a yummy surprise every day.
  • Take it to work. Leaving candy by the office coffee pot is a time-honored tradition. Alternate idea: If your workplace has a candy dish at the front desk, seal your surplus in a plastic bag and give it to the receptionist.  Your customers will appreciate the treat and some days, you may end up needing an afternoon pick-me-up.
  • Sell it to your dentist. A program called the Halloween Candy Buy Back Program encourages dentists to buy sweets from kids; the goodies are then shipped to deployed soldiers. Some dentists pay cash (usually $1 to $2 a pound), and some give small gifts. The website (www.halloweencandybuyback.com) has a search tool to let you find a participating dentist near you.

Whatever you decide to do, have your kids pick their favorites from the piles, you pick yours, and say goodbye to the rest with a clear conscience!  Be safe, have fun and Happy Halloween!!!   


Sunday, October 28, 2012

Preparing Your Home for Winter


Winterizing Tips - Protect Your Assets and Your Life! 






The fall season is a time to wind down as days for many become cooler and the air crisper.  With cooler temperatures of the winter months just around the corner, it is important to winterize your home so that you save energy and money.  Your home is one of the biggest investments you will ever make and should be properly maintained to ensure its longevity.  As fall requires some pre-winter prep, consider these 10 maintenance tips:

  1. Have your heating system checked by a professional annually to ensure that it’s working safely and efficiently. If you heat by wood, clean your fireplace or stove.
  2. Have your chimney flue checked for any buildup of creosote and then cleaned to lessen the risk of fire.
  3. Make sure your home is properly insulated. You may want to consider insulating walls and attic to help conserve energy.
  4. Caulk and weather-strip doors and windowsills to keep cold air out.
  5. Install storm windows or cover windows with plastic from the inside. This will provide an extra layer of insulation by keeping more cold air out.
  6. Inspect and flush your water heater.
  7. Clean gutters. Leaves and other debris will hamper drainage and may even be a fire risk.
  8. Replace batteries of smoke, heat and carbon monoxide detectors. If you did not do it when you set the clocks back, do it now.
  9. Reverse your fans.  If your home has ceiling fans, know that they are there to help regulate your winter utility bills as well.  Flip the switch so that the fans turn clockwise in the winter, and the fans will force down warm air to recirculate through the room.      
  10. To keep pipes from freezing:
  • Wrap pipes in insulation or layers of old newspapers
  • Cover the newspapers with plastic to keep out moisture
  • Let faucets drip a little to avoid freezing
  • Know how to shut off water valves

Winterizing your home is an important yearly task that helps your house to better brave the elements and helps you to keep more money in your pockets.  





Thursday, October 25, 2012

You don't think you need flood insurance? Think again!




Isaac Demonstrated the Need for Flood Insurance...


In late August slow-moving Hurricane Isaac sat on the Mississippi coast for two days dumping rain, totaling up to 20 inches in places, and battering coastal areas with a 10-foot storm surge. Rivers reached near-historic flood levels. Flooding damaged or destroyed nearly 3,000 homes, according to state officials.

"Flooding is the most common disaster we see in our state each year," said Mississippi Emergency Management Agency State Coordinating Officer Bill Brown. "Many who flooded during Isaac were not in high-risk flood zones. Having a flood insurance policy won't keep the water out of your house, but it will protect the investment you have in it."

Flood insurance is important regardless of your flood zone. In fact, people outside high-risk areas file more than 20 percent of claims. In Mississippi, 86,000 households have flood insurance. About 39,000 of those policies were bought by consumers living outside a high risk flood zone.

It is important to know that flooding is not covered under most homeowner insurance policies. If a covered peril, such as wind or hail, damages the structure and allows rain inside the building, the resulting water damage would be covered by your homeowner policy, but not damage caused by flooding.

By law, federally regulated or insured mortgage lenders require flood insurance on properties that are located in areas at high risk of flooding, called special flood hazard areas. An interactive guide to determine your flood risk is available online at FloodSmart.gov.

Flood insurance, with the average premium running about $500 per year in Oregon, can save homeowners thousands of dollars in repairs. Just 3 inches of floodwater in a home will require replacing drywall, baseboards, carpet, furniture and other necessary repairs can cost an estimated $22,590.

The deeper the floodwater, the more it will cost - 24 inches of water means repairs to the electrical system and the heating and cooling system. It also means replacement of doors, appliances and cabinetry, which could add another $40,000 to the bill.

Homeowners can insure their homes for up to $250,000 and contents for up to $100,000. Renters can cover their belongings for up to $100,000. Nonresidential property owners can insure a building and its contents for up to $500,000 each.

There is normally a 30-day waiting period when purchasing a new policy so now is the time to get your policy, before the next disaster strikes.

Most of us don't think much about flood insurance until it's too late and the damage is done, but experts say now is the time to act to try and protect yourself. Contact Modern Insurance Marketing, Inc. today at www.moderninsurance.com or 1-800-762-4646.





Wednesday, October 24, 2012




Good insurance advice is crucial to your financial security. Your local independent agent or broker is a great place to turn if you are looking for a professional advisor you can trust. At Modern Insurance Marketing, Inc., we are able to offer products from a variety of companies and we believe independent advice is, by far, the best way to shop for insurance products.  

Contact us today for all of your insurance needs!