All parents want to keep their children safe when in the car—a car seat is there to protect little ones.
When tucking your child into their car seat, it’s imperative to ensure that they are in the right seat, facing the right way, and secure for the entire journey.
There are many car seat choices on the market! With age, your child will progress from rear-facing car seat to a forward-facing car seat, to a booster seat, to only a seat belt.
Here is a breakdown of the basics:
Rear-Facing Car Seat
Birth – 3 Years
Until your child reaches the top height, or weight limit allowed by your car seat’s manufacturer, your child should remain in a rear-facing car seat in the backseat of the car. Keep your child rear-facing for as long as possible as this is the best way to keep them safe. Once your child outgrows this seat, your child is ...
Get to know your insurance policy by understanding the terms!
Fumbled by jargon? Stumped by specifics? Perplexed by policies? You’re not alone! Trying to understand an insurance plan is like reading a technical manual in a foreign language – that’s why insurance agents must be well-trained and knowledgeable!
So that you can properly understand potential policies and find the best coverage for you, here’s a breakdown of what insurance terms mean.
Open enrollment: This is the period you’re allowed to sign up for next year’s insurance. Most insurance companies allow you to choose your coverage for the next year during a specific amount of time that is “open enrollment” unless you’ve changed jobs or had a qualifying life event!
Premium: This is your monthly bill! Therefore, your monthly premium is what you pay for your insurance policy.
Deductible: The total amount that you have to pay out-of-pocket before insurance kicks in. If you have ...
Sorting out your paper mountain – which documents should you keep?
For many who haven’t opted to go paperless, receipts, bills, pay stubs, tax forms, and other financial documents flood into the mailbox every month. For those who like receiving paper documents monthly, be aware of which financial documents you should keep and which ones you can throw away (recycle).
For your guide on what you should file away safely and what to slide into the shredder, read below!
Receipts – For anything you might itemize on your tax return, keep for three years with your tax records.
Home improvement records – Keep ahold of these for at least three years after the due date of the tax return that includes the income or loss on the home when it’s sold. When aiming to sell the house that you have made improvements to, aim to keep receipts for seven years as these may ...
Avoid this common and costly car insurance mistakes!
While many are content renewing and paying for the same old car insurance policy year after year, this, in itself, can be a costly mistake to make. By not reviewing your auto policy, you are unaware of potential discounts, savings, and coverage gaps.
So that you get the best policy for the best deal for you, avoid these car insurance mistakes that can cost!
Choosing a deductible that is too low – If your plan has a higher deductible, your monthly premiums are typically lower. However, your out-of-pocket expenses will be higher should you get in an accident!
Not taking advantage of discounts – Many discounts are available! These can include:
Good Driving Record discount
Good Student Driver discount
Taking a defensive driving course
Telling your insurer about your car’s safety features
Having a low mileage per year
Bundling car with home or renters’ insurance!
Renewing an outdated insurance plan – Switching ...