- Adjust your seat for space and comfort. The National Highway Traffic Safety Association recommends 10-inches between your belly and the wheel. You should continue to adjust to maintain that gap as your belly gets bigger throughout your pregnancy. You want to adjust your seat as far back as possible, but still be able to reach the steering wheel and pedals with comfort.
- Check the shoulder strap. The shoulder strap should go across your chest between your breasts and off to the side of your belly. Never place the shoulder belt under your arm.
- The lap belt should rest under your belly and over your hips. Never place the lap belt across your belly.
- Make sure the straps are snug. And adjust the shoulder belt height to fit correctly if that’s an option in your vehicle.
- Make Frequent Stops. For long trips remember to make frequent stops to stand up, stretch and keep your blood circulating.
So, what’s the best way to buckle up with a baby in your belly?
Source: Foremost
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What's the average jury award for injury cases in US courts? $985,675. What does this mean? It means that even if you opt for the highest available liability limits on your home and auto policies (usually $500,000) you may still lose everything you own over an accident where you are considered to be at fault. The answer: the umbrella policy. It's ridiculously inexpensive for the coverage it provides. Adding a MILLION dollars of liability to your coverage can cost well under $200 a year. Can you afford not to have this?
I'll say it again -- if you're agent hasn't tried to sell you more liability then you may have the wrong agent! Objections:
Never trust a quick or "instant" insurance quote. So many factors go into determining a final rate on an auto or home policy. It takes time and effort to get a real quote. If an agent hasn't run your motor vehicle report, claim history, and insurance credit score your "quote" is just a guess. We never throw out a number; we know that you, like us, don't like surprises at the end of the process. Unfortunately, some insurance people will pull a number out of the air to keep you on the phone or get you in the office -- not at Windrock. There's another reason not to be too quick: You don't want cookie-cutter coverage. The many coverage options and possible discounts need to be tailored to each customer. Remember when there were no special orders at McDonalds? You had to take what they gave you. It was fast, but it wasn't good. Is that sort of insurance service you want? Didn't think so.
Ah, the joys of home. So many comforts--and so many risks. The dog, the teenage driver, and the monster tree that hangs over your neighbor's yard can all become the stuff of lawsuits. And most homeowner's and auto insurance policies don't offer enough protection against major personal-liability claims. Especially now, with real estate values so inflated, the $250,000 to $500,000 (usually $100k or $300k in TN) liability limit in a typical homeowner's or auto plan may turn out to be woefully inadequate. "It's enough for your typical slip-and-fall situation," says Robert Hartwig, chief economist at the Insurance Information Institute. "But jury awards are becoming much larger and more frequent for serious incidents."
The answer is an UMBRELLA. We have them. Finish the article here. Admit it, there's a great feeling of satisfaction when you save a dime on gas. Many will go to great lengths, go out of their way and even burn gas to save a few pennies on gas. You'd be happy, I'll bet, if you could consistently save 10 cents a gallon on gas. If you drive 15,000 miles a year, get 25 mpg, and pay $3 a gallon for gas, how would all your bargain-hunting efforts be rewarded? Over the course of a year -- by searching weekly for cheaper gas -- you'd save a glorious $60! Wow, one extra Friday night meal and movie -- maybe! Instead of searching weekly to save a penny, call me once for a shot at saving HUNDREDS of dollars on your car insurance. We've saved some customers as much as 50% -- yes, $1200 a year in two recent cases. Sometimes it's $200 a year, sometimes it's $50 a month, sometimes we'll tell you to sit tight. But, do the math. And give us a call. And don't get me started on the potential cost of driving uninsured or carrying too little liability: We're talking several hundred dollars to several hundred thousand dollars in potential expense. Ask me how you can add an extra MILLION DOLLARS worth of liability to your auto and home policies for the price of three dinner dates or three tanks of gas. As long as you plan not to die! Here's a great, balanced, non-sales article:
"Life insurance actually isn't right for everyone. If no one else is depending on your income, it's not a must-have for you (though a little could help pay for your funeral expenses). But if you help support a household or have dependents, you probably need coverage". - read more AOL/Motley Fool |
AuthorOwner/agent Brad Isbell is a strange person -- he actually likes to talk and blog about insurance, safety, and saving money. Archives
November 2013
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