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It's mosquito season here in East Texas and we're all looking forward to fun parties and get-togethers in our backyard, but with that comes a flying pest that's a pain for most - mosquitoes! However, just because these insects are a nuisance, that doesn't mean you have to stay inside and not enjoy summer. We've compiled a list of 10 tips and tricks that are sure to keep mosquitoes away from your yard.
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The wind in your hair, the sun on your face, and the open water in front of you. Sound appealing? Then you might want to join the ranks of boat owners all over the country. But before you cut through that clear blue water, there are some things you may want to keep in mind. Whether you're buying a fishing boat, cabin cruiser, pontoon or speed boat, different components like cost, horsepower, weight capacity or onboard storage may prove to be more important to you than others.
Answer these questions before going boat shopping: What are you hoping to use your boat for? All boat styles have a different design tailored to the use. Speed boats may be better for tubing and water skiing but wouldn't hold as many people or be as suited for fishing as a dedicated fishing boat or a pontoon. Maybe you'll want to sail or spend time living on the open water in a houseboat. There are so many different varieties of boats, brands and manufacturers, so make an informed decision on which one is right for you. What's your budget? This may help decide whether to buy a used boat. According to Discover Boating, new boats depreciate anywhere between 25%-33% immediately after leaving the dealer's lot. So, if you buy a used boat, someone else has already paid that depreciation cost - more boat for fewer dollars! However, buying a new boat will offer a warranty, the newest technology, and that nice shiny look as you move across the water - the choice is up to you! How many people are you hoping to go on your boating excursions with? The capacity on personal fishing boats is generally smaller than a pontoon boat, which are made to hold anywhere between 8-15 adults comfortably. What type of equipment will you want onboard? Here's some suggestions:
Will your car be able to tow your boat? A 20-foot boat trailer can range from 600 to 1,000 pounds, and most boats in this size range hover in the 4,000-5,000 pound range.* This means that you'll want an SUV or truck that is rated to tow between 4,500-6,000 pounds in total. Where are you placing your boat in the off-season? Having storage for your boat during the colder months is important and must be planned ahead. Some may place their boat in their garage, outside of their garage or in a separate storage space. And a few other components to consider…
No matter what you decide, get out there, matey, and enjoy the open seas! Looking for boat insurance? Get a quote today by calling 888-244-8092 to speak with a licensed agent or find a Foremost insurance agent near you. Or contact us at First Community Financial Group. We are a Foremost agency! Content provided by Foremost Insurance. Whether you were caught speeding (or worse) or you simply want to be a better driver, there are a wide range of defensive driving and driver improvement courses available in Texas these days.
But which is right for you? Here are five tips to help you decide: 1. Check with your state or municipality. If you’re taking training to avoid a traffic infraction, not just any course will do. You’ll need to take an approved course – ask for a list before signing up. 2. Check with your insurer. The same goes if you’d like to potentially save on your car insurance. Your carrier may only offer a car insurance discount for completing certain courses. Also ask how much your discount will be — this will help when it comes time to choose a course. 3. Choose the type of course. There are online and classroom options, typically ranging from 4-12 hours depending on the course material. And there are advantages to each. Online courses offer convenience (and sometimes a lower cost), while in-person settings can provide more interaction. 4. Determine how much you want to spend. If you’re trying to avoid a ticket (and a potential increase in your insurance premiums), the cost might not be much of an issue. If you’re taking a course to receive an insurance discount, however, make sure the total discount you’ll receive is greater than the cost of the course. 5. Check out the reviews. Online review sites, such as Yelp, can show you what others thought of a course. Keep in mind, people who felt “forced” to take a course might have a biased opinion, especially compared to someone who took the course willingly. No matter why you’re considering a defensive driving course, we’re happy to help you weigh the pros and cons. The biggest pro being, once you complete your training, you’re likely to be a little more careful the next time you get behind the wheel. And, that always pays off! Tornadoes have caused severe and irreparable damage to tens of thousands of Americans and their property in recent years. On top of the physical and emotional fallout, many have also lost their lives as a direct result of a tornado. Onalaska, TX suffered a direct hit in April 2020. The results were devastating for so many! Although you can never control the weather or the outcome of a destructive storm, there are steps you can take to help you and your family remain protected in the event of a tornado. Those steps of action begin with knowing fact from myth. Here are a few tornado truths that could help keep you and those you love safe:
At First Community Financial Group, we want to help you know the tornado truths that will help keep you and your family safe. For more tornado safety tips, visit the Storm Prediction Center’s comprehensive guide at http://www.spc.noaa.gov/faq/tornado/safety.html. Contact Us! At First Community Financial Group, 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 (936) 327-4364 or send us a note at info@firstcfg.com. We want to help you meet your goals, and make sure what's important to you is protected! Content provided by Safeco Insurance Every time I'm in my house and hear the rain start to pound on my roof, the only thing that goes through my mind is…gutters. Were you expecting me to say, lush greenery or a beautiful rainbow? The fact is, my home doesn't have rain gutters and it needs them, badly. My husband built our house about five years ago and though he did a beautiful job creating our roof which has a pitch of 12x12, he forgot to add the one thing that would stop the water from drowning my flowerbeds to the point of no return, damaging our walkway made of cement and eroding the soil around our foundation. Of course, gutters are not necessary for every house, but most houses need some kind of rain guttering system. If you notice the erosion of soil around your foundation, cement breaking up or dirt splattered on your siding, don't wait like we have, your house is telling you it needs gutters to stay healthy. Gutters are not necessary for every house, but most houses need some kind of rain guttering system. Buying gutters is an important aspect in taking care of your home and should be considered. They are most often installed by professionals, but there's no reason you can't make it a do-it-yourself (DIY) job. This Old House has some great DIY videos on how to install rain gutters. (I think I might accidently leave a couple of these playing on our home computer for my husband). There are also countless professionals that install gutters on a daily basis and can tell you what kind is right for your home. If you are still questioning why your home needs gutters, here's a list of what these rain catching devices will do:
Source: www.foremost.com
Your mobile home is prone to coming out of level, simply because of how it’s built. Here are a few things that may indicate your home is not properly leveled:
If your warranty has expired, it might be best to hire a professional. Other things that can cause your mobile home to shake:
When it comes to the weather and other things going on outside, all homes may experience shaking from time to time. The only difference is, you can perceive that shaking a lot more in your mobile home because of how it’s built. While you may not be able to permanently eliminate the shaking, these things might help minimize it:
Form number: 9025745 Sources: https://architecttwocents.com/why-mobile-home-shake/ https://freedomresidence.com/why-your-mobile-home-is-shaking-and-what-to-do-about-it/ Source: Foremost Insurance www.foremost.com Whether you own a site-built home, mobile home, RV or small business, it's always a good idea to create a Personal Property Inventory. Photos, etc. of big-ticket items can be very helpful in the event of a claim! There's nothing quite like a warm, crackling fire in the fireplace to up the cozy factor during the holiday season, and all winter long. If you're asking yourself “Are fireplaces safe?” you've come to the right place. There are things you can do to minimize the dangers, and we're going to walk you through them to educate you about fire safety. Click here to read more about fireplace safety: Fireplace Safety Tips | Foremost Insurance Group This time of the year is always hectic, especially when you add traveling into the mix. Between standstill traffic on the roadways, packed airports, crying kids and canceled flights - it can put a damper on your holiday spirit. To avoid all the craziness, we put together some tips and tricks to get you to your holiday destination safe and sound. Remember, it's always important to do your research, plan ahead and be prepared for the unexpected!
⚹ https://www.tsa.gov/travel/security-screening/whatcanibring/printable |
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