tail·gate /'tālˌgāt/
Verb Informal/NORTH AMERICAN

1. host or attend a social gathering at which an informal meal is served from the back of a parked vehicle, typically in the parking lot of a sports stadium.
   "Lot 16E is reserved for alumni who wish to tailgate before the game."

Texas is synonymous with Football and Tailgating! Here at First Community Financial Group, in addition to insurance policies for auto and home, we also offer insurance policies for things you hitch to your vehicle like campers, boats or recreational vehicles. We know that in addition to being useful for towing things, your vehicle's tailgate can also be the location for a fantastic gathering of family and friends before a big game!

To help you plan, we've gathered some tips on how to throw a great tailgate party.
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• TicketsSeasoned tailgaters likely don't need the reminder, but if you're new to tailgating or are traveling to a new venue to see your team, make sure you have the proper game day ticket or tailgate ticket in addition to a parking pass for the designated tailgate area for the big game.
• Safety and first aid gearWhile there may be medical personnel stationed nearby for the game, bring your own first-aid kit, so you're prepared for any minor injuries or ailments. Make sure you also have a fire extinguisher.
• Generator and grill checkIf it's allowed at the venue and you plan on bringing a grill and/or a generator, it's a good idea to check both prior to your event to make sure they are in safe, working order. Also, make sure you have enough fuel for your grill and the generator so you can run them for as long as you'll need.
• Weather checkNobody wants to be soggy or cold, so check the weather leading up to game day and plan for the weather conditions, including any inclement weather. Think layers for warmth, raincoats, rain ponchos, suitable footwear for cold or wet conditions, gloves, hats, etc. Don't forget the sunscreen. And obviously, whatever you wear, be sure you're sporting your team colors!
• Chairs, tents and team swagOnce you know what the weather forecast is, you can plan what you'll need in terms of your tailgate party set up. Some people use their RV as their tailgate vehicle (make sure you check with the venue to see if RVs are allowed), some use their car, SUV, van or truck as the main gathering point. Whatever vehicle you use, you can easily position chairs, a portable table with your grill, coolers, and any other gear you may want like a canopy tent around the back of the vehicle. And don't forget to bring along your team's flag or other team paraphernalia so you can properly rep your team on game day!
• SnacksAccording to Foremost snack enthusiasts, this might be the most important element to a tailgate party! Think of foods that are easily prepared in advance and that travel well, like handheld and small-bite snacks that you and your guests can enjoy with minimal mess. If you're meeting friends or family at the game, you can organize and assign who will bring what snacks, so you have all your food and beverage bases covered. There are plenty of recipes to check out online - here's a round-up of over 50 tasty-looking tailgate recipes from the Food Network. Maybe you'll find a new recipe to try.
• EnjoyFinally, it's game day and all your planning will pay off. Once you arrive at the designated tailgate area and get set up, it's time to enjoy the festivities and the game.

Foremost® Insurance has policies for your motor home or travel trailer. If you're looking for for A Better Insurance Experience®, you can start a quote with us today!

Moles don't come above ground often. But when they do, they make their presence known. Unfortunately, the renovations they make aren't always the most desirable.

Moles dig up dirt to create tunnels and to find insects. This can damage your grass and any plants you may have nearby.

If you start to see mounds of dirt scattered around your lawn, there's a good chance you have a mole infestation. If you want to know how to get rid of moles in your yard, you may find some helpful tips in this article.

1. Get rid of their food source.Moles love eating insects. So, eliminating them from your yard can stop moles from wanting to visit. After all, who likes visiting places with no food?
   Insecticides are a great way to keep your yard bug-free. However, they can kill your grass if used incorrectly. Be sure to pay close attention to the instructions.
   
2. Try home remedies.Castor oil can be a great way to get rid of moles in your yard. Apparently, castor oil upsets their digestive tracts. Home Depot and other online sources note that castor oil does not kill moles, however.
   To create a castor oil-based mole repellant, it's suggested to mix three parts castor oil with one part dish soap. Then, add four tablespoons of the mix to a gallon of water.
   Pouring the mix into the entrance of the moles' tunnels will encourage them to leave, since they can't stand the castor oil.
   If you don't want to create a repellant mix yourself, you may find that buying one is a great alternative.
   
3. Use plants and rocks to create barriers.Plants like daffodils and marigolds produce a scent that's said to deter moles. They look good too, which can make the investment well worth it for some people.
   You can also dig trenches near the area the moles like to hang out, then fill them with rocks. The rocks are likely to stop the moles in their tracks and send them back the way they came.
   
4. Irriate them.Moles like areas that are peaceful and quiet. Any disturbances can cause them to flee. There are sonic spikes you can insert into the ground that use electronic pules to create sounds moles hate to hear.
   If you have any pets, you can also have them treat the moles holes with urine. It may sound wild, but the scent can do a great job of making moles leave.
   It's also one of the least invasive methods on this list, so it may be worth a try.
   
5. Trap and release.There are traps you can use to capture moles without killing them. This is called a trap and release. If you opt for one of these, be sure to carefully read the manufacturer's instructions to ensure the safety of all parties involved.
   
   Each of these methods is a potential solution for handling mole activity. Please use your best judgement in determining the best way to get rid of moles from your lawn.
   
   Once you succeed in removing the moles, you may have some patching up to do. If so, you may be interested in our list of front yard landscaping ideas.
   

If you're looking for A Better Insurance Experience®, you can get a quote with Foremost® today!

You probably don't want to go camping in a camper infested with mice.

They can cause all kinds of trouble, including damaging your furniture or belongings, chewing wires or even getting into your food! Not to mention, they can carry parasites and diseases too. But how you do keep them out?

This article will provide some suggestions.

How to mouse proof a camper. Before trying to mouse proof your camper, it's important to know how they get in in the first place.

Here are a few places a mouse could squeeze through to nest in your RV:

• Holes in the floors
• Cracks in the doors
• Cracks in the walls
• Gaps around wires and plumbing

Mice can squeeze through almost any small opening.

Mice are said to have flexible rib cages which allow them to flatten themselves out and fit through small spaces. Typically, if their head can fit through a space, the rest of their body likely can too. Knowing where those openings are in your camper is key to keeping mice out.

Here are some strategies you can use to keep mice out of your camper:

1. Close up any access points. You'll have to examine your entire camper very carefully, both inside and out.
   When you find access points, you can close them up with:
   • Steel wool
   • Spray foam
   • Mesh screens
2. Keep your food put away. This one might be a given, but you should never leave food out if you want to keep mice away.
   If you're in your active camping season, it may be too much work to keep taking 100% of your food out every time you leave your camper. But removing anything that you can’t reseal is a good idea.
   And sweeping up crumbs off the floor can go a long way.
3. Use mice deterrents. Mice deterrents are solutions with smells that mice don't like. Some options include:
   • Mothballs
   • Peppermint oil
   • Fabric softener sheets
   • Professionally made products
   Professionally made products may work best, but consider doing in-depth research on multiple solutions to determine which one(s) you want to try.
4. Keep it light and bright. Mice are nocturnal, meaning they enjoy the dark.
   You can consider using small nightlights in your RV, to make it less attractive to them. You can also consider having bright lights on the outside of your RV, so they never want to come near in the first place.
   Now you know how to keep mice out of campers (or at least how to try), but what if they're already in?

How to get rid of mice in a camper. Some options include:

• Mouse traps
• Rat poison
• Glue traps
• A professional exterminator

These methods, like many others, each have pros and cons.

For example, some of the ones listed above can be cruel and even fatal for mice. We recommend using humane mouse traps or calling in a professional exterminator whenever possible.
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And of course, you should always do your own in-depth research to decide which one you want to use.

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​Is clutter overpowering your manufactured home? Here's a list of some things you can do to optimize the space you have.

Use bookshelves as dividers

You can divide one room into two without making structural changes by making use of a free-standing bookcase – and at the same time, gain added space not only for books but for utilitarian, decorative and collectible items. For example, a bedroom can be divided to retain the sleeping area on one side and a study on the other. Since most bookcases are meant to be placed against a wall, the backs may be unfinished. Solve the problem by coverage the back with panels of colorful fabric that coordinate with your room's décor.

Create a multi-purpose room

Even available 6 x 9 space can be converted into a combination office, hobby, sewing and ironing room. Set one side apart for the office, to include a desk built of 2x4s and Mylar-covered hard-board. You can store account books and business papers in stackable plastic vegetable bins above the desk and in a plastic storage box beneath the desk. Mylar-covered work surfaces are also used on the sewing/laundry side of the space, along with additional plastic storage drawers (using contrasting colors for opposite sides of the room) for fabrics, patterns and thread. Hang the ironing board from the wall hooks when not in use; poles can be positioned above the work surfaces from which to hang laundry.

Make use of screens

A folding floor-to-ceiling screen can serve both a decorative and a practical purpose. For example, a three-panel screen designed with picture frames can display family memories and conceal storage space.

Guest towel display

If having plenty of hand towels available for guests is a problem, here's an idea you may find useful. Roll up the towels like magazines and store them in a wine rack. It's a colorful way to display towels and they're always handy. Depending on the weight of the wine rack you choose, the rack can be hung from the wall, or simply set on the toilet tank.

Enjoying your memories

If you have a drawer or box filled with memorabilia, but never seem to get around to organizing it, here's a tip that will make the project fun. Put the items in a photograph album or scrap book. Whatever kind of book you use, make sure the pages are acid free so your memorabilia will be safe.
Not only will assembling the book be fun, but then you can share the scraps of family history with guests and friends!

Storage trunk

An antique trunk is a sure bet for great storage. Trunks are available at antique dealers and estate sales, sometimes quite reasonably priced. You might need to paint or refinish the trunk. If the inside needs attention, clean it and put adhesive-backed vinyl or wallpaper in as a liner. Add a couple of sachets, and you can store blankets, spare bedding for a fold-out sofa, off-season clothing or hobby and crafts materials. Depending on its size, the trunk can be used to hold a television, stereo components, plants, or even as a coffee table.
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July may be UV Safety Month, but that doesn't mean I'm going to not care about UV safety the other 11 months of the year. Sun safety needs to be considered every day—even if it is cloudy outside. And in Texas, that starts early!

As the saying goes--your skin is your largest organ, you better take care of it. Doing so is fairly simple; and you can probably recite the following recommendations from the Centers for Disease Control and Prevention (CDC) without even clicking on the link. Indulge me while I reiterate:

• Seek Shade. This is one of the easiest ways to reduce your skin damage and skin cancer risk, especially if you are outside between 10 a.m. and 4 p.m.
• Cover Up. Wear clothing to protect any exposed skin, even in the shade. This means a hat with a brim all the way around, sunglasses with UVA/UVB (broad spectrum) protection and clothing made of a tightly woven fabric.
• Lather Up. This is the most important, even if you're in the shade and covered up, you should put sunscreen on before you head outside. Not just any sunscreen, but a broad-spectrum protection product with a Sun Protection Factor (SPF) of at least 15. Make sure it's not expired too.

Now just because you've done these three things, you're not in the clear. If you had been, you wouldn't be nursing that sunburn. You need to reapply. Sunscreen wears off, washes off and sweats off. Put it on again if you've been out for more than two hours. And while being in the shade is good; know that if you're sitting on a light-colored surface (e.g., water, sand, cement, etc.) you could be getting hit by a reflection of the sun's rays.
According to the American Cancer Society, skin cancer (including melanoma and basal and squamous cell) is by far the most common cancer diagnosed every year. Even though a few physical traits can make some people more susceptible than others, anyone can get it. Before you go outside, whether you're on your boat, camping in the woods or gardening in the back yard, find out what your UV index will be for the day. That way you can take the appropriate precautions to keep your skin healthy.
Join me under my sun umbrella; the view's quite nice here.

Content provided by Foremost Insurance.

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.

1. Remove any standing water from your yard.Water is where mosquitoes like to lay their eggs. Look for buckets, empty planters, dishes, old tires or unused kiddie pools, and turn them over or put them away. If you have a bird bath, change the water often or add a small pump to circulate the water. Lastly, clean out those rain gutters so they don't retain water and become a mosquito breeding ground.
2. Grow mosquito repellant plants.Believe it or not, mosquitoes hate the smell of certain plants and herbs, such as lavender, basil, lemon balm, rosemary and marigold. Plant these natural mosquito repellents in your garden as a natural alternative to keep those pesky mosquitoes out of your yard.
3. Replace your outdoor lights with yellow bug lights.These lights are supposed to attract fewer mosquitoes than your regular everyday lights. While these lights aren't necessarily repellents, they can help to deter mosquitoes and other bugs away from your home.
4. Use "mosquito dunks" for any water you can't drain.If you have a pool, fishpond or ditches around your home that contain water, dropping a "mosquito dunk" in there will release a natural larvicide that kills mosquito larvae. You can purchase this product online or at your local home improvement retailer.
5. Keep your grass mowed and shrubs trimmed.Mosquitoes love to hang out in tall grass and weedy areas, so be sure to mow your lawn regularly and remove weeds and dead plants from your landscaping.
6. Use a fan to create a breeze.Mosquitoes hate any kind of wind since they are weak fliers. Plus, since mosquitoes sense when a human exhales carbon dioxide (which is what makes them realize a human is around), a fan will also help by dispersing that scent.
7. Use a carbon monoxide mosquito trap.Tip number six segues nicely into this one, which is using a CO2 trap since we now know mosquitoes are attracted to it. This type of trap mimics human or animal breath by releasing carbon dioxide gas. Please note: The CO2 mosquito trap should not be used indoors under any circumstances.
8. Use chemical repellents.If you walk into your local hardware store, you should find plenty of mosquito repellent options for your yard. Some will be natural, other companies will use chemicals, so it's up to you to decide which route you want to go. If you don't think you can handle this on your own, you can call a professional to come spray your yard and foliage, which might be the most effective solution.
9. Place bug zappers around your yard.These nifty devices attract bugs by using a UV light, and when they get close enough, they will get electrocuted.
10. Put some type of insect repellent on your body.This is the most common method people will try to repel mosquitoes away from them. You can find your typical bug spray that contains DEET at most stores, and this method works fairly well. However, if you'd like to go a more natural route, there are essential oils with scents that are known to repel mosquitoes, such as rosemary, thyme, lavender and peppermint.

Whichever route you decide to go, we hope these tips will help you enjoy the summer months!


Looking for A Better Insurance Experience®? First Community Financial Group is a Foremost Ins. agency. Click the Contact button at the top of the page for a free quote today!

Before applying paint, paper or other covering to your walls, you need to repair any holes.
Before you get startedFill nail holes and small punctures with spackling compound. When dry, sand lightly. If the hole is next to an electrical outlet, you may be able to conceal the damage with a larger outlet box or an oversized outlet cover plate. For larger holes, you will need to patch the damaged area.
CAUTION! Determine where the electrical wiring is located before cutting into a wall.
Small Dry Wall Patch HolesIf the hole is no bigger than two inches, repair with fiberglass tape. Stretch tape across the hole. Apply two or three coats of joint compound and sand between coats.
Step 1: Enlarge and Square UpCut a square area larger than the hole with a utility knife or keyhole saw.
Step 2: Prepare Backer BoardsCut two backer boards so they are 2 to 3 inches wider than the hole.
Step 3: Secure Backer BoardsPlace a backer board inside the hole at top edge. Secure with 1-1/4 drywall screws, holding the board in place as you work. Tighten until screw heads are below the surface. Place second backer board inside lower edge of opening. Secure with screws.
Step 4: Install PatchCut patch to fit opening. Screw patch to the backer and tighten until screw heads are below the surface.
Step 5: Tape SeamsApply strips of fiberglass tape over seams.
Step 6: Apply Joint CompoundCover tape with a thin coat of compound. When dry, sand lightly. Apply two more coats. Feather and sand each coat until the surface is smooth.
Patching Large HolesFor holes larger than 8 inches, cut drywall back to middle of the studs bordering the hole. Butt backer boards to studs and secure behind drywall with screws. Fit patch into opening. Secure to the studs and backer boards with screws. Finish with fiberglass tape and joint compound.
Materials you will need:

• 2 pieces of 1 x 3 inch scrap wood for backer board
• Drywall scrap for patch
• 1 and ¼ inch drywall screws
• Self-sticking fiberglass tape
• Joint compound
• Fine-grit sandpaper

Tools you will need:

• Measuring tape
• Utility knife or keyhole saw
• Wood saw
• Screwdriver
• 6-inch taping knife

Content furnished by Foremost Insurance.

Whether you bought a new or used mobile home, odds are that when you purchased it the design wasn't exactly what you wanted. Builders may not use the most high-end materials on new builds, and if it's an older model, it may be time for an update. If you ever plan to revamp a room in your mobile home, consider starting with the kitchen. It can make your mobile home look more modern, and they can have some of the best return-on-investment rates.*
If you're not sure where to start in your kitchen or if you're looking for inspiration, you're in the right place. Foremost® has done some research for you and put together a list of ideas you can use to give your kitchen a more updated look!

• Paint your cabinets.
  This can be a great option to give your kitchen a completely new look. If it's in your budget, consider having professional painters do the job. However, if you're up for the challenge, there are plenty of step-by-step tutorials online that explain how to prep and paint your cabinets. You can definitely save some money if you go this route, but it is not an easy task!
• Add an island.
  This could be a nice way to add more counter space without doing extensive work. We've learned that there is such a thing as a mobile kitchen island. They have wheels and will allow you to move the island where you need it. There are a wide variety of styles to choose from, so you are likely to find one that matches your kitchen.
• Update the lighting.
  Switching out your light fixtures can be a game changer. Replacing the light fixtures with more decorative options is a simple change that can make the space look trendier, more unique and improve the overall style of your home. If you want to save a few dollar bills on your electric bill, consider going with energy saving LED lighting.
• Paint the walls.
  This can be an inexpensive way to change the look of any room. With kitchens, you typically want to brighten up the space, so you may want to go with a lighter color. The wall color will depend on what your cabinet colors are, so make sure you pick one that pairs nicely. White is timeless (and popular right now), so that is a color you can't go wrong with!
• Install backsplash.
  Adding backsplash to your kitchen or switching out your current backsplash can instantly give the space a facelift. If you're into DIY projects there is plenty of free information and videos online that explain how to install it. However, if it looks too intimidating, it may be best to get it professionally installed.
• Switch out the hardware.
  Replacing the knobs and handles on your kitchen cabinets is an easy, inexpensive way to give your kitchen a new look! There are tons of different colors and styles to choose from; you can visit your local hardware store to see what your options are or search online.
• New window treatments.
  Giving your windows a more polished look can really complete the look of your kitchen. There are certain styles that are popular for kitchens right now and will be sure to make a statement in the room whenever you have guests over. Window treatment styles to consider are: Roman shades, faux wood blinds, wood shutters and roller shades.

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We hope some of these suggestions fit into your budget and give you the motivation to get started. Good luck on your DIY journey!

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!