Wednesday, December 7, 2016

Travel Mistakes I have made -- read this to avoid my misfortunes!

As the holiday’s approach – travel is often in ones future – whether it’s traveling on a freeway to a relatives house or on a plane to some far off destination. We commonly make serious mistakes as we travel – whether during the Holiday’s or as the Europeans would say on Holiday we often make these mistakes:
1. Overpacking
At home, with your complete closet available, there's no reason not to run through work, workout and going to dinner clothes in one day.
But when your life is crammed into a couple bags, your willingness to wear outfits or clothes a second or even third time is OK!
Take it from me who has been called “Pig Pen” for wearing the same shirt, socks, pants and even underwear more than once – when traveling why would you want to pay an extra $25.00 – $50.00 for a second pair of pants when one will do the trick!
So, those socks and underwear you wore on the plane should be good for another go.
According to a recent survey by Travelodge, two-thirds of travelers typically return from a trip with at least six unworn outfits. SO DON”T OVERPACK – save time and money!
2. Not buying something you like as soon as you see it
You think you're gonna circle back to that shop. I am so guilty of doing this --- I cannot tell you how many times I should have just purchased that trinket to remember my trip when I saw it.
You think you'll see a cheaper, better version somewhere else.
You won't.
When you see something you like, just buy it and live without regret.
3. Not checking your phone plan before traveling abroad
What you call "international roaming" your phone carrier calls this "JACKPOT!"
A week of texts from Bermuda or St. Lucia shouldn't cost more and hurt worse than open heart surgery. But it happens all the time to travelers who fail to check their phone plans before departure.
There are quite a few great APPS for your phone to deal with this issue – all are inexpensive and some are free.
4. Taking the "super" shuttle
Wait on the curb for a ride in a sweat-soaked van and risk being the last one dropped off on a nine-hotel run, all in the name of saving a few bucks?
Your time is worth more than that.
I HAVE FALLEN FOR THIS MORE THAN ONCE! In the end – it is easier and faster to pay a couple extra bucks for a cab ride. Who wants to sit in a van as they drop off 15 passengers to 15 different hotels and if you like me mine is always the last one on the run!
5. Thinking you know the perfect time to book a ticket
My wife is super guilty of this move! She is often waiting like a cat to pounce on that low fare to wherever. Sometimes she is dead on and lucky she booked it when she did – other times the fare drops hundreds of dollars and we pay more because of her great planning.
Bottom – line – no one really knows how the airlines work to set fares – so if the price looks good and fits your budget to travel – “book it Dano!”
6. Not changing money at the airport
When traveling internationally, the conventional wisdom is that only amateurs change money at the airport, because the exchange rate for foreign currency will be better in town.
It usually is, but often not by that much.
So you end up spending that American Dollar that is worth more on taxi’s and tips to get to your destination so you can change your money at a slightly higher rate.
I have made this mistake too and even to the point of telling myself not to make this mistake and invariably I do it – often because I want off the plane – and start my vacation.
7. Not buying the full insurance policy
If you actually end up needing the travel insurance you purchased, you're going to want the full coverage. I know – I know – it can be expensive.
Just because you're in a country where the beer is cheap, it doesn't mean the healthcare is.
That bargain insurance policy might pay for your flight home when you crash your motor scooter on a winding road in Bermuda.
BUT –
But it won't cover the $$$ you will pay for stitches nor the trip to the emergency room!
Check your personal insurance before departing to see what it covers and if it does not cover international travel – you might want to consider that full coverage option we all have a tendency to decline!
8. Not printing out reservation details
They're already on your phone and computer, so why bother with hard copies of your hotel name and address?
Because your phone, computer, tablet and other electronics might not work with the local network as soon as you land, especially after crossing oceans.
Now where are you supposed to go?


These are just a few travel tips as we embark on one of the busiest travel months leading up to the holidays. Take it from me – if you make these mistakes there will be nothing Merry about that Holiday travel to see family and friends!


As always – give me a call for any insurance needs – if you think your paying too much you probably are! – 440-527-0304!







Friday, December 2, 2016

WHOA -- WINTER IS COMING ARE YOU READY??

Image result for winter snow storm imagesWith plenty of snow and cold temperatures predicted for the northern United States this winter, it is important to prepare your home and review your insurance coverage according to the Insurance Institute.
The 2016 Farmers Almanac predicts snowier conditions than normal for the northern and central Great Plains, New England and parts of the Ohio Valley. In the Northeast and Mid-Atlantic states, the winter skies will be stormy and likely to drop a good amount of snow.
Water damage, which can be caused by snowy conditions, and freezing account for almost 22 percent of all homeowners insurance claims and are the third-largest cause of losses, behind only hurricanes and tornadoes. Winter storm related catastrophes in the U.S. caused $2.3 billion in insured losses in 2014, up from $1.9 billion in 2013! From 1994 to 2013 winter storms resulted in about $27 billion in insured U.S. catastrophe losses (in 2013 dollars), or more than $1 billion a year on average, according to Property Claim Services (PCS).
Standard homeowners and renters policies cover winter related damage, such as that caused by burst pipes, ice dams and wind, as well as damage caused by either weight of ice or snow.
Coverage for flooding, including flooding caused by melting snow, is available from FEMA’s national flood Insurance program (NFIP). Melting snow can also overburden sewer systems, causing raw sewage to back up into the drains in your home. Backed up sewers can cause thousands of dollars in damage to floors, walls, furniture and electrical systems. Sewer back up coverage can be purchased either as a separate product or as an endorsement to your homeowners or renters policies. I always include this coverage and make my clients tell me to remove it! Check your homeowners policy to make sure you have this included!
Beyond making sure they have the proper insurance coverage, there are also steps homeowners can take to protect their homes before the official start of winter on Monday, December 21, 2015.

Outside Your Home

    Clean out gutters. Remove leaves, sticks and other debris so melting snow and ice can flow freely. This can prevent ice damming, a condition in which water seeps into the house, potentially damaging ceilings and walls.
    Install gutter guards to prevent debris from entering the gutter and interfering with the flow of water away from the house and into the ground.
    Trim trees and remove dead branches. Ice, snow and wind can cause weak trees or branches to break and damage your home or car, or injure someone walking by your property.

Inside your home

Tune up your furnace!  -- It is always a good idea to change the filters and get an expert to inspect and prepare your furnace for the coming winter months!

Reverse your ceiling fans!  --- Yes there are two modes on a ceiling fan -- one for winter and one for summer -- Make sure your ceiling fans are set for winter!

Caulk windows and doors ---  A 6 dollar tube of caulk can save you $100's this winter -- take some time to caulk windows and doors.

Fireplace CLEANED -- if you have one make sure it is professionally cleaned to prevent chimney fires!


These are just a few tips -- as always if you want more information or simply need a quote call me at 440-527-0304!  

STAY WARM MY FRIENDS!

Source: Insurance Information Institute