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This year, many of us got a much more up close and personal relationship with our families, our houses, and our things. And many of us realized: we have way too much of all three. While you can't get rid of your 6-year-old or your spouse, there are plenty of places you can go to unload excess stuff.
All business owners in Michigan need solid, affordable insurance, and many companies require multiple types. But what happens when something goes wrong and your insurance doesn't cover it? If the cost to pay for injury to others exceeds your policy limits, or worse, is excluded by the insurance policies you have, you could be stuck with potentially crippling out-of-pocket costs.
Recreational Vehicle (RV) sales soared during the pandemic, as stir-crazy families across the U.S. realized that road trips might be the safest and only way to get out of the house. And according to recent consumer reports, the trend shows no signs of slowing.
A garage is often the place we tend to dump things that we don't know what else to do with, and one that we rarely truly clean. Even after a year at home, when many of us have deep cleaned, purged, and organized our entire houses, the garage may still be filthy, full of junk, disorganized, or all three. So if you're ready to tackle this space, here's how to start (and finish).
Thinking of starting a business? You should know that the way you choose to structure your business for official and tax purposes matters. It can impact how much you pay in taxes, whether partners are allowed to participate in managing the business, and your amount of personal liability. Here are a few of the most common business types, and what you need to know about some of their major differences.
Schoen Insurance Agency, Inc. can help you consider the following six factors when determining an ideal car for your teenage driver.
Deciding what you want to be when you grow up is not as straightforward as it used to be. These days, it's not uncommon for people to switch careers multiple times, work in a field that is completely different from what they studied in college, or create a completely new job or business doing something that started as a hobby. So how do you know whether you're on the right path, and not just jumping from position to position? And how do you plan for and realize your goals when it's likely they will change over time? Here's how to plan for a successful career, even when the future is uncertain.
Utilities, such as electricity, water, and natural gas, allow us to complete the tasks of daily living. Now that working from home has become the norm, it's that much more important that these critical services work reliably, day after day. As the chances of extreme weather and natural disasters continue to increase, here's what you should know about maintaining your home utilities, and what to do if there's a problem.
If you're thinking about purchasing a new car, it makes sense that you might trade in your current vehicle to help you with a down payment. Or maybe you have a vehicle you no longer need and are just looking for a way to make some extra cash. But what's the best time to trade in your car so that you're getting the maximum benefit? And how do you decide? Here are a few things to consider before pulling the trigger on a trade-in.
Look at what you owe: If you still owe money on your current vehicle and that amount is more than the car is actually worth, then it may be better to wait. Even if you're itching to purchase a new vehicle, it doesn't make sense to do a trade-in when waiting a little longer will provide you with an obvious benefit. Exceptions would be if your car is in need of major repairs that are not worth the investment; if the car is no longer safe to drive or right for your family; or if you have the means to pay the difference.
Find your car's trade-in value: To start the process, you need to get a handle on what your car is actually worth. Use sources like Edmunds or Kelly Blue Book to get an estimate. Their detailed search engines will ask for the make and model of your car and the condition it's in, and compare prices around the country to give you their best estimate. If you're unsure how to describe your car's condition, it's always an option to get it appraised and having that official documentation might make you a more effective negotiator in the long run.
Shop around: You may get a substantially better offer from one dealer compared to the next, so it's smart to shop around. What you're able to get for your vehicle may also vary if you're planning to finance a new car for the trade-in.
Consider timing: Many experts say that fall is a good time to approach a dealer about a trade-in because they're looking to move soon-to-be outdated models from their inventory before the latest models come in. The condition of your vehicle also might be a consideration, it's better to do a trade-in when your car is still in decent shape and something other drivers will be interested in buying used.
Know when to sell: If you're looking to trade in your car quickly and without much fuss, and if you definitely plan to get a different vehicle in the process, a trade-in is probably your best option. But if you're looking to make a little money, selling the vehicle yourself is also an option. You're likely to get more than you would from a dealer by putting in a little more time and effort.
For any auto insurance questions, call or contact Schoen Insurance Agency today.
Thinking of starting a business? You should know that the way you choose to structure your business for official and tax purposes matters. It can impact how much you pay in taxes, whether partners are allowed to participate in managing the business, and your amount of personal liability. Here are a few of the most common business types, and what you need to know about some of their major differences.
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