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Spring is just around the corner, and it’s time to make sure your tires are ready to handle the curves. Accumulated debris, uneven roads and drastic changes in temperature (Michigan, no way!), can all affect their integrity. Routine tire maintenance will not only help you get the most out of your tires, but can also keep you safe while on the Oakland County roads.
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• Keep your gas tank at least half full to avoid gas line freeze up and ensure that you have extra “running time” if the weather is unfavorable. • Be sure you have the proper amount of antifreeze in your vehicle. Antifreeze works to prevent engine block freezing. • If door locks are frozen, be sure to warm the key or use a lock de-icer. Be sure to never combine heat with lock de-icer as it is flammable. Don’t pour warm water on the car as it may re-freeze, making the situation worse. • Schoen Insurance Agency, Inc. recommends warming up your vehicle for at least 10 to 15 minutes before heading out. Warming your vehicle allows oil and the engine to warm up, as well as the heat and defrosting systems. At all times, make sure the exhaust pipe isn’t clogged with snow, ice or mud. A blocked exhaust or exhaust system leak could cause deadly carbon monoxide to leak into the passenger compartment with the engine running. • Consider winter wiper blades and “no-freeze” windshield washer fluid. Motorists should replace worn wiper blades and always carry extra windshield washer fluid. • Protect your vehicle from the cold by using a garage if available. Heat from a recently driven vehicle’s engine will warm the ambient air in a properly insulated garage and make your vehicle easier to start in the morning; plus, your vehicle will also be clear of ice and snow. • Be sure your vehicle is fully equipped with a Michigan winter driving kit. The most important safety items are a fully charged cellular telephone and emergency road service coverage; small bag of abrasive material (sand, salt, “non-clumping” kitty litter); a small snow shovel; snow brush and ice scraper; traction mats; flashlight with batteries; windshield washer fluid; cloth or roll of paper towels; booster cables; blanket; protective clothing – heavy gloves, scarf, warm boots; warning devices (triangles); first aid kit. For all of your insurance related questions, call or contact Schoen Insurance Agency today.
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Just imagine this scenario: You're driving to work early one morning, and you stop at a red light in Highland. The driver behind you still has sleep in his eyes, and doesn't hit his brakes in time. He crashes into the back end of your car, not too hard, but hard enough to raise some concern, and maybe even a curse word or two. You both get out of your vehicles and when you check your rear bumper for damage and see not even a scratch, you shake hands, get back in your cars, and finish the drive to work.
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Sometimes, what appears to be an impenetrably solid roof above your head actually has little openings through which the rain can leak. The same is true of some car insurance and homeowner's insurance policies; they can appear to provide sufficient coverage, but, in the event of an accident of some sort, you may find yourself drowning in debt. To avoid getting soaked by surprising expenses, use an umbrella; umbrella insurance, that is.
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For a long time, most devoted exercisers have adhered to the rule that a sustained stretch of aerobic exercise-one that kept your heart pounding for at least 10 minutes-was what garnered the desired results: a healthy weight and a fit body, not to mention less money shelled out on health insurance co-payments!
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Download Home Inventory Worksheet (Excel) Keeping a home inventory is an important exercise that aids you in three ways:
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