Do You Know How To Do The Tire Tread Penny Test?

Tire Tread Penny Test

Tire Tread Penny TestThere seems to be a tip or trick to everything these days. But have you ever heard of the tire tread penny test? You can use a penny to check if it is time to replace your tires. Yes, you read that right, a penny! Here’s how it works.

Tire Tread Penny Test

Conduct the tire tread penny test by placing the coin upside down with Lincoln facing you in the center of the tread. 

  • If you can see the top of Lincoln’s head, replace your tires immediately. 
  • If Lincoln’s hair is partially visible, start comparing tire prices, as you will need new ones soon. 

Use the following tops to help keep your tires in the best shape possible

  • Rotate your tires from the front to the rear in pairs. 
  • If you drive a four-wheel drive or all-wheel drive vehicle, replace all four tires when it is recommenced in your service manual. 
  • Since tires do not wear evenly, perform the tire tread penny test at several points from the outside to the inside of the tires. 
  • Test and replace your tires at the same time. 
  • Always keep your tires properly inflated. 

Your cars performance is essential to both it’s safety and its efficiency. Make sure your tires are in good condition and replace then as soon as they show too much wear. 

How To Prevent Ice Dams and Homeowners Insurance Claims

prevent ice dam

prevent ice damThis crazy up and down weather we’ve had lately can really reek havoc on our homes. Between the arctic chill and freezing pipes, to the heat wave and snow melt we don’t know if it’s Winter or Spring. One think to keep an eye on is your roof. All this thawing and freezing can create ice dams on your roof which can lead to major water damage.

What is an ice dam?

An ice dam is a ridge of ice that forms at the edge of a roof. It prevents melting snow and water from draining off the roof. The water that does not drain can leak into your home and damage your walls, ceilings, insulation and other areas. Ice dams are typically caused by uneven heat loss from your home in wintry conditions such as snow, heat melting the snow, and cold temperatures re-freezing melted snow. A common cause of heat loss is due to inadequate attic insulation or from warm air seeping into the attic from living spaces below. This causes the roof to warm and melt the snow and then re-freeze before the melted snow slides off the roof. If this cycle repeats enough you get an ice dam and water collecting behind it.

How To Prevent Ice Dams

There are steps you can take to help prevent ice dams on your home. 

  • Keep the attic well ventilated. 
  • Seal air leaks to prevent warm air leakage from plumbing vents, junction boxes from ceiling fixtures and attic hatches. 
  • Keep the attic floor well insulated to minimize the amount of heat rising into the attic from below. (between 16 and 22 inches of insulation).
  • Clean leaves and other debris from gutters before the first snow. This will help prevent ice buildup in your gutters. 
  • Consider using an ice shield under your shingles when your house is getting re-roofed. 
  • Use a roof rake to clear the snow above the gutter. Clear as much as three to four feet above the gutter to allow water to drain freely into the gutter.

Don’t let this crazy Ohio weather turn into a disaster for your home. Ice dams can cause serious damage to your home which can turn into a large homeowners insurance claim. Take the extra time before the bad weather to do the necessary preventative measures. 

Share this information with your friends and family to help them prevent ice dams. 

The Mid-Ohio Youth Mentoring Comedy Benefit Show Is This Saturday!

Mid-Ohio Youth Mentoring

Mid-Ohio Youth MentoringMid-Ohio Youth Mentoring, formerly known as Big Brothers Big Sisters of North Central Ohio, is a well known local program. They have mentored children, ages 5 through 16, in communities across Mid-Ohio for the last 23 years.

Visiting their website you can see their mission

“Our mission is to provide youth in our community with a mentor that supports, encourages, and provides opportunities, that will help them achieve success in life.” 

In order to make their mission successful, they need donations. One popular event they hold annually is the Mid-Ohio Youth Mentoring Comedy Benefit Show. This year’s show is Saturday February 10th at 7pm. (A perfect event if you are looking for something to do with your Valentine!) To get your see more details and purchase your tickets, visit their website. 

https://www.midohioyouthmentoring.com/calendar/2018/02/10/comedy-benefit-show

Help us support them by spreading the word. 

What to Do After an Auto Accident

Auto Accident1

Auto AccidentYou’re away at college, finally “on your own” and enjoying your freedom. It’s been a long day of studying at the library and your driving back to the dorm when out of nowhere, a car runs a red light and it heading straight towards you! You swerve to avoid getting hit, jump the curb and hit a tree. Mom and dad are 2 hours away so you’re left to figure this out on your own. Luckily before you left home, your parents scheduled an appointment with their insurance agent to have the conversation about what to do after an auto accident. You rack your memory and remember the steps you went over.

 

Stay Calm

Accidents happen quickly and can be upsetting. Take a deep breath and use a clear head when talking with other drivers or passengers involved in the accident. It may be tempting but do not argue. 

Prevent additional accidents

If you are able, move damaged vehicles to the side of the road. Warn oncoming traffic with a light, flag or similar device.

Help the injured

Do not render first aid unless you are trained. Call 911 if anyone is injured and provide the dispatcher with as much detailed information as possible. 

Call the police

Even if there is not much damage, you should call the police. Don’t discuss what happened with anyone except the police.

File a report

In the event that the police are unable to respond to your call, you’ll need to go to the nearest police station and file an accident report.

Take pictures or write down accident information

Make a note of what happened, when it happened and where it happened while it is fresh in your mind. A couple days after the accident you may need to answer questions and be unsure or unable to remember each detail. 

Call you auto insurance agent

Call you agent as quickly as possible so they can assist you with the claim. They can help with recommending an auto repair shop, scheduling a rental car if needed and review coverage with you so you have a complete understanding of what you will need to pay for out of pocket

Because of the time you spent with your parents and their insurance agent, you were able to keep a clear head, not get into a disagreement and handled the task at hand with ease. Accidents are stressful enough as it is. By taking the time to understand what you need to do just in case you can make things much easier on yourself. Annual appointments with your insurance agent are beneficial by helping to ensure you not only understand what you need to do but to ensure you have the coverage to fit your individual needs. 

Please share this information if you found it helpful

 

Do You Have A Healthy Thyroid?

Healthy Thyroid

Healthy ThyroidDid you know January is Thyroid Awareness Month? How is your thyroid health? Have you ever had yours checked? Don’t worry if you are unsure of the answers to those questions. We have some simple answers to put you on track to a healthy thyroid. 

What is a thyroid?

The thyroid is a small, butterfly shaped gland located at the base of the neck. It helps control the function of many important organs, including the heart, brain, liver, kidneys and skin. It mostly helps to set the metabolism. 

“An estimated 20 million Americans have some form of thyroid disease. Up to 60% of those with thyroid disease are unaware of their condition.” – American Thyroid Association

There are 2 types of thyroid diseases.

Hyperthyroidism

This disease refers to an overactive thyroid gland, which produces too much thyroid hormone. Symptoms include: 

  • Goiters
  • Enlarged thyroid
  • Rapid heart rate
  • Nervous, anxious or irritable behavior
  • Trembling hands
  • Unexplained weight loss
  • Heat intolerance
  • Increased sweating
  • Hair loss
  • Diarrhea 
  • Sleeplessness
  • Decreased menstrual flow or impaired fertility

Hypothyroidism

This disease revers to the under active thyroid gland, which produces less than the normal amount of thyroid hormone. This slows metabolism and the following may occur:

  • Fatigue
  • Unexplained weight gain
  • Dry skin and hair
  • Difficulty concentrating
  • Increased cholesterol
  • Intolerance to cold
  • Constipation
  • A heavier menstrual flow

Risk Factors

Risk factors for thyroid disease include.

  • Being female –  Women are five to eight times more likely to suffer from a thyroid disorder than men are. 
  • Age –  Thy Thyroid Foundation of America recommends that women get annual thyroid hormone level tests yearly starting at age 50. Men should as well beginning at age 60. 
  • A family history – If the disease runs in the family, testing every five years after age 35 is recommended.
  • Pregnancy – Thyroid conditions can arise after giving birth.

What can you do?

A healthy thyroid starts with early detection. Annual checkups and preventive visits are usually covered by your health insurance at no cost or a low copay to you. If a problem with your thyroid is detected, it can usually be treated with prescription drugs, radioactive iodine therapy and/or surgery. Together you and your doctor can determine the best treatment for your specific situation. 

Click here to learn more about health insurance. 

Please share this article if you found this information helpful. 

 

 

Liquor Liability Insurance And 4 Reasons You Need It

Liquor Liability Insurance

Liquor Liability InsuranceIt is common for businesses such as restaurants and clubs to serve some sort of alcohol. With the availability of alcohol, also includes the possibility for issues. Fights, careless behavior or automobile accidents caused by individuals who have consumed alcohol are always a risk. While you can’t control other peoples behavior, you can make sure you and your business are protected. 

What is Liquor Liability Insurance?

Liquor liability insurance is designed to protect a business that sells or serves alcoholic beverages. This type of insurance covers damages that result incidents by individuals who have consumed alcohol. It protects you should your clients or patrons sue your business for damages related to their intoxication. This is not something a general liability policy would cover. 

4 Reasons You Need Liquor Liability Insurance

  • A method for businesses to meet legal requirements. Depending on the type of business you have and it’s location, it may be legally required to carry liquor liability insurance. The strictness of legal requirements differ from location to location. A businesses location can have a major impact on how your liquor liability insurance is priced. Be sure to speak with an insurance agent to ensure you have the correct levels of coverage. 
  • Protect against unruly customers. Alcohol can alter peoples state of mind and make your patrons behavior unpredictable. This can lead to fights or other dangerous situations. Liquor Liability Insurance is designed to protect businesses from these situations and is a must for businesses that serve or sell alcohol. 
  • Legal fees and court cost reimbursement. In the event of a liquor-related claim, legal fees and court costs can add up quickly. Without liquor liability insurance your business could be on the hook for the legal fees. Defense costs itself can be a huge financial burden for even the most profitable businesses. 
  • Coverage for employees. Even if you require your employees to serve liquor responsibly, there’s a chance they may disregard your instructions. Liquor liability policies can cover your employees’ improper actions and better protect your business from liquor-related incidents. Also, some insurers provide training and risk management strategies to policyholders to help educate businesses and employees as well as lower overall liquor liability exposures. 

When serving alcohol, the best way to protect your business from potential claims is through proper risk management and liquor liability insurance. These policies can be complex so it is important to discuss your options with a qualified insurance broker. 

Please contact our office to talk to an agent today about your options

 

Mansfield’s Renaissance Theatre Is Celebrating A 90 Year Anniversary!

Renaissance Theatre

 One of those is also a local landmark, and they are celebrating their 90 year anniversary! Mansfield's Renaissance TheatreBeing a business member of a community not only means helping individuals with their needs, but helping out and recognizing fellow businesses for their accomplishments. Our community is fortunate to have numerous long standing businesses. One of those is also a local landmark, and they are celebrating their 90 year anniversary! Mansfield’s Renaissance Theatre opened January 19, 1928 in near blizzard-like conditions and is still open today. 

Anniversary Weekend Celebration

In honor of this anniversary, they are offering a special 90th Anniversary Weekend January 18th-20th. The celebration will include a showing of The Shawshank Redemption, an interactive Murder Mystery at the Ohio Theatre, and a 1920s garb celebration. 

You can find more information about the Renaissance Theatre and their events by visiting their website at: www.mansfieldtickets.com

All of us here at Rinehart Insurance say congratulations on this 90th Anniversary! 

 

 

A New Year’s Resolution For A New You

New Year's Resolution

New Year's Resolution

Many people choose the new year to make changes in their financial and personal lifestyle. Whether you want to save more money, get out of debt, loose weight or start a healthier lifestyle; the start of a new year with a new year’s resolution is the way to go for many. We have some tips that will help you begin this new year off strong. 

 

A new year’s resolution for financial stability

Financial stability starts with reviewing your current financial resources. This is important because your current finances affect your ability to reach your goals and protect those goals from potential financial crisis. These are the resources you will draw on to meet various life events. To start, calculate your net worth – this isn’t as difficult as it might sound. Your net worth is simply the total value of what you own; your assets, minus what you owe; your liabilities. This gives you a snapshot of your financial health. 

First, add up the value of all your assets. This includes personal possessions, vehicles, homes, checking and savings accounts, and the cash value (not the death benefit) of any life policies you have. Include the current value of investments, such as stocks, real estate, certificates of deposit, retirement accounts, IRAs and the current value of any pensions you have. 

Now add up your liabilities: the remaining mortgage on your home, credit card debt, student and personal loans, taxes due on the profits of your investments if you cashed them in, and any other outstanding bills. Subtract your liabilities from you assets. Do you have more assets that liabilities? Or more liabilities than assets? According to Forbes Magazine “If you have $10 and no debt, you are richer than 15% of American Households put together.”

Your goal is to create a positive net worth, and to have it grow each year. Review this number yearly to monitor your progress. Make a monthly budget to help keep yourself accountable for your spending.  Websites like Mint.com help you keep track of your income, expenses and net worth on a daily basis. 

A new year’s resolution for a healthier you

There are numerous ways to create a healthier you. Healthy portion sizes and making time for fitness are two common ways to accomplish that goal. 

Healthy Portion Sizes

  • A serving of meat is about two or three ounces – about the size of a deck of cards, or the palm of your hand. 
  • One serving of grains is equal to one slice of bread, one ounce of cereal, or 1/2 cup of pasta or rice. 
  • A serving of fruit or vegetables is equal to one piece of fresh fruit or vegetable, 1/2 cup chopped, or 3/4 cup of fruit or vegetable juice. In general, it’s not as necessary to be vigilant about vegetable and fruit intake, as any amount is healthy – just make sure you’re getting enough while being aware of the sugar content in fruit. 
  • The key to any meal is to have 75% of your plate covered with vegetables and 25% covered with meat or pasta. 

Make Time For Fitness

  • Park your car far away, and walk farther to your destination.
  • Participate in a charity run, walk or bike event. 
  • Take the stairs instead of the elevator or escalator. 
  • Squeeze a stress ball while at work to relieve tension. burn calories, increase flexibility, and improve blood flow. 
  • Exercise during your lunch hour, even if it’s just a walk around the block or up and down a flight of stairs. 

Getting even 20 to 30 minutes of exercise per day will improve your health. It will also make you feel better overall and can be fun. 

Set yourself up for a successful new year

In conclusion, the point of a new year’s resolution is to make changes in your life. Make sure to set reasonable goals and don’t set unrealistic expectations. You don’t want to start off the new year with a goal that is impossible to reach. There are numerous resources available online and as an app that can help you along the way. Budget websites and apps, workout videos and apps, even calorie counters are easily accessible and will help you along the way. 

Most of all, stick with your goals and you are on the right track to a new you! 

 

 

The Key To Preventing Slips And Falls

Sips and falls

slips and fallsA janitorial employee was scrubbing the steps and floors with water and a cleaning agent. An observant worker realized that soon, dozens of employees would be going down these steps for their lunch break. This person then took the proper action to avert this potentially dangerous situation and set up a wet floor sign.

Do Your Safety Part

Slips and falls account for millions of work-related injuries every year, and an unguarded wet floor is just one of the many possible causes. It is important to spot unsafe conditions that could lead to slips and falls, and do what you can to prevent them.    

There are various ways to suffer slips and falls while working. You can slip and lose your balance, you can trip over objects left improperly in your walkway, or you can simply fall from an elevated position to the ground. To avoid slips and falls, be on the lookout for foreign substances on the floor, such as:

  • Deposits of water
  • Food
  • Grease or oil
  • Sawdust
  • Soap
  • Other manufacturing debris

Even small quantities are enough to make you fall.

Good Housekeeping Counts

When entering a building from outside or from debris areas, clean your footwear thoroughly. Snowy and rainy weather requires a doormat at each entrance to allow for complete wiping of shoes. Avoid running, walk safely and do not change directions too sharply. 

Beware of tripping hazards. Trash, unused materials or any object left in aisles designed for pedestrian traffic invites falls. Extension cords, tools, carts and other items should be removed or properly barricaded off. If equipment or supplies are left in walkways, report it so the proper personnel can remove it. Also, keep passageways clean of debris by using trash barrels and recycling bins.

Practice Prevention

Walk in designated walking areas. Short cuts through machine or other manufacturing areas can cause accidents. Concentrate on where you are going – horseplay and inattention leaves you vulnerable to unsafe conditions. Hold on to handrails when using stairs or ramps. They are there to protect you should a fall occur. If you’re carrying a heavy load that hampers your ability to properly ascend or descend stairs, use the elevator or find help.

The worst falls are from elevated positions such as ladders, and can result in serious injury or death. Learn and practice ladder safety and the proper use of scaffolding. For example, when climbing, use a ladder of proper length that is in good condition. Keep it placed on a firm surface. Do not climb a ladder placed on machinery, crates, stock or boxes. Keep the ladder’s base one foot away from the wall for every four feet of height. Don’t over-reach. Always have control of your balance when working from a ladder. Never climb a ladder with your hands full, and always transport tools in their proper carrying devices.

Slips and falls occur every day. The extent of injuries and their recurrence can be minimized through proper safety knowledge, good housekeeping and practicing prevention.

Do I Really Need Dental Insurance?

dental insurance

In addition to providing you with a nice smile, dental care also ensures good oral and overall health. dental insuranceSeveral studies suggest that oral diseases, such as periodontists (gum disease), can affect other areas of your body. Affected areas include your heart. Regular dental exams, just like regular physical exams, are extremely important. However, these dental exams are not typically included in your medical benefits. That’s where dental insurance comes in. 

What is dental insurance?

Dental insurance is similar to regular medical insurance. The main difference is that it is designed to provide coverage for dental care. Just like your medical plan, you will typically have preventative care services coverage, as well as additional coverage for more involved procedures. A typical plan will have the following classes: 

  • Class 1 – diagnostic and preventative care (cleanings, exams, X-rays)
  • Class 2 – basic care and procedures (fillings, root canals)
  • Class 3 – major care and procedures (crowns, bridges, dentures) 

Some plans even go one step farther and offer an additional class: 

  • Class 4 – orthodontia (braces) 

How do I get dental insurance?

There are 2 ways to purchase dental insurance.

Some employers offer dental insurance as part of their benefits package. They may pay or portion of the premium, or the cost could be completely your responsibility. Regardless, if offered by your employer, they have elected a type of dental coverage to offer, and you can choose if you want to elect the coverage, or decline it. Depending on the size of the employer, they may offer a couple of benefits. However, it will still be the same concept. They pick the plan design and you choose if you want the coverage or not.  

Another way to get dental insurance is to enroll in your own individual policy. By enrolling in a plan this way, you pick what type of benefits you want. Your benefits will be based on your individual needs. You can then purchase the plan directly from an insurance company or by an insurance agent. We have plans available by clicking here

Regardless of how you purchase your dental insurance, understanding your benefits is important. The costs are associated with dental disease and surgery are high. Dental insurance can help reduce those expenses.