Remember to set your clocks back an hour this weekend as “daylight saving time” will end. The official end of daylight saving time for 2013 is on November, 3 at 2AM. When 2AM roles around next Sunday you will have to set your clocks back one hour to 1AM, of course most people just set their clocks back when they go to bed on Saturday.
For most people this just means an extra hour of sleep but for the party animals it means an extra hour before the bars close. Whichever group you happen to fall into there is another good use for the time change; this is a reminder that it’s time to change the batteries on your smoke alarm sensors. Even though most smoke alarm sensors will chirp when the batteries are running low, why take a chance. You only need your smoke alarm to work once so it pays to keep them in good working order.



It’s called “pay as you drive” insurance and it’s catching on. This type of insurance involves installing a device on your vehicle which monitors such things as mileage, speed, time of day etc. Among other factors, insurance rates are calculated based on the amount of driving an individual is doing.
Pay as you drive insurance can be the way to go for people who drive fewer than 15,000 miles per year. Some examples of drivers who would benefit include.
Someone who uses public transportation to and from work
A retiree who mostly makes short trips to the store and back
A suburban mom who only uses the car to take the kids the school and soccer practice
People who work from home
For these low mileage drivers the savings can be significant.
Although there have been concerns voiced by some fearing yet another way of having ones privacy invaded, the majority of drivers surveyed are favorable the idea.



It used to be not only a safety thing but common courtesy to use the turning signals on your car when making a turn, or changing lanes. Today it seems like the majority of drivers are just not interested in safety or in being courteous anymore and have stopped using their turn signals. Not only is this not safe, it’s also rude. By not using your turn signals you are expecting the other driver to either guess, or predict what you are going to do. Hopefully this irritating trend will turn around soon.
As it turns out a study was done to find out why people don’t use their turn signals, here’s what they found out.
First of all 57% of drivers surveyed admitted they don’t use their turn signals. Here are the excuses they had for not using turn signals:
42% of drivers surveyed said they don’t have enough time
23% admit they’re just plain lazy
17% said they don’t use signal because when they do, they forget to turn them off
12% said they change lanes too frequently to bother
11% said it’s not important
8% said they don’t signal because other drivers don’t
7% said that not signaling adds excitement to driving
Pretty funny excuses, until they cause an accident.



It is often heard that the color of your car can affect the cost of insuring it. Although a red sports car will definitely cost more to insure than a four door family sedan it isn’t because of the color. A sport scar is simply a higher risk regardless of its color.
That the color of a car affects the cost of insuring it is a myth, insurer’s usually take information about the color of a car mainly for identification purposes.
Of more concern to the insurer is the clients driving record, this does weigh significantly in the cost of an auto insurance policy.
There is however one rumor regarding red cars that is true. Red cars do in fact attract more attention from highway patrol and police and are more likely to be subject to a higher level of scrutiny than that four door family sedan. So I guess even though the color of your car may not cost more to insure, it could turn out costing you more in other ways.



You have probably noticed the pink ribbons being worn by sports figures and celebrities as well as entire teams during games. This is because October is Breast Cancer Awareness Month.
National Breast Cancer Awareness Month (NBCAM) is an annual international health campaign organized by major breast cancer charities every October to increase awareness of the disease and to raise funds for research into its cause, prevention, diagnosis, treatment and cure. The campaign also offers information and support to those affected by breast cancer.
A variety of events around the world are organized in October, including walks and runs, and the pink illumination of landmark buildings. In the United States, the National Football League promotes breast cancer awareness by wearing pink on and off the field.
About one in eight women born today in the United States will get breast cancer at some point during her life. After skin cancer, breast cancer is the most common kind of cancer in women.



So for those who elect to not sign up for medical insurance under the new Obama affordable care act, here are some general guidelines on what to expect as the penalty/tax comes into effect.
The penalty/tax will be phased in from 2014 to 2016
The minimum penalty/tax in 2016 will be $695 per person and up to 3 time that per family. After 2016, these amounts will increase at the rate of inflation.
The minimum penalty/tax per person will start at $95 in 2014 (and then increase through 2016).
No family will ever pay more than the 3 times per person penalty regardless of family size.
The penalty is 2.5% of any household income above the level at which you are required to file a tax return.
The penalty can never be more than the cost of a “Bronze” health insurance plan purchased through one of the state “exchanges” that have been created as part of Obama care.
These figures are according to “Factcheck.org”.



If you are in the market for a house then you will have to consider home owners insurance. The cost of insurance will vary widely depending on a variety of reasons. Some things you can do something about, and some you cannot. Well, here is something few people think of when shopping for insurance, your dog.
If you have a dog, the breed of dog may affect the cost of your insurance policy.
More aggressive and large breeds of dogs have a higher risk of causing injury. Insurance companies consider an owners dog, and the breed when calculating what kind of risk to assign.
Some of the higher risk breeds are: Chows, German shepherds, huskies, malamutes, Doberman pinchers, Great Danes, boxers, Akitas, wolf hybrids and several cross bred dogs.
If you have one of these breeds you may have some decisions to make when it comes time to shop for home owners insurance.



Securing your home can be an expensive proposition. Monitored home security systems come with a monthly service cost along with initial installation costs. Dead bolts and other types of door and window security systems can also be expensive. For these reasons many home owners elect to forego the extra security and live with the risk.
Well there may be a way to offset the cost of adding that extra security through your homeowner’s security policy. There are discounts available when you install home security systems, and depending on the type of system the discounts can be significant.
As an example here is what you can expect as far as discounts:
Five percent discount for dead bolts, burglar alarms and smoke detectors.
Ten to twenty five percent for monitored home security systems.
These savings can go a long way to help pay for that new home security. For a better idea of what savings may be available to you, contact your insurance agent soon.



According to “Gas Buddy”, a website that monitors gas prices, prices at the pump are slowly going down. Prices have dropped to as low as $3.08 per gallon I South Carolina. Unfortunately California is still among the highest priced gas in the country at about $3.94 per gallon.
Gas Buddy says the reason for the dropping gas prices is due to reduced demand. Kids being back in school and people are done with vacations for the most part. In the Great Lakes area people aren’t using their boats as much.
Basically, summer is over and people just don’t move around as much in the winter.
According to AAA, the national gas price average has been over $3.00 per gallon for more than 1000 days. The national gas price average is currently at $3.47 per gallon, so maybe we will come close to ending that streak by the end of the year with a little luck and barring any hurricanes in the gulf or other issues.



Have you ever wondered where insurance started and who was the first to use it? Researchers agree that probably the first use of insurance was way back in Babylonian times, around 2100 B.C.; the code of Hammurabi was the first basic insurance policy. This policy was used by traders who transported their goods by caravan. The policy was paid by these merchants and took the form of a loan to guarantee the safe arrival of their goods.
Later in history the same type of policy was used by the Phoenicians and the Greeks to insure their good which traveled by sea.
The Romans are credited with creating burial insurance where people joined clubs which paid funeral expenses for surviving family members.
In medieval times guilds where formed to protect members from things such as loss from fire, and shipwreck, ransom to pirates, and burial expenses.
From these beginnings emerged one of the biggest industries in the world today.

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