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![]() Most bikers have ridden at night. Sometimes you can’t avoid it, or maybe you just enjoy it! It can be pretty, with city lights or starry skies and the open road – but it can also be extremely dangerous. Night riding is not impossible, you just need to make smart choices and be cautious on the night roads. The number one cause of nighttime accidents is a lack of visibility. Beyond the obvious lack of sunlight, riders experience impaired depth perception vision impairment due to fatigue. When riding with decreased visibility, try the following:
Source: https://www.foremost.com/learning-center/tips-for-riding-at-night.asp
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Here are the top things you should consider when choosing the right dental carrier for you.
Network Visiting a network provider will usually save you money, so it’s good to look for a dental carrier with a large network and providers near you. Maximums The maximum is how much the carrier may contribute to your dental costs during the benefit period. Waiting periods Carriers can offer a variety of plans to match different needs. If there is a procedure you need done soon, like a root canal, look at available plans that don’t have a waiting period for that service before benefits begin. Benefit tiers Procedures are classified into four categories— Preventive, Basic, Major, and Orthodontia. The carrier covers a percentage of a procedure cost based on which benefit tier the procedure falls into. But be careful! Not every carrier or plan categorizes procedures the same, which could result in lower coverage. Special features Be sure to look for a carrier who provides additional features such as child orthodontia, LASIK, hearing benefits, teeth whitening, and more! Ameritas ticks all these boxes. PrimeStar® individual dental plans are designed for someone like you! ✔ access to the Ameritas Dental Network, one of the nation’s largest ✔ generous annual maximums ✔ no waiting periods*, and next-day effective dates ✔ benefit tiers that provide comprehensive coverage ✔ special features* such as child orthodontia, LASIK, hearing benefits, and teeth whitening Click here to find affordable dental insurance and vision plans in your area. ![]() It's the holiday season again – that special time of year when you brighten your home with colorful and twinkling lights. Although decorating with electric lighting helps you create a cheerful atmosphere, it also brings an increased risk of accidental fire. Here are some important safety tips to help you avoid electrical fires, overloaded circuits and other holiday fire hazards both outside and inside your home. Outside lights
![]() Whether you bought a new or used mobile home, odds are that when you purchased it the design wasn’t exactly what you wanted. Builders may not use the most high-end materials on new builds, and if it’s an older model, it may be time for an update. If you ever plan to revamp a room in your mobile home, consider starting with the kitchen. It can make your mobile home look more modern, and they can have some of the best return-on-investment rates.* If you’re not sure where to start in your kitchen or if you’re looking for inspiration, you’re in the right place. Foremost® has done some research for you and put together a list of ideas you can use to give your kitchen a more updated look!
![]() When traveling in an RV, you may find it helpful to have a vehicle available for a run to the store or a short excursion without having to pack up all your gear and maneuver your rig through crowded city streets. Many experienced RV owners tow a car or truck for the convenience of having a more compact vehicle on hand. Here are the different options for towing and tips on how to do so safely. Four Wheels Down (Toading, Dinghy Towing or Flat Towing) This is the most popular method for towing a vehicle behind an RV, which involves attaching a tow bar and letting your vehicle roll behind the RV on its own four tires. Benefits of this method include minimal, if any, impact on the gas mileage, handling, and wear and tear of your RV; the equipment needed to attach a car by a tow bar is cheaper than purchasing a dolly or flatbed trailer; and you don’t need a separate trailer license. However, there are a few drawbacks. Not all vehicles are equipped to be towed on four wheels so check the owner’s manual, manufacturer’s guidelines and mechanical capabilities of your vehicle before investing in this option. In addition, though this shouldn’t add miles to your car’s odometer, it will cause wear on the car tires. Two Wheels Down (Dolly Towing) For this method of towing, a dolly attaches to the back of your RV and the vehicle rides with two tires up on the dolly and the other two tires down on the road. Any front-wheel-drive vehicle can be towed this way. Plus, you won’t damage your car’s transmission or increase mileage while it’s in motion. The downsides of this method is that a quality dolly trailer is expensive; you may need a separate license for the dolly; it could be difficult to store at a campsite; it puts wear on the two car tires that are down; and it adds weight to the capacity of your RV. If you’re thinking about choosing this option, calculate what the overall weight will be (before purchasing the dolly) to ensure your RV will be able to handle it. Four Wheels Up (Flatbed Trailer) The third option for towing a vehicle is with all wheels up on a flatbed trailer that’s attached to the RV. Any vehicle can go on a flatbed trailer as long as it can be secured and as long as the trailer is built to handle the weight of your specific vehicle. Before purchasing a trailer, decide what vehicle you’re going to bring with when traveling and then compare trailer options based on the amount of weight they can haul. Similar to dolly towing, the drive shaft is off the ground so you won’t rack up mileage. Also, with this method, your tires won’t endure any wear and tear. Disadvantages of four wheels up is you’ll have the extra cost of the trailer; you may run into storage issues at campgrounds; and the weight of a flatbed trailer will use up a lot of the weight your RV can carry. Whichever method you choose, it’s important to take extra precautions when you tow a car behind an RV. Here are some basic safety guidelines to follow:
Source: https://www.foremost.com/learning-center/options-for-towing-a-vehicle-behind-your-rv.asp ![]() Some people have trails or areas where they can ride their Off-Road Vehicles at home, but others may have to take their ORVs somewhere else to ride. For instance, many people take their Golf Carts with them when camping or haul their ATVs and UTVs to designated riding trails. To get your ORV to these places, you'll probably want to tow it with a trailer. If you've never towed an ORV with a trailer before, follow these steps to keep your ORV from moving around or falling off!
https://www.foremost.com/learning-center/towing-an-orv-with-a-trailer.asp https://www.golfstorageguide.com/how-to-tow-a-golf-cart-on-a-trailer/ https://www.tires-easy.com/blog/towing-atv-trailer-tires/ ![]() Owning an RV is a wonderful experience – whether you’re a full-timer, a summer traveler or just prefer a weekend getaway, the opportunities for adventure are endless. After all, that’s part of the allure with owning an RV. But, after being in your RV for multiple years, it may need an update! This has drawn many people to renovate their RV DIY style, and if you’re up for the challenge, you can too! Adding some upgrades or changing the interior of your Recreational Vehicle doesn’t mean you need to gut it and start from scratch. There’s many projects you can do that are simple; such as switching out some of the furniture, or adding some décor to make it feel more homey. To help you get started, we put together six customization ideas for your RV if you’re ready for a new and fresh look.
Source: https://www.foremost.com/learning-center/custom-upgrades-to-your-rv.asp ![]() There are many benefits of having solar panels on your RV, and depending on your lifestyle they could save you a TON of money. However, there are also reasons you could argue for why you shouldn’t install panels. If you’re thinking about getting them for your RV but are still on the fence about it, here are some things to consider! Are solar panels worth it?
This depends solely on your lifestyle. If you enjoy spending a majority of time “off-the-grid” or frequent dry camps without power hookups (this is known as “boondocking”), then solar energy may be the way to go. Having solar could open up a lot more possibilities and allow you to explore different spots, rather than just hunting down the next camp with a hookup. Plus - you will certainly see some long-term savings if you compare solar panels to a gas generator. According to experts, you can expect your solar “payback period” to be around five years.1 However, if you are someone that spends a majority of your time at campsites with hookups or you only take big RV trips a few times a year, installing solar panels wouldn’t be practical. You are better off using the camp’s local power system and paying the associated fee. How do solar panels work on an RV? Most people think that solar panels are meant to power an RV – and that’s not entirely true. The purpose for solar power is to recharge your battery bank. Solar panels work the same as a gas generator except it requires no gas, makes no noise and can charge your batteries for a long period of time (as long as the sun is out and shining). According to EnergySage, if you have an 800 W system that’s in direct sunlight for five hours a day, it will produce 4,000 watt-hours (Wh) of energy each day. To put that into perspective, you’ll be able to power small electronic devices like a TV or a microwave, but you won’t be able to run your refrigerator for an entire day. If there isn’t any sunlight for a few days, however, that can pose a problem. It’s a good idea to have a plan B – like a back-up generator. How much do solar panels cost & how many do I need? The price varies with what wattage you would need for your RV, but it’s certainly not cheap! A good list of solar panels specifically designed for RVs, their prices and how many you would need can be found in this article from EnergySage. Can I install solar panels myself? Yes! With the proper tools and parts, you can install them yourself, but it’s not an easy process. If you decide to do it yourself, make sure you do extensive research on the installation equipment you’ll need to run an RV solar setup. If you’re not the handy type, call a professional solar panel installer to do this for you. Overall, if you decide to take this next step in your RV lifestyle, you won’t regret it. Not only will it enhance your camping experience, it’s also great for the environment and will save you big bucks long-term. Happy camping from Foremost Insurance! 1https://news.energysage.com/rv-solar-panels/ Source: https://www.foremost.com/learning-center/solar-panels-for-your-rv.asp ![]() Many say that once you ride a motorcycle, you can never go back. The exhilaration and freedom are enough the get you hooked, but have you thought about the economical and lifestyle benefits of riding? Studies show that motorcycles are good for riders, the economy and the earth! Keep reading to see what makes motorcycles so great.
![]() You already know that motorcycles are awesome, but now you have the facts to back it up. Share this article with your family and friends to show them why motorcycles really are the best! Source: https://www.foremost.com/learning-center/10-reasons-motorcycles-are-the-best.asp
![]() No matter how much you enjoy being on the water, suffering from nausea and fatigue on a boating excursion might make you wish your feet were planted on land. According to Montavit, about 10% of the population is extremely sensitive to motion sickness, with another 75% subject to occasional motion sickness. This travel illness can take a nice trip out at sea and turn it into a nightmare, but don't fret, I've got the answers for you. Here's some useful info on sea sickness so you can have a fun day out on the waves! Why do I experience sea sickness? Sea sickness is defined as motion sickness that happens on the water. The inner ear becomes unbalanced due to the rocking motion of a boat or ship and can have side effects like a cold sweat, upset stomach, fatigue, and/or nausea and vomiting. 6 Methods to Cure Sickness
(Source: Wikihow) Source: https://www.foremost.com/learning-center/curing-sea-sickness.asp |
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