Harris, Reed & Seiferth
Out of sight, out of mind! It's a saying that's too often true about making repairs around the base of your home. Problems with manufactured home skirting are common, but thankfully, replacing your mobile home's skirting is easier than you might think.
Hurricane evacuation plan
If it becomes necessary to evacuate, plan for it ahead of time. Talk it over and make decisions so everyone is on the same page. Preparation can save lives and reduce the amount of time it takes to get your family to safety and eventually back home.
Preparing for Hurricane Season
Hurricanes. Just the thought of them can make a person tremble in fear. Whether you've experienced a hurricane yourself or you've just heard about their destructive patterns, these bad boys know how to make their name heard. The technical definition of a hurricane is a tropical cyclone with maximum sustained winds of at least74 mph. A major hurricane is a tropical cyclone with maximum sustained winds of at least 111 mph. To put that into perspective, imagine sticking your head out the window of a car as you travel down the highway - that's the speed of wind you would be up against during a low-scale hurricane. Sound scary? It is. By knowing your vulnerability and what actions to take, you may be able to reduce the effects of a hurricane disaster.
Hurricane season runs June 1 through November 30. Foremost wants to share some tips to ready your home and family prior to a severe storm, may it hit. It's never too early to:
Stay safe through these storm seasons! Your safety is number one to us.
There have been times in my life when I've felt severely unprepared. I remember starting drivers training and getting behind the wheel for the first time with my instructor, nervously thinking to myself, We've only talked about driving in the classroom—I don't think I'm ready to be on the roads! And during my time as a college student, I've known the horror of being caught off guard by spontaneous pop quizzes. I've even found myself at the starting line of a 25K road running race, regretfully wishing that I had spent more than just two weeks training for the event.
Recalling these experiences makes me glad I was not negligent my first time riding an ATV. This time, I felt prepared. I had carefully learned the rules of riding safely, I was wearing the proper gear, and I was on trails designated for off-road vehicles with other experienced and responsible riders. This preparation gave me confidence and allowed me to relax and enjoy the ride. It was an absolute blast!
Riding an ATV can be thrilling, but also dangerous, so it's important to brush up on how to ride safely before you hit the trails. Whether you are a new rider learning for the first time or an ATV veteran in need of a quick refresher, here are ten tips for being prepared and staying safe on your off-road adventures:
Golf Carts look quite easy to drive, but they sure handle differently than other vehicles. When I was 14, I thought I could just hop on one and drive it like a pro. Well I drove it … right into a tree. I learned the hard way that I should’ve taken things slow and let someone else teach me how to drive it. Now I know how to drive one – without crashing – and so can you! Here are some Golf Cart safety tips to read up on before you hit the gas and make the same mistake I did.
Review your manufacturer's guide for other warnings and safety guidelines!
To protect your Golf Cart, insure it with Foremost®! Don't let your fun get cut short because you didn't get the right coverage for your ride. Luckily, an agent can help you choose the right policy for your Golf Cart.
Dental implants are commonly used to replace a broken tooth or a tooth with extensive decay that cannot be restored with a root canal or crown. About 1.9 Americans have one or more dental implants each year. Before getting an implant, find out whether it’s the best dental treatment option. Here are five questions to ask your dentist.
1. How will a dental implant benefit my oral health?
A dental implant is designed to fill in for a missing tooth and should feel and function like a normal tooth. After a tooth is pulled and the oral tissue heals, an implant screw, made of titanium or other materials, is inserted into the jawbone. Once the screw adheres to the bone, it’s capped with a crown and looks similar to other teeth.
Titanium implants, invented over 40 years ago, have significantly improved dental treatments reports the American Dental Association. Previously, dentists replaced a missing tooth with a partial denture or a bridge, designed to look like a tooth, that is attached to neighboring teeth. While both options still are used today, dentures and bridges can be uncomfortable, weaken the jawbone, and require periodic replacement.
2. What happens if a missing tooth is not replaced?
When a tooth is lost and not replaced, people may experience difficulty chewing foods, and their jawbone may deteriorate faster, increasing the risk of decay and gum disease and losing neighboring teeth. The remaining teeth may shift, causing bite problems, and the facial skin may sag and create an uneven smile.
3. How long do implants last?
Research shows that 95 percent of implants on average have lasted 13 years or more. Implants today are made of newer materials and designed to fit better, so the jawbone heals faster.
4. How much do implants cost?
Although implants have become a popular dental treatment, many dental insurance plans do not cover the cost. In some cases, medical insurance may pay some of the expense. Depending on the location and dentist, an implant, crown and related dental work can cost $2,000 to $10,000 or more. Ask the dentist to provide a written treatment plan outlining all of the costs, appointment schedules and follow up checkups. Also, ask about the type of implant used and why it’s the best choice for your needs.
5. What is the dentist’s experience with implants?
Before scheduling an implant procedure, find out the dentist’s experience, such as: What is their training with implants? Are they board certified in oral and maxillofacial surgery, periodontics or prosthodontics, or have they received special training? How many patients have they treated with dental implants?
Daily tooth brushing and flossing can help prevent the need for dental implants. Read this blog to learn more.
American Academy of Implant Dentistry
American Dental Association
Whether you're taking a road trip or taking the family camping, driving with a trailer can be a challenge. According to eTrailer.com, when you add a trailer to your vehicle, the overall handling and rules of driving dramatically change. Using your hitch to tow your favorite travel trailer means you should give yourself more time to slow down and turn corners. It's important that drivers of all experience use trailer brakes to decrease speed evenly with the added weight that's being towed. And, because trailers don't follow the exact path as the vehicle on turns, always remember to safely swing out wider when traveling around bends and corners.
Here are some do's and don'ts of towing to keep you safe on the road.
Tips for riding at night
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:
Holiday fire safety
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.
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:
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