Love Bites — Why You Should Seriously Consider This Coverage…

In today’s economy, everyone is pinching pennies.  So why worry about umbrella coverage?  Shouldn’t a home and auto policy leave you adequately covered?

Unfortunately, we live in a world of lawsuits.  Large damages can be awarded, be extremely expensive and have long-term financial impact.  Those lawsuits can come from unlikely sources, such as our furry friends.

Take Herschel for instance.  Herschel is a much-loved, rather timid labradoodle who enjoys taking naps on the driveway while his owner mows the lawn.

Herschel watched from eight feet away as his neighbor, a 39 year old man, showed off his rollerblading skills to his kids.  The man wiped out on the sidewalk in front of Herschel’s house and broke his leg.  He required surgery, costing around $35,000 in medical costs and $18,000 in lost wages.

Fair or not, the man brought a lawsuit against Herschel’s owner, suing for $220,000 in damages.  He alleged that Herschel had caused the accident by getting in his way, despite multiple witnesses to the contrary.

But Herschel’s owner was lucky–a jury vindicated Herschel. However, lawsuits such as these can easily exceed the limits on a homeowner’s policy, leaving the insured responsible for the remainder.  An umbrella policy would prevent that, giving you an extra $1 million to $5 million in coverage.

Our furry friends can put your assets at risk in other ways as well.   According to the Center for Disease Control and Prevention, 4.7 million people are bitten by dogs each year, with half of those occurring on the owner’s property.  Dog bites, according to the Insurance Information Institute, account for about a third of all homeowner’s insurance claims, which only cover limited damages.

The right umbrella insurance coverage for you is unique – talk to Reed & Associates today to find out how to protect what you love with the right personal umbrella insurance for your furry friend.

Just call (541) 975-1364 to speak with one of our agents and determine the right coverage for you.

Spring cleaning tips from Reed & Associates Insurance

Of course, because spring is a time for new beginnings, cleaning and organization around the house are very popular this time of year. If you’re ready to tackle that monumental chore, read on for some helpful information. (And if you’re so tidy and organized throughout the year that spring cleaning isn’t a big chore for you, well, keep that to yourself! Unless you want your friends and neighbors to be jealous, that is.)

Take it one room at a time.

Deciding to clean or organize your entire home can quickly get overwhelming. If you focus on just one area or room, then move to another only when you’re finished, you’ll likely work more efficiently.

Follow the six-month rule.

Generally, if you haven’t used something in six months (with the exception of seasonal items), it’s a good idea to consider throwing it away or donating it.

Don’t forget the kitchen.

Just like other rooms, your kitchen likely has things that haven’t been used in some time — and this includes food in the refrigerator or freezer. Give those appliances a thorough cleaning and get rid of anything you won’t be eating.

Set yourself up for success.

Paper clutter is something we all could probably cut back on pretty easily. Setting up a few recycling bins throughout the house gives you a convenient alternative to just setting that old magazine or paperwork down somewhere and watching the pile grow.

Make some money!

Of course, the spring cleaning garage sale is a tradition for many homeowners, and can be a great way to bring in some extra income. Talk about a win-win situation — you get rid of stuff you don’t need, and someone pays you for it!

Stay safe.

When you’re cleaning or maintaining your home, be mindful of the physical risks involved. Lift with your leg muscles, not your back. Avoid prolonged repetitive motions. Use ladders, lawnmowers and other dangerous tools with caution.

Contact Us!

We appreciate you and are always here to help with your home, auto or life insurance questions.

Simply call us at 541-975-1364

Let’s Keep Our Lawns Looking Great!

And Ourselves… Safe.

For many of us and our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly.

Each year about 400,000 people are treated for injuries from lawn and garden tools, according to the U.S. Consumer Product Safety Commission (CPSC). Don’t let your landscaping efforts land you in the hospital! Follow these handy safety tips.

Tool safety tips from the U.S. CPSC

• Dress appropriately. To protect yourself from debris when using lawn tools, wear eye protection, long pants, long-sleeved shirts, close-fitting clothes and no jewelry. Sturdy shoes are recommended, and ear plugs may be appropriate depending on how loud the device is.

• Before starting, remove objects from your work area that could cause injury or damage, such as sticks, glass or stones.

• Keep children indoors and supervised at all times when any outdoor power equipment is being used. Never let a child ride or operate a garden tractor or riding mower, even if the child is supervised. And never assume children will remain where you last saw them. Use extreme caution when backing up or approaching corners, shrubs and trees.

• Teenagers using power equipment should always be supervised by an adult.

• Handle gasoline carefully. Never fill tanks while machinery is on or when equipment is still hot. Of course, you should never smoke or use any type of flame around gasoline or any gasoline-powered equipment.

• Do not work with electric power tools in wet or damp conditions. For protection against electrocution, use a ground fault circuit interrupter (GFCI).

• Be sure that extension cords are in good condition, are rated for outdoor use, and are the proper gauge for the electrical current capacity of the tool.

Lawn Chemical Safety Tips from Texas A&M University

• If you use chemicals to control weeds or pests in your lawn, read the product label carefully so you understand the potential effects on humans, animals and the environment. Follow all instructions.

• Keep children and animals away from the application area, and protect your skin, eyes and nose during and after application.

• Remember, use only the recommended amount. Using more of the chemical will not do a better job.

• Ask yourself if you truly need to use a general pesticide. Is there a product that will specifically treat only the problem you need to solve?

From all of us at Reed & Associates Insurance, here’s to keeping both you and your lawn healthy this summer!

Contact Us!

At Reed & Associates Insurance, we can work with you to make sure you’ve got the home, auto, life or medicare supplement coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 541-975-1364  or send us a note at admin@kereed.net. We want to help you meet your goals, and make sure what’s important to you is protected!

Time to Honor Dad

With summer drawing near and the weather warming up, Oregon’s neighborhoods come alive with the sights and sounds of the season: lawnmowers, power tools and backyard barbecues, to name a few.

For many people, those things all bring to mind one specific person: Dad. And since Father’s Day is just around the corner, we at Reed & Associates Insurance thought we’d give you some gift ideas – and some fun history trivia, too!

The history of Father’s Day

Marked on the third Sunday of June in the United States (and in many other countries), Father’s Day was first celebrated in 1910 to complement Mother’s Day. According to Wikipedia, the day was created by Sonora Smart Dodd of Spokane, Wash., who wanted to honor her father, Civil War veteran William Jackson Smart.

Although Dodd originally suggested her father’s birthday in early June, she had not provided organizers with enough time to arrange the event – and the celebration was delayed until the third Sunday of the month.

Although Mother’s Day has been an official national holiday since 1914, Father’s Day had a tougher road. Congress refused to make the celebration official in the years immediately following Dodd’s first observance, fearing that the day would become commercialized. (Some would say those fears were well-founded; the creator of Mother’s Day later came to regret the commercialization of that holiday.)

It wasn’t until 1966 that Father’s Day received an official proclamation, thanks to President Lyndon B. Johnson. And six years later, President Richard Nixon signed a law making the day a national holiday.

Facts and figures (from government website USA.gov)

• There are an estimated 70.1 million fathers across the nation
• An estimated 1.7 million men are single fathers
• Approximately 176,000 fathers are stay-at-home dads

What to get Dad?

Once you’re past the age of, say, 10, the “Old Spice and a tie” routine probably won’t cut it anymore when it comes to getting a gift for your father. Here are some better ideas from AskMen.com:

• Grilling tools (this way, perhaps he’ll even cook for you on Father’s Day!)
• Fishing gear
• Golf clubs, balls or other sporting goods – or take him out for a round of golf
• Books (particularly grilling cookbooks)
• Gadgets (such as a GPS; after all, many dads don’t like asking for directions)
• Landscaping services (so he can take a break from mowing the lawn)
• Show him special respect, appreciation & love – Today and everyday.

Aside from ties and cheap cologne, you’ll probably want to avoid the most clichéd gifts, especially “World’s Best Dad” items (even if it’s true!) and socks.

As with all gifts though, it’s the thought that counts. And we’re sure your dad will appreciate simply being appreciated. And if you’re a dad yourself – Happy Father’s Day! We hope you’ll enjoy your day.

Contact Us!

At Reed & Associates Insurance, we can work with you to make sure you’ve got the home, auto, life or medicare supplement coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 541-975-1364  or send us a note at admin@kereed.net. We want to help you meet your goals, and make sure what’s important to you is protected!

Make your vacation a great one

Whether you’re planning a trip to a local attraction in Oregon this summer, or headed all the way across the country, you want your vacation to be relaxing. It’s a getaway from work, not to mention your day-to-day life. So we’ve got some tips – from packing smart to protecting yourself from pickpockets – to make your trip the best it can be.

Before you go

Even if you’re only headed across the state to Lincoln City, a packing list is a must. How many times have you left La Grande and arrived at your destination, only to find that you forgot your most comfortable walking shoes? Or your swimsuit? Put everything on this list, even if you think you would never forget it. A toothbrush is easy to replace when you get there – your prescription medication isn’t.

Be sure that you have printed itineraries for everyone in your party, and make color copies of important ID documents as well. Keep the copies in your bag, separate from your passport and other IDs. It’s also a great idea for each person to have a list of emergency numbers, either for them to call or for someone else providing assistance.

Of course, packing light can make travel a lot more enjoyable. Who wants to lug 100 pounds of luggage through the airport? Not us. Here are some ideas to help you lighten the load:

• Do laundry at your destination. Nobody wants to do laundry on vacation, but if you’re willing to sacrifice a little time, you can pack far fewer items of clothing. If you won’t have access to facilities, you can wash clothes in the hotel sink and hang them up to dry.
• Easy on the shoes. If you can, pack only one or two pairs of shoes. It’s best to wear the heavier pair during travel if possible, and pack the lighter one.
• Ditch the books. Consider using an e-reader instead of packing actual books – that way you can carry hundreds of books on your trip! If you don’t own or want an e-reader, you can buy books once you reach your destination. Thrift shops are great places to find inexpensive books.
• If flying, don’t check your bag. This will not only force you to take smaller pieces of luggage, but with most airlines charging checked-baggage fees, it will save you money! It saves you the hassle of baggage claim, too.

When you’re there

Once you arrive at your destination, it’s time to relax! But don’t let your guard down completely. After all, tourists often are targets for those looking to separate you from your money. We’re talking mainly about thieves, but don’t forget, you also lose money when you spend more than needed. Here are some ways to protect your wallet from criminals and other money traps:

• Don’t carry much cash. Most places accept credit cards, and those that don’t often have ATMs on site.
• If you carry a wallet, keep it in your front pocket. For a purse, hang it across your body. Both will make it more difficult for a thief. You could also consider carrying a money belt, which is a good way to conceal cash and cards.
• Staying at a hotel? Check to see if they have “resort fees.” More and more hotels are charging these, which often provide things that used to be included in your room rate (such as access to the fitness center). Some will waive it if you complain — and it can be worth complaining because the fee can be $10 – $25 each day.
• Eating out too much? If your hotel room has a refrigerator, you can easily purchase and store sandwich ingredients for a cheap lunch or dinner. Many people find it more economical to rent a condominium or house for their vacation and cook most of their own meals. The money saved on restaurants can make up for any cost difference between a condo and hotel.
• Think about travel insurance. Yes, this costs money up front. But if you have a long and expensive vacation planned, travel insurance can end up saving you a lot of money if something goes wrong and you need to come home early or even cancel your entire trip. Depending on the coverage you purchase, you could receive reimbursement for additional airfare, hotel charges and more.

Finally, remember that you’re on vacation to relax and escape everyday life. So when you get there, get out there! Meet some locals, do some things off the beaten path. In fact, the locals usually have the best recommendations. And you just might make some new friends, too!

Summers mean backyard grilling – Safely!

Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer and grilling isn’t just about great food. Backyard barbecues often create treasured memories with friends and family.

Keep in mind, however, that when you grill, you’re literally playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or even serious injuries in grilling accidents.

There’s good news, though: You can prevent grilling accidents by taking some simple precautions. The tips below can help ensure you cook only your burgers — and not your house — the next time you fire up the grill.

TIPS FOR ALL GRILLS

• Your grill, whether gas or charcoal, should be on a level surface outdoors, away from anything that could be ignited by flames (bushes, fences, etc.).
• NEVER use a grill indoors. Odorless carbon monoxide fumes could kill you.
• Keep your grill clean and well-maintained. Check parts regularly to determine if replacements are needed.
• Never leave a hot grill unattended or let children play near it.

CHARCOAL GRILL TIPS

From Kingsford.com

• Do not add lighter fluid directly to hot coals. The flame could travel up the stream of fluid and burn you.
• Never use gasoline or kerosene to light a charcoal fire.
• Use flame-retardant mitts and long-handled barbecue tongs, as coals can reach up to 1,000 degrees.
• To dispose of coals, allow the ashes to cool for at least 48 hours before disposal in a non-combustible container. If you cannot wait 48 hours, carefully place coals individually in a can of sand or bucket of water.

GAS GRILL TIPS

From the National Fire Protection Association

• Check your grill’s hoses for leaks before using it for the first time each year. Apply a light soap and water solution to the hose. A propane leak will release bubbles. If you have a leak, and it will not stop after the grill and gas is turned off, call the fire department. If the leak stops when the grill and gas are turned off, have your grill serviced by a professional.
• If you smell gas while cooking, immediately get away from the grill and call the fire department. Do not move the grill.
• Do not keep a filled propane tank in a hot car or trunk. When getting containers refilled, make that your last stop before going home.
• Store propane tanks in an upright position, and never indoors.

From all of us at Reed & Associates Insurance, happy grilling, and stay safe this summer!

Insurance Tips for Back-to-School Time

College is expensive enough without finding out too late that an accident or theft isn’t covered under your current policies. So, as you get your children ready to head off to school in the fall, there’s one vital “to-do” to add to your list (other than writing that tuition check): a review of your insurance coverage.

It’s important to keep in mind that policy language varies from state to state, and there are never “one-size-fits-all” situations, but below is a general guide. If you have questions, or want to go over your insurance needs, don’t hesitate to contact us!

HOMEOWNERS (may vary by state and individual policy)

• Coverage of personal property: Most homeowners policies provide 10 percent of Coverage C (Personal Property) for property owned by an insured that is at a residence other than the insured’s. For example, if the contents of a policyholder’s home are insured for $100,000, a student’s property up to $10,000 would be covered if living in a dormitory – provided the damage is caused by a covered peril and the student meets the definition of an insured.
• For apartments or houses off-campus, the same coverage generally applies. Certain items, such as jewelry or expensive electronics, may require special coverage, or a “rider.” Renters insurance is strongly recommended if a particular policy does not cover a student’s personal property.
• Liability coverage: There usually is an exclusion for damage to property rented to an insured, so generally damage to a dorm room or apartment would not be covered.
• Ensuring adequate coverage: Contact us to get specific answers and information about your coverages. Also, it’s a great idea to create an inventory of the items your student is taking to school, as is keeping photos of and receipts for the items.
• Renters insurance: If your student’s needs can’t be met under your current policy, don’t forget renters insurance. Landlords’ policies generally only cover the structure, not the possessions of renters.

AUTO (may vary by state)

• Coverage without a car at school: If your student will continue to drive while at home on school breaks, they should continue to be listed on your auto policy. If they are attending school more than 100 miles from home, and are not taking a vehicle with them, the policy may qualify for a distant-student discount.
• Coverage with a car at school: In most instances, a car registered to parents and listed on their policy will be covered if used by a listed student away at school. But you should make sure that your insurance carrier writes coverage in the college’s state and location. And note that a change to the principal location of the vehicle could result in a change in premium.
• Driving a friend’s car at school: Students generally would be covered while driving a friend’s car if the students are listed on their parents’ policy and do not have regular use of the vehicle. The coverage would likely be secondary in this case, as the carrier for the friend’s vehicle likely would be the primary coverage.
• Coverage discounts: In addition to the possible distant-student discount mentioned above, students may qualify for a good-student discount. To qualify, most insurance carriers require that a student must be enrolled in at least four courses per term as a full-time student at an accredited college or university and meet certain academic qualifications. Also, drivers under the age of 21 who complete a driver education course may be eligible for a policy discount.

Going away to school is an exciting time for both students and their parents. Making sure you’ve got the right insurance coverage can help you protect your assets as you invest in your child’s future. We’re happy to discuss your coverage and options — just give us a call or stop by!

Avoiding distractions while driving could save your life

You’ve seen them on the roads; you might even know a few of them.

And you could be one yourself.

Distracted drivers in come in all shapes, sizes, ages and experience levels. Even if you’re not one today, you could become one at any moment — in the time it takes you to answer your cell phone or check the kids in the back seat when you’re driving.

If you or someone else you know thinks you can drive just fine while talking on your phone, think about this: More than 450,000 people were injured in crashes that reportedly involved distracted driving in 2009, according to the National Highway Traffic Safety Administration. More than 5,000 of those people died.

Distractions on the road come in many forms, according to www.distraction.gov, a U.S. Department of Transportation website. There are three main kinds of distractions:

• Visual – taking your eyes off the road
• Manual –taking your hands off the wheel
• Cognitive – taking your mind off what you’re doing

To help you avoid all three kinds of distractions the next time you’re behind the wheel, here are a few tips:

• Put your phone in silent mode and store it away from the front seat or in a purse or bag. This helps reduce temptation.
• Have a passenger answer your phone or return text messages for you.
• If a call or a text can’t wait, pull over in a safe spot before using your phone.
• This one seems obvious, but finish shaving or applying makeup before you get in the car!
• If you’re emotional, wait until you’ve calmed down before hitting the road.
• Avoid road rage. You’ll be happier and safer.

Whenever you’re on the road, it’s not a time to multi-task. Focus on driving safely.

It truly is that serious. Driving while distracted puts you, your passengers, and others lives in danger.

Slow down. Save money and lives.

How many times has the following happened to you?

You’re speeding down Adams Avenue when you spot a Oregon highway patrol car. You quickly hit the brakes and slow down, relieved that you didn’t get caught … this time.

Now take a minute to think what could have happened if you hadn’t been so lucky.

• First, your speeding could have hurt somebody — or yourself. According to the Insurance Institute for Highway Safety, speed is a contributing factor in more than 30% of fatal crashes and nearly 20% of non-injury accidents. That’s a big risk to take.

• Second, getting a ticket could put a big hit on your wallet. Of course, that’s not nearly as important as the health and safety impacts of speeding, but in this economic climate, more and more people are watching every dime. And who wants to write a check to the state for speeding?

At Reed & Associates Insurance, we want you to be safe. We also want to make sure you get a great price on the insurance coverage you need. Thankfully, easing up on that lead foot can help accomplish both.

How a ticket impacts your insurance

If you get a speeding ticket, that violation can stay on your driving record for three years or even longer. And because your driving history plays a large part in determining how much you’ll pay for insurance, the fewer tickets you have, the better.

Different carriers have different policies when it comes to checking your driving record and dealing with drivers who have violations. If you receive a ticket, and it’s your first in several years, you may not see much of an increase — depending on the severity of the offense. In fact, many states will allow you to enter a deferment program if it’s your first ticket, keeping the violation off your record if you complete a safety course and avoid further tickets.

But that second ticket (or third, or fourth …) can bring some serious financial penalties. While there are too many variables to say specifically how much each additional violation will increase your premium, it’s safe to say that the jump will be significant. And unfortunately, you can be stuck paying those higher premiums for years.

Significant violations can have a bigger impact as well. If you’re going 20 miles per hour over the limit, you’ll likely pay more than someone with a ticket for 5 mph over. Insurance companies know that speeding increases the risk of accidents, and they’ll view you as an increased risk — for good reason. In fact, if you have a serious violation, or too many tickets, your insurance carrier could drop your coverage altogether.

For younger drivers (typically under the age of 25), it’s especially important to avoid tickets, because companies already view these drivers as riskier than the general population.

And keep in mind, even if your premium doesn’t go up, having a violation on your record could prevent you from receiving the lowest possible rate on your insurance.

Of course, we think the best policy is simply to obey speed limits. Not only will you avoid tickets and possible insurance hassles, but your risk of accidents will decrease. And you’ll get better gas mileage. Sounds like a good deal to us!

Need a Great Quote on Auto or Motorcycle Insurance?

Reed & Associates shops multiple top carriers to get the best coverage and rate for you. If you already have other insurance through us, we can often times save you additional money by bundling your coverage’s!

Simply give us a call! 541-975-1364

As a busy homeowner, it is easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects should be in the “long-term maintenance” category. But putting them on hold for too long can have disastrous results.

As with so many things in life, preventive maintenance can save a lot of future effort and cost in your home, too.

We’ve put together the following checklist of cleaning projects that can save you headaches – and money – down the line.

1. Keep up with general cleaning

Giving the entire house a light cleaning every couple of weeks goes a long way toward preventing unwanted build-up. Dust and grime accumulate gradually and can permanently impact the sheen of hardwood and the sparkle of bathroom fixtures. Clutter and smaller messes also often disguise spills, leaks, and stains. Over time, these can set and become more difficult to remove.

2. Replace air filters

If your heating or air-conditioning system relies on vents or an intake with an air filter, make sure you know the proper replacement schedule. Extending an air filter past its useful life not only lowers your air quality, it also can force your air conditioner or furnace to work harder, leading to more frequent breakdowns.

3. Clean the dishwasher

The appliance we rely on so heavily to clean up after us needs to be cleaned itself every now and then! Its ability to operate effectively decreases between cleanings, and the longer you wait, the more likely it is to malfunction. A number of moving parts in dishwashers can easily get stuck when they are covered in food or soap residue, which can result in a less-than-appetizing smell that might even transfer to your dishes. For optimal results, periodically remove the filter system from the floor of your dishwasher and clean it off. Then run the dishwasher with white vinegar to remove build-up, stains, and odors.

4. Make sure drains are clear

A visit from the plumber is guaranteed to be expensive, so we recommend doing everything you can to limit build-up in your drains and toilets. Avoid putting coffee grounds or grease down your sink drains, purchase a drain cover to catch hair in the shower and use a slightly less-luxurious toilet paper to avoid clogs. At the first sign of a clog, use baking soda, dish soap, or store-bought drain cleaner on trouble spots.

5. Have your carpets cleaned

Heavily-trafficked areas should be professionally cleaned at least once or twice per year, depending on where you live and how conscientious you are about removing your shoes at the door. This will revitalize your carpets, and can prolong their lifespan, too. And whenever a spill occurs, react quickly! Just one noticeable stain can ruin a beautiful carpet. If you’re stumped, search online for a solution – there are an endless number of step-by-step guides to address every conceivable spill.

6. Check for leaks

Water damage can be one of the most significant (and expensive) repairs a homeowner can face – and it’s tough to spot before it’s too late. Proactively checking areas around bathtubs and sinks will help along with keeping an eye on walls and ceilings for discolorations as well. If a ceiling becomes discolored, investigate what could be causing the stain before giving it a fresh coat of paint.

Think back to when you purchased your home. You probably visited an open house where the fixtures sparkled, the floors gleamed, and the paint looked fresh. Following the checklist above can help you get that new-home feel again, while maintaining your home’s value as well.

Be the pinnacle of health and wellness this holiday season

It goes without saying that keeping yourself and your family healthy through the holiday season can be a challenge. When you combine chillier temps, housebound days, year-end deadlines and pre-holiday preparation – not to mention kids passing around colds at school like they’re playing “Hot Potato” – you can end up spending the holidays under the covers.

No matter how many inherent seasonal risk factors you face, there are ways to prepare for and get through the season virtually unscathed. At Reed Associates Insurance, we wish for you a happy and abundantly healthy holiday season, so here are a few tips to help you stay well and enjoy!

1.) Consider ‘sticking it’ to The Flu

Flu shots seem to be available at practically every drug store or pharmacy. Discuss with your doctor the pros and cons of flu shots for yourself and your family.

2.) Get some ZZZ’s

The holiday hustle and bustle can interfere with normal sleep patterns, yet sleep is essential to health and healing. Prioritize getting enough sleep – or taking a quick nap – despite your busy schedule.

3.) Fill the fridge

It’s easy to allow your pantry to start looking like a sweet shop as the holidays near. Take care to stock your refrigerator and cabinets with healthy snacks and ingredients for balanced meals. Think fruit, nuts, lower-calorie snacks, veggies and lean proteins.

4.) Get real

Emotional health is important, too, so be realistic about what can be expected through the season. Just because it’s the holidays doesn’t mean that Aunt Zoe and Uncle Andrew from Oregon will finally mend their rocky relationship.

5.) Keep moving

Despite the many holiday temptations to just relax, don’t give in to being a couch potato. Get to the gym or yoga studio, go for a walk , jump on the treadmill or dance. The important thing is to just move!

From the Reed Associates Insurance to you, we wish you a happy and healthy holiday season!

Merry Christmas!

As you may have heard, Medicare Supplement Plans C and F will no longer be offered beginning 2020.  With a decision from Congress, Medicare Supplement plans will no longer be allowed to cover the Part B deductible after January 1, 2020.  This is an effort to control costs, as medical costs are ever increasing. Congress believes that by requiring all Medicare members to pay their part B deductible, this will help reduce medical overuse.  This will only affect plans C and F since they are the only plans that do cover the Part B deductible,  and will only impact certain beneficiaries.

New Medicare Supplement enrollees on or after 1/1/2020 will no longer have the option of Medicare Supplements Plan C or Plan F.  Anyone already enrolled in one of these plans as of 12/31/2019 will be “grandfathered” and will still be able to continue with their plan as long as they want.  So if you currently have a plan F or C you will be able to keep it, your coverage cannot be involuntarily terminated unless premiums are unpaid.

To answer the question “What is the best plan to replace Plan F?”……… The Plan that has been the most comparable option will be Medicare supplement Plan G.  Plan G works identically to Medicare supplement Plan F with the only difference being Plan G not covering the Part B deductible – which is currently $183 once a year. Other than that one difference, they work exactly the same.  Plan G will be a very adequate and good plan option.  Furthermore, the savings on the Plan G compared to the Plan F will justify this nominal loss of coverage.

Feel free to contact our office anytime, as we are always more than happy to go over these changes and answer any questions that you may have in further detail.

Is Your Heart Healthy?

Heart disease is the leading cause of death for both men and women worldwide. In United States, there are about 610,000 deaths annually due to heart disease. Traditionally, February is known for celebrating Valentine’s Day, but February is also literally “American Heart Month”, a great time to raise awareness, prevention and start a healthy lifestyle!

Click here for some great tips from the CDC on how to stay healthy & avoid heart disease!

How to Minimize Your Food Waste at Home

Do you often find leftovers and spoiled products in the fridge and need to throw them away? Many of us don’t realize how much food is wasted & thrown out everyday in the US. Cutting off food waste begins at home, and you can make a big difference one small step at a time. Here are some strategies for shopping, storing, and re-purposing that can minimize your kitchen discards!

Read more…

Spring Maintenance for Your Home

When springtime rolls around, almost everyone thinks of cleaning. That’s fine (we probably all need to do a little more of that, after all!), but there’s something even more important to keep in mind: home maintenance.

So, when it’s time to set your clocks ahead for daylight-saving time and change the batteries in your smoke and carbon monoxide detectors, give your home a checkup, too.

Here are some suggestions from the Department of Housing and Urban Development:

Interior and appliances

• Check the basement and/or crawlspace for any signs of standing water or dripping.
• Pull your dryer out and clean the exhaust hose and vent (lint found here is a common cause of house fires).
• Vacuum refrigerator/freezer coils for efficiency.
• Clean exhaust fan outlets and screens.
• Check all air filters and replace, if necessary.

Roof, siding, windows

• Check for damage to your roof and have a professional inspection, if necessary.
• Go into the attic. If there is visible moisture or discoloration, your roof might be leaking.
• Examine the paint on your siding and trim. If it is peeling, you might need new paint to protect against the effects of weather.
• Check for leaks around window and door sills. Improving your seals can lower your energy bills.

Yard and exterior

• Check for signs of rodents and other pests.
• Clean debris from gutters and downspouts, and make sure they are draining away from the home.
• Trim overhanging tree branches and shrubs.

Remember, winter weather can cause significant damage that is easy to spot, but it often results in wear and tear that homeowners can miss if they aren’t looking closely. It’s well worth it to spend a little time on home maintenance this spring, so that wear and tear doesn’t turn into something more serious.

4 Tips to Help Costs on Your Next Road Trip

There’s no better way to see the country than a road trip, and it’s also the way to travel if you’re looking to keep costs under control. To that end, here are a few ideas to help ensure you have a frugal good time out there on the road.

1.) Cut your fuel costs

Planning your route in advance will help you estimate your gas costs for the entire trip. Then, when you’re on the road, use the GasBuddy smartphone app to search for the lowest gas prices near you. Of course, you’ll also want to stick to the speed limit and keep your tires properly inflated to help improve your gas mileage.

2.) Cut your food costs

Think about picnicking and cooking in rather than eating out. Packing healthy snacks in advance won’t just save you money, it may help save your waistline from the drive-through line, too. You’ll also get to explore the local grocery stores and see the different foods available in different parts of the country. And, don’t forget your reusable water bottle to fill up at water fountains.

3.) Cut your lodging costs

Why not book a “room” outdoors? As long as you have room in the car for your camping gear, that is. Oftentimes you can book campsites in advance online. Look for campgrounds with nice facilities, such as showers and even Wi-Fi, and you won’t even sacrifice much in the way of comfort. KOA’s sometime have great rates for small cabins. You will save a considerable amount compared to staying in hotels. If the outdoor life just isn’t for you, look for last-minute hotel deals using apps from Hotels.com, Priceline or Orbitz.

4.) Cut your entertainment costs

No matter where you’re headed, you can likely find some enticing entertainment options that are either free or low-cost. Check the official tourism websites of the cities and states on your route. Depending on the season, you might come across free concerts, lectures or plays at local parks and libraries. Or, check with museums about free admission days.

Whether you’re planning a long weekend or a couple of weeks on the road, we here at Reed & Associates Insurance wish you happy travels! Remember, we’re here to handle all of your vehicle insurance needs to help keep you on the go.

3 Important Things to Know About Fire Extinguishers

Whether your home is a three-story Tudor, a skyline-grazing apartment, or an RV on wheels, you need at least one fire extinguisher inside. But if you don’t have the right one, or you haven’t checked it recently, you may have a false sense of security rather than a fire-fighting device.

There are a few important things to know about fire extinguishers, but they aren’t complicated.

Here are three things to help you get up to speed:

1. There are extinguishers for each type of fire. Class A: ordinary combustibles, such as wood; Class B: flammable liquids or gasses, such as gasoline or propane; Class C: energized electrical equipment like appliances; Class D: combustible metals; and Class K: cooking oils and greases. An extinguisher that isn’t rated for the fire you’re trying to fight likely won’t help.
2. Multipurpose extinguishers are widely available. Typically rated for Class A, B and C fires, they are good for most living areas and also work on small grease fires. You need at least one for each level of your home, and one in the garage is a good idea, too. Store them in an accessible area and inspect them regularly for rust and other damage. Also follow any maintenance instructions included with the device. Some need to be shaken regularly, for example.
3. Remember “P.A.S.S.” when you use your extinguisher. Pull the pin. Aim the nozzle at the fire’s base. Squeeze the lever. Sweep the nozzle back and forth. And always keep your back to an exit when fighting a fire. You need to be able to escape quickly if necessary.

Even more important than knowing how to use your fire extinguisher is knowing when not to use it. If you’d be putting yourself at risk trying to fight a fire, leave the area immediately. You should already have a family fire escape plan in place, so don’t hesitate to use it if there’s any question about your safety.

After all, your life is irreplaceable. Your insurance, however, can help you rebuild your home and replace your belongings. If you’d like to check up on your coverage, give us a call today.

It’s Boating Season

Every summer, our team gets calls from customers after a fun weekend on the water takes a turn for the worse. Often, these accidents could have been prevented with just a few simple precautions. Here are a few tips we like – courtesy of our partners at Safeco.

Don’t let an accident wreck your fun!

Life Preservers Aren’t Just for Kids. It’s not enough to just have life jackets on board — wear them! In an accident, people rarely have time to reach for a life jacket. This rule applies to adults, not just children: More people in their 30s die in boating accidents than any other age group. Life vests have come a long way in style. Today, you can even get vests for your water-loving dog!

Watch the Back of the Boat. Carbon monoxide kills in minutes. So tell your passengers where your exhaust pipes are located and turn off your engine when people are in the water, and don’t let passengers “ski” or “teak-surf” by holding on to the back of the boat. Both Washington and Oregon made teak-surfing illegal in the last few years, after several tragic deaths. Carbon monoxide detectors are standard on most new boats; older boats install devices for less than $100.

Alcohol and Boating Don’t Mix. More than 50 percent of drowning’s result from boating incidents involving alcohol. You don’t drink and drive, so don’t boat and drive.

Boats Need TLC Too. When you’re out on the water, make sure your gas tanks are vented and bilges are free of vapors, oil, waste and grease. Carry a charged fire extinguisher. Have your boat’s operating systems checked yearly by a certified marine technician. The Coast Guard Auxiliary and United States Power Squadrons also offer free vessel safety checks.

Experience Counts! The U.S. Coast Guard says that operator errors account for 70 percent of all boating accidents. Make sure anyone who drives your boat is properly trained. You can also earn boat insurance discounts from Safeco and other insurers if you complete a safety course with the Coast Guard Auxiliary or U.S. Power Squadrons.

How to Keep Your Pets Safe During Fourth of July Fireworks

For most of us, Independence Day is a time to enjoy the pyrotechnics that mark the holiday. But for our pets, fireworks are another story. Many pets can be traumatized by the noisy rockets and firecrackers so many of us enjoy.

At Reed & Associates Insurance, we hope your holiday is happy and safe for you and your pets. So along with our other story about fireworks safety, here are some tips to help you protect your pets on Independence Day in Oregon, or elsewhere.

Protecting your pets

Many pets are very frightened by the loud noises caused by fireworks. If you can’t take them away from the noise, here are some pointers from the American Society for the Prevention of Cruelty to Animals that will help them have a more peaceful holiday.

• Don’t take your pet to a public fireworks display. In addition to the noise, they may be spooked by the crowds.
• If possible, leave your pet inside in a safe, secure room. Do not leave them outside, even if your yard is fenced. They may try to flee, and they may succeed; July is a busy month at many animal shelters, as dogs and cats are frequently found miles from their homes. Taking your pet on a walk early in the day can help tire them out.
• Give your pets a comfortable place to rest, as well as plenty of food and water. You might even leave a TV or stereo on to drown out the fireworks. Provide soothing music, if possible. A favorite toy (or their favorite owner!) can help comfort them, too.
• Make sure your pets have an ID tag or microchip, in case they get scared and escape.
• Check with your veterinarian before giving your pet any medication intended to calm them. They may be able to provide you with a prescription or suggest alternatives.
• And, of course, keep your pet away from used and unused fireworks.

With some common sense and planning, the Fourth of July can be both safe and enjoyable for everyone – and less scary for your pets. Whether you’re staying at home, heading to the EOU Fireworks Show, or elsewhere, we hope you have a wonderful time celebrating Independence Day!

Fixed Annuities may be an option for you…

In recent months and years, we have visited with a large number of individuals that are disappointed with the interest rates that they are earning on their CD’s and savings accounts at the banks. At Reed & Associates we work with a large number of retired individuals and couples. These record low interest rates negatively affect retired individuals the most!

If you are interested I would be happy to visit with you about Fixed Annuities that are paying a very competitive interest rate and are an attractive option compared with the dismal interest rates being offered at the bank. A few of the individuals that we have helped out with an annuity lately have told us that they didn’t know that we did this type of thing and that they wished they had known sooner. We have also assisted individuals that had money invested in other non-guaranteed financial vehicle such as a mutual fund.

The Fixed Annuities that we offer are guaranteed and simple to understand and explain. We would be happy to go over their features and terms with you. If you think that you might be interested feel free to call, email or just come by our office.

Thanks and have a great day!