Category Archives: Short-Term Medical Insurance

6 Tips to Prepare Your Home for the Summer Heat

 

In Texas, we can never be certain what type of weather we are going to get. But one thing we do know is Texas heat is no joke!!
Here are a few tips to help prepare your home for those HOT summer days.

1. Give Your Air Condition a Check Up
Now is the perfect time to make sure your air conditioner unit is functioning at its best. It would be horrible to find out in the dead of summer you’re a/c is going out. First, replace your air filter. Clean any debris from the vent and the exhaust and dust off any dirt from your main unit. Turn you’re a/c on while you leave and test how it regulates the temperature to ensure it is working properly. If something doesn’t seem right, it may be time to contact a professional. Some companies offer a free service check and can tell you of any necessary fixes. This may also be the best time to invest in a programmable thermostat if you do not have one. Programmable thermostats help regulate the use of your air condition and offer energy saving solutions. Look for a blog on Smart Thermostats.
2. Clean and Inspect your Gutters and Roof
During the winter months, your gutters suffer a lot, from freezing rain to fallen debris. Take this time to inspect your gutters for leaks, give them a thorough clean and check for any damage. Inspect your downspouts and ensure they are flowing away from your house. This is also a great opportunity to check the roof for any damages or possible leaks. With the heat comes the rain. Check exteriors and take note of any water build up or cracks that can cause water to seep in. Cleaning the gutters and checking the roof, may not be possible for everyone, especially those in a two-story home. Contact a professional if you need assistance.
3. Change Your Ceiling Fan Direction
Did you know that your ceiling fan is meant to run in different directions based on the season? During the winters months, it should run clockwise to help distribute heat that rises. As for the summer months, your fan should run counter-clockwise at a higher speed to get a breeze flowing. Check to see which direction the fans in your home are moving, and, if necessary, hit the small black switch near the base to change directions.
4. Clean Windows & Screens: Check for Ventilation
It’s time to wash away the winter build up on your windows and screens. Take some vinegar and water and scrub away the winter grime from the exterior of your windows. Rinse off all your screens and replace the old torn ones. Check your window seals and weather stripping during this time to ensure there are not any leaks in the ventilation. Replace or re-caulk where necessary. This keeps the cool air in and the hot air out.
5. Inspect Outdoor Plumbing
The water hose hasn’t seen the daylight in quite some time. Begin checking your outdoor plumbing before the summer heat is in full force. Run your sprinklers and test the system to make sure everything is running smoothly. A slow trickle may be a sign something is not functioning properly. Finding out you have a busted pipe right when your kiddos are ready to run the sprinkler, is no fun! If you are unable to find the cause, call a professional to come out and take a look.

6. Prepare for Summer Bugs
With the hot summer days and the rain comes bug heaven. During the winter months, you may not notice more bugs making their way in. However, most of these insects stay cooped up in the walls or attic. Enter summer months- bugs wake up and began to head back outdoors. The hot, humid weather also makes for a great combination of insects. Find a DIY pest control solution here and begin to treat all your baseboards, exterior exits, and windows. If you checked for ventilation in the windows- you are one step ahead!

In Texas, we can never guarantee any type of weather. But we can guarantee our home will be ready to take on the heat. Contact your Al Boenker Insurance agent today to see how they can help you save on your home insurance.

Be Prepared to Tackle Your Taxes This Season

It’s that dreaded time, Tax Season! You have those that prepare all year long, are organized and ready to pass everything on to their CPA or Tax professional and BAM taxes are ready to be submitted February 1st!  Then there is the rest of us who will wait to the last minute, scramble to find all the documents and still feel unprepared to file.

However, being prepared and confident is not a far reach. Whether you recently got married, had a baby, bought a home, changed jobs, or started a small business, there is no reason to delay filing. Waiting until the last minute and scrambling adds more stress to the already stressing task.

Here are a few tips and tricks to prepare yourself to rock your taxes!

  1. Don’t Delay! Remember the saying, “The early bird gets the worm?” well unfortunately when you delay it takes a lot longer to see your tax return. Filing early prevents you from scrambling to meet the deadline -eliminating errors and a quicker turn around on your refund.
  2. Gather Necessary Documents Having all your documents ready when you visit your tax professional or sit down to file saves time and eliminates the  Get a complete tax checklist here.
  3. Know Your Deadlines Deadlines are very important when it comes to your taxes. If you need to file an extension make sure you do so before the cut off. This will prevent you from acquiring more fees and penalties. Here are your deadlines.
  4. Get Help! Reach out to your local tax professional. Most will let you call or stop by and offer you some guidance. Seeking assistance is one way to guarantee that you are getting the most out of your refund and not making any mistakes. No one wants to get audited…

Tax season can be daunting, but it doesn’t have to be! Utilize your resources, do a little research if there was a major milestone in 2017 and don’t wait until the last minute! You got this! J

 

Benefits to Having a Short-Term Medical Insurance Policy

insuranceWhile most people in Texas think “bigger is better,” there are times in life when going small is the answer. Such is the case when you are between jobs, gearing up for retirement, or just aged-out of your parents’ insurance plan. During these times, it makes sense to go small – or a least smaller – with short term medical insurance.

Designed to fill the gaps in health insurance coverage when you are between long term medical insurance plans, short term medical insurance protects you against major medical expenses, including unexpected accidents or unforeseen illnesses. Short term health insurance plans do no typically cover preexisting conditions or preventative care. Rather, short term plans are designed to protect you against major medical expenses in between long term coverage.

Short term medical insurance plans can include coverage for anywhere from a few days to up to several months. Depending on which package you choose, many short term medical insurance plans can be tailored to cover an exact amount of days you need. For instance, imagine you just changed jobs and your new employer doesn’t offer health insurance until you have been employed for 60 days or more. You can purchase a short term medical insurance plan that covers you for the exact number of days from when your previous health insurance coverage ended and your new medical insurance plan goes into place.

Another perk of short term medical insurance is that the application process is typically much simpler and quicker than with regular health insurance plans. Thinking of retiring this summer but you are not eligible for Medicare until the fall? No problem – short term medical coverage can fill the gap so you can enjoy your first few months of retirement without the worry of an unexpected medical expense arising. Should you need coverage for preexisting conditions and/or preventative care during your lapse in long term health insurance coverage, you might consider COBRA coverage from your previous employer.

Click here to get a short term medical insurance quote in three seconds with our Rapid Quote system.