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5 Heating Myths Busted

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Have you believed any of these myths? Knowing the facts will help you stay warm efficiently!

 

Myth #1: Turning off the heat in your home during the day is the best way to conserve energy.

Fact: Reheating your living space after turning off the heat can actually be more expensive than lowering the temperature of your home, according to the U.S. Environmental Protection Agency, or EPA. Also, if a water pipe bursts because of the very low temperatures, the repair can cost thousands of dollars.

Solution: Invest in a programmable thermostat, which can be as cheap as $20 or $25 at big-box stores. During the winter, if you schedule your thermostat to drop to 68 degrees when you’re home and lower when you’re sleeping or away, you can save $110 per year or more, according to EPA estimates. If you choose to install the thermostat yourself, be sure to shut off the electricity in your house during installation.


Myth #2: Using a wood-burning fireplace will reduce your heating bills.

Fact: “Fireplaces are designed primarily as entertainment-oriented appliances. They are not designed for heating large areas,” says Ashley Eldridge, director of education for the Chimney Safety Institute of America, or CSIA. “While there are some modern fireplace designs that do heat, most of your heating will come from a central furnace.”

Solution: Decorate your mantle, but limit lighting a fire to the times when you want to add a cozy touch.

“In most cases, using the heater is going to be a better choice from a thermal performance point of view, but fireplaces may be desired as an aesthetic choice,” says Max Sherman, a fellow at the American Society of Heating, Refrigerating and Air-Conditioning Engineers, or ASHRAE, and a staff senior scientist/group leader at Lawrence Berkeley Laboratory.


Myth #3: Portable space heaters guzzle energy.

Fact: “Space heaters can be an energy-efficient option in a poorly insulated house when it is acceptable to only heat a small area,” says Max Sherman.

Solution: If your home doesn’t come with central heating, a portable space heater may be your best bet for warming up. However, not all space heaters are created equal; do your research before buying.


Myth #4: Electric blankets waste energy.

Fact: “Electric blankets use very little energy. They are definitely more energy-efficient than the same-weight blanket and a higher room temperature,” says Sherman.

Solution: People can feel cold at different times and at different temperatures. If you or your family members can’t agree on a room temperature, don’t automatically turn to the thermostat to suit everyone’s comfort level. Instead, using an electric blanket may help solve the Goldilocks-like temperature dilemma until everyone feels “just right.”


Myth #5: Your water heater always works efficiently.

Fact: Heating your water typically accounts for about 18 percent of your household utility bills. You could save $24 to $60 annually by lowering the thermostat of an electric water heater to 120 degrees Fahrenheit, down from the manufacturer’s default setting of 140 degrees Fahrenheit, according to the EPA.

Solution: Wrapping the tank with a fiberglass blanket also helps retain the heat longer, says David Slater, an Association of Energy Services Professionals member from CLEAResult Consulting. The blanket slows down how quickly the water heater loses heat, so you’ll use less energy to maintain the tank temperature.

U.S. Environmental Protection Agency

Max Sherman, a fellow at the American Society of Heating

The Electric Blanket Institute

David Slater, an Association of Energy Services Professionals member from CLEAResult Consulting


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Turkey On The Brain – Thanksgiving & Hunger Facts

Turkey isn’t the only thing Thanksgiving is about.

With Thanksgiving just around the corner, we thought you would enjoy some fun Thanksgiving facts along with a gentle reminder to think about those less fortunate. We at AMSkier Insurance, make a point of donating to our local food pantry all year round, but especially around Thanksgiving. We invite you to join us in the fight against hunger in the United States. Be entertained and check out our infographic below!
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Evacuation Planning

National Preparedness MonthMeet Jennifer Fountain, AMSkier Personal Insurance Agent Partner. Jennifer has three children, a full time job and is very active in her community. She’s a busy bee and certainly empathizes with the struggle to keep a hectic life in balance. She also knows that it is very important, no matter how busy you are, to take the time to be prepared for anything. September is National Preparedness Month so take a few tips from our Personal Insurance Agent, Jennifer Fountain!“Our family has an evacuation plan, just in the case we ever experience a true disaster. We know where we will go, how we will get there, how we will stay in touch and who will know where we are. This plan is spelled out and distributed to everyone in our family. We’ve practiced and rehearsed this plan. It’s important for all families to do the same. To make it easy for you, I’ve created a 5 point checklist below!”

  • Designate a place for all family members to meet. Make sure the meeting place is outside the impacted area.
  • Map out an evacuation route. Make sure you have alternate routes mapped out in case your main route is blocked.
  • Decide how family members will communicate if separated. Have alternate communication plans with which everyone is comfortable in case there is no phone service. Obtain cell phone numbers for texting; often times text messages will go through when cell service is compromised.
  • Keep fuel in your car. Determine how much fuel you will need to reach your meeting place.
  • Identify a contact person outside the affected area. Give their contact information to everyone in the family so they can serve as points of contact should you get separated.
  • Obtain & keep portable communication devices in your survival kit. Be sure your survival kit includes a portable radio or television and fresh batteries to ensure you can get the most up-to-date information if faced with an evacuation.

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Remember Your Reusable Bags

Remember Your Reusable Bags

Being environmentally conscious is important to us at AMSkier Insurance Agency and we know it’s important to you too. We take many steps to ensure the health of our planet around the office by recycling, using paper sparingly, and reusing whenever possible. We do our best to take good green habits home with us too. On the occasion of Earth Day and with Hawley Earth Fest coming to town, we wanted to focus in on one specific and sometimes overlooked way we can be better to our planet: making a habit out of using our reusable shopping bags.

Most of us have at lease a few of these eco-friendly, reusable shopping bags, but what good are we doing if we forget to bring them to the store?

Here are some useful tips and tricks on remembering your reusable shopping bag:

REMINDERS

Remind yourself in a way that fits your lifestyle

  • Many of us are fortunate enough to have smart phones with the ability to set location based reminders. Do yourself and the planet a favor – set those reminders up on your phone now. Choose your favorite places to shop and make sure you are reminded to get out your reusable shopping bags when you are in the area.
  • Put a reminder by the door or wherever you think you’ll see it most when you are thinking about shopping. We created a pretty printable sign for you to frame and hang wherever you see fit! Reusable Bags Reminder” target=”_blank”>Download the PDF here.
  • Place a sticky-note with a handwritten reminder on the dashboard of your car.

EASE OF USE

Make it easy to bring your bags to the store with you

  • Put bags in plain sight in your car and on your doorknob.
  • Consider getting a few folding reusable bags that can be compacted into a small pouch and carried around in your purse, briefcase or backpack. There are many options available on the market.

INCENTIVES

Rewards for when you do well and some tough love when you forget

  • Many stores refund a few cents per bag. Offer to pay this amount to your kids if they remind you to take in the bags before you remember. They won’t need to be asked twice!
  • So, you went to the store, did your shopping and realized you forgot your reusable bags in the car. Let the bagger put your items in your cart and then quickly go out to your car, retrieve your reusable bags and bag your own groceries. You will quickly train yourself to never forget your reusable bags again!

 

At AMSkier Insurance, we know that when we strive for a healthy planet we tend better life choices. Securing quality insurance for your valuables is yet another healthy life choice. Give us a call at (570) 226-4571 anytime so we may find the best fitting coverage on your home, boat, auto, wedding, summer camp, business and more. Have a healthy, happy, green habit making day!

 


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Boat Safety

Preparing Your Boat for the Water

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If you properly winterized your boat, fantastic! However, you still need to follow this checklist before taking it out of storage.

 

The Boat

First step: Clean Your Boat

  • Your boat has been sitting in storage all winter, so wipe down the interior, run the vacuum and power-wash the bottom
  • Repair any dings, dents, scratches and gouges
  • Apply a good coat of wax to protect the surface from UV damage
  • If you use bottom paint, this is a good time to apply a fresh coat to keep slime and barnacles from damaging your hull

Second Step: Check for Damage/Rot

Pay special attention along the waterline, in the transom and under decks that might have retained moisture.
Clean and polish all bright work
Replace hull zincs
Clean and grease winches, lubricate the anchor windlass
Clean canvas, bimini and dodger
Check rudder, fittings, stanchion, pulpits and lifelines for wear
Inspect and test trim tabs
Go below deck and check hoses and lamps

Engine and Electrical Components

  • Install fresh spark plugs
  • If you didn’t change lower gear case oil last fall, do it now
  • Check all other fluid levels
  • Lubricate all moving connection
  • Reconnect fuel lines (and tighten or replace hose clamps if needed)
    • If you disconnected any electronics, now is the time to reconnect them and test each item before you launch. Don’t forget to take a look at your oil, fuel and air filters, and replace them if needed.
    • Don’t forget to check safety equipment including signaling devices, fire extinguishers, hand pumps, first aid supplies and life preservers.
  • Inspect your fuel system for leaks. Soft, brittle or cracking indicates damaged hoses that need to be replaced
  • Charge your battery and test it to make sure it can still hold a charge
  • Inspect your propeller for damage that can cause unwanted vibration and harm your drive train. Make sure the propeller is secured and replace the bearings if needed.
  • Check belts and cables for wear. Black residue near the pulley could indicate a worn or loose belt. Cracking and swelling on control cable covering requires immediate attention.
  • Be sure that you test your engine before you launch. Do this in an open, well-ventilated area (definitely NOT inside your mini storage unit).

 

Safety Equipment

Do not skimp on this very important step. At AMSkier Insurance Agency, we advise that you make sure essential safety equipment is in good working condition and that time-sensitive components haven’t expired. This can include first aid kits, flares, fire extinguishers and life preservers.

 

Trailer

Make sure you don’t sink your boat before you make it to the water! Give your trailer a thorough inspection to avoid accidents on the road.

  1. Make sure the rollers or bunks on your trailer are in good working condition.
  2. Hook up and test your trailer’s turn signals and brake lights.
  3. Check the winch straps and chains for wear. You don’t want to lose your boat in tow.
  4. Check your winch and lubricate it if the movement is stiff or jerky.
  5. Make sure the latch on your coupler is working properly.
  6. Repack your bearings with grease.
  7. Finally, be sure your registration is current. Getting a citation on the way to opening day is a big buzz kill.

 

Okay matey! You have completed your checklist and you are ready to enjoy the water, but before you go, we have a few more tips to help you out!

 

At AMSkier Insurance, you can often enjoy the benefits of having all your valuables insured in one place. This allows us as your insurance agent to build a more complete picture of your needs. We write across 45 states, so no matter where you are,  we can help identify the protection you need by reducing the potential for expensive “gaps” or unnecessary overlaps in coverage. Since we have your boat insured with us, we may very likely be able to get you a great rate on your home, your auto, your golf cart and more. Give us a call at (570) 226–4571 to learn more.

 


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