Around Christmas time and through the holiday season, there are many ways to show your festive spirit by helping out the homeless and needy throughout Boston and the [astStateFull] community. So what do homeless people need exactly around this time of year? Here are some ways you can be charitable and care for your community around this area.
Giving Your Time
One of the best ways to show your holiday spirit this winter is to find a way to give up some of your time to help the needy and homeless. There are many local pantries throughout [astCompanyName], especially in the Boston area, so go ahead and find one. Volunteering at your local food pantry or other charitable organization will help people and make you feel good, too!
Greater Boston Food Bank
As New England’s largest hunger-relief organization, the Greater Boston Food Bank is feeding and doing a lot of good for countless homeless and needy throughout Boston and the state of [astStateFull]. Additionally, over 90% of the monetary donations received by the Great Boston Food Bank go directly to hunger-relief efforts in the community. Learn more about how you can donate to this particular organization’s good work; after all, your charitable efforts can mean all the difference!
Donating to the Community
Having a charitable spirit around Christmas and throughout the holiday season is all well and good, but put that spirit into action! Why not go through your home to gather up items and clothes that you no longer have use for? Put together a box or two, and make a trip to your local Salvation Army, Goodwill, or other charity to donate! Making a donation to the homeless or needy will help to keep people warm and fed this holiday season. And what is more festive than that?
To find out more about [astCompanyName]’s involvement with the [astStateFull] community, or to learn more about the agency’s products and services, don’t hesitate to call us today at [astPhone]. Enjoy the season, and happy holidays!
If you have a home based business, you may be confused about what type of insurance policy you require. For example, some people wonder if their home based business is completely covered through their homeowners insurance policy.
However, if you run a business out of your home, you most likely need a business insurance policy in addition to your homeowners policy in order to be covered. Why? Homeowners insurance policies weren’t built to cover all of the needs and liabilities of businesses. Learn more by checking out these facts about these two policies, and why you may need a Massachusetts business insurance policy.
- First, check your homeowners insurance coverage or speak with your insurance agent for more details. Sometimes, your home insurance policy may offer a small amount of coverage for your business, however it is typically inadequate. For example, certain business equipment such as computers, printers, fax machines, or other basic office items are typically included through home insurance but only come along with a small replacement cost limit that is much less than you will actually need.
- Typically, the limited coverage that home insurance provides for business purposes was only designed for employees who bring home some of his work or some of the business’ property home after work.
- Your home insurance policy won’t cover any business activities that you do away from your home.
- Your business activities at home may actually be negatively impacting our home insurance coverage. For example, if you run your business out of a detached outbuilding, such as a garage, you’re homeowners insurance will actually no longer apply to that detached outbuilding. Or, if you are trying to claim business and personal losses both onto the same policy, your insurer may not want to re-new your policy.
- Your home insurance won’t cover injuries of clients or employees that occur on your property, as a business insurance policy would. Businesses typically require much higher liability coverage than homes do, so using your homeowners policy could leave you paying high costs in certain situations for losses, injuries, or damages!
If you have been thinking that your Massachusetts homeowners insurance coverage is sufficient to also protect your home based business, you’re most likely left exposed! Contact a local Massachusetts independent agent to discuss your insurance options before you need to make a claim.
Changing a tire is actually easier than you think. It’s important for any driver to know how to properly change a flat tire in case of an emergency. While having a cell phone with you or being a member of a roadside assistance program can get you out of this situation as well, you never know what may occur while on the road, so it’s best to over-prepare!
How to change a flat tire:
1. Park as far off the road as you can, on solid and level ground so you are in a safe location.
2. Place the jack under the frame of your car close to the flat tire. Make sure that the jack is coming into direct contact with the metal section of the car frame, since it can crack the plastic area of your car.
3. Begin to raise the jack, and stop when it is fully supporting your vehicle. Make sure that the car isn’t actually lifted off of the ground, and that the jack is perpendicular to the ground.
4. After taking off your hub cap, loosen the nuts on the tire. (Remember “righty tighty, lefty loosey”!). Don’t completely remove the nuts yet.
5. Use the jack to lift the car up more, so that there is a big enough gap between the car and the ground to replace the tire. As you lift, make sure that the car seems stable and is not shaking and leaning to one side.
6. Now, take all the nuts off of the tire.
7. Take the tire off your car. If it seems to be stuck, try hitting it with a rubber mallet or even the spare tire in order to loosen it from your car.
8. Place the spare tire on your car’s hub, making sure everything (including the nuts and bolts) are all properly aligned.
9. Begin to tighten all of the nuts, making sure they are equal to ensure the tire is balanced.
10. Lower the car back down to the ground using the jack, and tighten the nuts the rest of the way.
11. Remove the jack from your car, and replace the hubcap!
As a driver, you never know what kind of emergencies you may encounter while on the road. That’s why taking proper precautions and preparations such as auto insurance and roadside assistance is necessary. However, these things won’t always be able to immediately help you in some emergencies, especially if you are unable to get cell phone service. That’s why every driver should know how to change a flat tire!
There is not much that you can compare to the joys of a New England winter…
Oh wait, are you trying to say that you live in Massachusetts and you don’t exactly enjoy the cold of winter? Oh, well… while we are sharing secrets: We don’t either! Don’t get us wrong, the snow looks beautiful on the Boston streets but winter weather is cold and wet and makes for incredibly difficult travel. Driving in winter weather is the absolute worst!
We all know that winter’s can last a long time in New England, so before you have a winter emergency, we urge you to prepare now and make you own winter car survival kit. Many motorists already have a car safety kit, but there are some items you may want to add for the colder, snow-filled winter months.
Here is what we recommended for your car safety kit for winter:
1. A first aid kit
2. Emergency flares
3. A flashlight
4. Jumper cables
6. Warm clothes
7. Bottled water
8. Hand warmers
9. A small shovel
11. A whistle
12. Your auto insurance information
Remember, the winter means that there is a chance you might become stranded in the middle of a snow storm. This is why we recommend you have warm clothes, a shovel and sand in your winter car survival kit. You may find that you are stuck in a situation where there is an icy road and the sand will help you travel safer. Or, you may find that you are stuck in a parking lot and the shovel could help you safely leave the lot.
Additionally, it is always a good idea to have your car insurance information on you so that if you need to call for roadside assistance or to file a claim you have the information on hand. Remember, you can always talk to your insurance agent about who to call for a dead battery, cracked windshield, or even if you run out of gas – roadside assistance coverage is often something you can purchase as part of your policy.
With the number of senior drivers on the road growing rapidly, many states have developed special programs, tools and other resources to assist with older drivers safety. When it comes to safe driving, the local agents here at Paul Murphy Insurance in Malden, Massachusetts hold nothing back. Our agents want you to be safe on the road – today, tomorrow and always.
First things first, here in Massachusetts, let us summarize the programs and licensing requirements:
- Motorists are required to renew their driver’s licenses every 5 years.
- When a license is renewed in-person, an individual must pass a vision test.
- Until the age of 75, a Massachusetts resident may renew their license electronically, that is, online.
Over the age of 75, the only limited renewal options in the state of Massachusetts are as follows:
- Motorists over the age of 75 must apply in person for every license renewal.
While our state does not require specific regulations for senior drivers, the DMV does provide resources to help with safety. It is important to realize that elderly drivers experience many different changes in their lifetime that can impact changes. If you are the loved one of an older driver, you may want to talk to your driver about:
- Vision changes
- Medical conditions and medications that may affect driving abilities and how to reduce those risks
- Hearing loss and impairment
- Keeping a safe and fit mind for driving
- Reaction time
It is important to review the rules of the road regularly, for any driver. All states offer defensive driving courses. In Massachusetts, the DMV offers these courses regularly, and they are a good way to brush up on ways to stay safe and alert on the road.
Keep in mind that driving can be dangerous. As the loved one of an elderly driver, it is important to pay attention to any warning signs that someone may be unable to drive safely. While normal aging does not affect driving, there are medical conditions and medications that can impact driving. Watch for traffic violations or near-collisions that your loved ones may be involved in. Remember, safety is always a priority.
Additionally, talk to your local Massachusetts auto insurance agent about insurance for elderly drivers – there may be discounts available for those with a long history of good driving! *