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4 weeks ago · by · 0 comments

Fall Auto Tune-Ups Can Prolong the Life of Your Vehicle

Whether you drive a vehicle that’s hot off the assembly line or one that’s old enough to be an antique, you want your car to last a long time. A fall tune-up helps you achieve your goal. It also maximizes fuel efficiency, prevents expensive repairs and ensures your vehicle runs properly all winter.

Read the Owner’s Manual 🙂

In the back of your vehicle’s owner’s manual, you’ll find a tune-up checklist. Follow it carefully as you ensure you repair and inspect all the essential areas of your vehicle this fall.

Fix the Brakes

Your mechanic should inspect the brakes for wear and ensure the brake lights on your vehicle work properly.

Change the Oil

Your vehicle’s engine requires engine oil as it operates smoothly. Top off the oil this fall or invest in a complete oil change, especially if you’ve driven 15,000 miles since your last oil change.

Check the Battery

Wipe off the terminals and make sure the battery is attached correctly. If it’s older than four years, replace it so that you’re not left stranded. Spray some battery protector.

Inspect Hoses

Soft, leaky or loose hoses seem like a small detail, but they’re important for proper engine performance. Inspect all your engine’s hoses to ensure they’re attached properly and replace any that aren’t in good working order.

Top Off Fluids

Low transmission fluid and coolant affect your vehicle’s performance and could damage the engine. Top off these fluids this fall. You’ll also want to fill your windshield washer fluid and the antifreeze reservoir.

Inflate the Tires

You’ll experience a smoother ride and enjoy increased traction when you inflate the tires to the proper level. Find the recommended tire pressure on your vehicle’s door sticker. Tire pressure can reduce slightly in the cold, and your tire pressure sensor (TPS) can sound a false alarm.

Update Insurance 🙂

Now that your car is tuned up, update your auto insurance, too. Make sure you have adequate coverage to handle any repairs or liability that may occur during a winter storm or after an accident. With these tune-up tips, you prolong the life of your vehicle.

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1 month ago · by · 0 comments

Why Life Insurance Awareness Month Matters

Life insurance gives you peace of mind as it provides financially for your loved ones, favorite charity or another purpose. September is Life Insurance Awareness Month, and it matters for several reasons.

Spouse or Life Partner

A successful marriage or partnership includes sharing life and provisions with each other. Continue this arrangement after your passing when you purchase life insurance. It provides financial resources that can pay for final expenses, debts and daily living expenses. You continue to provide for and support your loved one when you purchase enough life insurance.

Children

Caring for your kids is one of your greatest responsibilities in life. Continue caring for them in the future with life insurance. It covers their daily living expenses, funds college or provides additional support as they grow and mature. With life insurance, your legacy lives on as you care for your children.

Home

The home you buy often includes a 30-year mortgage, utilities, insurance, and taxes, expenses that continue even after your passing. Life insurance can pay for these expenses, allowing your family to remain in the home you shared. You minimize stress and give your family peace of mind when you purchase enough life insurance to cover home expenses.

Retirement

You may save an adequate nest egg to fund your retirement. Life insurance provides an additional supplement for your surviving spouse or partner. Your loved one may reinvest the money in a retirement account or use the money to pay daily living expenses, finance a move to a retirement community or cover other expenses.

Charity

Continue to support your favorite charities after your passing. Name one or more charities as the beneficiary on your life insurance policy or donate the policy to charity. In this way, you continue to support the causes you believe in.

Business

As a business owner, you may provide group life insurance for your employees or purchase extra life insurance coverage for key staff members. Life insurance can also fund a buy-sell agreement. For these reasons, it’s a valuable asset for your business.

Legacy

Your life insurance death benefit could become part of your estate. As such, it increases the amount of money you can give to heirs and other important causes.

Beneficiary

Every life insurance policy includes a beneficiary. Review your policies this month and verify that you have chosen the beneficiaries you want. You may change your mind, choose more than one beneficiary or purchase additional policies to provide for your chosen loved ones or charities.

Life Insurance Awareness Month in September matters to you for several reasons. Make an appointment today to discuss your life insurance policies and needs with your insurance agent as you prepare for the future.

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2 months ago · by · 0 comments

Real Estate – Making an Offer? Avoid the X Factor.

Have a safe Labor Day Weekend!

With real estate inventory shortage in most areas in California (and the rest of the country), making an offer to buy a home requires some finesse. Most sellers agents are taking backup offers and are expecting bidding wars.

There are those that negotiate for the most reasonable deal possible and those that negotiate for the sake of negotiating. Sellers and buyers alike need to realize that the best deal possible is one where both get what they want in the deal.

This isn’t necessarily an easy point to arrive at and is often a lesson in patience. In real estate, there’s something called the X-factor – a potential home buyer spends countless hours viewing properties until they finally find their perfect home. Instead of making an offer based on what the value of the home is to them and what comparable prices are, they immediately start to ponder how much less they should offer than whatever the asking price might be.

Sorry, but there isn’t some tacit X-factor percentage that should just automatically be subtracted from all listing prices. Home owners are more often than not just as eager to sell as the buyer is to buy. If so, the price of the home is usually realistically priced and priced closely to its comps.

Still, the quest for a deal spurs many to start with a low-ball offer that’s not only unrealistic, but often insulting to the seller. If the seller is offended, negotiations usually die before they’ve ever begun. So, any serious buyer shouldn’t have some magic automatic deduction from an asking price in their head. Look at the comps in the area and determine what the value of the home is for you based on how congruent it is to the needs and desires of your family.

How a purchasing price is arrived at for both owner and buyer is a very personal process. When accepting an offer, a buyer considers how fast they need to sell the home, how bad they need to sell the home, pressures from having already purchasing a replacement home, what is owed on the home, and so forth.

On the other hand, two potential buyers can look at the very same property and come up with two very different personal values for the home, depending on how congruent it is with each of their needs, the location of the home, appeal of the home, amenities, school system, and so forth. Aside from personal value, buyers and sellers must also look at the how much a lender will lend on the home based on it appraisal.

Price isn’t the only thing negotiated during the sale of a home. There’s also time lines, what will stay and go from the home, and who will pay for any problems found upon professional inspection. The most important thing for buyers and sellers to remember is that negotiating isn’t about one side getting everything they desire; it’s a give-and-take process of compromise.

To avoid a winner-take-all complex from forming, buyers and sellers should both have a list of top priorities prior to starting any negotiations. As new issues arise during the process, priorities might need to be re-evaluated to see if the priority is truly a must have for the home to change hands.

Many problems, such as fees and repairs, often can be solved by the buyer and seller meeting in the middle. Agreeing to split the costs evenly can be a much better option than wasting time and money to negotiate for weeks. For example, a seller that will pay another mortgage payment because of the additional time spent negotiating might actually find it cheaper to pay half the cost of a minor repair and close the deal before the next note is due.

Sometimes there are legitimate deal breakers. If so, then it just wasn’t the best option for the parties involved. But, before giving up, do try mulling over the troubling aspect of the negotiation for a few days. You can move on to the other areas of the negotiation. If everything else is agreed on, then there may be more encouragement to compromise on the problematic area.

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Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

Physical:
783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

Mailing:
PO Box 1170
Watsonville, CA 95077-1170

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(831) 661-5697

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