Posts by Mike Hoskins
Spring has sprung?
Spring in Michigan … is it here to stay or are the sporadic warm days tormenting us by giving a glimpse of things to come as we muddle through the next April shower or surprise snow/ice storm? The excitement of the changing weather, the emergence of new growth in the fields & gardens, and new…
Read MoreKeep Your Mind (and eyes) on the Road
What is distracted driving? According to the National Highway Traffic Safety Administration (NHTSA), distracted driving is “any activity that diverts attention from driving — anything that takes your attention away from the task of safe driving.” There are three main types of distractions: Visual: taking your eyes off the road Manual: taking your hands off…
Read MoreWatch that Step!
March is Ladder Safety month. Using ladders on the job is an everyday occurrence. At home it is often a weekly or at least a monthly occurrence. Who among us at home or work has not been able to find a ladder when needed and used the nearby handy chair, box, bucket, or other object…
Read MoreThe lowest priced car insurance may not provide the coverages you think you have (part 2).
In part 1, we introduced the idea of looking at a proposal vs. a quote. Understanding the value of the total proposal package (price, value/coverage, and service) you are considering vs. price alone is what is important. We also reviewed what coverages to look for compared to the price being quoted. In part 2,…
Read MoreThe lowest priced car insurance may not provide the coverages you think you have (part 1).
It is no secret that car insurance rates are rising. Between inflation, sky-high auto repair costs, supply chain delays, and labor & parts shortages, consumers are paying more for insurance. When you are on a budget, it can be tempting to choose the cheap car insurance option. Some may even consider taking their chances and…
Read MoreBattling Old Man Winter
The beauty of winter brings picturesque scenes, a white Christmas, and the fun of winter activities. When we have winters with fluctuating temperatures, our homes can be quietly under attack from the melting snow and ice. Left unattended, snow and ice build up can create all kinds of damage outside and inside the home. Issues…
Read MoreDon’t Wait Until Disaster Strikes — Create an Inventory of Your Belongings Now
If a fire or another disaster destroyed your home, would you be able to account for all your items? Probably not. It is hard enough to recall everything you own in normal situations, but it is even more challenging when tragedy strikes. Any large-scale loss of property is devastating. However, if you make an inventory…
Read MoreYour Future is Bright with Life Insurance
Read time: 3 min We get it. Talking about life insurance is difficult. But, in a world of uncertainty and change, planning for the future can help bring you peace of mind. You may not plan on needing life insurance for a long time, but it’s never too early to purchase. It’s easy to think…
Read MoreThink you are too young to need Life Insurance? Think again …
Many young people do not think about the importance of life insurance or whether it is something they need to add to their financial plan. That is probably because the concept of illness or mortality is not top of mind at that stage of life. But death can be sudden, and preparing for the unexpected…
Read MoreHow Does Cyber Security Affect My Dinner Tonight?
As one walks through rows of corn on a beautiful summer day, rides in the cab of tractor combining fields, breathes in the smells of a delivery to the local granary, or shops in the local smokehouse and butcher shop for this week’s dinners, there is often little thought or concern given to how a…
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