Home warranties are intended to be insurance policies to protect against home system breakdowns. Prior to purchasing a home warranty, obtain a copy of the warranty to review and ask questions about coverage. Consider the following: Just like every insurance policy, warranties have exclusions. Determine what exclusions apply. For example, bathroom plumbing may be warranted, but the steam room or jacuzzi may be Read More
Heating Ventilation Air Conditioning (HVAC) Warranties
Prior to buying a new system, read the warranty, so there are no surprises when you need to use it! As with any warranty, ask questions about coverage of specific parts and the labor associated with repairing or replacing parts/components. An HVAC warranty should clearly explain coverage for labor and all service call charges included and excluded, including any minimum charges for labor to replace a Read More
Heavy Equipment Warranties
To reduce risks at construction sites, where heavy equipment is relied upon daily, it is vital that all equipment warranties are understood. Here are a few significant points to consider when purchasing a heavy equipment warranty. What is covered and what isn’t – You want to budget for potential repairs to any major equipment, and in order to do so accurately, you need to know what is or what isn’t covered under Read More
New Vehicle Repairs? 5 Things You Can Do to Protect Yourself
New car/truck repair problems? Five things you should do if you have repair issues with a new or leased vehicle: Repair issues after a major investment in a purchase or lease can be frustrating and stressful. It can have a significant impact on all aspects of your life: work, commuting to work, school, family transportation. You just got the vehicle and the check engine light is on? That’s why we make investments in Read More
Emergency Planning
“Planning is bringing the future into the present so you can do something about it now”. - Read More
Understanding Taxes
Taxes! Even smarty pants Albert Einstein recognized the challenge of income tax when he claimed they were “the hardest thing in the world to understand.” Life events like marriage, retirement, selling and inheriting property whether foreseen or not, can make tax obligations more complicated and create a large financial burden that was avoidable with proper guidance. That said, changes in the federal and state tax Read More
6 Important Vehicle Purchase Tips
Vehicle Repair History: Always, Always, Always ask for repair history documents of the vehicle you are considering to purchase. Ask even when the vehicle is new, it can be damaged during transport. Though advertised as a Certified Pre-Owned, it may have been in an accident, and if you do not ask specifically you will not likely receive the repair and accident history. A manufacturer's dealership should be able Read More
