baltimore

13 Ways to Help Others This Winter

Even if it's been a relatively mild winter, it can feel like winter will never end. And while the harsh weather is inconvenient for many, it can be a major issue for the elderly, disabled, sick and homeless in your community.

If you're of able body and kind heart, you may wonder how you can help your neighbors in need. Here are 13 ways to show you care this season.

  1. Shovel your neighbor's walkway and/ or driveway. It lets them come and co with ease - plus, it's often the law.
  2. Brush the snow and ice off their car. (Here are some tips to make it easy.)
  3. Clear snow off of the street signs, storm sewer grates, fire hydrants and mailboxes if they're covered with snow. It benefits everyone's safety.
  4. Check on your elderly neighbors before and after a bad snowstorm or cold snap. (bonus points if you bring soup!)
  5. Leave hand warmers in your mailbox for the mail carrier.
  6. Offer to pick up a neighbor's groceries or prescriptions. We all know how hard it is to drive on black ice or in a blinding snow storm.
  7. Offer to get a neighbor's mail if it's at the end of a long drive or on a country road.
  8. Bring over a baked good or have your kids draw pictures for a neighbor. (Preferably beach scenes!)
  9. Volunteer at a homeless shelter or food pantry. They tend to be at capacity in the winter as people seek relief from the cold temperatures.
  10. Donate to a coat drive.
  11. Donate money to a heating assistance program - often times, you can do so when you pay your heating bill.
  12. Volunteer for Meals on Wheels or another program that helps the homebound.
  13. Donate an old (but still working) snow blower or a shovel to a neighbor in need.

Doing any one of these kind deeds could make a world of difference to someone - and studies show that it will benefit you as well!

 

Today's insurance tips and ideas brought to you by ERIE Insurance.

 

6 Reasons that Shouldn't Hold You Back from Buying Life Insurance

What are the real reasons holding you back from getting life insurance? Are you like the majority of Americans who don't have it, but say that they know they need it?

A study by the financial and insurance organization LIMRA shows that 6 in 10 Americans have life insurance - yet 30% of them feel they need more.

Does this ring true for you? If so, maybe it's because of one of these reasons. *

  1. It's too expensive. Cost is the number one reason people don't have life insurance. Yet another LIMRA study shows that 80 percent of consumers think life insurance costs much more than it actually does. Life insurance is probably more affordable than you think - and there are lots of ways to bring the price into your comfort zone.
  2. I have a health condition. The good news is that having a health condition doesn't automatically disqualify you from getting life insurance. If you overcame a serious condition in the past or if you are managing a condition with the help of a medical professional, you can still be covered.
  3. I don't have any kids. There are many reasons people with no children still need life insurance. Just a few include providing for a financially dependent spouse or another family member, having the money to pay for a funeral or being able to pay off a loan that has a cosigner. Life insurance can also help you leave a gift to a religious, educational or charitable organization near and dear to your heart.
  4. I don't work outside of the home. If you stay home to care for kids or other family members, it may take hiring someone to replace all that you do. And that could be pricey. so definitely consider buying life insurance as a way to cover those additional expenses.
  5. I'm not sure what I need. Most people aren't - but we are here to help! Erie Family Life offers options like term insurance that's designed to last for a specific period of time and permanent plans designed to last a lifetime. Your agent can recommend one that works with your life and budget.
  6. I don't have the time. Life is busy, which is why Erie offers e-signature on life insurance policies to make the process easy and convenient. Erie LifeSense can also provide up to $90,000 worth of coverage in about 15 minutes. There are no doctors visits or complicated forms - just a simple application with only a few medical questions.

Life Insurance probably isn't something you want to talk about, but it really is too important to put off. When it comes to life insurance, the only wrong choice is doing nothing at all.

 

Today's insurance tips and ideas brought to you by ERIE Insurance.