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MTM Insurance Associates, LLC |
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November 2012 Newsletter | www.mtminsure.com |
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Greetings,The seasons are changing and the warm weather is officially behind us! Since our next newsletter won't be published until January, we would like to take this opportunity to wish all of you a healthy and happy holiday season and a wonderful New Year. As always, we thank our loyal clients for their patronage and will remain committed to servicing your insurance needs to the best of our ability. We'd love your feedback. Please email your comments to:
cindyt@mtminsure.com
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HOW TO PREVENT PUFF BACKS
A PUFF BACK OCCURS WHEN AN OIL BURNER BACKFIRES SENDING SOOT THROUGHOUT YOUR HOME OR BUSINESS. IT CAN HAPPEN ALL AT ONCE OR SLOWLY OVER TIME
 How do I know if I've had a puff back?
It's usually quite easy to tell when a puff back has happened. Soot covers all areas of the home or business and may range in severity from light to heavy. Sometimes the disbursement of the soot is so light and fine it appears to be ordinary dust. This "dust" however, reappears hours after being cleaned. There is often a strong smell of oil accompanying a puff back.
How can I prevent a puff back from occurring?
The best defense against a puff back is to have your oil burner inspected annually and kept in good repair. This is not guaranteed to prevent a puff back, but it greatly reduces your risk.
What to do and what to avoid if it happens to you. . .
-Notify your insurance agent or company immediately.
-Do Not attempt to clean yourself. Using the incorrect cleaning products can cause the soot to permeate walls, woodwork, carpets, upholstery, etc.
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BUYING A NEW CAR
Things to keep in mind when buying a car
Buying a new car is an exciting time--but it can also be stressful. After all, you're trying to get the best deal on price, while also deciding on the make, model and features you need.
Here at MTM, we can't really help you become a master negotiator when it comes to buying a car. But we can give you some things to consider when you're looking around the lot--and when you're trying to answer the age-old question of "new or used?" Read on with an open mind, and you might just come to a different decision the next time you're on the car lot.
New Cars
Ah, that new-car smell. It's a bit of a cliche, but it's one of the things that people love about climbing into a brand new car. And while they make air fresheners that supposedly give you that same smell for your used car, it just doesn't seem the same, does it? Still, there are other benefits to buying new--and, of course, there are drawbacks as well.
-PRO -- maintenance: Some manufacturers offer free scheduled maintenance for a set period of time after you buy the car, and you likely won't need a new battery, tires, etc. for several years after your purchase.
-PRO -- peace of mind: Your new car may have a warranty for up to 10 years, and also is covered by "lemon laws" that could allow for a replacement or refund if the car has serious defects.
-CON -- cost: Depending on the make and model, buying a new car is almost always more expensive (at least in terms of the purchase price) than a used car.
It's also worth noting that if you purchase a new car in its first model year (meaning it's a new model for the automaker), there won't be as many user reviews available, and data on reliability and repairs will be limited. In addition, sometimes newly introduced cars have some kinks that generally are ironed out by the second and third model years. These aren't serious issues, and the warranty should cover them, but in some instances, you and your car could be headed to the shop more than you'd like.
Used cars
Don't care about the new-car smell? Looking to save some money on your purchase? Well, a used car might be right for you. There are many advantages to buying used, but you'll want to be a little more careful. After all, it's hard to know exactly how well the previous owner treated the car. But you can limit your risk with a little bit of work.
-PRO -- cost: New cars depreciate quickly after they're purchased. By buying used, you're letting someone else take that financial hit over the first few years of the life of the car.
-PRO/CON -- reliability: Buying a used car is less of a gamble than it used to be, particularly with the advent of "certified pre-owned" programs many automakers now offer. However, used cars generally don't carry the same warranties as new cars, even though the original manufacturer's warranty is usually transferable to a second owner.
-CON -- maintenance: While a used car theoretically shouldn't need more frequent maintenance than a new car, you'll likely need to replace things like tires, headlights, etc., earlier. And scheduled maintenance probably isn't covered by the automaker.
-PRO/CON -- history: You'll need to check the car's title history to make sure it hasn't been in a serious car accident or salvaged. Ask the dealership to provide this information, usually from Carfax.
Of course, whichever car you purchase, the important thing is that it's a good fit for you. Bear in mind that certain makes and models can result in higher insurance costs for you, so feel free to check in with us before you buy.
Have fun shopping -- and we'll see you on the road!
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HOLIDAY TRAVEL TIP
OVER THE RIVER AND THROUGH THE WOODS. . .
Millions of Americans will do some traveling this holiday season - the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you're simply driving around locally or headed out of town.
At MTM, we'd like to help you not only enjoy your holiday season, but help ensure you'll be around for future holidays, too! So please take these winter-travel safety tips to heart.
Prepare your car for winter
Before leaving on your trip, give your car a thorough check-up. Do wipers need to be replaced? Are your fluid levels where they should be? Your tires need to be in good shape for driving on wet or snowy roads, and be sure your radiator and cooling systems are up to snuff. And - we know you've heard this before, but bear with us -- your car should have an emergency kit. Pack it with jumper cables, blankets, a first-aid kit, flares, food and water, and a flashlight and other safety gear. A shovel and cat litter or sand (to provide traction should you get stuck in snow or ice) are good ideas as well.
Before you leave
Know exactly where you're going, with printed maps, and check weather conditions along your planned route. Let someone know your itinerary, so if you don't arrive on time, officials know where to look for you. If your car has snow or ice on it, make sure it is completely cleared off before you depart. Don't forget to clear your headlights and other lights, along with the roof - ice and snow blowing from your car could create a hazard for other drivers.
When you're on the road
Are roads snowy or icy? Take it slow. Take it slow. Take it slow. Sorry for repeating ourselves, but it's absolutely vital to, yes, take it slow. Give yourself extra time to get to your destination, and make sure you leave extra room between your vehicle and others on the road. Watch for ice patches on bridges, overpasses and shady spots. Remember, having four-wheel or all-wheel drive does not mean your car will stop or steer better on ice.
If you're caught in a storm that seems like it's too much for you to handle, seek refuge as soon as you can. Of course, sometimes it's best not to drive in snow and ice at all - stay home if you can.
If your vehicle becomes disabled
Nobody wants to think about being stranded on the side of the road in a storm, but it happens to thousands of people every year. If your vehicle is disabled, be sure to stay with it. Run your engine and heater for short intervals, and open one of your windows slightly to prevent carbon monoxide build-up. Light two flares (remember that the vehicle emergency kit? Now's the time to use it) and place one a safe distance from both the front and rear of your vehicle. Note your location with mileposts, exit numbers or cross-streets and call the authorities or a tow truck.
We hope you enjoy your holidays with friends and family, and we look forward to serving you in the New Year!
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Sincerely,
Paul MacDonald, Cindy Traverso, Laurie Mancinelli
(978) 681-5700 North Andover, MA
(978) 667-9031 Billerica, MA
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