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CONTACT US:
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D.F. Dwyer Insurance 38 Bellevue Avenue Newport, RI 02840 and 2623 East Main Road Portsmouth, RI 02871 phone: 401.846.9629
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SKYWATCH: JANUARY
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1/5
Jupiter at Opposition
The giant planet will be at its closest approach to Earth and its face will be fully illuminated by the Sun. This is the best time to view and photograph Jupiter and its moons. A medium-sized telescope should be able to show you some of the details in Jupiter's cloud bands. A good pair of binoculars should allow you to see Jupiter's four largest moons, appearing as bright dots on either side of the planet.
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Winter Driving Safety Tips
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The best advice for driving in bad winter weather is not to drive at all, if you can avoid it. Don't go out until the snow plows and sanding trucks have had a chance to do their work, and allow yourself extra time to reach your destination. If you must drive in snowy conditions, make sure your car is prepared and that you know how to handle road conditions. Consult your owner's manual for tips specific to your vehicle.
Driving safely on icy roads
- Decrease your speed and leave yourself plenty of room to stop. You should allow at least three times more space than usual between you and the car in front of you.
- Brake gently to avoid skidding. If your wheels start to lock up, ease off the brake.
- Turn on your lights to increase your visibility to other motorists.
- Keep your lights and windshield clean.
- Use low gears to keep traction, especially on hills.
- Don't use cruise control or overdrive on icy roads.
- Be especially careful on bridges, overpasses and infrequently traveled roads, which will freeze first. Even at temperatures above freezing, if the conditions are wet, you might encounter ice in shady areas or on exposed roadways like bridges.
- Don't pass snow plows and sanding trucks. The drivers have limited visibility, and you're likely to find the road in front of them worse than the road behind.
- Don't assume your vehicle can handle all conditions. Even four-wheel and front-wheel drive vehicles can encounter trouble on winter roads.
If your rear wheels skid...
- Take your foot off the accelerator.
- Steer in the direction you want the front wheels to go. If your rear wheels are sliding left, steer left. If they're sliding right, steer right.
- If your rear wheels start sliding the other way as you recover, ease the steering wheel toward that side. You might have to steer left and right a few times to get your vehicle under control.
- If you have standard brakes, pump them gently.
- If you have anti-lock brakes (ABS), do not pump the brakes. Apply steady pressure to the brakes. You will feel the brakes pulse - this is normal.
If your front wheels skid...
- Take your foot off the gas and shift to neutral, but don't try to steer immediately.
- As the wheels skid sideways, they will slow the vehicle and traction will return. As it does, steer in the direction you want to go. Then put the transmission in "drive" or release the clutch, and accelerate gently.
If you get stuck...
- Do not spin your wheels. This will only dig you in deeper.
- Turn your wheels from side to side to push snow out of the way.
- Use a light touch on the gas, to ease your car out.
- Use a shovel to clear snow away from the wheels and the underside of the car.
- Pour sand, kitty litter, gravel or salt in the path of the wheels, to help get traction.
Try rocking the vehicle. Shift from forward to reverse, and back again. Each time you're in gear, give a light touch on the gas until the vehicle gets going.
Article Content Courtesy: The Weather Channel
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Have Questions About Your Auto Coverage?
Call us at 401-846-9629 for a policy review; we're here to help!
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Travel Insurance
| If you're traveling this season it would be wise to consider how your insurance coverage might be affected. A travel insurance policy provides excellent coverage for you and your trip, saving you money and hassle. Get a quote on several affordable travel insurance plans through D.F. Dwyer Insurance. |
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Driving in the winter in our area means snow, sleet and ice that can lead to slower traffic, hazardous road conditions, hot tempers and unforeseen dangers. To help you make it safely through winter, here are some suggestions to make sure that you are prepared.
Your Car: Start with a checkup that includes...
- Checking the ignition, brakes, wiring, hoses and fan belts.
- Changing and adjusting the spark plugs.
- Checking air, fuel and emission filters, and the PCV valve.
- Inspecting the distributor.
- Checking the battery.
- Checking the tires for air, sidewall wear and tread depth.
- Checking antifreeze levels and the freeze line.
Necessary Equipment: An emergency situation on the road can arise at any time and you must be prepared. In addition to making sure you have the tune-up, a full tank of gas, and fresh anti-freeze, you should carry the following items:
- Properly inflated spare tire, wheel wrench, tripod-type jack
- Shovel
- Jumper cables
- Tow and tire chains
- Bag of salt or cat litter
- Tool kit
Essential Supplies: Be prepared with a "survival kit" that should always remain in the car. Replenish after use. Supplies include:
- Working flashlight and extra batteries
- Reflective triangles and brightly-colored cloth
- Compass
- First aid kit
- Exterior windshield cleaner
- Ice scraper and snow brush
- Wooden stick matches in a waterproof container
- Scissors and string/cord
- Non-perishable, high-energy foods like unsalted canned nuts, dried fruits, and hard candy.
In addition, if you are driving long distances under cold, snowy, and icy conditions, you should also carry supplies to keep you warm such as heavy woolen mittens, socks, a cap and blankets.
If You Become Stranded: Do not leave your car unless you know exactly where you are, how far it is to possible help, and are certain you will improve your situation.
- To attract attention, light two flares and place one at each end of the car a safe distance away. Hang a brightly colored cloth from your antenna.
- If you are sure the car's exhaust pipe is not blocked, run the engine and heater for about 10 minutes every hour or so depending upon the amount of gas in the tank.
- To protect yourself from frostbite and hypothermia use the woolen items and blankets to keep warm.
- Keep at least one window open slightly. Heavy snow and ice can seal a car shut.
- Eat a hard candy to keep your mouth moist.
Content Courtesy: The Weather Channel
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Farm Insurance
| Did you know that D.F. Dwyer Insurance Agency is a proud provider of Nationwide Agribusiness Insurance? Visit our website or call us at 401-846-9629 to learn how we can be a valued resource for your farm-based business.
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Farmer's Almanac Forecast: January 2014
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Average temperature 37° (2° above avg.); precipitation 2" (1.5" below avg.); Jan 1-2: Showers and flurries; Jan 3-9: Sunny, cold; Jan 10-15: Sunny north, rain south; mild; Jan 16-18: Rainy, mild; Jan 19-21: Sunny, cold; Jan 22-27: Rainy periods, mild; Jan 28-31: Sunny, cold.
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For Our Valued Commercial Clients... Your Business is Our Business
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We value all of our clients, but we're always happy to promote the businesses of our commercial clients.We've added a new
'Featured Client' section to our website and e-newsletter, where each month, we'll showcase one of our business clients. If you're one of our commercial clients, email us a photo, a brief description of your business (150 words max.) and the link to your website and we'll contact you shortly about your submission.
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