D.F. Dwyer Banner
In This Issue
Prepare Your Fireplace for Winter
Top 10 Reasons to Buy Local
Holiday Travel Tips
Farm Insurance
Farmers' Almanac Forecast & Skywatch
The Votes Are In! 
Newport Life Best of
EXTRA EXTRA!
Info for You 
to stay 'in the know' with timely updates on topical insurance info, helpful tips and discounts -- join the conversation! 
Find Us on Facebook

It Can Wait
It Can Wait

Text #X to your friends before getting behind the wheel to let them know that you will be driving and not able to respond to them until you arrive at your destination. Read more on distracted driving 

November Events & Holiday Observances 
11/7-11/6
Happy Thanksgiving!
Macy's Thanksgiving Day Parade

11/28
Holiday Boat Parade
Holiday Boat Parade

11/29
Small Business Saturday
Small Business Saturday
D.F. DWYER LINKS: 
CONTACT US: 
D.F. Dwyer Insurance
38 Bellevue Avenue
Newport, RI 02840
and
2623 East Main Road
Portsmouth, RI 02871
phone: 401.846.9629
fax: 401.849.4980
Email Us
 
Get the News!
Join Our Mailing List 
or



Issue: # 56                  
November 2014    
Prepare Your Fireplace for Winter
Chimney Sweep

Did you know that fireplaces and chimneys cause 42% of all home-heating fires? With the November chill in the air and the holidays approaching, your family and friends will soon be gathered round your hearth. Now is the time to prepare your fireplace for the cold months ahead. Before you put spark to the kindling this season take a look at these

7 Fireplace Preparation and Safety Steps:

  1. Hire a Chimney Sweep
    The National Fire Protection Association recommends that chimneys be swept at least once a year at the beginning of the winter to remove soot and debris. You may find a certified sweep in your area via the
    Chimney Safety Institute of America website's search tool.
  2. Check for Damage
    In addition to cleaning, a chimney sweep should inspect the chimney structure for cracks, loose bricks, or missing mortar. Check chimney liners for cracking or deterioration.
  3. Cap the Chimney
    A cap fitted with wire-mesh sides covers the top of chimney and keeps rain, birds, squirrels, and debris from entering. Replace or repair a cap that is missing or damaged.
  4. Fireplace Preparation Burn Seasoned Hardwoods
    Choose dense wood, such as oak, that has been split and stored in a high and dry place for a least six months. Green wood and resinous softwoods like pine produce more creosote, a flammable by-product of combustion that can build up in the chimney.
  5. Don't Overload
    Small fires generate less smoke, thus less creosote build-up. Also, a fire that is too large or too hot can crack the chimney!
  6. Build it Right
    Place logs at the rear of the fireplace on a metal grate. Use kindling, rather than flammable liquids, to start the fire.
  7. Use A Spark Guard
    Prevent errant embers from shooting out of the firebox with a mesh metal screen or glass fireplace doors. A guard in front of an open flame is especially important when the room is unoccupied.

Article Content Courtesy: http://www.ThisOldHouse.com 

 Download a copy of this article here 

Top Ten Reasons to Buy Local

Think Local First

With the holiday shopping season fast approaching, we'd like to remind you of the importance of shopping locally so we've re-posted The Top Ten Reasons to Buy Locally on our website. Please remember, your purchases make a significant and direct impact on our local economy! We hope that you will consider making many of your personal and gift purchases on island this season and all year round. 

Holiday Travel Tips  

The Thanksgiving Holiday is known to be the busiest travel time of the year with notorious transportation delays, traffic and travel snags. But, with a bit of foresight and some planning, you may ease some travel headaches whether you're heading home for the holidays or escaping for a drama-free adventure.

Holiday Travel 

You'll be thankful for these holiday travel tips...

  • Plan Ahead
    Early reservations result in lower prices and the greatest selection. Sign-up for sale notifications and follow your transportation providers on social media for alerts that may not be offered to the general public.
  • Travel Light
    Most airlines now charge fees for checked bags, so it makes sense to pack light and carry on, this results in tight space overhead on-board. To lighten your load, consider shipping some of your belongings to your destination ahead of time, especially gifts and bulky items.
  • Choose the Best Days
    Wednesday before Thanksgiving and the following Sunday are the two busiest days. Avoid them by traveling on Monday, Tuesday or Thursday and return on Friday or Saturday.
  • High-Tech Troubleshooting
    Most transportation providers have mobile websites and apps that enable passengers to easily check-in, confirm seats and track flight status. Using these online options can help you to avoid long lines at airports, train stations and terminals.
  • Holiday Road
    Navigating the highways at this time of year presents it's own set of holiday headaches, especially the I-95 corridor. Again, avoid traveling on the pre and post Thanksgiving Wednesday and Sunday. Plan your rout, fill-up your gas tank before you leave, bring along your EZ-Pass and pack some snacks!

AND don't forget to pack a Travel Insurance policy. It provides the peace of mind you need to confidently plan and fully enjoy your trip! Visit our interactive Travel Insurance Guide at Seven Corners for complete information, options and quotes.

 
Article Content Courtesy: The Travel Channel 
Farm & Agribusiness Insurance

D.F. Dwyer Agency, a Nationwide Agribusiness Insurance partner would like to be a valued resource for your local farm-based business. Give us a call at 401-846-9629 for a complimentary policy review, then subscribe to our new Farm E-Newsletter with specific features and information to help you protect your locally grown business.

Farmer's Almanac Forecast: November 2014

Temperature 44° (3° below avg.); precipitation 3.5" (avg.); Nov 1-2: Rainy; mild north, cool south; Nov 3-7: Rainy north, showers south; mild; Nov 8-11: Sunny, cold nights; Nov 12-15: Rain, then sunny, cold; Nov 16-22: Scattered showers, cool; Nov 23-30: Showers and flurries, then sunny, cold.

Skywatch: November 2014

Full Moon and New Moon On November 6th, the Full Moon will be directly opposite the Earth from the Sun and will be fully illuminated as seen from Earth. This phase occurs at 22:23 UTC. Early Native American tribes knew this full moon as the Full Beaver Moon because this was the time of year to set the beaver traps before the swamps and rivers froze. It has also been known as the Frosty Moon and the Hunter's Moon. The November 22 New Moon will be directly between the Earth and the Sun and will not be visible from Earth. This phase occurs at 12:32 UTC. This is the best time of the month to observe faint objects such as galaxies and star clusters because there is no moonlight to interfere.