We all are looking to find ways to save money. We don’t want to save money today by dropping coverages that we will need tomorrow. What is important and what are some ways to save money on auto insurance.
Most people agree that honesty is the best policy, but when it comes to filling out insurance applications, many consumers are willing to fudge the truth to get a better rate. According to a study from finder.com, an estimated 35 million Americans have lied on an insurance application.
Almost one in three (29 percent) of the people who have lied on an insurance application have done so for car insurance. That amounts to 10.2 million Americans who were willing to lie to get the best coverage for the road.
Following car insurance, false information is most likely to appear on applications for health insurance (22 percent), life insurance (21 percent), income protection insurance (8 percent), travel insurance (7 percent), home and contents insurance (7 percent) and pet insurance (5 percent).
More men lie than women, but women are more likely than men to lie on an application in five of seven categories: health insurance, income protection insurance, travel insurance, home and contents insurance and pet insurance. Men lead women when it comes to lying on car insurance and life insurance applications.
“Taking creative liberties on your insurance application may seem like an innocent white lie, but it’s actually considered fraud, and the repercussions can be serious. If found out you may be charged a higher premium, denied a policy or even charged with fraud, requiring you to pay a fine or even do jail time,” said Finder’s consumer advocate Rachel Dix- Kessler.
There are numerous ways to save money on car insurance. Let us help you with saving money on your car insurance. Call us at (317) 886-0081
Researching prices and finding deals can be a time-consuming process for many adults, which makes responsible spending a burden. While some big-ticket items can be rewarding, some bad purchases just won’t justify the price over time, no matter how much you try to rationalize the decision.
When it comes to classic cars, the sporty two-door version of anything is always in higher demand than the four-door family truckster. Nonetheless, collectibles come in all shapes and sizes—even sedans. Here are six beauties for your consideration.
1979–93 Jaguar XJ
The handsome Series III XJ underwent a subtle redesign by Pininfarina in 1979, with the roof lifted an inch in the rear and fender kick added for some sporty flair. Reliability also began to improve even as the British automotive industry reached a production nadir of 880,000 units in 1982. The 4.2-liter six-cylinder proved robust and is favored by collectors today for its simplicity and relative ease of maintenance. The somewhat finicky V12, though, will always win the heart of the Jaguar enthusiast.
1961–67 Lincoln Continental convertible
The fourth generation Continental is arguably the most iconic Lincoln ever made. Its simple, clean design was a welcome departure from the excessive chrome and fins that defined the late 1950s. The famous suicide doors were an ergonomic solution implemented by engineers who had problems exiting the rear seat mockup without hitting their feet on the door. In convertible form, the Continental required 300 pounds of extra bracing underneath to keep the chassis from flexing.
1972 Mercedes 280SEL
The 280 debuted in 1968 with a 2.8-liter inline-six engine and four-wheel disc brakes. In period Mercedes-ese, “S” is for sedan, “E” denotes fuel injection (“einspritzung” in German), and “L” is an long-wheelbase version (“lang” in German). The 280 SEL was second only to the 300 SEL with its 6.3-liter V8.
1955 Chevrolet Bel Air
The all-new 1955 Chevrolet showcased the brand’s modern styling. What put the model on the map, however, was the optional new Turbo Fire V8. The small block displaced 265 cubic inches and could be had with the Power Pack option, a four-barrel carburetor and dual exhaust. Oil filtration was not standard, but could be ordered.
The Bel Air was top of the model range and featured additional chrome, full wheel covers, and plush interior trim.
1985–86 Mercedes 190E 2.3-16 Cosworth
The go-fast exterior of the Mercedes-Cosworth 190E is exciting, with road-hugging lower aero, a discreet rear spoiler, and giant “manhole cover” wheels. What’s more exciting is the Cosworth-tuned 2.3-liter four under the hood, with four valves per cylinder.
The model will forever be linked to Ayrton Senna, with his help in development and subsequent Nurburgring GP celebrity race win.
1965 Chevrolet Corvair
The original 1961-64 Corvair was an innovative and economical small car, with loads of interior room and low maintenance costs. The rear swing axle handling that Ralph Nader took such exception to was eliminated in the 1965 redesign. The new, fully independent suspension and light weight made the car fun to drive, matching the promise of its sporty clean lines, shark-nose prow, and subtle fender arches over the wheels.
You may be thinking February is not the time of year to manage invasive species, especially work involving plants; however, it is a great time of year to review past efforts, and plan invasive species work for the growing season. Many landowners in Indiana are doing just that. In addition to planning for upcoming work, we are excited to announce that Indiana is rolling out the Indiana Invasives Initiative (III) and participating in Weed Wrangle Indiana®.
Here is an over view about them in their own words:
“Everything we do is in support of veterans and their families.
Our Mission is clear: We Empower Individuals and Organizations who have ideas or programs that impact the lives of veterans and their families. Our Message is Simple!: We believe in establishing strong bonds of collaboration with like-minded individuals and organizations who have a passion for helping veterans. What We Believe: We believe in working together as “One-Unit” – We believe in Promoting and Supporting all veterans.
What we do: We help Veterans advance into their next stage in life in three areas:
Entrepreneurship – provide support with training on how to start a business
Business Growth – Provide strategies and business advice
Organizations – Help organizations that serve veterans, expand their reach to the veteran community
On the Service side of the Chamber;
We Empower individuals and organizations who have ideas for programs that impact the lives of veterans and their families, in three areas:
Family & Wellness”
I signed up today, it was free. I look foward to exploring their programs and will report back what I find in the future.
If you are running a business and/or starting a business in Indiana, give me a call and I can discuss with you options on insuring your business. Call me at (317) 886-0081 or visit me on line at Scott Lynch Agency.
Let’s talk about engagement party ideas. Though before we even get started, I can see y’all out there cringing at the idea of more-guest-lists-more-parties-omg. I want to take a moment to hold your hand and say if you are throwing an engagement party, here are your priorities.
PRIORITY NUMBER ONE: Just make it fun. That means not being forced into planning a party fit for the Duchess of Windsor on a Jenny From The Block budget. Not being pressured to do All The Things. Not letting your stress levels overtake your excitement levels.
PRIORITY TWO: Sparkling wine!
PRIORITY THREE: Figure out what the heck you want to do. Because really and truly, often picking a theme for an engagement party makes it way easier to plan. Even if that theme is just “pizza and beer and celebrate the newly engaged couple,” you’ll know what your vibe is and what you’re doing, and the rest of
your decisions can flow from there. But hey. We’re going to do you one (or thirteen) better on engagement party ideas, to make the planning process easy.
Keep in mind: an engagement party can be as big or as small as you’d like. It can be thrown by the couple or for the couple. And, free pass, it doesn’t even need to happen at all. But if you (or the people who love you) want to throw an engagement bash, here are my favorite engagement party ideas right now to inspire the fun.
13 ENGAGEMENT PARTY IDEAS
Vintage Cocktail Party
Picnic and Bike Ride
Hygge It Up
Personalize This Thing
Food as Entertainment
Popcorn Bar and A Movie
Dessert as Decor
Is punch a theme? It should be. Make a fabulous punch or two, definitely with a decorative ice ring (aka people-pleaser extraordinaire). Or try including ultra-extra details, like garnishing with edible flowers that say, “Someone’s getting married and we’re not messing around about it.”
VINTAGE COCKTAIL PARTY
We’re talking old-fashioned cocktails here. Break out some gorgeous old-fashioned coupe glasses. Put together some old-fashioned appetizers, like cheese fondue or caviar-topped canapés or bourbon nuts. Don’t forget the elegant, ostentatious cocktail garnishes. Wear a velvet pencil skirt. Pearls. You get it.
BIKE RIDE AND PICNIC
Pack twee picnic baskets and meet at a bike rental shop, or just arrive at the picnic spot early to set out your red gingham blankets, baguettes, and strategically placed wildflower bundles. This is an easy one to keep the menu simple with bubbly wine, cheese, crackers, and some fresh fruit.
Break out the rose gold sequin dress from New Year’s Eve, and book the top-floor bar in the city center (the one with the really low mood lighting). You can even request guests wear black and white attire. There’s something about engagement parties that leans toward elegant as opposed to the garden party vibe of many bridal showers, and I say: Go for it.
HYGGE IT UP
Especially in the winter, we all want to get nice and cozy at our social gatherings. Capitalize on those warm feelings with an everything-hygge-themed event. Think: a coffee or hot cocoa bar (spiked!); bonfires outside plus the fluffiest blankets, of course; s’mores; a roaring fire; and hot toddies over good conversation.
You don’t want to attempt an engagement bash that rivals the wedding itself, so keep it casual. I love the engagement party idea of a chill beach cookout. Bring a few staples yourself, but ask guests to add in whatever they want to throw on the grill. For more fun, toss some volleyballs around, get your sangria on, and stay late enough to watch the sunset.
PERSONALIZE THIS THING
Did the couple have their first date at a zoo? Do they really love science fiction? Are they constantly traveling to France? Add in some thematic elements that will make people go, “That is so Chris and Malery.” Or, include little details about them in the decor, like photos of them as kids suspended on the strings of helium-filled balloons, or notes about why they’re a great team scattered on tables.
If your couple has more than a couple green thumbs, this could be the perfect engagement party idea. Some versions of this idea include succulent decor, seeds as favors, hanging air plants, or even cookies shaped like ferns. Consider hosting this party in a botanical garden, or even just a particularly lush stretch of public park.
Say it right with these bubbly, ultra-fun balloons. You can find cursive, metallic ones that say “love,” or purchase individual letters to spell out the couple’s name or a longer phrase (maybe try “CONGRATS LOVEBIRDS”). Set them over the dessert/food/booze tables, or line the phrase up as a trail from the front door, so that when the couple enters, they’ll be greeted with helium cheer ASAP.
Champagne towers seem to be disappearing from wedding-related events, and, if you ask me, we need to bring them back, fast. They’re opulent things, though, so save this engagement party idea for your One Big Thing at the party, and bust it out just in time for the toast for fun. It’s a memorable way to congratulate the couple.
FOOD AS ENTERTAINMENT
DIY food stations are fun, but who doesn’t like to be a little spoiled? For this engagement party idea, bring in a pro, like a sushi chef, a stellar taco truck, or even a custom cotton candy maker for an indulgent treat that doubles as something fun to do at the party. (In Honolulu, you can hire an amezaiku, or Japanese candy art expert, and they’ll whip up lollipops on the spot, shaped as animals, people, and more!)
POPCORN BAR AND A MOVIE
But okay, DIY stations are also super fun. Popcorn is so easy, and so casual, and has a million ways it can be customized. (Sweet! Salty! Nutty! Spicy!) Then, use a projector play a flick on a sheet in the backyard, a la an old-school drive-in. Make sure you pick a movie that’s short and sweet, or keep the volume turned low enough to facilitate mingling and mixing throughout the party.
If you’ve never been tubing before, this is when you and all your friends each get an inner tube, tie them to each other, and either float lazily down a river or hang out in the ocean. It’s the best thing ever. It’s the engagement party idea to win all engagement party ideas. And it should be the theme of all your next parties.
DESSERTS AS DECOR
Again, there’s no need to go All Out In Every Way. Instead, go for one or two sweet touches. For example, opt for shaped, custom cookies, in an image that resonates with the couple (maybe they love hedgehogs, are serious dog people, come from California, or love bikes) or the generic-but-always-cute chunky, stylized engagement ring. Or how cute are these donut engagement rings? Yum!
Natalie Schack is an Oahu-based brunch enthusiast, full-time glutton, and freelance writer on the side, who’s constantly pumping out pages on topics ranging from all the pretty things, to some of the not-so-pretty ones. If she’s not in bed daydreaming about birthday party themes or biking through Honolulu with her untamable, impossibly lovable, rascal of a husband, you’ll find her locked in a heated debate about this or that science fiction film, hiking *all* the mountains, or drooling over a new, sexy slice of design that found its way over to her cozy corner of the Internet.”
Make sure you tell your Insurance Agent about your new Engagement Ring. If you’d like more information about insuring your jewelry, call Scott Lynch at (317) 886-0081 or visit him on line at: Scott Lynch Agency