Take a break from your day and enjoy a virtual train ride on the Great Smoky Mountain Railroad Gorge Steam Train Ride offering beautiful Fall Foliage.
Temperatures are already starting to fall in the northern US and Canada and winter will be coming in the next couple of months. If you are traveling over the country into colder states you will more than likely run into states that will have snow. If you have never experienced driving in snow you need to inform yourself of what you will need to do for vehicle to stay safe and warm.
First and foremost read up and talk to other people that have experience with driving in snow, about black ice, skidding, snow banks and basically what to look out for.
Second to have a qualified mechanic look over your car for anything that may need to be replace, oil change etc.
Third are the checks you would do if you were living in a state that has snowy conditions.
This is an essential part of winter protection for your engine. Have a mechanic check to see if your radiator needs flushing and then add a mix of 50% water and 50% antifreeze.
Tires should be checked before going on any road trip. The tread, pressure etc. In states without snow the same tires are used year round, so as your heading toward the colder states these tires will not preform as well. A swap along the way for snow tires would be a good safety measure.
Make sure your windshield wipers are in excellent condition or replace them for new ones. There will be more then just rain falling from the sky and chances are mud, muck and salt from the roads will reak havoc on your windshield. You want to be sure wipers are in top shape to handle the job so you can see through a clean windshield. Also be sure that your washer fluid is full and working correctly.
Always stay tuned to the weather and keep track of hotels along the way of your trip in case you may need to pull in early because of a snow storm.
Other Tips to Consider for Safety
To avoid ice in the fuel lines or gas tank, keep it as near to full as possible.
Give someone your itinerary for your route and how long you will be on the road.
Always carry an safety kit, extra blankets, clothes etc.
If traveling with a cell phone, you may want to check with your service for black out area’s and be sure to have a car charger for the phone that you can plug into a wall or your vehicle.
Photo Courtesy of pasja1000 at Pixabay.com
We look forward to the up coming holidays, and while they may be different this year, with so many changes brought on by Covid-19, we will be in the kitchen preparing our favorite dishes none the less.
There is just something about the aroma of Beef Stew, Chicken and Dumplings, Chili and Pumpkin butter with other wonderful recipes we tend to forgo during the hot summers that are now already on our minds.
Check out our boards on Pinterest for Fall Recipes!
Wishing everyone a very happy Fall.
Insurance rates go up and down and depending on what type of vehicle you drive, how many miles you put on it every year, and more. If you do not inform your insurance company of changes you could be missing out on discounts.
Here are some things to consider:
No tickets or accidents in the past 6 months to a year or being a safe driver.
Changes in life style, a new job with shorter distance to work or don’t drive as much in general.
Your age could be a factor also. If you are younger than 25, your rate may be higher, the more experienced a driver you become after 25, the less you may have to pay (if you have a clean driving record).
Have your moved lately? Where you live can affect the cost of your car insurance rates, some places can make them go up and some go down, don’t just give your insurance company your new address, find out if you can get a discount for your new area.
Other discounts you may want to ask about are good student discount, military discount or a senior citizen discount, (ask about our AARP discount for seniors).
We offer a big discount depending on what prior carrier you have been with for 1-2 years and a bigger discount for 3 years and an even larger discount if you have been with a prior carrier for 5 or more. Find out how much you can save by calling us for a quote!
You are probably not aware of all of the discounts that are available on your auto insurance policy. Call us today to get your questions answered. 863-453-3903
or visit our website budgetbirite.com and fill out our short form. We will have an agent contact you within 24 hours.
Serving All of Florida
These are fabulous! Tried and tested, this recipe is everything Monique from Diva’s Can Cook said it would be… A cross between a cinnamon roll and a cinnamon bun, this recipe puts out just the right melt in your mouth cinnamon bun/roll soft texture and full of flavor.
Flour: When mixing the dough pay attention to number 7 on the recipe instructions. You may not need all the flour or you may need a bit more. Add in small amounts until you get that consistency, it makes a difference.
Has the dough risen enough, too much? To test to see if your dough had risen, simply poke two fingers into the resting dough after about an hour. Do this just enough to make small holes on the surface. If the holes do not fill in, then your dough has rested enough. Do the same for the second rest. Just poke a small hole with your finger into one of the cut rolls in the pan and if the hole remains they are ready to go into the oven.
White sugar instead of brown… Monique calls for brown sugar in the filling, we had no brown sugar or molasses to make brown sugar so we used white sugar and cinnamon. Still came out delicious.
No Buttermilk on hand? – Very important ingredient that can be substituted, but not with regular milk.
Find out how to make a buttermilk substitute here if you do not have any on hand. We used sour cream and thinned it down a bit with milk. Since she calls for 1/3 cup, simply added sour cream to the measure cup and thinned down with about a TBS of milk.
So here we go! Time to make Monique’s fluffy cinnamon rolls!
Thanks so much Monique!
Florida condo owners have insurance that is very different from homeowners and renters insurance. Even though your homeowner association carries insurance for the building, bridges, pools and the area the owners use like the lobby, you would think that you are protected too. Look closely at the sentence though, their policy covers the building, not your condo or your belongings.
Think about your condo unit as a separate entity. You didn’t purchase the building. You purchased your condo unit, so you must protect it and what is inside. You also must protect people that visit your condo unit in case they are injured. That is the reason you must purchase Condominium insurance. Your insurance will also cover damage to the building or common area that you or a visitor cause by accident or by negligence.
Condo insurance is similar to homeowners insurance in that it covers your property, liability for injuries and additional living expenses in case you cannot live in your condo due to a fire, storm damage, etc. Your hotel and meal charges are covered. Take inventory of your belongings and property using photos or video. Save receipts for new items, photograph serial numbers on your electronics and other items. Save the photos or video online and/or give a copy to someone who doesn’t live in your condo building.
When you need assistance choosing what policy is best for your condo insurance, Budget Bi Rite is there for you.
Call us today to get your questions answered. 863-453-3903
244 years ago America declared independence from Great Britain on July 4, 1776. Picnics, Party’s and heading to the beach will be on the agenda for some and for others because of the Covid-19, the celebration of Independence Day will be different this year.
Even if your staying at home why not bring out the yummy 4th of July Barbecue, Side Dishes, Salads, Desserts and decorations adorned in red white and blue to celebrate.
Check out our 4th of July Pinterest Board. We have delicious recipes for Bar B Que, Desserts, Side Dishes, Decoration’s and more fun.
Have a great 4th of July and remember to drink responsibly. Don’t drink and drive or let someone you know!
Happy 4th of July!
When travel through your neighborhood, it is easy to see which homes are being maintained and which are not. Their lawn is overgrown, perhaps there are missing shingles from the roof, dirty or broken windows and a lack of care that maybe a fresh coat of paint could do wonders.
Seasonal maintenance of your home helps to retain its value and prevent problems in the future. Some repairs can help keep your Homeowners Insurance policy from increasing since they include reducing safety issues such as fires or broken plumbing.
It’s helpful to keep a checklist of what you must do to maintain your home:
Check the batteries in your smoke detectors. When we change the clocks for daylight savings time we also change out the battery in our smoke detector.
Consider having a Pre Maintenance check for your air conditioning system at least once a year by a professional. A good running air conditioning system saves your money on your energy bill.
Check your doors and windows for to see if they close properly or if they need to be re-sealed. (This also can help lower your energy bill if there are leaks.)
Ask a professional how often your septic system needs to be cleaned out if you have one. Don’t wait for the overfill!
Put a roof check on your list. Do the gutters need cleaning, are vents and roof tiles loos?. If you see any damage address it immediately. If you are not sure what to look for or question anything, contact a professional roofer to help you out.
Inspect your walkways and driveway. Repair any cracks or holes. Any injury caused by this is your liability.
Remove and clear any tree branches that hang over your home or your neighbor’s home. Florida is hurricane country and keeping these trimmed up could avoid a disaster should a storm come your way. In the event of a hurricane, remove anything that can be caught up by the wind and store it indoors.
At least once a year have a Termites inspection. You don’t want to give the termites time to build their nest, yearly inspections give you the ability to catch any infestation quickly.
According to Orkin Pest Control “Termite control is done once and it will last from 6-13 years; however, a yearly inspection of the house is usually done”.
Check the expiration date on fire extinguishers and replace them as needed. Put the expiration dates on your calendar as a reminder.
Inspect your attic for openings and if you need to restore or replace installation.
Maintaining of your home can help keep your insurance costs down and also save you money in the long run.
Call us with any questions! 863-453-3903 or visit our website
Some states including Florida require no-fault auto insurance. Knowing about your state’s auto insurance laws will help you if you ever need to place a claim with your insurance company and what you are purchasing with your coverage.
No-fault insurance laws were designed to limit drivers ability to sue each other in case of an accident for personal injury up to the limits of your PIP policy. Each driver is required to purchase PIP (Personal Injury Protection) which is included in your policy package. Your insurance company will cover your injuries no matter who was at fault for the accident, hence PIP (Personal Injury Protection). For the damage to your vehicle, the same rules apply for liability going to the person found at fault for the accident.
PIP insures, that at least a portion of medical bills, lost wages, lost services and even funeral expenses are covered in the event of an accident. Your children, members of your household, passengers riding in your car are covered. In some cases it may also cover those you loan your car to who are not covered by their own policy. PIP will also cover you and your family on school buses, while a passenger in another car, and if you are a pedestrian and injured by a vehicle. Your coverage amount will be determined up to the limits of your policy.
The law in the state of Florida for no-fault requires you carry a minimum of $10,000 of PIP and $10,000 of property damage liability. You must be insured to drive a registered and licensed vehicle in the state of Florida for the duration of the registration of the vehicle.
If you are a seasonal or part-time resident of Florida, for at least 90 days out of the year, you are required to carry both the PIP and Property Damage Liability Florida insurance on it and the 90 days to be consecutive to require this insurance on the vehicle.
Call us today to get your questions answered. 863-453-3903
There are various types of Mobile Home Insurance Policies to provide coverage for fires, storms and more.
Structure Protection – Covers the cost to replace or repair your mobile home when they’ve been damaged or destroyed by fire, wind, and other elements such as storms. Check with your agent if Hurricane coverage is included or if you have to pay extra. Flood coverage is not included.
Personal Property Protection – Covers the cost to replace your personal property – clothing, furniture, tools, electronics, etc. when they are damaged or stolen. The same applies here for hurricanes and floods.
Additional Living Expenses – Covers additional living expenses when your mobile home is being repaired or is too damaged to reside in. This includes hotel bills, food, etc.
Liability Protection – Covers injuries to visitors, including medical bills and legal fees.
Don’t wait until the last minute to purchase Mobile Home Insurance. You will not be able to purchase any type of homeowners insurance, including Manufactured or Mobile Home Insurance when a tropical storm or hurricane is announced to hit Florida. Please check with Budget Bi Rite to learn more about these strict rules. It’s always better to be safe than sorry. There’s nothing like having to start from scratch when you’ve been through a tragic event like a hurricane and your home has been destroyed.
Contact us today if you have questions about your mobile home insurance or would like a quote.
Serving All of Florida, Minnesota, Georgia, Texas, Maryland, South Carolina, North Carolina, Indiana and Pennsylvania.
Photo Courtesy of Pixabay.com