A photograph isn't enough to just take it technically sound. The photograph needs to connect the viewer to something. Whether that's a feeling, a person or an event. That photo needs to connect that person to something they know. They need to feel something, not just see something symmetrical or technically sound. Technical photos are extremely important, if you don't have the technical side of things your photos won't come out right and won't tell the story you're looking to tell. However that is equally important if not more important than the technical side of things.
When it comes to traction on slick pavement, gravel roads, snow or off-road, four-wheel drive may be more likely to help keep you moving forward when a two-wheel drive vehicle could slip off the shoulder or be buried up to the axle attempting to get a grip. This begs the question: When do you use the various modes of four-wheel drive?
Here’s the down and dirty, which will help keep you from having to dig a stuck truck out of a ditch.
In high-range four-wheel drive, you can travel at all normal speeds. Engage this setting when you’re on the highway and roads are sketchy – wet, snowy, icy. It’s also good for level, loose-gravel roads, packed sand or mud. Simply put, 4H is used for driving at normal speeds when you need extra traction, according to Popular Mechanics.
Four-Low (4L)The low-range four-wheel-drive setting is for the serious stuff – deep sand, snow, mud, crossing water, climbing rocks and ascending/descending hills. When you use four-low, keep your speeds low, too (under 40 mph or so), as you’re not actually gripping the road any better but you’re applying more torque to that grip. Designed for maximum traction and maximum power, the wheels will turn more slowly in 4L than 4H, says
Automatic Four-Wheel Drive (AWD)This is a modern convenience that allows you to effectively “set it and forget it.” In this setting, the vehicle monitors tire traction while in two-wheel drive and automatically shifts into four-wheel drive when one of them begins to slip. Use this setting when roads are variable, such as patchy snow and ice or any other combination of conditions when a tire could slip suddenly. There are two types of AWD: part-time or automatic AWD, as mentioned above; and full-time AWD, which delivers power to all four wheels but lacks the low-range torque found in 4L, according to Edmunds.
Keep in MindYou should never travel in four-wheel drive on flat, smooth, dry roads, as it will damage your drivetrain. Also, remember that four-wheel drive provides more torque and engages all the tires for movement – it doesn’t help you stop. Always travel at speeds that allow you to stop safely, regardless of how well you’re moving forward.
When shifting from two-wheel drive to automatic four-wheel drive or four-high, you can do so “on the fly” – or while traveling at normal speeds. When shifting into and out of four-wheel-drive low, however, you will likely need to come to a stop and wait for the indicator light to stop flashing.
This list is our top 10 best vacation spots to visit and why
During an emergency, your filing cabinet may not be the first place you’d run to. But, it often contains essential documents — including passports, marriage certificates, wills and insurance policies — that you don’t want to lose if a disaster strikes.
Following these tips, however, can help ensure your essential documents are safe before an emergency even occurs.
1. Know Which Documents to ProtectStart by locating all the records you want to protect — it’s a potentially long list. The Federal Emergency Management Agency (FEMA) recommends organizing the following documents so you’ll be ready in the event you need to evacuate your home:
2. Make a Digital Backup of Your DocumentsNext, you’ll want to scan each document to make digital copies. If you don’t already own a scanner, you may need to rent or borrow one. Some office supply or shipping companies that offer computer access also offer scanning services. There are also document scanning apps available for smartphones.
You can store these digital copies on a USB flash drive or in the cloud. If you choose to store your backups on a USB flash drive, FEMA suggests storing the drive in a safe deposit box or other safe offsite location.
If you choose to store your document backups in the cloud, you can use popular services such as iCloud, OneDrive, Amazon Drive or Google Drive. These services let you store documents on a remote server network — what’s known as “the cloud” — rather than the hard drive of your computer.
Of course, cloud services have their own vulnerabilities. If you choose this route, make sure to read the provider’s terms and services carefully (can the service provider disclose any of your information, for instance?), know whether the provider stores the items you have uploaded to the cloud even after you delete them and take other precautions to make sure you’re moving your documents safely to the cloud.
FEMA also recommends ensuring that your digital copies are password protected so that they can’t be easily accessed in case of loss or theft.
3. Find a Safe Place to Store Your Original DocumentsStore original documents in a secure place, such as with family or an offsite safe deposit box or in a flood/fire-resistant home safe, recommends FEMA. Before deciding where to store your documents, it may help to weigh the pros and cons of these options
For example, Better Homes and Gardens says that while a safe deposit box located in a bank is very secure — the boxes are typically stored in a locked, concrete vault and no one can be left unattended inside the vault — the disadvantage is that you can only access it when the bank is open.
A fire-resistant home safe with a rating from Underwriters Laboratories — a global not-for-profit organization that conducts safety and quality tests on a range of products — may protect your documents for up to four hours during a fire, according to Better Homes and Gardens. However, keep in mind that if the safe remains in an active fire or flood conditions for an extended period of time, your documents may still end up sustaining damage.
Don’t wait until a disaster strikes to think about protecting your important documents. These precautions may help ensure that the papers and documents that are most important to you remain safe even in emergency situations.
Whether it’s keeping you dry on a rainy day or warm and cozy on a cold winter night, your roof is a vital part of your home. To help make sure it’s protecting you and your family from the elements, regular maintenance and inspections are key. Here are some roof inspection tips to consider.
Why Should You Inspect Your Roof?
Regular Roof Inspections can help identify issues prior to them becoming potentially major problems. It may be easier to fix these smaller issues now, which may save you time and money in the long run.
How Often Should You Inspect Your Roof?
Typically, your roof should be inspected at least once a year, according to Zillow. However, you should also check your roof after any extreme weather event, like hail, snow or wind, and look for any interior leaks, says Zillow. Because all roofs are different, it’s important to consult a professional to know what to inspect and how often.
Keep in mind, you should always hire a professional to inspect and maintain your roof. It’s extremely dangerous to work on your roof without the proper training. It may also be a good idea to confirm the roof professional has the proper insurance coverage for himself.
Get a quick, personalized insurance quote today.
What Should Be Inspected on Your Roof?
Once you find a professional to inspect your roof, BobVila.com suggests they do the following tasks:
Loss assessment coverage is an optional add-on to your condo insurance policy that can help in the event of an accident in a shared area of the condo property, such as lobbies, stairwells, pools, outdoor spaces and more. Ordinarily, the homeowners master policy provides coverage for incidents that occur in these shared areas; however, if the amount of the damages exceeds the master policy’s limits, the residents of the condo may end up having to contribute financially (whether they were involved or not). By adding loss assessment coverage to your condo insurance policy, you may be able to avoid paying out of pocket for these types of expenses.
Do I need loss assessment coverage? Loss assessment coverage is not a required add-on to your condo or HO6 insurance policy. However, it can come in handy in the event of unexpected damages. Loss assessment claims could include personal liability incidents in shared areas, vandalism to the building’s exterior or property or even damage to the building’s shared interior spaces resulting from fire, certain natural disasters and more. These types of accidents could cost thousands of dollars to repair – and if the master policy’s limits are exceeded, the tenants are required to collectively pay the difference. Loss assessment coverage can protect you financially in the event of such an incident.
How much loss assessment coverage do I need?The policy limits you select for your individual loss assessment coverage should depend on your HOA’s master policy limits. Talk to your HOA association about the master policy’s loss assessment limits before getting a condo insurance quote.
Learn more about what condo insurance covers.
Comprehensive insurance is a coverage that helps pay to replace or repair your vehicle if it's stolen or damaged in an incident that's not a collision. Comprehensive typically covers damage from fire, vandalism or falling objects (like a tree or hail). If you're financing or leasing your car, your lender likely requires comprehensive coverage. If you own your vehicle outright, it's an optional coverage on your car insurance policy.
WHAT IS COVERED BY COMPREHENSIVE INSURANCE?Comprehensive helps cover damage to your car that's not the result of a collision, such as:
WHAT'S NOT COVERED
COMPREHENSIVE COVERAGE DEDUCTIBLES AND LIMITS
When you purchase comprehensive coverage, you will select a set deductible, which is the amount you pay out of pocket toward a covered claim. Let's say you choose a $500 deductible, and your car is later damaged by hail in a covered claim. If it costs $1,500 to repair your car, you would pay your $500 deductible, and your insurance would pay the remaining $1,000.
Comprehensive coverage has a limit, or the maximum amount your policy will pay toward a covered claim. The limit on comprehensive coverage is typically the actual cash value of your vehicle.
If your car is stolen, for example, your policy would reimburse you for your car's depreciated value. In other words, if you wanted to replace your stolen vehicle with a newer make and model, you would likely have to use some of your own money to do so, in addition to using the reimbursement from your insurer.
WHAT IS THE DIFFERENCE BETWEEN COLLISION AND COMPREHENSIVE INSURANCE?
Collision coverage helps pay to repair your car if it's damaged in a collision.
Comprehensive is a separate coverage from collision and covers different types of losses.
Comprehensive Insurance vs. Collision Insurance
FeatureComprehensive CoverageCollision Coverage What's Covered Non-collision damage to your vehicle, such as:
Actual cash value
Actual cash value
Required or Optional?Required if leasing or financing vehicle. Otherwise optional.
Required if leasing or financing vehicle. Otherwise optional.
What's Not Covered
WHY BUY COMPREHENSIVE COVERAGE?
If you're wondering whether you should buy comprehensive coverage, here are a few considerations:
What Is Uninsured Motorist Coverage?
Updated: March 2019
Uninsured motorist coverage is part of a car insurance policy that helps pay for your medical bills or car repairs if you're hit by a driver who doesn't have car insurance.
Typically, when you're in an accident and the other driver is at fault, his or her auto liability coverage would help pay for your medical bills or repairs to your car. But if the at-fault driver doesn't have car insurance, you may have to pay out of your own pocket for those expenses. That's where uninsured motorist coverage may help.
Emergencies are a part of life. There’s no way to predict them and often no way to avoid them — but you can plan ahead for an emergency, at least financially. By setting aside money “just in case,” you may be ready to handle an unexpected situation, like a car needing repairs or medical bills for a sick kid, without throwing your finances a curve ball, too. Here’s what you need to know about having an emergency fund and when you may need to use it.
What Is an Emergency Fund? Simply put, it’s money you save for unexpected expenses. You can add to the fund regularly but should only make a withdrawal for an emergency, like covering the cost of repairs for a broken washing machine or to pay bills after an unexpected job loss.
How Much Should I Save? Generally, you should keep at least three to six months of expenses in your fund, says The Balance. You should also consider your circumstances. If you are a one income household, have children or have a family member with medical needs, it may be a good idea to have six months or more worth of expenses saved up, says. However, if you’re part of a two-income household, or you’ve had a steady job for several years, then a three-month emergency fund may be enough.
If you are in debt, recommends starting with a goal of $1,000 for your emergency fund. From there, you can start working towards saving the recommended three to six months’ worth of expenses.
Why Not Just Rely on Credit Cards? Credit cards can be helpful in an emergency. However, if you cannot pay off the balance in full right away, you’ll typically end up paying interest on top of whatever you charged in the first place. So, you won’t just be paying for the cost of an unexpected expense — you may be paying interest to the credit card company, too. If you have an emergency fund available, you can use that to pay off the expense immediately and avoid incurring additional debt.
Where Should I Keep The Money? You should ensure you can access the money in your emergency fund quickly, easily and without any fees or penalties, says the Financial Industry Regulatory Authority (FINRA). One option is to have a savings account at a bank or credit union, as withdrawals can typically be done quickly and your account will likely earn interest. Similarly, The Balance says a money market account may be another good option, as these accounts have similar features to savings and checking accounts and typically pay interest. If you’re looking to earn a little more interest, FINRA states that you could also consider a certificate of deposit, or CD, but keep in mind that you may lose the interest the CD earns if you have to withdraw the money early.
What If I’m Barely Making Ends Meet?It’s OK to start slowly — the key is to start saving. Keep in mind that if you’re already in debt or are living paycheck to paycheck, even a small emergency can really set you back. It’s important to set a starting goal for your emergency fund and work towards it.
Chances are there is at least a small amount that you could use to start your emergency fund. Personal finance author Stefanie O’Connell recommends tracking your spending for a month and then looking for areas where you can cut back. For example, maybe you can lower your grocery expenses, or reduce your cellphone’s data plan to save money each month. Making small changes in your spending can help you build your emergency fund.
What Is Considered an Emergency? A true emergency is one you couldn’t have seen coming. For example, you get sick and end up with a few unexpected medical bills. Or, your 4-year-old furnace goes out, when you should have had years before you needed to replace it.
Before you take money out of your emergency fund, DaveRamsey.com recommends asking yourself three questions about the situation:
What If I Have to Take Money Out of the Fund?It happens, and that is why you have the fund — so you are prepared in case the car breaks down or the baby gets sick. It may be frustrating to see your savings reduced, but this is what the emergency funds were for. says you just need to replenish the money as soon as you are able to, so that you’re prepared in case another emergency arises.
You may not be able to prevent an emergency from happening, but by setting up an emergency fund you may be financially prepared to handle an unexpected situation.
What's the difference between a shed and an awning.
What are noticeable differences between a shed and an awning. First we notice that the shed is enclosed while the awning is not. The awning is used for parties or as a patio entertainment area. While the shed is used strictly for storage. I had a customer that had an awning that he was using as a shed, to store things. So when Allstate went to cover the back of the shed, it wasn't approved, so I said, "this looks more like an awning, if you can get rid of all the stuff in the back of the "shed" then you should be fine to get this covered as an awning." Allstate so far is approving it since it does in fact look more like an awning since it's wide open. So if he takes all this debris and washer and dryers out and puts a kitchen they might be able to get this approved as an awning rather than a shed. It's very interesting to be an insurance agent for Allstate, I have learned so much.