Bensman Risk Management, Inc.


Insurable Interests

Bensman Risk Management, Inc.
2333 Waukegan Road Suite 275
Bannockburn, IL 60015
847-572-0800 Phone
847-572-0502 Fax

Insurable Interests may offer general financial, insurance, tax and business ideas. However, due to the ever-changing tax laws as well as the complexity of the financial industry, you should seek professional advice before implementing any of the ideas contained in this newsletter. The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C. assumes no liability whatsoever in connection with the use of this newsletter.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS). Kestra IS and Kestra AS are not affiliated with The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C.

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Insurable Interests

Vol. 11, Issue 8April 2016

FINANCIAL INTERESTS

Home To-Do List for Spring

Once spring has really sprung, it’s a good time to take care of chores both inside and outside your home. This checklist can help you save money, and stay safe. If you don’t want to do some of these jobs on your own, you can hire someone to handle them for you.

Inside:

  • Schedule an inspection of your air conditioning system by a certified HVAC technician. This can help ensure that your system will be running as efficiently as possible when the summer heat arrives. You will end up paying less to cool your home, and you also might avoid an electrical malfunction or fire.

  • While you’re at it, replace your A/C filters so that your system doesn’t have to push air through a winter’s worth of grit. That also might cut down on pollen in your home.

  • Vacuum the coils on your air conditioner and refrigerator. That makes them run more efficiently, which in turns saves on energy costs.

  • Clean out your dryer vent. Lint buildup in the dryer – both in the machine itself and in the ductwork leading outside – makes your dryer run less efficiently and can pose a fire hazard. While you are in the laundry room, check the washer hoses for wear or breakage, and check the connections for leaks.

  • On a windy spring day, stand next to windows and doors to check for leaks. If you find any, recaulk or add weatherstripping. That will keep the cool air in and the hot air out – and your cooling bills down.

    Outside

  • Clean your gutters and downspouts. That allows heavy spring and summer rains to run off your roof, through the gutters and downspouts, and away from your home so that the water does not end up back in your basement. Be sure to wait until all or most of the tree debris is down or, if there is a lot of debris, consider cleaning the gutters a few times. If your house is more than one story, this might be a good job for a professional.

  • Check your roof. Winter snow and ice are hard on shingles, so climb up and make a visual inspection. Replace any missing or damaged shingles before rain starts coming through your ceiling. Depending on your level of skill and experience – and how you feel about heights – this also might be a job for a pro.

  • Walk around your foundation, and check for cracks or settling. If you find any, get some bids for fixing the problem, because it will not go away on its own. While you are checking out the foundation, make sure that the grading of your yard is carrying water away from your house. If it is not, you might be able to do minor regrading yourself, but you also might need to call a contractor.

  • Check wooden decks, stairs and rails for loose or rotting boards, protruding nails and other problems, and make necessary repairs. This also might be a good time to power-wash and seal your deck.

  • Check sidewalks and driveways for cracks or settling. You might be able to make repairs yourself, or you might need to hire someone for the job.

  • Once the danger of a freeze has passed, reattach your hoses and check your outside faucets for leaks. You don’t want to pay for water that leaks out of the faucet or attachment and into your foundation.

    Finally, if you are feeling ambitious after your spring cleanup, consider holding a garage sale to make some extra money and get rid of a lot of unwanted junk.

    This article was created by Osmosis Digital Marketing for use with permission by The Bensman Group.

    Photo: iStockphoto.com

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