Is Motorhome Insurance Mandatory?

A lot of families pack up their camper for a road trip during summer. It’s one of the best ways to travel and see the country with your family. But if you own or are considering getting a recreational vehicle, commonly referred to as an RV or a motorhome, you may be confused on whether or not you need a motorhome insurance. When it comes to motorhome insurance, many factors come into play and laws vary from one state to the next. 
 
In Massachusetts, for instance, you will be required to carry valid liability insurance to drive legally. But do you need a separate insurance for your camper or fifth wheel when driving on Massachusetts roads? Well, not necessarily. But the fact that you may not be legally obligated to carry motorhome insurance for your RV doesn’t mean that you shouldn’t. At Vargas & Vargas Insurance in Dorchester MA, we can help you choose a motorhome insurance coverage that makes sense for your situation.
 
When Is Motorhome Insurance Required?
 
One critical factor that comes into play when it comes to deciding whether you need a separate motorhome insurance policy is the class of the RV. There are three major classes of RVs i.e. class A, B, and C. Class A motorhomes include long RVs such as luxury coaches. The small class of recreational vehicles are covered in class B and include camper vans, travel trailers, and cargo van type designs. 
 
Fifth wheels and other vehicles whose camper portions extend over the cab area are in Class C motorhomes. You definitely need a separate motorhome policy if you have a Class A or Class B motorhome. You may also need motorhome insurance if your RV is a rental or if you don’t own it outright. Find the right coverage for your camper or motorhome at Vargas & Vargas Insurance in Dorchester, MA. Give us a call if you need more information on motorhome insurance. 

Recap: Avoid These Home-Buying Mistakes

“A man must be big enough to admit his mistakes, smart enough to profit from them, and strong enough to correct them.” – John C. Maxwell

Looking for a new home can be a stressful experience, and many people are afraid that they will make mistakes during the process. Thankfully, you have Boston business professionals on your side! We compiled a list of some of the most common mistakes made when buying a home so that you can avoid them. Here are just a few examples. Read the full post from last week for more details.

  • Going to tour potential new homes without a definitive “Wish List” in mind.
  • Forgetting about hidden costs, like closing costs and post-move expenses.
  • Buying a home for your present needs instead of considering the future.
  • Not asking your home inspector questions about the home you’re looking to buy.
  • Avoiding negotiations and agreeing to pay full price.
  • Not buying enough Massachusetts home insurance for your new house.

If you need help with your new home purchase, Vargas and Vargas Insurance Agency can refer you to a local professional. We know all the best loan officers and real estate agents in the area and would be happy to share their contact information. Just call 617-298-0655 and ask! Also pick up the phone and call our agency with all your home insurance questions and quote needs.

April National Days Calendar

April 1st

  • April Fools’ Day
  • National One Cent Day
  • National Sourdough Bread Day
  • Easter – Changes Annually

April 2nd

  • National Ferret Day
  • National Peanut Butter and Jelly Day
  • National Reconciliation Day

April 3rd

  • National Film Score Day *
  • National Chocolate Mousse Day
  • World Party Day
  • National Find a Rainbow Day
  • National Tweed Day
  • SAAM Day of Action – First Tuesday in April
  • National Tweed Day

April 4th

  • Jeep 4×4 Day
  • National Chicken Cordon Bleu Day
  • National Hug a Newsperson Day
  • National School Librarian Day
  • National Walk Around Things Day
  • National Walking Day – First Wednesday in April
  • Childhelp National Day of Hope – First Wednesday in April

April 5th

  • National Caramel Day
  • National Deep Dish Pizza Day
  • National Go For Broke Day
  • National Raisin and Spice Bar Day
  • National Read a Road Map Day
  • National Burrito Day– 1st Thursday of April
  • National Alcohol Screening Day – Thursday of the First Full Week in April

April 6th

  • National Caramel Popcorn Day
  • National Sorry Charlie Day
  • National Student-Athlete Day
  • National Tartan Day
  • National Teflon Day

April 7th

  • National Girl Me Too Day *
  • National Handmade Day*
  • National Beer Day
  • National Coffee Cake Day
  • National No Housework Day
  • National Love Our Children Day – First Saturday in April

April 8th

  • National All is Ours Day
  • National Empanada Day
  • National Zoo Lovers Day

April 9th

  • National Cherish an Antique Day
  • National Chinese Almond Cookie Day
  • National Former Prisoner of War Recognition Day
  • National Name Yourself Day
  • National Winston Churchill Day

April 10th

  • National Cinnamon Crescent Day
  • National Encourage a Young Writer Day
  • National Farm Animals Day
  • National Siblings Day
  • National Equal Pay Day – A Tuesday in April – Changes Annually
  • National Library Workers Day – Tuesday of National Library Week

April 11th

  • National Barber Shop Quartet Day
  • National Cheese Fondue Day
  • National Eight Track Tape Day
  • National Pet Day
  • National Submarine Day
  • National Bookmobile Day – Wednesday of National Library Week

April 12th

  • National Big Wind Day
  • National Grilled Cheese Sandwich Day
  • National Licorice Day

April 13th

  • National Make Lunch Count Day
  • National Peach Cobbler Day
  • National Scrabble Day
  • National Thomas Jefferson Day
  • National Blame Someone Else Day – First Friday the 13th of the Year
  • National Donate Life Blue and Green Day– Changes Annually

April 14th

  • National Dolphin Day
  • National Ex-Spouse Day
  • National Pan American Day
  • National Pecan Day
  • National Reach as High as You Can Day

April 15th

  • National Glazed Spiral Ham Day
  • National Rubber Eraser Day
  • National Take a Wild Guess Day
  • National Tax Day
  • National Titanic Remembrance Day

April 16th

  • National Orchid Day
  • National Bean Counter Day
  • National Eggs Benedict Day
  • National Healthcare Decisions Day
  • National Wear Your Pajamas to Work  Day

April 17th

  • National Bat Appreciation Day
  • National Cheeseball Day
  • National Ellis Island Family History Day
  • National Haiku Poetry Day

April 18th

  • National Animal Crackers Day
  • National Columnists’ Day
  • National Lineman Appreciation Day

April 19th

  • National Amaretto Day
  • National Garlic Day
  • National Hanging Out Day
  • National Oklahoma City Bombing Commemoration Day
  • National High Five Day – Third Thursday in April
  • National Get to Know Your Customers Day – Third Thursday of Each Quarter

April 20th

  • National Cheddar Fries Day
  • National Lima Bean Respect Day
  • National Look Alike Day
  • National Pineapple Upside Down Cake Day

April 21st

  • National Yellow Bat Day
  • National Chocolate Covered Cashews Day
  • National Kindergarten Day
  • National Auctioneers Day – Third Saturday in April
  • National Record Store Day – Third Saturday in April

April 22nd

  • National Earth Day
  • National Girl Scout Leader’s Day
  • National Jelly Bean Day

April 23rd

  • National Cherry Cheesecake Day
  • National Lost Dogs Awareness Day
  • National Picnic Day
  • National Take a Chance Day
  • National Talk Like Shakespeare Day

April 24th

  • National Pigs in a Blanket Day
  • National Teach Children to Save Day– Changes Annually

April 25th

  • National DNA Day
  • National East Meets West Day
  • National Hug a Plumber Day
  • National Telephone Day
  • National Zucchini Bread Day
  • National Administrative Professionals Day – Wednesday of Last Full Week in April

April 26th

  • National Audubon Day
  • National Help a Horse Day
  • National Kids and Pets Day
  • National Pretzel Day
  • National Richter Scale Day
  • National Take Our Sons and Daughters to Work Day – Fourth Thursday in April
  • National Poem in Your Pocket Day – Changes Annually

April 27th

  • National Devil Dog Day *
  • National Babe Ruth Day
  • National Prime Rib Day
  • National Tell a Story Day
  • National Arbor Day – Last Friday in April
  • National Hairball Awareness Day – Last Friday in April
  • National Day of Silence – Changes Annually

April 28th

  • National Kiss of Hope Day – Last Saturday in April
  • National Blueberry Pie Day
  • National BraveHearts Day
  • National Great Poetry Reading Day
  • Workers’ Memorial Day
  • National Superhero Day
  • National Rebuilding Day – Last Saturday in April
  • National Sense of Smell Day – Last Saturday in April
  • National Pool Opening Day – Last Saturday in April

April 29th

  • National Peace Rose Day
  • National Shrimp Scampi Day
  • National Zipper Day
  • National Pet Parents Day – Last Sunday in April

April 30th

  • National Bubble Tea Day *
  • National Military Brats Day
  • National PrepareAthon! Day
  • National Adopt a Shelter Pet Day
  • National Bugs Bunny Day
  • National Hairstylist Appreciation Day
  • National Honesty Day
  • National Oatmeal Cookie Day
  • National Raisin Day
  • National Sarcoidosis Day

Happy Spring! Do You Keep Waiting For Flowers To Bloom?

I hope that you are as excited as I am about today, today is the first day of Spring!

With all of this winters storms, this day is so much more special.

I know that it is just a date on the calendar, but it gives us reason to hope that the weather will be changing really soon.

I like to start my week with some words of wisdom,

“You’re frustrated because you keep waiting for the blooming of flowers of which you have yet to sow the seeds.” -Steve Maraboli

Do you have a stack of “stuff” that you intend to let go or get to, but never do?
 
I swear that my wife Kathy is the master of getting things done. She hates to see “stuff” stacked up anywhere. It’s a mindset. I have said before, she is super organized, she has a plan and is amazingly detailed on what she wants and does not want. It’s an addiction for her. Our son Matthew is just like Kathy, Jonathan and I are the exact opposites.
 
Stop Letting Things Pile Up
I have a silent little secret. It’s books, specifically the buying of books. I have decided that I am not going to buy any more books until I read (or given away) the ones that I have piled up. I’ve purchased many books thinking that they would be great reads, or that I would get some great ideas from them, but some have not even been looked at.
 
I have started taking notes on all the ideas that I think are useful and want to incorporate into my business and personal life from the books that I am reading. I am using Evernote to keep track of these ideas.  I will work on implementing these new ideas as hard as I work to read the book.
 
I want you to do the same. I bet you’re subscribed to too many newsletters. Unsubscribe from the ones that are not serving you. And I mean MY Monday Morning Message and our connection, too. If you do not find my writing interesting, or useful, click Unsubscribe at the bottom of the email, or unfollow me on Linkedin. It won’t hurt my feelings at all.
 
You see, I am a believer in the philosophy of “out of everyone you meet, 25% will automatically take a liking to you, 25% will automatically hate you and the other 50% is undecided.” I write these messages for the 25% that like me and the 50% that are still undecided.
 
Stop Adding “Stuff” to Your Life
Are you one of those people who has a plan, not really following it, and so you start looking for a new plan? You may be thinking that you’re not the problem in this equation. You are. And I am too, sometimes.
 
Work on ONE plan. Give it all your effort. Execute that plan. THEN, if it’s not working you can abandon it and try another. You are better off having learned from this failure rather than never having tried it.
 
But neither you nor I have permission to think, “Hmm, I’m not actually doing this anyway, so I’ll go find something else to not do.” Give it your 100% or abandon it completely: half-hearted efforts are a total waste of your time. You won’t be helped by doing this… that’s last year’s mentality.
 
One at a Time
Setting habits is like farming – you need to plant the right seed, tend to it, water it, and with the right amount of sun, air, and fertilizer, you will soon be harvesting the benefits of your hard work. You can’t just throw your seeds into the fertile soil of your business and expect them all to sprout. They’ll choke each other out, be encroached on by weeds or be eaten by the birds (your competitors). It’s a waste of time, effort, and treasure!
 
Plant one seed variety at a time. Nurture it. See the results. And then grow.
 
Spring is here
Start cleaning now. Clean out the sources of information you’re no longer using. Clean out the abundance of half-started plans in your world. And work on what resonates with the one goal you need to work on FIRST.
 
It’s time to shut off the spigot of knowledge and ideas and drink what we have poured. Get into a more measured approach. Choose a path and let that guide you forward.
 
If you need some help elevating your business to the next level, I may be able to help. I have worked with some amazing people who needed help, and I have room to coach a couple of local business people. Just reply to this message and we can set up a time to meet so I can learn about you and your business and see if we are a good fit!
 
Have a great week!

Carlos

PS If you or a client, coworker, family member or a friend who would benefit from our high level of attention to service and competitive rates we provided, I would sincerely appreciate your recommendations.Please text our agency at 617-409-0329 or Click here

PPS What I learned today, “What was Leonardo Da Vinci’s real name” Click here to read more.

Consider a Strategic Business Alliance to Expand Client Base

 

A business alliance with a company that provides products or services that complement those of your company may help you grow your business.

One reason to consider a business alliance is that it does not have to be a legal partnership requiring contracts and lawyers. You may team up in an informal arrangement with another business, to share customer contacts and marketing strategies. This type of group effort may save both businesses money.

When pooling your resources with that of another company, this may enable both of you to diversify your product and service offerings. This may have the potential of expanding your clientele considerably. You may pool your resources with advertising, internet marketing, participating in local festivals or trade shows, and effectively cut back on expenses.

Before you make a decision on a business alliance, you should do some research on how much business you potential business partner does, what kind of market presence they have. After all, you do not want to partner up with a business that is only waiting for you to send them business and not be reciprocating.

Should you not want to have such a structured framework for your business alliance, you may consider an arrangement in which your company and another company simply refer each other to customers for certain kinds of jobs. Any business expansion may bring with it a need for additional Massachusetts business insurance coverage. You may want to contact your agent to determine any extra policies you may need.*

If you have decided to start such an alliance, it’s important to move slowly and see if in fact you and your partner are really compatible in the “real world”. And many such alliances may make both partners look better.

When you experience business growth, you may want to consider reviewing your Massachusetts business insurance policies in case you need additional financial protection.

Should you have additional questions or wish to learn more about setting up an alliance, please call me at 617-298-0655 ext 101 or leave a message below.

Carlos

February 2018 Newsletter


Happy February!
I thought that I would start this month’s message with a positive message:

“No winter lasts forever; no spring skips its turn.” 

-Hal Borland
It’s been a rough winter for many of us! With all of the really cold weather, there have been many claims around frozen pipes, check out our blog below on what to do to prevent pipe freeze-ups and Ice Dams.
Check out the story behind Saint Valentines Day, Click here to read more.
February marks the beginning of Black History Month. Each year Americans set aside this month to focus their historical hindsight on the contributions that people of African descent have made to this country.  Wmust celebrate ourselves and do it loudly.  No matter the shape, size, hue or ability, all of our stories matter and they deserve to be told through our lens. I recently read this article on the Queens of Black History Month, that I found very interesting, Click here to read it.
Life Insurance is LOVE Insurance, which makes February and Valentines Day a perfect time to remind you of the need for Life Insurance.  The majority of Americans would have trouble paying for living expenses immediately or shortly after the primary wage earner in the house dies.  Please click here to read more on how much life insurance you should carry. Have questions? Please click here and we will contact you to review your questions and your current life insurance.
I recently had the pleasure of cooking with guest chef Adelina Armas of International Food Gourmet in Brockton. Adelina shows Sharon and me how to make chicken breasts stuffed with prosciutto, mozzarella and spinach., Click here check out the latest “Get Fresh” cooking show below.

Click here to watch the video.

There are lots of great things to do in and around the Boston area this month, please find some fun family things to do below.

Carlos

PPS, What I learned today, “Which zodiac signs are a love match “ Click here 

 

Continue reading

Vargas and Vargas Blog’s Best of 2017

Here at Vargas and Vargas Insurance Agency, we want to make sure that you’re always informed – that’s why we update this blog several times a week with new and interesting information! There have been lots of fun and educational posts on this blog, and here are just a few examples – one from each month of 2017. Which was your favorite, and what subjects would you like to learn more about?

Have you enjoyed our blogs in 2017? We would love to hear your suggestions to make 2018 our best year yet! If you have any ideas for improving our website or blog, don’t be shy – let us know! And remember, Vargas and Vargas Insurance Agency is always here to help with all of your Massachusetts insurance needs. Call 617-298-0655 to get started on an insurance quote or insurance review now.

Forget the New Year Resolutions and Set SMART Goals

Is this crazy or what? December has completely snuck up on us. Did you know that there are only 6 “work days” left between now and December 22nd when things will shut down for the holidays? While December is a month of celebration and cheer, it’s also the time to get planning for a successful 2017.

Have you ever heard the phrase, “What you don’t measure you don’t improve”?

I started this writing last week thinking that I would be writing to you about New Year resolutions, but the more that I dug through my past resolutions, I found that I have never succeeded with almost any of them. Some of my past resolutions have been; lose weight, become more physically active, be a better life partner (I hope that I have made some headway with this one), be a better parent, be a better person, prospect for more of this or that kind of insurance lines of business, etc.. This quote became so poignant when I read it.

Don’t get me wrong; I think that New year Resolutions may be worth making for some, but, perhaps they are a guideline for us to follow, rather than an exact recipe that will place more pressure on our already overburdened lives.

It’s certainly true in business, sports, and science, but what about in life? How do you measure progress in your life? With work or business, we could use our income. But what about our health, relationships, or intellectual growth?

So, are You ready for 2018?

Will 2018 be your best year yet?

What are you doing to make 2018 your best year yet?

I will be truthful with you, I failed a lot in 2017, but also had many successes. I have learned from those failures, and hope to harp on the achievements.

Do you know the feeling; I mean the failure feeling?

Don’t use the “failure feeling” to rekindle those strong negative emotions (it’s not easy, especially if they were severe). Instead, I hope that you learn from your failures as I do.

Like many people, I sometimes struggle to stay focused on my goals. Week in and week out, there is always a “new way of doing things” or a “new shiny whistle” that tries to take my attention away from what is important.

While planning and goal setting is vital in the business world, I hope that you don’t forget that it is just as important to establish goals for your personal life. Don’t forget that without our health and our relationships, many of our lives would be meaningless!

Setting and achieving your goals may be difficult, but there is help available. Here are few of my recommendations:

Here’s what Michael Hyatt says about goal setting:

Make them “SMART.” This is an acronym, as you probably know, and it is interpreted in various ways by different teachers. When I refer to SMART goals, I mean goals that meet five criteria. They must be:

  • Specific—your goals must identify exactly what you want to accomplish in as much specificity as you can muster.
    • Bad: Write a book.
    • Good: Write a book proposal for The Life Plan Manifesto.
  • Measurable—as the old adage says, “you can’t manage what you can’t measure.” If possible, try to quantify the result. You want to know absolutely, positively whether or not you hit the goal.
    • Bad: “Earn more this year than last.”
    • Good: “Earn $5,000 more this year than last.”
  • Actionable—every goal should start with an action verb (e.g., “quit,” “run,” “finish,” “eliminate,” etc.) rather than a to-be verb (e.g., “am,” “be,” “have,” etc.)
    • Bad: Be more consistent in blogging.
    • Good: Write two blog posts per week.
  • Realistic—you have to be careful here. A real goal should stretch you, but you have to add a dose of common sense. I go right up to the edge of my comfort zone and then step over it. (If I am not out of my comfort zone, I’m not thinking big enough.)
    • Bad: Qualify for the PGA Tour.
    • Good: Lower my golf handicap by four strokes.
  • Time-bound—every goal needs a date associated with it. When do you plan to deliver on that goal? It could be by year-end (December 31), or it could be more near-term (September 30). A goal without a date is just a dream. Make sure that every goal ends with a ‘by when’ date.
    • Bad: Lose 20 pounds.
    • Good: Lose 20 pounds by December 31st.

Once you have SMART goals for your professional and personal life, make sure to Write them down and place them in a visible location, like on your desk or the refrigerator (I have my goals taped to the wall in my closet).

Click here for more information on Michael Hyatt’s goal setting techniques.

Your success and happiness lies in you. Resolve to keep happy, and your joy and you shall form an invincible host against difficulties.
-Helen Keller

I hope that you have a happy, prosperous and safe new year!

Carlos

 

 

 

Three Mistakes to Avoid When You Purchase Motorcycle Insurance

Your motorcycle insurance will protect you and everyone else on the road from the financial consequences of an accident. You need to make sure that you choose the right policy to get the insurance coverage you need at a price you can afford.

Vargas & Vargas Insurance in Dorchester, MA wants to help you find the motorcycle policy that fits your lifestyle. The following are three mistakes to avoid when you purchase motorcycle insurance to make sure you get the ideal policy:

1. Not specifying that a motorcycle is only a recreational vehicle

Some bikers use their motorcycle to make an everyday commute to work. Others are merely recreational riders who might go for a ride on the weekend or only a few times a month.

Make sure you opt for recreational coverage if you’re not using your bike every day. This can save you money on coverage without detracting from the amount of coverage you’re going to get.

2. Buying a bike without considering the costs of insuring it

The costs for insuring particular bike models can widely vary. You should factor the cost of insurance into the decision of making a bike purchase. A higher end or faster bike will more than likely result in higher insurance costs.

3. Purchasing separate motorcycle insurance without first looking into the possibility of a motorcycle endorsement

If you have a car or another type of vehicle, you may be able to add a motorcycle endorsement to your policy so that it will cover both your vehicle and your motorcycle. Bundling insurance is a popular choice if you have all your policies under one insurance agency.

Find the right motorcycle policy in Dorchester, MA with the help of Vargas & Vargas Insurance. Our agents are waiting to answer your questions and are ready to help you start a policy.