Thursday, July 30, 2015
1012 C Street  •  Floresville, TX 78114  •  Phone: 830-216-4519  •  Fax: 830-393-3219  • 

WCN Site Search


Lost & Found

Lost/dognapped: Black Lab/Pyrenees male puppy, about 30 pounds, vaccination tag on collar, last seen on Wood Valley Dr., Wood Valley Acres, Adkins, Sat., July 18 around noon. 210-827-9533.

VideoFound: older Dachshund running down the road. If this is your dog please call (210)789-0925. Will need proof and verification that the dog is your's.
Lost: White Maltese dog, 12 pounds, answers to Brookley, on Sun., July 19, 10 miles north of Floresville on Hwy. 181, $100 reward! Tom and Jean Harris, 830-393-0814. 
More Lost & Found ads ›

Help Wanted

Data entry position for Angell Enterprises, full-time positions, 30+ hours, for very busy office, customer service skills a must, pay based on experience. Serious applicants apply in person at 2301 10th St., Floresville, ask for Hilda.
Class A CDL driver needed for Jourdanton and surrounding areas. Home every night, must pass drug test and have clean MVR for the last 3 years. Call Frank at 210-378-3108.
More Help Wanted ads ›

Featured Videos





Video Vault ›
Richardson Chevrolet homeTNMCRE/MAX home
You’ve been granted free access to this subscribers only article.

Special Section


Bridal Guide: Questions to ask before you tie the knot


Bridal Guide: Questions to ask before you tie the knot


E-Mail this Story to a Friend
Print this Story
April 17, 2013
1,822 views
Post a comment

(BPT) - “I’m so lucky I’m marrying my best friend” is a phrase you often hear in wedding toasts. Now that you’ve found the person you want to spend the rest of your life with, make sure you protect each other by considering the bigger financial picture.

According to Wedding Paper Divas, 47 percent of engaged couples spend between one and nine hours per week planning their weddings, but it’s unlikely that much of that time is spent planning for life after the big day.

“Getting married is the perfect time to take a fresh look at your entire financial picture, including your insurance needs,” says Doug Smith, senior vice president of the Personal Lines division at Erie Insurance. “It’s much better to plan before the wedding so there are no surprises later.”

Here are five key insurance questions to discuss with your spouse-to-be before taking a walk down the aisle:

Where’s my bling?

Chances are you spent a lot of time and money picking out rings you’ll love and wear every day. But according to asecurelife.com, one in 36 homes in the United States will be broken into this year, so it’s important to make sure you have the right insurance to cover your rings if they’re lost or stolen.

Your strategy: Have your rings appraised to establish their value. Keep your store receipts and take a picture of the rings. Having pictures and documentation helps speed up the claims process if you have to file a claim. Also, keep your rings in a safe deposit box when you’re not wearing them.

Baby, can you drive my car?

Once you’re married, your spouse generally will be covered on your auto insurance policy and vice versa. This could mean opportunities for savings.

Your strategy: Once you become a two-car home, you may be eligible for a multi-car discount. You should also consider bundling your car insurance with your homeowners and/or life insurance which can result in even more savings. Additionally, some insurance companies offer a lower rate for married couples, so talk to your insurance agent to find out if this applies to your policy.

Have you protected the things that make your house a home?

Are you planning to move into a new home after the honeymoon? Whether or not your living situation changes, make sure your home and belongings are protected.

Your strategy: Consider what new pieces will be added to your abode. If you purchase new furniture, art pieces or any other new belongings, it’s a good idea to make sure those items are covered in case of theft, fire, or natural disaster.

You’ll also want to make sure your home insurance covers 100 percent of the cost to rebuild your home if needed. “Do your research,” says Smith. “Some insurance companies cap their coverage at a certain amount. That means you could find yourself substantially underinsured, even if you thought you were paying for so-called ‘replacement cost’ insurance.”

What do you need to do before plunging into a remodeling project?

Even if you’re not purchasing a new home, two people in a house means you need more space, so you may be adding on to your existing home. This can mean workers doing potentially dangerous jobs in the home.

Your strategy: When you hire a contractor, request a certificate of insurance to confirm their liability and workers’ compensation coverages. Review the certificate and your homeowners policy.

Have you thought about life after you say “I do?”

When you get married, you may become part of a dual-income household. When this happens, you plan your future based on a new budget created by two incomes, which brings increased financial responsibility. Should something happen, surviving family members could struggle without the right level of protection.

Your strategy: Make sure your spouse is protected if one income is lost. Universal life insurance provides insurance for your entire life and builds a cash value. Term life insurance provides affordable coverage for a set number of years. Some websites, including erieinsurance.com, offer online calculators to help you determine how much insurance you need. As you begin to build a nest egg, you have more assets to protect. A personal umbrella policy provides extra protection for you and your family against lawsuits arising from personal injury or property damage claims.

While it’s important to plan for rain on your wedding day and to make sure everyone has a place card, it’s even more important to plan for what comes after the moment you say “I do.” Making the proper insurance and financial arrangements will be a load off your mind if something should arise.
 

Your Opinions and Comments


Be the first to comment on this story!


You must be logged in to post a comment.




Not a subscriber?
Subscriber, but no password?
Forgot password?

Special Section Archives


Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Agape Academy 2015 graduate (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Alyssa Kallies Poth High School salutatorian (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Ashlee Aicher Floresville High School valedictorian (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Britteny Martinez Stockdale HS salutatorian (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Chloe Wilson Falls City High School valedictorian (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Colin Trainer East Central High School top-ranking student (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: East Central High School class of 2015 (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: East Central High School class officers (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: East Central High School honor graduates (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Falls City High School class choices (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Falls City High School class of 2015 (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Falls City High School class officers (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Floresville High School class choices (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Floresville High School class of 2015 (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Floresville High School class officers (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Jesse Opela Stockdale HS valedictorian (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Julie Rakowitz Floresville High School salutatorian (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Karnes City High School class choices (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Karnes City High School class of 2015 (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Karnes City High School class officers (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Kathryn Wiatrek Karnes City High School valedictorian (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: La Vernia High School class choices (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: La Vernia High School class of 2015 (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: La Vernia High School class officers (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Lexi Wauters Poth High School valedictorian (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Mackenzie Ford La Vernia High School valedictorian (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Madison Simon East Central High School second-highest-ranking... (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Marcos Pompa Nixon-Smiley HS valedictorian (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Morgan Kelley Karnes City High School salutatorian (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Nixon-Smiley City High School class officers (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Nixon-Smiley High School class song (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Nixon-Smiley High School graduates (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Olivia Hinojosa La Vernia High School salutatorian (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Poth High School class choices (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Poth High School class of 2015 (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Poth High School class officers (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Stockdale High School class choices (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Stockdale High School class of 2015 (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Stockdale High School class officers (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Tessa Jendrusch Falls City High School salutatorian (June 10, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tomorrow's Leaders: Union Valley Christian Academy 2015 graduate (June 10, 2015)
Crisp Realty open house 8/1/15
Sherwood Surveying
Pursch Motors
DDS Dentures & Dental Services Right-side banner
John D. Foster home
WCN web hosting
Hammerfest
Abrego Lake
Diva Nails & Spa
Edward Jones-Prescott Katie Prescott
Caraway Ford
Hoelschers home
Pat Brown Realtors, Inc. home
Agave Dental
WCN Citizens Forum 5/28/15
Triple R DC ExpertsVoncille Bielefeld homeDrama KidsHeavenly Touch homeauto chooserAllstate & McBride Realty

  Copyright © 2007-2015 Wilson County News. All rights reserved. Web development by Drewa Designs.