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Voted Year After Year... Issue: # 100 July 2018

Our 100th Issue!

In honor of our 100th issue of this
E-Newsletter, we'll take a look back at one
of our most popular series-- our year-long
50th Anniversary feature: 1962 Newport &
Beyond. It was an extremely eventful year
in local, national and international
history-and Newport was front and center
on the world stage with the First Family
vacationing at Hammersmith Farm and the
America's Cup competition in full swing. We looked at a full year of
Newport Daily News papers and even noted the price of Thanksgiving
turkeys at Almacs! Read it again or for the fist time and you'll be
TIMELY TOPICS: prepared with fun conversation starters for your Holiday week
gatherings.
Have A Blast But
Use Fireworks Safely
In current news, our two July features will help prepare you for your
summer vacation and/or road trips with Vacation Safety Tips and 6
Simplify Your Life Auto Insurance Myths. In honor of July 4th, #MotivationMondays
This Summer are inspired by patriotic quotes, #WhatDYaKnowWednesdays' BUG
OFF! provides natural insect repellents and on #FunFactFridays...
JULY well you'll just have to follow us on Facebook to find out!
Events & Holidays
We've also archived some timely information on Fireworks Safety
Aquidneck Grower's Market
and Simplifying Your Life but didn't forget our reader favorites
Farmer's Almanac Forecast, Skywatch and Community event listings.
As always, we hope that you will enjoy and share, and stay tuned for
our next 100 issues!

Finally, we'd like thank all of you, our loyal subscribers, friends and
Newport: Wed. 2pm-6pm clients for taking time to open and read our e-newsletter each month.
Middletown: Sat. 9am-1pm We wish you a very pleasant and safe Independence Week.

Newport Gulls We'll Always Do OUR BEST For YOU!

Home Games: 7/2, 4, 9,
11, 16, 18, 20, 25 & 27

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Independence Day, July 4th

7/4
First Freedom Open
House Tour

Vacation Safety Tips

7/4
Newport Harbor
Fireworks @ 9:15pm
(raindate: 7/5)

According to the FBI, a home is burglarized every 15 seconds in the

US- resulting in an average valued loss of $2,188. Follow these
vacation safety tips to keep your home and family secure while you're
away - and you can even use some of these tips when you're home.
7/12
Whitehorne House Deterring Burglars All Year Long
Museum Open House
To secure your home all year long, consider installing the following:

Home security system

Strong exterior doors made of solid wood or steel
Deadbolt locks
Motion-activated sensors on outdoor floodlights
Block windows or locked window well covers for the basement
7/13-7/15 Locks for your pet doors
Black Ships Festival

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Vacation Safety Tips for When

You're About to Travel

Resist the urge to mention

7/15-22
Dell Technologies Tennis
Hall of Fame Open
your trip on social media or
in public. You can always
post the pictures (and re-live
the vacation) once you're
back home.
Make an inventory of your valuables, including serial numbers
and photos
Stop the newspaper and mail, or ask a trusted neighbor to pick
them up.
Park your car inside the garage-- and ask a neighbor to park in
your driveway occasionally.
Put at least one light on a timer.
Arrange for your lawn to stay trimmed.

And Just In Case Someone Does

Break In

7/20-7/22 Even the best vacation safety

Hellenic Festival precautions fail to keep burglars out
of your house, you don't have to
make it easy for them if they get in.
Some ways to make their "job"
harder and protect yourself:

Don't keep expensive jewelry on your bedroom dresser.

Don't store silverware in the dining room hutch or china cabinet.
Keep important documents, financial information and small
7/21
valuables in a fireproof safe, discreetly hidden in your house.
Live Local Music
& Arts Festival
Make Sure You Have the Right Home Insurance Policy

No matter the precautions taken to prevent theft, sometimes the

unexpected still happens. In the event thieves break into your house,
steal your personal items or damage your home, homeowners insurance
may be able to help you.
Source: Nationwide®
7/27-7/29
The Newport Show:
Call us at 401-846-9629 for a FREE Homeowners Policy Review;
Antiques, Art
& Exquisite Objects
We'll Always Do Our Best for YOU!

Six Car Insurance Myths

CONTACT US: What affects the price of auto insurance and how big of a role
does your driving history play when it comes to insurance?
D.F. Dwyer Insurance When it comes to understanding how rates are calculated,
38 Bellevue Ave. several misconceptions could be impacting your car-buying

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Newport, RI 02840 decisions. But the fact is, many of them may not be true.
and
34 Narragansett Ave.
Jamestown, RI 02835
phone: 401.846.9629
fax: 401.849.4980
Email Us
www.dfdwyer.com

FARMER'S ALMANAC
FORECAST

JULY 2018

Below you'll find 6 major misconceptions and information to

help you make an informed decision about car insurance.

1. Red cars cost more to insure than other colors.

Average Temperature 76°,
Precipitation 6" (3" above
average) July 1-3: Sunny,
2. More expensive cars cost more to insure.
hot, 4-7: T-storms, then
sunny, cool, 8-12:, T-storms,
then sunny, 13-18: T-storms,
then sunny, cool, 19-24:
T-storms, then sunny, cool,
25-31: T-storms, then sunny,
hot.
3. Getting a traffic ticket
SUMMER FUN
ARCHIVES
While there's a rumor floating around that red cars will cost
you more, the car's color is not a factor in how your
insurance is calculated. The make and model of a car will
affect it, but not the color.
The purchase price doesn't have as much of an effect on the
cost of your premium as the repair costs. Some mid-priced
cars will cost more to insure than luxury cars because they
have a higher loss history, or they might just cost more to
repair. Always check with your insurance agent before
buying a car to avoid surprises on the new premium.
will automatically
increase the price of
your premiums.
While getting a ticket is
never a good thing, if your
violation is minor and
your record is clean
overall, it may not cause an increase in your rates. In fact,
in some states you can take classes to reduce or remove the
number of points from your license, which will lower your
premium. But, remember, your rates can be affected if you
have multiple traffic tickets.

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4. It's fine to carry only state-minimum liability

5. Your credit doesn't affect your insurance rates.
FLOOD INSURANCE
One Size Does NOT Fit All!
6. Comprehensive
We have NEW options:
Meet all lenders'
flood insurance
requirements,
Offer additional
advantages
AND may save you
money!
insurance.
Although most states require drivers to carry a certain
amount of liability insurance, that amount is most likely
not going to be enough if you have an accident. Buying the
minimum means you will pay more out-of-pocket costs if
you have an accident, which can run very high. Talk with
your agent to determine the right amount for you based on
your individual driving habits and financial situation.
Many factors can go into calculating your insurance rates,
including your age, driving record and history of making
claims. So can your credit history, which indicates how
quickly you will pay off a loan. Most states allow
insurance companies to use credit scores for setting rates
because people with higher scores tend to have fewer
accidents. That means they cost less for insurance
companies.
insurance covers
everything.
Comprehensive insurance
covers a lot, but it's
designed for things not
covered by other types of
insurance on your policy,
such as collision or
uninsured motorist. You'll need it for such things as fire,
weather events like hail and floods, or a collision with an
animal. In other words, it's for the damage done to your car
in an event other than a collision.

Learn More Here The truth of the matter

There are factors affecting your rates of which you might not be aware.
These include the safety features included on your car; when, where
Get the News! and how much your car is driven; and even where it is parked
overnight. You can also change the rate you are paying with such
things as a good-driver discount, a discount for carrying multiple
policies with the same company and, for teenage drivers, a discount for
or
being a good student.

The Bottom Line: It is always good to check with us to see

what discounts you might qualify for, and what factors you
D.F. DWYER LINKS: can control to change the price of your insurance premium.

FLOOD INSURANCE Call us at 401-846-9629;

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OPTIONS We'll Always Do Our Best for YOU!

VISIT OUR BLOG! Source: ©2018 Nationwide®

HOMEOWNERS
Sky Watch: July 2018
AUTOMOBILE
On 7/12 Mercury reaches its greatest
eastern elongation, look for the planet low
YACHT
in the western sky just after sunset. The
LIFE & HEALTH New Moon will be on 7/13 and the Full
Moon on 7/27 coincides with a total lunar
BUSINESS eclipse, however it will not be visible to us
in North America. Also on 7/27, Mars will
EVENTS be at its closet approach to Earth and its face will be fully illuminated
by the Sun. It will be brighter than any other time of the year and will
NON-PROFITS be visible all night long. This is the best time to view and photograph
Mars. The Delta Aquarids meteor shower can produce up to 20 meteors
FARM per hour at its peak, this year on 7/28 and 7/29.
HISTORY

1962 NEWPORT
& BEYOND

DF Dwyer & Associates | Munchinger-King Building | 38 Bellevue Avenue | Newport | RI | 02840

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