It happens every year. The weather gets warmer, more people use outdoor grills – and incidents of grill-caused fires go up. Each year, outdoor grilling causes an average of 8,900 home fires, according to the National Fire Protection Association.
Gas grills cause more home fires than charcoal grills, the association adds. According to the Hearth, Patio & Barbecue Association, 61 percent of households own a gas grill, 41 percent own a charcoal grill and 10 percent own an electric grill.
Regardless of the type of grill you own, here are 9 BBQ safety tips that will keep you and your home safe for barbecuing season:
1. Grill outside and away from any structures
Charcoal and gas grills are designed for outdoor use only. However, NFPA reports that more than one-quarter (27 percent) of home fires started by outdoor grills began in a courtyard, terrace or patio, and 29 percent started on an exterior balcony or open porch. Pay attention to overhanging tree branches when you set up your grill.
2. Make sure your grill is stable
Only set up your grill on a flat surface and make sure the grill can’t be tipped over. Consider using a grill pad or splatter mat underneath your grill to protect your deck or patio.
3. Keep your grill cleanRemove grease or fat buildup from both the grill and the tray below the grill. If you are using a charcoal grill, allow the coals to completely cool off before disposing of them in a metal container.
4. Check for propane leaks on your gas grill
Before the season’s first barbecue, check the gas tank hose for leaks by applying a light soap and water solution to the hose and then turning on the gas. If there is a propane leak, the solution will bubble. Other signs of a propane leak include the smell of gas near the barbecue or a flame that won’t light.
5. If the flame goes out, wait to re-light
If you are using a gas grill and the flame goes out, turn the grill and the gas off, then wait at least five minutes to re-light it.
6. Take care around the grill
Never leave a lit grill unattended. Don’t allow kids or pets to play near the grill. Never try to move a lit or hot grill, and remember the grill will stay hot for at least an hour after use.
7. Be careful with charcoal starter fluid
If you use a charcoal grill, only use charcoal starter fluid. If the fire starts to go out, don’t add any starter fluid or any other flammable liquids to the fire. Consider using a charcoal chimney starter, which uses newspaper to start the fire instead of starter fluid.
8. Wear the right clothing
Clothing can easily catch fire, so be sure your shirt tails, sleeves or apron strings don’t dangle over the grill.
9. Be ready to put out the fire
Have baking soda on hand to control a grease fire and a fire extinguisher nearby for other fires. If you don’t have a fire extinguisher, keep a bucket of sand next to the grill. Never use water to put out grease fire.
These easy-to-follow tips will help you and your family to enjoy a safe summer barbecuing season. For those grilling over an open fire, check out these fire pit do’s and don’ts to keep you and your guests safe.
Building a fire pit can be as simple as circling stones in your backyard or as complex as a professionally built unit on your patio. Either way, keep safety in mind. Here are some fire pit safety tips from ThisOldHouse and HGTV:
DO: Build your fire pit on a level surface
Make sure the ground or surface is even to reduce the risk of fire escaping beyond your fire pit.
DO: Keep the fire at a safe distance
To keep your fire from causing damage, build the fire pit at least 10 feet from your home, fences, trees and the like.
DON’T: Use gasoline or lighter fluid
Never use gasoline or kerosene to start your fire; such fuels can cause a fire to get out of control quickly. Instead, use dry wood as kindling that doesn’t extend beyond the edge of the pit.
DO: Monitor guests around fire pits
Make sure guests maintain a proper distance and don’t exhibit risky behavior. Keep close tabs on children and pets.
DON’T: Build a fire pit with river stones
Smooth stones from river beds may have absorbed moisture over time and can heat rapidly and explode. Instead of river stones, build your fire pit with dry, rough stones.
DO: Check the weather report
Avoid using your fire pit on windy days, since flames or embers can spread to your home, yard and nearby trees.
DON’T: Leave a fire unattended
Even if your fire pit is small, flames can spread quickly if left unattended. Monitor at all times.
DO: Put your fire out safely
Once you extinguish your fire with water, gently stir and spread the ashes to cool. Leave only when they’re cool to the touch.
DO: Have an emergency plan
Keep a fire extinguisher, garden hose or bucket of sand close to douse the fire in case it gets out of hand. If you can’t put it out quickly, call 9-1-1.
These fire pit safety tips can help prevent unmanageable fires, injuries and more. If disaster does strike, home insurance can help you and your family when you need it most. Learn more about Sterling Peaks homeowners insurance coverage options today.
More than half (57%) of the respondents to a Nationwide Insurance survey said they know more about their favorite prime-time television show than they do about their insurance policy.
When asked to describe their insurance policy, consumers said it was too long (53%), complicated (43%), overwhelming (31%) and confusing (29%).
The survey also found:
Most insurance policyholders want a simple explanation of their policy with the details summarized on a single page.
Nationwide Insurance believes changes in insurance laws would make it easier for policies to be more simple and understandable. Such changes include:
Nationwide has already made changes to its products and services to simplify the insurance experience for its members, including:
The Simplification Study was conducted between February 22 and March 5, 2013. The respondents were comprised of 1,594 adults ages 18+ who currently own property and casualty insurance. Results are weighted as needed for age, sex, race/ethnicity, education, region and household income. Propensity score weighting was also used to adjust for respondents’ propensity to be online. Individuals for this research were selected from among those who have agreed to participate in Harris Interactive surveys. Because the sample is based on those who were invited to participate in the Harris Interactive online research panel, no estimates of theoretical sampling error can be calculated.
Nationwide commissioned the survey, which was conducted by Harris Interactive, who polled nearly 1,600 people who own property and casualty insurance.
Swinging a golf club is a complicated action, with dozens of moving parts and variables working together to hit a tiny ball really far. To simplify things, we illustrated a few important elements that affect your shot. So whether you’re a beginner looking for a guide, or a seasoned golfer who’d like to tweak your drive, this infographic is a good place to start.
This infographic visualizes the proper golf stance, proper golf grip and golf swing distances.
Grand Junction your golf shot is like your signature: uniquely your own, yet slightly different each time you pick up a pen or club. Both are affected by elements you control, such as how you grip your golf club and your muscle motion, as well as external factors like the golf club, golf ball, pen and paper.
The Key things to remember:The Proper Golf Stance:
Average Golf Club Distance Chart
Grand Junction knowing which golf club to use for a particular shot can be challenging. However, with a little estimation and the table below, you’ll be using the right club in no time. Here is the average golf club distance to help you the next time you hit the course.
Average Golf Club Distance (Yards)
Driver (Total) 258
Driver (Carry) 240
Pitching Wedge 121
Grand Junction the information in this graphic can be used to improve your game, or as a handy golf club distance chart that will help you learn when to use each type of golf club.
Grand Junction everything in business is negotiable, including suppliers’ fees. But how do you get suppliers to reconsider their prices? Here are some supplier negotiation tips that may help you get a more fair price.
1. Shop around
It is good to keep in mind that there is opportunity in shopping around. If several different suppliers are available, talk to a few of them and let them know what you are doing. Nobody wants to be edged out of a potentially profitable job by a competitor because they have set too hard a line on price. When you mention your next stop is with the local competition, you may suddenly find some wiggle room appears.
2. Consider inventory size
Before bargaining, you should consider how important this particular supplier is to your business. Is this someone you are relying on for only a small portion of your inventory? If so, getting the best deal is not as critical as with someone you are banking on for 80% of your supplies. But if this is going to be your sole supplier, it is more important than ever that you negotiate the best deal possible.
3. Come Prepared
Research what it costs your supplier to produce the product. That way you can make an educated guess as to how much negotiating room you have. You can, of course, ask suppliers directly for their prices.
4. Check their prices
Another place where you can get a solid idea of your suppliers’ numbers can be by going to their customers. If you ask them about their experience with the supplier, you may find they’re happy to divulge how much the supplier is charging them as well as how good the service has been. If there have been hiccups from a particular supplier, this may even give you additional leverage you can bring to bear in your negotiation.
5. Put more money down
The more you’re willing to deposit up front, the greater your bargaining power becomes. This eases suppliers’ fears that getting their fees from you will be a protracted battle. You become a plum client, giving you more negotiating heft.
Also, remember you can get suppliers to adjust their price based on the quality of the product, length of time until delivery and payment terms.
6. Be prepared to walk away
Be prepared to leave the negotiating table if you feel the supplier is giving you a raw deal. If you have a few other suppliers you can turn to in this situation, you will come across as more assured and are apt to get a better deal. If not, you will at least be in a position to nix the deal and walk away with a better deal from someone else.
Keep in mind that the best negotiations are ones where everyone walks away feeling as if they got something. In many cases, your dealings with the supplier will be ongoing, so remember this when closing the deal
For more in-depth information on how to handle a negotiation, check out these negotiation tips for small business success.
Starting and operating a small business requires a set of skills many business owners may not possess.
For instance, the owner of a music store might be an expert on guitars but have little knowledge of accounting, employee management or inventory control. He might not have the ability to effectively negotiate with landlords, suppliers or partners.
Negotiating skills are crucial for a small business owner. Negotiations are often perceived — and approached by some — as bare-knuckle, winner-take-all verbal boxing matches where the person across the table is an adversary. But the best negotiations are positive, win-win experiences where both parties feel their concerns are heard and each walks away with a good outcome. Such an exchange can help build long-term business relationships with vendors and clients and enhance potential business opportunities.
Stepping into a negotiation for first-time owners can be a daunting prospect. Just like learning new accounting methods or marketing techniques, however, negotiating skills can be acquired through instruction and practice. It’s an education that management experts highly recommend for new business owners.
Begin with training exercises
“It’s important for them to get some negotiation training,” says Holly Schroth, who teaches negotiation at the University of California, Berkeley, Haas School of Business. “The best type of training is when they can do role plays and exercises where they actually get feedback on their negotiation skills, so they can continue to build upon those skills and learn useful frameworks for negotiations.”
Do the necessary research
To be an effective negotiator, do your research and arm yourself with essential information, whether it’s market data or the other party’s financial numbers. Having the right information can help you form a strategy and set goals, while providing a sense of assurance in your ability. “The most important part of negotiation is preparation,” says Schroth. “Understanding how to prepare for negotiation will give business owners a lot of confidence in their negotiation and help them achieve the outcomes they want.”
If possible, study the preferences and past performance of the other party. This can provide insight into how they’ll react during the process, as well as the types of agreements they prefer. It can also allow you to tailor your own goals to a more realistic outcome, such as knowing the other side has never budged on a particular issue.
Be open and flexible
A mindset you should take into the deal-making process is flexibility. This means prioritizing your goals and identifying areas where you’re willing to compromise. “Business owners should be very flexible in how they achieve their goals,” says Schroth. “It’s great to have goals. But the real power is in your flexibility and how you want to achieve that, keeping in mind the other person’s constraints along the way.”
In fact, being too rigid with your expectations or scripting out the negotiation beforehand can lead to a negative outcome. “There really shouldn’t be a script in negotiations,” says Schroth. “You should have your goals and have your ideas for how you might achieve the goals, but it’s a very dynamic process.”
Focus on the process
Focusing on the process rather than the end goal can help avoid an impasse in negotiations. Nudging the negotiation into more of a discussion or brainstorming session can give the proceedings a positive air, with both parties looking to find a solution to a larger problem.
“You have to ask for the other person’s questions, and test the assumptions that you’ve made about what their interests are,” says Schroth. “It’s really about problem solving — sharing information to problem solve and reach mutually satisfactory agreements. You can’t script a negotiation, but you should have a plan A, B, C and D based on your preparation.”
For additional tips and information on negotiating strategies for small business owners, read How to Negotiate Better Business Deals from Harvard Business Review, and Strategies for Curbing Deception in Business Negotiations from Harvard Law School.
Grand Junction if you’re thinking of buying a townhouse or condominium, there are some important differences between the two that you should know about. To help you decide between a condo or townhouse, we’ve provided definitions and put together a comprehensive comparison to help you make an informed decision, before you buy.
Let’s start with condo and townhouse definitions.
What is a condominium?
A condominium, or condo, is a building or community of buildings in which units are owned by individuals, rather than a landlord.
What is a townhome?
A townhome is defined as conjoined units that are owned by individual tenants. They are architecturally similar to row houses in that owners usually share at least one or more walls.
Now that we have the definitions of townhomes and condos, let’s look at some of the factors you should consider when picking between the two. Below is a side by side comparison of townhouses and condos to help you make an informed decision.
Townhouse vs. Condo
Condo owners only own the interior of their unit. All other areas, including the building exterior, lawn and communal areas, are property of the Homeowners Association (HOA). In most townhome communities, owners own their unit’s interior and exterior, including the roof, lawn and driveway, but not the communal areas.
Condos come in many different styles. They may be part of a large high rise, a cul-de-sac of cottages or anything in between.
Townhomes are designed in rows, so tenants usually share at least one wall. It’s common for townhomes to have two or more stories.
Condominiums often have a community focus with a club house, pool, golf course and/or similar amenity.
Some townhouse communities offer the same types of amenities as condos, but others are more private.
Homeowners Association Fees
HOA fees for condos are typically higher than townhouses because they pay for exterior upkeep, such as lawn care, trash removal and pest control.
Townhouse owners pay lower monthly HOA fees because they pay for much of their own upkeep. Certain types of maintenance and trash removal are still handled by the HOA.
Home Insurance Rates
Home insurance rates are usually lower for condos because owners have to insure only the interior of their unit.
Townhouses may have higher home insurance rates, since most owners need insurance that covers both the exterior and interior.
Although condos come in many sizes and styles, they are generally smaller than townhomes.
Townhomes can be quite large and often feature multiple stories.
Condo owners often pay higher monthly maintenance fees, which go toward exterior and community space repairs.As with HOA fees, townhome owners typically have lower monthly maintenance fees, but pay more out of pocket for exterior and interior care.
Depending on the style, condos could be private, individual homes or apartment-style units.
Townhomes share one to two walls with neighboring units, but don’t have units above or below them.
If you’re also considering co-ops, take our Condo vs. Co-op quiz and see which is right for you. And when it comes to deciding on location, take a look at our latest health of housing markets report to find out which U.S. metro areas are healthiest.
And remember, whether you choose a condo or a townhouse, Sterling Peaks Insurance has you covered. Learn more about insurance options for condos and townhomes today.
Spring has arrived – which means it’s time to get your home in shipshape. Check out the creative spring cleaning tips and tricks below to make your house sparkle with the least amount of elbow grease.
1. Remove water stains with lemon halves.
Make faucets sparkly clean by rubbing a lemon half on the stains. The citric acid helps remove hard water marks.
2. Organize your fridge and cabinets with rotating turntables.
Rotating turntables and Lazy Susans don’t have to be limited to your tabletops. After discarding old condiments and spices, organize your pantries and refrigerator with this useful storage hack.
3. Use coffee filters to clean screens.
Does your TV screen or computer monitor show fingerprints, smudges and dust? The fiber in coffee filters may be gentle enough to rub them away.
4. Clean dirty keyboards with cotton swabs.
Cotton swabs can clean more than just your ears. Use them to sweep the dust and grime lodged between the keys on your computer keyboard.
5. Cover your showerhead with a plastic bag containing white vinegar to remove buildup.
Mineral deposits accumulate in showerheads over time, causing reduced pressure and water flow. Fill a plastic bag with white vinegar, secure it over the showerhead with a rubber band and leave it overnight to get rid of buildup.
6. Use a butter knife to clean air vents.
Don’t let that dust build up for another minute. Use a butter knife for easy access. Simply wrap the knife in a rag and wipe between the crevices of the vent.
7. Unpack and stack your spring/summer clothes vertically.
Are your dresser drawers a mess? Instead of putting away folded clothes flat, stack them vertically for easy access.
8. Use cream of tartar to clean toasters and tea kettles.
Combine 1 tsp of cream of tartar with just enough water to create a milky paste. Rub the solution onto your stainless steel appliances and wipe away to reveal their original shine.
9. Clean stainless steel sinks with baking soda.
Simply wet your sink and faucet, sprinkle baking soda, and scrub with a sponge. If you need more heavy-duty scrubbing power, add salt to the baking soda.
10. Wrap a towel over a broom to clean hard-to-reach places.
Cobwebs and dust can collect in room corners and on ceiling fans. Brush them away by securing a towel over the bristle end of a broom with a large rubber band. The dust and cobwebs stick to the cloth.
11. Use a window squeegee to scrape pet hair from your carpet or rug.
12. Use Velcro strips to keep drawer organizers in place.
Attach the grippy strips to one end of your drawer and the other to your drawer organizers. This keeps them in place, but lets you remove the organizer when needed.
13. Know your couch or rug before cleaning it.
Don’t ruin your upholstered furniture by using the wrong cleaner. Not all manufacturer labels state what type of solvent to use. Familiarize yourself with the cleaning codes below.
Upholstery Cleaning Labels:
W: Use water-based cleaning solutions.
S: Use dry-cleaning solvents. Do not saturate. Do not use water.
S-W: Use water-based cleaners or dry-cleaning solvents.
X: Use a vacuum or brush only.
14. Clean your grill with an onion.
Get your grill cleaned up and ready for the warm weather. First, heat it up and spray some white vinegar onto the grates to help loosen the residue. Then, scrub the area firmly using half an onion. The acid from the onion will rid your grill of any leftover remnants.
15. Use newspaper to clean dirty windows and mirrors.
Mix ¼ cup of white vinegar, 2 cups of water and 2 teaspoons of liquid soap into a spray bottle. Spray the mixture onto the glass and scrub with newspaper for a streak-free window or mirror. The ink acts as a mild abrasive and allows you to make use of old newspapers.
16. Place clean towels under furniture to avoid scratching hardwood and tile floors.
Looking to freshen up your home by rearranging furniture? Slide things around easily without damaging floors by placing folded, clean towels under each end of the furniture.
17. Soak a dryer sheet in water and place on your ceramic stovetop to remove gunk.
Dryer sheets are non-abrasive and a great way to remove burnt-on food from your stove. Place the wet dryer sheet on your stovetop at least 15 minutes before rubbing the gunk away.
18. Use a dustpan to help fill a large mop bucket.
Not all mop buckets fit in bathtubs. If yours is too large, try using a dustpan as a spout by placing it flat on your sink to transfer water to the bucket. This handy hack is also helpful for other large containers you want to fill.
19. Clean your microwave by heating lemon juice and rinds in water.
Cut a lemon into halves, squeeze the juice into 1/2 cup of water and drop the rinds into the mixture. Microwave for 3 minutes and let it stand for 5 without opening the door. The trapped steam will loosen the grime, so you can wipe the microwave clean.
20. Recycle old socks to use as dusting mitts.
According to the U.S. Department of Transportation’s definitive Hurt Report on the causes of motorcycle accidents, two-thirds of motorcycle accidents are caused by drivers of other vehicles violating the motorcycle’s right-of-way. In fact, the failure of motorists to detect and recognize motorcycles is the predominant cause of motorcycle accidents.
It’s difficult to spot motorcyclists
Grand Junction as vigilant as drivers try to be, there’s an actual scientific reason they may not see a motorcycle. Human vision is limited, in that it can’t detect small objects moving at high speeds in the same way other animals, such as eagles or hawks, can. This means a motorcycle approaching from a distance takes up a very small portion of the car driver’s vision. If it’s moving fast, the driver may not register the bike before it seems to suddenly pop up.
“The obvious answer is that we as motorcyclists are smaller,” says Jay Jackson, director of motorcycle safety for the Motorcycle Riders Foundation in Washington D.C. “It’s easier for us to be hidden by things, and it makes it harder for drivers to judge speeds. We’ve got less surface area and are less reflective.”
To make his point, Jackson notes that if you hold a finger or pencil a foot in front of your face, a motorcycle 100 feet away can be completely hidden behind it.
So what can motorcyclists do to increase their visibility on the road? These motorcycle safety tips can help you stay visible and avoid crashes.
Wear bright colors
“As a motorcyclist you have to be cognizant of the traffic around you,” says Jackson. “You want to be conspicuous and stand out, as by wearing bright clothing.” Being noticeable is the reason motorcycles made in the U.S. have been required to have always-on headlights since 1980, according to Jackson.
While bright colors may lower the chance of an accident, they won’t protect you if the worst happens. Click here to learn about must-have motorcycle safety equipment.
Be aware of your surroundings
Grand Junction at the same time, increasing your visibility by wearing white helmets and reflective clothing is just step one in a safe riding regimen. “One of the problems I see is that riders get into the mindset of a false sense of security that they’ll be seen,” says Dominic Schreiber, an expert motorcycle rider instructor with Shiny Side Up in Southern California. As a rider, “you have to be aware of your surroundings, be aware of traffic, and constantly reposition yourself for your own escape routes and time to react to situations,” Schreiber says.
Where you should be on the road
Motorcyclists have a lot of room to maneuver on the road. But by viewing the lane as three separate sections, the most visible and safest for a rider is the leftmost side near the dotted line. It’s where you’re less likely to be hidden in a driver’s blind spot. “I see riders in areas of the roadway or in areas of traffic where not only can they not be seen very well but they can’t see into side streets, all because they’re riding too close to the side of the road,” says Schreiber. Proper positioning allows a rider to better see hazards and react to them, he adds.
For some riders, the thrill of riding often means an open throttle. Grand Junction speed is a major factor in not being seen. Many car drivers have been startled by the zoom of a motorcycle rushing past without ever seeing it approach. “I’m just going to assume that [drivers] won’t see me,” says Jackson. “Reduce your speed and make sure you’re in the best position to see and be seen. Have your fingers touching the brake in case you have to respond quickly.”
Signal your intentions
Grand Junction it may seem obvious, but signaling your intentions can increase your visibility to drivers. Whether that means signaling a lane change on a multi-lane freeway or turning down a side street in a residential neighborhood, a blinking indicator can make you more noticeable and it can alert drivers to your intentions.
No car driver wants to be involved in a motorcycle accident. So the best advice for drivers is to always remain aware of the road around them and check twice for fast-moving and hard-to-see motorcycles. Still, Jackson and Schreiber agree, the responsibility for motorcycle safety is on the rider.
“A car driver has lots of distractions with the stereo [or] passengers that just make it harder,” says Schreiber. “When someone’s driving a car they’re comfortable with what’s going on around them, and you need to ride accordingly. The fact of the matter is the motorcycle has the most to lose in those situations.”
Even if you do everything right as a rider, accidents can happen. Learn how Sterling Peaks Insurance can help keep you protected.
Teenagers are often encouraged to take a safe driving course to improve their skills early on, but every driver regardless of age can benefit from a safety course.
In 2014, more than 2 million people were injured in motor vehicle accidents, according to the National Highway Traffic Safety Administration. While that is a slight decrease from the year previous, experts predict to see an increase in fatalities in 2015.
One of the main reasons to take a safe driving course is accident prevention, but there are additional reasons to take a class. Here are four advantages to taking a safe driving course:
Learn tips from qualified drivers
Grand Junction driving is usually a skill that’s passed down from one generation to another. Through the years there’s no telling how many bad habits are picked up and taught to young drivers.
“Teenagers might take a class in school that teaches driving skills, but many times the most influential teacher is a parent,” says Bill Wade, the national program director for safe driving course, Tire Rack Street Survival.
“Most parents don’t have any formal training, they just show their kids what they do, and it’s not always right,” he said. By taking a class, drivers learn skills from qualified drivers.
Obtain safety skills that go beyond the basics
Most Grand Junction drivers learn the basics behind the wheel. Drivers learn how to obey traffic signs, how to operate the car and how to maneuver it on the road.
“Every driver needs to learn the basics, but a safe driving course can add to those entry-level skills,” Wade explains.
For example, it’s a good idea to spend time teaching drivers how to recover the car in bad situations.
“If drivers aren’t taught how to handle the car when it slides into a skid from icy road conditions, or what to do when the brakes lock up, they just react,” Wade says. “Every driver, no matter their age, should practice how to respond to these kinds of situations.”
Learn to remove or handle distractions
In Grand Junction every driver likes to think he or she is a safe driver, but with wireless phones ringing, navigation systems chirping instructions and radios taking music requests, it’s not hard to get distracted while driving.
“Distracted driving is usually associated with teens and their cell phones, but distractions come in many forms these days,” Wade says. “Texting teens aren’t the only problem.”
Every driver should learn how to remove or handle distractions. This is best taught through a safe driving course, Wade says.
Rules change over time
In Grand Junction some drivers were taught to think of the steering wheel like a clock, and keep their hands at 10 and 2 for safe driving. With the advances in air bags and changes in steering technology, the correct position is now 9 and 3.
Rules like this change over time, which is why taking a safe driving course is important. Students receive the most accurate, up-to-date information.
“I can’t tell you how many parents listen in during our class instruction and come up to me at the end of the course and say, ‘I had no idea that changed,’ or ‘I’ve been doing this wrong the whole time,’” Wade says. “It just goes to show that a safe driving course is valuable at any age.”
Another benefit of taking certain safe driving courses are potential insurance discounts. Find out how taking a class can save you money on car insurance with Sterling Peaks Insurance Defensive Driving Discount.
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