Optional insurance coverage for auto rentals – Should you buy it?

submitted by Howard Nenner, CIC, Crossing Insurance Group, www.crossinginsurance.com

If you have ever rented a car you are presented with the option to buy insurance coverage. Most people reject this coverage, but should you? If you have Full Coverage (Comprehensive & Collision) on your personal auto policy most insurance companies extend that coverage to car rentals, so you may ask why buy their optional coverage?

When there is a loss, the rental company places an immediate charge against your credit card so your available balance is immediately impacted and might even be maxed out (tip: use a card with a low credit limit when renting).

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What to do if you develop a dental problem while traveling

submitted by Dr. Joseph R. Philip DDS, Sterling Dental and Podiatry, Washington Crossing, PA

What should you do if you are traveling for the holidays and develop a dental problem, unable to see your dentist until you return home?

If your doctor back home can’t be reached, try the following suggestions:

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Good oral hygiene can prevent gum and cardiovascular disease

submitted by Dr. Joseph R. Philip DDS, Sterling Dental and Podiatry, Washington Crossing

Research from both the American Medical Association and the American Dental Association suggest that people with severe gum and periodontal disease may be more likely to also have cardiovascular disease.

Bacterial infection in the mouth causes gum disease. When a person’s body reacts to this infection, the gums and supporting structures of the mouth become inflamed. They may ooze and bleed and can cause the teeth to become loose.

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Now is the perfect time for a dental exam for your children

submitted by Dr. Joseph R. Philip, DDS, Sterling Dental and Podiatry, Washington Crossing, PA

Every child, teen, and those in between wants to look their best as they head back to the classroom this August/September. New wardrobes or uniforms are purchased, hair is freshly cut and styled, and often physician appointments for their annual medical check-ups are scheduled.

BUT many parents overlook scheduling a dental cleaning and exam to help maintain one of their kids most visible feature: their smile. That is, unless their school gave them a form verifying that they have been seen by their dentist and any necessary treatment has been done.

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Divorce Q & A

submitted by Carla V. Risoldi, LLC, risoldilawoffices.com

Q. My ex-husband pays support through the courts for our two minor children.  He became unemployed and now his unemployment benefits are ending.  What does this mean for our ability to receive support?

A. Generally speaking, child support calculations in both Pennsylvania and New Jersey will start with a determination of the incomes or earning potentials of the parents.  When your ex-husband was employed, assuming he was employed to his full earning potential, they most likely put him at his actual earnings.

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Getting the most from your garden…in deer country

submitted by Kelly Thompson, Master Gardener, and Dan Piestor, Owner, Seasons Garden Center

Let’s be honest. Many of us can fill in the blanks when we discover that a bleeping deer has dined on our precious landscape plants. We come home to sit in the garden or look at our flowers and see the #$%@*&^ damage.

We’re disheartened, angry, and maybe we even say things we don’t mean (wink wink).

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Taking care of your wood flooring during the summer (Part 3 of 3)

submitted by MaryAnne Applegate, Co-Owner of Applegate Wood Floors

During the summer, even the most carefully installed wood floors tend to expand and sometimes cup or even buckle. These events occur because of wood’s relationship with moisture in the air.

Air with a high moisture content (MC) or high relative humidity (RH) cause wood to gain moisture.

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Current trends of hardwood floors (Part 2 of 3)

submitted by MaryAnne Applegate, Co-Owner of Applegate Wood Floors

There’s no doubt that color and finishes are critical to the success of any interior space, including the hardwood floor. Research shows that approximately 85% of purchases are based on color. The hardwood floor has evolved into the interior’s blank canvas opening a whole world of design possibilities for a beautiful, healthy and eco-friendly living environment.

There is a welcome trend toward healthy flooring and the players are lining up.

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Getting the most from your garden in early spring

submitted by Kelly Thompson, Certified Master Gardener, Seasons Garden Center

Spring has sprung and the fever has set in, so let’s get in our gardens and bring the harvest back to the table. We can begin with easy-to-grow vegetables and cold-tolerant annuals.

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Criminal offense Q&A

submitted by Carla V. Risoldi, LLC, risoldilawoffices.com

Q:  I was convicted of a summary offense 10 years ago. When I went to apply for a job, they said that this came up in a background check. Is there anything I can do to get this off of my record?

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