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5 Tax-Efficient Strategies to Include in a Holistic Financial Plan
March 8, 2023

5 Tax-Efficient Strategies to Include in a Holistic Financial Plan

/ News /

(State Point) As consumers focus on filing taxes and spending returns, a new study reveals a need for increased awareness around tax-efficient financial strategies. Lincoln Financial Group’s Consumer Sentiment Tracker reports that only 2% of Americans can correctly identify financial solutions with tax advantages, despite one in three saying they prioritize investments that would help them pay less in taxes either now or in the future.

“Lincoln’s research shows consumers are under-educated about tax strategy and tax-efficient investments, revealing a disconnect between aspirations and actions,” said David Berkowitz, president, Lincoln Financial Network, the wealth management arm of Lincoln Financial Group, which provides advice and guidance through its network of independent financial professionals. “Consulting a financial professional and learning more about products and solutions can grow one’s confidence in their financial decisions.”

While not intended to be legal or tax advice, Lincoln Financial Group recommends considering the following five tax-efficient strategies as part of a holistic financial plan:

1. Contribute to a workplace retirement account. Pretax contributions to an employer-sponsored retirement savings plan will reduce total taxable income and allow savings to grow tax deferred. A good rule of thumb is to save at least 10% to 15% of your pay, but if that feels out of reach, start wherever possible and increase contributions a little each year to see big changes in total savings over time. Remember to save up to the employer match, if one is offered.

2. Explore the value of lifetime income. At a time when people are living longer and face greater risks to their savings, an annuity can provide protected guaranteed monthly income that can last a lifetime. Taxes on the gains aren’t paid until the money is withdrawn, so interest can be earned on the money that would have otherwise been paid in taxes. Being in a lower tax bracket during retirement means potentially paying less in taxes overall on the same amount of money. A financial professional can help determine which type of annuity might best fit your specific needs.

3. Prepare for unexpected long-term care costs. The greatest changes to income and lifestyle may result from an unexpected long-term health care event. Different solutions can help provide a cushion, and many of these benefits are income tax-free. Understanding the various policies is the first step in helping ensure you’ll receive needed care without passing a financial burden on to family or loved ones.

4. Diversify a portfolio with life insurance. Adding cash value life insurance to a larger financial plan can help protect savings and provide an income tax-free death benefit for your beneficiaries, as well as tax-deferred growth opportunities. It can also offer advantages that help meet goals at every stage of life, including funding a child’s education costs; strengthening retirement savings; creating additional cash flow; and protecting wealth for future generations. Keep in mind that if loans or withdrawals are taken from the policy, it will reduce the value of the death benefit and other payouts, as well as have potential tax consequences.

5. Work with a financial professional. According to Lincoln’s study, just 1 in 5 U.S. adults feels very confident about making financial decisions to minimize exposure to taxes, yet 47% say they are more concerned about the impact of taxes on their retirement savings due to the current market. A financial professional can help tailor a holistic plan to your needs, as well as provide education about various insurance and retirement solutions.

“Ongoing challenges like market volatility, inflation and changing tax laws have the potential to hit wallets hard,” said Berkowitz. “That’s why tax-efficient investing is an important aspect of financial planning that can help you build wealth and achieve your financial goals.”

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Hummel & Plum Insurance Agency can help you re-evaluate your insurance needs, just give us a call at 740-477-3311 to speak with one of our agents or contact us here.
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PHOTO SOURCE: (c) PeopleImages / iStock via Getty Images Plus

Top 5 Smartphone features you can’t live without
February 22, 2023

Top 5 Smartphone features you can’t live without

/ News /

(StatePoint) Smartphones are our lifeline – we use them to connect us to just about everything and everyone in our world. Americans check their phones an average of 344 times a day — once every four minutes — according to a 2022 Review.org survey. But when was the last time you upgraded your phone? If it’s been more than two years, you may be missing out on some of the latest tech upgrades. Here are five must-have features to consider when shopping for a new smartphone:

• Battery Life: When it comes to battery life, you may not realize what you’ve been missing out on until you start using your new phone. A decade ago, smartphone battery capacity ranged from 1560mAh to 3200mAh, according to findings from Android Authority. Today, that capacity typically ranges from 4000mAh to 5000mAh, with some batteries as large as 6000mAh. And, the latest development of USB-C ports has allowed for faster charging capabilities, charging a near dead phone in just 30 minutes. Look for phones with fast charging technology, from 15W to 20W, and wireless charging options.

• Phone Storage: Storage matters, especially if you’re a business owner, gaming enthusiast or social media influencer. Read-Only Memory (ROM), the internal main storage on your phone, allows you to store media, files and games, and ranges anywhere from 64GB to 128GB, even 256GB and higher in some of the latest models. Random Access Memory (RAM) is used for short-term data like apps, photos and videos. The more RAM you have, the more multitasking you can do. When purchasing a new phone, look for at least 6GB to 8GB of RAM and 128GB of ROM.

• Camera: Phones have nearly replaced traditional cameras, with 90% of people using only their smartphones to take photos versus digital cameras, according to 3D Insider. If you’re an avid photo taker, make sure your new phone features editing software, a variety of camera lenses, like ultra-wide and telephoto, and special functions like night mode to optimize lighting.

• Network: How you stay connected is an important decision. The latest deals can help you select a phone and wireless provider. For example, Samsung just unveiled its latest Galaxy S23 lineup, and T-Mobile is the only provider that can light up 5G standalone three-carrier aggregation, unleashing faster speeds and better responsiveness for some of the newest 5G smartphones – 16% faster speeds on average than phones without it. And switching to what studies have shown is America’s largest, fastest and most reliable 5G network comes with perks. New customers can get $200 off via a virtual prepaid card (allow 8 weeks) for each line they switch to T-Mobile ­– that’s $800 off for a family of four. And paired with T-Mobile’s offer to save $800 on the new Samsung Galaxy S23 lineup via bill credits when they choose the Magenta Max plan, that family gets four new phones and saves a total of $4000. To learn more about Samsung’s latest Galaxy S23 Series lineup, visit www.t-mobile.com/cell-phones/brand/samsung.

• Security: Gone are the days of remembering a PIN or typing in a password to safely access your phone’s data. Biometric security features like fingerprint, facial or voice recognition are crucial for keeping your private data secure. Most new smartphones feature in-display fingerprint screening and facial recognition, and more institutions like online banking apps are using this method now over passwords.

Other important deciding factors include overall phone display, size and water resistance. Priorities may vary from person to person, but selecting what’s important for your new smartphone is something only you can determine.

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Hummel & Plum Insurance Agency can help you re-evaluate your insurance needs, just give us a call at 740-477-3311 to speak with one of our agents or contact us here.
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PHOTO SOURCE: (c) Marina Demidiuk / iStock via Getty Images Plus

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September 9, 2022

6 Tips on Getting to Work on Two Wheels

/ News /

Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of calories burned.

Maybe you’re a bicycle commuter already — or maybe you want to give it a try. These tips from the League of American Bicyclists and other organizations will help you prepare for the challenges you’ll face on your way to work. (We’ve included a few tips for drivers, too.)

  1. Be prepared. Always check your bike and other equipment before you leave on each trip. Also carry the proper tools and gear (including wet-weather clothing, if needed).
  2. Obey the law, traffic signals and signs. You have a right to be on the road with cars, but you also have the same duties.
  3. Stay right. Ride with the flow of traffic in the right lane. Leave room to make emergency maneuvers.
  4. Be visible. Drivers are often distracted, and many aren’t expecting to see cyclists on the road. So make them see you! Stay out of blind spots. Wear bright-colored clothing during the day, with reflective clothing and lights at night or in inclement weather. Also use hand signals so motorists know your intentions.
  5. Consider the conditions. Riding can be miserable when it’s wet, unless you have waterproof rain gear. Watch out for slick roads, too.
  6. Be hyper-aware. Scan your surroundings constantly so you can react quickly. Pay attention to cars parked alongside the curb; a door can fly open at any moment.

Bonus tips for drivers: Stay on the lookout for cyclists. When you see them, be patient — they have a right to the road, too. If you park on the street, check behind you before opening doors. And, always remember that your significant size and speed advantage can be deadly in an accident.

Cars and bicycles can, in fact, peacefully coexist on the roads. All it takes is a little preparation and a lot of awareness, along with some understanding thrown in for good measure.

If you’re biking to work, we may be able to help you get a special discount on your car insurance for driving your vehicle less. Call 740-477-3311 today for details!

Hummel & Plum Insurance Agency can help you re-evaluate your insurance needs, just give us a call at 740-477-3311 to speak with one of our agents or contact us here.

Content provided by Safeco Insurance

Image by Pexels

car-2942982_1280
August 25, 2022

Bad Driving Habits

/ News /

5 Questions to Ask Yourself About Your Driving Habits

Even if you’re a good driver, you might be costing yourself extra money every time you get behind the wheel in Central Ohio. How? By doing things that can increase wear and tear on your car — even things that seem perfectly normal.

You may not even realize you’re doing them (most habits are unconscious behaviors), but these driving behaviors may be at least partially to blame for your frequent repair shop visits. So, help keep your car in better shape by asking yourself a few questions about your driving:

  1. Is my gas light always on? Regularly driving on a nearly empty tank can increase wear on your car’s fuel pump. It’s best to keep your fuel level at a quarter-tank or above.
  2. Do I shift too quickly? Shifting your car into drive while you’re still rolling backward is one sure way to increase stress on your car’s transmission. Always stop before shifting.
  3. Am I always on the brakes? Maybe you aren’t leaving enough following distance between you and other cars. And, when you’re going down a steep grade, consider shifting into a lower gear. That can help you slow down more naturally, without putting unnecessary wear on your brakes.
  4. Is my car usually packed with stuff? Additional weight means additional stress on many different parts of your car, including your transmission, your brakes and your suspension. So, unless you really need it, don’t pack it.
  5. Do I have a lead foot? Putting your foot to the floor might be exhilarating for you, but it’s not so great for your car — especially if it’s still cold and oil hasn’t reached all the different parts of the engine yet. It can wear out your tires more quickly, as well.

If these behaviors fit your driving patterns to a T, it’s time to form new habits behind the wheel. Ones that won’t take a toll on both your car and your bank account over time. And, that’s something both you and your vehicle can be happy about!

Hummel & Plum Insurance Agency can help you re-evaluate your insurance needs, just give us a call at 740-477-3311 to speak with one of our agents or contact us here.

Content provided by Safeco Insurance

Image by freestocks-photos

What Car Drivers Need to Know About Motorcycles
July 4, 2022

What Car Drivers Need to Know About Motorcycles

/ News /

Spring is here, which means you’ll likely see more motorcycles on the road. And the key word here is “see.” People driving cars and trucks often fail to notice the motorcyclists around them, partly because they’re not accustomed to looking for them.

It’s obvious yet bears repeating: Motorcyclists are much more vulnerable than car and truck drivers and passengers. Not only are there many more cars and trucks on the road, but there’s no such thing as a “fender bender” for a motorcyclist. Even a low-speed collision can seriously injure a rider, not to mention total the bike, so it’s important to always give motorcycles extra space and an extra look.

Below are six tips to help you safely share the road with motorcyclists.

Objects in mirror. The object in your mirror may be closer than it appears — especially if it’s a motorcycle. Due to its size, it can be harder to determine how close a motorcycle is and how fast it’s moving. When turning into traffic, always estimate a bike to be closer than it appears to avoid forcing a rider to quickly hit the brakes — or worse.

Watch those left turns. One of the most common motorcycle accidents involves a car making a left turn directly in front of a bike at an intersection. Give yourself an extra moment to look specifically for motorcycles coming toward you when turning into traffic.

Double-check your blind spot. Carefully checking your blind spot before changing lanes is always a good idea. When it comes to motorcycles, it’s critical. A bike can be easily obscured in the blind spot, hidden behind your car’s roof pillars, or blend in with cars in other lanes, so make a habit of checking carefully before changing lanes. Plus, always use your turn signal.

Don’t tailgate. This is another general rule for all drivers, but it’s especially important when following a motorcycle. Be aware that many riders decrease speed by downshifting or easing off the throttle, so you won’t see any brake lights even though they are slowing down. Following at least three seconds behind the bike should give you enough time and space to safely slow down or stop when necessary.

Stay in your lane. Obviously, motorcycles don’t take up an entire lane the way cars or trucks do. But that doesn’t mean you can cozy up and share a lane with a bike. Just because the rider may be hugging one side of the lane doesn’t mean you can move into that space. Riders are likely doing this to avoid debris, oil on the road, or a pothole, so a bit of mild swerving within the lane can be expected. Do not crowd into the lane with a bike.

Think about motorcycles. Making a habit of always checking for bikes when you drive will make the above tips second nature and make you a better driver. To personalize it, think about your friends and family members who ride bikes and then drive as if they are on the road with you. Motorcyclists — and everyone else — will thank you.

Contact Us!

Hummel & Plum Insurance Agency can help you re-evaluate your insurance needs, just give us a call at 740-477-3311 to speak with one of our agents or contact us here.

Content provided by Safeco Insurance

Photo by Andrei Ianovskii

Protecting Your Home: Understanding Your Home Insurance Policy
June 18, 2022

Protecting Your Home: Understanding Your Home Insurance Policy

/ News /

As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more ways than you may think, helping you rebuild your home or repair damage that results from a covered loss.

But, that’s not all. It can also help cover the costs of a lawsuit, help you pay for somewhere else to live when your home is uninhabitable and much more.

Home insurance is typically very comprehensive, but all policies have exclusions and coverage limits. It’s vital to know what those are so you know what’s covered and what’s not. Fire damage? Typically covered. Flood damage? Typically not.

With this guide, you can begin to understand what a typical home insurance policy covers. Just keep in mind that coverage varies from carrier to carrier, region to region and even policy to policy. Only your individual home policy can tell you the coverage you have and that which you don’t. For an even better understanding of your home policy coverage, review it with one of our Hummel & Plum Insurance Agency agents.

What Home Insurance Covers – The typical homeowners insurance policy has six types of coverage. They are commonly known as:

  • Coverage A: Dwelling, for damage to your house that occurs due to covered losses, such as a fire. Following a covered loss, dwelling coverage helps you repair or rebuild your home, including the structures, such as a garage or a deck, attached to it.
  • Coverage B: Other Structures, for damage to other buildings or structures on your property that result from a covered loss, such as a tornado. This may include a detached garage, a barn or a fence.
  • Coverage C: Personal Property, for damage to or loss, including theft, of your personal belongings and possessions, such as jewelry, furniture, guns and other valuables. If you experience a covered loss, this coverage will help you replace items up to the defined dollar limit in your policy. In certain instances, your belongings may be worth more than the typical home insurance policy covers. In this case, you may be able to purchase additional coverage through a process known as “scheduling valuables.” To help expedite a personal property claim, it helps to keep an updated home inventory of your belongings.
  • Coverage D: Additional Living Expenses, for costs incurred, up to your set policy limit, due to “loss of use” of your home, meaning your home has been damaged to the extent that you cannot live in it and you need to live elsewhere. This coverage helps you handle the costs of your temporary housing and related expenses.
  • Coverage E: Personal Liability, for damage to other people’s property for which you are responsible. This coverage may also help you handle legal costs and liability judgments resulting from a lawsuit, up to the defined dollar amounts outlined in your policy.
  • Coverage F: Medical Payments to Others, for bodily injuries to other people, such as a houseguest, that occur in your home or on your property. Like personal liability coverage, this coverage helps with the costs of a lawsuit or legal decision, up to your defined policy limits.

Remember that, despite having all of these different types of coverage, you’re only covered up to the dollar amounts that you select and only for covered losses, as outlined in your policy. Typically, you can change these policy limits at any time if you’d like to purchase more coverage. This is a good idea if, for example, you’ve recently added on to your home, acquired some pricey personal belongings or made other updates to your property. If needed, you can also reduce your coverage, though always ensure you are adequately protected.

What Home Insurance Doesn’t Cover

It’s just as important to know what your homeowners insurance doesn’t cover as it is to know what your home policy does cover. For starters, your policy does not cover any damage or repairs costing less than your deductible. It also does not cover any costs that exceed the coverage limits outlined in your policy. You are solely responsible for excess costs, unless you have an umbrella policy to provide additional liability coverage for a covered loss.

More than likely, your policy also does not cover routine maintenance and repairs, as well as damage due to animals, termites, floods, earthquakes, sinkholes, sewer backups, and other incidents. These are often considered non-covered losses. If you experience a non-covered loss, as outlined by your policy, you will be responsible for the costs.

What Home Insurance May Cover

Outside of the typical home insurance coverage, optional or separate coverage may be available from your carrier or from a different carrier. For example, you may be able to purchase earthquake or flood coverage separate from your homeowners policy.

Other coverage options are add-ons to your existing homeowners insurance. These can include identity protection and equipment breakdown coverage, which covers the cost to repair or replace a range of appliances and other equipment, such as pool equipment, in your home. If this sounds similar to an extended appliance warranty, it is. The difference is that you can insure an array of appliances at once through this optional coverage rather than purchasing a separate warranty for each one.

This guide is a starting point for understanding your home insurance policy. Your own policy may vary greatly from the descriptions above depending on the state where you live, your carrier, and the coverage you have selected. So take a close look at your policy by reviewing your documents or viewing your coverage online. Or, even better, sit down with one of our insurance agents who can explain your coverage in detail, as well as discuss whether your policy provides adequate protection for your home, property, and belongings.

Contact Us!

Hummel & Plum Insurance Agency can help you re-evaluate your insurance needs, just give us a call at 740-477-3311 to speak with one of our agents or contact us here.

Content provided by Safeco Insurance

Photo by Tierra Mallorca

3 Essential Smartphone Travel Tips
May 12, 2022

3 Essential Smartphone Travel Tips

/ News /

Nobody – young and old alike – goes anywhere without their smartphone anymore. And, why would you? With your phone in hand, you have instant access to maps, flight details, restaurant reviews, a camera and other essential travel tools.

But, there’s more to traveling with your device than simply slipping it in your pocket and hitting the road. Do you know what to do if it’s lost or stolen? What if you forget your charger at home? And, how do you use your phone without annoying those around you?

With peak summer travel season just around the corner, these tips can help:

1. Power up: A smartphone is only a great travel tool if it has power, so plug in while you sleep every night. If you forget your charger, check with your hotel — they may have one another guest left behind. Battery always running low? Get a power pack or add-on battery so you can charge without an outlet.

2. Lock up: A simple passcode can make a big difference when it comes to protecting the personal data on your phone. And, you might want to consider software that can help you locate your phone using GPS. Many programs allow you to control and/or wipe data from your phone remotely if it is lost or stolen. And, since we’re talking about wiping data, this is a great time to remind you to back up your phone. When’s the last time you did that?

If your phone is one of the millions stolen every year, don’t panic. Try to locate and lock your phone remotely, maybe even wipe its data. Then, contact the police and your wireless provider, as well as your financial institutions if you use your phone for banking, paying bills, etc.

3. Wrap it up: If you have to take a call, finish it before you get on the plane or sit at the table. Set your ringer to silent or vibrate. And, when you’re in a crowded space, text instead of talking. Others in the vicinity will thank you.

Finally, remember to look up. At least every once in a while, put down your phone and connect with those around you. You’ll be glad you did.

Contact Us!

Hummel & Plum Insurance Agency can help you re-evaluate your insurance needs, just give us a call at 740-477-3311 to speak with one of our agents or contact us here.

Content provided by Safeco Insurance

Image by pasja1000

Lightning Facts and Fallacies
April 17, 2022

Lightning Facts and Fallacies

/ News /

The next time you see or hear a thunderstorm in Circleville, Ashville or Chillicothe, you might want to take a moment to review what you know about lightning safety. Strikes are most common during the summer thunderstorm season, but they can happen at any time of the year. And, a lot of less-than-accurate ideas about lightning have found a place in the popular imagination over the years.

Here’s a look at current knowledge.

Indoor Safety

• The safest place to be during a storm is typically indoors, but it is important to avoid anything that conducts electricity – metal, landline phones, appliances, wires, TV cables and plumbing.

• Automobiles can be safe havens thanks to the metal frame that diverts the electrical charge. Don’t lean on the doors during a storm, though.
Outdoor Safety
• Don’t look for shelter under a tree. If lightning hits its branches, a “ground charge” could spread out in all directions.

• Don’t lie flat on the ground. This makes you even more vulnerable to a ground charge.

• Don’t crouch down. Once recommended, the “lightning crouch” has been discredited – it’s not likely any safer than standing if you’re outside during a storm. Instead, get inside or into a car.
Where Strikes Will Happen
• Contrary to folk wisdom, lightning does indeed strike twice in the same place. The best example is New York City’s Empire State Building. It was once a lightning laboratory due to being struck scores of times every year.

• Lightning doesn’t only strike the tallest objects. Although tall, pointy, isolated objects are often hit, lightning has been known to hit the ground instead of buildings and parking lots instead of telephone poles.

• The presence of metal doesn’t affect where and if lightning will strike. Neither mountains nor trees contain metal, and both get struck. However, metal is a conductor of electricity, so avoid it during any storm.

• Strikes don’t just happen in areas where rain is falling. Even if you’re miles away from a thunderstorm, lightning can still occur.
Finally, it’s important to remember that you won’t be electrocuted if you touch someone who has been struck – the human body doesn’t store electricity. So, by all means, give a lightning strike victim first aid. You might just save a life.

Contact Us!

Hummel & Plum Insurance Agency can help you re-evaluate your insurance needs, just give us a call at 740-477-3311 to speak with one of our agents or contact us here.

Content provided by Safeco Insurance

How to Lower Your Auto Insurance Bill
March 16, 2022

How to Lower Your Auto Insurance Bill

/ News /

It’s easy to lower your insurance costs — especially if you have a great driving record, or don’t mind having higher deductibles.

Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad campaigns to convince you to “switch and save” — but the truth is, many people can find savings no matter who their insurance company is. According to the Insurance Information Institute and other experts, here’s how you can, too:

  1. Drive safely. Accidents, speeding violations, and other incidents on the road can put your safety at risk, of course. But they also can hit your wallet pretty hard, because some can cause your insurance premiums to skyrocket. On the flip side, many companies will give you a discount if you don’t have an accident or moving violation over a set amount of time — so not only will you not pay more than you should, you could pay less than you would otherwise.
  2. Make sure your coverage fits your life (and your car). If you can afford higher deductibles — that is, the amount you have to pay before your insurance kicks in — you can save significantly on your premiums. The Insurance Information Institute says raising your deductible from $200 to $500 could drop your overall cost by as much as 30%. You’ll also want to consider dropping collision or comprehensive coverage if your car is old and worth far less than it once was.
  3. Pay your bills on time. And not just the ones from your insurance company, either. Most carriers use credit information when they’re determining how much your coverage will cost, so it pays to have a good credit history. Other things that can impact your standing include your outstanding balances and how much available credit you have.
  4. Ask about discounts. There are all kinds of discounts available for drivers — including some you might not have realized. Do you own your home? You might save on your car insurance. Do you purchase your homeowners and auto policies from the same company? You’re probably already getting a discount for that. If you don’t drive much, you could be eligible for a low-mileage discount. The list goes on and on (literally), so we’ll help you get the savings you deserve!
  5. Shop around. This goes for cars and insurance policies! Your car has a big impact on how expensive your insurance will be, so if you’re buying a new one, be sure to do your research on how much it costs to repair that particular model, the likelihood of theft, etc. And when it comes to insurance, we can help you get quotes from a number of insurance companies — we’ll make it easy to weigh your options and find the right balance between coverage and cost.

Contact Us!

Hummel & Plum Insurance Agency can help you re-evaluate your insurance needs, just give us a call at 740-477-3311 to speak with one of our agents or contact us here.

Content provided by Safeco Insurance

14 Fascinating Facts about February
February 10, 2022

14 Fascinating Facts about February

/ News /

February is the shortest month of the year (even in leap years, when it has 29 days instead of 28), but there’s no shortage of interesting facts about it. From weird holidays to astronomical oddities, this month has a bit of everything.

So with a nod to what February is perhaps best known for—Valentine’s Day on Feb. 14—here are 14 things we bet you didn’t know about the second month of the year.

  1. February (do you see that extra “r”?) is one of the most frequently misspelled words in the English language. In 2015, even the White House press office got it wrong—several times over the course of the month.
  2. For more than 40 years, February has been Black History Month. The precursor to Black History Month, however, is a lot older. Black leaders in 1926 dedicated the second week in February to the recognizing the history of African-Americans—a week chosen to coincide with the birthdays of Abraham Lincoln (Feb. 12) and Frederick Douglass (Feb. 14).
  3. It’s the month for a lot of other causes, too. February also marks American Heart Month, along with some other “months” you might not recognize: Canned Food Month, Grapefruit Month, Hot Breakfast Month, and our favorite, Return Shopping Carts to the Supermarket Month.
  4. February got its start as a spring-cleaning festival. Well, kind of. It’s named after one: “Februa” was an early Roman festival and cleansing ritual held on Feb. 15.
  5. It’s the only month that can pass without having a full moon. That doesn’t mean February never has a full moon—it usually does, as a matter of fact. The last time it didn’t was 1999. The next time it won’t have a full moon? 2037!
  6. Groundhog Day—Feb. 2—is based on a German superstition. In Germany, though, it’s not a groundhog that forecasts either an early spring or a longer winter: It’s a badger.
  7. Febuary is the only month that gets longer every four years. Sure, everybody knows about leap years, and most know why we have them. But did you know that every so often, we need a “leap second,” too? This is typically added to Coordinated Universal Time in June or December, because of irregularities in our planet’s rotation.
  8. The odds of being born on Feb. 29 are about 1 in 1,461. If you’re born on a leap day, you’re typically known as a “leaper” or “leapling.” And depending on where you live, Feb. 28 or March 1 is considered your birthday in non-leap years.
  9. We misspelled “February” in item No. 7. Did you catch it?
  10. Valentine’s Day did not start on a romantic note. According to historians, the day now synonymous with “love” probably began as a pagan fertility festival in ancient Rome. We’ll leave it at that, because some of the other details are disturbing.
  11. And maybe it’s more commercial than romantic now, anyway. It’s estimated that Americans spend more than $18 billion on gifts, chocolate and more for Valentine’s Day.
  12. Valentine’s Day isn’t just about humans, either. Almost 9 million people in the U.S. buy their dogs gifts or cards for Valentine’s Day.
  13. The first Sunday in February is Super Bowl Sunday (at least for the foreseeable future). It wasn’t always that way—until 2001, the game was played in January. But we’d say that’s a pretty good way to kick off a month.
  14. Speaking of that, February is National Snack Food Month as well. Way before the Super Bowl took over the first weekend of February, the month was pretty slow for snack sales—and National Snack Food Month was born. We’re guessing sales are up a little bit now.

Contact Us!

Hummel & Plum Insurance Agency can help you re-evaluate your insurance needs, just give us a call at 740-477-3311 to speak with one of our agents or contact us here.

Content provided by Safeco Insurance

Image by Alexas_Fotos

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