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What Happens to Car Insurance When Crossing Borders?
Are you planning a road trip? Does your adventure include crossing international borders? If so, make sure you have proper auto insurance before you hit the highway.

Most U.S. and Canadian insurance policies cover both countries. Insurance laws differ between the two, but your policy most likely includes a provision for travel across the border. When you cross, your policy is still active. However, it's a good idea to contact your provider to confirm. Your agent may also send you a temporary insurance card to take with you. In addition to this documentation, you should also pack your proof of citizenship.

Traveling to Mexico is different. U.S. insurance companies may provide coverage for vehicle damage in Mexico but not liability coverage; you must purchase a separate policy from a Mexican insurance provider. You may be able to purchase coverage as you cross, but having it in place before you start your trek is preferable.

Do you plan to leave your car at home and travel abroad? If you rent a car in another country, your insurance policy usually doesn't provide coverage. You will need to purchase rental insurance. The U.S. embassy in that country can provide information about the rental car insurance requirements there. Some places require coverage which is only available in that country.

Before you travel, contact your carrier. Let them know about your trip, find out exactly what your policy covers, determine if you need any additional documentation and make plans to purchase international coverage if needed.

Is Your Pet Trying to Tell You Something?
High Five
Pets can be loyal companions, but sometimes humans aren't. You're not mean; you just don't always get it. So Reader's Digest has compiled a list of things we furry family members would like you to understand, such as:

Teach us good behavior early, and be consistent.

We dogs wag our tails to show approval, but also when we're afraid. Tail-wagging doesn't always mean we want to be petted.

Cats are hunters - we want toys we can grab, not laser lights.

Soft Frisbees don't hurt doggy gums so are better for playing fetch.

Don't waste money on gluten-free pet food.

Treat us as you'd like to be treated if you were lucky enough to be a dog or a cat!

What Is the Best Exercise on the Planet? You Decide
It's generally agreed that cycling is the best exercise on the planet - unless you ask walkers, who say nothing beats walking for a whole-body workout. And the debate goes on.

As it turns out, the workout you get depends on the modality you choose, and both activities are good forms of exercise - for different reasons.

Do you want to bulk up or slim down? Are you looking to increase endurance? Is your concern long-term cardiac fitness or short-term shaping?

Both biking and walking provide aerobic exercise, so they increase heart rate and are likely to improve cardiac function. They also exercise muscle and burn calories, which can be important if weight loss is your ultimate goal (although there's debate on that, as well).

According to Jessica Martinez with, "A 130-pound person, walking at a moderate pace...burns 60 to 70 calories per half-hour." Martinez adds, "Walking can reduce belly fat, lower blood pressure, and raise your production of HDL, or 'good' cholesterol."

But, in another Livestrong article, Deborah Green writes, "A person who weighs 160 pounds will burn about 288 calories in one hour of cycling at a leisurely pace." And strenuous biking can make muscles work harder, so if you're going for that "ripped" look, biking may beat walking.

John Metcalfe (sort of) sums it up in CityLab. "As efficient as walking is, biking is more efficient, having the lowest energy cost of all transportation options, including walking, swimming, driving, ride-sharing, taking the train, and trotting through a sun-dappled meadow on a horse." Biking? Walking? The debate continues. Swimming, anyone?

How to Make Your Auto Insurance B.E.T.T.E.R.
For most of us, car insurance is not an expense we can avoid. The good news is, while we may not be able to eliminate the cost, we can make it B.E.T.T.E.R. Here's how:

Buy a car with insurance in mind: When it comes to insurance, not every car is created equal. If you're purchasing a car, consider how much the insurance will be. Vehicles with certain features and good safety records are cheaper to insure. Consult with your agent as you car shop to determine your best options. Similar vehicles usually cost close to the same.

Embrace a higher deductible: Many people get anxious at the thought of a higher deductible. Don't be intimidated. It could actually save you in the long run. You may be able to reduce your premium by up to 40% on newer vehicles.

Take teen discounts: Insuring your adolescent children can get pricey. Take advantage of any discounts available. Do they get good grades? Will they be away from home for college (and only need coverage during breaks)? Can you assign them to your least-expensive vehicle? Ask your agent what options are available.

Trim your coverage: Do you have an older vehicle? If you have full coverage, you may be over-insuring the car. Check its value. If it is less than 10 times the premium cost, it might be best to drop any coverage beyond liability.

Establish good credit: Research reveals that people with better credit scores make fewer insurance claims. As a result, many insurers use credit information to help determine insurance rates. Stay out of debt, pay bills on time, and check your credit score regularly to ensure all the information is correct.

Request other discounts: Talk to your insurance provider about additional discounts that might be offered. Common discounts include multipolicy, good driver, and limited mileage.

Insurance gives us piece of mind, but by making it B.E.T.T.E.R., we can feel comfortable financially, too.

Are You Making a Mistake with Your Homeowners Insurance?
Buying a home is the biggest investment you'll ever make. With that kind of commitment, you owe it to yourself to protect it. Before you make a decision on which policy to buy, it pays to be informed. Get up to speed by requesting my free guide, "What You Need to Know Before Buying Homeowners Insurance."
Just reply to this email and I'll send it right out to you.

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Sweet and Spicy Grilled Pork Tenderloin
It's grilling season. Enjoy!
Serves 4
1 whole pork tenderloin trimmed of fat (about 1 pound)
Zest of 1 lemon
1/2 cup lemon juice
1/4 cup honey
2 teaspoons salt
3 garlic cloves, crushed
1 tablespoon chili powder, or to taste
Combine lemon zest and juice, honey, salt, garlic, and chili powder in a resealable plastic bag. Add pork tenderloin, remove as much air as possible, and seal. Marinate in the refrigerator for at least 6 hours (up to 24 hours). Rotate occasionally.

Remove tenderloin, preheat grill to medium, and discard bag with remaining marinade. Brush grates with vegetable oil, and place tenderloin in center of barbecue. Cover grill. Turn pork every 2 minutes until it reaches an internal temperature of 120 degrees (10-12 minutes). Place on a cutting board. Cover the tenderloin with foil for 8-10 minutes. Slice and serve with lemon wedges and sides of your choice.
This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter. This newsletter is not intended to solicit properties currently for sale.
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