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| Fall Series

Power Your Home with Solar! (& Get a $600 visa card!)

Have you ever wondered about solar panels and whether they would be a good investment for your home?

Right now in central and eastern Pennsylvania, homeowners have an opportunity to have solar panels installed on their home roof without having to pay any large upfront costs.  Legacy Power is offering homeowners the opportunity to install solar panels on their roof for free and then you purchase the energy they produce for a reduced cost. Typically homeowners have seen about 20% or more in reduction of the electricity bills by getting the energy from solar panels right on their home. (Any excess energy goes into the local electricity grid, giving your community a little more green energy.) After you have had the solar panels on your home for about 5 years, you can then purchase the panels for a reduced price if you wanted to own them yourself at that point.

There is little risk in having the panels on your roof as they are insured, monitored, and maintenanced by Legacy Power (the largest solar company in the state!). If you sell your home, they often add value to your home and Legacy Power will continue their services for the next homeowner.

Homeowners may have many questions about the solar panels & their installation.  These are best answered by a professional representative, but after speaking to one myself, I learned a few secrets.  They will make sure your roof is the correct type and in good shape prior to installing any panels, put the panels on the side of the roof where the sun is optimal for our area (typically the southern facing side & away from overhanging trees), and they use the amount of panels needed to power your specific home.  They really work to customize the experience to match your home.

If you would like a free no pressure consultation to see if solar panels and their reduced energy cost would work for your home, please contact our friend, James White.  Please let him know that you were referred by the Allstate Downey Agency and you can receive a $600 visa card upon installation of the solar panels on your home!

James White

Legacy Solar Area Sales Manager

717-329-4915

jameswhite@lgcypower.com

 

Do I Need A Will?

Do I Need A Will?

Well it depends, but it never hurts to have a will.  If you do not have a will, this means that the court will distribute your property according to the laws of intestacy.  These laws may actually follow your wishes if you die without a will, but they may not.

First, the court considers giving your physical and monetary possessions to your surviving spouse. If there is no spouse or they cannot take it, then it looks to your children. If there are no children, then it looks to your grandchildren. If there are no grandchildren, then it looks to your parents. If you don’t have surviving parents, then it will look to an established list of more remote family relationships. You can read the full list and details here. If you have no remaining family that the court can find, your monetary and physical property will become the property of the Commonwealth of Pennsylvania.

If you leave behind more than one person with the same degree of relationship to you, it will be equally divided among then. For example: if you leave behind no spouse, but four children, each child will each receive one-fourth of your estate.

If you leave behind minor children (and no spouse), the court will establish a trust and choose a trustee to handle the funds. They are then distributed to your children when the court-appointed trustee chooses. Another court will also help designate an appropriate guardian for your minor children.

So if the laws of intestacy result in a desirable division of your property, you are satisfied with a court-appointed administrator of your estate, and you believe the court will choose an effective trustee to serve your children, you don’t really need a Last Will and Testament.

You need a will, however, when any of the following apply:

  • You want to have more than one degree of relationship inherit anything. Example: you want to leave your child and your mother property.

  • You would like to specifically list who would get certain items (jewelry, china, cars, etc.) instead of them being equally divided.

  • You would like to give gifts to charity upon your passing.

  • You want to have a trusted person follow your wishes as an executor of your estate.

  • You want to set up a trust for your children with specific guidelines and choose a trustee to manage it. This trustee can release portions of the funds at designated ages or milestones that you choose.

  • You want to list your wishes for a guardian of your minor children. Your will cannot establish a guardianship as that is a separate process, but the court will consider your wishes. Without a will, you have no input.

If you would like assistance setting up a will, a local attorney can help you navigate the details of what you would like contained in your will and file it with the Register of Wills. Please contact:

James G. Strupe, Jr., Esquire

112 Market Street, Suite 429

Harrisburg, PA 17101

717-856-4648

jgsrla@comcast.net

Ultra Tech Travel – $50 OFF Vacation or Cruise Package

Receive $50 off for being a valued customer on any vacation booked 4 nights or longer package or cruise. Can not be used on airfare only. If they are military/police officer/firefighter (need form of proof) and your clients. I will give a 10% discount on a vacation package or cruise. Can not be used on airfare only.

For more information Call Jillian McCartney at 717-319-3433 or visit http://www.ultratechtravel.com

Kreitzers Automotive Free Shuttle & Loaner Service

  • Free shuttle service  within a five mile radius
  • Free loaner service – Consult one our friendly representatives for special arrangements
  • Windshield replacement at rates lower than the national chains

Kreitzer’s Automotive takes great pride in everything we service. Whether it is an oil change, installing new brakes, a major engine repair or a state inspection, our technicians have the skills to do the job correctly the first time.

Call (717) 732-3556 to schedule your next service appointment. Visit kreitzersautomotive.com for more details and information.

Microsoft Hosted Exchange 30 Day Free Trial

Work smarter, anywhere with Microsoft Hosted Exchange from InfoQuest! Get enterprise email and increase productivity, while keeping your organization safe.

  • Enjoy bigger and more reliable mailboxes
  • Do more, on any device
  • Protect sensitive data

Click here to try EXCHANGE 30-Days Free! or call Toby Valora at 717-441-0155 today!

50% OFF SCREEN PRINTING

Artistic Imprints in Camp Hill, PA is offering 50% off screen charges on all screen printing orders of 48 pieces or more with promo code: Downey

Orders accepted via email to info@artisticimprints.com, online via www.artisticimprints.com or over the phone at 717-761-7411.

LOCAL AGENT

David Downey
Insurance Agency Owner
11 N US Hwy 15, Ste 7
Dillsburg, PA, 17019
717-432-1361
Send Me An Email

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