Robert A. Imparato, Jr CFP®

CERTIFIED FINANCIAL PLANNER™ professional

 

Craig A. Hyldahl CFP®

CERTIFIED FINANCIAL PLANNER™ professional

 

R.I.C.H. Planning Group, LLC

105 Fieldcrest Avenue, Suite #507

Edison, NJ 08837

 

Robert: 732-326-5240

Craig:   732-326-5240

Fax:     732-326-5331

 

Robert: robert@richplanninggroup.com

Craig: craig@richplanninggroup.com

Website: www.richplanninggroup.com

May/June 2020

Summer Cooling Tips

Summer Cooling Tips

The high heat of summer can affect your pocketbook in many ways. Consider these money-saving tips:


INDOORS

  • Grill your meals outdoors to keep the kitchen cool.

  • Use insulated curtains on windows where the sun hits the hardest.

  • Keep the windows shut when your house is cooler than outdoors, but open windows when outside temperatures cool.

  • Caulk windows, doors and air conditioning spaces to keep the heat out and cold in.

  • Close vents and doors in unused spaces of your home.

  • Use fans to aid the air conditioning.

  • Service your air conditioner annually.

  • Upgrade to a smart thermostat.


ON THE ROAD

  • To save fuel and prevent breakdowns, tune-up your vehicle regularly, change oil and air filters, service the air conditioner, inflate tires properly and follow the manufacturer’s specifications for additional upkeep.

  • Open the windows to let the hot air out before blasting your vehicle’s AC, then close them.

  • Close fresh air vents to keep the hot air out or open them and turn off the AC when cooler outside.

  • Park in the shade and garage when possible or use a sunshade when you can’t.

  • Avoid quick starts and stops, use the cruise control and reduce your speed.


OUTDOORS

  • Keep hydrated and use sunscreen.

  • Limit consumption of caffeine and alcohol, which can trigger dehydration.

  • Wear a sun hat and light-colored cotton.

  • Stay in the shade as much as possible.

  • Exercise indoors or early morning or late evening.

  • Use products like wearable ice and personal fans to help keep you cool.

  • Be aware of the signs of heat exhaustion, which include heavy sweating, rapid pulse, dizziness, fatigue, cool, moist skin with goose bumps, muscle cramps, nausea and headache.



GE-2823645a(11/19) (Exp. 11/21)


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Securities offered through Equitable Advisors, LLC (NY,NY (212) 314-4600), member FINRA,SIPC (Equitable Financial Advisors in MI & TN). Investment advisory products and services offered through Equitable Advisors, LLC, an SEC-registered investment advisor. Annuity and insurance products offered through Equitable Network, LLC, which conducts business in California as Equitable Network Insurance Agency of California, LLC; in Utah as Equitable Network Insurance Agency of Utah, LLC; and in PR as Equitable Network of Puerto Rico, Inc. Equitable Advisors and Equitable Network are affiliated companies and do not provide tax or legal advice. R.I.C.H. Planning Group, LLC is not owned or operated by Equitable Advisors or Equitable Network. Equitable Advisors and Equitable Network are brand names for Equitable Advisors, LLC and Equitable Network, LLC, respectively. GE-4833845.1 (7/22)(Exp. 7/24) CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc.
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