Do You Have the Best Insurance Policy For Your Vehicle?

Are you concerned that you don’t have the right auto coverage for your vehicle? Here are some tips for choosing the best insurance policy.

Motorists in several states are paying an average of $2,000 a year more than they need to be for their car insurance.
Whether its because they failed to compare rates in their area or because they didn’t know better, there could be money left on the table. Finding the best insurance policy for you and your vehicle can take knowing what to look for.
If you’ve been driving for years without a mark on your record, you should be paying a fairly low rate.
For experienced drivers who have multiple drivers to insure in your household, you could be taking advantage of extra savings by bundling your policies.
Whether you’re concerned that you don’t have the right policy or if you suspect you’re paying too much, there are some tricks to finding a good policy. Follow these 10 tips to save money while still having the best insurance policy around.

  1. Do A Rate Check
    Every year, rates are recalculated by insurance companies. Check with other insurers in your area to see what kinds of rates they charge for comparable policies.
    Some states set the standards for insurance rates, which allows you to use their guide against what insurance companies are quoting to you. You might be able to find some comparison tools online. While these only offer general ideas of what to expect, they aren’t always totally accurate.
    Call the insurance company you’re interested and see what kind of deal they can offer. Once you get an offer, see if they can offer you something for less. Don’t be afraid to haggle with your agent about price.
  2. Pick A Quality Insurer
    If you have a high-risk driver or teenager on your policy, don’t just go with the lowest premium number. See what kinds of payouts they offer in the case of any accidents or claims. You could be paying the lowest rate around, but be getting nothing in return.
    Going through the process of making a claim and even dealing with another driver’s insurance can be stressful. Choosing a reputable insurance company will ensure that you have the name recognition you need to keep another insurance company from taking advantage of you.
    Check online ratings and reviews and see what other drivers have said about a company before you decide on one.
  3. Good Credit Counts
    Having a good credit score can impact your premium. If you know you’ll be getting a new insurance policy, make sure to pay off anything you might owe on any old utilities. Get your credit card utilization down to around 30% or less.
    If you’ve just had any hard inquiries on your credit and can afford to wait, you might want to postpone changing insurance companies. If your credit score is low, you might end up paying more per month.4. Get a Good Deductible
    Your premium goes down as your deductible goes up. But this means if you get in an accident, you’ll end up paying a lot more to cover any costs.
    If your driving record is strong and you’ve been accident-free for a number of years, you could take this risk. You might end up paying around 40% less on your car insurance.
    Be sure to always maintain safe habits though because an accident could cost you big time.
  4. Are You Over-covered?
    If you have more liability insurance, bodily, and property damage coverage you need, you could lower your costs by adjusting your coverage. While lowering your coverage means lowering your protection, you could save more as your coverage goes down.
    As your car ages, your costs and risks might increase so be sure you’re leaving yourself enough room to be covered in case of emergencies.
  5. Report Lower Usage
    If you’ve suddenly started working at home, you might be able to lower your insurance premium. You won’t be driving as much, so your risk will have gone down.
    If you lose your job, you could also ask for a change in your premium. While it’s not the most fortunate circumstance, cutting corners where you can could be essential at a time like that.
  6. Corner Cutting On Repairs
    Your insurer could send you to a certain shop for repairs. That shop might try to use cheap third-party replacement parts that don’t fit quite right.
    Make sure they’re using original manufacturer’s replacement parts. Other parts could lead to more rust, which could lead to car malfunctions, fail safety tests, and lead to accidents.
  7. Car Choice Matters
    Most new cars come with a relative collision insurance estimate. The fees could be astronomical no matter how many features your new car has.
    Be sure to ask lots of questions about how to get the best insurance policy when you’re shopping for a new vehicle.
  8. Watch Out For Scammers
    Other drivers might try to fake an accident in a parking lot or other low-speed, low-impact situation. Once they start this insurance claim, your premium could skyrocket.
    Make sure if you’re in an accident that you take lots of photos, call the police and report the accident accurately. Get the other person’s insurance information. Remain cordial and work with the other party in good faith.
    Be on the lookout for other people as well if you happen to witness an accident.
  9. Look For Discounts
    Older, married, and experienced drivers tend to be considered a lower risk. Cars that have lots of built-in safety and anti-theft features will also chop down your premium.
    If you have a home or renter’s insurance plan, ask if you can get everything bundled together. You might be able to save big time by getting the best insurance policy bundled from the same company.

The Best Insurance Policy Makes You Feel Reassured Having a great insurance policy lets you drive with your mind at ease.
Rather than being stressed out, you can focus on other things knowing that you’re paying the best price for a great policy.
While you’re ticking off all the boxes to make sure you’re prepared when the rubber meets the road, check out our guide of must-haves for an emergency roadside kit.

What Should I Know About Homeowners Insurance?

Home insurance protects property and possessions in case of damage, loss, or liability.

Did you know that before you apply for a mortgage, you must prove you have homeowners insurance? If you don’t, the mortgage lender won’t approve your loan.

You can buy homeowners insurance through an insurance agency. The insurance can be added to your mortgage escrow account. Once you sign up, you pay your premiums as part of your monthly mortgage payments.

Or, you can buy a policy from an insurance company and pay them without using the escrow account.

How Much Does It Cost?

The average cost of homeowners insurance corresponds to median home values.

In West Virginia, the median home value is $99,700, and the average homeowner’s policy is $348.95. If you purchase a higher priced home, expect to pay more for your insurance.

All insurance providers evaluate risks to determine how much to charge. Along with your home’s value, the following factors influence the price:


Location matters. Areas with dense population or high crime rates cost more. Homes at risk for hurricanes or tornadoes have higher premiums.

If you live in an area known to have floods, earthquakes, or mudslides, you’ll need a separate policy for those.

Age of Home and Roof

Homes under 10 years old cost less to insure. Some providers give credits for impact-resistant roofing materials. A newer electrical system lowers the price.


One of the typical home insurance benefits is protection for the contents of your home. Coverage starts at $100,000.

If you have valuable jewelry, electronics, artwork, or antiques increase your contents coverage. Higher coverage increases the cost of the policy.

Credit Score

That’s right. Your credit score influences your home insurance policy. The better your score, the lower your premium.

Insurers examine your claims history too. If you don’t have any claims for the past 10 years, you can save up to 20 percent.


Providers give discounts to homeowners when the risk of claims is reduced. Smoke detectors can get a 5 percent discount. Earn a 15 percent discount with an alarm system.

You can lower insurance premiums by bundling your home and auto insurance. This involves buying both types of insurance from the same provider.

Another way to reduce premiums is to set a high deductible. The deductible is the amount you pay for a claim before the insurance policy kicks in. If you agree to pay more, the insurer will lower your monthly premium.

While cost is a major factor, it shouldn’t be the only concern when weighing home insurance benefits.

Keep reading to learn the benefits of homeowners insurance.

Six Home Insurance Benefits

Homeowners policies generally cover the home, garage, and other structures on the property.

1. Protection against Property Loss

A homeowner policy protects your house against destruction or loss caused by fire, vandalism, lightning, and more.

This includes damage to the home, fences, garage, sheds, and other structures on the property. Damage to the interior of the home is also provided.

If your house is damaged, your policy will help pay for repair and replacement. You don’t have to cover the entire cost.

Make sure your policy uses a replacement cost basis for payout rather than an actual cash value basis. This guarantees the best financial protection.

Earthquakes and floods require separate policies for coverage. Ask your agent for more information.

Any destruction caused on purpose by the homeowner isn’t covered.

2. Safeguard Personal Belongings

Personal possessions inside the home are covered. This includes furniture, clothing, and appliances.

If your belongings are destroyed or stolen, the policy will reimburse you for the value of your items.

Your stuff is protected whether it’s in your home, car, storage unit, or with you at work.

3. Liability Protection

Liability insurance is standard on most policies. It offers protection if you’re found responsible for damaging someone’s property or causing an injury.

If someone is injured on your property and a lawsuit arises, the policy will cover it. Liability coverage extends to accidents away from home.

Legal or medical fees and lost wages if you’re out of work are covered. It can help provide legal defense fees and pay damages up to your policy’s coverage limit.

4. Additional Living Expenses

If a fire or severe storm damages your home so it’s uninhabitable, your policy can help with temporary living expenses.

The policy only pays reasonable expenses. If you live in a two-bedroom home, the policy won’t pay for you to stay in a home that’s three times larger.

While electric, gas, and water aren’t covered, these expenses are:

  • Rent for temporary housing
  • Laundry and dry cleaning
  • Food
  • Furniture
  • Pet boarding
  • Storage space
  • Internet/cable connection setup fees

Save all your receipts and record expenses so you’re reimbursed.

5. Unique Provisions

Did you know your policy could cover dog bites? Liability coverage through your homeowner’s policy may include dog bite protection.

That’s a bigger deal than it seems. According to the Insurance Information Institute, the average dog bite claim is about $26,000.

Another provision covers restocking a refrigerator after a power loss. If you threw away spoiled food due to a power outage, your policy may pay up to $500 for food.

Your policy may even cover the cost to bring your house up to code.

Let’s say a fire destroys your kitchen and spreads to other rooms in your home. Your insurance policy could cover new law mandates as well as the cost of damages. For example, if you’re required by code law to add water sprinklers.

6. Coverage for Family Members Away from Home

If you have a college student, their belongings are covered under the personal property clause.

It doesn’t matter how far away your student is, as long as he resides in on-campus housing. If he moves off-campus, he’s no longer covered. He’ll need to get his own renter’s insurance policy.

Knowing all your home insurance benefits will give you financial peace of mind.

Get Homeowners Insurance Benefits Now

Looking for a reliable homeowners policy in West Virginia? Get a free insurance quote from Yeager Insurance and Financial Services.

Yeager Insurance offers plenty of options so you can build a policy that best suits your needs.

Contact us today. We’re ready to help!


Pros of Single Premium Life Insurance

Did you know that 47% of insurance claims filed in the state of West Virginia were for life insurance? How will your family be protected in case of an emergency?

One growing trend for families in the Mountain state is single premium life insurance. What are the pros and cons compared to other forms of life insurance you can buy? Keep reading to find the best reasons (and a few drawbacks) on why you should purchase single premium life insurance.

Pros of Single Premium Life Insurance

Let’s look at some of the benefits of opting for a single premium policy.

Access to the Premium If Long-Term Care Is Needed

One of the highlights of going this route when purchasing insurance is the ability to access the money from the policy tax-free if it is needed to cover long-term care expenses.

The initial purchase can be used as a fallback option if you will be in need of long-term care at home or in a medical facility. In the instance that the money is not needed to cover your health expenses, the money will go to your beneficiaries without any income tax penalties.

The Value of the Policy Will Grow

Since a one-time payment is used for the purchase of single premium life insurance, the value of it should grow at a significant rate over time.

While your age and health are certainly a factor in the total amount of your benefits, this can make the policy worth up to four times as much money, over the length of the policy.

One way the value can grow is through a set interest rate agreed on at the time of the purchase of the policy. If the cash value increases then it may be to your benefit to borrow some of the cash without incurring a significant loss in penalties.

There may also be an option to grow the policy through a market index. This option can be worthwhile if you notice the trends in the market increasing over the previous quarters.

One Purchase Is All It Takes

Arguably the greatest benefit to single premium life insurance is that you only make one payment. This allows peace of mind for your family’s well being after your passing and also helps you avoid the trouble of making money or quarterly payments to the policy.

If you do not want to deal with the hassle of keeping up with these payments then the one-time purchase will be best for you.

Financial Aid Readiness

Did you think your single premium life insurance wouldn’t have an effect on your child’s financial aid? Think again! When filling out a FAFSA form for financial aid, any policies that have monthly, quarterly, or annual payments towards them count as cash assets for the household.

This can substantially reduce the amount of money your child can receive through financial aid. When you make a one time purchase on single premium life insurance it is not viewed as a cash asset by the federal government.

Cons of Single Premium Life Insurance

Now let’s look at some of the drawbacks of a single premium policy.

You Need a Large Amount of Capital

Although having the ability to purchase insurance can be an amazing benefit for your family in the long term. It is also important to know that it will come at a significant cost. These policies are not cheap and the capital used to purchase the policy could be used in short-term investments for your family.

No one is able to predict the future but if you purchase a premium and think the money could have been used another way, it may result in significant penalties when cashing out the premium.

Early Penalties

One major drawback is the penalties you will incur when taking out some of the cash on the policy early. There will be a percentage penalty fee for the policy, as most policies will have it written in the contract that money cannot be withdrawn for “X” number of years.

Another thing to consider when deciding to withdraw cash from the policy is whether your age will have any impact on the amount of the penalty, as some policies can also apply extra fees if money is withdrawn before a certain age minimum.

After that term has passed you can withdraw money without a penalty from the insurance company, but there will still be income tax fees on applied to the withdrawal.

Income Tax Penalties

As previously mentioned, if you make a withdrawal on your policy it will be subject to income tax fees. The only time you will not have to deal with these fees would be if the cash value of the policy goes toward your long-term health care.

To avoid these types of penalties altogether the best option would be to simply not touch the cash in the policy at all unless your health is at risk.

Is this the right fit for you?

How can you determine if single premium life insurance is what your family needs for the future? Let’s recap some of the good and bad about this type of insurance:

  1. Only one payment is needed
  2. Help with Financial Aid assistance
  3. Penalty-free access to policy for long-term care
  4. Penalties may reduce the policy value

Do you have more questions about single premium life insurance? If so contact us today about receiving a quote!

Why Don’t People Prepare For Natural Disasters?

If you live in a part of the country known for a certain type of natural disaster, like hurricanes or earthquakes, it stands to reason that you would make preparations for it. Things like having an emergency plan, reinforcing your home and making sure you have adequate insurance for the event.

Yet, time after time, we see news stories of people who were caught unawares by the approach of a natural disaster. These events range in scope from scrambling to get provisions at the last minute and emptying the shelves of grocery and hardware stores, to tragically losing a home and other possessions in a total disaster.

So, if people live in zones where they know there is a reasonable probability of a natural diaster, what would cause them to ignore preparations for that disaster until it’s too late?

A new book written by two directors from The Wharton School’s risk management division sheds some major light on the psychological processes that drive underpreparedness scenarios. Called “The Ostrich Paradox“, it examines in detail how disaster planning goes wrong — and how to do it the right way.

The authors identify six specific biases that cause people to not properly prepare for natural disasters:

  • Inertia: The ongoing feeling that you don’t need to protect yourself just quite yet.
  • Myopia: The irrational feeling that since things are fine now and have been fine for as long as you’ve been in the area, they’ll continue to always be fine.
  • Herding: Looking to others to tell you what to do to prepare for a disaster, and not doing it if you do not see an authority telling you to.
  • Optimism: While this is normally a positive trait, in the event of a disaster it can make you downplay the risks and thus fail to take adequate measures to protect yourself.
  • Amnesia: No matter how badly natural disasters damage an area, people are quick to forget these events and the lessons that should have been learned from them.
  • Simplification: A lack of awareness of the full extent of damage that a natural disaster can cause, and the scenarios that a family will be in if they’re caught in one (i.e. how they are going to get out of the area if the roads are shut down).

It’s tough to identify and admit to mental bias, but it’s very important to try to do so for the sake of protecting your property and family. The authors of the book advise people to draw up firm rules about how to handle a disaster long before there is any risk, keeping in mind that any or all of these biases could be influencing you once the first warnings of the disaster come in. Keep the rules in writing so there’s no confusion, and commit to following them to the letter. It’s also always a good idea to review your insurance policies and verify that you are adequately covered for the type of disasters that are common in your area, especially if you’ve done renovations or additions to your home recently.

So You’ve Just Witnessed A Car Accident … What Do You Do Now?

At some point in your life, you’ve probably been given the basic rundown of what to do if you’re involved in a car accident. You’re not always told what you should do if you’re a witness to someone else’s accident, however.

Witnesses to car accidents play a very important role. They’re often the first people able to respond if the parties in the car accident are injured and unable to call for help themselves. Both law enforcement and insurance companies also rely to a great deal on what witnesses report to determine what action they should take after an accident.

If you’re not directly involved in a car accident, you’re under no legal obligation to stop or to act as a witness. You can think of it as a civic duty or “good samaritan” deed, however. Someday, you might be involved in a similar accident, and would hope that the people around you would help you to get assistance and provide testimony so that your insurance company paid you fairly.

Keep the following in mind if you happen to witness an auto accident:

  • Safety First
    Take care of your personal safety first, and avoid contributing to the crash or creating a new hazard in the road. Stay at a safe distance until you are sure it is safe to approach. If you are going to check to see if someone needs medical attention, first find a safe place to park, and be sure to turn your hazard lights on before exiting the vehicle. Also be wary of environmental hazards as you approach, like shattered glass from windshields and downed power lines if someone hit a pole or tree.
  • Check On The Victims And Call For Help
    Unless you know CPR or have medical training, it’s best not to attempt to intervene with anyone who is injured. Instead, call 911 for an ambulance and describe the condition of the victims, and if they are conscious reassure them that medical help is en route. Simply being present and speaking to them calmly can help by lowering their stress levels.
  • Aid In Securing The Scene
    If you have road flares, or something like an emergency cone on hand, it is OK to deploy these in the road to alert oncoming traffic of the accident. Just be sure to check for liquids in the area before using a road flare or anything that involves a lighter. If you aren’t absolutely certain the liquid is water, refrain from lighting anything as it may be flammable.
  • Take Photos
    If the victims are unable to photograph the scene, you might consider doing it for them once they are stabilized and the area is secured. Photos taken immediately in the wake of the accident can be very helpful during insurance claims investigations.
  • Wait For The Police And Medical Personnel
    If an ambulance was called, most likely that will arrive first. Even if the police take longer to show up, however, it’s helpful to wait for them and add your eyewitness testimony to their report. If you don’t mind being called by an insurance investigator later, you can also offer your contact information to the parties involved.

Health – Getting your flu shot: Fight back against influenza!


Fall evokes memories of cool nights, pumpkin pie and family gatherings. It also signals the beginning of the influenza season in the United States. Influenza vaccines remain our greater defense for this serious and sometimes deadly illness.

Influenza vaccinations are provided annually usually starting in late August to early September. The CDC recommends everyone over the age of 6 months obtain the vaccine each year. The vaccines are regarded as very safe and there are many benefits for obtaining the vaccine. Several forms of the vaccine are available and many different locations.

Influenza vaccines are very safe. Despite popular belief, you can not get influenza from the vaccine. The most common side effect associated with the vaccine is redness, discomfort and swelling at the site of the injection. This reaction is usually mild and lasts only a few days. Major side effects and reactions are very rare. Benefits from the vaccine greatly outweigh the risks. The influenza vaccine helps prevent you from contracting the illness by triggering your immune system to build antibodies as protection from the virus. This process generally takes up to two weeks before you develop full immunity. Some people can still contract influenza despite obtaining the vaccine, however, those who obtained the vaccine generally have a more mild case of the illness and are less likely to be hospitalized due to complications from influenza.

For the 2016-2017 influenza season, several different injectable vaccines are available including a high dose option for those over age 65 and a vaccine for those with severe egg allergies. The CDC does not recommend the use of nasal spray influenza vaccines this year due to concerns over their effectiveness. Vaccinations can be obtained from many sources including your primary care provider and pharmacy. Many community healthy organizations and state health departments also arrange vaccination drives at low or no cost to the community. The CDC also provides a Flu Vaccine Finder on their website to assist in locating the closest provider to your zip code.

Regardless of the vaccine, you chose the important thing is to simply be vaccinated. Vaccinations can protect those closest to you such as young children, elderly individuals and those with chronic medical conditions who are at greatest risk from this potentially deadly disease. Check here to learn other ways to protect you and your family. No matter where you go, or which vaccine you chose, simply chose to be vaccinated and fight back against influenza.

Check The Fireplace Before The Stockings Are Hung

Blog-Check-The-Fireplace-Before-The-Stockings-Are-Hung-picWhen leaves are falling, our thoughts drift towards the fireplace. But before you fire up the gas logs, schedule an annual house call with an HVAC professional. Annual inspections and cleaning will extend the life of your fireplace, minimizing costly repairs due to unseen problems. Here are some things to check before holiday decorating.

  • In order to confirm that all components are working safely, everything from the glass doors to the combustion chamber to the outside vent needs attention.
  • The vent kit may need replacing if there is damage from leaves, dirt or insects.
  • If the pilot light was turned off for the summer, do not attempt to re-light it yourself. Spider webs and cobwebs need to be cleaned out of the pilot tube before lighting by a professional.
  • The fireplace box, burners, and logs need to be thoroughly cleaned and vacuumed.
  • Evaporation of water vapor can erode gaskets, causing rust. This, combined with loose connections, will cause the gas logs to burn inefficiently and possibly dangerously.
  • If the fireplace is unsafe due to loose seals, carbon monoxide can leak into your home. A carbon monoxide alarm will monitor your home for leaks and is highly advised.
  • Gaskets, and nuts and bolts on the glass doors should be checked and cleaned. Between annual maintenance checks, use hearth appliance glass cleaner exclusively. Do not use a window cleaner with ammonia, which can cause toxic fumes when the gas is lit. Failing to clean the glass doors properly will cause the glass in the doors to become permanently cloudy.

There’s a lot going on behind the scenes of a gas fireplace to make it visually appealing, energy-efficient, and safe. For peace of mind this season, make sure your hearth and home are well maintained.

Top 10 Holiday Shopping Safety Tips [Time Sensitive-Holidays]

Blog-Top-10-Holiday-Shopping-Safety-Tips-[Time-Sensitive-Holidays]Holiday Shopping Safety

With all the hustle and bustle of the holidays, it’s easy to get too distracted to practice everyday safety measures. But it’s so important to do everything you can to keep yourself, your loved ones, and your belongings safe from harm. Here are our Top 10 Holiday Shopping Safety Tips.

  1. Be wary of strangers approaching you for no apparent reason. Thieves sometimes work in teams — one distracts you while the other steals your purse or packages.
  2. Ensure kids know what to do if they get separated from you, which includes knowing how to identify mall security guards. Never allow kids to visit the restroom alone or to make their own way back to the car.
  3. Have your keys out and ready before going to your car. Always look around the car and into your backseat before getting in. Never put your purse on the hood of the car while you load the car.
  4. Never leave your car running, no matter how short a stop is. Always roll up the car windows, lock the doors, and set your alarm.
  5. Shop with a buddy whenever possible. If you have to shop alone, try to walk close to a group or stay in sight of a large crowd.
  6. Stay alert and be aware of your surroundings at all times, especially when walking to and from your car. Avoid texting or overloading yourself with bags so that you will not be distracted.
  7. Take small valuable items in with you at your next stop. Hide larger presents and bags under seats or in the trunk.
  8. The holidays are prime time for pickpockets and purse snatchers. Women should wear a cross-body purse. Men should put their wallets in a front pocket or an inside coat pocket (preferably one that zips or buttons).
  9. Try to shop only in the daytime if possible. If it’s dark, park in areas of the lot that are well-lit. Never park in an isolated area of the lot, whether it’s day or night.
  10. Watch out for distracted shoppers backing out of parking spaces whether you are driving or walking. Same goes for looking out for pedestrians — especially over-excited, darting children — when backing out of a spce or driving around looking for one.

4 Easy DIY Holiday Decorating Ideas


Decorating your home for the holidays can take a toll on your energy, bank account, and time constraints. Many home owners don’t consider do-it-yourself tasks to be  cost-effective and time-saving solutions, but there are a wide variety of simple, quick, and inexpensive decorating projectsavailable to easily add some holiday cheer to your home.

1. Wreaths

This colorful candy cane wreath is a simple way to satisfy your holiday decor cravings for just pennies on the dollar. To achieve this look arrange 18 full-sized candy canes in a heart pattern and hot-glue a glittery snowflake ornament in the middle where they all intersect, then hang from a thick solid red ribbon.

2. Ornaments

Wooden sled ornaments are so easy, cheap, family-friendly, and infinitely customizable you will want to hang them on your tree from top to bottom. These little pieces of sweet holiday nostalgia are made with popsicle sticks, glue, paint, and twine.

3. Advent Calendars

Daily advent calendars work double-duty as both a charming piece of holiday decor, and a fun activity to count down the days until the happiest day of the year. They don’t have to be elaborate and costly to add character. Consider this little advent house constructed of toilet paper rolls and cardboard. Eco-friendly and whimsical, simply fill with tiny treasures and enjoy.

4. Luminaries

All you need for this 5 minute DIY are glass jars, cranberries, seasonal greenery, and votive candles. You can upcycle old jam or condiment jars, mason jars, or decorative jars for a little extra pizzaz. Put some winter greenery clippings from your yard in the jar with some cranberries, fill with water to submerge them, then pop a votive candle on top. These luminaries will look festive on any holiday tabletop or mantle.

Tree Damage

Are your trees in trouble?  Check the trees in your yard before the next storm threatens your property.  See our infographic for danger signs to look for.




What’s the best way to prune your trees?  Watch Barbara Arnold, Horticultural Program Coordinator for the Franklin Park Conservatory in Columbus, Ohio in this short video: