West Michigan June Activities!

School is almost out and there are lots of great activities happening this June to keep the whole family entertained!  Here are just a couple activities happening this month for kids and adults!

Fulton Street Farmers Market

When: Wednesday, Friday & Saturday’s from 8 am – 2 pm

Where: Fulton Street (Grand Rapids)

With 118 outdoor booths and an additional 9 indoor booths the market hosts an amazing assortment of fruits, vegetables, meats, dairy and hand-crafted foods.

Jazz in the Park

When: Monday’s from 6:30 pm – 8:30 pm

Where: Millennium Park Meadows (Walker)

Come and listen to the classic sounds of America’s original genre of music…jazz. There is free parking & food vendors nearby as well.

Food Truck Friday’s

When: Friday’s starting at 5 pm

Where: Riverside Park near the disc golf course (Grand Rapids)

Event is family friendly so bring a blanket and your pet and enjoy the food and company. All trucks in attendance take credit cards. Most trucks offer Vegan options and some Gluten Free option.

Lids for Kids

When: Saturday, June 1st

Where: Garfield Park (Grand Rapids)

Trained professionals and volunteers will properly fit each child with a free bike helmet and share helpful bicycle safety tips. Children in attendance and wearing their new helmet may also fill out a raffle ticket for entrance into a drawing with tons of prizes and a chance to win a FREE bike! With opportunities to meet local law officials and firefighters, tour a fire engine, and fun activities and games, there’s something for every kid and kid at heart!

Critter Barn Family Night

When: Thursday, June 6th from 4 pm – 7 pm

Where: Urban Roots Community Farm (Grand Rapids)

At this free event meet various kinds of goats, sheep, rabbits, chickens and chicks.  There’ll be crafts and games for the whole family as well as u-pick strawberries from their strawberry patch (pints $2 & quarts $3).

Blandford Nature Center Free Friday

When: Friday, June 7th from 9 am – 5 pm

Where: Blandford Nature Center (Grand Rapids)

Go to see the wildlife, hike the trails, visit the farm and more! All visitors will receive free general admission on the first Friday of each month throughout the summer to explore all of the opportunities Blandford has to offer.

Movies on Monroe (Beetlejuice & Bohemian Rhapsody)

When: Friday, June 7th gates open at 6 pm, pre-movie entertainment beings at 6:30 and movie starts at 7:30

Where: 555 Monroe Ave (Grand Rapids)

Movies on Monroe is the premier outdoor film series in Grand Rapids. Films will be presented – free of charge – on a giant video wall along the banks of the Grand River every other Friday from June thru August. Guests are invited to treat the evening like a picnic and bring your own blanket, chairs, and snacks for a special night under the stars. Food will also be available for purchase from local food trucks.

Grand Rapids Festival of the Art – 50 Year Celebration

When: Friday, June 7th – Sunday, June 9th

Where: Calder Plaza (Grand Rapids)

This three-day festival will include cultural cuisine and artwork for purchase, art activities for kids and dance and musical performances.

Be My Neighbor Day

When: Saturday, June 8th from 11 am – 6 pm

Where: Madison Square @ Hall Street (Grand Rapids)

In honor of Mr. Roger’s Neighborhood and the new generation of Daniel Tiger’s Neighborhood, they’re bringing together friends and community partners in a fun-filled Saturday festival sharing with families how to be a caring neighbor.

Summer Fun Kick Off Carnival

When: Monday, June 10th from 4:30 pm – 6:30 pm

Where: KDL Walker Branch

Start of the summer reading program, play games for prizes and enjoy lots more carnival-style fun.  There’ll be local mascots, food trucks, games, and activities!

Big Bounce America

When: Friday, June 14th thru Sunday, June 16th from 11 am – 7 pm

Where: DeltaPlex Arena & Conference Center (Grand Rapids)

Big Bounce America is the largest touring inflatable theme park in the entire world! Prepare for an action-packed day that appeals to all ages, featuring some of the most unique and exciting custom-built inflatable attractions ever built. Tickets are $15-17 for kids & it’s free for adults (unless you want to enter any inflatable attraction with your child, you will need a ticket, which are $20 for adults).

616 Day

When: Sunday, June 16th from 11 am – 6:16 pm

Where: Downtown Market (Grand Rapids)

Shop the 616 Day outdoor market filled with local vendors selling homemade and homegrown West Michigan goods! There will be Market Hall specials costing only $6.16. This is a day all about eating, celebrating, and shopping local!

Movies on Monroe (Spider-Man: Into the Spider-Verse & A Star is Born)

When: Friday, June 21st gates open at 6 pm, pre-movie entertainment beings at 6:30 and movie starts at 7:30

Where: 555 Monroe Ave (Grand Rapids)

Visser Family YMCA Buck Creek 5k Run & Walk

When: Saturday, June 29th at 8 am

Where: Grandville Middle School

There is also a Kid’s Dash for ages 2 thru 7 so the whole family can run! The course winds around the neighborhoods of Grandville and ends at the Grandville Middle School.

 

 

Important Update About Michigan Car Insurance System

Whitmer signing car insurance law 05302019_1559228321974.jpg.jpg

A photo of Gov. Gretchen Whitmer signing into law an overhaul of Michigan’s car insurance system on Mackinac Island. (May 30,2019)

This morning (Thursday May 30th), Governor Gretchen Whitmer signed into law sweeping changes to Michigan’s auto no-fault insurance law.  While we are all excited for the upcoming changes we wanted you to know this law does not take effect till July, 1st 2020.  We will make every effort to keep you updated and provide educational material on what this will mean to you over the next 13 months.

Look for future updates, including a more detailed look into the coming changes to no-fault auto insurance.

Thank you very much for trusting Olivier-VanDyk for your insurance needs.

 

Photo Credit:

Press, The Associated. “Michigan Governor Signs Overhaul to Cut High Auto Premiums.” WOODTV, WOODTV, 30 May 2019, www.woodtv.com/news/michigan/michigan-governor-signs-overhaul-to-cut-high-auto-premiums/2039111077.

Full Coverage or Just Liability Insurance on Your Auto

This question stumps quite a few people: Should you have full coverage, or just liability coverage, on your vehicle?   Olivier-VanDyk’s answer…it all depends on the car!

Full Coverage vs. Liability Coverage

Take for example, Jane wants to know if she should be paying for full coverage on her fully paid 2011 Toyota Tundra.  The bottom line: if your car is still worth a significant amount of money, then you’ll definitely want full coverage.  In this example, since Jane’s vehicle still has plenty of value remaining, it should be fully insured.

You’ll always need to have liability insurance on your vehicle to protect your assets in case of an accident that’s your fault or appears to be your fault.

When To Switch From Full Coverage To Just Liability

Once a car is about 8 years or older, then it’s time to start looking at the math for collision and comprehensive.

A good rule of thumb: Take your monthly premium for the collision and comprehensive insurance.  Multiply it by 12 (or by 4 if you pay quarterly) to determine your yearly cost.  When your yearly cost for collision and comprehensive becomes greater than 10% of your car’s current value, that’s the point at which you can remove the full coverage, and just pay the liability premium.  This math is based on the law of averages for accident claims.

Worst Case Scenario

Sometimes this could come back to bite you though.  For example: you remove your collision and comprehensive and a few weeks later you total your car.  In this case, you’ll be liable for the expenses on your own.  This is extremely unlikely to happen, but it could.  If you’re someone who does not have a good savings buffer, you would be better served to hold on to your collision and comprehensive for a while longer. At least until either your car depreciates significantly, or you get a little more saved up.

If you have any questions, contact Olivier-VanDyk Insurance and one of our highly qualified Personal Insurance Agents will be able to assist you in determining the best coverage for your vehicle.

Special thank you to Clark Howard for his content.