http://www.timhamiltoninsurance.net/blog/View Hamilton Insurance Group's Website Blogen-uspostmaster@www.timhamiltoninsurance.netInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:b3fba13a-be47-47bf-9751-1ee6ac50ab82urn:uuid:ce4aa28e-fbdb-492c-adf6-9d808714909d<img src='http://www.timhamiltoninsurance.net/img/~www.TimHamiltonInsurance.com/NW1111VacationHome.jpg' align='left' /> Finding a home away from home can be a great way to vacation. Especially if you have kids or a large group, a vacation rental may be a lot more fun&mdash;and a lot more affordable&mdash;than a hotel. Follow these seven steps to find the perfect pl...Wed, 04 Jan 2012 15:26:23 -0600<p style="text-align: center;"><img alt="" width="509" height="160" style="width: 257px; height: 103px;" src="/img/~www.TimHamiltonInsurance.com/NW1111VacationHome.jpg"> <div style="text-align: left;"></div> </img></p> <p>Finding a home away from home can be a great way to vacation. Especially if you have kids or a large group, a vacation rental may be a lot more fun&mdash;and a lot more affordable&mdash;than a hotel. Follow these seven steps to find the perfect place and get invited back.</p> <ol> <li><strong>Deal with reputable sources.</strong> There are plenty of rental agencies, and some are even affiliated with realtors. There are also websites that let you work directly with the owner. Whomever you deal with, check into their background as much as possible. If it&rsquo;s a company, check out the <a href="http://www.bbb.org/" target="_blank">Better Business Bureau</a> for reviews. </li> <li><strong>Know what you need.</strong> Think about the number of bedrooms, separate beds and other amenities you&rsquo;ll want, as well as location. If you have kids or pets, verify the rental&rsquo;s rules and evaluate safety factors like a fenced-in yard or a cover and alarm on the backyard hot tub. </li> <li><strong>Get detailed photos and descriptions.</strong> You wouldn&rsquo;t buy a house without seeing it first, and you shouldn&rsquo;t rent one that way, either. You may not be able to visit in person, but get as many photos as you can, along with information on everything from the number of closets to whether the house has pots and pans. </li> <li><strong>Find out what&rsquo;s included in the price.</strong> The place may have Internet access, but is there an extra charge? What about utilities? Also make sure there&rsquo;s someone you can contact while you&rsquo;re there if you run into a problem such as a broken air conditioner or heater. You&rsquo;ll want these details spelled out up front&mdash;and in writing. </li> <li><strong>Sign a contract.</strong> Be sure it details everyone&rsquo;s responsibilities. For example, do you have to clean the house before you leave? How soon does the owner or agency agree to fix anything that breaks? Read the fine print and never send money before the contract is signed. </li> <li><strong>Consider your coverage.</strong> Make sure the rental homeowner has insurance for the structure and its contents. Also, talk to your Nationwide agent to be sure your homeowners or renters policy covers your personal items while you&rsquo;re in the rental home. </li> <li><strong>Be a great houseguest.</strong> Never forget you&rsquo;re staying in someone else&rsquo;s home. Treat everything with respect and clean up after yourself. If your group damages something, offer to repair or replace it&mdash;especially if you want to be invited back. If you fall in love with your home away from home, tell the owner or rental agency right away and reserve your spot for next year.</li> </ol> <p>For more information about these tips&nbsp;or to request an insurance quote for your auto, home, life, or business in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group</i></strong><em> </em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p>urn:uuid:4aca3d78-1703-4eed-9827-ebcabd5a5f6e<img src='http://www.timhamiltoninsurance.net/img/~www.TimHamiltonInsurance.com/NewWilens_banner.jpg' align='left' /> &nbsp; &nbsp; Toilet Overflowing? Quick Do This... If, after you flush, the water is rising higher than it should, quickly turn on the cold water in the sink as well as in the bathtub or shower.&nbsp; The cold water&nbsp;coming through the pi...Sun, 01 Jan 2012 21:30:15 -0600<p style="text-align: left;"><img alt="" width="573" height="146" style="width: 399px; height: 121px;" src="/img/~www.TimHamiltonInsurance.com/NewWilens_banner.jpg"></img></p> <div style="text-align: center;">&nbsp;</div> <p>&nbsp;<img alt="" width="201" height="278" style="width: 87px; height: 123px;" src="https://www.insurancewebsitebuilder.com/img/~www.TimHamiltonInsurance.com/toilet_news.jpg"></img></p> <p style="text-align: left;"> <div style="text-align: left;"> </div> <strong></strong></p> <strong> <p style="text-align: left;"><span style="color: #244061; font-size: 18px;"><strong>Toilet Overflowing? Quick Do This...<br /> </strong></span></p> </strong> <p style="margin-top: 0px;">If, after you flush, the water is rising higher than it should, quickly turn on the cold water in the sink as well as in the bathtub or shower.&nbsp; The cold water&nbsp;coming through the pipes will cause a vacuum that will suction the water in the toilet down the drain.&nbsp; Commit this tip to memory.&nbsp; It&rsquo;s a great thing to know,&nbsp;especially when you go to somebody else&rsquo;s home.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p> <p>For more information about this tip&nbsp;or to request an insurance quote for your auto, home, life, or business in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;<br /> </strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.BottomLineSecrets.com" target="_blank">www.BottomLineSecrets.com</a><strong> <div style="text-align: left;"> </div> </strong></b></p>urn:uuid:ca2fe179-e330-49aa-8971-d936b93efeb9Household Magic Daily Tips From Joan &amp; Lydia Wilen First, spread the rinds from an orange or lemon on paper towels, and let them dry out overnight. When the rinds are thoroughly dry, toss them on the fire to create a lovely citrus aroma. If you ...Mon, 26 Dec 2011 10:34:43 -0600Household Magic Daily Tips From Joan &amp; Lydia Wilen<br /> <p style="margin-top: 0px;">First, spread the rinds from an orange or lemon on paper towels, and let them dry out overnight. When the rinds are thoroughly dry, toss them on the fire to create a lovely citrus aroma. </p> <p id="yui_3_2_0_1_1324912217415628" style="margin-top: 0px;">If you are not into a citrus scent, you could toss in a few pinecones for a more woodsy fragrance.</p> <p>For more information about this tip&nbsp;or to request an insurance quote for your auto, home, life, or business in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p id="yui_3_2_0_1_1324912217415628" style="margin-top: 0px;"><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p id="yui_3_2_0_1_1324912217415628" style="margin-top: 0px;"><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p>urn:uuid:072cb8e4-46c9-40a3-b7a8-b9540be3dc2eMerry Christmas and Happy New Year!&nbsp; From Tim &amp; Your Insurance Team At Hamilton Insurance Group http://sendables.jibjab.com/view/QZlBmY0LDSL7AHm0?cmpid=jj_urlThu, 22 Dec 2011 22:40:51 -0600<span style="font-size: 13px;">Merry Christmas and Happy New Year!&nbsp; From Tim &amp; Your Insurance Team At Hamilton Insurance Group<br /> <br /> <a href="http://sendables.jibjab.com/view/QZlBmY0LDSL7AHm0?cmpid=jj_url">http://sendables.jibjab.com/view/QZlBmY0LDSL7AHm0?cmpid=jj_url</a></span>urn:uuid:e71ca95d-8bf9-4b94-a5d0-30c24b806231Mold can be defined as a growth of minute fungi forming on vegetable or animal matter, commonly as a downy or furry coating, and associated with decay or dampness. Growth of mold may begin with or become exacerbated by water damage that is inadequate...Wed, 21 Dec 2011 16:56:17 -0600<p>Mold can be defined as a growth of minute fungi forming on vegetable or animal matter, commonly as a downy or furry coating, and associated with decay or dampness. Growth of mold may begin with or become exacerbated by water damage that is inadequately repaired. Increasingly, airtight building construction (for purposes of improving energy efficiency) and the recirculation of contaminated air can contribute to the growth of mold as well. </p> <p>Mold claim costs have increased dramatically over the years. According to the Insurance Information Institute, the typical mold claim costs between $15,000 and $30,000, compared to only $3,000 to $4,000 for an average homeowners claim. Part of this reason is the additional living expenses component of the claim. Frequently, a home owner must temporarily move out of the home due to necessary and major remediation work. </p> <p>Active mold is fuzzy, velvety, or slimy, and is orange, green, black, brown, pink, or purple in color. If you suspect you have a mold problem in your home, here are some tips to consider.</p> <ul> <li> <p>Check the inside and outside of the dwelling for leaks and any visual evidence of contaminants since plumbing leaks are a primary cause of mold in homes. This task includes investigating the attic and basement to closely check for dampness and discoloration. It is important that the source of the leak be repaired as quickly as possible.</p> </li> <li> <p>If there is a slight amount of mold, used a detergent solution to remove it. Wear a mask, safety goggles, and rubber gloves while performing this task.</p> </li> <li> <p>For larger amounts of mold or resistant mold, contact a qualified specialist in the area of mold remediation.</p> </li> <li> <p>For moderate or major damage to property, also contact your insurance agent.</p> </li> <li> <p>To mold-proof your home, dehumidify your basement during the warm months. Eliminate standing water, and frequently clean and replace furnace filters.</p> </li> <li> <p>Regularly check the condition of your roof and exterior finish for any places where water might enter your home.</p> </li> </ul> <p>If mold is suspected of causing an illness, consider the following recommendations.</p> <ul> <li> <p>Contacting an environmental consultant may be necessary. You should ascertain the credentials of this consultant and contact the references provided. In addition, it is wise to select a consultant who does not perform the actual remediation work or have an interest in a company that does.</p> </li> <li> <p>If symptoms persist, a physician who specializes in occupational and environmental medicine (rather than a family practitioner) should be consulted. The specialist is often able to more easily isolate the cause.</p> </li> </ul> <p>For more information about ways to reduce your exposure to mold losses&nbsp;or to request an insurance quote for your auto, home, life, or business in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group</i></strong><em> </em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p>Get more <a href="http://www.irmi.com/expert/landing-pages/personal-lines/personal-risk-management/default.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="TextAlignCenter">Copyright 2011<br /> <a href="http://www.irmi.com/default.aspx">International Risk Management Institute, Inc.</a> </p>urn:uuid:6b9367ee-4549-4042-846a-824562753faaLike it or not, most of us will be involved in an auto collision at some point during the many years we spend on the road.&nbsp; Being involved in an auto accident can be painful, frightening, and the claims process can be time consuming if you&rsquo...Tue, 13 Dec 2011 11:50:25 -0600<p style="text-align: left;">Like it or not, most of us will be involved in an auto collision at some point during the many years we spend on the road.&nbsp; Being involved in an auto accident can be painful, frightening, and the claims process can be time consuming if you&rsquo;re unaware of what you should do after an accident.&nbsp; Your insurer would like a speedy claims process just as much as you do.&nbsp; As your agent, we&rsquo;d like to equip you with the following tips and tricks to guarantee an efficient claims process.</p> <b> <p style="text-align: left;">Remain at the Accident Scene</p> </b> <p style="text-align: left;">If you&rsquo;re in an accident, stay at the scene until the police inform you they have all the information they need and you&rsquo;re free to leave.&nbsp; Departing from the scene of an accident could result in violations or criminal charges, especially if there are substantial injuries or damage involved.&nbsp; Usually, the police judge the severity of the accident, injuries, and damage sustained by both parties and will file that information in their report.&nbsp; If the police do not feel the damage is sufficient, you will be responsible for filing the accident report.&nbsp; Remember to be honest and thorough to ensure accuracy in your report.&nbsp; If you cannot move your accident off the roadway, turn on your hazard lights or use flairs and cones to make certain others drivers will see you and avoid the accident scene.</p> <b> <p style="text-align: left;">Do Not Admit Responsibility</p> </b> <p style="text-align: left;">Even if you think you&rsquo;re responsible for the accident, <b>never admit fault.&nbsp; </b>Auto accidents are never as cut and dry as they appear.&nbsp; Determining factors may arise during the claims process which will indicate you&rsquo;re less liable than originally thought.&nbsp; You should avoid discussing who is responsible with the other driver, and leave investing responsibility to a claims professional.</p> <b> <p style="text-align: left;">Collect Essential Information</p> </b> <p style="text-align: left;">After any auto accident, you should acquire the following information:</p> <p style="text-align: left;">&bull; <b>From the other party:&nbsp; </b>You&rsquo;ll need their name, address, driver&rsquo;s license number, policy number, a phone number to file claims at their insurance company, make and model of their vehicle, and their license plate number including the state it belongs to.&nbsp; Most, if not all, of this information can be found on their insurance card.</p> <p style="text-align: left;">&bull; <b>From any witnesses willing to come forward:&nbsp; </b>You will also need their name, address, and telephone number.&nbsp; Be sure you give this information to your adjuster as soon as your claim is assigned to one.</p> <p style="text-align: left;">&bull; <b>From the Police:&nbsp; </b>Request a business card and an &ldquo;incident number&rdquo; from the officers who respond to your accident.</p> <p style="text-align: left;">&bull; <b>At the location of the accident:&nbsp; </b>Take notes, or photos, of where the accident happened.&nbsp; Include the road condition, speed limit, and traffic conditions.&nbsp; You will also</p> <p style="text-align: left;">need to indicate time of day as well as weather conditions.</p> <p style="text-align: left;">&bull; <b>From the accident:&nbsp; </b>Take notes on the direction of travel (i.e. I was traveling East on Main Street) and how both cars were being operated at the time of the accident (i.e. I was stopped, waiting to turn left onto Smith Drive and the other driver was turning off of Smith Dr onto Main Street).&nbsp; If your claim goes into litigation, these notes will become evidence during those proceedings.</p> <b> <p style="text-align: left;">If you Sustain Injuries</p> </b> <p style="text-align: left;">Accept onsite medical treatment from paramedics or visit your doctor as soon as possible.&nbsp; Taking chances with your health can cost you. Always let a professional evaluate whether or not you&rsquo;ve been injured in an accident.&nbsp; Not everything can be chalked up to a stiff back, or &ldquo;just a little achy&rdquo;.&nbsp; These can be indications of a serious injury that will require treatment down the road.&nbsp; Without a diagnosis from a medical professional immediately following the accident, which indicates you were injured during the collision, these damages will have to be covered out of pocket if they become worse.<br /> <br /> For more information about this article&nbsp;or to request an insurance quote for your auto, home, life, or business in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p style="text-align: left;"><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i>&nbsp;Insurance Technologies Corporation</i></strong><em>&nbsp;</em>publish the opinions of expert authorities in many fields.&nbsp; But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs.&nbsp; Always consult a competent professional for answers to your specific questions.</p> <p>Content under license to Hamilton Insurance Group, Copyright 2011 Insurance Technologies Corporation</p>urn:uuid:3ae74273-88c9-4f48-b7ac-fa1bc2c2cfe3Winter weather conditions can make driving hazardous. Watch these helpful tips for a safe winter drive:&nbsp; http://www.youtube.com/watch?v=oyU_rbwZex8 For more information about these tips&nbsp;or to request an insurance quote for your auto, home, ...Thu, 08 Dec 2011 11:04:42 -0600Winter weather conditions can make driving hazardous. Watch these helpful tips for a safe winter drive:&nbsp; <a href="http://www.youtube.com/watch?v=oyU_rbwZex8">http://www.youtube.com/watch?v=oyU_rbwZex8</a><br /> <p>For more information about these tips&nbsp;or to request an insurance quote for your auto, home, life, or business in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group</i></strong><strong><i>&nbsp;</i></strong>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p>urn:uuid:8ecff7b3-88fb-4d5b-9e1b-7c50b68adadfHousehold Magic Daily Tips From Joan &amp; Lydia Wilen Start by blow-drying the gum with your hair dryer on the warm (not hot) setting. You want to melt the gum, not the carpet&rsquo;s fibers. As soon as the gum seems very gooey, put a small plastic ...Wed, 30 Nov 2011 10:17:21 -0600Household Magic Daily Tips From Joan &amp; Lydia Wilen<br /> <p style="margin-top: 0px;">Start by blow-drying the gum with your hair dryer on the <em>warm</em> (not<em> hot</em>) setting. You want to melt the gum, not the carpet&rsquo;s fibers. As soon as the gum seems very gooey, put a small plastic bag around it and gently pull off the bag, bringing the gum with it. </p> <p style="margin-top: 0px;">Repeat the process until all of the gum is out of the carpet, or there&rsquo;s just a stubborn little bit left. For that little bit, work in a dab of petroleum jelly, rolling the gum into it. Then wash the spot with a gentle laundry detergent formulated to fight grease. Finally, rinse with water and blot dry.</p> <p id="yui_3_2_0_1_1322668706254272" style="margin-top: 0px;"><strong><em>Caution:</em></strong> Petroleum jelly may stain the carpet, so be sure to do a spot-test first.</p> <p>For more information about this tip&nbsp;or to request an insurance quote for your auto, home, life, or business in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <br />urn:uuid:11e86493-7f84-4030-ad7d-5f222a030ba2Millions of Americans are expected to remodel their homes this year as they wait out the return of a robust home selling market. Angie&rsquo;s List surveyed top remodelers and real estate professionals to determine which remodeling projects result in...Thu, 24 Nov 2011 00:00:10 -0600<p>Millions of Americans are expected to remodel their homes this year as they wait out the return of a robust home selling market.</p> <p><a href="http://www.angieslist.com/">Angie&rsquo;s List</a> surveyed top remodelers and real estate professionals to determine which remodeling projects result in the best return on investment when it comes time to sell your home.</p> <p>&ldquo;Well-planned and executed home improvements make your house more livable while you live there, and they boost your home&rsquo;s resale value,&rdquo; says Angie Hicks, founder of Angie&rsquo;s List, the nation's premier provider of consumer reviews on local service companies.</p> <p>&ldquo;If you&rsquo;re investing in your home specifically to help sell it, focus your dollars on the things that will really wow a potential buyer.&rdquo;</p> <p><strong>Home remodeling projects with the highest return on investment</strong></p> <ol> <li><strong> The Kitchen</strong> &ndash; Whether it&rsquo;s a major overhaul or a simple makeover, putting a fresh face on your kitchen is your best investment. Maximize your return, by limiting your project cost to no more than 20 percent of the value of your home. Expect an 85 percent return on your investment.</li> <li><strong> The Bathroom</strong> &ndash; An outdated bathroom can spoil a sale. Current trends have homeowners installing large showers instead of garden tubs. A major update could cost less than $20,000, but it should yield an 80 percent return.</li> <li><strong> Decks</strong> &ndash; A new deck can cost a few thousand to tens of thousands of dollars, depending on size and materials used. Before you build, look at other homes in your area and build accordingly. If the deck is in good shape, your return could be more than 80 percent.</li> <li><strong> Siding</strong> &ndash; If your home&rsquo;s fa&ccedil;ade is siding and it&rsquo;s not in good shape, replacing or repairing the siding can bring instant freshness. You&rsquo;ll likely spend at least $10,000, but you should get at least 80 percent back.</li> <li><strong> Window replacement</strong> &ndash; The energy efficiency of new windows is a clear benefit to switching out older windows, but in some cases, it&rsquo;s a safety feature, too. Costs depend on the number of windows you&rsquo;re replacing, of course, and the type. Expect a return on your investment of at least 70 percent.</li> </ol> <p >&ldquo;Don&rsquo;t settle for a company without a great local reputation or references you can verify,&rdquo; Hicks says. &ldquo;Wait for the right contractor.&rdquo;</p> <p>For more information about this article&nbsp;or to request an insurance quote for your auto, home, life, or business in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.<br /> <br /> Visit <a href="http://www.angieslist.com/">Angie&rsquo;s List</a> for consumer reviews on highly rated contractors, builders and other service professionals.<br /> <br /> Reprinted with permission from Angie's List.</p>urn:uuid:35f64d29-b335-479f-95fd-b09384668a40Joan &amp; Lydia Wilen If you&rsquo;re displaying a flag for Veterans Day, be sure to heed the tip below... When it&rsquo;s raining, cotton or wool flags should not be left outside. However, flags can be flown in inclement weather if made of all-wea...Fri, 11 Nov 2011 09:17:40 -0600Joan &amp; Lydia Wilen<br /> <br /> <p style="margin-top: 0px;">If you&rsquo;re displaying a flag for Veterans Day, be sure to heed the tip below...</p> <p id="yui_3_2_0_1_1321024044178139" style="margin-top: 0px;">When it&rsquo;s raining, cotton or wool flags should not be left outside. However, flags can be flown in inclement weather if made of all-weather material. If a flag cannot be illuminated at night with a spotlight, porch light or streetlamp, take it down at sunset.<br /> <br /> For more information about this&nbsp;tip&nbsp;or to request an insurance quote for your auto, home, life, or business in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p id="yui_3_2_0_1_1321024044178139" style="margin-top: 0px;"><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p id="yui_3_2_0_1_1321024044178139" style="margin-top: 0px;"><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <p id="yui_3_2_0_1_1321024044178139" style="margin-top: 0px;">&nbsp;</p>urn:uuid:385b260e-3061-4185-a4d4-eb0764e2804f<img src='http://bottomlinesecrets.com/images/bullets/blue_bullet.gif' align='left' />Tom Torbjornsen Even the smartest people sometimes feel foolish when speaking with car mechanics. We often say yes to maintenance services because we figure that the auto mechanic knows what is best for our cars. However, car owners sometimes oversp...Wed, 09 Nov 2011 22:56:34 -0600Tom Torbjornsen<br /> <br /> <p class="noindent">Even the smartest people sometimes feel foolish when speaking with car mechanics. We often say yes to maintenance services because we figure that the auto mechanic knows what is best for our cars. However, car owners sometimes overspend ­because less-than-honest auto repair shops talk them into services that their cars don&rsquo;t really need. They also may not understand that today&rsquo;s vehicles have different needs than those of decades past.</p> <p>Among the most common money-wasting mistakes car owners make... </p> <p style="text-align: center; color: #0618aa; text-transform: uppercase; font-size: 14px; font-weight: bold;">FLUID FLUSHES</p> <p>Some quick-lube shops, independent mechanics and car dealerships pressure car owners into replacing automotive fluids that still are perfectly fine. In some cases, this will mean draining the fluids... in others, they might recommend actually flushing the system out completely, cleaning out virtually every drop of the old fluid. In either case, these services can cost $70 to $150 or more apiece.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Brake fluid flushes.</strong> Don&rsquo;t trust a shop that recommends you flush your brake fluid regularly. Brake fluid can last as long as your vehicle. There are exceptions, however. Your brake fluid might legitimately need to be flushed if moisture gets into the system or the brake fluid has overheated.</p> <p><strong><em>What to do:</em></strong> Visually inspect your brake fluid once or twice a year, or ask a mechanic you trust to do so when you stop by for some other service. Brake fluid should be clear or translucent. If the fluid is rust-colored, moisture might have gotten in and a flush might be warranted. If your brake fluid is black or has a burnt smell, your braking system likely has a problem that requires a mechanic&rsquo;s attention, not just a flush. If it is below the recommended level, it might have a leak.</p> <p>If the brake fluid is clear or translucent, does not smell burnt and is at the correct level, agree to a flush only if your vehicle&rsquo;s maintenance schedule calls for it, which is rare.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Power steering fluid flushes.</strong> Power steering fluid can last the life of a vehicle, too, unless otherwise noted in the vehicle&rsquo;s maintenance schedule.</p> <p><strong><em>What to do:</em></strong> Inspect the fluid once or twice a year, or ask a trusted mechanic to do so for you. It should be flushed and replaced if it smells burnt or you see black grime or metal flakes in the fluid -- shining a light into the reservoir can help you spot these flakes. There could be an underlying problem that requires a mechanic&rsquo;s attention as well. Otherwise there&rsquo;s no need for the flush.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Transmission fluid flushes.</strong> Automatic transmission fluid should be flushed occasionally -- but some disreputable quick-lube shops recommend these flushes to seemingly every customer who comes in for an oil change. Most of those flushes are completely unnecessary and in some cases, might even hurt the transmission.</p> <p><strong><em>What to do:</em></strong> Have your transmission fluid flushed every 35,000 miles or so. Make sure that the shop replaces the filter when it changes the fluid. Some ­automakers say a transmission fluid flush isn&rsquo;t necessary until perhaps 100,000 miles, but transmission fluid is an oil and oil can break down over time, so this is one situation where it makes sense to err on the side of caution.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Engine oil flushes.</strong> Ask some quick-lube shops and mechanics for a $25 oil change, and they will try to sell you a $100 to $200 engine oil flush. They&rsquo;ll claim this is the only way to clear years of sludge out of the engine. Trouble is, any sludge that an oil flush does dislodge could clog the oil pump pickup screen, causing more problems than it solves.</p> <p><strong><em>What to do:</em></strong> Have your oil changed, not flushed. Get oil changes according to your vehicle&rsquo;s maintenance schedule -- that&rsquo;s likely every 5,000 miles or 7,500 miles, not every 3,000 miles, the old rule of thumb. Lean toward a high-quality synthetic oil, such as AMSOIL or Mobil 1, assuming that synthetic oils are recommended as an option in your vehicle&rsquo;s owner&rsquo;s manual. These cost a few dollars more but do a far superior job protecting your engine.</p> <p style="text-align: center; color: #0618aa; text-transform: uppercase; font-size: 14px; font-weight: bold;">UNNEEDED CLEANINGS</p> <p>Keeping a car clean might seem like a wise investment, but in some cases it&rsquo;s money misspent.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Brake system cleanings.</strong> This typically involves taking the brakes apart and washing or even sandblasting the components, usually at a cost upward of $100. It&rsquo;s probably unnecessary. Modern braking systems are designed to pretty much take care of themselves without this treatment.</p> <p><strong><em>What to do:</em></strong> Don&rsquo;t agree to this unless it is recommended by a mechanic you trust and your vehicle has experienced a braking problem, such as a high-pitched squealing even though the brake pads are not yet worn out, which could be a sign that glazing has developed on the brake parts.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Fuel system cleanings.</strong> Quick-lube shops sometimes recommend these ­every 5,000 or 10,000 miles. They inevitably claim that this $100-to-$150 service will pay for itself in improved gas mileage. That&rsquo;s true only if the fuel injectors were badly clogged. Fuel injectors can become clogged and require cleaning, but this generally happens slowly.</p> <p><strong><em>What to do:</em></strong> Get a fuel system cleaning every 35,000 miles or so. Anything more is overkill. Have this work done by a mechanic in a fully equipped shop that appears very well-stocked with modern-looking computerized equipment. Doing fuel system cleanings properly requires specialized equipment, tools and know-how that many shops lack.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Any service offered by a car wash beyond the wash itself.</strong> The paint sealants, protectants, under-car sealant and color waxes that car washes offer tend to be virtually worthless. They&rsquo;re likely to wash away the first time the car is out in the rain.</p> <p><strong><em>What to do:</em></strong> The only service worth paying for at a car wash is a car wash.</p> <p style="text-align: center; color: #0618aa; text-transform: uppercase; font-size: 14px; font-weight: bold;">BUT DON&rsquo;T CUT CORNERS</p> <p>Sometimes not spending enough on vehicle maintenance ends up costing car owners. Examples... </p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Buying generic brake pads or delaying brake pad replacement.</strong> Low-­quality brake pads will wear out faster than higher-quality pads. That means you&rsquo;ll have to return to the shop sooner to replace them, more than offsetting any money saved by buying the cheaper part.</p> <p>Delaying brake pad replacement or using low-quality brake pads also can increase the wear on the brake rotors. That could force you to replace both the pads and rotors, which could easily double or triple the cost of the brake job. Using worn-out or low-quality brake pads also could reduce your ability to bring your vehicle to a stop in an emergency.</p> <p><strong><em>What to do:</em></strong> Replace your brake pads as soon as they have worn down to less than one-quarter inch in depth. It might be time to replace the pads if your brakes consistently screech, too -- perfectly good brake pads might screech on wet days, but if the brake pads are still good, that screeching likely will not persist throughout a long trip or once the weather dries up. Opt for high-quality brake pads, such as those made by Wagner (800-325-8886, <a href="http://www.federalmogul.com/" target="_blank">www.FederalMogul.com</a>) or Bendix (<a href="http://www.bendixbrakes.com/" target="_blank">www.BendixBrakes.com</a>). These typically cost $15 to $20 more per pad than the generics, but that&rsquo;s a small price to pay for longer pad life, longer rotor life and greater safety. The original-equipment brake pads sold by dealerships likely are fine, too, but might be expensive.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Not replacing the air filter regularly.</strong> There&rsquo;s no good excuse for not replacing your vehicle&rsquo;s air filter ­every 10,000 to 12,000 miles. Air filters are inexpensive -- usually $15 to $20 -- and putting in a new one is a simple do-it-yourself job in most vehicles. If you don&rsquo;t want to do this yourself, a mechanic should be able to do this for you for the cost of the filter and a half-hour&rsquo;s labor or less. Continue to use a dirty air filter, and you cost yourself money by reducing your car&rsquo;s fuel efficiency.</p> <p><strong><em>What to do:</em></strong> If you want to minimize the long-term cost and hassle of replacing air filters, buy a K&amp;N air filter (800-858-3333, <a href="http://www.knfilters.com/" target="_blank">www.KNFilters.com</a>). These typically cost $40 to $60, but unlike conventional paper air filters, they can provide excellent fuel efficiency and filtration for the life of your vehicle. Just clean them every 50,000 miles using a K&amp;N cleaning kit designed for the purpose. The kits cost around $10 to $12 and last for many cleanings.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Washing your car with household soap.</strong> Common household soaps, such as dishwashing soap, might remove the wax coating from a vehicle or otherwise damage its finish.</p> <p><strong><em>What to do:</em></strong> Wash your car only with pH-neutral wash solutions specifically designed for use on vehicles. These are available in auto-parts stores and in the auto sections of discount stores. Or take the car to a car wash.<br /> <br /> For more information about this article&nbsp;or to request an insurance quote for your auto, home, life, or business in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> begin_of_the_skype_highlighting</b><b>&nbsp;</b><b>end_of_the_skype_highlighting</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <hr width="60%" color="#c7c7c7"> </hr> <div class="footnote"><em><strong>Bottom Line/Personal</strong></em> interviewed Tom Torbjornsen, host of <em>America&rsquo;s Car Show with Tom Torbjornsen</em> on the SSI Radio Network. He spent nearly two decades as an automotive technician, service manager and auto service center manager. Based in Jamestown, New York, Torbjornsen is maintenance editor for <em>AOL Autos</em> and author of <a href="http://www.amazon.com/exec/obidos/ASIN/0760337969/blpnet" target="_blank"><em>How to Make Your Car Last Forever</em></a> (Motorbooks). <a href="http://www.americascarshow.com/" target="_blank">www.AmericasCarShow.com </a><br /> <br /> <br /> </div>urn:uuid:3e83ec66-bca1-401e-92c9-8b0f164a2031We have moved our office! Hamilton Insurance Group is&nbsp;proud to announce that we have&nbsp;relocated our&nbsp;office at 3131 Custer Drive&nbsp;to better serve you!&nbsp; Please feel free to stop in and see our new office&nbsp;at 401 Lewis Hargett...Sun, 30 Oct 2011 16:21:45 -0500<h1><b>We have moved our office!</b></h1> <p class="home">Hamilton Insurance Group is&nbsp;proud to announce that we have&nbsp;relocated our&nbsp;office at 3131 Custer Drive&nbsp;to better serve you!&nbsp; Please feel free to stop in and see our new office&nbsp;at 401 Lewis Hargett Circle, Suite 130, Lexington, KY 40503&nbsp;(just off West Reynolds Road, across from Meijer,&nbsp;at the corner of Ruccio Way and Lewis Hargett Circle!).&nbsp; For directions, click <a href="http://g.co/maps/68wew">here</a>.&nbsp; We look forward to your visit!&nbsp; Tim Hamilton, LUTCF, Owner&nbsp;and Principal Agent&nbsp;</p>urn:uuid:a405fee2-acb7-4418-8d79-87c6b6ca16cdHousehold Magic Daily Tips From Joan &amp; Lydia Wilen How many times have you sealed an envelope&mdash;and then realized that you forgot to enclose something? Place the sealed envelope in the freezer for about three hours. When you take it out, sli...Sat, 15 Oct 2011 10:00:10 -0500<p style="margin-top: 0px;">Household Magic Daily Tips<br /> From Joan &amp; Lydia Wilen<br /> <br /> How many times have you sealed an envelope&mdash;and then realized that you forgot to enclose something?</p> <p style="margin-top: 0px;">Place the sealed envelope in the freezer for about three hours. When you take it out, slip a knife under the flap and you should be able to open it neatly. Then repackage it and reseal it.<br /> <br /> For more information about this tip&nbsp;or to request an insurance quote for your auto, home, life, or business in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p style="margin-top: 0px;"><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p style="margin-top: 0px;"><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p>urn:uuid:dfa02e77-d87f-4dc1-931c-8df4a585b266A Shortage Has Raised Prices 19.2% Phil Reed Edmunds.com Special from Bottom Line/Personal August 15, 2011 Cars traditionally keep declining in value from the moment they are driven off the dealership lot. But the resale value of many used cars has...Mon, 10 Oct 2011 22:34:12 -0500<div class="subtitle">A Shortage Has Raised Prices 19.2%</div> <p><strong>Phil Reed</strong><br /> Edmunds.com<br /> <br /> Special from <a href="http://www.bottomlinesecrets.com/store/pubs/sub_blp.html?sid=article">Bottom Line/Personal</a><br /> August 15, 2011<br /> <br /> Cars traditionally keep declining in value from the moment they are driven off the dealership lot. But the resale value of many used cars has climbed significantly in the past year. Fuel-efficient used compact cars have done especially well, with prices rising by 19.2% in 12 months -- but even gas-thirsty used cars have risen in value. </p> <p>Blame the weak economy, which has altered the usual used-car supply/demand balance. Cost-conscious car buyers increasingly are opting for used cars rather than stretching their budgets for new ones... while equally economical car owners are driving their current vehicles longer before replacing them, reducing the number of used cars on the market. </p> <p>Other factors include the government&rsquo;s Cash for Clunkers program, which pulled hundreds of thousands of used cars off the market two years ago, and the tsunami that struck Japan in March, disrupting the supply of new cars and further increasing the demand for used ones. </p> <p>Used-car values are likely to retreat slightly from their current lofty levels this fall -- as 2012-model-year vehicles come on the market -- but they probably will remain high by historical standards for at least a few years. <br /> <br /> Taking advantage of high used-car prices can be tricky, however. New car prices are high these days, too, so selling a used car and then buying a new one isn&rsquo;t necessarily a smart move. Three smart ways car owners can cash in...</p> <p><strong>1. Get by with fewer cars.</strong> Retired couples and families who live near good public transit systems or car-sharing programs such as Zipcar (866-494-7227, <a href="http://www.zipcar.com/" target="_blank">www.Zipcar.com</a>) often don&rsquo;t need a separate car for every driver. Such households could sell a ­vehicle for top dollar now and put off buying a replacement until prices pull back or even not replace it at all. They also will save money on auto insurance and vehicle registration costs in the interim. </p> <p><strong><em>Example:</em></strong> My family had an extra car because my wife now walks to work and one of my teenage sons is overseas for a year. We sold our 2007 Honda Fit Sport for $11,500 -- just $4,200 less than we had bought it for new five years earlier. </p> <p><strong><em>Selling strategy:</em></strong> Sell a fuel-efficient vehicle if possible, because these are fetching the best prices. </p> <p>However, used-vehicle values are changing so rapidly these days that setting an appropriate asking price can be tricky. If you live near one of the more than 100 outlets of the car-selling and car-buying chain CarMax (800-519-1511, <a href="http://www.carmax.com/" target="_blank">www.CarMax.com</a>), bring in the car and ask what CarMax would pay for it. Then list the car for sale in the local newspaper or in eBay&rsquo;s free classifieds (<a href="http://www.ebayclassifieds.com/" target="_blank">www.eBayClassifieds.com</a>) for $1,000 or so more than CarMax offered. </p> <p>If no one offers more than CarMax within a week, return to CarMax and accept its offer, which is valid for seven days. If you don&rsquo;t live near a CarMax, check what similar vehicles are listed for in the local newspaper or on eBay.</p> <p><strong>2. Trade up to a larger vehicle.</strong> If you want a larger car, this might be a good time to get one. While fuel-efficient used cars have increased in value, demand for used gas guzzlers is relatively weak. You might be able to sell a small car and buy a big one without kicking in much extra cash. If you don&rsquo;t drive this vehicle very much, the reduction in fuel efficiency won&rsquo;t cost you much, either. At current gas prices, if you drive only 5,000 miles annually, the difference between a car getting 20 miles per gallon (mpg) and one getting 30 mpg is about $300 per year.</p> <p><strong><em>Examples:</em></strong> Big, well-built gas guzzlers, such as the 2007 GMC Yukon (original manufacturer&rsquo;s suggested retail price of $34,675 and up) and 2007 Chevrolet Suburban ($37,000 and up), now can be found for less than $20,000. Yukons and Suburbans from 2004 and earlier often can be found for about $10,000. </p> <p><strong>3. See if it makes sense to buy the vehicle you have been leasing.</strong> Lease contracts give lessees the option of purchasing their vehicles at the end of their lease terms at some predetermined price. Traditionally this purchase price is not very attractive, but with today&rsquo;s high used-car prices, it might be less than the car is worth on the open market, particularly if it is a fuel-efficient vehicle. If you have maintained your leased car well, it might be a safer choice than buying a stranger&rsquo;s used car.</p> <p><strong><em>Warning:</em></strong> Lease contracts often make it difficult to decipher the total cost of purchasing the vehicle at the lease&rsquo;s end. There frequently are "acquisition fees" or other hard-to-spot add-on charges. Call the financing company, say that you&rsquo;re considering buying the vehicle at the end of your lease term and ask the total amount of the check that you would have to write to do this, fees included. Also, ask what financing terms the financing company could offer. It might provide a below-market loan if it wants your continued business or wants a quick sale on the vehicle. </p> <p>For more information about this article&nbsp;or to request an insurance quote for your auto, home, life, or business in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234 </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <p><em><strong>Bottom Line/Personal</strong></em> interviewed Phil Reed, senior consumer advice editor at <a href="http://www.edmunds.com/" target="_blank">Edmunds.com</a>, an auto­motive information Web site. Based in Santa Monica, California, he is author of <a href="http://www.amazon.com/exec/obidos/ASIN/0877596905/blpnet" target="_blank"><em>Strategies for Smart Car Buyers</em></a> (Edmunds). </p> <p></p> <p></p>urn:uuid:c87300ae-6ddd-4eef-ab9d-0db8ab97026cJeff Lenard National ­Association of Convenience Stores Several major grocery chains have made arrangements with Shell Oil -- one of the biggest gasoline marketers in North America-- to redeem the chains&rsquo; ­reward points for discounts at the pu...Thu, 29 Sep 2011 21:05:12 -0500Jeff Lenard<br /> National ­Association of Convenience Stores<br /> <br /> Several major grocery chains have made arrangements with Shell Oil -- one of the biggest gasoline marketers in North America-- to redeem the chains&rsquo; ­reward points for discounts at the pump. In most cases, $50 of grocery purchases produces a gas discount of five cents a gallon -- $100 in grocery purchases gives a discount of 10 cents a ­gallon. ­Participating stores include ­Bi-Lo, ­Giant, Kroger, Save Mart, Stop &amp; Shop and Winn-Dixie, as well as many regional convenience stores.&nbsp;<br /> <p>For more information about this tip&nbsp;or to request an insurance quote for your auto, home, life, or business in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p>&nbsp;</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <br /> <div class="footnote"><em><strong>Bottom Line/Personal</strong></em> interviewed Jeff Lenard, spokesperson, National ­Association of Convenience Stores, Alexandria, Virginia. <a href="http://www.nacsonline.com/" target="_blank">www.nacsonline.com</a></div> <br />urn:uuid:39421b56-ce73-4c3a-9a88-3945ffc240eeOne factor in determining the premium of a personal auto policy or a homeowners policy has nothing to do with your driving record or claims history&mdash;it's your credit record. According to Conning and Company, more than 90 percent of insurers use ...Mon, 26 Sep 2011 23:30:28 -0500<p>One factor in determining the premium of a personal auto policy or a homeowners policy has nothing to do with your driving record or claims history&mdash;it's your credit record. According to Conning and Company, more than 90 percent of insurers use an insurance applicant's credit history&mdash;his or her insurance risk score&mdash;to slot him or her into a certain program.</p> <p>When you apply for auto or homeowners insurance, the insurance company typically asks for permission to pull your credit information. The insurer then secures a credit report from one of the credit bureaus. Credit scores range from 300 to 850. If your score is below 650, you may have trouble getting insurance, or you may have to pay a higher premium. In order to improve your credit score, keep in mind the following factors that influence the score.</p> <ul> <li> <p>Payment history: The largest factor is credit and loan account payment history. A steady record of on-time payments going back several years shows responsibility.</p> </li> <li> <p>Debts owed: The number of accounts you currently have, including type and balance. Try to have just a few active accounts with low balances.</p> </li> <li> <p>Length of credit history: The longer your credit history, the better.</p> </li> <li> <p>New accounts: Every time you apply for a new account, a record of that application appears on your credit report and drops your score. Limit the number of applications you submit.</p> </li> <li> <p>Balance of accounts: It is best to have between two and six open credit cards and one or two loans.</p> </li> <li> <p>Negative records: Collections, judgments, and bankruptcy filings will drop your score.</p> </li> </ul> <p>For more information about this article&nbsp;or to request an insurance quote for your auto, home, life, or business in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group</i></strong><em> </em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p>Get more <a href="http://www.irmi.com/expert/landing-pages/personal-lines/personal-risk-management/default.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="TextAlignCenter">Copyright 2011<br /> <a href="http://www.irmi.com/default.aspx">International Risk Management Institute, Inc.</a> </p>urn:uuid:6e2745ec-06cd-43fe-a217-8a78618ce7d2Americans tend to be an optimistic bunch&mdash;which is typically a good quality to possess. A key exception, however, concerns our impressions that we are very unlikely to ever experience a devastating natural disaster. As you know, 2011 has already...Thu, 22 Sep 2011 21:57:20 -0500<p>Americans tend to be an optimistic bunch&mdash;which is typically a good quality to possess. A key exception, however, concerns our impressions that we are very unlikely to ever experience a devastating natural disaster. As you know, 2011 has already proven to be one of the very worst for natural catastrophes in decades. This reason alone should cause you to systematically consider your exposure to natural disasters and take sound action to mitigate these types of losses if one were to occur. Here are a few ideas for properly handling your exposure to natural disasters. </p> <ul> <li>Flood losses have impacted tens of thousands of people this year&mdash;particularly those near the Mississippi River and its tributaries. You can check <a href="http://www.floodsmart.gov/floodsmart/?wt.srch=1&amp;WT.mc_id=Fema_Google1" target="_blank">floodsmart.gov</a> to see if your home has a higher exposure to flooding. Remember, however, that about 33 percent of all flood losses occur outside the flood zones. Studies indicate that in the course of a home's 30-year mortgage, it has a 26 percent chance of suffering damage from a flood, compared to a 9 percent chance of a fire. If you do not have flood insurance, talk to your insurance agent about the protection provided by this policy and annual cost. </li> <li>Tornados can decimate houses, as seen in the massive storms in Missouri and numerous southern states. And yet many people fail to carry adequate dwelling limits on their home. According to one of the largest residential building cost data companies, Marshall &amp; Swift/Boeckh (MSB), 64 percent of U.S. homes are undervalued by an average of 19 percent. So if you are unsure whether you have the proper protection, ask your insurance agent about your dwelling limits and your potential for being underinsured. Note that some insurers offer guaranteed replacement cost or extended replacement cost&mdash;invaluable coverages in the event your home is destroyed. </li> <li>If your home is near an earthquake fault zone, consider procuring earthquake insurance. Here is a <a href="http://earthquake.usgs.gov/earthquakes/states/seismicity/" target="_blank">U.S. Geological Survey map</a> of the contiguous United States indicating various levels of risk. </li> <li>Develop a home disaster plan and rehearse it with your family on an annual basis.</li> </ul> <p>For more information about this insurance&nbsp;tip&nbsp;or to request an insurance quote for your auto, home, life, or business in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p>Get more <a href="http://www.irmi.com/expert/landing-pages/personal-lines/personal-risk-management/default.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="TextAlignCenter">Copyright 2011<br /> <a href="http://www.irmi.com/default.aspx">International Risk Management Institute, Inc.</a> </p>urn:uuid:f8f119bc-ade8-4730-a846-684c6604ad48<img src='http://bottomlinesecrets.com/images/bullets/blue_bullet.gif' align='left' />Simple fixes for drips&hellip; clogs&hellip; running toilets&hellip; more Terry Love Love Plumbing &amp; Remodel We don&rsquo;t think much about our plumbing until something goes wrong -- but when it does go wrong, it can turn our lives upside down....Sat, 17 Sep 2011 22:30:42 -0500<div class="subtitle">Simple fixes for drips&hellip; clogs&hellip; running toilets&hellip; more</div> <p><strong>Terry Love</strong><br /> Love Plumbing &amp; Remodel<br /> <br /> We don&rsquo;t think much about our plumbing until something goes wrong -- but when it does go wrong, it can turn our lives upside down. Leaks can cause thousands of dollars&rsquo; worth of water damage and/or mold problems that are not covered by insurance. </p> <p>Many costly plumbing problems can be prevented if home owners take some simple preventive steps. And some plumbing problems are well within the abilities of the average home owner to repair on his/her own. </p> <p>How to keep your plumbing running right and your money in your pocket...</p> <p style="text-align: center; color: #0618aa; text-transform: uppercase; font-size: 14px; font-weight: bold;">PREVENTING PROBLEMS</p> <p>Preventive maintenance moves that are worth making...</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Replace the hoses connecting your washing machine to your home&rsquo;s water supply.</strong> These hoses endure significant stress each time your washer starts or stops. They sometimes burst, flooding laundry rooms, even though they showed no prior outward signs of damage. <em>Best:</em> Replace the hoses every 10 years, even if they still look fine. Braided stainless steel replacement hoses are somewhat more dependable than rubber ones. Expect to spend $10 to $20 per hose. Another option is hoses made by FloodChek (800-845-9089, <a href="http://www.floodchek.com/" target="_blank">www.FloodChek.com</a>), which are superdurable and come with a 20-year warranty. <em>Cost:</em> $40 to $60 for a set of two.</p> <p><strong><em>Helpful:</em></strong> Shut off the water to the washing machine before removing the old hoses, and drain any water remaining in those hoses into a bucket. Once you&rsquo;ve attached the new hoses, turn the water back on, and watch for leaks at both ends of the hose to make sure that the connections are tight before pushing the machine back against the wall.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Check for small puddles under your water heater.</strong> Even tiny leaks from water heaters can signal that full-blown failure is just days or weeks away. If you spot leaking water and the water heater is at least 10 years old, buy a new water heater as soon as possible, and clear everything of value from the area so that it won&rsquo;t be damaged if the current water heater gives out before it&rsquo;s replaced. If yours is less than 10 years old, consider calling a plumber for a repair. Be aware, though, that a repair might cost $250 to $500 and a replacement water heater may not cost much more than that. </p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Watch for leaks when you turn on external faucets for the first time each spring.</strong> Ice might have caused cracks in the pipes leading to these faucets during the winter. Such leaks can occur inside the home, so head down to your basement or crawl space, and check the pipes leading to your external faucets where they exit the home.</p> <p>To reduce the odds of this ice damage in future years, shut off the water to external faucets before the first freeze, then open these faucets and disconnect any hoses. If your home does not have shut-off valves for its external faucets, buy Styrofoam faucet covers (available in home centers for around $5 apiece). These provide some insulation for faucets exposed to winter weather.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Watch for unexplained water use.</strong> If you have access to your water meter, periodically turn off all taps and water-using appliances, and then see if your meter continues turning. Monitor water bills for sudden increases, too. </p> <p>The most common problem is a running toilet. It doesn&rsquo;t just inflate water bills -- it could flood your home if the toilet clogs. (See below for strategies for fixing running toilets.) Do not assume you will hear it running. Running toilets sometimes are virtually inaudible. </p> <p style="text-align: center; color: #0618aa; text-transform: uppercase; font-size: 14px; font-weight: bold;">DO-IT-YOURSELF SOLUTIONS</p> <p>Home owners don&rsquo;t need to pay a plumber to solve these problems... </p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Dripping faucets.</strong> Most modern kitchen and bathroom faucets are what&rsquo;s known as "cartridge faucets." To stop a drip, simply replace the cartridge, which regulates water flow.</p> <p>You might not even have to purchase this replacement. Many major brands now offer lifetime guarantees and supply new cartridges for free to home owners who call their customer service phone numbers. If your faucets don&rsquo;t have this coverage, expect to pay $10 to $25 or more. </p> <p>To replace a cartridge, shut the valves below the sink to turn off the water to the faucet, then turn the faucet on to relieve any remaining water pressure. If there&rsquo;s a decorative cap on top of the faucet handle (or handles, if this is a two-handle faucet), unscrew it or (depending on the faucet model) gently pry it off. Remove the screw holding the handle in place, then remove the handle. This should provide access to the top of the cartridge, a cylindrical part usually made of brass or plastic. There&rsquo;s likely a locking nut or retaining clip holding the cartridge in place. Remove this, then remove the old cartridge. Insert the replacement, and put the faucet back together. If your faucet does not conform to the steps described above, search the manufacturer&rsquo;s Web site for specific directions. </p> <p>Some bathrooms and kitchens have older faucet styles, which fall into a few categories. You have a <em>"Delta-style" faucet</em> if the handle feels like it&rsquo;s rotating backward slightly -- not moving straight up -- when the water is turned on. You have a <em>compression two-handle faucet</em> if it feels like additional force must be applied to turn the water flow off completely. Drips in these styles of faucets often are simple to fix, too, but the parts and processes are different. Check the manufacturer&rsquo;s site for repair directions, or use <a href="http://www.google.com/" target="_blank">Google.com</a> or <a href="http://www.youtube.com/" target="_blank">YouTube.com</a> to search for directions. </p> <p>Virtually all compression faucets and most Delta-style faucets now are decades old. Drips and leaks start to become common in faucets of this age, so replacing these might make the most sense. </p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Running toilets.</strong> When a toilet won&rsquo;t stop running, it usually means that the flapper -- that plastic or rubber piece in the tank that&rsquo;s lifted up by a chain when the toilet is flushed -- is no longer sealing properly. Remove the tank&rsquo;s lid, and use a stick to gently push down on the flapper. If the toilet stops running, you&rsquo;ve identified the problem. Turn off the water to the toilet, flush to drain the tank, remove the flapper and take it to a home center to find a new one of the same size and shape. Chlorine is the culprit in most flapper failure, so it&rsquo;s worth a few dollars extra for a flapper made from advanced materials designed to stand up to the chlorine in tap water. Chlorine-resistant models often are red, not black. </p> <p>If the flapper isn&rsquo;t the problem, the toilet&rsquo;s fill valve likely is. New fill valves cost less than $20 and are easy to install. Select a reliable fill valve brand, such as Fluidmaster or Korky, and follow the installation directions that come with it. Don&rsquo;t worry if the new fill valve looks different from the one that it&rsquo;s replacing -- "float ball" fill valves have been replaced by "float cup" fill valves in recent years, but they serve the same purpose. Standard fill valves, available in any home center or hardware store, will fit most modern toilets, though some replacement fill valves are specifically designed for certain one-piece toilets. </p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Clogged toilets and drains.</strong> Most home owners buy the wrong plunger, use it incorrectly, then wonder why they have trouble clearing clogs. Instead of the traditional red dome plunger, select one with a fold-out black rubber flange that, when extended, reduces the diameter of the plunger&rsquo;s mouth to approximately two inches so that it forms a tighter seal with the toilet bowl opening. The insert can be left tucked in when dealing with a clogged sink or tub drains.</p> <p>Home owners often use too much force with a plunger. Strenuous plunging is likely to break the plunger&rsquo;s seal with the toilet or drain, reducing suction. Instead, position the plunger in the toilet or over the drain, and help it create a seal by vibrating it in and out a few times by just a half inch or so. Then gently pull the plunger up to remove the clog. </p> <p><strong><em>Helpful:</em></strong> A closet auger (also called a toilet auger), which has a flexible cable and a crank handle to maneuver the cable, is another good tool for clearing clogs, but augers sold in home centers often have 7/8-inch-wide heads -- so small that they pass right through clogs without moving them. Select an auger with a head approximately 1-3/8 inches in width at a plumbing-supply store. </p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Low flow from a faucet or showerhead.</strong> This often is caused by sediment buildup. Remove the showerhead or faucet&rsquo;s aerator -- the aerator is the small screen screwed into the end of the faucet. If this requires the use of a wrench, apply a few layers of masking tape or duct tape to the faucet or showerhead to reduce the odds that you&rsquo;ll scratch the finish. Clean the aerator or showerhead with an old toothbrush, and soak it in white vinegar if necessary. If the aerator won&rsquo;t come clean, buy a replacement.</p> <p><strong><em>Smart:</em></strong> Shut the sink&rsquo;s drain before removing the aerator so that small parts won&rsquo;t be lost. <br /> <br /> </p> <p>For more information about this article&nbsp;or to request an insurance quote for your auto, home,&nbsp;life, or&nbsp;business&nbsp;in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.BottomLineSecrets.com" target="_blank">www.BottomLineSecrets.com</a></b></p> <div class="footnote"><em><strong>Bottom Line/Personal</strong></em> interviewed Terry Love, owner of Love Plumbing &amp; Remodel in Bellevue and Bothell, Washington. He has been a plumber since 1974 and runs a popular Internet forum on plumbing issues at <a href="http://www.terrylove.com/" target="_blank">www.TerryLove.com</a>.</div>urn:uuid:9edc8cb3-98cc-4e33-8b33-32d90aab63adMany Americans own valuable antiques, which are often inadequately insured under a standard homeowners policy. Homeowners policies may contain restrictive limits and coverage for these valuable items, and the valuation may only be provided on an actu...Tue, 13 Sep 2011 20:37:49 -0500<p>Many Americans own valuable antiques, which are often inadequately insured under a standard homeowners policy. Homeowners policies may contain restrictive limits and coverage for these valuable items, and the valuation may only be provided on an actual cash value basis. Even if the personal property replacement cost endorsement is added to a homeowners policy, the endorsement explicitly lists antiques, fine arts, paintings, and memorabilia as ineligible properties. Coverage is also restricted to a limited number of perils. For example, the homeowners policy does not provide any personal property coverage for breakage or accidental scratching. If you possess extensive and valuable antiques or fine arts, the following tips may prove helpful.</p> <ul> <li>Properly inventory and document your antiques and other collectibles. Videotaping should also be utilized; be sure to videotape the item from every angle. </li> <li>Arrange an appointment with your insurance agent to review your antique and fine arts coverage. Bring as much information about your portfolio as possible, including photos and any appraisals. </li> <li>Consider utilizing the services of an experienced appraiser who specializes in antiques. Some antique and fine art dealers perform free general value assessments online for lesser-value pieces if acceptable photos and descriptions are provided. For extremely valuable items, most appraisers want to personally inspect the piece, which normally involves a fee. All appraisals should be prepared in accordance with the codes and requirements of the American Society of Appraisers and the American Appraisers Association. High-quality appraisals normally include a description and comment on the antique, an auction value of the item, and a replacement value. </li> <li>For valuation assistance on less valuable or more common items, consider visiting eBay and other Internet auction sites to help establish various items' market value. An examination of the item's closing price, not its initial asking price, is more representative of its true value. </li> <li>Ask your agent about procuring a personal inland marine policy or endorsement that can be added to your homeowners policy. This policy/endorsement allows you to schedule your items on an agreed valued basis established by the appraisal and gives you much broader coverage than the homeowners policy provides. Note that this special coverage may also have a breakage exclusion, which may be eliminated for an extra premium. </li> <li>Take steps to safeguard your collection, with adequate security precautions and appropriate storage.</li> </ul> <p>For more information about this article&nbsp;or to request an auto, home, life, or business insurance quote in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><br /> <strong><strong><i><br /> Disclaimer: Hamilton Insurance Group</i></strong><em> </em>publishs the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</strong></p> <p>Get more <a href="http://www.irmi.com/expert/landing-pages/personal-lines/personal-risk-management/default.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="TextAlignCenter">Copyright 2011<br /> <a href="http://www.irmi.com/default.aspx">International Risk Management Institute, Inc.</a> </p>urn:uuid:365346da-1cf8-43d9-93be-aeedc31c3a0aSteve Pomper Motorists rarely talk their way out of traffic tickets -- but they do sometimes talk their way into them. They say things that annoy or anger police officers who might otherwise have let them off with a warning. Six things never to say ...Sat, 10 Sep 2011 22:25:51 -0500<strong>Steve Pomper</strong><br /> <br /> Motorists rarely talk their way out of traffic tickets -- but they do sometimes talk their way into them. They say things that annoy or anger police officers who might otherwise have let them off with a warning. Six things never to say to a police officer when you&rsquo;re pulled over... <p><strong>"Whatever."</strong> Officers feel disrespected when drivers dismiss them with a casual "whatever." That disrespect virtually ensures that they will receive tickets.</p> <p><strong>"I wasn&rsquo;t speeding."</strong> Police officers are lied to so often that they tend to assume claims such as "I wasn&rsquo;t speeding" or "I didn&rsquo;t run that light" are dishonest. They even might interpret such denials as accusations that they are lying or incompetent. Drivers are more likely to be let off with warnings when they admit that they did something wrong. Do not admit to an infraction if you truly believe you are innocent, however.</p> <p><strong>"I know the mayor."</strong> Never say to a police officer, "I know the mayor," "I know your captain" or "I know my rights." Police officers aren&rsquo;t afraid of your powerful friends, and attempting such a power play increases the odds that the officer will write a ticket.</p> <p><strong>"I&rsquo;m calling my lawyer."</strong> Saying that you intend to call your lawyer will not scare a police officer -- it will just annoy him/her. Police officers deal with lawyers all the time and are not frightened by them. It&rsquo;s even worse to tell a police officer that you are a lawyer or are married to one -- some police officers may relish the opportunity to write you a ticket.</p> <p><strong>"I&rsquo;m headed to the DMV."</strong> You would be amazed how often police officers hear, "I&rsquo;m headed to the inspection station" or "to the DMV" when they pull over a vehicle that has an expired inspection sticker or registration. They hear it so often, in fact, that they assume it&rsquo;s a lie. The one "I&rsquo;m headed to" that might get you out of a ticket is "I&rsquo;m headed to the hospital" -- but only if someone in the car truly looks injured, ill or about to give birth and only if you actually intend to drive to the hospital.</p> <p><strong>"Others were driving faster."</strong> The fact that many drivers break the rules doesn&rsquo;t mean that there aren&rsquo;t any rules. A police officer wouldn&rsquo;t let a burglar go just because other burglars have gotten away with their crimes. Making this argument shows a lack of contrition, increasing the odds that the officer will write a ticket.<br /> <br /> For more information about this article&nbsp;or to request a home, life,&nbsp;business or auto insurance quote in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.BottomLineSecrets.com" target="_blank">www.BottomLineSecrets.com</a></b></p> <p><em><strong>Bottom Line/Personal</strong></em> interviewed Officer Steve Pomper, who has been with the Seattle Police Department for 19 years. He is author of <a href="http://www.amazon.com/exec/obidos/ASIN/B001QCXB0M/blpnet" target="_blank"><em>Is There a Problem, Officer? A Cop&rsquo;s Inside Scoop on Avoiding Traffic Tickets</em></a> (Lyons Press) <a href="http://www.stevepomper.com/" target="_blank">www.StevePomper.com</a> </p>urn:uuid:7d6a70f7-e888-49d6-bd0b-9f507332f409September is Life Insurance Awareness Month. You can be the reason your family's future is safe and sound. Give us a call @ 859-276-1234&nbsp;to learn more about protecting your loved ones with life insurance.Fri, 09 Sep 2011 22:30:02 -0500<p style="text-align: left;">September is Life Insurance Awareness Month. You can be the reason your family's future is safe and sound. Give us a call @ 859-276-1234&nbsp;to learn more about protecting your loved ones with life insurance.</p>urn:uuid:5598b35a-b68d-494a-bfe0-f43edfef3a19Each year the LIFE Foundation picks a celebrity to represent Life Insurance Awareness Month (LIAM).&nbsp; This year&rsquo;s speaker is two-time NBA champion Lamar Odom. Use the link below to hear Lamar talk about the effect life insurance has had on ...Thu, 01 Sep 2011 22:24:26 -0500<p dir="LTR"><span style="font-size: 13px;">Each year the LIFE Foundation picks a celebrity to represent Life Insurance Awareness Month (LIAM).&nbsp; This year&rsquo;s speaker is two-time NBA champion Lamar Odom. Use the link below to hear Lamar talk about the effect life insurance has had on his life and what happened to him when his mother passed away from colon cancer when he was just 12 years old.&nbsp; Click </span><a href="http://www.youtube.com/watch?v=URLPkhiv6Oo" target="_blank" re_target="null"><span style="font-size: 13px;">here</span></a>&nbsp;to access the video.<br /> <br /> <span style="font-size: 13px;">To discuss your life insurance needs, Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go on-line at </span><a href="http://www.timhamiltoninsurance.net/life/default.aspx " target="_blank" re_target="null"><strong><span style="font-size: 13px;">www.TimHamiltonInsurance.net</span></strong></a>&nbsp;<strong>or&nbsp;<a href="http://www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office.html" target="_blank" re_target="null">www.Nationwide.com/TimHamilton</a></strong><br /> <br /> <strong><i>Disclaimer: Hamilton Insurance Group</i></strong><em> </em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p>&nbsp;</p>urn:uuid:5d5777f7-0752-4198-8c51-3ab4a947a4bbHow to Make Wood,Tile, Vinyl Last Longer and Look Better Don Vandervort HomeTips.com Foot traffic and spills can leave your floors looking worn and damaged, which can make your whole house seem old and unwelcoming. Good news: Proper floor care and ...Wed, 31 Aug 2011 22:20:55 -0500<div class="subtitle">How to Make Wood,Tile, Vinyl Last Longer and Look Better </div> <br /> <strong>Don Vandervort<br /> </strong>HomeTips.com<br /> <p class="noindent">Foot traffic and spills can leave your floors looking worn and damaged, which can make your whole house seem old and unwelcoming.</p> <p><em><strong>Good news:</strong></em> Proper floor care and restoration can help you regain your floor&rsquo;s lost luster, avoiding the expense of replacement. But unbeknownst to many home owners, floor-care rules have changed&mdash;the things we used to do to keep floors looking great can make today&rsquo;s floors look worse or fail faster.</p> <p><em><strong>Example:</strong></em> Many home owners wax their vinyl, linoleum, ceramic tile or wood floors or use one-step clean-and-wax products&mdash;but most modern versions of these floors have polyurethane finishes. Applying wax over a polyurethane finish generally is not the best way to restore the floor&rsquo;s shine. In the case of wood floors, waxing might prevent the floor from ever being effectively recoated with polyurethane again, unless the floor is sanded down first.</p> <p>Not certain if your floor should be waxed? Thoroughly clean a section with a damp white cloth, apply mineral spirits to a rag, then rub the rag against the floor. If a smudge appears on the rag, the floor has been waxed previously and can be again. If there&rsquo;s no smudge, the floor likely has a polyurethane finish and waxes should be avoided. Conduct this test in an out-of-the-way corner&mdash;it sometimes leaves a slight mark.</p> <p><em>Today&rsquo;s smart strategies to care for and resuscitate floors...</em></p> <p style="text-align: center; color: #0618aa; text-transform: uppercase; font-size: 14px; font-weight: bold;">VINYL, LINOLEUM AND PLASTIC LAMINATE</p> <p>Dirt usually is the culprit when modern "resilient" flooring&mdash;including no-wax vinyl, linoleum and plastic laminate&mdash;lose their shine. The heels of our shoes grind dirt into the finish of these floors. Sweep and vacuum these floors at least once a week to remove as much dirt as possible&mdash;doing just one or the other usually won&rsquo;t pick up as much. Also, place doormats by each entrance to the home, ideally both inside and outside, to limit the amount of dirt that&rsquo;s tracked in. For maximum dirt avoidance, impose a no-shoes-in-the-house rule... or purchase high-end dirt-grabbing mats, which are available through janitorial supply stores.</p> <p>When you mop, use warm (not hot) water only or water with a small amount of white vinegar&mdash;one cup of vinegar per gallon of water. Detergents and one-step clean-and-wax products leave behind residues that trap dirt, increasing the odds that it will be ground into the floor&rsquo;s finish. If the floor still shows dirt, use Ivory Liquid Dish Soap&mdash;roughly one tablespoon of soap per gallon of water&mdash;which leaves very little residue, and rinse with warm water afterward.</p> <p>If the steps above fail to restore your resilient floor&rsquo;s luster, ask a flooring professional to recommend a neutral-pH floor cleaner appropriate for your specific type of floor, such as Armstrong Once &rsquo;n Done (<a href="http://www.armstrong.com/" target="_blank">www.Armstrong.com</a>).</p> <p><em><strong>Helpful:</strong></em> If your resilient floor has black heel marks, spray a little WD-40 on a rag and gently rub. When the marks are gone, be sure to wipe the area with warm soapy water and then dry with a paper towel to completely remove the lubricant.</p> <p style="text-align: center; color: #0618aa; text-transform: uppercase; font-size: 14px; font-weight: bold;">WOOD AND ENGINEERED WOOD</p> <p>Water is enemy number one of wood floors, regardless of their finish. Over time, water can find ways past wax or sealant finishes, perhaps through small cracks or gaps in the finish, around the edges of the floor or by seeping into the gaps between floorboards. Eventually this water could expand, degrade or discolor the wood. Wet-mop wood floors only rarely, regardless of their finish, and then with a damp mop, not a saturated mop. Wipe up spills immediately. Remove wet shoes before walking across a wood floor on rainy or snowy days.</p> <p>Dirt is enemy number two. It can be ground into the wax or polyurethane finish of floors by our heels, dulling the shine. Sweep and vacuum regularly, and deploy doormats liberally, as discussed earlier in the section on resilient floors.</p> <p>If your floor has a polyurethane finish&mdash;as most modern wood floors do&mdash;waxes, oil soaps, ammonia and polishes are the third big enemy. Applying a "top coat" of polyurethane finish on top of the existing finish can be a great way to revive the luster of these wood floors&mdash;but if oil, wax or polish has ever been applied, that new coat of finish is likely to be rejected unless the floor is first sanded down and refinished, which could cost $6 to $8 per square foot.</p> <p>On the other hand, if your wood floors originally were waxed or oiled, not sealed with polyurethane... or if waxes or oils already have been applied over your floor&rsquo;s polyurethane finish, then stripping off the old wax and applying new, high-quality wax might be your best low-cost floor-restoration option. A flooring professional can suggest an appropriate wax for your floor. The alternative is to have the floor sanded down and refinished so that a new polyurethane sealant can be applied. Refinishing also will remove most scratches, dents and gouges.</p> <p><em><strong>Warning:</strong></em> Engineered wood floors have only a thin veneer of hardwood, which typically can be refinished only once. If you&rsquo;re not certain whether your floors are solid wood or engineered wood, see if you can get a look at a cross section by removing a threshold or base molding. Consult a flooring professional if you&rsquo;re not certain whether refinishing is an option.</p> <em><strong>Helpful:</strong></em> High-traffic kitchen floors often require refinishing or replacement well before the floors of surrounding rooms. This can create an obvious line where new and old floors meet if both floors are wood. <em><strong>Solution:</strong></em> Have a carpenter create a visual break where the new kitchen floor joins floors in other rooms by adding a threshold of wood significantly different in color from the wood of your floor. <p style="text-align: center; color: #0618aa; text-transform: uppercase; font-size: 14px; font-weight: bold;">STONE AND CERAMIC TILE</p> <p>Ceramic or masonry floor tiles are extremely durable&mdash;it&rsquo;s the grout between tiles or bricks that tends to stain or crack. Clean grout with "oxygen bleach," which is a powerful multipurpose cleaner. <em>Example:</em> Stain Solver (available online at <a href="http://www.stainsolver.com/" target="_blank">www.StainSolver.com</a> and <a href="http://www.amazon.com/" target="_blank">www.Amazon.com</a>). It should not harm the grout&rsquo;s color when used according to directions on the package. If only small sections of grout are grungy or damaged, this grout can be replaced fairly easily. Use the pointy end of a bottle/can opener or a grout-removal tool, available at home-improvement stores, to remove the damaged grout. Bring a sample of your grout to a flooring or tile store so that the color can be matched as closely as possible before patching.</p> <p>If most or all of your floor&rsquo;s grout is discolored or cracking, it&rsquo;s probably time to replace the floor. A tile floor specialist could remove and replace an entire ceramic floor&rsquo;s grout and leave the tile, but this is so labor intensive that it tends to be quite expensive and worthwhile only if the floor is made from high-end tiles.</p> <p>Use a sponge, mop or cloth to remove spills and stains from tile floors, never brushes or scouring pads, which can abrade the glazing or finish.</p> <p><em><strong>Helpful:</strong></em> Reseal a ceramic floor&rsquo;s grout every four years or so, even if it still looks great. Frequent resealing reduces the odds that grout will stain.</p> <p>For more information about this article&nbsp;or to request an auto, home, life, or business insurance quote in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <hr width="60%" color="#c7c7c7"> </hr> <div class="footnote"><em><strong>Bottom Line/Personal</strong></em> interviewed Don Vandervort, founder of the home-improvement Web site HomeTips.com, based in Glendale, California. He is author of more than 30 books on home improvement, including <em>Home Magazine&rsquo;s How Your House Works</em> (Ballantine) and <a href="http://www.amazon.com/exec/obidos/ASIN/1567314775/blpnet" target="_blank"><em>The Home Problem Solver</em></a> (Perseus). <a href="http://www.hometips.com/" target="_blank">www.HomeTips.com</a> </div>urn:uuid:8c8b70d2-ad48-4076-abe6-888dcae12aeeVeterinary bills are increasing much faster than the overall rate of inflation. Part of this reason lies in the advancements of medical techniques and the increasing number of veterinarian specialists. These trends, however, come at a price. For exam...Mon, 22 Aug 2011 22:16:46 -0500<p>Veterinary bills are increasing much faster than the overall rate of inflation. Part of this reason lies in the advancements of medical techniques and the increasing number of veterinarian specialists. These trends, however, come at a price. For example, performing a magnetic resonance imaging (MRI) exam on the spine of a cat can cost upwards of $2,000. Removing a tumor on a dog can cost $4,000, and implanting a pacemaker can cost over $7,500. Even dealing with a dislocated ankle can run you around $5,000.<br /> <br /> As a result, pet insurance sales are increasing rapidly. Is this a wise purchase? Much of the decision depends on how you view your pet. If you are emotionally close to your pet and see it as a loving family member who is nearly irreplaceable, then consider the following questions. If the answer to any of the questions below is yes, you should look into purchasing this coverage. </p> <ul> <li> <p>Are you willing to go into debt to provide health care for your pet?</p> </li> <li> <p>Are you on a fixed or limited income?</p> </li> <li> <p>Would you be willing to spend over $5,000 to save your pet in a life-threatening situation?</p> </li> </ul> <p>If you decide to purchase this protection, you should carefully compare the rates and policy provisions of at least three well-established pet insurers.<br /> <br /> For more information about pet insurance&nbsp;or to request an auto, home, life, or business insurance quote in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a></p> <p>Get more <a href="http://www.irmi.com/expert/landing-pages/personal-lines/personal-risk-management/default.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="TextAlignCenter">Copyright 2011<br /> <a href="http://www.irmi.com/default.aspx">International Risk Management Institute, Inc.</a> </p>urn:uuid:b9a2b7f2-cda3-43c4-aca9-690102c9ebb8How can my credit score benefit me? Managing your credit is very important. Your credit helps determine such items as your home mortgage interest rate, as well as, your auto insurance rates.&nbsp; A credit-based insurance score helps insurers to quo...Thu, 18 Aug 2011 23:08:28 -0500How can my credit score benefit me? <div class="answer shown" style="display: block;"> <p>Managing your credit is very important. Your credit helps determine such items as your home mortgage interest rate, as well as, your auto insurance rates.&nbsp; A credit-based insurance score helps insurers to quote the fairest, most appropriate rate for every customer.&nbsp; Our experience shows that about half of our existing customers receive a rate decrease based on their credit score. <br /> <br /> For more information about this blog entry&nbsp;or to request an auto, home, life, or business insurance quote in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong>publishes the opinions of expert authorities in many fields.&nbsp; But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs.&nbsp; Always consult a competent professional for answers to your specific questions.</p> <p > <br /> </p> </div>urn:uuid:20bc2e90-bb47-4f4f-a8f3-b298a01d5547J.D. Howard Insurance Consumer Advocate Network Five everyday words can raise red flags when it comes to filing a car, home or health insurance claim, making the difference between quick payment of your claim and a nightmare of delays or even reject...Tue, 16 Aug 2011 20:27:18 -0500<strong>J.D. Howard<br /> </strong>Insurance Consumer Advocate Network<br /> <br /> <p class="noindent">Five everyday words can raise red flags when it comes to filing a car, home or health insurance claim, making the difference between quick payment of your claim and a nightmare of delays or even rejection. Don&rsquo;t let a slip of the tongue cost you money. </p> <p><strong>1. Sorry.</strong> A car accident is an emotional event -- be compassionate but stick to the facts. Saying you&rsquo;re "sorry" to other people involved in the accident or to a claims adjuster implies that you are at fault, and it can be used against you. If you do blurt out "I&rsquo;m sorry," stop there and use a better phrase later, when you give your formal statement. Never give a statement to a claims adjuster at the scene, especially if that person is working for the other party&rsquo;s insurer. Just say, "Not now." Your own insurance company should take your statement after the dust settles, when hidden damage or latent injuries may become evident.</p> <p><strong>2. Think.</strong> Whether you come home to water damage or have a fender bender, stay composed and report to your insurer factually what you <em>know</em>, not what you think, regarding cause or speed or other matters on which your opinion may be very wrong. Photograph the scene with a camera or cell phone. Even if you don&rsquo;t think you are injured in an auto accident, say, "I&rsquo;m not sure." If you feel pain, describe it -- don&rsquo;t self-diagnose. Never sign a release from the other party&rsquo;s adjuster at the scene. </p> <p><strong>3. Flood.</strong> This word is a red flag for insurers because a typical home-owner&rsquo;s policy does not cover flood damage from rising groundwater. What it typically does cover is described in words such as, "sudden and accidental discharges from plumbing, heating or air-conditioning systems." Instead of saying "flood," tell your insurer something along the lines of, "The plumbing burst, and there&rsquo;s water everywhere." If you think you need flood insurance, check details of how you qualify at the government Web site <a href="http://www.floodsmart.gov/" target="_blank">www.floodsmart.gov</a>. </p> <p><strong>4. Experimental.</strong> Most health insurance plans, especially HMOs and PPOs, require prior approval before you receive medical treatments that aren&rsquo;t common practice -- those that are experimental, investigational or part of clinical trials. Typically these procedures are excluded from coverage. So don&rsquo;t use the term "experimental" with your provider when describing treatment you want to undergo. Rely on your doctor or his/her staff to explain to your insurer why you need the procedure.</p> <p><strong>5. Whiplash.</strong> This term encompasses a range of injuries to the neck caused by sudden impact. When an adjuster hears the term, his knee-jerk reaction is that someone is making up an injury or trying to jack up payments from a claim. Instead, describe your symptoms. </p> <p><em><strong>Example:</strong></em> "I can&rsquo;t move my neck."</p> <p><em><strong>Better:</strong></em> Wait until your doctor makes a diagnosis, and share that with the insurer.<br /> <br /> For more information about this article&nbsp;or to request an auto, home, life, or business insurance quote in Kentucky, Indiana or Tennessee: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="https://www.insurancewebsitebuilder.com/admin/www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html."><b>www.nationwide.com/agent/lexington-kentucky-insurance-agent/timhamilton/office-listing.html</b>.</a><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.BottomLineSecrets.com" target="_blank">www.BottomLineSecrets.com</a></b></p> <p> <hr width="60%" color="#c7c7c7"> </hr><em><strong>Bottom Line/Personal interviewed</strong></em> J.D. Howard, executive director of the Insurance Consumer Advocate Network, LLC (I-can), a consumer advocacy organization, Springfield, Missouri. He worked as an insurance adjuster for 30 years before founding I-can in 1994. <a href="http://www.ican2000.com/" target="_blank">www.ican2000.com</a></p> <br />urn:uuid:884184d4-f4bf-45c0-aa5f-08e967aed7e6Discount Finder&reg; Everyone loves receiving discounts.&nbsp; Wouldn&rsquo;t it be great if you didn&rsquo;t have to find them all yourself?&nbsp; That&rsquo;s why Hamilton Insurance Group and&nbsp;Nationwide Insurance brings you Discount Finder.&n...Sun, 14 Aug 2011 16:18:08 -0500<span style="font-size: 16px;">Discount Finder^{&reg;<br /> <br /> <span style="font-size: 16px;">Everyone loves receiving discounts.&nbsp; Wouldn&rsquo;t it be great if you didn&rsquo;t have to find them all yourself?&nbsp; That&rsquo;s why Hamilton Insurance Group and&nbsp;Nationwide Insurance brings you Discount Finder.&nbsp; Discount Finder searches Nationwide customers&rsquo; policies to uncover new opportunities for auto insurance discounts as your life changes.<br /> <br /> </span>What does Discount Finder do?<br /> <br /> <span style="font-size: 16px;">Every 6 months, Discount Finder proactively scans your Nationwide Insurance policy to see if you might qualify for any new auto insurance discounts.&nbsp; Discounts such as the Safe Vehicle Discount, Airbag discount, New Vehicle discount and Multi-policy Home and Auto discount. In fact, Nationwide has already uncovered car insurance discounts for more than 3 million of our customers. You could be next. </span> <p><span style="font-size: 16px;"> Discount Finder&hellip;one more good reason to choose Hamilton Insurance Group and&nbsp;Nationwide Insurance.<br /> </span><br /> <span style="font-size: 16px;">For more information about Discount Finder^&reg;or to request an auto, home, life, or business insurance quote in KY&nbsp;or Indiana:<br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong><span style="font-size: 16px;">www.timhamiltoninsurance.net</span></strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong><span style="font-size: 16px;">www.nationwide.com/timhamilton</span></strong></a><strong>.<br /> <br /> ^{Discount Finder is a service mark of Nationwide Mutual Insurance Company.}</strong></span></p> <span style="font-size: 16px;"></span>}</span>urn:uuid:d9e8d5cc-0743-491e-b8c6-2bdd553a82b9Theodore Sarenski, CPA, CFP Social Security is supposed to be a security blanket for most Americans, but lately it hasn&rsquo;t felt all that comforting. Because of the cost-of-living formula used by the Social Security Administration, benefits reci...Mon, 08 Aug 2011 20:29:40 -0500Theodore Sarenski, CPA, CFP<br /> <br /> Social Security is supposed to be a security blanket for most Americans, but lately it hasn&rsquo;t felt all that comforting. Because of the cost-of-living formula used by the Social Security Administration, benefits recipients are not receiving an increase in 2011 for the second year in a row. And under current rules, the entire Social Security system is in danger of becoming insolvent. To avoid that, the cochairs of a bipartisan commission on the federal deficit recently proposed raising the normal retirement age, increasing the annual limit on income that is subject to the Social Security payroll tax and other controversial changes. <p><em>Bottom Line/Personal</em> asked Social Security expert Theodore Sarenski to address some of the questions and concerns that many people have... </p> <p><strong>Q: Why are benefits not rising when it feels like living expenses are going up and up?</strong><br /> The Social Security cost-of-living formula has not been particularly fair to retirees lately. The formula&rsquo;s inflation index hasn&rsquo;t climbed for two years largely because home values have plummeted and car prices have stagnated. But retirees typically don&rsquo;t buy a lot of homes and new cars. Many of the things that they spend on&mdash;health care, heating fuel and utilities, for example&mdash;have in fact increased in price. </p> <p>Cost-of-living increases are likely to resume once real estate values stabilize. Meanwhile, remember that there was a big 5.8% cost-of-living increase in benefits three years ago. The system wouldn&rsquo;t seem quite so unfair if that increase had been spread evenly over the past three years. </p> <p>However, under a proposal by the deficit commission&rsquo;s cochairs, cost-of-living adjustments would become less generous starting in 2012 under a new formula. </p> <p><strong>Q: Are benefits going to end if the Social Security system starts to run out of money?</strong> <br /> No. It is true that the system is expected to run a deficit by 2015, and its reserves are indeed on course to be depleted&mdash;but not until 2037. Most likely, the government will make changes in the tax and/or benefits rules in time to prevent that. </p> <p>Even in the very unlikely event that the reserves are completely depleted, the system would still be able to pay around 75% of its obligations through 2084 by distributing the taxes paid into the system each year by those still in the workforce.</p> <p><strong>Q: How likely is it that the government actually will make changes to Social Security?</strong> <br /> My prediction is that politicians will keep feeding us Social Security scare stories every election year, but they will not substantially alter the system for many years, perhaps even decades. In the 75-year history of the Social Security system, lawmakers have always waited until disaster was imminent before making changes. That said, America&rsquo;s budget problems are very pressing, and politicians might conclude they cannot solve these problems without slashing the cost of the Social Security system.</p> <p><strong>Q: What are the possible changes?</strong><br /> In addition to changing the cost-of-living formula, the commission co-chairs made the following proposals, which the full commission had not yet voted on as of press time... </p> <p><strong><em>Slowly raise the normal retirement age to 68 by 2050 and to 69 by 2075... increase the early retirement age from 62 to 64...</em></strong> and at the same time provide a "hardship exemption" for people physically unable to work past age 62. The normal retirement age increase would affect only people born after 1960. Currently, the normal retirement age for people born in 1960 or later is 67.</p> <p><strong><em>Gradually raise the annual limit on income</em></strong> subject to the Social Security payroll tax from the current $106,800 until it&rsquo;s near $190,000.</p> <p><strong><em>Give retirees an option to collect half their benefits early</em></strong> and the other half at a later age. This would allow early retirees to draw some income from the Social Security system, perhaps to supplement income from a part-time job, while also allowing some of their benefits to continue to grow by delaying them until age 70.</p> <p><strong><em>Establish a new special minimum benefit</em></strong> to keep low-wage workers above the poverty line.</p> <p><strong><em>Provide a "benefit bump-up"</em></strong> for older retirees equal to 5% of the average benefit. The bump-up would be phased in over five years, starting 20 years after a retiree first becomes eligible for benefits. </p> <p>The cochairs also proposed several alternative changes, which include increasing benefits for low-income widows or widowers... capping the spousal benefit at one-half the average worker&rsquo;s benefit, rather than one-half the partner&rsquo;s benefit... and reinstating college benefits for child survivors&mdash;benefits that were eliminated in 1981.</p> <p><strong>Q: How can I maximize my benefits?</strong><br /> Unless poor health or family history suggests that you are likely to pass away before age 77, you&rsquo;ll get more money from the system by waiting until your late 60s or age 70 to start receiving your benefits. Delaying the start of benefits until at least age 66 is attractive if you are married because it increases your partner&rsquo;s spousal and survivor benefits, too, by up to 8% per year.</p> <p>Strategies to maximize benefits...</p> <p><strong><em>"62/70 strategy."</em></strong> Married people should consider this. The lower-earning spouse, usually but not always the wife, claims benefits based on her own earnings at age 62, with her husband claiming spousal benefits on her earnings as soon as he reaches his full retirement age&mdash;66 if he was born between 1943 and 1954. Then the husband switches to his own benefits when he turns 70, with his wife switching to spousal benefits based on his earnings. This couple receives the largest possible benefit checks after the husband turns 70 but still gets benefits before then. </p> <p><strong><em>"File-and-suspend" strategy.</em></strong> If one spouse has no significant earnings history, this strategy is a second option. Here, the wage-earning spouse files for benefits when he reaches the normal retirement age, then immediately asks that those benefits be suspended. Then his partner can claim spousal benefits based on his suspended account, while the amount that will be on the wage earner&rsquo;s eventual monthly checks continues to grow until he ends the suspension in his late 60s or at age 70, the age at which the benefits rate stops rising.</p> <p><strong>Q: For someone who would like to work a few more years, is there a risk that taking a low-paying job at the end of a career will drive down the earnings history on which his/her future Social Security checks will be based?</strong> <br /> Continuing to work is far more likely to increase someone&rsquo;s eventual Social Security benefits than it is to reduce them even if the late-career job doesn&rsquo;t pay well. Benefits are computed based on the 35 highest-earning years among your final 40 working years, not on the final salary, as they are with some pension plans. </p> <p>If someone has worked for fewer than 35 years, even a small paycheck will boost benefits because it will replace $0 earning years in the calculations. </p> <p>If the person already has 35 working years, the small paychecks might not boost the earnings history but will make it easier to delay the start of Social Security benefits past age 62, thereby increasing eventual monthly checks by up to 8% per year, simply based on age, until age 70. Just try to avoid starting benefits while you&rsquo;re still working&mdash;that would increase the odds that your benefits will be taxed. </p> <p>Working additional years is likely to reduce Social Security benefits only if someone already has worked 40 years and had high earnings in the early years relative to the rest of his career. Continuing to work in this situation could bump those long-ago high-earning years out of the most recent 40 working years, removing those years from the benefits equation.</p> <p><strong>Q: For someone in debt who is worried that creditors and debt collectors are going to grab his Social Security benefits, is there anything that can be done to protect those benefits?</strong> <br /> Creditors and debt collectors usually cannot legally garnish Social Security benefits. Unfortunately, when banks receive court orders directing them to freeze accounts, they often do so, even when the accounts contain Social Security assets. Most account holders don&rsquo;t fight this because they don&rsquo;t realize it is illegal.</p> <p>If this happens to you, be sure to contact the bank and point out that Social Security income is in the account and cannot legally be frozen. Then insist that the assets be released. Be aware, however, that Social Security benefits can be legally frozen or garnished if the debt involves unpaid federal income taxes or child support.</p> <div id="yui_3_2_0_5_1312849740998768" style="font-size: 12px;">For more information about this article&nbsp;or to request an auto, home, business or&nbsp;life&nbsp;&nbsp;insurance quote in KY&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></div> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a><br /> <br /> <strong><em>Bottom Line/Personal</em></strong> interviewed Theodore Sarenski, CPA, CFP, president and CEO of Blue Ocean Strategic Capital, LLC, a financial-planning organization based in Syracuse, New York. He is a member of the American Institute of Certified Public Accountants&rsquo; Social Security Task Force and was one of the authors of that organization&rsquo;s white paper on Social Security reform. <a href="http://news.bottomlinepublishing.com/a/hBOED3RB8V0u3B8bz00NLCU9ZAa/bls15" id="yui_3_2_0_5_1312849740998766" target="_blank" rel="nofollow">www.boscllc.com</a></b></p> <a href="http://news.bottomlinepublishing.com/a/hBOED3RB8V0u3B8bz00NLCU9ZAa/bls4?RAF_TRACK=&amp;email=timishamilton@yahoo.com" target="_blank" rel="nofollow"></a>urn:uuid:05c2f6ce-8cbd-443f-b66b-4136a369639aFolks, at Hamilton Insurance Group and Nationwide Insurance,&nbsp;we really, only do a couple of things:&nbsp; We rebuild people's lives to the degree that money and caring can - and we help protect and grow their assets.&nbsp; That's it.&nbsp; That'...Thu, 04 Aug 2011 15:00:04 -0500Folks, at Hamilton Insurance Group and Nationwide Insurance,&nbsp;we really, only do a couple of things:&nbsp; We rebuild people's lives to the degree that money and caring can - and we help protect and grow their assets.&nbsp; That's it.&nbsp; That's all we do.&nbsp; We keep the Promise.&nbsp; To see how we are Keeping the Promise, <a href="http://www.youtube.com/watch?v=ysAq3GReE6A">click here</a>urn:uuid:fd135c9e-cb70-4b22-9694-4d1985c65373The National Fire Protection Association reports that, while deaths from residential fires have decreased in the last several years, those caused by candles have increased dramatically. Candle deaths increased 650 percent from 1980 (20 deaths) to 200...Wed, 03 Aug 2011 23:44:45 -0500<p>The National Fire Protection Association reports that, while deaths from residential fires have decreased in the last several years, those caused by candles have increased dramatically. Candle deaths increased 650 percent from 1980 (20 deaths) to 2005 (150 deaths). Candles cause an estimated 16,000 home fires each year. In most cases, candles triggered house fires when they were left unattended, were tipped over, and ignited nearby combustibles. Almost half of home candle fires start in the bedroom; mattresses and bedding are the most common items to ignite. A child playing with or near the candle is one of the biggest contributors to candle fires; drinking excessively and falling asleep leaving the candle is burning is another. </p> <p>Consider the following safety tips concerning candles and share with your family: </p> <ul> <li> <p>Always keep matches, lighters, and candles away from children.</p> </li> <li> <p>Never leave burning candles unattended.</p> </li> <li> <p>Keep combustible materials far away from candles.</p> </li> <li> <p>Do not put candles in a location where children or pets could knock them over. Be aware that candles and rambunctious puppies don&rsquo;t mix.</p> </li> <li> <p>Use only nonflammable candleholders that are sturdy and hard to tip over.</p> </li> <li> <p>Always trim the wicks before lighting.</p> </li> <li> <p>Do not burn a candle all the way down to where it is too close to the holder or container.</p> </li> <li> <p>Use flashlights rather than candles when you have a power outage.</p> </li> </ul> <p >For more information about this insurance tip&nbsp;or to request an auto, life, business or home insurance quote in KY&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p>Get more <a href="http://www.irmi.com/expert/landing-pages/personal-lines/personal-risk-management/default.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="TextAlignCenter">Copyright 2011<br /> <a href="http://www.irmi.com/default.aspx">International Risk Management Institute, Inc.</a> </p>urn:uuid:d7f55466-4aa8-421c-8962-60bc62876c35David Sturtz An auto mechanic tells you that the clunking sound you hear means that your car needs thousands of dollars&rsquo; worth of repairs. But how can you tell whether the mechanic has diagnosed the problem correctly? And how do you know wheth...Tue, 02 Aug 2011 19:21:36 -0500David Sturtz<br /> <br /> An auto mechanic tells you that the clunking sound you hear means that your car needs thousands of dollars&rsquo; worth of repairs. But how can you tell whether the mechanic has diagnosed the problem correctly? And how do you know whether he/she would charge a fair price? <p>"Auto mechanic" is among the least-trusted professions in the US, according to a 2010 survey by sales and management training company Sandler Training. Many mechanics are honest and skilled, while others have earned that mistrust -- and it isn&rsquo;t always easy to tell the good from the bad.</p> <p>Here are ways to improve your odds of selecting a competent, honest mechanic or auto-repair shop, even if you know next to nothing about cars... </p> <p><strong>Choose a Bosch Authorized Service Center and/or an ASE Blue Seal of Excellence repair facility.</strong> Bosch, a maker of consumer goods and automotive and industrial technology, is extremely selective about which independent repair shops it allows into its network of more than 1,000 US shops. Membership is a virtual guarantee that a garage is well-equipped and customer friendly and that its mechanics are well-trained and highly skilled. (<a href="http://news.bottomlinepublishing.com/a/hBOCvoXB8V0u3B8bw8aNLCU9ZM-/bls4" target="_blank" rel="nofollow">www.BoschService.com/findsvccenter</a>)</p> <p>Certification from the National Institute for Automotive Service Excellence (ASE) is a strong indication of competence as well. Any mechanic who carries this designation has passed, within the past five years, at least one of the challenging exams administered by the institute. <em>Note:</em> The presence of one ASE mechanic does not guarantee that he is the mechanic who will work on your car or that the shop&rsquo;s ASE-certified technician passed an ASE exam related to the specific repairs that your car requires.</p> <p><strong><em>Example:</em></strong> Having ASE certification for brakes does not ensure that a mechanic is skilled with engine or transmission repairs.</p> <p><strong><em>What to do:</em></strong> Ask specifically whether the shop has earned the ASE Blue Seal of Excellence. This means that at least 75% of the shop&rsquo;s technicians are ASE-certified and that each area of service offered by the shop is covered by at least one ASE-certified technician (<a href="http://news.bottomlinepublishing.com/a/hBOCvoXB8V0u3B8bw8aNLCU9ZM-/bls1" target="_blank" rel="nofollow">http://Locator.ase.com/blue</a>). Ask for an ASE-certified technician to work on your vehicle.</p> <p>AAA certification is a less reliable indication of a repair shop&rsquo;s quality. Each AAA regional office sets its own standards, and some do a better job vetting repair shops than others.</p> <p><strong>Look for longevity.</strong> It&rsquo;s a good sign if a repair shop has been around for at least five years and an excellent sign if it has been in business for 20 years or longer. Low-quality and dishonest shops rarely manage to last that long, particularly now that consumers can share complaints on the Internet. If the garage does not say when it was established on its Web site, ask when you call or ask longtime area residents which shops have been around the longest.</p> <p><strong><em>Possible exception:</em></strong> Bad repair facilities located near highway exits sometimes can survive by taking advantage of drivers from out of town who are unaware of the shop&rsquo;s poor reputation.</p> <p><strong>Search for the opinions of other consumers on the Internet.</strong> Web sites <a href="http://news.bottomlinepublishing.com/a/hBOCvoXB8V0u3B8bw8aNLCU9ZM-/bls5" target="_blank" rel="nofollow">CitySearch.com</a> and <a href="http://news.bottomlinepublishing.com/a/hBOCvoXB8V0u3B8bw8aNLCU9ZM-/bls7" target="_blank" rel="nofollow">Yelp.com</a> provide consumer reviews of local businesses, including auto-repair facilities. My Web site, <a href="http://news.bottomlinepublishing.com/a/hBOCvoXB8V0u3B8bw8aNLCU9ZM-/bls6" target="_blank" rel="nofollow">RepairPal.com</a>, also offers consumer reviews of repair shops.</p> <p>Not all Internet opinions should be given equal weight, however. Some business owners post glowing reviews of their own companies under fake names to trick consumers. And some consumer complaints about auto-repair facilities are unfairly negative -- sometimes car problems are legitimately difficult to diagnose or expensive to fix.</p> <p>Give significant weight to online opinions only if you uncover more than a few reviews and they have a strong positive or negative trend. Take complaints seriously if they report that... </p> <p><em>The shop billed customers for significantly more than the initial estimate</em>, particularly if the shop did not contact these customers for approval as costs climbed.</p> <p><em>Vehicles&rsquo; problems recurred</em> after the shop claimed that they were fixed.</p> <p><strong>Call a shop that doesn&rsquo;t handle cars like yours to ask for a repair facility recommendation.</strong> A shop that specializes in Japanese cars might not be equipped to repair your European or American car -- but it might know a local shop or mechanic who is.</p> <p><strong>Pick a shop that makes you wait.</strong> If a repair shop cannot quickly fit your car into its schedule, it typically means that the shop is good. Shops that cheat their customers usually do not do so by overbilling for parts or labor -- that would be too easy for a savvy consumer to spot. Instead, dishonest shops tend to inflate bills by recommending expensive, time-consuming repairs that cars really don&rsquo;t need. Very busy shops have little to gain by doing this because they have enough legitimate business to fill their mechanics&rsquo; work hours.</p> <p><strong><em>Helpful:</em></strong> If you need your car fixed fast and a busy shop can&rsquo;t get to it immediately, politely ask this busy shop to recommend another shop in the area. Quality shops usually know which other local shops can be trusted.</p> <p><strong>Have routine maintenance performed by a full-service repair facility, not a specialized lube or brake shop.</strong> A full-service repair facility might charge a few dollars more for an oil change or a brake pad replacement than a specialty shop would, but this is an effective and inexpensive way to get a sense of whether you like and trust the repair shop before you have a serious car problem.</p> <p>Patronizing a repair shop for routine maintenance also makes you a regular customer, increasing the odds that the shop will treat you fairly and find a way to fit you in when it&rsquo;s busy.</p> <p><strong>Stay away from repair facilities that push unnecessary add-on procedures.</strong> If a shop recommends an "engine flush" or "transmission flush," head for the door. Engine oil and transmission fluid should be changed according to the vehicle manufacturer&rsquo;s maintenance schedule, but flushing these systems is expensive and almost certainly unnecessary. It even could damage the vehicle.</p> <p>Also, be wary of shops that insist that an alignment is automatically required when brake work is done. Sometimes an alignment is needed, but not always. If a shop pressures you to agree to an alignment beforehand, it is probably just looking to boost your bill.</p> <p><strong>Stay away from repair facilities that fail to recommend sensible add-on procedures.</strong> Sometimes tackling multiple auto-maintenance jobs at the same time is a money saver. If a mechanic fails to recommend additional work that could reduce the odds that a problem will recur -- or that might as well be done because a difficult-to-access section of the vehicle will be opened up anyway -- it could mean that the shop hopes to create another big repair or maintenance bill in the future (or that the mechanic is incompetent).</p> <p>To determine if additional procedures are appropriate, go to <a href="http://news.bottomlinepublishing.com/a/hBOCvoXB8V0u3B8bw8aNLCU9ZM-/bls2" target="_blank" rel="nofollow">http://RepairPal.com/estimator</a>, enter the requested details about your vehicle and work that it currently requires, then click the "Get Estimate" button. Scan down to the section labeled "Best Practices." Any additional work that should probably be done will be listed here, along with other useful details.</p> <p><strong><em>Examples:</em></strong> If you ask a mechanic to change a timing belt, he should recommend replacing your water pump as well with most vehicles. A water pump is unlikely to last for the life of a vehicle, and having it replaced at the same time as the timing belt should reduce the cost of replacement by more than 50%, so replacement generally is seen as a shrewd money move even if the pump is still working. If your vehicle&rsquo;s cooling system must be opened up, such as when your radiator needs to be replaced, the mechanic likely should recommend replacing the thermostat as well. It&rsquo;s unlikely that your current thermostat will last for the life of your vehicle, and having a new one installed when the cooling system is open anyway should reduce the cost of replacement by at least 50%. If your car&rsquo;s heater core fails, the mechanic likely should recommend replacing your engine mounts, too, assuming that these are worn. Worn engine mounts may allow your engine to move around more than it should, damaging the heater core. If the shop does not replace these mounts, the replacement core might become damaged as well. <br /> <br /> For more information about ways to find&nbsp;an honest auto mechanic&nbsp;or to request a home, life, business&nbsp;or auto insurance quote in KY&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <p><strong><em>Bottom Line/Personal</em></strong> interviewed David Sturtz, cofounder and CEO of <a href="http://news.bottomlinepublishing.com/a/hBOCvoXB8V0u3B8bw8aNLCU9ZM-/bls6" target="_blank" rel="nofollow">RepairPal.com</a>, an auto-repair information Web site with more than a million visitors each month. RepairPal has a team of 26 expert ASE-certified technician advisers with a combined 500 years of professional experience. The site provides parts-and-labor-cost estimates for repair work, customer reviews of repair shops and other auto information. </p> <br /> <br /> <br />urn:uuid:89e4991c-8e51-48c7-81a7-f394ccb1820eExcept for a spare tire and other emergency equipment, don&rsquo;t use your trunk as a storage bin. Driving around with extra weight decreases your car&rsquo;s fuel efficiency. While you&rsquo;re at it, take off the roof rack when it&rsquo;s not bein...Sun, 31 Jul 2011 22:20:09 -0500<p>Except for a spare tire and other emergency equipment, don&rsquo;t use your trunk as a storage bin. Driving around with extra weight decreases your car&rsquo;s fuel efficiency.</p> <p style="margin-top: 0px;" id="yui_3_2_0_5_13121485791891560">While you&rsquo;re at it, take off the roof rack when it&rsquo;s not being used. The added weight adds drag on the engine, causing it to use more fuel.<br /> <br /> <br /> For more information about this tip or to request a home, life, business or auto insurance quote in KY&nbsp;or Indiana:&nbsp;<br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <strong>(859) 276-1234&nbsp;</strong>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong> </p> <p><strong></strong></p> <p> </p> <p><strong><em>Disclaimer: Hamilton Insurance Group </em></strong><strong><em>and</em></strong><strong><em> </em></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p> </p> <p> </p> <p><strong>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></strong></p> <p>Household Magic Daily Tips From Joan &amp; Lydia Wilen</p>urn:uuid:ad5588f1-b9b7-4248-80a5-a3aa2df32b61John Ulzheimer By far the most important piece of information about your creditworthiness is your FICO credit score. Today&rsquo;s lenders and insurance companies rarely dig into the details of a credit report. They typically just check the FICO sco...Fri, 22 Jul 2011 09:57:02 -0500John Ulzheimer<br /> <br /> By far the most important piece of information about your creditworthiness is your FICO credit score. Today&rsquo;s lenders and insurance companies rarely dig into the details of a credit report. They typically just check the FICO score -- which can vary somewhat depending on which credit-reporting agency&rsquo;s data is used -- and judge the applicant based on this score. Even though there are ways to get estimated FICO scores and alternative credit scores for free, there are only two places to obtain your true FICO score, and neither is free... <p><strong>Fair Isaac,</strong> which compiles the FICO score (800-319-4433, <a href="http://www.myfico.com/" target="_blank" rel="nofollow">www.MyFICO.com</a>. $19.95).</p> <p><strong>Equifax</strong> (866-493-9788, <a href="http://www.equifax.com/" target="_blank" rel="nofollow">www.Equifax.com</a>, select "Equifax Products," click the "Single Use Products" tab, then select "Complete Report." $39.95).</p> <p>In May 2010, the US Senate approved an amendment to a financial industry overhaul bill that would give consumers a free look at their credit scores when they are rejected for a loan, credit card, insurance rate or apartment based on their scores. </p> <p>Meanwhile, several free online credit score estimator tools can give you a reasonable idea where your score likely stands, including... </p> <p><strong>Bankrate.com</strong> (<a href="http://www.bankrate.com/calculators.aspx" target="_blank" rel="nofollow">www.Bankrate.com/calculators.aspx</a>, select "FICO Score Estimator" from the "Credit Card Calculators" section).</p> <p><strong>SmartCredit.com</strong> (<a href="http://www.smartcredit.com/" target="_blank" rel="nofollow">www.SmartCredit.com</a>, select "Smart Credit Report"). This is the site I work for.</p> <p><strong>Quizzle.com</strong> (<a href="http://www.quizzle.com/" target="_blank" rel="nofollow">www.Quizzle.com</a>).</p> <p>Be skeptical of "free credit score" offers. Many of these contain hidden costs... and the score provided is unlikely to be a FICO credit score. Each of us is entitled to receive a free copy of a <em>credit report</em> (which does not include a credit score but does give details of your credit history) each year from <a href="http://www.annualcreditreport.com/" target="_blank" rel="nofollow">AnnualCreditReport.com</a>. To protect yourself from identity theft and incorrect information, scan your report for listings that you don&rsquo;t recognize or that don&rsquo;t seem accurate.</p> <p>For more information about this advice&nbsp;or to request an auto, home, life, or business insurance quote in KY&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <p><em><strong>Bottom Line/Personal</strong></em> interviewed John Ulzheimer, president of consumer education for SmartCredit.com, a credit information Web site, Atlanta. He formerly worked with credit-rating organizations Fair Isaac (FICO) and Equifax. </p> <br /> <a href="http://raf.cheetahmail.com/r/raf?t=BN5g3jB8V0u3B8bXyXNLCU9Zox&amp;u=&amp;remail=timishamilton@yahoo.com" target="_blank" rel="nofollow"></a>urn:uuid:ae182fc5-acd4-465a-809b-913cb8f8b837<img src='http://bottomlinesecrets.com/images/bullets/blue_bullet.gif' align='left' />Jeffrey C. May, MA Mold and bacteria are probably spreading throughout your house right now. If you have central air-conditioning or a forced-air heating, ventilation and air-conditioning (HVAC) system, inadequate air filtration could be allowing mo...Sun, 17 Jul 2011 19:12:15 -0500Jeffrey C. May, MA<br /> <br /> Mold and bacteria are probably spreading throughout your house right now. If you have central air-conditioning or a forced-air heating, ventilation and air-conditioning (HVAC) system, inadequate air filtration could be allowing mold and bacteria inside your home. Fewer than 10% of residential forced-air systems have filters capable of preventing mold and bacteria growth. <p>Mold and bacteria contamination can trigger or exacerbate respiratory problems, including allergies and asthma. Certain molds even produce toxins that are linked to cancer. </p> <p>Paying big money for high-end air-filtration devices does not necessarily solve this problem. Many expensive filtration products do little to improve air quality. Here&rsquo;s what works and what doesn&rsquo;t work...</p> <p style="text-align: center; color: #0618aa; text-transform: uppercase; font-size: 14px; font-weight: bold;">USE A BETTER FILTER</p> <p>The cheapest, easiest way to improve your home&rsquo;s air quality is to improve the quality of the disposable filter you use in your forced-air system. </p> <p>Most home owners use fiberglass panel filters that have a <em>Minimum Efficiency Reporting Value</em> (MERV) of just 3 or 4. To avoid mold and bacteria growth, instead use a "pleated" filter rated MERV 8 or higher. </p> <p><strong>Buying advice:</strong> MERV 8 filters are available at home-improvement stores, such as The Home Depot and Lowe&rsquo;s, and many hardware stores for between $5 and $10 apiece. Don&rsquo;t worry about the filter&rsquo;s brand -- focus instead on its MERV rating, which usually is clearly marked on the package. Using the correct size is equally important -- even the best filter will not improve air quality if air can get around it in your system&rsquo;s filter compartment or if the compartment does not close properly with the filter inside. Measure your system&rsquo;s filter compartment before buying. </p> <p>Do not pay extra for expensive "electrostatic" filters for central air-conditioning. Manufacturers claim that these are washable and reusable, but in my experience, there is no way to clean them adequately. </p> <p><strong><em>Downside:</em></strong> Switching from a one-inch-deep MERV 3 to a one-inch-deep MERV 8 filter is likely to reduce your system&rsquo;s airflow by up to 10%, increasing your cooling and heating bills. (Deeper filters -- two-inch, four-inch, six-inch -- do not reduce the airflow as much but are too deep to fit most units.) Replacing filters every three months will minimize the energy consumption increase -- dirty filters force heating and cooling systems to work even harder.</p> <p style="text-align: center; color: #0618aa; text-transform: uppercase; font-size: 14px; font-weight: bold;">KEEP THE SYSTEM CLEAN</p> <p>If you have used filters rated lower than MERV 8 in the past, it is likely that mold and bacteria already are growing on your air conditioner&rsquo;s blower and coil unless you live in an arid region. Installing a filter with a higher MERV rating will not kill existing mold and bacteria, nor will it prevent their spores from spreading throughout your home -- the air conditioner&rsquo;s blower and coil are located after the filter. The only reliable way to remove existing contamination is to hire a duct-cleaning service. </p> <p>Contact the National Air Duct Cleaners Association (NADCA) to find a pro in your area (202-737-2926, <a href="http://news.bottomlinepublishing.com/a/hBN33raB8V0u3B8bZeuNLCU9Ztg/bls17" target="_blank" rel="nofollow">www.nadca.com</a>). The duct-cleaning sector is rife with scammers, but NADCA members usually are legitimate. Expect to spend around $1,000 to clean the ducts of an average-sized home of about 2,350 square feet. Any company that promises to clean ducts for significantly less is likely to either do a slipshod job or find excuses to pad your bill during the job. Ducts should be cleaned once every five years or so.</p> <p>Before signing a contract, confirm that the duct cleaner will clean your air conditioner&rsquo;s blower and coil -- some duct cleaners ignore these components and clean only the ducts. </p> <p style="text-align: center; color: #0618aa; text-transform: uppercase; font-size: 14px; font-weight: bold;">BEST AND WORST UPGRADES</p> <p>If someone in your household has severe allergies or asthma, you might be tempted to invest in an air-filtration or purification system. While some high-end products truly deliver cleaner air, others are a waste of money... </p> <p class="yiv452270632indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>MERV 10 or higher pleated filters</strong> do a wonderful job of trapping particulates and preventing mold and bacteria growth -- but there&rsquo;s a catch. Filters with MERV ratings above 8 or so tend to be too deep to fit in the filter compartments of standard residential HVAC systems. Installing a larger filter holder is likely to cost $700 to $1,000. </p> <p>MERV 10 replacement filters typically cost $40 to $60 each and last around six months.</p> <p><strong><em>Verdict:</em></strong> This is probably the most cost-effective high-end filtration option, even if you have to retrofit your system to accommodate the filter. </p> <p><em>Whole-house air cleaners that accommodate high-MERV filters include:</em> Aprilaire Models 2210/2310/2410/2250, which ship with a MERV 10 but have the option to upgrade to a MERV 13 (800-334-6011, <a href="http://news.bottomlinepublishing.com/a/hBN33raB8V0u3B8bZeuNLCU9Ztg/bls3" target="_blank" rel="nofollow">www.Aprilaire.com</a>)... Honeywell F100 Whole-House Media Air Cleaner (877-271-8620, <a href="http://news.bottomlinepublishing.com/a/hBN33raB8V0u3B8bZeuNLCU9Ztg/bls1" target="_blank" rel="nofollow">http://YourHome.Honeywell.com/home</a>). </p> <p class="yiv452270632indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>High-Efficiency Particulate Air (HEPA) whole-house filters</strong> have impressive MERV ratings of 16 and up. Unfortunately, residential whole-house HEPA filters are "bypass filters," which means that they subject only a small percentage of the air that passes through the HVAC system to extreme filtration on each circulation. Bypass systems do a fine job of removing particulates from the air, but they do little to prevent the growth of mold and bacteria within the HVAC system, which is the greater threat to residential air quality. </p> <p><strong><em>Verdict:</em></strong> Not worth the cost (around $2,000 to $3,000) except, perhaps, for those with severe allergies to particulates, such as pollen and pet dander. </p> <p class="yiv452270632indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Electronic filters</strong> attach an electrical charge to particles that pass through, then collect the charged particles on an oppositely charged metal plate. In theory, that should be effective. In practice, these systems must be cleaned at least once a month to remain effective. Few home owners do this, so their electronic filters soon become useless. </p> <p><strong><em>Verdict:</em></strong> Don&rsquo;t bother. I&rsquo;ve yet to see a residential electronic filter that&rsquo;s still functioning properly after a year. </p> <p class="yiv452270632indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>Ultraviolet-light air purifiers</strong> supposedly kill germs by irradiating the air that passes through the HVAC system. The technology works well in hospitals and other large industrial applications, but residential UV purifiers are so much less powerful that they are essentially worthless.</p> <p><strong><em>Verdict:</em></strong> A total waste of money.</p> <p class="yiv452270632indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif"></img><strong>A hot water-circulating heating system</strong> reduces the odds of respiratory problems by perhaps 50%, compared with forced-air heating systems -- even if central air-conditioning is still used a few months of the year. Unfortunately, making this change in an existing home could cost tens of thousands of dollars. </p> <p><strong><em>Verdict:</em></strong> Switching to a water-circulating heating system is worth considering if you are remodeling or building a home and a family member suffers from serious respiratory problems.</p> <p style="text-align: center; color: #0618aa; text-transform: uppercase; font-size: 14px; font-weight: bold;">PORTABLE AIR CLEANERS</p> <p>These do an effective job of removing particulates, such as pollen, from the air, but they will not prevent mold and bacteria from growing inside your home&rsquo;s central-air system. </p> <p><strong>Buying advice:</strong> Choose a model with a "Clean Air Delivery Rate" (CADR) of at least 100. Avoid those with electronic filters regardless of their CADRs, however. Not only do electronic filters become useless if not cleaned frequently, they often produce ozone, a lung irritant, so they can create respiratory problems. Also, check portable air cleaners&rsquo; decibel rating before buying -- you don&rsquo;t want one much over 50 decibels. Noisy portable air filters are a common complaint. </p> <p style="text-align: center; color: #0618aa; text-transform: uppercase; font-size: 14px; font-weight: bold;">WINDOW AIR CONDITIONERS</p> <p>Window air-conditioner units tend to use filters rated MERV 3 or lower. </p> <p><strong>Buying advice:</strong> A company called WEB Products makes a MERV 7 "Washable Electrostatic Filter" specifically for window air conditioners. It&rsquo;s the best filter on the market for window units -- though I recommend disposing of these filters each cooling season rather than washing and reusing them (800-875-3212, <a href="http://news.bottomlinepublishing.com/a/hBN33raB8V0u3B8bZeuNLCU9Ztg/bls5" target="_blank" rel="nofollow">www.WebProducts.com</a>, search for "WRAC," $6.99 each).</p> <p>For more information about this article&nbsp;or to request an auto, home, life, or business insurance quote in KY&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <p><em><strong>Bottom Line/Personal</strong></em> interviewed Jeffrey C. May, MA, founder and principal scientist of May Indoor Air Investigations LLC, an air-quality assessment company in Tyngsborough, Massachusetts. He is author of several books on indoor environments, including <a href="http://news.bottomlinepublishing.com/a/hBN33raB8V0u3B8bZeuNLCU9Ztg/bls7" target="_blank" rel="nofollow"><em>Jeff May&rsquo;s Healthy Home Tips</em></a> and <a href="http://news.bottomlinepublishing.com/a/hBN33raB8V0u3B8bZeuNLCU9Ztg/bls6" target="_blank" rel="nofollow"><em>My House Is Killing Me!</em></a> (both from The Johns Hopkins University Press). <a href="http://news.bottomlinepublishing.com/a/hBN33raB8V0u3B8bZeuNLCU9Ztg/bls4" id="yui_3_2_0_5_1310943119301154" target="_blank" rel="nofollow">www.MayIndoorAir.com</a></p>urn:uuid:bd272108-3b9f-4bf2-8df8-836eb86a5d89 Wed, 06 Jul 2011 10:45:29 -0500 FRANKFORT, Ky. -- Less than two weeks remain for Kentucky residents affected by the severe storms, tornadoes and floods that struck the Commonwealth between April 12 and May 20 to register with the Federal Emergency ...Fri, 08 Jul 2011 10:47:35 -0500<i> <p dir="LTR">Wed, 06 Jul 2011 10:45:29 -0500</p> </i> <p dir="LTR">FRANKFORT, Ky. -- Less than two weeks remain for Kentucky residents affected by the severe storms, tornadoes and floods that struck the Commonwealth between April 12 and May 20 to register with the Federal Emergency Management Agency (FEMA) for disaster assistance. </p>urn:uuid:d26c8c85-43dd-4d99-8e74-78618a4851cbDave Ramsey Pay off your smallest debt first to be motivated to continue paying off your debts. Most financial advisers recommend paying your largest debts and those with the highest interest rate first, but that can take time, which can be frustrat...Thu, 07 Jul 2011 09:56:42 -0500Dave Ramsey<br /> <br /> Pay off your smallest debt first to be motivated to continue paying off your debts. Most financial advisers recommend paying your largest debts and those with the highest interest rate first, but that can take time, which can be frustrating. Paying off the smallest debt completely makes you feel that you really are making progress. <em>Caution:</em> Be sure that you continue to make at least minimum payments on larger obligations, such as car loans, credit card bills and student loans.<br /> <p>For more information about this advice&nbsp;or to request an auto, home, life, or business insurance quote in KY&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <div id="yui_3_2_0_5_1310047081950523" style="font-size: 12px;"><em><strong>Bottom Line/Personal</strong></em> interviewed Dave Ramsey, financial counselor, Brentwood, Tennessee, and author of <a href="http://news.bottomlinepublishing.com/a/hBN2NDOB8V0u3B8bTCCNLCU9ZAK/bls4" target="_blank" rel="nofollow"><em>The Total Money Makeover</em></a> (Thomas Nelson). <a href="http://news.bottomlinepublishing.com/a/hBN2NDOB8V0u3B8bTCCNLCU9ZAK/bls3" id="yui_3_2_0_5_1310047081950521" target="_blank" rel="nofollow">www.DaveRamsey.com</a></div>urn:uuid:f5711598-8a4e-4f61-bb1c-eeafad39a916Harry S. Margolis ElderLaw Radio (www.ElderLawAnswers.com) features experts to help older seniors and their families handle legal issues... health matters... family issues, ranging from disputes between generations to nursing-home choices... and per...Mon, 04 Jul 2011 22:32:01 -0500<div style="color: #0618aa; font-size: 16px; font-weight: bold;"><span style="font-size: 13px;">Harry S. Margolis</span></div> <div style="color: black; font-size: 14px; font-style: italic; font-weight: normal;"><br /> <span style="font-size: 13px;">ElderLaw Radio (</span><a href="http://news.bottomlinepublishing.com/a/hBN1j0FB8V0u3B8bRFGNLCU9ZCN/bls2" target="_blank" rel="nofollow"><span style="font-size: 13px;">www.ElderLawAnswers.com</span></a>) features experts to help older seniors and their families handle legal issues... health matters... family issues, ranging from disputes between generations to nursing-home choices... and personal situations, such as making the transition from working life to retirement. Access is free.<br /> <p>For more information about this article&nbsp;or to request an auto, home, life, or business insurance quote in KY&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <br /> <em><strong>Bottom Line/Personal</strong></em> interviewed Harry S. Margolis, elder-law attorney and cofounder, ElderLawAnswers, Providence. </div>urn:uuid:a1cab4cf-aba9-46ff-84a0-5d8daca32b51Rick Doble Little tricks that can save you big bucks when you fill up your vehicle at the gas pump... Get that "Check Engine" light checked promptly. When this dashboard warning light comes on, it often means that the vehicle&rsquo;s oxygen sensor h...Wed, 29 Jun 2011 23:28:21 -0500Rick Doble<br /> <br /> Little tricks that can save you big bucks when you fill up your vehicle at the gas pump... <p><strong>Get that "Check Engine" light checked promptly.</strong> When this dashboard warning light comes on, it often means that the vehicle&rsquo;s oxygen sensor has failed -- and that could reduce the engine&rsquo;s fuel efficiency by as much as 40%. </p> <p><strong>Replace your air filter regularly.</strong> A clogged air filter can reduce fuel efficiency by up to 10%. Filters typically last about 12 months or 12,000 miles, but inspect yours every three months. If you see significant amounts of grime on the filter, replace it. Check your air filter every one to two months if you do a lot of driving on dirt roads. Replacing an air filter is a simple job -- the vehicle&rsquo;s owner&rsquo;s manual explains how. Replacement air filters typically cost less than $15. </p> <p><strong>Check your tire pressure at least once every three months.</strong> Keeping tires inflated to the recommended pressure could improve your fuel efficiency by 10%. It also could extend the life of your tires and reduce the odds of a dangerous blowout. The proper tire pressure should be listed in the owner&rsquo;s manual, inside the driver&rsquo;s door of the vehicle or inside the glove compartment on a sticker.</p> <p><strong>Use cruise control when driving on open roads.</strong> Cruise control keeps the vehicle&rsquo;s speed much steadier than you could on your own. Even slight surges in speed result in noticeably lower fuel efficiency. </p> <p><strong><em>Exception:</em></strong> Turn off the cruise control when driving on mountainous terrain. Trying to hold to a specific speed on steep inclines and declines tends to use more gas, not less. </p> <p><strong>Stick to the speed limit.</strong> One recent study found that driving 65 miles per hour (mph) instead of 75 mph resulted in an average fuel savings of 12%. Vehicles with poor aerodynamics, such as vans, RVs and SUVs, are likely to save even more by slowing down. </p> <p><strong>Avoid sudden starts and stops.</strong> Coast gently to stoplights and stop signs. Accelerate conservatively. Braking hard and accelerating rapidly reduce fuel efficiency by anywhere from 5% to more than 30%. If there is more than one way to reach a destination, select the shortest route that has the fewest stop signs and stoplights.</p> <p><strong>Go easy on the air conditioner (A/C).</strong> Modern cars have efficient A/C systems, so running the A/C won&rsquo;t decrease your fuel efficiency by much, but you still can save as much as 5%. <em>Best:</em> Try to use the A/C when driving on highways -- the drag created by open windows reduces fuel efficiency at high speeds -- but open the windows when driving slowly. </p> <p><strong>Lighten up.</strong> Take stuff out of the trunk, and remove rarely used roof racks.<br /> <br /> For more information about this article&nbsp;or to request an auto, home, life, or business insurance quote in KY&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234 </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><strong>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> </strong><a href="http://www.bottomlinesecrets.com/" target="_blank"><strong>www.BottomLineSecrets.com</strong></a></p> <p><em><strong>Bottom Line/Personal</strong></em> interviewed Rick Doble, founder of Savvy-Discounts.com, based in Smyrna, North Carolina. He is coauthor of <a href="http://news.bottomlinepublishing.com/a/hBNzQKvB8V0u3B8bDqLNLCU9ZJ1/bls3" target="_blank" rel="nofollow"><em>Cheaper: Insiders&rsquo; Tips for Saving on Everything</em></a> (Ballantine). <a href="http://news.bottomlinepublishing.com/a/hBNzQKvB8V0u3B8bDqLNLCU9ZJ1/bls2" id="yui_3_2_0_3_13094009686841034" target="_blank" rel="nofollow">www.Savvy-Discounts.com</a></p>urn:uuid:898b2ff7-6f1d-4d7f-9c17-36cc0bbee1e9Don Vandervort Heating and cooling systems typically are responsible for the greatest portion of home energy bills. Here are ways to stay comfortable and still save money... Create more zones.&nbsp;Homes with heating and cooling "zones," where one...Sat, 25 Jun 2011 22:23:31 -0500<div style="color: rgb(6,24,170); font-size: 16px; font-weight: bold;">Don Vandervort</div> <div style="font-style: italic; color: black; font-size: 14px; font-weight: normal;"></div> <br /> <div id="yui_3_2_0_3_1309057716915168"><br /> Heating and cooling systems typically are responsible for the greatest portion of home energy bills. Here are ways to stay comfortable and still save money... <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;"><strong style="font-weight: bold;">Create more zones.</strong>&nbsp;Homes with heating and cooling "zones," where one part of the house can be cooler or warmer than the other, are ideal for saving energy. If your home has a ducted forced-air heating-and-cooling system that wasn&rsquo;t initially designed as a zoned system, dampers can be installed to create a similar effect. Consider hiring a professional to install in the key ducts a series of motorized dampers that direct heated or cooled air where it&rsquo;s needed.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;"><em style="font-style: italic;"><strong style="font-weight: bold;">Cost:</strong></em>&nbsp;About $1,000, depending on the type of damper and ease of accessing ductwork.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;"><strong style="font-weight: bold;">Install room air-conditioning units.</strong>&nbsp;If you and your family spend several hours a day in one room, such as the living room, an air conditioner in a window or wall or a portable unit might help save money even if you have central air-conditioning. You can turn on one of these units instead of central air and save energy. A portable unit, which sits on the floor and can be easily moved, has a venting hose that is put in an open window, along with a temporary sealing device.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;"><em style="font-style: italic;"><strong style="font-weight: bold;">Cost:</strong></em>&nbsp;$120 to $600.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;"><strong style="font-weight: bold;">Install ceiling fans.</strong>&nbsp;Ceiling fan technology has improved considerably and can help you save as much as 30% off your air-conditioning bills by better circulating air. Look for the Energy Star designation for energy efficiency.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;"><em style="font-style: italic;"><strong style="font-weight: bold;">Cost:</strong></em>&nbsp;Between $80 and $500 or more per fan, plus installation.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;"><strong style="font-weight: bold;">Make ductwork more efficient.</strong>&nbsp;Researchers at&nbsp;University of Oregon&nbsp;found that central heating and cooling systems that use ductwork lose as much as 50% of their energy through leaky ductwork. Have ductwork inspected for leaks once every three years by a heating contractor. All connections should be properly sealed, preferably with metal-reinforced tape or mastic, a rubbery fiber-reinforced goo that is applied with a brush. Some homes have flexible ductwork with built-in fiberglass insulation. Rigid metal ductwork needs to be wrapped with fiberglass duct insulation. All are available on-line and at most home-improvement stores.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;">Another way to make your ducts efficient is to apply an aerosol sealant called Aeroseal, developed by Lawrence&nbsp;Berkeley&nbsp;National Laboratory and licensed by Carrier Aeroseal, LLC. This aerosol, which must be applied by a Carrier-approved contractor, seals leaks, reducing energy loss by as much as 90%. To find a contractor, go to&nbsp;<a href="http://news.bottomlinepublishing.com/a/hBNw8gpB8V0u3B8a2q4NLCU9ZhR/bls7" style="outline-style: none; color: rgb(35,71,134); text-decoration: underline;" target="_blank" rel="nofollow">www.aeroseal.com</a>&nbsp;and click on "Locate Dealer."</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;"><em style="font-style: italic;"><strong style="font-weight: bold;">Cost of application:</strong></em>&nbsp;$300 to $1,800, depending on the size of your home.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;"><strong style="font-weight: bold;">Install heat-recovery ventilators (HRVs).</strong>&nbsp;These units get rid of air contaminants, such as cooking odors, cigarette smoke, dust and mold. HRVs also grab much of the heat or cold from that outgoing air and recycle it back into the house with the incoming fresh air, cutting energy costs. They are especially useful in tightly sealed homes.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;"><em style="font-style: italic;"><strong style="font-weight: bold;">Cost:</strong></em>&nbsp;Room-sized models run from $350 to $450... whole-house units can cost $1,500 or more, plus installation.<br /> <br /> </p> </div> <p>For more information about the above article&nbsp;or to request an auto, life, business or&nbsp;home insurance&nbsp;quote in KY&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong><strong><i>and</i></strong><strong><i> </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p>&nbsp;</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <br /> <div id="yui_3_2_0_3_1309057716915174" style="font-size: 12px;"><em style="font-style: italic;"><strong style="font-weight: bold;">Bottom Line/Personal</strong></em>&nbsp;interviewed Don Vandervort, founder of&nbsp;<a href="http://hometips.com/" style="outline-style: none; color: rgb(35,71,134); text-decoration: underline;" target="_blank">HomeTips.com</a>. A leading home-improvement expert based in&nbsp;Glendale, California, he has written more than 30 books on home improvement, including&nbsp;<a href="http://news.bottomlinepublishing.com/a/hBNw8gpB8V0u3B8a2q4NLCU9ZhR/bls8" style="outline-style: none; color: rgb(35,71,134); text-decoration: underline;" target="_blank" rel="nofollow"><em style="font-style: italic;">Home Magazine&rsquo;s How Your House Works</em></a>(Ballantine) and&nbsp;<a href="http://news.bottomlinepublishing.com/a/hBNw8gpB8V0u3B8a2q4NLCU9ZhR/bls10" style="outline-style: none; color: rgb(35,71,134); text-decoration: underline;" target="_blank" rel="nofollow"><em style="font-style: italic;">The Home Problem Solver</em></a>&nbsp;(Perseus). He appeared as segment host on HGTV&rsquo;s&nbsp;<em style="font-style: italic;">The Fix</em>.&nbsp;<a href="http://news.bottomlinepublishing.com/a/hBNw8gpB8V0u3B8a2q4NLCU9ZhR/bls24" id="yui_3_2_0_3_1309057716915171" style="outline-style: none; color: rgb(35,71,134); text-decoration: underline;" target="_blank" rel="nofollow">www.hometips.com</a>.</div>urn:uuid:60f26bdc-7e67-4c99-b4a2-63348d059cbbAccording to a National Fire Protection Association study, there are approximately 400,000 house fires each year in the United States, which account for 75 percent of all structure fires. This study also indicated that residential fires result in ove...Sun, 19 Jun 2011 22:03:29 -0500<p>According to a National Fire Protection Association study, there are approximately 400,000 house fires each year in the United States, which account for 75 percent of all structure fires. This study also indicated that residential fires result in over 3,700 deaths per year. Indeed, fires typically kill more Americans than all other natural disasters combined.</p> <p>Having properly placed fire extinguishers in your home is an excellent loss control measure that targets the most common cause of property loss. </p> <p>Before purchasing fire extinguishers, learn about the different types of fire extinguishers. There are four basic types, as follows.</p> <ul> <li>Class A extinguishers put out fires in ordinary combustibles, such as wood and paper. </li> <li>Class B extinguishers should be used on fires involving flammable liquids, such as grease, gasoline, and oil. </li> <li>Class C extinguishers are suitable for electrically energized fires. </li> <li>Class D extinguishers should be used on flammable metals and are typically specific for the type of metal in question. </li> </ul> <p>The following are some tips concerning this important fire protection device.</p> <ul> <li>Most home fire safety experts recommend medium size, multipurpose fire extinguishers that are labeled as suitable for use on class A, class B, and class C fires. </li> <li>A fire extinguisher should be kept in your garage, kitchen, and on each floor of your home. </li> <li>You and other potential users in your household should thoroughly read the extinguisher's instructions on a periodic basis. </li> <li>A professional fire equipment supplier should inspect each extinguisher annually. </li> </ul> <p>Note that prices on fire extinguishers start at around $20. Many insurers offer modest premium credits to encourage homeowners to purchase and maintain extinguishers.<br /> <br /> </p> <p>For more information about purchasing and maintaining your fire extinguishers&nbsp;or to request an auto, life, business or home&nbsp;insurance quote in KY&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong></strong></p> <p><strong><i>Disclaimer: Hamilton Insurance Group </i></strong>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p>Get more <a href="http://www.irmi.com/expert/landing-pages/personal-lines/personal-risk-management/default.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="TextAlignCenter">Copyright 2010<br /> <a href="http://www.irmi.com/default.aspx">International Risk Management Institute, Inc.</a> </p>urn:uuid:2f563e07-de1a-4963-9b44-16c43be3a4b1<img src='http://bottomlinesecrets.com/images/bullets/blue_bullet.gif' align='left' />Barbara Corcoran If you&rsquo;re putting your house on the market this spring, congratulations -- you probably missed the worst of the real estate crash. Home prices have begun to flatten or rise in some parts of the country. But it is hardly a se...Wed, 15 Jun 2011 22:13:37 -0500<div style="font-family: arial, helvetica, sans-serif; color: #0618aa; font-size: 16px; font-weight: bold;">Barbara Corcoran</div> <br /> <div><br /> <span style="line-height: 30pt; width: auto; padding-right: 5px; font-family: times, 'times new roman'; float: left; color: #0618aa; font-size: 42pt; font-weight: bold;">I</span>f you&rsquo;re putting your house on the market this spring, congratulations -- you probably missed the worst of the real estate crash. <p>Home prices have begun to flatten or rise in some parts of the country. </p> <p>But it is hardly a seller&rsquo;s market and median prices remain 20% to 25% below 2006 peak levels. You need to stage, advertise and price your property much more carefully than during a boom. <em>Steps to take...</em></p> <p><strong>Choose a shrewd broker.</strong> During the boom, about one-fifth of all home sellers saved themselves the 6% average sales commission by listing their properties For Sale By Owner (FSBO). That&rsquo;s riskier in a down market. For example, you could lose more money by mispricing your home than you would have to pay an agent. Brokers are practiced at showing houses and playing up the qualities that buyers care about most. And many will "prequalify" anyone who makes an offer, doing a preliminary credit check.</p> <p>To get the right broker, first find out which real estate firm dominates the business in your area by looking at For Sale signs and talking to neighbors. Then call the sales manager and ask for the broker in the top 10% of the office&rsquo;s sales rankings. These agents generate 90% of revenues. They&rsquo;re the most likely to sell your home at the best price. </p> <p>Before you commit yourself to a relationship with a broker, ask him/her extensive questions to be sure that... </p> <p class="yiv877340464indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />The person has sold several homes in your general neighborhood and that those homes sold for attractive amounts.</p> <p class="yiv877340464indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />No more than six months passed between the first listing of a home and the contract signing in the vast majority of cases.</p> <p class="yiv877340464indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />The broker has a marketing plan tailored to your property. </p> <p><strong>Get your marketing right.</strong> Most home buyers start their searches online. Make sure your property is listed on the five biggest Web sites for real estate sales -- <a href="http://news.bottomlinepublishing.com/a/hBNrrBkB8V0u3B8acP9NLCU9Z3U/bls22" target="_blank" rel="nofollow"><span class="yshortcuts" id="lw_1308192947_10" style="color: #0066cc;">Yahoo</span></a>, <a href="http://news.bottomlinepublishing.com/a/hBNrrBkB8V0u3B8acP9NLCU9Z3U/bls4" target="_blank" rel="nofollow"><span class="yshortcuts" id="lw_1308192947_11" style="color: #0066cc;">Craigslist.org</span></a>, <a href="http://news.bottomlinepublishing.com/a/hBNrrBkB8V0u3B8acP9NLCU9Z3U/bls21" target="_blank" rel="nofollow"><span class="yshortcuts" id="lw_1308192947_12" style="color: #0066cc;">Trulia</span></a>, <a href="http://news.bottomlinepublishing.com/a/hBNrrBkB8V0u3B8acP9NLCU9Z3U/bls23" target="_blank" rel="nofollow"><span class="yshortcuts" id="lw_1308192947_13" style="color: #0066cc;">Zillow</span></a> and <a href="http://news.bottomlinepublishing.com/a/hBNrrBkB8V0u3B8acP9NLCU9Z3U/bls18" target="_blank" rel="nofollow"><span class="yshortcuts" id="lw_1308192947_14" style="color: #0066cc;">Homes.com</span></a>. If your broker doesn&rsquo;t provide this service, you can post a listing on Craigslist, Yahoo and Zillow. (If you have given the broker an exclusive listing, the broker collects the commission even if it is your Web listing that attracts the buyer.) Only real estate professionals can list on Homes.com and Trulia. Advertising costs range from nothing for a Craigslist.org or basic Yahoo listing to $300 and up for enhanced features such as first-page positioning, slide shows and videos on some sites. Besides raising your home&rsquo;s visibility, Trulia, Zillow and Homes.com let you or your broker keep track of the traffic your listings generate and see what comparable properties have fetched recently.</p> <p><strong>Use professional photos.</strong> Market research shows that photos influence house hunters more than any other marketing tool. A wide-angle lens will magnify your space, and good lighting compensates for any shadows. Some brokers send a professional photographer to take the photos for a new listing -- if yours does not, hire one yourself. This can cost as little as $100 or over $500 depending on where you live and how big your property is.</p> <p><strong>Stage creatively.</strong> Back during the boom, home sellers spent tens of thousands of dollars on trendy appliances to lure buyers -- and it worked. In fact, a Sub-Zero refrigerator was said to add twice its price to the value of a house. Today you can&rsquo;t count on recovering hefty remodeling costs, because buyers want a bargain more than they want state-of-the-art decor.</p> <p>So make the most of what you already have by taking these steps... </p> <p><strong>Clean out the closets.</strong> Neatness implies that you take care of things. Buyers may think a messy closet means faulty plumbing and wiring. </p> <p><strong>Throw out the clutter.</strong> Every piece of junk reduces your home&rsquo;s value because people can&rsquo;t see past it. Rent storage space for a few months if necessary. </p> <p><strong>Let the light in.</strong> Buyers prize brightness above everything else except location. Take down heavy drapes, wash the windows, move furniture away from windows, and trim any outdoor foliage that blocks the sun. Paint walls a creamy white.</p> <p><strong>Borrow from the pros.</strong> Attend an open house at a new development to check out the latest decorating trends. Pretentious, "Trumplike" luxury isn&rsquo;t popular today. Ten years ago, buyers wanted kitchens with cherrywood cabinets, black granite countertops and black appliances. Now the preferred look is French country kitchen -- white cabinets, blond countertops and stainless steel appliances. Instead of installing new kitchen cabinets, put new doors and knobs on the ones you have. And because buyers like a "spa" feeling in the bath nowadays, consider buying a "rainfall" showerhead for $200. </p> <p><strong>Price with care.</strong> Underpricing is often the smartest strategy. The market will correct a low asking price -- you entice multiple buyers with a great value, then let them bid against one another. The worst thing you can do is start too high and ratchet down your asking price by degrees. Buyers will smell desperation, making low-ball offers, or they will wait to bid until your asking price reaches rock bottom. </p> <p><strong>Offer an up-front financial incentive.</strong> In today&rsquo;s market, buyers are looking for value. So a cash incentive can give you a huge advantage over other sellers. Even a relatively small gesture works -- anything free will make an impression.</p> <p><em><strong>Example:</strong></em> Offer to pick up all or part of the closing costs, which can run from 2% to 8% of the sale price. Don&rsquo;t wait for potential buyers to ask for this perk, which has become more common lately. Advertise it in advance, and more people will want to view your property. </p> <p>Or you can sweeten the deal by offering to prepay property taxes for the first year. In a buyer&rsquo;s mental arithmetic, a year without property taxes sounds like a year of living gratis. It carries so much value that you may more than recoup the expense with a higher sale price. Including fixtures or furnishings that a buyer likes also can help nurture a deal. </p> <p><strong>Consider seller financing.</strong> Offering to finance the purchase of your home can be a win-win for you and your buyer. There&rsquo;s no need to be skittish about this technique -- about one-fifth of all home sales in the US involve whole or partial seller financing. Buyers may not be able to qualify for an institutional mortgage because, say, they are self-employed or they can&rsquo;t come up with a 20% down payment in time.</p> <p>If you don&rsquo;t have a mortgage to pay off... aren&rsquo;t buying another house... and don&rsquo;t have another pressing need for the cash, you can charge 4.5% to 5% on the loan, and your collateral is a property you know and trust. The buyer gets to skip the hassle of applying for a mortgage and saves on closing costs. The down payment becomes negotiable -- an advantage to the buyer that may translate into a higher sale price for you. And you may be able to spread any capital gains taxes you owe on your home over several years because you&rsquo;re making an installment sale. </p> <p><em><strong>Important:</strong></em> Have your lawyer or accountant perform a credit check on the buyer, which usually costs $50 to $60, and draw up a formal promissory note. The contract should stipulate that you may take over the property if the buyer falls behind on payments by more than one or two months, depending on how tough you want to be.<br /> <br /> </p> <p>For more information about this article&nbsp;or to request an auto, home, life, or business insurance quote in KY&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong></strong></p> <p><i><strong>Disclaimer: Hamilton Insurance Group </strong>and<strong> </strong></i><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p>&nbsp;</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <p><em><strong>Bottom Line/Personal</strong></em> interviewed Barbara Corcoran, founder of the Corcoran Group real estate company and president of Barbara Corcoran Inc., <span class="yshortcuts" id="lw_1308192947_15">New York City</span>. She is the weekly real estate contributor for NBC&rsquo;s <em>Today</em> show and a panelist on ABC&rsquo;s entrepreneurial reality series <em>Shark Tank</em>. She is author of <a href="http://news.bottomlinepublishing.com/a/hBNrrBkB8V0u3B8acP9NLCU9Z3U/bls6" target="_blank" rel="nofollow"><em><span class="yshortcuts" id="lw_1308192947_16" style="color: #0066cc;">Use What You&rsquo;ve Got</span></em></a> (Portfolio) and <a href="http://news.bottomlinepublishing.com/a/hBNrrBkB8V0u3B8acP9NLCU9Z3U/bls5" target="_blank" rel="nofollow"><em><span class="yshortcuts" id="lw_1308192947_17" style="color: #0066cc;">Nextville: Amazing Places to Live Your Life</span></em></a> (Springboard). <a href="http://news.bottomlinepublishing.com/a/hBNrrBkB8V0u3B8acP9NLCU9Z3U/bls1" id="yui_3_2_0_3_1308192825190180" target="_blank" rel="nofollow"><span class="yshortcuts" id="lw_1308192947_18" style="color: #0066cc;">www.BarbaraCorcoran.com</span></a> </p> </div> <br />urn:uuid:294557b1-f84e-4911-873c-c9aae739156aEric Peters Lots of smells can invade an automobile, some that are benign and others that signal trouble. Here, common car smells, what they are trying to tell you and how you or your mechanic can get rid of them... Rotten egg/sulfur smell Especial...Sun, 12 Jun 2011 21:48:21 -0500<div style="color: #0618aa; font-size: 16px; font-weight: bold;">Eric Peters</div> <br /> <div id="yui_3_2_0_3_1307887019336778"><br /> Lots of smells can invade an automobile, some that are benign and others that signal trouble. Here, common car smells, what they are trying to tell you and how you or your mechanic can get rid of them... <p class="yiv1314245532subhead">Rotten egg/sulfur smell</p> <p>Especially if it&rsquo;s very strong and constant, this could be a sign that your car&rsquo;s catalytic converter isn&rsquo;t properly processing the by-products of combustion. There could be a problem with the converter itself or with the engine. </p> <p><strong><em>What to do:</em></strong> Get a constant sulfur smell checked out quickly to avoid ruining the catalytic converter. <em>Cost:</em> A car manufacturer&rsquo;s factory replacement unit can cost $300 or more. </p> <p><strong><em>Helpful:</em></strong> Avoid buying gas at lightly trafficked gas stations. The fuel may be old and possibly contaminated, which can trigger problems with your car&rsquo;s emissions control system and possibly damage the catalytic converter. </p> <p style="text-align: center; text-transform: uppercase; color: #0618aa; font-size: 14px; font-weight: bold;">Gasoline smell</p> <p>All cars built since the early 1980s have vapor-recovery systems designed to prevent gasoline vapors from wafting into the surrounding air. So if you do smell gas, other than when you are filling the tank, it&rsquo;s possible that your vapor-recovery system isn&rsquo;t working properly -- or worse, that there&rsquo;s an actual gas leak somewhere. The latter is an obvious fire hazard. </p> <p><strong><em>What to do:</em></strong> If the gas smell is strong, it is best not to drive the car at all and instead call for a tow to your dealership or repair shop. The possible repairs could involve problems that range from simply replacing a leaky fuel rail (which connects fuel lines and injectors) to repairing or replacing a gas tank. </p> <p><strong><em>Helpful:</em></strong> Be sure that you fully tighten your gas cap after filling up. It is an integral part of a modern car&rsquo;s emissions control system. If you leave it loose, vapors will escape and, in addition to the gas smell, your car&rsquo;s "check engine" light probably will come on, requiring a visit to a repair shop or auto-parts store to clear the code from the computer that triggers the light (some shops will do it for free).</p> <p style="text-align: center; text-transform: uppercase; color: #0618aa; font-size: 14px; font-weight: bold;">Sickly sweet/oily smell</p> <p>Engine coolant has a very distinctive sweet/oily smell. If you notice this smell outside the car, check underneath for puddles and drips to see if there is a leak somewhere in the cooling system. </p> <p>If you notice this smell inside your car, check for dampness around the passenger side foot well. If you find wetness, you probably have a leaking heater core. A related symptom is a sticky film coming out of the defroster ducts that settles on the windshield.</p> <p><strong><em>What to do:</em></strong> This is one of those problems that starts out small and gets worse over time, so the sooner you can get it fixed the better. Repairs could range from replacing leaking hoses (a replacement hose costs about $25) to replacing a heater core, which can cost several hundred dollars.</p> <p style="text-align: center; text-transform: uppercase; color: #0618aa; font-size: 14px; font-weight: bold;">Musty/moldy smell</p> <p>Condensation may be collecting in the vehicle&rsquo;s air-conditioning system instead of draining out as it should.</p> <p><strong><em>What to do:</em></strong> Look underneath the car in the area near the passenger-side floor pan, usually toward the front, where it meets up with the firewall that separates what&rsquo;s under the hood from the passenger compartment. </p> <p>If there is mud or caked-on debris, try to wash it away with a garden hose. The air-conditioning system&rsquo;s drainage holes could be blocked, causing the moisture buildup. If you can&rsquo;t find anything obvious, it&rsquo;s a good idea to take the car in for a professional diagnosis. Mold can be unhealthy as well as unpleasant. </p> <p>If the air-conditioning system needs major work or the ducts need to be taken out, it can be a big job costing several hundred dollars. But if it can be cleaned out without disassembly (shops have chemicals and tools for this), then it will cost less. Moldy smells also can be caused by water getting into the carpets from leaky windows or doors.</p> <p><strong><em>Helpful:</em></strong> Many late-model cars have cabin-filtration systems, but drivers often neglect to periodically clean or replace the filters. Check your owner&rsquo;s manual to see whether your car has a cabin-filtration system, and follow the recommended service schedule for cleaning and replacement. </p> <p style="text-align: center; text-transform: uppercase; color: #0618aa; font-size: 14px; font-weight: bold;">Acrid/burning hair smell</p> <p>The friction material that lines clutch discs and brake pads can produce this smell, especially during hard use or abuse, such as riding the clutch or brakes excessively. </p> <p><strong><em>What to do:</em></strong> Try to correlate the smell with the situation. For example, if it arises when you&rsquo;re descending a long, steep grade, it&rsquo;s probably coming from the brakes. If it happens when you&rsquo;re accelerating and you have a manual transmission, it&rsquo;s more likely to be the clutch. </p> <p>If the brake pads and/or shoes are worn out, they&rsquo;ll need to be replaced. Replacing front brake pads typically costs less than $100. If the clutch is failing, replacing it can cost $500 to $800. </p> <p><strong><em>Helpful:</em></strong> Downshift the transmission to a lower gear when going sharply downhill (in automatics, just go down one gear from the "drive" position) to avoid overusing the brakes, which could lead to reduced brake performance as well as excessive wear and tear. If you have a manual transmission, avoid riding the clutch for very long when starting out and when stopping. Smooth, progressive engagement will help extend clutch life.</p> <p style="text-align: center; text-transform: uppercase; color: #0618aa; font-size: 14px; font-weight: bold;">Burning oil smell</p> <p>This often is the result of a failing gasket or seal that lets engine oil seep onto hot engine parts, where it cooks off. The good news is that if the leak is minor (just some light wetness or, at most, a few drops), it&rsquo;s usually more of an unpleasant annoyance than an urgent problem. The bad news is that small leaks often become bigger leaks. If the oil smell is coming from the tailpipe (look for smoke with a bluish haze), it is a symptom of a worn-out engine in which oil is seeping into the combustion chamber and being burned up along with the air and fuel. </p> <p><strong><em>What to do:</em></strong> Mention the leak the next time your car is in for service. A repair shop will perform tests to determine the condition of the engine. </p> <p style="text-align: center; text-transform: uppercase; color: #0618aa; font-size: 14px; font-weight: bold;">That "new-car smell"</p> <p>This "chemical" smell is the result of the evaporation of <em>volatile organic compounds</em> (VOCs) from plastic and rubber -- the materials that are used to make most of the interior parts of the vehicle, such as dashboards, door panels, seat materials and carpets. It typically goes away on its own as the car ages.</p> <p><strong><em>What to do:</em></strong> Keep the windows open to allow better airflow.</p> <p>For more information about this article&nbsp;or to request an auto, home, life, or business insurance quote in KY&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong></strong></p> <p><i><strong>Disclaimer: Hamilton Insurance Group </strong>and<strong> </strong></i><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p>&nbsp;</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.BottomLineSecrets.com" target="_blank">www.BottomLineSecrets.com</a></b><br /> <em><strong><br /> Bottom Line/Personal</strong></em> interviewed Eric Peters, a Washington, DC-based automotive columnist and author of <a href="http://news.bottomlinepublishing.com/a/hBNt$vDB8V0u3B8amWBNLCU9Zui/bls6" target="_blank" rel="nofollow"><em>Automotive Atrocities! The Cars We Love to Hate</em></a> (MBI). A member of the International Motor Press Association and the Washington Auto Press Association, he has been writing about cars for 17 years. His next book, <em>Road Hogs</em> (MBI), will be published this year.<a href="http://news.bottomlinepublishing.com/a/hBNt$vDB8V0u3B8amWBNLCU9Zui/bls1" id="yui_3_2_0_3_1307887019336786" target="_blank" rel="nofollow"> http://EricPetersAutos.com</a> </p> </div> <p>&nbsp;</p>urn:uuid:43e74764-bed3-4a09-aa8a-c1475b6ed143Cedric X. Bryant, PhD American Council on Exercise Make sure at-home exercise equipment is safe before you sign on the dotted line. Try out the machine in the store -- if it grinds, clicks, squeaks, doesn&rsquo;t move smoothly or is built poorly, d...Fri, 03 Jun 2011 22:35:42 -0500<div style="color: #0618aa; font-size: 16px; font-weight: bold;"><span style="font-size: 13px;">Cedric X. Bryant, PhD</span></div> <div style="font-style: italic; color: black; font-size: 14px; font-weight: normal;">American Council on Exercise</div> <br /> <div><br /> Make sure at-home exercise equipment is safe before you sign on the dotted line. Try out the machine in the store -- if it grinds, clicks, squeaks, doesn&rsquo;t move smoothly or is built poorly, don&rsquo;t buy it. Make sure there is a customer service hotline in case you have problems assembling, maintaining or using the equipment. Check the manufacturer&rsquo;s and retailer&rsquo;s reputations with the Better Business Bureau. For more information, read the Federal Trade Commission&rsquo;s advice about fitness equipment at <a href="http://news.bottomlinepublishing.com/a/hBNlWqAB8V0u3B8Z-IgNLCU9ZfN/bls18" target="_blank" rel="nofollow">www.ftc.gov</a>.<br /> For more information about making sure at-home exercise equipment is safe&nbsp;or to request an auto, home, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a>.<br /> <strong><i><br /> Disclaimer:&nbsp; Hamilton Insurance Group and </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.<br /> <b><br /> Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b> <p>&nbsp;</p> <p><em><strong>Bottom Line/Personal</strong></em> interviewed Cedric X. Bryant, PhD, chief science officer, American Council on Exercise, San Diego. </p> </div> <br />urn:uuid:acddb7d1-ba41-490e-bf50-f8286f636e3dFRANKFORT, Ky. -- Homeowners, renters and business owners in six additional Kentucky counties are now eligible for federal assistance to help recover from the effects of the severe storms, tornadoes and flooding that struck the Commonweath from April...Tue, 31 May 2011 09:57:23 -0500FRANKFORT, Ky. -- Homeowners, renters and business owners in six additional Kentucky counties are now eligible for federal assistance to help recover from the effects of the severe storms, tornadoes and flooding that struck the Commonweath from April 22 to May 20. The counties designated today for assistance are Ballard, Daviess, Henderson, Lawrence, McLean and Pike. These six counties join 11 other Kentucky counties where residents who suffered damages should register with FEMA to start the federal disaster aid process. <p><i></i></p>urn:uuid:2ebf8312-960b-409c-bd38-262de8b1329aRick Doble&nbsp; Little tricks that can save you big bucks when you fill up your vehicle at the gas pump... Get that "Check Engine" light checked promptly. When this dashboard warning light comes on, it often means that the vehicle&rsquo;s oxygen s...Sat, 14 May 2011 16:40:03 -0500<div style="color: #0618aa; font-weight: bold; font-family: times, serif;"><span style="font-size: 16px;">Rick Doble&nbsp;</span></div> <br /> <div style="color: #0618aa; font-size: 16px; font-weight: bold; font-family: arial, helvetica, sans-serif;" id="yui_3_2_0_3_1305407280131157"><span style="font-family: arial; font-size: 12px; color: #000000; font-weight: normal;">Little tricks that can save you big bucks when you fill up your vehicle at the gas pump...</span></div> <div> <p><strong>Get that "Check Engine" light checked promptly.</strong> When this dashboard warning light comes on, it often means that the vehicle&rsquo;s oxygen sensor has failed -- and that could reduce the engine&rsquo;s fuel efficiency by as much as 40%. </p> <p><strong>Replace your air filter regularly.</strong> A clogged air filter can reduce fuel efficiency by up to 10%. Filters typically last about 12 months or 12,000 miles, but inspect yours every three months. If you see significant amounts of grime on the filter, replace it. Check your air filter every one to two months if you do a lot of driving on dirt roads. Replacing an air filter is a simple job -- the vehicle&rsquo;s owner&rsquo;s manual explains how. Replacement air filters typically cost less than $15. </p> <p><strong>Check your tire pressure at least once every three months.</strong> Keeping tires inflated to the recommended pressure could improve your fuel efficiency by 10%. It also could extend the life of your tires and reduce the odds of a dangerous blowout. The proper tire pressure should be listed in the owner&rsquo;s manual, inside the driver&rsquo;s door of the vehicle or inside the glove compartment on a sticker.</p> <p><strong>Use cruise control when driving on open roads.</strong> Cruise control keeps the vehicle&rsquo;s speed much steadier than you could on your own. Even slight surges in speed result in noticeably lower fuel efficiency. </p> <p><strong><em>Exception:</em></strong> Turn off the cruise control when driving on mountainous terrain. Trying to hold to a specific speed on steep inclines and declines tends to use more gas, not less. </p> <p><strong>Stick to the speed limit.</strong> One recent study found that driving 65 miles per hour (mph) instead of 75 mph resulted in an average fuel savings of 12%. Vehicles with poor aerodynamics, such as vans, RVs and SUVs, are likely to save even more by slowing down. </p> <p><strong>Avoid sudden starts and stops.</strong> Coast gently to stoplights and stop signs. Accelerate conservatively. Braking hard and accelerating rapidly reduce fuel efficiency by anywhere from 5% to more than 30%. If there is more than one way to reach a destination, select the shortest route that has the fewest stop signs and stoplights.</p> <p><strong>Go easy on the air conditioner (A/C).</strong> Modern cars have efficient A/C systems, so running the A/C won&rsquo;t decrease your fuel efficiency by much, but you still can save as much as 5%. <em>Best:</em> Try to use the A/C when driving on highways -- the drag created by open windows reduces fuel efficiency at high speeds -- but open the windows when driving slowly. </p> <p><strong>Lighten up.</strong> Take stuff out of the trunk, and remove rarely used roof racks.<br /> <br /> For more information about ways to save at the pump or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana:&nbsp;</p> <p>Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <strong>(859) 276-1234</strong><strong>&nbsp;</strong>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p> </p> <p><strong></strong></p> <p> </p> <p><strong><em>Disclaimer: </em></strong><em>Bottom Line Secrets &amp; <strong>Hamilton Insurance Group</strong>&nbsp;</em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><span style="font-family: arial, helvetica, sans-serif;"><em><strong>Bottom Line/Personal</strong></em> interviewed Rick Doble, founder of Savvy-Discounts.com, based in Smyrna, North Carolina. He is coauthor of <a href="http://news.bottomlinepublishing.com/a/hBNzQKvB8V0u3B8bDqLNLCU9ZJ1/bls3" rel="nofollow" target="_blank"><em>Cheaper: Insiders&rsquo; Tips for Saving on Everything</em></a> (Ballantine). <a id="yui_3_2_0_3_1305407280131153" href="http://news.bottomlinepublishing.com/a/hBNzQKvB8V0u3B8bDqLNLCU9ZJ1/bls2" rel="nofollow" target="_blank">www.Savvy-Discounts.com</a></span></p> </div> <div style="font-size: 12px; font-family: arial, helvetica, sans-serif;" id="yui_3_2_0_3_1305407280131155"><br /> <br /> </div>urn:uuid:c640e245-d184-4465-a3f1-e1c53f1908ecMotorcycle helmets saved 1,829 motorcyclists&rsquo; lives in 2008. Make sure your loved ones are wearing a helmet when they ride!Tue, 10 May 2011 17:13:38 -0500Motorcycle helmets saved 1,829 motorcyclists&rsquo; lives in 2008. Make sure your loved ones are wearing a helmet when they ride!urn:uuid:001bb737-705d-4e6d-8408-98a0360f0a08WASHINGTON - The U.S. Department of Homeland Security's Federal Emergency Management Agency (FEMA) today announced that federal disaster aid has been made available to Kentucky to supplement the commonwealth and local recovery efforts in the area str...Thu, 05 May 2011 14:45:21 -0500WASHINGTON - The U.S. Department of Homeland Security's Federal Emergency Management Agency (FEMA) today announced that federal disaster aid has been made available to Kentucky to supplement the commonwealth and local recovery efforts in the area struck by severe storms, tornadoes, and flooding beginning on April 22, 2011, and continuing.urn:uuid:b2f4d454-33c3-418f-962b-c3c58620811d Youth Traffic Safety Tip: Know your car: It&rsquo;s important to learn how to properly care for your car.&nbsp; This includes checking the oil and making sure the wiper blades work. This could reduce the chances of you...Wed, 04 May 2011 21:44:15 -0500<table width="646" style="width: 485pt; border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0"> <colgroup><col width="646" style="width: 485pt;" /></colgroup> <tbody> <tr height="58" style="height: 43.5pt;"> <td class="xl22" style="background-color: white; width: 485pt; height: 43.5pt;border: #cdcdcd 0.5pt solid;">Youth Traffic Safety Tip: <strong>Know your car:</strong> It&rsquo;s important to learn how to properly care for your car.&nbsp; This includes checking the oil and making sure the wiper blades work. This could reduce the chances of your teen causing an accident.&nbsp;&nbsp;</td> </tr> </tbody> </table>urn:uuid:211129f0-8b36-4a2a-b93d-b66bb68e635bKeep the Lights On Gary Shipman As the nation&rsquo;s electric power grid grows increasingly antiquated, blackouts are likely to become more common, warn scientists and engineers. For a home owner, a standby generator could come in handy, especia...Tue, 03 May 2011 22:21:09 -0500<div style="color: #0618aa; font-size: 28px; font-weight: bold;">Keep the Lights On</div> <br /> <div style="color: #0618aa; font-size: 16px; font-weight: bold;">Gary Shipman</div> <div style="font-style: italic; color: black; font-size: 14px; font-weight: normal;"></div> <br /> <div><br /> As the nation&rsquo;s electric power grid grows increasingly antiquated, blackouts are likely to become more common, warn scientists and engineers. For a home owner, a standby generator could come in handy, especially on a frosty or torrid day or during a storm. <p>Here are today&rsquo;s best generators. All of these are installed outdoors and hook directly into your home&rsquo;s electrical panel, so they will turn on automatically when the power goes out and turn off when the power is restored. All should be installed by a professional, who will charge about $1,000 to $2,000, depending on the model.</p> <p style="text-align: center; text-transform: uppercase; color: #0618aa; font-size: 14px; font-weight: bold;">SMALL</p> <p><strong>Briggs &amp; Stratton EmPower 40220.</strong> This unit is powered by natural gas from a gas utility or propane from a tank on your property and provides 7,000 watts. That&rsquo;s enough to run your lights, refrigerator, a well if you have one and a gas or oil furnace -- but you will not be able to also run a combination of energy-draining appliances, such as central air-conditioning, a clothes dryer and an electric oven. The generator, which comes with a two-year warranty, includes a built-in diagnostic capability that can detect potential problems with the unit. If you hook it up to a natural gas line, it will run indefinitely. If it is propane fueled, a 100-gallon tank will last three days. <em>Size:</em> 30.5" x 22.5" x 32.5". <em>Price:</em> About $2,000. 800-270-1408, <a href="http://news.bottomlinepublishing.com/a/hBNhZgIB8V0u3B8ZvxRNLCU9ZmT/bls21" target="_blank" rel="nofollow">www.briggsandstratton.com</a>.</p> <p style="text-align: center; text-transform: uppercase; color: #0618aa; font-size: 14px; font-weight: bold;">MIDSIZE</p> <p><strong>Kohler Power Station 12RES or 15RES.</strong> These generators, with output of 12,000 or 15,000 watts, can power an entire home, including a 48,000-Btu central air conditioner. They are relatively quiet and restore power in as little as 10 seconds, unlike some models that take 25 seconds or more. They maintain a stable level of power, which is important for powering sensitive electronic devices. Fuel can be natural gas or propane (a 100-gallon propane tank will last two days). <em>Size:</em> 42.5" x 30.5" x 32.5" for 12RES. <em>Price:</em> About $5,000. 72.8" x 33.9" x 36.8" for 15RES. <em>Price:</em> About $9,000. 800-544-2444, <a href="http://news.bottomlinepublishing.com/a/hBNhZgIB8V0u3B8ZvxRNLCU9ZmT/bls26" target="_blank" rel="nofollow">www.kohlerpower.com</a>. </p> <p style="text-align: center; text-transform: uppercase; color: #0618aa; font-size: 14px; font-weight: bold;">MOST POWERFUL</p> <p>If continuous power is critical due to medical needs or other requirements where even a temporary power cutoff could be catastrophic, diesel generators are best for long-term reliability. <em>Reason:</em> Diesel engines are built to run an average of 20,000 hours with routine maintenance, versus 1,000 hours or less for natural gas/propane-driven engines. <em>Bonus:</em> Diesel generators burn about 50% less fuel per hour than gas/propane-powered units of equal output.</p> <p><strong>Kohler Diesel 20REOD/20EOZD or Baldor TS25.</strong> These units are built with extra-heavy-duty engines. The Kohler model comes with a 40- or 80-gallon fuel tank (two or four days of continuous use). The Baldor includes a 50-gallon tank (fuel for approximately three days). Propane and natural gas-fueled versions also are available. <em>Size:</em> Kohler starts at 41.3" x 26.5" x 25.2". <em>Price</em>: About $18,000. Kohler, 800-544-2444, <a href="http://news.bottomlinepublishing.com/a/hBNhZgIB8V0u3B8ZvxRNLCU9ZmT/bls26" target="_blank" rel="nofollow">www.kohlerpower.com</a>. Baldor, 74" x 38" x 53". <em>Price:</em> About $21,000. Baldor Electric Company, 479-646-4711, <a href="http://news.bottomlinepublishing.com/a/hBNhZgIB8V0u3B8ZvxRNLCU9ZmT/bls10" target="_blank" rel="nofollow">www.baldor.com</a>. </p> <p style="text-align: center; text-transform: uppercase; color: #0618aa; font-size: 14px; font-weight: bold;">MAINTENANCE</p> <p>To determine which size generator you need, it&rsquo;s best to have a licensed electrician calculate the highest level of power you will require. You also will need to have your generator serviced yearly. This includes changing the oil, spark plugs, belt and antifreeze and testing the battery. Typical cost for professional maintenance is $150.<br /> &nbsp;<br /> For more information about this article or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong></strong></p> <p><strong><i>Disclaimer: </i></strong><em>Bottom Line Secrets &amp; Hamilton Insurance Group&nbsp;</em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><em><strong>Bottom Line/Personal</strong></em> interviewed Gary Shipman, licensed electrical contractor and plumber. He is owner of The Generator Store, Middlefield, Ohio. </p> </div> <br />urn:uuid:00b7a27c-92c9-413c-894e-9051e879c9ddNationwide Insurance&nbsp;has been successful with media coverage of the recent teen driving economic survey.&nbsp; Some of the material has also been picked up by bloggers.&nbsp; The following links may be items you may find useful when adding your ...Mon, 02 May 2011 22:13:43 -0500<p>Nationwide Insurance&nbsp;has been successful with media coverage of the recent teen driving economic survey.&nbsp; Some of the material has also been picked up by bloggers.&nbsp; The following links may be items you may find useful when adding your teen to your policy or for an On Your Side Review of your auto insurance coverage: <br /> <br /> Cutting the Cost of Teen Driving &ndash; Carjunky.com 4/12/11: <a href="http://news.carjunky.com/car_insurance/Cutting_The_Cost_Of_Teen_Driving_gas111.shtml" target="_blank" re_target="null">http://news.carjunky.com/car_insurance/Cutting_The_Cost_Of_Teen_Driving_gas111.shtml</a> </p> <p>Good Grades Give Teenage Drivers Auto Insurance Cut Backs &ndash; Daily Rosetta 4/10/11: <a href="http://www.dailyrosetta.com/good-grades-give-teenage-drivers-auto-insurance-cut-backs/12387.html" target="_blank" re_target="null">http://www.dailyrosetta.com/good-grades-give-teenage-drivers-auto-insurance-cut-backs/12387.html</a> </p> <p>Delay Teen Driving, Save On Insurance? &ndash; Family Car Guide 4/6/11: <a href="http://www.familycarguide.com/blog/1057976_delay-teen-driving-save-on-insurance" target="_blank" re_target="null">http://www.familycarguide.com/blog/1057976_delay-teen-driving-save-on-insurance</a> </p>urn:uuid:1a708cd9-b6e8-42bb-a14c-6fcf388beddbIt&rsquo;s National Pet Week!&nbsp; What&rsquo;s your favorite pet? &nbsp;Mine is a couple of mixed breed cats named Dot&nbsp;and Gabby. &nbsp;I'm on their staff! ;)Sat, 30 Apr 2011 16:30:38 -0500It&rsquo;s National Pet Week!&nbsp; What&rsquo;s your favorite pet? &nbsp;Mine is a couple of mixed breed cats named Dot&nbsp;and Gabby. &nbsp;I'm on their staff! ;)urn:uuid:cf1bc275-b6f4-4e46-bb91-07328bcc008eLove your insurance agency?&nbsp; Refer a friend for a quote!&nbsp; We&rsquo;ll help them improve their coverage &amp; we&rsquo;ll reward you for your referral.Tue, 26 Apr 2011 20:35:32 -0500Love your insurance agency?&nbsp; Refer a friend for a quote!&nbsp; We&rsquo;ll help them improve their coverage &amp; we&rsquo;ll reward you for your referral.<br />urn:uuid:25c2ee2b-e7b5-4126-9c39-0aca7d2e98e8Did you know it takes 30 days for Flood Insurance to go into effect? Don&rsquo;t wait any longer to protect your home from rising water. Remember, flood is not covered by your homeowner&rsquo;s insurance. Call us today at 859-223-4526 for details &am...Sat, 23 Apr 2011 09:09:39 -0500<p class="_baseTweetText _postText messageContent">Did you know it takes 30 days for Flood Insurance to go into effect? Don&rsquo;t wait any longer to protect your home from rising water. Remember, flood is not covered by your homeowner&rsquo;s insurance. Call us today at 859-223-4526 for details &amp; a quick quote. <br /> <a href="http://ow.ly/4FqvG" target="_blank" rel="nofollow">http://ow.ly/4FqvG</a><a href="http://ow.ly/4FqvG" class="_previewLink _bubblePopup preview icon-13" target="_blank" rel="nofollow"></a></p>urn:uuid:34764587-282b-41d5-8a2e-89ce9795bb6dComprehensive Coverage is an available option&nbsp;under the personal auto policy.&nbsp;&nbsp;&nbsp;This optional&nbsp;coverage&nbsp;provides for damage to a covered auto from perils other than collision. Losses include but are not limited to hail,&n...Wed, 20 Apr 2011 22:52:10 -0500<p>Comprehensive Coverage is an available option&nbsp;under the personal auto policy.&nbsp;&nbsp;&nbsp;This optional&nbsp;coverage&nbsp;provides for damage to a covered auto from perils other than collision. Losses include but are not limited to<strong><span style="font-size: 13px;"> hail</span>,</strong>&nbsp;fire, theft or larceny, explosion or earthquake, windstorm, water, flood, malicious mischief, vandalism, riot, contact with an animal, and glass breakage.&nbsp; <br /> <br /> For more information about&nbsp;this topic&nbsp;or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.<br /> <strong><i><br /> Disclaimer:&nbsp;</i></strong><em>Hamilton Insurance Group&nbsp;</em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</strong></p> <p>Get more <a href="http://www.timhamiltoninsurance.net/expert/topics/personallines/personalriskmanagement.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="TextAlignCenter">Copyright 2010<br /> <a href="http://www.irmi.com/">International Risk Management Institute, Inc.</a> </p> <p></p>urn:uuid:dac84ef6-4224-4f57-a3c9-d543577d8eabCurious about tornadoes? Check out this website from the National Weather Service and learn how to protect yourself in a severe storm. &nbsp;http://ow.ly/4DFVdTue, 19 Apr 2011 15:34:11 -0500Curious about tornadoes? Check out this website from the National Weather Service and learn how to protect yourself in a severe storm. &nbsp;<a href="http://ow.ly/4DFVd" rel="nofollow" target="_blank">http://ow.ly/4DFVd</a>urn:uuid:d046d45d-69e4-448f-a2e2-e26f7e2adab3Joseph L. Matthews, JD If you decide to purchase long-term-care insurance, be sure to buy from an established insurance company. Certainly a very familiar company name is a good sign, but also check the company&rsquo;s financial strength. The best i...Fri, 15 Apr 2011 14:21:56 -0500<div style="color: #0618aa; font-size: 16px; font-weight: bold; font-family: arial, helvetica, sans-serif;">Joseph L. Matthews, JD</div> <div><br /> If you decide to purchase long-term-care insurance, be sure to buy from an established insurance company. Certainly a very familiar company name is a good sign, but also check the company&rsquo;s financial strength. The best insurance companies earn grades of AAA or AA from Standard &amp; Poor&rsquo;s. Long-term-care coverage should include... <p><strong>Long exclusion period.</strong> To reduce the cost of coverage, select a policy with a 90-day to six-month "exclusion period." This means that if you ever need care, you would have to pay out of pocket for this period before the benefits begin. Your premiums would be as much as one-third lower than with a 30-day exclusion period, the most common exclusion option. </p> <p><strong>Inflation protection.</strong> This protection is best when it is linked to increases in the actual cost of living, not to an arbitrary preset inflation rate.</p> <p><strong>Premium protection.</strong> Select a policy that does not allow your insurance company to raise your premium unless it also raises the premium for everyone holding the same policy. Insurance companies must apply to state regulators for this type of premium raise, making excessive increases less likely (though still possible).</p> <p><strong>Payout flexibility.</strong> Your policy should pay for home care, assisted-living care and nursing home care.</p> <p><strong>Minimal impairment to trigger coverage.</strong> A good policy will offer benefits when you cannot perform two or three daily living tasks, while a poor one might require that you cannot perform four or five such tasks.</p> <p><strong>At least three years of coverage.</strong> An extended stay in a facility is unlikely, but the purpose of insurance is to protect against unlikely but financially crippling scenarios.</p> </div> <div style="font-size: 12px; font-family: arial, helvetica, sans-serif;"><em><strong>Bottom Line/Personal</strong></em> interviewed Joseph L. Matthews, JD, a San Francisco-based attorney specializing in issues relating to seniors. He is author of numerous books, including <a href="http://news.bottomlinepublishing.com/a/hBNgvVQB8V0u3B8ZusKNLCU9Zrl/bls3" rel="nofollow" target="_blank"><em>Long-Term Care: How to Plan &amp; Pay for It</em></a> (Nolo). For a free online guide to long-term-care insurance, go to <a href="http://news.bottomlinepublishing.com/a/hBNgvVQB8V0u3B8ZusKNLCU9Zrl/bls2" rel="nofollow" target="_blank">Caring.com</a> and put "insurance guide" in the search window. </div> <br /> <p>For more information about selecting a Long-Term Care Policy or to request a quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <strong>(859) 276-1234</strong><strong>&nbsp;</strong>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong></strong></p> <p><em><strong>Disclaimer: &nbsp;Hamilton Insurance Group </strong>and<strong>&nbsp;</strong></em><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.<br /> <br /> <strong>Reprinted with the permission of: &nbsp;<br /> </strong><strong>Bottom Line Publications&nbsp;<br /> </strong><strong>Boardroom Inc.<br /> </strong><strong>281 Tresser Blvd., 8th Floor<br /> </strong><strong>Stamford, CT 06901<br /> <span style="font-weight: normal;"><strong><a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></strong></span><br /> </strong></p>urn:uuid:a81b2833-fe5d-4cc7-a0d6-9a061d9cda90Click here to learn how to properly adjust the mirrors on your vehicle in this short video. &nbsp;Great safety tip that could save your life!&nbsp; &nbsp;Sun, 10 Apr 2011 20:49:04 -0500<a href="http://ow.ly/4xcWG">Click here</a> to learn how to properly adjust the mirrors on your vehicle in this short video. &nbsp;Great safety tip that could save your life!&nbsp;<br /> &nbsp;urn:uuid:ed512c9a-6d8c-4740-99e3-242ff0938e53Paul J. Mauro, CLU, ChFC Legacy Financial Advisors, Inc. Special from Bottom&nbsp;Line/Personal November 15, 2005 &nbsp; Buy too little insurance, and a mishap could drain away your savings. Buy too much, and you'll pay excessive premiums for years....Thu, 31 Mar 2011 20:18:39 -0500<div class="lightspecs"><b>Paul J. Mauro, CLU, ChFC</b><br /> Legacy Financial Advisors, Inc.<br /> <br /> Special from <a href="http://www.bottomlinesecrets.com/store/pubs/sub_blp.html?sid=article">Bottom&nbsp;Line/Personal</a><br /> November 15, 2005</div> <p>&nbsp;</p> <p class="noindent">Buy too little insurance, and a mishap could drain away your savings. Buy too much, and you'll pay excessive premiums for years. But how much auto, homeowner's, life and disability insurance do you really need? Use these guidelines to figure it out... </p> <p class="subhead">AUTO INSURANCE </p> <p>Most states require a certain amount of automotive coverage, but these legal minimums are well below the amount that drivers really <em>should</em> have. If you cause an accident in which other people are injured, the claims against you easily could run into the high six figures. </p> <p><strong>Rule of thumb:</strong> Have at least as much in liability coverage as you have in assets. <em>Example:</em> If you have $300,000 in savings and $400,000 equity in your home, carry at least $700,000, less if you have umbrella coverage. Residents of some states, such as Florida, Iowa and Texas, need not include a home in this calculation because state law protects the primary residence in the event of a lawsuit. </p> <p>You can choose other components of auto insurance based on your circumstances. <em>Examples: </em>There's no need to pay for medical payment coverage if you have health insurance... you might not want collision or comprehensive if you drive a vehicle that is more than five years old. (Collision coverage might be required by a lender or lease agreement.) </p> <p class="subhead">HOMEOWNER'S INSURANCE </p> <p>Homeowner's insurance protects your home and its contents against damage and theft. It also protects you financially if someone is injured on your property and sues you. Rule of thumb...</p> <p><strong>For property damage, </strong>the minimum amount of coverage you need is what it would cost to rebuild your home if it were destroyed. This figure might be substantially higher than the original cost of construction, particularly if the house is old or has had substantial renovations. </p> <p>To estimate rebuilding costs, multiply your home's square footage by construction costs per square foot in your region -- your agent or a local real estate broker should be able to provide this figure. This yields only the construction costs for a typical home, not for features that make your home special, such as a chef's kitchen. For a more accurate figure, ask your insurance agent for a &ldquo;true replacement cost estimate.&rdquo; (Also ask your agent about flood insurance if you live in a flood-prone area.) </p> <p><strong>Liability.</strong> As with auto insurance, this component of homeowner's insurance should be at least equal to your assets, including savings and the equity in your home. Only reduce this figure if you have umbrella coverage (see below). </p> <p class="subhead">Umbrella Liability Insurance </p> <p>Umbrella liability insurance protects you from lawsuits by supplementing liability coverage in homeowner's and auto insurance (as well as boat, vacation home and other liability coverage you may have). Generally, if your assets exceed $700,000, you should have an umbrella policy. Most insurance companies offer umbrella policies with coverage starting at $1 million. It is generally cheaper to buy through your home and auto insurer. <em>Cost:</em> About $180 per year. Each additional $1 million adds $70 or less to your annual premium. Once this coverage is in place, you can reduce liability coverage on your auto and homeowner's policies. </p> <p class="subhead">LIFE INSURANCE </p> <p>Most people add up future expenses, subtract current savings, then buy enough insurance to make sure their expenses are covered -- but this could result in your family just scraping by. Instead, buy enough to keep your family comfortable and financially secure. </p> <p><strong>Rule of thumb:</strong> Multiply your annual salary by the number of years remaining until you expect to retire. <strong><em>Example:</em></strong> If you earn $100,000 per year and expect to work for 15 more years, buy $1.5 million in life insurance. </p> <p>This quick calculation doesn't take into account future salary increases, but since your family would receive insurance benefits as a lump sum, they could invest it and use the profits to offset the effect of lost raises. (For a detailed life insurance needs estimate, use the &ldquo;Income Replacement Method&rdquo; tool on the Life Insurance Analysis Center Web site, <a href="http://www.underwriter.com/" target="_blank">www.underwriter.com</a>.) </p> <p>A nonworking spouse should have coverage to reflect his/her economic value to the household. <em>Example:</em> If you have children and child care would cost $300 a week, buy enough to cover the cost. <em>Also:</em> Some spouses each buy enough to pay off their mortgage. Go to <a href="http://insurance.yahoo.com/" target="_blank">insurance.yahoo.com</a> to figure out the minimum your family needs. </p> <p><strong><em>Important:</em></strong> Once your mortgage is paid and the children are out of the house, you may no longer need life insurance if you have adequate savings. </p> <p>Before you cash out or cancel a policy, find out if a life settlement company will buy it from you. To find one, ask an independent life insurance agent or a financial adviser. Some policies can fetch more than $100,000. </p> <p class="subhead">Long-term Disability</p> <p>Select a policy that pays full benefits if you're unable to work in your chosen profession. Buy enough either privately or combined with an employer's policy to replace 60% of your income. The policy should pay benefits for five years -- or better yet, up to full retirement age, when you will be eligible for Social Security as well as retirement benefits.<br /> &nbsp;</p> <p>For more information about this article or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong></strong></p> <p><i><strong>Disclaimer:&nbsp; Hamilton Insurance Group </strong>and<strong> </strong></i><em>Bottom Line Secrets </em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <p><strong><em>Bottom Line/Personal </em></strong>interviewed Paul J. Mauro, CLU, ChFC, managing partner of Legacy Financial Advisors, Inc., in Milford, Massachusetts. He has been advising clients on insurance and other financial planning needs for 31 years. <a href="http://www.123lpn.com/pmauro/" target="_blank">http://www.123lpn.com/pmauro/</a> </p> <br />urn:uuid:0cba0e7e-80f4-4d4a-b209-1b6703d426abKatie and Gene Hamilton If you&rsquo;re a homeowner who likes working outside, consider doing these home-improvement projects yourself. You&rsquo;ll save at least 50% of what hiring a professional would cost.* These projects require more grunt work ...Mon, 28 Mar 2011 22:24:45 -0500<div style="color: #0618aa; font-size: 16px; font-weight: bold;"><span style="font-size: 13px;">Katie and Gene Hamilton</span></div> <div><br /> If you&rsquo;re a homeowner who likes working outside, consider doing these home-improvement projects yourself. You&rsquo;ll save at least 50% of what hiring a professional would cost.* These projects require more grunt work than talent and only a small investment in materials and tools. Each of them will improve the value of your property. <p><strong>Power washing:</strong> To keep your house looking its best, consider an annual cleanup with a power washer. You can hire a building cleaning service for $377 to power wash a typical 1,200-square-foot house. Or you can rent a gas-powered washer rated at least at 1,200 psi (which means that it delivers 1,200 pounds per square inch of water) with detergent for $160 and pocket a nice 58% savings. Figure that you&rsquo;ll spend a solid two days on the job. </p> <p><strong><em>Savings:</em></strong> $217.</p> <p><strong>Gutter cleaning:</strong> An important seasonal maintenance chore for every home owner is cleaning and repairing gutters. A handyman will charge $102 to clean and make minor repairs to 200 linear feet of gutters on a one-story house. If you have a sturdy ladder, garden hose, bucket and rubber gloves, you can do the job in two hours for $40 (the cost of some caulk and roofing cement) and save 61%. </p> <p><strong><em>Warning:</em></strong> If you have a very high home or uneven terrain, it may be safer to hire a pro.</p> <p><strong><em>Savings:</em></strong> $62.</p> <p><strong>Painting the garage:</strong> You&rsquo;ll pay a painting contractor $307 to spray paint the exterior of a typical one story, two-car garage. You can do the job in a weekend for $100, for the cost of the paint and renting an airless sprayer for a day. That&rsquo;s a 67% savings. Figure that you&rsquo;ll spend the better part of the first day prepping the area before you paint.</p> <p><strong><em>Savings:</em></strong> $207.</p> <p><strong>Pruning:</strong> A landscape service will prune and groom a small tree and some bushes for $80, but for an investment of $36 (for pruning shears and a lopper), you can do it and save 55% in three hours. You&rsquo;ll save the full $80 the next time you prune.</p> <p><strong><em>Initial savings:</em></strong> $44.</p> <p><strong>Mulching:</strong> You can pay a yard service $324 to lay a four-inch-deep spread of organic mulch in a 300-foot area or buy mulch (30 to 35 bags) yourself for $75. In a day, you can complete the job and save 77%. If you have a vehicle that can haul it, you won&rsquo;t have to pay extra to have the mulch delivered. </p> <p><strong><em>Savings:</em></strong> $249.</p> <p><strong>Lawn seeding:</strong> You can seed a lawn and create a luscious green landscape, but whether or not to do it yourself depends on the condition of your soil. Assuming it is level and free of grass, weeds and rocks, a landscaper will charge $201 to prepare the soil and seed 2,000 square feet. You can buy seed for $50, do it yourself and save 75%. But if rocks, weeds and grass need to be removed, leave it to the pros. In most areas, the best time to seed is late August or early September. </p> <p><strong><em>Savings:</em></strong> $151.</p> <p><strong>Laying a gravel path:</strong> Consider laying a gravel path as a walkway or winding path through your garden. The work involves digging and hauling material, but you&rsquo;ll save 57% by doing it yourself. For a three-foot-wide, 100-foot-long gravel path, a landscape contractor will charge $349 including gravel. It&rsquo;ll cost you a long day&rsquo;s work and $150 for the material. </p> <p><strong><em>Savings:</em></strong> $199.</p> <p><strong>Building a patio:</strong> This is strenuous labor and time-consuming -- it takes about a week to do -- but every time you use your new patio, you&rsquo;ll appreciate your sweat equity. A contractor will charge $2,275 to build a 15-foot-by-20-foot brick patio. You can do it for about half that ($1,100 for the material). </p> <p><strong>Savings:</strong> $1,175.</p> <p><strong>Building a split-rail fence:</strong> A split-rail fence is one of the most attractive ways to enhance your yard and define your property. The most difficult thing is digging the post holes. You can rent a post hole digger for about $80/day, buy a manual digger for $30 to $100 or use a shovel. A fence contractor will charge $1,091 to build a 100-foot-long rail fence. You can do it for $500 (the cost of the material) and save 54%. But fence building is not for the faint of heart -- it&rsquo;s a good three-day project and hard work. </p> <p><strong><em>Savings:</em></strong> $591.</p> <p class="yiv940169106footnote">*In this article, the costs to hire a professional are based on several of the estimating publications that contractors use to bid on their jobs. The material costs are based on information from major national retailers and manufacturers.<br /> <br /> </p> <p>For more information about this aticle or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <strong>(859) 276-1234</strong><strong> </strong>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong></strong></p> <p><em><strong>Disclaimer:&nbsp; Hamilton Insurance Group </strong>and<strong> </strong></em><em>Bottom Line Secrets </em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p class="yiv940169106footnote"><em><strong>Bottom Line/Personal</strong></em> interviewed Katie and Gene Hamilton, creators of <a href="http://news.bottomlinepublishing.com/a/hBNfGugB8V0u3B8Zk8ZNLCU9Z-l/bls2" target="_blank" rel="nofollow">www.DIYorNot.com</a>, which was featured in the March 2010 issue of <em>Money</em> as one of "The 20 Best Money Web Sites." Based in St. Michaels, Maryland, they are authors of 20 home-improvement books, including <a href="http://news.bottomlinepublishing.com/a/hBNfGugB8V0u3B8Zk8ZNLCU9Z-l/bls5" target="_blank" rel="nofollow"><em>Home Improvement for Dummies</em></a> (Wiley) and <a href="http://news.bottomlinepublishing.com/a/hBNfGugB8V0u3B8Zk8ZNLCU9Z-l/bls4" target="_blank" rel="nofollow"><em>Fix It and Flip It</em></a> (McGraw-Hill). </p> <p><strong>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></strong></p> <p><br /> </p> </div>urn:uuid:ecfc6168-030e-4969-ac8a-b223e3c70ff4 Doug Tallamy, PhD University of Delaware Your garden can be more than a haven for you and your family to enjoy. It also can be a refuge for endangered bees and butterflies. Three-quarters of all flowering plants -- and more than one-third of food c...Sun, 27 Mar 2011 21:35:22 -0500<div> <div style="color: rgb(6,24,170); font-size: 16px; font-weight: bold;"><span style="font-size: 13px;">Doug Tallamy, PhD</span></div> <div style="font-style: italic; color: black; font-size: 14px; font-weight: normal;"><span style="font-size: 13px;">University of Delaware</span></div> <br /> Your garden can be more than a haven for you and your family to enjoy. It also can be a refuge for endangered bees and butterflies. <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;">Three-quarters of all flowering plants -- and more than one-third of food crops -- depend on bees, butterflies and other pollinators for fertilization. Yet in just the past few years, the population of honeybees bred for use in commercial agriculture has dropped dramatically. Wild bees, butterflies and some pollinating bird species also are in decline.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;">Possible causes for the decline include parasites, disease and pesticides, but there&rsquo;s no doubt that one major cause is loss of habitat -- the plants that pollinators use for food, mating and nesting.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;">By landscaping with pollinators in mind, you can attract them to your garden, adding to your pleasure and helping to protect threatened species. How to plant for pollinators...</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;"><strong style="font-weight: bold;">Choose&nbsp;native plants.</strong>&nbsp;Many of the plants that we are used to seeing in North American yards are originally from China and Europe, including the traditional lawn. They are not part of the local region&rsquo;s food web -- the complex network of plants and wildlife that depend on one another for survival. Some insects and birds have successfully adapted to non-native plant species, but most cannot adapt and may die out.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;">Also, many modern hybrid plants have been bred for appearance and extra bloom time but have lost the fragrance, nectar and pollen that once sustained butterflies and bees.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;">Rather than depend on hybrids for bloom time, choose different native plants that bloom at different times of year. By doing this, you can offer pollinators a succession of plants in flower from early spring to late fall. To learn about native plants in your region, visit the Web site of the&nbsp;Pollinator&nbsp;Partnership (<a href="http://news.bottomlinepublishing.com/a/hBNjtLFB8V0u3B8Z3tgNLCU9Z3X/bls3" style="outline-style: none; color: rgb(35,71,134); text-decoration: underline;" target="_blank" rel="nofollow">www.Pollinator.org</a>). Or contact your regional&nbsp;native plant society&nbsp;-- the North American Native Plant Society lists state and regional groups at&nbsp;<a href="http://news.bottomlinepublishing.com/a/hBNjtLFB8V0u3B8Z3tgNLCU9Z3X/bls20" style="outline-style: none; color: rgb(35,71,134); text-decoration: underline;" target="_blank" rel="nofollow">www.nanps.org</a>(click on "Resources," then "Native Plant Societies"). Your nearby cooperative extension office, which provides free agricultural education and information (<a href="http://news.bottomlinepublishing.com/a/hBNjtLFB8V0u3B8Z3tgNLCU9Z3X/bls18" style="outline-style: none; color: rgb(35,71,134); text-decoration: underline;" target="_blank" rel="nofollow">www.csrees.usda.gov/Extension</a>), also can help. Or you can talk to docents at your local arboretum.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;"><strong style="font-weight: bold;">Plant in groups.</strong>&nbsp;Grow plants close together to provide overlapping canopies of different heights. This pattern is inviting to pollinators and gives them protection from predators.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;"><strong style="font-weight: bold;">Plant for larvae as well as adult pollinators.</strong>&nbsp;Butterflies need more than flowers and nectar to survive. They also need plants for their larvae to feed on. A few plant species, such as&nbsp;black-eyed Susan&nbsp;and milkweed, provide both. But in most cases, host plants that nourish larvae are different from flowering plants that provide nectar. Even the so-called&nbsp;butterfly bush&nbsp;provides nectar but no food for larvae. Good host plants are woody, such as viburnum, black cherry and oak.</p> <p style="padding-bottom: 0px; margin: 0px; padding-left: 0px; padding-right: 0px; display: block; padding-top: 0px;"><strong style="font-weight: bold;">Avoid pesticides.</strong>&nbsp;Even&nbsp;natural pesticides&nbsp;can be deadly to bees. Also, wiping out insects starves the birds that feed on them. Plant diversity is a better solution to the pest problem than pesticides. A variety of native plants will support insects&rsquo;&nbsp;natural enemies, including birds, keeping the different populations in balance -- and making for a beautiful and life-sustaining environment around your home.<br /> <br /> </p> </div> <p>For more information about this article or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong></strong></p> <p><i><strong>Disclaimer:&nbsp; Hamilton Insurance Group </strong>and </i><em>Bottom Line Secrets </em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <div style="font-size: 12px;"><em style="font-style: italic;"><strong style="font-weight: bold;">Bottom Line/Personal</strong></em>&nbsp;interviewed Doug Tallamy, PhD, professor and chair of the department of entomology and wildlife ecology at University of Delaware, Newark. He is author of&nbsp;<a href="http://news.bottomlinepublishing.com/a/hBNjtLFB8V0u3B8Z3tgNLCU9Z3X/bls4" style="outline-style: none; color: rgb(35,71,134); text-decoration: underline;" target="_blank" rel="nofollow"><em style="font-style: italic;">Bringing Nature Home: How You Can Sustain Wildlife with Native Plants</em></a>&nbsp;(Timber Press) and was awarded the Silver Medal by the Garden Writers Association of America in 2008.&nbsp;<a href="http://news.bottomlinepublishing.com/a/hBNjtLFB8V0u3B8Z3tgNLCU9Z3X/bls1" style="outline-style: none; color: rgb(58,101,187); text-decoration: underline;" target="_blank" rel="nofollow">http://BringingNatureHome.net</a></div>urn:uuid:da92ed20-7c03-4661-9ac8-a03568de19b4As a local business, we love to support our community.&nbsp; What are some of your favorite local organizations?&nbsp; Feel free to post a link to their Facebook pages!Fri, 25 Mar 2011 09:39:52 -0500As a local business, we love to support our community.&nbsp; What are some of your favorite local organizations?&nbsp; Feel free to post a link to their Facebook pages!urn:uuid:b8b0a5a3-95c3-4689-bf29-51e44f61ff0aFrequent Question - "I'm on a tight budget.&nbsp; Can I afford life insurance?"&nbsp; Answer - Auto, home and life insurance discount Save up to 25% when you bundle your auto, home and life insurance with Nationwide. &nbsp; Call us today for the det...Wed, 23 Mar 2011 09:41:00 -0500Frequent Question - "I'm on a tight budget.&nbsp; Can I afford life insurance?"&nbsp; Answer - <h2>Auto, home and life insurance discount </h2> <p>Save up to 25% when you bundle your auto, home and life insurance with Nationwide. &nbsp; Call us today for the details at 859-276-1234.</p>urn:uuid:94c71f02-8909-4cee-ab5e-3bb3174b8d22Automobile accidents are easily the leading cause of death for teenagers across America, according to the National Highway Traffic Safety Administration (NHTSA).&nbsp; For both genders, drivers between the ages of 16 and 19 have the highest average a...Mon, 21 Mar 2011 22:49:30 -0500<p>Automobile accidents are easily the leading cause of death for teenagers across America, according to the National Highway Traffic Safety Administration (NHTSA).&nbsp; For both genders, drivers between the ages of 16 and 19 have the highest average annual crash and traffic violation rates of any other age group.&nbsp; NHTSA data also show that unaccompanied 16- and 17-year-olds crash nine times more often than adults.</p> <p>Research indicates that young novice drivers tend to underestimate the crash risk in hazardous situations.&nbsp; Teen drivers also tend to take more risks while driving, partly due to their overconfidence in their driving abilities.&nbsp; One way for parents to reduce their teen's chances of being involved in an auto accident is to use technology to monitor their driving characteristics and provide appropriate feedback.</p> <p>A number of "black box" products are now available on the marketplace to facilitate monitoring drivers.&nbsp; These small devices (often the size of a pager and starting at around $280) can be simply installed into the auto your teen drives by plugging them into the Vehicle Data Link Connector (on 1996 and new vehicles).&nbsp; They can detect and record your teen's speed, aggressive driving such as "jack-rabbit" takeoffs, failure to wear a seat belt, unsafe backing techniques, driving locations, monthly mileage, and driving times. Thus, if your teen's curfew is at midnight and they get home at 1:00 a.m., you will know it.</p> <p>With some of these products, you can simply pop the memory card out of the "black box" and plug it into your PC to display the reports and graphs.&nbsp; You can then review the results with your teenager, providing a great educational opportunity based on solid, technology-driven evidence.&nbsp; Research indicates that this type of monitoring and coaching pays off big dividends in the form of safer teen driving. Numerous companies offer these products in the marketplace, with some of the more sophisticated ones costing upwards of $1,000. <br /> <br /> For more information about&nbsp;teen driving&nbsp;or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.<br /> <strong><i><br /> Disclaimer: </i></strong><em>Hamilton Insurance Group </em>publishes the opinions of expert authorities in many fields.&nbsp; But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs.&nbsp; Always consult a competent professional for answers to your specific questions.</strong></p> <p>Get more <a href="../../../../expert/topics/personallines/personalriskmanagement.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="TextAlignCenter">Copyright 2010<br /> <a href="http://www.irmi.com/">International Risk Management Institute, Inc.</a> </p>urn:uuid:83bf9a54-7f75-4f09-9d89-a9e9b38d46bdHomeowners insurance premiums often take a substantial bite out of a family&rsquo;s budget. You may, however, be paying too much for this coverage. The following are some approaches you can use to reduce your homeowners insurance costs. If ...Sun, 20 Mar 2011 16:10:23 -0500<p>Homeowners insurance premiums often take a substantial bite out of a family&rsquo;s budget. You may, however, be paying too much for this coverage. The following are some approaches you can use to reduce your homeowners insurance costs.</p> <ul> <li> <p>If you have a new home or a renovated one, ask your agent about homeowners discounts. Many insurers offer discounts up to 25 percent for homes that are less than 5 or 10 years old since newer homes tend to experience fewer losses. In addition, homes that have substantial renovations can also qualify for this discount if the specified work has been performed by a qualified (licensed when necessary) contractor with proper documentation.</p> </li> <li> <p>Make your home more disaster resistant. For example, you can make your home more resistant to hurricanes and other disasters by adding storm shutters, stronger doors, and reinforced roofing materials. Many insurance companies offer premium discounts for these types of home features. </p> </li> <li> <p>Maintain an excellent credit rating. Insurance companies are increasingly using credit scores to determine homeowners insurance premiums. Establishing and maintaining a strong credit history can thus reduce your premiums. </p> </li> <li> <p>Make sure your home is not overinsured. Remember that the value of your land and the value of your home are separate. If your home is destroyed and needs to be rebuilt, the focus should be on the replacement cost of your home itself and should not include the value of your land.</p> </li> <li> <p>Seek out other discounts. Insurance companies offer a multitude of discounts that you should check into. For example, many insurers offer loss-free discounts, long-term customer discounts, multi-policy discounts, and senior citizen discounts.&nbsp;</p> </li> </ul> <p>For more information&nbsp;about ways to reduce your homeowners insurance premium or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.<br /> <strong><i><br /> Disclaimer: </i></strong><em>Hamilton Insurance Group </em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions. <p>Get more <a href="../../../../expert/topics/personallines/personalriskmanagement.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> </strong></p> <p>&nbsp;</p> <p class="TextAlignCenter">Copyright 2011<br /> <a href="http://www.irmi.com/">International Risk Management Institute, Inc.</a> </p>urn:uuid:a9338d83-f75b-4a12-8172-45cffdc2d1f9Facebook Tip: You can recommend a Facebook page by making a link to the page in your status. Just type the @ sign and the name of the page with no space in between and select it from the drop down menu. Try it out! (We'd love if you told your friends...Fri, 18 Mar 2011 09:31:01 -0500Facebook Tip: You can recommend a Facebook page by making a link to the page in your status. Just type the @ sign and the name of the page with no space in between and select it from the drop down menu. Try it out! (We'd love if you told your friends about your favorite insurance agency!)<br />urn:uuid:2f808949-c4f0-447c-a631-bdf31f9c0dfeFrequent Question - "What is an easy way to save on my insurance premium?"&nbsp; Answer - Save up to 25% when you bundle your auto, home and life insurance with Nationwide &amp; HIG.Mon, 14 Mar 2011 12:08:22 -0500Frequent Question - "What is an easy way to save on my insurance premium?"&nbsp; Answer - Save up to 25% when you bundle your auto, home and life insurance with Nationwide &amp; HIG.urn:uuid:44595890-69c3-4502-bbda-c8d27fa36ea7When the time changes, it's a great idea to change the batteries in your smoke detectors! (Not only for fire safety, but to also avoid that annoying beeping when they run down in the middle of the night!) Sun, 13 Mar 2011 20:56:55 -0500When the time changes, it's a great idea to change the batteries in your smoke detectors! (Not only for fire safety, but to also avoid that annoying beeping when they run down in the middle of the night!) <br />urn:uuid:3d06f268-52fd-489b-adef-f3affe795a43Emily Davidson Currency conversion fees can raise the price of overseas travel -- at a time when the weak dollar already makes traveling outside the US very costly. Most credit card issuers charge 2% for purchases made in a foreign currency, and i...Wed, 09 Mar 2011 22:09:40 -0600<div style="color: #0618aa; font-size: 16px; font-weight: bold;">Emily Davidson</div> <div style="font-style: italic; color: black; font-size: 14px; font-weight: normal;"></div> <br /> <div><br /> Currency conversion fees can raise the price of overseas travel -- at a time when the weak dollar already makes traveling outside the US very costly. Most credit card issuers charge 2% for purchases made in a foreign currency, and issuers of Visa and MasterCard cards pass along an additional 1% fee. <em>Result:</em> Users of cards from many major banks -- including Bank of America, Citibank, JPMorgan Chase and Wells Fargo -- pay 3% of the transaction amount. <em>Better deals:</em> Capital One charges no fee and does not pass on the 1% Visa or MasterCard fee... Wachovia and Washington Mutual pass on the 1% Visa or MasterCard fee but do not charge additional fees. Discover does not charge currency conversion fees. </div> <div style="font-size: 12px;"><em><strong>Bottom Line/Personal</strong></em> interviewed Emily Davidson, personal finance expert, <a href="http://www.credit.com/" target="_blank" rel="nofollow">Credit.com</a> and former TransUnion credit expert.<br /> <br /> For more information above topic or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></div> <p><strong><em>Disclaimer:</em>&nbsp; Hamilton Insurance Group </strong>and<em><strong> </strong>Bottom Line Secrets</em> publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <br />urn:uuid:b5be089f-b509-4354-b933-565bfdbbcf27Planning a getaway trip for Spring Break?&nbsp; At Hamilton Insurance Group,&nbsp;we're frequently asked if luggage &amp; other items in a vehicle are covered by auto insurance if stolen.&nbsp; The answer is there is good news&nbsp;&amp; bad news.&nb...Mon, 07 Mar 2011 23:23:22 -0600<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;">Planning a getaway trip for Spring Break?&nbsp; At Hamilton Insurance Group,&nbsp;we're frequently asked if luggage &amp; other items in a vehicle are covered by auto insurance if stolen.&nbsp; The answer is there is good news&nbsp;&amp; bad news.&nbsp; The bad news is unattached items, such as luggage,&nbsp;are not covered in most cases.&nbsp; However, the good news is&nbsp;your renter's or homeowner's insurance&nbsp;policies may cover your loss.<br /> <br /> <p>For a free On Your Side Review&reg; of your home and auto insurance needs or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.<br /> <p><strong><i>&nbsp;</i></strong></p> <p></p> </strong></p> <br /> <br /> &nbsp;<br /> <br /> &nbsp;</div>urn:uuid:05388800-13f5-4c88-b235-aaa14f1ec968Some Free Wi-Fi Connections Are Traps Craig Crossman Crooks steal information from people who sign onto these illegitimate networks, called honey pots, which are found at airports, restaurants and other public places. Account information, passwo...Sun, 27 Feb 2011 21:26:32 -0600<div style="color: #0618aa; font-size: 28px; font-weight: bold;">Some Free Wi-Fi Connections Are Traps </div> <br /> <div style="color: #0618aa; font-size: 16px; font-weight: bold;">Craig Crossman</div> <div style="font-style: italic; color: black; font-size: 14px; font-weight: normal;"></div> <br /> <div><br /> Crooks steal information from people who sign onto these illegitimate networks, called honey pots, which are found at airports, restaurants and other public places. Account information, passwords and anything else typed to gain access to Web sites can be stolen by the honey pot operator, as well as anything stored on the computer&rsquo;s hard drive. <em>When using free Wi-Fi service:</em> Limit your activities to ones that do not involve your personal or financial information, such as reading the news and watching videos. </div> <div style="font-size: 12px;"><em><strong>Bottom Line/Personal</strong></em> interviewed Craig Crossman, technology columnist, McClatchy-Tribune newspapers, Asheville, North Carolina, and host of the nationally syndicated radio talk show <em>Computer America</em>. <a href="http://news.bottomlinepublishing.com/a/hBNafaJB8V0u3B8ZWD7NLCU9ZDn/bls3" target="_blank" rel="nofollow">www.ComputerAmerica.com</a> <br /> <br /> <p>For more information about the above identity theft tip or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> </div> <p><i><strong>Disclaimer: Hamilton Insurance Group</strong> and </i><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.<br /> <br /> <b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></p> <br />urn:uuid:2eed0256-5363-4fbd-8b42-2d944a793264It's a great day!&nbsp; We just saved the Baxter family more than $800 a year on their auto, home and personal umbrella insurance bundle!&nbsp; Tue, 22 Feb 2011 16:50:09 -0600It's a great day!&nbsp; We just saved the Baxter family more than $800 a year on their auto, home and personal umbrella insurance bundle!&nbsp; <br />urn:uuid:0fbd5115-b9c9-4308-ac21-71223a2d0571If you're involved in an accident, first make sure you and everyone in your car is not injured.&nbsp; Next, check on the passengers in the other vehicle; or, if necessary, make certain that no pedestrians are hurt. Five things to do if you're in a c...Mon, 21 Feb 2011 22:45:08 -0600<p>If you're involved in an accident, first make sure you and everyone in your car is not injured.&nbsp; Next, check on the passengers in the other vehicle; or, if necessary, make certain that no pedestrians are hurt. </p> Five things to do if you're in a car accident: <p style="margin-left: 20px;">1) Stay at the scene. &nbsp;Leaving can result in additional violations or fines. </p> <p style="margin-left: 20px;">2) Call 911 or the police as soon as possible.&nbsp; They'll dispatch medical personnel and a police officer immediately to the scene of the accident.&nbsp; Wait for the police to complete an accident report. </p> <p style="margin-left: 20px;">3) If you're on a busy highway, stay inside the car and wait for the police or an ambulance. &nbsp;It's dangerous if passengers stand along a busy street. </p> <p style="margin-left: 20px;">4) Don't get into an argument or a fight with the other driver.&nbsp; Simply exchange contact and insurance information.&nbsp; If possible, also get the name and phone numbers of witnesses. </p> <p style="margin-left: 20px;">5) Call your insurance provider to report the claim.&nbsp; Your agent will ask you to send any paperwork you receive regarding the accident and will give you instructions as to where you can get your car fixed. </p>urn:uuid:97efaea3-b340-4315-a3ba-bad876ac035aTim Hamilton, HIG&nbsp;Owner &amp; Principal Agent, worked&nbsp;the Nationwide Agribusiness booth at the National Farm Machinery Show at the KY Fair &amp; Expo Center in Louisville today - met some fine folks from down on the farms!&nbsp; Did you kno...Fri, 18 Feb 2011 22:48:14 -0600Tim Hamilton, HIG&nbsp;Owner &amp; Principal Agent, worked&nbsp;the Nationwide Agribusiness booth at the National Farm Machinery Show at the KY Fair &amp; Expo Center in Louisville today - met some fine folks from down on the farms!&nbsp; Did you know that Nationwide Agribusiness is&nbsp;America's largest farm insurer?&nbsp; If you own a farm, large or small, call&nbsp;us at 859-276-1234&nbsp;for a second opinion on your Farmowners policy.&nbsp; You will be glad you did!&nbsp; <a href="http://www.farmmachineryshow.org/nfmsphotogallery.aspx">http://www.farmmachineryshow.org/nfmsphotogallery.aspx</a>&nbsp;urn:uuid:dca98a0a-3c66-4a64-8b14-24b50ba911bc There are lots of weddings in February!&nbsp;&nbsp; If you just got married, give us a call to make sure your insurance is set up correctly (plus you could save money!) Thu, 17 Feb 2011 22:14:39 -0600<table width="964" style="width: 723pt; border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0"> <colgroup><col width="964" style="width: 723pt;" /></colgroup> <tbody> <tr height="20" style="height: 15pt;"> <td class="xl64" style="background-color: transparent; width: 723pt; height: 15pt;border: #f0f0f0;">There are lots of weddings in February!&nbsp;&nbsp; If you just got married, give us a call to make sure your insurance is set up correctly (plus you could save money!)</td> </tr> </tbody> </table>urn:uuid:e8a3b022-49eb-41f6-861e-21feb010ed77Have you met Monica &amp; Scott in our agency?&nbsp; They can help you with a new policy or help you with questions about coverage or claims!&nbsp; Employee DirectoryThu, 17 Feb 2011 14:13:43 -0600Have you met Monica &amp; Scott in our agency?&nbsp; They can help you with a new policy or help you with questions about coverage or claims!&nbsp; <a href="/employees.aspx">Employee Directory</a><br />urn:uuid:dc1ba305-3074-48a4-91f7-acdca4803768Frequent Question - "When do I need to add my child to my auto insurance?" In Kentucky, add your child when he/she has obtained an intermediate driver's license. Check out the following link for a summary of Kentucky&rsquo;s Graduated Licensing Law. ...Tue, 15 Feb 2011 20:17:16 -0600Frequent Question - "When do I need to add my child to my auto insurance?" In Kentucky, add your child when he/she has obtained an intermediate driver's license. Check out the following link for a summary of Kentucky&rsquo;s Graduated Licensing Law. <br /> <a href="http://gdl.kytc.ky.gov/grad_summary.htm">http://gdl.kytc.ky.gov/grad_summary.htm</a>urn:uuid:7746a243-6553-43ae-a7f4-f75b0dd15bbaCheap, uncertified electrical items can be dangerous -- and they are becoming more common as people search for bargains. Improperly made items, such as extension cords and power tools, can cause injuries and fires. Self-defense: Avoid items whose lab...Fri, 04 Feb 2011 09:21:17 -0600Cheap, uncertified electrical items can be dangerous -- and they are becoming more common as people search for bargains. Improperly made items, such as extension cords and power tools, can cause injuries and fires. <em>Self-defense:</em> Avoid items whose labels do not provide the manufacturer&rsquo;s contact information... ones without UPC bar codes... ones without any branding or certification marks... and ones with spelling and grammatical errors on packages. Be especially careful when buying products online. <div style="font-size: 12px;"><em><strong>Bottom Line/Personal</strong></em> interviewed Anthony Toderian, spokesperson, CSA International, which tests and certifies consumer electronics and other products, Toronto, Ontario, Canada.<br /> <p>For more information about&nbsp;this article&nbsp;or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.<br /> <strong><i><br /> <span style="font-size: 10px;">Disclaimer: </span></i></strong><span style="font-size: 10px;"><em>Bottom Line Secrets &amp; Hamilton Insurance Group&nbsp;</em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.<br /> </span><b><br /> <span style="font-size: 10px;">Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> </span><a href="http://www.bottomlinesecrets.com/" target="_blank"><span style="font-size: 10px;">www.BottomLineSecrets.com</span></a></b></strong></p> <br /> </div> <br />urn:uuid:ba777761-c24c-4ec4-a6e7-2255b0daab10It is illegal to text while driving in most U.S. states.&nbsp; Yet a new study by researchers at the Highway Loss Data Institute (HLDI) finds no reductions in crashes after laws take effect that ban texting by all drivers.&nbsp; In fact, such bans ar...Sat, 15 Jan 2011 12:56:19 -0600<p>It is illegal to text while driving in most U.S. states.&nbsp; Yet a new study by researchers at the Highway Loss Data Institute (HLDI) finds no reductions in crashes after laws take effect that ban texting by all drivers.&nbsp; In fact, such bans are associated with a slight increase in the frequency of insurance claims filed under collision coverage for damage to vehicles in crashes.&nbsp; This finding is based on comparisons of claims in four states before and after a texting ban, compared with patterns of claims in nearby states.&nbsp; The new findings are consistent with those of a previous HLDI study, which found that banning handheld phone use while driving does not cut crashes.</p> <p>HLDI researchers calculated rates of collision claims for vehicles up to 9 years old during the months immediately before and after driver texting was banned in California (January 2009), Louisiana (July 2008), Minnesota (August 2008), and Washington (January 2008).&nbsp; Comparable data were collected in nearby states where texting laws were not substantially changed during the time span of the study.&nbsp; This methodology controlled for possible changes in collision claim rates unrelated to the bans, such as changes in the number of miles driven due to the economy and seasonal changes in driving patterns.</p> <p>"Texting bans haven't reduced crashes at all. &nbsp;In a perverse twist, crashes increased in 3 of the 4 states we studied after bans were enacted. &nbsp;It's an indication that texting bans might even increase the risk of texting for drivers who continue to do so despite the laws," says Adrian Lund, president of both HLDI and the Insurance Institute for Highway Safety.</p> <p>HLDI's new findings about texting, together with the organization's previous finding that handheld phone bans didn't reduce crashes, "call into question the way policymakers are trying to address the problem of distracted driving crashes," Lund adds.&nbsp; "They're focusing on a single manifestation of distracted driving and banning it.&nbsp; This ignores the endless sources of distraction and relies on banning one source or another to solve the whole problem," he said.<br /> <br /> </p> <p>For more information about this topic&nbsp;or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.<br /> <strong><i><br /> Disclaimer: </i></strong><em>Hamilton Insurance Group&nbsp;</em>reprints the opinions of expert authorities in many fields.&nbsp; But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs.&nbsp; Always consult a competent professional for answers to your specific questions.</strong></p> <p></p> <p>Get more <a href="../../../../expert/topics/personallines/personalriskmanagement.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="TextAlignCenter">Copyright 2010<br /> <a href="http://www.irmi.com/">International Risk Management Institute, Inc.</a> </p> <br />urn:uuid:e83338a7-700d-4bbc-b03d-949f9da5791fHomeowners insurance premiums often take a substantial bite out of a family&rsquo;s budget.&nbsp; You may, however, be paying too much for this coverage.&nbsp; The following are some approaches you can use to reduce your homeowners insurance costs. ...Fri, 14 Jan 2011 08:47:57 -0600<p>Homeowners insurance premiums often take a substantial bite out of a family&rsquo;s budget.&nbsp; You may, however, be paying too much for this coverage.&nbsp; The following are some approaches you can use to reduce your homeowners insurance costs.</p> <ul> <li> <p>Try to increase your deductible to the highest one you can afford, even if the premium savings do not appear to justify it.&nbsp; This will decrease your premium and increase the likelihood that your loss history will be excellent, since minor losses will be paid by you and not your insurance company.&nbsp; A loss-free record over time saves premium dollars.&nbsp; For example, if you currently have a $250 deductible on your homeowners policy, consider increasing it to $500 or $1,000. </p> </li> <li> <p>Consider purchasing a monitored burglar alarm. Alarms have proven successful in reducing burglary rates.&nbsp; In addition, most insurers provide premium discounts to consumers with these alarms, some as high as 20 percent.</p> </li> <li> <p>Maintain your home in optimum condition. If a repair is needed, perform it as soon as possible.&nbsp; For example, loose or missing roof shingles should be repaired or replaced immediately.&nbsp; A home in excellent condition is much less likely to experience a loss. </p> </li> <li> <p>Buy your home insurance and your auto insurance from the same company.&nbsp; Discounts normally apply when you do.</p> </li> </ul> <p>For more information about ways to lower your homeowners&nbsp;insurance costs or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p>Get more <a href="../../../../expert/topics/personallines/personalriskmanagement.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="TextAlignCenter">Copyright 2011<br /> <a href="http://www.irmi.com/">International Risk Management Institute, Inc.</a> </p>urn:uuid:aa0b3899-63d2-4335-adbf-68189848bd82The Internet is a fascinating place that is opening up new forms of social interaction, activities, and organization of information. Social networking websites such as Facebook, Twitter, and MySpace are creating revolutionary ways to interact with pe...Mon, 10 Jan 2011 22:45:54 -0600<p>The Internet is a fascinating place that is opening up new forms of social interaction, activities, and organization of information. Social networking websites such as Facebook, Twitter, and MySpace are creating revolutionary ways to interact with people all over the world. In addition, websites such as Amazon, Yelp, and Angie's List allow people to post online reviews of businesses of all types. The explosive growth in these types of activities in the last few years is truly amazing.</p> <p>These undertakings, however, have a dangerous element. Blogs and postings of a negative nature (even if they are true) can result in unpleasant and costly lawsuits against the author. Note that it may still take time before there is a good body of caselaw to support freedom of speech online in blogs, forums, and social media publishing sites. And remember that freedom of speech does not mean you can say anything you want anywhere. Freedom of speech implies responsibility; its use should generally be for the benefit of the greater good. So the following are some risk management tips to consider before posting or blogging negative comments on the Internet.</p> <ul> <li>Check your facts carefully and thoroughly document your sources. Truth is a complete defense in a libel case, although you still may run into expensive legal bills defending yourself. If you find that your facts are incorrect, remove the inaccurate content and consider issuing a correction or retraction. </li> <li>If you purchase a product online and have an unpleasant experience with the seller, it might be wise not to post a negative comment or rating on the website. If you do post an adverse comment, be sure that it is objectively written, based on solid facts concerning your own direct experience, and not written in an inflammatory manner. </li> <li>If you are a blog master and someone is posting false and incendiary statements on your site, remember that you may be held liable for these remarks since you are the "publisher." </li> <li>Seek protection for your rights. The <a href="https://www.eff.org/issues/bloggers" target="_blank">Electronic Frontier Foundation</a>, a not-for-profit organization, has a mission to safeguard the rights of those who use digital media and to provide legal guides to bloggers both large and small. It also offers helpful ideas to those bloggers and online posters to avoid libel suits. </li> <li>Make certain your homeowners policy includes a personal injury endorsement to cover libel and slander suits. Most standard insurance company policy forms do not provide this automatically, and it can be added for a small additional premium. Also, consider buying a personal umbrella policy, which generally provides broader personal injury coverage. </li> <li>If your blog is a money-maker, look into business liability coverage since the typical homeowners policy contains numerous business-related exclusions and restrictions. If you operate a small home-based business in conjunction with your blog or online business, consider requesting that a home-based business endorsement be added to your homeowners policy. </li> </ul> <p>For more information about&nbsp;this topic&nbsp;or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.<br /> <strong><i><br /> Disclaimer:&nbsp;</i></strong><em>Hamilton Insurance Group&nbsp;</em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</strong></p> <p>Get more <a href="../../../../expert/topics/personallines/personalriskmanagement.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="TextAlignCenter">Copyright 2010<br /> <a href="http://www.irmi.com/">International Risk Management Institute, Inc.</a> </p>urn:uuid:8c9809e8-27ae-469c-af6a-87125dc4e805Named Non-Owner coverage is written for any person not owning a private passenger or commercial automobile, who otherwise meets the qualifications for an auto policy with Nationwide. Situations may include: Employer-furnished vehicles, borrowing cars...Sat, 01 Jan 2011 23:26:55 -0600Named Non-Owner coverage is written for any person not owning a private passenger or commercial automobile, who otherwise meets the qualifications for an auto policy with Nationwide. Situations may include: Employer-furnished vehicles, borrowing cars from friends or relatives or frequent use of rental cars. Coverage is excess over other insurance available to the Policyholder.urn:uuid:0ed93492-f71f-4e9b-b08d-03f4f3308c7fMinor cracks can lead to major problems Danny Lipford Minor driveway problems can expand into major hazards and lead to costly repairs and/or damage to vehicles and even your home. But a little maintenance can help you avoid or repair unsightly cra...Tue, 28 Dec 2010 17:51:43 -0600<div class="subtitle"><strong>Minor cracks can lead to major problems<br /> <strong><br /> Danny Lipford<br /> <br /> <p class="noindent">Minor driveway problems can expand into major hazards and lead to costly repairs and/or damage to vehicles and even your home. But a little maintenance can help you avoid or repair unsightly cracks and holes. </p> <p>What you need to know about maintaining your asphalt or concrete driveway...</p> <p class="subhead">CATCH CRACKS QUICKLY</p> <p>Scan your driveway for cracks every year. <em>Two of the most common trouble spots...</em></p> <p><strong>Near where the driveway meets the garage.</strong> Garage foundations almost always are poured at different times than driveways, resulting in "cold joints" that are prone to cracks. These cracks allow rain coming off your house&rsquo;s eaves to get under the driveway and wash away the supporting soil, causing settling or cave-ins -- and perhaps damaging the home&rsquo;s foundation as well, especially if your house is attached to your garage. </p> <p><strong>In the control joints of a concrete driveway.</strong> Concrete driveways usually have seams designed to allow some expansion and contraction. These seams can hide cracks, so use a brush or shop vac to clear away any dirt from these joints, then give each a close look. </p> <p class="subhead">FILL CRACKS YOURSELF</p> <p>When you find a crack, pull any weeds, use a screwdriver to remove any large debris, then use a whisk brush to remove dirt and smaller debris. </p> <p>Next, fill the crack with a driveway sealer designed specifically for this purpose. I recommend Quikrete Concrete Crack Seal for concrete drives (800-282-5828, <a href="http://www.quikrete.com/" target="_blank">www.Quikrete.com</a>)... or a Latex-ite driveway crack filler for asphalt (800-851-5606, <a href="http://www.latexite.com/" target="_blank">www.Latexite.com</a>). Expect to pay $4 or $5 for a 10.1-ounce tube of either product or $6 to $10 for a one-quart bottle. They are designed to fill cracks up to about one-half-inch wide. If a crack is any wider, use a product designed to patch potholes. This fix will last for years if done correctly and will help prevent any further damage or spread of cracks.</p> <p><strong><em>Helpful:</em></strong> These products work best when applied on warm, dry days. Quikrete is best used when temperatures are between 45&deg;F and 100&deg;F... Latexite, above 55&deg;F. Check the forecast for the night ahead, too. Even if it&rsquo;s warm during the day, cold temperatures at night increase the odds of sealer failure. In the northern US, it often is safer to wait until summer to use these products. </p> <p>If a portion of your driveway has settled and cracked extensively, that entire section might have to be ripped out and replaced, which requires a professional. To pick the right pro, it&rsquo;s very important to check references and use a local company that routinely does this type of work. Expect to pay $600 to $1,200 to replace a section of an asphalt drive a few square yards in size, or more if a significant portion of the driveway must be replaced... or $1,000 to $2,000 for a similar-sized part of a concrete drive. Prices vary considerably based on the region.</p> <p class="subhead">WALK THE EDGE</p> <p>Erosion under the edges of driveways can lead to cracks or cave-ins. At least once a year, scan the edges of your driveway for spots where the soil has eroded, creating a cavity beneath the concrete or asphalt... and places where water pools near the edge of the driveway following heavy rains, which could cause future erosion. </p> <p><strong><em>Helpful:</em></strong> Remember to check behind any shrubs, mulch beds or other landscaping features near the edge of your driveway. These can hide erosion. Gently push aside any plants, or probe along the edges of the driveway with your hands to feel for spaces. </p> <p>If water is pooling along the edge of the drive, consider lowering the height of surrounding landscaping to improve drainage. This might mean reducing the depth of mulch beds or the amount of soil in flower beds. If erosion has occurred already, pack dirt or gravel into the eroded area to support the driveway above. Keep an eye on this area in the coming months. If the erosion comes back, you might have to hire a landscaping professional to find a solution.</p> <p class="subhead">FILL POTHOLES</p> <p>Asphalt cracks can become potholes when they are allowed to linger. The longer you wait to repair a pothole, the larger it will grow and the more difficult it will become to repair. </p> <p>First, remove all loose material from the pothole, including any decaying stumps or roots. If the resulting hole is more than two inches deep, fill it with crushed stone or store-bought fill dirt, then pound the fill with a tamper or the flat side of a brick to compact it as much as possible. Continue adding the fill and compacting it until the depth of the pothole is no more than two inches. </p> <p>Next, apply Latex-ite Super Patch ($7.99 per gallon) according to the directions on the package. This product is designed specifically for potholes and works well with both asphalt and concrete drives, although the patch material is black and will stand out more on a concrete drive.</p> <p class="subhead">SEAL ASPHALT DRIVES</p> <p>Resealing an asphalt driveway every three years or so can minimize deterioration. Concrete driveways do not require sealing. </p> <p>Use a push broom with very stiff bristles to clean the asphalt driveway, then thoroughly wash the driveway with a hose. Let dry. </p> <p>Next, apply sealer. Latex-ite Airport Grade II Driveway Sealer/Filler usually is a good choice, but use Latex-ite Sand Mix Driveway Sealer/Filler instead if your driveway is steep. Its sand provides added texture to help vehicles maintain traction on inclines. </p> <p>Latex-ite sealers typically cost $20 to $25 per five-gallon pail. You could pay less for a bargain brand, but it&rsquo;s a false economy. Low-end sealers increase the odds of additional driveway maintenance hassles in future years.</p> <p>Your goal should be a layer of sealer approximately one-eighth-inch thick (unless the sealer&rsquo;s instructions specifically recommend a different depth). Expect to use around one gallon of sealer per 50 square feet of driveway if your driveway has not previously been sealed... or one gallon per 80-to-100 square feet if it has.</p> <p>Use a long-handled rubber squeegee to apply driveway sealer, not a roller. Rollers designed for applying sealer tend to apply too thin a coat. </p> <p>If you have a very long driveway -- perhaps a quarter mile or longer -- resealing might be too large a job to do by hand. Expect to pay a professional around $1 per square foot to reseal the driveway for you, though this varies by region. </p> <p class="subhead">BEWARE SCAMMERS</p> <p>Unfortunately, the driveway-repair sector is rife with scammers who apply watered-down, nearly worthless sealers. Either hire a company that a friend recommends... or ask respected local building professionals for recommendations. Either way, ask the driveway company for a handful of references in your region before agreeing to terms. Visit the addresses provided to speak with the home owners and examine their driveways. A quality sealing job should have an even-looking coating. Slipshod work will look thicker in some areas than others.</p> <p><strong><em>Warning:</em></strong> Don&rsquo;t be reassured by the long warranties offered by many driveway-resealing companies. Such warranties typically provide very little real protection. Some of these companies intentionally go out of business each year or so, rendering their warranties worthless, while others hide behind loopholes in their warranties. Even legitimate driveway-resealing companies put limits and loopholes in their warranties to avoid liability if a driveway they seal later deteriorates because of mistakes made during its initial construction. </p> <p>For more information about this topic&nbsp;or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.<br /> <strong><i><br /> Disclaimer: </i></strong><em>Bottom Line Secrets and Hamilton Insurance Group&nbsp;</em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.<br /> <b><br /> Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b></strong></p> <p><em><strong>Bottom Line/Personal</strong></em> interviewed Danny Lipford, who has worked as a contractor in Alabama for more than 30 years. He is host of the nationally syndicated television program <em>Today&rsquo;s Homeowner with Danny Lipford</em> and home-maintenance consultant for <em>The Weather Channel</em> and <em>The Early Show on CBS</em>. <a href="http://www.dannylipford.com/" target="_blank">www.DannyLipford.com</a></p> </strong></strong></div>urn:uuid:05c61a86-78c1-4151-a547-25eedd993e3cStaff Christmas dinner tonight at Bella Notte's was a wonderful time.&nbsp; Thanks to Monica, Scott, Renee and Barney for attending and making our annual dining experience one I will always remember.&nbsp; I appreciate all you do to insure we exceed ...Mon, 20 Dec 2010 22:47:14 -0600Staff Christmas dinner tonight at Bella Notte's was a wonderful time.&nbsp; Thanks to Monica, Scott, Renee and Barney for attending and making our annual dining experience one I will always remember.&nbsp; I appreciate all you do to insure we exceed our policyholders' expectations.&nbsp; You're the best!urn:uuid:51ac22a9-31c3-4af1-a250-cd92bd25f32cOne of the more common complaints heard from insureds after a major property loss is a lack of homeowners coverage for valuable trees and landscaping. Most homeowners policies provide only limited coverage (with restricted perils) for this loss expos...Sat, 18 Dec 2010 10:42:36 -0600<p>One of the more common complaints heard from insureds after a major property loss is a lack of homeowners coverage for valuable trees and landscaping. Most homeowners policies provide only limited coverage (with restricted perils) for this loss exposure&mdash;usually 5 percent of the dwelling limit subject to a maximum of $500 per tree or shrub. Peril restrictions may also preclude coverage; for example, there is no landscaping coverage for a loss to landscape arising out of windstorm. Unfortunately, many trees, in particular, can be valued in the thousands or even tens of thousands of dollars. To protect this investment, consider the following risk management tips.</p> <ul> <li>If you have valuable mature trees, consider asking a licensed or certified arborist to appraise their value. Trained arborists use guidelines to value these trees, and such guidelines are recognized by insurance companies, the courts, and, in most cases, the Internal Revenue Service. </li> <li>Once you have the valuation, consider asking for an endorsement to provide higher limits and enhanced coverage for your valuable trees and other landscaping. </li> <li>Practice sound loss control for your trees. For example, topping of trees should be avoided. (Topping is the indiscriminate cutting of trees to stubs or lateral branches that are not large enough to sustain the remaining branch.) </li> <li>Hire a tree specialist to properly prune and thin out your mature trees. This action makes your trees less susceptible to disease and insects. For extremely valuable trees, consider hiring an arborist for this work. When selecting an arborist, check for his or her membership in professional organizations such as the International Society of Arboriculture (ISA), or the Tree Care Industry Association (TCIA). </li> <li>Recognize tree hazards to avoid injuries and damage to property. For examples, dead or dying trees are more likely to fall into utility lines, which could cause power outages, surges, and fires. Dead or dying trees are also likely to damage homes and could even injure people should they fall. Hiring a reputable tree specialist to remove dead or dying trees is a smart move. Get copies of the contractor's certificates of insurance for workers compensation and general liability before work begins.</li> </ul> <p>For more information about the great&nbsp;danger of&nbsp;nighttime driving for teens or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.<br /> <p><strong><i>Disclaimer:&nbsp; </i></strong><em>Hamilton Insurance Group&nbsp;</em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> </strong></p> <p>Get more <a href="../../../../expert/topics/personallines/personalriskmanagement.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="TextAlignCenter">Copyright 2010<br /> <a href="http://www.irmi.com/">International Risk Management Institute, Inc.</a> </p>urn:uuid:613bdbea-a1ca-4386-a2a4-3d1eedf1b3a9Steven&nbsp;Westermann International Association of Fire Chiefs Last Christmas wasn&rsquo;t the safest of times for a local family.&nbsp; A fire started in the oven, probably ignited by food that spilled over onto the heating coils.&nbsp; Fortunate...Wed, 15 Dec 2010 16:49:30 -0600<div style="color: #0618aa; font-size: 16px; font-weight: bold;">Steven&nbsp;Westermann</div> <div style="font-style: italic; color: black; font-size: 14px; font-weight: normal;">International Association of Fire Chiefs</div> <br /> <div><br /> Last Christmas wasn&rsquo;t the safest of times for a local family.&nbsp; A fire started in the oven, probably ignited by food that spilled over onto the heating coils.&nbsp; Fortunately, no one was hurt, and the fire was contained by keeping the oven door closed.&nbsp; But the smoke that poured from the oven spread ash throughout the house.&nbsp; Their insurance company sent in a cleaning crew that took almost three days to finish the job.&nbsp; The oven is not salvageable, and some furniture will have to be reupholstered. <br /> This fire was relatively small.&nbsp; But Chief Steven Westermann, president of the International Association of Fire Chiefs, says that the incident has lessons for us all...<br /> &nbsp;<br /> <strong>Have an escape plan for fires.</strong>&nbsp; If you don&rsquo;t already have one, the City of Phoenix has a good guide on its Web site, <a href="http://phoenix.gov/FIRE/escfire.html" style="color: #0000cc;" target="_blank" rel="nofollow">http://phoenix.gov/FIRE/escfire.html</a>.&nbsp; Get everyone out of the house immediately if a kitchen fire spreads beyond a pot or pan.&nbsp; Do not try to extinguish the fire.<br /> &nbsp;<br /> <strong>Call 911 even if a fire seems minor.</strong> A fire can double in size every minute and may take only three or four minutes to spread throughout a house.<br /> &nbsp;<br /> <strong>Know where your fire extinguisher is --</strong> and how to work it.&nbsp; This sounds obvious, but many people forget after not having to use it for many years.&nbsp; Instructions are clearly marked. Review them regularly so that you won&rsquo;t need the reminder in case of a fire.<br /> &nbsp;<br /> <strong>Contain flames.</strong> When using the oven, put cookie sheets under the bakeware so that spills stay off of the heating elements.&nbsp; If something starts flaming, turn off the oven and keep the oven door closed.&nbsp; Most kitchen fires start on top of the stove, especially when frying in fat.&nbsp; If a grease fire occurs, immediately cover the pan with a lid to shut off the oxygen supply. &nbsp;It&rsquo;s old advice to never leave the stove unattended when a burner is on, yet far too many people still do -- while simmering soups or stews, for example.<br /> &nbsp;<br /> <strong>Install smoke alarms on every level of your home --</strong> typically, at the top and bottom of staircases.&nbsp; Replace batteries annually.&nbsp; A sprinkler system is highly recommended.&nbsp; If you are building a new house, have a sprinkler system installed at the start. <br /> <br /> Unfortunately, a home owner&rsquo;s problems usually don&rsquo;t end once the fire is out.&nbsp; "Clean up is tricky," says Peter Duncanson, director of training and technical support for disaster restoration at ServiceMaster Clean (<a href="http://ebls.bottomlinesecrets.com/a/hBNCGexB74VH6B8WbXONLCU9ZGZ/bls8" style="color: #0000cc;" target="_blank" rel="nofollow">www.servicemasterclean.com</a>).&nbsp; "Wiping up ashes with a wet cloth will make even more of a mess.&nbsp; And all fires give off a gas that damages stainless steel, glass, marble and other substances." <br /> <br /> To prevent contamination of the entire house after any house fire, Peter suggests putting cheesecloth or other filters over all air vents and keeping the room where the fire started closed off for as long as possible. &nbsp;The actual cleanup is best done by restoration professionals.&nbsp; They will pretreat certain materials, test various chemicals to see what works and deodorize the home. Immediate cleanup is critical to prevent permanent damage and protect your health.&nbsp; Your insurance carrier can provide more information to help you minimize your loss.<br /> &nbsp;</div> <div style="font-size: 12px;"><em><strong>Bottom Line/Personal</strong></em> interviewed Steven Westermann, former president of the International Association of Fire Chiefs.<br /> <p>For more information about what to&nbsp;do if your home caught fire&nbsp;or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.<br /> <strong><i><br /> Disclaimer: Hamilton Insurance Group and </i></strong><em>Bottom Line Secrets </em>publish the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.<br /> <b><br /> Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a></b> <p >&nbsp;</p> </strong></p> <br /> <br /> </div>urn:uuid:aa142f5a-74fa-4c2f-a4b0-c8e36af0ca16 Hamilton Insurance Group is saving an apartment landlord a bucket load of money on their insurance program while making some key coverage improvements. To request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana...Mon, 13 Dec 2010 09:46:16 -0600<div class="avatar"><img width="32" height="27" alt="image" src="http://media.merchantcircle.com/4935585/TWH11092007PHOTOcrop10_thumb.jpeg" /> </div> <div class="story"> <p><a href="http://www.merchantcircle.com/business/Nationwide.Insurance.859-231-1099" rel="nofollow"><span style="color: #800080;">Hamilton Insurance Group</span></a> is saving an apartment landlord a bucket load of money on their insurance program while making some key coverage improvements.</p> <p>To request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.<br /> <br /> Now is the time to switch &amp; save up to $523 on your insurance coverage.&nbsp; Our goal is to exceed your expectations.&nbsp; Give us the opportunity to earn your business! &nbsp; Call today at 859-276-1234.&nbsp;&nbsp; You will be glad you did.&nbsp;</strong></p> </div>urn:uuid:8fa4f856-2edf-45df-b53d-249cfd8a2ca7<img src='http://bottomlinesecrets.com/images/bullets/blue_bullet.gif' align='left' />Richard A.&nbsp;Marottoli, MD Yale School of Medicine As you buckle yourself into a two-ton metal machine and rocket down the road at 60 miles per hour or faster, you may ask yourself, "Am I as safe a driver as I used to be?" This can be a legitima...Sun, 28 Nov 2010 11:33:43 -0600<div style="font-family: arial, helvetica, sans-serif; color: #0618aa; font-size: 16px; font-weight: bold;">Richard A.&nbsp;Marottoli, MD</div> <div style="font-style: italic; font-family: arial, helvetica, sans-serif; color: black; font-size: 14px; font-weight: normal;"><span class="yshortcuts" id="lw_1290964887_8" style="border-bottom: #366388 2px dotted; background: none transparent scroll repeat 0% 0%; cursor: hand;">Yale School of Medicine</span></div> <br /> <div><br /> <span style="line-height: 30pt; width: auto; padding-right: 5px; font-family: times, 'times new roman'; float: left; color: #0618aa; font-size: 42pt; font-weight: bold;">A</span>s you buckle yourself into a two-ton metal machine and rocket down the road at 60 miles per hour or faster, you may ask yourself, "Am I as safe a driver as I used to be?" This can be a legitimate concern even if you&rsquo;re in robust health and still a long way from being a senior. For instance, you may no longer be able to turn your head far enough to look behind you. <br /> Safety concerns become increasingly relevant as the years pass. <br /> <strong><em>Consider:</em></strong> Compared with drivers age 55 to 64, those over the age of 65 are almost twice as likely to die in a car crash... drivers age 80 and older have higher crash-fatality rates than all other age groups except teens. <br /> Aging affects driving ability in several vital ways... <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Vision and hearing become less acute.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Cognition slows, impairing the ability to recognize and react appropriately to a hazard (such as a child dashing into the street). </p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />The physical ability to operate a car may be impaired by stiff joints, muscle pain, nerve damage and other maladies.</p> <br /> Advancing age also brings increased frailty. This means that, even if driving skills remain sharp, the ability to recover from accidents decreases. <br /> The modern world also presents hazards that older drivers may not be accustomed to. More than ever, drivers around you are likely to be distracted by cell-phone calls, text messages and <span class="yshortcuts" id="lw_1290964887_9">GPS devices</span>. These distractions greatly increase the risk for accidents. <p style="text-align: center; text-transform: uppercase; font-family: arial, helvetica, sans-serif; color: #0618aa; font-size: 14px; font-weight: bold;"><span class="yshortcuts" id="lw_1290964887_10">NEW RULES OF THE ROAD</span></p> <br /> <em>Avoid dangerous situations... </em> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Use routes that minimize left turns -- they are more dangerous than right turns. When waiting to turn left, keep your wheels straight so you won&rsquo;t be pushed into oncoming traffic if hit from behind. </p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />On the highway, stay in the right lane whenever possible. There&rsquo;s less risk of being tailgated, and you probably won&rsquo;t need to change lanes to exit.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Minimize travel on congested or poorly lit roads.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Do not drive in rain or snow or when you feel tired or stressed. Stay home or call a taxi.</p> <br /> <em>See and be seen...</em> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />To determine if you&rsquo;re tailgating, pick a spot that the car in front of you passes, then count the seconds until you reach that spot. If it&rsquo;s less than three seconds -- or six seconds in rain or fog -- back off.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Use your window defroster on high heat to clear window fog quickly... then switch to cool air (not cold) to keep fog from coming back. This works in all weather.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Keep your windows clean inside and outside.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Be on the watch for distracted drivers. Stay focused yourself, too -- don&rsquo;t talk on the phone or eat or fiddle with the CD player or have emotional conversations with your passengers. </p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Keep headlights on, even during the day -- it makes you more visible to others. Clean headlights often.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />If you have poor night vision, drive only in daylight.</p> <br /> <em>Master new car technology...</em> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Put your seat as far back as you comfortably can to avoid being injured by the air bag if it deploys.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Tilt the steering wheel so that the air bag points toward your chest, not your head. If your steering wheel telescopes, move it closer to the dashboard to lessen air bag impact.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />If you skid, do not "pump" anti-lock brakes -- just brake steadily.</p> <p style="text-align: center; text-transform: uppercase; font-family: arial, helvetica, sans-serif; color: #0618aa; font-size: 14px; font-weight: bold;"><span class="yshortcuts" id="lw_1290964887_11">HEALTH CHECKS</span></p> <br /> <em>Work with a health-care team...</em> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Ask your doctor if any of the medications you take can cause drowsiness or light-headedness. If you start a new drug, avoid driving for a few days until you see how it affects you.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Have your vision checked every year or two.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Get a hearing test every three years. If you have hearing loss, watch dashboard indicators because you may not notice strange engine noises.</p> <br /> <strong><em>Also:</em></strong> Be vigilant about watching for emergency vehicles. <p style="text-align: center; text-transform: uppercase; font-family: arial, helvetica, sans-serif; color: #0618aa; font-size: 14px; font-weight: bold;">SHOULD YOU TAKE A CLASS?</p> <br /> The more of the following factors that apply to you, the more advisable it is to take a <span class="yshortcuts" id="lw_1290964887_12">refresher course</span> in driving. <em>Take it as a clue if you...</em> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Often are honked at by other drivers.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Sometimes have trouble staying in your lane.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Occasionally think that vehicles or pedestrians have appeared out of nowhere.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Caused a recent accident.</p> <br /> Many insurance companies offer discounts to drivers who pass a refresher course. Contact your insurance agent for more information. <br /> Some classes can be completed in one or two days... some you do at your own pace. <em>Bonus:</em> Classes review your state&rsquo;s laws, which may have changed -- for example, many older drivers are unaware of certain states&rsquo; requirements to signal at least 100 feet before turning. <br /> <span class="yshortcuts" id="lw_1290964887_13">Refresher courses</span> are given online and in classroom settings. A course that includes several hours of behind-the-wheel training is most beneficial, though this can add significantly to the cost. <p style="text-align: center; text-transform: uppercase; font-family: arial, helvetica, sans-serif; color: #0618aa; font-size: 14px; font-weight: bold;"><span style="color: #000000;">&nbsp;</span>PUTTING DOWN THE KEYS </p> <br /> It&rsquo;s time to consider leaving the driving to others if you have taken a refresher course and yet still experience any of the following... <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Often feel lost or confused on familiar roads.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Occasionally hit the gas when you mean to hit the brake.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Hear that other people worry about your driving or are scared to ride with you.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Have been advised by your doctor to stop driving.</p> <br /> <em>If you stop driving...</em> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Find out about public transportation options, including discounted fares for seniors.</p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />For referrals to civic groups that provide rides, contact your local council on aging (<span class="yshortcuts" id="lw_1290964887_17" style="border-bottom: #366388 2px dotted; cursor: hand;">800-677-1116</span>, <a href="http://ebls.bottomlinesecrets.com/a/hBM6MOUB74VH6B8V2aYNLCU9Z9w/bls6" style="color: #0000cc;" target="_blank" rel="nofollow"><span class="yshortcuts" id="lw_1290964887_18" style="color: #0000cc;">www.ElderCare.gov</span></a>). </p> <p class="indent"><img alt="" width="12" height="8" src="http://bottomlinesecrets.com/images/bullets/blue_bullet.gif" />Ask nearby friends for rides (and offer to pay for gas). Many people are happy to help out.<br /> <br /> <br /> </p> <p>For more information on how to avoid turning into an "old driver" or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b>&nbsp;</b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.<br /> <br /> <strong><i>Disclaimer: </i></strong><em>Bottom Line Secrets and Hamilton Insurance Group&nbsp;</em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</strong></p> <p class="indent"><em><strong>Bottom Line/Women&rsquo;s Health</strong></em> interviewed Richard A. Marottoli, MD, associate professor of medicine at Yale School of Medicine and medical director of the Dorothy Adler Geriatric Assessment Center at Yale-New Haven Hospital, both in New Haven, Connecticut. He is author of numerous published articles on senior drivers and led the "Enhancement of Driver Performance Among Older Drivers" study for the AAA Foundation for <span class="yshortcuts" id="lw_1290964887_19" style="border-bottom: #366388 2px dotted; background: #dceeff; color: #000; cursor: hand;">Traffic Safety</span>. </p> </div>urn:uuid:4a9817f6-1b5a-450c-b47a-2a43ec910319&nbsp; No-Fault Coverage Uncovered When most people hear "no-fault," they think it relates to responsibility for an auto accident, which is not exactly true. So what does "no-fault" coverage mean? "No-fault" coverage also is referred to as Personal I...Fri, 19 Nov 2010 21:03:01 -0600<p style="text-align: left;">&nbsp;</p> <p style="text-align: center;"><b>No-Fault Coverage Uncovered</b></p> <p>When most people hear "no-fault," they think it relates to responsibility for an auto accident, which is not exactly true. So what does "no-fault" coverage mean? "No-fault" coverage also is referred to as Personal Injury Protection (PIP), which better describes the coverage. In basic PIP coverage, your insurance company pays you for medical expenses, lost wages and similar "out-of-pocket" costs due to an injury occurring in an automobile accident, regardless of who is at fault for the accident. It also means that you cannot recover these and other damages from the at-fault party unless your injuries exceed certain thresholds.</p> <b> <p>Basic PIP Coverage</p> </b> <p>Insurance on all motor vehicles, except motorcycles, must include basic PIP coverage. Basic PIP benefits pay up to $10,000 for medical expenses, lost wages up to $200 per week, replacement services and survivor&rsquo;s benefits if someone is injured in a motor vehicle accident, regardless of who may have been at fault. </p> <p>Be aware that with rising medical costs, the basic coverage may not be adequate to cover a serious injury. You have the option of purchasing additional PIP coverage. Check with your agent for additional coverage available.</p> <p>An injured person would file a claim for PIP benefits on the coverage of the vehicle they were in at the time of the accident, or in the case of a pedestrian, the vehicle they were struck by. If you own the vehicle you were injured in, but do not have insurance coverage, no PIP benefits are available to you. However, if you were a passenger in an uninsured vehicle, you can seek coverage from other vehicle policies. If there is no other policy available, a claim for basic PIP should be made to the Kentucky Assigned Claims Plan. You can contact them by writing to the Kentucky Assigned Claims Plan, 10605 Shelbyville Road, Suite 100, Louisville, Kentucky 40223, by phone at 502-327-7105 or send an e-mail to kyauto@kaip.org.</p> <b> <p>Limitations on Right to Sue and be Sued</p> </b> <p>In exchange for eligibility to receive basic PIP benefits, all persons who register, operate, maintain or use a motor vehicle in Kentucky are deemed by law to have accepted certain limitations on their right to recover damages for bodily injury due to motor vehicle accidents. This means that an injury claim or lawsuit for damages, including pain and suffering, cannot be brought by you or against you unless the injured person has incurred medical expenses greater than $1,000, a broken bone, permanent injury or death. These limitations are called "thresholds."</p> <p>You have the option of rejecting basic PIP coverage for yourself, thereby rejecting these limitations. The rejection must be in writing on a special form and filed with the Department of Insurance. See your agent for a copy of the form, or visit our Web site (http://insurance.ky.gov/Documents/nf1abcREV0608.pdf). If you file a no-fault rejection form, you are not entitled to receive basic PIP benefits unless you "buy-back" the coverage. Keep in mind that your liability premium may be higher due to your no-fault rejection, since others will have the same right to sue you for injuries which do not reach the thresholds.</p> <p>If every member of your household rejects the limitations on their right to sue and be sued, Guest PIP must be included on your policy to provide basic PIP benefits to your passengers and pedestrians. </p> <b> <p>Motorcycle ALERT!</p> </b> <p>Basic PIP coverage is optional for motorcycles. Unless basic PIP coverage is purchased for the motorcycle, neither the operator nor the passenger of the motorcycle is entitled to collect basic PIP benefits from any source. </p> <p>If a motorcycle owner elects not to purchase PIP coverage, he is still considered to have accepted the limitations on his rights to sue and be sued for damages unless a no-fault rejection form is filed. If a no-fault rejection form is not filed, he will be unable to recover the first $10,000 of an injury claim from the at-fault party.<br /> <br /> For more information about Kentucky No-Fault Coverage or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong></strong></p> <p><strong><i>Disclaimer:&nbsp;</i></strong><em>Hamilton Insurance Group&nbsp;</em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p style="text-align: center;"><br /> <strong>Reprinted with the permission of:</strong><br /> <br /> &nbsp;<b>Kentucky Public Protection Cabinet <p style="text-align: center;">Department of Insurance </p> <p style="text-align: center;">P.O. Box 517, Frankfort, KY 40602-0517 </p> <p style="text-align: center;">&nbsp;<b></b></p> </b></p>urn:uuid:8b625977-9862-47d0-adb5-76ae4ab5d602According to a National Fire Protection Association study, there are approximately 400,000 house fires each year in the United States, which account for 75 percent of all structure fires. This study also indicated that residential fires result in ove...Sat, 30 Oct 2010 20:45:41 -0500<p>According to a National Fire Protection Association study, there are approximately 400,000 house fires each year in the United States, which account for 75 percent of all structure fires. This study also indicated that residential fires result in over 3,700 deaths per year. Indeed, fires typically kill more Americans than all other natural disasters combined.</p> <p>Having properly placed fire extinguishers in your home is an excellent loss control measure that targets the most common cause of property loss. </p> <p>Before purchasing fire extinguishers, learn about the different types of fire extinguishers. There are four basic types, as follows.</p> <ul> <li>Class A extinguishers put out fires in ordinary combustibles, such as wood and paper. </li> <li>Class B extinguishers should be used on fires involving flammable liquids, such as grease, gasoline, and oil. </li> <li>Class C extinguishers are suitable for electrically energized fires. </li> <li>Class D extinguishers should be used on flammable metals and are typically specific for the type of metal in question. </li> </ul> <p>The following are some tips concerning this important fire protection device.</p> <ul> <li>Most home fire safety experts recommend medium size, multipurpose fire extinguishers that are labeled as suitable for use on class A, class B, and class C fires. </li> <li>A fire extinguisher should be kept in your garage, kitchen, and on each floor of your home. </li> <li>You and other potential users in your household should thoroughly read the extinguisher's instructions on a periodic basis. </li> <li>A professional fire equipment supplier should inspect each extinguisher annually. </li> </ul> <p>Note that prices on fire extinguishers start at around $20. Many insurers offer modest premium credits to encourage homeowners to purchase and maintain extinguishers.<br /> <br /> </p> <p>For more information about this important fire protection device or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p>Get more <a href="../../../../expert/topics/personallines/personalriskmanagement.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="TextAlignCenter">Copyright 2010<br /> <a href="http://www.irmi.com/">International Risk Management Institute, Inc.</a> </p>urn:uuid:47eb9e7b-f9e1-4302-9e6c-b297963b0946Women need to save more for retirement than men.&nbsp; Reason:&nbsp; After retirement, women live an average of 22 years, compared with 19 for men.&nbsp; Women must save an additional 2% a year for 30 years to make up for that difference. But:&nbsp; ...Sat, 23 Oct 2010 15:46:08 -0500<strong>Women</strong> need to save more for retirement than men.&nbsp; <em><strong>Reason</strong>:&nbsp; </em>After retirement, women live an average of 22 years, compared with 19 for men.&nbsp; Women must save an additional 2% a year for 30 years to make up for that difference.<strong> </strong><em><strong>But</strong>:</em>&nbsp; Women often start saving two to four years later than men do, on average, and women invest less -- 7.3% of earnings, compared with 8.1% for men.&nbsp; One-quarter of women do not contribute to company-sponsored retirement plans at a high enough level to take advantage of the company&rsquo;s matching funds.<br /> &nbsp; <div style="font-size: 12px;"><span style="font-size: 10px;">Study by Hewitt Associates, human resources consulting firm, Lincolnshire, Illinois.<br /> </span><br /> <p>For more information about the special retirement needs of women or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.<br /> <br /> <span style="font-size: 10px;"><strong><i>Disclaimer: </i></strong><em>Bottom Line Secrets </em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.<br /> </span><br /> <strong><span style="font-size: 10px;">Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> </span></strong><a href="http://www.bottomlinesecrets.com/" target="_blank"><strong><span style="font-size: 10px;">www.BottomLineSecrets.com</span></strong></a></strong></p> <br /> </div>urn:uuid:b41d69f7-a2ba-4897-ad8c-0e1102f44e97 William &nbsp;Van Tassel, PhD American Automobile Association Small cars can be major money savers, trimming gas bills by 50% or more compared with full-size sedans and SUVs. However, small cars also tend to be riskier than larger vehicles, with fat...Tue, 12 Oct 2010 21:26:46 -0500<b> <p><b>William &nbsp;Van Tassel, PhD<br /> </b><i>American Automobile Association</i><i></i></p> <p>Small cars can be major money savers, trimming gas bills by 50% or more compared with full-size sedans and SUVs. However, small cars also tend to be riskier than larger vehicles, with fatality rates more than twice as high as those of gas guzzlers. To make small-car driving as safe as possible... </p> </b> <p><strong>Select the safest small car.</strong> When buying a car, look for... </p> <p><strong><i>Side-impact air bags.</i></strong> These greatly improve your odds of survival if your small car is hit on the side. <br /> <strong><i>Electronic stability control.</i></strong> This computerized safety system detects when your vehicle is skidding and helps you get the vehicle under control quickly. <br /> <strong><i>High scores in crash tests.</i></strong> Crash-test ratings from the National Highway Traffic Safety Administration (NHTSA) are available at <a href="http://ebls.bottomlinesecrets.com/a/hBMkwQ3B74VH6B8UuMeNLCU9Zfp/bls8" target="_blank">www.safercar.gov</a>. Ratings from the Insurance Institute for Highway Safety (IIHS) can be found at <a href="http://ebls.bottomlinesecrets.com/a/hBMkwQ3B74VH6B8UuMeNLCU9Zfp/bls9" target="_blank">www.iihs.org/ratings</a>. <br /> <strong><i>Bright color.</i></strong> Select a brightly colored car -- red and yellow are particularly visible. Avoid black, silver and gray. </p> <p><strong>Turn on your headlights during the day to increase visibility.</strong> If your car doesn&rsquo;t have daytime running lights (low-beam headlights that turn on when the car does), put on the headlights.</p> <p><strong>Wait a bit before entering intersections when the light turns green.</strong> A driver in a larger vehicle could be barreling through the other way trying to beat the red light.</p> <p><strong>Avoid driving in packs with larger vehicles.</strong> When possible, drop back or speed up slightly to create a bubble of open space around you. If a vehicle is tailgating you, look for an opportunity to pull aside and let it pass.</p> <p><strong>Think ahead.</strong> Consider in advance what you would do if a vehicle fails to notice you and pulls into your path. Preselect an "emergency escape," an open area into which you could safely maneuver. Wide shoulders usually make the best emergency escapes, so it&rsquo;s usually safest to drive in a lane adjacent to a shoulder.</p> <p><strong>Learn your car&rsquo;s capabilities.</strong> Your small car probably can stop and swerve more quickly than larger vehicles. That maneuverability can help you stay out of collisions if you know what your car is capable of before an emergency occurs. Take your small car to an empty parking lot, and practice hard stops and sharp swerves.<br /> <br /> </p> <p>For more information about safe-driving strategies for small-car owners&nbsp;or to request an auto, homeowners, life, or commercial insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong></strong></p> <p><strong><i>Disclaimer: </i></strong><em>Bottom Line Secrets </em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <p><strong><i>Bottom Line/Personal</i></strong> interviewed William Van Tassel, PhD, manager of driver training operations at AAA&rsquo;s national office in Heathrow, Florida. He is a member of the Transportation Research Board&rsquo;s Committee on Operative Regulation and Education and a sports car racer with the Sports Car Club of America.</p> <p>&nbsp;</p>urn:uuid:f063705a-1491-4df4-9a42-440f14513073Drop Collision Insurance On Older Cars J.D.&nbsp;Howard Insurance Consumer Advocate Network When your vehicle is worth less than 10 times what you pay each year to insure it, collision insurance is no longer a good deal. For additional savings, dr...Sun, 03 Oct 2010 21:58:19 -0500<div style="color: #0618aa; font-size: 28px; font-weight: bold;">Drop Collision Insurance On Older Cars</div> <br /> <div style="color: #0618aa; font-size: 16px; font-weight: bold;">J.D.&nbsp;Howard</div> <div style="font-style: italic; color: black; font-size: 14px; font-weight: normal;">Insurance Consumer Advocate Network</div> <br /> <div><br /> When your vehicle is worth less than 10 times what you pay each year to insure it, collision insurance is no longer a good deal. For additional savings, drop comprehensive insurance (covers damage caused to your vehicle by theft, vandalism, fire or any "act of God," such as flood or hurricane) at the same time. These two options may cost more than an older car is worth. Find your car&rsquo;s estimated value at the Kelley Blue Book Web site, <a href="http://ebls.bottomlinesecrets.com/a/hBMefewB74VH6B8UAfYNLCU9Zuj/bls9" style="color: #0000cc;" rel="nofollow" target="_blank">www.kbb.com</a>.<br /> </div> <div style="font-size: 12px;"><em><strong>Bottom Line/Personal</strong></em> interviewed J.D. Howard, executive director, Insurance Consumer Advocate Network, Branson West, Missouri.</div> <br /> <p style="text-align: left;">For more information about&nbsp; ways to save on your insurance coverage or to request an auto, homeowners or life&nbsp;insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.<br /> <br /> <strong><i>Disclaimer: </i></strong><em>Bottom Line Secrets </em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.<br /> <br /> <b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a><br /> </b></strong></p>urn:uuid:39a26f7b-7feb-4cf8-b0ba-f3c1fe6fd587William &nbsp;Van Tassel, PhD American Automobile Association Tragically, runaway vehicles have been in the news in recent months, as a series of crashes caused by stuck accelerator pedals has led to several deaths in the US and to the recall of mi...Sat, 02 Oct 2010 21:00:40 -0500<div style="color: #0618aa; font-size: 16px; font-weight: bold;">William &nbsp;Van Tassel, PhD</div> <div style="font-style: italic; color: black; font-size: 14px; font-weight: normal;">American Automobile Association</div> <br /> <div><br /> Tragically, runaway vehicles have been in the news in recent months, as a series of crashes caused by stuck accelerator pedals has led to several deaths in the US and to the recall of millions of vehicles. <br /> Runaway vehicles are relatively rare, but they are possible with any vehicle make and model. They may occur because parts fail or wear out, especially if vehicles are not properly maintained. <br /> If you find yourself behind the wheel of a runaway car, you must act quickly and wisely to avoid a crash. The two most common reactions are to immediately slam on the brakes or repeatedly pump the brakes, but these measures could be ineffective or even detrimental. <br /> The proper response to a runaway vehicle depends on why the vehicle has gone out of control. </div> <p style="text-align: center; text-transform: uppercase; color: #0618aa; font-size: 14px; font-weight: bold;">Unintended acceleration</p> <div><br /> Your foot is off the accelerator, yet your speed continues to climb. You hear the engine working harder and feel pushed back into your seat. <br /> <strong>1. Shift into neutral.</strong> This is easy to accomplish with a manual transmission, but it might be a little tricky with certain automatic transmissions. All automatic transmissions allow drivers to shift from drive to neutral while moving (and you don&rsquo;t need to depress the brake as you do this). But some automatic transmission shift mechanisms have "gates," or grooves in the gearshift box designed to help drivers access special transmission modes, such as upshifting and downshifting. Unfortunately, these gates can make it more challenging to locate neutral in an emergency. If your vehicle has an automatic transmission, practice shifting into neutral with the car parked and running so that you&rsquo;ll be familiar with how it feels in an emergency. <br /> Shifting to neutral disengages the engine from the transmission, preventing further acceleration, but does not slow the engine itself. Even with the car in neutral, you likely will continue to hear the engine revving. <br /> <em><strong>Warning:</strong></em> Some news reports have suggested turning the key in the ignition of a runaway vehicle to the "off" position if finding neutral proves difficult. (Note that this is not an option in vehicles equipped with keyless start/stop systems.) Do this only as a last resort and only after several attempts to shift into neutral have failed. Turning the ignition off will rob most vehicles of their power steering and much of their braking power. Under no circumstances should you ever remove the key from the ignition while the vehicle is in motion, because this locks the steering wheel. <br /> <strong>2. Step on the brake pedal as hard as you can.</strong> Do this while you are putting the car into neutral -- or as soon as you can after putting the car into neutral. Put all of your weight into it, and keep your weight on the brake. The braking systems of modern vehicles depend on a vacuum created by the engine to generate much of their stopping power. This vacuum largely disappears when the accelerator is stuck and the engine is revving, which means extra force may be required from the driver. Do not pump the brakes. Pumping will not enable you to build up the vacuum you need to slow the car. <br /> <strong>3. If the first two steps bring no signs of slowing the vehicle,</strong> try to work your toe under the accelerator pedal and lift it up. <br /> <strong>4. If you are unable to stop the car</strong> after trying the first three steps and are faced with a dangerous situation (such as heavy traffic or a busy intersection), gently guide the side of your vehicle up against a guardrail or other barrier that runs along the side of the road. The friction should slow down your vehicle. Your car will sustain considerable damage, but that&rsquo;s better than plowing headlong into something at full speed. <br /> Many people ask about using the parking brake (once commonly known as the emergency brake). It is not recommended in this situation, because this brake is weaker and more difficult to control than a standard braking system. <br /> <strong>5. No matter what method stopped your vehicle,</strong> do not attempt to drive it afterward. Turn off the ignition, then call a tow truck. </div> <p style="text-align: center; text-transform: uppercase; color: #0618aa; font-size: 14px; font-weight: bold;">Brake failure</p> <div><br /> You step on the brakes, but your vehicle does not slow or slows less rapidly than usual... and the resistance of the brake pedal feels either much harder or softer than normal under your foot. Brake failure typically is caused by either a hydraulic fluid leak in the brake line or by badly worn brake pads. (If your vehicle has been recalled because of brake failure problems, check to see whether brake failure instructions have been issued for your specific vehicle.) <br /> <strong>1. Tap the brakes a few times.</strong> In the case of brake failure, tapping the brake pedal could build up any hydraulic pressure that remains in the vehicle&rsquo;s hydraulic line, increasing the brakes&rsquo; stopping power. Even drivers with vehicles that have antilock brakes should tap a few times. <br /> <strong>2. Engage the parking brake as slowly and gently as circumstances permit.</strong> If tapping the brakes does not bring the vehicle to a halt, the parking brake is your best bet. Engaging this brake slowly reduces the odds that the vehicle will go into a difficult-to-control skid. If you don&rsquo;t engage your parking brake often, practice reaching for it while the car is parked so that you can familiarize yourself with its position. <br /> <strong>3. If it appears that you won&rsquo;t be able to stop before colliding with another car</strong> or running off the road in a curve, gently guide the side of your car up against a guardrail or other barrier that runs along the side of the roadway. <br /> <strong>4. Attempt to coast to a stop on the shoulder</strong> or some other safe spot. Then call a tow truck. </div> <p style="text-align: center; text-transform: uppercase; color: #0618aa; font-size: 14px; font-weight: bold;">Tire Blow-Out</p> <div><br /> You feel a jolt and hear a loud noise ... and instantly your vehicle becomes difficult to handle. This often indicates that a tire has blown out. <br /> <strong>1. Grip the steering wheel firmly with both hands.</strong> It usually will take some effort to keep your car in its lane. <br /> <strong>2. Lift your foot off the gas.</strong> Resist the urge to brake unless you are in a situation where you absolutely must stop quickly. If a tire has blown out, braking is likely to make your vehicle very difficult to control. It could even put the vehicle into a dangerous skid. <br /> <strong>3. Gently apply the brakes only when you think you have the vehicle largely back under control,</strong> when there is no longer a sensation of skidding or zigzagging. <br /> <strong>4. Guide the vehicle onto the shoulder or some other safe spot,</strong> then change the tire or call for help. </div> <p style="text-align: center; text-transform: uppercase; color: #0618aa; font-size: 14px; font-weight: bold;">Headlight failure</p> <div style="text-align: left;"><br /> You&rsquo;re driving at night when suddenly everything goes dark. Headlight failure could be caused by an electrical problem or simply a burned-out bulb. <br /> <strong>1. Turn on your high beams.</strong> The high beams usually are on a different circuit than the regular headlights and may work even when the regular ones fail. <br /> <strong>2. Turn on your parking and/or hazard lights</strong> (which are on a different circuit than the headlights in most vehicles). If the high beams don&rsquo;t work, the parking and hazard lights can provide at least enough illumination for you to see the road immediately ahead and to help other drivers see you. <br /> <strong>3. Slow your vehicle and come to a stop in a safe spot,</strong> such as the shoulder, as soon as possible. Turn on your hazard lights (if they are not already on), then turn off the ignition and call for help.<br /> <br /> <p>For more information about the&nbsp;proper response to a runaway vehicle or to request a life,&nbsp;auto, or homeowners insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><b> </b>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong></strong></p> <p><strong><i>Disclaimer:&nbsp; </i></strong><em>Bottom Line Secrets </em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <b>Reprinted with the permission of:<br /> Bottom Line Publications<br /> Boardroom Inc.<br /> 281 Tresser Blvd., 8th Floor<br /> Stamford, CT 06901<br /> <a href="http://www.bottomlinesecrets.com/" target="_blank">www.BottomLineSecrets.com</a><br /> </b><br /> </div> <div style="font-size: 12px;"><em><strong>Bottom Line/Personal</strong></em> interviewed William Van Tassel, PhD, manager of driver training operations at AAA&rsquo;s national office in Heathrow, Florida. He is a member of the Transportation Research Board&rsquo;s Committee on Operative Regulation and Education and a sports car racer with the Sports Car Club of America. </div>urn:uuid:f07a0d54-01d1-4193-8cf7-03504e899403Distracted Driving Each day, more than 16 people are killed and more than 1,300 people are injured in crashes involving a distracted driver.1 Distracted driving is driving while doing another activity that takes your attention away from driving; thes...Fri, 01 Oct 2010 09:46:24 -0500<h1>Distracted Driving</h1> <p>Each day, more than 16 people are killed and more than 1,300 people are injured in crashes involving a distracted driver.¹ Distracted driving is driving while doing another activity that takes your attention away from driving; these activities can increase the chance of a motor vehicle crash. </p> <p>There are three main types of distraction: </p> <ul> <li>Visual&mdash;taking your eyes off the road;</li> <li>Manual&mdash;taking your hands off the wheel; and</li> <li>Cognitive&mdash;taking your mind off what you are doing.¹ </li> </ul> <p>Distracted driving activities include things like using a cell phone, texting, eating, drinking, and talking with passengers. Using in-vehicle technologies (such as navigation systems) and portable communication devices can also be sources of distraction. While any of these distractions can endanger the driver and others, texting while driving is especially dangerous because it combines all three types of distraction.¹ </p> <h2>How big is the problem? </h2> <ul> <li>In 2008, nearly 6,000 people died in crashes involving a distracted driver and more than 500,000 people were injured.¹ </li> <li>The proportion of drivers reportedly distracted at the time of a fatal crash has increased from 8 percent in 2004 to 11 percent in 2008.¹ </li> <li>When asked whether driving feels safer, less safe, or about the same as it did five years ago, more than 1 in 3 drivers say driving feels less safe today. Distracted driving&mdash;cited by 3 out of 10 of these drivers&mdash;was the single most common reason given for feeling less safe today.² &nbsp;</li> </ul> <h2>What are the risk factors?</h2> <ul> <li>Some activities&mdash;such as texting&mdash;take the driver&rsquo;s attention away from driving more frequently and for longer periods than other distractions.³ &nbsp;</li> <li>Younger, inexperienced drivers under the age of 20 may be at highest risk because they have the highest proportion of distraction-related fatal crashes.³ </li> </ul> <h2>How can distracted driving be prevented? </h2> <ul> <li>Many states are enacting laws&mdash;such as banning texting while driving&mdash;or using graduated driver licensing systems for teen drivers to help raise awareness about the dangers of distracted driving and to keep it from occurring.³ </li> <li>On October 1, 2009, President Obama issued an executive order prohibiting federal employees from texting while driving on government business or with government equipment.³ </li> <li>In January 2010, the Federal Motor Carrier Safety Administration enacted an interim ban that prohibits commercial vehicle drivers from texting while behind the wheel. In March 2010, a proposed rule was announced that would make that ban stronger and more durable.³ </li> <li>The Department of Transportation recently launched a national campaign to encourage the public to get involved in ending distracted driving. <a href="http://www.distraction.gov/get-involved" class="external">Put It Down</a> focuses on the key messages that drivers can&rsquo;t do two things at once, and everyone has a personal responsibility to pay attention while behind the wheel.³ </li> </ul> <p>For more information about distracted driving&nbsp;or to request an auto,homeowners or life&nbsp;insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><strong> </strong>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong></strong></p> <p><i><strong>Disclaimer:&nbsp;</strong></i><em><a href="http://www.timhamiltoninsurance.net"><em><strong>Hamilton Insurance&nbsp;Group</strong></em></a>&nbsp;</em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.</p> <h2>Resources for More Information</h2> <ul> <li><a href="http://www.dot.gov" class="external">U.S. Department of Transportation</a></li> <li><a href="http://www.distraction.gov" class="external">Official U.S. Government Website for Distracted Driving</a></li> <li><a href="http://www.distraction.gov/get-involved/" class="external">Put It Down Campaign</a></li> </ul> <h2>References</h2> <ol> <li>National Highway Traffic Safety Administration. Statistics and Facts about Distracted Driving. Based on the 2008 National Occupant Protection Use Survey [online]. [Cited 2008 June 2&ndash;22]. Available from URL: <a href="http://www.distraction.gov/stats-and-facts/#what" class="external">http://www.distraction.gov/stats-and-facts/#what</a> </li> <li>AAA Foundation for Traffic Safety. 2009 Traffic Safety Culture Index. [Cited 2009 July]. Available from URL: <a href="http://www.aaafoundation.org/pdf/2009TSCIndexFinalReport.pdf" class="external">http://www.aaafoundation.org/pdf/2009TSCIndexFinalReport.pdf</a></li> <li>National Highway Traffic Safety Administration. Policy Statement and Compiled Facts on Distracted Driving. [Online]. Available from URL: <a href="http://nhtsa.gov/Driving+Safety/Distracted+Driving/Policy+Statement+and+Compiled+FAQs+on+Distracted+Driving" class="external">http://nhtsa.gov/</a></li> </ol>urn:uuid:986a94bf-136e-4113-9fa2-5a9dbe85310cMake Copies of Key Documents Before You Travel... Pauline &nbsp;Frommer Pauline Frommer's Travel Guides Make copies of key documents before you travel. Before leaving home, make two copies of your driver&rsquo;s license, medical insurance cards, b...Sun, 26 Sep 2010 19:57:58 -0500<div style="color: #0618aa; font-size: 28px; font-weight: bold;">Make Copies of Key Documents Before You Travel...</div> <br /> <div style="color: #0618aa; font-size: 16px; font-weight: bold;">Pauline &nbsp;Frommer</div> <div style="font-style: italic; color: black; font-size: 14px; font-weight: normal;">Pauline Frommer's Travel Guides</div> <br /> <br /> Make copies of key documents before you travel. Before leaving home, make two copies of your driver&rsquo;s license, medical insurance cards, bank and credit cards, proof of travel insurance and your passport if traveling abroad. Take one set of copies with you, keeping them separate from the originals and your wallet. Leave another set at home with a family member or friend who can provide them if needed. You can also scan and e-mail a copy of the information to yourself.<br /> <br /> <div style="font-size: 12px;"><em><strong>Bottom Line/Retirement</strong></em> interviewed Pauline Frommer, creator of <em>Pauline Frommer&rsquo;s Travel Guides</em>, <a href="http://ebls.bottomlinesecrets.com/a/hBMcL1AB74VH6B8TJzqNLCU9Zt0/bls7" rel="nofollow" target="_blank">www.frommers.com/pauline</a>.<br /> <br /> <p>For more information about the above article or to request a life,&nbsp;auto, homeowners or commercial&nbsp;insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <b>(859) 276-1234</b><strong> </strong>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong></p> <p><strong></strong></p> <strong><i>Disclaimer: </i></strong><em>Bottom Line Secrets </em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.<br /> <br /> &nbsp;<br /> <br /> <br /> </div>urn:uuid:53e4522e-12ac-4d1c-a572-6947b7c6ef2bBeginning in 2012, the new healthcare law requires Form 1099s for every business-to-business transaction on virtually all non-credit card purchases for goods and services totaling at least $600. Both Nationwide and the Hamilton Insurance Group (HIG)&...Thu, 23 Sep 2010 21:19:54 -0500Beginning in 2012, the new healthcare law requires Form 1099s for every business-to-business transaction on virtually all non-credit card purchases for goods and services totaling at least $600. Both Nationwide and the Hamilton Insurance Group (HIG)&nbsp;strongly support repealing this expensive new tax information reporting requirement as it will result in costly new procedures and reporting burdens for all businesses. Nationwide engaged roughly 34,000 associates and 14,000 agents encouraging them to contact their U.S. Senators to support an amendment to repeal the new Form 1099 reporting requirements. Unfortunately, the U.S. Senate failed to advance the amendment by a vote of 46-52. Nationwide and HIG&nbsp;will continue to work with Congress for a legislative solution.urn:uuid:c05fd351-a34f-45e8-8fc5-c0af4b153bc5Estate Planning Time Bombs &nbsp; Martin M.&nbsp;Shenkman, Esq., CPA &nbsp; When reviewing your estate plan, watch out for common traps that can ruin your legacy... Trap: Lost or obsolete beneficiary designations. Among your most critical estate-pl...Sat, 18 Sep 2010 13:12:06 -0500<p><b><span style="font-family: times; color: #0618aa; font-size: 21pt;">Estate Planning Time Bombs</span></b></p> <p>&nbsp;</p> <p><b><span style="font-family: arial; color: #0618aa;">Martin M.&nbsp;Shenkman, Esq., CPA</span></b></p> <p>&nbsp;</p> <p><span style="font-family: arial; font-size: 10.5pt;"><br /> </span><b><span style="font-family: times; color: #0618aa; font-size: 42pt;">W</span></b><span style="font-family: arial; font-size: 10.5pt;">hen reviewing your estate plan, watch out for common traps that can ruin your legacy... <br /> <em><b><span style="font-family: arial;">Trap:</span></b></em><strong><span style="font-family: arial;"> Lost or obsolete beneficiary designations.</span></strong> Among your most critical estate-planning documents are the beneficiary designations you have filed for employer-provided retirement plans, IRAs, life insurance policies and investment accounts. <br /> And yet these are also among the most likely of your documents to be lost or out-of-date. <em><span style="font-family: arial;">Examples...</span></em> </span></p> <p><span style="font-family: arial; font-size: 10.5pt;">IRA beneficiary designations filed years ago with banks and brokerages that have since gone through mergers and reorganizations often are simply <em><span style="font-family: arial;">lost</span></em>. In that case, when you die, your IRA will be distributed according to state law by a "default" method that&rsquo;s probably contrary to your intent. It may even result in a big tax bill that could have been avoided.</span></p> <p><span style="font-family: arial; font-size: 10.5pt;">Any beneficiary designation you made years ago could now be obsolete due to changes in your family circumstances -- such as divorce, remarriage, death of a family member, birth of a child or simply a change in the financial needs of family members.</span></p> <p><span style="font-family: arial; font-size: 10.5pt;"><br /> Obsolete beneficiary designations could send funds to the wrong person -- even to a former spouse or a family member from whom you now are alienated. <br /> <em><b><span style="font-family: arial;">What to do:</span></b></em> Check all of your beneficiary designations, and update them where appropriate. Do this once a year. Keep copies of them with your will and other estate-planning documents. <br /> <em><b><span style="font-family: arial;">Trap:</span></b></em><strong><span style="font-family: arial;"> Inadequate life insurance.</span></strong> You need enough insurance to cover your family&rsquo;s financial obligations after your death. <br /> <em><b><span style="font-family: arial;">What to do:</span></b></em> Update your coverage when your family&rsquo;s needs change. <br /> <em><b><span style="font-family: arial;">Examples:</span></b></em> To cover future mortgage payments after buying a property... for children&rsquo;s schooling. <br /> If you own a private business, you may have extra insurance needs -- such as to help the business survive until it can be sold. If you have a buyout agreement with your partners, insurance can be used to fund the purchase of company stock. <br /> <em><b><span style="font-family: arial;">Opportunity</span></b></em><em><b><span style="font-family: arial;">:</span></b></em> Life insurance costs have fallen in recent years -- so while improving your coverage, you may actually reduce your premiums. <br /> <em><b><span style="font-family: arial;">Trap:</span></b></em><strong><span style="font-family: arial;"> An old will and planning documents.</span></strong> If your estate-planning documents are three years old or older, they probably contain costly mistakes. <br /> <em><b><span style="font-family: arial;">Beware:</span></b></em> The federal estate tax law has been changing year by year. Many states are changing their own estate tax laws as the federal law changes. Nontax laws affecting inheritances frequently change. <br /> <em><b><span style="font-family: arial;">What to do:</span></b></em> Review your estate-planning documents with an expert at least every third year -- or sooner if your situation changes. <br /> <em><b><span style="font-family: arial;">Trap:</span></b></em><strong><span style="font-family: arial;"> Long-term-care exposure.</span></strong> Most people greatly underestimate the risk that they will need long-term nursing care. They especially underestimate it during their working years, while they are still relatively young, when need for care may result from a disabling injury or illness. <br /> <em><b><span style="font-family: arial;">Danger:</span></b></em> Nursing care can cost $10,000 a month or more and wipe out a family&rsquo;s lifetime savings, leaving nothing for heirs. <br /> <em><b><span style="font-family: arial;">Safety:</span></b></em> If you&rsquo;re still working, ask your employer whether long-term-care insurance is available as a benefit and whether you can maintain the coverage after you leave the company. If coverage isn&rsquo;t available through an employer -- and to cover exposure during retirement years -- consider buying your own long-term-care policy. <br /> <em><b><span style="font-family: arial;">Trap:</span></b></em><strong><span style="font-family: arial;"> Disability exposure.</span></strong> During your working years, you are more likely to become disabled than to die -- yet far more people lack disability insurance than life insurance. <br /> <em><b><span style="font-family: arial;">Safety:</span></b></em> Check to see if disability insurance protection is provided by your employer. If not, or if it&rsquo;s inadequate, consider buying a policy. <br /> <em><b><span style="font-family: arial;">Trap:</span></b></em><strong><span style="font-family: arial;"> Lawsuit exposure.</span></strong> A lawsuit brought against one family member could reach the entire family&rsquo;s assets. <em><span style="font-family: arial;">Risks and what to do about them...</span></em> </span></p> <p><span style="font-family: arial; font-size: 10.5pt;">When one spouse owns a business or is in a profession that could generate business or malpractice liability, a plaintiff&rsquo;s claim for damages could reach personally owned assets.</span></p> <p><span style="font-family: arial; font-size: 10.5pt;"><br /> <em><b><span style="font-family: arial;">Safety:</span></b></em> Organize a business as a corporation or limited liability company to limit personal liability for claims against it... buy business liability and malpractice insurance... have the spouse with less risk for a lawsuit own personal assets. You will need professional help to set all this up. </span></p> <p><span style="font-family: arial; font-size: 10.5pt;">If you have a home office, injuries to a business visitor may not be covered by your homeowner&rsquo;s insurance policy.</span></p> <p><span style="font-family: arial; font-size: 10.5pt;"><br /> <em><b><span style="font-family: arial;">Safety:</span></b></em> Buy an insurance rider protecting the office. </span></p> <p><span style="font-family: arial; font-size: 10.5pt;">Lawsuit claims are becoming so large today that even common claims from auto and slip-and-fall accidents may exceed standard auto and homeowner&rsquo;s insurance coverage limits.</span></p> <p><span style="font-family: arial; font-size: 10.5pt;"><br /> <em><b><span style="font-family: arial;">Safety:</span></b></em> Buy at least $1 million of additional "umbrella" liability insurance (also called personal excess liability) against auto and homeowner claims. It may cost only a few hundred dollars a year. If your estate is worth more, increase the coverage. <br /> <br /> For more information about the&nbsp;above article&nbsp;or to schedule an On Your Side review&nbsp;to discuss solutions to&nbsp;your&nbsp;potential estate planning time bombs in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <strong>(859) 276-1234 </strong>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong><br /> <br /> </span></p> <p><strong><i><span style="font-family: arial; font-size: 9pt;">Bottom Line/Wealth</span></i></strong><span style="font-family: arial; font-size: 9pt;"> interviewed Martin M. Shenkman, Esq., CPA, a New York City attorney who specializes in trusts and estates, <a href="http://ebls.bottomlinesecrets.com/a/hBMYjyyB74VH6B8R3srNLCU9ZWn/bls6" target="_blank"><span style="color: #0066cc;" class="yshortcuts">www.LawEasy.com</span></a>. He is author of 34 books, including <a href="http://ebls.bottomlinesecrets.com/a/hBMYjyyB74VH6B8R3srNLCU9ZWn/bls2" target="_blank"><em><span style="font-family: arial; color: #0066cc;">The Complete Book of Trusts</span></em></a> (Wiley).<br /> <br /> <em><strong>Disclaimer: </strong>Bottom Line Secrets </em>publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.<br /> <br /> <br /> </span></p>urn:uuid:592aae35-4bfb-4500-85ac-ff4f6127248dWhen estate planning issues hit the news, you nearly fall asleep reading what is often a pretty tame case or legal proposal. However, every so often a case pops up that leaves me scratching my head, wondering what the deceased must have been thinkin...Sun, 12 Sep 2010 22:29:34 -0500When estate planning issues hit the news, you nearly fall asleep reading what is often a pretty tame case or legal proposal. <br /> However, every so often a case pops up that leaves me scratching my head, wondering what the deceased must have been thinking when he or she wrote instructions that cut out children in favor of pets.&nbsp; To learn more <a href="/img/~www.TimHamiltonInsurance.com/Daily_Plan-It-V12I16-230[1].pdf">click here</a>.<br /> <br />urn:uuid:b8c94078-42bc-40f5-87a6-144f3f10e207Driving after dark is the single most-dangerous risk a teenage driver can take and is more likely to result in death than drinking, speeding or disregarding a seat belt, according to a national 10-year study of highway fatalities released Thursday.&n...Sat, 04 Sep 2010 11:44:20 -0500<p style="text-align: left;">Driving after dark is the single most-dangerous risk a teenage driver can take and is more likely to result in death than drinking, speeding or disregarding a seat belt, according to a national 10-year study of highway fatalities released Thursday.&nbsp; <br /> <br /> "Everything points in the same direction for this age group, and that is to the use of cellphones behind the wheel," said Bernie Fette, one of the study's authors.&nbsp; "Whenever you combine the nighttime danger and the cellphone danger with inexperience, you have created a perfect storm.<br /> <br /> "That "perfect storm" took the life of Cady Anne Reynolds, a high school sophomore whose summer vacation had just begun in Omaha three years ago.&nbsp; Reynolds, 16, was driving home from a movie when her car was hit broadside by a vehicle driven by another 16-year-old who sped through a red light at 11 p.m.&nbsp; "She almost hit two other cars before she hit our daughter," her mother, Shari Reynolds, said Wednesday.&nbsp; "She clearly was distracted by something, and she hit our daughter at 50 miles per hour without ever touching the brake.<br /> <br /> "The report, conducted by the Texas Transportation Institute, used federal traffic fatality data from 1999 to 2008, a period <br /> in which the number of traffic deaths declined nationwide.&nbsp; Safer cars, safer highways, seat-belt laws and drunken-driving enforcement have been linked to the drop in fatalities -- all factors in darkness and daylight alike.&nbsp; <br /> <br /> So why didn't nighttime traffic deaths drop, too?&nbsp; Among drivers 20 and older, alcohol was a clear culprit in the proportional increase in nighttime deaths.&nbsp; Not so with teenagers, among whom there was a greater increase but no corresponding jump in deaths that could be attributed to drunken driving.&nbsp; "We have a test to see whether someone's been drinking, but there is no test to see whether you've been on your cellphone," Fette said.&nbsp; "Because teenagers have grown up with these devices in their hands, they feel a comfort level and a very false sense of security.&nbsp; They will tell you, 'I can text with my phone still in my pocket, so I certainly can text while I'm driving.' <br /> <br /> "The report adds to data amassed by U.S. Transportation Secretary Ray LaHood, who has crusaded for more than a year about the dangers of texting and cellphone use.&nbsp; "A quarter of all teens admit to texting behind the wheel and, in 2008, the highest proportion of distracted drivers in fatal crashes were under the age of 20," LaHood said.&nbsp; "Teen drivers are some of the most vulnerable drivers on the road due to inexperience, and adding cellphones to the mix only compounds the dangers.&nbsp; We're doing everything possible to get the message out to teens that driving while talking or texting on a cellphone is not worth the risk.<br /> <br /> "In addition to dismissing the dangers of cellphone use, Fette said, few teenagers are aware that nightfall magnifies the risk posed by their inexperience and fatigue.&nbsp; "More than 80 percent of teens can name alcohol as a driving risk," Fette said, "but only 3 percent are aware that driving at night is dangerous.&nbsp; "The report cites research from the National Sleep Foundation that says the average teen needs nine hours of sleep but gets seven.&nbsp; "The resulting fatigue, especially late at night, can contribute to impairment that is similar to being intoxicated," the Texas Transportation Institute report says.&nbsp; <br /> <br /> Data compiled by the National Highway Traffic Safety Administration show that the crash rate per mile driven for 16-year-olds is almost 10 times the rate for drivers 30 to 59.&nbsp; NHTSA research has also shown that teens killed at night are less likely to be wearing seat belts. <br /> <br /> About 6,000 teenagers die in car crashes each year.&nbsp; The Texas research indicates that nighttime driving was the No. 1 risk for fatalities among teenage drivers, followed by speed, distractions, failure to wear a seat belt and alcohol use.&nbsp; Maryland, Virginia and the District have graduated licensing laws that limit driving privileges until teenagers gain experience, as do most states.&nbsp; The laws restrict hours for nighttime driving and the number of passengers that a teen can have in the car.&nbsp; "If you add one kid in a car [driven by a teenager], you double the risk of crash," Fette said.&nbsp; "With two kids, you triple it, and with three kids, it goes up by a factor of six.&nbsp; <br /> <br /> "All of those factors -- darkness, speed, alcohol, inexperience, lack of seat belts and distractions -- contributed a spate of fatal teen crashes in the Washington region to Fette's database.&nbsp; Seventeen teenagers died on area roads within a four-month period in 2004.&nbsp; Speeding was a factor in eight of the crashes, failure to wear a seat belt was a factor in seven, alcohol was involved in at least two, one vehicle carried six passengers and inexperience was cited in five cases.&nbsp; Thirteen of the accidents happened after dark.&nbsp; <br /> <br /> Since their daughter died, Shari and Rob Reynolds have campaigned for laws to counteract distracted driving.&nbsp; Rob Reynolds is a founding member of FocusDriven, a group patterned after Mothers Against Drunk Driving that wants to ban cellphone use behind the wheel.&nbsp; "We're fully aware of the problem of nighttime driving," Shari Reynolds said.&nbsp; "When teens are in a group, they exhibit more risky behavior.&nbsp; Being with their friends, feeling the freedom, maybe being out a little late, and the adrenaline starts pumping."&nbsp; </p> <p>&copy; 2010 The Washington Post Company</p> For more information about the great&nbsp;danger of&nbsp;nighttime driving for teens or to request a life,&nbsp;auto, or homeowners insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <strong>(859) 276-1234 </strong>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong><br /> <br />urn:uuid:711a1c7c-39a8-4e13-b5e0-263c33d8c0c0Protect Your Landscape Investment One of the more common complaints heard from insureds after a major property loss is a lack of homeowners coverage for valuable trees and landscaping. Most homeowners policies provide only limited coverage (with rest...Wed, 01 Sep 2010 21:51:41 -0500<p style="text-align: center;"><strong>Protect Your Landscape Investment</strong></p> <p>One of the more common complaints heard from insureds after a major property loss is a lack of homeowners coverage for valuable trees and landscaping. Most homeowners policies provide only limited coverage (with restricted perils) for this loss exposure&mdash;usually 5 percent of the dwelling limit subject to a maximum of $500 per tree or shrub. Peril restrictions may also preclude coverage; for example, there is no landscaping coverage for a loss to landscape arising out of windstorm. Unfortunately, many trees, in particular, can be valued in the thousands or even tens of thousands of dollars. To protect this investment, consider the following risk management tips.</p> <ul> <li>If you have valuable mature trees, consider asking a licensed or certified arborist to appraise their value. Trained arborists use guidelines to value these trees, and such guidelines are recognized by insurance companies, the courts, and, in most cases, the Internal Revenue Service. </li> <li>Once you have the valuation, consider asking for an endorsement to provide higher limits and enhanced coverage for your valuable trees and other landscaping. </li> <li>Practice sound loss control for your trees. For example, topping of trees should be avoided. (Topping is the indiscriminate cutting of trees to stubs or lateral branches that are not large enough to sustain the remaining branch.) </li> <li>Hire a tree specialist to properly prune and thin out your mature trees. This action makes your trees less susceptible to disease and insects. For extremely valuable trees, consider hiring an arborist for this work. When selecting an arborist, check for his or her membership in professional organizations such as the International Society of Arboriculture (ISA), or the Tree Care Industry Association (TCIA). </li> <li>Recognize tree hazards to avoid injuries and damage to property. For examples, dead or dying trees are more likely to fall into utility lines, which could cause power outages, surges, and fires. Dead or dying trees are also likely to damage homes and could even injure people should they fall. Hiring a reputable tree specialist to remove dead or dying trees is a smart move. Get copies of the contractor's certificates of insurance for workers compensation and general liability before work begins. </li> </ul> <p>For more information about&nbsp;protecting your landscape investment&nbsp;or to request a life,&nbsp;auto, or homeowners insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at <strong>(859) 276-1234 </strong>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong><br /> <br /> </p> <p style="text-align: center;" class="TextAlignCenter">Copyright 2010</p> <p style="text-align: center;">Get more <a href="https://www.insurancewebsitebuilder.com/expert/topics/personallines/personalriskmanagement.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p style="text-align: center;" class="TextAlignCenter"><a href="http://www.irmi.com/">International Risk Management Institute, Inc.</a> </p>urn:uuid:c4261d2a-af80-4ad1-8743-c3ed37ee00bcHamilton Insurance Group&nbsp;has returned from Life University in Columbus OH.&nbsp;The award winning insurance&nbsp;agency was 1 of only 5% of Nationwide agencies to earn a spot at the elite conference. For more information about&nbsp;Life Univers...Mon, 23 Aug 2010 14:10:27 -0500Hamilton Insurance Group&nbsp;has returned from Life University in Columbus OH.&nbsp;The award winning insurance&nbsp;agency was 1 of only 5% of Nationwide agencies to earn a spot at the elite conference.<br /> <br /> For more information about&nbsp;Life University&nbsp;or to request a life,&nbsp;auto, or homeowners insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at<strong> (859) 276-1234 </strong>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong><br /> <br /> <strong>Hamilton Insurance Group,</strong> based in <strong>Lexington, KY,</strong> provides a full range of insurance products<strong> in Kentucky </strong>and<strong> Indiana,</strong> including auto, motorcycle, boat, homeowners, renters,&nbsp;life, &amp; commercial insurance, as well as fixed and index annuities.urn:uuid:e6d284da-dc45-4072-9aa6-1a419ef19bf0Take photos of the exterior, interior and trunk to document all visible damage and any missing items. If your camera allows you to add a date to each photo, make sure that you leave this function turned on and the date properly set. Documenting damag...Sun, 22 Aug 2010 19:47:05 -0500Take photos of the exterior, interior and trunk to document all visible damage and any missing items. If your camera allows you to add a date to each photo, make sure that you leave this function turned on and the date properly set. Documenting damage will ensure that you are not liable for anything that you did not cause. <div style="font-size: 12px;"><em><strong>Bottom Line/Personal</strong></em> interviewed Nancy Dunnan, editor, <em>TravelSmartNewsletter</em>, 800-FARE-OFF, <a href="http://ebls.bottomlinesecrets.com/a/hBMW6VMB74VH6B8RcKpNLCU9Zp3/bls11" rel="nofollow" target="_blank">www.travelsmartnewsletter.com</a>.<br /> <br /> <p>For more information about&nbsp;rental car coverage&nbsp;or to request an auto or homeowners insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at<strong> (859) 276-1234 </strong>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong><br /> <br /> <strong>Hamilton Insurance Group,</strong> based in <strong>Lexington, KY,</strong> provides a full range of insurance products<strong> in Kentucky </strong>and<strong> Indiana,</strong> including auto, motorcycle, boat, homeowners, renters,&nbsp;life, &amp; commercial insurance, as well as fixed and index annuities.</p> </div>urn:uuid:aafde10c-ce96-41f5-9579-0c6eb39fe17cTim &amp; his team, @ Hamilton Insurance Group, invite you to join Jay&nbsp;&amp; Friends "On the Course for Kids"&nbsp;presented by Nationwide Insurance, benefiting Home of the Innocents.&nbsp; Joining us on the course &amp; in concert will be... Ky...Thu, 12 Aug 2010 18:54:14 -0500Tim &amp; his team, @ <a href="http://www.timhamiltoninsurance.net">Hamilton Insurance Group</a>, invite you to join Jay&nbsp;&amp; Friends <a href="http://www.onthecourseforkids.com/">"On the Course for Kids"</a>&nbsp;presented by <a href="http://www.nationwide.com/timhamilton">Nationwide Insurance</a>, benefiting <a href="http://www.homeoftheinnocents.org">Home of the Innocents</a>.&nbsp; Joining us on the course &amp; in concert will be... Kyle Petty, Anna Nalick, Bucky Covington, Jon Wysocki, Greg Upchurch &amp; Jake Owen.&nbsp; For all the details, click&nbsp;<a href="http://www.onthecourseforkids.com/">here</a>.&nbsp; We appreciate your support.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br />urn:uuid:b04c9f1b-5ecc-48f6-8683-82fcecd77303The credit crisis has heightened interest in legislation addressing the use of credit in insurance rating and underwriting. House Financial Services (Fin. Serv.) Committee hearings on credit scoring were held in March and May 2010. The FTC continues ...Mon, 09 Aug 2010 21:15:40 -0500The credit crisis has heightened interest in legislation addressing the use of credit in insurance rating and underwriting. House Financial Services (Fin. Serv.) Committee hearings on credit scoring were held in March and May 2010. The FTC continues to study the use of credit in homeowners insurance.urn:uuid:fa509a16-a896-44c6-8b54-399f8d7cc006 House Passes National Flood Insurance Program Long-term Reauthorization The U.S. House of Representatives passed the Flood Insurance Reform Priorities Act of 2010, a long-term reauthorization and reform of the National Flood Insurance Program (NF...Wed, 04 Aug 2010 17:28:52 -0500<p dir="ltr"> </p> <dir><b> <p dir="ltr">House Passes National Flood Insurance Program Long-term Reauthorization</p> </b> <p dir="ltr">The U.S. House of Representatives passed the Flood Insurance Reform Priorities Act of 2010, a long-term reauthorization and reform of the National Flood Insurance Program (NFIP), extending the program through FY 2015. However, no Senate action is expected this year, which means the NFIP is still set to expire on September 30. The Hamilton Insurance Group and Nationwide Insurance&nbsp;is supportive of most of the provisions, except for an amendment that would essentially eliminate anti-concurrent causation clauses in homeowner policies or companies servicing NFIP flood policies in the Write Your Own (WYO) program.<br /> <br /> </p> <p>For more information about&nbsp;flood insurance&nbsp;or to request an auto, homeowners or flood&nbsp;insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at<strong> (859) 276-1234 </strong>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong><br /> <br /> <strong>Hamilton Insurance Group,</strong> based in <strong>Lexington, KY,</strong> provides a full range of insurance products<strong> in Kentucky </strong>and<strong> Indiana,</strong> including auto, motorcycle, boat, homeowners, renters,&nbsp;life, &amp; commercial insurance, as well as fixed and index annuities.</p> </dir>urn:uuid:6eb70e1e-edf0-475a-8d3a-0f3fd8b2dc29#1. The Family Farm Since the 1930's, the number of family farms has been declining. According to the USDA, 5.3 million farms dotted the nation in 1950, but this number had declined to 2.1 million by the 2003 farm census (data from the 2007 census ha...Mon, 26 Jul 2010 22:02:55 -0500#1. The Family Farm<br /> Since the 1930's, the number of family farms has been declining. According to the USDA, 5.3 million farms dotted the nation in 1950, but this number had declined to 2.1 million by the 2003 farm census (data from the 2007 census hasn't yet been published). Ninety-one percent of the U.S. Farms are small Family Farms. <br /> <br /> #2. Analog TV<br /> According to the Consumer Electronics Association, 85% of homes in the U.S. get their television programming through cable or satellite providers. For the remaining 15% -- or 13 million individuals - who are using rabbit ears or a large outdoor antenna, change is in the air. If you are one of these people you'll need to get a new TV or a converter box in order to get the new stations which will only be broadcast in digital.<br /> <br /> #3. News Magazines and TV News<br /> While the TV evening newscasts haven't gone anywhere over the last several decades, their audiences have. In 1984, in a story about the diminishing returns of the evening news, the New York Times reported that all three network evening news programs combined had only 40.9 million viewers. Fast forward to 2008, and what they have today is half that.<br /> &nbsp;<br /> #4. Honey Bees<br /> Perhaps nothing on our list of disappearing America is so dire; plummeting so enormously; and so necessary to the survival of our food supply as the honey bee. Very scary. 'Colony Collapse Disorder' or CCD, has spread throughout the U.S. and Europe over the past few years, wiping out 50% to 90% of the colonies of many beekeepers - and along with it, their livelihood and the pollination of our crops.<br /> &nbsp;<br /> #5. Mumps &amp; Measles<br /> Despite what's been in the news lately, the measles and mumps actually, truly are disappearing from the United States...In 1964, 212,000 cases of mumps were reported in the U.S. By 1983, this figure had dropped to 3,000, thanks to a vigorous vaccination program. Prior to the introduction of the measles vaccine, approximately half a million cases of measles were reported in the U.S. annually, resulting in 450 deaths. In 2005, only 66 cases were recorded.<br /> &nbsp;<br /> #6. Drive-in Theaters<br /> <br /> During the peak in 1958, there were more than 4,000 drive-in theaters in this country, but in 2007 only 405 drive-ins were still operating. Exactly zero new drive-ins have been built since 2005. Only one reopened in 2005 and five reopened in 2006, so there isn't much of a movement toward reviving the closed ones.<br /> &nbsp;<br /> #7. Personal Checks<br /> According to an American Bankers Assoc. report, a net 23% of consumers plan to decrease their use of checks over the next two years, while a net 14% plan to increase their use of PIN debit. Bill payment remains the last stronghold of paper-based payments - for the time being. Checks continue to be the most commonly used bill payment method, with 71% of consumers paying at least one recurring bill per month by writing a check. However, on a bill-by-bill basis, checks account for only 49% of consumers' recurring bill payments (down from 72% in 2001 and 60% in 2003).<br /> &nbsp;<br /> #8. Wild Horses<br /> It is estimated that 100 years ago, as many as two million horses were roaming free within the United States...In 2001, National Geographic News estimated that the wild horse population has decreased to about 50,000 head. Currently, the National Wild Horse and Burro Advisory Board states that there are 32,000 free roaming horses in ten Western states, with half of them residing in Nevada. The Bureau of Land Management is seeking to reduce the total number of free range horses to 27,000, possibly by selective euthanasia.<br /> &nbsp;<br /> #9. Hand-Written Letters<br /> In 2006, the Radicati Group estimated that, worldwide, 183 billion e-mails were sent each day. Two million each second. By November of 2007, an estimated 3.3 billion Earthlings owned cell phones, and 80% of the world's population had access to cell phone coverage. In 2004, half-a-trillion text messages were sent, and the number has no doubt increased exponentially since then. So where amongst this gorge of gabble is there room for the elegant, polite hand-written letter.<br /> &nbsp;<br /> #10. The Milkman<br /> According to the U.S. Department of Agriculture, in 1950, over half the milk delivered was to the home in quart bottles, by 1963, it was about a third and by 2001, it represented only 0.4%. Nowadays most milk is sold through supermarkets in gallon jugs. The steady decline in home-delivered milk is blamed, of course, on the rise of the supermarket, better home refrigeration and longer-lasting milk. Although some milkmen still make the rounds in pockets of the U.S., they are certainly a dying breed.<br /> &nbsp;<br /> #11. Stand-Alone Bowling Alleys<br /> Bowling balls. US claims there are still 60 million Americans who bowl at least once a year, but many are not bowling in stand-alone bowling alleys. Today most new bowling alleys are part of facilities for all types of recreation including laser tag, go-karts, bumper cars, video game arcades, climbing walls and glow miniature golf. Bowling lanes also have been added to many non-traditional venues such as adult communities, hotels and resorts, and gambling casinos. <br /> <br /> #12. Incandescent Bulbs<br /> Before a few years ago, the standard 60-watt (or, yikes, 100-watt) bulb was the mainstay of every U.S. home. With the green movement and all-things-sustainable-energy crowd, the Compact Fluorescent Light bulb (CFL) is largely replacing the older, Edison-era incandescent bulb. The EPA reports that 2007 sales for Energy Star CFLs nearly doubled from 2006, and these sales accounted for approximately 20 percent of the U.S. light bulb market. And according to U.S.A. Today, a new energy bill plans to phase out incandescent bulbs in the next four to 12 years. <br /> <br /> #13. Cameras That Use Film<br /> It doesn't require a statistician to prove the rapid disappearance of the film camera in America. Just look to companies like Nikon, the professional's choice for quality camera equipment. In 2006, it announced that it would stop making film cameras, pointing to the shrinking market - only 3% of its sales in 2005, compared to 75% of sales from digital cameras and equipment. <br /> <br /> #14. Answering Machines<br /> The increasing disappearance of answering machines is directly tied to No 20 on our list - the decline of landlines. According to USA Today, the number of homes that only use cell phones jumped 159% between 2004 and 2007. It has been particularly bad in New York; since 2000, landline usage has dropped 55%. It's logical that as cell phones rise, many of them replacing traditional landlines, that there will be fewer answering machines.<br /> &nbsp;<br /> #15. The Swimming Hole<br /> Thanks to our litigious society, swimming holes are becoming a thing of the past. '20/20' reports that swimming hole owners, like Robert Every in High Falls, NY, are shutting them down out of worry that if someone gets hurt they'll sue. The city of Bellingham was sued by Katie Hofstetter who was paralyzed in a fall at a popular swimming hole in Whatcom Park. As injuries occur and lawsuits follow, expect more swimming holes to post 'Keep Out!' signs.<br /> <br /> #16. Ham Radio<br /> Amateur radio operators enjoy personal (and often worldwide) wireless communications with each other and are able to support their communities with emergency and disaster communications if necessary, while increasing their personal knowledge of electronics and radio theory. However, proliferation of the Internet and its popularity among youth has caused the decline of amateur radio. In the past five years alone, the number of people holding active ham radio licenses has dropped by 50,000, even though Morse Code is no longer a requirement.<br /> &nbsp;<br /> #17. Ash Trees <br /> &nbsp;In the late 1990's, a pretty, iridescent green species of beetle, now known as the emerald ash borer, hitched a ride to North America with ash wood products imported from eastern Asia...In less than a decade, its larvae have killed millions of trees in the Midwest, and continue to spread. They've killed more than 30 million ash trees in southeastern Michigan alone, with tens of millions more lost in Ohio and Indiana. More than 7.5 billion ash trees are currently at risk.<br /> <br /> #18. VCR's<br /> For the better part of three decades, the VCR was the best-seller and staple in every American household until being completely decimated by the DVD, and now the Digital Video Recorder (DVR). In fact, the only remnants of the VHS age at your local Wal-Mart or Radio Shack are blank VHS tapes these days. Pre-recorded VHS tapes are largely gone and VHS decks are practically nowhere to be found. They served us so well...<br /> &nbsp;<br /> #19 Maryland Blue Crabs<br /> Maryland's icon, the blue crab, has been fading away in Chesapeake Bay. Last year Maryland saw the lowest harvest (22 million pounds) since 1945. Just four decades ago the bay produced 96 million pounds. The population is down 70% since 1990, when they first did a formal count. There are only about 120 million crabs in the bay and they think they need 200 million for a sustainable population. Over-fishing, pollution, invasive species, and global warming get the blame.<br /> &nbsp;<br /> #20. Phone Land Lines<br /> According to a survey from the National Center for Health Statistics, at the end of 2007, nearly one in six homes was cell-only and, of those homes that had land lines, one in eight only received calls on their cells.<br /> <br /> #21. Dial-Up Internet Access<br /> Dial-up connections have fallen from 40% in 2001 to 10% in 2008.The combination of infrastructure to accommodate affordable high speed Internet connections and the disappearing home phone have all but pounded the final nail in the coffin of dial-up Internet access.<br /> <br /> #22. Movie Rental Stores<br /> While Netflix is looking up at the moment, Blockbuster keeps closing store locations by the hundreds. It still has about 6,000 left across the world, but those keep dwindling and the stock is down considerably in 2008, especially since the company gave up a quest of Circuit City. Movie Gallery, which owned the Hollywood Video brand, closed up shop earlier this year. Countless small video chains and mom-and-pop stores have given up the ghost already.<br /> &nbsp;<br /> #23. Classified Ads<br /> The Internet has made so many things obsolete that newspaper classified ads might sound like just another trivial item on a long list. But this is one of those harbingers of the future that could signal the end of civilization as we know it. The argument is that if newspaper classifies are replaced by free on-line listings at sites like: Craigslist.org (to view Craigs List) newspapers are not far behind them.<br /> <br /> #24. Yellow Pages <br /> This year will be pivotal for the global Yellow Pages industry. Much like newspapers, print Yellow Pages will continue to bleed dollars to their various digital counterparts, from Internet Yellow Pages(IYPs), to local search engines and combination search/listing services like Reach Local and Yodel Factors like 20an acceleration of the print 'fade rate' and the looming recession will contribute to the onslaught. One research firm predicts the falloff in usage of newspapers and print Yellow Pages could even reach 10% this year - much higher than the 2%-3% fade rate seen in past years.<br /> &nbsp;<br /> #25. U.S. Post Office&nbsp;&nbsp; <br /> They are pricing themselves out of existence. With e-mail, and on-line services they are a relic of the past. (refer to #9). Packages are also sent faster and cheaper with UPS.<br /> <br /> Source:&nbsp; News from Effective Advertising Workshopsurn:uuid:aa66aefd-6b16-4b37-a256-31d444979023 National Flood Insurance Program Extended Congress reauthorized the National Flood Insurance Program (NFIP) through September 30, 2010, and President Obama signed it into law. The extension is retroactive to cover the lapse period from June 1, 2010...Fri, 16 Jul 2010 16:02:54 -0500<dir><b> <p style="text-align: center;" dir="ltr">National Flood Insurance Program Extended</p> </b> <p dir="ltr">Congress reauthorized the National Flood Insurance Program (NFIP) through September 30, 2010, and President Obama signed it into law. The extension is retroactive to cover the lapse period from June 1, 2010, to the date of enactment of the extension.<br /> <br /> </p> <p>For more information about&nbsp;flood insurance&nbsp;or to request an auto, homeowners or flood&nbsp;insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at<strong> (859) 276-1234 </strong>or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong><br /> <br /> <strong>Hamilton Insurance Group,</strong> based in <strong>Lexington, KY,</strong> provides a full range of insurance products<strong> in Kentucky </strong>and<strong> Indiana,</strong> including auto, motorcycle, boat, homeowners, renters,&nbsp;life, &amp; commercial insurance, as well as fixed and index annuities.</p> </dir>urn:uuid:4678c17d-1843-4641-9faf-f1bacce61f15Lower Your Auto Insurance Costs Automobile insurance premiums often take a big bite out of a family&rsquo;s budget. You may, however, be paying too much for this coverage. The following are several approaches you can use to reduce your auto insurance...Thu, 15 Jul 2010 22:04:54 -0500<p style="text-align: center;"><strong><span style="font-size: 16px;">Lower Your Auto Insurance Costs</span></strong></p> <p>Automobile insurance premiums often take a big bite out of a family&rsquo;s budget. You may, however, be paying too much for this coverage. The following are several approaches you can use to reduce your auto insurance costs.</p> <ul> <li> <p>Choose higher deductibles, particularly if you currently have a low collision or other-than-collision deductible, such as $100 or $250. Increasing your deductible from $250 to $500 or $1,000, for example, can reduce your collision and other-than-collision premium by 15 to 35 percent.</p> </li> <li> <p>Eliminate collision and other-than-collision coverage on older, less valuable cars. If your car is worth less than $1,500, it may be wiser and cheaper in the long run to just retain this physical damage exposure. Used car valuations are available online at <a href="http://www.kbb.com" target="_blank">Kelley Blue Book</a>.</p> </li> <li> <p>Maintain an excellent credit record, since insurance companies are increasingly using credit scores to price auto insurance policies. Consumers with poor credit often pay more for auto insurance. </p> </li> <li> <p>Buy a &ldquo;low-profile&rdquo; automobile. Before you purchase a new or used car, check into the auto insurance costs. Automobile models that are expensive to maintain and have higher theft and collision frequency rates tend to have higher insurance costs. </p> </li> <li> <p>Take advantage of multipolicy discounts by keeping your homeowners and auto policy with one insurer. Likewise, take advantage of multicar discounts by having all autos on one insurance policy.</p> </li> <li> <p>Seek out other auto insurance discounts (which can vary by state and by insurance company), such as defensive driving, good student, low-mileage auto, alcohol awareness training, air bags, antilock brakes, claim-free experience, and long-term customer.</p> </li> </ul> <p>For more information about ways to&nbsp;lower your auto insurance costs&nbsp;or to request an auto or&nbsp;homeowners insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at<strong> (859) 276-1234</strong>&nbsp;or go online at <a href="http://www.timhamiltoninsurance.net/" originalPath="http://www.timhamiltoninsurance.net/" originalAttribute="href"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton" originalPath="http://www.nationwide.com/timhamilton" originalAttribute="href"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong><br /> <br /> <strong>Hamilton Insurance Group,</strong> based in <strong>Lexington, KY,</strong> provides a full range of insurance products<strong> in Kentucky </strong>and<strong> Indiana,</strong> including auto, motorcycle, boat, homeowners, renters,&nbsp;life, &amp; commercial insurance, as well as fixed and index annuities.</p> <p style="text-align: center;"><span style="font-size: 13px;">Get more </span><a href="../../../../expert/topics/personallines/personalriskmanagement.aspx"><span style="font-size: 13px;">personal lines insurance and risk management</span></a><span style="font-size: 13px;"> tips and ideas from IRMI.</span></p> <p style="text-align: center;" class="TextAlignCenter"><span style="font-size: 13px;">Copyright 2010<br /> </span><a href="http://www.irmi.com/"><span style="font-size: 13px;">International Risk Management Institute, Inc.</span></a><span style="font-size: 13px;"> </span></p>urn:uuid:3030c259-96c4-4597-89c0-3642213bf515Kentucky Legal Climate Doug Alexander, reporting for the Partnership for Commonsense Justice, cites a new study that shows the Commonwealth's legal climate is among the worst in the nation. The business legal group notes that the U.S. Tort Liability...Mon, 12 Jul 2010 19:49:10 -0500<p>Kentucky Legal Climate </p> <p>Doug Alexander, reporting for the Partnership for Commonsense Justice, cites a new study that shows the Commonwealth's legal climate is among the worst in the nation. The business legal group notes that the U.S. Tort Liability Index: 2010 Report placed Kentucky 36th among the states. In March, the U.S. Chamber of Commerce's Institute for Legal Affairs ranked Kentucky 40th among the states in a similar survey of in-house corporate counsel who participate in the site-selection process. Low rankings in these reports can be a significant barrier to Kentucky's ability to create new jobs and investment. </p> Link to the complete U.S. Tort Liability Index: <a href="http://special.pacificresearch.org/pub/sab/entrep/2010/">http://special.pacificresearch.org/pub/sab/entrep/2010/</a><br />urn:uuid:3649d27c-46c9-45b3-9da0-2e53a7e9fcefReduce Your Exposure to Home Burglaries U.S. residences were burglarized more than 1.5 million times in 2008, according to the latest FBI studies. Nearly 65 percent of the thefts occur during the day because people are often not at home during the we...Tue, 29 Jun 2010 23:04:44 -0500<p style="text-align: center;">Reduce Your Exposure to Home Burglaries</p> <p>U.S. residences were burglarized more than 1.5 million times in 2008, according to the latest FBI studies. Nearly 65 percent of the thefts occur during the day because people are often not at home during the weekday. Proper home theft prevention ideas and techniques, however, can reduce the odds of a home burglary. Consider the following loss control techniques to reduce your chances of suffering a home burglary.</p> <ul> <li>Invest in a burglar alarm with a central monitoring station. Research indicates that homes without security systems are about three times more likely to be broken into than homes with security systems. If a burglar is aware that a home has an alarm, he or she is more likely to avoid that home. </li> <li>Property identification programs are another deterrent to burglary. Many of these programs involve the use of stickers on which your driver's license number is imprinted. These are then placed (and become permanently imprinted) on all valuable personal property, such as stereos, televisions, and computers. This makes it more difficult for burglars to fence or pawn the property. </li> <li>Safeguarding dwelling components such as doors and windows make it tougher for burglars to enter the home. Many home security experts recommend all exterior doors be 1 3/4-inch thick solid wood, metal, or composite material. Strike plates on door jams are typically installed with 1/2-inch screws; however, these should be replaced with 3-inch long screws so that locked doors cannot be kicked in easily. Doors should also have deadbolt locks, with at least a 1-inch throw and a reinforced strike plate with 3-inch screws. </li> <li>Exterior lights with a motion-sensing switch should be installed; timers on lights are also recommended. </li> <li>Keep your garage door secure and locked even while you are home. </li> </ul> <p>For more information about&nbsp;reducing your exposure to home burglaries&nbsp;or to request an auto or&nbsp;homeowners insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at<strong> (859) 276-1234</strong>&nbsp;or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong><br /> <br /> <strong>Hamilton Insurance Group,</strong> based in <strong>Lexington, KY,</strong> provides a full range of insurance products<strong> in Kentucky </strong>and<strong> Indiana,</strong> including auto, motorcycle, boat, homeowners, renters,&nbsp;life, &amp; commercial insurance, as well as fixed and index annuities.</p> <p style="text-align: center;">Get more <a href="../../../../expert/topics/personallines/personalriskmanagement.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p style="text-align: center;" class="TextAlignCenter">Copyright 2010<br /> <a href="http://www.irmi.com/">International Risk Management Institute, Inc.</a> </p>urn:uuid:0f35ae13-f583-40bc-8965-3f44891d38f4ServSafe Training &ndash; What is it all about? Grey Cobb Nationwide Insurance Senior Loss Control Representative - Mississippi &nbsp; ServSafe training is a nationally accepted program sponsored by the National Restaurant Association. The training...Mon, 28 Jun 2010 20:55:53 -0500<p style="text-align: center;">ServSafe Training &ndash; What is it all about?</p> <p style="text-align: center;">Grey Cobb</p> <p style="text-align: center;">Nationwide Insurance Senior Loss Control Representative - Mississippi</p> <p style="text-align: left;">&nbsp;</p> <p style="text-align: left;"> </p> <p style="text-align: left;">ServSafe training is a nationally accepted program sponsored by the National Restaurant Association. The training introduces food preparation employees to the basic information they will need to know to serve food safely. The ServSafe program will introduce you to those health related risks and help to reduce general liability claims from occurring with your food service accounts. </p> <p style="text-align: left;">&nbsp;</p> <p style="text-align: left;">The ServSafe training and certification program provides food handling employees with the knowledge, skills, and abilities to do their job safely. The program was created by the foodservice industry and helps to set the standard for providing the needed training for food handling employees. </p> <p style="text-align: left;">&nbsp;</p> <p style="text-align: left;"> </p> <p style="text-align: left;">ServSafe training is offered by most Community colleges. The training involves a 14 chapter study manual that you are advised to spend a minimum of two weeks studying. You are required to attend a one day class in which the manual is reviewed and training tapes are shown and topics are discussed. The test is given at the end of the class and you must achieve a grade of 75% or better to pass. The cost for the program is around $125.00. The certification is good for four years. </p> <p style="text-align: left;">&nbsp;</p> <p style="text-align: left;">Below are just a few interesting food preparation standards covered in the ServSafe training program:</p> <ol> <p style="text-align: left;">&nbsp;</p> <li>Food borne illnesses involve pathogens such as <b><i>viruses, parasites, fungi, and</i></b> <b><i>bacteria </i></b>and present the greatest threat to food safety.</li> <p>&nbsp;</p> <p style="text-align: left;">&nbsp;</p> <li>Cross contamination of foods can occur when a preparer touches one food with his bare hands and then touches another food without washing his hands or uses the same utensil to prepare each food without proper washing.</li> <p>&nbsp;</p> <p style="text-align: left;">&nbsp;</p> <li>There is a set order in which foods should be stored on shelving within coolers.</li> <p>&nbsp;</p> <p style="text-align: left;">&nbsp;</p> <li>A food borne illness is considered an "outbreak" when a minimum of <b><i>two</i></b> people experience an illness after eating the same food. </li> <p>&nbsp;</p> <p style="text-align: left;">&nbsp;</p> <li>The <b><i>Temperature Danger Zone</i></b> is the temperature range at which pathogens grow best on foods. This range is between 41 degrees and 135 degrees.</li> <p>&nbsp;</p> <b><i> <p style="text-align: left;">&nbsp;</p> <li>Personal hygiene is an important concern for employees. Proper hand washing involves washing the hands with soap for a minimum of 20 seconds under 100 degree running water. Employees that are sick should not be allowed to handle or prepare foods and should be advised to stay home. Employees should not sneeze or cough on foods, or touch or scratch wounds and then touch foods. </li> </i></b> is an important concern for employees. Proper hand washing involves washing the hands with soap for a minimum of 20 seconds under 100 degree running water. Employees that are sick should not be allowed to handle or prepare foods and should be advised to stay home. Employees should not sneeze or cough on foods, or touch or scratch wounds and then touch foods. <p>&nbsp;</p> <p style="text-align: left;">&nbsp;</p> <li>Three keys to practicing good food safety are <b><i>practicing good personal hygiene, preventing cross-contamination, and time temperature control. <p>&nbsp;</p> </i></b></li> <p style="text-align: left;">&nbsp;</p> <li>Dry storage rooms should be kept at 50 degrees. </li> <p>&nbsp;</p> <p style="text-align: left;">&nbsp;</p> <li>Cooked foods must be cooled down from 135 degrees to 41 degrees within less than 6 hours to prevent contamination. </li> <p>&nbsp;</p> <p style="text-align: left;">&nbsp;</p> <li>When reheating cooked foods, you must heat the food to a temperature of 165 degrees within 2 hours to prevent contamination.</li> </ol> <strong> <p>For more information about ServSafe training or to request a commercial&nbsp;insurance quote in Kentucky&nbsp;or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at<strong> (859) 276-1234</strong>&nbsp;or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong><br /> <br /> <strong>Hamilton Insurance Group,</strong> based in <strong>Lexington, KY,</strong> provides a full range of insurance products<strong> in Kentucky </strong>and<strong> Indiana,</strong> including auto, motorcycle, boat, homeowners, renters,&nbsp;life, &amp; commercial insurance, as well as fixed and index annuities.</p> <p ><br /> </p> </strong> <p>&nbsp;</p>urn:uuid:d79d984f-717b-4e4b-b308-30f616247fba This Month's Tip Take Active Steps To Reduce Your Flood and Water Damage Risk Water damage from naturally occurring floods and mechanical breakdowns cause extensive and catastrophic losses to homes every year. But there are numerous ways you can saf...Sat, 19 Jun 2010 15:26:43 -0500<strong> <h2>This Month's Tip</h2> <p>Take Active Steps To Reduce Your Flood and Water Damage Risk</p> <p>Water damage from naturally occurring floods and mechanical breakdowns cause extensive and catastrophic losses to homes every year. But there are numerous ways you can safeguard your home from these losses, including the following.</p> <ul> <li>Your home's drainage system should be checked to verify that proper water drainage occurs. For example, gutter downspouts should extend the proper distance from the foundation. </li> <li>Your yard should be properly graded to slope away from your home to allow surface water to adequately drain. French drains can also assist in this process. </li> <li>A sump pump system should be considered in your basement to keep unwanted water out of this vulnerable part of your home. </li> <li>Periodically check your washing machine hoses since these hose failures cause millions of dollars of water losses each year. Hoses should be replaced at the first sign of wear. Consider upgrading to the heavy-duty wire mesh hoses or stainless steel hoses during this replacement. </li> <li>Ascertain the location of your main water shutoff valve. Water shut-off valves should be installed on water lines under toilets and sinks and water lines leading to outside faucets. </li> </ul> <p>For more information about active steps you can take&nbsp;to reduce your flood and water damage risk, contact<strong> Tim Hamilton </strong>or<strong> Monica Landers&nbsp;</strong>at<strong> (859) 276-1234</strong>&nbsp;or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or&nbsp;</strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.<br /> <br /> </strong></p> <p style="text-align: center;">Get more <a href="../../../../expert/topics/personallines/personalriskmanagement.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p style="text-align: center;" class="TextAlignCenter">Copyright 2010<br /> <a href="http://www.irmi.com/">International Risk Management Institute, Inc.</a></p> </strong>urn:uuid:932c62f7-236e-4202-888b-1261f427dc0e<img src='http://www.timhamiltoninsurance.net/img/~www.TimHamiltonInsurance.com/tbdc-logo4printfriendly.gif' align='left' /> By Curtis Krueger, Times Staff Writer Published Thursday, April 22, 2010 Professional wrestler Hulk Hogan is suing his insurance broker, saying the company did not provide him an umbrella policy that would have protected his net worth after the acci...Thu, 22 Apr 2010 20:31:26 -0500<p style="text-align: left;"><img alt="" src="/img/~www.TimHamiltonInsurance.com/tbdc-logo4printfriendly.gif" /></p> <p style="text-align: left;">By Curtis Krueger, Times Staff Writer</p> <p style="text-align: left;">Published Thursday, April 22, 2010</p> <p style="text-align: left;">Professional wrestler Hulk Hogan is suing his insurance broker, saying the company did not provide him an umbrella policy that</p> <p style="text-align: left;">would have protected his net worth after the accident that injured his son's friend, John Graziano.</p> <p style="text-align: left;">Hogan, who lives in Pinellas County, has filed a lawsuit against Wells Fargo Insurance Services.</p> <p style="text-align: left;">Hogan, whose real name is Terry Bollea, had third-party auto liability insurance with a $250,000 limit per person injured, but that</p> <p style="text-align: left;">itself was not the problem, said his attorney Wil Florin. The problem was that Wells Fargo should have recommended the umbrella</p> <p style="text-align: left;">policy, he said.</p> <p style="text-align: left;">Florin said it's well-understood that a person with a high net worth should have an umbrella policy that provides liability insurance</p> <p style="text-align: left;">above and beyond their other policies, such as auto insurance. Insurance brokers are required by law to advise their clients about</p> <p style="text-align: left;">such issues, Florin said.</p> <p style="text-align: left;">"The layman's way to put it is, this is broker malpractice," he said.</p> <p style="text-align: left;">Although it's commonly known that wealthy people need to protect their assets, Hogan did not realize he needed an umbrella policy,</p> <p style="text-align: left;">Florin said.</p> <p style="text-align: left;">"He delegated all of that to the trust of his insurance broker."</p> <p style="text-align: left;">Didn't Hogan have a personal responsibility to investigate on his own what he needed to do to protect his multimillion-dollar net</p> <p style="text-align: left;">worth?</p> <p style="text-align: left;">"Not if you put your trust in your broker," Florin said.</p> <p style="text-align: left;">"This isn't a personal responsibility case," Florin said. "This is a professional responsibility case."</p> <p style="text-align: left;">In a highly publicized 2007 accident, Hogan's son Nick Bollea crashed his Toyota Supra into a palm tree during a street race in</p> <p style="text-align: left;">downtown Clearwater. Nick's friend and passenger, Graziano, suffered catastrophic injuries.</p> <p style="text-align: left;">Hogan recently paid a confidential settlement in that case. He is seeking to recover the money he was "unnecessarily required to</p> <p style="text-align: left;">pay as a result of the defendant's negligence," Florin's law firm said in a statement.</p> <p style="text-align: left;">© 2010 • All Rights Reserved • St. Petersburg Times</p> <p style="text-align: left;">490 First Avenue South • St. Petersburg, FL 33701 • 727-893-8111</p> <p style="text-align: left;">Contact Us | Join Us | Advertise with Us | Subscribe to the St. Petersburg Times</p> <p style="text-align: left;">Privacy Policy | Standard of Accuracy | Terms, Conditions &amp; Copyright</p> <p>For more information about personal umbrella policies, contact<strong> Tim Hamilton </strong>or<strong> Monica Landers </strong>at<strong> (859) 276-1234</strong> or go online at <a href="http://www.timhamiltoninsurance.net/" originalPath="http://www.timhamiltoninsurance.net/" originalAttribute="href"><strong>www.timhamiltoninsurance.net</strong></a><strong> or </strong><a href="http://www.nationwide.com/timhamilton" originalPath="http://www.nationwide.com/timhamilton" originalAttribute="href"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong><br /> <br /> <strong>Hamilton Insurance Group,</strong> based in <strong>Lexington, KY,</strong> provides a full range of insurance products<strong> in Kentucky </strong>and<strong> Indiana,</strong> including auto, motorcycle, boat, homeowners, renters, life, &amp; commercial insurance, as well as fixed and index annuities.</p> <p> </p> urn:uuid:b42371c8-ea48-490b-9e42-4480d9899cbbWith insurance premiums for homeowners policies rapidly escalating, Robin Olson provides tips to save premium dollars and reduce losses. by Robin Olson IRMI Many consumers have faced rapidly escalating insurance premiums on their homeowners insurance...Wed, 21 Apr 2010 21:48:53 -0500<p class="TemplateArticleSummary">With insurance premiums for homeowners policies rapidly escalating, Robin Olson provides tips to save premium dollars and reduce losses.</p> <p class="TemplateArticleAuthor">by <a href="../../../about/authors/olson.aspx">Robin Olson</a><br /> IRMI</p> <p>Many consumers have faced rapidly escalating insurance premiums on their homeowners insurance during the last few years. In some cases, consumers have experienced difficulty in procuring insurance, particularly people with several claims. Many consumers believe that they are powerless when it comes to these situations. However, there are numerous steps that homeowners can take to reduce their premium (without sacrificing coverage) and to lessen the possibility of future losses. Consumers can benefit accordingly because some insurers offer loss free discounts. In other cases, consumers with flawless or near flawless loss history can qualify for policies offering lower premiums.</p> <h2>Saving Premium and Reducing Losses </h2> <p>The following tips offer ways of saving premium dollars and reducing losses on your homeowners policy.</p> <ol> <li>Consider increasing your deductible to the highest one you can afford, even if the premium savings do not seem to justify it. This will serve a dual purpose of decreasing your premium and increasing the chance that your loss history will be good, since incidental losses will be paid by you and not the insurance company. A loss-free record over time saves premium dollars. </li> <li>Consider purchasing a monitored burglar alarm. Most insurers provide discounts to homeowners with these alarms, some as high as 20 percent. Burglars often pass by homes with prominent burglar alarm signs displayed, opting for homes without these signs. Property identification programs are another deterrent to burglary. These programs provide stickers on which your identification number is permanently imprinted. You then place these on all valuable personal property. This makes it more difficult for burglars to fence or pawn your property. </li> <li>Replace washing machine hoses when they show signs of deterioration, because a burst hose can cause extensive damage. Inspect the hoses on a regular basis. In addition, turn off the washing machine water faucet when the appliance is not in use to prevent leaks. </li> <li>Maintain your roof in optimal condition. A roof inspection on a periodic basis can identify sections that need repair and thus prevent water losses. Roofing materials containing high wind resistance features should be considered in windstorm-prone areas. Some insurers provide discounts for these types of roofs. </li> <li>If you experience a water leak, make sure it is properly repaired and remediated, which can include the removal and replacement of building materials such as sheetrock. For larger water leaks, a professional who specializes in remediation should be called in. These measures will reduce the possibility of hazardous and expensive mold losses down the road. </li> <li>If you are considering buying a home, be aware that many insurance companies offer new home discounts. Some insurers offer the highest discounts (e.g., 20 percent) on brand new homes and gradually lower discounts for several years as the home ages. </li> <li>Request a copy of a CLUE report on the home you are considering buying. CLUE stands for Comprehensive Loss Underwriting Exchange and this report provides a list of prior losses for a particular home. It is generated from a database of insurance losses compiled by a high percentage of insurance companies. You can normally contact your current homeowners agent to get this information on a prospective home. Be wary of purchasing a home experiencing prior foundation, water, or mold losses. </li> <li>Train yourself on how a fire extinguisher works. Always keep a fire extinguisher in the garage as well as the kitchen and on each floor of your home. In addition, the furnace should be inspected each fall by a licensed professional. </li> <li>Install and maintain smoke alarms throughout the house. It is best if the alarms are interconnected, so that if one goes off, they all go off. Test the smoke alarm once a month. These detectors should be approved by Underwriters’ Laboratories (UL) or other recognized testing laboratories. </li> <li>Consider purchasing both your homeowners and personal auto coverage with the same insurer. Many insurers offer home/car discounts for multiline customers, with some discounts as high as 20 percent. </li> <li>Shop your homeowners policy with financially strong insurance companies. Do not select a particular insurance company just because it has the lowest rate. Other factors to consider are claims handling reputation, customer service, and financial strength. Keep in mind, however, that some insurers offer long-term customer (e.g., 5 or more years) discounts. These can make it worthwhile to stay with your current insurance company if you are pleased with their service. </li> <li>Periodically check your credit rating. There may be cases in which an error has occurred which could negatively affect your rating. The credit bureau has procedures in place to remedy these situations. </li> </ol> <hr /> <p class="TextSmall">Opinions expressed in Expert Commentary articles are those of the author and are not necessarily held by the author's employer or IRMI. Expert Commentary articles and other IRMI Online content do not purport to provide legal, accounting, or other professional advice or opinion. If such advice is needed, consult with your attorney, accountant, or other qualified adviser.<br /> </p> <div id="ctl00_ctl00_OnlineFooterPanel" class="FooterOnline">© 2000-2010 International Risk Management Institute, Inc. (IRMI). All rights reserved. </div> <br /> urn:uuid:50454382-3659-4a13-92e3-becc4fb138a3Tips on deciding between new car financing offer or cash back &nbsp; When purchasing a new car, you may be faced with the decision of a low financing rate or cash back. Which should you choose? Unfortunately you probably have to crunch the number...Wed, 14 Apr 2010 21:48:43 -0500<h2 class="title_tips eui-title">Tips on deciding between new car financing offer or cash back</h2> <div class="icon_tips"> <div class="tips_icontips"></div> </div> <div class="content_tips eui-text"> <p class="eui-text">&nbsp;</p> <p>When purchasing a new car, you may be faced with the decision of a low financing rate or cash back. Which should you choose? Unfortunately you probably have to crunch the numbers to get the answer.</p> <p>The average rate on auto loans is 6.66% (according to bankrate.com). Suppose your local dealer is offering a choice between 1.9% financing on a 48-month loan or $2,000 in cash. To get the dealer incentives, you'll have to put $1,500 down. Assuming you don't have a trade-in, choosing the cash rebate would save you $404 more over the life of the loan than taking the low-interest loan. You'll pay a lot more interest by going this route -- $1,755 more in total, assuming you don't refinance or make any prepayments. Since taking the cash rebate reduced your loan amount by $2,000, you've reduced the amount of your principal payments -- and your total cost for the car -- significantly. If your rebate was just a little bit lower ($1,500 instead of $2,000, for example) then refinancing would be the better choice, with savings of $212.</p> <p>Taking the rebate is often the better decision, since you must hold a relatively long-term loan in order to see the benefits of low-interest financing. That's why dealers tend to offer incrementally higher rates for longer-term loans: While you may be able to get 1.9% financing on a 48-month loan, the rate may be closer to 2.5% or 3% on a 60-month loan. The difference in savings between low-interest financing and a rebate can be just a couple hundred dollars. By calculating your savings beforehand, you'll be sure to make the right decision. You can find calculators online that can help you crunch the numbers.</p> <p>For more information about deciding between a new car financing offer or cash back or to request an auto or homeowners insurance quote in Kentucky or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers </strong>at<strong> (859) 276-1234</strong> or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or </strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong><br /> <br /> <strong>Hamilton Insurance Group,</strong> based in <strong>Lexington, KY,</strong> provides a full range of insurance products<strong> in Kentucky </strong>and<strong> Indiana,</strong> including auto, motorcycle, boat, homeowners, renters, life, &amp; commercial insurance, as well as fixed and index annuities.</p> </div> urn:uuid:36cedf5b-36b9-4252-9165-35063ca68f6fHow to choose the right auto insurance agent &amp; carrier &nbsp; When buying auto insurance, it's important to consider not only the price, but also the agent, the carrier and the coverage. Your low premium will quickly be forgotten if you find ...Wed, 14 Apr 2010 20:00:21 -0500<h2 class="title_tips eui-title">How to choose the right auto insurance agent &amp; carrier</h2> <div class="icon_tips"> <div class="tips_icontips"></div> </div> <div class="content_tips eui-text"> <p class="eui-text">&nbsp;</p> <p>When buying <em>auto insurance</em>, it's important to consider not only the price, but also the <em>agent</em>, <em>the</em> <em>carrier</em> and the <em>coverage</em>. Your low premium will quickly be forgotten if you find out that the service or the quality of your policy is not what you expected.</p> <p>You can check out the insurance agent you may be working with at the Kentucky Department of Insurance. You should also look into the insurance carrier itself. Is it a well-known and established company? Does it have the financial strength to pay its claims? You can obtain background and financial information on an insurance carrier from the Kentucky Department of Insurance.  Also, be sure to <em>understand the company's claim process</em>. This will help you when you actually need to file one. Knowing beforehand ensures you choose a carrier whose claim process is most convenient and appealing to you.  <br /> <br /> For more information about choosing the right auto insurance agent &amp; carrier or to request a homeowners insurance quote in Kentucky or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers </strong>at<strong> (859) 276-1234</strong> or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or </strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong><br /> <br /> <strong>Hamilton Insurance Group,</strong> based in <strong>Lexington, KY,</strong> provides a full range of insurance products<strong> in Kentucky </strong>and<strong> Indiana,</strong> including auto, motorcycle, boat, homeowners, renters, life, &amp; commercial insurance, as well as fixed and index annuities. </p> <p>&nbsp;</p> </div> urn:uuid:76d0f04f-5b76-4f23-9ee4-6f2ca90a9f56What is condo insurance and why do you need it? &nbsp; If you own a condo/townhome or are thinking of buying one, you should understand your insurance coverage. Your homeowner's association will have insurance that covers your unit. But you still...Mon, 12 Apr 2010 20:07:00 -0500<h2 class="title_tips eui-title">What is condo insurance and why do you need it?</h2> <div class="icon_tips"> <div class="tips_icontips"></div> </div> <div class="content_tips eui-text"> <p class="eui-text">&nbsp;</p> <p>If you own a <em>condo/townhome</em> or are thinking of buying one, you should understand your <em>insurance coverage</em>. Your homeowner's association will have insurance that covers your unit. But you still need your own insurance.</p> <p>The condominium association insurance covers the <em>condominium building, commonly owned property</em> (covered parking spaces, fencing) and <em>liability insurance</em> for the association.</p> <p>But that insurance doesn't cover losses to your unit as a result of a burglary, if water damage ruins your living room walls, or if someone slips on your wet kitchen floor and is injured. That's why you need condominium insurance designed specifically for condo or co-op owners.</p> <p><em>Condominium policies</em> protect you from losses to your personal property and the interior of your unit. You will also have liability protection for bodily injury or property damage to others. The articles of the condominium association and state law determine exactly which building components are covered under the association's master insurance policy. Generally, the association's coverage stops at the exterior walls meaning that you are responsible for the interior walls and possibly for fixtures, as well as your personal property and liability exposures.</p> <p>&nbsp;</p> </div> urn:uuid:2acaf9d0-2672-4722-8b04-b9a1035982cd     Old guys with Morse code vs Kids with Text Messaging.  Be sure to listen to the message at the end to save a bunch on your car insurance with Hamilton Insurance Group.  Call 859-276-1234 today! Thu, 08 Apr 2010 09:20:58 -0500<object classid="clsid:22D6F312-B0F6-11D0-94AB-0080C74C7E95" width="150" height="150" type="application/x-oleobject"> <param name="FileName" value="/img/~www.TimHamiltonInsurance.com/Technology1.wmv"/><embed src="/img/~www.TimHamiltonInsurance.com/Technology1.wmv" width="150" height="150" type="application/x-mplayer2" pluginspage="http://www.microsoft.com/Windows/MediaPlayer"></embed></object>    Old guys with Morse code vs Kids with Text Messaging.  Be sure to listen to the message at the end to save a bunch on your car insurance with Hamilton Insurance Group.  Call 859-276-1234 today! urn:uuid:830b0a1e-2783-4678-a2e9-c25f073ce75aThe financial cost of healthcare reform is substantial -- but the cost to personal liberty is incalculable.  To read more, click  here. Wed, 24 Mar 2010 21:15:48 -0500The financial cost of healthcare reform is substantial -- but the cost to personal liberty is incalculable.  To read more, click  <a href="http://www.onenewsnow.com/Perspectives/Default.aspx?id=948956" class="ApplyClass">here</a>. urn:uuid:8981da7d-70f7-4f42-87f5-6385bbe0b330Homeowners Insurance Discounts from Nationwide Through Hamilton Insurance Group  Save on your homeowners insurance when you qualify for any of the below homeowners insurance discounts. Get a homeowner's insurance quote from Nationwide through Hamilto...Thu, 18 Mar 2010 11:07:29 -0500<h1><span style="font-size: 18px;">Homeowners Insurance Discounts from Nationwide Through Hamilton Insurance Group</span> </h1> <p>Save on your homeowners insurance when you qualify for any of the below homeowners insurance discounts. Get a homeowner's insurance quote from Nationwide through Hamilton Insurance Group today! </p> <h2><strong><span style="font-size: 16px;">Homeowners and auto insurance discount</span></strong> </h2> <p>Combine and save. Get up to a 20% discount on a home insurance policy when you insure your car and home with Nationwide through Hamilton Insurance Group. </p> <h2><span style="font-size: 16px;">Protective device discount</span> </h2> <p>Get up to a 15% discount if your home has smoke detectors, fire alarms, burglary alarms or other qualifying devices. </p> <h2><strong><span style="font-size: 16px;">Claims-free discount</span></strong> </h2> <p>Get up to a 20% discount on your home insurance when you stay claims-free. </p> <h2><strong><span style="font-size: 16px;">Age of construction discount</span></strong> </h2> <p>Get up to a 30% discount based on your home's age. </p> <h2><strong><span style="font-size: 16px;">Age of insured discount</span></strong> </h2> <p>Get up to a 15% homeowners insurance discount if you are 60 or older. </p> <h2><strong><span style="font-size: 16px;">Personal status discount</span></strong> </h2> <p>Get up to a 5% discount if you are married or widowed. </p> <p>*The availability, amount and eligibility for discount home insurance discounts may vary by state. </p> <div class="yui-u callToAction"> <h2><span style="font-size: 18px;">Request Your Homeowners Insurance Quote Today!</span> </h2> <p>For more information about homeowners insurance discounts or to request a homeowners insurance quote in Kentucky or Indiana: <br /> <br /> Contact<strong> Tim Hamilton </strong>or<strong> Monica Landers </strong>at<strong> (859) 276-1234</strong> or go online at <a href="http://www.timhamiltoninsurance.net/"><strong>www.timhamiltoninsurance.net</strong></a><strong> or </strong><a href="http://www.nationwide.com/timhamilton"><strong>www.nationwide.com/timhamilton</strong></a><strong>.</strong><br /> <br /> <strong>Hamilton Insurance Group,</strong> based in <strong>Lexington, KY,</strong> provides a full range of insurance products<strong> in Kentucky </strong>and<strong> Indiana,</strong> including auto, motorcycle, boat, homeowners, renters, life, &amp; commercial insurance, as well as fixed and index annuities. <br /> <br /> </p> </div> urn:uuid:483282a3-cff7-4c1e-bfd7-bba829b11572Nationwide Insurance is currently hiring customer service reps in San Antonio, Amarillo, Des Moines, Columbus, Cleveland and Lynchburg. If anyone in your network is looking for entry level. Candidates may apply at http://nationwide.candidatecare.com ...Sat, 20 Feb 2010 10:40:36 -0600<h1 class="q"><span style="font-size: 16px;">Nationwide Insurance is currently hiring customer service reps in San Antonio, Amarillo, Des Moines, Columbus, Cleveland and Lynchburg.</span></h1> <p class="q-details">If anyone in your network is looking for entry level. Candidates may apply at <a href="http://www.linkedin.com/redirect?url=http%3A%2F%2Fnationwide%2Ecandidatecare%2Ecom&amp;urlhash=t57g" title="New window will open" target="_blank">http://nationwide.candidatecare.com</a> . </p> urn:uuid:812dd92a-d766-4888-8793-de3d9dd5b83eInsurance regulators have increased the reserve requirements for term life insurance.  Consquently, the life insurance industry is battening down its hatches -- and consumers, it turns out, will pay the price.  The bad news is term life insurance r...Thu, 18 Feb 2010 16:00:49 -0600<p>Insurance regulators have increased the reserve requirements for term life insurance.  Consquently, the life insurance industry is battening down its hatches -- and consumers, it turns out, will pay the price.  <br /> <br /> The bad news is term life insurance rates for many insurance companies have gone up.  The good news, however, is that you will have until March 8, 2010 to pruchase a term life policy at the current rate from Nationwide Life Insurance Company, through one of their exclusive agencies, the Hamilton Insurance Group.<br /> <br /> To qualify for the lower rate, you just need to sign the application by March 8, 2010.  If you need life insurance, it is in your best interest to contact Tim Hamilton or Monica landers  at (859) 276-1234 or go online at <a href="http://www.timhamiltoninsurance.net/">www.timhamiltoninsurance.net</a> or <a href="http://www.nationwide.com/timhamilton">www.nationwide.com/timhamilton</a>.<br /> <br /> Hamilton Insurance Group, based in Lexington, KY, provides a full range of insurance products, including auto, motorcycle, boat, homeowners, renters, life, &amp; commercial insurance, as well as fixed and index annuities. </p> <p> </p> <p> </p> <p> </p> <p> </p> <p> </p> urn:uuid:ca35b2f3-f57b-4178-a396-e722a967c1ea&nbsp; From the Kentucky Department Of Insurance Consumer FAQ:  Toyota recalls and insurance-related issues: To learn more about this &amp; other insurance-related issues, contact Tim Hamilton or Monica Landers at (859) 276-1234 or go online at www...Mon, 15 Feb 2010 11:25:10 -0600<p style="text-align: left;">&nbsp;</p> <p><b><a href="http://doi.ppr.ky.gov/Kentucky/Documents/Communications/Toyota021210.pdf"><b>From the Kentucky Department Of Insurance Consumer FAQ:  Toyota recalls and insurance-related issues:<br /> <br /> <br /> </b></a>To learn more about this &amp; other insurance-related issues, contact <strong>Tim Hamilton</strong> or <strong>Monica Landers</strong> at <strong>(859) 276-1234</strong> or go online at <a href="http://www.timhamiltoninsurance.net/">www.timhamiltoninsurance.net</a> or <a href="http://www.nationwide.com/timhamilton">www.nationwide.com/timhamilton</a>.<br /> <strong><br /> Hamilton Nationwide Insurance Agency</strong>, based in <strong>Lexington, KY</strong>, provides a full range of insurance products, including auto, motorcycle, boat, homeowners, renters, life, &amp; commercial insurance, as well as fixed and index annuities. <br /> <br />  </b></p> urn:uuid:fcb4275b-fc08-4d64-a3f5-be9bbbf73d73Types of Business Insurance Insurance coverage is available for every conceivable risk your business might face. Cost and amount of coverage of policies vary among insurers. You should discuss your specific business risks and the types of insurance a...Fri, 08 Jan 2010 16:04:12 -0600<h1>Types of Business Insurance</h1> <p>Insurance coverage is available for every conceivable risk your business might face. Cost and amount of coverage of policies vary among insurers. You should discuss your specific business risks and the types of insurance available with your insurance agent or broker. Our agency can advise you on the exact types of insurance you should consider purchasing.</p> <h2>General Liability Insurance</h2> <p>Business owners purchase general liability insurance to cover legal hassles due to accidents, injuries and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure.</p> <h2>Product Liability Insurance</h2> <p>Companies that manufacture, wholesale, distribute, and retail a product may be liable for its safety. Product liability insurance protects against financial loss as result of a defective product that causes injury or bodily harm. The amount of insurance you should purchase depends on the products you sell or manufacture. For example, a clothing store would have far less risk than a small appliance store.</p> <h2>Professional Liability Insurance</h2> <p>Business owners providing services should consider having professional liability insurance (also known as errors and omissions insurance). This type of liability coverage protects your business against malpractice, errors, and negligence in provision of services to your customers. Depending on your profession, you may be required by your state government to carry such a policy. For example, physicians are required to purchase malpractice insurance as condition of practicing in certain states. </p> <h2>Commercial Property Insurance</h2> <p>Property insurance covers everything related to the loss and damage of company property due to a wide-variety of events such as fire, smoke, wind and hail storms, civil disobedience, and vandalism. The definition of "property" is broad, and includes lost income, business interruption, buildings, computers, company papers and money. </p> <p>Property insurance policies come in two basic forms: (1) all-risk policies covering a wide-range of incidents and perils except those excluded in the policy; (2) peril-specific policies that cover losses from only those perils listed in the policy. Examples of peril-specific policies include fire, flood, crime, and business interruption insurance. All-risk policies generally cover risk faced by the average small business, while peril-specific policies are usually purchased when there is high risk of peril in a certain area. Consult your insurance agent or broker about the type of business property insurance best suited for your small business.</p> <h2>Home-Based Business Insurance</h2> <p>Contrary to popular belief, homeowners' insurance policies do not generally cover home-based business losses. Depending on risks to your business, you may add riders to your homeowners' policy to cover normal business risks such as property damage. However, homeowners policies only go so far in covering home-based businesses and you may need to purchase additional policies to cover other risks, such as general and professional liability. <br /> <br /> <br /> To learn more about <strong>business insurance</strong>, contact <strong>Tim Hamilton</strong> or <strong>Monica Landers</strong> at <strong>(859) 276-1234</strong> or go online at <a href="http://www.timhamiltoninsurance.net/">www.timhamiltoninsurance.net</a> or <a href="http://www.nationwide.com/timhamilton">www.nationwide.com/timhamilton</a>.<br /> <strong><br /> Hamilton Nationwide Insurance Agency</strong>, based in <strong>Lexington, KY</strong>, provides a full range of insurance products, including auto, motorcycle, boat, homeowners, renters, life, &amp; commercial insurance, as well as fixed and index annuities.</p> urn:uuid:398d2a09-af14-4351-8c22-848fd39401c9Cut Health Care Costs: Merge Workers Comp, Health Care Insurance Wed, 06 Jan 2010 22:46:32 -0600<a href="http://www.bizactions.com/modules/e/popup_fullarticle.cfm/id/2,1135,1666/">Cut Health Care Costs: Merge Workers Comp, Health Care Insurance</a> urn:uuid:4fc471ee-6291-49c9-8890-2905b0ad16cfClick here for our 2010 Tax Digest Wed, 06 Jan 2010 09:42:13 -0600<a href="/DocumentLibrary.aspx?ID=3248">Click here for our 2010 Tax Digest</a> urn:uuid:81a1c26f-4eca-428d-a489-f777020dc8d7The AARP claims to be all about representing the interests of seniors, but when it comes to health care reform, they are selling seniors down the river to line their own pockets. Click here to learn more Tue, 10 Nov 2009 18:18:17 -0600The AARP claims to be all about representing the interests of seniors, but when it comes to health care reform, they are selling seniors down the river to line their own pockets.<br /> <br /> <a href="http://action.afa.net/Detail.aspx?id=2147489432" class="ApplyClass">Click here to learn more</a> urn:uuid:7bb1e219-1f2b-4cee-81f6-4d9b552b419fClick the link below to learn how it may be possible to cut unemployment insurance rates!  http://www.bizactions.com/modules/e/popup_fullarticle.cfm/id/3,2440,1666/ Wed, 04 Nov 2009 21:56:17 -0600Click the link below to learn how it may be possible to cut unemployment insurance rates! <a href="http://www.bizactions.com/modules/e/popup_fullarticle.cfm/id/3,2440,1666/"><br /> <br /> http://www.bizactions.com/modules/e/popup_fullarticle.cfm/id/3,2440,1666/</a> urn:uuid:6e57a16e-7b3f-4742-b4c9-39760d59b9ab Nationwide and MADD launch new program - The Power of Parents: It's Your Influence Nationwide and MADD will be launching the new program, The Power of Parents: It's Your Influence, on Tuesday, Oct. 27, in Washington, D.C. The program will equip par...Tue, 27 Oct 2009 10:00:20 -0500<b> <p dir="ltr">Nationwide and MADD launch new program - The Power of Parents: It's Your Influence</p> </b> <p dir="ltr">Nationwide and MADD will be launching the new program, The Power of Parents: It's Your Influence, on Tuesday, Oct. 27, in Washington, D.C. The program will equip parents with the conversation tools they need to talk with their teens at home in an effective way that helps stop underage drinking.</p> <p dir="ltr">For years Nationwide has supported preventing underage drinking with programs such as Nationwide Prom Promise and MADD’s THINK. These programs were successful; however, there was no way to enforce them. Teens sign a pledge for an evening and then forget about it. After 20 years, underage drinking is still an issue.</p> <p dir="ltr">Last year, when the THINK program ended, we began creating a new program geared toward parents based on research confirming that parents are the number one influencer of teens and their decisions to drink or not. The program will equip parents with the conversation tools they need to talk with their teens at home in an effective way that helps stop underage drinking. </p> <p dir="ltr">Nationwide and MADD will be launching the new program, <b>The Power of Parents: It’s Your Influence</b>, on Tuesday, Oct. 27, in Washington, D.C.</p> <p dir="ltr">The program has two components: a website and a community-based program.</p> <p dir="ltr">The website will:</p> <dir><dir> <p dir="ltr">· Empower parents/caregivers/adults with the tools, strategies and knowledge to combat underage drinking</p> <p dir="ltr">· Provide a clearinghouse of the best information available to parents/caregivers/adults on underage drinking </p> <p dir="ltr">· Provide resources from the most credible organizations and researchers</p> <p dir="ltr">· Serve parents/caregivers/adults with underage drinking prevention messaging</p> <p dir="ltr">· Be easy to navigate by highlighting information by topic</p> </dir></dir> <p dir="ltr">The website <span style="text-decoration: underline;">www.thepowerofparents.org</span> will go live on Tuesday, Oct.27.</p> <p dir="ltr">The Power of Parents: It’s Your Influence is based on research conducted by Robert Turrisi of Pennsylvania State University. It’s a proven guide on how to talk to college students about alcohol. The program has been tailored for parents of high school aged students. Mr. Turrisi’s research indicates that parents will have the strongest impact on drinking if they use specific communication techniques that affect positive outcomes when discussing their expectations about drinking. </p> <p dir="ltr">The program will train facilitators around the country to teach parents how to have these talks with their high school students. MADD’s trained field volunteers/facilitators will conduct workshops in their local communities to educate parents/caregivers/adults on the best communication techniques to effectively address the dangers and consequences of underage drinking.</p> <p>Nationwide will always be committed to saving lives and making the roads safer for everyone. By preventing underage drinking, we can help stop drunk driving in the future.<br /> <br /> To learn more about car insurance and <strong>The Power of Parents: It’s Your Influence</strong>, contact <strong>Tim Hamilton</strong> or <strong>Monica Landers</strong> at <strong>(859) 276-1234</strong> or go online at <a href="http://www.timhamiltoninsurance.net/">www.timhamiltoninsurance.net</a> or <a href="http://www.nationwide.com/timhamilton">www.nationwide.com/timhamilton</a>.<br /> <strong><br /> Hamilton Nationwide Insurance Agency</strong>, based in <strong>Lexington, KY</strong>, provides a full range of insurance products, including auto, motorcycle, boat, homeowners, renters, life, &amp; commercial insurance, as well as fixed and index annuities.</p> <br /> urn:uuid:1f287e0d-c793-4c02-a8fd-47bb14bcf6dfProtecting what matters with Hamilton Nationwide Insurance Agency  Why do I need car insurance? By Tim Hamilton, LUTCF &nbsp; Insurance laws vary from state to state, but all states require some type of insurance or proof of financial responsibili...Thu, 22 Oct 2009 18:55:10 -0500<p style="text-align: left;">Protecting what matters with Hamilton Nationwide Insurance Agency</p> <i> <p style="text-align: left;">Why do I need car insurance?</p> <p style="text-align: left;">By Tim Hamilton, LUTCF</p> <b> <p style="text-align: left;">&nbsp;</p> </b></i> <p style="text-align: left;">Insurance laws vary from state to state, but all states require some type of insurance or proof of financial responsibility. Even though it may seem like an "extra" cost, car insurance protects you, your family and your vehicle if you’re ever in an accident or if your vehicle is damaged. </p> <p style="text-align: left;">&nbsp;</p> <p style="text-align: left;">Several factors, including your driving record and insurance history, affect the type of insurance policy available to you. If you have a clean driving record and have been insured in the past, you’ll most likely qualify for standard auto insurance. </p> <p style="text-align: left;">&nbsp;</p> <p style="text-align: left;">Generally, if you haven’t had insurance, or have a less-than-perfect driving record, you can still qualify for auto insurance. This type of insurance is known as specialty insurance.</p> <p style="text-align: left;">&nbsp;</p> <b> <p style="text-align: left;">Your auto policy may include six coverages, each priced separately:</p> <dir> <p style="text-align: left;">1. <b>Bodily Injury Liability</b> applies to injuries that you, the designated driver or policyholder, cause to someone else. It’s very important to have enough liability insurance because if you’re involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets, such as your home and savings.</p> <p style="text-align: left;">2. <b>Medical Payments or Personal Injury Protection (PIP)</b> pays for the treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. </p> <p style="text-align: left;">3. <b>Property Damage Liability</b> pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. </p> <p style="text-align: left;">4. <b>Collision</b> pays for damage to your car resulting from a collision with another car or object.</p> <p style="text-align: left;">5. <b>Comprehensive</b> reimburses you for loss due to theft or damage caused by something other than a collision with another car or object. </p> <p style="text-align: left;">6. <b>Uninsured and Underinsured Motorist</b> reimburses you if you’re hit by an uninsured or underinsured driver, or a hit-and-run driver. This coverage will also protect you if you’re hit as a pedestrian. </p> <p style="text-align: justify;"> </p> </dir></b> <p style="text-align: left;">To learn more about car insurance, contact <strong>Tim Hamilton</strong> or <strong>Monica Landers</strong> at <strong>(859) 276-1234</strong> or go online at <a href="http://www.timhamiltoninsurance.net/">www.timhamiltoninsurance.net</a> or <a href="http://www.nationwide.com/timhamilton">www.nationwide.com/timhamilton</a>.  </p> <p style="text-align: left;">&nbsp;</p> <p style="text-align: left;"> <strong>Hamilton Nationwide Insurance Agency</strong>, based in <strong>Lexington, KY</strong>, provides a full range of insurance products, including auto, motorcycle, boat, homeowners, renters, life, &amp; commercial insurance, as well as fixed and index annuities.</p> urn:uuid:f0c03f89-557f-4dd4-b0a1-22eef74872b1 October 2009 Newsletter                  Back to School - Part II Preschool, D...Mon, 05 Oct 2009 21:12:37 -0500<table> <tbody> <tr> <td style="background-color: #ffffff;"> <div style="text-align: center;"><b>October 2009 Newsletter</b></div> </td> <td style="background-color: #ffffff;"> </td> </tr> </tbody> </table> <br /> <table border="1"> <tbody> <tr valign="top"> <td style="background-color: #ffffff;">   <a href="http://emailactivity.ecn5.com/engines/linkfrom.aspx?b=192070&amp;e=17658658&amp;l=http://www.chuund.com" rel="nofollow" target="_blank"></a> <br />     </td> <td style="background-color: #ffffff;">  </td> <td style="background-color: #ffffff;"><b>     Back to School - Part II</b> <div style="text-align: center;"> <p>Preschool, Daycare &amp; Nursery Safety                     </p> </div> <p>In our September newsletter, we began a conversation about protecting the youngest members of our congregation by reviewing the day-to-day operations of our insured’s preschool, daycare or nursery. In this newsletter, we will continue the discussion with additional points to consider when addressing the safety of such operations. </p> <div style="text-align: center;"> <p >Emergency Plan of Action</p> </div> <ul> <li>Does the insured have a clear plan of action in place for an environmental event, medical emergency or allegation of inappropriate conduct? </li> <li>Have all members of the child care team been adequately trained on such procedures? </li> </ul>     <div style="text-align: center;"><br /> Exterior Safety</div> <ul> <li>Does appropriate and safe turf exist in the playground area and around the playground equipment, and is the playground area fenced in? </li> <li>Has the playground equipment been inspected for proper safety and function? </li> <li>Do field trips and other special events have the proper parental consent and staff supervision? </li> </ul>   <div style="text-align: center;"><br /> Interior Safety</div> <ul> <li>Are all chemicals, medications and first aid supplies properly stored and out of the reach of little hands? </li> <li>Are proper food storage, food preparation and other sanitation guidelines in place? </li> <li>Have all toys, cribs, high chairs, changing tables, etc. been inspected for cleanliness and safety? Often congregations receive generous donations of these items.  A careful inspection is required to make sure these donations meet current safety guidelines and are not a part a manufacturer’s recall. </li> </ul>   <br /> Please note these points are basic suggestions to help facilitate a constructive conversation about the safety and success of a child care operation. If there are specific needs, concerns or additional questions generated by such a discussion, our staff will be happy to assist you. </td> </tr> </tbody> </table> urn:uuid:71cbfbfd-f4be-459a-9e51-7d68afcbd7d1Folks let's face it, even the most careful driver can have an accident. If you find yourself in one, follow these tips from the Kentucky Department Of Insurance: If someone is injured, you should call for help immediately. Provide basic fir...Wed, 30 Sep 2009 23:39:25 -0500<p style="text-align: left;">Folks let's face it, even the most careful driver can have an accident. If you find yourself in one, follow these tips from the Kentucky Department Of Insurance:</p> <ul> <li>If someone is injured, you should call for help immediately. </li> <li>Provide basic first aid but don't move an injured person unless you have medical training. </li> <li>Make note of the time of day, any weather factors that may have contributed to the accident, the position of the cars, etc. </li> <li>Courteously exchange information with the other parties involved such as names, addresses, phone numbers, driver's license numbers, insurance companies and policy numbers, if possible. </li> <li>If there were witnesses to the accident, get their names and telephone numbers. </li> <li>If the police are called, make a note of the reporting officer's name. </li> <li> <div style="text-align: left;">Report the accident to your insurance agent or company as soon as possible, even if you were not at fault. </div> </li> </ul> <p style="text-align: left;">For more information on steps you should take if you are involved in an auto accident, contact <strong>Tim Hamilton</strong> or <strong>Monica Landers</strong> at <strong>(859) 276-1234</strong> or go online at <a href="http://www.timhamiltoninsurance.net/">www.timhamiltoninsurance.net</a> or <a href="http://www.nationwide.com/timhamilton">www.nationwide.com/timhamilton</a>.  <strong>Hamilton Nationwide Insurance Agency</strong>, based in <strong>Lexington, KY</strong>, provides a full range of insurance products, including auto, motorcycle, boat, homeowners, renters, life, &amp; commercial insurance, as well as fixed and index annuities. </p> urn:uuid:6371570f-c186-4a2e-862d-8e62a060f611Homeowners can take steps to prepare for wildfires and stay safe   By Tim Hamilton, LUTCF  Wildfire season is upon us and that makes it an important time to make sure your family is prepared.  While there are a number of things homeowners can do to ...Wed, 23 Sep 2009 23:36:56 -0500<strong><span style="text-decoration: underline;">Homeowners can take steps to prepare for wildfires and stay safe<br /> </span></strong> <br /> By <strong>Tim Hamilton</strong>, LUTCF <br /> <br /> Wildfire season is upon us and that makes it an important time to make sure your family is prepared.  While there are a number of things homeowners can do to protect their homes from wildfires, they should first make sure they are always ready to evacuate. Homeowners need to be prepared to leave town at any time.  They should have a few escape routes mapped out and know where to go.  <br /> <br /> But, homeowners don’t have to sit around and wait for a wildfire to find them, they can take action to protect their homes. First, they can research the history of wildfires in the area and keep a close eye on the local weather.  Other proactive steps homeowners can take to protect their homes include: <br /> <ul> <li>Make sure the house address is clearly visible from the road </li> <li>Clear all dry grass, brush, trees and dead leaves within 100 feet from the house </li> <li>Look for and plant less-flammable vegetation when possible </li> <li>For taller trees, cut off branches growing six feet from the ground and closer </li> <li>Cut dead tree branches hanging over roofs and within 15 feet of the chimney </li> <li>Cover the underside of balconies and aboveground decks with fire resistant materials </li> <li>Keep firewood piles at least 100 feet uphill from any structure </li> <li>Store an emergency water supply within 1,000 feet of your home </li> <li>Don’t use bark or wood chip mulch </li> </ul> If you know a wildfire is moving toward your home, remove flammable materials including trash, furniture and vehicles.  Turn off the gas and close all windows and doors.  Remove the window coverings and fill pools, trash cans and other large containers with water.  Also, disconnect automatic garage door openers so if the power fails, you can open the door.  <br /> <br /> Just taking these basis steps can help you protect your family from a wildfire.  These basic steps can increase your chances of escaping the disaster with minimal damage.  <br /> <br /> For more information on preparing for a wildfire, contact <strong>Tim Hamilton</strong> or <strong>Monica Landers</strong> at <strong>(859) 276-1234</strong> or go online at <a href="http://www.timhamiltoninsurance.net">www.timhamiltoninsurance.net</a> or <a href="http://www.nationwide.com/timhamilton">www.nationwide.com/timhamilton</a>. <strong>Hamilton Nationwide Insurance Agency</strong>, based in <strong>Lexington, KY</strong>, provides a full range of insurance products, including auto, motorcycle, boat, homeowners, life, &amp; commercial insurance, as well as fixed and index annuities. urn:uuid:1447bc05-f953-41d4-8696-03834c68c29dProtecting what matters with Nationwide® I was in a car accident, what now? By Tim Hamilton, LUTCF &nbsp; You are driving. The radio is on. Everything is great in your world. Suddenly, you are distracted by the ringing of your cell phone. In only...Sat, 12 Sep 2009 23:34:00 -0500<p style="text-align: left;">Protecting what matters with Nationwide^® </p> <i> <p style="text-align: left;">I was in a car accident, what now?</p> <p style="text-align: left;">By Tim Hamilton, LUTCF</p> <b> <p style="text-align: left;">&nbsp;</p> </b></i> <p style="text-align: left;">You are driving. The radio is on. Everything is great in your world. Suddenly, you are distracted by the ringing of your cell phone. In only seconds, a good day turns into a nightmare. You are in a car crash. </p> <p style="text-align: left;">&nbsp;</p> <p style="text-align: left;">If you’re involved in an accident, first make sure you and everyone in your car is not injured. Next, check on the passengers in the other vehicle; or, if necessary, make certain that no pedestrians are hurt. </p> <p style="text-align: left;">&nbsp;</p> <b> <p style="text-align: left;">Five things to do if you’re in an accident: </p> <dir> <p style="text-align: left;">1. Stay at the scene. Leaving can result in additional violations or fines.</p> <p style="text-align: left;">2. Call 911 or the police as soon as possible. They’ll dispatch medical personnel and a police officer immediately to the scene of the accident. Wait for the police to complete an accident report. </p> <p style="text-align: left;">3. If you’re on a busy highway, stay inside the car and wait for the police or an ambulance. It’s dangerous if passengers stand along a busy street. </p> <p style="text-align: left;">4. Don’t get into an argument or a fight with the other driver. Simply exchange contact and insurance information. If possible, also get the name and phone numbers of witnesses. </p> <p style="text-align: left;">5. Call your insurance provider to report the claim. Your agent will ask you to send any paperwork you receive regarding the accident and will give you instructions as to where you can get your car fixed.</p> <p style="text-align: left;">&nbsp;</p> <b> <p style="text-align: left;">Three things you should always have in your car:</p> <ol> <p style="text-align: left;">&nbsp;</p> <li>First aid kit. It will help with some minor injuries until the ambulance arrives. But make sure everyone is checked by the paramedics.</li> <p>&nbsp;</p> <p style="text-align: left;">&nbsp;</p> <li>Camera. If possible, take pictures of the accident. It will help document the crash, position of the cars, etc.</li> <p>&nbsp;</p> <p style="text-align: left;">&nbsp;</p> <li>Insurance and vehicle registration. You want to make sure that you always have these two documents in your car. </li> <p>&nbsp;</p> </ol> </b></dir></b> <p style="text-align: left;">&nbsp;</p> <p style="text-align: justify;">And remember: you have to have insurance to drive in the United States. I can help you choose an insurance policy that will fit your needs today and tomorrow. Let’s talk.</p> <p style="text-align: left;"> </p> <p style="text-align: left;">To learn more about car insurance, contact Hamilton Nationwide Insurance Agency at (859) 276-1234 or go online at <a href="http://www.timhamiltoninsurance.net/">www.TimHamiltonInsurance.net</a></p> <p style="text-align: left;">&nbsp;</p> <p style="text-align: left;">Nationwide, based in Columbus, Ohio, is one of the largest diversified insurance and financial services organizations in the world, with more than $157 billion in assets. Nationwide ranks #98 on the Fortune 100 list. The company provides a full range of insurance and financial services, including auto, homeowners, life, health, commercial insurance, administrative services, annuities, mutual funds, pensions and long-term savings plans. For more information, visit <a href="http://www.nationwide.com/TimHamilton">www.nationwide.com/TimHamilton</a> </p> <p style="text-align: left;">&nbsp;</p> <i> <p style="text-align: left;">Nationwide and the Nationwide Framework are federally registered service marks of Nationwide Mutual Insurance Company. On Your Side is a service mark of Nationwide Mutual Insurance Company.</p> </i> urn:uuid:26a7c2e4-bd7d-4ae2-b73f-d83781649c47 Back to School - Part I Preschool, Daycare &amp; Nursery Safety Whether a religious organization operates a preschool, daycare or simply provides nursery care during its services, caring for and keeping the youngest members of a congregation sa...Tue, 01 Sep 2009 14:13:12 -0500<table dir=ltr border=0 cellSpacing=0 cellPadding=2 width=602> <tbody> <tr> <td width="98%"><b><font color=#104160 size=2 face=Verdana><font color=#104160 size=2 face=Verdana><font color=#104160 size=2 face=Verdana> <p dir=ltr>Back to School - Part I</p> <dir></b></font></font></font><font color=#5f5f5f size=2 face=Verdana><font color=#5f5f5f size=2 face=Verdana><font color=#5f5f5f size=2 face=Verdana> <p dir=ltr align=center>Preschool, Daycare &amp; Nursery Safety</p> <p dir=ltr align=center></p> <p dir=ltr>Whether a religious organization operates a preschool, daycare or simply provides nursery care during its services, caring for and keeping the youngest members of a congregation safe is of utmost importance. In this two-part series, we will provide simple suggestions to consider while reviewing the day-to-day operations of a preschool, daycare or nursery. </p> <p dir=ltr align=center></p> <dir> <p dir=ltr align=center>Insurance, License and Certificates</p> <p dir=ltr align=center></p> <dir></font></font></font><font color=#5f5f5f size=1 face=Verdana><font color=#5f5f5f size=1 face=Verdana><font color=#5f5f5f size=1 face=Verdana> <p dir=ltr>&#183; Does the insured have the proper insurance coverage in place for such operations? Has the number of participants – the rating basis – changed significantly?</p> <p dir=ltr>&#183; Has the church or synagogue obtained a current inspection and license to operate a preschool or daycare if required by state law?</p> <p dir=ltr>&#183; If an outside entity uses the insured’s space to operate such services, has the appropriate proof of insurance been obtained from that outside entity and does the policy have the appropriate lessor’s risk code?</p></dir></dir></font></font></font><font color=#5f5f5f size=2 face=Verdana><font color=#5f5f5f size=2 face=Verdana><font color=#5f5f5f size=2 face=Verdana> <p dir=ltr></p> <dir> <p dir=ltr align=center>Child Care Providers, Staff and Volunteers</p> <p dir=ltr align=center></p> <dir></font></font></font><font color=#5f5f5f size=1 face=Verdana><font color=#5f5f5f size=1 face=Verdana><font color=#5f5f5f size=1 face=Verdana> <p dir=ltr>&#183; Has the insured performed background checks and screening of all members of the child care team?</p> <p dir=ltr>&#183; Does the insured have enough care providers to maintain the required staff-to-student ratio?</p> <p dir=ltr>&#183; Do all care providers have basic training in first aid, CPR and other emergency life saving skills?</p> <p dir=ltr>&#183; Have all members of the child care team had appropriate training and do all members understand the state laws and the carrier’s guidelines for proper conduct and child supervision while on the job?</p></dir></dir></dir></font></font></font><font color=#5f5f5f size=2 face=Verdana><font color=#5f5f5f size=2 face=Verdana><font color=#5f5f5f size=2 face=Verdana> <p dir=ltr></p> <p dir=ltr>In next month’s newsletter, we will give you Part II of this two-part series with information on premises safety. </p></font></font></font><font face="Tms Rmn"> <p dir=ltr></p> <p dir=ltr></font></p></td> <td width="2%"><font face="Tms Rmn"> <p></font></p></td></tr></tbody></table><font face="Tms Rmn"></font>urn:uuid:789d0674-4112-4f61-8a6c-ebd5b58bfe35Rider knowledge: Nationwide offers 5 tips for choosing ATV insurance By Tim Hamilton &nbsp; As summer turns to fall, many ATV enthusiasts are enjoying time on their favorite trails. The experts at Nationwide remind owners to make sure their insurance...Sat, 29 Aug 2009 15:40:07 -0500<p style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" class=MsoNormal align=center><b style="mso-bidi-font-weight: normal"><span style="FONT-FAMILY: 'Arial Black'; FONT-SIZE: 16pt">Rider knowledge: Nationwide offers 5 tips for choosing ATV insurance<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></span></b></p> <p style="LINE-HEIGHT: 12pt; MARGIN: 12pt 0in 0pt; mso-layout-grid-align: none" class=MsoNormal><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black">By Tim Hamilton</span></i><b style="mso-bidi-font-weight: normal"><span style="FONT-FAMILY: 'Times New Roman'"><o:p></o:p></span></b></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><b style="mso-bidi-font-weight: normal"><span style="FONT-FAMILY: 'Times New Roman'"><o:p>&nbsp;</o:p></span></b></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: 'Times New Roman'">As summer turns to fall, many ATV enthusiasts are enjoying time on their favorite trails. The experts at Nationwide remind owners to make sure their insurance coverage is in gear before heading out for a ride.<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><b style="mso-bidi-font-weight: normal"><span style="FONT-FAMILY: 'Times New Roman'"><o:p>&nbsp;</o:p></span></b></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: 'Times New Roman'">“Over the past decade the popularity of ATVs has grown, with over seven million currently in use. Whether you’re riding a sport or utility ATV, its imperative that you protect your quad with the proper insurance coverage,” said <i style="mso-bidi-font-style: normal">Tim Hamilton </i>from <i style="mso-bidi-font-style: normal">Hamilton Nationwide Insurance Agency</i>.<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: 'Times New Roman'"><o:p>&nbsp;</o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: 'Times New Roman'">ATV owners should consider the following Nationwide tips when choosing coverage for their vehicle.<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: 'Times New Roman'"><o:p>&nbsp;</o:p></span></p> <p style="TEXT-INDENT: -0.15in; MARGIN: 0in 0in 0pt 0.15in; tab-stops: list .15in; mso-list: l0 level1 lfo1" class=MsoNormal><span style="FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol"><span style="mso-list: Ignore">&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp; </span></span></span><b style="mso-bidi-font-weight: normal"><span style="FONT-FAMILY: 'Times New Roman'">Cover your ATV with a dedicated policy</span></b><span style="FONT-FAMILY: 'Times New Roman'">. If your ATV is covered under a homeowner’s policy, you may not be as protected as you think. Many riders don’t realize that ATV damage usually is not covered under a homeowner’s policy if the ATV is driven off the insured individual’s property. Companies like Nationwide have stand-alone policies for ATVs that keep you covered on and off your property.<span style="mso-spacerun: yes">&nbsp;&nbsp; </span><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: 'Times New Roman'"><o:p>&nbsp;</o:p></span></p> <p style="TEXT-INDENT: -0.15in; MARGIN: 0in 0in 0pt 0.15in; tab-stops: list .15in; mso-list: l0 level1 lfo1" class=MsoNormal><span style="FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol"><span style="mso-list: Ignore">&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp; </span></span></span><b style="mso-bidi-font-weight: normal"><span style="FONT-FAMILY: 'Times New Roman'">Take a safety course</span></b><span style="FONT-FAMILY: 'Times New Roman'">. These courses will take you through every step of riding, from unloading your vehicle to traversing tough trails. Many companies offer policy discounts for riders who have completed a safety course.<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: 'Times New Roman'"><o:p>&nbsp;</o:p></span></p> <p style="TEXT-INDENT: -0.15in; MARGIN: 0in 0in 0pt 0.15in; tab-stops: list .15in; mso-list: l0 level1 lfo1" class=MsoNormal><span style="FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol"><span style="mso-list: Ignore">&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp; </span></span></span><b style="mso-bidi-font-weight: normal"><span style="FONT-FAMILY: 'Times New Roman'">Protect the extras</span></b><span style="FONT-FAMILY: 'Times New Roman'">. If you’re adding a personal touch to your ATV, check on insurance coverage first. Some policies include custom equipment as part of the standard coverage – a big benefit if you are investing in costly upgrades.<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: 'Times New Roman'"><o:p>&nbsp;</o:p></span></p> <p style="TEXT-INDENT: -0.15in; MARGIN: 0in 0in 0pt 0.15in; tab-stops: list .15in; mso-list: l0 level1 lfo1" class=MsoNormal><span style="FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol"><span style="mso-list: Ignore">&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp; </span></span></span><b style="mso-bidi-font-weight: normal"><span style="FONT-FAMILY: 'Times New Roman'">Stay on the road</span></b><span style="FONT-FAMILY: 'Times New Roman'">. Many owners trailer their ATVs to their favorite riding spot. Be sure your coverage includes reimbursement for lodging, transportation and meals if you are stranded due to an accident or breakdown. Nationwide provides assistance for riders in unexpected situations. <o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: 'Times New Roman'"><o:p>&nbsp;</o:p></span></p> <p style="TEXT-INDENT: -0.15in; MARGIN: 0in 0in 0pt 0.15in; tab-stops: list .15in; mso-list: l0 level1 lfo1" class=MsoNormal><span style="FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol"><span style="mso-list: Ignore">&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp; </span></span></span><b style="mso-bidi-font-weight: normal"><span style="FONT-FAMILY: 'Times New Roman'">Check to see if one policy can cover all your motorized transportation and toys</span></b><span style="FONT-FAMILY: 'Times New Roman'">.<span style="mso-spacerun: yes">&nbsp; </span>Nationwide policies cover up to 12 vehicles, including motorcycles, Segways</span><span style="FONT-FAMILY: Symbol; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-char-type: symbol; mso-symbol-font-family: Symbol"><span style="mso-char-type: symbol; mso-symbol-font-family: Symbol">ä</span></span><span style="FONT-FAMILY: 'Times New Roman'">, golf carts, dune buggies, and snowmobiles.<span style="mso-spacerun: yes">&nbsp; </span>Whether you travel on two wheels or four, don’t forget the proper coverage.<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black; mso-fareast-font-family: 'Times New Roman'"><o:p>&nbsp;</o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black; mso-fareast-font-family: 'Times New Roman'">Nationwide’s policies cover theft, collision, vandalism, and damage caused by uninsured or underinsured drivers with some conditions and exclusions. </span><span style="FONT-FAMILY: 'Times New Roman'">To learn more about </span><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black; mso-fareast-font-family: 'Times New Roman'">ATV or powersports insurance</span><span style="FONT-FAMILY: 'Times New Roman'">, contact <i style="mso-bidi-font-style: normal">Tim Hamilton or Monica Landers</i> at <i style="mso-bidi-font-style: normal">(859) 276-1234 </i>or visit www.nationwide.com/timhamilton.<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: 'Times New Roman'"><o:p>&nbsp;</o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><i style="mso-bidi-font-style: normal"><span style="FONT-FAMILY: 'Times New Roman'">Tim Hamilton lives in Lexington, KY and has been a Nationwide Agent for more than 20 years.<o:p></o:p></span></i></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black; mso-fareast-font-family: 'Times New Roman'"><o:p>&nbsp;</o:p></span></p> <p style="LINE-HEIGHT: 12pt; MARGIN: 0in 0in 0pt; mso-layout-grid-align: none" class=MsoNormal><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black; mso-fareast-font-family: 'Times New Roman'">Nationwide, based in <?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" /><st1:place w:st="on"><st1:City w:st="on">Columbus</st1:City>, <st1:State w:st="on">Ohio</st1:State></st1:place>, is one of the largest diversified insurance and financial services organizations in the world, with more than $160 billion in assets.<span style="mso-spacerun: yes">&nbsp; </span>Nationwide ranks #104 on the <i style="mso-bidi-font-style: normal">Fortune 500</i> list.<span style="mso-spacerun: yes">&nbsp; </span>The company provides </span><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-weight: bold">a full range of insurance and financial services, including auto, motorcycle, boat, homeowners, life, commercial insurance, administrative services, annuities, mortgages, mutual funds, pensions, long-term savings plans and health and productivity services. </span><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black; mso-fareast-font-family: 'Times New Roman'">For more information, visit </span><span style="FONT-FAMILY: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman'">www.nationwide.com/timhamilton.<span style="COLOR: black"><o:p></o:p></span></span></p>urn:uuid:381715b3-623e-4d66-b21f-47600c7ed6b4Do you know how much a flood can cost? The website below provides an interactive illustration of approximately how much a flood can cost depending on the amount of water. Try it out for yourself to understand&nbsp;the importance of flood insurance&nb...Fri, 14 Aug 2009 18:21:21 -0500<p dir=ltr>Do you know how much a flood can cost? The website below provides an interactive illustration of approximately how much a flood can cost depending on the amount of water. Try it out for yourself to understand&nbsp;the importance of flood insurance&nbsp;coverage:</p> <p dir=ltr>Click on the following link or copy and paste this address into your&nbsp;web browser:</p> <p dir=ltr><a href="http://www.floodsmart.gov/floodsmart/flash/flood_my_house_external.swf">http://www.floodsmart.gov/floodsmart/flash/flood_my_house_external.swf</a></p> <p>Questions about Flood Insurance? Contact Tim Hamilton or Monica Landers at 859-276-1234, email us at <a href="mailto:TimHamiltonAgency@nwagent.com"><u><font color=#0000ff>TimHamiltonAgency@nwagent.com</font></u></a>&nbsp;or visit our website at <a href="http://www.timhamiltoninsurance.net/"><u><font color=#0000ff>http://www.timhamiltoninsurance.net</font></u></a>.&nbsp; </p><br>urn:uuid:0a6ca5a0-0b4f-41f1-bedf-f65dfcbd4ef4&nbsp;Rider knowledge: Nationwide offers 5 tips for choosing ATV insurance By Tim Hamilton, LUTCF&nbsp; &nbsp;As summer turns to fall, many ATV enthusiasts are enjoying time on their favorite trails. The experts at Nationwide remind owners to make su...Sat, 08 Aug 2009 14:44:01 -0500<p align=center>&nbsp;<b><span style="FONT-FAMILY: 'Arial Black'; FONT-SIZE: 16pt">Rider knowledge: Nationwide offers 5 tips for choosing ATV insurance</span></b></p> <p style="LINE-HEIGHT: 12pt" align=center><strong><i><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black">By Tim Hamilton, LUTCF</span></i>&nbsp;</strong></p> <p><b><span style="FONT-FAMILY: 'Times New Roman'">&nbsp;</span></b><span style="FONT-FAMILY: 'Times New Roman'">As summer turns to fall, many ATV enthusiasts are enjoying time on their favorite trails. The experts at Nationwide remind owners to make sure their insurance coverage is in gear before heading out for a ride.</span></p> <p><b><span style="FONT-FAMILY: 'Times New Roman'">&nbsp;</span></b><span style="FONT-FAMILY: 'Times New Roman'">“Over the past decade the popularity of ATVs has grown, with over seven million currently in use. Whether you’re riding a sport or utility ATV, its imperative that you protect your quad with the proper insurance coverage,” said <i>Tim Hamilton </i>from <i>Hamilton Nationwide Insurance Agency</i>.</span></p> <p><span style="FONT-FAMILY: 'Times New Roman'">&nbsp;</span><span style="FONT-FAMILY: 'Times New Roman'">ATV owners should consider the following Nationwide tips when choosing coverage for their vehicle.</span></p> <p><span style="FONT-FAMILY: 'Times New Roman'">&nbsp;</span><span style="FONT-FAMILY: Symbol"><span>&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp; </span></span><b><span style="FONT-FAMILY: 'Times New Roman'">Cover your ATV with a dedicated policy</span></b><span style="FONT-FAMILY: 'Times New Roman'">. If your ATV is covered under a homeowner’s policy, you may not be as protected as you think. Many riders don’t realize that ATV damage usually is not covered under a homeowner’s policy if the ATV is driven off the insured individual’s property. Companies like Nationwide have stand-alone policies for ATVs that keep you covered on and off your property.&nbsp;&nbsp; </span></p> <p><span style="FONT-FAMILY: 'Times New Roman'">&nbsp;</span><span style="FONT-FAMILY: Symbol"><span>&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp; </span></span><b><span style="FONT-FAMILY: 'Times New Roman'">Take a safety course</span></b><span style="FONT-FAMILY: 'Times New Roman'">. These courses will take you through every step of riding, from unloading your vehicle to traversing tough trails. Many companies offer policy discounts for riders who have completed a safety course.</span></p> <p><span style="FONT-FAMILY: 'Times New Roman'">&nbsp;</span><span style="FONT-FAMILY: Symbol"><span>&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp; </span></span><b><span style="FONT-FAMILY: 'Times New Roman'">Protect the extras</span></b><span style="FONT-FAMILY: 'Times New Roman'">. If you’re adding a personal touch to your ATV, check on insurance coverage first. Some policies include custom equipment as part of the standard coverage – a big benefit if you are investing in costly upgrades.</span></p> <p><span style="FONT-FAMILY: 'Times New Roman'">&nbsp;</span><span style="FONT-FAMILY: Symbol"><span>&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp; </span></span><b><span style="FONT-FAMILY: 'Times New Roman'">Stay on the road</span></b><span style="FONT-FAMILY: 'Times New Roman'">. Many owners trailer their ATVs to their favorite riding spot. Be sure your coverage includes reimbursement for lodging, transportation and meals if you are stranded due to an accident or breakdown. Nationwide provides assistance for riders in unexpected situations. </span></p> <p><span style="FONT-FAMILY: 'Times New Roman'">&nbsp;</span><span style="FONT-FAMILY: Symbol"><span>&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp; </span></span><b><span style="FONT-FAMILY: 'Times New Roman'">Check to see if one policy can cover all your motorized transportation and toys</span></b><span style="FONT-FAMILY: 'Times New Roman'">.&nbsp; Nationwide policies cover up to 12 vehicles, including motorcycles, Segways</span><span style="FONT-FAMILY: Symbol">ä</span><span style="FONT-FAMILY: 'Times New Roman'">, golf carts, dune buggies, and snowmobiles.&nbsp; Whether you travel on two wheels or four, don’t forget the proper coverage.</span></p> <p><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black">&nbsp;</span><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black">Nationwide’s policies cover theft, collision, vandalism, and damage caused by uninsured or underinsured drivers with some conditions and exclusions. </span><span style="FONT-FAMILY: 'Times New Roman'">To learn more about </span><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black">ATV or powersports insurance</span><span style="FONT-FAMILY: 'Times New Roman'">, contact <i>Tim Hamilton or Monica Landers</i> at <i>(859) 276-1234 </i>or visit <a href="http://www.nationwide.com/timhamilton">www.nationwide.com/timhamilton</a> or <a href="http://www.timhamiltoninsurance.net">www.timhamiltoninsurance.net</a>.</span></p> <p><i><span style="FONT-FAMILY: 'Times New Roman'">Tim Hamilton lives in Lexington, KY and has been a Nationwide Agent for more than 20 years.</span></i></p> <p><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black"></span></p> <p style="LINE-HEIGHT: 12pt"><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black">Nationwide, based in Columbus, Ohio, is one of the largest diversified insurance and financial services organizations in the world, with more than $160 billion in assets.&nbsp; Nationwide ranks #104 on the <i>Fortune 500</i> list.&nbsp; The company provides </span><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black">a full range of insurance and financial services, including auto, motorcycle, boat, homeowners, life, commercial insurance, administrative services, annuities, mortgages, mutual funds, pensions, long-term savings plans and health and productivity services. </span><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black">For more information, visit </span><span style="FONT-FAMILY: 'Times New Roman'">www.nationwide.com/timhamilton. </span></p> <p><span style="FONT-FAMILY: 'Times New Roman'"></span></p> <p><i><span style="FONT-FAMILY: 'Times New Roman'; FONT-SIZE: 10pt">Nationwide, the Nationwide Framemark and On Your Side are federally registered service marks of Nationwide Mutual Insurance Company.&nbsp; </span></i></p></span></span></span></span></span>urn:uuid:59149282-c05e-42cd-9a99-7a1aaf5236a6Nationwide&#174; Insurance survey: Distracted drivers fuel need for defensive riding &nbsp;By Tim Hamilton, LUTCF Findings in the Nationwide Insurance Driving While Distracted survey highlight the need for motorcyclists to ride defensively. While 9...Fri, 31 Jul 2009 21:43:42 -0500<h1 style="TEXT-ALIGN: center" align=center><font face="Arial Black"><span style="FONT-STYLE: normal; FONT-SIZE: 16pt">Nationwide</span><span style="FONT-STYLE: normal; FONT-SIZE: 16pt">&#174;</span><span style="FONT-STYLE: normal; FONT-SIZE: 16pt"> Insurance survey: Distracted drivers fuel need for defensive riding</span></font></h1> <p><span style="FONT-FAMILY: 'Times New Roman'">&nbsp;</span><i><span style="FONT-FAMILY: 'Times New Roman'">By Tim Hamilton, LUTCF </span></i></p> <p><span style="FONT-FAMILY: 'Times New Roman'">Findings in the Nationwide Insurance Driving While Distracted survey highlight the need for motorcyclists to ride defensively. </span></p> <p><span style="FONT-FAMILY: 'Times New Roman'">W</span><span style="FONT-FAMILY: 'Times New Roman'">hile 98 percent of Americans claim to be safe drivers, 72 percent of all drivers admit to partaking in some form of distracting behavior while driving, from cell phone use to eating. </span></p> <p><span style="FONT-FAMILY: 'Times New Roman'"></span></p> <p><span style="FONT-FAMILY: 'Times New Roman'">“Drivers need to be aware of the hazard they pose when they are inattentive,” said <i>Tim Hamilton, LUTCF</i>. “Distracted driving is a danger to all sharing the road – but motorcyclists in particular will benefit from more conscientious motorists.”</span></p> <p><span style="FONT-FAMILY: 'Times New Roman'">Here, <i>Hamilton</i> offers key survey findings and tips for riders sharing the road with distracted drivers.</span></p> <p><span style="FONT-FAMILY: 'Times New Roman'"></span></p> <p class=ListParagraph><span style="FONT-FAMILY: Symbol"><span>&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style="FONT-FAMILY: 'Times New Roman'">Distractions made up three of the top four reasons why survey respondents needed to suddenly apply the brakes while driving. While other drivers were cited as the top reason for sudden stops, daydreaming, adjusting music and use of a cell phone/electronic device filled out the top four. </span></p> <p class=ListParagraph><span style="FONT-FAMILY: 'Times New Roman'">&nbsp;</span><span style="FONT-FAMILY: Symbol"><span>&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><b><span style="FONT-FAMILY: 'Times New Roman'">Rider tip:</span></b><span style="FONT-FAMILY: 'Times New Roman'"> Look inside a vehicle’s windows to determine if a driver is fully focused on the road. If a driver appears distracted, try to avoid passing the vehicle. Or, if you must pass, give the car additional space.</span></p> <p><span style="FONT-FAMILY: 'Times New Roman'">&nbsp;</span><span style="FONT-FAMILY: Symbol"><span>&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style="FONT-FAMILY: 'Times New Roman'">Overall, more cell phone owners found themselves talking or texting while driving on highways or through city streets than when they were parked, in traffic or at a light (almost 50 percent vs. almost 37 percent).</span></p> <p class=ListParagraph><span style="FONT-FAMILY: 'Times New Roman'">&nbsp;</span><span style="FONT-FAMILY: Symbol"><span>&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><b><span style="FONT-FAMILY: 'Times New Roman'">Rider tip: </span></b><span style="FONT-FAMILY: 'Times New Roman'">Drivers might pose a greater risk while moving, but remember to fully study your surroundings (including checking your mirrors) while stopped. You can identify who has seen you – and who is distracted - and adjust your actions accordingly.<b></b></span></p> <p><b><span style="FONT-FAMILY: 'Times New Roman'">&nbsp;</span></b><span style="FONT-FAMILY: Symbol"><span>&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><span style="FONT-FAMILY: 'Times New Roman'">When asked what would be the most successful in preventing cell phone use while driving, survey respondents were closely split; 43 percent said technology that would prevent cell phones from working in the car, while 42 percent said laws banning the use of cell phones/electronic devices while driving.<b></b></span></p> <p class=ListParagraph><b><span style="FONT-FAMILY: 'Times New Roman'">&nbsp;</span></b><span style="FONT-FAMILY: Symbol"><span>&#183;<span style="FONT: 7pt 'Times New Roman'">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span><b><span style="FONT-FAMILY: 'Times New Roman'">Rider tip: </span></b><span style="FONT-FAMILY: 'Times New Roman'">Current laws and technology allow motorists to use cell phones while driving. Take care to leave your headlights on, use reflective strips on your clothing and motorcycle, avoid blind spots and flash your brake lights when stopping to maximize your chance of being seen by a distracted driver.<b></b></span></p> <p><span style="FONT-FAMILY: 'Times New Roman'">Even the most cautious enthusiasts should make sure their vehicles are covered in case of a collision. Nationwide’s motorcycle insurance policies cover theft, collision, vandalism and damage caused by uninsured or underinsured drivers. </span></p> <p><span style="FONT-FAMILY: 'Times New Roman'"></span></p> <p><span style="FONT-FAMILY: 'Times New Roman'">To learn more about motorcycle insurance or power sports insurance, contact <i>Tim Hamilton, LUTCF or Monica Landers</i> at <i>(859) 276-1234 </i>or visit <a href="http://www.TimHamiltonInsurance.net">www.TimHamiltonInsurance.net</a>.</span></p> <p><span style="FONT-FAMILY: 'Times New Roman'"></span></p> <p><i><span style="FONT-FAMILY: 'Times New Roman'">Tim Hamilton, LUTCF lives in Lexington, KY and has been a Nationwide Agent for more than 20 years.</span></i></p> <p><b><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black"></span></b></p> <p style="LINE-HEIGHT: 12pt"><b><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black">Methodology:</span></b></p> <p style="LINE-HEIGHT: 12pt"><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black">The survey was conducted via phone by MRSI. A total of 1,503 phone surveys were completed between April 15 and April 24, 2008, among a national sample. All respondents were required to be between the ages of 16 and 61 and drive a car. A total of 749 men and 754 women were surveyed. The survey has 2.5 percent margin of error.</span></p> <p style="LINE-HEIGHT: 12pt"><b><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black">&nbsp;</span></b><b><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black">About Nationwide:</span></b></p> <p style="LINE-HEIGHT: 12pt"><span style="FONT-FAMILY: 'Times New Roman'; COLOR: black">Nationwide, based in Columbus, Ohio, is one of the largest diversified insurance and financial services organizations in the world, with more than $161 billion in assets. Nationwide ranks #108 on the <i>Fortune 500</i> list. The company provides a full range of insurance and financial services, including auto, motorcycle, boat, homeowners, life, farm, commercial insurance, administrative services, annuities, mortgages, mutual funds, pensions, long-term savings plans and health and productivity services. For more information, visit </span><span style="FONT-FAMILY: 'Times New Roman'">www.nationwide.com/TimHamilton. </span></p> <p><span style="FONT-FAMILY: 'Times New Roman'">&nbsp;</span><i><span style="FONT-FAMILY: 'Times New Roman'; FONT-SIZE: 10pt">Nationwide, the Nationwide Framemark and On Your Side are federally registered service marks of Nationwide Mutual Insurance Company. Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies.&nbsp; Home Office:&nbsp; Columbus, OH 43215.&nbsp; Subject to underwriting guidelines, review, and approval.&nbsp; Products and discounts not available to all persons in all states.</span></i></p></span></span></span></span></span></span>urn:uuid:2c664d9b-b3be-4bbd-8c01-31e64800902b In June, 2009, President Obama signed into law the Car Allowance Rebate System (CARS) also known as "Cash for Clunkers". This program, administered by the National Highway Traffic Safety Administration (NHTSA), is designed to increase fuel efficienc...Wed, 22 Jul 2009 14:39:39 -0500<font size=2 face=Arial><font size=2 face=Arial> <p>In June, 2009, President Obama signed into law the Car Allowance Rebate System (CARS) also known as "Cash for Clunkers". This program, administered by the National Highway Traffic Safety Administration (NHTSA), is designed to increase fuel efficiency and stimulate auto sales.&nbsp;<br><br><b><font size=2 face=Arial><font size=2 face=Arial><font color=#0000ff>Program Highlights</font></p></b> <ul dir=ltr> <li>CARS (or the "Cash for Clunkers" program) is designed to increase fuel efficiency and stimulate auto sales. </li> <li> <div>This program will help consumers purchase a new, more fuel efficient vehicle when trading in a less fuel efficient vehicle.</div></li> <li> <div>Consumers can get between $3,500 and $4,500 per vehicle, depending on fuel efficiency of the new vehicle vs. the old vehicle.</div></li> <li> <div align=left>The NHTSA is scheduled to release regulations regarding required forms for compliance with CARS on or around July 24.&nbsp;&nbsp;</div></li></ul> <p><b><font color=#0000ff size=2 face=Arial><font color=#0000ff size=2 face=Arial><font color=#0000ff size=2 face=Arial><b><font size=2 face=Arial><font size=2 face=Arial>What we know so far</p></b></font></font> <p></b></font></font></font>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p> <ul dir=ltr> <li> <div align=left><b><font size=2 face=Arial><font size=2 face=Arial>&nbsp;</b>Consumers will be required to provide proof that their trade-in vehicle has been continuously insured for the most recent 12 months. </div></li> <li dir=ltr>The federal government has yet to define many details of this program, including what will be accepted as proof of continuous coverage.</li> <li dir=ltr>Consumers can visit </font></font><u><font color=#0000ff size=2 face=Arial><font color=#0000ff size=2 face=Arial><font color=#0000ff size=2 face=Arial>www.cars.gov</u></font></font></font><font size=2 face=Arial><font size=2 face=Arial> to determine eligibility and review information about the program. </li> <p>Since CARS is a Federal program and not a Nationwide program, consumers should rely on the CARS website for their information.<br>&nbsp;<br><font size=2 face=Arial><font size=2 face=Arial>Our job will be to provide any policyholder or prior policyholder with the evidence of insurance. Once the NHTSA regulations for compliance are finalized, we will provide additional information regarding the program and what forms you may be asked to provide.</p></font></font></font></font></ul></font></font></font></font>urn:uuid:cb357d6b-014d-4d2e-9358-fbc9d0ee8d6b Kentucky Department of Insurance Alert "Zero Premium" Life Insurance Under Investigation The Kentucky Department of Insurance (DOI) has received several inquiries from licensed agents who have received solicitations regarding a "zero premium" life...Sun, 19 Jul 2009 22:46:04 -0500<b><u><font size=6> <p align=center>Kentucky Department of Insurance Alert </p></u></font><font size=4> <p align=center>"Zero Premium" Life Insurance Under Investigation </p></b></font><font size=4 face="Book Antiqua,Book Antiqua"><font size=4 face="Book Antiqua,Book Antiqua"> <p align=left>The Kentucky Department of Insurance (DOI) has received several inquiries from licensed agents who have received solicitations regarding a "zero premium" life insurance product. </p> <p align=left>Often pitched as a "final expense program," the material sent to agents, generally by fax or e-mail, outlines either a universal or whole life insurance product, typically for consumers who are 65-85 years old. The plan features very limited underwriting (one online listing claims 99 percent of applications are approved), a $250 commission for the agent, and no cost to the consumer. Although not fully explained in the solicitations, an unidentified third party pays the premiums, often through a premium financing arrangement. </p> <p align=left>In the scenario most commonly offered, the policy has a face value of $50,000. At the time of death, a beneficiary chosen by the insured will receive a $15,000 death benefit, and the third party receives the remaining $35,000. </p> <p align=left>The solicitations do not disclose the name of the insurance company involved or other relevant details. Some provide a list of states where the plans allegedly are approved for sale with a statement that other states are pending. One agent was told that June 1 is the "kick-off" date in Kentucky. </p> <p align=left>DOI is currently investigating the sales material and the practice in general to determine if there are any violations of Kentucky’s insurance law. Any agent or consumer who receives a solicitation for one of these products should call the department at 800-595-6053 and ask to speak to someone in the Consumer Protection and Education Division. </p></font></font><font size=3 face="Book Antiqua,Book Antiqua"><font size=3 face="Book Antiqua,Book Antiqua"> <p>08/2008 </p></font></font>urn:uuid:bdb1a610-262b-4d58-b903-4d14f889095f Nationwide Survey Shows Startling Number of Americans Guilty of DWD Culture of multitasking spreading to the roads, leading many to “Drive While Distracted” Date Released: 07/16/2009 You've seen them in your rear view mirror or in the car...Fri, 17 Jul 2009 22:36:36 -0500<table> <tbody> <tr> <td> <h2 style="TEXT-TRANSFORM: uppercase; FONT-FAMILY: Arial, Helvetica, sans-serif; FONT-SIZE: 17px" align=center>Nationwide Survey Shows Startling Number of Americans Guilty of DWD</h2></td></tr> <tr> <td> <div align=center> <div style="BORDER-BOTTOM: #e9e9e9 1px dotted; BORDER-LEFT: #e9e9e9 1px dotted; PADDING-BOTTOM: 15px; BACKGROUND-COLOR: white; MARGIN: 3px; PADDING-LEFT: 15px; WIDTH: 430px; PADDING-RIGHT: 15px; BORDER-TOP: #e9e9e9 1px dotted; BORDER-RIGHT: #e9e9e9 1px dotted; PADDING-TOP: 15px" class=con>Culture of multitasking spreading to the roads, leading many to “Drive While Distracted” </div></div></td></tr> <tr> <td height=5></td></tr> <tr> <td><em>Date Released: 07/16/2009</em></td></tr> <tr> <td>You've seen them in your rear view mirror or in the car next to you. Sometimes they’re putting on makeup while steering with their knees, punching text messages into a phone without ever looking up at the road, or using a BlackBerry to read e-mail with one hand and steering with a cup of coffee in the other. Or, perhaps you’ve seen – or even done – worse. <p>A new survey by Nationwide Mutual Insurance shows “Driving While Distracted” (DWD) is quite prevalent among today’s drivers and more dangerous than you might think. In fact, the National Highway Traffic Safety Administration says distracted drivers account for almost 80 percent of all crashes in the U.S. <p>As found by Nationwide’s survey, even those who perceive themselves as safe drivers admit to doing outlandish things behind the wheel, including changing clothes, balancing a checkbook and shaving. In fact, more than 80 percent of drivers surveyed identified themselves as multitaskers. <p>According to the survey of 1,200 Americans, 83 percent of those polled believe they are safe drivers and 59 percent don’t consider themselves distracted drivers. However, 73 percent talk on cell phones, only 16 percent drive at or below the speed limit, and 38 percent admit they have driven a certain distance without any recollection of doing so. <p>What exactly do people do behind the wheel? According to the survey, 31 percent of respondents say they daydream; 23 percent experience road rage; 19 percent fix their hair, text or instant message; 14 percent comfort or discipline children; and 8 percent drive with a pet in their lap. <p>Other multitasking efforts drivers admit to doing include: <blockquote style="MARGIN-RIGHT: 0px" dir=ltr> <p>&#8226; Changing seats with passengers <br>&#8226; Reading a book <br>&#8226; Watching a movie <br>&#8226; Writing a grocery list <br>&#8226; Nursing a baby <br>&#8226; Putting in contact lenses </p></blockquote> <p>Driving requires significant attention and multitasking while behind the wheel poses a threat to you and your fellow drivers. Here are some tips to stay safe: <blockquote style="MARGIN-RIGHT: 0px" dir=ltr> <p>&#8226; Drive defensively—be aware of what others around you are doing and expect the&nbsp; unexpected. <br>&#8226; Keep both hands on the steering wheel. <br>&#8226; Build time into your trip schedule to stop for food, rest breaks and making necessary phone calls or other business <br>&#8226; Adjust your seat, mirrors, and climate controls before putting the car in gear. <br>&#8226; Pre-program your favorite radio stations and pre-load your CD's before leaving. <br>&#8226; Get plenty of rest before getting behind the wheel and take a break if you find yourself lost in thought or have difficulty focusing on the road ahead. <br>&#8226; Don’t use a cell phone or any other electronic device while driving. If you have to make a call, keep it short and always avoid stressful or emotional conversations. <br>&#8226; Secure cargo that may move around while the vehicle is in motion. Don’t attempt to retrieve items that fall to the floor. <br>&#8226; Pull over to eat or drink - it only takes a few minutes. If you have to eat while driving, select easy- to-eat foods and a spill proof cup. <br>&#8226; Have items needed within easy reach: toll fees, toll cards, garage passes, etc. &#8226; Give yourself time to react. Keep a two second cushion between you and the car in front of you—four seconds if the weather is bad. <br>&#8226; Don’t speed—it gives you less time to react and increases the severity of an accident. <br>&#8226; And, of course, always wear your seat belt and drive sober and drug-free. </p></blockquote> <p>For more information on multitasking while driving, contact Tim Hamilton at (859) 276-1234 or go online at <a href="http://www.timhamiltoninsurance.com">www.timhamiltoninsurance.net </a>. Tim Hamilton lives in Lexington, KY and has been a Nationwide Agent for more than 20 years.</p></td></tr></tbody></table>