http://www.beelerinsurance.com/blog/View Beeler Insurance's Website Blogen-uspostmaster@www.beelerinsurance.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:b2897187-65d0-4635-83ff-10c9a3af409furn:uuid:0033fbbb-6520-405d-92e2-dc237a94e335<img src='http://www.beelerinsurance.com/img/~www.beelerinsurance.com/Man%20in%20Coffee%20Beans.bmp' align='left' />The trick is to find the man in the photo of the coffee beans below.&nbsp; He really is in there and after finding him you may ask yourself "How did I miss that?". It is reported that if you find the man in the first 3 seconds that the right side...Wed, 08 Dec 2010 09:13:59 -0600<span style="font-family: verdana; font-size: 16px;">The trick is to find the man in the photo of the coffee beans below.&nbsp; He really is in there and after finding him you may ask yourself "How did I miss that?".<br /> <br /> <img alt="" src="/img/~www.beelerinsurance.com/Man%20in%20Coffee%20Beans.bmp" /><br /> <br /> <br /> It is reported that if you find the man in the first 3 seconds that the right side of your brain is highly developed.<br /> It is reported that if you find the man in 4 seconds up to 1 minute the right side of your brain is developed normally.<br /> If is reported that if you find the man between 1 minute and 3 minutes you may need to consult your diet to add foods that will assist in developing your right brain.<br /> It is reported that if you can not find the main after 3 minutes you should consult a physician and regularly seek exercises like these to develop your right brain.<br /> <br /> Now, if you are still looking for the man look directly above the word "if" in each of the four sentences above.&nbsp; Ah ha, there he is.<br /> <br /> I hope you enjoyed this exercise as much as I did.&nbsp; By the way, I fell in the 3 seconds to 1 minute category.&nbsp; How bout you?<br /> Till next time,<br /> Chris Beeler</span>urn:uuid:6035a218-21d2-4602-b4ed-2165261f447cHello Beeler Bloggers, &nbsp;Safeco Insurance&nbsp;released the neatest widget today allowing you to take a simple 5 question quiz about distracted driving.&nbsp; Give a try and see how you score. &nbsp; H...Thu, 02 Sep 2010 16:23:24 -0500<p style="text-align: left;"><span style="font-family: verdana; font-size: 18px;">Hello Beeler Bloggers,<br /> &nbsp;<a href="http://www.safeco.com" target="_blank"><span style="font-size: 18px;">Safeco Insurance</span></a>&nbsp;released the neatest widget today allowing you to take a simple 5 question quiz about <a href="http://en.wikipedia.org/wiki/Mobile_phones_and_driving_safety" target="_blank"><span style="font-size: 18px;">distracted driving</span></a>.&nbsp; Give a try and see how you score. <table align="center"> <tbody> <tr> <td>&nbsp;<iframe height="400" src="http://safecoagent.com/webwidgets/SAFECO_DistractedQuiz_ldr.html" frameborder="no" width="240" name="iframeTest" scrolling="no"> </iframe> </td> </tr> </tbody> </table> <br /> How did you do?&nbsp; Were you suprised at some of the answers?&nbsp; Drop us a line at <a href="mailto:chris@beelerinsurance.com"><span style="font-size: 18px;">chris@beelerinsurance.com</span></a> with your comments or visit <a href="http://www.beelerinsurance.com"><span style="font-size: 18px;">www.beelerinsurance.com</span></a> now to get a Safeco Insurance quote.<br /> Til next time,<br /> Chris Beeler<br /> <p>&nbsp;</p> </span></p> <p>&nbsp;</p>urn:uuid:3c019095-fb6c-472a-a7de-50c9d3f55e43<img src='http://www.beelerinsurance.com/img/~www.beelerinsurance.com/police-officer-writing-ticket.jpg.jpg' align='left' /> &nbsp; Sunday marks the end of a 30-day grace period as state troopers begin to write citations instead of warnings for drivers caught violating one of Georgia's two new texting laws. ...Sun, 01 Aug 2010 12:48:17 -0500<p itxtvisited="1"><span style="font-family: verdana; font-size: 18px;"> <table> <tbody> <tr> <td><img width="313" height="199" alt="" style="width: 290px; height: 164px;" src="/img/~www.beelerinsurance.com/police-officer-writing-ticket.jpg.jpg" />&nbsp;</td> <td> <p style="text-align: left;"><span style="font-size: 18px;">Sunday marks the end of a 30-day grace period as state troopers begin to write citations instead of warnings for drivers caught violating one of Georgia's two new texting laws.</span></p> </td> </tr> </tbody> </table> <br /> The two new texting laws went into effect on July 1, but the Georgia State Patrol wanted to give drivers time to learn the new rules and change their habits.</span></p> <p itxtvisited="1"><span style="font-family: verdana; font-size: 18px;">One law bans teens from talking or texting on a cell phone while driving</span></p> <p itxtvisited="1"><span style="font-family: verdana; font-size: 18px;">The other law impacts everyone by making it illegal for anyone to write or read a text or an e-mail or even surf the web on your cell phone if you're behind the wheel.&nbsp; The law applies if you're stuck in heavy traffic or stopped at a red light.</span></p> <p itxtvisited="1"><span style="font-family: verdana; font-size: 18px;">Troopers admit enforcing the law will be tough.&nbsp; "Is it impossible? No," said Major Mark McDonough of the Georgia Stat Patrol. "It's going to require the trooper to do some observation in order to develop the reason why he pulls them over."</span></p> <p itxtvisited="1"><span style="font-family: verdana; font-size: 18px;">A citation will cost $150 plus a point on your driving record.<br /> <br /> So, be safe while driving by not texting while driving or it could cost you big.<br /> Til next time,<br /> Chris Beeler</span></p>urn:uuid:9c4ce69c-bb83-4139-9a32-747d9502ef17Hello Beeler Bloggers, I submit the latest post to the Beeler Insurance blog while taking in Grandview Point&nbsp;at the South Rim of the Grand Canyon. &nbsp; &nbsp; View Beeler Family Summer Vacati...Sat, 19 Jun 2010 10:03:27 -0500<span style="font-family: verdana;"><span style="font-size: 18px;">Hello Beeler Bloggers,<br /> I submit the latest post to the Beeler Insurance blog while taking in Grandview Point&nbsp;at the South Rim of the Grand Canyon.</span><br /> <span style="font-size: 18px;">&nbsp; <table> <tbody> <tr> <td><img width="1433" height="1075" alt="" style="width: 310px; height: 308px;" src="https://www.insurancewebsitebuilder.com/img/~www.beelerinsurance.com/Grandview.JPG" />&nbsp;</td> <td><iframe height="300" marginheight="0" src="http://maps.google.com/maps/ms?hl=en&amp;ie=UTF8&amp;msa=0&amp;msid=100708303193585326863.0004856b407a23dbd213b&amp;ll=36.949892,-96.416016&amp;spn=21.019125,26.367188&amp;z=4&amp;output=embed" frameborder="0" width="300" marginwidth="0" scrolling="no"></iframe><br /> <small>View <a href="http://maps.google.com/maps/ms?hl=en&amp;ie=UTF8&amp;msa=0&amp;msid=100708303193585326863.0004856b407a23dbd213b&amp;ll=36.949892,-96.416016&amp;spn=21.019125,26.367188&amp;z=4&amp;source=embed" style="text-align: left; color: #0000ff;">Beeler Family Summer Vacation Map</a></small>&nbsp;</td> </tr> </tbody> </table> <br /> Yes this is the view that I actually snapped with my phone just now and beside it is a road map that I created using Google's My Maps.<br /> <br /> So, you may be thinking to yourself one of the same questions I get asked almost everyday.&nbsp; "How much vacation time do you have?", "How can you take that much time off?", "How are you able to do that?", "How can you afford it?"<br /> <br /> Well, the answers are: I am still working every day.&nbsp; My plan is to enjoy 6 weeks on the road and I can do so because my income is not taking a hit.&nbsp; You see, technology allows me to still effectively serve my clients even while enjoying a great quality of life.&nbsp; Check out this video to learn more.<br /> <embed height="385" type="application/x-shockwave-flash" width="480" src="http://www.youtube.com/v/SvtwPiv0CJs&amp;hl=en_US&amp;fs=1&amp;rel=0" allowscriptaccess="always" allowfullscreen="true" /><br /> <br /> Now, several things are absolutely essential to make this happen:<br /> 1.&nbsp; A great staff back at the physical location<br /> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Without cooperative staff my journey would not be possible<br /> 2.&nbsp; 3G data/internet coverage by Verizon Wireless<br /> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There really is a map for that and their map is awesome<br /> 3.&nbsp; Remote Desktop Technology from Microsoft<br /> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When I work remotely my laptop screen becomes my desktop<br /> 4.&nbsp; Great clients<br /> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;It is essential that your clients don't begrudge you enjoying a great quality of life.&nbsp; My clients definitely don't begrudge and, in fact, are enjoying seeing our posts on Facebook &amp; Twitter to follow &amp; interact with us on our trip.<br /> If you are hesitant to believe that your clients could be happy about your success simply read&nbsp;<a href="http://www.facebook.com/beelerinsurance#!/beelerinsurance?v=app_6261817190" target="_blank"><span style="font-size: 18px;">the most recent review</span></a> posted the <a href="http://www.facebook.com/beelerinsurance#!/beelerinsurance?v=app_6261817190" target="_blank"><span style="font-size: 18px;">Beeler Insurance Facebook Page</span><br /> </a><br /> <br /> Living and enjoying life is what I am passionate about and I am thankful that technology allows me to effectively serve my clients while doing so.<br /> Till next time,<br /> Chris Beeler</span></span>urn:uuid:27bfe507-08f0-46fc-9b5c-bf7df504ada5<img src='http://www.dsmtuners.com/forums/attachments/hangout/109975d1274654760-her-last-call-cell-phone-pics-image001.jpg' align='left' />Hello Beeler bloggers, Memorial Day weekend is upon us.&nbsp; Take so time this weekend to memorialize &amp; remember those who paid the ultimate price for our freedom. Also, please take time to exercise extreme caution on the road ways.&nbsp; This ...Fri, 28 May 2010 09:46:37 -0500<span style="font-size: 18px;">Hello Beeler bloggers,<br /> Memorial Day weekend is upon us.&nbsp; Take so time this weekend to memorialize &amp; remember those who paid the ultimate price for our freedom.<br /> <br /> Also, please take time to exercise extreme caution on the road ways.&nbsp; This post is about a driver who was talking on&nbsp;a cell phone and didn't see on on-coming motorcycle.&nbsp; You can see the entire story by </span><a href="http://www.dsmtuners.com/forums/hangout/371369-her-last-call-cell-phone-pics.html" target="_blank"><span style="font-size: 18px;">clicking here</span></a><br /> <table> <tbody> <tr> <td><img style="margin: 2px; width: 420px; height: 264px;border: 0px solid;" title="Name: image001.jpg Views: 844 Size: 41.9 KB" alt="Can you see the motorcycle?" src="http://www.dsmtuners.com/forums/attachments/hangout/109975d1274654760-her-last-call-cell-phone-pics-image001.jpg" onload="NcodeImageResizer.createOn(this);" originalHeight="360" originalWidth="480" />&nbsp;</td> <td><strong>Can you see the&nbsp;motorcycle?</strong>&nbsp;</td> </tr> </tbody> </table> <br /> <span style="font-size: 18px;">How bout now?</span><br /> <table> <tbody> <tr> <td><img width="421" height="260" style="margin: 2px; width: 359px; height: 253px;border: 0px solid;" title="Name: image002.jpg Views: 835 Size: 40.0 KB" alt="Name: image002.jpg Views: 835 Size: 40.0 KB" src="http://www.dsmtuners.com/forums/attachments/hangout/109976d1274654760-her-last-call-cell-phone-pics-image002.jpg" onload="NcodeImageResizer.createOn(this);" originalHeight="360" originalWidth="480" />&nbsp;</td> <td><img width="361" height="269" style="margin: 2px; width: 336px; height: 251px;border: 0px solid;" title="Name: image003.jpg Views: 833 Size: 45.5 KB" alt="Name: image003.jpg Views: 833 Size: 45.5 KB" src="http://www.dsmtuners.com/forums/attachments/hangout/109977d1274654760-her-last-call-cell-phone-pics-image003.jpg" onload="NcodeImageResizer.createOn(this);" originalHeight="360" originalWidth="480" />&nbsp;</td> </tr> </tbody> </table> <br /> <br /> <span style="font-size: 18px;">The Honda rider was traveling at approximately 85 mph. The VW driver was talking on a cell phone when she pulled out from a side street, apparently not seeing the motorcycle. The riders reaction time was not sufficient enough to avoid this accident. The car had two passengers and the bike rider was found INSIDE the car with them. The Volkswagen actually flipped over from the force of impact and landed 20 feet from where the collision took place.<br /> <br /> <table> <tbody> <tr> <td><img width="421" height="298" style="margin: 2px;border: 0px solid;" title="Name: image004.jpg Views: 836 Size: 40.3 KB" alt="Name: image004.jpg Views: 836 Size: 40.3 KB" src="http://www.dsmtuners.com/forums/attachments/hangout/109978d1274654760-her-last-call-cell-phone-pics-image004.jpg" onload="NcodeImageResizer.createOn(this);" originalHeight="360" originalWidth="480" />&nbsp;</td> <td><br /> <strong>All three involved (two in the car and the bike rider) were<br /> killed instantly. This graphic demonstration was placed at<br /> the Motorcycle Fair by the Police and Road Safety Department.<br /> <br /> Please think twice about using your cell while driving.</strong>&nbsp;</td> </tr> </tbody> </table> </span><br /> <span style="font-size: 18px;">Until next time,<br /> Chris Beeler</span>urn:uuid:9c2b9b03-e9db-4197-bbca-79c4aaebb6b7Hello Beeler Bloggers, This is a quick and easy post today.&nbsp; I am blogging about a video (less than two minutes long) about how a lost generation can be reversed if we just take action.&nbsp; I hope you enjoy it as much as I did. Email me your...Mon, 03 May 2010 13:42:35 -0500<span style="font-family: verdana; font-size: 18px;">Hello Beeler Bloggers,<br /> This is a quick and easy post today.&nbsp; I am blogging about a video (less than two minutes long) about how a lost generation can be reversed if we just take action.&nbsp; I hope you enjoy it as much as I did.<br /> <embed height="405" type="application/x-shockwave-flash" width="500" src="http://www.youtube.com/v/42E2fAWM6rA&amp;hl=en_US&amp;fs=1&amp;rel=0&amp;border=1" allowfullscreen="true" allowscriptaccess="always" /><br /> <br /> Email me your comments at <a href="mailto:chris@beelerinsurance.com"><span style="font-size: 16px;">chris@beelerinsurance.com</span></a> and I'll post them.<br /> Till next time,<br /> Chris Beeler</span>urn:uuid:fe727d6f-6e96-4198-9b5c-6d23c7e3316e<img src='http://t2.gstatic.com/images?q=tbn:Lw6SxEXgGtzj9M:http://zedomax.biz/blog/wp-content/uploads/2009/08/dog-in-car.gif' align='left' />Hello Beeler Bloggers, Spring is  here and this post is about one of my favorite subjects: Camping &amp; RV'ing. Do you travel with your dog or cat when RVing? Is your pet more than a comp...Wed, 28 Apr 2010 07:13:38 -0500<p style="margin: 0in 0in 0pt;" class="Default"><span style="font-family: verdana; font-size: 18px;">Hello Beeler Bloggers, Spring is  here and this post is about one of my favorite subjects: Camping &amp; RV'ing.</span><br /> <table> <thead> </thead> <tbody> <tr> <td><a href="http://images.google.com/imgres?imgurl=http://zedomax.biz/blog/wp-content/uploads/2009/08/dog-in-car.gif&amp;imgrefurl=http://zedomax.biz/blog/make-money-online/blogging-diy-how-to-focus-better-by-working-in-your-car/&amp;usg=__cwLErK3WbMZsD5WKzB-tgDC8aD4=&amp;h=203&amp;w=195&amp;sz=28&amp;hl=en&amp;start=4&amp;sig2=ochnia8TJhF6aVWJ-LzjUA&amp;um=1&amp;itbs=1&amp;tbnid=Lw6SxEXgGtzj9M:&amp;tbnh=105&amp;tbnw=101&amp;prev=/images%3Fq%3Ddog%2Bin%2Bcar%26um%3D1%26hl%3Den%26rls%3Dcom.microsoft:en-us%26tbs%3Disch:1&amp;ei=xCPYS4uuF8L6lweL4sz4Aw" id="apf3"><img width="101" height="105" alt="" style="border: 1px solid; vertical-align: bottom;" id="ipfLw6SxEXgGtzj9M:" src="http://t2.gstatic.com/images?q=tbn:Lw6SxEXgGtzj9M:http://zedomax.biz/blog/wp-content/uploads/2009/08/dog-in-car.gif" /></a></td> <td><span style="font-family: tahoma; font-size: 18px;">Do you travel with your dog or cat when RVing?<br /> Is your pet more than a companion?<br /> Is he or she a member of your family?<br /> You’re not alone. Most of the 8 million RVers, according to the Recreational Vehicle Industry Association, bring pets along on trips.</span></td> </tr> </tbody> </table> <span style="font-family: verdana; font-size: 18px;"> </span></p> <p style="margin: 0in 0in 0pt;" class="Default"><span style="font-family: verdana; font-size: 18px;"></span></p> <p style="margin: 0in 0in 0pt;" class="Default"><span style="font-family: verdana; font-size: 18px;">If this includes you, great news! Pet injury coverage from Progressive protects your furry four-legged friends in the event of an accident. </span></p> <p style="margin: 0in 0in 0pt;" class="Default"><span style="font-family: verdana; font-size: 18px;"></span></p> <p style="margin: 0in 0in 0pt;" class="Default"><span style="font-family: verdana; font-size: 18px;">In the past, RV insurance policies cover the people ... but not the pets inside RVs.<br /> <table> <tbody> <tr> <td><a href="http://images.google.com/imgres?imgurl=http://www.rvappraisals.com/images/gallery/fire-investigations/rv-arson-fire.jpg&amp;imgrefurl=http://www.rvappraisals.com/fire-investigations.htm&amp;usg=__27ppgbB32I8goQAqBQuZ5IggFYA=&amp;h=190&amp;w=240&amp;sz=15&amp;hl=en&amp;start=4&amp;sig2=xlLALSzFWG6O_OsedoCRRQ&amp;um=1&amp;itbs=1&amp;tbnid=2PkTYnnJ1x5kTM:&amp;tbnh=87&amp;tbnw=110&amp;prev=/images%3Fq%3Drv%2Bon%2Bfire%26um%3D1%26hl%3Den%26sa%3DN%26rls%3Dcom.microsoft:en-us%26tbs%3Disch:1&amp;ei=myXYS8avA8SclgeWsIn6Aw" id="apf3"><img width="110" height="87" alt="" style="border: 1px solid; width: 148px; height: 127px; vertical-align: bottom;" id="ipf2PkTYnnJ1x5kTM:" src="http://t3.gstatic.com/images?q=tbn:2PkTYnnJ1x5kTM:http://www.rvappraisals.com/images/gallery/fire-investigations/rv-arson-fire.jpg" /></a> </td> <td><span style="font-size: 18px;">Not any more. Progressive offers free pet injury coverage with collision and comprehensive coverage and pays up to $1000 if your dog or cat is hurt or dies because of a crash, fire or flood.<br /> </span></td> </tr> </tbody> </table> <br /> </span></p> <p style="margin: 0in 0in 0pt;" class="Default"><span style="font-family: verdana; font-size: 18px;"></span></p> <p style="margin: 0in 0in 0pt;" class="Default"><span style="font-family: verdana; font-size: 18px;">“RVing is more fun when the entire family, including pets, is along for the ride,” said Cathy Pelfrey of Progressive. “This coverage gives pet owners something no other RV insurer offers – peace of mind from knowing that their dogs and cats are protected, too.” </span></p> <p style="margin: 0in 0in 0pt;" class="Default"><span style="font-family: verdana; font-size: 18px;"></span></p> <p style="margin: 0in 0in 0pt;" class="Default"><span style="font-family: verdana; font-size: 18px;">Progressive was the first insurer to introduce pet injury protection to its car &amp; RV insurance customers</span></p> <p style="margin: 0in 0in 0pt;"><span style="font-family: verdana; font-size: 18px;"></span></p> <p style="margin: 0in 0in 0pt;"><span style="font-family: verdana; font-size: 18px;">For more information about Progressive RV Insurance simply visit </span><a href="http://www.beelerinsurance.com/rv/default.aspx"><span style="font-family: verdana; font-size: 18px;">http://www.beelerinsurance.com/rv/default.aspx</span></a><br /> <span style="font-family: verdana; font-size: 18px;">Til next time,<br /> Chris Beeler<br /> </span><a href="mailto:chris@beelerinsurance.com"><span style="font-family: verdana; font-size: 18px;">chris@beelerinsurance.com</span></a></p> urn:uuid:360492ed-c40b-47b5-a327-60e667d39a35<img src='http://t0.gstatic.com/images?q=tbn:3UEcKT4tpNRakM:http://our.risd.edu/wp-content/uploads/myrate1.jpg' align='left' />Hello Beeler Bloggers, I am thrilled about the topic that I am posting about today.  Do you feel that you are a better than average driver?  Would you like to save big on your car insurance for proving it?  Read on and then contact me for details. P...Fri, 12 Mar 2010 07:53:29 -0600<span style="font-size: 16px; font-family: verdana;">Hello Beeler Bloggers,<br /> I am thrilled about the topic that I am posting about today.  Do you feel that you are a better than average driver?  Would you like to save big on your car insurance for proving it?  Read on and then contact me for details.<br /> <br /> Progressive auto insurance has introduced a new program in Georgia called My Rate </span><a href="http://images.google.com/imgres?imgurl=http://our.risd.edu/wp-content/uploads/myrate1.jpg&amp;imgrefurl=http://our.risd.edu/2009/12/14/myrate-hits-the-highway/&amp;usg=__7qwvap8N4vbUyL4jniL7nEu58V0=&amp;h=351&amp;w=300&amp;sz=11&amp;hl=en&amp;start=2&amp;sig2=zAklV1lXHDe_xgODwmDWLA&amp;um=1&amp;itbs=1&amp;tbnid=3UEcKT4tpNRakM:&amp;tbnh=120&amp;tbnw=103&amp;prev=/images%3Fq%3Dmy%2Brate%26um%3D1%26hl%3Den%26rls%3Dcom.microsoft:en-us%26tbs%3Disch:1&amp;ei=_D-aS_u8O56ltgec--iKAQ" id="apf1"><span style="font-size: 16px; font-family: verdana;"><img width="103" height="120" alt="" id="ipf3UEcKT4tpNRakM:" style="border: 1px solid; vertical-align: bottom;" src="http://t0.gstatic.com/images?q=tbn:3UEcKT4tpNRakM:http://our.risd.edu/wp-content/uploads/myrate1.jpg" /></span></a> <span style="font-size: 16px; font-family: verdana;"> See the video at the bottom of this post if you don't have the patience to read my thoughts but if you don't read my article, shame on you! :o)<br /> </span><br /> <span style="font-size: 16px; font-family: verdana;">My Rate is a transmitter device that's plugged into your car and monitors your driving habits.  This device gives Georgia policy holders the chance to prove that they are a "better than average" driver and for doing so they can </span><a href="http://images.google.com/imgres?imgurl=http://www.arearugsclub.com/blog/images/area-rugs-for-sale.jpg&amp;imgrefurl=http://www.arearugsclub.com/blog/tag/karastan/&amp;usg=__f_N_p8mXMnnDDkKerOxk3ffiMsI=&amp;h=291&amp;w=401&amp;sz=51&amp;hl=en&amp;start=2&amp;sig2=NZ85s92FpLUpFb2_gQ8xBA&amp;um=1&amp;itbs=1&amp;tbnid=jT0jSWS5RlqNlM:&amp;tbnh=90&amp;tbnw=124&amp;prev=/images%3Fq%3Dsave%2Bbig%26um%3D1%26hl%3Den%26sa%3DN%26rls%3Dcom.microsoft:en-us%26tbs%3Disch:1&amp;ei=rj-aS4-JEdOXtget4LmLAQ" id="apf1"><span style="font-size: 16px; font-family: verdana;"><img width="124" height="90" alt="" id="ipfjT0jSWS5RlqNlM:" style="border: 1px solid; vertical-align: bottom;" src="http://t3.gstatic.com/images?q=tbn:jT0jSWS5RlqNlM:http://www.arearugsclub.com/blog/images/area-rugs-for-sale.jpg" /></span></a><span style="font-size: 16px; font-family: verdana;">save big.<br /> <br /> The device monitors and reports what time of day you drive, how often you drive and driving habits like fast starts and stops.  Fast starts and stops indicate you tailgate or drive less safely than the average driver.  And late night driving from 12am to 5am indicates driving during higher risk times.  Statistically the riskiest time of day to drive when the worst accidents occur is from 12am to 5am.<br /> <br /> One very cool feature of My Rate </span><a href="http://images.google.com/imgres?imgurl=http://4.bp.blogspot.com/_V6tBDGxmHwE/Sb957BYu1QI/AAAAAAAAAgs/9QOYZLqY5AM/s400/products-and-services-nokia-champions-innovative-app-developers.jpg&amp;imgrefurl=http://inquiringeyes.blogspot.com/2009/03/apps-maps-advertising-paid-services.html&amp;usg=__DBHp5t83LxtG8KL2UQyFqxDu1zs=&amp;h=300&amp;w=400&amp;sz=19&amp;hl=en&amp;start=9&amp;sig2=DqqWHYSrInIEg-NQGymSLg&amp;um=1&amp;itbs=1&amp;tbnid=rVsJPxqsCiC16M:&amp;tbnh=93&amp;tbnw=124&amp;prev=/images%3Fq%3Dinnovative%26um%3D1%26hl%3Den%26rls%3Dcom.microsoft:en-us%26tbs%3Disch:1&amp;ei=0UCaS5zmOp-ltgeW6sSNAQ" id="apf8"><span style="font-size: 16px; font-family: verdana;"><img width="124" height="93" alt="" id="ipfrVsJPxqsCiC16M:" style="border: 1px solid; vertical-align: bottom;" src="http://t1.gstatic.com/images?q=tbn:rVsJPxqsCiC16M:http://4.bp.blogspot.com/_V6tBDGxmHwE/Sb957BYu1QI/AAAAAAAAAgs/9QOYZLqY5AM/s400/products-and-services-nokia-champions-innovative-app-developers.jpg" /></span></a><span style="font-size: 16px; font-family: verdana;"> is that during the initial monitoring period the user can log into </span><a href="http://www.progressiveagent.com/"><span style="font-size: 16px; font-family: verdana;">www.progressiveagent.com</span></a><span style="font-size: 16px; font-family: verdana;"> and monitor their day by day usage and whether they are on track for a discount or not.<br /> <br /> So literally, if a driver normally does not go into Atlanta and is on track for a great discount but has to travel into the worst traffic spot in the south</span><a href="http://images.google.com/imgres?imgurl=http://www.smh.com.au/ffximage/2005/09/22/galveston_wideweb__430x312.jpg&amp;imgrefurl=http://www.smh.com.au/news/world/gridlock-as-katrina-victims-escape-rita/2005/09/22/1126982160106.html&amp;usg=__KDSUF4YFq5ImOV5k8b4cUlW7OfY=&amp;h=312&amp;w=430&amp;sz=23&amp;hl=en&amp;start=2&amp;sig2=BmXiBd418kjckkfejgSRTQ&amp;um=1&amp;itbs=1&amp;tbnid=pZ7jEyltccIfIM:&amp;tbnh=91&amp;tbnw=126&amp;prev=/images%3Fq%3Dbumper%2Bto%2Bbumper%26um%3D1%26hl%3Den%26rls%3Dcom.microsoft:en-us%26tbs%3Disch:1&amp;ei=T0KaS9rzENKUtgfM97GJAQ" id="apf1"><span style="font-size: 16px; font-family: verdana;"><img width="126" height="91" alt="" id="ipfpZ7jEyltccIfIM:" style="border: 1px solid; vertical-align: bottom;" src="http://t3.gstatic.com/images?q=tbn:pZ7jEyltccIfIM:http://www.smh.com.au/ffximage/2005/09/22/galveston_wideweb__430x312.jpg" /></span></a><span style="font-size: 16px; font-family: verdana;"> and the driver has a bad day, the customer can log into the website the next day and see how the bad driving affected his projected discount.  Very neat, huh?<br /> <br /> After six months of monitoring, Progressive takes a look </span><a href="http://images.google.com/imgres?imgurl=http://rlv.zcache.com/inspector_peering_with_big_eye_postcard-p239480484170431292trdg_400.jpg&amp;imgrefurl=http://www.zazzle.com/inspector_peering_with_big_eye_postcard-239480484170431292&amp;usg=__8hzbQOvylc6ibFcEl38HtsHJp0s=&amp;h=400&amp;w=400&amp;sz=29&amp;hl=en&amp;start=15&amp;sig2=KtkisZjTPMxXgQ1ucWG5TA&amp;um=1&amp;itbs=1&amp;tbnid=JtyfpBKqGxixyM:&amp;tbnh=124&amp;tbnw=124&amp;prev=/images%3Fq%3Dbig%2Beye%26um%3D1%26hl%3Den%26rls%3Dcom.microsoft:en-us%26tbs%3Disch:1&amp;ei=1EOaS9SpDtK0tgfp9L2IAQ"><span style="font-size: 16px; font-family: verdana;"><img width="124" height="124" alt="" style="border: 1px solid; vertical-align: bottom;" src="http://t3.gstatic.com/images?q=tbn:JtyfpBKqGxixyM:http://rlv.zcache.com/inspector_peering_with_big_eye_postcard-p239480484170431292trdg_400.jpg" /></span></a><span style="font-size: 16px; font-family: verdana;"> at your driving data and their computers determine which discount you can get.  Progressive could ask you to keep the device for 6 additional months but will not be required to keep the device for more than 12 months.<br /> Progressive can not raise your rates or drop you based on what they find... so you have nothing to lose by trying.<br /> <br /> </span><a href="http://images.google.com/imgres?imgurl=http://www.100percentoff.info/wal/image/limited_time_offer.gif&amp;imgrefurl=http://www.100percentoff.info/wal/&amp;usg=__tetGfJ957BwFBGwCTyKbNRnSMAs=&amp;h=187&amp;w=220&amp;sz=9&amp;hl=en&amp;start=3&amp;sig2=7eJVw9b35d08-3sDauXmcw&amp;um=1&amp;itbs=1&amp;tbnid=xhVzwaYwfJxueM:&amp;tbnh=91&amp;tbnw=107&amp;prev=/images%3Fq%3Dlimited%2Btime%2Boffer%26um%3D1%26hl%3Den%26rls%3Dcom.microsoft:en-us%26tbs%3Disch:1&amp;ei=BkSaS465J8SUtgfU6bmQAQ" id="apf2"><span style="font-size: 16px; font-family: verdana;"><img width="107" height="91" alt="" id="ipfxhVzwaYwfJxueM:" style="border: 1px solid; vertical-align: bottom;" src="http://t3.gstatic.com/images?q=tbn:xhVzwaYwfJxueM:http://www.100percentoff.info/wal/image/limited_time_offer.gif" /></span></a><br /> <span style="font-size: 16px; font-family: verdana;">Progressive is introducing My Rate in Georgia with a special offer:<br /> For a limited time, Progressive will not charge Georgia customers for the first six months period to monitor the device and report the discount you might qualify for.<br /> If you are required to keep the device for another 6 month term, Progressive will charge you five dollars a month.<br /> However, if Progressive requests you keep the device for another term and you haven't proved that you are a "Better Than Average" driver, and you are not projected to receive a discount, and therefore don't want to keep the device and begin paying for it, simply return the device and you won't be charged.  </span><a href="http://images.google.com/imgres?imgurl=http://i667.photobucket.com/albums/vv34/zenyenta/blog/deal-or-no-deal.jpg&amp;imgrefurl=http://zenyentav2.blogspot.com/2009_02_01_archive.html&amp;usg=__gBbnCtCZZHz5MYcoZNQTh0AACqw=&amp;h=339&amp;w=285&amp;sz=39&amp;hl=en&amp;start=9&amp;sig2=fupaGkZpm9ax68bXjWTURA&amp;um=1&amp;itbs=1&amp;tbnid=cQ8DC0aOeJ5NFM:&amp;tbnh=119&amp;tbnw=100&amp;prev=/images%3Fq%3Dwhat%2Ba%2Bdeal%26um%3D1%26hl%3Den%26rls%3Dcom.microsoft:en-us%26tbs%3Disch:1&amp;ei=I0WaS9GZNoa0tgfv5q2OAQ" id="apf8"><span style="font-size: 16px; font-family: verdana;"><img width="100" height="119" alt="" id="ipfcQ8DC0aOeJ5NFM:" style="border: 1px solid; vertical-align: bottom;" src="http://t3.gstatic.com/images?q=tbn:cQ8DC0aOeJ5NFM:http://i667.photobucket.com/albums/vv34/zenyenta/blog/deal-or-no-deal.jpg" /></span></a><span style="font-size: 16px; font-family: verdana;">That's a good deal. </span> <p itxtvisited="1"><span style="font-family: verdana;"><span style="font-size: 16px;">And there's an added bonus for Parents.  You will be able to monitor online your child's driving habits, though it is not  GPS device.  You would get the same information about your child's driving habits that Progressive gets.<br /> <br /> <object id="flashObj" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=9,0,47,0" height="412" width="486" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000"> <param name="movie" value="http://c.brightcove.com/services/viewer/federated_f9/34619011001?isVid=1&publisherID=34310441001" /> <param name="bgcolor" value="#FFFFFF" /> <param name="flashVars" value="videoId=69563772001&playerID=34619011001&domain=embed&" /> <param name="base" value="http://admin.brightcove.com" /> <param name="seamlesstabbing" value="false" /> <param name="allowFullScreen" value="true" /> <param name="swLiveConnect" value="true" /> <param name="allowScriptAccess" value="always" /><embed src="http://c.brightcove.com/services/viewer/federated_f9/34619011001?isVid=1&publisherID=34310441001" bgcolor="#FFFFFF" flashVars="videoId=69563772001&playerID=34619011001&domain=embed&" base="http://admin.brightcove.com" name="flashObj" width="486" height="412" seamlesstabbing="false" type="application/x-shockwave-flash" allowFullScreen="true" swLiveConnect="true" allowScriptAccess="always" pluginspage="http://www.macromedia.com/shockwave/download/index.cgi?P1_Prod_Version=ShockwaveFlash"></embed></object><br /> <br /> So, you can see that if you think you are a "Better Than Average" driver you need to contact </span><a href="http://www.beelerinsurance.com"><span style="font-size: 16px;">www.beelerinsurance.com</span></a><span style="font-size: 16px;"> for a Progressive My Rate quote today.  If you do you'll see how one little device can save you big.<br /> Til next time,<br /> Chris Beeler</span></span></p> urn:uuid:a4706c81-8daa-40d1-9015-8ddc4de20f2d<img src='http://t2.gstatic.com/images?q=tbn:tRxikUcAGpyLEM:http://www.cio.com/images/content/articles/body/2009/06/ObamaBidenText.jpg' align='left' />Hello Beeler Bloggers, I am working on a few really provocative blog posts.  This one is provocative but is a repost of something that is really timely. Have you ever been in a text conversation  with another person whom you know to be  driving? Yo...Sat, 20 Feb 2010 10:15:59 -0600<span style="font-size: 18px; font-family: verdana;">Hello Beeler Bloggers,<br /> I am working on a few really provocative blog posts.  This one is provocative but is a repost of something that is really timely.<br /> <br /> Have you ever been in a text conversation <a href="http://images.google.com/imgres?imgurl=http://www.cio.com/images/content/articles/body/2009/06/ObamaBidenText.jpg&amp;imgrefurl=http://www.cio.com/article/494127/Inside_Barack_Obama_s_BlackBerry_Texts_from_U.S._Commander_in_Chief&amp;usg=__ncjj1EWEmBIUOMcTOXmAaNIjFW8=&amp;h=299&amp;w=475&amp;sz=93&amp;hl=en&amp;start=5&amp;sig2=E8oxYGQpwTFuzPOLt49EOQ&amp;um=1&amp;itbs=1&amp;tbnid=tRxikUcAGpyLEM:&amp;tbnh=81&amp;tbnw=129&amp;prev=/images%3Fq%3Dtext%2Bconversation%26um%3D1%26hl%3Den%26sa%3DN%26rls%3Dcom.microsoft:en-us%26tbs%3Disch:1&amp;ei=TQiAS4aIN9SPtgecxdmDBQ" id="apf4"><img width="129" height="81" alt="" id="ipftRxikUcAGpyLEM:" style="border: 1px solid; vertical-align: bottom;" src="http://t2.gstatic.com/images?q=tbn:tRxikUcAGpyLEM:http://www.cio.com/images/content/articles/body/2009/06/ObamaBidenText.jpg" /></a> with another person whom you know to be <a href="http://images.google.com/imgres?imgurl=http://trebord.files.wordpress.com/2009/08/texting-while-driving-accidents.jpg&amp;imgrefurl=http://trebord.wordpress.com/2009/08/25/texting-while-driving/&amp;usg=__pwMI5JIeQ2abpmTeFN9YEnuxYF0=&amp;h=241&amp;w=315&amp;sz=17&amp;hl=en&amp;start=3&amp;sig2=vMVgNiHm8mQbTuZ60IJF9w&amp;um=1&amp;itbs=1&amp;tbnid=NB_3kv-AyR_0EM:&amp;tbnh=90&amp;tbnw=117&amp;prev=/images%3Fq%3Dtext%2Bwhile%2Bdriving%26um%3D1%26hl%3Den%26sa%3DG%26rls%3Dcom.microsoft:en-us%26tbs%3Disch:1&amp;ei=aQiAS96dNNKUtgeS6enxBA" id="apf2"><img width="117" height="90" alt="" id="ipfNB_3kv-AyR_0EM:" style="border: 1px solid; vertical-align: bottom;" src="http://t3.gstatic.com/images?q=tbn:NB_3kv-AyR_0EM:http://trebord.files.wordpress.com/2009/08/texting-while-driving-accidents.jpg" /></a> driving?<br /> <br /> You could end up in court.  Click this link to 11Alive news for details <a href="http://www.11alive.com/rss/rss_story.aspx?storyid=140992"><span style="font-size: 16px;">http://www.11alive.com/rss/rss_story.aspx?storyid=140992</span></a><br /> <br /> If you read the article closely you will see the very tough dilemma that this texting partner is in.  Have you considered this: could the victim's estate sue him <a href="http://images.google.com/imgres?imgurl=http://www.liberatedforlife.info/100/images/cha-ching.gif&amp;imgrefurl=http://www.liberatedforlife.info/100/fast.html&amp;usg=__cQCKIv_Yo9asn_ksJ8sxjKe1tRA=&amp;h=265&amp;w=650&amp;sz=26&amp;hl=en&amp;start=3&amp;sig2=1K9LNW9tOGMQweOsCJB0Rg&amp;um=1&amp;itbs=1&amp;tbnid=CgeEYDwCMkOBJM:&amp;tbnh=56&amp;tbnw=137&amp;prev=/images%3Fq%3Dcha%2Bching%26um%3D1%26hl%3Den%26rls%3Dcom.microsoft:en-us%26tbs%3Disch:1&amp;ei=IgmAS5zkL6SltgfHjv3-BA" id="apf2"><img width="137" height="56" alt="" id="ipfCgeEYDwCMkOBJM:" style="border: 1px solid; vertical-align: bottom;" src="http://t0.gstatic.com/images?q=tbn:CgeEYDwCMkOBJM:http://www.liberatedforlife.info/100/images/cha-ching.gif" /></a> for punitive negligence because he had knowledge that his partner was texting and driving but continued the texting conversation anyway?<br /> <br /> Hmm, what difficult positions we find our selves in.  If he were a client of Beeler Insurance Agency we would have recommend a personal liability umbrella policy that could provide insurance coverage for this type of suit up to $5 million.  Do you have an insurance agent that is watching out for you or is 15 minutes helping you save save 15% with the GECKO.<br /> That 15 minutes could cost this client dearly.  Let's hope not.<br /> Until next time,<br /> Chris Beeler<br /> <br /> <br /> </span> urn:uuid:fd4fefac-b4a9-4c50-a92d-e8ad4d6179bbHello Beeler Bloggers, I have been missing in action for the last few weeks but I am thankful to report that our companion business Beeler Tax Service (www.1040.com/beelerinsurance) is doing well. I invite you to click through and check out our onlin...Fri, 12 Feb 2010 16:20:12 -0600<span style="font-size: 18px;">Hello Beeler Bloggers,<br /> I have been missing in action for the last few weeks but I am thankful to report that our companion business Beeler Tax Service (</span><a href="http://www.1040.com/beelerinsurance" target="newwin"><span style="font-size: 18px;">www.1040.com/beelerinsurance</span></a><span style="font-size: 18px;">) is doing well.<br /> I invite you to click through and check out our online tax service. We compete head to head with TurboTax and we have no hidden fees. Also, if you get stuck we can step in and walk you through completing the return.<br /> <br /> Ok, on to the funny insurance videos. I found a few that I wanted to post here. I hope you find them funny too.<br /> <br /> Mercury Insurance has a new campaign titled "Mercury Moments" You can get a Mercury Insurance quote at </span><a href="http://www.beelerinsurance.com" target="newwin"><span style="font-size: 18px;">www.beelerinsurance.com</span></a><span style="font-size: 18px;"> in about 6 minutes.<br /> <br /> </span><embed src="http://www.youtube.com/v/VBtRrAMB538&amp;hl=en_US&amp;fs=1&amp;rel=0" width="425" height="344" type="application/x-shockwave-flash" allowfullscreen="true" allowscriptaccess="always" /><br /> <br /> <span style="font-size: 18px;"><br /> This one is pretty funny. Caveman vs. Progressive Girl Flo<br /> <br /> </span><embed src="http://www.youtube.com/v/8Sk5XG3DpXg&amp;hl=en_US&amp;fs=1&amp;rel=0&amp;border=1" width="580" height="360" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" /><br /> <br /> <br /> <span style="font-size: 18px;">This one is one of my favorite Flo commercials. Yes, we represent Progressive too. Just visit our website for a Progressive quote too.</span><br /> <br /> <embed src="http://www.youtube.com/v/mt1kxpRygIo&amp;hl=en_US&amp;fs=1&amp;rel=0&amp;border=1" width="445" height="364" type="application/x-shockwave-flash" allowfullscreen="true" allowscriptaccess="always" /><br /> <br /> <br /> <br /> <span style="font-size: 18px;">Ok, I won't youtube you to death but I did want to get a post out to all my people. Thanks goes out to each customer that have made the start of 2010 a success.<br /> Till next time,<br /> Chris Beeler</span> urn:uuid:f18dfb11-b2bb-43a5-8fb3-a1534407c84cHello Beeler Bloggers, I hope you enjoyed a positively memorable Christmas and are now looking forward to the opportunities that a New Year will bring. I am posting today about one agency customer whose Christmas was interrupted by a house fire.  Da...Sat, 26 Dec 2009 16:02:10 -0600<span style="font-family: verdana;"><span style="font-size: 18px;">Hello Beeler Bloggers,<br /> I hope you enjoyed a positively memorable Christmas and are now looking forward to the opportunities that a New Year will bring.<br /> <br /> I am posting today about one agency customer whose Christmas was interrupted by a house fire.  Daniel lives in </span><a href="http://en.wikipedia.org/wiki/Cedartown,_Georgia" class="ApplyClass" target="_blank"><span style="font-size: 18px;">Cedartown </span></a><span style="font-size: 18px;">and on Christmas Eve-Eve at about 7pm was shopping with his wife and 8 month old baby girl.  His cell phone rang and the local 911 operator advised him that the </span><a href="http://www.cedartowngeorgia.gov/Wiki%20Library/Fire.aspx" target="_blank"><span style="font-size: 18px;">Cedartown Fire Department</span></a><span style="font-size: 18px;"> (CFD) was dispatched to and battling a blaze at his home.<br /> <br /> He says my first thought was "oh my God!"  He and his young family rushed to his home.  After CFD said it was safe to enter their home they managed to grab a change of clothes &amp; stayed at the local Holiday Inn for the night.<br /> <br /> Christmas Eve morning at 8:30am Daniel contacted me.  At first he was apologetic but once I learned of his situation I advised him that he had nothing to be apologetic for.  I knew this was an opportunity for our agency to fulfill the promise we make to our clients every single business day.  Daniel said to me "Chris, I don't even know who my insurance company is but I know I can count on you."<br /> <br /> We met 20 minutes later at my office, pulled up his GA Replacement HO3 with our top rated carrier </span><a href="http://www.msagroup.com" target="_blank"><span style="font-size: 18px;">Main Street America Group</span></a><span style="font-size: 18px;">.  I spent a moment consoling his young wife and child and committed to them that Beeler Insurance Agency has the right partners in place to get their lives back to normal again!<br /> <br /> I contacted </span><a href="http://www.servpro.com" target="_blank"><span style="font-size: 18px;">Serv-Pro of Polk County</span></a><span style="font-size: 18px;"> at 9:30am on Christmas Eve and they were on the scene drying the water and beginning clean up that afternoon by 2:30pm.<br /> <br /> I met with Daniel today (the day after Christmas) and this was what he had to say about this experience so far:<br /> <br /> <embed src="http://www.facebook.com/v/106495242696818" width="392" height="340" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" /><br /> <br /> <br /> I'll keep all you Beeler Bloggers posted with photos and videos as we move through the repair process for Daniel.<br /> <br /> Before I conclude I must ask you:<br /> Do you have an agent you can depend on?<br /> Do you know your agent has placed your policy with the best coverage's available?<br /> If you don't have a policy with the best available coverage, why not?<br /> Does your agent have contractors that can be at your home after a fire within 4 hours of being notified?<br /> <br /> This is the kind of service that Beeler Insurance offers its customers.  If you can't confidently answer yes to the questions above give Beeler Insurance a try today. Get an online quote right now at </span><a href="https://beelerinsurance.agentinsure.com/EzWebsite/quote.aspx" target="_blank"><span style="font-size: 18px;">beelerinsurance.com<br /> </span></a><span style="font-size: 18px;">Till next time,<br /> Chris Beeler</span></span> urn:uuid:e551f581-bd3a-473b-a326-3424c3e91f18<img src='http://t2.gstatic.com/images?q=tbn:8eA2A-HofCxbJM:http://taschek.files.wordpress.com/2008/05/old-dog.jpg' align='left' />Hello Beeler Bloggers, Today is Christmas Eve-Eve and we'll soon turn our attention to shopping, family gatherings, and some much needed time off work. The shopping part got me to thinking about a list of personal security tips that have been around...Wed, 23 Dec 2009 13:21:33 -0600<span style="font-size: 18px; font-family: verdana;">Hello Beeler Bloggers,<br /> Today is Christmas Eve-Eve and we'll soon turn our attention to shopping, family gatherings, and some much needed time off work.<br /> <br /> The shopping part got me to thinking about a list of personal security tips that have been around for some time and deserves to be repeated from time to time.  This list is sort of like an old dog <a href="http://images.google.com/imgres?imgurl=http://taschek.files.wordpress.com/2008/05/old-dog.jpg&amp;imgrefurl=http://taschek.wordpress.com/2008/05/21/can-this-old-dog-learn-new-tricks/&amp;usg=__GCr-ZOkUO-pHP4WwltdxfM6S9i8=&amp;h=282&amp;w=425&amp;sz=106&amp;hl=en&amp;start=3&amp;sig2=GxCnRPPldw4HF_aAyxBlpw&amp;tbnid=8eA2A-HofCxbJM:&amp;tbnh=84&amp;tbnw=126&amp;prev=/images%3Fq%3Dold%2Bdog%26gbv%3D2%26hl%3Den%26sa%3DG&amp;ei=3mgyS8DCKYS1tgeVldAs"><img width="126" height="84" alt="" style="border: 1px solid; vertical-align: bottom;" src="http://t2.gstatic.com/images?q=tbn:8eA2A-HofCxbJM:http://taschek.files.wordpress.com/2008/05/old-dog.jpg" /></a> old but good<br /> <p><span style="font-size: 18px;">1.  <a href="http://images.google.com/imgres?imgurl=http://i22.photobucket.com/albums/b332/Diesel67/Basketball/Shaq/ShaqDiesel.jpg&amp;imgrefurl=http://www.insidehoops.com/forum/showthread.php%3Ft%3D137518%26page%3D2&amp;usg=__wKOj7kkllz8UsWma1byTkL5Zwf4=&amp;h=400&amp;w=330&amp;sz=34&amp;hl=en&amp;start=9&amp;sig2=yJ-EYv_WG2z3lU2uJYIk2A&amp;tbnid=fGcvekK0J9I3eM:&amp;tbnh=124&amp;tbnw=102&amp;prev=/images%3Fq%3Dstrong%2Belbow%26gbv%3D2%26hl%3Den&amp;ei=g2kyS56xCIiVtgfsqcjaCA"><img width="102" height="124" alt="" style="border: 1px solid; vertical-align: bottom;" src="http://t3.gstatic.com/images?q=tbn:fGcvekK0J9I3eM:http://i22.photobucket.com/albums/b332/Diesel67/Basketball/Shaq/ShaqDiesel.jpg" /></a><br /> </span><span style="font-size: 18px;">Your Elbow is the strongest part of your body.  If you find your self in a situation where you must take physical action use your elbow.<br /> <br /> 2.  <a href="http://images.google.com/imgres?imgurl=http://farm4.static.flickr.com/3218/2713064422_4e9cba42ec.jpg&amp;imgrefurl=http://waterstainednotebook.wordpress.com/2008/07/&amp;usg=__TX7g-NKtE4Phweeq-NGl-ae78Y8=&amp;h=500&amp;w=333&amp;sz=80&amp;hl=en&amp;start=37&amp;sig2=cu10tAY96C3OxJrBEtg6og&amp;tbnid=pGW2nsTYEMXH5M:&amp;tbnh=130&amp;tbnw=87&amp;prev=/images%3Fq%3Dtoss%2Bit%26gbv%3D2%26ndsp%3D20%26hl%3Den%26sa%3DN%26start%3D20&amp;ei=jGoyS8OwHoq1tgeButTJCA"><img width="87" height="130" alt="" style="border: 1px solid; vertical-align: bottom;" src="http://t2.gstatic.com/images?q=tbn:pGW2nsTYEMXH5M:http://farm4.static.flickr.com/3218/2713064422_4e9cba42ec.jpg" /></a><br /> If a robber asks you for your wallet or purse DON'T HAND IT TO HIM; Toss it away from your immediate area.  He's more interested in what's in your wallet or purse than he is in harming you.  Once tossed, run in the other direction.<br /> <br /> 3.  <a href="http://images.google.com/imgres?imgurl=http://mooreslore.corante.com/archives/images/tucker%2520parking%2520lot.jpg&amp;imgrefurl=http://autopartsnews.blogspot.com/2007_05_01_archive.html&amp;usg=__I4MYlHOCoNRta2VrD2RzQCZ6UIs=&amp;h=480&amp;w=640&amp;sz=56&amp;hl=en&amp;start=6&amp;sig2=5IZ296i2BdeW4-WjHSK0fg&amp;tbnid=RNCgTQencdaT7M:&amp;tbnh=103&amp;tbnw=137&amp;prev=/images%3Fq%3Dparking%2Ba%2Bcar%26gbv%3D2%26hl%3Den&amp;ei=R2syS7fzDI21tgfg1fTdDA"><img width="137" height="103" alt="" style="border: 1px solid; vertical-align: bottom;" src="http://t0.gstatic.com/images?q=tbn:RNCgTQencdaT7M:http://mooreslore.corante.com/archives/images/tucker%2520parking%2520lot.jpg" /></a><br /> When parking your car in the store parking lot be mindful of your surroundings.  Never enter your car and sit idle.  Even if your doors are locked this provides a criminal a perfect opportunity to make you their victim.<br /> Park in an area that has security camera's and that is well lit.  Even if you are shopping by yourself ask a fellow shopper that may be exiting the store at the same time as you are to accompany you to your car.<br /> <br /> <br /> There are numerous other important safety tips that you should observe.  Remember, the holidays are for joyous times with family so don't let it become a nightmare by becoming a victim of a petty crime.<br /> <br /> At Beeler Insurance we wish you the very best during this Christmas season.  If you are not satisfied with your current insurance agency give Beeler Insurance a try.<br /> Til next time,<br /> Chris Beeler<br /> </span></p> </span> urn:uuid:3e955bf8-dbf6-4b9c-a4be-8b53a2543f4d<img src='http://t2.gstatic.com/images?q=tbn:ocZSdDyvk_Rd6M:http://2.bp.blogspot.com/_1V7wnZxPqok/Rs5o8Bot91I/AAAAAAAAGck/Uh4gD7_nHlA/s400/bw%2Bcover%2Bnot%2Bsmart.jpg' align='left' />Hello Beeler Bloggers, As many of you know I have never claimed to be the originator of the ideas that I have successfully used.  Truth is I follow a variety of folks closely and cherry pick the ideas that are good for me or that I find interesting....Mon, 14 Dec 2009 15:34:39 -0600<span style="font-size: 18px; font-family: verdana;">Hello Beeler Bloggers,<br /> As many of you know I have never claimed to be the originator of the ideas that I have successfully used.  <a href="http://images.google.com/imgres?imgurl=http://2.bp.blogspot.com/_1V7wnZxPqok/Rs5o8Bot91I/AAAAAAAAGck/Uh4gD7_nHlA/s400/bw%2Bcover%2Bnot%2Bsmart.jpg&amp;imgrefurl=http://immobilienblasen.blogspot.com/2007_08_01_archive.html&amp;usg=__jekVHL1Q_k6XgWg6Xt4y1KqR_Ek=&amp;h=400&amp;w=300&amp;sz=67&amp;hl=en&amp;start=1&amp;sig2=VecBpvnhVy0NcdajZhPvvA&amp;tbnid=ocZSdDyvk_Rd6M:&amp;tbnh=124&amp;tbnw=93&amp;prev=/images%3Fq%3Dnot%2Bsmart%26gbv%3D2%26hl%3Den&amp;ei=QqomS8OwAo-VtgeQgIXCAw"><img width="93" height="124" alt="" style="border: 1px solid; vertical-align: bottom;" src="http://t2.gstatic.com/images?q=tbn:ocZSdDyvk_Rd6M:http://2.bp.blogspot.com/_1V7wnZxPqok/Rs5o8Bot91I/AAAAAAAAGck/Uh4gD7_nHlA/s400/bw%2Bcover%2Bnot%2Bsmart.jpg" /></a><br /> Truth is I follow a variety of folks closely and cherry pick the ideas that are good for me or that I find interesting.<br /> One of the folks I follow and find very interesting is Duke Williams and you can see his blog online at <a href="http://dukethinkingonline.blogspot.com"><span style="font-size: 18px;">http://dukethinkingonline.blogspot.com</span></a><br /> <br /> Recently he posted an interesting topic that lists things that became obsolete <a href="http://images.google.com/imgres?imgurl=http://web.mit.edu/invent/n-pressreleases/downloads/06index_obsolete.gif&amp;imgrefurl=http://web.mit.edu/invent/n-pressreleases/n-press-06index.html&amp;usg=__kJGo9IYlmx1Sg4UqgiPAEC4Ubw0=&amp;h=400&amp;w=400&amp;sz=51&amp;hl=en&amp;start=8&amp;sig2=KMlIoww9Rudl8E7T3WY1GQ&amp;tbnid=neT4gnRXWUxJfM:&amp;tbnh=124&amp;tbnw=124&amp;prev=/images%3Fq%3Dobsolete%26gbv%3D2%26hl%3Den%26sa%3DG&amp;ei=16smS6ewC9GXtgeft_XTCA"><img width="124" height="124" alt="" style="border: 1px solid; vertical-align: bottom;" src="http://t0.gstatic.com/images?q=tbn:neT4gnRXWUxJfM:http://web.mit.edu/invent/n-pressreleases/downloads/06index_obsolete.gif" /></a><br /> in this decade of the new millennium and I am listing a few here.<br /> <p>&nbsp;</p> <ul> <li><span style="font-size: 18px;">Email accounts you have to pay for             <img width="315" height="223" style="border: 0px solid; width: 295px; height: 208px;" onclick="return slide_next()" alt="E-mail accounts you have to pay for" src="http://static.businessinsider.com/~~/f?id=4b1fd5200000000000e9dd0d&amp;maxX=400&amp;maxY=300" /></span></li> </ul> <p><span style="font-size: 18px;"></span> </p> <ul> <li><span style="font-size: 18px;">Getting camera film developed; does anybody still do this? <img width="295" height="179" style="border: 0px solid;" onclick="return slide_next()" alt="Getting film developed" src="http://static.businessinsider.com/~~/f?id=4b1fdc600000000000676e87&amp;maxX=400&amp;maxY=300" /></span></li> </ul> <p><span style="font-size: 18px; font-family: arial;"></span> </p> <ul> <li><span style="font-size: 18px;">Movie Rental Stores; hello Redbox and digital delivery <img style="border: 0px solid;" onclick="return slide_next()" alt="Movie Rental Stores" src="http://static.businessinsider.com/~~/f?id=a87a6c7904846b483a1b3a00&amp;maxX=400&amp;maxY=300" /></span></li> </ul> <p><span style="font-size: 18px; font-family: arial;"></span> </p> <ul> <li><span style="font-size: 18px;">Maps; hello Google Maps application<img style="border: 0px solid;" onclick="return slide_next()" alt="Maps" src="http://static.businessinsider.com/~~/f?id=4b1fd8a2000000000067a3ab&amp;maxX=400&amp;maxY=300" /></span></li> </ul> <p><span style="font-size: 18px; font-family: arial;"></span> </p> <ul> <li><span style="font-size: 18px;">Pay phones; even homeless people have cell phones <img style="border: 0px solid;" onclick="return slide_next()" alt="Public pay phones" src="http://static.businessinsider.com/~~/f?id=4b1fe0fe00000000003386b6&amp;maxX=400&amp;maxY=300" /></span></li> </ul> <p><span style="font-size: 18px; font-family: arial;"></span> </p> <ul> <li><span style="font-size: 18px;">Calling 411/Information; hello mobile phone applications <img style="border: 0px solid;" onclick="return slide_next()" alt="Calling &quot;411&quot;" src="http://static.businessinsider.com/~~/f?id=9b7a6c79ea584548c6542000&amp;maxX=400&amp;maxY=300" /></span></li> </ul> <p><span style="font-size: 18px; font-family: arial;"></span> </p> <ul> <li><span style="font-size: 18px;">Compact Disc's; hello </span><a href="http://www.limewire.com"><span style="font-size: 18px;">www.limewire.com</span></a><span style="font-size: 18px;"> and other pier to pier file sharing sites <img style="border: 0px solid;" onclick="return slide_next()" alt="CDs" src="http://static.businessinsider.com/~~/f?id=4b1fd4d1000000000061ee17&amp;maxX=400&amp;maxY=300" /></span></li> </ul> <p><span style="font-size: 18px;"><br /> You can read the full article by visiting Dukes blog.  If I don't post again before Christmas I hope each of you have a blessed and positively memorable holiday season.<br /> Til next time,<br /> Chris Beeler</span></p> </span> urn:uuid:d405bb8d-bb11-4a4d-a623-4ce5176eb3a3<img src='http://t1.gstatic.com/images?q=tbn:NIrl2MBdW51LkM:http://static.flickr.com/27/46593105_572ea9afb1_o.jpg' align='left' />Hello Beeler Bloggers, You finally did it!  You looked forward to this day for months and months  You paid your car/truck note off and you'll now have some extra money to spend. Don't forget to contact your auto insurance agent and ask them to delet...Fri, 04 Dec 2009 12:55:31 -0600<span style="font-size: 18px; font-family: verdana;">Hello Beeler Bloggers,<br /> You finally did it!  You looked forward to this day for months and months <a href="http://images.google.com/imgres?imgurl=http://static.flickr.com/27/46593105_572ea9afb1_o.jpg&amp;imgrefurl=http://julieoakley.blogspot.com/2005_09_01_archive.html&amp;usg=__riBzFssyrIUNP24pwyABO6q4ZmM=&amp;h=462&amp;w=350&amp;sz=79&amp;hl=en&amp;start=1&amp;um=1&amp;itbs=1&amp;tbnid=NIrl2MBdW51LkM:&amp;tbnh=128&amp;tbnw=97&amp;prev=/images%3Fq%3Dcan%2527t%2Bwait%26hl%3Den%26safe%3Doff%26rls%3Dcom.microsoft:en-us%26um%3D1"><img width="97" height="128" alt="" style="border: 1px solid; vertical-align: bottom;" src="http://t1.gstatic.com/images?q=tbn:NIrl2MBdW51LkM:http://static.flickr.com/27/46593105_572ea9afb1_o.jpg" /></a> You paid your car/truck note off and you'll now have some extra money to spend.<br /> <br /> Don't forget to contact your auto insurance agent and ask them to delete the loss payee clause from your auto insurance policy.<br /> You may be asking yourself "why should I do this?" <a href="http://images.google.com/imgres?imgurl=http://netdna.copyblogger.com/images/why-should-i.jpg&amp;imgrefurl=http://www.copyblogger.com/why-read-your-blog/&amp;usg=__jNg_G1P8RrWPPD79-n5YKoqGEbQ=&amp;h=214&amp;w=250&amp;sz=19&amp;hl=en&amp;start=6&amp;um=1&amp;itbs=1&amp;tbnid=BVzOCNm3wdXSNM:&amp;tbnh=95&amp;tbnw=111&amp;prev=/images%3Fq%3Dwhy%2Bshould%2Bi%26hl%3Den%26safe%3Doff%26rls%3Dcom.microsoft:en-us%26um%3D1"><img width="111" height="95" alt="" style="border: 1px solid; vertical-align: bottom;" src="http://t2.gstatic.com/images?q=tbn:BVzOCNm3wdXSNM:http://netdna.copyblogger.com/images/why-should-i.jpg" /></a><br /> <br /> The reasons you should do this are because:<br /> <p>&nbsp;</p> <ol> <li><span style="font-size: 18px; font-family: verdana;">The lender no longer has a legal interest in your vehicle </span></li> <li><span style="font-size: 18px; font-family: verdana;">If you have a comprehensive or collision claim your insurance company will require you to prove that your car is paid off before they'll issue payment directly to you.  This will delay your claim settlement by several days and make you angry </span><a href="http://images.google.com/imgres?imgurl=http://sameerg.files.wordpress.com/2008/02/angry.jpg&amp;imgrefurl=http://sameerg.wordpress.com/2008/02/04/i-am-ashamed-i-am-angry/&amp;usg=__BtUrp4HxKa93vjSRArDHaRHvf0M=&amp;h=336&amp;w=447&amp;sz=34&amp;hl=en&amp;start=1&amp;um=1&amp;itbs=1&amp;tbnid=hbU1ISt3HYqHaM:&amp;tbnh=95&amp;tbnw=127&amp;prev=/images%3Fq%3Di%2Bam%2Bangry%26hl%3Den%26safe%3Doff%26rls%3Dcom.microsoft:en-us%26um%3D1"><span style="font-size: 18px; font-family: verdana;"><img width="127" height="95" alt="" style="border: 1px solid; vertical-align: bottom;" src="http://t1.gstatic.com/images?q=tbn:hbU1ISt3HYqHaM:http://sameerg.files.wordpress.com/2008/02/angry.jpg" /></span></a><span style="font-size: 18px; font-family: verdana;"> </span></li> <li><span style="font-size: 18px; font-family: verdana;">If a loss payee clause exists, some Georgia companies will only issue the claims payment in the customer's name and the loss payee's name with no exception.  The company's position is that because a loss payee clause exists they are legally obligated to issue claim payment in both names.  Once issued, it is an act of congress to get the insurance company to reissue the check without the loss payee.  It is another act of congress to get the loss payee to sign off on the check so you may cash it to repair/replace your car. </span></li> </ol> <p>So, the moral of this story: just a day or two after you finish celebrating paying your car/truck off be sure to contact your insurance agent and ask them to delete the loss payee clause on your insurance policy.<br /> <br /> If you don't have an agency that you can get great service from or would like to compare your car insurance rates, why not give Beeler Insurance a try.  We are available 24/7 and we love our customers.<br /> Until next time,<br /> Chris Beeler</p> </span> urn:uuid:6449fdc0-6c7a-4143-94d6-7c3e6acd21cd<img src='http://www.beelerinsurance.com/img/~www.beelerinsurance.com/overloaded_blue_truck.jpg' align='left' />Hello Beeler Bloggers, I thought you might get a kick out of this photo. Did you know that in the Georgia personal auto insurance policy that "business use" voids coverage?  If you use your personal auto in any type of business be sure to notify yo...Tue, 10 Nov 2009 09:15:42 -0600<span style="font-size: 18px;">Hello Beeler Bloggers,<br /> I thought you might get a kick out of this photo.<br /> <img alt="" src="/img/~www.beelerinsurance.com/overloaded_blue_truck.jpg" /><br /> <br /> Did you know that in the Georgia personal auto insurance policy that "business use" voids coverage?  If you use your personal auto in any type of business be sure to notify your agent so he can endorse your personal auto policy or place your coverage on a business auto form.<br /> Until next time,<br /> Chris Beeler</span> urn:uuid:791f2c34-c0c6-4f74-bed0-976c41915fb6<img src='http://t3.gstatic.com/images?q=tbn:8UOvAnWw3gj0-M:http://images01.tzimg.com/image.php%3FFilePath%3Dh3w4/1189707263_home_office_ca.jpg' align='left' />Home Based Business Insurance If you're working at home  -- STOP-- and review your insurance coverage. Your homeowners insurance probably doesn't cover your business. A typical homeowners policy provides only $2,500 coverage for business equipment w...Fri, 30 Oct 2009 07:35:29 -0500<p><strong><span style="font-size: 18px;">Home Based Business Insurance</span></strong> </p> <p><span style="font-size: 16px;">If you're working at home <a href="http://images.google.com/imgres?imgurl=http://images01.tzimg.com/image.php%3FFilePath%3Dh3w4/1189707263_home_office_ca.jpg%26Width%3D500&amp;imgrefurl=http://homebusinessgroup.com/&amp;usg=__x-WDysnkXe9AD7BFQAR700RZkVs=&amp;h=375&amp;w=500&amp;sz=30&amp;hl=en&amp;start=2&amp;sig2=N30gYtqg0Vqv0Dawd8u9MQ&amp;um=1&amp;tbnid=8UOvAnWw3gj0-M:&amp;tbnh=98&amp;tbnw=130&amp;prev=/images%3Fq%3Dhome%2Bbusiness%26hl%3Den%26rls%3Dcom.microsoft:en-us%26sa%3DN%26um%3D1&amp;ei=1dzqSrOAAYG0tge92fQ_"><img width="130" height="98" alt="" style="border: 1px solid;" src="http://t3.gstatic.com/images?q=tbn:8UOvAnWw3gj0-M:http://images01.tzimg.com/image.php%3FFilePath%3Dh3w4/1189707263_home_office_ca.jpg%26Width%3D500" /></a> -- STOP-- and review your insurance coverage. Your homeowners insurance probably doesn't cover your business. A typical homeowners policy provides only $2,500 coverage for business equipment which is usually not enough to cover all of the business property. You also need coverage for liability and business interruption. </span></p> <p><span style="font-size: 16px;">To insure your business, you have three choices--endorsements to the homeowners policy, an in-home business policy or a small business owners package policy.</span></p> <p><b><span style="font-size: 18px;">1-ENDORSEMENTS</span></b></p> <p><span style="font-size: 16px;">Depending on the type of business you operate, you may be able to add an endorsement to your existing homeowners policy. For as little as $14 a year, you can double your standard homeowners policy limits for business equipment from $2,500 to $5,000.</span></p> <p><span style="font-size: 16px;">Some companies have begun offering endorsements that include property and limited business liability coverage. Endorsements are typically only available for businesses that generate $5,000 or less in annual receipts. They are available in most states.</span></p> <p><b><span style="font-size: 18px;">2-IN-HOME BUSINESS POLICY</span></b></p> <p><span style="font-size: 16px;">The insurance industry has responded to the growing number of home-based businesses by creating in-home business insurance policies. For about $200 per year you can insure your business property for $10,000. General liability coverage is also included in the policy. A business owner can purchase anywhere from $300,000 to $1 million worth of liability coverage. The cost of the liability coverage will depend on the amount purchased.</span></p> <p><span style="font-size: 16px;">If your business is unable to operate because of damage to your house, your in-home business policy will cover lost income and ongoing expenses such as payroll for up to one year. The policy also provides limited coverage for loss of valuable papers and records, accounts receivable, off-site business property and use of equipment.</span></p> <p><span style="font-size: 16px;">In some cases, the companies that offer these policies require that you purchase your homeowners and auto policies from them.</span></p> <p><b><span style="font-size: 18px;">3-BUSINESSOWNERS PACKAGE POLICY (BOP)</span></b></p> <p><span style="font-size: 16px;">Created specifically for small businesses, this policy is an excellent solution if your home-based business operates in more than one location or manufactures products outside the workplace. A BOP, like the in-home business policy, covers business property and equipment, loss of income and extra expenses, and liability. However, these coverage are on a much broader scale than the in-home business policy.</span></p> <p><b><span style="font-size: 18px;">AUTOMOBILE COVERAGE</span></b></p> <p><span style="font-size: 16px;">If you are using your automobile for business activities--transporting supplies or products or visiting customers--you need to make certain that your automobile insurance will protect you from accidents which may occur while on business.</span></p> <p><span style="font-size: 16px;">In order to get insurance coverage that will not overlap with your homeowners policy or leave any exposures, you should consult with an insurance professional with experience in this field. To find an expert, contact your home insurer, other professionals with similar businesses or other home business owners.<br /> <br /> Regardless of what choice is right for you Beeler Insurance and <a href="http://www.beelerinsurance.com"><span style="font-size: 18px;">www.beelerinsurance.com</span></a> can assist you with any questions you might have and work with you to make sure you are properly covered.  If you already do business with Beeler Insurance we thank you.  If you do not, we ask that you give us a try today.<br /> Till next time,<br /> Chris Beeler</span></p> urn:uuid:4ffebaa8-a7ef-4303-8988-e2f1f482cbc9<img src='http://t0.gstatic.com/images?q=tbn:RrLgyVTs4i4RuM:http://googleranking.in/google_ranking_india.jpg' align='left' />Hello Beeler Bloggers, For all of my readers that are not familiar with some of the technical terms regarding the web and specifically web marketing this post may bore you. I have long enjoyed a Google site ranking  of 6 or better but recently my Go...Mon, 12 Oct 2009 10:03:48 -0500<span style="font-size: 18px; font-family: verdana;">Hello Beeler Bloggers,<br /> For all of my readers that are not familiar with some of the technical terms regarding the web and specifically web marketing this post may bore you.<br /> <br /> I have long enjoyed a Google site ranking <a href="http://images.google.com/imgres?imgurl=http://googleranking.in/google_ranking_india.jpg&amp;imgrefurl=http://www.googleranking.in/&amp;usg=__FrY0niJ9aqoXu8w0DizYBtKHhGs=&amp;h=250&amp;w=250&amp;sz=26&amp;hl=en&amp;start=6&amp;sig2=gbcV1cvyCvwLYQYl_b2w6A&amp;tbnid=RrLgyVTs4i4RuM:&amp;tbnh=111&amp;tbnw=111&amp;prev=/images%3Fq%3Dgoogle%2Branking%26gbv%3D2%26hl%3Den%26sa%3DG&amp;ei=lETTSqX0OYKytweq56wV"><img width="111" height="111" alt="" style="border: 1px solid;" src="http://t0.gstatic.com/images?q=tbn:RrLgyVTs4i4RuM:http://googleranking.in/google_ranking_india.jpg" /></a> of 6 or better but recently my Google page rank fell to 1.<br /> (If you understand the significance of this your jaw is now dropping<a href="http://images.google.com/imgres?imgurl=http://i67.photobucket.com/albums/h304/NOReason987/Jaw_Dropping_Dog2.jpg&amp;imgrefurl=http://www.myspace.com/caseyschuber&amp;usg=__JJtvgFhBdAT102efnXYrrcnz3Qw=&amp;h=406&amp;w=402&amp;sz=34&amp;hl=en&amp;start=6&amp;sig2=41WJmMXworMpZmxk9Lzj5A&amp;tbnid=yEznJdB3H2nhdM:&amp;tbnh=124&amp;tbnw=123&amp;prev=/images%3Fq%3Djaw%2Bdropping%26gbv%3D2%26hl%3Den%26sa%3DG&amp;ei=uETTSuOnKYqYtgfIsOn3Aw"><img width="123" height="124" alt="" style="border: 1px solid;" src="http://t3.gstatic.com/images?q=tbn:yEznJdB3H2nhdM:http://i67.photobucket.com/albums/h304/NOReason987/Jaw_Dropping_Dog2.jpg" /></a>).<br /> Why? In all of my analysis the only thing I can conclude is they did not like one of my Blog entries about Teen Sexting (upon discovery I deleted/removed this post)<br /> <br /> In that entry I sited a very cogent article about the concerns of teen sexting.  THEN I MADE A FATAL ERROR: I GOOGLED IMAGES OF TEEN SEXTING &amp; POSTED THEM IN THE ENTRY.  I wanted to present the images to my readers and ask their opinion of them.<br /> <br /> The Google bot must have downgraded my site for having these images on my blog.  So, my warning to you is to be very, very careful about the images you post on your site or you may learn the hard way that GOOGLE DOES NOT LIKE YOUR BLOG EITHER.<br /> <br /> If any of my readers know of a way to reverse my down hill Google slide <a href="http://images.google.com/imgres?imgurl=http://www.rockymountainroads.com/wyoming001/us-014a_downgrade_signage_01.jpg&amp;imgrefurl=http://www.rockymountainroads.com/us-014alt_wy.html&amp;usg=__c3FSAofPuEbvC0LhRYBadNf_jDE=&amp;h=607&amp;w=410&amp;sz=55&amp;hl=en&amp;start=6&amp;sig2=jKV_ZkjP_ovGbB-0ViyIGA&amp;tbnid=DLUg1waCwUjqqM:&amp;tbnh=136&amp;tbnw=92&amp;prev=/images%3Fq%3Ddowngrade%26gbv%3D2%26hl%3Den&amp;ei=AkXTSvO9JuOwtgemjqW8BQ"><img width="92" height="136" alt="" style="border: 1px solid;" src="http://t0.gstatic.com/images?q=tbn:DLUg1waCwUjqqM:http://www.rockymountainroads.com/wyoming001/us-014a_downgrade_signage_01.jpg" /></a> please email me at <a href="mailto:sn@beelerinsurance.com"><span style="font-size: 24px;">sn@beelerinsurance.com</span></a> with your comments &amp; suggestions.<br /> Til next time,<br /> Chris Beeler</span> urn:uuid:c39fde4f-277a-4137-b336-7446ccba5506<img src='http://bliss888.files.wordpress.com/2009/03/iceberg1.jpg' align='left' />Hello Beeler Bloggers, are you drying out after all the rains in the Southeast?  Today's post covers a scary topic.  What to do if/when you are sued after a car accident.  1) Always contact your car insurance company immediately if there was any d...Mon, 28 Sep 2009 10:01:44 -0500<span style="font-family: verdana;"><span style="font-size: 18px;">Hello Beeler Bloggers, are you drying out after all the rains in the Southeast?  Today's post covers a scary topic.  What to do if/when you are sued after a car accident.  <br /> </span> <p ><span style="font-size: 18px;"><img style="width: 140px; height: 200px;" alt="Just the tip of the iceburg" src="http://bliss888.files.wordpress.com/2009/03/iceberg1.jpg" /></span></p> <p><span style="font-size: 18px;">1) Always contact your car insurance company immediately if there was any damage at all. You do not want to give them an excuse not to defend and indemnify you.</span></p> <p><span style="font-size: 18px;">2) All car insurance policies, even a minimum limits $25,000.00 policy, will provide you with a free lawyer in the event you are sued .</span></p> <p><span style="font-size: 18px;">3) The insurance carrier will indemnify you up to the policy limits amount. Let's assume you caused a crash and the person broke their leg and you get sued over it. In the situation where you have minimum limits, the insurance company will provide a lawyer to you at no cost under the "duty to defend" and you will get indemnity up to the limits. If you have a $25,000.00 policy and the jury awards $35,000.00, then $10,000 of the judgment will be entered against you after your insurance company pays out. Not a good situation so.....</span></p> <p><span style="font-size: 18px;">4) If there is a claim against you or you are sued, make sure you find out from your insurance company: a) what is the claimed injury, b) what are the gross medical bills and lost wages, c) what is the insurance company's assessment of the verdict d) how do they plan to protect you? If you do not have much coverage, then write your insurance company a letter making it clear that you expect them to pay the policy limits out if they have a chance to get you a release or a limited liability release.</span></p> <p><span style="font-size: 18px;">5) Your homeowner's insurance does not play a role in debts you owe because of a car accident in Georgia. </span></p> <p><span style="font-size: 18px;">If your insurance company refuses to pay the policy limits out to protect you after the injured person's lawyer demands the limits and there is a verdict for an amount over your limits (an excess verdict), in some instances you can sue your insurance company for failing to protect you. This scenario is referred to as "punitive damages".<br /> <br /> Ok, so you now know the ins and outs of what to do if you receive that nasty notice from the Sheriffs office that you are being sued.  Do you have an experience where you have been or know some one who has been sued after a car insurance accident?  If so, email me at </span><a href="mailto:sn@beelerinsurance.com"><span style="font-size: 18px;">sn@beelerinsurance.com</span></a><span style="font-size: 18px;"> and we'll post comments on our next blog entry.<br /> Til next time,<br /> Chris Beeler</span></p> </span> urn:uuid:9880a278-0c7f-474d-9afe-69993ce012c8I would like to thank Duke Williams for telling me about Augmented Reality.  You can learn more about Duke by visiting his blog at http://dukethinkingonline.blogspot.com Augmented Reality is a bit hard to explain so check out this video instead I...Thu, 10 Sep 2009 21:02:44 -0500<span style="font-family: verdana; font-size: 18px;">I would like to thank Duke Williams for telling me about Augmented Reality.  You can learn more about Duke by visiting his blog at <a href="http://dukethinkingonline.blogspot.com"><span style="font-size: 24px;">http://dukethinkingonline.blogspot.com</span></a><br /> <br /> Augmented Reality is a bit hard to explain so check out this video instead </span><embed height="360" type="application/x-shockwave-flash" width="580" src="http://www.youtube-nocookie.com/v/b64_16K2e08&amp;hl=en&amp;fs=1&amp;rel=0&amp;color1=0x3a3a3a&amp;color2=0x999999&amp;border=1" allowscriptaccess="always" allowfullscreen="true" /><br /> <br /> <br /> <span style="font-size: 24px;">I predict the eventually you'll be able to point your cell phone toward a human and have an application on your phone that will return an immediate identification and background information on that person.<br /> <br /> What do you think about this coming concept?<br /> Let me know by emailing me at sn@beelerinsurance.com<br /> Til next time,<br /> Chris Beeler</span> urn:uuid:2f6f30b0-6d8c-4db4-b023-65de825b8a3d<img src='http://t0.gstatic.com/images?q=tbn:UA8sH0pSeW1OLM:http://1.bp.blogspot.com/_Ud3-s6z8UiI/Sco-TOhE1fI/AAAAAAAAAHw/lsNdcWaRS70/s320/KickedOut.gif' align='left' />Hello Beeler Bloggers,Occasionally I actually post original content on my blog from real world &amp; work situations.&nbsp; But, not today.&nbsp; I found this interesting article on Yahoo this morning.&nbsp; Should someone be fired for sending an ema...Wed, 02 Sep 2009 09:14:02 -0500<font size=4 face=Verdana>Hello Beeler Bloggers,<br>Occasionally I actually post original content on my blog from real world &amp; work situations.&nbsp; But, not today.&nbsp; I found this interesting article on Yahoo this morning.&nbsp; Should someone be fired for sending an email in All Caps? Read on:<br> <p>WHAT COULD BE MORE ANNOYING THAN THIS? <strong>MAYBE IF IT WAS</strong> <strong>BOLD? <font color=#ff0000>AND RED?<br></font></strong><br>And if you worked for New Zealand's Procarp Health, it could even get you fired.</p> <p><a href="http://us.lrd.yahoo.com/_ylt=AgFwQFMy702lH378NgcdWmDPMZA5/SIG=12fqprld1/**http%3A//www.nzherald.co.nz/nz/news/article.cfm%3Fc_id=1%26objectid=10594014"><font color=#000000>That's exactly what happened to Vicki Walker</font></a>, who was abruptly kicked out&nbsp;<a href="http://images.google.com/imgres?imgurl=http://1.bp.blogspot.com/_Ud3-s6z8UiI/Sco-TOhE1fI/AAAAAAAAAHw/lsNdcWaRS70/s320/KickedOut.gif&amp;imgrefurl=http://tonyclarkeindependent.blogspot.com/2009/03/clyde-loakes-direct-no-fee-no-win-100.html&amp;usg=__nvv4v3Zv0qlrHb7_cQeuajRmvCs=&amp;h=273&amp;w=302&amp;sz=35&amp;hl=en&amp;start=3&amp;sig2=ZKB3VkFWB-Qb5Ja37Kac5Q&amp;um=1&amp;tbnid=UA8sH0pSeW1OLM:&amp;tbnh=105&amp;tbnw=116&amp;prev=/images%3Fq%3Dkicked%2Bout%26hl%3Den%26safe%3Doff%26rls%3Dcom.microsoft:en-us%26sa%3DN%26um%3D1&amp;ei=hXyeSsyZNJWktweBoMTuAw"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://t0.gstatic.com/images?q=tbn:UA8sH0pSeW1OLM:http://1.bp.blogspot.com/_Ud3-s6z8UiI/Sco-TOhE1fI/AAAAAAAAAHw/lsNdcWaRS70/s320/KickedOut.gif" width=116 height=105></a>&nbsp;of her job for sending "confrontational emails" with text formatted in a variety of red, bold, and all caps fonts. Walker had sent the emails to fellow workers within the company, usually with stern and detailed instructions on how forms should be properly filled out.</p> <p>Someone at ProCare didn't like her approach, suggesting she caused "disharmony in the workplace" and was being too confrontational via email, eventually firing her without warning.</p> <p>Walker, however, got the last laugh. She sued for wrongful termination and won the case, pocketing $17,000&nbsp;<a href="http://images.google.com/imgres?imgurl=http://img.domaintools.com/blog/show-money.gif&amp;imgrefurl=http://www.domaintasting.com/tags/domainsponsor-oversee/&amp;usg=__wKEU2xfZG_uVYUhL4XO1805AzSU=&amp;h=176&amp;w=150&amp;sz=27&amp;hl=en&amp;start=4&amp;sig2=g6EpTe9_D_OLvSLfgvzx5A&amp;um=1&amp;tbnid=Y-RN1xKcgce8aM:&amp;tbnh=100&amp;tbnw=85&amp;prev=/images%3Fq%3Dshow%2Bmoney%26hl%3Den%26safe%3Doff%26rls%3Dcom.microsoft:en-us%26sa%3DG%26um%3D1&amp;ei=qHyeSsCwAdCytwfjvvHoAw"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://t1.gstatic.com/images?q=tbn:Y-RN1xKcgce8aM:http://img.domaintools.com/blog/show-money.gif" width=85 height=100></a>&nbsp;in lost wages and for other unspecified harm caused due to the firing.</p> <p>Quite a predicament. Is it actually possible to be confrontational in an email message?&nbsp;<a href="http://images.google.com/imgres?imgurl=http://taktak.net/Repository/blog/275/f481715b-3315-4c21-848d-f6f2c51a97ba.jpg&amp;imgrefurl=http://www.taktak.net/Playground/FlimFlam/Entry/275/PassiveAggressiveNotes.aspx&amp;usg=__hODDEopoilrGMtQOX1nmRclvBDo=&amp;h=375&amp;w=500&amp;sz=29&amp;hl=en&amp;start=5&amp;sig2=REu6teZOQKIZudAxmna1eQ&amp;um=1&amp;tbnid=5fQQy5LtwpWkRM:&amp;tbnh=98&amp;tbnw=130&amp;prev=/images%3Fq%3Dpassive%2Baggressive%26hl%3Den%26safe%3Doff%26rls%3Dcom.microsoft:en-us%26sa%3DG%26um%3D1&amp;ei=yXyeStcfxKS3B-rQrd8D"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://t0.gstatic.com/images?q=tbn:5fQQy5LtwpWkRM:http://taktak.net/Repository/blog/275/f481715b-3315-4c21-848d-f6f2c51a97ba.jpg" width=130 height=98></a><br><br>By all accounts, Walker's emails sound rude and brusque, but did she cross a line? Just how angry would an email have to be in order to merit being fired from her job? I know I've sent a "confrontational" message or two to my co-workers in the past, and I've received more than my fair share of them, I think. I never recall anyone getting fired for it. </p> <p>What do you think? Is it OK to fire someone for misuse of their caps lock button? Feel free to respond by emailing your comments to&nbsp;me at <a href="mailto:sn@beelerinsurance.com">sn@beelerinsurance.com</a><br>I'll be posting comments as they come in and eventually I'll have a blog that you can comment on write on my webpage.<br>Until next time, <a href="http://images.google.com/imgres?imgurl=http://thetractorcab.files.wordpress.com/2008/08/smiley-face.jpg&amp;imgrefurl=http://thetractorcab.wordpress.com/2008/08/20/time-to-smile/&amp;usg=__0OwsdybRB-cFnzeXG58J5h8pwpI=&amp;h=1200&amp;w=1200&amp;sz=226&amp;hl=en&amp;start=2&amp;sig2=qtM_QGnh58wcK7Pxzxw-Eg&amp;um=1&amp;tbnid=BqoKe6gz24p-aM:&amp;tbnh=150&amp;tbnw=150&amp;prev=/images%3Fq%3Dsmiley%2Bface%26hl%3Den%26safe%3Doff%26rls%3Dcom.microsoft:en-us%26um%3D1&amp;ei=UX2eSpCUII-ftgfiwYTpAw"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://t2.gstatic.com/images?q=tbn:BqoKe6gz24p-aM:http://thetractorcab.files.wordpress.com/2008/08/smiley-face.jpg" width=150 height=150></a><br>Chris Beeler</p></font>urn:uuid:c1ad3af8-a4eb-4ddb-b510-a8c4cee0374dHello Beeler Bloggers,I must give full credit for this article to cnn.com.&nbsp; I copied and pasted this entire text from them but it was so interesting I just had to share it.&nbsp; Enjoy! Story Highlights Facebook is a great tool -- and a remin...Thu, 20 Aug 2009 14:03:21 -0500<p align=left><font face=Verdana size=4>Hello Beeler Bloggers,<br>I must give full credit for this article to cnn.com.&nbsp; I copied and pasted this entire text from them but it was so interesting I just had to share it.&nbsp; Enjoy!<br></p><font size=5> <hr> <p align=center>Story Highlights</font><font size=4><font size=4></p> <ul> <li>Facebook is a great tool -- and a reminder of why some people get on your nerves</font></li> <li>Too many status updates read like navel-gazing diary entries, or worse, spam <li>A dozen of the most annoying types of Facebook users listed <li>Among them: bores, shameless self-promoters and people who send you quizzes</li></ul> <p><b>(CNN)</b> -- Facebook, for better or worse, is like being at a big party with all your friends, family, acquaintances and co-workers.</p> <p>There are lots of fun, interesting people you're happy to talk to when they stroll up. Then there are the other people, the ones who make you cringe when you see them coming. This article is about those people.</p> <p>Sure, Facebook can be a great tool for keeping up with folks who are important to you. Take the status update, the 160-character message that users post in response to the question, "What's on your mind?" An artful, witty or newsy status update is a pleasure -- a real-time, tiny window into a friend's life.</p> <p>But far more posts read like navel-gazing diary entries, or worse, spam. A recent study categorized 40 percent of Twitter tweets as "pointless babble," and it wouldn't be surprising if updates on Facebook, still a fast-growing social network, break down in a similar way. </p> <p>Combine dull status updates with shameless self-promoters, "friend-padders" and that friend of a friend who sends you quizzes every day, and <a class=cnninlinetopic href="http://topics.cnn.com/topics/Facebook_Inc" target=_blank><font color=#000000>Facebook</font></a> becomes a daily reminder of why some people can get on your nerves.</p> <p>Here are 12 of the most annoying types of Facebook users:</p> <p><b>The Let-Me-Tell-You-Every-Detail-of-My-Day Bore.</b> "I'm waking up." "I had Wheaties for breakfast." "I'm bored at work." "I'm stuck in traffic." You're kidding! How fascinating! No moment is too mundane for some people to broadcast unsolicited to the world. Just because you have 432 Facebook friends doesn't mean we all want to know when you're waiting for the bus.</p> <p><b>The Self-Promoter.</b> OK, so we've probably all posted at least once about some achievement. And sure, maybe your friends really do want to read the fascinating article you wrote about beet farming. But when almost EVERY update is a link to your blog, your poetry reading, your 10k results or your art show, you sound like a bragger or a self-centered careerist.</p> <p><b>The Friend-Padder.</b> The average Facebook user has 120 friends on the site. Schmoozers and social butterflies -- you know, the ones who make lifelong pals on the subway -- might reasonably have 300 or 400. But 1,000 "friends?" Unless you're George Clooney or just won the lottery, no one has that many. That's just showing off.</p> <p><b>The Town Crier.</b> "Michael Jackson is dead!!!" You heard it from me first! Me, and the 213,000 other people who all saw it on TMZ. These Matt Drudge wannabes are the reason many of us learn of breaking news not from TV or news sites but from online social networks. In their rush to trumpet the news, these people also spread rumors, half-truths and innuendo. No, Jeff Goldblum did not plunge to his death from a New Zealand cliff.</p> <p><b>The TMIer.</b> "Brad is heading to Walgreens to buy something for these pesky hemorrhoids." Boundaries of privacy and decorum don't seem to exist for these too-much-information updaters, who unabashedly offer up details about their sex lives, marital troubles and bodily functions. Thanks for sharing.</p> <p><b>The Bad Grammarian.</b> "So sad about Fara Fauset but Im so gladd its friday yippe". Yes, I know the punctuation rules are different in the digital world. And, no, no one likes a spelling-Nazi schoolmarm. But you sound like a moron.</p> <p><b>The Sympathy-Baiter.</b> "Barbara is feeling sad today." "Man, am I glad that's over." "Jim could really use some good news about now." Like anglers hunting for fish, these sad sacks cast out their hooks -- baited with vague tales of woe -- in the hopes of landing concerned responses. Genuine bad news is one thing, but these manipulative posts are just pleas for attention.</p> <p><b>The Lurker.</b> The Peeping Toms of Facebook, these voyeurs are too cautious, or maybe too lazy, to update their status or write on your wall. But once in a while, you'll be talking to them and they'll mention something you posted, so you know they're on your page, hiding in the shadows. It's just a little creepy.</p> <p><b>The Crank.</b> These curmudgeons, like the trolls who spew hate in blog comments, never met something they couldn't complain about. "Carl isn't really that impressed with idiots who don't realize how idiotic they are." [Actual status update.] Keep spreading the love.</p> <p><b>The Paparazzo.</b> Ever visit your Facebook page and discover that someone's posted a photo of you from last weekend's party -- a photo you didn't authorize and haven't even seen? You'd really rather not have to explain to your mom why you were leering like a drunken hyena and French-kissing a bottle of Jagermeister.</p> <p><b>The Maddening Obscurist.</b> "If not now then when?" "You'll see..." "Grist for the mill." "John is, small world." "Dave thought he was immune, but no. No, he is not." [Actual status updates, all.] Sorry, but you're not being mysterious -- just nonsensical.</p> <p><b>The Chronic Inviter.</b> "Support my cause. Sign my petition. Play Mafia Wars with me. Which 'Star Trek' character are you? Here are the 'Top 5 cars I have personally owned.' Here are '25 Things About Me.' Here's a drink. What drink are you? We're related! I took the 'What President Are You?' quiz and found out I'm Millard Fillmore! What president are you?"</p> <p class=cnninline>You probably mean well, but stop. Just stop. I don't care what president I am -- can't we simply be friends? Now excuse me while I go post the link to this story on my Facebook page.<br></p> <p><br>&nbsp;</p></font></font>urn:uuid:557eecf2-48b2-470a-8144-12f05f64ec8a<img src='http://tbn3.google.com/images?q=tbn:oKY3T0kYOeDmEM:http://pix.motivatedphotos.com/2008/11/18/633625642627639038-miscalculation.jpg' align='left' />Is there some kind of a law that when an automobile insurance agent gives a car insurance quote and then goes up, they have to honor the initial quote?Leonard HLindale GA Leonard,Thanks for the question.&nbsp; Normally, when you get car insurance quo...Thu, 13 Aug 2009 22:05:49 -0500<p><span style="FONT-FAMILY: Times-Roman"><font size=4 face=Verdana>Is there some kind of a law that when an automobile insurance agent gives a car insurance quote and then goes up, they have to honor the initial quote?<br></font><a href="http://images.google.com/imgres?imgurl=http://pix.motivatedphotos.com/2008/11/18/633625642627639038-miscalculation.jpg&amp;imgrefurl=http://www.motivatedphotos.com/%3Fid%3D5871&amp;usg=__mJ1Aa_VXxaB0sc2wu4FrAmxl9Qs=&amp;h=600&amp;w=750&amp;sz=87&amp;hl=en&amp;start=1&amp;sig2=6veOKPnH6D5e9Dht1FoK3g&amp;um=1&amp;tbnid=oKY3T0kYOeDmEM:&amp;tbnh=113&amp;tbnw=141&amp;prev=/images%3Fq%3Dmiscalculation%26hl%3Den%26rls%3Dcom.microsoft:en-us%26um%3D1&amp;ei=gbuEStflNZHnlAfpvYnBBQ"><font size=4 face=Verdana><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn3.google.com/images?q=tbn:oKY3T0kYOeDmEM:http://pix.motivatedphotos.com/2008/11/18/633625642627639038-miscalculation.jpg" width=141 height=113></font></a><br></span><font face=Verdana><font size=4><span style="FONT-FAMILY: Times-Roman">Leonard H<br></span><span style="FONT-FAMILY: Times-Roman">Lindale</span><span style="FONT-FAMILY: Times-Roman"> GA</span> <br><br></font></font><font face=Verdana><font size=4><span style="FONT-FAMILY: Times-Roman">Leonard,<br></span><span style="FONT-FAMILY: Times-Roman">Thanks for the question.&nbsp; Normally, when you get car insurance quote from an automobile insurance agent they rely on statements that you make when providing the quote.&nbsp; If you apply for coverage and the company learns that your application has incorrect information&nbsp;<a href="http://images.google.com/imgres?imgurl=http://www.anydocsoftware.com/pains/images/grph_inaccurate.jpg&amp;imgrefurl=http://www.anydocsoftware.com/pains/inaccurate.html&amp;usg=__Y3PfLOk7zlgdwEpSBmCcddQJC4o=&amp;h=197&amp;w=154&amp;sz=11&amp;hl=en&amp;start=3&amp;sig2=68hc49eS-cxCscMRH20q9A&amp;um=1&amp;tbnid=FyMHY_VicGqUSM:&amp;tbnh=104&amp;tbnw=81&amp;prev=/images%3Fq%3Dinaccurate%26hl%3Den%26rls%3Dcom.microsoft:en-us%26sa%3DG%26um%3D1&amp;ei=XbyESsrGJZOZlAfD7eTABQ"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn3.google.com/images?q=tbn:FyMHY_VicGqUSM:http://www.anydocsoftware.com/pains/images/grph_inaccurate.jpg" width=81 height=104></a>(such as an undisclosed accident or ticket or additional drivers in your household) they will update your application/policy and update your premium with the new information.&nbsp; They will then send you a notice with the reasons for the update/uprate and include a bill requesting that you pay the difference.&nbsp; Some Georgia insurance company’s will even cancel the policy if your undisclosed activity makes you an un-acceptable risk according to their standards.</span></font></font></p> <p><span style="FONT-FAMILY: Times-Roman"><font size=4 face=Verdana>Now, this next part is very important; in Georgia the insurance company only has 60 days from the effective date of the policy to take this action</font><a href="http://images.google.com/imgres?imgurl=http://www.nwce.gov.uk/bank_images/deadline1.jpg&amp;imgrefurl=http://midnightwriters.blogspot.com/2007_12_01_archive.html&amp;usg=__SxNju4fmHbYFycENekipY1GLKsE=&amp;h=349&amp;w=347&amp;sz=36&amp;hl=en&amp;start=6&amp;sig2=S-Wwjwtdcc2dCXvgJf7ROg&amp;um=1&amp;tbnid=Wi2AmclT2K_KSM:&amp;tbnh=120&amp;tbnw=119&amp;prev=/images%3Fq%3Ddeadline%26hl%3Den%26rls%3Dcom.microsoft:en-us%26sa%3DN%26um%3D1&amp;ei=hLyESsWTMI6TlAfSjeHABQ"><font size=4 face=Verdana><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn0.google.com/images?q=tbn:Wi2AmclT2K_KSM:http://www.nwce.gov.uk/bank_images/deadline1.jpg" width=119 height=120></font></a><font size=4 face=Verdana>.&nbsp; This period of time is known as the “discovery period”.&nbsp; If a company learns of these undisclosed violations on the 61^st day or beyond they do not have the option to update your policy mid-term.&nbsp; They can only update your policy at the next renewal.</font></span></p> <p><span style="FONT-FAMILY: Times-Roman"><font size=4 face=Verdana>If you do not agree with the decision of the company canceling your policy you have the right to appeal. Just look at the back of the notice for details on this appeal process.&nbsp; By Georgia law every notice of adverse action or cancelation or non-renewal must list the ways to appeal a company’s decision.</font></span></p> <p><span style="FONT-FAMILY: Times-Roman"><font size=4 face=Verdana>Back to the question at hand; there is no law that requires an agent or company to honor a mis-quote.&nbsp; And here is the kicker; they don’t have to honor a mis-quote even if it’s a company error.&nbsp; But if you believe that the automobile insurance agent did something illegal regarding your car insurance quote you can always make a complaint with the office of the State of Georgia Insurance Commissioner John Oxendine.</font></span></p> <p><span style="FONT-FAMILY: Times-Roman"><font size=4 face=Verdana></font></span></p> <p><span style="FONT-FAMILY: Times-Roman"><font size=4 face=Verdana>I do want to add one last thing.&nbsp; At Beeler Insurance our agency never issue’s a policy that results in an uprate;what you are calling a mis-quote.&nbsp; The reason is that we pull all pertinent reports (your motor vehicle report, accident history, and additional driver discovery) before you book the policy.&nbsp; So, if you have had mis-quotes you may be dealing with the wrong agency.&nbsp; Give Beeler Insurance a try by getting your comparison car insurance quote right online at </font><a href="http://www.beelerinsurance.com/"><u><font color=#800080 size=4 face=Verdana>www.beelerinsurance.com</font></u></a></span></p> <p><span style="FONT-FAMILY: Times-Roman"><font size=4 face=Verdana>Til next time,</font></span></p> <p><span style="FONT-FAMILY: Times-Roman"><font size=4 face=Verdana>Chris Beeler</font></span></p>urn:uuid:3df70bf3-3a2b-4924-bb32-2990a7f6562f<img src='http://tbn0.google.com/images?q=tbn:7RYEgybh7zIhRM:http://www.biojobblog.com/uploads/image/innovation(2).jpg' align='left' />Hello again Beeler Bloggers,I just finished a three day intensive training seminar and I really learned some new and innovative&nbsp;ways to better serve my customers &amp; community.One of the questions at the seminar focused on whether a Life Insur...Sat, 08 Aug 2009 16:26:45 -0500<p><span style="FONT-SIZE: 13.5pt; FONT-FAMILY: Verdana">Hello again Beeler Bloggers,<br><a id=thumbnail href="http://www.biojobblog.com/uploads/image/innovation(2).jpg"><img style="BORDER-RIGHT: 1px solid; BORDER-TOP: 1px solid; FLOAT: left; MARGIN: 10px 10px 0px; BORDER-LEFT: 1px solid; BORDER-BOTTOM: 1px solid" height=80 alt="See full size image" src="http://tbn0.google.com/images?q=tbn:7RYEgybh7zIhRM:http://www.biojobblog.com/uploads/image/innovation(2).jpg" width=57></a>I just finished a three day intensive training seminar and I really learned some new and innovative&nbsp;ways to better serve my customers &amp; community.<br><br><br>One of the questions at the seminar focused on whether a Life Insurance comparison/review is really <a id=thumbnail href="http://open.salon.com/blog/m_b/files/duh-duh1233387823.jpg"><img style="BORDER-RIGHT: 1px solid; BORDER-TOP: 1px solid; FLOAT: left; MARGIN: 10px 10px 0px; BORDER-LEFT: 1px solid; BORDER-BOTTOM: 1px solid" height=68 alt="See full size image" src="http://tbn2.google.com/images?q=tbn:yklid7BeQ9JasM:http://open.salon.com/blog/m_b/files/duh-duh1233387823.jpg" width=129></a>necessary for our clients<br><a href="http://images.google.com/imgres?imgurl=http://open.salon.com/blog/m_b/files/duh-duh1233387823.jpg&amp;imgrefurl=http://open.salon.com/blog/m_b/top_rated&amp;usg=__Qdxzn-HYd2TjZKYoTBmzMGk45Vg=&amp;h=251&amp;w=475&amp;sz=48&amp;hl=en&amp;start=3&amp;sig2=4NoLLOqcp0LgVilK_oPO7A&amp;um=1&amp;tbnid=yklid7BeQ9JasM:&amp;tbnh=68&amp;tbnw=129&amp;prev=/images%3Fq%3Dduh%26hl%3Den%26rls%3Dcom.microsoft:en-us%26um%3D1&amp;ei=auN9StfXEIaGmAeo47XeAg"></a></span></p> <p><span style="FONT-SIZE: 13.5pt; FONT-FAMILY: Verdana"><br><br><br><br>When you&nbsp;consider a life insurance policy</span><span style="FONT-SIZE: 13.5pt; FONT-FAMILY: Verdana">,&nbsp;<a id=thumbnail href="http://www.buysellbiz.com/considering.JPG"><img style="BORDER-RIGHT: 1px solid; BORDER-TOP: 1px solid; FLOAT: left; MARGIN: 10px 10px 0px; BORDER-LEFT: 1px solid; WIDTH: 68px; BORDER-BOTTOM: 1px solid; HEIGHT: 92px" height=80 alt="See full size image" src="http://tbn1.google.com/images?q=tbn:XGitYkbTyrx8ZM:http://www.buysellbiz.com/considering.JPG" width=52></a>you really do need to do a life insurance comparison. This is to ensure that you get the best possible rates and the best possible policy for your needs. Different companies sell different types of policies so you need to do a life insurance comparison of all the different types available. You also want to get a policy with low cost premiums.</span> </p> <p><span style="FONT-SIZE: 13.5pt; FONT-FAMILY: Verdana">With a life insurance comparison, you have to decide whether you want&nbsp;whole life (also called cash value)&nbsp;insurance or whether&nbsp;a low cost term life insurance policy is right for you. There is a significant difference between the two.<br><br>Term life insurance is only good for a specific period of time. If&nbsp;<a id=thumbnail href="http://www.seeleymedia.com/images/expire.jpg"><img style="BORDER-RIGHT: 1px solid; BORDER-TOP: 1px solid; FLOAT: left; MARGIN: 10px 10px 0px; BORDER-LEFT: 1px solid; BORDER-BOTTOM: 1px solid" height=73 alt="See full size image" src="http://tbn0.google.com/images?q=tbn:i-3QNNOcJ3GuNM:http://www.seeleymedia.com/images/expire.jpg" width=127></a>you do not die within the term selected (1, 5, 10, 15, 20, &amp; 30 year terms are generally available), then the life insurance policy expires</span><span style="FONT-SIZE: 13.5pt; FONT-FAMILY: Verdana">.<br><br><br><br>If you still have a need for the term life insurance after your first term expires you must meet medical qualifications for the renewal policy again and pay premiums based on your higher age.&nbsp; <a id=thumbnail href="http://static.commentcamarche.net/en.kioskea.net/faq/images/2228-timer-icon.png"><img style="BORDER-RIGHT: 1px solid; BORDER-TOP: 1px solid; FLOAT: left; MARGIN: 10px 10px 0px; BORDER-LEFT: 1px solid; BORDER-BOTTOM: 1px solid" height=80 alt="See full size image" src="http://tbn1.google.com/images?q=tbn:-2TBMiboCXwUwM:http://static.commentcamarche.net/en.kioskea.net/faq/images/2228-timer-icon.png" width=80></a>Your term renewal premuims are usually much higher than you were paying in the first term.&nbsp; So, when buying term life insurance you must realize that the clock is ticking </span><span style="FONT-SIZE: 13.5pt; FONT-FAMILY: Verdana">and the policy only pays a death benefit if you die during the term.&nbsp; If you don't die during the initial term and need coverage for another term the premiums will be higher and you'll have to medically qualify again.<br><br>Whole Life/Cash Value&nbsp;insurance lasts for your whole life and has options included to help you accumulate money in an account that is tied&nbsp;to your life insurance policy.<br><a href="http://images.google.com/imgres?imgurl=http://i42.photobucket.com/albums/e310/dazg_07/HappyBirthdayOldPerson.jpg&amp;imgrefurl=http://www.myspace.com/awakeningbodywork&amp;usg=__dXS0crrFyMjGQPMuSZCTy-EvYVg=&amp;h=405&amp;w=400&amp;sz=28&amp;hl=en&amp;start=15&amp;sig2=FFzb0y5Xq9NPwSkW2A2uQg&amp;um=1&amp;tbnid=I7mzvGmOF47vBM:&amp;tbnh=124&amp;tbnw=122&amp;prev=/images%3Fq%3Dold%2Bperson%26hl%3Den%26rls%3Dcom.microsoft:en-us%26sa%3DG%26um%3D1&amp;ei=x-x9SsOED6HbmQeLs6CzAg"><img style="BORDER-RIGHT: 1px solid; BORDER-TOP: 1px solid; BORDER-LEFT: 1px solid; BORDER-BOTTOM: 1px solid" height=124 src="http://tbn3.google.com/images?q=tbn:I7mzvGmOF47vBM:http://i42.photobucket.com/albums/e310/dazg_07/HappyBirthdayOldPerson.jpg" width=122></a>There is not an expiration date and your&nbsp;premiums traditionally remain the same for your "whole life"&nbsp;.<br><br>This&nbsp;Whole Life policy&nbsp;will cost more than a Term Life policy <a id=thumbnail href="http://goathillnews.files.wordpress.com/2009/07/cash.jpg"><img style="BORDER-RIGHT: 1px solid; BORDER-TOP: 1px solid; FLOAT: left; MARGIN: 10px 10px 0px; BORDER-LEFT: 1px solid; BORDER-BOTTOM: 1px solid" height=79 alt="See full size image" src="http://tbn2.google.com/images?q=tbn:mNT6FauT6VQhBM:http://goathillnews.files.wordpress.com/2009/07/cash.jpg" width=106></a>in&nbsp;the early years but the additional premiums paid in those early years fund an account tied to the policy that accumulates a "cash value".</span> </p> <p><span style="FONT-SIZE: 13.5pt; FONT-FAMILY: Verdana"><br>Whatever your life insurance&nbsp;need may be, you need to make sure you are comparing the same thing when you do a life insurance comparison.<br>For example, a comparison of quotes for low cost term life&nbsp;<a id=thumbnail href="http://msa4.files.wordpress.com/2008/05/applesandoranges.jpg"><img style="BORDER-RIGHT: 1px solid; BORDER-TOP: 1px solid; FLOAT: left; MARGIN: 10px 10px 0px; BORDER-LEFT: 1px solid; BORDER-BOTTOM: 1px solid" height=80 alt="See full size image" src="http://tbn2.google.com/images?q=tbn:1si6ua93tyh1LM:http://msa4.files.wordpress.com/2008/05/applesandoranges.jpg" width=106></a>insurance with those for&nbsp;Whole Life/Cash Value&nbsp;insurance would be like comparing apples and oranges they are not the same at all.<br><br><br><br>The best way to choose the right life insurance is to develop a relationship with a local agent and meet with him/her to discuss your needs.&nbsp; At Beeler Insurance Agency we would love to create that relationship with you.&nbsp; To contact us about life insurance just visit this link&nbsp;<a href="http://www.beelerinsurance.com/life/default.aspx">http://www.beelerinsurance.com/life/default.aspx</a><br>Until next time, <br><br>Chris Beeler</span> </p>urn:uuid:b7d4bd1b-aa7e-4cce-9695-bf6196f51c86<img src='http://tbn1.google.com/images?q=tbn:OgrldzKD8IQceM:http://www.ebibleteacher.com/backgrnd/blocksGrace3.jpg' align='left' />Hello Beeler Bloggers,I apologize for the extended interval between Blog Posts but it is summer and I have been taking some time with my family.So, I had a question posed to me just yesterday.Is there a grace period to buy car insurance after purchas...Tue, 28 Jul 2009 08:39:34 -0500<p><font size=4 face=Verdana><font face=Tahoma>Hello Beeler Bloggers,<br>I apologize for the extended interval between Blog Posts but it is summer and I have been taking some time with my family.<br><br>So, I had a question posed to me just yesterday.</font><br><font face=Arial><strong>Is there a grace period to buy car insurance after purchasing a used car from a friend? I live in Rome, GA.<br><a href="http://images.google.com/imgres?imgurl=http://www.ebibleteacher.com/backgrnd/blocksGrace3.jpg&amp;imgrefurl=http://www.callingtodeep.blogspot.com/&amp;usg=__v1VjJIxE0R5mp32vL2uNuev1yY0=&amp;h=480&amp;w=640&amp;sz=137&amp;hl=en&amp;start=3&amp;sig2=bnC5lHQlqbMKdjxjVA-fiw&amp;um=1&amp;tbnid=OgrldzKD8IQceM:&amp;tbnh=103&amp;tbnw=137&amp;prev=/images%3Fq%3Dgrace%26hl%3Den%26rls%3Dcom.microsoft:en-us%26sa%3DG%26um%3D1&amp;ei=KupMSpyWOITCmQe6k_GtBA"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn1.google.com/images?q=tbn:OgrldzKD8IQceM:http://www.ebibleteacher.com/backgrnd/blocksGrace3.jpg" width=137 height=103></a><br></strong></font><font face=Arial><strong>Gene,<br></strong></font><font face=Arial><strong>Rome GA<br></strong></font><br>Can you confidently answer this question?&nbsp; I replied:<br><a href="http://images.google.com/imgres?imgurl=http://1.bp.blogspot.com/_NTFMxHh9yAE/Rg08QKKZDUI/AAAAAAAAAWg/XxPV5cPb4-o/s320/long-winded.jpg&amp;imgrefurl=http://cosmicconnie.blogspot.com/2007_03_01_archive.html&amp;usg=__f9wriKUrblK-S0qWdZsoGGqKTBI=&amp;h=227&amp;w=296&amp;sz=15&amp;hl=en&amp;start=4&amp;sig2=dYN9wCFM5QqFgyNghtHEpw&amp;um=1&amp;tbnid=VtqAZbqkOfZU7M:&amp;tbnh=89&amp;tbnw=116&amp;prev=/images%3Fq%3Dlong%2Bwinded%26hl%3Den%26rls%3Dcom.microsoft:en-us%26um%3D1&amp;ei=TOpMSuPnLZyxmAeRq6WpBA"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn0.google.com/images?q=tbn:VtqAZbqkOfZU7M:http://1.bp.blogspot.com/_NTFMxHh9yAE/Rg08QKKZDUI/AAAAAAAAAWg/XxPV5cPb4-o/s320/long-winded.jpg" width=116 height=89></a>My answer is a bit long winded.<br>Gene,<br>In Georgia there is actually no grace period for buying automobile insurance.&nbsp; So, the date you&nbsp;acquire an auto (and subsequently&nbsp;operate the car&nbsp;on the public roadways of our great State) you will need to buy automobile insurance.<br><br>Operating an automobile without insurance is against the law and you will get a ticket if you get caught driving an uninsured auto.<br><a href="http://images.google.com/imgres?imgurl=http://www.uky.edu/Police/images/TrafficTicket.jpg&amp;imgrefurl=http://www.uky.edu/Police/InstructionSheet.html&amp;usg=__2er59UrGebOjGW7zaFOnNqwnLFQ=&amp;h=480&amp;w=640&amp;sz=87&amp;hl=en&amp;start=4&amp;sig2=NjP_LlF-lI8E69x-dLFj8Q&amp;um=1&amp;tbnid=z7VgZrdmo-C6VM:&amp;tbnh=103&amp;tbnw=137&amp;prev=/images%3Fq%3Dtraffic%2Bticket%26hl%3Den%26rls%3Dcom.microsoft:en-us%26um%3D1&amp;ei=e-pMStyHCMPEmQf4_vSiBA"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn0.google.com/images?q=tbn:z7VgZrdmo-C6VM:http://www.uky.edu/Police/images/TrafficTicket.jpg" width=137 height=103></a><br>And furthermore, you wouldn't want to risk the costs involved with paying for an un-insured accident that is your fault.</p> <p>If you already have an in-force auto insurance policy on other cars that you own, your&nbsp;insurance company is required by Georgia Code to&nbsp;extend coverage to you&nbsp;on a newly acquired&nbsp;car&nbsp;for up to 30 days from date the auto was acquired.<br><strong><a href="http://images.google.com/imgres?imgurl=http://blogs.edweek.org/edweek/eduwonkette/upload/2008/05/why_you_should_read_the_fine_p/fine-print-shadow.jpg&amp;imgrefurl=http://blogs.edweek.org/edweek/eduwonkette/2008/05/why_you_should_read_the_fine_p.html&amp;usg=__LydwdLuMmZF10CotIWOTf2SCMfo=&amp;h=585&amp;w=868&amp;sz=101&amp;hl=en&amp;start=2&amp;sig2=IbhVZTrJggGCnw2G3SQv1g&amp;um=1&amp;tbnid=cAUZ6XjtDsQexM:&amp;tbnh=98&amp;tbnw=145&amp;prev=/images%3Fq%3Dfine%2Bprint%26hl%3Den%26rls%3Dcom.microsoft:en-us%26um%3D1&amp;ei=m-pMSqLqEYmqmQetv-mxBA"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn1.google.com/images?q=tbn:cAUZ6XjtDsQexM:http://blogs.edweek.org/edweek/eduwonkette/upload/2008/05/why_you_should_read_the_fine_p/fine-print-shadow.jpg" width=145 height=98></a><br>HOWEVER, this is contingent on 3 important things:<br></strong>1. You must notify the company that issued your in-force policy within 30 days of acquiring the vehicle<br>2. You must produce properly dated documentation that shows you are the owner of the newly acquired automobile and the date you acquired it.<br>3. You must request to add the newly acquired automobile to your in-force policy EFFECTIVE THE DATE YOU ACQUIRED THE AUTO.&nbsp; (this means you agree pay your insurance company&nbsp;for coverage that they provided, beginning the date the auto was acquired,&nbsp;for coverage during the time the auto was on the road but was not on the policy).<br><br>Generally Georgia car insurance companies only extend coverage on a newly acquired vehicle&nbsp;when you have an inforce policy and meet the contingencies above.<br><br>If you don't have an in-force policy you have no coverage and no grace period.</p> <p>I suggest that when you buy a a new or used&nbsp;auto and don't have an in-force policy you should visit <a href="http://www.beelerinsurance.com/"><u><font color=#810081>www.beelerinsurance.com</font></u></a>&nbsp;<br><a href="http://images.google.com/imgres?imgurl=https://www.insurancewebsitebuilder.com/img/~www.beelerinsurance.com/header.jpg&amp;imgrefurl=https://2fe6b31f-8bfe-4665-8d41-651c06c36e8b.insurancewebsitebuilder.com/default.aspx&amp;usg=__Dhh6ni5blx8-XP6umkXB5e9WEDY=&amp;h=434&amp;w=750&amp;sz=90&amp;hl=en&amp;start=1&amp;sig2=SR1x8PF64dBKTmmolCzkLQ&amp;um=1&amp;tbnid=LosSTB_jKH8KWM:&amp;tbnh=82&amp;tbnw=141&amp;prev=/images%3Fq%3Dbeeler%2Binsurance%26hl%3Den%26rls%3Dcom.microsoft:en-us%26um%3D1&amp;ei=yOpMSs-SM8qzmQePzsm4BA"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn2.google.com/images?q=tbn:LosSTB_jKH8KWM:https://www.insurancewebsitebuilder.com/img/~www.beelerinsurance.com/header.jpg" width=141 height=82></a><br>for an instant online comparison quote and then contact us to secure your coverage.&nbsp; We'll issue the required "temporary insurance binder" and get ready to obtain your GA registration/tag and be legal to drive.<br><br>After this, keep&nbsp;the bill of sale, dated within thirty days of the purchase date, and a valid insurance binder&nbsp;to show as temporary proof of insurance in the car with you.<br><br>I hope this helps,<br>Kind regards,<br><br>Chris Beeler<br></p></font>urn:uuid:3a199d61-99d4-4324-83f3-898f8995c7da<img src='https://www.insurancewebsitebuilder.com/admin/images/~www.beelerinsurance.com/Copy%20of%20Pic%201.jpg' align='left' />Well, if any of you BeelerBloggers follow me on facebook ,&nbsp;Chris Beeler (Cedartown, GA), you would know that while using my camper at a campground in Daytona Beach the wind blew a tree on to my camper and destroyed it; check out the photos below...Fri, 10 Jul 2009 08:49:02 -0500<p><font size=4 face=Verdana>Well, if any of you BeelerBloggers follow me on facebook ,&nbsp;Chris Beeler (Cedartown, GA), you would know that while using my camper at a campground in Daytona Beach the wind blew a tree on to my camper and destroyed it; check out the photos below.<br></font><img style="WIDTH: 247px; HEIGHT: 207px" alt="" src="https://www.insurancewebsitebuilder.com/admin/images/~www.beelerinsurance.com/Copy%20of%20Pic%201.jpg" width=369 height=335>&nbsp;&nbsp;&nbsp;&nbsp;<img style="WIDTH: 271px; HEIGHT: 204px" alt="" src="https://www.insurancewebsitebuilder.com/admin/images/~www.beelerinsurance.com/Copy%20of%20Pic%202.jpg" width=339 height=261><br></p> <p><font size=4 face=Verdana>I insured it with Progressive but when I started the policy I chose some important options over and above the basic policy.&nbsp; I elected to pay a small additional premium (8%) for "Agreed Value" coverage.&nbsp; This option allowed <strong>me </strong>to name a total insurance value of my camper so that if a total loss were to occur (as it did with me) Progressive would pay the stated policy value&nbsp;plus sales tax and not on the depreciated NADA "book value" (like a standard policy would).</font><br></p> <p><font size=4 face=Verdana>So, in my case the "book value" of my camper was $2,300 but I had $3,500 in the camper.&nbsp; So, I requested the "Agreed Value" coverage.&nbsp; Doing so paid me and additional $1,200&nbsp;plus tax (an additional $245) over the standard "Actual Cash Value" policy.</font><br></p> <p><font size=4 face=Verdana>Last but not least, my Progressive policy also has a travel expense benefit.&nbsp; This coverage provides me up to $2,000 for accommodations because I had this claim more than 50 miles away from home.&nbsp; So, my wife and I are now at the Days Inn enjoying a beach front room &amp; Progressive is picking up the tab.<img style="WIDTH: 363px; HEIGHT: 453px" alt="" src="https://www.insurancewebsitebuilder.com/admin/images/~www.beelerinsurance.com/Pic%204.jpg" width=1265 height=1003><br>This is now the view from our hotel.&nbsp; How nice!!!<br><br>Last but not least I want to compliment Progressive on their response time.&nbsp; The claim was reported at 4pm in the evening and a camper claims specialist was at my came site by 8:30am the next morning.&nbsp; He was a Florida adjuster and my policy is in Georgia so he quickly coordinated the differences in the coverages between the two states, took plenty of photos, and by 9:30am was preparerd to write a claims settlement check for full policy value.<br><br>So, take it from me.&nbsp; Be sure your camper insurance is based on "Agreed Value" and not "Actual Cash Value" and that you insure with Progressive.&nbsp; Email me with any questions you may have at <a href="mailto:chris@beelerinsurance.com">chris@beelerinsurance.com</a> Oh, by the way, you can get your Progressive policy through Beeler Insurance.<br>Have a great day and I'll be posting again soon.<br>Chris Beeler<br></font></p>urn:uuid:2dd670be-eb27-4df3-9a59-9ee665f5c9c4<img src='http://tbn2.google.com/images?q=tbn:RFxCtubtv1leXM:http://www.auroraaccounting.biz/e-file_logo.jpg' align='left' />The 11 Most Overlooked Tax Deductions Plus four new breaks taxpayers likely will miss this yearby Chris Beeler but compiled from several internet sources Every year, the IRS dutifully reports the most common blunders taxpayers make on their returns. ...Mon, 06 Apr 2009 19:55:04 -0500<p style="MARGIN: 3.75pt 0in 0pt; BACKGROUND: white; mso-margin-bottom-alt: auto; mso-outline-level: 2" class=MsoNormal><span style="FONT-FAMILY: Arial; COLOR: #da7405; FONT-SIZE: 19pt; mso-font-kerning: 18.0pt"><font size=6>The 11 Most Overlooked Tax Deductions<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></font></span></p> <p style="MARGIN: 0in 0in 0pt; BACKGROUND: white" class=MsoNormal><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>Plus four new breaks taxpayers likely will miss this year</font><br><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><em><font color=#797979>by Chris Beeler but compiled from several internet sources<br></font></em></span><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><o:p></o:p></span><br></span></strong></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>Every year, the IRS dutifully reports the most common blunders taxpayers make on their returns. And every year at or near the top of the "oops" list is forgetting to enter a Social Security number on top of the tax form.&nbsp;&nbsp;</font><a href="http://images.google.com/imgres?imgurl=http://www.auroraaccounting.biz/e-file_logo.jpg&amp;imgrefurl=http://www.auroraaccounting.biz/tax.html&amp;usg=__SrDFC8LF0h_Zd9gVPR20FIleeQU=&amp;h=245&amp;w=250&amp;sz=46&amp;hl=en&amp;start=7&amp;sig2=ACCQnK3ZUJ6VXvFVVw9uhw&amp;tbnid=RFxCtubtv1leXM:&amp;tbnh=109&amp;tbnw=111&amp;prev=/images%3Fq%3Dauthorized%2Birs%2Befile%26gbv%3D2%26hl%3Den&amp;ei=pp3aSfTcDpCCmQfdj_HYCA"><font size=4><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn2.google.com/images?q=tbn:RFxCtubtv1leXM:http://www.auroraaccounting.biz/e-file_logo.jpg" width=111 height=109></font></a><font size=4>&nbsp; Of course, it those tax forms would have been E-filed with an authorized E-file tax preparer the tax return could not have been submitted without the Social Security numbers.</font></span></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>Before you bemoan such stupidity of your fellow Americans, ask yourself a simple question: Is that the most common error? Or just the most easily noticed goof?<o:p></o:p></font></span></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>Who knows how many people forgot -- or never knew about -- a deduction that could save them money? That's not the kind of thing government bean counters lose a lot of sleep over.<o:p></o:p></font></span></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>No doubt about it: The opportunity for mistakes is almost unlimited. The most recent numbers show that about 46 million of us itemized deductions on our 1040s -- claiming nearly 1 trillion dollars' worth of deductions. That's right: $1,000,000,000,000</font><a href="http://images.google.com/imgres?imgurl=http://lastfreevoice.files.wordpress.com/2008/10/liberty_trillion_dollar_billa.jpg&amp;imgrefurl=http://lastfreevoice.wordpress.com/2008/10/&amp;usg=__LckILOXfEceDhTWGDJmgt_uULd4=&amp;h=250&amp;w=580&amp;sz=28&amp;hl=en&amp;start=1&amp;sig2=NNZhbHdyGVk2EUw-uT_HQA&amp;tbnid=8Udg_EPCmHRLDM:&amp;tbnh=58&amp;tbnw=134&amp;prev=/images%3Fq%3Done%2Btrillion%2Bdollars%26gbv%3D2%26hl%3Den%26sa%3DG&amp;ei=Bp7aSbmQBOOPmAe8paDhCA"><font size=4><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn0.google.com/images?q=tbn:8Udg_EPCmHRLDM:http://lastfreevoice.files.wordpress.com/2008/10/liberty_trillion_dollar_billa.jpg" width=134 height=58></font></a><font size=4>, a number rarely mentioned out loud until Congress started debating the latest stimulus package.<o:p></o:p></font></span></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>Another 85 million taxpayers claimed more than half a trillion dollars' worth of standard deductions. Some of those who took the easy way out probably shortchanged themselves. (If you turned 65 in 2008, remember that you deserve a bigger standard deduction than younger folks.)<o:p></o:p></font></span></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>Yes friends tax time is a dangerous time. It's all too easy to miss a trick and pay too much. Years ago, the fellow who was running the IRS at the time told&nbsp;</font><a href="http://images.google.com/imgres?imgurl=http://www.depauw.edu/photos/PhotoDB_Repository/2007/3/April%25202007%2520Kiplingers%2520Cover.jpg&amp;imgrefurl=http://www.depauw.edu/news/index.asp%3Fid%3D19079&amp;usg=__7Ef0lzd343a1m4RJ3QgyBPYqArQ=&amp;h=299&amp;w=226&amp;sz=45&amp;hl=en&amp;start=3&amp;sig2=R7_ai57j7bX7pVLe4WWoKw&amp;tbnid=dKgqo2Jsv7qC3M:&amp;tbnh=116&amp;tbnw=88&amp;prev=/images%3Fq%3Dkiplingers%26gbv%3D2%26hl%3Den&amp;ei=Q57aSfWJL92CmAe2srCoCA"><font size=4><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn2.google.com/images?q=tbn:dKgqo2Jsv7qC3M:http://www.depauw.edu/photos/PhotoDB_Repository/2007/3/April%25202007%2520Kiplingers%2520Cover.jpg" width=88 height=116></font></a><font size=4>&nbsp;<i>Kiplinger's Personal Finance</i> magazine&nbsp;that he figured millions of taxpayers overpaid their taxes every year by overlooking just one of the money-savers listed below.<o:p></o:p></font></span></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>Start with the 11 most-overlooked tax deductions. Then check out my final four breaks that are new this year and all but certain to be overlooked by far too many taxpayers. Claim them if you deserve them, and cut your tax bill to the bone<br><br>By the way, have you filed your taxes yet?&nbsp; Did you know you can file your taxes right now online at BeelerInsurance.com?&nbsp; Just click through to our home page for details.&nbsp; We even running an insane internet special for "late filers".&nbsp; Click </font><a href="/category.aspx?id=TAX"><font size=4>here</font></a><font size=4> for all the details<br></font></p><font size=4> <hr> </font> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal></span><font size=4><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>1. State sales taxes:&nbsp; </font></span></strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>Although all taxpayers have a shot at this write-off, it makes sense primarily for those who live in states that do not impose an income tax. You must choose between deducting state and local income taxes or state and local sales taxes. For most citizens of income-tax states, the income-tax deduction is a better deal.<o:p></o:p></font></span></font></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>IRS has tables that show how much residents of various states can deduct. But the tables aren't the last word. If you purchased a vehicle, boat or airplane, you get to add the state sales tax you paid to the amount shown in IRS tables for your state, to the extent the sales tax rate you paid doesn't exceed the state's general sales tax rate.<o:p></o:p></font></span></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>The same goes for home building materials you purchased. These items are easy to overlook, and these add-ons could make the sales-tax deduction a better deal even if you live in a state with an income tax. The IRS even has a calculator on its Web site to help you figure the deduction, which varies depending on the state where you live and your income level.</font></p><font size=4> <hr> </font> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal></span><font size=4><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>2. Reinvested dividends:</font></span></strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"> <font size=4>This isn't really a deduction, but it is a subtraction that can save you a bundle. And, this is the break former IRS Commissioner Fred Goldberg says that lots of taxpayers miss.<o:p></o:p></font></span></font></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4><u>If, like most investors you have mutual fund dividends automatically invested in extra shares, remember that each reinvestment increases your "tax basis" in the fund.</u> That, in turn, reduces the taxable capital gain (or increases the tax-saving loss) when you redeem shares. Forgetting to include the reinvested dividends in your basis -- which you subtract from the proceeds of sale to pinpoint your gain-means overpaying your tax.</font></p><font size=4> <hr> </font> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal></span><font size=4><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>3. Out-of-pocket charitable contributions:</font></span></strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt">&nbsp;<a href="http://images.google.com/imgres?imgurl=http://farm4.static.flickr.com/3079/2867458147_24acf60b47.jpg&amp;imgrefurl=http://www.troopspace.net/donations&amp;usg=__1mBGI7N7DEDISYLxR23ijfCPT7s=&amp;h=457&amp;w=395&amp;sz=45&amp;hl=en&amp;start=2&amp;sig2=MFUbZUjIobKQF-pHPdMNRw&amp;tbnid=ME8bcz4jQlRWSM:&amp;tbnh=128&amp;tbnw=111&amp;prev=/images%3Fq%3Dout%2Bof%2Bpocket%2Bdonation%26gbv%3D2%26hl%3Den%26sa%3DG&amp;ei=G6DaSb3PLdOGmQfhutTLCA"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn3.google.com/images?q=tbn:ME8bcz4jQlRWSM:http://farm4.static.flickr.com/3079/2867458147_24acf60b47.jpg" width=111 height=128></a><br><font size=4>It's hard to overlook the big charitable gifts made during the year, by check or payroll deduction (check your December pay stub). But the little things add up, too, and you can write off out-of-pocket costs incurred while doing good works.<o:p></o:p></font></span></font></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>Ingredients for casseroles you prepare for a church or nonprofit organization's soup kitchen, for example, or the cost of stamps you buy for your school's fundraiser count as a charitable contribution. If you drove your car for charity in 2008, remember to deduct 14 cents per mile (or 35 cents a mile during the first half of the year and 41 cents per mile for driving during the last six months to aid victims of the floods and tornadoes in the <?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" /><st1:place w:st="on">Midwest</st1:place>).</font></p><font size=4> <hr> </font> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal></span><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>4. Student loan interest paid by mom and dad.</font></span></strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>&nbsp;<a href="http://images.google.com/imgres?imgurl=http://bottlelesscoolers.com/images/savings.jpg&amp;imgrefurl=http://bottlelesscoolers.com/savings.html&amp;usg=__sudL7jD5CK6B6AdbgwclCyo3PYU=&amp;h=338&amp;w=356&amp;sz=23&amp;hl=en&amp;start=3&amp;sig2=BXK3jUIGYxVEBREwYnu6zw&amp;tbnid=lH_WIRZksiLnGM:&amp;tbnh=115&amp;tbnw=121&amp;prev=/images%3Fq%3Dhigh%2Bcost%26gbv%3D2%26hl%3Den&amp;ei=U6PaSbHUGpKHmQe_4fnlCA"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn2.google.com/images?q=tbn:lH_WIRZksiLnGM:http://bottlelesscoolers.com/images/savings.jpg" width=121 height=115></a><br>Generally, you can only deduct mortgage or student loan interest if you are legally required to repay the debt. But if the parents pay back a child's student loans, IRS treats it as though the money was given to the child, who then paid the debt. So, a child who's not claimed as a dependent can qualify to deduct up to $2,500 of student loan interest paid by mom and dad. And he or she doesn't have to itemize to use this money-saver; they can take the deduction right on their 1040</font></p><font size=4> <hr> </font> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal></span><font size=4><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>5. Moving expense to take your first job:</font></span></strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt">&nbsp;<a href="http://images.google.com/imgres?imgurl=http://www.lahomesandcondosto.com/account/70ee0be668d23fe3/pages/35284_1.jpg&amp;imgrefurl=http://www.michelle-la.com/4a_Moving-Checklist.html&amp;usg=__KPr8J2YDa3u8KmtDBv_M48CLjps=&amp;h=330&amp;w=468&amp;sz=21&amp;hl=en&amp;start=3&amp;sig2=9psIEUiqGXrkySf-yj6eUw&amp;tbnid=_hXmgHeXlkr4SM:&amp;tbnh=90&amp;tbnw=128&amp;prev=/images%3Fq%3Dmoving%2Bexpense%26gbv%3D2%26hl%3Den%26sa%3DG&amp;ei=w6PaSfSlPJOFmAfJtPi4CA"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn2.google.com/images?q=tbn:_hXmgHeXlkr4SM:http://www.lahomesandcondosto.com/account/70ee0be668d23fe3/pages/35284_1.jpg" width=128 height=90></a><br><font size=4>Here's an interesting dichotomy: Job-hunting expenses incurred while looking for your first job are not deductible; but moving expenses to get to that first job are. <u>And you get this write-off even if you don't itemize</u>. If you moved more than 50 miles, you can deduct the cost of getting yourself and your household goods to the new area, including 19 cents per mile for moves during the first six months of 2008 and 27 cents per mile for driving your own vehicle after June 30, plus parking fees and tolls.</p> <hr> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal></font></span></font><font size=4><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>6. Military reservists travel expenses:</font></span></strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt">&nbsp;<a href="http://images.google.com/imgres?imgurl=http://usmr.us/images/MVC-001S.JPG&amp;imgrefurl=http://usmr.us/&amp;usg=__IM1-vkLRuzpZi34PXMmpJxU04zM=&amp;h=480&amp;w=640&amp;sz=40&amp;hl=en&amp;start=3&amp;sig2=krjDaeQkdPyCYsYftDt_xQ&amp;tbnid=HdLkPRLk3MY2zM:&amp;tbnh=103&amp;tbnw=137&amp;prev=/images%3Fq%3Dmilitary%2Breserve%26gbv%3D2%26hl%3Den%26sa%3DG&amp;ei=c6DaSaC3G-SDmAfK4IXSCA"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn0.google.com/images?q=tbn:HdLkPRLk3MY2zM:http://usmr.us/images/MVC-001S.JPG" width=137 height=103></a><br><font size=4>Members of the National Guard or military reserve may deserve a deduction for travel expenses to drills or meetings. To qualify, you must travel more than 100 miles from home and be away from home overnight. If you qualify, you can deduct the cost of lodging and half the cost of your meals, plus 50.5 cents per mile for driving your own car during the first six months of the year and 58.5 cents per mile for driving after June 30. In any event, add parking fees or tolls. You get this deduction regardless of whether you itemize</font>.</p> <hr> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal></span></font><font size=4><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>7. Child-care credit:</font></span></strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"> <font size=4>A credit is so much better than a deduction: It reduces your tax bill dollar for dollar. So missing one is even more painful than missing a deduction that simply reduces the amount of income that's subject to tax.<o:p></o:p></font></span></font></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>It's easy to overlook the child-care credit if you pay your child-care bills through a reimbursement account at work. While only $5,000 of such expenses can be paid through a tax-favored reimbursement account, up to $6,000 (for the care of two or more children) can qualify for the credit. So, if you run the maximum through a plan at work, but spend even more for work-related child care, you can claim the credit on an extra $1,000. That would cut your tax bill by at least $200.</p> <hr> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal></font></span><font size=4><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>8. Estate tax on income in respect of a decedent:</font></span></strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"> <font size=4>This sounds complicated, but it can save you a lot of money if you inherited an IRA from someone whose estate was subject to the federal estate tax.<o:p></o:p></font></span></font></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>Basically, you get an income-tax deduction for the amount of estate tax paid on the IRA balance. Let's say you inherited a $100,000 IRA, and the fact that the money was included in your benefactor's estate added $45,000 to the estate tax bill. You get to deduct that $45,000 on your tax returns as you withdraw the money from the IRA. If you withdraw $50,000 in one year, for example, you get to claim a $22,500 itemized deduction on Schedule A. That would save you $6,300 in the 28% bracket.</p> <hr> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal></font></span><font size=4><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>9. State tax paid last spring:</font></span></strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"> <font size=4>Did you owe tax when you filed your 2007 state tax return in the spring of 2008? Then, for goodness sakes, remember to include that amount with your state-tax deduction on your 2008 return, along with state income taxes withheld from your paychecks or paid via quarterly estimated payments.</p> <hr> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal></font></span></font><font size=4><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>10. Refinancing points:</font></span></strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt">&nbsp;<a href="http://images.google.com/imgres?imgurl=http://www.tucsonmortgageblog.com/wp-content/uploads/refinance_logo.jpg&amp;imgrefurl=http://www.tucsonmortgageblog.com/tag/wells-fargo/&amp;usg=__V6kDJSjdwOjzOk2EZWEyOiRxIEg=&amp;h=333&amp;w=325&amp;sz=63&amp;hl=en&amp;start=2&amp;sig2=i2UbfO0KcBdueFaVgLtJ-g&amp;tbnid=rS80Kzb2tl4YrM:&amp;tbnh=119&amp;tbnw=116&amp;prev=/images%3Fq%3Drefinance%26gbv%3D2%26hl%3Den%26sa%3DG&amp;ei=FqTaSZ2_GtGFmQeExY3tCA"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn0.google.com/images?q=tbn:rS80Kzb2tl4YrM:http://www.tucsonmortgageblog.com/wp-content/uploads/refinance_logo.jpg" width=116 height=119></a><br><font size=4>When you buy a house, you get to deduct points paid to get your mortgage in one fell swoop. When you refinance a mortgage, though, you have to deduct the points over the life of the loan. That means you can deduct 1/30th of the points a year if it's a 30 year mortgage -- that's $33 a year for each $1,000 of points you paid. Not much, maybe, but don't throw it away.<o:p></o:p></font></span></font></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>Even more important, in the year you pay off the loan -- because you sell the house or refinance again -- you get to deduct all as-yet-undeducted points. There's one exception to this sweet rule: If you refinance a refinanced loan with the same lender, you add the points paid on the latest deal to the leftovers from the previous refinancing ... and deduct the expense gradually over the life of the new loan.</p> <hr> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal></font></span><font size=7><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>11. Jury pay paid to employer:</font></span></strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"> <font size=4>Many employers continue to pay an employees' full salary while they serving on jury duty, and some require the employees to turn over their jury fees to the company coffers. The only problem is that the IRS demands that you report those fees as taxable income. To even things out, you get to deduct the amount paid to your employer.<o:p></o:p></font></span></font></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>But how do you do it? There's no line on the Form 1040 labeled "jury fees." Instead the write-off goes on line 36, which purports to be for simply totaling up the deductions that get their own lines. Add your jury fees to the total of your other write offs and write "jury pay" on the dotted line.</p> <hr> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal></font></span><font size=4><b><span style="FONT-FAMILY: Arial">Four New Threats to Your Bottom Line</span></b><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><o:p></o:p></span></font></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>These four new tax breaks are sure to be missed by far too many taxpayers. Be sure you're not among the overtaxed victims.<o:p></o:p></font></span></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><font size=4><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>1. Recovery rebate credit:</font></span></strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"> <font size=4>Remember those glorious tax rebates we got last year -- $600 for singles, $1,200 for married couples, plus $300 for each qualifying child? Well, they were really a pre-payment of the recovery rebate credit that appears on 2008 tax forms. Most Americans got everything they deserved last year, so they won't get a dime from the credit.<o:p></o:p></font></span></font></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>But millions of American do qualify for the credit, and it will save the lucky ones hundreds of millions of dollars. Who might qualify? You might, if your financial situation was different in 2008 from 2007. The rebate was based on information on 2007 tax returns, you see; the credit is based on what's on your 2008 return.<o:p></o:p></font></span></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>If you had a baby or adopted a child in 2008, so you probably deserve $300 in the credit. Divorced parents who alternate claiming the kids as dependents can both earn $300 for the children. The parent who claimed the children on his or her 2007 return got the rebate; the parent who claims them on the 2008 return gets the credit. It's perfectly legal. An adult child who was claimed on his or her parents return in 2007 couldn't get a rebate. But if he or she isn't a dependent this year, a $600 credit may be in order.<o:p></o:p></font></span></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>Both the rebate and the credit phase out at higher income levels -- more than $75,000 on single returns or more than $150,000 on joint returns. So, if your 2007 income was too high to earn the full rebate, but your 2008 income is lower, you may deserve a credit now. There's a 29-line worksheet in the IRS instructions, and by late February, the IRS expects to have a special calculator at </font><a href="http://www.irs.gov/" target=_blank><u><font color=#800080 size=4>http://www.irs.gov/</font></u></a><font size=4>.<o:p></o:p></font></span></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><font size=4><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>2. Double Hope and Lifetime Learning credits:</font></span></strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"> <font size=4>After last summer's floods in the <st1:place w:st="on">Midwest</st1:place>, Congress approved many breaks to assist the victims. Most benefit only people who live in the affected areas. But one big break -- a doubling of the value of the Hope and Lifetime Learning college credits -- applies to parents anywhere whose children go to college in designated parts of seven states: <st1:State w:st="on">Arkansas</st1:State>, <st1:State w:st="on">Illinois</st1:State>, <st1:State w:st="on">Indiana</st1:State>, <st1:State w:st="on">Iowa</st1:State>, <st1:State w:st="on">Missouri</st1:State>, <st1:State w:st="on">Nebraska</st1:State> and <st1:State w:st="on"><st1:place w:st="on">Wisconsin</st1:place></st1:State>.<o:p></o:p></font></span></font></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>If your son goes to school in Iowa City or Madison, Wisc., for example, your Hope credit for the first two years of college jumps to $3,600 per qualifying student, for example, while the lifetime learning credit for other higher education doubles from $2,000 to $4,000 per return. The credits phase out at higher income levels, but qualifying parents in the phase-out zone still get bigger credits thanks to this change.<o:p></o:p></font></span></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><font size=4><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>3. Property tax deduction for non-itemizers:</font></span></strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"> <font size=4>Normally, to write off property taxes, you must itemize deductions. <strong>But for 2008, even homeowners who claim the standard deduction</strong> -- as about two-thirds of all taxpayers do -- <strong>can use property taxes to trim their income tax bill</strong>. You can boost your standard deduction amount by $500 if you're single or $1,000 if you're married and file a joint return to account for property taxes you paid on your home during 2008.<o:p></o:p></font></span></font></p> <p style="MARGIN: 0in 0in 7.5pt; BACKGROUND: white; mso-margin-top-alt: auto" class=MsoNormal><font size=4><strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><font size=4>4. Casualty loss deduction for non-itemizers:</font></span></strong><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"> <font size=4>Normally, only taxpayers who itemize deductions can deduct casualty losses. But for 2008, taxpayers who claim the standard deduction -- again, that's most taxpayers -- can <u>add their casualty losses to their standard deduction amounts ... if their loss occurred in a presidentially designated disaster area.</u> Also, the casualty loss deduction for losses in presidentially declared disaster areas does not have to be reduced by an amount equal to 10% of your adjusted gross income.<o:p></o:p></font></span></font></p>urn:uuid:aa35a191-7cfd-4052-bbe2-1ff388b65069<img src='http://tbn2.google.com/images?q=tbn:CWaG5SfatmwfNM:http://www.elderberryshire.com/images/11.jpg' align='left' />04/01/2009 8:10am Welcome to my third entry in to the beelerinsurance blog. In my last post I called on my readers to help me and I want to thank you for your overwhelming response.&nbsp; I received 50+ responses; many from GA agents, some from GA n...Wed, 01 Apr 2009 10:07:10 -0500<p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana">04/01/2009<span style="mso-spacerun: yes"> </span>8:10am<br><br><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana">Welcome to my third entry in to the beelerinsurance blog.<span style="mso-spacerun: yes"> </span>In my last post I called on my readers to help me and I want to thank you for your overwhelming response.&nbsp; I received 50+ responses; many from GA agents, some from GA non-insurance business owners, and a few from GA consumers.<br><br><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana">I also want to thank Eddie Emmett of FYI Insurance News &amp; Views for sending my blog post out in his email.<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana">By the way, if you are in the insurance business and haven’t heard of FYI you might be living under a rock.<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana"><span style="mso-spacerun: yes"></span></span><span style="FONT-FAMILY: Arial; COLOR: black"><span style="TEXT-DECORATION: none; text-underline: none"><a href="http://www.elderberryshire.com/images/11.jpg"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; MARGIN: 10px 10px 0px; FLOAT: left; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" alt="See full size image" src="http://tbn2.google.com/images?q=tbn:CWaG5SfatmwfNM:http://www.elderberryshire.com/images/11.jpg" width=140 height=80></a></span></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana"><br><br><br>But now that you are out visit his website at <a href="http://www.fyigeorgiaviews.com/"><u><font color=#800080>www.fyigeorgiaviews.com</font></u></a><br></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana"><br>Ok, in my last post I told you about a dilemma that I had with a local business owner whom I have done business with for 10+ years.<span style="mso-spacerun: yes"> </span>If you have not read the post please&nbsp;<a href="http://www.beelerinsurance.com/blog.aspx?entry=5fe6bf2f-081a-4cc8-bb5d-9429290ba79e">click here</a>&nbsp;to read the post.<br></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana">To refresh your memory, the prospective customer had questions about their homeowner’s policy back in November 2008.<span style="mso-spacerun: yes"> </span>I invested some time with them to resolve their questions on their policy even though it was with another carrier/agency.&nbsp;&nbsp;In return they agreed to allow our agency to quote their personal insurance package at the next renewal in April 2009.<br><a href="http://images.google.com/imgres?imgurl=http://blog.redfin.com/sfbay/files/2008/09/happy-face.jpg&amp;imgrefurl=http://blog.redfin.com/sandiego/2008/09/5_reasons_to_be_happy_about_the_state_of_real_estate.html&amp;usg=__0ivwdSU1rukDJAb8xpNlZABS0hk=&amp;h=2400&amp;w=2400&amp;sz=139&amp;hl=en&amp;start=5&amp;sig2=AmRPRXxLrshndEEQe8GJfA&amp;tbnid=Iwozxf1P5fkJeM:&amp;tbnh=150&amp;tbnw=150&amp;prev=/images%3Fq%3Dhappy%2Bface%26gbv%3D2%26hl%3Den%26sa%3DG&amp;ei=NYDTSdbNNtGClAfjl72vBQ"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn3.google.com/images?q=tbn:Iwozxf1P5fkJeM:http://blog.redfin.com/sfbay/files/2008/09/happy-face.jpg" width=150 height=150></a>I was happy and I thought they were to.<br><br></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana"><br>As the story goes, I contacted them in March 2009 only to be disappointed about what I learned.<br>&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;<a href="http://images.google.com/imgres?imgurl=http://www.searchviews.com/wp-content/themes/clean-copy-full-3-column-1/images/sad-face.jpg&amp;imgrefurl=http://www.searchviews.com/index.php/archives/category/askcom&amp;usg=__93Cc6d5qbdiHvqdUumjfuzNWtZE=&amp;h=250&amp;w=250&amp;sz=26&amp;hl=en&amp;start=4&amp;sig2=c95cptJ3dbl8CtaoJCtU0g&amp;tbnid=feYwvmUWG-AyrM:&amp;tbnh=111&amp;tbnw=111&amp;prev=/images%3Fq%3Dsad%2Bface%26gbv%3D2%26hl%3Den%26sa%3DG&amp;ei=f4DTSerBOIKdlQfzxdmuBQ"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn0.google.com/images?q=tbn:feYwvmUWG-AyrM:http://www.searchviews.com/wp-content/themes/clean-copy-full-3-column-1/images/sad-face.jpg" width=111 height=111></a><br></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana">Again, if you haven’t read the post&nbsp;<a href="http://www.beelerinsurance.com/blog.aspx?entry=5fe6bf2f-081a-4cc8-bb5d-9429290ba79e"><font face=Verdana>click here</font></a><br></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana">So, I asked readers of the beelerinsurance.com blog to help me by telling me what they would do in this situation.<span style="mso-spacerun: yes"> </span>I’ll post a few of their responses here:</p> <p></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" dir=ltr class=MsoNormal><span style="FONT-FAMILY: Arial; COLOR: black"><a href="http://images.google.com/imgres?imgurl=http://blog.nbc.com/ross_blog/Captain%2520Answer%2520LOGO.jpg&amp;imgrefurl=http://blog.nbc.com/ross_blog/captain_answer/&amp;usg=__ZO_2uqG2rExfZ3N5jVzOALgLCZ4=&amp;h=685&amp;w=390&amp;sz=85&amp;hl=en&amp;start=1&amp;sig2=fStG7A5VrHOOCSKSNaX7fA&amp;tbnid=g1hpnNTQRGB7dM:&amp;tbnh=139&amp;tbnw=79&amp;prev=/images%3Fq%3Dcaptian%2Banswer%26gbv%3D2%26hl%3Den&amp;ei=8XPTSevJEOrtlQfG5a2tBQ"><span style="TEXT-DECORATION: none; text-underline: none"></span></a><b style="mso-bidi-font-weight: normal"><a href="http://images.google.com/imgres?imgurl=http://blog.nbc.com/ross_blog/Captain%2520Answer%2520LOGO.jpg&amp;imgrefurl=http://blog.nbc.com/ross_blog/2008/04/&amp;usg=__Cp0hIB-XFZtfhiz0F2oFlk0hWs0=&amp;h=685&amp;w=390&amp;sz=85&amp;hl=en&amp;start=1&amp;sig2=0XYIvJRwQTKfhhhTvwxOcA&amp;tbnid=g1hpnNTQRGB7dM:&amp;tbnh=139&amp;tbnw=79&amp;prev=/images%3Fq%3Dcaptain%2Banswer%26gbv%3D2%26hl%3Den%26sa%3DG&amp;ei=-YDTSfSRMY7vlQeT4sS0BQ">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn1.google.com/images?q=tbn:g1hpnNTQRGB7dM:http://blog.nbc.com/ross_blog/Captain%2520Answer%2520LOGO.jpg" width=79 height=139></a>Captain Answer award goes to our first listed reply</b><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><o:p></o:p></span></p> <blockquote style="MARGIN-RIGHT: 0px" dir=ltr> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial">Each agent in <?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" /><st1:country-region w:st="on"><st1:place w:st="on">Georgia</st1:place></st1:country-region> is required to have 3 hours of ethics continuing education each year. While that is intended to remind the agents of their responsibility to the industry and their customers, it should also serve to help them recognize the ethics of the customer. It seems that this customer has committed two ethics violations.<br>1) Not calling and cooperating with you after you had invested considerable amount of time trying to help them understand their coverage’s.<br>2) “right now saving money is the only thing I am concerned with” infers that they are not concerned about not being honest with you and the insurance companies. WOW! What about when they have a claim. <o:p></o:p></span></p></blockquote> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <blockquote style="MARGIN-RIGHT: 0px" dir=ltr> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial">I vote for #4<o:p></o:p></span></p></blockquote> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <blockquote style="MARGIN-RIGHT: 0px" dir=ltr> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial">Will H - Seasoned &amp; Well Respected GA Sr. Underwriter<o:p></o:p></span></p></blockquote> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial; FONT-SIZE: 10pt"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><span style="mso-spacerun: yes"></span><b style="mso-bidi-font-weight: normal"><a href="http://images.google.com/imgres?imgurl=http://www.londonheathside.org.uk/competition/open_meetings/images/open06.jpg&amp;imgrefurl=http://www.londonheathside.org.uk/competition/open_meetings/index.php&amp;usg=__ZTSOqCfh_7temeHWx-EvIkHduJo=&amp;h=321&amp;w=271&amp;sz=91&amp;hl=en&amp;start=4&amp;sig2=ZGyr0voPWXsmduccp0NW6Q&amp;tbnid=qsiTWvhqnTNdyM:&amp;tbnh=118&amp;tbnw=100&amp;prev=/images%3Fq%3Dclose%2Bfinish%26gbv%3D2%26hl%3Den&amp;ei=m4HTSd3vFYvglQexm8GoBQ">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn3.google.com/images?q=tbn:qsiTWvhqnTNdyM:http://www.londonheathside.org.uk/competition/open_meetings/images/open06.jpg" width=100 height=118></a>A close second goes to this reply<o:p></o:p></b></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <blockquote style="MARGIN-RIGHT: 0px" dir=ltr> <p style="MARGIN: 0in 0in 0pt" dir=ltr class=MsoNormal><span style="FONT-FAMILY: Arial">I would ask some more questions about what they are basing their decision on, are their coverage or service issues involved. It could be they see insurance as a commodity and see no real intrinsic value in an agent, even though you showed them value in pointing out the flaws of the other agents quote<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><br>I sell commercial trucking insurance over the phone and have beaten many local agents simply by helping the insured come to the realization that their agent was not bringing anything of value to the transaction<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><br>Go back to the prospect and ask them for help and say something like “I need your help. I have pointed out the other agents mistakes in the quote they presented but have not gotten an order.<span style="mso-spacerun: yes"> </span>Have I missed something”?<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><br>Base your response on their answer, if they push back and say it is only money they are concerned about then ask for a “last look” at the quote from the other two agents. Get their quotes and see if you can point coverage mistakes and/or see if you can beat the price.<span style="mso-spacerun: yes"> </span>If they give you this opportunity contract with the insured for the order by asking them “If I can provide more coverage or similar coverage will you sign up with me?” If the answer is no, then close your file and wish them luck. Good luck and good selling.<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><br>Mark W – Georgia Agent<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><br><br>I am the President of a Professional Sales Training company and a client of mine referred me to your blog post.<span style="mso-spacerun: yes"> </span>On your post, your frustration was obvious, but not unusual. I don’t know if you would like to spend a little time on the phone with me, to see if we can help you with your selling efforts, but if so, you can call me.<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><br>Al S – <st1:country-region w:st="on"><st1:place w:st="on">Georgia</st1:place></st1:country-region> Sales Training Firm<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial; COLOR: black"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><br><br>I’m surprised that you made so many contacts as the customer seemed to “not <a href="http://images.google.com/imgres?imgurl=http://i103.piczo.com/view/2/n/0/b/s/3/r/b/0/q/9/l/img/i173077690_15580_3.png&amp;imgrefurl=http://samie2222.piczo.com/likesanddislikes%3Fcr%3D6%26linkvar%3D000044&amp;usg=__5zIbKTiKrWYbwGnjXfeRXBIpFac=&amp;h=412&amp;w=500&amp;sz=109&amp;hl=en&amp;start=5&amp;sig2=oxNcY4vJgXCKLx5ajl6pBA&amp;tbnid=qzJrSIp9KsxhyM:&amp;tbnh=107&amp;tbnw=130&amp;prev=/images%3Fq%3Ddislike%26gbv%3D2%26hl%3Den%26sa%3DG&amp;ei=F4LTSeT2AdKVlAe06ui0BQ"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn3.google.com/images?q=tbn:qzJrSIp9KsxhyM:http://i103.piczo.com/view/2/n/0/b/s/3/r/b/0/q/9/l/img/i173077690_15580_3.png" width=130 height=107></a>&nbsp;<font face=Arial>be that into you”! LOL....<br></font></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial; COLOR: black"><a href="http://images.google.com/imgres?imgurl=http://i103.piczo.com/view/2/n/0/b/s/3/r/b/0/q/9/l/img/i173077690_15580_3.png&amp;imgrefurl=http://samie2222.piczo.com/likesanddislikes%3Fcr%3D6%26linkvar%3D000044&amp;usg=__5zIbKTiKrWYbwGnjXfeRXBIpFac=&amp;h=412&amp;w=500&amp;sz=109&amp;hl=en&amp;start=5&amp;sig2=liFYfWmBhiWEhueBaWn9Og&amp;tbnid=qzJrSIp9KsxhyM:&amp;tbnh=107&amp;tbnw=130&amp;prev=/images%3Fq%3DDISLIKE%26gbv%3D2%26hl%3Den%26sa%3DG&amp;ei=y3rTSaCYLo3WlQeM4bm4BQ"><span style="TEXT-DECORATION: none; text-underline: none"></span></a></span><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial">Yes you can spend a lot of time trying to educate customers, but if they don’t have the character to recognize your good qualities, move on. You are a busy guy and have lots to do.<br><br><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial">Scott F – Georgia Agent<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><br><br>I am not in the insurance business but it seems that the business owners should have at least allowed you to quote their policy but I understand their need to “just save money”.<span style="mso-spacerun: yes"> </span>Things are really tight right now.<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial">But, I wouldn't’t want to pay for a policy that might not pay me if I have a claim.<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial">They should at least fix the errors in their policy.<a href="http://images.google.com/imgres?imgurl=http://www.powerlineblog.com/archives/r3923286853.jpg&amp;imgrefurl=http://www.powerlineblog.com/archives/2004/08/007322.php&amp;usg=__RdpSyllvhGmqKJkmGqtMEfeekpQ=&amp;h=450&amp;w=315&amp;sz=16&amp;hl=en&amp;start=5&amp;sig2=uzyyBYxbnKm8jZA1kcwsvw&amp;tbnid=5N8vw_iCag5YkM:&amp;tbnh=127&amp;tbnw=89&amp;prev=/images%3Fq%3Dgood%2Bpoint%26gbv%3D2%26hl%3Den&amp;ei=goLTSbC5GJCDlAfB2eCoBQ"><img style="BORDER-BOTTOM: 1px solid; BORDER-LEFT: 1px solid; BORDER-TOP: 1px solid; BORDER-RIGHT: 1px solid" src="http://tbn3.google.com/images?q=tbn:5N8vw_iCag5YkM:http://www.powerlineblog.com/archives/r3923286853.jpg" width=89 height=127></a><span style="COLOR: black"><a href="http://images.google.com/imgres?imgurl=http://www.powerlineblog.com/archives/r3923286853.jpg&amp;imgrefurl=http://www.powerlineblog.com/archives/2004/08/007322.php&amp;usg=__RdpSyllvhGmqKJkmGqtMEfeekpQ=&amp;h=450&amp;w=315&amp;sz=16&amp;hl=en&amp;start=5&amp;sig2=HspY-4r37SBVLqIijJqOCg&amp;tbnid=5N8vw_iCag5YkM:&amp;tbnh=127&amp;tbnw=89&amp;prev=/images%3Fq%3Dgood%2Bpoint%26gbv%3D2%26hl%3Den&amp;ei=q3jTSfn7E9PKlQeT5KCuBQ"><span style="TEXT-DECORATION: none; text-underline: none"></span></a></span><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><br>Linda D – Georgia Consumer<o:p></o:p></span></p></blockquote> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Arial"><o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana; mso-bidi-font-family: Arial"><br>So, you can see that I am overwhelmed at the response our readers had.<span style="mso-spacerun: yes"> </span>If you have a topic you would like to see discussed or have a comment you would like to share with me email at <a href="mailto:chris@beelerinsurance.com"><u><font color=#0000ff>chris@beelerinsurance.com</font></u></a><br><br>By the way, I choose option 4 thanks to the good feed back from my readers.&nbsp; </span><span style="FONT-FAMILY: Verdana; mso-bidi-font-family: Arial">I’ll be posting again soon.<span style="mso-spacerun: yes"> </span>I am working on some tax tips for my next post.<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana; mso-bidi-font-family: Arial">Have a great day!!<o:p></o:p></span></p> <p style="MARGIN: 0in 0in 0pt" class=MsoNormal><span style="FONT-FAMILY: Verdana; mso-bidi-font-family: Arial">Chris Beeler<o:p></o:p></span></p>urn:uuid:5fe6bf2f-081a-4cc8-bb5d-9429290ba79e<img src='http://tbn1.google.com/images?q=tbn:PMO1O--vth7RSM:http://tn3-2.deviantart.com/fs8/300W/i/2005/309/5/f/stranger_by_akasleep.jpg' align='left' />03/18/09&nbsp; 1:00pmHello all and welcome to the second entry in the Beelerinsurance.com blog.Today I want to talk about something that is fresh on my mind.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb...Wed, 18 Mar 2009 10:55:32 -0500<font face=Tahoma>03/18/09&nbsp; 1:00pm<br>Hello all and welcome to the second entry in the <a href="/default.aspx">Beelerinsurance.com</a> blog.<br>Today I want to talk about something that is fresh on my mind.<br>&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;<a href="http://images.google.com/imgres?imgurl=http://tn3-2.deviantart.com/fs8/300W/i/2005/309/5/f/stranger_by_akasleep.jpg&amp;imgrefurl=http://justsimplestuff.wordpress.com/category/uncategorized/&amp;usg=__qFwmf6lh0riUrN0KBy_gDI97lkk=&amp;h=433&amp;w=300&amp;sz=27&amp;hl=en&amp;start=1&amp;sig2=WTvZtpvTzcpe6V-9Xe7_AA&amp;tbnid=PMO1O--vth7RSM:&amp;tbnh=126&amp;tbnw=87&amp;ei=pCjBSZGRH56MmQfiwsioDw&amp;prev=/images%3Fq%3Dstranger%26gbv%3D2%26hl%3Den"><img style="BORDER-RIGHT: 1px solid; BORDER-TOP: 1px solid; BORDER-LEFT: 1px solid; BORDER-BOTTOM: 1px solid" height=126 src="http://tbn1.google.com/images?q=tbn:PMO1O--vth7RSM:http://tn3-2.deviantart.com/fs8/300W/i/2005/309/5/f/stranger_by_akasleep.jpg" width=87></a><br><font face=Tahoma><strong><u>Should you do business with a faceless out of town stranger?</u></strong><br></font><br><strong>The Story:<br></strong>Just this morning I called on the proprietors of a dry cleaning business&nbsp;in my home town who happen to&nbsp;be <font face=Tahoma>husband and wife.<br>I wanted </font>to remind them that we talked last November about Beeler Insurance&nbsp; quoting their personal insurance plan in April 2009.<br><a href="/category.aspx?id=QUOTE">Free No Obligation Quote</a>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<a href="http://images.google.com/imgres?imgurl=http://www.leighconstruction.com/images/Estimate.jpg&amp;imgrefurl=http://www.leighconstruction.com/Estimates.htm&amp;usg=__24V0tFOpHMqGNG59zkpHf9kbiTc=&amp;h=465&amp;w=372&amp;sz=29&amp;hl=en&amp;start=13&amp;sig2=VNSRmkLLJGCyekAPBIkSCA&amp;tbnid=4AeI2mGiTQVFeM:&amp;tbnh=128&amp;tbnw=102&amp;ei=Cy3BScimN5XlmQeO_sGjDw&amp;prev=/images%3Fq%3Destimate%26gbv%3D2%26hl%3Den"><img style="BORDER-RIGHT: 1px solid; BORDER-TOP: 1px solid; BORDER-LEFT: 1px solid; BORDER-BOTTOM: 1px solid" height=128 src="http://tbn0.google.com/images?q=tbn:4AeI2mGiTQVFeM:http://www.leighconstruction.com/images/Estimate.jpg" width=102></a>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<a href="/category.aspx?id=QUOTE">Free No Obligation Quote<br></a><br>I also wanted to remind them that I&nbsp;invested about 3 hours of my time back in November answering questions they had about their current Home insurance policy with another carrier/agency.<br><br>I wanted them to know that I am looking forward to at least getting the opportunity to quote their plan and that <u>I considered&nbsp;quoting their insurance rewarding</u>&nbsp;since I had been doing business with them for over 10 years.<br><br>I knew that based on our conversations in November that they were not insurance savvy and could use the assistance of a professional agent to assist them.<a href="http://www.iso.org/iso/quality_management.jpg"><img style="BORDER-RIGHT: 1px solid; BORDER-TOP: 1px solid; FLOAT: left; MARGIN: 10px 10px 0px; BORDER-LEFT: 1px solid; WIDTH: 237px; BORDER-BOTTOM: 1px solid; HEIGHT: 127px" height=80 alt="See full size image" src="http://tbn0.google.com/images?q=tbn:ytO8c-M4Uq7GNM:http://www.iso.org/iso/quality_management.jpg" width=113></a><br>I felt confident in my abilities to guide them through the rules and regulations and I also felt that the time invested in our relationship last November would uniquely position me to at least provide counsel about the amount and type of coverage they might need and provide them with a quote.<br><br><br>If you are in the insurance business you may know where this post is leading and if not you will see very shortly.<br><br>I knew that their renewal/expiration was 04/03/09 so I began contacting them by email the first week of March with no reply.&nbsp; I phoned them again 03/07/09 to remind them that I wanted to quote their plan and reached the wife.&nbsp;&nbsp;She informed me that they have been shopping with 2 out of town agents; one in Birmingham Alabama and the other in Lawrenceville GA.&nbsp; She went on to say that she has already received quotes from each agent and both would quotes would provide a savings of $2,000/year +.<br>I asked her if I could still quote her plan and expressed some concerns about omissions that many out of town agents/companies are prone to make.<br>She advised that she would fax the quote sheets the following week but never did.<br><br>I got tired of sitting around waiting<br><a href="http://images.google.com/imgres?imgurl=http://bp2.blogger.com/_jKscR9AiAls/SGu0fdZMSkI/AAAAAAAAATE/cT1eopGa0MQ/s400/waiting.gif&amp;imgrefurl=http://lazyartistslounge.blogspot.com/&amp;usg=__TYDvooJn-qab9QKhv_Fw7xFoETU=&amp;h=336&amp;w=302&amp;sz=12&amp;hl=en&amp;start=1&amp;sig2=wWD-n8o5mh-YmXkumxQyhw&amp;tbnid=zIbfTP-FyEklBM:&amp;tbnh=119&amp;tbnw=107&amp;ei=lS_BSYuaNtuImQejnrWfDw&amp;prev=/images%3Fq%3Dwaiting%26gbv%3D2%26hl%3Den"><img style="BORDER-RIGHT: 1px solid; BORDER-TOP: 1px solid; BORDER-LEFT: 1px solid; BORDER-BOTTOM: 1px solid" height=119 src="http://tbn3.google.com/images?q=tbn:zIbfTP-FyEklBM:http://bp2.blogger.com/_jKscR9AiAls/SGu0fdZMSkI/AAAAAAAAATE/cT1eopGa0MQ/s400/waiting.gif" width=107></a>so I went by their place of business just today and spoke to them and reviewed the out of town quotes.<br><br><strong>Results:<br></strong>&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;<a href="http://images.google.com/imgres?imgurl=http://gaudiumdelingua.files.wordpress.com/2008/10/mistake.jpg&amp;imgrefurl=http://gaudiumdelingua.wordpress.com/2008/10/22/common-mistakes-1-the-is-the-problem/&amp;usg=__AXX9gbNKeUFTlDD7O0wkn4MPbAo=&amp;h=565&amp;w=849&amp;sz=57&amp;hl=en&amp;start=2&amp;sig2=Qt-62hdEt9xrIokAYM6fFQ&amp;tbnid=VU8KEYf38wAqqM:&amp;tbnh=96&amp;tbnw=145&amp;ei=djDBSZL7KtKwmQfD4OifDw&amp;prev=/images%3Fq%3Dmistake%26gbv%3D2%26hl%3Den"><img style="BORDER-RIGHT: 1px solid; BORDER-TOP: 1px solid; BORDER-LEFT: 1px solid; BORDER-BOTTOM: 1px solid" height=96 src="http://tbn2.google.com/images?q=tbn:VU8KEYf38wAqqM:http://gaudiumdelingua.files.wordpress.com/2008/10/mistake.jpg" width=145></a><br>&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;You know what I discovered?<br><u>Mistake 1:<br></u>Both out of town agents quoted the home as Masonry construction instead of the actual Frame (for you non insurance people this trick reduces the HO insurance rate by 25% <strong>BUT </strong>If the customer, not the agent, were to have a total loss claim they have had a bad day).<br><u>Mistake 2:</u><br>Both out town agents did not list an at fault accident for a 20 year old driver that was 3 years and 4 months old.&nbsp; However, each respective company that they were quoting rates/charges violations and accidents for a 5 year period.<br><br><strong>RESULT:<br></strong>The quoted premiums of both out of town agents will increase drastically and the $2,000 savings the prospective customer will be eroded drastically.<br><a href="http://images.google.com/imgres?imgurl=http://thehamptons.files.wordpress.com/2007/02/disappointment.jpg&amp;imgrefurl=http://thehamptons.wordpress.com/2007/02/01/an-interesting-testamentbubble-bubble-bubble/&amp;usg=__5muhk64PWIvKOV7zxF-9rp3S_cM=&amp;h=330&amp;w=500&amp;sz=54&amp;hl=en&amp;start=10&amp;sig2=h64ob8efAzCH_Zi4faAhzw&amp;tbnid=5b_afOP5qTh0AM:&amp;tbnh=86&amp;tbnw=130&amp;ei=fDHBSYKTHNvFmQe_6sysDw&amp;prev=/images%3Fq%3Ddisappointment%26gbv%3D2%26hl%3Den"><img style="BORDER-RIGHT: 1px solid; BORDER-TOP: 1px solid; BORDER-LEFT: 1px solid; WIDTH: 147px; BORDER-BOTTOM: 1px solid; HEIGHT: 94px" height=86 src="http://tbn2.google.com/images?q=tbn:5b_afOP5qTh0AM:http://thehamptons.files.wordpress.com/2007/02/disappointment.jpg" width=130></a><br><br><strong>What's my gripe?<br></strong>My first impression is to be a little offended that they didn't call on me when calling on the out of towners that don't do business with them.<br>You would also think this prospective customer would be grateful for learning of the out of town quoting errors and would allow me to quote their plan, right?<br>Wrong, this customer advised me that they would get with the out of towners to obtain updated premium quotes from them and went on to say "right now saving money is the only thing I am concerned with".<br><br><strong>I need your help</strong><br>I was quite baffled when I left the business and didn't know what to think or how to act.&nbsp; I am considering going back to the prospect to further discuss this with him.<br><br>Please email me at <a href="mailto:chris@beelerinsurance.com">chris@beelerinsurance.com</a> and let me know if you think I should:<br> <ol> <li>Go back to ask the customer to allow me to quote his plan after he gets the updated out of town quote?</li> <li>Go back to ask me to quote based on the same information that the out of towners quoted?</li> <li>Go back to the customers and tell them that I don't appreciate the way they treated me and that I won't use there business if the won't consider doing business with me?</li> <li>Let it go and move on the next prospect and let the prospect know of no ill will?</li></ol> <p>Thanks for taking the time to read this post and I'll have another one soon.<br>Chris Beeler</p></font>urn:uuid:fc3f6fce-942f-4cca-b727-a80b846842f7Hello all and welcome to my first beelerinsurance.com blog entry.Today I'll attempt to answer an age old question.Why is insurance required?Watch this video and then read on:Any questions?Have a great day and look for more funny blog posts from beele...Fri, 06 Mar 2009 18:16:06 -0600<font face="Courier New" size=4>Hello all and welcome to my first beelerinsurance.com blog entry.<br>Today I'll attempt to answer an age old question.<br><strong><u>Why is insurance required?<br></u></strong><br>Watch this video and then read on:</font><embed src=http://www.youtube.com/v/uikF2863n8U&amp;hl=en&amp;fs=1&amp;rel=0&amp;border=1 width=445 height=364 type=application/x-shockwave-flash allowfullscreen="true" allowscriptaccess="always"><br><br><font face="Courier New" size=4>Any questions?<br>Have a great day and look for more funny blog posts from beelerinsurance.com<br>Chris Beeler</font><br></embed>