The Bob Dylan song, The Times They Are A-Changing, has never been more appropriate than now when it comes to Texas home insurance. This is especially true with insurance companies and how they are grappling with home insurance rates, hail claims, and how to cover roofs.
You’ve worked long hours to fulfill a dream and build your company from a surviving business to a thriving, successful business. Have you given any thought to succession planning; who will succeed you, and how it will be funded? Or maybe you’re a partner in a company and you want to protect the business you’ve helped build, but what if something happens to your partner?
None of us lives forever, but our presence in social media may go on forever after we take our last breath. Planning for what we want the end of our life encompasses many things; wills, medical directives, HIPAA releases, cremation versus burial, and even what kind of a ceremony we may want. I’d like to add one more item to your list, what do you want to happen to your digital assets?
Sheri and I have a blended family. Between the two of us, we have 7 kids and 5 grandkids, the latest arrived Wednesday night at 7:30. She’s beautiful just in case you were wondering! Her arrival reminded me of a question I’m occasionally asked by people who are evaluating life insurance after the birth of a child, and that is, should they get a life policy for their new bundle of joy?
Sheri and I had the pleasure of attending the wedding of a dear friend last month. The bride looked stunningly beautiful and the groom had the look of someone completely smitten, knowing he was blessed beyond his wildest imagination. It was truly a delightful experience to celebrate them with their family and mutual friends. The bride’s dad performed the ceremony which made it very special.
Unless you’ve totally unplugged from all news media and the internet over the past week, you’ve heard of the Heartbleed bug. The Heartbleed bug (it’s not a virus) is a vulnerability in the OpenSSL library, the software that makes your website and other sites secure when a person is reviewing banking records, making a purchase from your company, or updating their information or method of payment in their on-line account.
“Will a claim cause my car insurance rate to increase? “ This is one of the most frequently asked questions I hear when talking with a client about an accident. The short answer is yes. I don’t always know how much of an impact an insurance claim will have on any person’s specific renewal premium, but claims do have an impact on their rate.
The Detroit auto show started last week and runs through January 26th. There are the debuts of new models from domestic and international car manufacturers, concept cars, and lots of new technology. Chief among the new offerings arriving in cars are those technologies that are grouped in a category referred to as advanced car safety systems. They aren’t quite as sexy as the new Corvette, but if they better protect us from accidents, we’ll be just as appreciative of them.
No one wants to think of someone else raising their children. But if tragedy strikes and both parents are gone, do you want a court that has no personal knowledge of you or your children and their needs deciding who will raise them? Do you want a court who knows nothing about your values and religious beliefs making that decision?
John Hooper’s story hit the internet last week. He was the proud owner of a 580 horse power 2012 Chevrolet Camaro ZL1. John took his Camaro to the local dealership, First State Chevy in Georgetown, Delaware, for warranty work on an issue with the car’s paint. One of the dealership’s employees took his car for an unauthorized joy ride on a Sunday in December when the dealer was closed.
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