A state legislator is proposing a bill that would change laws for all terrain vehicles as reports show Kentucky tops the list for fatalities in ATV accidents. Now Thomas Burch, of Louisville, is proposing that everyone operating an all-terrain vehicle wear protective headgear.
The bill would require that no person under the age of 16 years shall operate an all-terrain vehicle. The bill would also provide community services for a first offense and a $100 fine for each subsequent offense. .... More from WBKO
Friday, December 30, 2005
KY leads in ATV Fatalities
A state legislator is proposing a bill that would change laws for all terrain vehicles as reports show Kentucky tops the list for fatalities in ATV accidents. Now Thomas Burch, of Louisville, is proposing that everyone operating an all-terrain vehicle wear protective headgear.
The bill would require that no person under the age of 16 years shall operate an all-terrain vehicle. The bill would also provide community services for a first offense and a $100 fine for each subsequent offense. .... More from WBKO
The bill would require that no person under the age of 16 years shall operate an all-terrain vehicle. The bill would also provide community services for a first offense and a $100 fine for each subsequent offense. .... More from WBKO
Real Estate Deal Wreckers
Top Real Estate Deal Wreckers from MSN, planning on buying or selling a home in 2006, these are pitfalls to avoid
mistakes to avoid in 2006:
Not understanding the length of the buying/selling process. You know what happens when you make decisions based on optimism, time-on-the-market averages and generous promises from agents -- ye old Murphy's law kicks in. The home-selling process is often more extensive than you think, from the early planning stages to protracted negotiations to oft-delayed closings. Sellers can take months before they formally accept a buyer's offer. Financing can get held up, buyers have tough time selling their old house, rough edges discovered in the final walk-through must be smoothed, etc. Give yourself a couple extra months to complete the deal.
Exposing your hand. Never let love for a house cloud your vision. Try to contain your enthusiasm. Otherwise, the sellers and (or) their agent will know they've hooked a live one and assume you may forgive certain flaws because you know the place is right for you. You can scream "yes!" when you get back out in your car.
Skipping the loan preapproval step. For buyers, getting preapproved for a mortgage gives you a clear idea of how much you can safely borrow, plus it addresses credit-rating issues and kick-starts other financial paperwork. What's more, it identifies you as a serious buyer. Sellers with a hot property should demand nothing less than proof of preapproval from the potential buyer's financial institution. No sense in wasting time on time-wasters.
Assuming the appraisal equals actual value. In theory, appraisals are objective estimates of value. But several different appraisals can yield several different numbers. For example, an appraisal that's been done for a possible refinance may have been slightly inflated to encourage that refinance. So sellers, before you put your home on the market, have an agent do a comparative market analysis to better indicate the home's worth. And buyers, get similar "comps" from your agent. But realize the true value of a house is what someone is willing to pay for it.
Timing the bubble ‘burst.’ Thousands of apprehensive sellers and buyers have been playing this game since the late 1990s, trying to time their sale to either beat the "pop" and gain optimal profits, or to swoop in and pluck up cheap property after a burst. In almost all sections of the country, the bubble remains "intact." For the most part, real estate bubbles don't pop, they just slowly deflate and the market levels off then surges again in the near future. Always take the approach that real estate is a long-term investment.
Hiring the wrong agent. Buyers and sellers should interview several agents, small and large. Get references and success stories. You may not benefit by opting for an agency's top-volume seller. That top-producing agent may have listed 40 homes last year and sold 30, but another agent may have listed 15 and sold 14. Opting for a friend or family member who is an agent doesn't assure you of results either. It could cause a rift. And choosing the agent who suggests the highest listing price is not a recipe for success either -- nor is opting for the agent who charges the lowest commission. Remember the SEED qualities in an agent: smart, empathic, experienced and dedicated will usually get the job done right.
Missing the big picture. Opting for a dream house that will otherwise create negative quality-of-life challenges such as longer commutes, distant schools, limited access to services, higher taxes, more stringent deed restrictions, stricter homeowner associations and other chronic headache-makers can cause buyers to question their decisions after a few months. Make sure your that dream house is grounded in reality.
Not knowing what you're signing. The sales contract is a legally binding document. Review it as if your legal well-being is at stake. It should address all your concerns and the concerns of the other party, such as who will pay what for closing costs and repairs expenses. A poorly written or incomplete contract can cost you lots of time, money and emotional energy and tie up your deal for weeks or months. If there have been any verbal commitments, they should be put in writing. If you're not using an attorney, make sure your agent is proactive in the construction and interpretation of the contract before you sign it or make concessions.
Poor timing. How many stories have you heard about people drowning under the weight of two mortgages because they committed to a new house before selling their old one? The most important transaction in the "buying-one-and-selling-one scenario" is the sale. Sometimes, you have little choice in the matter, but when you do, secure the sale of the old house before signing on the dotted line for the new one. Sure, you hate to miss out on that rare find and you might have to find an interim rental, but that's better than spending time in financial limbo and biting your fingernails to the quick. More from MSN
for low rate homeowners insurance
Real Estate Deal Wreckers
Top Real Estate Deal Wreckers from MSN, planning on buying or selling a home in 2006, these are pitfalls to avoid
mistakes to avoid in 2006:
Not understanding the length of the buying/selling process. You know what happens when you make decisions based on optimism, time-on-the-market averages and generous promises from agents -- ye old Murphy's law kicks in. The home-selling process is often more extensive than you think, from the early planning stages to protracted negotiations to oft-delayed closings. Sellers can take months before they formally accept a buyer's offer. Financing can get held up, buyers have tough time selling their old house, rough edges discovered in the final walk-through must be smoothed, etc. Give yourself a couple extra months to complete the deal.
Exposing your hand. Never let love for a house cloud your vision. Try to contain your enthusiasm. Otherwise, the sellers and (or) their agent will know they've hooked a live one and assume you may forgive certain flaws because you know the place is right for you. You can scream "yes!" when you get back out in your car.
Skipping the loan preapproval step. For buyers, getting preapproved for a mortgage gives you a clear idea of how much you can safely borrow, plus it addresses credit-rating issues and kick-starts other financial paperwork. What's more, it identifies you as a serious buyer. Sellers with a hot property should demand nothing less than proof of preapproval from the potential buyer's financial institution. No sense in wasting time on time-wasters.
Assuming the appraisal equals actual value. In theory, appraisals are objective estimates of value. But several different appraisals can yield several different numbers. For example, an appraisal that's been done for a possible refinance may have been slightly inflated to encourage that refinance. So sellers, before you put your home on the market, have an agent do a comparative market analysis to better indicate the home's worth. And buyers, get similar "comps" from your agent. But realize the true value of a house is what someone is willing to pay for it.
Timing the bubble ‘burst.’ Thousands of apprehensive sellers and buyers have been playing this game since the late 1990s, trying to time their sale to either beat the "pop" and gain optimal profits, or to swoop in and pluck up cheap property after a burst. In almost all sections of the country, the bubble remains "intact." For the most part, real estate bubbles don't pop, they just slowly deflate and the market levels off then surges again in the near future. Always take the approach that real estate is a long-term investment.
Hiring the wrong agent. Buyers and sellers should interview several agents, small and large. Get references and success stories. You may not benefit by opting for an agency's top-volume seller. That top-producing agent may have listed 40 homes last year and sold 30, but another agent may have listed 15 and sold 14. Opting for a friend or family member who is an agent doesn't assure you of results either. It could cause a rift. And choosing the agent who suggests the highest listing price is not a recipe for success either -- nor is opting for the agent who charges the lowest commission. Remember the SEED qualities in an agent: smart, empathic, experienced and dedicated will usually get the job done right.
Missing the big picture. Opting for a dream house that will otherwise create negative quality-of-life challenges such as longer commutes, distant schools, limited access to services, higher taxes, more stringent deed restrictions, stricter homeowner associations and other chronic headache-makers can cause buyers to question their decisions after a few months. Make sure your that dream house is grounded in reality.
Not knowing what you're signing. The sales contract is a legally binding document. Review it as if your legal well-being is at stake. It should address all your concerns and the concerns of the other party, such as who will pay what for closing costs and repairs expenses. A poorly written or incomplete contract can cost you lots of time, money and emotional energy and tie up your deal for weeks or months. If there have been any verbal commitments, they should be put in writing. If you're not using an attorney, make sure your agent is proactive in the construction and interpretation of the contract before you sign it or make concessions.
Poor timing. How many stories have you heard about people drowning under the weight of two mortgages because they committed to a new house before selling their old one? The most important transaction in the "buying-one-and-selling-one scenario" is the sale. Sometimes, you have little choice in the matter, but when you do, secure the sale of the old house before signing on the dotted line for the new one. Sure, you hate to miss out on that rare find and you might have to find an interim rental, but that's better than spending time in financial limbo and biting your fingernails to the quick. More from MSN
for low rate homeowners insurance
Friday, December 23, 2005
National Association of Home Builders Homeowners Insurance
Real Estate, Home Sales, Realtor, Home Builders, Homeowners Insurance.......
Nation's Strong Housing Market Seen 'Simmering Down' In 2006
December 21, 2005 - Following strong growth over the past three years, home sales and housing production will ease back next year to around 2004’s historically healthy levels, according to economists participating in a teleconference hosted by the National Association of Home Builders (NAHB) yesterday.
Striking an overall positive tone, NAHB Chief Economist David Seiders and JP Morgan Chase Senior Economist James Glassman were largely in agreement in their forecasts for the coming year in terms of the outlook for housing and the overall economy.
“We ’re looking for a good economy through 2006, with GDP growth remaining strong and with job creation running at roughly the same pace as in 2005 – key positive factors in the housing outlook,” said NAHB’s Seiders.
“For housing, it will be a systematic simmering down process toward more sustainable levels of sales, production and price appreciation as opposed to a full-blown cyclical contraction. In terms of single-family sales and starts, we’ll basically be retracing the increases we saw in 2005, heading back to 2004’s very healthy levels.”
Seiders’ forecast envisions overall housing starts reaching 1.94 million units in 2006, which is down from an estimated 2.06 million units this year and very close to 2004’s 1.95 million units. Single-family starts will decline to 1.59 million next year from this year’s 1.71 million units, while sales of new single-family homes will ease to about 1.19 million units from this year’s record-breaking 1.27 million. Likewise, multifamily starts will slip to 350,000 in 2006 from about 354,000 in 2005. Read More.....Home Forecast
from National Home Builders
Real Estate
Insurance
Nation's Strong Housing Market Seen 'Simmering Down' In 2006
December 21, 2005 - Following strong growth over the past three years, home sales and housing production will ease back next year to around 2004’s historically healthy levels, according to economists participating in a teleconference hosted by the National Association of Home Builders (NAHB) yesterday.
Striking an overall positive tone, NAHB Chief Economist David Seiders and JP Morgan Chase Senior Economist James Glassman were largely in agreement in their forecasts for the coming year in terms of the outlook for housing and the overall economy.
“We ’re looking for a good economy through 2006, with GDP growth remaining strong and with job creation running at roughly the same pace as in 2005 – key positive factors in the housing outlook,” said NAHB’s Seiders.
“For housing, it will be a systematic simmering down process toward more sustainable levels of sales, production and price appreciation as opposed to a full-blown cyclical contraction. In terms of single-family sales and starts, we’ll basically be retracing the increases we saw in 2005, heading back to 2004’s very healthy levels.”
Seiders’ forecast envisions overall housing starts reaching 1.94 million units in 2006, which is down from an estimated 2.06 million units this year and very close to 2004’s 1.95 million units. Single-family starts will decline to 1.59 million next year from this year’s 1.71 million units, while sales of new single-family homes will ease to about 1.19 million units from this year’s record-breaking 1.27 million. Likewise, multifamily starts will slip to 350,000 in 2006 from about 354,000 in 2005. Read More.....Home Forecast
from National Home Builders
Real Estate
Insurance
National Association of Home Builders Homeowners Insurance
Real Estate, Home Sales, Realtor, Home Builders, Homeowners Insurance.......
Nation's Strong Housing Market Seen 'Simmering Down' In 2006
December 21, 2005 - Following strong growth over the past three years, home sales and housing production will ease back next year to around 2004’s historically healthy levels, according to economists participating in a teleconference hosted by the National Association of Home Builders (NAHB) yesterday.
Striking an overall positive tone, NAHB Chief Economist David Seiders and JP Morgan Chase Senior Economist James Glassman were largely in agreement in their forecasts for the coming year in terms of the outlook for housing and the overall economy.
“We ’re looking for a good economy through 2006, with GDP growth remaining strong and with job creation running at roughly the same pace as in 2005 – key positive factors in the housing outlook,” said NAHB’s Seiders.
“For housing, it will be a systematic simmering down process toward more sustainable levels of sales, production and price appreciation as opposed to a full-blown cyclical contraction. In terms of single-family sales and starts, we’ll basically be retracing the increases we saw in 2005, heading back to 2004’s very healthy levels.”
Seiders’ forecast envisions overall housing starts reaching 1.94 million units in 2006, which is down from an estimated 2.06 million units this year and very close to 2004’s 1.95 million units. Single-family starts will decline to 1.59 million next year from this year’s 1.71 million units, while sales of new single-family homes will ease to about 1.19 million units from this year’s record-breaking 1.27 million. Likewise, multifamily starts will slip to 350,000 in 2006 from about 354,000 in 2005. Read More.....Home Forecast
from National Home Builders
Real Estate
Insurance
Nation's Strong Housing Market Seen 'Simmering Down' In 2006
December 21, 2005 - Following strong growth over the past three years, home sales and housing production will ease back next year to around 2004’s historically healthy levels, according to economists participating in a teleconference hosted by the National Association of Home Builders (NAHB) yesterday.
Striking an overall positive tone, NAHB Chief Economist David Seiders and JP Morgan Chase Senior Economist James Glassman were largely in agreement in their forecasts for the coming year in terms of the outlook for housing and the overall economy.
“We ’re looking for a good economy through 2006, with GDP growth remaining strong and with job creation running at roughly the same pace as in 2005 – key positive factors in the housing outlook,” said NAHB’s Seiders.
“For housing, it will be a systematic simmering down process toward more sustainable levels of sales, production and price appreciation as opposed to a full-blown cyclical contraction. In terms of single-family sales and starts, we’ll basically be retracing the increases we saw in 2005, heading back to 2004’s very healthy levels.”
Seiders’ forecast envisions overall housing starts reaching 1.94 million units in 2006, which is down from an estimated 2.06 million units this year and very close to 2004’s 1.95 million units. Single-family starts will decline to 1.59 million next year from this year’s 1.71 million units, while sales of new single-family homes will ease to about 1.19 million units from this year’s record-breaking 1.27 million. Likewise, multifamily starts will slip to 350,000 in 2006 from about 354,000 in 2005. Read More.....Home Forecast
from National Home Builders
Real Estate
Insurance
The Walk-Through - New York Times Real Estate Blog
real estate, agent, broker, homeowners insurance,....blogs....
Just found this great new Real Estate Blog from the New York Times..features Low Cost or No Cost Real Estate Data, Recent article about home sales nationwide..... recent articles and topics include....
David Berson, the chief economist at Fannie Mae, isn't getting gloomy about the housing market. In an interview during the Nightly Business Report on PBS last night, the economist said real estate sales will slow and prices may not climb, but thats only because investors what many would call speculators are dropping out of the market. But crash? No way, he says......Real Estate,Realtors, Agents Brokers.
for more info about Real Estate
Just found this great new Real Estate Blog from the New York Times..features Low Cost or No Cost Real Estate Data, Recent article about home sales nationwide..... recent articles and topics include....
David Berson, the chief economist at Fannie Mae, isn't getting gloomy about the housing market. In an interview during the Nightly Business Report on PBS last night, the economist said real estate sales will slow and prices may not climb, but thats only because investors what many would call speculators are dropping out of the market. But crash? No way, he says......Real Estate,Realtors, Agents Brokers.
for more info about Real Estate
The Walk-Through - New York Times Real Estate Blog
real estate, agent, broker, homeowners insurance,....blogs....
Just found this great new Real Estate Blog from the New York Times..features Low Cost or No Cost Real Estate Data, Recent article about home sales nationwide..... recent articles and topics include....
David Berson, the chief economist at Fannie Mae, isn't getting gloomy about the housing market. In an interview during the Nightly Business Report on PBS last night, the economist said real estate sales will slow and prices may not climb, but thats only because investors what many would call speculators are dropping out of the market. But crash? No way, he says......Real Estate,Realtors, Agents Brokers.
for more info about Real Estate
Just found this great new Real Estate Blog from the New York Times..features Low Cost or No Cost Real Estate Data, Recent article about home sales nationwide..... recent articles and topics include....
David Berson, the chief economist at Fannie Mae, isn't getting gloomy about the housing market. In an interview during the Nightly Business Report on PBS last night, the economist said real estate sales will slow and prices may not climb, but thats only because investors what many would call speculators are dropping out of the market. But crash? No way, he says......Real Estate,Realtors, Agents Brokers.
for more info about Real Estate
Thursday, December 22, 2005
homeowners preventing holiday thefts
homeowners insurance, home insurance, insurance.....
insurance
- in a recent survey 52% of those polled said they never use their home security system
- 27.6% said they rarely or never keep the outside of their house well lit at night.
- Homeowners can help reduce holiday home burglaries by using their home security systems and attaching motion detectors to their outdoor lights.
- If you plan on being out of town during the holidays, do not advertise it.
- 40% of holiday travelers fail to stop their newspaper and mail service
- Do not place gifts or valuables where they can be seen from a window
- Burglars sometimes pose as delivery men to gain access to your home, ask for identification.
- Be wary of strangers who ring your doorbell and say they have lost their pet and they think the pet is in your backyard. While you go to look they may burglarize your home.
- Keep your home well lit and shrubs trimmed below window level.
- Turn off your computer and disconnect it from the internet to prevent identity theft.
- Keep garages and tool sheds locked. Burglars are not shy about using your tools to break into your home.
- After the holidays avoid leaving boxes on the curb from big ticket items.
insurance
homeowners preventing holiday thefts
homeowners insurance, home insurance, insurance.....
insurance
- in a recent survey 52% of those polled said they never use their home security system
- 27.6% said they rarely or never keep the outside of their house well lit at night.
- Homeowners can help reduce holiday home burglaries by using their home security systems and attaching motion detectors to their outdoor lights.
- If you plan on being out of town during the holidays, do not advertise it.
- 40% of holiday travelers fail to stop their newspaper and mail service
- Do not place gifts or valuables where they can be seen from a window
- Burglars sometimes pose as delivery men to gain access to your home, ask for identification.
- Be wary of strangers who ring your doorbell and say they have lost their pet and they think the pet is in your backyard. While you go to look they may burglarize your home.
- Keep your home well lit and shrubs trimmed below window level.
- Turn off your computer and disconnect it from the internet to prevent identity theft.
- Keep garages and tool sheds locked. Burglars are not shy about using your tools to break into your home.
- After the holidays avoid leaving boxes on the curb from big ticket items.
insurance
homeowners insurance for holiday hosts travelers
Homeowners Insurance, Home Insurance
Homeowners Insurance Advice for Holiday Hosts and Holiday Travelers
from Insurance Journal
If you're hosting friends and family this holiday season, it might pay to check your insurance first, according to the Illinois Department of Insurance. Better to know in advance what is covered and what isn't when hosting that Christmas dinner or New Year's party.
insurance
homeowners insurance
holiday
Homeowners Insurance Advice for Holiday Hosts and Holiday Travelers
from Insurance Journal
If you're hosting friends and family this holiday season, it might pay to check your insurance first, according to the Illinois Department of Insurance. Better to know in advance what is covered and what isn't when hosting that Christmas dinner or New Year's party.
"None of us like to think about what might go wrong, but making sure you have the right insurance for your family, home and cars is an easy way to protect yourself during the holiday season and all year long," said Dean Martinez, acting secretary, IDFPR. "With so much going on this month, taking a minute to review insurance coverage can provide peace of mind."
The number of insurance claims rise during the winter months � auto accidents, home damage caused by bad weather, faulty wiring, increased crime � including identity theft, and accidents resulting from overindulgence, Martinez said.
The following tips provide guidance for Illinois residents hosting holiday celebrations or traveling this year:
* Homeowners Insurance -- Homeowners insurance policies include coverage for your dwelling and personal property contents against perils such as fire, as well as liability insurance to protect you if you become legally liable for someone's bodily injury or death, or damage to their property. Some homeowners' policies also provide coverage for other expenses, such as identity theft.
* Social host legal liability � According to Illinois law, social hosts who provides alcohol to guests and then do nothing to prevent an impaired person from driving or causing injuries to themselves or others, or damage to property might be liable for damages. Before hosting a party where you will serve alcohol, ask your insurance agent or company if your homeowners insurance policy covers you for social host legal liability. Most homeowners policies currently provide coverage for social host liability claims. If not, it may be possible to purchase insurance coverage for special events such as a large holiday party, wedding reception, etc.
* Winter weather � Besides protecting guests and family members from accidents, by taking care to keep your sidewalk and driveway free of ice/snow and making sure your home is in good repair; you can prevent claims against you and your insurance company. For the rest of this article : Holiday & Travel
from: Insurance Journal
insurance
homeowners insurance
holiday
homeowners insurance for holiday hosts travelers
Homeowners Insurance, Home Insurance
Homeowners Insurance Advice for Holiday Hosts and Holiday Travelers
from Insurance Journal
If you're hosting friends and family this holiday season, it might pay to check your insurance first, according to the Illinois Department of Insurance. Better to know in advance what is covered and what isn't when hosting that Christmas dinner or New Year's party.
insurance
homeowners insurance
holiday
Homeowners Insurance Advice for Holiday Hosts and Holiday Travelers
from Insurance Journal
If you're hosting friends and family this holiday season, it might pay to check your insurance first, according to the Illinois Department of Insurance. Better to know in advance what is covered and what isn't when hosting that Christmas dinner or New Year's party.
"None of us like to think about what might go wrong, but making sure you have the right insurance for your family, home and cars is an easy way to protect yourself during the holiday season and all year long," said Dean Martinez, acting secretary, IDFPR. "With so much going on this month, taking a minute to review insurance coverage can provide peace of mind."
The number of insurance claims rise during the winter months � auto accidents, home damage caused by bad weather, faulty wiring, increased crime � including identity theft, and accidents resulting from overindulgence, Martinez said.
The following tips provide guidance for Illinois residents hosting holiday celebrations or traveling this year:
* Homeowners Insurance -- Homeowners insurance policies include coverage for your dwelling and personal property contents against perils such as fire, as well as liability insurance to protect you if you become legally liable for someone's bodily injury or death, or damage to their property. Some homeowners' policies also provide coverage for other expenses, such as identity theft.
* Social host legal liability � According to Illinois law, social hosts who provides alcohol to guests and then do nothing to prevent an impaired person from driving or causing injuries to themselves or others, or damage to property might be liable for damages. Before hosting a party where you will serve alcohol, ask your insurance agent or company if your homeowners insurance policy covers you for social host legal liability. Most homeowners policies currently provide coverage for social host liability claims. If not, it may be possible to purchase insurance coverage for special events such as a large holiday party, wedding reception, etc.
* Winter weather � Besides protecting guests and family members from accidents, by taking care to keep your sidewalk and driveway free of ice/snow and making sure your home is in good repair; you can prevent claims against you and your insurance company. For the rest of this article : Holiday & Travel
from: Insurance Journal
insurance
homeowners insurance
holiday
Wednesday, December 21, 2005
Good News Homes Opens Bedford Apartments
homeowners insurance, home insurance, ....
"
"
"After spending almost two months in a hospital this year, Jennifer Adams was not sure what she and her family were going to do. Adams’ husband was having to make multiple trips to the hospital as well as care for their two children. The expense of the trips to the hospital, combined with Adams not working, was becoming increasingly costly for the Bedford family.
“I don’t know what we’d been able to do,” Adams said. “We’d probably end up homeless.”
While Adams was in the hospital, transitional apartments were being built near downtown Bedford. The four apartments were the first project in Trimble County for Good News Homes, a nonprofit organization created by Southern Baptists in Oldham and Trimble counties.
Adams learned of the housing opportunity from the Bedford Baptist Church and applied for the housing opportunity in hopes of not having to live in a homeless shelter in Louisville. She and her family were chosen out of the abundance of applications Good News Homes received.
“It was a bigger need than anybody realized,” said Sheri Caldwell, program manager.
Now, the Adams family along with three other families wait for the sewer system to be connected to the apartment complex so the families will be able to move into their new homes. For now, Adams and her family are staying with a relative in Floyds Knobs, Ind., and Adams takes her two children to Trimble County schools each day for class, a 120-mile round trip, while the Adamses wait for the last piece of the construction to be finished. The family should be able to move in about a month.
Even though the Adams family has not moved in yet, the family had its first party Sunday with the building’s dedication. Good News Homes board members, workers, Oldham-Trimble Baptist Association members and community members stopped by to see how the four, three-bedroom apartments turned out. Read the rest of the Story Here: Madison News
Good News Homes Opens Bedford Apartments
homeowners insurance, home insurance, ....
"
"
"After spending almost two months in a hospital this year, Jennifer Adams was not sure what she and her family were going to do. Adams’ husband was having to make multiple trips to the hospital as well as care for their two children. The expense of the trips to the hospital, combined with Adams not working, was becoming increasingly costly for the Bedford family.
“I don’t know what we’d been able to do,” Adams said. “We’d probably end up homeless.”
While Adams was in the hospital, transitional apartments were being built near downtown Bedford. The four apartments were the first project in Trimble County for Good News Homes, a nonprofit organization created by Southern Baptists in Oldham and Trimble counties.
Adams learned of the housing opportunity from the Bedford Baptist Church and applied for the housing opportunity in hopes of not having to live in a homeless shelter in Louisville. She and her family were chosen out of the abundance of applications Good News Homes received.
“It was a bigger need than anybody realized,” said Sheri Caldwell, program manager.
Now, the Adams family along with three other families wait for the sewer system to be connected to the apartment complex so the families will be able to move into their new homes. For now, Adams and her family are staying with a relative in Floyds Knobs, Ind., and Adams takes her two children to Trimble County schools each day for class, a 120-mile round trip, while the Adamses wait for the last piece of the construction to be finished. The family should be able to move in about a month.
Even though the Adams family has not moved in yet, the family had its first party Sunday with the building’s dedication. Good News Homes board members, workers, Oldham-Trimble Baptist Association members and community members stopped by to see how the four, three-bedroom apartments turned out. Read the rest of the Story Here: Madison News
Tuesday, December 20, 2005
homeowners insurance property insurance
homeowners insurance, property insurance, home insurance. information about your homeowners insurance policy.
1) When you ar buying a home, consider the cost of homeowners insurance. In many cases, a newer home may cost less to insure than an older home .You may pay less for homeowners insurance if you buy ah ouse close to a fire hydrant or in a community that has a professional fire department. If your electrical, heating, and plumbing systems are less than 10 years old, you may be able to reduce your homeowners insurance premium. In some situations the cost of insurance for a brick home may be less than the cost of insuring a frame/wooden home.
category: homeowners insurance
2) Remember that flood insurance and earthquake insurance are not covered or a part of most homeowners insurance policies. If you purchase a home in a flood prone area you will need to purchase a separate flood policy. YOu may also want to consider adding earthquake coverage onto the policy by endorsement.
category: home insurance
3) Review the limist of your homeowners insurance policy and the value of your possessions at least once per year. Your want your property insurance policy to cover any major purchases or additions.
category: homeowners insurance
4) Maintain a Good Credit Score,
Maintain a Good Credit Score. Establishing a solid credit history can reduce your total insurance costs. Many insurers now use the credit information to determine the price of homeowners insurance.
category: homeowners insurance.
5) Improve your home security.
Improve your home security. You may be able to obtain a lowered rate for the following items
smoke detectors, burglar alarms, monitored home alarms.
category: homeowners insurance
6) The land under your house is not at risk of theft, windstorm or fire. So do not include the the value of land in deciding how much homeowners insurance to buy.
category: homeowners insurance
7) Raise your homeowners insurance deductible.
Raise your homeowners inurance deductible. The higher your deductible the more money you may save on homeowners insurance. Many insurance companies now recommend a deductible of at least $500......
category homeowners insurance
visit us online at Ky Homeowners Insurance
Dick Watts Insurance
12200 Shelbyville Rd #112, Louisville, KY 40243 (502) 245-3625
Homeowners Insurance
Home Insurance
property+insurance
1) When you ar buying a home, consider the cost of homeowners insurance. In many cases, a newer home may cost less to insure than an older home .You may pay less for homeowners insurance if you buy ah ouse close to a fire hydrant or in a community that has a professional fire department. If your electrical, heating, and plumbing systems are less than 10 years old, you may be able to reduce your homeowners insurance premium. In some situations the cost of insurance for a brick home may be less than the cost of insuring a frame/wooden home.
category: homeowners insurance
2) Remember that flood insurance and earthquake insurance are not covered or a part of most homeowners insurance policies. If you purchase a home in a flood prone area you will need to purchase a separate flood policy. YOu may also want to consider adding earthquake coverage onto the policy by endorsement.
category: home insurance
3) Review the limist of your homeowners insurance policy and the value of your possessions at least once per year. Your want your property insurance policy to cover any major purchases or additions.
category: homeowners insurance
4) Maintain a Good Credit Score,
Maintain a Good Credit Score. Establishing a solid credit history can reduce your total insurance costs. Many insurers now use the credit information to determine the price of homeowners insurance.
category: homeowners insurance.
5) Improve your home security.
Improve your home security. You may be able to obtain a lowered rate for the following items
smoke detectors, burglar alarms, monitored home alarms.
category: homeowners insurance
6) The land under your house is not at risk of theft, windstorm or fire. So do not include the the value of land in deciding how much homeowners insurance to buy.
category: homeowners insurance
7) Raise your homeowners insurance deductible.
Raise your homeowners inurance deductible. The higher your deductible the more money you may save on homeowners insurance. Many insurance companies now recommend a deductible of at least $500......
category homeowners insurance
visit us online at Ky Homeowners Insurance
Dick Watts Insurance
12200 Shelbyville Rd #112, Louisville, KY 40243 (502) 245-3625
Homeowners Insurance
Home Insurance
property+insurance
homeowners insurance property insurance
homeowners insurance, property insurance, home insurance. information about your homeowners insurance policy.
1) When you ar buying a home, consider the cost of homeowners insurance. In many cases, a newer home may cost less to insure than an older home .You may pay less for homeowners insurance if you buy ah ouse close to a fire hydrant or in a community that has a professional fire department. If your electrical, heating, and plumbing systems are less than 10 years old, you may be able to reduce your homeowners insurance premium. In some situations the cost of insurance for a brick home may be less than the cost of insuring a frame/wooden home.
category: homeowners insurance
2) Remember that flood insurance and earthquake insurance are not covered or a part of most homeowners insurance policies. If you purchase a home in a flood prone area you will need to purchase a separate flood policy. YOu may also want to consider adding earthquake coverage onto the policy by endorsement.
category: home insurance
3) Review the limist of your homeowners insurance policy and the value of your possessions at least once per year. Your want your property insurance policy to cover any major purchases or additions.
category: homeowners insurance
4) Maintain a Good Credit Score,
Maintain a Good Credit Score. Establishing a solid credit history can reduce your total insurance costs. Many insurers now use the credit information to determine the price of homeowners insurance.
category: homeowners insurance.
5) Improve your home security.
Improve your home security. You may be able to obtain a lowered rate for the following items
smoke detectors, burglar alarms, monitored home alarms.
category: homeowners insurance
6) The land under your house is not at risk of theft, windstorm or fire. So do not include the the value of land in deciding how much homeowners insurance to buy.
category: homeowners insurance
7) Raise your homeowners insurance deductible.
Raise your homeowners inurance deductible. The higher your deductible the more money you may save on homeowners insurance. Many insurance companies now recommend a deductible of at least $500......
category homeowners insurance
visit us online at Ky Homeowners Insurance
Dick Watts Insurance
12200 Shelbyville Rd #112, Louisville, KY 40243 (502) 245-3625
Homeowners Insurance
Home Insurance
property+insurance
1) When you ar buying a home, consider the cost of homeowners insurance. In many cases, a newer home may cost less to insure than an older home .You may pay less for homeowners insurance if you buy ah ouse close to a fire hydrant or in a community that has a professional fire department. If your electrical, heating, and plumbing systems are less than 10 years old, you may be able to reduce your homeowners insurance premium. In some situations the cost of insurance for a brick home may be less than the cost of insuring a frame/wooden home.
category: homeowners insurance
2) Remember that flood insurance and earthquake insurance are not covered or a part of most homeowners insurance policies. If you purchase a home in a flood prone area you will need to purchase a separate flood policy. YOu may also want to consider adding earthquake coverage onto the policy by endorsement.
category: home insurance
3) Review the limist of your homeowners insurance policy and the value of your possessions at least once per year. Your want your property insurance policy to cover any major purchases or additions.
category: homeowners insurance
4) Maintain a Good Credit Score,
Maintain a Good Credit Score. Establishing a solid credit history can reduce your total insurance costs. Many insurers now use the credit information to determine the price of homeowners insurance.
category: homeowners insurance.
5) Improve your home security.
Improve your home security. You may be able to obtain a lowered rate for the following items
smoke detectors, burglar alarms, monitored home alarms.
category: homeowners insurance
6) The land under your house is not at risk of theft, windstorm or fire. So do not include the the value of land in deciding how much homeowners insurance to buy.
category: homeowners insurance
7) Raise your homeowners insurance deductible.
Raise your homeowners inurance deductible. The higher your deductible the more money you may save on homeowners insurance. Many insurance companies now recommend a deductible of at least $500......
category homeowners insurance
visit us online at Ky Homeowners Insurance
Dick Watts Insurance
12200 Shelbyville Rd #112, Louisville, KY 40243 (502) 245-3625
Homeowners Insurance
Home Insurance
property+insurance
Friday, December 16, 2005
tired of getting stuck in a voice mail loop?
When you call us at 502-245-3625 you will get to speak to a real person, you will not get automatically thrown into voice mail. We make an extra effort to personally answer each call. If you happen to call during normal business hours and we cannot get the phone, you will have the option of leaving a brief message vs being stuck in a Voice Mail Phone System. We wanted to share this new information with our customers. There is now a free list available online of many major companies and how to bypass their voice mail systems and get to a real person. The name of the web site is Paul English. We recently heard about this on the national news. We have not tried any of the phone numbers or work arounds yet. If you get a chance to try a number and it works, please leave a comment here on our blog. Once again the site is PaulEnglish.com
tired of getting stuck in a voice mail loop?
When you call us at 502-245-3625 you will get to speak to a real person, you will not get automatically thrown into voice mail. We make an extra effort to personally answer each call. If you happen to call during normal business hours and we cannot get the phone, you will have the option of leaving a brief message vs being stuck in a Voice Mail Phone System. We wanted to share this new information with our customers. There is now a free list available online of many major companies and how to bypass their voice mail systems and get to a real person. The name of the web site is Paul English. We recently heard about this on the national news. We have not tried any of the phone numbers or work arounds yet. If you get a chance to try a number and it works, please leave a comment here on our blog. Once again the site is PaulEnglish.com
Thursday, December 15, 2005
traveling fun tip, best Hot Dog Spot in LA
For those of you luck enough to escape the harsh cold winter of Louisville, and if you are traveling to Los Angeles you may want to check out this blog, Hot Dog Spot They claim more Hot Dogs are consumed in LA then anywhere else. This blog is on their quest for the best Hot Dog Spot in LA
traveling fun tip, best Hot Dog Spot in LA
For those of you luck enough to escape the harsh cold winter of Louisville, and if you are traveling to Los Angeles you may want to check out this blog, Hot Dog Spot They claim more Hot Dogs are consumed in LA then anywhere else. This blog is on their quest for the best Hot Dog Spot in LA
Tuesday, December 13, 2005
car insurance kentucky
car insurance kentucky, we specialize in low rate car insurance for kentucky, call us today at 1-866-540-9504 for a free auto insurance quote
car insurance kentucky
car insurance kentucky
car insurance kentucky
car insurance kentucky, we specialize in low rate car insurance for kentucky, call us today at 1-866-540-9504 for a free auto insurance quote
car insurance kentucky
car insurance kentucky
No Proof of Insurance-New Law
Starting January 1, however, the free ride gets more difficult when county clerks offices across Kentucky begin interfacing online with insurance companies.
Here's the way the new process to enforce the law will work: 300 insurers across the Commonwealth have agreed to share information and notify the state as soon as an insurance policy expires or is canceled.
On the street, police will have instant access to the information from their patrol cars, so they can now write citations on the spot for driving without insurance, even if they're presented with what appears to be a valid insurance card.
Behind the scenes, state officials will work to check the information and send out warnings. Violators will be given 30 days to correct the problem or risk winding up in court.
State Representative Ron Crimm (R-Louisville) says this change represents progress towards getting uninsured drivers off the road. "This certainly is not going to keep the accident from happening, but if helps one more person get their insurance and keep it in force, then the program has done a good job."
Equipment bought for enforcement also added a techno-perk: you'll soon be able to avoid the wait at the department of motor vehicles and register your car online in Kentucky.
And those lines may grow by an estimated 12 percent if everyone driving without insurance is forced to obey the law.
Read the rest of the story at Wave 3
Auto Insurance New Law
Kentucky Insurance
Here's the way the new process to enforce the law will work: 300 insurers across the Commonwealth have agreed to share information and notify the state as soon as an insurance policy expires or is canceled.
On the street, police will have instant access to the information from their patrol cars, so they can now write citations on the spot for driving without insurance, even if they're presented with what appears to be a valid insurance card.
Behind the scenes, state officials will work to check the information and send out warnings. Violators will be given 30 days to correct the problem or risk winding up in court.
State Representative Ron Crimm (R-Louisville) says this change represents progress towards getting uninsured drivers off the road. "This certainly is not going to keep the accident from happening, but if helps one more person get their insurance and keep it in force, then the program has done a good job."
Equipment bought for enforcement also added a techno-perk: you'll soon be able to avoid the wait at the department of motor vehicles and register your car online in Kentucky.
And those lines may grow by an estimated 12 percent if everyone driving without insurance is forced to obey the law.
Read the rest of the story at Wave 3
Auto Insurance New Law
Kentucky Insurance
No Proof of Insurance-New Law
Starting January 1, however, the free ride gets more difficult when county clerks offices across Kentucky begin interfacing online with insurance companies.
Here's the way the new process to enforce the law will work: 300 insurers across the Commonwealth have agreed to share information and notify the state as soon as an insurance policy expires or is canceled.
On the street, police will have instant access to the information from their patrol cars, so they can now write citations on the spot for driving without insurance, even if they're presented with what appears to be a valid insurance card.
Behind the scenes, state officials will work to check the information and send out warnings. Violators will be given 30 days to correct the problem or risk winding up in court.
State Representative Ron Crimm (R-Louisville) says this change represents progress towards getting uninsured drivers off the road. "This certainly is not going to keep the accident from happening, but if helps one more person get their insurance and keep it in force, then the program has done a good job."
Equipment bought for enforcement also added a techno-perk: you'll soon be able to avoid the wait at the department of motor vehicles and register your car online in Kentucky.
And those lines may grow by an estimated 12 percent if everyone driving without insurance is forced to obey the law.
Read the rest of the story at Wave 3
Auto Insurance New Law
Kentucky Insurance
Here's the way the new process to enforce the law will work: 300 insurers across the Commonwealth have agreed to share information and notify the state as soon as an insurance policy expires or is canceled.
On the street, police will have instant access to the information from their patrol cars, so they can now write citations on the spot for driving without insurance, even if they're presented with what appears to be a valid insurance card.
Behind the scenes, state officials will work to check the information and send out warnings. Violators will be given 30 days to correct the problem or risk winding up in court.
State Representative Ron Crimm (R-Louisville) says this change represents progress towards getting uninsured drivers off the road. "This certainly is not going to keep the accident from happening, but if helps one more person get their insurance and keep it in force, then the program has done a good job."
Equipment bought for enforcement also added a techno-perk: you'll soon be able to avoid the wait at the department of motor vehicles and register your car online in Kentucky.
And those lines may grow by an estimated 12 percent if everyone driving without insurance is forced to obey the law.
Read the rest of the story at Wave 3
Auto Insurance New Law
Kentucky Insurance
Monday, December 12, 2005
Turkey Shotgun Season Ending
Kentucky hunters have until Thursday evening to get a Christmas turkey with a firearm during the second half of fall turkey shotgun season.
Kentucky
Homeowners Insurance
Kentucky Hunting Season
Hunters have harvested nearly 2,200 birds this fall, during the October shotgun season and the ongoing fall archery season.
"So far, this year's numbers look to be right on average following last year's record fall harvest," said Steven Dobey, wildlife program coordinator for the Kentucky Department of Fish and Wildlife Resources (KDFWR). "I would expect the December harvest to be good this year, especially with the warmer than average temperatures."
Summer brood surveys conducted by the KDFWR showed lower than average reproduction. The eastern section of Kentucky showed the highest reproductive success, whereas reproduction in the central and western sections of the state was far below average.
Turkey hunters are required to have a Kentucky hunting license, as well as a fall turkey shotgun permit. The fall shotgun season bag limit allows a hunter two turkeys of either sex, with a daily limit of one turkey.
If a hunter has already taken a turkey during the October shotgun season, he or she may take one additional turkey during the December season. Hunters who have not harvested a turkey during October may take both turkeys during the December segment, and those who took two birds in the October segment have reached their fall shotgun season limit already.
Fall turkey archery season continues now through Jan. 16.
DEER TOTALS - Deer hunters are having another good year in the Bluegrass state. As of Dec. 4, they had harvested 100,619 deer.
Numbers will continue to climb as archery season continues thorough Jan. 16 and the second muzzleloader season runs Dec. 10-18. However the total probably won't reach last year's record of 124,752, but could reach the average kill of 110,201 for the past six seasons.
As of Dec. 4, 587 deer had been taken in Taylor County and 961 in Green County.
Now is a great time to make sure you have the most competitive homeowners insurance rates . We offer competitive homeowners insurance rates for Kentucky residents. If you have been cancelled or non-renewed by your prior homeowners insurance company we may be able to insure you today. If you have been cancelled for too many claims, we can shop to find you a competitive homeowners insurance quote. If you have no prior homeowners or property insurance, we can insure your home today. If you have a Vacant Home or Rental property we can help you find rental property insurance or vacant home insurance. Dick Watts Insurance 12200 Shelbyville Rd #112, Louisville, KY 40243 502-245-3625 or toll free 1-866-540-9504
Kentucky
Homeowners Insurance
Kentucky Hunting Season
Turkey Shotgun Season Ending
Kentucky hunters have until Thursday evening to get a Christmas turkey with a firearm during the second half of fall turkey shotgun season.
Kentucky
Homeowners Insurance
Kentucky Hunting Season
Hunters have harvested nearly 2,200 birds this fall, during the October shotgun season and the ongoing fall archery season.
"So far, this year's numbers look to be right on average following last year's record fall harvest," said Steven Dobey, wildlife program coordinator for the Kentucky Department of Fish and Wildlife Resources (KDFWR). "I would expect the December harvest to be good this year, especially with the warmer than average temperatures."
Summer brood surveys conducted by the KDFWR showed lower than average reproduction. The eastern section of Kentucky showed the highest reproductive success, whereas reproduction in the central and western sections of the state was far below average.
Turkey hunters are required to have a Kentucky hunting license, as well as a fall turkey shotgun permit. The fall shotgun season bag limit allows a hunter two turkeys of either sex, with a daily limit of one turkey.
If a hunter has already taken a turkey during the October shotgun season, he or she may take one additional turkey during the December season. Hunters who have not harvested a turkey during October may take both turkeys during the December segment, and those who took two birds in the October segment have reached their fall shotgun season limit already.
Fall turkey archery season continues now through Jan. 16.
DEER TOTALS - Deer hunters are having another good year in the Bluegrass state. As of Dec. 4, they had harvested 100,619 deer.
Numbers will continue to climb as archery season continues thorough Jan. 16 and the second muzzleloader season runs Dec. 10-18. However the total probably won't reach last year's record of 124,752, but could reach the average kill of 110,201 for the past six seasons.
As of Dec. 4, 587 deer had been taken in Taylor County and 961 in Green County.
Now is a great time to make sure you have the most competitive homeowners insurance rates . We offer competitive homeowners insurance rates for Kentucky residents. If you have been cancelled or non-renewed by your prior homeowners insurance company we may be able to insure you today. If you have been cancelled for too many claims, we can shop to find you a competitive homeowners insurance quote. If you have no prior homeowners or property insurance, we can insure your home today. If you have a Vacant Home or Rental property we can help you find rental property insurance or vacant home insurance. Dick Watts Insurance 12200 Shelbyville Rd #112, Louisville, KY 40243 502-245-3625 or toll free 1-866-540-9504
Kentucky
Homeowners Insurance
Kentucky Hunting Season
Tuesday, December 6, 2005
Thank A Soldier Week December 19-25
Thank A Soldier Week December 19-25th
During Thank a Soldier Week (December 19-25),
Townhall.com is encouraging Americans to stop for a moment and give thanks to the men and women risking everything for us.
We challenge you to do 3 things:
Say Thank You
Say "Thank You" to at least one member of the Armed Forces as you pass them on the street.
Send An Email
Send an email (use the form below) to a soldier serving overseas, separated from loved ones during the holiday season. click here to send an Email
Send Money
Make a donation to one of the many charitable organizations providing comfort to the troops and their families at home.
Start Right Now! Just Click on This Link: ThankASoldierWeek.com
Visit us online for a Free Auto Insurance Qutoe : DickWattsInsurance.com
Thank A Soldier Week
Country Music Awards
Dick Watts Insurance
During Thank a Soldier Week (December 19-25),
Townhall.com is encouraging Americans to stop for a moment and give thanks to the men and women risking everything for us.
We challenge you to do 3 things:
Say Thank You
Say "Thank You" to at least one member of the Armed Forces as you pass them on the street.
Send An Email
Send an email (use the form below) to a soldier serving overseas, separated from loved ones during the holiday season. click here to send an Email
Send Money
Make a donation to one of the many charitable organizations providing comfort to the troops and their families at home.
Start Right Now! Just Click on This Link: ThankASoldierWeek.com
Visit us online for a Free Auto Insurance Qutoe : DickWattsInsurance.com
Thank A Soldier Week
Country Music Awards
Dick Watts Insurance
Thank A Soldier Week December 19-25
Thank A Soldier Week December 19-25th
During Thank a Soldier Week (December 19-25),
Townhall.com is encouraging Americans to stop for a moment and give thanks to the men and women risking everything for us.
We challenge you to do 3 things:
Say Thank You
Say "Thank You" to at least one member of the Armed Forces as you pass them on the street.
Send An Email
Send an email (use the form below) to a soldier serving overseas, separated from loved ones during the holiday season. click here to send an Email
Send Money
Make a donation to one of the many charitable organizations providing comfort to the troops and their families at home.
Start Right Now! Just Click on This Link: ThankASoldierWeek.com
Visit us online for a Free Auto Insurance Qutoe : DickWattsInsurance.com
Thank A Soldier Week
Country Music Awards
Dick Watts Insurance
During Thank a Soldier Week (December 19-25),
Townhall.com is encouraging Americans to stop for a moment and give thanks to the men and women risking everything for us.
We challenge you to do 3 things:
Say Thank You
Say "Thank You" to at least one member of the Armed Forces as you pass them on the street.
Send An Email
Send an email (use the form below) to a soldier serving overseas, separated from loved ones during the holiday season. click here to send an Email
Send Money
Make a donation to one of the many charitable organizations providing comfort to the troops and their families at home.
Start Right Now! Just Click on This Link: ThankASoldierWeek.com
Visit us online for a Free Auto Insurance Qutoe : DickWattsInsurance.com
Thank A Soldier Week
Country Music Awards
Dick Watts Insurance
Monday, December 5, 2005
10 cars for safety
Insurers Praise Top Ten Cars for Safety
Ten 2006 passenger cars won praise from the insurance industry Sunday for offering top-of-the-line protection to passengers in front, side and rear crashes.
The Insurance Institute for Highway Safety announced a new designation, the Top Safety Pick award, based on the performance of vehicles in their crash tests.
Winners of the institute's gold award included the Ford Five Hundred and Mercury Montego with optional side air bags; the Saab 9-3; the Subaru Legacy; and the Honda Civic four-door. The Five Hundred and Montego are corporate twins and were considered by the institute to be the same car, for award purposes.
They earned top scores in frontal offset and side impact tests, and a test that reviews seat and head restraints in rear crashes.
The silver award went to the Audi A6, Audi A3 and Audi A4; the Chevrolet Malibu with optional side air bags; and the Volkswagen Jetta and Passat.
The institute recognized vehicles that won top marks in front and side crash tests, plus the second-highest mark in seat and head restraint ratings.
No awards were given to minivans. Tests for pickups and sport utility vehicles were still being conducted. Read More Here: Insurance Companies Praise 10 Cars for Safety
car insurance
kentucky
auto insurance
car safety
10 cars for safety
Insurers Praise Top Ten Cars for Safety
Ten 2006 passenger cars won praise from the insurance industry Sunday for offering top-of-the-line protection to passengers in front, side and rear crashes.
The Insurance Institute for Highway Safety announced a new designation, the Top Safety Pick award, based on the performance of vehicles in their crash tests.
Winners of the institute's gold award included the Ford Five Hundred and Mercury Montego with optional side air bags; the Saab 9-3; the Subaru Legacy; and the Honda Civic four-door. The Five Hundred and Montego are corporate twins and were considered by the institute to be the same car, for award purposes.
They earned top scores in frontal offset and side impact tests, and a test that reviews seat and head restraints in rear crashes.
The silver award went to the Audi A6, Audi A3 and Audi A4; the Chevrolet Malibu with optional side air bags; and the Volkswagen Jetta and Passat.
The institute recognized vehicles that won top marks in front and side crash tests, plus the second-highest mark in seat and head restraint ratings.
No awards were given to minivans. Tests for pickups and sport utility vehicles were still being conducted. Read More Here: Insurance Companies Praise 10 Cars for Safety
car insurance
kentucky
auto insurance
car safety
give the gift of life this holiday season
Give the Gift of Life this holiday Season,
Friends Don't Let Friends Drive Drunk
For more information visit: StopImpairedDriving.org
Friends Don't Let Friends Drive Drunk
- The Holiday season between Thanksgiving and Christmas is one of the deadliest and most dangerous times of the year due to an increase in impaired driving .
- 1210 people in the US during December 2004 were killed in a highway crash
- In 2004, over 15,000 alcohol related crashes involving a driver with a BAC of .08 or above
- The Watts Team is encouraging everyone to give the gift of life this yearby helping make sure no one gets behind the wheel while impaired
- Always Designate a Sober Designated Driver before the party.
- If you are organizing a Holiday Party remind guests to designate a driver. Serve non-alcoholic beverages to the designated driver, other ways to avoid tragedy:
- If impaired, Call a Taxi, use mass transit or call a sober friend.
- Report Impaired Drivers to Law Enforcement
- Always wear your seat belt, buckle up.
For more information visit: StopImpairedDriving.org
give the gift of life this holiday season
Give the Gift of Life this holiday Season,
Friends Don't Let Friends Drive Drunk
For more information visit: StopImpairedDriving.org
Friends Don't Let Friends Drive Drunk
- The Holiday season between Thanksgiving and Christmas is one of the deadliest and most dangerous times of the year due to an increase in impaired driving .
- 1210 people in the US during December 2004 were killed in a highway crash
- In 2004, over 15,000 alcohol related crashes involving a driver with a BAC of .08 or above
- The Watts Team is encouraging everyone to give the gift of life this yearby helping make sure no one gets behind the wheel while impaired
- Always Designate a Sober Designated Driver before the party.
- If you are organizing a Holiday Party remind guests to designate a driver. Serve non-alcoholic beverages to the designated driver, other ways to avoid tragedy:
- If impaired, Call a Taxi, use mass transit or call a sober friend.
- Report Impaired Drivers to Law Enforcement
- Always wear your seat belt, buckle up.
For more information visit: StopImpairedDriving.org
Friday, December 2, 2005
LaGrange KY Lights Up This Weekend
LaGrange Kentucky Lights Up this Weekend.
The holiday season offically kicks off in LaGrange KY this weekend as the city once again lights up its Streets during Light Up LaGrange Kentucky .The annual festival which has been voted one of the Kentucky Tourism Council's Top Ten Kentucky Winter Festivals kicks off on Friday Dec 2 at 6:00 PM with the Santa Parade .
Other Activities:
For more information visit: Kentucky Festivals
Discover Downtown LaGrange
Pewee Valley, KY
TBA: Pewee Valley Yule Log. Entertainment, presentation at the Little Colonel Playhouse, bonfire, caroling and food.
TBA: Little Colonel’s Christmas Festival. At the Little Colonel Playhouse. (502) 588-1557.
If you would like your Kentucky Christmas Festival added, just send us an email.
Merry Christmas from Dick Watts Insurance!
The holiday season offically kicks off in LaGrange KY this weekend as the city once again lights up its Streets during Light Up LaGrange Kentucky .The annual festival which has been voted one of the Kentucky Tourism Council's Top Ten Kentucky Winter Festivals kicks off on Friday Dec 2 at 6:00 PM with the Santa Parade .
Other Activities:
- Carriage Rides
- Free gift wrapping from local merchants.
- LaGrange KY Christian Church Spaghetti dinner
For more information visit: Kentucky Festivals
Discover Downtown LaGrange
Pewee Valley, KY
TBA: Pewee Valley Yule Log. Entertainment, presentation at the Little Colonel Playhouse, bonfire, caroling and food.
TBA: Little Colonel’s Christmas Festival. At the Little Colonel Playhouse. (502) 588-1557.
If you would like your Kentucky Christmas Festival added, just send us an email.
Merry Christmas from Dick Watts Insurance!
LaGrange KY Lights Up This Weekend
LaGrange Kentucky Lights Up this Weekend.
The holiday season offically kicks off in LaGrange KY this weekend as the city once again lights up its Streets during Light Up LaGrange Kentucky .The annual festival which has been voted one of the Kentucky Tourism Council's Top Ten Kentucky Winter Festivals kicks off on Friday Dec 2 at 6:00 PM with the Santa Parade .
Other Activities:
For more information visit: Kentucky Festivals
Discover Downtown LaGrange
Pewee Valley, KY
TBA: Pewee Valley Yule Log. Entertainment, presentation at the Little Colonel Playhouse, bonfire, caroling and food.
TBA: Little Colonel’s Christmas Festival. At the Little Colonel Playhouse. (502) 588-1557.
If you would like your Kentucky Christmas Festival added, just send us an email.
Merry Christmas from Dick Watts Insurance!
The holiday season offically kicks off in LaGrange KY this weekend as the city once again lights up its Streets during Light Up LaGrange Kentucky .The annual festival which has been voted one of the Kentucky Tourism Council's Top Ten Kentucky Winter Festivals kicks off on Friday Dec 2 at 6:00 PM with the Santa Parade .
Other Activities:
- Carriage Rides
- Free gift wrapping from local merchants.
- LaGrange KY Christian Church Spaghetti dinner
For more information visit: Kentucky Festivals
Discover Downtown LaGrange
Pewee Valley, KY
TBA: Pewee Valley Yule Log. Entertainment, presentation at the Little Colonel Playhouse, bonfire, caroling and food.
TBA: Little Colonel’s Christmas Festival. At the Little Colonel Playhouse. (502) 588-1557.
If you would like your Kentucky Christmas Festival added, just send us an email.
Merry Christmas from Dick Watts Insurance!
Monday, November 28, 2005
car insurance
car insurance- check out our new photos of our office over to the right in the sidebar.
here is the link to our photos on flickr : Kentucky Car Insurance Photos
here is the link to our photos on flickr : Kentucky Car Insurance Photos
car insurance
car insurance- check out our new photos of our office over to the right in the sidebar.
here is the link to our photos on flickr : Kentucky Car Insurance Photos
here is the link to our photos on flickr : Kentucky Car Insurance Photos
Sunday, November 27, 2005
Kentucky Christmas Tree Farms
Kentucky Christmas Tree Farms
Alpine Ridge Christmas Tree Farm Inc. La Grange, Ky., about 25 miles from Louisville. (502) 933-1755. Opens Friday and will operate every Friday, Saturday and Sunday, 10 a.m.-5 p.m., through Dec. 4.
Scotch and white pine, $29; blue spruce, Douglas fir, concolor fir and Canaan fir, $36-$59. You cut; saws are provided. Customers are not permitted to dig trees. Free loose-needle shake-out of trees.
Take Interstate 71 north to exit 22 (La Grange/Ky. 53). Turn right onto Ky. 53 south. Go 0.6 mile, turn left onto Zhale Smith Road. Go 1.4 miles, turn left onto Massey School Road. Go one tenth of a mile. The farm is on the left.
for more information visit: Kentucky Christmas Tree Farms
Alpine Ridge Christmas Tree Farm Inc. La Grange, Ky., about 25 miles from Louisville. (502) 933-1755. Opens Friday and will operate every Friday, Saturday and Sunday, 10 a.m.-5 p.m., through Dec. 4.
Scotch and white pine, $29; blue spruce, Douglas fir, concolor fir and Canaan fir, $36-$59. You cut; saws are provided. Customers are not permitted to dig trees. Free loose-needle shake-out of trees.
Take Interstate 71 north to exit 22 (La Grange/Ky. 53). Turn right onto Ky. 53 south. Go 0.6 mile, turn left onto Zhale Smith Road. Go 1.4 miles, turn left onto Massey School Road. Go one tenth of a mile. The farm is on the left.
for more information visit: Kentucky Christmas Tree Farms
Kentucky Christmas Tree Farms
Kentucky Christmas Tree Farms
Alpine Ridge Christmas Tree Farm Inc. La Grange, Ky., about 25 miles from Louisville. (502) 933-1755. Opens Friday and will operate every Friday, Saturday and Sunday, 10 a.m.-5 p.m., through Dec. 4.
Scotch and white pine, $29; blue spruce, Douglas fir, concolor fir and Canaan fir, $36-$59. You cut; saws are provided. Customers are not permitted to dig trees. Free loose-needle shake-out of trees.
Take Interstate 71 north to exit 22 (La Grange/Ky. 53). Turn right onto Ky. 53 south. Go 0.6 mile, turn left onto Zhale Smith Road. Go 1.4 miles, turn left onto Massey School Road. Go one tenth of a mile. The farm is on the left.
for more information visit: Kentucky Christmas Tree Farms
Alpine Ridge Christmas Tree Farm Inc. La Grange, Ky., about 25 miles from Louisville. (502) 933-1755. Opens Friday and will operate every Friday, Saturday and Sunday, 10 a.m.-5 p.m., through Dec. 4.
Scotch and white pine, $29; blue spruce, Douglas fir, concolor fir and Canaan fir, $36-$59. You cut; saws are provided. Customers are not permitted to dig trees. Free loose-needle shake-out of trees.
Take Interstate 71 north to exit 22 (La Grange/Ky. 53). Turn right onto Ky. 53 south. Go 0.6 mile, turn left onto Zhale Smith Road. Go 1.4 miles, turn left onto Massey School Road. Go one tenth of a mile. The farm is on the left.
for more information visit: Kentucky Christmas Tree Farms
worlds largest salvation army red kettle unveiled
World's Largest Salvation Army Red Kettle unveiled... you can see a great photo here :
world's larges red kettle
Salvation Army
red kettle
world's larges red kettle
We are sponsoring our own Online Virtual Red Kettle campain for the Salvation Army .
Just click on the Salvation Army Red Kettle above and you can make a secure online donation to our kettle. The Red Kettle Christmas Campaign enables the Army to provide food, toys and clothing to over 6 million people during the Christmas season and helps more than 34 million Americans recovering from all kinds of personal disasters nationwide.
Salvation Army
red kettle
worlds largest salvation army red kettle unveiled
World's Largest Salvation Army Red Kettle unveiled... you can see a great photo here :
world's larges red kettle
Salvation Army
red kettle
world's larges red kettle
We are sponsoring our own Online Virtual Red Kettle campain for the Salvation Army .
Just click on the Salvation Army Red Kettle above and you can make a secure online donation to our kettle. The Red Kettle Christmas Campaign enables the Army to provide food, toys and clothing to over 6 million people during the Christmas season and helps more than 34 million Americans recovering from all kinds of personal disasters nationwide.
Salvation Army
red kettle
Kentucky Rental Property Insurance
RENTAL PROPERTY INSURANCE. REAL ESTATE LOUISVILLE KY. LANDLORD POLICY. HOMEOWNERS INSURANCE
We can insure your rental property or investment property today
Category:
* Vacant Homes - Rental Property Insurance
* Rehab Homes - Rental Property Insurance
* Investment Property- Rental Property Insurance Are you a Realtor, Investor, Contractor- are you looking for immediate binding insurance coverage for your rental property? Does your lender require rental property insurance before the closing? No problem we can insure you today. We can bind coverage immediately, we will fax proof of insurance to the realtor, lender, and directly to the closing. Be insured in 15 minutes or less!
The Specialty Dwelling Program is designed for homes that do not qualify for preferred homeowners coverage including:Older and lower-value homesHomes with minor cosmetic problemsHomes with a market value below replacement costFolks with credit and/or loss problemsSmall landlord properties (up to 4 living units)Vacants, seasonals, row houses, cabins, and much more
RENTAL PROPERTY INSURANCE. REAL ESTATE LOUISVILLE KY. LANDLORD POLICY. HOMEOWNERS INSURANCE
We are proud members of KREIA- Real Estate Investing for the beginner. KREIA is a networking forum to educate real estate investors from the basics to the complex.
The Kentuckiana Real Estate Investors Association Provides:
A forum for meeting with other investors
Idea exchange
Investment Enthusiasm
Knowledge of market and investment techniques
visit our web site for more Rental Property Insurance KY information
renters fire insurance in ky
Real Estate
Rental Property Insurance
Insurance
Kentucky Insurance
Vacant Homes
Vacant Homes
kentuckiana real estate investor association
We can insure your rental property or investment property today
Category:
* Vacant Homes - Rental Property Insurance
* Rehab Homes - Rental Property Insurance
* Investment Property- Rental Property Insurance Are you a Realtor, Investor, Contractor- are you looking for immediate binding insurance coverage for your rental property? Does your lender require rental property insurance before the closing? No problem we can insure you today. We can bind coverage immediately, we will fax proof of insurance to the realtor, lender, and directly to the closing. Be insured in 15 minutes or less!
The Specialty Dwelling Program is designed for homes that do not qualify for preferred homeowners coverage including:Older and lower-value homesHomes with minor cosmetic problemsHomes with a market value below replacement costFolks with credit and/or loss problemsSmall landlord properties (up to 4 living units)Vacants, seasonals, row houses, cabins, and much more
RENTAL PROPERTY INSURANCE. REAL ESTATE LOUISVILLE KY. LANDLORD POLICY. HOMEOWNERS INSURANCE
We are proud members of KREIA- Real Estate Investing for the beginner. KREIA is a networking forum to educate real estate investors from the basics to the complex.
The Kentuckiana Real Estate Investors Association Provides:
A forum for meeting with other investors
Idea exchange
Investment Enthusiasm
Knowledge of market and investment techniques
visit our web site for more Rental Property Insurance KY information
renters fire insurance in ky
Real Estate
Rental Property Insurance
Insurance
Kentucky Insurance
Vacant Homes
Vacant Homes
kentuckiana real estate investor association
Kentucky Rental Property Insurance
RENTAL PROPERTY INSURANCE. REAL ESTATE LOUISVILLE KY. LANDLORD POLICY. HOMEOWNERS INSURANCE
We can insure your rental property or investment property today
Category:
* Vacant Homes - Rental Property Insurance
* Rehab Homes - Rental Property Insurance
* Investment Property- Rental Property Insurance Are you a Realtor, Investor, Contractor- are you looking for immediate binding insurance coverage for your rental property? Does your lender require rental property insurance before the closing? No problem we can insure you today. We can bind coverage immediately, we will fax proof of insurance to the realtor, lender, and directly to the closing. Be insured in 15 minutes or less!
The Specialty Dwelling Program is designed for homes that do not qualify for preferred homeowners coverage including:Older and lower-value homesHomes with minor cosmetic problemsHomes with a market value below replacement costFolks with credit and/or loss problemsSmall landlord properties (up to 4 living units)Vacants, seasonals, row houses, cabins, and much more
RENTAL PROPERTY INSURANCE. REAL ESTATE LOUISVILLE KY. LANDLORD POLICY. HOMEOWNERS INSURANCE
We are proud members of KREIA- Real Estate Investing for the beginner. KREIA is a networking forum to educate real estate investors from the basics to the complex.
The Kentuckiana Real Estate Investors Association Provides:
A forum for meeting with other investors
Idea exchange
Investment Enthusiasm
Knowledge of market and investment techniques
visit our web site for more Rental Property Insurance KY information
renters fire insurance in ky
Real Estate
Rental Property Insurance
Insurance
Kentucky Insurance
Vacant Homes
Vacant Homes
kentuckiana real estate investor association
We can insure your rental property or investment property today
Category:
* Vacant Homes - Rental Property Insurance
* Rehab Homes - Rental Property Insurance
* Investment Property- Rental Property Insurance Are you a Realtor, Investor, Contractor- are you looking for immediate binding insurance coverage for your rental property? Does your lender require rental property insurance before the closing? No problem we can insure you today. We can bind coverage immediately, we will fax proof of insurance to the realtor, lender, and directly to the closing. Be insured in 15 minutes or less!
The Specialty Dwelling Program is designed for homes that do not qualify for preferred homeowners coverage including:Older and lower-value homesHomes with minor cosmetic problemsHomes with a market value below replacement costFolks with credit and/or loss problemsSmall landlord properties (up to 4 living units)Vacants, seasonals, row houses, cabins, and much more
RENTAL PROPERTY INSURANCE. REAL ESTATE LOUISVILLE KY. LANDLORD POLICY. HOMEOWNERS INSURANCE
We are proud members of KREIA- Real Estate Investing for the beginner. KREIA is a networking forum to educate real estate investors from the basics to the complex.
The Kentuckiana Real Estate Investors Association Provides:
A forum for meeting with other investors
Idea exchange
Investment Enthusiasm
Knowledge of market and investment techniques
visit our web site for more Rental Property Insurance KY information
renters fire insurance in ky
Real Estate
Rental Property Insurance
Insurance
Kentucky Insurance
Vacant Homes
Vacant Homes
kentuckiana real estate investor association
23 arrested in sting of auto collision ring KY auto
auto insurance, kentucky auto insurance, auto insurance rates, ky auto insurance
23 arrested in sting of auto collision ring
Twenty-three people have been arrested for allegedly participating in an insurance fraud ring that staged more than 60 auto collisions on Southern California freeways and bilked about $3 million from insurers, officials said Wednesday.
A seven-month investigation led to the arrest of Huntington Park lawyer Bernard Laufer, 52, as the alleged ringleader, said state Insurance Commissioner John Garamendi. Laufer, taken into custody Tuesday, faces charges of insurance fraud, grand theft and conspiracy.
The investigation continues and more arrests likely will be made, Garamendi said. The probe is looking into doctors and chiropractors who may have been involved in the scam. Review the rest of the article here: Herald
auto insurance, ky auto insurance
23 arrested in sting of auto collision ring
Twenty-three people have been arrested for allegedly participating in an insurance fraud ring that staged more than 60 auto collisions on Southern California freeways and bilked about $3 million from insurers, officials said Wednesday.
A seven-month investigation led to the arrest of Huntington Park lawyer Bernard Laufer, 52, as the alleged ringleader, said state Insurance Commissioner John Garamendi. Laufer, taken into custody Tuesday, faces charges of insurance fraud, grand theft and conspiracy.
The investigation continues and more arrests likely will be made, Garamendi said. The probe is looking into doctors and chiropractors who may have been involved in the scam. Review the rest of the article here: Herald
auto insurance, ky auto insurance
23 arrested in sting of auto collision ring KY auto
auto insurance, kentucky auto insurance, auto insurance rates, ky auto insurance
23 arrested in sting of auto collision ring
Twenty-three people have been arrested for allegedly participating in an insurance fraud ring that staged more than 60 auto collisions on Southern California freeways and bilked about $3 million from insurers, officials said Wednesday.
A seven-month investigation led to the arrest of Huntington Park lawyer Bernard Laufer, 52, as the alleged ringleader, said state Insurance Commissioner John Garamendi. Laufer, taken into custody Tuesday, faces charges of insurance fraud, grand theft and conspiracy.
The investigation continues and more arrests likely will be made, Garamendi said. The probe is looking into doctors and chiropractors who may have been involved in the scam. Review the rest of the article here: Herald
auto insurance, ky auto insurance
23 arrested in sting of auto collision ring
Twenty-three people have been arrested for allegedly participating in an insurance fraud ring that staged more than 60 auto collisions on Southern California freeways and bilked about $3 million from insurers, officials said Wednesday.
A seven-month investigation led to the arrest of Huntington Park lawyer Bernard Laufer, 52, as the alleged ringleader, said state Insurance Commissioner John Garamendi. Laufer, taken into custody Tuesday, faces charges of insurance fraud, grand theft and conspiracy.
The investigation continues and more arrests likely will be made, Garamendi said. The probe is looking into doctors and chiropractors who may have been involved in the scam. Review the rest of the article here: Herald
auto insurance, ky auto insurance
Wednesday, November 23, 2005
New Law Will Clamp down on Uninsured Motorists
This article from Wave 3 Charla Young
New Law Will Clamp Down on Uninsured Motorists
kentucky
kentucky insurance
uninsured drivers
car insurance
New Law Will Clamp Down on Uninsured Motorists
"Mary Shake still replays the July automobile crash she was involved in over and over in her mind. "I had been to a store and I needed to go to the Outer Loop," she recalled.Read the entire article here : New Law
"I had traveled a short distance and I looked in my rearview mirror as I do quite often and I said, oh my goodness! she is in my car.'"
Mary never saw the woman responsible for the accident. But she does remember the police officer asking for insurance cards.
"She gave them a card that stated she got insurance in May," Mary said.
It was a month later when Mary got the complete story.
"It's very plain that she did not have the insurance," Mary said, "and she outright lied to the officer about this at the time."
So Mary's insurance company was forced to pick up the bill.
This problem is not uncommon. Twelve percent of all Kentucky drivers are uninsured even though liability insurance is mandatory.
So how could it happen?
Once some drivers get their proof of insurance cards, they immediately drop the policy or stop making payments. But the card still shows they're covered for six months.
Glenn Jennings with Kentucky's Office of Insurance admits that such people become "a burden on everyone."
But House Bill 29, which passed during the last session, aims to close the gap on the insurance card loophole.
"Effective January 1st, all insurers in the state of Kentucky will submit a formatted data file to the Department of Transportation," Jennings says.
That information will be updated every 15 days, and will soon be accessible in all state trooper cruisers for instant verification.
If drivers don't have insurance, Jennings says "they will be penalized fines involved won't be able to register vehicle."
And if insurers don't update the files properly, they could lose their license to do business.
Mary believes such legislation is a step in the right direction. "I guess this is what we need."
The new legislation will take effect January 1st. It will be a collaborative effort between the Office of Insurance, the Department of Transportation and the county clerk's office.
The legislation and monitoring system comes with a big price tag, but experts say the price of uninsured drivers on Kentucky's roadways far outweighs this investment.""
kentucky
kentucky insurance
uninsured drivers
car insurance
New Law Will Clamp down on Uninsured Motorists
This article from Wave 3 Charla Young
New Law Will Clamp Down on Uninsured Motorists
kentucky
kentucky insurance
uninsured drivers
car insurance
New Law Will Clamp Down on Uninsured Motorists
"Mary Shake still replays the July automobile crash she was involved in over and over in her mind. "I had been to a store and I needed to go to the Outer Loop," she recalled.Read the entire article here : New Law
"I had traveled a short distance and I looked in my rearview mirror as I do quite often and I said, oh my goodness! she is in my car.'"
Mary never saw the woman responsible for the accident. But she does remember the police officer asking for insurance cards.
"She gave them a card that stated she got insurance in May," Mary said.
It was a month later when Mary got the complete story.
"It's very plain that she did not have the insurance," Mary said, "and she outright lied to the officer about this at the time."
So Mary's insurance company was forced to pick up the bill.
This problem is not uncommon. Twelve percent of all Kentucky drivers are uninsured even though liability insurance is mandatory.
So how could it happen?
Once some drivers get their proof of insurance cards, they immediately drop the policy or stop making payments. But the card still shows they're covered for six months.
Glenn Jennings with Kentucky's Office of Insurance admits that such people become "a burden on everyone."
But House Bill 29, which passed during the last session, aims to close the gap on the insurance card loophole.
"Effective January 1st, all insurers in the state of Kentucky will submit a formatted data file to the Department of Transportation," Jennings says.
That information will be updated every 15 days, and will soon be accessible in all state trooper cruisers for instant verification.
If drivers don't have insurance, Jennings says "they will be penalized fines involved won't be able to register vehicle."
And if insurers don't update the files properly, they could lose their license to do business.
Mary believes such legislation is a step in the right direction. "I guess this is what we need."
The new legislation will take effect January 1st. It will be a collaborative effort between the Office of Insurance, the Department of Transportation and the county clerk's office.
The legislation and monitoring system comes with a big price tag, but experts say the price of uninsured drivers on Kentucky's roadways far outweighs this investment.""
kentucky
kentucky insurance
uninsured drivers
car insurance
Salvation Army Launches Online Red Kettle
The Salvation Army's traditional red kettle is an integral part of the Christmas season. Donations provide Christmas dinners, food, clothing and toys for needy families and individuals. When you donate, expect The Salvation Army to do the most good with your contribution in your community, and throughout the nation, serving over 34 million Americans through a variety of programs 365 days of the year. Join us by clicking on Donate NOW to This Kettle and help us fill our Online Business Red Kettle in support of The Salvation Army.
We are supporting this effort this Christmas Season. Please click on the donate now link below to make a secure online donation
DONATE NOW!
For More Information visit the Salvation Army website
salvation army
donate online
kentucky
dick watts insurance
car insurance
Salvation Army Launches Online Red Kettle
The Salvation Army's traditional red kettle is an integral part of the Christmas season. Donations provide Christmas dinners, food, clothing and toys for needy families and individuals. When you donate, expect The Salvation Army to do the most good with your contribution in your community, and throughout the nation, serving over 34 million Americans through a variety of programs 365 days of the year. Join us by clicking on Donate NOW to This Kettle and help us fill our Online Business Red Kettle in support of The Salvation Army.
We are supporting this effort this Christmas Season. Please click on the donate now link below to make a secure online donation
DONATE NOW!
For More Information visit the Salvation Army website
salvation army
donate online
kentucky
dick watts insurance
car insurance
Monday, November 21, 2005
Kentucky Home Gardens
Just found this great Kentucky Home Garden blog: Kentucky Home Gardens
Smith outlines a recent trip to a Nelson county Aquaculture Farm
Read the rest of the article here: Kentucky Home Gardens
kentucky+homeowners+insurance
insurance
real estate
Smith outlines a recent trip to a Nelson county Aquaculture Farm
"In Nelson County we visited Robert Mayer's aquaculture farm dedicated to the raising of large mouth bass. The unique thing about this operation is the marketing aspect. The fish are shipped live to Toronto Canada to be consumed...."
Read the rest of the article here: Kentucky Home Gardens
kentucky+homeowners+insurance
insurance
real estate
Kentucky Home Gardens
Just found this great Kentucky Home Garden blog: Kentucky Home Gardens
Smith outlines a recent trip to a Nelson county Aquaculture Farm
Read the rest of the article here: Kentucky Home Gardens
kentucky+homeowners+insurance
insurance
real estate
Smith outlines a recent trip to a Nelson county Aquaculture Farm
"In Nelson County we visited Robert Mayer's aquaculture farm dedicated to the raising of large mouth bass. The unique thing about this operation is the marketing aspect. The fish are shipped live to Toronto Canada to be consumed...."
Read the rest of the article here: Kentucky Home Gardens
kentucky+homeowners+insurance
insurance
real estate
Sunday, November 20, 2005
Insurance Rates can depend on Credit Scores
What is credit scoring?
A credit score is a snapshot of your cred at one point in time. The credit information contained in the report is put through a mathematical formul that assigns weithg to the various factors and summarizes your credit information in a 3 digit number ranging from zero to 999. Generally, the higher the number the more financially responsible is the consumer.
How is the credit scoring used?
If your insurance company relies on credit scoring they may use it in 2 ways:
Underwriting- Deciding whether to issue you a new policy or to renew your existing policy
Rating- Deciding waht price to charge your for your insurance by placing you in a specific rating tier.
What affects a credit score?
bankruptcy, collection, foreclosure
Number and frequency of late payments
Homeownership- whether you own or rent
Outstanding debt
Know your credit History
There is a good chance your current or prospective insurance company is looking at your credit. Therefore it is a good idea to review your credit history to make sure it is accurate . You can obtain a free copy of your credit report at AnnualCreditReport.com
In the state of Kentucky, credit scoring is not currently prohibited as a criteria for underwriting or rating.
Kentucky auto insurance
Credit Score
Dick Watts Insurance
A credit score is a snapshot of your cred at one point in time. The credit information contained in the report is put through a mathematical formul that assigns weithg to the various factors and summarizes your credit information in a 3 digit number ranging from zero to 999. Generally, the higher the number the more financially responsible is the consumer.
How is the credit scoring used?
If your insurance company relies on credit scoring they may use it in 2 ways:
Underwriting- Deciding whether to issue you a new policy or to renew your existing policy
Rating- Deciding waht price to charge your for your insurance by placing you in a specific rating tier.
What affects a credit score?
bankruptcy, collection, foreclosure
Number and frequency of late payments
Homeownership- whether you own or rent
Outstanding debt
Know your credit History
There is a good chance your current or prospective insurance company is looking at your credit. Therefore it is a good idea to review your credit history to make sure it is accurate . You can obtain a free copy of your credit report at AnnualCreditReport.com
In the state of Kentucky, credit scoring is not currently prohibited as a criteria for underwriting or rating.
Kentucky auto insurance
Credit Score
Dick Watts Insurance
Insurance Rates can depend on Credit Scores
What is credit scoring?
A credit score is a snapshot of your cred at one point in time. The credit information contained in the report is put through a mathematical formul that assigns weithg to the various factors and summarizes your credit information in a 3 digit number ranging from zero to 999. Generally, the higher the number the more financially responsible is the consumer.
How is the credit scoring used?
If your insurance company relies on credit scoring they may use it in 2 ways:
Underwriting- Deciding whether to issue you a new policy or to renew your existing policy
Rating- Deciding waht price to charge your for your insurance by placing you in a specific rating tier.
What affects a credit score?
bankruptcy, collection, foreclosure
Number and frequency of late payments
Homeownership- whether you own or rent
Outstanding debt
Know your credit History
There is a good chance your current or prospective insurance company is looking at your credit. Therefore it is a good idea to review your credit history to make sure it is accurate . You can obtain a free copy of your credit report at AnnualCreditReport.com
In the state of Kentucky, credit scoring is not currently prohibited as a criteria for underwriting or rating.
Kentucky auto insurance
Credit Score
Dick Watts Insurance
A credit score is a snapshot of your cred at one point in time. The credit information contained in the report is put through a mathematical formul that assigns weithg to the various factors and summarizes your credit information in a 3 digit number ranging from zero to 999. Generally, the higher the number the more financially responsible is the consumer.
How is the credit scoring used?
If your insurance company relies on credit scoring they may use it in 2 ways:
Underwriting- Deciding whether to issue you a new policy or to renew your existing policy
Rating- Deciding waht price to charge your for your insurance by placing you in a specific rating tier.
What affects a credit score?
bankruptcy, collection, foreclosure
Number and frequency of late payments
Homeownership- whether you own or rent
Outstanding debt
Know your credit History
There is a good chance your current or prospective insurance company is looking at your credit. Therefore it is a good idea to review your credit history to make sure it is accurate . You can obtain a free copy of your credit report at AnnualCreditReport.com
In the state of Kentucky, credit scoring is not currently prohibited as a criteria for underwriting or rating.
Kentucky auto insurance
Credit Score
Dick Watts Insurance
About Buying Auto Insurance in Kentucky
Here are some things you should know about Buying Auto Insurance in Kentucky
How is your insurance Rate determined? Two factors determine what you pay for car insurance. The first factor is underwriting and the second factor is rating. Insurance companies underwrite to assess the risk assocated with an applicant, group the applicant with similar ists and decide if the company will accep the applicaton.
Several Factors Affect Risk Rating
Your driving record, area in which you live, gender and age, marital status, prior insurance coverage, vehicle use and make and model of your vehicle are all factors that will affect the rate.
Ask Your Agent About Discounts
Discounts are awarded because the insurance company sees you as a "better risk" Discounts to look for:
Collision Coverage pays for physical damage to your car as a result of you auto colliding with an object such as a tree or another car.
Comprehensive Coveage covers fire, vandalism, & theft.
Optional Coverages require an additional premium
Read you policy carefully:
You should be aware that an auto insurance policy is a legal contract. It is written so your rights and responsibilities as well as those of the insurance company are clearly satets. When you purchase an auto insurance you will receive a policy. You should read that policy and make certain that you understand its contents.
If you have questions about your auto insurance policy contact the Watts Team
Auto Insurance KY
Dick Watts Insurance
Buying Auto insurance
Disclaimer: Every insurance policy is different. The above is an example only. Read your own policy to find out exactly what is covered.
How is your insurance Rate determined? Two factors determine what you pay for car insurance. The first factor is underwriting and the second factor is rating. Insurance companies underwrite to assess the risk assocated with an applicant, group the applicant with similar ists and decide if the company will accep the applicaton.
Several Factors Affect Risk Rating
Your driving record, area in which you live, gender and age, marital status, prior insurance coverage, vehicle use and make and model of your vehicle are all factors that will affect the rate.
Ask Your Agent About Discounts
Discounts are awarded because the insurance company sees you as a "better risk" Discounts to look for:
- Multiple Vehicles
- Driver Education Courses
- Good Student
- Safety Devices
- Anti-Theft devices
Collision Coverage pays for physical damage to your car as a result of you auto colliding with an object such as a tree or another car.
Comprehensive Coveage covers fire, vandalism, & theft.
Optional Coverages require an additional premium
Read you policy carefully:
You should be aware that an auto insurance policy is a legal contract. It is written so your rights and responsibilities as well as those of the insurance company are clearly satets. When you purchase an auto insurance you will receive a policy. You should read that policy and make certain that you understand its contents.
If you have questions about your auto insurance policy contact the Watts Team
Auto Insurance KY
Dick Watts Insurance
Buying Auto insurance
Disclaimer: Every insurance policy is different. The above is an example only. Read your own policy to find out exactly what is covered.
About Buying Auto Insurance in Kentucky
Here are some things you should know about Buying Auto Insurance in Kentucky
How is your insurance Rate determined? Two factors determine what you pay for car insurance. The first factor is underwriting and the second factor is rating. Insurance companies underwrite to assess the risk assocated with an applicant, group the applicant with similar ists and decide if the company will accep the applicaton.
Several Factors Affect Risk Rating
Your driving record, area in which you live, gender and age, marital status, prior insurance coverage, vehicle use and make and model of your vehicle are all factors that will affect the rate.
Ask Your Agent About Discounts
Discounts are awarded because the insurance company sees you as a "better risk" Discounts to look for:
Collision Coverage pays for physical damage to your car as a result of you auto colliding with an object such as a tree or another car.
Comprehensive Coveage covers fire, vandalism, & theft.
Optional Coverages require an additional premium
Read you policy carefully:
You should be aware that an auto insurance policy is a legal contract. It is written so your rights and responsibilities as well as those of the insurance company are clearly satets. When you purchase an auto insurance you will receive a policy. You should read that policy and make certain that you understand its contents.
If you have questions about your auto insurance policy contact the Watts Team
Auto Insurance KY
Dick Watts Insurance
Buying Auto insurance
Disclaimer: Every insurance policy is different. The above is an example only. Read your own policy to find out exactly what is covered.
How is your insurance Rate determined? Two factors determine what you pay for car insurance. The first factor is underwriting and the second factor is rating. Insurance companies underwrite to assess the risk assocated with an applicant, group the applicant with similar ists and decide if the company will accep the applicaton.
Several Factors Affect Risk Rating
Your driving record, area in which you live, gender and age, marital status, prior insurance coverage, vehicle use and make and model of your vehicle are all factors that will affect the rate.
Ask Your Agent About Discounts
Discounts are awarded because the insurance company sees you as a "better risk" Discounts to look for:
- Multiple Vehicles
- Driver Education Courses
- Good Student
- Safety Devices
- Anti-Theft devices
Collision Coverage pays for physical damage to your car as a result of you auto colliding with an object such as a tree or another car.
Comprehensive Coveage covers fire, vandalism, & theft.
Optional Coverages require an additional premium
Read you policy carefully:
You should be aware that an auto insurance policy is a legal contract. It is written so your rights and responsibilities as well as those of the insurance company are clearly satets. When you purchase an auto insurance you will receive a policy. You should read that policy and make certain that you understand its contents.
If you have questions about your auto insurance policy contact the Watts Team
Auto Insurance KY
Dick Watts Insurance
Buying Auto insurance
Disclaimer: Every insurance policy is different. The above is an example only. Read your own policy to find out exactly what is covered.
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