Do You Have Any CDs Coming Due? Would You Like To Earn a Higher Return?
A New Year…a time to look back and reflect on our lives, and look forward to what we hope for our future. As we make resolutions this New Year, planning for your financial future should be one of the first items on your “to do” list! If you don’t already have a plan, NOW is the time to begin investing in your retirement plan – the earlier you begin, the more money you will have at retirement. Even one year can make a big difference in your payout at retirement. Who wants to work longer because they can’t afford to retire?
What is an annuity?
An annuity is a contract between you and an insurance company to provide you with a future income stream. You pay the company a certain amount of money over a period of time, and in return the company will disburse checks throughout your retirement, within the stipulated annuity period. Payouts can be delayed for a number of years after retirement, or they can begin immediately. And if it is set up to be paid over your entire lifetime, you can never outlive it!
Why annuities?
With the uncertainty of the volatile market we are facing, and may continue to face for many years, annuities offer an extremely safe way to grow and protect your retirement assets. There are guaranteed returns - a guarantee you just can’t get in the stock market. In addition, interest is tax-deferred and annuities are estate assets that pass directly to the named beneficiary.
Annuities may just be that stable, safe-haven for your money that you are
looking for. Certainly much safer than storing it under the mattress, and
undoubtedly less risky than playing the stock market.
Don’t put your future on hold! Call 330-334-1561 or 1-800-334-1561 to speak with Patrick O’Neill to get more information on setting up an annuity.
Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts
Wednesday, February 16, 2011
Wednesday, January 26, 2011
Sprinkler Systems
Is Your Sprinkler System “Out of Sight, Out of Mind”?
How would you feel if you were told that your car’s brakes only work 95% of the time? I’m guessing you would be pretty scared. Now what if I told you all you had to do was inspect the vehicles brakes regularly to improve that figure working 100% of the time? I’m sure you would schedule your regular inspections.
Unfortunately, many businesses forgo getting their sprinkler systems inspected and repaired when necessary, which brings their efficiency level down to 95% or less. So why do businesses with sprinkler systems fail to inspect their systems? Perhaps the old saying “out of sight, out of mind” applies. Maybe facility managers just don’t think of it, or perhaps it is seen as a costly and unnecessary investment?
I’m not sure the true reason, but I do know this: a functional sprinkler system can mean the difference between a total loss of property and a less devastating event. Not to mention, it can potentially save your life and the lives of anyone in your building.
Questions? Feel free to contact our office!
How would you feel if you were told that your car’s brakes only work 95% of the time? I’m guessing you would be pretty scared. Now what if I told you all you had to do was inspect the vehicles brakes regularly to improve that figure working 100% of the time? I’m sure you would schedule your regular inspections.
Unfortunately, many businesses forgo getting their sprinkler systems inspected and repaired when necessary, which brings their efficiency level down to 95% or less. So why do businesses with sprinkler systems fail to inspect their systems? Perhaps the old saying “out of sight, out of mind” applies. Maybe facility managers just don’t think of it, or perhaps it is seen as a costly and unnecessary investment?
I’m not sure the true reason, but I do know this: a functional sprinkler system can mean the difference between a total loss of property and a less devastating event. Not to mention, it can potentially save your life and the lives of anyone in your building.
Questions? Feel free to contact our office!
Thursday, December 2, 2010
Don’t Let The Grinch Steal Your Identity!
Avoiding Scammers at The Holidays
When we think about theft, we often find ourselves picturing thieves stealing our belongings, much like the Grinch did to the poor residents of Whooville. However, The Grinch had nothing on the sophisticated thieves around today. These new scammers employ advanced tactics to obtain access to your personal information and credit. Their ploys can spell disaster for you and your family should you fall victim to one of their schemes.
“Spoofing," or "phishing," frauds attempt to make internet users believe that they are receiving e-mail from a specific, trusted source or that they are connected to a trusted web site, when that is not the case. For example, you may receive an email that prompts you to shop at your favorite online store for holiday gifts… only to find out that the link is not to the “real” store at all, but to a “spoof” site instead. The phonies will never send your purchase, but instead steal your credit card information and possibly your entire identity.
Many scammers’ websites and emails may look to be authentic. Here is some sound advice to follow in order to protect yourself from becoming a victim:
If it sounds too good to be true... it most likely is. Don’t be afraid to question the offer or the instructions.
If you encounter an unsolicited e-mail that asks you either directly, or through a website, for personal financial or identity information, exercise extreme caution.
If a website address is unfamiliar, it's likely that it is not real. Only use the website addresses that you have used before. Spoof sites usually have an excessively long strong of characters in the header, with the legitimate business name somewhere in the string, or possibly not at all.
Most companies require you to log in to a secure site before you provide financial information.
Most importantly, if you have doubts about an email or website’s legitimacy, contact the company directly by phone. Odds are good that you will find you just avoided a scam.
To find out more about internet threats, we invite you to visit www.ic3.gov, where you can learn about the latest scams or file a complaint about a scammer. We also encourage you to check your free credit reports on occasion to make sure that
When we think about theft, we often find ourselves picturing thieves stealing our belongings, much like the Grinch did to the poor residents of Whooville. However, The Grinch had nothing on the sophisticated thieves around today. These new scammers employ advanced tactics to obtain access to your personal information and credit. Their ploys can spell disaster for you and your family should you fall victim to one of their schemes.
“Spoofing," or "phishing," frauds attempt to make internet users believe that they are receiving e-mail from a specific, trusted source or that they are connected to a trusted web site, when that is not the case. For example, you may receive an email that prompts you to shop at your favorite online store for holiday gifts… only to find out that the link is not to the “real” store at all, but to a “spoof” site instead. The phonies will never send your purchase, but instead steal your credit card information and possibly your entire identity.
Many scammers’ websites and emails may look to be authentic. Here is some sound advice to follow in order to protect yourself from becoming a victim:
If it sounds too good to be true... it most likely is. Don’t be afraid to question the offer or the instructions.
If you encounter an unsolicited e-mail that asks you either directly, or through a website, for personal financial or identity information, exercise extreme caution.
If a website address is unfamiliar, it's likely that it is not real. Only use the website addresses that you have used before. Spoof sites usually have an excessively long strong of characters in the header, with the legitimate business name somewhere in the string, or possibly not at all.
Most companies require you to log in to a secure site before you provide financial information.
Most importantly, if you have doubts about an email or website’s legitimacy, contact the company directly by phone. Odds are good that you will find you just avoided a scam.
To find out more about internet threats, we invite you to visit www.ic3.gov, where you can learn about the latest scams or file a complaint about a scammer. We also encourage you to check your free credit reports on occasion to make sure that
Tuesday, October 19, 2010
Blogging (Or Bogging?) Down Your Business
Today, the number of blogs and social media sites on the web is at an all-time high. I visit and read many of them myself, including the ones developed by the insurance companies we represent. While many businesses can use these social media outlets to their advantage (for example, to announce sales or to promote one’s services) there is also the risk of employees misrepresenting your business.
Employees who blog or post comments on behalf of your company are representing your company. If done improperly, posts can damage a business’s reputation, cause harassment or copyright infringement claims, or perhaps disclose confidential information. Employers may be liable for any activities on business blogs, websites, and social media sites posted by employees they hire to do this work.
I suggest that you lay out specific ground rules about your business blogging. Discuss any article or media ideas before they go live on the web, and strictly enforce your policies on disclosing information to the public.
Employees who blog or post comments on behalf of your company are representing your company. If done improperly, posts can damage a business’s reputation, cause harassment or copyright infringement claims, or perhaps disclose confidential information. Employers may be liable for any activities on business blogs, websites, and social media sites posted by employees they hire to do this work.
I suggest that you lay out specific ground rules about your business blogging. Discuss any article or media ideas before they go live on the web, and strictly enforce your policies on disclosing information to the public.
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