The Shults Agency Newsletters Insurance Monthly headlines en-us Copyright 2007 Liberty Publishing. All rights reserved. http://www.shultsagency.com 60 Wed, 14 Jul 2010 15:16:46 PST Wed, 14 Jul 2010 15:16:46 PST sfl Copy Machines A Prime Identity Theft Target It is hard to believe that the copy machine just recently celebrated its 50th birthday. Theres no question that these popular technological devices have proven to be worth their weight in gold for countless consumers and businesses. Down To Business http://www.siteforless.com/newsletters/?QID=114&tokenID=743c185a042eba8da5fbda2d1ff48b10610 http://www.siteforless.com/newsletters/?QID=114&tokenID=743c185a042eba8da5fbda2d1ff48b10610 Wed, 14 Jul 2010 15:16:46 PST Is a Workers Compensation Deductible Plan Right for Your Business? Insurance deductibles are a common feature for property coverages such as comprehensive and collision coverage on an auto or coverage on a building or personal property. Down To Business http://www.siteforless.com/newsletters/?QID=114&tokenID=743c185a042eba8da5fbda2d1ff48b10610 http://www.siteforless.com/newsletters/?QID=114&tokenID=743c185a042eba8da5fbda2d1ff48b10610 Wed, 14 Jul 2010 15:16:46 PST Laying Off Employees? Manage Your Lawsuit Risk One of the most difficult aspects of running a business is the hiring and firing of employees. In particular, firing or terminating an employee can be a complex issue regardless of the circumstances involved. Down To Business http://www.siteforless.com/newsletters/?QID=114&tokenID=743c185a042eba8da5fbda2d1ff48b10610 http://www.siteforless.com/newsletters/?QID=114&tokenID=743c185a042eba8da5fbda2d1ff48b10610 Wed, 14 Jul 2010 15:16:46 PST Renters Insurance A Small Investment for a Potentially Large Benefit If you are currently renting a house or apartment, you should strongly consider an investment in renters insurance. No one likes to think about the possibility of a fire or a burglary, but these are real possibilities. Personal Protection http://www.siteforless.com/newsletters/?QID=115&tokenID=a1f0928db793f96c762bc62909be823c610 http://www.siteforless.com/newsletters/?QID=115&tokenID=a1f0928db793f96c762bc62909be823c610 Wed, 14 Jul 2010 15:16:46 PST Teens Drinking At Parties Insurance Issues Every spring brings with it the prom and graduation party seasons. Unfortunately, these events often become occasions for teens to drink alcohol. Personal Protection http://www.siteforless.com/newsletters/?QID=115&tokenID=a1f0928db793f96c762bc62909be823c610 http://www.siteforless.com/newsletters/?QID=115&tokenID=a1f0928db793f96c762bc62909be823c610 Wed, 14 Jul 2010 15:16:46 PST There Are Good Reasons Why Your Insurance Doesnt Cover That Loss Every insurance policy has a section popularly known as the fine print, though its actual title is Exclusions. Personal Protection http://www.siteforless.com/newsletters/?QID=115&tokenID=a1f0928db793f96c762bc62909be823c610 http://www.siteforless.com/newsletters/?QID=115&tokenID=a1f0928db793f96c762bc62909be823c610 Wed, 14 Jul 2010 15:16:46 PST Prosperity May Be Closer Than You Think Why is it that over time, the rich seem to get richer? Some people believe that wealthy and successful people actually attract prosperity because they are open to it and believe it will be theirs. Life & Employment http://www.siteforless.com/newsletters/?QID=132&tokenID=f21a6c04cc9123adc2d2de7adcb0a518610 http://www.siteforless.com/newsletters/?QID=132&tokenID=f21a6c04cc9123adc2d2de7adcb0a518610 Wed, 14 Jul 2010 15:16:46 PST Whole Life Insurance that Lasts a Lifetime In 2008, some 68 million Americans did not have life insurance, according to the Life and Health Insurance Foundation for Education. Life & Employment http://www.siteforless.com/newsletters/?QID=132&tokenID=f21a6c04cc9123adc2d2de7adcb0a518610 http://www.siteforless.com/newsletters/?QID=132&tokenID=f21a6c04cc9123adc2d2de7adcb0a518610 Wed, 14 Jul 2010 15:16:46 PST Why You Must Evaluate Your Life Insurance Policy Before Retirement Having sufficient insurance coverage is essential for every familys financial security. Most people know that they must have a life insurance plan that can help provide for their family in the unfortunate event that the policyholder dies. Life & Employment http://www.siteforless.com/newsletters/?QID=132&tokenID=f21a6c04cc9123adc2d2de7adcb0a518610 http://www.siteforless.com/newsletters/?QID=132&tokenID=f21a6c04cc9123adc2d2de7adcb0a518610 Wed, 14 Jul 2010 15:16:46 PST Building Your Childs Financial Character Of all the gifts you give your child, the ability to understand and handle money is probably the most valuable. The tools and lessons you give them to create a solid financial foundation will help them throughout their entire life. Financial Planning http://www.siteforless.com/newsletters/?QID=133&tokenID=9dcf937b2e9aac79a2283713f8e7433a610 http://www.siteforless.com/newsletters/?QID=133&tokenID=9dcf937b2e9aac79a2283713f8e7433a610 Wed, 14 Jul 2010 15:16:46 PST Six-Figure Income You Still Need a Budget If you are earning a six-figure income, you may be thinking that you do not need a budget. Financial Planning http://www.siteforless.com/newsletters/?QID=133&tokenID=9dcf937b2e9aac79a2283713f8e7433a610 http://www.siteforless.com/newsletters/?QID=133&tokenID=9dcf937b2e9aac79a2283713f8e7433a610 Wed, 14 Jul 2010 15:16:46 PST Turn Around Unhealthy Thinking and Habits Regarding Money During the course of a lifetime, many of us pick up some unhealthy attitudes and thinking regarding money. Financial Planning http://www.siteforless.com/newsletters/?QID=133&tokenID=9dcf937b2e9aac79a2283713f8e7433a610 http://www.siteforless.com/newsletters/?QID=133&tokenID=9dcf937b2e9aac79a2283713f8e7433a610 Wed, 14 Jul 2010 15:16:46 PST A Look at Healthcare Reforms Impact on Employers On March 23, 2010, President Obama signed into law the Patient Protection and Affordable Care Act. Along with the Health Care and Education Reconciliation Act of 2010, this legislation will make significant changes to our current health care system. Employee Benefits http://www.siteforless.com/newsletters/?QID=201&tokenID=974ef23c3a01081de761e52d10869c2a610 http://www.siteforless.com/newsletters/?QID=201&tokenID=974ef23c3a01081de761e52d10869c2a610 Wed, 14 Jul 2010 15:16:46 PST Communications Can Help Employees See the Value of Vision Benefits Though surveys frequently show vision benefits as a type of coverage that employees say they would be very interested in, participation in vision plans frequently falls short of expectations. Employee Benefits http://www.siteforless.com/newsletters/?QID=201&tokenID=974ef23c3a01081de761e52d10869c2a610 http://www.siteforless.com/newsletters/?QID=201&tokenID=974ef23c3a01081de761e52d10869c2a610 Wed, 14 Jul 2010 15:16:46 PST Help Your Employees Protect Their Greatest Asset with Disability Insurance Most people consider their home to be their greatest asset. However, for nearly everyone, their most valuable asset is actually their ability to work and earn a living. Employee Benefits http://www.siteforless.com/newsletters/?QID=201&tokenID=974ef23c3a01081de761e52d10869c2a610 http://www.siteforless.com/newsletters/?QID=201&tokenID=974ef23c3a01081de761e52d10869c2a610 Wed, 14 Jul 2010 15:16:46 PST CDs vs Annuities Where Should You Invest Your Money If you are quickly approaching retirement, you are probably asking yourself an all too common question should I invest in a bank CD or an annuity? Seniors http://www.siteforless.com/newsletters/?QID=222&tokenID=33ed2444a9b47c7f965d0c7b03825198610 http://www.siteforless.com/newsletters/?QID=222&tokenID=33ed2444a9b47c7f965d0c7b03825198610 Wed, 14 Jul 2010 15:16:46 PST What to Expect with New Medicare Supplement Changes With the Medicare Prescription Drug Improvement and Modernization Act of 2003 taking effect June 2010, Medicare supplement plans will undergo several major changes. Seniors http://www.siteforless.com/newsletters/?QID=222&tokenID=33ed2444a9b47c7f965d0c7b03825198610 http://www.siteforless.com/newsletters/?QID=222&tokenID=33ed2444a9b47c7f965d0c7b03825198610 Wed, 14 Jul 2010 15:16:46 PST Why LTC Planning Is Essential for Boomers As millions of baby boomers in the United States rapidly approach old age, experts predict the number of long-term care patients will double over the next 30 years. Seniors http://www.siteforless.com/newsletters/?QID=222&tokenID=33ed2444a9b47c7f965d0c7b03825198610 http://www.siteforless.com/newsletters/?QID=222&tokenID=33ed2444a9b47c7f965d0c7b03825198610 Wed, 14 Jul 2010 15:16:46 PST Pay Attention When Behind the Wheel Over the course of decades the purpose for which we use automobiles has changed considerably. When the first cars were rolling off of the assembly lines in the 1920s Workplace Safety http://www.siteforless.com/newsletters/?QID=223&tokenID=e35ad02c11cdadb58290b3688de93074610 http://www.siteforless.com/newsletters/?QID=223&tokenID=e35ad02c11cdadb58290b3688de93074610 Wed, 14 Jul 2010 15:16:46 PST Practice Safe Driving On Rain Soaked Roads As a truck driver there are many things you can control. You can control your steering and where you stop for the night. One thing that is out of your hands is the weather. Workplace Safety http://www.siteforless.com/newsletters/?QID=223&tokenID=e35ad02c11cdadb58290b3688de93074610 http://www.siteforless.com/newsletters/?QID=223&tokenID=e35ad02c11cdadb58290b3688de93074610 Wed, 14 Jul 2010 15:16:46 PST See the Difference Eye Protection Makes A recent American Academy of Ophthalmology study on workplace safety found that around 2000 employees suffer on the job eye injuries each day. Workplace Safety http://www.siteforless.com/newsletters/?QID=223&tokenID=e35ad02c11cdadb58290b3688de93074610 http://www.siteforless.com/newsletters/?QID=223&tokenID=e35ad02c11cdadb58290b3688de93074610 Wed, 14 Jul 2010 15:16:46 PST Implement a Substance Abuse Program to Reduce Workplace Injuries According to statistics from the United States Department of Labor, forty percent of industrial fatalities and forty-seven percent of individual injuries received on the job are due to intoxication from alcohol. Construction http://www.siteforless.com/newsletters/?QID=266&tokenID=3b635df6d63c8ed69eccaf2cd5980c92610 http://www.siteforless.com/newsletters/?QID=266&tokenID=3b635df6d63c8ed69eccaf2cd5980c92610 Wed, 14 Jul 2010 15:16:46 PST Oil and Water Dont Mix: Does Your Business Need Pollution Coverage? In April 2010, an oil drilling rig owned and operated by Transocean Ltd. exploded and sank in the Gulf of Mexico. Construction http://www.siteforless.com/newsletters/?QID=266&tokenID=3b635df6d63c8ed69eccaf2cd5980c92610 http://www.siteforless.com/newsletters/?QID=266&tokenID=3b635df6d63c8ed69eccaf2cd5980c92610 Wed, 14 Jul 2010 15:16:46 PST What Did You Expect? Insurance Might Not Cover Your Liability for Someone Elses Injury Two work crews building a new home are taking a break. One of the employees of the plumbing contractor and a carpenter get into a little verbal sparring. Construction http://www.siteforless.com/newsletters/?QID=266&tokenID=3b635df6d63c8ed69eccaf2cd5980c92610 http://www.siteforless.com/newsletters/?QID=266&tokenID=3b635df6d63c8ed69eccaf2cd5980c92610 Wed, 14 Jul 2010 15:16:46 PST Appearances Matter When Selling Your Home Visual merchandising is a marketing technique retailers have been using since the advent of the big box store. Inside Real Estate http://www.siteforless.com/newsletters/?QID=315&tokenID=8585ffb9b43ebca0f04b26e308ed94fb610 http://www.siteforless.com/newsletters/?QID=315&tokenID=8585ffb9b43ebca0f04b26e308ed94fb610 Wed, 14 Jul 2010 15:16:46 PST Over Pricing Your Home Creates Pitfalls in the Sales Process Putting your home on the market is always an emotional decision. Whether you spent hours on remodeling, or raised your children in it, your home is your special place. Inside Real Estate http://www.siteforless.com/newsletters/?QID=315&tokenID=8585ffb9b43ebca0f04b26e308ed94fb610 http://www.siteforless.com/newsletters/?QID=315&tokenID=8585ffb9b43ebca0f04b26e308ed94fb610 Wed, 14 Jul 2010 15:16:46 PST What Attributes Attract Prospective Home Buyers? Whether the real estate market is booming or just barely moving, home sellers are always trying to determine what features are most attractive to potential buyers. Inside Real Estate http://www.siteforless.com/newsletters/?QID=315&tokenID=8585ffb9b43ebca0f04b26e308ed94fb610 http://www.siteforless.com/newsletters/?QID=315&tokenID=8585ffb9b43ebca0f04b26e308ed94fb610 Wed, 14 Jul 2010 15:16:46 PST