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www.coreykaster.com
Sunday, May 31, 2009
Saturday, May 30, 2009
Friday, May 29, 2009
Thursday, May 28, 2009
WOW! Farmers just opened eligibility for Self Storage Facilities. We can now write the insurance for the business. Bring 'em on!
Date: May 22, 2009
No: 09-0412
Co: Business Insurance
Service Operations: All
States: All
To: Agents and district managers
Subject: Eligibility for public self-storage facilities
Effective: Immediately
Synopsis: We’re expanding eligibility for Commercial Real Estate BOPs to include public self-storage facilities.
Background: As part of our continuing efforts to grow Commercial Real Estate BOP, we’re expanding the underwriting eligibility guidelines to include public self-storage facilities. This is yet another Commercial marketing opportunity than can help your agency grow profitably.
• Any open-lot storage should be minimal (generating less than 10 percent of revenues).
• The facility may be no more than two stories high.
• Cold-storage facilities are ineligible.
• Facilities storing industrial materials, chemicals, pollutants and waste are ineligible.
• Outdoor storage of motorized vehicles of any type — including campers and recreational vehicles — is ineligible.
• The facility must comply with state laws on self-storage.
• The customer should secure hold harmless agreements from tenants.
• Tenants must be responsible for insuring their own personal property.
Wednesday, May 27, 2009
Monday, May 25, 2009
Sunday, May 24, 2009
Saturday, May 23, 2009
Friday, May 22, 2009
Wow... HSBC must be hurting. Just adjusted my available credit down to $1,000. Good thing I don't use their card, lol. msg here
As always, we appreciate your business and want to notify you of any changes that affect your Account. Due to the current economic environment, we have completed thorough reviews of our accounts and based on your Account history and other credit data, we have made the difficult decision to decrease the credit limit on your Account to $1000.
We are sending you a letter that will contain the reasons we are taking this action.
If you have any questions, please contact one of our experienced Customer Service representatives at 1-800-477-6000.
Sincerely,
HSBC Credit Card
Thursday, May 21, 2009
Business Buzz - The reasons for EPLI just got a presidential boost. Do you know Lilly Ledbetter? Maybe you should.
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Wednesday, May 20, 2009
Tuesday, May 19, 2009
Monday, May 18, 2009
Saturday, May 16, 2009
Friday, May 15, 2009
Thursday, May 14, 2009
The Whuffie Factor is a breakthrough book, providing a map to successful online communities. Discussion next Friday.
The Whuffie Factor: Reading & Discussion by Tara Hunt
by souk
Event Date: 05/22/2009 07:00 PM
Event Location: souk, 322 nw 6th ave, ste 200
Top of Form
Bottom of Form
The Whuffie Factor is a breakthrough book, providing a map to successful online communities. Tara Hunt, a.k.a. @missrogue, writes that money isn't the capital of choice in online communities, it is Whuffie - social capital - and how to raise it is the heart of this book.
In the Web 2.0 world, market capital flows from having high social capital. Without Whuffie you lose your connections and any recommendation you make will be seen as spam, met with negative reactions and a loss of social capital. As Tara Hunt has found, online success comes from building a community and being part of it - not by pushing a product or service. If you want to learn the secret sauce behind Facebook, Twitter, or YouTube, you have to use them until you love them.
Hunt will lead a discussion on the power of Whuffie in a reception at souk Friday, May 22nd from 7 - 9 PM. The event is free though registration is encouraged.
Important- Read to keep your local store here! Share. The 350 Project
Monday, May 11, 2009
Jury Duty Scam - ID Theft... to learn how to prevent/protect against stuff like this visit www.farmersidentityshield.com
> Subject: Jury Duty Scam DO NOT DELETE WITHOUT READING !
> Important!
>
>
> This has been verified by the FBI (their link is also
> included below). Please pass this on to everyone in your
> email address book. It is spreading fast so be prepared
> should you get this call. Most of us take those summonses
> for jury duty seriously, but enough people skip out on their
> civic duty, that a new and ominous kind of fraud has
> surfaced.
>
> The caller claims to be a jury coordinator. If you protest
> that you never received a summons for jury duty, the scammer
> asks you for your Social Security number and date of birth
> so he or she can verify the information and cancel the
> arrest warrant. Give out any of this information and bingo;
> your identity was just stolen.
>
> The fraud has been reported so far in 11 states, including
> Oklahoma , Illinois , and Colorado . This (swindle) is
> particularly insidious because they use intimidation over
> the phone to try to bully people into giving information by
> pretending they are with the court system. The FBI and the
> federal court system have issued nationwide alerts on their
> web sites, warning consumers about the fraud.
>
> Check it out here:
> http://www.fbi.gov/page2/june06/jury_scams060206.htm
>
> And here: http://www.snopes.com/crime/fraud/juryduty.asp
>
Brunch/Moving Party this Sunday. Who wants free breakfast???? RSVP
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More insurance rate increases - Liberty Mutual, Liberty Northwest, Oregon Automobile Insurance Co.... details
Liberty Northwest Insurance Corporation, member of Liberty Mutual Group,
has filed a rate increase for their Private Passenger Auto program in
Oregon with an effective date of May 11, 2009 for new and June 26, 2009
for renewal business. They are adjusting base unities for Bodily Injury,
Property Damage, Personal Injury Protection, Uninsured/Underinsured
Motorist Bodily Injury and Collision coverages, to reflect their Oregon
loss experience. The changes in the filing will have an overall rate level
impact of 9.1% increase.
Liberty Mutual Group has a 2.9% market share and is the eleventh largest
carrier in Oregon.
Liberty Mutual Insurance Companies have revised rates and rules applicable
to their Homeowners Program in Oregon. The effective date is April 13, 2009
for new and May 19, 2009 for renewal business. Impact of the changes by
company is:
North Pacific Insurance Company: 15.0% or about 1,090,645 in
annual premium
Oregon Automobile Insurance Company: 28.75% or about 254,049 in annual
premium
Liberty Mutual Group has 10.1% market share. North Pacific Insurance
Company has 1.4% of the share and Oregon Automobile Insurance Company has
0.2%.
Sunday, May 10, 2009
Saturday, May 09, 2009
An invitation. . . to live in N Portland w/us! Great Piedmont location near Peninsula Park.
Hi!
We are looking for an awesome roommate to round out our community (open to couples). We’re committed to creating a compassionate space in which we can all grow and live well. We look forward to making dinner with you, hearing about your day, and chatting about who’s going to clean the bathroom next.
Please consider our offer. We’re extending it personally to a couple people first, because we want this to be a great living situation, so if you'd like to feel it out, but have concerns, just ask! Feel free to request a house tour.
Below you’ll find a description:
Room for Rent in desirable NE Portland/Piedmont area. NE Michigan & Rosa Parks Way cross streets. Available June 1st - 13.5’ x 19’ Room for Rent – lots of closet space and big windows - $500, Plus utilities. 1st month’s rent and last month’s rent with fully refundable deposit of $250 due at lease signing ($1250).
Great indoor shared spaces: dining room and kitchen, living room w/fireplace, washer/dryer, & bathroom. No smoking inside the house.
Like to sit in the sun? Enjoy a private garden area with beautiful rose bushes, or get your hands dirty in our vegetable garden.
Bike rider? Take a short bike ride to Fresh Pot Coffeehouse on Mississippi or check out the Common Grounds Wellness Coop on Alberta. Or go to college: we’re near U. of P. (2.3 mi), Concordia University (2.6 mi), and PCC Cascade (.7 mi).
Near Bus Lines: #4 & #44, which run between St John’s and Downtown, and #6, which runs through Lombard and down NE 42nd and SE 39th.
Want to take a walk? Enjoy the original Portland Rose Garden at Peninsula Park with Tennis courts & swimming pool; or pickup some groceries at the Arbor Lodge New Seasons; or hop a ride on the Max into town if the weather is funky. AJ Java is right around the corner as well.
Looking for an easygoing, but responsible, roommate who likes a nice, relaxing place to return to at the end of the day.
Your Housemates:
Matt: 503-415-9533
Matt currently works in higher education and is into yoga, meditation, gardening, cooking, random , biking to nowhere, and reading about how to fix the things that he breaks. Hopefully, this will come in handy.
Corey: 503-799-8838
Corey currently runs a Farmers Insurance Agency located on Mississippi Ave. and enjoys anything active and outdoors - camping, hiking, mountain biking, boating, snowboarding as well as some things indoors - working out, reading, and now working on home projects. :-)
Friday, May 08, 2009
Bright Spot in Downturn: New Hiring is Robust
Bright Spot in Downturn: New Hiring is Robust
by Steven Greenhouse
Wednesday, May 6, 2009
Wednesday, May 6, 2009
provided by
Everyone knows the grim news — unemployment in the United States has jumped to 8.5 percent, a 25-year high, and is racing toward double digits. Since November, the nation has lost more than three million jobs.
But not everyone knows the brighter side to the equation: deep in the maw of the deepest recession since the Great Depression, millions are still being hired.
So, while 4.8 million workers were laid off or chose to leave their jobs in February, employers across the country hired 4.3 million workers that month, according to the Bureau of Labor Statistics.
| More from NYTimes.com: • As Investors Circle Ailing Banks, Fed Sets Limits • Worries on the Size of U.S. Debt • How Lehman Got Its Real Estate Fix |
“The best thing you can say about these numbers is it speaks to the dynamism of the U.S. economy, and the net negative number that we all traffic in masks that,” said Robert J. Barbera, chief economist at ITG, a research and trading firm. “Ninety out of 100 people who know the number — 650,000 were lost in February — think that means no one was hired and 650,000 were fired.”
In February — before the economy started to show the first faint signs of a possible recovery — there were three million job openings nationwide. And despite large new job losses likely to be announced Friday, there are still millions of job openings.
Who is hiring? Hospitals, colleges, discount stores, restaurants and municipal public works departments. I.B.M. is hiring more than 700 people for its new technical services center in Dubuque, Iowa, while the Cleveland Clinic has 500 job openings, not just for nurses but also for pharmacy aides and physical therapists. And after President Obama’s stimulus package kicks into gear, state, local governments and road-building contractors are expected to hire more.
Zachary Schaefer has hired 72 people since February for the Culver’s hamburger and frozen custard restaurant that he and several partners just opened in Surprise, Ariz.
“The amount of applicants who are qualified is definitely up,” he said. “Whereas before we were counting on a lot of high school applicants, now there are a lot more middle-age people applying.”
| More from Yahoo! Finance: • 8 CEOs on the Hot Seat • Your Investing Personality: In Your DNA? • What Billionaires Have in Common -- Besides Riches |
Eddie Hamm, a former construction worker, was unemployed for five months when he drove by the site where the Culver’s was under construction. Mr. Hamm, 29, applied for a job there, and now he’s a “fry guy.”
“I’m just happy I got hired — I didn’t want to stay home, not doing anything,” he said, hardly complaining that he is earning half the $15 an hour he made in construction. “I don’t look at it like I’m making $7.50. I look at it — I’m having a job in a down time, and it’s a job where I can move up.”
Economists and job counselors advise the unemployed that there are definitely jobs to be had, even if there aren’t nearly enough to go around. With 13.2 million people out of work, there are 4 1/3 unemployed Americans for every job opening. “You’re facing more competition for every job you apply for, but the reality is there is a lot of hiring going on,” said Andrew M. Sum, director of the Center for Labor Market Studies at Northeastern University. “You’re never going to find anything unless you apply.”
Even industries that have taken a beating are doing plenty of hiring. According to the Bureau of Labor Statistics, construction companies hired 366,000 workers in February, and manufacturers hired 249,000. Retailers hired 536,000 workers in February, but that was down 25 percent from the previous February.
Some job openings are to replace retirees, some to replace employees who left for other jobs, but many openings result from expansion. Companies that are still growing are blessed with talented applicants.
“It’s easier to hire in a recession — we have about five applications for every position,” said Howard Glickberg, principal owner of Fairway Market, the well-known grocery company based in Manhattan.
Fairway just hired 350 people for its month-old store in Paramus, N.J., the first Fairway outside of New York State. The company plans to add 1,200 more workers over the next two years by opening stores in Queens; Pelham Manor, N.Y.; and Stamford, Conn.
“What you have to be afraid of is hiring someone who can’t find something better at the time, and when they find something better they leave you,” Mr. Glickberg said. “I want to hire someone who will make a career of it.”
The nation’s largest private-sector employer, Wal-Mart Stores, is also hiring aplenty. Wal-Mart, with 1.4 million workers nationwide, hires several hundred thousand workers each year because of employee turnover, and expects to increase its domestic work force by nearly 50,000 this year, thanks to plans to open 150 new stores.
Shawnalyn Conner is running a hiring center for a Wal-Mart store that will open on June 17 in Weaverville, N.C., near Asheville. She plans to hire 350 workers.
“The biggest comment that we get from people is that they’re looking for a company that’s growing, and Wal-Mart offers that,” said Ms. Conner, who, as the top manager of the new store, has hired 77 people so far. Gisel Ruiz, senior vice president for the people division of Wal-Mart U.S., said the company had a hiring program for former junior military officers, often for jobs as assistant store managers. With many veterans having a hard time landing jobs, Wal-Mart hired 150 former officers last year.
The health care industry has held its own in hiring. The University of Miami medical school, which runs three hospitals, has 250 openings and is hiring about 35 people a month, compared with 100 a month in good times. Cleveland Clinic has 500 job openings, compared with 2,000 during better times.
“We have a hiring freeze on, but even when there’s a hiring freeze, we need to maintain our head count,” said Joe Patrnchak , Cleveland Clinic’s chief human resources officer. “We have 40,000 people, and you’re going to have some openings.”
He is encountering an unusual snag in hiring people. “A challenge we have now is people from other areas are having problems selling their homes,” Mr. Patrnchak said. “People aren’t quite as mobile nowadays.”
The University of Miami medical school is also facing an unexpected problem. “There’s a flood of applicants, but even so, it’s harder to find really good, experienced people,” said Paul Hudgins, its associate vice president for medical human resources. “We’re seeing people hunkering down and saying they’re going to stay where they are.”
The recession has encouraged people to cling to their jobs. Just 1.5 percent of workers voluntarily quit their jobs in February, the lowest level since the Bureau of Labor Statistics began collecting those numbers eight years ago.
Like many educational institutions, Washington University in St. Louis continues to hire. It has 175 job openings in admissions, residential life and other areas. There is a flood of job applicants, and Ann Prenatt, vice chancellor for human resources, said that has pros and cons, the advantage being that the university does not have to offer large premiums as often to draw coveted applicants.
Thursday, May 07, 2009
The average total return for the S&P 500 over the last 25 years (i.e.,1984-2008) is +9.8% per year......
If you missed the 25 best percentage gains days in those 25 years (i.e., 25 days in total, not 25 days each year), your average total return falls to +3.9% per year
Source: BTN Research
Wednesday, May 06, 2009
FT Position for spanish speaking person licensed in insurance... details in post.
FWD:
Hey there!
We are an agency here in Vancouver and are in need of an agent who speaks Spanish.
If you know of anybody that has their Auto Only license or P&C license, and (important!) speaks Spanish… send me an email! angela@schraderandmurphyinsurance.com . This will be a full time position.
Check us out on Myspace or online at www.schraderandmurphyinsurance.com .
Thanks!
Angela
Tuesday, May 05, 2009
Monday, May 04, 2009
Sunday, May 03, 2009
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