tag:blogger.com,1999:blog-11369912108098085242024-02-18T19:48:02.790-08:00Horizon IncomeA full service insurance agency specializing in Personal, Commercial and Life insurance.Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.comBlogger34125tag:blogger.com,1999:blog-1136991210809808524.post-88752452436434761002012-03-21T14:29:00.000-07:002012-03-21T14:29:37.652-07:00March 20-26 National Poison Prevention Week<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
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<tr><td class="tr-caption" style="text-align: center;">Most poisons occur in the home.</td></tr>
</tbody></table> <br />
March 20-26 marks National Poison Prevention Week. Have you taken storage precautions for potentially poisonous substances like medicine, cleaners and other household chemicals?<br />
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Did you know that the majority of all poison exposures reported to the American Association of Poison Control Centers happen in the caller’s own home?<br />
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Three most common substances involved in poison exposures: Painkillers, cosmetics or personal care products, and cleaners.<br />
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Household poison prevention: store medicine and household chemicals in locked or secure location, out of reach of children.<br />
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Child-resistant packaging does not mean an item is child-proof, so store these items safely out of reach.<br />
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Should problems arise, involving household poisons, have your Poison Control Center’s phone number programmed into all family phones. <br />
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<a href="http://horizonincome.com/personal+auto.html">http://horizonincome.com/personal+auto.html</a>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-80901059095010352642012-03-20T14:35:00.000-07:002012-03-20T14:35:39.257-07:00Spring Home Maintenance to Keep Your Insurance Costs Down<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRkyRbH3smHqMDNOG3HJ2HgRQIEmL4XlOJ2xgcyggXsez1j5loReLsY8JSQlInYKs51Y4h8n2ZE8FalH91chywDufaJy3Akn1QFImCsYKQoUR-T-BcCFfloBV27dHRKdNS8h2_RSTPza8f/s1600/cleaning+supplies.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="163" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRkyRbH3smHqMDNOG3HJ2HgRQIEmL4XlOJ2xgcyggXsez1j5loReLsY8JSQlInYKs51Y4h8n2ZE8FalH91chywDufaJy3Akn1QFImCsYKQoUR-T-BcCFfloBV27dHRKdNS8h2_RSTPza8f/s200/cleaning+supplies.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Spring maintenance saves money.</td></tr>
</tbody></table> Routine home maintenance can save you a lot of time and money in the long run. Here's six important tasks you should tackle each spring to help ensure a relaxing summer season.<br />
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Spring Maintenance Task 1: Inspect your roof surface for warping, moss and cracking, making sure shingles, shakes or tiles are sound. Remember the flashing around chimneys, skylights and vents. Seal all cracks and openings, and make repairs as needed.<br />
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Spring Maintenance Task 2: Check the condition of your gutters and downspouts. Make sure they are clear of debris and slope in the right direction to keep water flowing away from your foundation.<br />
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Spring Maintenance Task 3: Examine siding for evidence of deterioration including cracks, splintering, decay and insect damage. Clean, treat and repair as necessary.<br />
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Spring Maintenance Task 4: Try out your air conditioning system. Remember to change furnace filters and be sure there’s no foliage growing up against your outside units.<br />
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Spring Maintenance Task 5: Clean up fallen limbs, branches and other debris to discourage infestation by wood-eating insects.<br />
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Spring Maintenance Task 6: Repair and seal wooden decks. Refasten loose boards and replace those that are damaged or badly cracked. Then use a deck cleaner, pressure washer or both to remove dirt and grime from the surface. Once dry, apply a sealer.<br />
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Follow these tips for a safer, healthier home, while keeping your insurance premiums lower.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBNjsG_sPcOMg8VNE2WGN7AYoj2kW9fFkOUEJGn9r83wNKrEEKY6C09RHCtakvq5mL-bC4a-9j0nMSYQ87c0VX2xLHRBdOHjlkORQ9Ewb-PwA7MwModveb4G1yuRQKn4YClaWmiP8S-5ds/s1600/cold+house.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="139" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBNjsG_sPcOMg8VNE2WGN7AYoj2kW9fFkOUEJGn9r83wNKrEEKY6C09RHCtakvq5mL-bC4a-9j0nMSYQ87c0VX2xLHRBdOHjlkORQ9Ewb-PwA7MwModveb4G1yuRQKn4YClaWmiP8S-5ds/s200/cold+house.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Save money on your heating bill.</td></tr>
</tbody></table> <a href="http://www.horizonincome.com/" target="_blank">Horizon Insurance</a> wants to help you save money. Follow these 10 tips to help you reduce utility costs during the cold season.<br />
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Home Savings Tip 1: Lower the thermostat on your water heater, use cold settings for laundry and run shorter dishwasher cycles. You'll save 3% to 5% in energy costs for every ten degrees you reduce your water temperature.<br />
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Home Savings Tip 2: Keep drafts at bay by placing plastic around all your windows and towels or draft stoppers at the bottom of each outside door. Also check electrical outlets and switch-plates for cold air leaks and cover any with inexpensive foam sealing from your local hardware store.<br />
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Home Savings Tip 3: Insulate your hot water heater with a pre-cut jacket or blanket from your local hardware store. You'll reduce heat loss by 25% to 45% and save about 4% to 9% in water heating costs.<br />
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Home Savings Tip 4: Install a programmable thermostat in your home and set lower while you are asleep or away. The savings is as much as 1% for each lowered degree if the setback time is eight hours long.<br />
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Home Savings Tip 5: Have a professional tune your furnace annually to keep it clean, lubricated and properly adjusted. This will increase furnace life, reduce energy and save up to 5% on heating bills.<br />
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Home Savings Tip 6: Check if your ceiling fan comes with a switch that can reverse the direction of the blades. Rotating counterclockwise moves cooler air. Changing the rotation to clockwise will circulate warmer air pooled near the ceiling back down into your living area, cutting your heating costs.<br />
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Home Savings Tip 7: Hang insulated drapes to help keep warm air inside and frosty drafts out.<br />
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Home Savings Tip 8: Insulate water pipes using a quality wrap, taping strips of fiberglass insulation or pipe sleeves of polyethylene or neoprene foam. This can raise the water temperature 2 to 4 degrees more quickly, helping conserve water.<br />
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Home Savings Tip 9: Trim back any bushes or trees that block sunlight from your windows.<br />
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Home Savings Tip 10: Create a "warm room" by closing heating vents in unused areas. Just remember to allow enough heat in closed-off rooms to prevent pipes from freezing.<br />
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There it is. Follow these 10 steps and you'll be saving not only energy but a chunk of change on your energy bill. <br />
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Did you know <a href="http://www.horizonincome.com/" target="_blank">Horizon Income</a> can save you money on your insurance bill also? You have nothing to lose and everything to gain. Call 1(866) 479-2777 and we'll save you money today.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSN_gW8lqMLPmEPqZ7MDvZoJnVXB_W4sPi3cdXpKrRKitKPL29YlG99KNrdCvkUumSXfYTbWlWqW5cibAghCI5NTBjypq2JN9OPmAy5EzT5JS-SHEjfXiAcZXOoF5kf55bEqhwsnLTWyP-/s1600/water+droplet.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="123" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSN_gW8lqMLPmEPqZ7MDvZoJnVXB_W4sPi3cdXpKrRKitKPL29YlG99KNrdCvkUumSXfYTbWlWqW5cibAghCI5NTBjypq2JN9OPmAy5EzT5JS-SHEjfXiAcZXOoF5kf55bEqhwsnLTWyP-/s200/water+droplet.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Water seeping into a roof.</td></tr>
</tbody></table> With melting snow, ice and rain, transitioning from winter to spring is prime time for ceiling water damage to appear. How’s your ceiling looking?<br />
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If your ceiling water is stained, it’s likely a roof leak or a condensation problem. Want to know how to tell the difference? Condensation stains are usually found near exterior walls, often in corners. Look for smaller circles of stains of varying sizes with white centers. Rain leaks can appear anywhere on ceilings: near exterior walls, around ceiling fixtures even in the center of the ceiling. Rain leaks also tend to stain in concentric rings with the center being the darkest. Each “ring” is a separate leak occurrence.<br />
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Explore your options for fixing the leak and subsequent ceiling water damage. Depending on your insurance policy, the fix may be covered. <br />
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Horizon Insurance provides homeowners insurance for damage caused by water leaks. You can visit <a href="http://www.horizonincome.com/">www.horizonincome.com</a> for more information, or call 1(866)479-2777<br />
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<a href="http://horizonincome.com/renters+insurance.html">http://horizonincome.com/renters+insurance.html</a>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-72398700931835122002012-02-29T13:49:00.000-08:002012-02-29T13:49:38.514-08:00Leap Year 2012<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhE_ZQ7s51CN-nzru7DxuZygZNp2s0EBX4hnEG7HekvRrGdZLvoo0ABrj4LChE7uDh1Ev4fJNQYQwdb2NqBZiHkP5rrA1SPMIBz5oIN07GpZh8tc_oq5WB67wNoUD7KD4VRhFCw4m_Nm7TU/s1600/leap+year+day+1.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="177" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhE_ZQ7s51CN-nzru7DxuZygZNp2s0EBX4hnEG7HekvRrGdZLvoo0ABrj4LChE7uDh1Ev4fJNQYQwdb2NqBZiHkP5rrA1SPMIBz5oIN07GpZh8tc_oq5WB67wNoUD7KD4VRhFCw4m_Nm7TU/s200/leap+year+day+1.jpg" width="200" /></a>Happy Birthday to all the Leap Year babies out there! </div><br />
Today is Leap Day and here some interesting facts about this special day: Leap Day was introduced more than 2,000 years ago to keep the calendar year synchronized with the seasons. The Earth turns roughly 365-and-a-quarter times on its axis by the time it has completed a full year’s orbit around the sun. That means periodically the calendar has to catch up. A Leap Year contains one extra day — February 29 — for a total of 366 days. People born on this day day are called Leaplings or Leap Year Babies. <br />
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<strong>Notable Leap Day birthdays:</strong><br />
1468 – Pope Paul III (d. 1549)<br />
1904 – Jimmy Dorsey, American bandleader (d. 1957)<br />
1916 – Dinah Shore, American singer and actress (d. 1994)<br />
1920 – Howard Nemerov, U.S. poet and Pulitzer Prize for Poetry (d. 1991)<br />
1920 – Fyodor Abramov, Russian novelist (d. 1983)<br />
1956 – Aileen Wuornos, American serial killer (d. 2002)<br />
1960 – Tony Robbins, American motivational speaker<br />
1964 – Lyndon Byers, Canadian hockey player and Boston radio personality<br />
1972 – Antonio Sabàto, Jr., actor best-known for work on General Hospital<br />
1976 – Ja Rule, U.S. rapper<br />
1984 – Cam Ward, goalie with Carolina Hurricanes<br />
1984 – Mark Foster, of Foster the People<br />
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<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><div align="LEFT">Make Fire Prevention a Habit</div></span></span></span></b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"></span></span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5p4T6hcS0LV6AqOvTEYbERI0LgVONLnq1FVBQ4R2K3yd9jXls4rl0a7APyJ7IHY38HcNJJRAX9awbgf3g6RCDKEtFNaGA8yAi4d1-EfUzhMp6Tr7aWv1DIt7zlL0J_5ifHNkxq5p6wvHJ/s1600/house+fire+2.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5p4T6hcS0LV6AqOvTEYbERI0LgVONLnq1FVBQ4R2K3yd9jXls4rl0a7APyJ7IHY38HcNJJRAX9awbgf3g6RCDKEtFNaGA8yAi4d1-EfUzhMp6Tr7aWv1DIt7zlL0J_5ifHNkxq5p6wvHJ/s200/house+fire+2.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Make your home safe from fires.</td></tr>
</tbody></table><span style="font-size: small;"> The most important part of fire safety is prevention. The following tips will help you form fire-safe habits and </span><span style="font-size: small;">prevent fires in your home</span></div></span><div align="LEFT"></div></span><br />
<div align="LEFT"></div><div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Never plug multiple items into the same electrical outlet or circuit. If an electrical appliance smokes or </span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: small;">smells unusual, unplug it immediately and have it serviced.</span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: small;"></span></span></div><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: small;"></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><div align="LEFT"></div></span><br />
<div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Make sure light bulbs are the recommended wattage for all of your light fixtures.</span></span></div><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"> </span></span><span style="font-family: SymbolMT; font-size: x-small;"><span style="font-family: SymbolMT; font-size: x-small;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Keep baking soda near your stove to extinguish grease fires. Salt also works, but don’t use water, </span></span><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">which will spread the flame.</span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><span style="font-family: SymbolMT; font-size: x-small;"><span style="font-family: SymbolMT; font-size: x-small;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Keep your stove’s exhaust fan and range hood free of grease. Keep the cooking area free of </span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-size: small;">combustibles.</span></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><span style="font-family: SymbolMT; font-size: x-small;"><span style="font-family: SymbolMT; font-size: x-small;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Never leave cooking unattended. Turn pan handles inward so they don’t hang over the edge of </span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-size: small;">the stove.</span></span></span><br />
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<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Keep matches and lighters out of children’s reach. Teach children these are dangerous items to be used</span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: small;"></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: small;"><div align="LEFT">by adults only.</div></span></span><span style="font-family: SymbolMT; font-size: x-small;"><span style="font-family: SymbolMT; font-size: x-small;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Don’t smoke in bed or when you’re drowsy. Fires created by cigarettes cause more deaths than any</span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><div align="LEFT"><span style="font-size: small;">other kind of fire. Run butts and ashes under water before disposing. Or, better yet, don’t allow</span></div><div align="LEFT"><span style="font-size: small;">smoking in your home.</span></div></span></span><span style="font-family: SymbolMT; font-size: x-small;"><span style="font-family: SymbolMT; font-size: x-small;"></span></span><br />
<div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Never install a double-cylinder deadbolt lock on your exit doors. They require a key to unlock from the </span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-size: small;">inside. When you need to exit in a hurry, this lock can be deadly.</span></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span></div><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Never use an extension cord on a permanent basis and avoid running them under rugs.</span></span><br />
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<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Don’t place hay, straw or other combustible materials beneath your home.</span></span><br />
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<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Never leave home with the clothes dryer running. Clean dryer vents frequently. Clean lint screens after</span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-size: small;">each load to keep the airway clear.</span></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><span style="font-family: SymbolMT; font-size: x-small;"><span style="font-family: SymbolMT; font-size: x-small;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Make regular safety checks of your home’s major systems or hire a professional to inspect them.</span></span><br />
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<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: small;"><div align="LEFT">Check for cleanliness, proper functioning and loose connections for your:</div></span></span><br />
<div align="LEFT"><span style="color: #8c0f04; font-family: Futura-Condensed; font-size: x-small;"><span style="color: #8c0f04; font-family: Futura-Condensed; font-size: x-small;"><span style="color: #8c0f04; font-family: Futura-Condensed; font-size: x-small;">Heating/cooling system</span></span></span></div><span style="color: #8c0f04; font-family: Futura-Condensed; font-size: x-small;"><span style="color: #8c0f04; font-family: Futura-Condensed; font-size: x-small;"><span style="color: #8c0f04; font-family: Futura-Condensed; font-size: x-small;">Electrical</span></span></span><br />
<span style="color: #8c0f04; font-family: Futura-Condensed; font-size: x-small;"><span style="color: #8c0f04; font-family: Futura-Condensed; font-size: x-small;"><span style="color: #8c0f04; font-family: Futura-Condensed; font-size: x-small;">Appliances</span></span></span><br />
<span style="color: #8c0f04; font-size: x-small;">Fuel Lines</span><br />
<span style="color: #8c0f04; font-size: x-small;">Water Heater</span><br />
<span style="color: #8c0f04; font-size: x-small;">Plumbing</span><br />
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<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Never block doors or windows with furniture or other large objects.</span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"> </span></span><span style="font-family: SymbolMT; font-size: x-small;"><span style="font-family: SymbolMT; font-size: x-small;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Store flammable liquids like gasoline, kerosene, paint thinner, etc., in approved containers outside</span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: small;"></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: small;"><div align="LEFT">your home, but not under your home.</div></span></span><b><span style="font-family: AGaramond-Bold;"><span style="font-family: AGaramond-Bold;"></span></span></b><br />
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<span style="font-family: Futura-Condensed; font-size: xx-small;"><span style="font-family: Futura-Condensed; font-size: xx-small;"><b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><div align="LEFT"><span style="font-size: x-large;">Choose:</span></div><div align="LEFT"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnzyVdfiP6zjwOvH-KXNNqdatqSgFHtVowHNJAijGG4h0npSRQKHq8lJFN0xRyeulTGRRe2o_bN9_l3fquMas00vJKfxEEcnurGaqGHRnFBbuKBJ-m-wkiq904AP9sZ5LKKjlrTBBz3vK6/s1600/logo+for+facebook.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="83" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnzyVdfiP6zjwOvH-KXNNqdatqSgFHtVowHNJAijGG4h0npSRQKHq8lJFN0xRyeulTGRRe2o_bN9_l3fquMas00vJKfxEEcnurGaqGHRnFBbuKBJ-m-wkiq904AP9sZ5LKKjlrTBBz3vK6/s200/logo+for+facebook.png" width="200" /></a></div></span></span></span></b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><div align="LEFT">Check out our other insurance programs at <a href="http://www.horizonincome.com/">www.Horizonincome.com</a> for Manufactured Homes,</div><div align="LEFT">Specialty Homeowners including Landlord, Vacant and Rental Properties, Motorcycles, Off-Road Vehicles,</div><div align="LEFT">Motor Homes, Travel Trailers, Boats, Personal Watercraft and Collectible Autos.</div></span><div align="LEFT"></div></span><div align="LEFT"></div></span><div align="LEFT"></div></span><span style="font-family: Helvetica-Condensed; font-size: xx-small;"><span style="font-family: Helvetica-Condensed; font-size: xx-small;"><span style="font-size: small;">For more information, please visit us at:</span></span></span><br />
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<span style="color: #8c0f04; font-family: SymbolMT; font-size: x-small;"><span style="color: #8c0f04; font-family: SymbolMT; font-size: x-small;"><span style="color: #8c0f04; font-family: SymbolMT; font-size: x-small;"></span></span></span><br />
<span style="color: #8c0f04; font-family: SymbolMT; font-size: x-small;"><span style="color: #8c0f04; font-family: SymbolMT; font-size: x-small;"><span style="color: #8c0f04; font-family: SymbolMT; font-size: x-small;"></span></span></span><br />
<span style="color: #8c0f04; font-family: SymbolMT; font-size: x-small;"><span style="color: #8c0f04; font-family: SymbolMT; font-size: x-small;"><span style="color: #8c0f04; font-family: SymbolMT; font-size: x-small;"><div align="LEFT"></div></span><div align="LEFT"></div></span><div align="LEFT"></div></span><br />
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<span style="color: #8c0f04; font-family: Futura-Condensed; font-size: x-small;"><span style="color: #8c0f04; font-family: Futura-Condensed; font-size: x-small;"><span style="color: #8c0f04; font-family: Futura-Condensed; font-size: x-small;"></span></span></span>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-89047536652580203752011-11-29T15:14:00.000-08:002011-11-29T15:20:19.221-08:00Why use a Property Management Company?<div class="MsoNormal"><table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCkNO_p4CQxcoqfFOmBIS2bW9RztUFHlQRjsAvAvKHxhTwTxu_k5JNGhRYJ6_xMyCe92VVlkMiUtoM5UppsC9dWx1vPOSiSDSmxqI5yVVp_meZQ9jfIU20H8tT-uQ4DyNzOgAU0s_9oEaR/s1600/condos2.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCkNO_p4CQxcoqfFOmBIS2bW9RztUFHlQRjsAvAvKHxhTwTxu_k5JNGhRYJ6_xMyCe92VVlkMiUtoM5UppsC9dWx1vPOSiSDSmxqI5yVVp_meZQ9jfIU20H8tT-uQ4DyNzOgAU0s_9oEaR/s200/condos2.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Get a discount for using a PMC.</td></tr>
</tbody></table><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> Rental property is a big investment, and you want your investment to be profitable. That’s why during certain situations it may be in your best interest to hire a Property Management Company (PMC) to manage your rental property. A PMC might be helpful in the following scenarios: if you live a significant distance from your rental, if you have several properties, or if you’d simply like to enjoy the rewards of owning investment property without the headaches of managing it.<o:p></o:p></span></div><div class="MsoNormal"><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Property Management Companies can act as a liaison between you and your tenant. They generally stay current with rental laws and requirements, minimizing the chances you’ll be liable for an unexpected situation.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Specifically, property managers handle duties including:<o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><br />
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<span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> Advertising</span><br />
<span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> Leasing</span><br />
<span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> Tenant screening and background checks</span><br />
<span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> Rent collection</span><br />
<span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> Legal proceedings and eviction coordination</span><br />
<span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> Maintenance</span><br />
<span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> Round-the-clock emergency service</span><br />
<span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> Preventive maintenance programs<o:p></o:p></span></div><div class="MsoNormal"><br />
<b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Does your insurance carrier support your decision to use a Property Management Company?</span></b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> </span><br />
<span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">As part of their commitment to professional landlords, Horizon offers a discount for landlords who use a Property Management Company. <o:p></o:p></span></div><div class="MsoNormal"><br />
<b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Not sure what your policy provides?</span></b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> </span><br />
<span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Call me to discuss your coverage and find out more about the Horizon Landlord program.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: "Times New Roman"; font-size: 9pt; mso-bidi-font-family: "Times New Roman";"><span style="font-size: x-small;"><span style="font-size: small;">Product availability is based on authority and all products may not be available in all areas</span>.<o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><br />
</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">This does not constitute legal advice. For a complete list of the specific landlord and tenant laws in your state visit www.landlordassociation.org/statelaws.html, or for legal advice, speak with a real estate attorney. <o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><br />
<a href="http://horizonincome.com/">http://horizonincome.com/</a><br />
<a href="http://horizonincome.com/homeowners.html">http://horizonincome.com/homeowners.html</a><br />
<a href="http://horizonincome.com/condo+insurance.html">http://horizonincome.com/condo+insurance.html</a><br />
<a href="http://horizonincome.com/renters+insurance.html">http://horizonincome.com/renters+insurance.html</a><br />
<a href="http://horizonincome.com/commercial+property+insurance.html">http://horizonincome.com/commercial+property+insurance.html</a><br />
<a href="http://horizonincome.com/pet+insurance.html">http://horizonincome.com/pet+insurance.html</a><br />
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</div>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-55403746429942821972011-10-26T14:32:00.000-07:002011-10-26T14:32:06.773-07:00Water Damage Safety Tips for Homeowners: How to Prevent Costly Leaks<div style="color: #8c0f04; font-size-adjust: none; font-stretch: normal; font: 19px/normal Helvetica; margin: 0px;"><table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhTx-DarqAMlGyYW839chX6o3wBAZEoS2XS3rD_Av99ggaBCzhACqBQlobm0yIByL2vKAXv0Uro3lrSs7CbkylhwkJz0SP7hRxsDz67ohj3Ds2-4XSgCSS2t9lJlFfglstjHDBihR-69QRT/s1600/house2.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="133" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhTx-DarqAMlGyYW839chX6o3wBAZEoS2XS3rD_Av99ggaBCzhACqBQlobm0yIByL2vKAXv0Uro3lrSs7CbkylhwkJz0SP7hRxsDz67ohj3Ds2-4XSgCSS2t9lJlFfglstjHDBihR-69QRT/s200/house2.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Stop leaks before they start.</td></tr>
</tbody></table><b> How to prevent costly leaks</b></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">Water damage – whether caused by leaks or condensation – can do more than cause unsightly stains in your home.</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">It can cause permanent structural damage to the home and erode its strength.</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">When damage is from poor or infrequent maintenance, neglect or general deterioration, water damage isn’t</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">covered by your insurance policy. But proper home maintenance can help you prevent messy and costly repairs to</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">your home. <b>Defend your home by stopping that leak before it starts.</b></span></div><div style="color: #8c0f04; font-size-adjust: none; font-stretch: normal; font: 14px/normal Helvetica; margin: 0px;"><br />
<b><span class="Apple-style-span" style="font-size: small;">Start with the roof</span></b></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">• Check your roof once a year. To avoid damage, keep your weight directly on the rafters. If you have </span><span class="Apple-style-span" style="font-size: small;">a bowstring or low-pitch rafter, place a plywood sheet across the rafter so you can distribute your </span><span class="Apple-style-span" style="font-size: small;">weight evenly.</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">• Check for corrosion or deterioration of your roof; wind or hail damage; improper installation of vents, </span><span class="Apple-style-span" style="font-size: small;">flues, chimneys, air conditioners, etc.</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">• Inspect your roof for punctures or cracks. Clean any you find and apply a compatible patching </span><span class="Apple-style-span" style="font-size: small;">compound or sealant.</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">• Clean and inspect rain gutters and downspouts for leaks or holes. Remove dirt, leaves, branches and </span><span class="Apple-style-span" style="font-size: small;">any other debris on your roof or gutter.</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">• Seal manufactured home metal roofs with a good roof coating at least every other year – or more </span><span class="Apple-style-span" style="font-size: small;">often in damp or warmer climates. Apply around all vents and seams, coating along the drip edge of </span><span class="Apple-style-span" style="font-size: small;">the roof. Cover all exposed screw heads, fasteners and other areas susceptible to leaking.</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">• Look for and repair loose, damaged or missing shingles, vent caps, raised nail heads and anything else </span><span class="Apple-style-span" style="font-size: small;">in disrepair.</span></div><div style="color: #8c0f04; font-size-adjust: none; font-stretch: normal; font: 14px/normal Helvetica; margin: 0px;"><br />
<b><span class="Apple-style-span" style="font-size: small;">Check your home’s exterior</span></b></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">• Inspect outside walls, doors and windows each spring and fall for unusual wear or tear. Water and </span><span class="Apple-style-span" style="font-size: small;">moisture can penetrate these common areas if they’re not maintained regularly.</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">• Repair or replace caulk, weather stripping, glazing, window seals, door seals or any other exterior </span><span class="Apple-style-span" style="font-size: small;">area damaged by use, abuse or normal weathering.</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">• Examine your exterior siding and replace any missing or damaged fasteners or screws. Repair or </span><span class="Apple-style-span" style="font-size: small;">replace punctured siding.</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">• Remember to look under your manufactured </span><span class="Apple-style-span" style="font-size: small;">home for a sagging, torn or water-spotted bottom </span><span class="Apple-style-span" style="font-size: small;">barrier. This can indicate leaks as well as poor or </span><span class="Apple-style-span" style="font-size: small;">damaged insulation, which may cause water lines </span><span class="Apple-style-span" style="font-size: small;">to freeze and break.</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">• Check your home’s pneumatic storm door closer </span><span class="Apple-style-span" style="font-size: small;">and safety chain. If these are loose or not working </span><span class="Apple-style-span" style="font-size: small;">properly, the storm door may blow open and let </span><span class="Apple-style-span" style="font-size: small;">water in.</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><br />
<span class="Apple-style-span" style="font-size: small;"><b>Horizon Insurance has specialty insurance products. </b></span><br />
<span class="Apple-style-span" style="font-size: small;">Not only can you trust safety </span><span class="Apple-style-span" style="font-size: small;">information from Horizon, but you can trust </span><span class="Apple-style-span" style="font-size: small;">our broad insurance policies that give you the </span><span class="Apple-style-span" style="font-size: small;">coverage you want.</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><br />
<span class="Apple-style-span" style="font-size: small;">Contact your local Horizon agent today for a </span><span class="Apple-style-span" style="font-size: small;">policy that gives you more!</span></div><div style="color: #8c0f04; font-size-adjust: none; font-stretch: normal; font: 14px/normal Helvetica; margin: 0px;"><br />
<b><span class="Apple-style-span" style="font-size: small;">Choose Horizon</span></b></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">Check out our other insurance programs at </span><span class="Apple-style-span" style="font-size: small;">HorizonIncome.com for Manufactured Homes,</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 10px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: small;">Specialty Homeowners including Landlord, Vacant </span><span class="Apple-style-span" style="font-size: small;">and Rental Properties, Motorcycles, Off-Road Vehicles, </span><span class="Apple-style-span" style="font-size: small;">Motor Homes, Travel Trailers, Boats, Personal Watercraft </span><span class="Apple-style-span" style="font-size: small;">and Collectible Autos.</span></div><br />
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<div style="font-size-adjust: none; font-stretch: normal; font: 32px/normal Helvetica; margin: 0px;"><b>Water Damage Safety Tips</b></div><div style="font-size-adjust: none; font-stretch: normal; font: 32px/normal Helvetica; margin: 0px;"><b>for Homeowners</b></div><div style="font-size-adjust: none; font-stretch: normal; font: 7px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: x-small;">Not all products available in all areas.</span></div><div style="font-size-adjust: none; font-stretch: normal; font: 6px/normal Helvetica; margin: 0px;"><span class="Apple-style-span" style="font-size: x-small;"><br />
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</div>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-27417424944010597882011-10-10T10:20:00.000-07:002011-10-10T10:22:04.887-07:00Loss Prevention Guidelines for Landlords<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKVDSn2-RNlJ3X5cEMnTxsKPKwayGJxjGUmskDMo6fQFgygYbtXTot0vkZHBTIUR99nb1o7AONslKQQDyPO9LaS0IEhAEn_YR4B_mX7UiJOXFARa-NhzHrB5xBqIDEbZLofKBivqqOtyPa/s1600/renter2.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKVDSn2-RNlJ3X5cEMnTxsKPKwayGJxjGUmskDMo6fQFgygYbtXTot0vkZHBTIUR99nb1o7AONslKQQDyPO9LaS0IEhAEn_YR4B_mX7UiJOXFARa-NhzHrB5xBqIDEbZLofKBivqqOtyPa/s200/renter2.jpg" width="150" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Call Horizon for insurance.</td></tr>
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</div><div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;"><span style="font-family: "Times New Roman","serif";"> Being a landlord isn’t always easy. Problems with tenants can result in loss of time and money as well as unnecessary hassles. If you don’t want to deal with rent collection, maintenance and tenant screening, consider using a Property Management Company to manage your rental properties. However, if you do handle things on your own, the following guidelines may help ensure a good relationship with your tenants, maintain your rental home and make your life as a landlord much easier.<o:p></o:p></span></div><br />
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<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;"><b><span style="font-family: "Times New Roman","serif";"> Tenant Screening<o:p></o:p></span></b></div><br />
<div class="MsoListParagraph" style="line-height: normal; margin: 0in 0in 0pt 0.5in; mso-list: l1 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman","serif";">Check references</span></b><span style="font-family: "Times New Roman","serif";">. Request at least three references (preferably previous landlords) and take the time to follow up on them. <o:p></o:p></span></div><br />
<div class="MsoListParagraph" style="line-height: normal; margin: 0in 0in 0pt 0.5in; mso-list: l1 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman","serif";">Keep records</span></b><span style="font-family: "Times New Roman","serif";">. To protect your interests and the interests of your tenants, document everything in writing and keep the paperwork throughout the entire rental agreement. <o:p></o:p></span></div><br />
<div class="MsoListParagraph" style="line-height: normal; margin: 0in 0in 0pt 0.5in; mso-list: l1 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman","serif";">Run a credit check</span></b><span style="font-family: "Times New Roman","serif";">. It’s always wise to check an applicant’s income, employment and credit history to verify they can afford to pay rent each month. However, make sure you obtain your prospective tenant’s written consent before doing so. <o:p></o:p></span></div><br />
<div class="MsoListParagraph" style="line-height: normal; margin: 0in 0in 0pt 0.5in; mso-list: l1 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman","serif";">Prepare a clearly-defined lease</span></b><span style="font-family: "Times New Roman","serif";">. Develop an appropriate set of rules and have them reviewed by a real estate attorney. Provide all prospective tenants with a copy of the rules and have them initial each page and sign an acknowledgement.<o:p></o:p></span></div><br />
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<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;"><b><span style="font-family: "Times New Roman","serif";">Important information to consider in a lease agreement<o:p></o:p></span></b></div><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;"><span style="font-family: "Times New Roman","serif";">Be sure your lease agreement outlines the specific obligations of each party and is written clearly enough for the tenant to understand what they must or must not do. Standard items to consider include:<o:p></o:p></span></div><br />
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<div class="MsoListParagraph" style="line-height: normal; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman","serif";">Rent</span></b><span style="font-family: "Times New Roman","serif";">. Be specific about when the rent is due and when it’s considered late.<o:p></o:p></span></div><br />
<div class="MsoListParagraph" style="line-height: normal; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman","serif";">Deposit information</span></b><span style="font-family: "Times New Roman","serif";">. Outline the amount of deposit required and what circumstances may result in a loss of deposit money.<o:p></o:p></span></div><br />
<div class="MsoListParagraph" style="line-height: normal; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman","serif";">Prohibited activities</span></b><span style="font-family: "Times New Roman","serif";">. Create a concise list of the types of activities you will not allow, such as grilling on porches or decks, use of portable space heaters, renovations or remodeling without landlord consent. <o:p></o:p></span></div><br />
<div class="MsoListParagraph" style="line-height: normal; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman","serif";">Maintenance and repairs</span></b><span style="font-family: "Times New Roman","serif";">. Document who is responsible for routine maintenance and repairs and provide the amount of time you will be allowed to respond to requests.<o:p></o:p></span></div><br />
<div class="MsoListParagraph" style="line-height: normal; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman","serif";">Responsibility for utilities and waste removal</span></b><span style="font-family: "Times New Roman","serif";">. Clearly define who is responsible for each utility and service.<o:p></o:p></span></div><br />
<div class="MsoListParagraph" style="line-height: normal; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman","serif";">Your right of entry to the premises</span></b><span style="font-family: "Times New Roman","serif";">. It’s a good idea to include circumstances in which you have the right to enter.<o:p></o:p></span></div><br />
<div class="MsoListParagraph" style="line-height: normal; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman","serif";">Pet restrictions and policies</span></b><span style="font-family: "Times New Roman","serif";">. Specifically list any pets or breeds you will not allow in addition to any regulations that need to be followed.<o:p></o:p></span></div><br />
<div class="MsoListParagraph" style="line-height: normal; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman","serif";">What stays and what goes when the tenant vacates</span></b><span style="font-family: "Times New Roman","serif";">. If your home provides any removable items, be sure to note that they need to stay in the home when the tenant leaves.<o:p></o:p></span></div><br />
<div class="MsoListParagraph" style="line-height: normal; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman","serif";">Length of notice to vacate</span></b><span style="font-family: "Times New Roman","serif";">. Provide how many days notice you will need when a tenant decides to move out.<o:p></o:p></span></div><br />
<div class="MsoListParagraph" style="line-height: normal; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman","serif";">Renter’s insurance policy</span></b><span style="font-family: "Times New Roman","serif";">. Require that your tenant have an insurance policy in the event of a fire, theft or liability issue. <o:p></o:p></span></div><br />
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<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;"><span style="font-family: "Times New Roman","serif"; font-size: 9pt;">Product availability is based on authority and all products may not be available in all areas.<o:p></o:p></span></div><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;"><span style="font-family: "Times New Roman","serif"; font-size: 9pt;">This does not constitute legal advice. For a complete list of the specific landlord and tenant laws in your state visit www.landlordassociation.org/statelaws.html, or for legal advice, speak with a real estate attorney. </span></div><div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;"><br />
</div><div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;"><span style="font-family: "Times New Roman","serif"; font-size: 9pt;">For more information visit us at:</span></div><div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;"><span style="font-family: "Times New Roman","serif"; font-size: 9pt;"><a href="http://horizonincome.com/">http://horizonincome.com/</a></span></div><div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;"><span style="font-family: "Times New Roman","serif"; font-size: 9pt;"><a href="http://horizonincome.com/homeowners.html">http://horizonincome.com/homeowners.html</a></span></div><div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;"><span style="font-family: "Times New Roman","serif"; font-size: 9pt;"><a href="http://horizonincome.com/condo+insurance.html">http://horizonincome.com/condo+insurance.html</a></span></div><div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;"><span style="font-family: "Times New Roman","serif"; font-size: 9pt;"><a href="http://horizonincome.com/renters+insurance.html">http://horizonincome.com/renters+insurance.html</a></span></div><div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;"><span style="font-family: "Times New Roman","serif"; font-size: 9pt;"><a href="http://horizonincome.com/commercial+property+insurance.html">http://horizonincome.com/commercial+property+insurance.html</a></span></div><div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;"><span style="font-family: "Times New Roman","serif"; font-size: 9pt;"><a href="http://horizonincome.com/aboutUs.html">http://horizonincome.com/aboutUs.html</a></span></div>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-47293924573481414112011-09-20T15:31:00.000-07:002011-09-20T15:31:44.037-07:00How to Determine if You Need Flood Coverage<div align="LEFT"><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEju6_MnPIlfJ639ITm8xVkcogqyxSjL3HpFXKD8nwDCNF6v8hToa35-xqwKca-h3M1F1ObDyAzFv5WPAdq0zYa9XV-yWA6dRTC-XEAUCn4A9nvGD-i9EnmwyiQ470F3KyaKbwhnDQlgoAwO/s1600/flood.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="132" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEju6_MnPIlfJ639ITm8xVkcogqyxSjL3HpFXKD8nwDCNF6v8hToa35-xqwKca-h3M1F1ObDyAzFv5WPAdq0zYa9XV-yWA6dRTC-XEAUCn4A9nvGD-i9EnmwyiQ470F3KyaKbwhnDQlgoAwO/s200/flood.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Are you covered for flood damage?</td></tr>
</tbody></table><div align="LEFT"><span style="font-family: TimesNewRoman; font-size: small;"><span style="font-family: TimesNewRoman; font-size: small;"> </span></span></div><div align="LEFT"><br />
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</div><div align="LEFT"><span style="font-family: TimesNewRoman; font-size: small;"><span style="font-family: TimesNewRoman; font-size: small;">Too many people assume that if their home is not in a flood zone, their homeowners’ policy will pick up the tab if flood damage occurs. This is not the case. In fact, most standard homeowner policies don’t include flood coverage. So how do you determine whether you need it?</span></span></div><span style="font-family: TimesNewRoman; font-size: small;"><span style="font-family: TimesNewRoman; font-size: small;"> <br />
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<span style="font-family: TimesNewRoman; font-size: small;"><span style="font-family: TimesNewRoman; font-size: small;"><div align="LEFT">For a preliminary assessment, go to <a href="http://www.floodsmart.gov/">www.floodsmart.gov</a> and enter your address information in the flood risk profile. The level of risk is determined by your property's location on your community's flood map.</div><br />
<div align="LEFT">The lower the degree of risk, the lower the flood insurance premium.</div><br />
<div align="LEFT">However, keep in mind it doesn’t always take a coastal disaster or being in a high risk zone to bring flood damage your way. Excessive rain, poor drainage systems, broken water mains and rapid snowmelt could all lead to flooding. In fact, according to the National Flood Insurance Program, nearly 25% of flood insurance claims come from moderate to low risk areas. Therefore, even if your home is not in a high risk location, you may still want to consider purchasing flood insurance as a precaution.</div></span></span><br />
<b><span style="font-family: TimesNewRoman,Bold; font-size: small;"><span style="font-family: TimesNewRoman,Bold; font-size: small;">Horizon can help.</span></span></b><br />
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<span style="font-family: TimesNewRoman; font-size: small;"><span style="font-family: TimesNewRoman; font-size: small;">If you choose to purchase your National Flood Insurance Program policy through Horizon, I can help</span></span><br />
<span style="font-family: TimesNewRoman; font-size: small;"><span style="font-family: TimesNewRoman; font-size: small;"> make sure that your home and its contents have the coverage you want in the event of a flood.<br />
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<b><span style="font-family: TimesNewRoman,Bold; font-size: small;"><span style="font-family: TimesNewRoman,Bold; font-size: small;">Not sure what your policy provides? </span></span></b><br />
<b><span style="font-family: TimesNewRoman,Bold; font-size: small;"><span style="font-family: TimesNewRoman,Bold; font-size: small;"></span></span></b><span style="font-family: TimesNewRoman,Bold; font-size: small;"><span style="font-family: TimesNewRoman,Bold; font-size: small;"></span></span><br />
<span style="font-family: TimesNewRoman,Bold; font-size: small;"><span style="font-family: TimesNewRoman,Bold; font-size: small;"><div align="LEFT"></div></span></span><br />
<div align="LEFT"><span style="font-family: TimesNewRoman; font-size: small;"><span style="font-family: TimesNewRoman; font-size: small;">Call me to discuss your coverage and find out more about a flood </span></span><span style="font-family: TimesNewRoman; font-size: small;"><span style="font-family: TimesNewRoman; font-size: small;">policy through Horizon. Or, for more information on flood coverage, visit the following websites:</span></span></div><span style="font-family: TimesNewRoman; font-size: small;"><span style="font-family: TimesNewRoman; font-size: small;"> </span></span><span style="font-family: TimesNewRoman; font-size: small;"><span style="font-family: TimesNewRoman; font-size: small;"><a href="http://www.floodsmart.gov/">www.floodsmart.gov</a></span></span><br />
<span style="font-family: TimesNewRoman; font-size: small;"><span style="font-family: TimesNewRoman; font-size: small;"> </span></span><span style="font-family: TimesNewRoman; font-size: small;"><span style="font-family: TimesNewRoman; font-size: small;"><a href="http://www.fema.gov/">www.fema.gov</a></span></span><br />
<div align="LEFT"><span style="font-family: TimesNewRoman; font-size: small;"><span style="font-family: TimesNewRoman; font-size: small;"><a href="http://www.nationalfloodinsurance.com/">www.nationalfloodinsurance.com</a></span></span></div><span style="font-family: TimesNewRoman; font-size: small;"><span style="font-family: TimesNewRoman; font-size: small;"> </span></span><br />
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For more information on our products, please visit:<br />
<br />
<a href="http://www.horizonincome.com/">www.Horizonincome.com</a><br />
<a href="http://horizonincome.com/flood+insurance.html">http://horizonincome.com/flood+insurance.html</a><br />
<a href="http://horizonincome.com/homeowners.html">http://horizonincome.com/homeowners.html</a><br />
<a href="http://horizonincome.com/commercial+property+insurance.html">http://horizonincome.com/commercial+property+insurance.html</a><br />
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<span style="font-family: TimesNewRoman; font-size: xx-small;"><span style="font-family: TimesNewRoman; font-size: xx-small;"></span></span><br />
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</div><div align="LEFT"><br />
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</div><div align="LEFT"><br />
</div><div align="LEFT"><br />
</div><div align="LEFT">Product availability is based on authority and all products may not be available in all areas.</div><br />
<div align="LEFT">This does not constitute legal advice. For a complete list of the specific landlord and tenant laws in your state visit</div><br />
<div align="LEFT">www.landlordassociation.org/statelaws.html, or for legal advice, speak with a real estate attorney.</div></span></span><br />
<span style="font-family: TimesNewRoman; font-size: xx-small;"><span style="font-family: TimesNewRoman; font-size: xx-small;"></span></span>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-46814319175700819122011-09-16T12:15:00.000-07:002011-09-16T12:33:13.906-07:00Water Damage Safety Tips for Homeowners<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiInmphpfYvaqZvt0NEl-HOjOv8w8BBeP-9zevg6CRDGc_rZbhga5FO1dQJhG_r7CvOguQLs5tVUsDpr1NfhChFPpkUJJs9KGpezg3eiHs3RRo5Nam-dCqroqtZ8pnhlrKQunwD3uXD_Amq/s1600/house2.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="133" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiInmphpfYvaqZvt0NEl-HOjOv8w8BBeP-9zevg6CRDGc_rZbhga5FO1dQJhG_r7CvOguQLs5tVUsDpr1NfhChFPpkUJJs9KGpezg3eiHs3RRo5Nam-dCqroqtZ8pnhlrKQunwD3uXD_Amq/s200/house2.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: x-small;">Protect your property in an emergency</span></td></tr>
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</tbody></table><div align="LEFT">What to do in an emergency</div></span></span></span></b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"></span></span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><div align="LEFT"><br />
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</div><div align="LEFT"><span style="font-size: small;"> </span></div><div align="LEFT"><br />
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</div><div align="LEFT"><span style="font-size: small;"> If you discover a build-up of water on the floor, find standing water in your home or experience severe, sudden </span><span style="font-size: small;">and accidental water damage, take steps to begin ventilating and drying out your home immediately. Here are</span><span style="font-size: small;"> </span><span style="font-size: small;">some precautions to start with until help arrives:</span></div><span style="font-size: small;"> </span></span></span><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"><div align="LEFT"><br />
</div></span></span><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Shut off the water source, if possible.</span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
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<div align="LEFT"></div><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Protect your property from further damage with temporary, reasonable and necessary repairs, like</span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"><div align="LEFT">plywood or plastic covers over roof or wall openings. Move household items to an undamaged area of</div><div align="LEFT">your home or cover them with plastic.</div></span></span><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"><div align="LEFT"><br />
</div></span></span><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Mop, blot up or wet vac as much water as possible.</span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Don’t leave books, magazines or other colored items on wet carpeting.</span></span></div><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Remove oriental or other colored throw rugs from wet wall-to-wall carpeting. Remove the pad from</span></span></div><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">under saturated carpets.</span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"><div align="LEFT"><br />
</div></span></span><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Place wood blocks or aluminum foil between furniture legs and wet carpeting. Wipe excess water from </span></span><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">wood furniture.</span></span><br />
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<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Open drawers and cabinets to aid in faster drying.</span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Open windows to speed drying. Turn on the air conditioner or fans for maximum drying in hot weather.</span></span></div><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Make small holes in sagging ceilings to drain trapped water, using a pan or bucket below to catch the</span></span></div><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">water. Never turn on a ceiling fixture if the ceiling is wet!</span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"><div align="LEFT"><br />
</div></span></span><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Replace any wet insulation with new, dry insulation.</span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
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<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Treat minor mold growths quickly with a solution of one cup chlorine bleach to one gallon of water.</span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"><div align="LEFT">Leave this solution on the mold for approximately 15 minutes to kill the mold spores. Wipe away the</div><div align="LEFT">debris with a disposable cloth and discard it. Thoroughly dry the area where you applied the bleach</div><div align="LEFT">and water.</div></span></span><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"><div align="LEFT"><br />
</div></span><div align="LEFT"></div></span><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Make sure flooring and carpets are dry before starting any repairs or making replacements.</span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<div align="LEFT"><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Hire a professional to clean and re-lay your carpet after the carpet pad has been replaced.</span></span></div><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"><div align="LEFT"><br />
</div></span></span><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">If you discover mold in the areas you are cleaning, consider calling in a professional cleaning firm.</span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"><div align="LEFT">There is speculation that some mold may lead to health problems.</div><div align="LEFT"><br />
</div><div align="LEFT">For further information on this and many other topics regarding your personal or business property, please call or visit us online at: </div><div align="LEFT"><br />
<a href="http://www.horizonincome.com/">http://www.horizonincome.com/</a></div><div align="LEFT"><a href="http://www.horizonincome.com/homeowners.html">http://www.horizonincome.com/homeowners.html</a></div><div align="LEFT"><a href="http://www.horizonincome.com/condo+insurance.html">http://www.horizonincome.com/condo+insurance.html</a></div><div align="LEFT"><a href="http://www.horizonincome.com/renters+insurance.html">http://www.horizonincome.com/renters+insurance.html</a></div><div align="LEFT"><a href="http://www.horizonincome.com/commercial+property+insurance.html">http://www.horizonincome.com/commercial+property+insurance.html</a></div><div align="LEFT"><a href="http://www.horizonincome.com/business+owner+insurance.html">http://www.horizonincome.com/business+owner+insurance.html</a></div><div align="LEFT"><a href="http://www.horizonincome.com/aboutUs.html">http://www.horizonincome.com/aboutUs.html</a></div></span></span><b><span style="font-family: AGaramond-Bold;"><span style="font-family: AGaramond-Bold; font-size: small;"><div align="LEFT"><br />
</div></span></span></b><span style="font-family: AGaramond-Bold;"><span style="font-family: AGaramond-Bold;"></span></span>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-19876790748802851462011-09-09T13:44:00.000-07:002011-09-09T13:49:16.674-07:00Sept. 11 is Grandparents Day and Patriot Day<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBzblAGfvnENeiPNIJ4usCTMYM4npo_HaMBytjlFg3OH97XJCzyE50DzTpQD0uLxpGqn4Gg1m_cNpUdva2iv9EIkhjmGKFYsxf3kO31d7-OCa5ZmFrAF-APC108WbSEbNjm2XEE2B_VW1N/s1600/flag.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBzblAGfvnENeiPNIJ4usCTMYM4npo_HaMBytjlFg3OH97XJCzyE50DzTpQD0uLxpGqn4Gg1m_cNpUdva2iv9EIkhjmGKFYsxf3kO31d7-OCa5ZmFrAF-APC108WbSEbNjm2XEE2B_VW1N/s200/flag.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">On Sept.11 fly flags at half-staff</td></tr>
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Wondering what to do this Sept. 11? <br />
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Why not spend it visiting your grandparents, or an elder person who may appreciate having company. Here are some ideas for things to do this Sept.11, 2011 along with a reprint of some great information from The Joe Foss Institute.<br />
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Visit your grandparents, or take your kids to visit their grandparents. Take them out to lunch, then attend a memorial or lay flowers for a Veteran for Patriot Day. Don't forget to fly your flag at half staff.<br />
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Here's a reprint from The Joe Foss Institute:<br />
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<strong><span style="font-size: large;">Patriot Day</span></strong><br />
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Patriot Day takes place on September 11<sup><span style="font-size: x-small;">th</span></sup> each year in order to remember those killed in the attacks on the US, by a group of terrorists who were able to hijack and take control of four commercial airliners in 2001. Two of those planes struck the World Trade Center and one struck the Pentagon.<br />
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The fourth plane was intended to collide with either the White House or the Capitol Building; however, a group of heroic passengers on that flight were able to overpower the hijackers and the plane crashed in a field in Shanksville, PA. Sadly, there were no survivors from any of the four planes and a total of approximately 3,000 lives were lost that day.<br />
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On October 25<sup><span style="font-size: x-small;">th</span></sup>, 2001, Congress voted unanimously for President George Bush to designate September 11<sup><span style="font-size: x-small;">th</span></sup> as Patriot Day as a result of the immense sadness this day carries with it. On September 4<sup><span style="font-size: x-small;">th</span></sup>, 2002, President Bush officially proclaimed September 11<sup><span style="font-size: x-small;">th</span></sup> Patriot Day.<br />
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As a discretionary holiday, it is nationally accepted that all American flags should be flown at half-staff; especially the flags that decorate the White House and US government buildings both home and abroad. The President also requested that a moment of silence be observed on this day at 8:46am, the time at which the first plane hit the North tower of the World Trade Center.<br />
<h2><strong>Patriot Day Activities</strong></h2>To help foster an appreciation for the sacrifices of Americans who bravely lost their lives on September 11<sup><span style="font-size: x-small;">th</span></sup>, here are a few suggestions for Patriot Day school activities. <br />
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<ul><li><strong><span style="font-family: Thread-00001624-Id-00000071;">Sing The National Anthem: </span></strong>There is no greater way to show your patriotism than to sing the national anthem, the Star Spangled Banner. Teach your students the words to the Star Spangled Banner and then have them sing it prior to beginning any of the other activities listed here, much like what is done at a sporting event. <a href="http://www.joefoss.com/resources/patriotic-holidays/192-national-anthem-day-school-activities" title="Click here to see what the National Anthem is Important."><span style="color: #9f0f0f;">Click here to see why the National Anthem is Important.</span></a></li>
<li><strong><span style="font-family: Thread-00001624-Id-00000071;">Create Cards For Local Firefighters And Policemen: </span></strong>Unless you reside in New York or Washington D.C., the members of your local firefighting and/or police departments were not directly involved with the September 11<sup><span style="font-size: x-small;">th</span></sup> attacks. However, because all firefighters and policemen refer to each other as brethren, sharing your gratitude for the services your local departments have rendered will still make a difference to the recipients.</li>
<li><strong><span style="font-family: Thread-00001624-Id-00000071;">Fly Your Flag At Half-Staff – </span></strong>Allow your children or students to help you fly the flag and explain to them that the purpose of flying your flag at half-staff is to illustrate respect and/or mourning.</li>
<li><strong><span style="font-family: Thread-00001624-Id-00000071;">Observe A Moment Of Silence</span></strong> – This does not necessarily have to take place at the aforementioned 8:46am, but it would show students how a tragic day in American history is typically observed.</li>
<li><strong><span style="font-family: Thread-00001624-Id-00000071;">September 11<sup><span style="font-size: x-small;">th</span></sup> Lesson Plans – </span></strong>Although there are few lesson plans that encompass this dismal day, there are things that children can do that may increase their capacity of understanding of what happened in 2001. A few suggestions include Q & A, giving a brief lecture on the events of that day, and having the students write a letter to a student 50 years in the future explaining what they have learned about the holiday. <a href="http://www.joefoss.com/blog/21-school-activities" title="Click here to see more Patriotic school activities"><span style="color: #9f0f0f;">Click here to see more Patriotic school activities</span></a>.</li>
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<h2><strong>Patriot Day Activities Beyond The Classroom</strong></h2>Another Patriot Day school activity that you can partake in is to have your children actual speak to a veteran of a US war. You can do this through The Joe Foss Intstitute's <a href="http://www.joefoss.com/programs/veterans-inspiring-patriotism"><span style="color: #9f0f0f;">VIP (Veterans Inspiring Patriotism) Program</span></a>.<br />
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<a href="http://horizonincome.com/commercial+property+insurance.html">http://horizonincome.com/commercial+property+insurance.html</a>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-24651207311549057212011-08-29T16:16:00.000-07:002011-08-29T16:16:04.512-07:00Do You Really Understand Your Insurance Policy?<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPqWWGLmjIIFJZaCV-AzizwPe9nenWuNAmvzNSYWB7WPdc069NG9aNKA9z7UxfpukwkvfFdP4lix4zcMHZfIJZUTciBYXFN7X7C6R2TBq6E9tcHIz6oEWhF6bXF1xdRHR6WCybWJmc8kXK/s1600/home+insurance.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="132" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPqWWGLmjIIFJZaCV-AzizwPe9nenWuNAmvzNSYWB7WPdc069NG9aNKA9z7UxfpukwkvfFdP4lix4zcMHZfIJZUTciBYXFN7X7C6R2TBq6E9tcHIz6oEWhF6bXF1xdRHR6WCybWJmc8kXK/s200/home+insurance.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Horizon offers the best policies. </td></tr>
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<span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> Most everyone has some type of insurance policy containing the terms below. Familiarize yourself with each section. <o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><br />
</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> The common sections of most policies include the following: <o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><br />
</div><div class="MsoListParagraph" style="line-height: normal; margin-bottom: 0in; mso-list: l0 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><br />
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<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Declarations. </span></b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">The Declarations Page is basically the first page(s) of the policy package. It “declares” who the insured is and what time period the policy covers. It also provides general information including address, description of what’s insured, coverages and limits. <o:p></o:p></span></div><div class="MsoListParagraph" style="background: white; line-height: 12.75pt; margin-bottom: 0in; mso-list: l0 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Definitions. </span></b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">This section defines certain keywords in an insurance contract. It’s important to read these definitions, because your personal definition of a certain word may be different from the policy’s definition. If you still come across wording you don’t understand, log on to the Insurance Information Institutes site at www2.iii.org/glossary.<o:p></o:p></span></div><div class="MsoListParagraph" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Coverages.</span></b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> The coverage area describes the specific insurance provided by listing what property is covered and for what perils. Many insurance contracts provide comprehensive coverage, meaning everything is covered unless it’s specifically listed as excluded. Be sure to read this section carefully so you know whether your policy is listing a peril as covered or not covered.<o:p></o:p></span></div><div class="MsoListParagraph" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Exclusions.</span></b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> The exclusion portion describes what coverage limits exist or how coverage may not apply depending on how the loss occurs. <o:p></o:p></span></div><div class="MsoListParagraph" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Limits and special limits. </span></b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">This section explains how much the insurer pays for particular losses or types of property. So, while something is covered, it may only be covered for a specific dollar amount or for a limited percentage of the entire loss. <o:p></o:p></span></div><div class="MsoListParagraph" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Conditions. </span></b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">This area basically lists the ground rules of your policy. It tells you what the insurer’s responsibilities are, and what your responsibilities are as the customer. This includes information on how to cancel your policy and subrogation.<o:p></o:p></span></div><div class="MsoListParagraph" style="line-height: normal; margin-bottom: 0in; mso-list: l0 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Endorsements. </span></b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Endorsements are optional coverages you can add to a standard policy.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><br />
</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in; mso-outline-level: 1;"><b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Horizon offers policies to provide the coverages you want.<o:p></o:p></span></b></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Not everybody insures vacant, landlord and rental property, but Horizon does. Horizon provides specialized coverage with a program that can be easily customized. <o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><br />
</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">Still not sure what your policy provides?</span></b><span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";"> Call me to discuss your coverage and find out how to get a flexible package from Horizon. (866) 479-2777</span><br />
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Get a free quote online at: <a href="http://horizonincome.com/quote+home.html">http://horizonincome.com/quote+home.html</a><br />
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<span style="font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman";">More information can be found at: </span><br />
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</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><a href="http://horizonincome.com/commercial+property+insurance.html">http://horizonincome.com/commercial+property+insurance.html</a></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in; mso-outline-level: 1;"></div>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-77477723287939850802011-08-19T11:17:00.000-07:002011-08-19T11:20:28.654-07:00Horizon Income Summer Contest "What I Did This Summer!"<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5JQRJ8EJkNJz44l3dvg67VTjXZsqY2KF3R_NG5fJZs_iZtYiy-Tec1dmPFOG7PXWPpXqt-TedhL-ETvANcaEGWPg1NBGudrdco7SW6lVb4mopW8CZGPAjnynK2VKW9QEw8c8VsfjvnFQq/s1600/american+flag+auto.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5JQRJ8EJkNJz44l3dvg67VTjXZsqY2KF3R_NG5fJZs_iZtYiy-Tec1dmPFOG7PXWPpXqt-TedhL-ETvANcaEGWPg1NBGudrdco7SW6lVb4mopW8CZGPAjnynK2VKW9QEw8c8VsfjvnFQq/s200/american+flag+auto.jpg" width="150" /></a></div><br />
It's been a great summer for car shows, day trips, and longer road trips. Now that summer is winding down, and everyone is getting ready for back to school, we thought it would be great to hear what you did this summer. So, it's time for our summer contest, "What I Did This Summer!". Tell us what you did this summer. Earn extra points if it involved your car, and extra extra points if you post a picture to share. Our winner will earn a Horizon Income trucker hat, and a surprise gift! Since every great contest has rules, here are ours:<br />
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No purchase necessary to enter<br />
Contest runs until September 30, 2011<br />
Winners contacted via email<br />
Once notified, winners are responsible for providing their contatct information.<br />
Postal address must be provided within two weeks of notification<br />
This promotion is in no way sponsored, endorsed or administered by, Facebook,Blogger, or Twitter. You understand that you are giving your information to Horizon Income and not to Facebook, Blogger, or Twitter.<br />
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As a bonus, a lucky person who friends us on Facebook between now and September 30, 2011 will get a surprise gift.<br />
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Here are pictures of some awesome cars we saw this summer.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhnmtB0iG-qpMT1Fd0H1vR8JL1GB2IT8X4omcJbAd19zSn62sNG6YZzNLyb7CTIPjR0C0fEZVjU6o3GPqckeYJCNi2tztzvBtsx1pUcrA2fEaLoABk0-LGyknVyzL9-DHM5NIGxL-BBaxYT/s1600/packard.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhnmtB0iG-qpMT1Fd0H1vR8JL1GB2IT8X4omcJbAd19zSn62sNG6YZzNLyb7CTIPjR0C0fEZVjU6o3GPqckeYJCNi2tztzvBtsx1pUcrA2fEaLoABk0-LGyknVyzL9-DHM5NIGxL-BBaxYT/s200/packard.JPG" width="149" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjelFpnZAaPcsFDzv3MwXqkP_zhfzzSTVgtMTF8BPJ_gtk2nd1fWG6SICOQI5FVJbRti4eE24CHdwJ9WuI_B7BIgNC_KObDLggS_nP0KbXdnqkMD-ksDQwtdfeqjWtlGiuSiL0Qm3FRUgsY/s1600/red+corvette.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjelFpnZAaPcsFDzv3MwXqkP_zhfzzSTVgtMTF8BPJ_gtk2nd1fWG6SICOQI5FVJbRti4eE24CHdwJ9WuI_B7BIgNC_KObDLggS_nP0KbXdnqkMD-ksDQwtdfeqjWtlGiuSiL0Qm3FRUgsY/s200/red+corvette.JPG" width="149" /></a></div><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiB4J0YVKbRAkktg_WDlpk7OC2r06V9RMhboLPmkwGe0Fu9fXpbOmIdDJRCJwHvYL9qrSThmdsUugNDHORv7m33qMcPCTlt-W6-dC-zzT2ORdWsWgy978lzLNti0teBILTz_GVK2pbvbubS/s1600/blue+truck.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiB4J0YVKbRAkktg_WDlpk7OC2r06V9RMhboLPmkwGe0Fu9fXpbOmIdDJRCJwHvYL9qrSThmdsUugNDHORv7m33qMcPCTlt-W6-dC-zzT2ORdWsWgy978lzLNti0teBILTz_GVK2pbvbubS/s200/blue+truck.JPG" width="149" /></a></div><br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIxD7ndfK0Of-JZT91UGokcljFT78GGw0OZEd8fbme77963Mp5jJTyIpq428Wc9PijxKXN8Unu6WWDNl_ktYr7bBEBG-NuugjvW1TNJq2Ob-XO3OLwoqrCnUCQ2w5ENtHeJ84slv9XCVsQ/s1600/bumber+fins.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIxD7ndfK0Of-JZT91UGokcljFT78GGw0OZEd8fbme77963Mp5jJTyIpq428Wc9PijxKXN8Unu6WWDNl_ktYr7bBEBG-NuugjvW1TNJq2Ob-XO3OLwoqrCnUCQ2w5ENtHeJ84slv9XCVsQ/s200/bumber+fins.JPG" width="149" /></a></div><div class="separator" style="clear: both; text-align: center;">For a quote on your Classic Auto, or any auto please visit us at </div><div class="separator" style="clear: both; text-align: center;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="http://horizonincome.com/personal+auto.html">http://horizonincome.com/personal+auto.html</a></div><div class="separator" style="clear: both; text-align: center;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="http://horizonincome.com/collector+car.html">http://horizonincome.com/collector+car.html</a></div>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-54559768485292142682011-08-18T11:51:00.000-07:002011-08-18T12:08:24.632-07:00Pebble Beach Concours d'Elegance Revving UpReprint from ksbw.com<br />
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Every year, on the third Sunday of August, 200 of the most rare and priceless cars and motorcycles in the world roll cruise onto the 18th fairway at Pebble Beach. Tire meets turf for one of the most competitive events in the automotive world: The Pebble Beach Concours d’Elegance.<br />
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Car enthusiast enjoy wandering among exquisitely restored cars with Pebble Beach's coastline as a backdrop. Concours automobiles and motorcycles are judged based on their historical accuracy, technical merit and style from the grand prize, Best In Show.<br />
<strong><em><a href="http://www.ksbw.com/slideshow/automotive/28886090/detail.html"><span style="color: #336699;"> </span></a></em></strong><br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3KTAB2voMJeB5hf_U5PvU650UT109aI_BxRtdrd6Dnmq_Kehie8mv3ykSiIAt2yLDg1SaN3B45gLkZLYzX73yBCNux106kbuJO2UyAJ8GR6aexLagoELK7NOgJwtKhQULoi_5Uw3BBTPd/s1600/pebble+beach.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="136" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3KTAB2voMJeB5hf_U5PvU650UT109aI_BxRtdrd6Dnmq_Kehie8mv3ykSiIAt2yLDg1SaN3B45gLkZLYzX73yBCNux106kbuJO2UyAJ8GR6aexLagoELK7NOgJwtKhQULoi_5Uw3BBTPd/s200/pebble+beach.jpg" width="200" /></a></div><strong><em><span style="color: #336699;"><a href="http://www.ksbw.com/slideshow/automotive/28886090/detail.html"><span style="color: #3d85c6;">PHOTOS: 2011 Monterey Auto Week</span></a> </span></em></strong><br />
The 2011 featured marques and special classes include: Mercedes-Benz and 125 Years of the Automobile, Stutz Centennial, Ferrari 250 GTO, Edwardian Rolls-Royce Silver Ghosts and Italian Motorcycles.<br />
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During the week leading up to Sunday's competition, innovative concepts and new cars are unveiled for the first time, antique cars with multimillion dollar price tags are auctioned off, and glistening one-of-a-kind automobiles are paraded around town.<br />
<div class="ad-break t-AdBreak hide"><div class="col"><div class="ad adX1 matched" data="field:AdBreak3;typeName:any;evt:EnterViewport;size:adX1;"><div class="ad-label"></div></div></div><div class="textlinks"><div class="ad textads matched" data="field:AdBreak1;typeName:any;evt:EnterViewport;">There are tons of car events going on every day this week. In addition to Sunday's Concours d’Elegance, this week's biggest auto events are:</div></div></div><br />
Wednesday: <br />
<em>Gordon McCall's Motorworks Revival at the Monterey Jet Center</em><br />
Gordon McCall's Motorworks Revival at the Monterey Jet Center is one of the most exclusive lifestyle events of its kind in the country. The one night event privately kicks off the World-Class automobile week held each August on the Monterey Peninsula. With an "A-List" of VIP guests from Hollywood celebrities to Captains of Industry, this "Jet Set" crowd arrives in first-class style, to feast on the latest offerings from some of the world's top luxury brands in a relaxed and elegant party setting.<br />
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Thursday: <br />
<em>Pebble Beach Tour D'Elegance Presented By Rolex</em><br />
The Pebble Beach Tour D'Elegance is open to all entrants in the Pebble Beach Concours d’Elegance. Spectators are invited to view the tour at key points along the route, particularly along Ocean Avenue in Carmel. Admission is free. Schedule: 7-8 a.m. cars line up near Collins Field in Pebble Beach, 8:30 a.m. tour departs, tracing portions of 17-Mile Drive and nearby scenic roads, 11:30 a.m.-noon tour arrives in Carmel-by-the-Sea, noon-2 p.m. cars are displayed on Ocean Avenue, 2-2:30 p.m. tour returns to Pebble Beach.<br />
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Friday: <br />
<em>The Quail, A Motorsports Gathering</em><br />
Held at the Quail Lodge Resort & Golf Club at 8205 Valley Greens Dr. in Carmel, from 11 a.m.-4 p.m. "The Quail provides an unequalled lifestyle experience that combines landmark automobiles, a culinary presentation able to please the most demanding palate, a setting contrasting rolling green lawns and rugged mountain peaks and the renewing of old friendships and the making of new ones in an incomparable atmosphere of serenity, luxury and exclusivity."<br />
Wednesday-Saturday: <br />
<em>RM Monterey</em><br />
<div class="ad-break t-AdBreak hide"><div id="dap868467-NBCCAB-1089" style="width: 300px;"><span style="color: #6699cc;"></span></div><div class="textlinks"><div class="ad textads matched" data="field:AdBreak1;typeName:any;evt:EnterViewport;">"RM Auctions will hold its annual Monterey auction featuring 145 of the world’s finest automobiles and spanning a magnificent range of sports and racing cars, coach built classics and unique concepts." The auction is held at Portola Hotel & Spa and Monterey Conference Center at 2 Portola Plaza in Monterey.</div></div></div><br />
Wednesday: <br />
<em>Automobilia Monterey 9th Annual International Expo</em><br />
"The largest automobilia show in America, and the only time during Concours/Race Week to find these top international dealers in a single venue." Admission is $15 and it runs from 10 a.m.-7 p.m. at the ballroom of the Embassy Suites hotel in Monterey.<br />
Saturday-Sunday: <br />
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<em>Pebble Beach Auction presented by Gooding & Company</em><br />
Held at 5 p.m. Saturday and 6 p.m. Sunday at the Pebble Beach Equestrian Center, within the Pebble Beach grounds at the corner of Portola Road and Stevenson Drive. "Gooding & Company is recognized the world over as a leading exotic and rare car auction house specializing in the finest antique, classic, sports and racing cars. We have consistently achieved record-breaking results including the highest exotic car sales."Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-87966759754066216772011-08-08T15:55:00.000-07:002011-08-09T08:39:37.930-07:00United States Starts Hosting America's Cup Races Begining in 2012Are you as excited as we are to learn that America's Cup will be hosted here in the U.S. for the first time since 1995? As boating enthusiasts, us folks here at Horizon Income are beyond ourselves with joy! There is no more beautiful place on this earth to view the magnificent boats than on San Francisco Bay. Book your hotels early! Here's a reprint of the Golden Gate Yacht Club press release to give you a little more info. And if you need a quote on your boat insurance don't forget to check us out first at <a href="http://horizonincome.com/boat+insurance.html">http://horizonincome.com/boat+insurance.html</a><br />
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<tr> <td width="100%"><div align="left" class="cihead"><b>2013 America's Cup<span style="font-family: Verdana;"> in San Francisco</span></b><span style="font-family: Verdana; font-size: x-small;"><b>Press Release</b></span></div><div align="left" style="margin-bottom: 0px;"><span style="color: silver; font-family: Verdana; font-size: xx-small;">San Francisco, December 31, 2010</span></div><div align="left" style="margin-bottom: 0px;"><img border="0" height="5" src="http://www.cupinfo.com/images/ciribbon5-720-5.jpg" width="718" /></div></td></tr>
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<tr> <td width="350"><span style="color: silver; font-size: x-small;">California here we come.</span><span style="color: #787c88; font-size: xx-small;"><br />
Image: 2011 Gilles Martin-Raget/americascup.com</span></td> <td></td></tr>
</tbody></table><div class="cibody">Competition for oldest trophy in international sport once again returns to American waters.</div><div class="cibody">San Francisco has been selected as the host venue for the 34th America's Cup. An official celebration event will be hosted in San Francisco on January 5th, event location details to be announced.</div><div class="cibody">"We sought a venue that fulfills our promise to showcase the best sailors in the world competing on the fastest boats," said Richard Worth, Chairman, America's Cup Event Authority. "And hosting the America's Cup in San Francisco will realize that promise."</div><div class="cibody">"We thank Mayor Newsom, Board President Chiu, Supervisor Mirkarimi and all of the Board of Supervisors, the staff at City Hall and the Port Authority, Mark Buell and San Francisco America's Cup Organizing Committee, and all who have worked so diligently on securing the bid," Worth continued. "We look forward to working closely with City of San Francisco over the coming months to create a world-class America's Cup event, and a large and lasting beneficial impact on the City."</div><div class="cibody">The world-famous San Francisco Bay will be home to the 2013 America's Cup Finals and the Challenger Selection Series for the Louis Vuitton Cup, as well as an America's Cup World Series event in 2012. This will be the first time the America's Cup has been hosted in the United States since 1995.</div><div class="cibody">"Today is one of great celebration, with San Francisco winning the right to host the America's Cup, and all of the economic benefit, jobs and excitement that comes with it," said Mayor Gavin Newsom. "San Francisco is the best place on Earth to host an event of this stature, and we could not be more proud to be the city that brings the America's Cup back home to the United States."</div><div class="cibody">Independent studies show that the America's Cup delivers the third largest economic impact in sport to host countries, behind the Olympic Games and soccer's World Cup. The 34th America's Cup is projected to pump an estimated $1.4 billion dollars into the San Francisco region.</div><div class="cibody">"As a native San Franciscan, I grew up sailing in front of the City. Racing for the America's Cup in San Francisco is something I have dreamt of my whole life," said Paul Cayard, CEO of Sweden's Artemis Racing, a challenger for the 34th America's Cup. "By hosting sailing's most important event in the Bay, the world will see sailing as it never has before. As a team, Artemis Racing is particularly looking forward to competing in San Francisco."</div><div class="cibody">Racing will be held on the iconic San Francisco Cityfront and be visible from world-renown tourist destinations such as the Golden Gate Bridge, the Marin Headlands, Crissy Field, the Embarcadero and Fisherman's Wharf. An influx of millions of tourists is expected for the Challenger Series for the Louis Vuitton Cup and the America's Cup Finals in late 2013.</div><div class="cibody">"My support for San Francisco hosting the America's Cup goes beyond the opportunity to see our team competing on home waters," said Russell Coutts, CEO, Oracle Racing, the current America's Cup defending team. "We are excited to sail for our sport's greatest trophy, on a stretch of water legendary among sailors worldwide."</div><div class="cibody">The Race Village will be constructed on Piers 19 and 29, with the team bases at and around Pier 30/32. As part of the plan, the America's Cup Event Authority will redevelop these piers as well as the surrounding infrastructure to support the racing, while rehabilitating the piers for the enjoyment of generations of San Franciscans to come.</div><div class="cibody">With a goal of creating the most dynamic America's Cup in history for fans and participants, changes have been introduced to the 34th edition. Enhancements include the introduction of groundbreaking new 72' wing-sailed catamarans capable of speeds in excess of 40 miles per hour, new race formats and rules, and a transformed media and online broadcasting approach to enable an interactive viewer experience.</div><div class="cibody">In the summer of 2011, America's Cup teams will commence racing in the new America's Cup World Series in the new wing-sailed AC45 catamaran. The America's Cup World Series calendar of events will be published in early 2011.</div><div class="cibody"><br />
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</tbody></table>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-76063353431786558512011-08-01T13:54:00.000-07:002011-08-01T13:54:14.615-07:00Taking Care of Your Boat Engine<h1><span style="font-family: Arial;"><o:p> </o:p></span></h1><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3VtKT7fJC845reDyxnlWBmNnGfc2lwSzNhaW_9QemvVPbsv6_36Xn_WRy-itvhRDoAxzfxZGdyeYqZZ516pVChRRmBKb4LX8Q7Ah3y4iaYprvcrPNsVrUBNVJk7gmD7X24c2C_g_rX9A0/s1600/seagull.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="133" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3VtKT7fJC845reDyxnlWBmNnGfc2lwSzNhaW_9QemvVPbsv6_36Xn_WRy-itvhRDoAxzfxZGdyeYqZZ516pVChRRmBKb4LX8Q7Ah3y4iaYprvcrPNsVrUBNVJk7gmD7X24c2C_g_rX9A0/s200/seagull.jpg" width="200" /></a></div><h1><span style="font-family: Arial;"> Engine Exhaust Manifolds</span></h1><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-size: 11pt; mso-bidi-font-size: 10.0pt;"> Marine engine exhaust manifolds and risers must be inspected and replaced regularly or they can fail and cause catastrophic damage to the power plant. Risers and manifolds are the part of the engine that allows exhaust gases and cooling water to be discharged from the system during operation.<o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-size: 11pt; mso-bidi-font-size: 10.0pt;"> Manifolds and risers are water-jacketed, which means the water chamber is separated from the gas section by a dividing wall. Over time, hot exhaust gases and raw cooling water, especially salt water, corrode the chamber allowing the water to enter the dry side of the part. When this happens, the water can fill the engine, causing all kinds of damage that can put the engine out of commission permanently. The failure often occurs when the engine is running, which means the misdirected water enters the cylinders when the pistons are moving. Because water does not compress, the connecting rods, push rods, and engine block end up distorting and breaking. Sometimes the damage is so severe that the block is not even suitable as a core for rebuilding. To prevent damage of this magnitude, many manufacturers recommend replacing risers every three years and manifolds every five years. Although changing these parts this often may be may be questionable, inspecting them often is not. <o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-size: 11pt; mso-bidi-font-size: 10.0pt;"> One telltale sign of impending failure is rust around the manifold to riser joint. This joint will often leak during operation, because the water passages are partially obstructed and cannot handle the volume of water that is pumped through the engine. Another sign of a failing riser is an engine that overheats. Many boat owners spend a lot of time and money replacing water pumps, exchangers, and thermostats only to find that their engines still overheat. A competent marine repair facility can pressure test manifolds and risers to check for leaks. Visual inspection is also valuable. <o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-size: 11pt; mso-bidi-font-size: 10.0pt;"> If you take good care of your manifolds and risers, you’ll save money, and maybe even your boat, in the long run.<o:p></o:p></span></div><div class="MsoNormal"><br />
For more information go to <a href="http://horizonincome.com/boat+insurance.html">http://horizonincome.com/boat+insurance.html</a> </div><div class="MsoNormal"><br />
</div>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-5845288554677026082011-07-27T15:52:00.000-07:002011-07-27T15:52:04.353-07:00Helpful Tips for Long Motorcycle Trips<div class="MsoNormal" style="line-height: 150%;"><br />
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<tr><td class="tr-caption" style="text-align: center;">Plan a motorcycle trip this summer.</td></tr>
</tbody></table><span style="font-family: Arial;"> When it comes to traveling the highways and byways on a motorcycle, it is often said that the joy is not in the final destination, but in the journey. Seeing the country on a motorcycle should be all about freedom, exhilaration, the open road...but there are things that could happen that could turn your wonderful adventure into a nightmare. <o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%;"><span style="font-family: Arial;">Remember that handling a bike takes more skill and awareness than operating a car. You need to think of balance, maneuvering, the possibility of inclement weather conditions and maintaining your stamina. Experience is the best teacher, but here are a few good tips to help you feel better prepared to go on that long journey.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l1 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">Know your limits: </span></b><span style="font-family: Arial;">If you don’t have experience taking long rides, plan your trip to allow for an adequate number of stops. Put in longer days on the front end of the trip as they are probably going to be the days you feel the best and have the most stamina. Keep a close check on how you feel. If there’s any breakdown in your attention, you are putting yourself and others in danger.<b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l1 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">Don’t rely on caffeine to keep you awake:</span></b><span style="font-family: Arial;"> If you’re feeling tired, you need to stop. Operating a motorcycle when your senses are less than one hundred percent is hazardous.<b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l1 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">Prepare your bike before the trip:</span></b><span style="font-family: Arial;"> Change the oil and filter, check fork oil levels and fork seals, adjust cables, adjust drive and lube chains, inspect tires, check tire pressure and tighten fasteners. Check all gauges, lights and signals to ensure everything is working properly. <b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l1 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">Test out any new accessories or gear before the trip:</span></b><span style="font-family: Arial;"> Don’t wait until you’re out on the road to pull that new rain gear out of the package or test out a new helmet only to find it doesn’t fit correctly, is defective or is different than what you thought you bought.<span style="mso-spacerun: yes;"> </span><b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">Upgrade your tool kit before heading out:</span></b><span style="font-family: Arial;"> Make sure you have the necessary tools to avoid being stranded on the side of the road if something comes disconnected, or needs to be tightened or replaced. Consult your owner’s manual or shop manual for your bike and see what types of tools are recommended for your model. If the bike comes with a tool kit, examine it and determine if you need more tools. At any rate, always take the tool kit with you on the bike. You should at least carry the following tools with you: screwdrivers (assorted regular and Phillips), pliers, wrenches (Allen, Torx, spark plug, open-end, adjustable, and combination in sizes needed for your model), and Loc-Tite to keep fasteners from loosening or falling off.<span style="mso-spacerun: yes;"> </span>Make sure you carry a flat repair kit and know how to use it.</span><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqig5LCJbtoa59GGWNoGQApT7jotEiez1TAVEUJl1NgC0Xrzo5MN7nT7EIwRgQAkypNVLq5WrD1TdIsI9hRv6sW-KfEUpb_G2fj0DKFb_YDnuDaie_Tod7VWgsArpS5u7-MO4207qweSX6/s1600/motocycleroad.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="133" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqig5LCJbtoa59GGWNoGQApT7jotEiez1TAVEUJl1NgC0Xrzo5MN7nT7EIwRgQAkypNVLq5WrD1TdIsI9hRv6sW-KfEUpb_G2fj0DKFb_YDnuDaie_Tod7VWgsArpS5u7-MO4207qweSX6/s200/motocycleroad.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Enjoy the scenery and have fun!</td></tr>
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</div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">Make sure you have adequate insurance coverage with Towing and Roadside Assistance:</span></b><span style="font-family: Arial;"> Although you don’t want to think about bad things happening on your trip, there is peace of mind in knowing that if something goes wrong you have a customized insurance policy to cover it. And if your bike breaks down and can’t be ridden, there is nothing that takes the place of Towing and Roadside Assistance to bring you gas, a battery or to tow your bike to the nearest repair shop. Some companies will even offer Trip Interruption coverage, in the event that your bike can’t be ridden due to a covered collision, to help pay for meals and accommodations if you’re far from home.<b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">Pack wisely: </span></b><span style="font-family: Arial;">Make sure that you are aware of what you’re taking, that you pack light and only bring what you’ll need. Some things are necessary such as clothing, toiletries and rain gear, but limit the amount of things you pack and try to distribute weight evenly. Make sure that you have ways to secure your belongings, whether you take your luggage with you when you stop to eat or pack your valuables in lockable storage areas on your bike. Items that are left unsecured are a target for thieves, even if you’re only going to be away for a minute or two. Make a checklist and go over it a few times to ensure you have everything you need.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">Eat right: </span></b><span style="font-family: Arial;">When you’re out on the road, it’s important that you keep your energy and stamina up by eating well and frequently enough. Make sure that you build time for these stops into your travel plans. Carry water with you at all times and stop occasionally to drink and keep yourself hydrated.<b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">Dress appropriately:</span></b><span style="font-family: Arial;"> Even in the summer, it can get chilly at night and in higher elevations. Bring along extra layers or an electric vest for warmth. Purchase good quality rain gear and put it on <u>before</u> it starts raining. Once your clothes are wet, you’ll be very uncomfortable with damp clothes on underneath your rain gear. You should also dress to be seen. Make sure your outer layers are bright colors, and a brightly-colored helmet is helpful as well. The better other motorists can see you, the safer you are.<b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">Get gas before you need it:</span></b><span style="font-family: Arial;"> Don’t wait too long, otherwise you could end up far from a gas station and in need of fuel. Bring a cell phone along just in case you need to call for Towing and Roadside Assistance.<b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">Plan ahead:</span></b><span style="font-family: Arial;"> Spend time each night going over you travel plans for the next day. Get a feel for the route, how long you think you’ll ride and places where you might want to stop.<b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l0 level1 lfo2; text-indent: -0.25in;"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">Keep it fun:</span></b><span style="font-family: Arial;"> Remember the reasons you chose to take a long trip on your motorcycle. Enjoy the scenery, use opportunities you get to meet new people and see new things if that was one of your reasons...or enjoy your freedom and time alone if that was your goal. <b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%;"><span style="font-family: Arial;">If you plan ahead and are prepared, long motorcycle trips can be incredibly rewarding, fun and memorable. Following these tips can’t guarantee that nothing will go wrong... the possibility surely exists when you’re dealing with the elements and unfamiliar places. But it will help ensure that you’re prepared for just about any surprises that may occur.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%;"><span style="font-family: Arial;">Visit www.HorizonIncome.com and see what Horizon can offer with the Motorcycle program or any of our other specialized programs for off-road vehicles, mobile homes, motor homes, travel trailers, personal watercraft and boats!</span><br />
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<span style="font-family: Arial;"><o:p>For more information go to <a href="http://horizonincome.com/motorcycles.html">http://horizonincome.com/motorcycles.html</a></o:p></span><br />
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</div>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-6037521769091033382011-07-25T12:41:00.000-07:002011-07-25T12:41:58.662-07:00Boating Safety Tips<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><div align="LEFT"></div></span><div align="LEFT"></div></span><div align="LEFT"></div></span><div align="LEFT"></div></b><br />
<div align="LEFT"><b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"> When Out on the Waves, Put Safety First</span></span></span></b></div><b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><div align="LEFT"><div style="text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgql2uxD4gbrA4aLeQtTaz8Za0a5yEvumhDk1cwgGo_6Dna5rBEAbkrJvuRVEnMNnwdTkIRsuyxUPp-_vrCeufwQP8EocrDyF4PsF7YBZpXnMCsyLTH6VhkupsXVk6KlTjlVtltJpxcG06Y/s1600/boat.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgql2uxD4gbrA4aLeQtTaz8Za0a5yEvumhDk1cwgGo_6Dna5rBEAbkrJvuRVEnMNnwdTkIRsuyxUPp-_vrCeufwQP8EocrDyF4PsF7YBZpXnMCsyLTH6VhkupsXVk6KlTjlVtltJpxcG06Y/s1600/boat.jpg" /></a></div></div></span></span></span></b><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><div align="LEFT"><span style="font-size: small;"> Weather can change abruptly in a moment’s notice. Other boaters may intersect your path. Emergencies happen.</span></div><br />
<span style="font-size: small;"> </span><span style="font-size: small;">Applying these safety tips can help you enjoy the wind and the waves – and add to your peace of mind.</span></span></span><b><span style="font-family: AGaramond-Bold;"><span style="font-family: AGaramond-Bold;"></span></span></b><br />
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<b><span style="font-family: AGaramond-Bold;"><span style="font-family: AGaramond-Bold;"><div align="LEFT">Boating Safety Tips</div></span></span><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span><br />
<span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><div align="LEFT"><table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisj6dmKr13LKCWBNyt4wHcol51RUdepCaOc5h5gLFPCzfIfOCe_BZBF61UO7c2cJNTXQ9z95RGCurE5I1KH_Jwuc4ouSs2Efiniuk8i94dQa8Mf1UHCTl2aAYftaF79hW1IbJyYs2ORcES/s1600/thunder+storm.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisj6dmKr13LKCWBNyt4wHcol51RUdepCaOc5h5gLFPCzfIfOCe_BZBF61UO7c2cJNTXQ9z95RGCurE5I1KH_Jwuc4ouSs2Efiniuk8i94dQa8Mf1UHCTl2aAYftaF79hW1IbJyYs2ORcES/s200/thunder+storm.jpg" width="132" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Watch for bad weather</td></tr>
</tbody></table>Be aware of weather</div></span></span></span></b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><br />
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<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><div align="LEFT"><span style="font-size: small;">Stay alert for bad weather signs while boating. Listen </span><span style="font-size: small;">to a portable weather radio while on the water. If </span><span style="font-size: small;">a Small Craft Advisory is announced, get to shore </span><span style="font-size: small;">immediately. Because water conducts electricity, it’s </span><span style="font-size: small;">important to get off the water at the very first sign that </span><span style="font-size: small;">lightning could strike.</span></div></span><div align="LEFT"></div></span><br />
<div align="LEFT"><b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span></b></div><b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><div align="LEFT"><br />
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Know the rules</div></span></span></span></b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><div align="LEFT"><span style="font-size: small;">- You are responsible for the safety of those on board </span><span style="font-size: small;">your boat and other boaters. Learn to recognize</span><br />
<span style="font-size: small;"> </span><span style="font-size: small;">distress signals and rules:</span></div></span></span><span style="font-family: CourierNewPSMT;"><span style="font-family: CourierNewPSMT;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">- The vessel on the right has the right of way, </span></span><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">as well as any boat being overtaken </span></span><br />
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<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">- Powerboats must yield to sail boats, row </span></span><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">boats and paddle boats</span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><span style="font-family: CourierNewPSMT;"><span style="font-family: CourierNewPSMT;"></span></span><br />
<span style="font-family: CourierNewPSMT;"><span style="font-family: CourierNewPSMT;"></span></span> - <span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Stay well clear of all big vessels</span></span><br />
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<div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">- Navigate slowly and cautiously in a narrow </span></span><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">waterway</span></span></div><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><div align="LEFT">Take care in cold water</div></span></span></span></b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><br />
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<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><div align="LEFT"><span style="font-size: small;">Hypothermia can kill. If you must enter cold water, </span><span style="font-size: small;">button up any clothing you can, put on your Personal </span><span style="font-size: small;">Floatation Device (PFD), try to cover your head and </span><span style="font-size: small;">enter the water slowly. If your boat capsizes, it will </span><span style="font-size: small;">likely float on or just below the surface of the water.</span></div><br />
<span style="font-size: small;"> </span><span style="font-size: small;">Try to get as much of your body out of the water as </span><span style="font-size: small;">possible by climbing onto the boat. Do NOT discard </span><span style="font-size: small;">clothing; it will help trap heat. Draw your knees up </span><span style="font-size: small;">to lessen the escape of heat. And if there are several </span><span style="font-size: small;">people in the water, huddle together so you can </span><span style="font-size: small;">conserve heat.</span></span></span><b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><div align="LEFT">Stay sharp</div></span></span></span></b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><br />
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<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><div align="LEFT"><span style="font-size: small;">Alcohol, drugs, medications and fatigue can all impair </span><span style="font-size: small;">your ability to reason and make sound judgments. </span><span style="font-size: small;">Up to half of all boating accidents involve alcohol, </span><span style="font-size: small;">and a person under the influence is up to 10 times </span><span style="font-size: small;">more likely to be killed in a boating accident than one </span><span style="font-size: small;">who has not been drinking. Combining the effects of </span><span style="font-size: small;">alcohol and cold water can also speed the onset of </span><span style="font-size: small;">hypothermia, causing even good swimmers to drown.</span></div><br />
<span style="font-size: small;"> </span><div align="LEFT"><span style="font-size: small;">DO NOT drink or take any medication or drugs that </span><span style="font-size: small;">might impair your judgment when operating your boat</span>.</div></span><div align="LEFT"></div></span><br />
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<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span></b><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjKkLnFbqSHgPuxwp2EqYVGJNbbrGJbXHghJ-VKwxwf5gCkx-viPi7WiOztSjHPjjjjfTPt-ytqH9d6sBafIQxiBJhaJoX1ciM0C5Qi7yBf5PYl6v-vkQJ47Ft-x5b0gQ-ln2EqaFraZBJo/s1600/water+skiier.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjKkLnFbqSHgPuxwp2EqYVGJNbbrGJbXHghJ-VKwxwf5gCkx-viPi7WiOztSjHPjjjjfTPt-ytqH9d6sBafIQxiBJhaJoX1ciM0C5Qi7yBf5PYl6v-vkQJ47Ft-x5b0gQ-ln2EqaFraZBJo/s200/water+skiier.jpg" width="160" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Practice boating safety</td></tr>
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Water skiing, knee-boarding and tubing</div></span></span></span></b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><br />
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<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><div align="LEFT"><span style="font-size: small;">The driver of the boat, the person being pulled and the </span><span style="font-size: small;">observer must operate as a team. You all need to know </span><span style="font-size: small;">the equipment, boating laws, the fundamentals of the </span><span style="font-size: small;">sports and how to work together to make these water </span><span style="font-size: small;">sports safe and fun. Make sure you know and use hand </span><span style="font-size: small;">signals. Ensure the water where you’re boating is free </span><span style="font-size: small;">of obstacles. And when you’re picking up a fallen skier, </span><span style="font-size: small;">approach carefully from the driver’s side so the skier is </span><span style="font-size: small;">always visible. Turn off the engine when near a skier to</span><br />
<span style="font-size: small;"> </span><span style="font-size: small;">avoid injury from the propeller.</span></div></span></span><b><span style="font-family: Helvetica-Condensed-Bold; font-size: xx-small;"><span style="font-family: Helvetica-Condensed-Bold; font-size: xx-small;"></span></span></b><br />
<b><span style="font-family: Helvetica-Condensed-Bold; font-size: xx-small;"><span style="font-family: Helvetica-Condensed-Bold; font-size: xx-small;"></span></span></b><b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><div align="LEFT">Learn more</div></span></span></span></b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><br />
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<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><div align="LEFT"><span style="font-size: small;">Improve your boating skills by taking a beginner or </span><span style="font-size: small;">experienced boating safety course. The United States </span><span style="font-size: small;">Power Squadron, United States Coast Guard Auxiliary, </span><span style="font-size: small;">United States Sailing Association and the American Red </span><span style="font-size: small;">Cross all offer boating safety courses on what you need </span><span style="font-size: small;">to know to hit the waves safely. And taking a boating </span><span style="font-size: small;">safety course might make you eligible for insurance </span><span style="font-size: small;">discounts as well.</span></div></span></span><b><span style="font-family: Futura-CondensedBold; font-size: x-small;"><span style="font-family: Futura-CondensedBold; font-size: x-small;"></span></span></b><br />
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<b><span style="font-family: Futura-CondensedBold; font-size: x-small;"><span style="font-family: Futura-CondensedBold; font-size: small;"><div align="LEFT">Horizon insures specialty products</div></span></span></b><span style="font-family: Futura-CondensedBold;"><span style="font-family: Futura-CondensedBold;"><div align="LEFT"></div></span></span><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Not only can you trust safety </span></span><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">information from Horizon, but you can trust our broad insurance policies that give you the coverage you want. Contact your local Horizon agent today for a policy that gives you more!</span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><div align="LEFT">Choose Horizon</div></span></span></span></b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"></span></span></span><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><br />
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<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><div align="LEFT"><span style="font-size: small;">Check out our other insurance programs at </span><a href="http://www.horizonincome.com/"><span style="font-size: small;">www.HorizonIncome.com</span></a><span style="font-size: small;"> for Manufactured Homes,</span></div><span style="font-size: small;">Specialty Homeowners including Landlord, Vacant </span><span style="font-size: small;">and Rental Properties, Motorcycles, Off-Road Vehicles, </span><span style="font-size: small;">Motor Homes, Travel Trailers, Boats, Personal Watercraft </span><span style="font-size: small;">and Collectible Autos.</span><br />
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<span style="font-size: small;">To get the right coverage for your boat go to <a href="http://horizonincome.com/boat+insurance.html">http://horizonincome.com/boat+insurance.html</a></span><br />
</span></span><b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"></span></span></span></b>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-9437533217064246412011-07-20T12:32:00.000-07:002011-07-20T13:47:13.266-07:00Smoke Detectors Save Lives<div align="LEFT"></div><br />
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<span style="font-size: large;"><strong>Fire Prevention Tips for Homeowners</strong></span><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh22i96ccopePrthPS2Oy2YuszXpmMcvFfV7vUc09DzZk26wAiYlu1OWdJ121va-VElgtUp-hrfB0T1bxNRjAacbN2gNLQrn0W1wueTSFz5hHZPMzi8uySTU71Xg7Y7d_XOUMM2bjUWFdW0/s1600/house+fire.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="132" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh22i96ccopePrthPS2Oy2YuszXpmMcvFfV7vUc09DzZk26wAiYlu1OWdJ121va-VElgtUp-hrfB0T1bxNRjAacbN2gNLQrn0W1wueTSFz5hHZPMzi8uySTU71Xg7Y7d_XOUMM2bjUWFdW0/s200/house+fire.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: x-small;">Smoke alarms save lives.</span></td></tr>
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<strong> </strong><span style="font-size: small;"><strong>M</strong>ore than half of all fatal home fires occur while people sleep. That’s why smoke detectors are so essential. They can warn you before you smell smoke and give you time to get to safety. We recommend at least one smoke detector on every level of your home, including the basement and the attic. </span><br />
</span></span><b><span style="font-family: Futura Condensed,Futura Condensed; font-size: medium;"><span style="font-family: Futura Condensed,Futura Condensed; font-size: medium;"></span></span></b><br />
<b><span style="font-family: Futura Condensed,Futura Condensed; font-size: medium;"><span style="font-family: Futura Condensed,Futura Condensed; font-size: medium;">Here are some important things to remember when installing smoke detectors</span></span><span style="font-family: Futura Condensed,Futura Condensed; font-size: x-small;"><span style="font-family: Futura Condensed,Futura Condensed; font-size: small;">To be extra safe, install one both outside and inside all sleeping areas.</span></span></b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;">Having at least two smoke detectors in your home makes it far less likely that both will be inoperative at the same time. </span></span><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"> </span></span><br />
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<dir><dir><b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"><br />
If your smoke alarms are wired into the home’s electrical system (hard-wired),</span></span></b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"></span></span><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;">you will need to have a qualified electrician do the initial installation or install replacements.</span></span><br />
<span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"> </span></span><b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"><br />
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For battery powered smoke alarms,</span></span></b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"></span></span><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;">all you will need for installation is a screwdriver. Some brands are self-adhesive and will easily stick to the wall or ceiling.</span></span><br />
<span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"> </span></span><b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"><br />
Be sure to follow the manufacturer’s installation instructions</span></span></b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"></span></span><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;">because there are differences between the various brands. </span></span><i><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;">Remember: Battery-powered smoke alarms typically require batteries to be replaced at least once per year. The whole unit should be replaced every 8-10 years. </span></span></i><br />
<i><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"> </span></span></i><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"></span></span><b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"><br />
If your home’s smoke detectors are powered by electricity,</span></span></b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"></span></span><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;">add at least one battery-powered detector in case of power outages. </span></span><br />
<span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"> </span></span><b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"><br />
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Choose a smoke detector that’s been approved by an independent laboratory.</span></span></b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"><br />
<b>Test smoke detectors monthly.</b></span></span><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;">Never disconnect the batteries.</span></span><br />
<span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"> </span></span><b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"><br />
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Test your alarms while your children sleep to make sure they will wake them up.</span></span></b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"></span></span><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;">Sometimes the sound of a smoke alarm doesn’t wake small children.</span></span><br />
<span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"> </span></span><b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"><br />
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Change batteries at least once a year</span></span></b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;">whether the batteries seem weak or not. Listen for the detector’s signal or beep that indicates a weak battery and change it immediately.</span></span><br />
<span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"> </span></span><b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"><br />
Follow the manufacturer’s instructions to clean your smoke detectors.</span></span></b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;"></span></span><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;">Excessive dust, grease or other materials may cause them to operate improperly. Vacuum the detector’s grillwork.</span></span><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjh1lBgCrNf4sfnbAEL0EQwBlHx7aZhyphenhyphenOrmQ84hFWoaGezby9MwZEj3WKU-lFdF4Sn3S8j9yZo-2q2xcvIPeP6DmzlB88JKtIkHXn5CKOPeIxjkXVtlngi4F50m4c5SSjXi4fruyYAw8URu/s1600/house+fire+2.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjh1lBgCrNf4sfnbAEL0EQwBlHx7aZhyphenhyphenOrmQ84hFWoaGezby9MwZEj3WKU-lFdF4Sn3S8j9yZo-2q2xcvIPeP6DmzlB88JKtIkHXn5CKOPeIxjkXVtlngi4F50m4c5SSjXi4fruyYAw8URu/s200/house+fire+2.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Make sure your alarm is loud enough.</td></tr>
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<b><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;">For more information on smoke alarms:</span></span></b></dir><dir></dir><dir><span style="font-family: Futura Condensed,Futura Condensed;"><span style="font-family: Futura Condensed,Futura Condensed;">please visit the USFA Web site at <a href="http://www.usfa.dhs.gov/citizens">www.usfa.dhs.gov/citizens</a></span></span><br />
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<span style="font-size: small;">Make sure your covered for fire. For a free review <span style="font-size: small;">of your homeowners policy contact us at:</span></span><br />
<a href="http://horizonincome.com/homeowners.html"><span style="font-size: small;">http://horizonincome.com/homeowners.html</span></a><br />
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<span style="font-family: Helvetica Condensed,Helvetica Condensed; font-size: xx-small;"><span style="font-family: Helvetica Condensed,Helvetica Condensed; font-size: xx-small;"></span></span>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-18409150080338010722011-07-18T17:22:00.000-07:002011-07-18T18:01:36.220-07:00Protecting Your Motorcycle Against Theft<h1 style="line-height: 150%;"><span class="Apple-style-span" style="font-size: medium;"><span class="Apple-style-span" style="font-size: 15px; line-height: 22px;"><br />
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</div><div class="MsoNormal" style="line-height: 150%;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYtt0d8gcmrCOPYUc3DWZFvV-4QYa0_SuJh8b08mFCCbVJ-57By20c8a5DfTbNiY6wpmKl2deswOK_vcnAv2c9n2EAvdUOAszDJ2PvsI1a77HNF0G7uNHKoNnl0-YzCf6b4EYP3LwtLmHU/s1600/motorcycle.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="133" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYtt0d8gcmrCOPYUc3DWZFvV-4QYa0_SuJh8b08mFCCbVJ-57By20c8a5DfTbNiY6wpmKl2deswOK_vcnAv2c9n2EAvdUOAszDJ2PvsI1a77HNF0G7uNHKoNnl0-YzCf6b4EYP3LwtLmHU/s200/motorcycle.jpg" width="200" /></a></div><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;"> </span><br />
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<span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;"> According to National Insurance Crime Bureau statistics, motor vehicle thefts are on the rise, and among the vehicles being targeted are motorcycles. It’s one thing to have your property stolen, but if it is something you love and have become attached to, that is a different story altogether. And only 25% to 30% of motorcycles are recovered after theft.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%;"><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Thieves steal motorcycles to resell the whole bike or to strip it down and sell the parts. The fact that motorcycles are small and relatively easy to move makes them particularly vulnerable to theft. Smart thieves will find a way to steal your bike if they really want it, but there are things you can do to protect your investment and make your motorcycle less appealing to a thief. You can make it bothersome for them to try to steal it.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%;"><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">There are several relatively simple and inexpensive ways to help protect your motorcycle from ending up in the back of a thief’s van. One of these methods alone might not be enough to deter a determined thief, but using more than one – or better yet, several – of these methods just might make the difference in whether a thief stops at your house or keeps going.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><h1 style="line-height: 150%;"><span style="font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Keep Your Bike Out of Sight<o:p></o:p></span></h1><div class="MsoNormal" style="line-height: 150%;"><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">The best bet is to keep your motorcycle in a locked garage. For some people, this might not be an option. If you have to keep your bike parked outside, start by keeping it in a well-lit area and out of direct view from the street. It should be covered with a plain cover that is free of logos or brand names. If the thief can’t tell by the cover what type of motorcycle is underneath, they may be more inclined to pass it over. In addition, you should keep the cover locked to the bike with a cable lock. However, this won’t prevent a thief from picking up the whole bike and taking it, cover and all. That’s why it is important to use this in conjunction with other security measures. <o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><h1 style="line-height: 150%;"><span style="font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Lock Your Bike to a Stationary Object<o:p></o:p></span></h1><div class="MsoNormal" style="line-height: 150%;"><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Even if you have your bike in a locked garage when not in use, it is a good idea to also have it locked to something immovable. One method would be to cement a steel eye to the floor to put a chain or cable through. When using a chain or cable lock, be sure to loop it through the frame or another stable part of the bike. When you’re out riding and leave your bike parked outside, always use your steering lock – this is your first step of defense. In addition, you should use two or more locks of different types. If possible, park your bike where you can see it and check on it periodically.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><h1 style="line-height: 150%;"><span style="font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Make Good Lock Choices<o:p></o:p></span></h1><div class="MsoNormal" style="line-height: 150%;"><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">When choosing locks, it’s not a good idea to spare expense. Choose good locks. Types of locks include serpentine link locks, u-locks and chains. Record key numbers and then file them off the locks if they are stamped on them. Locks attached to your bike should not touch the ground. If a lock is lying on the ground, it is easier for a thief to use a hard item to pound the lock until it breaks. Even if you keep your motorcycle in a locked garage, it’s always a good idea to look around to make sure you’re not providing a thief with the tools to dismantle your locks. There are usually a lot of tools in a garage and with time and determination, a thief will be able to remove the locks from your bike.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><h1 style="line-height: 150%;"><span style="font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Other Devices<o:p></o:p></span></h1><div class="MsoNormal" style="line-height: 150%;"><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">There are several new mechanical devices that can help ensure you’ll find your bike where you left it. Many dealers are now selling motorcycles with alarms as a standard feature, as well as similar anti-theft devices. An alarm alone is not an effective deterrent, but in combination with other methods, a wailing alarm is liable to make a thief think twice. Even if your motorcycle isn’t equipped with an alarm, you can get stickers that say that there is an alarm installed and put them on your bike. You can also purchase anti-prying devices, pick-resistant mechanisms or you can install one or more kill switches to make the motorcycle impossible to start.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><h1 style="line-height: 150%;"><span style="font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Common Sense<o:p></o:p></span></h1><div class="MsoNormal" style="line-height: 150%;"><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">The best way to protect your motorcycle from theft is to use common sense. Don’t leave the keys in the ignition or anywhere within close proximity to the bike. Make sure that you choose the safest places possible to park or store your bike. And don’t lock your bike down to something that can easily be moved or broken and assume it’s still going to be there when you come back.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIu-fknCwhPElqxTKIpRiBa3Di4RivR-wuu-W1XykUbIYSyuUDXzJd36aY1QavfHcF-EkJb2ma3pKBVhFaMk_uDdWtzHTGYfPlXL1BPksZyfL2RQd2rxWn5TJFIFe8t9fr7SmG8TzxYbge/s1600/motorcycle+horizon.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="141" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIu-fknCwhPElqxTKIpRiBa3Di4RivR-wuu-W1XykUbIYSyuUDXzJd36aY1QavfHcF-EkJb2ma3pKBVhFaMk_uDdWtzHTGYfPlXL1BPksZyfL2RQd2rxWn5TJFIFe8t9fr7SmG8TzxYbge/s200/motorcycle+horizon.jpg" width="200" /></a></div><h1 style="line-height: 150%;"><span style="font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;"> Insure Your Investment<o:p></o:p></span></h1><div class="MsoNormal" style="line-height: 150%;"><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;"> In addition to being confident that you are doing what you can to protect your motorcycle, it’s important that you have the right insurance. You need an insurance policy that offers the coverages that are important to your specific bike and lifestyle. If you think your motorcycle is adequately covered when you add it through an endorsement on your homeowners policy, chances are you’re mistaken...a lesson that you don’t want to learn first-hand come claim time.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%;"><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Important things to look for when choosing a specialized insurance policy for your motorcycle are things like:<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l0 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; font-size: 11pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Safety Apparel Coverage to protect your investment in helmets, leathers, gloves and any other clothing designed to minimize injury in the event of an accident.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l0 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; font-size: 11pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Optional Equipment Coverage for chroming, custom painting, side cars or anything else that was not included as standard by the manufacturer.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l0 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; font-size: 11pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Optional Towing and Roadside Assistance in case your bike breaks down and can’t be ridden when you’re away from home or you run out of gas, get a flat or have mechanical issues.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l0 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; font-size: 11pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Optional Replacement Cost Coverage on bikes purchased new and insured within 30 days.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l0 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; font-size: 11pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Flexible payment plans so you can choose the plan that best fits your budget.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l0 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; font-size: 11pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Deductible and coverage limit options.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%; margin-left: 0.25in; mso-list: l0 level1 lfo1; text-indent: -0.25in;"><span style="font-family: Symbol; font-size: 11pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Premium discounts.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%;"><span style="font-family: Arial; font-size: 11pt; line-height: 150%; mso-bidi-font-size: 10.0pt;">Horizon Income provides all of these important coverages and more in our specialized Motorcycle insurance program. Horizon has been in the specialty insurance business for many years and we understand that you want to protect your investment. <o:p></o:p></span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoBodyText">For more information about a specialized Motorcycle insurance policy from Horizon, you can call 1-866-479-2777 to locate an agent near you. Or visit <a href="http://horizonincome.com/motorcycles.html">http://horizonincome.com/motorcycles.html</a> and see what Horizon can offer through the Motorcycle program or any of our other specialized programs for off-road vehicles, mobile homes, motor homes, travel trailers, personal watercraft and boats!</div><div class="MsoBodyText"><br />
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<a href="http://horizonincome.com/motorcycles.html">http://horizonincome.com/motorcycles.html</a></div><div class="MsoBodyText"><br />
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</div>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-39356431722316450712011-07-15T16:02:00.000-07:002011-07-15T16:02:40.779-07:00Preventing Boat Theft<h1><span class="Apple-style-span" style="font-family: Arial;"><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQ0SxYNkNj1ngvB4447_0OpSwTXQcI_Q_iWSvGIKPSICUFLOqu-gVruDfPNQ3hTjgrnkTL-462rID7FuU3PX-JvZTIKToIJyTDbnZ3kf94QVyujg5DtHlDr6tGG_CFCNf1hLz0IHuKCDiV/s1600/dingys.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="117" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQ0SxYNkNj1ngvB4447_0OpSwTXQcI_Q_iWSvGIKPSICUFLOqu-gVruDfPNQ3hTjgrnkTL-462rID7FuU3PX-JvZTIKToIJyTDbnZ3kf94QVyujg5DtHlDr6tGG_CFCNf1hLz0IHuKCDiV/s200/dingys.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Protect your boat from theft.</td></tr>
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</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;"> Boats are easy targets for thieves.<span style="mso-spacerun: yes;"> </span>Boat theft costs the insurance industry and customers about $40 million per year. Boats frequently sit in your driveway, at a marina or in a yard unattended and are attractive to professional thieves or people just walking, driving or even boating along.<span style="mso-spacerun: yes;"> </span>Thieves that target boats often come by water.<span style="mso-spacerun: yes;"> </span>Every year there are thefts of small outboards from marinas with good security. <o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">Often the damage done by thieves trying to get into a boat exceeds the value of items stolen.<span style="mso-spacerun: yes;"> </span>Most thefts involve items that can be easily disposed of for money, like stereos, CD players, televisions, tools, dinghies and small outboards.<span style="mso-spacerun: yes;"> </span>Thieves rarely steal the marine electronics because they are harder to resell and generally require another matched component to operate.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">So, what can you do to prevent theft of your boat or equipment?<span style="mso-spacerun: yes;"> </span>One thing to keep in mind is that most thefts occur when you are away from your vessel—at night, during the week, particularly after a long holiday weekend or during the off-season.<span style="mso-spacerun: yes;"> </span>These are the times when you should be more vigilant. <o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">The boating world is a lot like a small rural town where most people leave their doors unlocked.<span style="mso-spacerun: yes;"> </span>Most boats are equipped with minimal locks that are easily broken, opened, or bypassed.<span style="mso-spacerun: yes;"> </span>The first mistake boat theft victims make is to refuse to believe that it has happened to them.<span style="mso-spacerun: yes;"> </span>When a boat is stolen, owners often assume it must have been moved by marina personnel or borrowed by a friend, wasting valuable time.<span style="mso-spacerun: yes;"> </span>Time is of the essence when a boat is stolen.<span style="mso-spacerun: yes;"> </span>Law enforcement authorities should be notified immediately.<span style="mso-spacerun: yes;"> </span>The longer a theft goes unreported, the more difficult it becomes to recover the boat. <o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">Trailerable boats are easy marks for theft.<span style="mso-spacerun: yes;"> </span>Many owners do little to lock their trailers.<span style="mso-spacerun: yes;"> </span>Anyone with a trailer hitch can easily steal the boat and be gone in seconds.<span style="mso-spacerun: yes;"> </span>Trailers should be locked to either your vehicle or a permanent object such as a tree or pole.<o:p></o:p></span></div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">The more precautions you take to prevent theft, the better.<span style="mso-spacerun: yes;"> </span>Make these simple steps part of your routine.<o:p></o:p></span></div><div class="MsoNormal"><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-TvxYsVsaB_II4zYPy3xFybVj3myXRnSTefIAbG7TbqQjNKMpZy8DgTugo22GIKFgJxgDPtP-MvtBS3hMeByIdICEathcNWhY5vRa1PqHUGt8FEURWHkds4qMlbGL4PHKnkBIHOvtR1vH/s1600/boat+show.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-TvxYsVsaB_II4zYPy3xFybVj3myXRnSTefIAbG7TbqQjNKMpZy8DgTugo22GIKFgJxgDPtP-MvtBS3hMeByIdICEathcNWhY5vRa1PqHUGt8FEURWHkds4qMlbGL4PHKnkBIHOvtR1vH/s200/boat+show.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Remove easily transportable items.</td></tr>
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<span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;"> Locks work.<span style="mso-spacerun: yes;"> </span>Thieves are quick operators.<span style="mso-spacerun: yes;"> </span>The more time and trouble it takes a thief, the more likely they will be discovered or move to another vessel.<span style="mso-spacerun: yes;"> </span>Lock your outboard, sterndrive, trailer, and hatches.<span style="mso-spacerun: yes;"> </span>There are special lock nuts for outboards and sterndrives to prevent their theft.<span style="mso-spacerun: yes;"> </span>Replace all the locks that come with the boat with security-type locks. Remove easily transportable electronics from your boat when you are going to be away for some time. Alarm systems rarely work well on boats because of their propensity for false alarms and the remote locations of marinas.<span style="mso-spacerun: yes;"> </span>People often ignore an audible alarm.<span style="mso-spacerun: yes;"> </span>Alarms must alert the marina, an alarm service or you to be effective.<o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">Never leave the original registration on your boat.<span style="mso-spacerun: yes;"> </span>Make this part of the equipment you bring to the boat each time you plan to take it out on the water. <o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">Engrave stereos and electronics with your driver’s license number.<span style="mso-spacerun: yes;"> </span>This makes them harder to resell and easier to trace. You can prevent personal belongings from “walking off” your vessel by putting your name or the name of your boat on cushions, fishing gear and other loose items in permanent marker. Do not leave your valuables in plain sight.<o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">Keep photographs and videotape of your boat in a safe place at home.<span style="mso-spacerun: yes;"> </span>Photos can be particularly helpful in the recovery of a boat. Include with your home records a list of everything normally kept on the vessel including serial numbers, photos, manufacturers, and the boat’s HIN.<span style="mso-spacerun: yes;"> </span>All of this will make it easier if you need to file a claim and can help you recover your boat and/or belongings in the event of a theft.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">Do not leave a key aboard.<span style="mso-spacerun: yes;"> </span>Thieves know all the hiding places.<span style="mso-spacerun: yes;"> </span>If you must, leave keys with the marina. When you are out boating for the day and are going to be away from your boat, take the ignition key with you.<o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">Anything you do to make your boat less attractive to thieves will decrease your chances of becoming a victim.<span style="mso-spacerun: yes;"> </span>But, in the event you are a robbed, there are several steps you should take:<o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">1. <span style="mso-tab-count: 1;"> </span>Contact the law enforcement authorities immediately.<span style="mso-spacerun: yes;"> </span>Provide as much detail as possible about your boat and trailer, including the HIN & VIN, registration numbers, engine and outdrive serial numbers.<span style="mso-spacerun: yes;"> </span>It’s a good idea to keep all of these numbers at hand, preferably in your wallet.<span style="mso-spacerun: yes;"> </span>If you do not have these numbers with you, get them to the authorities as soon as possible.<span style="mso-spacerun: yes;"> </span>The first 24 hours are the most critical for recovery.<span style="mso-spacerun: yes;"> </span>Delay is your enemy.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">2. <span style="mso-tab-count: 1;"> </span>Be persistent with law enforcement.<span style="mso-spacerun: yes;"> </span>Make sure that all your information is entered in the NCIC (National Crime Information Center) system as soon as possible.<o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">3. <span style="mso-tab-count: 1;"> </span>It is important that you become involved in the effort to recover your boat.<span style="mso-spacerun: yes;"> </span>Contact marinas, gas docks, restaurants, etc. where your boat may put in.<span style="mso-spacerun: yes;"> </span>If possible fax or e-mail them a photo, preferably within 24 hours.<o:p></o:p></span></div><div class="MsoNormal"><br />
For more information visit <a href="http://horizonincome.com/boat+insurance.html">http://horizonincome.com/boat+insurance.html</a></div><div class="MsoNormal"><br />
</div>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-15084955887209172642011-07-13T15:31:00.000-07:002011-07-13T15:31:42.794-07:00This September: A Time to Remember. A Time to Prepare.<b><span style="font-size: small;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdJwv-TMRttdJXmgvoIIZizF-SCusy6qkFy64ug3Oh46pNm-TFoSO3GyRi6vBQ_4C42EV2Zlxotb8pMjvdqbJ9bwYn8qj0zz0DuUixsrW6-N7MAU-7sslDRnvPpmLK4uLfVIZ2HykUMnvR/s1600/logo-readyamerica.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdJwv-TMRttdJXmgvoIIZizF-SCusy6qkFy64ug3Oh46pNm-TFoSO3GyRi6vBQ_4C42EV2Zlxotb8pMjvdqbJ9bwYn8qj0zz0DuUixsrW6-N7MAU-7sslDRnvPpmLK4uLfVIZ2HykUMnvR/s1600/logo-readyamerica.gif" /></a></div><div class="separator" style="clear: both; text-align: center;"><br />
</div><div class="separator" style="clear: both; text-align: center;">This year Horizon Income is joining Ready America to help spread the word on emergency preparedness. Go to Ready.gov to sign up, and participate in events to help prepare your family and community in the event of an emergency.</div><div align="CENTER"><br />
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<div align="CENTER">By Darryl J. Madden, Director, </div></span><div align="CENTER"><i><span style="font-family: Times New Roman,Times New Roman; font-size: small;"><span style="font-family: Times New Roman,Times New Roman; font-size: small;">Ready </span></span></i><span style="font-family: Times New Roman,Times New Roman; font-size: small;"><span style="font-family: Times New Roman,Times New Roman; font-size: small;"></span></span><span style="font-size: small;">Campaign </span></div><span style="font-size: small;"> </span></b><span style="font-size: small;"></span><span style="font-family: Times New Roman,Times New Roman; font-size: small;"><span style="font-family: Times New Roman,Times New Roman; font-size: small;"></span></span><br />
<span style="font-family: Times New Roman,Times New Roman; font-size: small;"><span style="font-family: Times New Roman,Times New Roman; font-size: small;">This September will mark the ten year anniversary of 9/11 and we ask you to take time to remember those lost as well as time to make sure you are prepared for future emergencies. September is National Preparedness Month (NPM), which was founded after 9/11 to increase preparedness in the U.S. It is a time to prepare yourself and those in your care for an unexpected emergency. <br />
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If you’ve seen the news recently, you know that emergencies can happen unexpectedly in communities just like yours, to people like you. We’ve seen tornado outbreaks, river floods and flash floods, historic earthquakes, tsunamis, and even water main breaks and power outages in U.S. cities affecting millions of people for days at a time. <br />
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This September, please prepare and plan in the event you must go for three days without electricity, water service, access to a supermarket, or local services for several days. Just follow these three steps: <br />
<dir> <div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8ZTiVeFvHw1zVUo4rhfpwHDMACvTZU_pXcFlHXs5OSECCkEdp5lBPjAATKBXe-qu5_phswwhUA59Sst2ebTr9RsUtYCQoDhMHQdwQF-DzSbuDBEmZZz7pwxfqEa3RBc5AkiWXPYTyQlrD/s1600/npm_a_2011.gif" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8ZTiVeFvHw1zVUo4rhfpwHDMACvTZU_pXcFlHXs5OSECCkEdp5lBPjAATKBXe-qu5_phswwhUA59Sst2ebTr9RsUtYCQoDhMHQdwQF-DzSbuDBEmZZz7pwxfqEa3RBc5AkiWXPYTyQlrD/s1600/npm_a_2011.gif" /></a></div><dir> </dir></dir></span><dir><dir></dir></dir></span><dir><dir><b><span style="font-size: small;"><br />
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1. Get a Kit: </span></b><span style="font-size: small;"></span><span style="font-family: Times New Roman,Times New Roman; font-size: small;"><span style="font-family: Times New Roman,Times New Roman; font-size: small;">Keep enough emergency supplies on hand for you and those in your care – water, non-perishable food, first aid, prescriptions, flashlight, battery-powered radio – for a checklist of supplies visit Ready.gov. </span></span><br />
<span style="font-family: Times New Roman,Times New Roman; font-size: small;"><span style="font-family: Times New Roman,Times New Roman; font-size: small;"> </span></span><b><span style="font-size: small;">2. Make a Plan: </span></b><span style="font-size: small;"></span><span style="font-family: Times New Roman,Times New Roman; font-size: small;"><span style="font-family: Times New Roman,Times New Roman; font-size: small;">Discuss, agree on, and document an emergency plan with those in your care. For sample plans, see Ready.gov. Work together with neighbors, colleagues and others to build community resilience. </span></span><br />
<span style="font-family: Times New Roman,Times New Roman; font-size: small;"><span style="font-family: Times New Roman,Times New Roman; font-size: small;"> </span></span><b><span style="font-size: small;">3. Be Informed: </span></b><span style="font-size: small;"></span><span style="font-family: Times New Roman,Times New Roman; font-size: small;"><span style="font-family: Times New Roman,Times New Roman; font-size: small;">Free information is available to assist you from federal, state, local, tribal, and territorial resources. You can find preparedness information by: </span></span><br />
<span style="font-family: Times New Roman,Times New Roman; font-size: small;"><span style="font-family: Times New Roman,Times New Roman; font-size: small;"><dir> Accessing Ready.gov to learn what to do before, during, and after an emergency <br />
Contacting your local emergency management agency to get essential information on specific hazards to your area, local plans for shelter and evacuation, ways to get information before and during an emergency, and how to sign up for emergency alerts if they are available <br />
Contacting your local firehouse and asking for a tour and information about preparedness <br />
</dir> </span></span></dir><span style="font-family: Times New Roman,Times New Roman; font-size: small;"><span style="font-family: Times New Roman,Times New Roman; font-size: small;"> </span></span></dir><span style="font-family: Times New Roman,Times New Roman; font-size: small;"><span style="font-family: Times New Roman,Times New Roman; font-size: small;"> </span></span><br />
<span style="font-family: Times New Roman,Times New Roman; font-size: small;"><span style="font-family: Times New Roman,Times New Roman; font-size: small;">Police, fire and rescue may not always be able to reach you quickly, such as if trees and power lines are down or if they're overwhelmed by demand from an emergency. The most important step you can take in helping your local responders is being able to take care of yourself and those in your care; the more people who are prepared, the quicker the community will recover. <br />
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As FEMA Administrator Craig Fugate reminds us, "Individuals and families are the most important members of the nation's emergency management team. Being prepared can save precious time if there is a need to respond to an emergency." For more information on NPM and for help getting prepared, visit Ready.gov or call 1-800-BE-READY, 1-888-SE-LISTO, and TTY 1-800-462-7585 for free information. <br />
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This September: A Time to Remember. A Time to Prepare.<br />
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To make sure your property and loved ones are covered in the event of an emergency, please visit <a href="http://www.horizonincome.com/">www.HorizonIncome.com</a><br />
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</span></span>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-61399374369973918762011-07-12T16:27:00.000-07:002011-07-12T16:27:42.247-07:00Get out and use your Personal Watercraft!<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfFoUS4qodGr7VrvRTmOYEHOFGk_PzOzScdni1r97PvjbrteBSvicW0VvaNB5WH4g8NSoVH_M8VUg4RODTkpeu_YZJiGYBF8UjkmoW9Wuyf_zXfs8kfF-wUcta6224Ur-yyCJc1k634yHo/s1600/jey+ski+family.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfFoUS4qodGr7VrvRTmOYEHOFGk_PzOzScdni1r97PvjbrteBSvicW0VvaNB5WH4g8NSoVH_M8VUg4RODTkpeu_YZJiGYBF8UjkmoW9Wuyf_zXfs8kfF-wUcta6224Ur-yyCJc1k634yHo/s200/jey+ski+family.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Family enjoying a ride.</td></tr>
</tbody></table><br />
<div class="MsoNormal" style="mso-outline-level: 1;"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">Have fun, but put safety first<i>! </i></span></b></div><div class="MsoNormal"><br />
</div><div class="MsoNormal" style="mso-outline-level: 1;"><span style="font-family: Arial; mso-bidi-font-family: Arial;">Personal watercraft have become more and more popular on the waterways. And no wonder. With the adrenaline rush of instant acceleration, skimming over the water and waves at brisk speeds, coupled with the ability to turn like any other watercraft, personal watercraft can be a blast. There are stand-up and sit-down models with various engine sizes ranging from 550 c.c. to </span><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">Personal watercraft:<o:p></o:p></span></b></div><div class="MsoBodyText"><span style="font-family: Arial; mso-bidi-font-family: Arial;">1494 c.c., which can generate speeds up to 70 m.p.h.<o:p></o:p></span></div><div class="MsoBodyText"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">While riding a personal watercraft is an exhilarating experience, the operator and passenger have to have fun safely.<span style="mso-spacerun: yes;"> </span>Personal watercraft are involved in a lot of accidents because of their speed. It’s no surprise that in the event of the accident, injuries can be catastrophic because you’re completely exposed. There’s no cabin to protect you. <o:p></o:p></span></div><div class="MsoNormal"><br />
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5a5lq6Bh59YVnzPbx37xXbmLKRXHhJEKbF5MuazcA91WmOgYlCT9QgFbuhMq1O_sb4fNzIsJybAYN6IrsoGE0R8LmD_7DnTg-BiLuDBc66875XTPH-qZRzUmqLh-BcdpPg1IlsjOx7pJV/s1600/jet+ski+2.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="149" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5a5lq6Bh59YVnzPbx37xXbmLKRXHhJEKbF5MuazcA91WmOgYlCT9QgFbuhMq1O_sb4fNzIsJybAYN6IrsoGE0R8LmD_7DnTg-BiLuDBc66875XTPH-qZRzUmqLh-BcdpPg1IlsjOx7pJV/s200/jet+ski+2.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Wear proper gear.</td></tr>
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</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;"><strong>So before you power up, consider these DO’S and DON'TS:<o:p></o:p></strong></span></div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">• Before you buy, remember that there is a learning curve. Start with a lower powered personal watercraft and progress to the more powerful models as your ability and experience increases.<o:p></o:p></span></div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">• Ask your personal watercraft retailer to provide you with an instructional how-to video.<o:p></o:p></span></div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">• Learn safe operation from an experienced and safe operator.<o:p></o:p></span></div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">• Give the personal watercraft some throttle and lean in the direction of your turns, otherwise it is very likely you will lose control and fall.<o:p></o:p></span></div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">• Don’t jump wakes, you may jeopardize yourself and other boaters.<o:p></o:p></span></div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">• Wear personal flotation devices, and provide them for passengers.<o:p></o:p></span></div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">• Do give right of way to sailboats, commercial and fishing vessels.<o:p></o:p></span></div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">• Give wide berth, stay aware of other watercraft, be courteous, and above all, be safe.<o:p></o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;">To learn more about personal watercraft safety, contact the U.S.Coast Guard, local marine patrol, state boating authorities, U.S. Power Squadron, or the American Red Cross. You may get additional information by calling the Personal Watercraft Industry Association at 1-407-629-4941.</span><br />
<span style="color: black; font-family: Arial; font-size: 11pt; mso-bidi-font-family: Arial; mso-bidi-font-size: 12.0pt;"><o:p>For more information on your watercraft checkout <a href="http://horizonincome.com/boat+insurance.html">http://horizonincome.com/boat+insurance.html</a></o:p></span></div>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0tag:blogger.com,1999:blog-1136991210809808524.post-7123941041592190062011-07-11T13:50:00.000-07:002011-07-13T10:00:18.982-07:00Theft Prevention Tips for Homeowners<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiaLgwkqC7tgorQbmCgr99kouckR3Mool8sx_xFb1YQhlDrxnTxWQm7tkgFZHwtjYw27IRBhUzVG_YBnKHIBBjciADZSAeHSMT-09v_A6Vi3rA-T-8A0K9bFlV6c3Q5h_QR850fNucfzeR3/s1600/forced+entry.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiaLgwkqC7tgorQbmCgr99kouckR3Mool8sx_xFb1YQhlDrxnTxWQm7tkgFZHwtjYw27IRBhUzVG_YBnKHIBBjciADZSAeHSMT-09v_A6Vi3rA-T-8A0K9bFlV6c3Q5h_QR850fNucfzeR3/s200/forced+entry.jpg" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Protect your home this summer.</td></tr>
</tbody></table><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody>
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<tr><td class="tr-caption" style="text-align: center;"></td></tr>
</tbody></table><b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: x-large;"><div align="LEFT"><span style="color: #3d85c6;">Ways to secure your home before you leave</span></div><span style="color: #3d85c6;"> for vacation</span><br />
</span></span></span></b><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-size: small;">By using these theft-prevention tips to protect your home and possessions, you and your family will have extra </span><span style="font-size: small;">peace of mind, whether you’re away for a day or on vacation.</span></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"> </span></span><b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #3d85c6;"></span></span></span></span></b><br />
<b><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #8c0f04; font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #3d85c6;">Make your home looked “lived in” even when you’re not there</span></span></span></span></b><br />
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<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Have a trusted neighbor pick up your mail and newspapers.</span></span><br />
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<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Arrange for someone to mow your lawn or shovel snow.</span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><br />
<div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Ask a neighbor to park a car in your driveway while you’re gone.</span></span><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span></div><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<span style="font-family: SymbolMT;"><div align="LEFT"></div></span><br />
<div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Use timed switches on your lights, TV and stereo. Look for timers that turn on and off randomly.</span></span><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span></div><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<span style="font-family: SymbolMT;"><div align="LEFT"></div></span><br />
<div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Never advertise your absence by taping a note to your door or announcing it on your answering</span></span></div><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"><div align="LEFT">machine/voice mail.</div></span><div align="LEFT"></div></span><br />
<div align="LEFT"></div><div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Turn your telephone ringer down or off. This way a burglar is less likely to hear the ringing of</span></span></div><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"><div align="LEFT">unanswered calls and realize no one is home.</div></span><div align="LEFT"></div></span><br />
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</div><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">You can add to the security of your lighting system and cut your electric bill by installing a motion</span></span></div><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-size: small;"> </span></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><div align="LEFT"><span style="font-size: small;">detector on outside lights. This will activate your lights when anyone comes within range of the unit’s</span></div><span style="font-size: small;"> </span><br />
<div align="LEFT"><span style="font-size: small;">motion sensor.</span></div><div align="LEFT"><br />
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</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOsfjFnPyMB6qmm2pVWh2ZdN4zR7ISDYs7q0ZvO-s6DPmQ5k5eyuIC2-Ym0eIG0B-9AxBH2yM7jbXE1pqX98WaP-2Exu2hMzmco-FLCzmZu2dLFnuUgse9_dCdlG2p4SFwuLzco3excYKi/s1600/get+in.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOsfjFnPyMB6qmm2pVWh2ZdN4zR7ISDYs7q0ZvO-s6DPmQ5k5eyuIC2-Ym0eIG0B-9AxBH2yM7jbXE1pqX98WaP-2Exu2hMzmco-FLCzmZu2dLFnuUgse9_dCdlG2p4SFwuLzco3excYKi/s200/get+in.jpg" width="200" /></a></div><br />
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</span></span><b><span style="font-family: Futura-CondensedBold; font-size: medium;"><span style="font-family: Futura-CondensedBold; font-size: medium;"><span style="color: #3d85c6; font-family: Futura-CondensedBold; font-size: medium;">Follow these tips from law enforcement officials</span></span></span></b><span style="font-family: SymbolMT; font-size: x-small;"><span style="font-family: SymbolMT; font-size: x-small;"></span></span><br />
<span style="font-family: SymbolMT; font-size: x-small;"><span style="font-family: SymbolMT; font-size: x-small;"></span></span><br />
<span style="font-family: SymbolMT; font-size: x-small;"><div align="LEFT"></div></span><br />
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</div><div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Join a Neighborhood Watch group. Most police departments have officers who will help you start a</span></span></div><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"><div align="LEFT">program. Neighbors can help watch your home when you’re gone.</div></span><div align="LEFT"></div></span><br />
<div align="LEFT"></div><div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Keep valuable items in your safe deposit box, such as stocks and bonds, duplicate copies of your will,</span></span></div><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"><div align="LEFT">stamp and coin collections and jewelry you don’t frequently wear.</div></span><div align="LEFT"></div></span><br />
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</div><span style="font-family: SymbolMT;"><span style="font-family: SymbolMT;"></span></span><br />
<div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Give parking lot attendants and mechanics your ignition key only, </span></span><i><span style="font-family: Futura-CondensedOblique;"><span style="font-family: Futura-CondensedOblique;">not </span></span></i><span style="font-family: Futura-CondensedOblique;"><span style="font-family: Futura-CondensedOblique;"></span></span><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">your house key. Don’t carry</span></span></div><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"><div align="LEFT">an identification tag on your key ring. This could help a would-be thief easily identify your home</div><br />
<div align="LEFT">and vehicle.</div></span><div align="LEFT"></div></span><br />
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</div><span style="font-family: SymbolMT; font-size: x-small;"><span style="font-family: SymbolMT; font-size: x-small;"></span></span><br />
<div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Consider installing an alarm system for an extra level of protection. You have a variety of choices –</span></span></div><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"> </span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span><br />
<span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"><div align="LEFT">from do-it-yourself kits that trigger a siren or lights to professionally installed systems connected to a</div><br />
<div align="LEFT">police station or monitoring service. </div><div align="LEFT"><br />
</div><div align="LEFT"><br />
</div><div align="LEFT">Post signs in your windows showing you have a security system.</div></span><div align="LEFT"></div></span><br />
<div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;"></span></span></div><div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed;">Lock your doors and windows when you leave, whether you’ll be gone a few minutes or a few days.</span></span></div><br />
<span style="font-size: x-small;"></span><br />
<span style="font-size: x-small;"><div align="LEFT"><span style="font-family: Futura-Condensed;"><span style="font-family: Futura-Condensed; font-size: small;">Avoid leaving an extra “hidden” key outside your home, such as under the doormat or in</span></span></div><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-size: small;">a mailbox or planter. </span><br />
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<span style="font-size: small;">To make sure you always get in, leave a duplicate set of house keys with</span><br />
<span style="font-size: small;"> </span><br />
<div align="LEFT"><span style="font-size: small;">a trusted friend or neighbor.</span><br />
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<span style="font-size: small;">For more information go to <a href="http://horizonincome.com/homeowners.html">http://horizonincome.com/homeowners.html</a></span></div></span></span></span><br />
<span style="font-family: Futura-Condensed; font-size: x-small;"><span style="font-family: Futura-Condensed; font-size: x-small;"></span></span>Horizon Incomehttp://www.blogger.com/profile/09106961110056379382noreply@blogger.com0